diff --git a/src/classes/effects.py b/src/classes/effects.py
index 4b6d7d1..95ea95c 100644
--- a/src/classes/effects.py
+++ b/src/classes/effects.py
@@ -42,18 +42,6 @@ EXTRA_MAX_HP = "extra_max_hp"
   - 大量: 200+
 """
 
-EXTRA_MAX_MP = "extra_max_mp"
-"""
-额外最大灵力值
-类型: int
-结算: src/classes/avatar.py (__post_init__)
-说明: 增加角色的最大灵力值上限。
-数值参考: 
-  - 微量: 10~30
-  - 中量: 50~100 (练气期基础MP约100)
-  - 大量: 200+
-"""
-
 EXTRA_OBSERVATION_RADIUS = "extra_observation_radius"
 """
 额外观察半径
@@ -372,7 +360,6 @@ ALL_EFFECTS = [
     # 战斗相关
     "extra_battle_strength_points",      # int - 额外战斗力
     "extra_max_hp",                      # int - 额外最大生命值
-    "extra_max_mp",                      # int - 额外最大灵力值
     "extra_observation_radius",          # int - 额外观察半径
     "damage_reduction",                  # float - 伤害减免
     "realm_suppression_bonus",           # float - 境界压制加成
@@ -403,6 +390,7 @@ ALL_EFFECTS = [
 
     # 奇遇相关
     "extra_fortune_probability",         # float - 额外奇遇概率
+    "extra_misfortune_probability",      # float - 额外霉运概率
     
     # 兵器相关
     "extra_weapon_proficiency_gain",     # float - 额外兵器熟练度增长倍率
diff --git a/src/classes/fortune.py b/src/classes/fortune.py
index 32b3887..483930c 100644
--- a/src/classes/fortune.py
+++ b/src/classes/fortune.py
@@ -365,7 +365,7 @@ def _get_spirit_stone_amount(avatar: Avatar) -> int:
     return random.randint(*range_tuple)
 
 
-def _get_cultivation_exp(avatar: Avatar) -> int:
+def get_cultivation_exp_reward(avatar: Avatar) -> int:
     """根据境界返回修为经验（相当于一年修炼的收益）"""
     from src.classes.cultivation import Realm
     
@@ -523,13 +523,13 @@ async def try_trigger_fortune(avatar: Avatar) -> list[Event]:
         res_text = f"{avatar.name} 获得灵石 {amount} 枚"
 
     elif kind == FortuneKind.CULTIVATION:
-        exp_gain = _get_cultivation_exp(avatar)
+        exp_gain = get_cultivation_exp_reward(avatar)
         avatar.cultivation_progress.add_exp(exp_gain)
         res_text = f"{avatar.name} 修为增长 {exp_gain} 点"
 
     # 生成故事（异步，等待完成）
     event_text = f"遭遇奇遇（{theme}），{res_text}"
-    story_prompt = "请据此写100~150字小故事。"
+    story_prompt = "请据此写100~300字小故事。"
 
     month_at_finish = avatar.world.month_stamp
     base_event = Event(month_at_finish, event_text, related_avatars=related_avatars, is_major=True)
@@ -545,4 +545,5 @@ async def try_trigger_fortune(avatar: Avatar) -> list[Event]:
 
 __all__ = [
     "try_trigger_fortune",
+    "get_cultivation_exp_reward",
 ]
diff --git a/src/classes/misfortune.py b/src/classes/misfortune.py
new file mode 100644
index 0000000..f228436
--- /dev/null
+++ b/src/classes/misfortune.py
@@ -0,0 +1,152 @@
+from __future__ import annotations
+
+import random
+from enum import Enum
+from typing import Optional
+
+from src.utils.config import CONFIG
+from src.classes.avatar import Avatar
+from src.classes.event import Event
+from src.classes.story_teller import StoryTeller
+from src.classes.fortune import get_cultivation_exp_reward
+
+class MisfortuneKind(Enum):
+    """霉运类型"""
+    LOSS_SPIRIT_STONE = "loss_spirit_stone" # 破财
+    INJURY = "injury"                       # 受伤
+    CULTIVATION_BACKLASH = "backlash"       # 修为倒退
+
+
+MF_LOSS_SPIRIT_STONE_THEMES: list[str] = [
+    "遭遇扒手",
+    "误买假货",
+    "遭人勒索",
+    "洞府失窃",
+    "赌石惨败",
+    "投资失败",
+]
+
+MF_INJURY_THEMES: list[str] = [
+    "修炼岔气",
+    "出门摔伤",
+    "妖兽偷袭",
+    "仇家闷棍",
+    "误触机关",
+    "天降横祸",
+]
+
+MF_BACKLASH_THEMES: list[str] = [
+    "心魔滋生",
+    "灵气逆行",
+    "感悟错乱",
+    "急火攻心",
+]
+
+
+def _choose_misfortune_kind(avatar: Avatar) -> Optional[MisfortuneKind]:
+    """选择霉运类型"""
+    candidates = []
+    
+    # 破财：必须有灵石
+    if avatar.magic_stone.value > 0:
+        candidates.append(MisfortuneKind.LOSS_SPIRIT_STONE)
+    
+    # 受伤：任何人都可以受伤
+    candidates.append(MisfortuneKind.INJURY)
+    
+    # 修为倒退：只有修炼者（有修为且未满？）或者任何人都可以？
+    # 简单处理：任何人都可以走火入魔
+    candidates.append(MisfortuneKind.CULTIVATION_BACKLASH)
+    
+    if not candidates:
+        return None
+        
+    return random.choice(candidates)
+
+
+def _pick_misfortune_theme(kind: MisfortuneKind) -> str:
+    if kind == MisfortuneKind.LOSS_SPIRIT_STONE:
+        return random.choice(MF_LOSS_SPIRIT_STONE_THEMES)
+    elif kind == MisfortuneKind.INJURY:
+        return random.choice(MF_INJURY_THEMES)
+    elif kind == MisfortuneKind.CULTIVATION_BACKLASH:
+        return random.choice(MF_BACKLASH_THEMES)
+    return ""
+
+
+async def try_trigger_misfortune(avatar: Avatar) -> list[Event]:
+    """
+    触发霉运
+    规则：
+    - 概率：config + effects
+    - 类型：破财、受伤、修为倒退
+    - 破财：随机数，不超过总量
+    - 受伤：扣减HP，可能致死（由simulator结算）
+    - 修为倒退：扣减经验，不降级（经验值可为负？）-> 此处逻辑：扣减当前经验，最小为0
+    """
+    base_prob = float(getattr(CONFIG.game, "misfortune_probability", 0.0))
+    extra_prob = float(avatar.effects.get("extra_misfortune_probability", 0.0))
+    prob = base_prob + extra_prob
+    if prob <= 0.0:
+        return []
+    
+    if random.random() >= prob:
+        return []
+        
+    kind = _choose_misfortune_kind(avatar)
+    if kind is None:
+        return []
+        
+    theme = _pick_misfortune_theme(kind)
+    res_text: str = ""
+    
+    if kind == MisfortuneKind.LOSS_SPIRIT_STONE:
+        # 破财：随机数，不超过总量
+        max_loss = avatar.magic_stone.value
+        # 设定一个随机范围，例如 10~500，但受 max_loss 限制
+        # 或者完全随机
+        loss = random.randint(50, 300)
+        loss = min(loss, max_loss)
+        avatar.magic_stone.value -= loss
+        res_text = f"{avatar.name} 损失灵石 {loss} 枚"
+        
+    elif kind == MisfortuneKind.INJURY:
+        # 受伤：扣减HP
+        # 扣减量：最大生命值的 10%~80% + 固定值
+        max_hp = avatar.hp.max
+        ratio = random.uniform(0.1, 0.8)
+        damage = int(max_hp * ratio) + random.randint(10, 50)
+        
+        avatar.hp.cur -= damage
+        # 注意：这里可能扣成负数，simulator 会在 _phase_resolve_death 中处理
+        res_text = f"{avatar.name} 受到伤害 {damage} 点，剩余HP {avatar.hp.cur}/{max_hp}"
+        
+    elif kind == MisfortuneKind.CULTIVATION_BACKLASH:
+        # 修为倒退
+        # 扣减量：100~500
+        loss = random.randint(100, 500)
+        
+        # 确保不扣到负数（或者允许负数？通常经验不为负）
+        # 这里只扣减当前经验，不掉级
+        current_exp = avatar.cultivation_progress.exp
+        actual_loss = min(current_exp, loss)
+        avatar.cultivation_progress.exp -= actual_loss
+        
+        res_text = f"{avatar.name} 修为倒退"
+        
+    # 生成故事
+    event_text = f"遭遇霉运（{theme}），{res_text}"
+    story_prompt = "请据此写100~300字小故事。只描述倒霉事件本身，不要描述角色的心理活动或者愈挫愈勇。"
+    
+    month_at_finish = avatar.world.month_stamp
+    base_event = Event(month_at_finish, event_text, related_avatars=[avatar.id], is_major=True)
+    
+    story = await StoryTeller.tell_story(
+        event_text, res_text, avatar, 
+        prompt=story_prompt, 
+        allow_relation_changes=False
+    )
+    story_event = Event(month_at_finish, story, related_avatars=[avatar.id], is_story=True)
+    
+    return [base_event, story_event]
+
diff --git a/src/sim/simulator.py b/src/sim/simulator.py
index aac6343..dfada3b 100644
--- a/src/sim/simulator.py
+++ b/src/sim/simulator.py
@@ -13,6 +13,7 @@ from src.classes.name import get_random_name
 from src.utils.config import CONFIG
 from src.run.log import get_logger
 from src.classes.fortune import try_trigger_fortune
+from src.classes.misfortune import try_trigger_misfortune
 from src.classes.celestial_phenomenon import get_random_celestial_phenomenon
 from src.classes.long_term_objective import process_avatar_long_term_objective
 from src.classes.death import handle_death
@@ -203,9 +204,10 @@ class Simulator:
         for avatar in living_avatars:
             avatar.update_time_effect()
         
-        # 使用 gather 并行触发奇遇
-        tasks = [try_trigger_fortune(avatar) for avatar in living_avatars]
-        results = await asyncio.gather(*tasks)
+        # 使用 gather 并行触发奇遇和霉运
+        tasks_fortune = [try_trigger_fortune(avatar) for avatar in living_avatars]
+        tasks_misfortune = [try_trigger_misfortune(avatar) for avatar in living_avatars]
+        results = await asyncio.gather(*(tasks_fortune + tasks_misfortune))
         
         events.extend([e for res in results if res for e in res])
                 
diff --git a/static/config.yml b/static/config.yml
index 9de6201..979e74c 100644
--- a/static/config.yml
+++ b/static/config.yml
@@ -25,6 +25,7 @@ game:
   sect_num: 3 # init_npc_num大于sect_num时，会随机选择sect_num个宗门
   npc_birth_rate_per_month: 0
   fortune_probability: 0.005
+  misfortune_probability: 0.005
 
 df:
   ids_separator: ";"