Jack Casey (Kevin Bacon) is a brash yuppie broker who ends up losing his and his parents' wealth playing the stock market. What's Jack's next move? To drop out of the corporate rat race and become a bike messenger. Jack finds his new "free-wheeling" co-workers to be a diverse bunch, and he especially likes the down-and-out, sensitive Terri (Jami Gertz). But Jack also discovers that Terri and other messengers have an illegal and lucrative sideline delivering drugs for the nefarious drug dealer Gypsy. Can Jack rescue Terri from Gypsy's dangerous grip?