Logic problem, I can't wrap my head around it

Question

Someone has 100,000 yuan and needs to pay a toll every time he crosses the intersection. The rules are:
1. When the cash is > 50,000, pay 5% each time
2. When the cash is < 50,000 When paying 5000 each time
Answer: Calculate how many intersections the person can pass

Answer 1

$money = 100000;
    $count = 0;
    for ($count=0; $money > 5000 ; $count++) { 
        if ($money > 50000) {
           $money = $money * 0.95;
        } else if($money <= 50000) {
            $money -= 5000;
        }
        echo '当第'.($count+1).'次经过这个路口时，剩余金钱'.$money.'<br>';
    } 
    echo '<hr>';
    echo '一共可以经过'.$count.'次';

Answer 2

$money = 100000;
$num = 0;
do {
	$money = $money - $money * 0.05;
	$num++;
} while ($money > 50000);
while ($money >= 5000) {
	$money = $money - 5000;
	$num++;
}
echo 'Num: ' . $num;

By the way, where are the rules and fees so high?

Answer 3

First draw a rough outline, and then slowly write the logic, it will not be difficult to understand

Answer 4

$money = 100000;

$num = 1;

if($money > 50000){

//Pay 5%

}else{

//Pay 5000

}