Jack Casey (Kevin Bacon) is a young floor trader who loses all of his company's and family's savings on a risky business decision. Deflated and disenchanted with his profession, he quits his job and becomes a bicycle messenger. Casey has to deal with his parents and his girlfriend, who are disappointed with his new job. Along with the colorful characters that work with him, he saves a troubled young woman named Terri (Jami Gertz) from a gang.