person A: We used some of the money we'd set aside for our son's college fund to fix our hot water heater.
person B: Oh_comma_ that's a terrible problem!  That's the only time I don't envy homeowners!  I could not afford that at all.  
person A: Yes_comma_ these are the times I miss renting so much!  We're trying to repay what we used monthly til it's replenished.
person B: It's great you have a college fund though!  My kids are very young_comma_ we haven't started that yet.  Although_comma_ we probably should. How long have you ahd yours?
person A: He's 16 months old_comma_ but we knew we'd have to start saving really early because we don't have much to put away haha
person B: Okay_comma_ then you're waaayyy ahead of me! 