Joe Blake (Willis) and Terry Collins (Thornton) are successful bank robbers who
are hoping to end their days steeling and retire on the loot they have accumulated over the years. Sexy Joe and his hypochondriac partner Terry have become the most famous robbers in the country with their charming theft method which includes taking the bank managers family hostage, and having the manager open the vault the next morning before working hours.
When the two meet Kate Wheeler (Blanchett), an ordinary, depressed housewife, matters become complicated. Kate joins their band hoping to make her life more exciting, and both guys fall in love with her. Problem is Kate can't choose because she finds the characteristics of both make up the perfect man.