The twins heed an uncle's birthday advice to "seize the day" by skipping school and flying to Chicago for a hip-hop concert instead of celebrating with their parents, but a series of misfortunes turns their dream day into a nightmare - especially when Lisa and Ray uncover the truth.

Tia and Tamera find their upcoming SATs a little intimidating, so they hire a tutor to help them prepare, and are shocked when young T.J. Henderson arrives at their door. Meanwhile, Lisa accidentally breaks a gift that Vivica gave Ray.

After Tia and Tyreke tire of Tamera tagging along on their dates, they decide to find her a boyfriend. Meanwhile, Lisa is asked to eulogize a woman she disliked.

The girls are given a credit card for emergencies but when a real crisis develops, Tia learns that Tamera let her friends max out the card at the mall.