A plot where one non-rich character has a huge and very sudden increase in expendable income. This might be for any reason, such as winning a lottery, inheriting the fortune of a rich friend or a long lost family member, getting a better job, criminal enterprise, inventing the latest popular gadget, or even because something was delivered to the wrong address or a computer glitch suddenly put an extra few zeroes on their bank balance. Simultaneously, however, they are handed the Idiot Ball.
Almost invariably, Acquired Situational Narcissism makes the character start to act like an Upper Class Twit or Nouveau Riche, spend like there's no tomorrow, mindlessly buy "whatever it is that rich people like", blow off their former friends as has-beens, etc. The Intimidating Revenue Service and distant relatives never heard of before or since may also demand their share of the character's winnings. Within a few days, one of the following happens:
The character somehow manages to completely exhaust their fortune except for just enough to buy themselves back into the life they had before.
The bank, mafia, CIA, etc., realizes their mistake and sends a collection agent to confiscate the missing funds.
They get fired from their new job for gross negligence, making the company look bad, insulting the boss, etc.
They get in trouble for something, and to get out of jail time, a mob hit, etc., they must abandon their fortune.
At that point, the character is sincerely worried about their future and the people they left behind, perhaps for the first time in their life. They are now so low that a life in Perpetual Poverty is starting to look good to them, having insulted their old friends, quit their old job, etc., they are likely on the streets. Expect the character to be Easily Forgiven; their friends blow it off as completely unimportant, their old boss hasn't been able to find anyone willing to apply for their old job, the person they sold their old house to is moving out of the area and sells it back to them, and the collection agents go home. In shows where Status Quo Is God, the episode's end will have the character's lifestyle restored toexactlywhat it had been before. If not, there may be a surprise twist which leaves the character with something after all, perhaps something that couldn't be had for All That Glitters. If a character's life isn't restored at the end, they've gone from Riches To Rags.
Opposite of Broke Episode. Contrast Rags to Riches, where they get to keep the money. Compare Credit Card Plot, in which the character only thinks they've hit the jackpot.
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Anime And Manga
Kankichi Ryotsu of Kochikame had been making his fortunes multiple times throughout the series whether from inheritance, gambling or selling popular products. He always lose all his wealth from overspending, bad investments or from accidents. He's back to being a patrol officer again.
The Serenity comic book Better Days. Seriously, it actually happens to Malcolm Reynolds.
The Joker's Millions issue in Batman.
Has happened in Donald Duck comics multiple times, usually to Donald, sometimes involving his uncle's money (though obviously that isn't usually all lost, or it's lost back to Scrooge). At least once Scrooge even lets him "take care of his business" to have him lose as much money as possible when he realises he himself can't bear to carry out a bet to do so even though that would lead to greater gains.
José Carioca once met a gypsy who predicted he'd get a lot of money but he didn't take it seriously. Eventually, he met two men with what he recognized as a stolen jewel. Knowing the owner's offered a reward, he took it from the "bad guys" and went to the owner's manor, where he got a reward, becoming wealthy. Until the "bad guys" revealed themselves as cops who were about to deliver the jewel back. José had to give it back. The gypsy later told him she'd have told him his wealth wouldn't last long if he had let her finish reading his hand.
Chuck Billy's father once won the lottery. He donated a part to the church and then he was surrounded by people trying to mooch off, including some distant relatives. By the time Chuck and his mother found his Dad, the money that was left was, as Chuck's mother surmised, enough to buy new clothes for the three of them. Chuck's Dad then went back to the place where he got the prize and tried to borrow money for more tickets.
Films — Live-Action
The Jerk. Navin Johson invents a device to hold people's glasses in place and makes millions. He spends like an idiot, then loses everything when the customers sue him because the device made them go cross-eyed. Averted at the end when he moves back home and finds that his family has become wealthy by investing the money he sent them.
Dumb and Dumber: Lloyd has absolutely no financial savvy. Give him a briefcase full of money, and he has even less.
Blank Check: A 12-year-old boy gets and blows a million dollars.
Subverted in Brewster's Millions (in it's many iterations). Everyone thinks this is happening to Brewster, but he's deliberately trying to waste a fortune as part of a condition of his inheritance. It's implied that the condition is there to teach him how quickly a fortune can be lost.
In the movie It Could Happen To You, Rosie Perez divorces Nicholas Cage after he wins a portion of a lottery, after promising half of the winnings of the ticket to waitress Bridget Fonda. The divorce lawyers claim the winnings to be the wife's since "he bought the ticket for her," even though the numbers weren't exactly the one's she picked. After getting a hold of both shares, the wife, dreaming of even more money, marries another "millionaire" who turned out to be a con man who steals the money and she is forced to live with her mother in a small apartment and go back to work at her old job in a nail salon. Nick and Bridg end up much better off.
This happens, or has happened, in one character's backstory in Stephen King's The Stand. The pop musician Larry Underwood had one big hit and made lots of money out of it, but soon found that there wasn't that much after all and anyway he'd certainly spent it all partying like an idiot. After the world changes and has to be rebuilt, he never mentions to anyone that he was the guy who made that popular song.
The book, Money Can't Buy Love. Before winning the Maryland Lottery, the heroine is broke, hates her job, and her boyfriend is slow to commit. When she wins, she cheats on her now-fiance with a much younger man, alienates the only two friends she had and quits her job. She also spends foolishly, buying a new car, a mansion, a studio, and a brand-new truck for the younger man. At the end, she loses everything except her car and takes the little money she has left to move to a small town where no one will know her.
In Maskerade, the witch Nanny Ogg writes a book and while not wanting to be treated like , er, royalty, ensures she gets a $5,000 advance for her book from a formerly reluctant publisher who has not encountered irritated witches before. Temporarily, this is the most money she has ever had at one time, but her friend Granny Weatherwax soon ensures it is spent well and responsibly.
According to Long John, who got married and opened an inn, every other member of Flint's original crew did this. He gives advice to a new recruit on how not to.
In a two part episode of The Bob Newhart Show, Orphan Dentist Dr Jerry Robinson spends a new found fortune to advertise looking for the parents who put him up for adoption.
In The Twilight Zone episode "The Man in the Bottle", a genie grants a shop-keeper and his wife four wishes. One of those wishes is for a million dollars, but they end up with only $5 after giving large sums to their friends and paying taxes to the IRS. Despite the four wishes, the couple ends up in the exact same condition as they were at the beginning of the episode. The husband had wished to lead a country and not be in danger of being voted out of office, so the genie turned him into Adolf Hitler - about to commit suicide at the end of World War II. He used his last wish to undo this one, and he and his wife gained a new appreciation for their modest lifestyle.
In the "Lotto Fever" episode of Cold Case, the victim wins 8 million dollars in the Pennsylvania Lottery. He spends his money foolishly (huge house, race car, go-karts for himself and his friends, etc) but he was still the nice guy everyone remembers, and gave money to his friends and family. Before he was killed by his sister and her husband he had enough money left to move back into his old apartment and was working at his old job again, but not before giving his last $100,000 to the one friend who didn't ask him for anything after he won. She received the money in the Medley Exit.
One episode of Married With Children has Jefferson finding out that a doll treasured by his wife, Marcy, is worth millions, so he gets a different doll, switches it with the one Marcy owns, and then sells her doll for the fortune without her knowing, while getting Al to pretend to be him on the night he does this in order to prevent Marcy from becoming suspicious, on the promise that Al would get his share upon Jefferson's return. The problem? Jefferson loses the entire fortune at a casino on the way back, meaning Al had just spent a night with a neighbor he abhorred... FOR NOTHING.
While many of the drug deals arranged by the Trailer Park Boys are in fact successful and net a large amount of money, our heroes typically end up quickly spending it or losing it altogether. This means they have to come up with another drug deal in the next season.
Castle had the titular character recall how he acted out this trope when while he was still in college his first book became a bestseller and he became rich overnight. He quickly spent his new fortune on expensive luxuries. Luckily for him his next book also sold really well and he learned to be smarter with his money by then. In the present Castle is portrayed as being quite rich but so practical with money that it does not really show.
Another episode featured a murder victim who won the lottery and then seemed to spend the money on extravagant things as well as giving money away to homeless people. Castle figures out that this was due to guilt over stealing the winning lottery ticket
On Parks and Recreation Jean-Ralphio gets a lot of money which he uses to start Entertainment 720, an entertainment company. He hires Tom to help him and together they spend the money on extremely extravagant gimmicks. They hire two professional basketball player to play one on one all day in their office, give a free iPod to anyone who visits, pay random women $100,000 a year with free medical benefits to do nothing more than sit at desks and look pretty.
Firefly. After the crew knocks over the Ariel hospital, they've got a small fortune in medical supplies. They get to enjoy their wealth for about half an episode before they end up spending most of it to spring Wash from Niska's torture room. The show was cancelled before they managed to fence the Lassiter they acquired in "Trash".
In an episode of The Wonder Years, Paul Pfeiffer's dad takes a risky investment in an oceanfront deal which ends up paying off big, leaving Kevin's dad, who decided not to join in on the investment, jealous. It all goes south in the end when the oceanfront is lost underwater.
Prof. Oglevee on The Parkers is told that he has inherited $10M from his uncle. He moves out of his apartment and into an expensive house in a gated community, passes out hundred dollar bills to everyone on campus, hires bodyguards to keep him away from Nikki (they let her pass because she made them pies), buys custom-made clothes and shoes, as well as two very expensive cars plus another one for his new girlfriend Paris. He also makes a lot of other expensive purchases. And this is all BEFORE he received one cent from his uncle's estate. In the end, the estate is hit for back taxes, leaving the Professor with an inheritance of ONLY ten dollars. Of course he's broke and homeless, and Nikki is more than happy to help him out.
Season 2 of 2 Broke Girls lampshades the fact that even when you try to avert this trope, it can still play out straight. The girls get a large sum of money from their friend Sophie as a loan/investment and use it to finally start their cupcake store. They try to be very frugal with the money, don't spend any of it on personal items and even keep working as waitresses in the diner to pay for rent and food. However, they misjudged their market, their location is not ideal and they make a number of costly mistakes like not buying business insurance. Their business is losing money and they are only saved from bankruptcy because a developer offers to buy out their lease. They barely manage to pay off their debts and are back in the same place financially as they were in the beginning of the series.
An arc of Dilbert where Wally got a billion dollars in a lawsuit ended with him losing it all in Vegas.
This happens quite a lot in Popeye; whatever big fortune Wimpy, Olive Oyl or the other supporters make in the last adventure, they'll end up losing it due to some bad investment or whatever. Popeye, on the other hand, seems to like his Perpetual Poverty to a degree, and is such a big softy underneath that crusty exterior, that he will just give away his new wealth to the first needy people he sees.
About a billion Amos & Andy episodes involve Andy and/or Kingfish coming across money and then losing all of it by the end of the show.
In the first scene of Peter Schickele's a capella opera Go for Broke, John Q. Public wins the lottery. In the next several scenes, "Taxes," "Charity," "Kin," and "Company at the Bar," he has to part with his winnings. There is a happy ending in the final scene.
Le Bret(with the action of throwing a bag): How! The bag of crowns?...
Cyrano: Paternal bounty, in a day, thou'rt sped!
Le Bret: How live the next month?...
Cyrano: I have nothing left. Le Bret: Folly! Cyrano: But what a graceful action! Think!
Jared from Manly Guys Doing Manly Things gets an internship that gives him room and board, plus $500 a month... which he promptly spends on gummy bears and movie costume replicas. And a bubble trap for his Secret Base. And getting his stomach pumped after eating $500 worth of gummy bears at once.
I'm starting to think I might be bad at saving money.
In Futurama, Fry discovers he'd left some cash in a forgotten bank account, and the accrued interest has made him fabulously wealthy. When he buys a can of (extinct) anchovies Mom has her boys kidnap him to get his PIN number (1077) so she can steal all his money and be forced to sell the anchovies (which hold the secret to producing a very cheap, but potent, robot oil). She gives up when she learns he doesn't know this, instead intending to eat the anchovies.
Another had the whole nation getting a tax three hundred dollar refund due to Zapp defeating a spider planet and bringing back the riches. In the course of the episode sees all the cast wasting it in some form or another (Fry buying a hundred cups of coffee, Bender supplies to steal a rare cigar, Farnsworth a temporary stem cell procedure, Amy a tattoo, Hermes a walking pair of stilts to impress his son, etc.) save for Zoidberg who, for the first time in his life having more money then ever, tries to "live like a rich person". He gets shot down when his refund is revealed to be peanuts to the social elite. But a fire breaks out the at reception for the spider people's loot, costing Nixon, in addition to the tax break, millions. Zoidberg, rather, spends his on a small buffet which he invites everyone to join in on.
Another time from Zoidberg who lives rich shortly by using the Robot Mafia's stolen money only to lose it all in a Martian casino due to his poor money managing skills.
Happens to Ron in the Kim Possible episode "Ron Millionaire."
Interestingly, Ron never actually runs out of money. His entire fortune (from royalties piad for his creation of the popular food, the Naco) is stolen from him by Dr. Drakken because...Ron kept it all in his cargo pants pockets. Ironically, not even Drakken gets to use it, since he spends it all on a giant laser cannon...which reflects off the moon and back toward his lair, destroying the laser cannon completely.
Also, when Drakken and Shego kidnap Ron for his money, Drakken says the trope name almost word for word.
That episode of Rugrats where Chuckie's dad won ten million dollars in a sweepstakes, but lost it all when he made a bad investment (on Drew's advice).
This happens to The Jetsons. They lose it all, not so much because George was an idiot, but because his company's product goes under.
In another episode, George won the lottery. However, a collapse of the economy of Venus caused the value of the prize to decrease considerably before he had a chance to convert it into dollars. When George was told he won, the prize was worth 7.5 million dollars. The collapse caused its worth to be practically nada.
Ickis went through this on an episode of Aaahh!!! Real Monsters; the monsters' currency is toenails, so he struck it rich by stealing from an eccentric millionaire who saves his toenail clippings. Ickis gets greedy and is nearly caught by the human, who concludes it was all a dream... telling him to clean up his act. Meanwhile, Ickis ends up losing his stash of toenails on his way home.
In an episode of Code Monkeys, the staff borrow against their IPOs and become very wealthy. When they leave their jobs, Gameavision stock plummets, bringing most of the staff to ruin. Except Dave, who invested his new money wisely, but ends up using it to bail out his former co-workers.
In an episode of Family Guy, Lois' aunt dies, leaving her a beautiful mansion in Newport, RI, along with a bit of money to get her started. Everything seems to be going well, until in a misguided attempt to fit in, Peter bids a ridiculous sum of money on a vase. To be able to pay for it, he sold the mansion, which was valuable enough because it was discovered it used to be a Presidential whorehouse. Peter even kept an old photo of Abe Lincoln to seel so he could buy back his old house (which he had sold to be able to pay for the mansion's hired help) for double the money he got when he sold it.
The season 10 premiere plays this straight. The Griffins win $150M in the lottery. Peter being Peter, immediately quits his job, spends the money on outrageous items, treats his friends like crap, and becomes broke and homeless in a month's time. Everything is back to normal by the end of the episode.
For double irony, the family, sitting homeless on the street, decides their only chance is to try to win the lottery again. Cut to the exact same scene with Lois saying she can't believe they won and lost all that money TWICE.
Also, one wonders how anyone could be rendered destitute when many of those outrageous items were made of solid gold. The logical solution is to sell them for scrap gold.
In the Animaniacs episode "Temporary Insanity", Yakko Warner tricked Plotz into signing a check worth zillions. As soon as Yakko showed it to his siblings, Plotz ripped it out.
DuckTales: In one episode, a family that won the lottery moved into a mansion next to Scrooge. By the end of the episode, they spent so much money they had to move back to their old home.
Woody Woodpecker fell victim to this trope when he inherited some money Buzz Buzard decided to con out of him.
However, it was Buzz's turn to fall into the trope in The New Woody Woodpecker Show. Buzz and Woody were on a Scavenger Hunt where incomplete proverbs were the clues to the items they had to find. They were tied when there was only one item left to be found and the clue was "A (space) and his money are soon parted". Claiming to have no idea of how to solve that clue, Woody proposed that he and Buzz shared the money prize. As Buzz was enjoying the money, Woody introduced Buzz to the game's host as the fool to be soon parted from the money.
The Simpsons: Homer once bought a hair-growth product that actually worked and it eventually got him a promotion. Homer ignored Marge's advice about saving money for emergencies and it came back to bite him when Bart, while trying to use the product to grow himself a beard, accidentally spilled it out and Homer had no money to buy a new batch before becoming bald again and being demoted back to his old job.
In another episode, Bart pretended to be kidnapped to avoid punishment for sneaking out. When Lisa found out the truth, Homer told her they should keep it a secret because he had already sold the story for a fortune he had already lost. While how he lost is anyone's guess, since we were never given a clue, we can be sure it was out of foolishness, since it's Homer we're talking about.
One episode adverts this. Homer wins the lottery, and since Status Quo Is God, the money is quickly spent. However, Homer didn't blow it on foolishness, but instead he spent the money doing nice things for his family.
Early from Squidbillies fell into this trap the instant he had a legitimate lawsuit against Dan Haylen, letting himself be bought off with a settlement consisting of a few motorized chrome beer hats.
Done in The Oblongs when Milo, Biff and Chip find some money in a car they all brought (Milo loan some money). Not surprising they spend it like crazy despite threats from the Mayor and city staff since it was bribe money meant for them. Subverted though as Milo doesn't act any different with his friends and it actully make the boys popular. But they lose it when Milo tosses a sparkler onto the remaining cash pile and burn it all up.
An episode of Garfield and Friends has the titular fat cat winning the lottery after Jon tosses away his lottery ticket. The two and Odie get to live the high life until an interview reveals that Garfield was underage when he won, thus leading to the winnings being voided (despite Jon telling them that he was the one who bought the ticket) and the winner being declared as the interviewer himself.
Wish Kid: Nick used his magic glove to wish his family was wealthy, causing them to win the lottery. As anyone familiar to the series' premise can attest without watching the episode, it was just a matter of time before the wish wore off and they lost the money. Then again, in the rythm they were spending the money, they'd have squandered it all.
In one episode of Tale Spin, Baloo saves Shere Khan's life, and owes Baloo a debt. Baloo first asks for a few simple things, before being reminded that Shere Khan is one of the most wealthy and powerful men in the world. Baloo then buys back the plane he wanted, isolates his friends, becomes bored with his new wealth and gifts. Eventually Baloo ends up irritating Khan with endless lists of demands so much that Khan secretly arranges for Baloo to be kidnapped and the ransom be all the things that Baloo asked from Khan. By the end of the episode, Baloo's friends get him and the plane back, and so the status quo is upheld.
In South Park, Cartman inherits one million dollars and decides to buy an amusement park for himself calling it "Cartmanland", but needs to allow visitors to keep the park maintained and running. This frustrates him so much, he decides to sell the park to its previous owners. He gets his money back, but the IRS took most of his fortune from unpaid taxes and penalties and the rest (more than what he had) for a lawsuit settlement resulting in Kenny's death on one of the rides.
Batman The Animated Series, "Joker's Millions". Rival gangster King Barlowe inexplicably leaves his entire fortune to the Joker, who's so strapped for cash he doesn't even question it. Only after he's bribed his way to freedom, hired a new Harley and outright thrown money into the streets does he find a Video Will revealing the catch - less than a tenth of what he inherited is real money. Everything else is counterfeit, and he can either face the Intimidating Revenue Service or admit to the world he's been had.
All too common in real life. When poor or even middle-class people, after winning the lottery, gaining an inheritance or otherwise coming into a large sum of money, lose it all and are completely broke in a few years or even months. Unlike on TV, there is rarely, if ever, a Reset Button. It's especially common with people who never learned how to handle money, and who are so overwhelmed with the wealth that they feel like they can never spend it all. By the time they learn how wrong they are, they're often worse off than they were to start with.
This sort of thing is so common that they even gave the condition a name: "sudden wealth syndrome". Around 1% of winners go bankrupt within 5 years.
Michael Carroll, the self-proclaimed "king of the chavs", is a notorious example in Britain. A rubbish collector who won £9.7m in a lottery in 2002, he continued to have run-ins with the law, and spent his winnings like it grew on trees. By 2010, he had filed for bankruptcy and gone back to his old job, but has expressed no regrets about how he spent the lot.
The documentary Reversal of Fortune involved giving a homeless man $100,000 in cash and seeing what he did with it. It was gone within 6 months, and indeed he wound up in even worse financial shape then he was before.
Pirates were notorious for spending their fortune after a successful raid on booze and prostitutes in the manner of days. This can be justified as their lives were not quite safe. If you have got much money but could die soon, it can be understood that one considers spending it immediately as a better option than risking never being able to use it.
Even if a pirate was in a fiscally-responsible mood there were few things they could do with their plunder aside from blow it all at the nearest port. Few if any banks would deal with a known pirate (though they might deal with privateers) and many pirates operated in parts of the world where there were no banks to begin with. The best they could do with their gold was hide it somewhere, and only one pirate (Captain Kidd) was ever confirmed to have done that.
German actor Klaus Kinski typically starred in a successful movie, then spent all his salary on partying with friends, expensive clothing and 5-star hotels (and drugs), resulting in him becoming broke after a short time. After he had to live in a run-down single-room apartment for a few weeks, he often resorted to phoning his old friend Werner Herzog once again to ask if he had any more film roles available. Rinse and repeat.