An infant is discovered one night on a commuter train from New York City during a stop in the sleepy town of Wallingford, Connecticut. The local police are summoned, but are unable to locate the boy’s parents, despite painstakingly questioning each person on the train. For some strange reason, none of the passengers can remember seeing his mother falling from the train – after falling victim to an assassin’s bullet. Assigned the name “Toby Gold” by social services, the mysterious child grows up in Wallingford, moving from foster home to foster home, not knowing who his real parents are - or why he was born with such freakish skills with math and money. Now a teenager, Toby’s money skills are noticed by the wrong people, and thus he is unwittingly sucked into a high-stakes financial conspiracy that puts his life, and the lives of his two closest friends, in great peril. Ultimately, Toby solves the crime, saves his friends, and even saves his school using only his amazing money skills – and some chocolate pudding.