He's so ghetto cuz he picks treasure from the trash, and doesn't wash them. If he were ghetto fab he would wash them before taking them inside the house.
She hand-rolls her cigerettes with a $2 roller, that's ghetto fab. If she were ghetto, she'd be too po' to buy a roller.
Washing clothes by hand, using laundry detergent is ghetto fab. This is better than ghetto, which would be hanging them outside to 'air out' instead of washing them properly.
...and the list goes on and on .... I think you get the picture :)