While reviewing their monthly expenses, Monica and Chandler discover that their situation is less than stellar. This results in Monica asking Joey to lend her some money without telling Chandler. When Chandler eventually finds out, Joey comes up with a lie that Monica needs the money for breast enhancement procedure. Meanwhile, Phoebe gets really excited as she and Mike decide to move in together, but her excitement quickly dissipates once she discovers that Mike doesn't see himself getting married ever again. Also, Rachel's attempt to baby-proof the apartment tampers with a frustrated Joey's sanity.