THE YEARS WE OWE: 1

What would you give away if you could trade years of your life?For centuries, humanity has treated time like currency. People sell it. Families transfer it. The wealthy buy it. The poor spend futures they have not yet lived.Mara Vale has built her career around making those transactions possible. She knows the rules, the safeguards, and the price.What she does not know is what happens to the time that never reaches its destination.When a routine transfer exposes a hidden debt buried inside the system, Mara begins to uncover a secret that reaches back to the first successful life transfer-and to the people who have been quietly keeping the account ever since.Someone has been collecting the missing time.And now Mara has become part of the debt.THE YEARS WE OWE is a fast-moving speculative thriller about time, sacrifice, identity, and the price of a future you thought belonged to you.