Is Masterminds Based on a True Story? Masterminds Ending Explained, Plot, Cast, Where to Watch, and Trailer

Masterminds

"Masterminds" is a 2016 American crime comedy film that takes inspiration from the real-life Loomis Fargo robbery that occurred in October 1997 in North Carolina. Directed by Jared Hess and written by Chris Bowman, Hubbel Palmer, and Emily Spivey, the movie features a star-studded cast including Zach Galifianakis, Owen Wilson, Kristen Wiig, Kate McKinnon, Leslie Jones, and Jason Sudeikis.

The story revolves around a bizarre and humorous heist, with Galifianakis playing the lead character. The film premiered in Los Angeles on September 26, 2016, and hit theaters across the United States on September 30, 2016, distributed by Relativity Studios.

The movie's comedic elements are heightened by the performances of the talented cast, and it offers a lighthearted take on real-life crime. "Masterminds" is an entertaining blend of crime and comedy, bringing a unique perspective to the genre with its quirky characters and humorous narrative.

Is Masterminds Based on a True Story?

Yes, "Masterminds" is based on a true story that unfolded in October 1997 in Charlotte, North Carolina. The film stars Zach Galifianakis, Kristen Wiig, Owen Wilson, and Jason Sudeikis, portraying characters involved in one of the largest cash heists in history. The real-life events involved David Scott Ghantt, Kelly Campbell, and Steve Chambers robbing the Loomis Fargo vault.

However, their imperfect crime included leaving behind millions, being caught on camera, and drawing FBI attention due to extravagant spending. Eventually, they were captured, found guilty, and received various sentences. While the movie likely embellishes some details, it keeps the real names and captures the outrageous essence of the true story.

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Masterminds Ending Explained

In the conclusion of "Masterminds," the film wraps up with several key developments. David Scott Ghantt, played by Zach Galifianakis, serves seven years in prison, while Steve Eugene "Steve" Chambers, portrayed by Owen Wilson, faces an eleven-year sentence. Despite the successful heist, approximately $2 million remains unaccounted for.

Upon David's release, Michael Aaron "Mike" McKinney (Jason Sudeikis) meets him, and they set out to visit Kelly Campbell (Kristen Wiig). This ending emphasizes the enduring camaraderie formed during the chaotic events. The film cleverly incorporates humor even in these concluding moments, with McKinney and David driving together to meet Kelly, reinforcing the unexpected friendship that emerged between them.

The unresolved missing money adds a touch of mystery to the conclusion, leaving a lingering question for the audience. The characters' fates, a mix of justice and imprisonment, reflect the consequences of their actions, albeit with a comedic touch. Overall, the ending of "Masterminds" combines elements of closure, camaraderie, and humor, providing a unique and entertaining resolution to the crime comedy narrative.

Masterminds Plot

"Masterminds" follows the wild and comedic tale of the 1997 Loomis Fargo robbery in Jacksonville. After security guard Philip Noel Johnson, along with Steve Eugene Chambers and Kelly Campbell, steals $18.8 million, they recruit Loomis armored car driver David Scott Ghantt for an inside job. The team, led by Steve, awkwardly prepares for the heist, and David loads the cash into their van, taking a cover name, "Michael McKinney," and fleeing to Mexico with $20,000.

As the FBI investigates, David becomes the prime suspect, unaware of Steve's involvement. Steve, planning to betray David, is conflicted when Kelly opposes the idea. In Mexico, David narrowly escapes Interpol and discovers Steve's identity. Steve hires a hitman, McKinney, to eliminate David, but the plan backfires, leading to an unexpected alliance between David and McKinney. With Steve trying to kill David, a tense situation unfolds.

David threatens to expose himself to Interpol unless Steve wires $6 million. Meanwhile, Kelly faces danger, and David teams up with McKinney to save her. The climax occurs at Steve's mansion, where David tricks him into confessing, leading to prison sentences for both, but some money remains unaccounted for. The film ends with David's release, McKinney picking him up, and the two visiting Kelly, wrapping up this quirky crime comedy with a mix of heist, humor, and unexpected friendships.

Masterminds Cast

Masterminds Trailer

Masterminds Where to Watch?

"Masterminds" is available for streaming on various platforms, including Google Play, Amazon, Netflix, and Vudu. You can rent or purchase the movie on these platforms to enjoy the comedic crime story. Released in 2016, the film is directed by Jared Hess and stars Zach Galifianakis, Kristen Wiig, and Owen Wilson.

It's based on the real-life 1997 Loomis Fargo robbery and follows the quirky and humorous escapades of a group of individuals involved in the heist. With a mix of crime and comedy, "Masterminds" offers an entertaining and lighthearted cinematic experience for viewers.

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