Finding himself in considerable debt, Chris, a Texan drug dealer, decides the only solution is to murder his mother to collect the insurance money. Getting together with his father, the ex-husband of Chris' mother, they decide to hire Joe Cooper (a contract killer) who also happens to be a police detective. The plan is that the money will go to Chris' sister Dottie. However due to the size of the contract fee, Chris agrees that Joe can take Dottie as a retainer until the insurance comes through.

The film follows Grace, a young woman whose irresponsible mother blows her college fund on her younger sister's beauty pageant campaign.