Young Damian Cunningham (ALEX ETEL) has quite the imagination. Having moved into a new house with his older brother Anthony (LEWIS McGIBBON) and their recently widowed father Ronnie (JAMES NESBITT), Damian has constructed a cardboard fort near some adjacent railroad tracks where he has conversations with the various Catholic saints that he knows by name and date. So when a large duffle bag containing a large sum of money literally drops from the sky, he thinks he's imagined that as well.
Anthony proves him wrong, but tells his younger brother that they shouldn't tell anyone about the 229,000 pounds they've just acquired, including their father, citing tax reasons. The two, of course, can't keep their mouths shut, although they have different designs on the cash. Anthony thinks they should invest it to best capitalize on the large amount of interest they could make, while Damian thinks the money is a gift from God that they should share with the poor.
That includes Dorothy (DAISY DONOVAN), a young woman who's come to their school trying to get the kids to donate their spare change -- which will soon become worthless when their nation's currency is converted to Euros -- for the poor in Africa. Damian gives a large amount, which obviously piques Dorothy and then Ronnie's interest in where he got the money.
When the boy tells a poor looking stranger (CHRISTOPHER FULFORD), however, that he has lots of that, the man -- who may have a connection to it and its sudden appearance in Damian's fort -- won't go away. Nervous about him, their father learning the truth and the pending currency retirement, the two brothers then set out to exchange and spend the money as fast as they can.