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Rich Girl opens with four Japanese schoolgirls playing with a toy pirate ship and two Bratz dolls of Stefani and Eve, while the girls discuss what they would do if they were a "rich girl". The video features several sequences. Stefani is first shown below the deck of a pirate ship, dancing on a table and singing to the song. She is surrounded by pirates and wenches and is soon joined by Eve, wearing an eyepatch. Above deck Stefani, the Harajuku Girls, Eve, and more pirates dance on the deck and rigging. Stefani is also seen dancing with the Harajuku Girls in a treasure trove, often carrying a sword, and swinging from an anchor. When the girls dunk the toy ship in a fish tank, thegalleon engages in cannonfire, causing Stefani and the pirates to fall all over the ship, and Stefani and the Harajuku Girls are soon shipwrecked.