"H, I'm very sorry that you are having a difficult managing your money. Have you considered setting up a budget?"
"H, I'm sure you'll figure out how to make your money stretch from pay check to pay check."
"H, I hear you on the money issue, times are rough for all of us with the economy the way it is."
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
