When David Walsh (Matt Dillon) wakes up, his life is the picture of perfection: a beautiful fiancée, Sarah (Christina Applegate), and a dream job as a manager of a bank - even his best friend Jack (Steve Zahn), an incompetent con artist, can't bring him down. That is, until his entire life dissolves into chaos. Nothing can prepare him for the twists and turns his day takes when a bank robbery and millions of dollars become part of the day from hell.