- Monte Brewster learns that he has inherited $10 million from his late grandfather, but then learns that he must spend $2 million in less than a year and remain unmarried to inherit the rest of the money.
- Monte Brewster's inheritance of his Grandfather Brewster's $2 million provokes his Grandfather Ingraham to promise Monte $10 million if he can spend his inheritance in one year and remain unmarried. Monte does his best, but he seems to grow wealthier with each spendthrift scheme, and his friends, especially Peggy Gray, secretly save and invest the money they are supposed to help him spend. A disastrous yachting cruise to Peru finally does the trick. Monte is broke, but he has married Peggy, so neither grandfather is satisfied until the salvaged yacht brings Monte a large sum and Peggy's investment in a Peruvian silver mine proves lucrative.—Pamela Short
- Toddler Monte Brewster is in a high chair, wearing a baby bonnet and playing with two lumps of sugar, learning to roll them as if they were dice. Monte's two grandfathers argue as to how Monte should be raised. One is an aristocrat who believes Monte should not have to work; the other is a self-made man who believes Monte should work. Monte's mother decides she will bring him up her own way. As a result, when Monte is twenty-one, he is a clerk in a steamship office. Now the two grandfathers step in. One decides to give Monte a million dollars while the other offers him five million provided at the end of the year he spends the one million given him by the other grandfather. The conditions are that Monte must go completely broke, will not marry for five years, and that he tells no one of the arrangement. Monte does his best to get rid of the money, but he ends up making even more. He hires three men to help him spend the money, but they end investing it safely. The men hire Peggy Gray to work in Monte's office and manage his affairs so he won't lose all his money. Peggy buys some mines in Peru for Monte. Monte hires a pleasure ship to go to Peru with his friends, but the trip is interrupted when they rescue a ship in distress and are forced to turn back when their own ship experiences disaster. At the end of the year, Monte is finally broke, and marries Peggy. But the ship Monte rescued brings him two million in salvage, and the Peruvian mines bring him a bigger fortune.—scsu1975
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