Learn German: Ja, ich habe ein Auto, aber kein Geld. - Yes, I have a car, but no money.

In German, verbs change their endings based on who is doing the action. The dictionary form of the verb is haben (to have). When the subject is ich (I), we drop the -en and add an -e, giving us ich habe.

Why do we use kein Geld instead of nicht Geld?

When you want to say you have zero of an item, you use a form of kein. You use nicht (not) to negate actions or descriptions, but kein (no or not any) is used to negate nouns that either have an indefinite article like ein or no article at all, like Geld (money).

Does the verb haben affect the endings of ein Auto and kein Geld?

Yes, but the change is invisible here! The verb haben requires a direct object (the thing being had), which triggers the accusative case. However, because both Auto and Geld are neuter nouns, their words (ein and kein) look exactly the same in the accusative case as they do in their basic dictionary form.

Is it okay to just say aber kein Geld without repeating the verb?