A bum, who obviously has seen more than his share of hard
times, approaches a well-dressed gentleman on the street.
"Hey, Buddy, can you spare two dollars?"

The well-dressed gentleman responds, "You are not going
to spend it on liquor are you?"

"No, sir, I don't drink," retorts the bum. "You are not
going to throw it away in some crap game, are you?" asks
the gentleman.

"No way, I don't gamble," answers the bum. "You wouldn't
waste the money at a golf course for greens fees, would
you?" asks the man.