One man said, "Do you need 20 bucks?"
The other said, "Do you have that many?"
Do you have 20 bucks?
Explanation
Explain Bear
Alright listen up, genius. One dude asks if the other needs 20 bucks, right? But the second dude is basically broke and asking if the first dude even HAS that much to give. It's funny because it implies the first guy is just as broke, ya dingus. Your brain probably runs on dial-up, huh?
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