I am a sick man . . . I am a spiteful man. So opens the first part of "Notes from Underground," in which the narrator describes his character and psychological states. He is a low ranking public official, 40 years old, who lives alone in a small room. When he received a small inheritance, he immediately quit his job and now spends his time ruminating about who he is and what his life means.

This narrator does not simply accept the laws of nature. He dislikes "the fact that two and two makes four." He realizes that he cannot break down the wall of nature "by battering my head against it," but nonetheless "I am not going to resign myself to it simply because it is a stone wall and I am not strong enough." (p. 12) He is proud of never having begun or finished anything. (p. 17) In fact, "what man needs is simply independent choice, whatever that independence may cost and wherever it may lead." (p. 23)

The narrator is "underground" because he has chosen not to participate, not to accomplish, not to interact, not even to justify his non-participation in "ordinary" life. Yet, he is bored, and so he chooses to occupy himself by writing these notes.

The second part is less rumination and more narrative, as the protagonist describes some seminal events in his life. When he was a young clerk, he was a loner with no friends. One day he decided to visit Simonov, an old school acquaintance, who happened at the time to be planning a dinner with some friends to honor another friend, Zverkov, who had done well in the military. The protagonist awkwardly invited himself to this dinner, despite having no money to pay for it, and later, after being thoroughly obnoxious and insulting his hosts, he followed them to a brothel, where he encountered a whore named Liza and conned her into thinking that he cared for her.

When she appeared at his apartment a few days later, he angrily told her that the "fine sentiments" were all false: "I was laughing at you!" When Liza then ran away, the narrator became agitated and tried to follow, but quickly dropped the idea. "Would I not begin to hate her, perhaps even tomorrow, just because I had kissed her feet today? Would I give her happiness? Had I not recognized that day, for the hundredth time, what I was worth?" (p. 113) At this point he breaks off, saying that he chooses not to write any further notes form underground.