John rejects Charlie’s plan to rob the money train to pay off the debt. When they and Grace are assigned to patrol the money train, Charlie discovers a grate in the train’s floor and a maintenance ladder leading to Central Park. A brawl breaks out between John and another officer, quickly involving the entire squad. Again blaming the brothers and accusing them of taking some of the money, Patterson continues to berate them even after realizing a collection agent miscounted. Charlie tells John the best time to rob the money train would be New Year's Eve, due to looser security and the year’s highest proceeds: up to $4,000,000 that night.