19-year-old New York college drop-out Seth Davis (Giovanni Ribisi) has always been a disappointment to his father, Marty (Ron Rifkin), but seems to have at last earned a little grudging respect when he passes his broker’s exams and becomes employed at J.T. Marlin. Inspired by the ambitious approach of his new colleagues in the ‘boiler room’, Seth sets out to make his first million, at the same time embarking on a romance with company secretary Abby (Nia Long). However, it isn’t long before Seth realizes that he is in fact defrauding his new clients; the stock he is selling is worthless, and the whole J.T. Marlin operation is an illegal scam. Unable to talk to anyone, Seth’s dilemma over whether to expose the operation and so lose his new-found friends and status is heightened when the FBI become involved…