What Exactly Do I Owe You‪?‬

Apparently, being the dependable one means everyone else gets to make plans.

Scarlett Ryan is thirty-four, a successful civil engineer, and perfectly capable of managing complicated infrastructure projects.

Unfortunately, her family seems to think that makes her qualified to manage their lives, too.

Her divorced sister, Melissa, considers Scarlett her unofficial emergency babysitter. Her mother believes that being an engineer means Scarlett should know how to repair everything from dripping faucets to malfunctioning dishwashers.

And Scarlett?

She’s apparently supposed to be available whenever someone needs her.

But when Melissa expects Scarlett to cancel a long-awaited first date because her babysitter fell through, Scarlett does something completely unexpected.

She says no.

The reaction is immediate.

Her sister calls her selfish. Her mother gets involved. And Scarlett discovers that setting boundaries with people who have never encountered them before is considerably more complicated than designing a drainage system.

Now, between family group chats, household repair emergencies, competitive pickleball matches, and a promising romance with the handsome engineer she’s been interested in for nearly a year, Scarlett is learning that loving her family doesn’t mean being permanently on call.

The real question isn’t whether she loves them.

It’s how much of her own life she’s expected to give up to prove it.

What Exactly Do I Owe You? is a witty, heartwarming contemporary women’s fiction novel about family expectations, personal boundaries, sisterhood, and discovering that saying no doesn’t make you selfish.

Book Three in Cordelia Finch’s Ethical Quandary series. Each book features a standalone story with a different protagonist.