Dave Walsh (Matt Dillon) is a bank employee whose day begins badly when he gets fired from his dream job and dumped by his fiancée Sara Goodwin (Christina Applegate) the day after their engagement party was crashed by his best friend, Jack (Steve Zahn). Jack tries to console him by telling him that it's for the best, that Dave was headed down the wrong path. In a further effort to console him, Jack arranges for a hooker named Whisper (Jenna Fischer) to show up at his apartment, but instead she steals his car. The next day, Dave goes back to the bank with a gun tucked into in his waistband. He surreptitiously makes his way into his former boss's office, where he pulls out the gun and threatens to end his boss's life. Though intimidated, the boss stands up to Dave, and Dave, deciding he does not want blood on his hands after all, pistol-whips him instead.