The phrase "pony up" means to pay or contribute money, but there are several antonyms for this term. These include "withhold," "save," "hoard," "stint," and "skimp." When someone withholds money, they refuse to pay or contribute. Saving money means putting it aside for later use rather than immediately spending it. Hoarding money is similar to saving, but it implies keeping an excessive amount. Stinting or skimping means being frugal or unwilling to spend money. While "pony up" usually has a positive connotation, its antonyms are often negative or imply selfishness.