Cheyenne and Matteo are discussing more things they’d like to buy if they were to win the lottery, but Sandra chimes in let them know about lump sum payments versus annuities. She explains how the two of them wouldn’t actually get the full amount if they take the lump sum payment and how they are forgetting that they’ll be required to pay taxes on the winnings.
After requesting a raise from the district manager, Amy now has to sit through a financial planning workshop with her boss and the other employees. The employees quickly point out that the budget Glenn is presenting doesn’t have line items for things like food, childcare, or healthcare. The clip ends with Glen suggesting that the employees seek government assistance to support their low income.
The employees are locked in the store after hours while hanging up signs, but Amy laments that she has more important things to do: she has a midterm to study for. Trying to be relatable, Jonah reminisces about his time in college: getting drunk and having philosophical debates. It begs the question of how much human capital accumulation actually occurs and provides some support for the signaling model. Amy is treating college like an investment, so she resents Jonah’s downplaying of its importance.
Bo and Cheyenne are shopping for wedding supplies in the store. Bo really wants to buy some laptops so they can smash them during the wedding as a form of entertainment. Amy is shocked because she knows how expensive it is to raise a child and believes that the couple should be saving the money instead of spending it on one day. Amy tricks Bo into playing a game with a price gun so that Bo and Cheyenne can see how expensive a child can be. People struggle to recognize the opportunity costs in their decisions, but Amy has made the cost more salient.
Jonah has convinced Adam to buy a new grill and a new TV, but he didn’t know that Adam was married to Amy. Part of the reason he convinced Adam to purchase these items was so that his team could win the Color Wars and Amy could get a $100 bonus. While Amy and Adam are fighting, we learn that Adam is a serial entrepreneur and Amy invests in her human capital.
This scene is a good example of the tradeoffs associated with investing in human capital and physical capital. Adam wants to invest the money to support his business ideas, but Amy believes that investing in her college classes is better because it can lead to more money later.