Navin Johnson heads to Los Angeles to attend the wedding of his pen pal, Marie. On the way, he runs across a gang of hobos whose leader, Diesel, takes him to Las Vegas after learning of his skills at poker.

When Michael McCann is thrown over by the woman he loves, he becomes something of a misanthrope and a miser, spending all of his spare money on collectible gold coins. Living in the same town is an affluent family with two sons: John and Tanny. Tanny's a wild boy, whom John cannot control, and one night he breaks into McCann's house, and steals the gold and disappears, which nearly confirms McCann's distrust of mankind. But then, a mysterious young woman dies in the snow outside McCann's house, and her small daughter makes her way to McCann's house and into McCann's life and heart.