三更窮五更富 (saam1 gaang1 kung4 ng5 gaang1 fu3) — lit. poor at 3 o'clock and rich by 5, meaning one who has no financial planning, and spending all of what one's earn quickly in Cantonese
saamˉ¹三gaangˉ¹更kungˎ₄窮ngˏ₅五gaangˉ¹更fu˗₃富简 三更穷五更富
Mandarin Pinyin: san1 geng1 qiong2 wu3 geng1 fu4
Meaning of 三更窮五更富
nounlit. poor at 3 o'clock and rich by 5, meaning one who has no financial planning, and spending all of what one's earn quickly