The novel revolves around the life of Tittlebat Titmouse, a humble and somewhat vain shop clerk who unexpectedly inherits a fortune of ten thousand pounds a year. Thrust into high society, Titmouse must navigate the complexities and pitfalls of wealth, including unscrupulous lawyers, social climbers, and opportunists seeking to exploit his naivety. As he endures a series of legal battles and personal challenges, the story satirically explores themes of social mobility, justice, and the corrupting influence of money. The protagonist's journey is a cautionary tale that reflects the societal norms and legal intricacies of 19th-century England.

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