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This phrase is used to say that girl is a 5 out of 10. This phrase can be re-phrased with any amount of pennies.
Guy 1: Hey man, what do you give that chick right there.
Guy 2: Man... she's like a nickel short of a dime...
Guy 3: Hell nah... Shes like a nickel and three pennies from that $h!t.
by Day Dreama July 04, 2007
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