Zack borrows money from a guest named Maynard to play video games, but starts to fear him when he can't pay it back. Cody enters a spelling bee. London and Maddie help a homeless family.
A twins convention is being held at the Tipton Hotel. Zack ends up creating a double tarehe with twin sisters, for him and Cody. London and Maddie end up enjoying a evening with twin brothers.
A hotel guest trips on Zack's skateboard in the lobby. But when the boys find out that's he's lying in order to get free service, they come up with a plan in order to set things straight.
Mr. Moseby gets worried when his older brother Spencer arrives at the Tipton for a visit. Zack and Cody buy a bike, but they have to share it. Maddie and Esteban mess with London's horoscope
Zack and Cody have to repair a ukuta that they damaged as punishment. London begins attending Maddie's private Catholic school due to her poor attendance record.
The boys try to save a horse, but it's no easy task trying to keep it hidden. Maddie loans something sentimental to her to London and becomes mad when London loses it.
Maddie runs a Daycare Service at the Tipton, and when Maddie has a family obligation to attend to, Zack and Cody take over. Meanwhile, London encourages Mr. Moseby to take yoga to help him relax a bit more.