How to Talk About Being Broke in Real Chinese?

吃土 (Chī tǔ) – broke after spending
月光族 (Yuè guāng zú) – paycheck to paycheck
穷到发慌 (Qióng dào fā huāng) – panic-level broke
钱包空了 (Qián bāo kōng le) – wallet is empty
剁手后遗症 (Duò shǒu hòu yí zhèng) – regret after shopping
精打细算 (Jīng dǎ xì suàn) – budget carefully
能省就省 (Néng shěng jiù shěng) – save wherever possible

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