Josh Kovacs is the building manager of The Tower, a high-rise luxury apartment complex. Arthur Shaw, tenant and wealthy businessman accused of running a Ponzi scheme, gets sentenced to house arrest after getting caught trying to flee. The Tower invested their employees' pensions in Shaw's scheme. The pensions are gone. Lester, the building's doorman, attempts suicide and in the hospital reveals he lost everything in the scheme. Josh talks to Shaw with Charlie Gibbs, the concierge and Josh's brother-in-law, and Enrique Dev'reaux, the bellhop. When Josh mentions Lester's suicide attempt, Shaw appears insincere. Josh responds by destroying the windows of Shaw's Ferrari 250, getting Josh, Charlie and Enrique fired.
Josh and FBI agent Claire Denham meet at a bar; Claire drunkenly mentions Shaw's cash safety net of around $20 million and suggests they steal it. Josh gathers Charlie, Enrique, and Mr. Fitzhugh, a former Merrill Lynch employee and Tower tenant, to discuss stealing Shaw's money but Charlie raises the fact they are not thieves. Josh hires Slide, whom he was friends with in daycare, for help. Slide trains the team but realizes he cannot do the robbery because he doesn't know how to crack the safe. They decide to bring in Odessa Montero, the Tower's maid whose family ran a locksmith business. Charlie changes his mind after The Tower hires him as building manager, and warns Josh to stay away or he will have him arrested. Claire also warns Josh that Shaw will
walk free, stating his hearing will be on Thanksgiving during the Macy's Day Parade. Josh and his team plan to break in during the hearing.
On Thanksgiving, Josh, Enrique, and Fitzhugh spot Slide going in to steal the money for himself. Enrique texts Charlie using Charlie's pregnant wife's cell phone, saying she is going into labor to get him to leave. Slide holds Josh and his team at gunpoint, but Odessa points a gun at Slide and convinces him to work with the team. Charlie realizes the text message is fake and rushes to the apartment. Likewise, Claire realizes Josh faked the court date when they find the courthouse locked and learn the presiding just is out of town. Odessa opens Shaw's safe but finds it empty. Slide struggles with Fitzhugh for his gun; the gun goes off and hits the car. Josh notices the bullet took off some paint and sees gold underneath. They realize Shaw invested his cash in gold, and had it melted down and recast as car parts in his apartment. They decide to lower the car out the window into Fitzhugh's old apartment. Fitzhugh nearly falls but Charlie rejoins the team and saves him. They decide to ride the car down the top of an elevator. Before going down, Josh finds Shaw's ledger of illegal finances. They start to ride the elevator down but Claire and Shaw's return take them back up. Claire notices Shaw's uninventoried safe and officially remands him for violating his bail conditions.
Watching the security cameras, Claire notices Lester using Slide's stolen truck, trying to escape with the car. She and other agents catch up to him but find the truck empty. Claire arrests him and the other accomplices except Slide, and secretly congratulates Josh. The FBI refuses to make a deal with Shaw, and neither Josh nor his comrades are open to Shaw's desperate offers when they reveal the evidence they discovered. During Josh's questioning with Claire and FBI Director Mazin, Miss Iovenko arrives posing as Josh's attorney and provides Shaw's ledger. She requests that everyone go free in exchange for the ledger. Mazin accepts but Josh, being the primary conspirator, must serve a two-year sentence.
The rest of the team, minus Charlie, meet with Slide at Shaw's rooftop pool where the car is hidden. They send various parts of the car to Tower employees to compensate for their lost pensions. Shaw begins his life sentence and Josh begins his sentence, as a satisfied grin slowly forms on his face.