I'll tell you a little story 
A man roaming the streets 
The one with raggedy clothes 
The one you ignore to see 

I'll tell you a little story 
A man i used to know 
Smelling oh so bad 
People laugh at him 

DOWN AND OUT 
Call him what you'd like 
Penniless and broke 
Destitute for life 
DOWN AND OUT 
Without a roof tonight 
Wandering around 
His life is in a rut 

I once knew a man 
Who's life was doing fine 
Got himself a degree 
and a fine looking wife 

I once knew a man 
Put a mortgage on a house 
Bought a nice car 
And friends were all around 

Cloudy days will come 
Getting laid of is all part of life 
Losing, first your house 
Your wife is next line 

Cloudy days will come 
No friends are to be found 
The life you once had 
Is taken just like that! 

DOWN AND OUT 
He was once one of us 
Life can take a turn 
Life can be unkind 
WHO'S CONCERN 
How about you and me 
Think for a minute 
It can happen to anyone!