In 1981, the Trogi family moves into a new home. At eleven years-old, Ricardo doesn't understand the meaning of the word "mortgage" but fully feels its impact. He is the new kid in a class where the other students are from wealthier backgrounds, and he feels his honour is at stake. To avoid being exposed, Ricardo resorts to inventing a new family history, which he must vigilantly maintain to keep up appearances for his new friends. Finally, when he can no longer ignore the reality of his family's situation, young Ricardo must decide how to build on his true identity.