The book is structured around a story of three people in their late 20s visiting Roy, the title character, for lessons in financial planning.

Subsequent chapters discuss wills and life insurance, RRSPs, buying a home, income tax and saving and spending.

Cathy is already rich but relates to the audience members who don't necessarily understand the market and how it works, thus do not generally invest their earnings.

Roy, the barber, poses as the financial expert who has become wealthy simply by being wary of his money and intelligently spending, saving and investing it.

The book is divided into 54 short chapters, dispensing advice on miscellaneous topics in savings and investments, with a particular focus on avoiding reckless spending behaviour.