Dave puts the kids on a strict allowance, since they're always asking him for money. Vicky supports him on this... that is, until she, too, is put on a budget and is unable to buy the Prada boots she's always wanted. Meanwhile, after spending all his allowance money on the first day at Medieval Times, Larry asks Mike to loan him some money. And, in order to earn some extra money, Hillary starts an escort service for the nerdy boys at school.

After a car accident, Dave and Vicky decide to look over their living wills again, and ask their friends Jeff and Mindy to become their children's legal guardians should anything happen to them. They can't accept due to already doing the same thing for their other friends, so disagreements between Dave and Vicky start up, causing a huge fight. Larry thinks they may be getting a divorce, so he, Mike, and Hillary come up with a plan to get them back together.