After Julie's parents were killed in an aircraft accident, she went to live with her aunt, who told her she could not afford to keep her. A few weeks later, she was sent from her home in wonderfully warm Florida, to Estes Park, Colorado, where it was cold and snowy. She was frightened when she found herself living in a rustic lodge with a stranger, an uncle she had never known existed. Julie found life on a horse ranch with Uncle Mark depressing until a beautiful black foal was born on Christmas Day. That event, discovering Jesus for the first time, and making new Christian friends, changed her life. After she received a sizable insurance settlement from the airlines, her aunt and uncle called and wanted her to move back to Florida to live with them. Julie had grown to love her uncle, and the life she now had with her beautiful horse in the Rocky Mountains. She did not want to go back. Julie had several unusual adventures, and figured out how to do wonderful things for her community with the money she had received.