# Do Not Go to the Airport Tonight

By MCAFax · Published September 20, 2026 · Updated October 2, 2026
Section: Markets & Main Street › Small Business · Series: Confessions (https://mcafax.com/notebook/series/confessions)
Canonical: https://mcafax.com/notebook/do-not-go-to-the-airport-tonight
Source: MCAFax, The Broker's Notebook (https://mcafax.com/notebook). MCAFax is not a lender or a law firm.

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DO NOT GO TO THE AIRPORT TONIGHT.

All caps. Top of my evening report. My own software, shouting at me like a friend grabbing your car keys at a party.

At dawn it had been shouting the opposite. Departure was TONIGHT, not tomorrow, 11:25 p.m., don't you dare miss it. I'd built that calendar block with my own hands. I'd packed around it. I'd told everyone I was flying tonight.

At 7:15 in the evening, the airline moved the plane. Brakes. Fifteen and a half hours. Both connections gone with it.

Three minutes after the delay notice came an apology from a vice president of customer care, sorry for my recent experience on a flight I had not yet taken. I have read underwriting files with better timelines.

By ten, the new ticket had issued itself. One connection instead of two, the middle city deleted from my life. Paid entirely out of the dead ticket's balance. The only real loss: 8,800 miles I'd spent upgrading a seat on a leg that no longer existed.

But the airline wasn't the thing that rattled me. My own records were.

Two days earlier, I had written that a vendor's eighth reminder had fired on Sunday evening. I'd repeated it in a post. I'd quoted it with a straight face.

There was no eighth reminder. My register invented a letter that never arrived, and I believed it. The thing that caught it did what I should have done. It counted the actual mail. Eight messages total, the newest five days old. No Sunday letter anywhere.

The funding world taught me this lesson years ago, and it taught it with bank statements.

There was a merchant, a flooring company, whose statement summary page said monthly deposits of ninety-two thousand. Gorgeous. My manager wanted to submit it to three funders before lunch. An old underwriter at the next desk, a woman who chewed pencils instead of smoking, held out her hand for the file.

"Did you count them?" She asked.

"The summary says ninety-two."

"I didn't ask what it says."

She counted the deposits, line by line, with a ruler. Fifty-one thousand. The other forty-one was the merchant moving money between his own accounts, back and forth, to make the number fat. Transfers dressed as revenue.

"Never take the summary page's word for a deposit," she said, and handed the file back. "Count the deposits."

I have spent years counting other people's. And a phantom letter got past me in my own register inside a week.

So that night, I counted. Not the summary. The actual messages, the actual tickets, the actual flight. One confirmed departure, 11 a.m. One seat. One connection.

Then I did what the capital letters told me. I unpacked one shirt, put it back in the closet, and went to bed in a house I was supposed to have left.

*Confessions is a series of stories from inside the MCA world. Names and details are changed, and some are dramatized.*