Murph the Surf and the Speedboat

Murph the surf, a 48-year-old surfer from Florida, is on a nighttime boat ride with his friends. They are robbing waterfront Miami mansions just one after the other. Murph swims across Biscayne Bay to escape police and hands back stolen jewels. A couple of days later, they come back to him with 12 grand - he's now a jewel thief.