Charley's life revolves around his hardware store, which he has carefully maintained through his frugality and unwavering dedication during the difficult times of the Great Depression and Prohibition. His commitment has helped his family steer clear of poverty, but it has also created a distance between him and his loved ones. His wife, Cloris Leachman, and their children yearn for a better life, with the Chicago World's Fair being a symbol of hope and aspiration for them all. His sons, Willie and Rupert, played by Vincent Van Patten and Scott C. Kolden, manage to find work at a junkyard owned by Felix, a man connected to bootleggers, exposing the dangerous edges of their endeavors. Meanwhile, his teenage daughter, Leonora, portrayed by Kathleen Cody, makes a bold decision to elope with a young man named Ray, played by Kurt Russell. Ray’s character seems somewhat untrustworthy, adding tension and uncertainty to the family’s already strained situation.
A pivotal and mystical element of the story involves a shabby-looking angel named Roy Zerney, who appears solely to Charley (played by [Kurt Russell]) and offers him a stark warning: his time on earth is nearing its end. This divine visitor catalyzes Charley's spiritual awakening, prompting him to seek a more meaningful life. He begins to reform his relationship with his family, deciding to sell his store and strive to become a better husband and father in his final days. Roy’s presence—sometimes helpful, sometimes mischievous—serves as a symbol of divine intervention and the possibility of redemption.
Initially, Charley's efforts to change are misunderstood by his family, who find his sudden piety and drastic decisions bizarre. His decision to sell the shop puzzles his wife, Nettie, and his children, leaving them to believe that his behavior is somewhat insane, especially when he speaks to Roy, who remains invisible to everyone else. As his financial troubles mount—highlighted by the bank telling him it may close due to economic difficulties—Charley’s situation becomes increasingly urgent. He needs to lend money to his son-in-law, Ray, and his friend, Pete, played by [George Lindsey], as his business faces the threat of collapse.
Despite the mounting difficulties, Charley’s luck begins to change when his sons unwittingly become involved in illegal activities orchestrated by Felix, delivering bootleg liquor in a rickety Model T. The situation escalates when gangsters, responsible for the illegal alcohol operations, attempt to escape the city but end up kidnapping Charley’s sons and forcing them to drive away. Charley, demonstrating unexpected courage, chases the gangsters in a tense pursuit, dodging gunfire in an abandoned car. During this frantic chase, the police mistakenly assume he is the criminal. While in custody, Roy appears to Charley in jail, warning him that his day on Earth might be over, but Charley's focus remains on his family’s safety.
The climax intensifies when gangsters storm Charley’s home, aiming to take his wife, Nettie, hostage. Despite being shot at point-blank range during the confrontation, Charley miraculously remains unharmed. His bravery and quick action, along with the help of Ray and Pete, succeed in defeating the criminals and handing them over to the police. For his heroism, Charley receives a generous reward of $5,000 from the Chicago police department, a gesture of recognition for his courage. The town’s representatives, including Edward Andrews, come to honor him, offering a hotel stay and tickets to the upcoming World's Fair, fulfilling the family's deepest hopes.
As the story concludes, Charley’s final day seems destined for tragedy, but Roy intervenes at the last moment, revealing that the divine decision was to allow Charley to live. Roy’s physical act of pulling a bullet from the air symbolizes divine mercy, nullifying the death sentence Charley believed he faced. The angel’s intervention not only saves Charley but also offers him a renewed outlook on life. He says his heartfelt goodbyes to his wife and children, acknowledging the profound change within himself. This story intertwines elements of faith, redemption, and family, emphasizing that sometimes, even in the toughest moments, hope and divine grace can alter the course of one’s life.