A grumpy old man who can't be bothered with anything, has all his life been in a bad mood, and generally, has a dark cloud over his head.
You, Mr. Smith, are an old blusterfuck! You have been in a bad mood for forty years, can't be bothered with anything, and you steal my happiness every time you darken my door.
When finance content creators rent out fancy cars and flexcash to seem richer than they really are in order to promote and sell their “get rich quick” courses.