长江和迷糊是电台主持人，一天迷糊找长江借 30 万，说是有急事。长江碰巧没钱，但是有人欠长江 30 万，二人经过商量后，开始要账之旅。路上遇到了等待结账回家的农民工小刘，一场误会后三人结队，小刘带着他们去找欠债的包工头。没想到包工头没钱反而耍横，于是长江找来了自己社会上的大哥，教训了包工头，本以为到嘴的鸭子飞不了了，不曾想包工头真没钱，于是带着他们一起去找另一个欠他钱的人。到了地方，看到欠钱的人在这里胡吃海喝，包工头压不住心中的怒火，冲上去就打，一顿混打之后，从老板口中得知，真正的大老板是吴总，只有他能支付得起所有人的费用，被逼无奈，他带着大家去了最后的终极 boss 家，这时迷糊接了一个电话，与长江确定了地方，便匆匆离开。大家到了门口与保安争执后，见到了欠钱大亨吴总。吴总温文尔雅，咬文嚼字，就是不给钱，还用枪吓唬农民工，农民工说自己孩子有病，家里也需要这些钱过年，可吴总就是不听，还讽刺农民工。农民工被逼无奈，以死相逼，扣动扳机才发现是打火机，吴总骑虎难下，只得掏出手机打电话要钱，弄巧成拙，欠钱的人正是迷糊，迷糊并不知道长江他们去的就是吴总公司，故骗吴总说自己在澳洲，一两天就回来。短暂离开后，迷糊到了吴总公司，一看旁边的长江等人，再一看吴总，傻了眼。吴总说迷糊才是真正的欠债的人，农民工就把锋头转向了迷糊，说他跟吴总是一伙的，设计了计谋假装帮他。这时长江站出来问迷糊，这才揭示了事情的真相。原来迷糊一年前背着家里匿名资助了一个白血病患者，而这个孩子正好是农民工的小孩，农民工急忙跪谢，被迷糊扶起来。现在马上就进入最后的治疗，资金却短缺了。于是才向长江借钱。了解到这种情况，吴总给大家都结了钱，迷糊的钱也不用还了，算到了吴总成立的慈善基金里，孩子也通过电台宣传，得到了社会各界人士的捐助。农民工也坐上了回家的班车。一封长长地感谢信在收音机中读起，经过大起大落的人们，又开始了新的生活。
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