John McClane is now almost a full-blown alcoholic and is suspended from the NYPD. But when a bomb goes off in the Bonwit Teller Department Store the police go insane trying to figure out whats going on. Soon, a man named Simon calls and asks for McClane. Simon tells Inspector Walter Cobb that McClane is going to play a game called "Simon Says". He says that McClane is going to do the tasks he assigns him. If not, hell blow off another bomb. With the help of a Harlem electrician, John McClane must race all over New York trying to figure out the frustrating puzzles that the crafty terrorist gives him. But when a bomb goes off in a subway station right by the Federal Reserve (the biggest gold storage in the world) things start to get heated up.

Rich but sick millionnarie Edwina Cutwater feels her untimely death coming up. She never could enjoy life, as she was either in a wheelchair or in bed, so she decided to take a chance: Prahka Lasa, a Tibetan master of meditation, should transfer her soul into the body of Terry Hoskins, whose soul therefore will become one with the universe. Accidentally, her soul is transferred into the body of her unliked lawyer Roger Cobb, whose soul remains in his body. Now, Edwina has control about the right half of Roger's body, his soul about only the left half. They struggle together to get her soul into the right body, but not without having some conflicts between themselves to solve.