Cryptic crossword clue
Spineless creature harassed war hero clutching last of retirement money 9

The most common and most likely answer to this crossword clue is the 9 letter word EARTHWORM

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The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does EARTHWORM mean?

EARTHWORM noun
  1. A worm that lives in the ground.
  2. A worm of the family Lumbricidae, or, more generally, of the suborder Lumbricina.
  3. A contemptible person; a groveller.

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