One day, Carmen Müller realizes that her husband Werner has been unemployed for months and has accumulated debts of 80,000 DM in their bank account. She comes up with a plan to rob her bank. When the branch manager and neighbor Lothar Fuchs, whom Carmen has always envied for his beauty and wealth, recognizes her, she takes him hostage. In their hideout in the Allgäu, the banker falls in love with the housewife, just as Werner and Fuchs' mistress Gabriele grow closer. The quartet form an alliance and defraud the bank together. Having come into money so suddenly, the Müllers don't feel comfortable either and secretly distribute their fortune around the neighborhood.

Editor Eckernförde has come into the possession of an audiocassette that contains a recording of the last minutes of deceased politician Uwe Barschel. The circumstances of his untimely death have never been completely resolved - until now. Unfortunately, the editor's daughter Nina accidentally takes the tape with her to Munich, where she is about to visit her paralyzed Mom in a sanatorium. When this information reaches the CIA and the BND, both organizations compete to get hold of the tape. Meanwhile Erkan & Stefan, two loveable wannabe supercheckers from Munich, are assigned as bodyguards for Nina - of course, they are expected to mess up their job, so that the tape can be retrieved. But the two friends prove to be a bit more streetwise than CIA or BND ever expected.