Intro: G  D  G     D  G 
  
verse 1: 
                              C      G 
Well, it's hippity-hop to the bucket shop 
                        D          G 
I lost all my money and now I have flopped 
          
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


verse 2: 
                               C           G 
Well, this is the truth and it certainly exposes 
                             D       G 
A Wall Street proposition is not all roses 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


verse 3: 
                     C        G 
I put up my money to win some more 
                        D          G 
I lost all I had and it left me so sore 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


Instrumental: G  D  G     D  G 


verse 4: 
                   C       G 
I took to drink to wear it off 
                                  D             G 
But the bootleg's so high that it left me worse off 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


VERSE 5: 
                               C       G 
If they catch you with whiskey in your car 
                       D         G 
You're handicapped and there you are 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


VERSE 6: 
                                 C               G 
They'll throw you in jail and if you can't raise bond 
                                 D      G 
Content yourself there, boy, you are at home 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


Instrumental: G     C  G     D  G            D  G     D  G 


VERSE 7: 
                       C      G 
Got no silver and I've got no gold 
                     D           G 
I'm almost naked and done turned cold 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 


VERSE 8: 
                            C         G 
You plead with the judge to treat you well 
                                        D             G 
You offer a hundred dollars, just don't send you to Atlanta 
                      
And it's hard times, pity poor boy 
                            D        G 
It's hard times when you're down and out 
            D        G 
When you're down and out