Hey man, the phrase is "quote, unquote". As in you're explaining that you're putting quotes around something you're saying. It's not "quote-on-quote", which doesn't make any sense but could be easy to confuse for the correct phrase if someone is saying it really fast.

I agree wit your 21 coins...1 in a million is a hot place to be! And if you have 21 coins now you're actually 1.5 in a million (since only 14 million coins exist right now)!