It was a sunny spring morning when the Smith family—Mark, Lisa, and their two kids, Emily and Jake—sat at the breakfast table, planning their summer vacation. Mark had his heart set on a cross-country road trip, while Lisa dreamed of sandy beaches. But there was one looming issue they both avoided discussing: their aging roof. For months, Mark had noticed a few loose shingles and water stains on the ceiling. “It’s not a big deal,” he reassured Lisa. “We’ll take care of it next year. Let’s use the money for something fun this summer instead.” Lisa, always the optimist, agreed. The family booked their vacation and pushed the thought of roof repairs to the back of their minds.