Russ Richards is a TV weatherman and local celebrity on the verge of losing his shirt. Desperate to escape financial ruin, he schemes with Crystal the TV station's lotto ball girl to rig the state lottery drawing. The numbers come up right, but everything else goes wrong as the plan starts to unravel and the game turns rough.

A foul-mouthed finishing school graduate mistakenly winds up on an ill-fated fishing boat, and faces the wrath of a crew that considers him bad luck.