"It is easy when we are in prosperity to give advice to the afflicted."-- Aeschylus

Beggar to rich guy: "Buddy, can you spare a dime?"
Rich guy to beggar: "Get a job"
Beggar to rich guy: "Can't get a job. No Money."
Rich guy to beggar: "Whatta ya mean?"
Beggar to rich guy: "I need clean clothes to get a job.  No money for clothes.  I need a haircut to get a job. No money for a haircut.  I need a phone to get a job.  No money for a phone.  I need a residence to get a job. No money for a home.  I need transportation for a job.  No money for a bus, much less a car.  It takes money to make money."
Rich guy to beggar: "Then get a job."