The year is 1997 and the Monroe family struggles to pay off their debt as it continues to stack.
David Monroe, an honors student who has never got in trouble before, devises a plan amongst his friends to rob a bank.
David and his friends go through with their plan and after his 16th birthday in Stafford, Texas they rob a bank.
They proceed to fail, get held at gunpoint, and get arrested after trying to escape in their car.
After 5 years and 4 months, David Monroe gets out of jail and gets a meeting invite to meet with one of his previous hostages.
David Monroe and David Ned later meet and sit down to talk about their lives and how each person ended up in that situation. Monroe discussing his debt issue and Ned talking about how he changed his attitude due to that experience.