Julia Deep works at the exchange desk of Timothy Black's department store by day, but her evenings are spent in the library of Terry Hartridge, a fellow resident in Mrs. Turner's boardinghouse. Terry has never seen Julia, since he is too busy squandering his inheritance on easy living and showgirl Lottie Driscoll, but the two meet when Terry, having learned that he has spent his last cent, enters the room with a gun. Julia prevents him from shooting himself and they become fast friends. Black gives Terry a job, and the young man adopts a renewed and more sober interest in life. Lottie later reappears but Terry convinces Julia that the actress means nothing to him, and the young couple pool their resources and settle down.