Steven: I have to plan for my retirement.
Matthew: Have you thought about investing in stocks?
Steven: Yeah, but stocks can be risky.
Matthew: I know. My brother lost a lot of money in stocks.
Steven: That's what I'm worried about.
Matthew: However, I also know a few people who made a lot of money investing in stocks.
Steven: I guess it's a gamble.
Matthew: You have to be smart.
Steven: You also have to be lucky!
Matthew: That's right!