In this sentence :
"You also learn what it takes to make money: a lot of effort.”
The main verb is "learn". The verb Takes is also a verb but since it is within the next clause and it is the verb of the Cataphoric refrence "it" such verb cannot be considered the main verb of the sentence.
So your final aswer is Learn.
Do you have a pic of the excerpts and characterizations?
Answer:
The mood here is one of uncertainty, the character is not exactly afraid but he is most certainly in an unknown place. His first reaction is to take in his surroundings and analyze his position. This shows ,in this scene at least, that the character is not one to be scared of unusual circumstances.