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1.
A regular shirt that has had both the sides cut off using scissors. Looks like a poor quality muscle-T.

Originated in Sonoma County, CA and has spread throughout the county high schools. Mainly wore by the jocks; football & basketball players.
Joe: I feel like making a new cut-off shirt today.

Devon: Another? Didn't you make like 2 last night?

Joe: Yeah, but I could use some new ones.
by Iwear Cut-offs July 17, 2012