When the stock market crashes on October 29, 1929, it doesn't take long for Ruby Talcott to lose everything. Her father's shipping legacy slips through her fingers. Alone, destitute, she packs up her two best friends Eden and Merridie, and takes them to England for a new life.

Working in her family's warehouse of unclaimed cargo, she foils a plot to steal a map. But this isn't just any map...it's to a lost pirate treasure. Ruby takes the map for herself and convinces Eden and Merridie to go with her to find the priceless treasure.

She finds Captain Sinclair Dardon, a man also hit hard by the economic turn, to sail them towards adventure. But Ruby didn't count on her wild attraction to the handsome Captain. Nor did she expect he has his own bad guys hunting him.