Zhou Jingming is reborn back to before he bought a car for his ex-girlfriend Xu Yue. In his previous life, he exhausted his savings and took out a loan to buy a car for Xu Yue, only to be deceived and ruthlessly abandoned by Xu Yue and Luo Kai, ending up with empty pockets and a broken heart. After his rebirth, he is outwardly submissive while secretly utilizing zero-down-payment, online loans, facial-recognition loans, and guarantee agreements to saddle Xu Yue and Luo Kai with huge debts for car and housing loans. When the scam is exposed, Xu Yue and Luo Kai start shifting the blame and tearing at each other. Han Zhiyuan steps in to blacklist their cars and houses, and the two thoroughly reap what they sow. Ultimately, Zhou Jingming ends up together with Shen Wen, who treats him sincerely, buys a car, gets engaged, reaps true love, and welcomes a brand-new life.