Regi Allen, a New York manicurist who was reared in poverty, is determined to marry a wealthy man. She becomes the favorite manicurist of Savoy-Carleton Hotel client Allen Macklyn, a former aviator now confined to a wheelchair because of a flying accident. Regi soon becomes the only bright spot in Allen's life, but he never tells her that he has fallen in love with her. Meanwhile, Regi meets Theodore Drew III, the nutty scion of a wealthy family that lost all their money in the 1929 stockmarket crash. Ted and Regi go out on a date and he becomes drunk, and she does not learn until later that evening that he is engaged to marry Vivian Snowden, the daughter of the "pineapple king." Unable to awaken Ted from his drunken stupor, Regi allows him to sleep on her couch that night, but finds him still there when she returns home after work the next day. Ted has missed a boat sailing for Bermuda, on which his future father-in-law had bought him a berth to keep him out of the way until the wedding. Regi allows him to stay with her, because he has no money, and they slowly fall in love, despite the fact that both are determined to marry for money. To maintain his good favor with his fiancée, Ted calls Vivian, while Regi pretends to be a Bermuda telephone operator. She interrupts so many times that she and Ted have to hang up because they are laughing so hard. When Vivian tries to get the Bermuda operator back, she finds out that the call was from New York. Finally, Ted and Regi have their last night together and, although they both admit they are in love, Regi insists that unless Ted marries for money, he will hate her within six months. After having private detectives determine the identity of Ted's girl friend, Vivian books a room at the Savoy-Carleton Hotel, and asks to see Regi. Unimpressed with her, Vivian decides to take Ted back. He, however, finally realizes how much he loves Regi when he decides he would be willing to get a job and marry her, rather than live in luxury with Vivian. Vivian releases him from their engagement, and he rushes to Allen's apartment, where Regi has just been sobbing. Allen leaves to allow Regi and Ted to talk, even though he had bought an engagement ring and was planning to propose to Regi. He is happy for her, however, and she and Ted make up and decide to marry that day. On the top of a doubledecker bus, they toss a coin to see if they will first eat lunch or marry. Ted flippantly remarks that if the coin lands on edge, he will get a job. The coin falls off the bus entirely, so they stop the bus and run through traffic to retrieve it. The coin has landed on its edge, and they kiss, oblivious to the traffic jamming up behind them.