Crossword Genius

Flat broke and on the rocks (5)

Ross

I believe the answer is:

stony

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'flat broke' is the definition.
(thesaurus)

'on the rocks' is the wordplay.
'on' is an insertion indicator (as in clothing 'on' a person).
'the' becomes 't' (the is pronounced as a 't' sound in some dialects).
'rocks' becomes 'sony' (I am not sure about this - if you are sure you should believe this answer much more).
't' put into 'sony' is 'STONY'.

'and' acts as a link.

Can you help me to learn more?

(Other definitions for stony that I've seen before include "made of marble?" , "Hard for those who are barefoot" , "Cold, unfeeling" , "penniless" , "Rocky" .)

I've seen this clue in the Evening Standard.
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