A conversation about money and work

Nicholas did a great job in his swiming class today. Afterwards, we played at the playground. Finally, it is time to go home --

Nicholas: "Everyone needs to go home"
Dad: "Yes. But some people do not have homes, isn't that sad?"
Nicholas: "They could buy houses"
Dad: "But they don't have money"
Nicholas: "Oh. They need to work to make money"
Dad: "Yeah"
Nicholas: "How many cents do they need?"
Dad ......