根据英国作家王尔德经典作品《温德米尔夫人的扇子》改编，上世纪20年代，《温德米尔夫人的扇子》曾被洪深改编为话剧《少奶奶的扇子》，后被搬上银幕。
福民人寿保险公司会计王玉生下班回到家中，妻子秀珍说要去好友傅美仙家共度元霄节，可又没有首饰可佩，感到很失面子。为了不使妻子扫兴，玉生从一个珠宝商朋友周全那里借得一串珍珠项链。秀珍戴上珍珠项链，在宾客中出尽风头，引得美仙羡慕不已。次日清晨，玉生夫妇一觉醒来，发现项链不翼而飞，二人不禁大惊失色。恰在此时，周全前来讨还项链。
职业偷窃高手凯伦在一次行动中被捕入狱。出狱后，贼阿巴即找她合作，计划爆破国家银行，盗取保险库中的巨款。同时，贼阿巴又找来另一偷窃高手J.L.，一切部署完成后，两人旋即以熟练技巧打开保险库，当他们看到花花绿绿的银纸后，立即作出决定…… Karen McCoy (Kim Basinger) is released from prison with nothing but the clothes on her back. Before being incarcerated Karen was the bank robber of her time, but now she wishes for nothing more than to settle down and start a new life. Unfortunately between a dirty parole officer, old business partners, and an idiot ex-husband she will have to do the unthinkable in order to save her son (Zack English) and new heart throb J.T. (Val Kilmer): another job.
