Curtis' womanizing friend Jimmy, who sponges off women, charms Claretha. Meanwhile C.J. has to deal with an all too grateful woman after saving her life - much to the amusement of his fellow firefighters.
Jazmine reveals her fear of visiting the dentist when she develops a painful toothache. Meanwhile, Calvin is devastated once he receives the news that Tracie wants to see other people and end their relationship.
Blue, Janine's former drug dealer, demands that he receives the money that she owes him or he will threaten to harm the family. Meanwhile, another bully at Malik's school starts to harass him. But he finds Curtis' gun in the closet and soon believes that he's found the answer to his problem.
Curtis and Ella's niece comes to town for a scholarship interview, but her appearance and attitude hurt her chances of getting it. Aunt Ella and Janine help her work the judges, but it's them that end up learning a lesson. Meanwhile, Bart's obnoxious nephew hangs out at the firehouse and challenges Malik to a firefighter battle
Ella heads to the hospital after a lump is found in her breast. She confides in Janine but hides it from the rest of the family. Meanwhile, another crisis develops when Calvin witnesses a neighborhood crime, and is urged to go under witness protection
Calvin finds out that he's graduating from college and tells everyone and later learns that the school made a mistake. Meanwhile, Ella must keep Janine's secret to herself, but not telling anyone about Janine being pregnancy is harder than she thought.
Malik's best pal, Kevin, is injured in a hit-and-run accident, while staying at the Payne residence. Malik struggles with the possibility of losing his best friend. Meanwhile, Calvin scores a job at a most unusual place, and Curtis is instantly the happiest man on the planet. But Calvin's old ways get the best of him causing him to get fired from his new position.
When $50,000 is found in CJ's truck, a moral dilemma about what to do with the cash begins tearing the Paynes apart. Of course, Curtis wants it as payment for housing CJ's family, but the Paynes can always rely on Ella to lead them to do the right thing.
After The Babershop Crew discovers a secret, CJ corners Tanya about her appearance in a racy music video. In other events, the FBI keeps a hard eye on a Payne neighbor and seeks to use the Payne house as a stakeout post, which draws the attention of Claretha.