Teenage Robin and his family move from Kansas City to Seattle after winning the lottery. Robin attends Locksley Academy, a wealthy private school, where he – alongside some new friends – concocts a plan to help an injured friend whose surgery money is stolen by the head of a very wealthy corporation.

Young Penny goes on a retreat with her psychologist; the intention is to help her overcome her phobia, an intense fear of cars. Unexpected events find her in a nightmarish situation where her worst fears come true.