- SpongeBob SquarePants
- Eugene H. Krabs
- Squidward Tentacles
- Old Man Walker
- Incidental 87
- Incidental BM50
- Incidental 107
- Incidental 40
- Incidental 41
- Incidental 27
- Incidental 48
- Incidental 60
- Incidental 49
- Incidental 13
- I.O.U. ghosts (debut)
- Patrick Star (2 cameos)
- Flying Dutchman
- Talking money
- Incidental K1's mother
The episode starts off at the Krusty Krab, a customer wants to sit at a certain table, but two elderly people (Old Man Walker and Mary) are already sitting there. SpongeBob says the customer can sit at the table when they are done, although the guy said he will pay $5 if he gets it immediately. Mr. Krabs agrees with this offer and kicks the old people out. He then says "money talks." He likes the idea and wishes he could talk to money.
Later, at his house, Mr. Krabs forces the money to talk, but it doesn't. Mr. Krabs then says he would do anything to talk to money. The Flying Dutchman appears and says he would grant his wish if he sells his soul. Mr. Krabs takes the offer and the Flying Dutchman throws pixie dust on him.
Krabs then wakes up and thinks it was a dream until he hears his money talk. At first, he is delighted and takes all the money from his safe at the Krusty Krab to bring it home, but to Mr. Krabs' disappointment, the money tells him how badly they want to be spent as it is their purpose.
He decides to spend some of it on fairy princess outfits, corn dogs, and diapers as the money wanted. Mr. Krabs tries to put the rest of the money in a bag, give it to a visiting SpongeBob, who is worried about his health. Mr. Krabs quickly asks him to bury it, but realizes that just makes him lose the money, so he takes the bag back and SpongeBob takes it as a sign he is alright.
Later on, Mr. Krabs becomes restless and starts to regret his deal with the Flying Dutchman, even demanding the deal be put off. The Flying Dutchman appears and refuses, he is about to take Mr. Krabs' soul, but Krabs says he already sold it. Suddenly, a group of monster-like ghosts, including SpongeBob - as Mr. Krabs was short on his payday - are lined up and reveal that Mr. Krabs sold his soul to them too, as the episode ends.
- The money telling Mr. Krabs to spend them.
After Mr. Krabs is granted his power to talk to money, he wakes up in his bed and finds a nickel in his belly button. It was originally going to be located in his butt.
|( ‣ ) Production music|
|( • ) Original music|
|( ◦ ) SpongeBob music|
• Happy Sponge Chase Vibes - Nicolas Carr [Title card]
‣ The Rake Hornpipe - Robert Alexander White [The opening]
• Harp Ding - Nicolas Carr ["Money Talks."]
‣ Keel Row - Brian Peters ["I didn't know money could talk."]
• What's This - Nicolas Carr ["Hey, wait a minute."]
◦ If I Could Talk to Money - Tom King, Eban Schletter [Mr. Krabs sings this/Mr. Krabs starts singing again]
• Nautical Hijinx - Nicolas Carr, Barry Anthony [that night]
‣ Hawaiian Cocktail - Richard Myhill ["I would give anything to talk to money!"]
‣ Malleus Mallificarum (A) - Dave Hewson [The Flying Dutchman appears]
‣ The Beast Within - Paddy Kingsland ["I'll grant your wish, but it'll cost ya."]
‣ In the Crypt - Dave Hewson [Mr. Krabs signs contract]
‣ Tales from the Swamp (a) - Ron Goodwin [The Flying Dutchman throws dust in Mr. Krabs' face]
• Vibe Q Sting - Nicolas Carr ["You think that was a strange dream?"]
• The Pollywog Strut - Nicolas Carr, Barry Anthony [Mr. Krabs talks to money]
‣ The Tip Top Polka/The Cliff Polka - Chelmsford Folk Band [at the Krusty Krab]
‣ Drunken Sailor (B) - Robin Jeffrey, Tim Laycock [Mr. Krabs opens safe]
‣ Hello Sailor (B) - Richard Myhill [Mr. Krabs at home]
‣ Happy-Go-Lively - Laurie Johnson [Mr. Krabs at the mall]
‣ Old Creepy Feeling - John Scott ["Spend us... spend us..."]
• Vibe Q Sting - Nicolas Carr [SpongeBob at the door]
‣ Drama Link (D) - Hubert Clifford ["Take this bag as far away as possible and bury it."/Krabs takes the bag back]
‣ Final Resolution [#20] - Gregor F. Narholz ["Dutchman, you cheated me!"]
‣ Malleus Mallificarum (A) - Dave Hewson [The Flying Dutchman reappears]
‣ The Girl I Left Behind Me - Brian Peters [The ending]
- This episode is available on the Season 5 Volume 1, SpongeBob's Atlantis SquarePantis, SpongeBob's Pest of the West (UK version), First 100 Episodes, Best of SpongeBob, Really Big Box Set, SpongeBob's Legendary Adventures, The Ultimate SpongeBob Box Set, SpongeBob SquarePants Vol. 7, The SpongeBob Super Square Collection, Ghouls Fools, Complete Fifth Season, From the Beginning, Part 2, The SpongeBob SquarePants Collection, Bikini Bottom Tales, SpongeBob ScaryPants Collection, Time Travel, The SpongeBob SquarePants 8 Season DVD Collection, Favorite Episodes Volume 2, The Best 200 Episodes Ever, and The Fifth & Sixth Seasons DVDs.
- The title and quote Mr. Krabs says is a real-life phrase coming to life.
- "Happy Sponge Chase Vibes" is high-pitched in this episode. This also happens in "Fungus Among Us."
- Mr. Krabs mentions the episode title by saying, "You know what they say: "Money Talks."
- Mr. Krabs says, "Only fish can talk!," saying money cannot actually talk. However, Mr. Krabs and SpongeBob are not actually fish and other non-fish characters can talk.
- When Mr. Krabs talks to the money, he asks "Parlez vous Francais?" to it in French, "Habla Español?" in Spanish, and "Ouyay eakspay Igpay Atinlay?" in Pig Latin.
- Even though the various voice actors who voice the talking money are uncredited, the one that says, "We're money, it's in our nature" is clearly voiced by Dee Bradley Baker since he uses the same voice that he uses for another of his roles: Klaus Heisler on American Dad!
- The plot point about Mr. Krabs trading his soul to talk to money is similar to stories about people who sell their soul to the devil, often for power or wealth.
- The fourth wall is broken twice in this episode:
- When Mr. Krabs starts to sing the song, Squidward asks where the music is coming from, and nobody is seen with instruments.
- The Flying Dutchman looks directly at the audience and says, "Try saying that three times fast."
- Mr. Krabs seems to give up his soul often, according to the I.O.U.
- This is the first episode to not play "Hawaiian Cocktail" in its normal pitch.
- This episode marks the second time Mr. Krabs makes a deal with the Flying Dutchman. The first time is when he sells SpongeBob for 62¢ in "Born Again Krabs."
- This is one of the few episodes where SpongeBob cares about getting his paycheck.
- In one scene, it looks like Squidward can hear the money talk but it was established that only Mr. Krabs can hear it.
- In the Filipino dub, most of the song "If I Could Talk to Money" is left undubbed except for Squidward's and SpongeBob's lines.