Although they're siblings, Sammy (LAURA LINNEY) and Terry Prescott (MARK RUFFALO) couldn't be more different. Sammy still lives in her late parents' home in Scottsville, New York, has a longtime job as a lending officer at the local bank, and has done a good job of raising her eight-year-old son, Rudy (RORY CULKIN), by herself.
Terry, on the other hand, is an aimless drifter who's traveled across the country getting in and out of trouble as well as prison. Despite his problems, Sammy still loves her brother who's come back home for a prolonged visit and hopes that he and Rudy might bond in a familial way.
Her attention, however, is split between him and Brian (MATTHEW BRODERICK), her new, perfectionist boss who's driving everyone at the bank crazy. Although she immediately butts heads with him and is considering a recent marriage proposal from her longtime boyfriend, Bob (JON TENNEY), Sammy finds herself oddly drawn to Brian. As she tries to sort out her romantic and professional lives, Sammy must also contend with Terry's inconsistent and unpredictable behavior and his influence on Rudy.