A cartoon character with a real head looking stressed with floating dollar signs.

The ad opens with a cartoonish animated character with a real person's head, looking stressed and holding a phone, with dollar signs floating around him. The character then reacts with surprise and excitement as a text bubble appears. The scene transitions to the character floating on a unicorn pool float in water, surrounded by many other unicorn floats. This is followed by scenes of the character stacking cups of instant ramen to reach the moon, and then enjoying wine and cheese in Paris with a mime. The character is shown looking at his phone again, with text bubbles indicating 'Lower rates', 'Flexible terms', and 'Zero fees'. The final scenes show the character receiving a text from 'Future me' and then the Earnest logo and website.