Maximize Interest, My Money Grows Infinitely-Chapter 5 - Listen to Sister’s Advice

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The first glimmer of dawn was just appearing on the horizon as Chen Cheng groggily opened his eyes.

He stared at the unfamiliar ceiling above, then sat up to take in the somewhat familiar surroundings. "This is... Meier's house!"

A throbbing post-drink headache came from the back of his head, prompting him to rub it and try to sober up a bit.

Good news, his shoes were clean;

Bad news, his clothes were still on.

He tried to remember what had happened the night before, feeling like it was all just a dream.

Yet the items around him and the very real money that had appeared in his account told Chen Cheng that it was all true.

There was already the sound of boisterous bragging coming from downstairs; Chen Cheng knew that Xiao Meier's noodle shop had already started its morning business.

He put on his shoes and floated down the stairs.

"Up and about? I thought you'd sleep in a bit longer."

Busy tending the noodles, Xiao Meier glanced at Chen Cheng standing at the top of the stairs, "Go wash your face, I'll make you a couple of poached eggs."

And with Chen Cheng's appearance, all the regulars at the shop were green with envy.

After all these years, Chen Cheng was the first man to come down from that attic.

"Are they a thing now?"

"That can't be right! Meier never mentioned having a man!"

"I'm so pissed..."

The chatter filled the air, all of it reaching Xiao Meier's ears.

Not one to tolerate nonsense, she brandished her long chopsticks like a sword and declared loudly: "If I have the guts to keep him over, I'm not afraid of your gossip!"

Chen Cheng casually said, "I've made the bed."

And with those words, the shop erupted in chaos.

"Damn, the best-looking boss lady under the Big Willow Tree has been snagged by this kid!"

"I can't even finish my noodles!"

"In what way am I worse than him?!"

"Ain't that the truth? Man, comparison really is the thief of joy!"

Amidst envious gazes, Chen Cheng went to the tap, haphazardly splashed his face, and felt significantly more awake.

Xiao Meier cracked two eggs into the slightly boiling water; she turned to look at Chen Cheng's bloodshot eyes and asked with concern, "Didn't sleep well?"

"Must be the alcohol still wearing off."

"Have something sweet, it helps with the hangover." Xiao Meier added two spoonfuls of sugar to the bowl, "There's a cup of coffee in the freezer, instant 3-in-1; don't scorn it."

"Meier, stop it with that!" Chen Cheng chuckled, "But coffee with sweet poached eggs, I've grown up and this is the first time I'm unlocking this secret breakfast option."

Hearing this, Xiao Meier couldn't help but laugh, "You clown, always joking around. The coffee is to wake you up; the poached eggs are the breakfast."

She pointed towards a table by the door, "Sit there, I'll bring it over to you in a bit."

Chen Cheng took a seat, and just as his bottom touched the chair, Feng Biao arrived.

Looking every bit as hungover, he ordered, "Meier, one bowl of noodles. Extra toppings."

After speaking, Feng Biao noticed Chen Cheng, who had arrived earlier.

"Man, you're fast!" Feng Biao pulled out a cigarette pack and offered one to Chen Cheng, "What time did you get here?"

"You could smell the food and had to come too, right?" Chen Cheng, recalling the events of last night, waved his hand, "I'll pass."

"Quitting?"

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"I quit."

Feng Biao lit a cigarette, "Where did you crash last night?"

He glanced at Chen Cheng and heard the chattering in the store, he couldn't help swearing, "Damn, did you really sleep with her?"

"I did." Chen Cheng nodded.

Feng Biao was so frustrated that the cigarette he had just lit was nearly crushed.

"I said, why didn't you crash at my place! So you went to Sister Meier's instead!"

Chen Cheng replied, "Can you stop thinking about those nasty things all day? I slept upstairs, Sister Meier slept downstairs."

Feng Biao finally breathed a sigh of relief, his smile returning, "That's more like it! Sister Meier, she's the goddess of my entire youth! If you, little punk, ruined her, I'd grind down my molars!"

"You're married, what's there to grind? Aren't you afraid Yingzi will find out?!"

Chen Cheng leaned in and asked in a low voice, "Have you got the car thing sorted out?"

Feng Biao stopped joking, "I checked, your car can get a loan of 110,000. I got the interest rate down to 3.5 percent, and you don't even need to pledge the car, am I a good friend or what?"

Chen Cheng's eyes lit up, considering that the usual interest rate at Feng Biao's dealership was around 1 percent, equivalent to an annual rate of 12%.

This 3.5 percent interest rate translated to barely 4.2 percent annually, almost matching bank loan rates.

Compared to Chen Cheng's current daily interest rate of 5 percent, this was nothing.

"How soon before I get the funds?" Chen Cheng asked further.

"It's usually within two working days." Feng Biao said, "But, considering our relationship, shouldn't I expedite it for you? Don't worry, sign the contract later and the money will be in your account this afternoon!"

At this moment, Xiao Meier came over with poached eggs and noodles, just in time to overhear their conversation.

She looked at Chen Cheng with a worried expression, "A loan? Xiao Cheng, what do you need a loan for?"

Chen Cheng smiled to reassure her, "Sister Meier, don't worry, I just need some capital to keep things flowing."

However, Xiao Meier was not reassured. She frowned and pressed, "Xiao Cheng, what exactly is troubling you? Why do you need so much money?"

Chen Cheng knew he couldn't deceive her, so he repeated the same excuse he had given to Feng Biao yesterday.

"Come with me." After listening, Xiao Meier's worry deepened, she turned around and said to Feng Biao, "Shu Biao, keep an eye on things here."

Feng Biao nodded in agreement, but as he watched the two heading upstairs, he couldn't help but murmur to himself, "Why are they being so noticeable early in the morning? Did they really sleep separately?"

The two went up to the attic again. Just as Chen Cheng was about to explain, Xiao Meier opened the wardrobe and took out a biscuit tin.

She walked up to Chen Cheng, opened the tin, and took out a bank card, "Xiao Cheng, it's been twelve years since I came to Big Willow Tree, and I've saved just this hundred thousand."

"You're in a pickle now, take it and use it first." She spoke sincerely, "Don't go for any loan against collateral, paying that unnecessary interest, it's just not worth it."

This slim card embodied countless early mornings and late nights of Xiao Meier's life, and even more so, her deep affection for Chen Cheng.

"Sister Meier, I can't accept this money." Chen Cheng hurriedly gestured no.

"Xiao Cheng, just take your sister's advice," Xiao Meier's tone had a touch of insistence, "Let's get through this difficulty first. It's not like I'm giving you the money for nothing, you can pay me back when you're a bit more stable."

Chen Cheng, looking into Xiao Meier's resolved eyes, felt an even stronger warmth in his heart.

He knew very well that Xiao Meier genuinely wanted to help him, and her friendship was worth more than money.

Chen Cheng took a deep breath and said seriously to Xiao Meier, "Sister Meier, I appreciate your kindness. But I really can't take this money."

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Xiao Meier frowned slightly, not understanding, "Why? Tell me, are you worried you can't pay it back? Don't worry, sister won't press you, just pay back when you can."

Chen Cheng shook his head, "Sister Meier, I'm not worried about not being able to return it."

"Then why won't you take it?"

Chen Cheng looked into her tender eyes, "Sister Meier, this money, you scraped it together bowl by bowl. It wouldn't feel right in my heart."

Hearing this, Xiao Meier's gaze gradually softened.

She said, "Once I've made a decision, nobody can change it. Once the early market is over, we'll go to the bank to transfer the money."