Fry experiences the effects of compound interest on his savings. He started with 93 cents in his bank account 1,000 years ago, and it has had an average 2.25% interest rate over the 1,000 years. Fry learns that he is now a billionaire.

Raymond attempts to manage the family budget but ends up with overdraft fees and multiple bounced checks. He asks Andy for advice, and Andy tells him how to reconcile his checkbook. Ray still doesn't seem to understand, so Andy suggests showing Debra the checkbook. Ray decides to create a fake checkbook to prove to Debra that he is capable of budgeting.

Debra explains budgeting to Raymond when he asks her to pay for his magazine subscription.

Cliff teaches Theo about all the expenses that come with day-to-day life.

The song shows how the money you deposit in a bank earns interest or the money you borrow gains interest.