Meet Janey Maguire and Ellen Mormon, two unlikely roomies that find themselves in a late-life financial crisisthat is until Ellen visits her friend in the hospital and happens to overhear a patient recounting her life as a dominatrix. Not wanting to be broke in their retirement, they hatch a plan to start their own cottage industry and make as much as possible. But along the way, self-realization rears its ugly head and chaos ensues.