Buck Adams, who in this film starts off being married to arguably the richest woman in New York, is seduced by Danielle, his wife's best friend. Their opening love scene is scorching — including an oral segment that will drive you wild. But while they're lying there nude and exhilarated, Adams' wife walks into the room and catches them with their pants down. "Felicia, it's not what you think," Adams says in a perfectly timed hilarious manner that sends Down and Out in New York City off to a great start.

Unfortunately, Adams is off to start being a bum, having been kicked out by his wife, until Annette Heinz picks him up and takes him home. Her guru (a part played with great humor and energy by Joey Santini) instructs her to care for someone less fortunate than she. She gives him room and board, and he helps everyone enjoy sex more. This is one of Buck's better roles, perhaps his best.

Down and Out in New York City is quite enjoyable because it provides a good blend of humor and sex. Without variety, the sex scenes are very exciting. Brother (sister) can you spare a dime? How about the cost of seeing Down and Out in New York City? Do it. It's no bum steer.