October, 1917 – Lena Garson, 19 years old, daughter of an old-fashioned banker and his wife, thinks of herself as a very well-brought up young lady leading a quiet life with a predicable future. When Clarence Muldoon, son of the richest man in town, begins to court her, Lena feels her life is now going in the direction her parents want for her.

Jack Manning, born on the wrong side of the tracks but determined to make a better life for himself and his widowed mother, sees Lena as part of that life. All he has to do is convince Lena that love and laughter are worth much more than all the money Clarence Muldoon has to offer.