After the Scrooge like CEO of Reilly Enterprises (Flora Reilly) refuses to sign the Holiday bonus checks for all her employees, she is knocked unconscious by a falling Christmas tree. Later, she is visited by three ghosts who show how her miserable life will end if she does not change her evil ways.
On his way home on Christmas Day, Dick gets caught speeding and doesn't have enough money to get out of jail. When he calls Bernie to bail him out, he too gets a speeding ticket.
