I'll tell you a little story
man roaming the streets
The one with raggedy clothes
The one you ignore to see

I'll tell you a little story
man i used to know
Smelling oh so bad
People laugh at him

DOWN AND OUT
Call him what you'd like
Penniless and broke
Destitute for life
DOWN AND OUT
Without a roof tonight
Wandering around
His life is in [bad word] 

I once knew a man
Who's life was doing fine
Got himself a degree
and a fine looking wife

I once knew a man
Put a mortgage on a house
Bought a nice car
And friends were all around

Cloudy days [bad word] 
Getting laid of is all part of life
Losing, first your house
Your wife is next line

Cloudy days [bad word] 
No friends are to be found
The life you once had
Is taken just like that!

DOWN AND OUT
He was once one of us
Life can take a turn
Life can be unkind
WHO'S CONCERN
How about you and me
Think for a minute
It can happen to anyone!