Madeline Rose "Maddy" Phillips is a 12-year old girl who loves to climb. Her father Tom has climbed Mount Everest so it runs in the family. Several years earlier, Tom fell more than 100 feet during a climb and because her parents Tom and Molly are afraid she might hurt herself, they have ordered Maddy not to climb. Tom had some internal injuries from that earlier fall which he didn't know about and now the injury has paralyzed him from the neck down. There is an experimental operation costing $250,000 which can save him. That is when Maddy first gets the idea to rob the bank.