Ray, a construction worker trapped in an unhappy marriage, pursues an affair with his neighbor, Carla. Carla's husband, Greg, is a mobster who keeps large sums of drug money in their home. With this in mind, Carla comes up with a plan: She and Ray will steal Greg's money, burn down her house, convince Greg the money was lost in the fire and then run away together. Carla's scheme, however, doesn't go off as planned.