fucks for pennies

a woman who only goes for a man who has no looks, no personality and usually no dick, but has lot and lots of money.

--"Amazing, that ugly rich cunt Andrew has a sexy new chick"
--"Yeah, Karen fucks for pennies!"

fuck every penny

A phrase used to describe a woman's psychological approach to the act of having sex with a man who, despite being hideously unattractive, is incredibly rich.

Nicole, you're 26... How are you dating that 60 year old guy?

Ben, you've got to fuck every penny.