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 didn't understand that buying on credit means she needed to establish credit in the community first. When she went shopping, she realized that unfortunately they did not know her and nor did they trust her.

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.