Antonyms for the phrase "cashes in" can imply a sense of loss, missed opportunities, or failure. Examples of antonyms might include "loses out," "pays the price," or "comes up short." Other possible antonyms could include "misses the boat," "falls behind," or "squanders." These terms suggest that the outcome was not favorable, perhaps due to poor timing, poor decision making, or a lack of preparation. Conversely, antonyms for "cashes in" might include "gives generously," "donates," or "pays it forward," which suggest a willingness to share wealth or experience good fortune with others.