Saying that John was badly off is to put it mildly. He was indeed penniless.(說約翰境況不佳是委婉的說法，他其實已經身無分文。)

Would you rather leave home without your wallet and be penniless all day, or leave your phone at home and be out of touch all day?(是愿意把錢包留在家里過一整天的窮光蛋生活，還是愿意把手機留在家里與世隔絕一整天？)

Because of her medical and her legal bills, she is now penniless and deeply in debt.(由于醫療費和律師費，她現在身無分文，深陷負債。)

He was an old emigre gentleman, blind and penniless, who was playing his flute in his attic, in order to pass the time.(那是一個年老的流亡貴族，又瞎又窮，待在他那間頂樓上，吹著笛子來解解悶的。)

Paying his son's debts left him almost penniless.(給他兒子還債，使他幾乎身無分文。)

At this moment, they see a penniless young man wandering on the pavement outside their house.(這時，他們看見一個身無分文的年輕人在房子外面的人行道上游蕩。)

He was penniless after his business went bankrupt.(自從他的生意破產后，他就身無分文。)

He died penniless in Paris.(他在巴黎去世時已是一文不名。)

As generally happens in such cases, the moment he was penniless he found that he was friendless too.(接下來像大多數這類故事的情節一樣，在一文不名的時候，他發現連朋友也沒有了。)

If I lose heart, I will be a penniless failure.(如果連心都丟了，我將會是一敗涂地。)