Man: Mais c’est beaucoup trop comme récompense.
Woman: J’insiste, quand même. Ce n’est pas comme si j'avais les moyens de dépenser tout ça, en tout cas.
- "I don't have any particular things that I want to spend my money on. So go ahead and take it as a reward!"
Given the context, this is the right interpretation, but if you only go by the word "moyens", can't you also interpret the sentence as follows, as contradictory as it may sound?
- "I financially cannot afford to spend all that much money as a reward."