I get what your saying, but it helped to add other comments to the mix to show first and third person. El/Ella like in El bebe versus Yo bebo, same with El necesita versus Yo necesito. verb or adjective, it was not necesito because it was not first person. I'm having to relearn positioning and more; grammar almost seems "foreign" in itself, using it with a foreign language, especially when I wasn't that good at it as a child.
The subject-verb agreement for Él/Ella/Usted for (most) -ar verbs is to remove the ar suffix and replace it with an A. It's like how in English it's "I eat" even if I is singular and should supposedly be "eats", because that's the subject-verb agreement for I. I don't know if that made sense or not .-.
That's not important. What is important is whether or not it's first or third person such as; if you are speaking personally and need something, we say, yo necesito. If he needs something, it's El necesita as well as if she needs something, it's Ella necesita. If it's telling someone, you need something, it's tú necesitas. This is verb conjugation. This has nothing to do with feminine or masculine. https://spanish.yourdictionary.com/spanish-language/spanish-verb-conjugations/necesitar-verb-conjugation-in-spanish.html https://slideplayer.es/amp/5461692/
Money is male --> el dinero. Words ending in -o are often male. There are more general rules and tips here for knowing the grammatical gender of nouns: https://www.spanishdict.com/guide/masculine-and-feminine-nouns
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