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.

Jack and Diane are tired of being twins, and after much pleading, Dre and Bow give in to letting them explore their lives as individuals. Meanwhile, Dre buys Zoey her first car, and she is over the moon. But when he shares the news at work, his colleagues bring up all the terrible things teens do with cars, and Dre starts to question whether Zoey is ready for one after all.