1) Your waiter not only shreds your credit card, but he also feels compelled to spit on you.

2) Your kids are so used to food stamps that they think that it's the U.S. currency.

3) Not only is your car repossessed, but your bus pass is revoked.

4) Ethiopian kids cry when they're told of your situation.

5) Your mom is so used to speaking to your debt collectors that she actually feels compelled to send their kids a birthday card.

6) You've actually asked a homeless person if they can spare some change.

7) You routinely fight with the neighborhood cats over the milk saucer that your neighbor leaves outside for strays.