When her brother breaks the news he's lost all her buffer, Tracy finds herself in a tough situation financially. All the baby stuff are just too expensive and the odds of getting a raise at her job aren't good. Her mother decides then to set her up with Jeff, a guy she dated years ago who now is doing very well on the dog shampoo business. The only thing is Tracy doesn't like the guy, but has second thoughts about him when he proposes to help her raise the child. Charlotte is the one who has to bring her back to the ground and open her eyes to see she can't do that to herself or the child, so Tracy turns down Jeff's offer.