The Moyas and the Vendely-Salgados face the decision of planning for their own family's future or sharing the money, even though they have very different views and lifestyles.

Robert and Lucy Owens discover secrets about each other's finances while they face repaying huge student loans, and the Aponte-Kassimatis family is in danger of losing the home they need to restore for a second time following damage from a storm.

The Matas from Boyle Heights, Calif. and The Melansons from Huningham, Mass. face a difficult decision when they see similarities within each other's families and must decide whether to invest the money in their own children and homes or share with the other family.

A Texas family whose Christian faith has guided them through tough financial times consider how a large sum of money could impact their lives; at the same time, a lesbian couple who took on the responsibility of two children in need are presented with an opportunity to make their dream of having their own baby come true.

A Maryland couple are up against the hefty cost of adoption, while a family based in North Carolina deal with being apart for half the year while dad works a fishing job in Florida.

Emotions run high when the Bergin Family from Matthews, N.C. and the Bronson Family from Manchester, N.H. are presented with a life-changing amount of money and a huge decision - to keep, give or share it with the other family. Initially, they think their choice will be straightforward, but after learning about each other lives, they realize it is much more complicated.