Chapter 8: The Money They Never Wanted Me to Know About
I stared at the document.
A trust.
My mother had established a trust in my name?
I looked toward Dad.
He appeared just as confused as I was.
"What kind of trust?"" he asked.
Adrian carefully removed the document from the notebook.
"A small educational and creative development trust. Eleanor established it with the proceeds from several private design commissions and a life insurance settlement.""
I frowned.
"How much money?""
Adrian looked at the document.
"The original balance was approximately $180,000.""
I stopped breathing.
Dad pulled out a chair.
"What?""
Adrian continued.
"The money was intended to cover Nia's education, professional development, and living expenses while she established her career.""
I stared at him.
"Why have I never heard about this?""
Adrian looked uncomfortable.
"Because the trust was administered by a legal representative appointed after Eleanor's death. Your father was listed as your guardian, but he was not the sole administrator.""
Dad shook his head.
"Wait. I remember the insurance policy, but I thought the money had been used for household expenses.""
Adrian's expression became serious.
"According to the original records, the trust was supposed to remain separate.""
I felt cold.
"Who managed it?""
He pointed to a name.
I read it.
Vanessa Reed.
For several seconds, nobody spoke.
Then Dad stood abruptly.
"That's impossible.""
Adrian looked at him.
"Your wife was appointed as a temporary administrative contact after your marriage, but she was never granted authority to use the funds for personal expenses.""
Dad stared at the document.
"Vanessa told me the account had been closed years ago.""
Adrian frowned.
"Why would she say that?""
Dad had no answer.
I looked at the pages again.
There were references to withdrawals.
Several transfers.
And a statement indicating that the trust had been reviewed six months earlier.
"Where did the money go?""
Adrian shook his head.
"I don't have the complete financial records. We will need to contact the trustee's legal office.""
I felt sick.
"Could she have used it?""
He didn't answer immediately.
"That's something a forensic review will need to establish.""
Dad picked up his phone.
"I'm calling her.""
Adrian placed a hand on his arm.
"Not yet.""
Dad looked at him.
"She's been managing my daughter's money?""
"We don't know that for certain.""
"Then I want answers.""
Adrian nodded.
"You will get them. But please let the legal team handle the records first. We need to preserve everything.""
I sat down.
For years, I had been saving money from weekend sewing jobs.
I had repaired clothes for neighbors.
I had skipped school trips.
I had worn secondhand shoes.
And all that time, there might have been money my mother had deliberately set aside for me.
Money intended to make my future easier.
I looked at Dad.
"Did you know Mom wanted to leave me something?""
He nodded slowly.
"She told me she had arranged for your education.""
"Did you know about the trust?""
He looked devastated.
"I knew about the insurance policy. I didn't know the full arrangement.""
"Why didn't you check?""
He had no answer.
Adrian gently closed the notebook.
"Nia, you don't need to solve this tonight. The foundation's legal team will help you.""
I nodded.
But my mind was already racing.
That evening, Dad and I drove home separately from the auditorium.
I didn't want to return to the house.
But I needed my remaining belongings, and I needed the original sewing machine.
When we arrived, Vanessa's car was already parked outside.
The living room lights were on.
Brianna sat on the sofa.
Her competition makeup was still visible, although her eyes were red.
Vanessa stood beside the fireplace.
She looked at Dad.
"Where have you been?""
He didn't answer.
Instead, he placed a copy of the trust document on the coffee table.
"Explain this.""
Vanessa glanced down.
For the first time in years, I saw her lose control of her expression.
Only for a second.
Then she smiled.
"What is this?""
"Your name is on the trust administration records.""
Vanessa folded her arms.
"That was years ago.""
"Did you manage Eleanor's trust?""
She looked at me.
"Why is Nia suddenly interested in old financial documents?""
Dad stepped forward.
"Answer the question.""
Vanessa sighed.
"Marcus, this is ridiculous. I helped manage some paperwork when Nia was younger.""
"Did you use the money?""
"No.""
"Then why does the statement show transfers?""
She looked toward the stairs.
"Those were household expenses.""
I felt my stomach drop.
"Household expenses?""
Vanessa turned.
"Yes. Your father and I had bills. You were living in the house. You benefited from everything.""
"That money was for my education.""
"Don't be ungrateful.""
Dad's voice rose.
"Vanessa!""
She stared at him.
"What? Are you going to pretend you never benefited from that money?""
Dad looked stunned.
I stepped forward.
"How much did you spend?""
Vanessa laughed.
"I don't know. That was years ago.""
"Did you pay for Brianna's school?""
She didn't answer.
"Did you pay for her dance lessons?""
"Those things were part of raising a family.""
"Did you use Mom's money to buy her clothes?""
Vanessa's face hardened.
"Your mother was not the only person who contributed to this household.""
I stared at her.
"Then why did she leave the money specifically for me?""
Vanessa looked away.
Dad picked up the document.
"We're getting the records tomorrow.""
Vanessa's expression changed.
"You wouldn't.""
"I would.""
She walked toward him.
"Marcus, think carefully. You're going to destroy this family over paperwork?""
Dad shook his head.
"No. You did that when you decided my daughter wasn't entitled to her own future.""
Brianna stood.
"Mom, what is he talking about?""
Vanessa snapped.
"Sit down.""
Brianna didn't move.
"Did you use Nia's money?""
Vanessa turned.
"Don't interfere.""
Brianna looked at me.
Then she whispered, "Nia, I'm sorry.""
I didn't answer.
I was too tired to respond to another apology.
The following morning, Adrian connected us with a trust attorney named Helen Brooks.
She met us at a small office in Hartford.
She reviewed the documents, requested the original account records, and explained that the trust had been legally protected.
"Any withdrawals outside the terms of the trust could constitute a breach of fiduciary duty," she explained.
Dad looked worried.
"How long will this take?""
"That depends on the financial institution and the completeness of the records.""
Helen turned toward me.
"Nia, I want you to understand something. This money was intended to support your education and future. You are not asking for a favor by requesting an accounting.""
I nodded.
She continued.
"We've already requested the statements from the trust administrator.""
"Will we know where the money went?""
"Yes, if the records are complete.""
Three days later, we returned to her office.
A thick folder sat on the desk.
Helen opened it.
The first pages showed the original deposit.
The next showed regular administrative fees.
Then came the transfers.
I watched as she turned the pages.
"Here," she said.
She pointed to a transaction.
"Twenty-four thousand dollars transferred to a private school account.""
Dad leaned forward.
"Which school?""
Helen checked the details.
"Reed Preparatory Academy.""
Brianna's former school.
I felt my throat tighten.
Another transaction showed a transfer to a dance academy.
Another showed a payment for a luxury vehicle.
Another was linked to a home renovation company.
Helen continued.
"These transactions appear to have been made without the documented approval required under the trust agreement.""
Dad stared at the statements.
"How much?""
Helen turned to the final summary.
"Approximately $137,000 was transferred or withdrawn over several years.""
The room went silent.
I stared at the number.
One hundred and thirty-seven thousand dollars.
My mother's money.
My future.
Gone.
Helen continued.
"Some of the withdrawals may have been legitimate administrative expenses. However, the records indicate that a substantial portion benefited Vanessa Reed and her daughter.""
Dad stood.
"I'm going to confront her.""
Helen raised a hand.
"Please don't. We need to send a formal notice and allow the process to continue.""
I looked at the documents.
"Can the money be recovered?""
"Potentially. Some assets may be traceable, and certain transactions may be subject to recovery.""
I swallowed.
"How much is left?""
Helen turned the page.
"Approximately $43,000, including accrued interest and remaining investments.""
I closed my eyes.
At least something remained.
But the next page contained another surprise.
Helen tapped a line near the bottom.
"There is also a recent transfer request.""
Dad frowned.
"When?""
"Two weeks ago.""
"By whom?""
Helen looked at the authorization section.
"Vanessa Reed.""
I leaned forward.
"What was she trying to do?""
Helen read the note.
"Transfer the remaining balance to an account designated for a private educational expense.""
"Whose expense?""
She looked up.
"Brianna Reed's.""
Dad's face went white.
I stared at the document.
Two weeks ago.
That was after Brianna had stolen my dress.
After Vanessa had accessed my portfolio.
After she had started preparing the false competition application.
She had known the trust was being reviewed.
And she had tried to take the remaining money before anyone noticed.
Helen continued.
"Fortunately, the financial institution placed the transfer on hold because the required authorization was missing.""
Dad sank into his chair.
"She was going to take everything.""
I looked at the statement.
For the first time, the entire pattern became clear.
The stolen dress.
The false application.
The pressure to keep me away from Harrington.
The attempt to make Brianna the successful daughter.
Vanessa hadn't simply wanted Brianna to win a competition.
She wanted to control the resources my mother had left me.
And she had been doing it for years.
That evening, I returned home with Dad.
Vanessa was waiting in the kitchen.
She had already heard about the financial review.
I could tell from the way she was standing.
"You had no right to involve lawyers," she said.
Dad placed the folder on the table.
"You transferred Nia's money.""
Vanessa shook her head.
"I used the funds to support the family.""
"You paid for Brianna's school.""
"She needed an education.""
"And Nia?""
Vanessa looked at me.
"She had a father.""
I felt the words hit me.
Dad's face changed.
"That money was specifically left for her.""
Vanessa's voice rose.
"She lived in this house! She ate our food! She used electricity! Everything cost money!""
I stared at her.
"You're trying to justify spending my mother's money on Brianna's private school?""
Vanessa slammed her hand against the counter.
"Your mother left that money because she knew Marcus would never be able to provide the life you deserved!""
The room went silent.
Dad stepped forward.
"What did you just say?""
Vanessa realized she had said too much.
She quickly corrected herself.
"I mean—"
"No," Dad interrupted.
"Finish.""
Vanessa looked at me.
Then she said something I would never forget.
"Eleanor always made everything about you. Even after she was gone, she was still controlling this family.""
Dad stared at her.
I felt my chest tighten.
"My mother was dead. She couldn't control anything.""
Vanessa's expression twisted.
"She left money. She left that sewing machine. She left a legacy. And you kept acting as though everyone owed you something because you were her daughter.""
I looked at her.
"No. I just wanted to keep what she gave me.""
Dad stepped between us.
"Vanessa, I want you to pack your things.""
She froze.
"What?""
"You heard me.""
"Marcus, you're throwing me out?""
"I'm asking you to leave.""
She laughed in disbelief.
"Over a competition and some old money?""
Dad's voice was firm.
"Over years of lies.""
Brianna appeared at the top of the stairs.
"Mom?""
Vanessa looked up.
"Get your things.""
Brianna came downstairs slowly.
Then she stopped beside me.
"Where am I supposed to go?""
I didn't know what to say.
Vanessa grabbed her handbag.
"We're leaving.""
But Brianna didn't follow immediately.
Instead, she looked at me.
"Nia, there's something else you need to know.""
Vanessa turned sharply.
"Don't.""
Brianna's eyes filled.
"I found something in Mom's old emails.""
"What?"" I asked.
She swallowed.
"She didn't just take the money from your trust.""
I felt my stomach tighten.
"Then what did she do?""
Brianna looked toward the stairs.
May you like
"She also changed something in your mother's original will.""
And suddenly, the room felt colder than it had before.