Ryder decides he wants to invest in stock, and turns to Joe for advice. But Joe is adamant that Ryder's stock pick is a bad idea and decides to show him how risky investing can be by not buying it. But when the stock turns out to be a winner, Joe scrambles to hide the truth from Ryder. Meanwhile, Mel is smitten with her new boyfriend Sam, who happens to be Haskell's father, but must keep her happiness under wraps when Lennox and Haskell break up.

Mel is anxious about her mother Monica's first visit in years. But when Joe tries to help smooth over their relationship, he gives Monica some advice that infuriates Mel. Meanwhile, when Lennox tries to get out of gym class, her teacher assumes she's pregnant.