Shannon, a single mother, is forced to chauffeur a wealthy eccentric around town on Christmas Eve while he gives away cash to complete strangers. When a reporter pursues the story, a new romance blossoms.

On Christmas Eve, divorced Shannon McManus-Johnson is having trouble making Christmas merry for her adolescent son Trevor McManus-Johnson because of their post-divorce tight financial situation. She works as a driver for a limousine service while working toward getting licensed as a CPA to make a better life for Trevor and herself. She is being forced to work on Christmas Eve, driving around wealthy businessman Fred Nickells. She is initially unaware that Fred, who has never met her, specifically requested her to be his driver due to a shared history about which Shannon is further unaware. On this day, Fred seems determined to make it a Merry Christmas for anyone he encounters by spreading his wealth freely to others. Into their midst comes television reporter Peter Archer, who hears about Fred's actions and wants to get an exclusive on Fred's story. Partly from Peter's intervention, Fred and thus Shannon's story comes to light in bits and pieces, and which may include Fred actually being crazy. Peter has to decide how much he will actually put on their air, especially if what he discovers is potentially explosive or sensational in nature, as in competing priorities he feels he needs that one big story to secure his promotion to the national bureau in Washington DC, he one of two in the running, while he slowly starts to fall for Shannon and doesn't want to hurt her by making any of the information public.—Huggo