Phoebe's Money is a suspense novel about a young woman, Maddie Montgomery, who realizes the charming man her mother, Phoebe, has befriended is only after her money. Maddie finds herself risking her own life to reveal the truth about this man before he kills anyone who gets in the way of him and Phoebe's money.

Maddie and Phoebe meet the charming and mysterious Jack Stone at an expenses-paid weekend getaway. Completely flattered by Jack, Phoebe invites the man to a family gathering in their hometown of Quinn Dixie, Maryland. Not all are as impressed with Jack, especially Adam, a local detective who has recently returned from an undercover assignment. Adam's suspicion uncovers details about Jack that he immediately shares with Maddie. Maddie, who is somewhat attracted to Jack, disagrees.

Soon Jack's behavior starts to change and causes Maddie to think twice. Using information that Adam has uncovered about the mysterious Jack Stone, Maddie steps out of her comfort zone to piece together a puzzle that unveils startling information about Jack, the first having to do with his dead wife, Jennifer. With only the intention of finding the truth, Maddie's discoveries lead her to a startling conclusion that the charming Jack Stone may have devious intentions. Her determination and newfound bravery lands her in a face-to-face confrontation with not only Jack Stone, but another victim who is equally dangerous and desperate.