The term "most well-set" typically refers to a person who is wealthy or financially stable. Some antonyms for this phrase could include "broke," "penniless," "impoverished," "destitute," and "insolvent." These terms describe individuals who do not have significant financial resources or assets. Other antonyms could include "unstable," "precarious," or "unsettled," implying a lack of secure financial footing. However, it's worth noting that antonyms for "most well-set" may vary depending on context. In some cases, terms like "humble" or "modest" may be antonyms if used to describe a person's attitude or lifestyle rather than their financial status.