MTL - The Life of a Villain Starting From Naruto - Chapter 124 so the answer is

[Debt collection + metaphysics + cool writing]

Ling Chu is dead.

Inexplicably, he traveled through time and became the eldest girl of Shangshu Mansion.

However, he was not favored. He was ordered by the Taoist priests when he was just born to punish his relatives.

He was sent to a Taoist temple for foster care since he was a child, and was not taken back to his hometown until he was a child.

She thought she would live a happy and beautiful life from now on, but what greeted her was an imperial edict to behead everyone in her family.

In order to save her life, she risked her life and cooperated with Jin Yiwei to ransack her home.

For this reason, everyone rebelled against their relatives.

Others thought she was going to cry bitterly, confess to her family and ask for forgiveness.

But she was busy collecting debts, making money, and helping ghosts fulfill their last wishes and accumulate merit to extend her life.

Just when she was living a happy life as a child, she discovered that her parents were both fake.

Just when everyone in Kyoto was waiting for her to go back and fight with the fake daughter,

But she turned around and joined the frightened Jin Yiwei, and was busy following the God of Death every day to ransack homes all over the capital.

- Description from novelbuddy

Upon waking up, Jiang Fan became a low-level fisherman in Tonghe County, with a home empty as four walls and a stomach rumbling with hunger. Inside, he has a beautiful wife to support, and outside, he faces oppression from the Dragon King Gang and the Government, beset by internal troubles and external woes, nearly at the end of his rope.Fortunately, he awakens his Life Chart with the Great Blessings Equal to Heaven attribute: surviving great ordeals will certainly bring future happiness.As long as he gets through the tribulations, he will surely gain opportunities, with Destiny upon him.……Millions and millions of years later, Jiang Fan looks at the pieces of Immortal Family's supreme treasures in his home, along with the Sect's Fairies, the Dynasty's Goddesses, unparalleled demon queens, and peerless fox girls about to break into a fight, he wants to cry without tears.Heavens, please don't send more, really don't send more, at this rate, the house is about to catch fire, truly can't withstand any more.

Yang Yi crossed over the world with a storage space with him. He ended up in some desolate wilderness populated by flying beasts and dangerous predators and also crawling poisonous bugs and snakes. To prevent getting bitten in the ass by venomous bugs when going to the toilet, let the great infrastructure begins –
Our goals are:
Eat well till full stomach.
Having clothes to wear but also being good looking.
To have a house that could cover all seasons.
Roads that leads to every place; develop agriculture, industry and commerce together.
No shortage of both material and spiritual needs.
He was DETERMINED to build a safe, comfortable and prosperous modern city in the wild world together with the native tribe with max efforts.

- Description from Novelupdates

In a parallel world where everyone was a Beastmaster, people would tame, train, and evolve their beasts. The Federal Government would give everyone their own beast egg at their coming-of-age ceremony. However, to evolve and grow the beast, they would need potions, gems, and other rare ingredients. Fortunately for Su Bai, he had awakened the Divine-grade Simplification System. With the system, growing a beast was as easy as it could get. “Lightning Rat detected. The evolution path has been simplified. Plugged in. Evolution points +1, +1, +1…”

“Bubble Turtle detected. The evolution path has been simplified. Shower. Evolution points +1, +1, +1…” “Flame Cat detected. The evolution path has been simplified. Sunbath. Evolution points +1, +1, +1…” A few years later, Su Bai, the Divine Beastmaster accepted an interview. “Mr. Su, can you tell us how you achieved your success?” “I spend my time growing my beasts when other people are showering or sunbathing.”