How to Say "penniless" in Spanish
The most common Spanish word for “penniless” is “pelado” — use 'pelado' when you want to express that you have absolutely no money, often in an informal, everyday context..
pelado
/peh-LAH-doh//peˈlaðo/

Examples
No puedo salir, estoy pelado.
I can't go out, I'm broke.
No puedo ir al cine, estoy pelado.
I can't go to the movies, I'm broke.
Después de las vacaciones nos quedamos pelados.
After the holidays we were left penniless.
Always with 'Estar'
Since being broke is usually a temporary state, always use 'estar' or 'quedarse' (to end up), never 'ser'.
Confusing with 'nude'
Mistake: “Estoy pelado (thinking it means naked).”
Correction: In a financial context, it means broke. If you want to say naked informally, use 'en cueros' or 'desnudo'.
roto
ROH-toh/ˈro.to/

Examples
No puedo salir, estoy totalmente roto este mes.
I can't go out, I'm totally broke this month.
Después de la noticia, ella quedó rota, sin palabras.
After the news, she was devastated, speechless.
Emotional States
When describing feelings or mental states (like being exhausted or heartbroken), Spanish always uses 'estar' with 'roto/a' because it describes a current, temporary condition.
Pelado vs. Roto
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