After his final course of IVF on the NHS is unsuccessful, lovable Tom is now able to afford the best private fertility care for him and his partner Natalie. He also has the money to find his estranged father and confront him for walking out on his mother when he was 10 years old. But sometimes the truth is a hard pill to swallow, and no amount of money can stop family and friends letting you down. Meanwhile, things are not quite right at Mandy's house and she is acting very strangely.

Having nearly given the whole £72 million away to a stranger in a bar, Becky is delighted to be reunited with her ticket and Luke. But now she is a millionaire and suddenly there are bigger fish to fry, like professional rugby player Matt Greco. As Becky goes from rags to riches can poor, sweet Luke really compete? And what will Becky do when she discovers that her father hasn't been working away after all?