Joe Brewer has been clawing his way out of his family's debt for years. His horses are good, his reputation is solid, and all he needs is a loan. He doesn't need complications. He especially doesn't need to be distracted by Rebecca Stevenson — polished, elegant, clearly out of his league — who works at the bank holding his future in her hands. Rebecca came to Aspen Valley to heal a leg injury and outrun the worst year of her life. She didn't come to fall for a man who trains horses and smells like the outdoors. But there's something about Joe she can't quite dismiss. A story about two people who think they know exactly what they're worth — and are both wrong.