Three Way (2004)
Lew is a small time loser with a troubled past and a very big secret. Overhearing a couple plan a kidnapping, Lew is tempted to come up with a scheme of his own. He decides to get to the victim first and then blackmail the real criminals. His plan soon spins out of control. adultery, based on novel or book, wife, jewelry, kidnapping, yacht, blackmail, love, murder, neo-noir