PART 2: SHE INHERITED 1.8 BILLION—THEN THE BANK TOLD HER WHAT MY MOTHER REALLY OWNED

The moment the land officer told me that all six plots belonged to Thuc Nghiep Nha Thanh, I called my mother.

She answered after two rings.

—Mom.

My voice was shaking.

—Those six projects…

—Yes?

—The land isn’t Luc Thi’s.

Silence.

—It’s yours.

My mother only said:

—I know.

I stood frozen in the government records hall.

—You knew?

—Come home. We’ll talk there.

Forty minutes later, I pushed open the apartment door.

My mother was sitting at the old dining table, drinking tea.

In front of her were three thick folders.

She pushed the first toward me.

—Open it.

Inside were incorporation documents.

Thuc Nghiep Nha Thanh had been established eighteen years earlier.

The legal representative was my mother.

The sole original shareholder was also my mother.

I looked up.

—But this was before Luc Thi became successful.

—Exactly.

She poured me tea.

—Your grandfather left me several properties when he died. I sold two and used the money to purchase land on the outskirts of the city.

Back then, those areas were almost worthless.

Later, the city expanded.

Highways were built.

Business districts appeared.

Those cheap plots became gold.

My mother continued:

—When your father’s company was nearly bankrupt fifteen years ago, he asked to develop my land.

I slowly understood.

—So Luc Thi never owned it?

—Not one square meter.

The development rights belonged to Luc Thi under long-term contracts.

Construction.

Sales management.

Project branding.

But ownership of the underlying land remained with Thuc Nghiep Nha Thanh.

My mother’s company.

I opened the second folder.

Loan agreements.

Guarantee documents.

Payment schedules.

My hands became cold.

—Mom… Luc Thi owes your company money?

She smiled.

—A lot.

Over the years, Luc Thi had repeatedly borrowed from Thuc Nghiep Nha Thanh to fund construction.

The outstanding principal alone exceeded six hundred million yuan.

Interest had accumulated on top of that.

I stared at her.

—Then why didn’t Dad mention any of this in the will?

My mother’s expression became almost amused.

—Because your father spent years convincing himself that what I allowed him to use belonged to him.

That sentence stayed in my head.

The mansion.

The company headquarters.

The projects.

The land.

Everything looked like evidence of Luc Thua Vien’s empire.

But much of the foundation beneath that empire had belonged to my mother all along.

I whispered:

—Then why did you sign away your rights yesterday?

—Because the paper only waived claims against his estate.

She looked directly at me.

—It didn’t transfer anything already registered under my name.

I stopped breathing.

My mother had never given up 1.8 billion.

She simply refused to fight over an estate that wasn’t worth what everyone thought it was.

Two days later, Tien Phuong Hoa arrived at the bank.

She wore a cream-colored suit.

Luc Canh Hanh walked beside her.

Behind them were Lawyer Chau and two executives from Luc Thi.

According to one employee who later told us what happened, Phuong Hoa walked in smiling.

She placed the inheritance certificate on the counter.

—I need to complete the transfer of Mr. Luc Thua Vien’s deposits and financial assets.

The bank manager personally received her.

He checked the documents.

Then checked his computer.

His expression changed.

—Ms. Tien, there may be a problem.

Phuong Hoa’s smile disappeared.

—What problem?

The manager turned the monitor slightly.

—Most of Mr. Luc’s deposits are pledged as collateral for corporate financing.

She frowned.

—What does that mean?

—It means they cannot currently be withdrawn.

Canh Hanh interrupted.

—Then transfer the other assets first.

The manager looked increasingly uncomfortable.

—There is another matter.

He took out a printed statement.

—Mr. Luc also personally guaranteed several loans related to Luc Thi Construction Group.

The outstanding guaranteed liability is approximately seven hundred and eighty million yuan.

Phuong Hoa went silent.

—How much?

—Seven hundred and eighty million.

Her face lost color.

But that wasn’t what made her collapse.

The manager continued:

—And yesterday, Thuc Nghiep Nha Thanh formally notified the bank that it would not renew the land-use guarantees supporting six major Luc Thi projects.

Phuong Hoa stared at him.

—Thuc Nghiep… what?

The manager checked the file.

—Thuc Nghiep Nha Thanh.

—The company owns the underlying land.

—Without renewed authorization, project financing must be reassessed.

Canh Hanh grabbed the document.

Then he saw the name of the legal representative.

To Nha Thanh.

My mother.

He immediately called us.

My mother’s phone rang while we were eating noodles.

She looked at the screen.

Luc Canh Hanh.

She rejected it.

It rang again.

Rejected.

The third call came from Tien Phuong Hoa.

My mother finally answered.

Phuong Hoa’s voice was almost hysterical.

—To Nha Thanh, what have you done?!

My mother calmly put down her chopsticks.

—What do you mean?

—The land!

—Those six projects!

—Why are they under your company?!

My mother smiled faintly.

—Because I bought them.

—But they’re Luc Thi projects!

—Luc Thi is the contractor and developer.

—Ownership is another matter.

There was silence.

Then Phuong Hoa screamed:

—Thua Vien left me the company!

—Yes.

—So give me the land documents!

My mother actually laughed.

—Why would I give you my property because your lover left you his shares?

I nearly choked on my tea.

Phuong Hoa’s breathing became heavy.

—You planned this.

—No.

My mother became serious.

—I planned these investments eighteen years ago.

—You simply never bothered to understand what you were inheriting.

Then she ended the call.

The real disaster arrived during the following month.

Without automatic access to my mother’s land, Luc Thi had to renegotiate every major development contract.

The board finally commissioned an independent review.

The supposed 1.8-billion-yuan “fortune” looked very different once debts, pledged deposits and outstanding obligations were included.

The six properties my father personally owned existed.

But four carried mortgages.

His investment accounts were partly pledged.

And the value of his controlling shares in Luc Thi depended heavily on projects built on my mother’s land.

Tien Phuong Hoa had inherited something valuable.

But nothing close to the effortless empire she believed she had won.

Then the board discovered another problem.

Luc Canh Hanh had almost no management experience.

Three months after being appointed deputy general director, he lost two major contractors and approved a disastrous purchase.

Shareholders began demanding changes.

That was when my mother made her move.

Not revenge.

Business.

She offered the company a choice.

Luc Thi could continue using her six plots under new market-rate agreements.

Or she would terminate future cooperation and invite other developers to bid.

The board voted.

Unanimously.

They accepted her terms.

Canh Hanh was removed from executive management shortly afterward.

Phuong Hoa came to our apartment personally.

She stood outside in a designer coat worth more than all the furniture inside.

When my mother opened the door, Phuong Hoa’s eyes were red.

—You won.

My mother looked genuinely confused.

—Won what?

—Don’t pretend.

—You let me think I’d taken everything.

My mother shook her head.

—You took exactly what Thua Vien chose to leave you.

Then she glanced at me.

—And I left with exactly what belonged to me.

Phuong Hoa’s face twisted.

—You stayed beside him for twenty-three years. Don’t you feel anything?

For the first time, sadness passed through my mother’s eyes.

—Of course I do.

She spoke quietly.

—I feel sorry that I spent twenty-three years helping a man who eventually mistook my silence for dependence.

Then she closed the door.

One year later, Thuc Nghiep Nha Thanh became one of the city’s largest private land-management companies.

My mother never returned to the Luc family mansion.

She never fought for my father’s surname.

She didn’t need either.

I joined her company after graduation.

On my first day, she handed me an old folder.

Inside was the first land contract she’d signed eighteen years earlier.

The purchase price was so small that I stared at it in disbelief.

—This became worth more than a billion?

My mother smiled.

—Value isn’t always obvious at the beginning.

Then she looked at me.

—Remember that about people too.

Everyone had laughed when To Nha Thanh walked out of the Luc family with one daughter, one suitcase and no inheritance.

They believed Tien Phuong Hoa had received everything.

But two days later, she finally learned the truth.

My father had left her his fortune.

My mother had simply never told anyone that much of the ground beneath that fortune had belonged to her all along.

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