Connie Doyle is eighteen and pregnant when her boyfriend kicks her out. She accidentally ends up on a train where she meets Hugh Winterbourne and his wife Patricia who is pregnant. The train wrecks and she wakes up in the hospital to find out that it's been assumed that she's Patricia. Hugh's mother takes her in and she falls in love with Hugh's brother Bill. Just when she thinks everything is going her way, her ex-boyfriend shows up.

Three blue-collar acquaintances come across millions of dollars in lost cash and make a plan to keep their find from the authorities, but it isn't long before complications and mistrust weave their way into the plan.