Christmas brings the Cosgrove family back together for a typical holiday reunion: everyone talking and no one listening. Talk turns to a local robbery, they all agree they could pull it off better. When an opportunity presents itself, they decide to put their theory to the test and carry out a robbery of their own. What starts as a harmless Christmas conversation soon becomes a very real and chaotic criminal enterprise, forcing this dysfunctional family to work together before everything goes disastrously wrong.