The friends get their first credit cards, and each of them happily takes cash advances. Ron uses his money to invest in risky online trading. When Lloyd sees how successful Ron is, he spends his on the stock as well. They Celebrate their newfound wealth and buy expensive luxuries--until the stock dips, and they lose money. Furious at Ron, Lloyd resorts to begging his grandmother and performing Shakespeare for donations. Marshall borrows cash from the credit card company but merely relishes carrying it around and looking at it.