Spoiled rich girl spends to much on her daddy's credit card and is forced to get a job to pay off the debt. While working she falls in love with a coworker who shows her the value of a dollar.

the love story is a nice offshoot/benefit of her working hard!

Another thought: Spice the story line up with not only a ticking clock (deadline) but a rival whom initially seems more worthy of the trust fund, but come to find out is a two-faced scoundrel.

fwiw.

I didn't think of that but will run with both of them and see where it takes me.