Tom Lowe designed and built his family’s dream home, working extra hours to pay off the adjustable-rate mortgage he took on the property, convinced he is making every sacrifice for the happiness of his wife and son. Until, shingling a roof in too-bright sunlight, he falls. In constant pain, addicted to painkillers at the cost of his relationships with his wife and son, Tom slowly comes to realize that he can never work again. If he is not a working man, who is he? He is not, he believes, the kind of person who lives in subsidized housing, though that is where he has ended up. He is not the kind of person who hatches a scheme to commit convenience-check fraud, together with neighbors he considers lowlifes, until he finds himself stealing his banker’s trash. Who is Tom Lowe, and who will he become?