Buster 'Bus' Green Loretta Young is a shopgirl who grew up under the shadow of loss—her mother died giving birth to her and her father abandoned them both—leaving her world to be built around work, responsibility, and reserve. At the department store where she pours herself into her duties, she catches the eye of Wallace 'Wally' Dennis [Norman Foster] whose charm and confidence quickly turn into a devoted courtship. Their whirlwind romance leads to marriage after a summer camp excursion that brings Bus together with her friend Georgine Hicks [Winnie Lightner] and Georgine’s husband, the bold and boisterous Finky 'Finkelwald' [Guy Kibbee]. The union is fueled by hope, but behind the glossy surface lies a harsher truth: Wally is a gambler, someone who can swing from flush to broke with alarming speed, and Bus learns this truth about him sooner than she would like.
As their life unfolds, Bus discovers that the dream of stability might be out of reach. Wally’s reckless pattern clashes with Bus’s practical spirit, and the shock of his deception hits hardest when he vows to reform only after Bus reveals she’s pregnant. He secures a job as a mechanic, a sign of effort, but trust remains fragile. The crisis erupts when Bus finds that he took $90 from their joint account, and she assumes he has bet it all on a horse. She tells him to leave, packing his bags herself, only to learn later that the money was spent on a lavish baby carriage meant as a surprise. He vanishes into the mingled anonymity of New Orleans with no forwarding address, while Bus, left to weather the storm, returns to her old life at the department store and tries to keep the growing storm hidden from coworkers and friends.
Back at home, Bus moves to a cheaper apartment and, driven by necessity, turns to gambling herself to keep a roof over her head. She bets on horses, particularly a longshot named Baby Mine, in a desperate bid to cover rent and rising medical costs as her due date approaches. The job she once held slips away as she takes long lunch breaks to chase winnings, and she is eventually fired. Georgine—now married to Finky—offers what help she can, but the couple cannot shoulder the burden of Bus’s looming hospital bills, especially when they face the grim prospect of paying around 500 dollars for a proper delivery. In a bid to catch up, Bus bets again on Baby Mine; the horse wins, but the victory comes with a sting: a former racetrack tout, Martie Happ [Noel Madison], pockets her winnings and confesses that he had placed his own bet on a different horse, siphoning off the reward she earned through risk and faith.
The drama escalates when Wally returns to the scene and a confrontation with Martie erupts into a full-blown brawl in the betting parlor. The tension crescendos as the police break up the fight and, hearing that Bus is about to give birth, arrange a path to a hospital where the officer’s own wife is delivering twins. In the quiet, hard-fought moment that follows, Bus brings a healthy daughter into the world, a beacon of fragile hope amid the turmoil. As Wally dares to crack a lighthearted joke about their next child, promising that it will be a boy, Bus fixes him with a wary, knowing look. He apologizes, trying to soften the moment with a casual claim that it was “just an expression,” a line that lingers as the couple stands at a crossroads between risk and renewal.
