Ralph Kramden (Cedric the Entertainer) is a New York City bus driver and irrepressible dreamer whose mind constantly whirs with new plans to get rich. But six years after meeting his wife, Alice (Gabrielle Union), none of his schemes have resulted in anything more than clutter in the closet of their Brooklyn apartment. When Alice's dream of buying a home looks like it could become a reality, the Kramdens team up with their best friends who live upstairs, Ed (Mike Epps) and Trixie (Regina Hall), to amass the $20,000 for a down payment before a shady land developer (Eric Stoltz) beats them to it.