Chapter 4 - The Red Decline

By Saturday afternoon, seventy-two hours after Katherine had walked out the door, the Oakmont mansion was beginning to feel less like a palace and more like an elegant tomb.
The house was cold. Unseasonably brisk autumn winds battered the exterior, and when Richard had attempted to turn up the central heating via the smart home console in the hallway, the digital screen had glowed with an ominous gray error: *SUBSCRIPTION SERVICES FOR NEST PRO-HVAC TEMPORARILY SUSPENDED. CONTACT SERVICE PROVIDER.*
Evelyn was wrapped in two cashmere shawls, sitting on the sofa, her lips painted an agitated shade of plum. "This is preposterous, Richard! Call the company! Call the power company! I am an elderly woman, and I will not freeze in my own drawing room because some utility clerk made a clerical mistake!"
"I've been on hold for three hours, Mother!" Richard snapped, his temper frayed to a razor’s edge. His eyes were bloodshot. He hadn't slept.
Every single attempt he had made over the last forty-eight hours to utilize his normal lines of credit had failed. The country club pro shop had politely informed him that his club charge privileges were temporarily frozen pending receipt of the annual $35,000 membership assessment—an assessment Richard had assumed was paid automatically every January.
"It’s Katherine," Evelyn hissed, narrowing her eyes. "She went down to the local branch and took her name off the accounts out of spite. She’s trying to starve us out, Richard! Go down to the bank right now, pull out five thousand dollars in cash, and pay these people! Show her that we don't need her permission to buy groceries!"
Richard gritted his teeth. "You're right. She took her little administrative name off the joint accounts. I’ll just go down to the private banking branch, pull the cash from my executive account, and deal with the lawyers on Monday."
He grabbed his keys, stomped out to the garage, and climbed into his silver Porsche 911. He pushed the ignition button. The engine roared to life with a satisfying purr, slightly soothing his battered pride. *See?* he thought to himself. *The car works. The house is standing. I am Richard Vance.*
He sped down the winding, tree-lined streets of the affluent suburb, pulling into the reserved parking space outside the First National Private Wealth branch in the town center.
He walked through the heavy glass doors with purposeful, aggressive strides. The marble-tiled lobby was quiet. Instead of waiting for a teller, Richard marched straight up to the premier drive-up ATM inside the vestibule, determined to extract a thick stack of green bills just to hold them in his hands and dispel the creeping dread that had been gnawing at his gut.
He slid his personal debit card into the slot. He entered his four-digit PIN.
The screen lit up: **WELCOME, RICHARD VANCE. SELECT TRANSACTION.**
He slammed his finger against *Fast Cash - $500*.
The machine whirred. The internal gears clicked. Richard stood with his hands on his hips, waiting for the crisp hundreds to emerge from the metal slot.
Suddenly, the machine emitted a harsh, rhythmic triple-beep.
A message appeared on the screen:
**TRANSACTION DENIED: INSUFFICIENT FUNDS.**
Richard felt the blood drain entirely from his face. "What? No. No, that's impossible."
His fingers trembling, he hit the *Back* button and selected *Account Balance Summary*.
The screen refreshed. A black-and-white grid materialized before his eyes:
* **ACCOUNT: PREMIER CHECKING (...4092)**
* **AVAILABLE BALANCE: $42.16**
* **PENDING CHARGES: -$120.00 (MAINTENANCE FEE)**
* **TOTAL NET BALANCE: -$77.84**
Richard stared at the screen. The numbers seemed to burn directly into his retinas.
$42.16.
He tapped the screen violently, canceling the session, and shoved his card into the machine again, repeating the process.
-$77.84.
"No, no, no! There was two hundred thousand dollars in this account last month!" Richard shouted aloud, not caring that an elderly couple waiting behind him turned to look at him with wide, alarmed eyes.
He turned on his heel and stormed toward the executive customer service desks. He slammed his card down on the desk of an astonished branch manager, a man named Thomas whom Richard had known for years from the local rotary club.
"Thomas! Your machine outside is broken!" Richard bellowed, his voice cracking with hysteria. "It's showing a negative balance on my primary checking account! Where is my money? Where are my quarterly dividend deposits?"
Thomas adjusted his spectacles, his expression turning deeply uncomfortable. "Richard... please, lower your voice. Have a seat."
"I will not have a seat! Fix this! Transfer fifty thousand from my reserve investment portfolio right now!"
Thomas logged into the bank's internal mainframe, typing rapidly. He clicked through several encrypted security screens, his eyes darting across the client profile. Finally, he looked up at Richard, pity and awkwardness written all over his face.
"Richard... your personal account hasn't had an active balance over five thousand dollars in nearly three years," Thomas said quietly.
"What are you talking about?!" Richard roared. "My salary is deposited here every two weeks!"
"Yes, your net salary of three thousand two hundred dollars after taxes and deductions is deposited here," Thomas explained, pointing to the screen. "And every two weeks, within forty-eight hours of deposit, that exact amount is automatically debited to cover your Porsche lease payment, your personal wardrobe accounts, and your private club tab. You have been running at a zero-sum balance every month."
"Then where did the money come from?!" Richard gasped, clutching the edge of the desk, the room beginning to spin around him. "The three hundred thousand we spent on the home renovation last year! The trip to St. Barts! The forty-thousand-dollar kitchen island!"
Thomas looked at him with profound bewilderment. "Richard... those payments never came from your personal account. They came from the Vanguard Heritage Trust liquid operating account, managed by Sterling Legal. Your wife, Katherine Vance, was the sole signatory and trustor on that account. You were never on it."
Richard felt the ground beneath his feet completely drop away into an abyss.
"And as of Thursday morning," Thomas continued softly, "Mrs. Vance executed a full revocation of the automated bridging line that covered your checking overdrafts. She closed the liquidity pool. What you have in that account, Richard... is literally all you have."
Richard staggered backward. He bumped into an upholstered chair, nearly knocking it over.
Forty-two dollars and sixteen cents.
The mansion. The private club. The tailor-made suits. The illusion of being a wealthy, self-made executive who provided for a submissive wife.
It had all been funded by Katherine.
Every single breath of luxury he had taken for twenty-two years had been exhaled from her lungs.
May you like
And now, she had cut off the oxygen.
***