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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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  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 91- THE END

    The accusation landed like a stone. Darren’s shoulders sank as if that single line had the weight to crush him. “You—how can you say that? I gave you everything. I—”“You gave me the performance of every desperate, bought man in this city,” she interrupted, and there was a glacial edge to her anger now. “You paraded me like a trophy and then thought you could buy your way into my pity. You thought you were clever, Darren. You thought you could take what belonged to me and hide behind charm.”He tried to find counter arguments, defense, plea. All he could find was baffled, trembling grief. “I didn’t— I didn’t know. I didn’t know you were—” He couldn’t finish. He had no language for the universe in which the woman who had brewed his coffee, slept with her head on his chest, and laughed at zombie movies could also be the architect of his ruin.Krystal’s mouth tightened. She stood, the silk rustling like a promise. She leaned in so close he could see the tiny flecks of gold at the edge of

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 90

    A few days later.The strike came fast.One morning, Darren woke to a pounding on his office doors. Not clients. Not reporters. Police.The McLarens had made their move.They dragged him out in front of his own staff, cuffed like a petty criminal. The charge sheet was thick—market manipulation, wire fraud, abuse of client accounts. None of it should have stuck, but the evidence was damning, airtight.Too airtight.Because every document, every lead, every digital breadcrumb pointing to Darren had been fed there. Quietly, carefully. Tomas had slipped them into the system like a master puppeteer, all while Krystal watched with the patience of a woman who had rehearsed this play before.By the time Darren was thrown into an interrogation room, sweat beading at his temple, the news was already everywhere.“McLaren Stocks Collapse Amid Scandal.”“Billion-Dollar Dynasty Declared Bankrupt.”“Anonymous Sources Point to Darren Johnson’s Scheme.”The city buzzed like a hive.And in that chaos,

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 89

    Behind closed doors, Krystal kept her leash tight.Tomas and his team were already working in the shadows, weaving false leads and feeding Darren just enough “intel” to make him believe he was striking real blows. Every move he thought was his own was one Krystal had orchestrated weeks in advance.And slowly, she reeled him in.She let him stay the night more often now, sometimes on the couch, sometimes tangled in sheets he thought were a sign of affection instead of manipulation. She let him see her laugh at ridiculous TV shows, let him “discover” she hated watching horror movies alone, let him think he was peeling back the layers of the rich girl to find someone real, someone only he knew.It was all performance.Every coffee she brewed exactly the way he liked it, every smile timed to his victories, every sigh of “I feel safe when you’re around” was a string pulling him deeper.By the time Darren realized he couldn’t breathe without her, it would be too late.But Darren didn’t see

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 88

    The Anderson empire collapsed faster than anyone could have predicted.One week, Raven Anderson was pacing in smoke-filled rooms, plotting Darren Johnson’s ruin, rallying the remnants of his father’s contacts in Italy, and whispering with mercenaries about how many bullets it would take to end a man’s career.The next, his empire was on fire.It started with whispers: odd phone calls, quiet visits by men in dark suits who didn’t belong to his world of fast cars and penthouse girls. Then came the warrants. Tomas had pulled every lever Krystal instructed, feeding the authorities documents, account ledgers, and bloodstained trails of money that tied the Anderson family not only to illegal offshore accounts, but also to trafficking, weapons, and assassins for hire.The timing was perfect — and merciless.Police raided the Anderson offices. Politicians, who had once smiled at their cocktail parties, cut ties overnight. Reporters swarmed like vultures. And when investigators stormed the man

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 87

    Raven’s POVAnderson HQ was no calmer.The assassin had delivered proof — photos of Darren’s trashed apartment, the threats to his family. Raven should have been satisfied. Should have felt vindicated.But he wasn’t.He wanted more.He wanted Darren to suffer in ways money couldn’t measure. He wanted him humiliated, broken in public, crawling on his knees begging for forgiveness he would never get.Raven slammed a fist against his desk. “If that coward thinks hiding behind McLaren’s daughter will save him, he’s even dumber than I thought.”The thought of Krystal twisted his insides in a different way. Once, she’d been his — the girl who believed in him, who had stitched pieces of his pride back together. And now she was siding with Darren Johnson? Helping him?No.He’d ruin Darren, and when the time was right, he’d drag Krystal down with him.“Tell the assassin I want it public,” Raven ordered one of his men. “No more shadows. I want everyone to see what happens when you cross an Ande

  • The Billion-Dollar Payback Plan: She Woke Up Richer Than The   Chapter 86

    Darren’s POVBy the time I reached her penthouse, my nerves were shredded. My shirt stuck to me with sweat, my throat was dry, and my eyes kept darting over my shoulder like a hunted animal. Because that’s what I was.The doorman looked startled when I barged in at nearly 3 a.m., muttering Krystal’s name like a prayer. I didn’t even care about appearances anymore. I needed her. Needed her to anchor me before I lost my mind.When the elevator doors slid open to her floor, I half-expected silence. Darkness. Maybe even rejection.Instead, the double doors opened, and there she was.Krystal.Barefoot in silk pajamas, robe tied loose at the waist, hair falling in lazy waves. She looked like something soft and untouchable — not the sharp, cunning heiress I had pegged her as.And for a second, my chest tightened.“Darren?” Her voice was a blend of surprise and sleepiness, though something in her eyes flickered quick. “What happened to you? You look like hell.”I tried to laugh, but it came o

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