Olivia, a little girl, writes a letter to Santa asking him to reveal who her one true love will be. They go to sleep and wake up the next morning to find Santa has brought her a dollhouse. Stupid Santa. She thinks, "I'm sure Santa will give me a name soon—how long could it really take?"

Fast forward 25 years: Olivia is now a hotshot dealmaker who always rates her Uber driver with stars and hands money to the Santa ringing a bell on the street. She works as a designer for sets at Style Home Network. As she's preparing for an upcoming shoot, Olivia gets called into her boss's office. They're interested in having her on camera! She's pumped—this is what she's worked for. But her excitement is quickly extinguished when she finds out Chris Davis is directing the special. Chris directs a show called Model Home, which Olivia thinks is tacky.

She’s unsure how to feel, so she hops into her Uber and vents to the driver, Rodney, about how she thinks Chris is the worst possible choice. Rodney encourages her to give Chris a chance. Olivia asks, "How did you know his last name?" and then realizes, to her surprise, that Rodney isn’t really Rodney—it's Chris Davis in disguise.

Chris explains that the network bought Olivia's childhood home for the remodel, and it’s going to be the feature of the special. Olivia protests that the house needs too much work for a one-episode show—it should be a full season. But Chris doesn’t budge, even when he almost falls through the wall.

Olivia invites her sister Darcy over for some inspiration, and while they’re there, they hear a strange ringing in the walls. Olivia reaches inside a vent and finds a letter addressed to her. To her shock, it’s the letter she wrote to Santa all those years ago. She opens it, and a mysterious rhyme reveals her one true love's name: Nick. Olivia scoffs and throws the letter in the trash, but the next morning, it reappears in her possession. She throws it away again.

Then, Olivia has not one, but three rom-com-worthy meet-cutes. She has an encounter with a Nick A in a coffee shop after a coffee swap, spills her coffee on a Nick B, and narrowly avoids getting hit by a truck thanks to a Nick C, who rescues her. And the letter keeps showing up!

Olivia gets all three Nicks’ numbers and decides, "When life gives you three Nicks, you go on three dates." But will she even have time? She’s got a meeting with Chris at the house. The meeting doesn’t exactly go well.

Her date with Nick A is next. He’s rented out an entire ice rink for just the two of them. They have a great time—until she accidentally pops a bottle of champagne cork right into his eye. Their romantic evening ends with a trip to the hospital, but they laugh it off.

Back on set, Olivia and Chris’s relationship is still tense, but there's some undeniable flirty energy. Then, Olivia and Darcy visit a custom woodworking shop for potential show inspiration—and it turns out Nick B owns the shop. The pair head to a Christmas festival, where Olivia accidentally hits Nick B in the head with a snowball during a competition with Chris. He jokes, "Guess I'm a knock-out," but it’s hard to ignore the growing tension between Olivia and Nick B.

Olivia’s date with Nick C is a disaster. He’s a firefighter who’s posing for a calendar, and after a cookie incident that triggers his nut allergy, he ends up in the hospital. Womp womp.

Olivia is starting to freak out—what is she supposed to do? That’s when the letter in her purse changes again. This time, it says she must choose the right Nick by midnight on Christmas Eve. Darcy encourages her to date all three Nicks as much as possible before then.

Cue the dating montage.

While at her childhood home, Olivia finds Christmas decorations she thought were lost forever, bringing back fond memories. Chris stops by and suggests using some of her old sketches as inspiration for the remodel, which could save money on the set design. Olivia begins to warm to Chris, especially when he implements ideas from her sketches in the dining room.

On a date with Nick C (still everyone’s least favorite), Olivia is inspired to put a giant bow on the house. Oddly, Chris agrees with the idea. He shows her the dining room, where he’s incorporated her childhood designs.

Olivia starts to soften toward Chris. He’s actually pretty great, and they both want the same thing. But just as things start to look promising, Nick B arrives with a handmade reindeer. They talk about where to go on their date, but Olivia feels a disconnect with him.

Then, she shows up at Chris’s house to decorate his tree, but when he invites her in, she insists she’s got plans. They try hugging twice, but it doesn’t quite happen, so they settle for a fist bump. Olivia giggles and walks away.

On her date with Nick A, they’re under the mistletoe. He leans in for a kiss to take her mind off work, and sparks fly.

The next day at work, Olivia and Chris watch the final cut of their pre-recorded segment. To celebrate, Chris surprises her with a winter wonderland set up at the network's prop warehouse. There’s even a snow machine. It’s magical. They walk out of the set and give money to a British Santa ringing a bell. Just as they almost kiss, Olivia gets a text, snapping her back to reality.

As Christmas Eve approaches, Olivia is faced with the tough decision of choosing which Nick to pursue. The letter changes one final time, and the time has come to pick.

It’s Christmas Eve, and Olivia is preparing for the live broadcast. All three Nicks show up to surprise her. Just as she’s about to go live, the three of them realize they’re all dating the same woman and end up in a ridiculous inflatable candy cane fight in the background of the broadcast. Olivia runs out to stop them, but they demand she choose. She can’t pick, so all three leave, and Chris storms off angrily.

The special is a flop—or so Olivia thinks. Surprisingly, social media loves her and the Nicks, and the special goes viral. Olivia gets offered her own show!

Olivia realizes that Chris is her Christmas dream man, but she’s going to have to stop him before his train leaves at midnight. Her sister locks her keys in the car, so they take a one-horse open sleigh to the station.

Chris is at the train station when Olivia arrives, just as the train is about to leave. He’s talking to a British Santa in street clothes, and the two chat briefly. Chris goes to board the train but finds a letter instead of his ticket. The letter tells him getting on the train would be the biggest mistake of his life.

Olivia arrives just as the train departs. But Chris isn’t on the train. He’s holding the letter that told him to stay. They apologize for how things went and admit they’ve both fallen for each other. Just as they’re about to kiss, the intercom announces a Nick Davis is needed. Olivia asks, “Wait, your name is Nick?” Chris explains, “Yeah, but I’ve gone by my middle name since I was a kid.” The clock strikes midnight, snow begins to fall, and they kiss—a big one.

And just like that, Jack is alive. Olivia says, “This was worth waiting for,” and they kiss some more.