After a month of heavy spending, Dre and Bow start to question if they are living too large. Dre's crazy accountant, James Brown, has always been their go-to money guy, but when the topic of finances gets brought up at work, Mr. Stevens refers Dre to his more straight-laced accountant for a second opinion. Dre and Bow realize they need to be more financially responsible and try to prove to each other that they can live without their outrageous expenses. Meanwhile, the kids overhear their parents talking about money and Junior decides to start day trading.

When Dre and Bow realize they don't have a legal guardian for their kids, they make it their mission to find replacement parents should anything happen to them. Meanwhile, Zoey and Junior reveal the truth to Jack about their old dog's death and other family secrets he naively accepted.