Tony and Rose Monroe, deeply in debt, need a substantial influx of cash or they stand to lose their upper middle class lifestyle. Fortunately for them, Rose's best friend, Cam, a former fashion model turned venture capitalist with a talent for making money, is willing to bail them out. In return, Tony agrees (reluctantly) to have sex with Cam one night every month for twelve months. It doesn't take long for Tony, Rose and Cam to discover their pact comes with complications none of them anticipated.