1. Upgrade Your Bank
First of all, you need to upgrade your bank to level 1 by using a sugar lump.
You can look at the top left corner and see how many sugar lumps you have. Then, go to bottom right of stock market mini game and click the arrow.
2. Take A Loan
Go to the bank minigame and take one of the three available loans. They are marked in green and are just above bank stocks.
After that, go to the "Legacy" button, ascend and reincarnate right after.
The achievement will appear on your screen as soon as you reincarnate. Congratulations!
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