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Chapter 4: The Man Behind the Money

My father read the name a second time.

Then he lowered the phone and looked directly at my mother.

“Why are you sending money to Marcus Reed?””

Vanessa's fingers tightened around the edge of the patio table.

Nobody moved.

The fire pit had nearly gone dark, but the smell of burned silk still hung in the warm afternoon air. A blackened piece of my gown shifted in the breeze, revealing a tiny patch of silver embroidery that had somehow survived the flames.

Marcus Reed.

I knew the name.

He was my mother's younger brother, a man I had met only a handful of times when I was little. He had disappeared from our lives after a bitter argument with my father. Whenever I asked about him, Vanessa said he was irresponsible, dishonest, and dangerous to have around children.

I remembered her locking the front door after one of his visits and telling Brielle and me never to answer it if he returned.

Now my mother was staring at a phone displaying thousands of dollars transferred to his account.

Arthur repeated the question.

“Vanessa, why have you been paying Marcus?””

She straightened her burgundy blouse.

“He had a difficult situation.””

“What situation?””

“It's complicated.””

“Then simplify it.””

Her cheeks flushed.

“Marcus made some bad decisions. He needed help.””

Arthur turned the phone toward her.

“Forty-eight thousand dollars came out of Nia's education fund yesterday. Other transfers have been leaving the children's accounts for three years. You want me to believe this was all charity?””

“I was going to put the money back.””

“From where?””

Vanessa's mouth opened, but no answer came.

Brielle sat motionless, her hands folded tightly in her lap.

I looked at my mother.

“You told me there wasn't enough money for my art program.””

She glanced at me.

“Nia, this isn't about your art program.””

“You told me I needed to work if I wanted things that weren't necessities.””

“That was supposed to teach you responsibility.””

“I was responsible. I worked. I saved. I paid for my own dress.””

My voice shook, but I kept going.

“And while I was doing that, you were taking money out of my future?””

Vanessa's expression hardened.

“I did not take your future.””

“You took the money meant to pay for it.””

Arthur raised one hand.

“Enough. Nobody is leaving until I understand what happened.””

My mother laughed bitterly.

“You cannot order me around in my own home.””

“Our home,” Arthur corrected.

“And this conversation concerns our children's money.””

She looked toward the house, perhaps hoping one of the household staff would appear and interrupt us.

Nobody came.

Arthur placed the phone on the table and opened another document.

“Marcus has received a total of one hundred and eighty-six thousand dollars from accounts associated with this family.””

I stared at him.

“One hundred and eighty-six thousand?””

“That's what the records show so far.””

Brielle covered her mouth.

Vanessa shook her head rapidly.

“Those records don't show the whole story.””

“Then tell us the whole story.””

She turned toward me, and for a moment her expression softened into something that almost resembled pleading.

“Nia, you need to understand that adults sometimes have problems children don't know about.””

“I'm eighteen,” I said.

“And the money was in my name.””

“You were a child when the account was established.””

“Then why didn't you tell me it existed?””

She looked away.

Arthur's phone rang.

He glanced at the number, answered, and walked several steps toward the sliding doors.

“Yes, this is Arthur Carter.””

A pause.

“I'm looking at the statements now.””

Another pause.

His shoulders stiffened.

“Are you certain?””

He listened for several seconds before thanking the caller and ending the conversation.

When he turned back, he looked more troubled than angry.

“The bank confirmed that the education accounts were established with specific beneficiary restrictions. Some of the withdrawals may have violated those restrictions.””

Vanessa sat down abruptly.

Arthur continued.

“They're reviewing the transactions. I'm contacting an attorney this afternoon.””

“You wouldn't dare,” she whispered.

“I would.””

“You'd bring strangers into our marriage over money?””

“No,” he said.

“You brought this into our marriage when you hid it.””

Her eyes filled with tears.

I had seen my mother cry before. Usually, it happened when she was angry enough to make someone apologize. She would cover her face, retreat to her bedroom, and wait for the family to gather around her.

This time, nobody moved toward her.

Arthur turned to Brielle.

“Did you know Marcus was receiving money?””

She shook her head.

“No.””

“Did your mother tell you that your sister's savings might be used to pay his debts?””

“No, Dad. I swear.””

He studied her face, then nodded.

“Then don't guess. Tell the truth about what you know.””

Brielle took a shaky breath.

“Mom told me Uncle Marcus had been struggling. She said Dad didn't want him around because of an old argument.””

“What kind of argument?”” I asked.

Vanessa immediately interrupted.

“That is enough.””

Arthur turned toward her.

“No. We have spent years hearing your version of why Marcus disappeared. It's time we heard the truth.””

Vanessa stood so abruptly that her chair scraped across the stone patio.

“Your father humiliated Marcus! He treated him like he was worthless because he made mistakes!””

“What mistakes?”” Arthur asked.

“He lost money. He borrowed from people. He got into trouble.””

“And you thought the solution was to secretly transfer our children's savings?””

“I thought I could help my brother without destroying my family!””

The confession came out louder than she intended.

Silence followed.

My father looked at her for a long moment.

“You knew I would refuse.””

Vanessa wiped her cheeks.

“You always wanted to control every dollar. You wanted everything to be perfect. I couldn't even help my own family without asking permission.””

Arthur's face tightened.

“You could have discussed it with me.””

“And you would have said no!””

“Then you could have accepted that answer instead of taking money from our daughters.””

Vanessa looked at me.

“You have no idea what Marcus was facing.””

I met her gaze.

“Neither did I. You never told me anything. You just let me believe there wasn't enough money for my future.””

She flinched.

For a moment, I thought she might finally apologize.

Instead, she pointed toward the house.

“You should be grateful. You have a roof over your head, food on the table, and a father who can afford to replace your little dress.””

Arthur's expression changed.

“Vanessa.””

“What? Am I lying?””

I felt something inside me go quiet.

Not because the words didn't hurt.

Because I finally understood that my mother didn't see the dress as a symbol of my hard work. To her, it was an object she believed I could be persuaded to stop caring about.

I looked at Arthur.

“I don't want another dress right now.””

He nodded slowly.

“Okay.””

“I want to know whether I can afford college.””

“You can.””

“Are you sure?””

He hesitated.

It was the first time I had seen him hesitate when answering me.

“I will make sure we establish exactly what remains in your fund and what needs to be restored.””

I swallowed.

“That isn't the same as saying the money is there.””

“No,” he admitted.

“It isn't. But I won't lie to you.””

Those words meant more than a promise he couldn't yet keep.

Arthur collected the printed statements from the table.

“I'm going inside to contact the attorney. Nobody should move or destroy any financial records.””

Vanessa stared at him.

“You're treating me like an enemy.””

“I'm treating this situation seriously.””

He walked into the house, leaving the three of us beside the fire pit.

For several seconds, all I could hear was the faint sound of the air conditioner through the glass doors.

Then Vanessa turned to me.

“You need to stop encouraging him.””

I blinked.

“Encouraging him to do what?””

“To destroy this family.””

I almost laughed at the absurdity of it.

“Mom, I didn't know the account existed until today.””

“You could tell him this is a misunderstanding.””

“Is it?””

She stepped closer.

“Nia, please. I am asking you as your mother.””

I looked at her hands.

The same hands that had braided my hair when I was little. The same hands that had held my face before school pictures. The same hands that had rested on my shoulder when she told me I was the easiest child to raise because I never needed anything.

“I need something from you,” I said quietly.

She looked hopeful.

“What?””

“Tell me you knew I was working six months for that dress.””

“I knew.””

“Tell me you knew Brielle burned it.””

“I was there.””

“Then tell me why you didn't stop her.””

Her eyes darted toward the fire pit.

“I thought you two would work it out.””

“You watched her set fire to something I had saved for half a year, and you thought we'd work it out?””

Vanessa pressed her lips together.

“She was upset.””

“So was I.””

“You're stronger than she is.””

I shook my head.

“I'm not stronger, Mom. I've just had more practice being disappointed.””

She recoiled as if I had struck her.

Before she could answer, the front door opened.

Arthur stepped onto the patio with his phone in one hand and a folded document in the other.

“Nia, I need you to come inside.””

His voice was calm, but his eyes were fixed on my mother.

“Why?”” I asked.

“Because the attorney has reviewed the preliminary records.””

He glanced at the folded paper.

“And there's something here that neither of you has explained.””

Vanessa went pale.

Arthur held up the document.

“Marcus didn't just receive money from the children's accounts.””

He paused.

“He also signed a loan agreement using our house as collateral.””

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My mother closed her eyes.

And for the first time that day, I realized the burned dress might be the smallest thing our family had lost.

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