How Can You Start a Sect with No Money?

The Yun Yin Sect was once a prestigious clan among the immortal sects. Now its sect leader has died suddenly, and the creditors are knocking at the door. A debt of three million spirit stones, to be repaid in three years. Miss the deadline, and the mountain becomes public property, while the sect leader's seal is confiscated.

The new sect leader, Shen Qingwu, takes stock of what they have: three living people, including herself, her husband Gu Changyuan, and Uncle Fu, an old servant who's half-deaf in one ear, plus half a furnace of failed pills.

Her husband Gu Changyuan, at least, is unruffled.