The "yo" is able to be understood given the verb tense. Some times you require the states noun, sometimes no. Sometimes you don even offer the "yo" or "tu" when we are selecting the words from a list to translate as sentence into Spanish. Why is my answer not accepted? It is correct.
You use "necesito" when the subject is your own self, "I" or "yo" in Spanish.
- I need it. - Yo lo necesito.
You use "necesita" when the subject is a third person singular or "usted".
- She needs it. - Ella lo necesita.
- He needs it. - Él lo necesita.
- My friend needs it. - Mi amigo/amiga lo necesita.
- You need it. (formal you) - Usted lo necesita.
- Mike needs it. - Mike lo necesita.
Why is it not "el dinero"? There have been other times when we were to write el dinero. It seems as if there is no rule about this; sometimes the article is used with a word, and sometimes it is not. I just went through all of the tips for the lessons I've taken thus far, and do not see this addressed.