It's the kind of evening where Gildersleeve wants to do nothing, but stay home. Will his lesson on concentration rub off on Leroy? Has anyone seen the book he had been reading? Aft3er driving himself too hard on the job, Gildy doesn't want to look at the household bills, only rest and relax with the newspaper. He shares his version of an ideal day with Marjorie.
The newspaper ad for financial investment has Gildy and Marjorie dreaming of travel. He only needs to wait another 15 years or so to enjoy the benefits of retired life. Heading off to Peavy's drugstore for a postage stamp, the old friend opens his store. How does Peavy feel about his future, or retiring? The old jokester nearly sends Gildy away in a huff.
Later, Gildy makes the rounds to Floyd the barber to offer advice on retirement and running his business. Judge Hooker arrives to get an earful of the retirement plans. The judge has his own financial plan. Barely coming up with the cost of his haircut, Gildy heads off to the bank where he discovers his accounts are in the red.
How has his expenses gotten so out of hand? Is it a bank error? Its it ever? Why hasn't Birdie been keeping tabs on expenses? Finally forced to review the shopping bill, Gildy tries to find any area where the family might cut back. Suddenly that retirement plan doesn't look so hot when a salesman comes to the door to sign him up.