The Paynes picks up where Curtis and Ella Payne have decided to take the next step in their lives—retirement. A death in the family has the whole family traveling to Sun Coast, Florida, to attend the funeral of Curtis' Uncle Robert. Their trip takes an unexpected turn when Ella and Curtis get roped into a real estate deal, landing them in a new community with a new church and unfamiliar family members. The family is thrown straight back into the issues that viewers find in their everyday lives. As life lessons abound, Ella finds a new business, new home and new purpose.