Trouble visits Amberlon again. When Annie gets a call in the middle of the night, she learns that her friend is in the hospital after being run off the road. She arrives at the hospital to find a very frightened Frannie, who asks if she would retrieve a toolbox from her house and hide it until she comes to get it.

The problem is, Frannie ends up dead before Annie can give the toolbox back, and she discovers there's $300,000 in cash hidden in the box along with some casino chips. Annie wonders if her friend was killed because someone wanted the money. Rumor has it that there's a secret group of gamblers, and no one knows who the members are. Did one of the group kill Frannie to keep their secret?

Annie's worries don't end with the death of her friend. She's got an uncle she never knew existed who is determined to find her grandmother's treasure without Annie's help. Stacy is mourning the loss of her love by going after a married man. And Aunt Bridge is still trying to marry Annie off. This time, her choice is a man who might be a murderer.