Urban Setting, Financial Freedom, Somewhat Down-to-Earth, No Naive Protagonist, No Harem 都市，财富自由，平凡一点的，不无脑，不后宫，

1. 901 为 A Commentary on This Wonderful Otherworld 为美好的异世界献上吐槽 Xiao Luo Wushuang小落无双Eastern Fantasy3.1M WordsCompleted [Funny + lighthearted + witty banter] I’m Yun Shu, a transmigrator who loves peace and excels at witty comebacks! My dream is to find a long-haired, straight-haired goddess who’s equally at home entertaining guests and cooking, then live a quiet life with her. But in reality, all I get is a jerk of a System mocking me three times a day, sometimes even giving me an extra serving. So, to stop that thing from mocking me, I set out on a passionate journey to become the strongest in the world. Well.. 40.2kReads9.0Score3.1kShelves
2. 902 疯 Are You Crazy? We Swapped Senses, and the Campus Beauty Became My Biggest Fan 疯了吧！互换体感，校花成我舔狗 Big Boss, Cute Girl大佬萌妹Urban1.6M WordsCompleted [Super-sweet romance, System, one female lead, tycoon, heroine pursues hero] Ye Fan and the ice-cold campus beauty Mu Xinci swapped their senses of taste, smell, and touch. When she bathed or wore black stockings, Ye Fan could feel it. When the campus beauty ate expensive salmon, slept in a presidential suite, or drove a supercar, Ye Fan got to enjoy it all, too. Then, one dark and windy night, the campus beauty showed up at Ye Fan's door and pinned him against the wall. “Sleep in my king-sized 9.1kReads9.0Score1.4kShelves
3. 903 低 I Kept a Low Profile for Three Years, Then a Female Influencer Exposed Me 低调三年，被女网红曝光了 Wu Xiaoyi吴小易Urban871k WordsOngoing After keeping a low profile for three years, a young man decides to propose to his girlfriend and reveal his true identity! But just before he can tell her, she brutally dumps him... A popular female streamer happens to film the scene. Everyone’s hearts break, and they lose faith in love. The “junk” left behind after the breakup is taken apart piece by piece by the streamer... Female streamer: “This key looks like a pretty good fake.” “No, this is a specially customized key for a Porsche 918, wo 10Reads—Score—Shelves
4. 904 有 Meet Yourself: From the Start, I’m Xie Zhiyao’s Junior Brother 有风：开局谢之遥师弟 Meng Lou濛娄Male-Channel Fanfiction538k WordsCompleted [A touch of fantasy + One heroine + Everyday life + Entertainment + Plagiarism-for-profit + No breaking up established couples] A lonely soul from another world wanders every corner of the globe. At last, he meets a loving group of people. They heal one another, and it seems everyone is searching for a place to call home. 5.4kReads9.3Score303Shelves
5. 905 都 The City Exchange Life Club 都市之交换人生俱乐部 Ten Thousand Stars万千繁星Urban1.3M WordsCompleted [New book from Fanxing] Zhao Yan accidentally joined the Life-Swapping Club. Here, you can swap lives with the rich, with women, or even with animals. Cross social classes! Cross genders! Cross species! Soldiers, assassins, celebrities, police officers, government officials... Here you’ll find all kinds of lives to trade and experience. After swapping, members help each other solve the problems in their new lives. Welcome to the Life-Swapping Club! 6.2kReads8.7Score466Shelves

   Reader note

   Yan accidentally joins a life-swapping club. Here, you can swap lives with the wealthy, with women, and even with animals. Transcending class! Transcending gender! Transcending species! Soldiers, assassins, celebrities, police officers, officials… Here you'll find all sorts of lives. People exchange lives, experiencing different things together, and helping each other solve life's problems. Welcome to the life-swapping club! Read the full text.

6. 906 重 Reborn: Sugary-Sweet Daily Life with My Childhood Friend 重生后，与青梅的齁甜日常 Add More Chili多加辣椒Urban1.2M WordsCompleted [Reborn] [One female lead] [No System] [Lighthearted] [Everyday life] Qin Song was reborn during the summer vacation before his second year of high school. Once he realized what had happened, he finally had a chance to make up for all the regrets of his previous life. His parents, who died in a car crash; his childhood friend, whom he liked but never dared confess to, and who eventually died of cancer; a life wasted away by his inferiority complex… “I’ve made a lot of money, and I’m famo 18.4kReads9.1Score1.9kShelves
7. 907 精 Leisurely Daily Life in the Pokemon World 精灵世界的悠闲日常 Clear Goldfish Pond清澈的金鱼塘Anime Fanfiction4.1M WordsCompleted (No Romance) A purple viper lurks in the forest, a slender phantom hides in a still lake, a flying dragon roars across the sky, and gods slumber beneath the sea and inside volcanoes. Even this utopian world is riven by dark clashes... But what does any of that have to do with a humble farmer like me? I just want to live a peaceful life with my Pokémon. (Anime + games + original settings. This book reflects the author's state of mind. Updates whenever inspiration strikes. Lalala, 886, hahahahaha 22.1kReads9.1Score1.8kShelves
8. 908 开 How Do I Survive After Becoming the Villain in a Formulaic Novel from the Start? 开局穿成了套路文的反派怎么破 Meow Nineteen喵十九Eastern Fantasy627k WordsCompleted The sequel is underway and can be found in the author’s works. This leans toward the female-audience genre. If that’s not your thing, please don’t read. Lighthearted and funny, an irreverent fantasy story. The protagonist is adored by everyone, men and women alike. All flirtation, no CP. After transmigrating, Cang Yu finds himself cast as the villain in three different books! Even though he’s the villain, he’s stuck with the job of saving the world! He decides he’d better save himself first. 007 3.9kReads9.2Score355Shelves
9. 909 人 Living in the City, I Achieve Financial Freedom 人在都市，实现黄金自由 A Rotten Log Carved into a Dragon朽木雕条龙Urban455k WordsCompleted Unable to take any more blows from repeated failures at work and in business, Ma Lou sets off on an impromptu trip. Because of his own recklessness, he collapses in a desert wilderness with no one around. At the point of death, he wakes up choking on water. Only after coming to does he realize that getting out and seeing the world really can turn your luck around. 130Reads—Score—Shelves

   Reader note

   When wealth is no longer a source of anxiety, the protagonists choose to plant trees, spend time with their families, and do charity work—isn't this the 'ideal life' we all yearn for? Reading their stories can heal your obsession with money and help you rethink the value of life.

10. 910 快 Quick Transmigration: World Survival Time Loaded 快穿之世界存活时长已加载 I Like Fish Mint喜欢鱼香草Modern Romance2.8M WordsCompleted [Quick Transmigration + No Male Lead + Ordinary Daily Life] Thanks to her mom’s connections, Xi Ming successfully lands a permanent government job. From then on, her daily routine is to lie flat, wait for retirement, and live on welfare. There are no missions in this Quick Transmigration story. She starts out as an orphan, and the longer she lives in each small world, the greater her rewards. She’s also given a golden finger, and every day Xi Ming feels completely content. 6.9kReads8.7Score616Shelves
11. 911 告 I Grow Stronger Only When My Confessions Fail 告白失败才能变强 The Best Thing in the World Is Anime二次元最棒了Urban2.5M WordsCompleted [System + wacky comedy + slice-of-life youth + overactive imagination + light novel + anime] Su Cheng transmigrates into another world. Just when he finally manages to get into a prestigious academy, he discovers that he has a System, and that the way to earn rewards is utterly ridiculous. So, for the sake of the rewards, he has no choice but to get ridiculous himself. Su Cheng: “It’s just a System mission, that’s all.” But what puzzles Su Cheng later is that he already thought he was ridicul 25.2kReads9.0Score2kShelves
12. 912 我 I Really Don't Want to Be an Artist 我真不想当艺术家 Floating Clouds浮浮浮云Urban537k WordsCompleted [Entertainment industry + twin sisters + campus belle + everyday life + comedy + sweet romance] Yun Ran was a slacker who spent fourteen years completing his beginner’s quest. The moment he finished it, he swore: Even if he fell to his death, died outside, or jumped off a building, he would never do another quest! At an arts festival, Yun Ran became a sensation across the country. Just as netizens were getting excited, no one expected this guy to turn down every offer from entertainment companie 4.7kReads8.9Score295Shelves
13. 913 学 The Top Student's Girlfriend from Another Dimension 学霸的二次元女友 Sugar and Coffee糖加咖啡Urban727k WordsCompleted [Daily life, sweet romance, one heroine, light-novel style] “Childhood sweethearts can’t beat the newcomer” is a law of the universe. The reason is simply that it’s hard to make a move on someone you know. But is it only people who know each other who can learn about each other’s little universes? Early one morning... Tang Chenyu tiptoed into Jiang Xi’s room... 2.4kReads9.5Score265Shelves
14. 914 中 I Won 2 Billion! My Brother and I Are Taking on the Rich List 中奖20亿，携老弟勇闯富豪榜 Conch Pearl海螺珠Modern Romance538k WordsOngoing Liu Wei is a hardworking student from a poor family. Her first love dumped her because she prioritized her career, and just when she was down on her luck, she received a little lottery ticket as consolation. Who knew that this tiny lottery ticket would turn her life upside down? She won two billion out of nowhere. How was she supposed to live with that? Even Liu Wei, a postdoctoral researcher from a prestigious university, was at a loss. It's so hard, really so hard. Spending money is so hard! L 56Reads6.5Score—Shelves

    Reader note

    In the city, winning $2 billion in the lottery would be considered financial freedom, right? Choosing to receive the money in installments, using some as pocket money to start a business, and having the whole family grow in wealth together, one's mindset and lifestyle gradually evolve from ordinary to wealthy. No mindless plots, no harem, realistic background, heartwarming everyday life.

15. 915 都 We're Reborn, So Of Course We Should Break Up First! 都重生了，当然要先分手！ Liu Er Liu Er六二六二Urban688k WordsCompleted [Food + cooking + farming + reviving a time-honored brand] [No cultivation] [The System plays a very minor role] [Food, cooking, business, and realism take center stage] Feng Bin is reborn in the 1990s. After breaking up with his wife from his previous life, he chooses to ride the wave of the times and seek his fortune in a big city. By chance, he takes over a time-honored restaurant. It all begins with saving the old establishment. With his superb cooking skills, Feng Bin revives the venerable 2kReads8.7Score107Shelves

    Reader note

    Urban life, farming and living – reborn in the 1990s, taking over the management of a time-honored restaurant. Full of culinary details, complete with food photos, he conquers 1990s celebrities with his food, promoting and spreading Chinese culinary culture.

16. 916 平 A Common Man’s Reborn Years 平凡人的重生岁月 What Was That Name? I Haven't Eaten叫什么名不吃饭Urban2.3M WordsCompleted [Everyday Urban Life + Campus Youth + Making Up for Regrets + Believable Logic] A portrayal of youth as it really was: no posturing, no face-slapping. This is simply the everyday life of an ordinary person after being reborn. People remain consistent; being reborn doesn't suddenly make someone all-powerful. Their old flaws are still there. They simply get to live their lives over again with their memories and life experience intact. Everyone has a limit to how far they can go, so if you're looki 4.4kReads6.2Score172Shelves

    Reader note

    A good book recommendation, worth reading.

17. 917 神 Tycoon: My Wife's Mishap Earns Me a Hundred Trillion in Rewards 神豪：老婆闯祸获得十万亿奖励 Cause kk诱因kkUrban1.1M WordsCompleted [Showbiz billionaire sweet romance]+ [One female lead, no harem]+ [Handsome male lead who can resist temptation]+ [Lovey-dovey romance] Chu Tian unexpectedly got his marriage certificate with Reba, then bonded with a System that rewarded him whenever his wife got into trouble. [Ding! Detected that your wife Reba broke an antique vase worth thirty million. Rewarding Host with a Dongsheng Mansion residence worth one billion!] [Ding! Detected that your wife Reba burned down the kitchen. Rewarding H 12.3kReads8.4Score1.1kShelves

    Reader note

    The books featuring wealthy heirs and single female protagonists should fit your criteria. These books all have high ratings, guaranteeing quality and good writing. They're worth reading.

18. 918 重 Back to 1978 重回78 The Sea in the City城市中的海Urban1.9M WordsOngoing Wang Yu was reborn in 1978. He was just over three years old. He thought that with more than forty years of memories from his previous life, he could breeze through life with every advantage. But he never expected to accidentally open the mystery box that was his grandfather’s background, only to discover it was terrifyingly powerful. And so, with the support of a bunch of beautiful older sisters and numerous big shots, this little boy in split-crotch pants who still wet the bed began to make a 19kReads8.3Score2.4kShelves
19. 919 假 I Pretended to Go Broke, and the Campus Belle Showed Up with Twins 假装破产，校花带着双胞胎找上门 Zai Xiang Niu Luo Guo宰象牛骡郭Urban1.0M WordsCompleted After accepting a friend request from his future self, Li Feng promptly bet all his assets on the crude oil futures market. With his future self’s guidance, he then pretended to have lost everything. Li Feng: Uncle, could you lend me ten thousand yuan? I’ll pay you back next month! Uncle: Your cousin is getting married. I just bought him a Mercedes, so I’m broke! Li Feng: Lin Tong, we were best friends in college and even roommates. Could you lend me thirty thousand? I really need it! Lin Tong: 4.3kReads8.4Score285Shelves
20. 920 我 My Older, Alluring Ex-Wife 我的御姐前妻 Cute Uncle Lao Yang萌大叔老杨Urban224k WordsCompleted [Mature women in their forties + Men in their forties + Marriage and relationships + Striving and business rivalries + Showing off and face-slapping + Heartbreaking romance] Recommended for readers over twenty-five. The story follows a male protagonist who has had two wives: one divorced him, and the other died. A senior company executive returning to single life, he never expected to become a hot commodity among women. In this society, forbidden relationships and extravagant lifestyles are pain 148Reads—Score—Shelves

    Reader note

    This book is very disturbing; people under 25 should not read it. (ᗒᗩᗕ)՞

21. 921 躺 I Lie Flat: Achieving Financial Freedom in College 躺平了：我在大学实现财务自由 Nine-Clawed Sea Crab九爪海螃蟹Urban825k WordsCompleted If you went to a junior college and your major was a dead end, does that mean your life is already over? Of course not. When you’re muddling through, when you can’t see the road ahead, when everyone around you has a girlfriend by their side, the System arrives. You make your fortune with hacking skills, and your girlfriend is the campus belle who outshines every other student across four graduating classes. You start a business, make money, and build the kind of life others envy. I’m no good at 9.5kReads8.4Score485Shelves
22. 922 直 My Livestream Isn't Popular? I Became a Top-Tier Star by Tipping My Own People 直播不火？我靠打赏自己人成顶流 Rich Young Master壕少Urban1.2M WordsCompleted [Inspired by real-life experiences + System + livestreaming + viewer donations + business rivalry] Zhao Hao is a Douyin streamer so broke he can barely scrape by. Instant noodles and pickled vegetables are his daily fare, and his livestream rarely has more than a handful of viewers. Competition among streamers is cutthroat. Small-time creators with no money or connections can't survive, and he's on the verge of being pushed out. Then an accident during a livestream gives him a golden finger: he 330Reads6.7Score—Shelves

    Reader note

    Those who initially looked down on the protagonist and tried to trip him up were later thoroughly humiliated by the protagonist's strength and popularity. Watching them be shocked and regretful was incredibly satisfying.

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