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Jack Campbell (Cage) is a fast-lane lonely investment broker frustrated with his life as a single, loveless man. One snowy Christmas night, he stumbles into the middle of a grocery store holdup and manages to disarm the gunman.

The next morning, he wakes up lying next to his college girlfriend (Leoni) who he left to pursue his career. Horrified at the discovery that his former life no longer exists, he goes through the motions of his new suburban life, complete with mini van and two kids. Finding himself becoming oddly comfortable with his new situation, he must decide between his successful career and his true love.