Gu Fan transmigrated into the martial arts aristocratic Gu family of the Great Qian Dynasty, yet was reduced to a bottom-tier third-class servant, feeding pigs day in and day out at the Animal Husbandry Courtyard. His only reliance is the debt-lending system that came with his transmigration: talents, bone structure, and lifespan—everything he possesses can be lent to others, collected back with principal and interest upon maturity, and transformed into upgradable affixes. The system also conceals a simulation function, capable of deducing life again and again to avoid misfortune and seek fortune. To escape the pigsty and save his close friend Gu Li, Gu Fan cautiously survives and calculates meticulously, rising from a servant all the way through counterattacks, entering the Hundred Beasts Gate, stepping to the pinnacle step by step through lending and simulations, and ultimately becoming a mighty being of the Mountains and Seas Realm.