Divorced, Broke, and Building an Empire

Divorced, Broke, and Building an Empire cover

Divorced, Broke, and Building an Empire

The year I got divorced was the lowest point of my life.

The landlord saw me as a single mom and assumed I was that kind of woman. She warned that if she ever caught me bringing a "man" back, she would call the police and have us arrested.

At the time I had less than five hundred dollars in my pocket and was renting a shabby spare room. I lived there with my elementary-school daughter.

To save one hundred dollars a month on rent, I haggled with the landlord until I broke down and cried in front of my daughter.

The landlady gave me that look of suspicion. Her daughter was crying in my arms while she said it.

From that day on, I swore to myself I would make a lot of money.

Enough that no one would ever again dare point fingers at the two of us.

For years I worked like a woman possessed.

After my shift I took side jobs.

My feet felt hollow from exhaustion; my heart raced like it could give out any second.

But I couldnโ€™t stop.

Every night, back in that tiny second bedroom, when I saw my daughter sleeping, Iโ€™d tell myself the same thing: you canโ€™t stop.

Maybe luck was turning. During that stretch I met the biggest benefactor of my life.

My best friend, Laura Reed.

She was a temp at my office, a contract worker.

And she dressed like she could buy three years of my salary.

People guessed either her family was rich or her husband was loaded.

The first time we met was by the water cooler.

She walked up and asked, โ€œYouโ€™re the divorced woman, right?โ€

I was taken aback. My ex had worked at the same company and quit after we splitโ€”rumors spread fast.

But we werenโ€™t close. Coming up to me like that felt like an invasion.

She didnโ€™t stop. She rubbed her chin, remembering, โ€œHeโ€™s the one who filed for divorce, right? Everyone says he probably has a mistress. But you couldnโ€™t even find out who she isโ€ฆ heโ€™s good at keeping secrets.โ€

โ€œBest partโ€”you didnโ€™t take a penny, just wanted custody. What were you thinking?โ€

โ€œYouโ€™re not doing great financially, huh? You load up at lunch in the cafeteriaโ€”saving money on dinner, right?โ€

She kept picking at my wounds until I snapped, furious, โ€œEnough!โ€

โ€œWant to make money?โ€ she asked suddenly as I stormed off.

โ€œEnough to make you and your daughter live like ladies,โ€ she added.

Money is the most unreasonable thing in the world.

It makes you listen to anyone.

Even someone who was just rubbing salt in your wounds.

A few days later I took her to a nicer hotel to thank her. My hands trembled at the menuโ€”there was a minimum spend.

She told me how to make that money.

โ€œYou know,โ€ she said, โ€œthereโ€™s an easy kind of money.โ€

โ€œDead peopleโ€™s money,โ€ she told me.

My job, in short, was handling dead peopleโ€™s payments.

In this city, if a company employee dies, their family can come to my window and receive two payouts: a death benefit and a funeral allowance.

That was my responsibility.

That night I learned from her there was a loophole in our system.

Put plainly: by exploiting it, I could make someone whoโ€™d died โ€œdieโ€ againโ€”on the data side.

I could trigger another round of death benefits and funeral pay.

Once I manipulated things, the money would be routed to my accounts, to my parentsโ€™ accounts, to multiple bank cards Iโ€™d bought online.

Three hiding places, nothing tracing back.

โ€œThe systemโ€™s ancientโ€”nineties tech still in use. It wonโ€™t flag anything,โ€ she said. โ€œHuman approvals are sloppy. With the right moves no one will notice.โ€

โ€œAnd theyโ€™re dead,โ€ she smiled darkly. โ€œDead people canโ€™t come forward to complain.โ€

I knew it was a crime.

But that night, back in that cramped second bedroom, I found my daughter pretending to sleep.

Tears clung to her face.

I asked her over and over if she was sick. Finally she sat up and found a piece of paper.

She was born muteโ€”couldnโ€™t speak words, only made โ€œah, ahโ€ sounds.

She normally wrote to me.

โ€œThis afternoon my hand touched the girl next to meโ€™s clothes. She said my hand was dirty and demanded I pay,โ€ sheโ€™d written in careful letters. Tears dotted the page. โ€œMy hand was clean. Not dirty.โ€

I comforted her and wiped her tears. Clothes were just an excuse. The kids were ostracizing her because she was easy to bullyโ€”because she had a single, powerless mother.

I buried my face in my pillow until I almost couldnโ€™t breathe to keep myself from screaming.

I would take dead peopleโ€™s money.

From then onโ€”for about three yearsโ€”I kept at it.

I made over ten million.

I still surprise myself with that number.

Each payout was only a few thousand, but over time the totals added up because I kept at it.

I bought a home in my parentsโ€™ names; I moved my daughter into the best school in the city. I bought her everything she wanted, even if some things ended up tossed away.

I knew this money always carried the risk of being found out. So on Lauraโ€™s advice I converted most of it into cryptocurrency for my daughter.

Even if I was arrested or spent my life in prison, as long as I kept the passwords to myself, no one could touch that money. My daughter would be provided for foreverโ€”whatever the cost.

There was one thing I never understood.

โ€œLaura, I couldnโ€™t have made this without you. I owe you a cut,โ€ I told her one day.

By then she was practically familyโ€”cooking for us, playing with my daughter.

โ€œNo,โ€ she said. โ€œDonโ€™t give me a cent. If you do, we canโ€™t be friends.โ€

โ€œWhy?โ€ I asked, trying to understand why she was so good to me.

โ€œIf you want to help, you just help. No questions.โ€

She plated some food for me. I kept my head down and ate, watching her, wondering if maybe she was gayโ€”she was just so mysterious to me. I knew she had money, but not where it came from. Her listed address was a rental that sat empty most of the time.

She was too good to meโ€”so good I didnโ€™t think to ask.

Half a year later I learned the truth.

We took a vacation abroadโ€”she buried me alive. Sheโ€™d been setting the whole thing from the start.

She made the same kind of dead-money sheโ€™d offered meโ€”except this time the one who had to die was me.

It was 2015.

We took paid leave and agreed on a trip to Myanmarโ€”Mengla County, she said there was a temple there that answered prayers. She arranged tickets, visas, a driver. She handled everything.

We flew into Xishuangbanna, rode a private car to the Daluo Border Crossing, crossed into Myanmar. I even photographed some green peacocks near the borderโ€”told my daughter they symbolized boundless prospects.

A jeep met us outside the gate and the driver was Burmese. Laura spoke Burmese with him; I didnโ€™t understand a word. Everything seemed luxuriously planned.

The jeep took a dirt road and in less than half an hour we reached small Mengla County. But it didnโ€™t stop in town. My daughter and I had nodded off; when I woke the jeep had left civilization and climbed a bumpy mountain road.

โ€œWhere are we going?โ€ I asked, uneasy.

โ€œHotel,โ€ Laura said.

โ€œNot in town?โ€

โ€œYouโ€™ll see.โ€

I thought maybe sheโ€™d booked a rustic mountain inn near the temple. Then a village came into view.

Except it wasnโ€™t a village. On tall wooden platforms were soldiers with rifles.

Weโ€™d arrived at a Northern Myanmar armed groupโ€™s territory.

Far down the road was a freshly dug, deep pit. My stomach dropped.

Laura spoke to the driver in Burmese and the car stopped. Two short soldiers with scarlet armbands and black rifles came up.

She rolled down the window and spoke to them. The driver got out and greeted the soldiers, smoking casually as if nothing was happening.

The car door opened. A rifle barrel pushed in. I was forced out at gunpoint, still clutching my daughter, who trembled.

I tried to soothe herโ€”โ€œMomโ€™s here, itโ€™ll be okay.โ€ But someone kicked me in the back of the knee. I fell to my knees.

Lauraโ€™s smile was gone. Her eyes were cold, like she was looking at livestock.

โ€œLauraโ€ฆwhy?โ€ I asked, terrified and bewildered.

โ€œPasswords,โ€ she said, as if that explained everything.

She meant the crypto passwords. Iโ€™d converted the dead payouts into digital currency and kept the keys. Thatโ€™s what she wanted.

I clenched my teeth. โ€œI wonโ€™t say unless itโ€™s safe,โ€ I liedโ€”my only gamble.

โ€œYouโ€™ll tell,โ€ she replied, stood and patted her knee. She said something to the soldiers. Hands came and ripped my daughter from my arms.

My daughter flailed, making โ€œah, ahโ€ noisesโ€”calling for help. I lunged, but a soldier slammed me down. I felt a ringing blow at the back of my head and everything went black…

Stifling heat.

My chest felt tight, oxygen-starved.

I jerked my eyes open, gasping.

Absolute darkness surrounded me. I could see nothingโ€”only blackness.

Where am I…? I fumbled around; my palm grazed splinters.

Beneath me was a rough wooden plank.

I tried to sit up and slammed my head instantly.

I touched itโ€”above my head was another hard plank.

Then a light suddenly flicked on, the silence pierced by a sharp ringing.

A phone lay beside me.

By the phone’s glow I could finally make out my surroundings.

I was inside an extremely narrow wooden boxโ€”just me.

I picked up the phone.

An old Nokia, with a keypad.

I knew it wasn’t mine; the screen was full of Burmese characters.

I answered. On the other end was my best friend.

I heard her laugh.

"How’s the dirt feeling?" she said.

A bad premonition hit me.

"What do you mean…?"

"When they buried you I was right there watching.

I calculated itโ€”between the oxygen can I left in the box for you and everything else, at most thirty-five minutes and you’d suffocate in this coffin."

Oh my God.

I couldn’t hold it in. A wild, desperate scream burst out of me.

She just stayed calm and waited for my shrieks to die down.

Eventually I ran out of breath. Tears streaming, I pounded the boards of the box in hopelessness.

"My daughter…" I sobbed. "My daughterโ€”where is she?"

"Password," she said simply.

"Let me hear her voice, or I won’t tell you anything!" I yelled.

She was silent for a moment. Then, faint through the line, I heard muffled sobbing.

"Emma."

I called my daughter’s name.

The crying intensified but stayed indistinct. I guessed something was clamping her mouth shut.

"Say it," my best friend said.

I shook my head in helpless disbelief. We’d always been so close. She’d never been short of money. How could she turn into this?

"Why, Laura? Why…" I trembled.

"Here’s the thingโ€”your husband fell in love with a woman…" she said. "That woman is me."

"All that wealth was an act. Those outfits were rented, swapped out now and thenโ€”didn’t cost much," she said. "Getting close to you was just to make you go make the dead people’s money."

"Whyโ€”" I couldn’t process it. I was shaking with helplessness.

She laughed. "Because your husband and Iโ€”we were waiting for you to earn, from the very start."

I froze.

At that moment, everything clicked into a terrifying clarity.

So that’s it… She had planned a perfect crime. Three years ago my husband had an affair and pushed for a divorce. But that was only the first, trivial act of a much larger tableau. My husband and I worked together. While he was still at the company he noticed a loophole.

A way to make money off the dead.

He’d been tempted. He knew that with that method, making tens of millions wouldn’t be hard. But he gave it upโ€”because if you got caught you’d spend the rest of your life behind bars.

Then one night while meeting her at a hotel he mentioned it.

That was all it took to light the fuse in her.

"Why do it yourselves?" she said. "Isn’t there already labor ready-made?"

And so a perfect plan was bornโ€”my husband initiated the divorce, the lawsuit dragged on. In the end I gave everything to keep my daughter: I left with nothing.

Poor, cramped into a tiny rental, exhausted. The hunger to earn money grew like a pestilence inside me.

She appeared at the right moment.

She joined the company, got close to me, teased at the yearning in me, and taught me how to make money off the dead.

Then they’d never have to worry about being exposed. She only had to teach me verballyโ€”if the case ever surfaced, where’s the evidence? Who would know? Who could prove anything?

And that money would only be "temporarily stored" in my hands. When I’d earned enough, it would be harvest time for them. Trick me out here, let me die in this place, make me a missing person. They’d get the password and take everything with ease.

Even if later the company discovered Iโ€™d been making money off the dead and called the policeโ€”who would investigate them? Only me would be the wanted corpse. They could live as wealthy people at home on my money, pose to the media as grieving patriots calling for me to return and face justice.

"In the end, you’re just a crop we’ve cultivated," she said. "Now it’s harvest time."

She had thought of every detail. All that was left was for my daughter and me to die.

She smiled with smug satisfaction.

"I’ve told you enough. Your time is limited," she reminded me.

I bit my lip. "Let me out. Let me and my daughter go somewhere safe. Otherwise I won’t tell you anything!"

She chuckled with contempt. "Your time is limited. So is your daughter’s."

I stiffened.

"When I was in school I always wondered about a surgeryโ€”the frontal lobotomy."

"Do you know," she said, "when they buried you, your daughter screamed so loud it gave me a headache."

"I’ll find a sharp iron rod, shove it into her skull, fuck up part of her brain. Then she’ll be a obedient dog," she said with a smile. "Quiet as can beโ€”sell her and she won’t resist."

"Of course, there won’t be anesthesia."

"Wait…" I began, pleading, but she cut me off.

"Five minutes."

My head buzzed. My whole body shook.

"Your choiceโ€”talk or not."

Ignoring my frantic curses, she hung up.

I went mad, pounding the coffin.

Not a sound.

Goddamnโ€”goddamn it!

She had my daughter. That was why she could bury me without restraint. Because she had leverage.

The air in the coffin grew staler.

I bit my palm and forced myself to calm down and think.

One thing was crystal clear: I could not reveal the password. Once she got what she wanted, there would be no way she would spare my daughter and me.

I fumbled through the phone to the dialer.

I had no idea what Myanmar’s emergency number was. I tried 110, then 86110โ€”but all I got was a mechanical Burmese woman’s voice saying the number couldn’t be connected.

Stay calm. I must stay calm.

The embassyโ€”yes!

If I could get the phone number for the Chinese embassy in Myanmar and call for help, even if I had to turn myself in, maybe there was still a chance for me and my daughter.

But this old Nokiaโ€”no matter what I did, I couldn’t bring up any web pages.

Of courseโ€”why would this woman leave me with an internet-capable phone?

Damn, damn… I pounded the wood until my hands hurt.

Then the phone rang again.

I assumed it was my best friend and grabbed it in panic.

On the other end a man spoke in Burmese, stumbling through words.

I couldn’t understand a thing, and the number wasn’t my best friend’s.

"Help!" I blurted, hoping he might get English. "Help! We were kidnapped! Call the police!"

The man answered in Burmese gibberish. He didn’t seem to understand English at all. He kept speaking in Burmese; I hung up and flipped through the call log.

I had to try every numberโ€”if even one could understand English, we’d have a chance.

But the same number rang back.

I hung up again; I couldn’t find a way to block it, and it rang again.

I snatched the phone to answer; the man was still speaking incomprehensible Burmese. On edge, I snapped, "What the hell! Why do you keep calling?!"

He went silent for a beat. Then, in perfect Mandarin, he said, "Chinese?"

I froze.

He cleared his throat. "Never mind the language," he said. "Your child is with us. We’ll give you one hour. Transfer $100,000 to this card or we’ll kill her." He began rattling off a long string of account numbers.

My mind went blank. My child? In his hands?

I cut him off. "Wait! Are you sure? Sheโ€”"

He tutted. "You don’t believe me?"

A small girl’s crying came through almost immediately. It wasn’t clear, but at first blush it sounded like my daughter’s voice.

"Mommy, help me… they’re beating me…" the little girl’s plea said, indistinct.

Her cry was unclear. I froze, then realization dawnedโ€”I had to be careful. My daughter has aphasia. She can’t form sentences that clearly. I’d heard stories of this scam: people overseas pay to record children’s cries. The voices are generic; if the target doesn’t listen carefully, they mistake them for their own child.

It could be a scam.

"One hour. If you call the police we kill her," the man intoned, continuing his performance.

No matter what, this scammer was my only hope right now.

"Waitโ€”wait! Money’s negotiable! We’ll give you anything!"

"Good. No more words. Once the money’s in, we release herโ€”"

"Listen to me!" I interrupted. "I know my daughter’s not with you! I know this is a scam!"

"My best friend kidnapped my daughter. I don’t have much timeโ€”she can hurt my daughter any minute!" I stammered. "The problem is I’m buried alive in a coffin near a military outpost. I can’t get out."

"So only you can help my daughter now. Do you understand?!"

"Are you in the country or in Myanmar? …No, never mind. Call the Chinese embassy in Myanmar, call the Myanmar policeโ€”call everyone. Make them come get us! If my daughter is saved I’ll give you every penny I’ve madeโ€”there’s tens of millions!"

I was gasping for breath. Silence on the line stretched.

"Please…" I begged.

"Hold on…" he said.

He was clearly stunned. "You were buried alive, and then your daughter was kidnappedโ€ฆ"

"Yes!"

"And your kidnapper was your best friendโ€ฆ"

"Yes, it’s trueโ€”I made it through, it’s all real!"

He let out a long, incredulous sigh. "You sure can spin some yarnsโ€ฆyou’re in the same line of work?"

I shook my head through tears. "You can check. My name is Rachel Cheng. You do this for a livingโ€”you can find my records. Pleaseโ€ฆeven if you just give me a Burmese emergency numberโ€ฆ"

But the next second, he hung up.

Inside the coffin, silence fell again.

I thrashed my head in breakdown.

My chest felt heavyโ€”like the air was thinning.

There wasn’t time to dwell on that.

A frantic phone call cut through my thoughts like a death knell.

It was my best friend.

I answered, hands trembling.

"Time’s up," she said.

"No. Laura, don’tโ€”" I begged. "She thinks of you as a godmotherโ€”like another mother!"

"And?" she said.

I froze.

"I gave you time," she said.

I heard metal clanging on the other end.

My daughter’s wails of pain erupted through the line.

I knew she was drilling into my daughter’s skull with a sharp metal instrument.

I pounded on the coffin in a mad panic. "Stop! Stopโ€”"

"Last three seconds! It’s reaching her brain!" she shouted.

"Three."

"Two."

"Oneโ€”"

"I’ll tell you! I’ll give you the password!" I screamed through my tears.

I had no choice left.

I gave her a string of numbers.

She fumbled with things on her end for a moment.

"Opened," she said with a laugh. "You got what you wanted, now let him goโ€ฆhe’s his child too, don’t forget that!"

She ignored me.

"Two conditions," she said. "First, skulls are hard. I was only using an iron rod to clamp her fingerโ€”I was bluffing you. Second, your ex said he’d take the daughter back home and keep raising her."

"As for youโ€ฆsorry, you can’t live."

I hesitated. I had no choice.

"Okay, okay!โ€ฆJust keep her alive, Laura. She’s so good, you know she’ll forget all this as she grows upโ€”she won’t remember me."

Tears streamed down my face. "She has selective mutism. She can’t tell anyone about usโ€ฆshe’ll be a good daughter!"

I sobbed. "If you’re worried, let me talk to herโ€”I’ll tell her you didn’t hurt me, that I didn’t want her. She’ll give herself to you completely!"

How cruelly ironicโ€”who would have thought these would be my daughter’s and my last words.

But my best friend interrupted me. "And the child I’ll have with himโ€”what about that future?"

I was stunned.

On the other end she spoke a line in Burmese to someone I couldn’t see.

The music stopped. The vehicle rocked on a mountain road. They were in a moving car.

"Before we get there, I changed my mind. I’ll tell him his daughter was accidentally killed by the armed camp because she fought violentlyโ€ฆhow about that?" she said. "No one will be able to find evidence. A dead person can’t spill secrets."

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