Jiangcheng, Fuyuan Community.

Liu Wei sat in his bedroom office chair, looking at the three billion bank text messages on his cell phone, his calm demeanor patting itself on the back. A subtle smile played on his lips.

This much money placed in front of anyone in this era might probably cause them to be overjoyed, even jumping excitedly.

Some might even not dare to believe, suspecting that all of this was merely an environment within a dream.

Yet in Liu Wei's world, all of this seemed within his expectations.

He was not some wealthy second-generation rich kid, simply a graduate who had just completed university, born into an ordinary family.

His father was a truck driver, while his mother was a supermarket saleswoman.

An extremely ordinary family, yet possessing a wealth that no one else could imagine. Anyone would think it was incredible.

Nevertheless, compared to this incredibility, Liu Wei had experienced beyond.

That is, he came from the future...

Even though he had returned to nineteen years ago, Liu Wei could still remember what happened on December 12, 2019.

That day was his second month of internship at the company. Liu Wei, a low-rank employee at the financial investment department, failed to find an investment project.

With no business performance, as soon as he started to work, he was called into the manager's office for a harsh scolding, telling him that he would be fired if this continued.

Since then, Liu Wei watched the changing trends in the market every day, staring at the data on the computer for 24 hours a day, looking for investment programs.

The era of finance was like a mountain pressing on him, leaving him almost breathless.

But each day was fruitless, returning home exhausted only to be greeted by his parents arguing over money. He had hoped for the warmth of home, yet all he encountered were discord and strife.

This chaotic life seemed to have become an integral part of his existence. Liu Wei shook his head and sighed, retreating to his room and collapsing onto his bed.

He put on his headphones, attempting to drown out the noise of his tumultuous life.

As he laid there in a drowsy haze, a familiar, old song began to play, its melodious rhythm lulling him into the realm of dreams.

...

When he opened his eyes again, what he saw made his pupils constrict. Stunned, he remained frozen in place for a long time, unable to process what he was seeing.

Incredibly, he found himself in the year 2001.

The time when he was a college student, and that old song was playing over the school's radio.

The beauty of the melody was so real, it lit a fire of passion within him.

In his previous life, Liu Wei's biggest regret was not fully enjoying his joyous college days, even missing out on a chance to make his mark on the world.

Overwhelmed by joy, he dashed out of his room, running through every corner of the campus.

Eventually, he found himself sprawling on the grass, taking deep, panting breathes as he gazed at the vivid scenery before him. He realized then that this wasn't a dream!

He was experiencing the butterfly effect: reincarnated from the year 2019 to 2001.

Nineteen years that might have been completely forgotten by others, but for Liu Wei, the memories were still fresh.

Most notably, he remembered that from January to May in 2001, the Sand Dunes continue to appreciate and skyrocket in value.

In just four months, the Dune Coin, originally worth one pound, saw its value rise to nearly two thousand pounds apiece.

In the following days, Liu Wei took out staggering loans to stockpile a huge amount of Dune Coins.

This allowed him to make his first big fortune.

The surge in the currency's value turned financiers green with envy, all of them wanting to take a good share of the pie, until the stock exchange got involved and stopped the climb.

Otherwise, who knows how many financial tycoons would have gone bankrupt and shattered their families because of Dune Coin speculation.

Liu Wei used just a few thousand in living expenses to buy and hoard Dune Coins, making him hundreds of thousands in just two months.

For the next three months, he borrowed a million from the bank under the guise of "investment", sinking it all into Dune Coins.

It wasn't until after his college graduation and the intervention of the stock exchange that he began to sell off the Dune Coins he held.

During this period, he made a staggering profit of nearly three hundred million.

Even though it's been just over two weeks since this episode, Liu Wei can't forget the last thrilling two months of college.

If such maneuvers were made in the financial world of the future, what would be the outcome? He genuinely dared not imagine.

Bang!

Just then, Liu Wei's bedroom door was kicked open. He got frightened and got up in a hurry, looking bewildered.

Before he could figure out what was happening, his father Liu Wenbin walked in, his face filled with rage, storming towards him with intimidating fury.

As if he has eaten gunpowder, he showed a fierce face, seeming to want to beat him to death.

Liu Wei's mother, Tan Huilan, his uncle Liu Maoquan, and aunt Luo Cuihua were behind his father, all of them glaring angrily at him.

Without a word, Liu Wenbin grabbed Liu Wei by the collar and shouted angrily, "You good-for-nothing, I ask you, did you take out a loan of a million from the bank?"

Facing his father's rising anger, Liu Wei's face turned pale with fright, but he didn't evade and confessed, "Yes, but I..."

"You wastrel!"

Before Liu Wei could explain, Liu Wenbin's temples bulged with rage and he raised his hand and slapped Liu Wei in the face, pointing at him and scolding:

"Your mother scrimped and saved to put you through university, just so you would get a good job after graduation."

"But you..."

"You went behind our back to take out a loan from the bank..."

"And it was a million..."

Liu Wei's mother, Tan Huilan, who was standing on the side, quickly pushed Liu Wenbin away. She rushed over to hug Liu Wei, stopping him, "What are you doing? Can't we just talk about it? Why hit the kid?"

Tan Huilan caressed the palm marks on Liu Wei's face with great affection, her heart seemed to be breaking.

"But it's all because you spoiled him. Now he's making trouble, borrowing a million from the bank. If I didn't go to the bank today, I wouldn't even know about it."

Liu Wenbin's anger rose even higher and he scolded, "Get out of my way, if I don't discipline him today, I can't call myself his father."

The more Liu Wenbin said, the angrier he got. Even if he didn't eat or drink and drove his truck, it would still take him at least forty years to pay off this huge loan.

On the other hand, Liu Wei had gone and borrowed a million all at once, how could he not be angered?

"Liu Wei, where did all the money you borrowed go?"

Standing behind him, his uncle Liu Maoquan also felt a great deal of anger, and his sharp gaze stabbed fiercely at Liu Wei like a knife.

Liu Wenbin seemed to echo, "Speak up, will you? Your uncle is asking where all the money you borrowed went. Have you become mute?"

Liu Wei looked at his uncle Liu Maoquan, his eyes filled with resentment.

In his previous life, his parents had argued because of Liu Maoquan and his family's plotting.

Liu Maoquan had wanted to invest with friends in a timber processing factory but lacked funds, so he thought of his honest and good-natured younger brother— Liu Wenbin.

In order to persuade his brother Liu Wenbin to go to the bank for a loan.

Liu Maoquan coaxed and cajoled until he finally deceived his father with the bait of a ten percent stake, also saying that there would be hundreds of thousands in dividends each year.

Without much consideration, Liu Wenbin agreed since they were brothers. He went to the bank and borrowed a million for his older brother Liu Maoquan.

Once Liu Maoquan got the money, he turned his face and refused to recognize anyone. Not only did he not distribute the shares to his younger brother Liu Wenbin, but also Liu Wenbin himself had to repay the monthly interest.

Ever since then, he led a life of overwhelming debts and difficulties.

While his uncle Liu Maoquan was leading a wealthy life, every time Liu Wenbin went to the factory to ask for money, he was turned down with various excuses.

Although these events were from his previous life, Liu Wei remembered them clearly. The disdain and ridicule on his uncle's face, Liu Wei would never be able to forget in his lifetime.

It was only this morning.

Liu Maoquan, accompanied by his younger brother Liu Wenbin, went to the bank to process the loan business, only to find out that there was a massive loan under Liu Wei's name, which cannot be approved and processed.

Now, seeing the hateful face of his uncle, Liu Wei felt an infinite resentment. Even if he used the money for a bonfire, he wouldn't lend it to them this time.

So he explained to his father, "I've put all the money into stock trading."

Liu Wei didn't plan to talk about the Sand Dune thing, so saying that he used it for stock trading made equally sense, and it could also make his father understand better.

"What? You invested in stocks?"

Upon hearing this, the uncle and aunt's faces changed abruptly. They glanced at each other, their surprise akin to the feeling that this money should have been theirs, and they hastily rebuked:

"Do you even know how many people end up with a broken family and end up on the streets because of the stock market? And you dare to take out a loan to play stocks?"