{"slug":"spongebob-money","name":"Spongebob Money","url":"/templates/spongebob-money.png","w":800,"h":450,"top":"WHEN YOU","bottom":"","description":"Spongebob Money meme generator. SpongeBob clutching his wallet with a smug, self-satisfied grin. Perfect for any situation where money is involved and you are feeling very good about it.","keywords":"spongebob money meme, spongebob wallet meme, spongebob smug meme, spongebob holding money, spongebob rich meme, spongebob squarepants money, spongebob financial meme","year":2017,"origin":"A screenshot from SpongeBob SquarePants showing SpongeBob holding his wallet with a pleased, slightly smug expression. The image took off as a reaction meme around 2017 on Twitter and Reddit, used for moments of financial satisfaction, stinginess, or the decision to spend money on something ridiculous. The 2-panel version with an unimpressed top panel and wallet-out bottom panel is also available for contrast-format jokes.","format":"classic","alternateFormats":[{"slug":"spongebob-money-2-panel","label":"2-Panel"}],"howToMake":["Select the Spongebob Money single-panel template","Top text describes the money-related scenario","SpongeBob's smug wallet face delivers the reaction","Works equally well for spending money, receiving money, or refusing to spend money","Download and send to your group chat whenever finances come up"],"exampleCaptions":["WHEN THE PAYCHECK HITS","AND BILLS AREN'T UNTIL NEXT WEEK"],"exampleAltText":"Spongebob Money meme about paycheck hitting before bills are due","exampleRefreshDate":"2026-05-19","seo":{"aliases":["SpongeBob Wallet Meme","SpongeBob Smug Money","SpongeBob Rich Meme","SpongeBob Squarepants Money Meme","SpongeBob Clutching Wallet","Cartoon Money Meme"],"description":"SpongeBob SquarePants standing upright, gripping his wallet with both hands and flashing a wide, self-satisfied grin. His expression communicates equal parts delight and possessiveness. The background is simple, making SpongeBob and the wallet the undisputed focus.","definition":"SpongeBob holding his wallet with a smug look. A classic reaction meme for financial satisfaction, reluctant spending decisions, and any moment where money is in play.","useCases":[{"category":"Payday Energy","examples":["WHEN THE DIRECT DEPOSIT IS BIGGER THAN EXPECTED","WHEN VENMO SETTLES AND YOU WERE THE WINNER","SIDE HUSTLE INCOME HITTING THE SAME DAY AS SALARY","WHEN THE REBATE FINALLY PROCESSES SIX WEEKS LATER","CHECKING YOUR SAVINGS BALANCE AFTER A GOOD MONTH"]},{"category":"Spending Decisions","examples":["TREATING YOURSELF AND NOT FEELING GUILTY","BUYING THE NAME-BRAND ITEM INSTEAD OF THE KNOCKOFF","GETTING THE GUACAMOLE WHEN THEY WARN YOU IT IS EXTRA","FIRST CLASS UPGRADE WITH MILES","PAYING FOR THE PARKING SPOT RIGHT IN FRONT"]},{"category":"Frugality Wins","examples":["FINDING A COUPON BEFORE CHECKOUT","NEGOTIATING A LOWER RATE ON YOUR SUBSCRIPTION","GETTING A FREE ITEM FOR USING A PROMO CODE","CASHBACK TOPPING UP THE BALANCE","SPLITTING THE BILL AND COMING OUT AHEAD"]},{"category":"Stingy Moments","examples":["WHEN SOMEONE ASKS TO BORROW MONEY AND YOU SEE THIS MEME","LOGGING OUT OF VENMO SO NO ONE CAN REQUEST YOU","SUDDENLY HAVING PLANS WHEN ROUND IS ON YOU","CONTRIBUTING THE EXACT AMOUNT AND NOT A CENT OVER","CONVENIENTLY FORGETTING YOUR WALLET AT DINNER"]}]}}