End of the Magic Era - Chapter 2: Creditor

Adam's life has been a huge disappointment.Growing up, he was a shy kid with no confidence; he had no ambition; he had no plans for the future.He didn't realize the time flowing by until one day he hit rock bottom.His wealth was taken away from him. He had nothing.Now he lives in a single-room apartment, he is making barely any money; he has no friends, no family, and no lover. He is all alone living a pathetic, miserable life.He is so pathetic that he died in his own apartment, slipping on a beer bottle.But fate has other plans for him. He didn't die but ended up back in the past with an upgraded body.Now, with another chance in life, he is determined to strive for greatness.____________________A/N - This is a smut-focused story. Expect a lot of sexual scenes.

The mighty heavens exist, ruling over all things. Those favored by its will are granted power and fortune, while those who dared to oppose it perished, leaving none behind. This is the tale of a man who once defied the heavens, underwent multiple reincarnations, and returned once more to the cultivation world. But here’s the twist. This young man remembers nothing of his past lives and is simply a teenager from Earth. How will he who has no knowledge of cultivation and experience in fighting, survive this grim world while being an inner disciple of a lower realm force—or so Xiao chen, the teenager thought till he heard a systematic sound in his mind. [Ding! Host has awakened the heaven’s destined villain system!]

A calculating merchant of noble birth lives a comfortable life managing his guild's business at the Imperial Academy—until lightning strikes him, leaving him with prophetic visions of a disastrous future. In these visions, he's expelled from his family, branded a traitor who aids demons, and worst of all, becomes a penniless beggar. When the supposed “protagonist” of these prophecies enrolls at the academy, he realizes his countdown to ruin has begun. Now he must use his foresight to rewrite a story where he's cast as a third-rate villain, all while navigating ancient dungeons, demonic threats, and the troublesome “hero” who might be the key to changing his fate.#MoneyIsEverything