The phrase "are in clover" typically means someone is in a state of comfort or luxury. However, there are several antonyms that can be used to convey the opposite meaning. One such antonym is "down and out," which refers to a person who is destitute or struggling financially. Another antonym is "living from hand to mouth," meaning someone who has very little money and is barely able to make ends meet. "Scraping by" or "barely getting by" are also suitable antonyms, indicating a person who is struggling to survive. In essence, there are many antonyms for "are in clover" that can be used to describe someone in a difficult financial situation.