That afternoon, Olivia toured several houses before settling on a spacious, beautifully renovated home.

The total price was 180 thousand dollars. With her brother and cousins chipping in 80 thousand dollars, and her own 40 thousand dollars, she had 120 thousand dollars to put down.

She'd still need a 60 thousand dollars mortgage, though, which meant monthly payments in the thousands.

From now on, she'd have to grind even harder to make it all ...