After graduating high school, my parents Everett Welch and Maggie Welch abandoned me, Vivian Welch, and took their adopted daughter Camille Welch on a seaside vacation. Unfortunately, they encountered a typhoon, and all three perished. When the news reached me, I neither cried nor panicked. I quickly canceled their identity information, withdrew the death insurance I had purchased in advance, and successfully obtained a hundred million dollars in compensation. My fiancé Aiden Curtis cursed me out, saying I only cared about money. But he didn’t know—I had been reborn. In my previous life, the moment I learned of Everett’s, Maggie’s, and Camille’s deaths, I cried until I fainted multiple times. Not only did I voluntarily take on the massive debts they left behind, but I also gave up my chance to attend college, working multiple jobs to pay off their debts, all to keep the house that creditors were eyeing. During that time, Aiden stayed by my side, encouraging me and cheering me up when I returned from late-night delivery runs, yet he never actually spent a dime to help me. On Christmas when I was thirty-five, I had paid off all debts at the cost of destroying my health. I was completely exhausted, prematurely aged. On my birthday, I only bought myself a cheap little cake to celebrate. Just as I was about to light the candle, the door was pushed open. Everett, Maggie, and Camille, who should have died in the typhoon, walked in wearing haute couture suits and gowns, looking down at me with arrogant smiles. “You did well. Now we believe you’re not someone who only cares about money. You passed the test and are qualified to become the true eldest daughter of the Welch family.” “Camille, thank goodness you came up with such a brilliant idea.” Camille smiled faintly, approaching with poise and nobility, and gently blew out my candle with one breath. The only bit of light in my twenty Christmases was extinguished. The heart disease caused by years of overwork suddenly struck, and I died on the spot. When I opened my eyes again, I had returned to the moment when they were about to head to the seaside despite the typhoon. Without a word, I quietly purchased massive accidental death insurance policies for them. In this life, I only wanted them to disappear from this world completely. “Vivian, if you had been more ruthless back then, you could have convinced them to stay. Why wouldn’t you cut your wrists or go on a hunger strike to force them to stay?” “In the end, you’re just too selfish. You never truly considered your family’s safety. This mess is entirely your own doing!” Listening to Aiden’s scolding, I opened my eyes in the darkness. The day when Everett and Maggie would fake their deaths with Camille, forcing me to abandon my studies and shoulder massive debt, had finally arrived! The corners of my mouth lifted uncontrollably. Seeing me smile instead of cry, Aiden was momentarily stunned. “Are you scared senseless? Your parents are dead, how can you still smile!” Without even glancing at him, I rolled over and pulled out the massive commercial insurance policies I had purchased for the three of them yesterday from under my pillow, clutching them tightly to my chest as I laughed until tears came. In my previous life, Aiden had ranted and cursed at me just like this. He said that as Everett and Maggie’s daughter, I should have anticipated the risks and risked my life to stop them from taking Camille to the seaside. He also said I was too vicious, knowing that Camille’s grades weren’t as good as mine, yet I still fought tooth and nail to get high scores. If I had scored lower, Camille wouldn’t have thrown a tantrum, and Everett and Maggie wouldn’t have insisted on leaving me behind for her sake. In short, everything was my fault. I was only eighteen then, living in the ivory tower of campus life. His words filled me with such guilt that I resolutely gave up my studies and shouldered ten million dollars in debt. I sold breakfast at dawn, delivered food during the day, and drove a taxi at night. My skin peeled from sun exposure, my hair turned yellow from malnutrition, and my palms were covered with calluses from constant labor. I cried countless times in the dead of night from exhaustion, but I didn’t dare stop, afraid of ruining the Welch family’s honor, afraid of seeing Everett’s and Maggie’s disappointed faces when I met them in heaven after death. But I never imagined that this entire absurd situation was just a “test” they had set for me. I was sick of this game of competing with Camille for their favor. Since you insist on faking your deaths, this time, I’ll personally send you to hell.
Opening the insurance policy, my fingers trembled as I traced over that astronomical figure. I said, “Hello, my parents’ and sister’s deaths have made headlines across all major news outlets. The total compensation is one hundred million dollars. Please transfer it to my account as soon as possible.” Across the table, the insurance company president’s face turned ashen, breathing heavily in rapid gasps. He said indignantly, “Damn it, you got so lucky, girl. You bought the insurance one day and Mr. Welch actually died the next. What rotten luck for me!” Though he cursed under his breath, he knew I had spent a fortune consulting professionals before purchasing the insurance. This policy perfectly matched the way all three died—swept away by the typhoon—airtight without any loopholes, so the insurance company had to pay out. Soon enough, one hundred million dollars was actually deposited into my personal account. I silently counted that string of zeros, nearly moved to tears. In my previous life, to save money, I went hungry and cold every day. To save on utilities, I couldn’t bear to turn on lights at night and used public restrooms in shopping malls to wash up, enduring countless dirty looks. As the eldest daughter of the Welch family, I was hit by a car while delivering food. Without health insurance and too reluctant to go to the hospital, I could only buy a roll of tape from a roadside store, wrapping it around my torn wound and praying it would heal. The wound got infected, and until my death, I walked with a limp. Aiden seized the opportunity to call off our engagement, leaving me completely alone, yet I still felt guilty, thinking I had dragged him down. A tear fell onto my phone screen, and I couldn’t tell if it was from hatred or from relief. Sniffling, I strode out of the insurance company, only to run straight into Aiden, who had been following me. His eyes showed surprise as he stepped closer, reaching out to grab my phone. He said, “Vivian, your parents just died, and instead of arranging their funeral, you’re here at the insurance company. Don’t you have an ounce of conscience? I remember your parents never bought insurance from this company. Let me see how much they paid out.” I immediately turned off my phone screen, ducked into a taxi, and slammed the door shut. I said, “Hello, to the Civil Affairs Bureau, please.” The driver sped off, leaving Aiden behind. I walked upstairs with light steps, went straight to hand over all the documents, and said with tears in my eyes, “My parents and adopted sister have all passed away. I’m here to handle the paperwork.” The staff member immediately understood: “Oh, you’re from that family in the newspaper headlines these past few days, right? Oh my, poor child, you finally got into a good college and then this happens. Your parents really shouldn’t have done that, leaving behind such a wonderful child like you to rush into a typhoon with their adopted daughter. Weren’t they just gambling with their lives?” Her eyes full of pity, she muttered while quickly processing my paperwork. As all the information was entered into the system, Everett, Maggie, and Camille completely lost their legal identities in this world. I kept my head down, desperately trying to control the corners of my mouth from turning upward. Just as I received the certificate, a furious shout came from behind me: “Vivian, what are you doing?” Aiden stepped forward and snatched the certificate from my hands. After just one glance, he trembled with rage. He said, “Who gave you the nerve to file death certificates for them? How is Camille supposed to go to college now?”
The tears on my cheeks hadn’t dried yet when the staff member, who already sympathized with me for losing my parents, immediately stepped in front of me. She said, “What are you yelling about? Vivian’s parents and adopted sister all died in the natural disaster. She’s here to handle the death certificates, and she’s in more pain than anyone. As her friend, instead of comforting her, you dare to make a scene here. If you keep this up, we’ll have you escorted out immediately!” Aiden’s curses got stuck in his throat. His face turned red with anger as he pointed his finger straight at me: “I never thought you could be so cold-blooded and heartless. The funeral hasn’t even been held yet, and you’re already rushing to get death certificates. I was so wrong about you!” I leaned against the staff member and flashed Aiden a provocative smile: “So what are you going to do about it?” Aiden’s expression instantly froze, panic flashing across his face. He glared at me fiercely, then turned and hurried away, obviously going to make a phone call. I didn’t need to guess who he was calling—Camille. Camille was Everett and Maggie’s most beloved daughter, the one who took everything from me in my previous life. Too lazy to care about whatever they were plotting behind the scenes, I hummed a little tune as I contacted the funeral home, opened the doors of Welch Villa, and held a lively funeral without any bodies. Just as the funeral began, several burly men with tattooed arms and menacing expressions barged in. The leader grabbed me by the collar, lifted me up, glared at me viciously, and threw out a stack of IOUs. He said, “You’re lucky you didn’t die in that typhoon, but if you don’t pay back what the Welch family owes, you won’t be so lucky next time.” In my previous life, I was intimidated by these men, and with Aiden’s manipulation, I tearfully acknowledged this ten-million-dollar debt. But this time, I didn’t hesitate to bite down hard on the hand gripping my collar. I said, “This is my parents’ funeral. Please leave if you’re not involved. We can discuss business later.” The man yelped in pain from my bite, flew into a rage, and slapped me hard across the face. He roared, “You really are as shameless as Mr. Welch said. Look clearly—I’m your family’s creditor!” I covered my stinging cheek and glanced coolly at the IOU: “Ten million dollars? Do you think I’m an idiot?” Seeing my fearless attitude, their intimidating presence immediately weakened by half: “What do you mean? It’s written clearly on this IOU!” Indeed, the IOU had everything—date, amount, signatures, even Everett and Maggie’s handwritten signatures. But I simply refused to acknowledge it. I said, “If you can produce bank records showing ten million dollars in transactions, I’ll naturally pay up after reviewing them.” Hearing this, they gasped. Of course they couldn’t produce any records, because this IOU was completely fake. Everett and Maggie had already conspired with them to put on this act, planning to split the money fifty-fifty once it was paid! My hard-earned money from years of work had all turned into jewelry and handbags for Camille, becoming her bragging rights in overseas social circles. After a moment of silence, the leader spoke again: “What records? We gave them cash.” I laughed mockingly: “Really? Then please show me the withdrawal records for ten million dollars in cash. Don’t think I don’t know how much ten million dollars in cash weighs. Are you crazy, carrying that much money around to lend to people?” These men were instantly stumped. I coldly raised the corner of my mouth and gestured for them to leave. Just then, an angry roar came from the doorway: “Vivian, you unfilial daughter!” The person rushed over quickly, reaching me almost instantly, and delivered two harsh slaps that left blood trickling from the corner of my mouth. I narrowed my eyes and looked coldly at the newcomer. The people who arrived were none other than my parents. I said, “Mom, Dad, I’m dealing with these opportunistic debt collectors here. Why are you angry? Wait, how are you still alive? Aiden personally brought back news of your deaths and published your obituaries through both newspapers and online channels. What’s going on here?” This barrage of questions left them frozen mid-swing, their raised hands suspended in the air. Everett stammered, “We… this…” “Vivian, shouldn’t you be happy that Mom and Dad are safe? Why are you interrogating them the moment you see them?” Camille gracefully stepped forward, her casual remark instantly getting them off the hook. Everett and Maggie quickly nodded in agreement. Everett said, “That’s right, we did encounter a typhoon. Fortunately, Camille kept her cool and saved us during the storm.” I remained silent, quietly observing the three of them. They truly were a family – even staging their own deaths to test me was orchestrated so meticulously. They lied without batting an eye, their expressions never changing. Maggie looked around and covered her nose in disgust. “Clean up all this mess right now, then apologize to Camille. This is absolutely revolting!” Everett also looked displeased. “Vivian, your behavior has disappointed us greatly. Go to the civil affairs bureau and restore our identities. How can I manage the company without proper identification?” Camille smiled as she helped them sit down, then turned to me. “Go on, Vivian. Are you unhappy that we’ve come back from the dead?” I stood my ground, motionless. “Sorry, but legally speaking, none of your three identities exist in the domestic system anymore. And Dad, you don’t need to worry about the company because after your ‘death,’ I became the primary heir and officially became the company’s new shareholder.” The moment I finished speaking, the entire memorial hall fell into deathly silence. Everett took a deep breath and clutched his chest. Maggie’s face contorted with rage, her eyes practically shooting flames, as if she wanted to tear me apart immediately. Camille let out a shriek and quickly pulled out some medication. She said, “Mom, Dad, are you okay? Vivian, you b*tch, are you that eager? Everything in the Welch family belongs to me. Once Dad recovers, you’ll have to give back everything!” I crossed my arms and stepped back, coldly watching this family of three. “We’ll see if you have what it takes.” With that, I felt incredibly satisfied and happily took a sip of water. I felt this water tasted much better than the tap water I’d drunk from scavenged bottles in my previous life. Watching Camille and Maggie frantically help Everett to his feet, I reminded them before leaving, “Remember to go to a clinic. Hospitals won’t be able to treat you without identity information in the system.” Camille cursed angrily several times. My mind was focused on the house, car, and shares I’d just inherited, thinking about quickly transferring the assets. I had just gone upstairs when I suddenly heard footsteps behind me. I turned around and saw Aiden’s menacing face. The next second, everything went black! When I woke up again, it was already broad daylight. My head was splitting with pain. As I struggled to get up, I discovered my hands and feet were tightly bound! On the sofa not far away, four people were having a loud discussion, not noticing I had awakened. “Camille, your idea was brilliant – it immediately exposed Vivian’s true nature!” “How dare she covet my property – she’s dreaming! Camille, don’t worry, I’ll force her to sign and return everything to you!” “Mom, Dad, you’re so good to me, but even if I have everything, I still can’t compare to Vivian getting into a good university.” “Don’t worry, we’ve already decided. After we deal with Vivian, we’ll give you her identity. Then you’ll not only be able to attend a top university, but you’ll also rightfully become the biological daughter of the Welch family!” Endless despair spread through my heart. I didn’t dare make a sound and could only quietly twist my body, crawling toward the kitchen, hoping to find scissors to cut my restraints. Carelessly, I knocked over a vase at the corner, making a loud “thud.” Everett and Maggie immediately became alert and came looking with Camille. Everett said, “Vivian, you thought you were clever, trying to take over everything in the Welch family. Since you failed the test, don’t blame us for being ruthless.” With that, his fists and feet rained down like hail, while Maggie’s high heels kicked directly at my abdomen. I desperately turned my head away, and my ear immediately felt searing pain. Camille still wore that noble smile, looking down at my miserable state with satisfaction. “Vivian, you can only blame yourself for being too greedy.” She handed the boning knife in her hand to Everett. “Dad, you’re not in good health. Use this, and be careful not to hurt your hand.” Everett, burning with rage, took the knife and raised it high. Just then, there was suddenly a series of violent knocks at the door. “Excuse me, is this Vivian Welch’s residence?”
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