Stumped up and got ready for the grave (4,3)

I believe the answer is:

laid out

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'stumped' is the definition.
The answer and definition can be both related to thinking as well as being past participle verbs.
Perhaps you can see a link between them that I don't see?

I don't understand the rest of the clue.

Can you help me to learn more?

(Other definitions for laid out that I've seen before include "arranged" , "boxer risks being this" , "Dispatched boxer perhaps" , "Spent" , "Paid" .)

I've seen this clue in the Sydney Morning Herald.

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