person A: When I got my first paycheck with a bonus_comma_ I knew I didn't need to worry anymore about my expenses. It was quite the feeling!
person B: That is such a relief_comma_ it is so nice to have money saved up in the bank. 
person A: Yes exactly! I was able to finally start saving for retirement. I'd been procrastinating somewhat_comma_ so it really was a relief_comma_ like you said.
person B: Oh yeah_comma_ retirement will come before you know it_comma_ it is good to be prepared! 