In this flimsy festive diversion, cash-strapped single mum Andrea Roth learns the value of forgiveness when she's hired to chauffeur an eccentric rich man (Howard Hesseman) around town on Christmas Eve. The syrupy seasonal sentiments come thick and fast, as the Santa-like millionaire literally spreads holiday cheer by giving away money to passers-by, while mysteriously trying to bond with his reluctant driver. But an underdeveloped narrative means this initially charming benevolence soon grows stale, leaving director Eleanor Lindo struggling to fill the remaining running time. Consequently, the film's later scenes feel contrived and simplistic, with neither its revelations nor its tugging of heartstrings having much emotional impact.

A girl loses her parents and husband and is left driving a limo trying to get by raising her young son. An interesting but strange rich man hires her limo on Christmas eve and has her drive him to various ice rinks where he gives out $100 bills to the people there. The news media catches on and starts following him.