Uh... A penny saved is a penny earned?

[He mumbles that to himself, trying to guess what was said about pennies, only to chuckle at himself for getting it so very wrong.]

Sounds like we're both in need of a serious change of luck these days. Guess that isn't shocking. The world just seems more and more hostile, and that hostility is the thing that gets us down. So we sort of have to meet it with positivity and hope.