I'm not calling you a slut, I'm calling you a penny: two-faced, worthless, and in everyone's pants.
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Explanation
Explain Bear
Listen up, you silly goose! This "joke" is just someone being mean and dressing it up. They're calling someone a "slut" but then try to soften the blow by saying they're just like a penny: two-faced, worthless, and in everyone's pants. Get it? It's still an insult, just a roundabout one. And you thought you were smart!