[Two male protagonists + cool writing]
Li Ming is a 985 college student from a small town. Through his own efforts, he was admitted to a large bank in the provincial capital. After working for several years, he scraped together the down payment and took on a 30-year mortgage. He was preparing to face a new life when he died suddenly at his workplace. After his death, he was supposed to be reincarnated like a normal person, but he had too much mortgage and had to pay it off before he could be reincarnated. After being introduced by the ghost messenger, he had to go to Tiandi Bank to work to pay off his debts. Later, he came into contact with a world different from the human world, and gained friendship, family and wealth.