Mr. Carey (Ralph Morgan), a captain in the United States Navy, dies during the Spanish–American War. His wife Margaret, daughters Nancy and Kitty and sons Gilbert and Peter are left behind. They are now on their own with only Capt. Carey's pension for income. The family moves into a series of ever-smaller rented houses while Mrs. Carey works in a textile mill. When she is injured, they lease a broken down mansion for a year at a nominal fee, and invest the captain's small life insurance payment to fix it up into a boarding house. Both daughters fall in love, Kitty with a local teacher and Nancy with Tom Hamilton (Frank Albertson), the son of the absentee owner.
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