Lay-Away At The PawnShop Ass Nigga

refers to an individual who is financially constrained to the point where, when they visit a pawnshop to purchase items, they must opt for a layaway plan, allowing them to pay for the items in installments, reflecting their limited budget and financial circumstances.

Josh: Hey Rocko, have you noticed how Drew has been acting lately?

Rocko: Yeah, he's been a bit strange. What's up?

Josh: Well, I hate to say it, but I think Drew's turning into a "lay-away at the pawnshop ass nigga."

Rocko: Really? How do you figure?

Josh: Last week, he told me he had to put a microwave on layaway at the pawnshop just to afford it.

Rocko: Man he is always broke!