Learn Arabic (Modern Standard): هل معك مال؟

While عند means "to have" in a general sense (like owning a car or a house), مع literally means "with". When we attach a pronoun to it, like معك (with you), it specifically means having something on your person right now. So, we are asking if they have money in their pocket or bag at this very moment.

How do I know if معك is addressed to a man or a woman?

The suffix ـك changes its short vowel based on who you are talking to. For a masculine "you", it is pronounced "-ka" (معكَ), and for a feminine "you", it is pronounced "-ki" (معكِ). In written Arabic without vowel marks, both look exactly the same, so you must rely on context. Here, the English translation specifies it is directed at a man.

Why is the word order "with you money" (معك مال) instead of "money with you"?

In Arabic, if the thing being possessed is indefinite (it does not start with ال for "the"), the prepositional phrase (معك) must come first. Since مال just means "money" and not "the money", we must place معك before it in the sentence.

Can I use the question prefix أَ instead of هل here?

Yes! هل is a common standalone word used to create yes/no questions, but you could also attach the question prefix أَ directly to the first word. Saying أمعك مال؟ is perfectly correct and means the exact same thing.