The woman across the street is not just a neighbor. She calls herself the Spirit of Future, and she comes with a cinnamon latte and a warning — a life with no love in it ends in the dark. Sixteen chapters of borrowed futures: a black-and-white honeymoon, an office party after hours, a casino heist, a cabin above the snow line, each one leaving a charm behind. Then she vanishes, and one last Christmas decides which future is real.