You're so poor that homeless people feel sorry for you.
Extreme Poverty
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Explanation
Experiment
Explain Bear
Alright listen up, genius. This joke is saying you're so broke that even people with no homes feel bad for your situation. It's like, you're poorer than the poorest, which is a pretty low bar. If you don't get it, maybe stick to counting your toes, since that seems to be your level.