What does out of pocket mean? The answer splits down racial lines. Among many African-Americans, if someone’s out of pocket, they’re out of line or unruly. For most non-African-American speakers, out of pocket is primarily used in business settings, meaning that someone is either unavailable or out of the office, or they’re paying for something with personal money, with an expectation of being reimbursed later. This is part of a complete episode.