Anna, frustrated with her parents trying to set her up with wealthy suitors, devises a plan to bring a homeless man, Nicholas, to a family dinner as a form of rebellion. She offers Nicholas money to spend the night with her and pose as her date, but he declines, saying he doesn’t need her money. Despite her persistence, he refuses to be bought, which surprises and intrigues her.

Anna is determined to transform Nicholas from a "bum" into someone her parents will be shocked to meet. She takes him for a makeover to prepare for the dinner. During the process, Nicholas reveals that he knows people from her life, which makes Anna curious about his past.

At the dinner, Anna’s ex, a wealthy narcissist, threatens her by saying that if she rejects him, he’ll ruin her father’s company. But Nicholas steps in and takes Anna’s side. This is when it’s revealed that Nicholas isn’t homeless at all—he is actually a millionaire named Nicholas Flamel, who had chosen to live as a homeless man to escape a life where people only valued him for his wealth. He had become disillusioned with the people around him, feeling that they were all after his money.

Nicholas is moved by Anna’s rejection of wealth in favor of finding genuine love, which makes him realize that there are still people who value real emotions over money. In the end, Anna and Nicholas bond over their shared desire for a life where love matters more than wealth, and Nicholas acknowledges that he is finally starting to live a life driven by real feelings rather than financial expectations.

The story concludes with Anna realizing that true happiness comes from sincere love, not material wealth.