I remember getting my first paycheck and calling my mom, like, “I have a thousand dollars!” I started saving money. And then I slowly began opening envelopes — the ones I pretended didn’t exist. I started paying everything back: my student loans, the ticket I got the one time I jumped a subway turnstile, my credit cards, library fines and the doctor bill. I kept up with all the payments, and I’m still working on it. But it’s no longer this scary thing.