Griffin is helping Hilton fix the bathroom door when Wendy arrives very upset and looking for Pauline, her godmother. Before she leaves Hilton has given her $45 to help pay her overdue phone bill. Later Pauline learns that Wendy is in debt for over $15,000, and she's determined to teach Wendy some fiscal responsibility, and she tells Hilton it will be a long time before he sees any of his money. Hilton goes to the bank and learns that not only has his bank has merged with another bank, but also that the computers are down and he can't withdraw any money. After a long, frustrating wait, Hilton uses the ATM machine outside the bank, and, instead of the $50 he requested, the machine gives him $11,000. Hilton is tempted to take the money and run. When Ruthie comes home, Hilton expects a compliment for fixing the door, but instead she discovers a huge scratch that Griffin has made in the wall. When Ruthie learns about Wendy and all her debts, she says she'll forgive the scratch in the wall