The word Cliché is an understatement for this fast as* plot, come on, put some depth into your novel, the only thing that's keeping your novel from being the same as MTL is the decent English, you could have put some time to add depth into your novel, your novels feels like a copy and paste of typical URBAN Chinese novel with the author having patience of a 5 year old, and imagination of a person under a rock, just by having 1 love interest you separate from the other urban novels, by having patience and making it so that he spends his money in a smart way would make your better than others, and by making his system point is converted by spending money with a ratio of 1:10000 and by having plans & goals you will have something to look forward to.