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Frank Moses (Bruce Willis) is retired. He lives on a quiet street in Ohio where all the houses look the same, and where all his neighbors say hello and make sure that their garbage cans line up perfectly with the curb. On the surface everything is idyllic, but in reality he is bored as hell. The only pleasure he gets in life are the regular phone calls to Sarah (Mary-Louise Parker), who answers the phone at the pension office. Frank rips up his checks and pretends they didn’t arrive so he has an excuse to talk to her. Both are lonely individuals who rely on their truncated conversations to brighten up their respective days.