 Zack and Cody meet a new friend named Theo at the Tipton and find out that he is rich. When they go over to his house, Zack is amazed but Theo is mean to Cody. When Theo has 2 tickets to a Celtics game, he invites Zack to the game but not Cody. Cody wants Zack to come listen to his speech but Zack goes with Theo to a Black Eyed Peas concert. Theo wants Zack to record the concert and then Zack - realizing that Theo is using him - ditches him. Theo then asks for his stuff back so he gives him his stuff and he runs off wearing nothing but an undershirt and boxers. Meanwhile, Maddie and London do a parenting project.