Polite words for "broke"

This euphemism for "broke" comes from today's Wall Street Journal:


"Mr. Bernanke said much the same to the House committee, noting that studies "suggest that people of lower income or those who are 'liquidity constrained' are more likely to spend in the near term."

""Liquidity constrained" is a euphemism for broke and at the end of the line when it comes to borrowing. Many of those consumers would take on more debt if creditors let them, and they have a higher propensity to spend rebate checks."