You know that look you give your friends when they're all talking about their expensive plans and you're just trying to figure out how to afford gas money? That's the exact energy of this "surrounded by broke" meme. It's the perfect green screen reaction for when you're the only one in the group who's actually checking their bank account.
The beauty of this template is its pure relatability. Just drop it in when your squad is discussing lavish vacations or new cars, and you're sitting there like, "I'm with the broke crew." It works for any situation where you feel like the financial odd one out, from rent due dates to splitting a dinner bill.