And it's hippity-hop to the bucket shop
I've lost all my money, and now I have flopped
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
Well, this is the truth and it certainly exposes
Wall Street proposition was not all roses
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
I put up my money to win some more
I lost all I had and it left me so sore
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
I thought I would drink to wear it off
Bootleg's so high that it's left me worse off
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
If they catch you with the whiskey in your car
You're handicapped, and there you are
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
They'll take you to jail and if you can't make bond
Content you'll sit there, boy, you're certainly at home
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
I've got no silver and I've got not gold
I'm almost naked and it done turned cold
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out
You ask that judge to treat you well
You offer hundred dollars, he'll send you to Atlanta
REFRAIN: It's hard time, pitiful, boy, it's hard time
When you down and out