Human Capital begins at the end, as a cyclist is run off the road by a careening SUV the night before Christmas Eve. As details emerge of the events leading up to the accident, the lives of the well-to-do Bernaschi family, privileged and detached, will intertwine with the Ossolas, struggling to keep their comfortable middle-class life, in ways neither could have expected. Dino Ossola (Fabrizio Bentivoglio), in dire financial straits, anticipates the birth of twins with his second wife (Valeria Golino). Meanwhile, Dino's teenage daughter's relationship with hedge-fund manager Giovanni Bernaschi's playboy son complicates an already tricky social dance of status, money and ambition.