Who can honestly say they have not dreamed of traveling to the Caribbean and spending their days leisurely searching for sunken treasure? Just about everyone can say they have, and now with “Fool’s Gold” they can at least pretend to be treasure hunters for about an hour.

The movie follows Benjamin “Finn” Finnegan (Matthew McConaughey), a dumb-but-in-that-charming-sort-of-way hunky treasure hunter on the hunt for what else but treasure. Unfortunately, he is entangled in a messy divorce from his wife and fellow treasure hunter Tess (Kate Hudson), who wants to move back to Chicago and get her degree in an unspecified field. Currently, she works as a steward on a private yacht, owned by a certain Nigel Honeycutt (Donald Sutherland).

After Finn’s creditors try to kill him, he seeks a new line of credit with Honeycutt, much to the chagrin of Tess. Add into the mix Honeycutt’s shapely but buffoonish daughter Gemma (Alexis Dziena), a few rival treasure hunters and a homicidal rapper turned rum mogul, and you have a recipe for hilarity.

This movie is most certainly not going to be winning any awards or be noted for shaking things up in Hollywood. “Fool’s Gold” is pretty much a cookie cutter action-comedy fare. The conflict is set up early and remains consistent throughout the movie. The balance between action, comedy and suspense works well, and everything gets wrapped up nicely in the conclusion.

However, the movie gets off to a rough start, largely because of director Andy Tennant’s inability to take advantage of the natural chemistry between McConaughey and Hudson. While it does make an appearance in later scenes, the first 20 minutes is made a chore to watch by the absence of said chemistry.

There is also the issue of clothing, more specifically the lack thereof. Given that the main characters in this movie are unabashedly attractive, they consistently find new and creative ways to be in the most revealing outfits possible. This normally would not be a complaint, but when McConaughey finds a way to get out of his shirt in every single scene of the movie, it crosses the line from quirky to weird.

Honestly, this movie would not be worth seeing at all if it were not for the fact that every last one of the characters is fantastically stupid. This is pretty much standard procedure for McConaughey, who is pretty enough to get away with it.

Hudson’s character, despite being allegedly smart enough to go to college, comes across just as dim-witted. She is also very pretty, so that works for her. It is Dziena, however, who steals the show as the air-headed heiress. Her distinctly idiotic charm holds the movie together where it otherwise might have fallen to pieces.

“Fool’s Gold” is entertaining enough to merit a look if you happen to be in the mood for some mildly sexy fun. It has enough warm, fuzzy moments to make a decent date movie as well.

The movie works well as an action-comedy-thriller, but honestly, there are better cinematic options currently playing in all of those categories. Your best bet is to shop around before you settle for this.