Struggling actress Cyd (Lauper) is working as a mermaid at a Miami hotel lounge when her horse trainer boyfriend Woody is suddenly murdered by a psycho thug (Belzer). Turns out he's after a key hidden in a necklace now in Cyd's possession. Cyd goes on the run and gets some help from failed golf pro Jack (Keith) as they try to stay one step ahead of the killer and discover what the key unlocks.