Dad, open the door. I'll bring your mistress back for you.

"Fuzi, how much is your monthly allowance?" Shen Jingwan sat on the couch, drinking tea and asked Fuzi who was adding charcoal to the charcoal basin.

Fuzi stopped what he was doing, stood aside respectfully, and replied, "To answer the young lady, the monthly allowance for the maids in each room is three taels of silver."

Although she didn't know why Shen Jingwan suddenly asked this, she still answered truthfully.

Shen Jingwan raised her eyebrows slightly and continued to ask, "Given by the public? Besides the monthly allowance from the public, have you ever received any extra rewards from other masters?"

When Fuzi heard Shen Jingwan's words, he was shocked and knelt down quickly.

She said in panic, "Miss, you brought me back to the Shen Mansion. How dare I do such a thing as betraying my master?"

Shen Jingwan sneered, pulled out a hairpin from Fuzi's head, threw it on the table, and said coldly: "Don't dare? I think you dare very much."

Fuzi felt relieved when she saw the hairpin on the table.

She explained, "Miss, I bought this hairpin myself."

Shen Jingwan frowned and said unhappily, "You bought it yourself? We've been back home for less than two years, and this hairpin looks like it cost forty or fifty taels of silver. I saw you wearing a new pair of earrings a few days ago. Where did you get the money to buy these?"

Fuzi lowered her head and stammered, "Miss, this is all from what I saved on a daily basis."

Shen Jingwan snorted, "Saving? You only make three taels of silver a month, how can you possibly save so much money? Tell me, what's going on?"

Since several of her businesses were destroyed invisibly, she rarely gave Fu Zi money.

Even if it was a reward, it was just a few velvet flowers during the New Year and other festivals.

Shen Jingwan didn't believe a word that Fuzi didn't take money from others and used her own monthly allowance to buy these jewelry.

"Actually, I put the silver in a money shop, and I get 10% interest every month. Although it doesn't seem much, if I put in ten taels of silver this month, it will become eleven taels next month, and by the eighth month I will have nearly twenty taels of silver." Fuzi explained.

At this point, Fuzi said with great regret, "Ah, this is because I have too little silver. If I had 100 taels of silver now, then by this time next year I would have 285 taels."

Shen Jingwan frowned. "Your calculation of compound interest, isn't that usury? Lending money is illegal. If you get caught by the government, how many heads will you have?"

"How can this be considered lending money at usury? I just deposited my money in a money shop. The owner of the money shop used my money to invest, and I got a share of the dividends. In a sense, I now have an industry." Fuzi said proudly.

"What bank is it?" Shen Jingwan asked curiously.

"It's called Hengfu Money House, and it's right on Xuanwu Street." Fuzi answered proudly.

"Hengfu Money House? How come I've never heard of it? Don't be a liar. You're after their interest, and they're after your capital. It's not easy for you to earn a few dollars, so don't end up losing everything." Shen Jingwan frowned.

No matter how she thought about it, she felt that this thing was just a Ponzi scheme from her previous life, and it was still a scam after all.

"How could it be a liar? There are Hengfu Money Houses all over the country. Moreover, I have a sister from the same hometown who has been saving money in the Hengfu Money House in the south for several years, and I have earned back all my capital. If you say that opening so many money houses is just for a few taels of silver for us, it is too unprofitable." Fuzi explained hurriedly, with a hint of dissatisfaction and unwillingness in her tone.

After hearing what Fu Zi said, Shen Jingwan felt a little doubtful, but she couldn't continue to refute it.

After all, Fuzi was right. If he was really a liar, he would not have opened so many branches across the country.

However, she still decided to investigate the Hengfu Bank to ensure the safety of Fuzi's money.

"It tripled in one year, this is too incredible. How does Hengfu Bank make money?" Shen Jingwan frowned and asked in confusion.

She really couldn't imagine such a rate of profit, it seemed unlikely to be true.

"How is it impossible? Miss, when you were running Furong Pavilion last year, the profit increased fivefold in a single year. Besides, I heard that this is the property under the name of the Third Prince. How can the Third Prince cheat us ordinary people?" Fuzi explained patiently, hoping to dispel Shen Jingwan's doubts.

Shen Jingwan thought to herself, she was a time traveler, so how could anyone compare to her?

But he still reminded Fuzi, "Anyway, you'd better be careful and don't get cheated."

……

At the same time, in Ningfengzhai, Birui was reporting to Shen Chuning the information she had heard from Fuzi.

"Miss, Fuzi has already told Miss Wan about the Hengfu Bank, but Miss Wan doesn't seem to believe it. Should we prepare for the next step?" Birui asked cautiously, waiting for Shen Chuning's instructions.

Shen Chuning sat at the table, tapping it lightly with her fingers. After thinking for a moment, she replied, "No need. Once she realizes that business is not doing well, she will naturally turn her attention to Hengfu Bank."

She knew Shen Jingwan's character and situation very well, and firmly believed that if she was given enough time, she would definitely become interested in Hengfu Bank.

After all, for someone who is eager to make money, such temptation is hard to resist.

"Should we reduce our profits? At a 10% profit, we're losing money too quickly. I don't know how long the money in our hands can last." Birui looked at Shen Chuning with a worried look on her face and a frown on her face.

Shen Chuning shook her head slightly, her eyes firm and confident. "No need. It's precisely such high profits that can attract more money. In all these days, have you ever seen a time when the bank has no money to pay out?"

Bi Rui couldn't help but fall into deep thought after hearing this. She carefully recalled the situation of the bank during this period. Then her eyes lit up, "I don't think I've ever heard the shopkeeper say that."

Shen Chuning smiled slightly, a sly look flashing in her eyes. "That's right. With something so profitable, who would be willing to kill the hens that lay eggs? Besides, it's just a small business right now, there's not much money to be made. The real big money is still to come."

At this moment, Cuiwei walked in lightly from outside and whispered in Shen Chuning's ear, "Word has come out from the palace."

Seeing this, Birui knew that Cuiwei had something important to discuss with the young lady, so she stood up tactfully, bowed to Shen Chuning and said, "Young lady, I'll be out first." Then she turned and left the room, closing the door considerately.

Shen Chuning looked at Birui's departing back, nodded, and signaled Cuiwei to continue talking.

Cuiwei stood up straight, a serious expression on her face, and whispered, "Cui An said that he has been trying to find Han Yuanzheng from the Imperial Hospital to get medicine for the Fifth Prince for the past two months, but he can't find him. He wants you to help find him."