Went the hard route without using a macro... Because apparently I enjoy pain...
But at least I ended up with a nice art piece! 😛
Although I didn't include a piggy-bank icon - solution is similar to NJ's ( @NicoleJohnson ), but did do both an easy and hard solution for the exercise.
My solution below:
Thinking outside the Transpose/Join/Crosstab box was fun. Though I avoided the Find Replace cause I think of it as a join tool now!