"Am hard up" is a phrase that indicates a state of financial distress or scarcity. Its antonyms can include expressions like "am wealthy," "am affluent," "am loaded," or "am well-off." These opposite terms suggest a person who has ample resources and financial stability, and can cover their expenses comfortably. Other antonyms for "am hard up" can include "am prosperous," "am comfortable," "am financially secure," or "am well-to-do." These synonyms indicate an individual who does not struggle to meet their financial obligations and has more than enough resources to enjoy a comfortable lifestyle.