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To Have and to Heist

Author Sara Desai
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Paperback
$17.00 US
5.14"W x 7.93"H x 0.83"D   | 10 oz | 24 per carton
On sale Jul 18, 2023 | 416 Pages | 9780593548509
To exonerate her best friend, one woman must mastermind a jewelry heist during the wedding of the season in this hilarious romantic-comedy caper from the author of The Dating Plan

Simi Chopra is on a bad-luck streak. She’s lost yet another job, her student loan debt won’t stop growing, her basement apartment is a certifiable flood zone, and now her best friend has been accused of stealing a multimillion-dollar diamond necklace. To put it lightly, she’s desperate for a break—that’s right when Jack waltzes out of the bushes and into her life.

Jack is just as charming as he is mysterious. When he offers to help her find the missing necklace and steal it back, Simi jumps at the chance to clear her friend’s name and collect the substantial reward. But every good heist needs a crew. All she needs to do is transform a ragtag group of strangers into an elite heist crew, infiltrate a high-society wedding and steal the necklace from a dangerous criminal before the happy couple say "I do." Meanwhile the bride is keeping secrets, a detective with a slow-burn smile keeps showing up at her door, and the ultimate robbery might not be the wedding con, but the way Jack is stealing her heart.
"Desai is masterful at character banter and will have readers laughing out loud."—Sharon C. Cooper, USA Today bestselling author of In It to Win It

"Dripping with banter, this action-packed and hilarious romp will keep you at the edge of your seat. Simi and Jack’s sizzling chemistry leaps off the page, and their hard won HEA feels so satisfying. But what really shines is the amazing, talented ensemble of misfits working together to pull off a daring jewel heist while simultaneously planning a wedding. You don’t want to miss this brilliantly crafted heist story!"—Farah Heron, author of Jana Goes Wild and Accidentally Engaged

“A wickedly fun and wildly engaging romp, led by a strong female protagonist whom readers can't help but root for through all her schemes and hijinks.”—Kyla Zhao, author of The Fraud Squad

"A jewel heist, an engaging heroine, a wedding, the pitch-perfect banter, and a mysterious guy - To Have and to Heist has it all! Grab this engaging and funny mix of a caper and a romance and get ready to be charmed."—HelenKay Dimon, author of Moorewood Family Rules

"The next time someone asks for a rip-roaring action rom-com, I'm pointing (read: shoving) them to Sara Desai's To Have and to Heist. Desai strikes the perfect balance of high-stakes plot and relatable main characters. The zany and irreverent crew are peak millennial chaos and I am so here for it! The crew's skillsets are particularly interesting, especially our action man's endearing love of horticulture. From the very first page I was swept away faster than a getaway driver. With breakneck pacing, antics that don't let up, and a spunky heroine that just won't quit, Desai's To Have and to Heist will easily steal away your afternoon."—Lillie Vale, author of The Decoy Girlfriend and The Shaadi Set-Up

“Sara Desai’s voice pulls you in from the first page in this fun caper with sizzling chemistry.”—Namrata Patel, author of The Candid Life of Meena Dave

“Romantic comedy meets ‘Ocean’s Eleven’”—USA Today

To Have and to Heist is what happens when you take Oceans Eleven-style capers, turn the sexiness up to eleven and slather it in some good ol' fashioned Desi family drama.”—Good Housekeeping

"An action-packed heist story that delivers a fun hit of romance."—Women's World

“Come for the crime; stay for the sizzling chemistry.”—Parade

“To Have and To Heist by Sara Desai is a wonderfully fun and thrilling read. If you are looking for a beach read, this is absolutely perfect.”—Cultress

“Lots of secrets and plot twists will keep readers turning the pages. Don’t miss this one!”—Fresh Fiction

“Fans of How to Lose a Guy in 10 Days will enjoy this South-Asian romantic comedy about a bet between two enemies with lots of chemistry. Indian culture plays a key role in the story, from the mentions of dishes to apparel. Between these cultural glimpses and the sparks between the couple, everything about this book is vibrant.”—The Daily Star

"Desai...fills the pages with wry observations...and allows her heroine some steamy romance with a thief who's "gorgeous but in a devilish way." You can practically start casting the movie already."—Seattle Times

"Sara Desai's To Have and to Heist is the perfect hilarious and action-packed rom-com for fans of Ocean's Eleven...Fast-paced, fun, and full of all the making of a great beach read, this book will steal your heart!"—She Does the City

“This caper is perfect for those who love rom-cozies — books that blend cozy mystery and romcom tropes.”—BookRiot

“Desai perfectly balances the lighthearted romance with a fun and twisty heist plot enacted by a kooky cast of indebted millennials. Romance lovers will devour this un-put-downable treat, and even readers generally wary of the genre will be swept away.”—Publishers Weekly (starred review)

“This unputdownable novel will fly off shelves, and readers will clamor for Desai’s backlist.”Library Journal (starred review)
© Linda Mackie Photography
Sara Desai has been a lawyer, radio DJ, marathon runner, historian, bouncer, and librarian. She lives on Vancouver Island with her husband, kids, and an assortment of forest creatures who think they are pets. Sara writes sexy romantic comedy and contemporary romance with a multicultural twist. When not laughing at her own jokes, Sara can be found eating nachos. View titles by Sara Desai
One

There are people who need people, and then there are introverts.

You don't get to choose that particular personality trait when you're born. You're either the kid who spends recess running around the playground looking for friends, or you're the little angel who sits quietly in the reading corner with a book, lost in another world.

I'm definitely one of the people who need people. Leave me alone for more than a few hours and I'll be speed-dialing my way through my contact list or skulking around the local coffee shop looking for familiar faces. I'm the person who will ask if the chair is free at your table if you look like you need a friend, or chat with you in the grocery line and tell you that you're lucky you've picked this till because Charlotte scans things so fast, a few items always get missed and you might go home with a free can of beans.

I've always admired people who are content with their own company. My bestie Chloe can go an entire weekend without talking to another human being if her daughter is away at a sports game or sleeping over with friends. Actually, that's not entirely true. I don't think we've gone more than a few hours without communicating in some form ever since we met on the school playground in fourth grade. Even in the blackest moments of her favorite romance books, when all is lost and it seems like the couple will never find their happily-ever-after, Chloe will always be there for me.

I don't know what I would have done if she hadn't answered my call the day I, Simi Chopra, almost killed a man.

"Oh my God! Chloe!" I held a mirror over the mouth of the naked octogenarian on the floor to see if he was breathing. People who need people are adept at multitasking, even if it involves getting emotional support from your bestie while trying to revive one of your landlady's many "gentleman callers." Not that I begrudged eighty-year-old Rose her extracurricular activities. She'd kindly rented me her basement suite at a reduced rent in exchange for helping with chores and keeping her company on her rare evenings in. Someone in the house had to be getting some good stuff, and it wasn't me.

"What's wrong?" Chloe's soothing voice crackled over my phone speaker. I was due for a phone upgrade, but between rent, loan payments, therapy, and living expenses, even my entry-level office salary plus a side gig in a candy store didn't pay enough to indulge.

"I think I killed someone."

Chloe didn't miss a beat. "I'll grab some bleach and be right over."

"You'll be late for work."

"It's an IT help desk, babe. We spend most of the day telling people to turn the computer off and on again. I can easily get someone to cover for me."

Chloe is my ride-or-die. No questions. No judgment. Everyone should have a friend whose first thought is to run for the bleach when you call to tell her you might have killed someone.

"Hurry. He's barely breathing." I cleaned the mirror and held it over his mouth again, making a mental note to thank my parents for sending me to a first aid course in twelfth grade. They thought they were paving my way to med school. Instead, the course just confirmed that no one should put their life in my hands.

"I'd better bring a tarp, too," Chloe said.

"There's no blood."

"You might still need the tarp in case he loses control of his bowels."

"Crap."

"Exactly. I've been reading a lot of romantic suspense books," she said. "I know everything about dead bodies."

"I don't think he's that dead." I held the dude's wrist in my hand. "I feel a pulse. I'm not sure if it's his or mine. My heart is pounding so hard, I can't tell."

"Is he only mostly dead? Like in The Princess Bride?"

Chloe loves romance. We watch The Princess Bride every year on her birthday and rom-coms when it's her turn to choose on movie nights. Honestly, all that mushy stuff is like nails on a chalkboard to me, but this is Chloe. In seventh grade, she took the fall when I brought a set of steak knives to school for my Edward Scissorhands Halloween costume, and in eleventh grade she sneaked me in the classroom window when I overslept and almost missed our final calculus exam. There isn't anything I wouldn't do for her.

"Is there a degree of deadness that involves breathing?" I asked.

"You were the one who was supposed to become a doctor."

I heard cupboards slam, keys rattle on the counter, the click of a lock. Chloe was on her way. She was nothing if not efficient.

"If I'd become a doctor, I wouldn't be living in a low-rent basement suite and drowning in debt." I pressed an ear to the dude's chest, listening for a heartbeat.

"You would have had even more debt," she said over the rapid thud of footsteps and the hum of traffic. A single mom working three jobs to make ends meet, Chloe couldn't afford a car, so she took public transport to get around.

"Yes, but I would also have had the kind of job that would enable me to pay it off before I hit middle age."

"Almost at the bus stop." Chloe huffed into the phone.

I gave myself a mental pat on the back for choosing to stay in our hometown of Evanston, Illinois, when I finally moved out of my parents' house. I had briefly considered finding a place in Downtown Chicago, but rents were high, and I spent most of my free time with Chloe and her daughter, Olivia, so putting almost fourteen miles between us didn't make sense.

"The paramedics are here," Rose called out from the hallway. She'd put on a robe after I called the ambulance, a small mercy for which I was undyingly grateful. I wasn't judging her. I just didn't need a visual of what the future held in store for me fifty years from now.

"Gotta go, babe," I said to Chloe. "Rose needs me. I'll see you soon."

A gorgeous blond paramedic with green eyes and a face so chiseled it could cut glass gestured me to the side while his two equally hot companions crouched down to check out the almost naked dude on the floor-I'd thrown a tea towel over his hips for the sake of modesty.

"What happened?" he asked.

"My basement suite flooded this morning." I smoothed down my hair, acutely conscious that I'd come upstairs with a bad case of bedhead and wearing only PJ shorts and a ratty Chicago Bears sweatshirt. "I woke up with my stuff floating past my bed, so I came upstairs to tell Rose. She gave me keys to her place when I moved in so I could check in on her from time to time."

He smiled, which I took as a good sign. Maybe he liked curvy South Asian girls with long, matted dark brown hair and a little extra lip fuzz because they hadn't had time for the morning groom. Or maybe he was just a Bears fan.

"Unfortunately, I walked in on her and her boyfriend doing it on the couch." The visual had been bad enough, but the cost of the extra therapy I'd need to undo the trauma of what I'd seen was beyond imagining.

"Doing what?" he asked.

"You know . . ."

Respect was the guiding principle of my family. Respect for parents. Respect for aunties. Respect for elders. With respect drilled into me from birth, I couldn't bring myself to use the S word when it came to describing the intimate relations of two seniors. But what word could I use? Why did the paramedic have to be so sexy? Did he wear contacts or were his eyes really that vivid green? Was that a medical device in his pocket? I quickly shut down the runaway train of random thought process that was the bane of my existence.

"Boning." The word dropped from my lips before I could catch it.

His finger froze on the tablet he was using to record my information. "Boning?"

"Okay. Fine. Sex," I said quickly. "They were having sex. On the couch. Naked. Curtain ties were involved. And a curtain rod. I also saw a can of whipped cream, which I should really put back in the fridge so it doesn't spoil." I leaned in close, lowered my voice to a conspiratorial whisper. "I didn't know that position was possible after the age of forty. The dude really knew his stuff. I guess that makes sense if you've been doing it for eighty-plus years minus maybe fifteen or so. Of course, I can only guess when he lost his virginity. I didn't have sex for the first time until I was twenty."

His eyes glazed over, a telltale sign that I'd overshared.

"Name?" he asked.

"Simi Chopra. Currently single."

"I meant his name."

I bit back a grimace. Why couldn't he have been plain or even average? I could never speak in coherent sentences when a dude was too good-looking. "To be honest, she has so many boyfriends, I can't keep track of their names. She usually goes for younger men-fifties to seventies and occasionally forties if they're having an early midlife crisis. She said the octo-and nonagenarians usually have performance issues-although from what I saw, this dude is an exception. I kinda liked the last guy she was seeing. He runs the Lincoln Park 10K Run for the Zoo every year. He's super fit and has a six-pack, although I did wonder if it might just be his ribs poking out because he only eats raw, especially grass. She liked his stamina, but she got annoyed at meal times because he kept running out to the backyard to graze."

"Would anyone like tea?" Rose had gone to change when the paramedics arrived and was now wearing a tropical print dress with a giant pink belt cinched around her waist and a pair of matching heels. Rose was in theater and still performed onstage. She loved loud colors and bold prints because they matched her personality.

"Maybe not the best time," I called out. "What's this one's name?"

"Stan," she said. "I don't know that much about him. I met him in a bar last week after a show and we've been hitting the mattress hard ever since. He's eighty-eight with the stamina of a man in his fifties. It was nice being with someone mature for a change."

The paramedic coughed, choked before asking, "How did he wind up on the floor?"

"I walked in and scared him," I said. "Rose was on the couch. Sort of. She saw me and screamed. Stan jumped off her. Well, it was sort of a slow push away followed by a concomitant drop elsewhere. Not that I was looking, but your eyes have to go somewhere, and mine went there, and then I immediately wished they could be somewhere else."

"I'm not here to judge," he said, shaking his head in a way that belied his words.

I could see my chances of getting laid in the back of his ambulance were quickly disappearing. "He lost his balance trying to get up," I continued. "Then he fell and hit his head on the coffee table. I called 911 and checked to make sure he was breathing with a makeup mirror." I hesitated, waiting for an acknowledgment of my skill. None was forthcoming.

A rush of air cooled my heated cheeks before I heard the back door slam.

"I'm here," Chloe called out. "I've got bleach and rubber gloves. The tarp's in the car. Where's the body? We could probably dump him in the river." She froze behind the island counter that separated the kitchen from the living room. "You're not alone."

"Hello, darling." Rose gave her a little wave. "I'm afraid I can't offer you any tea. We're on our way to the hospital."

"That's Chloe," I told the paramedic. "She came to help."

"Good thing we got here in time." He jotted something down on his tablet.

Alarmed, I tried to read his screen upside down. "What are you writing?"

"A note to myself never to be alone in a house with you and your friend." He tucked the tablet away, then held the door while the other paramedics carried Stan out on a gurney. Rose walked beside them, holding Stan's hand.

"Is that a joke?" I called out. "I hope it's a joke. Don't forget I saved him by making sure he was breathing. If it wasn't for me, he'd be mostly dead."

Chloe hefted her bag and a Costco-sized container of bleach onto the counter, then ran over to wrap me in her arms. "Are you okay? Should I call your therapist?"

"No." I shuddered against her. "If you just pour some of that bleach into my eyes, I'll be fine. The things I had to see . . ."

Everything about Chloe is soft and warm, from her organic cotton sweaters to her fuzzy UGG boots. Her bright blue eyes, rosy cheeks, and long, bouncy blond curls are straight out of the Hallmark Christmas movie universe. I could totally see her moving to a small town to run a bakery and falling for the grumpy firefighter / police officer / sheriff who plans to spend Christmas alone until they get trapped together in a cabin during a snowstorm.

Instead, despite having a software engineering degree, she was working days on an IT help desk with a side hustle as a community college teacher and an evening side gig / passion project as a white hat hacker. Even then, between rent, bills, and student loan payments, she struggled to make ends meet every month.

"I'd better call the insurance company for Rose," I said, pulling away. "And then I need to start cleaning."

"Don't you have to be at work?"

"Work" for me was a mid-level position as a pricing analyst for a food distribution company. My job involved sitting in a tiny cubicle inputting data into a computer forty hours a week. Mind-numbing boredom, constant distractions, and a lack of social interaction meant I had to drag myself to the office every morning. I was overqualified, underpaid, and the job had nothing to do with the degree I'd spent four years at college to acquire. I'd had to take on a side gig at a candy store to help cover my bills, student loan payments, and the occasional evening out, which happened only if there was more than one hundred dollars in my checking account after paying back my friends for the Uber ride home I owed them from last week.

About

To exonerate her best friend, one woman must mastermind a jewelry heist during the wedding of the season in this hilarious romantic-comedy caper from the author of The Dating Plan

Simi Chopra is on a bad-luck streak. She’s lost yet another job, her student loan debt won’t stop growing, her basement apartment is a certifiable flood zone, and now her best friend has been accused of stealing a multimillion-dollar diamond necklace. To put it lightly, she’s desperate for a break—that’s right when Jack waltzes out of the bushes and into her life.

Jack is just as charming as he is mysterious. When he offers to help her find the missing necklace and steal it back, Simi jumps at the chance to clear her friend’s name and collect the substantial reward. But every good heist needs a crew. All she needs to do is transform a ragtag group of strangers into an elite heist crew, infiltrate a high-society wedding and steal the necklace from a dangerous criminal before the happy couple say "I do." Meanwhile the bride is keeping secrets, a detective with a slow-burn smile keeps showing up at her door, and the ultimate robbery might not be the wedding con, but the way Jack is stealing her heart.

Praise

"Desai is masterful at character banter and will have readers laughing out loud."—Sharon C. Cooper, USA Today bestselling author of In It to Win It

"Dripping with banter, this action-packed and hilarious romp will keep you at the edge of your seat. Simi and Jack’s sizzling chemistry leaps off the page, and their hard won HEA feels so satisfying. But what really shines is the amazing, talented ensemble of misfits working together to pull off a daring jewel heist while simultaneously planning a wedding. You don’t want to miss this brilliantly crafted heist story!"—Farah Heron, author of Jana Goes Wild and Accidentally Engaged

“A wickedly fun and wildly engaging romp, led by a strong female protagonist whom readers can't help but root for through all her schemes and hijinks.”—Kyla Zhao, author of The Fraud Squad

"A jewel heist, an engaging heroine, a wedding, the pitch-perfect banter, and a mysterious guy - To Have and to Heist has it all! Grab this engaging and funny mix of a caper and a romance and get ready to be charmed."—HelenKay Dimon, author of Moorewood Family Rules

"The next time someone asks for a rip-roaring action rom-com, I'm pointing (read: shoving) them to Sara Desai's To Have and to Heist. Desai strikes the perfect balance of high-stakes plot and relatable main characters. The zany and irreverent crew are peak millennial chaos and I am so here for it! The crew's skillsets are particularly interesting, especially our action man's endearing love of horticulture. From the very first page I was swept away faster than a getaway driver. With breakneck pacing, antics that don't let up, and a spunky heroine that just won't quit, Desai's To Have and to Heist will easily steal away your afternoon."—Lillie Vale, author of The Decoy Girlfriend and The Shaadi Set-Up

“Sara Desai’s voice pulls you in from the first page in this fun caper with sizzling chemistry.”—Namrata Patel, author of The Candid Life of Meena Dave

“Romantic comedy meets ‘Ocean’s Eleven’”—USA Today

To Have and to Heist is what happens when you take Oceans Eleven-style capers, turn the sexiness up to eleven and slather it in some good ol' fashioned Desi family drama.”—Good Housekeeping

"An action-packed heist story that delivers a fun hit of romance."—Women's World

“Come for the crime; stay for the sizzling chemistry.”—Parade

“To Have and To Heist by Sara Desai is a wonderfully fun and thrilling read. If you are looking for a beach read, this is absolutely perfect.”—Cultress

“Lots of secrets and plot twists will keep readers turning the pages. Don’t miss this one!”—Fresh Fiction

“Fans of How to Lose a Guy in 10 Days will enjoy this South-Asian romantic comedy about a bet between two enemies with lots of chemistry. Indian culture plays a key role in the story, from the mentions of dishes to apparel. Between these cultural glimpses and the sparks between the couple, everything about this book is vibrant.”—The Daily Star

"Desai...fills the pages with wry observations...and allows her heroine some steamy romance with a thief who's "gorgeous but in a devilish way." You can practically start casting the movie already."—Seattle Times

"Sara Desai's To Have and to Heist is the perfect hilarious and action-packed rom-com for fans of Ocean's Eleven...Fast-paced, fun, and full of all the making of a great beach read, this book will steal your heart!"—She Does the City

“This caper is perfect for those who love rom-cozies — books that blend cozy mystery and romcom tropes.”—BookRiot

“Desai perfectly balances the lighthearted romance with a fun and twisty heist plot enacted by a kooky cast of indebted millennials. Romance lovers will devour this un-put-downable treat, and even readers generally wary of the genre will be swept away.”—Publishers Weekly (starred review)

“This unputdownable novel will fly off shelves, and readers will clamor for Desai’s backlist.”Library Journal (starred review)

Author

© Linda Mackie Photography
Sara Desai has been a lawyer, radio DJ, marathon runner, historian, bouncer, and librarian. She lives on Vancouver Island with her husband, kids, and an assortment of forest creatures who think they are pets. Sara writes sexy romantic comedy and contemporary romance with a multicultural twist. When not laughing at her own jokes, Sara can be found eating nachos. View titles by Sara Desai

Excerpt

One

There are people who need people, and then there are introverts.

You don't get to choose that particular personality trait when you're born. You're either the kid who spends recess running around the playground looking for friends, or you're the little angel who sits quietly in the reading corner with a book, lost in another world.

I'm definitely one of the people who need people. Leave me alone for more than a few hours and I'll be speed-dialing my way through my contact list or skulking around the local coffee shop looking for familiar faces. I'm the person who will ask if the chair is free at your table if you look like you need a friend, or chat with you in the grocery line and tell you that you're lucky you've picked this till because Charlotte scans things so fast, a few items always get missed and you might go home with a free can of beans.

I've always admired people who are content with their own company. My bestie Chloe can go an entire weekend without talking to another human being if her daughter is away at a sports game or sleeping over with friends. Actually, that's not entirely true. I don't think we've gone more than a few hours without communicating in some form ever since we met on the school playground in fourth grade. Even in the blackest moments of her favorite romance books, when all is lost and it seems like the couple will never find their happily-ever-after, Chloe will always be there for me.

I don't know what I would have done if she hadn't answered my call the day I, Simi Chopra, almost killed a man.

"Oh my God! Chloe!" I held a mirror over the mouth of the naked octogenarian on the floor to see if he was breathing. People who need people are adept at multitasking, even if it involves getting emotional support from your bestie while trying to revive one of your landlady's many "gentleman callers." Not that I begrudged eighty-year-old Rose her extracurricular activities. She'd kindly rented me her basement suite at a reduced rent in exchange for helping with chores and keeping her company on her rare evenings in. Someone in the house had to be getting some good stuff, and it wasn't me.

"What's wrong?" Chloe's soothing voice crackled over my phone speaker. I was due for a phone upgrade, but between rent, loan payments, therapy, and living expenses, even my entry-level office salary plus a side gig in a candy store didn't pay enough to indulge.

"I think I killed someone."

Chloe didn't miss a beat. "I'll grab some bleach and be right over."

"You'll be late for work."

"It's an IT help desk, babe. We spend most of the day telling people to turn the computer off and on again. I can easily get someone to cover for me."

Chloe is my ride-or-die. No questions. No judgment. Everyone should have a friend whose first thought is to run for the bleach when you call to tell her you might have killed someone.

"Hurry. He's barely breathing." I cleaned the mirror and held it over his mouth again, making a mental note to thank my parents for sending me to a first aid course in twelfth grade. They thought they were paving my way to med school. Instead, the course just confirmed that no one should put their life in my hands.

"I'd better bring a tarp, too," Chloe said.

"There's no blood."

"You might still need the tarp in case he loses control of his bowels."

"Crap."

"Exactly. I've been reading a lot of romantic suspense books," she said. "I know everything about dead bodies."

"I don't think he's that dead." I held the dude's wrist in my hand. "I feel a pulse. I'm not sure if it's his or mine. My heart is pounding so hard, I can't tell."

"Is he only mostly dead? Like in The Princess Bride?"

Chloe loves romance. We watch The Princess Bride every year on her birthday and rom-coms when it's her turn to choose on movie nights. Honestly, all that mushy stuff is like nails on a chalkboard to me, but this is Chloe. In seventh grade, she took the fall when I brought a set of steak knives to school for my Edward Scissorhands Halloween costume, and in eleventh grade she sneaked me in the classroom window when I overslept and almost missed our final calculus exam. There isn't anything I wouldn't do for her.

"Is there a degree of deadness that involves breathing?" I asked.

"You were the one who was supposed to become a doctor."

I heard cupboards slam, keys rattle on the counter, the click of a lock. Chloe was on her way. She was nothing if not efficient.

"If I'd become a doctor, I wouldn't be living in a low-rent basement suite and drowning in debt." I pressed an ear to the dude's chest, listening for a heartbeat.

"You would have had even more debt," she said over the rapid thud of footsteps and the hum of traffic. A single mom working three jobs to make ends meet, Chloe couldn't afford a car, so she took public transport to get around.

"Yes, but I would also have had the kind of job that would enable me to pay it off before I hit middle age."

"Almost at the bus stop." Chloe huffed into the phone.

I gave myself a mental pat on the back for choosing to stay in our hometown of Evanston, Illinois, when I finally moved out of my parents' house. I had briefly considered finding a place in Downtown Chicago, but rents were high, and I spent most of my free time with Chloe and her daughter, Olivia, so putting almost fourteen miles between us didn't make sense.

"The paramedics are here," Rose called out from the hallway. She'd put on a robe after I called the ambulance, a small mercy for which I was undyingly grateful. I wasn't judging her. I just didn't need a visual of what the future held in store for me fifty years from now.

"Gotta go, babe," I said to Chloe. "Rose needs me. I'll see you soon."

A gorgeous blond paramedic with green eyes and a face so chiseled it could cut glass gestured me to the side while his two equally hot companions crouched down to check out the almost naked dude on the floor-I'd thrown a tea towel over his hips for the sake of modesty.

"What happened?" he asked.

"My basement suite flooded this morning." I smoothed down my hair, acutely conscious that I'd come upstairs with a bad case of bedhead and wearing only PJ shorts and a ratty Chicago Bears sweatshirt. "I woke up with my stuff floating past my bed, so I came upstairs to tell Rose. She gave me keys to her place when I moved in so I could check in on her from time to time."

He smiled, which I took as a good sign. Maybe he liked curvy South Asian girls with long, matted dark brown hair and a little extra lip fuzz because they hadn't had time for the morning groom. Or maybe he was just a Bears fan.

"Unfortunately, I walked in on her and her boyfriend doing it on the couch." The visual had been bad enough, but the cost of the extra therapy I'd need to undo the trauma of what I'd seen was beyond imagining.

"Doing what?" he asked.

"You know . . ."

Respect was the guiding principle of my family. Respect for parents. Respect for aunties. Respect for elders. With respect drilled into me from birth, I couldn't bring myself to use the S word when it came to describing the intimate relations of two seniors. But what word could I use? Why did the paramedic have to be so sexy? Did he wear contacts or were his eyes really that vivid green? Was that a medical device in his pocket? I quickly shut down the runaway train of random thought process that was the bane of my existence.

"Boning." The word dropped from my lips before I could catch it.

His finger froze on the tablet he was using to record my information. "Boning?"

"Okay. Fine. Sex," I said quickly. "They were having sex. On the couch. Naked. Curtain ties were involved. And a curtain rod. I also saw a can of whipped cream, which I should really put back in the fridge so it doesn't spoil." I leaned in close, lowered my voice to a conspiratorial whisper. "I didn't know that position was possible after the age of forty. The dude really knew his stuff. I guess that makes sense if you've been doing it for eighty-plus years minus maybe fifteen or so. Of course, I can only guess when he lost his virginity. I didn't have sex for the first time until I was twenty."

His eyes glazed over, a telltale sign that I'd overshared.

"Name?" he asked.

"Simi Chopra. Currently single."

"I meant his name."

I bit back a grimace. Why couldn't he have been plain or even average? I could never speak in coherent sentences when a dude was too good-looking. "To be honest, she has so many boyfriends, I can't keep track of their names. She usually goes for younger men-fifties to seventies and occasionally forties if they're having an early midlife crisis. She said the octo-and nonagenarians usually have performance issues-although from what I saw, this dude is an exception. I kinda liked the last guy she was seeing. He runs the Lincoln Park 10K Run for the Zoo every year. He's super fit and has a six-pack, although I did wonder if it might just be his ribs poking out because he only eats raw, especially grass. She liked his stamina, but she got annoyed at meal times because he kept running out to the backyard to graze."

"Would anyone like tea?" Rose had gone to change when the paramedics arrived and was now wearing a tropical print dress with a giant pink belt cinched around her waist and a pair of matching heels. Rose was in theater and still performed onstage. She loved loud colors and bold prints because they matched her personality.

"Maybe not the best time," I called out. "What's this one's name?"

"Stan," she said. "I don't know that much about him. I met him in a bar last week after a show and we've been hitting the mattress hard ever since. He's eighty-eight with the stamina of a man in his fifties. It was nice being with someone mature for a change."

The paramedic coughed, choked before asking, "How did he wind up on the floor?"

"I walked in and scared him," I said. "Rose was on the couch. Sort of. She saw me and screamed. Stan jumped off her. Well, it was sort of a slow push away followed by a concomitant drop elsewhere. Not that I was looking, but your eyes have to go somewhere, and mine went there, and then I immediately wished they could be somewhere else."

"I'm not here to judge," he said, shaking his head in a way that belied his words.

I could see my chances of getting laid in the back of his ambulance were quickly disappearing. "He lost his balance trying to get up," I continued. "Then he fell and hit his head on the coffee table. I called 911 and checked to make sure he was breathing with a makeup mirror." I hesitated, waiting for an acknowledgment of my skill. None was forthcoming.

A rush of air cooled my heated cheeks before I heard the back door slam.

"I'm here," Chloe called out. "I've got bleach and rubber gloves. The tarp's in the car. Where's the body? We could probably dump him in the river." She froze behind the island counter that separated the kitchen from the living room. "You're not alone."

"Hello, darling." Rose gave her a little wave. "I'm afraid I can't offer you any tea. We're on our way to the hospital."

"That's Chloe," I told the paramedic. "She came to help."

"Good thing we got here in time." He jotted something down on his tablet.

Alarmed, I tried to read his screen upside down. "What are you writing?"

"A note to myself never to be alone in a house with you and your friend." He tucked the tablet away, then held the door while the other paramedics carried Stan out on a gurney. Rose walked beside them, holding Stan's hand.

"Is that a joke?" I called out. "I hope it's a joke. Don't forget I saved him by making sure he was breathing. If it wasn't for me, he'd be mostly dead."

Chloe hefted her bag and a Costco-sized container of bleach onto the counter, then ran over to wrap me in her arms. "Are you okay? Should I call your therapist?"

"No." I shuddered against her. "If you just pour some of that bleach into my eyes, I'll be fine. The things I had to see . . ."

Everything about Chloe is soft and warm, from her organic cotton sweaters to her fuzzy UGG boots. Her bright blue eyes, rosy cheeks, and long, bouncy blond curls are straight out of the Hallmark Christmas movie universe. I could totally see her moving to a small town to run a bakery and falling for the grumpy firefighter / police officer / sheriff who plans to spend Christmas alone until they get trapped together in a cabin during a snowstorm.

Instead, despite having a software engineering degree, she was working days on an IT help desk with a side hustle as a community college teacher and an evening side gig / passion project as a white hat hacker. Even then, between rent, bills, and student loan payments, she struggled to make ends meet every month.

"I'd better call the insurance company for Rose," I said, pulling away. "And then I need to start cleaning."

"Don't you have to be at work?"

"Work" for me was a mid-level position as a pricing analyst for a food distribution company. My job involved sitting in a tiny cubicle inputting data into a computer forty hours a week. Mind-numbing boredom, constant distractions, and a lack of social interaction meant I had to drag myself to the office every morning. I was overqualified, underpaid, and the job had nothing to do with the degree I'd spent four years at college to acquire. I'd had to take on a side gig at a candy store to help cover my bills, student loan payments, and the occasional evening out, which happened only if there was more than one hundred dollars in my checking account after paying back my friends for the Uber ride home I owed them from last week.