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Al has finally saved up a lot of cash to buy his family a ton of presents they want this year. Unfortunately, a mob of late customers in the shoe store prevents him from getting to the bank and retrieving the money he needs.
Newly unemployed Steve decides he doesn't really want to work, so he fritters away his days with the Bundys, visiting zoos and taking fishing trips. The strain this puts on Steve's relationship with Marcy who ends up going out with Al to a local bar where they swap stories about their failing marriages. But the conversation between Al and Marcy reaches its peak when Marcy has to decide whether to use the $25,000 reward she earned by foiling a bank robbery, sustaining a gunshot wound in the process, to buy a new car or to bail out Steve, who has been arrested for "rescuing" Bosco the tortoise from the local zoo.
His guardian angel decides pay Al a visit and shows him what life is like without him born. The Jablonskys are a perfect family and The Rhoades are more like the Bundys except without Al.