A:	Uh, have you developed a savings plan or I R A s or anything like that yet?
ʌ WORD_BOUNDARY ʌ WORD_BOUNDARY h æ v WORD_BOUNDARY j uː WORD_BOUNDARY d ɪ v ɛ l ə p t WORD_BOUNDARY ʌ WORD_BOUNDARY s eɪ v ɪ ŋ z WORD_BOUNDARY p l æ n WORD_BOUNDARY ɔ ɹ WORD_BOUNDARY aɪ WORD_BOUNDARY ɑ ɹ WORD_BOUNDARY ʌ WORD_BOUNDARY ɛ s WORD_BOUNDARY ɔ ɹ WORD_BOUNDARY ɛ n ɪ θ ɪ ŋ WORD_BOUNDARY l aɪ k WORD_BOUNDARY ð æ t WORD_BOUNDARY j ɛ t WORD_BOUNDARY