Bridget Cardigan (DIANE KEATON) is a suburban housewife with two grown kids who enjoys her comfortable lifestyle. Thus, she's shocked to learn that her husband, Don (TED DANSON), has lost his job and put their house up for sale due to them being $286,000 in debt. Needing a job to try to save their house, Bridget gets hired as a custodian at the Federal Reserve's Kansas City office.
There, she learns to her shock that they destroy money that's been taken out of circulation, all of which gives her a criminal idea -- since the money is going to disappear anyway, what's the harm in stealing it? The problem, of course, is that the place is crawling with guards such as Barry (ROGER R. CROSS) and Shaun (FINESSE MITCHELL), not to mention their eagle-eyed boss, Mr. Glover (STEPHEN ROOT), who sees, hears, and knows most everything about the place, and has no intention of anything going down on his watch.
Then there's the fact that Bridget obviously can't pull off such a heist by herself, so she sets out to get some inside help. She's obviously needs someone who can transport the cash, and thus taps flighty cart pusher Jackie Truman (KATIE HOLMES) who lives in a camper with her husband Bob (ADAM ROTHENBERG), a meatpacker. More important is single mom Nina Brewster (QUEEN LATIFAH) who's the one who actually does the money shredding.
Initially reluctant, she eventually agrees to the scheme when she realizes what good the money would do for her kids' education. From that point on, the three women decide how they're going to pull off their heist, and must then deal with the repercussions of doing so.