Sam and Molly are Lovers and Sam works in a bank with his close friend Carl, the three characters get on well together and seem to have a good friendship.

However, Carl is money laundering for drug dealers and uses his bank position to do this. Through a mix up, Carl's computer shuts out Carl's access code and so car cannot transfer the money into the account. Only Sam has the codes that will allow Carl to go ahead with the crooked deal. Under a threat from the drug dealers, Carl hires Willie Lopez to hold Sam up when he and Molly are returning from the theatre to steal the code, which he thinks is in Sam's wallet.However, Sam Fights back and in the struggle Sam is murdered.

Willie finds the code is not in Sam's wallet, Sam's soul is seen departing from his body but Sam does not go to heaven because he wants to stay and help Molly. Sam is a ghost.Nobody can see Sam except for a crook, Oda Mae Brown. She tricks people into thinking that she can hear the voices of dead people but actually she cannot. She hears the voice of Sam and gets scared.

Sam persuades her to help him out by finding Willie Lopez and looking after Molly. Sam finds Carl talking to Willie and hears them talking about the codes. Sam sends Oda Mae Brown around to stop Willie from breaking in to the apartment where Molly and Sam used to live.Oda Mae helps Sam to get the access codes and then goes to the bank and with draws all the money. She gives it to charity and then Sam goes to heaven.

The religious issues dealt with in this film are to do with murder and theft.They are both religious issues because the bible says quite clearly in that:"Thou shalt not kill""Thou shalt not steal"(Exodus 20)These rules come from the Ten Commandments and that the Bible also says that anyone who murders will,"Whoso sheddeth mans blood, by man shall his blood be shed"(Genesis 9)Carl and Willie are both murderers at the end of the film and they both loose their lives and are dragged off to hell by demons. So they have their blood shed by men and are denied to spend an eternity in heaven. The bible says,"Thieves and swindles shall not inherit eternal life."The film is aimed at a younger audience and it is really telling them that good behaviour takes you to heaven and bad behaviour takes you to hell.