When Frank starts showing a keen interest in Ray's work, walking around in a cheery mood and not being his usual grumpy self, everyone questions the radical change in behavior. While Debra suggests that it may be because he's getting older, and Marie is convinced he has a "chippy" on the side, Ray uncovers the real reason behind Frank's transformation is he's been betting with the inside information Ray's giving him.

Upon drafting their wills, Ray and Debra must decide who would make the best guardians for their children, but their choice doesn't meet with everyone's approval.