An Inconvenient Gamble — Michelle Ule

A reformed gambler grappling with his past as a Civil War prisoner meets the widow of a man who dared him into an impossible decision. Charles Moss has to confront how to make things right for a family he wronged with a poor bet. Jenny Duncan is forced to make hard choices when her father and husband both die of yellow fever and she must take over the horse ranch, the rearing of her two teenage brothers and a crochety mother-in-law. Then she discovers she is pregnant.

How will the two find their way to happiness as Charles fights the urge to gamble and Jenny struggles to keep the ranch running and trusts a man again?