PART5
“Like what?”
She hesitated.
“My apartment. My car. Clothes. Credit cards.”
I felt my stomach tighten.
“You told me you couldn’t afford groceries.”
“I know.”
“You told me you were going to lose your apartment.”
“I know.”
“You said you were going to pay me back.”
She closed her eyes.
“I know, Rion.”
I leaned forward.
“Then why did you keep doing it?”
She began crying again.
“Because every time I thought about telling you the truth, I imagined how disappointed you would be. And then I thought about how much I had already taken. I was scared that if I stopped asking for help, I would have to admit what I had done.”
I looked at her.
“You were more afraid of losing your image than losing your family.”
She didn’t answer.
And that silence was enough.
I stood up and picked up my bag.
Belle looked frightened.
“Are you leaving?”
“Yes.”
“Rion, please. Don’t let this be the last time we talk.”
I looked at my sister.
It was strange.
For years, I had imagined what it would feel like if Belle finally apologized.
I thought I would feel relieved.
I thought I would hug her.
I thought everything would suddenly make sense.
But standing there, I realized an apology couldn’t return the years I had spent worrying about someone who had been lying to me.
It couldn’t put thirty-eight thousand dollars back into my savings.
It couldn’t erase the loan application.
And it couldn’t make me trust her again.
“I don’t want this to be the last time we talk,” I said quietly. “But I need it to be the last time you expect me to save you.”
She nodded.
“I understand.”
I wasn’t sure she did.
But that was no longer my responsibility.
I picked up my coat.
Before leaving, I turned toward the kitchen.
The cake was still sitting on the counter.
A few slices had been eaten.
Mom had wrapped the remaining pieces in foil.
She handed the container to me.
“Take some home,” she said.
I smiled faintly.
“Thanks, Mom.”
Then I walked outside.
The snow had stopped.
The street was quiet, and the Christmas lights glowed against the darkness.
For the first time in years, I drove home without wondering whether Belle would call me the next morning asking for money.
I didn’t know what would happen to her.
I didn’t know whether she would ever repay me.
I didn’t know whether my parents would forgive her.
But I knew one thing.
I wasn’t going to disappear into someone else’s problems anymore.
And that was enough for one Christmas night.
The morning after Christmas, I woke up to seventeen missed calls.
Eleven were from Belle.
Four were from Mom.
Two were from Dad.
For a few seconds, I simply stared at my phone.
The old version of me would have called Belle immediately. I would have worried that something terrible had happened. I would have wondered whether she needed money, whether she was crying, whether she was safe.
But that morning, I made coffee, opened the curtains, and let the sunlight into my apartment.
Then I checked the messages.
The first one was from Mom.
Sweetheart, please call me when you wake up. Your father hasn’t slept. We need to talk about something.
The second was from Dad.
Rion, I want to apologize for not seeing what was happening. Please don’t think we don’t care about you.
The remaining messages were from Belle.
They started with apologies.
Then came explanations.
Then came requests.
By the last message, she was asking whether I could send her $2,000 to cover an overdue credit card payment.
I read it twice.
Then I put my phone down.
Even after everything that happened the night before, she was still asking.
I wasn’t angry anymore.
I was simply beginning to understand that some people didn’t change just because the truth had finally been exposed.
Sometimes, they only changed their approach.
I finished my coffee before calling Dad.
He answered immediately.
“Rion?”
“Morning, Dad.”
“Thank goodness. I’ve been trying to reach you.”
“I’m okay.”
He was quiet for a moment.
Then he said something I wasn’t expecting.
“Your mother and I want to come over.”
I looked around my small apartment.
“Is something wrong?”
“No. We just want to talk. There’s something we should have told you a long time ago.”
My stomach tightened.
“What is it?”
“It’s about your sister.”
I closed my eyes.
“Dad, I don’t want to hear another request for money.”
“It isn’t that.”
He paused.
“Please, sweetheart. Just let us come.”
An hour later, Mom and Dad were sitting on my couch.
Mom held a small handbag in her lap. Dad had brought a folder of his own.
He looked exhausted.
“Before we talk about Belle,” he said, “I want to tell you something.”
I sat across from them.
“Okay.”
Dad opened his folder.
Inside were copies of bank statements, withdrawal records, and several pages from the financial institution that managed his retirement account.
“I contacted the bank yesterday morning,” he explained. “I wanted to understand exactly what happened.”
He took a breath.
“The twenty thousand dollars Belle mentioned wasn’t the only withdrawal.”
I felt my chest tighten.
“What do you mean?”
“There were two withdrawals. One for twelve thousand and another for eight thousand.”
I nodded slowly.
“That’s twenty thousand.”
“Yes. But there was also a separate transfer of five thousand dollars from an account your mother and I used for household savings.”
Mom looked down.
“We didn’t notice it immediately because Belle told us she was helping arrange some online financial services for us.”
I stared at her.
“What?”
“She said she could help us get better returns,” Mom whispered. “She said she had learned a lot about investing.”
Dad shook his head.
“We trusted her.”
I leaned back.
“So she was managing your accounts too?”
“Not exactly,” Dad said. “She had access to some information, and we allowed her to help us with a few things. We should never have done that without understanding what she was doing.”
I looked at the papers.
“Did she lose that money too?”
Dad nodded.
Then he said something that made my stomach drop.
“There’s another problem. The bank told me someone had attempted to apply for a personal loan using information connected to our family.”
I stared at him.
“Was it Belle?”
“They’re investigating.”
Mom reached for my hand.
“We don’t want you to get involved in another financial problem, sweetheart. That’s why we came.”
For the first time, I understood that my parents were no longer asking me to help my sister.
They were asking me to protect myself.
And that difference meant everything.
Dad spent the next hour explaining what he had discovered.
He had contacted the bank, secured his accounts, changed passwords, and arranged for additional verification before any future withdrawals.
He had also contacted the lender mentioned in the documents I had shown him.
I told him about the false guarantor signature.
He listened carefully.
Then he said, “You need to protect your own credit and make sure the lender understands that you never authorized that application.”
“I already contacted them,” I said. “They told me to submit a written dispute.”
“Good. Don’t sign anything Belle gives you. Don’t agree to anything verbally. Keep copies of everything.”
I nodded.
Mom looked at me with tears in her eyes.
