Holly Ceroni (Elizabeth Berkley) is a single mother who has been destitute when it comes to luck and love. She buys a lottery ticket, kissing it for good luck before she tosses it in the glove compartment of her car, hoping this Christmas things will get better. That night, Holly’s car is stolen, adding to her streak of misfortune. The next morning Holly discovers her lotto numbers are in fact the million dollar winner, but the ticket is in her missing car.
Mike Ronowski (Jason Gray-Stanford) is one of the men behind Holly’s missing vehicle; he and his friend had inadvertently taken Holly’s car the night before. When Mike’s greedy friend finds the winning lottery ticket he suggests that Mike romance Holly in order to get a cut of the money to help save his family business. As Mike gets to know Holly, he unexpectedly falls in love with her and realizes there are more important things in life than money. Will Holly’s losing streak continue, or is fate finally on her side this Christmas?