While celebrating her share of the Millionaire, Montana lottery win, normally conservative Gwen Tanner goes wild and ends up in bed with handsome Eli Garrett. She never got his address and is happy enough that she's pregnant with twins as a result of that one night, but when Eli walks back into her life seven months later, he sets off all of her buttons -- and all of Gwen's alarms.

The town of Millionaire, Montana has been overrun with fortune hunters since their lucky lottery win. Is it possible that Eli is another fortune hunter? The evidence mounts suspiciously against him, whatever his words about wanting to move in and become a part of Gwen's life and the life of their children.