Readings & Meanings:
I found this counterfeit coin in the vending machine.
At the auction I bought some gold coins.
The freight train passes through here.
The radical is 貝, Kai-hen, the standard "goods" radical, as explained in these other blog posts (except for the last one).
The phonetic element, from which 貨 gets its "ka", is the one we just learned, 化, meaning "transformation."
As 貨 is more for commodities, which are objects that signify a monetary value, 化 + 貨 = money transformed into goods