With little money left, you need spirit (4)
I believe the answer is:
soul
'spirit' is the definition.
(soul is a kind of spirit)
'with little money left' is the wordplay.
'with' says to put letters next to each other.
'little money' becomes 'sou' (I've seen this before. I am not sure about the 'little' bit.).
'left' becomes 'l' (common abbreviation).
'sou'+'l' is 'SOUL'.
'you need' acts as a link.
Can you help me to learn more?
(Other definitions for soul that I've seen before include "Essential part" , "Psyche" , "Innermost being" , "Essence" , "Spiritual part of a being" .)