The context of the following conversation is Tracy owed money to Sydney for bill's taxes, so Tracy paid the money to Sydney.:
Tracy says I owe Sydney money!.
The friend responds What do you owe him money for?.
Tracy responds For some outstanding bills and last quarter's taxes..
The friend responds Do you owe a lot?.
Tracy responds Yes, but I need to pay Sydney otherwise he will get in trouble..
The friend responds I hope it doesn't impact your savings too much..