At a local bar, Charlie reveals a plan to rob the money train in order to pay off their debts, but John, judging the caper impossible, rejects the idea. Later that night, the two brothers and Grace are assigned to patrol the money train. As Charlie discovers a grate in the floor and a ladder leading to Central Park, a brawl breaks out between John and another officer, quickly involving the entire squad. Patterson again blames the two for the incident and also accuses them of taking some train money, but even after it is found that a collection agent miscounted, Patterson continues to insult them. At the bar, Charlie tells John that the best time to rob the money train would be on New Year's Eve because of looser subway security and because the subway makes the most money on that date: up to $500,000. The plan involves entering the train through the metal grate when the train has stopped, driving it to the maintenance ladder, and escaping into Central Park. John remains reluctant to attempt the theft.
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