With Christmas around the corner, Ramona Tucker is desperate to get away. She has been lying to her family about her engagement to Malik, her (ex) fiancé. But breakups are fickle, and Ramona is convinced that she can make her pretend wedding real again. Two-thousand miles away, Chelsea Flint needs money to hold on to the beloved beachside cottage she shared with her late parents. The taxes are expensive, and her art isn’t paying the bills. The two women swap homes, just in time, thanks to some careful planning. Ramona’s Malibu dreams of sun and surf are interrupted as her first night brings an unwelcome stranger to her door, making her question who she can trust. Chelsea, desperate for Ramona to stay, hides what she knows—even if that means jeopardizing her budding connection with Racharming Carlos, whose dreams for his future could be the very key to unlock Chelsea from the weight of her past.