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Now - I'm British but... 4 quarters, 2 dimes and 4 cents are the minimum number of coins you would need to make $1.24 - a total of 10 coins.

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Because the question asks for the minimum number of coins, you want to use the largest number of the largest possible denomination to make up the total amount without exceeding the total. That is,

- Start with 4 quarters ($1) because 5 would be $1.25 which is too large.
- That leaves 24 cents, so the next denomination to try is a dime. Three dimes would be too much (30 cents) so you need to use two dimes.
- The quarters and dimes total $1.20 so only 4 cents remain. A nickel (5 cents) is too large, so you need four pennies to make up the full amount.

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Q: What is the minimum number of quarters pennies and nickels needed to make up 124 cents?

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