Yeah... I'll try to answer both questions. ^^
YTtalk fake forum money:
YTtalk forum cash is fake money, not real money. It is earned by replying with quality posts that are at least 60 characters in length. You can access your YTtalk cash from the "Bank" in the top menu bar:
In the bank tab, you can access the transfer money section:
This allows you to transfer YTtalk cash to other members, if you want. This is usually done if a member has been particularly helpful, or if there has been a payment agreement in YTtalk Cash for something.
The other main purpose for YTtalk cash is to buy advanced memberships. The memberships are purchased with Yttalk cash in the "shop" in the top menu:
These memberships unlock all sorts of neat things, such as posting videos in the videos/channels forum. More about YTtalk Cash and the VIP membership can be found here:
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YouTube real money:
YouTube Analytics shows an estimate of how much "real money" you have earned from your videos. To see how much you have earned, check out your Analytics:
and click on "Revenue" on the left menu. From there, you will be able to see how much money you have made from your videos. YouTube does not send a payment until you have earned at least $100 total. You should have signed up with either PayPal or a checking account number to implement YouTube's Adsense on your videos. The money will be sent there when you have earned at least$100 from your videos. ^^
I hope that sort of helps!