“I’ve decided we don’t need a mortgage. What do we need an apartment for? I’m the husband! I made the decision!” Ivan still hoped his wife would support him

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Veronika placed the bundle of cash on the table and smoothed it with her palm, as if protecting it. Two hundred thousand for her father’s garage, and three hundred thousand for his old Volga. Half a million — a number that smelled of hope and a new life.

“Ivan, look,” she said, pushing the money closer to her husband. “Dad agreed. He offered it himself. He said the grandchildren need their own apartment, not corners in rented places.”

Ivan picked up the bundle and flipped through the bills with his thumb like a deck of cards. His eyes turned oily, greedy. Veronika didn’t notice — she was looking at a printout from the bank’s website.

“A two-room apartment on Lomonosov Street, did you see the listing?” She turned her phone toward him. “This covers the down payment perfectly. Mortgage for fifteen years, monthly payment — twenty-seven thousand. We can handle it, right?”

“We can,” Ivan nodded, slipping the money into the inside pocket of his jacket. “I’ll stop by the bank tomorrow and find out what documents we need.”

 

Veronika hugged him from behind and pressed her cheek against his shoulder. She believed him. She believed the way only people believe when they have waited for a long time and finally see the shore ahead.

“You know, Dad nearly cried when they took the Volga,” she said quietly. “He drove it for twenty years. He did this for us.”

“I understand,” Ivan replied without turning around. “Everything will be fine.”

He left early, before Veronika even woke up. On the nightstand there was a note: “I’ll be back by lunchtime. Sorting things out with the bank.” She smiled and went to cook porridge for the children.

He returned around three in the afternoon. Veronika heard an unfamiliar engine sound under the windows and looked out. A white crossover was parked in their spot, and Ivan was walking around it, stroking the hood.

“What is that?” Veronika asked, stepping out onto the stair landing.

“Come down, I’ll show you!” he shouted from below, in the voice of a man who considered himself victorious.

She went down. Her legs carried her on their own, though her mind had already understood everything. She stood in front of the car and could not move.

“Ivan. Tell me you took it for a test drive.”

“Nika, listen,” he said, raising his palms like someone trying to calm a wild animal. “I calculated everything. A mortgage is slavery. Paying a bank for twenty years is madness. But a car is an investment. I’ll be able to earn extra money, transport goods, and in a year we’ll double that amount.”

“You bought a car,” she said in a flat voice. “With my father’s money. You bought. A car.”

“Not only with that money,” he quickly added. “I also took out a loan and paid the difference. A good interest rate, by the way.”

Veronika took one step back. Then another.

 

“Yesterday you looked me in the eye. You nodded. You said, ‘We can handle it.’ And today you’re standing here, stroking a hood bought with money my father got by giving up something he had kept for twenty years.”

“You’re being dramatic!” Ivan raised his voice. “This is a sensible decision. We can keep renting an apartment, but nowadays you can’t get anywhere without a car. You should support me.”

“I should?” Veronika shook her head. “I should? So my father sold his things so you could drive a white crossover?”

“Nika, don’t start,” he said, turning away. “I’m tired of explaining obvious things.”

“Obvious?” She stepped close to him. “You’re a thief, Ivan. You stole from your own family.”

“Enough!” he barked. “I’m the husband! I make the decisions! The money was ours!”

“The money was my father’s,” she cut him off. “And you know it.”

Ivan got into the car, started the engine, and drove away. He simply left, abandoning her in the parking lot in house slippers, her eyes wet with tears.

That evening she called her father. He took a long time to answer. When he finally did, she heard his voice — calm, trusting — and she couldn’t do it. She said everything was fine. That the bank had approved their application. That they would soon start looking at apartments. Then she hung up and covered her face with her hands.

Galina Petrovna arrived the next day. Veronika had called her during the night, when Ivan still had not come home. She told her everything — without embellishment, without tears, in a dry, frozen voice.

“Veronika, my dear,” Galina Petrovna said, sitting across from her at the kitchen table. “I’m not going to defend him. I’m ashamed. I’m so ashamed of him that I didn’t sleep all night.”

“Galina Petrovna, I don’t know what to do,” Veronika said, staring at the table. “I lied to my father. I don’t trust Ivan anymore. And the children keep asking why Mom doesn’t smile.”

“I’ll talk to him,” Galina Petrovna said firmly. “He’ll come home, and I’ll talk to him.”

Ivan came back that evening. When he saw his mother, he froze in the doorway. His face turned to stone.

“Mom, why are you here?” he asked in the tone of a man caught at the scene of a crime.

 

“Sit down,” Galina Petrovna said, pointing to a chair. “Sit down and explain to me what you’ve done.”

“She already complained to you, didn’t she?” he said, nodding toward Veronika. “That was quick.”

“Ivan,” his mother’s voice turned icy. “You took money from the sale of someone else’s property. Not yours. Someone else’s. Veronika’s father gave up what belonged to him — for your children. And what did you do?”

“I bought a car!” he snapped. “A normal man’s decision. A family needs a car, not a twenty-year debt to a bank!”

“A family needs a roof over its head,” Galina Petrovna stood up. “And you bought yourself a toy. Return the money.”

“I can’t,” he spread his hands. “The car is registered. The loan is signed. There’s no going back. And I don’t want to go back. It was the right decision, and in six months both of you will thank me.”

“We won’t,” Veronika said quietly from beside the wall.

Ivan jumped to his feet.

“You know what? I’m sick of this! Everyone around me is smart, and I’m the only fool! My wife whines, my mother comes to lecture me! What else, should I get down on my knees?”

He grabbed his jacket and slammed the door so hard the frame shook.

Galina Petrovna was silent for a minute. Then she turned to Veronika.

“I have a dacha. In Perelesye, remember? Six acres, a little house, a bathhouse. I’ll sell it.”

“No!” Veronika lifted her head sharply. “Galina Petrovna, no. That’s yours. It’s for you.”

“It’s for my grandchildren,” she said firmly. “A dacha is boards and soil. Children are life. Tomorrow I’ll call the buyer. He’s been asking about it for a long time.”

Two weeks later, Galina Petrovna brought the money. Four hundred and eighty thousand. She placed it on the table in front of Veronika — on the same spot where her father’s money had once lain.

“Take it. And don’t even think of giving it back.”

Veronika hugged her. Tightly, silently, until it almost hurt.

Ivan found out that same evening. Veronika expected anything — shame, gratitude, at least silence. But he came in and the first thing he said was:

“She sold the dacha? Why? Nobody asked her to!”

“She did what you should have done,” Veronika replied.

“She set me up!” Ivan paced around the room like a caged animal. “Now everyone will think I’m some worthless loser whose mommy had to save him!”

“And aren’t you?” Veronika asked calmly, looking straight into his eyes.

He stopped. Came close. Towered over her.

 

“Say that again,” he hissed.

Veronika stood up. She was a head shorter than him, but at that moment she seemed taller.

“A worthless loser,” she repeated clearly, syllable by syllable. “One who stole from his father-in-law and from his own mother.”

He grabbed her by the shoulder. Roughly. Painfully. And then Veronika swung her hand and slapped him across the face — a sharp, ringing slap that snapped his head to the side.

Ivan recoiled. He stood there with his palm pressed to his cheek, staring at her as if he were seeing her for the first time.

“Don’t touch me,” she said. “Ever. Again. Don’t touch me.”

He left. This time he didn’t slam the door. He slipped out quietly, almost like he was sneaking away.

A month passed. Ivan lived in his white crossover — almost literally. He slept at friends’ places, at acquaintances’ places, sometimes in the car itself. He came home only to pick up his things and left without a word. Veronika did not speak to him. Galina Petrovna did not either.

The call came on Thursday morning. An unfamiliar number. A woman’s voice from the insurance company.

“Veronika Dmitrievna? Your husband has been in an accident. He is alive, with bruises and scratches. But the vehicle cannot be repaired.”

“What happened?” she asked.

“He ran a red light. Collided with a truck. Your husband was at fault. There will be no insurance payout under his policy, since the traffic violation was confirmed by cameras.”

Veronika hung up. She sat there, staring at the wall. No joy, no satisfaction — only emptiness where something alive had once been.

Ivan called her himself two hours later.

“Nika,” his voice was hoarse and shaking. “I need help.”

“What kind of help?” she asked evenly.

“The car is wrecked. The insurance refused to pay. And I still have the loan. One hundred and twenty thousand left. I have nothing to pay with. Nika, please.”

“Please what?”

“Help me. Give me money. Temporarily. I’ll pay it back.”

“Like you paid back my father’s money?”

Silence. Long and heavy, like a lead blanket.

 

“I see,” he said at last. “You won’t help me.”

“You understand correctly,” Veronika replied and ended the call.

Then he called his mother. She answered, listened, and said only one sentence:

“You had a home, a family, and half a million. You turned it all into a pile of metal. Deal with it yourself, Ivan. I’m turning off my phone.”

Ivan stood at the impound lot beside what had recently been his white crossover. The hood was crushed like an accordion, the left fender was pushed inward, and the windshield was gone. The beautiful half-million-ruble toy had turned into a cube of pressed iron.

He called Veronika again.

“Nika, I know I’m guilty. But the children… We can’t be like this.”

“The children are with me,” she answered. “The children are fine. For the first time in a month, they’re sleeping peacefully, because no one is slamming doors and shouting that he’s in charge here. Don’t call me again, Ivan. I filed for divorce.”

“You can’t!” his voice broke.

“I can now. And I already did. You’ll receive the papers tomorrow.”

The studio apartment on the fourth floor of the new building was thirty-two square meters, with high ceilings and one huge window. Veronika stood in the middle of the empty room and breathed. Simply breathed.

Galina Petrovna’s money had been enough to buy this studio without any mortgage. It wasn’t the two-room apartment on Lomonosov Street, no. But it was hers. Entirely, fully, undeniably hers.

Galina Petrovna brought the children an inflatable mattress and three bags of bed linen.

“How are you?” she asked, placing the bags by the doorway.

“Alive,” Veronika smiled. “For the first time in six months — alive.”

“He texted me yesterday,” Galina Petrovna said, sitting on the windowsill. “Do you know what he wrote? ‘Mom, buy me lunch. I’ve been eating instant noodles for three days.’ A thirty-two-year-old man, and he writes to his mother, ‘buy me lunch.’”

“Did you?” Veronika asked.

“No,” Galina Petrovna shook her head. “I replied, ‘Sell what’s left of the crossover and buy yourself lunch.’”

 

Veronika snorted. Then she laughed. Galina Petrovna laughed too.

“He’s selling it,” Galina Petrovna added after a pause. “For parts. Headlights, bumper, some other things. He scraped together about forty thousand. He needs one hundred and twenty. Still far off.”

“I don’t feel sorry for him,” Veronika said quietly. “I thought I would. I waited for that feeling the way people wait for a train. But it never came.”

“And it won’t,” Galina Petrovna nodded. “Pity dies where respect dies. He killed it himself.”

That evening, Veronika called her father. This time, not to lie.

“Dad, do you remember I told you we had arranged the mortgage?”

“I remember,” he answered cautiously.

“I lied to you. Ivan spent the money on a car. Then he crashed it. We’re divorced. And I bought a studio apartment — with my own money.”

A pause. A long one.

“What do you mean, your own money?”

“Galina Petrovna sold her dacha and gave me the money. I didn’t ask, Dad. She did it herself.”

Her father was silent for so long that Veronika thought the call had dropped.

 

“Dad?”

“I’m here. Tell Galina Petrovna… Tell her I owe her. Not money — something human. She’s real.”

“I’ll tell her.”

“And tell Ivan… No. Don’t tell Ivan anything. To me, he is an empty place.”

Veronika hung up and sat on the windowsill. Behind the wall, the children were breathing softly in their sleep. An inflatable mattress lay on the floor. Three boxes of belongings stood in the corner — everything she owned. A big studio, a big life. But an honest one.

And a week later, something unexpected came to light. Ivan, trying to gather money for the loan, listed the wrecked car for sale as a whole — for ninety thousand. A buyer appeared quickly. He came, inspected it, paid in cash. Ivan took the money to the bank. He sighed with relief. But the next morning, the bank called and told him the bills were counterfeit. Every single one. The buyer, of course, had disappeared. His phone was switched off. And Ivan was once again left with debt, without a car, without a family, without a roof over his head — with a handful of worthless scrap metal and a loan ticking away like a time bomb.

Veronika heard about it from Galina Petrovna. She listened. Fell silent. Then said:

“You know, Galina Petrovna, there’s such a thing as a boomerang. It always comes back. Always. Sometimes — in the form of fake bills.”

Galina Petrovna sighed.

 

“I loved him, Veronika. I raised him alone. I gave him everything.”

“I loved him too,” Veronika replied. “But love is not a license for cruelty.”

She hung up, went over to the children, and adjusted the blanket over her eldest daughter. A big studio, a big life. But her own. Suffered for, fought for, torn out with her teeth from the stone jaws of circumstance. And no Ivan in the world would ever take it away from her.

And Ivan sat on a bench outside someone else’s building, scrolling through room rental ads on his phone — and for the first time, he understood the true price of that white crossover.

It had turned out to be monstrous.

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