Delivery-truck driver Eddie Popko, a dreamy wannabe-cowboy, always flirts with convenience-store clerk Rhonda Thompson, but his enthusiasm dims when he meets her hostile 5-year-old twins, Sarah and Julie. When they hear her wish for a holiday without her handfuls, they sneak off to Great-Grandma Mimi’s house; unable to find her or the right bus, they sneak into Eddie’s truck. He takes to babysitting during his round, but when he delivers them home, he’s knocked unconscious by dumb Harvey and mean Shirley, senior robbers who steal his truck, including the Christmas parcels and the twins—who have possession of the lottery tickets he bought in hopes of winning $1.3 million. He decides to help Rhonda and police detective Gremp with the search and even raises a ‘borrowed’ ransom.