Richard, an elderly man, decides to surprise his daughter, Deidre, by visiting her for his 80th birthday. Upon arrival, he notices something is wrong when Deidre acts distant and emotional, insisting it’s not a good time for a visit. Suspecting trouble, Richard stays behind and peeks through the window, discovering two threatening men demanding repayment on a debt from Deidre. Fearing for her safety, Richard watches as the men ransack her home and take her valuables.

After the men leave, Richard follows them to a shady bar and confronts Mr. Marco, the leader of the group, about the debt. Richard learns Deidre owes $80,000 from a business loan she couldn’t repay. Desperate to help his daughter, Richard offers his life savings of $20,000, but Mr. Marco demands more. In exchange for reducing the debt, Mr. Marco coerces Richard into smuggling contraband across the Canadian border using one of their cars.

Richard, realizing the danger, tries to carry out the task but panics when a police dog alerts officers at a gas station. He flees in the car and eventually drives off-road into a river, where the car sinks. Barely escaping with his life, Richard returns home and mortgages his house to pay off Deidre’s debt. He contacts her and assures her he’ll handle the situation, though deeply hurt she hadn’t come to him sooner.

Richard and Deidre go together to confront Mr. Marco and his gang. Richard brings the cash, but Mr. Marco grows furious upon learning the smuggled car was lost in the river, along with its illegal cargo. The gangster threatens them with violence, pulling out a gun and aiming at Deidre. Richard intervenes, begging to take responsibility, but the situation grows dire.

Just then, police sirens are heard, and the gangsters scatter. The police arrive, and Richard and Deidre hide until they are safely rescued. It turns out the sinking of the car provided crucial evidence against Mr. Marco’s operation, leading to his arrest. Richard breathes a sigh of relief, grateful to have escaped both the gang and the law unscathed.

In the aftermath, Deidre feels guilty for dragging her father into the mess and apologizes. She confesses that her business failed, and she had been too ashamed to ask for help.

Richard reassures her that she’s not a failure, expressing a wish that she had trusted him more, just as she used to with her late mother. They embrace, promising to be more open with each other moving forward.