After he bets and loses $100 on a horse who stumbles in a big race, Jimmy McGill vows to his wife Belle that he will never play the horses again. However, when Belle promises their daughter Jane that she may marry Ben Johnson as soon as he owns the car wash in which he works, Jimmy convinces Ben that he can win the necessary money by betting his savings on Leadpipe in the seventh. Seconds before the race, Jimmy receives a "hot tip" and, losing confidence in Leadpipe, bets all of Ben's savings on the other horse. Leadpipe wins, but Jimmy, too ashamed to tell Ben and Jane the truth, stalls them, stating that has to wait to collect from the track. Determined to win the money back, Jimmy borrows against, and then mortgages, his coffee shop in order to bet on a "sure" but untried horse named Honey Girl. After he is almost arrested for his double dealings, Jimmy succeeds in getting Honey Girl, of which he is now co-owner, in the race with the $20,000 purse. As Belle, who is unaware of Jimmy's activities and breach of oath but is secretly taking "hot tips" herself, searches frantically for her errant husband at the track, Honey Girl wins the race, saving Jimmy's honor and clinching Jane and Ben's wedding plans.