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

Chapter 2

Chapter 2 — Mother-in-law Took My 3 Million Yuan, I Made Her Pay It Back Double

Updated 10/08/2026 6 min read

The next morning, I deliberately woke up early and made a hearty breakfast for Lam Hao Nhien.

“Wow, why is today so grand?” he asked smilingly while eating fried eggs.

“Nothing, just wanted to treat you a little better.” I smiled gently, "Oh right, yesterday mom said she wasn't feeling well, I wanted to take her for a check-up."

“General examination?” Lam Hao Nhien put down his chopsticks, "Mom has always been fine, why did she suddenly go to the doctor?"

"As adults, regular check-ups are necessary. Besides, mom worries about us so much, as children we should also care about her health."

“You're right.” He nodded, "Then you can arrange it, I'll pay the money."

"No need, I can pay. A general check-up doesn't cost much, just a few thousand yuan."

"How can that be, honoring your mother is your responsibility."

I looked at his serious face and felt cold inside. Honor your mother? So what is the 3,000,000 yuan yesterday?

“Okay, then I'll pay.” I replied obediently.

After Lam Hao Nhien went to work, I immediately started my plan. First of all, I have to find proof that my mother-in-law took my money. Even though the money was transferred from my account, if it can be proven that she secretly manipulated it, at least morally I will still stand firm. I remembered the situation at the hospital yesterday. At that time, she always held my phone, saying she was helping me answer work messages. But in reality, yesterday there were no messages in my work group. That means she lied. So what did she end up using my phone for? I opened the operation history on my phone and carefully reviewed the time spent yesterday afternoon. From 3:35 p.m. to 3:45 p.m., banking application usage was recorded. But at that time... the phone was in the mother-in-law's hand. More importantly, I discovered one detail. Normally my banking app uses fingerprint to log in, but yesterday's log showed password login. That proves that the operator... is not me. Because I almost never enter the password. Next, I need more evidence. I suddenly remembered that my mother-in-law often gossiped with her card-playing friends, and did not hold back when talking. If she really took my money, she wouldn't be able to help but brag about it. I called Ms. Vuong — my close friend and neighbor.

"Nhu Yen? What are you calling me so early in the morning?"

"Miss Vuong, I want to ask you something. Did you meet my mother-in-law yesterday?"

"Yes. Last afternoon she played cards downstairs with the other ladies. It was so much fun. She kept saying she had something good to announce."

My heart clenched.

“What did she say?”

"She said she was a filial daughter-in-law and gave her a few million yuan in one go, enough to buy a big house. She also said she would buy a house and a car for her youngest daughter as a dowry."

Several million yuan. Youngest daughter. I immediately understood. Mother-in-law's youngest daughter - Lam Tu Tu, Lam Hao Nhien's younger sister, 25 years old this year, is preparing to get married. Turns out she took my money... to make her dowry.

“Sister Wang, did she say anything else?”

"You said your daughter-in-law volunteered to give it, and praised you for your understanding. By the way, Nhu Yen, did you really give your mother-in-law that much money?"

I smiled bitterly.

“What do you think?”

"It's not convenient for me to say much about you and your husband. But Nhu Yen, women are still women You should keep your retreat."

“I understand, thank you.”

Hanging up, I immediately called Lam Tu Tu.

“Sister-in-law? Why did you suddenly call me that?”

Her voice was filled with excitement.

“Tu Tu, I heard you're getting married, congratulations.”

“Thank you sister-in-law! Oh yeah, mom told me to prepare a dowry for you, I'm really grateful!”

“What dowry?”

“That house, along with the car. Mom said I took the initiative and said that as a sister-in-law, you must love your sister."

My hand tightened on the phone. 3,000,000 yuan... to buy a house and a car?

“Tu Tu, do you know which house it is?”

“That new area next to the shopping center, mom said I paid a deposit and signed the contract next week. The BMW has also been ordered.”

I know that area. The price is more than 20,000 yuan per square meter, an apartment is at least 2,000,000 yuan. Plus the BMW… fits 3,000,000 yuan. Turns out my money... was spent like that. Buy a house and car for your brother-in-law as dowry. And I - the one who really paid - was completely blindsided.

“Sister-in-law, you are really good! I will definitely repay you later!”

Her voice was filled with gratitude.

“Tu Tu, this matter… have you told Hao Nhien?”

“Not yet. Mom said don't tell me for now, just to make it a surprise."

What a “surprise”. A surprise enough to make Lam Hao Nhien dumbfounded.

“Yeah, so just keep it a secret.”

“Don't worry sister-in-law, I won't say anything.”

I paced back and forth in the living room. The truth is clear. My mother-in-law took advantage when I wasn't paying attention and used my phone to transfer 3,000,000 yuan. Then use that money to buy a house and car for my daughter. I also announced to the outside that... I voluntarily gave it. Even Lam Hao Nhien didn't know it. A perfect "money-grabbing" plan. If I hadn't checked my account, I probably wouldn't have found out for the rest of my life. But even if discovered... it would be very difficult to prove. Because the money is literally from my account, from my own phone. But she underestimated me. She could trick me. Then I... also have a way to trick her. If she dares to take my money, I will make her give it up — both capital and interest. I picked up the phone and started my counterattack plan. First, I texted her: 【Mom, I'm taking the day off today to take you to the doctor for a check-up. When do you think it's convenient?】 Very quickly, she replied: 【Can't do it today, mom is busy. Another day.】 Definitely busy looking at houses and signing contracts. I continued: 【That's it. Oh mom, how are you going to use the money Hao Nhien gave you yesterday?】 This time she answered even faster: 【I made the arrangements myself, you don't need to worry.】 I smiled coldly. Self-organized? Arrange to buy a house and car for your youngest daughter? 【Mom, actually I have an idea. If mom has spare money, should I invest something? My friend does business, the profits are very high.】 【Investment? What to invest?】 The fish has taken the bait. 【Equity investment. Your company is about to be listed. If you invest capital now, it will at least double in a year. 3,000,000 yuan becomes 6,000,000 yuan, a rare opportunity.】 The phone immediately rang.

“Nhu Yen! How do you know it's 3,000,000 yuan?”

Her voice was clearly panicked.

“Eh? I'm just talking nonsense... isn't it 3,000,000 yuan?”

“This… anyway, mom has already arranged the money, no investment.”

“Mom, don't you believe me? My friend is very reputable, she invested 5,000,000 yuan, dividing several hundred thousand in profit every month."

"Really?"

“Of course it's true. If mom doesn't believe, can meet directly.”

She was silent for a moment:

“That… let's talk about it another day.”

"Yes. But opportunity waits for no one, my friend said I could only hold it for a maximum of one week.”

Hanging up the phone, I nodded slightly. The seeds of greed… have been sown. The next thing is to wait for it to take root.

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