The word "out-lay" refers to the act of spending money or investing in something. Antonyms for this term would, therefore, be words that describe the opposite action, such as "save," "conserve," "hoard," "withhold," or "retain." These words indicate the act of holding onto one's money or resources rather than spending them. Other possible antonyms for "out-lay" may include words like "defund," "cut," or "reduce," which describe actions aimed at decreasing expenditures or investments. Regardless of the specific antonym chosen, it is clear that terms opposing "out-lay" all suggest an inclination towards frugality, moderation, and financial conservatism.