Alan Sacket is about to be promoted to vice president of sales for Lamberts, a mega store chain. Despite his large sales increase, Sackett is fired as the stock market plummets in 2008. Alan Sackett's huge salary had supported his burgeoning debts. His debt swells with his income gone and payments due on his hotel suite, several vehicles, a six-figure boat, and mountain condo. He makes a deal with a notorious loan shark, Roscoe, to minimize his debt while he looks for work.
Alan flies to Barclay, Idaho, where he spent a summer at age 10, to sell his late aunt's general store. He meets Soonie, his 10-year-old friend from that summer. Soonie's situation and Alan's love for her and the small-town clash with opposing forces. His plan involves the town, Soonie, and Roscoe's demand for the entire loan.