While helping out at Fox Creek Farm, three girls try to find a way to pay for a new winter blanket needed by a Percheron horse that is new to the stables.
The author remembers the summer when she was ten years old and staying with her father in Michigan where she took riding lessons and became best friends with a perfect horse.
In 1909, after spending several months back at the Lovell House Home for Orphaned and Abandoned Boys, eleven-year-old Gib returns to live on the Thornton ranch, where his natural way with horses helps to make him feel at home.