On a snowy day outside of a few office buildings, Frosty was talking to his buddy William, about how he wanted to make an investment. During their conversation, a guy named Jack came about, he said "I hear you would like to make an investment, how would you like to make an investment in my bond, you and your buddy here? It will be the best decision you ever made." But sadly, William was not convinced and said no, but then Frosty thought it would be a good idea since money was very scarce, so he then agreed to invest with Jack.

"I got a bad feeling about this," said William. "Oh calm down I know what I'm doing I'll prove it to ya, now come on." Said Frosty. And with that William followed behind Frosty as Frosty followed Jack into the building.

Frosty wasn't as smart a guy when it comes to bonds. "Do you know what a bond even is?" Asked William. "Well sure I do, its when you get money and the money you get builds value." Frosty said. "No Frosty, bonds are loans of money that you have to pay back by a certain time." William said. William kept trying to explain the way things work but Frosty just would not listen.

Frosty needed the money and told his friend that he was becoming a real drag, William still stuck around. Frosty thought the investment was secure, so he took the big risk and did made the investment with Jack. William decided to keep all of his money to himself since he wasn't sure if he could pay all the bonds back in time, even though stocks are more riskier than bonds.

By investing in the bonds, Frost risks the fall and damage of his credit. Frost never listened to Will when he told him not to trust Jack and he thought it would be a bad idea to invest in bonds. As time went on, it got closer to Frost paying Jack back.