When unemployed dockworker Joey Coyle discovers $1.2 million on the ground from an armored car, he decides to grab the money and flee. After all, "finders keepers," he claims. Before turning to the mob for help laundering the money, he seeks advise from his ex-girlfriend Monica, who works in an investing firm. While Joey makes preparations to flee the nation, a detective is hot on his tail in order to reclaim the money.