Annie Sullivan knew one thing for certain. After being dumped in St. Louis by her late husband on his way West, she would never trust a man again. A woman could only rely on herself, love and marriage were fool's gold. The one thing Garrett Sullivan left her before he died was the real thing, gold bars. There were two problems. The first, she had to travel from St. Louis to San Francisco to retrieve them into a rat’s nest of gold seekers known as 49ers. The second was that the wagon train boss, Collin Mackinnon, with his good looks and kind ways, was making her forget that she never wanted another man again. Mack needed to put Annie Sullivan out of his mind, but that flaming red hair was burning a mark on his heart. She was one damn fine woman. The problem was he had his own past to work through and a carefully planned future that did not include a hot-tempered woman who abhorred marriage and had caught gold fever. He would not be drawn into the false lure of a gold hunt. As the two travel to San Francisco together, their feelings grow, and the real treasure becomes apparent. But can Annie set aside her hopes for gold and her distaste for marriage to find The Golden Rules of Love?