John Plummer (Jason Lee) está cheio de problemas. Ele precisa pagar o primeiro ano da faculdade de sua sobrinha, Noreen (Tammy Blanchard), e ainda arranjar US$ 30 mil para cobrir a hipoteca da casa de sua namorada, Elaine (Leslie Mann). Sem outra alternativa e incentivado por Walter (Tom Green), seu melhor amigo, John decide então entrar para a vida de crimes, na intenção de conseguir o dinheiro necessário para cobrir suas despesas.
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