"No down payment seminars" joke

There's the story about the man that walks into a house of ill
repute in Reno and says, "I'll give $20,000 to any woman here who'll
come into the desert with me and do it MY way."
One of the ladies agrees, and off they go driving into the desert.
After about an hour she gets curious, and asks him "Just what is
your way?"
"On credit."