Since Fixie Farr's dad passed away, she spends all her time picking up the slack from her siblings. When a handsome stranger in a coffee shop asks her to watch his laptop for a moment, she not only agrees, but ends up saving it from certain disaster. To thank Fixie, the computer’s owner, Sebastian, an investment manager, scribbles an IOU on a coffee sleeve and attaches his business card. But then Fixie’s childhood crush, Ryan, comes back into her life. His lack of a profession pushes all of Fixie’s buttons, and she’d love Seb to give Ryan a job. No sooner has Seb agreed than the tables are turned once more and a new series of IOUs between Seb and Fixie ensues. Soon Fixie, Ms. Fixit for everyone else, is torn between her family and the life she really wants.