person A: A little while ago_comma_ my friend went on another beach vacation. It was her 3rd one for the year. My family and I hadn't been on vacation for several years_comma_ due to issues beyond our control_comma_ so I begrudged her trip a bit.
person B: Being jealous of another person is a perfectly fine response. Despite this_comma_ you never know what is going on behind the scenes_comma_ she may have taken out huge loans just to fund her trips.
person A: Yes_comma_ true_comma_ I know they tend to let bills go for things like that_comma_ which I don't do. 
person B: I bet you would go on many vacations if you did the same as her. Instead_comma_ you are being a responsible person and doing what is best for your future.