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The Billion-Dollar Payback Plan: She Woke Up Richer Than The
The Billion-Dollar Payback Plan: She Woke Up Richer Than The
Author: C.ELLICA

Chapter 1

Author: C.ELLICA
last update Last Updated: 2025-07-12 12:47:42

Krystal Hunter.

That was the name that rang through the financial world like a thunderclap—a name whispered behind velvet boardroom doors and broadcast across billion-dollar screens. I was the woman they said could crash a market with a tweet, tank a currency with a breath, and make nations sweat with a single shift of my eyes. The mega billionaire. Single. Beautiful. Unbothered. Untouchable. VIP at every gala, legend in every stock index.

Yes, remember that name.

But before the luxury jets, the ice-cold champagne, the silence that followed my footsteps when I walked into a room...

Before I became Krystal Hunter, I was...

Well. Unfortunately, I was Krystal McLaren.

It all started with a lie dressed up as family. I was the fifth daughter of a middle-class business clan called the McLarens. From the outside, we were polished, polished, polished. Sunday brunches, private school tuition, polite smiles at charity auctions. Picture-perfect.

But open any door in that household and the illusion cracked.

Our family business was twofold.

One: Cigars—the legal kind. Imported, branded, overpriced, and packaged in mahogany boxes to impress other men at country clubs.

Two: Fake luxurious goods—the illegal kind. Knockoff watches, “designer” bags, black market cologne bottled to smell like success. Counterfeit glamor. Counterfeit values. Just like us.

Elias McLaren was the head of the family. Charming, calculating, and always cloaked in expensive smoke. My adoptive father, though I had no memory of ever being asked to choose that.

Norma McLaren, his wife—my adoptive mother—was less smoke, more venom. Sharp eyes, sharper tongue. She played the perfect hostess, but behind closed doors, she treated me like an inconvenience that refused to be thrown out.

And then there were my four “sisters”:

Venice, Era, MJ, and Ivy.

Each with their own brand of poison. And then there was me. The youngest. The unwanted. The outsider wearing their last name like a too-tight coat. The family photo prop no one wanted to pose beside.

To the rest of the world, we were a typical middle-aged, middle-class, mildly successful family.

But inside that house?

It was war and bullying! It was betrayal. It was quiet punishments and loud silences. It was Sunday brunches where I wasn’t allowed a second helping, “because we need to teach Krystal moderation.”

It was family vacations where I was cropped out of the photos. It was “don’t touch that, it’s not for you.”

It was hell.

You want to know why? Because I was not a real McLaren.

Here’s the truth they never wanted to talk about:

My real father was Ryan McLaren, Elias’s younger brother. He was never the golden child. That title belonged to Elias—the one who inherited the business sense, the house, the cigars, the charm. But Ryan? He was different. Kind, they said. Quiet. Almost invisible in comparison. He married for love, not leverage.

My real mother died giving birth to me. A twist of fate, or a curse—depends on who you ask.

And my father, Ryan?

He died in a car accident two hours later.

Two hours.

I hadn’t even opened my eyes properly, and I was already alone in the world. Ironic and such luck. Huh?

And that’s when Elias stepped in.

Noble? No.

Necessary? Oh, definitely.

According to what he told me, it was all written down in Ryan’s will—that Elias would adopt me and, in exchange, he’d receive everything Ryan left behind. His money. His share in the family estate. Whatever “dignity” a second son could leave behind.

I never read the will. I was a baby. A bargaining chip with a pulse. And by the time I could read, no one cared to show me the fine print. But Elias made it sound so simple:

“All your father’s assets were transferred to me, Krystal. That’s what the will said. But I took you in. I kept you safe.”

And to be fair… He didn’t treat me like trash. Not like the others did.

For Elias, I was a person. Not a daughter, not a stranger. Just someone to be fed, clothed, occasionally spoken to. He was cold, yes, but civil. He never hugged me. Never called me his. But he also never raised his hand. For him, I was just… there. A contract fulfilled. A soul housed.

But to the rest of the McLaren household? I was nothing. A stray. A stain. The afterthought in a family of polished frauds.

Venice liked to call me “the orphan” behind my back. Era treated me like a maid—snapping her fingers for things I never owed her. MJ took every opportunity to steal from me—small things that mattered more than she’d ever understand. Ivy, the baby before me, hated that she had to share her old toys and even her forgotten spot with someone like me. Her envy screamed louder than words.

And Norma? Oh, Norma McLaren was the queen of cruelty served with a smile. She never hit me on face—no, she was too elegant for that. But her every word was a dagger coated in sugar.

“Krystal, darling, it’s not your fault you don’t have our blood. Some people just don’t… blend in.”

I used to wonder what I had done wrong. Why no one wanted to love me. Why being born cost me everything.

When I was in high school, my so-called siblings brought me nothing but pain. Not just the cold shoulder, not just the petty insults—they made it their life’s mission to destroy me, bit by bit, day by day.

They didn’t just tease. They bullied. They broke me in ways I couldn’t explain without shaking.

They burned my school papers—essays I’d stayed up nights working on, drenched in ink and sweat, just to prove I could keep up. They didn’t care. They lit them up like it was a joke.

They burned my uniform. I still remember the smell of melting fabric, my anger and fear, the villainess laughter echoing in the backyard, and the ash falling like black snow. No one said a thing. I was a nobody. Not even Uncle Elias.

They once threw hot water on my back.

Not boiling—not really, but hot enough to blister.

I remember the searing pain, my scream, I begged, I remembered  the red welts across my shoulder blades, and the way I screamed so loud the neighbors came knocking.

But Norma said I slipped in the kitchen. And Elias? He didn’t even look up from his newspaper.

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    Krystal Hunter – POVThe thing about men like Darren Johnson was that they always thought they were leading. Always thought the world bent for them because they leaned the right way.But I knew better.I knew him.Because this wasn’t the first life where Darren walked into my orbit. I’d seen his moves before—the charm, the steel-eyed ambition, the way he could make a woman feel like she was the only one in a room full of billionaires. I’d also seen where it ended. Betrayal. Blood. The deal with the McLarens that cost me everything. My fortune, my family, my life.But this time? This time the board was mine.He didn’t know that while he was smirking at me over popcorn and calling me beautiful under the dim flicker of a zombie movie, I was already counting his breaths, cataloging the tilt of his eyes, the slip of hesitation in his voice. Every word, every glance, every little moment where he thought he was clever — I filed it away. A weapon for later.The movie ended past two. He was st

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter

    Darren Johnson – POVI should’ve waited until morning. Should’ve taken the time to polish my findings, line up the narrative, make it airtight before I dropped it in front of her. That’s how I operated — clean, calculated, always in control.But Krystal Hunter had a way of bending my rules.So instead, I found myself in her penthouse at nearly midnight, folder tucked under my arm, adrenaline still buzzing in my veins from the calls I’d made and the “truths” I thought I’d uncovered about Raven Anderson.She opened the door barefoot, wearing yoga leggings and an oversized sweatshirt that hung off one shoulder. No diamonds, no silk, no armor of Manhattan elitism. Just… Krystal.“Darren?” she blinked, tilting her head as if surprised but not displeased. “You know it’s midnight, right? Some of us actually do yoga and sleep like normal people.”“Normal?” I snorted, brushing past her into the apartment. “There’s nothing normal about you, Krystal.”“Flattery,” she said lightly, closing the do

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 81

    I pulled strings I hadn’t touched in years, whispering into phones, making introductions through middlemen who didn’t ask questions. Each call was another stone cast into the pond, ripples spreading outward, waiting to come back and drown Raven Anderson.Because when Krystal said she wanted someone ruined, she didn’t mean politely embarrassed. She meant obliterated.I leaned back in my chair, the bourbon burning its way through my chest, and thought about her again.Why was I doing this? Raven Anderson wasn’t my problem. Not until Krystal made him mine. I should’ve told her no. Should’ve kept my distance. But every time I saw her smirk across my desk, every time she looked at me like she was daring me to prove myself, I couldn’t help it.She wanted him gone.So I would erase him.I pictured the look on her face when I told her. The satisfaction. Maybe even gratitude. Maybe she’d finally let me see past that polished armor she wore so well.The phone buzzed again — Marco texting me lea

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 80

    Darren POVThe storm outside hadn’t let up. Rain hammered the wide glass windows of the restaurant, streaking the city in silver lines, turning headlights into halos in the darkness. Inside, the warmth of golden lamps and the quiet hum of jazz only made the divide sharper—out there was the drowning city, in here was the illusion of control.And across from me sat Krystal.Her dress was black silk, simple but devastating, clinging in places that made my throat tighten. A slash of red on her lips. Diamonds, but small ones—strategic, subtle, as if she didn’t need to prove wealth when her very presence screamed it.The waiter returned with dinner—roasted duck glazed with honey and citrus, seared scallops with saffron, a side of wild truffle risotto. Dishes I couldn’t even pronounce, let alone afford.She carved her duck delicately, her fingers precise, her nails painted a dark, expensive shade of wine that matched her lips. I couldn’t stop watching her hands, the easy confidence in every

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 79

    Hours later, Darren staggered out of the casino, his wallet empty, his credit cards maxed, his bank account teetering near zero. His last $10—gone in the span of one night.The city rain hit his face like cold slaps as he stumbled down the sidewalk, the neon casino sign buzzing mockingly behind him. His Italian leather shoes were soaked, his trousers clinging to his legs. His once-immaculate image of the city’s slickest lawyer was nothing but a joke now.He pulled out his phone, hands shaking, scrolling through his contacts.First call: his best friend, Mark.“Mark—it’s Darren. Listen, I need a favor. Just a small loan—”“Darren?” Mark’s voice was tight. Cold. “Don’t ever call me again. The papers are all over it. You’re poison. You’d drag me down with you.”The line went dead.Second call: his cousin, Elaine.“Elaine, please. I know we haven’t spoken in a while, but I just—”“Darren.” Her sigh was heavy, disgusted. “You didn’t even call when my father died. And now you’re calling me

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 78

    Krystal POVThe next week was nothing but silence in Darren Johnson’s office.But silence didn’t mean peace. It meant implosion.And the man who once sat so high on his leather chair, with his polished shoes and untouchable smirk, had no idea his carefully constructed tower was collapsing brick by brick.He thought he was the one playing chess. He didn’t realize I’d already moved his king into checkmate.Darren’s mother had died three days ago. A quiet, pitiful funeral—barely a dozen attendees, mostly relatives who were there only for the gossip. No wreaths from powerful clients. No colleagues from his old firm. Even the priest rushed through the prayers. Darren stood there hollow-eyed, trying to hold his younger brother together… except his younger brother didn’t last.The shame of being exposed online, the bullying, the endless stream of “Johnson the Fraud” hashtags—he couldn’t take it. And one night, the man who once clung to Darren as his only role model… ended it.Darren had to b

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