Joey Coyle, an unemployed longshoreman, stumbled upon $1.2 million in unmarked, untraceable currancy that had fallen off an armored truck and wanted to keep it. He turns to his girlfriend, Monica, to help him launder the loot. but keeping a million-dollar secret is harder than it looks, especially when Joey begins upgrading his social standing with extravagant gestures -- such as picking up enormous bar tabs for his friends. As an investigating police detective closes in, and one by one Joey's friends, eager for a reward, turn against him, he quickly discovers that it takes more than found money to land on easy street, and there's no such thing as "money for nothing."