wǒ háiyǒu qián.

The structure is:

我 + 还 + 有 + 钱
subject + adverb + verb + object

• 我 = the subject
• 还 = an adverb meaning still or sometimes also
• 有 = the verb to have
• 钱 = money

So the core verb is 有, and 还 modifies that verb.

In this sentence, 还有 most naturally means still have.

So the idea is that the speaker continues to have money.

Depending on context, 还有 can also mean also have or there is also, but in a simple sentence like this, learners will often understand it as still have first.

Grammatically, it is 还 + 有:

• 还 = still / also
• 有 = have

But these two characters appear together so often that learners often think of 还有 as a common chunk.

That is fine for learning, as long as you remember that 有 is the actual verb, and 还 is modifying it.

Because 还 is an adverb, and in Chinese adverbs usually come before the verb they modify.

So:

• 我还有钱 = correct
• 我有还钱 = not correct for this meaning

This is a very common Chinese pattern:

• 我还要去 = I still want to go
• 他还在家 = he is still at home
• 我们还没吃饭 = we still haven’t eaten

我有钱 simply means I have money, and it can even imply I’m rich depending on context.

我还有钱 adds the idea of still or also.

So:

• 我有钱 = I have money / I’m well-off
• 我还有钱 = I still have money left / I also have money

Very often, 我还有钱 sounds more like I’m not out of money yet than I’m rich.

Usually, not as strongly as 我有钱 can.

Chinese 有钱 can mean rich / wealthy in some contexts, but 我还有钱 usually sounds more literal:

• I still have some money left
• I also have money

So the emphasis is often on money remains, not on being wealthy.

Because 还 has more than one pronunciation and meaning.

Here it is hái, meaning:

• still
• also

When 还 is pronounced huán, it usually means:

• to return
• to give back
• to repay

So:

• 我还有钱 = wǒ hái yǒu qián = I still have money
• 我还钱 = wǒ huán qián = I repay money / return money

That is an important distinction.

Because 钱 here is being used in a general, uncounted way, like money in English.

You do not need a measure word when you are just talking about money in general.

If you want to be more specific, you can add one:

• 我还有一点钱 = I still have a little money
• 我还有一些钱 = I still have some money
• 我还有三十块钱 = I still have thirty yuan

So the short sentence is completely natural.

Usually money in general.

In everyday speech, 钱 is broad and can refer to money as a general concept, not only physical cash.

If you specifically want to say cash, you could say 现金.

So in this sentence, 钱 is best understood simply as money.

It is pronounced:

wǒ hái yǒu qián

Tone-wise:

• 我 wǒ = 3rd tone
• 还 hái = 2nd tone
• 有 yǒu = 3rd tone
• 钱 qián = 2nd tone

In natural speech, 我 often does not sound like a full dramatic 3rd tone dip. Before another syllable, it is often pronounced more lightly as a low tone. So a natural rhythm is:

wǒ hái yǒu qián

smoothly, without over-pronouncing every tone.

Yes, if the subject is already clear from context.

For example, in conversation, someone might simply say:

还有钱。

That could mean There’s still money or I still have money, depending on the situation.

But for learners, using the full sentence 我还有钱 is clearer and safer.

Use 没有 for not have.

• 我没有钱 = I don’t have money

Do not say 我不有钱.

If you want to say I don’t have money anymore, a very common sentence is:

• 我没有钱了

If you want to say I still don’t have money, you can say:

• 我还没有钱

So the negative patterns are important:

• 有 → 没有
• not 不有