Charlie McMillan works as a bank branch manager inside a Save & Pay grocery store. He is married to former prom queen Nikki, who cheats on Charlie with her ex-husband Ted-O. Her two sons (by Ted-O) treat Charlie like dirt. Charlie meets his old friend and former neighbor Max “Maxi-Pad” Kessler at his 25-year high school reunion. While the two become intoxicated at a bar, Max claims to be an FBI agent and confesses he is stalked by his psycho ex-girlfriend Becca. Charlie admits to wanting a new life and agrees to spend a weekend on Max’s yacht while Nikki is away on a spa vacation.