Kody Hall lives life on a roll of the dice, betting on everything except love. He's learned the hard way that women don't mix well with gambling men. But he's willing to wager everything he has on a chance to change lives at the orphanage he secretly founded. He's also hoping the woman he's been corresponding with might be interested in taking a chance on a mail-order husband. He'd like to settle down.

Susan Louden, the orphanage's teacher, is fiercely protective of her charges. When she spots Kody, the town's notorious gambler, lurking around the grounds, she chases him off. In her eyes, gambling and innocence don't mix. Why can't more men be like the one she's been writing to?

But a surprise revelation about Kody's true intentions, and his identity, throws Susan's world into disarray. Could she have been wrong about him? The more she learns, the more she questions her own place in the orphanage, especially as she starts to develop feelings for him. Can a woman dedicate her life to children while being associated with a gambler?

It's something Kody's willing to gamble on.