That money talks, I’ll not deny, I heard it once: It said, ’Goodbye’.

Armour twists the cliché “money talks” into a punchline: the only “speech” the speaker reliably hears from money is its departure. The joke depends on personification—money becomes a fickle companion whose most memorable utterance is “Goodbye.” Beneath the humor is a familiar modern anxiety about financial instability and the fleeting nature of cash in everyday life: earnings arrive briefly and vanish quickly through expenses, debts, or bad luck. The couplet also satirizes the idea that money confers power or influence; for the ordinary person, money’s influence is felt less in what it can command than in how readily it slips away.