Big Data Cultivation-Chapter 2055 - 2057: All Kinds of Dilemmas

What does Master Guyue want with Master Tuantuan? It’s simple: he wants to borrow Spirit Stones.

Their relationship was originally just so-so and there was even some friction before, but this time Master Yuan was able to get the deduction information, and even advanced deductions, thanks to the care and endorsement of Gu Yue.

Gu Yue’s idea is to borrow 150,000 medium Spirit Stones from him. He can mortgage several treasures, worth about 50,000 medium Spirit Stones, which means the loan is actually only 100,000 medium Spirit Stones. Once he successfully forms a Nascent Soul, he can slowly redeem the 50,000 worth of treasures, and repay double the loan of 100,000.

Master Yuan’s face immediately turned bitter. He said, don’t listen to the rumors outside, the Spirit Stones I have earned are all just rumors. I have a lot of prepared materials, but not many treasures.

How about this, I’ll sponsor you 10,000 medium Spirit Stones. If you fail to form a Nascent Soul, then nothing more will be said. If you succeed, pay me back whenever you want, or don’t pay back at all, just treat it as my congratulatory gift for your Nascent Soul formation.

Am I the kind of person who takes advantage of the situation? Master Guyue was discontented. Borrowing 100,000 to return 200,000, isn’t that an offer without sincerity?

Seeing him like this, Master Yuan decided to be honest. He said, I pay attention to risk control when doing business. I have lent high-interest loans before, and your 1:2 interest actually isn’t too high, but the risk is significant. There’s a real possibility I could lose everything, and the probability isn’t low!

You’re talking to me about risk control, right? Master Guyue took the things he learned from Feng Jun and started using them: There are risks in my Nascent Soul formation, and aren’t there risks in yours? If your luck is bad, what will happen to your family?

I know you have a True Immortal nephew, but can the cultivator protect them forever? If you’re willing to lend me 100,000 medium Spirit Stones, not only could you gain a 200,000 return, but I could also promise to spend most of my time at your place before the 200,000 is paid back.

Although I come from a lower sect, once I form a Nascent Soul, I will have a chance to enter the Taixu Sect. If you understand investment, you’ll know that now is a great time to make a bet.

Master Yuan was directly bewildered by his words, and it took quite a while before he reacted, "This isn’t an idea you could come up with, who suggested this to you?"

"It was suggested by Mountain Master Feng," Master Guyue didn’t intend to keep it a secret. As Feng Jun put it, this is an open plan. "He said the probability of both of us failing to form a Nascent Soul is less than twenty-five percent... besides, if we both fail, having 100,000 medium Spirit Stones more doesn’t matter much to your family."

"Who says it doesn’t matter?" Master Yuan became displeased. "My family doesn’t dare to spend the Spirit Stones, won’t they know how to hide them? Anyone who thinks of using force would really be underestimating Wu Xiu?"

"With a True Immortal around, who would dare use force on your family?" Master Guyue scoffed. He disdainfully remarked, "However, apart from using force, there are many other methods. For instance, auditing... auditing the Hot Spring Plate’s accounts!"

Master Yuan’s face immediately darkened.

"Auditing is originally the sect’s right," Master Guyue didn’t care for his reaction and continued speaking on his own. "As long as they find your accounts unclear, even with the protection of Wu Xiu’s True Immortal, the Spirit Stones that need to be returned will have to be returned."

Master Yuan thought for a long time with a darkened face and finally let out a long sigh. "Mountain Master Feng is indeed calculating without error. To be honest, this is exactly what binds my heart to the Nascent Soul formation..."

"Friend Guyue, you tell me. I have been relying on my old face asking for help here and there to develop the Mist Sulfur Plate to what it is now. I have never asked for anything from the Taixu Sect, and I have never fallen short on the offerings. Am I wrong to earn more Spirit Stones?"

He became increasingly agitated, "I dare say that without my efforts, if the Mist Sulfur Plate didn’t fall short on offerings, it might have been abandoned by the sect by now. I have contributed to the sect, why does he have the right to audit as he pleases?"

Hearing this, Gu Yue laughed. "It’s the sect’s right to audit you. Not checking up on you until now is already giving you face... In the end, it’s because you’re weak. If you really could form a Nascent Soul, you could gradually cover up loose ends."

"That’s right, I’m still weak," Master Yuan laughed. "Now the two of us, we must weakly unite. Haha, it sounds quite ironic."

"Hey, I don’t like hearing you talk like that," Gu Yue was slightly displeased. "It’s a win-win situation. What have you made it out to be?"

"I’m just sighing, ah," Master Yuan sighed lightly. Gu Yue’s words resonated with him, "Being weak is truly the original sin. Let’s both strive to succeed in forming Nascent Souls, but I can’t lend you 100,000 medium Spirit Stones... make it 50,000 instead."

Seeing that the other wanted to speak, he waved his hand, "50,000 with collateral, no collateral for the other 50,000. For the latter 50,000, you just need to pay back 80,000, not 100,000."

Master Guyue was taken aback, then laughed, "Borrowing another 50,000... is inconvenient?"

"It’s not inconvenient, there’s just none left," Master Yuan also sympathized with Gu Yue, but in the cultivator’s society, sympathy isn’t a worthwhile habit to encourage. "Even if there were, I could only say that there aren’t. Otherwise, people might think about how much I’ve pocketed!"

Gu Yue thought for a moment and laughed. "Makes sense, it’s not easy for anyone. I’ll go find someone else to borrow from. It’s not appropriate to grab one sheep and shear it relentlessly either."

Your metaphor is quaint! Master Yuan nodded with a smile, "Alright then, it seems Mountain Master Feng is quite wealthy too."

He resented Feng Jun for coming up with such an idea and wanted to incite Gu Yue to cause some trouble for Feng Jun.

However, Gu Yue saw through it clearly, "He’s just into deductions; once you open this Pandora’s box, imagine how much trouble it would bring in? Lao Yuan, why do I feel your suggestion is a bit malicious?"

"Am I not worried for you?" Master Yuan answered with a smile, "Always hoping you’ll condense the baby, but now that you said it, I realize this suggestion isn’t quite right."

Gu Yue gave him a thumbs up, "I really admire your skill in feigning innocence; alright, let’s not drag this out, I need to hurry out and borrow some more."

Previously, he thought of five percent, but even considering five percent was possible. However, since borrowing fifty thousand worked, he’s now looking at nine percent; this is human nature, otherwise Feng Jun wouldn’t dare fall into the trap?

Watching him leave, True Immortal Wu Xiu finally spoke up, "This is the first time I’ve felt that condensing a baby is really such torment."

Master Yuan glanced at him and sighed lightly, "That’s because before you condensed your baby, you hadn’t encountered Mountain Master Feng."

"Not really," True Immortal Wu Xiu shook his head, "Anyway, when the opportunity to condense the baby arrived, I didn’t consider failure, just pushed through with it; if you can’t push through... can you regret only a few breaths, right?"

"That’s the way exceptional talents think; I thought so too back then," Master Yuan replied languidly.

"But at this point, it’s true we become fearful and love life more, and the longer we loiter, we feel emotionally attached to our families.... If one keeps advancing bravely, they’d hardly think of these things."

True Immortal Wu Xiu thought about it, then nodded, "Seems cutting worldly ties makes sense, Uncle, you lent fifty thousand medium Spirit Stones to Gu Yue mainly considering family factors, or is it shared hardship?"

Master Yuan was silent for a long time before he said, "There are some factors, but importantly, I’m a bit worried... If I don’t lend, this guy might go to the Taixu Sect to gossip, say I tampered with the Mist Sulfur Plate, then wouldn’t my chance of getting investigated be higher?"

True Immortal Wu Xiu’s eyes widened, "Dare he! I’ll deal with him directly!"

"He hasn’t said that," Master Yuan spread his hands, "Maybe he hasn’t planned to do so, but if pushed to that point, anything is possible for him... It’s about being preventive, having a business mindset."

True Immortal Wu Xiu ultimately couldn’t understand this business thinking; he could comprehend it but wasn’t deeply affected, "Mountain Master Feng... really has revolutionized the mentality of those condensing the baby, but I don’t believe no one borrows Spirit Stones from him."

These words truly became prophetic; a day later, Xia Nichang’s process of baby condensation was deduced as well.

She is now past five hundred years old, and the next hundred years is the optimal window for condensing the baby. Once she reaches seven hundred years, her prospects will gradually decline. She hopes to condense the baby within fifty years, allowing her not just to directly enter established sects but also have promising future prospects.

Feng Jun’s deduction also aligns with this; her current probability of condensing the baby is not high, less than five percent, but it will steadily rise, reaching sixty percent after thirty years with the combination of treasures.

Another thirty years on top, that is, sixty years later, her chance will reach its peak at seventy-five percent, and the quantity of treasures consumed will be much lower, achieving the best cost-performance ratio.

Moreover, if she insists on enhancing the chances of condensing the baby, buying treasures worth thirty thousand medium Spirit Stones can boost it to seventy-nine percent.

Her likelihood of successful condensation is ultimately lower than Master Moran’s, showing that although Master Moran was overwhelmed by True Immortal Yi Jue, being able to govern a city under a certain sector of the Taixu Sect undoubtedly still makes him an elite within the sect.

As for not surpassing True Immortal Yi Jue... that’s quite normal, isn’t it? Surpassing her would indeed be abnormal!

In fact, the upper limit of Xia Nichang’s potential won’t be lower than Moran’s; it’s just that she is in the lower world, incomparable to Moran who is in Tianqin - it’s like the saying, all roads lead to Rome, but some people are simply born there.

However, during Feng Jun’s deduction, an odd discovery emerged: if from now, she starts taking Jade Pot Ice Fragments combined with Two-Element Fire Embryo to refine, and adds Chaos True Qi to nourish, in half a year she can condense the baby.

What do you mean by being able to condense the baby? She can condense now, but the success rate is only five percent - the timing is not ripe.

The oddity Feng Jun discovered was that in half a year, Xia Nichang’s probability of condensing the baby could reach seventy-six percent!

Condensing the baby sixty years ahead with a decent probability, normally a fool would know the choice to make, but the crux of the issue lies in: Jade Pot Ice Fragments, Two-Element Fire Embryo, and Chaos True Qi... these treasures are expensive.

Plus, considering other auxiliary treasures, in summary: if Xia Nichang wishes to condense her baby sixty years ahead, she needs to spend an additional thirty thousand medium Spirit Stones.