When describing someone's financial situation, the phrase "bad off" implies that they are struggling financially and are not in a good position. Some synonyms for "bad off" include "hard up," "strapped for cash," "in dire straits," "destitute," and "poor." These words all convey a sense of financial hardship and difficulty. Other similar phrases include "living paycheck to paycheck," "down-and-out," and "barely making ends meet." When using language to describe financial struggles, it's important to be sensitive and avoid making assumptions about someone's situation. However, there are many ways to express these ideas in a way that is respectful and non-judgmental.