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Working as a manicurist at the Ritz, Helen Thurston, is in love with her wealthy patron, Jack Standring, but the young man's mother wants him to marry a rich debutante. Helen is informed that she has inherited her grandfather's millions, and she proceeds as quickly as possible to acquire expensive clothing and jewelry on credit. Jack, however, is not impressed. Soon Helen learns that she has inherited only $1,000, the remainder of the fortune having gone to her cousin Spindrift. The creditors hound her for their money, and at a grand ball at the Standring home, a detective threatens to arrest her. Touched by her poverty, Jack decides to elope with her. Finally Spindrift violates the conditions of the will, and Helen inherits the entire fortune.