The Gift and the Ghoul

"In my previous life, my best friend gave me a lock-shaped good-luck pendant. I never expected that once I put it on, it would never come off. Soon after, I came down with a fever that lasted seven days straight.When I finally woke up, everything in my life began to fall apart. Misfortune followed me everywhere.That was when I discovered the truth—I had swapped fates with her husband. He would get my wealth while I would get a short, ill-fated life. From then on, the two of them lived a life of effortless wealth, making money without even lifting a finger. Meanwhile, I sank into poverty, plagued by constant bad luck. I struggled through life and did not even make it to 30 before I was killed in a car accident.As I died, my mentally disabled younger brother cried out and rushed in front of me to shield me. However, he could not stop the incoming vehicle, and we died there together.When I opened my eyes again, I had been reborn back to the moment she was about to put the pendant on me.I let out a cold smile and pondered. Since she was so desperate to steal my wealthy fate, then she could have a XYY husband instead."