Vetinari isn't talking about wages, of course. He's referring, rather, to the Royal Mint of Ankh-Morpork, a venerable institution that has run for centuries on the hereditary employment of the Men of the Sheds and their loyal outworkers, who do make money in their spare time. Unfortunately, it costs more than a penny to make a penny, so the whole process seems somewhat counterintuitive.

Next door, at the Royal Bank, the Glooper, an "analogy machine", has scientifically established that one never has quite as much money at the end of the week as one thinks one should, and the bank's chairman, one elderly Topsy (née Turvy) Lavish, keeps two loaded crossbows at her desk. Oh, and the chief clerk is probably a vampire.

But before Moist has time to fully consider Vetinari's question, fate answers it for him. Now he's not only making money, but enemies too; he's got to spring a prisoner from jail, break into his own bank vault, stop the new manager from licking his face, and, above all, find out where all the gold has gone: otherwise, his life in banking, while very exciting, is going to be really, really short.