MTL - The Legend of Futian - v9 Chapter 2233 found it

Jin Rou wanted to be a cultivator who defied the heavens, and surpassed all limits.

Unfortunately for him, he died, and now I’m stuck here. Arrogant young masters? Heavenly tribulations? Cultivating for days on end, then getting into life or death battles?

Yeah, no thanks. I’m getting out of here.

In which a transmigrator decides that the only winning move is not to play.

The doomsday fell upon the earth when a dragon coffin sealed under a snow mountain for ages shifted, and the civilization of gods and devils began. The whole universe turned into a fantastic new world where everyone could rise to the top through cultivation. A lucky young boy seized the opportunity, and started his journey to be an overlord in cultivation.

- Description from Novelupdates

Jin, a hardcore gamer who still lives with his mom at the age of 24. He could never hold down a steady job since graduating, his girlfriend since high school dumped him for his best friend and he's constantly getting beat up by a group of local gang members. His dad left him and his mom when he became rich from the lottery and got a new family, one free of debt and burdens as he called it. His mom works 3 jobs to keep everything from falling apart, except for herself slowly. One day on his way home with the very first and new fully immersive VRMMORPG called Realm of Myths and Legends or RML for short, he died from a hit and run car accident. RML was advertised as the worlds first fully immersive VRMMORPG, allowing for players with skill sets in the real world, like sword training, martial arts, archery or reaction time, to benefit in the game itself! Though Jin died and at that moment a soul from another world crossed over into his body and inherited his memories. The man known as Izroth once hailed as the greatest cultivator in the seven realms, soul reincarnates into the modern world year 20xx in the body of Jin.