Max Lowell, an Aureate Immortal struggling to advance to True Immortal, fails once again and faces crushing debt of 73 million spirit stones with impossible repayment terms. Despite harsh warnings about predatory loan terms and being repeatedly betrayed, Max reluctantly agrees to the loan. When threatened with eternal servitude as an immortal slave for failure to repay, Max activates a reincarnation talisman and descends to the Mortal Realm, inhabiting a body identical to his own that is also burdened with debt. As he adjusts to this new world, Max encounters people worried about his recent disappearance, including his wife Queenie, who searches anxiously for him, leaving his next move uncertain.