Just one day before giving birth, my husband used the $23,000 I’d saved for delivery to pay off his sister’s debt. “She’ll die without it—just take something to delay the birth,” he said, then walked out while I went into labor. With my last strength, I called my mother. He had no idea that call would send his life into a downward spiral.

terrifying risk of catastrophic hemorrhaging during delivery. My local OB-GYN had looked at me with grim, serious eyes and told me I could not deliver at our standard community hospital. I needed a highly specialized, out-of-network cardiothoracic surgical team present during a scheduled C-section to ensure I didn’t bleed to death on the table.