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The speaker discusses humorous examples of how people can be considered "ghetto." They mention using other people's phones as their own, downloading apps on borrowed phones, and having unconventional names like Rio and Stick. The speaker also jokes about someone being called Junior without knowing their father's name. The overall tone is light-hearted and comical. Man, you know how you know you're ghetto when you use other people's phones as your phone? You know, you'd be like, hey, I need your phone to make a call. Sure, go for it. Like, you know, you download a TextNow app and you'd be chillin' and all of a sudden their phone's getting phone calls for you. I mean, hey, hey, hey, hold up. Who's calling me? What do you mean, who's calling me? Yeah, I borrowed your phone to download an app. What? You install apps on other people's phones to use them as your phone because you're so ghetto you don't have a phone. See, I'm ghetto because I don't want a phone. I have a phone. It's right there, brand new. I just don't like talking to people, so I don't use it. I got a cousin. He named his son Rio. Excuse me, he named his son River. He gets all mad when I call him Rio. Don't call him Rio. His name is River. River. I like Rio better because it sounds real stupid. What's up with these dumbass names? Rio. That's ghetto. Rio. River. Trying to sound all fancy or some shit. He named his son the fucking Stick or Pebble. You know? He called his son River. What's wrong with Stick? My boy Stick right there. I got my daughter. Her name is Pebble. I went and named my son Rock, but then I relapsed. You know what I'm saying? Can't be doing all that. Yeah, man, ghetto people crack me up, ghetto people. You know how you know you're ghetto? If your name is Junior, but you don't even got a dad. Like, what? My name is Junior, J-U-N-I-O-R. Junior. Junior. But what's your dad's name? I don't know. I never met him. So how the fuck are you a Junior then?