Warren Schmidt is retiring from his position as an actuary with WoodmenLife, a life insurance company in Omaha, Nebraska. After a retirement dinner, Schmidt finds it hard to adjust to his new life, feeling useless. He sees a television advertisement about a foster program for African children, Plan USA, and decides to sponsor a child. He soon receives an information package with a photo of his foster child, a small Tanzanian boy named Ndugu Umbo, to whom he relates his life in a series of candid, rambling letters.