Finn and Tess, a recently divorced couple, are both passionate about treasure hunting. Finn is a charming but bumbling treasure seeker who discovers a crucial clue to the whereabouts of the legendary Queen's Dowry, a massive treasure lost at sea in 1715. Meanwhile, Tess has moved on and taken a job on a mega-yacht owned by the wealthy Nigel Honeycutt. Finn's newfound clue reignites his obsession with the treasure, and he convinces Nigel and Tess to join him on a treasure hunt. Skeptical but intrigued, Nigel agrees to fund the expedition.

As they embark on the high-stakes adventure, they must navigate a tapestry of challenges, including dangerous waters, other treasure hunters, and old adversaries. Finn and Tess's complicated relationship adds tension and humor to the journey, while Nigel's naive enthusiasm and wealth provide the resources they need. Throughout the quest, the trio's loyalty and courage are tested, leading to unexpected twists, alliances, and betrayals. Ultimately, their pursuit becomes not just about finding treasure but also about rediscovering what truly matters in life.