My stats are higher than yours!!

Bai Shuodong leaned forward, seemingly finally relieved.

Suddenly, he came back to life, staring intently at Xia Yanxin beside him, and asked, "Then let me ask you, let me ask you, since becoming a psychic is so expensive, how do other psychics survive? Are they all dead poor?"

"if not?"

Xia Yanxin tilted her head, puzzled, and asked, "So you're just dirt poor?"

"In the early stages, the equipment you can get in the Spirit Realm depends entirely on how much you loot and resources you gather. The rewards from exploring the Spirit Realm are minimal... Otherwise, why do you think the school emphasizes teamwork? It's because individual strength is insufficient and the rewards are meager, which is why we need to practice teamwork!"

"..."

Bai Shuodong fell into a long silence, and for a moment, he didn't know what to say.

It seems that whether they are psionicists or ordinary people, they are all equally poor at the bottom, so poor that they may not even realize how poor they are unless someone points it out to them.

Take me for example.

"However, there are actually shortcuts to improving your strength."

"Oh?"

"That's a loan! We can borrow a large amount of spirit points in advance to upgrade our equipment and attributes, and improve our skills. Then, our gains in the spirit world will increase significantly! We can use the increased gains to fill the gap!" Xia Yanxin said with a smile.

"It seems... that's possible?"

"The most popular peer-to-peer lending program on the market right now is called LoanBai. The interest rate isn't high, but the initial loan amount is relatively low. There's also a government subsidy recently. If you choose the three-month repayment plan, you can enjoy interest-free interest for the first month, and then a 10% monthly interest rate from the second month onwards. It's relatively cost-effective."

"Oh, so that's a 10%... monthly interest rate?"

Bai Shuodong's eyes widened in an instant, his forehead slightly raised, giving him a "What are you talking about?" look.

He wasn't unfamiliar with the loan industry before, but what he knew about were loans for ordinary people, which unfortunately were mostly scams.

After all, he was quite young at the time, so what good things could he possibly be willing to lend him money for?

It's all usury!

Compared to this "LoanBan", all those loan sharks I encountered before seem like philanthropists now!

"Sigh, let me explain it to you."

Xia Yanxin looked at him helplessly.

At the same time, the classmate from before arrived with a meal and card, smiling and placing the meal in front of her before leaving.

Xia Yanxin completely ignored the guy and continued, "When you first become a psionicist, that's when your strength improves the fastest. A simple piece of equipment or a few attribute points can greatly increase your strength."

"As long as our strength increases and exceeds a certain threshold, the amount of spiritual energy points we can obtain after entering the spirit world will increase significantly. With more spiritual energy points, we can obtain more useful resources, and after converting these resources into cash, we can earn a large number of spiritual energy points."

So...

"As long as the amount of spiritual energy points we gain after our strength increases is greater than the amount of spiritual energy points we gained before our strength increased, then it's a profit for us. The speed of becoming stronger has increased, and the amount of resources we gain each time is also greater."

"Hmm...that seems to make some sense?"

Bai Shuodong frowned slightly, but he quickly understood something else, which was...

No wonder the top people are so rich!

If you start a lending company, you can lie around all day doing nothing, and psionic points will come in like a tidal wave. No wonder the school doctor told me that psionic points are just numbers to them, not even considered a mainstream currency.

If I could run a company like that, I could spend my Spirit Points like crazy!

Exorbitant profits!

That's outrageous!

And this stuff even has government subsidies! It's considered legal income! It's recognized by the state! My God! Is there no justice left?

However, Bai Shuodong quickly realized another problem and asked, "If that's the case, then the number of psionic points accumulated by those large companies must be an incredibly high figure, right? If these psionic points were distributed as benefits to others..."

What are you thinking!

Xia Yanxin glanced at him, then sneered and said, "Even if those guys use their psychic points to upgrade weapons to +15 or higher until they're empty, they won't give those psychic points to ordinary people."

Upgrading weapons is a bottomless pit.

Normal enhancement costs are not high. There is a threshold of 3 levels. Every 3 levels of enhancement will reliably grant a special attribute. Therefore, the higher the level of the weapon, the higher its strength.

The first three levels of enhancement have no consequences if they fail.

Levels 3-6 can be enhanced, but there is a chance of losing a level if the enhancement fails.

Levels 7-9 enhancements will result in a level reduction if the attempt fails.

Upgrading to levels 10-12 will result in a level reduction if it fails, and there is also a certain probability that the weapon will explode and shatter.

Upgrading to level 13-15 has an extremely low success rate; failure will definitely destroy the weapon, making it a complete waste of time and resources. Very few people would upgrade their weapons to such a high level.

"Ah! The world is so diverse~"

Bai Shuodong sighed helplessly. He looked at Xia Yanxin and said, "I hate rich dogs like you. You make me feel the deep malice from this world. This is too much for me."

"Want some psionic points?"

Xia Yanxin licked her lips, smiled, and leaned closer to ask.

"miss you!"

Bai Shuodong nodded repeatedly. At this moment, he had a deep understanding of his own poverty, and his desire for money became even stronger.

He wasn't stupid; he knew that Xia Yanxin had actually told him all the expenses at once, but a normal person would never spend that much. She was simply putting pressure on him and setting conditions.

but...

Do you stop eating just because you know it's stressful?

That's the mindset of the weak!

Even knowing it would be stressful, Bai Shuodong had to eat it because he wanted to become stronger. Only by acquiring enough spiritual energy points could he become more powerful. Things that others didn't need to consider, he had to consider.

Power is always accompanied by poverty.

Suddenly, he remembered Lin Zilong, who had previously helped him beg for money, and now he finally understood the other's situation.

The warrior class is really tough...

“Come join my team, the College Entrance Examination Preparation Team. Team up with me, and I’ll give you 100,000 spirit points as an entry fee. I’ll only give you 3 seconds to think it over,” Xia Yanxin said, staring at him.

"I agree."

Bai Shuodong answered immediately and decisively, with only the 100,000 spirit points remaining in his mind at that moment.

That's money!

Chapter 89 The Old Man Teases the Naughty Boy

"Hmm, very good! Excellent! I think you have a bright future ahead of you!" Xia Yanxin patted his shoulder with a smile, her smile growing even wider.

"I really want to improve."

As he spoke, Bai Shuodong couldn't help but feel a little puzzled and asked curiously, "By the way, your family is so rich, why are you still studying at this Psionic Academy? You could easily afford to go to a better school, right?"

"Uh..."

Xia Yanxin's smile faltered, and she looked to the other side, casually saying, "Back in junior high, there was this rich kid who kept bothering me. I got fed up, so I kicked his ass out."

Bai Shuodong's lips twitched, and he suddenly felt as if he were experiencing phantom pain.

No wonder they came to such a small place.

It turns out that someone above them had offended someone.

"Are you afraid?"

Xia Yanxin suddenly turned around and asked.

"I'm just afraid I can't beat you."

Bai Shuodong replied.

Xia Yanxin smiled and then asked, "So what's your profession?"

"The Forbidden Traveler".

"what?"

Xia Yanxin's smile froze, and her expression began to look strange, clearly affected by the reputation of the Forbidden Walker profession.

She grabbed Bai Shuodong by the collar, pulled him in front of her, and yelled, "Are you sick? Didn't you even look at what kind of crap you chose before selecting a job? Is that even a job for a human?"

"Domains are a standard requirement for Tier 3. You're asking me to build domain abilities in advance for a Tier 1 skill. Do you think you can do it? Even Tier 1 mages can't build domains. Where are you going to build them?"

"Passive requires continuous exposure to forbidden items to increase attribute values, but the stronger you are, the more dangerous the forbidden items you need to expose to become. You might die at any time. If you don't want to expose to them, you will lose your most core ability, making you even worse than a hero-level profession."

"Only the Myriad Manifestations and Forbidden Body are versatile skills with sufficient strength. The Forbidden Release is even more outrageous. You need to consume the forbidden power you have acquired to unleash its power. Without the forbidden power, it's as if you don't have this skill."

"For a normal person, it inherently lacks one core skill and two passive skills, making it inferior even to a hero-level class!"

"It's okay. I'm not a normal person. I already have two taboos."

Bai Shuodong replied with a smile.

"Ok?"

Xia Yanxin narrowed her eyes and carefully examined Bai Shuodong's attributes. Her expression immediately became interesting, and the beautiful values ​​were dazzling.

The Forbidden Walker class is indeed trash when you haven't touched the forbidden, but once you do, it becomes a true legendary class, and a legendary class with explosive stats.

A number must have a value.

The mechanism must have numerical values.

At level 1, the effect isn't very noticeable. However, once Forbidden Body reaches its maximum level, it unconditionally increases the base stats of all attributes by 50%, which, combined with the passive boost to base attributes from Forbidden Power...

Furthermore, although building a skill set is difficult and you'll likely be missing one skill, the "All Things Under Heaven" skill can be used as three separate skills, effectively compensating for this. In addition, the number of Forbidden Release skills depends entirely on how many Forbidden skills you've unlocked...

True Taboo Walkers actually possess more skills than regular Legendary-level professionals.

The prerequisite is that you have to keep courting death!

Constantly touching upon all sorts of taboos!

"Oh right, what skill did you generate using the Myriad Manifestations of the Universe?" Xia Yanxin asked.

"No, there are too many options, I don't know which skill to choose." Bai Shuodong shook his head helplessly.

"What's there to hesitate about? The skill switching cooldown for Senluo Wanxiang is only 24 hours. If you're not satisfied with your current skills, you can switch them again the next day. You haven't even generated any skills yet."

"what?"

Bai Shuodong was stunned.

He knew that the Myriad Manifestations of the Universe was powerful, but he didn't know it was this powerful. It could switch skills every 24 hours, which was simply incredible.

The special legends are definitely overpowered!

The special logo didn't come for nothing!

"You'll see once you try it. You can only see the cooldown after the skill is generated," Xia Yanxin said with a smile.

"it is good."

Bai Shuodong nodded.

Then, he had a sudden thought.

[Hint: Confirm whether to generate the skill "Brutal Crush" using the "All Things Under Heaven" method]

【All Things in the Universe - Violent Crushing】

Skill Level: ★★★

Skill Level: 3

Skill effect: When engaging in a power clash, an additional 20% power is applied. After each successful power clash, an additional 20% penetration damage will be dealt.

Skill switching cooldown: 24 hours

Skill switching cooldown: 24 hours

Additional information: Both share the cooling function.

That's really impressive!

It features 24-hour switching cooling!