Gordon confronts an owner for taking his staffs tips, and not paying them appropriately.

A man gives advice to a couple struggling with credit card debt. He suggests that they do not buy things if they don't have the money to pay for them.

Sisu wants to buy a gift but doesn't have any money. She learns about the concept of credit and takes it to the extreme, picking up everything she likes and saying she'll buy it on credit. What she doesn't understand is that she needs to establish credit in the community first. When she goes shopping, she realizes that, unfortunately, the townspeople do not know her and do not trust her, so they will not allow her to use credit to make purchases.

Oscar presents the fiscal year budget to Michael and states that they need to spend their surplus; otherwise, the surplus will be cut from the budget next year. Michael doesn't quite follow, so Oscar explains what a surplus is and uses a lemonade stand example to help him understand the concept.

Christian Woolf consults a couple on what to do about their dire financial situation. During the conversation, he learns that Rita Blackburn makes necklaces at home and sells them. Christian realizes that they can claim a home-based business and receive a tax deduction through the IRS' Home Office Deduction.