When someone is to be described as "ghetto" - it is used to describe that persons STATE OF MIND. "Ghetto" is a derogatory term used towards individuals who lack the standards of manners and ethics.
That tshirt is so "ghetto"
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Get the sophisticated flamingo ghetto mongoose dinosaur guy mug.When you sleep through your alarms and your friends come over to wake you up by banging on your bedroom window.
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