In this underscripted and not wholly convincing drama, Kevin Bacon plays Jack Casey, an up-and-coming broker who crashes on the stock market one day and cashes in whatever he has left to become a bicycle messenger in San Francisco. Although not exactly a logical alternative, bicycling the hilly streets of S.F. turns out to be dangerous after Casey runs into Gypsy (Rudy Ramos), the street pusher who has the messengers run drugs for him. A series of characters and events drop in and out of the conflict between Gypsy and Casey, including love interest Terri (Jami Gertz) and Casey's friend Hector (Paul Rodriguez). Music dominates throughout the film which includes scenes of breakdancing on bikes.