Don and Bridget Cardigan's upper middle class lifestyle is threatened since Don, who has been out of work for a year, seems to have given up looking for a job, and housewife Bridget has been out of the workforce for most of her life. They are close to $300,000 in debt. Finding out this information, Bridget comes to the conclusion that she needs to get a job - any job - that at least provides them with some benefits. She reluctantly takes a job as a janitor at the Federal Reserve Bank of Kansas City. Almost immediately, Bridget is enthralled with all the old worn out money that is being shredded. She comes up with a plan to get her old lifestyle back by stealing much of that money, which she believes is an easy job since the locks used on the money carts are standard equipment and as she notices that no one ever checks the garbage as she goes about her work. Her plan needs the cooperation of one person who works the shredder and one person who pushes the carts of money...

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