I Owe the Underworld Three Hundred Billion

Facing his massive loans, Huo Yan gradually comes to terms with reality.

...I'll never be able to pay this off in this lifetime. Why not take out another loan?

To his surprise, it actually works!

So he borrows more and more, eventually becoming the largest creditor in the Underworld.

In the end, he successfully loans the Underworld into bankruptcy.

After becoming the secret owner of the Bank of Heaven and Earth,

he looks back on the past and finds that what he misses most is the everyday life of ghost hunting with his good brother.