Flashback to 2 years earlier where Jessica is screaming that Ron is a fucking doctor and saves lives. He reminds her that he's a dermatologist and that they went to school with Ron. He's a turd. Jessica says that he loves her, but Ray says he loves her too. That's not enough. She puts a planter of tulips in the back of her minivan and Ray tells her to put them back, but she says they're her fucking bulbs. He asks her if she's leaving because Ron's rich and she asks him if she thinks she's that shallow. Pause. Well, maybe she is that shallow, but she's deep enough to admit her shallowness. She's only shallow because she chooses to be shallow. I can buy that. She says, perhaps to herself, that she was a beauty queen and made the most cliché choice by marrying Ray. She gets into the minivan where Lotte is in the passenger's seat. She says that, in high school, Ray was beautiful, athletic, smart, popular, and hung. Now, he's only hung. You talk like that in front of your mother? She drives away with tulip leaves hanging out of the back of the van.
We're back in the flashback as opposed to the flashbackback. Ray struggles to ask Jessica for a loan. After she delivers drinks to some of her guests, she asks Ray if he has spoken to his insurance claims adjuster. Well, there was a mix-up. As in, he let his insurance lapse. Ronnie approaches and offers his sympathy regarding Ray's house. Ray plays it cool. Then, Ronnie suggests that Ray have a mole removed from his neck, free of charge. Still doesn't seem like a bad guy. After Ronnie is gone, Ray continues his plea. He adds that Koontz is trying to get him to sell his place. Jess thinks that's a great idea. He says that he's not selling his childhood home. His back is against the wall and he wouldn't ask for help if it were just him, but he's got the kids to think about. She corrects him -- she's got the kids. For good. He says they'll come back to him because he's fun and relaxed and she's uptight. Way to ask for a loan, Ray. She reminds him that he almost got them killed. So, he tells her to forget it. Dumb Ray. He gets back into his SUV, crestfallen. He looks like he's about to pray, but he doesn't. He sees a flier in his newspaper that advertises a seminar for getting rich.