nǐ / zhēn / shì / gè / xiǎo / qì / guǐ / jiè / gěi / wǒ / yì / zhī / bǐ / yě / shě / bu / dé / ma

你真是个小气鬼，借给我一支笔也舍不得吗？

You are such a cheapskate—are you really unwilling to lend me even one pen?