Tommy and Dougie are two weathered musicians who are still living the rock and roll lifestyle, busted broke and desperately dreaming of their big break. Tommy's wife, Maddy, would trade places any day, stable but stuck in her own soul-less job as an assistant fashion stylist. To pay for their big album, the rockers take out a loan from the wrong kind of lender (the kind that breaks legs for breakfast). Unable to repay the loan they riff on a plan to rob Maddy's photo shoot for a high-end jewelry line in the desert.