To remedy Nate's subpar birthday celebrations, Martin lets Nate borrow his credit card with rules that may have been "open to interpretation." After a day of limitless fun, Nate and his friends must pay off their debt.

When Nate is paired with Jenny on a school project, he hopes to prove his awesomeness to her, but his cat phobia threatens to destroy his cool. Meanwhile, Ellen sets out to cure Martin of a deeply ingrained phobia of his own.