Put it at the end of a spending joke, after the expensive item is shown, so it works as the reply. Follow it with the Sad Violin for an over-the-top broke ending, or lead into it with No No Wait Wait when a friend tries to dodge paying.
About this sound
This is a short spoken Arabic line, lasting about six and a half seconds, in which a voice delivers the phrase 'you have no money' with a teasing, mocking edge. It feels playful and pointed, like a joke aimed at someone who has just spent too much, and it works best as a quick, knowing reaction.