Wang Xuan’s fiancée and sister‑in‑law (widowed before marriage due to the death of Wang Xuan’s elder brother). She is a gentle and caring woman in her early twenties, described as having a curvaceous figure and delicate features. After Wang Xuan falls unconscious, she borrows two taels of silver from Master Zhou to buy medicine for him, agreeing to become Zhou’s concubine if the debt is not repaid in three days. She manages the household with only fifty cash left, sewing and cooking while worrying about Wang Xuan’s safety when he goes hunting. Lu Yao is devoted to the family and initially feels guilty for having borrowed money, but Wang Xuan reassures her that he will take responsibility. She represents the vulnerable common woman in a harsh world.
