Cody Keaton truly believes that money doesn’t buy happiness. She believes this so strongly that when she hits big in the lottery she considers throwing the ticket away. Once she talks herself off that ledge she vows to use the money only for security, a decision that she honestly believes she can follow. She’s not going to be one of those people who blows it on houses and cars and loses it all. Her aunts, uncles, cousins and extended family don’t share her view–but most of them itch to share her money.

The local bank manager, Maddie Osborne, quickly sees that Cody’s going to be in a world of trouble if she doesn’t make some tough financial decisions. Given that Cody’s never been inside a bank, her learning curve is steep. Maddie finds herself drawn to protecting the unsophisticated woman from the people who are trying to separate Cody from her fortune–even her nearest and dearest.