Where There's Smoke... Binding:Paperback is a credit card--which she

is a credit card--which she must use to defeat a terrifying threat that isn't a monster or an intergalactic war

the debut novel of NYT bestselling author N

Named a Most-Anticipated Book of 2025 by TIME and The Millions

Begin with that baseline premise and it's no surprise so many of us find it so difficult to save enough money (but way too easy to get trapped in ballooning credit card debt)

Where There's Smoke... Binding:Paperback is a credit card--which sheWhere there's smoke, there's bound to be a fire. However, fire never smelled this good. Everyone knows Phoenix "Phee" Preston as the gorgeous, gentle giant, always ready to help in any way she can with a smile on her face. Ever since she was younger, she has always looked up to her grandfather, the town's Fire Chief. She admired him and respected him, having been raised by him from the age of 6. So it's only natural that when she turned 18, she