Kira owns a profitable hair and nail salon. She lives in a nice home in an exclusive community with her husband Ricky, an infamous, well-known drug dealer from the rough streets of D.C. He is also known to be one of the most feared men in the South. Because of Ricky's drug-empire, Kira finds herself in the most dangerous situation ever. Ricky forces Kira to believe that he's going to call on his reinforcements, so everything will end in his favor.

Picking up where the suspenseful Payback with Ya Life left off, we're plunged back into the hip-hop drama, where the men are hot and dangerous, the women know their shoes from their Choos, and they will stop at nothing to get what they want. In a game of power and intrigue where the stakes are high and the rewards are dazzling, the losers are gonna discover there's always a price to pay.