賢い
かしこい · kashikoi · JLPT N3 · i-adj
clever
🦉 kashi-koi sounds like cash + coy: clever folk stay coy about their cash
The kanji 賢 has 貝 (shell, ancient money) at its base, under 臤 (firm control): wealth handled with a steady hand. Say it cash-ee-coy: the smart one stays coy about their cash.