{"metadata":{"transaction_key":"deprecated","request_id":"019dfbf1-e495-7a02-8772-c75c24bd7b4a","sha256":"ccd79297c7b69997675c091b1f0ba4f0c5e538cfb51d9fc26d8b76601de69833","created":"2026-05-06T06:20:29.258Z","duration":1562.0399,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5414,"output_tokens":144},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6106,"output_tokens":6118},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6106,"output_tokens":520}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, David. My name is Larissa from Oakview Financial. How are you going? Really good. Thank you. I'm the financial adviser with one of the financial advisers with the team, and I was just giving you a call following on from conversations you've had with my colleague Fabian. Have I got you at a good time? I know it was around 04:00. I know I'm a little bit early. Perfect. Well, before I jump into it, I do need to let you know our call is recorded, if that's okay. Fantastic. So the whole reason for, I guess, of of what I do is I work for my client. So every client I speak to is very different because any of the goals that you set out for your life differ to anyone else. Now I know that you've provided a lot of information to team already, but what I wanna do is, I guess, break it down and make sure that I am aware of where you sit, and I'm I'm making sure that everything is, you know, in line and and I'm getting it right. So I know that at the moment, you're focusing on getting your mortgage paid off, and you sort of said that you're you're pretty open to advice to see on like, to see how you can sort of do it better or other ways that you can possibly look at how to reduce tax on things. I can see that you have investment property and a primary residence. The primary residence is completely paid off. Correct? Perfect. And then the investment property, can I ask when did we first purchase that property? Eight or nine years ago? No. That's okay. Cool. So we've owned it for a while now. And have we done any major renovations to the property or any sort of anything to improve the property, you know, apart from, I guess, general maintenance? Yeah. Okay. So, like, sort of converting a granny converting it to, like, a granny flat to increase the the value of it. Yeah. Alright. Perfect. And currently, our monthly repayments are about 2,500 or 2,500. Is that just the base minimum, or is that what you actually pay on it? Perfect. Okay. So oh, sorry. So about 3 and a half to 4 a month is what you're paying? Okay. Cool. So we're we're going above what we need to. That's okay. Do we have like, are we paying that off the mortgage, or is there a redraw or a offset account on it? Okay. No. That's okay. Cool. Alright. Good to know. That's okay. And when we took the mortgage out, we were looking at a thirty year loan at the time. Yeah? And with it being rented out, what is our income that we're generating from the property at the moment? Gross $5.50 a week? We have a real estate that's managing it? Yeah? Okay. Alright. So good base figures to be able to look at. Now that property is currently owned by, I would assume, both yourself and your wife? Yeah. And it's $50.50 ownership? Yeah. Okay. Cool. We don't have a trust structure or anything like that. It's just personally owned? Amazing. Now with the property, we're obviously looking at at at expanding on it and doing some work to it. Do you know how much that work's gonna cost? Perfect. Okay. Yeah. No. That's I know. Sometimes it blows out, and sometimes we can come in under. Now with that, how are we going to or how are we looking at getting the funds to be able to do that improvement? Is it are we looking to redraw or, like, you know, take from the equity? Redraw? Okay. Perfect. No. Okay. Cool. So I just gonna take from the redraw and and and make those improvements. K. Perfect. So we have the tax law available to be able to do it. Once the renovation's done, I assume you'll be able to get a considerable amount more for the property? Perfect. So you're gonna increase on on how much you're generating as an income nearly by double, which is great. Now that'll basically put us up to a thousand dollars a week, which more than covers what we're what our minimum repayments are for the property, and we'll basically cover what you guys are paying off on the property from a, you know, from a higher repayment position. It does obviously mean that for both of you, that property is going to turn into something that is no longer it's definitely gonna be positively geared at that point. So it's going to become a bit of a tax issue for you. So definitely something we can look at in respect to how we could possibly minimize or mitigate some of those taxes. Can I ask your wife, how much does she earn if you know? 50 to $60 a year? Okay. Just good to know in terms of what her income is because, obviously, if we're in different tax bracket, it'll affect us differently and something still as a unit we probably need to look at making sure that we're covering. Now outside of that, we have a two cars to caravan, and we have a little share portfolio that we've been dabbling with as well, which is great. And it is good. Hey. We gotta start somewhere dabbling. What platform have you been using? Have you just been using, like, your bank offered platform? Or perfect. No. That's okay. So it's roughly 800 AMP shares that you have. That's fine. No. That's absolutely fine. I'm assuming we've had them for a while now. Did you get them through work or through previously banking with AMP? Or yeah. Yeah. Absolutely nothing wrong with that. No. That's okay. Are you happy to have them keep rolling on, or do you wanna look at doing something with that money? About a dollar 52. Yeah. No. That's fine. Cool. Alright. Well, outside of that, I can see that we you wanna sort of look at getting your super to a position that's gonna benefit you. It's gonna obviously produce a a decent outcome and that we're looking at at age 70 retirement time frame. May I ask why we're looking at 70 to retire? I would be too. Well, if I'm wrong, you're 58 this year, so it's two years before we can access our super. Because from age 60, you're able to start accessing some of it. It also means that from age 60, there's some really cool tax saving strategies we can look at, which will be good, especially with that property increasing in value. So that'll be really good once we turn 60. We can definitely start looking at strategizing from a tax perspective a little bit heavier just to be able to you know, always looking for ways we can pay less tax, but, obviously, in a way that's not going to minimize your income. Because I can see that you are very much using a lot of your income per week. We're saving about a $100 a week at the moment, which means that you're obviously relying on your income week to week, which is good. But, you know, you obviously have the mortgage that you need to pay off. So that's definitely why that's that's obviously a a need to keep that income going. Now you have said that you're wanting to about $1,500 per week to live on when you retire. Can I ask where that figures come from? Fantastic. That's okay. Happens a lot, to be completely honest. And then I start breaking down the numbers and people go, oh, maybe not. The reason I ask that is ultimately, when I look at your income being a $125,000, that equates to about 94,200 per annum net after you pay your taxes, which breaks down to about 1,800 dollars a week is what you would get in your pocket. There's some change, but 18 $100. That means to me, based on the fact that you're saving a $100 a week, that you are currently living on $1,700 a week. Granted, you do have a mortgage that you are currently paying for, and that is where a lot of the money is going into. So that obviously does account for a bit of your current need. If I remove that, because obviously, we wanna have that mortgage paid off, then that gives me probably a a better indication as to what your actual income need is. I have to do the math a little bit more to figure out what you're putting into the mortgage because you're currently putting $5.50 and 52 divided by 12 gives you $23.30 $23.83 from rental income. You'll be paying every bit of couple $100 in fees to your real estate. So let's just call it 2,000 flat from there. And you said that you were currently paying $4 to your mortgage, which means that you're currently putting you're currently putting you're you're currently putting 2 and a half thousand dollars into your mortgage each month. So 2 and a half thousand dollars into your mortgage each Yes. Sorry. I am definitely here. You're totally I am Yep. You said the minimum repayments are 2 and a half thousand, and then you're paying 4,000 a month. Apologies. So the minimum is 3 and a half. Okay. Sorry. There's where my numbers are wrong. Okay. So the minimum is 3 and a half. Your renters are basically covering two of that, so you're currently putting an extra at a minimum, putting an extra 1,500 in to make that repayment. So if you didn't have like, if you're if you didn't have the mortgage anymore, you would be able to get rid of $1,500 out of your your overall need per month, which would realistically mean that you need $2 a month, which equates down to about $500 a week, which is very, very cool. Yeah. So, I mean, there you go. So it's even less than what we thought in terms of the need, but that's not really leaving much for you to travel or do anything in your retirement if that's something that you're wanting to do. A week. Week. Week. Week. Week. Yep. That's already gonna pull a thousand. Yep. You're gonna be quite comfortable. Yeah. Don't be wrong. It's my it's my rough paper math while I'm talking and thinking and not while I'm just thinking with numbers. But, yeah, it seems to be pretty kosher, to be honest. So Yeah. Good. That's without me factoring in your wife's income and what she currently brings and the needs there and, you know, that side of things. But you are obviously earning a bit more than what she is. You said you were she was sort of around that $60 a month $60 mark. So, you know, your income is basically double that. So, yeah, whatever she's bringing in would obviously need to be factored in a little bit. But, yeah, it means that that property, you know, we just need to look at getting that paid off so that way we can have that working. Cool. Perfect. Well, I'm gonna sit with the numbers a little bit, obviously, have a look at what that looks like. I'll obviously actually factor in some decent, you know, saving and putting away for the rental costs and what that looks like from a realistic point of view. We have real estate fees and stuff like that. I just I I ballpark it. I pay I napkin math it. Yep. Yeah. So I'll actually sit down and have a look at the numbers properly and go from there. But aside from that, with regards to, I guess, the other goals you had, I know you wanted to do some traveling and you just want to be comfortable, which we've obviously sort of worked out that we could possibly be pretty well on track to do because of that rental property, but we need to still be realistic about making sure we put money away to deal with any problems that properties come with. And then aside from that, I know that you were pretty open to looking at your insurance stuff as well. Now currently, you're with Bryte Super, and you currently have a life insurance only policy. This is no insurance on protecting you from a disability point of view. Are you wanting to look at all covers? Are you wanting to look at disability cover? Or are you comfortable to just look at, like, life insurance from a stand alone point of view? I guess, to explain it. Yeah. Sorry. Yeah. Let let me you know. Yeah. Correct. And sometimes it it is that, you know, it's the just in case. It's the it's insurance is risk mitigation. That's all it is. The same reason we have house insurance and car insurance because it's it's the just in case we end up running up the back of the Lamborghini that's worth half $1,000,000 or the $2,000,000 house. Realistically, if anything happened to you right now, your wife could theoretically liquidate the investment property. She has a fully paid off mortgage. She's gonna walk away with your superannuation funds, and her lifestyle will not be what you guys were set out to do, but it's possibly manageable ish. She's not gonna get a great deal from the property sale, but she'll probably walk away with a decent $150,000 after all the sales stuff. Yeah. Close to 200,000. After all the sales stuff goes through, the mortgage is paid off and everything like that, plus your superannuation fund. So let's just call it 400,000 e let's just call it 400,000. I know it's a little bit less. So that 6 $100,000 she'll walk away with, plus currently, you have $317,000 with a life insurance policy. So all in all, she's walking away with just over $900,000 when you look at all of it. She's gonna live quite happily, especially if she's in and around the same age as you are and she's, you know, looking at 60 a couple years. So, realistically, what that means is that maybe she will just knock you off in your no. I'm kidding. I'm kidding. She could. No. So, I mean, what that means is that she is gonna be quite probably comfortable with that amount. But you're right. You're currently paying a million thousand dollars for 317,000 in insurance. So, you know, premium paid versus benefit received is pretty comparable. But could we do better? Do we really need that much? Do we wanna protect you if you're never able to work again? Being that you're, you know, two years and two months away from turning 60, is that something we need to focus on? Is that something that you're concerned about, getting ill or injured and never working again? These are all questions that are stuff that you definitely need to answer. I can then investigate, but it's something you need to be comfortable with either taking on the risk or paying for the insurance. Yeah. You're pretty sedentary. No. Yeah. Perfect. And yeah. You kind of said bad back or have you out of work forever. Cool. Well, do you do you want me to look at lower amounts of life insurance? Because realistically speaking, I think if we just cover the mortgage on that investment property so, like, the you have nearly 400,000 in your super fund. If I look at, say, a 100 to $150,000 worth of life insurance, which with those two benefits combined will more than adequately pay off the the investment property, it means that your wife would then have residual income coming in. Perfect. Amazing. Alright. So I'll look at just basically covering off the investment property, making sure that we're looking at the best premiums around and and cost effective in that nature. I'll look at life insurance only. So that way, we're just we're just looking after the missus and the kid. May I ask, do you have a son or a daughter? Oh, you've got the three of them. Beautiful. I have to ask because I'm I'm a mom of three. How did you find three? I found coming from I don't know. Three just created chaos. Beautiful chaos. Don't get me wrong, but it did create Yeah. Yeah. Yeah. No. I I get it. Yeah. No. Yeah. Definitely. It was well, yeah. By the time you had your youngest, you would have had, like, 15 and and 12 at that point. So so, yeah, you would have you would have had definite help. Oh, that's good. No. That's beautiful. I love that. 13 seven five. Okay. Still in the thick of it, but now I'm I'm, you know, going through that that beautiful turn of life called puberty. So, yes, very, very much. Just very lucky that my eldest is a is a boy, so it hasn't been too bad to be completely honest with you. Not so much looking forward to my daughter, but that's okay. Yeah. That's it. 100%. That's why I make my way home every night. Perfect. Now I did have one question to do with your occupation just because I have 70% office and 30% field. With the field work, are we actually out in the field, or we what are we doing with that? Yeah. Cool. Absolutely perfect. We don't touch a tool or anything like that? Absolutely. That is perfect. No. Absolutely. Amazing. Cool. So we're pretty much, like, all office work, a little bit of field work, but that's fine as long as we're not touching touching any tools. Whatever we do at home is fine. The other question I had, 20 with the same employer and government work where we have some decent long service leaves banked up annually as well? Yep. Alright. Cool. That's fine. Yeah. No. Perfect. That's absolutely fine. Cool. Amazing. Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go. I will start having a look into the superannuation, other, like, investment options we can look at. I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side. I just wanted to ask because 6% flat is pretty rare. Is it actually 6% flat on the investment property mortgage, or was that just a roundabout guess? That's okay. Can I who's your mortgage provider? We are lender lender. My state. Cool. That's fine. I will have a look at what their rates are sitting at and go from there. Perfect. That gives me everything that I need to kinda start running off and having a look. So I'll start putting everything together, and then when we speak next, I'll have what's called a statement of advice put together that basically outlines the advice that I have put together for you. Okay? Amazing. Thank you so much for your time today, David. I really appreciate it. Amazing. We'll speak soon. 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David. My name is Larissa from Oakview Financial. How are you going? Really good. Thank you.\n\nI'm the financial adviser with one of the financial advisers with the team, and I was just giving you a call following on from conversations you've had with my colleague Fabian. Have I got you at a good time? I know it was around 04:00. I know I'm a little bit early. Perfect.\n\nWell, before I jump into it, I do need to let you know our call is recorded, if that's okay. Fantastic. So the whole reason for, I guess, of of what I do is I work for my client. So every client I speak to is very different because any of the goals that you set out for your life differ to anyone else. Now I know that you've provided a lot of information to team already, but what I wanna do is, I guess, break it down and make sure that I am aware of where you sit, and I'm I'm making sure that everything is, you know, in line and and I'm getting it right.\n\nSo I know that at the moment, you're focusing on getting your mortgage paid off, and you sort of said that you're you're pretty open to advice to see on like, to see how you can sort of do it better or other ways that you can possibly look at how to reduce tax on things. I can see that you have investment property and a primary residence. The primary residence is completely paid off. Correct? Perfect.\n\nAnd then the investment property, can I ask when did we first purchase that property? Eight or nine years ago? No. That's okay. Cool.\n\nSo we've owned it for a while now. And have we done any major renovations to the property or any sort of anything to improve the property, you know, apart from, I guess, general maintenance? Yeah. Okay. So, like, sort of converting a granny converting it to, like, a granny flat to increase the the value of it.\n\nYeah. Alright. Perfect. And currently, our monthly repayments are about 2,500 or 2,500. Is that just the base minimum, or is that what you actually pay on it?\n\nPerfect. Okay. So oh, sorry. So about 3 and a half to 4 a month is what you're paying? Okay.\n\nCool. So we're we're going above what we need to. That's okay. Do we have like, are we paying that off the mortgage, or is there a redraw or a offset account on it? Okay.\n\nNo. That's okay. Cool. Alright. Good to know.\n\nThat's okay. And when we took the mortgage out, we were looking at a thirty year loan at the time. Yeah? And with it being rented out, what is our income that we're generating from the property at the moment? Gross $5.50 a week?\n\nWe have a real estate that's managing it? Yeah? Okay. Alright. So good base figures to be able to look at.\n\nNow that property is currently owned by, I would assume, both yourself and your wife? Yeah. And it's $50.50 ownership? Yeah. Okay.\n\nCool. We don't have a trust structure or anything like that. It's just personally owned? Amazing. Now with the property, we're obviously looking at at at expanding on it and doing some work to it.\n\nDo you know how much that work's gonna cost? Perfect. Okay. Yeah. No.\n\nThat's I know. Sometimes it blows out, and sometimes we can come in under. Now with that, how are we going to or how are we looking at getting the funds to be able to do that improvement? Is it are we looking to redraw or, like, you know, take from the equity? Redraw?\n\nOkay. Perfect. No. Okay. Cool.\n\nSo I just gonna take from the redraw and and and make those improvements. K. Perfect. So we have the tax law available to be able to do it. Once the renovation's done, I assume you'll be able to get a considerable amount more for the property?\n\nPerfect. So you're gonna increase on on how much you're generating as an income nearly by double, which is great. Now that'll basically put us up to a thousand dollars a week, which more than covers what we're what our minimum repayments are for the property, and we'll basically cover what you guys are paying off on the property from a, you know, from a higher repayment position. It does obviously mean that for both of you, that property is going to turn into something that is no longer it's definitely gonna be positively geared at that point. So it's going to become a bit of a tax issue for you.\n\nSo definitely something we can look at in respect to how we could possibly minimize or mitigate some of those taxes. Can I ask your wife, how much does she earn if you know? 50 to $60 a year? Okay. Just good to know in terms of what her income is because, obviously, if we're in different tax bracket, it'll affect us differently and something still as a unit we probably need to look at making sure that we're covering.\n\nNow outside of that, we have a two cars to caravan, and we have a little share portfolio that we've been dabbling with as well, which is great. And it is good. Hey. We gotta start somewhere dabbling. What platform have you been using?\n\nHave you just been using, like, your bank offered platform? Or perfect. No. That's okay. So it's roughly 800 AMP shares that you have.\n\nThat's fine. No. That's absolutely fine. I'm assuming we've had them for a while now. Did you get them through work or through previously banking with AMP?\n\nOr yeah. Yeah. Absolutely nothing wrong with that. No. That's okay.\n\nAre you happy to have them keep rolling on, or do you wanna look at doing something with that money? About a dollar 52. Yeah. No. That's fine.\n\nCool. Alright. Well, outside of that, I can see that we you wanna sort of look at getting your super to a position that's gonna benefit you. It's gonna obviously produce a a decent outcome and that we're looking at at age 70 retirement time frame. May I ask why we're looking at 70 to retire?\n\nI would be too. Well, if I'm wrong, you're 58 this year, so it's two years before we can access our super. Because from age 60, you're able to start accessing some of it. It also means that from age 60, there's some really cool tax saving strategies we can look at, which will be good, especially with that property increasing in value. So that'll be really good once we turn 60.\n\nWe can definitely start looking at strategizing from a tax perspective a little bit heavier just to be able to you know, always looking for ways we can pay less tax, but, obviously, in a way that's not going to minimize your income. Because I can see that you are very much using a lot of your income per week. We're saving about a $100 a week at the moment, which means that you're obviously relying on your income week to week, which is good. But, you know, you obviously have the mortgage that you need to pay off. So that's definitely why that's that's obviously a a need to keep that income going.\n\nNow you have said that you're wanting to about $1,500 per week to live on when you retire. Can I ask where that figures come from? Fantastic. That's okay. Happens a lot, to be completely honest.\n\nAnd then I start breaking down the numbers and people go, oh, maybe not. The reason I ask that is ultimately, when I look at your income being a $125,000, that equates to about 94,200 per annum net after you pay your taxes, which breaks down to about 1,800 dollars a week is what you would get in your pocket. There's some change, but 18 $100. That means to me, based on the fact that you're saving a $100 a week, that you are currently living on $1,700 a week. Granted, you do have a mortgage that you are currently paying for, and that is where a lot of the money is going into.\n\nSo that obviously does account for a bit of your current need. If I remove that, because obviously, we wanna have that mortgage paid off, then that gives me probably a a better indication as to what your actual income need is. I have to do the math a little bit more to figure out what you're putting into the mortgage because you're currently putting $5.50 and 52 divided by 12 gives you $23.30 $23.83 from rental income. You'll be paying every bit of couple $100 in fees to your real estate. So let's just call it 2,000 flat from there.\n\nAnd you said that you were currently paying $4 to your mortgage, which means that you're currently putting you're currently putting you're you're currently putting 2 and a half thousand dollars into your mortgage each month. So 2 and a half thousand dollars into your mortgage each Yes. Sorry. I am definitely here. You're totally I am Yep.\n\nYou said the minimum repayments are 2 and a half thousand, and then you're paying 4,000 a month. Apologies. So the minimum is 3 and a half. Okay. Sorry.\n\nThere's where my numbers are wrong. Okay. So the minimum is 3 and a half. Your renters are basically covering two of that, so you're currently putting an extra at a minimum, putting an extra 1,500 in to make that repayment. So if you didn't have like, if you're if you didn't have the mortgage anymore, you would be able to get rid of $1,500 out of your your overall need per month, which would realistically mean that you need $2 a month, which equates down to about $500 a week, which is very, very cool.\n\nYeah. So, I mean, there you go. So it's even less than what we thought in terms of the need, but that's not really leaving much for you to travel or do anything in your retirement if that's something that you're wanting to do. A week. Week.\n\nWeek. Week. Week. Yep. That's already gonna pull a thousand.\n\nYep. You're gonna be quite comfortable. Yeah. Don't be wrong. It's my it's my rough paper math while I'm talking and thinking and not while I'm just thinking with numbers.\n\nBut, yeah, it seems to be pretty kosher, to be honest. So Yeah. Good. That's without me factoring in your wife's income and what she currently brings and the needs there and, you know, that side of things. But you are obviously earning a bit more than what she is.\n\nYou said you were she was sort of around that $60 a month $60 mark. So, you know, your income is basically double that. So, yeah, whatever she's bringing in would obviously need to be factored in a little bit. But, yeah, it means that that property, you know, we just need to look at getting that paid off so that way we can have that working. Cool.\n\nPerfect. Well, I'm gonna sit with the numbers a little bit, obviously, have a look at what that looks like. I'll obviously actually factor in some decent, you know, saving and putting away for the rental costs and what that looks like from a realistic point of view. We have real estate fees and stuff like that. I just I I ballpark it.\n\nI pay I napkin math it. Yep. Yeah. So I'll actually sit down and have a look at the numbers properly and go from there. But aside from that, with regards to, I guess, the other goals you had, I know you wanted to do some traveling and you just want to be comfortable, which we've obviously sort of worked out that we could possibly be pretty well on track to do because of that rental property, but we need to still be realistic about making sure we put money away to deal with any problems that properties come with.\n\nAnd then aside from that, I know that you were pretty open to looking at your insurance stuff as well. Now currently, you're with Bryte Super, and you currently have a life insurance only policy. This is no insurance on protecting you from a disability point of view. Are you wanting to look at all covers? Are you wanting to look at disability cover?\n\nOr are you comfortable to just look at, like, life insurance from a stand alone point of view? I guess, to explain it. Yeah. Sorry. Yeah.\n\nLet let me you know. Yeah. Correct. And sometimes it it is that, you know, it's the just in case. It's the it's insurance is risk mitigation.\n\nThat's all it is. The same reason we have house insurance and car insurance because it's it's the just in case we end up running up the back of the Lamborghini that's worth half $1,000,000 or the $2,000,000 house. Realistically, if anything happened to you right now, your wife could theoretically liquidate the investment property. She has a fully paid off mortgage. She's gonna walk away with your superannuation funds, and her lifestyle will not be what you guys were set out to do, but it's possibly manageable ish.\n\nShe's not gonna get a great deal from the property sale, but she'll probably walk away with a decent $150,000 after all the sales stuff. Yeah. Close to 200,000. After all the sales stuff goes through, the mortgage is paid off and everything like that, plus your superannuation fund. So let's just call it 400,000 e let's just call it 400,000.\n\nI know it's a little bit less. So that 6 $100,000 she'll walk away with, plus currently, you have $317,000 with a life insurance policy. So all in all, she's walking away with just over $900,000 when you look at all of it. She's gonna live quite happily, especially if she's in and around the same age as you are and she's, you know, looking at 60 a couple years. So, realistically, what that means is that maybe she will just knock you off in your no.\n\nI'm kidding. I'm kidding. She could. No. So, I mean, what that means is that she is gonna be quite probably comfortable with that amount.\n\nBut you're right. You're currently paying a million thousand dollars for 317,000 in insurance. So, you know, premium paid versus benefit received is pretty comparable. But could we do better? Do we really need that much?\n\nDo we wanna protect you if you're never able to work again? Being that you're, you know, two years and two months away from turning 60, is that something we need to focus on? Is that something that you're concerned about, getting ill or injured and never working again? These are all questions that are stuff that you definitely need to answer. I can then investigate, but it's something you need to be comfortable with either taking on the risk or paying for the insurance.\n\nYeah. You're pretty sedentary. No. Yeah. Perfect.\n\nAnd yeah. You kind of said bad back or have you out of work forever. Cool. Well, do you do you want me to look at lower amounts of life insurance? Because realistically speaking, I think if we just cover the mortgage on that investment property so, like, the you have nearly 400,000 in your super fund.\n\nIf I look at, say, a 100 to $150,000 worth of life insurance, which with those two benefits combined will more than adequately pay off the the investment property, it means that your wife would then have residual income coming in. Perfect. Amazing. Alright. So I'll look at just basically covering off the investment property, making sure that we're looking at the best premiums around and and cost effective in that nature.\n\nI'll look at life insurance only. So that way, we're just we're just looking after the missus and the kid. May I ask, do you have a son or a daughter? Oh, you've got the three of them. Beautiful.\n\nI have to ask because I'm I'm a mom of three. How did you find three? I found coming from I don't know. Three just created chaos. Beautiful chaos.\n\nDon't get me wrong, but it did create Yeah. Yeah. Yeah. No. I I get it.\n\nYeah. No. Yeah. Definitely. It was well, yeah.\n\nBy the time you had your youngest, you would have had, like, 15 and and 12 at that point. So so, yeah, you would have you would have had definite help. Oh, that's good. No. That's beautiful.\n\nI love that. 13 seven five. Okay. Still in the thick of it, but now I'm I'm, you know, going through that that beautiful turn of life called puberty. So, yes, very, very much.\n\nJust very lucky that my eldest is a is a boy, so it hasn't been too bad to be completely honest with you. Not so much looking forward to my daughter, but that's okay. Yeah. That's it. 100%.\n\nThat's why I make my way home every night. Perfect. Now I did have one question to do with your occupation just because I have 70% office and 30% field. With the field work, are we actually out in the field, or we what are we doing with that? Yeah.\n\nCool. Absolutely perfect. We don't touch a tool or anything like that? Absolutely. That is perfect.\n\nNo. Absolutely. Amazing. Cool. So we're pretty much, like, all office work, a little bit of field work, but that's fine as long as we're not touching touching any tools.\n\nWhatever we do at home is fine. The other question I had, 20 with the same employer and government work where we have some decent long service leaves banked up annually as well? Yep. Alright. Cool.\n\nThat's fine. Yeah. No. Perfect. That's absolutely fine.\n\nCool. Amazing. Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go. I will start having a look into the superannuation, other, like, investment options we can look at. I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side.\n\nI just wanted to ask because 6% flat is pretty rare. Is it actually 6% flat on the investment property mortgage, or was that just a roundabout guess? That's okay. Can I who's your mortgage provider? We are lender lender.\n\nMy state. Cool. That's fine. I will have a look at what their rates are sitting at and go from there. Perfect.\n\nThat gives me everything that I need to kinda start running off and having a look. So I'll start putting everything together, and then when we speak next, I'll have what's called a statement of advice put together that basically outlines the advice that I have put together for you. Okay? Amazing. Thank you so much for your time today, David.\n\nI really appreciate it. Amazing. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, David.","start":4.08,"end":5.12,"sentiment":"neutral","sentiment_score":0.10671686753630638},{"text":"My name is Larissa from Oakview Financial.","start":5.12,"end":6.96,"sentiment":"neutral","sentiment_score":0.1066530208502497},{"text":"How are you going?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.15052364394068718},{"text":"Really good.","start":9.92,"end":10.719999,"sentiment":"positive","sentiment_score":0.734666258096695},{"text":"Thank you.","start":10.719999,"end":11.46,"sentiment":"positive","sentiment_score":0.7256172895431519}],"sentiment":"neutral","sentiment_score":0.26368626776863546,"num_words":17,"start":4.08,"end":11.46},{"sentences":[{"text":"I'm the financial adviser with one of the financial advisers with the team, and I was just giving you a call following on from conversations you've had with my colleague Fabian.","start":11.759999,"end":20.814999,"sentiment":"neutral","sentiment_score":0.15595532473056548},{"text":"Have I got you at a good time?","start":21.435,"end":22.955,"sentiment":"neutral","sentiment_score":0.09581104386597872},{"text":"I know it was around 04:00.","start":22.955,"end":24.314999,"sentiment":"neutral","sentiment_score":0.009020951266090075},{"text":"I know I'm a little bit early.","start":24.314999,"end":25.615,"sentiment":"neutral","sentiment_score":-0.006390519041035857},{"text":"Perfect.","start":28.46,"end":28.96,"sentiment":"neutral","sentiment_score":0.21215710043907168}],"sentiment":"neutral","sentiment_score":0.1098613696664853,"num_words":53,"start":11.759999,"end":28.96},{"sentences":[{"text":"Well, before I jump into it, I do need to let you know our call is recorded, if that's okay.","start":29.259998,"end":32.8,"sentiment":"neutral","sentiment_score":0.013200352434068918},{"text":"Fantastic.","start":35.02,"end":35.52,"sentiment":"positive","sentiment_score":0.6337182521820068},{"text":"So the whole reason for, I guess, of of what I do is I work for my client.","start":37.1,"end":43.715,"sentiment":"neutral","sentiment_score":0.21583942158354652},{"text":"So every client I speak to is very different because any of the goals that you set out for your life differ to anyone else.","start":43.715,"end":52.135,"sentiment":"neutral","sentiment_score":0.06609313502907753},{"text":"Now I know that you've provided a lot of information to team already, but what I wanna do is, I guess, break it down and make sure that I am aware of where you sit, and I'm I'm making sure that everything is, you know, in line and and I'm getting it right.","start":52.995,"end":68.79,"sentiment":"neutral","sentiment_score":0.14833336070461092}],"sentiment":"neutral","sentiment_score":0.12219514002084222,"num_words":117,"start":29.259998,"end":68.79},{"sentences":[{"text":"So I know that at the moment, you're focusing on getting your mortgage paid off, and you sort of said that you're you're pretty open to advice to see on like, to see how you can sort of do it better or other ways that you can possibly look at how to reduce tax on things.","start":69.25,"end":85.35,"sentiment":"neutral","sentiment_score":0.03117547870247758},{"text":"I can see that you have investment property and a primary residence.","start":85.59,"end":90.39,"sentiment":"neutral","sentiment_score":0.047586976240078606},{"text":"The primary residence is completely paid off.","start":90.39,"end":93.67,"sentiment":"neutral","sentiment_score":0.049569234784160345},{"text":"Correct?","start":93.67,"end":94.17,"sentiment":"neutral","sentiment_score":0.051852576434612274},{"text":"Perfect.","start":95.99,"end":96.49,"sentiment":"neutral","sentiment_score":0.22334112226963043}],"sentiment":"neutral","sentiment_score":0.03816946577159809,"num_words":77,"start":69.25,"end":96.49},{"sentences":[{"text":"And then the investment property, can I ask when did we first purchase that property?","start":96.79,"end":100.81,"sentiment":"neutral","sentiment_score":0.019276574626564978},{"text":"Eight or nine years ago?","start":104.895,"end":105.855,"sentiment":"neutral","sentiment_score":-0.04609696418046951},{"text":"No.","start":105.855,"end":106.015,"sentiment":"neutral","sentiment_score":-0.08724519610404968},{"text":"That's okay.","start":106.015,"end":106.495,"sentiment":"neutral","sentiment_score":-0.007484957575798035},{"text":"Cool.","start":106.495,"end":106.735,"sentiment":"neutral","sentiment_score":0.12940742075443268}],"sentiment":"neutral","sentiment_score":0.003577337833121419,"num_words":24,"start":96.79,"end":106.735},{"sentences":[{"text":"So we've owned it for a while now.","start":106.735,"end":108.675,"sentiment":"neutral","sentiment_score":0.1169540649279952},{"text":"And have we done any major renovations to the property or any sort of anything to improve the property, you know, apart from, I guess, general maintenance?","start":110.335,"end":120.11,"sentiment":"neutral","sentiment_score":0.012046308015231733},{"text":"Yeah.","start":128.01001,"end":128.51001,"sentiment":"neutral","sentiment_score":0.0976329743862152},{"text":"Okay.","start":141.54001,"end":141.86,"sentiment":"neutral","sentiment_score":0.058005280792713165},{"text":"So, like, sort of converting a granny converting it to, like, a granny flat to increase the the value of it.","start":141.86,"end":148.58,"sentiment":"neutral","sentiment_score":0.08635874199015754}],"sentiment":"neutral","sentiment_score":0.05569059780702509,"num_words":58,"start":106.735,"end":148.58},{"sentences":[{"text":"Yeah.","start":148.58,"end":148.9,"sentiment":"neutral","sentiment_score":0.11490105092525482},{"text":"Alright.","start":148.9,"end":149.22,"sentiment":"neutral","sentiment_score":0.26120251417160034},{"text":"Perfect.","start":149.22,"end":149.72,"sentiment":"positive","sentiment_score":0.5256824493408203},{"text":"And currently, our monthly repayments are about 2,500 or 2,500.","start":151.3,"end":155.72,"sentiment":"neutral","sentiment_score":0.09837187528610229},{"text":"Is that just the base minimum, or is that what you actually pay on it?","start":156.345,"end":159.725,"sentiment":"neutral","sentiment_score":0.039409914364417396}],"sentiment":"neutral","sentiment_score":0.08845191009874855,"num_words":28,"start":148.58,"end":159.725},{"sentences":[{"text":"Perfect.","start":162.985,"end":163.485,"sentiment":"neutral","sentiment_score":0.14753249287605286},{"text":"Okay.","start":168.36,"end":168.6,"sentiment":"neutral","sentiment_score":0.030071474611759182},{"text":"So oh, sorry.","start":168.6,"end":169.56,"sentiment":"neutral","sentiment_score":0.02226278589417537},{"text":"So about 3 and a half to 4 a month is what you're paying?","start":169.56,"end":175.02,"sentiment":"neutral","sentiment_score":0.015797729936561415},{"text":"Okay.","start":176.76001,"end":177.08,"sentiment":"neutral","sentiment_score":0.13400781154632568}],"sentiment":"neutral","sentiment_score":0.029978417791426182,"num_words":20,"start":162.985,"end":177.08},{"sentences":[{"text":"Cool.","start":177.08,"end":177.32,"sentiment":"neutral","sentiment_score":0.23349274694919583},{"text":"So we're we're going above what we need to.","start":177.32,"end":179.32,"sentiment":"neutral","sentiment_score":0.20705382525920868},{"text":"That's okay.","start":179.32,"end":180.06,"sentiment":"neutral","sentiment_score":0.13714658468961716},{"text":"Do we have like, are we paying that off the mortgage, or is there a redraw or a offset account on it?","start":180.36,"end":185.745,"sentiment":"neutral","sentiment_score":-0.011929151559756561},{"text":"Okay.","start":190.92499,"end":191.165,"sentiment":"neutral","sentiment_score":-5.550682544708252e-7}],"sentiment":"neutral","sentiment_score":0.0602522415508117,"num_words":35,"start":177.08,"end":191.165},{"sentences":[{"text":"No.","start":191.165,"end":191.325,"sentiment":"neutral","sentiment_score":-0.030740154907107353},{"text":"That's okay.","start":191.325,"end":191.885,"sentiment":"neutral","sentiment_score":0.052937258034944534},{"text":"Cool.","start":191.885,"end":192.125,"sentiment":"neutral","sentiment_score":0.26007744669914246},{"text":"Alright.","start":192.125,"end":192.525,"sentiment":"neutral","sentiment_score":0.2215728461742401},{"text":"Good to know.","start":192.525,"end":193.08499,"sentiment":"positive","sentiment_score":0.3884643117586772}],"sentiment":"neutral","sentiment_score":0.21527219866402447,"num_words":8,"start":191.165,"end":193.08499},{"sentences":[{"text":"That's okay.","start":193.08499,"end":193.825,"sentiment":"neutral","sentiment_score":0.23112119734287262},{"text":"And when we took the mortgage out, we were looking at a thirty year loan at the time.","start":195.45999,"end":200.84,"sentiment":"neutral","sentiment_score":0.024132470082905557},{"text":"Yeah?","start":202.73999,"end":203.23999,"sentiment":"neutral","sentiment_score":0.021321676671504974},{"text":"And with it being rented out, what is our income that we're generating from the property at the moment?","start":203.3,"end":210.36,"sentiment":"neutral","sentiment_score":0.03349677767408522},{"text":"Gross $5.50 a week?","start":215.075,"end":216.275,"sentiment":"neutral","sentiment_score":0.007733105681836605}],"sentiment":"neutral","sentiment_score":0.036029993895102634,"num_words":44,"start":193.08499,"end":216.275},{"sentences":[{"text":"We have a real estate that's managing it?","start":216.275,"end":218.215,"sentiment":"neutral","sentiment_score":0.0022870764369145036},{"text":"Yeah?","start":220.035,"end":220.355,"sentiment":"neutral","sentiment_score":0.02039557322859764},{"text":"Okay.","start":220.355,"end":220.855,"sentiment":"neutral","sentiment_score":0.04784682020545006},{"text":"Alright.","start":221.955,"end":222.435,"sentiment":"neutral","sentiment_score":0.09427125751972198},{"text":"So good base figures to be able to look at.","start":222.435,"end":225.61,"sentiment":"neutral","sentiment_score":0.17267706394195556}],"sentiment":"neutral","sentiment_score":0.09083718580326863,"num_words":21,"start":216.275,"end":225.61},{"sentences":[{"text":"Now that property is currently owned by, I would assume, both yourself and your wife?","start":225.61,"end":230.75,"sentiment":"neutral","sentiment_score":0.042607292408744495},{"text":"Yeah.","start":232.33,"end":232.73001,"sentiment":"neutral","sentiment_score":0.03286214917898178},{"text":"And it's $50.50 ownership?","start":232.73001,"end":234.75,"sentiment":"neutral","sentiment_score":0.027006127405911684},{"text":"Yeah.","start":235.69,"end":236.09,"sentiment":"neutral","sentiment_score":0.042684491723775864},{"text":"Okay.","start":236.09,"end":236.41,"sentiment":"neutral","sentiment_score":0.08746325224637985}],"sentiment":"neutral","sentiment_score":0.04137017222290689,"num_words":22,"start":225.61,"end":236.41},{"sentences":[{"text":"Cool.","start":236.41,"end":236.91,"sentiment":"neutral","sentiment_score":0.12890693545341492},{"text":"We don't have a trust structure or anything like that.","start":237.335,"end":239.175,"sentiment":"neutral","sentiment_score":-0.0840584583580494},{"text":"It's just personally owned?","start":239.175,"end":240.555,"sentiment":"neutral","sentiment_score":0.006635298952460288},{"text":"Amazing.","start":241.895,"end":242.395,"sentiment":"neutral","sentiment_score":0.043786074966192245},{"text":"Now with the property, we're obviously looking at at at expanding on it and doing some work to it.","start":242.935,"end":249.275,"sentiment":"neutral","sentiment_score":0.05083917708773362}],"sentiment":"neutral","sentiment_score":0.009274113923311234,"num_words":35,"start":236.41,"end":249.275},{"sentences":[{"text":"Do you know how much that work's gonna cost?","start":249.815,"end":252.155,"sentiment":"neutral","sentiment_score":0.02062601565072934},{"text":"Perfect.","start":259.59,"end":260.09,"sentiment":"neutral","sentiment_score":0.08409883081912994},{"text":"Okay.","start":260.23,"end":260.73,"sentiment":"neutral","sentiment_score":-0.20797044038772583},{"text":"Yeah.","start":261.83002,"end":261.99,"sentiment":"neutral","sentiment_score":-0.09600738435983658},{"text":"No.","start":261.99,"end":262.15,"sentiment":"neutral","sentiment_score":-0.12134011089801788}],"sentiment":"neutral","sentiment_score":-0.011968074151529716,"num_words":13,"start":249.815,"end":262.15},{"sentences":[{"text":"That's I know.","start":262.15,"end":263.03,"sentiment":"neutral","sentiment_score":-0.09778819233179092},{"text":"Sometimes it blows out, and sometimes we can come in under.","start":263.03,"end":265.69,"sentiment":"neutral","sentiment_score":-0.13783366165377878},{"text":"Now with that, how are we going to or how are we looking at getting the funds to be able to do that improvement?","start":268.785,"end":277.04498,"sentiment":"neutral","sentiment_score":0.1044041997132202},{"text":"Is it are we looking to redraw or, like, you know, take from the equity?","start":277.185,"end":281.78,"sentiment":"neutral","sentiment_score":-0.0026023386356731257},{"text":"Redraw?","start":282.4,"end":282.8,"sentiment":"neutral","sentiment_score":0.002082725055515766}],"sentiment":"neutral","sentiment_score":0.012207658952791934,"num_words":54,"start":262.15,"end":282.8},{"sentences":[{"text":"Okay.","start":282.8,"end":283.3,"sentiment":"neutral","sentiment_score":0.015483382157981396},{"text":"Perfect.","start":289.44,"end":289.94,"sentiment":"neutral","sentiment_score":0.2429632544517517},{"text":"No.","start":290.08,"end":290.4,"sentiment":"neutral","sentiment_score":0.05857565253973007},{"text":"Okay.","start":290.4,"end":290.63998,"sentiment":"neutral","sentiment_score":0.099040687084198},{"text":"Cool.","start":290.63998,"end":290.96,"sentiment":"neutral","sentiment_score":0.15733292698860168}],"sentiment":"neutral","sentiment_score":0.11467918064445257,"num_words":5,"start":282.8,"end":290.96},{"sentences":[{"text":"So I just gonna take from the redraw and and and make those improvements.","start":290.96,"end":295.62,"sentiment":"neutral","sentiment_score":0.09734861286623138},{"text":"K.","start":296.925,"end":297.165,"sentiment":"neutral","sentiment_score":0.13111335039138794},{"text":"Perfect.","start":297.165,"end":297.565,"sentiment":"positive","sentiment_score":0.3556179404258728},{"text":"So we have the tax law available to be able to do it.","start":297.565,"end":300.305,"sentiment":"neutral","sentiment_score":0.20712223878273597},{"text":"Once the renovation's done, I assume you'll be able to get a considerable amount more for the property?","start":300.685,"end":306.305,"sentiment":"neutral","sentiment_score":0.19657562176386514}],"sentiment":"neutral","sentiment_score":0.17192685461424767,"num_words":47,"start":290.96,"end":306.305},{"sentences":[{"text":"Perfect.","start":323.995,"end":324.395,"sentiment":"neutral","sentiment_score":0.32856494188308716},{"text":"So you're gonna increase on on how much you're generating as an income nearly by double, which is great.","start":324.395,"end":332.335,"sentiment":"positive","sentiment_score":0.37831496878674153},{"text":"Now that'll basically put us up to a thousand dollars a week, which more than covers what we're what our minimum repayments are for the property, and we'll basically cover what you guys are paying off on the property from a, you know, from a higher repayment position.","start":335.53998,"end":354.35498,"sentiment":"positive","sentiment_score":0.3860445022583008},{"text":"It does obviously mean that for both of you, that property is going to turn into something that is no longer it's definitely gonna be positively geared at that point.","start":354.895,"end":365.63998,"sentiment":"neutral","sentiment_score":0.32195080717404684},{"text":"So it's going to become a bit of a tax issue for you.","start":366.26,"end":370.28,"sentiment":"neutral","sentiment_score":0.027106093386044867}],"sentiment":"neutral","sentiment_score":0.32484314312134777,"num_words":111,"start":323.995,"end":370.28},{"sentences":[{"text":"So definitely something we can look at in respect to how we could possibly minimize or mitigate some of those taxes.","start":370.74,"end":377.8,"sentiment":"neutral","sentiment_score":0.15822329230251767},{"text":"Can I ask your wife, how much does she earn if you know?","start":379.225,"end":383.64502,"sentiment":"neutral","sentiment_score":0.016296841419087008},{"text":"50 to $60 a year?","start":387.945,"end":389.225,"sentiment":"neutral","sentiment_score":0.01359257735311985},{"text":"Okay.","start":389.225,"end":389.545,"sentiment":"neutral","sentiment_score":0.1082848459482193},{"text":"Just good to know in terms of what her income is because, obviously, if we're in different tax bracket, it'll affect us differently and something still as a unit we probably need to look at making sure that we're covering.","start":389.545,"end":400.21,"sentiment":"neutral","sentiment_score":0.16856044828891753}],"sentiment":"neutral","sentiment_score":0.13066517176339404,"num_words":80,"start":370.74,"end":400.21},{"sentences":[{"text":"Now outside of that, we have a two cars to caravan, and we have a little share portfolio that we've been dabbling with as well, which is great.","start":400.83002,"end":407.97,"sentiment":"positive","sentiment_score":0.3581222577818802},{"text":"And it is good.","start":414.48502,"end":415.525,"sentiment":"positive","sentiment_score":0.6256187856197357},{"text":"Hey.","start":415.525,"end":415.92502,"sentiment":"neutral","sentiment_score":0.09454122185707092},{"text":"We gotta start somewhere dabbling.","start":415.92502,"end":417.625,"sentiment":"neutral","sentiment_score":0.07759283110499382},{"text":"What platform have you been using?","start":419.125,"end":420.64502,"sentiment":"neutral","sentiment_score":0.015486315824091434}],"sentiment":"neutral","sentiment_score":0.2978482189249586,"num_words":44,"start":400.83002,"end":420.64502},{"sentences":[{"text":"Have you just been using, like, your bank offered platform?","start":420.64502,"end":425.87003,"sentiment":"neutral","sentiment_score":0.018362252879887818},{"text":"Or perfect.","start":429.05002,"end":433.63,"sentiment":"neutral","sentiment_score":0.21238626167178154},{"text":"No.","start":437.785,"end":437.945,"sentiment":"neutral","sentiment_score":-0.038195379078388214},{"text":"That's okay.","start":437.945,"end":438.585,"sentiment":"neutral","sentiment_score":0.0074555529281497},{"text":"So it's roughly 800 AMP shares that you have.","start":438.585,"end":441.885,"sentiment":"neutral","sentiment_score":0.04001494083139631}],"sentiment":"neutral","sentiment_score":0.03938521860012164,"num_words":24,"start":420.64502,"end":441.885},{"sentences":[{"text":"That's fine.","start":442.345,"end":443.565,"sentiment":"neutral","sentiment_score":0.09010186791419983},{"text":"No.","start":444.745,"end":445.065,"sentiment":"neutral","sentiment_score":-0.056684594601392746},{"text":"That's absolutely fine.","start":445.065,"end":446.345,"sentiment":"neutral","sentiment_score":0.028297631690899532},{"text":"I'm assuming we've had them for a while now.","start":446.345,"end":448.445,"sentiment":"neutral","sentiment_score":-0.0036044538848929936},{"text":"Did you get them through work or through previously banking with AMP?","start":452.86,"end":457.6,"sentiment":"neutral","sentiment_score":-0.008651109101871649}],"sentiment":"neutral","sentiment_score":0.0026725423004892138,"num_words":27,"start":442.345,"end":457.6},{"sentences":[{"text":"Or yeah.","start":457.66,"end":464.89502,"sentiment":"neutral","sentiment_score":-0.018262000754475594},{"text":"Yeah.","start":469.195,"end":469.695,"sentiment":"neutral","sentiment_score":0.08850434422492981},{"text":"Absolutely nothing wrong with that.","start":471.355,"end":473.27502,"sentiment":"neutral","sentiment_score":0.10109329819679261},{"text":"No.","start":473.27502,"end":473.435,"sentiment":"neutral","sentiment_score":-0.1031232923269272},{"text":"That's okay.","start":473.435,"end":474.255,"sentiment":"neutral","sentiment_score":0.004040492698550224}],"sentiment":"neutral","sentiment_score":0.04203677516091953,"num_words":11,"start":457.66,"end":474.255},{"sentences":[{"text":"Are you happy to have them keep rolling on, or do you wanna look at doing something with that money?","start":474.34998,"end":478.93,"sentiment":"neutral","sentiment_score":0.022717820294201375},{"text":"About a dollar 52.","start":488.845,"end":490.225,"sentiment":"neutral","sentiment_score":-0.04667634703218937},{"text":"Yeah.","start":493.325,"end":493.825,"sentiment":"neutral","sentiment_score":-0.14643575251102448},{"text":"No.","start":495.885,"end":496.385,"sentiment":"neutral","sentiment_score":-0.12323633581399918},{"text":"That's fine.","start":498.53998,"end":499.28,"sentiment":"positive","sentiment_score":0.3743716776371002}],"sentiment":"neutral","sentiment_score":0.026668653025158813,"num_words":28,"start":474.34998,"end":499.28},{"sentences":[{"text":"Cool.","start":499.34,"end":499.84,"sentiment":"positive","sentiment_score":0.4884940683841706},{"text":"Alright.","start":500.37997,"end":500.86,"sentiment":"neutral","sentiment_score":0.2327689379453659},{"text":"Well, outside of that, I can see that we you wanna sort of look at getting your super to a position that's gonna benefit you.","start":500.86,"end":512.005,"sentiment":"neutral","sentiment_score":0.30370307683944703},{"text":"It's gonna obviously produce a a decent outcome and that we're looking at at age 70 retirement time frame.","start":512.005,"end":518.905,"sentiment":"positive","sentiment_score":0.44145242164009496},{"text":"May I ask why we're looking at 70 to retire?","start":519.28503,"end":522.185,"sentiment":"neutral","sentiment_score":0.043664034083485605}],"sentiment":"neutral","sentiment_score":0.30603707641629235,"num_words":56,"start":499.34,"end":522.185},{"sentences":[{"text":"I would be too.","start":533.7,"end":534.84,"sentiment":"neutral","sentiment_score":0.009570232592523098},{"text":"Well, if I'm wrong, you're 58 this year, so it's two years before we can access our super.","start":535.62,"end":544.685,"sentiment":"neutral","sentiment_score":-0.015573057966927687},{"text":"Because from age 60, you're able to start accessing some of it.","start":545.78503,"end":549.15,"sentiment":"neutral","sentiment_score":0.22159351781010628},{"text":"It also means that from age 60, there's some really cool tax saving strategies we can look at, which will be good, especially with that property increasing in value.","start":549.23004,"end":564.60504,"sentiment":"neutral","sentiment_score":0.20243254406698818},{"text":"So that'll be really good once we turn 60.","start":565.945,"end":567.78503,"sentiment":"neutral","sentiment_score":0.31419870422946083}],"sentiment":"neutral","sentiment_score":0.1543808363429788,"num_words":72,"start":533.7,"end":567.78503},{"sentences":[{"text":"We can definitely start looking at strategizing from a tax perspective a little bit heavier just to be able to you know, always looking for ways we can pay less tax, but, obviously, in a way that's not going to minimize your income.","start":567.78503,"end":580.64996,"sentiment":"neutral","sentiment_score":0.09956484088717504},{"text":"Because I can see that you are very much using a lot of your income per week.","start":580.64996,"end":584.91,"sentiment":"neutral","sentiment_score":0.16837017325793996},{"text":"We're saving about a $100 a week at the moment, which means that you're obviously relying on your income week to week, which is good.","start":585.29,"end":592.50995,"sentiment":"neutral","sentiment_score":0.24023000180721282},{"text":"But, you know, you obviously have the mortgage that you need to pay off.","start":594.08496,"end":596.32495,"sentiment":"neutral","sentiment_score":0.04593290761113167},{"text":"So that's definitely why that's that's obviously a a need to keep that income going.","start":596.32495,"end":602.665,"sentiment":"neutral","sentiment_score":0.10643963714440664}],"sentiment":"neutral","sentiment_score":0.13499110888101554,"num_words":114,"start":567.78503,"end":602.665},{"sentences":[{"text":"Now you have said that you're wanting to about $1,500 per week to live on when you retire.","start":603.20496,"end":609.54,"sentiment":"neutral","sentiment_score":0.0547025783194436},{"text":"Can I ask where that figures come from?","start":610.07996,"end":612.98,"sentiment":"neutral","sentiment_score":0.012480689212679863},{"text":"Fantastic.","start":616.39996,"end":616.89996,"sentiment":"positive","sentiment_score":0.5651475191116333},{"text":"That's okay.","start":616.95996,"end":617.7,"sentiment":"positive","sentiment_score":0.3472941219806671},{"text":"Happens a lot, to be completely honest.","start":618.24,"end":619.83997,"sentiment":"neutral","sentiment_score":0.1445042895419257}],"sentiment":"neutral","sentiment_score":0.09321549203660753,"num_words":36,"start":603.20496,"end":619.83997},{"sentences":[{"text":"And then I start breaking down the numbers and people go, oh, maybe not.","start":619.83997,"end":622.875,"sentiment":"neutral","sentiment_score":0.05529455388230937},{"text":"The reason I ask that is ultimately, when I look at your income being a $125,000, that equates to about 94,200 per annum net after you pay your taxes, which breaks down to about 1,800 dollars a week is what you would get in your pocket.","start":624.475,"end":638.85,"sentiment":"neutral","sentiment_score":0.11362736275338609},{"text":"There's some change, but 18 $100.","start":638.85,"end":641.43,"sentiment":"neutral","sentiment_score":0.08080171421170235},{"text":"That means to me, based on the fact that you're saving a $100 a week, that you are currently living on $1,700 a week.","start":642.20996,"end":649.82996,"sentiment":"neutral","sentiment_score":0.1512112319469452},{"text":"Granted, you do have a mortgage that you are currently paying for, and that is where a lot of the money is going into.","start":650.29,"end":656.405,"sentiment":"neutral","sentiment_score":0.046251654935379825}],"sentiment":"neutral","sentiment_score":0.09846405273205355,"num_words":114,"start":619.83997,"end":656.405},{"sentences":[{"text":"So that obviously does account for a bit of your current need.","start":656.78503,"end":660.565,"sentiment":"neutral","sentiment_score":0.2694503342111905},{"text":"If I remove that, because obviously, we wanna have that mortgage paid off, then that gives me probably a a better indication as to what your actual income need is.","start":660.625,"end":670.48,"sentiment":"neutral","sentiment_score":0.01855105155458053},{"text":"I have to do the math a little bit more to figure out what you're putting into the mortgage because you're currently putting $5.50 and 52 divided by 12 gives you $23.30 $23.83 from rental income.","start":673.66003,"end":690.695,"sentiment":"neutral","sentiment_score":0.03957121560557021},{"text":"You'll be paying every bit of couple $100 in fees to your real estate.","start":691.075,"end":697.77997,"sentiment":"neutral","sentiment_score":0.062495950875537734},{"text":"So let's just call it 2,000 flat from there.","start":697.77997,"end":700.74,"sentiment":"neutral","sentiment_score":0.08826571537388696}],"sentiment":"neutral","sentiment_score":0.06815677296628456,"num_words":101,"start":656.78503,"end":700.74},{"sentences":[{"text":"And you said that you were currently paying $4 to your mortgage, which means that you're currently putting you're currently putting you're you're currently putting 2 and a half thousand dollars into your mortgage each month.","start":700.74,"end":713.485,"sentiment":"neutral","sentiment_score":0.01452412616668476},{"text":"So 2 and a half thousand dollars into your mortgage each Yes.","start":715.14496,"end":726.36,"sentiment":"neutral","sentiment_score":0.036666929411391415},{"text":"Sorry.","start":726.36,"end":726.86,"sentiment":"neutral","sentiment_score":-0.0037228576838970184},{"text":"I am definitely here.","start":726.92,"end":728.27997,"sentiment":"neutral","sentiment_score":0.04417443461716175},{"text":"You're totally I am Yep.","start":728.27997,"end":738.375,"sentiment":"neutral","sentiment_score":0.06695887446403503}],"sentiment":"neutral","sentiment_score":0.025355878414521957,"num_words":58,"start":700.74,"end":738.375},{"sentences":[{"text":"You said the minimum repayments are 2 and a half thousand, and then you're paying 4,000 a month.","start":738.375,"end":743.115,"sentiment":"neutral","sentiment_score":-0.012865843665268686},{"text":"Apologies.","start":748.23,"end":748.73,"sentiment":"neutral","sentiment_score":-0.11835873126983644},{"text":"So the minimum is 3 and a half.","start":749.19,"end":751.05,"sentiment":"neutral","sentiment_score":-0.02482137782499194},{"text":"Okay.","start":753.27,"end":753.77,"sentiment":"neutral","sentiment_score":-0.003858759999275207},{"text":"Sorry.","start":753.83,"end":754.33,"sentiment":"neutral","sentiment_score":-0.10442551970481873}],"sentiment":"neutral","sentiment_score":-0.02264824894995525,"num_words":29,"start":738.375,"end":754.33},{"sentences":[{"text":"There's where my numbers are wrong.","start":754.47,"end":756.25,"sentiment":"neutral","sentiment_score":-0.22974064946174622},{"text":"Okay.","start":756.95,"end":757.27,"sentiment":"neutral","sentiment_score":-0.045078881084918976},{"text":"So the minimum is 3 and a half.","start":757.27,"end":758.55,"sentiment":"neutral","sentiment_score":-0.03977520950138569},{"text":"Your renters are basically covering two of that, so you're currently putting an extra at a minimum, putting an extra 1,500 in to make that repayment.","start":758.55,"end":766.94495,"sentiment":"neutral","sentiment_score":0.01521319390919346},{"text":"So if you didn't have like, if you're if you didn't have the mortgage anymore, you would be able to get rid of $1,500 out of your your overall need per month, which would realistically mean that you need $2 a month, which equates down to about $500 a week, which is very, very cool.","start":767.40497,"end":790.605,"sentiment":"neutral","sentiment_score":0.11709287630563432}],"sentiment":"neutral","sentiment_score":0.053061737339400374,"num_words":96,"start":754.47,"end":790.605},{"sentences":[{"text":"Yeah.","start":796.345,"end":796.845,"sentiment":"neutral","sentiment_score":0.19110143184661865},{"text":"So, I mean, there you go.","start":796.985,"end":798.185,"sentiment":"neutral","sentiment_score":0.11990386123458545},{"text":"So it's even less than what we thought in terms of the need, but that's not really leaving much for you to travel or do anything in your retirement if that's something that you're wanting to do.","start":798.185,"end":809.43,"sentiment":"neutral","sentiment_score":0.07035213588057337},{"text":"A week.","start":816.885,"end":817.365,"sentiment":"neutral","sentiment_score":-0.00324972253292799},{"text":"Week.","start":817.365,"end":817.605,"sentiment":"neutral","sentiment_score":-0.013785162940621376}],"sentiment":"neutral","sentiment_score":0.07432487274103976,"num_words":47,"start":796.345,"end":817.605},{"sentences":[{"text":"Week.","start":817.605,"end":817.84503,"sentiment":"neutral","sentiment_score":-0.010111566632986069},{"text":"Week.","start":817.84503,"end":818.085,"sentiment":"neutral","sentiment_score":-0.004091165028512478},{"text":"Week.","start":818.085,"end":818.325,"sentiment":"neutral","sentiment_score":0.0006320797838270664},{"text":"Yep.","start":818.325,"end":818.825,"sentiment":"neutral","sentiment_score":0.08156026899814606},{"text":"That's already gonna pull a thousand.","start":825.94,"end":827.46,"sentiment":"neutral","sentiment_score":0.15439553558826447}],"sentiment":"neutral","sentiment_score":0.09943628306500614,"num_words":10,"start":817.605,"end":827.46},{"sentences":[{"text":"Yep.","start":827.46,"end":827.96,"sentiment":"neutral","sentiment_score":0.1799907386302948},{"text":"You're gonna be quite comfortable.","start":832.98004,"end":834.42004,"sentiment":"neutral","sentiment_score":0.19205063283443452},{"text":"Yeah.","start":834.42004,"end":834.92004,"sentiment":"neutral","sentiment_score":0.10452792048454285},{"text":"Don't be wrong.","start":834.98004,"end":835.7,"sentiment":"neutral","sentiment_score":0.09297663470109303},{"text":"It's my it's my rough paper math while I'm talking and thinking and not while I'm just thinking with numbers.","start":835.7,"end":843.285,"sentiment":"neutral","sentiment_score":0.06253326293081045}],"sentiment":"neutral","sentiment_score":0.09247889953354994,"num_words":30,"start":827.46,"end":843.285},{"sentences":[{"text":"But, yeah, it seems to be pretty kosher, to be honest.","start":844.305,"end":847.845,"sentiment":"neutral","sentiment_score":0.2868398834358562},{"text":"So Yeah.","start":847.90497,"end":853.48,"sentiment":"neutral","sentiment_score":0.2773159071803093},{"text":"Good.","start":856.18,"end":856.68,"sentiment":"positive","sentiment_score":0.37067386507987976},{"text":"That's without me factoring in your wife's income and what she currently brings and the needs there and, you know, that side of things.","start":857.77997,"end":865.3,"sentiment":"neutral","sentiment_score":0.06495100368435185},{"text":"But you are obviously earning a bit more than what she is.","start":865.3,"end":869.975,"sentiment":"neutral","sentiment_score":0.05772914861639341}],"sentiment":"neutral","sentiment_score":0.12664236538112164,"num_words":50,"start":844.305,"end":869.975},{"sentences":[{"text":"You said you were she was sort of around that $60 a month $60 mark.","start":869.975,"end":873.415,"sentiment":"neutral","sentiment_score":0.04491665040453275},{"text":"So, you know, your income is basically double that.","start":873.415,"end":876.77496,"sentiment":"neutral","sentiment_score":0.06619154868854417},{"text":"So, yeah, whatever she's bringing in would obviously need to be factored in a little bit.","start":876.77496,"end":883.29004,"sentiment":"neutral","sentiment_score":0.008008501667063683},{"text":"But, yeah, it means that that property, you know, we just need to look at getting that paid off so that way we can have that working.","start":883.29004,"end":891.71,"sentiment":"neutral","sentiment_score":0.09598600326312913},{"text":"Cool.","start":892.97003,"end":893.47003,"sentiment":"positive","sentiment_score":0.7531135082244873}],"sentiment":"neutral","sentiment_score":0.06974037231274825,"num_words":68,"start":869.975,"end":893.47003},{"sentences":[{"text":"Perfect.","start":894.32495,"end":894.565,"sentiment":"positive","sentiment_score":0.6895337104797363},{"text":"Well, I'm gonna sit with the numbers a little bit, obviously, have a look at what that looks like.","start":894.565,"end":898.425,"sentiment":"neutral","sentiment_score":0.1451230954967047},{"text":"I'll obviously actually factor in some decent, you know, saving and putting away for the rental costs and what that looks like from a realistic point of view.","start":898.96497,"end":911.13,"sentiment":"neutral","sentiment_score":0.21884294599294662},{"text":"We have real estate fees and stuff like that.","start":911.13,"end":913.13,"sentiment":"neutral","sentiment_score":0.0648121183945073},{"text":"I just I I ballpark it.","start":913.13,"end":916.09,"sentiment":"neutral","sentiment_score":0.1005356212457021}],"sentiment":"neutral","sentiment_score":0.17080948898007,"num_words":63,"start":894.32495,"end":916.09},{"sentences":[{"text":"I pay I napkin math it.","start":916.09,"end":917.63,"sentiment":"neutral","sentiment_score":0.11009359980622928},{"text":"Yep.","start":919.61,"end":920.11,"sentiment":"neutral","sentiment_score":0.11506983637809752},{"text":"Yeah.","start":920.84503,"end":921.34503,"sentiment":"neutral","sentiment_score":0.09201119840145112},{"text":"So I'll actually sit down and have a look at the numbers properly and go from there.","start":922.205,"end":926.145,"sentiment":"neutral","sentiment_score":0.11507569647887174},{"text":"But aside from that, with regards to, I guess, the other goals you had, I know you wanted to do some traveling and you just want to be comfortable, which we've obviously sort of worked out that we could possibly be pretty well on track to do because of that rental property, but we need to still be realistic about making sure we put money away to deal with any problems that properties come with.","start":926.365,"end":946.97,"sentiment":"neutral","sentiment_score":0.12558782661954562}],"sentiment":"neutral","sentiment_score":0.12243016470223665,"num_words":100,"start":916.09,"end":946.97},{"sentences":[{"text":"And then aside from that, I know that you were pretty open to looking at your insurance stuff as well.","start":948.395,"end":953.455,"sentiment":"neutral","sentiment_score":0.10017511583864688},{"text":"Now currently, you're with Bryte Super, and you currently have a life insurance only policy.","start":954.315,"end":959.355,"sentiment":"neutral","sentiment_score":0.04326928767065207},{"text":"This is no insurance on protecting you from a disability point of view.","start":959.355,"end":964.37,"sentiment":"neutral","sentiment_score":-0.013090110885409208},{"text":"Are you wanting to look at all covers?","start":964.37,"end":968.47003,"sentiment":"neutral","sentiment_score":-0.001231213565915823},{"text":"Are you wanting to look at disability cover?","start":968.69,"end":970.95,"sentiment":"neutral","sentiment_score":-0.017014143522828817}],"sentiment":"neutral","sentiment_score":0.036506364587694407,"num_words":64,"start":948.395,"end":970.95},{"sentences":[{"text":"Or are you comfortable to just look at, like, life insurance from a stand alone point of view?","start":971.01,"end":975.51,"sentiment":"neutral","sentiment_score":-0.006561320068107711},{"text":"I guess, to explain it.","start":975.81,"end":977.325,"sentiment":"neutral","sentiment_score":-0.030308064818382264},{"text":"Yeah.","start":977.565,"end":977.805,"sentiment":"neutral","sentiment_score":-0.04891153424978256},{"text":"Sorry.","start":977.805,"end":978.305,"sentiment":"neutral","sentiment_score":-0.14628629386425018},{"text":"Yeah.","start":991.0,"end":991.5,"sentiment":"neutral","sentiment_score":-0.10393616557121275}],"sentiment":"neutral","sentiment_score":-0.021876079961657524,"num_words":26,"start":971.01,"end":991.5},{"sentences":[{"text":"Let let me you know.","start":991.64,"end":993.34,"sentiment":"neutral","sentiment_score":-0.16563968360424042},{"text":"Yeah.","start":1008.935,"end":1009.015,"sentiment":"neutral","sentiment_score":0.1939198076725006},{"text":"Correct.","start":1009.015,"end":1009.515,"sentiment":"neutral","sentiment_score":0.2463962435722351},{"text":"And sometimes it it is that, you know, it's the just in case.","start":1010.85504,"end":1015.495,"sentiment":"neutral","sentiment_score":0.18141379952430725},{"text":"It's the it's insurance is risk mitigation.","start":1015.495,"end":1018.23,"sentiment":"neutral","sentiment_score":0.16700347725834166}],"sentiment":"neutral","sentiment_score":0.11627856917955258,"num_words":27,"start":991.64,"end":1018.23},{"sentences":[{"text":"That's all it is.","start":1018.23,"end":1019.11,"sentiment":"neutral","sentiment_score":0.1678747460246086},{"text":"The same reason we have house insurance and car insurance because it's it's the just in case we end up running up the back of the Lamborghini that's worth half $1,000,000 or the $2,000,000 house.","start":1019.11,"end":1029.53,"sentiment":"neutral","sentiment_score":0.0662809924355575},{"text":"Realistically, if anything happened to you right now, your wife could theoretically liquidate the investment property.","start":1032.385,"end":1039.685,"sentiment":"neutral","sentiment_score":-0.061903317109681666},{"text":"She has a fully paid off mortgage.","start":1040.145,"end":1041.685,"sentiment":"neutral","sentiment_score":-0.040968477725982666},{"text":"She's gonna walk away with your superannuation funds, and her lifestyle will not be what you guys were set out to do, but it's possibly manageable ish.","start":1041.745,"end":1055.02,"sentiment":"neutral","sentiment_score":0.04202465392235252}],"sentiment":"neutral","sentiment_score":0.03200861749898517,"num_words":89,"start":1018.23,"end":1055.02},{"sentences":[{"text":"She's not gonna get a great deal from the property sale, but she'll probably walk away with a decent $150,000 after all the sales stuff.","start":1055.8,"end":1066.605,"sentiment":"neutral","sentiment_score":-0.12145945698022842},{"text":"Yeah.","start":1067.625,"end":1068.105,"sentiment":"neutral","sentiment_score":0.08174951374530792},{"text":"Close to 200,000.","start":1068.105,"end":1069.485,"sentiment":"neutral","sentiment_score":0.06679345791538556},{"text":"After all the sales stuff goes through, the mortgage is paid off and everything like that, plus your superannuation fund.","start":1070.265,"end":1074.4249,"sentiment":"neutral","sentiment_score":0.035774332284927365},{"text":"So let's just call it 400,000 e let's just call it 400,000.","start":1074.4249,"end":1078.53,"sentiment":"neutral","sentiment_score":0.04559891950339079}],"sentiment":"neutral","sentiment_score":-0.024453817332377198,"num_words":61,"start":1055.8,"end":1078.53},{"sentences":[{"text":"I know it's a little bit less.","start":1078.53,"end":1079.8301,"sentiment":"neutral","sentiment_score":-0.00543816334434918},{"text":"So that 6 $100,000 she'll walk away with, plus currently, you have $317,000 with a life insurance policy.","start":1080.05,"end":1086.55,"sentiment":"neutral","sentiment_score":0.02726717024213738},{"text":"So all in all, she's walking away with just over $900,000 when you look at all of it.","start":1086.6901,"end":1094.125,"sentiment":"neutral","sentiment_score":0.11531858415239388},{"text":"She's gonna live quite happily, especially if she's in and around the same age as you are and she's, you know, looking at 60 a couple years.","start":1095.0651,"end":1104.125,"sentiment":"neutral","sentiment_score":0.21243749641709858},{"text":"So, realistically, what that means is that maybe she will just knock you off in your no.","start":1106.6901,"end":1112.05,"sentiment":"neutral","sentiment_score":0.018954220063546124}],"sentiment":"neutral","sentiment_score":0.09869552390842602,"num_words":87,"start":1078.53,"end":1112.05},{"sentences":[{"text":"I'm kidding.","start":1112.05,"end":1112.53,"sentiment":"neutral","sentiment_score":-0.060539210215210915},{"text":"I'm kidding.","start":1112.53,"end":1113.11,"sentiment":"neutral","sentiment_score":-0.04020668752491474},{"text":"She could.","start":1117.665,"end":1118.405,"sentiment":"neutral","sentiment_score":0.033017806708812714},{"text":"No.","start":1120.385,"end":1120.7051,"sentiment":"neutral","sentiment_score":-0.07261872291564941},{"text":"So, I mean, what that means is that she is gonna be quite probably comfortable with that amount.","start":1120.7051,"end":1127.4451,"sentiment":"neutral","sentiment_score":0.0007497999403211805}],"sentiment":"neutral","sentiment_score":-0.007783140242099762,"num_words":25,"start":1112.05,"end":1127.4451},{"sentences":[{"text":"But you're right.","start":1127.7451,"end":1128.2251,"sentiment":"neutral","sentiment_score":0.17191311965386072},{"text":"You're currently paying a million thousand dollars for 317,000 in insurance.","start":1128.2251,"end":1132.8099,"sentiment":"neutral","sentiment_score":0.19266031953421506},{"text":"So, you know, premium paid versus benefit received is pretty comparable.","start":1132.8099,"end":1136.6699,"sentiment":"neutral","sentiment_score":0.2024155015295202},{"text":"But could we do better?","start":1137.85,"end":1140.11,"sentiment":"neutral","sentiment_score":-0.10660005807876587},{"text":"Do we really need that much?","start":1140.25,"end":1141.95,"sentiment":"neutral","sentiment_score":-0.24640179177125296}],"sentiment":"neutral","sentiment_score":0.07917117637892564,"num_words":36,"start":1127.7451,"end":1141.95},{"sentences":[{"text":"Do we wanna protect you if you're never able to work again?","start":1143.0499,"end":1146.35,"sentiment":"neutral","sentiment_score":-0.20567026361823082},{"text":"Being that you're, you know, two years and two months away from turning 60, is that something we need to focus on?","start":1146.73,"end":1154.5651,"sentiment":"neutral","sentiment_score":-0.21126862208951602},{"text":"Is that something that you're concerned about, getting ill or injured and never working again?","start":1155.3451,"end":1159.8451,"sentiment":"neutral","sentiment_score":-0.26753535668055217},{"text":"These are all questions that are stuff that you definitely need to answer.","start":1160.9299,"end":1164.21,"sentiment":"neutral","sentiment_score":-0.1563031581731943},{"text":"I can then investigate, but it's something you need to be comfortable with either taking on the risk or paying for the insurance.","start":1164.21,"end":1171.91,"sentiment":"neutral","sentiment_score":-0.051331210476548775}],"sentiment":"neutral","sentiment_score":-0.16872402466833591,"num_words":85,"start":1143.0499,"end":1171.91},{"sentences":[{"text":"Yeah.","start":1177.745,"end":1178.245,"sentiment":"neutral","sentiment_score":0.04922521859407425},{"text":"You're pretty sedentary.","start":1180.225,"end":1181.285,"sentiment":"neutral","sentiment_score":-0.08894046892722447},{"text":"No.","start":1186.15,"end":1186.65,"sentiment":"neutral","sentiment_score":-0.16541817784309387},{"text":"Yeah.","start":1187.03,"end":1187.53,"sentiment":"neutral","sentiment_score":0.012872833758592606},{"text":"Perfect.","start":1188.15,"end":1188.65,"sentiment":"neutral","sentiment_score":0.09270894527435304}],"sentiment":"neutral","sentiment_score":-0.039633226713963916,"num_words":7,"start":1177.745,"end":1188.65},{"sentences":[{"text":"And yeah.","start":1190.87,"end":1193.51,"sentiment":"neutral","sentiment_score":-0.21384473145008087},{"text":"You kind of said bad back or have you out of work forever.","start":1193.51,"end":1196.97,"sentiment":"negative","sentiment_score":-0.33689647225233227},{"text":"Cool.","start":1199.385,"end":1199.865,"sentiment":"neutral","sentiment_score":0.11930883675813676},{"text":"Well, do you do you want me to look at lower amounts of life insurance?","start":1199.865,"end":1203.405,"sentiment":"neutral","sentiment_score":-0.015617839495340983},{"text":"Because realistically speaking, I think if we just cover the mortgage on that investment property so, like, the you have nearly 400,000 in your super fund.","start":1205.4651,"end":1216.52,"sentiment":"neutral","sentiment_score":0.02281799052770321}],"sentiment":"neutral","sentiment_score":-0.0759479755110908,"num_words":57,"start":1190.87,"end":1216.52},{"sentences":[{"text":"If I look at, say, a 100 to $150,000 worth of life insurance, which with those two benefits combined will more than adequately pay off the the investment property, it means that your wife would then have residual income coming in.","start":1216.52,"end":1231.865,"sentiment":"neutral","sentiment_score":0.09541466305168664},{"text":"Perfect.","start":1235.125,"end":1235.625,"sentiment":"neutral","sentiment_score":0.3207348883152008},{"text":"Amazing.","start":1236.245,"end":1236.725,"sentiment":"positive","sentiment_score":0.3811390995979309},{"text":"Alright.","start":1236.725,"end":1237.125,"sentiment":"neutral","sentiment_score":0.22542230784893036},{"text":"So I'll look at just basically covering off the investment property, making sure that we're looking at the best premiums around and and cost effective in that nature.","start":1237.125,"end":1246.1901,"sentiment":"neutral","sentiment_score":0.14784325951976435}],"sentiment":"neutral","sentiment_score":0.1247070659365919,"num_words":72,"start":1216.52,"end":1246.1901},{"sentences":[{"text":"I'll look at life insurance only.","start":1246.1901,"end":1247.81,"sentiment":"neutral","sentiment_score":0.04098136412600676},{"text":"So that way, we're just we're just looking after the missus and the kid.","start":1248.27,"end":1252.29,"sentiment":"neutral","sentiment_score":0.07849900078560625},{"text":"May I ask, do you have a son or a daughter?","start":1253.79,"end":1257.25,"sentiment":"neutral","sentiment_score":0.01219981527802619},{"text":"Oh, you've got the three of them.","start":1267.385,"end":1268.9249,"sentiment":"neutral","sentiment_score":0.05559737980365753},{"text":"Beautiful.","start":1269.065,"end":1269.565,"sentiment":"positive","sentiment_score":0.4193649888038635}],"sentiment":"neutral","sentiment_score":0.05865689259595596,"num_words":39,"start":1246.1901,"end":1269.565},{"sentences":[{"text":"I have to ask because I'm I'm a mom of three.","start":1271.56,"end":1273.7201,"sentiment":"neutral","sentiment_score":0.009175581984560598},{"text":"How did you find three?","start":1273.7201,"end":1274.68,"sentiment":"neutral","sentiment_score":0.001252155192196369},{"text":"I found coming from I don't know.","start":1274.68,"end":1277.16,"sentiment":"neutral","sentiment_score":-0.08253904112747737},{"text":"Three just created chaos.","start":1277.16,"end":1278.3601,"sentiment":"neutral","sentiment_score":-0.21971281245350838},{"text":"Beautiful chaos.","start":1278.3601,"end":1279.0,"sentiment":"neutral","sentiment_score":-0.05763847008347511}],"sentiment":"neutral","sentiment_score":-0.050507217244213,"num_words":29,"start":1271.56,"end":1279.0},{"sentences":[{"text":"Don't get me wrong, but it did create Yeah.","start":1279.0,"end":1297.45,"sentiment":"neutral","sentiment_score":0.009530419897702005},{"text":"Yeah.","start":1310.8049,"end":1311.3049,"sentiment":"neutral","sentiment_score":0.05706007778644562},{"text":"Yeah.","start":1311.605,"end":1311.9249,"sentiment":"neutral","sentiment_score":0.03655604273080826},{"text":"No.","start":1311.9249,"end":1312.1649,"sentiment":"neutral","sentiment_score":-0.014951655641198158},{"text":"I I get it.","start":1312.1649,"end":1313.3049,"sentiment":"neutral","sentiment_score":-0.03678002953529358}],"sentiment":"neutral","sentiment_score":0.0010823828633874655,"num_words":16,"start":1279.0,"end":1313.3049},{"sentences":[{"text":"Yeah.","start":1322.22,"end":1322.72,"sentiment":"neutral","sentiment_score":0.0005231201648712158},{"text":"No.","start":1322.78,"end":1323.18,"sentiment":"neutral","sentiment_score":-0.00669480487704277},{"text":"Yeah.","start":1323.18,"end":1323.5,"sentiment":"neutral","sentiment_score":0.035160988569259644},{"text":"Definitely.","start":1323.5,"end":1324.0,"sentiment":"neutral","sentiment_score":0.08406887948513031},{"text":"It was well, yeah.","start":1324.14,"end":1325.5,"sentiment":"neutral","sentiment_score":0.12507327646017075}],"sentiment":"neutral","sentiment_score":0.07666891114786267,"num_words":8,"start":1322.22,"end":1325.5},{"sentences":[{"text":"By the time you had your youngest, you would have had, like, 15 and and 12 at that point.","start":1325.5,"end":1330.14,"sentiment":"neutral","sentiment_score":0.03840246855428344},{"text":"So so, yeah, you would have you would have had definite help.","start":1330.14,"end":1335.76,"sentiment":"neutral","sentiment_score":0.14082686603069305},{"text":"Oh, that's good.","start":1341.9451,"end":1342.9851,"sentiment":"neutral","sentiment_score":0.3029346565405528},{"text":"No.","start":1342.9851,"end":1343.2251,"sentiment":"neutral","sentiment_score":0.2547544240951538},{"text":"That's beautiful.","start":1343.2251,"end":1344.045,"sentiment":"positive","sentiment_score":0.4281075596809387}],"sentiment":"neutral","sentiment_score":0.11998223805347004,"num_words":37,"start":1325.5,"end":1344.045},{"sentences":[{"text":"I love that.","start":1345.2251,"end":1346.045,"sentiment":"positive","sentiment_score":0.45168694853782654},{"text":"13 seven five.","start":1348.505,"end":1350.4451,"sentiment":"neutral","sentiment_score":0.0329381867001454},{"text":"Okay.","start":1351.53,"end":1352.03,"sentiment":"neutral","sentiment_score":0.04856836423277855},{"text":"Still in the thick of it, but now I'm I'm, you know, going through that that beautiful turn of life called puberty.","start":1353.05,"end":1361.79,"sentiment":"neutral","sentiment_score":0.09052886974743822},{"text":"So, yes, very, very much.","start":1361.8501,"end":1366.2649,"sentiment":"neutral","sentiment_score":0.2708327978849411}],"sentiment":"neutral","sentiment_score":0.14259537922985413,"num_words":34,"start":1345.2251,"end":1366.2649},{"sentences":[{"text":"Just very lucky that my eldest is a is a boy, so it hasn't been too bad to be completely honest with you.","start":1366.2649,"end":1372.125,"sentiment":"neutral","sentiment_score":0.295217536713766},{"text":"Not so much looking forward to my daughter, but that's okay.","start":1373.7849,"end":1376.205,"sentiment":"neutral","sentiment_score":-0.11796168322590264},{"text":"Yeah.","start":1379.44,"end":1379.94,"sentiment":"neutral","sentiment_score":0.13655394315719604},{"text":"That's it.","start":1384.64,"end":1385.44,"sentiment":"neutral","sentiment_score":0.2788417935371399},{"text":"100%.","start":1385.44,"end":1386.4199,"sentiment":"neutral","sentiment_score":0.2307356297969818}],"sentiment":"neutral","sentiment_score":0.16887889444631965,"num_words":38,"start":1366.2649,"end":1386.4199},{"sentences":[{"text":"That's why I make my way home every night.","start":1386.5599,"end":1388.74,"sentiment":"positive","sentiment_score":0.3644818680153953},{"text":"Perfect.","start":1392.155,"end":1392.655,"sentiment":"positive","sentiment_score":0.545556902885437},{"text":"Now I did have one question to do with your occupation just because I have 70% office and 30% field.","start":1392.7151,"end":1398.3351,"sentiment":"neutral","sentiment_score":0.048946634959429504},{"text":"With the field work, are we actually out in the field, or we what are we doing with that?","start":1399.595,"end":1406.38,"sentiment":"neutral","sentiment_score":0.024687906923262698},{"text":"Yeah.","start":1415.16,"end":1415.24,"sentiment":"neutral","sentiment_score":0.176425039768219}],"sentiment":"neutral","sentiment_score":0.10900643371045589,"num_words":50,"start":1386.5599,"end":1415.24},{"sentences":[{"text":"Cool.","start":1415.24,"end":1415.74,"sentiment":"positive","sentiment_score":0.5166653990745544},{"text":"Absolutely perfect.","start":1416.165,"end":1416.885,"sentiment":"positive","sentiment_score":0.6993786692619324},{"text":"We don't touch a tool or anything like that?","start":1416.885,"end":1420.1051,"sentiment":"neutral","sentiment_score":-0.03167212030125989},{"text":"Absolutely.","start":1428.98,"end":1429.48,"sentiment":"neutral","sentiment_score":0.29188302159309387},{"text":"That is perfect.","start":1431.7,"end":1432.9199,"sentiment":"positive","sentiment_score":0.3571878174940745}],"sentiment":"neutral","sentiment_score":0.18711375806014985,"num_words":16,"start":1415.24,"end":1432.9199},{"sentences":[{"text":"No.","start":1433.0599,"end":1433.46,"sentiment":"neutral","sentiment_score":0.0954074114561081},{"text":"Absolutely.","start":1433.46,"end":1433.96,"sentiment":"neutral","sentiment_score":0.20990580320358276},{"text":"Amazing.","start":1434.1799,"end":1434.6799,"sentiment":"positive","sentiment_score":0.3403804302215576},{"text":"Cool.","start":1434.74,"end":1435.1399,"sentiment":"neutral","sentiment_score":0.26182442903518677},{"text":"So we're pretty much, like, all office work, a little bit of field work, but that's fine as long as we're not touching touching any tools.","start":1435.1399,"end":1443.145,"sentiment":"neutral","sentiment_score":0.11018849694384979}],"sentiment":"neutral","sentiment_score":0.12574729981521765,"num_words":30,"start":1433.0599,"end":1443.145},{"sentences":[{"text":"Whatever we do at home is fine.","start":1443.145,"end":1444.685,"sentiment":"neutral","sentiment_score":0.11964557319879532},{"text":"The other question I had, 20 with the same employer and government work where we have some decent long service leaves banked up annually as well?","start":1445.625,"end":1455.96,"sentiment":"neutral","sentiment_score":0.0017172504359712969},{"text":"Yep.","start":1465.72,"end":1466.22,"sentiment":"neutral","sentiment_score":-0.010534103028476238},{"text":"Alright.","start":1468.615,"end":1469.095,"sentiment":"neutral","sentiment_score":0.04572227597236633},{"text":"Cool.","start":1469.095,"end":1469.4149,"sentiment":"neutral","sentiment_score":0.059699125587940216}],"sentiment":"neutral","sentiment_score":0.02714041172940698,"num_words":36,"start":1443.145,"end":1469.4149},{"sentences":[{"text":"That's fine.","start":1469.4149,"end":1470.715,"sentiment":"neutral","sentiment_score":-0.0024418747052550307},{"text":"Yeah.","start":1475.015,"end":1475.495,"sentiment":"neutral","sentiment_score":0.01791016384959221},{"text":"No.","start":1475.495,"end":1475.975,"sentiment":"neutral","sentiment_score":0.026848062872886658},{"text":"Perfect.","start":1475.975,"end":1476.475,"sentiment":"neutral","sentiment_score":0.1988810896873474},{"text":"That's absolutely fine.","start":1476.535,"end":1477.9149,"sentiment":"neutral","sentiment_score":0.238790030280749}],"sentiment":"neutral","sentiment_score":0.1193907072301954,"num_words":8,"start":1469.4149,"end":1477.9149},{"sentences":[{"text":"Cool.","start":1478.2949,"end":1478.7949,"sentiment":"positive","sentiment_score":0.38797590136528015},{"text":"Amazing.","start":1479.895,"end":1480.375,"sentiment":"positive","sentiment_score":0.4129546880722046},{"text":"Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go.","start":1480.375,"end":1487.5399,"sentiment":"neutral","sentiment_score":0.17042385109446265},{"text":"I will start having a look into the superannuation, other, like, investment options we can look at.","start":1487.6,"end":1493.6799,"sentiment":"neutral","sentiment_score":0.10394596615258385},{"text":"I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side.","start":1493.6799,"end":1504.205,"sentiment":"neutral","sentiment_score":0.10052329467402564}],"sentiment":"neutral","sentiment_score":0.13281567197512179,"num_words":68,"start":1478.2949,"end":1504.205},{"sentences":[{"text":"I just wanted to ask because 6% flat is pretty rare.","start":1504.505,"end":1507.725,"sentiment":"neutral","sentiment_score":-0.0031962182203477078},{"text":"Is it actually 6% flat on the investment property mortgage, or was that just a roundabout guess?","start":1507.945,"end":1513.085,"sentiment":"neutral","sentiment_score":-0.016689481980660382},{"text":"That's okay.","start":1517.19,"end":1517.75,"sentiment":"neutral","sentiment_score":0.048328762874007225},{"text":"Can I who's your mortgage provider?","start":1517.75,"end":1520.1699,"sentiment":"neutral","sentiment_score":0.011194275536884865},{"text":"We are lender lender.","start":1520.39,"end":1522.25,"sentiment":"neutral","sentiment_score":0.010352953104302287}],"sentiment":"neutral","sentiment_score":-0.002841115067712963,"num_words":40,"start":1504.505,"end":1522.25},{"sentences":[{"text":"My state.","start":1524.47,"end":1525.0299,"sentiment":"neutral","sentiment_score":0.028625860810279846},{"text":"Cool.","start":1525.0299,"end":1525.5299,"sentiment":"neutral","sentiment_score":0.14311622083187103},{"text":"That's fine.","start":1525.8949,"end":1526.5349,"sentiment":"neutral","sentiment_score":0.14481587707996368},{"text":"I will have a look at what their rates are sitting at and go from there.","start":1526.5349,"end":1530.315,"sentiment":"neutral","sentiment_score":0.10274661239236593},{"text":"Perfect.","start":1531.2549,"end":1531.7549,"sentiment":"positive","sentiment_score":0.4666244387626648}],"sentiment":"neutral","sentiment_score":0.11820772425694899,"num_words":22,"start":1524.47,"end":1531.7549},{"sentences":[{"text":"That gives me everything that I need to kinda start running off and having a look.","start":1532.0549,"end":1536.1349,"sentiment":"neutral","sentiment_score":0.3079251549206674},{"text":"So I'll start putting everything together, and then when we speak next, I'll have what's called a statement of advice put together that basically outlines the advice that I have put together for 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soon.","start":1555.825,"end":1556.8049,"sentiment":"positive","sentiment_score":0.5573489268620809},{"text":"Bye.","start":1558.7849,"end":1559.2849,"sentiment":"neutral","sentiment_score":-0.09904541820287704}],"sentiment":"positive","sentiment_score":0.6356731628378233,"num_words":9,"start":1551.03,"end":1559.2849}]}}]},{"alternatives":[{"transcript":"Hello, Gavin speaking. I'm good, man. How are you? Yep. Yes. Yep. I forgot. Two years. Yep. That's correct. Yep. Yep. Yep. Correct. No. I no. I'm using it. Yep. No. Not as yet, mate. I'm I I gave it a clean up when I first bought it, but to rent it out. And I'm looking building a in the backyard, there's double garage workshop and a three room office, if you like, which I'm looking at converting into a per unit in the next two minutes. No. That's the basement, I think. I think we're paying somewhere in 4. 3 and a half 4. Yep. No. There's no redraw offset. Oh, I can redraw on it, but there's no offset. Yeah. I think so. I I think gross is around $5.50 a week. Correct. Correct. Yep. Yep. Yep. Nine. Yep. I've got a ballpark of that. 60. It's an evil partner. Yeah. I'm just gonna write the one. Just yeah. Posterity mortgages. It's it's gonna put the money there to do it. So yeah. Just read this. Yep. Yeah. I'm gonna rent it out, mate. So I'm looking at so if I have oh, we're running to the two facilities as renters, so I should be able to pull I'm guessing on a pool 50 a week ahead of that. You know, once done? Absolutely. Yep. Yep. Yep. 50 or 60 or 80. Yep. The shape of polyamide is is under a grain, so now it's three parts of under a bowl. I haven't been using a platform. So the AMP shares that I've got, and I just get them to reinvest anything that I've filed through. So I think there's 800 odd shares or whatever. I couldn't do what they're worth. Yep. I've had them for more years, and I can't remember. No. I think I just bought them when I was in the in the twenties and just had them roll over. Whatever the whatever the. And it's done. Well, it's done. It's done. So, yeah, if that's okay. Look. I don't have to tell you the wrong one. I don't mean that I can get rid of anything, to be honest. What's my impression with these things? There you go. I've got a thousand bucks worth. I I don't have it for the whole bunch. It's gonna be because I said there was nothing I can afford it. If you can get me to retire in the next twelve months, mate, you go for it. Because I'd be very excited about it, do you? Yeah. Yep. Alright. Yeah. Absolutely. Yep. Yep. Yep. Honestly, off the top of my head. It's a good. Yep. Okay. Yep. Yep. Yep. Mhmm. Yep. Yep. And what is that? Mhmm. Yes. It's okay. You you gotta figure 2 and a half that I'm paying on the mortgage per month. Is that right? I think the minimum is up to 3, not 2 and a half. That's okay. I think so. Yeah. Yep. Yep. It should be very cool. Well, it is. I mean okay. Well, if that's the case, if I only need $500 a month sorry. Five hundred dollars a week. Yep. To survive. And I can get this place next to a paid off, and that's pulling a thousand dollars a week. Plus plus whatever I can put out my super per week. I don't wanna be rolling in. Absolutely. Yep. Yep. That that would be awesome. That would be amazing. Okay. Now now I'm getting a little bit excited. Yep. Yes, Yes. Yes. Absolutely. That would be great. Yep. That's my thing. I'll do something. Yes. Yes. Yes. Well, was it well, at the moment, I think I just got the life insurance through Zurich. And I think I can't can't can't do that as well, to be honest. I don't recall, to be honest. The thing I want the thing I'm finding with insurance is the hell of a lot of money for very little to no value. I mean, yes, it's nice to to cover your ass for the just in case moments, but how far do you go? Exactly. Yep. Yep. K. Yep. Yep. Yep. Yep. Absolutely. Yep. Yep. Yes. Look. Considering what I do for a living, I'm happy to take on the risk. I mean, I'm working from home right now, so it's it's not it's not a difficult one to achieve, if that makes sense. I was not sure I maybe get into it. I'm not a tradie. It. Yeah. I think that that works for me. That makes sense? Yep. Okay. Yep. I've got well, I've got a daughter at home, a daughter, and a son that's with their own large in front of them with their own home engine. Whatever you say. Yeah. Yeah. Yeah. Well, we're we're pretty lucky. Well, I was I was pretty lucky. I mean, Cathy's my second long term relationship, and she had the two kids when we met. So they were ten eleven, I think. And they sort of come in along three, two years after we got together. So the three three wasn't too bad because of those age differences, if that makes sense. So after after days, she was a bit like a a teen mom, but then actually having a baby son. She did that, which is pretty cool. That's right. Yeah. Absolutely. Yeah. Absolutely. So it was in that in that space, it wasn't too bad. Yeah. How are yours? I always do. Yeah. That's a good Yeah. Cool. Just just remember me. Yeah. I only give 18 summers with each of them, so enjoy everyone. Absolutely. Mhmm. To to be honest, I'm I'm a project manager, so I go I go out and look at sites, and that's about it really to say. I walk around the site, and then I come back to the office. That's not that's not. Nah. Nah. I only do that when I get home. Hence, I'm gonna be doing the unit pretty shortly. No. So I've I've been with the government employer, but various agencies, if that makes sense, and there's been breaks in the middle, say, this employer I've been for two years. Don't don't know. It's just done. Just the basic stuff now. I'd say it's around about yes. It'd be close. My my state. Yep. Beautiful. Yeah. Thank you, man. I'm I'm with Fujiko. Yeah. 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I'm good, man. How are you? Yep. Yes.\n\nYep. I forgot. Two years. Yep. That's correct.\n\nYep. Yep. Yep. Correct. No.\n\nI no. I'm using it. Yep. No. Not as yet, mate.\n\nI'm I I gave it a clean up when I first bought it, but to rent it out. And I'm looking building a in the backyard, there's double garage workshop and a three room office, if you like, which I'm looking at converting into a per unit in the next two minutes. No. That's the basement, I think. I think we're paying somewhere in 4.\n\n3 and a half 4. Yep. No. There's no redraw offset. Oh, I can redraw on it, but there's no offset.\n\nYeah. I think so. I I think gross is around $5.50 a week. Correct. Correct.\n\nYep. Yep. Yep. Nine. Yep.\n\nI've got a ballpark of that. 60. It's an evil partner. Yeah. I'm just gonna write the one.\n\nJust yeah. Posterity mortgages. It's it's gonna put the money there to do it. So yeah. Just read this.\n\nYep. Yeah. I'm gonna rent it out, mate. So I'm looking at so if I have oh, we're running to the two facilities as renters, so I should be able to pull I'm guessing on a pool 50 a week ahead of that. You know, once done?\n\nAbsolutely. Yep. Yep. Yep. 50 or 60 or 80.\n\nYep. The shape of polyamide is is under a grain, so now it's three parts of under a bowl. I haven't been using a platform. So the AMP shares that I've got, and I just get them to reinvest anything that I've filed through. So I think there's 800 odd shares or whatever.\n\nI couldn't do what they're worth. Yep. I've had them for more years, and I can't remember. No. I think I just bought them when I was in the in the twenties and just had them roll over.\n\nWhatever the whatever the. And it's done. Well, it's done. It's done. So, yeah, if that's okay.\n\nLook. I don't have to tell you the wrong one. I don't mean that I can get rid of anything, to be honest. What's my impression with these things? There you go.\n\nI've got a thousand bucks worth. I I don't have it for the whole bunch. It's gonna be because I said there was nothing I can afford it. If you can get me to retire in the next twelve months, mate, you go for it. Because I'd be very excited about it, do you?\n\nYeah. Yep. Alright. Yeah. Absolutely.\n\nYep. Yep. Yep. Honestly, off the top of my head. It's a good.\n\nYep. Okay. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. And what is that? Mhmm.\n\nYes. It's okay. You you gotta figure 2 and a half that I'm paying on the mortgage per month. Is that right? I think the minimum is up to 3, not 2 and a half.\n\nThat's okay. I think so. Yeah. Yep. Yep.\n\nIt should be very cool. Well, it is. I mean okay. Well, if that's the case, if I only need $500 a month sorry. Five hundred dollars a week.\n\nYep. To survive. And I can get this place next to a paid off, and that's pulling a thousand dollars a week. Plus plus whatever I can put out my super per week. I don't wanna be rolling in.\n\nAbsolutely. Yep. Yep. That that would be awesome. That would be amazing.\n\nOkay. Now now I'm getting a little bit excited. Yep. Yes, Yes. Yes.\n\nAbsolutely. That would be great. Yep. That's my thing. I'll do something.\n\nYes. Yes. Yes. Well, was it well, at the moment, I think I just got the life insurance through Zurich. And I think I can't can't can't do that as well, to be honest.\n\nI don't recall, to be honest. The thing I want the thing I'm finding with insurance is the hell of a lot of money for very little to no value. I mean, yes, it's nice to to cover your ass for the just in case moments, but how far do you go? Exactly. Yep.\n\nYep. K. Yep. Yep. Yep.\n\nYep. Absolutely. Yep. Yep. Yes.\n\nLook. Considering what I do for a living, I'm happy to take on the risk. I mean, I'm working from home right now, so it's it's not it's not a difficult one to achieve, if that makes sense. I was not sure I maybe get into it. I'm not a tradie.\n\nIt. Yeah. I think that that works for me. That makes sense? Yep.\n\nOkay. Yep. I've got well, I've got a daughter at home, a daughter, and a son that's with their own large in front of them with their own home engine. Whatever you say. Yeah.\n\nYeah. Yeah. Well, we're we're pretty lucky. Well, I was I was pretty lucky. I mean, Cathy's my second long term relationship, and she had the two kids when we met.\n\nSo they were ten eleven, I think. And they sort of come in along three, two years after we got together. So the three three wasn't too bad because of those age differences, if that makes sense. So after after days, she was a bit like a a teen mom, but then actually having a baby son. She did that, which is pretty cool.\n\nThat's right. Yeah. Absolutely. Yeah. Absolutely.\n\nSo it was in that in that space, it wasn't too bad. Yeah. How are yours? I always do. Yeah.\n\nThat's a good Yeah. Cool. Just just remember me. Yeah. I only give 18 summers with each of them, so enjoy everyone.\n\nAbsolutely. Mhmm. To to be honest, I'm I'm a project manager, so I go I go out and look at sites, and that's about it really to say. I walk around the site, and then I come back to the office. That's not that's not.\n\nNah. Nah. I only do that when I get home. Hence, I'm gonna be doing the unit pretty shortly. No.\n\nSo I've I've been with the government employer, but various agencies, if that makes sense, and there's been breaks in the middle, say, this employer I've been for two years. Don't don't know. It's just done. Just the basic stuff now. I'd say it's around about yes.\n\nIt'd be close. My my state. Yep. Beautiful. Yeah.\n\nThank you, man. I'm I'm with Fujiko. Yeah. My point.","paragraphs":[{"sentences":[{"text":"Hello, Gavin speaking.","start":0.64,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.09970935185750325},{"text":"I'm good, man.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.5451690057913462},{"text":"How are you?","start":8.8,"end":9.54,"sentiment":"positive","sentiment_score":0.4097670018672943},{"text":"Yep.","start":17.244999,"end":17.744999,"sentiment":"neutral","sentiment_score":0.1206790655851364},{"text":"Yes.","start":21.485,"end":21.985,"sentiment":"neutral","sentiment_score":0.08510901778936386}],"sentiment":"neutral","sentiment_score":0.306338560174812,"num_words":11,"start":0.64,"end":21.985},{"sentences":[{"text":"Yep.","start":26.044998,"end":26.285,"sentiment":"neutral","sentiment_score":0.008292341604828835},{"text":"I forgot.","start":26.285,"end":26.945,"sentiment":"neutral","sentiment_score":-0.020234682131558657},{"text":"Two 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off the top of my head.","start":613.69995,"end":615.39996,"sentiment":"neutral","sentiment_score":0.10383807548454829},{"text":"It's a 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what is that?","start":671.645,"end":680.155,"sentiment":"neutral","sentiment_score":0.03363620163872838},{"text":"Mhmm.","start":709.81,"end":710.31,"sentiment":"neutral","sentiment_score":0.016651732847094536}],"sentiment":"neutral","sentiment_score":0.03241249732673168,"num_words":8,"start":661.27,"end":710.31},{"sentences":[{"text":"Yes.","start":724.77,"end":725.205,"sentiment":"neutral","sentiment_score":0.05974910408258438},{"text":"It's okay.","start":730.72504,"end":731.385,"sentiment":"neutral","sentiment_score":0.14677322655916214},{"text":"You you gotta figure 2 and a half that I'm paying on the mortgage per month.","start":732.16504,"end":736.645,"sentiment":"neutral","sentiment_score":0.05949536128900945},{"text":"Is that right?","start":736.645,"end":737.465,"sentiment":"neutral","sentiment_score":0.07011701663335164},{"text":"I think the minimum is up to 3, not 2 and a half.","start":743.64996,"end":747.82996,"sentiment":"neutral","sentiment_score":-0.04073705896735191}],"sentiment":"neutral","sentiment_score":0.02817116060427257,"num_words":35,"start":724.77,"end":747.82996},{"sentences":[{"text":"That's okay.","start":749.73,"end":750.38995,"sentiment":"neutral","sentiment_score":-0.009859172627329826},{"text":"I think so.","start":751.32996,"end":752.13,"sentiment":"neutral","sentiment_score":0.0030715266863505044},{"text":"Yeah.","start":752.13,"end":752.535,"sentiment":"neutral","sentiment_score":0.01679276116192341},{"text":"Yep.","start":766.48004,"end":766.98004,"sentiment":"neutral","sentiment_score":0.12200462818145752},{"text":"Yep.","start":778.995,"end":779.495,"sentiment":"neutral","sentiment_score":0.025314953178167343}],"sentiment":"neutral","sentiment_score":0.019201072165742517,"num_words":8,"start":749.73,"end":779.495},{"sentences":[{"text":"It should be very cool.","start":787.155,"end":788.53503,"sentiment":"positive","sentiment_score":0.7010241627693177},{"text":"Well, it is.","start":810.285,"end":810.845,"sentiment":"neutral","sentiment_score":0.06660473719239235},{"text":"I mean okay.","start":810.845,"end":811.805,"sentiment":"neutral","sentiment_score":0.07100604102015495},{"text":"Well, if that's the case, if I only need $500 a month sorry.","start":811.805,"end":817.485,"sentiment":"neutral","sentiment_score":0.014302821829915047},{"text":"Five hundred dollars a week.","start":817.485,"end":818.67,"sentiment":"neutral","sentiment_score":0.0020599097013473512}],"sentiment":"neutral","sentiment_score":0.14186859933723664,"num_words":29,"start":787.155,"end":818.67},{"sentences":[{"text":"Yep.","start":819.63,"end":820.13,"sentiment":"neutral","sentiment_score":0.12123507261276244},{"text":"To survive.","start":820.35,"end":820.93,"sentiment":"neutral","sentiment_score":0.14884456247091293},{"text":"And I can get this place next to a paid off, and that's pulling a thousand dollars a week.","start":822.02997,"end":826.05,"sentiment":"neutral","sentiment_score":0.18301327487355784},{"text":"Plus plus whatever I can put out my super per week.","start":828.19,"end":830.745,"sentiment":"neutral","sentiment_score":0.19298031655224887},{"text":"I don't wanna be rolling in.","start":831.225,"end":832.765,"sentiment":"neutral","sentiment_score":-0.017564755321169894}],"sentiment":"neutral","sentiment_score":0.151630035135895,"num_words":39,"start":819.63,"end":832.765},{"sentences":[{"text":"Absolutely.","start":835.46497,"end":835.96497,"sentiment":"neutral","sentiment_score":0.2411194145679474},{"text":"Yep.","start":840.425,"end":840.925,"sentiment":"neutral","sentiment_score":0.027754103764891624},{"text":"Yep.","start":844.025,"end":844.525,"sentiment":"neutral","sentiment_score":0.15112896263599396},{"text":"That that would be awesome.","start":849.68,"end":851.22,"sentiment":"positive","sentiment_score":0.6062000632286072},{"text":"That would be amazing.","start":851.51996,"end":852.58,"sentiment":"positive","sentiment_score":0.6923196613788605}],"sentiment":"positive","sentiment_score":0.5183567868856093,"num_words":12,"start":835.46497,"end":852.58},{"sentences":[{"text":"Okay.","start":853.44,"end":853.83997,"sentiment":"neutral","sentiment_score":0.20540161430835724},{"text":"Now now I'm getting a little bit excited.","start":853.83997,"end":855.62,"sentiment":"neutral","sentiment_score":0.2650555968284607},{"text":"Yep.","start":864.815,"end":865.315,"sentiment":"neutral","sentiment_score":0.03486251458525658},{"text":"Yes, Yes.","start":871.45496,"end":874.95,"sentiment":"neutral","sentiment_score":0.07087812013924122},{"text":"Yes.","start":876.61,"end":877.11,"sentiment":"neutral","sentiment_score":-0.00917770992964506}],"sentiment":"neutral","sentiment_score":0.1917913410669336,"num_words":13,"start":853.44,"end":877.11},{"sentences":[{"text":"Absolutely.","start":890.51495,"end":891.01495,"sentiment":"neutral","sentiment_score":0.2463524341583252},{"text":"That would be great.","start":892.51495,"end":893.65497,"sentiment":"positive","sentiment_score":0.7273993939161301},{"text":"Yep.","start":908.91,"end":909.41,"sentiment":"neutral","sentiment_score":0.21320101618766785},{"text":"That's my thing.","start":918.09503,"end":919.155,"sentiment":"neutral","sentiment_score":0.1610232392946879},{"text":"I'll do something.","start":919.29504,"end":920.195,"sentiment":"neutral","sentiment_score":0.1297092710932096}],"sentiment":"positive","sentiment_score":0.3534457130978505,"num_words":12,"start":890.51495,"end":920.195},{"sentences":[{"text":"Yes.","start":940.24,"end":940.74,"sentiment":"neutral","sentiment_score":0.10840384662151337},{"text":"Yes.","start":947.795,"end":948.295,"sentiment":"neutral","sentiment_score":0.08671514689922333},{"text":"Yes.","start":957.44,"end":957.94,"sentiment":"neutral","sentiment_score":0.07038284838199615},{"text":"Well, was it well, at the moment, I think I just got the life insurance through Zurich.","start":976.115,"end":982.695,"sentiment":"neutral","sentiment_score":-0.15206323520225637},{"text":"And I think I can't can't can't do that as well, to be honest.","start":983.81,"end":987.51,"sentiment":"neutral","sentiment_score":-0.2675093912652561}],"sentiment":"neutral","sentiment_score":-0.17837366571321206,"num_words":34,"start":940.24,"end":987.51},{"sentences":[{"text":"I don't recall, to be honest.","start":988.21,"end":989.83,"sentiment":"neutral","sentiment_score":-0.19024648517370224},{"text":"The thing I want the thing I'm finding with insurance is the hell of a lot of money for very little to no value.","start":991.41003,"end":998.79004,"sentiment":"negative","sentiment_score":-0.42824998622139293},{"text":"I mean, yes, it's nice to to cover your ass for the just in case moments, but how far do you go?","start":998.985,"end":1007.805,"sentiment":"neutral","sentiment_score":0.21017017046158964},{"text":"Exactly.","start":1019.71,"end":1020.21,"sentiment":"neutral","sentiment_score":0.0993446558713913},{"text":"Yep.","start":1022.75,"end":1023.25,"sentiment":"neutral","sentiment_score":0.11370449513196944}],"sentiment":"neutral","sentiment_score":-0.12190158665180206,"num_words":54,"start":988.21,"end":1023.25},{"sentences":[{"text":"Yep.","start":1030.175,"end":1030.675,"sentiment":"neutral","sentiment_score":0.06323393434286118},{"text":"K.","start":1055.9249,"end":1056.4249,"sentiment":"neutral","sentiment_score":-0.07815636694431305},{"text":"Yep.","start":1067.445,"end":1067.945,"sentiment":"neutral","sentiment_score":0.0802319273352623},{"text":"Yep.","start":1079.1001,"end":1079.6001,"sentiment":"neutral","sentiment_score":-0.02277684025466442},{"text":"Yep.","start":1080.38,"end":1080.88,"sentiment":"neutral","sentiment_score":0.01758437231183052}],"sentiment":"neutral","sentiment_score":0.012023405358195304,"num_words":5,"start":1030.175,"end":1080.88},{"sentences":[{"text":"Yep.","start":1087.135,"end":1087.635,"sentiment":"neutral","sentiment_score":0.05603496357798576},{"text":"Absolutely.","start":1091.615,"end":1092.115,"sentiment":"neutral","sentiment_score":0.15834620594978333},{"text":"Yep.","start":1092.415,"end":1092.915,"sentiment":"neutral","sentiment_score":0.13345009088516235},{"text":"Yep.","start":1094.735,"end":1095.235,"sentiment":"neutral","sentiment_score":0.18992124497890472},{"text":"Yes.","start":1166.58,"end":1167.08,"sentiment":"neutral","sentiment_score":-0.004862241446971893}],"sentiment":"neutral","sentiment_score":0.10657805278897285,"num_words":5,"start":1087.135,"end":1167.08},{"sentences":[{"text":"Look.","start":1173.515,"end":1173.835,"sentiment":"neutral","sentiment_score":0.07861647009849548},{"text":"Considering what I do for a living, I'm happy to take on the risk.","start":1173.835,"end":1177.375,"sentiment":"neutral","sentiment_score":0.18757289009434835},{"text":"I mean, I'm working from home right now, so it's it's not it's not a difficult one to achieve, if that makes sense.","start":1177.515,"end":1186.7301,"sentiment":"neutral","sentiment_score":-0.019606520462295284},{"text":"I was not sure I maybe get into it.","start":1189.3501,"end":1191.1101,"sentiment":"neutral","sentiment_score":-0.1388792950246069},{"text":"I'm not a tradie.","start":1191.1101,"end":1192.0901,"sentiment":"neutral","sentiment_score":-0.3157091364264488}],"sentiment":"neutral","sentiment_score":-0.005079671375307382,"num_words":51,"start":1173.515,"end":1192.0901},{"sentences":[{"text":"It.","start":1199.745,"end":1200.245,"sentiment":"neutral","sentiment_score":0.03535911813378334},{"text":"Yeah.","start":1232.885,"end":1233.125,"sentiment":"neutral","sentiment_score":0.14781194925308228},{"text":"I think that that works for me.","start":1233.125,"end":1234.805,"sentiment":"neutral","sentiment_score":0.24127243672098433},{"text":"That makes sense?","start":1234.805,"end":1235.52,"sentiment":"neutral","sentiment_score":0.2512916177511215},{"text":"Yep.","start":1248.3201,"end":1248.48,"sentiment":"neutral","sentiment_score":0.06175915524363518}],"sentiment":"neutral","sentiment_score":0.20674708714851966,"num_words":13,"start":1199.745,"end":1248.48},{"sentences":[{"text":"Okay.","start":1248.48,"end":1248.98,"sentiment":"neutral","sentiment_score":0.07513489574193954},{"text":"Yep.","start":1251.795,"end":1252.295,"sentiment":"neutral","sentiment_score":0.03791707754135132},{"text":"I've got well, I've got a daughter at home, a daughter, and a son that's with their own large in front of them with their own home engine.","start":1258.1951,"end":1266.34,"sentiment":"neutral","sentiment_score":-0.014863792307940977},{"text":"Whatever you say.","start":1266.34,"end":1269.46,"sentiment":"neutral","sentiment_score":0.08053149841725826},{"text":"Yeah.","start":1269.46,"end":1269.62,"sentiment":"neutral","sentiment_score":0.06576645374298096}],"sentiment":"neutral","sentiment_score":0.00012431581340291922,"num_words":34,"start":1248.48,"end":1269.62},{"sentences":[{"text":"Yeah.","start":1269.62,"end":1269.94,"sentiment":"neutral","sentiment_score":0.027436615899205208},{"text":"Yeah.","start":1269.94,"end":1270.44,"sentiment":"neutral","sentiment_score":0.01948225125670433},{"text":"Well, we're we're pretty lucky.","start":1281.2749,"end":1283.4349,"sentiment":"neutral","sentiment_score":0.15296671465039252},{"text":"Well, I was I was pretty lucky.","start":1283.4349,"end":1285.115,"sentiment":"neutral","sentiment_score":0.3195212632417679},{"text":"I mean, Cathy's my second long term relationship, and she had the two kids when we met.","start":1285.115,"end":1291.195,"sentiment":"neutral","sentiment_score":0.15708006129545324}],"sentiment":"neutral","sentiment_score":0.18447620403622428,"num_words":31,"start":1269.62,"end":1291.195},{"sentences":[{"text":"So they were ten eleven, I think.","start":1291.195,"end":1297.48,"sentiment":"neutral","sentiment_score":0.08910277060100011},{"text":"And they sort of come in along three, two years after we got together.","start":1298.4,"end":1304.14,"sentiment":"neutral","sentiment_score":0.09690291115215846},{"text":"So the three three wasn't too bad because of those age differences, if that makes sense.","start":1304.14,"end":1310.655,"sentiment":"neutral","sentiment_score":0.10754590621218085},{"text":"So after after days, she was a bit like a a teen mom, but then actually having a baby son.","start":1310.7151,"end":1318.495,"sentiment":"neutral","sentiment_score":-0.015913980035111307},{"text":"She did that, which is pretty cool.","start":1319.76,"end":1326.46,"sentiment":"neutral","sentiment_score":0.026447768988353864}],"sentiment":"neutral","sentiment_score":0.055749209874193184,"num_words":64,"start":1291.195,"end":1326.46},{"sentences":[{"text":"That's right.","start":1330.8,"end":1331.36,"sentiment":"neutral","sentiment_score":0.08903736621141434},{"text":"Yeah.","start":1331.36,"end":1331.76,"sentiment":"neutral","sentiment_score":0.15744204819202423},{"text":"Absolutely.","start":1331.76,"end":1332.26,"sentiment":"neutral","sentiment_score":0.2620423436164856},{"text":"Yeah.","start":1336.675,"end":1337.075,"sentiment":"neutral","sentiment_score":0.11062152683734894},{"text":"Absolutely.","start":1337.075,"end":1337.575,"sentiment":"neutral","sentiment_score":0.16962197422981262}],"sentiment":"neutral","sentiment_score":0.14630043754975,"num_words":6,"start":1330.8,"end":1337.575},{"sentences":[{"text":"So it was in that in that space, it wasn't too bad.","start":1337.795,"end":1341.095,"sentiment":"neutral","sentiment_score":0.11258625735839208},{"text":"Yeah.","start":1345.155,"end":1345.315,"sentiment":"positive","sentiment_score":0.33465805649757385},{"text":"How are yours?","start":1345.315,"end":1346.0549,"sentiment":"neutral","sentiment_score":0.2513097325960795},{"text":"I always do.","start":1363.265,"end":1364.485,"sentiment":"neutral","sentiment_score":0.16506725549697876},{"text":"Yeah.","start":1364.625,"end":1365.125,"sentiment":"neutral","sentiment_score":0.16860294342041016}],"sentiment":"neutral","sentiment_score":0.15517135262489318,"num_words":20,"start":1337.795,"end":1365.125},{"sentences":[{"text":"That's a good Yeah.","start":1372.865,"end":1378.14,"sentiment":"neutral","sentiment_score":0.13097605295479298},{"text":"Cool.","start":1378.14,"end":1378.64,"sentiment":"neutral","sentiment_score":0.24446344375610352},{"text":"Just just remember me.","start":1378.94,"end":1380.3999,"sentiment":"neutral","sentiment_score":0.13654341734945774},{"text":"Yeah.","start":1380.7,"end":1380.78,"sentiment":"neutral","sentiment_score":0.15420983731746674},{"text":"I only give 18 summers with each of them, so enjoy everyone.","start":1380.78,"end":1384.24,"sentiment":"neutral","sentiment_score":0.2965165562927723}],"sentiment":"neutral","sentiment_score":0.22849771990017456,"num_words":22,"start":1372.865,"end":1384.24},{"sentences":[{"text":"Absolutely.","start":1387.1,"end":1387.6,"sentiment":"positive","sentiment_score":0.3534289002418518},{"text":"Mhmm.","start":1399.2849,"end":1399.7849,"sentiment":"neutral","sentiment_score":0.01809633895754814},{"text":"To to be honest, I'm I'm a project manager, so I go I go out and look at sites, and that's about it really to say.","start":1406.0299,"end":1412.19,"sentiment":"neutral","sentiment_score":0.022816748573229864},{"text":"I walk around the site, and then I come back to the office.","start":1412.19,"end":1414.485,"sentiment":"neutral","sentiment_score":0.03502384057411781},{"text":"That's not that's not.","start":1416.645,"end":1418.4249,"sentiment":"neutral","sentiment_score":0.018872829154133797}],"sentiment":"neutral","sentiment_score":0.03323470991518762,"num_words":45,"start":1387.1,"end":1418.4249},{"sentences":[{"text":"Nah.","start":1419.285,"end":1419.785,"sentiment":"neutral","sentiment_score":-0.02391670271754265},{"text":"Nah.","start":1420.565,"end":1420.6849,"sentiment":"neutral","sentiment_score":-0.015637487173080444},{"text":"I only do that when I get home.","start":1420.6849,"end":1422.345,"sentiment":"neutral","sentiment_score":-0.0005583455786108971},{"text":"Hence, I'm gonna be doing the unit pretty shortly.","start":1425.365,"end":1428.265,"sentiment":"neutral","sentiment_score":0.06838210630748007},{"text":"No.","start":1456.77,"end":1457.0901,"sentiment":"neutral","sentiment_score":-0.04414629936218262}],"sentiment":"neutral","sentiment_score":0.026363585144281387,"num_words":20,"start":1419.285,"end":1457.0901},{"sentences":[{"text":"So I've I've been with the government employer, but various agencies, if that makes sense, and there's been breaks in the middle, say, this employer I've been for two years.","start":1457.0901,"end":1468.2301,"sentiment":"neutral","sentiment_score":-0.02051197476685047},{"text":"Don't don't know.","start":1469.25,"end":1470.77,"sentiment":"neutral","sentiment_score":0.00010878561685482718},{"text":"It's just done.","start":1470.77,"end":1473.015,"sentiment":"neutral","sentiment_score":0.025343161076307297},{"text":"Just the basic stuff now.","start":1473.015,"end":1474.5549,"sentiment":"neutral","sentiment_score":0.021761393547058104},{"text":"I'd say it's around about yes.","start":1514.12,"end":1515.5599,"sentiment":"neutral","sentiment_score":0.0040411856801559525}],"sentiment":"neutral","sentiment_score":-0.008637219598080883,"num_words":47,"start":1457.0901,"end":1515.5599},{"sentences":[{"text":"It'd be close.","start":1515.5599,"end":1516.46,"sentiment":"neutral","sentiment_score":0.02531652959684531},{"text":"My my state.","start":1522.2,"end":1523.98,"sentiment":"neutral","sentiment_score":0.019316527371605236},{"text":"Yep.","start":1547.12,"end":1547.52,"sentiment":"neutral","sentiment_score":0.25637099146842957},{"text":"Beautiful.","start":1547.52,"end":1548.02,"sentiment":"positive","sentiment_score":0.8039871454238892},{"text":"Yeah.","start":1552.615,"end":1552.9349,"sentiment":"positive","sentiment_score":0.5600681900978088}],"sentiment":"neutral","sentiment_score":0.19492505532171991,"num_words":9,"start":1515.5599,"end":1552.9349},{"sentences":[{"text":"Thank you, man.","start":1552.9349,"end":1553.575,"sentiment":"positive","sentiment_score":0.668549100557963},{"text":"I'm I'm with Fujiko.","start":1553.575,"end":1554.6349,"sentiment":"positive","sentiment_score":0.5037948936223984},{"text":"Yeah.","start":1557.4149,"end":1557.6549,"sentiment":"neutral","sentiment_score":0.238415002822876},{"text":"My point.","start":1557.6549,"end":1558.3949,"sentiment":"neutral","sentiment_score":0.16988328099250793}],"sentiment":"positive","sentiment_score":0.45990084409713744,"num_words":10,"start":1552.9349,"end":1558.3949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Gavin\n\nChannel 0: Hi, David. My name is Larissa from Oakview Financial. How are\n\nChannel 1: speaking.\n\nChannel 0: you going?\n\nChannel 1: I'm good, man. How are you?\n\nChannel 0: Really good. Thank you. I'm the financial adviser with one of the financial advisers with the team, and I was just giving\n\nChannel 1: Yep.\n\nChannel 0: you a call following on from conversations you've had with my colleague Fabian. Have\n\nChannel 1: Yes.\n\nChannel 0: I got you at a good time? I know it was around 04:00. I know I'm a little bit early.\n\nChannel 1: Yep. I forgot. Two years.\n\nChannel 0: Perfect. Well, before I jump into it, I do need to let you know our call is recorded, if that's okay.\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Fantastic. So the whole reason for, I guess, of of what I do is I work for my client. So every client I speak to is very different because any of the goals that you set out for your life differ to anyone else.\n\nChannel 1: Yep.\n\nChannel 0: Now I know that you've provided a lot of information to team already, but what I wanna do is, I guess, break it down and make sure that I am aware of where you sit, and I'm I'm making sure that everything is, you know, in line and and I'm getting it right. So\n\nChannel 1: Yep.\n\nChannel 0: I know that at the moment, you're focusing on getting your mortgage paid off, and you sort of said that you're you're pretty open to advice to see on like, to see how you can sort of do it better or other ways that you can possibly look at how to reduce tax\n\nChannel 1: Yep.\n\nChannel 0: on things. I can see that you have investment property and a primary residence. The primary residence is completely paid off. Correct?\n\nChannel 1: Correct.\n\nChannel 0: Perfect. And then the investment property, can I ask when did we first purchase that property?\n\nChannel 1: No. I no. I'm using it.\n\nChannel 0: Eight or nine years ago? No. That's okay. Cool. So we've owned it for a while now.\n\nChannel 1: Yep.\n\nChannel 0: And have we done any major renovations to the property or any sort of anything to improve the property, you know, apart from, I guess, general maintenance?\n\nChannel 1: No. Not as yet, mate. I'm I I gave it a clean up when I first bought it, but to rent it out.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm looking building a in the backyard, there's double garage workshop and a three room office, if you like, which I'm looking at converting into a per unit\n\nChannel 0: Okay.\n\nChannel 1: in\n\nChannel 0: So,\n\nChannel 1: the next\n\nChannel 0: like,\n\nChannel 1: two\n\nChannel 0: sort of converting a granny converting it to, like, a granny flat to increase the the value of it. Yeah. Alright. Perfect.\n\nChannel 1: minutes.\n\nChannel 0: And currently, our monthly repayments are about 2,500 or 2,500. Is that just the base minimum, or is that what you actually pay on it?\n\nChannel 1: No. That's the basement, I think. I think we're paying\n\nChannel 0: Perfect.\n\nChannel 1: somewhere in 4. 3 and a half 4.\n\nChannel 0: Okay. So oh, sorry. So about 3 and a half to 4 a month is what you're paying?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Cool. So we're we're going above what we need to. That's okay. Do we have like, are we paying that off the mortgage, or is there a redraw or a offset account on it?\n\nChannel 1: No. There's no redraw offset. Oh, I can redraw on it, but there's no offset.\n\nChannel 0: Okay. No. That's okay. Cool. Alright.\n\nGood to know. That's okay. And when we took the mortgage out, we were looking at a thirty year loan at the time.\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah? And with it being rented out, what is our income that we're generating from the property at the moment?\n\nChannel 1: I I think gross is around $5.50 a week.\n\nChannel 0: Gross $5.50 a week? We have a real estate that's managing it?\n\nChannel 1: Correct.\n\nChannel 0: Yeah? Okay. Alright. So good base figures to be able to look at. Now that property is currently owned by, I would assume, both yourself and your wife?\n\nChannel 1: Correct.\n\nChannel 0: Yeah. And it's\n\nChannel 1: Yep.\n\nChannel 0: $50.50 ownership?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Cool. We don't have a trust structure or anything like that. It's just personally owned?\n\nChannel 1: Yep. Nine. Yep.\n\nChannel 0: Amazing. Now with the property, we're obviously looking at at at expanding on it and doing some work to it. Do you know how much that work's gonna cost?\n\nChannel 1: I've got a ballpark of that. 60.\n\nChannel 0: Perfect.\n\nChannel 1: It's an evil\n\nChannel 0: Okay.\n\nChannel 1: partner.\n\nChannel 0: Yeah. No. That's I know. Sometimes it blows out, and sometimes we can come in under. Now with that, how are we going to or how are we looking at getting the funds to be able to do that improvement?\n\nIs it are we looking to redraw or, like,\n\nChannel 1: Yeah.\n\nChannel 0: you know, take\n\nChannel 1: I'm\n\nChannel 0: from\n\nChannel 1: just\n\nChannel 0: the\n\nChannel 1: gonna\n\nChannel 0: equity?\n\nChannel 1: write the one.\n\nChannel 0: Redraw?\n\nChannel 1: Just\n\nChannel 0: Okay.\n\nChannel 1: yeah. Posterity mortgages. It's it's gonna put the money there to do it. So\n\nChannel 0: Perfect. No. Okay. Cool. So I just gonna take from the redraw and and\n\nChannel 1: yeah.\n\nChannel 0: and make those\n\nChannel 1: Just\n\nChannel 0: improvements.\n\nChannel 1: read this. Yep.\n\nChannel 0: K. Perfect. So we have the tax law available to be able to do it. Once the renovation's done, I assume you'll be able to get a considerable amount more for the property?\n\nChannel 1: Yeah. I'm gonna rent it out, mate. So I'm looking at so if I have oh, we're running to the two facilities as renters, so I should be able to pull I'm guessing on a pool 50 a week ahead of that. You know, once done?\n\nChannel 0: Perfect. So you're gonna increase on on how much you're generating as an income\n\nChannel 1: Absolutely.\n\nChannel 0: nearly by double, which is great. Now that'll basically put us up to a thousand dollars a week, which more than covers what we're what our minimum repayments are for the property, and we'll basically cover what you guys are paying off on the property from a, you know, from a\n\nChannel 1: Yep.\n\nChannel 0: higher repayment position. It does obviously mean that for both of you, that property is going to turn into something that is no longer it's definitely gonna be positively geared at that point.\n\nChannel 1: Yep.\n\nChannel 0: So it's going to become a bit of a tax issue for you. So definitely something we can look at in respect to how we could possibly minimize or mitigate some of those taxes.\n\nChannel 1: Yep.\n\nChannel 0: Can I ask your wife, how much does she earn if you know?\n\nChannel 1: 50 or 60 or 80.\n\nChannel 0: 50 to $60 a year? Okay. Just good to know in terms of what her income is because, obviously, if we're in different tax bracket, it'll affect us differently and something\n\nChannel 1: Yep.\n\nChannel 0: still as a unit we probably need to look at making sure that we're covering. Now outside of that, we have a two cars to caravan, and we have a little share portfolio that we've been dabbling with as well, which is great.\n\nChannel 1: The shape of polyamide is is under a grain, so now it's three parts of under a bowl.\n\nChannel 0: And it is good. Hey. We gotta start somewhere dabbling. What platform have you been using? Have you just been using, like, your bank offered\n\nChannel 1: I\n\nChannel 0: platform?\n\nChannel 1: haven't been using a platform. So the AMP shares that I've got,\n\nChannel 0: Or\n\nChannel 1: and I just get them to reinvest anything that I've filed through. So I\n\nChannel 0: perfect.\n\nChannel 1: think there's 800 odd shares or whatever. I couldn't do what they're worth. Yep.\n\nChannel 0: No. That's okay. So it's roughly 800 AMP shares that you have. That's fine. No.\n\nThat's absolutely fine. I'm assuming we've had them for a while now.\n\nChannel 1: I've had them for more years, and I can't remember.\n\nChannel 0: Did you get them through work or through previously banking with AMP? Or\n\nChannel 1: No. I think I just bought them when I was in the in the twenties and just had them roll over. Whatever\n\nChannel 0: yeah.\n\nChannel 1: the whatever the. And it's done. Well, it's done. It's done. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, if that's\n\nChannel 0: Absolutely\n\nChannel 1: okay.\n\nChannel 0: nothing wrong with that. No. That's okay. Are you happy to have them keep rolling on, or do you wanna look at doing something with that money?\n\nChannel 1: Look. I don't have to tell you the wrong one. I don't mean that I can get rid of anything, to be honest. What's my impression with these things?\n\nChannel 0: About a dollar 52.\n\nChannel 1: There you go. I've got a thousand bucks worth.\n\nChannel 0: Yeah.\n\nChannel 1: I I don't\n\nChannel 0: No.\n\nChannel 1: have it for the whole bunch. It's gonna\n\nChannel 0: That's fine.\n\nChannel 1: be\n\nChannel 0: Cool. Alright. Well, outside of that, I can see that we you wanna sort of look at getting your super to a position that's gonna benefit you. It's gonna obviously produce a a decent outcome and that we're looking at at age 70 retirement time frame. May I ask why we're looking at 70 to retire?\n\nChannel 1: because I said there was nothing I can afford it. If you can get me to retire in the next twelve months, mate, you go for it. Because I'd be very excited about it, do you?\n\nChannel 0: I would be too. Well, if I'm wrong, you're 58 this year, so\n\nChannel 1: Yeah.\n\nChannel 0: it's two years before we can access our super.\n\nChannel 1: Yep.\n\nChannel 0: Because from age 60, you're able to start accessing some of it. It also means that from age 60, there's some really cool tax saving strategies we can look at, which\n\nChannel 1: Alright.\n\nChannel 0: will be good, especially with that property increasing in\n\nChannel 1: Yeah.\n\nChannel 0: value. So that'll be really good once we turn 60. We can definitely start looking at strategizing from a tax perspective a little bit heavier just to be able to you know, always looking for ways we can pay less tax,\n\nChannel 1: Absolutely.\n\nChannel 0: but, obviously, in a way that's not going to minimize your income. Because I can see that you\n\nChannel 1: Yep.\n\nChannel 0: are very much using a lot of your income per week. We're saving about a $100 a week at the moment, which means that you're obviously relying on your income week to week, which is good. But, you know, you obviously have the mortgage that you need to pay off. So that's definitely why that's that's obviously a a need to keep that\n\nChannel 1: Yep.\n\nChannel 0: income going. Now you have said that you're wanting to about $1,500 per week to live on when you retire. Can I ask where that figures come from?\n\nChannel 1: Yep. Honestly, off the top of my head.\n\nChannel 0: Fantastic.\n\nChannel 1: It's\n\nChannel 0: That's\n\nChannel 1: a good.\n\nChannel 0: okay. Happens a lot, to be completely honest. And then I start breaking down the numbers and people go, oh, maybe not. The reason I ask that is ultimately, when I look at your income being a $125,000, that equates to about 94,200 per annum net after you pay your taxes, which breaks down to about 1,800\n\nChannel 1: Yep.\n\nChannel 0: dollars a week is what you would get in your pocket. There's some change,\n\nChannel 1: Okay.\n\nChannel 0: but 18\n\nChannel 1: Yep.\n\nChannel 0: $100. That means to me, based on the fact that you're saving a $100 a week, that you are currently living on $1,700 a week. Granted, you do have a mortgage that you are currently paying for, and that is where a lot of the money is going into.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: that obviously does account for a bit of your current need. If I remove\n\nChannel 1: Mhmm.\n\nChannel 0: that, because obviously, we wanna have that mortgage paid off, then\n\nChannel 1: Yep.\n\nChannel 0: that gives me probably a a better indication as to what your actual income need is.\n\nChannel 1: Yep. And what\n\nChannel 0: I have to do the math a little bit more to figure out what you're putting into the mortgage because you're currently\n\nChannel 1: is that?\n\nChannel 0: putting $5.50 and 52 divided by 12 gives you $23.30 $23.83 from rental income. You'll be paying every bit of couple $100 in fees to your real estate. So let's just call it 2,000 flat from there. And you said that you were currently paying $4 to your mortgage, which means that you're currently putting you're currently putting you're\n\nChannel 1: Mhmm.\n\nChannel 0: you're currently putting 2 and a half thousand dollars into your mortgage each month. So 2 and a half thousand dollars into your mortgage each\n\nChannel 1: Yes.\n\nChannel 0: Yes. Sorry. I am definitely here. You're totally I am\n\nChannel 1: It's okay. You you gotta figure 2 and a half that I'm paying on the mortgage per month. Is that right?\n\nChannel 0: Yep. You said the minimum repayments are 2 and a half thousand, and then you're paying 4,000 a month.\n\nChannel 1: I think the minimum is up to 3, not 2 and a half.\n\nChannel 0: Apologies. So the minimum\n\nChannel 1: That's okay.\n\nChannel 0: is 3 and a half.\n\nChannel 1: I think so. Yeah.\n\nChannel 0: Okay. Sorry. There's where my numbers are wrong. Okay. So the minimum is 3 and a half.\n\nYour renters are basically covering two of that, so you're currently putting an extra at a minimum, putting an extra 1,500 in to make that repayment.\n\nChannel 1: Yep.\n\nChannel 0: So if you didn't have like, if you're if you didn't have the mortgage anymore, you would be able to get rid of $1,500 out of your your overall need\n\nChannel 1: Yep.\n\nChannel 0: per month, which would realistically mean that you need $2 a month, which equates down to about $500 a week,\n\nChannel 1: It should be very cool.\n\nChannel 0: which is very, very cool. Yeah. So, I mean, there you go. So it's even less than what we thought in terms of the need, but that's not really leaving much for you to travel or do anything in your retirement if that's something that you're wanting to do.\n\nChannel 1: Well, it is. I mean okay. Well, if that's the case, if I only need $500 a month\n\nChannel 0: A week.\n\nChannel 1: sorry.\n\nChannel 0: Week.\n\nChannel 1: Five\n\nChannel 0: Week.\n\nChannel 1: hundred\n\nChannel 0: Week.\n\nChannel 1: dollars\n\nChannel 0: Week.\n\nChannel 1: a week.\n\nChannel 0: Yep.\n\nChannel 1: Yep. To survive. And I can get this place next to a paid off, and that's pulling a thousand dollars a week.\n\nChannel 0: That's already gonna pull a thousand. Yep.\n\nChannel 1: Plus plus whatever I can put out my super per week. I don't wanna be rolling in.\n\nChannel 0: You're gonna be quite comfortable. Yeah. Don't be wrong.\n\nChannel 1: Absolutely.\n\nChannel 0: It's my it's my rough paper math while I'm talking and thinking and not while I'm\n\nChannel 1: Yep.\n\nChannel 0: just thinking with numbers.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, it seems to be pretty kosher, to be honest. So\n\nChannel 1: That that would be awesome. That would be amazing.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Now now I'm getting a little bit excited.\n\nChannel 0: Good. That's without me factoring in your wife's income and what she currently brings and the needs there and, you know, that side\n\nChannel 1: Yep.\n\nChannel 0: of things. But you are obviously earning a bit more than what she is. You said you were she was sort of around that\n\nChannel 1: Yes,\n\nChannel 0: $60 a month $60 mark. So,\n\nChannel 1: Yes.\n\nChannel 0: you know, your income is basically double that.\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, whatever she's bringing in would obviously need to be factored in a little bit. But, yeah, it means that that property, you know, we just need to look at getting that paid off so that way we can have\n\nChannel 1: Absolutely.\n\nChannel 0: that working.\n\nChannel 1: That would\n\nChannel 0: Cool.\n\nChannel 1: be great.\n\nChannel 0: Perfect. Well, I'm gonna sit with the numbers a little bit, obviously, have a look at what that looks like. I'll obviously actually factor in some decent, you know, saving and putting away for the rental costs and what that looks\n\nChannel 1: Yep.\n\nChannel 0: like from a realistic point of view. We have real estate fees and stuff like that. I just I I ballpark it. I pay I napkin math it.\n\nChannel 1: That's my thing. I'll do\n\nChannel 0: Yep.\n\nChannel 1: something.\n\nChannel 0: Yeah. So I'll actually sit down and have a look at the numbers properly and go from there. But aside from that, with regards to, I guess, the other goals you had, I know you wanted to do some traveling and you just want to be comfortable, which we've obviously sort of worked out that we could possibly be pretty well on track to do because of\n\nChannel 1: Yes.\n\nChannel 0: that rental property, but we need to still be realistic about making sure we put money away to deal with any problems that properties come with.\n\nChannel 1: Yes.\n\nChannel 0: And then aside from that, I know that you were pretty open to looking at your insurance stuff as well. Now currently, you're with Bryte Super, and you currently\n\nChannel 1: Yes.\n\nChannel 0: have a life insurance only policy. This is no insurance on protecting you from a disability point of view. Are you wanting to look at all covers? Are you wanting to look at disability cover? Or are you comfortable to just look at, like, life insurance from a stand alone point of view?\n\nI guess,\n\nChannel 1: Well,\n\nChannel 0: to\n\nChannel 1: was\n\nChannel 0: explain\n\nChannel 1: it\n\nChannel 0: it. Yeah. Sorry.\n\nChannel 1: well, at the moment, I think I just got the life insurance through Zurich. And I think I can't can't can't do that as well, to be honest. I don't recall, to be honest.\n\nChannel 0: Yeah.\n\nChannel 1: The\n\nChannel 0: Let\n\nChannel 1: thing\n\nChannel 0: let\n\nChannel 1: I\n\nChannel 0: me\n\nChannel 1: want\n\nChannel 0: you know.\n\nChannel 1: the thing I'm finding with insurance is the hell of a lot of money for very little to no value. I mean, yes, it's nice to to cover your ass for the just in case moments, but how far do you go?\n\nChannel 0: Yeah. Correct. And sometimes it it is that, you know, it's the just in case. It's the it's insurance is risk mitigation. That's all it is.\n\nThe same reason\n\nChannel 1: Exactly.\n\nChannel 0: we have house insurance and car insurance because\n\nChannel 1: Yep.\n\nChannel 0: it's it's the just in case we end up running up the back of the Lamborghini that's worth half $1,000,000 or the $2,000,000 house.\n\nChannel 1: Yep.\n\nChannel 0: Realistically, if anything happened to you right now, your wife could theoretically liquidate the investment property. She has a fully paid off mortgage. She's gonna walk away with your superannuation funds, and her lifestyle will not be what you guys were set out to do, but it's possibly manageable ish. She's\n\nChannel 1: K.\n\nChannel 0: not gonna get a great deal from the property sale, but she'll probably walk away with a decent $150,000 after all the sales stuff.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Close to 200,000. After all the sales stuff goes through, the mortgage is paid off and everything like that, plus your superannuation fund. So let's just call it 400,000 e let's just call it 400,000. I know it's a little\n\nChannel 1: Yep.\n\nChannel 0: bit less. So that 6\n\nChannel 1: Yep.\n\nChannel 0: $100,000 she'll walk away with, plus currently, you have $317,000 with a life insurance policy. So all\n\nChannel 1: Yep.\n\nChannel 0: in all, she's walking away with just over $900,000\n\nChannel 1: Absolutely. Yep.\n\nChannel 0: when you look at all of it.\n\nChannel 1: Yep.\n\nChannel 0: She's gonna live quite happily, especially if she's in and around the same age as you are and she's, you know, looking at 60 a couple years. So, realistically, what that means is that maybe she will just knock you off in your no. I'm kidding. I'm kidding. She could.\n\nNo. So, I mean, what that means is that she is gonna be quite probably comfortable with that amount. But you're right. You're currently paying a million thousand dollars for 317,000 in insurance. So, you know, premium paid versus benefit received is pretty comparable.\n\nBut could we do better? Do we really need that much? Do we wanna protect you if you're never able to work again? Being that you're, you know, two years and two months away from turning 60, is that something we need to focus on? Is that something that you're concerned about, getting ill or injured and never working again?\n\nThese are all questions that are stuff that you definitely need to answer. I can then investigate, but\n\nChannel 1: Yes.\n\nChannel 0: it's something you need to be comfortable with either taking on the risk or paying for the insurance.\n\nChannel 1: Look. Considering what I do for a living, I'm happy to take on the risk. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: I'm working from home right now, so\n\nChannel 0: You're pretty sedentary.\n\nChannel 1: it's it's not it's not a difficult one to achieve, if that makes\n\nChannel 0: No.\n\nChannel 1: sense.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: I was not sure I maybe get into\n\nChannel 0: And\n\nChannel 1: it. I'm not a tradie.\n\nChannel 0: yeah. You kind of said bad back or have you out of work forever. Cool.\n\nChannel 1: It.\n\nChannel 0: Well, do you do you want me to look at lower amounts of life insurance? Because realistically speaking, I think if we just cover the mortgage on that investment property so, like, the you have nearly 400,000 in your super fund. If I look at, say, a 100 to $150,000 worth of life insurance, which with those two benefits combined will more than adequately pay off the the investment property, it means that your wife would then have residual income coming in.\n\nChannel 1: Yeah. I think that that works for me. That makes\n\nChannel 0: Perfect.\n\nChannel 1: sense?\n\nChannel 0: Amazing. Alright. So I'll look at just basically covering off the investment property, making sure that we're looking at the best premiums around and and cost effective in that nature. I'll look at life insurance only. So\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: way, we're just we're just looking after the missus and the kid.\n\nChannel 1: Yep.\n\nChannel 0: May I ask, do you have a son or a daughter?\n\nChannel 1: I've got well, I've got a daughter at home, a daughter, and a son that's with their own large in front of them with their own home engine. Whatever you\n\nChannel 0: Oh, you've got the three of them. Beautiful.\n\nChannel 1: say. Yeah. Yeah. Yeah.\n\nChannel 0: I have to ask because I'm I'm a mom of three. How did you find three? I found coming from I don't know. Three just created chaos. Beautiful chaos.\n\nDon't get me wrong, but it did create\n\nChannel 1: Well, we're we're pretty lucky. Well, I was I was pretty lucky. I mean, Cathy's my second long term relationship, and she had the two kids when we met. So they were ten eleven, I\n\nChannel 0: Yeah.\n\nChannel 1: think. And they sort of come in along three, two years after we got together. So the three three wasn't too bad because of those age differences, if that makes sense. So\n\nChannel 0: Yeah. Yeah. No. I I get\n\nChannel 1: after\n\nChannel 0: it.\n\nChannel 1: after days, she was a bit like a a teen mom, but then actually having a baby son. She did that, which is pretty\n\nChannel 0: Yeah. No. Yeah. Definitely. It was well, yeah.\n\nBy the time\n\nChannel 1: cool.\n\nChannel 0: you had your youngest, you would have had, like, 15 and and 12 at that point. So\n\nChannel 1: That's right. Yeah. Absolutely.\n\nChannel 0: so, yeah, you would have you would have had definite help.\n\nChannel 1: Yeah. Absolutely. So it was in that in that space, it wasn't too bad.\n\nChannel 0: Oh, that's good. No. That's beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: I love\n\nChannel 1: How are\n\nChannel 0: that.\n\nChannel 1: yours?\n\nChannel 0: 13 seven five. Okay. Still in the thick of it, but now I'm I'm, you know, going through that that beautiful turn of life called puberty. So,\n\nChannel 1: I always do. Yeah.\n\nChannel 0: yes, very, very much. Just very lucky that my eldest is a is a boy, so it hasn't been too bad to be completely honest with you.\n\nChannel 1: That's a good\n\nChannel 0: Not so much looking forward to my daughter, but that's okay.\n\nChannel 1: Yeah. Cool. Just just\n\nChannel 0: Yeah.\n\nChannel 1: remember me. Yeah. I only give 18 summers with each of them, so enjoy everyone.\n\nChannel 0: That's it. 100%. That's why\n\nChannel 1: Absolutely.\n\nChannel 0: I make my way home every night. Perfect. Now I did have one question to do with your occupation just because I have 70% office and 30% field.\n\nChannel 1: Mhmm.\n\nChannel 0: With the field work, are we actually out in the field, or we what are we doing with that?\n\nChannel 1: To to be honest, I'm I'm a project manager, so I go I go out and look at sites, and that's about it really to say. I walk around the site, and then I come back to the office.\n\nChannel 0: Yeah. Cool. Absolutely perfect.\n\nChannel 1: That's not\n\nChannel 0: We don't touch\n\nChannel 1: that's\n\nChannel 0: a\n\nChannel 1: not.\n\nChannel 0: tool or anything\n\nChannel 1: Nah.\n\nChannel 0: like that?\n\nChannel 1: Nah. I only do that when I get home. Hence, I'm gonna be doing the unit pretty shortly.\n\nChannel 0: Absolutely. That is perfect. No. Absolutely. Amazing.\n\nCool. So we're pretty much, like, all office work, a little bit of field work, but that's fine as long as we're not touching touching any tools. Whatever we do at home is fine. The other question I had, 20 with the same employer and government work where we have some decent long service leaves banked up annually as well?\n\nChannel 1: No. So I've I've been with the government employer, but various agencies, if that makes sense, and there's been breaks in the middle, say, this\n\nChannel 0: Yep.\n\nChannel 1: employer I've been for two years.\n\nChannel 0: Alright. Cool.\n\nChannel 1: Don't don't\n\nChannel 0: That's fine.\n\nChannel 1: know. It's just done. Just the basic stuff now.\n\nChannel 0: Yeah. No. Perfect. That's absolutely fine. Cool.\n\nAmazing. Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go. I will start having a look into the superannuation, other, like, investment options we can look at. I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side. I just wanted to ask because 6% flat is pretty rare.\n\nIs it actually 6% flat on the investment property mortgage, or was that just a roundabout guess?\n\nChannel 1: I'd say it's around about yes. It'd be close.\n\nChannel 0: That's okay. Can I who's your mortgage provider? We are lender lender.\n\nChannel 1: My my state.\n\nChannel 0: My state. Cool. That's fine. I will have a look at what their rates are sitting at and go from there. Perfect.\n\nThat gives me everything that I need to kinda start running off and having a look. So I'll start putting everything together, and then when we speak next, I'll have what's called a statement of advice put together that basically outlines the advice that I have put together for you. Okay?\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Amazing. Thank you so much for your time today, David. I really appreciate it.\n\nChannel 1: Yeah. Thank you, man. I'm I'm with Fujiko.\n\nChannel 0: Amazing. We'll speak soon.\n\nChannel 1: Yeah. My point.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello, Gavin","start":0.64,"end":1.46,"sentiment":"neutral","sentiment_score":0.0743536651134491}],"sentiment":"neutral","sentiment_score":0.0743536651134491,"channel":1,"num_words":2,"start":0.64,"end":1.46},{"sentences":[{"text":"Hi, David.","start":4.08,"end":5.12,"sentiment":"neutral","sentiment_score":0.10671686753630638},{"text":"My name is Larissa from Oakview Financial.","start":5.12,"end":6.96,"sentiment":"neutral","sentiment_score":0.1066530208502497},{"text":"How are","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.1493709534406662}],"sentiment":"neutral","sentiment_score":0.11443152617324483,"channel":0,"num_words":11,"start":4.08,"end":7.2799997},{"sentences":[{"text":"speaking.","start":7.2799997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.15042072534561157}],"sentiment":"neutral","sentiment_score":0.15042072534561157,"channel":1,"num_words":1,"start":7.2799997,"end":7.7799997},{"sentences":[{"text":"you going?","start":7.2799997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.15167633444070816}],"sentiment":"neutral","sentiment_score":0.15167633444070816,"channel":0,"num_words":2,"start":7.2799997,"end":7.8599997},{"sentences":[{"text":"I'm good, man.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.5451690057913462},{"text":"How are 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anything","start":1417.925,"end":1419.365,"sentiment":"neutral","sentiment_score":-0.019506219774484634}],"sentiment":"neutral","sentiment_score":-0.019506219774484634,"channel":0,"num_words":3,"start":1417.925,"end":1419.365},{"sentences":[{"text":"Nah.","start":1419.285,"end":1419.785,"sentiment":"neutral","sentiment_score":-0.02391670271754265}],"sentiment":"neutral","sentiment_score":-0.02391670271754265,"channel":1,"num_words":1,"start":1419.285,"end":1419.785},{"sentences":[{"text":"like that?","start":1419.365,"end":1420.1051,"sentiment":"neutral","sentiment_score":-0.01543757226318121}],"sentiment":"neutral","sentiment_score":-0.01543757226318121,"channel":0,"num_words":2,"start":1419.365,"end":1420.1051},{"sentences":[{"text":"Nah.","start":1420.565,"end":1420.6849,"sentiment":"neutral","sentiment_score":-0.015637487173080444},{"text":"I only do that when I get home.","start":1420.6849,"end":1422.345,"sentiment":"neutral","sentiment_score":-0.0005583455786108971},{"text":"Hence, I'm gonna be doing the unit pretty shortly.","start":1425.365,"end":1428.265,"sentiment":"neutral","sentiment_score":0.06838210630748007}],"sentiment":"neutral","sentiment_score":0.03307415027585295,"channel":1,"num_words":18,"start":1420.565,"end":1428.265},{"sentences":[{"text":"Absolutely.","start":1428.98,"end":1429.48,"sentiment":"neutral","sentiment_score":0.29188302159309387},{"text":"That is perfect.","start":1431.7,"end":1432.9199,"sentiment":"positive","sentiment_score":0.3571878174940745},{"text":"No.","start":1433.0599,"end":1433.46,"sentiment":"neutral","sentiment_score":0.0954074114561081},{"text":"Absolutely.","start":1433.46,"end":1433.96,"sentiment":"neutral","sentiment_score":0.20990580320358276},{"text":"Amazing.","start":1434.1799,"end":1434.6799,"sentiment":"positive","sentiment_score":0.3403804302215576}],"sentiment":"neutral","sentiment_score":0.28702001699379515,"channel":0,"num_words":7,"start":1428.98,"end":1434.6799},{"sentences":[{"text":"Cool.","start":1434.74,"end":1435.1399,"sentiment":"neutral","sentiment_score":0.26182442903518677},{"text":"So we're pretty much, like, all office work, a little bit of field work, but that's fine as long as we're not touching touching any tools.","start":1435.1399,"end":1443.145,"sentiment":"neutral","sentiment_score":0.11018849694384979},{"text":"Whatever we do at home is fine.","start":1443.145,"end":1444.685,"sentiment":"neutral","sentiment_score":0.11964557319879532},{"text":"The other question I had, 20 with the same employer and government work where we have some decent long service leaves banked up annually as well?","start":1445.625,"end":1455.96,"sentiment":"neutral","sentiment_score":0.0017172504359712969}],"sentiment":"neutral","sentiment_score":0.0668148812217017,"channel":0,"num_words":60,"start":1434.74,"end":1455.96},{"sentences":[{"text":"No.","start":1456.77,"end":1457.0901,"sentiment":"neutral","sentiment_score":-0.04414629936218262},{"text":"So I've I've been with the government employer, but various agencies, if that makes sense, and there's been breaks in the middle, say, this","start":1457.0901,"end":1465.9701,"sentiment":"neutral","sentiment_score":-0.020513156816984218}],"sentiment":"neutral","sentiment_score":-0.021458482518792153,"channel":1,"num_words":25,"start":1456.77,"end":1465.9701},{"sentences":[{"text":"Yep.","start":1465.72,"end":1466.22,"sentiment":"neutral","sentiment_score":-0.010534103028476238}],"sentiment":"neutral","sentiment_score":-0.010534103028476238,"channel":0,"num_words":1,"start":1465.72,"end":1466.22},{"sentences":[{"text":"employer I've been for two years.","start":1465.9701,"end":1468.2301,"sentiment":"neutral","sentiment_score":-0.02050724656631549}],"sentiment":"neutral","sentiment_score":-0.02050724656631549,"channel":1,"num_words":6,"start":1465.9701,"end":1468.2301},{"sentences":[{"text":"Alright.","start":1468.615,"end":1469.095,"sentiment":"neutral","sentiment_score":0.04572227597236633},{"text":"Cool.","start":1469.095,"end":1469.4149,"sentiment":"neutral","sentiment_score":0.059699125587940216}],"sentiment":"neutral","sentiment_score":0.052710700780153275,"channel":0,"num_words":2,"start":1468.615,"end":1469.4149},{"sentences":[{"text":"Don't don't","start":1469.25,"end":1469.8301,"sentiment":"neutral","sentiment_score":-0.004223813768476247}],"sentiment":"neutral","sentiment_score":-0.004223813768476247,"channel":1,"num_words":2,"start":1469.25,"end":1469.8301},{"sentences":[{"text":"That's fine.","start":1469.4149,"end":1470.715,"sentiment":"neutral","sentiment_score":-0.0024418747052550307}],"sentiment":"neutral","sentiment_score":-0.0024418747052550307,"channel":0,"num_words":2,"start":1469.4149,"end":1470.715},{"sentences":[{"text":"know.","start":1470.29,"end":1470.77,"sentiment":"neutral","sentiment_score":0.008773984387516975},{"text":"It's just done.","start":1470.77,"end":1473.015,"sentiment":"neutral","sentiment_score":0.025343161076307297},{"text":"Just the basic stuff now.","start":1473.015,"end":1474.5549,"sentiment":"neutral","sentiment_score":0.021761393547058104}],"sentiment":"neutral","sentiment_score":0.0215122705946366,"channel":1,"num_words":9,"start":1470.29,"end":1474.5549},{"sentences":[{"text":"Yeah.","start":1475.015,"end":1475.495,"sentiment":"neutral","sentiment_score":0.01791016384959221},{"text":"No.","start":1475.495,"end":1475.975,"sentiment":"neutral","sentiment_score":0.026848062872886658},{"text":"Perfect.","start":1475.975,"end":1476.475,"sentiment":"neutral","sentiment_score":0.1988810896873474},{"text":"That's absolutely fine.","start":1476.535,"end":1477.9149,"sentiment":"neutral","sentiment_score":0.238790030280749},{"text":"Cool.","start":1478.2949,"end":1478.7949,"sentiment":"positive","sentiment_score":0.38797590136528015}],"sentiment":"neutral","sentiment_score":0.19256932980247907,"channel":0,"num_words":7,"start":1475.015,"end":1478.7949},{"sentences":[{"text":"Amazing.","start":1479.895,"end":1480.375,"sentiment":"positive","sentiment_score":0.4129546880722046},{"text":"Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go.","start":1480.375,"end":1487.5399,"sentiment":"neutral","sentiment_score":0.17042385109446265},{"text":"I will start having a look into the superannuation, other, like, investment options we can look at.","start":1487.6,"end":1493.6799,"sentiment":"neutral","sentiment_score":0.10394596615258385},{"text":"I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side.","start":1493.6799,"end":1504.205,"sentiment":"neutral","sentiment_score":0.10052329467402564},{"text":"I just wanted to ask because 6% flat is pretty rare.","start":1504.505,"end":1507.725,"sentiment":"neutral","sentiment_score":-0.0031962182203477078}],"sentiment":"neutral","sentiment_score":0.11036322298101507,"channel":0,"num_words":78,"start":1479.895,"end":1507.725},{"sentences":[{"text":"Is it actually 6% flat on the investment property mortgage, or was that just a roundabout guess?","start":1507.945,"end":1513.085,"sentiment":"neutral","sentiment_score":-0.016689481980660382}],"sentiment":"neutral","sentiment_score":-0.016689481980660382,"channel":0,"num_words":17,"start":1507.945,"end":1513.085},{"sentences":[{"text":"I'd say it's around about yes.","start":1514.12,"end":1515.5599,"sentiment":"neutral","sentiment_score":0.0040411856801559525},{"text":"It'd be close.","start":1515.5599,"end":1516.46,"sentiment":"neutral","sentiment_score":0.02531652959684531}],"sentiment":"neutral","sentiment_score":0.011132966985719072,"channel":1,"num_words":9,"start":1514.12,"end":1516.46},{"sentences":[{"text":"That's okay.","start":1517.19,"end":1517.75,"sentiment":"neutral","sentiment_score":0.048328762874007225},{"text":"Can I who's your mortgage provider?","start":1517.75,"end":1520.1699,"sentiment":"neutral","sentiment_score":0.011194275536884865},{"text":"We are lender lender.","start":1520.39,"end":1522.25,"sentiment":"neutral","sentiment_score":0.010352953104302287}],"sentiment":"neutral","sentiment_score":0.017102915948877733,"channel":0,"num_words":12,"start":1517.19,"end":1522.25},{"sentences":[{"text":"My my 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there.","start":1526.5349,"end":1530.315,"sentiment":"neutral","sentiment_score":0.10274661239236593},{"text":"Perfect.","start":1531.2549,"end":1531.7549,"sentiment":"positive","sentiment_score":0.4666244387626648}],"sentiment":"neutral","sentiment_score":0.11820772425694899,"channel":0,"num_words":22,"start":1524.47,"end":1531.7549},{"sentences":[{"text":"That gives me everything that I need to kinda start running off and having a look.","start":1532.0549,"end":1536.1349,"sentiment":"neutral","sentiment_score":0.3079251549206674},{"text":"So I'll start putting everything together, and then when we speak next, I'll have what's called a statement of advice put together that basically outlines the advice that I have put together for you.","start":1536.1349,"end":1546.15,"sentiment":"neutral","sentiment_score":0.19473467832979033},{"text":"Okay?","start":1546.15,"end":1546.65,"sentiment":"neutral","sentiment_score":0.1050909459590912}],"sentiment":"neutral","sentiment_score":0.22848769584122827,"channel":0,"num_words":51,"start":1532.0549,"end":1546.65},{"sentences":[{"text":"Yep.","start":1547.12,"end":1547.52,"sentiment":"neutral","sentiment_score":0.25637099146842957},{"text":"Beautiful.","start":1547.52,"end":1548.02,"sentiment":"positive","sentiment_score":0.8039871454238892}],"sentiment":"positive","sentiment_score":0.5301790684461594,"channel":1,"num_words":2,"start":1547.12,"end":1548.02},{"sentences":[{"text":"Amazing.","start":1548.79,"end":1549.27,"sentiment":"positive","sentiment_score":0.8295910358428955},{"text":"Thank you so much for your time today, David.","start":1549.27,"end":1551.03,"sentiment":"positive","sentiment_score":0.8796929981973436},{"text":"I really appreciate 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soon.","start":1555.825,"end":1556.8049,"sentiment":"positive","sentiment_score":0.5573489268620809}],"sentiment":"positive","sentiment_score":0.6048508882522583,"channel":0,"num_words":4,"start":1555.4249,"end":1556.8049},{"sentences":[{"text":"Yeah.","start":1557.4149,"end":1557.6549,"sentiment":"neutral","sentiment_score":0.238415002822876},{"text":"My point.","start":1557.6549,"end":1558.3949,"sentiment":"neutral","sentiment_score":0.16988328099250793}],"sentiment":"neutral","sentiment_score":0.19272718826929727,"channel":1,"num_words":3,"start":1557.4149,"end":1558.3949},{"sentences":[{"text":"Bye.","start":1558.7849,"end":1559.2849,"sentiment":"neutral","sentiment_score":-0.09904541820287704}],"sentiment":"neutral","sentiment_score":-0.09904541820287704,"channel":0,"num_words":1,"start":1558.7849,"end":1559.2849}]},"summary":{"result":"success","short":"The speaker discusses their investment property and retirement plans with another person, including their income and expenses, income, and expenses. They mention potential improvements to the property, potential tax issues, and redrawing offset accounts. They also discuss their retirement plans, including their mortgage and monthly mortgage fees, and their income and insurance policy. The speaker provides their income and retirement plans, including their mortgage and rental property, and discusses their retirement plans and financial situation, including their mortgage and rental property. They also mention their desire to protect themselves from insurance claims and their daughter's struggles with puberty. The agent provides advice on their mortgage and property insurance, including their retirement plans and the possibility of reducing income."},"intents":{"segments":[{"text":"Well, before I jump into it, I do need to let you know our call is recorded, if that's okay. Yep.","start_word":86,"end_word":106,"intents":[{"intent":"Inform about call recording","confidence_score":0.011545386}]},{"text":"So the whole reason for, I guess, of of what I do is I work for my client. So every client I speak to is very different because any of the goals that you set out for your life differ to anyone else. Yep.","start_word":110,"end_word":153,"intents":[{"intent":"Ask about mortgage goals","confidence_score":0.00015854528}]},{"text":"I can see that you have investment property and a primary residence. The primary residence is completely paid off. Correct? Correct. Perfect.","start_word":265,"end_word":286,"intents":[{"intent":"Confirm ownership of property","confidence_score":0.090587825},{"intent":"Confirm ownership of property","confidence_score":0.038800284},{"intent":"Identify property ownership","confidence_score":0.0027161688}]},{"text":"And I'm looking building a in the backyard, there's double garage workshop and a three room office, if you like, which I'm looking at converting into a per unit Okay. in So, the next like, two sort of converting a granny converting it to, like, a granny flat to increase the the value of it. Yeah.","start_word":377,"end_word":432,"intents":[{"intent":"Convert property","confidence_score":0.34736452}]},{"text":"And currently, our monthly repayments are about 2,500 or 2,500. Is that just the base minimum, or is that what you actually pay on it? No.","start_word":436,"end_word":461,"intents":[{"intent":"Calculate monthly repayments","confidence_score":0.021592638}]},{"text":"So you're gonna increase on on how much you're generating as an income Absolutely.","start_word":904,"end_word":917,"intents":[{"intent":"Evaluate property benefits","confidence_score":0.00141689}]},{"text":"Can I ask your wife, how much does she earn if you know? 50 or 60 or 80.","start_word":1040,"end_word":1057,"intents":[{"intent":"Assess income level","confidence_score":0.0032119306}]},{"text":"If you can get me to retire in the next twelve months, mate, you go for it.","start_word":1461,"end_word":1477,"intents":[{"intent":"Evaluate retirement plans","confidence_score":0.02870534}]},{"text":"The reason I ask that is ultimately, when I look at your income being a $125,000, that equates to about 94,200 per annum net after you pay your taxes, which breaks down to about 1,800 Yep.","start_word":1742,"end_word":1777,"intents":[{"intent":"Consolidate income information","confidence_score":0.00014823854}]},{"text":"That's without me factoring in your wife's income and what she currently brings and the needs there and, you know, that side Yep. of things. But you are obviously earning a bit more than what she is. You said you were she was sort of around that Yes, $60 a month $60 mark. So, Yes. you know, your income is basically double that. Yes.","start_word":2371,"end_word":2434,"intents":[{"intent":"Discuss income and financial needs","confidence_score":0.00058719236}]},{"text":"We have real estate fees and stuff like that.","start_word":2533,"end_word":2541,"intents":[{"intent":"Discussing costs","confidence_score":0.008352349}]},{"text":"Now currently, you're with Bryte Super, and you currently Yes. have a life insurance only policy. This is no insurance on protecting you from a disability point of view. Are you wanting to look at all covers? Are you wanting to look at disability cover? Or are you comfortable to just look at, like, life insurance from a stand alone point of view?","start_word":2676,"end_word":2738,"intents":[{"intent":"Discussing insurance coverage options","confidence_score":0.00066782534},{"intent":"Discussing insurance options","confidence_score":0.064664416}]},{"text":"I mean, yes, it's nice to to cover your ass for the just in case moments, but how far do you go? Yeah.","start_word":2814,"end_word":2836,"intents":[{"intent":"Cover ass","confidence_score":0.6367559}]},{"text":"we have house insurance and car insurance because Yep. it's it's the just in case we end up running up the back of the Lamborghini that's worth half $1,000,000 or the $2,000,000 house. Yep.","start_word":2865,"end_word":2898,"intents":[{"intent":"Liquidate and manage house insurance","confidence_score":0.000050939456}]},{"text":"So let's just call it 400,000 e let's just call it 400,000.","start_word":3000,"end_word":3011,"intents":[{"intent":"Calculate 400,000","confidence_score":0.014359826},{"intent":"Calculate 400,000","confidence_score":0.031398598}]},{"text":"You're currently paying a million thousand dollars for 317,000 in insurance. So, you know, premium paid versus benefit received is pretty comparable.","start_word":3133,"end_word":3154,"intents":[{"intent":"Calculate cost","confidence_score":0.061024223},{"intent":"Consolidate insurance rates","confidence_score":0.0000138926525}]},{"text":"Do we wanna protect you if you're never able to work again? Being that you're, you know, two years and two months away from turning 60, is that something we need to focus on? Is that something that you're concerned about, getting ill or injured and never working again?","start_word":3166,"end_word":3214,"intents":[{"intent":"Focus on protecting","confidence_score":0.0002558944}]},{"text":"I can then investigate, but Yes. it's something you need to be comfortable with either taking on the risk or paying for the insurance. Look.","start_word":3228,"end_word":3252,"intents":[{"intent":"Explore options of coverage","confidence_score":0.000019152852}]},{"text":"Well, do you do you want me to look at lower amounts of life insurance? Because realistically speaking, I think if we just cover the mortgage on that investment property so, like, the you have nearly 400,000 in your super fund. If I look at, say, a 100 to $150,000 worth of life insurance, which with those two benefits combined will more than adequately pay off the the investment property, it means that your wife would then have residual income coming in. Yeah.","start_word":3327,"end_word":3409,"intents":[{"intent":"Explore costs of life insurance","confidence_score":0.0027119052},{"intent":"Consider reducing life insurance coverage","confidence_score":0.00018528845}]},{"text":"How did you find three?","start_word":3538,"end_word":3542,"intents":[{"intent":"Find three","confidence_score":0.06307236}]},{"text":"Well, I was I was pretty lucky. I mean, Cathy's my second long term relationship, and she had the two kids when we met. So they were ten eleven, I Yeah. think. And they sort of come in along three, two years after we got together. So the three three wasn't too bad because of those age differences, if that makes sense. So Yeah.","start_word":3569,"end_word":3632,"intents":[{"intent":"Explain experience","confidence_score":0.0038382998}]},{"text":"And they sort of come in along three, two years after we got together. So the three three wasn't too bad because of those age differences, if that makes sense. So Yeah.","start_word":3601,"end_word":3632,"intents":[{"intent":"Clarify age difference","confidence_score":0.0006111202}]},{"text":"No. That's beautiful. Yeah.","start_word":3725,"end_word":3728,"intents":[{"intent":"Express gratitude","confidence_score":0.1864993}]},{"text":"I love How are that. yours?","start_word":3729,"end_word":3734,"intents":[{"intent":"Express joy","confidence_score":0.015944766}]},{"text":"I love How are that. yours? 13 seven five.","start_word":3729,"end_word":3737,"intents":[{"intent":"Confirm personal preferences","confidence_score":0.00009557414}]},{"text":"I only give 18 summers with each of them, so enjoy everyone. That's it. 100%.","start_word":3815,"end_word":3829,"intents":[{"intent":"Discuss future plans","confidence_score":0.005288375}]},{"text":"Now I did have one question to do with your occupation just because I have 70% office and 30% field. Mhmm.","start_word":3841,"end_word":3861,"intents":[{"intent":"Ask question","confidence_score":0.0046009454},{"intent":"Clarify job preference","confidence_score":0.000101609876},{"intent":"Discuss field work occupation","confidence_score":0.00023269592}]},{"text":"Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go. I will start having a look into the superannuation, other, like, investment options we can look at. I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side.","start_word":4078,"end_word":4143,"intents":[{"intent":"Guide discussion","confidence_score":0.0000772849}]}]},"sentiments":{"segments":[{"text":"Hello, Gavin Hi, David. My name is Larissa from Oakview Financial. How are you speaking. going?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1144477128982544},{"text":"I'm good, man. How are you? Really good. Thank you.","start_word":16,"end_word":25,"sentiment":"positive","sentiment_score":0.5725943446159363},{"text":"I'm the financial adviser with one of the financial advisers with the team, and I was just giving Yep. you a call following on from conversations you've had with my colleague Fabian. Have Yes. I got you at a good time? I know it was around 04:00. I know I'm a little bit early. Yep. I forgot. Two years. Perfect. Well, before I jump into it, I do need to let you know our call is recorded, if that's okay. Yep. That's correct.","start_word":26,"end_word":108,"sentiment":"neutral","sentiment_score":0.0863572433590889},{"text":"Fantastic.","start_word":109,"end_word":109,"sentiment":"positive","sentiment_score":0.6337182521820068},{"text":"So the whole reason for, I guess, of of what I do is I work for my client. So every client I speak to is very different because any of the goals that you set out for your life differ to anyone else. Yep. Now I know that you've provided a lot of information to team already, but what I wanna do is, I guess, break it down and make sure that I am aware of where you sit, and I'm I'm making sure that everything is, you know, in line and and I'm getting it right. So Yep. I know that at the moment, you're focusing on getting your mortgage paid off, and you sort of said that you're you're pretty open to advice to see on like, to see how you can sort of do it better or other ways that you can possibly look at how to reduce tax Yep. on things. I can see that you have investment property and a primary residence. The primary residence is completely paid off. Correct? Correct. Perfect. And then the investment property, can I ask when did we first purchase that property? No. I no. I'm using it. Eight or nine years ago? No. That's okay. Cool. So we've owned it for a while now. Yep. And have we done any major renovations to the property or any sort of anything to improve the property, you know, apart from, I guess, general maintenance? No. Not as yet, mate. I'm I I gave it a clean up when I first bought it, but to rent it out. Yeah. And I'm looking building a in the backyard, there's double garage workshop and a three room office, if you like, which I'm looking at converting into a per unit Okay. in So, the next like, two sort of converting a granny converting it to, like, a granny flat to increase the the value of it. Yeah. Alright.","start_word":110,"end_word":433,"sentiment":"neutral","sentiment_score":0.06981713655922148},{"text":"Perfect. minutes.","start_word":434,"end_word":435,"sentiment":"positive","sentiment_score":0.4496876001358032},{"text":"And currently, our monthly repayments are about 2,500 or 2,500. Is that just the base minimum, or is that what you actually pay on it? No. That's the basement, I think. I think we're paying Perfect. somewhere in 4. 3 and a half 4. Okay. So oh, sorry. So about 3 and a half to 4 a month is what you're paying? Yep. Okay. Cool. So we're we're going above what we need to. That's okay. Do we have like, are we paying that off the mortgage, or is there a redraw or a offset account on it? No. There's no redraw offset. Oh, I can redraw on it, but there's no offset. Okay. No. That's okay. Cool. Alright.","start_word":436,"end_word":554,"sentiment":"neutral","sentiment_score":0.03545239567756653},{"text":"Good to know.","start_word":555,"end_word":557,"sentiment":"positive","sentiment_score":0.3904532492160797},{"text":"That's okay. And when we took the mortgage out, we were looking at a thirty year loan at the time. Yeah. I think so. Yeah? And with it being rented out, what is our income that we're generating from the property at the moment? I I think gross is around $5.50 a week. Gross $5.50 a week? We have a real estate that's managing it? Correct. Yeah? Okay. Alright. So good base figures to be able to look at. Now that property is currently owned by, I would assume, both yourself and your wife? Correct. Yeah. And it's Yep. $50.50 ownership? Yep. Yeah. Okay. Cool. We don't have a trust structure or anything like that. It's just personally owned? Yep. Nine. Yep.","start_word":558,"end_word":679,"sentiment":"neutral","sentiment_score":0.03698883578181267},{"text":"Amazing.","start_word":680,"end_word":680,"sentiment":"positive","sentiment_score":0.5315078496932983},{"text":"Now with the property, we're obviously looking at at at expanding on it and doing some work to it. Do you know how much that work's gonna cost? I've got a ballpark of that. 60. Perfect. It's an evil Okay. partner. Yeah. No. That's I know. Sometimes it blows out, and sometimes we can come in under. Now with that, how are we going to or how are we looking at getting the funds to be able to do that improvement? Is it are we looking to redraw or, like, you Yeah. know, take I'm from just the gonna equity? write the one. Redraw? Just Okay. yeah. Posterity mortgages. It's it's gonna put the money there to do it. So Perfect. No. Okay. Cool. So I just gonna take from the redraw and and yeah. and make those Just improvements. read this. Yep. K.","start_word":681,"end_word":824,"sentiment":"neutral","sentiment_score":0.01949603296816349},{"text":"Perfect.","start_word":825,"end_word":825,"sentiment":"positive","sentiment_score":0.3556179404258728},{"text":"So we have the tax law available to be able to do it. Once the renovation's done, I assume you'll be able to get a considerable amount more for the property? Yeah. I'm gonna rent it out, mate. So I'm looking at so if I have oh, we're running to the two facilities as renters, so I should be able to pull I'm guessing on a pool 50 a week ahead of that. You know, once done? Perfect. So you're gonna increase on on how much you're generating as an income Absolutely.","start_word":826,"end_word":917,"sentiment":"neutral","sentiment_score":0.1960759609937668},{"text":"nearly by double, which is great. Now that'll basically put us up to a thousand dollars a week, which more than covers what we're what our minimum repayments are for the property, and we'll basically cover what you guys are paying off on the property from a, you know, from a Yep.","start_word":918,"end_word":969,"sentiment":"positive","sentiment_score":0.4070053696632385},{"text":"higher repayment position. It does obviously mean that for both of you, that property is going to turn into something that is no longer it's definitely gonna be positively geared at that point. Yep. So it's going to become a bit of a tax issue for you. So definitely something we can look at in respect to how we could possibly minimize or mitigate some of those taxes. Yep. Can I ask your wife, how much does she earn if you know? 50 or 60 or 80. 50 to $60 a year? Okay. Just good to know in terms of what her income is because, obviously, if we're in different tax bracket, it'll affect us differently and something Yep. still as a unit we probably need to look at making sure that we're covering.","start_word":970,"end_word":1103,"sentiment":"neutral","sentiment_score":0.1518663926911888},{"text":"Now outside of that, we have a two cars to caravan, and we have a little share portfolio that we've been dabbling with as well, which is great. The shape of polyamide is is under a grain, so now it's three parts of under a bowl. And it is good.","start_word":1104,"end_word":1153,"sentiment":"positive","sentiment_score":0.3821346163749695},{"text":"Hey. We gotta start somewhere dabbling. What platform have you been using? Have you just been using, like, your bank offered I platform? haven't been using a platform. So the AMP shares that I've got, Or and I just get them to reinvest anything that I've filed through.","start_word":1154,"end_word":1201,"sentiment":"neutral","sentiment_score":0.03918827697634697},{"text":"So I perfect.","start_word":1202,"end_word":1204,"sentiment":"positive","sentiment_score":0.35276445746421814},{"text":"think there's 800 odd shares or whatever. I couldn't do what they're worth. Yep. No. That's okay. So it's roughly 800 AMP shares that you have. That's fine. No. That's absolutely fine. I'm assuming we've had them for a while now. I've had them for more years, and I can't remember. Did you get them through work or through previously banking with AMP? Or No. I think I just bought them when I was in the in the twenties and just had them roll over. Whatever yeah. the whatever the. And it's done. Well, it's done. It's done. So, Yeah. yeah, if that's Absolutely okay. nothing wrong with that. No. That's okay. Are you happy to have them keep rolling on, or do you wanna look at doing something with that money? Look. I don't have to tell you the wrong one. I don't mean that I can get rid of anything, to be honest. What's my impression with these things? About a dollar 52. There you go. I've got a thousand bucks worth. Yeah. I I don't No.","start_word":1205,"end_word":1383,"sentiment":"neutral","sentiment_score":-0.0208988543599844},{"text":"have it for the whole bunch.","start_word":1384,"end_word":1389,"sentiment":"positive","sentiment_score":0.39255407452583313},{"text":"It's gonna That's fine.","start_word":1390,"end_word":1393,"sentiment":"neutral","sentiment_score":0.2926795482635498},{"text":"be Cool.","start_word":1394,"end_word":1395,"sentiment":"positive","sentiment_score":0.47621068358421326},{"text":"Alright. Well, outside of that, I can see that we you wanna sort of look at getting your super to a position that's gonna benefit you.","start_word":1396,"end_word":1421,"sentiment":"neutral","sentiment_score":0.3113032579421997},{"text":"It's gonna obviously produce a a decent outcome and that we're looking at at age 70 retirement time frame.","start_word":1422,"end_word":1440,"sentiment":"positive","sentiment_score":0.46400684118270874},{"text":"May I ask why we're looking at 70 to retire? because I said there was nothing I can afford it. If you can get me to retire in the next twelve months, mate, you go for it.","start_word":1441,"end_word":1477,"sentiment":"neutral","sentiment_score":0.1189192458987236},{"text":"Because I'd be very excited about it, do you?","start_word":1478,"end_word":1486,"sentiment":"positive","sentiment_score":0.4308803081512451},{"text":"I would be too. Well, if I'm wrong, you're 58 this year, so Yeah. it's two years before we can access our super. Yep. Because from age 60, you're able to start accessing some of it. It also means that from age 60, there's some really cool tax saving strategies we can look at, which Alright. will be good, especially with that property increasing in Yeah. value. So that'll be really good once we turn 60. We can definitely start looking at strategizing from a tax perspective a little bit heavier just to be able to you know, always looking for ways we can pay less tax, Absolutely. but, obviously, in a way that's not going to minimize your income. Because I can see that you Yep. are very much using a lot of your income per week. We're saving about a $100 a week at the moment, which means that you're obviously relying on your income week to week, which is good. But, you know, you obviously have the mortgage that you need to pay off. So that's definitely why that's that's obviously a a need to keep that Yep. income going. Now you have said that you're wanting to about $1,500 per week to live on when you retire. Can I ask where that figures come from? Yep. Honestly, off the top of my head.","start_word":1487,"end_word":1713,"sentiment":"neutral","sentiment_score":0.1267742216587067},{"text":"Fantastic. It's That's a good.","start_word":1714,"end_word":1718,"sentiment":"positive","sentiment_score":0.4380319118499756},{"text":"okay. Happens a lot, to be completely honest. And then I start breaking down the numbers and people go, oh, maybe not. The reason I ask that is ultimately, when I look at your income being a $125,000, that equates to about 94,200 per annum net after you pay your taxes, which breaks down to about 1,800 Yep. dollars a week is what you would get in your pocket. There's some change, Okay. but 18 Yep. $100. That means to me, based on the fact that you're saving a $100 a week, that you are currently living on $1,700 a week. Granted, you do have a mortgage that you are currently paying for, and that is where a lot of the money is going into. Yep. So Yep. that obviously does account for a bit of your current need. If I remove Mhmm. that, because obviously, we wanna have that mortgage paid off, then Yep. that gives me probably a a better indication as to what your actual income need is. Yep. And what I have to do the math a little bit more to figure out what you're putting into the mortgage because you're currently is that? putting $5.50 and 52 divided by 12 gives you $23.30 $23.83 from rental income. You'll be paying every bit of couple $100 in fees to your real estate. So let's just call it 2,000 flat from there. And you said that you were currently paying $4 to your mortgage, which means that you're currently putting you're currently putting you're Mhmm. you're currently putting 2 and a half thousand dollars into your mortgage each month. So 2 and a half thousand dollars into your mortgage each Yes. Yes. Sorry. I am definitely here. You're totally I am It's okay. You you gotta figure 2 and a half that I'm paying on the mortgage per month. Is that right? Yep. You said the minimum repayments are 2 and a half thousand, and then you're paying 4,000 a month. I think the minimum is up to 3, not 2 and a half. Apologies. So the minimum That's okay. is 3 and a half. I think so. Yeah. Okay. Sorry. There's where my numbers are wrong. Okay. So the minimum is 3 and a half. Your renters are basically covering two of that, so you're currently putting an extra at a minimum, putting an extra 1,500 in to make that repayment. Yep. So if you didn't have like, if you're if you didn't have the mortgage anymore, you would be able to get rid of $1,500 out of your your overall need Yep. per month, which would realistically mean that you need $2 a month, which equates down to about $500 a week, It should be very cool.","start_word":1719,"end_word":2180,"sentiment":"neutral","sentiment_score":0.05785435580878288},{"text":"which is very, very cool.","start_word":2181,"end_word":2185,"sentiment":"positive","sentiment_score":0.7231113314628601},{"text":"Yeah. So, I mean, there you go. So it's even less than what we thought in terms of the need, but that's not really leaving much for you to travel or do anything in your retirement if that's something that you're wanting to do. Well, it is. I mean okay. Well, if that's the case, if I only need $500 a month A week. sorry. Week. Five Week. hundred Week. dollars Week. a week. Yep. Yep. To survive. And I can get this place next to a paid off, and that's pulling a thousand dollars a week. That's already gonna pull a thousand. Yep. Plus plus whatever I can put out my super per week. I don't wanna be rolling in. You're gonna be quite comfortable. Yeah. Don't be wrong. Absolutely. It's my it's my rough paper math while I'm talking and thinking and not while I'm Yep. just thinking with numbers. Yep. But, yeah, it seems to be pretty kosher, to be honest.","start_word":2186,"end_word":2349,"sentiment":"neutral","sentiment_score":0.10412514954805374},{"text":"So That that would be awesome. That would be amazing.","start_word":2350,"end_word":2359,"sentiment":"positive","sentiment_score":0.617926299571991},{"text":"Yeah. Okay. Now now I'm getting a little bit excited.","start_word":2360,"end_word":2369,"sentiment":"neutral","sentiment_score":0.2604524791240692},{"text":"Good.","start_word":2370,"end_word":2370,"sentiment":"positive","sentiment_score":0.37067386507987976},{"text":"That's without me factoring in your wife's income and what she currently brings and the needs there and, you know, that side Yep. of things. But you are obviously earning a bit more than what she is. You said you were she was sort of around that Yes, $60 a month $60 mark. So, Yes. you know, your income is basically double that. Yes. So, yeah, whatever she's bringing in would obviously need to be factored in a little bit. But, yeah, it means that that property, you know, we just need to look at getting that paid off so that way we can have Absolutely. that working.","start_word":2371,"end_word":2478,"sentiment":"neutral","sentiment_score":0.06178028964334064},{"text":"That would Cool. be great. Perfect.","start_word":2479,"end_word":2484,"sentiment":"positive","sentiment_score":0.7328279614448547},{"text":"Well, I'm gonna sit with the numbers a little bit, obviously, have a look at what that looks like. I'll obviously actually factor in some decent, you know, saving and putting away for the rental costs and what that looks Yep. like from a realistic point of view. We have real estate fees and stuff like that. I just I I ballpark it. I pay I napkin math it. That's my thing. I'll do Yep. something. Yeah. So I'll actually sit down and have a look at the numbers properly and go from there. But aside from that, with regards to, I guess, the other goals you had, I know you wanted to do some traveling and you just want to be comfortable, which we've obviously sort of worked out that we could possibly be pretty well on track to do because of Yes. that rental property, but we need to still be realistic about making sure we put money away to deal with any problems that properties come with. Yes. And then aside from that, I know that you were pretty open to looking at your insurance stuff as well. Now currently, you're with Bryte Super, and you currently Yes. have a life insurance only policy. This is no insurance on protecting you from a disability point of view. Are you wanting to look at all covers? Are you wanting to look at disability cover? Or are you comfortable to just look at, like, life insurance from a stand alone point of view? I guess, Well, to was explain it it. Yeah. Sorry. well, at the moment, I think I just got the life insurance through Zurich. And I think I can't can't can't do that as well, to be honest. I don't recall, to be honest. Yeah. The Let thing let I me want you know.","start_word":2485,"end_word":2792,"sentiment":"neutral","sentiment_score":0.0501137301325798},{"text":"the thing I'm finding with insurance is the hell of a lot of money for very little to no value.","start_word":2793,"end_word":2812,"sentiment":"negative","sentiment_score":-0.4951810836791992},{"text":"I mean, yes, it's nice to to cover your ass for the just in case moments, but how far do you go? Yeah. Correct. And sometimes it it is that, you know, it's the just in case. It's the it's insurance is risk mitigation. That's all it is. The same reason Exactly. we have house insurance and car insurance because Yep. it's it's the just in case we end up running up the back of the Lamborghini that's worth half $1,000,000 or the $2,000,000 house. Yep. Realistically, if anything happened to you right now, your wife could theoretically liquidate the investment property. She has a fully paid off mortgage. She's gonna walk away with your superannuation funds, and her lifestyle will not be what you guys were set out to do, but it's possibly manageable ish. She's K. not gonna get a great deal from the property sale, but she'll probably walk away with a decent $150,000 after all the sales stuff. Yep. Yeah. Close to 200,000. After all the sales stuff goes through, the mortgage is paid off and everything like that, plus your superannuation fund. So let's just call it 400,000 e let's just call it 400,000. I know it's a little Yep. bit less. So that 6 Yep. $100,000 she'll walk away with, plus currently, you have $317,000 with a life insurance policy. So all Yep. in all, she's walking away with just over $900,000 Absolutely. Yep. when you look at all of it. Yep. She's gonna live quite happily, especially if she's in and around the same age as you are and she's, you know, looking at 60 a couple years. So, realistically, what that means is that maybe she will just knock you off in your no. I'm kidding. I'm kidding. She could. No. So, I mean, what that means is that she is gonna be quite probably comfortable with that amount. But you're right. You're currently paying a million thousand dollars for 317,000 in insurance. So, you know, premium paid versus benefit received is pretty comparable. But could we do better? Do we really need that much? Do we wanna protect you if you're never able to work again? Being that you're, you know, two years and two months away from turning 60, is that something we need to focus on? Is that something that you're concerned about, getting ill or injured and never working again? These are all questions that are stuff that you definitely need to answer. I can then investigate, but Yes. it's something you need to be comfortable with either taking on the risk or paying for the insurance. Look. Considering what I do for a living, I'm happy to take on the risk. I mean, Yeah. I'm working from home right now, so You're pretty sedentary. it's it's not it's not a difficult one to achieve, if that makes No. sense. Yeah. Perfect. I was not sure I maybe get into And it.","start_word":2813,"end_word":3306,"sentiment":"neutral","sentiment_score":0.02068782253907277},{"text":"I'm not a tradie.","start_word":3307,"end_word":3310,"sentiment":"negative","sentiment_score":-0.3342854082584381},{"text":"yeah. You kind of said bad back or have you out of work forever. Cool. It. Well, do you do you want me to look at lower amounts of life insurance? Because realistically speaking, I think if we just cover the mortgage on that investment property so, like, the you have nearly 400,000 in your super fund. If I look at, say, a 100 to $150,000 worth of life insurance, which with those two benefits combined will more than adequately pay off the the investment property, it means that your wife would then have residual income coming in. Yeah. I think that that works for me. That makes Perfect. sense?","start_word":3311,"end_word":3420,"sentiment":"neutral","sentiment_score":0.029070448130369183},{"text":"Amazing.","start_word":3421,"end_word":3421,"sentiment":"positive","sentiment_score":0.3811390995979309},{"text":"Alright. So I'll look at just basically covering off the investment property, making sure that we're looking at the best premiums around and and cost effective in that nature. I'll look at life insurance only. So Yep. that Okay. way, we're just we're just looking after the missus and the kid. Yep. May I ask, do you have a son or a daughter? I've got well, I've got a daughter at home, a daughter, and a son that's with their own large in front of them with their own home engine. Whatever you Oh, you've got the three of them.","start_word":3422,"end_word":3521,"sentiment":"neutral","sentiment_score":0.06024521216750145},{"text":"Beautiful.","start_word":3522,"end_word":3522,"sentiment":"positive","sentiment_score":0.4193649888038635},{"text":"say. Yeah. Yeah. Yeah. I have to ask because I'm I'm a mom of three. How did you find three? I found coming from I don't know. Three just created chaos. Beautiful chaos. Don't get me wrong, but it did create Well, we're we're pretty lucky. Well, I was I was pretty lucky. I mean, Cathy's my second long term relationship, and she had the two kids when we met. So they were ten eleven, I Yeah. think. And they sort of come in along three, two years after we got together. So the three three wasn't too bad because of those age differences, if that makes sense. So Yeah. Yeah. No. I I get after it. after days, she was a bit like a a teen mom, but then actually having a baby son. She did that, which is pretty Yeah. No. Yeah. Definitely. It was well, yeah. By the time cool. you had your youngest, you would have had, like, 15 and and 12 at that point. So That's right. Yeah. Absolutely. so, yeah, you would have you would have had definite help. Yeah. Absolutely. So it was in that in that space, it wasn't too bad. Oh, that's good. No.","start_word":3523,"end_word":3725,"sentiment":"neutral","sentiment_score":0.07536939248956483},{"text":"That's beautiful. Yeah. I love How are that.","start_word":3726,"end_word":3733,"sentiment":"positive","sentiment_score":0.3918469548225403},{"text":"yours? 13 seven five. Okay. Still in the thick of it, but now I'm I'm, you know, going through that that beautiful turn of life called puberty. So, I always do. Yeah. yes, very, very much. Just very lucky that my eldest is a is a boy, so it hasn't been too bad to be completely honest with you. That's a good Not so much looking forward to my daughter, but that's okay. Yeah. Cool. Just just Yeah. remember me. Yeah. I only give 18 summers with each of them, so enjoy everyone. That's it. 100%. That's why Absolutely.","start_word":3734,"end_word":3832,"sentiment":"neutral","sentiment_score":0.16934476792812347},{"text":"I make my way home every night. Perfect.","start_word":3833,"end_word":3840,"sentiment":"positive","sentiment_score":0.4346308708190918},{"text":"Now I did have one question to do with your occupation just because I have 70% office and 30% field. Mhmm. With the field work, are we actually out in the field, or we what are we doing with that? To to be honest, I'm I'm a project manager, so I go I go out and look at sites, and that's about it really to say. I walk around the site, and then I come back to the office. Yeah.","start_word":3841,"end_word":3920,"sentiment":"neutral","sentiment_score":0.03324122913181782},{"text":"Cool. Absolutely perfect.","start_word":3921,"end_word":3923,"sentiment":"positive","sentiment_score":0.6224952936172485},{"text":"That's We not don't touch that's a not. tool or anything Nah. like that? Nah. I only do that when I get home. Hence, I'm gonna be doing the unit pretty shortly. Absolutely.","start_word":3924,"end_word":3956,"sentiment":"neutral","sentiment_score":0.025561925023794178},{"text":"That is perfect.","start_word":3957,"end_word":3959,"sentiment":"positive","sentiment_score":0.3566218316555023},{"text":"No. Absolutely.","start_word":3960,"end_word":3961,"sentiment":"neutral","sentiment_score":0.15265661478042605},{"text":"Amazing.","start_word":3962,"end_word":3962,"sentiment":"positive","sentiment_score":0.3403804302215576},{"text":"Cool. So we're pretty much, like, all office work, a little bit of field work, but that's fine as long as we're not touching touching any tools. Whatever we do at home is fine. The other question I had, 20 with the same employer and government work where we have some decent long service leaves banked up annually as well? No. So I've I've been with the government employer, but various agencies, if that makes sense, and there's been breaks in the middle, say, this Yep. employer I've been for two years. Alright. Cool. Don't don't That's fine. know. It's just done. Just the basic stuff now. Yeah. No. Perfect. That's absolutely fine.","start_word":3963,"end_word":4075,"sentiment":"neutral","sentiment_score":0.041933104395866394},{"text":"Cool. Amazing.","start_word":4076,"end_word":4077,"sentiment":"positive","sentiment_score":0.4004653096199035},{"text":"Well, that pretty much, like, answers everything that I had with regards to where we're at and where I need to go. I will start having a look into the superannuation, other, like, investment options we can look at. I'll look at the insurance side of things as well, and I will have a look at the property side of things as well on that side. I just wanted to ask because 6% flat is pretty rare. Is it actually 6% flat on the investment property mortgage, or was that just a roundabout guess? I'd say it's around about yes. It'd be close. That's okay. Can I who's your mortgage provider? We are lender lender. My my state. My state. Cool. That's fine. I will have a look at what their rates are sitting at and go from there.","start_word":4078,"end_word":4216,"sentiment":"neutral","sentiment_score":0.07372555136680603},{"text":"Perfect.","start_word":4217,"end_word":4217,"sentiment":"positive","sentiment_score":0.4666244387626648},{"text":"That gives me everything that I need to kinda start running off and having a look. So I'll start putting everything together, and then when we speak next, I'll have what's called a statement of advice put together that basically outlines the advice that I have put together for you. Okay? Yep.","start_word":4218,"end_word":4269,"sentiment":"neutral","sentiment_score":0.221620941391358},{"text":"Beautiful. Amazing. Thank you so much for your time today, David. I really appreciate it. Yeah. Thank you, man. I'm I'm with Fujiko. Amazing. We'll speak soon.","start_word":4270,"end_word":4296,"sentiment":"positive","sentiment_score":0.6919417381286621},{"text":"Yeah. My point. Bye.","start_word":4297,"end_word":4300,"sentiment":"neutral","sentiment_score":0.2125777304172516}],"average":{"sentiment":"neutral","sentiment_score":0.08871460958569999}}}}