Ben Stevens, a wealthy heir, is confronted by his mother who demands that he prove his worth without his money and status. She challenges him to find someone who will marry him without being influenced by his wealth. Ben ends up homeless and desperate, seeking someone who can fulfill this challenge.

While in this vulnerable state, he meets Mia, who helps him despite his initial reluctance. Through their interactions, Ben begins to understand the value of genuine human connection over material wealth. When he returns home with Mia, his mother initially rejects her but eventually recognizes Mia's importance in Ben's life.

Ben's mother ultimately acknowledges the value of love and the lessons Ben learned from his experiences. She signs a will that assures Ben will appreciate true love and cherish those who care about him. This experience teaches Ben that money is not the most important thing in life, and that true worth is found in relationships and genuine connections.