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Money doesn't grow on trees

Meaning: It's not easy to get money. We have to work hard to make money. We can't just walk around and pick it like fruit from the trees.

Note: grow (verb) = germinate and develop

Quick Quiz:

A parent might tell a child "money doesn't grow on trees" when the child
  1. keeps asking for money and spends it carelessly
  2. asks where money comes from
  3. wants to plant a tree

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