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Desmond (Andrew Keegan) is a struggling artist who slaves away as a bank teller to earn a living. His unemployed roommate Gideon (John Krasinski) has concocted a plan to make both their dreams come true robbing the bank in which Desmond works. Along with their partner in crime, Rupert (Dean Edwards), they plan a dramatic daytime robbery that involves guns, ski masks, bowling bags, and expensive suits. His girlfriend Julie (Lacey Chabert) is loving and supportive, but when her father (William Sadler) offers Desmond a job in his corporate office and a chance to get serious, he must choose between selling out and cashing in. Whatever he decides one thing is clear: nobody ever said your dreams would come true but sometimes they are all you've got.