Chapter 360: The Wise Do Not Fall Into the River of Love

Liu Tianxian and her uncle were arguing over there, while Fang Hong sat alone on this side, not knowing what they were saying.

Only because the two of them had lowered their voices.

But he could roughly guess what they were discussing—nothing more than the uncle not wanting Liu Tianxian to bear this debt risk.

It was perfectly normal for him to have that worry; after all, he didn't know whether Fang Hong could actually develop, what the future would look like—even Fang Hong himself didn't know if he could develop, what the future would look like?

Because his career was all self-created, simply put, he started businesses based on the development of the times; it wasn't like he picked some company about to rise and played the investor.

He wasn't investing in some company about to rise or some person about to prosper, sitting around waiting for returns.

He wasn't playing it that way—he was starting businesses, and every business he started had to compete with others in the market: competing in literature, competing in short videos, competing in long videos—even Xiaohongshu would compete with others in the future.

If he couldn't win the competition, it meant all his efforts were wasted, all the resources poured in, all the capital invested—gone down the drain.

Chang'e isn't like Alibaba or Tencent, where if an incubated project dies, it dies, no big deal—even if dozens die, it's fine, operations continue as usual.

They have money, resources, traffic, they can afford to play; Chang'e can't afford to play that way.

But he did have a safety net—it wouldn't come to the point of being unable to repay and leaving Liu Tianxian saddled with debt. Not to mention assets and such—as long as he held on for a few years and let Nvidia's stock price rise, he could clear the debt.

No matter how he muddled along, he could still pay the interest every year. When Nvidia's market cap rose to eight hundred billion, one trillion, two trillion, would money still be money?

You have to know he bought in at a 7 to 8 billion market cap, so he had a safety net—no panic.

It's just that at the start he spread his stall too wide, accumulated too little!

At this moment, the uncle, facing Liu Tianxian, didn't know what to say. They say girls turn outward, and indeed that was the case.

He was trying every way to keep his niece from using her own assets as collateral, to set her aside, yet his niece insisted on throwing herself in.

Such a huge debt risk was no joke, but this niece of his was stubbornly, stubbornly obstinate.

No matter how much money he could make, his niece couldn't earn several billion a year to clear the debt—a few hundred million at most, and even working herself to the bone, it would only be enough to pay back principal plus interest each year.

That would take decades—a lifetime of debt clinging to her.

"Xixi, I need to discuss this with your mom," the uncle said.

This matter was too big; without going through his sister, he wouldn't feel at ease.

"Uncle, you can't tell my mom. This is my own decision—please let me make my own choice." Liu Tianxian spoke with genuine feeling.

If she told her mom, her mom definitely wouldn't agree. Her mom was too rational, too pragmatic—she wouldn't act out of emotion.

Her mom had been through two failed marriages and had already lived her way to clarity; she wouldn't act on impulse.

Even if she did act on impulse, it would only be for her daughter's sake, not for Fang Hong's—she didn't have feelings deep enough for Fang Hong to stake her entire fortune in support.

"Xixi, you can't bear this, it's too big. If I don't discuss it with her, I can't help you two." The uncle shook his head.

"Then fine, sorry to trouble you. We don't need your help anymore." Liu Tianxian lowered her head dejectedly.

Rather than letting her mom know, she might as well find another bank—she could still act as guarantor. Whether she could borrow 5 billion was uncertain, but at the very least it wouldn't be less.

"Xixi, why are you so stubborn? I'm doing this for your own good."

The uncle saw what she was thinking and advised earnestly: "It's not that I won't get you the loan, nor that I don't want to help you, nor that I don't believe you'll repay—I'm afraid his career will fail and he can't repay. If he can't repay, it's not a matter of wanting to or not—it's a matter of not having the ability. Do you understand?"

"I understand everything you've said, and I know you're doing this for my good, but I believe he can develop, and please believe in me too." Liu Tianxian looked at her uncle sincerely.

"Sigh, you girls in love—really, for the sake of love, not a shred of rationality." The uncle sighed.

"A love that's too rational isn't love. Isn't there a saying—the wise don't fall into the river of love. Just consider me temporarily insane." Liu Tianxian said.

The uncle shook his head with a wry smile and fell silent.

He knew that when his niece could say such a thing, she was clear-headed and deeply aware of the consequences.

But she still insisted on doing it regardless. One could only say this was the magic of love—knowing it might be a pit, she still insisted on jumping in.

"Uncle, please say yes, let me be willful just once, just once." Liu Tianxian held up one finger in plea.

The uncle looked at her and asked: "Do you know this one time could mean a lifetime of debt?"

"I know. I willingly accept all the consequences, no regrets whatsoever." Liu Tianxian nodded.

"Sigh," the uncle sighed again, not knowing what to say, and could only say: "Give me some time to think."

"Okay, but you can't tell my mom." Liu Tianxian knew this was basically a done deal.

The uncle said nothing, which counted as tacit agreement.

Liu Tianxian's face lit up with joy. She leaned her head on her uncle's shoulder and cooed: "I knew it—you're the best to me, always have been since I was little."

"Now you know I'm good to you? Just now you were talking back to me." The uncle pretended to scold.

"No way, I wasn't."

Liu Tianxian wouldn't admit it, her cheerful manner as if she'd already forgotten what just happened.

Seeing his niece like this, the uncle shook his head indulgently. His heart still softened, not knowing if it was right or wrong.

He only hoped that kid would have a bit more luck, a bit more steadiness, a bit more cleverness—don't crash, take off!

He walked toward Fang Hong and couldn't help saying: "You kid, I don't know what dogshit luck you've walked into."

"Maybe I saved the Milky Way in my past life!" Fang Hong knew clearly that if the uncle could say this, things were basically looking promising. Liu Tianxian couldn't help but laugh.

"You're quite the sweet talker." The uncle really wanted to hit him, not knowing what kind of potion he'd fed his niece to make her willingly bear several billion in debt risk.

"You've misunderstood me—I really do think so." Fang Hong said seriously.

"Let's go, head back, don't keep my sister waiting." The uncle didn't want to say more and turned to walk down the wooden steps.

Sweet talk had no effect on him.

Liu Tianxian gave Fang Hong a playful wink and tilted her head to signal they were leaving.

Now the sun was setting, and the time wasn't exactly early. They'd been chatting here for a long time—it was time to head back.

And from here to Liu Tianxian's home wasn't far, just a ten-plus-minute walk. This scenic area was originally near Liu Tianxian's home.

The three chatted as they walked back. The whole way, Liu Tianxian was making small talk with her uncle about family matters. Fang Hong had no chance to ask her how it actually went, whether she'd succeeded.

When they returned to Liu Tianxian's villa, Liu Xiaoli greeted them warmly: "You're here, come inside quickly, it's hot outside, the air conditioning is on inside. Dinner isn't ready yet—I just got back from buying groceries."

Of course, she wasn't warmly greeting Fang Hong and Liu Tianxian—she was greeting the uncle.

Chen Jinfei wasn't there; he must have left. He's probably still sulking. That kind of thing can't be explained in a word or two — either he figures it out himself,

or you keep showing goodwill to make your intentions clear, so the other person knows you didn't mean it that way. Otherwise, there's no other way.

"Just a simple meal will do, we're all family here, no outsiders, keep it casual," her uncle said politely.

"True enough."

Liu Xiaoli invited her uncle inside and chatted: "Why didn't you come with your sister-in-law?"

"I came over this time on the spur of the moment to check on you all. I'll bring her next time."

"."

Uncle and Liu Xiaoli walked and chatted, paying no attention to the two behind them — those two weren't guests, they could take care of themselves.

Fang Hong and Liu Tianxian hadn't gone inside; they were still outside. Fang Hong leaned close and asked hopefully: "How did your talk with your uncle go? Did it work out?"

"Sigh, no." Liu Tianxian put on a crestfallen little look.

"Ah, how could that be?" Fang Hong was taken aback.

Just now, judging from her uncle's manner and the conversation, it was clearly a success — had he guessed wrong?

"My uncle didn't agree," Liu Tianxian said, her tone deflated.

"Alright then!" Fang Hong's expression fell; he'd have to think of another way.

To think that even with connections it couldn't be done — how miserable!

Liu Tianxian glanced at his face and burst out laughing: "I'm teasing you. My uncle said he'd think about it."

"You—"

Fang Hong was speechless. He'd been worrying, and she still had the nerve to tease him. But what he didn't quite understand was: "Think about it — what does that mean?"

"Basically it's a done deal, nothing too big to worry about. Don't be too anxious." Liu Tianxian gently patted his chest.

Fang Hong relaxed a little and asked tentatively: "Five billion?"

"I don't know the exact amount yet, but I'll definitely help you raise it all. Otherwise, why would I go to such lengths, right?" Liu Tianxian reassured him.

"That's good then." Fang Hong said, then asked: "Are you the guarantor?"

"Of course I'm the guarantor. If I weren't, how could I possibly raise it all for you?" Liu Tianxian said lightly.

"Aren't you afraid I'll run off?" Fang Hong looked at her.

"Are you really that spineless? Running off over a bit of money like this?" Liu Tianxian asked back, her tone laced with sarcasm.

"Who says I'm spineless? I was just asking. I definitely won't run. If I did, where would I find such a beautiful wife, right?" Fang Hong threw an arm around her shoulders.

"Well then, since you won't run, what have I got to fear?" Liu Tianxian pressed against him.

"Xiao Feifei, you're so good to me, I don't even know how to repay you," Fang Hong said, moved.

"What's this about repaying or not — between us two, let's not talk like that." Liu Tianxian waved a hand.

She had already decided to spend her life with this man; she'd never thought of asking for repayment. As long as he was doing well, and didn't carry too much pressure, that was enough.

Help a little where she could; she couldn't do too much.

Fang Hong fell silent. The more Liu Tianxian was like this, the more strangely moved he felt inside.

An ordinary person couldn't do this much — even relatives couldn't. Many relatives, let alone guarantee a loan, would shake their heads outright at lending a bit of money.

Liu Tianxian tilted her head and looked at him: "If you really want to repay me, come here, give me a kiss."

She tilted her head and tapped her own cheek with a finger.

(End of chapter)