Instead of flying to Florida with his folks, Kevin ends up alone in New York, where he gets a hotel room with his dad's credit card—despite problems from a clerk and meddling bellboy. But when Kevin runs into his old nemeses, the Wet Bandits, he's determined to foil their plans to rob a toy store on Christmas Eve.

Fueled by cheap whiskey, greed and hatred, Willie Soke teams up with his angry little sidekick, Marcus, to knock off a Chicago charity on Christmas Eve. Along for the ride is chubby and cheery Thurman Merman, a 250-pound ray of sunshine who brings out Willie's sliver of humanity. Issues arise when the pair are joined by Willie's horror story of a mother, who raises the bar for the gang's ambitions, while somehow lowering the standards of criminal behavior.