Rachel: Yeah, but if you spent it, it would be like shopping! 

Phoebe: Okay. Okay, let's say I bought a really great pair of shoes. Do you know what I'd hear, with every step I took? 'Not-mine. Not-mine. Not-mine.' And even if I was happy, okay, and, and skipping, I'd hear- 'Not-not-mine, not-not-mine, not-not-mine, not-not-mine'... 

Monica: We're with you. We got it.