Reborn with a Million in Debt, but the Apocalypse Never Came

What would you do when the apocalypse arrives?

Stockpile supplies, keep a low profile, and become the lord of a refuge?

After surviving decades of apocalypse and escaping death time and again with the help of the System, Xie Zhi knows all too well that the true danger isn't the countless mutated creatures making their way onto land, nor a plague sweeping across the globe. It's humanity itself.

As long as your individual combat strength is high enough, food, water, women, none of it matters.

Reborn one year before the apocalypse, he knows exactly what the future holds.

It doesn't matter that he hasn't awakened his System yet. He has enough knowledge of the future to quit his job, take out a million-dollar loan, and develop a physical enhancement drug that doesn't exist in this era, giving him the power to stand at its very peak.

When the apocalypse and the System arrive, he will be the king of Blue Star!

Pay back the loan?

With order collapsed and banks bankrupt, why the hell would he pay it back?

Besides, stealing money is much faster than earning it.

And money will be no more useful than toilet paper soon enough.

A year later, he eagerly joins the New Year's countdown, looking forward to teaching countless alien species a lesson.

But...

Midnight passes. Fireworks fill the sky, and nothing happens.

This novel and its characters are entirely fictional. Any resemblance to real people or events is purely coincidental. Do not imitate.