Broke

I am broke.
I am so broke.
I’m flat broke.

Broken adj. 心灰意冷，颓废的
He was a broken man after his wife died. 妻子死后他成了个颓废的人。

Bankrupt

形容公司，企业或个人比较正式的破产
Bankruptcy n. 破产的状况
Go bankrupt/declare bankruptcy
口语化的表达

Go under 破产，倒闭
Go belly-up 破产，失败

在美国社会的特殊表达法
Forever 21 filed for chapter 11. Forever 21 申请破产。

钱用完
I’m running out of money. 我的钱快用完了。
I have run out of money. 我的钱已经用光了。

没钱的
I’m pretty tapped out after the holiday.
过完这个假期我就彻底没钱了。
不能说money tapped out.

表示把钱花光，用完
Casino cleaned me out. 我在赌场把钱输光了。

My bank account is not very happy.
Bank account dried up.
银行账户枯竭。

一贫如洗的
She fell in love with a penniless artist.
她爱上了一个一贫如洗的画家。

Debt 借款，欠债
Credit debt 信用贷款
In debt up to my eyeballs 负债累累

Payday loan 发薪日贷款
以个人信用为担保，承诺在发薪水后立马偿还

Loan shark 高利贷者
Keep away from that guy. He is just a loan shark.
离那人远点，他是个放高利贷的

Checking account 活期账户，可随时存取，没有次数限制，但利息很低
Savings account 储蓄账户，存取次数有限制，但可获得较高固定利息的收入

Save up 储蓄
She’s saving up for a new bike. 她正在存钱，想买一辆自行车。

雨天基金，应急基金
A rainy day fund should cover about three months of income.
应急基金应该得有三个月左右的收入

雨天指代困难时期，也可以指emergency fund