Grumble: lacking money, say (5)

I believe the answer is:

utter

'say' is the definition.
(thesaurus)

I cannot understand how the rest of the clue works.

(Other definitions for utter that I've seen before include "Give voice" , "Dead" , "Speak, express" , "Put into words" , "Complete; absolute" .)

I've seen this clue in The Guardian.

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