"Twenty Thousand" is a modern O'Henry, a "Gift of the Magi" set in 2005. An impoverished mother with toddler and infant, drives the snowy NH Turnpike in a desperate trip to beg money from her parsimonious husband at his National Guard station. With her last dollar, a coin of great sentivmental value, she pays the toll. When the couple try to retrieve the old coin, the toll collector won't give it up.
The husband blames his wife for losing it. "You shouldn’t have spent it."
This story appeared in The New Yorker this week, and I have not been able to find it online. Good luck, its a great story.