Urban System in America-Chapter 80 - 79: WHERE ARE MY 100 MILLIONS?

Rex stepped into the house and hurried to his room and shut the door behind him with a soft click. The late afternoon light filtered through the blinds, casting angled shadows on the floor as he toed off his shoes. He moved quietly, like someone tiptoeing through a memory. A sense of peace hung in the air, embracing him after the exhausting pace of the day.

But now wasn’t the time for this.

He walked over to a corner beside a desk where his computer was placed. There, he knelt beside a locked drawer. With practiced care, he pulled out a worn leather pouch tucked beneath layers of old tax folders. Inside were the credentials: the USB security key, a laminated ID, and a small notepad containing login info, carefully written in the neat handwriting of the previous Rex.

The previous version of him—had done everything by the book. He had consulted with professionals and top-tier tax lawyers and financial planners, dealt with legal formalities, paid what was necessary, and avoided what wasn’t. It had taken months, but he’d cashed out their insurance policies, liquidated their stocks, closed out their 401(k)s, received money by selling their company’s stock and navigated the labyrinth of inheritance laws.

He had emerged from it all with a net worth of 102.467 million dollars—a sum that was staggering, life-changing, and most importantly, Rex’s greatest safety net. His foundation. His one fallback if everything else went to hell.

He booted up the desktop with a flick of the switch, slipping the USB key into the port and opening the browser. His fingers danced over the keyboard as he logged into the private banking portal. The loading screen hung for a second too long, making his chest tighten with unease. Then, finally, the dashboard came into view.

Then, his heart skipped a beat.

The screen displayed:

Available Balance: $1,024,673.89

His eyes froze. For a moment, he didn’t blink.

"What the...?" Rex blinked. Refreshed the page. Once. Twice. A third time. Still the same.

A cold wave of panic washed over him, leaving him breathless.

Where was the rest?

He stared at the screen, trying to will the numbers to change. It wasn’t a small discrepancy. This wasn’t about a few miscalculated interest payments or a mistaken withdrawal. One hundred million dollars didn’t just vanish.

He hurriedly checked the history, but no suspicious transactions showed up. No wire transfers, No large transfers. No foreign access locations. Nothing. Nothing that suggested foul play. Still, his throat felt dry, and sweat started forming on his brow. His mind raced through worst-case scenarios.

Was it a cyberattack?

Had he been hacked?

Had someone—somehow—stolen his inheritance?

The more he thought about it, the more his heart raced, suddenly thinking about something.

He hurriedly pulled out his phone and dialed the bank’s premium customer service hotline, the one specifically reserved for high-net-worth clients.

His fingers trembled as he grabbed his phone. He began pacing the room, one hand gripping his hair while the other held the phone to his ear. His heart thudded like a war drum.

Ring... ring... click.

It connected almost immediately, but even those few seconds felt like hours.

A calm, slightly sweet voice answered on the other end. "Good afternoon, sir. This is Alyssa from Pioneer Private Banking. How may I assist you today?"

"Yeah, hi—hi," Rex said, barely keeping the urgency from cracking his voice. "I need help. I think there’s been a massive error. I had over a hundred million dollars in my account, and now it’s showing just one million. No transactions. No logs. I don’t understand what’s happened."

There was a pause on the line. "I—I’m sorry, sir. Did you say 100 million is missing?" fɾēewebnσveℓ.com

"Yes!" Rex snapped, then took a breath to control his tone. "I’m not seeing any withdrawal history. It doesn’t make sense."

The voice on the other end went stiff with tension. "Sir, I... that’s quite significant. Please give me one moment to verify your details and check the account activity. Could I have your full name, account number, and the last four digits of your social security number for verification?"

Alyssa went silent except for the quiet clatter of a keyboard.

"Please give me a moment," she said, her voice suddenly tenser. "I’m checking our records now."

He could hear the urgency in her typing. Somewhere in the background, he thought he heard her murmur something to a colleague. Rex continued pacing, his footsteps sharp on the floor. His mind raced with every worst-case scenario. Was it a system error? Internal fraud? Could someone on the inside have manipulated the account?

Rex paced across the room while rattling off the details, phone wedged between shoulder and cheek. He hadn’t felt this anxious since waking up in this world—his hands trembled slightly, and the weight in his chest pressed deeper.

If something had truly happened to that money... then all of his plans, his careful strategies, even the upcoming stock operation based on the system’s insider knowledge—they would all go up in smoke.

This wasn’t just a hiccup. This was big—big enough that even the whole bank would be shaken. If the funds were truly missing with no record of disappearance, then it wasn’t just Rex’s problem. It was a scandal. One that could ruin reputations and trigger investigations.

After some time, he finally stopped pacing, standing frozen in the center of the room.

"Please... please let this be a glitch," he whispered to himself, staring blankly at the monitor.

Alyssa’s voice returned after a minute. "Thank you for your patience, Mr. Rex. I’ve accessed your account history... and, um, I think I see what happened."

Rex stopped mid-step. "What do you mean?"

"Well, according to the system logs, approximately 100 millions of your funds were transferred to a tax-saving Fixed Deposit account... by you, sir."

"...Me?" Rex was shocked, he didn’t remember doing anything like that.

"Yes." Alyssa continued. "The transaction was authorized under your credentials and signed digitally. The deposit is currently locked under a five-year tax-saving scheme."

Rex felt like he’d just been slapped by invisible hands. "Wait—wait—what the hell is that? What’s a tax-saving Fixed Deposit?"

Alyssa’s voice grew gentler, sensing his confusion. "Certainly, Mr. Rex. A tax-saving Fixed Deposit is a long-term savings product. You invest a lump sum amount, and in exchange, you receive tax exemptions under Section 80C of the Income Tax Act. But it comes with a five-year lock-in period, meaning the funds cannot be withdrawn or transferred until maturity—unless there’s a court order or extremely specific legal exemptions."

Rex sat down slowly in the chair, the leather creaking beneath him. His brain started clicking things into place. "So... the money isn’t gone?"

"No, not at all, sir. It’s still yours. Just... currently unavailable. The funds are held securely, and you’ll earn fixed interest on the amount. You can choose whether to have the interest credited annually or at the end of five years. In your case, it’s set to maturity payout."

Rex rubbed his temples. "And I did this?"

"Yes, sir," she said gently. "According to our records, the deposit was made nearly six months ago."

He exhaled slowly, the tension in his shoulders ebbing—but only slightly. It wasn’t stolen. It wasn’t gone. But it might as well be for the next five years.

Five years.

He stood up and started pacing again, this time slower, more contemplative than panicked.

It made sense. The previous Rex had probably been advised to lock away the majority to reduce his tax liability, especially considering the size of the inheritance. A smart move in the long term. But...it left him with just one million in liquidity as he had already spent the remaining one million on alcohol.

And if he includes the money remaining $55k from the one system had given him previously, it would be 1,079,673.00

Still a lot of money to most.

But for someone about to gamble on a ten-day window of insider knowledge, it felt razor-thin.

"Alyssa, just to confirm... there’s no way to unlock it?"

"Unfortunately, not, sir. It’s a government-backed structure. Breaking it early would result in heavy penalties and, in most cases, legal action unless you have exceptional cause—medical emergency, court-mandated seizure, or similar."

"Right. Got it. Thanks... I appreciate your help."

"You’re welcome, Mr. Rex. If you have further questions, feel free to reach out anytime."

The call disconnected with a soft chime.

Rex placed the phone down and stared at the monitor again. One million. That’s what he had.

The silence in the room deepened as he sank back into his chair, his mind spinning. He couldn’t help crying without tears, He went from a full Hundred million to just one million.

Who would have thought that previous Rex would suddenly pull out this move, and honestly it was damn infuriating, but... he really couldn’t do anything about it as previous Rex only did what was best for him and honestly it was also his fault, he should have checked the money beforehand but he didn’t.

He had always assumed that the money was in a bank account...well it was his mistake, who would keep so much in a bank account, it seems like poverty really limited his imagination.

Consoling himself slightly he decided to look positively. This wasn’t ideal—but it wasn’t game over either. He still had two days before the pharmaceutical stock would explode. The system had confirmed it: a small firm, barely known to most of the public, was going to announce a revolutionary weight-loss drug that would shake the industry.

A 1000% surge. Institutional backing. Media frenzy. Public euphoria.

Thinking about it, he didn’t need 100 million to make his mark.

Just one well-timed, discreet move. Just enough to buy big while it’s quiet... and sell before the storm dies down.

One million might just be enough... enough to make a windfall, but again thinking about his hundreds of millions, maybe even billions if he is lucky

He clenched his chest dramatically.

"Oh god," he groaned. "I could’ve been a billionaire."

He felt pain in his chest, deep... deep into the soul.

Rex leaned back, hands clasped behind his head, staring at the ceiling as the afternoon soon peaked through the slits in the blinds.

"Guess I’ll have to play this smart," he murmured to himself, albeit a bit sourly. "Thanks, old Rex... for locking away your fortune."

"Now I’ll earn mine."

And a slow, calculating smile spread across his face, as he slowly recovered and gained his confidence back.

Anyway, it wasn’t too bad, using these over one million he could take all the risk he wanted and if he could make a windfall then it would be his hard-earned money and even if he couldn’t... Well, he’ll have to eat north wind for five years.

Anyway, these Hundred million would be his ultimate fallback, as no matter what happens, he would still have them.

So, turning around he focused his attention on the slight stock fluctuation of Trivaxa Pharmaceuticals.

(End of Chapter)