Irresponsible 'adult' Mary fails to realize how deep she's sinking, but both parents and siblings piece together from various sources she's about to hit rock-bottom and wants to help, but how? Eric can barely keep Annie from intervening directly before they know everything. As even Simon is near-broke and Matt can't keep up pretending he's a lawyer, the kids decide to 'borrow' enough from the twins' full piggy-banks to advance her all due debts. But creditors seeing cash convince her to 'refinance' over longer, which means even more interest.