Tokyo, 1991: Starting as a bank clerk.

“I went to the consumer finance department, and they said I’m currently unemployed and can’t borrow any more money.”

“I went to the bank, and you said I have no income and can’t get a loan.”

Yuki Matsushita raised her eyes and looked directly at Yaya Kiryu.

"Then tell me."

"An 18-year-old girl in her wandering phase, unemployed, with no income, owing three million, still wants to go to university..."

What should she do?

When she uttered the last word, her voice already had a noticeable nasal tone.

But she still didn't cry.

Tears welled up in her eyes, but she refused to let them fall.

Kiryu Yaya looked at her, his brows furrowed for a long time.

Then he asked:

What kind of job do you do?

Yuki Matsushita was taken aback.

I probably didn't expect him to ask that.

"convenience store……"

"Hourly wage?"

"Nine hundred..."

Kiryu Yaya did a quick mental calculation.

My monthly income is 50,000 yuan, and I have to work more than 50 hours a month.

Do your parents know about your situation?

Yuki Matsushita's expression changed instantly.

She paused for a few seconds before speaking:

"My mom... doesn't care about me."

Where is your father?

"died."

Kiryu Yaya glanced at her but didn't ask any further questions.

Yuki Matsushita turned her face away, looking at the street lamp that was flickering at the end of the alley.

"My dad died when I was a sophomore in high school."

"Car accident."

"The other party was fully at fault, but they didn't have any money either. The insurance paid out a little, enough for the funeral."

"My mom changed completely after my dad died."

"First she resigned, and then she started dating different men."

"Later, she brought a man home to live with her."

"I don't want to stay in that house."

Kiryu Yaya remained silent for two seconds.

"Those debts, did you borrow them yourself?"

Yuki Matsushita shook her head.

"It wasn't like that at first."

"It was my mom's credit card at first."

She said she was short of cash and asked me to sign a few papers for her. She said she would pay me back next month.

"later……"

"Later she stopped paying it back."

"……Correct."

How much did you owe at the beginning?

"More than a million euros."

"So, did your mother send you to Osaka because you took on her debts, or because you were in debt yourself?"

Yuki Matsushita finally turned to look at him.

There was something in her eyes that was hard to describe.

"All."

She said I was a burden.

“He said I was in Tokyo, which prevented her from starting a new life.”

Her lips twitched slightly, neither a smile nor a frown.

"Then they sent me to Osaka."

“My grandmother was a kind person and took me in.”

"But she doesn't know how much money I owe."

"She thought I just failed to get into university in high school and wanted to repeat a year in Osaka."

"You didn't tell her?"

"Why tell her?"

Yuki Matsushita's voice suddenly lowered.

"How much money could an old woman like her make living off rent from a few old apartments?"

"and……"

She paused for a moment.

I don't want her to know.

Kiryu Yaya pondered.

If what Yuki Matsushita said is true, then the bulk of those three million euros was not simply from luxury spending.

At least one million of that money was a debt her mother passed on to her through credit cards and loan documents.

What remains are interest, tutoring fees, living expenses, and debts that slowly accumulate in order to maintain the illusion that she can "handle it all."

As for his initial idea of ​​"overspending," it may not be entirely accurate.

Her LV bag was old.

Although the watch, earrings, and sneakers are designer brands, they all show obvious signs of wear.

These items were probably purchased while she was still in Tokyo.

Back then, her father was still alive, her family hadn't completely fallen apart, and she was probably just an ordinary high school girl who would go shopping on weekends, buy bags, and compare outfits with her friends.

Later, my father died.

My mother has changed.

The debt snowballed.

She was sent to Osaka.

Those things that once belonged to "ordinary high school girls" have become these ridiculous remnants.

Wearing an old designer bag, sitting at the entrance of an old apartment, holding tutoring materials, and owing three million euros.

Once the interest on consumer finance starts to snowball, three million euros will soon become an insatiable hole.

But ultimately, these things have nothing to do with Kiryu Yaya.

Asking him to pay off the girl's installments with 100,000 yuan is absolutely impossible.

Don't say he has no money now.

Even if he had the money, he wouldn't do that.

Debt problems can never be solved by simply "paying out a sum of money first".

If the hole isn't plugged, this 100,000 is just like scooping a ladle of water into a leaky bucket.

Just then.

The semi-transparent system interface reappeared before my eyes.

[New life options have been triggered]

Burdened with three million euros in debt, Yuki Matsushita is being pushed into a corner by her life as a ronin (a woman living as a wanderer), cram school fees, and consumer finance interest.

She asked you for help, but you know very well that what's worse than the debt is continuing to hide it.