Holly Ceroni is a single mom trying to get back on her feet, but who is crushed to learn her winning lottery ticket is in the glove compartment of her recently stolen car. Mike Ronowski, the construction worker behind Holly's missing property, goes along with a master plan to befriend Holly and coerce her into giving him half of her winnings. Mike unexpectedly falls in love with Holly and learns there are more important things in life than quick money in time for the holidays.