Ariannita visits ATMs and a bank, compares cash and card payments, and buys ice cream before making a deposit. Learn everyday U.S. money language for withdrawing and depositing cash, talking about bills and currency, comparing prices with tax, and choosing how to pay.

Read the full lesson summary

Let's talk about Money in English is a guided work & business lesson for English learners who want to understand and use language in this real-life situation. The short description introduces the lesson; this expanded guide draws its details from the transcript and its phrase notes, so it focuses on what this particular video actually covers rather than a generic channel overview.

What the lesson covers

The lesson moves through Introducing money, cash, bills, and coins; Withdrawing cash and explaining an ATM; Describing a bank account and borrowing; Comparing banks and asking about local banks; Talking about spending and tutoring; Checking and savings accounts; Entering the bank with a card or phone; and further related moments. Following that sequence helps learners connect each expression to what the speakers are doing, asking, or responding to, instead of memorizing vocabulary as a disconnected list. Listen for how the meaning changes with the situation and how the speaker's wording keeps the exchange moving.

Language to take away

money doesn't grow on trees — Money is limited and must be earned or obtained; it does not appear without effort. Familiar, often humorous reminder about spending.Use it when: Explain why someone should be careful with money or work to earn it.When it may not fit: It can sound dismissive if someone is asking for help with a genuine hardship.Example: “We can’t replace the laptop every year—money doesn’t grow on trees.”
take out cash — Get physical banknotes from an account, usually through an ATM or teller. Everyday banking language.Use it when: Ask for or describe withdrawing cash.When it may not fit: For removing cash from a register or drawer, say take cash out of the drawer.Example: “I need to take out cash before the market closes.”
withdraw money from the ATM — Use an ATM to remove funds from your bank account as cash. Neutral banking language.Use it when: Describe getting cash from an ATM.When it may not fit: An ATM may charge fees or impose limits; check the screen and account terms.Example: “I withdrew money from the ATM near the station.”

A way to use this lesson

Notice one useful detail about introducing money, cash, bills, and coins. Replay the relevant moment, then adapt the language to a real conversation you expect to have. Keep the original situation in mind: the goal is not simply to repeat a sentence, but to choose wording that suits the people, purpose, and tone of the exchange.

Ariannita la GringaAmerican English13:59

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Transcript

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Select an expression for its meaning · 0:00

Introducing money, cash, bills, and coins

Hey everybody! It's Ariannita la Gringa and welcome back to my YouTube channel. In today's video, I will teach all of you about money. And what is money? Money is what people use to buy things or services. For example, you can use money to buy clothes, you can use money to buy food, or many more things. Money comes in different forms. For example, I am holding cash in my hand. This is cash and cash is the physical form of money. This is cash. Cash is basically bills or coins.

Try it: Notice one useful detail about introducing money, cash, bills, and coins.

Phrase cheat sheet

All phrases at a glance

Review each expression, hear it, save it, or jump to where it appears in the video.

19 phrases

Showing 19 of 19 phrases

money doesn't grow on trees

Introducing money, cash, bills, and coins · idiom

Money is limited and must be earned or obtained; it does not appear without effort.

Tone and use: Familiar, often humorous reminder about spending. Explain why someone should be careful with money or work to earn it.

May not fit: It can sound dismissive if someone is asking for help with a genuine hardship.

Example“We can’t replace the laptop every year—money doesn’t grow on trees.”

take out cash

Introducing money, cash, bills, and coins · expression

Get physical banknotes from an account, usually through an ATM or teller.

Tone and use: Everyday banking language. Ask for or describe withdrawing cash.

May not fit: For removing cash from a register or drawer, say take cash out of the drawer.

Example“I need to take out cash before the market closes.”

withdraw money from the ATM

Withdrawing cash and explaining an ATM · expression

Use an ATM to remove funds from your bank account as cash.

Tone and use: Neutral banking language. Describe getting cash from an ATM.

May not fit: An ATM may charge fees or impose limits; check the screen and account terms.

Example“I withdrew money from the ATM near the station.”

bank account

Withdrawing cash and explaining an ATM · expression

A financial account where a bank holds and records a person’s money.

Tone and use: Standard financial vocabulary. Talk about where you keep money or which account a transaction uses.

May not fit: Name checking or savings when the account type matters.

Example“My paycheck goes directly into my bank account.”

lend you money

Describing a bank account and borrowing · expression

Give someone money temporarily with the expectation that they will repay it.

Tone and use: Neutral everyday and financial language. Describe a lender giving funds to a borrower.

May not fit: If repayment is not expected, say give or loan as a gift instead.

Example“The bank may lend you money for a car.”

fits your budget

Talking about spending and tutoring · expression

Is affordable within the amount you have planned to spend.

Tone and use: Neutral and common in shopping and planning. Compare a price with someone’s spending limit.

May not fit: If the price exceeds the limit, say it is over or outside your budget.

Example“We found a hotel that fits our budget.”

checking account

Checking and savings accounts · cultural reference

A bank account commonly used for everyday transactions, such as paying bills and using a debit card.

Tone and use: Common U.S. banking term; account features vary by bank. Discuss an account used for routine spending and deposits.

May not fit: Do not assume fees, protections, or features are identical across banks.

Example“I pay rent from my checking account.”

enter your PIN

Entering the bank with a card or phone · expression

Type your personal identification number into a payment terminal or ATM.

Tone and use: Standard, direct banking instruction. Follow a secure card transaction or ATM prompt.

May not fit: Never share your PIN with someone who is not authorized to help with the transaction.

Example“The ATM asked me to enter my PIN before showing my balance.”

put it in my purse

Choosing bills and keeping cash safe · expression

Place cash or another small item inside a handbag.

Tone and use: Everyday U.S. vocabulary; handbag is also common. Say where you will store a small item while out.

May not fit: Purse can mean a handbag in U.S. English but a wallet in some other varieties; clarify if needed.

Example“I’ll put the receipt in my purse so I don’t lose it.”

a buck

Naming U.S. bills and slang for dollars · cultural reference

Informal American slang for one dollar.

Tone and use: Casual and very common in speech. Talk informally about prices or amounts of money.

May not fit: Use dollar in formal writing, invoices, or situations where precision matters.

Example“The coffee was only a buck at the corner shop.”

the least common

Comparing common and uncommon bills · expression

The one that occurs or is seen less often than the others.

Tone and use: Neutral comparison language. Compare how frequently something appears or is used.

May not fit: If you mean lowest in quantity rather than frequency, say the fewest.

Example“That denomination is the least common bill in the drawer.”

the equivalent to

Naming U.S. coins and their values · expression

An amount or item with the same value or effect as another one; equivalent of is also widely used.

Tone and use: Neutral and slightly formal, useful for conversions. Compare currencies, measurements, or values.

May not fit: Exchange rates change, so include the date or say approximately for a current conversion.

Example“Ten euros is roughly the equivalent of eleven dollars today.”

just in case

Paying with different currencies while traveling · expression

As a precaution in case something happens or turns out to be needed.

Tone and use: Common and conversational. Explain why you are keeping or preparing something for a possible future situation.

May not fit: For a certainty rather than a possibility, use because or so that.

Example“I saved the address just in case my phone loses service.”

broke or poor

Explaining currency changes and collectables · expression

Broke is informal for having little or no money available; poor is a broader description of low income or resources.

Tone and use: Broke is casual; poor can sound sensitive or stigmatizing when used about a person. Describe a temporary lack of spending money with broke, or discuss poverty carefully and specifically.

May not fit: Do not label someone poor casually when their financial circumstances are unknown.

Example“I’m a little broke until payday, so let’s cook at home.”

spend it on

Describing wealth and deciding how to spend · expression

Use money to buy or pay for a particular thing.

Tone and use: Neutral and common. Say what someone uses their money to purchase or enjoy.

May not fit: If the payment is a bill or debt, pay for or pay off may be more precise.

Example“She likes to spend her extra money on books.”

wait in line

Paying for ice cream and choosing a payment method · expression

Stand in a queue until you can be served.

Tone and use: Common American English; queue is widely understood elsewhere. Describe waiting for service or entry.

May not fit: For a vehicle queue, say wait in traffic or wait in a line of cars.

Example“We had to wait in line to order lunch.”

speed up the process

Paying for ice cream and choosing a payment method · expression

Make a sequence of steps happen more quickly.

Tone and use: Neutral and practical. Suggest a way to reduce waiting or complete a task faster.

May not fit: Do not prioritize speed over accuracy or required checks.

Example“Having your forms ready can speed up the process.”

with tax

Paying for ice cream and choosing a payment method · expression

Including the sales tax added to the listed price.

Tone and use: Common U.S. shopping language. Estimate or ask for the final price after tax.

May not fit: Tax rates vary by location; ask for the exact total at checkout.

Example“The jacket is $40, but it’s about $43 with tax.”

deposit cash

Getting a receipt and understanding sales tax · expression

Put physical money into a bank account, at a branch or eligible ATM.

Tone and use: Standard banking vocabulary. Describe adding cash to your account.

May not fit: Check whether the ATM accepts cash deposits and when the funds become available.

Example“I deposited cash at the ATM after work.”

Knowledge check

Practice the phrases you heard

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What it means · “money doesn't grow on trees”

Let's talk about Money in English

What the lesson covers

Language to take away

A way to use this lesson

Transcript

All phrases at a glance

money doesn't grow on trees

take out cash

withdraw money from the ATM

bank account

lend you money

fits your budget

checking account

enter your PIN

put it in my purse

a buck

the least common

the equivalent to

just in case

broke or poor

spend it on

wait in line

speed up the process

with tax

deposit cash

Practice the phrases you heard

What does the idiom “money doesn’t grow on trees” remind someone?