Directed by
Robert Scheerer
Made by
Filmways Pictures
Discover the intricate plot of How to Beat the High Cost of Living (1980). From unexpected twists to emotional highs and lows, this detailed summary breaks down every moment to give you a deeper understanding of the film’s story.
In the quiet suburb of Eugene, Oregon, three lifelong friends—Jane](/actor/jane-curtin), Elaine, and Louise—are grappling with the challenging realities brought on by economic struggles and personal upheaval. Still reeling from her recent divorce, Jane finds herself navigating a tangled web of relationships, including her would-be love interest, Robert, her newly single father, and her young children, who are in urgent need of dental care. The unexpected news of her pregnancy further complicates her financial situation, leaving Robert deeply distressed.
Meanwhile, Elaine experiences a dramatic upheaval when her husband leaves her for a younger woman, plunging her into a sea of overdue bills and mounting credit card debt. In her desperation, she faces the harsh reality of having her electricity shut off, leading to a night of drinking that ends with an embarrassing encounter with police officer Jack. Initially hesitant, Jack eventually falls for Elaine’s charms, yet she feels vulnerable when he reveals he is married.
As their financial troubles escalate, Louise must confront a daunting court order from her ex-husband, Albert, who plans to use their accumulated debt against her. Determined to improve their circumstances, the women devise a plan for a yard sale, with Elaine even considering selling off her ex-husband’s belongings.
Inspired by a seemingly innocuous clear ball she sees at a local mall, Elaine believes it is the key to a financial windfall. She calls upon Jane and Louise to assist her in a daring scheme to extract cash from the ball by drilling a hole beneath it and using a high-powered vacuum. However, their grand plan is interrupted when they are caught in the act by Officer Jack.
In a desperate attempt to prepare for their heist, the women conduct a practice run, during which Jane attempts an armed robbery at a Safeway store in Medford. Regrettably, her lack of experience is laid bare when the cashier mistakes her pistol for a toy water gun, forcing her to flee empty-handed.
As the night of the intricately designed heist arrives, each woman embarks on crucial missions at the local mall. Jane and Louise move beneath the cash ball with precision and grace, while Elaine prepares to execute her role in activating the lighting controls for their escape. However, their meticulous plan is put at risk when a minor mishap creates enough noise to potentially alert mall security.
In a moment of inspiration, Elaine seizes a nearby spotlight and launches into an impromptu performance art piece, passionately criticizing the exorbitant costs of modern life and the crises that accompany it. As she strips away her inhibitions, a nearby light pole crashes down onto the cash ball, scattering a shower of banknotes throughout the mall, prompting shoppers to scramble for the free money amidst the chaos.
During this pandemonium, Jane and Louise manage to escape towards the nearby river, two trash bags filled with their ill-gotten cash in hand. However, while navigating the water in a canoe, Louise’s moment of distraction causes them to capsized, forcing both women into the turbulent waters with Louise’s inability to swim heightening the urgency of the situation.
When dawn breaks, the trio reconvenes by the riverbank, their spirits dampened by the loss of their loot. Tensions flare as they argue over the consequences of their escapade, mired in feelings of regret and disappointment.
Yet, a glimmer of hope arises when Louise spots a floating bag drifting downstream, prompting all three women to dive into the water to retrieve it. This brief moment of unity, however, is short-lived as their lives ultimately veer in different directions: Jane marries Robert, establishing a new life highlighted by her father’s condo in a senior complex; Louise reignites her entrepreneurial spirit and rekindles her romance with Albert; and Elaine finds comfort in Jack’s arms, using her secret cache to restore the luxurious lifestyle she once enjoyed.
Track the key events of How to Beat the High Cost of Living (1980) with a comprehensive timeline. Perfect for understanding the sequence of major plot points, this feature offers clarity on how the story unfolds.
Jane's Divorce
Jane experiences the emotional turmoil of her recent divorce, navigating the complexities of single motherhood. Her newfound freedom is overshadowed by challenges such as managing relationships and caring for her children, leading to feelings of isolation and distress.
Financial Struggles Begin
As Jane deals with her divorce, she confronts mounting financial pressure, especially as her children require dental care. This financial strain makes her life increasingly chaotic, particularly after learning about her unexpected pregnancy, which adds to her worries.
Elaine's Marriage Collapse
Elaine faces a traumatic upheaval when her husband leaves her for a younger woman. This sudden change leads her to grapple with overdue bills, as her financial situation deteriorates and she becomes overwhelmed by credit card debt.
Elaine's Night with Police
Desperate and stressed, Elaine has a dangerous night of drinking that culminates in an embarrassing encounter with Officer Jack. Though she struggles with vulnerability due to Jack's marital status, their chemistry begins to develop against her better judgment.
Louise's Court Order
Louise learns that her ex-husband, Albert, has filed a court order against her regarding their shared debt. Faced with the realization that her past mistakes could jeopardize her future, she resolves to take action to alter her financial fate.
Yard Sale Scheme
In a bid to improve their dire situations, Jane, Elaine, and Louise decide to hold a yard sale. They gather their belongings, and Elaine even considers selling her ex-husband's possessions to raise money, demonstrating their desperation to overcome their hardships.
The Cash Ball Idea
Elaine is inspired by a clear cash ball at a nearby mall, believing it could be the key to a much-needed financial windfall. She concocts a daring plan with Jane and Louise to extract the cash using unconventional methods, hoping to change their fortunes.
Practice Heist Goes Awry
During their practice run for the heist, Jane attempts an armed robbery at a local Safeway store, but her inexperience is exposed when the cashier mistakes her weapon for a toy. This mishap highlights the absurdity of their situation and instills further tension among the friends.
The Heist Commences
On the fateful night of the heist, the women split up to execute their parts at the mall. With Jane and Louise maneuvering beneath the cash ball and Elaine managing the lighting controls, they need to work seamlessly to avoid detection by mall security.
Elaine’s Performance
When their plan starts to falter due to noise, Elaine seizes the moment to launch an impromptu performance art piece, drawing attention away from her friends. As she critiques the high costs of living, a light pole accidentally falls, releasing a shower of banknotes in a chaotic scene.
Chase and Escape
In the midst of the chaos created by Elaine's performance, Jane and Louise seize the opportunity to grab bags filled with cash. They make a hasty escape towards a river, but their glee is short-lived when they capsize their canoe, putting their lives in peril.
Reunion by the River
As dawn breaks, the trio gathers by the riverbank, reflecting on the consequences of their reckless actions. Feelings of regret and disappointment surface, leading to a heated argument about their ill-fated heist and the repercussions it has wrought.
The Floating Bag
In a moment of unexpected unity, Louise spots a floating bag drifting downstream, prompting the women to jump into the water to retrieve it. This brief spark of camaraderie offers a glimmer of hope amid their struggles, even as their futures become uncertain.
Different Paths Ahead
Following their tumultuous experience, the three friends choose divergent paths in life. Jane marries Robert, Louise rekindles her romance with Albert and pursues her entrepreneurial dreams, while Elaine finds solace in her relationship with Jack, reigniting her former luxurious lifestyle.
Meet the characters that bring How to Beat the High Cost of Living (1980) to life. Dive into detailed profiles of the cast and their roles, exploring their motivations, relationships, and arcs within the story.
Jane
Jane is a recently divorced mother struggling to balance her responsibilities while dealing with the shock of an unexpected pregnancy. Her character embodies resilience as she attempts to forge a new path amidst financial chaos and seeks love and stability with Robert. Her journey reflects her determination to rebuild her life.
Elaine
Elaine undergoes a dramatic transformation after her husband leaves her, struggling with overwhelming debt and feelings of inadequacy. Her character portrays vulnerability, yet she finds strength in her friendship with Jane and Louise. Despite her setbacks, Elaine’s ingenuity leads her to take bold actions in pursuit of financial relief.
Louise
Louise is characterized by her fierce determination to reclaim her independence after being weighed down by her ex-husband’s obligations. She navigates the intricacies of friendship while facing external pressures from her past. Louise’s entrepreneurial spirit shines through as she seeks new beginnings, highlighting her strength and adaptability.
Uncover the settings of How to Beat the High Cost of Living (1980), from iconic locations to the time period that shapes its world. See how these elements add depth and context to the movie’s narrative.
Time period
The events of the film reflect contemporary struggles faced by individuals in a struggling economy. Themes of financial hardship and personal upheaval resonate in today’s world, showcasing the impact of economic challenges on friendships and relationships.
Location
Eugene, Oregon, Medford, Oregon
Eugene, Oregon, is a quiet suburb known for its lush scenery and vibrant community. Medford serves as the backdrop for pivotal scenes, including the attempted armed robbery at a local Safeway store. The nearby river symbolizes both the tranquility and tumult of the women's chaotic journey.
Explore the core themes of How to Beat the High Cost of Living (1980). From its commentary on social issues to its emotional undertones, delve into the deeper messages woven into the film’s story.
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Financial Struggles
The film explores the harsh realities of financial strain faced by the main characters. Each woman confronts her own economic crisis, leading them to commit desperate acts in an attempt to reclaim control over their lives. This theme highlights the lengths people will go to survive in uncertain times.
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Friendship
Amidst their turmoil, the bond between the three friends remains central to the story. Their shared struggles and daring plans strengthen their relationship, demonstrating the power of friendship in overcoming adversity. However, tensions escalate as their situations become more dire, testing their loyalties.
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Identity Crisis
Each character grapples with changes in their identities as they navigate personal and economic upheaval. Jane’s journey through divorce, Elaine’s loss of her marriage, and Louise’s battles with her ex-husband all contribute to their struggles for self-discovery and empowerment.
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