Down-on-his-luck photographer Freddy Brower (Gary Kroeger) wins a $30 million lottery. But he wants to keep the money a secret from his wife Nancy (Jamie Rose), who is divorcing him, so that she cannot make a claim for the money. Freddy goes to his uncle, wealthy jeweler Leon Lamarr (Rip Torn), and convinces Lamarr to pretend that the lottery ticket is his until Freddy's divorce is finalized. Unfortunately, that is where Freddy's luck runs out: he does not know that his uncle has recently gone bankrupt, and is also having an affair with Nancy. Lamarr decides to kill Freddy in order to keep the lottery winnings for himself. He schedules a Halloween costume party at his house, during which he sneaks out to Freddy's apartment, knocks him out, undresses him, then drowns him in his bathtub.