I heard about this expression last Saturday at a party.

Problem:
The fourth word is incorrect.

Explanation:
My friend Nickie F. sent me more information about this expression.

She said that a friend was describing her daughter’s solution to a bath-time dilemma when the friend said, “She had gotten so tired of getting shampoo in her eyes that the next night, I walked into the bathroom and found her in the tub wearing her pool gargles to keep the shampoo out.”

As all readers should recognize, the word after “pool” should be “goggles” instead.

The speaker apparently was accustomed to mispronouncing “goggles” as “gargles”.

Sometimes one must “squint one’s ears” at what is being heard to identify what the speaker intended to say.

In this case, though, no ear squinting is required.

Solution:
“… wearing her pool goggles …”