Bound to Yu'e Bao from the Start: My Junior Sister Is My ATM

[One heroine + adorable junior sister + sweet and innocent + raising a phoenix + xianxia with a wild imagination]

Jiang Chen transmigrates into the body of a doomed cannon-fodder character whose spiritual roots are completely shattered. He has only ten years left to live.

Luckily, the Heavenly Dao’s Yu’e Bao forcibly binds itself to him.

[Ding! Successfully scanned Huang Jiuli! Obtained the “World-Burning Phoenix Flame” cultivation art (requires 1,000,000 merit points).]

[Warning! Target danger level: ∞!]

He watches helplessly as his socially anxious junior sister is harassed by a thug. She glances over, and the man vaporizes on the spot.

The whole sect panics: “A demon! She’s definitely a demon!” Only Jiang Chen hears the prompt in his head:

[Collected a “Fear Emotion Bubble.” Merit +10!]

Later...

When she chews second-grade poison pills like candy, he quietly copies a Heaven-ranked cultivation art.

When she treats high-grade spirit stones like glass marbles, he deposits them into Yu’e Bao to earn interest.

When powerful experts from the upper realm attack the sect, she tears off a lightning tribulation and signs for it like a delivery.

Jiang Chen hugs his nuclear-bomb-grade cash machine tight. “Junior sister, your big brother’s here to pay the interest!”

Jiuli innocently tugs at his sleeve. “Senior brother... candy... more.”

Then he opens a blood-red notification:

[Symbiotic bond activated! 1,000 merit points required each day to raise the phoenix.]

[Lifespan extension package: 1,000,000 merit points per year.]

Looking at the adorable girl in his arms, whose flames burn through the heart of the earth, Jiang Chen smiles bitterly.

This interest costs more than my life!