Mother-in-law Took My 3 Million Yuan, I Made Her Pay It Back Double
6 min read

Chapter 1

Chapter 1 — Mother-in-law Took My 3 Million Yuan, I Made Her Pay It Back Double

Updated 10/08/2026 6 min read

Balance: 12.34 yuan. Just a day ago, there was 3,000,000 yuan left in the account. A message popped up like a knife stabbing into reality: the money had been transferred — to the mother-in-law's account. At that moment, I understood... there are relatives who are the most cruel. My mother-in-law secretly transferred 3,000,000 yuan to buy a villa for my brother-in-law. The moment I opened the banking app, my whole body froze. Balance displayed: 12.34 yuan. Yesterday there was still 3,000,000 yuan in the account, but now there's only this pitiful little change left. The phone vibrated, a message popped out: 【Congratulations on successfully transferring 3,000,000 yuan to account extension 8888】 My hands began to tremble. The extension 8888... is the account of her mother-in-law, Trieu My Ngoc.

"Nhu Yen, what's wrong with you? Your face looks so bad?"

Lam Hao Nhien walked out of the kitchen, holding a bowl of snow ear soup in his hand. I tried to swallow the anger that was rising like a wave, forcing my voice to calm down:

“Nothing, just a little tired.”

“Then you should rest early, I'll go out and work a little overtime.”

He spoke lightly, not even a sad look for me. As soon as the door closed, I immediately called the bank switchboard.

“Hello, how can I help you?”

“I want to check my transaction history today. My account was hacked.”

“Yes, please wait a moment… The results show that at 3:42 p.m. this afternoon, there was a transfer transaction of 3,000,000 yuan, made via electronic banking, authenticated by SMS code.”

I was stunned. SMS confirmation code… That means it could only be me doing it myself, or someone else took my phone. But the phone... is always next to me... A thought suddenly flashed, I rushed into the bedroom, flipped open the nightstand. Right next to the phone charger, there is a small piece of paper. On it, each neat handwriting clearly states: my bank card password and my phone unlock password. It's my own handwriting. Previously, because I was afraid of forgetting, I conveniently wrote it down. Unexpectedly... it became a knife given to others to cut themselves. The details of this afternoon began to come back. My mother-in-law said she wasn't feeling well and wanted me to go to the hospital with her. When she went out, she said she forgot her wallet, took my phone, and said she might need to contact the doctor on the way. At that time, I was not on guard and immediately gave it to her. During the two hours at the hospital, she kept holding my phone, saying she was helping me reply to work messages. As for me... I just worried about following her through the procedures, completely ignoring her every little action. 3,000,000 yuan. That's all my savings over the years. It's a deposit to buy a house. It's the future that Lam Hao Nhien and I once drew together. Yet in just one afternoon... everything was swept away. I took a deep breath and dialed my mother-in-law.

“Nhu Yen, you still called your mother this late, do you miss her?”

Her voice was so cheerful it made me nauseous.

“Mom, I want to ask you something.”

“What's going on?”

“3,000,000 yuan is missing from my account… do you know about this?”

The other end of the line... was silent for a few seconds.

"Nhu Yen, what do you mean? What three million? I don't understand."

“Account extension 8888, received a transfer of 3,000,000 yuan this afternoon.”

“Ah… that…” her voice clearly began to become confused, “that was… given by Hao Nhien, It is said that money is filial to honor one's mother."

“Hao Nhien gave it?” I laughed coldly, "Where did he get 3,000,000 yuan?"

“This… you have to ask him, I don't know. Anyway, he took the initiative to give me the money, my mother didn't ask for it."

I know she's lying. Lam Hao Nhien's monthly salary is 15,000 yuan, excluding expenses, saving 100,000 yuan a year is already good. 3,000,000 yuan? What did he give? Unless it's my money.

“Mom, please give me my money back.”

“What should I pay for? This is money for Hao Nhien to honor his mother, why should he pay it to me?

Her voice suddenly became full of reason.

“Besides, isn't both of your money the same family's money? Giving to whom is not giving?

“But it's my money…”

“My money?” Her voice rose high, "Nhu Yen, what you said is not right. I married into the Lam family, the money I earn is of course the Lam family's money. Besides, Hao Nhien's foster mother is this old, how about using some of your money?"

I was so angry that my hands were shaking.

“Mom, that 3,000,000 yuan is the money I plan to buy a house…”

“Buy a house? Don't you two already have a place to live? What else can you buy?"

“That house is rented, is it possible to rent it forever?”

“Renting a house is good, less trouble. Buying a house requires paying debt. I just want the best for you two."

I took a deep breath, trying to stay calm.

“So what do you plan to use that 3,000,000 yuan for?”

“This… this…”

She hesitated for a moment, then finally said frankly:

"Anyway, the money is very safe with me, so don't worry."

After speaking, he hung up the phone. I sat on the edge of the bed, my mind blank. 3,000,000 yuan. Just like that it disappeared. Even being taken away by his closest relatives. I used to think that after marrying into the Lam family for three years, even though my mother-in-law was a bit imposing, she still generally considered me a member of the family. Unexpectedly... she could do this. The phone rang, it was a message from Lam Hao Nhien: 【Wife, I'll be home late tonight, please sleep first.】 I answered: Then turned off the phone, lay down on the bed, and started planning the route. Report to the police? But the money was transferred from my own phone, and the password was also recorded by me. Legally, it is very difficult to prove that it was stolen. Looking for Lam Hao Nhien? With how much he defends his mother, he sometimes even turns to advise me to "sympathize". Directly ask for money from your mother-in-law? Her attitude just now was too obvious, there was no way she would take the initiative to pay. I closed my eyes and old details gradually appeared. My mother-in-law always accidentally or intentionally asks about my income. Always praise me for being "good" and "knowing how to make money". Always implying that I should "respect my elders". Turns out... she had been targeting my money for a long time. As for me, stupid and defenseless. No way. I can't let this go. 3,000,000 yuan, five years of savings, is all my hope. I definitely have to get it back. If she can use tricks to get my money, then I have my own way to get it back. Furthermore, I have to let her know... Lieu Nhu Yen is not the type of person to be easily bullied.

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