Doug and Deacon are driving behind the car that Kelly and Carrie are in when Doug accidentally rear-ends Kelly's car. Doug and Carrie want to personally pay for the damage in order to leave the insurance company out of it. When Deacon and Kelly give them an estimate of $1200 Doug and Carrie are irritated. Even though he was driving, Doug tries to blame Deacon for the accident because he told Doug to take a look at a Strip Club as they passed by. What started out as a fun dinner out with friends, turns in to an arguement over each other's cheapness.
Meanwhile, Spence is babysitting for Deacon and Kelly, and goes from being the "Spencinator" to the "Scaredinator" when Kirby finds out that Spence is allergic to peanuts.