I don’t know how to talk about how I feel and ask for help

I dont know how to bring up that I am going through a rough patch right now. Ive learned that it helps to talk, but how do you start? Last time I was honest people quickly assured and tried to comfort but it doesn’t feel real or genuine compared my bad thoughts. I feel they are not taking me seriously. I cant go to therapy because I am broke right now. And the best bet is talk to family and friends but it seems they can’t connect or understand me and I just end up frustrated trying to explain myself.