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When low on money, what to have for tea? (10)

Ross

I believe the answer is:

shortbread

I'm a little stuck... Click here to teach me more about this clue!

'to have for tea?' is the definition.
I can't tell whether this defines the answer.

'when low on money' is the wordplay.
'when low' becomes 'short' (associated in meaning. I am not sure about the 'when' bit.).
'on' is a charade indicator (letters next to each other) (in a down clue, letters appear on others).
'money' becomes 'bread' (slang term for money).
'short'+'bread'='SHORTBREAD'

'what' acts as a link.

Can you help me to learn more?

(Other definitions for shortbread that I've seen before include "biscuits" , "sweet but easily crumbling" , "Brittle buttery cake" , "Crumbly biscuit rich in butter" , "Biscuit with plenty of butter" .)

I've seen this clue in the Evening Standard.
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