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Actuary Lin Xiao once traveled through time and became a low-level disciple in a small sect of cultivation who was unable to practice. In this world where great power belongs to himself and resources are monopolized, he has a financial acumen that transcends the times, but no spiritual power. When his fellow disciples were fighting to the death for a pill, and the genius was trapped in a bottleneck because of the lack of a magic weapon, Lin Xiao silently turned the abacus in his hand. No spiritual roots? It doesn't matter. He has a complete set of risk control models, capital operations and resource integration methods. "Senior brother, do you need a spiritual stone to pass the test? Try the 'Cultivation Loan', pay in installments, no hidden terms." "Senior sister, the expedition team does not have enough funds? "Secret Adventure Insurance" understands it. The profits are shared and the risks are borne by me." "Fellow Taoist, can't you afford the ancestral exercises? Support the 'instalment payment of exercises' to make your dreams come true." He started from a small "prehistoric credit shop", lending, investing, financing, and mergers and acquisitions, and single-handedly built a financial empire that subverted the tradition. When the ancestors of the Holy Land and the ancient dynasty were still immersed in the dream of supremacy of power, quietly, the lifeblood of the entire cultivation world - spiritual stones, resources, and even the path of the monks, had been tightly tied to Lin Xiao's hands through countless contracts. Until one day, the Supreme Lord of the Holy Land came with the wrath of thunder, intending to wipe out this heresy who "stained the Taoist heart with the smell of copper". Lin Xiao just adjusted the non-existent glasses on the bridge of his nose and looked at the thousands of "debtors" behind him with a smile: "Your Excellency, do you want to try the 'short selling plan on Holy Land sovereign bonds' that I just launched?"