Marriage to a cruel dandy is not how Hetty Avebury envisions spending the rest of her life. Determined to raise funds to escape the match she earns money the only way she knows how—gambling. Her plans go astray and she finds herself onboard a man-of-war under the care of its stern physician. But Hetty soon realizes that the disapproving Doctor Withington is not at all the man she had first imagined.

If it wasn't bad enough declaring one of the pressed men as a woman, Robert has been tasked with the tiresome job of returning her safely back to her dysfunctional family. It was ten years ago when his father gambled away his inheritance, home, and any chance of marrying the woman he loved. So when Robert discovers Hetty gambling he takes drastic action to cure her of the habit.