Cultivating Immortality While Paying a Mortgage

Other people's golden fingers either have the power to turn the tides or come with an old man who knows every secret under heaven. At the very least, they get a ding! System bound.

Lu Sen's golden finger:

Time's up. Pay the mortgage. Can't afford it?

Then pay with your life!

As long as things don't get too grim or some huge problem doesn't come up in his life, the story should update pretty regularly.