It's the spring of 2001, and Drew Hagel has spent the last decade watching things slip away--his first marriage, his real estate brokerage, his beloved daughter, Shannon, now a distant and mysterious high school senior. He is in danger of losing his place in the affluent suburb that his father once ruled. And then an unexpected friendship with Quint Manning, the manager of a secretive hedge fund, opens to Drew the prospect of vast, frictionless wealth. What Drew doesn't know is that Manning has problems of his own--his Midas touch is abandoning him; his restless wife, Carrie, is growing disillusioned with all that new money; and his hard-drinking son, Jamie, Shannon's classmate, is careering out of control.
As the fortunes of the two families become perilously interwoven, a terrible accident involving Shannon and Jamie gives Drew the leverage he needs to stay in the game. But his decision to speculate with human lives instead of money has unforeseen consequences and brings the novel to a devastating climax.
Human Capital is the highest achievement to date of a "powerful and perceptive" novelist (The Washington Post) and a realist for our times.