Banker Rhetta McCarter's ongoing battles usually involve mortgage loans, federal lending regulations, threats of bulges on her butt, and her closet-drinking husband. But after one of her mortgage clients dies in a mysterious car accident, she stumbles upon evidence of a terrorist plot to wipe out the entire Midwest power grid. No one believes her - not the FBI, local law enforcement, nor her husband. Rhetta convinces her assistant, and loan officer, Woody, a former Marine, to help her stop the attack.
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When Rhetta McCarter's '79 Camaro is destroyed in a fire, her best friend and mechanic Victoria (Ricky) Lane, finds a replacement, a vintage Camaro in perfect condition, except for one major flaw: a body buried beneath it. Later, Ricky is arrested when a second victim is found murdered in the same barn. Rhetta is convinced not only that Ricky is innocent, but that the two murders are connected.
While driving home from work, banker Rhetta McCarter's quiet evening is shattered when she witnesses a fatal hit-and-run accident. Her world is soon turned upside-down when she learns the dead man, a total stranger has no identification, except her business card. Then Rhetta's long estranged and presumed dead father leaves her a voice mail telling her that he can prove the victim was murdered. He also tells her he and the victim served together in Vietnam.
Righteous Rewards Retreat has its own unique aura - one of death. After the second mysterious death at the retreat, Rhetta McCarter re-examines her decision to help the neighboring landowner - a Native American tribe that her foundation selected as its first project - build a museum. Avery Fielding, the enigmatic leader of the retreat is determined to own the tribe's land and warns Rhetta away.