Tokyo, 1991: Starting as a bank clerk

Chapter 35 Impossible, Absolutely Impossible

Yuki Matsushita was indeed good-looking; even by today's standards, she was a beauty.

Moreover, she is young, in the prime of her youth, and even has some JK (high school girl) attributes.

For those young male chefs, it's simply irresistible.

Kiryu Yaya's eyebrows twitched.

"The price for a date, 100,000?"

"I didn't say it once."

Yuki Matsushita turned her face away, as if looking at the flickering streetlight at the end of the alley.

"Well... lend me 100,000, and I'll go on a date with you. If you think once isn't enough, then twice. Or if you want me to do something else..."

"Matsushita-kun."

Kiryu Yaya generally dislikes lecturing people, but thinking of how Mrs. Matsushita usually took care of him, he felt a pang of conscience and interrupted her.

"You're only eighteen years old. You'd better think carefully about what you're saying before you tell me these things."

Yuki Matsushita's lips moved slightly, and her voice was a little lower than before.

"I know what I'm talking about."

No, you don't know.

Kiryu Yaya straightened up, moved away from the wall, and took a step forward.

The distance between the two people has been reduced to less than a meter.

Yuki Matsushita subconsciously took half a step back, bumping into the glass door behind her with a muffled thud.

"You're willing to go on a date with me today for 100,000 yen."

Kiryu Yaya looked down at her.

"What about tomorrow?"

"And the day after tomorrow?"

"When you're being harassed by debt collectors to the point of desperation, you won't even know what you'll say next."

Yuki Matsushita's lips trembled slightly.

But she still looked directly at him without looking away.

Kiryu Yaya continued:

"You don't think of yourself as a child anymore."

"But everything you're doing now proves that you're not yet capable of handling your situation."

The alley was quiet for a few seconds.

In the distance, there was the faint sound of a tram passing by, as if it were coming from a very deep tunnel.

Yuki Matsushita took a deep breath.

Her voice finally trembled slightly.

"Then what do you suggest I do?"

Her eyes were slightly red, but she stubbornly refused to cry.

"I owe three million."

"I have to pay back over 100,000 yuan every month."

"I can only earn 50,000 yuan a month working."

"I haven't paid this month's interest, and I'm two months behind on my tutoring fees. Yoyogi's teacher said that if I don't pay soon, classes will be suspended."

Her voice grew softer and softer, but her speech became faster and faster.

"I went to consumer finance, and they said I'm currently unemployed and can't borrow anymore."

"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, and three million in debt, 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?"

"He's dead."

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 were broke. The insurance paid out a little, enough for the funeral."

"My mom changed completely after my dad died."

"First, I quit my job, and then I 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.

"Did you take out those debts 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."

"……right."

"How much did you owe at the beginning?"

"More than one million yen."

"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.

It's not hatred.

It's not resentment.

It's more like a kind of weariness.

"Yes, we have them all."

She said I was a burden.

"He said I was in Tokyo, making it impossible for her to start a new life."

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

"Then they sent me to Osaka."

"My grandmother was kind 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."

"Didn't you tell her?"

"Why should I 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 yen was not simply spent on luxury goods.

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 yen.

Once the interest from consumer finance starts to snowball, three million yen 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 yen in debt, Yuki Matsushita is gradually pushed into a corner by her life as a ronin (a woman living as a ronin), cram school fees, and interest from consumer finance.

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

At this moment, looking at this stubborn, defiant girl who is almost crushed by reality, you have three choices.

The options are as follows:

[Fork in the road: Turn and walk away. Her debts and future are none of your business; you have no obligation to bear the consequences for a stranger.]

(Reward: Bank deposit increases by 1 million yen, nothing happens.)

[Second branch: Don't lend her money, and don't immediately help her deal with her debts. Tell her to tell her grandmother the whole story first. If she can't even face the person who should know best, then don't talk about repaying the debt.]

(Rewards: Bank deposit increased by 5 yen; Item "Kitahama Old Shop Wagashi Exchange Coupon")

[Branch 3: Lend her 100,000 yen directly to help her get through this month.]

(Reward: Matsushita Yuki's affection level increases significantly, with a certain probability of unlocking a romance route)

Kiryu Yaya's eyes twitched slightly as he looked at the third option.

really.

Whenever this system encounters a young woman, it always tries to steer things in a strange direction.

Borrow 100,000 directly?

What a joke.

Given his current financial situation, if he lends out this 100,000 yuan, his hard-earned savings will immediately disappear again.

Moreover, lending out this 100,000 will only allow Matsushita Yuki to continue keeping it a secret.

What about next month?

What about the month after next?

In this situation, lending her money would only harm her.

Kiryu Yaya pondered for a moment, then looked at Matsushita Yuki and said in a calm tone:

Listen carefully, I won't lend you money.