One who hums reggae saving money, by the way (8)

'one who hums reggae saving' is the definition.
I don't know anything about this answer so I can't tell whether this works.

'money by the way' is the wordplay.
I cannot really understand how this works, but
'money' could be 'tin' (old-fashioned slang term for money) and 'tin' is located in the answer.
'way' could be 'rd' (short for road) and 'rd' is located in the answer.
The remaining letters 'ska' is a valid word which might be clued in a way I don't understand.
This may be the basis of the clue (or it may be nonsense).

Can you help me to learn more?