"Aren't you cold working outdoors. It's freezing this morning."
"Miss, when you're broke, it's much colder in July."
Years ago, a sweet old lady on her way to work at 6:00 a.m. saw me working in the street in zero degree weather in January. Showing concerned, she approached me and in her own pleasant way tried to tell me I should seek shelter.
After being unemployed and broke for about six months, I had just started working at a decent paying job and was getting back on my feet. The second quote was my response to her compassionate words.
Personally, I think being broke ( for a while anyhow) is a wonderful teacher. In fact, it is most likely the best guru an individual may find. Being broke provides the opportunity for a person to distinguish true friends from hanger ons. And if a person whose broke should ever meet a mate while in that penniless state, then he (or she) should consider himself in the "luckiest person alive" group. Because when somebody loves you for who you are (especially when you're flat broke) and not what you have, life becomes sweeter.
I think being broke is one of the best experiences an adult could have in his or her lifetime.