Individual gracious without cash (5)
I believe the answer is:
money
'cash' is the definition.
(thesaurus)
'individual gracious without' is the wordplay.
'individual' becomes 'one'.
'gracious' becomes 'my' (I've seen this in other clues).
'without' is an insertion indicator.
'one' put within 'my' is 'MONEY'.
(Other definitions for money that I've seen before include "Legal tender" , "Cash, notes" , "The 6 [NECESSARY]" , "tin" , "See 7" .)