Fisherman Zhou Laohan rescues the heavily pregnant and severely injured spirit turtle Yinyue by the river. Yinyue promises to let her child come repay the kindness after seven years. Seven years later, Yinyue's son Jinshou arrives as agreed to help the Zhou family fish. Villagers led by Zhao Er covet the spirit turtle's wealth and gather to surround the river, but are enlightened by Jinshou and suddenly repent. Later, an evil servant comes to stir up trouble for money, and the Zhou family smashes the keepsake to summon Jinshou back to resolve the crisis. The story illustrates the moral that kind hearts receive blessings, and unearned wealth is inferior to living diligently day by day.