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The impressionable J. Newport Bates, America's wealthiest bachelor who is worth two hundred million dollars, breaks his twelfth engagement after discovering that his intended is just another gold digger. Tired of having an identity only through his money, Jay joins the Navy anonymously, but his aunt, uncle and lawyers insist that he be chaperoned by one of the lawyers' nephews, Phil North, who joins the Navy with him. While on liberty at the Coral Club in Miami, Jay meets cigarette girl Teddy Collins, who was once was engaged to Phil. When Teddy learns what Jay is worth, she flirts with him, and he becomes infatuated with her. Phil thinks Jay's new girl is Sue Thomas, a singer at the club, who is a "nice" girl and a banker's daughter. When Jay brings Teddy home to meet his aunt and uncle, Phil is appalled to learn that he is going to marry the gold-digging Teddy. Later Phil confronts Teddy, and she explains that Phil's old band leader, Ray Albany, introduced her to Phil's wife and child, and she was so overwhelmed with guilt that she gave them the $1,200 she has saved for a honeymoon. Phil insists that he has never been married and was framed by Ray into staying with the band rather than get married, but Teddy remains bitter. Phil tells Jay he cannot marry his girl, and to test Teddy's intentions, Jay pretends to be deaf and hears Teddy tell Phil that she is only after Jay's money. Teddy then realizes Jay is faking his deafness and slyly restores his faith in her. Phil leaves and gets drunk. The newspapers then report that Ray, who had been abroad entertaining the troops, has been taken by the Nazis. The report includes a picture of Ray's wife and child, whom Teddy recognizes as the ones to whom she gave Phil's money. Teddy tells Jay she is in love with Phil and goes to find him. A distraught Jay then visits Sue, who also has had to fend off a string of greedy suitors and welcomes Jay's sincerity. Believing Jay is deaf, Sue tells her maid that she likes him, and he suddenly reveals that he can hear perfectly well, then throws a party for her at the Coral Club. Although angry at Jay for tricking her into confessing her love, Sue comes to the party. Phil arrives and insists that he kiss the bride, still believing that Teddy is going to marry Jay, but she assures him it is Phil whom she loves. After Phil carries Teddy off, Jay tries to lift Sue but falls and they kiss.