Chapter 5: The Price of Desperation

Derek called the clinic. This time, the price had doubled. The receptionist, with her Jersey accent, rattled off a number that made Derek’s hands shake. They knew a desperate return customer when they saw one.

He looked at me, eyes wild: “Bro, can you spot me fifteen grand? I’ll pay you back—hell, I’ll double it.”

My jaw clenched. I’d heard this song and dance a hundred times. Over the years, Derek had borrowed money, skipped out on rent, and never once mentioned paying me back. This time, I was done.

I shook my head. “Sorry, man. All my cash is tied up in mutual funds.” I threw in a dramatic sigh, hoping he’d take the hint.

He pounced. “What fund? Gold? Gold’s been hot—you must’ve made a killing. Sell it, lend me thirty grand.”

I flashed fake screenshots showing I was losing money left and right. “I’m eating ramen three times a day, dude.”

Derek snorted. “See, told you not to gamble on funds. Now look—you’re broke. Don’t even think about asking me for money next time.”

The hypocrisy almost made me laugh out loud.