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Annie Marnet is the guileless daughter of a poor, but socially ambitious, vain mother. When the son of a wealthy family has a disagreement with his mother regarding his inheritance and goes to work for a banker, he takes a room at the Marnet's boardinghouse. There he courts and marries Annie solely for the purpose of gaining an inheritance, which will come to him upon his marriage. While Annie's mother is delighted with the match, Annie is snubbed by her husband's mother and sister. In turn, Annie is upbraided by her own mother for not making a success of the marriage. In a plot to drive Annie away, her snobbish in-laws accuse her of stealing the mother's pearl necklace. Annie grows despondent. The banker, however, believing Annie innocent, extracts a confession from the son. Eventually, the son returns to his previous mistress, Lady Vere-de-Vere, and Annie finds happiness with the banker.