Each believing the other to be a wealthy socialite, maidservant Kathleen O'Leary and con man Dylan Kennedy become completely smitten with each other at a social gathering on the eve of the Great Chicago Fire. Caught up in the danger of the fire and the intensity of their feelings, they get married. But when the truth about their social standing is discovered, everything changes. Now they must decide which is more important -- marrying for love, or money?