nǐ / shuō / yào / děng / dào / hóu / nián / mǎ / yuè / cái / huán / qián / shuí / hái / huì / xiāng / xìn / nǐ

你说要等到猴年马月才还钱，谁还会相信你？

You say you will not repay the money until some impossibly distant time, so who would believe you?