Brighid Garvey wasted half her life earning fortunes for others. Her daughter's birth changed her priorities. Aided by her grandmother's ghost, Brighid steals the night's winnings and slips into the slums of New York. She hides among the destitute until a midnight rescue provides an opportunity to escape.

Everett Grey needs a wet nurse for his infant daughter. Brighid needs the illusion of family. As the train races west, her heart yearns to make fantasy reality. Will love triumph over distrust before the ghosts from her past execute their deadly plan?