Chapter 9: The Money That Disappeared Before She Died
I found Margaret in the parking garage.
She was standing beside a black sedan, holding her phone against her ear. Her briefcase sat open on the hood, and several papers had slipped onto the concrete.
"No," she said into the phone.
"That transfer wasn't authorized by me.""
She listened.
Then she whispered, "I understand what the statement says. I'm telling you the account wasn't mine.""
I stopped several feet away.
Margaret turned and saw me.
Her expression changed.
She ended the call.
"Nia.""
I held up the audit notice.
"Seventy-four thousand dollars was transferred two days before my mother died. The money went to an account bearing your name.""
Margaret closed her eyes.
"I know.""
"How?""
"The bank contacted me this morning after the showcase's legal team requested verification.""
"Why didn't you tell us?""
"Because I didn't know the transfer existed until an hour ago.""
I studied her face.
She looked frightened.
Not angry. Not defensive.
Frightened.
"Did you receive the money?""
"No.""
"Then where did it go?""
She opened her briefcase and removed a printed bank statement.
"This account was established twenty years ago when Elena and I were working together. It was intended to hold deposits from a potential buyer interested in Tides of Light. We closed the partnership account when the collaboration ended.""
She pointed to the account number.
"The account shown on your notice is not the original account. It has a different suffix and a different authorization code.""
I compared the numbers.
She was right.
"Someone opened another account using your information?""
"That appears to be what happened.""
"Who could do that?""
Margaret looked at the statement.
"Someone who had access to the original partnership records, Elena's trust documents, and my personal information.""
I thought of the declaration Vanessa had presented.
The suspicious signature.
The incomplete agreement.
The money transferred into an account bearing Margaret's name.
Everything seemed connected, but I couldn't see the whole picture.
"Did you ever receive a letter from my mother about the trust?""
Margaret hesitated.
"Yes.""
"When?""
"Shortly before she died.""
"What did it say?""
She stared at the concrete floor.
"She told me she had discovered irregularities in the financial records. She believed someone was using the old partnership agreement to justify unauthorized transfers.""
My heart pounded.
"Why didn't you help her?""
"I tried.""
"How?""
"I contacted the attorney who had prepared our original agreement. He advised us not to make accusations without evidence. Elena said she would send me copies of the relevant documents, but I never received them.""
"Why?""
Margaret looked at me.
"Because your father called me three days later and told me Elena had changed her mind. He said she wanted to resolve the matter privately.""
I stared at her.
"My father?""
"Yes.""
The garage suddenly felt colder.
"What exactly did he say?""
Margaret took a breath.
"He told me Elena was seriously ill and didn't want to spend her remaining time fighting over old business disputes. He asked me to leave the matter alone.""
I looked down at the audit notice.
"Did you?""
"Yes.""
"Why?""
"Because I believed him.""
She lowered her head.
"And because I was angry with Elena. Our partnership had ended badly. I thought she was trying to reopen an old argument.""
I thought about my mother spending her final months trying to protect my future while the people around her argued over money and ownership.
"Did she steal your designs?""
Margaret shook her head.
"Not in the way I accused her of doing.""
"What does that mean?""
She sat on the edge of the car.
"Elena and I created several designs together. We each developed separate pieces too. When the partnership ended, we agreed that the joint designs would remain jointly owned unless one of us purchased the other's share.""
She rubbed her forehead.
"The collection was never fully sold. Some of the paperwork was unfinished, and I thought we would resolve it later. Then Elena became ill, and everything fell apart.""
"So the declaration Brianna showed everyone—"
"Could be a misrepresentation of the original agreement. I need my attorney to examine it.""
I studied her.
"Why did you come to the showcase and accuse my mother?""
Margaret looked ashamed.
"Because someone sent me documents that appeared to prove she had signed away her rights. I thought I was finally seeing the complete record.""
"And now?""
"Now I think someone wanted us fighting each other.""
The words settled over us.
For years, I had believed Vanessa was simply cruel.
Now I was beginning to understand that she might have been carefully arranging situations in which everyone blamed someone else.
My father blamed himself for the missing money but stayed silent.
Margaret blamed my mother for a disputed collection.
Brianna blamed me for the competition.
And Vanessa stood in the middle, controlling the story.
I looked at Margaret.
"Will you help me find out what happened?""
She nodded.
"Yes.""
"Even if the truth makes you look bad?""
"Especially then.""
She picked up the papers from the hood.
"I'll have my attorney request the original banking records and the complete trust documents. If someone used my name to receive your mother's money, I want to know who.""
I nodded.
Then I turned toward the exit.
"Nia," Margaret called.
I stopped.
"Your mother once told me that you had an unusual gift. She said you could look at a damaged piece of fabric and imagine what it might become.""
I swallowed.
"She used to say that to me.""
"She was proud of you. Even when you were too young to understand what she was building for you.""
I looked away before the tears could fall.
"Then help me protect it.""
"I will.""
I left the garage and returned to the auditorium.
The award ceremony was nearly finished. A staff member handed me a small glass trophy engraved with my name and the title of my gown.
I held it carefully.
For the first time, I had something no one in my family could take away simply by claiming it belonged to them.
But the victory felt incomplete.
The money was still missing.
My mother's name was still tangled in accusations.
And I had no idea whether Dad would ever tell me the whole truth.
When I arrived home that evening, the living room lights were on.
Vanessa sat on the sofa with a glass of water. Brianna stood by the fireplace, her arms folded.
Dad was waiting near the staircase.
He looked as though he hadn't slept.
"Nia," he said.
"We need to talk.""
I set my trophy on the table.
"Then talk.""
Vanessa stood.
"Your father has been under tremendous pressure. We all have.""
I looked at her.
"Please don't.""
She blinked.
"Don't what?""
"Try to turn this into something that happened to all of us equally.""
Her mouth tightened.
I turned toward Dad.
"What happened to the seventy-four thousand dollars?""
He closed his eyes.
"I don't know.""
"You knew about the other transfers.""
"Yes.""
"You signed them.""
"Yes.""
"And you told me the money had been spent on household bills.""
He nodded.
"Then why should I believe you don't know about this transfer?""
He looked at me with red-rimmed eyes.
"Because I never authorized it.""
Vanessa placed her glass on the table.
"Marcus, be careful.""
I turned toward her.
"Why? What are you afraid he'll say?""
She stared at me.
"You're a child. You don't understand how complicated these matters are.""
"I'm old enough to understand that money was taken from an account meant for my future.""
"Your father made financial decisions.""
"Then let him explain them.""
Dad sat down heavily.
"I discovered the seventy-four-thousand-dollar transfer after your mother died. I thought it was part of the money that had been moved into Vanessa's company.""
"Was it?""
"No. When I checked the account, the receiving details didn't match. I asked Vanessa about it, and she said the bank had made a mistake.""
I looked at Vanessa.
"Did you?""
She laughed nervously.
"That was years ago.""
"Did you tell him the bank made a mistake?""
"I don't remember.""
Dad raised his head.
"You told me you had contacted the bank.""
"I said I would.""
"You never did.""
Vanessa's face hardened.
"Marcus, you are not going to blame me for every bad decision you've made.""
He stood.
"I'm not blaming you for the transfers I authorized. Those were my responsibility. But this one was different.""
"Then perhaps you should ask the bank.""
"I did.""
The room fell silent.
Dad reached into his pocket and removed a folded piece of paper.
"The bank's initial review shows that the transfer was requested using a security code sent to our home address.""
I looked at the date.
Two days before my mother died.
The code had been delivered while she was still living in the house.
"Who had access to it?"" I asked.
Dad's voice shook.
"Your mother. Me. And Vanessa.""
Vanessa stepped backward.
"That proves nothing.""
"No," I said.
"But it gives us somewhere to look.""
Brianna suddenly spoke.
"Mom, you told me that money belonged to Dad.""
Vanessa turned sharply.
"Go upstairs.""
"But you said—"
"NOW!""
Brianna flinched.
For the first time, I saw fear on my stepsister's face that had nothing to do with me.
She hurried up the stairs.
I looked at Vanessa.
"What did you tell her?""
Vanessa straightened her shoulders.
"Nothing that concerns you.""
I picked up my trophy.
"Everything about that money concerns me.""
I walked toward the staircase.
Dad followed.
"Nia, wait.""
I turned.
He held out a small brass key.
"Your mother kept a locked drawer in her old writing desk. I found the key after she died, but I never opened it.""
I stared at him.
"Why not?""
"Because Vanessa told me the drawer contained personal letters that would only upset you.""
"Did you look inside?""
"No.""
I took the key.
"Where is the desk?""
"Your mother's old sewing room. Vanessa turned it into storage.""
I walked down the hallway and opened the door.
Dust covered the furniture. Boxes were stacked against the walls, and a broken lamp lay beside a cabinet.
In the corner stood my mother's writing desk.
I knelt in front of it and found the locked drawer.
The key turned with a soft click.
Inside lay a bundle of letters, a small notebook, and a sealed envelope marked with my name.
I opened the notebook first.
Most of the pages contained measurements, sketches, and notes about fabric.
But near the back, my mother had written several entries about the trust.
One sentence was underlined twice.
If the money disappears, the person responsible will not be the one everyone suspects.
I felt a chill.
Beneath it was a date.
The day before the seventy-four-thousand-dollar transfer.
And beside the date was a name.
Not Vanessa.
Not my father.
*Brianna.*
I stared at the page, unable to understand what I was seeing.
Then I opened the sealed envelope.
Inside was a photograph of Brianna as a toddler, sitting on my mother's lap.
On the back, my mother had written:
No matter what happens, the children must never pay for the sins of the adults.
I sank onto the floor.
Brianna had been a little girl when the money disappeared.
She couldn't have understood what was happening.
So why had my mother written her name beside the transfer?
I turned the page again.
There was another note, written in a hurry.
Vanessa has asked me to change the beneficiary designation. I refused. Marcus says he knows nothing about the request. I no longer know whom to trust.
My hands began to shake.
The final entry was dated two days before my mother's death.
I have found proof. Tomorrow, I will meet with Evelyn and deliver the original records.
But according to Evelyn, my mother had never arrived.
I looked at the empty doorway.
Someone had stopped her from delivering those records.
And whoever had done it had been close enough to know exactly where she was going.
A floorboard creaked behind me.
I turned.
Vanessa stood in the doorway.
Her eyes were fixed on the notebook in my hands.
For several seconds, she didn't speak.
Then she stepped inside and closed the door.
"Give me that.""
I tightened my grip.
"No.""
Her expression changed.
"You don't know what you're holding.""
"Then explain it.""
She approached me slowly.
"Nia, your mother was sick. She was confused. She wrote things that didn't make sense.""
"She wrote that someone tried to change my trust.""
"She was under medication.""
"She wrote that she found proof.""
Vanessa stopped.
I held up the page.
"She was going to meet Evelyn the day before she died. Why didn't she go?""
Vanessa's face went completely still.
Then she whispered, "Because your father stopped her.""
My breath caught.
"What?""
"He was afraid she would expose everything.""
I stared at her.
"Everything about what?""
Vanessa reached toward the notebook.
I pulled it away.
Her voice rose.
"Give it to me!""
"No!""
She grabbed my wrist.
I cried out and twisted free.
The notebook fell open on the floor.
A folded sheet slipped from its back cover and landed between us.
Vanessa lunged for it.
I was faster.
I picked it up and unfolded it.
At the top was a bank authorization form.
At the bottom were two signatures.
One belonged to my father.
The other belonged to someone who had used my mother's name.
But beneath the signature, in a small handwritten note, was an instruction.
Transfer the funds to the account registered under the minor beneficiary's name.
I stared at the words.
The minor beneficiary was me.
And the account number listed below wasn't the trust account.
It was a completely different account, one I had never heard of.
Vanessa stopped moving.
For the first time, she looked genuinely afraid.
I raised my eyes.
"What did you do?""
She took a step backward.
Then she whispered, "You need to understand something about your mother, Nia.""
Her voice trembled.
"She wasn't the person you think she was.""
Before I could answer, a loud knock sounded at the front door.
Dad called from the hallway.
"Nia? The police are here.""
I froze.
Vanessa looked at me.
Then she smiled.
Because she believed the next person through that door would finally make me stop asking questions.
But when Dad opened it, the woman standing on the porch wasn't a police officer.
May you like
She was a lawyer.
And she carried a document bearing my mother's original signature.
