Ruby is starting third grade, and she can't wait! She'll get to join fun clubs, learn cursive, and play in the orchestra. But there's one big change Ruby Lu isn't expecting: Her father loses his job. Now he's taking care of her and Oscar while her mother works, and it's definitely not all fun and games, especially with money so tight. So Ruby, determined and resourceful as ever, sets out to make a million dollars! And though she soon learns that making money isn't easy, she also discovers that having a loving family is the most valuable thing of all.