When Didi realizes that her irresponsible boy-friend isn't going to show up for her birthday, Annie O'Donnell uses a $100 off coupon and a virgin visa card with a $400 limit that she was saving for her honeymoon to treat Didi to a glamorous night at the Plaza Hotel. While the two girls attempt to live like queens on a serf budget, Roger and Elliot do some male bonding and discover that when it comes to women, they don't have anything in common.

Annie has a bad cold, so what she really needs is rest, but what she gets is locked out of her apartment, as well as a request to check on a neighbor whose friends fear may be dead. Annie's flu forces her to try to spend a quiet day at home alone, but her apartment turns into Grand Central Terminal when each of her friends has a crisis and comes to her for advice. Annie's day is anything but restful when Elliot asks her to critique his latest short story, Roger finds a mole on his neck and thinks he is dying, and Didi has an emotional breakdown when Jim cancels a date.