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该书是《金家孩子学理财》系列丛书（共二十册）中的第十二册。本书既可以作为本系列的一部分来阅读，又可以独立成书。在本书里，小天学会了从他的投资获得收益的概念。金乐乐和金小米学习如何了储蓄。他们同时也懂得了，当一个人获得收益的时候，是有另外一个人来付相等的成本。
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