During a visit with Dr. Kroger, Monk learns that Kroger's son, Troy, has been skipping school and running with a troubled crowd. In fact, at that very moment Troy is skateboarding in a parking lot with his pals Ridley and Pez, and they’re about to get into a whole new kind of trouble. The boys come upon a dead man behind the wheel of a car, and the car's backseat is littered with empty bank bags from a recent robbery. There's no money to be found, but Troy comes across a hastily drawn map, and there's a big black “X” marking the spot where the boys assume the stolen money is hidden. The boys decide to try to find the money in lieu of telling the authorities, so they show up at Monk's house, figuring that the famous detective will be able to help them decipher the cryptic map...