Plagued by debts, New Yorkers Brad (Tim Allen) and Caroline (Kirstie Alley) Sexton continue to live the high life while maintaining the deception of wealth. But then real estate developer Brad learns his accountant has balanced the books in his own favor, appropriated $5 million, and flown to South America -- after first devising a set-up in which only Brad and Caroline would be blamed by the IRS. With IRS agent Derek Lester (Larry Miller) on their tail, the Sextons escape from New York. They arrive at the Amish community of Intercourse, Pennsylvania, where they pose as the Missouri relatives of farmer Samuel Yoder (Jay O. Sanders). It's the perfect hiding place, but it requires Brad and Caroline to suppress their previous sophisticated lifestyle, as they attempt to adopt Amish attitudes and customs.