Ruby is devastated when her parents are killed in a tragic car accident. With her younger brother Rhett, Ruby is sent to live with the legal guardians chosen by her parents. The Glasses live in an opulent Malibu mansion where Ruby and Rhett are promised all of the finest luxuries money can buy and a lavish new rich-kid lifestyle. Before long, however, Ruby begins to suspect that her new caretakers are not what they appear on the surface and that the couple's financial woes may force them to harm her or Rhett in order to cash in on their sizable life insurance policies.