The phrase "down on your luck" is commonly used to describe someone who is experiencing a tough time in life. However, there are many other synonyms that can be used to describe this unfortunate circumstance. Some alternative phrases include "going through a rough patch," "facing financial difficulties," "struggling to make ends meet," "in a state of hardship," and "in dire straits." Each of these phrases offers a different perspective on the situation and can be used to convey empathy and understanding to someone who is struggling. It's important to choose the right words when expressing solidarity with someone in need, and these synonyms provide a versatile range of options.