person A: Things have been rough for me lately_comma_ but thankfully I've got family and a fiance that are helping me through it.
person B: What is wrong? Are you okay?
person A: I'm in a lot of debt thanks to my car needing expensive repairs_comma_ and haven't been able to afford it. It's pretty depressing not being able to pay your bills :/
person B: I am so sorry. I hope you get all the help you need.