Last night, I heard my husband giving my PIN to his mother while I was asleep: ‘Take it all out, there’s over a hundred and twenty thousand dollars on it.’ I just smiled and went back to sleep. Forty minutes later, his phone buzzed with a text from his mom: “Son, she knew everything. Something’s happening to me…” Then the phone suddenly went dead.

 

She got up, put on her robe, and went into the hallway.

Darius stood by the window, holding the phone in one hand and a lit cigarette in the other.

His face was chalk‑white.

Drops of sweat glistened on his forehead.

“What happened?” Kiana asked calmly, leaning against the doorframe.

He flinched, turning around sharply.

“Nothing. Everything’s fine.”

“It doesn’t look fine. You’re pale and smoking indoors.”

He swallowed, looking away.

“Mom texted. She’s having trouble.”

“What kind of trouble?”

A pause.

Darius took a drag and exhaled the smoke out the cracked window.

“I don’t know exactly. Something with the bank. She went to the ATM, tried to withdraw money, and they blocked the card and called security. I don’t understand what’s going on.”

Kiana walked closer, looking at him intently.

“That’s odd. Why did she go to the ATM late at night?”

“How should I know? Maybe she needed cash urgently.”

Darius nervously extinguished the cigarette on the windowsill.

“Kiki, I don’t know. She wrote that it was a misunderstanding, that they accused her of attempted fraud. It’s nonsense.”

Kiana nodded.

“I see. And whose card was she trying to use?”

He froze, looking at her with a long, scrutinizing gaze.

Something flashed in his eyes—fear, suspicion, despair.

“Hers, probably. Whose else?”

“I don’t know. You know best.”

The silence stretched on.

They stood facing each other, and the air between them was so thick it could have been cut with a knife.

“I don’t know anything,” Darius finally choked out. “Absolutely nothing. It’s some kind of mistake.”

Kiana smirked.

“A mistake, of course.”

She turned and headed for the kitchen.

She turned on the light and put the kettle on.

Her hands were calm and steady.

Darius followed her, stopping by the table.

“Kiki,” he began cautiously, “did you, by any chance, change the PIN on your card?”

She turned around, raising an eyebrow.

“Yes. I did. Day before yesterday. Why?”

His face fell.

“Why?”

“For security. You were the one who said we need to be careful. So I decided to protect myself.”

He was silent.

Kiana could almost see him frantically trying to figure out what had gone wrong.

The kettle boiled.

She poured water into a mug and dropped in a tea bag.

“And I left the old PIN on my other card,” she continued calmly, stirring her tea. “The spare one. It only has three dollars on it, but the card is active.”

Darius turned even paler.

“Three dollars?”

“Mhm. But the card is linked to the bank’s security service. You know that thing? If someone tries to withdraw a large sum, the bank immediately blocks the operation and calls security. Convenient, right?”

Silence.

It was so heavy that she wanted to open the window and let in some fresh air.

Darius stood with his mouth agape, looking at her as if she were a ghost.

Then he swallowed and ran a hand over his face.

“Did you… did you do that on purpose?”

Kiana sipped her tea.

“Of course I did it on purpose. Did you think I didn’t hear your conversation with your mother in the kitchen about getting the PIN and withdrawing the money?”

He backed away as if she had struck him.

“I… we… It’s not what you think.”

“It’s not?”

Kiana smiled sadly.

“Darius, I heard every single word. Your brilliant plan to steal my money, split it fifty‑fifty, and blame it on scammers. Clever plan. I’ll give you that.”

He tried to say something, but his voice broke.

“Kiki, Mom came up with it. I was against it, honestly. She just pressured me, saying she had nothing to live on, saying you were greedy—”

“Stop.”

Kiana raised her hand.

“Don’t try to pin everything on your mother. You agreed to it. You just dictated the PIN to her half an hour ago. I heard everything, so don’t lie.”

Darius slumped into a chair, burying his head in his hands.

“God, what’s going to happen now? What’s going to happen now?”

Kiana finished her tea and put the mug in the sink.