Context: My transmission in my car went out the other day, maybe it won't be too expensive to repair.
Speaker 1: My transmission in my car went out the other day, maybe it won't be too expensive to repair.
Speaker 2: That's never fun!  Large unexpected expenses are the worst
Speaker 1: Yes they are. I had just put a down payment on a house too, so my money is tied up.
Speaker 2: Oh no! At least you have something to look forward to, the new house!