There's a major house payment that's due so everyone tries to pull all the cash they have. But it still comes up short. Later Nell's ex-husband, who says his band plays on cruise ships, asks Nell to fill in for the band's singer. Nell initially refuses but upon learning about the payment and that what she'll be payed will enough for the payment reluctantly goes and brings Addy and Joey with her.
Upon learning that her ex-husband is remarried to a younger woman, Nell's voice goes out, jeopardizing her earning the money needed for the house payment. The ship's doctor tells her to relax but when she tries another stressful moment befalls her.
Nell goes to apply for a job. But the man she meets tells her that she's not what he's looking for. She assumes he's a bigot so she gets a lawyer who specializes in racial discrimination to confront him. But they find a lot of blacks working there. They find out that why he doesn't want to hire Nell.