Only seven years have passed since Rose Sheffield was a carefree college student, though it seems like a lifetime ago. Her father's position at a major bank provided her with luxuries she took for granted. Now she works at menial jobs to support herself and her mother, and they live in what used to be their vacation home in Wildwood, New Jersey. Rose's days are pure drudgery, until she meets Charlie. As luck would have it, she just happens to have the perfect place to display his artwork.

Before the Great Stock market crash of 1929, Charlie Brannigan was hailed as an up and coming artist in Manhattan. But now he's back at his family home in Wildwood, delivering newspapers in the mornings and selling his paintings on the Boardwalk in the afternoons. He needs some luck in his life, and it seems every time a pretty lady named Rose appears, good things happen.