After holiday fireworks and a barbecue, Matthew goes to bed worried about fire safety and finds himself joining the Midnight Fire Department in his dreams.
Matthew's daytime Monopoly game and his worries about money set the stage for a zany midnight bank adventure involving money trees, robbers, and dreams of being rich.
When Jessica finally manages to open the locket her grandmother left her, she finds something to help her family, just as her dream told her she would.
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