Kate is seemingly born with bad luck. Her sibling dies at a young age, and her parents are bankrupt. They end up getting divorced when Kate is four. With both parents unable financially and emotionally to support her, Kate ends up missing in the Grand Central Terminal in New York City. Soon after, she meets Max in a bakery.
Max finds Kate just as he wins the New York lottery. He moves Kate to Los Angeles, where she meets Julia. Julia becomes the mother Kate never had, but she still sometimes thinks of her parents in New York. Kate's once unfortunate life becomes one of adventure when she meets Jason at the Taj Mahal in India.
When Julia dies, though, Kate feels the pullback to New York, where she now seeks her birth parents and some kind of reconciliation. However, matters of the heart are never simple, as Kate's challenges have only just begun.