Chad Johnson -- I'm Unemployed, But I'm Still Rich!

You're former NFL star Chad "Ochocinco" Johnson and no NFL teams will hire you ... your life must suck ... except is doesn't, because you're still RAKING IN OVER $66,000 A MONTH!!!!!

Chad recently filed legal docs in Miami County Court ... outlining his current financial situation. It's all part of his ongoing child support fight with one of his baby mamas.

In the docs, Ocho says he pulled in an average of $66,104.66 a month for 2012 ... despite not having an NFL salary. Ocho says he earned the cash through "self-employment, partnerships, and/or independent contracts."

And there are more riches ... Chad lists more than $1.28 million in real estate assets, $600,000 in cars, $75,000 worth of furniture, $40,000 in jewelry ... and practically NO DEBT.

As for expenses ... he shells out over $16,000 a month in child support (for another baby mama) $5,000 monthly on entertainment, $3,500 on clothes, $1,000 on pet expenses and $250 on personal "grooming."