Bill loans a co-worker (Chris Elliott) $300 to buy a big-screen TV without realizing the guy has a reputation for not repaying debts, which is worrisome considering Judy needs money to replace a broken hot-water heater. Carl: David Koechner.

Judy is sick and tired of being regarded as the family disciplinarian, while Bill gets to be the fun parent by letting the kids break the rules. To remedy the situation, she adopts a rather carefree attitude, which throws everyone for a loop.