The term 'not well-off' is often used to describe people who are in need of financial assistance. The crossword solution for this term is 'NEEDY', which is a five letter word. NEEDY people are those who lack the necessary resources to meet their basic needs, such as food, shelter, and clothing. They may also be unable to afford medical care or other necessities. NEEDY people often rely on government assistance or charity to help them get by.