"Dirt-poor" is a term that is often used to describe someone who is extremely poor. However, this phrase can come across as offensive to some people. If you are looking for alternative words to use instead of "dirt-poor," you can opt to use less harsh terms such as destitute, impoverished, penniless, indigent, or hard-up. These words can help to convey the same message without causing offense. It's important to be mindful of your language and choose words that are polite and sensitive, especially when referring to sensitive topics like financial struggles.