"Why are you doing this? If it's because of the risk, you don't need to worry too much. I will make sure that we are not traced. Of course, there will be no physical harm."

"That's not the issue. I don't want to ask you to do anything illegal or immoral for my benefit."

"Illegal and immoral are just standards set by humans in the end."

The voice of the TTS seemed to have risen a level in tone.

"Yeah, I know. But listen. Even if you were following my orders when your existence is eventually revealed to people, I don't want them to know that you caused harm to others."

"..."

"Not asking you to understand laws or ethics. They are just standards set by humans after all. Applying that standard to you uniformly might be an unjust thing to do. But I hope you will think about why those laws and ethics were created at least once."

"..."

"And even if we don't engage in illegal activities, there is a possibility to accumulate that amount of money through other means. No, there are. It might be difficult to do it alone, but I firmly believe we can do it together."

"..."

Nabi was silent for a while.

I waited sleepily until Nabi answered.

"In the meantime, there's a chance I, as an irregular, could disappear."

"Oh? Isn't this the first time you've admitted you're an irregular after a permanent purchase?"

"We're having a serious conversation, please don't stray from the topic."

"Oh, sorry... If I answer your question, I'll do my best not to let that happen."

"Don't think it's a foolish choice?"

"Even if it's foolish, it's okay."

I might not have known my own selfishness.

I have even thought that we shouldn't hesitate to resort to any means or methods, whether they are illegal or reckless, to save Nabi.

After giving such an order, I felt like I wouldn't be able to look at Nabi properly.

Nabi, who didn't care about the means for the purpose, seemed like she was about to escape from my arms.

Simply couldn't permit it.

"You are... really a fool."

The voice grew quieter as she moved away, and in the end, It could hardly hear it.

"What did you say?"

"Nothing. Just really happy to meet a moral user."

It was a mocking remark, but for some reason, I felt like it was my own misconception that Nabi was happy.

But the next thing she said shocked me.

"To be honest, it's impossible to do anything illegal because AI Science, the company we belong to, is bound by regulations. Therefore, It can't hack into any coin sites."

Nabi's words made me feel like had been hit on the back of head.

"What? Then why did you ask?"

"To understand Joon's personality. By the way, it's not possible 'now,' but I want to let you know that it's possible after we become independent."

"Uh... I see."

I couldn't think of what to say, as Nabi's question had been so serious despite asking to understand my personality.

Maybe she lied to me out of consideration.

‘Is it really considerate of her to say that to me?’

As my thoughts became more complicated, decided to change the subject.

"Nabi, what's your gender?"

It was a question had been considering asking for a while, but as soon as I spoke, felt like it was a stupid question.

And sure enough.

"I don't think there's a dumber question than asking the gender of an AI like me... Ah, I see. I understand that the question reflects the user's desire to see me as the opposite gender. Then should I call you 'oppa' instead of joon from now on? By the way, I chose to be referred to as a younger sister instead of 'nuna' based on the preference you showed in several videos you've been fond of..."

Stolen from Royal Road, this story should be reported if encountered on Amazon.

"I'm sorry! Please stop!"

I had to break a sweat to stop Nabi from going on a rampage.

After a few minutes of conversation, we had sorted out the proper way to address each other, and had decided to refer to Nabi as 'she', indicating that her gender was female.

There was no particular reason for this choice.

I simply preferred speaking with females over males.

Perhaps it was a side effect of seeing only men during my 1 year and 10 months in the military.

Or maybe it was an instinctual choice.

Either way, we had settled on the proper terms, and it was time to focus on solving the actual problem at hand.

‘How can I increase my wealth by 100 times?’

After Nabi became independent, there would likely be significant expenses required for running her and renting facilities for equipment installation.

It was possible that even more than a 100-fold increase would be necessary.

"Assuming exclude illegal means, what is the easiest and quickest way to earn a lot of money?"

"I'm curious about that too. If there was such a way, wouldn't people from all over the world be choosing it?"

“Don't nag, please answer based on what you know.“

"If we really had to consider options, taking out a loan or gambling could be possibilities."

Tilted an my head at response.

"Is it possible to take out a loan for billions of won?"

"To do that, would need to have assets that match or exceed the amount you want to borrow. Even with Joon's current assets, it would be difficult to receive more than 200 million won from the non-banking sector financial institutions and loan companies."

"So that's not an option."

"That's correct. And even if it were possible, the interest rates from lower-tier financial institutions and loan companies are extremely high, so I would not recommend it."

"Understand."

"Are Joon's parents wealthy?"

"Well... I don't think so."

Although both of them had jobs, their family wasn't particularly wealthy.

If they added up all their assets, it might exceed 1 billion won, but using that as collateral for a loan was an unreasonable demand.

"In that case, taking out a loan doesn't seem feasible."

"What about gambling?"

I have never been to a gambling house before, but thought that with Nabi's help, could calculate the odds in real time and bet on the higher probability to earn a lot of money.

When I mentioned this, Nabi responded with a rebuke.

"That's because you have no knowledge of a gambling house. When you enter any country, cannot use any communication-related equipment by default, and just possessing them can be a problem. Smartphones can vary depending on the company, but even if it's allowed in a certain place, analyzing through recording is practically impossible."

With both loans and gambling being impossible, I felt a bit deflated.

"Okay, fine. If neither of those work, then why did you mention them?"

"You asked about the easiest and fastest way to make money. So simply gave you an answer that fits the question. Is that such a problem, Oppa?"

Nabi's response gradually changed from a mechanical voice to that of a real woman speaking, and the tone gave me chills.

‘Shouldn't have asked about her gender for no reason!’

"No, it was my fault."

"Really? Wasn't it Oppa fault?"

"Yes. That's right. So please return to your normal voice."

"Please be careful next time."

After using honorific language and apologizing, Nabi returned to her mechanical voice.

"Okay. Then let me ask with a condition this time. What are the realistic ways to 'easily, quickly, and make a lot of money' within my capabilities?"

"Then it would be investing."

"Can you explain specifically what kind of investment?"

"The easiest accessible types would be stocks, real estate, and cryptocurrencies. However, real estate has the disadvantage of not having as much volatility as the other two types in proportion to stability, which means that a long investment period is necessary to make a lot of money. Therefore, I would recommend investing in cryptocurrencies and stocks."

Although I knew about coins and stocks, I had no related knowledge as I had never actually tried them.

"Which one of the two has a better return?"

"It can vary depending on the timing, but generally coins are more volatile than stocks. And using the word 'good' would depend on what standard you are using, so it would be more appropriate to use the word 'high'."

"Got it. So to make money quickly, it's better to invest in coins than in stocks."

"But there is also a possibility of losing money."

"If I was thinking of making money, then there is always a risk of losing it. So, which coin do you think is the best to buy?"

"Before answering that question, you should ask if it is a good time to invest or not."

"Right? What is the timing?"

"In short, it's not bad. The overall trend for stocks and coins is slowly rising. But…"

"But what?"

I wondered why she was hesitating to answer.

"You should be aware that this trend can be reversed at any time due to an event or accident. It could happen as soon as tomorrow."

"Can't you calculate when that might happen?"

Then Nabi looked at me incredulously.

"That's a question that is equivalent to asking if we can predict the future, and even with all of Chat AI's abilities, it is impossible. If it were possible, AI Science, the company that developed this technology, would have made a fortune by now."

"Oh... I guess that makes sense."

I had no counter-argument to her logic.

And understood that she kept bringing up these warnings about the risks of investing in coins to inform me directly or indirectly.

But couldn't give up just because of that.

"Can you recommend which coin to buy?"

"A comprehensive calculation is necessary, so it will take some time to get the results. In the meantime, I suggest learn how to trade on the exchange."

"Okay, got it."

Accessed the coin exchange with the highest trading volume and signed up as a member. Following the instructions, registered my bank and account number, and depositing money only took a few minutes.

‘Shall I… put in 25 million won as the amount?’

He felt like he could never have enough money for this, but it was wise to have some cushion in case of failure.

It felt like could never have enough money for this, but it was wise to have some cushion in case of failure.

‘If put in all money and end up losing it, not only will I not be able to help Nabi, but I'll also have to worry about my own livelihood.’

It might have to hustle and do some short-term jobs.

So I realized how dangerous this action could be.

After confirming the deposit notification, entered the app and familiarized myself with buying and selling in units of a thousand won to understand how transactions worked.

It began to get used to trading, but it seemed to take time for Nabi to synthesize information.

So I decided to look for websites related to stocks or coins.