Frank, whose real name is Cai Jinlai, can only be described as "a complete failure" throughout his 22 years of life. He daydreams every day that he is a magnate of a prestigious enterprise, hoping to be worth hundreds of millions but never being down-to-earth. Like the majority of young people these days, Frank is a credit card slave who cannot pay off his debt. Incredibly, in order to meet the bottomless demands of buying luxury brands and dating women for fun, he actually borrowed money from an underground loan shark. As expected, after living extravagantly and enjoying the high life for a few days, he fell into hell when the underground loan sharks began to demand repayment...