No Money to Cultivate Immortality?
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Chapters:
376
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Synopsis
Enlightenment used to mean seclusion in a mist-wreathed cave. In Kunxu City, it means taking out a Mana Loan with 29.9 % karmic interest.
Spirit-root transplants come with payment plans, breathing techniques are locked behind paywalls, and your first meridian won’t open unless you swipe a “QiCard.”
That’s the brutal marketplace Zhang Yu wakes up to after his soul is shoved into the body of a penniless high-schooler—one already drowning in soul-devouring debt.
With only thirty days before the collectors start carving repayments from his flesh, Zhang Yu must monetize every heartbeat just to stay alive.
He livestreams back-alley sparring matches, peddles black-market talismans between classes, and negotiates mid-fight sponsorship deals to afford tomorrow’s cultivation pills.
Yet the higher he claws—from broke freshman to headline-making “High-School Saint”—the more he uncovers the engines grinding his classmates into golden dust: predatory fintech sects, exam-hall death matches, and an influencer economy that feeds on shattered dreams.
If you’ve ever felt the squeeze of tuition bills or the rush of a last-second power-up, Zhang Yu’s frantic hustle through monetized immortality will feel all too hilariously—and terrifyingly—familiar.
***
Original description:
Elder: “Do you seek revenge?”
Young Man: “I've been repeatedly humiliated by powerful cultivators, treated as trash by my Master. How could I not want revenge?”
The Elder patted the Young Man's head and sighed, “Good child, I shall impart cultivation to you."
The Young Man gasped, “Senior! How can this be?”
The Elder extended his hand: “Give me your phone.”
The Young Man watched the changes on his phone, shocked: “Senior! Where did this hundred years of cultivation come from?”
The Elder smiled faintly: “Good child, this is your reserve cultivation from the Heavenly Court. You can draw upon it instantly whenever needed, so you'll never be insulted again.”
The Young Man frowned: “Isn't this... a Mana Loan? I'm afraid”
Elder: “The Heavenly Court is a major platform. New users borrowing 100 years of cultivation get 30 days interest-free, and the daily interest is as low as half a day's cultivation—less than a full cycle of your meditation!”
...
Zhang Yu snorted coldly and closed the advertisement above.
Tags
Fast cultivation
Hard-working protagonist
Gods
Weak to strong
Genius protagonist
Money grubber
Calm protagonist
Modern day
Immortals
Body tempering
Multiple realms
Determined protagonist
Male protagonist
Strength-based social hierarchy
Artifact crafting
Cultivation
Alternate world
Cheats
Fast learner
Transmigration
Battle competition
Enemies become allies
Magical technology
Comedic undertone
Dao comprehension
Poor protagonist
Economics
Contracts
Drugs
Quirky characters
Harsh training
Different social status
Debts
Xianxia
Cyberpunk
Chapter Directory
376 ChaptersChapters 1 - 100
Chapter 1: The Interview
Chapter 2: The Beginning
Chapter 3: The Beginning
Chapter 4: School
Chapter 5: School
Chapter 6: Physical Education
Chapter 7: Physical Education
Chapter 8: Inviting a Deity
Chapter 9: Inviting a Deity
Chapter 10: The Feathered Tome
Chapter 11: Freedom
Chapter 12: The Gap Between People
Chapter 13: A Teacher’s Concern
Chapter 14: Work
Chapter 15: Fierce Competition and Level 3 Body Refinement
Chapter 16: The Zhou Tian Qi-Gathering Technique
Chapter 17: Advancing with Vigor
Chapter 18: The Mana Competition
Chapter 19: Preparations and a New Job
Chapter 20: Central Tower
Chapter 21: Patrol
Chapter 22: Scores and Secrets
Chapter 23: Celestial Martial Diagram
Chapter 24: Fear and the Dao Heart
Chapter 25: Enlightenment
Chapter 26: Celestial Martial Heart-Forging
Chapter 27: The Contract
Chapter 28: The Talk
Chapter 29: Spirit Root
Chapter 30: Qi Sea
Chapter 31: Registration for the Law Tournament and the Monthly Exams
Chapter 32: Last-Minute Prep
Chapter 33: Dao Techniques and Combat
Chapter 34: Practical Combat Exam
Chapter 35: Clash of Palm Force and the Dao Heart Exam
Chapter 36: The Spiritual Realm
Chapter 37: Mana and P.E.
Chapter 38: The PE Exam and Wang Hai’s Strategy
Chapter 39: Scores Released, Study God Revealed
Chapter 40: Choices and Cultivation Methods
Chapter 41: Class-A Contract
Chapter 42: The Heavenly Net
Chapter 43: Level-10 Zhou Tian Qi-Gathering Technique
Chapter 44: Heart Technique
Chapter 45: The Joyful Heart Technique and Law Tournament Cram Class
Chapter 46: Schemes and the Start of the Law Tournament
Chapter 47: Law Tournament Lineup
Chapter 48: The Alliance and the First Trial of the Law Tournament
Chapter 49: Flying Sword
Chapter 50: Purple Cloud Pharmaceuticals
Chapter 51: Purple Cloud Pharmaceuticals
Chapter 52: The Mountain
Chapter 53: Struggle
Chapter 54: Struggle
Chapter 55: Top Ten!
Chapter 56: Top Ten!
Chapter 57: Limitless Cloud Hands
Chapter 58: Upgrades and Adjustments
Chapter 59: Undercurrents Stirring
Chapter 60: The Monthly Exam Ends, Storm Approaches
Chapter 61: Celestial Martial Heart-Forging
Chapter 62: Zhang Yu's Decision
Chapter 63: Divine Assistant Examination
Chapter 64: Passing the Assessment, Heading to Songyang
Chapter 65: Upperclassmen
Chapter 66: Aura of Authority
Chapter 67: Strongest Freshman
Chapter 68: The Feathered Tome
Chapter 69: Worship
Chapter 70: Annihilation, Friend
Chapter 71: Change
Chapter 72: Martial Arts Cram School
Chapter 73: Draining the Last Cent
Chapter 74: The Competition Begins
Chapter 75: The Gap and the Score
Chapter 76: Group Division
Chapter 77: Hidden Spirit Root
Chapter 78: Concealed Spirit Root
Chapter 79: Suppression
Chapter 80: The Quarterfinals
Chapter 81: Blood-Drenched Battle
Chapter 82: Storm and Fury
Chapter 83: Broke, Final Four Fight
Chapter 84: Back-Dragon, Mountain-Toppling Grip
Chapter 85: The Final Two
Chapter 86: The Most Powerful Move
Chapter 87: Champion
Chapter 88: Song Hailong Wants Me as His Coach
Chapter 89: Cultivation Techniques and Development
Chapter 90: Competition Slot
Chapter 91: Level 10, Side Hustle
Chapter 92: Side Hustle and Social Media
Chapter 93: Transplantation
Chapter 94: Competition and Sponsorship
Chapter 95: Filming, Disciplining He Dayou
Chapter 96: Negotiating With the Evil God
Chapter 97: The Dark Tutoring Underground
Chapter 98: The Dark Side of Kunxu
Chapter 99: Quick-Mastery Martial Arts
Chapter 100: The Dark Studies Gang and the Trial Lesson
Chapters 101 - 200
Chapter 101: Lessons From an Elite High School
Chapter 102: Zhang Yu’s Secret
Chapter 103: Zhang Yu's Temptation
Chapter 104: Preparation, Dropping the Class
Chapter 105: What Just Crawled In?
Chapter 106: Borrowing Ah-Zhen’s Spirit Root
Chapter 107: Yuzi, I’ve Decided Not to Rent!
Chapter 108: Zhang Yu, Level 4.95
Chapter 109: Body Strength Rankings
Chapter 110: Agility
Chapter 111: Here to Borrow Money Like a Bro?
Chapter 112: A Battle of Speed
Chapter 113: Challenging Yu Xinghan
Chapter 114: Victory and Defeat
Chapter 115: Pre-Match Breakthrough, Sky Pillar
Chapter 116: Brewing
Chapter 117: Holding Up the Sky
Chapter 118: The Strongest Power!
Chapter 119: A Peerless Genius
Chapter 120: Spokesperson
Chapter 121: Schedule Overflow
Chapter 122: Sorry, Ah-Zhen (Still Owe 5 Tickets on the Monthly Vote Loan)
Chapter 123: The Foundation License
Chapter 124: The Evil God Reveals Hidden Truths
Chapter 125: The Great Sun Qi Sea
Chapter 126: Techniques, Housing, Le Mulan
Chapter 127: Pants in Tatters (Monthly Loan Payment 6)
Chapter 128: Yuzi, You Smell So Good
Chapter 129: Great Sun Breathing, Housing Secured
Chapter 130: Battle at White Dragon
Chapter 131: Whetstone, Mountain-Crushing Palm
Chapter 132: Level 10 Great Sun, The Pain of Being Broke
Chapter 133: New Medicine Channel, Xianyun Endorsement
Chapter 134: Seeking Connections, Image Design
Chapter 135: Level 10 Sacrificial Ox, Undercurrents Stirring
Chapter 136: Le Bai's Rotation, Rapid Progress
Chapter 137: The Struggle to Breathe
Chapter 138: Breeding Facility
Chapter 139: End of the College Exam, and the Departure (Breeding Loan Repayment 8)
Chapter 140: Farewell to Zhang Pianpian, Registration Begins
Chapter 141: Exam Reform, Foundation Test
Chapter 142: Peak High School Power
Chapter 143: Give Him Ten of Them
Chapter 144: The Price of Giving Up
Chapter 145: Zhang Yu, Valuation???
Chapter 146: Do It, Yuzi! Fully Unleash Our Immortal Path Potential!
Chapter 147: Gradually Becoming the Inside Mole
Chapter 148: Zhang Yu's Rapid Advancement
Chapter 149: The Real Combat Techniques
Chapter 150: Humiliating Lan Ling
Chapter 151: Battle Against Zhou Chechen
Chapter 152: Zhang Yu’s Network
Chapter 153: Ah-Zhen, Why Is Your Belly Getting Bigger?
Chapter 154: The First Evolution of the Zhen Spirit Root
Chapter 155: Cultivation in the Spiritual Realm, The Poor Alliance Appears
Chapter 156: Ah-Zhen Opens a Factory, Zhang Yu Gets a Job
Chapter 157: True Ox, True Sacrifice, True Heart Technique
Chapter 158: Zhang Yu Initiates the Ritual
Chapter 159: Taking the First Round of the Foundation Establishment Exam
Chapter 160: The Mysterious Zhang Yu
Chapter 161: Summoned by the Clown Position
Chapter 162: The Strongest High Schooler
Chapter 163: The Unfathomable Zhang Yu
Chapter 164: Gluttony
Chapter 165: Zhang Yu’s Digestive Prowess!
Chapter 166: Settling the Score with Yu Xinghan
Chapter 167: The Final Round, Martial Arts Exam
Chapter 168: Zhang Yu's Agony
Chapter 169: I’ve Mastered It
Chapter 170: Endless Spring and Autumn Meditation
Chapter 171: Passing the Exam
Chapter 172: Second-Round Selection, Ye Lingxiao's Fighting Spirit
Chapter 173: Zhang Yu's Production Tool
Chapter 174: The Seed Deal
Chapter 175: Zhang Yu Earns Money the Hard Way
Chapter 176: Awakening Yu Xinghan's Potential
Chapter 177: The Hunt Begins
Chapter 178: A Million-Dollar Temptation
Chapter 179: Zhang Yu’s Thunderstrike
Chapter 180: Ambush on the Six Cultivators
Chapter 181: Successfully Hunting the Evil God
Chapter 182
Chapter 183: Evil God Ascension, Inspectorate Attention
Chapter 184: Zhang Yu Is Questioned
Chapter 185: True Potential, Ritual Possession
Chapter 186: School’s Power Tyrant, Level 10 Spring and Autumn
Chapter 187: The Songyang Elites, Zhang Yu’s Threat
Chapter 188: Layers of Shackles
Chapter 189: Zhang Yu’s Time
Chapter 190: Lurking Claws, Waiting for the Right Moment
Chapter 191: High School Saint Body
Chapter 192: High School Saint Body Complete, Exam Leave Request
Chapter 193: The Second Round of the Foundation Establishment Exam Begins
Chapter 194: Good Students Should Take Their Medicine
Chapter 195: The Three Divine Medications
Chapter 196: Two Pills at Once
Chapter 197: High School Saint Body? No—It’s the Qi Refinement Saint Body!
Chapter 198: Exam Suspended?
Chapter 199: Medicine First, Then the Blackwater Pillars
Chapter 200: Mutual Destruction
Chapters 201 - 300
Chapter 201: Zhang Yu’s Best Cultivation Conditions
Chapter 202: The Most Perfect High Schooler’s Body
Chapter 203: Second Round of the Foundation Establishment Exam Ends
Chapter 204: Zhang Yu’s Strategy and the Hidden Truth of the Righteous Gods
Chapter 205: God of Wealth Comes First, University Degrees Second
Chapter 206: An’an’s Plea, Zhang Yu’s Plan
Chapter 207: Zhang Yu Ambushed
Chapter 208: Thunderclap Sigil, Military-Grade Arms
Chapter 209: Questioning Zhang Yu, Righteous Gods Clear the Field
Chapter 210: Sealing Off the Wanxing Group
Chapter 211: Zhang Yu in the Mediation Room
Chapter 212: Zhang Yu's Hefty Gains
Chapter 213: Hidden Dangers, Dark Tutoring
Chapter 214: The Most Lucrative Niche in the Dark Tutoring Scene
Chapter 215: Zhang Yu’s Sudden Breakthrough and the Premium Trial Class
Chapter 216: Useless Trash Who Didn’t Even Go to College
Chapter 217: That’s the Feeling
Chapter 218: Blowing Up the Cemetery
Chapter 219: Martial Saint Embryo Achieved, Exams Approaching
Chapter 220: Chaos in Songyang
Chapter 221: Martial Saint Embryo Reaches Minor Completion, Departure for the Exam
Chapter 222: A Foundation Exam Packed with Spectators?
Chapter 223: Divine Spirit Root
Chapter 224: Power Output of the Divine Spirit Root
Chapter 225: Battle Against Ye Lingxiao
Chapter 226: Victory or Defeat
Chapter 227: Training-Level Law Husk
Chapter 228: The Burden of the Law Husk
Chapter 229: Victory Lies in the Third Trial
Chapter 230: The Third Physical Trial
Chapter 231: The Outcome Is Decided
Chapter 232: Beyond Sound
Chapter 233: Zhang Yu’s Final Showdown with Ye Lingxiao
Chapter 234: Foundation License, At Last
Chapter 235: Rewards Received, Undercurrents Stirring
Chapter 236: Congratulations to Zhang Yu and Bai Zhenzhen for Passing the Foundation License Exam
Chapter 237: Fame Shakes Songyang
Chapter 238: Zhang Yu’s Foundation Domain
Chapter 239: Hehuan
Chapter 240: Professional Intel
Chapter 241: Director Wang Is a Good Man
Chapter 242: The Beginning of a Major Upheaval
Chapter 243: Wealthy Zhang Yu
Chapter 244: Zhang Yu’s Outdated Thinking
Chapter 245: Life of Wealth, Martial Saint Embryo
Chapter 246: Learning to Adapt, Sectual Strife
Chapter 247: Endure
Chapter 248: Pushed Past the Breaking Point
Chapter 249: Pre-Military Grade
Chapter 250: Come Forth, My Backup Potential! Help Me Establish My Foundation!
Chapter 251: Acquiring the Heavenly Spiritual Root
Chapter 252: Zhang Yu Reaches Foundation Establishment
Chapter 253: The Gap Between Qi Refinement and Foundation Establishment
Chapter 254: Total Annihilation
Chapter 255: Peerless Overlord Fist
Chapter 256: Showdown With Director Wang
Chapter 257: Pre-Battle Power-Up
Chapter 258: Solo Showdown Against Wang Yin
Chapter 259: Spark Guidance, Battle in the Nine Heavens
Chapter 260: The Defeat of Wang Yin
Chapter 261: The Zhang Yu Effect
Chapter 262: Is the Sacrificial Oxheart Technique the Censored Version?
Chapter 263: The Complete Sacrificial Oxheart Technique
Chapter 264: Oasis Spoils and Reward Selection
Chapter 265: Chronoshade Demon Eyes
Chapter 266: Help from Xinghuo Zhenren
Chapter 267: Zhang Yu's Spirit Vein Access Pass
Chapter 268: The Zhou Family’s Evil God, The Final Sprint Before the Exam
Chapter 269: Zhang Yu’s Rare Treasure, Sister Reaches Out
Chapter 270: Fleeting Moments of Bliss
Chapter 271: Yuzi and I Are the Best in the World
Chapter 272: Journey to the Second Floor of Kunxu
Chapter 273: Fu Ji Levels Up, Clears Floor Two
Chapter 274: Bai Zhenzhen: I’ll Provide for You
Chapter 275: The Agreement with Bai Zhenzhen
Chapter 276: Reunion With Zhang Pianpian
Chapter 277: Foundation Class
Chapter 278: University Rankings
Chapter 279: Terrible Talent, Backed by Connections
Chapter 280: University Saint Body—Who Dares Cross Me?
Chapter 281: University Courses
Chapter 282: Foundation Establishment Instruction
Chapter 283: Is Civil Engineering Really That Promising?
Chapter 284: The Feathered Tome Awakens
Chapter 285: The Dao Seed Codex
Chapter 286: Ultimate – University Saint Body (1010)
Chapter 287: Sister’s Dao Seed
Chapter 288: Earth-Wood Saint Body, Ranking Rises Again
Chapter 289: Like New, 99% Condition
Chapter 290: Le Mulan's Mission
Chapter 291: I Want to Join the Pleasure and Harmony Study Group
Chapter 292: Botched Exam Performance, Construction Site Offer
Chapter 293: Underground Mana Deal
Chapter 294: Helping Le Mulan, First Day on the Job Site
Chapter 295: The Construction Site
Chapter 296: Earn Spirit Coins, Spend Spirit Coins
Chapter 297: A Warm Current of Friendship
Chapter 298: Get In—The Doors Are Almost Welded Shut
Chapter 299: The Spirit Coins I Spent Stayed With Me in Another Form
Chapter 300: Elementary Earth-Wood Saint Body (66)
Chapters 301 - 376
Chapter 301: Auto-Pickup Left On, Wild Ingredients Devoured
Chapter 302: Model Worker Zhang Yu
Chapter 303: Zhang Yu Battles Ying Xin
Chapter 304: The Body Forged on the Construction Site
Chapter 305: The University Wars
Chapter 306: Bai Zhenzhen’s Flying Sword
Chapter 307: Remote Construction Site
Chapter 308: Mountain-Moving Might and Silken Sword
Chapter 309: Mortality Rate and Disease Rate
Chapter 310: Zhang Yu Sneaks a Bite
Chapter 311: Senior-Level Earth-Wood Saint Body (88)
Chapter 312: Zhang Yu, You’re Scaring Me
Chapter 313: The Ultimate Earth-Wood Saint Body
Chapter 314: Final Exams
Chapter 315: Zhang Yu vs. Gongshu Jin
Chapter 316: Let the Prodigies Duel
Chapter 317: Ranking Update
Chapter 318: Rankings Teach Us to Respect One Another
Chapter 319: Immortal-Class Techniques
Chapter 320: War and Peace
Chapter 321: Luxury Dorm and Destiny
Chapter 322: Watch Me Crush You This Semester
Chapter 323: Zhang Yu’s Appetite
Chapter 324: Project Selection
Chapter 325: Graveyard Blind Boxes
Chapter 326: Dao Heart and Inner Demons
Chapter 327: Toying with Zhang Yu
Chapter 328: Wang Yin’s Dao Heart Shatters
Chapter 329: Everyone Misses Director Wang
Chapter 330: Hot-Blooded Civil Engineering
Chapter 331: Secret Weapon, Frost Abyss Technique
Chapter 332: Bai Zhenzhen Practices Swordsmanship, Zhang Yu Defrosts
Chapter 333: Discovery of a Farming Hideout
Chapter 334: Public-Spirited Citizens
Chapter 335: Spoils and Distribution
Chapter 336: The Supreme Talisman
Chapter 337: The Competition Team
Chapter 338: First Meeting at the Club
Chapter 339: Superior—Mana Pulse Flowing Stream (88)
Chapter 340: Heartforge Pavilion
Chapter 341: The Journey to Spirit-Flesh Fusion
Chapter 342: Ah-Zhen Arrives, Finals Approach, and the Mentor Dilemma
Chapter 343: Zhang Yu's Construction Crew
Chapter 344: The Black Technique
Chapter 345: The Second Heart Technique, The Exam Begins
Chapter 346: Final Exam of the First Academic Year
Chapter 347: Furious Hauling
Chapter 348: The Unstoppable Tide, The True Path of Civil Engineering
Chapter 349: This Boy Possesses the Earth-Wood Saint Body
Chapter 350: Zhang Yu Takes First Place
Chapter 351: The Seven Absolutes of Civil Engineering and the Law Husk of the Seven Absolutes
Chapter 352: Zhang Yu’s Two Teachers
Chapter 353: Zhang Yu’s Secret
Chapter 354: Competition Decided, Supreme Purity Sigil
Chapter 355: Sibling Bonds
Chapter 356: The Hall of Supreme Purity
Chapter 357: Bai Zhenzhen Evaluates Le Mulan’s Damage
Chapter 358: Fourfold Focus, Director Gao’s Instruction
Chapter 359: Leaving the Team and Joining a New One
Chapter 360: Ghost Kidney, Ten Thousand Coins
Chapter 361: Sky-Flipping Seal, Artifact Refinement Class
Chapter 363: Zhang Yu’s Vulnerable Period
Chapter 364: Block His Path to Immortality, and You Block Mine
Chapter 365: Zhang Yu and Bai Zhenzhen Reunite
Chapter 366: Bai Zhenzhen’s Dao Seed
Chapter 367: Feelings Cost Money
Chapter 368: The Idolized Bai Zhenzhen
Chapter 369: Coin Speculation
Chapter 370: I’ve Heard Wen Wuya Isn’t Stingy
Chapter 371: The Secrets of the Greenlotus Sword Embryo
Chapter 372: Farewell, the Civil Engineering Tournament Begins
Chapter 373: Martial Saint Body
Chapter 374: Seven Absolutes Shift, Competition Heats Up
Chapter 375: Zhang Yu, the Desperate Genius
Chapter 376: Throw Zhang Yu In
Chapter 377: Another Level-20 Technique?
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