Qian Renjie and Luo Shuping decide to sell their HDB flat and upgrade into a condominium. However, the upgrade comes with a hefty price, leaving the couple with no savings. Renjie’s sister, Qian Meiling, loves to purchase things on instalments. Her husband, Wu Guolun, is a spendthrift who is burdened with expensive car instalments. At work, Renjie is being oppressed by his superior and he resigns in a huff. Meanwhile, Shuping’s tactless nature gets the better of her and she soon finds herself under-performing at work. Guolun decides to pursue his dreams as a lyricist and quits his job. He spends a lot of effort on his songwriting but the response is underwhelming. To fulfil his dream, Guolun sells off his house for cash to start a music studio. Unfortunately, his partner fled with the money. Meiling hears that she has a relative who owns a bungalow, a senile old man named Qian Laoshi.