So, he kept all his money in a bag which he carried under his arm all the time. 
soʊ, hi kɛpt ɔl hɪz mʌni ɪn ʌ bæɡ wɪtʃ hi kæɹid ʌndɜ˞ hɪz ɑɹm ɔl ðʌ taɪm. 
 Indian speaks in a monotone voice at a moderate speed in a quiet room with barely any echo.