Die With Zero: Getting All You Can From Your Money And Your Life

Those words defined Claire Reid's entire life—and her death. At twenty-eight, she dies in a hospital bed surrounded by the family she sacrificed everything for: the father who forced her to quit school, the sister who took everything she had, the husband who treated her like an inconvenience, and the mother who demanded endless gratitude for their abuse. As her heart stops, Claire sees their relief and realizes the devastating truth: she wasted her life loving people who never loved her back. Then she wakes up. One year earlier. One month before her family frames her for theft. This time, Claire refuses. Refuses to give money. Refuses to stay silent. Refuses to be grateful for crumbs. Armed with knowledge of their betrayals and a fury born from her wasted first life, she systematically dismantles their manipulations, exposes their schemes, and reclaims her identity. But when she tries to leave her cold, arranged marriage, something unexpected happens.

My husband, Julian Harlow, has died, leaving behind a five-million-dollar debt. I decide to inherit his debt right away. However, my best friend, Evangeline Frost, goes crazy from worry because of my decision. In my previous life, Evangeline had advised me to not inherit Julian's debt because he didn't have any assets. So, I signed the agreement to give up on inheriting his assets and declare that I had nothing to do with Julian in order to escape from the debt. But the debtors kept haunting me. They even kidnapped my son, Shawn Harlow, just to force me to pay the debt. The debtors were extremely violent and ruthless. On top of that, they kept using Shawn's safety as leverage over me. Every time they forced me to pay the debt, I felt as though I was being tormented slowly yet painfully. In just 24 hours, I asked all of my relatives for help, but I was only able to gather 100 thousand dollars. In the end, Shawn never escaped from his fate. I was sold to Northreach by the cruel debtors in order for the debt to be cleared. But that was when Evangeline claimed that her own son had finally returned to his roots, thus successfully inheriting the assets of a billionaire. I finally found out that said billionaire was actually my dead husband when I watched the news on the TV. Only then did realization dawn on me. Julian was pretending to be poor this whole time. It turned out that Evangeline's son was actually his illegitimate child. The assets that I had given up all went to Evangeline and her son in the end. Filled with resentment, I tried to escape back to the country in order to settle the score with Evangeline, only to die to the electric fence surrounding the slave camp in Northreach. When I open my eyes again, I've returned to the day Evangeline tells me to give up on the assets.

After my family is burdened with a debt of 5,000,000 dollars, I become the only person in the family who can no longer afford to "die". Dad is trampled in the mud by our creditors, protecting what's left of my school tuition fees even if it means breaking his fingers. He roars, "You can hit me, but don't you lay a finger on my daughter!" At that moment, Dad's small, hunched figure becomes a debt that I can never repay in my lifetime. Meanwhile, Mom kneels before the creditors, grovelling in the mud as she begs for a few more days of grace. Burdened by Mom and Dad's love for me, I drop out of school and go to work at a factory to make as much money as I can as quickly as possible to pay back the debt. Ultimately, my landlord kicks me out of my lodging on Christmas Eve. I'm also sporting a high fever in the snow, but my wages from the factory are still unpaid. I call Mom and beg her to transfer just 50 dollars to help me out. However, she doesn't sound concerned or anxious on the other end of the line and utters in disgust, "Haven't you gotten your wages already, Carolyn Swanson? "How dare you lie to us? Who taught you that? If you can't afford to buy the meds for your so-called fever, then you might as well just die!" Then, she hangs up on me cruelly. I grip my phone in my hands, watching the snow falling from the sky. My hands feel even colder than the icy ground at this point.

I won eight million overnight. The first thing I did was rush to the hospital to pay for my son's surgery and treatment. That was when my phone rang. Ian, a coworker from the company, called, "Something urgent came up! You need to get back here right this instant!" My wife, Mara, took the bank card from my hand, and said with an gentle and understanding voice, "You can give me the PIN. I'll take care of our son's hospital bills. Go. Work is important. Don't worry about us." In my previous life, I didn't hesitate one bit. I trusted her completely and hurried back to the office. My son never made it into surgery. Instead, the police came for me. It turned out that Mara and Ian had conspired together to frame me, pinning the crime of embezzling company funds on me. The very money Ian had stolen. With no money for treatment, my son died in the hospital. My parents, shattered by grief, suffered fatal heart attacks one after the other. And I, rotting in prison, ended my life in despair. After my death, my soul drifted to the holiday villas of Moldeves, where Mara was on vacation. I heard her laughing as she spoke to Ian, "That idiot won a fortune and wasted it on that useless sick kid. He dragged me into a miserable life." Laughing even harder, she added, "Now, their whole family is dead, and we get to enjoy wealth for the rest of our lives. Consider it compensation from that idiot! Haha!" Then, I opened my eyes. I was back in the hospital corridor, at the exact moment my wife reached out and took the bank card from me. This time, I still told her the PIN.

My mom is a woman who takes frugality very, very seriously. When I suffer from a high fever, she feeds me moldy chicken noodle soup. In fact, I can only wear my older sister's hand-me-downs since I was a little girl. After working hard for so long, I finally qualify for the final interview of a top-500 company. I keep telling my mom repeatedly to not cause any trouble for me. Alas, my monitor winks out when I've reached the most critical point of my interview. At the same time, the router has lost access to the internet. I rush out of my room hurriedly, only to see my mom flipping off the main switch in the darkness. "Why did you leave the lights on at night? Imagine how much money you'll have to pay! I've already calculated everything for you. If we turn off the lights, we get to save a few pennies per night!" Thanks to those pennies, I end up losing my job that can guarantee an annual salary of a million dollars. Later on, my older sister, Andrea Fletcher, is diagnosed with a kidney disease. In order to latch onto Andrea's rich husband, Kirk Herrera, my mom forces me to work overtime at a shady factory just to gather enough money for Andrea's medical bills. Even when I'm about to die, my older brother, Anthony Fletcher, and my dad keep blaming me. "You can't even get hired at a proper factory! You really are useless, Alice! Your mom went through all those frugal nonsense just to raise you for nothing!" When I open my eyes again, I've returned to the day I'm about to attend the online interview. I just chuckle coldly as I look at Andrea, who has just found out about her kidney disease and is waiting for me to earn enough money for her kidney transplant. Then, I toss her expensive, specialized medication into the trash can. "What use is there for you to take the medicine, Andrea? What a waste! Mom already stated many times that being frugal is the way of life! "You should drink more water instead. Once your rich husband finds out how good you are at saving money, he'll definitely compliment us for knowing how to balance our finances!"

Five years ago, my family died in a car crash. My parents. My adopted sister, Liz. Everyone but me. They left behind grief, an empty house, and a debt so large it swallowed my life. When the collectors came, I turned to the only person I had left—my husband, Adrian. He told me he had cut ties with his own family to marry me and had nothing left. I believed him. For five years, I worked every job I could find, paid every dollar I earned, and told myself love was worth the suffering. When the balance dropped to its final $18,000, I signed up for a paid drug trial at a private clinic. They handed me a waiver, warned me about possible delayed reactions, and promised fast money if I swallowed the experimental dose. I thought it would buy us a new beginning. Instead, I came home early and heard Adrian on the phone. “Let Liz use the card. Evelyn still doesn’t know. She took away Liz’s money five years ago, so she has to earn every dollar back herself.” Then he laughed softly. “One more year, and her punishment is over.” That was how I learned the dead were alive. The debt was fake. My husband had never been poor. And the life I had fought so hard to survive was only a sentence they had given me.