Three young women are the central characters in this story. Callie and her husband are poor, but they are frugal, spending using God's principles, and they reserve a tenth for God's work. Eva's husband makes more than double what Callie's husband makes, but that doesn't keep them from sinking beneath a load of debt. Even worse, she feels that her husband thinks it's her fault - and she thinks it is, too. She's an inexperienced housekeeper and doesn't know where the money goes. Happy-go-lucky Jennie wants to marry a rich man, so that her married life can be filled with parties, gaiety and pretty things. Will Coleman is poor, and not a Christian, but he's SO gentlemanly and romantic.