Apocalypse: I Have A Multiplier System - Chapter 6 - : Qin Feng

A calculating merchant of noble birth lives a comfortable life managing his guild's business at the Imperial Academy—until lightning strikes him, leaving him with prophetic visions of a disastrous future. In these visions, he's expelled from his family, branded a traitor who aids demons, and worst of all, becomes a penniless beggar. When the supposed “protagonist” of these prophecies enrolls at the academy, he realizes his countdown to ruin has begun. Now he must use his foresight to rewrite a story where he's cast as a third-rate villain, all while navigating ancient dungeons, demonic threats, and the troublesome “hero” who might be the key to changing his fate.#MoneyIsEverything

I have a childhood friend.

Yeon-woo had a twin brother who disappeared five years ago. One day, a pocket watch left by his brother returned to his possession. Inside, he found a hidden diary in which was recorded “By the time you hear this, I guess I will be already dead….”

When Yue Qiang dropped all 8 free distribution stat points into his Charm stat, his entire life changed.

- Description from Novelupdates