Desperate to pay off his tidal wave of gambling debt and then some, a dirty NYC transit cop concocts a plan to rob the "money train" that transports the Transit Authority's daily earnings on New Year's Eve. The only problem is, Charlie (Woody Harrelson) will have to either convince his responsible, goody-two-shoes brother — who's also a transit cop — to cooperate, or outsmart him altogether in order to pull off the heist. Then, there's the beautiful Officer Grace Santiago (Jennifer Lopez), who has both of these cops wrapped around her pretty little finger. She certainly wouldn't approve of this. All's fair in love and . . . robbery?