money on hand; cash in one's possession
Refers specifically to the money a person is carrying at a given moment, not total wealth or bank balance. Common in contexts like travel, wallets, or being short of cash.
I didn't have enough money on me to buy a ticket.
When traveling abroad, I make sure to keep my cash in separate places.
Compound of 所持 (しょじ, 'possession, carrying') + 金 (きん, 'money'). The reading is straightforward on'yomi.