Most probably the quote is said to a lady... by someone from the last place team? That is, if Episode 5 was a NEL, and the "No money from Phil" rule was brought back and applied to the last place team.
Or, no money was given at the start of the leg, and ala Duke/Lauren, one team was too careless when it came to their money and they were short of cash? If this was the case, and Teri/Ian had not been spending their money wisely, then it could be a reason why they're eliminated here... if Episode 5 was a NEL, that is.