"financial predicament" 是一个名词短语，直译为“财务困境/经济窘境”，强调因资金短缺、收支失衡等导致的棘手、难以摆脱的财务状况（比普通的"financial difficulty"更突出“困境的迫切性与难解决性”）。
作为名词短语，它通常在句中作主语、宾语或介词宾语，常见搭配以下动词/介词：
be in a financial predicament（最常用）：
He has been in a financial predicament since his business failed.（自生意失败后，他一直处于财务困境。）
get into/fall into a financial predicament：
Overspending on luxury goods got her into a serious financial predicament.（挥霍购买奢侈品让她陷入严重财务困境。）
face/encounter a financial predicament：
The startup is facing a financial predicament due to lack of investment.（这家初创公司因缺乏投资正面临财务困境。）
get out of/escape from/overcome a financial predicament：
With a part-time job, she managed to get out of her financial predicament.（靠兼职，她成功摆脱了财务困境。）
可加形容词（如serious、severe、dire）或定语从句，强调困境的程度：
Many low-income families are stuck in a dire financial predicament.（许多低收入家庭陷入极度财务困境。）
The company’s financial predicament, which began last year, is worsening.（公司自去年开始的财务困境正在恶化。）
个人场景：After losing his job, he couldn’t pay rent and fell into a financial predicament.（失业后，他付不起房租，陷入财务困境。）
企业场景：The restaurant closed down because it couldn’t recover from its financial predicament.（这家餐厅因无法摆脱财务困境而倒闭。）
社会场景：The government launched a program to assist households in financial predicaments during the pandemic.（疫情期间，政府推出项目帮助陷入财务困境的家庭。）
financial difficulty：更普通，指“财务困难”（程度较轻，可解决）；
financial crisis：“金融危机/财务危机”（更严重，通常涉及系统性问题）；
financial strain：“财务压力”（强调压力感，不一定到“困境”程度）。
总结："financial predicament" 是描述“财务上棘手困境”的正式表达，适用于个人、企业或组织因资金问题陷入的难局，搭配常见动词即可准确传达“陷入、面临、摆脱”等逻辑。