The film tells the story of how in a small-town photo studio, a young photographer's scheme to win big in the lottery sparks chaos, love, and comedic twists, as he navigates ambition, relationships, and the unpredictable fortunes of life.

The studio is struggling to meet its operational goals, prompting a resourceful young photographer, Vladimir Oreshnikov, to propose an idea: taking self-portraits to boost productivity.

He borrows the fund's entire 20 rubles, leaving a written note as a guarantee, and uses the money to buy a government bond through his fiancée, Olya, a cashier at the local savings bank.

Lidiya Sergeyevna, one of Oreshnikov's colleagues, faces domestic strife as her jealous husband grows frustrated with her late work hours, eventually leaving her and taking all their furniture.

Ivan later realizes Alevtina is his best option and visits her at work under the pretense of needing a photo, but their awkward interaction does not lead to romance.

As the New Year approaches, Oreshnikov and Lidiya Sergeyevna plot a comedic revenge against their colleagues, disguised as Santa Claus and a skier.