It’s a pecuniary pun to start The Daily Record’s cryptic crossword today.

The straight part of the clue here is ‘penniless’ and there’s an alternative phrase for this which can also mean ‘apartment malfunctioned’.
Using the letter count as a helping hand, were you able to spot that the answer is: FLAT BROKE?
We have a wealth of other cryptic clue examples in our 1 Across series. Take a look.