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You you it depends on what you're wanting to achieve for your retirement for the fund as a whole, but currently the balance is 149,000. Realistically speaking, like, there's there's a couple of the assets I wouldn't mind maybe doing a little bit of a tweak with, like, restabilizing the account in terms of asset holdings. But overall, realistically, cash so a cash asset completely protects the what you've built, but it doesn't create further wealth. So if what you're it it it avoid loss in the I have a $149,000 and my $149,000 is there, But it doesn't avoid loss in the, well, CPI is increasing value wise today is not what a $149,000 is worth tomorrow. So it does create, I guess, stability in what you have, but it's not going to continue growing or assisting you with your retirement. But, realistically speaking, you're you've you've you've said 50 at the beginning of the year. So it's at least ten years before you can access the wealth that you've that you've built. So it's ten years before you can patch it, ten years before you would look to liquidate the asset. So in the next ten years, you can realistically expect at least one, possibly two economic cycles because the the the market is cyclical. So you do go through the growth phase, the recession phase, the recovery phase, and all through that. So you will see times where the market does dip, the value of the asset does dip, and then it comes back up and and around and through. And what it is is that providing during the market dips, you're not selling the assets, then the assets still hold. It's like it's like a house. You have all of these little bricks that built like, that make up a house. And what you did is during the time like, during your entire working phase, every time you put money into the fund, you were buying a brick to build this house. So over the time that you built this house, and they cost all different amounts throughout the time. Now if the market drops and you go and sell the entire dollar value, and then you've solidified and you've you've you've actualized whatever gain or loss you've made. If you hold the house, hold the bricks, then When it comes to, like, a a long term investment like your super fund, realistically speaking, when you retire, there's only a very small percentage of people that actually take the entire amount and and and withdraw all of it in income stream during their retirement. So they'll sell down on small amounts slowly over time, dollar cost averaging the money out of their fund just as it went in. So they're not gonna solidify the the the gain or the loss at one period of time. Now, obviously, as I said, I guess, earlier, it depends on what you wanna do with the fund. That would sort of, I guess, depend on the structure that we kind of make moving forward. But you are right. The 140 a $149,000 isn't a huge amount of money. It's it's pretty average in terms of, like, your age wise on on how much people in your age category have, But we can do more with it. We can build more with it. It's just depending on how much risk you're willing to take and where your comfort level does fit because that does come into it. At the moment, the market's been a little bit volatile. Well, it's it's been it's always it's always volatile. We've just come off the back of a pretty good run from March to now, which is why you're sitting so yeah. Really, honestly, sitting so pretty. When I was looking into it, I'd sat there and nearly cried when I opened it up, and I was like, hang on a second. March is when the market dropped. Oh my god. There's timing on my side. So, yeah, we're we're we're coming to sort of like there's been a really good run. Last few like, last couple of weeks, there's been a couple of drops in different segments. There's different economists that are that are predicting come early next year. We're gonna have a little bit of a drop. And then there's the you know, there's other economists that are predicting that market's gonna have a drop. Others are predicting that market's gonna sorry. The property markets are gonna keep keep doing what they've been doing. So it's all a little bit up in the air as to where it actually is going to land at this point. But the one thing that, I guess, always tracks through is selling out and being in cash is not gonna benefit long term versus being invested and riding it out will. It just comes down to when you turn 60, if the market's in it down and you wanna sell out all of it, that's when you're gonna lose. But if when you turn 60, the market's in and up, then happy days. Obviously, it's just again, what is your goal when it comes to retirement? And that's probably the the the easiest way I can solve this is what do you actually wanna do when you hit retirement? Yep. Yeah. What age is retirement? Is retirement 60, or is retirement 65, 62? Yeah. Okay. So when's the when's the unpaid leave planned for? Okay. And how are we, I guess, funding that? Yep. Perfect. So, basically, the rental income from the house will create income for you guys, like, to to live on. Yeah. Amazing. Do you know, like, what do you know what your property is valued at at the moment? Perfect. Yep. Long term lease. Yeah. And it's the uncertainty of income when you do short term leases like that. Yeah. Absolutely. No. That's fair enough. Yeah. So house house is worth it at 1.2 ish, and we don't have a debt on it at all, do we? Perfect. Amazing. So we set ourselves up nicely there with no mortgage, so no overheads. And then your car, last day, I had recorded we had a little bit of a a debt on the car. Have we paid? Yep. So we've got got that paid down pretty well. And then other than that, it's just, I guess, like, making sure that we have our living expenses. Do you know what, like, your expenditure per week would be when you're on the road? Yep. Alright. And then, obviously, when you're on the road, you sort of said that you'd be kinda living on about $500 a a week, which is still that 2,000 a month, but, basically yeah. Yeah. Yeah. Because realistically, bills wise, you'd only have, like, the rights insurance and then, like, the council connection fees for water. Yeah. Yeah. Yeah. They all consumables go to them. And your your Internet and everything else drops off. So that's nice. This becomes a very large phone bill. Yeah. Not too expensive. Okay. That's good. And then we're sort of looking at age 65 retirement after twelve months off. So twelve months, it'll be time. And where like, have you have we talked to work about, like, our job still gonna be, like, there when we come back? Perfect. That's good. Good. Because previously, you you were doing sort two occupations. You had the digital marketing officer and then the balance RSL. Are we still doing both? Yeah. Fair. Absolutely fair. Yeah. Early morning. Yep. Yes. Yeah. On the second job. Absolutely. Do you know what your gross income is with your with your job? Perfect. Alright. And your, like, your your EBA or in great agreement is just the standard super contributions for my record? There's no additional. Yeah. Perfect. It's just new like, obviously, New South Wales. Yes. The standard 12. Governments are usually 12 and a half to 12.75. Some government yeah. Some governments do 14 to 15, but and on the branch and the EBA that is attached. Always a pain to kind of figure out, but they generally have pretty good documentation of contracts. They're easy enough to look up. Cool. So 12 and a half percent. Fantastic. And then I guess outside of that, we've got the car credit card, the ZipPay account, or Afterpay account in terms of, like, loans or debts. Yeah. From I guess, from a from a lending point of view, any of those accounts that are open are a line of credit even if they extend it zero. So, like, your credit card is a line of credit even if it's it has nothing owing on it. So, like, I have plenty of clients that live on their credit card. So, you know, they they'll have sort of, like, a 2 or $3 credit limit. They'll live on their credit card through the month, get paid, and then and everything like that. But when when any lender looks at it, they'll they they see it as a line of credit. So now how are we tripping around? Are we camper van, caravan? Oh, yep. Yep. Yep. Yep. Perfect. Yeah. And that's your, like, yours and your partner's? Beautiful. And we're all set up ready to go for for twelve months, which We're dying. Close to set up. Yep. Yep. No. Beautiful. Yeah. How long have you no. That's fair. How long have you and your partner been together Scott? Right? Beautiful. Amazing. Well, honestly, a year away across the country, that was definitely fantastic at all. I actually can't even hear it. No. No. No. I actually can't hear it at all. Do you know what the motor home's worth or the highest? Yeah. Perfect. Alright. So I guess on everything, I guess, the way it stands, what I will do is I can go ahead and I can based on what you're wanting to do with with the with your super fund, when you're aiming to access it, like, access the funds, is I can go and do some modeling based on income and and contribution, including the twelve month, I guess, holiday. And that'll give us an indication as to we hit a 65, what is our drawdown looking like based on the assets that we own now? What is our income looking like overall and where everything fits. I guess the only piece of information I'm probably missing is if there's any anything that Scott owns that would affect you because as a partnership, one person affects the other. So is there sort of any secret investment holdings or cash pool or electric? No. It's okay. I'm assuming he has a car as well, so I'll I'll just assume that that's sort of similar ish value. Oh, cool. That's okay. Cool. So it's it's basically just the the PPR, like, the the home, principal place of residence, the two vehicles, like, home and contents, your super fund. And do you know roughly Yep. No. That's okay. Alright. It gives me a ballpark. Alright. Cool. Good to know. Alright. Well, what I will do is I will model everything out, have a look at where everything fits, and then sort of give an indication as to where everything's sitting with regards to income long term and and go from there with everything. And then we can kinda convene and have a chat again in two weeks. Alright. Perfect. I will get everything put together and speak to you then. No problem. Thanks for the call. 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have got you loud and clear. Where's that? Just to remind you, our calls are recorded as well. So yeah. So Yeah.\n\nYou you it depends on what you're wanting to achieve for your retirement for the fund as a whole, but currently the balance is 149,000. Realistically speaking, like, there's there's a couple of the assets I wouldn't mind maybe doing a little bit of a tweak with, like, restabilizing the account in terms of asset holdings. But overall, realistically, cash so a cash asset completely protects the what you've built, but it doesn't create further wealth. So if what you're it it it avoid loss in the I have a $149,000 and my $149,000 is there, But it doesn't avoid loss in the, well, CPI is increasing value wise today is not what a $149,000 is worth tomorrow. So it does create, I guess, stability in what you have, but it's not going to continue growing or assisting you with your retirement.\n\nBut, realistically speaking, you're you've you've you've said 50 at the beginning of the year. So it's at least ten years before you can access the wealth that you've that you've built. So it's ten years before you can patch it, ten years before you would look to liquidate the asset. So in the next ten years, you can realistically expect at least one, possibly two economic cycles because the the the market is cyclical. So you do go through the growth phase, the recession phase, the recovery phase, and all through that.\n\nSo you will see times where the market does dip, the value of the asset does dip, and then it comes back up and and around and through. And what it is is that providing during the market dips, you're not selling the assets, then the assets still hold. It's like it's like a house. You have all of these little bricks that built like, that make up a house. And what you did is during the time like, during your entire working phase, every time you put money into the fund, you were buying a brick to build this house.\n\nSo over the time that you built this house, and they cost all different amounts throughout the time. Now if the market drops and you go and sell the entire dollar value, and then you've solidified and you've you've you've actualized whatever gain or loss you've made. If you hold the house, hold the bricks, then When it comes to, like, a a long term investment like your super fund, realistically speaking, when you retire, there's only a very small percentage of people that actually take the entire amount and and and withdraw all of it in income stream during their retirement. So they'll sell down on small amounts slowly over time, dollar cost averaging the money out of their fund just as it went in. So they're not gonna solidify the the the gain or the loss at one period of time.\n\nNow, obviously, as I said, I guess, earlier, it depends on what you wanna do with the fund. That would sort of, I guess, depend on the structure that we kind of make moving forward. But you are right. The 140 a $149,000 isn't a huge amount of money. It's it's pretty average in terms of, like, your age wise on on how much people in your age category have, But we can do more with it.\n\nWe can build more with it. It's just depending on how much risk you're willing to take and where your comfort level does fit because that does come into it. At the moment, the market's been a little bit volatile. Well, it's it's been it's always it's always volatile. We've just come off the back of a pretty good run from March to now, which is why you're sitting so yeah.\n\nReally, honestly, sitting so pretty. When I was looking into it, I'd sat there and nearly cried when I opened it up, and I was like, hang on a second. March is when the market dropped. Oh my god. There's timing on my side.\n\nSo, yeah, we're we're we're coming to sort of like there's been a really good run. Last few like, last couple of weeks, there's been a couple of drops in different segments. There's different economists that are that are predicting come early next year. We're gonna have a little bit of a drop. And then there's the you know, there's other economists that are predicting that market's gonna have a drop.\n\nOthers are predicting that market's gonna sorry. The property markets are gonna keep keep doing what they've been doing. So it's all a little bit up in the air as to where it actually is going to land at this point. But the one thing that, I guess, always tracks through is selling out and being in cash is not gonna benefit long term versus being invested and riding it out will. It just comes down to when you turn 60, if the market's in it down and you wanna sell out all of it, that's when you're gonna lose.\n\nBut if when you turn 60, the market's in and up, then happy days. Obviously, it's just again, what is your goal when it comes to retirement? And that's probably the the the easiest way I can solve this is what do you actually wanna do when you hit retirement? Yep. Yeah.\n\nWhat age is retirement? Is retirement 60, or is retirement 65, 62? Yeah. Okay. So when's the when's the unpaid leave planned for?\n\nOkay. And how are we, I guess, funding that? Yep. Perfect. So, basically, the rental income from the house will create income for you guys, like, to to live on.\n\nYeah. Amazing. Do you know, like, what do you know what your property is valued at at the moment? Perfect. Yep.\n\nLong term lease. Yeah. And it's the uncertainty of income when you do short term leases like that. Yeah. Absolutely.\n\nNo. That's fair enough. Yeah. So house house is worth it at 1.2 ish, and we don't have a debt on it at all, do we? Perfect.\n\nAmazing. So we set ourselves up nicely there with no mortgage, so no overheads. And then your car, last day, I had recorded we had a little bit of a a debt on the car. Have we paid? Yep.\n\nSo we've got got that paid down pretty well. And then other than that, it's just, I guess, like, making sure that we have our living expenses. Do you know what, like, your expenditure per week would be when you're on the road? Yep. Alright.\n\nAnd then, obviously, when you're on the road, you sort of said that you'd be kinda living on about $500 a a week, which is still that 2,000 a month, but, basically yeah. Yeah. Yeah. Because realistically, bills wise, you'd only have, like, the rights insurance and then, like, the council connection fees for water. Yeah.\n\nYeah. Yeah. They all consumables go to them. And your your Internet and everything else drops off. So that's nice.\n\nThis becomes a very large phone bill. Yeah. Not too expensive. Okay. That's good.\n\nAnd then we're sort of looking at age 65 retirement after twelve months off. So twelve months, it'll be time. And where like, have you have we talked to work about, like, our job still gonna be, like, there when we come back? Perfect. That's good.\n\nGood. Because previously, you you were doing sort two occupations. You had the digital marketing officer and then the balance RSL. Are we still doing both? Yeah.\n\nFair. Absolutely fair. Yeah. Early morning. Yep.\n\nYes. Yeah. On the second job. Absolutely. Do you know what your gross income is with your with your job?\n\nPerfect. Alright. And your, like, your your EBA or in great agreement is just the standard super contributions for my record? There's no additional. Yeah.\n\nPerfect. It's just new like, obviously, New South Wales. Yes. The standard 12. Governments are usually 12 and a half to 12.75.\n\nSome government yeah. Some governments do 14 to 15, but and on the branch and the EBA that is attached. Always a pain to kind of figure out, but they generally have pretty good documentation of contracts. They're easy enough to look up. Cool.\n\nSo 12 and a half percent. Fantastic. And then I guess outside of that, we've got the car credit card, the ZipPay account, or Afterpay account in terms of, like, loans or debts. Yeah. From I guess, from a from a lending point of view, any of those accounts that are open are a line of credit even if they extend it zero.\n\nSo, like, your credit card is a line of credit even if it's it has nothing owing on it. So, like, I have plenty of clients that live on their credit card. So, you know, they they'll have sort of, like, a 2 or $3 credit limit. They'll live on their credit card through the month, get paid, and then and everything like that. But when when any lender looks at it, they'll they they see it as a line of credit.\n\nSo now how are we tripping around? Are we camper van, caravan? Oh, yep. Yep. Yep.\n\nYep. Perfect. Yeah. And that's your, like, yours and your partner's? Beautiful.\n\nAnd we're all set up ready to go for for twelve months, which We're dying. Close to set up. Yep. Yep. No.\n\nBeautiful. Yeah. How long have you no. That's fair. How long have you and your partner been together Scott?\n\nRight? Beautiful. Amazing. Well, honestly, a year away across the country, that was definitely fantastic at all. I actually can't even hear it.\n\nNo. No. No. I actually can't hear it at all. Do you know what the motor home's worth or the highest?\n\nYeah. Perfect. Alright. So I guess on everything, I guess, the way it stands, what I will do is I can go ahead and I can based on what you're wanting to do with with the with your super fund, when you're aiming to access it, like, access the funds, is I can go and do some modeling based on income and and contribution, including the twelve month, I guess, holiday. And that'll give us an indication as to we hit a 65, what is our drawdown looking like based on the assets that we own now?\n\nWhat is our income looking like overall and where everything fits. I guess the only piece of information I'm probably missing is if there's any anything that Scott owns that would affect you because as a partnership, one person affects the other. So is there sort of any secret investment holdings or cash pool or electric? No. It's okay.\n\nI'm assuming he has a car as well, so I'll I'll just assume that that's sort of similar ish value. Oh, cool. That's okay. Cool. So it's it's basically just the the PPR, like, the the home, principal place of residence, the two vehicles, like, home and contents, your super fund.\n\nAnd do you know roughly Yep. No. That's okay. Alright. It gives me a ballpark.\n\nAlright. Cool. Good to know. Alright. Well, what I will do is I will model everything out, have a look at where everything fits, and then sort of give an indication as to where everything's sitting with regards to income long term and and go from there with everything.\n\nAnd then we can kinda convene and have a chat again in two weeks. Alright. Perfect. I will get everything put together and speak to you then. No problem.\n\nThanks for the call. Bye.","paragraphs":[{"sentences":[{"text":"I have got you loud and clear.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.0680545802627291},{"text":"Where's that?","start":17.215,"end":18.035,"sentiment":"neutral","sentiment_score":0.2094273790717125},{"text":"Just to remind you, our calls are recorded as well.","start":18.255,"end":20.515,"sentiment":"neutral","sentiment_score":0.06950357183814049},{"text":"So yeah.","start":23.055,"end":23.615,"sentiment":"neutral","sentiment_score":0.15169481188058853},{"text":"So Yeah.","start":23.615,"end":29.070002,"sentiment":"neutral","sentiment_score":0.09562411531805992}],"sentiment":"neutral","sentiment_score":0.09064827794614046,"num_words":23,"start":3.1999998,"end":29.070002},{"sentences":[{"text":"You you it depends on what you're wanting to achieve for your retirement for the fund as a whole, but currently the balance is 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it's not going to continue growing or assisting you with your retirement.","start":102.685005,"end":113.425,"sentiment":"neutral","sentiment_score":0.0581574491225183}],"sentiment":"neutral","sentiment_score":0.04585674757951162,"num_words":142,"start":29.070002,"end":113.425},{"sentences":[{"text":"But, realistically speaking, you're you've you've you've said 50 at the beginning of the year.","start":114.25,"end":118.75,"sentiment":"neutral","sentiment_score":-0.029749443630377452},{"text":"So it's at least ten years before you can access the wealth that you've that you've built.","start":119.21,"end":124.89,"sentiment":"neutral","sentiment_score":-0.020588308463201803},{"text":"So it's ten years before you can patch it, ten years before you would look to liquidate the asset.","start":124.89,"end":130.685,"sentiment":"neutral","sentiment_score":-0.04727493981389623},{"text":"So in the next ten years, you can realistically expect at least one, possibly two economic cycles because the the the market is cyclical.","start":131.06499,"end":142.54,"sentiment":"neutral","sentiment_score":-0.006800027331337333},{"text":"So you do go through the growth phase, the recession phase, the recovery phase, and all through that.","start":142.92,"end":149.64,"sentiment":"neutral","sentiment_score":0.030495927927808628}],"sentiment":"neutral","sentiment_score":-0.014072480731673779,"num_words":93,"start":114.25,"end":149.64},{"sentences":[{"text":"So you will see times where the market does dip, the value of the asset does dip, and then it comes back up and and around and through.","start":149.64,"end":156.185,"sentiment":"neutral","sentiment_score":-0.11543165147304535},{"text":"And what it is is that providing during the market dips, you're not selling the assets, then the assets still hold.","start":156.72499,"end":164.08499,"sentiment":"neutral","sentiment_score":-0.14356012216636113},{"text":"It's like it's like a house.","start":164.08499,"end":166.42499,"sentiment":"neutral","sentiment_score":-0.011715394134322802},{"text":"You have all of these little bricks that built like, that make up a house.","start":166.485,"end":171.16,"sentiment":"neutral","sentiment_score":0.026425771663586298},{"text":"And what you did is during the time like, during your entire working phase, every time you put money into the fund, you were buying a brick to build this house.","start":171.62,"end":180.28,"sentiment":"neutral","sentiment_score":-0.024330221056457487}],"sentiment":"neutral","sentiment_score":-0.06608902425090275,"num_words":101,"start":149.64,"end":180.28},{"sentences":[{"text":"So over the time that you built this house, and they cost all different amounts throughout the time.","start":180.42,"end":189.205,"sentiment":"neutral","sentiment_score":-0.07528429643975364},{"text":"Now if the market drops and you go and sell the entire dollar value, and then you've solidified and you've you've you've actualized whatever gain or loss you've made.","start":189.425,"end":203.46,"sentiment":"neutral","sentiment_score":-0.03135760822172823},{"text":"If you hold the house, hold the bricks, then When it comes to, like, a a long term investment like your super fund, realistically speaking, when you retire, there's only a very small percentage of people that actually take the entire amount and and and withdraw all of it in income stream during their retirement.","start":203.76001,"end":231.95999,"sentiment":"neutral","sentiment_score":0.01275374259461056},{"text":"So they'll sell down on small amounts slowly over time, dollar cost averaging the money out of their fund just as it went in.","start":231.95999,"end":240.775,"sentiment":"neutral","sentiment_score":-0.13540559665610394},{"text":"So they're not gonna solidify the the the gain or the loss at one period of time.","start":240.775,"end":245.19499,"sentiment":"neutral","sentiment_score":-0.2810582211788963}],"sentiment":"neutral","sentiment_score":-0.06706822525475409,"num_words":143,"start":180.42,"end":245.19499},{"sentences":[{"text":"Now, obviously, as I said, I guess, earlier, it depends on what you wanna do with the fund.","start":245.25499,"end":249.83499,"sentiment":"neutral","sentiment_score":-0.0560885833369361},{"text":"That would sort of, I guess, depend on the structure that we kind of make moving forward.","start":250.69499,"end":254.23499,"sentiment":"neutral","sentiment_score":-0.03179900720715523},{"text":"But you are right.","start":255.03,"end":255.75,"sentiment":"neutral","sentiment_score":0.09968831390142441},{"text":"The 140 a $149,000 isn't a huge amount of money.","start":255.75,"end":259.93,"sentiment":"neutral","sentiment_score":-0.10477352514863014},{"text":"It's it's pretty average in terms of, like, your age wise on on how much people in your age category have, But we can do more with it.","start":259.99,"end":271.75497,"sentiment":"neutral","sentiment_score":-0.018931777216494083}],"sentiment":"neutral","sentiment_score":-0.03544479714972632,"num_words":77,"start":245.25499,"end":271.75497},{"sentences":[{"text":"We can build more with it.","start":271.75497,"end":273.35498,"sentiment":"neutral","sentiment_score":0.24357803165912628},{"text":"It's just depending on how much risk you're willing to take and where your comfort level does fit because that does come into it.","start":273.35498,"end":281.775,"sentiment":"neutral","sentiment_score":0.02299521475409468},{"text":"At the moment, the market's been a little bit volatile.","start":289.46,"end":291.96,"sentiment":"neutral","sentiment_score":-0.17970242649316787},{"text":"Well, it's it's been it's always it's always volatile.","start":292.02002,"end":295.16,"sentiment":"neutral","sentiment_score":-0.0699006426665518},{"text":"We've just come off the back of a pretty good run from March to now, which is why you're sitting so yeah.","start":296.5,"end":306.095,"sentiment":"neutral","sentiment_score":0.22711306708780202}],"sentiment":"neutral","sentiment_score":0.0645593066345638,"num_words":71,"start":271.75497,"end":306.095},{"sentences":[{"text":"Really, honestly, sitting so pretty.","start":306.23502,"end":308.095,"sentiment":"neutral","sentiment_score":0.3008615583181381},{"text":"When I was looking into it, I'd sat there and nearly cried when I opened it up, and I was like, hang on a second.","start":308.315,"end":313.135,"sentiment":"neutral","sentiment_score":-0.09352842040359974},{"text":"March is when the market dropped.","start":313.46002,"end":315.16,"sentiment":"neutral","sentiment_score":-0.21443603187799454},{"text":"Oh my god.","start":315.54,"end":316.18002,"sentiment":"neutral","sentiment_score":-0.19394001364707947},{"text":"There's timing on my side.","start":316.18002,"end":317.72,"sentiment":"neutral","sentiment_score":-0.06752715036273002}],"sentiment":"neutral","sentiment_score":-0.06909033414823088,"num_words":44,"start":306.23502,"end":317.72},{"sentences":[{"text":"So, yeah, we're we're we're coming to sort of like there's been a really good run.","start":320.66,"end":323.80002,"sentiment":"neutral","sentiment_score":0.26066404674202204},{"text":"Last few like, last couple of weeks, there's been a couple of drops in different segments.","start":324.02002,"end":328.04,"sentiment":"neutral","sentiment_score":-0.11772815138101578},{"text":"There's different economists that are that are predicting come early next year.","start":329.685,"end":333.305,"sentiment":"neutral","sentiment_score":-0.14638350531458855},{"text":"We're gonna have a little bit of a drop.","start":333.365,"end":335.385,"sentiment":"neutral","sentiment_score":-0.16919400625758702},{"text":"And then there's the you know, there's other economists that are predicting that market's gonna have a drop.","start":336.885,"end":342.84003,"sentiment":"neutral","sentiment_score":-0.1250559584134155}],"sentiment":"neutral","sentiment_score":-0.045681423179700344,"num_words":71,"start":320.66,"end":342.84003},{"sentences":[{"text":"Others are predicting that market's gonna sorry.","start":342.84003,"end":345.16,"sentiment":"neutral","sentiment_score":-0.1537752758179392},{"text":"The property markets are gonna keep keep doing what they've been doing.","start":345.16,"end":348.78,"sentiment":"neutral","sentiment_score":-0.13527708686888218},{"text":"So it's all a little bit up in the air as to where it actually is going to land at this point.","start":349.24002,"end":353.74002,"sentiment":"neutral","sentiment_score":-0.05543266075917266},{"text":"But the one thing that, I guess, always tracks through is selling out and being in cash is not gonna benefit long term versus being invested and riding it out will.","start":354.13498,"end":367.74,"sentiment":"neutral","sentiment_score":-0.13521277556015598},{"text":"It just comes down to when you turn 60, if the market's in it down and you wanna sell out all of it, that's when you're gonna lose.","start":367.81998,"end":374.96,"sentiment":"neutral","sentiment_score":-0.12005582132509776}],"sentiment":"neutral","sentiment_score":-0.11472429549321532,"num_words":100,"start":342.84003,"end":374.96},{"sentences":[{"text":"But if when you turn 60, the market's in and up, then happy days.","start":375.34,"end":378.56,"sentiment":"neutral","sentiment_score":0.1940048262476921},{"text":"Obviously, it's just again, what is your goal when it comes to retirement?","start":379.5,"end":383.49503,"sentiment":"neutral","sentiment_score":0.15860913865841353},{"text":"And that's probably the the the easiest way I can solve this is what do you actually wanna do when you hit 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for?","start":417.44498,"end":423.12,"sentiment":"neutral","sentiment_score":-0.01964992145076394}],"sentiment":"neutral","sentiment_score":-0.0162105405419741,"num_words":23,"start":397.97,"end":423.12},{"sentences":[{"text":"Okay.","start":429.19998,"end":429.69998,"sentiment":"neutral","sentiment_score":0.038660794496536255},{"text":"And how are we, I guess, funding that?","start":431.52,"end":433.78,"sentiment":"neutral","sentiment_score":0.04968117969110608},{"text":"Yep.","start":441.765,"end":442.265,"sentiment":"positive","sentiment_score":0.3600633144378662},{"text":"Perfect.","start":451.0,"end":451.5,"sentiment":"positive","sentiment_score":0.6749835014343262},{"text":"So, basically, the rental income from the house will create income for you guys, like, to to live on.","start":451.56,"end":458.78,"sentiment":"positive","sentiment_score":0.39383167498990107}],"sentiment":"neutral","sentiment_score":0.2984652957568566,"num_words":30,"start":429.19998,"end":458.78},{"sentences":[{"text":"Yeah.","start":470.545,"end":471.045,"sentiment":"positive","sentiment_score":0.37744277715682983},{"text":"Amazing.","start":471.42502,"end":471.92502,"sentiment":"positive","sentiment_score":0.5352542400360107},{"text":"Do you know, like, what do you know what your property is valued at at the moment?","start":472.225,"end":475.47,"sentiment":"neutral","sentiment_score":0.1882996182231342},{"text":"Perfect.","start":478.43,"end":478.93,"sentiment":"positive","sentiment_score":0.45205116271972656},{"text":"Yep.","start":508.5,"end":509.0,"sentiment":"neutral","sentiment_score":0.20566204190254211}],"sentiment":"neutral","sentiment_score":0.22721446340992338,"num_words":21,"start":470.545,"end":509.0},{"sentences":[{"text":"Long term lease.","start":509.14,"end":510.68,"sentiment":"neutral","sentiment_score":0.24562940994898477},{"text":"Yeah.","start":512.10004,"end":512.60004,"sentiment":"neutral","sentiment_score":0.28737330436706543},{"text":"And it's the uncertainty of income when you do short term leases like that.","start":517.195,"end":521.055,"sentiment":"neutral","sentiment_score":0.020521908466305052},{"text":"Yeah.","start":527.515,"end":528.015,"sentiment":"neutral","sentiment_score":0.005368076264858246},{"text":"Absolutely.","start":545.135,"end":545.635,"sentiment":"positive","sentiment_score":0.6097848415374756}],"sentiment":"neutral","sentiment_score":0.09633605852723122,"num_words":20,"start":509.14,"end":545.635},{"sentences":[{"text":"No.","start":564.03,"end":564.53,"sentiment":"neutral","sentiment_score":-0.10590077191591264},{"text":"That's fair enough.","start":564.75,"end":565.89,"sentiment":"neutral","sentiment_score":-0.10267248253027599},{"text":"Yeah.","start":571.145,"end":571.645,"sentiment":"neutral","sentiment_score":0.15144488215446472},{"text":"So house house is worth it at 1.2 ish, and we don't have a debt on it at all, do we?","start":572.10504,"end":582.765,"sentiment":"neutral","sentiment_score":0.1695374275247256},{"text":"Perfect.","start":588.33,"end":588.83,"sentiment":"positive","sentiment_score":0.47199398279190063}],"sentiment":"neutral","sentiment_score":0.1396224675355134,"num_words":27,"start":564.03,"end":588.83},{"sentences":[{"text":"Amazing.","start":590.64996,"end":591.14996,"sentiment":"positive","sentiment_score":0.6704782843589783},{"text":"So we set ourselves up nicely there with no mortgage, so no overheads.","start":591.45,"end":596.11,"sentiment":"positive","sentiment_score":0.4481413662433624},{"text":"And then your car, last day, I had recorded we had a little bit of a a debt on the car.","start":597.93,"end":604.525,"sentiment":"neutral","sentiment_score":0.04422880310033049},{"text":"Have we paid?","start":604.825,"end":605.80505,"sentiment":"neutral","sentiment_score":0.003974422191580136},{"text":"Yep.","start":608.10504,"end":608.60504,"sentiment":"neutral","sentiment_score":0.0630042776465416}],"sentiment":"neutral","sentiment_score":0.19230893473976698,"num_words":39,"start":590.64996,"end":608.60504},{"sentences":[{"text":"So we've got got that paid down pretty well.","start":609.625,"end":613.005,"sentiment":"neutral","sentiment_score":0.329499326646328},{"text":"And then other than that, it's just, I guess, like, making sure that we have our living expenses.","start":613.54004,"end":620.44,"sentiment":"neutral","sentiment_score":0.08199250511825085},{"text":"Do you know what, like, your expenditure per week would be when you're on the 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nice.","start":697.62,"end":699.32,"sentiment":"neutral","sentiment_score":0.17408524950345358}],"sentiment":"neutral","sentiment_score":0.06955257253721356,"num_words":20,"start":691.055,"end":699.32},{"sentences":[{"text":"This becomes a very large phone bill.","start":700.98,"end":702.76,"sentiment":"neutral","sentiment_score":-0.13785567453929357},{"text":"Yeah.","start":708.9,"end":709.38,"sentiment":"neutral","sentiment_score":0.09431670606136322},{"text":"Not too expensive.","start":709.38,"end":710.28,"sentiment":"neutral","sentiment_score":0.048927322030067444},{"text":"Okay.","start":711.435,"end":711.935,"sentiment":"neutral","sentiment_score":0.23485851287841797},{"text":"That's good.","start":711.995,"end":712.89496,"sentiment":"positive","sentiment_score":0.42174701392650604}],"sentiment":"neutral","sentiment_score":0.025318677936281477,"num_words":14,"start":700.98,"end":712.89496},{"sentences":[{"text":"And then we're sort of looking at age 65 retirement after twelve months off.","start":713.755,"end":719.51495,"sentiment":"neutral","sentiment_score":0.10868808840002332},{"text":"So twelve months, it'll be time.","start":719.51495,"end":724.97,"sentiment":"neutral","sentiment_score":0.08442103862762451},{"text":"And where like, have you have we talked to work about, like, our job still gonna be, like, there when we come back?","start":726.31,"end":734.805,"sentiment":"neutral","sentiment_score":0.012461328393091326},{"text":"Perfect.","start":739.445,"end":739.945,"sentiment":"positive","sentiment_score":0.4557275474071502},{"text":"That's good.","start":740.805,"end":741.545,"sentiment":"positive","sentiment_score":0.4383545368909836}],"sentiment":"neutral","sentiment_score":0.07928710094774546,"num_words":46,"start":713.755,"end":741.545},{"sentences":[{"text":"Good.","start":744.725,"end":745.225,"sentiment":"neutral","sentiment_score":0.11250780522823334},{"text":"Because previously, you you were doing sort two occupations.","start":745.925,"end":748.64,"sentiment":"neutral","sentiment_score":0.015772675577965047},{"text":"You had the digital marketing officer and then the balance RSL.","start":748.7,"end":752.48004,"sentiment":"neutral","sentiment_score":0.013283504046161066},{"text":"Are we still doing both?","start":752.86005,"end":754.24005,"sentiment":"neutral","sentiment_score":-0.03381784353405237},{"text":"Yeah.","start":758.7,"end":759.18005,"sentiment":"neutral","sentiment_score":-0.01456678193062544}],"sentiment":"neutral","sentiment_score":0.008034238160622341,"num_words":27,"start":744.725,"end":759.18005},{"sentences":[{"text":"Fair.","start":759.18005,"end":759.68005,"sentiment":"neutral","sentiment_score":-0.004204742610454559},{"text":"Absolutely fair.","start":759.9,"end":761.52,"sentiment":"neutral","sentiment_score":-0.016319427639245987},{"text":"Yeah.","start":768.59503,"end":769.09503,"sentiment":"neutral","sentiment_score":-0.06888386607170105},{"text":"Early morning.","start":769.955,"end":770.695,"sentiment":"neutral","sentiment_score":-0.038361852057278156},{"text":"Yep.","start":770.755,"end":771.255,"sentiment":"neutral","sentiment_score":-0.0027818288654088974}],"sentiment":"neutral","sentiment_score":-0.02646185670580183,"num_words":7,"start":759.18005,"end":771.255},{"sentences":[{"text":"Yes.","start":776.36005,"end":776.76,"sentiment":"neutral","sentiment_score":0.001339898444712162},{"text":"Yeah.","start":776.76,"end":777.0,"sentiment":"neutral","sentiment_score":0.004268413409590721},{"text":"On the second job.","start":777.0,"end":777.8,"sentiment":"neutral","sentiment_score":0.007556677795946598},{"text":"Absolutely.","start":777.8,"end":778.3,"sentiment":"neutral","sentiment_score":0.071945920586586},{"text":"Do you know what your gross income is with your with your 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12.75.","start":825.145,"end":830.445,"sentiment":"neutral","sentiment_score":0.01553459268891149}],"sentiment":"neutral","sentiment_score":0.0678042746572332,"num_words":22,"start":815.55,"end":830.445},{"sentences":[{"text":"Some government yeah.","start":831.225,"end":833.385,"sentiment":"neutral","sentiment_score":0.009444447544713816},{"text":"Some governments do 14 to 15, but and on the branch and the EBA that is attached.","start":833.385,"end":841.88,"sentiment":"neutral","sentiment_score":0.01832535654744681},{"text":"Always a pain to kind of figure out, but they generally have pretty good documentation of contracts.","start":844.57996,"end":850.92505,"sentiment":"neutral","sentiment_score":0.030631445348262787},{"text":"They're easy enough to look up.","start":850.92505,"end":852.385,"sentiment":"neutral","sentiment_score":0.16770719240109125},{"text":"Cool.","start":855.005,"end":855.505,"sentiment":"neutral","sentiment_score":0.2182899713516235}],"sentiment":"neutral","sentiment_score":0.04738936592316763,"num_words":44,"start":831.225,"end":855.505},{"sentences":[{"text":"So 12 and a half percent.","start":856.205,"end":858.445,"sentiment":"neutral","sentiment_score":0.225877212981383},{"text":"Fantastic.","start":858.445,"end":858.945,"sentiment":"positive","sentiment_score":0.5896948575973511},{"text":"And then I guess outside of that, we've got the car credit card, the ZipPay account, or Afterpay account in terms of, like, loans or debts.","start":859.965,"end":870.91003,"sentiment":"neutral","sentiment_score":0.11654137203899714},{"text":"Yeah.","start":888.27,"end":888.77,"sentiment":"neutral","sentiment_score":0.009993711486458778},{"text":"From I guess, from a from a lending point of view, any of those accounts that are open are a line of credit even if they extend it zero.","start":889.87,"end":897.89,"sentiment":"neutral","sentiment_score":0.025128147532713824}],"sentiment":"neutral","sentiment_score":0.09069434600690054,"num_words":63,"start":856.205,"end":897.89},{"sentences":[{"text":"So, like, your credit card is a line of credit even if it's it has nothing owing on it.","start":897.95,"end":902.555,"sentiment":"neutral","sentiment_score":0.058547017507647216},{"text":"So, like, I have plenty of clients that live on their credit card.","start":903.175,"end":906.555,"sentiment":"neutral","sentiment_score":0.0791651400235983},{"text":"So, you know, they they'll have sort of, like, a 2 or $3 credit limit.","start":906.695,"end":910.075,"sentiment":"neutral","sentiment_score":0.07469332665205002},{"text":"They'll live on their credit card through the month, get paid, and then and everything like that.","start":911.175,"end":919.93,"sentiment":"neutral","sentiment_score":0.0701350162134451},{"text":"But when when any lender looks at it, they'll they they see it as a line of credit.","start":919.93,"end":926.64996,"sentiment":"neutral","sentiment_score":0.05384982998172442}],"sentiment":"neutral","sentiment_score":0.06614063741502965,"num_words":82,"start":897.95,"end":926.64996},{"sentences":[{"text":"So now how are we tripping around?","start":926.64996,"end":930.35,"sentiment":"neutral","sentiment_score":0.0021153965166636874},{"text":"Are we camper van, caravan?","start":930.595,"end":934.055,"sentiment":"neutral","sentiment_score":0.005353036709129811},{"text":"Oh, yep.","start":938.275,"end":938.835,"sentiment":"neutral","sentiment_score":0.08228922262787819},{"text":"Yep.","start":938.835,"end":938.995,"sentiment":"neutral","sentiment_score":0.057075850665569305},{"text":"Yep.","start":938.995,"end":939.075,"sentiment":"neutral","sentiment_score":0.05922940373420715}],"sentiment":"neutral","sentiment_score":0.02015354117611423,"num_words":16,"start":926.64996,"end":939.075},{"sentences":[{"text":"Yep.","start":939.075,"end":939.575,"sentiment":"neutral","sentiment_score":0.1263682246208191},{"text":"Perfect.","start":939.715,"end":940.215,"sentiment":"positive","sentiment_score":0.49709612131118774},{"text":"Yeah.","start":942.835,"end":943.32,"sentiment":"neutral","sentiment_score":0.06109661981463432},{"text":"And that's your, like, yours and your partner's?","start":944.68,"end":947.5,"sentiment":"neutral","sentiment_score":0.05877762567251921},{"text":"Beautiful.","start":951.56,"end":952.06,"sentiment":"positive","sentiment_score":0.4693153202533722}],"sentiment":"neutral","sentiment_score":0.13534144094834724,"num_words":12,"start":939.075,"end":952.06},{"sentences":[{"text":"And we're all set up ready to go for for twelve months, which We're dying.","start":952.2,"end":957.065,"sentiment":"neutral","sentiment_score":0.11537323193624616},{"text":"Close to set up.","start":957.60504,"end":958.905,"sentiment":"neutral","sentiment_score":-0.0033463839208707213},{"text":"Yep.","start":964.805,"end":965.305,"sentiment":"neutral","sentiment_score":0.03632277995347977},{"text":"Yep.","start":970.805,"end":971.19,"sentiment":"neutral","sentiment_score":0.015789486467838287},{"text":"No.","start":972.79,"end":973.11,"sentiment":"neutral","sentiment_score":0.05220197141170502}],"sentiment":"neutral","sentiment_score":0.08279669005423784,"num_words":22,"start":952.2,"end":973.11},{"sentences":[{"text":"Beautiful.","start":973.11,"end":973.61,"sentiment":"neutral","sentiment_score":0.2606603801250458},{"text":"Yeah.","start":973.83,"end":974.23,"sentiment":"neutral","sentiment_score":0.09206341207027437},{"text":"How long have you no.","start":974.23,"end":982.15,"sentiment":"neutral","sentiment_score":0.05791304763406515},{"text":"That's fair.","start":982.15,"end":982.87,"sentiment":"neutral","sentiment_score":-0.0008230294042732568},{"text":"How long have you and your partner been together Scott?","start":982.87,"end":985.845,"sentiment":"neutral","sentiment_score":0.011331194080412388}],"sentiment":"neutral","sentiment_score":0.03968183749269596,"num_words":19,"start":973.11,"end":985.845},{"sentences":[{"text":"Right?","start":986.785,"end":987.285,"sentiment":"neutral","sentiment_score":0.05418521165847778},{"text":"Beautiful.","start":988.225,"end":988.725,"sentiment":"positive","sentiment_score":0.5622569918632507},{"text":"Amazing.","start":990.465,"end":990.965,"sentiment":"positive","sentiment_score":0.5952857732772827},{"text":"Well, honestly, a year away across the country, that was definitely fantastic at all.","start":993.025,"end":999.95,"sentiment":"positive","sentiment_score":0.33685209495680674},{"text":"I actually can't even hear it.","start":1009.93,"end":1011.79,"sentiment":"neutral","sentiment_score":-0.26051492740710575}],"sentiment":"neutral","sentiment_score":0.1897638148587683,"num_words":23,"start":986.785,"end":1011.79},{"sentences":[{"text":"No.","start":1013.37,"end":1013.87,"sentiment":"neutral","sentiment_score":-0.11446394771337508},{"text":"No.","start":1016.125,"end":1016.44495,"sentiment":"neutral","sentiment_score":-0.12895286083221436},{"text":"No.","start":1016.44495,"end":1016.94495,"sentiment":"neutral","sentiment_score":-0.15949806571006775},{"text":"I actually can't hear it at all.","start":1017.08496,"end":1018.785,"sentiment":"neutral","sentiment_score":-0.18876677751541138},{"text":"Do you know what the motor home's worth or the highest?","start":1019.88495,"end":1022.38495,"sentiment":"neutral","sentiment_score":-0.07134756445884705}],"sentiment":"neutral","sentiment_score":-0.11948121551956449,"num_words":21,"start":1013.37,"end":1022.38495},{"sentences":[{"text":"Yeah.","start":1026.845,"end":1027.345,"sentiment":"neutral","sentiment_score":-0.0028039049357175827},{"text":"Perfect.","start":1035.68,"end":1036.18,"sentiment":"neutral","sentiment_score":0.22714078426361084},{"text":"Alright.","start":1037.04,"end":1037.54,"sentiment":"neutral","sentiment_score":0.09346040338277815},{"text":"So I guess on everything, I guess, the way it stands, what I will do is I can go ahead and I can based on what you're wanting to do with with the with your super fund, when you're aiming to access it, like, access the funds, is I can go and do some modeling based on income and and contribution, including the twelve month, I guess, holiday.","start":1037.8401,"end":1075.005,"sentiment":"neutral","sentiment_score":0.05965390526141752},{"text":"And that'll give us an indication as to we hit a 65, what is our drawdown looking like based on the assets that we own now?","start":1075.005,"end":1083.665,"sentiment":"neutral","sentiment_score":-0.0041154051701036785}],"sentiment":"neutral","sentiment_score":0.043992394907880074,"num_words":97,"start":1026.845,"end":1083.665},{"sentences":[{"text":"What is our income looking like overall and where everything fits.","start":1084.205,"end":1089.4601,"sentiment":"neutral","sentiment_score":-0.012990308417515322},{"text":"I guess the only piece of information I'm probably missing is if there's any anything that Scott owns that would affect you because as a partnership, one person affects the other.","start":1089.8401,"end":1101.9401,"sentiment":"neutral","sentiment_score":-0.045963358614713914},{"text":"So is there sort of any secret investment holdings or cash pool or electric?","start":1102.1849,"end":1109.1649,"sentiment":"neutral","sentiment_score":-0.023028510888772353},{"text":"No.","start":1112.825,"end":1112.985,"sentiment":"neutral","sentiment_score":-0.04465170204639435},{"text":"It's okay.","start":1112.985,"end":1113.3849,"sentiment":"neutral","sentiment_score":0.009841282153502107}],"sentiment":"neutral","sentiment_score":-0.03245975931916954,"num_words":59,"start":1084.205,"end":1113.3849},{"sentences":[{"text":"I'm assuming he has a car as well, so I'll I'll just assume that that's sort of similar ish value.","start":1113.3849,"end":1120.25,"sentiment":"neutral","sentiment_score":0.008396163833094761},{"text":"Oh, cool.","start":1120.25,"end":1121.15,"sentiment":"neutral","sentiment_score":0.09633900597691536},{"text":"That's okay.","start":1126.89,"end":1127.6901,"sentiment":"neutral","sentiment_score":0.1345626674592495},{"text":"Cool.","start":1127.6901,"end":1127.93,"sentiment":"neutral","sentiment_score":0.23466789722442627},{"text":"So it's it's basically just the the PPR, like, the the home, principal place of residence, the two vehicles, like, home and contents, your super fund.","start":1127.93,"end":1141.185,"sentiment":"neutral","sentiment_score":0.08822546369181229}],"sentiment":"neutral","sentiment_score":0.061926599544034726,"num_words":51,"start":1113.3849,"end":1141.185},{"sentences":[{"text":"And do you know roughly Yep.","start":1141.185,"end":1164.635,"sentiment":"neutral","sentiment_score":0.00908080767840147},{"text":"No.","start":1172.295,"end":1172.535,"sentiment":"neutral","sentiment_score":-0.07912202179431915},{"text":"That's okay.","start":1172.535,"end":1173.275,"sentiment":"neutral","sentiment_score":-0.0677508246153593},{"text":"Alright.","start":1176.8201,"end":1177.3,"sentiment":"neutral","sentiment_score":-0.0022842823527753353},{"text":"It gives me a ballpark.","start":1177.3,"end":1178.6001,"sentiment":"neutral","sentiment_score":-0.013854735950008034}],"sentiment":"neutral","sentiment_score":-0.015446452470496298,"num_words":15,"start":1141.185,"end":1178.6001},{"sentences":[{"text":"Alright.","start":1180.5,"end":1181.0,"sentiment":"neutral","sentiment_score":0.20515477657318115},{"text":"Cool.","start":1181.8601,"end":1182.26,"sentiment":"positive","sentiment_score":0.3566909432411194},{"text":"Good to know.","start":1182.26,"end":1183.16,"sentiment":"positive","sentiment_score":0.40388460954030353},{"text":"Alright.","start":1183.54,"end":1183.8601,"sentiment":"neutral","sentiment_score":0.219585120677948},{"text":"Well, what I will do is I will model everything out, have a look at where everything fits, and then sort of give an indication as to where everything's sitting with regards to income long term and and go from there with everything.","start":1183.8601,"end":1196.885,"sentiment":"neutral","sentiment_score":0.15017030717328536}],"sentiment":"neutral","sentiment_score":0.17245730362376388,"num_words":49,"start":1180.5,"end":1196.885},{"sentences":[{"text":"And then we can kinda convene and have a chat again in two weeks.","start":1196.945,"end":1201.9249,"sentiment":"positive","sentiment_score":0.3409061612827437},{"text":"Alright.","start":1204.14,"end":1204.64,"sentiment":"positive","sentiment_score":0.5216825008392334},{"text":"Perfect.","start":1204.7,"end":1205.2,"sentiment":"positive","sentiment_score":0.7124676704406738},{"text":"I will get everything put together and speak to you then.","start":1205.6599,"end":1208.88,"sentiment":"positive","sentiment_score":0.5534750168973749},{"text":"No problem.","start":1211.98,"end":1212.7,"sentiment":"positive","sentiment_score":0.503999263048172}],"sentiment":"positive","sentiment_score":0.4518296600415789,"num_words":29,"start":1196.945,"end":1212.7},{"sentences":[{"text":"Thanks for the call.","start":1212.7,"end":1213.76,"sentiment":"positive","sentiment_score":0.5676619336009026},{"text":"Bye.","start":1215.6599,"end":1216.1599,"sentiment":"neutral","sentiment_score":-0.11399690806865692}],"sentiment":"positive","sentiment_score":0.43133016526699064,"num_words":5,"start":1212.7,"end":1216.1599}]}}]},{"alternatives":[{"transcript":"Can you hear me now? Oh my goodness. What's going on? It's really windy here. Maybe that's an issue. Sometimes yeah. I yeah. I never really have issues here, but I thought I'd be safe. Anyway, we're back. That's good. Yes. All good. Right. Okay. So where do I go moving forward? Should I be putting some back into cash? What's your recommendation? Yes. Yes. But it avoids loss. Right. Yep. Yeah. Yeah. Well, how lucrative is the market at the moment? Like, are we are we looking at more dips and ups? Or is it Lucky me. Yeah. Right. Yeah. Yeah. Well, nothing. Relax. Holiday. What everybody wants to do, live comfortably. Well, I do plan on taking a year unpaid leave and doing some travel, so that will affect it. But, yes, the the plan is probably 65. 15 years. Well, it was gonna be August this year, but it's now changed probably August next year. We are going to rent out our house and live cheap and just probably work a bit along the way. Yeah. Pretty much. And it'll, you know, keep our asset fixed whether I sell my car or not. But, yeah, I think we should be able to live off the income from the property. 1.4. So I think the rental income would be maybe 700 a week. We could get more according because it's a three bedroom townhouse across the road from the beach in you know, people are renting out there for a thousand dollars a week, but they're more Airbnbs. I think the house next door to us rents out it's a bigger house. It's got five bedrooms. We've only got three. But it rents out for $1,300 a night, and they just rented out in holiday periods. Whereas we would probably be looking at a long term tenant for twelve months, so we don't really have to worry about dealing with that while we're away. So, yeah, I think yeah. Yeah. And at this stage, it could be rented out to our children, so we kinda wanna help them as well. So we wanna have enough to live on as well as so, yeah, that should pay the bills and give us, you know, $500 a week to live on. And then we've got a little bit in savings as well. So and then probably pick up work along the way. So I mean, it it'll be living cheaply and living yeah. But it's it's not going to be any lavish. But we live in our car like, we'll live in our car. We have a a decked out van, so we don't need much income. We don't think maybe maybe we need more than we think, but, you know, there's always work. So, Yep. No. My husband my partner, he owns it. So there's no mortgage on it. Yeah. I think there's, like, 10,000 left on it. Maybe a bit less now. Yeah. Probably I'm probably a thousand dollars a month. So between us, it's probably 2,000 a month. Yep. Correct. That's where we kinda got that figure from thinking, okay. Well, if we rent it out for 7 $6.60 or 700, that'll give us enough to cover the bills of the house and give us $500 a week to spend. And that's that's putting a little bit more into bills, like, for emergencies, etcetera. And I think we can live off that. Just rates and insurance and stuff like that. Yeah. Yeah. Water. Correct. Yeah. And the rest, the tenants would pay electricity and all that sort of stuff. Yep. Yeah. Yeah. Yeah. We'll probably have Starlink, but that's minimal. Mhmm. Yes. It will. I'm I'm yeah. I can take twelve months unpaid leave and come back to my position. Yeah. Yep. I have spoken to them. Yes. No. Not working at the RSL anymore. No. No. Got a bit much. Yeah. I didn't love it. It was fun at the time initially, but, yeah, I just it got too tiring late nights and then yeah. For not, yeah, for not the income you want because there's so much tax on it. So 92. Well, I'm with council under government, so I think that we do pay a little bit more in super. They give a little bit more to super. I don't know what the is it what is the standard now? I think we pay 12 and a half percent contribution. Yeah. I think I'm 12 and a half. Yeah. Yeah. Yeah. Nine. Well, no. I think there's, like I don't know. I think I might have one of those Zip Pays or something, which I probably owe to one. But this kinda sits there and ticks along in the background. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. We've got a we've got a HiAce. Yeah. So camper van, I guess you call that. Yes. Close. Not quite. It still needs some a few little old k o amendments to it, but we own it outright. So we just plug along, and we have spare cash. We do stuff to it, but it works well now for weekends or a week, but I don't know if I could leave it a year the way it is. But we're tweaking it slowly as we need to. Five years. Yep. Yeah. No. Someone's just in the I'm standing outside out of the wind, and someone's just rubbing their car beside me as you do. Oh, can't you? Okay. I thought you said that you could hear that. Okay. What it's worth Well, if we sold it tomorrow, we'd probably get 30 for it. Maybe 35. Mhmm. Mhmm. Yep. Mhmm. No. Not that I'm aware of. Not that I'm aware of. He actually drives around the HiAce. So, yeah, that's his daily car, unfortunately, but he doesn't go far. Yep. Yep. Yeah. Look. I don't know, but I know it's good. He's been a teacher for thirty six years. I know he drew down on it to pay the mortgage out because he got unwell, And then he retired from teaching, and now he just works in a bottle shop. He's a bit older than me, though. He's already 65. And so I'm gonna say maybe 200,000, but I don't actually know. It could be more. It could be less. But I know he took two 100 out of it. Okay. Brilliant. Sounds good. Sounds good. Okay. Thanks so much. Okay. Great. Thank you so much. Okay. No worries. 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you hear me now? Oh my goodness. What's going on? It's really windy here. Maybe that's an issue.\n\nSometimes yeah. I yeah. I never really have issues here, but I thought I'd be safe. Anyway, we're back. That's good.\n\nYes. All good. Right. Okay. So where do I go moving forward?\n\nShould I be putting some back into cash? What's your recommendation? Yes. Yes. But it avoids loss.\n\nRight. Yep. Yeah. Yeah. Well, how lucrative is the market at the moment?\n\nLike, are we are we looking at more dips and ups? Or is it Lucky me. Yeah. Right. Yeah.\n\nYeah. Well, nothing. Relax. Holiday. What everybody wants to do, live comfortably.\n\nWell, I do plan on taking a year unpaid leave and doing some travel, so that will affect it. But, yes, the the plan is probably 65. 15 years. Well, it was gonna be August this year, but it's now changed probably August next year. We are going to rent out our house and live cheap and just probably work a bit along the way.\n\nYeah. Pretty much. And it'll, you know, keep our asset fixed whether I sell my car or not. But, yeah, I think we should be able to live off the income from the property. 1.4.\n\nSo I think the rental income would be maybe 700 a week. We could get more according because it's a three bedroom townhouse across the road from the beach in you know, people are renting out there for a thousand dollars a week, but they're more Airbnbs. I think the house next door to us rents out it's a bigger house. It's got five bedrooms. We've only got three.\n\nBut it rents out for $1,300 a night, and they just rented out in holiday periods. Whereas we would probably be looking at a long term tenant for twelve months, so we don't really have to worry about dealing with that while we're away. So, yeah, I think yeah. Yeah. And at this stage, it could be rented out to our children, so we kinda wanna help them as well.\n\nSo we wanna have enough to live on as well as so, yeah, that should pay the bills and give us, you know, $500 a week to live on. And then we've got a little bit in savings as well. So and then probably pick up work along the way. So I mean, it it'll be living cheaply and living yeah. But it's it's not going to be any lavish.\n\nBut we live in our car like, we'll live in our car. We have a a decked out van, so we don't need much income. We don't think maybe maybe we need more than we think, but, you know, there's always work. So, Yep. No.\n\nMy husband my partner, he owns it. So there's no mortgage on it. Yeah. I think there's, like, 10,000 left on it. Maybe a bit less now.\n\nYeah. Probably I'm probably a thousand dollars a month. So between us, it's probably 2,000 a month. Yep. Correct.\n\nThat's where we kinda got that figure from thinking, okay. Well, if we rent it out for 7 $6.60 or 700, that'll give us enough to cover the bills of the house and give us $500 a week to spend. And that's that's putting a little bit more into bills, like, for emergencies, etcetera. And I think we can live off that. Just rates and insurance and stuff like that.\n\nYeah. Yeah. Water. Correct. Yeah.\n\nAnd the rest, the tenants would pay electricity and all that sort of stuff. Yep. Yeah. Yeah. Yeah.\n\nWe'll probably have Starlink, but that's minimal. Mhmm. Yes. It will. I'm I'm yeah.\n\nI can take twelve months unpaid leave and come back to my position. Yeah. Yep. I have spoken to them. Yes.\n\nNo. Not working at the RSL anymore. No. No. Got a bit much.\n\nYeah. I didn't love it. It was fun at the time initially, but, yeah, I just it got too tiring late nights and then yeah. For not, yeah, for not the income you want because there's so much tax on it. So 92.\n\nWell, I'm with council under government, so I think that we do pay a little bit more in super. They give a little bit more to super. I don't know what the is it what is the standard now? I think we pay 12 and a half percent contribution. Yeah.\n\nI think I'm 12 and a half. Yeah. Yeah. Yeah. Nine.\n\nWell, no. I think there's, like I don't know. I think I might have one of those Zip Pays or something, which I probably owe to one. But this kinda sits there and ticks along in the background. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nWe've got a we've got a HiAce. Yeah. So camper van, I guess you call that. Yes. Close.\n\nNot quite. It still needs some a few little old k o amendments to it, but we own it outright. So we just plug along, and we have spare cash. We do stuff to it, but it works well now for weekends or a week, but I don't know if I could leave it a year the way it is. But we're tweaking it slowly as we need to.\n\nFive years. Yep. Yeah. No. Someone's just in the I'm standing outside out of the wind, and someone's just rubbing their car beside me as you do.\n\nOh, can't you? Okay. I thought you said that you could hear that. Okay. What it's worth Well, if we sold it tomorrow, we'd probably get 30 for it.\n\nMaybe 35. Mhmm. Mhmm. Yep. Mhmm.\n\nNo. Not that I'm aware of. Not that I'm aware of. He actually drives around the HiAce. So, yeah, that's his daily car, unfortunately, but he doesn't go far.\n\nYep. Yep. Yeah. Look. I don't know, but I know it's good.\n\nHe's been a teacher for thirty six years. I know he drew down on it to pay the mortgage out because he got unwell, And then he retired from teaching, and now he just works in a bottle shop. He's a bit older than me, though. He's already 65. And so I'm gonna say maybe 200,000, but I don't actually know.\n\nIt could be more. It could be less. But I know he took two 100 out of it. Okay. Brilliant.\n\nSounds good. Sounds good. Okay. Thanks so much. Okay.\n\nGreat. Thank you so much. Okay. No worries. Bye.","paragraphs":[{"sentences":[{"text":"Can you hear me now?","start":1.5999999,"end":2.82,"sentiment":"neutral","sentiment_score":0.00619532261043787},{"text":"Oh my goodness.","start":4.4,"end":5.46,"sentiment":"neutral","sentiment_score":0.08383065710465114},{"text":"What's going on?","start":5.92,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.01117483867953221},{"text":"It's really windy here.","start":6.8799996,"end":8.16,"sentiment":"negative","sentiment_score":-0.4813353046774864},{"text":"Maybe that's an issue.","start":8.16,"end":9.38,"sentiment":"negative","sentiment_score":-0.3857356756925583}],"sentiment":"neutral","sentiment_score":-0.16943893963961223,"num_words":19,"start":1.5999999,"end":9.38},{"sentences":[{"text":"Sometimes yeah.","start":9.679999,"end":11.04,"sentiment":"neutral","sentiment_score":-0.171950563788414},{"text":"I yeah.","start":11.04,"end":11.92,"sentiment":"neutral","sentiment_score":-0.1561480239033699},{"text":"I never really have issues here, but I thought I'd be safe.","start":11.92,"end":15.165,"sentiment":"neutral","sentiment_score":-0.1653733750184377},{"text":"Anyway, we're back.","start":15.165,"end":16.125,"sentiment":"neutral","sentiment_score":0.15791931748390198},{"text":"That's good.","start":16.125,"end":17.025,"sentiment":"positive","sentiment_score":0.47930486500263214}],"sentiment":"neutral","sentiment_score":-0.05753857110227857,"num_words":21,"start":9.679999,"end":17.025},{"sentences":[{"text":"Yes.","start":20.685,"end":21.165,"sentiment":"neutral","sentiment_score":0.2061132937669754},{"text":"All good.","start":21.165,"end":21.905,"sentiment":"positive","sentiment_score":0.38994748890399933},{"text":"Right.","start":37.52,"end":38.02,"sentiment":"neutral","sentiment_score":0.11825576424598694},{"text":"Okay.","start":38.079998,"end":38.579998,"sentiment":"neutral","sentiment_score":0.1133761703968048},{"text":"So where do I go moving 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us rents out it's a bigger house.","start":494.465,"end":497.905,"sentiment":"neutral","sentiment_score":0.23044611726488387},{"text":"It's got five bedrooms.","start":497.905,"end":499.08,"sentiment":"neutral","sentiment_score":0.20839973166584969},{"text":"We've only got three.","start":499.08,"end":500.3,"sentiment":"neutral","sentiment_score":0.2101309448480606}],"sentiment":"neutral","sentiment_score":0.2469501162784687,"num_words":69,"start":478.22,"end":500.3},{"sentences":[{"text":"But it rents out for $1,300 a night, and they just rented out in holiday periods.","start":500.68,"end":505.41998,"sentiment":"neutral","sentiment_score":0.32618536055088043},{"text":"Whereas we would probably be looking at a long term tenant for twelve months, so we don't really have to worry about dealing with that while we're away.","start":506.28,"end":515.945,"sentiment":"neutral","sentiment_score":0.22344148850866727},{"text":"So, yeah, I think yeah.","start":516.565,"end":520.345,"sentiment":"neutral","sentiment_score":0.047778628021478656},{"text":"Yeah.","start":520.725,"end":521.125,"sentiment":"neutral","sentiment_score":0.21144986152648929},{"text":"And at this stage, it could be rented out to our children, so we kinda wanna help them as well.","start":521.125,"end":526.485,"sentiment":"positive","sentiment_score":0.3899751342833042}],"sentiment":"neutral","sentiment_score":0.2817881876336677,"num_words":70,"start":500.68,"end":526.485},{"sentences":[{"text":"So we wanna have enough to live on as well as so, yeah, that should pay the bills and give us, you know, $500 a week to live on.","start":526.485,"end":535.45996,"sentiment":"positive","sentiment_score":0.45919142971778737},{"text":"And then we've got a little bit in savings as well.","start":535.6,"end":538.88,"sentiment":"positive","sentiment_score":0.34768799489194696},{"text":"So and then probably pick up work along the 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anymore.","start":753.285,"end":754.985,"sentiment":"neutral","sentiment_score":-0.04460336764653524},{"text":"No.","start":755.045,"end":755.545,"sentiment":"neutral","sentiment_score":-0.0960511863231659},{"text":"No.","start":756.12,"end":756.36,"sentiment":"neutral","sentiment_score":-0.12589862942695618},{"text":"Got a bit much.","start":756.36,"end":757.58,"sentiment":"neutral","sentiment_score":-0.13956382498145103}],"sentiment":"neutral","sentiment_score":-0.08405663932745273,"num_words":13,"start":753.045,"end":757.58},{"sentences":[{"text":"Yeah.","start":761.0,"end":761.32,"sentiment":"neutral","sentiment_score":-0.009797601029276848},{"text":"I didn't love it.","start":761.32,"end":762.36,"sentiment":"neutral","sentiment_score":-0.23935814574360847},{"text":"It was fun at the time initially, but, yeah, I just it got too tiring late nights and then yeah.","start":762.36,"end":769.395,"sentiment":"neutral","sentiment_score":-0.18259528577327727},{"text":"For not, yeah, for not the income you want because there's so much tax on it.","start":770.995,"end":774.995,"sentiment":"neutral","sentiment_score":-0.10482447408139706},{"text":"So 92.","start":774.995,"end":786.02,"sentiment":"neutral","sentiment_score":0.0017515895888209343}],"sentiment":"neutral","sentiment_score":-0.14634475129288296,"num_words":43,"start":761.0,"end":786.02},{"sentences":[{"text":"Well, I'm with council under government, so I think that we do pay a little bit more in super.","start":805.255,"end":811.56,"sentiment":"neutral","sentiment_score":0.10464610688780483},{"text":"They give a little bit more to super.","start":812.5,"end":814.28,"sentiment":"neutral","sentiment_score":0.14644797518849373},{"text":"I don't know what the is it what is the standard now?","start":816.34,"end":820.34,"sentiment":"neutral","sentiment_score":0.041330364532768726},{"text":"I think we pay 12 and a half percent 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got a we've got a HiAce.","start":933.8,"end":935.74,"sentiment":"neutral","sentiment_score":0.07092409634164401},{"text":"Yeah.","start":939.755,"end":940.075,"sentiment":"neutral","sentiment_score":0.15173640847206116},{"text":"So camper van, I guess you call that.","start":940.075,"end":942.17505,"sentiment":"neutral","sentiment_score":0.11885818000882864},{"text":"Yes.","start":948.23505,"end":948.57,"sentiment":"neutral","sentiment_score":0.18786925077438352},{"text":"Close.","start":955.45,"end":955.95,"sentiment":"neutral","sentiment_score":0.024466441944241524}],"sentiment":"neutral","sentiment_score":0.10063367864737909,"num_words":18,"start":933.8,"end":955.95},{"sentences":[{"text":"Not quite.","start":957.69,"end":958.33,"sentiment":"neutral","sentiment_score":-0.01759299449622631},{"text":"It still needs some a few little old k o amendments to it, but we own it outright.","start":958.33,"end":965.465,"sentiment":"neutral","sentiment_score":0.010383323869771428},{"text":"So we just plug along, and we have spare cash.","start":965.465,"end":968.42505,"sentiment":"neutral","sentiment_score":0.043808915093541144},{"text":"We do stuff to it, but it works well now for weekends or a week, but I don't know if I could leave it a year the way it is.","start":968.42505,"end":978.64996,"sentiment":"neutral","sentiment_score":0.03403731708725293},{"text":"But we're tweaking it slowly as we need to.","start":978.64996,"end":980.99,"sentiment":"neutral","sentiment_score":0.027115679449505277}],"sentiment":"neutral","sentiment_score":0.02688353071394174,"num_words":69,"start":957.69,"end":980.99},{"sentences":[{"text":"Five years.","start":985.52997,"end":986.235,"sentiment":"neutral","sentiment_score":0.012323513627052307},{"text":"Yep.","start":1000.39496,"end":1000.89496,"sentiment":"neutral","sentiment_score":0.011711601167917252},{"text":"Yeah.","start":1001.29,"end":1001.53,"sentiment":"neutral","sentiment_score":-0.03641240671277046},{"text":"No.","start":1001.53,"end":1001.77,"sentiment":"neutral","sentiment_score":-0.13894914090633392},{"text":"Someone's just in the I'm standing outside out of the wind, and someone's just rubbing their car beside me as you do.","start":1001.77,"end":1009.15,"sentiment":"neutral","sentiment_score":-0.18424386226318099}],"sentiment":"neutral","sentiment_score":-0.15527288477729867,"num_words":27,"start":985.52997,"end":1009.15},{"sentences":[{"text":"Oh, can't you?","start":1011.85,"end":1012.57,"sentiment":"neutral","sentiment_score":-0.06655935446421306},{"text":"Okay.","start":1012.57,"end":1012.89,"sentiment":"neutral","sentiment_score":-0.05152447149157524},{"text":"I thought you said that you could hear that.","start":1012.89,"end":1015.245,"sentiment":"neutral","sentiment_score":-0.10800486678878467},{"text":"Okay.","start":1024.605,"end":1024.845,"sentiment":"neutral","sentiment_score":-0.014645693823695185},{"text":"What it's worth Well, if we sold it tomorrow, we'd probably get 30 for it.","start":1024.845,"end":1031.61,"sentiment":"neutral","sentiment_score":-0.004502915358170867}],"sentiment":"neutral","sentiment_score":-0.0450150262130874,"num_words":29,"start":1011.85,"end":1031.61},{"sentences":[{"text":"Maybe 35.","start":1031.6699,"end":1032.8099,"sentiment":"neutral","sentiment_score":0.016082551330327988},{"text":"Mhmm.","start":1059.12,"end":1059.62,"sentiment":"neutral","sentiment_score":0.03455711156129837},{"text":"Mhmm.","start":1068.24,"end":1068.74,"sentiment":"neutral","sentiment_score":0.020119260996580124},{"text":"Yep.","start":1073.765,"end":1074.265,"sentiment":"neutral","sentiment_score":0.02200459316372871},{"text":"Mhmm.","start":1090.6,"end":1091.1,"sentiment":"neutral","sentiment_score":-0.02812531776726246}],"sentiment":"neutral","sentiment_score":0.013453458435833454,"num_words":6,"start":1031.6699,"end":1091.1},{"sentences":[{"text":"No.","start":1106.395,"end":1106.895,"sentiment":"neutral","sentiment_score":-0.03070850856602192},{"text":"Not that I'm aware of.","start":1107.4349,"end":1108.975,"sentiment":"neutral","sentiment_score":-0.0350649643689394},{"text":"Not that I'm aware of.","start":1110.715,"end":1112.16,"sentiment":"neutral","sentiment_score":-0.042417377978563306},{"text":"He actually drives around the HiAce.","start":1116.88,"end":1118.8201,"sentiment":"neutral","sentiment_score":-0.0002699065177390973},{"text":"So, yeah, that's his daily car, unfortunately, but he doesn't go far.","start":1120.7201,"end":1125.4601,"sentiment":"neutral","sentiment_score":-0.02375007203469674}],"sentiment":"neutral","sentiment_score":-0.024301397373321754,"num_words":29,"start":1106.395,"end":1125.4601},{"sentences":[{"text":"Yep.","start":1133.205,"end":1133.705,"sentiment":"neutral","sentiment_score":0.08903717994689941},{"text":"Yep.","start":1136.005,"end":1136.505,"sentiment":"neutral","sentiment_score":0.05763199180364609},{"text":"Yeah.","start":1138.725,"end":1139.225,"sentiment":"neutral","sentiment_score":0.07700842618942261},{"text":"Look.","start":1146.4401,"end":1146.76,"sentiment":"neutral","sentiment_score":0.03627241775393486},{"text":"I don't know, but I know it's good.","start":1146.76,"end":1148.4401,"sentiment":"neutral","sentiment_score":0.03882721104309894}],"sentiment":"neutral","sentiment_score":0.04754730866989121,"num_words":12,"start":1133.205,"end":1148.4401},{"sentences":[{"text":"He's been a teacher for thirty six years.","start":1148.4401,"end":1150.7001,"sentiment":"neutral","sentiment_score":0.02786294068209827},{"text":"I know he drew down on it to pay the mortgage out because he got unwell, And then he retired from teaching, and now he just works in a bottle shop.","start":1151.3201,"end":1160.615,"sentiment":"neutral","sentiment_score":-0.03828725939796817},{"text":"He's a bit older than me, though.","start":1160.615,"end":1161.8151,"sentiment":"neutral","sentiment_score":-0.07363372189658028},{"text":"He's already 65.","start":1161.8151,"end":1163.195,"sentiment":"neutral","sentiment_score":-0.027293236926198006},{"text":"And so I'm gonna say maybe 200,000, but I don't actually know.","start":1164.775,"end":1172.77,"sentiment":"neutral","sentiment_score":-0.04298665514215827}],"sentiment":"neutral","sentiment_score":-0.034051756420340695,"num_words":61,"start":1148.4401,"end":1172.77},{"sentences":[{"text":"It could be more.","start":1172.77,"end":1173.8099,"sentiment":"neutral","sentiment_score":-0.09152774512767792},{"text":"It could be less.","start":1173.8099,"end":1174.7899,"sentiment":"neutral","sentiment_score":-0.11734935268759727},{"text":"But I know he took two 100 out of it.","start":1176.77,"end":1179.19,"sentiment":"neutral","sentiment_score":-0.006576172262430191},{"text":"Okay.","start":1196.35,"end":1196.59,"sentiment":"neutral","sentiment_score":0.15811070799827576},{"text":"Brilliant.","start":1196.59,"end":1197.09,"sentiment":"neutral","sentiment_score":0.23067286610603333}],"sentiment":"neutral","sentiment_score":-0.02562432698905468,"num_words":20,"start":1172.77,"end":1197.09},{"sentences":[{"text":"Sounds good.","start":1197.47,"end":1198.2899,"sentiment":"positive","sentiment_score":0.5737957656383514},{"text":"Sounds good.","start":1202.2699,"end":1203.1699,"sentiment":"positive","sentiment_score":0.698587954044342},{"text":"Okay.","start":1205.23,"end":1205.73,"sentiment":"positive","sentiment_score":0.44417139887809753},{"text":"Thanks so much.","start":1205.87,"end":1207.0099,"sentiment":"positive","sentiment_score":0.6581960121790568},{"text":"Okay.","start":1209.1499,"end":1209.5499,"sentiment":"positive","sentiment_score":0.45031875371932983}],"sentiment":"positive","sentiment_score":0.601538403166665,"num_words":9,"start":1197.47,"end":1209.5499},{"sentences":[{"text":"Great.","start":1209.5499,"end":1209.87,"sentiment":"positive","sentiment_score":0.8182603716850281},{"text":"Thank you so much.","start":1209.87,"end":1211.0099,"sentiment":"positive","sentiment_score":0.8301479071378708},{"text":"Okay.","start":1213.1069,"end":1213.6069,"sentiment":"positive","sentiment_score":0.33336198329925537},{"text":"No worries.","start":1213.907,"end":1214.467,"sentiment":"neutral","sentiment_score":0.216998390853405},{"text":"Bye.","start":1214.467,"end":1214.967,"sentiment":"neutral","sentiment_score":0.2379920929670334}],"sentiment":"positive","sentiment_score":0.5715780953566233,"num_words":9,"start":1209.5499,"end":1214.967}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Can you hear me now?\n\nChannel 0: I have got you loud and clear.\n\nChannel 1: Oh my goodness. What's going on? It's really windy here. Maybe that's an issue. Sometimes yeah.\n\nI yeah. I never really have issues here, but I thought I'd be safe. Anyway, we're back. That's good.\n\nChannel 0: Where's that? Just to remind you, our calls are recorded as well.\n\nChannel 1: Yes. All good.\n\nChannel 0: So yeah. So Yeah. You you it depends on what you're wanting to achieve for your retirement for the fund as a whole, but currently the balance is 149,000.\n\nChannel 1: Right. Okay. So where do I go moving forward? Should I be putting some back into cash? What's your recommendation?\n\nChannel 0: Realistically speaking, like, there's there's a couple of the assets I wouldn't mind maybe doing a little bit of a tweak with, like,\n\nChannel 1: Yes.\n\nChannel 0: restabilizing the account in terms of asset holdings. But overall, realistically, cash so a cash asset completely protects the what you've built, but it\n\nChannel 1: Yes.\n\nChannel 0: doesn't create further wealth. So\n\nChannel 1: But it\n\nChannel 0: if\n\nChannel 1: avoids\n\nChannel 0: what you're\n\nChannel 1: loss.\n\nChannel 0: it it it avoid loss in the I have a $149,000 and my $149,000 is there, But it doesn't avoid loss in the, well, CPI is increasing value wise today is not what a $149,000 is worth tomorrow.\n\nChannel 1: Right.\n\nChannel 0: So it does create, I guess, stability in what you have, but it's not going to continue growing or assisting you with your retirement. But, realistically speaking, you're you've you've you've said 50 at the beginning of the year. So it's at least ten years before you can access the\n\nChannel 1: Yep.\n\nChannel 0: wealth that you've that you've built. So it's ten years\n\nChannel 1: Yeah.\n\nChannel 0: before you can patch it, ten years before you would look to liquidate the asset. So in the next\n\nChannel 1: Yeah.\n\nChannel 0: ten years, you can realistically expect at least one, possibly two economic cycles because the the the market is cyclical. So you do go through the growth phase, the recession phase, the recovery phase, and all through that. So you will see times where the market does dip, the value of the asset does dip, and then it comes back up and and around and through. And what it is is that providing during the market dips, you're not selling the assets, then the assets still hold. It's like it's like a house.\n\nYou have all of these little bricks that built like, that make up a house. And what you did is during the time like, during your entire working phase, every time you put money into the fund, you were buying a brick to build this house. So over the time that you built this house, and they cost all different amounts throughout the time. Now if the market drops and you go and sell the entire dollar value, and then you've solidified and you've you've you've actualized whatever gain or loss you've made. If you hold the house, hold the bricks, then When it comes to, like, a a long term investment like your super fund, realistically speaking, when you retire, there's only a very small percentage of people that actually take the entire amount and and and withdraw all of it in income stream during their retirement.\n\nSo they'll sell down on small amounts slowly over time, dollar cost averaging the money out of their fund just as it went in. So they're not gonna solidify the the the gain or the loss at one period of time. Now, obviously, as I said, I guess, earlier, it depends on what you wanna do with the fund. That would sort of, I guess, depend on the structure that we kind of make moving forward. But you are right.\n\nThe 140 a $149,000 isn't a huge amount of money. It's it's pretty average in terms of, like, your age wise on on how much people in your age category have, But we can do more with it. We can build more with it. It's just depending on how much risk you're willing to take and where your comfort level does fit because\n\nChannel 1: Well,\n\nChannel 0: that does\n\nChannel 1: how\n\nChannel 0: come\n\nChannel 1: lucrative\n\nChannel 0: into\n\nChannel 1: is\n\nChannel 0: it.\n\nChannel 1: the market at the moment? Like, are we are we looking at more dips and ups? Or is it\n\nChannel 0: At the moment, the market's been a little bit volatile. Well, it's it's been it's always it's always volatile. We've just come off the back of a pretty good run from March to now, which is why\n\nChannel 1: Lucky\n\nChannel 0: you're sitting so yeah. Really, honestly, sitting so pretty. When I was\n\nChannel 1: me.\n\nChannel 0: looking into it, I'd sat there and nearly cried when I opened it up, and I was like, hang on a second. March is when the market dropped. Oh my god. There's timing on my side.\n\nChannel 1: Yeah. Right.\n\nChannel 0: So, yeah, we're we're we're coming to sort of like there's been a really good run. Last few like, last couple of weeks, there's been a couple of drops in different segments. There's different economists that are that are predicting come early next year. We're gonna have a little bit of a drop. And then there's the you know, there's other economists that are predicting that market's gonna have a drop.\n\nOthers are predicting that market's gonna sorry. The property markets are gonna keep keep doing what they've been doing. So it's all a little bit up in the air as to where it actually is going to land at this point. But the one thing that, I guess, always tracks through is selling out and being in cash is not gonna benefit long term versus being invested and riding it out will. It just comes down to when you turn 60, if the market's in it down and you wanna sell out all of it, that's when you're gonna lose.\n\nBut if when you turn 60, the market's in and up, then happy days.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, it's just again, what is your goal when it comes to retirement? And that's probably the the the easiest way I can solve this is what do\n\nChannel 1: Yeah.\n\nChannel 0: you actually wanna do when you hit retirement?\n\nChannel 1: Well, nothing. Relax. Holiday. What everybody wants to do,\n\nChannel 0: Yep.\n\nChannel 1: live comfortably.\n\nChannel 0: Yeah. What age is retirement? Is retirement 60, or is retirement 65, 62?\n\nChannel 1: Well, I do plan on taking a year unpaid leave and doing some travel, so that will affect it.\n\nChannel 0: Yeah.\n\nChannel 1: But, yes, the the plan is probably 65.\n\nChannel 0: Okay. So when's\n\nChannel 1: 15\n\nChannel 0: the\n\nChannel 1: years.\n\nChannel 0: when's the unpaid leave planned for?\n\nChannel 1: Well, it was gonna be August this year, but it's now changed probably August next year.\n\nChannel 0: Okay. And how are we, I guess, funding that?\n\nChannel 1: We are going to rent out our house and live cheap\n\nChannel 0: Yep.\n\nChannel 1: and just probably work a bit along the way.\n\nChannel 0: Perfect. So, basically, the rental income from the house will create income for you guys, like, to to\n\nChannel 1: Yeah.\n\nChannel 0: live\n\nChannel 1: Pretty\n\nChannel 0: on.\n\nChannel 1: much. And it'll, you know, keep our asset fixed whether I sell my car or not. But, yeah, I think we should be able to live off the income from the property.\n\nChannel 0: Yeah. Amazing. Do you know, like, what do you know what your property is valued at at the moment?\n\nChannel 1: 1.4. So\n\nChannel 0: Perfect.\n\nChannel 1: I think the rental income would be maybe 700 a week. We could get more according because it's a three bedroom townhouse across the road from the beach in you know, people are renting out there for a thousand dollars a week, but they're more Airbnbs. I think the house next door to us rents out it's a bigger house. It's got five bedrooms. We've only got three.\n\nBut it rents out for $1,300 a night, and they just rented out in holiday periods. Whereas we would probably be looking at a long\n\nChannel 0: Yep.\n\nChannel 1: term\n\nChannel 0: Long term\n\nChannel 1: tenant\n\nChannel 0: lease.\n\nChannel 1: for twelve months,\n\nChannel 0: Yeah.\n\nChannel 1: so we don't really have to worry about dealing with that while we're away. So,\n\nChannel 0: And\n\nChannel 1: yeah,\n\nChannel 0: it's the\n\nChannel 1: I\n\nChannel 0: uncertainty\n\nChannel 1: think\n\nChannel 0: of income when you do short term leases\n\nChannel 1: yeah.\n\nChannel 0: like that.\n\nChannel 1: Yeah. And at this stage, it could be rented out to our children, so we kinda wanna help them as well. So we wanna\n\nChannel 0: Yeah.\n\nChannel 1: have enough to live on as well as so, yeah, that should pay the bills and give us, you know, $500 a week to live on. And then we've got a little bit in savings as well. So and then probably pick up work along the way. So\n\nChannel 0: Absolutely.\n\nChannel 1: I mean, it it'll be living cheaply and living yeah. But it's it's not going to be any lavish. But we live in our car like, we'll live in our car. We have a a decked out van, so we don't need much income. We don't think\n\nChannel 0: No.\n\nChannel 1: maybe maybe\n\nChannel 0: That's fair\n\nChannel 1: we need\n\nChannel 0: enough.\n\nChannel 1: more than we think, but, you know, there's always work. So,\n\nChannel 0: Yeah. So house house is worth it at 1.2 ish, and we don't have a debt on it at all, do we?\n\nChannel 1: Yep. No. My husband my partner, he owns it. So there's no mortgage on\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Amazing. So we set ourselves up nicely there with no mortgage, so no overheads. And then your car, last day, I had recorded we had a little bit of a a debt on the car.\n\nChannel 1: Yeah. I think\n\nChannel 0: Have\n\nChannel 1: there's,\n\nChannel 0: we paid?\n\nChannel 1: like, 10,000 left on it.\n\nChannel 0: Yep.\n\nChannel 1: Maybe a bit less\n\nChannel 0: So we've\n\nChannel 1: now.\n\nChannel 0: got got that paid down pretty well. And then other than that, it's just, I guess, like, making sure that we have our living expenses. Do you know\n\nChannel 1: Yeah.\n\nChannel 0: what, like, your expenditure per week would be when you're on the road?\n\nChannel 1: Probably I'm probably a thousand dollars a month. So between us, it's probably 2,000 a month.\n\nChannel 0: Yep. Alright. And then, obviously, when you're on the road, you sort of said that you'd be kinda living on about $500 a a week, which is still\n\nChannel 1: Yep.\n\nChannel 0: that 2,000 a month, but, basically\n\nChannel 1: Correct. That's where we kinda got that figure from thinking, okay. Well, if we\n\nChannel 0: yeah.\n\nChannel 1: rent it out for 7 $6.60 or 700, that'll give us enough to cover the bills of the house and give us $500 a week to spend. And that's that's putting a little bit more into bills, like, for emergencies,\n\nChannel 0: Yeah.\n\nChannel 1: etcetera. And\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Because\n\nChannel 1: think we can live\n\nChannel 0: realistically,\n\nChannel 1: off that.\n\nChannel 0: bills wise, you'd only have,\n\nChannel 1: Just\n\nChannel 0: like, the\n\nChannel 1: rates\n\nChannel 0: rights\n\nChannel 1: and insurance and stuff\n\nChannel 0: insurance\n\nChannel 1: like that. Yeah.\n\nChannel 0: and then, like,\n\nChannel 1: Yeah.\n\nChannel 0: the council\n\nChannel 1: Water.\n\nChannel 0: connection fees for water.\n\nChannel 1: Correct. Yeah. And\n\nChannel 0: Yeah.\n\nChannel 1: the rest, the tenants would pay\n\nChannel 0: Yeah. Yeah. They all consumables\n\nChannel 1: electricity and\n\nChannel 0: go\n\nChannel 1: all\n\nChannel 0: to them.\n\nChannel 1: that sort of stuff. Yep.\n\nChannel 0: And your your Internet and everything else drops off. So that's\n\nChannel 1: Yeah.\n\nChannel 0: nice.\n\nChannel 1: Yeah.\n\nChannel 0: This becomes a very large phone bill.\n\nChannel 1: Yeah. We'll probably have Starlink, but that's minimal.\n\nChannel 0: Yeah. Not too expensive. Okay. That's good. And then we're sort of looking at age 65 retirement after twelve months off.\n\nSo twelve months, it'll be time.\n\nChannel 1: Mhmm.\n\nChannel 0: And where like, have you have we talked to work about, like, our job still gonna be, like,\n\nChannel 1: Yes.\n\nChannel 0: there\n\nChannel 1: It will.\n\nChannel 0: when we\n\nChannel 1: I'm\n\nChannel 0: come back?\n\nChannel 1: I'm yeah. I can take twelve months unpaid leave and come back to my position.\n\nChannel 0: Perfect. That's good.\n\nChannel 1: Yeah. Yep. I have spoken to them.\n\nChannel 0: Good. Because previously, you you were doing sort two occupations. You had the digital marketing officer and then the balance RSL.\n\nChannel 1: Yes.\n\nChannel 0: Are we\n\nChannel 1: No.\n\nChannel 0: still\n\nChannel 1: Not\n\nChannel 0: doing\n\nChannel 1: working\n\nChannel 0: both?\n\nChannel 1: at the RSL anymore. No. No. Got a bit much.\n\nChannel 0: Yeah. Fair. Absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fair.\n\nChannel 1: I didn't love it. It was fun at the time initially, but, yeah, I just it got too tiring late nights and then\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Early morning. Yep.\n\nChannel 1: For not, yeah, for not the income you want because there's so much tax on it. So\n\nChannel 0: Yes. Yeah. On the second job. Absolutely. Do you know what your gross income is with your with your job?\n\nChannel 1: 92.\n\nChannel 0: Perfect. Alright. And your, like, your your EBA or in great agreement is just the standard super contributions for my record? There's no additional.\n\nChannel 1: Well, I'm with council under government, so I think that we do pay a little bit more in super. They give a little bit more to super.\n\nChannel 0: Yeah. Perfect. It's\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: don't know\n\nChannel 0: new like, obviously,\n\nChannel 1: what the\n\nChannel 0: New South Wales.\n\nChannel 1: is it what is the standard now? I think we pay 12 and a half percent\n\nChannel 0: Yes. The standard\n\nChannel 1: contribution.\n\nChannel 0: 12. Governments are usually 12 and a half to 12.75.\n\nChannel 1: Yeah. I think I'm 12\n\nChannel 0: Some\n\nChannel 1: and\n\nChannel 0: government\n\nChannel 1: a half. Yeah.\n\nChannel 0: yeah. Some governments do 14 to 15, but and on the branch and the EBA that is attached. Always a pain to kind of figure out, but they generally have pretty good documentation of contracts. They're easy enough to look up.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So 12 and a half percent. Fantastic. And then I guess outside of that, we've got the car credit card, the ZipPay account, or Afterpay account in terms of, like, loans or debts.\n\nChannel 1: Yeah. Nine. Well, no. I think there's, like I don't know. I think I might have one of those Zip Pays or something, which I probably owe to one.\n\nBut this kinda sits there and ticks along in the background.\n\nChannel 0: Yeah. From I guess, from a from a lending point of view, any of those accounts that are open are a line of credit\n\nChannel 1: Yeah.\n\nChannel 0: even if they extend it zero. So, like, your credit card is a line of credit even if it's it has nothing owing on it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So, like, I have plenty of clients that live on their credit card. So, you know, they they'll have sort of, like, a 2 or $3 credit limit. They'll live on their credit card through the month, get paid, and then and everything like that.\n\nChannel 1: Yeah.\n\nChannel 0: But when when any lender looks at it, they'll they they see it as a line of credit. So now how are we tripping around? Are we camper van,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: caravan?\n\nChannel 1: We've got a we've got a HiAce.\n\nChannel 0: Oh, yep. Yep. Yep. Yep. Perfect.\n\nChannel 1: Yeah. So camper van, I guess you call that.\n\nChannel 0: Yeah. And that's your, like, yours and your partner's?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And we're all set up ready to go for for twelve\n\nChannel 1: Close.\n\nChannel 0: months, which We're dying. Close\n\nChannel 1: Not quite.\n\nChannel 0: to set\n\nChannel 1: It\n\nChannel 0: up.\n\nChannel 1: still needs some a few little old k o amendments to it, but we own\n\nChannel 0: Yep.\n\nChannel 1: it outright. So we just plug along, and we have spare cash. We do stuff to it, but\n\nChannel 0: Yep. No. Beautiful.\n\nChannel 1: it\n\nChannel 0: Yeah.\n\nChannel 1: works\n\nChannel 0: How\n\nChannel 1: well\n\nChannel 0: long have\n\nChannel 1: now\n\nChannel 0: you\n\nChannel 1: for weekends or a week, but I don't know if I could leave it a year the way it is. But we're tweaking it slowly as we need to.\n\nChannel 0: no. That's fair. How long have you and your partner been together Scott?\n\nChannel 1: Five years.\n\nChannel 0: Right? Beautiful. Amazing. Well, honestly, a year away across the country, that was definitely fantastic at all.\n\nChannel 1: Yep. Yeah. No. Someone's just in the I'm standing outside out of the wind, and someone's just rubbing their car beside me as you do.\n\nChannel 0: I actually can't even hear it.\n\nChannel 1: Oh, can't you? Okay. I thought you\n\nChannel 0: No.\n\nChannel 1: said that you could hear that.\n\nChannel 0: No. No. I actually can't hear it at all. Do you know what the motor home's worth or the highest?\n\nChannel 1: Okay. What it's worth\n\nChannel 0: Yeah.\n\nChannel 1: Well, if we sold it tomorrow, we'd probably get 30 for it. Maybe 35.\n\nChannel 0: Perfect. Alright. So I guess on everything, I guess, the way it stands, what I will do is I can go ahead and I can based on what you're wanting to do with with the with your super fund, when you're aiming to access it, like, access the funds, is\n\nChannel 1: Mhmm.\n\nChannel 0: I can go and do some modeling based on income and and contribution, including\n\nChannel 1: Mhmm.\n\nChannel 0: the twelve month, I guess,\n\nChannel 1: Yep.\n\nChannel 0: holiday. And that'll give us an indication as to we hit a 65, what is our drawdown looking like based on the assets that we own now? What is our income looking like overall and where everything fits. I guess the only\n\nChannel 1: Mhmm.\n\nChannel 0: piece of information I'm probably missing is if there's any anything that Scott owns that would affect you because as a partnership, one person affects the other. So is there sort of any secret investment holdings or\n\nChannel 1: No.\n\nChannel 0: cash pool or\n\nChannel 1: Not that I'm aware of.\n\nChannel 0: electric?\n\nChannel 1: Not that I'm aware of.\n\nChannel 0: No. It's okay. I'm assuming he has a car as well, so I'll I'll just assume that that's\n\nChannel 1: He\n\nChannel 0: sort\n\nChannel 1: actually\n\nChannel 0: of\n\nChannel 1: drives\n\nChannel 0: similar ish\n\nChannel 1: around the HiAce.\n\nChannel 0: value. Oh, cool.\n\nChannel 1: So, yeah, that's his daily car, unfortunately, but he doesn't go far.\n\nChannel 0: That's okay. Cool. So it's it's basically just the the PPR, like, the the home, principal place\n\nChannel 1: Yep.\n\nChannel 0: of residence, the two vehicles,\n\nChannel 1: Yep.\n\nChannel 0: like, home and contents,\n\nChannel 1: Yeah.\n\nChannel 0: your super fund. And do you know roughly\n\nChannel 1: Look. I don't know, but I know it's good. He's been a teacher for thirty six years. I know he drew down on it to pay the mortgage out because he got unwell, And then he retired from teaching, and now he just works in a bottle shop. He's a bit older than me, though.\n\nHe's already 65.\n\nChannel 0: Yep.\n\nChannel 1: And so I'm gonna say maybe 200,000, but I don't actually know.\n\nChannel 0: No. That's\n\nChannel 1: It\n\nChannel 0: okay.\n\nChannel 1: could be more. It could be less. But\n\nChannel 0: Alright.\n\nChannel 1: I know\n\nChannel 0: It\n\nChannel 1: he\n\nChannel 0: gives\n\nChannel 1: took\n\nChannel 0: me\n\nChannel 1: two\n\nChannel 0: a\n\nChannel 1: 100\n\nChannel 0: ballpark.\n\nChannel 1: out of it.\n\nChannel 0: Alright. Cool. Good to know. Alright. Well, what I will do is I will model everything out, have a look at where everything fits, and then sort of give an indication as to where everything's sitting with regards to income long term and and go from there with\n\nChannel 1: Okay.\n\nChannel 0: everything.\n\nChannel 1: Brilliant.\n\nChannel 0: And then\n\nChannel 1: Sounds good.\n\nChannel 0: we can kinda convene and have a chat again in two weeks.\n\nChannel 1: Sounds good.\n\nChannel 0: Alright. Perfect.\n\nChannel 1: Okay.\n\nChannel 0: I\n\nChannel 1: Thanks\n\nChannel 0: will get everything\n\nChannel 1: so much.\n\nChannel 0: put together and speak to you then.\n\nChannel 1: Okay. Great. Thank you so much.\n\nChannel 0: No problem. Thanks for\n\nChannel 1: Okay.\n\nChannel 0: the call.\n\nChannel 1: No worries. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Can you hear me now?","start":1.5999999,"end":2.82,"sentiment":"neutral","sentiment_score":0.00619532261043787}],"sentiment":"neutral","sentiment_score":0.00619532261043787,"channel":1,"num_words":5,"start":1.5999999,"end":2.82},{"sentences":[{"text":"I have got you loud and clear.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.0680545802627291}],"sentiment":"neutral","sentiment_score":0.0680545802627291,"channel":0,"num_words":7,"start":3.1999998,"end":4.74},{"sentences":[{"text":"Oh my goodness.","start":4.4,"end":5.46,"sentiment":"neutral","sentiment_score":0.08383065710465114},{"text":"What's going on?","start":5.92,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.01117483867953221},{"text":"It's really windy here.","start":6.8799996,"end":8.16,"sentiment":"negative","sentiment_score":-0.4813353046774864},{"text":"Maybe that's an issue.","start":8.16,"end":9.38,"sentiment":"negative","sentiment_score":-0.3857356756925583},{"text":"Sometimes yeah.","start":9.679999,"end":11.04,"sentiment":"neutral","sentiment_score":-0.171950563788414}],"sentiment":"neutral","sentiment_score":-0.22463859961135313,"channel":1,"num_words":16,"start":4.4,"end":11.04},{"sentences":[{"text":"I yeah.","start":11.04,"end":11.92,"sentiment":"neutral","sentiment_score":-0.1561480239033699},{"text":"I never really have issues here, but I thought I'd be safe.","start":11.92,"end":15.165,"sentiment":"neutral","sentiment_score":-0.1653733750184377},{"text":"Anyway, we're back.","start":15.165,"end":16.125,"sentiment":"neutral","sentiment_score":0.15791931748390198},{"text":"That's good.","start":16.125,"end":17.025,"sentiment":"positive","sentiment_score":0.47930486500263214}],"sentiment":"neutral","sentiment_score":-0.04549520345110642,"channel":1,"num_words":19,"start":11.04,"end":17.025},{"sentences":[{"text":"Where's that?","start":17.215,"end":18.035,"sentiment":"neutral","sentiment_score":0.2094273790717125},{"text":"Just to remind you, our calls are recorded as well.","start":18.255,"end":20.515,"sentiment":"neutral","sentiment_score":0.06950357183814049}],"sentiment":"neutral","sentiment_score":0.09282420637706916,"channel":0,"num_words":12,"start":17.215,"end":20.515},{"sentences":[{"text":"Yes.","start":20.685,"end":21.165,"sentiment":"neutral","sentiment_score":0.2061132937669754},{"text":"All good.","start":21.165,"end":21.905,"sentiment":"positive","sentiment_score":0.38994748890399933}],"sentiment":"neutral","sentiment_score":0.3286694238583247,"channel":1,"num_words":3,"start":20.685,"end":21.905},{"sentences":[{"text":"So yeah.","start":23.055,"end":23.615,"sentiment":"neutral","sentiment_score":0.15169481188058853},{"text":"So Yeah.","start":23.615,"end":29.070002,"sentiment":"neutral","sentiment_score":0.09562411531805992},{"text":"You you it depends on what you're wanting to achieve 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overall, realistically, cash so a cash asset completely protects the what you've built, but it","start":60.29,"end":73.815,"sentiment":"neutral","sentiment_score":0.12171276495791972}],"sentiment":"neutral","sentiment_score":0.10689636568228404,"channel":0,"num_words":24,"start":55.015,"end":73.815},{"sentences":[{"text":"Yes.","start":73.604996,"end":74.104996,"sentiment":"neutral","sentiment_score":0.0613541416823864}],"sentiment":"neutral","sentiment_score":0.0613541416823864,"channel":1,"num_words":1,"start":73.604996,"end":74.104996},{"sentences":[{"text":"doesn't create further wealth.","start":73.815,"end":76.235,"sentiment":"neutral","sentiment_score":0.02369569055736065},{"text":"So","start":76.935005,"end":77.435005,"sentiment":"neutral","sentiment_score":0.003668084740638733}],"sentiment":"neutral","sentiment_score":0.019690169394016264,"channel":0,"num_words":5,"start":73.815,"end":77.435005},{"sentences":[{"text":"But 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you're","start":77.735,"end":78.135,"sentiment":"neutral","sentiment_score":-0.11880480498075485}],"sentiment":"neutral","sentiment_score":-0.11880480498075485,"channel":0,"num_words":2,"start":77.735,"end":78.135},{"sentences":[{"text":"loss.","start":78.244995,"end":78.744995,"sentiment":"neutral","sentiment_score":-0.13705508410930634}],"sentiment":"neutral","sentiment_score":-0.13705508410930634,"channel":1,"num_words":1,"start":78.244995,"end":78.744995},{"sentences":[{"text":"it it it avoid loss in the I have a $149,000 and my $149,000 is there, But it doesn't avoid loss in the, well, CPI is increasing value wise today is not what a $149,000 is worth tomorrow.","start":79.895004,"end":100.14,"sentiment":"neutral","sentiment_score":-0.05874263044250639}],"sentiment":"neutral","sentiment_score":-0.05874263044250639,"channel":0,"num_words":38,"start":79.895004,"end":100.14},{"sentences":[{"text":"Right.","start":101.265,"end":101.765,"sentiment":"neutral","sentiment_score":0.04110317304730415}],"sentiment":"neutral","sentiment_score":0.04110317304730415,"channel":1,"num_words":1,"start":101.265,"end":101.765},{"sentences":[{"text":"So it does create, I guess, stability in what you have, but it's not going to continue growing or assisting you with your retirement.","start":102.685005,"end":113.425,"sentiment":"neutral","sentiment_score":0.0581574491225183},{"text":"But, realistically speaking, you're you've you've you've said 50 at the beginning of the year.","start":114.25,"end":118.75,"sentiment":"neutral","sentiment_score":-0.029749443630377452},{"text":"So it's at least ten years before you can access 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years","start":124.89,"end":125.85,"sentiment":"neutral","sentiment_score":-0.01765745086595416}],"sentiment":"neutral","sentiment_score":0.0028622701764106752,"channel":0,"num_words":10,"start":123.29,"end":125.85},{"sentences":[{"text":"Yeah.","start":125.695,"end":126.195,"sentiment":"neutral","sentiment_score":-0.028711315244436264}],"sentiment":"neutral","sentiment_score":-0.028711315244436264,"channel":1,"num_words":1,"start":125.695,"end":126.195},{"sentences":[{"text":"before you can patch it, ten years before you would look to liquidate the asset.","start":125.85,"end":130.685,"sentiment":"neutral","sentiment_score":-0.05517293686668078},{"text":"So in the 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market at the moment?","start":281.47,"end":282.59,"sentiment":"neutral","sentiment_score":-0.04204854443669319},{"text":"Like, are we are we looking at more dips and ups?","start":282.59,"end":287.55002,"sentiment":"neutral","sentiment_score":-0.04667081226679412},{"text":"Or is it","start":287.55002,"end":288.37,"sentiment":"neutral","sentiment_score":-0.012677181356896957}],"sentiment":"neutral","sentiment_score":-0.04008701058888906,"channel":1,"num_words":19,"start":281.47,"end":288.37},{"sentences":[{"text":"At the moment, the market's been a little bit volatile.","start":289.46,"end":291.96,"sentiment":"neutral","sentiment_score":-0.17970242649316787},{"text":"Well, it's it's been it's always it's always volatile.","start":292.02002,"end":295.16,"sentiment":"neutral","sentiment_score":-0.0699006426665518},{"text":"We've just come off the back of a pretty good run from March to now, which is 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was","start":308.315,"end":308.795,"sentiment":"neutral","sentiment_score":0.04324140399694443}],"sentiment":"neutral","sentiment_score":0.27534218318760395,"channel":0,"num_words":12,"start":304.155,"end":308.795},{"sentences":[{"text":"me.","start":308.65,"end":309.15,"sentiment":"neutral","sentiment_score":0.07528029382228851}],"sentiment":"neutral","sentiment_score":0.07528029382228851,"channel":1,"num_words":1,"start":308.65,"end":309.15},{"sentences":[{"text":"looking into it, I'd sat there and nearly cried when I opened it up, and I was like, hang on a second.","start":308.795,"end":313.135,"sentiment":"neutral","sentiment_score":-0.11217885100367395},{"text":"March is when the market dropped.","start":313.46002,"end":315.16,"sentiment":"neutral","sentiment_score":-0.21443603187799454},{"text":"Oh my god.","start":315.54,"end":316.18002,"sentiment":"neutral","sentiment_score":-0.19394001364707947},{"text":"There's timing on my 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They also mention the volatility of the market and the goal of living comfortably and off the income from the property. The speakers discuss retirement plans and savings from rental income and debt on the car. They also talk about expenses and living expenses, including rent, utilities, and insurance, and discuss retirement plans and gross income. They suggest modeling income and contribution to determine drawdown and income for the customer's super fund and plan to speak again in two weeks to further discuss income and contribution."},"intents":{"segments":[{"text":"Should I be putting some back into cash? What's your recommendation?","start_word":100,"end_word":110,"intents":[{"intent":"Recommend putting money into cash","confidence_score":0.0502843},{"intent":"Discuss value of cash assets","confidence_score":0.00004178517}]},{"text":"So But it if avoids what you're loss. it it it avoid loss in the I have a $149,000 and my $149,000 is there, But it doesn't avoid loss in the, well, CPI is increasing value wise today is not what a $149,000 is worth tomorrow. Right.","start_word":164,"end_word":210,"intents":[{"intent":"Discuss avoiding losses","confidence_score":0.09929015},{"intent":"Discuss avoiding losses in cpi","confidence_score":0.0040516355},{"intent":"Discuss avoiding losses","confidence_score":0.03489155}]},{"text":"ten years, you can realistically expect at least one, possibly two economic cycles because the the the market is cyclical. So you do go through the growth phase, the recession phase, the recovery phase, and all through that.","start_word":293,"end_word":330,"intents":[{"intent":"Discuss economic cycles","confidence_score":0.022676472}]},{"text":"So you will see times where the market does dip, the value of the asset does dip, and then it comes back up and and around and through.","start_word":332,"end_word":359,"intents":[{"intent":"Analyze asset value and market dynamics","confidence_score":0.011998351}]},{"text":"Or is it At the moment, the market's been a little bit volatile.","start_word":703,"end_word":715,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.0911731}]},{"text":"So, basically, the rental income from the house will create income for you guys, like, to to Yeah. live Pretty on. much. And it'll, you know, keep our asset fixed whether I sell my car or not. But, yeah, I think we should be able to live off the income from the property. Yeah.","start_word":1129,"end_word":1182,"intents":[{"intent":"Providing rental income","confidence_score":0.031849507},{"intent":"Explaining potential income increase","confidence_score":0.00019332198}]},{"text":"I think the rental income would be maybe 700 a week. We could get more according because it's a three bedroom townhouse across the road from the beach in you know, people are renting out there for a thousand dollars a week, but they're more Airbnbs.","start_word":1204,"end_word":1249,"intents":[{"intent":"Considering potential future rental housing options","confidence_score":2.8851332e-7}]},{"text":"I think the house next door to us rents out it's a bigger house. It's got five bedrooms. We've only got three. But it rents out for $1,300 a night, and they just rented out in holiday periods.","start_word":1250,"end_word":1287,"intents":[{"intent":"Voicing intention to rent house","confidence_score":6.1088525e-7}]},{"text":"Whereas we would probably be looking at a long Yep. term Long term tenant lease. for twelve months, Yeah.","start_word":1288,"end_word":1306,"intents":[{"intent":"Discussing long term lease options","confidence_score":0.000012030534}]},{"text":"have enough to live on as well as so, yeah, that should pay the bills and give us, you know, $500 a week to live on. And then we've got a little bit in savings as well. So and then probably pick up work along the way. So Absolutely.","start_word":1366,"end_word":1414,"intents":[{"intent":"Plan budget","confidence_score":0.004372853}]},{"text":"60 or 700, that'll give us enough to cover the bills of the house and give us $500 a week to spend.","start_word":1688,"end_word":1709,"intents":[{"intent":"Cover bills","confidence_score":0.7793407}]},{"text":"And then we're sort of looking at age 65 retirement after twelve months off. So twelve months, it'll be time. Mhmm.","start_word":1826,"end_word":1846,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.011911468}]},{"text":"Do you know what your gross income is with your with your job? 92.","start_word":1996,"end_word":2009,"intents":[{"intent":"Compare income","confidence_score":0.00041211187}]},{"text":"Well, I'm with council under government, so I think that we do pay a little bit more in super. They give a little bit more to super. Yeah. Perfect.","start_word":2034,"end_word":2062,"intents":[{"intent":"Clarify payment terms","confidence_score":0.003396108}]},{"text":"We've got a we've got a HiAce.","start_word":2363,"end_word":2369,"intents":[{"intent":"Confirm vehicle ownership","confidence_score":0.008359603}]},{"text":"So camper van, I guess you call that. Yeah.","start_word":2377,"end_word":2385,"intents":[{"intent":"Set up camper van","confidence_score":0.006511546}]},{"text":"How long have you and your partner been together Scott? Five years. Right?","start_word":2497,"end_word":2509,"intents":[{"intent":"Confirm partner's financial plans","confidence_score":0.000011150286}]},{"text":"Do you know what the motor home's worth or the highest? Okay.","start_word":2580,"end_word":2591,"intents":[{"intent":"Confirm motor home value","confidence_score":0.072103664}]},{"text":"Well, if we sold it tomorrow, we'd probably get 30 for it. Maybe 35.","start_word":2596,"end_word":2609,"intents":[{"intent":"Confirm price","confidence_score":0.0011445171}]},{"text":"Well, if we sold it tomorrow, we'd probably get 30 for it. Maybe 35. Perfect.","start_word":2596,"end_word":2610,"intents":[{"intent":"Confirm future update","confidence_score":0.0000070200012}]},{"text":"So I guess on everything, I guess, the way it stands, what I will do is I can go ahead and I can based on what you're wanting to do with with the with your super fund, when you're aiming to access it, like, access the funds, is Mhmm.","start_word":2612,"end_word":2660,"intents":[{"intent":"Discuss accessing funds","confidence_score":0.018746493}]},{"text":"And that'll give us an indication as to we hit a 65, what is our drawdown looking like based on the assets that we own now?","start_word":2684,"end_word":2709,"intents":[{"intent":"Assess asset portfolios","confidence_score":0.005119467}]}]},"sentiments":{"segments":[{"text":"Can you hear me now? I have got you loud and clear. Oh my goodness. What's going on?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.03457324579358101},{"text":"It's really windy here. Maybe that's an issue.","start_word":18,"end_word":25,"sentiment":"negative","sentiment_score":-0.4324072003364563},{"text":"Sometimes yeah. I yeah. I never really have issues here, but I thought I'd be safe. Anyway, we're back.","start_word":26,"end_word":44,"sentiment":"neutral","sentiment_score":-0.08447232097387314},{"text":"That's good.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.4845660328865051},{"text":"Where's that? Just to remind you, our calls are recorded as well. Yes.","start_word":47,"end_word":59,"sentiment":"neutral","sentiment_score":0.12205801904201508},{"text":"All good.","start_word":60,"end_word":61,"sentiment":"positive","sentiment_score":0.3667427301406861},{"text":"So yeah. So Yeah. You you it depends on what you're wanting to achieve for your retirement for the fund as a whole, but currently the balance is 149,000. Right. Okay. So where do I go moving forward? Should I be putting some back into cash? What's your recommendation? Realistically speaking, like, there's there's a couple of the assets I wouldn't mind maybe doing a little bit of a tweak with, like, Yes. restabilizing the account in terms of asset holdings. But overall, realistically, cash so a cash asset completely protects the what you've built, but it Yes. doesn't create further wealth. So But it if avoids what you're loss. it it it avoid loss in the I have a $149,000 and my $149,000 is there, But it doesn't avoid loss in the, well, CPI is increasing value wise today is not what a $149,000 is worth tomorrow. Right. So it does create, I guess, stability in what you have, but it's not going to continue growing or assisting you with your retirement. But, realistically speaking, you're you've you've you've said 50 at the beginning of the year. So it's at least ten years before you can access the Yep. wealth that you've that you've built. So it's ten years Yeah. before you can patch it, ten years before you would look to liquidate the asset. So in the next Yeah. ten years, you can realistically expect at least one, possibly two economic cycles because the the the market is cyclical. So you do go through the growth phase, the recession phase, the recovery phase, and all through that. So you will see times where the market does dip, the value of the asset does dip, and then it comes back up and and around and through. And what it is is that providing during the market dips, you're not selling the assets, then the assets still hold. It's like it's like a house. You have all of these little bricks that built like, that make up a house. And what you did is during the time like, during your entire working phase, every time you put money into the fund, you were buying a brick to build this house. So over the time that you built this house, and they cost all different amounts throughout the time. Now if the market drops and you go and sell the entire dollar value, and then you've solidified and you've you've you've actualized whatever gain or loss you've made. If you hold the house, hold the bricks, then When it comes to, like, a a long term investment like your super fund, realistically speaking, when you retire, there's only a very small percentage of people that actually take the entire amount and and and withdraw all of it in income stream during their retirement. So they'll sell down on small amounts slowly over time, dollar cost averaging the money out of their fund just as it went in. So they're not gonna solidify the the the gain or the loss at one period of time. Now, obviously, as I said, I guess, earlier, it depends on what you wanna do with the fund. That would sort of, I guess, depend on the structure that we kind of make moving forward. But you are right. The 140 a $149,000 isn't a huge amount of money. It's it's pretty average in terms of, like, your age wise on on how much people in your age category have, But we can do more with it. We can build more with it. It's just depending on how much risk you're willing to take and where your comfort level does fit because Well, that does how come lucrative into is it. the market at the moment? Like, are we are we looking at more dips and ups? Or is it At the moment, the market's been a little bit volatile. Well, it's it's been it's always it's always volatile. We've just come off the back of a pretty good run from March to now, which is why Lucky you're sitting so yeah. Really, honestly, sitting so pretty. When I was me. looking into it, I'd sat there and nearly cried when I opened it up, and I was like, hang on a second. March is when the market dropped. Oh my god. There's timing on my side. Yeah. Right. So, yeah, we're we're we're coming to sort of like there's been a really good run. Last few like, last couple of weeks, there's been a couple of drops in different segments. There's different economists that are that are predicting come early next year. We're gonna have a little bit of a drop. And then there's the you know, there's other economists that are predicting that market's gonna have a drop. Others are predicting that market's gonna sorry. The property markets are gonna keep keep doing what they've been doing. So it's all a little bit up in the air as to where it actually is going to land at this point. But the one thing that, I guess, always tracks through is selling out and being in cash is not gonna benefit long term versus being invested and riding it out will. It just comes down to when you turn 60, if the market's in it down and you wanna sell out all of it, that's when you're gonna lose. But if when you turn 60, the market's in and up, then happy days. Yeah. Obviously, it's just again, what is your goal when it comes to retirement? And that's probably the the the easiest way I can solve this is what do Yeah. you actually wanna do when you hit retirement? Well, nothing. Relax. Holiday. What everybody wants to do, Yep. live comfortably. Yeah. What age is retirement? Is retirement 60, or is retirement 65, 62? Well, I do plan on taking a year unpaid leave and doing some travel, so that will affect it. Yeah. But, yes, the the plan is probably 65. Okay. So when's 15 the years. when's the unpaid leave planned for? Well, it was gonna be August this year, but it's now changed probably August next year. Okay. And how are we, I guess, funding that? We are going to rent out our house and live cheap Yep. and just probably work a bit along the way.","start_word":62,"end_word":1127,"sentiment":"neutral","sentiment_score":-0.00802916675232924},{"text":"Perfect. So, basically, the rental income from the house will create income for you guys, like, to to Yeah. live Pretty on. much.","start_word":1128,"end_word":1150,"sentiment":"positive","sentiment_score":0.4034847021102905},{"text":"And it'll, you know, keep our asset fixed whether I sell my car or not.","start_word":1151,"end_word":1165,"sentiment":"neutral","sentiment_score":0.312814325094223},{"text":"But, yeah, I think we should be able to live off the income from the property. Yeah. Amazing.","start_word":1166,"end_word":1183,"sentiment":"positive","sentiment_score":0.42164942622184753},{"text":"Do you know, like, what do you know what your property is valued at at the moment? 1.4.","start_word":1184,"end_word":1201,"sentiment":"neutral","sentiment_score":0.17601531744003296},{"text":"So Perfect.","start_word":1202,"end_word":1203,"sentiment":"positive","sentiment_score":0.3595188856124878},{"text":"I think the rental income would be maybe 700 a week. We could get more according because it's a three bedroom townhouse across the road from the beach in you know, people are renting out there for a thousand dollars a week, but they're more Airbnbs. I think the house next door to us rents out it's a bigger house. It's got five bedrooms. We've only got three. But it rents out for $1,300 a night, and they just rented out in holiday periods. Whereas we would probably be looking at a long Yep. term Long term tenant lease. for twelve months, Yeah. so we don't really have to worry about dealing with that while we're away. So, And yeah, it's the I uncertainty think of income when you do short term leases yeah. like that. Yeah.","start_word":1204,"end_word":1340,"sentiment":"neutral","sentiment_score":0.22580616176128387},{"text":"And at this stage, it could be rented out to our children, so we kinda wanna help them as well.","start_word":1341,"end_word":1360,"sentiment":"positive","sentiment_score":0.3978232741355896},{"text":"So we wanna Yeah.","start_word":1361,"end_word":1364,"sentiment":"neutral","sentiment_score":0.16284528374671936},{"text":"have enough to live on as well as so, yeah, that should pay the bills and give us, you know, $500 a week to live on. And then we've got a little bit in savings as well.","start_word":1365,"end_word":1401,"sentiment":"positive","sentiment_score":0.44410550594329834},{"text":"So and then probably pick up work along the way.","start_word":1402,"end_word":1411,"sentiment":"neutral","sentiment_score":0.23323409259319303},{"text":"So Absolutely. I mean, it it'll be living cheaply and living yeah.","start_word":1412,"end_word":1423,"sentiment":"positive","sentiment_score":0.560729444026947},{"text":"But it's it's not going to be any lavish. But we live in our car like, we'll live in our car. We have a a decked out van, so we don't need much income. We don't think No. maybe That's maybe fair we need enough. more than we think, but, you know, there's always work. So, Yeah. So house house is worth it at 1.2 ish, and we don't have a debt on it at all, do we? Yep. No. My husband my partner, he owns it. So there's no mortgage on Perfect.","start_word":1424,"end_word":1516,"sentiment":"neutral","sentiment_score":0.123120978474617},{"text":"it. Amazing. So we set ourselves up nicely there with no mortgage, so no overheads.","start_word":1517,"end_word":1531,"sentiment":"positive","sentiment_score":0.44616174697875977},{"text":"And then your car, last day, I had recorded we had a little bit of a a debt on the car. Yeah. I think Have there's, we paid? like, 10,000 left on it. Yep. Maybe a bit less So we've now.","start_word":1532,"end_word":1572,"sentiment":"neutral","sentiment_score":0.04700795188546181},{"text":"got got that paid down pretty well.","start_word":1573,"end_word":1579,"sentiment":"positive","sentiment_score":0.3851698040962219},{"text":"And then other than that, it's just, I guess, like, making sure that we have our living expenses. Do you know Yeah. what, like, your expenditure per week would be when you're on the road? Probably I'm probably a thousand dollars a month. So between us, it's probably 2,000 a month. Yep. Alright. And then, obviously, when you're on the road, you sort of said that you'd be kinda living on about $500 a a week, which is still Yep. that 2,000 a month, but, basically Correct. That's where we kinda got that figure from thinking, okay. Well, if we yeah. rent it out for 7 $6. 60 or 700, that'll give us enough to cover the bills of the house and give us $500 a week to spend. And that's that's putting a little bit more into bills, like, for emergencies, Yeah. etcetera. And Yeah. I Because think we can live realistically, off that. bills wise, you'd only have, Just like, the rates rights and insurance and stuff insurance like that. Yeah. and then, like, Yeah. the council Water. connection fees for water. Correct. Yeah. And Yeah. the rest, the tenants would pay Yeah. Yeah. They all consumables electricity and go all to them. that sort of stuff. Yep. And your your Internet and everything else drops off. So that's Yeah.","start_word":1580,"end_word":1800,"sentiment":"neutral","sentiment_score":0.03402310095693731},{"text":"nice.","start_word":1801,"end_word":1801,"sentiment":"positive","sentiment_score":0.34593021869659424},{"text":"Yeah. This becomes a very large phone bill. Yeah. We'll probably have Starlink, but that's minimal. Yeah. Not too expensive. Okay.","start_word":1802,"end_word":1822,"sentiment":"neutral","sentiment_score":0.004321185406297445},{"text":"That's good.","start_word":1823,"end_word":1824,"sentiment":"positive","sentiment_score":0.4251139760017395},{"text":"And then we're sort of looking at age 65 retirement after twelve months off. So twelve months, it'll be time. Mhmm. And where like, have you have we talked to work about, like, our job still gonna be, like, Yes. there It when will. we I'm come back? I'm yeah. I can take twelve months unpaid leave and come back to my position.","start_word":1825,"end_word":1887,"sentiment":"neutral","sentiment_score":0.04471949115395546},{"text":"Perfect. That's good.","start_word":1888,"end_word":1890,"sentiment":"positive","sentiment_score":0.443297266960144},{"text":"Yeah. Yep. I have spoken to them. Good. Because previously, you you were doing sort two occupations. You had the digital marketing officer and then the balance RSL. Yes. Are we No. still Not doing working both? at the RSL anymore. No. No. Got a bit much. Yeah. Fair. Absolutely Yeah. fair. I didn't love it. It was fun at the time initially, but, yeah, I just it got too tiring late nights and then Yeah. yeah. Early morning. Yep. For not, yeah, for not the income you want because there's so much tax on it. So Yes. Yeah. On the second job. Absolutely. Do you know what your gross income is with your with your job? 92. Perfect. Alright. And your, like, your your EBA or in great agreement is just the standard super contributions for my record? There's no additional. Well, I'm with council under government, so I think that we do pay a little bit more in super. They give a little bit more to super. Yeah.","start_word":1891,"end_word":2060,"sentiment":"neutral","sentiment_score":0.003997225971782909},{"text":"Perfect.","start_word":2061,"end_word":2061,"sentiment":"positive","sentiment_score":0.5076427459716797},{"text":"It's I just don't know new like, obviously, what the New South Wales. is it what is the standard now? I think we pay 12 and a half percent Yes. The standard contribution. 12. Governments are usually 12 and a half to 12.75. Yeah. I think I'm 12 Some and government a half. Yeah. yeah. Some governments do 14 to 15, but and on the branch and the EBA that is attached. Always a pain to kind of figure out, but they generally have pretty good documentation of contracts. They're easy enough to look up. Yeah. Cool. So 12 and a half percent.","start_word":2062,"end_word":2164,"sentiment":"neutral","sentiment_score":0.05769162252545357},{"text":"Fantastic.","start_word":2165,"end_word":2165,"sentiment":"positive","sentiment_score":0.5896948575973511},{"text":"And then I guess outside of that, we've got the car credit card, the ZipPay account, or Afterpay account in terms of, like, loans or debts. Yeah. Nine. Well, no. I think there's, like I don't know. I think I might have one of those Zip Pays or something, which I probably owe to one. But this kinda sits there and ticks along in the background. Yeah. From I guess, from a from a lending point of view, any of those accounts that are open are a line of credit Yeah. even if they extend it zero. So, like, your credit card is a line of credit even if it's it has nothing owing on it. Yeah. Yeah. So, like, I have plenty of clients that live on their credit card. So, you know, they they'll have sort of, like, a 2 or $3 credit limit. They'll live on their credit card through the month, get paid, and then and everything like that. Yeah. But when when any lender looks at it, they'll they they see it as a line of credit. So now how are we tripping around? Are we camper van, Yeah. Yeah. caravan? We've got a we've got a HiAce. Oh, yep. Yep. Yep. Yep.","start_word":2166,"end_word":2373,"sentiment":"neutral","sentiment_score":0.04204035410657525},{"text":"Perfect.","start_word":2374,"end_word":2374,"sentiment":"positive","sentiment_score":0.49709612131118774},{"text":"Yeah. So camper van, I guess you call that. Yeah. And that's your, like, yours and your partner's? Yes.","start_word":2375,"end_word":2393,"sentiment":"neutral","sentiment_score":0.0976591408252716},{"text":"Beautiful.","start_word":2394,"end_word":2394,"sentiment":"positive","sentiment_score":0.4693153202533722},{"text":"And we're all set up ready to go for for twelve Close. months, which We're dying. Close Not quite. to set It up. still needs some a few little old k o amendments to it, but we own Yep. it outright. So we just plug along, and we have spare cash. We do stuff to it, but Yep. No. Beautiful. it Yeah. works How well long have now you for weekends or a week, but I don't know if I could leave it a year the way it is. But we're tweaking it slowly as we need to. no. That's fair. How long have you and your partner been together Scott? Five years. Right?","start_word":2395,"end_word":2508,"sentiment":"neutral","sentiment_score":0.03809776529669762},{"text":"Beautiful. Amazing. Well, honestly, a year away across the country, that was definitely fantastic at all.","start_word":2509,"end_word":2524,"sentiment":"positive","sentiment_score":0.3846533596515655},{"text":"Yep. Yeah. No. Someone's just in the I'm standing outside out of the wind, and someone's just rubbing their car beside me as you do. I actually can't even hear it. Oh, can't you? Okay. I thought you No. said that you could hear that. No. No. I actually can't hear it at all. Do you know what the motor home's worth or the highest? Okay. What it's worth Yeah. Well, if we sold it tomorrow, we'd probably get 30 for it. Maybe 35. Perfect. Alright. So I guess on everything, I guess, the way it stands, what I will do is I can go ahead and I can based on what you're wanting to do with with the with your super fund, when you're aiming to access it, like, access the funds, is Mhmm. I can go and do some modeling based on income and and contribution, including Mhmm. the twelve month, I guess, Yep. holiday. And that'll give us an indication as to we hit a 65, what is our drawdown looking like based on the assets that we own now? What is our income looking like overall and where everything fits. I guess the only Mhmm. piece of information I'm probably missing is if there's any anything that Scott owns that would affect you because as a partnership, one person affects the other. So is there sort of any secret investment holdings or No. cash pool or Not that I'm aware of. electric? Not that I'm aware of. No. It's okay. I'm assuming he has a car as well, so I'll I'll just assume that that's He sort actually of drives similar ish around the HiAce. value. Oh, cool. So, yeah, that's his daily car, unfortunately, but he doesn't go far. That's okay. Cool. So it's it's basically just the the PPR, like, the the home, principal place Yep. of residence, the two vehicles, Yep. like, home and contents, Yeah. your super fund. And do you know roughly Look. I don't know, but I know it's good. He's been a teacher for thirty six years. I know he drew down on it to pay the mortgage out because he got unwell, And then he retired from teaching, and now he just works in a bottle shop. He's a bit older than me, though. He's already 65. Yep. And so I'm gonna say maybe 200,000, but I don't actually know. No. That's It okay. could be more. It could be less. But Alright. I know It he gives took me two a 100 ballpark. out of it. Alright.","start_word":2525,"end_word":2954,"sentiment":"neutral","sentiment_score":-0.014329987089149654},{"text":"Cool. Good to know.","start_word":2955,"end_word":2958,"sentiment":"positive","sentiment_score":0.3929860591888428},{"text":"Alright. Well, what I will do is I will model everything out, have a look at where everything fits, and then sort of give an indication as to where everything's sitting with regards to income long term and and go from there with Okay. everything.","start_word":2959,"end_word":3003,"sentiment":"neutral","sentiment_score":0.15576308965682983},{"text":"Brilliant. And then Sounds good. we can kinda convene and have a chat again in two weeks. Sounds good. Alright. Perfect. Okay. I Thanks will get everything so much. put together and speak to you then. Okay. Great. Thank you so much. No problem. Thanks for Okay. the call.","start_word":3004,"end_word":3052,"sentiment":"positive","sentiment_score":0.5306382422544518},{"text":"No worries. Bye. Bye.","start_word":3053,"end_word":3056,"sentiment":"neutral","sentiment_score":0.21993687748908997}],"average":{"sentiment":"neutral","sentiment_score":0.05681960153733318}}}}