Set It Off

Set It Off

Year: 1996

Runtime: 123 min

Language: English

Director: F. Gary Gray

Budget: $9M

ActionDramaThrillerRomanceCrime

Facing financial hardship after losing her job, Frankie convinces her close friends – a struggling single mother, a passionate lesbian, and a woman mourning her brother – to turn to bank robbery. As their daring heists become increasingly elaborate, they attract the attention of a determined detective. The group must then navigate escalating risks and maintain their bond while facing a final, dangerous confrontation.

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Timeline & Setting – Set It Off (1996)

Explore the full timeline and setting of Set It Off (1996). Follow every major event in chronological order and see how the environment shapes the story, characters, and dramatic tension.

Time period

1990s

The events occur in the mid-to-late 1990s, a period marked by urban economic strain and heightened tension between communities and law enforcement. The setting reflects a Los Angeles landscape where financial precarity and social frustration drive desperate choices. The time period emphasizes the film’s themes of survival, loyalty, and rebellion against unfair systems.

Location

Los Angeles, Mexico

The story unfolds across urban Los Angeles, concentrating on work sites, banks, and neighborhoods that shape the characters’ daily lives. The city’s gritty, industrial spaces underscore the tension between labor exploitation and criminal opportunity. The narrative ends with a dramatic departure to Mexico, signaling a rupture from the city’s authorities and an attempt at a new start.

🌆 Los Angeles urban setting 🚔 LAPD presence 🗺️ Cross-border escape

Last Updated: November 22, 2025 at 15:28

Main Characters – Set It Off (1996)

Meet the key characters of Set It Off (1996), with detailed profiles, motivations, and roles in the plot. Understand their emotional journeys and what they reveal about the film’s deeper themes.

Francesca 'Frankie' Sutton — Jada Pinkett Smith

A fired bank teller whose insider knowledge of bank procedures helps drive the crew’s carefully planned robberies. Frankie’s intelligence, pragmatism, and caution keep the group organized, even as personal risk grows. Her resolve catalyzes the heist spree, and her fate underscores the film’s brutal consequences.

💼 Bank teller 🧠 Strategist 👭 Loyal friend

Lida 'Stony' Newsom — Kimberly Elise

Frankie’s ally who becomes a pivotal member of the gang. Stony’s charm and street-smarts help the crew navigate dangerous situations, and she experiences personal conflicts that test the group’s unity. Her arc includes romantic entanglements and a moral reckoning as loyalties shift.

🌆 Urbanite 🧭 Risk-taker 👭 Loyal friend

Cleopatra 'Cleo' Sims — Queen Latifah

The most forceful member of the quartet, Cleo drives the group’s boldest moves and makes hard choices under pressure. She actively protects the loot and exerts leadership during tense confrontations. Cleo’s actions culminate in a dramatic, fatal showdown with law enforcement.

💥 Leader 🔥 Fearless 👭 Loyal friend

Tisean 'T.T.' Williams — Vivica A. Fox

A devoted mother who joins the crew after personal and legal pressures mount. T.T.’s involvement is fueled by a need to protect her family, even as the consequences threaten everything she cares about. Her arc ends in tragedy during the final heist, highlighting the price of desperation.

🤰 Motherhood 🧭 Values 👭 Loyal friend

Detective Strode — John C. McGinley

An LAPD detective tasked with unraveling the bank robberies. Strode’s pursuit reveals systemic tensions and moral complexity, balancing a desire for justice with the ethical ambiguities of policing. His decisions influence the fate of the robbers more than any single confrontation.

🕵️‍♂️ Police 🔎 Investigation ⚖️ Moral conflict

Luther — Blair Underwood

The janitorial-services boss who becomes entangled in the crew’s loot after discovering it. Luther’s manipulation and threat escalate the crisis and trigger a deadly chain reaction. His fate marks a turning point in the group’s dynamics and trust.

🏢 Employer 💵 Money 🔪 Danger

Last Updated: November 22, 2025 at 15:28

Major Themes – Set It Off (1996)

Explore the central themes of Set It Off (1996), from psychological, social, and emotional dimensions to philosophical messages. Understand what the film is really saying beneath the surface.

👭 Female Solidarity

A core thread is the unbreakable bond among Frankie, Cleo, Stony, and T.T. as they navigate a hostile environment. Their alliance grows from shared hardship into a calculated risk that redefines their sense of empowerment. The film explores loyalty, trust, and sacrifice within a tight-knit circle of friends.

💰 Crime & Consequences

The bank robberies reveal the lure of money as a solution to confinement and poverty. Each heist amplifies the stakes, revealing how quickly careful plans spiral into violence. The narrative tracks the toll on the robbers and on those around them, including bystanders and the police.

🔎 Investigation & Injustice

Detective Strode’s pursuit highlights how authority can misinterpret motives and lean on suspicion. The investigation exposes biases and the fragility of evidence in high-stakes crime. The tension between law enforcement and the protagonists underscores themes of power and accountability.

🤱 Motherhood & Care

T.T.’s role as a mother grapples with childcare, poverty, and the fear of CPS removal. The threat to her family motivates her involvement and intensifies the emotional stakes. The film frames motherhood as both a humane motivation and a vulnerability within a system that fails working-class women.

Last Updated: November 22, 2025 at 15:28

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Set It Off Summary

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Set It Off Summary

Set It Off Timeline

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Set It Off Timeline

More About Set It Off

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