This was the conversation:
J - I did my manicure last night.
T - Oh nice.
J - Not too nice, I have cut all of my 20 fingers.
T - 20 fingers? interesting..
J - It's sad! I am not good at 'hand jobs'!
T - Really?
J - Yeah
T - Do you know what you just said me? That you were a monkey, and you weren't good at male masturbation.
J - What???
T - Yes, just monkeys have 20 fingers, humans have 10 fingers and 10 toes. And hand jobs is a slang to male masturbation, you should have said that you weren't good at working with your hands.
We laughed a lot after that.
Typical case of "watch your mouth'.