In Miami, two hustlers on the run set up a credit fraud operation that soon attracts the attention from the police and the city's top criminals.

Tommy Brown and his friend Sincere are gangsters who have learned how to make a good living by dealing drugs and pulling armed robberies. Tommy and Sincere have been able to move out of the ghetto in Queens where they were raised and relocate to an upscale section of Manhattan; they would seem to have it made, but both realize that their lives are headed toward a dead end. Sincere begins getting in touch with his African roots and tries to convince his girlfriend Tionne that they should emigrate to the Motherland, while Tommy has a religious awakening and joins the Nation of Islam.

Drew Latham is an executive leading an empty, shallow life with only wealth on his side. Facing another lonely Christmas ahead, Drew wants to revisit his old childhood home and possibly relive some old holiday memories. But when he arrives, he finds that the house in which he was raised is no longer the home in which he grew up. Inhabited by another family, Drew offers a nice financial reward that has the family ringing. But is Drew's generous cash offer only the beginning of an annoying visitor who's a little too overeager to celebrate Christmas?