Every week, a hundred million dollars in cash arrive at Miami International Airport, shipped by German banks to the Federal Reserve. A select group of trusted workers moves the bags through customs and loads them into armored cars.

Ruban Betancourt has always played by the rules. But when the bank takes his house and his restaurant business goes bust, he is driven over the edge. He and his wife deserve more than what life has handed them, and he's come up with a scheme to get a little payback. Ruban, with the help of an airport insider, his cokehead brother-in-law, Jeffrey, and two ex-cons, surprise the guards transferring the money to the armored cars and speed off with $7.4 million in the bed of a pickup truck.

Investigating the heist, FBI agent Andie Henning, newly transferred to Miami from Seattle, knows that the best way to catch the thieves is to follow the money. Jeffrey's drug addiction is as conspicuous as the Rolex watches he buys for dancers at the Gold Rush strip joint. And one of the ex-cons, Pinky Perez, makes no secret of his plan to own a swingers' club, which will give him carte blanche with his patrons' wives. Meanwhile, levelheaded Ruban is desperately trying to lie low and hold things together.

But Agent Henning isn't the only one on their trail, and in mob-meets-Miami fashion, these accidental thieves suddenly find themselves in way over their heads and sinking fast.