Kids say the.....craziest things

Ever since M could talk she has always had a very "adult" vocabulary.  I don't mean that she swears like a sailor, I mean that the words she uses are words you don't typically hear from a 3 or 4 year old.  Thankfully there is really only one time I can remember when she used a "bad" word and it really wasn't that bad.  She was at my mom's, mixing some batter.  Apparently she could get it to do what she wanted and she pounded her fist on the counter and yelled "dammit dammit dammit."  It was actually quite funny, I think she was about 3 at the time.  She really doesn't know the REALLY bad words.  Her idea of a bad word is stupid and ass.  If you say either of those words around her, she will stop what she is doing and lecture you.  But you can drop all the f-bombs you want around her and she has no clue.
When her brother was a little baby, I remember her telling me "mommy, isn't he just so precious?"  And just yesterday when it was too warm in the house, she told me that it was "sweltering."  She cracks me up.  Not that long ago we were in the car and her dad was driving, he apparently went around a corner too fast for her liking and she yelled "hold on to your cheese and pickles!!"  Jason and I laughed so hard we were crying, I still have no idea where she got that from. Probably SpongeBob.  He's the reason she says "oh barnacles" and "oh tarter sauce" when she's frustrated.
Anyway, the point of this post was to talk about a conversation that we had in the car this week.  I have NO CLUE what the heck she was talking about.  I mentioned that I was going to turn K's carseat around to forward-facing soon.  After explaining to her why babies have their seats backwards, we had this conversation:

Mommy, you can't do that!!

Why?

Because he doesn't have enough quarters for that.

Ummm....What???

He doesn't have enough quarters.  You know, like I have more quarters then Ian (her friend who's only a few months younger) because I'm older then him.  I have more quarters then him. And K doesn't have enough.

Am I the only one that doesn't get this??  My only thought was that she was talking about their height and she was referring to quarters of an inch.  But honestly I don't know when she's ever heard anyone talk about quarters of an inch.  Who knows.  She also told me that in her Bible Club class last night that they made signs.  When we asked her what her group's sign said she said that she thought it said "watch out for cars and God."  Something tells me that this is not really what the sign said.  But it is kind of funny to think about.