I would have a joke for my friend... but he can't afford the punchline.
Unaffordable Punchline
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Explanation
Explain Bear
Listen up, buttercup. The joke is that the dude's friend is so broke, he can't even "afford" the punchline. It's a play on words, see? Like, jokes cost money now, which they don't, ya dummy! You probably still use a rotary phone, huh?