The Smiths' savings are gone, so Stan selfishly takes out a second mortgage and buys a racehorse so that he can save his SUV. Meanwhile, Steve and his friends try to help an obese shut-in to make some money.
When Francine demands that Stan get rid of his gas-guzzling SUV because it's draining the family of money, he hatches a plan with Roger at the local horse track to avoid giving up his ride. Meanwhile, it's up to Steve and his friends to help out an old friend.—FOX Publicity