Lily Larimar has gotten fired from her job and now she can't pay her phone bill. She tries to get her stepbrother, Tony, to help her out. The bill is for Lily and her boyfriend, and Tony isn't cool with it. When Tony declines to help, he goes to take a nap. Lily waits until she thinks Tony is asleep, then sneaks into his room to help herself to his credit card. Tony catches her in the act, at which point Lily claims she'll do anything to get Tony's help. Tony doesn't want laundry or breakfast, but he does want his stepsis. He tells Lily that he's going to teach her a lesson.

After telling Lily that she's been looking really pretty lately, Tony suggests they can fuck. Lily tries to decline, but Tony is insistent that that's all she can do for him to get her phone bill paid. She starts working off her tab by opening that sassy mouth and gobbling the D. Sucking, stroking, and even giving those balls some attention, Lily gets Tony all revved up. Her next task is to get onto the bed and pull those shorts and thong down so her bro can admire that firm ass and tight little pussy. Tony just can't wait to fuck Lily right.

Turning Lily onto her back, Tony slams into that tiny twat. It turns out that despite her hesitation Lily likes having her stepbrother's dick buried inside her. She climbs on top of Tony to ride him like a petite cowgirl. Then she turns around so he can enjoy the way her ass jiggles as she keeps on going. When Lily gets on her hands and knees for a doggy style fuck, Tony's fuck stick gets her squealing with delight. She finishes their romp by sucking Tony's dick again until he fills her mouth with a big shot of cum that dribbles down her face. Since Lily was such a good lay, Tony agrees to pay her phone bill.