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.

Dre’s sister, Rhonda, is getting married to her girlfriend, Sharon, and the upcoming nuptials lead to a conversation on tradition. Dre finds out that Bow is against the patriarchal convention of taking the man’s last name, but he never knew this because Bow’s maiden name is also Johnson. Meanwhile, Jack and Diane want to be the ring bearer and flower girl but worry they’ve aged out of the gigs, and Junior and Zoey prep Ruby to embrace her daughter’s relationshi.

Dre and Bow have a gender reveal party, and Dre is thrilled because it’s his turn to name the baby. He decides on a culturally significant name that Bow and Ruby aren’t a fan of. Meanwhile, Zoey’s plan to have an anti-Valentine’s Day with her friend Shelly is thwarted when Junior asks Shelly out on a date, so Diane tries to fill in as Zoey’s BFF.

Ruby gets scammed and Dre begins to suspect that she isn’t as sharp as she used to be, particularly because she was the one who used to scam other people. Zoey’s friend Aaron visits and Diane develops an instant crush on him.

Dre reluctantly helps Junior plan Pops’ 65th birthday party and starts to see his dad’s past in a new light. Meanwhile, Bow decides to say “yes” to everything for a whole year and Jack & Diane take advantage of her.

The Johnsons have a tradition of going to the movies on Christmas and they can never agree on what to see. Dre wants to see an important film about Rosa Parks, but they all want to see the latest action-packed superhero blockbuster. Meanwhile, Junior becomes embarrassed about taking a gap year after he runs into his ex-girlfriend Megan at the theater.

Dre’s sister Rhonda takes Jack and Diane to her part of town in a black neighborhood and claims the twins are scared of their own community. Dre and Rhonda take them to a local diner to show them why it’s so special. Meanwhile, Bow becomes the “office mom” at work, and Junior tries to help her break the label.