Not overheard at work, but when I was in grad school I shared a house with 5 other people (total firetrap ancient house, but the rent was $200/month!). One of my roommates would come home from her minimum-wage job as a CNA (tough work), smoke a joint (a whole joint) and eat a pint of Ben & Jerry's ice cream while watching her giant TV in her room. Then she'd come out to the living room and complain about how she was fat and broke. (She was both of these things, but apparently never put two and two together.)
Her sister, another roomate, worked in a bank and was clever. However, she was furious with her parents for not putting her through college "the way other kids' parents do." She hadn't gone to college because she "couldn't afford it." That's true, but only because she partied every weekend and spent more on dry-cleaning in a month than I lived on. And the dirt-cheap-and-very-good community college was a short drive away....
Between them, these two sisters had so much debt that we got 5 or so phone calls from collections agencies a DAY. (Cell phones weren't ubiquitous yet). So they paid for caller ID ($15 extra per month) so that they could look and see who was calling before answering it. I explained that if they took that $15 per month and used it to pay off their debts (via a snowball), the collections agencies would stop calling.
Got blank looks for that piece of advice, too.
I am so glad I moved out of that house.