The antonym for the phrase "lays money on" is "takes money out." While laying money on suggests putting down cash or investing in something, taking money out implies the exact opposite action of removing funds or divesting. In financial terms, lay money on could mean making a deposit or placing a bet, while taking money out could mean withdrawing or cashing in. The two phrases have opposing meanings and uses, reflecting the volatility and mutability of financial transactions. While laying money on can be an act of faith or confidence in a specific investment or opportunity, taking money out can signify a need for caution, prudence, or financial conservatism.