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Plot Summary


A group of FBI agents dramatically bursts into the home of Connie Kaminski, but she soon realizes she’s jumped ahead in her story. With a voiceover narration, Connie takes us back nearly a year to her life before the chaos. At that time, she finds herself unemployed and adeptly cutting costs through coupons. Rick, her husband and an IRS agent portrayed by Joel McHale, remains unsupportive and constantly urges her to find a job, dismissing her at-home efforts as mere coupon hoarding. The couple’s journey to parenthood hits a snag, as Connie faces a miscarriage, and they find themselves buried in debt from their fertility treatments.

Connie’s closest ally is Joanna “JoJo” Johnson, whose life is overshadowed by the theft of her identity, leaving her struggling to find stable work. Instead, JoJo resorts to creating YouTube videos to bring in some cash, much to the amusement of the local mailman, Earl (Dayo Okeniyi), who harbors a crush on her.

After a particularly vexing day, Connie fires off a complaint to General Mills about stale Wheaties, which surprisingly earns her a coupon for a free box of cereal. Inspired, she dives headfirst into writing more letters of complaint, soon discovering that this can be a lucrative venture. Connie and JoJo hatch a plan to travel to Mexico, where they learn the coupons originate. Their goal? To collect these coupons and share them with other women in similar financial predicaments.

Meanwhile, in Carson City, Ken Miller (played by Paul Walter Hauser) monitors coupon fraud and is on duty to prevent losses for various retailers. Despite his serious demeanor, he faces loneliness back at home. As Connie and JoJo embark on their trip to Mexico, they enlist the aid of a local couple, Alejandro (Francisco Rodriguez) and Rosa (Ilia Paulino), who agree to trade unused coupons. This partnership gives rise to their new venture, “Savvy Super Saver,” which takes off and allows them to profit from their couponing quest. However, this success draws the attention of Ken, leading him to take a personal interest in their activities.

As the women navigate this new world of couponing, they encounter complications that require them to prove their business’s legitimacy. To tackle this, they connect with Tempe Tina (played by Bebe Rexha), the hacker responsible for stealing JoJo’s identity, hoping she can guide them through the mess they’ve created. Tina instructs them on maintaining discretion while their operation grows, advising them to use JoJo’s cosmetics brand, Back 2 Black, as a front.

After six months, the women believe they’ve safely stored their earnings, but facing the reality of having made some dubious financial moves, they feel the pressure. Unsure of how to clean their “dirty” money, they indulge in extravagant purchases like sports cars and revealing firearms. On the other side, Ken collaborates with Simon Kilmurry (played by Vince Vaughn) from the post office, discussing their pursuit of the women who are now getting increasingly reckless in their spending.

When JoJo introduces Connie to a fertility clinic for another chance at pregnancy, things become even more complicated. Instead of using Rick’s sample, Connie opts for an anonymous donor. As Ken and Simon gather more evidence against the women, their investigation tightens, leading them to ultimately pursue an arrest.

Captured by the law, Connie and JoJo find themselves in jail; however, while JoJo soon secures bail, Connie receives a visit only from Rick, who chastises her for her actions. Frustrated and feeling unsupported, she initiates divorce proceedings. Eventually, they are put on trial with JoJo sentenced to ten days in prison, and Connie facing eleven months.

In the end, much to Ken’s dismay, the corporations involved prefer to move past the case quietly. JoJo’s new romance with Earl leads her to relocate to Montenegro, where they can maintain their coupon-selling scheme with JoJo’s make-up business as a cover. On the other hand, despite her incarceration, Connie remains hopeful as she embraces her pregnancy and makes the most of her time behind bars.

Timeline


Connie's Reality Shift

A group of FBI agents crashes into Connie Kaminski's home, startling her. This dramatic entrance marks the beginning of chaos in her life, but she reflects on how it all began nearly a year earlier.

Unemployment Struggles

Back then, Connie is unemployed and trying to manage her finances by expertly using coupons. Her husband, Rick, an IRS agent, doesn't support her at-home efforts and frequently pushes her to find conventional work.

Heartbreak of a Miscarriage

Connie and Rick face a heartbreaking setback in their journey to parenthood when Connie suffers a miscarriage. This emotional turbulence adds to their financial burdens stemming from costly fertility treatments.

JoJo's Identity Theft

Connie's best friend, JoJo, struggles with life after having her identity stolen. This issue leaves her in a tough job market, forcing JoJo to get creative by making YouTube videos to earn some money.

Complaint Leads to Inspiration

After a rough day, Connie sends a complaint to General Mills about stale Wheaties. To her surprise, she receives a coupon for a free box, which inspires her to write more letters of complaint for profit.

Trip to Mexico

Connie and JoJo plan a trip to Mexico to source more coupons directly. Their mission is to collect these valuable coupons to help women in similar financial predicaments back home.

Mexico

Team Up with Locals

In Mexico, they meet a couple, Alejandro and Rosa, who help them by trading unused coupons. This partnership gives rise to their new business, 'Savvy Super Saver', targeting their couponing efforts.

Mexico

Ken Miller's Investigation

Ken Miller, who monitors coupon fraud in Carson City, starts noticing unusual coupon activity. His serious demeanor masks his own loneliness at home as he investigates the women's growing operation.

Carson City

Consulting with a Hacker

To navigate the complexities of their new enterprise, Connie and JoJo reach out to Tempe Tina, the hacker who stole JoJo's identity. Tina advises them on discretion and how to utilize JoJo's cosmetics brand as a false front for their business.

Luxury Spending Spree

After six months of success, Connie and JoJo start making extravagant purchases, including luxury cars and firearms. The pressure mounts as they realize they've made dubious financial choices with their newfound wealth.

Fertility Clinic Plans

JoJo introduces Connie to a fertility clinic for another chance at motherhood. Connie decides to use an anonymous donor, complicating her already strained marriage with Rick.

Escalating Investigation

As Ken collaborates with Simon from the post office, their investigation into Connie and JoJo's activities deepens. They gather evidence that leads to a tightening net around the women.

Arrest and Consequences

Connie and JoJo are captured by law enforcement. While JoJo quickly secures bail, Connie receives only criticism from Rick, prompting her to initiate divorce proceedings due to feeling unsupported.

Trial and Sentencing

The women face trial for their illegal activities, resulting in JoJo's ten-day sentence and Connie's eleven-month sentence. The outcome highlights the seriousness of their couponing venture gone awry.

New Beginnings

In the aftermath, major corporations opt to drop the case quietly, much to Ken’s disappointment. JoJo relocates to Montenegro with Earl, while Connie, despite her situation, remains hopeful about her future and embraces her pregnancy.

Montenegro

Characters


Connie Kaminski

Connie is an inventive and determined woman facing unemployment and mounting debts after a miscarriage. Despite her husband's lack of support, she embodies resilience by turning couponing into a profitable venture. Her personal growth is evident as she navigates the challenges that arise, leading to significant changes in her life and relationships.

👩‍💼 Entrepreneur 💔 Resilient 🤔 Determined

Rick Kaminski

Rick is Connie's husband, characterized by his skepticism and lack of faith in Connie's couponing efforts. As an IRS agent, he embodies practicality and caution, often dismissing his wife's ambitions. His relationship with Connie faces turbulence as they grapple with personal loss and differing priorities.

⚖️ IRS Agent 😒 Unsupportive 💔 Strained Marriage

Joanna 'JoJo' Johnson

JoJo is Connie's loyal friend, dealing with the aftermath of identity theft which hampers her job search. Her creativity shines as she resorts to making YouTube videos for income, showcasing her vibrant personality. JoJo's camaraderie with Connie leads them on their ambitious couponing adventure, revealing her adventurous spirit.

🎥 Content Creator 💪 Loyal 🙈 Struggling

Ken Miller

Ken is a serious and dedicated investigator monitoring coupon fraud. Despite his stern exterior and focused professional demeanor, his lonely personal life adds depth to his character. His commitment to his job becomes a conflict as he tracks Connie and JoJo's operation, creating tension in the unfolding story.

👮‍♂️ Investigator 🔍 Serious 😔 Lonely

Tempe Tina

Tempe Tina is a hacker and complex figure who becomes involved with Connie and JoJo after her identity is stolen. Though her involvement complicates the women's situation, she plays a pivotal role in navigating the legal troubles they face. Her expertise highlights the theme of trust and caution in the digital age.

💻 Hacker 🕵️‍♀️ Complex ⚠️ Cautious

Setting


Time period

The story unfolds in a modern-day setting, highlighting the struggles and humor surrounding unemployment and the couponing craze. Themes of identity theft, financial desperation, and unexpected entrepreneurship reflect contemporary issues faced by many individuals today.

Location

Carson City, Mexico, Montenegro

Carson City serves as a backdrop for the thrilling antics of Connie and JoJo as they navigate the world of couponing while evading law enforcement. Their adventures take them to Mexico, where crucial coupons originate, leading to a partnership that sparks their savings enterprise. Ultimately, JoJo's love story unfolds in Montenegro, showcasing a locale known for its scenic beauty and cultural richness.

🌆 City 🌴 Travel 🏖️ Beach

Themes


💔

Loss

The theme of loss is prevalent throughout the film, primarily illustrated through Connie's miscarriage and the subsequent strain on her marriage. This personal tragedy drives her to seek fulfillment elsewhere, leading her into the world of illegal couponing. The impact of loss reverberates through Connie and JoJo's actions as they navigate their challenges together.

🤑

Desperation

Desperation fuels the actions of the main characters as they resort to coupon fraud in a bid to overcome their financial struggles. Connie and JoJo's initial motivation stems from their inability to find stable jobs, pushing them into risky ventures that lead to both humorous and precarious situations. Their needs drive them to create a lucrative scheme that challenges social norms.

👩‍🤝‍👩

Friendship

The bond between Connie and JoJo underscores the theme of friendship as they support each other through life's ups and downs. Their loyalty to one another is tested as they navigate the challenges of couponing and personal turmoil. Ultimately, their friendship proves to be a source of strength, helping them face adversities together.

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