The walk home was a blur of streetlights and echoing footsteps. Leo’s mind, however, was a cacophony of conflicting thoughts, each shouting over the other.
She doesn’t want the money. The sentence played on a loop,a paradox he couldn’t solve. Who in their right mind turned down twenty million dollars? It made no sense. Was it a trick? An elaborate setup for some even more convoluted scam? But Chloe’s eyes hadn’t held the gleam of a con artist; they’d held the steady, desperate resolve of someone who knew exactly what they wanted and had run out of conventional ways to get it. It was a look he recognized in his own mirror.
He let himself into his nearly-empty apartment, the eviction notice seeming to glow in the dark. He paced the length of the living room, the worn floorboards creaking under his weight.
Point A: He was broke, heart-sore, and about to be homeless. Point B:A beautiful, seemingly sane woman had just offered him a guaranteed financial reset, requiring only his name on a marriage certificate and his… biological contribution.
It was the simplest, most insane equation of his life.
But the "how" of the biological contribution is what stuck in his craw. IVF. Artificial insemination. The words were so sterile, so devoid of humanity. He pictured a clinical room, a cold doctor, a plastic cup. It was a transaction, just as he’d initially wanted. So why did the thought now leave a cold, slimy feeling in his gut?
His phone buzzed. His mother. The screen lit up with a picture of her beaming face, a stark contrast to his current turmoil. He couldn’t face her. He let it go to voicemail, knowing the message would be full of hope and questions about the “lovely girl” he’d met. The guilt intensified.
He collapsed onto his bare mattress. Closing his eyes, he didn’t see Serena’s betraying smile. He saw Chloe’s calm, hopeful face in the café. He heard her voice, not demanding, but proposing. “You get your fresh start. I get the family I’ve always wanted.”
What kind of life had she lived that this was her best option? A flicker of curiosity ignited amidst his own panic. Who was Chloe Sterling, really?
~~~~
Across town, Chloe was also pacing, but on plush, sound-absorbing carpet. Her penthouse was silent, the city’s lights a distant, impersonal spectacle. The initial wave of relief had receded, leaving behind the sharp, jagged rocks of anxiety.
He was thinking about it. That was good. But what was he thinking? Was he disgusted? Did he think she was a freak? A desperate, baby-obsessed lunatic?
She walked to the floor-to-ceiling window, pressing her cool forehead against the glass. She had presented her case with all the clinical detachment she could muster, trying to make it sound like a business proposal and not the cry of her soul. But the moment the words “I just want the baby” had left her lips, she felt a terrifying vulnerability. She had handed him her deepest, most secret wish, and now he held the power to grant it or crush it.
Her phone, a sleek, unobtrusive device, remained silent. No calls. No texts. The waiting was agony. For all her wealth, for all the power she wielded in boardrooms she never visited, she was utterly powerless in this. It all hinged on the decision of a rumpled, sad-eyed man she’d met twice.
Maya would have a field day with this. “You’re paying a man in real estate to impregnate you? Chloe, honey, no. Just no. Let me set you up with Brian, he’s a yoga instructor who loves cats!”
But Maya didn’t understand. This wasn’t about finding a date; this was about building a foundation for the rest of her life, on her own terms. Or at least, that’s what she kept telling herself.
Two days passed. Leo survived on cheap coffee and existential dread. He went to his temporary gig—stocking shelves at a warehouse—moving like an automaton. The money was a pittance, a drop in the ocean of his debt. Every box he lifted screamed one word: DESPERATE.
On the morning of the third day, he woke up with a single, clear thought. It wasn’t a noble thought, or a brave one. It was the thought of a cornered animal.
I have no other choice.
He picked up his phone. The napkin with her number was crumpled on his bedside table. He smoothed it out, his fingers trembling slightly. He typed a message, deleted it, then typed another.
Leo: Chloe. It’s Leo. I’ve thought about it. I’m in.
The three dots appeared almost instantly. His heart hammered against his ribs.
Chloe: I’m glad to hear that.
Leo: We need to talk. In person. There need to be rules. A lot of them.
Chloe: I agree. My place? Tomorrow at 7? I’ll text you the address.
An address. This was becoming terrifyingly real. He sent a quick confirmation and put the phone down, feeling like he’d just signed a deal with a very calm, very lovely devil.
The following evening, Leo stood outside a surprisingly modest apartment building in a pleasant, quiet neighborhood. This was not what he’d expected. He’d pictured something… grander for a woman who could casually give up twenty million dollars. He pressed the buzzer for 3B.
“Come on up,” her voice crackled through the intercom.
The apartment itself, when she opened the door, was warm and inviting, but undeniably… normal. Tastefully furnished, but with IKEA bookshelves and a sofa that looked comfortable, not expensive. It was the apartment of a teacher or a graphic designer, not a woman making monumental life deals.
“Welcome,” Chloe said, offering a small smile. She looked tired but resolute. She was wearing jeans and a soft-looking sweater. The whole scene was disarming in its normality.
“Nice place,” Leo said, stepping inside.
“Thank you. It’s home.” She gestured to the sofa. “Can I get you a drink? Water? Coffee?”
“Water’s fine,” he said, sitting on the edge of the cushion, feeling like an imposter.
She returned with two glasses of water and sat in an armchair opposite him, maintaining a professional distance. A notebook and pen sat on the coffee table between them.
“So,” she began, all business. “Rules.”
“Right.” Leo took a fortifying sip of water. “First, the financials. You’re sure? You get nothing? It feels… unbalanced.”
“I’m sure,” Chloe said, her tone leaving no room for argument. “The baby is my compensation. It’s more than fair.”
Leo nodded slowly, still not understanding but accepting it. “Okay. Second, the… method. IVF. Or whatever the doctor recommends. That’s non-negotiable for me. This stays a business transaction.”
A flicker of something—disappointment?—crossed Chloe’s face so quickly he thought he might have imagined it. It was replaced by a brisk nod. “Of course. That was my proposal. I’ll cover all medical costs.”
“Third,” Leo continued, gaining confidence. “Discretion. No one can know about this. Not my mother, not your friends. No one. We sell this. We are madly, whirlwind-in-love. We sell it so hard we almost believe it ourselves.”
“Agreed,” Chloe said, a faint smile touching her lips. “My parents will be… enthusiastically involved. They’ve been waiting for this.”
“Mine too,” Leo said with a wry grimace. “Fourth, the exit strategy. Three years from the wedding date. Once the government’s conditions are met, we file for no-fault divorce. We agree on a shared custody arrangement for the child that is fair and puts the child’s well-being first. We remain civil, for the kid’s sake.”
Chloe’s pen hovered over the notebook. “Shared custody,” she repeated, as if tasting the words. He saw the briefest struggle in her eyes—the mother wanting everything, the businesswoman knowing this was the cost. “Yes. Agreed.”
They spent the next hour drafting the skeleton of their agreement. It was surreal, mapping out the next three years of their lives, the conception of a child, and the dissolution of a marriage, all before their first official kiss, which would undoubtedly be at the altar for the benefit of their parents.
Finally, they fell silent. The list was exhaustive. It covered everything from how they would act in public to how they would handle holidays.
“I’ll have my lawyer draw this up into a formal contract,” Chloe said, closing her notebook.
“You have a lawyer on speed dial for this sort of thing?” Leo asked, only half-joking.
“I have a lawyer,” she replied smoothly, not meeting his eyes.
Leo stood up to leave, the weight of the decision now a physical thing settling on his shoulders. He felt exhausted.
Chloe walked him to the door. “Leo,” she said, just as he was about to step out. He turned. Her calm facade had slipped just enough for him to see the genuine, terrifying hope beneath. “Thank you.”
He just nodded, unable to form words. He walked away, knowing there was no turning back. They had a deal. Now, they had to plan a wedding.