Jonathan Laurence has been displaced from his job by a corporate merger and is down to his last few thousand dollars, when a violent, chance encounter places him in the company of Curtis and Don Ed, two unsuccessful criminals. In a desperate measure to maintain his social status, Jonathan and his new associates plan a robbery which goes very badly wrong. In the aftermath Jonathan takes off for St. Martin with Don Ed's topless dancer girlfriend, Tiffany. When a valuable treasure is discovered missing, Jonathan and Tiffany are pursued in the Caribbean by a cast of dangerous and unsavory characters. This is a hilarious adventure with colorful but likable characters who can't seem to get anything right.