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"You need to shut up baby. Let me take care of your needs. Can you do that for me?" He unzipped my dress, as it falls freely down to the floor. ***** The lifestyle is not for everyone. That was the first warning that she got from the woman.  She's in need of cash. Her parents suddenly got a divorce. Leaving her to struggle with her financial education alone.  She never imagined at the end of her college years to be like this. Gone was the lifestyle that she used to have. The best friends, and even the boyfriend. She jumped at the first chance to be a sugar baby. Because deep down she knew that she needed the money, that it would be over in a year. Then she can find a job and move on with her life.  ***** He never needed a girlfriend. They're always too needy for his time. And time was the one thing that he treasured.  He's a workaholic. He likes the arrangement of a sugar baby where he can pay a sum of money for a companion of a young attractive woman.  His friend actually suggested the idea. With the last sugar baby being too attached to him. It's time for him to find another one. A less demanding one. ***** Will he get what he paid for? *Warning! R-Rated for 18+ due to strong, explicit language and sexual content*.

The night before our wedding, my mother needed a fifty-thousand-dollar emergency deposit for surgery. I went to my fiancé, Major Adrian Hayes, hoping he would listen before it was too late. He only saw the number. He paid the deposit in the end, but something between us broke that night. That money became the beginning of every name he would ever use against me. After that, every time I asked him for help, he sent me one hundred dollars. When I was in a car accident, he sent one hundred dollars. When I begged him to attend my mother’s funeral, he sent one hundred dollars. Eight months ago, I found out I was pregnant. I sent him seventy-seven voice messages, desperate to tell him we were having a baby. He never listened. He only sent seventy-seven payments of one hundred dollars. Later, when I started bleeding and was rushed into emergency surgery, I called Adrian and begged him to come to the hospital, to answer the doctors, to save our child. He sent one hundred dollars again. At the same time, Madeline’s Instagram story showed Adrian in his dress uniform beside her at a lavish officers’ charity gala. The comments all treated them like the perfect match. I stared at the screen until my hand went numb. I was begging for him from the edge of an emergency room while he stood under chandeliers beside another woman, looking as if he had already found the wife he wanted. By the time Adrian finally turned his phone back on, his staff officer’s voice was shaking. “Major Hayes... your wife and the baby did not make it.” And in that moment, Adrian went feral.

After I remarry my wife, Vivian Crowell, I decide to rent her out to other men. When her male best friend, Elliot Everhart, summons her away from me, I no longer kick up a fuss about it. Instead, I charge Vivian by the hour. The rent is 10 thousand dollars per hour during the day, whereas it'll be 20 thousand dollars per hour at night. If it's a holiday, all prices will be tripled. After running my new business for three months, I now have an additional 20 million dollars in my account. Although Vivian has promised to pick out my suit for the banquet with me, Elliot calls her and complains about how he's nicked his finger with a knife when he was cutting vegetables. I don't even bother raising my head as I hand my bank account number over to Vivian. One midnight, I suddenly suffer from a fever. When Vivian is driving me to the hospital, Elliot calls her and claims that he can't sleep due to discomfort caused by his intoxication. I merely pull out my umbrella fluently and tell Vivian to drop me off at the junction ahead. Upon noticing her hesitation, I just smile at her. "Don't forget to transfer the payment to me." On the day our son, Victor Carrington, is going for his regular follow-up appointment, Elliot calls Vivian once again. "Eleanor wants to go to the amusement park. It'll only be fun when we have a woman to accompany us there." After Vivian ends the call, she turns around and is about to crouch down to explain everything to Victor when she sees him mimicking my actions by sticking out his hand at her. "It's fine, Mommy. You can just pay us. But today's rate is the triple kind."

I managed to secure a VIP seat for my favorite idol's concert. Just as I followed the staff to my seat and was about to sit down, a woman walked up from behind and plopped herself right into my spot. "This view is the best. I'm taking this seat." I looked at her and felt speechless. "Miss, that's my seat. Please move!" To my surprise, she pulled out a stack of cash from her bag and tossed it at me. "If you're broke, don't try to act like a fan. I'm buying this spot from you. Take the money and get lost!" When I didn't move, she sneered, "I'm the secretary to Mark Lawrence, CEO of Lawrence Group. In Jericha City, everyone knows the Lawrence family. Don't push your luck!" Mark? Wasn't he the man my dad engaged me to? I immediately retrieved my phone and called him. "Your secretary is out here throwing her weight around. She stole my concert seat. You owe me an explanation for this!"

My father loved silence. He believed noise was the mark of lesser people, so he installed a decibel meter in our home. Speaking above 40 decibels meant that we would have to pay him 10 dollars, laughing above 60 decibels meant 50 dollars, and crying or throwing a tantrum was a serious offense at 100 dollars per second. The year I turned four, I fell and broke my arm. I did not make a single sound. I bit down so hard that I cracked two teeth, but I saved thousands in noise fees. He praised me for it and called me a "high-value child," one that was worth the investment. I treasured that compliment and observed the rules carefully, keeping the house wrapped in suffocating silence. Then came the stormy night a thief broke in. He had a knife and was creeping toward my mother as she slept, and I watched it all from the gap in the wardrobe where I was hiding. I wanted to scream. I wanted to shriek and wake my father, to do something, anything. However, my eyes drifted to the decibel meter on the wall, and my hand found nothing but an empty pocket. I did not have enough allowance. One scream would cost hundreds, and I simply could not afford it.

Isla Bennett survives on poverty math and a meagre $14.22 bank balance until Gabriel Hunt, the ruthless, intelligent CEO known as The Debt Collector, acquires her $250,847.36 inheritance debt and forces her into a clinical, eighteen-month contract marriage. Told through an alternating first-person POV, this dark romance and financial thriller exposes the cold utility assessment behind a billionaire’s search for an asset chosen specifically for maximum compliance. In a world where finance is a weapon and boardrooms are battlefields, Isla is dragged into a thirty-year revenge plot against the Black Swan, a price-fixing syndicate that murdered her father in 1988. As Gabriel deploys mafia-style tactical teams and extraction protocols to protect his interests, Isla begins a weak-to-strong transformation. She evolves from a waitress who feels like breathing, walking furniture, into an interim CEO capable of executing the hostile absorption of forty-seven companies to dismantle her enemies. Behind the silk dresses and staged performances of a perfect couple lies a lethal game of medical hostage taking and manufactured stress tests designed to prove whether she is Option Zero, the only variable that will not break. From the glass towers of Manhattan to the remote Morrison Estate, the bought variable must choose between the $4.7 billion profit of a ghost and her own sovereignty.