A person is in "bum mode" when they're in the process of stacking cash and limiting spending on non-necessities almost completely.
Bum mode: X has $50,000 in the bank but still wears busted 5 year old shoes and has 2 pairs of jeans.
The act of waking up late in the clothes from the previous day and continuing to wear them, not shaving, skip showering and most other daily hygiene practices, then interacting socially or to go into public for a majority of the day
(may also be a state of being, and normally a person will enter bum mode in the presence of good friends)
causes can be sleep deprivation, hangover, late night of work or gaming, and/or just plain laziness.
I was up so late last night, i decided to go bum mode until work later
Why'd you invite them over? Im in bum mode
Im was so tired when i woke up i decided to go bum mode for the day