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Here, maybe this will make more sense. I have eight pennies. I ask you for four more. I say forget it. You're the one with a steady paycheck. Just give me four pennies. Good. How much money do I have now? Investments and all? No, just here on the table. Eight cents. No, eight plus four is twelve. See? Count them up. But those four are MINE!
Dad tries to show Calvin. He has eight pennies and asks for four more. Calvin tells him he's the one with the steady paycheck. Dad tells him to give him four pennies and asks how much he has now. Calvin asks about investments and all. Dad only cares about the money on the table. Calvin replies eight cents. Dad tells him eight plus four is twelve. Calvin protests those four pennies are his.