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Because, well, basically, any kind of TTR will take a little bit to set up anyway. Beautiful. Yes. Okay. So correct me if I'm wrong. You just celebrated your sixtieth birthday. I know, darling. You were telling me all about it the other week. I'm jealous. I love so much. Okay. So, yes, you host party is correct in what they're saying that you could noneloquently, it's basically called a smash and grab. What you do is you would transfer money over to like, so out of your what's called an accumulation or your your your super funds, it's in an accumulation phase. You transition money from that account into a brand new pension account. You have to keep your accumulation account open because you're still working. So you can't close that. So you would transition the money over to the pension account. Under the pension account, whatever money you have in that account, you have to pull a minimum of 4%, and you're allowed to pull up to 10%. Now when the account's set up, what you would need to do is if you're wanting to go ahead with something like this, is you would need to set the account up to pay you annually so you would get one payment for the year to the amount that you nominate, either a percentage base or a dollar figure. Yep. Transition 50,000 right now. Yep. Yep. Yeah. Yeah. Then you could you could put the rest of yeah. You could you could pop it back in. So, yeah, so you could pop the money back into your super fund next financial year or later this financial year or whatever the case may be. Definitely. Yeah. And that'll that could just help you through a little bit right now. Yeah. Yeah. Nope. Yeah. And then taking a few weeks off and celebrating in Bali doesn't help. Bad timing. That's it. No. That hey. You've got to take your time and enjoy yourself. That's what's important. No. Absolutely. My pleasure, Michelle. Sure do. Very much so. We'll speak then. 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A little bit stressed. Yeah. So I've just I've just got back from holidays and took a week off. Had been casual, you don't get paid, and had everything planned. And my client's actually in hospital. She's been in hospital for three weeks now, and I was thinking, well, you know, she'll come back, and I have work. So work's a little bit slower for me at the moment, and I wanted to withdraw $5,000 from my super. And they said to me, you can only do it by transferring to a pension fund. Then I can only withdraw 10%. So therefore, I would have to withdraw $50,000, put it in the pension fund, and I can only withdraw 10% once a year. So I said, well, I don't wanna do 50,000, so 2,000 should get me through until work can pick up and we can get things rolling again. Now the reason why I'm calling you, is that the only way I can do it? Because I thought financial hardship, like, you know, like, I'm not struggling struggling. I've got just enough to get me through, but it's only for a fortnight. Oh, they sent me all the forms, and I said I just gotta go and get signed my Medicare card and license with the JP. Correct, Amanda. I did that in Bali. It was amazing. Oh, honey. It was Yep. Yep. So if I if I did that, because I only needed in this transitional period at the moment, could I so next year, if I if I did 50,000 today right now and then I take 5,000? And then next year, when I get the 5,000 transferred over, I can put that back into my super, can I? Cool. Cool. Okay. Okay. I shall look at doing nothing. Yeah. It's just in this transitional period. It's gonna be a few weeks till I can find another house and get me back into the work again. That's a bummer about being casual, I suppose. Like, I'm getting enough hours to just scrape by, but, yeah, I've got nothing for anything additional and for, yeah, other things. So very minimal pay compared to what I have been getting. I know it doesn't help. That's all. 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honey. A little bit stressed. Yeah. So I've just I've just got back from holidays and took a week off. Had been casual, you don't get paid, and had everything planned.\n\nAnd my client's actually in hospital. She's been in hospital for three weeks now, and I was thinking, well, you know, she'll come back, and I have work. So work's a little bit slower for me at the moment, and I wanted to withdraw $5,000 from my super. And they said to me, you can only do it by transferring to a pension fund. Then I can only withdraw 10%.\n\nSo therefore, I would have to withdraw $50,000, put it in the pension fund, and I can only withdraw 10% once a year. So I said, well, I don't wanna do 50,000, so 2,000 should get me through until work can pick up and we can get things rolling again. Now the reason why I'm calling you, is that the only way I can do it? Because I thought financial hardship, like, you know, like, I'm not struggling struggling. I've got just enough to get me through, but it's only for a fortnight.\n\nOh, they sent me all the forms, and I said I just gotta go and get signed my Medicare card and license with the JP. Correct, Amanda. I did that in Bali. It was amazing. Oh, honey.\n\nIt was Yep. Yep. So if I if I did that, because I only needed in this transitional period at the moment, could I so next year, if I if I did 50,000 today right now and then I take 5,000? And then next year, when I get the 5,000 transferred over, I can put that back into my super, can I? Cool.\n\nCool. Okay. Okay. I shall look at doing nothing. Yeah.\n\nIt's just in this transitional period. It's gonna be a few weeks till I can find another house and get me back into the work again. That's a bummer about being casual, I suppose. Like, I'm getting enough hours to just scrape by, but, yeah, I've got nothing for anything additional and for, yeah, other things. 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honey.","start":123.44,"end":124.08,"sentiment":"neutral","sentiment_score":0.3270023912191391}],"sentiment":"neutral","sentiment_score":0.2840216446768593,"num_words":37,"start":94.05,"end":124.08},{"sentences":[{"text":"It was Yep.","start":124.08,"end":167.58499,"sentiment":"neutral","sentiment_score":0.16691434880097708},{"text":"Yep.","start":177.27,"end":177.77,"sentiment":"neutral","sentiment_score":0.057901933789253235},{"text":"So if I if I did that, because I only needed in this transitional period at the moment, could I so next year, if I if I did 50,000 today right now and then I take 5,000?","start":192.91501,"end":208.54999,"sentiment":"neutral","sentiment_score":0.046183313016553186},{"text":"And then next year, when I get the 5,000 transferred over, I can put that back into my super, can I?","start":210.335,"end":216.355,"sentiment":"neutral","sentiment_score":0.08239625891049702},{"text":"Cool.","start":222.895,"end":223.395,"sentiment":"positive","sentiment_score":0.5218331813812256}],"sentiment":"neutral","sentiment_score":0.07173939968740183,"num_words":63,"start":124.08,"end":223.395},{"sentences":[{"text":"Cool.","start":233.76,"end":234.26,"sentiment":"positive","sentiment_score":0.4200994372367859},{"text":"Okay.","start":234.64,"end":235.14,"sentiment":"neutral","sentiment_score":0.2154361754655838},{"text":"Okay.","start":236.4,"end":236.9,"sentiment":"neutral","sentiment_score":0.1454366147518158},{"text":"I shall look at doing nothing.","start":236.95999,"end":238.9,"sentiment":"neutral","sentiment_score":0.034185513854026794},{"text":"Yeah.","start":243.815,"end":244.215,"sentiment":"neutral","sentiment_score":-0.008161921054124832}],"sentiment":"neutral","sentiment_score":0.09779233895242215,"num_words":10,"start":233.76,"end":244.215},{"sentences":[{"text":"It's just in this transitional period.","start":244.215,"end":246.235,"sentiment":"neutral","sentiment_score":-0.044868514562646546},{"text":"It's gonna be a few weeks till I can find another house and get me back into the work again.","start":246.295,"end":254.92,"sentiment":"neutral","sentiment_score":-0.0692449314519763},{"text":"That's a bummer about being casual, I suppose.","start":254.92,"end":257.66,"sentiment":"negative","sentiment_score":-0.3559875376522541},{"text":"Like, I'm getting enough hours to just scrape by, but, yeah, I've got nothing for anything additional and for, yeah, other things.","start":257.88,"end":269.605,"sentiment":"neutral","sentiment_score":-0.14053313942118126},{"text":"So very minimal pay compared to what I have been getting.","start":270.225,"end":273.205,"sentiment":"neutral","sentiment_score":-0.27794756266203796}],"sentiment":"neutral","sentiment_score":-0.15897257125644543,"num_words":67,"start":244.215,"end":273.205},{"sentences":[{"text":"I know it doesn't help.","start":277.425,"end":278.885,"sentiment":"neutral","sentiment_score":-0.24694826006889342},{"text":"That's all.","start":279.585,"end":280.065,"sentiment":"neutral","sentiment_score":-0.12157901749014854},{"text":"The you the universe will provide for me and that I a family, of course, as you bloody do.","start":280.065,"end":287.56,"sentiment":"neutral","sentiment_score":0.042794078196349894},{"text":"And now I'm like, oh my god.","start":287.56,"end":288.84,"sentiment":"neutral","sentiment_score":-0.03972047460930688},{"text":"I should just spend all that money.","start":288.84,"end":290.62,"sentiment":"neutral","sentiment_score":-0.07990132964083127}],"sentiment":"neutral","sentiment_score":-0.037554111983627084,"num_words":40,"start":277.425,"end":290.62},{"sentences":[{"text":"Yeah.","start":296.68,"end":297.18,"sentiment":"neutral","sentiment_score":0.162574902176857},{"text":"Okay, my darling.","start":297.57498,"end":298.455,"sentiment":"positive","sentiment_score":0.4199086129665375},{"text":"Thank you so much.","start":298.455,"end":299.51498,"sentiment":"positive","sentiment_score":0.6233328878879547},{"text":"And I think we've got a full plan for Thursday, haven't we?","start":301.655,"end":304.875,"sentiment":"neutral","sentiment_score":0.31737614050507545},{"text":"Okay.","start":306.695,"end":306.935,"sentiment":"neutral","sentiment_score":0.08470726013183594}],"sentiment":"positive","sentiment_score":0.37185015422957285,"num_words":21,"start":296.68,"end":306.935},{"sentences":[{"text":"Beautiful girl.","start":306.935,"end":307.815,"sentiment":"positive","sentiment_score":0.9147410094738007},{"text":"Look forward to it.","start":307.815,"end":308.955,"sentiment":"positive","sentiment_score":0.9016059637069702},{"text":"Bye.","start":311.735,"end":312.235,"sentiment":"neutral","sentiment_score":0.2310502529144287}],"sentiment":"positive","sentiment_score":0.8095651609557015,"num_words":7,"start":306.935,"end":312.235}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Michelle. How are you going?\n\nChannel 1: Oh, honey. A little bit stressed.\n\nChannel 0: I hear that. What's\n\nChannel 1: Yeah.\n\nChannel 0: happening?\n\nChannel 1: So I've just I've just got back from holidays and\n\nChannel 0: Yes.\n\nChannel 1: took a week off. Had been casual, you don't get paid,\n\nChannel 0: I know.\n\nChannel 1: and\n\nChannel 0: I\n\nChannel 1: had\n\nChannel 0: love.\n\nChannel 1: everything planned. And my client's actually in hospital. She's been in hospital for three weeks now, and I was thinking, well, you know, she'll come back, and I have work. So work's a little bit slower for me at the moment, and\n\nChannel 0: Mhmm.\n\nChannel 1: I wanted to withdraw $5,000 from my super. And they said to me, you can only do it by transferring to a pension fund.\n\nChannel 0: Yep.\n\nChannel 1: Then I can only withdraw 10%.\n\nChannel 0: Yes.\n\nChannel 1: So therefore, I would have to withdraw $50,000, put it in the pension fund, and I can only withdraw 10% once a year.\n\nChannel 0: Yes.\n\nChannel 1: So I said, well, I don't wanna do 50,000, so 2,000 should get me through until work can pick up and we can get things rolling again. Now the reason why I'm calling you, is that the only way I can do it?\n\nChannel 0: Let me.\n\nChannel 1: Because I thought financial hardship, like, you know, like, I'm not struggling struggling. I've got just enough to get me through, but it's only for a fortnight.\n\nChannel 0: Yeah. No. That's okay. Because, well, basically, any kind of TTR will take a little bit to set up anyway.\n\nChannel 1: Oh, they sent me all the forms, and I said\n\nChannel 0: Beautiful.\n\nChannel 1: I just gotta go and get signed my Medicare card and license with the JP.\n\nChannel 0: Yes. Okay. So correct me if I'm wrong. You just celebrated your sixtieth birthday.\n\nChannel 1: Correct, Amanda. I did that in Bali. It was amazing.\n\nChannel 0: I know, darling. You were telling me all about it the other week.\n\nChannel 1: Oh, honey. It\n\nChannel 0: I'm\n\nChannel 1: was\n\nChannel 0: jealous. I love so much. Okay. So, yes, you host party is correct in what they're saying that you could noneloquently, it's basically called a smash and grab. What you do is you would transfer money over to like, so out of your what's called an accumulation or your your your super funds, it's in an accumulation phase.\n\nYou transition money from that account into a brand new pension account. You have to keep your accumulation account open because you're still working. So you can't close that. So you would transition the money over to the pension account. Under\n\nChannel 1: Yep.\n\nChannel 0: the pension account, whatever money you have in that account, you have to pull a minimum of 4%, and you're allowed to pull up to 10%. Now when the\n\nChannel 1: Yep.\n\nChannel 0: account's set up, what you would need to do is if you're wanting to go ahead with something like this, is you would need to set the account up to pay you annually so you would get one payment for the year to the amount that you nominate, either a percentage\n\nChannel 1: So\n\nChannel 0: base\n\nChannel 1: if\n\nChannel 0: or\n\nChannel 1: I\n\nChannel 0: a dollar\n\nChannel 1: if\n\nChannel 0: figure.\n\nChannel 1: I did that, because I only needed in this transitional period at the moment,\n\nChannel 0: Yep.\n\nChannel 1: could I so next year, if I if I did 50,000 today\n\nChannel 0: Transition 50,000 right now. Yep.\n\nChannel 1: right now and then I take 5,000?\n\nChannel 0: Yep.\n\nChannel 1: And then next year, when I get the 5,000 transferred over, I can put that back into my super, can I?\n\nChannel 0: Yeah. Yeah. Then you could you could put the rest of yeah. You could you could pop it back in.\n\nChannel 1: Cool.\n\nChannel 0: So, yeah, so you could pop the money back into your super fund next financial year or later this financial year or whatever the case may be. Definitely.\n\nChannel 1: Cool. Okay. Okay. I shall look at doing nothing.\n\nChannel 0: Yeah. And that'll that could just help you through a little bit right now.\n\nChannel 1: Yeah. It's just in this transitional period. It's gonna be a few weeks till I can find another house and get me back into the work again. That's a bummer about being casual, I suppose. Like, I'm\n\nChannel 0: Yeah.\n\nChannel 1: getting enough hours to just scrape by, but, yeah, I've got nothing for anything additional\n\nChannel 0: Yeah.\n\nChannel 1: and for,\n\nChannel 0: Nope.\n\nChannel 1: yeah, other things. So very minimal pay compared to what I have been getting.\n\nChannel 0: Yeah. And then taking a few weeks off and celebrating in Bali doesn't help.\n\nChannel 1: I know it doesn't help.\n\nChannel 0: Bad timing.\n\nChannel 1: That's all. The you the universe will provide for me and that I\n\nChannel 0: That's it.\n\nChannel 1: a family, of course, as you bloody do. And now I'm like, oh my god. I should just spend all that money.\n\nChannel 0: No. That hey. You've got to take your time and enjoy yourself. That's what's important.\n\nChannel 1: Yeah. Okay, my darling. Thank you so much.\n\nChannel 0: No. Absolutely. My pleasure, Michelle.\n\nChannel 1: And I think we've got a full plan for Thursday, haven't we?\n\nChannel 0: Sure do.\n\nChannel 1: Okay. Beautiful girl. Look forward to it.\n\nChannel 0: Very much so. We'll speak then.\n\nChannel 1: Bye.\n\nChannel 0: Bye, darling.","paragraphs":[{"sentences":[{"text":"Good morning, Michelle.","start":2.3999999,"end":3.52,"sentiment":"positive","sentiment_score":0.4710269073645274},{"text":"How are you going?","start":3.52,"end":4.5,"sentiment":"positive","sentiment_score":0.43841318786144257}],"sentiment":"positive","sentiment_score":0.4523904962199075,"channel":0,"num_words":7,"start":2.3999999,"end":4.5},{"sentences":[{"text":"Oh, honey.","start":5.2799997,"end":6.24,"sentiment":"neutral","sentiment_score":0.05826270021498203},{"text":"A little bit stressed.","start":6.24,"end":7.2999997,"sentiment":"neutral","sentiment_score":-0.21565493196249008}],"sentiment":"neutral","sentiment_score":-0.12434905456999938,"channel":1,"num_words":6,"start":5.2799997,"end":7.2999997},{"sentences":[{"text":"I hear 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and","start":10.559999,"end":13.875,"sentiment":"neutral","sentiment_score":0.00021408693864941598}],"sentiment":"neutral","sentiment_score":0.00021408693864941598,"channel":1,"num_words":10,"start":10.559999,"end":13.875},{"sentences":[{"text":"Yes.","start":13.775001,"end":14.275001,"sentiment":"neutral","sentiment_score":0.02159824036061764}],"sentiment":"neutral","sentiment_score":0.02159824036061764,"channel":0,"num_words":1,"start":13.775001,"end":14.275001},{"sentences":[{"text":"took a week off.","start":13.875,"end":14.835,"sentiment":"neutral","sentiment_score":0.01530381664633751},{"text":"Had been casual, you don't get paid,","start":14.835,"end":16.775,"sentiment":"neutral","sentiment_score":-0.03983979991504124}],"sentiment":"neutral","sentiment_score":-0.019787575710903515,"channel":1,"num_words":11,"start":13.875,"end":16.775},{"sentences":[{"text":"I 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planned.","start":18.435001,"end":19.475,"sentiment":"neutral","sentiment_score":0.2402472347021103},{"text":"And my client's actually in hospital.","start":19.475,"end":21.475,"sentiment":"neutral","sentiment_score":-0.0758865966151158},{"text":"She's been in hospital for three weeks now, and I was thinking, well, you know, she'll come back, and I have work.","start":21.475,"end":26.375,"sentiment":"neutral","sentiment_score":-0.17246576940471475},{"text":"So work's a little bit slower for me at the moment, and","start":26.69,"end":30.130001,"sentiment":"neutral","sentiment_score":-0.32521343355377513}],"sentiment":"neutral","sentiment_score":-0.18265793428179763,"channel":1,"num_words":42,"start":18.435001,"end":30.130001},{"sentences":[{"text":"Mhmm.","start":30.03,"end":30.53,"sentiment":"neutral","sentiment_score":-0.1156112551689148}],"sentiment":"neutral","sentiment_score":-0.1156112551689148,"channel":0,"num_words":1,"start":30.03,"end":30.53},{"sentences":[{"text":"I wanted to withdraw $5,000 from my super.","start":30.130001,"end":33.33,"sentiment":"neutral","sentiment_score":-0.11579751316457987},{"text":"And they said to me, you can only do it by transferring to a pension fund.","start":33.33,"end":40.55,"sentiment":"neutral","sentiment_score":-0.08682691981084645}],"sentiment":"neutral","sentiment_score":-0.09648378426209092,"channel":1,"num_words":24,"start":30.130001,"end":40.55},{"sentences":[{"text":"Yep.","start":40.125,"end":40.625,"sentiment":"neutral","sentiment_score":-0.011092036962509155}],"sentiment":"neutral","sentiment_score":-0.011092036962509155,"channel":0,"num_words":1,"start":40.125,"end":40.625},{"sentences":[{"text":"Then I can only withdraw 10%.","start":40.855,"end":42.954998,"sentiment":"neutral","sentiment_score":-0.055262732009092964}],"sentiment":"neutral","sentiment_score":-0.055262732009092964,"channel":1,"num_words":6,"start":40.855,"end":42.954998},{"sentences":[{"text":"Yes.","start":43.484997,"end":43.984997,"sentiment":"neutral","sentiment_score":-0.015842190012335777}],"sentiment":"neutral","sentiment_score":-0.015842190012335777,"channel":0,"num_words":1,"start":43.484997,"end":43.984997},{"sentences":[{"text":"So therefore, I would have to withdraw $50,000, put it in the pension fund, and I can only withdraw 10% once a year.","start":44.055,"end":51.995,"sentiment":"neutral","sentiment_score":-0.03123494788356449}],"sentiment":"neutral","sentiment_score":-0.03123494788356449,"channel":1,"num_words":23,"start":44.055,"end":51.995},{"sentences":[{"text":"Yes.","start":52.38,"end":52.88,"sentiment":"neutral","sentiment_score":-0.0022784825414419174}],"sentiment":"neutral","sentiment_score":-0.0022784825414419174,"channel":0,"num_words":1,"start":52.38,"end":52.88},{"sentences":[{"text":"So I said, well, I don't wanna do 50,000, so 2,000 should get me through until work can pick up and we can get things rolling again.","start":52.535,"end":62.35,"sentiment":"neutral","sentiment_score":-0.04467028282858707},{"text":"Now the reason why I'm calling you, is that the only way I can do 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said","start":94.05,"end":97.105,"sentiment":"neutral","sentiment_score":0.17006006985902786}],"sentiment":"neutral","sentiment_score":0.17006006985902786,"channel":1,"num_words":10,"start":94.05,"end":97.105},{"sentences":[{"text":"Beautiful.","start":97.08,"end":97.58,"sentiment":"positive","sentiment_score":0.3887156844139099}],"sentiment":"positive","sentiment_score":0.3887156844139099,"channel":0,"num_words":1,"start":97.08,"end":97.58},{"sentences":[{"text":"I just gotta go and get signed my Medicare card and license with the JP.","start":97.105,"end":102.165,"sentiment":"neutral","sentiment_score":0.1459377907216549}],"sentiment":"neutral","sentiment_score":0.1459377907216549,"channel":1,"num_words":15,"start":97.105,"end":102.165},{"sentences":[{"text":"Yes.","start":102.840004,"end":103.340004,"sentiment":"neutral","sentiment_score":0.0719064325094223},{"text":"Okay.","start":104.44,"end":104.94,"sentiment":"neutral","sentiment_score":0.004886216018348932},{"text":"So correct me if I'm wrong.","start":106.76,"end":110.715004,"sentiment":"neutral","sentiment_score":-0.011960789561271667},{"text":"You just celebrated your sixtieth birthday.","start":111.095,"end":115.035,"sentiment":"neutral","sentiment_score":0.30478858451048535}],"sentiment":"neutral","sentiment_score":0.13098281558736094,"channel":0,"num_words":14,"start":102.840004,"end":115.035},{"sentences":[{"text":"Correct, Amanda.","start":116.24,"end":117.22,"sentiment":"neutral","sentiment_score":0.3210458904504776},{"text":"I did that in Bali.","start":117.6,"end":118.82,"sentiment":"positive","sentiment_score":0.5511020064353943},{"text":"It was amazing.","start":118.96,"end":120.020004,"sentiment":"positive","sentiment_score":0.8558422327041626}],"sentiment":"positive","sentiment_score":0.5965128511190414,"channel":1,"num_words":10,"start":116.24,"end":120.020004},{"sentences":[{"text":"I know, darling.","start":120.58,"end":121.46,"sentiment":"positive","sentiment_score":0.6890193819999695},{"text":"You were telling me all about it the other week.","start":121.46,"end":123.4,"sentiment":"positive","sentiment_score":0.3535375505685806}],"sentiment":"positive","sentiment_score":0.43095643474505496,"channel":0,"num_words":13,"start":120.58,"end":123.4},{"sentences":[{"text":"Oh, 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The customer explains that they have been working for a few weeks and had a family funeral. The agent provides information about transferring money from an accumulation phase to a new pension account and explains the process for setting up the account. The customer expresses their desire to spend all their payroll and enjoy their time."},"intents":{"segments":[{"text":"I wanted to withdraw $5,000 from my super. And they said to me, you can only do it by transferring to a pension fund. Yep.","start_word":90,"end_word":114,"intents":[{"intent":"Clarify withdrawal methods","confidence_score":0.0000145526055}]},{"text":"What you do is you would transfer money over to like, so out of your what's called an accumulation or your your your super funds, it's in an accumulation phase. You transition money from that account into a brand new pension account. You have to keep your accumulation account open because you're still working. So you can't close that. So you would transition the money over to the pension account. Under Yep.","start_word":334,"end_word":405,"intents":[{"intent":"Transfer money","confidence_score":0.06218763}]},{"text":"account's set up, what you would need to do is if you're wanting to go ahead with something like this, is you would need to set the account up to pay you annually so you would get one payment for the year to the amount that you nominate, either a percentage So base if or I a dollar if figure.","start_word":436,"end_word":495,"intents":[{"intent":"Set up monthly payments","confidence_score":0.0027968418}]},{"text":"right now and then I take 5,000? Yep.","start_word":528,"end_word":535,"intents":[{"intent":"Take 5,000","confidence_score":0.102420054},{"intent":"Take 5,000","confidence_score":0.21548267}]},{"text":"And then next year, when I get the 5,000 transferred over, I can put that back into my super, can I? 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So I've just I've just got back from holidays and Yes. took a week off. Had been casual, you don't get paid, I know.","start_word":7,"end_word":42,"sentiment":"neutral","sentiment_score":-0.04211070016026497},{"text":"and I had love.","start_word":43,"end_word":46,"sentiment":"positive","sentiment_score":0.37327373027801514},{"text":"everything planned. And my client's actually in hospital. She's been in hospital for three weeks now, and I was thinking, well, you know, she'll come back, and I have work. So work's a little bit slower for me at the moment, and Mhmm. I wanted to withdraw $5,000 from my super. And they said to me, you can only do it by transferring to a pension fund. Yep. Then I can only withdraw 10%. Yes. So therefore, I would have to withdraw $50,000, put it in the pension fund, and I can only withdraw 10% once a year. Yes. So I said, well, I don't wanna do 50,000, so 2,000 should get me through until work can pick up and we can get things rolling again. Now the reason why I'm calling you, is that the only way I can do it? Let me. Because I thought financial hardship, like, you know, like, I'm not struggling struggling. I've got just enough to get me through, but it's only for a fortnight. Yeah. No. That's okay. Because, well, basically, any kind of TTR will take a little bit to set up anyway. Oh, they sent me all the forms, and I said Beautiful. I just gotta go and get signed my Medicare card and license with the JP. Yes. Okay. So correct me if I'm wrong. You just celebrated your sixtieth birthday. Correct, Amanda.","start_word":47,"end_word":279,"sentiment":"neutral","sentiment_score":-0.05866997708194757},{"text":"I did that in Bali. It was amazing. I know, darling. You were telling me all about it the other week.","start_word":280,"end_word":300,"sentiment":"positive","sentiment_score":0.5445330739021301},{"text":"Oh, honey. It I'm was jealous.","start_word":301,"end_word":306,"sentiment":"neutral","sentiment_score":0.3126358091831207},{"text":"I love so much.","start_word":307,"end_word":310,"sentiment":"positive","sentiment_score":0.6526416540145874},{"text":"Okay. So, yes, you host party is correct in what they're saying that you could noneloquently, it's basically called a smash and grab. What you do is you would transfer money over to like, so out of your what's called an accumulation or your your your super funds, it's in an accumulation phase. You transition money from that account into a brand new pension account. You have to keep your accumulation account open because you're still working. So you can't close that. So you would transition the money over to the pension account. Under Yep. the pension account, whatever money you have in that account, you have to pull a minimum of 4%, and you're allowed to pull up to 10%. Now when the Yep. account's set up, what you would need to do is if you're wanting to go ahead with something like this, is you would need to set the account up to pay you annually so you would get one payment for the year to the amount that you nominate, either a percentage So base if or I a dollar if figure. I did that, because I only needed in this transitional period at the moment, Yep. could I so next year, if I if I did 50,000 today Transition 50,000 right now. Yep. right now and then I take 5,000? Yep. And then next year, when I get the 5,000 transferred over, I can put that back into my super, can I? Yeah. Yeah. Then you could you could put the rest of yeah. You could you could pop it back in.","start_word":311,"end_word":576,"sentiment":"neutral","sentiment_score":0.08626491738889451},{"text":"Cool.","start_word":577,"end_word":577,"sentiment":"positive","sentiment_score":0.5218331813812256},{"text":"So, yeah, so you could pop the money back into your super fund next financial year or later this financial year or whatever the case may be.","start_word":578,"end_word":604,"sentiment":"neutral","sentiment_score":0.2864951491355896},{"text":"Definitely. Cool.","start_word":605,"end_word":606,"sentiment":"positive","sentiment_score":0.4203765094280243},{"text":"Okay. Okay. I shall look at doing nothing. Yeah. And that'll that could just help you through a little bit right now. Yeah. It's just in this transitional period. It's gonna be a few weeks till I can find another house and get me back into the work again.","start_word":607,"end_word":655,"sentiment":"neutral","sentiment_score":0.04639926552772522},{"text":"That's a bummer about being casual, I suppose.","start_word":656,"end_word":663,"sentiment":"negative","sentiment_score":-0.3615882396697998},{"text":"Like, I'm Yeah. getting enough hours to just scrape by, but, yeah, I've got nothing for anything additional Yeah. and for, Nope. yeah, other things. So very minimal pay compared to what I have been getting. Yeah. And then taking a few weeks off and celebrating in Bali doesn't help. I know it doesn't help. Bad timing. That's all. The you the universe will provide for me and that I That's it. a family, of course, as you bloody do. And now I'm like, oh my god. I should just spend all that money. No. That hey. You've got to take your time and enjoy yourself. That's what's important. Yeah.","start_word":664,"end_word":773,"sentiment":"neutral","sentiment_score":-0.07982515543699265},{"text":"Okay, my darling. Thank you so much.","start_word":774,"end_word":780,"sentiment":"positive","sentiment_score":0.513323187828064},{"text":"No. Absolutely.","start_word":781,"end_word":782,"sentiment":"neutral","sentiment_score":0.24232129752635956},{"text":"My pleasure, Michelle.","start_word":783,"end_word":785,"sentiment":"positive","sentiment_score":0.393742173910141},{"text":"And I think we've got a full plan for Thursday, haven't we? Sure do. Okay.","start_word":786,"end_word":800,"sentiment":"neutral","sentiment_score":0.27516499161720276},{"text":"Beautiful girl. Look forward to it. Very much so. We'll speak then.","start_word":801,"end_word":812,"sentiment":"positive","sentiment_score":0.7036551237106323},{"text":"Bye.","start_word":813,"end_word":813,"sentiment":"neutral","sentiment_score":0.2310502529144287},{"text":"Bye, darling.","start_word":814,"end_word":815,"sentiment":"positive","sentiment_score":0.442621797323227}],"average":{"sentiment":"neutral","sentiment_score":0.05626535002445637}}}}