When unemployed trumpet player Joey can't pay his gambling debts, he begs his older brother for a thousand-dollar loan. Roc refuses to come to the rescue, even though Joey promises to change. As a test, Roc gets Joey a legitimate job with the sanitation department, and promises to pay the debt if Joey can keep the job for two weeks.

Arguing the Emersons need a larger home, Joey suggests that they attend a bank auction that is selling homes with defaulted mortgages at bargain prices.