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In Tucson Arizona in 1910, Emily Hefferen visits attorney Robert Hart to file for divorce from her husband Jim, citing his lack of support as grounds. When Hart expresses surprise, given the local hotel, laundry, and dairy bear the Heffernen name, suggesting the family is wealthy, Emily describes her family life for the past twenty years. On their wedding day, Emily discovers Jim, vice-president of the bank, has either donated or lost all his money on bad investments. In order to make ends meet, she takes in another newlywed couple as boarders in their home on the edge of town. As time passes and each of Jim's new moneymaking schemes fails, his wife takes in new boarders in order to make the monthly mortgage payment. Over the years Jim's time increasingly is consumed by his attention to various business ventures, including a hospital, laundry, restaurant, dairy, opera house, and hotel. Every time he starts a new business, Emily adds another room to the house to accommodate more boarders, in addition to their growing family. At daughter Rosemary's high school graduation ceremony, Jim learns the bank is foreclosing the hotel, and Emily resigns herself to being the family's primary breadwinner. Jim decides to mine a nearby arroyo for copper, and when he learns new roomer Rita Kirby's abandoned husband George owns a New Jersey construction company, he invites the man to come to Tucson in the hope he'll invest in his latest project. George arrives with his inebriated mother-in-law, ex-vaudeville entertainer Minnie Moon, but he refuses to discuss any business propositions until he sorts through his personal problems, although he gives Emily a $250 check, which is enough money to pay off the mortgage on their home. When the owner of the arroyo threatens to close the mine unless Jim purchases the property immediately, he secretly takes out a new mortgage, hoping to buy it back after George invests in the venture. However, water instead of copper is found on the land, and all dealings with George end, and banker Sam Howell begins to repossess the Hefferen's furniture. Having concluded telling Hart her story, Emily returns home and finds the furniture being returned, thanks to the kindness of Jim's friends, who paid off the loan. Jim, ashamed he has not provided for his family, prepares to leave. Rosemary reminds her mother that without Jim the town never would have had a hospital, laundry, restaurant, dairy, opera house, and hotel. Emily realizes her marriage is filled with the love required for a couple to overcome their trials and tribulations and urges Jim to stay
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