“I’m having an out-of-money experience” (a pun on “out-of-body” experience) is a popular expression on gift items such as T-shirts and bumper stickers.  “I’m having an out-of-money experience” was the caption of a New Yorker cartoon published on April 22, 1991. “I’m Having An Out-Of-Money Experience!” was advertised for a T-shirt saying in the May/June 1991 issue of Mother Jones magazine.
   
   
Condé Nast Store
“I’m having an out-of-money experience.” - New Yorker Cartoon by Bernard Schoenbaum Item #: 8473580
Published April 22, 1991
Bank officer to man.
 
Google Books
May-June 1991, Mother Jones magazine, pg. 81, col. 1 ad:
I’M HAVING AN OUT-OF-MONEY EXPERIENCE!
Unique T-shirts 100% cotton, sizes I or XL.
 
Google Groups: rec.music.folk
Newsgroups: rec.music.folk
From: .(JavaScript must be enabled to view this email address) (Chris Sullivan)
Date: 11 Sep 91 16:01:54 GMT
Local: Wed, Sep 11 1991 12:01 pm
Subject: Re: lumberjack song (lyrics to Logdrivers Waltz)
 
“I’m having an Out of Money Experience”  - New Yorker Cartoon
 
12 December 1991, Orlando (FL) Sentinel, “Bumpers spread the word on what society is feeling” by Linda Shrieves, pg.  E6:
One of the most popular stickers during the recession, Ingoglia said, has been one that reads: “I’m having an out-of-money experience.”
   
15 February 1995, St. Petersburg (FL) Times, “Tampa’s neighborhoods rise as Gerald flips” by Paul Wilborn, pg. 1A:
Word from the rear: A bumper sticker seen in downtown Tampa on Valentine’s Day - “Help, I’m having an out-of-money experience.”
 
New York (NY) Times
Live Large, Think Big, Skip Town
By BEN FOUNTAIN
Published: October 9, 2010
Dallas
(...)
A few potential buyers wandered through, one sporting an “I’m Having an Out of Money Experience” T-shirt.
 
Washington (DC) Times
Inside the Beltway
By Jennifer Harper
Monday, September 5, 2011
BUMPER PATROL
“I’m having an out-of-money experience.”
-Bumper sticker spotted in Frederick, Md.