A day late and a dollar short - A way of saying you're so stupid and broke you're like a soc

A way of saying you're so stupid and broke you're like a sock that's been lost and has no cash.

I waited for the job and got it too late. I was a day late and a dollar short.

My friend waited for the money and ended up with nothing. He was a day late and a dollar short.

I waited for my turn at the game and lost it. I was a day late and a dollar short.