Cathy, eager to try on a carefree, impulsive persona, drains her 401K, buys a convertible and imagines what life would be like if she were Dr. Todd's girlfriend. At his therapist's urging, Paul reignites his passion for rugby. Sean goes to great lengths to knock out a tooth without the help of a dentist. Meanwhile, Adam gets caught stealing and is surprised when Marlene comes to his rescue, until he finds out there are strings attached.

Cathy meets someone new to feel sexy again. Meanwhile, Cathy's eccentric brother Sean tries to keep his building and Adam is caught while watching pornography.

Cathy is inspired by Lee’s passing to ring in the New Year in an unexpected way; burdened by financial issues, Paul tries a new tactic with the insurance agency; Adam makes a surprising connection with Dr. Todd.