Benjamin "Finn" Finnegan (Matthew McConaughey) is a beach bum with an interest in treasure hunts. He's also hardly responsible, which is why he sets his boat on fire and sinks it not too long after we meet him.
Tess Finnegan (Kate Hudson) has had enough. She's taken a job aboard millionaire Nigel Honeycutt's (Donald Sutherland) yacht. And she's divorcing Finn.
Finn's latest quest is the Queen's Dowry, a treasure lost almost 300 years ago. In fact, he's found a piece of it. Now all he needs is financial backing. His irresponsibility has left his last backer rather mad at him. So he decides to get Nigel's help, completely unaware that Nigel is Tess's new boss.
Unfortunately, the shipwreck is somewhere around the island owned by dangerous rapper Bigg Bunny (Kevin Hart). As in Finn's last investor. Can they find the treasure without Bigg getting his hands on it? Can Finn win Tess back in the process?
Let's be honest, this is mindless, predictable entertainment. Especially since the previews gave away many of the key scenes. But it is fun.
It's trying to be a action comedy. It had some laughs, but there weren't as many as I had hoped. The funniest scenes involved Nigel's daughter Gemma as played by Alexis Dziena. Anytime she was on screen, I was guaranteed a laugh. Most of the action in the film was played for laughs as well, and is over the top. Then again, what action movie isn't over the top? Even the exposition scene near the beginning that is key to understanding how Tess and Finn got started on this trail wasn't that great. I couldn't follow it, and I tried.
So why did I like it? Because of the characters. I really did care for all of them. Well, the good guys anyway. Credit for this obviously goes to the actors who are obviously having so much fun making the film. Frankly, they made it hard for me not to like it.
It may make me a fool, but I enjoyed this movie. You may not want to rush out and watch it, but if you get a chance, I bet you would enjoy it.