Evan Stone is selling a horse - a horse that, along with any riders, carries plenty of emotional baggage for Stone. Wild Whisper is the horse he gave to the woman he loved when he proposed to her. Although they had sex on the bar counter immediately afterwards, their love was doomed and thus he pines over the horse he simply must sell to escape her memory.

Star E. Knight, an apparently bored and spoiled wealthy married woman, decides to buy the horse but must first engage in a pretty pointless rivalry with Stone. Inevitably they fall in love with one another, have sex and swap body fluids, cash and a horse. Meanwhile, Joel Lawrence plays Stone's happily married brother, whose pretty wife (played by Kylie Ireland) cheerfully fucks him in the dining room while Stone angsts over his horse.

The sex is great, the visuals terrific, the story pretty predictable - and extremely short character development. The transition between Stone and Ireland's mutual animosity to fucking is as unexplained as it is inevitable.