Chapter 6: The Money Nobody Could Explain
Andre arrived at the house that afternoon carrying a black document case.
Natasha had begged Maya not to invite him inside, but Maya had refused to meet him anywhere else. If the truth concerned her home, her education, and her family, she wanted every person involved sitting in the same room.
Chris agreed.
Natasha did not.
“You're turning this into a public trial,” she snapped when the doorbell rang.
Maya stood in the living room with her arms folded.
“No. I'm asking questions in the one place where all of you have spent years telling me everything is fine.””
Chris opened the front door.
Andre stood on the porch, looking uncomfortable. He held the document case in one hand and a thick envelope in the other.
“Thank you for letting me come,” he said.
Maya stepped aside.
“Don't thank me. Just tell the truth.””
Andre entered and placed his belongings on the coffee table.
Natasha remained near the staircase, her arms crossed tightly over her chest.
“I don't understand why you're doing this, Andre.””
He looked at her.
“Because Maya deserves to know what happened to her money.””
“You don't know what you're talking about.””
“I know I lent you money. I know you told me it was for household expenses. And I know you later asked me not to mention it to Chris.””
Natasha's expression hardened.
“You offered to help me.””
“I did. But you never told me the money was supposed to come from Maya's college savings.””
“I never said that.””
Andre opened the document case.
“Then let's look at the records.””
He spread several bank statements across the table.
Maya sat beside Chris, her hands clasped in her lap.
Andre pointed to the first page.
“About a year ago, your mother told me she was having financial problems. She said some unexpected expenses had left her short on cash, and she needed a loan to get caught up.””
“How much?”” Maya asked.
“Three thousand dollars over several months.””
“Did she pay you back?””
“Some of it.””
Natasha looked away.
Andre continued.
“Later, she asked me for another two thousand. She said it was urgent and that she would explain everything once she had time.””
Maya stared at her mother.
“Was that money for prom?””
“No,” Natasha whispered.
“Then what was it for?””
Natasha shook her head.
“I can't explain all of this in front of Andre.””
Maya stood.
“Then explain it to me in front of Chris. Explain it to all of us. I'm done being sent out of rooms whenever the conversation gets uncomfortable.””
Natasha's eyes flashed.
“You have no idea what I've been dealing with.””
“Then tell me!””
The shout left Maya's throat before she could stop it.
Her mother flinched.
Maya's eyes filled with tears.
“I'm seventeen. I'm trying to get into college. I'm supposed to be thinking about graduation and prom and what kind of life I want to build. Instead, I'm sitting here wondering if I can even afford to go to school because the people who promised to take care of me can't tell me where my money went.””
Nobody spoke.
Maya sat down again, trembling.
Andre slid a statement toward her.
“This is the part I think you need to see.””
The document showed a transfer from Natasha's account to another account six months earlier. The amount was substantial. A second statement showed a withdrawal from the college savings account three days before that transfer.
Maya looked at the dates.
“Was this the same money?””
“I can't prove every dollar followed the same path,” Andre said.
“But the timing is suspicious.””
Chris examined the pages.
“Who owns the receiving account?””
Andre hesitated.
“That's where things get complicated.””
Maya felt a wave of frustration.
“Of course they do.””
Andre opened another folder and removed a printed account summary.
“The receiving account was associated with a small business.””
Natasha's face went white.
Chris noticed immediately.
“What business?””
Andre placed the page on the table.
The account belonged to a company called Carter Family Events LLC.
Maya frowned.
“What's that?””
“Your mother told me it was a business she was helping a friend establish,” Andre replied.
“She said the money would be returned once the company started generating income.””
Chris looked at Natasha.
“Did you invest our daughter's college savings in a business?””
Natasha shook her head rapidly.
“No. That's not what happened.””
“Then explain the transfers.””
“I didn't invest it!””
Andre's voice hardened.
“Then why did you tell me the business would repay the money?””
“Because I needed you to stop asking questions!””
The room fell silent.
Natasha seemed to realize what she'd said only after the words were already out.
Maya stared at her.
“You told Andre to stop asking questions?””
Natasha pressed her fingers against her temples.
“I was overwhelmed. I made mistakes. But this is not what you think.””
“Then what is it?””
Natasha began pacing.
“Denise and I had a business arrangement. She was supposed to help me earn extra income. I thought I could use the profits to replace whatever money I borrowed before anyone noticed.””
Chris stared at her.
“You used Maya's college savings to fund a business without telling me?””
“I was going to put it all back!””
“How much did you put in?””
Natasha didn't answer.
Andre turned to Maya.
“The documents show a transfer of eight thousand dollars from the college savings account into an account connected to that business.””
Maya felt as though someone had punched her in the stomach.
“Eight thousand?””
Chris closed his eyes.
He had spent years working overtime when necessary, taking extra projects, and putting money aside so Maya could have choices after high school. He had never promised her a particular college or a life without financial struggles. He had promised to help her get a fair start.
Now the account he'd trusted to help provide that start was missing a significant amount of money.
“Natasha,” he said, “tell me the entire truth.””
She shook her head.
“I can't.””
“You can.””
“Not with Andre here.””
Andre rose from his chair.
“I'll leave if Maya wants me to. But I'm not going to pretend I don't know what I know.””
Maya looked at him.
“Stay.””
He sat down again.
Natasha's face crumpled.
“I didn't know the business was going to fail.””
Chris's expression sharpened.
“Fail?””
She nodded, tears running down her cheeks.
“Denise said she had contracts lined up. She said we'd start making money within months. I believed her.””
“Who is Denise Carter?”” Maya asked.
Natasha wiped her face.
“She was a friend from work. She started an event-planning business and asked me to help manage bookings and finances. I thought it would be a way to earn money without taking on another full-time job.””
“Did you sign anything?””
“Yes.””
“Did you tell Chris?””
“No.””
Chris leaned back as though the chair had suddenly become uncomfortable.
“Why?””
“Because I knew you'd say no!””
“Of course I would have asked questions! We were saving that money for Maya!””
Natasha raised her voice.
“You've always been so careful about money that you never understood what it was like to feel trapped. I was trying to create something for myself. Something that didn't depend on your paycheck.””
Chris stared at her.
“You could have started a business with your own savings. You could have asked me to help. You could have told me you were struggling.””
“And have you lecture me about every decision I made?””
“I would rather have had an uncomfortable conversation than discover that our daughter's college money was missing!””
Maya watched them argue, but something had changed.
For years, these fights had left her feeling like a rope being pulled between two people. Now she could see the difference between their positions. Chris wanted answers about money that had been set aside for her. Natasha wanted to defend decisions she had made without telling anyone.
Both were upset.
Only one had admitted to moving the money.
Maya turned to her mother.
“Did you take the eight thousand dollars?””
Natasha stared at her.
“I transferred it.””
“That's not what I asked.””
“Yes,” Natasha whispered.
“I took it from the college account.””
The admission hung in the room.
Maya's eyes filled with tears.
“Why didn't you just tell me?””
“Because I was ashamed.””
“You weren't ashamed when you told me I deserved a two-thousand-dollar prom.””
Natasha looked down.
“I thought I could replace it.””
“And when you couldn't?””
“I panicked.””
Maya shook her head.
“You made it everybody else's problem.””
Natasha began crying harder.
“I know.””
Chris stood and walked toward the window. He remained there for several seconds before turning back.
“What happened to the business?””
Natasha took a shaky breath.
“Denise said she needed more money to finish securing a venue contract. I transferred what I had left from the account, and then the contract fell through. She stopped answering my calls.””
Andre looked at her sharply.
“How much did you give her altogether?””
Natasha whispered an amount.
Chris gripped the windowsill.
Maya couldn't believe what she was hearing. Her mother had not only taken money from the college account; she had also borrowed from Andre, hoping an uncertain business venture would somehow solve the problem before anyone discovered it.
“And the prom?”” Maya asked.
“Was that why you wanted the expensive dress?””
Natasha looked confused.
“What?””
“You knew the college money was missing. You knew you owed Andre. Why were you pushing for a dress that cost twelve hundred dollars?””
Natasha covered her face.
“I wanted you to have something beautiful. I wanted you to remember your senior year as a happy time. I thought if I could make everything look normal, maybe I could fix the rest before you found out.””
Maya stared at her mother in disbelief.
“You tried to make my prom perfect while risking my college education?””
“I know how that sounds.””
“It sounds like you cared more about appearances than my future.””
Natasha's shoulders shook.
For once, she didn't argue.
Andre closed the document case.
“I can show you the records I have, Maya. I'll also provide copies of the transfers and the loan payments. But there is one thing I haven't told you yet.””
Maya looked at him warily.
“What now?””
He took a final sheet of paper from the envelope.
“This came from Denise two weeks ago. She sent it after I demanded that she explain what happened to the money I lent your mother.””
Chris reached for the page.
At the bottom was a typed statement acknowledging receipt of several payments from Natasha. The amounts matched some of the withdrawals in the bank records.
But the final paragraph referred to another transaction.
A payment made to a third party.
Maya leaned closer.
“Who is that?””
Andre hesitated.
“I don't know. The name is partially redacted in the copy Denise sent me.””
Chris studied the line.
“Can we get the original?””
“I've asked for it.””
Maya looked at her mother.
“Did you send money to someone else?””
Natasha's face went blank.
“I don't remember.””
Chris's voice turned cold.
“You don't remember where our daughter's money went?””
“I was under pressure!””
“That doesn't make the money disappear!””
Maya stood, unable to bear another second of the argument.
“I need air.””
She walked out onto the front porch and sat on the steps. The afternoon sun warmed her face, but she felt cold all the way through.
A few minutes later, Chris came outside.
He sat beside her without speaking.
Maya stared at the street.
“Can I still go to college?””
Chris took a long breath.
“We don't know the full financial picture yet. We'll need to review the account, contact the bank, and find out whether any of the money can be recovered. I won't promise you something I can't guarantee.””
Maya nodded, tears slipping down her cheeks.
“But I'm going to help you explore every option available. Scholarships, financial aid, payment plans. Whatever we need to do.””
“Even if the money is gone?””
“Even then.””
She leaned against his shoulder.
For a moment, she was eight years old again, sitting on the floor beside a homemade volcano, laughing as a science experiment erupted between them.
Then the front door opened.
Andre stepped onto the porch, holding his phone.
“Maya,” he said, “Denise just called me back.””
Chris stood.
“What did she say?””
Andre looked at both of them.
“She says Natasha wasn't the only person involved in the transfers.””
Maya slowly rose to her feet.
“What does that mean?””
Andre swallowed.
“Denise claims someone else authorized a payment from the account. Someone who had access to the financial records and knew the money was supposed to be used for your education.””
Chris's face tightened.
“Who?””
Andre looked down at his phone.
Then he raised his eyes toward Maya.
“She says it was Chris.””
Maya felt the world stop.
May you like
Beside her, Chris went completely still.
And for the first time since the entire nightmare began, Maya didn't know which adult she was supposed to believe.