Chloe Blake is a poor college student struggling to pay off her student loans. When her day job as a barista isn’t enough for her to live on, she works as a phone sex operator for some extra cash. She becomes fond of a certain caller whom she dubs Mommy, who is in the middle of divorcing her cheating wife. Chloe is absolutely smitten with this mystery woman. Everything goes smoothly—until one day, Mommy shows up at the coffee shop during Chloe’s shift. And even though Chloe isn’t one to mix work with pleasure, for Mommy, she’ll make an exception!