When Carter arrives in California, he finds Vinnie a destitute man yearning for redemption. Vinnie has tricked Carter into coming back and confronting the past. After years of struggling with guilt, Vinnie wants to come clean. He believes he has located Simms, the man whose life they destroyed so many years ago, living in Kentucky under an assumed identity. Vinnie wants to offer restitution, but Carter fears his success will come crashing down if they reveal their secret.

Vinnie runs off with Carter's car, his money and his plane ticket, flying to Kentucky to locate the victim of their scam and Rosie, the woman he once loved. When Carter realizes what Vinnie is up to, he sends quirky, idealistic Cecilia, a friend of Vinnie's, with a bag full of money to keep Simms quiet.