When unemployed dockworker Joey Coyle finds $1.2 million that fell off of an armored car, he decides to do the logical thing take the money and run. After all, he says, finders keepers. He turns to his ex-girlfriend Monica, who works in an investment firm, for advice, before turning to the mob for help laundering the money. While Joey makes plans to leave the country, however, a detective is following his ever-warmer trail in order to recover the cash.