Seventeen-year-old Shirley is a good student who works as a babysitter in order to make money for college. One night Michael, a father Shirley works for, confesses he's unhappy with married life. Shirley has a crush on Michael, and seizes this moment to kiss him. Michael is so happy he presents Shirley with a big tip, which gives her an idea. Shirley plans to make extra money by setting up her teenage friends with other unhappy fathers.

The lives of three lonely strangers intersect while commuting on New York's 1 and 9 subway lines.