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So I thought I'd try yours, Laura. We we do seem to be communication curse at the moment, which was always the way. Do you both have a little bit of time this morning, or will I just go through with Blake today? What would be the preference? Perfect. Perfect. And I do apologize this morning. I made sure I sent the invite out to Teams last night and for some reason disappeared in the last half an hour. I've sent through that statement of advice, Laura. It already said that you've signed it so far. Do you have the document open in front of you? Perfect. And how are you going over there, Blake? Fantastic. It's actually been a really good week, and I was really looking forward to chatting to you guys today. But, yeah, it's been a fantastic week. While you guys are grabbing that document up, I did wanna just quickly ask you as well. With the timing of the sale of the property and everything, is May. Do you think a good time for us to catch up in May? Do you think you'll have all of the proceeds by then being moved in? Or Yeah. That'll be good because I wanna make sure that we've got enough time to do anything contribution wise before the end of financial year because sometimes June can be a little bit of a rush. And if we need to go through again, like, what to do with the funds, whether it's investments and movements around and things like that, would you would your preference be to kind of pop into, like, the office for that or just a Teams call, phone? What would kind of work for you guys? Yeah. Yeah. Especially the the visual side of it is gonna be really important, especially given all the moving parts. I'd rather even just bring up the old whiteboard and kind of map it out for you guys a little bit. Cool. The nice and easy one this morning. So, again, we were just holding off on doing anything contribution wise until that's all finalized. So this is purely yeah. Gotcha. Gotcha. Gotcha. Okay. Cool. So I'll work that in a little bit too over the next sort of month or so. I might just walk through this document today because this is just a portfolio update, and then we'll kind of book in for that next catch up. Cool. Cool. Most of this, if you have a little bit of scroll through the document, you guys have been through SOAs before, so I won't bore you with some of the the basic details. Can you pop through to page three zero four for me where it's got the scope of advice listed? Cool. So this is just capturing, again, overarching retirement goals, that early retirement around 60, the review of the superannuation, someone, which is what we're really focusing on today. And there was just a couple of reminders in there just to make sure all the wills and power of attorney and things, estate planning wise, are up to date because your beneficiaries are all accurate, if that makes sense. Cool. Yeah. And it's one of those things too where there's always three options for basic setups. You can do a $25 will kit from the post office. There's obviously lawyers, of course, but you've also got the public trustee of the state can also do appointments, you know, kind of like the courthouse. They can do appointments for the same thing. As far as what we're not doing at the moment, so with the insurances, we're basically just talking about holding off on that for the time being. So once you've got the finalized sort of build in Paradise Pointe, we'll know a bit more about the final debt. I know, Blake, you said it's gonna be around $8.50 to 900,000. Is that right? No. You're right. It is the end of the week. It'll come back to you. Stamp duty. Yep. Yep. And I've put in a few things in this document just about paying the parents back for that deposit assistance and things like that. So you're looking at clearing maybe $8.80 approximately. Would would you say that's before or after stamp duty? Before. Yep. Cool. I've put in some of the cash flow and debt management goals because, obviously, this document just deals with updating your super portfolio. But, again, I've just noted down that that's all being finalized very soon. We'll talk about future investments, contributions, what to do with properties in cash, and so on, both in terms of lump sums and cash flow in our next catch up. Beautiful. The situation for your current finances can you flick through to page seven or eight for me? I did a little bit of a jiggle around with the figures just to add in some additional context, and just wanna make sure you guys are happy with what I've written. So in your about you section, there's a table there. Like, I've put you down at around about 200,000 for the income at the moment because I know based on everything that you've just last time, which you're basically like, I'm going over 200. It'll probably end up being $2.40. And at some point with all the OT that's coming up, you could even surge well above that to the $300,000 mark. Does that sound right from what you were saying? Yep. So I'm going a bit more conservative, just keeping it at 200 at the moment. And then once we get a bit more handle on what that OT looks like, I'll just update it. K. And, Laura, for yours, actually, I've worked back your contributions from work, and it's been pretty consistent the last twelve months. So it kinda looks like you're on around about $7,071,000. Does that sound right to you? Perfect. Alright. So there's a bit of context down there below for both of you guys and how I arrived at those figures. And then if you go to your lifestyle assets and liabilities on the next page, I've just put in there the investment property in Sydney, which the the debt was remaining on that was a mil 60, and I think the purchase price you guys settled on was 2 mil 50. Is that right? Yep. Perfect. And I've just put the duplex in as pending because I don't wanna attribute that as an asset if it's not kind of built finalized and the loan's not there just yet. But as soon as we get that, I'll update the system as well. Perfect. If you go through the next section, so we've got the two Hub 24 Supers. We've got the MetLife policy. We've got the Encompass policy there on pages eight, nine, and 10. And if you go through to page 11, we just got your high growth risk profile at the moment. Cool. The strategy on page thirteen and fourteen, that's probably the main text heavy area I just wanted to run by you guys before you decide. Just let me know when you can see that. It should say this one's for Blake specifically, and I've kind of copied the same thing for both of you guys. So what we're doing at the moment, I took into account I don't know if you remember last year when we were speaking, you were wanting to kind of avoid, like, battery tech, lithium, that type of area given everything that was going on in your industry. Does that ring a bit of light? Yeah. It's one of those ones where those sectors, there'll be some growth long term anyways. It's getting away from that space and going a little bit more into your industry, which is kind of what I've done, is going a bit more traditional, bigger companies that are that are investing in your space, especially domestically as well. It's gonna have a pretty similar outcome. Like, some of those sectors, they're gonna be quite different over a single year where one may jump up 30%, the other 15, and then vice versa the year afterwards. But I do see it averaging out pretty similar over a five year period. And if it's one of those things where we go through and there's some news updates and some industry updates where you go, actually, there's a really big movement in one space or the other, I can kind of jiggle it back in. That's no trouble at all. A little bit. Yeah. And I haven't gone through to recommend our SMA just yet for that new structure, but I've just updated some of the options in the portfolio. The main one for you guys, the real reason for this, is I wanted to remove that Benelon option, which was kind of underperforming in Australia. That's kind of the main anchor. Performance has been good overall, but I just wanted to make sure that was fixed up and just going a bit more traditional with it. K? It's kind of been negative for the year. So with most of your options going up twenty, thirty, 60%, that one's down 19, and the Aussie market's been kind of flat for the year. So it's kind of just shot off in a downward direction away from the pack. Yeah. So one of the cool things Yeah. Exactly. Right. And that's kind of what I'm expecting for this year given sort of what's going on geopolitically. What I'm kind of expecting at the moment and why I've chosen these options is once that volatility settles down, this is gonna give you the most consistent sort of guaranteed return on the way out rather than trying to pick the winners and losers this year given how uncertain it is. So what we're basically doing is it's gonna be up and down quite a lot. One of the tricks that I've done is because because Hub 24 is a wrap platform, I won't go too technical with it, but we've got full control over capital gains tax under the hood as opposed to a usual super fund. So when we sell something, we can buy something else and kind of offset the capital gains. So why I wanted to make these changes now is because if Ben Long's down and we sell out of that one, that offsets almost all the gains for all the other options I wanna rebalance. So chops out, like, 80% of the capital gains tax for your super. Cool. So it's just a bit of a accounting trick. Yeah. Yep. So, again, we're just trying to improve the position over five to ten years. Retirement's a while away. The options we've picked, we've got lower investment fees, better track record, and more consistent through different scenarios. Again, there's so much uncertainty. I didn't wanna go crazy with it. But, again, because you're super, so large, even with offsetting most of the capital gains, it's still gonna pay about 1,600 in tax from all the gains from, like, your gold fund and all this kind of thing as well. Yep. And one of the main things too, this might seem counterintuitive, but you know how gold's been doing fantastic the last twelve months. It's kind of overshot so high that it's become a huge portion of your overall portfolio. So because of wanting to switch some of the options, selling the Benelong, trimming some off the gold, and putting it into the ones I wanted to get in, It's the timing to do that now, but all your contributions, they're still gonna be buying into it consistently. So I'm not reducing it or removing it or getting away from it. I'm just doing a bit of an accounting trick. Yeah. Exactly right. And this type of rebalance, we call it, is basically just buying low to sell high and doing both at the same time. So you trim some of the profit off to buy the dips, switch into what you want, and then it's just gonna be that consistent buy in from all your contributions. Yeah. Everyone's kind of jumping and almost hopping between different metals, and they're all kind of doing a similar pattern at the same time. Yep. Perfect. On page sort of sixteen, seventeen, it just revisits, like, the asset allocation just showing you that we're going a little bit further away from the Aussie market, a little bit heavier into the international market, still keeping the gold there, and a little bit of defensive just to keep you guys within that high growth profile. Not going too risky with it, just keeping it consistent. Cool. The performance at the bottom there, the five year rolling average, going backwards, you're averaging in the current options about 12%. We're bumping up to around thirteen, fourteen. And, again, past performance isn't gonna tell us what's gonna happen going forward, but the options I've picked, they're the most consistent when the market does go up in all sectors. K. There was some alternatives in here that I've considered where I wanted to switch Ben along out for another active fund, but the active funds, it's already outperformed the market going back five years. They don't normally do it for ten years straight, if that makes sense. So it tends to come in like these these phases and waves where the active funds have done fantastic for five years. If I put you in that now and it underperforms the market, it's gonna lag you like the Benelong was doing. Not to the same degree. It's fantastic options we've got in the back pocket, but, basically, I'm seeing that kind of passive index space doing the most consistent returns. And once there's some options to swing into some of these other options, I'll revisit that in about two years' time. Cool. And that's pretty much the main thing. I've just got in here performance figures, fee differences, and so on. We factored in all the capital gains tax and just wanna check if you guys are are sort of happy with what we've come up with. Yep. The last thing I want to mention on the super portfolio is we've kind of pulled out that small allocation to property and gone more metals and stocks. Now you know how in Australia, property is kind of king? That's not really the case when it comes to the ETFs and the managed funds is they don't seem to keep up with the usual residential market. So if you own 10 properties, not the China one, it is VanEck. VanEck. VanEck, whatever you wanna pronounce it, Australian property, MVA. And what I find there is if you had 10 properties, especially residential ones, the the consistent growth in Australia for centuries has been incredible. But this market tracker, it seems to spread out so thin across the country that it doesn't really hit the same figures. K? So it's not that I we don't like property and as an asset class, but just the options that we can put you in are kind of limited, and they just they don't seem to ever perform as well as what everyone experiences in their day to day. Yeah. Yeah. It was the same thing with infrastructure. Like, we had some years there where for some reason, the listed market was just tanking, but the valuation, all these office buildings, airports, energy factories was just going through the roof, but the the market was just tanking because people were selling out of it and just buying them unlisted privately. K? So if I do ever find an option where it does track it pretty well, probably swing it back in, but it's at the moment, it's just kinda lagging behind when it shouldn't be. Yeah. Have you got any thoughts on which way it might go? Or yeah. Yeah. Yeah. Yeah. Yeah. It's been a really weird kind of ride because I've been so heavily watching this since about 2012 or even o nine when I was coming out of high school watching the GFC. And when COVID hit people popping states, we had Victoria, New South Wales going to Queensland, which kept us flat because the influx of people selling a million dollar unit to go into a $600,000 house. And the moment it became unaffordable with interest rates skyrocketing and all this kind of thing, then they opened the floodgates to all the foreign investment to come in and pick it up, and that kept it going again. What I tend to see happen if you go historical is there's always some sort of legislation or government policy that just hits a trigger point that causes a complete swing. And that's the only thing that happens is the market does its thing over time. It bounces out, and then someone changes the law, and all of a sudden, there's a panic. And even if it's just gonna even out in the long term, the panic's usually what causes crashes. And then you've got the unaffordability for all the first time buyers who bought a huge amount of debt the last couple of years, and everyone was trying to get into their first home and they got it, but it's barely affordable. They're probably looking at selling too and then the investors. So it's it's all these things compounding. It's just really hard to time, though. So at the moment, just with uncertainty, I would kind of again, I'm I'm really glad that you guys have actually sold the property in Sydney because with the uncertainty, it's better just to kind of watch it for a little while and see how it's starting to play out and then take some opportunities after that. Yeah. Exactly. Right. And, Laurel, that's one of the things I wanted to ask you today as well is because we're kind of gearing up for a few of these ideas, and I wanted to just get your thoughts to make sure you both are on the same page, which is you both kind of seem like you you wanna avoid getting direct investment properties going forward, more so pay off the debts that you've got, have some financial security, maybe do a bit of investing that's a bit more traditional. How have you been finding all of this the last six months and and your thoughts going forward? Yep. Yeah. Yep. And especially given the surge that you're expecting for Blake's income, it would be nice to, again, use that to even just build up something in an offset account. So it's like you've paid off the property, but you still got access to it. So that gives you flexibility as well. Yeah. Exactly right. And one of the things I wanted to just kind of plant in your minds to talk about over the next three months, twelve months, is there's kind of two real big ways to get ahead financially. Right? There's the loan route where people have some equity. They borrow and get an investment property, and they just start borrowing on borrowing on borrowing and accumulating lots of assets, whether it's property, commercial, shares, whatever it is. It's like a investment debt gain. The flip side to that is it's actually okay if you find personally it suits you guys better to just have the house paid off and invest in some traditional portfolios that are, like, on a screen, on a platform. You can pick and choose the options like your super, and it would just kind of grow nice and consistently. And you don't have to worry about managing the people side of things or property managers or lawyers because it's all just through fund managers off in the world, and you get to pick what you invest in. Yeah. Yeah. Yeah. And that's that's the thing is there's two real options within that other option, like a sub options here, is let's say you just pump all the cash in, smash out the mortgage, and build up some investments on the side. You're obviously expecting your investment to get a higher return as a percentage than what the loan is. If the loan's 6%, you wanna be aiming eight, nine, 10, or above. K? So your wealth's gonna naturally grow quicker than the mortgage, and you could potentially swing it in there, pay it off, whatever it is. The flip side is you can essentially smash all of your cash into the mortgage and then borrow off of that a small amount. So you know when you get an investment property and you get this little deposit, $50, and you buy something that's 800,000, and you've got this $750,000 loan. Like, you've leveraged up so much on $50. The flip side is you take $50 of equity from the house, and you put that into $50 worth of investments. And it's a kind of one to one leverage, not like eight times. Did you put it back? Or 16 times. So that's a way to get good debt and accelerate paying off the mortgage and growing wealth quicker without stacking on loads of loans that you're gonna take a decade or two to pay off and also avoid the headache of the property side of things. So it's a little bit of like debt recycling. Yeah. Yep. Exactly right. And that's something similar that I I kind of do personally as well is I use the first couple of properties to start getting that that equity to do into that type of strategy, but I'm never interested in getting a dozen properties to try and manage or even. Yeah. Something with an on-site manager that's, like, consistently managed. Yeah. Yeah. Yep. So that's one of the things too is if we have to have considerations for helping the kids out over time as well, because I don't wanna lock you into a path where you guys have to dedicate the next ten, twenty years to something for yourselves without having any flexibility to assist them either. So one of the things that what I'm kind of envisioning, and we'll confirm it when we speak because, obviously, we have to rediscuss the options, is the world's crazy for this year. It's it's almost a write off. Yeah. Exactly. So by the time you guys move into the property and settle into things, we're gonna be looking at, like, the you know, a little bit of contributions in the super, and we're talking second half of the year. It's only six months. What I would do is rather than going full ham into a debt recycling strategy and go through all the advanced things, is let's just do a dip the toe in the water, maybe set you up with this little account where we put a small amount in and a small consistent amount to invest and see how it plays out through the markets compared to your super but with a different portfolio. So instead of going high growth with it and high risk, we'll do something a little bit more middle and see how that goes, see how it behaves, and then we can revisit it at the end of the year and say, okay. You've got your policy anniversary for your insurances. We'll chat about them. We'll see how your super compared to your investment and decide whether you wanna go a little bit more faster on the gas or slow it down, whatever it is. By then, we'll have a bit more of an idea about what's happening in the world and where the opportunities are. Then in the year after, we can decide whether we're gonna okay. You've put all this cash into this property. Now we'll use some of it to do maybe some debt recycling. So just take it in two steps. Yep. So just to give you an indication, the accounts that you use, there's some very basic ones, and there's some of your advanced ones like your hub 20 fours. There's minimums. So generally speaking, you might want $10 as a minimum or something like that because you've got to keep a couple of grand in cash and you wanted to actually do something. So these types of figures we'll talk about in our next catch up as well. And then just get an account open, make sure the contributions are optimized, make sure you've got a plan for the property, and what you're gonna do with your cash flow, because, obviously, you need to settle into your cash flow and your budget. And then we'll let that go for six months, revisit it after that. Cool. Yes. I did, actually. I do apologize. I've flicked that over to, Sevi, and we were having a chat about it this week. And, he's fallen ill at the moment. He's got gastro. So yeah. So I am intending to pretty much catch up with him, like, Monday, Tuesday, and then flick it back a bit of an email. I do apologize for that. Okay. Yeah. Yeah. Absolutely. And one of the things that I'm just careful with is there's a lot of bias in the industry, and I can talk to half the industry who say no better leases are the best thing, and the other half goes stay away from them in all cases. And there is a bit of truth in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision. Yeah. Yeah. Absolutely. So I'll try and get you some information on that next week, hopefully. And, again, if it's a quarter two thing, we'll we'll have it more of a catch when you come in as well. Yeah. And it's one of those ones where I what savvy normally does in these cases is because they're all different agreements is we do a bit of a calculation, almost like a little bit of a paper based projection, if you will. And we'll just kinda see what that looks like, short term, long term, pros and cons, and give you some ideas. Cool. Cool. Do you guys have any questions on the statement of advice that I've sent you for this morning just before I let you go? Yep. Yep. And there's one thing that just a bit of a, like, gentle reminder is because we use the fanciest platforms you can find, it makes things a little bit more complex because you've got more control over it. Any other traditional superfund, it that doesn't even enter the conversation because it's not even an option. Yeah. Yep. Yeah. Exactly right. And, look, to be honest, you guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy. But if you ever have questions or concerns or anything like that, like, it does take years to get into it, and we'll just chip away at it. And before you know it, you'll be telling your kids one day all these things yourself, and they will be much better off for Yeah. Yeah. And it's a good time to do it too given ages and so on. I think you guys are setting yourselves up very well for both you guys and the kids as well. They'll be very appreciative of it, I'm assuming. I'm hoping. But even not, they'll benefit from it. Cool. Are there any other updates you guys can think of? Any any changes on the way except for the the work and property side of things? You're thinking salary packaging? Uh-huh. Yep. Yeah. Cool. I mean, anything anywhere where you can use pretax dollars is a good setup because, obviously, using gross income before it gets taxed and then getting taxed on the rest is fantastic. It's like your super contributions, which is good. And the question always becomes, because there's so many different things that you can do that for depending on the employer, are you actually gonna get the benefit out of it and actually use it? Because everyone looks for, like, tax deductions, but then you go, okay. Am I actually utilizing it, or am I just paying extra for something? Yeah. Yeah. Cool. I mean, flick through the the Qantas club stuff, and I'll have a look at that. And then in the same email, I'll kind of respond to that in the novett at least. Yeah. Yep. Yep. Yep. Cool. Yeah. I'll just drop the email. Yeah. Absolutely. Again, with this sort of thing, it looks like it's a yearly payment. So, again, just factor in things like lump sums and not having those dollars for the year. Yes. Pretax. That's good. Salary sacrifice, ma'am. Yeah. I'll have a little look and and let you guys know. That's pretty fun. Awesome. Awesome. Anything else I can help you guys with? Yeah. Yeah. Yeah. Okay. Yeah. Absolutely. It's one of the things too. Anytime you earn, you get taxed, so that's because you've you've grown something, and that's always a positive. Okay. Alright. That's interesting. I'll have a little look at the old KuDOS account too. Alright. So we've got the the Conners Club, the Nevada lease. You've got the funds going into the Qudos account just to get a bit of interest out of that. Perfect. Perfect. That'll be my favorite thing is to set you up a nice little pension account and then send you guys on your way. And then our conversations will chat between not what to invest in. It'll be like, you guys are pulling too much money out because you're having too much fun. You're allowed to have four holidays this year, not seven. And then you guys will have to plan those out, and then, you know, you pull out $30 for this, $40 for that, and it's it's all fun after that. Unless maybe this Qantas Club discounts on the business club. We'll have to see, but I'll have a look. For that catch up, guys, I have some leave kind of coming up in June, which is horrible timing, especially in a financial year. I've got a third baby on the way. I've got a daughter coming in June. Thanks. So I wanna make sure you guys are well well and truly sorted before then. Do you wanna do a catch up in April? That way, I can do a plan for you guys in May, and then it's all good for when I go. That would be fantastic. If you're gonna have all that lined up beforehand, that gives us a bit more value out of that conversation. Yeah. Any type of statements, details, documents you can bring in for a face to face is always better. That way, I don't have to kinda go, okay. Oh, we don't have this. We'll have to search for emails or come back to you later. Yep. And I'm just kind of tagging a few things for advice wise for that discussion to talk about contributions, investment, budgeting, debt, and so on. Yeah. Absolutely. I'd be to see kind of how you guys have been rolling on the last couple of years and what your your your style of budgeting is. And if I can see anything that can help, I'll let you know. Absolutely. Cool. Cool. And I will just briefly, in the next catch up, just touch on the insurances just to make sure we don't have to jiggle anything around once it's all finalized. Yep. Easy done. Do you guys want me to book in a day in April now while I've got you, or you want me to get the team? Cool. Alright. So we've got a few weeks still left of the month. That should be plenty of time. For a face to face, what would be your preferred sort of days and times? Yep. Cool. Yeah. I'll try and do I think seventeenth would be good. That way, if there's any trouble, we can always reschedule it for a week ahead, and that still gives us a bit of a buffer for May to to get anything done as well. Should we do morning, like, nine or ten in the morning? Or Perfect. Bit of a morning date drop off and then into the finances for Friday. Alright. So I'll do face to face catch up. We'll do 10AM on Friday, April 17. Awesome. And I'll let Sevi know that you guys are popping in so you can say hello as well if he's in on the Friday, see if the big man's there. And, yeah, look forward to catching up with you guys. Cool. You too. And just keep an eye out for an email next week for those lease and Qantas questions. Awesome, guys. Have a great weekend. I'll talk to you soon. Thank you. 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guys. It's Tommy from Oakview. How are you doing? Good. Thank you.\n\nHappy Friday. I was just trying to call Blake's mobile, but it was engaged for some reason. So I thought I'd try yours, Laura. We we do seem to be communication curse at the moment, which was always the way. Do you both have a little bit of time this morning, or will I just go through with Blake today?\n\nWhat would be the preference? Perfect. Perfect. And I do apologize this morning. I made sure I sent the invite out to Teams last night and for some reason disappeared in the last half an hour.\n\nI've sent through that statement of advice, Laura. It already said that you've signed it so far. Do you have the document open in front of you? Perfect. And how are you going over there, Blake?\n\nFantastic. It's actually been a really good week, and I was really looking forward to chatting to you guys today. But, yeah, it's been a fantastic week. While you guys are grabbing that document up, I did wanna just quickly ask you as well. With the timing of the sale of the property and everything, is May.\n\nDo you think a good time for us to catch up in May? Do you think you'll have all of the proceeds by then being moved in? Or Yeah. That'll be good because I wanna make sure that we've got enough time to do anything contribution wise before the end of financial year because sometimes June can be a little bit of a rush. And if we need to go through again, like, what to do with the funds, whether it's investments and movements around and things like that, would you would your preference be to kind of pop into, like, the office for that or just a Teams call, phone?\n\nWhat would kind of work for you guys? Yeah. Yeah. Especially the the visual side of it is gonna be really important, especially given all the moving parts. I'd rather even just bring up the old whiteboard and kind of map it out for you guys a little bit.\n\nCool. The nice and easy one this morning. So, again, we were just holding off on doing anything contribution wise until that's all finalized. So this is purely yeah. Gotcha.\n\nGotcha. Gotcha. Okay. Cool. So I'll work that in a little bit too over the next sort of month or so.\n\nI might just walk through this document today because this is just a portfolio update, and then we'll kind of book in for that next catch up. Cool. Cool. Most of this, if you have a little bit of scroll through the document, you guys have been through SOAs before, so I won't bore you with some of the the basic details. Can you pop through to page three zero four for me where it's got the scope of advice listed?\n\nCool. So this is just capturing, again, overarching retirement goals, that early retirement around 60, the review of the superannuation, someone, which is what we're really focusing on today. And there was just a couple of reminders in there just to make sure all the wills and power of attorney and things, estate planning wise, are up to date because your beneficiaries are all accurate, if that makes sense. Cool. Yeah.\n\nAnd it's one of those things too where there's always three options for basic setups. You can do a $25 will kit from the post office. There's obviously lawyers, of course, but you've also got the public trustee of the state can also do appointments, you know, kind of like the courthouse. They can do appointments for the same thing. As far as what we're not doing at the moment, so with the insurances, we're basically just talking about holding off on that for the time being.\n\nSo once you've got the finalized sort of build in Paradise Pointe, we'll know a bit more about the final debt. I know, Blake, you said it's gonna be around $8.50 to 900,000. Is that right? No. You're right.\n\nIt is the end of the week. It'll come back to you. Stamp duty. Yep. Yep.\n\nAnd I've put in a few things in this document just about paying the parents back for that deposit assistance and things like that. So you're looking at clearing maybe $8.80 approximately. Would would you say that's before or after stamp duty? Before. Yep.\n\nCool. I've put in some of the cash flow and debt management goals because, obviously, this document just deals with updating your super portfolio. But, again, I've just noted down that that's all being finalized very soon. We'll talk about future investments, contributions, what to do with properties in cash, and so on, both in terms of lump sums and cash flow in our next catch up. Beautiful.\n\nThe situation for your current finances can you flick through to page seven or eight for me? I did a little bit of a jiggle around with the figures just to add in some additional context, and just wanna make sure you guys are happy with what I've written. So in your about you section, there's a table there. Like, I've put you down at around about 200,000 for the income at the moment because I know based on everything that you've just last time, which you're basically like, I'm going over 200. It'll probably end up being $2.40.\n\nAnd at some point with all the OT that's coming up, you could even surge well above that to the $300,000 mark. Does that sound right from what you were saying? Yep. So I'm going a bit more conservative, just keeping it at 200 at the moment. And then once we get a bit more handle on what that OT looks like, I'll just update it.\n\nK. And, Laura, for yours, actually, I've worked back your contributions from work, and it's been pretty consistent the last twelve months. So it kinda looks like you're on around about $7,071,000. Does that sound right to you? Perfect.\n\nAlright. So there's a bit of context down there below for both of you guys and how I arrived at those figures. And then if you go to your lifestyle assets and liabilities on the next page, I've just put in there the investment property in Sydney, which the the debt was remaining on that was a mil 60, and I think the purchase price you guys settled on was 2 mil 50. Is that right? Yep.\n\nPerfect. And I've just put the duplex in as pending because I don't wanna attribute that as an asset if it's not kind of built finalized and the loan's not there just yet. But as soon as we get that, I'll update the system as well. Perfect. If you go through the next section, so we've got the two Hub 24 Supers.\n\nWe've got the MetLife policy. We've got the Encompass policy there on pages eight, nine, and 10. And if you go through to page 11, we just got your high growth risk profile at the moment. Cool. The strategy on page thirteen and fourteen, that's probably the main text heavy area I just wanted to run by you guys before you decide.\n\nJust let me know when you can see that. It should say this one's for Blake specifically, and I've kind of copied the same thing for both of you guys. So what we're doing at the moment, I took into account I don't know if you remember last year when we were speaking, you were wanting to kind of avoid, like, battery tech, lithium, that type of area given everything that was going on in your industry. Does that ring a bit of light? Yeah.\n\nIt's one of those ones where those sectors, there'll be some growth long term anyways. It's getting away from that space and going a little bit more into your industry, which is kind of what I've done, is going a bit more traditional, bigger companies that are that are investing in your space, especially domestically as well. It's gonna have a pretty similar outcome. Like, some of those sectors, they're gonna be quite different over a single year where one may jump up 30%, the other 15, and then vice versa the year afterwards. But I do see it averaging out pretty similar over a five year period.\n\nAnd if it's one of those things where we go through and there's some news updates and some industry updates where you go, actually, there's a really big movement in one space or the other, I can kind of jiggle it back in. That's no trouble at all. A little bit. Yeah. And I haven't gone through to recommend our SMA just yet for that new structure, but I've just updated some of the options in the portfolio.\n\nThe main one for you guys, the real reason for this, is I wanted to remove that Benelon option, which was kind of underperforming in Australia. That's kind of the main anchor. Performance has been good overall, but I just wanted to make sure that was fixed up and just going a bit more traditional with it. K? It's kind of been negative for the year.\n\nSo with most of your options going up twenty, thirty, 60%, that one's down 19, and the Aussie market's been kind of flat for the year. So it's kind of just shot off in a downward direction away from the pack. Yeah. So one of the cool things Yeah. Exactly.\n\nRight. And that's kind of what I'm expecting for this year given sort of what's going on geopolitically. What I'm kind of expecting at the moment and why I've chosen these options is once that volatility settles down, this is gonna give you the most consistent sort of guaranteed return on the way out rather than trying to pick the winners and losers this year given how uncertain it is. So what we're basically doing is it's gonna be up and down quite a lot. One of the tricks that I've done is because because Hub 24 is a wrap platform, I won't go too technical with it, but we've got full control over capital gains tax under the hood as opposed to a usual super fund.\n\nSo when we sell something, we can buy something else and kind of offset the capital gains. So why I wanted to make these changes now is because if Ben Long's down and we sell out of that one, that offsets almost all the gains for all the other options I wanna rebalance. So chops out, like, 80% of the capital gains tax for your super. Cool. So it's just a bit of a accounting trick.\n\nYeah. Yep. So, again, we're just trying to improve the position over five to ten years. Retirement's a while away. The options we've picked, we've got lower investment fees, better track record, and more consistent through different scenarios.\n\nAgain, there's so much uncertainty. I didn't wanna go crazy with it. But, again, because you're super, so large, even with offsetting most of the capital gains, it's still gonna pay about 1,600 in tax from all the gains from, like, your gold fund and all this kind of thing as well. Yep. And one of the main things too, this might seem counterintuitive, but you know how gold's been doing fantastic the last twelve months.\n\nIt's kind of overshot so high that it's become a huge portion of your overall portfolio. So because of wanting to switch some of the options, selling the Benelong, trimming some off the gold, and putting it into the ones I wanted to get in, It's the timing to do that now, but all your contributions, they're still gonna be buying into it consistently. So I'm not reducing it or removing it or getting away from it. I'm just doing a bit of an accounting trick. Yeah.\n\nExactly right. And this type of rebalance, we call it, is basically just buying low to sell high and doing both at the same time. So you trim some of the profit off to buy the dips, switch into what you want, and then it's just gonna be that consistent buy in from all your contributions. Yeah. Everyone's kind of jumping and almost hopping between different metals, and they're all kind of doing a similar pattern at the same time.\n\nYep. Perfect. On page sort of sixteen, seventeen, it just revisits, like, the asset allocation just showing you that we're going a little bit further away from the Aussie market, a little bit heavier into the international market, still keeping the gold there, and a little bit of defensive just to keep you guys within that high growth profile. Not going too risky with it, just keeping it consistent. Cool.\n\nThe performance at the bottom there, the five year rolling average, going backwards, you're averaging in the current options about 12%. We're bumping up to around thirteen, fourteen. And, again, past performance isn't gonna tell us what's gonna happen going forward, but the options I've picked, they're the most consistent when the market does go up in all sectors. K. There was some alternatives in here that I've considered where I wanted to switch Ben along out for another active fund, but the active funds, it's already outperformed the market going back five years.\n\nThey don't normally do it for ten years straight, if that makes sense. So it tends to come in like these these phases and waves where the active funds have done fantastic for five years. If I put you in that now and it underperforms the market, it's gonna lag you like the Benelong was doing. Not to the same degree. It's fantastic options we've got in the back pocket, but, basically, I'm seeing that kind of passive index space doing the most consistent returns.\n\nAnd once there's some options to swing into some of these other options, I'll revisit that in about two years' time. Cool. And that's pretty much the main thing. I've just got in here performance figures, fee differences, and so on. We factored in all the capital gains tax and just wanna check if you guys are are sort of happy with what we've come up with.\n\nYep. The last thing I want to mention on the super portfolio is we've kind of pulled out that small allocation to property and gone more metals and stocks. Now you know how in Australia, property is kind of king? That's not really the case when it comes to the ETFs and the managed funds is they don't seem to keep up with the usual residential market. So if you own 10 properties, not the China one, it is VanEck.\n\nVanEck. VanEck, whatever you wanna pronounce it, Australian property, MVA. And what I find there is if you had 10 properties, especially residential ones, the the consistent growth in Australia for centuries has been incredible. But this market tracker, it seems to spread out so thin across the country that it doesn't really hit the same figures. K?\n\nSo it's not that I we don't like property and as an asset class, but just the options that we can put you in are kind of limited, and they just they don't seem to ever perform as well as what everyone experiences in their day to day. Yeah. Yeah. It was the same thing with infrastructure. Like, we had some years there where for some reason, the listed market was just tanking, but the valuation, all these office buildings, airports, energy factories was just going through the roof, but the the market was just tanking because people were selling out of it and just buying them unlisted privately.\n\nK? So if I do ever find an option where it does track it pretty well, probably swing it back in, but it's at the moment, it's just kinda lagging behind when it shouldn't be. Yeah. Have you got any thoughts on which way it might go? Or yeah.\n\nYeah. Yeah. Yeah. Yeah. It's been a really weird kind of ride because I've been so heavily watching this since about 2012 or even o nine when I was coming out of high school watching the GFC.\n\nAnd when COVID hit people popping states, we had Victoria, New South Wales going to Queensland, which kept us flat because the influx of people selling a million dollar unit to go into a $600,000 house. And the moment it became unaffordable with interest rates skyrocketing and all this kind of thing, then they opened the floodgates to all the foreign investment to come in and pick it up, and that kept it going again. What I tend to see happen if you go historical is there's always some sort of legislation or government policy that just hits a trigger point that causes a complete swing. And that's the only thing that happens is the market does its thing over time. It bounces out, and then someone changes the law, and all of a sudden, there's a panic.\n\nAnd even if it's just gonna even out in the long term, the panic's usually what causes crashes. And then you've got the unaffordability for all the first time buyers who bought a huge amount of debt the last couple of years, and everyone was trying to get into their first home and they got it, but it's barely affordable. They're probably looking at selling too and then the investors. So it's it's all these things compounding. It's just really hard to time, though.\n\nSo at the moment, just with uncertainty, I would kind of again, I'm I'm really glad that you guys have actually sold the property in Sydney because with the uncertainty, it's better just to kind of watch it for a little while and see how it's starting to play out and then take some opportunities after that. Yeah. Exactly. Right. And, Laurel, that's one of the things I wanted to ask you today as well is because we're kind of gearing up for a few of these ideas, and I wanted to just get your thoughts to make sure you both are on the same page, which is you both kind of seem like you you wanna avoid getting direct investment properties going forward, more so pay off the debts that you've got, have some financial security, maybe do a bit of investing that's a bit more traditional.\n\nHow have you been finding all of this the last six months and and your thoughts going forward? Yep. Yeah. Yep. And especially given the surge that you're expecting for Blake's income, it would be nice to, again, use that to even just build up something in an offset account.\n\nSo it's like you've paid off the property, but you still got access to it. So that gives you flexibility as well. Yeah. Exactly right. And one of the things I wanted to just kind of plant in your minds to talk about over the next three months, twelve months, is there's kind of two real big ways to get ahead financially.\n\nRight? There's the loan route where people have some equity. They borrow and get an investment property, and they just start borrowing on borrowing on borrowing and accumulating lots of assets, whether it's property, commercial, shares, whatever it is. It's like a investment debt gain. The flip side to that is it's actually okay if you find personally it suits you guys better to just have the house paid off and invest in some traditional portfolios that are, like, on a screen, on a platform.\n\nYou can pick and choose the options like your super, and it would just kind of grow nice and consistently. And you don't have to worry about managing the people side of things or property managers or lawyers because it's all just through fund managers off in the world, and you get to pick what you invest in. Yeah. Yeah. Yeah.\n\nAnd that's that's the thing is there's two real options within that other option, like a sub options here, is let's say you just pump all the cash in, smash out the mortgage, and build up some investments on the side. You're obviously expecting your investment to get a higher return as a percentage than what the loan is. If the loan's 6%, you wanna be aiming eight, nine, 10, or above. K? So your wealth's gonna naturally grow quicker than the mortgage, and you could potentially swing it in there, pay it off, whatever it is.\n\nThe flip side is you can essentially smash all of your cash into the mortgage and then borrow off of that a small amount. So you know when you get an investment property and you get this little deposit, $50, and you buy something that's 800,000, and you've got this $750,000 loan. Like, you've leveraged up so much on $50. The flip side is you take $50 of equity from the house, and you put that into $50 worth of investments. And it's a kind of one to one leverage, not like eight times.\n\nDid you put it back? Or 16 times. So that's a way to get good debt and accelerate paying off the mortgage and growing wealth quicker without stacking on loads of loans that you're gonna take a decade or two to pay off and also avoid the headache of the property side of things. So it's a little bit of like debt recycling. Yeah.\n\nYep. Exactly right. And that's something similar that I I kind of do personally as well is I use the first couple of properties to start getting that that equity to do into that type of strategy, but I'm never interested in getting a dozen properties to try and manage or even. Yeah. Something with an on-site manager that's, like, consistently managed.\n\nYeah. Yeah. Yep. So that's one of the things too is if we have to have considerations for helping the kids out over time as well, because I don't wanna lock you into a path where you guys have to dedicate the next ten, twenty years to something for yourselves without having any flexibility to assist them either. So one of the things that what I'm kind of envisioning, and we'll confirm it when we speak because, obviously, we have to rediscuss the options, is the world's crazy for this year.\n\nIt's it's almost a write off. Yeah. Exactly. So by the time you guys move into the property and settle into things, we're gonna be looking at, like, the you know, a little bit of contributions in the super, and we're talking second half of the year. It's only six months.\n\nWhat I would do is rather than going full ham into a debt recycling strategy and go through all the advanced things, is let's just do a dip the toe in the water, maybe set you up with this little account where we put a small amount in and a small consistent amount to invest and see how it plays out through the markets compared to your super but with a different portfolio. So instead of going high growth with it and high risk, we'll do something a little bit more middle and see how that goes, see how it behaves, and then we can revisit it at the end of the year and say, okay. You've got your policy anniversary for your insurances. We'll chat about them. We'll see how your super compared to your investment and decide whether you wanna go a little bit more faster on the gas or slow it down, whatever it is.\n\nBy then, we'll have a bit more of an idea about what's happening in the world and where the opportunities are. Then in the year after, we can decide whether we're gonna okay. You've put all this cash into this property. Now we'll use some of it to do maybe some debt recycling. So just take it in two steps.\n\nYep. So just to give you an indication, the accounts that you use, there's some very basic ones, and there's some of your advanced ones like your hub 20 fours. There's minimums. So generally speaking, you might want $10 as a minimum or something like that because you've got to keep a couple of grand in cash and you wanted to actually do something. So these types of figures we'll talk about in our next catch up as well.\n\nAnd then just get an account open, make sure the contributions are optimized, make sure you've got a plan for the property, and what you're gonna do with your cash flow, because, obviously, you need to settle into your cash flow and your budget. And then we'll let that go for six months, revisit it after that. Cool. Yes. I did, actually.\n\nI do apologize. I've flicked that over to, Sevi, and we were having a chat about it this week. And, he's fallen ill at the moment. He's got gastro. So yeah.\n\nSo I am intending to pretty much catch up with him, like, Monday, Tuesday, and then flick it back a bit of an email. I do apologize for that. Okay. Yeah. Yeah.\n\nAbsolutely. And one of the things that I'm just careful with is there's a lot of bias in the industry, and I can talk to half the industry who say no better leases are the best thing, and the other half goes stay away from them in all cases. And there is a bit of truth in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision. Yeah. Yeah.\n\nAbsolutely. So I'll try and get you some information on that next week, hopefully. And, again, if it's a quarter two thing, we'll we'll have it more of a catch when you come in as well. Yeah. And it's one of those ones where I what savvy normally does in these cases is because they're all different agreements is we do a bit of a calculation, almost like a little bit of a paper based projection, if you will.\n\nAnd we'll just kinda see what that looks like, short term, long term, pros and cons, and give you some ideas. Cool. Cool. Do you guys have any questions on the statement of advice that I've sent you for this morning just before I let you go? Yep.\n\nYep. And there's one thing that just a bit of a, like, gentle reminder is because we use the fanciest platforms you can find, it makes things a little bit more complex because you've got more control over it. Any other traditional superfund, it that doesn't even enter the conversation because it's not even an option. Yeah. Yep.\n\nYeah. Exactly right. And, look, to be honest, you guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy. But if you ever have questions or concerns or anything like that, like, it does take years to get into it, and we'll just chip away at it. And before you know it, you'll be telling your kids one day all these things yourself, and they will be much better off for Yeah.\n\nYeah. And it's a good time to do it too given ages and so on. I think you guys are setting yourselves up very well for both you guys and the kids as well. They'll be very appreciative of it, I'm assuming. I'm hoping.\n\nBut even not, they'll benefit from it. Cool. Are there any other updates you guys can think of? Any any changes on the way except for the the work and property side of things? You're thinking salary packaging?\n\nUh-huh. Yep. Yeah. Cool. I mean, anything anywhere where you can use pretax dollars is a good setup because, obviously, using gross income before it gets taxed and then getting taxed on the rest is fantastic.\n\nIt's like your super contributions, which is good. And the question always becomes, because there's so many different things that you can do that for depending on the employer, are you actually gonna get the benefit out of it and actually use it? Because everyone looks for, like, tax deductions, but then you go, okay. Am I actually utilizing it, or am I just paying extra for something? Yeah.\n\nYeah. Cool. I mean, flick through the the Qantas club stuff, and I'll have a look at that. And then in the same email, I'll kind of respond to that in the novett at least. Yeah.\n\nYep. Yep. Yep. Cool. Yeah.\n\nI'll just drop the email. Yeah. Absolutely. Again, with this sort of thing, it looks like it's a yearly payment. So, again, just factor in things like lump sums and not having those dollars for the year.\n\nYes. Pretax. That's good. Salary sacrifice, ma'am. Yeah.\n\nI'll have a little look and and let you guys know. That's pretty fun. Awesome. Awesome. Anything else I can help you guys with?\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nAbsolutely. It's one of the things too. Anytime you earn, you get taxed, so that's because you've you've grown something, and that's always a positive. Okay. Alright.\n\nThat's interesting. I'll have a little look at the old KuDOS account too. Alright. So we've got the the Conners Club, the Nevada lease. You've got the funds going into the Qudos account just to get a bit of interest out of that.\n\nPerfect. Perfect. That'll be my favorite thing is to set you up a nice little pension account and then send you guys on your way. And then our conversations will chat between not what to invest in. It'll be like, you guys are pulling too much money out because you're having too much fun.\n\nYou're allowed to have four holidays this year, not seven. And then you guys will have to plan those out, and then, you know, you pull out $30 for this, $40 for that, and it's it's all fun after that. Unless maybe this Qantas Club discounts on the business club. We'll have to see, but I'll have a look. For that catch up, guys, I have some leave kind of coming up in June, which is horrible timing, especially in a financial year.\n\nI've got a third baby on the way. I've got a daughter coming in June. Thanks. So I wanna make sure you guys are well well and truly sorted before then. Do you wanna do a catch up in April?\n\nThat way, I can do a plan for you guys in May, and then it's all good for when I go. That would be fantastic. If you're gonna have all that lined up beforehand, that gives us a bit more value out of that conversation. Yeah. Any type of statements, details, documents you can bring in for a face to face is always better.\n\nThat way, I don't have to kinda go, okay. Oh, we don't have this. We'll have to search for emails or come back to you later. Yep. And I'm just kind of tagging a few things for advice wise for that discussion to talk about contributions, investment, budgeting, debt, and so on.\n\nYeah. Absolutely. I'd be to see kind of how you guys have been rolling on the last couple of years and what your your your style of budgeting is. And if I can see anything that can help, I'll let you know. Absolutely.\n\nCool. Cool. And I will just briefly, in the next catch up, just touch on the insurances just to make sure we don't have to jiggle anything around once it's all finalized. Yep. Easy done.\n\nDo you guys want me to book in a day in April now while I've got you, or you want me to get the team? Cool. Alright. So we've got a few weeks still left of the month. That should be plenty of time.\n\nFor a face to face, what would be your preferred sort of days and times? Yep. Cool. Yeah. I'll try and do I think seventeenth would be good.\n\nThat way, if there's any trouble, we can always reschedule it for a week ahead, and that still gives us a bit of a buffer for May to to get anything done as well. Should we do morning, like, nine or ten in the morning? Or Perfect. Bit of a morning date drop off and then into the finances for Friday. Alright.\n\nSo I'll do face to face catch up. We'll do 10AM on Friday, April 17. Awesome. And I'll let Sevi know that you guys are popping in so you can say hello as well if he's in on the Friday, see if the big man's there. And, yeah, look forward to catching up with you guys.\n\nCool. You too. And just keep an eye out for an email next week for those lease and Qantas questions. Awesome, guys. Have a great weekend.\n\nI'll talk to you soon. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hey, guys.","start":5.3599997,"end":5.92,"sentiment":"neutral","sentiment_score":0.10074225440621376},{"text":"It's Tommy from Oakview.","start":5.92,"end":6.96,"sentiment":"neutral","sentiment_score":0.1518002450466156},{"text":"How are you doing?","start":6.96,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.1827198974788189},{"text":"Good.","start":9.28,"end":9.5199995,"sentiment":"positive","sentiment_score":0.4274712800979614},{"text":"Thank you.","start":9.5199995,"end":10.08,"sentiment":"positive","sentiment_score":0.5598373115062714}],"sentiment":"neutral","sentiment_score":0.23743930630958998,"num_words":13,"start":5.3599997,"end":10.08},{"sentences":[{"text":"Happy Friday.","start":10.08,"end":10.9,"sentiment":"positive","sentiment_score":0.43199969828128815},{"text":"I was just trying to call Blake's mobile, but it was engaged for some reason.","start":11.2,"end":14.745,"sentiment":"neutral","sentiment_score":0.037254690378904345},{"text":"So I thought I'd try yours, Laura.","start":14.745,"end":16.285,"sentiment":"neutral","sentiment_score":0.05059394719345229},{"text":"We we do seem to be communication curse at the moment, which was always the way.","start":19.145,"end":25.085,"sentiment":"neutral","sentiment_score":0.04971571592614055},{"text":"Do you both have a little bit of time this morning, or will I just go through with Blake today?","start":25.625,"end":30.45,"sentiment":"neutral","sentiment_score":0.02458548997528851}],"sentiment":"neutral","sentiment_score":0.05106897728207211,"num_words":60,"start":10.08,"end":30.45},{"sentences":[{"text":"What would be the preference?","start":30.51,"end":31.65,"sentiment":"neutral","sentiment_score":0.020984701812267303},{"text":"Perfect.","start":37.309998,"end":37.71,"sentiment":"positive","sentiment_score":0.4819607138633728},{"text":"Perfect.","start":37.71,"end":38.03,"sentiment":"positive","sentiment_score":0.4001462459564209},{"text":"And I do apologize this morning.","start":38.03,"end":39.55,"sentiment":"neutral","sentiment_score":0.003930723294615748},{"text":"I made sure I sent the invite out to Teams last night and for some reason disappeared in the last half an hour.","start":39.55,"end":46.585003,"sentiment":"neutral","sentiment_score":-0.015059017940707829}],"sentiment":"neutral","sentiment_score":0.018451594333681796,"num_words":36,"start":30.51,"end":46.585003},{"sentences":[{"text":"I've sent through that statement of advice, Laura.","start":49.525,"end":51.525,"sentiment":"neutral","sentiment_score":0.07702045235782862},{"text":"It already said that you've signed it so far.","start":51.525,"end":53.605003,"sentiment":"neutral","sentiment_score":0.07563042806254493},{"text":"Do you have the document open in front of you?","start":53.605003,"end":55.86,"sentiment":"neutral","sentiment_score":0.046670413203537466},{"text":"Perfect.","start":58.66,"end":59.16,"sentiment":"positive","sentiment_score":0.3564808964729309},{"text":"And how are you going over there, Blake?","start":59.62,"end":61.16,"sentiment":"neutral","sentiment_score":0.14780664909631014}],"sentiment":"neutral","sentiment_score":0.09173543590845333,"num_words":36,"start":49.525,"end":61.16},{"sentences":[{"text":"Fantastic.","start":63.38,"end":63.78,"sentiment":"positive","sentiment_score":0.6176077127456665},{"text":"It's actually been a really good week, and I was really looking forward to chatting to you guys today.","start":63.78,"end":67.38,"sentiment":"positive","sentiment_score":0.6487492668001276},{"text":"But, yeah, it's been a fantastic week.","start":67.38,"end":70.335,"sentiment":"positive","sentiment_score":0.6407538141523089},{"text":"While you guys are grabbing that document up, I did wanna just quickly ask you as well.","start":73.775,"end":77.475,"sentiment":"neutral","sentiment_score":0.05176937119925723},{"text":"With the timing of the sale of the property and everything, is May.","start":77.695,"end":83.229996,"sentiment":"neutral","sentiment_score":0.032791562378406525}],"sentiment":"neutral","sentiment_score":0.3286928088126475,"num_words":57,"start":63.38,"end":83.229996},{"sentences":[{"text":"Do you think a good time for us to catch up in May?","start":83.39,"end":86.75,"sentiment":"neutral","sentiment_score":0.04777740199978535},{"text":"Do you think you'll have all of the proceeds by then being moved in?","start":86.75,"end":90.42999,"sentiment":"neutral","sentiment_score":0.03325097036681005},{"text":"Or Yeah.","start":90.42999,"end":102.605,"sentiment":"neutral","sentiment_score":0.05995390936732292},{"text":"That'll be good because I wanna make sure that we've got enough time to do anything contribution wise before the end of financial year because sometimes June can be a little bit of a rush.","start":102.605,"end":111.5,"sentiment":"neutral","sentiment_score":0.12107325930680547},{"text":"And if we need to go through again, like, what to do with the funds, whether it's investments and movements around and things like that, would you would your preference be to kind of pop into, like, the office for that or just a Teams call, phone?","start":111.88,"end":127.725,"sentiment":"neutral","sentiment_score":0.03614514731267031}],"sentiment":"neutral","sentiment_score":0.06435057323694497,"num_words":111,"start":83.39,"end":127.725},{"sentences":[{"text":"What would kind of work for you guys?","start":128.265,"end":129.785,"sentiment":"neutral","sentiment_score":0.05355472816154361},{"text":"Yeah.","start":129.785,"end":130.285,"sentiment":"neutral","sentiment_score":0.13350096344947815},{"text":"Yeah.","start":138.76,"end":139.23999,"sentiment":"neutral","sentiment_score":0.08715774118900299},{"text":"Especially the the visual side of it is gonna be really important, especially given all the moving parts.","start":139.23999,"end":145.72,"sentiment":"neutral","sentiment_score":0.10816916078329086},{"text":"I'd rather even just bring up the old whiteboard and kind of map it out for you guys a little bit.","start":145.72,"end":150.165,"sentiment":"neutral","sentiment_score":0.20775438774199712}],"sentiment":"neutral","sentiment_score":0.1420200727880001,"num_words":49,"start":128.265,"end":150.165},{"sentences":[{"text":"Cool.","start":153.36499,"end":153.86499,"sentiment":"positive","sentiment_score":0.7579418420791626},{"text":"The nice and easy one this morning.","start":154.245,"end":156.245,"sentiment":"positive","sentiment_score":0.818736161504473},{"text":"So, again, we were just holding off on doing anything contribution wise until that's all finalized.","start":156.245,"end":161.78499,"sentiment":"neutral","sentiment_score":0.12781880469992757},{"text":"So this is purely yeah.","start":162.245,"end":175.54,"sentiment":"neutral","sentiment_score":0.07050741873681546},{"text":"Gotcha.","start":175.54,"end":175.94,"sentiment":"neutral","sentiment_score":0.03138025104999542}],"sentiment":"neutral","sentiment_score":0.29727043975144624,"num_words":30,"start":153.36499,"end":175.94},{"sentences":[{"text":"Gotcha.","start":175.94,"end":176.34,"sentiment":"neutral","sentiment_score":0.03924215957522392},{"text":"Gotcha.","start":176.34,"end":176.835,"sentiment":"neutral","sentiment_score":0.07734295725822449},{"text":"Okay.","start":176.91501,"end":177.315,"sentiment":"neutral","sentiment_score":0.17582225799560547},{"text":"Cool.","start":177.315,"end":177.71501,"sentiment":"neutral","sentiment_score":0.28368115425109863},{"text":"So I'll work that in a little bit too over the next sort of month or so.","start":177.71501,"end":181.735,"sentiment":"neutral","sentiment_score":0.16884075017536387}],"sentiment":"neutral","sentiment_score":0.16411339438387326,"num_words":21,"start":175.94,"end":181.735},{"sentences":[{"text":"I might just walk through this document today because this is just a portfolio update, and then we'll kind of book in for that next catch up.","start":182.99501,"end":189.69,"sentiment":"neutral","sentiment_score":0.15010512151100017},{"text":"Cool.","start":191.37,"end":191.61,"sentiment":"positive","sentiment_score":0.37618839740753174},{"text":"Cool.","start":191.61,"end":192.11,"sentiment":"neutral","sentiment_score":0.3306770920753479},{"text":"Most of this, if you have a little bit of scroll through the document, you guys have been through SOAs before, so I won't bore you with some of the the basic details.","start":192.41,"end":200.43001,"sentiment":"neutral","sentiment_score":0.20238921159144604},{"text":"Can you pop through to page three zero four for me where it's got the scope of advice listed?","start":201.37,"end":206.615,"sentiment":"neutral","sentiment_score":0.1087242929559005}],"sentiment":"neutral","sentiment_score":0.1667198681353051,"num_words":81,"start":182.99501,"end":206.615},{"sentences":[{"text":"Cool.","start":208.275,"end":208.595,"sentiment":"neutral","sentiment_score":0.006219508126378059},{"text":"So this is just capturing, again, overarching retirement goals, that early retirement around 60, the review of the superannuation, someone, which is what we're really focusing on today.","start":208.595,"end":218.055,"sentiment":"positive","sentiment_score":0.3359921835362911},{"text":"And there was just a couple of reminders in there just to make sure all the wills and power of attorney and things, estate planning wise, are up to date because your beneficiaries are all accurate, if that makes sense.","start":218.15001,"end":228.89001,"sentiment":"neutral","sentiment_score":0.2982774473726749},{"text":"Cool.","start":230.15001,"end":230.65001,"sentiment":"neutral","sentiment_score":0.32641124725341797},{"text":"Yeah.","start":234.295,"end":234.615,"sentiment":"neutral","sentiment_score":0.22037813067436215}],"sentiment":"neutral","sentiment_score":0.3083364495771452,"num_words":71,"start":208.275,"end":234.615},{"sentences":[{"text":"And it's one of those things too where there's always three options for basic setups.","start":234.615,"end":239.255,"sentiment":"neutral","sentiment_score":0.2625481625398},{"text":"You can do a $25 will kit from the post office.","start":239.255,"end":242.315,"sentiment":"neutral","sentiment_score":0.22316617180000653},{"text":"There's obviously lawyers, of course, but you've also got the public trustee of the state can also do appointments, you know, kind of like the courthouse.","start":242.535,"end":249.58,"sentiment":"neutral","sentiment_score":0.18670205198801482},{"text":"They can do appointments for the same thing.","start":249.96,"end":251.90001,"sentiment":"neutral","sentiment_score":0.17930949293076992},{"text":"As far as what we're not doing at the moment, so with the insurances, we're basically just talking about holding off on that for the time being.","start":253.96,"end":260.905,"sentiment":"neutral","sentiment_score":-0.21083410484371362}],"sentiment":"neutral","sentiment_score":0.08033630795691205,"num_words":87,"start":234.615,"end":260.905},{"sentences":[{"text":"So once you've got the finalized sort of build in Paradise Pointe, we'll know a bit more about the final debt.","start":260.905,"end":267.94498,"sentiment":"neutral","sentiment_score":-0.0079249178490413},{"text":"I know, Blake, you said it's gonna be around $8.50 to 900,000.","start":267.94498,"end":271.465,"sentiment":"neutral","sentiment_score":-0.01314974840109547},{"text":"Is that right?","start":271.465,"end":272.285,"sentiment":"neutral","sentiment_score":0.000826394185423851},{"text":"No.","start":283.33002,"end":283.49,"sentiment":"neutral","sentiment_score":-0.16934075951576233},{"text":"You're right.","start":283.49,"end":283.89,"sentiment":"neutral","sentiment_score":-0.07460100390017033}],"sentiment":"neutral","sentiment_score":-0.016417534369303703,"num_words":39,"start":260.905,"end":283.89},{"sentences":[{"text":"It is the end of the week.","start":283.89,"end":285.11002,"sentiment":"neutral","sentiment_score":-0.013433989137411118},{"text":"It'll come back to you.","start":285.25,"end":286.47,"sentiment":"neutral","sentiment_score":0.0036788975819945337},{"text":"Stamp duty.","start":289.08502,"end":289.725,"sentiment":"neutral","sentiment_score":-0.0022470895200967806},{"text":"Yep.","start":289.725,"end":290.045,"sentiment":"neutral","sentiment_score":0.06816123425960541},{"text":"Yep.","start":290.045,"end":290.36502,"sentiment":"neutral","sentiment_score":0.07316945493221283}],"sentiment":"neutral","sentiment_score":0.0038245671312324703,"num_words":16,"start":283.89,"end":290.36502},{"sentences":[{"text":"And I've put in a few things in this document just about paying the parents back for that deposit assistance and things like that.","start":290.36502,"end":296.685,"sentiment":"neutral","sentiment_score":0.06843736736724775},{"text":"So you're looking at clearing maybe $8.80 approximately.","start":296.685,"end":300.14502,"sentiment":"neutral","sentiment_score":0.028846483444795012},{"text":"Would would you say that's before or after stamp duty?","start":301.04,"end":303.7,"sentiment":"neutral","sentiment_score":0.0006775099143851548},{"text":"Before.","start":305.36002,"end":305.84,"sentiment":"neutral","sentiment_score":0.0161975659430027},{"text":"Yep.","start":305.84,"end":306.16,"sentiment":"neutral","sentiment_score":0.08415820449590683}],"sentiment":"neutral","sentiment_score":0.04500908077170607,"num_words":44,"start":290.36502,"end":306.16},{"sentences":[{"text":"Cool.","start":306.16,"end":306.66,"sentiment":"neutral","sentiment_score":0.25265002250671387},{"text":"I've put in some of the cash flow and debt management goals because, obviously, this document just deals with updating your super portfolio.","start":307.44,"end":312.9,"sentiment":"neutral","sentiment_score":0.17670470735301141},{"text":"But, again, I've just noted down that that's all being finalized very soon.","start":312.96,"end":316.5,"sentiment":"neutral","sentiment_score":0.15520665049552917},{"text":"We'll talk about future investments, contributions, what to do with properties in cash, and so on, both in terms of lump sums and cash flow in our next catch up.","start":316.695,"end":325.83502,"sentiment":"neutral","sentiment_score":0.12738924423853557},{"text":"Beautiful.","start":327.575,"end":328.075,"sentiment":"positive","sentiment_score":0.7529990673065186}],"sentiment":"neutral","sentiment_score":0.1604297226842712,"num_words":68,"start":306.16,"end":328.075},{"sentences":[{"text":"The situation for your current finances can you flick through to page seven or eight for me?","start":328.695,"end":334.69998,"sentiment":"neutral","sentiment_score":0.15617356339798255},{"text":"I did a little bit of a jiggle around with the figures just to add in some additional context, and just wanna make sure you guys are happy with what I've written.","start":334.69998,"end":342.045,"sentiment":"neutral","sentiment_score":0.22666540648788214},{"text":"So in your about you section, there's a table there.","start":343.08502,"end":346.545,"sentiment":"neutral","sentiment_score":0.07991079874336719},{"text":"Like, I've put you down at around about 200,000 for the income at the moment because I know based on everything that you've just last time, which you're basically like, I'm going over 200.","start":346.92502,"end":357.65997,"sentiment":"neutral","sentiment_score":0.042145121438593114},{"text":"It'll probably end up being $2.40.","start":357.87997,"end":360.06,"sentiment":"neutral","sentiment_score":0.05118640512228012}],"sentiment":"neutral","sentiment_score":0.12573135487330758,"num_words":99,"start":328.695,"end":360.06},{"sentences":[{"text":"And at some point with all the OT that's coming up, you could even surge well above that to the $300,000 mark.","start":360.36,"end":366.52,"sentiment":"neutral","sentiment_score":0.04432364282282916},{"text":"Does that sound right from what you were saying?","start":366.52,"end":369.09998,"sentiment":"neutral","sentiment_score":0.034126848810248904},{"text":"Yep.","start":370.385,"end":370.785,"sentiment":"neutral","sentiment_score":0.09574445337057114},{"text":"So I'm going a bit more conservative, just keeping it at 200 at the moment.","start":370.785,"end":374.405,"sentiment":"neutral","sentiment_score":0.10476775219043095},{"text":"And then once we get a bit more handle on what that OT looks like, I'll just update it.","start":374.545,"end":378.885,"sentiment":"neutral","sentiment_score":0.0534178989106103}],"sentiment":"neutral","sentiment_score":0.06006761510489565,"num_words":66,"start":360.36,"end":378.885},{"sentences":[{"text":"K.","start":382.0,"end":382.5,"sentiment":"neutral","sentiment_score":0.04413715749979019},{"text":"And, Laura, for yours, actually, I've worked back your contributions from work, and it's been pretty consistent the last twelve months.","start":382.63998,"end":389.44,"sentiment":"neutral","sentiment_score":0.18343020656279155},{"text":"So it kinda looks like you're on around about $7,071,000.","start":389.44,"end":392.88,"sentiment":"neutral","sentiment_score":0.1218994215130806},{"text":"Does that sound right to you?","start":392.88,"end":394.215,"sentiment":"neutral","sentiment_score":0.12827726577719054},{"text":"Perfect.","start":396.135,"end":396.635,"sentiment":"positive","sentiment_score":0.5841748714447021}],"sentiment":"neutral","sentiment_score":0.16587190196300164,"num_words":39,"start":382.0,"end":396.635},{"sentences":[{"text":"Alright.","start":397.175,"end":397.415,"sentiment":"neutral","sentiment_score":0.2143369168043137},{"text":"So there's a bit of context down there below for both of you guys and how I arrived at those figures.","start":397.415,"end":402.07498,"sentiment":"neutral","sentiment_score":0.08682678852762495},{"text":"And then if you go to your lifestyle assets and liabilities on the next page, I've just put in there the investment property in Sydney, which the the debt was remaining on that was a mil 60, and I think the purchase price you guys settled on was 2 mil 50.","start":402.135,"end":416.8,"sentiment":"neutral","sentiment_score":0.05849644234951805},{"text":"Is that right?","start":416.94,"end":417.75998,"sentiment":"neutral","sentiment_score":0.07486385355393092},{"text":"Yep.","start":419.02,"end":419.25998,"sentiment":"neutral","sentiment_score":0.16353777050971985}],"sentiment":"neutral","sentiment_score":0.07024866710235546,"num_words":77,"start":397.175,"end":419.25998},{"sentences":[{"text":"Perfect.","start":419.25998,"end":419.66,"sentiment":"neutral","sentiment_score":0.010859076865017414},{"text":"And I've just put the duplex in as pending because I don't wanna attribute that as an asset if it's not kind of built finalized and the loan's not there just yet.","start":419.66,"end":427.42502,"sentiment":"neutral","sentiment_score":0.03973617413430475},{"text":"But as soon as we get that, I'll update the system as well.","start":427.42502,"end":430.725,"sentiment":"neutral","sentiment_score":0.07810343228853665},{"text":"Perfect.","start":433.665,"end":434.165,"sentiment":"positive","sentiment_score":0.6973407864570618},{"text":"If you go through the next section, so we've got the two Hub 24 Supers.","start":434.385,"end":437.765,"sentiment":"neutral","sentiment_score":0.18921978225310643}],"sentiment":"neutral","sentiment_score":0.09408707724463555,"num_words":62,"start":419.25998,"end":437.765},{"sentences":[{"text":"We've got the MetLife policy.","start":438.22,"end":439.74,"sentiment":"neutral","sentiment_score":0.13218411803245544},{"text":"We've got the Encompass policy there on pages eight, nine, and 10.","start":439.74,"end":443.76,"sentiment":"neutral","sentiment_score":0.09611952304840088},{"text":"And if you go through to page 11, we just got your high growth risk profile at the moment.","start":444.13998,"end":449.12,"sentiment":"neutral","sentiment_score":-0.02151847895430891},{"text":"Cool.","start":451.035,"end":451.535,"sentiment":"neutral","sentiment_score":0.28768715262413025},{"text":"The strategy on page thirteen and fourteen, that's probably the main text heavy area I just wanted to run by you guys before you decide.","start":452.39502,"end":461.05502,"sentiment":"neutral","sentiment_score":0.13572678208351135}],"sentiment":"neutral","sentiment_score":0.08203807211811504,"num_words":62,"start":438.22,"end":461.05502},{"sentences":[{"text":"Just let me know when you can see that.","start":461.195,"end":462.795,"sentiment":"neutral","sentiment_score":0.09899512098895179},{"text":"It should say this one's for Blake specifically, and I've kind of copied the same thing for both of you guys.","start":462.795,"end":468.7,"sentiment":"neutral","sentiment_score":0.11748075910976954},{"text":"So what we're doing at the moment, I took into account I don't know if you remember last year when we were speaking, you were wanting to kind of avoid, like, battery tech, lithium, that type of area given everything that was going on in your industry.","start":468.7,"end":482.01498,"sentiment":"neutral","sentiment_score":-0.07500898727077118},{"text":"Does that ring a bit of light?","start":482.395,"end":483.85498,"sentiment":"neutral","sentiment_score":-0.020641219669154713},{"text":"Yeah.","start":492.33,"end":492.83,"sentiment":"neutral","sentiment_score":0.049999091774225235}],"sentiment":"neutral","sentiment_score":-0.0030807037344750235,"num_words":85,"start":461.195,"end":492.83},{"sentences":[{"text":"It's one of those ones where those sectors, there'll be some growth long term anyways.","start":492.89,"end":498.35,"sentiment":"neutral","sentiment_score":0.0030278239903661114},{"text":"It's getting away from that space and going a little bit more into your industry, which is kind of what I've done, is going a bit more traditional, bigger companies that are that are investing in your space, especially domestically as well.","start":500.01,"end":515.265,"sentiment":"neutral","sentiment_score":-0.04511595650443009},{"text":"It's gonna have a pretty similar outcome.","start":516.83,"end":519.41003,"sentiment":"neutral","sentiment_score":0.12398758104869298},{"text":"Like, some of those sectors, they're gonna be quite different over a single year where one may jump up 30%, the other 15, and then vice versa the year afterwards.","start":519.79004,"end":529.57,"sentiment":"neutral","sentiment_score":0.06301737142105897},{"text":"But I do see it averaging out pretty similar over a five year period.","start":529.895,"end":534.475,"sentiment":"neutral","sentiment_score":0.16019552094595774}],"sentiment":"neutral","sentiment_score":0.02918258046190237,"num_words":108,"start":492.89,"end":534.475},{"sentences":[{"text":"And if it's one of those things where we go through and there's some news updates and some industry updates where you go, actually, there's a really big movement in one space or the other, I can kind of jiggle it back in.","start":536.295,"end":548.14,"sentiment":"neutral","sentiment_score":0.038315249087159026},{"text":"That's no trouble at all.","start":548.14,"end":549.52,"sentiment":"neutral","sentiment_score":0.3285657107830048},{"text":"A little bit.","start":558.475,"end":559.19495,"sentiment":"neutral","sentiment_score":-0.006385945404569308},{"text":"Yeah.","start":559.19495,"end":559.69495,"sentiment":"neutral","sentiment_score":0.018600203096866608},{"text":"And I haven't gone through to recommend our SMA just yet for that new structure, but I've just updated some of the options in the portfolio.","start":559.75494,"end":569.375,"sentiment":"neutral","sentiment_score":-0.06035938085271762}],"sentiment":"neutral","sentiment_score":0.02205747088942772,"num_words":78,"start":536.295,"end":569.375},{"sentences":[{"text":"The main one for you guys, the real reason for this, is I wanted to remove that Benelon option, which was kind of underperforming in Australia.","start":569.595,"end":577.46,"sentiment":"neutral","sentiment_score":-0.3026263209489676},{"text":"That's kind of the main anchor.","start":577.76,"end":579.38,"sentiment":"neutral","sentiment_score":-0.03930816457917293},{"text":"Performance has been good overall, but I just wanted to make sure that was fixed up and just going a bit more traditional with it.","start":579.52,"end":586.545,"sentiment":"neutral","sentiment_score":-0.007785571962594986},{"text":"K?","start":588.14496,"end":588.64496,"sentiment":"neutral","sentiment_score":-0.0369933620095253},{"text":"It's kind of been negative for the year.","start":591.745,"end":593.825,"sentiment":"negative","sentiment_score":-0.4674534872174263}],"sentiment":"neutral","sentiment_score":-0.18296051349942433,"num_words":66,"start":569.595,"end":593.825},{"sentences":[{"text":"So with most of your options going up twenty, thirty, 60%, that one's down 19, and the Aussie market's been kind of flat for the year.","start":593.825,"end":602.72,"sentiment":"neutral","sentiment_score":-0.3292141573933455},{"text":"So it's kind of just shot off in a downward direction away from the pack.","start":602.72,"end":607.06,"sentiment":"negative","sentiment_score":-0.4436635772387187},{"text":"Yeah.","start":611.84,"end":612.34,"sentiment":"neutral","sentiment_score":0.008295837789773941},{"text":"So one of the cool things Yeah.","start":612.855,"end":629.67,"sentiment":"neutral","sentiment_score":0.022053431187357222},{"text":"Exactly.","start":629.67,"end":630.17,"sentiment":"neutral","sentiment_score":0.0899709090590477}],"sentiment":"neutral","sentiment_score":-0.2992376197129488,"num_words":50,"start":593.825,"end":630.17},{"sentences":[{"text":"Right.","start":630.23,"end":630.55,"sentiment":"neutral","sentiment_score":0.1230863481760025},{"text":"And that's kind of what I'm expecting for this year given sort of what's going on geopolitically.","start":630.55,"end":635.85,"sentiment":"neutral","sentiment_score":0.07065187679494128},{"text":"What I'm kind of expecting at the moment and why I've chosen these options is once that volatility settles down, this is gonna give you the most consistent sort of guaranteed return on the way out rather than trying to pick the winners and losers this year given how uncertain it is.","start":636.55,"end":653.43,"sentiment":"neutral","sentiment_score":0.18274999180665383},{"text":"So what we're basically doing is it's gonna be up and down quite a lot.","start":655.35,"end":658.95,"sentiment":"neutral","sentiment_score":-0.015231894950071972},{"text":"One of the tricks that I've done is because because Hub 24 is a wrap platform, I won't go too technical with it, but we've got full control over capital gains tax under the hood as opposed to a usual super fund.","start":658.95,"end":672.695,"sentiment":"neutral","sentiment_score":0.06195234214620931}],"sentiment":"neutral","sentiment_score":0.10394242341358831,"num_words":127,"start":630.23,"end":672.695},{"sentences":[{"text":"So when we sell something, we can buy something else and kind of offset the capital gains.","start":672.695,"end":677.115,"sentiment":"neutral","sentiment_score":-0.008906853549620685},{"text":"So why I wanted to make these changes now is because if Ben Long's down and we sell out of that one, that offsets almost all the gains for all the other options I wanna rebalance.","start":678.615,"end":688.05,"sentiment":"neutral","sentiment_score":0.0753499518872963},{"text":"So chops out, like, 80% of the capital gains tax for your super.","start":690.19,"end":694.13,"sentiment":"neutral","sentiment_score":0.06162632657931401},{"text":"Cool.","start":696.045,"end":696.285,"sentiment":"neutral","sentiment_score":0.32781699299812317},{"text":"So it's just a bit of a accounting trick.","start":696.285,"end":698.865,"sentiment":"neutral","sentiment_score":0.08022666060262257}],"sentiment":"neutral","sentiment_score":0.0580550123888411,"num_words":76,"start":672.695,"end":698.865},{"sentences":[{"text":"Yeah.","start":701.725,"end":702.045,"sentiment":"neutral","sentiment_score":0.043761156499385834},{"text":"Yep.","start":702.045,"end":702.445,"sentiment":"neutral","sentiment_score":0.048429202288389206},{"text":"So, again, we're just trying to improve the position over five to ten years.","start":702.445,"end":705.885,"sentiment":"neutral","sentiment_score":0.14497413539460727},{"text":"Retirement's a while away.","start":705.885,"end":707.345,"sentiment":"neutral","sentiment_score":-0.07452697865664959},{"text":"The options we've picked, we've got lower investment fees, better track record, and more consistent through different scenarios.","start":707.725,"end":714.67,"sentiment":"neutral","sentiment_score":0.1918088605420457}],"sentiment":"neutral","sentiment_score":0.13884946919585528,"num_words":38,"start":701.725,"end":714.67},{"sentences":[{"text":"Again, there's so much uncertainty.","start":714.89,"end":716.17,"sentiment":"neutral","sentiment_score":-0.06752787716686726},{"text":"I didn't wanna go crazy with it.","start":716.17,"end":717.77,"sentiment":"neutral","sentiment_score":-0.15072147867509297},{"text":"But, again, because you're super, so large, even with offsetting most of the capital gains, it's still gonna pay about 1,600 in tax from all the gains from, like, your gold fund and all this kind of thing as well.","start":717.77,"end":729.235,"sentiment":"neutral","sentiment_score":0.10607872772961854},{"text":"Yep.","start":731.055,"end":731.295,"sentiment":"neutral","sentiment_score":0.09151410311460496},{"text":"And one of the main things too, this might seem counterintuitive, but you know how gold's been doing fantastic the last twelve months.","start":731.295,"end":737.475,"sentiment":"neutral","sentiment_score":0.23520121253702952}],"sentiment":"neutral","sentiment_score":0.10988949163277682,"num_words":76,"start":714.89,"end":737.475},{"sentences":[{"text":"It's kind of overshot so high that it's become a huge portion of your overall portfolio.","start":738.70996,"end":743.45,"sentiment":"neutral","sentiment_score":0.19000046560540795},{"text":"So because of wanting to switch some of the options, selling the Benelong, trimming some off the gold, and putting it into the ones I wanted to get in, It's the timing to do that now, but all your contributions, they're still gonna be buying into it consistently.","start":744.07,"end":757.985,"sentiment":"neutral","sentiment_score":0.2590348832309246},{"text":"So I'm not reducing it or removing it or getting away from it.","start":758.365,"end":762.125,"sentiment":"neutral","sentiment_score":-0.02913861435193282},{"text":"I'm just doing a bit of an accounting trick.","start":762.125,"end":764.22504,"sentiment":"neutral","sentiment_score":0.030496149841282103},{"text":"Yeah.","start":772.86005,"end":773.10004,"sentiment":"neutral","sentiment_score":0.13669192790985107}],"sentiment":"neutral","sentiment_score":0.17823031189284105,"num_words":87,"start":738.70996,"end":773.10004},{"sentences":[{"text":"Exactly right.","start":773.10004,"end":773.82,"sentiment":"neutral","sentiment_score":0.23239702731370926},{"text":"And this type of rebalance, we call it, is basically just buying low to sell high and doing both at the same time.","start":773.82,"end":781.75494,"sentiment":"neutral","sentiment_score":0.14154396724441778},{"text":"So you trim some of the profit off to buy the dips, switch into what you want, and then it's just gonna be that consistent buy in from all your contributions.","start":781.75494,"end":790.25494,"sentiment":"neutral","sentiment_score":0.24734885894483136},{"text":"Yeah.","start":797.50995,"end":797.82996,"sentiment":"neutral","sentiment_score":0.013441924937069416},{"text":"Everyone's kind of jumping and almost hopping between different metals, and they're all kind of doing a similar pattern at the same time.","start":797.82996,"end":804.81,"sentiment":"neutral","sentiment_score":0.03364379955050738}],"sentiment":"neutral","sentiment_score":0.15219211553921924,"num_words":80,"start":773.10004,"end":804.81},{"sentences":[{"text":"Yep.","start":813.605,"end":814.005,"sentiment":"neutral","sentiment_score":0.2556164562702179},{"text":"Perfect.","start":814.005,"end":814.505,"sentiment":"positive","sentiment_score":0.3796677589416504},{"text":"On page sort of sixteen, seventeen, it just revisits, like, the asset allocation just showing you that we're going a little bit further away from the Aussie market, a little bit heavier into the international market, still keeping the gold there, and a little bit of defensive just to keep you guys within that high growth profile.","start":815.125,"end":832.99,"sentiment":"neutral","sentiment_score":0.13982303845777846},{"text":"Not going too risky with it, just keeping it consistent.","start":833.28503,"end":835.945,"sentiment":"neutral","sentiment_score":0.21224692538380624},{"text":"Cool.","start":837.525,"end":838.025,"sentiment":"neutral","sentiment_score":0.12738358974456787}],"sentiment":"neutral","sentiment_score":0.1550721464412553,"num_words":70,"start":813.605,"end":838.025},{"sentences":[{"text":"The performance at the bottom there, the five year rolling average, going backwards, you're averaging in the current options about 12%.","start":838.645,"end":846.98505,"sentiment":"neutral","sentiment_score":0.16754496629749024},{"text":"We're bumping up to around thirteen, fourteen.","start":847.05,"end":849.07,"sentiment":"neutral","sentiment_score":0.222585991024971},{"text":"And, again, past performance isn't gonna tell us what's gonna happen going forward, but the options I've picked, they're the most consistent when the market does go up in all sectors.","start":849.61,"end":860.02997,"sentiment":"neutral","sentiment_score":0.10319958633232501},{"text":"K.","start":860.825,"end":861.325,"sentiment":"neutral","sentiment_score":0.0776660144329071},{"text":"There was some alternatives in here that I've considered where I wanted to switch Ben along out for another active fund, but the active funds, it's already outperformed the market going back five years.","start":861.945,"end":873.805,"sentiment":"neutral","sentiment_score":0.15602368883350315}],"sentiment":"neutral","sentiment_score":0.14530005149464023,"num_words":94,"start":838.645,"end":873.805},{"sentences":[{"text":"They don't normally do it for ten years straight, if that makes sense.","start":874.19,"end":877.73,"sentiment":"neutral","sentiment_score":0.05896738802011196},{"text":"So it tends to come in like these these phases and waves where the active funds have done fantastic for five years.","start":879.23,"end":885.89,"sentiment":"neutral","sentiment_score":0.3118048838593743},{"text":"If I put you in that now and it underperforms the market, it's gonna lag you like the Benelong was doing.","start":886.02997,"end":892.095,"sentiment":"neutral","sentiment_score":-0.02766079171782448},{"text":"Not to the same degree.","start":893.595,"end":894.815,"sentiment":"neutral","sentiment_score":-0.033918974548578264},{"text":"It's fantastic options we've got in the back pocket, but, basically, I'm seeing that kind of passive index space doing the most consistent returns.","start":894.95496,"end":903.535,"sentiment":"neutral","sentiment_score":0.2223586868494749}],"sentiment":"neutral","sentiment_score":0.14367553499691627,"num_words":85,"start":874.19,"end":903.535},{"sentences":[{"text":"And once there's some options to swing into some of these other options, I'll revisit that in about two years' time.","start":903.81995,"end":909.44,"sentiment":"neutral","sentiment_score":0.06433316142786116},{"text":"Cool.","start":911.5,"end":912.0,"sentiment":"positive","sentiment_score":0.35026806592941284},{"text":"And that's pretty much the main thing.","start":912.45996,"end":913.81995,"sentiment":"neutral","sentiment_score":0.2842025948422296},{"text":"I've just got in here performance figures, fee differences, and so on.","start":913.81995,"end":917.385,"sentiment":"neutral","sentiment_score":0.1536114209642013},{"text":"We factored in all the capital gains tax and just wanna check if you guys are are sort of happy with what we've come up with.","start":917.465,"end":923.645,"sentiment":"neutral","sentiment_score":0.19332713117966285}],"sentiment":"neutral","sentiment_score":0.15761977734405602,"num_words":67,"start":903.81995,"end":923.645},{"sentences":[{"text":"Yep.","start":932.68005,"end":933.18005,"sentiment":"neutral","sentiment_score":0.101907879114151},{"text":"The last thing I want to mention on the super portfolio is we've kind of pulled out that small allocation to property and gone more metals and stocks.","start":933.80005,"end":945.405,"sentiment":"neutral","sentiment_score":0.07993885582046849},{"text":"Now you know how in Australia, property is kind of king?","start":945.945,"end":949.405,"sentiment":"neutral","sentiment_score":0.07288895073262128},{"text":"That's not really the case when it comes to the ETFs and the managed funds is they don't seem to keep up with the usual residential market.","start":951.145,"end":960.07,"sentiment":"negative","sentiment_score":-0.4543342485472008},{"text":"So if you own 10 properties, not the China one, it is VanEck.","start":961.88995,"end":967.35,"sentiment":"neutral","sentiment_score":-0.00387042395483989}],"sentiment":"neutral","sentiment_score":-0.11469207402551547,"num_words":80,"start":932.68005,"end":967.35},{"sentences":[{"text":"VanEck.","start":968.20996,"end":968.52997,"sentiment":"neutral","sentiment_score":-0.0016526465769857168},{"text":"VanEck, whatever you wanna pronounce it, Australian property, MVA.","start":968.52997,"end":972.665,"sentiment":"neutral","sentiment_score":0.01602398945639531},{"text":"And what I find there is if you had 10 properties, especially residential ones, the the consistent growth in Australia for centuries has been incredible.","start":973.845,"end":982.185,"sentiment":"neutral","sentiment_score":0.0947277395427227},{"text":"But this market tracker, it seems to spread out so thin across the country that it doesn't really hit the same figures.","start":982.645,"end":990.02,"sentiment":"neutral","sentiment_score":-0.29448720677332446},{"text":"K?","start":992.0,"end":992.48004,"sentiment":"neutral","sentiment_score":-0.03606816381216049}],"sentiment":"neutral","sentiment_score":-0.06903499940908032,"num_words":58,"start":968.20996,"end":992.48004},{"sentences":[{"text":"So it's not that I we don't like property and as an asset class, but just the options that we can put you in are kind of limited, and they just they don't seem to ever perform as well as what everyone experiences in their day to day.","start":992.48004,"end":1006.055,"sentiment":"negative","sentiment_score":-0.36401311835894984},{"text":"Yeah.","start":1018.61,"end":1018.85004,"sentiment":"neutral","sentiment_score":-0.028569797053933144},{"text":"Yeah.","start":1018.85004,"end":1019.25,"sentiment":"neutral","sentiment_score":-0.05134723708033562},{"text":"It was the same thing with infrastructure.","start":1019.25,"end":1021.03,"sentiment":"neutral","sentiment_score":-0.08394690603017807},{"text":"Like, we had some years there where for some reason, the listed market was just tanking, but the valuation, all these office buildings, airports, energy factories was just going through the roof, but the the market was just tanking because people were selling out of it and just buying them unlisted privately.","start":1021.17,"end":1040.95,"sentiment":"neutral","sentiment_score":-0.15165253327443048}],"sentiment":"neutral","sentiment_score":-0.23877162190683937,"num_words":109,"start":992.48004,"end":1040.95},{"sentences":[{"text":"K?","start":1041.97,"end":1042.47,"sentiment":"neutral","sentiment_score":-0.03452363982796669},{"text":"So if I do ever find an option where it does track it pretty well, probably swing it back in, but it's at the moment, it's just kinda lagging behind when it shouldn't be.","start":1042.61,"end":1051.515,"sentiment":"neutral","sentiment_score":-0.17775104151052587},{"text":"Yeah.","start":1060.3151,"end":1060.715,"sentiment":"neutral","sentiment_score":0.056359972804784775},{"text":"Have you got any thoughts on which way it might go?","start":1060.715,"end":1062.955,"sentiment":"neutral","sentiment_score":0.010636509480801496},{"text":"Or yeah.","start":1062.955,"end":1071.39,"sentiment":"neutral","sentiment_score":-0.1458209529519081}],"sentiment":"neutral","sentiment_score":-0.12645590571420534,"num_words":49,"start":1041.97,"end":1071.39},{"sentences":[{"text":"Yeah.","start":1088.015,"end":1088.515,"sentiment":"neutral","sentiment_score":-0.2381953001022339},{"text":"Yeah.","start":1089.0599,"end":1089.5599,"sentiment":"neutral","sentiment_score":-0.15756285190582275},{"text":"Yeah.","start":1097.0599,"end":1097.5599,"sentiment":"neutral","sentiment_score":-0.07877802103757858},{"text":"Yeah.","start":1106.4349,"end":1106.9349,"sentiment":"neutral","sentiment_score":-0.0716448724269867},{"text":"It's been a really weird kind of ride because I've been so heavily watching this since about 2012 or even o nine when I was coming out of high school watching the GFC.","start":1107.235,"end":1116.66,"sentiment":"neutral","sentiment_score":-0.23410668562759052}],"sentiment":"neutral","sentiment_score":-0.2235595046265705,"num_words":37,"start":1088.015,"end":1116.66},{"sentences":[{"text":"And when COVID hit people popping states, we had Victoria, New South Wales going to Queensland, which kept us flat because the influx of people selling a million dollar unit to go into a $600,000 house.","start":1117.1201,"end":1131.005,"sentiment":"negative","sentiment_score":-0.3546255777279536},{"text":"And the moment it became unaffordable with interest rates skyrocketing and all this kind of thing, then they opened the floodgates to all the foreign investment to come in and pick it up, and that kept it going again.","start":1132.1051,"end":1143.885,"sentiment":"negative","sentiment_score":-0.36076491669966626},{"text":"What I tend to see happen if you go historical is there's always some sort of legislation or government policy that just hits a trigger point that causes a complete swing.","start":1144.76,"end":1156.5399,"sentiment":"neutral","sentiment_score":-0.24744542423755891},{"text":"And that's the only thing that happens is the market does its thing over time.","start":1157.405,"end":1160.625,"sentiment":"neutral","sentiment_score":-0.23900271356105804},{"text":"It bounces out, and then someone changes the law, and all of a sudden, there's a panic.","start":1160.765,"end":1165.585,"sentiment":"neutral","sentiment_score":-0.3168204006026773}],"sentiment":"neutral","sentiment_score":-0.31505904503274657,"num_words":138,"start":1117.1201,"end":1165.585},{"sentences":[{"text":"And even if it's just gonna even out in the long term, the panic's usually what causes crashes.","start":1165.725,"end":1170.145,"sentiment":"negative","sentiment_score":-0.38032681743303937},{"text":"And then you've got the unaffordability for all the first time buyers who bought a huge amount of debt the last couple of years, and everyone was trying to get into their first home and they got it, but it's barely affordable.","start":1172.79,"end":1184.41,"sentiment":"negative","sentiment_score":-0.4639959526913507},{"text":"They're probably looking at selling too and then the investors.","start":1185.315,"end":1188.2949,"sentiment":"neutral","sentiment_score":-0.2453877419233322},{"text":"So it's it's all these things compounding.","start":1188.355,"end":1190.115,"sentiment":"neutral","sentiment_score":-0.23057846937860763},{"text":"It's just really hard to time, though.","start":1190.115,"end":1191.975,"sentiment":"negative","sentiment_score":-0.3611442233834948}],"sentiment":"negative","sentiment_score":-0.3920196308976128,"num_words":84,"start":1165.725,"end":1191.975},{"sentences":[{"text":"So at the moment, just with uncertainty, I would kind of again, I'm I'm really glad that you guys have actually sold the property in Sydney because with the uncertainty, it's better just to kind of watch it for a little while and see how it's starting to play out and then take some opportunities after that.","start":1195.395,"end":1210.965,"sentiment":"neutral","sentiment_score":0.1937343217432499},{"text":"Yeah.","start":1219.525,"end":1220.025,"sentiment":"neutral","sentiment_score":-0.07697631418704987},{"text":"Exactly.","start":1227.62,"end":1228.02,"sentiment":"neutral","sentiment_score":-0.008193980902433395},{"text":"Right.","start":1228.02,"end":1228.52,"sentiment":"neutral","sentiment_score":0.03669140860438347},{"text":"And, Laurel, that's one of the things I wanted to ask you today as well is because we're kind of gearing up for a few of these ideas, and I wanted to just get your thoughts to make sure you both are on the same page, which is you both kind of seem like you you wanna avoid getting direct investment properties going forward, more so pay off the debts that you've got, have some financial security, maybe do a bit of investing that's a bit more traditional.","start":1228.58,"end":1253.38,"sentiment":"neutral","sentiment_score":0.05336885196580128}],"sentiment":"neutral","sentiment_score":0.1060191650396666,"num_words":148,"start":1195.395,"end":1253.38},{"sentences":[{"text":"How have you been finding all of this the last six months and and your thoughts going forward?","start":1254.24,"end":1258.42,"sentiment":"neutral","sentiment_score":0.0792400874197483},{"text":"Yep.","start":1269.6951,"end":1270.1951,"sentiment":"neutral","sentiment_score":-0.04277850687503815},{"text":"Yeah.","start":1279.23,"end":1279.73,"sentiment":"neutral","sentiment_score":0.06332025676965714},{"text":"Yep.","start":1294.765,"end":1295.265,"sentiment":"neutral","sentiment_score":0.21862444281578064},{"text":"And especially given the surge that you're expecting for Blake's income, it would be nice to, again, use that to even just build up something in an offset account.","start":1301.5,"end":1310.2999,"sentiment":"positive","sentiment_score":0.40130271068934736}],"sentiment":"neutral","sentiment_score":0.26606532752513884,"num_words":50,"start":1254.24,"end":1310.2999},{"sentences":[{"text":"So it's like you've paid off the property, but you still got access to it.","start":1310.2999,"end":1314.8949,"sentiment":"positive","sentiment_score":0.38888065417607626},{"text":"So that gives you flexibility as well.","start":1314.955,"end":1317.215,"sentiment":"positive","sentiment_score":0.43377052886145456},{"text":"Yeah.","start":1327.53,"end":1327.77,"sentiment":"neutral","sentiment_score":0.1612350046634674},{"text":"Exactly right.","start":1327.77,"end":1328.75,"sentiment":"neutral","sentiment_score":0.3144831955432892},{"text":"And one of the things I wanted to just kind of plant in your minds to talk about over the next three months, twelve months, is there's kind of two real big ways to get ahead financially.","start":1328.89,"end":1340.365,"sentiment":"positive","sentiment_score":0.3826418857316713}],"sentiment":"positive","sentiment_score":0.38415410778214854,"num_words":62,"start":1310.2999,"end":1340.365},{"sentences":[{"text":"Right?","start":1340.365,"end":1340.865,"sentiment":"neutral","sentiment_score":0.2859230637550354},{"text":"There's the loan route where people have some equity.","start":1341.165,"end":1345.505,"sentiment":"neutral","sentiment_score":0.23579328921106127},{"text":"They borrow and get an investment property, and they just start borrowing on borrowing on borrowing and accumulating lots of assets, whether it's property, commercial, shares, whatever it is.","start":1345.645,"end":1354.74,"sentiment":"neutral","sentiment_score":0.18166900271999425},{"text":"It's like a investment debt gain.","start":1354.98,"end":1357.5599,"sentiment":"neutral","sentiment_score":0.12200269661843777},{"text":"The flip side to that is it's actually okay if you find personally it suits you guys better to just have the house paid off and invest in some traditional portfolios that are, like, on a screen, on a platform.","start":1358.9,"end":1372.575,"sentiment":"positive","sentiment_score":0.3505198281258345}],"sentiment":"neutral","sentiment_score":0.2638738005915109,"num_words":85,"start":1340.365,"end":1372.575},{"sentences":[{"text":"You can pick and choose the options like your super, and it would just kind of grow nice and consistently.","start":1372.875,"end":1377.9349,"sentiment":"positive","sentiment_score":0.5614575564861297},{"text":"And you don't have to worry about managing the people side of things or property managers or lawyers because it's all just through fund managers off in the world, and you get to pick what you invest in.","start":1378.235,"end":1389.16,"sentiment":"neutral","sentiment_score":0.295784115399185},{"text":"Yeah.","start":1393.46,"end":1393.96,"sentiment":"neutral","sentiment_score":0.2102429121732712},{"text":"Yeah.","start":1403.115,"end":1403.615,"sentiment":"neutral","sentiment_score":-0.03546443209052086},{"text":"Yeah.","start":1407.21,"end":1407.71,"sentiment":"neutral","sentiment_score":0.032700151205062866}],"sentiment":"positive","sentiment_score":0.3717446909209744,"num_words":61,"start":1372.875,"end":1407.71},{"sentences":[{"text":"And that's that's the thing is there's two real options within that other option, like a sub options here, is let's say you just pump all the cash in, smash out the mortgage, and build up some investments on the side.","start":1429.545,"end":1442.92,"sentiment":"neutral","sentiment_score":0.17032567120906783},{"text":"You're obviously expecting your investment to get a higher return as a percentage than what the loan is.","start":1443.14,"end":1449.475,"sentiment":"neutral","sentiment_score":0.2082779904206594},{"text":"If the loan's 6%, you wanna be aiming eight, nine, 10, or above.","start":1449.475,"end":1453.095,"sentiment":"neutral","sentiment_score":0.10974528525884335},{"text":"K?","start":1453.955,"end":1454.355,"sentiment":"neutral","sentiment_score":0.1039017289876938},{"text":"So your wealth's gonna naturally grow quicker than the mortgage, and you could potentially swing it in there, pay it off, whatever it is.","start":1454.355,"end":1460.97,"sentiment":"neutral","sentiment_score":0.21458495066811642}],"sentiment":"neutral","sentiment_score":0.17951531546939278,"num_words":97,"start":1429.545,"end":1460.97},{"sentences":[{"text":"The flip side is you can essentially smash all of your cash into the mortgage and then borrow off of that a small amount.","start":1461.53,"end":1471.13,"sentiment":"neutral","sentiment_score":0.14728488136703768},{"text":"So you know when you get an investment property and you get this little deposit, $50, and you buy something that's 800,000, and you've got this $750,000 loan.","start":1471.13,"end":1480.735,"sentiment":"neutral","sentiment_score":0.16850533575883933},{"text":"Like, you've leveraged up so much on $50.","start":1480.735,"end":1483.715,"sentiment":"neutral","sentiment_score":0.1302563175559044},{"text":"The flip side is you take $50 of equity from the house, and you put that into $50 worth of investments.","start":1485.135,"end":1491.77,"sentiment":"neutral","sentiment_score":0.12938963692812694},{"text":"And it's a kind of one to one leverage, not like eight times.","start":1492.63,"end":1496.01,"sentiment":"neutral","sentiment_score":0.10750881897715422}],"sentiment":"neutral","sentiment_score":0.14265780975209905,"num_words":94,"start":1461.53,"end":1496.01},{"sentences":[{"text":"Did you put it back?","start":1496.47,"end":1497.61,"sentiment":"neutral","sentiment_score":0.09114642590284347},{"text":"Or 16 times.","start":1497.91,"end":1499.19,"sentiment":"neutral","sentiment_score":0.10116470853487651},{"text":"So that's a way to get good debt and accelerate paying off the mortgage and growing wealth quicker without stacking on loads of loans that you're gonna take a decade or two to pay off and also avoid the headache of the property side of things.","start":1499.19,"end":1513.4451,"sentiment":"positive","sentiment_score":0.34059767846180045},{"text":"So it's a little bit of like debt recycling.","start":1513.505,"end":1515.605,"sentiment":"neutral","sentiment_score":0.24913531210687426},{"text":"Yeah.","start":1543.01,"end":1543.51,"sentiment":"neutral","sentiment_score":0.002899864688515663}],"sentiment":"neutral","sentiment_score":0.2917474552814383,"num_words":64,"start":1496.47,"end":1543.51},{"sentences":[{"text":"Yep.","start":1549.3301,"end":1549.7301,"sentiment":"neutral","sentiment_score":0.08767570555210114},{"text":"Exactly right.","start":1549.7301,"end":1550.6901,"sentiment":"neutral","sentiment_score":0.1775660216808319},{"text":"And that's something similar that I I kind of do personally as well is I use the first couple of properties to start getting that that equity to do into that type of strategy, but I'm never interested in getting a dozen properties to try and manage or even.","start":1550.6901,"end":1565.5851,"sentiment":"neutral","sentiment_score":-0.03956089875831896},{"text":"Yeah.","start":1572.69,"end":1573.19,"sentiment":"neutral","sentiment_score":0.041868001222610474},{"text":"Something with an on-site manager that's, like, consistently managed.","start":1573.8099,"end":1577.75,"sentiment":"neutral","sentiment_score":0.0033780903451972547}],"sentiment":"neutral","sentiment_score":-0.022958152837330294,"num_words":62,"start":1549.3301,"end":1577.75},{"sentences":[{"text":"Yeah.","start":1584.7849,"end":1585.2849,"sentiment":"neutral","sentiment_score":0.0027619414031505585},{"text":"Yeah.","start":1589.985,"end":1590.385,"sentiment":"neutral","sentiment_score":0.060313351452350616},{"text":"Yep.","start":1590.385,"end":1590.885,"sentiment":"neutral","sentiment_score":0.05119851231575012},{"text":"So that's one of the things too is if we have to have considerations for helping the kids out over time as well, because I don't wanna lock you into a path where you guys have to dedicate the next ten, twenty years to something for yourselves without having any flexibility to assist them either.","start":1591.0249,"end":1608.965,"sentiment":"neutral","sentiment_score":-0.029872674291784113},{"text":"So one of the things that what I'm kind of envisioning, and we'll confirm it when we speak because, obviously, we have to rediscuss the options, is the world's crazy for this year.","start":1610.465,"end":1621.47,"sentiment":"neutral","sentiment_score":0.032233821961915855}],"sentiment":"neutral","sentiment_score":-0.005109968748721448,"num_words":91,"start":1584.7849,"end":1621.47},{"sentences":[{"text":"It's it's almost a write off.","start":1621.53,"end":1623.3099,"sentiment":"neutral","sentiment_score":-0.2496571665008863},{"text":"Yeah.","start":1628.73,"end":1629.23,"sentiment":"neutral","sentiment_score":-0.07909850031137466},{"text":"Exactly.","start":1631.69,"end":1632.19,"sentiment":"neutral","sentiment_score":0.08611389249563217},{"text":"So by the time you guys move into the property and settle into things, we're gonna be looking at, like, the you know, a little bit of contributions in the super, and we're talking second half of the year.","start":1632.885,"end":1642.005,"sentiment":"neutral","sentiment_score":0.09598817294224715},{"text":"It's only six months.","start":1642.005,"end":1643.385,"sentiment":"neutral","sentiment_score":0.003943465824704617}],"sentiment":"neutral","sentiment_score":0.04447813727892935,"num_words":51,"start":1621.53,"end":1643.385},{"sentences":[{"text":"What I would do is rather than going full ham into a debt recycling strategy and go through all the advanced things, is let's just do a dip the toe in the water, maybe set you up with this little account where we put a small amount in and a small consistent amount to invest and see how it plays out through the markets compared to your super but with a different portfolio.","start":1644.005,"end":1668.375,"sentiment":"neutral","sentiment_score":0.16273114881286882},{"text":"So instead of going high growth with it and high risk, we'll do something a little bit more middle and see how that goes, see how it behaves, and then we can revisit it at the end of the year and say, okay.","start":1669.1549,"end":1680.6499,"sentiment":"neutral","sentiment_score":0.1601068222418774},{"text":"You've got your policy anniversary for your insurances.","start":1680.6499,"end":1683.07,"sentiment":"neutral","sentiment_score":0.17259673029184341},{"text":"We'll chat about them.","start":1683.13,"end":1684.2699,"sentiment":"neutral","sentiment_score":0.168297428637743},{"text":"We'll see how your super compared to your investment and decide whether you wanna go a little bit more faster on the gas or slow it down, whatever it is.","start":1684.8099,"end":1692.925,"sentiment":"neutral","sentiment_score":0.17704393540819485}],"sentiment":"neutral","sentiment_score":0.16537499265108682,"num_words":158,"start":1644.005,"end":1692.925},{"sentences":[{"text":"By then, we'll have a bit more of an idea about what's happening in the world and where the opportunities are.","start":1694.105,"end":1699.145,"sentiment":"neutral","sentiment_score":0.18144292490822927},{"text":"Then in the year after, we can decide whether we're gonna okay.","start":1699.145,"end":1702.505,"sentiment":"neutral","sentiment_score":0.16462619230151176},{"text":"You've put all this cash into this property.","start":1702.505,"end":1704.9199,"sentiment":"neutral","sentiment_score":0.2592907231301069},{"text":"Now we'll use some of it to do maybe some debt recycling.","start":1705.62,"end":1708.1,"sentiment":"neutral","sentiment_score":0.21767438327272734},{"text":"So just take it in two steps.","start":1708.1,"end":1709.7999,"sentiment":"neutral","sentiment_score":0.17561299247401102}],"sentiment":"neutral","sentiment_score":0.19502541770537693,"num_words":60,"start":1694.105,"end":1709.7999},{"sentences":[{"text":"Yep.","start":1719.315,"end":1719.715,"sentiment":"neutral","sentiment_score":0.07597305625677109},{"text":"So just to give you an indication, the accounts that you use, there's some very basic ones, and there's some of your advanced ones like your hub 20 fours.","start":1719.715,"end":1728.535,"sentiment":"neutral","sentiment_score":0.04350066782328589},{"text":"There's minimums.","start":1729.5,"end":1730.3201,"sentiment":"neutral","sentiment_score":0.024551733396947384},{"text":"So generally speaking, you might want $10 as a minimum or something like that because you've got to keep a couple of grand in cash and you wanted to actually do something.","start":1730.4601,"end":1739.12,"sentiment":"neutral","sentiment_score":0.03930791956372559},{"text":"So these types of figures we'll talk about in our next catch up as well.","start":1739.42,"end":1744.355,"sentiment":"neutral","sentiment_score":0.05601654673616092}],"sentiment":"neutral","sentiment_score":0.0441100951519948,"num_words":79,"start":1719.315,"end":1744.355},{"sentences":[{"text":"And then just get an account open, make sure the contributions are optimized, make sure you've got a plan for the property, and what you're gonna do with your cash flow, because, obviously, you need to settle into your cash flow and your budget.","start":1744.495,"end":1754.835,"sentiment":"neutral","sentiment_score":0.13102189028127628},{"text":"And then we'll let that go for six months, revisit it after that.","start":1756.08,"end":1759.54,"sentiment":"neutral","sentiment_score":0.08446798645533048},{"text":"Cool.","start":1761.84,"end":1762.34,"sentiment":"positive","sentiment_score":0.5160458087921143},{"text":"Yes.","start":1772.335,"end":1772.735,"sentiment":"neutral","sentiment_score":0.010124674998223782},{"text":"I did, actually.","start":1772.735,"end":1773.795,"sentiment":"neutral","sentiment_score":0.0026673447961608567}],"sentiment":"neutral","sentiment_score":0.11930999216893988,"num_words":62,"start":1744.495,"end":1773.795},{"sentences":[{"text":"I do apologize.","start":1773.855,"end":1774.755,"sentiment":"neutral","sentiment_score":-0.08300089587767918},{"text":"I've flicked that over to, Sevi, and we were having a chat about it this week.","start":1775.295,"end":1780.08,"sentiment":"neutral","sentiment_score":-0.008348306233529001},{"text":"And, he's fallen ill at the moment.","start":1780.24,"end":1782.48,"sentiment":"neutral","sentiment_score":-0.23481373808213643},{"text":"He's got gastro.","start":1782.48,"end":1783.46,"sentiment":"neutral","sentiment_score":-0.22209137678146362},{"text":"So yeah.","start":1783.84,"end":1786.26,"sentiment":"neutral","sentiment_score":-0.16424378752708435}],"sentiment":"neutral","sentiment_score":-0.09745269223687149,"num_words":31,"start":1773.855,"end":1786.26},{"sentences":[{"text":"So I am intending to pretty much catch up with him, like, Monday, Tuesday, and then flick it back a bit of an email.","start":1788.3999,"end":1794.3999,"sentiment":"neutral","sentiment_score":0.014212970156222582},{"text":"I do apologize for that.","start":1794.3999,"end":1795.785,"sentiment":"neutral","sentiment_score":-0.1286042720079422},{"text":"Okay.","start":1805.4651,"end":1805.9651,"sentiment":"neutral","sentiment_score":0.03692079335451126},{"text":"Yeah.","start":1831.1749,"end":1831.6549,"sentiment":"neutral","sentiment_score":0.10761577636003494},{"text":"Yeah.","start":1831.6549,"end":1831.975,"sentiment":"neutral","sentiment_score":0.12887915968894958}],"sentiment":"neutral","sentiment_score":-0.0008904483402147889,"num_words":32,"start":1788.3999,"end":1831.975},{"sentences":[{"text":"Absolutely.","start":1831.975,"end":1832.475,"sentiment":"neutral","sentiment_score":0.2172907292842865},{"text":"And one of the things that I'm just careful with is there's a lot of bias in the industry, and I can talk to half the industry who say no better leases are the best thing, and the other half goes stay away from them in all cases.","start":1832.9299,"end":1845.11,"sentiment":"neutral","sentiment_score":-0.13388826178076366},{"text":"And there is a bit of truth in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision.","start":1845.5651,"end":1851.905,"sentiment":"neutral","sentiment_score":0.09158508299539486},{"text":"Yeah.","start":1864.06,"end":1864.56,"sentiment":"neutral","sentiment_score":-0.10907676815986632},{"text":"Yeah.","start":1877.9951,"end":1878.3151,"sentiment":"neutral","sentiment_score":0.11584103107452393}],"sentiment":"neutral","sentiment_score":-0.042654680042171184,"num_words":81,"start":1831.975,"end":1878.3151},{"sentences":[{"text":"Absolutely.","start":1878.3151,"end":1878.8151,"sentiment":"neutral","sentiment_score":0.1785060465335846},{"text":"So I'll try and get you some information on that next week, hopefully.","start":1879.515,"end":1882.3351,"sentiment":"neutral","sentiment_score":0.19947398855135992},{"text":"And, again, if it's a quarter two thing, we'll we'll have it more of a catch when you come in as well.","start":1882.8,"end":1887.8601,"sentiment":"neutral","sentiment_score":0.11974660374901512},{"text":"Yeah.","start":1898.4149,"end":1898.9149,"sentiment":"neutral","sentiment_score":0.021502630785107613},{"text":"And it's one of those ones where I what savvy normally does in these cases is because they're all different agreements is we do a bit of a calculation, almost like a little bit of a paper based projection, if you will.","start":1907.15,"end":1920.2899,"sentiment":"neutral","sentiment_score":0.059346264494316917}],"sentiment":"neutral","sentiment_score":0.1002549230345065,"num_words":79,"start":1878.3151,"end":1920.2899},{"sentences":[{"text":"And we'll just kinda see what that looks like, short term, long term, pros and cons, and give you some ideas.","start":1920.35,"end":1926.695,"sentiment":"neutral","sentiment_score":0.05398621374652499},{"text":"Cool.","start":1929.635,"end":1929.875,"sentiment":"positive","sentiment_score":0.6130329966545105},{"text":"Cool.","start":1929.875,"end":1930.375,"sentiment":"positive","sentiment_score":0.3818659782409668},{"text":"Do you guys have any questions on the statement of advice that I've sent you for this morning just before I let you go?","start":1930.595,"end":1936.775,"sentiment":"neutral","sentiment_score":0.06463187901924054},{"text":"Yep.","start":1945.51,"end":1946.01,"sentiment":"neutral","sentiment_score":0.06976750493049622}],"sentiment":"neutral","sentiment_score":0.07811545968676607,"num_words":48,"start":1920.35,"end":1946.01},{"sentences":[{"text":"Yep.","start":1948.3899,"end":1948.63,"sentiment":"neutral","sentiment_score":0.07291124761104584},{"text":"And there's one thing that just a bit of a, like, gentle reminder is because we use the fanciest platforms you can find, it makes things a little bit more complex because you've got more control over it.","start":1948.63,"end":1958.995,"sentiment":"neutral","sentiment_score":-0.0030495185760389034},{"text":"Any other traditional superfund, it that doesn't even enter the conversation because it's not even an option.","start":1959.135,"end":1964.435,"sentiment":"neutral","sentiment_score":-0.10532952757442698},{"text":"Yeah.","start":1974.62,"end":1975.12,"sentiment":"neutral","sentiment_score":0.04437089338898659},{"text":"Yep.","start":1984.715,"end":1985.215,"sentiment":"neutral","sentiment_score":-0.012855565175414084}],"sentiment":"neutral","sentiment_score":-0.031069949979829634,"num_words":58,"start":1948.3899,"end":1985.215},{"sentences":[{"text":"Yeah.","start":1993.13,"end":1993.45,"sentiment":"neutral","sentiment_score":0.08468367159366608},{"text":"Exactly right.","start":1993.45,"end":1994.01,"sentiment":"neutral","sentiment_score":0.12888281792402267},{"text":"And, look, to be honest, you guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy.","start":1994.01,"end":2003.305,"sentiment":"neutral","sentiment_score":0.16392869347085556},{"text":"But if you ever have questions or concerns or anything like that, like, it does take years to get into it, and we'll just chip away at it.","start":2003.925,"end":2010.805,"sentiment":"neutral","sentiment_score":-0.010397966751562697},{"text":"And before you know it, you'll be telling your kids one day all these things yourself, and they will be much better off for Yeah.","start":2010.805,"end":2034.1649,"sentiment":"neutral","sentiment_score":0.23573796406388284}],"sentiment":"neutral","sentiment_score":0.1287629163581068,"num_words":92,"start":1993.13,"end":2034.1649},{"sentences":[{"text":"Yeah.","start":2041.04,"end":2041.28,"sentiment":"neutral","sentiment_score":0.1830507516860962},{"text":"And it's a good time to do it too given ages and so on.","start":2041.28,"end":2044.82,"sentiment":"neutral","sentiment_score":0.23537182781313146},{"text":"I think you guys are setting yourselves up very well for both you guys and the kids as well.","start":2045.04,"end":2051.38,"sentiment":"positive","sentiment_score":0.47679536750442103},{"text":"They'll be very appreciative of it, I'm assuming.","start":2051.44,"end":2053.6199,"sentiment":"positive","sentiment_score":0.7357823103666306},{"text":"I'm hoping.","start":2053.68,"end":2054.34,"sentiment":"positive","sentiment_score":0.4400513619184494}],"sentiment":"positive","sentiment_score":0.43872112569145183,"num_words":44,"start":2041.04,"end":2054.34},{"sentences":[{"text":"But even not, they'll benefit from it.","start":2054.56,"end":2058.005,"sentiment":"positive","sentiment_score":0.42584727917398724},{"text":"Cool.","start":2059.665,"end":2060.145,"sentiment":"positive","sentiment_score":0.5092432498931885},{"text":"Are there any other updates you guys can think of?","start":2060.145,"end":2062.785,"sentiment":"neutral","sentiment_score":0.15818519294261932},{"text":"Any any changes on the way except for the the work and property side of things?","start":2062.785,"end":2067.845,"sentiment":"neutral","sentiment_score":0.06779640773311257},{"text":"You're thinking salary packaging?","start":2090.1948,"end":2091.895,"sentiment":"neutral","sentiment_score":-0.01201117702294141}],"sentiment":"neutral","sentiment_score":0.16075589339935073,"num_words":38,"start":2054.56,"end":2091.895},{"sentences":[{"text":"Uh-huh.","start":2092.23,"end":2092.73,"sentiment":"neutral","sentiment_score":-0.022204512730240825},{"text":"Yep.","start":2098.2375,"end":2098.7375,"sentiment":"neutral","sentiment_score":0.059266023337841034},{"text":"Yeah.","start":2129.4749,"end":2129.795,"sentiment":"neutral","sentiment_score":0.31980013847351074},{"text":"Cool.","start":2129.795,"end":2130.1948,"sentiment":"positive","sentiment_score":0.4984736442565918},{"text":"I mean, anything anywhere where you can use pretax dollars is a good setup because, obviously, using gross income before it gets taxed and then getting taxed on the rest is fantastic.","start":2130.1948,"end":2142.135,"sentiment":"positive","sentiment_score":0.5702001610770822}],"sentiment":"positive","sentiment_score":0.5306039013278981,"num_words":36,"start":2092.23,"end":2142.135},{"sentences":[{"text":"It's like your super contributions, which is good.","start":2142.1948,"end":2144.63,"sentiment":"positive","sentiment_score":0.756011888384819},{"text":"And the question always becomes, because there's so many different things that you can do that for depending on the employer, are you actually gonna get the benefit out of it and actually use it?","start":2144.8499,"end":2153.3499,"sentiment":"neutral","sentiment_score":0.09133237398096493},{"text":"Because everyone looks for, like, tax deductions, but then you go, okay.","start":2153.49,"end":2158.465,"sentiment":"neutral","sentiment_score":0.049106440817316376},{"text":"Am I actually utilizing it, or am I just paying extra for something?","start":2158.465,"end":2162.0051,"sentiment":"neutral","sentiment_score":0.019208759929125126},{"text":"Yeah.","start":2167.76,"end":2168.26,"sentiment":"neutral","sentiment_score":0.06766671687364578}],"sentiment":"neutral","sentiment_score":0.14712153742278833,"num_words":69,"start":2142.1948,"end":2168.26},{"sentences":[{"text":"Yeah.","start":2178.32,"end":2178.64,"sentiment":"neutral","sentiment_score":0.06718304008245468},{"text":"Cool.","start":2178.64,"end":2178.96,"sentiment":"neutral","sentiment_score":0.12654173374176023},{"text":"I mean, flick through the the Qantas club stuff, and I'll have a look at that.","start":2178.96,"end":2181.915,"sentiment":"neutral","sentiment_score":0.08591170376166701},{"text":"And then in the same email, I'll kind of respond to that in the novett at least.","start":2181.915,"end":2186.095,"sentiment":"neutral","sentiment_score":0.08456551699953921},{"text":"Yeah.","start":2200.49,"end":2200.97,"sentiment":"neutral","sentiment_score":0.014204142615199087}],"sentiment":"neutral","sentiment_score":0.08389249904495147,"num_words":36,"start":2178.32,"end":2200.97},{"sentences":[{"text":"Yep.","start":2200.97,"end":2201.47,"sentiment":"neutral","sentiment_score":-0.003961640875786543},{"text":"Yep.","start":2211.705,"end":2212.205,"sentiment":"neutral","sentiment_score":0.13382619619369507},{"text":"Yep.","start":2214.5852,"end":2214.905,"sentiment":"neutral","sentiment_score":0.19146321713924408},{"text":"Cool.","start":2214.905,"end":2215.225,"sentiment":"neutral","sentiment_score":0.2789047956466675},{"text":"Yeah.","start":2215.225,"end":2215.385,"sentiment":"neutral","sentiment_score":0.1645958125591278}],"sentiment":"neutral","sentiment_score":0.15296567613258957,"num_words":5,"start":2200.97,"end":2215.385},{"sentences":[{"text":"I'll just drop the email.","start":2215.385,"end":2216.6052,"sentiment":"neutral","sentiment_score":0.10899021476507187},{"text":"Yeah.","start":2224.68,"end":2225.08,"sentiment":"neutral","sentiment_score":0.1344038099050522},{"text":"Absolutely.","start":2225.08,"end":2225.58,"sentiment":"neutral","sentiment_score":0.2704627811908722},{"text":"Again, with this sort of thing, it looks like it's a yearly payment.","start":2226.36,"end":2231.1,"sentiment":"neutral","sentiment_score":0.10282489485465564},{"text":"So, again, just factor in things like lump sums and not having those dollars for the year.","start":2231.565,"end":2236.2048,"sentiment":"neutral","sentiment_score":0.0773426609880784}],"sentiment":"neutral","sentiment_score":0.09733423067105783,"num_words":37,"start":2215.385,"end":2236.2048},{"sentences":[{"text":"Yes.","start":2236.2048,"end":2236.605,"sentiment":"neutral","sentiment_score":0.15436643362045288},{"text":"Pretax.","start":2236.605,"end":2237.105,"sentiment":"neutral","sentiment_score":0.2927153706550598},{"text":"That's good.","start":2237.165,"end":2237.905,"sentiment":"positive","sentiment_score":0.5716494023799896},{"text":"Salary sacrifice, ma'am.","start":2238.2048,"end":2239.325,"sentiment":"neutral","sentiment_score":0.30771946907043457},{"text":"Yeah.","start":2239.325,"end":2239.565,"sentiment":"neutral","sentiment_score":0.31389716267585754}],"sentiment":"positive","sentiment_score":0.35342952236533165,"num_words":8,"start":2236.2048,"end":2239.565},{"sentences":[{"text":"I'll have a little look and and let you guys know.","start":2239.565,"end":2241.165,"sentiment":"neutral","sentiment_score":0.30206270109523425},{"text":"That's pretty fun.","start":2241.165,"end":2242.2249,"sentiment":"positive","sentiment_score":0.6698813438415527},{"text":"Awesome.","start":2244.78,"end":2245.1802,"sentiment":"positive","sentiment_score":0.6874019503593445},{"text":"Awesome.","start":2245.1802,"end":2245.6602,"sentiment":"positive","sentiment_score":0.6157991290092468},{"text":"Anything else I can help you guys with?","start":2245.6602,"end":2247.6,"sentiment":"positive","sentiment_score":0.34076156094670296}],"sentiment":"positive","sentiment_score":0.39006780460476875,"num_words":24,"start":2239.565,"end":2247.6},{"sentences":[{"text":"Yeah.","start":2269.05,"end":2269.29,"sentiment":"neutral","sentiment_score":0.04596320539712906},{"text":"Yeah.","start":2269.29,"end":2269.79,"sentiment":"neutral","sentiment_score":0.0807788074016571},{"text":"Yeah.","start":2292.76,"end":2293.26,"sentiment":"neutral","sentiment_score":0.13345420360565186},{"text":"Okay.","start":2293.3198,"end":2293.8198,"sentiment":"neutral","sentiment_score":0.1388615369796753},{"text":"Yeah.","start":2305.095,"end":2305.415,"sentiment":"positive","sentiment_score":0.3370724320411682}],"sentiment":"neutral","sentiment_score":0.1472260370850563,"num_words":5,"start":2269.05,"end":2305.415},{"sentences":[{"text":"Absolutely.","start":2305.415,"end":2305.915,"sentiment":"positive","sentiment_score":0.4771463871002197},{"text":"It's one of the things too.","start":2306.695,"end":2307.735,"sentiment":"neutral","sentiment_score":0.3085238089164098},{"text":"Anytime you earn, you get taxed, so that's because you've you've grown something, and that's always a positive.","start":2307.735,"end":2313.5151,"sentiment":"positive","sentiment_score":0.37090980427132714},{"text":"Okay.","start":2319.43,"end":2319.93,"sentiment":"neutral","sentiment_score":0.07865434139966965},{"text":"Alright.","start":2320.95,"end":2321.43,"sentiment":"neutral","sentiment_score":0.10339131206274033}],"sentiment":"positive","sentiment_score":0.3402485692942584,"num_words":27,"start":2305.415,"end":2321.43},{"sentences":[{"text":"That's interesting.","start":2321.43,"end":2322.17,"sentiment":"neutral","sentiment_score":0.14349690079689026},{"text":"I'll have a little look at the old KuDOS account too.","start":2322.3098,"end":2324.97,"sentiment":"neutral","sentiment_score":0.07419952716339719},{"text":"Alright.","start":2325.27,"end":2325.5898,"sentiment":"neutral","sentiment_score":0.11518599838018416},{"text":"So we've got the the Conners Club, the Nevada lease.","start":2325.5898,"end":2329.77,"sentiment":"neutral","sentiment_score":0.1466905027627945},{"text":"You've got the funds going into the Qudos account just to get a bit of interest out of that.","start":2330.135,"end":2335.1948,"sentiment":"neutral","sentiment_score":0.19398224040081627}],"sentiment":"neutral","sentiment_score":0.14816144637243692,"num_words":43,"start":2321.43,"end":2335.1948},{"sentences":[{"text":"Perfect.","start":2339.815,"end":2340.295,"sentiment":"neutral","sentiment_score":0.22507885098457336},{"text":"Perfect.","start":2340.295,"end":2340.795,"sentiment":"neutral","sentiment_score":0.06837484240531921},{"text":"That'll be my favorite thing is to set you up a nice little pension account and then send you guys on your way.","start":2351.9102,"end":2357.3052,"sentiment":"positive","sentiment_score":0.3527817460505859},{"text":"And then our conversations will chat between not what to invest in.","start":2357.3052,"end":2361.0652,"sentiment":"neutral","sentiment_score":0.062345264169077076},{"text":"It'll be like, you guys are pulling too much money out because you're having too much fun.","start":2361.0652,"end":2365.165,"sentiment":"neutral","sentiment_score":0.010572335299323589}],"sentiment":"neutral","sentiment_score":0.1728760504198295,"num_words":54,"start":2339.815,"end":2365.165},{"sentences":[{"text":"You're allowed to have four holidays this year, not seven.","start":2365.225,"end":2368.0251,"sentiment":"neutral","sentiment_score":0.09545227140188217},{"text":"And then you guys will have to plan those out, and then, you know, you pull out $30 for this, $40 for that, and it's it's all fun after that.","start":2368.0251,"end":2383.6702,"sentiment":"neutral","sentiment_score":0.13566796034574508},{"text":"Unless maybe this Qantas Club discounts on the business club.","start":2383.6702,"end":2387.9749,"sentiment":"neutral","sentiment_score":-0.065906220395118},{"text":"We'll have to see, but I'll have a look.","start":2390.275,"end":2392.135,"sentiment":"neutral","sentiment_score":-0.006827733375959926},{"text":"For that catch up, guys, I have some leave kind of coming up in June, which is horrible timing, especially in a financial year.","start":2392.6748,"end":2403.68,"sentiment":"neutral","sentiment_score":-0.13073904005189738}],"sentiment":"neutral","sentiment_score":0.01405196094952793,"num_words":83,"start":2365.225,"end":2403.68},{"sentences":[{"text":"I've got a third baby on the way.","start":2403.68,"end":2405.5999,"sentiment":"positive","sentiment_score":0.3377961367368698},{"text":"I've got a daughter coming in June.","start":2405.5999,"end":2407.46,"sentiment":"neutral","sentiment_score":0.23607565036841802},{"text":"Thanks.","start":2408.0,"end":2408.5,"sentiment":"positive","sentiment_score":0.6845706701278687},{"text":"So I wanna make sure you guys are well well and truly sorted before then.","start":2408.96,"end":2413.14,"sentiment":"positive","sentiment_score":0.5958528916041056},{"text":"Do you wanna do a catch up in April?","start":2414.505,"end":2416.585,"sentiment":"neutral","sentiment_score":0.14373020248280632}],"sentiment":"positive","sentiment_score":0.3817708628252149,"num_words":40,"start":2403.68,"end":2416.585},{"sentences":[{"text":"That way, I can do a plan for you guys in May, and then it's all good for when I go.","start":2416.585,"end":2421.4048,"sentiment":"positive","sentiment_score":0.33455214897791546},{"text":"That would be fantastic.","start":2433.16,"end":2434.3801,"sentiment":"positive","sentiment_score":0.7391747385263443},{"text":"If you're gonna have all that lined up beforehand, that gives us a bit more value out of that conversation.","start":2434.52,"end":2439.58,"sentiment":"neutral","sentiment_score":0.16100820824503898},{"text":"Yeah.","start":2448.625,"end":2449.105,"sentiment":"neutral","sentiment_score":0.10115745663642885},{"text":"Any type of statements, details, documents you can bring in for a face to face is always better.","start":2449.105,"end":2454.405,"sentiment":"neutral","sentiment_score":0.11074801451630062}],"sentiment":"neutral","sentiment_score":0.23901687446050346,"num_words":64,"start":2416.585,"end":2454.405},{"sentences":[{"text":"That way, I don't have to kinda go, okay.","start":2454.69,"end":2456.29,"sentiment":"neutral","sentiment_score":0.16821827739477158},{"text":"Oh, we don't have this.","start":2456.29,"end":2457.25,"sentiment":"neutral","sentiment_score":0.012714807689189912},{"text":"We'll have to search for emails or come back to you later.","start":2457.25,"end":2460.23,"sentiment":"neutral","sentiment_score":0.018931024009361863},{"text":"Yep.","start":2477.5852,"end":2478.0852,"sentiment":"neutral","sentiment_score":0.13428717851638794},{"text":"And I'm just kind of tagging a few things for advice wise for that discussion to talk about contributions, investment, budgeting, debt, and so on.","start":2478.145,"end":2487.54,"sentiment":"neutral","sentiment_score":0.15389619648456573}],"sentiment":"neutral","sentiment_score":0.1112769791104186,"num_words":52,"start":2454.69,"end":2487.54},{"sentences":[{"text":"Yeah.","start":2498.335,"end":2498.655,"sentiment":"neutral","sentiment_score":-0.09677156805992126},{"text":"Absolutely.","start":2498.655,"end":2499.155,"sentiment":"neutral","sentiment_score":-0.08576804399490356},{"text":"I'd be to see kind of how you guys have been rolling on the last couple of years and what your your your style of budgeting is.","start":2499.695,"end":2505.855,"sentiment":"neutral","sentiment_score":0.013426875212678203},{"text":"And if I can see anything that can help, I'll let you know.","start":2505.855,"end":2508.255,"sentiment":"neutral","sentiment_score":0.2424628230241629},{"text":"Absolutely.","start":2508.255,"end":2508.755,"sentiment":"neutral","sentiment_score":0.2859908640384674}],"sentiment":"neutral","sentiment_score":0.08413938562883887,"num_words":43,"start":2498.335,"end":2508.755},{"sentences":[{"text":"Cool.","start":2512.08,"end":2512.24,"sentiment":"positive","sentiment_score":0.4660050570964813},{"text":"Cool.","start":2512.24,"end":2512.74,"sentiment":"positive","sentiment_score":0.3659647703170776},{"text":"And I will just briefly, in the next catch up, just touch on the insurances just to make sure we don't have to jiggle anything around once it's all finalized.","start":2512.88,"end":2519.54,"sentiment":"neutral","sentiment_score":0.11194271016865968},{"text":"Yep.","start":2526.3352,"end":2526.8352,"sentiment":"neutral","sentiment_score":0.20256075263023376},{"text":"Easy done.","start":2526.895,"end":2527.7952,"sentiment":"positive","sentiment_score":0.36927200853824615}],"sentiment":"neutral","sentiment_score":0.14661016863371645,"num_words":35,"start":2512.08,"end":2527.7952},{"sentences":[{"text":"Do you guys want me to book in a day in April now while I've got you, or you want me to get the team?","start":2527.935,"end":2533.155,"sentiment":"neutral","sentiment_score":0.12980104029178618},{"text":"Cool.","start":2534.19,"end":2534.69,"sentiment":"neutral","sentiment_score":0.23190569877624512},{"text":"Alright.","start":2535.31,"end":2535.71,"sentiment":"neutral","sentiment_score":0.1795133799314499},{"text":"So we've got a few weeks still left of the month.","start":2535.71,"end":2538.19,"sentiment":"neutral","sentiment_score":0.15176669711416418},{"text":"That should be plenty of time.","start":2538.19,"end":2539.89,"sentiment":"neutral","sentiment_score":0.20629376669724783}],"sentiment":"neutral","sentiment_score":0.14917366714640098,"num_words":44,"start":2527.935,"end":2539.89},{"sentences":[{"text":"For a face to face, what would be your preferred sort of days and times?","start":2540.75,"end":2545.01,"sentiment":"neutral","sentiment_score":0.08115728795528412},{"text":"Yep.","start":2547.965,"end":2548.465,"sentiment":"neutral","sentiment_score":0.04086098074913025},{"text":"Cool.","start":2560.06,"end":2560.3801,"sentiment":"neutral","sentiment_score":0.09966064989566804},{"text":"Yeah.","start":2560.3801,"end":2560.8801,"sentiment":"neutral","sentiment_score":0.06467463821172714},{"text":"I'll try and do I think seventeenth would be good.","start":2561.1,"end":2563.9,"sentiment":"neutral","sentiment_score":0.1682414159178734}],"sentiment":"neutral","sentiment_score":0.11089177669159003,"num_words":28,"start":2540.75,"end":2563.9},{"sentences":[{"text":"That way, if there's any trouble, we can always reschedule it for a week ahead, and that still gives us a bit of a buffer for May to to get anything done as well.","start":2563.9,"end":2572.515,"sentiment":"neutral","sentiment_score":0.19789581964997685},{"text":"Should we do morning, like, nine or ten in the morning?","start":2574.355,"end":2577.4949,"sentiment":"neutral","sentiment_score":0.10544737563891844},{"text":"Or Perfect.","start":2577.555,"end":2585.99,"sentiment":"positive","sentiment_score":0.36617981642484665},{"text":"Bit of a morning date drop off and then into the finances for Friday.","start":2586.53,"end":2591.19,"sentiment":"neutral","sentiment_score":0.20410948299935885},{"text":"Alright.","start":2592.21,"end":2592.69,"sentiment":"neutral","sentiment_score":0.16186118125915527}],"sentiment":"neutral","sentiment_score":0.18774407381011593,"num_words":62,"start":2563.9,"end":2592.69},{"sentences":[{"text":"So I'll do face to face catch up.","start":2592.69,"end":2595.17,"sentiment":"neutral","sentiment_score":0.13636145275086164},{"text":"We'll do 10AM on Friday, April 17.","start":2595.17,"end":2602.3247,"sentiment":"neutral","sentiment_score":0.07236160657235555},{"text":"Awesome.","start":2604.7048,"end":2605.1848,"sentiment":"positive","sentiment_score":0.6890589594841003},{"text":"And I'll let Sevi know that you guys are popping in so you can say hello as well if he's in on the Friday, see if the big man's there.","start":2605.1848,"end":2612.405,"sentiment":"neutral","sentiment_score":0.31101909230152763},{"text":"And, yeah, look forward to catching up with you guys.","start":2612.6,"end":2615.5,"sentiment":"positive","sentiment_score":0.5843652337789536}],"sentiment":"neutral","sentiment_score":0.31179833811308655,"num_words":56,"start":2592.69,"end":2615.5},{"sentences":[{"text":"Cool.","start":2617.32,"end":2617.82,"sentiment":"positive","sentiment_score":0.5957911014556885},{"text":"You too.","start":2618.84,"end":2619.4,"sentiment":"positive","sentiment_score":0.45665816962718964},{"text":"And just keep an eye out for an email next week for those lease and Qantas questions.","start":2619.4,"end":2624.78,"sentiment":"neutral","sentiment_score":0.28284837656161366},{"text":"Awesome, guys.","start":2628.1729,"end":2628.813,"sentiment":"positive","sentiment_score":0.8570619225502014},{"text":"Have a great weekend.","start":2628.813,"end":2629.453,"sentiment":"positive","sentiment_score":0.8356536477804184}],"sentiment":"positive","sentiment_score":0.4374718568645991,"num_words":26,"start":2617.32,"end":2629.453},{"sentences":[{"text":"I'll talk to you soon.","start":2629.453,"end":2630.593,"sentiment":"positive","sentiment_score":0.5954656720161438},{"text":"Thank you.","start":2632.093,"end":2632.573,"sentiment":"positive","sentiment_score":0.7173970341682434},{"text":"Bye.","start":2632.573,"end":2633.073,"sentiment":"neutral","sentiment_score":-0.1015160158276558}],"sentiment":"positive","sentiment_score":0.5388258015736938,"num_words":8,"start":2629.453,"end":2633.073}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. How are you? Yeah. No worries. I don't know why, but yep. Awesome. Yeah. Yeah. No. We're both here. So I'm just on the computer at the same time, but all good. Of course, it did. I can do that. You hear what I might do? Yeah. All good, man. That's good. Alright. Mhmm. We're hoping to be moved in by May. Yep. I'd like to see you before that, Tommy, and go through some bits and pieces, mate, that we're try I'm trying to figure out in my own head. Yep. Yep. I'd rather I'd, yeah, I'd rather come in, mate, with all the information in front of us. Yeah. I don't know about Laura, but I would, yeah, just so we can discuss it and go through it and get a proper understanding. Yeah. That'd be great, mate. Yeah. I'd I'd like that. Well, that is that that yeah. That went through the other day, mate, so we can actually have that meeting whenever you We don't know the news. We don't know about the other side of things that we haven't completed the purchase of the other plates, though. Yep. Yep. Yep. Yep. Mhmm. Mhmm. I don't think we've done our rules yet, but we've definitely done all the others. Yep. Mhmm. Yeah. And then you gotta I think we gotta take into consideration on the end of that, mate. It's the what do you call it? The lost and trying to sort again. Yeah. Stamp duty? Stamp duty. Yep. Yep. Yep. Yep. 4 four. Yep. Yep. Mhmm. Yep. Yeah. Sounds about right. Yep. Yes. Yep. Mhmm. Yep. Yep. Yeah. It does, mate. I'll just I wanna revisit that, mate, whether that's a good what your thoughts are on that at the moment. Yeah. Yeah. Yeah. Yep. Yep. Yep. Right. Right. Yep. Yep. Okay. That and that that was around the discussion we had about you having more control to move things around than just being stuck in that space. Yep. Yep. Yep. Mhmm. Yes. Yep. Yep. Okay. How much is that phone underperforming, Tommy? Yeah. Yeah. Yep. Yeah. I can see that actually when I look at your investment thing now. I was just pointing it because I've I've seen on my supermax just sort of it feels like it's a bit of a, what do you call it? The Pyramids Of Egypt at the moment. It's up, down, and around. You know? And I mean, that's sort of where it's hasn't moved down, I hope, and it hasn't moved up, I hope. It's just sort of level pegged for a while. Yep. Yep. Yep. Yep. Yep. Yep. Lost Okay. Okay. Great. Yep. That's that's what the bottom bit was about that I read about. I I couldn't understand that, so now I get it. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. I saw that. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. So it sounds a bit like what Silver did. When everyone jumped in on Silver, mate, that went so high, and then it then started to drop out. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Because isn't copper doing the same thing now? Minerals and that, they're they're it's sort of shooting through the roof too. Yes. Yeah. Yep. No. That's fine. That's sort of what the conversations I've had around at my at the moment. Yeah. So I just sort of sort of run it for you. Yep. Yep. Yep. Yep. Yep. No. Yep. Yep. Yep. Yep. Yes. I gotcha. Uh-huh. Yep. Yep. Okay. Yep. Yeah. Yeah. No. That's fine, mate. Yeah. I think all the other stuff that I wanted to talk about, we can talk about when we're face to face, and I can get through all that. It'll be easy. Yep. Yep. Yes. Yep. Yes. Yep. Is that the channel and the one that we're in or whatever? Is that that the being is it? Yep. Yep. Yep. Okay. Yep. Yep. Gotcha. Yep. Yep. Yes. So you what you're basically saying is you're better off actually having the property yourself as a physical asset than having it in an ETF as a nonphysic. I'm just trying to take a percentage out of that. You know what I'm saying? In the growth market. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Yeah. 100%. Right. Yeah. Because it it'll be interesting to see what happens with property in Australia the next sort of couple of years. So my own personal opinion is, mate, that it's gonna have to steady. I can't say it's going. I just can't. If it does, I don't know how anyone's gonna get in on it. And the I think the biggest issue is now, mate, is if the government bring in those new laws they want to, you're gonna have an influx of housing that no one can afford. Investors sell out because they don't wanna take capital gains before this, you know, 25% comes in because it's a big year. So they sell out early like Elbow has done. And then you still got people that need to buy those houses. That's the problem, I think. Tommy, I don't know what your thoughts are, but yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yes. Correct. Yep. Yep. Yep. Yes. Yeah. Yeah. Because that that yeah. That could even impact you, I guess. You know what I mean? If if the market's closed, I don't know if it will or it won't, but we don't I don't know. With interest rates. Well, if that even if it's closed or it crashes the market a bit, you know what I mean? That impacts what we've done. That's what I'm trying to say. Yeah. We're given everything that happened with our property in Sydney, we're a little turned off the investment property road at the moment. It's interesting when you go through that, the the feedback that you get from people with the exact same situations with rental properties and tenants and things. So we are a bit turned off at the moment, but that's not to say that down the track, it's not something we wouldn't consider. But I think we just wanna get to a position where we pay down this new mortgage as much as we can to give us that financial freedom day to day and then look at what else we can do investment property wise possibly. Yes. Yep. That's something that we have to look into too with Grant is what sort of loan we go with and how we manage our funds and all that sort of thing. Mhmm. Mhmm. Yeah. Yeah. I think that definitely sounds more appealing to us at the moment. How do we use that to help with their own mortgage? That's that's my that's my big thing now is, like, just wanting to get that debt down. And I don't wanna waste the opportunity of being given with. I'm not gonna waste financially our time. I wanna create a space where, yes, 100% on Gurriel Law. We still live day to day and we enjoy our lives, but there has to be a payoff where we start to go, right, well, this is what we're gonna put here to make that goal, whether for the first year we do this, or is there some sort of plan we can look at going forward on how we structure that? Yep. Yep. Yes. Yes. Hospital. Yes. Yep. Yeah. Yep. Yep. Yeah. Yes. Yep. Yep. Yep. Yep. And that's what I yeah. That's sort of where my head was at last time we spoke. I mean, I was trying to speak to Laura or Laura and I spoke about that side of it being yeah. If we put what you just mentioned, mate, you put 50 in something, but then say at the end of that, mate, we've made a 100. You go, right, pull that 100 and put that over there. We'll take or take 50 of that, put that over there off your mortgage, and we'll take another 50, and we'll go again or however that works. Do you know what I mean? However you guys think we roll with that bit creating, yeah, as you said, a bit of one for one, not one for eight. Yep. Sure. Yep. Yeah. See, one or two one or two, I can see Laura and I have been happy with them. I think we'd be happy with units, to be honest with you. That's sort of where we're at. Yeah. I just think it's a smaller risk portfolio, mate, and with unfortunately, for young ones now, it's more realistic for them to be looking at that market than the house. It's it's just Friday. Yep. Yes. Correct. Yep. Yes. Yes. Totally agreed, mate. I'm just I'm rattled already, and it's two months in. I don't know. Three months. Three months. Sorry. There you go. That's where I'm at. Yep. Alright. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Yeah. I like that idea, mate. I like the I like the sand of dipping our toe in the water first and just seeing how we go after six months. I quite like that idea. Yep. Yep. Yeah. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Yeah. It seems good, mate. Yeah. And then did you sorry. Coming off subject, but did you get the emails I sent you through through with the lease car stuff? That that's fine. No. That's fine. Yep. Yep. Alright. I'll stay away from serving you. I'm good. Yep. Yep. No. That's totally fine, mate, because that that wouldn't be something that I look at until the second quarter of the year anyway because the particular car I want doesn't come out till then. And on top of that, mate, I wanna make sure financially that with what I'm getting paid, whatever payments look like, what all this we just discussed looks like Budget wise. Budget wise that that's not gonna is it actually a good thing to do or is it not? Do you know what I mean? That's where I need to need your advice. And are we overshooting the mark here or no? That's totally fine. That's gonna work because of a, b, c, and d. Yep. Yes. Yep. Yes. Look. Yep. Yeah. 100%, mate. Yeah. And where I was in the job before, mate, on it, I was basically on the other side where I'm not wasn't even interested. We live twenty minutes away, and it just wasn't worth it. But now I'm an hour away. And the cost of everything, mate, don't need to work here. You know? When we put in their own budget, obviously, insurances fuel, everything that comes with that servicing, all that, what it looks like compared apples for apples, you know, with before tax dollars too. Yep. Right. Yeah. Yeah. And one other one other quick thing I noticed on that, mate, your upfront costs are definitely better because your car is cheaper by about 10 to 13,000 is is something to note that I've I've just picked up on straight away. Whether that how that looks over time, I don't know. But yeah. Yes. Yep. Yep. Okay. Okay. Great. Fantastic. Sounds good. Not at all. No. No. That's good, mate. It's cleared up. Now I was reading it myself, and I was a little bit like, what's capital what's the capital gains? What's this? What's that? Now now you've explained it on good as gold. Thank you. Yep. No. That's the thing. And that's probably where we're learning as we go, mate, which I appreciate your patience with, mate, because obviously, being with Cbus before and Laura being with Hester, you got a statement, and it said this year you got 8.3%. And you went, oh, that's good. I've earned 8.3%. And that's literally like you said, that's all we knew. We didn't even know I couldn't even tell you what my investments are in. I'm sure Laura couldn't. Whereas now we can physically see what's happening, which is great, but we're learning as we go. Yep. Yeah. Yep. Yeah. Well, that's sort of the brand, mate. Yeah. And I think that's what Laura and I are trying to do now even though Laura's not 40 yet. I am. We're only learning that now. So if we can, like you said, give them the heads up early and help them into the property market, which is sort of a goal of theirs, you know, to make sure we can help them. We just we just don't know what it looks like otherwise if we don't get on in on top of it now. Okay. Yes. Yep. Right. Fantastic. I don't think so. The only other thing that's, like, did we we were talking about other things that he can do with work before. Oh, this works for Laura, this one. She likes this one. It should be good. No. I don't know if it does. That's it. But he can do things like what's it called? So I can do a trade tax. I'd have to send it to you. My lawyer's got it in an email anyway, so send it to her. So it's no. It was it was with Qantas Club. So at work, we get a thing with Qantas Club, where we can pay pretax dollars to be part of the The Quantis Club. Quantis Club, basically. But, yeah, I I didn't quite understand it. So I'd like you if you have a look at it, whether it's a good option for Laura and I to actually something to consider because we do travel a bit back to Sydney here and there. We go overseas usually once a year. You know what I mean? That sort of thing. So we're trying to figure out better ways that we may be able to get some benefits out of that. Yes. Yep. Yep. Correct. Correct. Yep. Correct. That's right. And that's what I'm getting at with both the conversation we just had before about the car and this situation too. It's like, are we gonna get the benefits out of that? What do you guys say? If I am, I'm all in. That's fine. I'm I'm happy with that. But if I'm not, well, what's the point? Yep. Yeah. Laura's got it up. Yeah. Yep. Fantastic. Like, yeah, she sent that through to you with the employee benefit. Yes. Because I may need a Laura for argument. So she would be one of the beneficiaries if I pay for that. She goes down to work two times a year. You know what I mean? So she she might say to her company, no. Well, I've got this thing paid through them. Do you know what I'll know if we get it to I don't know. I don't know what the exact benefits of it are. But, yeah, there's a terms and conditions, and there's all sorts of things you can have a look through there, Tommy. So Laura has brought that up, so that should help you understand, you know, what what we can get out of it. Yes. Yep. Yep. Yep. Yep. Yep. Okay. I think so. I don't think so. I don't think anything else at the end poll yet, but I'm sure I will. We need to make an appointment with with Grant too to sort out our next Yeah. What everything looks like. Loans. Yeah. Our loan and how he's gonna structure all that and whatever budget it. And that's gonna change a little bit. Something we didn't tell you actually I mean, is that we actually got a high interest account with Qudos, which this high interest account, if you leave it in anything over 500,000, it's 3.95% we earn per month on that money, but you can take that money, like, lump sums of that money at any time you want, and you don't lose it. Lose the interest on the amount left, if that makes sense. So we're putting up some in that through until we're ready to cross over for the next property. Just thought, you know, if we earn $10 out of that in the three months, so it takes us I mean, it's better than not earning anything. Yeah? Yeah. Yep. Yes. Yep. Well, we actually put it in Laura's name too, mate, not in mine for tax purposes. Yep. Yep. Yeah. Which that's already in, mate. That's done. We were finalized the other day. We'll never see that many dollars in our account ever again. We will if we do the right thing, but we'll just be a bit old enough. We'll be 16. Stop talking to Tommy in your. Remember what you said? Yeah. That'll be lovely. Yeah. Yeah. A 100%, mate. Well, the funny part of it, you'll have to tell her that she can't afford business everywhere. Yeah. Yeah. Well, that's what I'm saying. You never know, do you? Mhmm. That's good. Congratulations. That would be good. Yep. Yes. Thanks, Steve. Would you like us to see Grant before that point, Tommy? So we've got figures and everything, like, sort of all ready to go to book basically lay out in front of you guys and go, this is where we are. Mhmm. Right. Yep. Yep. Yep. Up to date bank statement too, mate, with obviously that high interest account and things would be handy for you guys to see exactly where we're at. Okay. Great. Yes. Nah. Nah, mate. I'm pretty good with that sort of stuff. So I will make I will endeavor to have everything there, mate, including even just a copy of, you know, the thing, whatever. Whatever we're gonna discuss, whatever we discussed here today, I'll just have a copy of everything, hard copy, so it'll make it easier. Right. Yep. I think budgeting and variable one for us to just just create a new place just to see what you your thoughts were on it, what what we sort of do and what you where you think maybe we could improve. I don't know if we can and we can't, but yeah. Yes. Yeah. Okay. That sounds good. We'll bring all that in too. Too easy. Yep. Yeah. Well, I think that'll help once we spoke to Grant because we're gonna know. We'll know where our insurances need to be. Yep. Yes. Yeah. Absolutely. Yep. Yep. Probably Friday, maybe the seventeenth or the twenty fifth twenty fourth. The twenty fourth for. It's fine to see me. Are we? No. No. We're not. Okay. Sorry. Forget, mate. Maybe the seventeenth. We'll be back in or we'll be back. Yes. Yep. Yep. Right. Let me do ten after school drop off. Yeah. Maybe ten. We can drop the girls to school and then We'll go have breakfast, and then we'll come and see. People. Absolutely. The long time to think again? Right. Correct. Yep. Sounds good, Tommy. You take it easy, mate. Correct. Yes. Fantastic. Will do. 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Hello? Good. How are you? Yeah.\n\nNo worries. I don't know why, but yep. Awesome. Yeah. Yeah.\n\nNo. We're both here. So I'm just on the computer at the same time, but all good. Of course, it did. I can do that.\n\nYou hear what I might do? Yeah. All good, man. That's good. Alright.\n\nMhmm. We're hoping to be moved in by May. Yep. I'd like to see you before that, Tommy, and go through some bits and pieces, mate, that we're try I'm trying to figure out in my own head. Yep.\n\nYep. I'd rather I'd, yeah, I'd rather come in, mate, with all the information in front of us. Yeah. I don't know about Laura, but I would, yeah, just so we can discuss it and go through it and get a proper understanding. Yeah.\n\nThat'd be great, mate. Yeah. I'd I'd like that. Well, that is that that yeah. That went through the other day, mate, so we can actually have that meeting whenever you We don't know the news.\n\nWe don't know about the other side of things that we haven't completed the purchase of the other plates, though. Yep. Yep. Yep. Yep.\n\nMhmm. Mhmm. I don't think we've done our rules yet, but we've definitely done all the others. Yep. Mhmm.\n\nYeah. And then you gotta I think we gotta take into consideration on the end of that, mate. It's the what do you call it? The lost and trying to sort again. Yeah.\n\nStamp duty? Stamp duty. Yep. Yep. Yep.\n\nYep. 4 four. Yep. Yep. Mhmm.\n\nYep. Yeah. Sounds about right. Yep. Yes.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nIt does, mate. I'll just I wanna revisit that, mate, whether that's a good what your thoughts are on that at the moment. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Right. Right.\n\nYep. Yep. Okay. That and that that was around the discussion we had about you having more control to move things around than just being stuck in that space. Yep.\n\nYep. Yep. Mhmm. Yes. Yep.\n\nYep. Okay. How much is that phone underperforming, Tommy? Yeah. Yeah.\n\nYep. Yeah. I can see that actually when I look at your investment thing now. I was just pointing it because I've I've seen on my supermax just sort of it feels like it's a bit of a, what do you call it? The Pyramids Of Egypt at the moment.\n\nIt's up, down, and around. You know? And I mean, that's sort of where it's hasn't moved down, I hope, and it hasn't moved up, I hope. It's just sort of level pegged for a while. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nLost Okay. Okay. Great. Yep. That's that's what the bottom bit was about that I read about.\n\nI I couldn't understand that, so now I get it. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. I saw that. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yeah.\n\nSo it sounds a bit like what Silver did. When everyone jumped in on Silver, mate, that went so high, and then it then started to drop out. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Because isn't copper doing the same thing now? Minerals and that, they're they're it's sort of shooting through the roof too. Yes. Yeah.\n\nYep. No. That's fine. That's sort of what the conversations I've had around at my at the moment. Yeah.\n\nSo I just sort of sort of run it for you. Yep. Yep. Yep. Yep.\n\nYep. No. Yep. Yep. Yep.\n\nYep. Yes. I gotcha. Uh-huh. Yep.\n\nYep. Okay. Yep. Yeah. Yeah.\n\nNo. That's fine, mate. Yeah. I think all the other stuff that I wanted to talk about, we can talk about when we're face to face, and I can get through all that. It'll be easy.\n\nYep. Yep. Yes. Yep. Yes.\n\nYep. Is that the channel and the one that we're in or whatever? Is that that the being is it? Yep. Yep.\n\nYep. Okay. Yep. Yep. Gotcha.\n\nYep. Yep. Yes. So you what you're basically saying is you're better off actually having the property yourself as a physical asset than having it in an ETF as a nonphysic. I'm just trying to take a percentage out of that.\n\nYou know what I'm saying? In the growth market. Yep. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\n100%. Right. Yeah. Because it it'll be interesting to see what happens with property in Australia the next sort of couple of years. So my own personal opinion is, mate, that it's gonna have to steady.\n\nI can't say it's going. I just can't. If it does, I don't know how anyone's gonna get in on it. And the I think the biggest issue is now, mate, is if the government bring in those new laws they want to, you're gonna have an influx of housing that no one can afford. Investors sell out because they don't wanna take capital gains before this, you know, 25% comes in because it's a big year.\n\nSo they sell out early like Elbow has done. And then you still got people that need to buy those houses. That's the problem, I think. Tommy, I don't know what your thoughts are, but yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yes. Correct.\n\nYep. Yep. Yep. Yes. Yeah.\n\nYeah. Because that that yeah. That could even impact you, I guess. You know what I mean? If if the market's closed, I don't know if it will or it won't, but we don't I don't know.\n\nWith interest rates. Well, if that even if it's closed or it crashes the market a bit, you know what I mean? That impacts what we've done. That's what I'm trying to say. Yeah.\n\nWe're given everything that happened with our property in Sydney, we're a little turned off the investment property road at the moment. It's interesting when you go through that, the the feedback that you get from people with the exact same situations with rental properties and tenants and things. So we are a bit turned off at the moment, but that's not to say that down the track, it's not something we wouldn't consider. But I think we just wanna get to a position where we pay down this new mortgage as much as we can to give us that financial freedom day to day and then look at what else we can do investment property wise possibly. Yes.\n\nYep. That's something that we have to look into too with Grant is what sort of loan we go with and how we manage our funds and all that sort of thing. Mhmm. Mhmm. Yeah.\n\nYeah. I think that definitely sounds more appealing to us at the moment. How do we use that to help with their own mortgage? That's that's my that's my big thing now is, like, just wanting to get that debt down. And I don't wanna waste the opportunity of being given with.\n\nI'm not gonna waste financially our time. I wanna create a space where, yes, 100% on Gurriel Law. We still live day to day and we enjoy our lives, but there has to be a payoff where we start to go, right, well, this is what we're gonna put here to make that goal, whether for the first year we do this, or is there some sort of plan we can look at going forward on how we structure that? Yep. Yep.\n\nYes. Yes. Hospital. Yes. Yep.\n\nYeah. Yep. Yep. Yeah. Yes.\n\nYep. Yep. Yep. Yep. And that's what I yeah.\n\nThat's sort of where my head was at last time we spoke. I mean, I was trying to speak to Laura or Laura and I spoke about that side of it being yeah. If we put what you just mentioned, mate, you put 50 in something, but then say at the end of that, mate, we've made a 100. You go, right, pull that 100 and put that over there. We'll take or take 50 of that, put that over there off your mortgage, and we'll take another 50, and we'll go again or however that works.\n\nDo you know what I mean? However you guys think we roll with that bit creating, yeah, as you said, a bit of one for one, not one for eight. Yep. Sure. Yep.\n\nYeah. See, one or two one or two, I can see Laura and I have been happy with them. I think we'd be happy with units, to be honest with you. That's sort of where we're at. Yeah.\n\nI just think it's a smaller risk portfolio, mate, and with unfortunately, for young ones now, it's more realistic for them to be looking at that market than the house. It's it's just Friday. Yep. Yes. Correct.\n\nYep. Yes. Yes. Totally agreed, mate. I'm just I'm rattled already, and it's two months in.\n\nI don't know. Three months. Three months. Sorry. There you go.\n\nThat's where I'm at. Yep. Alright. Yep. Yes.\n\nYep. Yep. Yes. Yep. Yep.\n\nYeah. I like that idea, mate. I like the I like the sand of dipping our toe in the water first and just seeing how we go after six months. I quite like that idea. Yep.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. It seems good, mate.\n\nYeah. And then did you sorry. Coming off subject, but did you get the emails I sent you through through with the lease car stuff? That that's fine. No.\n\nThat's fine. Yep. Yep. Alright. I'll stay away from serving you.\n\nI'm good. Yep. Yep. No. That's totally fine, mate, because that that wouldn't be something that I look at until the second quarter of the year anyway because the particular car I want doesn't come out till then.\n\nAnd on top of that, mate, I wanna make sure financially that with what I'm getting paid, whatever payments look like, what all this we just discussed looks like Budget wise. Budget wise that that's not gonna is it actually a good thing to do or is it not? Do you know what I mean? That's where I need to need your advice. And are we overshooting the mark here or no?\n\nThat's totally fine. That's gonna work because of a, b, c, and d. Yep. Yes. Yep.\n\nYes. Look. Yep. Yeah. 100%, mate.\n\nYeah. And where I was in the job before, mate, on it, I was basically on the other side where I'm not wasn't even interested. We live twenty minutes away, and it just wasn't worth it. But now I'm an hour away. And the cost of everything, mate, don't need to work here.\n\nYou know? When we put in their own budget, obviously, insurances fuel, everything that comes with that servicing, all that, what it looks like compared apples for apples, you know, with before tax dollars too. Yep. Right. Yeah.\n\nYeah. And one other one other quick thing I noticed on that, mate, your upfront costs are definitely better because your car is cheaper by about 10 to 13,000 is is something to note that I've I've just picked up on straight away. Whether that how that looks over time, I don't know. But yeah. Yes.\n\nYep. Yep. Okay. Okay. Great.\n\nFantastic. Sounds good. Not at all. No. No.\n\nThat's good, mate. It's cleared up. Now I was reading it myself, and I was a little bit like, what's capital what's the capital gains? What's this? What's that?\n\nNow now you've explained it on good as gold. Thank you. Yep. No. That's the thing.\n\nAnd that's probably where we're learning as we go, mate, which I appreciate your patience with, mate, because obviously, being with Cbus before and Laura being with Hester, you got a statement, and it said this year you got 8.3%. And you went, oh, that's good. I've earned 8.3%. And that's literally like you said, that's all we knew. We didn't even know I couldn't even tell you what my investments are in.\n\nI'm sure Laura couldn't. Whereas now we can physically see what's happening, which is great, but we're learning as we go. Yep. Yeah. Yep.\n\nYeah. Well, that's sort of the brand, mate. Yeah. And I think that's what Laura and I are trying to do now even though Laura's not 40 yet. I am.\n\nWe're only learning that now. So if we can, like you said, give them the heads up early and help them into the property market, which is sort of a goal of theirs, you know, to make sure we can help them. We just we just don't know what it looks like otherwise if we don't get on in on top of it now. Okay. Yes.\n\nYep. Right. Fantastic. I don't think so. The only other thing that's, like, did we we were talking about other things that he can do with work before.\n\nOh, this works for Laura, this one. She likes this one. It should be good. No. I don't know if it does.\n\nThat's it. But he can do things like what's it called? So I can do a trade tax. I'd have to send it to you. My lawyer's got it in an email anyway, so send it to her.\n\nSo it's no. It was it was with Qantas Club. So at work, we get a thing with Qantas Club, where we can pay pretax dollars to be part of the The Quantis Club. Quantis Club, basically. But, yeah, I I didn't quite understand it.\n\nSo I'd like you if you have a look at it, whether it's a good option for Laura and I to actually something to consider because we do travel a bit back to Sydney here and there. We go overseas usually once a year. You know what I mean? That sort of thing. So we're trying to figure out better ways that we may be able to get some benefits out of that.\n\nYes. Yep. Yep. Correct. Correct.\n\nYep. Correct. That's right. And that's what I'm getting at with both the conversation we just had before about the car and this situation too. It's like, are we gonna get the benefits out of that?\n\nWhat do you guys say? If I am, I'm all in. That's fine. I'm I'm happy with that. But if I'm not, well, what's the point?\n\nYep. Yeah. Laura's got it up. Yeah. Yep.\n\nFantastic. Like, yeah, she sent that through to you with the employee benefit. Yes. Because I may need a Laura for argument. So she would be one of the beneficiaries if I pay for that.\n\nShe goes down to work two times a year. You know what I mean? So she she might say to her company, no. Well, I've got this thing paid through them. Do you know what I'll know if we get it to I don't know.\n\nI don't know what the exact benefits of it are. But, yeah, there's a terms and conditions, and there's all sorts of things you can have a look through there, Tommy. So Laura has brought that up, so that should help you understand, you know, what what we can get out of it. Yes. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nI think so. I don't think so. I don't think anything else at the end poll yet, but I'm sure I will. We need to make an appointment with with Grant too to sort out our next Yeah. What everything looks like.\n\nLoans. Yeah. Our loan and how he's gonna structure all that and whatever budget it. And that's gonna change a little bit. Something we didn't tell you actually I mean, is that we actually got a high interest account with Qudos, which this high interest account, if you leave it in anything over 500,000, it's 3.95% we earn per month on that money, but you can take that money, like, lump sums of that money at any time you want, and you don't lose it.\n\nLose the interest on the amount left, if that makes sense. So we're putting up some in that through until we're ready to cross over for the next property. Just thought, you know, if we earn $10 out of that in the three months, so it takes us I mean, it's better than not earning anything. Yeah? Yeah.\n\nYep. Yes. Yep. Well, we actually put it in Laura's name too, mate, not in mine for tax purposes. Yep.\n\nYep. Yeah. Which that's already in, mate. That's done. We were finalized the other day.\n\nWe'll never see that many dollars in our account ever again. We will if we do the right thing, but we'll just be a bit old enough. We'll be 16. Stop talking to Tommy in your. Remember what you said?\n\nYeah. That'll be lovely. Yeah. Yeah. A 100%, mate.\n\nWell, the funny part of it, you'll have to tell her that she can't afford business everywhere. Yeah. Yeah. Well, that's what I'm saying. You never know, do you?\n\nMhmm. That's good. Congratulations. That would be good. Yep.\n\nYes. Thanks, Steve. Would you like us to see Grant before that point, Tommy? So we've got figures and everything, like, sort of all ready to go to book basically lay out in front of you guys and go, this is where we are. Mhmm.\n\nRight. Yep. Yep. Yep. Up to date bank statement too, mate, with obviously that high interest account and things would be handy for you guys to see exactly where we're at.\n\nOkay. Great. Yes. Nah. Nah, mate.\n\nI'm pretty good with that sort of stuff. So I will make I will endeavor to have everything there, mate, including even just a copy of, you know, the thing, whatever. Whatever we're gonna discuss, whatever we discussed here today, I'll just have a copy of everything, hard copy, so it'll make it easier. Right. Yep.\n\nI think budgeting and variable one for us to just just create a new place just to see what you your thoughts were on it, what what we sort of do and what you where you think maybe we could improve. I don't know if we can and we can't, but yeah. Yes. Yeah. Okay.\n\nThat sounds good. We'll bring all that in too. Too easy. Yep. Yeah.\n\nWell, I think that'll help once we spoke to Grant because we're gonna know. We'll know where our insurances need to be. Yep. Yes. Yeah.\n\nAbsolutely. Yep. Yep. Probably Friday, maybe the seventeenth or the twenty fifth twenty fourth. The twenty fourth for.\n\nIt's fine to see me. Are we? No. No. We're not.\n\nOkay. Sorry. Forget, mate. Maybe the seventeenth. We'll be back in or we'll be back.\n\nYes. Yep. Yep. Right. Let me do ten after school drop off.\n\nYeah. Maybe ten. We can drop the girls to school and then We'll go have breakfast, and then we'll come and see. People. Absolutely.\n\nThe long time to think again? Right. Correct. Yep. Sounds good, Tommy.\n\nYou take it easy, mate. Correct. Yes. Fantastic. Will do.\n\nThank you, mate.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.01411672867834568},{"text":"Hello?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.023937299847602844},{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.329359769821167},{"text":"How are you?","start":8.24,"end":9.139999,"sentiment":"neutral","sentiment_score":0.22295977175235748},{"text":"Yeah.","start":16.305,"end":16.545,"sentiment":"neutral","sentiment_score":0.02556525357067585}],"sentiment":"neutral","sentiment_score":0.15169405245355197,"num_words":7,"start":3.4399998,"end":16.545},{"sentences":[{"text":"No worries.","start":16.545,"end":17.105,"sentiment":"neutral","sentiment_score":0.03945094719529152},{"text":"I don't know why, but yep.","start":17.105,"end":18.645,"sentiment":"neutral","sentiment_score":-0.017378073612538476},{"text":"Awesome.","start":23.985,"end":24.485,"sentiment":"positive","sentiment_score":0.45749592781066895},{"text":"Yeah.","start":28.145,"end":28.645,"sentiment":"neutral","sentiment_score":0.02504519000649452},{"text":"Yeah.","start":32.55,"end":32.79,"sentiment":"neutral","sentiment_score":0.02365526184439659}],"sentiment":"neutral","sentiment_score":0.04371180294335566,"num_words":11,"start":16.545,"end":32.79},{"sentences":[{"text":"No.","start":32.79,"end":33.03,"sentiment":"neutral","sentiment_score":-0.0005542133003473282},{"text":"We're both here.","start":33.03,"end":33.91,"sentiment":"neutral","sentiment_score":0.013333208858966827},{"text":"So I'm just on the computer at the same time, but all good.","start":33.91,"end":36.809998,"sentiment":"neutral","sentiment_score":0.0829402721272065},{"text":"Of course, it did.","start":46.585,"end":47.645,"sentiment":"neutral","sentiment_score":0.05047190934419632},{"text":"I can do that.","start":56.025,"end":57.73,"sentiment":"neutral","sentiment_score":0.10494830645620823}],"sentiment":"neutral","sentiment_score":0.06957399256527425,"num_words":25,"start":32.79,"end":57.73},{"sentences":[{"text":"You hear what I might do?","start":61.31,"end":62.77,"sentiment":"neutral","sentiment_score":0.03428722886989514},{"text":"Yeah.","start":70.59,"end":70.99,"sentiment":"neutral","sentiment_score":0.3119799494743347},{"text":"All good, man.","start":70.99,"end":71.63,"sentiment":"positive","sentiment_score":0.39577716588974},{"text":"That's good.","start":71.63,"end":72.345,"sentiment":"positive","sentiment_score":0.38569872081279755},{"text":"Alright.","start":72.825005,"end":73.325005,"sentiment":"neutral","sentiment_score":0.1364302635192871}],"sentiment":"neutral","sentiment_score":0.20098942503906214,"num_words":13,"start":61.31,"end":73.325005},{"sentences":[{"text":"Mhmm.","start":82.745,"end":83.245,"sentiment":"neutral","sentiment_score":0.029728027060627937},{"text":"We're hoping to be moved in by May.","start":91.74,"end":93.58,"sentiment":"neutral","sentiment_score":0.03345807595178485},{"text":"Yep.","start":93.58,"end":94.08,"sentiment":"neutral","sentiment_score":0.05640389770269394},{"text":"I'd like to see you before that, Tommy, and go through some bits and pieces, mate, that we're try I'm trying to figure out in my own head.","start":94.14,"end":101.975,"sentiment":"neutral","sentiment_score":0.04697501592870269},{"text":"Yep.","start":111.795,"end":112.295,"sentiment":"neutral","sentiment_score":0.03148732706904411}],"sentiment":"neutral","sentiment_score":0.04360472578077744,"num_words":39,"start":82.745,"end":112.295},{"sentences":[{"text":"Yep.","start":119.09,"end":119.59,"sentiment":"neutral","sentiment_score":0.03782033920288086},{"text":"I'd rather I'd, yeah, I'd rather come in, mate, with all the information in front of us.","start":128.825,"end":132.665,"sentiment":"neutral","sentiment_score":0.19216056343387156},{"text":"Yeah.","start":132.665,"end":132.985,"sentiment":"neutral","sentiment_score":0.0797044187784195},{"text":"I don't know about Laura, but I would, yeah, just so we can discuss it and go through it and get a proper understanding.","start":132.985,"end":140.525,"sentiment":"neutral","sentiment_score":0.06478632412229975},{"text":"Yeah.","start":144.04,"end":144.54,"sentiment":"neutral","sentiment_score":0.0805404931306839}],"sentiment":"neutral","sentiment_score":0.11408333200961351,"num_words":44,"start":119.09,"end":144.54},{"sentences":[{"text":"That'd be great, mate.","start":150.43999,"end":151.48,"sentiment":"positive","sentiment_score":0.627418577671051},{"text":"Yeah.","start":151.48,"end":151.72,"sentiment":"neutral","sentiment_score":0.23438480496406555},{"text":"I'd I'd like that.","start":151.72,"end":152.86,"sentiment":"positive","sentiment_score":0.33550549298524857},{"text":"Well, that is that that yeah.","start":162.335,"end":163.695,"sentiment":"neutral","sentiment_score":0.12068284054597218},{"text":"That went through the other day, mate, so we can actually have that meeting whenever you We don't know the news.","start":163.695,"end":168.9,"sentiment":"neutral","sentiment_score":0.08047505450390634}],"sentiment":"neutral","sentiment_score":0.1805598409846425,"num_words":36,"start":150.43999,"end":168.9},{"sentences":[{"text":"We don't know about the other side of things that we haven't completed the purchase of the other plates, though.","start":169.06,"end":174.76,"sentiment":"neutral","sentiment_score":-0.10460891500115395},{"text":"Yep.","start":176.01999,"end":176.51999,"sentiment":"neutral","sentiment_score":0.07168839871883392},{"text":"Yep.","start":187.575,"end":188.075,"sentiment":"neutral","sentiment_score":0.1070057898759842},{"text":"Yep.","start":189.895,"end":190.395,"sentiment":"neutral","sentiment_score":0.18303678929805756},{"text":"Yep.","start":201.19,"end":201.69,"sentiment":"neutral","sentiment_score":0.11206614226102828}],"sentiment":"neutral","sentiment_score":-0.06743254916121562,"num_words":24,"start":169.06,"end":201.69},{"sentences":[{"text":"Mhmm.","start":206.95,"end":207.45,"sentiment":"neutral","sentiment_score":0.07247965037822723},{"text":"Mhmm.","start":229.27501,"end":229.56,"sentiment":"neutral","sentiment_score":0.1478891670703888},{"text":"I don't think we've done our rules yet, but we've definitely done all the others.","start":230.12,"end":233.81999,"sentiment":"neutral","sentiment_score":0.16375057796637218},{"text":"Yep.","start":242.84,"end":243.135,"sentiment":"neutral","sentiment_score":0.16787897050380707},{"text":"Mhmm.","start":252.575,"end":253.075,"sentiment":"neutral","sentiment_score":0.023081142455339432}],"sentiment":"neutral","sentiment_score":0.15092566315280764,"num_words":19,"start":206.95,"end":253.075},{"sentences":[{"text":"Yeah.","start":272.9,"end":273.4,"sentiment":"neutral","sentiment_score":-0.0059334896504879},{"text":"And then you gotta I think we gotta take into consideration on the end of that, mate.","start":273.69998,"end":277.565,"sentiment":"neutral","sentiment_score":-0.012686106978970416},{"text":"It's the what do you call it?","start":277.565,"end":279.645,"sentiment":"neutral","sentiment_score":-0.03932464521910463},{"text":"The lost and trying to sort again.","start":279.645,"end":282.545,"sentiment":"neutral","sentiment_score":-0.25176347366401125},{"text":"Yeah.","start":286.445,"end":286.845,"sentiment":"neutral","sentiment_score":-0.0037809908390045166}],"sentiment":"neutral","sentiment_score":-0.06857561003981215,"num_words":33,"start":272.9,"end":286.845},{"sentences":[{"text":"Stamp duty?","start":286.845,"end":287.565,"sentiment":"neutral","sentiment_score":-0.01242383336648345},{"text":"Stamp duty.","start":287.565,"end":288.305,"sentiment":"neutral","sentiment_score":-0.010562344454228878},{"text":"Yep.","start":290.91,"end":291.41,"sentiment":"neutral","sentiment_score":0.06771140545606613},{"text":"Yep.","start":295.22998,"end":295.31,"sentiment":"neutral","sentiment_score":0.07656733691692352},{"text":"Yep.","start":295.31,"end":295.81,"sentiment":"neutral","sentiment_score":0.06571599841117859}],"sentiment":"neutral","sentiment_score":0.023431769306106225,"num_words":7,"start":286.845,"end":295.81},{"sentences":[{"text":"Yep.","start":297.22998,"end":297.72998,"sentiment":"neutral","sentiment_score":0.047708239406347275},{"text":"4 four.","start":304.435,"end":308.445,"sentiment":"neutral","sentiment_score":0.06956165516749024},{"text":"Yep.","start":308.445,"end":308.945,"sentiment":"neutral","sentiment_score":0.11755332350730896},{"text":"Yep.","start":326.29,"end":326.79,"sentiment":"positive","sentiment_score":0.5157696604728699},{"text":"Mhmm.","start":331.975,"end":332.475,"sentiment":"neutral","sentiment_score":0.10579868406057358}],"sentiment":"neutral","sentiment_score":0.15432553629701337,"num_words":6,"start":297.22998,"end":332.475},{"sentences":[{"text":"Yep.","start":369.335,"end":369.835,"sentiment":"neutral","sentiment_score":0.08802734315395355},{"text":"Yeah.","start":394.115,"end":394.515,"sentiment":"neutral","sentiment_score":0.1652596890926361},{"text":"Sounds about 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does, mate.","start":484.415,"end":485.135,"sentiment":"neutral","sentiment_score":0.07802435010671616},{"text":"I'll just I wanna revisit that, mate, whether that's a good what your thoughts are on that at the 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and that that was around the discussion we had about you having more control to move things around than just being stuck in that space.","start":550.11,"end":559.00995,"sentiment":"neutral","sentiment_score":0.0334364536146705},{"text":"Yep.","start":559.94995,"end":560.325,"sentiment":"neutral","sentiment_score":0.017104774713516235}],"sentiment":"neutral","sentiment_score":0.03925146938612064,"num_words":30,"start":535.60504,"end":560.325},{"sentences":[{"text":"Yep.","start":564.405,"end":564.905,"sentiment":"neutral","sentiment_score":-0.06368350982666016},{"text":"Yep.","start":566.245,"end":566.745,"sentiment":"neutral","sentiment_score":-0.04884528368711472},{"text":"Mhmm.","start":577.42,"end":577.92,"sentiment":"neutral","sentiment_score":-0.060288846492767334},{"text":"Yes.","start":578.14,"end":578.64,"sentiment":"neutral","sentiment_score":-0.004677984863519669},{"text":"Yep.","start":579.9,"end":580.4,"sentiment":"neutral","sentiment_score":0.05535417050123215}],"sentiment":"neutral","sentiment_score":-0.024428290873765947,"num_words":5,"start":564.405,"end":580.4},{"sentences":[{"text":"Yep.","start":584.14,"end":584.64,"sentiment":"neutral","sentiment_score":-0.02225949615240097},{"text":"Okay.","start":587.08496,"end":587.58496,"sentiment":"neutral","sentiment_score":-0.02323444746434689},{"text":"How much is that phone underperforming, Tommy?","start":588.52496,"end":590.865,"sentiment":"neutral","sentiment_score":-0.1449020111135074},{"text":"Yeah.","start":594.365,"end":594.865,"sentiment":"neutral","sentiment_score":-0.1697617471218109},{"text":"Yeah.","start":598.125,"end":598.625,"sentiment":"neutral","sentiment_score":-0.2106841802597046}],"sentiment":"neutral","sentiment_score":-0.1309321771629832,"num_words":11,"start":584.14,"end":598.625},{"sentences":[{"text":"Yep.","start":600.31,"end":600.81,"sentiment":"neutral","sentiment_score":-0.2305905520915985},{"text":"Yeah.","start":607.35,"end":607.85,"sentiment":"neutral","sentiment_score":-0.07819053530693054},{"text":"I can see that actually when I look at your investment thing now.","start":608.23,"end":611.26996,"sentiment":"neutral","sentiment_score":-0.03785404276389342},{"text":"I was just pointing it because I've I've seen on my supermax just sort of it feels like it's a bit of a, what do you call it?","start":611.26996,"end":619.315,"sentiment":"neutral","sentiment_score":0.03279420457381223},{"text":"The Pyramids Of Egypt at the moment.","start":619.315,"end":621.15497,"sentiment":"neutral","sentiment_score":-0.09417731740645}],"sentiment":"neutral","sentiment_score":-0.010837742742151022,"num_words":50,"start":600.31,"end":621.15497},{"sentences":[{"text":"It's up, down, and around.","start":621.15497,"end":622.115,"sentiment":"neutral","sentiment_score":-0.1042252540588379},{"text":"You know?","start":622.115,"end":622.355,"sentiment":"neutral","sentiment_score":-0.07488612085580826},{"text":"And I mean, that's sort of where it's hasn't moved down, I hope, and it hasn't moved up, I hope.","start":622.355,"end":627.22003,"sentiment":"neutral","sentiment_score":-0.12743023857474328},{"text":"It's just sort of level pegged for a while.","start":627.22003,"end":629.16003,"sentiment":"neutral","sentiment_score":-0.1129611846473482},{"text":"Yep.","start":631.14,"end":631.64,"sentiment":"neutral","sentiment_score":0.11282572150230408}],"sentiment":"neutral","sentiment_score":-0.11144130334660814,"num_words":37,"start":621.15497,"end":631.64},{"sentences":[{"text":"Yep.","start":636.66003,"end":637.16003,"sentiment":"neutral","sentiment_score":0.012444213032722471},{"text":"Yep.","start":647.915,"end":648.415,"sentiment":"neutral","sentiment_score":0.19854764640331268},{"text":"Yep.","start":654.33,"end":654.83,"sentiment":"neutral","sentiment_score":0.062306568026542664},{"text":"Yep.","start":662.495,"end":662.995,"sentiment":"neutral","sentiment_score":0.08444135636091232},{"text":"Yep.","start":670.815,"end":671.315,"sentiment":"neutral","sentiment_score":0.056677162647247314}],"sentiment":"neutral","sentiment_score":0.08288338929414749,"num_words":5,"start":636.66003,"end":671.315},{"sentences":[{"text":"Lost Okay.","start":677.695,"end":678.97003,"sentiment":"neutral","sentiment_score":0.011086137965321543},{"text":"Okay.","start":689.67004,"end":690.17004,"sentiment":"neutral","sentiment_score":0.05849099159240723},{"text":"Great.","start":694.645,"end":695.145,"sentiment":"positive","sentiment_score":0.5087159276008606},{"text":"Yep.","start":695.525,"end":696.025,"sentiment":"positive","sentiment_score":0.3475864827632904},{"text":"That's that's what the bottom bit was about that I read about.","start":696.405,"end":699.04504,"sentiment":"neutral","sentiment_score":0.04539494557927052}],"sentiment":"neutral","sentiment_score":0.08715911910814397,"num_words":17,"start":677.695,"end":699.04504},{"sentences":[{"text":"I I couldn't understand that, so now I get it.","start":699.04504,"end":701.445,"sentiment":"neutral","sentiment_score":-0.08670645281672477},{"text":"Yep.","start":701.445,"end":701.945,"sentiment":"neutral","sentiment_score":0.04230741783976555},{"text":"Yep.","start":712.69,"end":713.19,"sentiment":"neutral","sentiment_score":0.1561700999736786},{"text":"Yep.","start":713.73,"end":714.23,"sentiment":"neutral","sentiment_score":0.03329571336507797},{"text":"Yep.","start":715.445,"end":715.945,"sentiment":"neutral","sentiment_score":-0.06269125640392303}],"sentiment":"neutral","sentiment_score":-0.049855896670903475,"num_words":14,"start":699.04504,"end":715.945},{"sentences":[{"text":"Yep.","start":718.005,"end":718.505,"sentiment":"neutral","sentiment_score":0.05104311928153038},{"text":"Yeah.","start":728.325,"end":728.805,"sentiment":"neutral","sentiment_score":0.0301915742456913},{"text":"Yeah.","start":728.805,"end":728.965,"sentiment":"neutral","sentiment_score":0.06024681031703949},{"text":"Yeah.","start":728.965,"end":729.125,"sentiment":"neutral","sentiment_score":0.061707451939582825},{"text":"Yeah.","start":729.125,"end":729.365,"sentiment":"neutral","sentiment_score":0.05974771082401275}],"sentiment":"neutral","sentiment_score":0.05258733332157135,"num_words":5,"start":718.005,"end":729.365},{"sentences":[{"text":"Yeah.","start":729.365,"end":729.605,"sentiment":"neutral","sentiment_score":0.05721732974052429},{"text":"I saw that.","start":729.605,"end":730.325,"sentiment":"neutral","sentiment_score":0.0485170582930247},{"text":"Yep.","start":730.325,"end":730.825,"sentiment":"neutral","sentiment_score":0.08233154565095901},{"text":"Yep.","start":737.74,"end":738.24,"sentiment":"neutral","sentiment_score":0.03936578705906868},{"text":"Yes.","start":744.14,"end":744.64,"sentiment":"neutral","sentiment_score":0.29770487546920776}],"sentiment":"neutral","sentiment_score":0.0888815303998334,"num_words":7,"start":729.365,"end":744.64},{"sentences":[{"text":"Yep.","start":752.915,"end":753.415,"sentiment":"neutral","sentiment_score":0.2247072458267212},{"text":"Yep.","start":755.315,"end":755.815,"sentiment":"neutral","sentiment_score":0.23220431804656985},{"text":"Yep.","start":759.60004,"end":760.10004,"sentiment":"neutral","sentiment_score":-0.020462846383452415},{"text":"Yep.","start":764.32,"end":764.82,"sentiment":"neutral","sentiment_score":0.08833205699920654},{"text":"Yeah.","start":764.96,"end":765.2,"sentiment":"neutral","sentiment_score":0.08755598962306976}],"sentiment":"neutral","sentiment_score":0.12246735282242298,"num_words":5,"start":752.915,"end":765.2},{"sentences":[{"text":"So it sounds a bit like what Silver did.","start":765.2,"end":767.62,"sentiment":"neutral","sentiment_score":0.05666426279478603},{"text":"When everyone jumped in on Silver, mate, that went so high, and then it then started to drop out.","start":767.68,"end":772.365,"sentiment":"neutral","sentiment_score":-0.0259366367796534},{"text":"Yep.","start":774.285,"end":774.785,"sentiment":"neutral","sentiment_score":0.14823435246944427},{"text":"Yep.","start":776.445,"end":776.945,"sentiment":"neutral","sentiment_score":0.124724879860878},{"text":"Yep.","start":779.365,"end":779.865,"sentiment":"neutral","sentiment_score":0.12800319492816925}],"sentiment":"neutral","sentiment_score":0.013488538503166168,"num_words":31,"start":765.2,"end":779.865},{"sentences":[{"text":"Yep.","start":782.285,"end":782.785,"sentiment":"neutral","sentiment_score":0.15083512663841248},{"text":"Yep.","start":783.645,"end":784.145,"sentiment":"neutral","sentiment_score":0.15273764729499817},{"text":"Yep.","start":785.08496,"end":785.58496,"sentiment":"neutral","sentiment_score":0.1900547742843628},{"text":"Yep.","start":785.645,"end":786.145,"sentiment":"neutral","sentiment_score":0.20992791652679443},{"text":"Yep.","start":790.66,"end":791.06,"sentiment":"neutral","sentiment_score":0.08378656953573227}],"sentiment":"neutral","sentiment_score":0.15746840685606003,"num_words":5,"start":782.285,"end":791.06},{"sentences":[{"text":"Yeah.","start":791.06,"end":791.3,"sentiment":"neutral","sentiment_score":0.04829994961619377},{"text":"Because isn't copper doing the same thing now?","start":791.3,"end":793.77997,"sentiment":"neutral","sentiment_score":-0.008613897021859884},{"text":"Minerals and that, they're they're it's sort of shooting through the roof too.","start":793.77997,"end":797.16,"sentiment":"neutral","sentiment_score":-0.03217173754595793},{"text":"Yes.","start":801.79504,"end":802.29504,"sentiment":"neutral","sentiment_score":0.05420077219605446},{"text":"Yeah.","start":804.91504,"end":805.395,"sentiment":"neutral","sentiment_score":0.06037810444831848}],"sentiment":"neutral","sentiment_score":-0.013511039083823562,"num_words":24,"start":791.06,"end":805.395},{"sentences":[{"text":"Yep.","start":805.395,"end":805.79504,"sentiment":"neutral","sentiment_score":0.047058623284101486},{"text":"No.","start":805.79504,"end":805.955,"sentiment":"neutral","sentiment_score":0.008100902661681175},{"text":"That's fine.","start":805.955,"end":806.435,"sentiment":"neutral","sentiment_score":0.049515798687934875},{"text":"That's sort of what the conversations I've had around at my at the moment.","start":806.435,"end":810.375,"sentiment":"neutral","sentiment_score":0.015455367575798715},{"text":"Yeah.","start":810.995,"end":811.47504,"sentiment":"neutral","sentiment_score":0.08858071267604828}],"sentiment":"neutral","sentiment_score":0.024165630634678036,"num_words":19,"start":805.395,"end":811.47504},{"sentences":[{"text":"So I just sort of sort of run it for 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fine, mate.","start":925.085,"end":926.22504,"sentiment":"neutral","sentiment_score":0.1149386316537857},{"text":"Yeah.","start":926.925,"end":927.06,"sentiment":"neutral","sentiment_score":0.11310313642024994},{"text":"I think all the other stuff that I wanted to talk about, we can talk about when we're face to face, and I can get through all that.","start":927.22,"end":931.46,"sentiment":"neutral","sentiment_score":0.12333510150866848},{"text":"It'll be 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channel and the one that we're in or whatever?","start":961.97003,"end":964.13,"sentiment":"neutral","sentiment_score":0.001977164977385352},{"text":"Is that that the being is it?","start":964.13,"end":966.07,"sentiment":"neutral","sentiment_score":-0.016395263906036104},{"text":"Yep.","start":968.235,"end":968.735,"sentiment":"neutral","sentiment_score":0.009483514353632929},{"text":"Yep.","start":970.155,"end":970.475,"sentiment":"neutral","sentiment_score":0.015522291883826256}],"sentiment":"neutral","sentiment_score":-0.002581890937025574,"num_words":22,"start":961.25,"end":970.475},{"sentences":[{"text":"Yep.","start":970.475,"end":970.975,"sentiment":"neutral","sentiment_score":0.01225485187023878},{"text":"Okay.","start":972.235,"end":972.735,"sentiment":"neutral","sentiment_score":0.023510929197072983},{"text":"Yep.","start":973.195,"end":973.695,"sentiment":"neutral","sentiment_score":0.0396340936422348},{"text":"Yep.","start":990.56,"end":990.96,"sentiment":"neutral","sentiment_score":-0.06945039331912994},{"text":"Gotcha.","start":990.96,"end":991.46,"sentiment":"neutral","sentiment_score":-0.07005240768194199}],"sentiment":"neutral","sentiment_score":-0.012820585258305072,"num_words":5,"start":970.475,"end":991.46},{"sentences":[{"text":"Yep.","start":991.6,"end":992.1,"sentiment":"neutral","sentiment_score":-0.02313287183642387},{"text":"Yep.","start":997.445,"end":997.945,"sentiment":"neutral","sentiment_score":-0.31203410029411316},{"text":"Yes.","start":1006.73004,"end":1006.97003,"sentiment":"neutral","sentiment_score":-0.10242365300655364},{"text":"So you what you're basically saying is you're better off actually having the property yourself as a physical asset than having it in an ETF as a nonphysic.","start":1006.97003,"end":1014.43005,"sentiment":"neutral","sentiment_score":-0.1343949804348605},{"text":"I'm just trying to take a percentage out of that.","start":1014.57,"end":1016.65,"sentiment":"neutral","sentiment_score":-0.1246855117380619}],"sentiment":"neutral","sentiment_score":-0.13286598035838545,"num_words":41,"start":991.6,"end":1016.65},{"sentences":[{"text":"You know what I'm saying?","start":1016.65,"end":1017.37,"sentiment":"neutral","sentiment_score":-0.11019903272390366},{"text":"In the growth market.","start":1017.37,"end":1018.43005,"sentiment":"neutral","sentiment_score":-0.09901404939591885},{"text":"Yep.","start":1018.785,"end":1019.285,"sentiment":"neutral","sentiment_score":-0.021547874435782433},{"text":"Yep.","start":1026.1425,"end":1026.6425,"sentiment":"neutral","sentiment_score":-0.11396681517362596},{"text":"Yep.","start":1035.26,"end":1035.76,"sentiment":"neutral","sentiment_score":-0.19289562106132507}],"sentiment":"neutral","sentiment_score":-0.10628847265616059,"num_words":12,"start":1016.65,"end":1035.76},{"sentences":[{"text":"Yeah.","start":1038.54,"end":1039.04,"sentiment":"neutral","sentiment_score":-0.07080289721488953},{"text":"Yep.","start":1041.66,"end":1042.16,"sentiment":"neutral","sentiment_score":-0.017470315098762512},{"text":"Yep.","start":1048.135,"end":1048.635,"sentiment":"neutral","sentiment_score":-0.1331406533718109},{"text":"Yeah.","start":1051.735,"end":1051.975,"sentiment":"neutral","sentiment_score":-0.050769783556461334},{"text":"Yeah.","start":1051.975,"end":1052.215,"sentiment":"neutral","sentiment_score":-0.03304203227162361}],"sentiment":"neutral","sentiment_score":-0.06104513630270958,"num_words":5,"start":1038.54,"end":1052.215},{"sentences":[{"text":"100%.","start":1052.215,"end":1052.855,"sentiment":"neutral","sentiment_score":0.010677581652998924},{"text":"Right.","start":1052.855,"end":1053.015,"sentiment":"neutral","sentiment_score":0.02427772618830204},{"text":"Yeah.","start":1053.015,"end":1053.255,"sentiment":"neutral","sentiment_score":0.01481625996530056},{"text":"Because it it'll be interesting to see what happens with property in Australia the next sort of couple of years.","start":1053.255,"end":1059.6749,"sentiment":"neutral","sentiment_score":-0.08235906232148409},{"text":"So my own personal opinion is, mate, that it's gonna have to steady.","start":1059.895,"end":1069.2201,"sentiment":"neutral","sentiment_score":-0.12387116955449948}],"sentiment":"neutral","sentiment_score":-0.08910374674532148,"num_words":36,"start":1052.215,"end":1069.2201},{"sentences":[{"text":"I can't say it's going.","start":1070.7201,"end":1072.1001,"sentiment":"neutral","sentiment_score":-0.31678966879844667},{"text":"I just can't.","start":1072.4,"end":1073.295,"sentiment":"negative","sentiment_score":-0.4780120551586151},{"text":"If it does, I don't know how anyone's gonna get in on it.","start":1073.8551,"end":1078.415,"sentiment":"negative","sentiment_score":-0.5126443665761214},{"text":"And the I think the biggest issue is now, mate, is if the government bring in those new laws they want to, you're gonna have an influx of housing that no one can afford.","start":1078.415,"end":1086.915,"sentiment":"negative","sentiment_score":-0.596752702313311},{"text":"Investors sell out because they don't wanna take capital gains before this, you know, 25% comes in because it's a big year.","start":1088.24,"end":1096.74,"sentiment":"neutral","sentiment_score":-0.26797267523678864}],"sentiment":"negative","sentiment_score":-0.46580976634830623,"num_words":77,"start":1070.7201,"end":1096.74},{"sentences":[{"text":"So they sell out early like Elbow has done.","start":1096.96,"end":1099.7,"sentiment":"neutral","sentiment_score":-0.11321879757775201},{"text":"And then you still got people that need to buy those houses.","start":1099.965,"end":1102.605,"sentiment":"neutral","sentiment_score":-0.2635369561612606},{"text":"That's the problem, I think.","start":1102.605,"end":1103.885,"sentiment":"negative","sentiment_score":-0.3706400454044342},{"text":"Tommy, I don't know what your thoughts are, but 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that that yeah.","start":1212.055,"end":1213.095,"sentiment":"neutral","sentiment_score":-0.02620141115039587},{"text":"That could even impact you, I guess.","start":1213.095,"end":1214.6951,"sentiment":"neutral","sentiment_score":-0.10898059074367795},{"text":"You know what I mean?","start":1214.6951,"end":1215.5751,"sentiment":"neutral","sentiment_score":-0.1191658616065979},{"text":"If if the market's closed, I don't know if it will or it won't, but we don't I don't know.","start":1215.5751,"end":1220.055,"sentiment":"neutral","sentiment_score":-0.15865850411355495}],"sentiment":"neutral","sentiment_score":-0.1249464090309433,"num_words":37,"start":1211.975,"end":1220.055},{"sentences":[{"text":"With interest rates.","start":1220.055,"end":1221.1951,"sentiment":"neutral","sentiment_score":-0.17246749997138977},{"text":"Well, if that even if it's closed or it crashes the market a bit, you know what I mean?","start":1221.255,"end":1225.415,"sentiment":"neutral","sentiment_score":-0.2139421019114946},{"text":"That impacts what we've done.","start":1225.415,"end":1226.79,"sentiment":"neutral","sentiment_score":-0.30971277356147764},{"text":"That's what I'm trying to say.","start":1226.79,"end":1227.86,"sentiment":"neutral","sentiment_score":-0.1444318766395251},{"text":"Yeah.","start":1261.4299,"end":1261.75,"sentiment":"neutral","sentiment_score":-0.1060340702533722}],"sentiment":"neutral","sentiment_score":-0.20892622453324936,"num_words":34,"start":1220.055,"end":1261.75},{"sentences":[{"text":"We're given everything that happened with our property in Sydney, we're a little turned off the investment property road at the moment.","start":1261.75,"end":1269.265,"sentiment":"neutral","sentiment_score":-0.2717506262389096},{"text":"It's interesting when you go through that, the the feedback that you get from people with the exact same situations with rental properties and tenants and things.","start":1270.605,"end":1278.525,"sentiment":"neutral","sentiment_score":-0.014646032549164913},{"text":"So we are a bit turned off at the moment, but that's not to say that down the track, it's not something we wouldn't consider.","start":1278.525,"end":1286.5901,"sentiment":"neutral","sentiment_score":-0.06853301644325256},{"text":"But I think we just wanna get to a position where we pay down this new mortgage as much as we can to give us that financial freedom day to day and then look at what else we can do investment property wise 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that's my that's my big thing now is, like, just wanting to get that debt down.","start":1397.12,"end":1402.32,"sentiment":"neutral","sentiment_score":0.2508026738377178},{"text":"And I don't wanna waste the opportunity of being given with.","start":1402.32,"end":1405.645,"sentiment":"neutral","sentiment_score":-0.2800524319437417}],"sentiment":"neutral","sentiment_score":0.17481628540330207,"num_words":52,"start":1387.6749,"end":1405.645},{"sentences":[{"text":"I'm not gonna waste financially our time.","start":1408.025,"end":1410.265,"sentiment":"neutral","sentiment_score":-0.1799192332795688},{"text":"I wanna create a space where, yes, 100% on Gurriel Law.","start":1410.265,"end":1414.105,"sentiment":"positive","sentiment_score":0.3436199589209123},{"text":"We still live day to day and we enjoy our lives, but there has to be a payoff where we start to go, right, well, this is what we're gonna put here to make that goal, whether for the first year we do this, or is there some sort of plan we can look at going forward on how we structure 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take 50 of that, put that over there off your mortgage, and we'll take another 50, and we'll go again or however that works.","start":1535.3551,"end":1541.44,"sentiment":"neutral","sentiment_score":0.026790349502806312}],"sentiment":"neutral","sentiment_score":0.0051682623314488795,"num_words":97,"start":1517.79,"end":1541.44},{"sentences":[{"text":"Do you know what I mean?","start":1541.44,"end":1542.4,"sentiment":"neutral","sentiment_score":-0.011713156166176},{"text":"However you guys think we roll with that bit creating, yeah, as you said, a bit of one for one, not one for 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here or no?","start":1824.82,"end":1827.94,"sentiment":"neutral","sentiment_score":-0.14255441890822518}],"sentiment":"neutral","sentiment_score":-0.08617193546767037,"num_words":72,"start":1806.355,"end":1827.94},{"sentences":[{"text":"That's totally fine.","start":1827.94,"end":1829.0549,"sentiment":"positive","sentiment_score":0.3833477199077606},{"text":"That's gonna work because of a, b, c, and 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mate.","start":1852.71,"end":1853.59,"sentiment":"neutral","sentiment_score":0.13815513253211975}],"sentiment":"neutral","sentiment_score":0.0750873340293765,"num_words":6,"start":1845.91,"end":1853.59},{"sentences":[{"text":"Yeah.","start":1853.59,"end":1853.91,"sentiment":"neutral","sentiment_score":0.05501457676291466},{"text":"And where I was in the job before, mate, on it, I was basically on the other side where I'm not wasn't even interested.","start":1853.91,"end":1859.745,"sentiment":"neutral","sentiment_score":-0.12131963344290853},{"text":"We live twenty minutes away, and it just wasn't worth it.","start":1859.745,"end":1862.0651,"sentiment":"neutral","sentiment_score":-0.2503051595254378},{"text":"But now I'm an hour away.","start":1862.0651,"end":1863.4451,"sentiment":"neutral","sentiment_score":-0.17257729172706604},{"text":"And the cost of everything, mate, don't need to work here.","start":1863.9851,"end":1867.1051,"sentiment":"neutral","sentiment_score":-0.10860209167003632}],"sentiment":"neutral","sentiment_score":-0.14792641772414153,"num_words":53,"start":1853.59,"end":1867.1051},{"sentences":[{"text":"You know?","start":1867.1051,"end":1867.68,"sentiment":"neutral","sentiment_score":-0.07037274911999702},{"text":"When we put in their own budget, obviously, insurances fuel, everything that comes with that servicing, all that, what it looks like compared apples for apples, you know, with before tax dollars too.","start":1867.76,"end":1877.54,"sentiment":"neutral","sentiment_score":-0.047013209398948784},{"text":"Yep.","start":1879.6001,"end":1880.1001,"sentiment":"neutral","sentiment_score":0.20697364211082456},{"text":"Right.","start":1882.9451,"end":1883.4451,"sentiment":"neutral","sentiment_score":0.10003799200057983},{"text":"Yeah.","start":1887.905,"end":1888.385,"sentiment":"neutral","sentiment_score":0.06210631877183914}],"sentiment":"neutral","sentiment_score":-0.0348174593558437,"num_words":38,"start":1867.1051,"end":1888.385},{"sentences":[{"text":"Yeah.","start":1888.385,"end":1888.885,"sentiment":"neutral","sentiment_score":0.0527653694152832},{"text":"And one other one other quick thing I noticed on that, mate, your upfront costs are definitely better because your car is cheaper by about 10 to 13,000 is is something to note that I've I've just picked up on straight away.","start":1889.345,"end":1902.6599,"sentiment":"neutral","sentiment_score":0.024849021940359046},{"text":"Whether that how that looks over time, I don't know.","start":1902.6599,"end":1905.2999,"sentiment":"neutral","sentiment_score":-0.050988147407770155},{"text":"But yeah.","start":1905.2999,"end":1906.37,"sentiment":"neutral","sentiment_score":0.00413085613399744},{"text":"Yes.","start":1913.5549,"end":1914.0549,"sentiment":"neutral","sentiment_score":0.08942572772502899}],"sentiment":"neutral","sentiment_score":0.012218397443315812,"num_words":56,"start":1888.385,"end":1914.0549},{"sentences":[{"text":"Yep.","start":1915.875,"end":1916.375,"sentiment":"neutral","sentiment_score":0.06116284057497978},{"text":"Yep.","start":1920.4349,"end":1920.9349,"sentiment":"neutral","sentiment_score":0.04861513897776604},{"text":"Okay.","start":1927.4,"end":1927.4401,"sentiment":"neutral","sentiment_score":0.12604297697544098},{"text":"Okay.","start":1927.4401,"end":1927.4801,"sentiment":"neutral","sentiment_score":0.2025037407875061},{"text":"Great.","start":1927.4801,"end":1927.88,"sentiment":"positive","sentiment_score":0.710729718208313}],"sentiment":"neutral","sentiment_score":0.2298108831048012,"num_words":5,"start":1915.875,"end":1927.88},{"sentences":[{"text":"Fantastic.","start":1927.88,"end":1928.38,"sentiment":"positive","sentiment_score":0.7980553507804871},{"text":"Sounds good.","start":1928.52,"end":1929.42,"sentiment":"positive","sentiment_score":0.7761878371238708},{"text":"Not at all.","start":1937.0149,"end":1937.735,"sentiment":"neutral","sentiment_score":-0.11553955078125},{"text":"No.","start":1937.735,"end":1938.0549,"sentiment":"neutral","sentiment_score":-0.09409306198358536},{"text":"No.","start":1938.0549,"end":1938.2949,"sentiment":"neutral","sentiment_score":-0.08894360810518265}],"sentiment":"neutral","sentiment_score":0.22759696282446384,"num_words":8,"start":1927.88,"end":1938.2949},{"sentences":[{"text":"That's good, mate.","start":1938.2949,"end":1939.1749,"sentiment":"neutral","sentiment_score":0.19185833632946014},{"text":"It's cleared up.","start":1939.1749,"end":1939.975,"sentiment":"neutral","sentiment_score":0.15348272025585175},{"text":"Now I was reading it myself, and I was a little bit like, what's capital what's the capital gains?","start":1939.975,"end":1943.975,"sentiment":"neutral","sentiment_score":0.005465283475228046},{"text":"What's this?","start":1943.975,"end":1944.455,"sentiment":"neutral","sentiment_score":-0.0043290359899401665},{"text":"What's that?","start":1944.455,"end":1945.2749,"sentiment":"neutral","sentiment_score":0.002015066100284457}],"sentiment":"neutral","sentiment_score":0.03914605572434335,"num_words":29,"start":1938.2949,"end":1945.2749},{"sentences":[{"text":"Now now you've explained it on good as gold.","start":1945.575,"end":1947.575,"sentiment":"neutral","sentiment_score":0.14813753134674496},{"text":"Thank you.","start":1947.575,"end":1948.315,"sentiment":"positive","sentiment_score":0.4362873136997223},{"text":"Yep.","start":1959.0901,"end":1959.5901,"sentiment":"neutral","sentiment_score":-0.02428511530160904},{"text":"No.","start":1964.825,"end":1965.065,"sentiment":"neutral","sentiment_score":-0.11775795370340349},{"text":"That's the thing.","start":1965.065,"end":1965.865,"sentiment":"neutral","sentiment_score":-0.060985151678323746}],"sentiment":"neutral","sentiment_score":0.11755086784251034,"num_words":16,"start":1945.575,"end":1965.865},{"sentences":[{"text":"And that's probably where we're learning as we go, mate, which I appreciate your patience with, mate, because obviously, being with Cbus before and Laura being with Hester, you got a statement, and it said this year you got 8.3%.","start":1965.865,"end":1978.3601,"sentiment":"neutral","sentiment_score":0.05474493589717895},{"text":"And you went, oh, that's good.","start":1978.5801,"end":1979.78,"sentiment":"neutral","sentiment_score":0.19874236981074014},{"text":"I've earned 8.3%.","start":1979.78,"end":1980.9801,"sentiment":"neutral","sentiment_score":0.200044776002566},{"text":"And that's literally like you said, that's all we knew.","start":1980.9801,"end":1984.12,"sentiment":"neutral","sentiment_score":0.058008506521582605},{"text":"We didn't even know I couldn't even tell you what my investments are in.","start":1984.18,"end":1986.9801,"sentiment":"neutral","sentiment_score":-0.03097874970574464}],"sentiment":"neutral","sentiment_score":0.05655847331636572,"num_words":73,"start":1965.865,"end":1986.9801},{"sentences":[{"text":"I'm sure Laura couldn't.","start":1986.9801,"end":1988.2001,"sentiment":"neutral","sentiment_score":-0.034207533579319715},{"text":"Whereas now we can physically see what's happening, which is great, but we're learning as we go.","start":1988.345,"end":1992.925,"sentiment":"neutral","sentiment_score":0.11451464913347188},{"text":"Yep.","start":1994.745,"end":1995.245,"sentiment":"neutral","sentiment_score":0.07553082704544067},{"text":"Yeah.","start":2004.03,"end":2004.53,"sentiment":"neutral","sentiment_score":0.04606753587722778},{"text":"Yep.","start":2009.79,"end":2010.29,"sentiment":"neutral","sentiment_score":-0.0361531600356102}],"sentiment":"neutral","sentiment_score":0.07897350432661672,"num_words":24,"start":1986.9801,"end":2010.29},{"sentences":[{"text":"Yeah.","start":2015.71,"end":2016.03,"sentiment":"neutral","sentiment_score":0.1582758128643036},{"text":"Well, that's sort of the brand, mate.","start":2016.03,"end":2017.875,"sentiment":"positive","sentiment_score":0.4128752819129399},{"text":"Yeah.","start":2018.435,"end":2018.835,"sentiment":"neutral","sentiment_score":0.18599984049797055},{"text":"And I think that's what Laura and I are trying to do now even though Laura's not 40 yet.","start":2018.835,"end":2023.955,"sentiment":"neutral","sentiment_score":0.14695421116132484},{"text":"I am.","start":2023.955,"end":2024.535,"sentiment":"neutral","sentiment_score":0.07396702468395233}],"sentiment":"neutral","sentiment_score":0.20581555627286435,"num_words":30,"start":2015.71,"end":2024.535},{"sentences":[{"text":"We're only learning that now.","start":2026.355,"end":2027.555,"sentiment":"neutral","sentiment_score":0.10680007934570312},{"text":"So if we can, like you said, give them the heads up early and help them into the property market, which is sort of a goal of theirs, you know, to make sure we can help them.","start":2027.555,"end":2035.54,"sentiment":"neutral","sentiment_score":0.21612404870825844},{"text":"We just we just don't know what it looks like otherwise if we don't get on in on top of it now.","start":2035.54,"end":2040.36,"sentiment":"neutral","sentiment_score":0.07635542733425443},{"text":"Okay.","start":2043.54,"end":2044.04,"sentiment":"neutral","sentiment_score":0.10570665448904036},{"text":"Yes.","start":2045.0599,"end":2045.5599,"sentiment":"neutral","sentiment_score":0.13971848785877228}],"sentiment":"neutral","sentiment_score":0.15842173852478014,"num_words":66,"start":2026.355,"end":2045.5599},{"sentences":[{"text":"Yep.","start":2046.655,"end":2047.155,"sentiment":"positive","sentiment_score":0.49345821142196655},{"text":"Right.","start":2058.415,"end":2058.815,"sentiment":"positive","sentiment_score":0.5562554597854614},{"text":"Fantastic.","start":2058.815,"end":2059.315,"sentiment":"positive","sentiment_score":0.7215084433555603},{"text":"I don't think so.","start":2068.3499,"end":2069.39,"sentiment":"neutral","sentiment_score":-0.08682276401668787},{"text":"The only other thing that's, like, did we we were talking about other things that he can do with work before.","start":2069.39,"end":2075.495,"sentiment":"neutral","sentiment_score":-0.0023436301964379494}],"sentiment":"neutral","sentiment_score":0.049096958013251424,"num_words":28,"start":2046.655,"end":2075.495},{"sentences":[{"text":"Oh, this works for Laura, this one.","start":2075.875,"end":2077.395,"sentiment":"neutral","sentiment_score":0.27853356088910786},{"text":"She likes this one.","start":2077.395,"end":2078.3552,"sentiment":"positive","sentiment_score":0.547504760324955},{"text":"It should be good.","start":2078.3552,"end":2078.995,"sentiment":"positive","sentiment_score":0.5385478287935257},{"text":"No.","start":2078.995,"end":2079.495,"sentiment":"neutral","sentiment_score":-0.03599484637379646},{"text":"I don't know if it does.","start":2079.635,"end":2080.935,"sentiment":"neutral","sentiment_score":-0.05942264944314957}],"sentiment":"neutral","sentiment_score":0.2682461154393174,"num_words":22,"start":2075.875,"end":2080.935},{"sentences":[{"text":"That's it.","start":2081.235,"end":2081.7952,"sentiment":"neutral","sentiment_score":-0.027536827139556408},{"text":"But he can do things like what's it called?","start":2081.7952,"end":2085.0952,"sentiment":"neutral","sentiment_score":-0.007569522338194979},{"text":"So I can do a trade tax.","start":2085.235,"end":2087.1,"sentiment":"neutral","sentiment_score":-0.007026709483138153},{"text":"I'd have to send it to you.","start":2087.1802,"end":2088.3801,"sentiment":"neutral","sentiment_score":0.00203519786841103},{"text":"My lawyer's got it in an email anyway, so send it to her.","start":2088.3801,"end":2091.02,"sentiment":"neutral","sentiment_score":-0.005504553430140591}],"sentiment":"neutral","sentiment_score":-0.0060447139794154,"num_words":38,"start":2081.235,"end":2091.02},{"sentences":[{"text":"So it's no.","start":2091.02,"end":2092.86,"sentiment":"neutral","sentiment_score":-0.025088548349837463},{"text":"It was it was with Qantas Club.","start":2092.86,"end":2094.6401,"sentiment":"neutral","sentiment_score":-0.016433339432946274},{"text":"So at work, we get a thing with Qantas Club, where we can pay pretax dollars to be part of the The Quantis Club.","start":2095.6602,"end":2103.0352,"sentiment":"neutral","sentiment_score":0.0651623026157419},{"text":"Quantis Club, basically.","start":2103.195,"end":2104.415,"sentiment":"neutral","sentiment_score":0.0172049052392443},{"text":"But, yeah, I I didn't quite understand it.","start":2106.235,"end":2108.715,"sentiment":"neutral","sentiment_score":-0.17247277684509754}],"sentiment":"neutral","sentiment_score":0.0010095276145471468,"num_words":45,"start":2091.02,"end":2108.715},{"sentences":[{"text":"So I'd like you if you have a look at it, whether it's a good option for Laura and I to actually something to consider because we do travel a bit back to Sydney here and there.","start":2108.715,"end":2120.57,"sentiment":"neutral","sentiment_score":0.20392743719590678},{"text":"We go overseas usually once a year.","start":2120.57,"end":2122.41,"sentiment":"neutral","sentiment_score":0.10766462343079704},{"text":"You know what I mean?","start":2122.41,"end":2123.21,"sentiment":"neutral","sentiment_score":0.059557626396417616},{"text":"That sort of thing.","start":2123.21,"end":2123.93,"sentiment":"neutral","sentiment_score":0.0904355626553297},{"text":"So we're trying to figure out better ways that we may be able to get some benefits out of that.","start":2123.93,"end":2129.23,"sentiment":"neutral","sentiment_score":0.22148328460752964}],"sentiment":"neutral","sentiment_score":0.18339950157559082,"num_words":73,"start":2108.715,"end":2129.23},{"sentences":[{"text":"Yes.","start":2136.015,"end":2136.515,"sentiment":"positive","sentiment_score":0.5430864095687866},{"text":"Yep.","start":2144.335,"end":2144.835,"sentiment":"neutral","sentiment_score":0.21671795845031736},{"text":"Yep.","start":2151.99,"end":2152.47,"sentiment":"neutral","sentiment_score":0.0739138051867485},{"text":"Correct.","start":2152.47,"end":2152.97,"sentiment":"neutral","sentiment_score":0.03909008949995041},{"text":"Correct.","start":2153.43,"end":2153.93,"sentiment":"neutral","sentiment_score":0.05397976562380791}],"sentiment":"neutral","sentiment_score":0.18535760566592216,"num_words":5,"start":2136.015,"end":2153.93},{"sentences":[{"text":"Yep.","start":2157.51,"end":2158.01,"sentiment":"neutral","sentiment_score":0.03415282815694809},{"text":"Correct.","start":2160.71,"end":2161.21,"sentiment":"neutral","sentiment_score":0.016907639801502228},{"text":"That's right.","start":2162.2551,"end":2162.735,"sentiment":"neutral","sentiment_score":0.10190954804420471},{"text":"And that's what I'm getting at with both the conversation we just had before about the car and this situation too.","start":2162.735,"end":2168.335,"sentiment":"neutral","sentiment_score":0.05795581443678765},{"text":"It's like, are we gonna get the benefits out of that?","start":2168.335,"end":2170.975,"sentiment":"neutral","sentiment_score":0.05924969132650982}],"sentiment":"neutral","sentiment_score":0.0589916186614169,"num_words":36,"start":2157.51,"end":2170.975},{"sentences":[{"text":"What do you guys say?","start":2170.975,"end":2172.175,"sentiment":"neutral","sentiment_score":-0.036991743743419646},{"text":"If I am, I'm all in.","start":2172.175,"end":2173.695,"sentiment":"neutral","sentiment_score":-0.001958345373471578},{"text":"That's fine.","start":2173.695,"end":2174.2551,"sentiment":"neutral","sentiment_score":0.15196745842695236},{"text":"I'm I'm happy with that.","start":2174.2551,"end":2175.2952,"sentiment":"neutral","sentiment_score":0.21680130064487457},{"text":"But if I'm not, well, what's the point?","start":2175.2952,"end":2177.8901,"sentiment":"neutral","sentiment_score":-0.1407024459913373}],"sentiment":"neutral","sentiment_score":0.0025235792765250574,"num_words":26,"start":2170.975,"end":2177.8901},{"sentences":[{"text":"Yep.","start":2179.55,"end":2180.05,"sentiment":"neutral","sentiment_score":0.06558442115783691},{"text":"Yeah.","start":2180.99,"end":2181.4702,"sentiment":"neutral","sentiment_score":0.08005927503108978},{"text":"Laura's got it up.","start":2181.4702,"end":2182.6902,"sentiment":"neutral","sentiment_score":0.06562338210642338},{"text":"Yeah.","start":2186.51,"end":2186.9102,"sentiment":"neutral","sentiment_score":0.14953915774822235},{"text":"Yep.","start":2186.9102,"end":2187.23,"sentiment":"neutral","sentiment_score":0.25308480858802795}],"sentiment":"neutral","sentiment_score":0.10134514886885881,"num_words":8,"start":2179.55,"end":2187.23},{"sentences":[{"text":"Fantastic.","start":2187.23,"end":2187.73,"sentiment":"positive","sentiment_score":0.5017054080963135},{"text":"Like, yeah, she sent that through to you with the employee benefit.","start":2187.9502,"end":2191.1702,"sentiment":"neutral","sentiment_score":0.2941684424877167},{"text":"Yes.","start":2192.1548,"end":2192.4749,"sentiment":"neutral","sentiment_score":0.10640044510364532},{"text":"Because I may need a Laura for argument.","start":2192.4749,"end":2194.395,"sentiment":"neutral","sentiment_score":0.04739253269508481},{"text":"So she would be one of the beneficiaries if I pay for that.","start":2194.395,"end":2197.355,"sentiment":"neutral","sentiment_score":0.08524371626285407}],"sentiment":"neutral","sentiment_score":0.16072673531515258,"num_words":35,"start":2187.23,"end":2197.355},{"sentences":[{"text":"She goes down to work two times a year.","start":2197.355,"end":2199.9148,"sentiment":"neutral","sentiment_score":0.011489606151978174},{"text":"You know what I mean?","start":2199.9148,"end":2200.795,"sentiment":"neutral","sentiment_score":0.005518620274960995},{"text":"So she she might say to her company, no.","start":2200.795,"end":2203.515,"sentiment":"neutral","sentiment_score":-0.04584933713906341},{"text":"Well, I've got this thing paid through them.","start":2203.515,"end":2205.86,"sentiment":"neutral","sentiment_score":0.09712752420455217},{"text":"Do you know what I'll know if we get it to I don't know.","start":2205.86,"end":2207.9402,"sentiment":"neutral","sentiment_score":-0.00012284889817237854}],"sentiment":"neutral","sentiment_score":0.0109701295900676,"num_words":45,"start":2197.355,"end":2207.9402},{"sentences":[{"text":"I don't know what the exact benefits of it are.","start":2207.9402,"end":2211.4001,"sentiment":"neutral","sentiment_score":-0.07211644276976585},{"text":"But, yeah, there's a terms and conditions, and there's all sorts of things you can have a look through there, Tommy.","start":2212.26,"end":2218.74,"sentiment":"neutral","sentiment_score":0.16081869584463893},{"text":"So Laura has brought that up, so that should help you understand, you know, what what we can get out of it.","start":2218.74,"end":2231.675,"sentiment":"neutral","sentiment_score":0.20911322432485493},{"text":"Yes.","start":2231.675,"end":2231.97,"sentiment":"neutral","sentiment_score":0.0967014506459236},{"text":"Yep.","start":2235.09,"end":2235.59,"sentiment":"neutral","sentiment_score":0.04648155719041824}],"sentiment":"neutral","sentiment_score":0.1345400386913256,"num_words":55,"start":2207.9402,"end":2235.59},{"sentences":[{"text":"Yep.","start":2236.45,"end":2236.95,"sentiment":"neutral","sentiment_score":0.16450610756874084},{"text":"Yep.","start":2237.73,"end":2238.13,"sentiment":"neutral","sentiment_score":0.28847211599349976},{"text":"Yep.","start":2238.13,"end":2238.63,"sentiment":"neutral","sentiment_score":0.2603306174278259},{"text":"Yep.","start":2242.13,"end":2242.63,"sentiment":"positive","sentiment_score":0.4057961106300354},{"text":"Okay.","start":2247.4648,"end":2247.6516,"sentiment":"neutral","sentiment_score":0.08244332671165466}],"sentiment":"neutral","sentiment_score":0.24030965566635132,"num_words":5,"start":2236.45,"end":2247.6516},{"sentences":[{"text":"I think so.","start":2247.6516,"end":2248.345,"sentiment":"neutral","sentiment_score":0.07149004191160202},{"text":"I don't think so.","start":2248.345,"end":2248.985,"sentiment":"neutral","sentiment_score":-0.01549213146790862},{"text":"I don't think anything else at the end poll yet, but I'm sure I will.","start":2248.985,"end":2251.945,"sentiment":"neutral","sentiment_score":0.004050185531377792},{"text":"We need to make an appointment with with Grant too to sort out our next Yeah.","start":2251.945,"end":2256.665,"sentiment":"neutral","sentiment_score":0.05453284690156579},{"text":"What everything looks like.","start":2256.665,"end":2257.945,"sentiment":"neutral","sentiment_score":0.015044133178889751}],"sentiment":"neutral","sentiment_score":0.027284677761296432,"num_words":42,"start":2247.6516,"end":2257.945},{"sentences":[{"text":"Loans.","start":2257.945,"end":2258.425,"sentiment":"neutral","sentiment_score":0.015402870252728462},{"text":"Yeah.","start":2258.425,"end":2258.665,"sentiment":"neutral","sentiment_score":0.05579564720392227},{"text":"Our loan and how he's gonna structure all that and whatever budget it.","start":2258.665,"end":2263.8901,"sentiment":"neutral","sentiment_score":0.07829030832419029},{"text":"And that's gonna change a little bit.","start":2263.8901,"end":2265.57,"sentiment":"neutral","sentiment_score":0.03853457447673593},{"text":"Something we didn't tell you actually I mean, is that we actually got a high interest account with Qudos, which this high interest account, if you leave it in anything over 500,000, it's 3.95% we earn per month on that money, but you can take that money, like, lump sums of that money at any time you want, and you don't lose it.","start":2265.57,"end":2288.31,"sentiment":"neutral","sentiment_score":0.14529442958652028}],"sentiment":"neutral","sentiment_score":0.12367368954069474,"num_words":85,"start":2257.945,"end":2288.31},{"sentences":[{"text":"Lose the interest on the amount left, if that makes sense.","start":2288.79,"end":2292.33,"sentiment":"neutral","sentiment_score":0.15631542151624506},{"text":"So we're putting up some in that through until we're ready to cross over for the next property.","start":2293.35,"end":2298.31,"sentiment":"neutral","sentiment_score":0.14683446972372216},{"text":"Just thought, you know, if we earn $10 out of that in the three months, so it takes us I mean, it's better than not earning anything.","start":2298.31,"end":2303.9749,"sentiment":"neutral","sentiment_score":0.20325739543747018},{"text":"Yeah?","start":2303.9749,"end":2304.4749,"sentiment":"neutral","sentiment_score":0.2049087285995483},{"text":"Yeah.","start":2306.615,"end":2307.115,"sentiment":"neutral","sentiment_score":0.31971633434295654}],"sentiment":"neutral","sentiment_score":0.17888042812861887,"num_words":58,"start":2288.79,"end":2307.115},{"sentences":[{"text":"Yep.","start":2310.4548,"end":2310.9548,"sentiment":"positive","sentiment_score":0.4077304601669311},{"text":"Yes.","start":2312.855,"end":2313.355,"sentiment":"positive","sentiment_score":0.4013436436653137},{"text":"Yep.","start":2314.055,"end":2314.44,"sentiment":"neutral","sentiment_score":0.19257506728172305},{"text":"Well, we actually put it in Laura's name too, mate, not in mine for tax purposes.","start":2314.52,"end":2318.6199,"sentiment":"neutral","sentiment_score":0.08800873346626759},{"text":"Yep.","start":2325.4,"end":2325.9,"sentiment":"neutral","sentiment_score":0.12109305709600449}],"sentiment":"neutral","sentiment_score":0.1265440981835127,"num_words":20,"start":2310.4548,"end":2325.9},{"sentences":[{"text":"Yep.","start":2335.0151,"end":2335.415,"sentiment":"neutral","sentiment_score":0.10564124584197998},{"text":"Yeah.","start":2335.415,"end":2335.5752,"sentiment":"neutral","sentiment_score":0.11834539473056792},{"text":"Which that's already in, mate.","start":2335.5752,"end":2336.935,"sentiment":"neutral","sentiment_score":0.1686652570962906},{"text":"That's done.","start":2336.935,"end":2337.5752,"sentiment":"neutral","sentiment_score":0.25781604647636414},{"text":"We were finalized the other day.","start":2337.5752,"end":2339.19,"sentiment":"neutral","sentiment_score":0.2959403519829114}],"sentiment":"neutral","sentiment_score":0.22390580872694651,"num_words":15,"start":2335.0151,"end":2339.19},{"sentences":[{"text":"We'll never see that many dollars in our account ever again.","start":2339.67,"end":2342.79,"sentiment":"neutral","sentiment_score":0.10920902206139131},{"text":"We will if we do the right thing, but we'll just be a bit old enough.","start":2342.79,"end":2346.3298,"sentiment":"neutral","sentiment_score":-0.021274046739563346},{"text":"We'll be 16.","start":2346.39,"end":2347.27,"sentiment":"neutral","sentiment_score":-0.00007581172879630078},{"text":"Stop talking to Tommy in your.","start":2347.27,"end":2348.89,"sentiment":"neutral","sentiment_score":-0.06502097720901172},{"text":"Remember what you said?","start":2348.95,"end":2350.17,"sentiment":"neutral","sentiment_score":-0.006095283664762974}],"sentiment":"neutral","sentiment_score":0.011154501543569496,"num_words":40,"start":2339.67,"end":2350.17},{"sentences":[{"text":"Yeah.","start":2356.0652,"end":2356.145,"sentiment":"positive","sentiment_score":0.3533809781074524},{"text":"That'll be lovely.","start":2356.145,"end":2356.885,"sentiment":"positive","sentiment_score":0.5674067338307699},{"text":"Yeah.","start":2363.425,"end":2363.925,"sentiment":"neutral","sentiment_score":0.022811084985733032},{"text":"Yeah.","start":2375.77,"end":2376.1702,"sentiment":"neutral","sentiment_score":0.10408760607242584},{"text":"A 100%, mate.","start":2376.1702,"end":2377.05,"sentiment":"neutral","sentiment_score":0.23591500024000803}],"sentiment":"neutral","sentiment_score":0.32113831904199386,"num_words":9,"start":2356.0652,"end":2377.05},{"sentences":[{"text":"Well, the funny part of it, you'll have to tell her that she can't afford business everywhere.","start":2377.05,"end":2381.7349,"sentiment":"neutral","sentiment_score":-0.18095860126263955},{"text":"Yeah.","start":2385.7148,"end":2386.115,"sentiment":"neutral","sentiment_score":-0.04585372284054756},{"text":"Yeah.","start":2386.115,"end":2386.355,"sentiment":"neutral","sentiment_score":-0.02511962689459324},{"text":"Well, that's what I'm saying.","start":2386.355,"end":2387.555,"sentiment":"neutral","sentiment_score":-0.03322425447404385},{"text":"You never know, do you?","start":2387.555,"end":2388.775,"sentiment":"neutral","sentiment_score":-0.036092881485819815}],"sentiment":"neutral","sentiment_score":-0.12047776727583902,"num_words":29,"start":2377.05,"end":2388.775},{"sentences":[{"text":"Mhmm.","start":2401.6501,"end":2402.1301,"sentiment":"negative","sentiment_score":-0.49147680401802063},{"text":"That's good.","start":2402.1301,"end":2402.9502,"sentiment":"positive","sentiment_score":0.43935588002204895},{"text":"Congratulations.","start":2408.415,"end":2408.915,"sentiment":"positive","sentiment_score":0.7218644022941589},{"text":"That would be good.","start":2413.295,"end":2414.355,"sentiment":"positive","sentiment_score":0.6545353680849075},{"text":"Yep.","start":2419.65,"end":2420.15,"sentiment":"positive","sentiment_score":0.37017664313316345}],"sentiment":"positive","sentiment_score":0.45526860819922554,"num_words":9,"start":2401.6501,"end":2420.15},{"sentences":[{"text":"Yes.","start":2421.5698,"end":2421.97,"sentiment":"neutral","sentiment_score":0.31022411584854126},{"text":"Thanks, Steve.","start":2421.97,"end":2422.8699,"sentiment":"positive","sentiment_score":0.5087734162807465},{"text":"Would you like us to see Grant before that point, Tommy?","start":2423.25,"end":2426.45,"sentiment":"neutral","sentiment_score":0.16331992162899536},{"text":"So we've got figures and everything, like, sort of all ready to go to book basically lay out in front of you guys and go, this is where we are.","start":2426.45,"end":2433.1099,"sentiment":"neutral","sentiment_score":0.32257331609725953},{"text":"Mhmm.","start":2434.655,"end":2435.135,"sentiment":"neutral","sentiment_score":0.1065712422132492}],"sentiment":"neutral","sentiment_score":0.2868457958102226,"num_words":45,"start":2421.5698,"end":2435.135},{"sentences":[{"text":"Right.","start":2435.135,"end":2435.635,"sentiment":"neutral","sentiment_score":0.08059024065732956},{"text":"Yep.","start":2435.935,"end":2436.435,"sentiment":"neutral","sentiment_score":0.1090901419520378},{"text":"Yep.","start":2436.975,"end":2437.475,"sentiment":"neutral","sentiment_score":0.19290703535079956},{"text":"Yep.","start":2440.175,"end":2440.675,"sentiment":"neutral","sentiment_score":0.113828644156456},{"text":"Up to date bank statement too, mate, with obviously that high interest account and things would be handy for you guys to see exactly where we're at.","start":2441.615,"end":2448.435,"sentiment":"neutral","sentiment_score":0.1384152607233436}],"sentiment":"neutral","sentiment_score":0.1365686484402226,"num_words":31,"start":2435.135,"end":2448.435},{"sentences":[{"text":"Okay.","start":2454.63,"end":2454.8699,"sentiment":"neutral","sentiment_score":0.13507547974586487},{"text":"Great.","start":2454.8699,"end":2455.3699,"sentiment":"positive","sentiment_score":0.37302422523498535},{"text":"Yes.","start":2457.91,"end":2458.41,"sentiment":"neutral","sentiment_score":0.01630380004644394},{"text":"Nah.","start":2459.75,"end":2459.99,"sentiment":"neutral","sentiment_score":0.04044537246227264},{"text":"Nah, mate.","start":2459.99,"end":2460.63,"sentiment":"neutral","sentiment_score":0.0979568362236023}],"sentiment":"neutral","sentiment_score":0.12679375832279524,"num_words":6,"start":2454.63,"end":2460.63},{"sentences":[{"text":"I'm pretty good with that sort of stuff.","start":2460.63,"end":2462.665,"sentiment":"neutral","sentiment_score":0.25774479657411575},{"text":"So I will make I will endeavor to have everything there, mate, including even just a copy of, you know, the thing, whatever.","start":2462.665,"end":2470.7449,"sentiment":"neutral","sentiment_score":0.20543949759524802},{"text":"Whatever we're gonna discuss, whatever we discussed here today, I'll just have a copy of everything, hard copy, so it'll make it easier.","start":2470.7449,"end":2477.005,"sentiment":"neutral","sentiment_score":0.19844098972237628},{"text":"Right.","start":2487.04,"end":2487.54,"sentiment":"neutral","sentiment_score":0.10960879921913148},{"text":"Yep.","start":2487.6,"end":2488.1,"sentiment":"neutral","sentiment_score":0.010416870936751366}],"sentiment":"neutral","sentiment_score":0.20484348662596727,"num_words":56,"start":2460.63,"end":2488.1},{"sentences":[{"text":"I think budgeting and variable one for us to just just create a new place just to see what you your thoughts were on it, what what we sort of do and what you where you think maybe we could improve.","start":2488.1602,"end":2497.255,"sentiment":"neutral","sentiment_score":0.08615578947270788},{"text":"I don't know if we can and we can't, but yeah.","start":2497.255,"end":2500.155,"sentiment":"neutral","sentiment_score":-0.1343834992836822},{"text":"Yes.","start":2506.055,"end":2506.44,"sentiment":"neutral","sentiment_score":0.18103629350662231},{"text":"Yeah.","start":2508.5999,"end":2508.92,"sentiment":"neutral","sentiment_score":0.2815661132335663},{"text":"Okay.","start":2508.92,"end":2509.24,"sentiment":"positive","sentiment_score":0.3907875716686249}],"sentiment":"neutral","sentiment_score":0.05286470644853332,"num_words":55,"start":2488.1602,"end":2509.24},{"sentences":[{"text":"That sounds good.","start":2509.24,"end":2509.88,"sentiment":"positive","sentiment_score":0.6082961757977804},{"text":"We'll bring all that in too.","start":2509.88,"end":2511.5,"sentiment":"positive","sentiment_score":0.4616740345954895},{"text":"Too easy.","start":2511.56,"end":2512.3,"sentiment":"positive","sentiment_score":0.4060521572828293},{"text":"Yep.","start":2517.48,"end":2517.98,"sentiment":"neutral","sentiment_score":0.05193699151277542},{"text":"Yeah.","start":2520.3252,"end":2520.485,"sentiment":"neutral","sentiment_score":0.09819237887859344}],"sentiment":"positive","sentiment_score":0.42747433999410045,"num_words":13,"start":2509.24,"end":2520.485},{"sentences":[{"text":"Well, I think that'll help once we spoke to Grant because we're gonna know.","start":2520.485,"end":2523.365,"sentiment":"neutral","sentiment_score":0.15955941485507147},{"text":"We'll know where our insurances need to be.","start":2523.365,"end":2525.205,"sentiment":"neutral","sentiment_score":0.0794207388535142},{"text":"Yep.","start":2525.205,"end":2525.705,"sentiment":"neutral","sentiment_score":0.13991117477416992},{"text":"Yes.","start":2531.7651,"end":2532.2651,"sentiment":"neutral","sentiment_score":0.08796889334917068},{"text":"Yeah.","start":2532.3252,"end":2532.485,"sentiment":"neutral","sentiment_score":0.09375479072332382}],"sentiment":"neutral","sentiment_score":0.12763330310583115,"num_words":25,"start":2520.485,"end":2532.485},{"sentences":[{"text":"Absolutely.","start":2532.485,"end":2532.985,"sentiment":"neutral","sentiment_score":0.08484508097171783},{"text":"Yep.","start":2533.6052,"end":2534.0051,"sentiment":"neutral","sentiment_score":0.09993498027324677},{"text":"Yep.","start":2534.0051,"end":2534.46,"sentiment":"neutral","sentiment_score":0.1374291628599167},{"text":"Probably Friday, maybe the seventeenth or the twenty fifth twenty fourth.","start":2545.74,"end":2551.355,"sentiment":"neutral","sentiment_score":0.05509687147357247},{"text":"The twenty fourth for.","start":2551.355,"end":2552.315,"sentiment":"neutral","sentiment_score":0.045343502424657345}],"sentiment":"neutral","sentiment_score":0.06164715666737822,"num_words":18,"start":2532.485,"end":2552.315},{"sentences":[{"text":"It's fine to see me.","start":2552.315,"end":2554.635,"sentiment":"neutral","sentiment_score":0.10460423231124878},{"text":"Are we?","start":2554.635,"end":2555.035,"sentiment":"neutral","sentiment_score":0.042219262570142746},{"text":"No.","start":2555.035,"end":2555.2751,"sentiment":"neutral","sentiment_score":-0.05157976597547531},{"text":"No.","start":2555.2751,"end":2555.5151,"sentiment":"neutral","sentiment_score":-0.05829451233148575},{"text":"We're not.","start":2555.5151,"end":2555.915,"sentiment":"neutral","sentiment_score":-0.06547322683036327}],"sentiment":"neutral","sentiment_score":0.033330814066258346,"num_words":11,"start":2552.315,"end":2555.915},{"sentences":[{"text":"Okay.","start":2555.915,"end":2556.235,"sentiment":"neutral","sentiment_score":0.003521932289004326},{"text":"Sorry.","start":2556.235,"end":2556.735,"sentiment":"neutral","sentiment_score":-0.016023360192775726},{"text":"Forget, mate.","start":2557.595,"end":2558.475,"sentiment":"neutral","sentiment_score":0.01235651783645153},{"text":"Maybe the seventeenth.","start":2558.475,"end":2559.455,"sentiment":"neutral","sentiment_score":0.027458653474847477},{"text":"We'll be back in or we'll be back.","start":2559.835,"end":2561.535,"sentiment":"neutral","sentiment_score":0.07414992665871978}],"sentiment":"neutral","sentiment_score":0.04585246543089549,"num_words":15,"start":2555.915,"end":2561.535},{"sentences":[{"text":"Yes.","start":2565.74,"end":2566.24,"sentiment":"neutral","sentiment_score":0.13397002220153809},{"text":"Yep.","start":2567.9001,"end":2568.4001,"sentiment":"neutral","sentiment_score":0.22274433076381683},{"text":"Yep.","start":2572.7,"end":2572.86,"sentiment":"neutral","sentiment_score":0.12091566622257233},{"text":"Right.","start":2572.86,"end":2573.36,"sentiment":"neutral","sentiment_score":0.10292679071426392},{"text":"Let me do ten after school drop off.","start":2578.225,"end":2579.985,"sentiment":"neutral","sentiment_score":0.11196508817374706}],"sentiment":"neutral","sentiment_score":0.1230231262743473,"num_words":12,"start":2565.74,"end":2579.985},{"sentences":[{"text":"Yeah.","start":2579.985,"end":2580.145,"sentiment":"neutral","sentiment_score":0.11476289480924606},{"text":"Maybe ten.","start":2580.145,"end":2580.705,"sentiment":"neutral","sentiment_score":0.09361321479082108},{"text":"We can drop the girls to school and then We'll go have breakfast, and then we'll come and see.","start":2580.705,"end":2584.485,"sentiment":"neutral","sentiment_score":0.1660248056838387},{"text":"People.","start":2590.32,"end":2590.4,"sentiment":"neutral","sentiment_score":0.13470101356506348},{"text":"Absolutely.","start":2590.4,"end":2590.9,"sentiment":"positive","sentiment_score":0.34095287322998047}],"sentiment":"neutral","sentiment_score":0.16383810496578613,"num_words":24,"start":2579.985,"end":2590.9},{"sentences":[{"text":"The long time to think again?","start":2596.96,"end":2598.66,"sentiment":"neutral","sentiment_score":0.030205120022098225},{"text":"Right.","start":2609.855,"end":2610.355,"sentiment":"neutral","sentiment_score":0.190636545419693},{"text":"Correct.","start":2610.655,"end":2611.155,"sentiment":"neutral","sentiment_score":0.13351115584373474},{"text":"Yep.","start":2612.5752,"end":2613.0752,"sentiment":"neutral","sentiment_score":0.32821589708328247},{"text":"Sounds good, Tommy.","start":2615.76,"end":2616.74,"sentiment":"positive","sentiment_score":0.7414340178171793}],"sentiment":"neutral","sentiment_score":0.25482469766090315,"num_words":12,"start":2596.96,"end":2616.74},{"sentences":[{"text":"You take it easy, mate.","start":2616.8,"end":2618.1802,"sentiment":"positive","sentiment_score":0.7002382755279541},{"text":"Correct.","start":2625.28,"end":2625.6,"sentiment":"neutral","sentiment_score":0.21565327048301697},{"text":"Yes.","start":2625.6,"end":2625.84,"sentiment":"positive","sentiment_score":0.3710290193557739},{"text":"Fantastic.","start":2625.84,"end":2626.34,"sentiment":"positive","sentiment_score":0.8039975166320801},{"text":"Will do.","start":2626.48,"end":2626.9602,"sentiment":"positive","sentiment_score":0.7584468722343445}],"sentiment":"positive","sentiment_score":0.640876492857933,"num_words":10,"start":2616.8,"end":2626.9602},{"sentences":[{"text":"Thank you, mate.","start":2626.9602,"end":2627.86,"sentiment":"positive","sentiment_score":0.8309589227040609}],"sentiment":"positive","sentiment_score":0.8309589227040609,"num_words":3,"start":2626.9602,"end":2627.86}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hey, guys. It's Tommy from Oakview. How are you doing?\n\nChannel 1: Good. How are you?\n\nChannel 0: Good. Thank you. Happy Friday. I was just trying to call Blake's mobile, but it was engaged for some reason. So I thought I'd try yours, Laura.\n\nChannel 1: Yeah. No worries. I don't know why, but yep.\n\nChannel 0: We we do seem to be communication curse at the moment, which was\n\nChannel 1: Awesome.\n\nChannel 0: always the way. Do you both have a little bit of time this morning, or will\n\nChannel 1: Yeah.\n\nChannel 0: I just go through with Blake today? What would be the preference?\n\nChannel 1: Yeah. No. We're both here. So I'm just on the computer at the same time, but all good.\n\nChannel 0: Perfect. Perfect. And I do apologize this morning. I made sure I sent the invite out to Teams last night and for some reason disappeared in the last half an hour.\n\nChannel 1: Of course, it did.\n\nChannel 0: I've sent through that statement of advice, Laura. It already said that you've signed it so far. Do you have the document open in front of you?\n\nChannel 1: I can do that.\n\nChannel 0: Perfect. And how are you going over there, Blake?\n\nChannel 1: You hear what I might do?\n\nChannel 0: Fantastic. It's actually been a really good week, and I was really looking forward to chatting to you guys today. But, yeah, it's been a fantastic week.\n\nChannel 1: Yeah. All good, man. That's good. Alright.\n\nChannel 0: While you guys are grabbing that document up, I did wanna just quickly ask you as well. With the timing of the sale of the property and everything,\n\nChannel 1: Mhmm.\n\nChannel 0: is May. Do you think a good time for us to catch up in May? Do you think you'll have all of the proceeds by then being moved in? Or\n\nChannel 1: We're hoping to be moved in by May. Yep. I'd like to see you before that, Tommy, and go through some bits and pieces, mate, that we're try I'm trying to figure out in my own head.\n\nChannel 0: Yeah. That'll be good because I wanna make sure that we've got enough time to do anything contribution wise before the end of financial year because sometimes June can be a little bit of a rush.\n\nChannel 1: Yep.\n\nChannel 0: And if we need to go through again, like, what to do with the funds, whether it's investments and movements around and things like that,\n\nChannel 1: Yep.\n\nChannel 0: would you would your preference be to kind of pop into, like, the office for that or just a Teams call, phone? What would kind\n\nChannel 1: I'd\n\nChannel 0: of work\n\nChannel 1: rather\n\nChannel 0: for you\n\nChannel 1: I'd,\n\nChannel 0: guys?\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'd rather come in, mate, with all the information in front of us. Yeah. I don't know about Laura, but I would, yeah, just so we can discuss it and go through it\n\nChannel 0: Yeah.\n\nChannel 1: and get\n\nChannel 0: Especially\n\nChannel 1: a proper\n\nChannel 0: the\n\nChannel 1: understanding.\n\nChannel 0: the visual side of it is gonna be really important, especially\n\nChannel 1: Yeah.\n\nChannel 0: given all the moving parts. I'd rather even just bring up the old whiteboard and kind of map it out for you guys a little bit.\n\nChannel 1: That'd be great, mate. Yeah. I'd I'd like that.\n\nChannel 0: Cool. The nice and easy one this morning. So, again, we were just holding off on doing anything contribution wise until that's all finalized. So\n\nChannel 1: Well,\n\nChannel 0: this\n\nChannel 1: that\n\nChannel 0: is\n\nChannel 1: is\n\nChannel 0: purely\n\nChannel 1: that that yeah. That went through the other day, mate, so we can actually have that meeting whenever you We don't know the news. We don't know about the other side of things that we haven't completed the purchase of the other plates, though.\n\nChannel 0: yeah. Gotcha. Gotcha.\n\nChannel 1: Yep.\n\nChannel 0: Gotcha. Okay. Cool. So I'll work that in a little bit too over the next sort of month or so. I might just walk through this document today because this is just a portfolio update, and then we'll\n\nChannel 1: Yep.\n\nChannel 0: kind of book in for that next catch up.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Cool. Most of this, if you have a little bit of scroll through the document, you guys have been through SOAs before, so I won't bore you with some of the the basic details.\n\nChannel 1: Yep.\n\nChannel 0: Can you pop through to page three zero four for me where it's got the scope of advice listed?\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. So this is just capturing, again, overarching retirement goals, that early retirement around 60, the review of the superannuation, someone, which is what we're really focusing on today. And there was just a couple of reminders in there just to make sure all the wills and power of attorney and things, estate planning wise, are up to date because your beneficiaries are all accurate, if that makes sense.\n\nChannel 1: Mhmm. I\n\nChannel 0: Cool.\n\nChannel 1: don't think we've done our rules yet, but we've definitely done all the others.\n\nChannel 0: Yeah. And it's one of those things too where there's always three options for basic setups. You can do a $25 will kit from the post office. There's obviously\n\nChannel 1: Yep.\n\nChannel 0: lawyers, of course, but you've also got the public trustee of the state can also do appointments, you know, kind of like the courthouse. They can do appointments for the same thing.\n\nChannel 1: Mhmm.\n\nChannel 0: As far as what we're not doing at the moment, so with the insurances, we're basically just talking about holding off on that for the time being. So once you've got the finalized sort of build in Paradise Pointe, we'll know a bit more about the final debt. I know, Blake, you said it's gonna be around $8.50 to 900,000. Is that right?\n\nChannel 1: Yeah. And then you gotta I think we gotta take into consideration on the end of that, mate. It's the what do you call it? The lost and trying to sort again.\n\nChannel 0: No. You're right. It is the end of the week. It'll come back to you.\n\nChannel 1: Yeah. Stamp duty? Stamp duty.\n\nChannel 0: Stamp duty. Yep. Yep. And I've put\n\nChannel 1: Yep.\n\nChannel 0: in a few things in this document just about paying the parents back for that deposit assistance\n\nChannel 1: Yep. Yep.\n\nChannel 0: and things like that. So you're\n\nChannel 1: Yep.\n\nChannel 0: looking at clearing maybe $8.80 approximately. Would would you say that's before or after stamp duty?\n\nChannel 1: 4\n\nChannel 0: Before. Yep. Cool. I've put in some\n\nChannel 1: four.\n\nChannel 0: of the\n\nChannel 1: Yep.\n\nChannel 0: cash flow and debt management goals because, obviously, this document just deals with updating your super portfolio. But, again, I've just noted down that that's all being finalized very soon. We'll talk about future investments, contributions, what to do with properties in cash, and so on, both in terms of lump sums and cash flow in our next catch up.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The situation for your current\n\nChannel 1: Mhmm.\n\nChannel 0: finances can you flick through to page seven or eight for me? I did a little bit of a jiggle around with the figures just to add in some additional context, and just wanna make sure you guys are happy with what I've written. So in your about you section, there's a table there. Like, I've put you down at around about 200,000 for the income at the moment because I know based on everything that you've just last time, which you're basically like, I'm going over 200. It'll probably end up being $2.40.\n\nAnd at some point with all the OT that's coming up, you could even surge well above that to the $300,000 mark. Does that sound right from what you were saying?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So I'm going a bit more conservative, just keeping it at 200 at the moment. And then once we get a bit more handle on what that OT looks like, I'll just update it. K. And, Laura, for yours, actually, I've worked back your contributions from work, and it's been pretty consistent the last twelve months.\n\nSo it kinda looks like you're on around about $7,071,000. Does that sound right to you?\n\nChannel 1: Yeah. Sounds about right.\n\nChannel 0: Perfect. Alright. So there's a bit of context down there below for both of you guys and how I arrived at those figures. And then if you go to your lifestyle assets and liabilities on the next page, I've just put in there the investment property in Sydney, which the the debt was remaining on that was a mil 60, and I think the purchase price you guys settled on was 2 mil 50. Is that right?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Perfect. And I've just put the duplex in as pending because I don't wanna attribute that as an asset if it's not kind of built finalized and the loan's not there just yet. But as soon as we get that, I'll update the system as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you go through the next section, so we've got the two Hub 24 Supers. We've got the MetLife policy. We've got the Encompass policy there on pages eight, nine, and 10. And if you go through to page 11, we just got your high growth risk profile at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. The strategy on page thirteen and fourteen, that's probably the main text heavy area I just wanted to run by you guys before you decide. Just let me know when you can see that. It should say\n\nChannel 1: Yep.\n\nChannel 0: this one's for Blake specifically, and I've kind of copied the same thing for both of you guys. So what we're doing at the moment, I took into account I don't know if you remember last year when we were speaking, you were wanting to kind of avoid, like, battery tech, lithium, that type of area given everything that was going on in your industry. Does that\n\nChannel 1: Yep.\n\nChannel 0: ring a bit of light?\n\nChannel 1: Yeah. It does, mate. I'll just I wanna revisit that, mate, whether that's a good what your thoughts are on that at\n\nChannel 0: Yeah. It's one of those ones where\n\nChannel 1: the\n\nChannel 0: those sectors, there'll be some growth\n\nChannel 1: moment.\n\nChannel 0: long term anyways.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: It's getting away from that space and going a little bit more into your industry, which\n\nChannel 1: Yeah.\n\nChannel 0: is kind of what I've done, is going a bit more traditional, bigger companies that are that are investing in your space, especially domestically\n\nChannel 1: Yep.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: It's gonna have a pretty similar outcome. Like, some of those sectors, they're gonna be quite different over a single year where\n\nChannel 1: Yep.\n\nChannel 0: one may jump up 30%, the other 15, and then vice versa the year afterwards. But I do see it averaging out pretty similar over a\n\nChannel 1: Right.\n\nChannel 0: five year period.\n\nChannel 1: Right. Yep.\n\nChannel 0: And if it's one of those things where we go through and there's some news updates and some industry updates where you go, actually, there's a really big movement in one space or the other, I can\n\nChannel 1: Yep.\n\nChannel 0: kind of jiggle it back in. That's no trouble at all.\n\nChannel 1: Okay. That and that that was around the discussion we had about you having more control to move things around than just being stuck in that\n\nChannel 0: A\n\nChannel 1: space.\n\nChannel 0: little bit. Yeah. And\n\nChannel 1: Yep.\n\nChannel 0: I haven't gone through to recommend our SMA just yet\n\nChannel 1: Yep.\n\nChannel 0: for that new structure, but\n\nChannel 1: Yep.\n\nChannel 0: I've just updated some of the options in the portfolio. The main one for you guys, the real reason for this, is I wanted to remove that Benelon option, which was kind of underperforming in Australia.\n\nChannel 1: Mhmm.\n\nChannel 0: That's\n\nChannel 1: Yes.\n\nChannel 0: kind of the main anchor. Performance\n\nChannel 1: Yep.\n\nChannel 0: has been good overall, but I just wanted to make sure that was fixed up\n\nChannel 1: Yep.\n\nChannel 0: and just going a bit more traditional with it.\n\nChannel 1: Okay.\n\nChannel 0: K?\n\nChannel 1: How much is that phone underperforming, Tommy?\n\nChannel 0: It's kind of been negative for the year. So with\n\nChannel 1: Yeah.\n\nChannel 0: most of your options going up twenty, thirty, 60%, that one's\n\nChannel 1: Yeah.\n\nChannel 0: down 19, and\n\nChannel 1: Yep.\n\nChannel 0: the Aussie market's been kind of flat for the year. So it's kind of just shot off in a downward direction away from the pack.\n\nChannel 1: Yeah. I can see that actually when I look at your investment thing now. I was just pointing\n\nChannel 0: Yeah.\n\nChannel 1: it\n\nChannel 0: So one of\n\nChannel 1: because\n\nChannel 0: the cool\n\nChannel 1: I've I've seen on my supermax just sort of it feels like it's a bit of a, what\n\nChannel 0: things\n\nChannel 1: do you call it? The Pyramids Of Egypt at the moment. It's up, down, and around. You know? And I mean, that's sort of where it's hasn't moved down, I hope, and it hasn't moved up, I hope.\n\nIt's just sort of level pegged for a while.\n\nChannel 0: Yeah. Exactly. Right. And that's\n\nChannel 1: Yep.\n\nChannel 0: kind of what I'm expecting for this year given sort of what's going on geopolitically. What\n\nChannel 1: Yep.\n\nChannel 0: I'm kind of expecting at the moment and why I've chosen these options is once that volatility settles down, this is gonna give you the most consistent sort of guaranteed return on the way out\n\nChannel 1: Yep.\n\nChannel 0: rather than trying to pick the winners and losers this year given how uncertain it is.\n\nChannel 1: Yep.\n\nChannel 0: So what we're basically doing is it's gonna be up and down quite a lot. One of the tricks that I've done is because because Hub\n\nChannel 1: Yep.\n\nChannel 0: 24 is a wrap platform, I won't go too technical with it, but we've got full control over capital gains tax under the hood as\n\nChannel 1: Yep.\n\nChannel 0: opposed to a usual super fund. So when we sell something, we can buy something else and kind of offset the capital gains.\n\nChannel 1: Lost Okay.\n\nChannel 0: So why I wanted to make these changes now is because if Ben Long's down and we sell out of that one, that offsets almost all the gains for all the other options I wanna rebalance.\n\nChannel 1: Okay.\n\nChannel 0: So chops out, like, 80% of the capital gains tax for your super.\n\nChannel 1: Great. Yep.\n\nChannel 0: Cool. So\n\nChannel 1: That's\n\nChannel 0: it's just\n\nChannel 1: that's\n\nChannel 0: a bit of\n\nChannel 1: what\n\nChannel 0: a\n\nChannel 1: the bottom bit was\n\nChannel 0: accounting\n\nChannel 1: about that\n\nChannel 0: trick.\n\nChannel 1: I read about. I I couldn't understand that, so now I get it. Yep.\n\nChannel 0: Yeah. Yep. So, again, we're just trying to improve the position over five to ten years. Retirement's a while away. The options we've picked, we've got lower investment fees, better track record, and more consistent\n\nChannel 1: Yep.\n\nChannel 0: through different\n\nChannel 1: Yep.\n\nChannel 0: scenarios. Again, there's so\n\nChannel 1: Yep.\n\nChannel 0: much uncertainty. I didn't wanna go crazy with it. But, again,\n\nChannel 1: Yep.\n\nChannel 0: because you're super, so large, even with offsetting most of the capital gains, it's still gonna pay about 1,600 in tax from all the gains from, like, your gold fund and all this kind of\n\nChannel 1: Yeah.\n\nChannel 0: thing as well.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. I saw that.\n\nYep.\n\nChannel 0: Yep. And one of the main things too, this might seem counterintuitive, but you know how gold's been doing fantastic the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: It's kind of overshot so high that it's become a huge portion of your overall portfolio. So\n\nChannel 1: Yes.\n\nChannel 0: because of wanting to switch some of the options, selling the Benelong, trimming some off the gold, and putting it into the ones I wanted to get in,\n\nChannel 1: Yep.\n\nChannel 0: It's the timing to do that now, but all your\n\nChannel 1: Yep.\n\nChannel 0: contributions, they're still gonna be buying into it consistently. So I'm not reducing\n\nChannel 1: Yep.\n\nChannel 0: it or removing it or getting away from it. I'm just doing a bit of an accounting trick.\n\nChannel 1: Yep. Yeah. So it sounds a bit like what Silver did. When everyone jumped in on Silver, mate, that went so high, and then it then started to drop out.\n\nChannel 0: Yeah. Exactly right. And this\n\nChannel 1: Yep.\n\nChannel 0: type of rebalance, we call it, is\n\nChannel 1: Yep.\n\nChannel 0: basically just buying low to sell high\n\nChannel 1: Yep.\n\nChannel 0: and doing both at the same time. So you trim\n\nChannel 1: Yep.\n\nChannel 0: some of the profit off to\n\nChannel 1: Yep.\n\nChannel 0: buy the dips,\n\nChannel 1: Yep.\n\nChannel 0: switch into\n\nChannel 1: Yep.\n\nChannel 0: what you want, and then it's just gonna be that consistent buy in from all your contributions.\n\nChannel 1: Yep. Yeah. Because isn't copper doing the same thing now? Minerals and that, they're they're it's sort of shooting through the roof too.\n\nChannel 0: Yeah. Everyone's kind of jumping and almost hopping between different metals, and they're\n\nChannel 1: Yes.\n\nChannel 0: all kind of doing a similar pattern at the same time.\n\nChannel 1: Yeah. Yep. No. That's fine. That's sort of what the conversations I've had around at my at the moment.\n\nYeah. So I just sort of sort of run it for you.\n\nChannel 0: Yep. Perfect. On page sort of sixteen, seventeen, it just revisits, like, the asset allocation just showing you that we're going a little bit further away from the Aussie market, a little bit heavier\n\nChannel 1: Yep.\n\nChannel 0: into the international market, still keeping the gold there,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and a little bit of defensive just to keep you guys within that high growth profile. Not going too risky with it, just keeping it consistent.\n\nChannel 1: Yep.\n\nChannel 0: Cool. The performance at the bottom there, the five year rolling average, going backwards, you're averaging in the current options about 12%. We're bumping up to around thirteen, fourteen. And,\n\nChannel 1: Yep.\n\nChannel 0: again, past performance isn't gonna tell us what's gonna happen going forward, but the options\n\nChannel 1: No.\n\nChannel 0: I've picked, they're the most consistent when the market does go up in all sectors. K.\n\nChannel 1: Yep.\n\nChannel 0: There was some alternatives in here that I've considered where I wanted to switch Ben along out for another active fund,\n\nChannel 1: Yep.\n\nChannel 0: but the active funds, it's already outperformed the market going back five years. They don't normally do it for ten years straight, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So it tends to come in like these these phases and waves where the active funds have done fantastic for five years. If I put you in that now and it underperforms the market, it's gonna lag you like the Benelong was doing.\n\nChannel 1: Yes. I\n\nChannel 0: Not\n\nChannel 1: gotcha.\n\nChannel 0: to the same degree. It's fantastic\n\nChannel 1: Uh-huh.\n\nChannel 0: options we've got in the back pocket, but,\n\nChannel 1: Yep.\n\nChannel 0: basically, I'm seeing that kind of passive index space doing the most consistent returns. And once there's some options to swing into some of these other options, I'll revisit that in about two years' time.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool. And that's pretty much the main thing. I've just got in here performance figures, fee differences, and so on. We factored in all the capital gains tax and just wanna check if you guys are are sort of happy with what we've come up with.\n\nChannel 1: Yeah. Yeah. No. That's fine, mate. Yeah.\n\nI think all the other stuff that I wanted to talk about, we can talk about when we're face to face, and I can get through all that. It'll be easy. Yep.\n\nChannel 0: Yep. The last thing I want to mention on the super portfolio\n\nChannel 1: Yep.\n\nChannel 0: is we've kind of pulled out that small allocation to property and gone more metals and stocks. Now you know how in Australia,\n\nChannel 1: Yes.\n\nChannel 0: property is kind of king?\n\nChannel 1: Yep.\n\nChannel 0: That's not really the case when it comes to the ETFs and the managed funds is they don't seem to keep up with the usual residential market.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So\n\nChannel 1: Is that\n\nChannel 0: if you\n\nChannel 1: the\n\nChannel 0: own\n\nChannel 1: channel and\n\nChannel 0: 10\n\nChannel 1: the\n\nChannel 0: properties,\n\nChannel 1: one that we're in or whatever? Is that that the being\n\nChannel 0: not\n\nChannel 1: is it?\n\nChannel 0: the China one, it is VanEck. VanEck.\n\nChannel 1: Yep.\n\nChannel 0: VanEck, whatever you wanna pronounce it,\n\nChannel 1: Yep.\n\nChannel 0: Australian\n\nChannel 1: Yep.\n\nChannel 0: property, MVA.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And what I find there is if you had 10 properties, especially residential ones, the the consistent growth in Australia for centuries has been incredible. But this market tracker, it seems to spread out so thin across the country that it doesn't really hit the same figures.\n\nChannel 1: Yep. Gotcha. Yep.\n\nChannel 0: K? So it's not that I we don't like property and as an asset class, but just the\n\nChannel 1: Yep.\n\nChannel 0: options that we can put you in are kind of limited, and they just they don't seem to ever perform as well as what everyone experiences in their day to day.\n\nChannel 1: Yes. So you what you're basically saying is you're better off actually having the property yourself as a physical asset than having it in an ETF as a nonphysic. I'm just trying to take a percentage out of that. You know what I'm saying? In the growth market.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. It was the same thing with infrastructure. Like, we had some years there where for some reason, the listed market was just tanking,\n\nChannel 1: Yep.\n\nChannel 0: but the valuation, all these office buildings, airports, energy factories was just going through the roof, but the the market\n\nChannel 1: Yep.\n\nChannel 0: was just tanking because people were selling out of it and just buying\n\nChannel 1: Yeah.\n\nChannel 0: them unlisted privately.\n\nChannel 1: Yep.\n\nChannel 0: K? So if I do ever find an option where it does track it pretty well, probably swing it back in, but\n\nChannel 1: Yep.\n\nChannel 0: it's at the moment, it's just kinda lagging behind when it shouldn't be.\n\nChannel 1: Yeah. Yeah. 100%. Right. Yeah.\n\nBecause it it'll be interesting to see what happens with property in Australia the next sort of couple of years. So\n\nChannel 0: Yeah. Have you got any thoughts on which way it might go? Or\n\nChannel 1: my own personal opinion is, mate, that it's gonna have to steady. I can't\n\nChannel 0: yeah.\n\nChannel 1: say it's going. I just can't. If it does, I don't know how anyone's gonna get in on it. And the I think the biggest issue is now, mate, is if the government bring in those new laws they want to, you're gonna have an influx of housing that no one can afford.\n\nChannel 0: Yeah.\n\nChannel 1: Investors sell\n\nChannel 0: Yeah.\n\nChannel 1: out because they don't wanna take capital gains before this, you know, 25% comes in because it's a big year. So\n\nChannel 0: Yeah.\n\nChannel 1: they sell out early like Elbow has done. And then you still got people that need to buy those houses. That's the problem, I think. Tommy, I don't know what your thoughts are, but\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's been a really weird kind of ride because I've been so heavily watching this since about 2012 or even o nine when I was coming out of high school watching the GFC. And when COVID hit people popping states, we had Victoria, New South Wales going to Queensland, which kept us\n\nChannel 1: Yep.\n\nChannel 0: flat because the influx\n\nChannel 1: Yep.\n\nChannel 0: of people selling a million dollar unit to go into a $600,000 house.\n\nChannel 1: Yep.\n\nChannel 0: And the moment it became unaffordable with interest rates skyrocketing and all this kind of thing, then they opened the floodgates to all the foreign investment to come in and pick it up,\n\nChannel 1: Yep.\n\nChannel 0: and that kept it going\n\nChannel 1: Yep.\n\nChannel 0: again. What I tend to see happen if you go historical is there's always some sort of legislation\n\nChannel 1: Yep.\n\nChannel 0: or government policy that just hits a trigger point that causes a complete swing. And that's the only thing that happens is the market does its thing over time. It bounces out, and then someone changes the law, and all of a sudden, there's a panic. And even if it's just gonna even out in the long term, the panic's\n\nChannel 1: Yep.\n\nChannel 0: usually what causes crashes.\n\nChannel 1: Yes.\n\nChannel 0: And then you've got the unaffordability for all the first time buyers who bought a huge amount of debt the last couple of years, and everyone was trying to get into their first home and they got it, but it's barely affordable.\n\nChannel 1: Yep.\n\nChannel 0: They're probably looking at selling too and then the investors. So it's it's all these things compounding. It's just really hard to time, though.\n\nChannel 1: Yes. Correct. Yep.\n\nChannel 0: So at\n\nChannel 1: Yep.\n\nChannel 0: the moment, just with uncertainty, I would kind of again, I'm I'm really glad that you guys have actually sold the property in Sydney because\n\nChannel 1: Yep.\n\nChannel 0: with the uncertainty, it's better just to kind of watch it for a little while and see how it's starting to play out and then take some opportunities after that.\n\nChannel 1: Yes. Yeah. Yeah. Because that that yeah. That could even impact you, I guess.\n\nYou know what I mean? If if the market's closed, I don't know if it will or it won't, but we don't I don't\n\nChannel 0: Yeah.\n\nChannel 1: know. With interest rates. Well, if that even if it's closed or it crashes the market a bit, you know what I mean? That impacts what we've done. That's what I'm trying to say.\n\nChannel 0: Exactly. Right. And, Laurel, that's one of the things I wanted to ask you today as well is because we're kind of gearing up for a few of these ideas, and I wanted to just get your thoughts to make sure you both are on the same page, which is you both kind of seem like you you wanna avoid getting direct investment properties going forward, more so pay off the debts that you've got, have some financial security, maybe do a bit of investing that's a bit more traditional. How have you been finding all of this the last six months and and your thoughts going forward?\n\nChannel 1: Yeah. We're given everything that happened with our property in Sydney, we're a little turned off the investment property road at the moment.\n\nChannel 0: Yep.\n\nChannel 1: It's interesting when you go through that, the the feedback that you get from people with the exact same situations with rental properties and tenants and things. So\n\nChannel 0: Yeah.\n\nChannel 1: we are a bit turned off at the moment, but that's not to say that down the track, it's not something we wouldn't consider. But I think we just wanna get to a position where we pay down this new mortgage as much as we can to give us that financial freedom day to day\n\nChannel 0: Yep.\n\nChannel 1: and then look at what else we can do investment property wise possibly.\n\nChannel 0: And especially given the surge that you're expecting for Blake's income, it would be nice\n\nChannel 1: Yes.\n\nChannel 0: to, again, use that to even just build up something in an offset account. So it's like you've paid off the property, but you still got access\n\nChannel 1: Yep.\n\nChannel 0: to it. So that gives you flexibility as well.\n\nChannel 1: That's something that we have to look into too with Grant is what sort of loan we go with and how we manage our funds and all that sort of thing.\n\nChannel 0: Yeah. Exactly right. And one of the things I wanted to just kind of plant in your minds to talk about over the next three months, twelve months, is there's kind of two real big ways to get ahead financially. Right? There's the loan route where people have some equity.\n\nThey borrow and get an investment property, and they just start borrowing on borrowing on borrowing and accumulating lots of assets, whether it's property, commercial, shares, whatever it is. It's like\n\nChannel 1: Mhmm.\n\nChannel 0: a investment debt gain.\n\nChannel 1: Mhmm.\n\nChannel 0: The flip side to that is it's actually okay if you find personally it suits you guys better to just have the house paid off and invest in some traditional portfolios that are, like, on a screen, on a platform. You can pick and choose the options like your super, and it would just kind of grow nice and consistently. And you don't have to worry about managing the people side of things or property managers or lawyers because it's all just through fund managers off in the world,\n\nChannel 1: Yeah.\n\nChannel 0: and you get to\n\nChannel 1: Yeah.\n\nChannel 0: pick what you invest in.\n\nChannel 1: I think that definitely sounds more appealing to us at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: How do we use that to help with their own mortgage? That's that's my that's my big thing now is, like, just wanting to get that debt down. And I don't wanna\n\nChannel 0: Yeah.\n\nChannel 1: waste the opportunity of being given with.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna waste financially our time. I wanna create a space where, yes, 100% on Gurriel Law. We still live day to day and we enjoy our lives, but there has to be a payoff where we start to go, right, well, this is what we're gonna put here to make that goal, whether for the first year we do this, or is there some sort of plan we can look at going forward on how we structure that?\n\nChannel 0: And that's that's the thing is there's two real options within\n\nChannel 1: Yep.\n\nChannel 0: that other option, like a sub options here, is let's say you just pump all the cash in, smash out the mortgage, and build up some investments on the side. You're obviously expecting your investment to get a higher return as a percentage\n\nChannel 1: Yep.\n\nChannel 0: than what the loan is. If the loan's 6%, you wanna be aiming eight, nine, 10, or above. K? So your wealth's gonna naturally grow quicker than the mortgage, and you could potentially swing it in there, pay it off, whatever it is. The flip\n\nChannel 1: Yes. Yes. Hospital.\n\nChannel 0: side is\n\nChannel 1: Yes.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: can essentially smash all of your cash into the mortgage and then borrow off of that a small amount. So you know when you get an investment property and you get this little deposit, $50, and you buy something that's 800,000, and you've got this $750,000 loan. Like, you've leveraged up so much on $50.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: The flip side is you take $50 of equity from the house, and you put that into $50 worth of investments.\n\nChannel 1: Yep.\n\nChannel 0: And it's a kind of one to one leverage, not like eight times.\n\nChannel 1: Yeah.\n\nChannel 0: Did you\n\nChannel 1: Yes.\n\nChannel 0: put it back? Or 16 times. So that's a way to get good debt\n\nChannel 1: Yep.\n\nChannel 0: and accelerate paying off the mortgage and growing wealth quicker without stacking on loads of loans that you're gonna take a decade or two to pay off and\n\nChannel 1: Yep.\n\nChannel 0: also avoid the headache of the property side of things. So\n\nChannel 1: Yep.\n\nChannel 0: it's a little bit of like debt recycling.\n\nChannel 1: Yep. And that's what I yeah. That's sort of where my head was at last time we spoke. I mean, I was trying to speak to Laura or Laura and I spoke about that side of it being yeah. If we put what you just mentioned, mate, you put 50 in something, but then say at the end of that, mate, we've made a 100.\n\nYou go, right, pull that 100 and put that over there. We'll take or take 50 of that, put that over there off your mortgage, and we'll take another 50, and we'll go again or however that works. Do you know what I mean? However you guys\n\nChannel 0: Yeah.\n\nChannel 1: think we roll with that bit creating, yeah, as you said, a bit of one for one, not one for eight.\n\nChannel 0: Yep. Exactly right. And that's\n\nChannel 1: Yep.\n\nChannel 0: something similar that I I kind of do personally as well is I\n\nChannel 1: Sure.\n\nChannel 0: use the first couple of properties to start getting that that equity to\n\nChannel 1: Yep.\n\nChannel 0: do into that type of strategy, but I'm never interested in getting a dozen properties to try and manage or\n\nChannel 1: Yeah.\n\nChannel 0: even.\n\nChannel 1: See, one or two one or two, I can see Laura and I have been happy with them. I think we'd be happy with units, to be honest with you.\n\nChannel 0: Yeah.\n\nChannel 1: That's sort of\n\nChannel 0: Something\n\nChannel 1: where we're\n\nChannel 0: with\n\nChannel 1: at.\n\nChannel 0: an on-site manager that's, like, consistently\n\nChannel 1: Yeah.\n\nChannel 0: managed.\n\nChannel 1: I just think it's a smaller risk portfolio, mate, and with unfortunately, for young ones now, it's more\n\nChannel 0: Yeah.\n\nChannel 1: realistic for them to be looking at that market than the house.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: It's\n\nChannel 0: So\n\nChannel 1: it's just Friday.\n\nChannel 0: that's one of the things too is if we have to have considerations for helping the kids out over time as well, because\n\nChannel 1: Yep.\n\nChannel 0: I don't wanna lock you into a path where you guys have to dedicate the next ten, twenty years to something for yourselves without having any flexibility to assist them\n\nChannel 1: Yes.\n\nChannel 0: either.\n\nChannel 1: Correct. Yep.\n\nChannel 0: So one of the things that what I'm kind of envisioning, and we'll confirm it when we speak because, obviously, we have to rediscuss the options,\n\nChannel 1: Yes. Yes.\n\nChannel 0: is the world's crazy for this year. It's it's almost a write off.\n\nChannel 1: Totally agreed, mate. I'm just I'm rattled already, and it's two months in. I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: Three months. Three months. Sorry. There you go. That's where I'm at.\n\nChannel 0: Exactly. So by the time you guys move into the property and settle into things, we're gonna be looking at, like, the you know, a little bit of contributions in the super, and we're talking second half of the year. It's only six months. What I would do is rather than going full ham into a debt recycling strategy and go through all\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Alright.\n\nChannel 0: advanced things, is\n\nChannel 1: Yep.\n\nChannel 0: let's just do a dip the toe in the water,\n\nChannel 1: Yes.\n\nChannel 0: maybe set you up with this little account where we put a small amount in and a small consistent amount to invest\n\nChannel 1: Yep. Yep.\n\nChannel 0: and see how it plays out through the markets compared to your super but with a different portfolio.\n\nChannel 1: Yes.\n\nChannel 0: So instead of going high growth with it and high risk, we'll\n\nChannel 1: Yep.\n\nChannel 0: do something\n\nChannel 1: Yep.\n\nChannel 0: a little bit more middle and see how that goes, see how it behaves, and then we can revisit it at the end of the year and say, okay. You've got your policy anniversary for your insurances. We'll chat about them. We'll see how your super compared to your investment and decide whether you wanna go a little bit more faster on the gas or slow it down, whatever it is. By then, we'll have a bit more of an idea about what's happening in the world and where the opportunities are.\n\nThen in the year after, we can decide whether we're gonna okay. You've put all this cash into this property. Now we'll use some of it to do maybe some debt recycling. So just take it in two steps.\n\nChannel 1: Yeah. I like that idea, mate. I like the I like the sand of dipping our toe in the water first and just seeing how we go after six months. I quite like that idea.\n\nChannel 0: Yep. So just to give you an indication, the accounts that you use, there's some very basic ones, and there's some of your advanced ones like your hub 20\n\nChannel 1: Yep.\n\nChannel 0: fours.\n\nChannel 1: Yep.\n\nChannel 0: There's minimums. So generally speaking, you might want $10 as a minimum or something like that\n\nChannel 1: Yeah.\n\nChannel 0: because you've got to keep a couple of grand in cash\n\nChannel 1: Mhmm.\n\nChannel 0: and you wanted to actually do something.\n\nChannel 1: Yeah.\n\nChannel 0: So these types of figures we'll talk about in our next catch up as well.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: just get an\n\nChannel 1: Yep.\n\nChannel 0: account open, make sure the contributions are optimized, make sure you've got a plan for the property, and what you're gonna do with your cash flow, because, obviously, you need to settle into your cash flow and your budget.\n\nChannel 1: Yep.\n\nChannel 0: And then we'll let that go for six months, revisit it after that.\n\nChannel 1: Yeah. It seems good, mate.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. And then did you sorry. Coming off subject, but did you get the emails I sent you through through with the lease car\n\nChannel 0: Yes. I did,\n\nChannel 1: stuff?\n\nChannel 0: actually.\n\nChannel 1: That\n\nChannel 0: I\n\nChannel 1: that's\n\nChannel 0: do apologize.\n\nChannel 1: fine.\n\nChannel 0: I've\n\nChannel 1: No.\n\nChannel 0: flicked\n\nChannel 1: That's fine.\n\nChannel 0: that over to, Sevi, and we were having\n\nChannel 1: Yep.\n\nChannel 0: a chat about it this week.\n\nChannel 1: Yep.\n\nChannel 0: And, he's fallen ill at the moment. He's got gastro. So\n\nChannel 1: Alright. I'll stay away\n\nChannel 0: yeah.\n\nChannel 1: from serving you. I'm good. Yep.\n\nChannel 0: So I am intending to pretty much catch up with him, like, Monday, Tuesday, and then flick it back a bit of an email. I do apologize for that.\n\nChannel 1: Yep. No. That's totally fine, mate, because that that wouldn't be something that I look at until the second quarter of the year anyway because the particular car I want doesn't come out till then.\n\nChannel 0: Okay.\n\nChannel 1: And on top of that, mate, I wanna make sure financially that with what I'm getting paid, whatever payments look like, what all this we just discussed looks like Budget wise. Budget wise that that's not gonna is it actually a good thing to do or is it not? Do you know what I mean? That's where I need to need your advice. And are we overshooting the mark here or no?\n\nThat's totally fine. That's gonna work because of a, b, c, and d.\n\nChannel 0: Yeah. Yeah. Absolutely. And one\n\nChannel 1: Yep.\n\nChannel 0: of the things that I'm just careful with is there's a lot of bias in the industry, and\n\nChannel 1: Yes.\n\nChannel 0: I can talk to half the industry who say no better leases are the best thing, and the\n\nChannel 1: Yep.\n\nChannel 0: other half goes stay away from them in all cases. And there is\n\nChannel 1: Yes.\n\nChannel 0: a bit\n\nChannel 1: Look.\n\nChannel 0: of truth\n\nChannel 1: Yep.\n\nChannel 0: in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision.\n\nChannel 1: Yeah. 100%, mate. Yeah. And where I was in the job before, mate, on it, I was basically on the other side where I'm not wasn't even interested. We live twenty minutes away, and it just wasn't worth it.\n\nBut now I'm an hour away. And\n\nChannel 0: Yeah.\n\nChannel 1: the cost of everything, mate, don't need to work here. You know? When we put in their own budget, obviously, insurances fuel, everything that comes with that servicing, all that, what it looks like compared apples for apples, you know, with before tax dollars too.\n\nChannel 0: Yeah. Absolutely. So\n\nChannel 1: Yep.\n\nChannel 0: I'll try and get you some information on that next week, hopefully. And,\n\nChannel 1: Right.\n\nChannel 0: again, if it's a quarter two thing, we'll we'll have it more of a catch when you come in as well.\n\nChannel 1: Yeah. Yeah. And one other one other quick thing I noticed on that, mate, your upfront costs are definitely better because your car is cheaper by about 10 to 13,000\n\nChannel 0: Yeah.\n\nChannel 1: is is something to note that I've I've just picked up on straight away. Whether that how that looks over time, I don't know. But yeah.\n\nChannel 0: And it's one of those ones where I what savvy normally does in these cases is because they're all different agreements is\n\nChannel 1: Yes.\n\nChannel 0: we do a bit of a calculation, almost like\n\nChannel 1: Yep.\n\nChannel 0: a little bit of a paper based projection, if you will. And\n\nChannel 1: Yep.\n\nChannel 0: we'll just kinda see what that looks like, short term, long term, pros and cons, and give you some ideas.\n\nChannel 1: Okay. Okay. Great. Fantastic. Sounds good.\n\nChannel 0: Cool. Cool. Do you guys have any questions on the statement of advice that I've sent you for this morning just before I let you go?\n\nChannel 1: Not at all. No. No. That's good, mate. It's cleared up.\n\nNow I was reading it myself, and I was a little bit like, what's capital what's the capital gains? What's this? What's that?\n\nChannel 0: Yep.\n\nChannel 1: Now now you've explained it on good as gold. Thank you.\n\nChannel 0: Yep. And there's one thing that just a bit of a, like, gentle reminder is because we use the fanciest platforms you can find, it makes things a little bit more complex because you've got more control over it.\n\nChannel 1: Yep.\n\nChannel 0: Any other traditional superfund, it that doesn't even enter the conversation because it's not even an option.\n\nChannel 1: No. That's the thing. And that's probably where we're learning as we go, mate, which I appreciate your patience with, mate, because obviously, being with Cbus before and Laura being with Hester, you got a\n\nChannel 0: Yeah.\n\nChannel 1: statement, and it said this year you got 8.3%. And you went, oh, that's good. I've earned 8.3%. And that's literally like you said, that's all we knew. We didn't even\n\nChannel 0: Yep.\n\nChannel 1: know I couldn't even tell you what my investments are in. I'm sure Laura couldn't. Whereas now we can physically see what's happening, which is great, but we're learning as we go.\n\nChannel 0: Yeah. Exactly right. And, look, to be honest, you\n\nChannel 1: Yep.\n\nChannel 0: guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy. But\n\nChannel 1: Yeah.\n\nChannel 0: if you ever have questions or concerns or anything like that, like, it does take years to get into it, and we'll just\n\nChannel 1: Yep.\n\nChannel 0: chip away at it. And before you know it, you'll be telling your kids one day all these things yourself, and\n\nChannel 1: Yeah. Well, that's sort\n\nChannel 0: they will\n\nChannel 1: of the\n\nChannel 0: be\n\nChannel 1: brand,\n\nChannel 0: much better\n\nChannel 1: mate.\n\nChannel 0: off for\n\nChannel 1: Yeah. And I think that's what Laura and I are trying to do now even though Laura's not 40 yet. I am. We're only learning that now. So if we can, like you said, give them the heads up early and help them into the property market, which is sort of a goal of theirs, you know,\n\nChannel 0: Yeah.\n\nChannel 1: to make sure we can help them. We just we just don't know what it looks like otherwise if we don't get on in on top of it now.\n\nChannel 0: Yeah. And it's a good time to do it too given\n\nChannel 1: Okay.\n\nChannel 0: ages and so on. I\n\nChannel 1: Yes.\n\nChannel 0: think you guys are setting yourselves up\n\nChannel 1: Yep.\n\nChannel 0: very well for both you guys and the kids as well. They'll be very appreciative of it, I'm assuming. I'm hoping. But even not, they'll benefit from it.\n\nChannel 1: Right. Fantastic.\n\nChannel 0: Cool. Are there any other updates you guys can think of? Any any changes on the way except for the the work and property side of things?\n\nChannel 1: I don't think so. The only other thing that's, like, did we we were talking about other things that he can do with work before. Oh, this works for Laura, this one. She likes this one. It should be good.\n\nNo. I don't know if it does. That's it. But he can do things like what's it called? So I can do a trade tax.\n\nI'd have to send it to you. My lawyer's got it in an email anyway,\n\nChannel 0: You're\n\nChannel 1: so send\n\nChannel 0: thinking\n\nChannel 1: it to her.\n\nChannel 0: salary\n\nChannel 1: So it's\n\nChannel 0: packaging? Uh-huh.\n\nChannel 1: no. It was it was with Qantas Club. So at work, we get a thing with Qantas Club,\n\nChannel 0: Yep.\n\nChannel 1: where we can pay pretax dollars to be part of the The Quantis Club. Quantis Club, basically. But, yeah, I I didn't quite understand it. So I'd like you if you have a look at it, whether it's a good option for Laura and I to actually something to consider because we do travel a bit back to Sydney here and there. We go overseas usually once a year.\n\nYou know what I mean? That sort of thing. So we're trying to figure out better ways that we may be able to get some benefits out of that.\n\nChannel 0: Yeah. Cool. I mean, anything anywhere where you can use pretax dollars is a good setup because,\n\nChannel 1: Yes.\n\nChannel 0: obviously, using gross income before it gets taxed and then getting taxed on the rest is fantastic. It's like your super contributions, which is good.\n\nChannel 1: Yep.\n\nChannel 0: And the question always becomes, because there's so many different things that you can do that for depending on the employer, are you actually gonna get the benefit out of it\n\nChannel 1: Yep.\n\nChannel 0: and actually\n\nChannel 1: Correct.\n\nChannel 0: use it?\n\nChannel 1: Correct.\n\nChannel 0: Because everyone looks for, like, tax deductions, but then\n\nChannel 1: Yep.\n\nChannel 0: you go, okay. Am I actually utilizing it, or am I just paying\n\nChannel 1: Correct.\n\nChannel 0: extra for something?\n\nChannel 1: That's right. And that's what I'm getting at with both the conversation we just had before about the car and this situation\n\nChannel 0: Yeah.\n\nChannel 1: too. It's like, are we gonna get the benefits out of that? What do you guys say? If I am, I'm all in. That's fine.\n\nI'm I'm happy with that. But if I'm not, well, what's the point?\n\nChannel 0: Yeah. Cool. I mean, flick through\n\nChannel 1: Yep.\n\nChannel 0: the the Qantas club stuff,\n\nChannel 1: Yeah.\n\nChannel 0: and I'll have a look\n\nChannel 1: Laura's\n\nChannel 0: at that.\n\nChannel 1: got\n\nChannel 0: And\n\nChannel 1: it\n\nChannel 0: then\n\nChannel 1: up.\n\nChannel 0: in the same email, I'll kind of respond to that in the novett at least.\n\nChannel 1: Yeah. Yep. Fantastic. Like, yeah, she sent that through to you with the employee benefit. Yes.\n\nBecause I may need a Laura for argument. So she would be one of the beneficiaries if I pay for that. She goes down to work two times a year. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: she she might say to her company, no. Well, I've got this thing paid through them. Do you know what I'll know if we get it to I don't know. I don't know what the exact benefits of it are.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: there's a\n\nChannel 0: Cool.\n\nChannel 1: terms\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: I'll\n\nChannel 1: conditions,\n\nChannel 0: just drop the\n\nChannel 1: and\n\nChannel 0: email.\n\nChannel 1: there's all sorts of things you can have a look through there, Tommy. So Laura has brought that up, so that should help you understand, you know, what what we can get out of\n\nChannel 0: Yeah. Absolutely. Again, with this sort of thing, it looks like it's a yearly payment.\n\nChannel 1: it.\n\nChannel 0: So,\n\nChannel 1: Yes.\n\nChannel 0: again, just factor in things like lump sums and not having those\n\nChannel 1: Yep.\n\nChannel 0: dollars for the year. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Pretax. That's good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Salary sacrifice, ma'am. Yeah. I'll have a little look and and let you guys know. That's pretty fun.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Awesome. Anything else I can help you guys with?\n\nChannel 1: Okay. I think so. I don't think so. I don't think anything else at the end poll yet, but I'm sure I will. We need to make an appointment with with Grant too to sort out our next Yeah.\n\nWhat everything looks like. Loans. Yeah. Our loan and how he's gonna structure all that and whatever budget it. And that's gonna change a little bit.\n\nSomething we didn't tell you actually I mean, is that we\n\nChannel 0: Yeah.\n\nChannel 1: actually\n\nChannel 0: Yeah.\n\nChannel 1: got a high interest account with Qudos, which this high interest account, if you leave it in anything over 500,000, it's 3.95% we earn per month on that money, but you can take that money, like, lump sums of that money at any time you want, and you don't lose it. Lose the interest on the amount left, if that makes sense.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So we're putting up some in that through until we're ready to cross over for the next property. Just thought, you know, if we earn $10 out of that in the three months, so it takes us I mean, it's better than not earning anything. Yeah?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: It's one of the things too. Anytime you earn, you get taxed, so that's because\n\nChannel 1: Yep.\n\nChannel 0: you've you've grown something, and that's always\n\nChannel 1: Yes.\n\nChannel 0: a positive.\n\nChannel 1: Yep. Well, we actually put it in Laura's name too, mate, not in mine for tax purposes.\n\nChannel 0: Okay. Alright. That's interesting. I'll have a little look at the old KuDOS account too. Alright.\n\nChannel 1: Yep.\n\nChannel 0: So we've got the the Conners Club, the Nevada lease. You've got the funds going into the Qudos account just to get a bit of interest out of that.\n\nChannel 1: Yep. Yeah. Which that's already in, mate. That's done. We were finalized the other day.\n\nWe'll\n\nChannel 0: Perfect.\n\nChannel 1: never see\n\nChannel 0: Perfect.\n\nChannel 1: that many dollars in our account ever again. We will if we do the right thing, but we'll just be a bit old enough. We'll be 16. Stop talking to Tommy in your. Remember what you said?\n\nChannel 0: That'll be my favorite thing is to set you up a nice little pension account and then send\n\nChannel 1: Yeah. That'll\n\nChannel 0: you\n\nChannel 1: be lovely.\n\nChannel 0: guys on your way. And then our conversations will chat between not what to invest in. It'll be like, you guys are pulling too much money out because\n\nChannel 1: Yeah.\n\nChannel 0: you're having too much fun. You're allowed to have four holidays this year, not seven. And then you guys will have to plan those out, and then, you know, you pull out $30 for this, $40 for that, and it's it's all fun after\n\nChannel 1: Yeah. A 100%, mate. Well, the funny part of it, you'll have to tell her that she can't afford business everywhere.\n\nChannel 0: that. Unless maybe this Qantas Club\n\nChannel 1: Yeah. Yeah. Well,\n\nChannel 0: discounts\n\nChannel 1: that's\n\nChannel 0: on\n\nChannel 1: what\n\nChannel 0: the\n\nChannel 1: I'm\n\nChannel 0: business\n\nChannel 1: saying.\n\nChannel 0: club.\n\nChannel 1: You never know, do you?\n\nChannel 0: We'll have to see, but I'll have a look. For that catch up, guys, I have some leave kind of coming up in June, which is horrible timing,\n\nChannel 1: Mhmm. That's\n\nChannel 0: especially\n\nChannel 1: good.\n\nChannel 0: in a financial year. I've got a third baby on the way. I've got a daughter coming in June. Thanks.\n\nChannel 1: Congratulations.\n\nChannel 0: So I wanna make sure you guys are well well and truly sorted before then.\n\nChannel 1: That would be good.\n\nChannel 0: Do you wanna do a catch up in April? That way, I can do a plan for you guys in May, and then\n\nChannel 1: Yep.\n\nChannel 0: it's all good for when I go.\n\nChannel 1: Yes. Thanks, Steve. Would you like us to see Grant before that point, Tommy? So we've got figures and everything, like, sort of all ready to go to book basically lay out in front of you guys and go, this is where we are.\n\nChannel 0: That would be fantastic. If\n\nChannel 1: Mhmm.\n\nChannel 0: you're gonna have\n\nChannel 1: Right.\n\nChannel 0: all that lined up\n\nChannel 1: Yep.\n\nChannel 0: beforehand, that gives\n\nChannel 1: Yep.\n\nChannel 0: us a bit more value out of that conversation.\n\nChannel 1: Yep. Up to date bank statement too, mate, with obviously that high interest account and things would be handy for you guys to see exactly where we're at.\n\nChannel 0: Yeah. Any type of statements, details, documents you can bring in for a face to face is always better.\n\nChannel 1: Okay.\n\nChannel 0: That way,\n\nChannel 1: Great.\n\nChannel 0: I don't have to kinda go, okay. Oh, we don't have this. We'll have to\n\nChannel 1: Yes.\n\nChannel 0: search for emails or come back to you later.\n\nChannel 1: Nah. Nah, mate. I'm pretty good with that sort of stuff. So I will make I will endeavor to have everything there, mate, including even just a copy of, you know, the thing, whatever. Whatever we're gonna discuss, whatever we discussed here today, I'll just have a copy of everything, hard copy, so it'll make it easier.\n\nChannel 0: Yep. And I'm just kind of tagging a few things for advice wise for that discussion to talk about contributions, investment, budgeting, debt, and so\n\nChannel 1: Right.\n\nChannel 0: on.\n\nChannel 1: Yep. I think budgeting and variable one for us to just just create a new place just to see what you your thoughts were on it, what what we sort of do and what you where you think maybe we could improve. I don't know if we can and\n\nChannel 0: Yeah.\n\nChannel 1: we can't,\n\nChannel 0: Absolutely.\n\nChannel 1: but yeah.\n\nChannel 0: I'd be to see kind of how you guys have been rolling on the last couple of years and what your your your style of budgeting is. And\n\nChannel 1: Yes.\n\nChannel 0: if I can see anything that can help, I'll let you know. Absolutely.\n\nChannel 1: Yeah. Okay. That sounds good. We'll bring all that in too. Too easy.\n\nChannel 0: Cool. Cool. And I will just briefly, in the next catch up, just touch on the insurances just to make sure we don't have to jiggle\n\nChannel 1: Yep.\n\nChannel 0: anything around once it's all finalized.\n\nChannel 1: Yeah. Well, I think that'll help once we spoke to Grant because we're gonna know. We'll know where our insurances need to be. Yep.\n\nChannel 0: Yep. Easy done. Do you guys want me to book in a day in April now while I've got you,\n\nChannel 1: Yes.\n\nChannel 0: or you want me\n\nChannel 1: Yeah.\n\nChannel 0: to get\n\nChannel 1: Absolutely.\n\nChannel 0: the team?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Alright. So we've got a few weeks still left of the month. That should be plenty of time. For a face to face, what would be your preferred sort of days and times?\n\nChannel 1: Probably Friday,\n\nChannel 0: Yep.\n\nChannel 1: maybe the seventeenth or the twenty fifth twenty fourth. The twenty fourth for. It's fine to see me. Are we? No.\n\nNo. We're not. Okay. Sorry. Forget, mate.\n\nMaybe the seventeenth. We'll be\n\nChannel 0: Cool.\n\nChannel 1: back in\n\nChannel 0: Yeah.\n\nChannel 1: or we'll be back.\n\nChannel 0: I'll try and do I think seventeenth would be good. That way, if there's any trouble, we can always\n\nChannel 1: Yes.\n\nChannel 0: reschedule it for a week ahead,\n\nChannel 1: Yep.\n\nChannel 0: and that still gives us a bit of a buffer for May to to get anything done as well.\n\nChannel 1: Yep. Right.\n\nChannel 0: Should we do morning, like, nine or ten in the morning? Or\n\nChannel 1: Let me do ten after school drop off. Yeah. Maybe ten. We can drop the girls to school and then We'll go have breakfast, and then we'll come and see.\n\nChannel 0: Perfect. Bit of a morning date drop off and then into the finances\n\nChannel 1: People. Absolutely.\n\nChannel 0: for Friday. Alright. So I'll do face to face catch up. We'll do 10AM\n\nChannel 1: The long time to think again?\n\nChannel 0: on Friday, April 17. Awesome. And I'll let Sevi know that you guys are popping in so you can say hello as well if he's in on the Friday,\n\nChannel 1: Right. Correct.\n\nChannel 0: see if the big man's there.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, look forward to catching up with you guys.\n\nChannel 1: Sounds good, Tommy. You take it\n\nChannel 0: Cool.\n\nChannel 1: easy, mate.\n\nChannel 0: You too. And just keep an eye out for an email next week for those lease and Qantas questions.\n\nChannel 1: Correct. Yes. Fantastic. Will do. Thank you, mate.\n\nChannel 0: Awesome, guys. Have a great weekend. I'll talk to you soon. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.01411672867834568},{"text":"Hello?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.023937299847602844}],"sentiment":"neutral","sentiment_score":0.019027014262974262,"channel":1,"num_words":2,"start":3.4399998,"end":4.5},{"sentences":[{"text":"Hey, guys.","start":5.3599997,"end":5.92,"sentiment":"neutral","sentiment_score":0.10074225440621376},{"text":"It's Tommy from Oakview.","start":5.92,"end":6.96,"sentiment":"neutral","sentiment_score":0.1518002450466156},{"text":"How are you doing?","start":6.96,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.1827198974788189}],"sentiment":"neutral","sentiment_score":0.15395650789141654,"channel":0,"num_words":10,"start":5.3599997,"end":7.7799997},{"sentences":[{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.329359769821167},{"text":"How are 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yet.","start":419.66,"end":427.42502,"sentiment":"neutral","sentiment_score":0.03973617413430475},{"text":"But as soon as we get that, I'll update the system as well.","start":427.42502,"end":430.725,"sentiment":"neutral","sentiment_score":0.07810343228853665}],"sentiment":"neutral","sentiment_score":0.052368064668584374,"channel":0,"num_words":47,"start":419.02,"end":430.725},{"sentences":[{"text":"Yep.","start":432.47,"end":432.97,"sentiment":"positive","sentiment_score":0.47466346621513367}],"sentiment":"positive","sentiment_score":0.47466346621513367,"channel":1,"num_words":1,"start":432.47,"end":432.97},{"sentences":[{"text":"Perfect.","start":433.665,"end":434.165,"sentiment":"positive","sentiment_score":0.6973407864570618},{"text":"If you go through the next section, so we've got the two Hub 24 Supers.","start":434.385,"end":437.765,"sentiment":"neutral","sentiment_score":0.18921978225310643},{"text":"We've got the MetLife 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you what you're basically saying is you're better off actually having the property yourself as a physical asset than having it in an ETF as a nonphysic.","start":1006.97003,"end":1014.43005,"sentiment":"neutral","sentiment_score":-0.1343949804348605},{"text":"I'm just trying to take a percentage out of that.","start":1014.57,"end":1016.65,"sentiment":"neutral","sentiment_score":-0.1246855117380619},{"text":"You know what I'm saying?","start":1016.65,"end":1017.37,"sentiment":"neutral","sentiment_score":-0.11019903272390366},{"text":"In the growth 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but","start":1042.61,"end":1048.2899,"sentiment":"neutral","sentiment_score":-0.06096731055350531}],"sentiment":"neutral","sentiment_score":-0.059765325520526276,"channel":0,"num_words":22,"start":1041.97,"end":1048.2899},{"sentences":[{"text":"Yep.","start":1048.135,"end":1048.635,"sentiment":"neutral","sentiment_score":-0.1331406533718109}],"sentiment":"neutral","sentiment_score":-0.1331406533718109,"channel":1,"num_words":1,"start":1048.135,"end":1048.635},{"sentences":[{"text":"it's at the moment, it's just kinda lagging behind when it shouldn't 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Australia the next sort of couple of years.","start":1053.255,"end":1059.6749,"sentiment":"neutral","sentiment_score":-0.08235906232148409},{"text":"So","start":1059.895,"end":1060.395,"sentiment":"neutral","sentiment_score":0.037681303918361664}],"sentiment":"neutral","sentiment_score":-0.07664285440530096,"channel":1,"num_words":21,"start":1053.255,"end":1060.395},{"sentences":[{"text":"Yeah.","start":1060.3151,"end":1060.715,"sentiment":"neutral","sentiment_score":0.056359972804784775},{"text":"Have you got any thoughts on which way it might go?","start":1060.715,"end":1062.955,"sentiment":"neutral","sentiment_score":0.010636509480801496},{"text":"Or","start":1062.955,"end":1063.455,"sentiment":"neutral","sentiment_score":-0.01978982985019684}],"sentiment":"neutral","sentiment_score":0.011813211326415721,"channel":0,"num_words":13,"start":1060.3151,"end":1063.455},{"sentences":[{"text":"my own personal opinion is, mate, that it's gonna have to 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nine when I was coming out of high school watching the GFC.","start":1107.235,"end":1116.66,"sentiment":"neutral","sentiment_score":-0.23410668562759052},{"text":"And when COVID hit people popping states, we had Victoria, New South Wales going to Queensland, which kept us","start":1117.1201,"end":1125.8401,"sentiment":"neutral","sentiment_score":-0.30622911923810053}],"sentiment":"neutral","sentiment_score":-0.26045911329296917,"channel":0,"num_words":52,"start":1107.235,"end":1125.8401},{"sentences":[{"text":"Yep.","start":1125.63,"end":1126.13,"sentiment":"negative","sentiment_score":-0.48151326179504395}],"sentiment":"negative","sentiment_score":-0.48151326179504395,"channel":1,"num_words":1,"start":1125.63,"end":1126.13},{"sentences":[{"text":"flat because the 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mean?","start":1221.255,"end":1225.415,"sentiment":"neutral","sentiment_score":-0.2139421019114946},{"text":"That impacts what we've done.","start":1225.415,"end":1226.79,"sentiment":"neutral","sentiment_score":-0.30971277356147764},{"text":"That's what I'm trying to say.","start":1226.79,"end":1227.86,"sentiment":"neutral","sentiment_score":-0.1444318766395251}],"sentiment":"neutral","sentiment_score":-0.20901102791814244,"channel":1,"num_words":34,"start":1219.655,"end":1227.86},{"sentences":[{"text":"Exactly.","start":1227.62,"end":1228.02,"sentiment":"neutral","sentiment_score":-0.008193980902433395},{"text":"Right.","start":1228.02,"end":1228.52,"sentiment":"neutral","sentiment_score":0.03669140860438347},{"text":"And, Laurel, that's one of the things I wanted to ask you today as well is because we're kind of gearing up for a few of these ideas, and I wanted to just get your thoughts to make sure you both are on the same page, which is you both kind of seem like you you wanna 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the same email, I'll kind of respond to that in the novett at least.","start":2182.235,"end":2186.095,"sentiment":"neutral","sentiment_score":0.08727685237924258}],"sentiment":"neutral","sentiment_score":0.08727685237924258,"channel":0,"num_words":15,"start":2182.235,"end":2186.095},{"sentences":[{"text":"Yeah.","start":2186.51,"end":2186.9102,"sentiment":"neutral","sentiment_score":0.14953915774822235},{"text":"Yep.","start":2186.9102,"end":2187.23,"sentiment":"neutral","sentiment_score":0.25308480858802795},{"text":"Fantastic.","start":2187.23,"end":2187.73,"sentiment":"positive","sentiment_score":0.5017054080963135},{"text":"Like, yeah, she sent that through to you with the employee 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They also mention the importance of proper retirement goals and liabilities, as well as the need for proper wills and power of attorney. The speakers emphasize the importance of managing assets and maintaining a plan for the property, as well as the use of pretax dollars for tax purposes and setting up a pension account. They also mention the possibility of investing in a pension account and setting up a retirement plan. They suggest face-to-face meetings in April and May to discuss further."},"intents":{"segments":[{"text":"I was just trying to call Blake's mobile, but it was engaged for some reason. So I thought I'd try yours, Laura. 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Yeah.","start_word":296,"end_word":324,"intents":[{"intent":"Plan meeting","confidence_score":0.028365746}]},{"text":"And if we need to go through again, like, what to do with the funds, whether it's investments and movements around and things like that, Yep.","start_word":362,"end_word":387,"intents":[{"intent":"Discuss funds","confidence_score":0.3024045}]},{"text":"That went through the other day, mate, so we can actually have that meeting whenever you We don't know the news.","start_word":544,"end_word":564,"intents":[{"intent":"Schedule meeting","confidence_score":0.032235406}]},{"text":"I've put in some four. of the Yep. cash flow and debt management goals because, obviously, this document just deals with updating your super portfolio.","start_word":1012,"end_word":1036,"intents":[{"intent":"Update super portfolio","confidence_score":0.0639847}]},{"text":"But, again, I've just noted down that that's all being finalized very soon. We'll talk about future investments, contributions, what to do with properties in cash, and so on, both in terms of lump sums and cash flow in our next catch up. Yep.","start_word":1038,"end_word":1081,"intents":[{"intent":"Finalize financial plan","confidence_score":0.043330647}]},{"text":"But as soon as we get that, I'll update the system as well.","start_word":1404,"end_word":1416,"intents":[{"intent":"Update system","confidence_score":0.76278496}]},{"text":"The strategy on page thirteen and fourteen, that's probably the main text heavy area I just wanted to run by you guys before you decide.","start_word":1472,"end_word":1496,"intents":[{"intent":"Review strategy","confidence_score":0.3344009}]},{"text":"It's one of those ones where the those sectors, there'll be some growth moment. long term anyways. Yeah.","start_word":1606,"end_word":1623,"intents":[{"intent":"Review sector results","confidence_score":0.009876294}]},{"text":"It's getting away from that space and going a little bit more into your industry, which Yeah. is kind of what I've done, is going a bit more traditional, bigger companies that are that are investing in your space, especially domestically Yep. as well.","start_word":1625,"end_word":1668,"intents":[{"intent":"Reconsider investment","confidence_score":0.00041385437}]},{"text":"It's gonna have a pretty similar outcome. Like, some of those sectors, they're gonna be quite different over a single year where Yep. one may jump up 30%, the other 15, and then vice versa the year afterwards. But I do see it averaging out pretty similar over a Right. five year period. Right.","start_word":1670,"end_word":1723,"intents":[{"intent":"Determine similar outcome","confidence_score":0.00004929317}]},{"text":"I'm kind of expecting at the moment and why I've chosen these options is once that volatility settles down, this is gonna give you the most consistent sort of guaranteed return on the way out Yep. rather than trying to pick the winners and losers this year given how uncertain it is. Yep.","start_word":2072,"end_word":2124,"intents":[{"intent":"Advise on volatility","confidence_score":0.0010915323}]},{"text":"One of the tricks that I've done is because because Hub Yep. 24 is a wrap platform, I won't go too technical with it, but we've got full control over capital gains tax under the hood as Yep. opposed to a usual super fund. So when we sell something, we can buy something else and kind of offset the capital gains. Lost Okay.","start_word":2139,"end_word":2201,"intents":[{"intent":"Explain yep platform","confidence_score":0.10230671},{"intent":"Explain benefits of yep platform","confidence_score":0.0046922104}]},{"text":"So That's it's just that's a bit of what a the bottom bit was accounting about that trick. I read about. I I couldn't understand that, so now I get it. Yep.","start_word":2255,"end_word":2286,"intents":[{"intent":"Understand chart","confidence_score":0.000020088231}]},{"text":"So, again, we're just trying to improve the position over five to ten years.","start_word":2289,"end_word":2302,"intents":[{"intent":"Improve position","confidence_score":0.24263866}]},{"text":"So, again, we're just trying to improve the position over five to ten years. Retirement's a while away. The options we've picked, we've got lower investment fees, better track record, and more consistent Yep. through different Yep. scenarios.","start_word":2289,"end_word":2326,"intents":[{"intent":"Propose future update","confidence_score":0.000017355069}]},{"text":"much uncertainty. I didn't wanna go crazy with it. But, again, Yep.","start_word":2331,"end_word":2342,"intents":[{"intent":"Express uncertainty about future decisions","confidence_score":0.00067250466}]},{"text":"I saw that. Yep. Yep. And one of the main things too, this might seem counterintuitive, but you know how gold's been doing fantastic the last twelve months. Yep.","start_word":2386,"end_word":2414,"intents":[{"intent":"Avoid surprises","confidence_score":0.0033229277}]},{"text":"It's kind of overshot so high that it's become a huge portion of your overall portfolio.","start_word":2416,"end_word":2431,"intents":[{"intent":"Discuss portfolio strategy","confidence_score":0.015347959}]},{"text":"The last thing I want to mention on the super portfolio Yep. is we've kind of pulled out that small allocation to property and gone more metals and stocks.","start_word":3052,"end_word":3080,"intents":[{"intent":"Update portfolio","confidence_score":0.0031526322}]},{"text":"That's not really the case when it comes to the ETFs and the managed funds is they don't seem to keep up with the usual residential market. Yes. Yep.","start_word":3094,"end_word":3122,"intents":[{"intent":"Compare market trends","confidence_score":0.0012855871}]},{"text":"What I tend to see happen if you go historical is there's always some sort of legislation Yep. or government policy that just hits a trigger point that causes a complete swing.","start_word":3702,"end_word":3733,"intents":[{"intent":"Analyze housing market","confidence_score":0.134318}]},{"text":"Yeah.","start_word":4096,"end_word":4096,"intents":[{"intent":"Offer investment strategies","confidence_score":0.0000873552}]},{"text":"we are a bit turned off at the moment, but that's not to say that down the track, it's not something we wouldn't consider. But I think we just wanna get to a position where we pay down this new mortgage as much as we can to give us that financial freedom day to day Yep.","start_word":4149,"end_word":4204,"intents":[{"intent":"Pay down mortgage","confidence_score":0.2807577}]},{"text":"and then look at what else we can do investment property wise possibly.","start_word":4205,"end_word":4217,"intents":[{"intent":"Utilize investment property","confidence_score":0.015154777}]},{"text":"That's something that we have to look into too with Grant is what sort of loan we go with and how we manage our funds and all that sort of thing. Yeah.","start_word":4271,"end_word":4302,"intents":[{"intent":"Explore loan options","confidence_score":0.042533014}]},{"text":"And one of the things I wanted to just kind of plant in your minds to talk about over the next three months, twelve months, is there's kind of two real big ways to get ahead financially. Right?","start_word":4305,"end_word":4342,"intents":[{"intent":"Get ahead financially","confidence_score":0.009870136}]},{"text":"The flip side to that is it's actually okay if you find personally it suits you guys better to just have the house paid off and invest in some traditional portfolios that are, like, on a screen, on a platform. You can pick and choose the options like your super, and it would just kind of grow nice and consistently.","start_word":4389,"end_word":4448,"intents":[{"intent":"Grow portfolios","confidence_score":0.6162723}]},{"text":"How do we use that to help with their own mortgage?","start_word":4502,"end_word":4512,"intents":[{"intent":"Use portfolios for own mortgage","confidence_score":0.00066593336}]},{"text":"I wanna create a space where, yes, 100% on Gurriel Law. We still live day to day and we enjoy our lives, but there has to be a payoff where we start to go, right, well, this is what we're gonna put here to make that goal, whether for the first year we do this, or is there some sort of plan we can look at going forward on how we structure that?","start_word":4550,"end_word":4622,"intents":[{"intent":"Create a space","confidence_score":0.28553152},{"intent":"Structure and optimize investments","confidence_score":0.0002667523}]},{"text":"So your wealth's gonna naturally grow quicker than the mortgage, and you could potentially swing it in there, pay it off, whatever it is. The flip Yes.","start_word":4698,"end_word":4724,"intents":[{"intent":"Boost financial growth","confidence_score":0.00034248125}]},{"text":"it's a little bit of like debt recycling. Yep.","start_word":4884,"end_word":4892,"intents":[{"intent":"Reduce debt and debt recycling","confidence_score":0.014328657}]},{"text":"use the first couple of properties to start getting that that equity to do Yep. into that type of strategy, but I'm never interested in getting a dozen properties to try and manage or Yeah. even.","start_word":5046,"end_word":5081,"intents":[{"intent":"Rejecting investments","confidence_score":9.221324e-8}]},{"text":"What I would do is rather than going full ham into a debt recycling strategy and go through all Yep. the Alright.","start_word":5339,"end_word":5360,"intents":[{"intent":"Rethink debt recycling strategy","confidence_score":0.00309416}]},{"text":"So just to give you an indication, the accounts that you use, there's some very basic ones, and there's some of your advanced ones like your hub 20 Yep. fours.","start_word":5603,"end_word":5632,"intents":[{"intent":"Check account details","confidence_score":0.0030065668}]},{"text":"That's where I need to need your advice. And are we overshooting the mark here or no? That's totally fine.","start_word":5951,"end_word":5970,"intents":[{"intent":"Get advice","confidence_score":0.41969377}]},{"text":"of truth Yep. in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision. Yeah.","start_word":6041,"end_word":6067,"intents":[{"intent":"Understand decision-making process","confidence_score":0.000056709363}]},{"text":"in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision. Yeah.","start_word":6044,"end_word":6067,"intents":[{"intent":"Make an informed decision","confidence_score":0.053407606}]},{"text":"When we put in their own budget, obviously, insurances fuel, everything that comes with that servicing, all that, what it looks like compared apples for apples, you know, with before tax dollars too. Yeah.","start_word":6126,"end_word":6159,"intents":[{"intent":"Compare costs","confidence_score":0.17618525}]},{"text":"Do you guys have any questions on the statement of advice that I've sent you for this morning just before I let you go?","start_word":6329,"end_word":6352,"intents":[{"intent":"Ask questions about statement of advice","confidence_score":0.0075442293}]},{"text":"Now I was reading it myself, and I was a little bit like, what's capital what's the capital gains? What's this?","start_word":6364,"end_word":6384,"intents":[{"intent":"Inquire about capital gains","confidence_score":0.0032590795}]},{"text":"That's the thing. And that's probably where we're learning as we go, mate, which I appreciate your patience with, mate, because obviously, being with Cbus before and Laura being with Hester, you got a Yeah.","start_word":6457,"end_word":6491,"intents":[{"intent":"Express appreciation for patience","confidence_score":0.0908875}]},{"text":"statement, and it said this year you got 8.3%. And you went, oh, that's good. I've earned 8.3%.","start_word":6492,"end_word":6509,"intents":[{"intent":"Explain investment performance","confidence_score":0.012621901}]},{"text":"And, look, to be honest, you Yep. guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy. But Yeah.","start_word":6559,"end_word":6597,"intents":[{"intent":"Explain investment strategy","confidence_score":0.04399181}]},{"text":"guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy. But Yeah.","start_word":6566,"end_word":6597,"intents":[{"intent":"Express joy in interacting with clients","confidence_score":0.000007309784}]},{"text":"chip away at it.","start_word":6622,"end_word":6625,"intents":[{"intent":"Apologize for lack of information","confidence_score":0.0006646649}]},{"text":"So we're trying to figure out better ways that we may be able to get some benefits out of that. Yeah. Cool.","start_word":7017,"end_word":7038,"intents":[{"intent":"Explore benefits from benefits","confidence_score":0.00016315703}]},{"text":"Do you know what I'll know if we get it to I don't know. I don't know what the exact benefits of it are. Yep.","start_word":7318,"end_word":7342,"intents":[{"intent":"Explain and discuss benefits of new plan","confidence_score":1.2932117e-8}]},{"text":"Again, with this sort of thing, it looks like it's a yearly payment. it.","start_word":7395,"end_word":7408,"intents":[{"intent":"Represent past payment policy","confidence_score":1.04682325e-10},{"intent":"Clarify loan repayment duration","confidence_score":2.74136e-8}]},{"text":"We need to make an appointment with with Grant too to sort out our next Yeah.","start_word":7487,"end_word":7502,"intents":[{"intent":"Make an appointment with grant","confidence_score":0.01295514}]},{"text":"Our loan and how he's gonna structure all that and whatever budget it. And that's gonna change a little bit.","start_word":7509,"end_word":7528,"intents":[{"intent":"Understand loan structure","confidence_score":0.0010909602}]},{"text":"Would you like us to see Grant before that point, Tommy? So we've got figures and everything, like, sort of all ready to go to book basically lay out in front of you guys and go, this is where we are. That would be fantastic.","start_word":8048,"end_word":8092,"intents":[{"intent":"Schedule meeting","confidence_score":0.2229569}]},{"text":"I think budgeting and variable one for us to just just create a new place just to see what you your thoughts were on it, what what we sort of do and what you where you think maybe we could improve.","start_word":8279,"end_word":8319,"intents":[{"intent":"Request and improve budgeting","confidence_score":0.0009406761}]},{"text":"Do you guys want me to book in a day in April now while I've got you, Yes. or you want me Yeah.","start_word":8447,"end_word":8469,"intents":[{"intent":"Book a meeting","confidence_score":0.022921119},{"intent":"Provide availability for a meeting","confidence_score":0.008272882}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hey, guys. It's Tommy from Oakview. How are you doing? Good. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15521953999996185},{"text":"Good. Thank you. Happy Friday.","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.4658642113208771},{"text":"I was just trying to call Blake's mobile, but it was engaged for some reason. So I thought I'd try yours, Laura. Yeah. No worries. I don't know why, but yep. We we do seem to be communication curse at the moment, which was Awesome. always the way. Do you both have a little bit of time this morning, or will Yeah. I just go through with Blake today? What would be the preference? Yeah. No. We're both here. So I'm just on the computer at the same time, but all good.","start_word":21,"end_word":112,"sentiment":"neutral","sentiment_score":0.04475148767232895},{"text":"Perfect. Perfect.","start_word":113,"end_word":114,"sentiment":"positive","sentiment_score":0.4410534799098969},{"text":"And I do apologize this morning. I made sure I sent the invite out to Teams last night and for some reason disappeared in the last half an hour. Of course, it did. I've sent through that statement of advice, Laura. It already said that you've signed it so far. Do you have the document open in front of you? I can do that.","start_word":115,"end_word":178,"sentiment":"neutral","sentiment_score":0.03585648164153099},{"text":"Perfect.","start_word":179,"end_word":179,"sentiment":"positive","sentiment_score":0.3564808964729309},{"text":"And how are you going over there, Blake? You hear what I might do?","start_word":180,"end_word":193,"sentiment":"neutral","sentiment_score":0.09827685356140135},{"text":"Fantastic. It's actually been a really good week, and I was really looking forward to chatting to you guys today. But, yeah, it's been a fantastic week.","start_word":194,"end_word":220,"sentiment":"positive","sentiment_score":0.6405419707298279},{"text":"Yeah.","start_word":221,"end_word":221,"sentiment":"neutral","sentiment_score":0.3119799494743347},{"text":"All good, man. That's good.","start_word":222,"end_word":226,"sentiment":"positive","sentiment_score":0.38890203833580017},{"text":"Alright. While you guys are grabbing that document up, I did wanna just quickly ask you as well. With the timing of the sale of the property and everything, Mhmm. is May. Do you think a good time for us to catch up in May? Do you think you'll have all of the proceeds by then being moved in? Or We're hoping to be moved in by May. Yep. I'd like to see you before that, Tommy, and go through some bits and pieces, mate, that we're try I'm trying to figure out in my own head. Yeah. That'll be good because I wanna make sure that we've got enough time to do anything contribution wise before the end of financial year because sometimes June can be a little bit of a rush. Yep. And if we need to go through again, like, what to do with the funds, whether it's investments and movements around and things like that, Yep. would you would your preference be to kind of pop into, like, the office for that or just a Teams call, phone? What would kind of I'd work rather for you guys? I'd, yeah, Yeah. I'd rather come in, mate, with all the information in front of us. Yeah. I don't know about Laura, but I would, yeah, just so we can discuss it and go through it Yeah. and get Especially a proper the understanding. the visual side of it is gonna be really important, especially Yeah. given all the moving parts. I'd rather even just bring up the old whiteboard and kind of map it out for you guys a little bit.","start_word":227,"end_word":500,"sentiment":"neutral","sentiment_score":0.08035752595993724},{"text":"That'd be great, mate.","start_word":501,"end_word":504,"sentiment":"positive","sentiment_score":0.6274023056030273},{"text":"Yeah. I'd I'd like that.","start_word":505,"end_word":509,"sentiment":"neutral","sentiment_score":0.301138699054718},{"text":"Cool. The nice and easy one this morning.","start_word":510,"end_word":517,"sentiment":"positive","sentiment_score":0.803022563457489},{"text":"So, again, we were just holding off on doing anything contribution wise until that's all finalized. So Well, this that is is purely that that yeah. That went through the other day, mate, so we can actually have that meeting whenever you We don't know the news. We don't know about the other side of things that we haven't completed the purchase of the other plates, though. yeah. Gotcha. Gotcha. Yep. Gotcha. Okay. Cool. So I'll work that in a little bit too over the next sort of month or so. I might just walk through this document today because this is just a portfolio update, and then we'll Yep. kind of book in for that next catch up. Yep.","start_word":518,"end_word":637,"sentiment":"neutral","sentiment_score":0.086674265563488},{"text":"Cool.","start_word":638,"end_word":638,"sentiment":"positive","sentiment_score":0.37618839740753174},{"text":"Cool. Most of this, if you have a little bit of scroll through the document, you guys have been through SOAs before, so I won't bore you with some of the the basic details. Yep. Can you pop through to page three zero four for me where it's got the scope of advice listed? Mhmm. Cool.","start_word":639,"end_word":694,"sentiment":"neutral","sentiment_score":0.1699664145708084},{"text":"So this is just capturing, again, overarching retirement goals, that early retirement around 60, the review of the superannuation, someone, which is what we're really focusing on today.","start_word":695,"end_word":722,"sentiment":"positive","sentiment_score":0.3395299017429352},{"text":"And there was just a couple of reminders in there just to make sure all the wills and power of attorney and things, estate planning wise, are up to date because your beneficiaries are all accurate, if that makes sense. Mhmm. I Cool. don't think we've done our rules yet, but we've definitely done all the others. Yeah. And it's one of those things too where there's always three options for basic setups. You can do a $25 will kit from the post office. There's obviously Yep. lawyers, of course, but you've also got the public trustee of the state can also do appointments, you know, kind of like the courthouse. They can do appointments for the same thing. Mhmm. As far as what we're not doing at the moment, so with the insurances, we're basically just talking about holding off on that for the time being. So once you've got the finalized sort of build in Paradise Pointe, we'll know a bit more about the final debt. I know, Blake, you said it's gonna be around $8.50 to 900,000. Is that right? Yeah. And then you gotta I think we gotta take into consideration on the end of that, mate. It's the what do you call it? The lost and trying to sort again. No. You're right. It is the end of the week. It'll come back to you. Yeah. Stamp duty? Stamp duty. Stamp duty. Yep. Yep. And I've put Yep. in a few things in this document just about paying the parents back for that deposit assistance Yep. Yep. and things like that. So you're Yep. looking at clearing maybe $8.80 approximately. Would would you say that's before or after stamp duty? 4 Before. Yep. Cool. I've put in some four. of the Yep. cash flow and debt management goals because, obviously, this document just deals with updating your super portfolio. But, again, I've just noted down that that's all being finalized very soon. We'll talk about future investments, contributions, what to do with properties in cash, and so on, both in terms of lump sums and cash flow in our next catch up.","start_word":723,"end_word":1079,"sentiment":"neutral","sentiment_score":0.086963251149621},{"text":"Yep. Beautiful.","start_word":1080,"end_word":1081,"sentiment":"positive","sentiment_score":0.6106614470481873},{"text":"The situation for your current Mhmm. finances can you flick through to page seven or eight for me? I did a little bit of a jiggle around with the figures just to add in some additional context, and just wanna make sure you guys are happy with what I've written. So in your about you section, there's a table there. Like, I've put you down at around about 200,000 for the income at the moment because I know based on everything that you've just last time, which you're basically like, I'm going over 200. It'll probably end up being $2.40. And at some point with all the OT that's coming up, you could even surge well above that to the $300,000 mark. Does that sound right from what you were saying? Yep. Yep. So I'm going a bit more conservative, just keeping it at 200 at the moment. And then once we get a bit more handle on what that OT looks like, I'll just update it. K. And, Laura, for yours, actually, I've worked back your contributions from work, and it's been pretty consistent the last twelve months. So it kinda looks like you're on around about $7,071,000. Does that sound right to you? Yeah. Sounds about right.","start_word":1082,"end_word":1290,"sentiment":"neutral","sentiment_score":0.1100786104798317},{"text":"Perfect.","start_word":1291,"end_word":1291,"sentiment":"positive","sentiment_score":0.5841748714447021},{"text":"Alright. So there's a bit of context down there below for both of you guys and how I arrived at those figures. And then if you go to your lifestyle assets and liabilities on the next page, I've just put in there the investment property in Sydney, which the the debt was remaining on that was a mil 60, and I think the purchase price you guys settled on was 2 mil 50. Is that right? Yep. Yes. Yep.","start_word":1292,"end_word":1370,"sentiment":"neutral","sentiment_score":0.0759442076086998},{"text":"Perfect.","start_word":1371,"end_word":1371,"sentiment":"positive","sentiment_score":0.5921977758407593},{"text":"And I've just put the duplex in as pending because I don't wanna attribute that as an asset if it's not kind of built finalized and the loan's not there just yet. But as soon as we get that, I'll update the system as well.","start_word":1372,"end_word":1416,"sentiment":"neutral","sentiment_score":0.05167808383703232},{"text":"Yep. Perfect.","start_word":1417,"end_word":1418,"sentiment":"positive","sentiment_score":0.5637344121932983},{"text":"If you go through the next section, so we've got the two Hub 24 Supers. We've got the MetLife policy. We've got the Encompass policy there on pages eight, nine, and 10. And if you go through to page 11, we just got your high growth risk profile at the moment. Mhmm. Cool. The strategy on page thirteen and fourteen, that's probably the main text heavy area I just wanted to run by you guys before you decide. Just let me know when you can see that. It should say Yep. this one's for Blake specifically, and I've kind of copied the same thing for both of you guys. So what we're doing at the moment, I took into account I don't know if you remember last year when we were speaking, you were wanting to kind of avoid, like, battery tech, lithium, that type of area given everything that was going on in your industry. Does that Yep. ring a bit of light? Yeah. It does, mate. I'll just I wanna revisit that, mate, whether that's a good what your thoughts are on that at Yeah. It's one of those ones where the those sectors, there'll be some growth moment. long term anyways. Yeah. Yeah. It's getting away from that space and going a little bit more into your industry, which Yeah. is kind of what I've done, is going a bit more traditional, bigger companies that are that are investing in your space, especially domestically Yep. as well. Yep. It's gonna have a pretty similar outcome. Like, some of those sectors, they're gonna be quite different over a single year where Yep. one may jump up 30%, the other 15, and then vice versa the year afterwards. But I do see it averaging out pretty similar over a Right. five year period. Right. Yep. And if it's one of those things where we go through and there's some news updates and some industry updates where you go, actually, there's a really big movement in one space or the other, I can Yep. kind of jiggle it back in.","start_word":1419,"end_word":1768,"sentiment":"neutral","sentiment_score":0.044566008938210354},{"text":"That's no trouble at all.","start_word":1769,"end_word":1773,"sentiment":"positive","sentiment_score":0.33349335193634033},{"text":"Okay. That and that that was around the discussion we had about you having more control to move things around than just being stuck in that A space. little bit. Yeah. And Yep. I haven't gone through to recommend our SMA just yet Yep. for that new structure, but Yep. I've just updated some of the options in the portfolio. The main one for you guys, the real reason for this, is I wanted to remove that Benelon option, which was kind of underperforming in Australia. Mhmm. That's Yes. kind of the main anchor. Performance Yep. has been good overall, but I just wanted to make sure that was fixed up Yep. and just going a bit more traditional with it. Okay. K? How much is that phone underperforming, Tommy?","start_word":1774,"end_word":1903,"sentiment":"neutral","sentiment_score":-0.08336412906646729},{"text":"It's kind of been negative for the year.","start_word":1904,"end_word":1911,"sentiment":"negative","sentiment_score":-0.4664095342159271},{"text":"So with Yeah. most of your options going up twenty, thirty, 60%, that one's Yeah. down 19, and Yep.","start_word":1912,"end_word":1930,"sentiment":"neutral","sentiment_score":-0.2199770361185074},{"text":"the Aussie market's been kind of flat for the year. So it's kind of just shot off in a downward direction away from the pack.","start_word":1931,"end_word":1955,"sentiment":"negative","sentiment_score":-0.4654305875301361},{"text":"Yeah. I can see that actually when I look at your investment thing now. I was just pointing Yeah. it So one of because the cool I've I've seen on my supermax just sort of it feels like it's a bit of a, what things do you call it? The Pyramids Of Egypt at the moment. It's up, down, and around. You know? And I mean, that's sort of where it's hasn't moved down, I hope, and it hasn't moved up, I hope. It's just sort of level pegged for a while. Yeah. Exactly. Right. And that's Yep. kind of what I'm expecting for this year given sort of what's going on geopolitically. What Yep. I'm kind of expecting at the moment and why I've chosen these options is once that volatility settles down, this is gonna give you the most consistent sort of guaranteed return on the way out Yep. rather than trying to pick the winners and losers this year given how uncertain it is. Yep. So what we're basically doing is it's gonna be up and down quite a lot. One of the tricks that I've done is because because Hub Yep. 24 is a wrap platform, I won't go too technical with it, but we've got full control over capital gains tax under the hood as Yep. opposed to a usual super fund. So when we sell something, we can buy something else and kind of offset the capital gains. Lost Okay. So why I wanted to make these changes now is because if Ben Long's down and we sell out of that one, that offsets almost all the gains for all the other options I wanna rebalance. Okay. So chops out, like, 80% of the capital gains tax for your super.","start_word":1956,"end_word":2251,"sentiment":"neutral","sentiment_score":0.042663590315528015},{"text":"Great. Yep.","start_word":2252,"end_word":2253,"sentiment":"positive","sentiment_score":0.41203823685646057},{"text":"Cool. So That's it's just that's a bit of what a the bottom bit was accounting about that trick. I read about. I I couldn't understand that, so now I get it. Yep. Yeah. Yep. So, again, we're just trying to improve the position over five to ten years. Retirement's a while away. The options we've picked, we've got lower investment fees, better track record, and more consistent Yep. through different Yep. scenarios. Again, there's so Yep. much uncertainty. I didn't wanna go crazy with it. But, again, Yep. because you're super, so large, even with offsetting most of the capital gains, it's still gonna pay about 1,600 in tax from all the gains from, like, your gold fund and all this kind of Yeah. thing as well. Yeah. Yeah. Yeah. Yeah. I saw that. Yep. Yep. And one of the main things too, this might seem counterintuitive, but you know how gold's been doing fantastic the last twelve months. Yep. It's kind of overshot so high that it's become a huge portion of your overall portfolio. So Yes. because of wanting to switch some of the options, selling the Benelong, trimming some off the gold, and putting it into the ones I wanted to get in, Yep. It's the timing to do that now, but all your Yep.","start_word":2254,"end_word":2472,"sentiment":"neutral","sentiment_score":0.1184410440935392},{"text":"contributions, they're still gonna be buying into it consistently.","start_word":2473,"end_word":2481,"sentiment":"positive","sentiment_score":0.41628023982048035},{"text":"So I'm not reducing Yep. it or removing it or getting away from it. I'm just doing a bit of an accounting trick. Yep. Yeah. So it sounds a bit like what Silver did. When everyone jumped in on Silver, mate, that went so high, and then it then started to drop out. Yeah. Exactly right. And this Yep. type of rebalance, we call it, is Yep. basically just buying low to sell high Yep. and doing both at the same time. So you trim Yep. some of the profit off to Yep. buy the dips, Yep. switch into Yep. what you want, and then it's just gonna be that consistent buy in from all your contributions. Yep. Yeah. Because isn't copper doing the same thing now? Minerals and that, they're they're it's sort of shooting through the roof too. Yeah. Everyone's kind of jumping and almost hopping between different metals, and they're Yes. all kind of doing a similar pattern at the same time. Yeah. Yep. No. That's fine. That's sort of what the conversations I've had around at my at the moment. Yeah. So I just sort of sort of run it for you. Yep.","start_word":2482,"end_word":2678,"sentiment":"neutral","sentiment_score":0.0785195454955101},{"text":"Perfect.","start_word":2679,"end_word":2679,"sentiment":"positive","sentiment_score":0.3796677589416504},{"text":"On page sort of sixteen, seventeen, it just revisits, like, the asset allocation just showing you that we're going a little bit further away from the Aussie market, a little bit heavier Yep. into the international market, still keeping the gold there, Yep. Yep. and a little bit of defensive just to keep you guys within that high growth profile. Not going too risky with it, just keeping it consistent. Yep.","start_word":2680,"end_word":2750,"sentiment":"neutral","sentiment_score":0.14882411062717438},{"text":"Cool.","start_word":2751,"end_word":2751,"sentiment":"positive","sentiment_score":0.43702685832977295},{"text":"The performance at the bottom there, the five year rolling average, going backwards, you're averaging in the current options about 12%. We're bumping up to around thirteen, fourteen. And, Yep. again, past performance isn't gonna tell us what's gonna happen going forward, but the options No. I've picked, they're the most consistent when the market does go up in all sectors. K. Yep. There was some alternatives in here that I've considered where I wanted to switch Ben along out for another active fund, Yep. but the active funds, it's already outperformed the market going back five years. They don't normally do it for ten years straight, if that makes sense. Yep. Yep. So it tends to come in like these these phases and waves where the active funds have done fantastic for five years. If I put you in that now and it underperforms the market, it's gonna lag you like the Benelong was doing. Yes. I Not gotcha. to the same degree. It's fantastic Uh-huh. options we've got in the back pocket, but, Yep. basically, I'm seeing that kind of passive index space doing the most consistent returns. And once there's some options to swing into some of these other options, I'll revisit that in about two years' time. Yep. Okay. Yep.","start_word":2752,"end_word":2965,"sentiment":"neutral","sentiment_score":0.13289368152618408},{"text":"Cool.","start_word":2966,"end_word":2966,"sentiment":"positive","sentiment_score":0.35026806592941284},{"text":"And that's pretty much the main thing. I've just got in here performance figures, fee differences, and so on. We factored in all the capital gains tax and just wanna check if you guys are are sort of happy with what we've come up with. Yeah. Yeah. No. That's fine, mate. Yeah. I think all the other stuff that I wanted to talk about, we can talk about when we're face to face, and I can get through all that. It'll be easy. Yep. Yep. The last thing I want to mention on the super portfolio Yep. is we've kind of pulled out that small allocation to property and gone more metals and stocks. Now you know how in Australia, Yes. property is kind of king? Yep.","start_word":2967,"end_word":3093,"sentiment":"neutral","sentiment_score":0.13816152823956931},{"text":"That's not really the case when it comes to the ETFs and the managed funds is they don't seem to keep up with the usual residential market.","start_word":3094,"end_word":3120,"sentiment":"negative","sentiment_score":-0.4439254701137543},{"text":"Yes. Yep. So Is if that you the own channel 10 and the properties, one that we're in or whatever? Is that that the being not is it? the China one, it is VanEck. VanEck. Yep. VanEck, whatever you wanna pronounce it, Yep. Australian Yep. property, MVA. Okay. Yep. And what I find there is if you had 10 properties, especially residential ones, the the consistent growth in Australia for centuries has been incredible. But this market tracker, it seems to spread out so thin across the country that it doesn't really hit the same figures. Yep. Gotcha. Yep. K? So it's not that I we don't like property and as an asset class, but just the Yep.","start_word":3121,"end_word":3238,"sentiment":"neutral","sentiment_score":-0.06824077665805817},{"text":"options that we can put you in are kind of limited, and they just they don't seem to ever perform as well as what everyone experiences in their day to day.","start_word":3239,"end_word":3269,"sentiment":"negative","sentiment_score":-0.4282682240009308},{"text":"Yes. So you what you're basically saying is you're better off actually having the property yourself as a physical asset than having it in an ETF as a nonphysic. I'm just trying to take a percentage out of that. You know what I'm saying? In the growth market. Yeah. Yep. Yeah. It was the same thing with infrastructure. Like, we had some years there where for some reason, the listed market was just tanking, Yep. but the valuation, all these office buildings, airports, energy factories was just going through the roof, but the the market Yep. was just tanking because people were selling out of it and just buying Yeah. them unlisted privately. Yep. K? So if I do ever find an option where it does track it pretty well, probably swing it back in, but Yep.","start_word":3270,"end_word":3406,"sentiment":"neutral","sentiment_score":-0.1177835538983345},{"text":"it's at the moment, it's just kinda lagging behind when it shouldn't be.","start_word":3407,"end_word":3419,"sentiment":"negative","sentiment_score":-0.3594392240047455},{"text":"Yeah. Yeah. 100%. Right. Yeah. Because it it'll be interesting to see what happens with property in Australia the next sort of couple of years. So Yeah. Have you got any thoughts on which way it might go? Or my own personal opinion is, mate, that it's gonna have to steady. I can't yeah. say it's going.","start_word":3420,"end_word":3476,"sentiment":"neutral","sentiment_score":-0.09797604519285652},{"text":"I just can't. If it does, I don't know how anyone's gonna get in on it. And the I think the biggest issue is now, mate, is if the government bring in those new laws they want to, you're gonna have an influx of housing that no one can afford.","start_word":3477,"end_word":3526,"sentiment":"negative","sentiment_score":-0.5668964982032776},{"text":"Yeah. Investors sell Yeah. out because they don't wanna take capital gains before this, you know, 25% comes in because it's a big year. So Yeah. they sell out early like Elbow has done. And then you still got people that need to buy those houses.","start_word":3527,"end_word":3572,"sentiment":"neutral","sentiment_score":-0.22893452644348145},{"text":"That's the problem, I think.","start_word":3573,"end_word":3577,"sentiment":"negative","sentiment_score":-0.3761743903160095},{"text":"Tommy, I don't know what your thoughts are, but Yeah. yeah. It's been a really weird kind of ride because I've been so heavily watching this since about 2012 or even o nine when I was coming out of high school watching the GFC. And when COVID hit people popping states, we had Victoria, New South Wales going to Queensland, which kept us Yep.","start_word":3578,"end_word":3641,"sentiment":"neutral","sentiment_score":-0.23921938240528107},{"text":"flat because the influx Yep. of people selling a million dollar unit to go into a $600,000 house.","start_word":3642,"end_word":3659,"sentiment":"negative","sentiment_score":-0.4004205465316773},{"text":"Yep.","start_word":3660,"end_word":3660,"sentiment":"neutral","sentiment_score":-0.17105746269226074},{"text":"And the moment it became unaffordable with interest rates skyrocketing and all this kind of thing, then they opened the floodgates to all the foreign investment to come in and pick it up, Yep.","start_word":3661,"end_word":3694,"sentiment":"negative","sentiment_score":-0.40697580575942993},{"text":"and that kept it going Yep. again. What I tend to see happen if you go historical is there's always some sort of legislation Yep. or government policy that just hits a trigger point that causes a complete swing. And that's the only thing that happens is the market does its thing over time. It bounces out, and then someone changes the law, and all of a sudden, there's a panic.","start_word":3695,"end_word":3765,"sentiment":"neutral","sentiment_score":-0.2559451460838318},{"text":"And even if it's just gonna even out in the long term, the panic's Yep. usually what causes crashes.","start_word":3766,"end_word":3784,"sentiment":"negative","sentiment_score":-0.3812022507190704},{"text":"Yes.","start_word":3785,"end_word":3785,"sentiment":"neutral","sentiment_score":-0.1123371571302414},{"text":"And then you've got the unaffordability for all the first time buyers who bought a huge amount of debt the last couple of years, and everyone was trying to get into their first home and they got it, but it's barely affordable.","start_word":3786,"end_word":3827,"sentiment":"negative","sentiment_score":-0.48640331625938416},{"text":"Yep. They're probably looking at selling too and then the investors. So it's it's all these things compounding.","start_word":3828,"end_word":3845,"sentiment":"neutral","sentiment_score":-0.23730511963367465},{"text":"It's just really hard to time, though.","start_word":3846,"end_word":3852,"sentiment":"negative","sentiment_score":-0.3522910177707672},{"text":"Yes. Correct. Yep. So at Yep. the moment, just with uncertainty, I would kind of again, I'm I'm really glad that you guys have actually sold the property in Sydney because with Yep. the uncertainty, it's better just to kind of watch it for a little while and see how it's starting to play out and then take some opportunities after that. Yes. Yeah. Yeah. Because that that yeah. That could even impact you, I guess. You know what I mean? If if the market's closed, I don't know if it will or it won't, but we don't I don't Yeah. know. With interest rates. Well, if that even if it's closed or it crashes the market a bit, you know what I mean? That impacts what we've done. That's what I'm trying to say. Exactly. Right. And, Laurel, that's one of the things I wanted to ask you today as well is because we're kind of gearing up for a few of these ideas, and I wanted to just get your thoughts to make sure you both are on the same page, which is you both kind of seem like you you wanna avoid getting direct investment properties going forward, more so pay off the debts that you've got, have some financial security, maybe do a bit of investing that's a bit more traditional. How have you been finding all of this the last six months and and your thoughts going forward? Yeah. We're given everything that happened with our property in Sydney, we're a little turned off the investment property road at the moment. Yep. It's interesting when you go through that, the the feedback that you get from people with the exact same situations with rental properties and tenants and things. So Yeah. we are a bit turned off at the moment, but that's not to say that down the track, it's not something we wouldn't consider. But I think we just wanna get to a position where we pay down this new mortgage as much as we can to give us that financial freedom day to day Yep. and then look at what else we can do investment property wise possibly.","start_word":3853,"end_word":4217,"sentiment":"neutral","sentiment_score":0.017624469463751742},{"text":"And especially given the surge that you're expecting for Blake's income, it would be nice Yes. to, again, use that to even just build up something in an offset account. So it's like you've paid off the property, but you still got access Yep. to it. So that gives you flexibility as well.","start_word":4218,"end_word":4270,"sentiment":"positive","sentiment_score":0.4019203186035156},{"text":"That's something that we have to look into too with Grant is what sort of loan we go with and how we manage our funds and all that sort of thing. Yeah. Exactly right.","start_word":4271,"end_word":4304,"sentiment":"neutral","sentiment_score":0.1474301815032959},{"text":"And one of the things I wanted to just kind of plant in your minds to talk about over the next three months, twelve months, is there's kind of two real big ways to get ahead financially.","start_word":4305,"end_word":4341,"sentiment":"positive","sentiment_score":0.38576897978782654},{"text":"Right? There's the loan route where people have some equity. They borrow and get an investment property, and they just start borrowing on borrowing on borrowing and accumulating lots of assets, whether it's property, commercial, shares, whatever it is. It's like Mhmm. a investment debt gain. Mhmm.","start_word":4342,"end_word":4388,"sentiment":"neutral","sentiment_score":0.1864458918571472},{"text":"The flip side to that is it's actually okay if you find personally it suits you guys better to just have the house paid off and invest in some traditional portfolios that are, like, on a screen, on a platform. You can pick and choose the options like your super, and it would just kind of grow nice and consistently.","start_word":4389,"end_word":4448,"sentiment":"positive","sentiment_score":0.4188667833805084},{"text":"And you don't have to worry about managing the people side of things or property managers or lawyers because it's all just through fund managers off in the world, Yeah. and you get to Yeah. pick what you invest in.","start_word":4449,"end_word":4488,"sentiment":"neutral","sentiment_score":0.30116915702819824},{"text":"I think that definitely sounds more appealing to us at the moment.","start_word":4489,"end_word":4500,"sentiment":"positive","sentiment_score":0.43104827404022217},{"text":"Yeah. How do we use that to help with their own mortgage? That's that's my that's my big thing now is, like, just wanting to get that debt down. And I don't wanna Yeah.","start_word":4501,"end_word":4534,"sentiment":"neutral","sentiment_score":0.17274890840053558},{"text":"waste the opportunity of being given with.","start_word":4535,"end_word":4541,"sentiment":"negative","sentiment_score":-0.3916182518005371},{"text":"Yeah. I'm not gonna waste financially our time.","start_word":4542,"end_word":4549,"sentiment":"neutral","sentiment_score":-0.12669125199317932},{"text":"I wanna create a space where, yes, 100% on Gurriel Law.","start_word":4550,"end_word":4560,"sentiment":"positive","sentiment_score":0.3449903428554535},{"text":"We still live day to day and we enjoy our lives, but there has to be a payoff where we start to go, right, well, this is what we're gonna put here to make that goal, whether for the first year we do this, or is there some sort of plan we can look at going forward on how we structure that? And that's that's the thing is there's two real options within Yep. that other option, like a sub options here, is let's say you just pump all the cash in, smash out the mortgage, and build up some investments on the side. You're obviously expecting your investment to get a higher return as a percentage Yep. than what the loan is. If the loan's 6%, you wanna be aiming eight, nine, 10, or above. K? So your wealth's gonna naturally grow quicker than the mortgage, and you could potentially swing it in there, pay it off, whatever it is. The flip Yes. Yes. Hospital. side is Yes. you Yep. can essentially smash all of your cash into the mortgage and then borrow off of that a small amount. So you know when you get an investment property and you get this little deposit, $50, and you buy something that's 800,000, and you've got this $750,000 loan. Like, you've leveraged up so much on $50. Yeah. Yep. The flip side is you take $50 of equity from the house, and you put that into $50 worth of investments. Yep. And it's a kind of one to one leverage, not like eight times. Yeah. Did you Yes. put it back? Or 16 times. So that's a way to get good debt and Yep.","start_word":4561,"end_word":4843,"sentiment":"neutral","sentiment_score":0.1924481987953186},{"text":"accelerate paying off the mortgage and growing wealth quicker without stacking on loads of loans that you're gonna take a decade or two to pay off and Yep.","start_word":4844,"end_word":4871,"sentiment":"positive","sentiment_score":0.38827887177467346},{"text":"also avoid the headache of the property side of things. So Yep. it's a little bit of like debt recycling. Yep. And that's what I yeah. That's sort of where my head was at last time we spoke. I mean, I was trying to speak to Laura or Laura and I spoke about that side of it being yeah. If we put what you just mentioned, mate, you put 50 in something, but then say at the end of that, mate, we've made a 100. You go, right, pull that 100 and put that over there. We'll take or take 50 of that, put that over there off your mortgage, and we'll take another 50, and we'll go again or however that works. Do you know what I mean? However you guys Yeah. think we roll with that bit creating, yeah, as you said, a bit of one for one, not one for eight. Yep. Exactly right. And that's Yep. something similar that I I kind of do personally as well is I Sure. use the first couple of properties to start getting that that equity to do Yep. into that type of strategy, but I'm never interested in getting a dozen properties to try and manage or Yeah. even. See, one or two one or two, I can see Laura and I have been happy with them. I think we'd be happy with units, to be honest with you. Yeah. That's sort of Something where we're with at. an on-site manager that's, like, consistently Yeah. managed. I just think it's a smaller risk portfolio, mate, and with unfortunately, for young ones now, it's more Yeah. realistic for them to be looking at that market than the house. Yeah. Yep. It's So it's just Friday. that's one of the things too is if we have to have considerations for helping the kids out over time as well, because Yep. I don't wanna lock you into a path where you guys have to dedicate the next ten, twenty years to something for yourselves without having any flexibility to assist them Yes. either. Correct. Yep. So one of the things that what I'm kind of envisioning, and we'll confirm it when we speak because, obviously, we have to rediscuss the options, Yes. Yes. is the world's crazy for this year. It's it's almost a write off. Totally agreed, mate. I'm just I'm rattled already, and it's two months in. I don't know. Yeah. Three months. Three months. Sorry. There you go. That's where I'm at. Exactly. So by the time you guys move into the property and settle into things, we're gonna be looking at, like, the you know, a little bit of contributions in the super, and we're talking second half of the year. It's only six months. What I would do is rather than going full ham into a debt recycling strategy and go through all Yep. the Alright. advanced things, is Yep. let's just do a dip the toe in the water, Yes. maybe set you up with this little account where we put a small amount in and a small consistent amount to invest Yep. Yep. and see how it plays out through the markets compared to your super but with a different portfolio. So Yes. instead of going high growth with it and high risk, we'll do Yep. something Yep. a little bit more middle and see how that goes, see how it behaves, and then we can revisit it at the end of the year and say, okay. You've got your policy anniversary for your insurances. We'll chat about them. We'll see how your super compared to your investment and decide whether you wanna go a little bit more faster on the gas or slow it down, whatever it is. By then, we'll have a bit more of an idea about what's happening in the world and where the opportunities are. Then in the year after, we can decide whether we're gonna okay. You've put all this cash into this property. Now we'll use some of it to do maybe some debt recycling. So just take it in two steps.","start_word":4872,"end_word":5565,"sentiment":"neutral","sentiment_score":0.06442364792390498},{"text":"Yeah. I like that idea, mate. I like the I like the sand of dipping our toe in the water first and just seeing how we go after six months. I quite like that idea.","start_word":5566,"end_word":5600,"sentiment":"positive","sentiment_score":0.6200514435768127},{"text":"Yep. So just to give you an indication, the accounts that you use, there's some very basic ones, and there's some of your advanced ones like your hub 20 Yep. fours. Yep. There's minimums. So generally speaking, you might want $10 as a minimum or something like that Yeah. because you've got to keep a couple of grand in cash Mhmm. and you wanted to actually do something. Yeah. So these types of figures we'll talk about in our next catch up as well. Yeah. And then Yeah. just get an account Yep. open, make sure the contributions are optimized, make sure you've got a plan for the property, and what you're gonna do with your cash flow, because, obviously, you need to settle into your cash flow and your budget. Yep. And then we'll let that go for six months, revisit it after that.","start_word":5601,"end_word":5745,"sentiment":"neutral","sentiment_score":0.07648601819728983},{"text":"Yeah. It seems good, mate. Cool.","start_word":5746,"end_word":5751,"sentiment":"positive","sentiment_score":0.5679020881652832},{"text":"Yeah. And then did you sorry. Coming off subject, but did you get the emails I sent you through through with the lease car Yes. I did, stuff? actually. That I that's do apologize. fine. I've No. flicked That's fine. that over to, Sevi, and we were having Yep. a chat about it this week. Yep. And, he's fallen ill at the moment. He's got gastro. So Alright. I'll stay away yeah. from serving you. I'm good. Yep. So I am intending to pretty much catch up with him, like, Monday, Tuesday, and then flick it back a bit of an email. I do apologize for that. Yep. No. That's totally fine, mate, because that that wouldn't be something that I look at until the second quarter of the year anyway because the particular car I want doesn't come out till then. Okay. And on top of that, mate, I wanna make sure financially that with what I'm getting paid, whatever payments look like, what all this we just discussed looks like Budget wise. Budget wise that that's not gonna is it actually a good thing to do or is it not? Do you know what I mean? That's where I need to need your advice. And are we overshooting the mark here or no?","start_word":5752,"end_word":5966,"sentiment":"neutral","sentiment_score":-0.05085152758415355},{"text":"That's totally fine.","start_word":5967,"end_word":5969,"sentiment":"positive","sentiment_score":0.3709818720817566},{"text":"That's gonna work because of a, b, c, and d. Yeah. Yeah. Absolutely. And one Yep. of the things that I'm just careful with is there's a lot of bias in the industry, and Yes. I can talk to half the industry who say no better leases are the best thing, and the Yep. other half goes stay away from them in all cases. And there is Yes. a bit Look. of truth Yep. in the middle between them, and I wanna kinda get you both sides of the argument so you can make an informed decision. Yeah. 100%, mate. Yeah. And where I was in the job before, mate, on it, I was basically on the other side where I'm not wasn't even interested. We live twenty minutes away, and it just wasn't worth it. But now I'm an hour away. And Yeah. the cost of everything, mate, don't need to work here. You know? When we put in their own budget, obviously, insurances fuel, everything that comes with that servicing, all that, what it looks like compared apples for apples, you know, with before tax dollars too. Yeah. Absolutely. So Yep. I'll try and get you some information on that next week, hopefully. And, Right. again, if it's a quarter two thing, we'll we'll have it more of a catch when you come in as well. Yeah. Yeah. And one other one other quick thing I noticed on that, mate, your upfront costs are definitely better because your car is cheaper by about 10 to 13,000 Yeah. is is something to note that I've I've just picked up on straight away. Whether that how that looks over time, I don't know. But yeah. And it's one of those ones where I what savvy normally does in these cases is because they're all different agreements is Yes. we do a bit of a calculation, almost like Yep. a little bit of a paper based projection, if you will. And Yep. we'll just kinda see what that looks like, short term, long term, pros and cons, and give you some ideas. Okay. Okay.","start_word":5970,"end_word":6322,"sentiment":"neutral","sentiment_score":0.006020863562566426},{"text":"Great. Fantastic. Sounds good. Cool. Cool.","start_word":6323,"end_word":6328,"sentiment":"positive","sentiment_score":0.662834107875824},{"text":"Do you guys have any questions on the statement of advice that I've sent you for this morning just before I let you go? Not at all. No. No. That's good, mate. It's cleared up. Now I was reading it myself, and I was a little bit like, what's capital what's the capital gains? What's this? What's that? Yep. Now now you've explained it on good as gold.","start_word":6329,"end_word":6396,"sentiment":"neutral","sentiment_score":0.054599206894636154},{"text":"Thank you.","start_word":6397,"end_word":6398,"sentiment":"positive","sentiment_score":0.4105765223503113},{"text":"Yep. And there's one thing that just a bit of a, like, gentle reminder is because we use the fanciest platforms you can find, it makes things a little bit more complex because you've got more control over it. Yep. Any other traditional superfund, it that doesn't even enter the conversation because it's not even an option. No. That's the thing. And that's probably where we're learning as we go, mate, which I appreciate your patience with, mate, because obviously, being with Cbus before and Laura being with Hester, you got a Yeah. statement, and it said this year you got 8.3%. And you went, oh, that's good. I've earned 8.3%. And that's literally like you said, that's all we knew. We didn't even Yep. know I couldn't even tell you what my investments are in. I'm sure Laura couldn't. Whereas now we can physically see what's happening, which is great, but we're learning as we go. Yeah. Exactly right. And, look, to be honest, you Yep. guys are some of my favorite clients because you want to jump in and do different things, which makes it a bit more fun than just a traditional traditional strategy. But Yeah. if you ever have questions or concerns or anything like that, like, it does take years to get into it, and we'll just Yep. chip away at it. And before you know it, you'll be telling your kids one day all these things yourself, and Yeah.","start_word":6399,"end_word":6643,"sentiment":"neutral","sentiment_score":0.053338933948959624},{"text":"Well, that's sort they will of the be brand, much better mate.","start_word":6644,"end_word":6655,"sentiment":"positive","sentiment_score":0.4458172023296356},{"text":"off for Yeah. And I think that's what Laura and I are trying to do now even though Laura's not 40 yet. I am. We're only learning that now. So if we can, like you said, give them the heads up early and help them into the property market, which is sort of a goal of theirs, you know, Yeah. to make sure we can help them. We just we just don't know what it looks like otherwise if we don't get on in on top of it now. Yeah. And it's a good time to do it too given Okay. ages and so on. I Yes. think you guys are setting yourselves up Yep.","start_word":6656,"end_word":6770,"sentiment":"neutral","sentiment_score":0.16597074270248413},{"text":"very well for both you guys and the kids as well. They'll be very appreciative of it, I'm assuming. I'm hoping. But even not, they'll benefit from it. Right. Fantastic. Cool.","start_word":6771,"end_word":6801,"sentiment":"positive","sentiment_score":0.6050038933753967},{"text":"Are there any other updates you guys can think of? Any any changes on the way except for the the work and property side of things? I don't think so. The only other thing that's, like, did we we were talking about other things that he can do with work before. Oh, this works for Laura, this one.","start_word":6802,"end_word":6859,"sentiment":"neutral","sentiment_score":0.06982307881116867},{"text":"She likes this one. It should be good.","start_word":6860,"end_word":6867,"sentiment":"positive","sentiment_score":0.5167965292930603},{"text":"No. I don't know if it does. That's it. But he can do things like what's it called? So I can do a trade tax. I'd have to send it to you. My lawyer's got it in an email anyway, You're so send thinking it to her. salary So it's packaging? Uh-huh. no. It was it was with Qantas Club. So at work, we get a thing with Qantas Club, Yep. where we can pay pretax dollars to be part of the The Quantis Club. Quantis Club, basically. But, yeah, I I didn't quite understand it. So I'd like you if you have a look at it, whether it's a good option for Laura and I to actually something to consider because we do travel a bit back to Sydney here and there. We go overseas usually once a year. You know what I mean? That sort of thing. So we're trying to figure out better ways that we may be able to get some benefits out of that. Yeah.","start_word":6868,"end_word":7037,"sentiment":"neutral","sentiment_score":0.07587562150814954},{"text":"Cool. I mean, anything anywhere where you can use pretax dollars is a good setup because, Yes. obviously, using gross income before it gets taxed and then getting taxed on the rest is fantastic. It's like your super contributions, which is good.","start_word":7038,"end_word":7079,"sentiment":"positive","sentiment_score":0.6026700139045715},{"text":"Yep. And the question always becomes, because there's so many different things that you can do that for depending on the employer, are you actually gonna get the benefit out of it Yep. and actually Correct. use it? Correct. Because everyone looks for, like, tax deductions, but then Yep. you go, okay. Am I actually utilizing it, or am I just paying Correct. extra for something? That's right. And that's what I'm getting at with both the conversation we just had before about the car and this situation Yeah. too. It's like, are we gonna get the benefits out of that? What do you guys say? If I am, I'm all in. That's fine. I'm I'm happy with that. But if I'm not, well, what's the point? Yeah. Cool. I mean, flick through Yep. the the Qantas club stuff, Yeah. and I'll have a look Laura's at that. got And it then up. in the same email, I'll kind of respond to that in the novett at least. Yeah. Yep.","start_word":7080,"end_word":7249,"sentiment":"neutral","sentiment_score":0.06209699809551239},{"text":"Fantastic.","start_word":7250,"end_word":7250,"sentiment":"positive","sentiment_score":0.5017054080963135},{"text":"Like, yeah, she sent that through to you with the employee benefit. Yes. Because I may need a Laura for argument. So she would be one of the beneficiaries if I pay for that. She goes down to work two times a year. You know what I mean? Yeah. So Yep. she she might say to her company, no. Well, I've got this thing paid through them. Do you know what I'll know if we get it to I don't know. I don't know what the exact benefits of it are. Yep. But, yeah, Yep. there's a Cool. terms Yeah. and I'll conditions, just drop the and email. there's all sorts of things you can have a look through there, Tommy. So Laura has brought that up, so that should help you understand, you know, what what we can get out of Yeah. Absolutely. Again, with this sort of thing, it looks like it's a yearly payment. it. So, Yes. again, just factor in things like lump sums and not having those Yep. dollars for the year. Yes. Yep. Pretax.","start_word":7251,"end_word":7430,"sentiment":"neutral","sentiment_score":0.10051870490941736},{"text":"That's good.","start_word":7431,"end_word":7432,"sentiment":"positive","sentiment_score":0.5795552134513855},{"text":"Yep. Yep. Salary sacrifice, ma'am. Yeah. I'll have a little look and and let you guys know.","start_word":7433,"end_word":7449,"sentiment":"neutral","sentiment_score":0.3036392629146576},{"text":"That's pretty fun. Yep. Awesome. Awesome.","start_word":7450,"end_word":7455,"sentiment":"positive","sentiment_score":0.6054495573043823},{"text":"Anything else I can help you guys with? Okay. I think so. I don't think so. I don't think anything else at the end poll yet, but I'm sure I will. We need to make an appointment with with Grant too to sort out our next Yeah. What everything looks like. Loans. Yeah. Our loan and how he's gonna structure all that and whatever budget it. And that's gonna change a little bit. Something we didn't tell you actually I mean, is that we Yeah. actually Yeah. got a high interest account with Qudos, which this high interest account, if you leave it in anything over 500,000, it's 3.95% we earn per month on that money, but you can take that money, like, lump sums of that money at any time you want, and you don't lose it. Lose the interest on the amount left, if that makes sense. Yeah. Okay. So we're putting up some in that through until we're ready to cross over for the next property. Just thought, you know, if we earn $10 out of that in the three months, so it takes us I mean, it's better than not earning anything. Yeah?","start_word":7456,"end_word":7652,"sentiment":"neutral","sentiment_score":0.1258986849470187},{"text":"Yeah. Absolutely.","start_word":7653,"end_word":7654,"sentiment":"positive","sentiment_score":0.407109409570694},{"text":"Yeah. It's one of the things too. Anytime you earn, you get taxed, so that's because Yep.","start_word":7655,"end_word":7671,"sentiment":"neutral","sentiment_score":0.2912943661212921},{"text":"you've you've grown something, and that's always Yes. a positive.","start_word":7672,"end_word":7681,"sentiment":"positive","sentiment_score":0.5000187754631042},{"text":"Yep. Well, we actually put it in Laura's name too, mate, not in mine for tax purposes. Okay. Alright. That's interesting. I'll have a little look at the old KuDOS account too. Alright. Yep. So we've got the the Conners Club, the Nevada lease. You've got the funds going into the Qudos account just to get a bit of interest out of that. Yep. Yeah. Which that's already in, mate. That's done. We were finalized the other day. We'll Perfect. never see Perfect. that many dollars in our account ever again. We will if we do the right thing, but we'll just be a bit old enough. We'll be 16. Stop talking to Tommy in your. Remember what you said? That'll be my favorite thing is to set you up a nice little pension account and then send Yeah.","start_word":7682,"end_word":7820,"sentiment":"neutral","sentiment_score":0.13335393369197843},{"text":"That'll you be lovely. guys on your way.","start_word":7821,"end_word":7828,"sentiment":"positive","sentiment_score":0.4997573792934418},{"text":"And then our conversations will chat between not what to invest in. It'll be like, you guys are pulling too much money out because Yeah. you're having too much fun. You're allowed to have four holidays this year, not seven. And then you guys will have to plan those out, and then, you know, you pull out $30 for this, $40 for that, and it's it's all fun after Yeah. A 100%, mate. Well, the funny part of it, you'll have to tell her that she can't afford business everywhere. that. Unless maybe this Qantas Club Yeah. Yeah. Well, discounts that's on what the business I'm saying. club. You never know, do you? We'll have to see, but I'll have a look. For that catch up, guys, I have some leave kind of coming up in June, which is horrible timing, Mhmm.","start_word":7829,"end_word":7970,"sentiment":"neutral","sentiment_score":-0.022912906640222375},{"text":"That's especially good.","start_word":7971,"end_word":7973,"sentiment":"positive","sentiment_score":0.424890011548996},{"text":"in a financial year.","start_word":7974,"end_word":7977,"sentiment":"neutral","sentiment_score":0.3152114748954773},{"text":"I've got a third baby on the way.","start_word":7978,"end_word":7985,"sentiment":"positive","sentiment_score":0.3397662043571472},{"text":"I've got a daughter coming in June.","start_word":7986,"end_word":7992,"sentiment":"neutral","sentiment_score":0.24678529798984528},{"text":"Thanks. Congratulations. So I wanna make sure you guys are well well and truly sorted before then. That would be good.","start_word":7993,"end_word":8013,"sentiment":"positive","sentiment_score":0.614020049571991},{"text":"Do you wanna do a catch up in April? That way, I can do a plan for you guys in May, and then Yep.","start_word":8014,"end_word":8037,"sentiment":"neutral","sentiment_score":0.23754408955574036},{"text":"it's all good for when I go.","start_word":8038,"end_word":8044,"sentiment":"positive","sentiment_score":0.4501399993896485},{"text":"Yes.","start_word":8045,"end_word":8045,"sentiment":"neutral","sentiment_score":0.31022411584854126},{"text":"Thanks, Steve.","start_word":8046,"end_word":8047,"sentiment":"positive","sentiment_score":0.5087734460830688},{"text":"Would you like us to see Grant before that point, Tommy? So we've got figures and everything, like, sort of all ready to go to book basically lay out in front of you guys and go, this is where we are.","start_word":8048,"end_word":8088,"sentiment":"neutral","sentiment_score":0.27763792872428894},{"text":"That would be fantastic.","start_word":8089,"end_word":8092,"sentiment":"positive","sentiment_score":0.7225844860076904},{"text":"If Mhmm. you're gonna have Right. all that lined up Yep. beforehand, that gives Yep. us a bit more value out of that conversation. Yep. Up to date bank statement too, mate, with obviously that high interest account and things would be handy for you guys to see exactly where we're at. Yeah. Any type of statements, details, documents you can bring in for a face to face is always better. Okay. That way, Great. I don't have to kinda go, okay. Oh, we don't have this. We'll have to Yes. search for emails or come back to you later. Nah. Nah, mate. I'm pretty good with that sort of stuff. So I will make I will endeavor to have everything there, mate, including even just a copy of, you know, the thing, whatever. Whatever we're gonna discuss, whatever we discussed here today, I'll just have a copy of everything, hard copy, so it'll make it easier. Yep. And I'm just kind of tagging a few things for advice wise for that discussion to talk about contributions, investment, budgeting, debt, and so on. Right. Yep. I think budgeting and variable one for us to just just create a new place just to see what you your thoughts were on it, what what we sort of do and what you where you think maybe we could improve. I don't know if we can and Yeah. we can't, Absolutely. but yeah. I'd be to see kind of how you guys have been rolling on the last couple of years and what your your your style of budgeting is. And Yes. if I can see anything that can help, I'll let you know. Absolutely. Yeah.","start_word":8093,"end_word":8374,"sentiment":"neutral","sentiment_score":0.1171296689500834},{"text":"Okay. That sounds good. We'll bring all that in too. Too easy. Cool. Cool.","start_word":8375,"end_word":8388,"sentiment":"positive","sentiment_score":0.46949562430381775},{"text":"And I will just briefly, in the next catch up, just touch on the insurances just to make sure we don't have to jiggle Yep. anything around once it's all finalized. Yeah. Well, I think that'll help once we spoke to Grant because we're gonna know. We'll know where our insurances need to be. Yep. Yep.","start_word":8389,"end_word":8444,"sentiment":"neutral","sentiment_score":0.11880894750356674},{"text":"Easy done.","start_word":8445,"end_word":8446,"sentiment":"positive","sentiment_score":0.3656665682792664},{"text":"Do you guys want me to book in a day in April now while I've got you, Yes. or you want me Yeah. to get Absolutely. the team? Yep. Yep. Cool. Alright. So we've got a few weeks still left of the month. That should be plenty of time. For a face to face, what would be your preferred sort of days and times? Probably Friday, Yep. maybe the seventeenth or the twenty fifth twenty fourth. The twenty fourth for. It's fine to see me. Are we? No. No. We're not. Okay. Sorry. Forget, mate. Maybe the seventeenth. We'll be Cool. back in Yeah. or we'll be back. I'll try and do I think seventeenth would be good. That way, if there's any trouble, we can always Yes. reschedule it for a week ahead, Yep. and that still gives us a bit of a buffer for May to to get anything done as well. Yep. Right. Should we do morning, like, nine or ten in the morning? Or Let me do ten after school drop off. Yeah. Maybe ten. We can drop the girls to school and then We'll go have breakfast, and then we'll come and see.","start_word":8447,"end_word":8644,"sentiment":"neutral","sentiment_score":0.11949175430668724},{"text":"Perfect.","start_word":8645,"end_word":8645,"sentiment":"positive","sentiment_score":0.6401198506355286},{"text":"Bit of a morning date drop off and then into the finances People.","start_word":8646,"end_word":8658,"sentiment":"neutral","sentiment_score":0.20149686932563785},{"text":"Absolutely.","start_word":8659,"end_word":8659,"sentiment":"positive","sentiment_score":0.34095287322998047},{"text":"for Friday. Alright. So I'll do face to face catch up. We'll do 10AM The long time to think again? on Friday, April 17. Awesome. And I'll let Sevi know that you guys are popping in so you can say hello as well if he's in on the Friday, Right. Correct. see if the big man's there. Yep.","start_word":8660,"end_word":8717,"sentiment":"neutral","sentiment_score":0.2240347117185593},{"text":"And, yeah, look forward to catching up with you guys. Sounds good, Tommy. You take it Cool. easy, mate. You too.","start_word":8718,"end_word":8738,"sentiment":"positive","sentiment_score":0.6105055809020996},{"text":"And just keep an eye out for an email next week for those lease and Qantas questions. Correct.","start_word":8739,"end_word":8756,"sentiment":"neutral","sentiment_score":0.2813841998577118},{"text":"Yes. Fantastic. Will do. Thank you, mate. Awesome, guys. Have a great weekend. I'll talk to you soon. Thank you. Bye.","start_word":8757,"end_word":8777,"sentiment":"positive","sentiment_score":0.7032508850097656}],"average":{"sentiment":"neutral","sentiment_score":0.0801367417728127}}}}