Chad Johnson Gives Dating Advice For Broke Dudes

If you're broke as a joke but still looking to get your swerve on with the ladies ... listen up ... Chad Johnson -- self-proclaimed frugal guru -- is gonna tell you how to be a low cash Casanova.

We got Chad out in NYC and, since he claims to be such a penny-pincher (dude drives a smart car), we decided to do all our financially-challenged brothers a solid and get some advice on their behalf.

Check out the clip -- Chad says there is one key to romancing on restricted funds ... McDonald's ... and the reasons he gives aren't half bad, to be honest.