Wikipedia says, "According to songwriter Bob Gaudio, the recording was inspired by an occasion involving homeless children who, at stoplights in the city, would run into the street and clean windshieldsfor spare change. In the Hell's Kitchen, Manhattan neighborhood, a young girl with a dirty face and wearing ragged clothes approached Gaudio's automobile. When he reached into his wallet to pay her, he found that none of the notes were smaller than $10. He gave the girl a $10 bill. (Some accounts indicate that it was a $5 bill.) "The image of her stuck in my head until I wrote 'Rag Doll'", Gaudio recalled in a 2009 interview."