chips are down

A situation is getting worse

The chips are down for you at this point for stealling moneyy from your mom

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when the chips are down

at the final, critical moment; when things get difficult.

When the chips are down, I know that I can depend on you, my friend

chip down

to chip in with money to share something commonly used for weed, alchohol, etc

Joe - Yo i got a dub right now who got chip downs ?
cacey - Im chipping down 5$

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