Martin finds his bar mitzvah bonds in a closet and suddenly has extra cash. Toby encourages him to invest $5,000 in a fledgling business she is setting up offering stock tips over the phone, 555-TIPS. The business goes terribly, until a wrong number mistakes it for an S&M phone-sex chat line and stays on for hours. Seeing where the real money is, Toby employs the services of her family – Gina, Angie – in order to cover the phones.