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out–of–pocket

out–of–pocket /ˌaʊtəvˈpɑːkət/ adjective
out–of–pocket
/ˌaʊtəvˈpɑːkət/
adjective
Britannica Dictionary definition of OUT–OF–POCKET
: paid for with your own money rather than with money from another source (such as the company you work for or an insurance company)

— out of pocket

adverb
see also out of pocket at 2pocket