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So do you wanna kinda push it back to after, like, in July then? Well, the only thing that we were gonna do before that is if we needed to do anything, like, end of financial year contributions before June '30. That was the only No. The the investment switches we did of of paying off dividends, and the supers bounced back really good the last two weeks. So I thank you. Thank you. No. It's not necessary to try and catch this financial year kind of thing because if everything's developing and settling next financial year, give yourself some breathing room to plan out the cash flow, the debt management side. And then if there's leftover that we wanna use, we've got a whole financial year to do it. Yeah. Cool. Yeah. Alright. Yeah. Yeah. You're right. Before it all starts cracking and creaking. Yeah. Yep. Yep. Exactly right. Like, there's a they're balancing on the fence at the moment because they're trying to push it. It's it's always the same story at the moment. The last ten years, it's inflation's pushing up, so we've got to do this, but then it's gonna cripple the economy. So they bounce left, right, left, right. I think they're just hoping something sorts itself out in the background because they they they snooker themselves is how I would describe it. Yeah. Yeah. Inside. Yeah. That's, I think, all they're they're hoping to do is they're saying, okay. Inflation's ticking up. We'll do another one or two, then the data will come in that everyone's getting crippled by it. So then we'll lower it a bit, and that just buys them time. That's all they're doing is just buying time. Yeah. Yeah. Fantastic. Yep. Yeah. Keep your stable base there so you're not affecting the lifestyle if something changes in politically or economically. And then if there's things you can do that are low risk, not low risk, but you know what I mean, just not gonna impact you. Yeah. Yeah. What you're trying to do is you're trying to pump up as much investment deductible debt as possible and minimize all the consumer debt. Because what most people fall into the trap of doing is upgrade home, upgrade home, and their PPR is their biggest debt, which is not deductible. And it's about balancing those loans so that it's all on the investments. You get the maximum deductions, and then the cash flow is helping to pay it off. And You do it with properties. You do it with shares. Mhmm. Absolutely. Yeah. And I think that's kind of gonna be a good three to five year idea where once you're all settled into it, let's just go every quarter, six months, twelve months, whatever it is, smash out this much, convert it, smash out this much, convert it, and then eventually, yeah, get it at a time. Yeah. Yeah. And it depends too on I guess the conversation will have to be how long that's gonna go for because if it's something where we're just trying to utilize it for one burst for one financial year, then we might treat it a bit differently than if we were trying to build up to that three to five year recycle. Yeah. Awesome. Yeah. Awesome. No. That's cool. I reckon once we get because I'm I'm about to click off in June for a bit of leave when the baby comes. So July, I'm back full force. Once we've got a bit more idea of what's going on, we'll have a bit of a sit down. Let's not do anything crazy with contributions this financial year. It was just to make sure that if you'd already settled into the property, there was heaps of cash there, and we had to try and minimize the taxes that we could jump onto it before we lost the opportunity. If we don't need to, we can put a pause on that and focus more on that debt management strategy. Yep. Yep. Yep. Yep. I'm with you. Just press you over now. It sounds bloody good. If you're if you can get the cash flow in the door when everything is going on the way it is, you're gonna be in a great position over the next couple of years to do all kinds of things. So really exciting. Yeah. Yeah. Yep. Absolutely. And look, there's no there's no missed opportunities. There's always something. Right? There's always another another global event that causes markets to go shaky, or there's a whole another sector that's always right for the pickings. You know, people freak out that they missed the the gains after the global financial crisis. And then it's like you should have seen the gains after COVID bounce back was even sharper every five to seven years or something. So and in between, there's opportunities as well. So we're not gonna miss anything. But, again, if we're if you're in a position where you've got the ammunition, we can make a good choice if there's something staring you right in the face to say, yep. This is the one to go for. The thing is, sir, I've been doing this for twelve years now, and I've looked back a hundred years worth of research, and the same panic sets in every single time. And the more I go through these events personally, the more nonchalant I get where it it should affect me more, but Yeah. I don't mind dollar cost averaging. Like, if you get it out in time and it starts sliding $5.10, $15.20 percent and you're just chopping in every fortnight every month to gradually buy in, the fluctuations are great, and 20% down the market's always a buying opportunity. But to do it all the cash all back in, I've seen it go wrong nine times out of 10. Yeah. And I'm not in the in the game of trying to day trade your super and time the market, mate. We're just trying to make sure that the options you're in over ten, twenty years are gonna have the best average. Yeah. Yeah. We're not trying to get rich in three years. We're trying to get to a retirement goal, which is a steady ship. The ship needs engine maintenance, and it needs a bit of a boost every now and then. Fair enough. That's good to hear. Oh, cool. Alright. Nah. I haven't got my jerry cans to go. I only filled up one for the mower. Yeah. Yeah. Well, most people. Yep. Yep. And the thing is when it comes to the investments, those EVs, you remember that funds that was up, like, a 107% for the year? Like, it's peaked. Take your 100% return. Most people are happy with the 10%. Take your 100% and move it to something else before the cycle switches and the sector goes down. You know? Don't don't don't get greedy looking for 200%. Yep. Exactly right. Got a nice gain out of it, and then it's time to switch out for a bit. Yeah. Absolutely. I'll keep an eye on it because we always have these chats with the investment committee and and the BlackRock guys as well, and they give us a bit of an idea about, you know, main things at the moment, currency risk, US dollar, Australian dollar, inflation, few things like that. Any big moves outside of that will be a signal to make some switches. Yeah. 100 percent. No. It was mainly about making sure that you basically set up for that income surge, the settling into the house, and then possibly contributions before end of financial year. So if all that played out by April, then, yeah, we should probably talk about it for a couple of months before June 30. But if it's still gonna play out for a couple more months yet, there's no rush. Yeah. Yeah. Mhmm. Yeah. Yeah. It really does. Like, if you're the redraw is really good for discipline. When you've got the offsets, especially with the the the income you're looking to earn, if you're saving up, like you said, for holidays, investing, bills, everything, having it all offset the mortgage in six different accounts is gonna way outweigh the extra slight interest rate you get for the package. Yep. Yeah. Yeah. A 100 percent. That's the thing is most people that don't have the discipline, they can't save up for the holiday because they're too busy splurging on the coffee and the grog and the beers and the Skittles. If you're actually a person who can actually build up that $30 to go to Europe, then perfect. Offset it and let your your quarterly electricity bill go in there and and let everything go in there. I even did it with my my bloody hex debt. I owe the government $8,000. I just let it offset the mortgage for the whole year, and then I paid it too. Bugger. Yeah. Yep. Yeah. And it depends because my situation was, do I let it chop out of my income on a weekly basis and bleed it off to the government, or do I just pay them lump sum after twelve months? So just see what happens with your tax return as well. Yep. Absolutely. Yeah. It's just about making sure that when you're in that high tax environment that we start making smart moves with it so that you come out the other end with something. Yes. Yep. And then it's just a matter of every quarter, you see how your your cash flow and budgeting is working with all those offsets, and we'll have that three months, twelve months, five year goal. We'll just keep checking in on with each other and see how you go because there'll be adjustments you need to make, but main direction is the main thing. If you if you get there 95%, you're still winning. Yeah. Love it. Third. Third. Two boys are now in the water on the line. Yeah. Look. I was kind of twisted into it, but I don't think I'll regret it at the end of the day when I'm 65 and every all the families are sitting around the table. I'll look back and smile. Yep. That's exactly right, mate. No. Awesome. Excited for you. Yep. And I'll give you a bit of an idea of what to prepare for that, see what sort of change and update it with you guys. I'll give you a buzz and just see some updates beforehand. I will pretty much send you, like, a text and email when I'm back in the office after paternity leave, just so you know. Thanks very much, Blake, mate. You guys enjoy your school holidays, See you later. 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Blake. Tommy here from. How are you doing? The perfect time of year too. Yeah.\n\nNo. That's fair. Okay. Alright. Oh, wow.\n\nYeah. Okay. Yep. Yep. Yeah.\n\nYeah. So do you wanna kinda push it back to after, like, in July then? Well, the only thing that we were gonna do before that is if we needed to do anything, like, end of financial year contributions before June '30. That was the only No. The the investment switches we did of of paying off dividends, and the supers bounced back really good the last two weeks.\n\nSo I thank you. Thank you. No. It's not necessary to try and catch this financial year kind of thing because if everything's developing and settling next financial year, give yourself some breathing room to plan out the cash flow, the debt management side. And then if there's leftover that we wanna use, we've got a whole financial year to do it.\n\nYeah. Cool. Yeah. Alright. Yeah.\n\nYeah. You're right. Before it all starts cracking and creaking. Yeah. Yep.\n\nYep. Exactly right. Like, there's a they're balancing on the fence at the moment because they're trying to push it. It's it's always the same story at the moment. The last ten years, it's inflation's pushing up, so we've got to do this, but then it's gonna cripple the economy.\n\nSo they bounce left, right, left, right. I think they're just hoping something sorts itself out in the background because they they they snooker themselves is how I would describe it. Yeah. Yeah. Inside.\n\nYeah. That's, I think, all they're they're hoping to do is they're saying, okay. Inflation's ticking up. We'll do another one or two, then the data will come in that everyone's getting crippled by it. So then we'll lower it a bit, and that just buys them time.\n\nThat's all they're doing is just buying time. Yeah. Yeah. Fantastic. Yep.\n\nYeah. Keep your stable base there so you're not affecting the lifestyle if something changes in politically or economically. And then if there's things you can do that are low risk, not low risk, but you know what I mean, just not gonna impact you. Yeah. Yeah.\n\nWhat you're trying to do is you're trying to pump up as much investment deductible debt as possible and minimize all the consumer debt. Because what most people fall into the trap of doing is upgrade home, upgrade home, and their PPR is their biggest debt, which is not deductible. And it's about balancing those loans so that it's all on the investments. You get the maximum deductions, and then the cash flow is helping to pay it off. And You do it with properties.\n\nYou do it with shares. Mhmm. Absolutely. Yeah. And I think that's kind of gonna be a good three to five year idea where once you're all settled into it, let's just go every quarter, six months, twelve months, whatever it is, smash out this much, convert it, smash out this much, convert it, and then eventually, yeah, get it at a time.\n\nYeah. Yeah. And it depends too on I guess the conversation will have to be how long that's gonna go for because if it's something where we're just trying to utilize it for one burst for one financial year, then we might treat it a bit differently than if we were trying to build up to that three to five year recycle. Yeah. Awesome.\n\nYeah. Awesome. No. That's cool. I reckon once we get because I'm I'm about to click off in June for a bit of leave when the baby comes.\n\nSo July, I'm back full force. Once we've got a bit more idea of what's going on, we'll have a bit of a sit down. Let's not do anything crazy with contributions this financial year. It was just to make sure that if you'd already settled into the property, there was heaps of cash there, and we had to try and minimize the taxes that we could jump onto it before we lost the opportunity. If we don't need to, we can put a pause on that and focus more on that debt management strategy.\n\nYep. Yep. Yep. Yep. I'm with you.\n\nJust press you over now. It sounds bloody good. If you're if you can get the cash flow in the door when everything is going on the way it is, you're gonna be in a great position over the next couple of years to do all kinds of things. So really exciting. Yeah.\n\nYeah. Yep. Absolutely. And look, there's no there's no missed opportunities. There's always something.\n\nRight? There's always another another global event that causes markets to go shaky, or there's a whole another sector that's always right for the pickings. You know, people freak out that they missed the the gains after the global financial crisis. And then it's like you should have seen the gains after COVID bounce back was even sharper every five to seven years or something. So and in between, there's opportunities as well.\n\nSo we're not gonna miss anything. But, again, if we're if you're in a position where you've got the ammunition, we can make a good choice if there's something staring you right in the face to say, yep. This is the one to go for. The thing is, sir, I've been doing this for twelve years now, and I've looked back a hundred years worth of research, and the same panic sets in every single time. And the more I go through these events personally, the more nonchalant I get where it it should affect me more, but Yeah.\n\nI don't mind dollar cost averaging. Like, if you get it out in time and it starts sliding $5.10, $15.20 percent and you're just chopping in every fortnight every month to gradually buy in, the fluctuations are great, and 20% down the market's always a buying opportunity. But to do it all the cash all back in, I've seen it go wrong nine times out of 10. Yeah. And I'm not in the in the game of trying to day trade your super and time the market, mate.\n\nWe're just trying to make sure that the options you're in over ten, twenty years are gonna have the best average. Yeah. Yeah. We're not trying to get rich in three years. We're trying to get to a retirement goal, which is a steady ship.\n\nThe ship needs engine maintenance, and it needs a bit of a boost every now and then. Fair enough. That's good to hear. Oh, cool. Alright.\n\nNah. I haven't got my jerry cans to go. I only filled up one for the mower. Yeah. Yeah.\n\nWell, most people. Yep. Yep. And the thing is when it comes to the investments, those EVs, you remember that funds that was up, like, a 107% for the year? Like, it's peaked.\n\nTake your 100% return. Most people are happy with the 10%. Take your 100% and move it to something else before the cycle switches and the sector goes down. You know? Don't don't don't get greedy looking for 200%.\n\nYep. Exactly right. Got a nice gain out of it, and then it's time to switch out for a bit. Yeah. Absolutely.\n\nI'll keep an eye on it because we always have these chats with the investment committee and and the BlackRock guys as well, and they give us a bit of an idea about, you know, main things at the moment, currency risk, US dollar, Australian dollar, inflation, few things like that. Any big moves outside of that will be a signal to make some switches. Yeah. 100 percent. No.\n\nIt was mainly about making sure that you basically set up for that income surge, the settling into the house, and then possibly contributions before end of financial year. So if all that played out by April, then, yeah, we should probably talk about it for a couple of months before June 30. But if it's still gonna play out for a couple more months yet, there's no rush. Yeah. Yeah.\n\nMhmm. Yeah. Yeah. It really does. Like, if you're the redraw is really good for discipline.\n\nWhen you've got the offsets, especially with the the the income you're looking to earn, if you're saving up, like you said, for holidays, investing, bills, everything, having it all offset the mortgage in six different accounts is gonna way outweigh the extra slight interest rate you get for the package. Yep. Yeah. Yeah. A 100 percent.\n\nThat's the thing is most people that don't have the discipline, they can't save up for the holiday because they're too busy splurging on the coffee and the grog and the beers and the Skittles. If you're actually a person who can actually build up that $30 to go to Europe, then perfect. Offset it and let your your quarterly electricity bill go in there and and let everything go in there. I even did it with my my bloody hex debt. I owe the government $8,000.\n\nI just let it offset the mortgage for the whole year, and then I paid it too. Bugger. Yeah. Yep. Yeah.\n\nAnd it depends because my situation was, do I let it chop out of my income on a weekly basis and bleed it off to the government, or do I just pay them lump sum after twelve months? So just see what happens with your tax return as well. Yep. Absolutely. Yeah.\n\nIt's just about making sure that when you're in that high tax environment that we start making smart moves with it so that you come out the other end with something. Yes. Yep. And then it's just a matter of every quarter, you see how your your cash flow and budgeting is working with all those offsets, and we'll have that three months, twelve months, five year goal. We'll just keep checking in on with each other and see how you go because there'll be adjustments you need to make, but main direction is the main thing.\n\nIf you if you get there 95%, you're still winning. Yeah. Love it. Third. Third.\n\nTwo boys are now in the water on the line. Yeah. Look. I was kind of twisted into it, but I don't think I'll regret it at the end of the day when I'm 65 and every all the families are sitting around the table. I'll look back and smile.\n\nYep. That's exactly right, mate. No. Awesome. Excited for you.\n\nYep. And I'll give you a bit of an idea of what to prepare for that, see what sort of change and update it with you guys. I'll give you a buzz and just see some updates beforehand. I will pretty much send you, like, a text and email when I'm back in the office after paternity leave, just so you know. Thanks very much, Blake, mate.\n\nYou guys enjoy your school holidays, See you later. Bye.","paragraphs":[{"sentences":[{"text":"Morning, Blake.","start":2.24,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16283834725618362},{"text":"Tommy here from.","start":2.8799999,"end":3.78,"sentiment":"neutral","sentiment_score":0.21394692858060202},{"text":"How are you doing?","start":3.84,"end":4.74,"sentiment":"neutral","sentiment_score":0.2559206560254097},{"text":"The perfect time of year too.","start":14.495001,"end":16.115,"sentiment":"neutral","sentiment_score":0.06979672114054362},{"text":"Yeah.","start":23.135,"end":23.455,"sentiment":"neutral","sentiment_score":-0.00834495946764946}],"sentiment":"neutral","sentiment_score":0.15010221698321402,"num_words":16,"start":2.24,"end":23.455},{"sentences":[{"text":"No.","start":23.455,"end":23.615,"sentiment":"neutral","sentiment_score":-0.07984078675508499},{"text":"That's fair.","start":23.615,"end":24.435001,"sentiment":"neutral","sentiment_score":-0.03428561054170132},{"text":"Okay.","start":33.47,"end":33.97,"sentiment":"neutral","sentiment_score":0.1025092601776123},{"text":"Alright.","start":34.19,"end":34.69,"sentiment":"neutral","sentiment_score":0.11047077178955078},{"text":"Oh, wow.","start":38.714996,"end":39.454998,"sentiment":"neutral","sentiment_score":0.041861873120069504}],"sentiment":"neutral","sentiment_score":0.02118453862411635,"num_words":7,"start":23.455,"end":39.454998},{"sentences":[{"text":"Yeah.","start":45.434998,"end":45.934998,"sentiment":"neutral","sentiment_score":-0.01715121418237686},{"text":"Okay.","start":48.635,"end":49.135,"sentiment":"neutral","sentiment_score":0.015524651855230331},{"text":"Yep.","start":62.875,"end":63.114998,"sentiment":"neutral","sentiment_score":0.07024126499891281},{"text":"Yep.","start":63.114998,"end":63.614998,"sentiment":"neutral","sentiment_score":0.1259532868862152},{"text":"Yeah.","start":77.369995,"end":77.53,"sentiment":"neutral","sentiment_score":0.04707281291484833}],"sentiment":"neutral","sentiment_score":0.048328160494565967,"num_words":5,"start":45.434998,"end":77.53},{"sentences":[{"text":"Yeah.","start":77.53,"end":77.77,"sentiment":"neutral","sentiment_score":0.03290470317006111},{"text":"So do you wanna kinda push it back to after, like, in July then?","start":77.77,"end":82.27,"sentiment":"neutral","sentiment_score":0.012528517948729652},{"text":"Well, the only thing that we were gonna do before that is if we needed to do anything, like, end of financial year contributions before June '30.","start":91.384995,"end":98.905,"sentiment":"neutral","sentiment_score":-0.07647980722012343},{"text":"That was the only No.","start":98.905,"end":112.955,"sentiment":"neutral","sentiment_score":-0.07765202075242997},{"text":"The the investment switches we did of of paying off dividends, and the supers bounced back really good the last two weeks.","start":112.955,"end":119.115,"sentiment":"neutral","sentiment_score":0.16208432174541734}],"sentiment":"neutral","sentiment_score":0.019144117886173553,"num_words":69,"start":77.53,"end":119.115},{"sentences":[{"text":"So I thank you.","start":119.115,"end":123.275,"sentiment":"positive","sentiment_score":0.5789049193263054},{"text":"Thank you.","start":123.275,"end":124.095,"sentiment":"positive","sentiment_score":0.5319744348526001},{"text":"No.","start":124.65,"end":124.97,"sentiment":"neutral","sentiment_score":-0.00838983803987503},{"text":"It's not necessary to try and catch this financial year kind of thing because if everything's developing and settling next financial year, give yourself some breathing room to plan out the cash flow, the debt management side.","start":124.97,"end":137.85501,"sentiment":"neutral","sentiment_score":-0.04134824801538441},{"text":"And then if there's leftover that we wanna use, we've got a whole financial year to do it.","start":137.85501,"end":142.515,"sentiment":"neutral","sentiment_score":0.12526747149725756}],"sentiment":"neutral","sentiment_score":0.06606625837664451,"num_words":62,"start":119.115,"end":142.515},{"sentences":[{"text":"Yeah.","start":151.07,"end":151.31001,"sentiment":"neutral","sentiment_score":0.1886393129825592},{"text":"Cool.","start":151.31001,"end":151.81001,"sentiment":"neutral","sentiment_score":0.3273248076438904},{"text":"Yeah.","start":158.43001,"end":158.93001,"sentiment":"neutral","sentiment_score":0.07734179496765137},{"text":"Alright.","start":159.15001,"end":159.65001,"sentiment":"neutral","sentiment_score":0.05705946311354637},{"text":"Yeah.","start":181.98001,"end":182.48001,"sentiment":"neutral","sentiment_score":-0.04652664437890053}],"sentiment":"neutral","sentiment_score":0.12076774686574936,"num_words":5,"start":151.07,"end":182.48001},{"sentences":[{"text":"Yeah.","start":196.57,"end":196.89,"sentiment":"neutral","sentiment_score":-0.10106396675109865},{"text":"You're right.","start":196.89,"end":197.45,"sentiment":"neutral","sentiment_score":-0.0957568883895874},{"text":"Before it all starts cracking and creaking.","start":197.45,"end":199.79001,"sentiment":"negative","sentiment_score":-0.36084669828414917},{"text":"Yeah.","start":199.85,"end":200.35,"sentiment":"neutral","sentiment_score":-0.10642857104539873},{"text":"Yep.","start":207.69,"end":208.19,"sentiment":"neutral","sentiment_score":-0.09850265085697174}],"sentiment":"neutral","sentiment_score":-0.2519529877851407,"num_words":12,"start":196.57,"end":208.19},{"sentences":[{"text":"Yep.","start":209.225,"end":209.545,"sentiment":"neutral","sentiment_score":-0.0035213283263146877},{"text":"Exactly right.","start":209.545,"end":210.345,"sentiment":"neutral","sentiment_score":0.08219245821237564},{"text":"Like, there's a they're balancing on the fence at the moment because they're trying to push it.","start":210.345,"end":215.30501,"sentiment":"neutral","sentiment_score":-0.12693080678582191},{"text":"It's it's always the same story at the moment.","start":215.30501,"end":217.38501,"sentiment":"neutral","sentiment_score":-0.1748991393380695},{"text":"The last ten years, it's inflation's pushing up, so we've got to do this, but then it's gonna cripple the economy.","start":217.38501,"end":222.585,"sentiment":"neutral","sentiment_score":-0.18136499289955413}],"sentiment":"neutral","sentiment_score":-0.14759434464387597,"num_words":50,"start":209.225,"end":222.585},{"sentences":[{"text":"So they bounce left, right, left, right.","start":222.585,"end":224.19,"sentiment":"neutral","sentiment_score":-0.1294171309896878},{"text":"I think they're just hoping something sorts itself out in the background because they they they snooker themselves is how I would describe it.","start":224.27,"end":231.01001,"sentiment":"neutral","sentiment_score":-0.17621277792689702},{"text":"Yeah.","start":235.23,"end":235.73,"sentiment":"neutral","sentiment_score":-0.23513799905776975},{"text":"Yeah.","start":244.845,"end":245.345,"sentiment":"neutral","sentiment_score":-0.30496513843536377},{"text":"Inside.","start":248.125,"end":248.625,"sentiment":"neutral","sentiment_score":-0.27892881631851196}],"sentiment":"neutral","sentiment_score":-0.17511936885249965,"num_words":34,"start":222.585,"end":248.625},{"sentences":[{"text":"Yeah.","start":256.36,"end":256.86,"sentiment":"negative","sentiment_score":-0.445730060338974},{"text":"That's, I think, all they're they're hoping to do is they're saying, okay.","start":268.45502,"end":272.61502,"sentiment":"neutral","sentiment_score":-0.22621501294466165},{"text":"Inflation's ticking up.","start":272.61502,"end":274.05,"sentiment":"negative","sentiment_score":-0.5272703170776367},{"text":"We'll do another one or two, then the data will come in that everyone's getting crippled by it.","start":274.12997,"end":278.61,"sentiment":"neutral","sentiment_score":-0.3328661397099495},{"text":"So then we'll lower it a bit, and that just buys them time.","start":278.61,"end":281.72998,"sentiment":"neutral","sentiment_score":-0.10171888997921577}],"sentiment":"neutral","sentiment_score":-0.25588067217419547,"num_words":48,"start":256.36,"end":281.72998},{"sentences":[{"text":"That's all they're doing is just buying time.","start":281.72998,"end":283.66998,"sentiment":"neutral","sentiment_score":-0.002100399404298514},{"text":"Yeah.","start":289.905,"end":290.405,"sentiment":"neutral","sentiment_score":-0.021193943917751312},{"text":"Yeah.","start":300.0,"end":300.47998,"sentiment":"positive","sentiment_score":0.3445568382740021},{"text":"Fantastic.","start":300.47998,"end":300.97998,"sentiment":"positive","sentiment_score":0.6209183931350708},{"text":"Yep.","start":318.655,"end":319.155,"sentiment":"neutral","sentiment_score":-0.2283962219953537}],"sentiment":"neutral","sentiment_score":0.05825682252179831,"num_words":12,"start":281.72998,"end":319.155},{"sentences":[{"text":"Yeah.","start":332.50998,"end":333.00998,"sentiment":"neutral","sentiment_score":0.1847979724407196},{"text":"Keep your stable base there so you're not affecting the lifestyle if something changes in politically or economically.","start":333.38998,"end":340.10498,"sentiment":"neutral","sentiment_score":0.12083735648128721},{"text":"And then if there's things you can do that are low risk, not low risk, but you know what I mean, just not gonna impact you.","start":340.485,"end":348.10498,"sentiment":"neutral","sentiment_score":0.0612305232252066},{"text":"Yeah.","start":358.26,"end":358.58002,"sentiment":"neutral","sentiment_score":0.062468402087688446},{"text":"Yeah.","start":358.58002,"end":359.08002,"sentiment":"neutral","sentiment_score":-0.009831396862864494}],"sentiment":"neutral","sentiment_score":0.08520214889753372,"num_words":47,"start":332.50998,"end":359.08002},{"sentences":[{"text":"What you're trying to do is you're trying to pump up as much investment deductible debt as possible and minimize all the consumer debt.","start":385.65,"end":394.225,"sentiment":"neutral","sentiment_score":0.08519074662278096},{"text":"Because what most people fall into the trap of doing is upgrade home, upgrade home, and their PPR is their biggest debt, which is not deductible.","start":394.225,"end":402.085,"sentiment":"neutral","sentiment_score":-0.19556983302419},{"text":"And it's about balancing those loans so that it's all on the investments.","start":402.45,"end":406.07,"sentiment":"neutral","sentiment_score":-0.1429746741285691},{"text":"You get the maximum deductions, and then the cash flow is helping to pay it off.","start":406.45,"end":410.31,"sentiment":"neutral","sentiment_score":0.1716893194243312},{"text":"And You do it with properties.","start":410.37003,"end":412.21002,"sentiment":"neutral","sentiment_score":0.07005121434728305}],"sentiment":"neutral","sentiment_score":-0.02037143654683057,"num_words":85,"start":385.65,"end":412.21002},{"sentences":[{"text":"You do it with shares.","start":412.21002,"end":413.43002,"sentiment":"neutral","sentiment_score":0.047371044754981995},{"text":"Mhmm.","start":414.465,"end":414.54498,"sentiment":"neutral","sentiment_score":0.05063926056027413},{"text":"Absolutely.","start":414.54498,"end":415.04498,"sentiment":"neutral","sentiment_score":0.206332266330719},{"text":"Yeah.","start":424.145,"end":424.465,"sentiment":"neutral","sentiment_score":0.14939340949058533},{"text":"And I think that's kind of gonna be a good three to five year idea where once you're all settled into it, let's just go every quarter, six months, twelve months, whatever it is, smash out this much, convert it, smash out this much, convert it, and then eventually, yeah, get it at a time.","start":424.465,"end":443.79498,"sentiment":"neutral","sentiment_score":0.1863255279985341}],"sentiment":"neutral","sentiment_score":0.1728749873027915,"num_words":63,"start":412.21002,"end":443.79498},{"sentences":[{"text":"Yeah.","start":459.71,"end":460.21,"sentiment":"positive","sentiment_score":0.42431503534317017},{"text":"Yeah.","start":479.82,"end":480.32,"sentiment":"neutral","sentiment_score":0.029987964779138565},{"text":"And it depends too on I guess the conversation will have to be how long that's gonna go for because if it's something where we're just trying to utilize it for one burst for one financial year, then we might treat it a bit differently than if we were trying to build up to that three to five year recycle.","start":488.06,"end":502.97498,"sentiment":"neutral","sentiment_score":0.030996456649154423},{"text":"Yeah.","start":507.82,"end":508.32,"sentiment":"neutral","sentiment_score":0.027752570807933807},{"text":"Awesome.","start":510.78,"end":511.28,"sentiment":"positive","sentiment_score":0.5179488658905029}],"sentiment":"neutral","sentiment_score":0.04468424743390642,"num_words":64,"start":459.71,"end":511.28},{"sentences":[{"text":"Yeah.","start":517.27496,"end":517.675,"sentiment":"neutral","sentiment_score":0.1333741396665573},{"text":"Awesome.","start":517.675,"end":518.175,"sentiment":"neutral","sentiment_score":0.25843536853790283},{"text":"No.","start":518.635,"end":518.875,"sentiment":"neutral","sentiment_score":0.06614743918180466},{"text":"That's cool.","start":518.875,"end":519.435,"sentiment":"neutral","sentiment_score":0.22488026320934296},{"text":"I reckon once we get because I'm I'm about to click off in June for a bit of leave when the baby comes.","start":519.435,"end":526.495,"sentiment":"neutral","sentiment_score":0.1026156071735465}],"sentiment":"neutral","sentiment_score":0.11670987281416144,"num_words":28,"start":517.27496,"end":526.495},{"sentences":[{"text":"So July, I'm back full force.","start":526.795,"end":530.4,"sentiment":"neutral","sentiment_score":0.26982635259628296},{"text":"Once we've got a bit more idea of what's going on, we'll have a bit of a sit down.","start":531.18,"end":534.7,"sentiment":"neutral","sentiment_score":0.08318773108093362},{"text":"Let's not do anything crazy with contributions this financial year.","start":534.7,"end":537.58,"sentiment":"neutral","sentiment_score":-0.08423285558819771},{"text":"It was just to make sure that if you'd already settled into the property, there was heaps of cash there, and we had to try and minimize the taxes that we could jump onto it before we lost the opportunity.","start":537.58,"end":547.135,"sentiment":"neutral","sentiment_score":-0.07892819475382566},{"text":"If we don't need to, we can put a pause on that and focus more on that debt management strategy.","start":547.515,"end":552.015,"sentiment":"neutral","sentiment_score":-0.10406972952187062}],"sentiment":"neutral","sentiment_score":-0.030329746635336625,"num_words":95,"start":526.795,"end":552.015},{"sentences":[{"text":"Yep.","start":564.17,"end":564.49,"sentiment":"neutral","sentiment_score":0.1938032507896423},{"text":"Yep.","start":564.49,"end":564.99,"sentiment":"neutral","sentiment_score":0.1468602865934372},{"text":"Yep.","start":590.76,"end":591.0,"sentiment":"neutral","sentiment_score":0.026108618825674057},{"text":"Yep.","start":591.0,"end":591.5,"sentiment":"neutral","sentiment_score":0.010285601019859314},{"text":"I'm with you.","start":591.56,"end":592.36,"sentiment":"neutral","sentiment_score":-0.02207089588046074}],"sentiment":"neutral","sentiment_score":0.044406438512461524,"num_words":7,"start":564.17,"end":592.36},{"sentences":[{"text":"Just press you over now.","start":592.36,"end":593.82,"sentiment":"neutral","sentiment_score":-0.21426359713077545},{"text":"It sounds bloody good.","start":618.57,"end":619.61,"sentiment":"positive","sentiment_score":0.4393364265561104},{"text":"If you're if you can get the cash flow in the door when everything is going on the way it is, you're gonna be in a great position over the next couple of years to do all kinds of things.","start":619.61,"end":628.645,"sentiment":"positive","sentiment_score":0.5965143084526062},{"text":"So really exciting.","start":628.705,"end":630.005,"sentiment":"positive","sentiment_score":0.6099176208178202},{"text":"Yeah.","start":635.36005,"end":635.86005,"sentiment":"neutral","sentiment_score":-0.04863226041197777}],"sentiment":"positive","sentiment_score":0.49674944642860935,"num_words":53,"start":592.36,"end":635.86005},{"sentences":[{"text":"Yeah.","start":648.975,"end":649.295,"sentiment":"neutral","sentiment_score":0.3280516564846039},{"text":"Yep.","start":649.295,"end":649.795,"sentiment":"positive","sentiment_score":0.426531195640564},{"text":"Absolutely.","start":650.01495,"end":650.51495,"sentiment":"positive","sentiment_score":0.49749115109443665},{"text":"And look, there's no there's no missed opportunities.","start":650.65497,"end":654.355,"sentiment":"neutral","sentiment_score":0.06887718720827252},{"text":"There's always something.","start":654.65497,"end":655.615,"sentiment":"neutral","sentiment_score":0.01926349305237333}],"sentiment":"neutral","sentiment_score":0.13292014143163605,"num_words":14,"start":648.975,"end":655.615},{"sentences":[{"text":"Right?","start":655.615,"end":656.115,"sentiment":"neutral","sentiment_score":-0.0038634538650512695},{"text":"There's always another another global event that causes markets to go shaky, or there's a whole another sector that's always right for the pickings.","start":656.255,"end":663.41,"sentiment":"neutral","sentiment_score":-0.15449610451469198},{"text":"You know, people freak out that they missed the the gains after the global financial crisis.","start":665.39,"end":670.76996,"sentiment":"neutral","sentiment_score":-0.2125164712779224},{"text":"And then it's like you should have seen the gains after COVID bounce back was even sharper every five to seven years or something.","start":670.99,"end":678.66504,"sentiment":"neutral","sentiment_score":0.09458788856863976},{"text":"So and in between, there's opportunities as well.","start":678.885,"end":681.205,"sentiment":"neutral","sentiment_score":0.17430545948445797}],"sentiment":"neutral","sentiment_score":-0.047225760289608204,"num_words":73,"start":655.615,"end":681.205},{"sentences":[{"text":"So we're not gonna miss anything.","start":681.205,"end":682.745,"sentiment":"neutral","sentiment_score":0.09289610882600148},{"text":"But, again, if we're if you're in a position where you've got the ammunition, we can make a good choice if there's something staring you right in the face to say, yep.","start":682.965,"end":691.11,"sentiment":"neutral","sentiment_score":0.0555535977036925},{"text":"This is the one to go for.","start":691.11,"end":692.56995,"sentiment":"neutral","sentiment_score":0.16638034475701197},{"text":"The thing is, sir, I've been doing this for twelve years now, and I've looked back a hundred years worth of research, and the same panic sets in every single time.","start":720.2,"end":729.89996,"sentiment":"neutral","sentiment_score":-0.12352541593774673},{"text":"And the more I go through these events personally, the more nonchalant I get where it it should affect me more, but Yeah.","start":730.005,"end":751.64,"sentiment":"neutral","sentiment_score":-0.0278167687356472}],"sentiment":"neutral","sentiment_score":-0.00979110487087658,"num_words":99,"start":681.205,"end":751.64},{"sentences":[{"text":"I don't mind dollar cost averaging.","start":752.9,"end":755.88,"sentiment":"neutral","sentiment_score":-0.06908956170082092},{"text":"Like, if you get it out in time and it starts sliding $5.10, $15.20 percent and you're just chopping in every fortnight every month to gradually buy in, the fluctuations are great, and 20% down the market's always a buying opportunity.","start":756.505,"end":770.445,"sentiment":"neutral","sentiment_score":-0.04055302676449462},{"text":"But to do it all the cash all back in, I've seen it go wrong nine times out of 10.","start":772.56,"end":778.66003,"sentiment":"negative","sentiment_score":-0.37461745329201224},{"text":"Yeah.","start":786.335,"end":786.575,"sentiment":"neutral","sentiment_score":-0.020467273890972137},{"text":"And I'm not in the in the game of trying to day trade your super and time the market, mate.","start":786.575,"end":790.97504,"sentiment":"neutral","sentiment_score":-0.23097557835280896}],"sentiment":"neutral","sentiment_score":-0.1614720383447341,"num_words":88,"start":752.9,"end":790.97504},{"sentences":[{"text":"We're just trying to make sure that the options you're in over ten, twenty years are gonna have the best average.","start":790.97504,"end":796.195,"sentiment":"neutral","sentiment_score":-0.17940143921545573},{"text":"Yeah.","start":804.67,"end":805.17,"sentiment":"neutral","sentiment_score":0.0142639372497797},{"text":"Yeah.","start":805.79,"end":805.94995,"sentiment":"neutral","sentiment_score":-0.009177453815937042},{"text":"We're not trying to get rich in three years.","start":805.94995,"end":807.87,"sentiment":"neutral","sentiment_score":-0.2948577271567451},{"text":"We're trying to get to a retirement goal, which is a steady ship.","start":807.87,"end":810.945,"sentiment":"neutral","sentiment_score":-0.05077980630672895}],"sentiment":"neutral","sentiment_score":-0.15724890592197577,"num_words":45,"start":790.97504,"end":810.945},{"sentences":[{"text":"The ship needs engine maintenance, and it needs a bit of a boost every now and then.","start":811.185,"end":814.805,"sentiment":"neutral","sentiment_score":0.05941534677849097},{"text":"Fair enough.","start":823.34503,"end":824.085,"sentiment":"neutral","sentiment_score":0.16838642954826355},{"text":"That's good to hear.","start":824.22504,"end":825.28503,"sentiment":"neutral","sentiment_score":0.24834590777754784},{"text":"Oh, cool.","start":827.56,"end":828.3,"sentiment":"neutral","sentiment_score":0.18619132041931152},{"text":"Alright.","start":828.36,"end":828.86,"sentiment":"neutral","sentiment_score":0.12625914812088013}],"sentiment":"neutral","sentiment_score":0.10918689132309876,"num_words":26,"start":811.185,"end":828.86},{"sentences":[{"text":"Nah.","start":831.56,"end":832.04,"sentiment":"neutral","sentiment_score":-0.02812550961971283},{"text":"I haven't got my jerry cans to go.","start":832.04,"end":834.12,"sentiment":"neutral","sentiment_score":-0.14323927462100983},{"text":"I only filled up one for the mower.","start":834.12,"end":836.06,"sentiment":"neutral","sentiment_score":-0.10870002675801516},{"text":"Yeah.","start":842.935,"end":843.435,"sentiment":"neutral","sentiment_score":-0.09471645951271056},{"text":"Yeah.","start":843.495,"end":843.995,"sentiment":"neutral","sentiment_score":-0.10711848735809326}],"sentiment":"neutral","sentiment_score":-0.1181828877643535,"num_words":19,"start":831.56,"end":843.995},{"sentences":[{"text":"Well, most people.","start":844.375,"end":845.515,"sentiment":"neutral","sentiment_score":-0.23041406273841858},{"text":"Yep.","start":852.23,"end":852.63,"sentiment":"neutral","sentiment_score":-0.04580230638384819},{"text":"Yep.","start":852.63,"end":852.95,"sentiment":"neutral","sentiment_score":-0.019180946052074432},{"text":"And the thing is when it comes to the investments, those EVs, you remember that funds that was up, like, a 107% for the year?","start":852.95,"end":860.41003,"sentiment":"neutral","sentiment_score":0.0020204371586441993},{"text":"Like, it's peaked.","start":860.55,"end":862.25,"sentiment":"neutral","sentiment_score":0.00010894095369925101}],"sentiment":"neutral","sentiment_score":-0.021375384509817442,"num_words":33,"start":844.375,"end":862.25},{"sentences":[{"text":"Take your 100% return.","start":862.41504,"end":864.11505,"sentiment":"neutral","sentiment_score":0.09123708214610815},{"text":"Most people are happy with the 10%.","start":864.255,"end":865.775,"sentiment":"neutral","sentiment_score":0.1551425563437598},{"text":"Take your 100% and move it to something else before the cycle switches and the sector goes down.","start":865.775,"end":871.215,"sentiment":"neutral","sentiment_score":0.007620861960781945},{"text":"You know?","start":871.215,"end":871.61505,"sentiment":"neutral","sentiment_score":-0.029799243435263634},{"text":"Don't don't don't get greedy looking for 200%.","start":871.61505,"end":874.11505,"sentiment":"neutral","sentiment_score":-0.11096712155267596}],"sentiment":"neutral","sentiment_score":0.016430417410074137,"num_words":39,"start":862.41504,"end":874.11505},{"sentences":[{"text":"Yep.","start":879.14996,"end":879.55,"sentiment":"neutral","sentiment_score":0.0668327659368515},{"text":"Exactly right.","start":879.55,"end":880.26996,"sentiment":"neutral","sentiment_score":0.15969419479370117},{"text":"Got a nice gain out of it, and then it's time to switch out for a bit.","start":880.26996,"end":883.49,"sentiment":"neutral","sentiment_score":0.09486044768024893},{"text":"Yeah.","start":895.245,"end":895.745,"sentiment":"neutral","sentiment_score":0.1486494243144989},{"text":"Absolutely.","start":896.365,"end":896.865,"sentiment":"positive","sentiment_score":0.4563841819763184}],"sentiment":"neutral","sentiment_score":0.11835828965360468,"num_words":22,"start":879.14996,"end":896.865},{"sentences":[{"text":"I'll keep an eye on it because we always have these chats with the investment committee and and the BlackRock guys as well, and they give us a bit of an idea about, you know, main things at the moment, currency risk, US dollar, Australian dollar, inflation, few things like that.","start":897.485,"end":911.64,"sentiment":"neutral","sentiment_score":0.18957814479283258},{"text":"Any big moves outside of that will be a signal to make some switches.","start":912.9,"end":916.84,"sentiment":"neutral","sentiment_score":-0.008059426077774592},{"text":"Yeah.","start":928.475,"end":928.955,"sentiment":"neutral","sentiment_score":0.2084612548351288},{"text":"100 percent.","start":928.955,"end":929.77496,"sentiment":"positive","sentiment_score":0.3341563194990158},{"text":"No.","start":938.21,"end":938.45,"sentiment":"neutral","sentiment_score":-0.07979631423950195}],"sentiment":"neutral","sentiment_score":0.1500381304194098,"num_words":69,"start":897.485,"end":938.45},{"sentences":[{"text":"It was mainly about making sure that you basically set up for that income surge, the settling into the house, and then possibly contributions before end of financial year.","start":938.45,"end":949.22504,"sentiment":"neutral","sentiment_score":0.06524647579624734},{"text":"So if all that played out by April, then, yeah, we should probably talk about it for a couple of months before June 30.","start":949.22504,"end":954.98505,"sentiment":"neutral","sentiment_score":-0.003101275535300374},{"text":"But if it's still gonna play out for a couple more months yet, there's no rush.","start":954.98505,"end":958.60504,"sentiment":"neutral","sentiment_score":-0.1704063166398555},{"text":"Yeah.","start":977.59503,"end":978.09503,"sentiment":"neutral","sentiment_score":-0.007685909047722816},{"text":"Yeah.","start":990.89,"end":991.39,"sentiment":"neutral","sentiment_score":-0.010112343356013298}],"sentiment":"neutral","sentiment_score":-0.013050452583062817,"num_words":71,"start":938.45,"end":991.39},{"sentences":[{"text":"Mhmm.","start":992.09,"end":992.59,"sentiment":"neutral","sentiment_score":-0.008805308490991592},{"text":"Yeah.","start":1015.16,"end":1015.66,"sentiment":"neutral","sentiment_score":0.030364468693733215},{"text":"Yeah.","start":1025.575,"end":1025.975,"sentiment":"neutral","sentiment_score":0.2630791664123535},{"text":"It really does.","start":1025.975,"end":1026.935,"sentiment":"positive","sentiment_score":0.40239888429641724},{"text":"Like, if you're the redraw is really good for discipline.","start":1026.935,"end":1030.395,"sentiment":"positive","sentiment_score":0.4390299737453461}],"sentiment":"positive","sentiment_score":0.36763341980986297,"num_words":16,"start":992.09,"end":1030.395},{"sentences":[{"text":"When you've got the offsets, especially with the the the income you're looking to earn, if you're saving up, like you said, for holidays, investing, bills, everything, having it all offset the mortgage in six different accounts is gonna way outweigh the extra slight interest rate you get for the package.","start":1031.0299,"end":1048.6951,"sentiment":"neutral","sentiment_score":0.16146547822099105},{"text":"Yep.","start":1052.595,"end":1053.095,"sentiment":"neutral","sentiment_score":-0.015490810386836529},{"text":"Yeah.","start":1067.7301,"end":1068.2101,"sentiment":"neutral","sentiment_score":0.04292144626379013},{"text":"Yeah.","start":1068.2101,"end":1068.7101,"sentiment":"neutral","sentiment_score":0.03872974216938019},{"text":"A 100 percent.","start":1069.5851,"end":1070.5651,"sentiment":"neutral","sentiment_score":0.0062890006229281425}],"sentiment":"neutral","sentiment_score":0.14596082051202916,"num_words":57,"start":1031.0299,"end":1070.5651},{"sentences":[{"text":"That's the thing is most people that don't have the discipline, they can't save up for the holiday because they're too busy splurging on the coffee and the grog and the beers and the Skittles.","start":1092.48,"end":1101.855,"sentiment":"neutral","sentiment_score":-0.33145439603499005},{"text":"If you're actually a person who can actually build up that $30 to go to Europe, then perfect.","start":1102.715,"end":1107.695,"sentiment":"neutral","sentiment_score":0.1379524887435966},{"text":"Offset it and let your your quarterly electricity bill go in there and and let everything go in there.","start":1107.755,"end":1113.78,"sentiment":"neutral","sentiment_score":0.052623329978240166},{"text":"I even did it with my my bloody hex debt.","start":1113.78,"end":1116.44,"sentiment":"neutral","sentiment_score":-0.003508351743221283},{"text":"I owe the government $8,000.","start":1117.62,"end":1119.14,"sentiment":"neutral","sentiment_score":-0.042951907962560654}],"sentiment":"neutral","sentiment_score":-0.09618113622411914,"num_words":87,"start":1092.48,"end":1119.14},{"sentences":[{"text":"I just let it offset the mortgage for the whole year, and then I paid it too.","start":1119.14,"end":1122.225,"sentiment":"neutral","sentiment_score":-0.04238368198275566},{"text":"Bugger.","start":1124.065,"end":1124.565,"sentiment":"neutral","sentiment_score":-0.17958545684814453},{"text":"Yeah.","start":1136.4,"end":1136.8,"sentiment":"neutral","sentiment_score":-0.0021893344819545746},{"text":"Yep.","start":1136.8,"end":1137.3,"sentiment":"neutral","sentiment_score":0.006568692624568939},{"text":"Yeah.","start":1141.36,"end":1141.76,"sentiment":"neutral","sentiment_score":-0.05333678424358368}],"sentiment":"neutral","sentiment_score":-0.04519359412647429,"num_words":21,"start":1119.14,"end":1141.76},{"sentences":[{"text":"And it depends because my situation was, do I let it chop out of my income on a weekly basis and bleed it off to the government, or do I just pay them lump sum after twelve months?","start":1141.76,"end":1150.815,"sentiment":"neutral","sentiment_score":-0.2238576435729077},{"text":"So just see what happens with your tax return as well.","start":1150.815,"end":1153.5549,"sentiment":"neutral","sentiment_score":-0.026377479969100517},{"text":"Yep.","start":1161.71,"end":1162.21,"sentiment":"neutral","sentiment_score":0.14211946725845337},{"text":"Absolutely.","start":1162.43,"end":1162.93,"sentiment":"neutral","sentiment_score":0.26816433668136597},{"text":"Yeah.","start":1173.5651,"end":1174.045,"sentiment":"neutral","sentiment_score":0.1468493938446045}],"sentiment":"neutral","sentiment_score":-0.15845402957011873,"num_words":52,"start":1141.76,"end":1174.045},{"sentences":[{"text":"It's just about making sure that when you're in that high tax environment that we start making smart moves with it so that you come out the other end with something.","start":1174.045,"end":1181.905,"sentiment":"neutral","sentiment_score":0.13930268741903767},{"text":"Yes.","start":1205.115,"end":1205.615,"sentiment":"neutral","sentiment_score":0.12973487377166748},{"text":"Yep.","start":1210.7301,"end":1210.9701,"sentiment":"neutral","sentiment_score":0.1670798659324646},{"text":"And then it's just a matter of every quarter, you see how your your cash flow and budgeting is working with all those offsets, and we'll have that three months, twelve months, five year goal.","start":1210.9701,"end":1221.4701,"sentiment":"neutral","sentiment_score":0.20758486475263324},{"text":"We'll just keep checking in on with each other and see how you go because there'll be adjustments you need to make, but main direction is the main thing.","start":1221.725,"end":1230.4451,"sentiment":"neutral","sentiment_score":0.24115118641277838}],"sentiment":"neutral","sentiment_score":0.1945778631134746,"num_words":97,"start":1174.045,"end":1230.4451},{"sentences":[{"text":"If you if you get there 95%, you're still winning.","start":1230.4451,"end":1233.66,"sentiment":"positive","sentiment_score":0.48170254826545716},{"text":"Yeah.","start":1252.2351,"end":1252.7351,"sentiment":"neutral","sentiment_score":0.02159372717142105},{"text":"Love it.","start":1270.1849,"end":1277.725,"sentiment":"neutral","sentiment_score":0.29844142496585846},{"text":"Third.","start":1277.7849,"end":1278.2849,"sentiment":"neutral","sentiment_score":0.07593950629234314},{"text":"Third.","start":1279.3049,"end":1279.7849,"sentiment":"neutral","sentiment_score":0.07446052879095078}],"sentiment":"positive","sentiment_score":0.37239347298940023,"num_words":15,"start":1230.4451,"end":1279.7849},{"sentences":[{"text":"Two boys are now in the water on the line.","start":1279.7849,"end":1281.72,"sentiment":"neutral","sentiment_score":0.1593763206154108},{"text":"Yeah.","start":1282.2,"end":1282.6799,"sentiment":"neutral","sentiment_score":0.10018867999315262},{"text":"Look.","start":1282.6799,"end":1283.0,"sentiment":"neutral","sentiment_score":0.12318753451108932},{"text":"I was kind of twisted into it, but I don't think I'll regret it at the end of the day when I'm 65 and every all the families are sitting around the table.","start":1283.0,"end":1290.76,"sentiment":"neutral","sentiment_score":0.12109611516423298},{"text":"I'll look back and smile.","start":1290.76,"end":1292.0599,"sentiment":"neutral","sentiment_score":0.25234073102474214}],"sentiment":"neutral","sentiment_score":0.14150029752403498,"num_words":50,"start":1279.7849,"end":1292.0599},{"sentences":[{"text":"Yep.","start":1299.335,"end":1299.835,"sentiment":"neutral","sentiment_score":-0.12274175882339478},{"text":"That's exactly right, mate.","start":1302.455,"end":1303.895,"sentiment":"neutral","sentiment_score":0.21526526287198067},{"text":"No.","start":1303.895,"end":1304.295,"sentiment":"neutral","sentiment_score":0.093124620616436},{"text":"Awesome.","start":1304.295,"end":1304.795,"sentiment":"neutral","sentiment_score":0.2771258056163788},{"text":"Excited for you.","start":1305.015,"end":1306.155,"sentiment":"positive","sentiment_score":0.3824321726957957}],"sentiment":"neutral","sentiment_score":0.225586623698473,"num_words":10,"start":1299.335,"end":1306.155},{"sentences":[{"text":"Yep.","start":1318.915,"end":1319.235,"sentiment":"neutral","sentiment_score":0.12643931806087494},{"text":"And I'll give you a bit of an idea of what to prepare for that, see what sort of change and update it with you guys.","start":1319.235,"end":1324.355,"sentiment":"neutral","sentiment_score":0.13487469906417224},{"text":"I'll give you a buzz and just see some updates beforehand.","start":1324.355,"end":1327.015,"sentiment":"neutral","sentiment_score":0.2507507110183889},{"text":"I will pretty much send you, like, a text and email when I'm back in the office after paternity leave, just so you know.","start":1328.1951,"end":1335.1399,"sentiment":"positive","sentiment_score":0.4230368733406067},{"text":"Thanks very much, Blake, mate.","start":1341.927,"end":1343.047,"sentiment":"positive","sentiment_score":0.8719011902809143}],"sentiment":"neutral","sentiment_score":0.3119974660673248,"num_words":67,"start":1318.915,"end":1343.047},{"sentences":[{"text":"You guys enjoy your school holidays, See you later.","start":1343.047,"end":1349.047,"sentiment":"positive","sentiment_score":0.7297660973336961},{"text":"Bye.","start":1349.047,"end":1349.547,"sentiment":"positive","sentiment_score":0.33907389640808105}],"sentiment":"positive","sentiment_score":0.6906968772411346,"num_words":10,"start":1343.047,"end":1349.547}]}}]},{"alternatives":[{"transcript":"Hello. Blake speaking. Good, mate. Mate, I am so sorry. We have we've obviously booked this, mate, not thinking about school holidays for a start. Didn't even factor it in, mate. We've got two kids at home. We can't come in with the girls and chat. You know what I mean? And the other thing is, mate, we've had a couple of developments in our property, mate. So we've actually extended our lease at our current rental, mate, till the June and got confirmation with the builder that we could settle on June 30. Yeah. Because, mate, we're just getting buggerized around too much. You know what I mean? So we needed a firm date to make sure we had somewhere to live. Yeah. So that sort of changed a little bit, mate. We we have spoken to Grant. He has come over, mate. Grant's given us a few different options in mortgage. You know what I mean? How we can sort of structure that, mate. Mate, that probably looks numbers wise, mate, to be around 1.1 now because we're gonna keep some money aside, mate. We'll chat to you about what we're gonna do when we come and see you anyway, mate. Well, no. No. No. No. I'm thinking that we oh, okay. So you're thinking after we have the mortgage done and everything, you don't need us to see us before that for anything? Yeah. And I might I I I just don't think, mate, in the current climate, you know, with everything going on that I wanna put another 30 odd grand in that at the moment unless you guys really think that it's gonna make a huge difference. Yep. I know, mate. I've seen it. I've seen what you've done, and I'm very impressed. So yes. Very impressed. Yeah. Absolutely, mate. Yep. Yep. Yes. Yeah. And, mate, I'll be up front with you, mate. We I went and put some I just put a thousand dollars, mate, on a new Volkswagen truck recently just because, mate, it's a it's a walk inshore one, mate, so it's basically a limited edition model. So it's only a thousand dollars, mate, at the moment. We haven't committed to it either way, but I wanted to that won't be ready till, like, September. So I wanted to run the numbers with you guys. Do we just pay for this thing? Is it out of our reach? Do we do it through a lease? You know, what how's this gonna look, obviously, with what you just spoke about, cash flow wise? Because, obviously, we're gonna have I don't know, mate. My my I don't know what your thoughts are about this interest rate thing, mate, but it it's sort of gonna be a bit of a funny one to me because they can only go so hard. Before they're gonna cripple the the Australian economy anyway, mate. Banks aren't gonna wanna want that to happen because if everyone starts to go on mortgages, well, where did that leave them? That's right. Yeah. Yeah. Yep. They have. Yeah. Oh, I I agree with you, mate. They've gone too hard with everything. They they they've let everything else come up, and they haven't factored in. And, mate, I mean, you know what I do for a living, I have to tell you. Look at it. Look at what's going on there. Kinda ridiculous. Like, we we don't even have to be in this position if we don't do what we've done years ago, and we just keep letting everything go. And now we're all paying for it. So it's just madness. Like so my my yeah. My sort of thing is, mate, I don't reckon they can go more than a couple more because I know that they're gonna they're gonna push people over the edge. Yep. Yep. Yeah. That that's my way of thinking too, mate. I mean, it's not gonna cripple Laura and I. We're in a in a different position. And, obviously, with the wage I'm on, mate, I've just gone senior operator, so I've gone to $2.40 a year now. So I've kicked that up to there now, and that's plus over time, mate. They've got this shutdown coming at some stage, mate, so we'll be making a bit of money out of that and whatever. So I suppose I just what I really wanna do is sit down and not here. How do we keep our lifestyle where we've got it without putting ourselves under financial stress? Do you know what I mean? By doing anything else that may be too much for us. Do you know what I mean? So having a good honest chat about it and going, right, how do we do all of this? Yeah. Yep. That's alright. Yes. Yeah. I do, mate. Oh, look, mate. And yeah. And I've been doing a bit of research on YouTube, mate, just looking about that debt recycling that we discussed just to understand it. And I'm I'm sort of got getting my head around it, mate, now that, you know, it's basically from what I watched, and I just looked at it in the housing scenario. You know, you got 200 k yourself. You got a house that's worth 800 k. You take your 200 k out. You use that to buy the next house, and then you recycle when you when you recycle that, then you can recycle that back from the other property Because it's a tax break on the first one, isn't it? Yes. Yep. Yep. No. Yes. Yeah. That's that's what we need to try and look at doing, don't we? To try and get our debt down on on our actual property in Paradise Point because that's the goal. Yes. Yep. Yep. Oh, mate. That sounds great to me. Yeah. Yep. And convert and keep converting it around, mate, on top of what we're putting in on top. Do you know what I mean? And you I suppose that's the conversation too when we see you is, how do I use my overtime money wisely? Because we don't need that money as such. We can live comfortably what we already got. So how do we use that wisely? I understand that I might put some money away for, like, a holiday or you know what I mean? Go off. Got that. I'll put a bit away in holiday account or whatever, but still a a port a good portion of that's always gonna go against the mortgage. But is that the best spot to be putting it, or do we use it somewhere else? Do you know what I mean? Or is that we use that money for your investment sort of things like you know, like, I'm trying to figure out how you guys think we can best use that. Yep. Yep. Yep. Yep. Well, I see, mate, it's always gonna be there. There's always gonna be a need for it. That the refineries, and it is never ever not gonna be a time where there isn't any. Do you know what I mean? Yeah. Yes. That's right. Yep. Okay. Yep. Yep. No. Yep. Yes. Yeah. Perfect, mate. Because we will look, mate, on and to be up front we did too, mate, we ended up with about 960 odd thousand in the end in our own hands. And then, mate, I've already Laura and I have already put another thirteen or fourteen thousand away plus the amount of money that we have earning interest, which is about $3 for the first month on that money. So we're getting a high interest account at the moment and just using that up until we get to the property. So I'm hoping to have maybe 50 or $60 of our own money, if that makes sense. But we can't actually do the loan. Yeah. Yeah. I'm just I'm hoping to try and get it to that mill, mate, so that just just gives Laura and I a bit of a buffer so we can get in the house, do the things that we need to do, like window coverings and all that. Plus, if I do the shutdown, mate, that's gonna be another big cash flow. So I can bank away some money there. You know what I mean? And try and get some capital already, if that makes sense, even in a time when it's like this. Yep. Well, that's what I'm trying to do, man. I'm trying to work really hard now and get as much out of it as I can while we're in a in a position where we are because there's gonna be and, mate, I know nothing about markets like you guys, but all I know is one thing is if you combine the low, mate, and then watch the high come up, you're gonna get you're gonna do well. Yeah. Yep. Yeah. Correct. That's right. Yep. Yeah. No. Yep. Well, that that's what I'm that's what I'm sort of thinking, mate, and that's where you guys come into play. And that's why you haven't heard from me, mate, when all this has gone on because I've heard guys that manage their own super at work and that, mate, they're right into their financials, and they're the ones that are panicking more than anyone going, oh, you need to put it all in cash. I'm not well, to me, no. It's like you're gonna miss that opportunity on the other side. Like, if Warren Buffett says it, mate, and he's not worried at the moment, why is anyone else? Yeah. Yeah. And I've done the same thing as you, Tommy. I've looked into it properly and looked at the years years before, and every time this happens, the bounce back's huge. And if you don't and you have to be very good, mate, and wanna pull your cash out and get it in at the right time. Yeah. Have a look. Yep. Yep. Yep. Yep. Yeah. And that's the problem, mate. Yeah. That I oh, man. And that's why you haven't heard from Laura and I, mate. I've just been happy to let it sit. No. Yep. That's right. 100%, mate. And that's exactly what yeah. Exactly right, mate. And that's where I'm at with that, mate. If we wanna do that, we'll go to a different level if we wanna play that game. Yeah. No. Correct. Absolutely. Yep. A 100%, mate. Definitely. Definitely. And and one last thing, mate, before I go, don't stress about fuel, mate. There's plenty. Yeah. It's just a demand thing, mate, not a supply thing at this point. Alright? So don't don't yeah. It's all good, mate. The ships are booked and yeah. And don't don't go buying EVs, mate, because that'll probably that'll probably bomb out at some stage too. So I don't I don't know where that's gonna land, mate, but everyone's panicking and buying them now, and then they're all gonna come under the next thing where it starts costing them money. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. Thank god. No, mate. And that's what we're in for a while with the lithium, weren't we? And then we we got we got it out. Yep. Yeah. Exactly. 100%, mate. No. Totally agree, mate. And if there's anything in the future, mate, like that, which was I mean, we signed over to you guys anyway, feel free. Do you think, nah. We're peaking. We've hit the hit the trophy. We need to go to something else. Let's do it. Yeah. Yep. Great. Yeah. Yep. Yep. Okay. Yep. Sweet. Mate, that last I suppose the last thing so you don't really need to see us. We just do our home line. Do what we're gonna do anyway with Grant, get it done, and then we just come see you as because it really doesn't change anything. You guys really aren't gonna say to us, I suppose, at the end of the day, oh, well, no. You can't do that. I mean, that you're not gonna say you know what I mean? Like, we've got the home. Yep. Yep. Yep. Yep. Yeah. Nah. Well, it is, mate. Like, we're still and and that's the thing, mate. I don't we we might have that cash flow there to top it up. Like you said, but at the end of the day, mate, I've got the income spike. I've got a bloody shutdown coming, like you know what I mean? I just wanna get the home loan preapproved probably shortly, I guess, and just get that so we know it's there. Now the other the other thing is Grant's obviously gone into with us, mate, is obviously, we're in a redraw before, which is a lower interest rate going into offset, mate, but he's talking about, you know, depending on who we go with. We can have multiple offsets, which means, you know, Laura and I do multiple accounts. So we have a savings account. We have a a which we're gonna get. So we won't have the savings. So we have a holiday account. We have birthday accounts. We have Christmas accounts. Do you know what I mean? We have all these different accounts. So he's saying to us, well, let's go with a multiple offset option of, like, eight offsets or 10 offsets where you can still have all those accounts for your bills and that, but it's all offsetting against the line. Yep. Yep. Yep. Yep. Okay, mate. That's fine. That's all I needed to hear, mate, because it's it's very hard to get your head around when I see numbers. I'm a bit of a numbers guy. So when I say, oh, but I've gotta pay that. But if I was and I am pretty disciplined, mate. But, I mean, if you need $10 tomorrow and you gotta pull it out of the redraw, you're gonna do it. Do you know what I mean? Whereas with the offset, at least that's all been offsetting until I've needed to get do you know what I mean? Everything else is still offsetting. I'm not touching all of that money, if that makes sense. And that's what I mean. That's what I'm getting at with when you say be disciplined. Like, at least if you got those other accounts there, they're still offsetting because you haven't touched the holiday account or whatever for that $10. I might have pulled it out of the offset. Do you know what I mean? And that's it. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Well, you know what? And we gotta talk about that with Laura, mate, next. We'll get through this financial year, but we really need to talk about that with her. I think she owes, like, $6. So I think we need to wipe that debt. And maybe we offset it for a year, like you said, then pay it. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Well, I've gotta I've gotta have some money to solve for that, mate, because with the man, I would assume whatever they're gonna come after me. So yep. Which we it's look. It's that's fine, Tommy. Like, you know, like we just said last time, mate, if they come in if you're paying tax, mate, you're making money. If you're getting it back, you weren't really making that much, were you? So yep. Yes. Yes. And that's that's where I need you guys, I suppose, now more than ever is to start to make that seem more streamlined. So, mate, once we get set up with these like, you've just given me the advice with the offsets, so that's good, mate. We know that we wanna have multiple offsets. Once we get all those accounts sorted, mate, I'll literally bring in a printout of our bank statement. Do you know what I mean? And go, these are the numbers. That's all that's sitting there, mate. Tell me how to make that work more efficiently if you can. Yes. Yep. Yes. Great. Yeah. Oh, 100%, mate. I get that. Yep. Yeah. Oh, 100%, mate. And like you said, it's a lot it's all a long term thing, Tommy, all this. You know, I'm not I'm not looking to get rich tomorrow, mate. You know? And yeah, I say that, mate, but in a lot of ways, I already am, mate. I've got two beautiful kids with a happy and healthy mate or wife and and getting a brand new home, so I can't winch, mate. So at all, in the current environment, you know, some poor buggers, I feel very sorry for them. But, yeah, it's about doing what you can with what you get, you know, what you're able to achieve with it, I suppose, mate. And that's all. I just wanna maximize what we do for our kids, mate, moving forward. Laura and I will be fine. We're already fine. Yep. So that's that's sort of where we're at, mate. But you go and enjoy having your third child or second child? Third, mate. You're a braver man than me. A 100 percent, mate. Yeah. Yeah. I mean, they put in they put in a expensive red wine, mate, in the carafe, and you're sitting there thinking, yeah. This is what I mean. You little buggers keep feeding me. Yeah. Alright, dude. Alright, mate. So do you just wanna touch base with us? Do you just wanna touch base with us in July, like, a week week before you wanna see us? So then that way, at least, I can go to Laura. Right? We're gonna come. We gotta go in a week. Right. Fantastic, mate. Yeah. Yeah. Nice. Absolutely, mate. And I hope everything goes really well there, mate. And everyone's happy and healthy and all the rest of it, mate. All the best with that. Will do, buddy. Take it easy, mate. Thanks, Tommy. See you, mate. 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Blake speaking. Good, mate. Mate, I am so sorry. We have we've obviously booked this, mate, not thinking about school holidays for a start.\n\nDidn't even factor it in, mate. We've got two kids at home. We can't come in with the girls and chat. You know what I mean? And the other thing is, mate, we've had a couple of developments in our property, mate.\n\nSo we've actually extended our lease at our current rental, mate, till the June and got confirmation with the builder that we could settle on June 30. Yeah. Because, mate, we're just getting buggerized around too much. You know what I mean? So we needed a firm date to make sure we had somewhere to live.\n\nYeah. So that sort of changed a little bit, mate. We we have spoken to Grant. He has come over, mate. Grant's given us a few different options in mortgage.\n\nYou know what I mean? How we can sort of structure that, mate. Mate, that probably looks numbers wise, mate, to be around 1.1 now because we're gonna keep some money aside, mate. We'll chat to you about what we're gonna do when we come and see you anyway, mate. Well, no.\n\nNo. No. No. I'm thinking that we oh, okay. So you're thinking after we have the mortgage done and everything, you don't need us to see us before that for anything?\n\nYeah. And I might I I I just don't think, mate, in the current climate, you know, with everything going on that I wanna put another 30 odd grand in that at the moment unless you guys really think that it's gonna make a huge difference. Yep. I know, mate. I've seen it.\n\nI've seen what you've done, and I'm very impressed. So yes. Very impressed. Yeah. Absolutely, mate.\n\nYep. Yep. Yes. Yeah. And, mate, I'll be up front with you, mate.\n\nWe I went and put some I just put a thousand dollars, mate, on a new Volkswagen truck recently just because, mate, it's a it's a walk inshore one, mate, so it's basically a limited edition model. So it's only a thousand dollars, mate, at the moment. We haven't committed to it either way, but I wanted to that won't be ready till, like, September. So I wanted to run the numbers with you guys. Do we just pay for this thing?\n\nIs it out of our reach? Do we do it through a lease? You know, what how's this gonna look, obviously, with what you just spoke about, cash flow wise? Because, obviously, we're gonna have I don't know, mate. My my I don't know what your thoughts are about this interest rate thing, mate, but it it's sort of gonna be a bit of a funny one to me because they can only go so hard.\n\nBefore they're gonna cripple the the Australian economy anyway, mate. Banks aren't gonna wanna want that to happen because if everyone starts to go on mortgages, well, where did that leave them? That's right. Yeah. Yeah.\n\nYep. They have. Yeah. Oh, I I agree with you, mate. They've gone too hard with everything.\n\nThey they they've let everything else come up, and they haven't factored in. And, mate, I mean, you know what I do for a living, I have to tell you. Look at it. Look at what's going on there. Kinda ridiculous.\n\nLike, we we don't even have to be in this position if we don't do what we've done years ago, and we just keep letting everything go. And now we're all paying for it. So it's just madness. Like so my my yeah. My sort of thing is, mate, I don't reckon they can go more than a couple more because I know that they're gonna they're gonna push people over the edge.\n\nYep. Yep. Yeah. That that's my way of thinking too, mate. I mean, it's not gonna cripple Laura and I.\n\nWe're in a in a different position. And, obviously, with the wage I'm on, mate, I've just gone senior operator, so I've gone to $2.40 a year now. So I've kicked that up to there now, and that's plus over time, mate. They've got this shutdown coming at some stage, mate, so we'll be making a bit of money out of that and whatever. So I suppose I just what I really wanna do is sit down and not here.\n\nHow do we keep our lifestyle where we've got it without putting ourselves under financial stress? Do you know what I mean? By doing anything else that may be too much for us. Do you know what I mean? So having a good honest chat about it and going, right, how do we do all of this?\n\nYeah. Yep. That's alright. Yes. Yeah.\n\nI do, mate. Oh, look, mate. And yeah. And I've been doing a bit of research on YouTube, mate, just looking about that debt recycling that we discussed just to understand it. And I'm I'm sort of got getting my head around it, mate, now that, you know, it's basically from what I watched, and I just looked at it in the housing scenario.\n\nYou know, you got 200 k yourself. You got a house that's worth 800 k. You take your 200 k out. You use that to buy the next house, and then you recycle when you when you recycle that, then you can recycle that back from the other property Because it's a tax break on the first one, isn't it? Yes.\n\nYep. Yep. No. Yes. Yeah.\n\nThat's that's what we need to try and look at doing, don't we? To try and get our debt down on on our actual property in Paradise Point because that's the goal. Yes. Yep. Yep.\n\nOh, mate. That sounds great to me. Yeah. Yep. And convert and keep converting it around, mate, on top of what we're putting in on top.\n\nDo you know what I mean? And you I suppose that's the conversation too when we see you is, how do I use my overtime money wisely? Because we don't need that money as such. We can live comfortably what we already got. So how do we use that wisely?\n\nI understand that I might put some money away for, like, a holiday or you know what I mean? Go off. Got that. I'll put a bit away in holiday account or whatever, but still a a port a good portion of that's always gonna go against the mortgage. But is that the best spot to be putting it, or do we use it somewhere else?\n\nDo you know what I mean? Or is that we use that money for your investment sort of things like you know, like, I'm trying to figure out how you guys think we can best use that. Yep. Yep. Yep.\n\nYep. Well, I see, mate, it's always gonna be there. There's always gonna be a need for it. That the refineries, and it is never ever not gonna be a time where there isn't any. Do you know what I mean?\n\nYeah. Yes. That's right. Yep. Okay.\n\nYep. Yep. No. Yep. Yes.\n\nYeah. Perfect, mate. Because we will look, mate, on and to be up front we did too, mate, we ended up with about 960 odd thousand in the end in our own hands. And then, mate, I've already Laura and I have already put another thirteen or fourteen thousand away plus the amount of money that we have earning interest, which is about $3 for the first month on that money. So we're getting a high interest account at the moment and just using that up until we get to the property.\n\nSo I'm hoping to have maybe 50 or $60 of our own money, if that makes sense. But we can't actually do the loan. Yeah. Yeah. I'm just I'm hoping to try and get it to that mill, mate, so that just just gives Laura and I a bit of a buffer so we can get in the house, do the things that we need to do, like window coverings and all that.\n\nPlus, if I do the shutdown, mate, that's gonna be another big cash flow. So I can bank away some money there. You know what I mean? And try and get some capital already, if that makes sense, even in a time when it's like this. Yep.\n\nWell, that's what I'm trying to do, man. I'm trying to work really hard now and get as much out of it as I can while we're in a in a position where we are because there's gonna be and, mate, I know nothing about markets like you guys, but all I know is one thing is if you combine the low, mate, and then watch the high come up, you're gonna get you're gonna do well. Yeah. Yep. Yeah.\n\nCorrect. That's right. Yep. Yeah. No.\n\nYep. Well, that that's what I'm that's what I'm sort of thinking, mate, and that's where you guys come into play. And that's why you haven't heard from me, mate, when all this has gone on because I've heard guys that manage their own super at work and that, mate, they're right into their financials, and they're the ones that are panicking more than anyone going, oh, you need to put it all in cash. I'm not well, to me, no. It's like you're gonna miss that opportunity on the other side.\n\nLike, if Warren Buffett says it, mate, and he's not worried at the moment, why is anyone else? Yeah. Yeah. And I've done the same thing as you, Tommy. I've looked into it properly and looked at the years years before, and every time this happens, the bounce back's huge.\n\nAnd if you don't and you have to be very good, mate, and wanna pull your cash out and get it in at the right time. Yeah. Have a look. Yep. Yep.\n\nYep. Yep. Yeah. And that's the problem, mate. Yeah.\n\nThat I oh, man. And that's why you haven't heard from Laura and I, mate. I've just been happy to let it sit. No. Yep.\n\nThat's right. 100%, mate. And that's exactly what yeah. Exactly right, mate. And that's where I'm at with that, mate.\n\nIf we wanna do that, we'll go to a different level if we wanna play that game. Yeah. No. Correct. Absolutely.\n\nYep. A 100%, mate. Definitely. Definitely. And and one last thing, mate, before I go, don't stress about fuel, mate.\n\nThere's plenty. Yeah. It's just a demand thing, mate, not a supply thing at this point. Alright? So don't don't yeah.\n\nIt's all good, mate. The ships are booked and yeah. And don't don't go buying EVs, mate, because that'll probably that'll probably bomb out at some stage too. So I don't I don't know where that's gonna land, mate, but everyone's panicking and buying them now, and then they're all gonna come under the next thing where it starts costing them money. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. No. Thank god. No, mate.\n\nAnd that's what we're in for a while with the lithium, weren't we? And then we we got we got it out. Yep. Yeah. Exactly.\n\n100%, mate. No. Totally agree, mate. And if there's anything in the future, mate, like that, which was I mean, we signed over to you guys anyway, feel free. Do you think, nah.\n\nWe're peaking. We've hit the hit the trophy. We need to go to something else. Let's do it. Yeah.\n\nYep. Great. Yeah. Yep. Yep.\n\nOkay. Yep. Sweet. Mate, that last I suppose the last thing so you don't really need to see us. We just do our home line.\n\nDo what we're gonna do anyway with Grant, get it done, and then we just come see you as because it really doesn't change anything. You guys really aren't gonna say to us, I suppose, at the end of the day, oh, well, no. You can't do that. I mean, that you're not gonna say you know what I mean? Like, we've got the home.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNah. Well, it is, mate. Like, we're still and and that's the thing, mate. I don't we we might have that cash flow there to top it up. Like you said, but at the end of the day, mate, I've got the income spike.\n\nI've got a bloody shutdown coming, like you know what I mean? I just wanna get the home loan preapproved probably shortly, I guess, and just get that so we know it's there. Now the other the other thing is Grant's obviously gone into with us, mate, is obviously, we're in a redraw before, which is a lower interest rate going into offset, mate, but he's talking about, you know, depending on who we go with. We can have multiple offsets, which means, you know, Laura and I do multiple accounts. So we have a savings account.\n\nWe have a a which we're gonna get. So we won't have the savings. So we have a holiday account. We have birthday accounts. We have Christmas accounts.\n\nDo you know what I mean? We have all these different accounts. So he's saying to us, well, let's go with a multiple offset option of, like, eight offsets or 10 offsets where you can still have all those accounts for your bills and that, but it's all offsetting against the line. Yep. Yep.\n\nYep. Yep. Okay, mate. That's fine. That's all I needed to hear, mate, because it's it's very hard to get your head around when I see numbers.\n\nI'm a bit of a numbers guy. So when I say, oh, but I've gotta pay that. But if I was and I am pretty disciplined, mate. But, I mean, if you need $10 tomorrow and you gotta pull it out of the redraw, you're gonna do it. Do you know what I mean?\n\nWhereas with the offset, at least that's all been offsetting until I've needed to get do you know what I mean? Everything else is still offsetting. I'm not touching all of that money, if that makes sense. And that's what I mean. That's what I'm getting at with when you say be disciplined.\n\nLike, at least if you got those other accounts there, they're still offsetting because you haven't touched the holiday account or whatever for that $10. I might have pulled it out of the offset. Do you know what I mean? And that's it. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Well, you know what? And we gotta talk about that with Laura, mate, next. We'll get through this financial year, but we really need to talk about that with her. I think she owes, like, $6.\n\nSo I think we need to wipe that debt. And maybe we offset it for a year, like you said, then pay it. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Well, I've gotta I've gotta have some money to solve for that, mate, because with the man, I would assume whatever they're gonna come after me.\n\nSo yep. Which we it's look. It's that's fine, Tommy. Like, you know, like we just said last time, mate, if they come in if you're paying tax, mate, you're making money. If you're getting it back, you weren't really making that much, were you?\n\nSo yep. Yes. Yes. And that's that's where I need you guys, I suppose, now more than ever is to start to make that seem more streamlined. So, mate, once we get set up with these like, you've just given me the advice with the offsets, so that's good, mate.\n\nWe know that we wanna have multiple offsets. Once we get all those accounts sorted, mate, I'll literally bring in a printout of our bank statement. Do you know what I mean? And go, these are the numbers. That's all that's sitting there, mate.\n\nTell me how to make that work more efficiently if you can. Yes. Yep. Yes. Great.\n\nYeah. Oh, 100%, mate. I get that. Yep. Yeah.\n\nOh, 100%, mate. And like you said, it's a lot it's all a long term thing, Tommy, all this. You know, I'm not I'm not looking to get rich tomorrow, mate. You know? And yeah, I say that, mate, but in a lot of ways, I already am, mate.\n\nI've got two beautiful kids with a happy and healthy mate or wife and and getting a brand new home, so I can't winch, mate. So at all, in the current environment, you know, some poor buggers, I feel very sorry for them. But, yeah, it's about doing what you can with what you get, you know, what you're able to achieve with it, I suppose, mate. And that's all. I just wanna maximize what we do for our kids, mate, moving forward.\n\nLaura and I will be fine. We're already fine. Yep. So that's that's sort of where we're at, mate. But you go and enjoy having your third child or second child?\n\nThird, mate. You're a braver man than me. A 100 percent, mate. Yeah. Yeah.\n\nI mean, they put in they put in a expensive red wine, mate, in the carafe, and you're sitting there thinking, yeah. This is what I mean. You little buggers keep feeding me. Yeah. Alright, dude.\n\nAlright, mate. So do you just wanna touch base with us? Do you just wanna touch base with us in July, like, a week week before you wanna see us? So then that way, at least, I can go to Laura. Right?\n\nWe're gonna come. We gotta go in a week. Right. Fantastic, mate. Yeah.\n\nYeah. Nice. Absolutely, mate. And I hope everything goes really well there, mate. And everyone's happy and healthy and all the rest of it, mate.\n\nAll the best with that. Will do, buddy. Take it easy, mate. Thanks, Tommy. See you, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.0717334896326065},{"text":"Blake speaking.","start":0.96,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04918857105076313},{"text":"Good, mate.","start":5.12,"end":5.7599998,"sentiment":"positive","sentiment_score":0.5440434664487839},{"text":"Mate, I am so sorry.","start":5.7599998,"end":7.22,"sentiment":"neutral","sentiment_score":-0.14769915044307708},{"text":"We have we've obviously booked this, mate, not thinking about school holidays for a start.","start":8.48,"end":13.219999,"sentiment":"neutral","sentiment_score":-0.24232593625783921}],"sentiment":"neutral","sentiment_score":-0.12460748925805092,"num_words":25,"start":0.48,"end":13.219999},{"sentences":[{"text":"Didn't even factor it in, mate.","start":15.185,"end":16.785,"sentiment":"neutral","sentiment_score":-0.1005606111139059},{"text":"We've got two kids at home.","start":16.785,"end":18.145,"sentiment":"neutral","sentiment_score":-0.05447231667737166},{"text":"We can't come in with the girls and chat.","start":18.145,"end":21.265,"sentiment":"neutral","sentiment_score":-0.15598349935478634},{"text":"You know what I mean?","start":21.265,"end":22.404999,"sentiment":"neutral","sentiment_score":-0.055601391941308975},{"text":"And the other thing is, mate, we've had a couple of developments in our property, mate.","start":23.265,"end":27.345001,"sentiment":"neutral","sentiment_score":0.04548915266059339}],"sentiment":"neutral","sentiment_score":-0.04486260900185222,"num_words":42,"start":15.185,"end":27.345001},{"sentences":[{"text":"So we've actually extended our lease at our current rental, mate, till the June and got confirmation with the builder that we could settle on June 30.","start":27.345001,"end":38.059998,"sentiment":"neutral","sentiment_score":0.10474949330091476},{"text":"Yeah.","start":39.879997,"end":40.379997,"sentiment":"neutral","sentiment_score":-0.001965133473277092},{"text":"Because, mate, we're just getting buggerized around too much.","start":40.44,"end":44.055,"sentiment":"neutral","sentiment_score":-0.24085440983374914},{"text":"You know what I mean?","start":44.055,"end":44.695,"sentiment":"neutral","sentiment_score":-0.12810865193605422},{"text":"So we needed a firm date to make sure we had somewhere to live.","start":44.695,"end":47.835,"sentiment":"neutral","sentiment_score":-0.050674524158239365}],"sentiment":"neutral","sentiment_score":-0.012346519656213266,"num_words":56,"start":27.345001,"end":47.835},{"sentences":[{"text":"Yeah.","start":49.735,"end":49.975,"sentiment":"neutral","sentiment_score":0.014502370730042458},{"text":"So that sort of changed a little bit, mate.","start":49.975,"end":52.215,"sentiment":"neutral","sentiment_score":0.015413959407144122},{"text":"We we have spoken to Grant.","start":52.215,"end":54.155,"sentiment":"neutral","sentiment_score":0.05809605990846952},{"text":"He has come over, mate.","start":55.175,"end":56.455,"sentiment":"neutral","sentiment_score":0.06472912803292274},{"text":"Grant's given us a few different options in mortgage.","start":56.455,"end":61.329998,"sentiment":"neutral","sentiment_score":0.07015722534722751}],"sentiment":"neutral","sentiment_score":0.048562167771160604,"num_words":30,"start":49.735,"end":61.329998},{"sentences":[{"text":"You know what I mean?","start":61.47,"end":62.45,"sentiment":"neutral","sentiment_score":0.0029953371733427046},{"text":"How we can sort of structure that, mate.","start":62.989998,"end":65.33,"sentiment":"neutral","sentiment_score":0.15130222495645285},{"text":"Mate, that probably looks numbers wise, mate, to be around 1.1 now because we're gonna keep some money aside, mate.","start":65.95,"end":73.225,"sentiment":"neutral","sentiment_score":0.09667561370879411},{"text":"We'll chat to you about what we're gonna do when we come and see you anyway, mate.","start":73.445,"end":77.065,"sentiment":"neutral","sentiment_score":0.11852364680346321},{"text":"Well, no.","start":82.805,"end":83.705,"sentiment":"neutral","sentiment_score":-0.10102954506874084}],"sentiment":"neutral","sentiment_score":0.0956105704849156,"num_words":52,"start":61.47,"end":83.705},{"sentences":[{"text":"No.","start":83.845,"end":83.925,"sentiment":"neutral","sentiment_score":-0.14911365509033203},{"text":"No.","start":83.925,"end":84.085,"sentiment":"neutral","sentiment_score":-0.173120379447937},{"text":"No.","start":84.085,"end":84.485,"sentiment":"neutral","sentiment_score":-0.1932637244462967},{"text":"I'm thinking that we oh, okay.","start":84.485,"end":86.19,"sentiment":"neutral","sentiment_score":-0.1235921320815881},{"text":"So you're thinking after we have the mortgage done and everything, you don't need us to see us before that for anything?","start":86.19,"end":91.09,"sentiment":"neutral","sentiment_score":-0.08119715699418024}],"sentiment":"neutral","sentiment_score":-0.09817380662406644,"num_words":31,"start":83.845,"end":91.09},{"sentences":[{"text":"Yeah.","start":98.315,"end":98.815,"sentiment":"neutral","sentiment_score":-0.0029379352927207947},{"text":"And I might I I I just don't think, mate, in the current climate, you know, with everything going on that I wanna put another 30 odd grand in that at the moment unless you guys really think that it's gonna make a huge difference.","start":98.955,"end":111.615005,"sentiment":"neutral","sentiment_score":-0.21848966106772422},{"text":"Yep.","start":116.86,"end":117.36,"sentiment":"positive","sentiment_score":0.34607332944869995},{"text":"I know, mate.","start":118.46001,"end":119.340004,"sentiment":"neutral","sentiment_score":0.12854165335496268},{"text":"I've seen it.","start":119.340004,"end":119.98,"sentiment":"positive","sentiment_score":0.4339225192864736}],"sentiment":"neutral","sentiment_score":-0.1471982421880623,"num_words":53,"start":98.315,"end":119.98},{"sentences":[{"text":"I've seen what you've done, and I'm very impressed.","start":119.98,"end":122.32001,"sentiment":"positive","sentiment_score":0.6924245953559875},{"text":"So yes.","start":122.78001,"end":124.240005,"sentiment":"positive","sentiment_score":0.3965953290462494},{"text":"Very impressed.","start":124.380005,"end":125.28001,"sentiment":"neutral","sentiment_score":0.03760209120810032},{"text":"Yeah.","start":129.115,"end":129.615,"sentiment":"neutral","sentiment_score":-0.00602460652589798},{"text":"Absolutely, mate.","start":134.475,"end":135.77501,"sentiment":"neutral","sentiment_score":0.13384641334414482}],"sentiment":"positive","sentiment_score":0.4601177761796862,"num_words":16,"start":119.98,"end":135.77501},{"sentences":[{"text":"Yep.","start":136.55501,"end":137.05501,"sentiment":"neutral","sentiment_score":0.0724911093711853},{"text":"Yep.","start":138.315,"end":138.815,"sentiment":"neutral","sentiment_score":0.05860702320933342},{"text":"Yes.","start":140.715,"end":141.03,"sentiment":"neutral","sentiment_score":0.20880241692066193},{"text":"Yeah.","start":142.47,"end":142.87,"sentiment":"neutral","sentiment_score":0.14036180078983307},{"text":"And, mate, I'll be up front with you, mate.","start":142.87,"end":144.63,"sentiment":"neutral","sentiment_score":0.16183464394675362}],"sentiment":"neutral","sentiment_score":0.1489826266009074,"num_words":13,"start":136.55501,"end":144.63},{"sentences":[{"text":"We I went and put some I just put a thousand dollars, mate, on a new Volkswagen truck recently just because, mate, it's a it's a walk inshore one, mate, so it's basically a limited edition model.","start":144.63,"end":158.155,"sentiment":"neutral","sentiment_score":0.14159862072886648},{"text":"So it's only a thousand dollars, mate, at the moment.","start":159.095,"end":161.435,"sentiment":"neutral","sentiment_score":0.03279431667178869},{"text":"We haven't committed to it either way, but I wanted to that won't be ready till, like, September.","start":161.895,"end":166.55501,"sentiment":"neutral","sentiment_score":-0.02942629179192914},{"text":"So I wanted to run the numbers with you guys.","start":166.98001,"end":169.3,"sentiment":"neutral","sentiment_score":0.03388092294335365},{"text":"Do we just pay for this thing?","start":169.3,"end":171.40001,"sentiment":"neutral","sentiment_score":-0.09580580357994352}],"sentiment":"neutral","sentiment_score":0.05738521324152627,"num_words":82,"start":144.63,"end":171.40001},{"sentences":[{"text":"Is it out of our reach?","start":171.78,"end":173.24,"sentiment":"neutral","sentiment_score":-0.17877716074387232},{"text":"Do we do it through a lease?","start":173.78,"end":175.78,"sentiment":"neutral","sentiment_score":-0.07070770859718323},{"text":"You know, what how's this gonna look, obviously, with what you just spoke about, cash flow wise?","start":175.78,"end":181.515,"sentiment":"neutral","sentiment_score":-0.03351445452255361},{"text":"Because, obviously, we're gonna have I don't know, mate.","start":182.395,"end":185.83499,"sentiment":"neutral","sentiment_score":-0.15051600171460044},{"text":"My my I don't know what your thoughts are about this interest rate thing, mate, but it it's sort of gonna be a bit of a funny one to me because they can only go so hard.","start":185.83499,"end":193.935,"sentiment":"neutral","sentiment_score":-0.22161531559116132}],"sentiment":"neutral","sentiment_score":-0.1538391229451487,"num_words":76,"start":171.78,"end":193.935},{"sentences":[{"text":"Before they're gonna cripple the the Australian economy anyway, mate.","start":198.36,"end":201.56,"sentiment":"neutral","sentiment_score":-0.2700734123587608},{"text":"Banks aren't gonna wanna want that to happen because if everyone starts to go on mortgages, well, where did that leave them?","start":201.56,"end":208.7,"sentiment":"neutral","sentiment_score":-0.2656831822612069},{"text":"That's right.","start":213.735,"end":214.475,"sentiment":"neutral","sentiment_score":-0.016336051747202873},{"text":"Yeah.","start":217.895,"end":218.395,"sentiment":"neutral","sentiment_score":-0.06790725141763687},{"text":"Yeah.","start":221.41501,"end":221.91501,"sentiment":"neutral","sentiment_score":-0.14016231894493103}],"sentiment":"neutral","sentiment_score":-0.24406960575530925,"num_words":36,"start":198.36,"end":221.91501},{"sentences":[{"text":"Yep.","start":229.41,"end":229.81,"sentiment":"neutral","sentiment_score":-0.07105640321969986},{"text":"They have.","start":229.81,"end":230.47,"sentiment":"neutral","sentiment_score":-0.06344030983746052},{"text":"Yeah.","start":231.41,"end":231.89,"sentiment":"neutral","sentiment_score":-0.012676231563091278},{"text":"Oh, I I agree with you, mate.","start":231.89,"end":233.25,"sentiment":"neutral","sentiment_score":-0.00609985353159053},{"text":"They've gone too hard with everything.","start":233.25,"end":236.15,"sentiment":"negative","sentiment_score":-0.34185461203257245}],"sentiment":"neutral","sentiment_score":-0.13555528831613414,"num_words":17,"start":229.41,"end":236.15},{"sentences":[{"text":"They they they've let everything else come up, and they haven't factored in.","start":236.315,"end":239.995,"sentiment":"neutral","sentiment_score":-0.31270403816149783},{"text":"And, mate, I mean, you know what I do for a living, I have to tell you.","start":239.995,"end":242.875,"sentiment":"neutral","sentiment_score":-0.19365733774269328},{"text":"Look at it.","start":242.875,"end":243.275,"sentiment":"neutral","sentiment_score":-0.12039196491241455},{"text":"Look at what's going on there.","start":243.275,"end":244.655,"sentiment":"neutral","sentiment_score":-0.1632393275698026},{"text":"Kinda ridiculous.","start":245.755,"end":246.735,"sentiment":"negative","sentiment_score":-0.5347724556922913}],"sentiment":"neutral","sentiment_score":-0.23823131729916827,"num_words":41,"start":236.315,"end":246.735},{"sentences":[{"text":"Like, we we don't even have to be in this position if we don't do what we've done years ago, and we just keep letting everything go.","start":247.275,"end":254.11,"sentiment":"negative","sentiment_score":-0.4814158424183174},{"text":"And now we're all paying for it.","start":254.11,"end":255.89,"sentiment":"negative","sentiment_score":-0.4680875965527126},{"text":"So it's just madness.","start":255.95,"end":258.29,"sentiment":"negative","sentiment_score":-0.5588628798723221},{"text":"Like so my my yeah.","start":258.43,"end":260.99,"sentiment":"neutral","sentiment_score":-0.32065181732177733},{"text":"My sort of thing is, mate, I don't reckon they can go more than a couple more because I know that they're gonna they're gonna push people over the edge.","start":260.99,"end":267.845,"sentiment":"negative","sentiment_score":-0.3904752309123675}],"sentiment":"negative","sentiment_score":-0.4359973760908597,"num_words":73,"start":247.275,"end":267.845},{"sentences":[{"text":"Yep.","start":276.145,"end":276.645,"sentiment":"neutral","sentiment_score":-0.2868116796016693},{"text":"Yep.","start":280.49002,"end":280.99002,"sentiment":"neutral","sentiment_score":-0.03044205531477928},{"text":"Yeah.","start":283.69,"end":284.19,"sentiment":"neutral","sentiment_score":0.03945983201265335},{"text":"That that's my way of thinking too, mate.","start":284.25,"end":286.59,"sentiment":"neutral","sentiment_score":0.07686568098142743},{"text":"I mean, it's not gonna cripple Laura and I.","start":287.29,"end":289.47,"sentiment":"neutral","sentiment_score":-0.07870873901993036}],"sentiment":"neutral","sentiment_score":-0.018562355311587453,"num_words":20,"start":276.145,"end":289.47},{"sentences":[{"text":"We're in a in a different position.","start":289.53,"end":291.79,"sentiment":"neutral","sentiment_score":-0.06227958734546389},{"text":"And, obviously, with the wage I'm on, mate, I've just gone senior operator, so I've gone to $2.40 a year now.","start":292.545,"end":298.965,"sentiment":"neutral","sentiment_score":-0.03518962779171055},{"text":"So I've kicked that up to there now, and that's plus over time, mate.","start":300.545,"end":304.305,"sentiment":"neutral","sentiment_score":0.2681519740394184},{"text":"They've got this shutdown coming at some stage, mate, so we'll be making a bit of money out of that and whatever.","start":304.305,"end":309.30002,"sentiment":"neutral","sentiment_score":-0.18051064725626598},{"text":"So I suppose I just what I really wanna do is sit down and not here.","start":309.30002,"end":313.72,"sentiment":"neutral","sentiment_score":-0.013089004438370466}],"sentiment":"neutral","sentiment_score":-0.020018374614301136,"num_words":80,"start":289.53,"end":313.72},{"sentences":[{"text":"How do we keep our lifestyle where we've got it without putting ourselves under financial stress?","start":314.34,"end":321.38,"sentiment":"neutral","sentiment_score":0.018619892187416553},{"text":"Do you know what I mean?","start":321.38,"end":322.58002,"sentiment":"neutral","sentiment_score":-0.17685664941867194},{"text":"By doing anything else that may be too much for us.","start":322.58002,"end":326.715,"sentiment":"neutral","sentiment_score":-0.2888422418724407},{"text":"Do you know what I mean?","start":326.715,"end":327.595,"sentiment":"neutral","sentiment_score":-0.077498285099864},{"text":"So having a good honest chat about it and going, right, how do we do all of this?","start":327.595,"end":332.415,"sentiment":"neutral","sentiment_score":0.1662624134785599}],"sentiment":"neutral","sentiment_score":-0.024785132457812626,"num_words":57,"start":314.34,"end":332.415},{"sentences":[{"text":"Yeah.","start":337.435,"end":337.89,"sentiment":"neutral","sentiment_score":0.041572801768779755},{"text":"Yep.","start":338.61002,"end":339.11002,"sentiment":"neutral","sentiment_score":0.002525872318074107},{"text":"That's alright.","start":340.69,"end":341.51,"sentiment":"neutral","sentiment_score":0.0918378047645092},{"text":"Yes.","start":344.61002,"end":345.11002,"sentiment":"neutral","sentiment_score":0.035171180963516235},{"text":"Yeah.","start":346.21002,"end":346.53003,"sentiment":"neutral","sentiment_score":-0.020792070776224136}],"sentiment":"neutral","sentiment_score":0.04035889896719406,"num_words":6,"start":337.435,"end":346.53003},{"sentences":[{"text":"I do, mate.","start":346.53003,"end":347.09003,"sentiment":"neutral","sentiment_score":-0.09657142559687297},{"text":"Oh, look, mate.","start":347.09003,"end":347.89,"sentiment":"neutral","sentiment_score":0.08123122652371724},{"text":"And yeah.","start":347.89,"end":348.61002,"sentiment":"neutral","sentiment_score":0.06029706075787544},{"text":"And I've been doing a bit of research on YouTube, mate, just looking about that debt recycling that we discussed just to understand it.","start":348.61002,"end":357.745,"sentiment":"neutral","sentiment_score":0.05623090717320641},{"text":"And I'm I'm sort of got getting my head around it, mate, now that, you know, it's basically from what I watched, and I just looked at it in the housing scenario.","start":359.165,"end":366.86502,"sentiment":"neutral","sentiment_score":0.05684484011726454}],"sentiment":"neutral","sentiment_score":0.050674221565714106,"num_words":64,"start":346.53003,"end":366.86502},{"sentences":[{"text":"You know, you got 200 k yourself.","start":367.165,"end":369.11002,"sentiment":"neutral","sentiment_score":0.03909742246781077},{"text":"You got a house that's worth 800 k.","start":369.11002,"end":371.19,"sentiment":"neutral","sentiment_score":0.048734840005636215},{"text":"You take your 200 k out.","start":371.19,"end":372.89,"sentiment":"neutral","sentiment_score":0.07050218433141708},{"text":"You use that to buy the next house, and then you recycle when you when you recycle that, then you can recycle that back from the other property Because it's a tax break on the first one, isn't it?","start":373.19,"end":384.865,"sentiment":"neutral","sentiment_score":0.06070509075354307},{"text":"Yes.","start":391.88498,"end":392.38498,"sentiment":"neutral","sentiment_score":0.1882169544696808}],"sentiment":"neutral","sentiment_score":0.05970966028141194,"num_words":61,"start":367.165,"end":392.38498},{"sentences":[{"text":"Yep.","start":397.00497,"end":397.38,"sentiment":"neutral","sentiment_score":-0.22123800218105316},{"text":"Yep.","start":401.22,"end":401.72,"sentiment":"neutral","sentiment_score":-0.19122159481048584},{"text":"No.","start":402.74,"end":403.24,"sentiment":"neutral","sentiment_score":-0.1945534497499466},{"text":"Yes.","start":406.82,"end":407.32,"sentiment":"neutral","sentiment_score":0.118314728140831},{"text":"Yeah.","start":410.655,"end":410.975,"sentiment":"neutral","sentiment_score":0.07272962480783463}],"sentiment":"neutral","sentiment_score":-0.08319373875856399,"num_words":5,"start":397.00497,"end":410.975},{"sentences":[{"text":"That's that's what we need to try and look at doing, don't we?","start":410.975,"end":414.915,"sentiment":"neutral","sentiment_score":0.047215644270181656},{"text":"To try and get our debt down on on our actual property in Paradise Point because that's the goal.","start":416.815,"end":422.755,"sentiment":"neutral","sentiment_score":0.18647532086623342},{"text":"Yes.","start":429.22,"end":429.72,"sentiment":"neutral","sentiment_score":0.15396812558174133},{"text":"Yep.","start":434.98,"end":435.38,"sentiment":"neutral","sentiment_score":0.1281445324420929},{"text":"Yep.","start":435.38,"end":435.88,"sentiment":"neutral","sentiment_score":0.1602957546710968}],"sentiment":"neutral","sentiment_score":0.13140693956187793,"num_words":35,"start":410.975,"end":435.88},{"sentences":[{"text":"Oh, mate.","start":438.835,"end":439.875,"sentiment":"neutral","sentiment_score":0.2380528524518013},{"text":"That sounds great to me.","start":439.875,"end":441.235,"sentiment":"positive","sentiment_score":0.4894029855728149},{"text":"Yeah.","start":441.235,"end":441.735,"sentiment":"neutral","sentiment_score":0.2977348566055298},{"text":"Yep.","start":441.79498,"end":442.275,"sentiment":"neutral","sentiment_score":0.25029051303863525},{"text":"And convert and keep converting it around, mate, on top of what we're putting in on top.","start":442.275,"end":446.755,"sentiment":"neutral","sentiment_score":0.24273757110623753}],"sentiment":"neutral","sentiment_score":0.2922186427391492,"num_words":26,"start":438.835,"end":446.755},{"sentences":[{"text":"Do you know what I mean?","start":446.755,"end":447.555,"sentiment":"neutral","sentiment_score":0.07903144136071205},{"text":"And you I suppose that's the conversation too when we see you is, how do I use my overtime money wisely?","start":447.555,"end":456.3,"sentiment":"neutral","sentiment_score":0.11453796071665627},{"text":"Because we don't need that money as such.","start":456.36,"end":459.09998,"sentiment":"neutral","sentiment_score":-0.027896105777472258},{"text":"We can live comfortably what we already got.","start":459.47998,"end":461.47998,"sentiment":"positive","sentiment_score":0.5576244629919529},{"text":"So how do we use that wisely?","start":461.47998,"end":463.09998,"sentiment":"positive","sentiment_score":0.3355945348739624}],"sentiment":"neutral","sentiment_score":0.18932948850095271,"num_words":50,"start":446.755,"end":463.09998},{"sentences":[{"text":"I understand that I might put some money away for, like, a holiday or you know what I mean?","start":463.15997,"end":466.91998,"sentiment":"neutral","sentiment_score":-0.04381306312586132},{"text":"Go off.","start":466.91998,"end":467.535,"sentiment":"neutral","sentiment_score":-0.07101934403181076},{"text":"Got that.","start":467.615,"end":468.095,"sentiment":"neutral","sentiment_score":-0.044783418998122215},{"text":"I'll put a bit away in holiday account or whatever, but still a a port a good portion of that's always gonna go against the mortgage.","start":468.095,"end":475.375,"sentiment":"neutral","sentiment_score":-0.07810369606774586},{"text":"But is that the best spot to be putting it, or do we use it somewhere else?","start":475.375,"end":478.415,"sentiment":"neutral","sentiment_score":-0.014951193814768511}],"sentiment":"neutral","sentiment_score":-0.050741213910055885,"num_words":66,"start":463.15997,"end":478.415},{"sentences":[{"text":"Do you know what I mean?","start":478.415,"end":479.555,"sentiment":"neutral","sentiment_score":-0.016104016453027725},{"text":"Or is that we use that money for your investment sort of things like you know, like, I'm trying to figure out how you guys think we can best use that.","start":479.615,"end":487.94998,"sentiment":"neutral","sentiment_score":0.0882554806528553},{"text":"Yep.","start":496.475,"end":496.975,"sentiment":"neutral","sentiment_score":0.05368572473526001},{"text":"Yep.","start":500.315,"end":500.815,"sentiment":"neutral","sentiment_score":0.012036683969199656},{"text":"Yep.","start":504.155,"end":504.555,"sentiment":"neutral","sentiment_score":0.0662345141172409}],"sentiment":"neutral","sentiment_score":0.0692813181085512,"num_words":40,"start":478.415,"end":504.555},{"sentences":[{"text":"Yep.","start":504.555,"end":504.875,"sentiment":"neutral","sentiment_score":0.07519780844449997},{"text":"Well, I see, mate, it's always gonna be there.","start":504.875,"end":507.215,"sentiment":"neutral","sentiment_score":0.0736422265569369},{"text":"There's always gonna be a need for it.","start":507.275,"end":509.04,"sentiment":"neutral","sentiment_score":0.04099530726671219},{"text":"That the refineries, and it is never ever not gonna be a time where there isn't any.","start":510.24002,"end":513.84,"sentiment":"neutral","sentiment_score":0.1602884997778079},{"text":"Do you know what I mean?","start":513.84,"end":514.9,"sentiment":"neutral","sentiment_score":0.017611499254902203}],"sentiment":"neutral","sentiment_score":0.0950369218864092,"num_words":41,"start":504.555,"end":514.9},{"sentences":[{"text":"Yeah.","start":516.32,"end":516.82,"sentiment":"neutral","sentiment_score":0.0666472464799881},{"text":"Yes.","start":525.625,"end":525.945,"sentiment":"neutral","sentiment_score":0.15161795914173126},{"text":"That's right.","start":525.945,"end":526.745,"sentiment":"neutral","sentiment_score":0.1704949587583542},{"text":"Yep.","start":526.745,"end":527.245,"sentiment":"neutral","sentiment_score":0.1791067123413086},{"text":"Okay.","start":530.985,"end":531.485,"sentiment":"neutral","sentiment_score":0.12880444526672363}],"sentiment":"neutral","sentiment_score":0.14452771345774332,"num_words":6,"start":516.32,"end":531.485},{"sentences":[{"text":"Yep.","start":533.78503,"end":534.28503,"sentiment":"neutral","sentiment_score":0.05894163250923157},{"text":"Yep.","start":535.145,"end":535.645,"sentiment":"neutral","sentiment_score":-0.06547781825065613},{"text":"No.","start":547.46,"end":547.7,"sentiment":"neutral","sentiment_score":-0.09266748279333116},{"text":"Yep.","start":547.7,"end":548.2,"sentiment":"neutral","sentiment_score":-0.03285865858197212},{"text":"Yes.","start":552.875,"end":553.195,"sentiment":"neutral","sentiment_score":0.19977451860904696}],"sentiment":"neutral","sentiment_score":0.013542438298463827,"num_words":5,"start":533.78503,"end":553.195},{"sentences":[{"text":"Yeah.","start":553.195,"end":553.515,"sentiment":"positive","sentiment_score":0.39059513807296753},{"text":"Perfect, mate.","start":553.515,"end":554.075,"sentiment":"positive","sentiment_score":0.7203066945075989},{"text":"Because we will look, mate, on and to be up front we did too, mate, we ended up with about 960 odd thousand in the end in our own hands.","start":554.075,"end":563.855,"sentiment":"positive","sentiment_score":0.52513334552447},{"text":"And then, mate, I've already Laura and I have already put another thirteen or fourteen thousand away plus the amount of money that we have earning interest, which is about $3 for the first month on that money.","start":565.57,"end":580.225,"sentiment":"neutral","sentiment_score":0.20627789101318308},{"text":"So we're getting a high interest account at the moment and just using that up until we get to the property.","start":580.225,"end":585.02496,"sentiment":"neutral","sentiment_score":0.2196592152828262}],"sentiment":"neutral","sentiment_score":0.32648491600285406,"num_words":92,"start":553.195,"end":585.02496},{"sentences":[{"text":"So I'm hoping to have maybe 50 or $60 of our own money, if that makes sense.","start":585.02496,"end":590.40497,"sentiment":"neutral","sentiment_score":0.17622445392258027},{"text":"But we can't actually do the loan.","start":590.55,"end":593.69,"sentiment":"neutral","sentiment_score":-0.16278454342058726},{"text":"Yeah.","start":594.39,"end":594.89,"sentiment":"neutral","sentiment_score":-0.0114701259881258},{"text":"Yeah.","start":595.02997,"end":595.35,"sentiment":"neutral","sentiment_score":-0.005916018038988113},{"text":"I'm just I'm hoping to try and get it to that mill, mate, so that just just gives Laura and I a bit of a buffer so we can get in the house, do the things that we need to do, like window coverings and all that.","start":595.35,"end":604.725,"sentiment":"neutral","sentiment_score":0.06803886330825218}],"sentiment":"neutral","sentiment_score":0.0689967718383629,"num_words":73,"start":585.02496,"end":604.725},{"sentences":[{"text":"Plus, if I do the shutdown, mate, that's gonna be another big cash flow.","start":604.725,"end":609.0665,"sentiment":"neutral","sentiment_score":-0.15591418769742763},{"text":"So I can bank away some money there.","start":609.0665,"end":611.54736,"sentiment":"neutral","sentiment_score":-0.29988977313041687},{"text":"You know what I mean?","start":611.54736,"end":613.0979,"sentiment":"neutral","sentiment_score":-0.12369312494993209},{"text":"And try and get some capital already, if that makes sense, even in a time when it's like this.","start":613.0979,"end":618.99,"sentiment":"neutral","sentiment_score":-0.005484249246747871},{"text":"Yep.","start":624.83,"end":625.33,"sentiment":"positive","sentiment_score":0.42053160071372986}],"sentiment":"neutral","sentiment_score":-0.10391599090492472,"num_words":47,"start":604.725,"end":625.33},{"sentences":[{"text":"Well, that's what I'm trying to do, man.","start":628.99,"end":630.67,"sentiment":"positive","sentiment_score":0.3883692044764757},{"text":"I'm trying to work really hard now and get as much out of it as I can while we're in a in a position where we are because there's gonna be and, mate, I know nothing about markets like you guys, but all I know is one thing is if you combine the low, mate, and then watch the high come up, you're gonna get you're gonna do well.","start":630.67,"end":648.245,"sentiment":"neutral","sentiment_score":0.24159304713965327},{"text":"Yeah.","start":656.44,"end":656.94,"sentiment":"neutral","sentiment_score":-0.0919935256242752},{"text":"Yep.","start":661.0,"end":661.5,"sentiment":"neutral","sentiment_score":-0.052522070705890656},{"text":"Yeah.","start":663.735,"end":664.235,"sentiment":"neutral","sentiment_score":-0.0007787756621837616}],"sentiment":"neutral","sentiment_score":0.24539474395569413,"num_words":80,"start":628.99,"end":664.235},{"sentences":[{"text":"Correct.","start":671.175,"end":671.675,"sentiment":"neutral","sentiment_score":0.08146597445011139},{"text":"That's right.","start":674.535,"end":675.435,"sentiment":"neutral","sentiment_score":0.17280012369155884},{"text":"Yep.","start":675.89496,"end":676.39496,"sentiment":"neutral","sentiment_score":0.18555903434753415},{"text":"Yeah.","start":679.175,"end":679.675,"sentiment":"neutral","sentiment_score":0.20011386275291443},{"text":"No.","start":683.07,"end":683.57,"sentiment":"neutral","sentiment_score":-0.11159932613372804}],"sentiment":"neutral","sentiment_score":0.11685663213332494,"num_words":6,"start":671.175,"end":683.57},{"sentences":[{"text":"Yep.","start":686.99005,"end":687.49005,"sentiment":"neutral","sentiment_score":0.28672730922698975},{"text":"Well, that that's what I'm that's what I'm sort of thinking, mate, and that's where you guys come into play.","start":690.91003,"end":695.50494,"sentiment":"neutral","sentiment_score":0.06662980783730746},{"text":"And that's why you haven't heard from me, mate, when all this has gone on because I've heard guys that manage their own super at work and that, mate, they're right into their financials, and they're the ones that are panicking more than anyone going, oh, you need to put it all in cash.","start":695.50494,"end":707.685,"sentiment":"neutral","sentiment_score":-0.32287436447761675},{"text":"I'm not well, to me, no.","start":709.51,"end":711.43,"sentiment":"negative","sentiment_score":-0.6055269340674082},{"text":"It's like you're gonna miss that opportunity on the other side.","start":711.43,"end":714.25,"sentiment":"negative","sentiment_score":-0.44830697639421985}],"sentiment":"neutral","sentiment_score":-0.26500468000607647,"num_words":92,"start":686.99005,"end":714.25},{"sentences":[{"text":"Like, if Warren Buffett says it, mate, and he's not worried at the moment, why is anyone else?","start":714.47,"end":719.52997,"sentiment":"neutral","sentiment_score":-0.17216347048007366},{"text":"Yeah.","start":734.245,"end":734.725,"sentiment":"neutral","sentiment_score":0.021413074806332588},{"text":"Yeah.","start":734.725,"end":735.225,"sentiment":"neutral","sentiment_score":0.08009844273328781},{"text":"And I've done the same thing as you, Tommy.","start":735.51996,"end":737.76,"sentiment":"neutral","sentiment_score":0.1079439553949568},{"text":"I've looked into it properly and looked at the years years before, and every time this happens, the bounce back's huge.","start":737.76,"end":745.7,"sentiment":"neutral","sentiment_score":0.05236778621162687}],"sentiment":"neutral","sentiment_score":-0.0185242368420586,"num_words":50,"start":714.47,"end":745.7},{"sentences":[{"text":"And if you don't and you have to be very good, mate, and wanna pull your cash out and get it in at the right time.","start":745.83997,"end":750.89996,"sentiment":"neutral","sentiment_score":0.008113435541207973},{"text":"Yeah.","start":753.165,"end":753.405,"sentiment":"neutral","sentiment_score":-0.05314837768673897},{"text":"Have a look.","start":753.405,"end":754.145,"sentiment":"neutral","sentiment_score":-0.04475997636715571},{"text":"Yep.","start":756.925,"end":757.425,"sentiment":"neutral","sentiment_score":-0.049470823258161545},{"text":"Yep.","start":759.165,"end":759.665,"sentiment":"neutral","sentiment_score":-0.0872219130396843}],"sentiment":"neutral","sentiment_score":-0.0035366162192076445,"num_words":32,"start":745.83997,"end":759.665},{"sentences":[{"text":"Yep.","start":765.165,"end":765.245,"sentiment":"neutral","sentiment_score":-0.00685563450679183},{"text":"Yep.","start":765.245,"end":765.745,"sentiment":"neutral","sentiment_score":0.03604505956172943},{"text":"Yeah.","start":778.91003,"end":779.41003,"sentiment":"neutral","sentiment_score":-0.11823183298110962},{"text":"And that's the problem, mate.","start":779.555,"end":781.095,"sentiment":"neutral","sentiment_score":-0.1673656091094017},{"text":"Yeah.","start":781.15497,"end":781.39496,"sentiment":"neutral","sentiment_score":-0.0549890510737896}],"sentiment":"neutral","sentiment_score":-0.10898438939410779,"num_words":9,"start":765.165,"end":781.39496},{"sentences":[{"text":"That I oh, man.","start":781.39496,"end":782.19495,"sentiment":"neutral","sentiment_score":-0.054501731880009174},{"text":"And that's why you haven't heard from Laura and I, mate.","start":782.19495,"end":784.035,"sentiment":"neutral","sentiment_score":-0.01678347485986623},{"text":"I've just been happy to let it sit.","start":784.035,"end":785.815,"sentiment":"neutral","sentiment_score":0.31523712910711765},{"text":"No.","start":792.27496,"end":792.77496,"sentiment":"neutral","sentiment_score":-0.24102669954299927},{"text":"Yep.","start":794.115,"end":794.615,"sentiment":"neutral","sentiment_score":-0.1767294704914093}],"sentiment":"neutral","sentiment_score":0.0680606284737587,"num_words":25,"start":781.39496,"end":794.615},{"sentences":[{"text":"That's right.","start":795.39996,"end":796.22,"sentiment":"neutral","sentiment_score":0.02046110481023789},{"text":"100%, mate.","start":796.52,"end":797.48,"sentiment":"neutral","sentiment_score":0.24363923817873},{"text":"And that's exactly what yeah.","start":797.48,"end":798.83997,"sentiment":"neutral","sentiment_score":0.24281385242938996},{"text":"Exactly right, mate.","start":798.83997,"end":799.72,"sentiment":"positive","sentiment_score":0.37319202224413556},{"text":"And that's where I'm at with that, mate.","start":799.72,"end":801.16,"sentiment":"neutral","sentiment_score":0.1342444559559226}],"sentiment":"neutral","sentiment_score":0.19679008312523366,"num_words":20,"start":795.39996,"end":801.16},{"sentences":[{"text":"If we wanna do that, we'll go to a different level if we wanna play that game.","start":801.16,"end":805.42,"sentiment":"neutral","sentiment_score":0.008039209115154603},{"text":"Yeah.","start":805.64,"end":806.14,"sentiment":"neutral","sentiment_score":0.028657590970396996},{"text":"No.","start":808.36,"end":808.86,"sentiment":"neutral","sentiment_score":-0.06894515454769135},{"text":"Correct.","start":810.315,"end":810.815,"sentiment":"neutral","sentiment_score":0.1241382360458374},{"text":"Absolutely.","start":811.435,"end":811.935,"sentiment":"neutral","sentiment_score":0.2137664556503296}],"sentiment":"neutral","sentiment_score":0.02068017538459528,"num_words":21,"start":801.16,"end":811.935},{"sentences":[{"text":"Yep.","start":813.27496,"end":813.77496,"sentiment":"neutral","sentiment_score":0.049288325011730194},{"text":"A 100%, mate.","start":814.27496,"end":816.235,"sentiment":"neutral","sentiment_score":0.20469620575507483},{"text":"Definitely.","start":816.235,"end":816.735,"sentiment":"positive","sentiment_score":0.5028705596923828},{"text":"Definitely.","start":816.875,"end":817.375,"sentiment":"positive","sentiment_score":0.4017215371131897},{"text":"And and one last thing, mate, before I go, don't stress about fuel, mate.","start":817.51495,"end":821.355,"sentiment":"neutral","sentiment_score":0.08289714024535247}],"sentiment":"neutral","sentiment_score":0.1364264501258731,"num_words":20,"start":813.27496,"end":821.355},{"sentences":[{"text":"There's plenty.","start":821.355,"end":822.03,"sentiment":"neutral","sentiment_score":0.12777791917324066},{"text":"Yeah.","start":824.35004,"end":824.67004,"sentiment":"neutral","sentiment_score":0.2624368667602539},{"text":"It's just a demand thing, mate, not a supply thing at this point.","start":824.67004,"end":828.05005,"sentiment":"neutral","sentiment_score":0.028732423070603266},{"text":"Alright?","start":828.51,"end":829.01,"sentiment":"neutral","sentiment_score":0.11967173218727112},{"text":"So don't don't yeah.","start":829.31006,"end":830.91003,"sentiment":"neutral","sentiment_score":0.06454236526042223}],"sentiment":"neutral","sentiment_score":0.06044549515493037,"num_words":21,"start":821.355,"end":830.91003},{"sentences":[{"text":"It's all good, mate.","start":830.91003,"end":831.79004,"sentiment":"positive","sentiment_score":0.3738286942243576},{"text":"The ships are booked and yeah.","start":831.79004,"end":836.67004,"sentiment":"neutral","sentiment_score":-0.12156049783031146},{"text":"And don't don't go buying EVs, mate, because that'll probably that'll probably bomb out at some stage too.","start":836.67004,"end":842.585,"sentiment":"neutral","sentiment_score":-0.32143279165029526},{"text":"So I don't I don't know where that's gonna land, mate, but everyone's panicking and buying them now, and then they're all gonna come under the next thing where it starts costing them money.","start":842.72504,"end":851.64,"sentiment":"neutral","sentiment_score":-0.30440865500884895},{"text":"Yep.","start":857.8,"end":858.3,"sentiment":"neutral","sentiment_score":0.019124502316117287}],"sentiment":"neutral","sentiment_score":-0.24366044805991272,"num_words":63,"start":830.91003,"end":858.3},{"sentences":[{"text":"Yep.","start":860.44,"end":860.94,"sentiment":"neutral","sentiment_score":-0.0021597533486783504},{"text":"Yep.","start":862.92004,"end":863.42004,"sentiment":"neutral","sentiment_score":0.08341383934020996},{"text":"Yep.","start":864.36,"end":864.52,"sentiment":"neutral","sentiment_score":0.07319599390029907},{"text":"Yep.","start":864.52,"end":865.02,"sentiment":"neutral","sentiment_score":0.1147494614124298},{"text":"Yep.","start":869.425,"end":869.925,"sentiment":"neutral","sentiment_score":0.0037891454994678497}],"sentiment":"neutral","sentiment_score":0.05459773736074567,"num_words":5,"start":860.44,"end":869.925},{"sentences":[{"text":"Yep.","start":870.38495,"end":870.88495,"sentiment":"neutral","sentiment_score":-0.023722786456346512},{"text":"Yep.","start":871.665,"end":872.165,"sentiment":"neutral","sentiment_score":-0.025894716382026672},{"text":"No.","start":874.46497,"end":874.625,"sentiment":"neutral","sentiment_score":-0.13927772641181946},{"text":"Thank god.","start":874.625,"end":875.105,"sentiment":"neutral","sentiment_score":-0.10782602429389954},{"text":"No, mate.","start":875.105,"end":875.425,"sentiment":"neutral","sentiment_score":-0.10120592266321182}],"sentiment":"neutral","sentiment_score":-0.08670844616634506,"num_words":7,"start":870.38495,"end":875.425},{"sentences":[{"text":"And that's what we're in for a while with the lithium, weren't we?","start":875.425,"end":877.50494,"sentiment":"neutral","sentiment_score":-0.04827626837560764},{"text":"And then we we got we got it out.","start":877.50494,"end":879.045,"sentiment":"neutral","sentiment_score":-0.0325172148231003},{"text":"Yep.","start":880.225,"end":880.725,"sentiment":"neutral","sentiment_score":0.13680365681648254},{"text":"Yeah.","start":880.785,"end":881.13,"sentiment":"neutral","sentiment_score":0.14902165532112122},{"text":"Exactly.","start":881.69,"end":882.19,"sentiment":"neutral","sentiment_score":0.0858369991183281}],"sentiment":"neutral","sentiment_score":-0.021943364441394806,"num_words":25,"start":875.425,"end":882.19},{"sentences":[{"text":"100%, mate.","start":883.21,"end":884.25,"sentiment":"neutral","sentiment_score":0.15350358933210373},{"text":"No.","start":884.25,"end":884.49,"sentiment":"neutral","sentiment_score":-0.2068529725074768},{"text":"Totally agree, mate.","start":884.49,"end":885.29,"sentiment":"neutral","sentiment_score":0.2999376555283864},{"text":"And if there's anything in the future, mate, like that, which was I mean, we signed over to you guys anyway, feel free.","start":885.29,"end":890.27,"sentiment":"neutral","sentiment_score":0.18882803813270901},{"text":"Do you think, nah.","start":890.41003,"end":891.29,"sentiment":"neutral","sentiment_score":0.03720549587160349}],"sentiment":"neutral","sentiment_score":0.1664192131297155,"num_words":33,"start":883.21,"end":891.29},{"sentences":[{"text":"We're peaking.","start":891.29,"end":891.93,"sentiment":"neutral","sentiment_score":0.06764471344649792},{"text":"We've hit the hit the trophy.","start":891.93,"end":893.37,"sentiment":"neutral","sentiment_score":0.20196315397818884},{"text":"We need to go to something else.","start":893.37,"end":894.825,"sentiment":"neutral","sentiment_score":-0.07358785505805697},{"text":"Let's do it.","start":894.985,"end":896.325,"sentiment":"neutral","sentiment_score":0.1491206462184588},{"text":"Yeah.","start":896.34503,"end":896.84503,"sentiment":"neutral","sentiment_score":0.2428976446390152}],"sentiment":"neutral","sentiment_score":0.08011647098158535,"num_words":19,"start":891.29,"end":896.84503},{"sentences":[{"text":"Yep.","start":902.265,"end":902.765,"sentiment":"neutral","sentiment_score":0.2863634526729584},{"text":"Great.","start":902.905,"end":903.405,"sentiment":"positive","sentiment_score":0.4791419506072998},{"text":"Yeah.","start":910.10504,"end":910.60504,"sentiment":"neutral","sentiment_score":0.04094200581312179},{"text":"Yep.","start":911.98,"end":912.48,"sentiment":"neutral","sentiment_score":0.08016441762447357},{"text":"Yep.","start":917.42,"end":917.66,"sentiment":"neutral","sentiment_score":0.08675803244113922}],"sentiment":"neutral","sentiment_score":0.19467397183179855,"num_words":5,"start":902.265,"end":917.66},{"sentences":[{"text":"Okay.","start":917.66,"end":918.16,"sentiment":"neutral","sentiment_score":0.13848178088665009},{"text":"Yep.","start":918.46,"end":918.86,"sentiment":"neutral","sentiment_score":0.21635377407073977},{"text":"Sweet.","start":918.86,"end":919.36,"sentiment":"neutral","sentiment_score":0.3236677646636963},{"text":"Mate, that last I suppose the last thing so you don't really need to see us.","start":919.98,"end":922.62,"sentiment":"neutral","sentiment_score":0.0573291948530823},{"text":"We just do our home line.","start":922.62,"end":923.985,"sentiment":"neutral","sentiment_score":0.0719549333055814}],"sentiment":"neutral","sentiment_score":0.08110000148415565,"num_words":25,"start":917.66,"end":923.985},{"sentences":[{"text":"Do what we're gonna do anyway with Grant, get it done, and then we just come see you as because it really doesn't change anything.","start":924.225,"end":931.105,"sentiment":"neutral","sentiment_score":0.16239882320165633},{"text":"You guys really aren't gonna say to us, I suppose, at the end of the day, oh, well, no.","start":931.105,"end":934.305,"sentiment":"neutral","sentiment_score":-0.061289876895515544},{"text":"You can't do that.","start":934.305,"end":935.265,"sentiment":"neutral","sentiment_score":-0.28798842430114746},{"text":"I mean, that you're not gonna say you know what I mean?","start":935.265,"end":937.425,"sentiment":"neutral","sentiment_score":-0.057638606832673155},{"text":"Like, we've got the home.","start":937.425,"end":939.23004,"sentiment":"neutral","sentiment_score":-0.03861523494124412}],"sentiment":"neutral","sentiment_score":0.013211842540364999,"num_words":65,"start":924.225,"end":939.23004},{"sentences":[{"text":"Yep.","start":946.73004,"end":947.23004,"sentiment":"neutral","sentiment_score":0.025485461577773098},{"text":"Yep.","start":949.77,"end":950.27,"sentiment":"neutral","sentiment_score":-0.003600900527089834},{"text":"Yep.","start":951.85004,"end":952.185,"sentiment":"neutral","sentiment_score":0.023761754855513573},{"text":"Yep.","start":958.025,"end":958.265,"sentiment":"neutral","sentiment_score":-0.13917618989944458},{"text":"Yeah.","start":958.265,"end":958.765,"sentiment":"neutral","sentiment_score":0.01611093059182167}],"sentiment":"neutral","sentiment_score":-0.015483788680285215,"num_words":5,"start":946.73004,"end":958.765},{"sentences":[{"text":"Nah.","start":959.065,"end":959.385,"sentiment":"neutral","sentiment_score":0.004716943949460983},{"text":"Well, it is, mate.","start":959.385,"end":960.265,"sentiment":"neutral","sentiment_score":0.05449602473527193},{"text":"Like, we're still and and that's the thing, mate.","start":960.265,"end":962.505,"sentiment":"neutral","sentiment_score":0.055612079385254115},{"text":"I don't we we might have that cash flow there to top it up.","start":962.505,"end":965.94,"sentiment":"neutral","sentiment_score":-0.25300667541367666},{"text":"Like you said, but at the end of the day, mate, I've got the income spike.","start":966.1,"end":969.7,"sentiment":"neutral","sentiment_score":-0.15246012003626674}],"sentiment":"neutral","sentiment_score":-0.11950558225031603,"num_words":44,"start":959.065,"end":969.7},{"sentences":[{"text":"I've got a bloody shutdown coming, like you know what I mean?","start":969.7,"end":973.54,"sentiment":"negative","sentiment_score":-0.41335340961813927},{"text":"I just wanna get the home loan preapproved probably shortly, I guess, and just get that so we know it's there.","start":973.54,"end":980.76,"sentiment":"neutral","sentiment_score":-0.0298681604188113},{"text":"Now the other the other thing is Grant's obviously gone into with us, mate, is obviously, we're in a redraw before, which is a lower interest rate going into offset, mate, but he's talking about, you know, depending on who we go with.","start":982.63495,"end":997.41,"sentiment":"neutral","sentiment_score":-0.016636993332636043},{"text":"We can have multiple offsets, which means, you know, Laura and I do multiple accounts.","start":997.97,"end":1002.05,"sentiment":"neutral","sentiment_score":0.01547822415207823},{"text":"So we have a savings account.","start":1002.05,"end":1003.49,"sentiment":"neutral","sentiment_score":0.02168697987993558}],"sentiment":"neutral","sentiment_score":-0.06124296655623991,"num_words":97,"start":969.7,"end":1003.49},{"sentences":[{"text":"We have a a which we're gonna get.","start":1003.49,"end":1006.12994,"sentiment":"neutral","sentiment_score":0.018610958941280842},{"text":"So we won't have the savings.","start":1006.12994,"end":1007.25,"sentiment":"neutral","sentiment_score":-0.0647739755610625},{"text":"So we have a holiday account.","start":1007.25,"end":1008.69,"sentiment":"neutral","sentiment_score":0.015219247589508692},{"text":"We have birthday accounts.","start":1008.69,"end":1011.185,"sentiment":"neutral","sentiment_score":0.03435951704159379},{"text":"We have Christmas accounts.","start":1011.185,"end":1012.46497,"sentiment":"neutral","sentiment_score":0.03282948676496744}],"sentiment":"neutral","sentiment_score":0.004296975675970316,"num_words":28,"start":1003.49,"end":1012.46497},{"sentences":[{"text":"Do you know what I mean?","start":1012.46497,"end":1013.185,"sentiment":"neutral","sentiment_score":-0.0031963673730691275},{"text":"We have all these different accounts.","start":1013.185,"end":1014.46497,"sentiment":"neutral","sentiment_score":0.003341094280282656},{"text":"So he's saying to us, well, let's go with a multiple offset option of, like, eight offsets or 10 offsets where you can still have all those accounts for your bills and that, but it's all offsetting against the line.","start":1014.46497,"end":1024.86,"sentiment":"neutral","sentiment_score":0.03432585641276091},{"text":"Yep.","start":1031.26,"end":1031.76,"sentiment":"neutral","sentiment_score":0.26345333456993103},{"text":"Yep.","start":1036.78,"end":1037.145,"sentiment":"neutral","sentiment_score":0.21260905265808103}],"sentiment":"neutral","sentiment_score":0.03425861120706907,"num_words":54,"start":1012.46497,"end":1037.145},{"sentences":[{"text":"Yep.","start":1037.145,"end":1037.645,"sentiment":"neutral","sentiment_score":0.2420303076505661},{"text":"Yep.","start":1042.025,"end":1042.525,"sentiment":"neutral","sentiment_score":0.19434678554534912},{"text":"Okay, mate.","start":1049.225,"end":1050.06,"sentiment":"neutral","sentiment_score":0.20002829283475876},{"text":"That's fine.","start":1050.14,"end":1050.54,"sentiment":"positive","sentiment_score":0.3498681038618088},{"text":"That's all I needed to hear, mate, because it's it's very hard to get your head around when I see numbers.","start":1050.54,"end":1055.04,"sentiment":"neutral","sentiment_score":-0.10646426624485425}],"sentiment":"neutral","sentiment_score":-0.025910359427884774,"num_words":27,"start":1037.145,"end":1055.04},{"sentences":[{"text":"I'm a bit of a numbers guy.","start":1055.26,"end":1057.4401,"sentiment":"neutral","sentiment_score":-0.2709002984421594},{"text":"So when I say, oh, but I've gotta pay that.","start":1058.06,"end":1059.9801,"sentiment":"neutral","sentiment_score":-0.1479870170354843},{"text":"But if I was and I am pretty disciplined, mate.","start":1059.9801,"end":1062.4601,"sentiment":"neutral","sentiment_score":0.050264388555660844},{"text":"But, I mean, if you need $10 tomorrow and you gotta pull it out of the redraw, you're gonna do it.","start":1062.4601,"end":1067.7251,"sentiment":"neutral","sentiment_score":0.01600502821661177},{"text":"Do you know what I mean?","start":1069.305,"end":1070.185,"sentiment":"neutral","sentiment_score":0.00100988040988644}],"sentiment":"neutral","sentiment_score":-0.04687710183120712,"num_words":54,"start":1055.26,"end":1070.185},{"sentences":[{"text":"Whereas with the offset, at least that's all been offsetting until I've needed to get do you know what I mean?","start":1070.185,"end":1074.905,"sentiment":"neutral","sentiment_score":-0.13638748157592046},{"text":"Everything else is still offsetting.","start":1074.905,"end":1076.3451,"sentiment":"neutral","sentiment_score":-0.31144741773605344},{"text":"I'm not touching all of that money, if that makes sense.","start":1076.3451,"end":1079.7001,"sentiment":"neutral","sentiment_score":-0.19075842269442297},{"text":"And that's what I mean.","start":1079.7001,"end":1080.74,"sentiment":"neutral","sentiment_score":-0.08167210966348648},{"text":"That's what I'm getting at with when you say be disciplined.","start":1080.74,"end":1083.38,"sentiment":"neutral","sentiment_score":0.030187476172365925}],"sentiment":"neutral","sentiment_score":-0.12445311626103127,"num_words":53,"start":1070.185,"end":1083.38},{"sentences":[{"text":"Like, at least if you got those other accounts there, they're still offsetting because you haven't touched the holiday account or whatever for that $10.","start":1083.38,"end":1089.78,"sentiment":"neutral","sentiment_score":-0.18170791879296302},{"text":"I might have pulled it out of the offset.","start":1089.78,"end":1091.06,"sentiment":"neutral","sentiment_score":-0.22335235940085518},{"text":"Do you know what I mean?","start":1091.06,"end":1091.985,"sentiment":"neutral","sentiment_score":-0.11697343364357948},{"text":"And that's it.","start":1092.145,"end":1097.6849,"sentiment":"neutral","sentiment_score":-0.20357752591371536},{"text":"Yep.","start":1102.3049,"end":1102.8049,"sentiment":"neutral","sentiment_score":0.019476184621453285}],"sentiment":"neutral","sentiment_score":-0.17831741362302142,"num_words":44,"start":1083.38,"end":1102.8049},{"sentences":[{"text":"Yep.","start":1103.105,"end":1103.605,"sentiment":"neutral","sentiment_score":0.06118933856487274},{"text":"Yep.","start":1108.31,"end":1108.39,"sentiment":"neutral","sentiment_score":0.03931602090597153},{"text":"Yep.","start":1108.39,"end":1108.89,"sentiment":"neutral","sentiment_score":0.05308082699775696},{"text":"Yep.","start":1116.79,"end":1117.29,"sentiment":"neutral","sentiment_score":0.007535282522439957},{"text":"Yep.","start":1117.67,"end":1118.17,"sentiment":"neutral","sentiment_score":0.002228501019999385}],"sentiment":"neutral","sentiment_score":0.032669994002208116,"num_words":5,"start":1103.105,"end":1118.17},{"sentences":[{"text":"Yeah.","start":1123.035,"end":1123.1951,"sentiment":"neutral","sentiment_score":-0.01082460954785347},{"text":"Well, you know what?","start":1123.1951,"end":1123.915,"sentiment":"neutral","sentiment_score":-0.053494601510465145},{"text":"And we gotta talk about that with Laura, mate, next.","start":1123.915,"end":1126.575,"sentiment":"neutral","sentiment_score":-0.10802668705582619},{"text":"We'll get through this financial year, but we really need to talk about that with her.","start":1126.955,"end":1131.115,"sentiment":"neutral","sentiment_score":-0.21287376759573817},{"text":"I think she owes, like, $6.","start":1131.115,"end":1132.8151,"sentiment":"neutral","sentiment_score":-0.2069536472360293}],"sentiment":"neutral","sentiment_score":-0.1608857311107017,"num_words":37,"start":1123.035,"end":1132.8151},{"sentences":[{"text":"So I think we need to wipe that debt.","start":1132.97,"end":1135.39,"sentiment":"neutral","sentiment_score":-0.26769965721501243},{"text":"And maybe we offset it for a year, like you said, then pay it.","start":1137.13,"end":1140.51,"sentiment":"neutral","sentiment_score":-0.040996539273432324},{"text":"Yep.","start":1146.995,"end":1147.495,"sentiment":"neutral","sentiment_score":-0.07447207719087601},{"text":"Yep.","start":1148.835,"end":1149.335,"sentiment":"neutral","sentiment_score":-0.10465895384550096},{"text":"Yep.","start":1151.235,"end":1151.735,"sentiment":"neutral","sentiment_score":-0.01948247291147709}],"sentiment":"neutral","sentiment_score":-0.12237930648888533,"num_words":26,"start":1132.97,"end":1151.735},{"sentences":[{"text":"Yep.","start":1151.955,"end":1152.455,"sentiment":"neutral","sentiment_score":-0.008337183855473995},{"text":"Yeah.","start":1153.875,"end":1154.2749,"sentiment":"neutral","sentiment_score":-0.002508290112018585},{"text":"Yeah.","start":1154.2749,"end":1154.595,"sentiment":"neutral","sentiment_score":0.0009192973375320436},{"text":"Yeah.","start":1154.595,"end":1154.835,"sentiment":"neutral","sentiment_score":-0.0033923108130693436},{"text":"Well, I've gotta I've gotta have some money to solve for that, mate, because with the man, I would assume whatever they're gonna come after me.","start":1154.835,"end":1161.09,"sentiment":"neutral","sentiment_score":-0.14970845012710646}],"sentiment":"neutral","sentiment_score":-0.13019127302492658,"num_words":30,"start":1151.955,"end":1161.09},{"sentences":[{"text":"So yep.","start":1161.25,"end":1163.27,"sentiment":"neutral","sentiment_score":0.1284135077148676},{"text":"Which we it's look.","start":1163.33,"end":1164.85,"sentiment":"neutral","sentiment_score":0.11862634308636189},{"text":"It's that's fine, Tommy.","start":1164.85,"end":1165.97,"sentiment":"positive","sentiment_score":0.3611462451517582},{"text":"Like, you know, like we just said last time, mate, if they come in if you're paying tax, mate, you're making money.","start":1165.97,"end":1170.87,"sentiment":"neutral","sentiment_score":0.1907340311868624},{"text":"If you're getting it back, you weren't really making that much, were you?","start":1170.9299,"end":1173.99,"sentiment":"neutral","sentiment_score":0.014791376315630399}],"sentiment":"neutral","sentiment_score":0.1458745321465863,"num_words":45,"start":1161.25,"end":1173.99},{"sentences":[{"text":"So yep.","start":1174.0499,"end":1178.885,"sentiment":"neutral","sentiment_score":0.12988347932696342},{"text":"Yes.","start":1180.385,"end":1180.885,"sentiment":"neutral","sentiment_score":0.09569482505321504},{"text":"Yes.","start":1182.545,"end":1182.9451,"sentiment":"neutral","sentiment_score":0.1968857049942017},{"text":"And that's that's where I need you guys, I suppose, now more than ever is to start to make that seem more streamlined.","start":1182.9451,"end":1190.39,"sentiment":"positive","sentiment_score":0.334555825461512},{"text":"So, mate, once we get set up with these like, you've just given me the advice with the offsets, so that's good, mate.","start":1190.39,"end":1196.47,"sentiment":"neutral","sentiment_score":0.25403885543346405}],"sentiment":"neutral","sentiment_score":0.28180050298571585,"num_words":50,"start":1174.0499,"end":1196.47},{"sentences":[{"text":"We know that we wanna have multiple offsets.","start":1196.47,"end":1198.15,"sentiment":"neutral","sentiment_score":0.1367083890363574},{"text":"Once we get all those accounts sorted, mate, I'll literally bring in a printout of our bank statement.","start":1198.15,"end":1203.475,"sentiment":"neutral","sentiment_score":0.11766544522510634},{"text":"Do you know what I mean?","start":1203.475,"end":1204.355,"sentiment":"neutral","sentiment_score":0.06997169305880864},{"text":"And go, these are the numbers.","start":1204.355,"end":1205.735,"sentiment":"neutral","sentiment_score":0.10476770500342052},{"text":"That's all that's sitting there, mate.","start":1205.7949,"end":1207.315,"sentiment":"neutral","sentiment_score":0.18083552146951357}],"sentiment":"neutral","sentiment_score":0.12147942371666431,"num_words":44,"start":1196.47,"end":1207.315},{"sentences":[{"text":"Tell me how to make that work more efficiently if you can.","start":1207.315,"end":1210.455,"sentiment":"neutral","sentiment_score":0.2065420038998127},{"text":"Yes.","start":1217.62,"end":1218.12,"sentiment":"neutral","sentiment_score":0.2277354598045349},{"text":"Yep.","start":1220.98,"end":1221.48,"sentiment":"neutral","sentiment_score":0.21138440072536469},{"text":"Yes.","start":1221.86,"end":1222.36,"sentiment":"neutral","sentiment_score":0.2300134599208832},{"text":"Great.","start":1224.34,"end":1224.84,"sentiment":"positive","sentiment_score":0.4877182841300965}],"sentiment":"neutral","sentiment_score":0.22720972821116447,"num_words":16,"start":1207.315,"end":1224.84},{"sentences":[{"text":"Yeah.","start":1225.3,"end":1225.8,"sentiment":"neutral","sentiment_score":0.13152176141738892},{"text":"Oh, 100%, mate.","start":1227.14,"end":1228.5,"sentiment":"neutral","sentiment_score":0.23681522905826569},{"text":"I get that.","start":1228.5,"end":1229.4,"sentiment":"neutral","sentiment_score":0.2277397314707438},{"text":"Yep.","start":1233.265,"end":1233.765,"sentiment":"positive","sentiment_score":0.36040982604026794},{"text":"Yeah.","start":1234.305,"end":1234.705,"sentiment":"positive","sentiment_score":0.4493791162967682}],"sentiment":"neutral","sentiment_score":0.25944173170460594,"num_words":9,"start":1225.3,"end":1234.705},{"sentences":[{"text":"Oh, 100%, mate.","start":1234.705,"end":1235.585,"sentiment":"positive","sentiment_score":0.5115891893704733},{"text":"And like you said, it's a lot it's all a long term thing, Tommy, all this.","start":1235.585,"end":1239.205,"sentiment":"positive","sentiment_score":0.4057951979339123},{"text":"You know, I'm not I'm not looking to get rich tomorrow, mate.","start":1239.505,"end":1242.325,"sentiment":"neutral","sentiment_score":0.07096665166318417},{"text":"You know?","start":1242.705,"end":1242.945,"sentiment":"neutral","sentiment_score":0.07086098566651344},{"text":"And yeah, I say that, mate, but in a lot of ways, I already am, mate.","start":1242.945,"end":1246.4199,"sentiment":"neutral","sentiment_score":0.323434853926301}],"sentiment":"neutral","sentiment_score":0.28970959569726673,"num_words":49,"start":1234.705,"end":1246.4199},{"sentences":[{"text":"I've got two beautiful kids with a happy and healthy mate or wife and and getting a brand new home, so I can't winch, mate.","start":1246.4199,"end":1251.74,"sentiment":"positive","sentiment_score":0.6450673806667327},{"text":"So at all, in the current environment, you know, some poor buggers, I feel very sorry for them.","start":1251.74,"end":1257.02,"sentiment":"neutral","sentiment_score":-0.29431049360169304},{"text":"But, yeah, it's about doing what you can with what you get, you know, what you're able to achieve with it, I suppose, mate.","start":1257.02,"end":1263.555,"sentiment":"neutral","sentiment_score":0.3036235508819421},{"text":"And that's all.","start":1263.555,"end":1263.9551,"sentiment":"neutral","sentiment_score":0.19553274909655252},{"text":"I just wanna maximize what we do for our kids, mate, moving forward.","start":1263.9551,"end":1268.1951,"sentiment":"positive","sentiment_score":0.5037861581032093}],"sentiment":"neutral","sentiment_score":0.30423950789922694,"num_words":83,"start":1246.4199,"end":1268.1951},{"sentences":[{"text":"Laura and I will be fine.","start":1268.1951,"end":1269.395,"sentiment":"neutral","sentiment_score":0.28300856550534564},{"text":"We're already fine.","start":1269.395,"end":1270.6151,"sentiment":"positive","sentiment_score":0.39315564433733624},{"text":"Yep.","start":1271.16,"end":1271.66,"sentiment":"neutral","sentiment_score":0.3256473243236542},{"text":"So that's that's sort of where we're at, mate.","start":1271.8,"end":1273.88,"sentiment":"neutral","sentiment_score":0.2933448950449626},{"text":"But you go and enjoy having your third child or second child?","start":1273.88,"end":1277.5,"sentiment":"neutral","sentiment_score":0.3134724075595538}],"sentiment":"neutral","sentiment_score":0.30983672891893693,"num_words":31,"start":1268.1951,"end":1277.5},{"sentences":[{"text":"Third, mate.","start":1279.0801,"end":1279.9601,"sentiment":"neutral","sentiment_score":0.07266461849212646},{"text":"You're a braver man than me.","start":1279.9601,"end":1281.5801,"sentiment":"neutral","sentiment_score":0.19993928695718446},{"text":"A 100 percent, mate.","start":1290.335,"end":1291.715,"sentiment":"neutral","sentiment_score":0.2684645280241966},{"text":"Yeah.","start":1292.175,"end":1292.495,"sentiment":"neutral","sentiment_score":0.0403253398835659},{"text":"Yeah.","start":1292.495,"end":1292.8151,"sentiment":"neutral","sentiment_score":0.021530630066990852}],"sentiment":"neutral","sentiment_score":0.17719136005533592,"num_words":14,"start":1279.0801,"end":1292.8151},{"sentences":[{"text":"I mean, they put in they put in a expensive red wine, mate, in the carafe, and you're sitting there thinking, yeah.","start":1292.8151,"end":1297.6951,"sentiment":"neutral","sentiment_score":-0.019270500718531283},{"text":"This is what I mean.","start":1297.6951,"end":1298.91,"sentiment":"neutral","sentiment_score":-0.10504810512065887},{"text":"You little buggers keep feeding me.","start":1298.99,"end":1300.67,"sentiment":"neutral","sentiment_score":-0.22770124673843384},{"text":"Yeah.","start":1300.67,"end":1301.17,"sentiment":"neutral","sentiment_score":0.07326148450374603},{"text":"Alright, dude.","start":1305.23,"end":1306.2101,"sentiment":"neutral","sentiment_score":0.29591837525367737}],"sentiment":"neutral","sentiment_score":-0.045841688523069024,"num_words":36,"start":1292.8151,"end":1306.2101},{"sentences":[{"text":"Alright, mate.","start":1306.35,"end":1306.91,"sentiment":"neutral","sentiment_score":0.17352385073900223},{"text":"So do you just wanna touch base with us?","start":1306.91,"end":1309.01,"sentiment":"neutral","sentiment_score":0.1209633093741205},{"text":"Do you just wanna touch base with us in July, like, a week week before you wanna see us?","start":1309.79,"end":1313.885,"sentiment":"neutral","sentiment_score":0.13973851913684293},{"text":"So then that way, at least, I can go to Laura.","start":1313.885,"end":1316.045,"sentiment":"neutral","sentiment_score":0.1346877081827684},{"text":"Right?","start":1316.045,"end":1316.205,"sentiment":"neutral","sentiment_score":0.07799074798822403}],"sentiment":"neutral","sentiment_score":0.13453106874866144,"num_words":42,"start":1306.35,"end":1316.205},{"sentences":[{"text":"We're gonna come.","start":1316.205,"end":1317.085,"sentiment":"neutral","sentiment_score":0.11692226429780324},{"text":"We gotta go in a week.","start":1317.085,"end":1318.385,"sentiment":"neutral","sentiment_score":0.09109958757956822},{"text":"Right.","start":1322.365,"end":1322.865,"sentiment":"neutral","sentiment_score":0.05686850845813751},{"text":"Fantastic, mate.","start":1327.63,"end":1328.77,"sentiment":"positive","sentiment_score":0.696930855512619},{"text":"Yeah.","start":1333.63,"end":1333.95,"sentiment":"neutral","sentiment_score":0.17692610621452332}],"sentiment":"neutral","sentiment_score":0.19423235723605523,"num_words":13,"start":1316.205,"end":1333.95},{"sentences":[{"text":"Yeah.","start":1333.95,"end":1334.27,"sentiment":"positive","sentiment_score":0.35207539796829224},{"text":"Nice.","start":1334.27,"end":1334.77,"sentiment":"positive","sentiment_score":0.6579658389091492},{"text":"Absolutely, mate.","start":1334.83,"end":1335.71,"sentiment":"positive","sentiment_score":0.7872873544692993},{"text":"And I hope everything goes really well there, mate.","start":1335.71,"end":1337.87,"sentiment":"positive","sentiment_score":0.8362315429581536},{"text":"And everyone's happy and healthy and all the rest of it, mate.","start":1337.87,"end":1340.43,"sentiment":"positive","sentiment_score":0.8061235547065735}],"sentiment":"positive","sentiment_score":0.7913672995567321,"num_words":25,"start":1333.95,"end":1340.43},{"sentences":[{"text":"All the best with that.","start":1340.43,"end":1341.65,"sentiment":"positive","sentiment_score":0.7818834900856018},{"text":"Will do, buddy.","start":1345.135,"end":1346.195,"sentiment":"positive","sentiment_score":0.7183031638463339},{"text":"Take it easy, mate.","start":1346.255,"end":1347.215,"sentiment":"positive","sentiment_score":0.7275285422801971},{"text":"Thanks, Tommy.","start":1347.215,"end":1347.955,"sentiment":"positive","sentiment_score":0.7517897188663483},{"text":"See you, mate.","start":1349.455,"end":1350.015,"sentiment":"positive","sentiment_score":0.4260292549928029}],"sentiment":"positive","sentiment_score":0.6915357831646415,"num_words":17,"start":1340.43,"end":1350.015},{"sentences":[{"text":"Bye.","start":1350.015,"end":1350.515,"sentiment":"neutral","sentiment_score":-0.09430445730686188}],"sentiment":"neutral","sentiment_score":-0.09430445730686188,"num_words":1,"start":1350.015,"end":1350.515}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Blake speaking.\n\nChannel 0: Morning, Blake. Tommy here from. How are you doing?\n\nChannel 1: Good, mate. Mate, I am so sorry. We have we've obviously booked this, mate, not thinking about school holidays for a start.\n\nChannel 0: The perfect time\n\nChannel 1: Didn't\n\nChannel 0: of year\n\nChannel 1: even\n\nChannel 0: too.\n\nChannel 1: factor it in, mate. We've got two kids at home. We can't come in with the girls and chat. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: And the\n\nChannel 0: No.\n\nChannel 1: other\n\nChannel 0: That's\n\nChannel 1: thing\n\nChannel 0: fair.\n\nChannel 1: is, mate, we've had a couple of developments in our property, mate. So we've actually extended our lease at our current rental, mate, till the June\n\nChannel 0: Okay.\n\nChannel 1: and\n\nChannel 0: Alright.\n\nChannel 1: got confirmation with the builder that we could settle on June 30.\n\nChannel 0: Oh, wow.\n\nChannel 1: Yeah. Because, mate, we're just getting buggerized around too much. You know what I mean? So we needed a\n\nChannel 0: Yeah.\n\nChannel 1: firm date to make sure we had somewhere to live.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. So that sort of changed a little bit, mate. We we have spoken to Grant. He has come over, mate. Grant's given us a few different options in mortgage.\n\nYou know what I mean?\n\nChannel 0: Yep.\n\nChannel 1: How\n\nChannel 0: Yep.\n\nChannel 1: we can sort of structure that, mate. Mate, that probably looks numbers wise, mate, to be around 1.1 now because we're gonna keep some money aside, mate. We'll chat to you about what we're gonna do when we come and see you anyway, mate.\n\nChannel 0: Yeah. Yeah. So do you wanna kinda push it back to after, like, in July then?\n\nChannel 1: Well, no. No. No. No. I'm thinking that we oh, okay.\n\nSo you're thinking after we have the mortgage done and everything, you don't need us to see us before that for anything?\n\nChannel 0: Well, the only thing that we were gonna do before that is if we needed to do anything, like, end of financial year contributions before June\n\nChannel 1: Yeah.\n\nChannel 0: '30. That\n\nChannel 1: And\n\nChannel 0: was\n\nChannel 1: I might\n\nChannel 0: the only\n\nChannel 1: I I I just don't think, mate, in the current climate, you know, with everything going on that I wanna put another 30 odd grand in that at the moment unless you guys really think that it's gonna make a huge difference.\n\nChannel 0: No. The the investment switches we did of of paying off dividends, and the supers\n\nChannel 1: Yep.\n\nChannel 0: bounced back really good the last\n\nChannel 1: I\n\nChannel 0: two\n\nChannel 1: know,\n\nChannel 0: weeks.\n\nChannel 1: mate.\n\nChannel 0: So\n\nChannel 1: I've seen\n\nChannel 0: I\n\nChannel 1: it. I've seen what you've done, and I'm very impressed. So\n\nChannel 0: thank you. Thank you.\n\nChannel 1: yes. Very\n\nChannel 0: No.\n\nChannel 1: impressed.\n\nChannel 0: It's not necessary to try and catch this financial year kind of thing because\n\nChannel 1: Yeah.\n\nChannel 0: if everything's developing and settling next financial year, give yourself some breathing room to\n\nChannel 1: Absolutely,\n\nChannel 0: plan out the\n\nChannel 1: mate.\n\nChannel 0: cash flow, the\n\nChannel 1: Yep.\n\nChannel 0: debt management side. And then if\n\nChannel 1: Yep.\n\nChannel 0: there's leftover that we wanna use, we've got\n\nChannel 1: Yes.\n\nChannel 0: a whole financial year to do it.\n\nChannel 1: Yeah. And, mate, I'll be up front with you, mate. We I went and put some I just put a thousand dollars, mate, on a new Volkswagen truck recently\n\nChannel 0: Yeah. Cool.\n\nChannel 1: just because, mate, it's a it's a walk inshore one, mate, so it's basically a limited edition model.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Alright.\n\nChannel 1: it's only a thousand dollars, mate, at the moment. We haven't committed to it either way, but I wanted to that won't be ready till, like, September. So I wanted to run the numbers with you guys. Do we just pay for this thing? Is it out of our reach?\n\nDo we do it through a lease? You know, what how's this gonna look, obviously, with what you just spoke about, cash flow wise?\n\nChannel 0: Yeah.\n\nChannel 1: Because, obviously, we're gonna have I don't know, mate. My my I don't know what your thoughts are about this interest rate thing, mate, but it it's sort of gonna be a bit of a funny one to me because they can only go so hard.\n\nChannel 0: Yeah. You're right. Before it all\n\nChannel 1: Before\n\nChannel 0: starts cracking\n\nChannel 1: they're gonna\n\nChannel 0: and\n\nChannel 1: cripple\n\nChannel 0: creaking.\n\nChannel 1: the the\n\nChannel 0: Yeah.\n\nChannel 1: Australian economy anyway, mate. Banks aren't gonna wanna want that to happen because if everyone starts to go on mortgages, well, where did\n\nChannel 0: Yep.\n\nChannel 1: that leave them?\n\nChannel 0: Yep. Exactly right. Like, there's a they're balancing on the fence at the moment because\n\nChannel 1: That's right.\n\nChannel 0: they're trying to push it. It's it's always the same story at the moment. The last ten\n\nChannel 1: Yeah.\n\nChannel 0: years, it's inflation's pushing up, so we've got to do this, but then it's gonna\n\nChannel 1: Yeah.\n\nChannel 0: cripple the economy. So they bounce left, right, left, right. I think they're just hoping something sorts itself out in the background because they they they snooker themselves\n\nChannel 1: Yep.\n\nChannel 0: is how\n\nChannel 1: They\n\nChannel 0: I\n\nChannel 1: have.\n\nChannel 0: would describe it.\n\nChannel 1: Yeah. Oh, I I agree with you, mate. They've gone too hard\n\nChannel 0: Yeah.\n\nChannel 1: with everything. They they they've let everything else come up, and they haven't factored in. And, mate, I mean, you know what I do for a living, I have to tell you. Look at it. Look at what's going on there.\n\nChannel 0: Yeah.\n\nChannel 1: Kinda ridiculous. Like, we\n\nChannel 0: Inside.\n\nChannel 1: we don't even have to be in this position if we don't do what we've done years ago, and we just keep letting everything go. And now we're all paying for it. So\n\nChannel 0: Yeah.\n\nChannel 1: it's just madness. Like so my my yeah. My sort of thing is, mate, I don't reckon they can go more than a couple more because I know that they're gonna they're gonna push people over the edge.\n\nChannel 0: That's, I think, all they're they're hoping to do is they're saying, okay. Inflation's ticking up. We'll do another one or two, then the\n\nChannel 1: Yep.\n\nChannel 0: data will come in that everyone's getting crippled by it. So then we'll lower it a bit, and that\n\nChannel 1: Yep.\n\nChannel 0: just buys them time. That's all they're doing is just buying time.\n\nChannel 1: Yeah. That that's my way of thinking too, mate. I mean, it's not gonna cripple Laura and I. We're in\n\nChannel 0: Yeah.\n\nChannel 1: a in a different position. And, obviously, with the wage I'm on, mate, I've just gone senior operator, so I've gone to $2.40 a year now.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: So I've kicked that up to there now, and that's plus over time, mate. They've got this shutdown coming at some stage, mate, so we'll be making a bit of money out of that and whatever. So I suppose I just what I really wanna do is sit down and not here. How do we keep our lifestyle where we've got it without\n\nChannel 0: Yep.\n\nChannel 1: putting ourselves under financial stress? Do you know what I mean? By doing anything else that may be too much for us. Do you know what I mean? So having a good honest chat about it and going, right, how do we do all of this?\n\nChannel 0: Yeah. Keep your stable base there so you're not affecting the lifestyle if something\n\nChannel 1: Yeah.\n\nChannel 0: changes in politically\n\nChannel 1: Yep.\n\nChannel 0: or economically. And\n\nChannel 1: That's\n\nChannel 0: then if\n\nChannel 1: alright.\n\nChannel 0: there's things you can do that are low risk, not\n\nChannel 1: Yes.\n\nChannel 0: low risk, but you know what I mean, just\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: I do,\n\nChannel 0: gonna\n\nChannel 1: mate. Oh,\n\nChannel 0: impact\n\nChannel 1: look, mate.\n\nChannel 0: you.\n\nChannel 1: And yeah. And I've been doing a bit of research on YouTube, mate, just looking about that debt recycling that we discussed just to understand it.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And I'm I'm sort of got getting my head around it, mate, now that, you know, it's basically from what I watched, and I just looked at it in the housing scenario. You know, you got 200 k yourself. You got a house that's worth 800 k. You take your 200 k out. You use that to buy the next house, and then you recycle when you when you recycle that, then you can recycle that back from the other property Because it's a tax break on the first one, isn't it?\n\nChannel 0: What you're trying to do is you're trying to pump up as much investment deductible debt as possible\n\nChannel 1: Yes.\n\nChannel 0: and minimize all the consumer debt. Because what most people fall into the trap of doing is\n\nChannel 1: Yep.\n\nChannel 0: upgrade home, upgrade home, and their PPR is their biggest debt, which\n\nChannel 1: Yep.\n\nChannel 0: is not deductible. And it's\n\nChannel 1: No.\n\nChannel 0: about balancing those loans so that it's all on the investments. You get the\n\nChannel 1: Yes.\n\nChannel 0: maximum deductions, and then the cash flow is helping to pay it off. And\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: That's\n\nChannel 0: do it\n\nChannel 1: that's\n\nChannel 0: with\n\nChannel 1: what\n\nChannel 0: properties.\n\nChannel 1: we need\n\nChannel 0: You\n\nChannel 1: to\n\nChannel 0: do\n\nChannel 1: try\n\nChannel 0: it with\n\nChannel 1: and\n\nChannel 0: shares.\n\nChannel 1: look at doing, don't we?\n\nChannel 0: Mhmm. Absolutely.\n\nChannel 1: To try and get our debt down on on our actual property in Paradise Point because that's the goal.\n\nChannel 0: Yeah. And I think that's kind of gonna be a good three to five year idea where\n\nChannel 1: Yes.\n\nChannel 0: once you're all settled into it, let's just go every quarter, six months, twelve months, whatever it is,\n\nChannel 1: Yep. Yep.\n\nChannel 0: smash out this much, convert it, smash out this much, convert\n\nChannel 1: Oh,\n\nChannel 0: it,\n\nChannel 1: mate.\n\nChannel 0: and then\n\nChannel 1: That\n\nChannel 0: eventually,\n\nChannel 1: sounds great to me. Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Yep. And convert\n\nChannel 0: get it\n\nChannel 1: and\n\nChannel 0: at a\n\nChannel 1: keep\n\nChannel 0: time.\n\nChannel 1: converting it around, mate, on top of what we're putting in on top. Do you know what I mean? And you I suppose that's the conversation too when we see you is, how do I use my overtime money wisely? Because we don't need that money as such. We can\n\nChannel 0: Yeah.\n\nChannel 1: live comfortably what we already got. So how do we use that wisely? I understand that I might put some money away for, like, a holiday or you know what I mean? Go off. Got that.\n\nI'll put a bit away in holiday account or whatever, but still a a port a good portion of that's always gonna go against the mortgage. But is that the best spot to be putting it, or do we use it somewhere else? Do you know what I mean? Or is\n\nChannel 0: Yeah.\n\nChannel 1: that we use that money for your investment sort of things like you know, like, I'm trying to figure out how you guys think we can best use that.\n\nChannel 0: And it depends too on I guess the conversation will have to be how long that's gonna go for because if it's something where we're just trying to utilize it for one burst\n\nChannel 1: Yep.\n\nChannel 0: for one financial year, then we might treat it a bit differently than if we\n\nChannel 1: Yep.\n\nChannel 0: were trying to build up to that three to five year recycle.\n\nChannel 1: Yep. Yep. Well, I see, mate, it's always gonna be there. There's always gonna\n\nChannel 0: Yeah.\n\nChannel 1: be a need for it. That the refineries,\n\nChannel 0: Awesome.\n\nChannel 1: and it is never ever not gonna be a time where there isn't any. Do you know what I mean? Yeah.\n\nChannel 0: Yeah. Awesome. No. That's cool. I reckon once we get because I'm I'm about to click off in June for a bit of leave when the baby\n\nChannel 1: Yes. That's\n\nChannel 0: comes.\n\nChannel 1: right. Yep.\n\nChannel 0: So July, I'm back full force.\n\nChannel 1: Okay.\n\nChannel 0: Once we've got a bit more idea of what's going on, we'll have a bit\n\nChannel 1: Yep.\n\nChannel 0: of a sit down. Let's not do\n\nChannel 1: Yep.\n\nChannel 0: anything crazy with contributions this financial year. It was just to make sure that if you'd already settled into the property, there was heaps of cash there, and we had to try and minimize the taxes that we could jump onto it before we lost the opportunity.\n\nChannel 1: No.\n\nChannel 0: If we\n\nChannel 1: Yep.\n\nChannel 0: don't need to, we can put a pause on that and focus more on that debt management strategy.\n\nChannel 1: Yes. Yeah. Perfect, mate. Because we will look, mate, on and to be up front we did too, mate, we ended up with about 960 odd thousand in the end in our own hands.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then, mate, I've already Laura and I have already put another thirteen or fourteen thousand away plus the amount of money that we have earning interest, which is about $3 for the first month on that money. So we're getting a high interest account at the moment and just using that up until we get to the property. So I'm hoping to have maybe 50 or $60 of our own money, if that makes sense. But\n\nChannel 0: Yep. Yep. I'm with you.\n\nChannel 1: we can't\n\nChannel 0: Just\n\nChannel 1: actually\n\nChannel 0: press you\n\nChannel 1: do\n\nChannel 0: over\n\nChannel 1: the loan.\n\nChannel 0: now.\n\nChannel 1: Yeah. Yeah. I'm just I'm hoping to try and get it to that mill, mate, so that just just gives Laura and I a bit of a buffer so we can get in the house, do the things that we need to do, like window coverings and all that. Plus, if I do the shutdown, mate, that's gonna be another big cash flow. So I can bank away some money there.\n\nYou know what I mean? And try and get some capital already, if that makes sense, even in a time when it's like\n\nChannel 0: It\n\nChannel 1: this.\n\nChannel 0: sounds bloody good. If you're if you can get the cash flow in the door when everything is going on the way it is, you're gonna be in\n\nChannel 1: Yep.\n\nChannel 0: a great position over the next couple of years to do all kinds of things. So\n\nChannel 1: Well,\n\nChannel 0: really\n\nChannel 1: that's what\n\nChannel 0: exciting.\n\nChannel 1: I'm trying to do, man. I'm trying to work really hard now and get as much out of it as I can while we're\n\nChannel 0: Yeah.\n\nChannel 1: in a in a position where we are because there's gonna be and, mate, I know nothing about markets like you guys, but all I know is one thing is if you combine the low, mate, and then watch the high come up, you're gonna get you're gonna do well.\n\nChannel 0: Yeah. Yep. Absolutely. And look, there's no there's no missed opportunities. There's always something.\n\nRight? There's\n\nChannel 1: Yeah.\n\nChannel 0: always another another global event that causes markets to go shaky, or there's a\n\nChannel 1: Yep.\n\nChannel 0: whole another sector that's always right for the pickings.\n\nChannel 1: Yeah.\n\nChannel 0: You know, people freak out that they missed the the gains after the global financial crisis. And then\n\nChannel 1: Correct.\n\nChannel 0: it's like you should have seen the gains after COVID bounce back was even\n\nChannel 1: That's\n\nChannel 0: sharper\n\nChannel 1: right. Yep.\n\nChannel 0: every five to seven years or something. So\n\nChannel 1: Yeah.\n\nChannel 0: and in between, there's opportunities as well. So we're not gonna miss anything. But,\n\nChannel 1: No.\n\nChannel 0: again, if we're if you're in a position where you've got the ammunition, we\n\nChannel 1: Yep.\n\nChannel 0: can make a good choice if there's something staring you right in the face to say, yep.\n\nChannel 1: Well,\n\nChannel 0: This\n\nChannel 1: that\n\nChannel 0: is\n\nChannel 1: that's\n\nChannel 0: the one\n\nChannel 1: what\n\nChannel 0: to\n\nChannel 1: I'm\n\nChannel 0: go for.\n\nChannel 1: that's what I'm sort of thinking, mate, and that's where you guys come into play. And that's why you haven't heard from me, mate, when all this has gone on because I've heard guys that manage their own super at work and that, mate, they're right into their financials, and they're the ones that are panicking more than anyone going, oh, you need to put it all in cash. I'm not well, to me, no. It's like you're gonna miss that opportunity on the other side. Like, if Warren Buffett says it, mate, and he's not worried at the moment, why is anyone else?\n\nChannel 0: The thing is, sir, I've been doing this for twelve years now, and I've looked back a hundred years worth of research, and the same panic sets in every single time. And the more I go through these events personally, the more nonchalant I get where\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: And I've\n\nChannel 0: should\n\nChannel 1: done the\n\nChannel 0: affect\n\nChannel 1: same thing\n\nChannel 0: me\n\nChannel 1: as\n\nChannel 0: more,\n\nChannel 1: you,\n\nChannel 0: but\n\nChannel 1: Tommy. I've looked into it properly and looked at the years years before, and every time this happens, the bounce back's huge. And if you don't and you have to be very good, mate, and wanna pull your cash out and get it in at the right time.\n\nChannel 0: Yeah. I don't\n\nChannel 1: Yeah. Have\n\nChannel 0: mind\n\nChannel 1: a look.\n\nChannel 0: dollar cost averaging. Like, if\n\nChannel 1: Yep.\n\nChannel 0: you get it out in time and\n\nChannel 1: Yep.\n\nChannel 0: it starts sliding $5.10, $15.20 percent and you're just chopping in every fortnight every month to gradually\n\nChannel 1: Yep. Yep.\n\nChannel 0: buy in, the fluctuations are great, and 20% down the market's always a buying opportunity. But to do it all the cash all back in, I've seen it go wrong nine times out of 10.\n\nChannel 1: Yeah. And that's the problem, mate. Yeah. That I oh, man. And that's why you haven't heard from Laura and I, mate.\n\nI've just been happy to let it sit.\n\nChannel 0: Yeah. And I'm not in the in the game of trying to day trade your super and time the market, mate. We're just trying to make sure that\n\nChannel 1: No.\n\nChannel 0: the options you're in over ten,\n\nChannel 1: Yep.\n\nChannel 0: twenty years are gonna have the\n\nChannel 1: That's\n\nChannel 0: best average.\n\nChannel 1: right. 100%, mate. And that's exactly what yeah. Exactly right, mate. And that's where I'm at with that, mate.\n\nIf we wanna do that, we'll go to a different level if we wanna play\n\nChannel 0: Yeah.\n\nChannel 1: that game. Yeah.\n\nChannel 0: Yeah. We're not trying to get rich in three years. We're trying to get\n\nChannel 1: No.\n\nChannel 0: to a retirement goal, which is a steady\n\nChannel 1: Correct.\n\nChannel 0: ship. The ship\n\nChannel 1: Absolutely.\n\nChannel 0: needs engine maintenance, and it needs a bit\n\nChannel 1: Yep.\n\nChannel 0: of a boost every now and\n\nChannel 1: A\n\nChannel 0: then.\n\nChannel 1: 100%, mate. Definitely. Definitely. And and one last thing, mate, before I go, don't stress about fuel, mate. There's plenty.\n\nChannel 0: Fair enough. That's\n\nChannel 1: Yeah.\n\nChannel 0: good\n\nChannel 1: It's\n\nChannel 0: to hear.\n\nChannel 1: just a demand thing, mate, not a supply thing at this point.\n\nChannel 0: Oh, cool. Alright.\n\nChannel 1: Alright? So don't don't yeah. It's all good, mate.\n\nChannel 0: Nah.\n\nChannel 1: The ships\n\nChannel 0: I haven't\n\nChannel 1: are booked\n\nChannel 0: got my\n\nChannel 1: and\n\nChannel 0: jerry cans to go. I only filled up one for the mower.\n\nChannel 1: yeah. And don't don't go buying EVs, mate, because that'll probably that'll probably bomb out at some stage too. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I don't I\n\nChannel 0: Well,\n\nChannel 1: don't know\n\nChannel 0: most\n\nChannel 1: where that's\n\nChannel 0: people.\n\nChannel 1: gonna land, mate, but everyone's panicking and buying them now, and then they're all gonna come under the next thing where it starts costing them money.\n\nChannel 0: Yep. Yep. And the thing is when it comes to the investments, those EVs, you remember that funds that was up, like,\n\nChannel 1: Yep.\n\nChannel 0: a 107% for the year?\n\nChannel 1: Yep.\n\nChannel 0: Like, it's peaked. Take your\n\nChannel 1: Yep.\n\nChannel 0: 100% return. Most\n\nChannel 1: Yep.\n\nChannel 0: people\n\nChannel 1: Yep.\n\nChannel 0: are happy with the 10%. Take your 100% and move it to something else before the cycle switches\n\nChannel 1: Yep.\n\nChannel 0: and the sector\n\nChannel 1: Yep.\n\nChannel 0: goes down. You know? Don't\n\nChannel 1: Yep.\n\nChannel 0: don't don't get greedy looking for 200%.\n\nChannel 1: No. Thank god. No, mate. And that's what we're in for a while with the lithium, weren't we? And then we we got we got it out.\n\nChannel 0: Yep. Exactly right.\n\nChannel 1: Yep.\n\nChannel 0: Got a nice\n\nChannel 1: Yeah.\n\nChannel 0: gain out of it, and then\n\nChannel 1: Exactly.\n\nChannel 0: it's time to switch out for a bit.\n\nChannel 1: 100%, mate. No. Totally agree, mate. And if there's anything in the future, mate, like that, which was I mean, we signed over to you guys anyway, feel free. Do you think, nah.\n\nWe're peaking. We've hit the hit the trophy. We need to go to something else. Let's\n\nChannel 0: Yeah.\n\nChannel 1: do it. Yeah.\n\nChannel 0: Absolutely. I'll keep an eye on it because we always have these chats with the investment committee and and the BlackRock guys as well,\n\nChannel 1: Yep.\n\nChannel 0: and they give\n\nChannel 1: Great.\n\nChannel 0: us a bit of an idea about, you know, main things at the moment, currency risk, US dollar, Australian dollar, inflation,\n\nChannel 1: Yeah.\n\nChannel 0: few things like that.\n\nChannel 1: Yep.\n\nChannel 0: Any big moves outside of that will be a signal to make some switches.\n\nChannel 1: Yep. Okay. Yep. Sweet. Mate, that last I suppose the last thing so you don't really need to see us.\n\nWe just do our home line. Do what we're gonna do anyway with Grant, get it done, and\n\nChannel 0: Yeah.\n\nChannel 1: then we just come\n\nChannel 0: 100\n\nChannel 1: see\n\nChannel 0: percent.\n\nChannel 1: you as because it really doesn't change anything. You guys really aren't gonna say to us, I suppose, at the end of the day, oh, well, no. You can't do that. I mean, that you're not gonna say you know what I mean? Like, we've\n\nChannel 0: No.\n\nChannel 1: got\n\nChannel 0: It\n\nChannel 1: the\n\nChannel 0: was\n\nChannel 1: home.\n\nChannel 0: mainly about making sure that you basically set up for that income surge, the settling into the house, and then\n\nChannel 1: Yep.\n\nChannel 0: possibly contributions before end of financial year. So if all that\n\nChannel 1: Yep.\n\nChannel 0: played out by April, then, yeah,\n\nChannel 1: Yep.\n\nChannel 0: we should probably talk about it for a couple of months before June 30. But if it's still gonna play out for a couple more months yet, there's no\n\nChannel 1: Yep.\n\nChannel 0: rush.\n\nChannel 1: Yeah. Nah. Well, it is, mate. Like, we're still and and that's the thing, mate. I don't we we might have that cash flow there to top it up.\n\nLike you said, but at the end of the day, mate, I've got the income spike. I've got a bloody shutdown coming, like you know what I mean? I just wanna get the home loan preapproved probably shortly, I guess,\n\nChannel 0: Yeah.\n\nChannel 1: and just get that so we know it's there. Now the other the other thing is Grant's obviously gone into with us, mate, is obviously, we're in a redraw before, which is a lower\n\nChannel 0: Yeah.\n\nChannel 1: interest rate\n\nChannel 0: Mhmm.\n\nChannel 1: going into offset, mate, but he's talking about, you know, depending on who we go with. We can have multiple offsets, which means, you know, Laura and I do multiple accounts. So we have a savings account. We have a a which we're gonna get. So we won't have the savings.\n\nSo we have a holiday account. We have birthday accounts. We have Christmas accounts. Do you know what I mean? We have all these different accounts.\n\nSo he's saying\n\nChannel 0: Yeah.\n\nChannel 1: to us, well, let's go with a multiple offset option of, like, eight offsets or 10 offsets where you can still have all those accounts for your bills and that, but it's all offsetting against the line.\n\nChannel 0: Yeah. It really does. Like, if you're the redraw is really good for discipline. When\n\nChannel 1: Yep.\n\nChannel 0: you've got the offsets, especially with the the the income you're looking to earn, if you're\n\nChannel 1: Yep.\n\nChannel 0: saving up,\n\nChannel 1: Yep.\n\nChannel 0: like you said, for holidays, investing, bills, everything, having\n\nChannel 1: Yep.\n\nChannel 0: it all offset the mortgage in six different accounts is gonna way outweigh the extra slight interest rate you get for the package.\n\nChannel 1: Okay, mate. That's fine. That's all I needed to hear, mate, because it's it's\n\nChannel 0: Yep.\n\nChannel 1: very hard to get your head around when I see numbers. I'm a bit of a numbers guy. So when I say, oh, but I've gotta pay that. But if I was and I am pretty disciplined, mate. But, I mean, if you need $10 tomorrow and you gotta pull it out of the redraw, you're gonna do it.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Do you know\n\nChannel 0: A\n\nChannel 1: what\n\nChannel 0: 100\n\nChannel 1: I mean?\n\nChannel 0: percent.\n\nChannel 1: Whereas with the offset, at least that's all been offsetting until I've needed to get do you know what I mean? Everything else is still offsetting. I'm not touching all of that money, if that makes sense. And that's what I mean. That's what I'm getting at with when you say be disciplined.\n\nLike, at least if you got those other accounts there, they're still offsetting because you haven't touched the holiday account or whatever for that $10. I might have pulled it out of the offset. Do you know what I mean? And that's\n\nChannel 0: That's the thing is most people that don't have the discipline, they can't save up for\n\nChannel 1: it.\n\nChannel 0: the holiday because they're too busy splurging on the coffee and the grog and the beers and the Skittles.\n\nChannel 1: Yep.\n\nChannel 0: If you're\n\nChannel 1: Yep.\n\nChannel 0: actually a person who can actually build up that $30 to go to Europe, then perfect. Offset it\n\nChannel 1: Yep. Yep.\n\nChannel 0: and let your your quarterly electricity bill go in there and and let everything go in there. I even did it with my my bloody hex debt.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: owe the government $8,000. I just let it offset the mortgage for the whole year, and then I paid it too.\n\nChannel 1: Yeah. Well, you know what? And\n\nChannel 0: Bugger.\n\nChannel 1: we gotta talk about that with Laura, mate, next. We'll get through this financial year, but we really need to talk about that with her. I think she owes, like, $6. So I think we need to wipe that debt.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: And maybe we offset it for a year, like you said, then pay it.\n\nChannel 0: Yeah. And it depends because my situation was, do I let it chop out of my income on a weekly basis and\n\nChannel 1: Yep.\n\nChannel 0: bleed it off to the government, or do I just\n\nChannel 1: Yep.\n\nChannel 0: pay them lump sum after twelve months? So just\n\nChannel 1: Yep.\n\nChannel 0: see what happens with\n\nChannel 1: Yep.\n\nChannel 0: your tax return as well.\n\nChannel 1: Yeah. Yeah. Yeah. Well, I've gotta I've gotta have some money to solve for that, mate, because with the man, I would assume whatever they're gonna come after me. So\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: yep. Which we it's look. It's that's fine, Tommy. Like, you know, like we just said last time, mate, if they come in if you're paying tax, mate, you're making money. If you're getting it back, you weren't really making that much, were you?\n\nChannel 0: Yeah. It's\n\nChannel 1: So\n\nChannel 0: just about making sure that when you're in that high tax environment that we start\n\nChannel 1: yep.\n\nChannel 0: making smart moves with it so that you come\n\nChannel 1: Yes.\n\nChannel 0: out the other end with something.\n\nChannel 1: Yes. And that's that's where I need you guys, I suppose, now more than ever is to start to make that seem more streamlined. So, mate, once we get set up with these like, you've just given me the advice with the offsets, so that's good, mate. We know that we wanna have multiple offsets. Once we get all those accounts sorted, mate, I'll literally bring in a printout of our bank statement.\n\nDo you know what I mean? And go, these are the\n\nChannel 0: Yes.\n\nChannel 1: numbers. That's all that's sitting there, mate. Tell me how to make that work more efficiently if you can.\n\nChannel 0: Yep. And then it's just a matter of every quarter, you see how your your cash flow and budgeting is working with all those offsets, and\n\nChannel 1: Yes.\n\nChannel 0: we'll have that three months, twelve months, five year goal.\n\nChannel 1: Yep.\n\nChannel 0: We'll\n\nChannel 1: Yes.\n\nChannel 0: just keep checking in on with each other and see how you\n\nChannel 1: Great.\n\nChannel 0: go because there'll be\n\nChannel 1: Yeah.\n\nChannel 0: adjustments you need to make,\n\nChannel 1: Oh,\n\nChannel 0: but\n\nChannel 1: 100%, mate. I get that.\n\nChannel 0: main direction is the main thing. If you if you get there 95%, you're still winning.\n\nChannel 1: Yep. Yeah. Oh, 100%, mate. And like you said, it's a lot it's all a long term thing, Tommy, all this. You know, I'm not I'm not looking to get rich tomorrow, mate.\n\nYou know? And yeah, I say that, mate, but in a lot of ways, I already am, mate. I've got two beautiful kids with a happy and healthy mate or wife and and getting a brand new home, so I can't winch, mate. So at all,\n\nChannel 0: Yeah.\n\nChannel 1: in the current environment, you know, some poor buggers, I feel very sorry for them. But, yeah, it's about doing what you can with what you get, you know, what you're able to achieve with it, I suppose, mate. And that's all. I just wanna maximize what we do for our kids, mate, moving forward. Laura and I will be fine.\n\nWe're already fine.\n\nChannel 0: Love\n\nChannel 1: Yep. So that's that's sort of where we're at, mate. But you go and enjoy having your third child or second child?\n\nChannel 0: it. Third.\n\nChannel 1: Third,\n\nChannel 0: Third.\n\nChannel 1: mate.\n\nChannel 0: Two\n\nChannel 1: You're\n\nChannel 0: boys\n\nChannel 1: a braver\n\nChannel 0: are now\n\nChannel 1: man\n\nChannel 0: in the water\n\nChannel 1: than\n\nChannel 0: on\n\nChannel 1: me.\n\nChannel 0: the line. Yeah. Look. I was kind of twisted into it, but I don't think I'll regret it at the end of the day when I'm 65 and every all the families are sitting around the table.\n\nChannel 1: A 100\n\nChannel 0: I'll\n\nChannel 1: percent,\n\nChannel 0: look back\n\nChannel 1: mate.\n\nChannel 0: and smile.\n\nChannel 1: Yeah. Yeah. I mean, they put in they put in a expensive red wine, mate, in the carafe, and you're sitting there thinking, yeah. This is what I mean. You little buggers\n\nChannel 0: Yep.\n\nChannel 1: keep feeding me. Yeah.\n\nChannel 0: That's exactly right, mate. No. Awesome. Excited\n\nChannel 1: Alright,\n\nChannel 0: for you.\n\nChannel 1: dude. Alright, mate. So do you just wanna touch base with us? Do you just wanna touch base with us in July, like, a week week before you wanna see us? So then that way, at least, I can go to Laura.\n\nRight? We're gonna come. We gotta go in a week.\n\nChannel 0: Yep. And I'll give you a bit of an idea of what to prepare for that, see\n\nChannel 1: Right.\n\nChannel 0: what sort of change and update it with you guys. I'll give you a buzz and just see some updates beforehand.\n\nChannel 1: Fantastic,\n\nChannel 0: I\n\nChannel 1: mate.\n\nChannel 0: will pretty much send you, like, a text and email when I'm back in the office after paternity leave, just\n\nChannel 1: Yeah.\n\nChannel 0: so you\n\nChannel 1: Yeah. Nice.\n\nChannel 0: know.\n\nChannel 1: Absolutely, mate. And I hope everything goes really well there, mate. And everyone's happy and healthy and all the rest of it, mate. All the best with that.\n\nChannel 0: Thanks very much, Blake, mate. You guys enjoy your school holidays,\n\nChannel 1: Will do, buddy. Take it easy, mate. Thanks, Tommy.\n\nChannel 0: See you later. Bye.\n\nChannel 1: See you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.0717334896326065},{"text":"Blake speaking.","start":0.96,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04918857105076313}],"sentiment":"neutral","sentiment_score":0.05670354391137759,"channel":1,"num_words":3,"start":0.48,"end":1.6999999},{"sentences":[{"text":"Morning, Blake.","start":2.24,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16283834725618362},{"text":"Tommy here from.","start":2.8799999,"end":3.78,"sentiment":"neutral","sentiment_score":0.21394692858060202},{"text":"How are you doing?","start":3.84,"end":4.74,"sentiment":"neutral","sentiment_score":0.2559206560254097}],"sentiment":"neutral","sentiment_score":0.2212444560395347,"channel":0,"num_words":9,"start":2.24,"end":4.74},{"sentences":[{"text":"Good, mate.","start":5.12,"end":5.7599998,"sentiment":"positive","sentiment_score":0.5440434664487839},{"text":"Mate, I am so sorry.","start":5.7599998,"end":7.22,"sentiment":"neutral","sentiment_score":-0.14769915044307708},{"text":"We have we've obviously booked this, mate, not thinking about school holidays for a start.","start":8.48,"end":13.219999,"sentiment":"neutral","sentiment_score":-0.24232593625783921}],"sentiment":"neutral","sentiment_score":-0.14933172105388207,"channel":1,"num_words":22,"start":5.12,"end":13.219999},{"sentences":[{"text":"The perfect time","start":14.495001,"end":15.215,"sentiment":"neutral","sentiment_score":0.32870490352312726}],"sentiment":"neutral","sentiment_score":0.32870490352312726,"channel":0,"num_words":3,"start":14.495001,"end":15.215},{"sentences":[{"text":"Didn't","start":15.185,"end":15.585,"sentiment":"neutral","sentiment_score":-0.21288004517555237}],"sentiment":"neutral","sentiment_score":-0.21288004517555237,"channel":1,"num_words":1,"start":15.185,"end":15.585},{"sentences":[{"text":"of 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No.","start_word":308,"end_word":357,"intents":[{"intent":"Discuss financial plans","confidence_score":0.023317853}]},{"text":"My my I don't know what your thoughts are about this interest rate thing, mate, but it it's sort of gonna be a bit of a funny one to me because they can only go so hard. Yeah.","start_word":604,"end_word":641,"intents":[{"intent":"Analyze interest rate","confidence_score":0.0708401}]},{"text":"Keep your stable base there so you're not affecting the lifestyle if something Yeah.","start_word":1121,"end_word":1134,"intents":[{"intent":"Maintain stability","confidence_score":0.0057389885}]},{"text":"And I've been doing a bit of research on YouTube, mate, just looking about that debt recycling that we discussed just to understand it. Yeah.","start_word":1179,"end_word":1203,"intents":[{"intent":"Explore debt recycling","confidence_score":0.038574558}]},{"text":"You use that to buy the next house, and then you recycle when you when you recycle that, then you can recycle that back from the other property Because it's a tax break on the first one, isn't it? What you're trying to do is you're trying to pump up as much investment deductible debt as possible Yes.","start_word":1258,"end_word":1315,"intents":[{"intent":"Recycle debt","confidence_score":0.084397264}]},{"text":"What you're trying to do is you're trying to pump up as much investment deductible debt as possible Yes. and minimize all the consumer debt.","start_word":1297,"end_word":1321,"intents":[{"intent":"Maximize debt","confidence_score":0.32681566}]},{"text":"You That's do it that's with what properties. we need You to do try it with and shares. look at doing, don't we? Mhmm.","start_word":1383,"end_word":1406,"intents":[{"intent":"Try things","confidence_score":0.0027639025}]},{"text":"To try and get our debt down on on our actual property in Paradise Point because that's the goal. Yeah.","start_word":1408,"end_word":1427,"intents":[{"intent":"Set goals","confidence_score":0.33756098}]},{"text":"smash out this much, convert it, smash out this much, convert Oh, it, mate.","start_word":1465,"end_word":1478,"intents":[{"intent":"Convert money","confidence_score":0.5288922}]},{"text":"anything crazy with contributions this financial year. It was just to make sure that if you'd already settled into the property, there was heaps of cash there, and we had to try and minimize the taxes that we could jump onto it before we lost the opportunity. No.","start_word":1837,"end_word":1884,"intents":[{"intent":"Maximize contributions","confidence_score":0.00020458197}]},{"text":"And then, mate, I've already Laura and I have already put another thirteen or fourteen thousand away plus the amount of money that we have earning interest, which is about $3 for the first month on that money. So we're getting a high interest account at the moment and just using that up until we get to the property. So I'm hoping to have maybe 50 or $60 of our own money, if that makes sense. But Yep.","start_word":1942,"end_word":2019,"intents":[{"intent":"Plan financial goals","confidence_score":0.011755223}]},{"text":"in a in a position where we are because there's gonna be and, mate, I know nothing about markets like you guys, but all I know is one thing is if you combine the low, mate, and then watch the high come up, you're gonna get you're gonna do well. Yeah.","start_word":2207,"end_word":2257,"intents":[{"intent":"Understand markets","confidence_score":0.004343642}]},{"text":"I've looked into it properly and looked at the years years before, and every time this happens, the bounce back's huge. And if you don't and you have to be very good, mate, and wanna pull your cash out and get it in at the right time. Yeah.","start_word":2571,"end_word":2618,"intents":[{"intent":"Analyze market dynamics","confidence_score":0.024861198}]},{"text":"needs engine maintenance, and it needs a bit Yep. of a boost every now and A then.","start_word":2835,"end_word":2851,"intents":[{"intent":"Update readiness","confidence_score":0.00011132608}]},{"text":"mainly about making sure that you basically set up for that income surge, the settling into the house, and then Yep. possibly contributions before end of financial year. So if all that Yep. played out by April, then, yeah, Yep. we should probably talk about it for a couple of months before June 30. But if it's still gonna play out for a couple more months yet, there's no Yep. rush. Yeah.","start_word":3331,"end_word":3402,"intents":[{"intent":"Discuss financial plans","confidence_score":0.098443255}]},{"text":"I just wanna get the home loan preapproved probably shortly, I guess, Yeah.","start_word":3459,"end_word":3471,"intents":[{"intent":"Preapproval home loan","confidence_score":0.28491664}]},{"text":"Now the other the other thing is Grant's obviously gone into with us, mate, is obviously, we're in a redraw before, which is a lower Yeah.","start_word":3481,"end_word":3506,"intents":[{"intent":"Explain redrawing process","confidence_score":0.0012174575}]},{"text":"So we have a savings account. We have a a which we're gonna get. So we won't have the savings.","start_word":3541,"end_word":3560,"intents":[{"intent":"Discuss savings account","confidence_score":0.005882179}]},{"text":"to us, well, let's go with a multiple offset option of, like, eight offsets or 10 offsets where you can still have all those accounts for your bills and that, but it's all offsetting against the line. Yeah.","start_word":3591,"end_word":3628,"intents":[{"intent":"Evaluate offset options","confidence_score":0.0013164027},{"intent":"Discuss investment options","confidence_score":0.01571019}]},{"text":"bleed it off to the government, or do I just Yep. pay them lump sum after twelve months? So just Yep.","start_word":4075,"end_word":4095,"intents":[{"intent":"Manage government budget and tax return","confidence_score":0.000009365499}]},{"text":"It's So just about making sure that when you're in that high tax environment that we start yep. making smart moves with it so that you come Yes.","start_word":4182,"end_word":4209,"intents":[{"intent":"Ensure quality tax decisions","confidence_score":0.000001230556}]},{"text":"Tell me how to make that work more efficiently if you can. Yep.","start_word":4308,"end_word":4320,"intents":[{"intent":"Ensure efficient handling of accounts","confidence_score":0.000023431741}]},{"text":"And then it's just a matter of every quarter, you see how your your cash flow and budgeting is working with all those offsets, and Yes.","start_word":4321,"end_word":4346,"intents":[{"intent":"Coordinate budgeting with offsets and budgeting","confidence_score":0.000019013509}]},{"text":"just keep checking in on with each other and see how you Great.","start_word":4360,"end_word":4372,"intents":[{"intent":"Maintain consistent monitoring with each other","confidence_score":0.00020220567}]},{"text":"I just wanna maximize what we do for our kids, mate, moving forward.","start_word":4528,"end_word":4540,"intents":[{"intent":"Maximize goals","confidence_score":0.10263922}]}]},"sentiments":{"segments":[{"text":"Hello. Blake speaking. Morning, Blake. Tommy here from. How are you doing?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.16849561035633087},{"text":"Good, mate.","start_word":12,"end_word":13,"sentiment":"positive","sentiment_score":0.531561017036438},{"text":"Mate, I am so sorry. We have we've obviously booked this, mate, not thinking about school holidays for a start. The perfect time Didn't of year even too. factor it in, mate. We've got two kids at home. We can't come in with the girls and chat. You know what I mean? Yeah. And the No. other That's thing fair. is, mate, we've had a couple of developments in our property, mate. So we've actually extended our lease at our current rental, mate, till the June Okay. and Alright. got confirmation with the builder that we could settle on June 30. Oh, wow. Yeah. Because, mate, we're just getting buggerized around too much. You know what I mean? So we needed a Yeah. firm date to make sure we had somewhere to live. Okay. Yeah. So that sort of changed a little bit, mate. We we have spoken to Grant. He has come over, mate. Grant's given us a few different options in mortgage. You know what I mean? Yep. How Yep. we can sort of structure that, mate. Mate, that probably looks numbers wise, mate, to be around 1.1 now because we're gonna keep some money aside, mate. We'll chat to you about what we're gonna do when we come and see you anyway, mate. Yeah. Yeah. So do you wanna kinda push it back to after, like, in July then? Well, no. No. No. No. I'm thinking that we oh, okay. So you're thinking after we have the mortgage done and everything, you don't need us to see us before that for anything? Well, the only thing that we were gonna do before that is if we needed to do anything, like, end of financial year contributions before June Yeah. '30. That And was I might the only I I I just don't think, mate, in the current climate, you know, with everything going on that I wanna put another 30 odd grand in that at the moment unless you guys really think that it's gonna make a huge difference. No. The the investment switches we did of of paying off dividends, and the supers Yep. bounced back really good the last I two know, weeks.","start_word":14,"end_word":381,"sentiment":"neutral","sentiment_score":-0.028432199007669544},{"text":"mate. So I've seen I it. I've seen what you've done, and I'm very impressed. So thank you. Thank you.","start_word":382,"end_word":401,"sentiment":"positive","sentiment_score":0.5978039503097534},{"text":"yes. Very No. impressed. It's not necessary to try and catch this financial year kind of thing because Yeah. if everything's developing and settling next financial year, give yourself some breathing room to Absolutely, plan out the mate. cash flow, the Yep. debt management side. And then if Yep. there's leftover that we wanna use, we've got Yes. a whole financial year to do it. Yeah. And, mate, I'll be up front with you, mate. We I went and put some I just put a thousand dollars, mate, on a new Volkswagen truck recently Yeah. Cool. just because, mate, it's a it's a walk inshore one, mate, so it's basically a limited edition model. Yeah. So Alright. it's only a thousand dollars, mate, at the moment. We haven't committed to it either way, but I wanted to that won't be ready till, like, September. So I wanted to run the numbers with you guys. Do we just pay for this thing? Is it out of our reach? Do we do it through a lease? You know, what how's this gonna look, obviously, with what you just spoke about, cash flow wise? Yeah. Because, obviously, we're gonna have I don't know, mate. My my I don't know what your thoughts are about this interest rate thing, mate, but it it's sort of gonna be a bit of a funny one to me because they can only go so hard. Yeah. You're right.","start_word":402,"end_word":642,"sentiment":"neutral","sentiment_score":-0.0076676396289801696},{"text":"Before it all Before starts cracking they're gonna and cripple creaking.","start_word":643,"end_word":653,"sentiment":"negative","sentiment_score":-0.4694967269897461},{"text":"the the Yeah. Australian economy anyway, mate. Banks aren't gonna wanna want that to happen because if everyone starts to go on mortgages, well, where did Yep. that leave them? Yep. Exactly right. Like, there's a they're balancing on the fence at the moment because That's right. they're trying to push it. It's it's always the same story at the moment. The last ten Yeah. years, it's inflation's pushing up, so we've got to do this, but then it's gonna Yeah.","start_word":654,"end_word":734,"sentiment":"neutral","sentiment_score":-0.1520635485649109},{"text":"cripple the economy.","start_word":735,"end_word":737,"sentiment":"negative","sentiment_score":-0.3980866074562073},{"text":"So they bounce left, right, left, right. I think they're just hoping something sorts itself out in the background because they they they snooker themselves Yep. is how They I have. would describe it. Yeah. Oh, I I agree with you, mate.","start_word":738,"end_word":779,"sentiment":"neutral","sentiment_score":-0.12186426669359209},{"text":"They've gone too hard Yeah.","start_word":780,"end_word":784,"sentiment":"negative","sentiment_score":-0.3496001362800598},{"text":"with everything. They they they've let everything else come up, and they haven't factored in. And, mate, I mean, you know what I do for a living, I have to tell you. Look at it. Look at what's going on there. Yeah.","start_word":785,"end_word":826,"sentiment":"neutral","sentiment_score":-0.23072917759418488},{"text":"Kinda ridiculous.","start_word":827,"end_word":828,"sentiment":"negative","sentiment_score":-0.5347724556922913},{"text":"Like, we Inside.","start_word":829,"end_word":831,"sentiment":"neutral","sentiment_score":-0.2623918950557709},{"text":"we don't even have to be in this position if we don't do what we've done years ago, and we just keep letting everything go. And now we're all paying for it. So Yeah. it's just madness.","start_word":832,"end_word":868,"sentiment":"negative","sentiment_score":-0.5093939304351807},{"text":"Like so my my yeah.","start_word":869,"end_word":873,"sentiment":"neutral","sentiment_score":-0.3046875},{"text":"My sort of thing is, mate, I don't reckon they can go more than a couple more because I know that they're gonna they're gonna push people over the edge.","start_word":874,"end_word":903,"sentiment":"negative","sentiment_score":-0.40312594175338745},{"text":"That's, I think, all they're they're hoping to do is they're saying, okay.","start_word":904,"end_word":916,"sentiment":"neutral","sentiment_score":-0.2293328046798706},{"text":"Inflation's ticking up.","start_word":917,"end_word":919,"sentiment":"negative","sentiment_score":-0.547247052192688},{"text":"We'll do another one or two, then the Yep.","start_word":920,"end_word":928,"sentiment":"neutral","sentiment_score":-0.2688535153865814},{"text":"data will come in that everyone's getting crippled by it.","start_word":929,"end_word":938,"sentiment":"negative","sentiment_score":-0.4264727830886841},{"text":"So then we'll lower it a bit, and that Yep. just buys them time. That's all they're doing is just buying time. Yeah. That that's my way of thinking too, mate. I mean, it's not gonna cripple Laura and I. We're in Yeah. a in a different position. And, obviously, with the wage I'm on, mate, I've just gone senior operator, so I've gone to $2.40 a year now.","start_word":939,"end_word":1007,"sentiment":"neutral","sentiment_score":-0.0346221961081028},{"text":"Yeah. Fantastic.","start_word":1008,"end_word":1009,"sentiment":"positive","sentiment_score":0.4827376008033752},{"text":"So I've kicked that up to there now, and that's plus over time, mate. They've got this shutdown coming at some stage, mate, so we'll be making a bit of money out of that and whatever. So I suppose I just what I really wanna do is sit down and not here. How do we keep our lifestyle where we've got it without Yep.","start_word":1010,"end_word":1073,"sentiment":"neutral","sentiment_score":0.028354903683066368},{"text":"putting ourselves under financial stress?","start_word":1074,"end_word":1078,"sentiment":"negative","sentiment_score":-0.3792151808738709},{"text":"Do you know what I mean? By doing anything else that may be too much for us. Do you know what I mean? So having a good honest chat about it and going, right, how do we do all of this? Yeah. Keep your stable base there so you're not affecting the lifestyle if something Yeah. changes in politically Yep. or economically. And That's then if alright. there's things you can do that are low risk, not Yes. low risk, but you know what I mean, just Yeah. not I do, gonna mate. Oh, impact look, mate. you. And yeah. And I've been doing a bit of research on YouTube, mate, just looking about that debt recycling that we discussed just to understand it. Yeah. Yeah. And I'm I'm sort of got getting my head around it, mate, now that, you know, it's basically from what I watched, and I just looked at it in the housing scenario. You know, you got 200 k yourself. You got a house that's worth 800 k. You take your 200 k out. You use that to buy the next house, and then you recycle when you when you recycle that, then you can recycle that back from the other property Because it's a tax break on the first one, isn't it? What you're trying to do is you're trying to pump up as much investment deductible debt as possible Yes. and minimize all the consumer debt. Because what most people fall into the trap of doing is Yep. upgrade home, upgrade home, and their PPR is their biggest debt, which Yep. is not deductible. And it's No. about balancing those loans so that it's all on the investments. You get the Yes. maximum deductions, and then the cash flow is helping to pay it off. And Yeah. You That's do it that's with what properties. we need You to do try it with and shares. look at doing, don't we? Mhmm. Absolutely. To try and get our debt down on on our actual property in Paradise Point because that's the goal. Yeah. And I think that's kind of gonna be a good three to five year idea where Yes. once you're all settled into it, let's just go every quarter, six months, twelve months, whatever it is, Yep. Yep. smash out this much, convert it, smash out this much, convert Oh, it, mate.","start_word":1079,"end_word":1478,"sentiment":"neutral","sentiment_score":0.05339508140459657},{"text":"and then That eventually, sounds great to me.","start_word":1479,"end_word":1486,"sentiment":"positive","sentiment_score":0.41632136702537537},{"text":"Yeah. yeah, Yep. And convert get it and at a keep time. converting it around, mate, on top of what we're putting in on top. Do you know what I mean? And you I suppose that's the conversation too when we see you is, how do I use my overtime money wisely? Because we don't need that money as such.","start_word":1487,"end_word":1546,"sentiment":"neutral","sentiment_score":0.1600288152694702},{"text":"We can Yeah. live comfortably what we already got. So how do we use that wisely?","start_word":1547,"end_word":1562,"sentiment":"positive","sentiment_score":0.4441064298152923},{"text":"I understand that I might put some money away for, like, a holiday or you know what I mean? Go off. Got that. I'll put a bit away in holiday account or whatever, but still a a port a good portion of that's always gonna go against the mortgage. But is that the best spot to be putting it, or do we use it somewhere else? Do you know what I mean? Or is Yeah. that we use that money for your investment sort of things like you know, like, I'm trying to figure out how you guys think we can best use that. And it depends too on I guess the conversation will have to be how long that's gonna go for because if it's something where we're just trying to utilize it for one burst Yep. for one financial year, then we might treat it a bit differently than if we Yep. were trying to build up to that three to five year recycle. Yep. Yep. Well, I see, mate, it's always gonna be there. There's always gonna Yeah. be a need for it. That the refineries, Awesome. and it is never ever not gonna be a time where there isn't any. Do you know what I mean? Yeah. Yeah. Awesome. No. That's cool. I reckon once we get because I'm I'm about to click off in June for a bit of leave when the baby Yes. That's comes. right. Yep. So July, I'm back full force. Okay. Once we've got a bit more idea of what's going on, we'll have a bit Yep. of a sit down. Let's not do Yep. anything crazy with contributions this financial year. It was just to make sure that if you'd already settled into the property, there was heaps of cash there, and we had to try and minimize the taxes that we could jump onto it before we lost the opportunity. No. If we Yep. don't need to, we can put a pause on that and focus more on that debt management strategy. Yes.","start_word":1563,"end_word":1906,"sentiment":"neutral","sentiment_score":0.02738281515925083},{"text":"Yeah. Perfect, mate. Because we will look, mate, on and to be up front we did too, mate, we ended up with about 960 odd thousand in the end in our own hands.","start_word":1907,"end_word":1939,"sentiment":"positive","sentiment_score":0.5349709391593933},{"text":"Yep. Yep. And then, mate, I've already Laura and I have already put another thirteen or fourteen thousand away plus the amount of money that we have earning interest, which is about $3 for the first month on that money. So we're getting a high interest account at the moment and just using that up until we get to the property. So I'm hoping to have maybe 50 or $60 of our own money, if that makes sense. But Yep. Yep. I'm with you. we can't Just actually press you do over the loan. now. Yeah. Yeah. I'm just I'm hoping to try and get it to that mill, mate, so that just just gives Laura and I a bit of a buffer so we can get in the house, do the things that we need to do, like window coverings and all that. Plus, if I do the shutdown, mate, that's gonna be another big cash flow. So I can bank away some money there. You know what I mean? And try and get some capital already, if that makes sense, even in a time when it's like It this.","start_word":1940,"end_word":2130,"sentiment":"neutral","sentiment_score":0.053307682275772095},{"text":"sounds bloody good. If you're if you can get the cash flow in the door when everything is going on the way it is, you're gonna be in Yep. a great position over the next couple of years to do all kinds of things. So Well, really that's what exciting.","start_word":2131,"end_word":2180,"sentiment":"positive","sentiment_score":0.5823678374290466},{"text":"I'm trying to do, man. I'm trying to work really hard now and get as much out of it as I can while we're Yeah. in a in a position where we are because there's gonna be and, mate, I know nothing about markets like you guys, but all I know is one thing is if you combine the low, mate, and then watch the high come up, you're gonna get you're gonna do well. Yeah.","start_word":2181,"end_word":2256,"sentiment":"neutral","sentiment_score":0.25296517089009285},{"text":"Yep. Absolutely.","start_word":2257,"end_word":2258,"sentiment":"positive","sentiment_score":0.45491519570350647},{"text":"And look, there's no there's no missed opportunities. There's always something. Right? There's Yeah. always another another global event that causes markets to go shaky, or there's a Yep. whole another sector that's always right for the pickings. Yeah. You know, people freak out that they missed the the gains after the global financial crisis. And then Correct. it's like you should have seen the gains after COVID bounce back was even That's sharper right. Yep. every five to seven years or something. So Yeah. and in between, there's opportunities as well. So we're not gonna miss anything. But, No. again, if we're if you're in a position where you've got the ammunition, we Yep. can make a good choice if there's something staring you right in the face to say, yep. Well, This that is that's the one what to I'm go for. that's what I'm sort of thinking, mate, and that's where you guys come into play. And that's why you haven't heard from me, mate, when all this has gone on because I've heard guys that manage their own super at work and that, mate, they're right into their financials, and they're the ones that are panicking more than anyone going, oh, you need to put it all in cash.","start_word":2259,"end_word":2471,"sentiment":"neutral","sentiment_score":-0.056754838675260544},{"text":"I'm not well, to me, no. It's like you're gonna miss that opportunity on the other side.","start_word":2472,"end_word":2488,"sentiment":"negative","sentiment_score":-0.524702250957489},{"text":"Like, if Warren Buffett says it, mate, and he's not worried at the moment, why is anyone else? The thing is, sir, I've been doing this for twelve years now, and I've looked back a hundred years worth of research, and the same panic sets in every single time. And the more I go through these events personally, the more nonchalant I get where Yeah. it Yeah. it And I've should done the affect same thing me as more, you, but Tommy. I've looked into it properly and looked at the years years before, and every time this happens, the bounce back's huge. And if you don't and you have to be very good, mate, and wanna pull your cash out and get it in at the right time. Yeah. I don't Yeah. Have mind a look. dollar cost averaging. Like, if Yep. you get it out in time and Yep. it starts sliding $5.10, $15.20 percent and you're just chopping in every fortnight every month to gradually Yep. Yep. buy in, the fluctuations are great, and 20% down the market's always a buying opportunity.","start_word":2489,"end_word":2673,"sentiment":"neutral","sentiment_score":-0.03967089695302216},{"text":"But to do it all the cash all back in, I've seen it go wrong nine times out of 10. Yeah.","start_word":2674,"end_word":2694,"sentiment":"negative","sentiment_score":-0.3587404489517212},{"text":"And that's the problem, mate. Yeah. That I oh, man. And that's why you haven't heard from Laura and I, mate. I've just been happy to let it sit. Yeah. And I'm not in the in the game of trying to day trade your super and time the market, mate. We're just trying to make sure that No. the options you're in over ten, Yep. twenty years are gonna have the That's best average. right. 100%, mate. And that's exactly what yeah.","start_word":2695,"end_word":2776,"sentiment":"neutral","sentiment_score":-0.05787746608257294},{"text":"Exactly right, mate.","start_word":2777,"end_word":2779,"sentiment":"positive","sentiment_score":0.3684616982936859},{"text":"And that's where I'm at with that, mate. If we wanna do that, we'll go to a different level if we wanna play Yeah. that game. Yeah. Yeah. We're not trying to get rich in three years. We're trying to get No. to a retirement goal, which is a steady Correct. ship. The ship Absolutely. needs engine maintenance, and it needs a bit Yep. of a boost every now and A then. 100%, mate.","start_word":2780,"end_word":2853,"sentiment":"neutral","sentiment_score":0.013485181673958496},{"text":"Definitely. Definitely.","start_word":2854,"end_word":2855,"sentiment":"positive","sentiment_score":0.45229607820510864},{"text":"And and one last thing, mate, before I go, don't stress about fuel, mate. There's plenty. Fair enough. That's Yeah. good It's to hear. just a demand thing, mate, not a supply thing at this point. Oh, cool. Alright. Alright? So don't don't yeah.","start_word":2856,"end_word":2899,"sentiment":"neutral","sentiment_score":0.10364031791687012},{"text":"It's all good, mate.","start_word":2900,"end_word":2903,"sentiment":"positive","sentiment_score":0.3688413798809051},{"text":"Nah. The ships I haven't are booked got my and jerry cans to go. I only filled up one for the mower. yeah. And don't don't go buying EVs, mate, because that'll probably that'll probably bomb out at some stage too. So Yeah. Yeah. I don't I Well, don't know most where that's people.","start_word":2904,"end_word":2957,"sentiment":"neutral","sentiment_score":-0.2064446210861206},{"text":"gonna land, mate, but everyone's panicking and buying them now, and then they're all gonna come under the next thing where it starts costing them money.","start_word":2958,"end_word":2983,"sentiment":"negative","sentiment_score":-0.3375917971134186},{"text":"Yep. Yep. And the thing is when it comes to the investments, those EVs, you remember that funds that was up, like, Yep. a 107% for the year? Yep. Like, it's peaked. Take your Yep. 100% return. Most Yep. people Yep. are happy with the 10%. Take your 100% and move it to something else before the cycle switches Yep. and the sector Yep. goes down. You know? Don't Yep. don't don't get greedy looking for 200%. No. Thank god. No, mate. And that's what we're in for a while with the lithium, weren't we? And then we we got we got it out. Yep. Exactly right. Yep. Got a nice Yeah. gain out of it, and then Exactly. it's time to switch out for a bit. 100%, mate. No. Totally agree, mate. And if there's anything in the future, mate, like that, which was I mean, we signed over to you guys anyway, feel free. Do you think, nah. We're peaking. We've hit the hit the trophy. We need to go to something else. Let's Yeah. do it. Yeah.","start_word":2984,"end_word":3163,"sentiment":"neutral","sentiment_score":0.04979827534407377},{"text":"Absolutely.","start_word":3164,"end_word":3164,"sentiment":"positive","sentiment_score":0.4563841819763184},{"text":"I'll keep an eye on it because we always have these chats with the investment committee and and the BlackRock guys as well, Yep.","start_word":3165,"end_word":3188,"sentiment":"neutral","sentiment_score":0.24467270076274872},{"text":"and they give Great.","start_word":3189,"end_word":3192,"sentiment":"positive","sentiment_score":0.3530125319957733},{"text":"us a bit of an idea about, you know, main things at the moment, currency risk, US dollar, Australian dollar, inflation, Yeah. few things like that. Yep. Any big moves outside of that will be a signal to make some switches. Yep. Okay. Yep. Sweet. Mate, that last I suppose the last thing so you don't really need to see us. We just do our home line. Do what we're gonna do anyway with Grant, get it done, and Yeah. then we just come 100 see percent. you as because it really doesn't change anything. You guys really aren't gonna say to us, I suppose, at the end of the day, oh, well, no. You can't do that. I mean, that you're not gonna say you know what I mean? Like, we've No. got It the was home. mainly about making sure that you basically set up for that income surge, the settling into the house, and then Yep. possibly contributions before end of financial year. So if all that Yep. played out by April, then, yeah, Yep. we should probably talk about it for a couple of months before June 30. But if it's still gonna play out for a couple more months yet, there's no Yep. rush. Yeah. Nah. Well, it is, mate. Like, we're still and and that's the thing, mate. I don't we we might have that cash flow there to top it up. Like you said, but at the end of the day, mate, I've got the income spike.","start_word":3193,"end_word":3446,"sentiment":"neutral","sentiment_score":0.0009476819082977264},{"text":"I've got a bloody shutdown coming, like you know what I mean?","start_word":3447,"end_word":3458,"sentiment":"negative","sentiment_score":-0.4281670153141022},{"text":"I just wanna get the home loan preapproved probably shortly, I guess, Yeah. and just get that so we know it's there. Now the other the other thing is Grant's obviously gone into with us, mate, is obviously, we're in a redraw before, which is a lower Yeah. interest rate Mhmm. going into offset, mate, but he's talking about, you know, depending on who we go with. We can have multiple offsets, which means, you know, Laura and I do multiple accounts. So we have a savings account. We have a a which we're gonna get. So we won't have the savings. So we have a holiday account. We have birthday accounts. We have Christmas accounts. Do you know what I mean? We have all these different accounts. So he's saying Yeah. to us, well, let's go with a multiple offset option of, like, eight offsets or 10 offsets where you can still have all those accounts for your bills and that, but it's all offsetting against the line. Yeah.","start_word":3459,"end_word":3628,"sentiment":"neutral","sentiment_score":0.0029209968633949757},{"text":"It really does. Like, if you're the redraw is really good for discipline.","start_word":3629,"end_word":3641,"sentiment":"positive","sentiment_score":0.4424574375152588},{"text":"When Yep. you've got the offsets, especially with the the the income you're looking to earn, if you're Yep. saving up, Yep. like you said, for holidays, investing, bills, everything, having Yep. it all offset the mortgage in six different accounts is gonna way outweigh the extra slight interest rate you get for the package. Okay, mate.","start_word":3642,"end_word":3698,"sentiment":"neutral","sentiment_score":0.18214620649814608},{"text":"That's fine.","start_word":3699,"end_word":3700,"sentiment":"positive","sentiment_score":0.3486252725124359},{"text":"That's all I needed to hear, mate, because it's it's Yep. very hard to get your head around when I see numbers. I'm a bit of a numbers guy. So when I say, oh, but I've gotta pay that. But if I was and I am pretty disciplined, mate. But, I mean, if you need $10 tomorrow and you gotta pull it out of the redraw, you're gonna do it. Yeah. Yeah. Do you know A what 100 I mean? percent. Whereas with the offset, at least that's all been offsetting until I've needed to get do you know what I mean? Everything else is still offsetting. I'm not touching all of that money, if that makes sense. And that's what I mean. That's what I'm getting at with when you say be disciplined. Like, at least if you got those other accounts there, they're still offsetting because you haven't touched the holiday account or whatever for that $10. I might have pulled it out of the offset. Do you know what I mean? And that's That's the thing is most people that don't have the discipline, they can't save up for it. the holiday because they're too busy splurging on the coffee and the grog and the beers and the Skittles. Yep. If you're Yep. actually a person who can actually build up that $30 to go to Europe, then perfect. Offset it Yep. Yep. and let your your quarterly electricity bill go in there and and let everything go in there. I even did it with my my bloody hex debt. Yep. I Yep. owe the government $8,000. I just let it offset the mortgage for the whole year, and then I paid it too. Yeah. Well, you know what? And Bugger. we gotta talk about that with Laura, mate, next. We'll get through this financial year, but we really need to talk about that with her. I think she owes, like, $6. So I think we need to wipe that debt. Yeah. Yep. And maybe we offset it for a year, like you said, then pay it. Yeah. And it depends because my situation was, do I let it chop out of my income on a weekly basis and Yep. bleed it off to the government, or do I just Yep. pay them lump sum after twelve months? So just Yep. see what happens with Yep. your tax return as well. Yeah. Yeah. Yeah. Well, I've gotta I've gotta have some money to solve for that, mate, because with the man, I would assume whatever they're gonna come after me. So Yep. Absolutely. yep. Which we it's look.","start_word":3701,"end_word":4141,"sentiment":"neutral","sentiment_score":-0.10423205601993332},{"text":"It's that's fine, Tommy.","start_word":4142,"end_word":4145,"sentiment":"positive","sentiment_score":0.3453481197357178},{"text":"Like, you know, like we just said last time, mate, if they come in if you're paying tax, mate, you're making money. If you're getting it back, you weren't really making that much, were you? Yeah. It's So just about making sure that when you're in that high tax environment that we start yep. making smart moves with it so that you come Yes. out the other end with something. Yes. And that's that's where I need you guys, I suppose, now more than ever is to start to make that seem more streamlined. So, mate, once we get set up with these like, you've just given me the advice with the offsets, so that's good, mate. We know that we wanna have multiple offsets. Once we get all those accounts sorted, mate, I'll literally bring in a printout of our bank statement. Do you know what I mean? And go, these are the Yes. numbers. That's all that's sitting there, mate. Tell me how to make that work more efficiently if you can. Yep. And then it's just a matter of every quarter, you see how your your cash flow and budgeting is working with all those offsets, and Yes. we'll have that three months, twelve months, five year goal. Yep. We'll Yes. just keep checking in on with each other and see how you Great. go because there'll be Yeah. adjustments you need to make, Oh, but 100%, mate. I get that. main direction is the main thing.","start_word":4146,"end_word":4395,"sentiment":"neutral","sentiment_score":0.19299519062042236},{"text":"If you if you get there 95%, you're still winning. Yep. Yeah. Oh, 100%, mate. And like you said, it's a lot it's all a long term thing, Tommy, all this.","start_word":4396,"end_word":4426,"sentiment":"positive","sentiment_score":0.44655779004096985},{"text":"You know, I'm not I'm not looking to get rich tomorrow, mate. You know?","start_word":4427,"end_word":4440,"sentiment":"neutral","sentiment_score":0.08283104002475739},{"text":"And yeah, I say that, mate, but in a lot of ways, I already am, mate. I've got two beautiful kids with a happy and healthy mate or wife and and getting a brand new home, so I can't winch, mate.","start_word":4441,"end_word":4481,"sentiment":"positive","sentiment_score":0.49644234776496887},{"text":"So at all, Yeah.","start_word":4482,"end_word":4485,"sentiment":"neutral","sentiment_score":0.06332110613584518},{"text":"in the current environment, you know, some poor buggers, I feel very sorry for them.","start_word":4486,"end_word":4500,"sentiment":"negative","sentiment_score":-0.35837435722351074},{"text":"But, yeah, it's about doing what you can with what you get, you know, what you're able to achieve with it, I suppose, mate. And that's all.","start_word":4501,"end_word":4527,"sentiment":"neutral","sentiment_score":0.27119094133377075},{"text":"I just wanna maximize what we do for our kids, mate, moving forward.","start_word":4528,"end_word":4540,"sentiment":"positive","sentiment_score":0.4984732270240784},{"text":"Laura and I will be fine.","start_word":4541,"end_word":4546,"sentiment":"neutral","sentiment_score":0.28249087929725647},{"text":"We're already fine. Love Yep.","start_word":4547,"end_word":4551,"sentiment":"positive","sentiment_score":0.37166672945022583},{"text":"So that's that's sort of where we're at, mate. But you go and enjoy having your third child or second child? it. Third. Third, Third. mate. Two You're boys a braver are now man in the water than on me. the line. Yeah. Look. I was kind of twisted into it, but I don't think I'll regret it at the end of the day when I'm 65 and every all the families are sitting around the table. A 100 I'll percent, look back mate. and smile. Yeah. Yeah. I mean, they put in they put in a expensive red wine, mate, in the carafe, and you're sitting there thinking, yeah. This is what I mean. You little buggers Yep. keep feeding me. Yeah. That's exactly right, mate. No. Awesome.","start_word":4552,"end_word":4680,"sentiment":"neutral","sentiment_score":0.11358802765607834},{"text":"Excited Alright, for you.","start_word":4681,"end_word":4684,"sentiment":"positive","sentiment_score":0.370600938796997},{"text":"dude. Alright, mate. So do you just wanna touch base with us? Do you just wanna touch base with us in July, like, a week week before you wanna see us? So then that way, at least, I can go to Laura. Right? We're gonna come. We gotta go in a week. Yep. And I'll give you a bit of an idea of what to prepare for that, see Right. what sort of change and update it with you guys. I'll give you a buzz and just see some updates beforehand.","start_word":4685,"end_word":4775,"sentiment":"neutral","sentiment_score":0.1439428142793886},{"text":"Fantastic, I mate. will pretty much send you, like, a text and email when I'm back in the office after paternity leave, just Yeah.","start_word":4776,"end_word":4799,"sentiment":"positive","sentiment_score":0.4446278214454651},{"text":"so you Yeah.","start_word":4800,"end_word":4802,"sentiment":"neutral","sentiment_score":0.277311772108078},{"text":"Nice. know. Absolutely, mate. And I hope everything goes really well there, mate. And everyone's happy and healthy and all the rest of it, mate. All the best with that. Thanks very much, Blake, mate. You guys enjoy your school holidays, Will do, buddy. Take it easy, mate. Thanks, Tommy. See you later. Bye. See you, mate.","start_word":4803,"end_word":4859,"sentiment":"positive","sentiment_score":0.7379367351531982},{"text":"Bye.","start_word":4860,"end_word":4860,"sentiment":"neutral","sentiment_score":0.2314382791519165}],"average":{"sentiment":"neutral","sentiment_score":0.03297789754424293}}}}