The plot of the film is set in New York and deals with Charlie Lang (played by Nicolas Cage), hard-working and honest policeman. One day he finds himself unable to give usual tip to the young waitress Yvonne Biasi (played by Bridget Fonda) and instead promises to tip her with half of the winnings from the lottery ticket he has just bought. When Charlie's ticket number gets drawn up, he wins 4 million US$. Nevertheless he feels bound by his promise and decides to tip waitress with half of his winning. His honourable gesture would help impoverished Yvonne, but Charlie's loud, obnoxious and greedy wife Muriel (played by Rosie Perez) doesn't share her husband's views and wants money for herself instead for charity. As rift between spouses widens, Charlie and Yvonne soon discover that they are made for each other.

Screenwriter Jane Anderson seems to like bizarre stories about ordinary people, at least judging by her work on THE POSITIVELY TRUE ADVENTURES OF ALLEGED TEXAS CHEERLEADER- MURDERING MOM, one of the best films based on real life stories. In the case of IT COULD HAPPEN TO YOU the story was pure fiction and the magic was gone. Instead we got the story that went overboard in a desperate attempt to flood the viewers with good feelings. The result is film that looks less like a fairytale and more like a Hollywood "high concept" product. Rosie Perez has put a lot of effort in making her obnoxious character memorable, and Bridget Fonda made her character charming, but that was all in vain. The plot was predictable, black-and-white characterisation was annoying, dialogue was weak and, finally, direction by Andrew Bergman turned this potentially interesting comedy into something overlong, dull and forgettable. Hollywood can make films that make this world a better place and inspire real life to do the same, but this didn't happen to IT COULD HAPPEN TO YOU.