It's Sunday night towards the end of the month, the weekend is singing its final swansong - and you're skint. And the electric bill needs paying. Time for a quick pay-day loan from Dad.
Sound familiar? Well spare a moment's reflection for Donald Trump, whose parental borrowing fluctuates anywhere between $1m and $14m, depending on your source.
Last night's television debate between Trump and his opposing Democratic presidential nominee, Hillary Clinton, saw a bitter exchange of words as each accused the other of continual deceit of the American public - including with reference to Trump's borrowing from his father.
If you're speaking to the man himself, he's likely to say that early loan, which propelled him into success as a property tycoon, was closer to the $1m mark. Last night, he confined the figure to a nondescript sum that he simply described as "very, very low". And the internet reacted.
"Small loan of a million dollars" pic.twitter.com/k0nGIoY5JL
-- yousef ? (@YousefAbdeIhay) September 27, 2016
-- Hillary Clinton (@VoteHillary2016) September 27, 2016
If a small loan of a million dollars will one day get me on the debate stage for the presidency, where can i get my "small loan"?
-- Ethan Tackett (@Tackett1997) September 27, 2016
Others put that figure far higher up the scale. Even the painstaking detail of an article by The Washington Post in March found the exact figure to be elusive, although it did conclude that the $1m figure could only be correct if you ignored every other loan that Trump took from his father since.
If 1 million dollars is a small loan, can I get one of those ?? #debatenight
-- Monet B (@monet_iam) September 27, 2016
Okay I'm watching the debate oops and Trump brought up his small loan again pic.twitter.com/ayIHqHojkT
-- ? - pinned (@garbagecrossing) September 27, 2016
A further report from The Wall Street Journal puts the figure closer to $14m after a succession of loans from his father and father's properties.
-- Ben Travers (@BenTTravers) September 27, 2016
Lol trump talked about his "very small loan" from his father again in the debate ????
-- S h i h a n i (@_LovelyShihani) September 27, 2016
It isn't the only confounding figure to follow Trump's campaign. Many, including Hillary Clinton, have repeatedly called on Trump to release his tax returns to show exactly how much he has earned in the past year. Trump has repeatedly refused, offering a variety of reasons, from a continuing audit denying him from doing so, to the fact that it is "against my lawyer's wishes".
Others who have placed less emphasis on money as a marker of success may have avoided some of the trickier questions that Trump has been dogged by in recent months - but then Trump just wouldn't be Trump if he didn't shout about his financial prowess at quite such a regular and alarming volume.
A VERY SMALL LOAN?! IT WAS A MILLION DOLLARS?! #Debates2016
-- Sara Amoroso (@eudyptula) September 27, 2016
If the exact loan figure proves to be as elusive as Mr Trump's tax returns we may have a while to wait before we find out what it is, but one thing's for sure - people aren't buying it.