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Danny Lupo, manager of the Sun Gym in 1990s Miami, decides that there is only one way to achieve his version of the American dream: extortion. To achieve his goal, he recruits musclemen Paul and Adrian as accomplices. After several failed attempts, they abduct rich businessman Victor Kershaw and convince him to sign over all his assets to them. But when Kershaw makes it out alive, authorities are reluctant to believe his story.
Workaholic Howard Langston wants to make things up to his son, Jamie , and wife, Liz. He promises to get Jamie the hottest toy of the season, Turbo-Man—even though it's Christmas Eve and the toy is practically sold out. As Langston hunts down the elusive gift, he runs into mailman Myron, another father on the same quest. With the clock winding down, Langston's moral code is tested as he starts to learn the real meaning of Christmas.