30 Things To Say When Someone Calls You “Broke”

Picture this: you’re at a gathering or scrolling through your social media when suddenly, someone decides to point out your financial situation by calling you “broke.” This word, so casually thrown around, can sting, especially when your financial journey is full of ups and downs.

However, the power of words lies not just in what is said, but also in how you choose to respond. In moments like these, your reply can either escalate the situation or turn it into a moment of strength and reflection.

Whether you’re looking for a witty comeback, a thoughtful response, or a way to shift the conversation, this guide offers a variety of ways to handle being labeled as “broke” with dignity and grace.

What to Say When Someone Calls You “Broke”

what to say when someone calls you broke

1. Money isn’t my only measure of success.

This response is ideal for reminding both yourself and the other person that wealth isn’t the sole indicator of a person’s value or achievements. Use this when you want to shift the focus from financial status to other aspects of success, such as happiness, relationships, or personal growth.

2. I’m investing in experiences, not just things.

Choose this comeback when you want to highlight the value of experiences over material possessions. It’s a great way to frame your financial choices as intentional and meaningful, rather than simply a matter of circumstance.

3. Wealth comes in many forms, and I’m rich in what matters.

This reply emphasizes the idea that wealth isn’t only about money. Whether it’s friendships, family, or personal satisfaction, this response reminds others that you value and find richness in aspects of life that money can’t buy.

4. I’m focusing on long-term goals, not just immediate gratification.

Use this response to indicate that your financial decisions are part of a larger plan. It suggests patience and foresight in financial matters, positioning you as someone who thinks ahead rather than someone who is simply “broke.”

5. My worth isn’t defined by my bank account.

When you want to assert your self-esteem and remind others (and yourself) that financial status doesn’t equate to personal value, this is the reply to use. It’s a powerful way to reclaim your dignity in the face of financial shaming.

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6. I prefer to live within my means rather than beyond them.

This comeback is perfect for highlighting financial responsibility. It’s a subtle way of saying that you’re making smart financial choices, avoiding debt, and living a life you can afford.

7. I’m in a season of building and growth.

Opt for this response when you’re in the midst of working towards financial stability. It acknowledges your current state without shame and focuses on the future you’re working to create.

8. Everyone’s financial journey is unique. I’m on my own path.

This statement is a gentle reminder that comparing financial situations is futile because everyone’s circumstances and goals are different. Use it to deflect judgment and bring attention to the individual nature of financial paths.

9. I’m richer in ways that money can’t measure.

Choose this reply to express that you value non-material forms of wealth, such as emotional well-being or personal freedom. It’s a way of showing that your priorities lie beyond the material.

10. My current situation isn’t my final destination.

Ideal for a hopeful perspective, this response acknowledges your present without limiting your future. It’s an optimistic view that indicates your belief in the possibility of financial improvement.

11. I’m learning valuable lessons that only this experience can teach.

This comeback highlights the value of the lessons learned from financial challenges. It suggests that your experiences are contributing to your personal growth and wisdom.

12. I prioritize people over possessions.

Use this to emphasize the importance of relationships and human connections in your life over material wealth. It’s a statement of values that prioritizes love and friendship over financial status.

13. I’m saving for what truly matters to me.

When you’re making financial sacrifices for a future goal or dream, this is the response to use. It indicates that you’re focused and have clear priorities, even if it means being tight with money currently.

14. I measure success by happiness, not just by wealth.

This response shifts the conversation from financial success to emotional and psychological well-being. Use it when you want to highlight that your ultimate goal is happiness, not accumulation of wealth.

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15. I believe in quality over quantity.

Opt for this comeback to express your preference for a few meaningful possessions or experiences over a multitude of lesser value. It’s a declaration of your values and an indication of mindful consumption.

16. I’m cultivating a rich life, one day at a time.

This reply emphasizes the process of building a fulfilling life, suggesting that it’s an ongoing journey rather than a destination defined by financial status.

17. My finances are a work in progress, just like everyone else’s.

Choose this response to normalize the ups and downs of financial life. It’s a reminder that financial stability is a common goal, and everyone is working towards it at their own pace.

18. I find wealth in simplicity and contentment.

When you want to express that your idea of wealth includes living simply and finding contentment in what you have, this is the perfect response. It reflects a philosophy of minimalism and gratitude.

19. I’m secure in my priorities and where I’m investing my resources.

Use this reply to indicate confidence in your financial choices and priorities. It’s a way of saying that you’re intentionally investing in what truly matters to you.

20. I enjoy the freedom that comes with living modestly.

If you value the freedom and flexibility that a less materialistic lifestyle provides, this response captures that sentiment. It suggests an appreciation for the non-financial benefits of a modest lifestyle.

21. I’m focused on being wealthy in knowledge and experience.

Opt for this comeback to emphasize your investment in personal development and learning, rather than material accumulation. It’s a declaration of your commitment to growth and learning.

22. My journey is about more than just accumulating wealth.

This statement is a reminder that your life’s journey encompasses various goals and aspirations, of which financial wealth is just one aspect.

23. I’m practicing gratitude for what I have, not lamenting what I don’t.

Choose this response to express a mindset of gratitude and positivity. It’s a way of focusing on the abundance in your life, rather than the lack.

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24. I value financial peace over extravagance.

When financial stability and peace of mind are your goals, rather than lavish spending, this reply communicates those values clearly and effectively.

25. I’m learning to find wealth in every situation.

This comeback is for when you’re finding the silver lining in your financial situation, recognizing and appreciating the wealth that exists in various forms in your life.

26. I believe in earning and enjoying money, not just displaying it.

Use this response to express a balanced view of money as something to be both earned responsibly and enjoyed, rather than merely used for show.

27. I’m not broke, I’m just pre-rich.

For a humorous twist, this reply takes a light-hearted approach to your financial situation, suggesting optimism and confidence in your financial future.

28. I’m investing in my peace of mind, not just in my wallet.

Choose this when you want to highlight that you’re prioritizing your mental and emotional well-being over simply increasing your bank balance.

29. I’m focusing on what I can control, including my attitude towards money.

This response shows that you’re taking an active role in managing your finances and your perspective on them, focusing on what you can influence directly.

30. I’m grateful for the journey and where it’s leading me.

Opt for this statement to express gratitude and optimism for your financial journey, seeing it as a path to growth and new opportunities.


When faced with the label of being “broke,” it’s essential to remember that your financial situation does not define your worth or potential.

Each of these responses offers a way to gracefully navigate such comments, whether by emphasizing your values, highlighting your financial strategy, or simply shifting the conversation towards a more positive and constructive focus.

Your response to such challenges can turn a potentially disheartening moment into an opportunity for reflection, resilience, and personal growth.