How Can One Cultivate Immortality Without Taking Out a Loan?

There are always rumors that I, Fu Changsheng, the Immortal Lord of Ten Thousand Arts, am undeserved! Today I will tell you frankly! I, Fu Changsheng, became an Immortal Lord without any physical transformation or medicine. It all depended on my talent in cultivating immortals. What! You said the Xiuxian loan is overdue again! The debt collectors are knocking on your door again! Ten Thousand Lives Absolute Weaving! Give me the backtrace!