How To Shame Someone Who Owes You Money

To afford train tickets home for New Year's Eve, I searched for a part-time job and stumbled into a livestream that was practically throwing money at the chat. A young woman in a silk robe rested her chin on her hand. Behind her, a villa glowed under expensive lighting that reflected off polished marble floors. "Being kept in here is suffocating," she said in a voice that mixed boredom with sweetness. "My sponsor gives me more money than I can spend. Help me out. Take some off my hands." Cash drops flashed across the screen one after another. I tapped as fast as I could, my heart hammering. A few large ones landed in my account. I was close. One more would cover both my ticket and my boyfriend's. The streamer leaned closer to the camera. "He keeps saying my tear mole looks like his girlfriend's," she said, her mouth twisting with disgust. "So unlucky. Of all things, I had to match with some broke girl." My finger slipped. I had a tear mole under my eye in the same spot. The live chat flooded with questions. [How is the sponsor's girlfriend broke?] The streamer gave a short snort and reapplied her lipstick, as if correcting a minor flaw. "He's just messing around. He tricked her into 200,000 dollars in debt. She's so stupid she works multiple jobs to help him pay it off." A chill settled in my chest. My boyfriend also owed 200,000 dollars. She continued, her tone light, "The funniest part? He slept with me for three days. When he left, I asked if he was giving her a taste of honey." She smiled cruelly. "He said all he has to do is claim he's going to work a construction site hauling rebar. The idiot will feel guilty and deliver food all night. So he won't need to please her." Another large cash drop flashed across the screen. The total reached the exact amount I needed. My phone rang. Benjamin's name lit up the display. When I answered, his voice sounded worn down, as if it had scraped against concrete. "Via, we still don't have enough for the tickets," he said. "I hauled rebar and made a little over 40 dollars. I'm heading home now."

The SAT results have been released, and my younger brother, Alvin Bellamy, got a score of 1400. To celebrate his achievement, I set aside my usual frugal habits and throw him a party. Amid the lively cheer, he suddenly says, "Sandy, I'm legally an adult now. It's time for you to give me Mom's life insurance payout, yeah?" I shake my head in response, but just as I'm about to explain why, he flies off the handle. "I've had enough of the pressure of studying in this country! I didn't even bother applying to any colleges, and the application deadlines have closed, so I'll be stuck attending a community college. If you don't want to ruin my future, you have to give me the money so I can study abroad instead!" Feeling disappointed and disheartened, I transfer Alvin 5,000 dollars on the spot. However, he assumes I'm keeping the lion's share of the money to myself. Not only does he threaten me in front of everyone, but he even teams up with our biological father, who cheated on our mother many years ago, to spread lies about me. "You've been hoarding all of our dead mom's life insurance payout, living it up this whole time while refusing to give any of the money to me, your own brother! What did I do to deserve a sister as vicious as you?" Looking right into the eyes of the nasty ingrate I've doted on for over a decade now, I scoff and throw out a pile of invoices. "Where do you think the money that's been spent on you all these years came from? In fact, if we're going to settle the score properly, you owe me 580 grand."

My wife, Alisha West, has always been obsessively frugal. After marrying her, my single guilty pleasure became blowing money on luxury watches—almost like revenge for how absurdly tightfisted she was. By the time our daughter, Elyse Day, turned 7, she had inherited every bit of her mother’s penny-pinching nature. The two of them looked completely out of place in our sprawling mansion. And I loved it. I’d slip into my latest custom-tailored suits and watch them wince at my credit card statements, their expressions twisted in quiet pain. Until one day, lines of floating text suddenly appeared before my eyes. [This spendthrift idiot is still shopping? Doesn’t he know his wife’s company is about to go bankrupt?] [She’s been drained dry supporting this parasite. Her T-shirt collar is practically worn out from washing. Good thing the financially savvy male lead is about to show up and save her.] [Can’t wait for Alisha to file for divorce and kick this useless freeloader out. Let’s see how he survives fighting stray dogs for scraps under a bridge.] I slammed the limited-edition Richard Mille watch onto the table. Alisha, who was crouched on the floor breaking down delivery boxes for recycling, and Elyse, who was helping stomp them flat, both jumped in shock. A chill ran through me. I lunged forward, snatched the battered cardboard box from Elyse’s hands, and held it tightly against my chest. "No… no more buying. I’m returning this watch. "And these boxes… don’t sell them. I think we might need them someday… to lay out under a bridge when we’re sleeping outside…"

I've just finished collecting rent from a building when Mom calls me on the phone. She tells me that the Jensens' estranged real heiress, Sienna Jensen, has finally reunited with them. I pack up my account ledgers immediately before heading over to attend Sienna's welcome home party. But as soon as I reach the gate, my car is stopped right outside. Apparently, I'm not allowed entry into the Jensen residence. Hatred crosses Sienna's eyes when she spots my car. "You're nothing but a thieving impostor! How dare you make a flashy appearance while driving a car that belongs to my family!" I take a deep breath and explain coolly, "This is my car. I don't know what you're talking about." The next thing I know, Sienna grabs a ledger and hurls it at my face. She screams at me, "You used my family's money to buy this car, and yet you have the gall to claim that it's yours? "I'm my mother's actual child, and yet you've leeched all the good things from my family, you filthy bitch! I'll have you know that the hardships that Mom went through for nine months of pregnancy will be converted into a maternity fee of a million dollars! Now hurry up and transfer the payment to Mom's bank account!" I merely sneer at Sienna before pulling out my phone and calling her mother, Molly Dawson, "Your daughter demands that I give you a million dollars' worth of maternity fees. Do you even have the guts to accept the payment?"

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.

I had special luck that would cause others to lose their money. If anyone tried to scam my money from me, they would suffer financial loss. When I was in elementary school, a female classmate stole five dollars from me to buy a snack. The next day, her father suffered a fifty-thousand-dollar loss in his business deal. When I was in high school, my homeroom teacher withheld my prize money. The next day, his wife got into a pyramid scheme, and he lost his house because of it. After I started working, I encountered my extremely snobbish boss, Fiona Anderson. I submitted a claim for five thousand dollars, which I had paid in advance for a company event. However, she refused to approve the claim for three months. As for the rich intern who drove a luxury car, she would immediately approve his claims with a huge smile on her face, even though he would submit fake receipts. I urgently needed to pay my credit card bill, so I went to talk to her. Fiona pointed at me and snorted. “Poor men like you always try to covet the company’s money! “How dare you ask me for money? You must be out of your mind!”