Phoebe asks her boyfriend, Mike (recurring guest star Paul Rudd), to move in with her, but coming so close to married life might cause trouble in their relationship. Meanwhile, since Monica and Chandler are financially unstable, she secretly asks Joey for a large loan. But when the unsuspecting Chandler also approaches his pal for some cash, Joey accidentally betrays Monica's confidence and tries to recover with an outrageous story. Also, Rachel's efforts to make the apartment safe for her baby make Joey crazy.
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