Toby Gold is a seventh grader in Wallingford, Connecticut who has always known that he is good with money but has no idea how good until he discovers a dangerous hidden society of money and intrigue that co-exists with the everyday world we all know. He stumbles upon this dark financial world one day when he discovers secret messages encrypted into the stock ticker crawl that moves along the bottom of the screen on the financial news channel. Toby's shock only grows worse when he realizes that the secret messages are directed to him His unique abilities with math and money have been noticed by the wrong people, and Toby is quickly sucked into a high-stakes life or death financial conspiracy that he is only able to resolve by using his amazing skills with money. This action-packed urban fantasy introduces readers to many financial literacy concepts, including saving, investing, banking, entrepreneurship, time value of money and basic financial statements.