In a part of town so beaten down that even prostitutes and drug dealers have written if off, Nina Dolgoy imagines that if the local pool wasn't boarded up, her little daughters could use it to burn off their wayward energy and avoid falling into utter degradation. So the bitterly self-proclaimed “welfare queen” leads her neighbours on a fundraising, pool-fixing community-improvement campaign that proves the sad old adage that no good deed ever goes unpunished.
The only way Nina can think to raise money herself is by robbing a bank. Unfortunately, she isn't very good at it. Coincidentally, her brother, Frank, gets out of jail and robs one.
The explosive events that are unleashed force Nina and the girls to flee for their lives, but their escape turns into a sublimely bizarre chase during which Nina somehow needs to pull the wool over everybody's eyes.