Money talk

花钱
huā qián
to spend money

赚钱
zhuàn qián
to make money

省钱
shěng qián
to save money

我觉得花钱比赚钱容易。
Wǒ juéde huā qián bǐ zhuàn qián róngyì.
I think spending money is easier than making money.

如果你赚不了钱，那就需要省钱。
Rúguǒ nǐ zhuàn bùliǎo qián，nà jiù xūyào shěng qián.
If you can’t make money, then you need to save money.