Stan's dad wants him to learn the importance of saving money. He takes Stan to Southpark Bank to deposit the money into an account so it can grow. Unfortunately, the banker loses his money and other customers' money almost instantly. This clip can be a funny introduction to personal finance and banking.

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.

Oscar presents the fiscal year budget to Michael and states that they need to spend their surplus; otherwise, the surplus will be cut from the budget next year. Michael doesn't quite follow, so Oscar explains what a surplus is and uses a lemonade stand example to help him understand the concept.