A hotshot San Francisco options trader, Jack Casey (Kevin Bacon) has a really bad day on the market, losing a fortune for his company, himself and his parents. Devastated, he drops out and takes a job as a bicycle messenger. Making friends with Hector (Paul Rodriguez), a courier who dreams of owning his own business, Jack meets and falls in love with Terri (Jami Gertz), a homeless waif who delivers drugs for Voodoo (Larry Fishburne), a local dealer. Deciding to help his friends, Jack rescues Terri from Gypsy (Rudy Ramos), Voodoo's vicious enforcer, and returns to the Stock Exchange, where he runs Hector's savings into a fortune.