- Ex drug dealer Lucky goes straight after prison. He's a street vendor in NYC. An old friend invites him to a strip club but uses him as muscle in a drug deal. When cops come, he leaves with the money and stripper.
- Two converging story lines involving corrupt cops ripping off drug dealers and serial killers are followed as former drug dealer Lucky, trying to go straight after doing a prison stint, gets entangled within by a series of bad breaks. Shepherd plays a sadistic and vindictive mother of a handicapped son who along with her young kung-fu kicking boyfriend, abducts and tortures people who she feels scorn her son. Lucky, caught up in a shootout between dealers and cops, grabs two briefcases with $500,000 and goes on the run and has the hard luck of happening upon the serial killer's cabin.—Anonymous
- The fun begins when Lucky (Wesley Snipes) is released from prison and tries to lead a respectable life despite his troubled past. Lucky frequently reflects on the wisdom of his grandfather who always told him "sometimes without bad luck, it would seem you don't have any luck at all." This theme is manifested throughout the film. Shortly after his release from prison, Lucky tries to get back on his feet but ends up a victim of Hurricane Katrina's wrath, and loses his newly found life. After moving back to New York, Lucky is dealt another blow when the government withdraws funds for his samba dance classes which he uses to try to keep kids off of the streets. This unfortunate event leads to Lucky enduring the bad influences of two old friends from his past life as a criminal, who lure Lucky to a strip club under the false pretense of one his friend's birthday. When a drug [gun?] deal with some dangerous mobsters goes bad, Lucky is now on the run with a feisty Cuban stripper from the strip club, Angie (Jackie Quinones), and over $500,000 in American currency, which is wired with marking dye.
Throughout the film, there are cuts of an unconventional and troubled couple, known to the police as the sawtooth serial killers. James Hiroyuki Liao plays Chang, an egotistical and maniacal accomplice to Cass, played by Cybill Shepherd, a mother of a mentally challenged boy. Motivated by Cass' son's unpleasant experiences with society's rejection of mentally challenged individuals, the couple brutally kidnaps, tortures, and presumably kills their abductees, recording their exploits on video, possibly for future viewing.
These two stories merge at the end as Angie and Lucky find themselves caught up in the path of violence, and Lucky ends up an unlikely hero by saving the life of a would-be victim of the sawtooth killers. Lucky, choosing to have a positive outlook on the events by using perspective gained from his grandfather, characterizes the events by describing them as being "the luckiest day in an unlucky man's life." Lucky and Angie go on to receive a $200,000 reward which had been offered by the police for information leading the capture, arrest, and/or prosecution of the sawtooth killers.
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