This story is about the attempted robbery of an armored truck that goes wrong. Columbus Short plays the lead character named Ty Hackett, who has to take care of his little brother, Jimmy (played by Andre Kinney), since their parents died. Ty works as an armored truck guard. His co-workers, lead by Mike Cochrane (played by Matt Dillon) come up with a plan to fake a robbery when they learn they will be carrying over $40 million dollars. Even though Ty needs money desperately because he is facing foreclosure on his house, Ty is not comfortable participating in the robbery. Mike tells Ty to go home and think about it over night because the heist is the next day. When Ty goes home, he finds a social worker who tells him that Jimmy has been cutting classes and that he will go into a foster home if they lose the house.
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Ty arrives at work late, worrying the other guys. He agrees to go along with the plan as long as nobody gets hurt. It takes two armored trucks to haul all the money. Once both trucks are loaded with cash, they leave for their transport destination, one behind the other. On the way, they stop at an abandoned factory. Because of all electrical equipment, they lose radio contact. They offload the money from one of the trucks, hiding it in a smoke stack. The see a homeless person watching what they are doing. The chase him down, then kill him. Ty gets upset seeing this, runs to the other truck that is still full of money, locks himself in. Ty drives off. Mike chases him down in the empty truck and stops him by crashing into him. Ty hits the siren. Mike quickly disables it by pulling the fuse by the engine block, but not before the sheriff hears it. The sheriff comes towards where he heard the siren.
Ty still refuses to come out of the truck, so Mike and the other guys try to break the doors of the truck. Ty convinces Dobbs (played by Skeet Ulrich) to not go along with the plan which makes them all murderers. Dobbs gets the fuse from the other truck, tries to give it to Ty so he can get the siren going again, but in the process is caught by Palmer (played by Amaury Nolasco). Palmer kills Dobbs. The sheriff arrives. Mike pretends to be the security guard for the property. Mike tells the sheriff everything is OK. Nevertheless, Ty finds a way to get the siren working with other equipment in the truck. When the siren goes off, Baines (played by Laurence Fishburne) shoots the sheriff. Though shot, the sheriff does not die. Ty gets out of the truck when they are not watching him. He sets the money on fire with a flare. This distracts the others long enough for Ty to pull the sheriff back with him into the truck for safety.
Quinn (played by Jean Reno) goes off in the other truck. Ty takes the sheriff's radio, opens the bottom of the truck, and sneaks out again. Ty gets to a place where he can get a signal and calls in for help. Palmer catches him doing this but it is too late. Palmer cannot believe what he has done and how horribly things went wrong. Instead of shooting Ty, Palmer commits suicide after realizing they are all going to be caught.
Quinn returns with Ty's little brother Jimmy who he has kidnapped. Mike threatens to kill Jimmy, so Ty opens the truck door. They pull Ty and the sheriff from the truck. When they go for the money, Ty has rigged it to explode. The explosion kills Quinn and Barnes. Ty runs away. Mike tries to run him over with the truck. Ty jumps out of the way. Mike crashes and is killed in the crash. The sheriff, Jimmy, and Ty all survive.
Best part of story, including ending:
I like robbery stories, but I wish they had gotten away with all that money.
Best scene in story:
When Ty finds a way to sneak out of the truck to burn up all the money. It is a clever diversion that allows him to save the sheriff.
Opinion about the main character:
Ty holds to his sense of right versus wrong, does not give in to peer pressure, even when tempted by all that money. It is nice to see that good does win in the end.