Laura Bancroft, Delta Burke, a charity director, moves to Reno, Nevada, with her husband Jim Bancroft, Gerald McRaney, and their two children, Jennifer Elliot Page and Tommy Matthew Harbour. The family’s first big night out takes them to a restaurant that doubles as a casino, where Laura tries her luck on the slot machines. Jim and Bella — an elderly, self‑styled social gambler — cheer her on, and a modest win of five hundred dollars quickly spirals into something more dangerous. The lure of the casino pulls Laura away from family life, even as she begins a new role as director for a large medical charity and wins the goodwill of local benefactor Brad Bradford, Francis X. McCarthy, who donates money and helps recruit donors.
As Laura’s career climbs, the balance at home slips. She misses Jennifer’s school mother‑daughter tea party and pawns Tommy’s bicycle to feed the growing habit. The tension with Jim sharpens into frequent arguments, with him accusing her of a gambling problem she refuses to acknowledge. Laura’s neglect extends to the children—there are missed meals and unpaid bills—as she drifts deeper into the casino’s orbit. Meanwhile, Jennifer’s mood darkens into a goth phase, and she begins spending time with an older boyfriend, while Tommy scrambles to hold onto some sense of security. Laura’s mother-in-law, Mrs. Meyers, Susan Almgren, watches the turmoil from the outside, trying to understand where the family is headed.
A major turning point arrives when Laura hits a jackpot: $50,000 plus a free weekend in a luxurious hotel room. Jim’s disappointment grows as he discovers Laura has pawned family heirlooms and electronics to fuel her binge. The rift widens; Laura threatens to sue if he seeks custody, and Jim, heartbroken, returns home to collect his belongings and says a tearful goodbye to Jennifer and Tommy. He leaves the children with their grandparents for safety, a decision that underscores just how far apart they have become. The casino’s luck doesn’t stay with Laura, and the winnings evaporate in a single night as desperation Seeps in; she longs for still more money.
What follows is a deliberate descent into fraud. Laura begins writing fraudulent cheques to steal from the charity, gambling the theft away and hiding it from Bradford and her colleague Martine, Mary Donnelly-Haskell. Martine and Bradford start to worry as Laura’s behavior grows more erratic. Bella’s hard‑won bluntness echoes in her mind when Laura begs for an informal loan, and Bella advises that the only path to “doubling” her money in Reno is to fold it over, and put it back in her pocket. The sense of danger intensifies as Laura’s actions become impossible to explain away.
Jennifer’s grandmother Lois, Patricia Gage, steps in with a blunt honesty, urging her granddaughter to break up with the older boyfriend and remain focused on school. Lois is stunned by Laura’s indifference when Jennifer fails to return home after a rave, a moment that crystallizes the cracks inside the family. The tension peaks when tax auditor Ken Dowling, Richard Jutras, arrives to conduct a random audit of the charity and uncovers Laura’s theft. Laura experiences a panic attack as the scrutiny closes in, and Dowling and Martine begin to connect the dots.
Charges of fraud loom large, and the prospect of bankruptcy hovers over Laura’s empty home. She faces a confrontation with her mother, who bluntly asks for forgiveness while wrestling with anger, and the pair share a painful hug as tears flow. Laura is ultimately sentenced to prison, and the reactions around her—from her parents to Jennifer, Tommy, Dowling, and Martine—are bitter and resigned. The film’s epilogue adds a sobering coda: the real Laura Bancroft, [Garcia], was connected with the enactment of gambling‑addiction legislation in Nevada during the time she was incarcerated, grounding the film’s events in a broader, real‑world context.
