The main focus of this film is the serendipitous collision of two people from very different walks of life. He (Later) is a privileged white American man, a former banker who has lost everything and jumped bail. His driver will get him over the border but for a few days Later is stashed in the loft apartment of a free-spirited, free-loving young mixed race woman (Now). What we see is a three-day love affair as Now teaches Later how to embrace life and live in the present.
This could have been cheesy but fortunately everything comes across as emotionally and psychologically honest and believable, even if the initial idea of Now letting a stranger into her flat is a bit dubious. Although there's a fair amount of apparently real sex this isn't an erotic as such, and even though there's a political, polemic aspect - as Now seeks to bring Later out of his American 'bubble' and acknowledge the harm done by US foreign policy - this isn't a righteous 'message' movie. The characters are very likable and quite modest and their passion come across as very genuine.
In essence, it's another carpe diem story, and my only criticism is that the guy doesn't offer much in the way of counterpoint to the lady's philosophy; as an example, her live for today pov is all well and good, but he might have argued that it was precisely such a devil may care, caught in the moment kind of attitude which got him into trouble in the first place. Having said that, the point of the situation is that he is damaged by his experience and needs to be taught how to embrace life and look up instead of down.
Now & Later is a simple and effective indie movie that can be warmly recommended to anyone young and old enough to embrace the characters' time of life and fast amour.