The titular protagonist, an 85-year-old woman named Liang Po Po Jack Neo, flees her retirement home in search of a new chance to contribute to society and prove that age won’t stop her from making a difference.
On her first day out, she is robbed by a female gangster named Ah Lian Patricia Mok. Undeterred, Liang tries to find work and ends up taking a shot at a gas pump attendant job, but chaos quickly follows. She soon meets and befriends two gangsters, Ah Beng Mark Lee and Ah Seng Henry Thia, and becomes inadvertently drawn into a secret society led by a feared figure known as Big Boss John Cheng. The gang exploits Liang’s naïveté, using her to peddle pirated VCDs and to collect debts that others fear to chase.
As a loanshark runner, Liang resort to stalking, breaking into homes, and employing various harassment tactics to pressure borrowers into repayment. Her surprising early success even exceeds what the loanshark expected, though he underpays the elderly woman who is cheerfully performing a dangerous task. As Liang forges genuine friendships with Ah Beng and Ah Seng, Big Boss decides that the gang should command fear and respect rather than be dismissed as petty criminals. To elevate their image, he hires two consultants from the Hong Kong triads Eric Tsang Chi-Wai, who chide the gang for their small-time crimes and push them toward more serious offenses, including gun-running, mass murder, and robbery. The gang members—still partly clueless about the danger they’ve invited—begin carrying out violent attacks on nights when rivals are targeted, while the consultants insist they adopt a more polished exterior with suits and sunglasses to signal their new status.
The surge in violence catches Singaporean authorities off guard, and the police struggle to pinpoint the mastermind behind the chaos. Encouraged by the consultants to broaden their reach into civil society, Big Boss runs for office as an independent politician. His campaign wins broad support, though a few, including Liang Ximei, sense there is a dark history behind him. To bankroll the bid, the consultants push Big Boss to orchestrate a bank robbery, and Liang, impressed by her earlier “success,” is put in command of the heist, trusted to lead because an elderly woman would arouse less suspicion and might even gain sympathy if caught.
Ah Beng and Ah Seng uncover the plan and try to pull Liang to safety, but she refuses to abandon her friends. The operation proceeds, and Liang, unknowingly armed with a real, loaded gun, leads the staff of a bank to hand over the money. She later disputes the exact amount, but the bank reports a much larger figure missing, sparking a nationwide hunt for the aging fugitive. As the authorities close in, Liang realizes she has been used by Big Boss and the consultants, and with nothing left to lose, she arms herself again for a final confrontation.
In the climactic showdown with the last consultant, the weapon turns out to be a water pistol—the very device the consultant had planned to gift Liang for the robbery. The police arrive just in time to arrest the remaining gang members, and Liang, Ah Beng, and Ah Seng are among the few who avoid arrest. In the aftermath, the trio contemplates new directions for their lives. Acknowledging they can earn money in more legitimate, if unconventional, ways, Ah Beng and Ah Seng disguise themselves as Liang look-alikes to forge a fresh path selling goods to the public.
The film also features a cameo by Zoe Tay as herself, adding a brief, meta moment to the story.
