If I had a coin for every time someone said, "If I had a coin," I'd still be living paycheck to paycheck.
The Coin Shortage
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Explanation
Explain Bear
Listen up, buttercup. This joke is for all you broke folks out there. Basically, the dude is saying that even though a lot of people say "If I had a coin," it ain't actually that many coins. You'd still be hustling for every dollar. So, get your head out of your bum and grind, you filthy animal.