After selling her company for millions, Erin McCallister has more money than she'd ever imagined. But wealth feels like a suit that doesn't quite fit, especially after an ex began to covet the money more than Erin herself. When she leaves an unusually generous tip for a hardworking server, Erin has no idea that she's about to change both their lives forever.

Iris Patterson isn't looking for a handout. A history grad student juggling bills, deadlines, and a lifetime of scraping by, she's wary of Erin's charm-and even more wary of Erin's fortune. But when a critical grant falls through, Erin refuses to watch Iris's hard-won future evaporate.

As their lives tangle and boundaries blur, they're forced to confront what money makes possible-and what it can quietly destroy. With privilege on one side and hardship on the other, will love be enough? Or will the imbalance destroy what has only just begun...