Chapter 307: Wealth Conversion System 2.0
Chapter 307: Wealth Conversion System 2.0
This was the first time in over a year since Pei Qian obtained the system that he managed to ruthlessly fleece it.
Previously, his highest loss record was just over 20,000, and the highest conversion he ever achieved was during the fourth settlement, when he converted 40,000 yuan from profits.
But this time, Pei Qian directly pushed that record up by a factor of thirty!
In an instant, Pei Qian felt that all the struggle had meaning! All the suffering had value!
As for what to do next cycle…
Heh, that’s a problem for future him!
Pei Qian also noticed that the villa he bought at Mingyun Mountain Villa had increased in value!
The villa that originally cost a bit over six million had now risen to over eight million.
This was clearly because Mingyun Private Kitchen had significantly boosted the surrounding land prices, which caused the villa’s value to rise along with it.
Fortunately, because the system only counts 10% of Fixed Assets into System Funds, even though the villa’s price rose by two million, it only added about 200,000 of burden to the System Funds—still within an acceptable range.
No matter how you look at it, this round of “drinking poison to quench thirst” worked!
Pei Qian finally let out a long breath of relief.
In his field of vision, the light-screen continued to display new text.
[Special Task This Cycle: ‘Profit and loss are both part of business.’ The host seems excessively fixated on temporary profits, which is not the mindset a true business prodigy should have. The system recommends achieving a loss by next settlement. (Completed)]
[Special Task Reward: A mysterious surprise within system rules. (Available)]
“It’s here, the special reward!”
Pei Qian felt a little excited. After all, this cycle had been exhausting—organizing the Digital Festival, spending money in a hurry… Partly to convert more money through losses, and partly to get this special reward.
[System Reward Obtained: Rule Adjustment (Charity)]
[A distinguished entrepreneur must be passionate about public welfare, frequently participate in charity, and contribute significantly to society.]
[Every great entrepreneur must recognize a proper concept of wealth: possessing wealth means carrying greater responsibility. This wealth does not truly belong to the individual, but is entrusted by society to be managed properly.]
[The prohibition on charity activities is lifted. Starting next cycle, the host may carry out limited charity activities. Each cycle, the maximum amount of System Funds that may be spent on charity cannot exceed 50% of the cycle’s initial System Funds.]
[This reward will take effect after the system upgrade.]
“Huh?”
Seeing this long string of explanations, Pei Qian was a bit dazed.
He originally thought it would be something simple and brutal, like having him cursed with bad luck, and losing money like crazy just by lying in bed, reports of losses pouring in from everywhere.
But no.
The special reward he had longed for turned out not to be a physical item at all, but a minor adjustment to the system’s existing rules.
Previously, using money for charity was classified as “malicious loss-making” and absolutely forbidden.
But now, that restriction had loosened a little.
“Uh… So this basically means every cycle I get a fixed amount of money that I can spend on charity?”
“That’s great!”
Pei Qian understood very well that any new field for burning money was incredibly valuable!
In many past cycles, he had failed to achieve losses simply because, no matter how much he racked his brains, he still had a few million left unspent.
But this time, the system allowed him to use up to half of the cycle’s initial System Funds for charity.
To put it simply—if next cycle starts with ten million, he can spend five million on charity.
That’s a huge amount!
With this, Pei Qian essentially gained an additional outlet for spending money, reducing the burden of the next cycle by five million.
But all other rules remained unchanged. Pei Qian still had to ensure that the company’s cash flow never broke, and within that constraint, lose as much money as possible.
However, this new reward would not take effect immediately—it required a “system upgrade.”
The light-screen of Pei Qian’s system appeared once again.
[Next Settlement Date: 150 days later]
[System Funds about to be replenished. Target Amount: 10 million]
[Replenishing: 4.06 million yuan…]
[System Funds Fully Replenished]
[System Funds: 10,000,000 + 840,000]
[Fixed Assets: One commercial-residential villa at Mingyun Mountain Villa (8.46 million)]
[Personal Funds: 1.83 million]
[Before entering the next settlement cycle, the system will undergo an upgrade. Please carefully read the update notes.]
As expected, this was a very “responsible” system.
Pei Qian began reading through the so-called “system update notes.”
[Taking into account Tengda Group’s industrial scale, System Funds amount, and the host’s Personal Funds, the system is now eligible for an upgrade to Version 2.0.]
[Due to the Matthew Effect, the original conversion ratios will be adjusted.]
[Original surplus conversion ratio: 100:1; loss conversion ratio: 1:1]
[Adjusted ratios: surplus conversion 1000:1; loss conversion 10:1]
[As compensation for the host, upon upgrading to Version 2.0, the system provides the following benefits:]
[1. Each cycle where the wealth conversion value reaches at least 200,000 will grant one mysterious reward within system rules.]
[2. If there are unreleased products within one week before settlement, they may still count toward settlement. However, only one such product is allowed per cycle, and it must be released before the next settlement.]
“HUH???”
Pei Qian felt dizzy. The first thing he noticed was the heart-crushing ratio change!
What kind of nonsense was this?!
He carefully reread the long explanation.
Pei Qian of course knew what the “Matthew Effect” was. Simply put: when an individual, group, or region achieves success in some aspect (such as wealth, reputation, status), this creates accumulating advantages, giving them more opportunities for even greater success.
Applied to economics, it describes the structural imbalance of “the winner takes all.”
In simple terms, the Matthew Effect means: the rich get richer, the poor get poorer.
The system believed that, given Tengda’s current scale, system funds, and personal funds, the difficulty of both making profits and incurring losses had drastically decreased compared to earlier stages.
Therefore, the system needed to adjust the wealth conversion ratios.
Pei Qian was speechless.
“Damn it! Stingy system!”
“I only exploited you ONCE! And I just fleeced a little over one million!”
“You won’t even let me fleece another million? Stingy!”
But Pei Qian also knew deep down that this adjustment was inevitable.
As the business kept expanding, both profits and losses grew exponentially.
Turning 50,000 System Funds into a profit of one million, versus turning 10 million System Funds into a profit of one million—those difficulties were worlds apart.
Clearly, the system didn’t intend to let the difficulty level continue dropping.
Still, the system was somewhat generous. After changing the conversion ratios, it also offered benefits as compensation.
This cycle’s special reward—that he could designate funds for charity—was extremely valuable.
And after the upgrade, similar rewards would become permanent, available every cycle.
At the same time, the system also relaxed the settlement requirements, meaning he could effectively extend a single product’s development cycle across two settlement cycles.
This didn’t seem like much at first glance, but its actual significance was enormous!
Currently, each settlement cycle is roughly 4–5 months long. If a product wasn’t released by the end of the cycle, it still wouldn’t affect settlement. That meant he could continue burning money on that product, using it as a last-minute loss-making tool—so long as it launched before the next cycle’s settlement.
And once the next cycle began, he could choose a new product to repeat the process.
In other words, the difficulty of losing money had drastically decreased!
Pei Qian thought for a few minutes, then decisively made his choice.
“Upgrade.”
“You’re giving me a serious lecture about system rules, but honestly, did I ever actually have a choice?”
Pei Qian was speechless. On the surface, it looked like he could choose whether to upgrade or not.
But if he refused to upgrade, the system wouldn’t move on to the next settlement cycle, and the new charity-related reward he just earned wouldn’t come into effect.
Without upgrading, he would have no way to continue fleecing the system.
Of course, Pei Qian could invest the 1.8 million he currently had and make more money that way.
But… Pei Qian absolutely had no intention of doing that.
In the previous cycle, in just four months, he had fleeced the system for over 1.4 million. He had finally unlocked the “correct way” to use the system. And now he should abandon it and try to make money by himself?
Wouldn’t that just be asking for misery?!
After all, as the saying goes: A rich second generation who wastes money on eating, drinking, and having fun is not dangerous—they won’t burn through the family fortune that quickly. The real danger is letting them invest their own money; that’s how you get someone bankrupt—and their father crying in less than a week.
Pei Qian had finally saved up this small fortune. If he went into business on his own and lost it all, wouldn’t he just vomit blood on the spot?
So sticking to fleecing the system was clearly the wiser option!
After the upgrade succeeded, Pei Qian took another look at the system panel.
[Wealth Conversion System 2.0]
[Host: Pei Qian]
[Profit Conversion Ratio: 1000:1 | Loss Conversion Ratio: 10:1]
[Next Settlement Date: 150 days later]
[System Funds: 10,000,000 + 840,000]
[Fixed Assets: One commercial-residential villa at Mingyun Mountain Villa (8.46 million)]
[Personal Funds: 1.83 million]
[If wealth conversion value exceeds 200,000 this cycle, a mysterious system reward will be granted.]
[Products not released one week before settlement may still be included in settlement. Limited to one product per cycle, and it must be released before the next settlement.]
Pei Qian leaned back in his chair and let out a long breath.
This cycle was finally over!
Though there had been plenty of twists and turns, at least he succeeded in losing money in the end.
One successful loss was worth more than ten rounds of profit-based fleecing.
Even though the system upgrade lowered the conversion ratio for losses, future system funds would continue to increase. If his initial funds eventually reached 20 million or 30 million, then losing ten million would still net him one million in Personal Funds.
Moreover, the system now allowed one unreleased product per cycle, plus the current 5-million charity quota. Losing money should be even easier than before!
Yes, there’s nothing to worry about.
The future still looked bright!
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