Eleven years after losing the love of her life, 68-year-old widow Kate Kleinert receives a friend request online from Tony, a handsome surgeon working in Iraq for the United Nations. After accepting his request, she gets caught up in a whirlwind romance, and they quickly fall in love. A few months later, Tony asks to borrow money, initially for help with his daughter's expenses. She sends him money via gift cards and continues to do so whenever he asks, even though his attempts to pay her back by wire transfers fail. After doling out $39,000, Kate anxiously waits by the phone, excited to finally meet her now fiancé in person, only to find that Tony has run into legal trouble at the airport.