"Stems and seeds" refers to the hodge-podge of loose change one has prior to being COMPLETELY broke. To clarify, 'stems and seeds' are NOT the huge containers of change that people gradually compile; rather, the term applies to the usually worthless (i.e., mostly pennies) coins you're down to right before payday.
"Anyway, we stopped to grab a draft on the way home from work, like we usually do. Dumb-ass me forgets I'm broke, and I order the first round. At the exact moment I saw the barmaid turn the corner with a trayfull of tall-boys, it finally dawned on me that I was down to my 'stems and seeds.'
a social/fashion trend in recent years where American women (especially ditzty teens and freshly-turned drinking age hotties) seek out any/all African-American males. Said chicks then IMMEDIATELY "go public" with their 20 carat "black diamond" by spending every second of their lives 'showing off' their man (or baby-daddy, or whatever she passes him off as to the entire world).
"Did you see that skanky blond booger-hog struttin' around the club showing off her new Black Diamond, all-like she was the f------ Queen of England an' shit?"