["I'm nervous about the last half of the year. I've been having rough financial times. They'll get better in February, but it's a long time till then.", 'I am sorry to hear that. I am sure you be fine.', "I hope so, but I'll be sweating bullets until then."]
We all go through tough times. It will work out for you in the end.
I'm edgy about the last half of this year. I'm having rough financial times.