At 2:07 a.m., my phone lit up with a message from my husband Ethan: “I ran away with your best friend. We’re never coming back.” Attached was a photo of him and Rachel on a Cancun beach, raising champagne glasses. She wore the sapphire necklace I had given her.

Shock quickly turned to action. As a senior accountant, I immediately canceled every card, changed passwords, and called a locksmith. I discovered thousands in charges for a private yacht, luxury dinners, and spa treatments — all on cards linked to my accounts. Rachel still had an emergency card I had given her years earlier.