Donald Sinclair, the whimsical mastermind behind The Venetian Resort Hotel Casino in Las Vegas, concocts an outrageous new game aimed at thrilling the affluent visitors who frequent his establishment. Six unique tokens are carefully placed within the slot machines of the casino, and those fortunate enough to win them are summoned to hear an astonishing announcement: a staggering $2 million in cash is stowed away in a secure locker located at a train station in Silver City, New Mexico. The winners are informed that they must engage in a fierce and ruthless race to be the first to reach the location and claim their prize. Each contender receives a special key that unlocks the locker, and off they go on their wild adventure. However, unbeknownst to them, Sinclair's elite clientele is wagering substantial amounts on who will emerge victorious in this chaos.
Among the eclectic group of racers is the cunning duo of Duane and Blaine Cody, who are joined by the resourceful businesswoman Merrill Jennings and her estranged mother Vera. Other competitors include the disgraced football referee Owen Templeton, played by Cuba Gooding Jr., the ambitious Randy at the helm of the Pear family, the quirky Italian tourist Enrico Pollini who is comically narcoleptic, and the pragmatic attorney Nick Schaffer.
The escapades commence when Duane and Blaine's reckless driving leads them to obliterating an airport radar with their pickup truck. They concoct a plan to double their chances of success by replicating their key, but their scheme is foiled when a locksmith eavesdrops on their conversation and quickly absconds with the prototype. In a madcap chase, the brothers pursue the locksmith as he attempts to flee in a hot air balloon. In a stroke of luck, they reclaim the key, leaving the baffled locksmith dangling precariously alongside a cow.
Meanwhile, Merrill and Vera encounter their own set of challenges—they lose their vehicle to a frantic squirrel owner and are forced to commandeer a rocket car. This high-speed ride unexpectedly runs out of fuel, leading them to bewilderingly stumble onto a bus full of mental patients, which carries them straight into Silver City.
On the other hand, Owen has his own misadventure when a vengeful cab driver abandons him in the desert. Luckily, he bumps into a group of women en route to an I Love Lucy convention and takes on the guise of their coach driver. What follows is a series of hysterical mischief, culminating in the bus crashing due to the chaos created by the balloon. As Owen reveals he’s an imposter, he finds himself fleeing from the very women he tried to impress.
The Pear Family's escapade takes a bizarre turn when they visit a museum dedicated to Klaus Barbie, only to have the Codys cut off their car's engine in the midst of their tour. They impulsively seize Adolf Hitler's Mercedes-Benz, but inadvertently provoke a run-in with a biker gang, leading to a disastrous crash at a gathering of World War II veterans. Amid all the turmoil, Randy's audacity escalates to the point where he resorts to drugging his family to transport them to Silver City.
Initially, Nick is reluctant to join the race until he crosses paths with the feisty helicopter pilot Tracy Faucet, who offers him a ride. Their journey is filled with unexpected drama as they spot Tracy's boyfriend with his ex, igniting an intense emotional chase that ends with them pilfering the boyfriend's truck after their helicopter runs out of gas.
Lastly, Enrico’s journey begins awkwardly as he dozes off right at the outset of the competition. After a long nap, he gets a lift from ambulance driver Zack Mallozzi, who is on a mission to deliver a heart to El Paso. During their ride, chaos ensues when the heart escapes its confines. Enrico unwittingly tosses it out the window, triggering wild ideas of replacing hearts, which lead to even more outrageous antics.
As the racers converge in Silver City, Enrico miraculously arrives first only to doze off as he reaches the locker. Meanwhile, Sinclair's assistant Mr. Grisham and call-girl Vicky seize the opportunity to abscond with the money bag, but misfortune strikes when their plot backfires involving the locksmith’s balloon. In a final amusing twist, all competitors find themselves at a charity concert hosted by Smash Mouth, where they collectively decide to donate the winnings to charity. Nick courageously compels Sinclair and his wealthy betting friends to significantly boost the prize money to ensure a just ending to their chaotic race.
