OMG! I Transmigrated into Four Books at the Same Time!

Shi Nian was just as curious and didn't mind the system's little trick.

The two of them huddled together, opening a pile of storage bags and counting money with glee.

The existing crystal stones were set aside, while all the magic treasures and elixirs were recycled to the system.

In fact, if Shi Nian were to sell the magic treasures and elixirs herself, she might have earned a bit more.

But folks,

This is not being cautious!

What if traces were discovered while selling?

Then wouldn't trouble come knocking at the door!

Shi Nian felt that it was more trouble-free to just toss them to the system.

Moreover, by letting the system take a small advantage, it would be more willing to compromise when something comes up next time.

Shi Nian had long realized that Xiao Tong and the system were not completely one and the same. If the system were a magic treasure, then Xiao Tong would probably count as the artifact spirit.

Xiao Tong could provide some conveniences to a certain extent, but only with the system's agreement.

So, for the system, this Sugar Daddy, Shi Nian didn't mind taking a small loss. Only by letting Sugar Daddy make money would he continue providing conveniences next time.

She, Shi Nian, had become a smooth and sophisticated young lady versed in the ways of the world.

Keeping some spare immortal crystals, Shi Nian put everything else into the system.

This time,

Her net worth soared directly to three hundred thousand!

Indeed, looting the battlefield is a fine endeavor!

In her contentment, Shi Nian also felt a bit of regret.

After all, this Day of Slaughter only came once a year.

The next Day of Slaughter, she might not even be here.

"Xiao Tong, haven't you noticed that the immortals and demons in this Lost Land seem quite wealthy?"

Basically, any somewhat formidable character has nearly ten thousand to their name, even the less impressive ones have a thousand or two.

Wouldn't these supreme quality immortal crystals be hard to come by in the outside world?

"Haven't you looked at the map, Host?" Xiao Tong waved its little wings and displayed the map.

Its finger pointed to a corner of the map.

Shi Nian followed and looked over.

"From here..."

Xiao Tong's finger traced a long path until it finally stopped: "To here."

"Did you see the words 'Crystal Stone Mine' marked there?"

Shi Nian's expression changed.

Such a large crystal stone mine? Since the location is quite remote, she really hadn't noticed it before!

"In the center of this mine, it's all supreme quality immortal crystals, and as you move outward, the level of the immortal crystals decreases," Xiao Tong explained.

Shi Nian couldn't help but ask, "Such a large crystal stone mine, to what extent has it been mined now?"

Xiao Tong gave a quick scan, "It's only been mined to about thirty to forty percent."

Shi Nian's expression changed again.

This vein has been right here. The immortals and demons of the Lost Land must know about it, but over tens of thousands of years, they've only mined thirty to forty percent of it?

Xiao Tong said: "This vein is half in the Immortal Energy region and half in the Demonic Qi region, with the core area being at the intersection of these two energies. You know, when Immortal Energy and Demonic Qi converge, it causes a violent disruption of power, and ordinary immortals and demons simply cannot reach the core area. Within this core area, I've also sensed a formidable power, at least at the level of Immortal Emperor Peak. This power controls everything about the vein. If anyone tries to mine, it would immediately detect them and strike back fiercely. However, it periodically spits out some Crystal Stones, and that's when everyone can pick them up at will."

So, the thirty to forty percent of the mining isn't actively done by immortals and demons, rather, it's occasionally handed out by that entity when it's in a good mood.

The Crystal Stone Mine is so vast that even with just thirty to forty percent being mined, the Cultivators of the Lost Land are generally wealthier than those outside.

This is good news for Shi Nian.

Don't look now, but her net worth of three hundred thousand, once debts are paid, drops by 220 thousand, leaving her with a mere eighty thousand. What's that good for?

After all, the Fourth Layer of the Nine Revolutions Creation Technique alone requires a full five hundred thousand top-grade Immortal Crystals.

The Fifth Layer even reaches a terrifying one million top-grade Immortal Crystals.

She was originally worried that it might be difficult to make money in the Lost Land.

Now it seems that as long as the Crystal Stone Mine exists, everything has great potential.

If all the top-grade Immortal Crystals in the core area could be mined...

Shi Nian thinks about it and is drooling.

"The formidable power in the core area..." Shi Nian pondered for a moment and asked, "Can you find out anything specific about it?"

Xiao Tong snorted coldly with a hint of disdain: "Its Cultivation is too high; I can't see the details for now. You should continue to diligently practice your Cultivation, when you improve, my abilities will naturally become stronger as well."

"Xiao Tong ah!" Shi Nian looked at her with disappointment, "Is your life's purpose really just to rely on others? A life where you only grow strong through others is incomplete! A mature Xiao Tong should learn to cultivate on her own. Do you understand?"

Xiao Tong: "???"

Is she blaming me?

Out of frustration, Xiao Tong gritted her teeth and said: "You already have enough Immortal Crystals now, why not just pay off the loan?"

"What's the rush? Isn't there still time before the one-year deadline? When the time comes, I'll definitely be able to pay it off," Shi Nian shamelessly said, "Xiao Tong, look, I originally said I'd pay it off in a year, but in just a few days, I've earned this sum of money, isn't this proof of my ability to repay? So, in order to cultivate a high-quality customer like me, shouldn't you extend me more credit? For example, lend me another one or two million worth of items?"

Xiao Tong couldn't help but roll her eyes dramatically: "Host, your skin is really too thick!"

Shi Nian took pride in her shamelessness: "Didn't you know? Only those with thick skin can survive better. How about we make a deal? The 220 thousand loan, let's change it to an installment plan. I'll pay you back twenty thousand every month, and it will be easily paid off in a year. But a mere twenty thousand is not a problem for me. I suggest you lend me another two million, and I will pay you back two hundred thousand a month! How does that sound? You still stand to make a good profit."

Xiao Tong was dizzy with Shi Nian's speech and even considered agreeing, but she knew all too well that Shi Nian was no good thing. So instead of responding to Shi Nian, she turned and retreated deep into the Sea of Consciousness.

No matter how much Shi Nian called after her, she wouldn't come out.

Shi Nian was somewhat regretful.

Xiao Tong was really not smart; her buy-now-pay-later schemes in her previous life were so successful, yet she wanted nothing to do with such a surefire profitable business!

Wait a second.

A surefire profitable business...

Shi Nian's eyes lit up, and she suddenly had an idea.

Xiao Tong doesn't want to lend money!

But she can!

Shi Nian's eyes lit up, and she quickly pondered in her heart.

What are the key points to consider when lending money?

First, one must ensure that the borrowed Crystal Stones can be retrieved.

Second, if they can't repay, there must be a price too unbearable to pay.

With these points in mind, it seems feasible as long as she chooses her clients carefully.

She could even proactively seek out clients to invest in.

Some clients may be weak in the beginning, but their Talent and growth potential are astonishing. If she invests in them early on, the returns she could reap once they grow would be equally astonishing!

In this way, Shi Nian would be similar to those angel investors from her previous life!