How complicated is it, if you would speak of it? I might be able to help, or at least to offer advice.

[Call it a debt owed to her, but she gave him advice when he needed it. It's only fair, really, that he help her now, in whatever way he can.]

It's never easy to speak of the future--or of the past, I suppose. [Time works strangely here, apparently.] It's tempting to wait and put it off till a better time, but I've been told before that there is no better time to say it than the present.