Emmett’s father disappointed him, and Emmett has planned his life to avoid making the same mistakes that Charlie did. Emmett especially emphasizes that he won’t fall into debt like Charlie did, which hints at Emmett’s previously established discomfort with depending on others. His decision to research Billy’s plan shows that Emmett loves his brother and wants to accommodate him, but ultimately he prioritizes practicality. Billy, on the other hand, is more concerned with “a good story.”