In the serene suburbs of Connecticut, George Needleman (Eugene Levy), a meticulous CFO at Lockwise Industries, grapples with the ups and downs of family life alongside his second wife Kate (Denise Richards), his mother Barbara (Doris Roberts), and his two children, Cindy (Danielle Campbell) and Howie (Devan Leos). With a promise to attend Howie’s Saturday baseball game after finishing some work, George’s plans take a tumultuous turn when he arrives at Lockwise to find absolute chaos—his colleagues in a frenzy shredding documents. His boss Walter (Tom Arnold) drops a shocking revelation: the entire enterprise is a Ponzi scheme run by the infamous Malone crime family, casting George in the spotlight as the scapegoat for the illicit dealings.

Simultaneously, in Atlanta, Brian Simmons (Tyler Perry) and his superior Lucas (Jeff Joslin) methodically investigate the Malone family’s criminal activities. They soon realize that their best chance of dismantling this criminal empire lies with George Needleman. Under the scrutiny of the FBI, George and his family are whisked into witness protection, relocated to a safe haven provided by none other than Madea (Tyler Perry) at her home in Georgia.

In a parallel storyline, Jake Nelson (Romeo Miller), burdened by his troubled past, finds himself in conflict with Madea while scheming to retrieve money he invested in Lockwise Industries without his father’s approval. His reckless heist falters against Madea’s formidable resolve, as Jake is motivated by the need to recover church funds his elderly father (John Amos) entrusted to him, which were lost to the Malone scheme.

The initial meeting between the Needlemans and Madea is fraught with tension, as Madea’s timely intervention manages to keep their arrival under wraps from their inquisitive neighbor Hattie (Marla Gibbs). As days go by, Madea’s presence helps fortify the relationships among Kate, Cindy, and the rest of the family, while Joe aids George in embracing his feelings and boosting his self-assurance. Barbara, on the other hand, displays a puzzling mix of contempt towards her imagined servant “Sadie,” while simultaneously rekindling affection for Joe, her former lover and George’s biological father, revealing the complexities of family dynamics layered with socio-cultural ties.

A stirring sermon from Pastor Nelson catalyzes George to sift through his company’s financial records, leading him to discover a hidden trail of where 10% of the embezzled funds had been secretly funneled. Drawing inspiration from Whoopi Goldberg’s character Oda Mae Brown in Ghost, George devises a plan to redirect the misappropriated money back to the twelve charities harmed by the Ponzi scheme.

To fulfill this plan, George adopts a French alter ego to avoid detection by the Malone mob. Alongside Jake and Madea—who now masquerades as an upper-class woman named “Precious Jackson”—they venture into New York City. There, “Precious” must meet bank manager Jack Goldenberg (Frank Brennan) to oversee the transfer of funds from the tainted accounts to legitimate charities. However, their scheme faces hurdles when Brian, cautioned by legal implications, warns George against proceeding.

While navigating the bustling city, Madea excels in her role, cleverly extending her fictitious identity by posing as the eldest Jackson sister. By the conclusion of their escapade, the dust begins to settle, and Brian reveals a game-changing piece of news: George’s collaboration with law enforcement and the successful restitution of the charity funds have earned him substantial leverage, persuading the authorities to dismiss charges against him and pressuring Walter and others to testify against the Malone crime family.

As Kate reflects on their challenging experience, she notes that it has inadvertently drawn them closer as a family. In their farewell from Madea’s home, Cindy and Howie eagerly express their wish to return, but Madea and Joe politely decline with warm but firm responses.

Before heading back to New York, the Needlemans pay one last visit to Pastor Nelson’s church. As Jake and the pastor set fire to the mortgage documents, the congregation erupts in joyful celebration, symbolizing the triumphant payoff of their debts and the Needlemans’ ecstatic revelry amid heartfelt spirituals. Meanwhile, Madea watches from her porch, enveloped by her newfound prosperity and enjoying the soulful melodies that resonate through the community.