Mr. Dawes Senior and his directors try to convince the children to deposit their tuppence in the bank when Michael says he would like to use it to feed the birds. This musical number explains banking concepts such as interest and depicts the tactics of banks.

Mr. Johnson from the Bank of Central Victoria talks to students about the importance of saving for key expenses and retirement. He writes out the compound interest formula to explain why they would have $727,000 in 25 years if they save 50 cents per week with the bank and the interest doubles their investment every 3 years.

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.

Homer withdraws his life savings from his bank account and invests it in 500 shares of Animotion, Inc. His hope is that he'll get rich when the share price skyrockets. The stock makes steady gains but then plummets, and Homer is upset.

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