Ruth must deal with a bunch of know-it-alls. Her husband Hilton ""knows"" that his community center boys' basketball team could beat her girls' team, and her star player Nikki ""knows"" that the game should be only about scoring the points. So when Ruth challenges Hilton to a boy/girl game, he has a lot to do to get his star players in shape, and Ruth must teach Nikki about teamwork. Hilton gets a lesson in what girls can do when WNBA ""New York Liberty"" team members Teresa Weatherspoon and Kym Hampton show-up at the gym for a clinic and run a couple of their finest plays.

It's April 15 and Hilton hasn't even started working on his taxes, a fact he wants to make sure Ruth doesn't discover. Ruth has other things on her mind, however -- she and Pauline have an appointment with Mr. Rollins of the SBA to obtain another loan for the Flower Café. At the Café, Erica has agreed to look after Jurnee, her friend's younger sister. A desperate Hilton arrives and asks Erica for help with his taxes, but she reminds him she's a lawyer, not an accountant. Meanwhile, Mr. Rollins, very negative and skeptical, says he needs to see Ruth's and Pauline's personal tax returns before they can proceed. Ruth calls Hilton for their tax information, and he promises to get everything to her in an hour. Erica sends Jurnee over to the house to watch TV, where it shortly becomes clear that the little girl knows more about doing taxes (her dad's an accountant) than Hilton. She gets the taxes wrapped up and over to Ruth, Pauline and Mr. Rollins, and Hilton is saved.

After Jurnee expresses her fondness for schoolmate Kevin and he retaliates by shoving her on the school playground, amateur psychologist Hilton explains his theory of how ""playground scarring"" can affect a woman for life. According to Hilton, when women are unable to trust, unable to commit, their problems can always be traced back to a bad playground experience when they were deeply humiliated by a boy they liked. To this day, Ruth has problems with trust because of a certain Kenneth P. Watson, who purposely teetered when he should have tottered, requiring a young Ruth to get stitches. When it comes to Jurnee, however, Hilton is determined not to have history repeat itself.

Del's new girlfriend Karen agonizes over a secret she's worried about sharing with him: the youth who passes as her kid brother is actually her son.

Griffin contemplates quitting the teaching profession when his first day as a substitute teacher is a disaster. The Lucases lend themselves out as mock students so that Griffin can practice his teaching techniques on them -- although their misguided attempt to help might just turn him off teaching forever.

After the Lucas home is burglarized, Hilton invests in a security system -- only to discover that the thief is someone he knows.

Jurnee is aghast when she finds out that her dad intends to date the ""meanest"" teacher at her school. Del is so troubled by Jurnee's reaction to his interest in Ms. Malone that he's ready to call off their date. But Hilton reminds him that almost every person can remember a teacher who was too strict, gave too much homework or expected too much of a student -- and usually ended up being the one who made the greatest impact on the student later in life.

When Hilton and Ruth hear that their ""little girl"" is getting married, they couldn't be happier for her, or themselves, since this would mean one less person in their crowded house. Erica's intentions, however, are for the newlyweds to remain in her parent's house indefinitely to save some money. Are Hilton's tears of joy or sorrow?