In Montgomery County, Kelly Taylor is ready to go to college and takes her autistic brother, Tom, to a specialized institution. However, the bank informs her that she does not have sufficient funds in her account to honor her check. Her stepfather, Johnny Gaveneau, withdrew the money from her account the day before. When Kelly arrives home, Johnny reveals that he used the money to buy a tiger for his 'safari show' project. In addition he has the house reinforced, in order to protect it from hurricanes, so all the windows and external doors are covered with wood. When Kelly awakes, she finds that the starving tiger is inside the house and Tom and she are trapped with the ravenous animal.

Paradise Lake, near Kissimmee, Florida, is hosting a Professional Bass Association contest. Local bait-shop owner and former amateur champ, Bill Dugan, is in deep trouble: the bank wants $15,000 for the shop's mortgage, he doesn't tell his wife who's angry when she finds out, and his wealthy blow-hard father-in-law wants Bill to work for him. The tournament favorite is Hot Rod Johnson, a crowd-pleaser and ESPN darling who'll do anything to win. Bill's son Scott thinks Hot Rod is cool, Hot Rod opens a huge store close to Bill's, his ne'er-do-well pals are ready to desert him, and Bill may lose it all. His one hope is to enter the contest and win the prize. Time to fish or cut bait.