Money No Enough

Keong argues with his boss and quits his job. He struggles to find another position due to his poor English, no qualifications, and computer illiteracy. With mounting bills and a family to support, his debt problems escalate as his wife leaves with their daughter.

In desperation, Ong borrows S$40,000 from loan sharks and plans to recoup the money by collecting a debt from a friend. The friend subsequently runs away, leaving Ong deeper in trouble. The pressure mounts as the loan terms loom over him.

The loan sharks beat Ong for failing to repay within the deadline. He escapes the danger by fleeing to Johor Bahru, Malaysia. The move underscores the gravity of his debt and the danger from criminal lenders.

Hui, a single kopitiam waiter, lives with his elderly mother. He squanders his meagre salary on 4D and pursues an insurance agent he fancies. This creates tension between his modest life and his desires.

In an effort to resolve their financial problems, the three friends decide to start a car polishing business together with limited capital. They pool their resources and attempt to turn it into a viable enterprise. The venture marks a turning point from personal struggles to entrepreneurial collaboration.

During the opening ceremony of the car polishing venture, Hui's mother collapses and is taken to hospital. She is diagnosed with leukemia, adding a new weight of medical bills to their already fragile finances. The crisis strains Hui's resolve and the group's plans.

Hui's mother dies after the diagnosis, leaving a wake and emotional toll. His three wealthy older sisters refuse to help pay the medical bills due to their high incomes. Financial relief from formal assistance is rejected as well.

The loan sharks show up at the car polishing company to pressure Ong. They demand to cash out their shares to pay the outstanding debt, but the business has already spent its money on equipment and running costs. The situation heightens the risk of personal ruin for the trio.

At Hui's mother's wake, bai jin contributions raise ten thousand dollars toward funeral expenses. The act of communal support contrasts with the looming debt problems. It creates a temporary relief but also foregrounds the ongoing financial pressures.

The loan sharks reappear at the wake and pursue Ong through a tense chase. The pursuit ends with their arrest after a lengthy police chase. The encounter underscores the dangers the trio faces from their debt.

Keong convinces his wife and daughter to enter an obstacle race to win prize money. They compete together and manage to secure the first prize of S$100,000. The victory represents a sacrificial family effort paying off their troubles.

Keong uses the prize money to pay off his creditors, and his family is reconciled. The financial windfall stabilizes their lives and restores the family unit. The victory also brings new hope for the trio's future.

With the debt resolved and renewed stability, the car polishing venture grows. The three friends become directors of Autoglym Singapore, marking the group's transformation from personal crisis to a successful business venture.