3 Year Old Reasoning

I'm in the car with Jake this morning. He has commandeered my change canister (a little compact sized metal container that holds my loose change in the car) and is counting the coins. Among the coins are some duds I've received, a metal plug, some plastic toy change, and some Canadian pennies. So, I'm telling him that I'll need the change to buy breakfast on the way to school, always the mother trying to instill some useful concept, today's being that breakfast costs money and that money has value.
So, he asks me, "Mommy, what kind of money does it take to buy breakfast?"
"Real money" I say, since we've just spent 10 minutes discussing the difference between the misc. 'pretend' money and the real change he's holding.
"Dollars, Mommy?"
"Yes, dollars would be good"
"We don't have any dollars!" Smart kid.
"You're right, I'll have to use my credit card. Remember, Grammy showed you hers?" From our credit card conversation last night, though I have no idea if he understands the concept.
"Oh, okay Mommy. You need my real money?" The nickel, he's holding.
"Yes, Jake, I need the real money too"
"Not the pretend money?"
"No, we can't buy food with the pretend money" I'm still pushing that lesson, lol.
"But we can buy pretend food with the pretend money!" Can't argue with that one!
"You're right Jake, we can"