Shirley Kaye is the vivacious daughter of Egerton Kaye, president of the great Union Central Railroad. The latter holds his position through his descent from "Pirate" Kaye, who founded the line, rather than through any executive ability of his own. Shirley is queen of the most exclusive Long Island set, and as clever as she is lovely to look at. From the West comes T.J. Magen, a rough but lion-hearted financier, who buys the house next door to the Kayes. Magen cares little for society, and the elaborate household which their wealth forces them to support is a constant worry to his simple and unassuming wife. But the daughter, "Daisy," yearns, with all her heart to break into the society and swim where Shirley Kaye reigns supreme.

Famous romance writer Hartly Poole retreats to the country for inspiration. There he meets ardent admirer Justina Chaffin, who is about to marry a fortune-hunting scoundrel. After Justina and Hartly fall in love, she discovers her fiancé's deception and flees to Hartly's cottage. Seeing her car parked in front, the sheriff accuses Hartly of abduction, but all is resolved when Justina and Hartly exchange vows.