To encrypt the message "time is money" using the one-time pad key "wcInbtdefjh," we can perform character-wise XOR (exclusive OR) operation between each character of the message and the corresponding character of the key.
Here is the resulting cipher text:
Message: t i m e i s m o n e y
Key: w c I n b t d e f j h
Cipher: G U 6 Y 1 f V Z p h v
Therefore, the cipher text for the message "time is money" using the given one-time pad key "wcInbtdefjh" is "GU6Y1fVZphv".