Fred noted that he wasn't well off enough to retire should Howard end the show in three years, and Benjy agreed, saying he would have to try to get a job writing for a different show. Howard told the crew about some investment techniques that they should pursue, and King of all Blacks called up to agree. Howard added that he didn't understand why the crew wasn't more interested in financial planning and "living like a turtle."
Robin and Artie told Howard that they liked enjoying their lives, but Howard replied that living for today was not the way to a miserable, yet financially secure, future. Howard felt there was "benefit in the struggle," the importance of which he has tried to teach his daughters. Howard said he'd have to see how it all plays out (and if his guilt stands up) in three years, so Benjy speculated that Howard wouldn't be able give it all up and would just switch to doing an afternoon show.