The movie stars Neo, Mark Lee and Henry Thia as three close and best friends who start a car polishing business together to resolve their financial problems.

[2] Chew Wah Keong, a spendthrift white-collar worker; Ah Ong, a general contractor; and Liang Chao Hui, a kopi tiam waiter are three close and best friends.

After an argument with his boss, Keong quits his job but is unable to get another due to his poor command of English, lack of academic qualifications and computer illiteracy.

Ong and Hui ask to cash out their shares so they can pay the loan sharks and medical bills respectively, but all their money has already been spent on equipment and other business running costs.

At the wake of Hui's mother, which raises ten thousand dollars of bai jin (contributions toward funeral expenses), the loan sharks turn up, pursue Ong and are arrested after a lengthy police chase.

[4] He wrote a screenplay about expatriates in the advertising agency (which was later featured in the 2002 film I Not Stupid) but decided that the concept would not appeal to most Singaporeans, so he thought of writing a story about Ah Bengs (uneducated Chinese men, an example being noticed in the popular Singaporean local sitcom known as Phua Chu Kang Pte Ltd, where the titular character Phua Chu Kang (Gurmit Singh) was an example of an Ah Beng, and a general contractor and white-collar worker as well, just like Lee's and Neo's character Ong and Keong in this film respectively.

Phua Chu Kang was also later mentioned by Ben (Hossan Leong) in the 2002 film I Not Stupid whilst talking about the use of Singlish), drawing on the humble backgrounds of Lee, Thia and himself.

[15] Francis Dass of the New Straits Times wrote that Money No Enough was "spot-on" and "funny", but criticised the "clichéd script and the director's penchant for melodrama".