sweeping out the pennies might be a good working title.
Verse 1: scene of her with things going well
chorus 1: sweeping out the pennies
verse 2: Things are turning south
chorus2: wish she hadn't swept out those pennies
bridge: family made it through and now she is ...
Chorus: ... sweeping up the pennies.
Yea, a little bit of a changing chorus -- but maybe you can word it so it isn't.
Like