November is on the right track to success, and she looks forward to living the lifestyle she always dreamed she'd have as an advertising agent. After suffering through countless roommates and ending up in and out of her parents' home while in school, her dream condo is within her grasp; but a few weeks before closing, she totals her car. She is sure bad luck has returned to her life, until she meets Tracy Stone, who offers her a solution. That offer leads to a whirlwind romance that takes November by surprise.