Poor man Chen Dagui saves a talking golden pangolin and receives a piece of golden scale as a gift, trading it for a bag full of money. His wife Liu Guihua is suddenly gripped by greed, forcing him to catch the beast and pluck its scales, while merchant Qian Wantong and Wang Sanlai also take the opportunity to set a trap to seize the wealth. Kind Chen Shouyi risks his safety to protect the beast, but the greedily seized gold turns into mud and ash, turning the dream of sudden wealth into heavy debt. After going through ruin and hardship, the couple finally repents, relying on their own hands to pay off debts and redeem their mistakes, regaining a down-to-earth life and understanding that what is gifted to you is called blessing, while what is snatched away is called debt.