Meg, Cal, and Dan chat about Clint being away on a family cruise and how onboard casinos and luxury shops can tempt people into spending money they don’t have. They swap Lotto strategies, including buying after a big jackpot win to reduce the chance of splitting, and Dan admits to once keeping a small syndicate win and skimming a weekly “buffer” from his flat bills account without guilt. The conversation turns to confrontation and fear of getting in trouble, then to personal humiliation stories: Dan got stuck naked up a tree until his friend’s dad rescued him, Cal accidentally joined a work Zoom with explicit porn as his virtual background, and Meg recalls twice failing to recognize people she knew and introducing herself to them.