In the Caribbean, we meet party girl Jane. 12 years ago, Jane decided to retire with partner Michael and spend the rest of her days on holiday. This year's first holiday is a sumptuous Christmas cruise around the Caribbean islands. Mervyn and Heather, on the other hand, just want a quiet life, dreaming of ten precious days away in one of the most prestigious hotels in Jamaica. At the tour operator's offices, new girl Kelsey has swapped working in Thomas Cook for trying to create paradise on earth for her clients. Along with colleagues Natalie and Holly, the girls are on a research trip to North Island, one of the most expensive holiday destinations in the world. Welcome to the Millionaires' Holiday Club.