Chandler's (Matthew Perry) friends have issues with his smoking habit, which has resurfaced after a traumatic experience. Monica's new boyfriend, Alan (Geoffrey Lower), is popular with everyone -- except Monica (Courteney Cox). And try as she might, Phoebe (Lisa Kudrow) can't divest herself of a huge amount of excess money (actually two huge amounts) that she doesn't feel she deserves. ("What is up with this universe?") A certain urban legend figures largely in this episode. ~ Hal Erickson, Rovi