18-year-old Anne Henderson rides a horse across her family's property. Upon a ridge, a woman in black screams at her to stop. Anne, petrified, races back to her home. Her parents, and her fiance Robert, are waiting for her there. She tells them of her frightful experience. Her parents and Robert, a respectable investment broker, calm her down and talk of the upcoming marriage. However, Anne is plainly uncomfortable with Robert, who is stiff and makes insensitive jokes, he also states that it could have been a warning. Her former fiance David Mitchell appears at the door. Forcing his way inside, David pleads with Anne to call off her wedding and be with him. Anne, caught between David and her father, can't bring herself to answer the question or even look David in the eye. Anne's father tells David to consider her silence the answer, and then forces him to leave at gunpoint.

25 years later, an older Anne is a miserable alcoholic and her mother reveals that the ranch will be repossessed, although a defeated Anne doesn't care. She disparages her father, whom we learn has died, for spoiling her and never allowing her to earn anything in life. Anne asks her mother if she remembered that night, 25 years ago, when she came home terrified after riding her horse. Anne now realizes that she was pursuing her younger self on horseback, trying to warn herself not to marry the wrong man. She blames her husband for bankrupting them by mismanaging the ranch.

However, her husband is not Robert but David. During her engagement party 25 years ago, Anne ran away and eloped with David. The older Anne repulses David's drunken affections and leaves the house on horseback. She approaches the ridge line and sees her younger self down below. She again pursues the young Anne with her warning, but still is unable to catch her.

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