The film follows Kristi Jones who, along with her gang, take part in Mafia-run street fights to earn money for her sister's college education. Kristi's sister hopes to become a doctor and pay for Kristi's education.

Four friends, annoyed at how almost everyone else they know is having sex but them, agree to do what they can to help each other lose their virginity before the end of the summer. Most of their opportunities are foiled by their inexperience and bad planning. Michael, the most sensible boy of the foursome, really just wants to stay with his long-time girlfriend and take their relationship to an intimate level, but after putting him off for six months he grows impatient and splits up with her to seek his fortune elsewhere.

FBI agent Tracey Pride is on a mission to capture businessman Jason Slade, who is involved in extortion and murder. Teaming up with her is her sister, Joyce, a news reporter; Dragon Lee, Tracey's partner in Hong Kong, and Jake, a bodyguard who worked for Slade. Can they stop Slade before it's too late?