Jin Xia

Biodata

Background / History

Childhood and Poverty

Jin Xia grew up at Tongxin Welfare Home under director Wang Xiumei, whom she calls “Mom” or “Mama Director.” Even the director does not know exactly how she arrived there. Resources were scarce: roasted sweet potatoes, once shared around a brazier during New Year, eventually became a luxury as the number of children increased 6 18.

Before university, Jin Xia worked part-time at a mobile-phone shop. After a customer stole a Samsung W2014 while she was assisting him, the owner made her repay its cost from her wages, leaving her only five hundred yuan a month for living expenses. She also endured harassment from her landlord while living in a small rented room 3 16.

Previous Life

Jin Xia spent her last two yuan on a lottery ticket and won ten million yuan, receiving eight million after tax. Terrified of returning to poverty, she bought a 29,999-yuan course promising social advancement and entered a socialite-training program in Hong Kong City. Over five years, she exhausted her winnings and borrowed more than ten million yuan through Sister Amy’s high-interest lending connections 3.

The Lu family’s matriarch selected Jin Xia as Lu Mingchuan’s prospective wife and instructed others to present her as an heiress from the wealthy Jin family. Jin Xia spent three years tolerating his insults and affairs to secure the family’s approval. When he missed their engagement banquet and demanded that she apologize to his lover Coco, she finally agreed to end the engagement 1 2 3.

While attempting to leave Jing City, Jin Xia was abducted by Brother Biao’s debt collectors. Lu Mingchuan refused their twenty-million-yuan ransom demand. Facing forced removal to Southeast Asia to work as a dealer, she attempted to escape and ultimately jumped from the unfinished building’s rooftop 3 4.

Her later recollections also include imprisonment after being reported and nearly failing to graduate because she neglected university for social climbing 9 13.

Rebirth and Independence

Jin Xia awoke in her old rented room in 2015, on the day she won the lottery. She claimed the prize again but rejected the socialite-training path. Remembering an imminent redevelopment, she contacted a real-estate agent to buy property before demolition compensation increased its value 4.

She resolved to build her wealth through legitimate business rather than depend on a wealthy husband. She arranged to purchase an old Western-style house, bought an Alphard, and hired An He as her driver 5 6.

Saving the Welfare Home

Remembering that Wang Xiumei had died shortly after her departure in the previous timeline, Jin Xia contacted the welfare home before the same crisis could recur. It owed five years of rent and had only three days to vacate. Jin Xia offered one million yuan in support, had An He pose as the investor, and relocated its fifty-six children to a former nursing home in Huaxi Village 6 7.

When Wang Xiumei collapsed and doctors suspected Gaucher disease, Jin Xia refused their recommendation to abandon treatment without access to a medical program. She supplied three million yuan for initial care despite an estimated initial cost of one million per month. Imported medicine brought the director’s condition under control 7 8.

Jin Xia also arranged an amusement-park outing, challenged a guard’s unauthorized ticket charges, and recruited additional caregivers and specialists. Mengmeng’s worsening leukemia further strengthened her determination to obtain medical resources for the children 9 11 14 17 18.

University and Harassment

Returning to Haida University as a freshman, Jin Xia accepted her roommates’ friendship instead of distancing herself from them as she had previously done. She resumed studying seriously, although lectures and coursework remained difficult. She also sought access to Academician Wang Jian because of Mengmeng’s medical needs 13 14 21 23 25.

Her conspicuous spending attracted campus attention, while Yan An’s unwanted advances and Liu Yan and Liu Rui’s hostility led to rumors that an older man supported her. Jin Xia hired Lawyer Chen and demanded legal punishment rather than financial compensation. Two students were subsequently criminally detained for spreading rumors 23 25 33 34.

After Zhang Ru was attacked for refusing to provide damaging information about her, Jin Xia comforted her and confronted Liu Yan. Separately, her report and video evidence caused Jianjun Bank to remove Vice President Lin Yi, Liu Yan’s uncle 37 38.

Business Expansion

Jin Xia hired Song Ming as her assistant and trader, then recruited Hu Junyi, whom she remembered as the inflexible trust-fund professional involved in her previous life’s prenuptial arrangements. She established a company, committed fifty million yuan to Bitcoin, and used the proceeds to pursue a technology business centered on Sound Rhythm Jump 19 28 30 34.

She later invested twenty million yuan in the struggling Hualun Shengmei International Plastic Surgery Hospital, insisting on absolute decision-making authority over its reforms and development. By combining cosmetic-treatment models, influencers, referral incentives, and prepaid balances, she helped the hospital gain widespread attention and nearly recover her investment within half a month 40 41 42 46.

Financial Milestones

All amounts are in yuan. Company balances are distinguished from Jin Xia’s personal funds.

Appearance

• Facial features: A delicate face, long willow-leaf eyebrows, phoenix-shaped eyes, and pearly teeth 2 14.
• Complexion: Described as creamy-smooth and striking even without makeup 14 18.
• Hair and styling: Wears her long hair pinned up for her meeting with Song Ming, paired with a simple silk dress and understated makeup 18.
• Bearing: Poised and elegant at her engagement banquet; her youthful appearance contrasts with the authority she projects in business 1 12 30.

Personality

Jin Xia’s original pursuit of high society grew from an intense fear of hunger and poverty. She treated marriage into the Lu family as a route out of insecurity, enduring humiliation and neglecting both her education and personal relationships. After rebirth, she recognizes that dependence as a mistake and seeks control over her own livelihood 3 4 13.

Her renewed attachment to Wang Xiumei and the children makes her more compassionate and attentive to others’ burdens. She comes to understand the caregivers’ exhaustion, protects the director from distressing information, and spends substantial sums on treatment. Friendship with her roommates and An He also gives her a sense of affection she had not appreciated in her previous life 8 9 20 39 48.

Her generosity coexists with a retaliatory streak. She refuses to excuse harassment, demands punishment for rumor-mongers, and insists that employees respect her final authority. She remains outwardly composed even when business successes leave her privately exhilarated 33 34 35.

Abilities & Skills

Memories of the Previous Timeline

Jin Xia retains knowledge of future events, market trends, people, and consumer tastes 4 13 30 34.

• Anticipates property redevelopment and the A-share market collapse 4 13.
• Recognizes Hu Junyi’s future professional competence before hiring him 30.
• Identifies Sound Rhythm Jump and particular influencer accounts as opportunities before their later success 34 44.
• Her memories do not replace technical expertise: university classes remain difficult, and her company still needs capable developers 23 35.

Investment and Asset Management

Jin Xia combines advance knowledge with intensive study of finance, including compound interest and asset allocation 26.

• Personally executes leveraged short positions 13.
• Delegates trading to Song Ming and accepts a batch-purchasing plan for the company’s Bitcoin investment 19 29 30.
• Considers property-backed financing and asset-preserving purchases when planning future investments 26 34.
• Prioritizes technology development and financing relationships over maximizing every investment’s immediate return 35 37.

Social Training and Luxury Authentication

Her former socialite training gives her practical knowledge of art, presentation, and luxury goods 6 26 45.

• Establishes rapport with artist Song Min through their shared cultural knowledge 6.
• Identifies inconsistencies in Yan An’s purported LV sneakers and exposes his fake Chanel bag 26 45.
• Recognizes the overpowering imitation perfume used in her dormitory 49.

Marketing and Content Production

Jin Xia applies her knowledge of later internet trends to influencer recruitment, cosmetic-medicine promotion, and video content 44 46 47.

• Builds an influencer network rather than relying only on ordinary promotional posts 44.
• Demonstrates photo and video retouching and arranges professional training for creators 47.
• Uses her necklace to demonstrate subtle product placement 47.
• Encourages Song Li to improve product presentation and raise her dress prices from seventy-nine yuan to at least 179 or 189 yuan 50.

Evidence Gathering and Fraud Awareness

• Records the amusement-park guard’s insults and submits the dispute to municipal service staff 11.
• Uses legal representation against defamatory campus posts and supplies evidence against Lin Yi 33 37.
• Detects a suspicious police call, visits a real station, and learns that the caller used a virtual number disguised as 110 48.

Equipment / Property

• Alphard: Her chauffeured vehicle, normally driven by An He 5 21.
• Old Western-style house: Purchased from artist Song Min; used as her private home away from campus 6 13.
• Laptop: Used for trading, financial research, and managing business matters while traveling 13.
• Two Hästens mattresses: Purchased for two million yuan; she places particular importance on sleep after experiencing a sleep disorder in her previous life 12.
• Former welfare-home and scrap-yard properties: Acquired before redevelopment and later converted into demolition compensation 12 13 28.

Relationships

• Wang Xiumei — Maternal figure and welfare-home director. Jin Xia calls her Mom, finances her treatment, and conceals the true source of the money so she will accept help 6 8 20.
• An He — Driver and trusted aide. Initially poses as the welfare home’s investor; later shows Jin Xia caring, older-sister-like affection 6 9 48.
• Mengmeng — A younger child from the welfare home who once encouraged Jin Xia before her entrance examination. Her leukemia becomes a major reason for Jin Xia’s pursuit of medical resources 17 18.
• Teacher Bai — Welfare-home caregiver who coordinates with Jin Xia on outings, recruitment, and Mengmeng’s hospitalization 9 14 17.
• Lu Mingchuan — Former fiancé in her previous life. His infidelity and humiliation prompt her to leave; he later refuses the kidnappers’ ransom demand 2 3 4.
• The Lu family’s matriarch — Selects Jin Xia as a prospective granddaughter-in-law and sponsors her false identity as a wealthy heiress 1 2.
• Song Ming — Assistant and trader, hired on a ten-thousand-yuan base salary plus ten-percent commission. He becomes a central executor of her investment plans 19 30.
• Hu Junyi — Company accountant and financial planner. Previously helped impose restrictive prenuptial terms on her; in the new timeline, he works under her authority 30 35.
• Song Li, Zhang Niannian, Zhang Ru, and Meng Ya — Dormitory friends. Jin Xia shares her resources with them, supports their cosmetic treatments, and experiences a closeness she previously rejected 14 39 46 50.
• Wang Jian — University lecturer and academician whom Jin Xia hopes can help with Mengmeng’s treatment 21 23 25.
• Bai Qiao — An acquaintance from the welfare home working in research and development at Rock. Jin Xia approaches him about joining her technology venture, though his noncompete agreement presents an obstacle 20 35.
• Zhang Yu — Jianjun Bank manager whom Jin Xia supports with a planned two-hundred-million-yuan placement after Lin Yi’s removal 37.
• Yan An — Unwanted suitor whose fake luxury gifts and misleading public claims Jin Xia rejects 25 45.
• Liu Yan and Liu Rui — Hostile cousins involved in harassment and rumors surrounding her; Liu Yan also targets Zhang Ru 34 37 39.
• Xiao Ni-chan — Influencer who joins her promotional work and comes to admire her editing and advertising expertise 46 47.

Notable Quotes

“If you weren't the Lu family's heir, do you think I would have tolerated you? Lu Mingchuan, a scumbag like you doesn't deserve my kindness!” 2

“It's only right for women to help one another.” 37

“It's fine. I'm the investor, so what are you worried about? No one can avoid making mistakes, and no one can succeed right from the start.” 44