Focus on the pronunciation of out-of-pocket
English definition of “out-of-pocket”
adjective [before noun]
› FINANCE out-of-pocket costs, expenses, etc. are ones you have to pay yourself, rather than being paid by the company or organization you are working for: out-of-pocket expenses/costs Employees will be reimbursed for any out-of-pocket expenses.
› US INSURANCE out-of-pocket medical costs are not included in the price of health insurance: Under the current program, employees pay up to $7,000 in out-of-pocket costs before full coverage kicks in.