Left broke and homeless by his wealthy parents' divorce, a young man moves in with an old friend and finally meets the woman of his dreams -- only to discover she's already dating his friend.

Calvin is a young novelist who achieved phenomenal success early in his career but is now struggling with his writing – as well as his romantic life. Finally, he makes a breakthrough and creates a character named Ruby who inspires him. When Calvin finds Ruby, in the flesh, sitting on his couch about a week later, he is completely flabbergasted that his words have turned into a living, breathing person.

Upon hearing a grim outlook from a psychic one morning, Zelda Pickford willingly sets in motion a series of humorous and harrowing events that unfold during the course of a New Year's Eve dinner party. A disastrous love triangle ensues in a story that raises the classic question—was it fate or was it folly?