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March 18th, Konoha Year 41.
"Oh no, oh no, oh no..."
Uchiha Obito, wearing his trademark goggles, sprinted toward the Ninja Academy. But when he arrived, the entrance ceremony banner had already been taken down, and the students who had attended the ceremony had all dispersed.
He was late!
Missing the entrance ceremony meant that even if he passed the assessment, he wouldn't be able to enroll. He'd have to wait another whole year.
Uchiha Obito couldn't help but feel disheartened.
Just then, Kakashi walked past. Dressed neatly, a scarf wrapped around his neck, he held his admission documents casually under one arm. He stopped, turned his head slightly, and commented with a blank expression:
"Someone who's late to such an important event has no right to enter the academy. It's hopeless."
With that, he spread his hands indifferently.
Obito turned his head, grinding his teeth as he stared at Kakashi's condescending expression.
That guy… Really infuriating.
Just then, a soft and angelic voice rang out.
"It's okay, I got this for you!"
Obito turned to see Rin Nohara. Her gentle smile, paired with her small hands holding out the registration documents, made Obito's heart flutter.
At that moment, her kindness and beauty etched themselves deeply into his heart. Obito flushed red, clapped his hands together, and grinned.
"Thank you for your help! I owe you one — really, thank you so much!"
Rin smiled warmly. "You don't have to be so polite."
Kakashi, who was walking ahead, glanced back at them, snorted quietly, then shoved his hands into his pockets and walked away.
Not far off, under a tree, a boy quietly watched this unfolding scene — a pivotal moment in history.
His name was Xuan Yi. Surname: Shita. Given name: Xuan Yi.
Interestingly, for the past three generations in his family, no one had a surname. His surname "Shita" was actually given to him by his father. It wasn't chosen arbitrarily — rather, it commemorated the moment his parents fell in love beneath a tree.
Very Japanese, right?
Although his father had claimed it was a name full of meaning and hope, Xuan Yi knew it had probably been something decided in a rush the day his father passed the Ninja Academy entrance exam.
Leisurely turning around, Xuan Yi walked toward home, but his attention was fully focused on something far stranger — the brilliant purple light cluster flickering inside his consciousness.
It had appeared when he awoke that morning — along with the return of his memories from a past life.
A golden finger — the signature cheat of all transmigrators — had finally arrived.
Because he was preoccupied with the entrance ceremony, he hadn't had time to study it until now.
"Can I really realize the future in advance?"
Xuan Yi examined the information contained within the purple light cluster.
"Draw on future achievements like a salary advance?"
"No, that's not quite right. Maybe an overdraft?"
"No... It doesn't seem like I'll have to pay it back."
Xuan Yi muttered to himself.
Still, he found the golden finger interface rather abstract and hoped it would become more intuitive.
Just as he thought this, the purple cluster shifted and expanded into a simple panel.
It displayed two options:
[Overdraft Future Ten Years]
[Overdraft Future Hundred Years]
Only the ten-year option glowed with purple light — the hundred-year option was grayed out and inaccessible.
"Good, good, now we're talking!" Xuan Yi smiled with excitement. "But an explanation would be nice."
A moment later, a line of text appeared below the panel.
[The future that can be overdrawn (realized) in advance includes achievements and experience in various areas such as Ninjutsu — but does not include memories.]
"No memories, huh… That's acceptable."
Though he didn't recall every detail of the Naruto storyline, Xuan Yi knew that simply by being here, the timeline would shift. Still, knowledge about characters, personalities, and abilities wouldn't change, so he'd have an edge regardless.
"Ninjutsu… and experience — that's the jackpot!"
Xuan Yi's heart surged with excitement.
To be honest, when he had awakened to find himself in the Naruto world, he was anxious. This wasn't a world for the weak. The Ninja World was cruel — full of death and war.
Especially Konoha — a village simultaneously blessed by fate and cursed by destruction.
Becoming a ninja was already a dangerous gamble. Routine missions alone were life-threatening, not to mention the Great Ninja Wars.
Sure, he could have chosen to remain a civilian.
But to be powerless in a world full of danger… Xuan Yi would rather take his chances with a kunai in hand.
After all, he had a golden finger — he was a cheat character now!
Filled with anticipation, Xuan Yi quickened his pace.
When he arrived home, his parents were busy downstairs. Their family ran a small dumpling shop — the first floor was the store, and they lived on the second.
"Dad! Mom! I'm back! The entrance ceremony went smoothly!"
Xuan Yi waved the documents and darted upstairs.
His father looked up and smiled proudly. "Our family finally has another ninja!"
His mother, on the other hand, voiced her concern. "Being a ninja is dangerous, though…"
His father comforted her. "Don't worry. The Great Ninja War is over. By the time Xuan Yi graduates, he'll be doing simple missions. It'll be safe."
Though he had high hopes for his son, he never imagined anything more than a Genin. Becoming a Chunin would be a pleasant surprise. As for Jonin...
That was beyond imagining — absolutely unthinkable!
No one in their family line had ever reached Jonin.
…
Back in his bedroom, Xuan Yi wasted no time. He lay on the bed, closed his eyes, and focused on the overdraft panel.
"Ten years of future achievements… cultivation… experience… mission intel… everything!"
"In ten years, I'll be fifteen. As a transmigrator, becoming a Jonin by then should be the bare minimum. At best, I could hit Kage-level… Super Kage… maybe even Six Paths?"
"Come on, show me my future!"
With confidence, Xuan Yi chose:
[Overdraft Future Ten Years]
Instantly, the panel dissolved into a brilliant purple light. The cluster erupted, engulfing him. His body tingled as every cell trembled — like being struck by lightning.
Time lost all meaning.
Eventually, his consciousness returned. It felt like he'd just woken up from a six-year dream.
Wait — six years?
"Did I… die after six years?"
He frowned and quickly began inspecting his abilities.
"Three Body Technique. Basic Body Flicker. One Water Release jutsu… Water Release: Violent Water Wave?"
"…That's it?"
Xuan Yi stood up, his expression growing dark.
"This… this is all I gained from overdrawing ten years of my future?"
"Does this mean I died as a Genin? Or was I just this weak even after ten years?"
Impossible. Absolutely impossible!
Even if his natural talent was average, he had prior-life knowledge — he knew how things unfolded!
At the very least, he should've learned Rasengan, or even picked up Harem Jutsu for comedic effect, right?
He refused to accept this outcome.
Just then, a new annotation appeared on the panel.
[The future is not set in stone.]
[The present determines the future.]
Xuan Yi froze.
"…So that's how it is."
He realized something vital. The overdraft didn't grant him a guaranteed future — it only delivered what his current path would have led to.
In other words: the panel gave him what his real self — without motivation or change — would achieve in ten years.
A weak Genin, possibly dead by age 15.
Xuan Yi clenched his fists.
"No way… I refuse to end up like that."
From this moment on, he vowed to train harder, learn smarter, and break through every ceiling fate put before him.
Because now he truly understood:
The future is his to shape.