Child (10 years old): "My parents always say money doesn’t grow on trees, but I don’t understand why I can’t just buy new toys whenever I want.", Teenager (16 years old): "My friend is so tight‑fisted. He never wants to share or spend money, even when we all chip in for pizza. Isn’t that unfair?", Young Adult (22 years old): "That new phone must have cost an arm and a leg. I wonder if it’s right to spend so much when some of my classmates can’t even afford textbooks.", Parent (35 years old): "We’re going to have to tighten our belts this year. I feel guilty cutting back on family outings, but saving seems more responsible.", Professional (40 years old):"I see so many colleagues living beyond their means — fancy cars, expensive clothes. Is it dishonest to pretend you can afford that lifestyle?", Middle‑aged person (50 years old): "I can’t make ends meet, even though I work full‑time. Shouldn’t society make sure hard‑working people can live decently?", Business owner (60 years old): "We’re in the red this quarter. I wonder if chasing profit is more important than treating employees fairly.", Retired person (75 years old): "That holiday package was a rip‑off. At my age, I think it’s immoral when companies exploit people who just want a little joy.".

Speaking - IDIOMS (MONEY) -EFA U3

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