I listened to and wrote the above audio down, and I couldn’t catch there was ‘d’ in ‘funds.’ Is there no pronunciation difference between ‘funs’ and ‘funds’? If there is, how to pronounce differently?
"Funs" is an verb form, likely infrequently used:
He funs around every weekend.
So it would be grammatically incorrect there and also makes no sense in the context.
What I hear is the "d" covered over by the end of the "n" and the beginning of the "s". (Perhaps partly due to the speakers Aussie accent.)
As far as the sound difference, it depends on the speaker - s/he may or may not subtly articulate part of the "d" sound. It could well sound the same. However, since "funs" as verb is likely far less common, it would be unlikely that the two would be confused in context.