L.Y.B.B.
L. Y. B. B. is when you were so broke last year you probably thought the sky was going to fall because you had no money.
'L. Y. B. B. I thought the sky was going to fall because I had no money and my life was falling apart.'
'L. Y. B. B. I thought the sky was going to fall because I had no money and my pants were falling apart.'
'L. Y. B. B. I thought the sky was going to fall because I had no money and my lunch was falling apart.'