Josie Meyers thinks she is living the American dream when she marries a nice, handsome man with a promising future. The dream quickly becomes a nightmare when Josie becomes a widow and must deal with the fallout of her husband’s decisions.She soon finds that she and her two small children are forced to live on the streets and in homeless shelters.

While the scenes surrounding Josie are dominated by Christmas decorations and carols, Josie finds herself struggling with the demands of caring for her two small children. She is forced to lean on the kindness and generosity of others. What she doesn't know is that the influence of one homeless man in particular is about to change the course of her life and lead her home to the One who waits for her. He becomes her unexpected Christmas hero.