A : I opened a savings account
  -나 예금통장 만들었어

B : What's up?
 -어쩐일이야?

A : I need a lot of money after retirement. That idea crossed my mind.
  -은퇴후 돈이 많이 필요해. 그런 생각이 떠올랐어.

B : You're right. We have to prepare for the rainy days.
 -맞아, 여려운 시기를 대비해야해