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The movie kicks off with Read Along Michelle. She runs a YouTube channel where she reads books. She’s a big dreamer and definitely a glass-half-full type of person. Her sister, Keri, is struggling right now and is going to lose her house come February. Michelle is looking for ideas and gets inspired when she comes across the story of a kid who traded a rubber band for a house over the course of two years. She shares it with her sister, and Keri’s like, “I don’t have two years.” Michelle is like, “I can do it by Christmas!” Keri’s like, “Knock yourself out. Good luck out there.”

Michelle decides to start with a stocking instead of a rubber band. She posts about it online, signing it as Trading Up Christmas.

A struggling journalist named Dan finds out about Trading Up Christmas and wants to write an article about it. So he reaches out, but Michelle says she’s not interested in free press. Who would be? Not us, that’s for sure.

So, Dan decides to trick her into meeting by contacting her about a trade, which she accepts. He pitches the article one more time. But she ain’t having it. Until she is.

They begin to work together to trade up. Dan becomes very invested. They trade a sweater for an eggnog-tasting certificate, eggnog for a wreath, wreath for a crazy animatronic Santa, and then the big one… Santa for a snowmobile! Snowmobile for a trip to Hawaii. Things are going great. And the sparks are flying between Michelle and Dan.

Then they get the BIG trade – the trip for an RV. And you can trade an RV for a house.

Dan has a brother, Jack, who is a very successful real estate agent, and he finds a house that may be up for trade.

But things start to go wrong. The house falls through, and then Dan’s editor decides to publish names and pictures of Michelle and her sister, even though Dan promised they’d stay anonymous.

Dan and his brother find another house, and they make the trade happen, thanks to their dad also getting in on the action and trading his new sailboat.

They surprise Michelle with the house, and then Dan tells her how he feels. They kisssss.