A joke about wanting to spend the holidays without money.

A monkey died and went to visit hades. He asked to be reincarnated. Hades said, "Since you want to be a human being, you must pull out all your hair." Then he summoned a witch to pick one. Monkeys can't stand pain. Hades smiled and said, "How can you be a man if you refuse to pull out a hair?" Later, people used "penniless" to describe a very selfish and stingy person.