I’ve always been a “fixer.” When my boyfriend, Leo, spent months venting about his family’s financial struggles—how his parents hadn’t seen the ocean in a decade and how his sister, Sylvie, was burnt out—I wanted to help.

My mom is the General Manager at a luxury all-inclusive resort in the Keys. Using her “family and friends” discount, I managed to book two oceanfront suites for a full week. It was a massive gift, worth thousands, but I wanted to be the hero. I wanted them to feel pampered.