Amanda Galvez used to be Madame Bulalakaw, the celebrity psychic — until a national humiliation cost her the gift and her career. Ten years later, she’s just broke, and the bank is about to take her house.

She walks into a routine loan meeting and walks out with her powers back, an obsessive ghost, and a lunch invitation from Sidapa, the god of death.

Four days. A missing bank employee. A restored but unreliable ability. A fraud big enough to kill for. A stray cat she never asked for, who meows his opinions about everything in her life. Amanda, caught between usurers and forgotten gods, is running out of time to find out which one gets to her first.

When It Rains, It’s Four! is a ghost story with bank spreadsheets, gods who don’t text back, and a heroine who really just wants to save her house.