Financially desperate business woman named Gina, on her way to apply for a loan, finds an empty wallet. In a hurry, she pockets it so she can get to her appointment with Ray, a slimy loan officer. Ray turns down her loan. But, Gina discovers that when she needs money the most, the exact amount appears in the wallet. As she bumbles and struggles to understand how the wallet works, she uses it to start her business. Ray gets wind of it and browbeats her into giving him the wallet. Gina’s business thrives, but Ray can’t get the wallet to work for his investment schemes. With creditors in hot pursuit, Ray loses the wallet. A passing skateboarder finds the empty wallet, which in next episode, will change his life.