The title characters in Masterminds do not have an elaborate scheme that they spent hours upon hours perfecting. They barely have a plan. David (Zach Galifianakis) and Kelly (Kristen Wiig) are drivers for an armored car company, who—inspired by another theft—realize there’s basically nothing standing between them and millions of dollars. It’s a slapstick take on the real 1997 Loomis Fargo robbery and was apparently made with the help of actual vault supervisor/”mastermind” David Ghantt—although you’d never guess it, because the central joke is “look, these must be the most idiotic criminals of all time.”
The movie opens with what appears to be security footage of attempted robberies gone wrong: would-be thieves shooting themselves in the foot and staggering around with cumbersome disguises. Most of the movie revolves around how dumb the robbers are, but it’s also set in North Carolina, so you get plenty of jokes about Southern hicks, including a truck with a door made from a sheet of plywood.