Grove Press
Grove Press
Grove Press

Finders Keepers

The Story of a Man Who Found $1 Million

by Mark Bowden

“A very good [book] . . . a miniature serio-comedy about life in the city.” –Jonathan Yardly, Washington Post

  • Imprint Grove Paperback
  • Page Count 224
  • Publication Date October 21, 2003
  • ISBN-13 978-0-8021-4021-0
  • Dimensions 5.5" x 8.25"
  • US List Price $13.00

About The Book

What would you do if you found a million dollars?

Joey Coyle was down and out–the affable, boyish South Philadelphian hadn’t found dock work in months, he was living with his ailing mother, and he was fighting a drug habit and what seemed like a lifetime of bouncing into and out of bad luck. One morning, though, while cruising the streets just blocks from his home, fate took a turn worthy of Hollywood when he spotted a curious yellow tub he thought might make a good toolbox. It contained $1.2 million in unmarked bills–casino money that had just fallen off the back of an armored truck.

Told in riveting, novelistic detail by “a master of narrative journalism” (New York Times Book Review), Mark Bowden’s Finders Keepers is the incredible true story of a tight-knit working-class community suddenly steeped in intrigue. Even before news of the missing money exploded across the headlines, Detective Pat Laurenzi, with the help of the FBI, was working around the clock to track it down. Joey Coyle, meanwhile, was off on a bungling, swashbuckling misadventure, sharing his windfall with everyone from his girlfriend to total strangers to the two neighborhood kids who drove him past it (and whose parents were beginning to wonder where their car had disappeared to). To hide the money, Joey turned to the local mob boss–a shadowy, fearsome man who may or may not have helped launder it. But as adrenaline-filled nights began taking their toll, Joey Coyle’s dream-come-true evolved into a nightmare: Whom could he trust? With an entire city on the hunt, for how long could he continue to hide? And was he prepared to live his life in constant fear of being caught, maybe even killed?

By one of our most evocative and versatile chroniclers of American life, Finders Keepers is not only a gripping true-life thriller, it is the remarkable tale of an ordinary man faced with an extraordinary dilemma, and the fascinating reactions–from complicity to concern to betrayal–of the friends, family, and neighbors to whom he turns.


“A brisk, sad story. . . . [As Bowden] accurately reports, South Philly is a close-knit clump of ethnic neighborhoods.” –Anthony Day, The Los Angeles Times

“A very good [book] . . . a miniature serio-comedy about life in the city.” –Jonathan Yardly, Washington Post

“Masterfully reported and artfully paced, Finders Keepers abounds with colorific detail. . . . Bowden seamlessly re-creates the short spending spree day by day in Finders Keepers, as a frenzied Coyle, often in a drug-induced panic, attempts to stave off the impending greed of his friends, his enemies, and himself. . . . Bowden’s sympathetic treatment brings out Coyle’s charming endurance, and the story’s ending is unexpectedly moving.” –Brian M. Raftery, Entertainment Weekly

“A taut, fast-paced tale with larger meaning. . . . The myths described so well by Bowden . . . point the way to some disturbing deeper truths about [Joey] Coyle’s caper. . . . Perhaps the deepest meaning in Joey Coyle’s story is the changing idea of the American Dream.” –Daniel J. Kornstein, The Baltimore Sun

“Bowden’s writing is razor-sharp; you come away from his fast-paced narrative convinced he understands Joey better than he’s willing to admit. Perhaps we all do.” –Elaine Margolin, San Francisco Chronicle

“Not only does Bowden do a bang-up job relating the raw facts, he plunges headlong into the ethical quicksand that can swallow people confronted by large sums of cash. Astoundingly, even the public reacted to Coyle’s larcenous behavior with a shrug and a wink. . . . His eventual fate is a sadly logical conclusion to this modern-day fable of self-destruction, greed and moral vacuity.” –Donna Marchetti, The Cleveland Plain Dealer

“Rich. . . . Finders Keepers is not your standard adventure tale, but it has the same kind of edge and steam-rolling pacing as the rest of that genre. . . . A classic story line, and Bowden makes the most of it.” –National Geographic Adventure

“In an era when Enron, WorldCom and Global Crossing pensions immorally disappear faster than Qwest CEO Joe Nacchio, you find yourself cheering for Joey Coyle, the urban folklore hero of Finders Keepers. . . . [Bowden’s] prolific use of dialogue–short, snappy sentences with a South Philly accent–keep the story lively and moving along in this quick read, perfect for an airline trip. . . . Bowden also paints scenes that leave you chuckling.”
–Lynn Bronikowski, Rocky Mountain News

Finders Keepers retains the rumpled charm and snappy pace of good beat reporting. . . . Bowden has delivered a story of parable-like clarity and timelessness.” –Paul Collins, Oregonian

“[Bowden] presents Joey Coyle’s story sympathetically, but without whitewashing the facts.” –L.D. Meagher, CNN.com

“Funny, sad and exasperating.” –Jim Clark, Columbus Dispatch

“A master at pacing, putting the reader right alongside Joey, feeling the same spped-induced high as he makes dumb and dumber decisions. . . . Most of all, Mr. Bowden leaves the reader pondering the most obvious question on each page: What would you do?” –Todd Wills, Dallas Morning News

“[A] fast reading account of a fool and his money. Bowden keeps a low and nonjudgmental profile but doles out his account like a good storyteller. It’s testament to his solid narrative that even long after the sad sack Coyle loses his charm, his story maintains our interest.” –The Tampa Tribune

“An interesting crime story. . . . [Finders Keepers] does such a good job documenting human nature, both generous and selfish.” –James Hart, The Kansas City Star“An amazing-but-true tale. . . . In fiction Coyle would wind up on a tropical isle, but the real tragicomic ending is still compelling, if only because it happened to some other schmuck.” –Laurina Gibbs, Maxim

“[This] mesmerizing–and tragic–fable is a worst-case illustration of “Be careful what you wish for.”” –Details

“An interesting portrait of a desperate man who learns that a $1.2 million windfall–one that literally fell off a truck–wasn’t the answer to his prayers.” –Mark Skoneki, Orlando Sentinel

“An interesting crime story. . . . [Finders Keepers] does such a good job documenting human nature, both generous and selfish.” –James Hart, The Kansas City Star

“Provocative. . . .A sobering lesson about the dark side of human nature. . . . Bowden has a knack for finding that peculiar, little told news story and turning it into a full-blown narrative that makes the literary world sit up and take notice.” –Mark Davis, The Daytona Beach News-Journal

“[Bowden] documents both the story and its characters with clarity and riveting suspense. . . . [Finders Keepers] reflects true reporting at its very best.” –Larry Cox, The Tucson Citizen

“Coyle’s ultimately tragic tale provides a fine showcase for Bowden’s talents as a storyteller.” –Kevin Greenberg, Book

“A stark journalistic account of this thoroughly unlikely chain of events–a story that takes on the air of a The Three Stooges episode, though the comedy of errors aspect is leavened by Coyle’s annoying, delusionary belief that the money should be his by some cockamamie fatalistic fiat. . . . Bowden’s spare reportorial style makes for a quick, compelling read and a solid entry in the true-crime genre.” –Martin Brady, Bookpage

“Bowden’s quick and intense story is like a joyride in print.” –Rachel Collins, Library Journal

“Bowden’s narrative is succinct and fast-moving, spare but complete . . . A satisfying [tale], smartly told.” –Publishers Weekly



Joey Coyle was crashing. He had been high all night, and coming down from the meth always made him feel desperate and confused. When he was cranked up the drug gave him gusts of energy so great that his lungs and brain fought to keep pace. That was how he felt at night. When he slept it was usually during the day.

Today there would be little sleep because he had used up his whole stash. No stash and, as usual, no money. It had been almost a month since the union had called to give him work on the docks. He made good money as a longshoreman. It was where his father had worked and where his older brother worked. Joey had never finished high school but he had an educated feel for machinery. On the docks they used him to repair the lifts, and he was good at it. He took pride in that. Engine grease colored gray the heavy calluses on his hands. But for more than a year the economy had been bad in Philadelphia and there had been few chances to work.

They had called him to fill in for a few weeks over the Christmas holidays, but there had been nothing since. So the desperation kicked in at sunrise. Where would he find the next fix?

The empty hours weighed on Joey. He was twenty-eight and he still lived in his mother’s house. He was devoted to his mom. His father had died of a heart attack on a night after Joey had stormed out following an argument. The old man hadn’t liked the length of Joey’s hair. His last words to his son were spoken in anger, and Joey believed he had killed him. Eight years had passed and the guilt he felt was undiminished. Looking after his mother had helped, staying with her, but she had fallen ill with liver disease and she needed care he couldn’t give, or couldn’t be relied upon to give. She had moved just a few blocks away to his sister Ellen’s apartment. Joey took it as another defeat. He felt like he had let his mother down, but also that she had let him down. She had left. He felt rejected and a failure, but would not have put those words on the feelings because Joey was not the type to look inside himself to figure out how and why he felt the way he did. He just kept moving. Meth helped with that. Most people called it speed. Joey called it “blow.” It blew away all the demons of self-doubt and depression. In the months since his mother left his days blurred into nights in a speeding carousel of exhilarating highs and then crushing lows. Then would come the accelerating frantic urge to find money to buy more, to fire himself up again.

His home on Front Street was at the tattered edge of the tight matrix of South Philly’s streets. To the west was the neighborhood’s strong, nurturing core, its churches, schools, markets, and corner restaurants and bars. It was the oldest part of the city, low houses in row after brick row, most of them just two stories high. Kinship was sewn tightly in its even blocks. Brothers lived across narrow streets from brothers, fathers from sons and nephews and grandsons. In the narrow alleys folks would grin at the way they could sometimes see in the awkward way a boy ran or squinted or threw a ball the reflected image of his grandfather or great-uncle. When a man from South Philly said he knew a fellow “from the neighborhood,” it meant something more like family than an acquaintance. South Philly was Catholic. It was proud and superstitious, pragmatic and devout.

The world had changed around South Philly. The jobs that had built it were mostly gone. It cohered like a fine-spun rug, its loyalties and affections knit tougher than the forces that would wear it down. It was a shelter against change, the future. Out Joey’s back door, to the east, was a vision of the unforgiving world outside its boundaries, a wasteland, a vast expanse of weedy, trash-piled lots, junkyards, old brick warehouses defaced with graffiti, the discarded remnants of a once thriving port and manufacturing giant. Rusting hulks of old boxcars crouched in forlorn rows alongside the newer cars that occasionally came and went, moving between the fenced-in lots around the trucking yards and dwindling industrial works along the Delaware River waterfront. Over this bleak expanse the air was tinged gray and tasted of ash. Just behind the row of houses on Joey’s block loomed the hulking concrete underside of Interstate 95, which cast a perpetual shadow wider than a city block.

When Joey was a little boy he would leave the comfortable nest of his neighborhood to play in the wasteland. He would pass through the cool shadow of the interstate, with its incessant traffic overhead roaring like an angry god. He would search out clusters of rat holes, pour gasoline down them, and set them on fire. He would leave one hole dry, then sit a few yards away from it to shoot at the fleeing rats with a bow and arrow. When he was older, he and his friends stealthily passed TV sets from loaded boxcars to waiting arms, then ran to trade the loot for money to buy grass and beer. For a boy, and then a young man, the wasteland was a haven, a place to escape all the friendly watching eyes of the neighborhood. It was wild, exciting, and even dangerous. Once older bullies had knocked him around and hung him by his thumbs. So long as you had your friends to help you down and you could come back every night to your mom and dad, your house, your block, the world outside was mostly a thrill. But now it just loomed.

Unlike his old friends, Joey had not outgrown those years. The death of his father, the decline of the shipyards, his growing dependency on the drug–it all conspired to prolong his childhood. Born in a different age, Joey might have lived his life happily along a well-worn path, to work after high school, marriage, children, grandfatherhood, and gone to his eternal rest in Holy Cross Cemetery. But the jobs were gone. Most of Joey’s friends had gone to school and learned skills and found work elsewhere, but Joey couldn’t adapt. He lacked the patience to sit still in school and to read a book. He had to be moving, doing. That’s why he liked working on the docks, where he could learn on his feet, using his hands. Without the work, he was just stuck.

Still, despite his demons, he was feckless and fun loving in a way that endeared him to those who loved him. His complexion was pale pink, his hair so thin and blond you could hardly make out the mustache he had been growing for five years or the eyebrows over his small, deep-set pale blue eyes. Joey spoke in a gruff whisper that often turned into laughter. He had the generosity of a child who doesn’t yet understand the value of things. If Joey was in the mood, he would give you anything, even things that didn’t belong to him. It was easy to like him, but also easy to be frustrated by him, because you couldn’t count on Joey for anything. His word was as insubstantial as the breath it took to give it.

Trouble was immune to Joey’s charm; it sought him out and when it stayed away he went looking for it. Like the time his car stalled and blocked a street. Now, blocking streets is a time-honored privilege in South Philly, a way the locals assert turf. With cars parked on both sides of a narrow street, there was often only one lane to work with. But it was understood that passage on these streets was at the pleasure of those who lived there. If somebody from down the street wanted to stop his car and have a chat with a neighbor on a stoop, well, traffic behind him could just wait. If you had groceries to take into the house, you stopped your car on the street in front of your door and delivered the goods. The day Joey’s car stalled, he got out to take a look under the hood. A man in a car trapped behind him, clearly ignorant of neighborhood protocol, disputed the blockade. Joey grew indignant, and in the ensuing brawl the stranger drew a savage slice across the left side of Joey’s face. It had healed into a crooked gray scar from eye to earlobe. There was nothing funny about that scar but Joey would tell the story in a way that would make you laugh, about how he finally got the man down just in time for the fuzz to arrive and spot him as the aggressor–which earned him another, official, beating. But bad luck just seemed to bounce off Joey. He would laugh and laugh even though the joke was on him. With bitter irony he would call it the luck of the Irish; he even had the word “Irish” tattooed on his upper right arm with a pipe and shamrock and shillelagh. His neck and chest and arms were broad and thick, and his hands seemed oversized, so swollen from all the times he had broken them working on engines that it was hard for him to close them into a fist. He looked tough, especially with that scar, and he had a swagger that went along with it, but he was always more of a danger to himself than to anyone else. Speed had muddied his mind so that sometimes he couldn’t think straight for more than a few sentences. His front teeth had all been knocked out and replaced by a row of fakes. When he removed them his face caved in like an old man’s. He had the look of someone who had been knocked down a lot on hard streets, yet he had a smile that wouldn’t quit.

He would need that resilience for the joke fate would play on him this day.