After complaining about her dull life, shopgirl Sally Manvers falls asleep on the roof of her apartment. Drenched from a downpour, Sally awakens and finds the roof entrance locked. She enters the apartment of society woman Mrs. Standish, and encounters Mrs. Standish's brother, Walter Arden Savage, opening the safe. Sally protects Savage from a burglar, and after learning that he and his sister plan to steal their jewels to collect insurance money, she agrees to keep quiet if they take her with them to Newport. Although Savage, Donald Lyttleton, and Trego, a Western millionaire, woo her, Sally, who becomes a secretary to Savage's wealthy aunt Mrs. Gosnold, tires of society life. After a detective arrives, Savage plots to have Sally, whom he thinks will squeal, kidnapped, but Mrs. Gosnold changes clothes with her and is abducted instead. Savage recovers her, and at a masquerade ball, the thieves are revealed. Sally returns to New York disgusted, but Trego, who earlier rescued her from Lyttleton, follows. Sally accepts his proposal and suggests that they live on Riverside Drive rather than Fifth Avenue or in Newport.