J: Mommy. you are going 80 miles per hour and moving up to 90. hey cops will see you, pull you over, and give you a ticket and make you pay money that you don’t have.

Me: boy, is that true.

J: Then, when you say “but I don’t have any money,” he will just take you and put you in jail. Then you won’t have ANY money at all because is it costs too much to get out.

Convincing.