Shen Tong, a fresh economics graduate, faced setbacks job hunting in reality, and while fishing encountered a flash flood, time-traveling to the early Wanli era of the Ming Dynasty. With lopsided historical knowledge, no foresight, no system, and no golden fingers, he possesses only basic modern economic understanding. As an ordinary refugee, he participates in the bud of capitalism in the Ming Dynasty, repeatedly failing and fighting, gradually growing into a mature merchant. He can clearly calculate the costs and revenues of the world, yet he cannot repay a single favor—a favor that cannot be discounted, compounded, or restarted.