person A: My husband and I are at a point in our lives_comma_ we are able to save_comma_ afford all that we need and save for retirement. I'm so appreciate we can_comma_ as I know many aren't able to do that.
person B: You must of been hard working.
person A: Yes_comma_ we have been working hard_comma_ as well as not always getting all the extras we would like at times. But_comma_ it's worth having some financial freedom!
person B: That is great news. Congrats.