Foster mother Jennifer Kirtpatrick is in debt. To supplement the meager stipend she receives from the county for her three foster children, she takes in boarders. Jenny has a generous heart, a green thumb, and a firm belief in the goodness of people.

Financial expert David Sherwood agrees to help Jenny find a way out of debt. Consultant to some of the largest businesses in the country, he foresees no problem in straightening out the finances of one woman. David has a guarded heart, an intelligent mind, and a distrust of anyone who claims that love can conquer all.

Jenny senses that underneath David's don't-get-too-close attitude is a warm and giving heart. David needs love but is afraid to accept it; Jenny gives love as easily as she breathes. A letter from a nine-year-old boy, a broken down washing machine, and a love that cannot be denied conspire to bring Jenny and David together--forever.