He/she should speak according to the Scriptures. Even if one were to say, "I am broke"...it should be followed up with a "but". "I am broke, but God says He is going to supply all my needs." Phil. 4:19
Personally, I have a hard time speaking anything negative over my life. It's not that I don't do it, but I have a hard time doing it. It leaves a bad taste in my mouth when I do and a feeling of being punched in the gut because I know I shall reap what I sow, even what I sow into my own life with my own words. I'd rather take a butt whipping than say "I'm broke". Even if it were factual, I'd still have to make sure to acknowledge the truth that God was not going to leave me in financial lack.