For his birthday, little Billy asked for a bicycle. His father said, "Son, we'd give you one, but the mortgage on this house is $180,000 and your mother just lost her job. There's no way we can afford it."
The next day the father saw Billy heading out the front door with his backpack stuffed with clothes, so he asked, "Son, where are you going?"
Billy told him, "I was walking past your room last night and heard you telling mom you were pulling out. Then I heard her tell you to wait because she was coming too. Sorry, but there's no way I'm staying here by myself with an $180,000 mortgage and no bike!"