So, let's say I have 4 nickles and 8 dimes. How many cents do I have?
I have 5(4) = 20 cents plus10(8) = 80 cents, or 5(4) + 10(8) = 100 cents. Yes, that's one dollar, but the question is about cents.
Instead, we have w nickles and y cents. What does that look like? With variables, we use shorthand for multiplication and just say 5w + 10y.