In Spirit Haven, poverty is a death sentence.

Feng Fan wakes up in the body of a debt-ridden graduate with nothing to his name but a seven-figure debt and a ticking clock. In a world where every scrap of Qi and immortal-cultivation talent is bought and sold, his body is the only collateral left.

From high-stakes scams against drug-dealers to powerful conglomerates, he’ll burn every bridge in the city if it means reaching immortality. Using a mysterious Daoist Stele that helps him level up his skills faster, he’ll capitalize every breath to survive.

He either breaks the bank… or the bank breaks him.

What to expect:

- No harem

- Money-grubbing MC

- Training-addicted MC

- Money-driven society

*This novel is inspired by 'No Money To Cultivate Immortality', 'Cultivation Chat Group', and 'Street Cultivation.'

Average Chapter Length: 2,000 words

Release Schedule: 3x chapter/week.

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This novel is part of Feng Fan's Ascension Saga. (shared-universe)

Transmigrated Into a Cultivation World? Good Thing I Can Read Minds! (Launched)

Max Comprehension: I Defy The Heavens With a Sword. (Launch date TBD)

Seizing Divinity. (Launch date TBD)

Cover by Duy Phan

Typograph by Inorai

Capitalistic Cultivation [Xianxia]

Performance over time