The Opportunists (2000)

When crime is all you know, you've got to take what you can.

Vic is a struggling auto mechanic with a safe-cracking past and a lot of debt. His girlfriend runs a bar and offers to loan him the money she's saved for remodeling, but Vic is reluctant to take it. When a long-lost cousin from Ireland shows up on his doorstep, the two team up for one last heist.