IELTS Speaking · Part 2 · Cue card

Describe someone you know who is good with money

Last updated 21 July 2026

In short

"Describe someone you know who is good with money" is a Part 2 cue card in the IELTS Speaking test. You get one minute to prepare, then speak for one to two minutes. This guide breaks down how to structure your long turn around all four bullet points, the topic vocabulary to reach for, and the Part 3 questions likely to follow.

The cue card

Describe someone you know who is good with money.

You should say:

who this person is
how they manage their money
how you know they are careful with it
and explain what you have learned from them

How to structure your long turn

Spend roughly 20–30 seconds on each prompt. Take the bullets in order — they build a natural narrative — and save the most time for the final 'explain' point.

1
who this person is
Cover this in a sentence or two with a concrete, specific detail.
2
how they manage their money
Cover this in a sentence or two with a concrete, specific detail.
3
how you know they are careful with it
Cover this in a sentence or two with a concrete, specific detail.
4
and explain what you have learned from them
This is the most important bullet — give reasons and a personal example, and spend the most time here.

Timing & delivery

Part 2 is the long turn: you get 1 minute to prepare and speak for 1–2 minutes.
Use the preparation minute to jot keywords against each bullet, not full sentences.
Cover all four bullet points, spending the most time on the final 'and explain…' prompt.
It's fine to invent details — you're scored on how you speak, not whether the story is true.

Useful vocabulary for this topic

Natural, Band 7+ language for talking about money and finance.

make ends meet: manage to pay for your basic needs; “A lot of families are struggling to make ends meet.”
save up for: put money aside over time for something; “I'm currently saving up for a trip abroad.”
live within your means: spend no more than you earn; “My parents taught me to live within my means.”
tighten your belt: cut back on spending; “We had to tighten our belts after I changed jobs.”
a rainy day: a future time of possible need; “I always put a little money aside for a rainy day.”

Rounding-off questions

After your long turn, the examiner may ask a short question or two before moving on to Part 3.

Should children be taught how to manage money?
Is it possible to be too careful with money?

Part 3 questions on money and finance

This cue card leads into a Part 3 discussion of the wider topic. Expect abstract, opinion-based questions such as these.

Why do you think some people are better at saving money than others?
How has the way people pay for things changed in recent years?
Do you think money can make people happy?
Should children be taught how to manage money at school?

See all Part 3 questions on money and finance

Explore more IELTS Speaking practice

Frequently asked questions

How long should I talk about the "Describe someone you know who is good with money" cue card?

You should speak for one to two minutes without interruption. The examiner gives you one minute beforehand to make notes, then times the long turn and stops you at two minutes.

Can I make up my answer to this cue card?

Yes. IELTS examiners score how you speak — your fluency, vocabulary, grammar and pronunciation — not whether your story is true. Inventing realistic details is completely acceptable and often easier than recalling a real event.

What Part 3 questions follow the "Describe someone you know who is good with money" topic?

This cue card leads into a Part 3 discussion on money and finance. Expect broader, opinion-based questions such as "Why do you think some people are better at saving money than others?"

What if I run out of things to say before two minutes?

Lean on the final 'and explain…' bullet. Adding reasons, feelings and a specific example naturally extends your answer, and it's the part that most improves your score.

Next step

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