Phillip Filmore is a naive 15-year-old who is obsessed with sex and develops a crush on Nicole Mallow, the new 30-something French housekeeper and sitter hired to look after him while his father is away on a "business" trip for the summer. However, Mr. Filmore's unscrupulous chauffeur, Lester Lewis, uses Phillip's crush on Nicole to pay her to seduce the teenager and then lures her into a conspiracy to fake her own death in order to drain Phillip's trust fund.