Dave Walsh is a bank employee whose day begins badly when he gets fired from his dream job and dumped by his fiancée Sara Goodwin the day after their engagement party was crashed by his best friend, Jack. Jack tries to console him by telling him that it's for the best, that Dave was headed down the wrong path. In a further effort to console him, Jack arranges for a hooker named Whisper to show up at his apartment, but instead she steals his car. The next day, Dave goes back to the bank with a gun tucked into in his waistband. He surreptitiously makes his way into his former boss's office, where he pulls out the gun and threatens to end his boss's life. Though intimidated, the boss stands up to Dave, and Dave, deciding he does not want blood on his hands after all, pistol-whips him instead. When Dave emerges from his boss's office, he finds the bank being robbed. A sequence shows him killing the robbers single-handedly, but this is then shown to have been a daydream. When one of the robbers seizes his co-worker Wendy, he shoots the robber and saves her, but he is shot, tackled, and forced into the getaway vehicle, whereupon the robbers make their escape. A montage shows various people's reactions to the incident, including that of Dave's ex-fiancée Sara, and then a burning van. A reporter announces that dental records have shown that the body found in the van was Dave's. A complex series of plot twists follows. It turns out that the robbery had actually been part of plan hatched two years ago, by Dave and his friends Jack, Wendy, and Eric, to rob the bank and fake Dave's death, erasing his identity so that he would not be caught, and leaving him and his friends filthy rich. Eric, who is Sara's dentist, is revealed to have driven the getaway vehicle and falsified the dental records of the corpse in the van. Dave, Wendy, and Jack meet up in a motel room, prepared to divide their loot and part ways. When Wendy leaves the room, however, Dave kills Jack. Wendy returns and kills Dave. She grabs the money and runs off to pick up Sara, with whom it turns out she's involved in a romantic relationship. After the credits, Sara and Wendy's car is shown being hit by a bus.
