Summer vacation in their small Maine town does not look too promising until twelve-year-old Gina and four of her friends make a pact to become millionaires before school starts in September.
Horace, Morris, and Dolores are very good friends and have always done everything together; however, their friendship may be in trouble when Horace and Morris decide to join a no-girls allowed club and Dolores joins a no-boys club.
Nine-year-old Sarah is excited about summer vacation, but she faces unexpected crises when her best friend Paige becomes old enough to join a local girls' clique, and when she makes choices which affect her relationship with an elderly blind neighbor.