The phrase "working for money" can be substituted with various synonyms depending on the context and intention of the speaker or writer. One common synonym is "earning a living," which implies that work is necessary for financial sustenance. Another synonym is "making a living," which connotes the idea of generating income through labor or entrepreneurship. "Employment" and "job" are other synonyms that refer to specific forms of work that compensate for time and effort. "Breadwinning" is a more traditional term that emphasizes the duty of providing for one's family through work. "Wage-earning" and "salary-earning" are also synonyms that denote the monetary aspect of work.