Charlie (Charlotte) Rossi's only inheritance from her estranged Uncle Mike is Run for the Roses, a stallion her deceased uncle claims is magic. Though what Charlie finds when she visits her horse is veterinarian Dr. Wade Phillips and his mesmerizingly blue eyes. Within weeks, Charlie purchases a ranch in Cave Creek, Arizona, quits her advertising job, sells the New York condo, and heads west in her little BMW convertible. Roses-now heartier and some how younger looking-anxiously awaits her arrival at Wade Phillips' veterinary stables. Meanwhile, Charlie's cousin, Tony Lambini-aka the short dude from New York and the sorriest Mafia member ever-plots to steal Roses. While tailing Cousin Charlie cross country, Tony gains a hitchhiker, Chief Flying Eagle, who demands Tony take him to his reservation in Phoenix.
In New Mexico, Charlie picks up Bluebird Smith, an eighteen-year-old Apache running away heading to California with her Great Dane, Tiny. Charlie's plans sound like adventure to Bluebird and she detours her life to Cave Creek and takes up residence with Charlie in her quaint-but-somewhat-cramped apartment above a barn. Once in Phoenix, Tony makes his move for Charlie's magical horse, with the "help" of the chief's nephew, Mad Coyote Joe. Charlie has more than Cousin Tony to worry about when she falls under the "spell" of cowboy and woman-chaser, Jeff Olsen. Jeff's spell includes dumping her friends and her responsibilities to Roses for dance halls and two-stepping. Charlie's fun-filled nights carry a price and her magical stallion begins to age once again. She is reminded that if she fails to choose the right man, Roses will die. And Doctor Wade Phillips decides he's had enough of Jeff Olsen.