It’s hard, being broke (5)
I believe the answer is:
stony
This clue is a double definition.
'it's hard' is the first definition.
('stony' can be similar in meaning to 'hard')
'being broke' is the second definition.
(stony-broke is old-fashioned slang meaning poor)
(Other definitions for stony that I've seen before include "Heartless" , "Cold, unfeeling" , "made of marble?" , "Rock-strewn" , "Rocky" .)