Siheyuan (courtyard house): My name is Shazhu!

"Zhu Zi, how much money should I leave behind?"

"How will we manage after the family splits up? Aren't we going to renovate?"

"The door inside the house was blocked with bricks, half of the wall was the same as before, and the other half was separated with wood. We opened the door from the window and lived separately."

We'll use one stove to save coal, and the coal costs will be split equally. We'll discuss the rest later when we each find someone else to help us.

My house used to be a storage room, and we also used it for cooking. The walls need to be repainted, and I'll have to live in a rain-damaged room for a few days. Yi Zhonghai's one million yuan will be given to me in a few days.

"You still have forty-two million?"

"Yes."

"Save 40 million. With Yi Zhonghai's 1 million, if we're frugal, it'll be enough for a year. Keep 2 million, spend a few hundred thousand on renovations, and keep the rest as a reserve."

"Okay, when do we go?"

"I'll hide the gold and silver dollars first; the bank isn't far."

Pretending to hide the gold and silver dollars, taking out a large satchel, and having Tan Guilan put the package inside and hold it carefully would make people immediately notice something was wrong.

"Rain, come back and wash your face, we're going out," He Yuzhu called to his sister.

"immediately."

He Yuzhu and his two companions strolled leisurely to the entrance of the Bank of China branch in Jiaodaokou. It was a simple courtyard house with a bank sign at the entrance and soldiers standing guard outside.

I heard they came to deposit money, and the soldiers let them through. The deposit location was in the main building, while the east and west wing rooms were other office locations, including the bank manager's office.

Upon entering the money deposit area, there were two desks pushed together, and two women were chatting, but no one was depositing money.

He Yuzhu and Tan Guilan sat down in chairs at a desk.

"Comrades, how much money do you plan to deposit?"

"Fifteen million."

"Forty million."

"Is the source legitimate?"

"That's normal. The money was left to me by my father. Aunt Tan received it after her divorce, along with some private compensation. The Nanluoguxiang Women's Federation can testify to this."

He Yuzhu knew that the person was a bank employee and was just doing his job by asking about the source of the money.

"You got divorced in Nanluoguxiang. Were you deceived by your husband for almost 20 years? You can't have children. Your husband is really bad. You should have taken all his money."

We were just talking about this; now we're processing your deposit.

"Comrade, is the annual interest rate for deposits here 45.6%?" He Yuzhu asked.

"Yes. Have you heard? Interest rates will drop next month. Previously, interest rates were high to attract people to save money and to address the issue of low interest rates."

"Now that society is stable and deposit interest rates are decreasing, they shouldn't be too low; 20% should be possible," the bank employee replied.

"We prioritize safety; we don't feel secure leaving the money at home, so the higher the interest rate, the better."

"Comrade, you have a good awareness. It's not as safe as a bank at home, but you still get paid. It's only right. Go back and help us spread the word."

"Okay. If your term expires next year, will it be calculated as a fixed deposit or a current account? Do you have longer fixed deposits?"

"Comrade, you seem to know a lot about bank deposits. We only have one-year fixed deposits, which will become current accounts after one year. We'd like to renew our fixed deposits."

"Understood, thank you."

When you open a bank account now, the passbook is still handwritten and there's no password. However, there's a password that isn't really a password: your name.

He Yuzhu was saving money for He Yushui. The passbook was signed and fingerprinted by He Yushui herself. The money was for her dowry when she got married, and it was also to reassure Aunt Tan and put her mind at ease.

He Yushui could write her own name and thought pressing her handprint was fun. She wanted to press it on the bankbook a few more times, but she didn't dare. She glanced at her brother and had no choice but to give up pressing her handprint.

Aunt Tan's fingerprint is accompanied by the character "兰" (Lan), but she doesn't know how to write the other two characters. They are located in the depositor's section of the passbook.

As for the number of digits in the password, there is no answer.

After completing the deposit, walk out of the bank.

"Zhu Zi, you've saved a lot of money for Yu Shui? Is it her dowry when she grows up? The bank's interest rate is pretty good; I can earn an extra 15 million a year." Tan Guilan was very happy, earning more than 40% for free each year.

Fifteen million is no small sum, and even ten million is a huge amount for ordinary people, enough for her to live on her own for more than ten years.

"The dowry I saved for Yushui is now paying high interest rates. I don't have many places to spend the money, and I still have more than two million yuan in hand, enough for us to live on for a year. I can say that I've graduated and have my own income."

If something really happens, you can withdraw the money, but the interest on a fixed deposit will be reduced to that of a current account, and since the amount is small, you'll suffer a loss.

Ten years later, Yushui will get married and have at least 30 million yuan, which will be a considerable dowry. That would be great.

The interest rate on our savings has been decreasing, and even if it drops to 3% in the future, you'll still have an income of over two million a year, which is enough to support yourself. With the money Yi Zhonghai gave you, you could easily raise two children now.

"Brother, I'll stay with you and never get married." He Yushui shook her head like a little rattle.

"Men should marry when they are of age, and women should marry when they are of age. Yu Shui will understand when she grows up." He Yu Shui was still young, so He Yu Zhu didn't say much more.

"You're really good to Yu Shui. It's rare to find a brother like you. I never thought I could earn so much money for free by depositing money in the bank."

If I had known that my income could reach over ten million, I would have saved the money in the bank much earlier.

"Zhu Zi, I've finished what I needed to do. I'm going to find a renovation contractor to finish up the house. Where are you and your siblings?"

"Keep your passbook safe. If you lose it, tell the bank as soon as possible that you can come back here after June 11th next year to renew your one-year fixed deposit with a higher interest rate."

It's too hot, let's go back. Goodbye," He Yuzhu replied.

"goodbye."

He Yuzhu took Tan Guilan to deposit money. Yi Zhonghai didn't go to work and went to the deaf old lady's house.

"Xiao Yi, things have been exposed. You must have lost a lot of money, right?"

"It's all gone. I've worked hard for over twenty years, and all I have left is a little over 600,000 yuan. All the other money, gold, and silver dollars are gone. I'm not reconciled."

It must have been Sha Zhu's idea. Tan Guilan has been going to his house constantly these past few days, and even sleeping in He Yushui's house. He told Tan Guilan that I can't have children and that I must never let him go.

"It wasn't Zhu Zi who betrayed him, it was Xu Fugui. I asked Zhu Zi this morning, and he denied that he was the one who betrayed him. I could tell he wasn't lying, and he's not that kind of person."

Yesterday, when you got into trouble, I thought about it too. Among the people in the compound, only three families might have informed on you. I ruled out Liu Haizhong first; he's an incompetent fool and a good-for-nothing.

In the morning, the pillars were eliminated. Only Xu Fugui remained. Don't underestimate him. He has followed Lou Bancheng for over twenty years. He is a cunning and ruthless man. Given the opportunity, he will definitely make his move.

Zhu Zi must have given Gui Lan some advice. Actually, it's a good thing. It lets you spend money to avoid trouble, which also keeps your job and prevents any major stain on your record.

As for reputation, sigh, Xiao Yi, this is difficult. This time it's not like last time; it's truly your fault. You can only endure it and wait for another opportunity. It's troublesome. The deaf old lady knew perfectly well whose fault it was that she couldn't have children.

"It's Xu Fugui. How come I didn't think of him? This man is wicked and cunning. No matter what, I can't let him go, including He Yuzhu." Yi Zhonghai's expression was vicious.

"Xiao Yi, you can't make any more enemies now. It won't do you any good. You have a high salary, and the people in the compound are all watching you."

After He Daqing left, Xu Fugui had no enemies. If something happens to him, he'll easily think of you. The same goes for Zhu Zi; if it's not you, it'll be Jia Dongxu.

"You stay calm and wait for Jia Zhangshi to be released from prison. Let her cause trouble and muddy the waters of the courtyard, then you can look for an opportunity." "The deaf old lady is vicious."

"Phew~, listen to the old lady, we'll deal with them sooner or later." Yi Zhonghai wouldn't give up on his idea.

"From now on, be extra careful in everything you do."