As hard as she tries, Shelby just can’t stay out of trouble. This time, she and her friends Lindsey and Erin can’t resist buying a beautiful young pony that is going cheap at the horse auctions. The girls are sure that, between them, they have the skills to give the horse some light training and sell it on for at least three times the money. The problem is, none of the girls are allowed to have a new horse. They each tell their parents that the new horse (which they call ‘Hot Potato’) belongs to one of the other girls. Unfortunately ‘Hotty’ is not as easy to hide, or train, as they had imagined.