A young person climbs onto a train, finally on their own, headed to a new life in a small village populated by sentient humanoid animals. They arrive with 1,000 Bells and nothing else — no home, no plan, and no place to sleep. On the train, a cat named Rover notices their situation and strikes up a conversation. By the time they arrive, Rover has already contacted his old friend Tom Nook, who will help the new arrival get settled in the village. What happens after that depends on the player.