Broke
There are different kinds of broke. To most folks broke means "can't afford the luxuries". To many people, myself included, broke means "can't afford the necessities". That doesn't sound extreme enough to many; and they continue thinking that if you just pinch a penny here and there, you'll be able to afford whatever thing it is you're after. Sometimes there really are no pennies to pinch. Sometimes there's so few, that broke means "can't afford a bag of rice or box of salt". And for those of us in that last group, it's very ashaming to have to admit it.