I think that if a clown were ever forced into going in for a financial counseling session, it would play out something like this:
(Financial counseler is to be represented as FC, and clown as C)
FC: "So according to your financial statement, you spend over 500 dollars a month on balloons."
FC: "You cite those purchases as business expenses. Am I to understand these balloons are part of your act, therefore a necessary expenditure for your source of income?"
FC: "Well here's my concern: It states here, you make these large purchases on balloons, but with every paycheck you earn- now correct me if I'm wrong- you buy...more balloons."
C: "That's right."
FC: "Wouldn't the appropriate thing be to allocate that income to, say, bills, and other cost-of-living expenses?"
C: "But I'm a clown."