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Charlie Lang, a New York cop with a heart of gold, wins a share of the lottery. However, the day before, having been caught without enough money to tip waitress (Yvonne), Charlie offers her half the winnings. Charlie’s wife, Muriel, is the complete opposite of her husband. She wants more and more money, and she’s not impressed by Charlie’s honest and kind nature. As Charlie and Muriel grow apart, Charlie and Yvonne grow together.

Pelham 1-2-3, a subway train, becomes the focal point of the most audacious and unusual terrorist attack ever seen. Four gunmen, going by color codenames, seize the train and hold its passengers and conductor hostage halfway between underground stations, demanding a hefty ransom else they will begin executing hostages. A veteran NY transit policeman leads negotiations with the hijackers to prevent any killing, but amid the showdown a question nags at authrorities - with the gunmen and their hostages in a tunnel surrounded by police on all sides, how can they possibly escape?