Financial issues at Pine Hollow have the Saddle Club scrambling to make money to help out. Veronica's father decides to help out by investing in the stables, however, the DiAngelo fortune is in trouble. He has hopes that a promising young racehorse will turn his luck around, however, both the horse and Mr. DiAngelo are defeated. Leaving the Saddle Club and friends with one last unexpected shot at saving Pine Hollow.
- Director: Annie Custo, Mark Defriest, Karinda Parkinson