person A: Financially_comma_ things will turn around for my family soon!
person B: I hope and wish so. In this tough economic climate many are finding it difficult to cope with financial responsibilities
person A: Yes_comma_ and we had a layoff of five months.  I believe in a brighter day_comma_ though_comma_ so I know it will improve.
person B: Being optimistic will help you alleviate much of your accumulated stress