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You're so fine. Bank day surgery. Love that. She does lots of different jobs. $80. Okay. So own cart, motorbike, off the account, 400,000. Amazing. And then we have a personal EPR. Cool. Do you know can I ask the debt value, the $3.77 on the PPR, is that fully offset, or is that on top of what's offset? Okay. Cool. No. I just wanna check. Amazing. Okay. So fully offset. Amazing. Yep. Yes. Yeah. Perfection. No. Oh, no. The the thing is there, so I know happiness. That's good. Cool. Hi, Michelle. How are you going? Really good. Thank you. Okay. So Fabian was just giving me a bit of a rundown on everything. And I guess I wanna clarify a few details with you. So I understand we're kind of wanting to look at a lot of advice in the personal realm, which is fantastic. Mhmm. We're pretty debt free when we look at it. Well, I mean, you are. Whilst you might have a a mortgage, it's completely offset, and you could turn around today and pay it off. But I understand that you're wanting to have a look at potential avenues on what to do with those the money that's sitting in that offset, whether you do pay off the mortgage or whether we go through and purchase an investment property with some of that as a cash out of it. Yeah. Yeah. Yeah. Yes. Equity. Yep. Yeah. Yeah. Yeah. No. Definitely. Okay. So there's there's a couple of different points to it. And and I can see that you can check. I think this is not is that I'm talking to you, and I'm not talking to your partner as well. But that doesn't it limits what we can do in this conversation, but it doesn't limit how we can proceed. Yeah. Gold Avenue. Yeah. Yeah. No. Yeah. Can I ask? Because as I understand your partner is with Peak Pinnacle, they wouldn't talk to the two of you as a couple? Yes. Right. But they yeah. Yeah. I mean, it is, but I get yeah. It is, but it isn't. Because, obviously, like, you're not paying any yeah. No interest. No. Nothing like that. Payments. Yeah. 100 percent. Can I ask? Yeah. Sorry. No. It is it is definitely a lot of money to just be sitting there, I guess, not doing anything, especially when you're you're over offset, if that makes sense. Like, you've only got a $377,000 loan. You've got $400,000 sitting in the offset. So it means that, theoretically, there's, you know, a few thou few tens of thousands of dollars sitting there that is actually doing nothing. You know? The 370 7,000 that's sitting there is obviously helping you because it's physically offsetting to the cent you know, the loan. So you're paying no interest. So you're realistically saving 6.38% in interest by having that there, but the additional money is really honestly doing nothing. Can I what I was gonna ask was, what is your husband earning as an income? Because I can realistically factor him into a degree with regards to how we can approach some of the avenues for advice. Okay. Okay. Okay. That's okay. And similar age to yourself? Okay. So 56 this year. Alright. And he's gonna continue working up until you're 65 or 61. Sorry. 6 5. Yep. You'll be 60 one. Okay. Yeah. Okay. That you provided are joint assets, I'm assuming. There's nothing that you hold that he doesn't. Okay. Yep. Yep. Perfect. And he has his own Harley as well? That is great. Cool. I love that. And I'm assuming, like, retirement is on the back of the Harley's into the sunset? Yeah. Yeah. Yeah. Perfect. Alright. So there's a couple of things that we can definitely look at doing, and I can very limitedly factor your husband in as well. I'm not talking to him, so it becomes really hard from just a conversational perspective. I have no idea why peak pinnacle wouldn't include you in an advice piece from an overall perspective. It yeah. It's just it's it's kind of weird, but I can definitely look at kind of including him from a from a limited. Yeah. Yeah. Yeah. Yeah. No. Definitely. No. That's okay. How it work yeah. So I guess the the first the first most important question that I have is, a, is our primary residence or our home, is that the intended home that we're we're we're intending on keeping forever at this point? Okay. Okay. Okay. Yes. Yes. Yep. Yeah. So the the good thing about that avenue is that because you're currently living in your PPR, like so prime primary place of residence. Right? Because it is considered your prime primary residence, you pay no capital gains on it. So irrespective of the fact that you've owned it for, you know, x number of years, that's thirty three. Yeah. You pay nothing there. Yes. Yeah. Yeah. Or do you still have to pay capital gains on it, or is that settled? Yep. Yeah. Amazing. And is that is that so you we sold it this year? This financial year? Okay. So can I ask, do you know what the figures are on the property? So do you like, on the on the block that we sold, do you know when you bought it, what you bought it for, when we sold it, and what we sold it for? Yep. Okay. And we owned it for longer than twelve months? We bought it. Yep. Okay. Alright. No. That's good. Perfect. So we've owned it for a decent amount of time, and it was a fifty fifty ownership structure. Just confirming. Perfect. Okay. So I can do some tax calculations with respect to how we could maybe look at offsetting some of that tax for both you and your husband. And what I'll do is I'll include some of his details in, I guess, the advice piece as well to sort of help cater for that side of everything. I do need a couple of details from you for him, though, if that's okay. I have his name as Troy Yes, sir. We're married. I'm assuming same last name. You already confirmed his income. What's his date of birth? 06/12/1970. Cool. Love a good December baby. I'm one myself. Cool. So what I can look at is avenues that we can decrease the capital gain. I know you have a meeting with your accountant, so it's just obviously, like, I can give you the advice. It's something you can go to your accountant with and have a chat to them about and, you know, make sure you're obviously closer and happy with it. But we can look at decreasing that capital gain, definitely. But I'll have a look at that. Yeah. Sorry. We can I can have a look at everything from that avenue and give advice to the two of you from that perspective? Then I can obviously look at your super for yourself and look at whether there's any avenue that we can make that better, possible, you know, contributions to save on tax ongoing, you know, looking maybe decreasing your income from a investment perspective. And I can also have a look at purchasing. So if we were to purchase a property, what area would we be looking at? Yep. Yep. Yep. Yes. Okay. Alright. So, like, a two to three bedroom unit complex. Is that the same? K. Update. Yeah. Yep. That way you just have all of the avenues looked after, and you can just kind of breathe a sigh of relief and not have to deal with any of it. Yeah. You wanna be able to lock up the home and jump into the caravan because the wind takes you and go. Yeah. Yeah. 100%. And the time is at managing. Okay. Oh, yeah. No. Like, I'm only on an acre, and I have the same issue. Obviously, I looked at the yard this weekend and went, if I just close my eyes, it doesn't exist. Right? 100 percent. Yeah. No. Yeah. You wanna you wanna be able to you wanna be able to sit back and enjoy it. Thousand percent. Okay. Yes. Absolutely. Can I ask, with both of your employers, do you have any, like, savings schemes that you have with them with respect to additional super contributions? Do they match them? Anything that they garner from your wage? Nothing? Perfect. Just wanted to double check. And then the savings that you put away each week, I have $400 each week that you put away. Is that together with Troy is what you put away, or is that yours independently? Yep. Yep. Yeah. Yeah. No. That's okay. Yeah. Yeah. Yeah. It pops back up quick quickly enough. Okay. Good. No. No. No. That's that's good to know. Alright. Area, what the costs are looking like in the area of, you know, for a minute. Obviously, I'm not gonna have a very specific cost because I'm not gonna be house looking for you, but I can have a a rough avenue with cost wise as to what that's gonna look like. I can then look at how that's gonna work for us from a purchase borrowing perspective, estimated income avenues for that for the next seven years, and sort of start nutting out how we could go down that avenue and whether it's appropriate avenue to go down. As you said, you're happy to sell the current primary residence, which is always my biggest question mark or my biggest, I guess, concern with anyone who is, you know, 40 plus purchasing a house. Because, realistically, if you're going for a thirty year mortgage, any lender wants to know what your exit strategy is. If we're 40 or over, it means that thirty years is pushing us to 70, and they our lenders wanna know how you're gonna pay that mortgage off within the time frame. So whether they sometimes they offer a lower a lower time frame. So instead of thirty years, they might offer twenty five, so on and so forth. But if we have a avenue that we're, you know, wanting to eventually downsize, sell off the current PPR and move into the what we what would be investment unit. Yeah. Yeah. Yeah. Perfect. No. Good. Good. Good. Good. Good. And if we Yeah. Yeah. Absolutely. No. Fantastic. Alright. Well, I'll have a look at all of this, see where we can go with it. Can I ask? I think the only thing I'm probably missing is is your your husband, do you know how much he saves a week or how much he puts the money into saving? Yep. Yeah. Yeah. Perfect. And it's No. Perfect. Cool. Alright. So he's got a little bit of money saved, and he puts money regularly away into savings as well. Okay. Good. Good. Good. Alright. So that's gonna sort of, I guess, give me a scope on on where we can go with everything and whether we can hit our our possible avenues to purchase and go from there or whether maybe it's not a go right now and we wait a few more years and purchase maybe when we're ready to downsize or what we kinda go with. So I'll have a look at the areas that we're looking to buy in, what our obvious rental income estimation, estimated interest rates would be, and how that would look from a cost perspective, have a look at how we would approach that to, obviously, make sure that we're covering everything off, and then we can go from there. Okay? And it realistically, it might just be a bit of a numbers game drawn up on, you know, maybe it's an option. Guidance. Yeah. Yeah. Yeah. Yeah. Yeah. And that would probably be rough figures. I wanna see if I can get you to the point between the two of you. I'll run the figures properly. And so long as we're pretty truthful on the fact that he's at $1.30, you've at 80 plus the capital gain. I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing. Because, realistically, if we're gonna give it to the government, why give it to the government when we can give it to ourselves? Yeah. Yeah. No. Absolutely. Yeah. Absolutely. Yeah. No. And that's that's perfect. Alright. Well, I'll start running the steps. I'll look at things. I've got you booked in for Wednesday. I should be fine to go ahead with everything, and I can do all the research on the back end. If I run into any roadblocks, then we can kinda convert Wednesday's meeting into maybe another touch base to answer any questions, but I should honestly be okay. I can't see anything that I'm gonna run into too hard. Okay. Yeah. Yeah. Which is weird because there's so many there's so many other avenues that they could look in anyway. Yeah. It's not a problem. Yes. Yeah. Yeah. No. Absolutely. Well, let me see what I can work numbers live, and we can go from there. Certainly. I'll speak to you then. 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afternoon. Marissa speaking. Good. Sorry. I my phone wouldn't answer.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo. Absolutely. The certificate shown as chart. Okay. Cool.\n\nGreat. She is no. You're so fine. Bank day surgery. Love that.\n\nShe does lots of different jobs. $80. Okay. So own cart, motorbike, off the account, 400,000. Amazing.\n\nAnd then we have a personal EPR. Cool. Do you know can I ask the debt value, the $3.77 on the PPR, is that fully offset, or is that on top of what's offset? Okay. Cool.\n\nNo. I just wanna check. Amazing. Okay. So fully offset.\n\nAmazing. Yep. Yes. Yeah. Perfection.\n\nNo. Oh, no. The the thing is there, so I know happiness. That's good. Cool.\n\nHi, Michelle. How are you going? Really good. Thank you. Okay.\n\nSo Fabian was just giving me a bit of a rundown on everything. And I guess I wanna clarify a few details with you. So I understand we're kind of wanting to look at a lot of advice in the personal realm, which is fantastic. Mhmm. We're pretty debt free when we look at it.\n\nWell, I mean, you are. Whilst you might have a a mortgage, it's completely offset, and you could turn around today and pay it off. But I understand that you're wanting to have a look at potential avenues on what to do with those the money that's sitting in that offset, whether you do pay off the mortgage or whether we go through and purchase an investment property with some of that as a cash out of it. Yeah. Yeah.\n\nYeah. Yes. Equity. Yep. Yeah.\n\nYeah. Yeah. No. Definitely. Okay.\n\nSo there's there's a couple of different points to it. And and I can see that you can check. I think this is not is that I'm talking to you, and I'm not talking to your partner as well. But that doesn't it limits what we can do in this conversation, but it doesn't limit how we can proceed. Yeah.\n\nGold Avenue. Yeah. Yeah. No. Yeah.\n\nCan I ask? Because as I understand your partner is with Peak Pinnacle, they wouldn't talk to the two of you as a couple? Yes. Right. But they yeah.\n\nYeah. I mean, it is, but I get yeah. It is, but it isn't. Because, obviously, like, you're not paying any yeah. No interest.\n\nNo. Nothing like that. Payments. Yeah. 100 percent.\n\nCan I ask? Yeah. Sorry. No. It is it is definitely a lot of money to just be sitting there, I guess, not doing anything, especially when you're you're over offset, if that makes sense.\n\nLike, you've only got a $377,000 loan. You've got $400,000 sitting in the offset. So it means that, theoretically, there's, you know, a few thou few tens of thousands of dollars sitting there that is actually doing nothing. You know? The 370 7,000 that's sitting there is obviously helping you because it's physically offsetting to the cent you know, the loan.\n\nSo you're paying no interest. So you're realistically saving 6.38% in interest by having that there, but the additional money is really honestly doing nothing. Can I what I was gonna ask was, what is your husband earning as an income? Because I can realistically factor him into a degree with regards to how we can approach some of the avenues for advice. Okay.\n\nOkay. Okay. That's okay. And similar age to yourself? Okay.\n\nSo 56 this year. Alright. And he's gonna continue working up until you're 65 or 61. Sorry. 6 5.\n\nYep. You'll be 60 one. Okay. Yeah. Okay.\n\nThat you provided are joint assets, I'm assuming. There's nothing that you hold that he doesn't. Okay. Yep. Yep.\n\nPerfect. And he has his own Harley as well? That is great. Cool. I love that.\n\nAnd I'm assuming, like, retirement is on the back of the Harley's into the sunset? Yeah. Yeah. Yeah. Perfect.\n\nAlright. So there's a couple of things that we can definitely look at doing, and I can very limitedly factor your husband in as well. I'm not talking to him, so it becomes really hard from just a conversational perspective. I have no idea why peak pinnacle wouldn't include you in an advice piece from an overall perspective. It yeah.\n\nIt's just it's it's kind of weird, but I can definitely look at kind of including him from a from a limited. Yeah. Yeah. Yeah. Yeah.\n\nNo. Definitely. No. That's okay. How it work yeah.\n\nSo I guess the the first the first most important question that I have is, a, is our primary residence or our home, is that the intended home that we're we're we're intending on keeping forever at this point? Okay. Okay. Okay. Yes.\n\nYes. Yep. Yeah. So the the good thing about that avenue is that because you're currently living in your PPR, like so prime primary place of residence. Right?\n\nBecause it is considered your prime primary residence, you pay no capital gains on it. So irrespective of the fact that you've owned it for, you know, x number of years, that's thirty three. Yeah. You pay nothing there. Yes.\n\nYeah. Yeah. Or do you still have to pay capital gains on it, or is that settled? Yep. Yeah.\n\nAmazing. And is that is that so you we sold it this year? This financial year? Okay. So can I ask, do you know what the figures are on the property?\n\nSo do you like, on the on the block that we sold, do you know when you bought it, what you bought it for, when we sold it, and what we sold it for? Yep. Okay. And we owned it for longer than twelve months? We bought it.\n\nYep. Okay. Alright. No. That's good.\n\nPerfect. So we've owned it for a decent amount of time, and it was a fifty fifty ownership structure. Just confirming. Perfect. Okay.\n\nSo I can do some tax calculations with respect to how we could maybe look at offsetting some of that tax for both you and your husband. And what I'll do is I'll include some of his details in, I guess, the advice piece as well to sort of help cater for that side of everything. I do need a couple of details from you for him, though, if that's okay. I have his name as Troy Yes, sir. We're married.\n\nI'm assuming same last name. You already confirmed his income. What's his date of birth? 06/12/1970. Cool.\n\nLove a good December baby. I'm one myself. Cool. So what I can look at is avenues that we can decrease the capital gain. I know you have a meeting with your accountant, so it's just obviously, like, I can give you the advice.\n\nIt's something you can go to your accountant with and have a chat to them about and, you know, make sure you're obviously closer and happy with it. But we can look at decreasing that capital gain, definitely. But I'll have a look at that. Yeah. Sorry.\n\nWe can I can have a look at everything from that avenue and give advice to the two of you from that perspective? Then I can obviously look at your super for yourself and look at whether there's any avenue that we can make that better, possible, you know, contributions to save on tax ongoing, you know, looking maybe decreasing your income from a investment perspective. And I can also have a look at purchasing. So if we were to purchase a property, what area would we be looking at? Yep.\n\nYep. Yep. Yes. Okay. Alright.\n\nSo, like, a two to three bedroom unit complex. Is that the same? K. Update. Yeah.\n\nYep. That way you just have all of the avenues looked after, and you can just kind of breathe a sigh of relief and not have to deal with any of it. Yeah. You wanna be able to lock up the home and jump into the caravan because the wind takes you and go. Yeah.\n\nYeah. 100%. And the time is at managing. Okay. Oh, yeah.\n\nNo. Like, I'm only on an acre, and I have the same issue. Obviously, I looked at the yard this weekend and went, if I just close my eyes, it doesn't exist. Right? 100 percent.\n\nYeah. No. Yeah. You wanna you wanna be able to you wanna be able to sit back and enjoy it. Thousand percent.\n\nOkay. Yes. Absolutely. Can I ask, with both of your employers, do you have any, like, savings schemes that you have with them with respect to additional super contributions? Do they match them?\n\nAnything that they garner from your wage? Nothing? Perfect. Just wanted to double check. And then the savings that you put away each week, I have $400 each week that you put away.\n\nIs that together with Troy is what you put away, or is that yours independently? Yep. Yep. Yeah. Yeah.\n\nNo. That's okay. Yeah. Yeah. Yeah.\n\nIt pops back up quick quickly enough. Okay. Good. No. No.\n\nNo. That's that's good to know. Alright. Area, what the costs are looking like in the area of, you know, for a minute. Obviously, I'm not gonna have a very specific cost because I'm not gonna be house looking for you, but I can have a a rough avenue with cost wise as to what that's gonna look like.\n\nI can then look at how that's gonna work for us from a purchase borrowing perspective, estimated income avenues for that for the next seven years, and sort of start nutting out how we could go down that avenue and whether it's appropriate avenue to go down. As you said, you're happy to sell the current primary residence, which is always my biggest question mark or my biggest, I guess, concern with anyone who is, you know, 40 plus purchasing a house. Because, realistically, if you're going for a thirty year mortgage, any lender wants to know what your exit strategy is. If we're 40 or over, it means that thirty years is pushing us to 70, and they our lenders wanna know how you're gonna pay that mortgage off within the time frame. So whether they sometimes they offer a lower a lower time frame.\n\nSo instead of thirty years, they might offer twenty five, so on and so forth. But if we have a avenue that we're, you know, wanting to eventually downsize, sell off the current PPR and move into the what we what would be investment unit. Yeah. Yeah. Yeah.\n\nPerfect. No. Good. Good. Good.\n\nGood. Good. And if we Yeah. Yeah. Absolutely.\n\nNo. Fantastic. Alright. Well, I'll have a look at all of this, see where we can go with it. Can I ask?\n\nI think the only thing I'm probably missing is is your your husband, do you know how much he saves a week or how much he puts the money into saving? Yep. Yeah. Yeah. Perfect.\n\nAnd it's No. Perfect. Cool. Alright. So he's got a little bit of money saved, and he puts money regularly away into savings as well.\n\nOkay. Good. Good. Good. Alright.\n\nSo that's gonna sort of, I guess, give me a scope on on where we can go with everything and whether we can hit our our possible avenues to purchase and go from there or whether maybe it's not a go right now and we wait a few more years and purchase maybe when we're ready to downsize or what we kinda go with. So I'll have a look at the areas that we're looking to buy in, what our obvious rental income estimation, estimated interest rates would be, and how that would look from a cost perspective, have a look at how we would approach that to, obviously, make sure that we're covering everything off, and then we can go from there. Okay? And it realistically, it might just be a bit of a numbers game drawn up on, you know, maybe it's an option. Guidance.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAnd that would probably be rough figures. I wanna see if I can get you to the point between the two of you. I'll run the figures properly. And so long as we're pretty truthful on the fact that he's at $1.30, you've at 80 plus the capital gain. I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing.\n\nBecause, realistically, if we're gonna give it to the government, why give it to the government when we can give it to ourselves? Yeah. Yeah. No. Absolutely.\n\nYeah. Absolutely. Yeah. No. And that's that's perfect.\n\nAlright. Well, I'll start running the steps. I'll look at things. I've got you booked in for Wednesday. I should be fine to go ahead with everything, and I can do all the research on the back end.\n\nIf I run into any roadblocks, then we can kinda convert Wednesday's meeting into maybe another touch base to answer any questions, but I should honestly be okay. I can't see anything that I'm gonna run into too hard. Okay. Yeah. Yeah.\n\nWhich is weird because there's so many there's so many other avenues that they could look in anyway. Yeah. It's not a problem. Yes. Yeah.\n\nYeah. No. Absolutely. Well, let me see what I can work numbers live, and we can go from there. Certainly.\n\nI'll speak to you then. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.48,"end":3.22,"sentiment":"neutral","sentiment_score":0.20879263430833817},{"text":"Marissa speaking.","start":3.36,"end":4.34,"sentiment":"neutral","sentiment_score":0.13616330176591873},{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.16963350772857666},{"text":"Sorry.","start":7.8399997,"end":8.32,"sentiment":"neutral","sentiment_score":-0.1136258915066719},{"text":"I my phone wouldn't answer.","start":8.32,"end":9.7,"sentiment":"neutral","sentiment_score":-0.24338712692260742}],"sentiment":"neutral","sentiment_score":-0.04281964965841987,"num_words":11,"start":2.48,"end":9.7},{"sentences":[{"text":"Yeah.","start":52.835,"end":53.335,"sentiment":"neutral","sentiment_score":0.08213767409324646},{"text":"Yeah.","start":60.06,"end":60.56,"sentiment":"neutral","sentiment_score":0.10238412022590636},{"text":"Yeah.","start":88.03,"end":88.53,"sentiment":"neutral","sentiment_score":0.010945037007331848},{"text":"Yeah.","start":90.27,"end":90.77,"sentiment":"neutral","sentiment_score":0.02381950244307518},{"text":"No.","start":98.235,"end":98.475,"sentiment":"neutral","sentiment_score":-0.09237809479236604}],"sentiment":"neutral","sentiment_score":0.025381647795438767,"num_words":5,"start":52.835,"end":98.475},{"sentences":[{"text":"No.","start":98.475,"end":98.635,"sentiment":"neutral","sentiment_score":-0.07051309198141098},{"text":"Absolutely.","start":98.635,"end":99.135,"sentiment":"neutral","sentiment_score":-0.004858287051320076},{"text":"The certificate shown as chart.","start":101.035,"end":103.295,"sentiment":"neutral","sentiment_score":0.01803157813847065},{"text":"Okay.","start":103.435,"end":103.755005,"sentiment":"neutral","sentiment_score":0.1051393896341324},{"text":"Cool.","start":103.755005,"end":104.255005,"sentiment":"neutral","sentiment_score":0.2107800841331482}],"sentiment":"neutral","sentiment_score":0.036745109491878085,"num_words":9,"start":98.475,"end":104.255005},{"sentences":[{"text":"Great.","start":104.315,"end":104.815,"sentiment":"neutral","sentiment_score":0.30786216259002686},{"text":"She is no.","start":106.14,"end":108.86,"sentiment":"neutral","sentiment_score":-0.015128740419944128},{"text":"You're so fine.","start":108.86,"end":110.0,"sentiment":"neutral","sentiment_score":0.0821140818297863},{"text":"Bank day surgery.","start":123.835,"end":125.295,"sentiment":"neutral","sentiment_score":-0.040505933264891304},{"text":"Love that.","start":125.995,"end":126.815,"sentiment":"neutral","sentiment_score":0.2229626663029194}],"sentiment":"neutral","sentiment_score":0.06943547663589318,"num_words":12,"start":104.315,"end":126.815},{"sentences":[{"text":"She does lots of different jobs.","start":127.835,"end":129.615,"sentiment":"neutral","sentiment_score":0.015279075596481562},{"text":"$80.","start":129.835,"end":130.735,"sentiment":"neutral","sentiment_score":0.009357324801385404},{"text":"Okay.","start":131.55,"end":132.05,"sentiment":"neutral","sentiment_score":0.02819652669131756},{"text":"So own cart, motorbike, off the account, 400,000.","start":132.51,"end":137.48999,"sentiment":"neutral","sentiment_score":0.05961869261227548},{"text":"Amazing.","start":137.55,"end":138.03,"sentiment":"positive","sentiment_score":0.6126729249954224}],"sentiment":"neutral","sentiment_score":0.07169710417442463,"num_words":17,"start":127.835,"end":138.03},{"sentences":[{"text":"And then we have a personal EPR.","start":138.03,"end":139.97,"sentiment":"neutral","sentiment_score":0.27749531822545187},{"text":"Cool.","start":140.83,"end":141.33,"sentiment":"neutral","sentiment_score":0.26801422238349915},{"text":"Do you know can I ask the debt value, the $3.77 on the PPR, is that fully offset, or is that on top of what's offset?","start":143.72499,"end":154.065,"sentiment":"neutral","sentiment_score":0.03728842421864661},{"text":"Okay.","start":154.44499,"end":154.765,"sentiment":"neutral","sentiment_score":0.033105768263339996},{"text":"Cool.","start":154.765,"end":155.00499,"sentiment":"neutral","sentiment_score":0.04959643632173538}],"sentiment":"neutral","sentiment_score":0.09063007456198749,"num_words":36,"start":138.03,"end":155.00499},{"sentences":[{"text":"No.","start":155.00499,"end":155.165,"sentiment":"neutral","sentiment_score":-0.10008183121681212},{"text":"I just wanna check.","start":155.165,"end":156.14499,"sentiment":"neutral","sentiment_score":-0.17256642505526543},{"text":"Amazing.","start":158.87999,"end":159.37999,"sentiment":"neutral","sentiment_score":0.19525006413459775},{"text":"Okay.","start":159.43999,"end":159.68,"sentiment":"neutral","sentiment_score":0.07814383506774902},{"text":"So fully 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no.","start":183.87001,"end":184.77,"sentiment":"neutral","sentiment_score":0.08095864206552505},{"text":"The the thing is there, so I know happiness.","start":184.91,"end":186.69,"sentiment":"neutral","sentiment_score":0.23359877864519754},{"text":"That's good.","start":187.15001,"end":187.89,"sentiment":"neutral","sentiment_score":0.32160158455371857},{"text":"Cool.","start":190.67001,"end":191.17001,"sentiment":"neutral","sentiment_score":0.2861970067024231}],"sentiment":"neutral","sentiment_score":0.21595157360037168,"num_words":15,"start":182.43001,"end":191.17001},{"sentences":[{"text":"Hi, Michelle.","start":222.155,"end":222.975,"sentiment":"neutral","sentiment_score":0.1411290317773819},{"text":"How are you going?","start":223.035,"end":224.015,"sentiment":"neutral","sentiment_score":0.17353926226496696},{"text":"Really good.","start":227.195,"end":227.91501,"sentiment":"positive","sentiment_score":0.46376097202301025},{"text":"Thank you.","start":227.91501,"end":228.655,"sentiment":"positive","sentiment_score":0.4157697707414627},{"text":"Okay.","start":229.675,"end":230.175,"sentiment":"neutral","sentiment_score":0.196467325091362}],"sentiment":"neutral","sentiment_score":0.2665403566577218,"num_words":11,"start":222.155,"end":230.175},{"sentences":[{"text":"So Fabian was just giving me a bit of a rundown on everything.","start":230.235,"end":234.49,"sentiment":"neutral","sentiment_score":0.1575488173044645},{"text":"And I guess I wanna clarify a few details with you.","start":235.75,"end":239.85,"sentiment":"neutral","sentiment_score":0.10204688120972026},{"text":"So I understand we're kind of wanting to look at a lot of advice in the personal realm, which is fantastic.","start":241.11,"end":248.855,"sentiment":"neutral","sentiment_score":0.3088549034936087},{"text":"Mhmm.","start":250.595,"end":251.095,"sentiment":"neutral","sentiment_score":0.0924113392829895},{"text":"We're pretty debt free when we look at it.","start":251.235,"end":255.17499,"sentiment":"neutral","sentiment_score":0.16057495938407051}],"sentiment":"neutral","sentiment_score":0.2035307139158249,"num_words":55,"start":230.235,"end":255.17499},{"sentences":[{"text":"Well, I mean, you are.","start":255.635,"end":256.915,"sentiment":"neutral","sentiment_score":0.04089871905744076},{"text":"Whilst you might have a a mortgage, it's completely offset, and you could turn around today and pay it off.","start":256.915,"end":261.94,"sentiment":"neutral","sentiment_score":-0.08635092675685882},{"text":"But I understand that you're wanting to have a look at potential avenues on what to do with those the money that's sitting in that offset, whether you do pay off the mortgage or whether we go through and purchase an investment property with some of that as a cash out of it.","start":263.92,"end":286.155,"sentiment":"neutral","sentiment_score":0.0635433944188199},{"text":"Yeah.","start":286.155,"end":286.65,"sentiment":"neutral","sentiment_score":0.11385910958051682},{"text":"Yeah.","start":309.385,"end":309.885,"sentiment":"neutral","sentiment_score":0.07600843906402588}],"sentiment":"neutral","sentiment_score":0.025439281412400306,"num_words":80,"start":255.635,"end":309.885},{"sentences":[{"text":"Yeah.","start":310.105,"end":310.605,"sentiment":"neutral","sentiment_score":0.12518717348575592},{"text":"Yes.","start":327.60498,"end":328.00497,"sentiment":"neutral","sentiment_score":0.22867123782634735},{"text":"Equity.","start":328.00497,"end":328.50497,"sentiment":"neutral","sentiment_score":0.2516060173511505},{"text":"Yep.","start":329.845,"end":330.345,"sentiment":"neutral","sentiment_score":0.13571983575820923},{"text":"Yeah.","start":341.06,"end":341.56,"sentiment":"neutral","sentiment_score":0.03773926943540573}],"sentiment":"neutral","sentiment_score":0.15578470677137374,"num_words":5,"start":310.105,"end":341.56},{"sentences":[{"text":"Yeah.","start":357.875,"end":358.375,"sentiment":"neutral","sentiment_score":0.004569187760353088},{"text":"Yeah.","start":366.55002,"end":367.05002,"sentiment":"neutral","sentiment_score":-0.007886494509875774},{"text":"No.","start":375.285,"end":375.525,"sentiment":"neutral","sentiment_score":-0.13534848392009735},{"text":"Definitely.","start":375.525,"end":376.025,"sentiment":"neutral","sentiment_score":0.020368285477161407},{"text":"Okay.","start":376.565,"end":376.965,"sentiment":"neutral","sentiment_score":0.07997611165046692}],"sentiment":"neutral","sentiment_score":-0.007664278708398342,"num_words":5,"start":357.875,"end":376.965},{"sentences":[{"text":"So there's there's a couple of different points to it.","start":376.965,"end":380.105,"sentiment":"neutral","sentiment_score":0.09515805691480636},{"text":"And and I can see that you can check.","start":387.07,"end":388.39,"sentiment":"neutral","sentiment_score":0.08054908903108703},{"text":"I think this is not is that I'm talking to you, and I'm not talking to your partner as well.","start":388.39,"end":395.89,"sentiment":"neutral","sentiment_score":-0.026652655377984048},{"text":"But that doesn't it limits what we can do in this conversation, but it doesn't limit how we can proceed.","start":396.67,"end":402.53,"sentiment":"neutral","sentiment_score":0.07390238605439663},{"text":"Yeah.","start":406.69498,"end":407.19498,"sentiment":"neutral","sentiment_score":0.025726035237312317}],"sentiment":"neutral","sentiment_score":0.04412071698655685,"num_words":60,"start":376.965,"end":407.19498},{"sentences":[{"text":"Gold Avenue.","start":419.34,"end":420.56,"sentiment":"positive","sentiment_score":0.44099104404449463},{"text":"Yeah.","start":420.7,"end":421.2,"sentiment":"neutral","sentiment_score":0.2572716474533081},{"text":"Yeah.","start":429.18002,"end":429.68002,"sentiment":"neutral","sentiment_score":0.24668720364570615},{"text":"No.","start":439.875,"end":440.375,"sentiment":"neutral","sentiment_score":-0.11926968395709991},{"text":"Yeah.","start":440.675,"end":441.175,"sentiment":"neutral","sentiment_score":-0.0722426176071167}],"sentiment":"neutral","sentiment_score":0.19907143960396448,"num_words":6,"start":419.34,"end":441.175},{"sentences":[{"text":"Can I ask?","start":441.395,"end":442.115,"sentiment":"neutral","sentiment_score":-0.0866454616189003},{"text":"Because as I understand your partner is with Peak Pinnacle, they wouldn't talk to the two of you as a 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percent.","start":514.195,"end":514.935,"sentiment":"neutral","sentiment_score":0.011986952275037766}],"sentiment":"neutral","sentiment_score":-0.09816280112136155,"num_words":8,"start":502.46,"end":514.935},{"sentences":[{"text":"Can I ask?","start":515.235,"end":516.215,"sentiment":"neutral","sentiment_score":-0.058542667577664055},{"text":"Yeah.","start":516.675,"end":516.995,"sentiment":"neutral","sentiment_score":-0.03173104673624039},{"text":"Sorry.","start":516.995,"end":517.495,"sentiment":"neutral","sentiment_score":-0.027554158121347427},{"text":"No.","start":519.235,"end":519.47504,"sentiment":"neutral","sentiment_score":-0.18196076154708865},{"text":"It is it is definitely a lot of money to just be sitting there, I guess, not doing anything, especially when you're you're over offset, if that makes sense.","start":519.47504,"end":527.29,"sentiment":"neutral","sentiment_score":-0.2929119138882078}],"sentiment":"neutral","sentiment_score":-0.2546091277684484,"num_words":35,"start":515.235,"end":527.29},{"sentences":[{"text":"Like, you've only got a $377,000 loan.","start":527.29,"end":530.25,"sentiment":"neutral","sentiment_score":-0.16777505619185312},{"text":"You've got $400,000 sitting in the offset.","start":530.25,"end":532.08997,"sentiment":"neutral","sentiment_score":-0.14244173892906734},{"text":"So it means that, theoretically, there's, you know, a few thou few tens of thousands of dollars sitting there that is actually doing nothing.","start":532.08997,"end":539.805,"sentiment":"neutral","sentiment_score":-0.20420388504862785},{"text":"You know?","start":540.025,"end":540.585,"sentiment":"neutral","sentiment_score":-0.07854503020644188},{"text":"The 370 7,000 that's sitting there is obviously helping you because it's physically offsetting to the cent you know, the loan.","start":540.585,"end":548.51,"sentiment":"neutral","sentiment_score":-0.07985755872158777}],"sentiment":"neutral","sentiment_score":-0.14600835410786456,"num_words":61,"start":527.29,"end":548.51},{"sentences":[{"text":"So you're paying no interest.","start":548.51,"end":549.55,"sentiment":"neutral","sentiment_score":-0.24228717684745787},{"text":"So you're realistically saving 6.38% in interest by having that there, but the additional money is really honestly doing nothing.","start":549.55,"end":557.41,"sentiment":"neutral","sentiment_score":-0.31417555958032606},{"text":"Can I what I was gonna ask was, what is your husband earning as an income?","start":558.58997,"end":563.185,"sentiment":"neutral","sentiment_score":0.006107078050263226},{"text":"Because I can realistically factor him into a degree with regards to how we can approach some of the avenues for advice.","start":563.185,"end":572.72504,"sentiment":"neutral","sentiment_score":0.07554253021424467},{"text":"Okay.","start":576.385,"end":576.885,"sentiment":"neutral","sentiment_score":0.14068755507469177}],"sentiment":"neutral","sentiment_score":-0.08741579073830508,"num_words":64,"start":548.51,"end":576.885},{"sentences":[{"text":"Okay.","start":593.645,"end":594.145,"sentiment":"neutral","sentiment_score":0.025407694280147552},{"text":"Okay.","start":596.605,"end":596.845,"sentiment":"neutral","sentiment_score":0.13071134686470032},{"text":"That's okay.","start":596.845,"end":597.485,"sentiment":"neutral","sentiment_score":0.19175010919570923},{"text":"And similar age to yourself?","start":597.485,"end":600.225,"sentiment":"neutral","sentiment_score":0.07015359029173851},{"text":"Okay.","start":606.59,"end":606.99005,"sentiment":"neutral","sentiment_score":0.05819276720285416}],"sentiment":"neutral","sentiment_score":0.0948579978197813,"num_words":10,"start":593.645,"end":606.99005},{"sentences":[{"text":"So 56 this year.","start":606.99005,"end":608.45,"sentiment":"neutral","sentiment_score":0.06380393635481596},{"text":"Alright.","start":610.03,"end":610.53,"sentiment":"neutral","sentiment_score":0.1977133601903915},{"text":"And he's gonna continue working up until you're 65 or 61.","start":610.83,"end":619.135,"sentiment":"neutral","sentiment_score":0.14600339735096152},{"text":"Sorry.","start":619.135,"end":619.635,"sentiment":"neutral","sentiment_score":-0.012418434023857117},{"text":"6 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assuming.","start":659.38995,"end":663.56995,"sentiment":"neutral","sentiment_score":0.009771995712071657},{"text":"There's nothing that you hold that he doesn't.","start":663.62994,"end":665.88995,"sentiment":"neutral","sentiment_score":-0.035578436334617436},{"text":"Okay.","start":675.485,"end":675.985,"sentiment":"neutral","sentiment_score":0.017221704125404358},{"text":"Yep.","start":683.18,"end":683.68,"sentiment":"neutral","sentiment_score":0.039998844265937805},{"text":"Yep.","start":699.075,"end":699.575,"sentiment":"neutral","sentiment_score":0.27171048521995544}],"sentiment":"neutral","sentiment_score":0.006446289927943757,"num_words":19,"start":659.38995,"end":699.575},{"sentences":[{"text":"Perfect.","start":701.075,"end":701.575,"sentiment":"positive","sentiment_score":0.6402510404586792},{"text":"And he has his own Harley as well?","start":701.795,"end":703.975,"sentiment":"neutral","sentiment_score":0.1221340075135231},{"text":"That is great.","start":706.99005,"end":707.81,"sentiment":"positive","sentiment_score":0.5997892419497172},{"text":"Cool.","start":710.51,"end":711.01,"sentiment":"positive","sentiment_score":0.6034828424453735},{"text":"I love that.","start":713.95,"end":715.09,"sentiment":"positive","sentiment_score":0.7259215513865153}],"sentiment":"positive","sentiment_score":0.38737114518880844,"num_words":16,"start":701.075,"end":715.09},{"sentences":[{"text":"And I'm assuming, like, retirement is on the back of the Harley's into the sunset?","start":716.19,"end":721.015,"sentiment":"neutral","sentiment_score":0.17355867475271225},{"text":"Yeah.","start":727.315,"end":727.815,"sentiment":"neutral","sentiment_score":0.15512937307357788},{"text":"Yeah.","start":738.85004,"end":739.35004,"sentiment":"neutral","sentiment_score":0.07518292963504791},{"text":"Yeah.","start":741.49,"end":741.99,"sentiment":"neutral","sentiment_score":0.03758731484413147},{"text":"Perfect.","start":744.77,"end":745.27,"sentiment":"positive","sentiment_score":0.43106141686439514}],"sentiment":"neutral","sentiment_score":0.17380742924778084,"num_words":19,"start":716.19,"end":745.27},{"sentences":[{"text":"Alright.","start":746.055,"end":746.555,"sentiment":"neutral","sentiment_score":0.1493743658065796},{"text":"So there's a couple of things that we can definitely look at doing, and I can very limitedly factor your husband in as well.","start":747.735,"end":758.155,"sentiment":"neutral","sentiment_score":0.011946978280320764},{"text":"I'm not talking to him, so it becomes really hard from just a conversational perspective.","start":758.43,"end":762.85,"sentiment":"neutral","sentiment_score":-0.08494505509734154},{"text":"I have no idea why peak pinnacle wouldn't include you in an advice piece from an overall perspective.","start":762.91,"end":772.865,"sentiment":"neutral","sentiment_score":-0.05175097276353174},{"text":"It yeah.","start":775.165,"end":775.885,"sentiment":"neutral","sentiment_score":-0.00009993882849812508}],"sentiment":"neutral","sentiment_score":-0.029496522822106876,"num_words":60,"start":746.055,"end":775.885},{"sentences":[{"text":"It's just it's it's kind of weird, but I can definitely look at kind of including him from a from a 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okay.","start":834.61005,"end":835.35004,"sentiment":"neutral","sentiment_score":0.0235268697142601},{"text":"How it work yeah.","start":836.69,"end":837.99,"sentiment":"neutral","sentiment_score":0.2063660230487585}],"sentiment":"neutral","sentiment_score":0.05818576200140847,"num_words":9,"start":833.65,"end":837.99},{"sentences":[{"text":"So I guess the the first the first most important question that I have is, a, is our primary residence or our home, is that the intended home that we're we're we're intending on keeping forever at this point?","start":838.05005,"end":853.565,"sentiment":"neutral","sentiment_score":0.01955888666308079},{"text":"Okay.","start":853.785,"end":854.285,"sentiment":"neutral","sentiment_score":-0.0365041010081768},{"text":"Okay.","start":859.225,"end":859.725,"sentiment":"neutral","sentiment_score":-0.041371289640665054},{"text":"Okay.","start":864.92,"end":865.42,"sentiment":"neutral","sentiment_score":0.05127325654029846},{"text":"Yes.","start":874.92,"end":875.42,"sentiment":"neutral","sentiment_score":0.18444660305976868}],"sentiment":"neutral","sentiment_score":0.02141025694910177,"num_words":43,"start":838.05005,"end":875.42},{"sentences":[{"text":"Yes.","start":887.405,"end":887.905,"sentiment":"neutral","sentiment_score":0.08728515356779099},{"text":"Yep.","start":896.16003,"end":896.66003,"sentiment":"neutral","sentiment_score":0.07586658746004105},{"text":"Yeah.","start":900.08,"end":900.58,"sentiment":"neutral","sentiment_score":0.09249350428581238},{"text":"So the the good thing about that avenue is that because you're currently living in your PPR, like so prime primary place of residence.","start":900.80005,"end":908.305,"sentiment":"neutral","sentiment_score":0.2170189047853152},{"text":"Right?","start":908.305,"end":908.805,"sentiment":"neutral","sentiment_score":0.1625579297542572}],"sentiment":"neutral","sentiment_score":0.20095203178269522,"num_words":28,"start":887.405,"end":908.805},{"sentences":[{"text":"Because it is considered your prime primary residence, you pay no capital gains on it.","start":908.865,"end":913.665,"sentiment":"neutral","sentiment_score":0.14909876883029938},{"text":"So irrespective of the fact that you've owned it for, you know, x number of years, that's thirty three.","start":913.665,"end":921.48,"sentiment":"neutral","sentiment_score":0.12884123035167394},{"text":"Yeah.","start":930.085,"end":930.405,"sentiment":"neutral","sentiment_score":0.04684129357337952},{"text":"You pay nothing 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settled?","start":935.205,"end":938.10504,"sentiment":"neutral","sentiment_score":-0.012770517108341059},{"text":"Yep.","start":948.46,"end":948.96,"sentiment":"neutral","sentiment_score":0.01886698231101036},{"text":"Yeah.","start":956.595,"end":956.995,"sentiment":"neutral","sentiment_score":0.03154361993074417}],"sentiment":"neutral","sentiment_score":-0.003819804393539303,"num_words":19,"start":933.84503,"end":956.995},{"sentences":[{"text":"Amazing.","start":956.995,"end":957.495,"sentiment":"neutral","sentiment_score":0.19310227036476135},{"text":"And is that is that so you we sold it this year?","start":958.195,"end":961.735,"sentiment":"neutral","sentiment_score":0.04063944177081188},{"text":"This financial year?","start":962.915,"end":964.21497,"sentiment":"neutral","sentiment_score":0.006013070233166218},{"text":"Okay.","start":979.695,"end":980.195,"sentiment":"neutral","sentiment_score":0.015187809243798256},{"text":"So can I ask, do you know what the figures are on the property?","start":981.05505,"end":984.755,"sentiment":"neutral","sentiment_score":0.00003129137413842338}],"sentiment":"neutral","sentiment_score":0.023046473251475443,"num_words":31,"start":956.995,"end":984.755},{"sentences":[{"text":"So do you like, on the on the block that we sold, do you know when you bought it, what you bought it for, when we sold it, and what we sold it for?","start":985.135,"end":992.59503,"sentiment":"neutral","sentiment_score":-0.003924281089840566},{"text":"Yep.","start":994.71,"end":995.21,"sentiment":"neutral","sentiment_score":0.01392163522541523},{"text":"Okay.","start":1015.47504,"end":1015.97504,"sentiment":"neutral","sentiment_score":-0.009680435061454771},{"text":"And we owned it for longer than twelve months?","start":1017.47504,"end":1020.135,"sentiment":"neutral","sentiment_score":-0.022376679711871676},{"text":"We bought it.","start":1032.6,"end":1033.66,"sentiment":"neutral","sentiment_score":-0.0025053409238656363}],"sentiment":"neutral","sentiment_score":-0.0070435520222721,"num_words":48,"start":985.135,"end":1033.66},{"sentences":[{"text":"Yep.","start":1037.805,"end":1038.305,"sentiment":"neutral","sentiment_score":0.01030063908547163},{"text":"Okay.","start":1048.7001,"end":1049.2001,"sentiment":"neutral","sentiment_score":0.07913516461849213},{"text":"Alright.","start":1050.54,"end":1051.04,"sentiment":"neutral","sentiment_score":0.12256483733654022},{"text":"No.","start":1051.18,"end":1051.3401,"sentiment":"neutral","sentiment_score":0.08138247579336166},{"text":"That's good.","start":1051.3401,"end":1052.06,"sentiment":"neutral","sentiment_score":0.2512281537055969}],"sentiment":"neutral","sentiment_score":0.13263990404084325,"num_words":6,"start":1037.805,"end":1052.06},{"sentences":[{"text":"Perfect.","start":1052.06,"end":1052.56,"sentiment":"positive","sentiment_score":0.5044669508934021},{"text":"So we've owned it for a decent amount of time, and it was a fifty fifty ownership structure.","start":1052.7001,"end":1056.88,"sentiment":"neutral","sentiment_score":0.26539939559168285},{"text":"Just confirming.","start":1057.02,"end":1057.76,"sentiment":"neutral","sentiment_score":0.27981220185756683},{"text":"Perfect.","start":1059.675,"end":1060.175,"sentiment":"positive","sentiment_score":0.44140446186065674},{"text":"Okay.","start":1060.395,"end":1060.895,"sentiment":"neutral","sentiment_score":0.013692080043256285}],"sentiment":"neutral","sentiment_score":0.2737555224853365,"num_words":23,"start":1052.06,"end":1060.895},{"sentences":[{"text":"So I can do some tax calculations with respect to how we could maybe look at offsetting some of that tax for both you and your husband.","start":1061.5951,"end":1072.175,"sentiment":"neutral","sentiment_score":0.06249325708658607},{"text":"And what I'll do is I'll include some of his details in, I guess, the advice piece as well to sort of help cater for that side of everything.","start":1072.93,"end":1085.1901,"sentiment":"neutral","sentiment_score":0.12399499696390383},{"text":"I do need a couple of details from you for him, though, if that's okay.","start":1085.735,"end":1089.595,"sentiment":"neutral","sentiment_score":0.03796500600874424},{"text":"I have his name as Troy Yes, sir.","start":1092.2151,"end":1094.0151,"sentiment":"neutral","sentiment_score":0.10494908504188061},{"text":"We're married.","start":1094.4551,"end":1095.3351,"sentiment":"neutral","sentiment_score":0.09540776908397675}],"sentiment":"neutral","sentiment_score":0.0849760019990765,"num_words":81,"start":1061.5951,"end":1095.3351},{"sentences":[{"text":"I'm assuming same last name.","start":1095.3351,"end":1097.1951,"sentiment":"neutral","sentiment_score":0.07835544794797897},{"text":"You already confirmed his income.","start":1098.84,"end":1100.7,"sentiment":"neutral","sentiment_score":0.1011955700814724},{"text":"What's his date of birth?","start":1101.16,"end":1102.54,"sentiment":"neutral","sentiment_score":0.04066857621073723},{"text":"06/12/1970.","start":1109.5599,"end":1111.8,"sentiment":"neutral","sentiment_score":0.023193880915641785},{"text":"Cool.","start":1111.8,"end":1112.3,"sentiment":"positive","sentiment_score":0.6104997396469116}],"sentiment":"neutral","sentiment_score":0.10204656422138214,"num_words":17,"start":1095.3351,"end":1112.3},{"sentences":[{"text":"Love a good December 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it.","start":1130.62,"end":1136.72,"sentiment":"neutral","sentiment_score":0.059069640934467316},{"text":"But we can look at decreasing that capital gain, definitely.","start":1137.34,"end":1140.16,"sentiment":"neutral","sentiment_score":-0.017538464814424514},{"text":"But I'll have a look at that.","start":1143.695,"end":1145.475,"sentiment":"neutral","sentiment_score":0.020849607618791715},{"text":"Yeah.","start":1146.575,"end":1146.815,"sentiment":"neutral","sentiment_score":0.002026120200753212},{"text":"Sorry.","start":1146.815,"end":1147.315,"sentiment":"neutral","sentiment_score":-0.011637188494205477}],"sentiment":"neutral","sentiment_score":0.034359606022530416,"num_words":47,"start":1130.62,"end":1147.315},{"sentences":[{"text":"We can I can have a look at everything from that avenue and give advice to the two of you from that perspective?","start":1150.015,"end":1154.995,"sentiment":"neutral","sentiment_score":0.027400431749613388},{"text":"Then I can obviously look at your super for yourself and look at whether there's any avenue that we can make that better, possible, you know, contributions to save on tax ongoing, you know, looking maybe decreasing your income from a investment perspective.","start":1155.75,"end":1176.785,"sentiment":"neutral","sentiment_score":0.05887773455402186},{"text":"And I can also have a look at purchasing.","start":1177.965,"end":1183.18,"sentiment":"neutral","sentiment_score":0.05454698080817858},{"text":"So if we were to purchase a property, what area would we be looking at?","start":1183.24,"end":1196.0599,"sentiment":"neutral","sentiment_score":0.03139817677438259},{"text":"Yep.","start":1198.625,"end":1199.125,"sentiment":"neutral","sentiment_score":0.03342346474528313}],"sentiment":"neutral","sentiment_score":0.04568430175493052,"num_words":91,"start":1150.015,"end":1199.125},{"sentences":[{"text":"Yep.","start":1207.6649,"end":1208.1649,"sentiment":"neutral","sentiment_score":0.0571359321475029},{"text":"Yep.","start":1211.985,"end":1212.485,"sentiment":"neutral","sentiment_score":0.028579825535416603},{"text":"Yes.","start":1222.4501,"end":1222.9501,"sentiment":"neutral","sentiment_score":0.19463571906089783},{"text":"Okay.","start":1234.4651,"end":1234.9651,"sentiment":"neutral","sentiment_score":0.19991910457611084},{"text":"Alright.","start":1238.76,"end":1239.16,"sentiment":"neutral","sentiment_score":0.19403629004955292}],"sentiment":"neutral","sentiment_score":0.13486137427389622,"num_words":5,"start":1207.6649,"end":1239.16},{"sentences":[{"text":"So, like, a two to three bedroom unit complex.","start":1239.16,"end":1241.88,"sentiment":"neutral","sentiment_score":0.16608509255780113},{"text":"Is that the same?","start":1241.88,"end":1242.78,"sentiment":"neutral","sentiment_score":0.198428675532341},{"text":"K.","start":1243.64,"end":1244.14,"sentiment":"neutral","sentiment_score":0.1805737167596817},{"text":"Update.","start":1246.52,"end":1247.02,"sentiment":"neutral","sentiment_score":0.2773951590061188},{"text":"Yeah.","start":1249.8,"end":1250.3,"sentiment":"neutral","sentiment_score":0.2837167978286743}],"sentiment":"neutral","sentiment_score":0.18938538804650307,"num_words":16,"start":1239.16,"end":1250.3},{"sentences":[{"text":"Yep.","start":1250.4401,"end":1250.9401,"sentiment":"neutral","sentiment_score":0.31707388162612915},{"text":"That way you just have all of the avenues looked after, and you can just kind of breathe a sigh of relief and not have to deal with any of it.","start":1251.065,"end":1258.525,"sentiment":"positive","sentiment_score":0.4383206131958192},{"text":"Yeah.","start":1274.7001,"end":1275.2001,"sentiment":"neutral","sentiment_score":-0.021799517795443535},{"text":"You wanna be able to lock up the home and jump into the caravan because the wind takes you and go.","start":1278.635,"end":1284.3351,"sentiment":"neutral","sentiment_score":0.06675841393215316},{"text":"Yeah.","start":1285.035,"end":1285.535,"sentiment":"neutral","sentiment_score":0.07416369020938873}],"sentiment":"neutral","sentiment_score":0.2792600682851943,"num_words":55,"start":1250.4401,"end":1285.535},{"sentences":[{"text":"Yeah.","start":1287.675,"end":1288.175,"sentiment":"neutral","sentiment_score":0.060570307075977325},{"text":"100%.","start":1296.87,"end":1297.51,"sentiment":"neutral","sentiment_score":0.05372951179742813},{"text":"And the time is at managing.","start":1297.51,"end":1298.8099,"sentiment":"neutral","sentiment_score":0.03312010131776333},{"text":"Okay.","start":1300.15,"end":1300.65,"sentiment":"neutral","sentiment_score":0.07153704762458801},{"text":"Oh, yeah.","start":1307.0951,"end":1308.0751,"sentiment":"neutral","sentiment_score":-0.0914620403200388}],"sentiment":"neutral","sentiment_score":0.018330308524045078,"num_words":11,"start":1287.675,"end":1308.0751},{"sentences":[{"text":"No.","start":1311.5751,"end":1311.9751,"sentiment":"neutral","sentiment_score":-0.19264253973960876},{"text":"Like, I'm only on an acre, and I have the same issue.","start":1311.9751,"end":1314.775,"sentiment":"neutral","sentiment_score":-0.17907252783576647},{"text":"Obviously, I looked at the yard this weekend and went, if I just close my eyes, it doesn't exist.","start":1314.775,"end":1319.63,"sentiment":"neutral","sentiment_score":-0.16806204577809886},{"text":"Right?","start":1319.63,"end":1320.13,"sentiment":"neutral","sentiment_score":-0.17043420672416687},{"text":"100 percent.","start":1324.8301,"end":1325.73,"sentiment":"neutral","sentiment_score":-0.13849425315856934}],"sentiment":"neutral","sentiment_score":-0.17091755590268543,"num_words":35,"start":1311.5751,"end":1325.73},{"sentences":[{"text":"Yeah.","start":1342.665,"end":1343.165,"sentiment":"neutral","sentiment_score":-0.03591311350464821},{"text":"No.","start":1343.9501,"end":1344.3501,"sentiment":"neutral","sentiment_score":-0.09867112338542938},{"text":"Yeah.","start":1344.3501,"end":1344.67,"sentiment":"neutral","sentiment_score":0.1035945788025856},{"text":"You wanna you wanna be able to you wanna be able to sit back and enjoy it.","start":1344.67,"end":1348.93,"sentiment":"neutral","sentiment_score":0.31246195119969983},{"text":"Thousand 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them?","start":1367.775,"end":1368.995,"sentiment":"neutral","sentiment_score":0.00877307984046638}],"sentiment":"neutral","sentiment_score":0.05265198718530662,"num_words":33,"start":1349.8701,"end":1368.995},{"sentences":[{"text":"Anything that they garner from your wage?","start":1369.32,"end":1371.0,"sentiment":"neutral","sentiment_score":-0.09183256913508688},{"text":"Nothing?","start":1371.0,"end":1371.5,"sentiment":"neutral","sentiment_score":-0.05350486561655998},{"text":"Perfect.","start":1371.7999,"end":1372.2,"sentiment":"neutral","sentiment_score":0.04419543594121933},{"text":"Just wanted to double check.","start":1372.2,"end":1373.5,"sentiment":"neutral","sentiment_score":-0.013174023106694221},{"text":"And then the savings that you put away each week, I have $400 each week that you put away.","start":1374.84,"end":1379.26,"sentiment":"neutral","sentiment_score":-0.007341061375643078}],"sentiment":"neutral","sentiment_score":-0.025984475614898132,"num_words":33,"start":1369.32,"end":1379.26},{"sentences":[{"text":"Is that together with Troy is what you put away, or is that yours independently?","start":1379.32,"end":1382.7,"sentiment":"neutral","sentiment_score":-0.017105007233719032},{"text":"Yep.","start":1395.375,"end":1395.875,"sentiment":"neutral","sentiment_score":-0.018217667937278748},{"text":"Yep.","start":1396.735,"end":1397.235,"sentiment":"neutral","sentiment_score":-0.042288996279239655},{"text":"Yeah.","start":1413.655,"end":1414.155,"sentiment":"neutral","sentiment_score":0.01862853206694126},{"text":"Yeah.","start":1429.86,"end":1430.36,"sentiment":"neutral","sentiment_score":-0.004421338438987732}],"sentiment":"neutral","sentiment_score":-0.01594076732075528,"num_words":19,"start":1379.32,"end":1430.36},{"sentences":[{"text":"No.","start":1430.8201,"end":1431.06,"sentiment":"neutral","sentiment_score":-0.05466955900192261},{"text":"That's okay.","start":1431.06,"end":1432.4401,"sentiment":"neutral","sentiment_score":-0.004747331142425537},{"text":"Yeah.","start":1436.7949,"end":1437.2949,"sentiment":"neutral","sentiment_score":-0.04676660895347595},{"text":"Yeah.","start":1447.355,"end":1447.835,"sentiment":"neutral","sentiment_score":0.09518716484308244},{"text":"Yeah.","start":1447.835,"end":1447.995,"sentiment":"neutral","sentiment_score":0.14149686694145203}],"sentiment":"neutral","sentiment_score":0.02095886692404747,"num_words":6,"start":1430.8201,"end":1447.995},{"sentences":[{"text":"It pops back up quick quickly enough.","start":1447.995,"end":1449.855,"sentiment":"neutral","sentiment_score":0.24264687512602126},{"text":"Okay.","start":1450.1549,"end":1450.6549,"sentiment":"neutral","sentiment_score":0.2235594093799591},{"text":"Good.","start":1451.61,"end":1452.11,"sentiment":"neutral","sentiment_score":0.32301414012908936},{"text":"No.","start":1452.17,"end":1452.33,"sentiment":"neutral","sentiment_score":0.06516581028699875},{"text":"No.","start":1452.33,"end":1452.41,"sentiment":"neutral","sentiment_score":-0.01788373291492462}],"sentiment":"neutral","sentiment_score":0.20839852297847922,"num_words":11,"start":1447.995,"end":1452.41},{"sentences":[{"text":"No.","start":1452.41,"end":1452.57,"sentiment":"neutral","sentiment_score":-0.007790125906467438},{"text":"That's that's good to know.","start":1452.57,"end":1453.87,"sentiment":"neutral","sentiment_score":0.20499508827924728},{"text":"Alright.","start":1454.17,"end":1454.67,"sentiment":"neutral","sentiment_score":0.12076123803853989},{"text":"Area, what the costs are looking like in the area of, you know, for a minute.","start":1467.585,"end":1473.345,"sentiment":"neutral","sentiment_score":0.008961668005213141},{"text":"Obviously, I'm not gonna have a very specific cost because I'm not gonna be house looking for you, but I can have a a rough avenue with cost wise as to what that's gonna look like.","start":1473.345,"end":1483.89,"sentiment":"neutral","sentiment_score":-0.019924653538813192}],"sentiment":"neutral","sentiment_score":0.009560096851092274,"num_words":59,"start":1452.41,"end":1483.89},{"sentences":[{"text":"I can then look at how that's gonna work for us from a purchase borrowing perspective, estimated income avenues for that for the next seven years, and sort of start nutting out how we could go down that avenue and whether it's appropriate avenue to go down.","start":1483.89,"end":1499.405,"sentiment":"neutral","sentiment_score":0.04421522021739486},{"text":"As you said, you're happy to sell the current primary residence, which is always my biggest question mark or my biggest, I guess, concern with anyone who is, you know, 40 plus purchasing a house.","start":1499.705,"end":1513.6,"sentiment":"neutral","sentiment_score":-0.03460390759365899},{"text":"Because, realistically, if you're going for a thirty year mortgage, any lender wants to know what your exit strategy is.","start":1513.6,"end":1519.155,"sentiment":"neutral","sentiment_score":-0.07780841495841742},{"text":"If we're 40 or over, it means that thirty years is pushing us to 70, and they our lenders wanna know how you're gonna pay that mortgage off within the time frame.","start":1519.395,"end":1529.015,"sentiment":"neutral","sentiment_score":0.0038517559587489814},{"text":"So whether they sometimes they offer a lower a lower time frame.","start":1529.3151,"end":1533.4501,"sentiment":"neutral","sentiment_score":0.03676112702426811}],"sentiment":"neutral","sentiment_score":-0.0008547945188881498,"num_words":146,"start":1483.89,"end":1533.4501},{"sentences":[{"text":"So instead of thirty years, they might offer twenty five, so on and so forth.","start":1533.4501,"end":1536.43,"sentiment":"neutral","sentiment_score":0.03117166223625342},{"text":"But if we have a avenue that we're, you know, wanting to eventually downsize, sell off the current PPR and move into the what we what would be investment unit.","start":1536.89,"end":1547.525,"sentiment":"neutral","sentiment_score":0.019934059803684553},{"text":"Yeah.","start":1548.545,"end":1549.045,"sentiment":"neutral","sentiment_score":0.0674770399928093},{"text":"Yeah.","start":1578.895,"end":1579.395,"sentiment":"neutral","sentiment_score":0.03733108565211296},{"text":"Yeah.","start":1582.415,"end":1582.915,"sentiment":"neutral","sentiment_score":0.14588662981987}],"sentiment":"neutral","sentiment_score":0.027422739231648546,"num_words":48,"start":1533.4501,"end":1582.915},{"sentences":[{"text":"Perfect.","start":1583.92,"end":1584.42,"sentiment":"neutral","sentiment_score":0.2899406850337982},{"text":"No.","start":1584.48,"end":1584.9601,"sentiment":"neutral","sentiment_score":0.1705474555492401},{"text":"Good.","start":1584.9601,"end":1585.4401,"sentiment":"neutral","sentiment_score":0.32283252477645874},{"text":"Good.","start":1585.4401,"end":1585.68,"sentiment":"positive","sentiment_score":0.3738363385200501},{"text":"Good.","start":1585.68,"end":1585.92,"sentiment":"positive","sentiment_score":0.4021575450897217}],"sentiment":"neutral","sentiment_score":0.3118629097938538,"num_words":5,"start":1583.92,"end":1585.92},{"sentences":[{"text":"Good.","start":1585.92,"end":1586.16,"sentiment":"positive","sentiment_score":0.5118522644042969},{"text":"Good.","start":1586.16,"end":1586.66,"sentiment":"positive","sentiment_score":0.38381004333496094},{"text":"And if we Yeah.","start":1587.36,"end":1594.66,"sentiment":"neutral","sentiment_score":0.07513445056974888},{"text":"Yeah.","start":1598.3351,"end":1598.735,"sentiment":"neutral","sentiment_score":0.09347395598888396},{"text":"Absolutely.","start":1598.735,"end":1599.235,"sentiment":"neutral","sentiment_score":0.11850037425756454}],"sentiment":"neutral","sentiment_score":0.17602180503308773,"num_words":8,"start":1585.92,"end":1599.235},{"sentences":[{"text":"No.","start":1599.6951,"end":1600.1951,"sentiment":"neutral","sentiment_score":0.08805122971534729},{"text":"Fantastic.","start":1600.415,"end":1600.915,"sentiment":"positive","sentiment_score":0.4276777505874634},{"text":"Alright.","start":1601.2151,"end":1601.7151,"sentiment":"neutral","sentiment_score":0.2311197966337204},{"text":"Well, I'll have a look at all of this, see where we can go with it.","start":1602.015,"end":1606.3551,"sentiment":"neutral","sentiment_score":0.14962482219561934},{"text":"Can I ask?","start":1607.2151,"end":1607.7101,"sentiment":"neutral","sentiment_score":0.04649587472279867}],"sentiment":"neutral","sentiment_score":0.14910607073794713,"num_words":22,"start":1599.6951,"end":1607.7101},{"sentences":[{"text":"I think the only thing I'm probably missing is is your your husband, do you know how much he saves a week or how much he puts the money into 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No.","start":1645.14,"end":1657.5449,"sentiment":"neutral","sentiment_score":0.057084884494543076},{"text":"Perfect.","start":1657.5449,"end":1658.0449,"sentiment":"positive","sentiment_score":0.3825985789299011},{"text":"Cool.","start":1658.4249,"end":1658.825,"sentiment":"positive","sentiment_score":0.4065142273902893},{"text":"Alright.","start":1658.825,"end":1659.1449,"sentiment":"neutral","sentiment_score":0.32958564162254333},{"text":"So he's got a little bit of money saved, and he puts money regularly away into savings as 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can hit our our possible avenues to purchase and go from there or whether maybe it's not a go right now and we wait a few more years and purchase maybe when we're ready to downsize or what we kinda go with.","start":1668.51,"end":1688.565,"sentiment":"neutral","sentiment_score":0.11651961132884026},{"text":"So I'll have a look at the areas that we're looking to buy in, what our obvious rental income estimation, estimated interest rates would be, and how that would look from a cost perspective, have a look at how we would approach that to, obviously, make sure that we're covering everything off, and then we can go from there.","start":1688.565,"end":1714.005,"sentiment":"neutral","sentiment_score":0.10709639057769614},{"text":"Okay?","start":1714.005,"end":1714.4049,"sentiment":"neutral","sentiment_score":0.07180999964475632},{"text":"And it realistically, it might just be a bit of a numbers game drawn up on, you know, maybe it's an option.","start":1714.4049,"end":1721.19,"sentiment":"neutral","sentiment_score":0.06673929941925136},{"text":"Guidance.","start":1722.37,"end":1722.87,"sentiment":"neutral","sentiment_score":0.13113898038864136}],"sentiment":"neutral","sentiment_score":0.10508269208426378,"num_words":147,"start":1668.51,"end":1722.87},{"sentences":[{"text":"Yeah.","start":1722.9299,"end":1723.4299,"sentiment":"neutral","sentiment_score":0.08047404885292053},{"text":"Yeah.","start":1745.8201,"end":1746.3201,"sentiment":"neutral","sentiment_score":-0.11133617162704468},{"text":"Yeah.","start":1758.0751,"end":1758.5751,"sentiment":"neutral","sentiment_score":-0.015936732292175293},{"text":"Yeah.","start":1759.915,"end":1760.235,"sentiment":"neutral","sentiment_score":0.01598181575536728},{"text":"Yeah.","start":1760.235,"end":1760.555,"sentiment":"neutral","sentiment_score":0.013195104897022247}],"sentiment":"neutral","sentiment_score":-0.0035243868827819825,"num_words":5,"start":1722.9299,"end":1760.555},{"sentences":[{"text":"And that would probably be rough figures.","start":1760.555,"end":1762.415,"sentiment":"neutral","sentiment_score":-0.03500975402338164},{"text":"I wanna see if I can get you to the point between the two of you.","start":1762.4751,"end":1765.515,"sentiment":"neutral","sentiment_score":0.04236199287697673},{"text":"I'll run the figures properly.","start":1765.515,"end":1766.8151,"sentiment":"neutral","sentiment_score":0.04899993762373924},{"text":"And so long as we're pretty truthful on the fact that he's at $1.30, you've at 80 plus the capital gain.","start":1767.115,"end":1773.65,"sentiment":"neutral","sentiment_score":0.04620949471635478},{"text":"I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing.","start":1773.65,"end":1789.8351,"sentiment":"neutral","sentiment_score":0.04200202291426451}],"sentiment":"neutral","sentiment_score":0.037686481464066,"num_words":95,"start":1760.555,"end":1789.8351},{"sentences":[{"text":"Because, realistically, if we're gonna give it to the government, why give it to the government when we can give it to ourselves?","start":1790.4551,"end":1794.2351,"sentiment":"neutral","sentiment_score":-0.18092211449275847},{"text":"Yeah.","start":1804.1499,"end":1804.6499,"sentiment":"neutral","sentiment_score":-0.08572594076395035},{"text":"Yeah.","start":1811.205,"end":1811.705,"sentiment":"neutral","sentiment_score":-0.130497008562088},{"text":"No.","start":1813.445,"end":1813.845,"sentiment":"neutral","sentiment_score":-0.2652762532234192},{"text":"Absolutely.","start":1813.845,"end":1814.345,"sentiment":"neutral","sentiment_score":-0.2885594367980957}],"sentiment":"neutral","sentiment_score":-0.18263952861781474,"num_words":27,"start":1790.4551,"end":1814.345},{"sentences":[{"text":"Yeah.","start":1829.22,"end":1829.72,"sentiment":"neutral","sentiment_score":0.1468830555677414},{"text":"Absolutely.","start":1830.82,"end":1831.32,"sentiment":"positive","sentiment_score":0.515602171421051},{"text":"Yeah.","start":1831.78,"end":1832.1,"sentiment":"positive","sentiment_score":0.3554149270057678},{"text":"No.","start":1832.1,"end":1832.4199,"sentiment":"neutral","sentiment_score":0.2104577273130417},{"text":"And 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hard.","start":1850.235,"end":1853.38,"sentiment":"neutral","sentiment_score":-0.17327097744088282},{"text":"Okay.","start":1853.38,"end":1853.88,"sentiment":"neutral","sentiment_score":-0.03650034964084625},{"text":"Yeah.","start":1864.26,"end":1864.76,"sentiment":"neutral","sentiment_score":0.013748757541179655},{"text":"Yeah.","start":1881.58,"end":1882.08,"sentiment":"neutral","sentiment_score":0.07020092010498047}],"sentiment":"neutral","sentiment_score":-0.021240906679027137,"num_words":42,"start":1842.635,"end":1882.08},{"sentences":[{"text":"Which is weird because there's so many there's so many other avenues that they could look in anyway.","start":1883.74,"end":1888.5599,"sentiment":"neutral","sentiment_score":0.10075369228919347},{"text":"Yeah.","start":1888.62,"end":1889.12,"sentiment":"neutral","sentiment_score":0.11491680145263672},{"text":"It's not a 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Fabian. How are you doing? Oh, okay. Oh, fuck. I didn't copy all the goals over. What was I gonna say? So this lady, her partner signed up with Peak, Peak Pinnacle. They he she was referred through, and Pete came back not in best interest for her. Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple. They would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review. That way we can get some holistic advice together as a couple. I said, I'm pretty sure if OKU takes you as a client, if you guys want advice holistically, they're gonna be okay with it. But, look, I'm not a 100% sure, but I'm pretty sure you guys sort of come part and parcel, and they'll be happy to help you. So I'm not sure if that's the case or not, but that is one of the real big keys for them is they got money sitting in an offset account. They're considering whether they should buy an investment property, pay off their mortgage. They've got another international investment that'll cash out in about seven years. So there's all of these things that they want advice on outside of super. They wanna sort their super as well. But, yeah, that's, I guess, some of the main points for them that they wanted to try and address. So I just wanted to give you a heads up on that side. I'm just gonna copy some of this stuff over as well. Sorry. I'm just dumping stuff in where I can, so it's gonna look a little bit messy. Yeah. It's fully offset at the moment because no. Fully offset. Not not paying any interest at the moment. And so I have booked her in for midday on Wednesday. Will you be the adviser for, like, if she comes on board? Okay. Cool. So I will bring you in on that appointment time as well. I'll just send that through to you now. Cool. Awesome. Anything else before you got me? Awesome. Cool. Alright. I'll just grab it for you. Thanks for holding. Sorry about the cold. That's okay. I just wanted to give Larissa a bit of an understanding on your situation and the importance of advice on things outside of Super as well just so she's got a bit of a a bigger picture for you. Yep. She'll just pick off on what she needs to before they start working on the plan, and then I will hopefully catch up with you on Wednesday. That'll be great. No worries. Okay. Yeah. Good afternoon. Thank you. K. Bye. Hi, Larissa. I'm good. Yourself? Yep. Yep. Yes. That's correct. Yeah. Just what yeah. We just well, we wanna do a bit of, like, which we should be in our age group with that. What would be the best thing for us to sort of do? Do we just pay off the mortgage? Do we put some into our mortgage and bringing that down and put the rest into an investment property or a unit or or something like that. Or do you know? Just we weren't quite sure, like, you but I would originally, we're gonna just pay off our mortgage and be mortgage free. But a couple of friends of ours said, well, that is one way to go, but you probably should keep your mortgage open a little bit because you still got asset in your house even though because your house is worth more. You've got a lot of, like, collateral in that house to be able to do something with anyway. So keeping it open is always a better thing. But okay. Well, then what do we do? Do we then put spend x amount on this or x amount on pay some of the most? Or do we put the money into our super instead and buy instead of buying an investment property? But we just we've just got it sitting at the moment, and then we haven't really made any issues to do anything. Yeah. So I was if we did go with this, I was just wondering, like, what would be the best or advice that we could get regarding, you know, we'd dump it in our super and top it up. But then if we lose it all, then that's my sort of deep thought. But, I mean, buying and investment probably could do the same thing if it if it permits again and then you're stuck with this mortgage you can't pay, all that sort of stuff. So yeah. Yep. He's sort of on the same boat. That's what his supervisor sort of he couldn't tell couldn't give him much because I wasn't part of the team. I'm like, okay. Well, you know, if it was just single on my own, what would be the best thing to do? It's we both had the same sort of goal plan, like, yeah, in that which would be the best that would suit us, like, in long term to be able to help us when we retired. It was is our game is to be able to tie more comfortably in seven years with those extra things put in place that we can draw on to make our lives comfortable, why we have the money to do it sort of thing. Yep. And he said he couldn't give my husband much advice because I wasn't in the same group. Like, he said he couldn't do much unless I went on, and that's where my husband said to me, oh, we're gonna see if you can go on it as well because then we can link together. And I'm like, okay. Well, I didn't know anything about it. I said, you can do what you like. I'm happy to give it a go. You know, no harm in trying. And then we went through it all, and then they said it wasn't really worth viable to it'd program the same path as what I'm already on with Hester anyway. And that was as far as the conversation went. What that's okay. So at the moment, we're just out of stem. I mean, the money is just sitting there. It's not going anywhere, but it's not doing anything for us either while it's sitting there. So yeah. We're paying off, yeah, interest on the mortgage, but we're just paying the yeah. We're paying the principal off now, but yeah. But as in not actually doing something for us besides just that while we're sitting there. But yeah. Because we just don't know, like, it's it's a lot of money. Yeah. Go for it. Yes. Yeah. Yes. Eight. Yeah. He earns about a 130,000 a year. He works five days a week, and he does roughly ten to twelve hour days. So yeah. So he runs roughly about a 130. I don't work that hard. I try not to. So mine's always a little bit I was sitting in the lower bracket, but yeah. So he runs there at roughly about 130,000 a year. He's, yeah, he's four years older than me. So he's 55, 56 this year. Yeah. He I think he is paying on working to 65, I think he said, which means that for me, it would be 60 one. Because we sort of roughly wanna, you know, retire roughly the same year because we can go off and do things instead of him waiting for me for another four or five years while he's not working just to be able to go and do stuff. So but if I had to work the 65, I mean, I would, but it's just we were roughly thinking if he he retired at 65, I'd be 61. If we can retire with the money we've got in our The only joint thing we've got is a house and the money I the car and and that are all mine. He's got his own car and stuff like that, his assets. But, yeah, we've got the shared fractional share overseas that we both joint own, and the house is joint owned. But the cars and the bikes, he's got his own bikes and he's got his own cars because he's got the more expensive ones because we don't he's gotta work you. So we've got a really good car. Mine's just a run around one to get to and from work, and things like that. So yeah. Yep. He's got his own Harley. He's got a nice one. This is about 26 grand. Yeah. It's it's just getting out and just tripping around. Like, I I love camping and just love going on holidays. So I'd I'd probably caravan for a year or so and have a home base. But we do a lot of motorbike riding. We do a lot of touring now on weekends and try and get out as much as possible. So it'd be a combination of things. Yep. Yeah. Yeah. He just sort of said he couldn't yeah. We were just wanting a bit of advice, you know, even if it was just for like I said, even if I just went as a single, what would be a good thing? Like, I said, do do I buy an investment or do we put in our super and top up our super instead and make more money that way? And hopefully, at the end, we'd have more gain. But, you know, we just weren't sure what to do. I said, original plan was just to pay the mortgage off and be done. But now we've got all these other little avenues coming to us. Like, we should probably invest in another one because, you know, seven years we can turn around and sell that off and make whatever we make from that, you know, pop back into our super then put it into our super because we're not gonna have any other, like, assets per se, and then just focus on our super. Yes. I just don't know which way to go about it. That was all. We were just wondering yeah. No. It's not. We probably will downsize when we retire using that, like, selling off the house and then buying something smaller that's more suitable for us. Like, at the moment, we thought if we buy an investment property that we wanna move into, like, say, a unit where there's no garden, there's no maintenance and stuff like that, if we buy that and use that as gonna be our retirement home, but rent it out in the meantime and then just when we go to move in, it just, you know, give it a fresh carpet, paint polish, all that sort of stuff when you move in. But buying something like that now for later down track and using this house as service off to pay that rest of that off and whatever's left over to put into our super or whatever. Yeah. Yep. Yeah. Yeah. We did that with the last house. Yeah. Yeah. This we've gotta pay capital gains on the block. Yep. Yeah. It's about 30,000. We've gotta pay a tax, but we got got a tax appointment next week, I think, to regarding receiving an offset some of that as well, what we can offset. But we've gotta wait to get our tax accountant on board when we get an appointment with him before the financial year ends. Yeah. So we sold that we sold the block of land this year. The capital gains at at this point, I think, was 30,000. So there's 370,000 in the account that we can touch. So the 30,000 of that we can't touch because that will be capital gains tax money. That was the bought yeah. We bought it for 290,000. And I can't remember what year it was. We sold it for 550,000. And I think there was about three or 4,000 in on our tax invoice. Yeah. Yeah. Yeah. No. We've been going to for, I think, 2,000 I think it was 2,000 '17, I think, we sold it or 2,018. So we've had it for about yeah. Yeah. Sorry. We bought it. I'm just trying to think. But, you know, we came over in 2014. We had the house over east for about three years after that. So I would say definitely 2017 or 2018, we bought it. Yes. Yep. Okay. Yep. Yeah. Yeah. That's fine. Yep. Yes. That's correct. '20 he says the June 1270. Yeah. We Yep. Perfect. That's yeah. We just did Yep. You're right. Yep. Yep. Yep. It it would probably be the metro area of Perth. We did think about going down south as far as Brumbury, which is sort of two and a half hours from the metropolitan area. We sort of most of our kids are over here with our grandkids, and they aren't in probably won't be moving away for a while. So we sort of still wanted to be based in Perth. But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance. So it'd be sort of like in a unit or an apartment of some sort. Yeah. Just where someone's doing all the you know, maybe something with that's got a bit of an amenities with it as well. Yeah. Yeah. Pretty much. I mean, we've always had a home, and we've always had, like, big blocks of land, and and we're now in a sort of reasonable size one. But I I just don't wanna be doing maintenance. Like, I don't wanna be out mowing lawns and trimming and gardening. You know, as we get older in life, I don't wanna be sort of worrying about that sort of thing. That's why I thought we'd be. That's it. And it's got that's it. And just get on the box and go sort of thing. So, yeah, that's we sort of something we can just lock up. I know you pay more for, like, strata fees and stuff like that, but you'd probably spend that in maintenance anyway on your own home. So yeah. That's it. You gotta have time to do it. Like, how we can just, you know, gotta do this this weekend. It's like, oh, yeah. I don't want that anymore. I just wanna be able to go in and have everything done for me. Yeah. You just don't look at it yet. He'll always be there next weekend if not a little bit worse, but yeah. That's it. We we and, you know, physically, I don't like, with my back, I can't do a lot of the stuff anymore, and Troy is not in the you know, physically, you know, you get all you got a bad back as well. Like, you know, we're not gonna be able to do that sort of thing. And you don't want it really either. You've done your time, I reckon. Well, that's it. You you let someone else deal with a hard jacket now. I just wanna enjoy life. No. No. I don't do anything. No. Just the normal straight. Yep. No. That's he has a totally different account. That's just purely what I put away. I usually, on average, have between 2 and 3,000 sitting in the savings account at any one time. It drops down and then it goes back up. Sometimes there's more. And then, you know, if I take time off work, I'd obviously pay for my own holidays and stuff like that because I'm only casual. So I usually have money sitting there to cover me for at least four to five weeks if I was off sick to pay my bills up until then. Because my income protection usually kicks in in a month's time, so if any over that, I should be able to, like, get around it. But I always have about that sitting in my account for a safety net. But, obviously, like I said, if I wanna if I'm going on holidays and I have to pay for tickets or something or flights and stuff, it usually drops right back down. Like, today, I've had to pay this ticket, so I'm down to about a thousand bucks. But over the next four weeks before I travel, that will build back up. Yeah. Yes. Yes. Yeah. Yes. Yeah. Yes. Yes. Well, I said it'd be yeah. That's what we would be doing. So we we wouldn't be we wanna downsize. We this house is what we wanna currently be in until we retire, and then we wanted to be if we bought, like, a place where we wanna be, that would be our retirement place to live. It'll be rented out in the meantime paying itself off until we sell the one we're in. Probably, that's what we'd like to do. So then this place would then pay off the unit completely, so we should be mortgage free. That's the sort of thought of the plan what we could do. And then also it goes on as to how much we put into that unit as well. Like, do we put a 100,000 as a deposit to borrow the rest? And then that way, we've always got a little bit of a safety net there anyway. Yeah. He's he's pretty he's pretty, screwgy. I think he's got about 10 to 15,000 saved. I buy all the Christmas presents. I buy all the toys. Like, I'm pretty flippant because I know he's always got money saved up if I need anything. So I'm not really the heavy saver. He is, because he doesn't spend any money on anything. Like, I do all the kids shop. If I want money, he will give me the money, but, like, he's just always been the saver. I I don't I don't even ask money off him either. So mine always goes before I I'm gonna be pre guest before I ask money off him, but I know it's there if we need it. There's money sitting there. Yep. Yep. Yep. Yep. Yeah. That's fine. We just wanted a bit of yeah. Yeah. We just wanted some options. Like, if we if we don't buy the the unit, do we just put the money in the super, or do we just pay this house completely off and then later down the track use this as collateral to then pay another unit down down the track? Like, we just like, someone just said to us, you shouldn't pay your mortgage completely off. You should have a little bit to then use, you know, if you need to redraw or whatever. And I'm like, okay. Well, that's where we left doing that. That completely went out the window then. So now it's sort of stuck. I think if we had paid their capital gains off, I think we ended up with, I think, 10,000 on our mortgage left is what we looked at. So yeah. Yep. Yep. That's it. That's what we were sort of thinking. That's why someone said, oh, that's why I said we need to speak to the tax account. I said I have no idea how to offset the capital gains or bring it down to less. At this stage, we were paying over 30 to 36,000. I'm like, okay. Well, that's wasted money. So yeah. And that's where we sort of that's why we left us with, like, 10,000 left to our mortgage if we didn't pay it off. And that's when we just all put anything on hold and went, I don't know what to do. Let's just hold the brakes. You can just sit there for the moment. It's not gonna go anywhere. It's just sitting there. In the meantime, we're just paying principal off our mortgage. So yeah. All good. Yep. Yep. Yep. Yeah. Not a problem. Yep. And I said, I mean, my tax goes up and down depending on how much I work in that year. My back's been really bad. I I do have less work, but I know last year was around 80. This year would probably be around the same, if not a little bit more because I've worked pretty much confident since last July. So all good. No worries. Alright. That will be great. I mean, like I said, there's no harm. Even in last time last time, I said that they couldn't help me any more than what Pesto was doing anyway. So, yeah, it is what it is. But that's happy. I'm happy to yeah. Yeah. No. That's fine. That's what I said. I said, you know, I don't know much about that. I, you know, I didn't even like Troy, like I said, Troy actually said the guy that was looking after Troy's money said you should we'll we'll flip over to get your city wife and get on to it. And that's where this is all sort of stemmed from. But other than that, I was oblivious to why everything else was going on. I was just sitting in the hair suckers. Every most nurses go with Hester anyway, and heard it's not the one of the worst ones, but it's not the best ones either. But it's that middle range. And I thought, well, you know, it is what it is. So this is just a bonus for me if it happens if it happens. So is it? Yep. Alright. Sounds good. I'll look forward to hearing to you on Wednesday. Uh-uh. No worries, Melissa. 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Larissa. Fabian. How are you doing? Oh, okay. Oh, fuck.\n\nI didn't copy all the goals over. What was I gonna say? So this lady, her partner signed up with Peak, Peak Pinnacle. They he she was referred through, and Pete came back not in best interest for her. Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple.\n\nThey would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review. That way we can get some holistic advice together as a couple. I said, I'm pretty sure if OKU takes you as a client, if you guys want advice holistically, they're gonna be okay with it. But, look, I'm not a 100% sure, but I'm pretty sure you guys sort of come part and parcel, and they'll be happy to help you. So I'm not sure if that's the case or not, but that is one of the real big keys for them is they got money sitting in an offset account.\n\nThey're considering whether they should buy an investment property, pay off their mortgage. They've got another international investment that'll cash out in about seven years. So there's all of these things that they want advice on outside of super. They wanna sort their super as well. But, yeah, that's, I guess, some of the main points for them that they wanted to try and address.\n\nSo I just wanted to give you a heads up on that side. I'm just gonna copy some of this stuff over as well. Sorry. I'm just dumping stuff in where I can, so it's gonna look a little bit messy. Yeah.\n\nIt's fully offset at the moment because no. Fully offset. Not not paying any interest at the moment. And so I have booked her in for midday on Wednesday. Will you be the adviser for, like, if she comes on board?\n\nOkay. Cool. So I will bring you in on that appointment time as well. I'll just send that through to you now. Cool.\n\nAwesome. Anything else before you got me? Awesome. Cool. Alright.\n\nI'll just grab it for you. Thanks for holding. Sorry about the cold. That's okay. I just wanted to give Larissa a bit of an understanding on your situation and the importance of advice on things outside of Super as well just so she's got a bit of a a bigger picture for you.\n\nYep. She'll just pick off on what she needs to before they start working on the plan, and then I will hopefully catch up with you on Wednesday. That'll be great. No worries. Okay.\n\nYeah. Good afternoon. Thank you. K. Bye.\n\nHi, Larissa. I'm good. Yourself? Yep. Yep.\n\nYes. That's correct. Yeah. Just what yeah. We just well, we wanna do a bit of, like, which we should be in our age group with that.\n\nWhat would be the best thing for us to sort of do? Do we just pay off the mortgage? Do we put some into our mortgage and bringing that down and put the rest into an investment property or a unit or or something like that. Or do you know? Just we weren't quite sure, like, you but I would originally, we're gonna just pay off our mortgage and be mortgage free.\n\nBut a couple of friends of ours said, well, that is one way to go, but you probably should keep your mortgage open a little bit because you still got asset in your house even though because your house is worth more. You've got a lot of, like, collateral in that house to be able to do something with anyway. So keeping it open is always a better thing. But okay. Well, then what do we do?\n\nDo we then put spend x amount on this or x amount on pay some of the most? Or do we put the money into our super instead and buy instead of buying an investment property? But we just we've just got it sitting at the moment, and then we haven't really made any issues to do anything. Yeah. So I was if we did go with this, I was just wondering, like, what would be the best or advice that we could get regarding, you know, we'd dump it in our super and top it up.\n\nBut then if we lose it all, then that's my sort of deep thought. But, I mean, buying and investment probably could do the same thing if it if it permits again and then you're stuck with this mortgage you can't pay, all that sort of stuff. So yeah. Yep. He's sort of on the same boat.\n\nThat's what his supervisor sort of he couldn't tell couldn't give him much because I wasn't part of the team. I'm like, okay. Well, you know, if it was just single on my own, what would be the best thing to do? It's we both had the same sort of goal plan, like, yeah, in that which would be the best that would suit us, like, in long term to be able to help us when we retired. It was is our game is to be able to tie more comfortably in seven years with those extra things put in place that we can draw on to make our lives comfortable, why we have the money to do it sort of thing.\n\nYep. And he said he couldn't give my husband much advice because I wasn't in the same group. Like, he said he couldn't do much unless I went on, and that's where my husband said to me, oh, we're gonna see if you can go on it as well because then we can link together. And I'm like, okay. Well, I didn't know anything about it.\n\nI said, you can do what you like. I'm happy to give it a go. You know, no harm in trying. And then we went through it all, and then they said it wasn't really worth viable to it'd program the same path as what I'm already on with Hester anyway. And that was as far as the conversation went.\n\nWhat that's okay. So at the moment, we're just out of stem. I mean, the money is just sitting there. It's not going anywhere, but it's not doing anything for us either while it's sitting there. So yeah.\n\nWe're paying off, yeah, interest on the mortgage, but we're just paying the yeah. We're paying the principal off now, but yeah. But as in not actually doing something for us besides just that while we're sitting there. But yeah. Because we just don't know, like, it's it's a lot of money.\n\nYeah. Go for it. Yes. Yeah. Yes.\n\nEight. Yeah. He earns about a 130,000 a year. He works five days a week, and he does roughly ten to twelve hour days. So yeah.\n\nSo he runs roughly about a 130. I don't work that hard. I try not to. So mine's always a little bit I was sitting in the lower bracket, but yeah. So he runs there at roughly about 130,000 a year.\n\nHe's, yeah, he's four years older than me. So he's 55, 56 this year. Yeah. He I think he is paying on working to 65, I think he said, which means that for me, it would be 60 one. Because we sort of roughly wanna, you know, retire roughly the same year because we can go off and do things instead of him waiting for me for another four or five years while he's not working just to be able to go and do stuff.\n\nSo but if I had to work the 65, I mean, I would, but it's just we were roughly thinking if he he retired at 65, I'd be 61. If we can retire with the money we've got in our The only joint thing we've got is a house and the money I the car and and that are all mine. He's got his own car and stuff like that, his assets. But, yeah, we've got the shared fractional share overseas that we both joint own, and the house is joint owned. But the cars and the bikes, he's got his own bikes and he's got his own cars because he's got the more expensive ones because we don't he's gotta work you.\n\nSo we've got a really good car. Mine's just a run around one to get to and from work, and things like that. So yeah. Yep. He's got his own Harley.\n\nHe's got a nice one. This is about 26 grand. Yeah. It's it's just getting out and just tripping around. Like, I I love camping and just love going on holidays.\n\nSo I'd I'd probably caravan for a year or so and have a home base. But we do a lot of motorbike riding. We do a lot of touring now on weekends and try and get out as much as possible. So it'd be a combination of things. Yep.\n\nYeah. Yeah. He just sort of said he couldn't yeah. We were just wanting a bit of advice, you know, even if it was just for like I said, even if I just went as a single, what would be a good thing? Like, I said, do do I buy an investment or do we put in our super and top up our super instead and make more money that way?\n\nAnd hopefully, at the end, we'd have more gain. But, you know, we just weren't sure what to do. I said, original plan was just to pay the mortgage off and be done. But now we've got all these other little avenues coming to us. Like, we should probably invest in another one because, you know, seven years we can turn around and sell that off and make whatever we make from that, you know, pop back into our super then put it into our super because we're not gonna have any other, like, assets per se, and then just focus on our super.\n\nYes. I just don't know which way to go about it. That was all. We were just wondering yeah. No.\n\nIt's not. We probably will downsize when we retire using that, like, selling off the house and then buying something smaller that's more suitable for us. Like, at the moment, we thought if we buy an investment property that we wanna move into, like, say, a unit where there's no garden, there's no maintenance and stuff like that, if we buy that and use that as gonna be our retirement home, but rent it out in the meantime and then just when we go to move in, it just, you know, give it a fresh carpet, paint polish, all that sort of stuff when you move in. But buying something like that now for later down track and using this house as service off to pay that rest of that off and whatever's left over to put into our super or whatever. Yeah.\n\nYep. Yeah. Yeah. We did that with the last house. Yeah.\n\nYeah. This we've gotta pay capital gains on the block. Yep. Yeah. It's about 30,000.\n\nWe've gotta pay a tax, but we got got a tax appointment next week, I think, to regarding receiving an offset some of that as well, what we can offset. But we've gotta wait to get our tax accountant on board when we get an appointment with him before the financial year ends. Yeah. So we sold that we sold the block of land this year. The capital gains at at this point, I think, was 30,000.\n\nSo there's 370,000 in the account that we can touch. So the 30,000 of that we can't touch because that will be capital gains tax money. That was the bought yeah. We bought it for 290,000. And I can't remember what year it was.\n\nWe sold it for 550,000. And I think there was about three or 4,000 in on our tax invoice. Yeah. Yeah. Yeah.\n\nNo. We've been going to for, I think, 2,000 I think it was 2,000 '17, I think, we sold it or 2,018. So we've had it for about yeah. Yeah. Sorry.\n\nWe bought it. I'm just trying to think. But, you know, we came over in 2014. We had the house over east for about three years after that. So I would say definitely 2017 or 2018, we bought it.\n\nYes. Yep. Okay. Yep. Yeah.\n\nYeah. That's fine. Yep. Yes. That's correct.\n\n'20 he says the June 1270. Yeah. We Yep. Perfect. That's yeah.\n\nWe just did Yep. You're right. Yep. Yep. Yep.\n\nIt it would probably be the metro area of Perth. We did think about going down south as far as Brumbury, which is sort of two and a half hours from the metropolitan area. We sort of most of our kids are over here with our grandkids, and they aren't in probably won't be moving away for a while. So we sort of still wanted to be based in Perth. But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance.\n\nSo it'd be sort of like in a unit or an apartment of some sort. Yeah. Just where someone's doing all the you know, maybe something with that's got a bit of an amenities with it as well. Yeah. Yeah.\n\nPretty much. I mean, we've always had a home, and we've always had, like, big blocks of land, and and we're now in a sort of reasonable size one. But I I just don't wanna be doing maintenance. Like, I don't wanna be out mowing lawns and trimming and gardening. You know, as we get older in life, I don't wanna be sort of worrying about that sort of thing.\n\nThat's why I thought we'd be. That's it. And it's got that's it. And just get on the box and go sort of thing. So, yeah, that's we sort of something we can just lock up.\n\nI know you pay more for, like, strata fees and stuff like that, but you'd probably spend that in maintenance anyway on your own home. So yeah. That's it. You gotta have time to do it. Like, how we can just, you know, gotta do this this weekend.\n\nIt's like, oh, yeah. I don't want that anymore. I just wanna be able to go in and have everything done for me. Yeah. You just don't look at it yet.\n\nHe'll always be there next weekend if not a little bit worse, but yeah. That's it. We we and, you know, physically, I don't like, with my back, I can't do a lot of the stuff anymore, and Troy is not in the you know, physically, you know, you get all you got a bad back as well. Like, you know, we're not gonna be able to do that sort of thing. And you don't want it really either.\n\nYou've done your time, I reckon. Well, that's it. You you let someone else deal with a hard jacket now. I just wanna enjoy life. No.\n\nNo. I don't do anything. No. Just the normal straight. Yep.\n\nNo. That's he has a totally different account. That's just purely what I put away. I usually, on average, have between 2 and 3,000 sitting in the savings account at any one time. It drops down and then it goes back up.\n\nSometimes there's more. And then, you know, if I take time off work, I'd obviously pay for my own holidays and stuff like that because I'm only casual. So I usually have money sitting there to cover me for at least four to five weeks if I was off sick to pay my bills up until then. Because my income protection usually kicks in in a month's time, so if any over that, I should be able to, like, get around it. But I always have about that sitting in my account for a safety net.\n\nBut, obviously, like I said, if I wanna if I'm going on holidays and I have to pay for tickets or something or flights and stuff, it usually drops right back down. Like, today, I've had to pay this ticket, so I'm down to about a thousand bucks. But over the next four weeks before I travel, that will build back up. Yeah. Yes.\n\nYes. Yeah. Yes. Yeah. Yes.\n\nYes. Well, I said it'd be yeah. That's what we would be doing. So we we wouldn't be we wanna downsize. We this house is what we wanna currently be in until we retire, and then we wanted to be if we bought, like, a place where we wanna be, that would be our retirement place to live.\n\nIt'll be rented out in the meantime paying itself off until we sell the one we're in. Probably, that's what we'd like to do. So then this place would then pay off the unit completely, so we should be mortgage free. That's the sort of thought of the plan what we could do. And then also it goes on as to how much we put into that unit as well.\n\nLike, do we put a 100,000 as a deposit to borrow the rest? And then that way, we've always got a little bit of a safety net there anyway. Yeah. He's he's pretty he's pretty, screwgy. I think he's got about 10 to 15,000 saved.\n\nI buy all the Christmas presents. I buy all the toys. Like, I'm pretty flippant because I know he's always got money saved up if I need anything. So I'm not really the heavy saver. He is, because he doesn't spend any money on anything.\n\nLike, I do all the kids shop. If I want money, he will give me the money, but, like, he's just always been the saver. I I don't I don't even ask money off him either. So mine always goes before I I'm gonna be pre guest before I ask money off him, but I know it's there if we need it. There's money sitting there.\n\nYep. Yep. Yep. Yep. Yeah.\n\nThat's fine. We just wanted a bit of yeah. Yeah. We just wanted some options. Like, if we if we don't buy the the unit, do we just put the money in the super, or do we just pay this house completely off and then later down the track use this as collateral to then pay another unit down down the track?\n\nLike, we just like, someone just said to us, you shouldn't pay your mortgage completely off. You should have a little bit to then use, you know, if you need to redraw or whatever. And I'm like, okay. Well, that's where we left doing that. That completely went out the window then.\n\nSo now it's sort of stuck. I think if we had paid their capital gains off, I think we ended up with, I think, 10,000 on our mortgage left is what we looked at. So yeah. Yep. Yep.\n\nThat's it. That's what we were sort of thinking. That's why someone said, oh, that's why I said we need to speak to the tax account. I said I have no idea how to offset the capital gains or bring it down to less. At this stage, we were paying over 30 to 36,000.\n\nI'm like, okay. Well, that's wasted money. So yeah. And that's where we sort of that's why we left us with, like, 10,000 left to our mortgage if we didn't pay it off. And that's when we just all put anything on hold and went, I don't know what to do.\n\nLet's just hold the brakes. You can just sit there for the moment. It's not gonna go anywhere. It's just sitting there. In the meantime, we're just paying principal off our mortgage.\n\nSo yeah. All good. Yep. Yep. Yep.\n\nYeah. Not a problem. Yep. And I said, I mean, my tax goes up and down depending on how much I work in that year. My back's been really bad.\n\nI I do have less work, but I know last year was around 80. This year would probably be around the same, if not a little bit more because I've worked pretty much confident since last July. So all good. No worries. Alright.\n\nThat will be great. I mean, like I said, there's no harm. Even in last time last time, I said that they couldn't help me any more than what Pesto was doing anyway. So, yeah, it is what it is. But that's happy.\n\nI'm happy to yeah. Yeah. No. That's fine. That's what I said.\n\nI said, you know, I don't know much about that. I, you know, I didn't even like Troy, like I said, Troy actually said the guy that was looking after Troy's money said you should we'll we'll flip over to get your city wife and get on to it. And that's where this is all sort of stemmed from. But other than that, I was oblivious to why everything else was going on. I was just sitting in the hair suckers.\n\nEvery most nurses go with Hester anyway, and heard it's not the one of the worst ones, but it's not the best ones either. But it's that middle range. And I thought, well, you know, it is what it is. So this is just a bonus for me if it happens if it happens. So is it?\n\nYep. Alright. Sounds good. I'll look forward to hearing to you on Wednesday. Uh-uh.\n\nNo worries, Melissa. Catch you later.","paragraphs":[{"sentences":[{"text":"Hey, Larissa.","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.20005732029676437},{"text":"Fabian.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.24094459414482117},{"text":"How are you doing?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.21980974823236465},{"text":"Oh, okay.","start":10.32,"end":11.059999,"sentiment":"neutral","sentiment_score":-0.1584530621767044},{"text":"Oh, fuck.","start":11.84,"end":12.495,"sentiment":"negative","sentiment_score":-0.4143190085887909}],"sentiment":"neutral","sentiment_score":0.03406855328516527,"num_words":11,"start":4.88,"end":12.495},{"sentences":[{"text":"I didn't copy all the goals over.","start":12.575,"end":14.434999,"sentiment":"neutral","sentiment_score":-0.28754077000277384},{"text":"What was I gonna say?","start":15.695,"end":16.814999,"sentiment":"neutral","sentiment_score":-0.11778676360845566},{"text":"So this lady, her partner signed up with Peak, Peak Pinnacle.","start":16.814999,"end":22.355,"sentiment":"neutral","sentiment_score":-0.041021734814752235},{"text":"They he she was referred through, and Pete came back not in best interest for her.","start":23.455,"end":29.76,"sentiment":"neutral","sentiment_score":-0.1540583095047623},{"text":"Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple.","start":31.42,"end":42.375,"sentiment":"neutral","sentiment_score":-0.08055230194041806}],"sentiment":"neutral","sentiment_score":-0.11450018004647323,"num_words":70,"start":12.575,"end":42.375},{"sentences":[{"text":"They would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review.","start":42.375,"end":48.715,"sentiment":"neutral","sentiment_score":-0.019133971205779483},{"text":"That way we can get some holistic advice together as a couple.","start":48.775,"end":51.88,"sentiment":"neutral","sentiment_score":0.08388947478185098},{"text":"I said, I'm pretty sure if OKU takes you as a client, if you guys want advice holistically, they're gonna be okay with it.","start":52.579998,"end":59.46,"sentiment":"neutral","sentiment_score":0.11667794959309201},{"text":"But, look, I'm not a 100% sure, but I'm pretty sure you guys sort of come part and parcel, and they'll be happy to help you.","start":59.46,"end":65.72,"sentiment":"neutral","sentiment_score":0.1870471486248649},{"text":"So I'm not sure if that's the case or not, but that is one of the real big keys for them is they got money sitting in an offset account.","start":66.225006,"end":73.505005,"sentiment":"neutral","sentiment_score":0.0026817014440894127}],"sentiment":"neutral","sentiment_score":0.06845725167853137,"num_words":120,"start":42.375,"end":73.505005},{"sentences":[{"text":"They're considering whether they should buy an investment property, pay off their mortgage.","start":73.505005,"end":77.925,"sentiment":"neutral","sentiment_score":-0.013262370171455236},{"text":"They've got another international investment that'll cash out in about seven years.","start":77.985,"end":82.18,"sentiment":"neutral","sentiment_score":-0.001618636791439106},{"text":"So there's all of these things that they want advice on outside of super.","start":82.18,"end":87.380005,"sentiment":"neutral","sentiment_score":-0.009841872695168214},{"text":"They wanna sort their super as well.","start":87.380005,"end":89.8,"sentiment":"neutral","sentiment_score":0.01591787048216377},{"text":"But, yeah, that's, I guess, some of the main points for them that they wanted to try and address.","start":90.5,"end":95.615,"sentiment":"neutral","sentiment_score":0.015701648632162495}],"sentiment":"neutral","sentiment_score":0.0012328576296567917,"num_words":65,"start":73.505005,"end":95.615},{"sentences":[{"text":"So I just wanted to give you a heads up on that side.","start":95.615,"end":97.955,"sentiment":"neutral","sentiment_score":0.04483287996397568},{"text":"I'm just gonna copy some of this stuff over as well.","start":104.770004,"end":110.71,"sentiment":"neutral","sentiment_score":0.03899280896241015},{"text":"Sorry.","start":111.97,"end":112.29,"sentiment":"neutral","sentiment_score":-0.17172901332378387},{"text":"I'm just dumping stuff in where I can, so it's gonna look a little bit messy.","start":112.29,"end":117.19,"sentiment":"neutral","sentiment_score":-0.2902960916981101},{"text":"Yeah.","start":151.975,"end":152.29501,"sentiment":"neutral","sentiment_score":0.010632150806486608}],"sentiment":"neutral","sentiment_score":-0.0903353807516396,"num_words":42,"start":95.615,"end":152.29501},{"sentences":[{"text":"It's fully offset at the moment because no.","start":152.29501,"end":154.455,"sentiment":"neutral","sentiment_score":0.009949378203600645},{"text":"Fully offset.","start":154.455,"end":155.27501,"sentiment":"neutral","sentiment_score":0.0349576105363667},{"text":"Not not paying any interest at the moment.","start":155.335,"end":157.755,"sentiment":"neutral","sentiment_score":-0.18747400119900703},{"text":"And so I have booked her in for midday on Wednesday.","start":159.815,"end":163.99501,"sentiment":"neutral","sentiment_score":0.23556588251482358},{"text":"Will you be the adviser for, like, if she comes on board?","start":164.88,"end":169.84,"sentiment":"neutral","sentiment_score":0.1167937641342481}],"sentiment":"neutral","sentiment_score":0.06445044181423217,"num_words":41,"start":152.29501,"end":169.84},{"sentences":[{"text":"Okay.","start":169.84,"end":170.16,"sentiment":"neutral","sentiment_score":0.11191819608211516},{"text":"Cool.","start":170.16,"end":170.66,"sentiment":"neutral","sentiment_score":0.1687164604663849},{"text":"So I will bring you in on that appointment time as well.","start":170.72,"end":174.08,"sentiment":"neutral","sentiment_score":0.1777238150437673},{"text":"I'll just send that through to you now.","start":174.08,"end":176.48,"sentiment":"neutral","sentiment_score":0.1916016060858965},{"text":"Cool.","start":176.48,"end":176.895,"sentiment":"neutral","sentiment_score":0.3085980713367462}],"sentiment":"neutral","sentiment_score":0.18498831987380981,"num_words":23,"start":169.84,"end":176.895},{"sentences":[{"text":"Awesome.","start":177.535,"end":178.035,"sentiment":"positive","sentiment_score":0.3720936179161072},{"text":"Anything else before you got me?","start":179.21501,"end":181.315,"sentiment":"neutral","sentiment_score":0.18980015814304352},{"text":"Awesome.","start":183.695,"end":184.195,"sentiment":"neutral","sentiment_score":0.14771664142608645},{"text":"Cool.","start":187.295,"end":187.535,"sentiment":"positive","sentiment_score":0.40493321418762207},{"text":"Alright.","start":187.535,"end":187.77501,"sentiment":"neutral","sentiment_score":0.24326305091381073}],"sentiment":"neutral","sentiment_score":0.23068074733018876,"num_words":10,"start":177.535,"end":187.77501},{"sentences":[{"text":"I'll just grab it for you.","start":187.77501,"end":189.09,"sentiment":"neutral","sentiment_score":0.262874498963356},{"text":"Thanks for holding.","start":194.53,"end":195.41,"sentiment":"positive","sentiment_score":0.36074882249037427},{"text":"Sorry about the cold.","start":195.41,"end":196.70999,"sentiment":"neutral","sentiment_score":-0.11833939515054226},{"text":"That's okay.","start":196.93,"end":197.20999,"sentiment":"neutral","sentiment_score":0.04170116153545678},{"text":"I just wanted to give Larissa a bit of an understanding on your situation and the importance of advice on things outside of Super as well just so she's got a bit of a a bigger picture for you.","start":197.20999,"end":206.905,"sentiment":"neutral","sentiment_score":0.2123626999748059}],"sentiment":"neutral","sentiment_score":0.1954015463469895,"num_words":54,"start":187.77501,"end":206.905},{"sentences":[{"text":"Yep.","start":206.965,"end":207.125,"sentiment":"neutral","sentiment_score":0.1759881228208542},{"text":"She'll just pick off on what she needs to before they start working on the plan, and then I will hopefully catch up with you on Wednesday.","start":207.125,"end":213.78499,"sentiment":"neutral","sentiment_score":0.15369898191204778},{"text":"That'll be great.","start":214.08499,"end":214.885,"sentiment":"positive","sentiment_score":0.4817129373550415},{"text":"No worries.","start":214.885,"end":215.545,"sentiment":"neutral","sentiment_score":0.13250543177127838},{"text":"Okay.","start":215.92,"end":216.23999,"sentiment":"neutral","sentiment_score":0.15474356710910797}],"sentiment":"neutral","sentiment_score":0.1820809963871451,"num_words":34,"start":206.965,"end":216.23999},{"sentences":[{"text":"Yeah.","start":216.23999,"end":216.4,"sentiment":"neutral","sentiment_score":0.18145620822906497},{"text":"Good afternoon.","start":216.4,"end":217.22,"sentiment":"neutral","sentiment_score":0.3319963663816452},{"text":"Thank you.","start":217.28,"end":218.09999,"sentiment":"positive","sentiment_score":0.3848373591899872},{"text":"K.","start":218.31999,"end":218.64,"sentiment":"neutral","sentiment_score":0.1227288469672203},{"text":"Bye.","start":218.64,"end":219.14,"sentiment":"neutral","sentiment_score":0.1321777701377869}],"sentiment":"neutral","sentiment_score":0.2671471823539053,"num_words":7,"start":216.23999,"end":219.14},{"sentences":[{"text":"Hi, Larissa.","start":223.59999,"end":224.42,"sentiment":"neutral","sentiment_score":0.19462652504444122},{"text":"I'm good.","start":224.64,"end":225.28,"sentiment":"neutral","sentiment_score":0.31848418712615967},{"text":"Yourself?","start":225.28,"end":225.78,"sentiment":"neutral","sentiment_score":0.23376435041427612},{"text":"Yep.","start":235.61499,"end":236.11499,"sentiment":"neutral","sentiment_score":0.11269097030162813},{"text":"Yep.","start":240.89499,"end":241.39499,"sentiment":"neutral","sentiment_score":0.11768084764480592}],"sentiment":"neutral","sentiment_score":0.21290822752884456,"num_words":7,"start":223.59999,"end":241.39499},{"sentences":[{"text":"Yes.","start":262.54498,"end":262.865,"sentiment":"neutral","sentiment_score":0.2297269105911255},{"text":"That's correct.","start":262.865,"end":263.685,"sentiment":"neutral","sentiment_score":0.3281126171350479},{"text":"Yeah.","start":277.61002,"end":278.09,"sentiment":"neutral","sentiment_score":0.03451332449913025},{"text":"Just what 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know?","start":301.91,"end":302.94998,"sentiment":"neutral","sentiment_score":-0.016551909036934376},{"text":"Just we weren't quite sure, like, you but I would originally, we're gonna just pay off our mortgage and be mortgage free.","start":302.94998,"end":308.88998,"sentiment":"neutral","sentiment_score":-0.08255862558937886}],"sentiment":"neutral","sentiment_score":0.010993930627591908,"num_words":72,"start":285.61002,"end":308.88998},{"sentences":[{"text":"But a couple of friends of ours said, well, that is one way to go, but you probably should keep your mortgage open a little bit because you still got asset in your house even though because your house is worth more.","start":309.66998,"end":319.055,"sentiment":"neutral","sentiment_score":0.1702031030186585},{"text":"You've got a lot of, like, collateral in that house to be able to do something with anyway.","start":319.675,"end":326.01498,"sentiment":"neutral","sentiment_score":0.15749724126524395},{"text":"So keeping it open is 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30,000.","start":938.2,"end":939.66003,"sentiment":"neutral","sentiment_score":0.007227729850759109}],"sentiment":"neutral","sentiment_score":0.019069163097689548,"num_words":15,"start":929.16003,"end":939.66003},{"sentences":[{"text":"We've gotta pay a tax, but we got got a tax appointment next week, I think, to regarding receiving an offset some of that as well, what we can offset.","start":940.725,"end":949.845,"sentiment":"neutral","sentiment_score":0.023693090405625603},{"text":"But we've gotta wait to get our tax accountant on board when we get an appointment with him before the financial year ends.","start":949.845,"end":958.52,"sentiment":"neutral","sentiment_score":0.021132681569408462},{"text":"Yeah.","start":962.26,"end":962.5,"sentiment":"neutral","sentiment_score":0.014335568062961102},{"text":"So we sold that we sold the block of land this year.","start":962.5,"end":965.06,"sentiment":"neutral","sentiment_score":-0.00195904728025198},{"text":"The capital gains at at this point, I think, was 30,000.","start":965.06,"end":968.26,"sentiment":"neutral","sentiment_score":-0.01359778151593425}],"sentiment":"neutral","sentiment_score":0.013481763536231471,"num_words":77,"start":940.725,"end":968.26},{"sentences":[{"text":"So there's 370,000 in the account that we can touch.","start":968.26,"end":974.005,"sentiment":"neutral","sentiment_score":0.0015194174833595754},{"text":"So the 30,000 of that we can't touch because that will be capital gains tax money.","start":974.065,"end":978.485,"sentiment":"neutral","sentiment_score":-0.04508066177368164},{"text":"That was the bought yeah.","start":981.745,"end":992.64,"sentiment":"neutral","sentiment_score":-0.002083104848861694},{"text":"We bought it for 290,000.","start":993.10004,"end":995.12,"sentiment":"neutral","sentiment_score":0.009934625029563904},{"text":"And I can't remember what year it was.","start":998.385,"end":1000.625,"sentiment":"neutral","sentiment_score":-0.02454462624154985}],"sentiment":"neutral","sentiment_score":-0.019618086876686324,"num_words":44,"start":968.26,"end":1000.625},{"sentences":[{"text":"We sold it for 550,000.","start":1000.625,"end":1002.805,"sentiment":"neutral","sentiment_score":-0.0076567154377698895},{"text":"And I think there was about three or 4,000 in on our tax invoice.","start":1006.225,"end":1020.82,"sentiment":"neutral","sentiment_score":-0.009443173850221294},{"text":"Yeah.","start":1020.82,"end":1021.13995,"sentiment":"neutral","sentiment_score":-0.002963641192764044},{"text":"Yeah.","start":1021.13995,"end":1021.38,"sentiment":"neutral","sentiment_score":0.0008182288147509098},{"text":"Yeah.","start":1021.38,"end":1021.62,"sentiment":"neutral","sentiment_score":-0.00004754122346639633}],"sentiment":"neutral","sentiment_score":-0.007849134758792141,"num_words":22,"start":1000.625,"end":1021.62},{"sentences":[{"text":"No.","start":1021.62,"end":1021.86,"sentiment":"neutral","sentiment_score":-0.05497884005308151},{"text":"We've been going to for, I think, 2,000 I think it was 2,000 '17, I think, we sold it or 2,018.","start":1021.86,"end":1032.9349,"sentiment":"neutral","sentiment_score":-0.025380176248117572},{"text":"So we've had it for about yeah.","start":1032.9349,"end":1034.7949,"sentiment":"neutral","sentiment_score":-0.005348938650318554},{"text":"Yeah.","start":1034.855,"end":1035.255,"sentiment":"neutral","sentiment_score":-0.007121363654732704},{"text":"Sorry.","start":1035.255,"end":1035.655,"sentiment":"neutral","sentiment_score":-0.042267754673957825}],"sentiment":"neutral","sentiment_score":-0.021767555811111967,"num_words":31,"start":1021.62,"end":1035.655},{"sentences":[{"text":"We bought it.","start":1035.655,"end":1036.5549,"sentiment":"neutral","sentiment_score":-0.017727072661121685},{"text":"I'm just trying to think.","start":1036.775,"end":1037.995,"sentiment":"neutral","sentiment_score":-0.030107326805591583},{"text":"But, you know, we came over in 2014.","start":1038.4099,"end":1040.1699,"sentiment":"neutral","sentiment_score":0.01493697171099484},{"text":"We had the house over east for about three years after that.","start":1040.1699,"end":1042.57,"sentiment":"neutral","sentiment_score":0.022285711175451677},{"text":"So I would say definitely 2017 or 2018, we bought 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fine.","start":1090.475,"end":1091.375,"sentiment":"neutral","sentiment_score":0.21097706258296967},{"text":"Yep.","start":1096.86,"end":1097.36,"sentiment":"neutral","sentiment_score":0.06624243408441544},{"text":"Yes.","start":1097.58,"end":1097.9,"sentiment":"neutral","sentiment_score":0.0757947713136673},{"text":"That's correct.","start":1097.9,"end":1098.64,"sentiment":"neutral","sentiment_score":0.12722822278738022}],"sentiment":"neutral","sentiment_score":0.1342100596853665,"num_words":7,"start":1090.3151,"end":1098.64},{"sentences":[{"text":"'20 he says the June 1270.","start":1103.1,"end":1106.7998,"sentiment":"neutral","sentiment_score":0.014916531896839539},{"text":"Yeah.","start":1137.0651,"end":1137.5651,"sentiment":"neutral","sentiment_score":0.004367314279079437},{"text":"We 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right.","start":1159.54,"end":1160.28,"sentiment":"neutral","sentiment_score":0.12192250788211823},{"text":"Yep.","start":1160.74,"end":1161.24,"sentiment":"neutral","sentiment_score":0.06730013340711594},{"text":"Yep.","start":1173.435,"end":1173.935,"sentiment":"neutral","sentiment_score":0.029472094029188156},{"text":"Yep.","start":1187.38,"end":1187.88,"sentiment":"neutral","sentiment_score":0.038481369614601135}],"sentiment":"neutral","sentiment_score":0.042431393845213786,"num_words":9,"start":1144.345,"end":1187.88},{"sentences":[{"text":"It it would probably be the metro area of Perth.","start":1198.605,"end":1201.345,"sentiment":"neutral","sentiment_score":0.042293005436658856},{"text":"We did think about going down south as far as Brumbury, which is sort of two and a half hours from the metropolitan area.","start":1202.2849,"end":1211.21,"sentiment":"neutral","sentiment_score":0.052927809612204633},{"text":"We sort of most of our kids are over here with our grandkids, and they aren't in probably won't be moving away for a while.","start":1212.95,"end":1219.1901,"sentiment":"neutral","sentiment_score":0.01722352422773838},{"text":"So we sort of still wanted to be based in Perth.","start":1219.1901,"end":1221.45,"sentiment":"neutral","sentiment_score":0.11952773413874886},{"text":"But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance.","start":1223.215,"end":1230.755,"sentiment":"neutral","sentiment_score":0.23975322801958432}],"sentiment":"neutral","sentiment_score":0.09470827915989187,"num_words":92,"start":1198.605,"end":1230.755},{"sentences":[{"text":"So it'd be sort of like in a unit or an apartment of some sort.","start":1233.95,"end":1237.01,"sentiment":"neutral","sentiment_score":0.17955656250317892},{"text":"Yeah.","start":1241.79,"end":1242.29,"sentiment":"neutral","sentiment_score":0.20458167791366577},{"text":"Just where someone's doing all the you know, maybe something with that's got a bit of an amenities with it as well.","start":1242.43,"end":1248.77,"sentiment":"neutral","sentiment_score":0.2757851183414459},{"text":"Yeah.","start":1255.395,"end":1255.895,"sentiment":"positive","sentiment_score":0.4400510787963867},{"text":"Yeah.","start":1258.915,"end":1259.395,"sentiment":"neutral","sentiment_score":0.2087048441171646}],"sentiment":"neutral","sentiment_score":0.24034896604716777,"num_words":40,"start":1233.95,"end":1259.395},{"sentences":[{"text":"Pretty much.","start":1259.395,"end":1259.875,"sentiment":"neutral","sentiment_score":0.22371993213891983},{"text":"I mean, we've always had a home, and we've always had, like, big blocks of land, and and we're now in a sort of reasonable size one.","start":1259.875,"end":1268.15,"sentiment":"neutral","sentiment_score":0.2130508820215861},{"text":"But I I just don't wanna be doing maintenance.","start":1268.15,"end":1270.63,"sentiment":"neutral","sentiment_score":-0.18040564407904944},{"text":"Like, I don't wanna be out mowing lawns and trimming and gardening.","start":1270.63,"end":1273.21,"sentiment":"neutral","sentiment_score":-0.10642233677208424},{"text":"You know, as we get older in life, I don't wanna be sort of worrying about that sort of thing.","start":1273.75,"end":1278.01,"sentiment":"neutral","sentiment_score":-0.06982556600123643}],"sentiment":"neutral","sentiment_score":0.027179764583706856,"num_words":70,"start":1259.395,"end":1278.01},{"sentences":[{"text":"That's why I thought we'd be.","start":1278.15,"end":1279.53,"sentiment":"neutral","sentiment_score":0.04223615489900112},{"text":"That's it.","start":1281.4049,"end":1281.885,"sentiment":"neutral","sentiment_score":0.059002527967095375},{"text":"And it's got that's it.","start":1281.885,"end":1285.085,"sentiment":"neutral","sentiment_score":0.0424730259925127},{"text":"And just get on the box and go sort of 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we can just, you know, gotta do this this weekend.","start":1301.03,"end":1304.27,"sentiment":"neutral","sentiment_score":0.21726291378339133}],"sentiment":"neutral","sentiment_score":0.08304558548843488,"num_words":48,"start":1289.565,"end":1304.27},{"sentences":[{"text":"It's like, oh, yeah.","start":1304.27,"end":1306.63,"sentiment":"neutral","sentiment_score":0.11516073951497674},{"text":"I don't want that anymore.","start":1306.63,"end":1307.5901,"sentiment":"negative","sentiment_score":-0.3373799741268158},{"text":"I just wanna be able to go in and have everything done for me.","start":1307.5901,"end":1310.73,"sentiment":"neutral","sentiment_score":0.3077412268945149},{"text":"Yeah.","start":1318.135,"end":1318.635,"sentiment":"neutral","sentiment_score":-0.1099117547273636},{"text":"You just don't look at it yet.","start":1319.655,"end":1321.275,"sentiment":"neutral","sentiment_score":-0.30489394068717957}],"sentiment":"neutral","sentiment_score":0.02703067498101342,"num_words":31,"start":1304.27,"end":1321.275},{"sentences":[{"text":"He'll always be there next weekend if not a little bit worse, but yeah.","start":1321.495,"end":1324.635,"sentiment":"neutral","sentiment_score":-0.3145034685730934},{"text":"That's it.","start":1324.775,"end":1325.255,"sentiment":"neutral","sentiment_score":-0.24290461838245392},{"text":"We we and, you know, physically, I don't like, with my back, I can't do a lot of the stuff anymore, and Troy is not in the you know, physically, you know, you get all you got a bad back as well.","start":1325.255,"end":1336.3,"sentiment":"negative","sentiment_score":-0.4722234865739232},{"text":"Like, you know, we're not gonna be able to do that sort of thing.","start":1336.3,"end":1339.74,"sentiment":"negative","sentiment_score":-0.4877291236604963},{"text":"And you don't want it really either.","start":1339.74,"end":1341.26,"sentiment":"negative","sentiment_score":-0.5534930186612266}],"sentiment":"negative","sentiment_score":-0.4484164948704876,"num_words":79,"start":1321.495,"end":1341.26},{"sentences":[{"text":"You've done your time, I reckon.","start":1341.26,"end":1342.72,"sentiment":"negative","sentiment_score":-0.37256408234437305},{"text":"Well, that's it.","start":1349.3151,"end":1350.595,"sentiment":"neutral","sentiment_score":0.1714547077814738},{"text":"You you let someone else deal with a hard jacket now.","start":1350.595,"end":1352.675,"sentiment":"neutral","sentiment_score":-0.0096971487457102},{"text":"I just wanna enjoy 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straight.","start":1372.4451,"end":1378.505,"sentiment":"neutral","sentiment_score":-0.008434736169874668},{"text":"Yep.","start":1380.585,"end":1381.085,"sentiment":"neutral","sentiment_score":-0.0030858456157147884}],"sentiment":"neutral","sentiment_score":-0.07021678048609332,"num_words":11,"start":1369.72,"end":1381.085},{"sentences":[{"text":"No.","start":1383.165,"end":1383.485,"sentiment":"neutral","sentiment_score":-0.1836027204990387},{"text":"That's he has a totally different account.","start":1383.485,"end":1385.63,"sentiment":"neutral","sentiment_score":-0.21300008041518076},{"text":"That's just purely what I put away.","start":1386.41,"end":1388.27,"sentiment":"neutral","sentiment_score":-0.2209861065660204},{"text":"I usually, on average, have between 2 and 3,000 sitting in the savings account at any one time.","start":1389.77,"end":1395.4701,"sentiment":"neutral","sentiment_score":-0.11373749189078808},{"text":"It drops down and then it goes back up.","start":1395.6101,"end":1397.4501,"sentiment":"neutral","sentiment_score":-0.0455609837339984}],"sentiment":"neutral","sentiment_score":-0.13521023183351472,"num_words":42,"start":1383.165,"end":1397.4501},{"sentences":[{"text":"Sometimes there's more.","start":1397.4501,"end":1398.5901,"sentiment":"neutral","sentiment_score":-0.07220685730377834},{"text":"And then, you know, if I take time off work, I'd obviously pay for my own holidays and stuff like that because I'm only casual.","start":1399.495,"end":1405.515,"sentiment":"neutral","sentiment_score":-0.005086973924189806},{"text":"So I usually have money sitting there to cover me for at least four to five weeks if I was off sick to pay my bills up until then.","start":1405.975,"end":1414.75,"sentiment":"neutral","sentiment_score":-0.03797227311237105},{"text":"Because my income protection usually kicks in in a month's time, so if any over that, I should be able to, like, get around 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I said it'd be yeah.","start":1545.82,"end":1548.1399,"sentiment":"neutral","sentiment_score":0.027506384067237377},{"text":"That's what we would be doing.","start":1548.1399,"end":1549.58,"sentiment":"neutral","sentiment_score":0.060094100733598076},{"text":"So we we wouldn't be we wanna downsize.","start":1549.58,"end":1551.8999,"sentiment":"neutral","sentiment_score":0.05148604535497725},{"text":"We this house is what we wanna currently be in until we retire, and then we wanted to be if we bought, like, a place where we wanna be, that would be our retirement place to live.","start":1551.8999,"end":1561.765,"sentiment":"neutral","sentiment_score":0.07414735108613968}],"sentiment":"neutral","sentiment_score":0.064122316266956,"num_words":58,"start":1529.58,"end":1561.765},{"sentences":[{"text":"It'll be rented out in the meantime paying itself off until we sell the one we're in.","start":1561.765,"end":1567.385,"sentiment":"neutral","sentiment_score":0.06372015835607753},{"text":"Probably, that's what we'd like to do.","start":1569.525,"end":1571.305,"sentiment":"neutral","sentiment_score":0.06260815103139196},{"text":"So then this place would then pay off the unit completely, so we should be mortgage free.","start":1571.925,"end":1577.59,"sentiment":"neutral","sentiment_score":0.06919598842368406},{"text":"That's the sort of thought of the plan what we could do.","start":1577.97,"end":1581.19,"sentiment":"neutral","sentiment_score":0.03151231647158662},{"text":"And then also it goes on as to how much we put into that unit as well.","start":1586.6449,"end":1590.485,"sentiment":"neutral","sentiment_score":0.08582067971720415}],"sentiment":"neutral","sentiment_score":0.06478472721896002,"num_words":70,"start":1561.765,"end":1590.485},{"sentences":[{"text":"Like, do we put a 100,000 as a deposit to borrow the rest?","start":1590.485,"end":1594.085,"sentiment":"neutral","sentiment_score":0.10760882611458118},{"text":"And then that way, we've always got a little bit of a safety net there anyway.","start":1594.085,"end":1597.225,"sentiment":"neutral","sentiment_score":0.1173329025041312},{"text":"Yeah.","start":1600.4049,"end":1600.9049,"sentiment":"neutral","sentiment_score":0.21758177876472473},{"text":"He's he's pretty he's pretty, screwgy.","start":1613.44,"end":1616.98,"sentiment":"negative","sentiment_score":-0.3364587873220444},{"text":"I think he's got about 10 to 15,000 saved.","start":1618.575,"end":1621.715,"sentiment":"neutral","sentiment_score":-0.1473025671309895}],"sentiment":"neutral","sentiment_score":0.0033188251157601676,"num_words":45,"start":1590.485,"end":1621.715},{"sentences":[{"text":"I buy all the Christmas presents.","start":1622.895,"end":1624.255,"sentiment":"neutral","sentiment_score":0.11781823759277661},{"text":"I buy all the toys.","start":1624.255,"end":1624.975,"sentiment":"neutral","sentiment_score":0.07863621804863215},{"text":"Like, I'm pretty flippant because I know he's always got money saved up if I need anything.","start":1624.975,"end":1628.255,"sentiment":"neutral","sentiment_score":-0.0964962070917382},{"text":"So I'm not really the heavy saver.","start":1628.255,"end":1630.175,"sentiment":"neutral","sentiment_score":-0.23238231454576766},{"text":"He is, because he doesn't spend any money on anything.","start":1630.175,"end":1634.9501,"sentiment":"neutral","sentiment_score":-0.05175866670906544}],"sentiment":"neutral","sentiment_score":-0.05965795274823904,"num_words":45,"start":1622.895,"end":1634.9501},{"sentences":[{"text":"Like, I do all the kids shop.","start":1635.7301,"end":1636.8501,"sentiment":"neutral","sentiment_score":0.08080890402197838},{"text":"If I want money, he will give me the money, but, like, he's just always been the saver.","start":1636.8501,"end":1641.99,"sentiment":"neutral","sentiment_score":0.038663128597868815},{"text":"I I don't I don't even ask money off him either.","start":1644.8501,"end":1648.135,"sentiment":"neutral","sentiment_score":0.02093132585287094},{"text":"So mine always goes before I I'm gonna be pre guest before I ask money off him, but I know it's there if we need it.","start":1648.135,"end":1654.055,"sentiment":"neutral","sentiment_score":0.0145999535631675},{"text":"There's money sitting there.","start":1654.055,"end":1655.5951,"sentiment":"neutral","sentiment_score":-0.11149601079523565}],"sentiment":"neutral","sentiment_score":0.021597848132704243,"num_words":66,"start":1635.7301,"end":1655.5951},{"sentences":[{"text":"Yep.","start":1664.0599,"end":1664.5599,"sentiment":"neutral","sentiment_score":0.1949143260717392},{"text":"Yep.","start":1678.415,"end":1678.915,"sentiment":"neutral","sentiment_score":0.1704850196838379},{"text":"Yep.","start":1687.87,"end":1688.37,"sentiment":"neutral","sentiment_score":0.1088959127664566},{"text":"Yep.","start":1704.775,"end":1705.275,"sentiment":"neutral","sentiment_score":0.13885530829429626},{"text":"Yeah.","start":1719.1799,"end":1719.34,"sentiment":"neutral","sentiment_score":0.10251651704311372}],"sentiment":"neutral","sentiment_score":0.14313341677188873,"num_words":5,"start":1664.0599,"end":1719.34},{"sentences":[{"text":"That's fine.","start":1719.34,"end":1719.82,"sentiment":"neutral","sentiment_score":0.11011886969208717},{"text":"We just wanted a bit of yeah.","start":1719.82,"end":1721.36,"sentiment":"neutral","sentiment_score":0.14366308919021062},{"text":"Yeah.","start":1721.9,"end":1722.22,"sentiment":"neutral","sentiment_score":0.10492026805877686},{"text":"We just wanted some options.","start":1722.22,"end":1723.4199,"sentiment":"neutral","sentiment_score":0.08847647495567798},{"text":"Like, if we if we don't buy the the unit, do we just put the money in the super, or do we just pay this house completely off and then later down the track use this as collateral to then pay another unit down down the track?","start":1723.4199,"end":1735.605,"sentiment":"neutral","sentiment_score":-0.08535705463207782}],"sentiment":"neutral","sentiment_score":-0.03610644453475552,"num_words":62,"start":1719.34,"end":1735.605},{"sentences":[{"text":"Like, we just like, someone just said to us, you shouldn't pay your mortgage completely off.","start":1735.605,"end":1739.365,"sentiment":"neutral","sentiment_score":-0.20879323733970523},{"text":"You should have a little bit to then use, you know, if you need to redraw or whatever.","start":1739.365,"end":1744.9299,"sentiment":"neutral","sentiment_score":-0.12141784073577987},{"text":"And I'm like, okay.","start":1744.9299,"end":1745.73,"sentiment":"neutral","sentiment_score":-0.09201768133789301},{"text":"Well, that's where we left doing that.","start":1745.73,"end":1747.25,"sentiment":"neutral","sentiment_score":-0.26811720217977253},{"text":"That completely went out the window then.","start":1747.25,"end":1748.61,"sentiment":"negative","sentiment_score":-0.6035202741622925}],"sentiment":"neutral","sentiment_score":-0.23068742289279515,"num_words":52,"start":1735.605,"end":1748.61},{"sentences":[{"text":"So now it's sort of stuck.","start":1748.61,"end":1749.73,"sentiment":"negative","sentiment_score":-0.541635533173879},{"text":"I think if we had paid their capital gains off, I think we ended up with, I think, 10,000 on our mortgage left is what we looked at.","start":1749.73,"end":1759.095,"sentiment":"neutral","sentiment_score":-0.1514269086931433},{"text":"So yeah.","start":1759.635,"end":1761.575,"sentiment":"neutral","sentiment_score":-0.002247706986963749},{"text":"Yep.","start":1767.075,"end":1767.575,"sentiment":"neutral","sentiment_score":0.14313647150993347},{"text":"Yep.","start":1790.5751,"end":1791.0751,"sentiment":"neutral","sentiment_score":-0.0001651570200920105}],"sentiment":"neutral","sentiment_score":-0.19345501952461505,"num_words":38,"start":1748.61,"end":1791.0751},{"sentences":[{"text":"That's it.","start":1794.7351,"end":1795.555,"sentiment":"neutral","sentiment_score":-0.1624269336462021},{"text":"That's what we were sort of thinking.","start":1796.59,"end":1797.7899,"sentiment":"neutral","sentiment_score":-0.20631803146430425},{"text":"That's why someone said, oh, that's why I said we need to speak to the tax account.","start":1797.7899,"end":1800.4299,"sentiment":"neutral","sentiment_score":-0.1862945201642373},{"text":"I said I have no idea how to offset the capital gains or bring it down to less.","start":1800.4299,"end":1804.85,"sentiment":"neutral","sentiment_score":-0.1957299378183153},{"text":"At this stage, we were paying over 30 to 36,000.","start":1805.07,"end":1807.71,"sentiment":"negative","sentiment_score":-0.33735363483428954}],"sentiment":"neutral","sentiment_score":-0.21912522517420627,"num_words":54,"start":1794.7351,"end":1807.71},{"sentences":[{"text":"I'm like, okay.","start":1807.71,"end":1808.4299,"sentiment":"neutral","sentiment_score":-0.3298142155011495},{"text":"Well, that's wasted money.","start":1808.4299,"end":1809.6499,"sentiment":"negative","sentiment_score":-0.5730180591344833},{"text":"So yeah.","start":1811.105,"end":1811.685,"sentiment":"neutral","sentiment_score":-0.26591312885284424},{"text":"And that's where we sort of that's why we left us with, like, 10,000 left to our mortgage if we didn't pay it off.","start":1812.785,"end":1817.665,"sentiment":"neutral","sentiment_score":-0.272810489560167},{"text":"And that's when we just all put anything on hold and went, I don't know what to do.","start":1817.665,"end":1820.385,"sentiment":"neutral","sentiment_score":-0.12029700705574618}],"sentiment":"neutral","sentiment_score":-0.24561056896459824,"num_words":51,"start":1807.71,"end":1820.385},{"sentences":[{"text":"Let's just hold the brakes.","start":1820.385,"end":1821.265,"sentiment":"neutral","sentiment_score":-0.06627326384186745},{"text":"You can just sit there for the moment.","start":1821.265,"end":1822.8,"sentiment":"neutral","sentiment_score":-0.05377682065591216},{"text":"It's not gonna go anywhere.","start":1822.9601,"end":1824.56,"sentiment":"neutral","sentiment_score":-0.15142975449562074},{"text":"It's just sitting there.","start":1824.56,"end":1825.4401,"sentiment":"neutral","sentiment_score":-0.07929944805800915},{"text":"In the meantime, we're just paying principal off our mortgage.","start":1825.4401,"end":1828.02,"sentiment":"neutral","sentiment_score":0.026753840781748296}],"sentiment":"neutral","sentiment_score":-0.04901215754216537,"num_words":32,"start":1820.385,"end":1828.02},{"sentences":[{"text":"So yeah.","start":1829.04,"end":1830.74,"sentiment":"neutral","sentiment_score":0.1429547779262066},{"text":"All good.","start":1831.52,"end":1832.26,"sentiment":"positive","sentiment_score":0.5697753727436066},{"text":"Yep.","start":1836.705,"end":1837.205,"sentiment":"neutral","sentiment_score":0.1152086704969406},{"text":"Yep.","start":1848.385,"end":1848.625,"sentiment":"neutral","sentiment_score":0.017148468643426895},{"text":"Yep.","start":1848.625,"end":1849.125,"sentiment":"neutral","sentiment_score":0.03511965274810791}],"sentiment":"neutral","sentiment_score":0.22756244188972882,"num_words":7,"start":1829.04,"end":1849.125},{"sentences":[{"text":"Yeah.","start":1850.34,"end":1850.58,"sentiment":"neutral","sentiment_score":-0.006816701497882605},{"text":"Not a problem.","start":1850.58,"end":1851.48,"sentiment":"neutral","sentiment_score":-0.10460397601127625},{"text":"Yep.","start":1854.74,"end":1855.24,"sentiment":"neutral","sentiment_score":-0.02022036537528038},{"text":"And I said, I mean, my tax goes up and down depending on how much I work in that year.","start":1855.2999,"end":1858.98,"sentiment":"neutral","sentiment_score":-0.06447996571660042},{"text":"My back's been really bad.","start":1858.98,"end":1860.1,"sentiment":"negative","sentiment_score":-0.36417701840400696}],"sentiment":"neutral","sentiment_score":-0.11504444670863449,"num_words":30,"start":1850.34,"end":1860.1},{"sentences":[{"text":"I I do have less work, but I know last year was around 80.","start":1860.1,"end":1863.16,"sentiment":"neutral","sentiment_score":-0.1647432797721454},{"text":"This year would probably be around the same, if not a little bit more because I've worked pretty much confident since last July.","start":1863.645,"end":1870.305,"sentiment":"neutral","sentiment_score":0.10525699073205823},{"text":"So all good.","start":1870.525,"end":1872.365,"sentiment":"positive","sentiment_score":0.36651458342870075},{"text":"No worries.","start":1872.365,"end":1873.105,"sentiment":"neutral","sentiment_score":0.14208358898758888},{"text":"Alright.","start":1873.3251,"end":1873.5651,"sentiment":"neutral","sentiment_score":0.2976934611797333}],"sentiment":"neutral","sentiment_score":0.04176533161554226,"num_words":43,"start":1860.1,"end":1873.5651},{"sentences":[{"text":"That will be great.","start":1873.5651,"end":1874.2051,"sentiment":"positive","sentiment_score":0.5571253597736359},{"text":"I mean, like I said, there's no harm.","start":1874.2051,"end":1875.725,"sentiment":"neutral","sentiment_score":0.20734388753771782},{"text":"Even in last time last time, I said that they couldn't help me any more than what Pesto was doing anyway.","start":1875.725,"end":1880.44,"sentiment":"neutral","sentiment_score":-0.11561127787544614},{"text":"So, yeah, it is what it is.","start":1880.44,"end":1883.08,"sentiment":"neutral","sentiment_score":0.05918447034699576},{"text":"But that's happy.","start":1883.08,"end":1883.64,"sentiment":"neutral","sentiment_score":0.2569507161776225}],"sentiment":"neutral","sentiment_score":0.06150137546450593,"num_words":43,"start":1873.5651,"end":1883.64},{"sentences":[{"text":"I'm happy to yeah.","start":1883.64,"end":1889.74,"sentiment":"neutral","sentiment_score":0.07838454656302929},{"text":"Yeah.","start":1890.12,"end":1890.6,"sentiment":"neutral","sentiment_score":0.10769665241241456},{"text":"No.","start":1890.6,"end":1890.84,"sentiment":"neutral","sentiment_score":0.008241627365350723},{"text":"That's fine.","start":1890.84,"end":1891.32,"sentiment":"neutral","sentiment_score":0.0670233853161335},{"text":"That's what I said.","start":1891.32,"end":1891.96,"sentiment":"neutral","sentiment_score":-0.014784179045818746}],"sentiment":"neutral","sentiment_score":0.042032210039906204,"num_words":12,"start":1883.64,"end":1891.96},{"sentences":[{"text":"I said, you know, I don't know much about that.","start":1891.96,"end":1894.4551,"sentiment":"neutral","sentiment_score":-0.09316797405481339},{"text":"I, you know, I didn't even like Troy, like I said, Troy actually said the guy that was looking after Troy's money said you should we'll we'll flip over to get your city wife and get on to it.","start":1894.4551,"end":1906.5,"sentiment":"neutral","sentiment_score":-0.14873360307552877},{"text":"And that's where this is all sort of stemmed from.","start":1906.74,"end":1908.9,"sentiment":"neutral","sentiment_score":-0.1465536206960678},{"text":"But other than that, I was oblivious to why everything else was going on.","start":1908.9,"end":1912.66,"sentiment":"neutral","sentiment_score":-0.32465751469135284},{"text":"I was just sitting in the hair suckers.","start":1912.66,"end":1914.84,"sentiment":"neutral","sentiment_score":-0.2739343550056219}],"sentiment":"neutral","sentiment_score":-0.18437662361948579,"num_words":81,"start":1891.96,"end":1914.84},{"sentences":[{"text":"Every most nurses go with Hester anyway, and heard it's not the one of the worst ones, but it's not the best ones either.","start":1916.26,"end":1921.155,"sentiment":"neutral","sentiment_score":-0.17203482085218033},{"text":"But it's that middle range.","start":1921.155,"end":1922.275,"sentiment":"neutral","sentiment_score":0.007658520340919494},{"text":"And I thought, well, you know, it is what it is.","start":1922.275,"end":1924.515,"sentiment":"neutral","sentiment_score":0.10225017571991141},{"text":"So this is just a bonus for me if it happens if it happens.","start":1924.515,"end":1928.215,"sentiment":"positive","sentiment_score":0.5101559289864132},{"text":"So is it?","start":1928.275,"end":1933.39,"sentiment":"neutral","sentiment_score":0.14731507996718088}],"sentiment":"neutral","sentiment_score":0.08102345754180038,"num_words":57,"start":1916.26,"end":1933.39},{"sentences":[{"text":"Yep.","start":1933.53,"end":1934.03,"sentiment":"neutral","sentiment_score":0.25664564967155457},{"text":"Alright.","start":1935.21,"end":1935.61,"sentiment":"positive","sentiment_score":0.5943293571472168},{"text":"Sounds good.","start":1935.61,"end":1936.25,"sentiment":"positive","sentiment_score":0.8251665532588959},{"text":"I'll look forward to hearing to you on Wednesday.","start":1936.25,"end":1938.1901,"sentiment":"positive","sentiment_score":0.7538915408982171},{"text":"Uh-uh.","start":1941.53,"end":1941.61,"sentiment":"neutral","sentiment_score":0.1403762400150299}],"sentiment":"positive","sentiment_score":0.6733363015311105,"num_words":14,"start":1933.53,"end":1941.61},{"sentences":[{"text":"No worries, Melissa.","start":1941.61,"end":1942.41,"sentiment":"positive","sentiment_score":0.3365579644838969},{"text":"Catch you later.","start":1942.41,"end":1943.23,"sentiment":"positive","sentiment_score":0.40334099531173706}],"sentiment":"positive","sentiment_score":0.36994947989781696,"num_words":6,"start":1941.61,"end":1943.23}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. Marissa speaking.\n\nChannel 1: Hey, Larissa. Fabian. How are you doing?\n\nChannel 0: Good. Sorry. I my phone wouldn't answer.\n\nChannel 1: Oh, okay. Oh, fuck. I didn't copy all the goals over. What was I gonna say? So this lady, her partner signed up with Peak, Peak Pinnacle.\n\nThey he she was referred through, and Pete came back not in best interest for her. Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple. They would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review. That way we can get some holistic advice together as a couple. I said,\n\nChannel 0: Yeah.\n\nChannel 1: I'm pretty sure if OKU takes you as a client, if you guys want advice holistically, they're gonna be okay with it. But, look,\n\nChannel 0: Yeah.\n\nChannel 1: I'm not a 100% sure, but I'm pretty sure you guys sort of come part and parcel, and they'll be happy to help you. So I'm not sure if that's the case or not, but that is one of the real big keys for them is they got money sitting in an offset account. They're considering whether they should buy an investment property, pay off their mortgage. They've got another international investment that'll cash out in about seven years. So there's all of these things that they want advice on outside of super.\n\nThey wanna\n\nChannel 0: Yeah.\n\nChannel 1: sort their super as well.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, that's, I guess, some of the main points for them that they wanted to try and address. So I just wanted to give you a heads up on that side.\n\nChannel 0: No. No. Absolutely. The certificate shown as chart. Okay.\n\nCool. Great.\n\nChannel 1: I'm just gonna copy\n\nChannel 0: She is\n\nChannel 1: some of this\n\nChannel 0: no.\n\nChannel 1: stuff\n\nChannel 0: You're\n\nChannel 1: over\n\nChannel 0: so fine.\n\nChannel 1: as well. Sorry. I'm just dumping stuff in where I can, so it's gonna look a little bit messy.\n\nChannel 0: Bank day surgery. Love that. She does lots of different jobs. $80. Okay.\n\nSo own cart, motorbike, off the account, 400,000. Amazing. And then we have a personal EPR. Cool. Do you know can I ask the debt value, the $3.77 on the PPR, is that fully offset, or is that\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: It's fully\n\nChannel 0: top\n\nChannel 1: offset\n\nChannel 0: of\n\nChannel 1: at the\n\nChannel 0: what's\n\nChannel 1: moment\n\nChannel 0: offset?\n\nChannel 1: because no.\n\nChannel 0: Okay.\n\nChannel 1: Fully\n\nChannel 0: Cool.\n\nChannel 1: offset.\n\nChannel 0: No. I just\n\nChannel 1: Not\n\nChannel 0: wanna check.\n\nChannel 1: not paying any interest at the moment.\n\nChannel 0: Amazing. Okay. So\n\nChannel 1: And\n\nChannel 0: fully\n\nChannel 1: so\n\nChannel 0: offset.\n\nChannel 1: I\n\nChannel 0: Amazing.\n\nChannel 1: have booked her in for midday on Wednesday. Will you be the adviser for, like,\n\nChannel 0: Yep.\n\nChannel 1: if she comes on board? Okay. Cool. So I will\n\nChannel 0: Yes. Yeah.\n\nChannel 1: bring you in on that appointment time as well. I'll just send that through to you now. Cool. Awesome. Anything else before\n\nChannel 0: Perfection.\n\nChannel 1: you got me?\n\nChannel 0: No.\n\nChannel 1: Awesome.\n\nChannel 0: Oh, no. The the thing is there, so I know happiness. That's\n\nChannel 1: Cool.\n\nChannel 0: good.\n\nChannel 1: Alright. I'll just grab it for you.\n\nChannel 0: Cool.\n\nChannel 1: Thanks for holding. Sorry about the cold. That's okay. I just wanted to give Larissa a bit of an understanding on your situation and the importance of advice on things outside of Super as well just so she's got a bit of a a bigger picture for you. Yep.\n\nShe'll just pick off on what she needs to before they start working on the plan, and then I will hopefully catch up with you on Wednesday. That'll be great. No worries. Okay. Yeah.\n\nGood afternoon. Thank you. K. Bye.\n\nChannel 0: Hi, Michelle. How are you going?\n\nChannel 1: Hi, Larissa. I'm good. Yourself?\n\nChannel 0: Really good. Thank you. Okay. So Fabian was just giving me a bit of a rundown on everything.\n\nChannel 1: Yep.\n\nChannel 0: And I guess I wanna clarify a few details with you.\n\nChannel 1: Yep.\n\nChannel 0: So I understand we're kind of wanting to look at a lot of advice in the personal realm, which is fantastic. Mhmm. We're pretty debt free when we look at it. Well, I mean, you are. Whilst you might have a a mortgage, it's completely offset, and you could turn around today and pay it off.\n\nChannel 1: Yes. That's correct.\n\nChannel 0: But I understand that you're wanting to have a look at potential avenues on what to do with those the money that's sitting in that offset, whether you do pay off the mortgage or whether we go through and purchase an investment property with some\n\nChannel 1: Yeah.\n\nChannel 0: of that as\n\nChannel 1: Just\n\nChannel 0: a cash\n\nChannel 1: what\n\nChannel 0: out of\n\nChannel 1: yeah. We just well, we wanna do a bit of, like, which we should be in our age group with that. What would\n\nChannel 0: it.\n\nChannel 1: be\n\nChannel 0: Yeah.\n\nChannel 1: the best thing for us to sort of do? Do we just pay off the mortgage? Do we put some into our mortgage and bringing that down and put the rest into an investment property or a unit or or something like that. Or do you know? Just we weren't quite sure, like, you but I would originally, we're gonna just pay off our mortgage and be mortgage free.\n\nChannel 0: Yeah.\n\nChannel 1: But a\n\nChannel 0: Yeah.\n\nChannel 1: couple of friends of ours said, well, that is one way to go, but you probably should keep your mortgage open a little bit because you still got asset in your house even though because your house is worth more. You've got a lot of, like, collateral in that house to be able to do something with anyway. So keeping it open is always\n\nChannel 0: Yes.\n\nChannel 1: a better\n\nChannel 0: Equity.\n\nChannel 1: thing. But okay.\n\nChannel 0: Yep.\n\nChannel 1: Well, then what do we do? Do we then put spend x amount on this or x amount on pay some of the most? Or do we put the money into our super instead and buy instead of buying\n\nChannel 0: Yeah.\n\nChannel 1: an investment property? But we just we've just got it sitting at the moment, and then we haven't really made any issues to do anything. Yeah. So I was if we did go with this, I was just wondering, like, what would be the best or advice that we could get regarding, you know,\n\nChannel 0: Yeah.\n\nChannel 1: we'd dump it in our super and top it up. But then if we lose it all, then that's my sort of deep thought. But, I mean, buying and investment\n\nChannel 0: Yeah.\n\nChannel 1: probably could do the same thing if it if it permits again and then you're stuck with this mortgage you can't pay, all that sort of stuff. So yeah.\n\nChannel 0: No. Definitely. Okay. So there's there's a couple of different points to it. And and I can see that you can check.\n\nI think this is not is that I'm talking to you, and I'm not talking to your partner as well. But that doesn't it limits what we can do in this conversation, but it doesn't limit\n\nChannel 1: Yep.\n\nChannel 0: how we can proceed.\n\nChannel 1: He's sort of on the same boat. That's what\n\nChannel 0: Yeah.\n\nChannel 1: his supervisor sort of he couldn't tell couldn't give him much because I wasn't part of the team. I'm like, okay. Well, you know, if it was just single on my own, what would be the best thing to do? It's we both had the same sort of goal plan,\n\nChannel 0: Gold\n\nChannel 1: like,\n\nChannel 0: Avenue.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: in that which would be the best that would suit us, like, in long term to be able to help us when we retired. It was is our game is to be able\n\nChannel 0: Yeah.\n\nChannel 1: to tie more comfortably in seven years with those extra things put in place that we can draw on to make our lives comfortable, why we have the money to do it sort of thing.\n\nChannel 0: No. Yeah. Can I ask? Because as I understand your partner is with Peak Pinnacle, they wouldn't\n\nChannel 1: Yep.\n\nChannel 0: talk to the two of you as a couple?\n\nChannel 1: And he said he couldn't give my husband much advice because I wasn't in the same group. Like, he said he couldn't do much unless I went on, and that's where my husband said to me, oh, we're gonna see if you can go on it as well because then we can link together. And I'm like, okay.\n\nChannel 0: Yes.\n\nChannel 1: Well, I didn't know anything about it. I said, you can do what you like. I'm happy to give it a go. You know, no harm in trying. And then we went through it all, and then they said it wasn't really worth viable to it'd program the same path as what I'm already on with Hester anyway.\n\nAnd that was\n\nChannel 0: Right.\n\nChannel 1: as far as the\n\nChannel 0: But\n\nChannel 1: conversation\n\nChannel 0: they\n\nChannel 1: went. What that's okay. So at the moment,\n\nChannel 0: yeah.\n\nChannel 1: we're just out of stem. I mean, the money is just sitting there. It's not going anywhere, but it's not doing anything for us either while\n\nChannel 0: Yeah.\n\nChannel 1: it's sitting there. So\n\nChannel 0: I mean, it is, but I get yeah. It is, but it isn't. Because,\n\nChannel 1: yeah. We're\n\nChannel 0: obviously,\n\nChannel 1: paying\n\nChannel 0: like,\n\nChannel 1: off,\n\nChannel 0: you're not paying\n\nChannel 1: yeah,\n\nChannel 0: any yeah.\n\nChannel 1: interest on\n\nChannel 0: No\n\nChannel 1: the mortgage,\n\nChannel 0: interest.\n\nChannel 1: but\n\nChannel 0: No.\n\nChannel 1: we're\n\nChannel 0: Nothing\n\nChannel 1: just paying\n\nChannel 0: like that.\n\nChannel 1: the yeah. We're paying the\n\nChannel 0: Payments.\n\nChannel 1: principal off\n\nChannel 0: Yeah.\n\nChannel 1: now, but yeah. But as in not actually doing something for us besides just that while we're sitting there. But yeah. Because\n\nChannel 0: 100\n\nChannel 1: we just\n\nChannel 0: percent.\n\nChannel 1: don't know, like,\n\nChannel 0: Can I\n\nChannel 1: it's\n\nChannel 0: ask?\n\nChannel 1: it's a lot of money.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Go for it.\n\nChannel 0: No. It is it is definitely a lot of money to just be sitting there, I guess, not doing anything, especially when you're you're over offset, if that makes sense. Like, you've only got a $377,000 loan. You've got $400,000 sitting in the offset. So it means that, theoretically,\n\nChannel 1: Yes.\n\nChannel 0: there's, you know, a few thou few tens of thousands of dollars sitting there that is actually doing nothing. You know? The 370\n\nChannel 1: Yeah.\n\nChannel 0: 7,000 that's sitting there is obviously helping you because it's physically offsetting to the cent you know, the loan. So you're paying no interest. So you're realistically saving 6.38% in interest by having that there, but the additional money is really honestly doing nothing.\n\nChannel 1: Yes.\n\nChannel 0: Can I what I was gonna ask was, what is your husband earning as an income? Because I can realistically factor\n\nChannel 1: Eight.\n\nChannel 0: him into a degree with regards to how we can approach some of the avenues for\n\nChannel 1: Yeah. He\n\nChannel 0: advice.\n\nChannel 1: earns about a 130,000 a year.\n\nChannel 0: Okay.\n\nChannel 1: He works five days a week, and he does roughly ten to twelve hour days. So yeah. So he runs roughly about a 130. I don't work that hard. I try not to.\n\nSo mine's always a little bit I was sitting in the lower bracket, but yeah. So he runs there at roughly about\n\nChannel 0: Okay.\n\nChannel 1: 130,000 a year.\n\nChannel 0: Okay. That's okay. And similar age to yourself?\n\nChannel 1: He's, yeah, he's four years older than me. So he's 55, 56 this year.\n\nChannel 0: Okay. So 56 this year. Alright. And he's gonna continue working up until you're 65 or 61. Sorry.\n\nChannel 1: Yeah. He I think he is paying on working\n\nChannel 0: 6\n\nChannel 1: to 65, I think he said,\n\nChannel 0: 5.\n\nChannel 1: which means that\n\nChannel 0: Yep.\n\nChannel 1: for me, it would be 60\n\nChannel 0: You'll\n\nChannel 1: one.\n\nChannel 0: be 60\n\nChannel 1: Because\n\nChannel 0: one.\n\nChannel 1: we sort of roughly wanna,\n\nChannel 0: Okay.\n\nChannel 1: you know, retire roughly the same year because we can go off and do things instead of him waiting for me for another four or five years while he's not working just\n\nChannel 0: Yeah.\n\nChannel 1: to be able to go and do stuff. So but if I had to work the 65, I mean, I would, but it's just we were roughly thinking if he he retired at 65, I'd be 61. If we can retire with the money we've got in our\n\nChannel 0: Okay. That you provided are joint assets, I'm assuming. There's nothing that you hold that he doesn't.\n\nChannel 1: The only joint thing we've got is a house and the money I the car and and that are all mine. He's got his own car and stuff like that, his assets. But,\n\nChannel 0: Okay.\n\nChannel 1: yeah, we've got the shared fractional share overseas that we both joint own,\n\nChannel 0: Yep.\n\nChannel 1: and the house is joint owned. But the cars and the bikes, he's got his own bikes and he's got his own cars because he's got the more expensive ones because we don't he's gotta work you. So we've got a really good car. Mine's just a run around one to get to and from work, and things like that.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: yeah.\n\nChannel 0: And he has his own Harley as well?\n\nChannel 1: Yep. He's got his own Harley. He's got a nice\n\nChannel 0: That\n\nChannel 1: one.\n\nChannel 0: is great.\n\nChannel 1: This is about 26\n\nChannel 0: Cool.\n\nChannel 1: grand.\n\nChannel 0: I love that. And I'm assuming, like, retirement is on the back of the Harley's into the sunset?\n\nChannel 1: Yeah. It's it's just getting out and just tripping around. Like, I I love camping and just\n\nChannel 0: Yeah.\n\nChannel 1: love going on holidays. So I'd I'd probably caravan for a year or so and have a home base. But we do a lot of motorbike riding. We do a lot of touring now on weekends and\n\nChannel 0: Yeah.\n\nChannel 1: try and get out as much as possible. So it'd be\n\nChannel 0: Yeah.\n\nChannel 1: a combination of things.\n\nChannel 0: Perfect. Alright. So there's a couple of things that we can definitely look at doing, and I can very limitedly factor your husband in as well. I'm not talking to him, so it becomes really hard from just a conversational perspective. I have no idea why peak pinnacle wouldn't include you in an advice piece\n\nChannel 1: Yep.\n\nChannel 0: from an overall perspective.\n\nChannel 1: Yeah.\n\nChannel 0: It yeah. It's just it's it's kind of weird, but I can definitely\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: He\n\nChannel 0: at\n\nChannel 1: just\n\nChannel 0: kind\n\nChannel 1: sort\n\nChannel 0: of including\n\nChannel 1: of said he\n\nChannel 0: him\n\nChannel 1: couldn't\n\nChannel 0: from a from a limited.\n\nChannel 1: yeah. We were just wanting a bit of advice, you know, even if it was just for like I said, even if I just went as a single, what would be a good thing? Like,\n\nChannel 0: Yeah.\n\nChannel 1: I said, do do I buy an investment or do we put in our super and top up our super\n\nChannel 0: Yeah.\n\nChannel 1: instead and make more money that way? And hopefully, at the end, we'd have more gain. But, you know, we just weren't sure what to do. I said, original plan was just to pay the mortgage off and be done. But now we've got all these other little avenues coming to us.\n\nLike, we should probably invest in another one because, you know, seven years we can turn around and sell that off and make whatever we make from that, you know, pop back into\n\nChannel 0: Yeah.\n\nChannel 1: our super then put it into our super because we're not gonna have any other, like, assets per se, and then just\n\nChannel 0: Yeah.\n\nChannel 1: focus on our super. Yes. I just don't know which way to go about it. That was\n\nChannel 0: No.\n\nChannel 1: all. We\n\nChannel 0: Definitely.\n\nChannel 1: were just\n\nChannel 0: No.\n\nChannel 1: wondering\n\nChannel 0: That's okay.\n\nChannel 1: yeah.\n\nChannel 0: How it work yeah. So I guess the the first the first most important question that I have is, a, is our primary residence or our home, is that the intended home that we're we're we're intending on keeping forever at this\n\nChannel 1: No. It's\n\nChannel 0: point?\n\nChannel 1: not.\n\nChannel 0: Okay.\n\nChannel 1: We probably will downsize when we retire\n\nChannel 0: Okay.\n\nChannel 1: using that, like, selling off the house and then buying something smaller that's more suitable for us. Like,\n\nChannel 0: Okay.\n\nChannel 1: at the moment, we thought if we buy an investment property that we wanna move into, like, say, a unit where there's no garden, there's no maintenance and stuff like that, if we buy\n\nChannel 0: Yes.\n\nChannel 1: that and use that as gonna be our retirement home, but rent it out in the meantime and then just when we go to move in, it just, you know, give it a fresh carpet, paint polish, all that sort of stuff when you move in. But\n\nChannel 0: Yes.\n\nChannel 1: buying something like that now for later down track and using this house as service off to pay that rest of that off\n\nChannel 0: Yep.\n\nChannel 1: and whatever's left over to put into our super or whatever.\n\nChannel 0: Yeah. So the the\n\nChannel 1: Yeah.\n\nChannel 0: good thing about that avenue is that because you're currently living in your PPR, like so prime primary place of residence.\n\nChannel 1: Yep.\n\nChannel 0: Right? Because it is considered your prime primary residence, you pay no capital gains on it. So irrespective of the fact that you've owned it for, you know, x number of years, that's thirty three.\n\nChannel 1: Yeah. Yeah. We did that with the last house. Yeah. Yeah.\n\nThis\n\nChannel 0: Yeah.\n\nChannel 1: we've gotta\n\nChannel 0: You\n\nChannel 1: pay\n\nChannel 0: pay\n\nChannel 1: capital\n\nChannel 0: nothing\n\nChannel 1: gains\n\nChannel 0: there.\n\nChannel 1: on the block. Yep.\n\nChannel 0: Yes. Yeah. Yeah. Or do you still have to pay capital gains on it, or is that settled?\n\nChannel 1: Yeah. It's about 30,000. We've gotta pay a tax, but we got got a tax appointment next week, I think, to regarding receiving an offset some of that as\n\nChannel 0: Yep.\n\nChannel 1: well, what we can offset. But we've gotta wait to get our tax accountant on board when we get an appointment with him before\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Amazing.\n\nChannel 1: financial year ends.\n\nChannel 0: And is that is that so you we sold it this year?\n\nChannel 1: Yeah. So we sold\n\nChannel 0: This\n\nChannel 1: that\n\nChannel 0: financial\n\nChannel 1: we sold the\n\nChannel 0: year?\n\nChannel 1: block of land this year. The capital gains at at this point, I think, was 30,000. So there's 370,000 in the account that we can touch. So the 30,000 of that we can't touch because that will be capital gains tax money.\n\nChannel 0: Okay. So can I ask,\n\nChannel 1: That\n\nChannel 0: do\n\nChannel 1: was the\n\nChannel 0: you know what the figures are on the property? So do you like, on the on the block that we sold, do you know when you bought it, what you bought it for, when we sold it, and\n\nChannel 1: bought\n\nChannel 0: what we sold it for?\n\nChannel 1: yeah. We bought it for 290,000.\n\nChannel 0: Yep.\n\nChannel 1: And I can't remember what year it was. We sold it for 550,000. And I think there was about three or 4,000 in on our\n\nChannel 0: Okay.\n\nChannel 1: tax\n\nChannel 0: And we owned it for longer than twelve months?\n\nChannel 1: invoice. Yeah. Yeah. Yeah. No.\n\nWe've been going to for, I think, 2,000 I think it was 2,000 '17, I think, we sold it or 2,018.\n\nChannel 0: We bought\n\nChannel 1: So we've\n\nChannel 0: it.\n\nChannel 1: had it for about yeah. Yeah. Sorry. We bought it. I'm just trying to think.\n\nChannel 0: Yep.\n\nChannel 1: But, you know, we came over in 2014. We had the house over east for about three years after that. So I would say definitely 2017 or 2018, we bought it.\n\nChannel 0: Okay. Alright. No. That's good. Perfect.\n\nSo we've owned it for a decent amount of time, and it was a fifty fifty ownership structure. Just confirming.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Okay. So I can do some tax calculations with respect to how we could maybe look at offsetting some of that tax\n\nChannel 1: Yep.\n\nChannel 0: for both you and your husband. And what\n\nChannel 1: Okay.\n\nChannel 0: I'll do is I'll include some of his details in, I guess, the advice piece as well to sort of help cater for that side of everything. I do\n\nChannel 1: Yep.\n\nChannel 0: need a couple of details from you for him, though, if that's okay.\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: I have his name as Troy Yes, sir. We're married. I'm assuming same last name.\n\nChannel 1: Yep. Yes. That's correct.\n\nChannel 0: You already confirmed his income. What's his date of birth?\n\nChannel 1: '20 he says the June 1270.\n\nChannel 0: 06/12/1970. Cool. Love a good December baby. I'm one myself. Cool.\n\nSo what I can look at is avenues that we can decrease the capital gain. I know you have a meeting with your accountant, so it's just obviously, like, I can give you the advice. It's something you can go to your accountant with and have a chat to them about and, you know, make sure you're obviously closer and happy with it.\n\nChannel 1: Yeah.\n\nChannel 0: But we can look at decreasing\n\nChannel 1: We\n\nChannel 0: that capital gain, definitely.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: I'll\n\nChannel 1: yeah.\n\nChannel 0: have a look\n\nChannel 1: We\n\nChannel 0: at\n\nChannel 1: just did\n\nChannel 0: that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Sorry. We can I can have a look at everything from that avenue and give advice to the two of you from that perspective? Then I can obviously look at your super for yourself\n\nChannel 1: You're right. Yep.\n\nChannel 0: and look at whether there's any avenue that we can make that better, possible, you know, contributions to save on tax ongoing, you know,\n\nChannel 1: Yep.\n\nChannel 0: looking maybe decreasing your income from a investment perspective. And I can also have a look at purchasing. So if we were to purchase a property,\n\nChannel 1: Yep.\n\nChannel 0: what area would we be looking at?\n\nChannel 1: It\n\nChannel 0: Yep.\n\nChannel 1: it would probably be the metro area of Perth. We did think about going down south as far as Brumbury,\n\nChannel 0: Yep.\n\nChannel 1: which is sort of two and a half hours from the metropolitan area.\n\nChannel 0: Yep.\n\nChannel 1: We sort of most of our kids are over here with our grandkids, and they aren't in probably won't be moving away for a while. So we sort of still wanted to be based in Perth.\n\nChannel 0: Yes.\n\nChannel 1: But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance. So it'd be sort\n\nChannel 0: Okay.\n\nChannel 1: of like in a unit or an apartment of some sort.\n\nChannel 0: Alright. So, like, a two to three bedroom unit complex.\n\nChannel 1: Yeah.\n\nChannel 0: Is that the same?\n\nChannel 1: Just where someone's\n\nChannel 0: K.\n\nChannel 1: doing all the you know, maybe something with that's\n\nChannel 0: Update.\n\nChannel 1: got a bit of an amenities with it as well.\n\nChannel 0: Yeah. Yep. That way you just have all of the avenues looked after, and you can just kind\n\nChannel 1: Yeah.\n\nChannel 0: of breathe a sigh of relief and not have to deal with any of it.\n\nChannel 1: Yeah. Pretty much. I mean, we've always had a home, and we've always had, like, big blocks of land, and and we're now in a sort of reasonable size one. But I I just don't wanna be doing maintenance. Like, I don't wanna be out mowing lawns and trimming and gardening.\n\nYou know, as we get older\n\nChannel 0: Yeah.\n\nChannel 1: in life, I don't wanna be sort of worrying about that sort of thing. That's why I thought\n\nChannel 0: You\n\nChannel 1: we'd\n\nChannel 0: wanna\n\nChannel 1: be.\n\nChannel 0: be able to lock up the home and jump\n\nChannel 1: That's\n\nChannel 0: into\n\nChannel 1: it.\n\nChannel 0: the\n\nChannel 1: And\n\nChannel 0: caravan\n\nChannel 1: it's got\n\nChannel 0: because the wind takes you and go.\n\nChannel 1: that's it.\n\nChannel 0: Yeah.\n\nChannel 1: And just get on the box and go sort of thing. So, yeah, that's we sort\n\nChannel 0: Yeah.\n\nChannel 1: of something we can just lock up. I know you pay more for, like, strata fees and stuff like that, but you'd probably spend that in maintenance anyway on your own home.\n\nChannel 0: 100%. And the time\n\nChannel 1: So\n\nChannel 0: is at managing.\n\nChannel 1: yeah. That's it. You gotta\n\nChannel 0: Okay.\n\nChannel 1: have time to do it. Like, how we can just, you know, gotta do this this weekend. It's like, oh, yeah. I don't want\n\nChannel 0: Oh,\n\nChannel 1: that anymore.\n\nChannel 0: yeah.\n\nChannel 1: I just wanna be able to go in and have everything done for me.\n\nChannel 0: No. Like, I'm only on an acre, and I have the same issue. Obviously, I looked at the yard this weekend and went, if I just close\n\nChannel 1: Yeah.\n\nChannel 0: my eyes, it doesn't exist. Right?\n\nChannel 1: You just don't look at it yet. He'll always be there next weekend if not a little bit worse, but yeah. That's\n\nChannel 0: 100\n\nChannel 1: it.\n\nChannel 0: percent.\n\nChannel 1: We we and, you know, physically, I don't like, with my back, I can't do a lot of the stuff anymore, and Troy is not in the you know, physically, you know, you get all you got a bad back as well. Like, you know, we're not gonna be able to do that sort of thing. And you don't want it really either. You've done your time, I reckon.\n\nChannel 0: Yeah. No. Yeah. You wanna you wanna be able to you wanna be able to sit back and enjoy it. Thousand\n\nChannel 1: Well,\n\nChannel 0: percent.\n\nChannel 1: that's\n\nChannel 0: Okay.\n\nChannel 1: it. You you let someone else deal with a hard jacket now. I just wanna enjoy life.\n\nChannel 0: Yes. Absolutely. Can I ask, with both of your employers, do you have any, like, savings schemes that you have with them with respect to additional super contributions? Do they match them? Anything\n\nChannel 1: No. No.\n\nChannel 0: that\n\nChannel 1: I don't\n\nChannel 0: they garner\n\nChannel 1: do anything.\n\nChannel 0: from your wage? Nothing? Perfect. Just\n\nChannel 1: No.\n\nChannel 0: wanted\n\nChannel 1: Just\n\nChannel 0: to double\n\nChannel 1: the\n\nChannel 0: check. And then the\n\nChannel 1: normal\n\nChannel 0: savings that you put away each week, I have $400 each\n\nChannel 1: straight.\n\nChannel 0: week that you put away. Is that together with Troy\n\nChannel 1: Yep.\n\nChannel 0: is what you put away, or is that yours independently?\n\nChannel 1: No. That's he has a totally different account. That's just purely what I put away. I usually, on average, have between 2 and 3,000 sitting in the savings account at any one time.\n\nChannel 0: Yep.\n\nChannel 1: It drops down and then it\n\nChannel 0: Yep.\n\nChannel 1: goes back up. Sometimes there's more. And then, you know, if I take time off work, I'd obviously pay for my own holidays and stuff like that because I'm only casual. So I usually have money sitting there to cover me for at least four to five weeks if I was off sick to pay my bills\n\nChannel 0: Yeah.\n\nChannel 1: up until then. Because my income protection usually kicks in in a month's time, so if any over that, I should be able to, like, get around it. But I always have about that sitting in my account for a safety net.\n\nChannel 0: Yeah.\n\nChannel 1: But, obviously, like I\n\nChannel 0: No.\n\nChannel 1: said,\n\nChannel 0: That's\n\nChannel 1: if I wanna\n\nChannel 0: okay.\n\nChannel 1: if I'm going on holidays and I have to pay for tickets or something or flights and stuff, it usually drops right\n\nChannel 0: Yeah.\n\nChannel 1: back down. Like, today, I've had to pay this ticket, so I'm down to about a thousand bucks. But over the next four weeks before I travel, that will build back up.\n\nChannel 0: Yeah. Yeah. It pops back up quick quickly enough.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Good. No. No. No.\n\nThat's that's good to know. Alright.\n\nChannel 1: Yes.\n\nChannel 0: Area,\n\nChannel 1: Yes.\n\nChannel 0: what the costs are looking like in the area of, you know, for a minute. Obviously, I'm not gonna have a very specific cost because I'm not gonna be house looking for you, but I\n\nChannel 1: Yeah.\n\nChannel 0: can have a a rough avenue with cost wise as to what that's gonna look like. I can then look at how that's gonna work for us from a purchase borrowing perspective, estimated income avenues for that for the next seven years, and sort of start nutting out how we could go down that avenue and whether it's appropriate avenue to go down. As you\n\nChannel 1: Yes.\n\nChannel 0: said, you're happy to sell the current primary residence, which is always my biggest question mark or my biggest, I guess, concern with anyone who is, you know, 40 plus purchasing a\n\nChannel 1: Yeah.\n\nChannel 0: house. Because, realistically, if you're going for a thirty year mortgage, any lender wants to know what your exit strategy is. If we're 40 or over, it means that thirty years is pushing us to 70, and they our lenders wanna know how you're gonna pay that mortgage off within the time frame.\n\nChannel 1: Yes.\n\nChannel 0: So whether\n\nChannel 1: Yes.\n\nChannel 0: they sometimes they offer a lower a lower time frame. So instead of thirty years, they might offer twenty five, so on and so forth. But if we have a avenue that we're, you know, wanting to eventually downsize, sell off the current PPR and move into the what\n\nChannel 1: Well,\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: said\n\nChannel 0: would be\n\nChannel 1: it'd\n\nChannel 0: investment\n\nChannel 1: be\n\nChannel 0: unit.\n\nChannel 1: yeah. That's what\n\nChannel 0: Yeah.\n\nChannel 1: we would be doing. So we we wouldn't be we wanna downsize. We this house is what we wanna currently be in until we retire, and then we wanted to be if we bought, like, a place where we wanna be, that would be our retirement place to live. It'll be rented out in the meantime paying itself off until we sell the one we're in. Probably, that's what we'd like to do.\n\nSo then this place would then pay off the unit completely, so we should be mortgage free. That's the sort\n\nChannel 0: Yeah.\n\nChannel 1: of thought of the plan what we could do.\n\nChannel 0: Yeah. Perfect. No. Good. Good.\n\nGood. Good. Good.\n\nChannel 1: And then also it goes\n\nChannel 0: And\n\nChannel 1: on\n\nChannel 0: if we\n\nChannel 1: as to how much we put into that unit as well. Like, do we put a 100,000 as a deposit to borrow the rest? And\n\nChannel 0: Yeah.\n\nChannel 1: then that way, we've always got a little bit of a safety net there anyway.\n\nChannel 0: Yeah. Absolutely. No.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Alright. Well, I'll have a look at all of this, see where we can go with it. Can I ask? I think the only thing I'm probably missing is is your your husband, do you know how much he saves a week\n\nChannel 1: He's\n\nChannel 0: or how much he\n\nChannel 1: he's\n\nChannel 0: puts the money\n\nChannel 1: pretty\n\nChannel 0: into saving?\n\nChannel 1: he's pretty, screwgy. I think he's got about 10 to 15,000 saved. I\n\nChannel 0: Yep.\n\nChannel 1: buy all the Christmas presents. I buy all the toys. Like, I'm pretty flippant because I know he's always got money saved up if I need anything. So I'm not really the heavy saver. He is, because he doesn't spend any money on anything.\n\nLike, I do all the kids shop. If I want money, he will give me the money, but, like, he's just always been the saver.\n\nChannel 0: Yeah. Yeah. Perfect.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: I don't\n\nChannel 0: it's\n\nChannel 1: I don't even ask money off him either. So mine always goes before I I'm gonna be pre guest before I ask money off him, but I know it's there if we need it. There's money sitting there.\n\nChannel 0: No. Perfect. Cool. Alright. So he's got a little bit of money saved, and he puts money regularly away into savings as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Good. Good. Good. Alright.\n\nSo that's gonna sort of, I guess, give me a scope on on where we can go with everything and whether we can hit our our possible avenues to purchase\n\nChannel 1: Yep.\n\nChannel 0: and go from there or whether maybe it's not a go right now and we wait a few more years and purchase maybe when we're ready to downsize or what we kinda\n\nChannel 1: Yep.\n\nChannel 0: go with. So I'll have a look at the areas that we're looking to buy in, what our obvious rental income estimation, estimated interest rates would be, and how that would look from a cost perspective, have a look\n\nChannel 1: Yep.\n\nChannel 0: at how we would approach that to, obviously, make sure that we're covering everything off, and then we can go from there. Okay? And it realistically, it might just be a bit of a numbers game drawn up\n\nChannel 1: Yeah. That's\n\nChannel 0: on, you\n\nChannel 1: fine.\n\nChannel 0: know,\n\nChannel 1: We\n\nChannel 0: maybe\n\nChannel 1: just wanted\n\nChannel 0: it's\n\nChannel 1: a bit\n\nChannel 0: an option.\n\nChannel 1: of yeah. Yeah. We\n\nChannel 0: Guidance.\n\nChannel 1: just wanted some\n\nChannel 0: Yeah.\n\nChannel 1: options. Like, if we if we don't buy the the unit, do we just put the money in the super, or do we just pay this house completely off and then later down the track use this as collateral to then pay another unit down down the track? Like, we just like, someone just said to us, you shouldn't pay your mortgage completely off. You should have a little bit to then use, you know, if you need to redraw or whatever. And I'm like, okay.\n\nWell,\n\nChannel 0: Yeah.\n\nChannel 1: that's where we left doing that. That completely went out the window then. So now it's sort of stuck. I think if we had paid their capital gains off, I think we ended up with, I think, 10,000 on our mortgage left is what\n\nChannel 0: Yeah.\n\nChannel 1: we looked at. So\n\nChannel 0: Yeah. Yeah. And that would\n\nChannel 1: yeah.\n\nChannel 0: probably be rough figures. I wanna see if I can get you to the point between the two of you. I'll run the figures properly.\n\nChannel 1: Yep.\n\nChannel 0: And so long as we're pretty truthful on the fact that he's at $1.30, you've at 80 plus the capital gain. I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing. Because,\n\nChannel 1: Yep.\n\nChannel 0: realistically, if we're gonna give it to the government, why give it to the government when we can give it to ourselves?\n\nChannel 1: That's it. That's what we were sort of thinking. That's why someone said, oh, that's why I said we need to speak to the tax account. I said I have no idea how to offset the capital gains or bring it down to\n\nChannel 0: Yeah.\n\nChannel 1: less. At this stage, we were paying over 30 to 36,000. I'm like, okay. Well, that's wasted money. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And that's where we\n\nChannel 0: No.\n\nChannel 1: sort of\n\nChannel 0: Absolutely.\n\nChannel 1: that's why we left us with, like, 10,000 left to our mortgage if we didn't pay it off. And that's when we just all put anything on hold and went, I don't know what to do. Let's just hold the brakes. You can just sit there for the moment. It's not gonna go anywhere.\n\nIt's just sitting there. In the meantime, we're just paying principal off our mortgage. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: All good.\n\nChannel 0: Yeah. No. And that's that's perfect. Alright. Well, I'll start running the steps.\n\nI'll look at things.\n\nChannel 1: Yep.\n\nChannel 0: I've got you booked in for Wednesday. I should be fine to go ahead with everything, and I can do all the research on the back end. If I run into any roadblocks, then we can kinda convert Wednesday's meeting into maybe another touch base to answer any questions, but I should\n\nChannel 1: Yep.\n\nChannel 0: honestly\n\nChannel 1: Yep.\n\nChannel 0: be okay. I can't\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: Not\n\nChannel 0: anything\n\nChannel 1: a problem.\n\nChannel 0: that I'm gonna run into too hard. Okay.\n\nChannel 1: Yep. And I said, I mean, my tax goes up and down depending on how much I work in that year. My back's been really bad. I I do have less work, but I know last year was around 80. This year would probably\n\nChannel 0: Yeah.\n\nChannel 1: be around the same, if not a little bit more because I've worked pretty much confident since last July. So all good. No worries. Alright. That will be great.\n\nI mean, like I said, there's no harm. Even in last time last time, I said that they couldn't help me any more than what Pesto was doing anyway. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it is what it is. But that's happy. I'm\n\nChannel 0: Which\n\nChannel 1: happy\n\nChannel 0: is\n\nChannel 1: to\n\nChannel 0: weird because there's so many there's so many other avenues that they could look in anyway. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's not a problem.\n\nChannel 1: Yeah. No. That's fine. That's what I said. I said, you know, I don't know much about that.\n\nI, you know, I didn't even like Troy, like I said, Troy actually said the guy that was looking after Troy's money said you should we'll we'll flip over to get your city wife and get on to it. And that's where this is all sort of stemmed from. But other than that, I was oblivious to why everything else was going on. I was just sitting in the hair suckers. Every most nurses go with Hester anyway, and heard it's not the one of the\n\nChannel 0: Yes.\n\nChannel 1: worst ones, but it's not the best ones either. But it's that middle range. And I thought, well, you know, it is what it is. So this is just a bonus for me if it happens if it happens. So\n\nChannel 0: Yeah. Yeah. No. Absolutely. Well, let me see what I can\n\nChannel 1: is\n\nChannel 0: work numbers live, and\n\nChannel 1: it? Yep.\n\nChannel 0: we can go from there.\n\nChannel 1: Alright. Sounds good. I'll look forward to hearing to you on Wednesday.\n\nChannel 0: Certainly. I'll speak to you then.\n\nChannel 1: Uh-uh. No worries, Melissa. Catch you later.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.48,"end":3.22,"sentiment":"neutral","sentiment_score":0.20879263430833817},{"text":"Marissa speaking.","start":3.36,"end":4.34,"sentiment":"neutral","sentiment_score":0.13616330176591873}],"sentiment":"neutral","sentiment_score":0.17247796803712845,"channel":0,"num_words":4,"start":2.48,"end":4.34},{"sentences":[{"text":"Hey, Larissa.","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.20005732029676437},{"text":"Fabian.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.24094459414482117},{"text":"How are you 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over.","start":12.575,"end":14.434999,"sentiment":"neutral","sentiment_score":-0.28754077000277384},{"text":"What was I gonna say?","start":15.695,"end":16.814999,"sentiment":"neutral","sentiment_score":-0.11778676360845566},{"text":"So this lady, her partner signed up with Peak, Peak Pinnacle.","start":16.814999,"end":22.355,"sentiment":"neutral","sentiment_score":-0.041021734814752235}],"sentiment":"neutral","sentiment_score":-0.15550009009462815,"channel":1,"num_words":27,"start":10.32,"end":22.355},{"sentences":[{"text":"They he she was referred through, and Pete came back not in best interest for her.","start":23.455,"end":29.76,"sentiment":"neutral","sentiment_score":-0.1540583095047623},{"text":"Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple.","start":31.42,"end":42.375,"sentiment":"neutral","sentiment_score":-0.08055230194041806},{"text":"They would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review.","start":42.375,"end":48.715,"sentiment":"neutral","sentiment_score":-0.019133971205779483},{"text":"That way we can get some holistic advice together as a couple.","start":48.775,"end":51.88,"sentiment":"neutral","sentiment_score":0.08388947478185098},{"text":"I said,","start":52.579998,"end":53.059998,"sentiment":"neutral","sentiment_score":0.034095377661287785}],"sentiment":"neutral","sentiment_score":-0.04969596689085612,"channel":1,"num_words":89,"start":23.455,"end":53.059998},{"sentences":[{"text":"Yeah.","start":52.835,"end":53.335,"sentiment":"neutral","sentiment_score":0.08213767409324646}],"sentiment":"neutral","sentiment_score":0.08213767409324646,"channel":0,"num_words":1,"start":52.835,"end":53.335},{"sentences":[{"text":"I'm pretty sure if OKU takes you as a client, if you guys want advice holistically, they're gonna be okay with 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there.","start":1824.56,"end":1825.4401,"sentiment":"neutral","sentiment_score":-0.07929944805800915},{"text":"In the meantime, we're just paying principal off our 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good.","start":1870.525,"end":1872.365,"sentiment":"positive","sentiment_score":0.36651458342870075},{"text":"No worries.","start":1872.365,"end":1873.105,"sentiment":"neutral","sentiment_score":0.14208358898758888},{"text":"Alright.","start":1873.3251,"end":1873.5651,"sentiment":"neutral","sentiment_score":0.2976934611797333},{"text":"That will be great.","start":1873.5651,"end":1874.2051,"sentiment":"positive","sentiment_score":0.5571253597736359}],"sentiment":"neutral","sentiment_score":0.22133456645854588,"channel":1,"num_words":29,"start":1864.525,"end":1874.2051},{"sentences":[{"text":"I mean, like I said, there's no harm.","start":1874.2051,"end":1875.725,"sentiment":"neutral","sentiment_score":0.20734388753771782},{"text":"Even in last time last time, I said that they couldn't help me any more than what Pesto was doing anyway.","start":1875.725,"end":1880.44,"sentiment":"neutral","sentiment_score":-0.11561127787544614},{"text":"So, 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They also discuss retirement plans and potential savings from the program, including options for buying and investing in properties. The agent suggests decreasing mortgage payments and reducing capital gain to nothing, and discusses retirement savings for the customer's current home. They also mention potential tax savings and savings for the customer's current home, including savings from their employer and potential tax savings for their husband's income. The agent suggests using the customer's husband's money to purchase a new property and reduce mortgage payments. They agree to speak again on Wednesday."},"intents":{"segments":[{"text":"Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple.","start_word":61,"end_word":91,"intents":[{"intent":"Discuss financial advice","confidence_score":0.022907235}]},{"text":"Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple. They would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review. That way we can get some holistic advice together as a couple. I said, Yeah.","start_word":61,"end_word":134,"intents":[{"intent":"Review and discuss hybrid advice","confidence_score":6.77651e-8}]},{"text":"They're considering whether they should buy an investment property, pay off their mortgage.","start_word":214,"end_word":226,"intents":[{"intent":"Discuss investment property","confidence_score":0.20157377}]},{"text":"But, yeah, that's, I guess, some of the main points for them that they wanted to try and address. So I just wanted to give you a heads up on that side. No. No.","start_word":262,"end_word":295,"intents":[{"intent":"Address key points","confidence_score":0.0035742593}]},{"text":"The certificate shown as chart. Okay.","start_word":297,"end_word":302,"intents":[{"intent":"Copy certificate","confidence_score":0.14800355}]},{"text":"I'm just dumping stuff in where I can, so it's gonna look a little bit messy. Bank day surgery.","start_word":323,"end_word":341,"intents":[{"intent":"Advise on cleaning","confidence_score":0.00044572342}]},{"text":"Whilst you might have a a mortgage, it's completely offset, and you could turn around today and pay it off. Yes. That's correct. But I understand that you're wanting to have a look at potential avenues on what to do with those the money that's sitting in that offset, whether you do pay off the mortgage or whether we go through and purchase an investment property with some Yeah.","start_word":676,"end_word":744,"intents":[{"intent":"Inquire about property options","confidence_score":0.00019765465}]},{"text":"It's we both had the same sort of goal plan, Gold like, Avenue. yeah, Yeah.","start_word":1192,"end_word":1206,"intents":[{"intent":"Discuss goals and objectives","confidence_score":0.044033423},{"intent":"Discuss career plan","confidence_score":0.000012971457}]},{"text":"It's we both had the same sort of goal plan, Gold like, Avenue. yeah, Yeah. in that which would be the best that would suit us, like, in long term to be able to help us when we retired. It was is our game is to be able Yeah. to tie more comfortably in seven years with those extra things put in place that we can draw on to make our lives comfortable, why we have the money to do it sort of thing. No.","start_word":1192,"end_word":1276,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.07093291},{"intent":"Discuss retirement plans","confidence_score":0.2363192}]},{"text":"Because as I understand your partner is with Peak Pinnacle, they wouldn't Yep. talk to the two of you as a couple?","start_word":1281,"end_word":1302,"intents":[{"intent":"Establish trust in spouse","confidence_score":0.00001928158},{"intent":"Discuss potential partnership","confidence_score":0.014617537}]},{"text":"Because as I understand your partner is with Peak Pinnacle, they wouldn't Yep. talk to the two of you as a couple? And he said he couldn't give my husband much advice because I wasn't in the same group.","start_word":1281,"end_word":1319,"intents":[{"intent":"Discuss husband's advice","confidence_score":0.0021697108}]},{"text":"And then we went through it all, and then they said it wasn't really worth viable to it'd program the same path as what I'm already on with Hester anyway.","start_word":1391,"end_word":1420,"intents":[{"intent":"Discuss program options","confidence_score":0.084258415}]},{"text":"And I'm assuming, like, retirement is on the back of the Harley's into the sunset? Yeah.","start_word":2110,"end_word":2125,"intents":[{"intent":"Explore retirement plans","confidence_score":0.08775254}]},{"text":"We probably will downsize when we retire Okay. using that, like, selling off the house and then buying something smaller that's more suitable for us. Like, Okay.","start_word":2531,"end_word":2557,"intents":[{"intent":"Optimize retirement home","confidence_score":0.003808602}]},{"text":"So we've owned it for a decent amount of time, and it was a fifty fifty ownership structure. Just confirming.","start_word":3087,"end_word":3106,"intents":[{"intent":"Confirm ownership structure","confidence_score":0.5251379}]},{"text":"So I can do some tax calculations with respect to how we could maybe look at offsetting some of that tax Yep.","start_word":3111,"end_word":3132,"intents":[{"intent":"Offer advice on tax calculations","confidence_score":0.002441002}]},{"text":"But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance. So it'd be sort Okay. of like in a unit or an apartment of some sort.","start_word":3495,"end_word":3532,"intents":[{"intent":"Simplify unit type","confidence_score":0.000097896285}]},{"text":"But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance. So it'd be sort Okay. of like in a unit or an apartment of some sort. Alright. So, like, a two to three bedroom unit complex. Yeah.","start_word":3495,"end_word":3543,"intents":[{"intent":"Describe house type","confidence_score":0.000048632613}]},{"text":"got a bit of an amenities with it as well. Yeah.","start_word":3562,"end_word":3572,"intents":[{"intent":"Share amenities and plans","confidence_score":0.0000056598474}]},{"text":"That way you just have all of the avenues looked after, and you can just kind Yeah. of breathe a sigh of relief and not have to deal with any of it. Yeah. Pretty much.","start_word":3574,"end_word":3608,"intents":[{"intent":"Express gratitude for simplicity","confidence_score":0.000041283318}]},{"text":"I mean, we've always had a home, and we've always had, like, big blocks of land, and and we're now in a sort of reasonable size one. But I I just don't wanna be doing maintenance. Like, I don't wanna be out mowing lawns and trimming and gardening. You know, as we get older Yeah.","start_word":3609,"end_word":3663,"intents":[{"intent":"Express uncertainty about maintenance","confidence_score":0.00018158297}]},{"text":"of something we can just lock up. I know you pay more for, like, strata fees and stuff like that, but you'd probably spend that in maintenance anyway on your own home. 100%.","start_word":3730,"end_word":3762,"intents":[{"intent":"Offer house ownership","confidence_score":0.0010019508},{"intent":"Discuss cost savings","confidence_score":0.00066426536}]},{"text":"I know you pay more for, like, strata fees and stuff like that, but you'd probably spend that in maintenance anyway on your own home. 100%.","start_word":3737,"end_word":3762,"intents":[{"intent":"Discuss strata fees","confidence_score":0.0005820983}]},{"text":"And the time So is at managing. yeah. That's it.","start_word":3763,"end_word":3772,"intents":[{"intent":"Offer remarching purpose","confidence_score":2.619741e-7},{"intent":"Explain future management plans","confidence_score":1.703867e-7}]},{"text":"You you let someone else deal with a hard jacket now. I just wanna enjoy life. Yes.","start_word":3972,"end_word":3988,"intents":[{"intent":"Define hobbies","confidence_score":0.0000015490759}]},{"text":"And then, you know, if I take time off work, I'd obviously pay for my own holidays and stuff like that because I'm only casual. So I usually have money sitting there to cover me for at least four to five weeks if I was off sick to pay my bills Yeah. up until then.","start_word":4128,"end_word":4182,"intents":[{"intent":"Discuss financial goals and objectives","confidence_score":0.0000045980414}]},{"text":"If we're 40 or over, it means that thirty years is pushing us to 70, and they our lenders wanna know how you're gonna pay that mortgage off within the time frame. Yes.","start_word":4469,"end_word":4501,"intents":[{"intent":"Negotiate housing options","confidence_score":0.00007710384}]},{"text":"Like, I'm pretty flippant because I know he's always got money saved up if I need anything. So I'm not really the heavy saver. He is, because he doesn't spend any money on anything. Like, I do all the kids shop. If I want money, he will give me the money, but, like, he's just always been the saver. Yeah. Yeah. Perfect.","start_word":4813,"end_word":4874,"intents":[{"intent":"Address financial concerns","confidence_score":0.0012842845}]},{"text":"Like, if we if we don't buy the the unit, do we just put the money in the super, or do we just pay this house completely off and then later down the track use this as collateral to then pay another unit down down the track?","start_word":5114,"end_word":5160,"intents":[{"intent":"Discussing collateral use","confidence_score":0.0021495621}]},{"text":"I think if we had paid their capital gains off, I think we ended up with, I think, 10,000 on our mortgage left is what Yeah.","start_word":5219,"end_word":5244,"intents":[{"intent":"Discussing capital gains","confidence_score":0.024817687}]},{"text":"And so long as we're pretty truthful on the fact that he's at $1.30, you've at 80 plus the capital gain. I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing. Because, Yep.","start_word":5281,"end_word":5349,"intents":[{"intent":"Assessing savings and allocation","confidence_score":2.4311168e-8}]},{"text":"I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing. Because, Yep.","start_word":5302,"end_word":5349,"intents":[{"intent":"Discussing debt reduction","confidence_score":0.0036408398}]},{"text":"realistically, if we're gonna give it to the government, why give it to the government when we can give it to ourselves? That's it.","start_word":5350,"end_word":5373,"intents":[{"intent":"Describing government approach","confidence_score":0.0000037745012}]},{"text":"If I run into any roadblocks, then we can kinda convert Wednesday's meeting into maybe another touch base to answer any questions, but I should Yep.","start_word":5564,"end_word":5589,"intents":[{"intent":"Convert meeting","confidence_score":0.07737008}]}]},"sentiments":{"segments":[{"text":"Good afternoon. Marissa speaking. Hey, Larissa. Fabian. How are you doing? Good. Sorry. I my phone wouldn't answer. Oh, okay.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.04110869765281677},{"text":"Oh, fuck.","start_word":20,"end_word":21,"sentiment":"negative","sentiment_score":-0.4442823827266693},{"text":"I didn't copy all the goals over. What was I gonna say? So this lady, her partner signed up with Peak, Peak Pinnacle. They he she was referred through, and Pete came back not in best interest for her. Now one of their big reasons for doing all of this is they wanted some personal holistic financial advice, but they would not provide holistic advice for them as a couple. They would help Troy on his own, but not as a couple because she wasn't a client, which is why she went, oh, let me do the review. That way we can get some holistic advice together as a couple. I said, Yeah. I'm pretty sure if OKU takes you as a client, if you guys want advice holistically, they're gonna be okay with it. But, look, Yeah. I'm not a 100% sure, but I'm pretty sure you guys sort of come part and parcel, and they'll be happy to help you. So I'm not sure if that's the case or not, but that is one of the real big keys for them is they got money sitting in an offset account. They're considering whether they should buy an investment property, pay off their mortgage. They've got another international investment that'll cash out in about seven years. So there's all of these things that they want advice on outside of super. They wanna Yeah. sort their super as well. Yeah. But, yeah, that's, I guess, some of the main points for them that they wanted to try and address. So I just wanted to give you a heads up on that side. No. No. Absolutely. The certificate shown as chart. Okay. Cool. Great. I'm just gonna copy She is some of this no. stuff You're over so fine. as well. Sorry. I'm just dumping stuff in where I can, so it's gonna look a little bit messy. Bank day surgery. Love that. She does lots of different jobs. $80. Okay. So own cart, motorbike, off the account, 400,000.","start_word":22,"end_word":359,"sentiment":"neutral","sentiment_score":-0.001693613637106482},{"text":"Amazing.","start_word":360,"end_word":360,"sentiment":"positive","sentiment_score":0.6126729249954224},{"text":"And then we have a personal EPR. Cool. Do you know can I ask the debt value, the $3.77 on the PPR, is that fully offset, or is that Yeah. on It's fully top offset of at the what's moment offset? because no. Okay. Fully Cool. offset. No. I just Not wanna check. not paying any interest at the moment. Amazing. Okay. So And fully so offset. I Amazing. have booked her in for midday on Wednesday. Will you be the adviser for, like, Yep. if she comes on board? Okay. Cool. So I will Yes. Yeah. bring you in on that appointment time as well. I'll just send that through to you now. Cool.","start_word":361,"end_word":475,"sentiment":"neutral","sentiment_score":0.09396765381097794},{"text":"Awesome.","start_word":476,"end_word":476,"sentiment":"positive","sentiment_score":0.3720936179161072},{"text":"Anything else before Perfection. you got me? No. Awesome. Oh, no. The the thing is there, so I know happiness.","start_word":477,"end_word":496,"sentiment":"neutral","sentiment_score":0.1952335089445114},{"text":"That's Cool. good.","start_word":497,"end_word":499,"sentiment":"positive","sentiment_score":0.34329333901405334},{"text":"Alright. I'll just grab it for you. Cool. Thanks for holding. Sorry about the cold. That's okay. I just wanted to give Larissa a bit of an understanding on your situation and the importance of advice on things outside of Super as well just so she's got a bit of a a bigger picture for you. Yep. She'll just pick off on what she needs to before they start working on the plan, and then I will hopefully catch up with you on Wednesday.","start_word":500,"end_word":583,"sentiment":"neutral","sentiment_score":0.18303607404232025},{"text":"That'll be great.","start_word":584,"end_word":586,"sentiment":"positive","sentiment_score":0.47850772738456726},{"text":"No worries. Okay. Yeah.","start_word":587,"end_word":590,"sentiment":"neutral","sentiment_score":0.15424367785453796},{"text":"Good afternoon. Thank you.","start_word":591,"end_word":594,"sentiment":"positive","sentiment_score":0.35342738032341003},{"text":"K. Bye. Hi, Michelle. How are you going? Hi, Larissa. I'm good. Yourself?","start_word":595,"end_word":607,"sentiment":"neutral","sentiment_score":0.1985362321138382},{"text":"Really good. Thank you.","start_word":608,"end_word":611,"sentiment":"positive","sentiment_score":0.4315809905529022},{"text":"Okay. So Fabian was just giving me a bit of a rundown on everything. Yep. And I guess I wanna clarify a few details with you. Yep. So I understand we're kind of wanting to look at a lot of advice in the personal realm, which is fantastic. Mhmm. We're pretty debt free when we look at it. Well, I mean, you are. Whilst you might have a a mortgage, it's completely offset, and you could turn around today and pay it off. Yes. That's correct. But I understand that you're wanting to have a look at potential avenues on what to do with those the money that's sitting in that offset, whether you do pay off the mortgage or whether we go through and purchase an investment property with some Yeah. of that as Just a cash what out of yeah. We just well, we wanna do a bit of, like, which we should be in our age group with that. What would it. be Yeah. the best thing for us to sort of do? Do we just pay off the mortgage? Do we put some into our mortgage and bringing that down and put the rest into an investment property or a unit or or something like that. Or do you know? Just we weren't quite sure, like, you but I would originally, we're gonna just pay off our mortgage and be mortgage free. Yeah. But a Yeah. couple of friends of ours said, well, that is one way to go, but you probably should keep your mortgage open a little bit because you still got asset in your house even though because your house is worth more. You've got a lot of, like, collateral in that house to be able to do something with anyway. So keeping it open is always Yes. a better Equity. thing. But okay. Yep. Well, then what do we do? Do we then put spend x amount on this or x amount on pay some of the most? Or do we put the money into our super instead and buy instead of buying Yeah. an investment property? But we just we've just got it sitting at the moment, and then we haven't really made any issues to do anything. Yeah. So I was if we did go with this, I was just wondering, like, what would be the best or advice that we could get regarding, you know, Yeah. we'd dump it in our super and top it up. But then if we lose it all, then that's my sort of deep thought. But, I mean, buying and investment Yeah. probably could do the same thing if it if it permits again and then you're stuck with this mortgage you can't pay, all that sort of stuff. So yeah. No. Definitely. Okay. So there's there's a couple of different points to it. And and I can see that you can check. I think this is not is that I'm talking to you, and I'm not talking to your partner as well. But that doesn't it limits what we can do in this conversation, but it doesn't limit Yep. how we can proceed. He's sort of on the same boat. That's what Yeah. his supervisor sort of he couldn't tell couldn't give him much because I wasn't part of the team. I'm like, okay. Well, you know, if it was just single on my own, what would be the best thing to do? It's we both had the same sort of goal plan, Gold like, Avenue. yeah, Yeah. in that which would be the best that would suit us, like, in long term to be able to help us when we retired. It was is our game is to be able Yeah.","start_word":612,"end_word":1240,"sentiment":"neutral","sentiment_score":0.061108699089156046},{"text":"to tie more comfortably in seven years with those extra things put in place that we can draw on to make our lives comfortable, why we have the money to do it sort of thing.","start_word":1241,"end_word":1275,"sentiment":"positive","sentiment_score":0.35035258531570435},{"text":"No. Yeah. Can I ask? Because as I understand your partner is with Peak Pinnacle, they wouldn't Yep. talk to the two of you as a couple? And he said he couldn't give my husband much advice because I wasn't in the same group. Like, he said he couldn't do much unless I went on, and that's where my husband said to me, oh, we're gonna see if you can go on it as well because then we can link together. And I'm like, okay. Yes. Well, I didn't know anything about it.","start_word":1276,"end_word":1368,"sentiment":"neutral","sentiment_score":-0.0800003930926323},{"text":"I said, you can do what you like. I'm happy to give it a go. You know, no harm in trying.","start_word":1369,"end_word":1389,"sentiment":"positive","sentiment_score":0.5296323895454407},{"text":"And then we went through it all, and then they said it wasn't really worth viable to it'd program the same path as what I'm already on with Hester anyway. And that was Right. as far as the But conversation they went. What that's okay. So at the moment, yeah. we're just out of stem. I mean, the money is just sitting there. It's not going anywhere, but it's not doing anything for us either while Yeah. it's sitting there. So I mean, it is, but I get yeah. It is, but it isn't. Because, yeah. We're obviously, paying like, off, you're not paying yeah, any yeah. interest on No the mortgage, interest. but No. we're Nothing just paying like that. the yeah. We're paying the Payments. principal off Yeah. now, but yeah. But as in not actually doing something for us besides just that while we're sitting there. But yeah. Because 100 we just percent. don't know, like, Can I it's ask? it's a lot of money. Yeah. Yeah. Sorry. Go for it. No. It is it is definitely a lot of money to just be sitting there, I guess, not doing anything, especially when you're you're over offset, if that makes sense. Like, you've only got a $377,000 loan. You've got $400,000 sitting in the offset. So it means that, theoretically, Yes. there's, you know, a few thou few tens of thousands of dollars sitting there that is actually doing nothing. You know? The 370 Yeah. 7,000 that's sitting there is obviously helping you because it's physically offsetting to the cent you know, the loan. So you're paying no interest. So you're realistically saving 6.38% in interest by having that there, but the additional money is really honestly doing nothing. Yes. Can I what I was gonna ask was, what is your husband earning as an income? Because I can realistically factor Eight. him into a degree with regards to how we can approach some of the avenues for Yeah. He advice. earns about a 130,000 a year. Okay. He works five days a week, and he does roughly ten to twelve hour days. So yeah. So he runs roughly about a 130.","start_word":1390,"end_word":1754,"sentiment":"neutral","sentiment_score":-0.12558353408558728},{"text":"I don't work that hard.","start_word":1755,"end_word":1759,"sentiment":"negative","sentiment_score":-0.3365758955478668},{"text":"I try not to. So mine's always a little bit I was sitting in the lower bracket, but yeah. So he runs there at roughly about Okay. 130,000 a year. Okay. That's okay. And similar age to yourself? He's, yeah, he's four years older than me. So he's 55, 56 this year. Okay. So 56 this year. Alright. And he's gonna continue working up until you're 65 or 61. Sorry. Yeah. He I think he is paying on working 6 to 65, I think he said, 5. which means that Yep. for me, it would be 60 You'll one. be 60 Because one. we sort of roughly wanna, Okay. you know, retire roughly the same year because we can go off and do things instead of him waiting for me for another four or five years while he's not working just Yeah. to be able to go and do stuff. So but if I had to work the 65, I mean, I would, but it's just we were roughly thinking if he he retired at 65, I'd be 61. If we can retire with the money we've got in our Okay. That you provided are joint assets, I'm assuming. There's nothing that you hold that he doesn't. The only joint thing we've got is a house and the money I the car and and that are all mine. He's got his own car and stuff like that, his assets. But, Okay. yeah, we've got the shared fractional share overseas that we both joint own, Yep. and the house is joint owned. But the cars and the bikes, he's got his own bikes and he's got his own cars because he's got the more expensive ones because we don't he's gotta work you.","start_word":1760,"end_word":2051,"sentiment":"neutral","sentiment_score":0.0067939250729978085},{"text":"So we've got a really good car. Mine's just a run around one to get to and from work, and things like that.","start_word":2052,"end_word":2074,"sentiment":"positive","sentiment_score":0.4428316354751587},{"text":"Yep.","start_word":2075,"end_word":2075,"sentiment":"neutral","sentiment_score":0.27171048521995544},{"text":"So Perfect.","start_word":2076,"end_word":2077,"sentiment":"positive","sentiment_score":0.5773385763168335},{"text":"yeah. And he has his own Harley as well? Yep. He's got his own Harley.","start_word":2078,"end_word":2092,"sentiment":"neutral","sentiment_score":0.15867851674556732},{"text":"He's got a nice That one. is great. This is about 26 Cool. grand. I love that.","start_word":2093,"end_word":2109,"sentiment":"positive","sentiment_score":0.5031613707542419},{"text":"And I'm assuming, like, retirement is on the back of the Harley's into the sunset? Yeah. It's it's just getting out and just tripping around. Like, I I love camping and just Yeah. love going on holidays. So I'd I'd probably caravan for a year or so and have a home base. But we do a lot of motorbike riding. We do a lot of touring now on weekends and Yeah. try and get out as much as possible. So it'd be Yeah. a combination of things.","start_word":2110,"end_word":2196,"sentiment":"neutral","sentiment_score":0.13747744262218475},{"text":"Perfect.","start_word":2197,"end_word":2197,"sentiment":"positive","sentiment_score":0.43106141686439514},{"text":"Alright. So there's a couple of things that we can definitely look at doing, and I can very limitedly factor your husband in as well. I'm not talking to him, so it becomes really hard from just a conversational perspective. I have no idea why peak pinnacle wouldn't include you in an advice piece Yep. from an overall perspective. Yeah. It yeah. It's just it's it's kind of weird, but I can definitely Yeah. look at He just kind of sort including of said he him couldn't from a from a limited. yeah. We were just wanting a bit of advice, you know, even if it was just for like I said, even if I just went as a single, what would be a good thing? Like, Yeah. I said, do do I buy an investment or do we put in our super and top up our super Yeah. instead and make more money that way? And hopefully, at the end, we'd have more gain. But, you know, we just weren't sure what to do. I said, original plan was just to pay the mortgage off and be done. But now we've got all these other little avenues coming to us. Like, we should probably invest in another one because, you know, seven years we can turn around and sell that off and make whatever we make from that, you know, pop back Yeah. into our super then put it into our super because we're not gonna have any other, like, assets per se, and then just Yeah. focus on our super. Yes. I just don't know which way to go about it. That was No. all. We Definitely. were just No. wondering That's okay. yeah. How it work yeah. So I guess the the first the first most important question that I have is, a, is our primary residence or our home, is that the intended home that we're we're we're intending on keeping forever at this No. It's point? not. Okay. We probably will downsize when we retire Okay. using that, like, selling off the house and then buying something smaller that's more suitable for us. Like, Okay. at the moment, we thought if we buy an investment property that we wanna move into, like, say, a unit where there's no garden, there's no maintenance and stuff like that, if we buy Yes. that and use that as gonna be our retirement home, but rent it out in the meantime and then just when we go to move in, it just, you know, give it a fresh carpet, paint polish, all that sort of stuff when you move in. But Yes. buying something like that now for later down track and using this house as service off to pay that rest of that off Yep. and whatever's left over to put into our super or whatever. Yeah. So the the Yeah. good thing about that avenue is that because you're currently living in your PPR, like so prime primary place of residence. Yep. Right? Because it is considered your prime primary residence, you pay no capital gains on it. So irrespective of the fact that you've owned it for, you know, x number of years, that's thirty three. Yeah. Yeah. We did that with the last house. Yeah. Yeah. This Yeah. we've gotta You pay pay capital nothing gains there. on the block. Yep. Yes. Yeah. Yeah. Or do you still have to pay capital gains on it, or is that settled? Yeah. It's about 30,000. We've gotta pay a tax, but we got got a tax appointment next week, I think, to regarding receiving an offset some of that as Yep. well, what we can offset. But we've gotta wait to get our tax accountant on board when we get an appointment with him before Yeah. the Amazing. financial year ends. And is that is that so you we sold it this year? Yeah. So we sold This that financial we sold the year? block of land this year. The capital gains at at this point, I think, was 30,000. So there's 370,000 in the account that we can touch. So the 30,000 of that we can't touch because that will be capital gains tax money. Okay. So can I ask, That do was the you know what the figures are on the property? So do you like, on the on the block that we sold, do you know when you bought it, what you bought it for, when we sold it, and bought what we sold it for? yeah. We bought it for 290,000. Yep. And I can't remember what year it was. We sold it for 550,000. And I think there was about three or 4,000 in on our Okay. tax And we owned it for longer than twelve months? invoice. Yeah. Yeah. Yeah. No. We've been going to for, I think, 2,000 I think it was 2,000 '17, I think, we sold it or 2,018. We bought So we've it. had it for about yeah. Yeah. Sorry. We bought it. I'm just trying to think. Yep. But, you know, we came over in 2014. We had the house over east for about three years after that. So I would say definitely 2017 or 2018, we bought it. Okay. Alright. No. That's good.","start_word":2198,"end_word":3085,"sentiment":"neutral","sentiment_score":0.03190296959039663},{"text":"Perfect.","start_word":3086,"end_word":3086,"sentiment":"positive","sentiment_score":0.5044669508934021},{"text":"So we've owned it for a decent amount of time, and it was a fifty fifty ownership structure. Just confirming. Yes.","start_word":3087,"end_word":3107,"sentiment":"neutral","sentiment_score":0.27240145206451416},{"text":"Perfect.","start_word":3108,"end_word":3108,"sentiment":"positive","sentiment_score":0.44140446186065674},{"text":"Okay. So I can do some tax calculations with respect to how we could maybe look at offsetting some of that tax Yep. for both you and your husband. And what Okay. I'll do is I'll include some of his details in, I guess, the advice piece as well to sort of help cater for that side of everything. I do Yep. need a couple of details from you for him, though, if that's okay. Yeah. Yeah. That's fine. I have his name as Troy Yes, sir. We're married. I'm assuming same last name. Yep. Yes. That's correct. You already confirmed his income. What's his date of birth? '20 he says the June 1270. 06/12/1970.","start_word":3109,"end_word":3223,"sentiment":"neutral","sentiment_score":0.08188846474108488},{"text":"Cool. Love a good December baby. I'm one myself. Cool.","start_word":3224,"end_word":3233,"sentiment":"positive","sentiment_score":0.5871909260749817},{"text":"So what I can look at is avenues that we can decrease the capital gain. I know you have a meeting with your accountant, so it's just obviously, like, I can give you the advice. It's something you can go to your accountant with and have a chat to them about and, you know, make sure you're obviously closer and happy with it. Yeah. But we can look at decreasing We that capital gain, definitely. Yep. Perfect. But That's I'll yeah. have a look We at just did that. Yep. Yeah. Sorry. We can I can have a look at everything from that avenue and give advice to the two of you from that perspective? Then I can obviously look at your super for yourself You're right. Yep. and look at whether there's any avenue that we can make that better, possible, you know, contributions to save on tax ongoing, you know, Yep. looking maybe decreasing your income from a investment perspective. And I can also have a look at purchasing. So if we were to purchase a property, Yep. what area would we be looking at? It Yep. it would probably be the metro area of Perth. We did think about going down south as far as Brumbury, Yep. which is sort of two and a half hours from the metropolitan area. Yep. We sort of most of our kids are over here with our grandkids, and they aren't in probably won't be moving away for a while. So we sort of still wanted to be based in Perth. Yes. But I wanted a bit more, like, a unit or something like that where we didn't have to worry about outside maintenance. So it'd be sort Okay. of like in a unit or an apartment of some sort. Alright. So, like, a two to three bedroom unit complex. Yeah. Is that the same? Just where someone's K. doing all the you know, maybe something with that's Update.","start_word":3234,"end_word":3561,"sentiment":"neutral","sentiment_score":0.07675412442626023},{"text":"got a bit of an amenities with it as well.","start_word":3562,"end_word":3571,"sentiment":"positive","sentiment_score":0.37566912174224854},{"text":"Yeah. Yep.","start_word":3572,"end_word":3573,"sentiment":"neutral","sentiment_score":0.3037310242652893},{"text":"That way you just have all of the avenues looked after, and you can just kind Yeah. of breathe a sigh of relief and not have to deal with any of it.","start_word":3574,"end_word":3605,"sentiment":"positive","sentiment_score":0.4471372067928314},{"text":"Yeah. Pretty much. I mean, we've always had a home, and we've always had, like, big blocks of land, and and we're now in a sort of reasonable size one. But I I just don't wanna be doing maintenance. Like, I don't wanna be out mowing lawns and trimming and gardening. You know, as we get older Yeah. in life, I don't wanna be sort of worrying about that sort of thing. That's why I thought You we'd wanna be. be able to lock up the home and jump That's into it. the And caravan it's got because the wind takes you and go. that's it. Yeah. And just get on the box and go sort of thing. So, yeah, that's we sort Yeah. of something we can just lock up. I know you pay more for, like, strata fees and stuff like that, but you'd probably spend that in maintenance anyway on your own home. 100%. And the time So is at managing. yeah. That's it. You Okay. gotta have time to do it. Like, how we can just, you know, gotta do this this weekend. It's like, oh, yeah. I don't want Oh, that anymore. yeah. I just wanna be able to go in and have everything done for me. No. Like, I'm only on an acre, and I have the same issue. Obviously, I looked at the yard this weekend and went, if I just close Yeah. my eyes, it doesn't exist. Right? You just don't look at it yet. He'll always be there next weekend if not a little bit worse, but yeah. That's 100 it. percent.","start_word":3606,"end_word":3876,"sentiment":"neutral","sentiment_score":-0.004398970132714268},{"text":"We we and, you know, physically, I don't like, with my back, I can't do a lot of the stuff anymore, and Troy is not in the you know, physically, you know, you get all you got a bad back as well. Like, you know, we're not gonna be able to do that sort of thing. And you don't want it really either. You've done your time, I reckon.","start_word":3877,"end_word":3945,"sentiment":"negative","sentiment_score":-0.4694077968597412},{"text":"Yeah. No. Yeah. You wanna you wanna be able to you wanna be able to sit back and enjoy it. Thousand Well, percent. that's Okay. it. You you let someone else deal with a hard jacket now.","start_word":3946,"end_word":3982,"sentiment":"neutral","sentiment_score":0.1715048998594284},{"text":"I just wanna enjoy life.","start_word":3983,"end_word":3987,"sentiment":"positive","sentiment_score":0.39537370204925537},{"text":"Yes. Absolutely. Can I ask, with both of your employers, do you have any, like, savings schemes that you have with them with respect to additional super contributions? Do they match them? Anything No. that No. I they don't garner do from anything. your wage? Nothing? Perfect. Just No. wanted Just to double the check. And then the normal savings that you put away each week, I have $400 each straight. week that you put away. Is that together with Troy Yep. is what you put away, or is that yours independently? No. That's he has a totally different account. That's just purely what I put away. I usually, on average, have between 2 and 3,000 sitting in the savings account at any one time. Yep. It drops down and then it Yep. goes back up. Sometimes there's more. And then, you know, if I take time off work, I'd obviously pay for my own holidays and stuff like that because I'm only casual. So I usually have money sitting there to cover me for at least four to five weeks if I was off sick to pay my bills Yeah. up until then. Because my income protection usually kicks in in a month's time, so if any over that, I should be able to, like, get around it. But I always have about that sitting in my account for a safety net. Yeah. But, obviously, like I No. said, That's if I wanna okay. if I'm going on holidays and I have to pay for tickets or something or flights and stuff, it usually drops right Yeah. back down. Like, today, I've had to pay this ticket, so I'm down to about a thousand bucks. But over the next four weeks before I travel, that will build back up. Yeah. Yeah. It pops back up quick quickly enough. Yeah. Okay. Good. No. No. No. That's that's good to know. Alright. Yes. Area, Yes. what the costs are looking like in the area of, you know, for a minute. Obviously, I'm not gonna have a very specific cost because I'm not gonna be house looking for you, but I Yeah. can have a a rough avenue with cost wise as to what that's gonna look like. I can then look at how that's gonna work for us from a purchase borrowing perspective, estimated income avenues for that for the next seven years, and sort of start nutting out how we could go down that avenue and whether it's appropriate avenue to go down. As you Yes. said, you're happy to sell the current primary residence, which is always my biggest question mark or my biggest, I guess, concern with anyone who is, you know, 40 plus purchasing a Yeah. house. Because, realistically, if you're going for a thirty year mortgage, any lender wants to know what your exit strategy is. If we're 40 or over, it means that thirty years is pushing us to 70, and they our lenders wanna know how you're gonna pay that mortgage off within the time frame. Yes. So whether Yes. they sometimes they offer a lower a lower time frame. So instead of thirty years, they might offer twenty five, so on and so forth. But if we have a avenue that we're, you know, wanting to eventually downsize, sell off the current PPR and move into the what Well, we I what said would be it'd investment be unit. yeah. That's what Yeah. we would be doing. So we we wouldn't be we wanna downsize. We this house is what we wanna currently be in until we retire, and then we wanted to be if we bought, like, a place where we wanna be, that would be our retirement place to live. It'll be rented out in the meantime paying itself off until we sell the one we're in. Probably, that's what we'd like to do. So then this place would then pay off the unit completely, so we should be mortgage free. That's the sort Yeah. of thought of the plan what we could do. Yeah. Perfect. No. Good.","start_word":3988,"end_word":4674,"sentiment":"neutral","sentiment_score":0.002182746332496665},{"text":"Good. Good. Good. Good.","start_word":4675,"end_word":4678,"sentiment":"positive","sentiment_score":0.4179140329360962},{"text":"And then also it goes And on if we as to how much we put into that unit as well. Like, do we put a 100,000 as a deposit to borrow the rest? And Yeah. then that way, we've always got a little bit of a safety net there anyway. Yeah. Absolutely. No. Yeah.","start_word":4679,"end_word":4732,"sentiment":"neutral","sentiment_score":0.10550771653652193},{"text":"Fantastic.","start_word":4733,"end_word":4733,"sentiment":"positive","sentiment_score":0.4276777505874634},{"text":"Alright. Well, I'll have a look at all of this, see where we can go with it. Can I ask? I think the only thing I'm probably missing is is your your husband, do you know how much he saves a week He's or how much he he's puts the money pretty into saving?","start_word":4734,"end_word":4787,"sentiment":"neutral","sentiment_score":0.0077061401680111885},{"text":"he's pretty, screwgy.","start_word":4788,"end_word":4790,"sentiment":"negative","sentiment_score":-0.5985772013664246},{"text":"I think he's got about 10 to 15,000 saved. I Yep. buy all the Christmas presents. I buy all the toys. Like, I'm pretty flippant because I know he's always got money saved up if I need anything. So I'm not really the heavy saver. He is, because he doesn't spend any money on anything. Like, I do all the kids shop. If I want money, he will give me the money, but, like, he's just always been the saver. Yeah. Yeah.","start_word":4791,"end_word":4872,"sentiment":"neutral","sentiment_score":-0.036944945206547654},{"text":"Perfect.","start_word":4873,"end_word":4873,"sentiment":"positive","sentiment_score":0.5307326912879944},{"text":"I And I don't it's I don't even ask money off him either. So mine always goes before I I'm gonna be pre guest before I ask money off him, but I know it's there if we need it. There's money sitting there. No.","start_word":4874,"end_word":4917,"sentiment":"neutral","sentiment_score":0.008426414802670479},{"text":"Perfect. Cool.","start_word":4918,"end_word":4919,"sentiment":"positive","sentiment_score":0.3945564031600952},{"text":"Alright. So he's got a little bit of money saved, and he puts money regularly away into savings as well. Yep. Okay.","start_word":4920,"end_word":4941,"sentiment":"neutral","sentiment_score":0.309293270111084},{"text":"Good. Good. Good.","start_word":4942,"end_word":4944,"sentiment":"positive","sentiment_score":0.5665875673294067},{"text":"Alright. So that's gonna sort of, I guess, give me a scope on on where we can go with everything and whether we can hit our our possible avenues to purchase Yep. and go from there or whether maybe it's not a go right now and we wait a few more years and purchase maybe when we're ready to downsize or what we kinda Yep. go with. So I'll have a look at the areas that we're looking to buy in, what our obvious rental income estimation, estimated interest rates would be, and how that would look from a cost perspective, have a look Yep. at how we would approach that to, obviously, make sure that we're covering everything off, and then we can go from there. Okay? And it realistically, it might just be a bit of a numbers game drawn up Yeah. That's on, you fine. know, We maybe just wanted it's a bit an option. of yeah. Yeah. We Guidance. just wanted some Yeah. options. Like, if we if we don't buy the the unit, do we just put the money in the super, or do we just pay this house completely off and then later down the track use this as collateral to then pay another unit down down the track? Like, we just like, someone just said to us, you shouldn't pay your mortgage completely off. You should have a little bit to then use, you know, if you need to redraw or whatever. And I'm like, okay. Well, Yeah. that's where we left doing that.","start_word":4945,"end_word":5205,"sentiment":"neutral","sentiment_score":0.02447238564491272},{"text":"That completely went out the window then. So now it's sort of stuck.","start_word":5206,"end_word":5218,"sentiment":"negative","sentiment_score":-0.5692583918571472},{"text":"I think if we had paid their capital gains off, I think we ended up with, I think, 10,000 on our mortgage left is what Yeah. we looked at. So Yeah. Yeah. And that would yeah. probably be rough figures. I wanna see if I can get you to the point between the two of you. I'll run the figures properly. Yep. And so long as we're pretty truthful on the fact that he's at $1.30, you've at 80 plus the capital gain. I will see what I can do in terms of the math side of things to get you to the point where maybe instead of paying capital gains, we put pop the money into super or other avenues to reduce that capital gain to near nothing. Because, Yep. realistically, if we're gonna give it to the government, why give it to the government when we can give it to ourselves? That's it. That's what we were sort of thinking. That's why someone said, oh, that's why I said we need to speak to the tax account. I said I have no idea how to offset the capital gains or bring it down to Yeah. less. At this stage, we were paying over 30 to 36,000. I'm like, okay.","start_word":5219,"end_word":5429,"sentiment":"neutral","sentiment_score":-0.08338334411382675},{"text":"Well, that's wasted money.","start_word":5430,"end_word":5433,"sentiment":"negative","sentiment_score":-0.5828765630722046},{"text":"So yeah. Yeah. And that's where we No. sort of Absolutely. that's why we left us with, like, 10,000 left to our mortgage if we didn't pay it off. And that's when we just all put anything on hold and went, I don't know what to do. Let's just hold the brakes. You can just sit there for the moment. It's not gonna go anywhere. It's just sitting there. In the meantime, we're just paying principal off our mortgage. So Yeah. yeah.","start_word":5434,"end_word":5515,"sentiment":"neutral","sentiment_score":-0.13459574703763172},{"text":"Absolutely. All good. Yeah.","start_word":5516,"end_word":5519,"sentiment":"positive","sentiment_score":0.48613396286964417},{"text":"No.","start_word":5520,"end_word":5520,"sentiment":"neutral","sentiment_score":0.2104577273130417},{"text":"And that's that's perfect.","start_word":5521,"end_word":5524,"sentiment":"positive","sentiment_score":0.5539789199829102},{"text":"Alright. Well, I'll start running the steps. I'll look at things. Yep. I've got you booked in for Wednesday. I should be fine to go ahead with everything, and I can do all the research on the back end. If I run into any roadblocks, then we can kinda convert Wednesday's meeting into maybe another touch base to answer any questions, but I should Yep. honestly Yep. be okay. I can't Yeah. see Not anything a problem. that I'm gonna run into too hard. Okay. Yep. And I said, I mean, my tax goes up and down depending on how much I work in that year.","start_word":5525,"end_word":5630,"sentiment":"neutral","sentiment_score":0.03932708874344826},{"text":"My back's been really bad.","start_word":5631,"end_word":5635,"sentiment":"negative","sentiment_score":-0.36277174949646},{"text":"I I do have less work, but I know last year was around 80. This year would probably Yeah. be around the same, if not a little bit more because I've worked pretty much confident since last July.","start_word":5636,"end_word":5673,"sentiment":"neutral","sentiment_score":0.014441700652241709},{"text":"So all good.","start_word":5674,"end_word":5676,"sentiment":"positive","sentiment_score":0.3512715697288513},{"text":"No worries. Alright.","start_word":5677,"end_word":5679,"sentiment":"neutral","sentiment_score":0.2227754592895508},{"text":"That will be great.","start_word":5680,"end_word":5683,"sentiment":"positive","sentiment_score":0.559264600276947},{"text":"I mean, like I said, there's no harm. Even in last time last time, I said that they couldn't help me any more than what Pesto was doing anyway. So, yeah, Yeah. it is what it is. But that's happy. I'm Which happy is to weird because there's so many there's so many other avenues that they could look in anyway. Yeah. yeah. It's not a problem. Yeah. No. That's fine. That's what I said. I said, you know, I don't know much about that. I, you know, I didn't even like Troy, like I said, Troy actually said the guy that was looking after Troy's money said you should we'll we'll flip over to get your city wife and get on to it. And that's where this is all sort of stemmed from.","start_word":5684,"end_word":5817,"sentiment":"neutral","sentiment_score":-0.02592269072670545},{"text":"But other than that, I was oblivious to why everything else was going on.","start_word":5818,"end_word":5831,"sentiment":"negative","sentiment_score":-0.33837518095970154},{"text":"I was just sitting in the hair suckers. Every most nurses go with Hester anyway, and heard it's not the one of the Yes. worst ones, but it's not the best ones either. But it's that middle range. And I thought, well, you know, it is what it is.","start_word":5832,"end_word":5880,"sentiment":"neutral","sentiment_score":-0.10325272381305696},{"text":"So this is just a bonus for me if it happens if it happens.","start_word":5881,"end_word":5894,"sentiment":"positive","sentiment_score":0.5084772109985352},{"text":"So Yeah. Yeah. No. Absolutely. Well, let me see what I can is work numbers live, and it? Yep.","start_word":5895,"end_word":5913,"sentiment":"neutral","sentiment_score":0.17460666596889496},{"text":"we can go from there. Alright. Sounds good. I'll look forward to hearing to you on Wednesday. Certainly. I'll speak to you then.","start_word":5914,"end_word":5936,"sentiment":"positive","sentiment_score":0.5608898401260376},{"text":"Uh-uh.","start_word":5937,"end_word":5937,"sentiment":"neutral","sentiment_score":0.1403762400150299},{"text":"No worries, Melissa. Catch you later.","start_word":5938,"end_word":5943,"sentiment":"positive","sentiment_score":0.3736552000045776},{"text":"Bye.","start_word":5944,"end_word":5944,"sentiment":"neutral","sentiment_score":0.2746831178665161}],"average":{"sentiment":"neutral","sentiment_score":0.026476302651120096}}}}