Buffy comes up with the plan of burning the house to the ground and collecting insurance. She is just kidding, but no one laughs. Anya suggests she starts charging for slaying. Dawn starts disagreeing with Anya, and asks Xander to help out. Anya ends up storming out because Xander didn't side with her. She is still upset that Xander has not announced their engagement. Xander tells her he wants things to be just right, and they start to make up but Anya is still upset, and storms off again.

Buffy is in the bank trying to get a loan. The loan officer turns her down. Meanwhile, mercenary demons come in and rob the place. Buffy starts fighting them, but they get away. She saves the officer's life, and he refuses to pay her. At the magic box, Willow is outraged that the bank refused to help her, even after she fought the demons. Buffy is hitting her punching bag, and Willow realizes she is really mad, and Willow is happy to see her show emotion. She tries to make Buffy madder but it doesn't work. Anya is trying to talk Xander into announcing the engagement. Tara and Dawn are researching demons. Buffy and Willow come in from the back of the shop. The demons are M'Bashnick. Giles walks into the magic shop, and Buffy goes to him to hug him. Buffy is hugging Giles too tight.

The head M'Bashnick demon is walking the streets. Giles is in the back talking to Buffy. Giles describes his coming back as bewildering. Buffy is trying to make a joke, but Giles doesn't think it's funny. Giles goes back in to let Buffy train by herself. Anya welcomes him and tells him he can't take the shop back. In another part of town, the demon is looking for the head of the slayer as a reward for robbing the bank. The demon was hired by three geek guys to rob the bank, and now the head demon wants his reward.

Buffy is preparing the couch for Giles. She mentions that she is broke. Giles offers to help her work it out. He reaches out to comfort her, and she gets up and walks away. Back to the other part of town, the geeky guys are talking about Buffy, and whether they should give her up or not. They remember their original plan to take over Sunnydale. One of the guys secretly hands the demon Buffy's address to go after her.

Willow comes into the kitchen and Giles asks her to tell him about the spell. He calls her stupid, and starts lecturing her about the forces she conjured for the spell. Giles said that she was lucky to be alive, considering the kinds of magics she used. Willow threatens Giles, but apologizes. Giles still doesn't know where Buffy came from and isn't sure that she is ok. Buffy is outside, overhearing their conversation. Spike comes up to talk to her, and they both sit down. (Spike and Buffy hitting it off?)

Dawn gets up in the middle of the night, and offers Giles cereal. Someone is trying to get in, and it's the demon. He hits dawn, and hits Giles. Buffy grabs him and starts fighting with him. Buffy is trying not to break anything in the house. Spike tries to help grab the demon and Buffy takes him into the kitchen. She asks Spike to open the basement door, and fights with the demon in the flooded basement. She ends up beating him with a pipe, repeatedly. Spike asks her if she knows her basement was flooded.

The geek squad is glad that they have tons of money, and they fulfilled. At Buffy's house, they are trying to repair the house. Xander declares the coffee table dead. Dawn and Willow decide the lamp is dust, too. Buffy doesn't think she can get through this whole money problem, and Giles convinces her she can. Then the phone rings. Buffy wonders who it is since everyone she knows lives at her house.

Buffy got off the phone and is walking to the door. She tells Giles that Angel called and needs to see her. Giles says she can go tomorrow or after they take care of some bills but Buffy refuses. She tells Giles she has to go now. She thanks him for taking care of Dawn and leaves.