To remedy Nate's subpar birthday celebrations, Martin lets Nate borrow his credit card with rules that may have been "open to interpretation". After a day of limitless fun, Nate and his friends must pay off their debt.

When Nate is paired with Jenny on a school project, he hopes to prove his awesomeness to her, but his catphobia threatens to destroy his cool. Meanwhile, Ellen sets out to cure Martin of a deeply ingrained phobia of his own.

Nate gets his first pimple. In a quick turn of events, his blemish is deemed lucky and he blesses P.S. 38 with his zit until one by one, his clients luck turns sour. Meanwhile,Dee Dee gets the theatre teacher of her dreams.

While buying romance novels for a heartbroken Ellen, Nate discovers they are total cash cows. Under a penname, he writes a best-selling graphic novel using the people in his life as inspiration until it catches up to him.