Image: Bags with money

Bags with money


A: Teenagers these days are loaded. They are born with a silver spoon. They don’t have to work because their parents have very deep pockets.
B: They’re also pretty wasteful, and they spend money like water. They don’t understand that money doesn’t grow on trees.


Loaded (s)(adj) – to have a lot of money, wealthy, rich.
To be born with a silver spoon (i) – someone born into a rich family.
To have deep pockets (i) – to have a lot of money.
To spend money like water (i) – to waste or spend too much money.
Money doesn’t grow on trees (p) – advice: you should be careful how you spend money because it’s difficult to earn money. Or, you don’t have money

A: Could I borrow 100 bucks?
B: Why do you need 100 dollars?
A: I need dough to buy some shoes. I don’t have money. I’m broke.
B: No problem. Here is a Benjamin.


Bucks (s) – Dollars (more common, plural).
Dough (s) – Money. Synonyms: bread (s).
I’m broke (e)(s) – I have no money, I’m poor.
Benjamin (s) – $100 (Benjamin Franklin is on the bill).

A: How much money do you earn a year?
B: I am paid peanuts. I earn about 20k a year.
A: 20 grand? It’s difficult to make ends meet with $20,000.
B: It’s not a lot of money, but I can get by.


To be paid peanuts (i) | to pay peanuts (i) – to be paid a low salary.
K (or k) | Grand (s) – 1000 | $1000. Synonyms: G, Stack (s)
To make ends meet (i) – to have enough money to cover basic expenses.
To get by (pv) – to live/to survive (to have enough money to survive).

I need to save up money for rainy days and I have to put aside money to buy a new car. My grandfather always told me “A penny saved is a penny earned.


To save up for a rainy day (i) – to save money for an emergency situation in the future (health issues, retirement, job loss, unexpected expenses, accidents, theft, death).
To put aside (pv) – to save money for a specific purpose.
A penny saved is a penny earned (p) – advice: save money, even if it’s a small amount.
Penny ($0.01) < Nickel ($0.05) < Dime ($0.10) < Quarter ($0.25) | (US)

A: When are you paying back my money? I’m running out of money.
B: My bad. I will give it back to you as soon as possible. I’m sorry. I have to pay off my bills first.


To pay back (pv) – to return money you owe.
My bad (s)(e) – I’m sorry. My fault. Pronunciation: /ma bad/
To run out of something (pv) – to be nearly used up (empty).
To pay off (pv) – to finish paying something.

A [Gucci store]: Do you need any help?
B: Just browsing…Actually, how much for this Gucci bag?
A: $100, it’s on sale.
B: Wow! It’s a steal!


Just browsing (e) – Just looking around while shopping.
It’s a steal! (e) – Something really cheap. Opposite: It’s a rip off (e)(s).

PEPSI Discussion Questions 

  1. Do you know anyone who is loaded or was born with a silver spoon? How do you know? 
  2. Tell me about someone who has deep pockets.
  3. Have you been spending money like water recently?
  4. Did your parents tell you ‘money doesn’t grow on trees’? Now that you are older do you agree or disagree with this proverb?
  5. A friend borrowed $100, but he or she hasn’t paid it back? What would you say or do in this situation? What if it were $1000? $10,000?
  6. Do you use slang to describe different amounts of money in your own country?
  7. How much money do you need to make ends meet each month in your city/country? Is it difficult to get by? What would be your dream salary?
  8. How much money have you saved up? Are you putting aside money to buy something in the future or for a rainy day?
  9. What would you do if you were running out of money? Would you try to find a part-time job, call your parents, ask your friends to lend you some money?
  10. Do you have any personal debt? When are you planning to pay it off?

For the questions above, you can also change US dollars to a different currency when you ask these questions. Remember, talking about money is usually a very personal topic. In some cultures, it might be very common to ask about money and each others’ salaries. However, in other cultures, it might not be typical. If you feel the other person is offended, distant, or defensive, then apologize for asking a personal question and ask them which question they would be comfortable in answering. If none, change the subject.