Grampa is deeply in debt and in danger of losing his house. Nick wants to help, but what can a nine-year-old boy do? Just months earlier, he had helped his grandfather get through a dark and difficult time after Gramma Audrey passed away, but tackling a huge debt is quite a different matter. Even selling his cherished coin collection wouldn't make a dent in the amount Grampa owes.
In desperation, Nick offers an earnest Christmas Eve prayer, which is triumphantly answered by a Christmas miracle, all revolving around God, Grampa, and The Christmas Coin.