Winter, 1988: Harrisburg PA's celebrity weatherman, Russ Richards, is broke: he's borrowed heavily to open a snowmobile dealership, and it's still unseasonably warm. Gig, his seedy pal, advises him to run an insurance scam; when it goes awry, Russ is out another $10,000 and in trouble with Dale, a bat-wielding thug. Gig convinces Russ to rig the state lottery with the help of Crystal, a gold-digging ditz with a heart of tin. They have to find a beard to buy the ticket, and then they have to cash it. Soon, murder and various double-crosses add to Russ's nightmare. A lazy cop zeroes in. Jail is closer than riches. Will Russ have to choose between his money and his life?

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