A surprise BOGO crab haul sets the table for one of our most honest money conversations yet. We go from twenty shells and a freezer full of claws to the quiet math of family finances—how a house down payment empties savings, how “you got it” becomes a habit, and why clear rules save relationships. Then we hit the spark: a mom uses life insurance to wipe out roughly $60K of her daughter’s student loans after pushing her into college too soon. The son, debt-free but degree-free, wants a matching payout. Fairness or favoritism?