Not sure what to say about this episode...just not that good.
First off, can't Phoebe just have a good normal relationship?? I'm not sure what was dumber about that plotline, maybe it was Ross's offensive comment where he implied Phoebe wasn't "normal" enough to get married, or that she was only just finding out about her boyfriend's desire to never marry again right when they were set to move in together.
The Chandler/Monica plotline was even worse. They took a realistic plotline about money troubles and turned it into something completely wacko. Chandler is so unaware about his wife, that he really beleives she is borrowing money to get her breasts done? And Monica makes this huge leap based on Chandler telling her he likes the way she looks that he doesn't want children? I just get annoyed with plotlines on this show that could easily be solved if the characters actually just spoke to each other for a moment.