Bank assistant Johnny Dalton (Frank Sinatra) is too poor to marry his sweetheart Mildred Goodhue (Jane Russell) but one day he jumps into a fracas and saves 'Hot Horse Harris' a big shot bookie from a beating. When the bookie gives Johnny an extremely generous reward for saving his skin, Johnny's first thought is that he can now afford to wed his sweetheart... until he discovers that, by coincidence, the money he has been given just happens to match a mysterious shortage at his bank! Johnny asks his pal, Emile (Groucho Marx) an eccentric waiter to get him out of his mess... but will the comic antics of Emile leave Johnny in even deeper trouble?
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