A: We need to save money. B: Why do we need to save money? A: Because we need to buy a house. B: But a house is so expensive. A: That's why we need to save money. B: How much do we need to save? A: We need to save enough for a down payment. B: How much is that? A: That's about $30,000. B: Thirty thousand dollars! That will take forever. A: Not if we save every penny. B: Okay. Here's seven pennies.