‘Dumb Money’: Like ‘The Big Short’ but Funnier

Mark Jackson
Updated:
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Early in the mask-abundant, pandemic-freakout of 2021, you might have picked up on the skyrocketing stock price of GameStop, a faltering American video-game retailer.

Maybe you even cheered the Reddit users spurring on what became a semi-effective Occupy Wall Street populace movement, which managed to blindside Ivy-League-educated Wall Street pros: The little people (“Dumb Money” as Wall Street insiders derisively call them) managed to bilk beaucoup bucks off billionaires in the process.

It used to take a decade for a story like this enter the showbiz pipeline, but here we are just two years later, and Hollywood’s already slapped a highly serviceable and quite entertaining adaptation of this rather bizarre, true story, up on the big screen. Time is speeding up they say.

What Happened

So there’s this guy (Paul Dano) wearing a red headband, a sweatshirt with cats on it, he’s sipping beer, and he’s streaming stock market advice under the YouTube username of “Roaring Kitty” on YouTube, in his basement.
Keith Patrick Gill, aka "Roaring Kitty" (Paul Dano), in "Dumb Money." (Roadshow)
Keith Patrick Gill, aka "Roaring Kitty" (Paul Dano), in "Dumb Money." Roadshow

He’s a low-level securities broker with another username on Reddit, which is “Deep(the-Epoch-Times-cannot-say-the-following-word)Value.” His real name is Keith Patrick Gill, and he’s the one who initiated the now-legendary GameStop short-squeeze in January 2021.

Keith lives with his supportive wife Caroline (Shailene Woodley) and their baby in Brockton, Massachusetts. He’s close to his family, including his major slacker/pothead brother Kevin (Pete Davidson), a DoorDash delivery-boy who eats the customers fries whenever he feels like it, and hilariously thinks that particular job qualifies him as being a “first responder.” In classic little-brother fashion, he ribs big bro Keith constantly for being a finance-whiz/nerd who thinks he’s “Jimmy Buffet.”

Ne’er-do-well Kevin Gill (Pete Davidson, L) and his brother Keith Patrick Gill (Paul Dano), in "Dumb Money." (Roadshow)
Ne’er-do-well Kevin Gill (Pete Davidson, L) and his brother Keith Patrick Gill (Paul Dano), in "Dumb Money." Roadshow

Gill shared his personal financials, online, with his masses of loyal retail-trading followers—many of whom had been devastated by the 2008 market crash. His down-to-earth, passionate approach to investment banking, and the full transparency of his balance sheets begat him a very dedicated fan base.

He advises his fans to invest in GamesStop. “I like the stock,” he says. He then discloses that he’d bet $53,000 (his entire life savings) with his wife’s blessing. And then, like unto the blue-face-painted William Wallace in “Braveheart,” he urged them to “Hold… hoooldd… HOOOOLD!!!” the line—because this was their chance to teach Wall Street a lesson. His fans piled on, and the whole thing went viral.

Married couple Caroline Gill (Shailene Woodley) and husband Keith Patrick Gill, aka "Roaring Kitty" (Paul Dano), in "Dumb Money." (Roadshow)
Married couple Caroline Gill (Shailene Woodley) and husband Keith Patrick Gill, aka "Roaring Kitty" (Paul Dano), in "Dumb Money." Roadshow
This caused GameStop to soar from $17.25 to over $500 a share in a month. Which disrupted the market and flipped the financial world on its head. And all this was due to Gill and his fan’s tenacious embrace of the brick-and-mortar gaming merchandise retailer, that appeared to be—in the immortal words of the young Mike Tyson—“fading into Bolivian.”

Other Players

Citadel CEO Ken Griffin (Nick Offerman, L) and Hedge fund manager Gabe Plotkin (Seth Rogen) are in cahoots, in "Dumb Money." (Roadshow)
Citadel CEO Ken Griffin (Nick Offerman, L) and Hedge fund manager Gabe Plotkin (Seth Rogen) are in cahoots, in "Dumb Money." Roadshow

We meet some incredibly wealthy and incredibly smug Wall Street power players. Hedge fund manager Gabe Plotkin (Seth Rogen) appears onscreen along with a graphic telling us he’s worth $400 million.

Steven Cohen (Vincent D’Onofrio), in "Dumb Money." (Roadshow)
Steven Cohen (Vincent D’Onofrio), in "Dumb Money." Roadshow

Next up is Steven Cohen (Vincent D’Onofrio) worth $12 billion (he’s the guy who bought the New York Mets). And there’s Citadel CEO Ken Griffin (Nick Offerman): net worth—$16 billion. Sebastian Stan plays the co-CEO of investment app Robinhood, which becomes the biggest villain of the entire film.

Vlad Tenev, co-CEO of investment app Robinhood (Sebastian Stan), in "Dumb Money." (Roadshow)
Vlad Tenev, co-CEO of investment app Robinhood (Sebastian Stan), in "Dumb Money." Roadshow

Early in the narrative, these financial behemoths are initially bemused with the microbial money musings of Gill. However, their disdainful dismissal of him quickly segues to heart-palpitating panic as they observe millions, followed by actual billions—that they’ve bet against GameStop in the hope of the company’s failure—swirl down the toilet. As Gill holds the line and the stock refuses to come tumbling down, the financial powers that be will do anything to quash this online rebellion.

Nurse and single mom Jenny (America Ferrera) considers whether to hold or sell, in "Dumb Money." (Roadshow)
Nurse and single mom Jenny (America Ferrera) considers whether to hold or sell, in "Dumb Money." Roadshow

Here are the little people representing the dumb money: Jenny, a single mom and nurse (America Ferrera); two college students Riri (Myha’la Herrold) and Harmony (Talia Ryder) who are buried under student loan debt; and disgruntled GameStop store employee Marcus (Anthony Ramos). As Gill’s net worth springboards into the tens of millions, the little people are tasked with making life decisions about life-changing money. Some sell and make out like bandits; some wait too long.

GameStop store employee Marcus (Anthony Ramos) considers his options, in "Dumb Money." (Roadshow)
GameStop store employee Marcus (Anthony Ramos) considers his options, in "Dumb Money." Roadshow

Overall

“Dumb Money” is based on Ben Mezrich’s “The Anti-Social Network” and is highly entertaining and often very funny. Also inspiring, via a top-notch ensemble cast and the evergreen and perennially beloved vehicle of the David versus Goliath narrative.

The R-rating comes via much cursing and a soundtrack filled with hip-hop and rap lyrics that may singe your ears, not to mention a sampling of the party games kids now play at college—a reminder that we are currently, culturally, in a time equivalent to the short reign of Elagabalus, Rome’s hardest-partying emperor.

To the filmmaker’s credit, “Dumb Money” is entertaining first, and a financial lesson second. Director Craig Gillespie takes what could easily lead to financial befuddlement, and simplifies it into something easily accessible to all audiences. It’s a feel-good story about the smarter-than-you-thought, little pack of misfits who gamed a rigged system, via GameStop, and scored a touchdown for the little guy.

Movie poster for "Dumb Money." (Roadshow)
Movie poster for "Dumb Money." Roadshow
‘Dumb Money’ Director: Craig Gillespie Starring: Paul Dano, Pete Davidson, Vincent D’Onofrio, America Ferrera, Nick Offerman, Anthony Ramos, Sebastian Stan, Shailene Woodley, Seth Rogen MPAA Rating: PG-13 Running Time: 2 hours, 15 minutes Release Date: Sept. 15, 2023 Rating: 3.5 out of 5 stars
Mark Jackson
Mark Jackson
Film Critic
Mark Jackson is the chief film critic for The Epoch Times. In addition to the world’s number-one storytelling vehicle—film, he enjoys martial arts, weightlifting, motorcycles, vision questing, rock-climbing, qigong, oil painting, and human rights activism. Jackson earned a bachelor's degree in philosophy from Williams College, followed by a classical theater training, and has 20 years’ experience as a New York professional actor, working in theater, commercials, and television daytime dramas. He narrated The Epoch Times audiobook “How the Specter of Communism is Ruling Our World,” which is available on iTunes and Audible. Jackson is a Rotten Tomatoes-approved film critic.
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