A day late and a dollar short - A fancy way of saying you're so clueless and broke you're li

A fancy way of saying you're so clueless and broke you're like a pizza that's been left out in the rain.

My friend waited for the job offer and got it too late. He was a day late and a dollar short.

I waited for my paycheck and ended up eating my savings. I was a day late and a dollar short.

My sister waited for her chance to be cool and ended up being the last one to know. She was a day late and a dollar short.