In Manhattan, Ashley Albright is a lucky woman and very successful in the agency where she works. The clumsy Jake Hardin is an unlucky aspirant manager of the rock band McFly, who is unsuccessfully trying to contact the entrepreneur Damon Phillips to promote his band. When Ashley meets Jake in a masquerade party, they kiss each other, swapping her fortune with his bad luck.
Manhattanite Ashley is known to many as the luckiest woman around. After a chance encounter with a down-and-out young man, however, she realizes that she’s swapped her fortune for his.