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Just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And I just for security purposes, just get you to confirm your full name and date of birth and address, please. Fantastic. I'm phoning today to complete your annual review. Do you still have time for that? Yep. And is Tamara with you? Yeah. I'll and I'll just ID Tamara when she gets on the phone too. Yeah? Beautiful. Hi, Tamara. My name is Jenna. How are you today? I'm well. Thank you. Can I just get you to confirm your full name, date of birth, and and address, please? Beautiful. Thank you so much for that. I am just phoning to complete your annual review of your superannuation and insurances. You will sure I'm gonna send through an email that you both will receive. You may even receive a double up, so I apologize. I'm gonna look at that email second to what I'm gonna run through first, but I just will hit send so they're in your inbox waiting when we get to that stage. That's just your review pack. Before we start the review, what I like to do is just run through and make sure that all the information that we have on file in relation to your personal and financial situation is still current. So first of all, I'll confirm you're still de facto? Yes. Beautiful. Sorry. It's always an awkward question to ask. And do you both do either of you have any dependents? No. And are you both happy to continue to be nominated as each other's next of kin? Yep. Beautiful. Jake, I'm gonna start with you from an occupation perspective. We have you down as an NDE technician slash painter. Is that still correct? Yep. Can I ask just for curiosity? What does the NBT stand for? Okay. Oh, okay. No. Oh, wow. That sounds interesting. Still pretty cool. And your is your role mainly, like, off-site or in an office? Yep. Okay. Beautiful. And are you still full time are are you I've got here full time slash sole trader. What are you still a sole trader? Yep. Yeah. Yep. Alright. Fantastic. So you contract to a mining site or whoever? Okay. Beautiful. Origin. And is that still a two and two roster? Yep. Beautiful. Where do you travel to for the oh, nice. Yeah. I was gonna say it's a bit of a hike. So we've got your income down as a 140. Is that correct? $1.47. Okay. And is that plus super? Fantastic. Now as a whole how whole household, we've got your expenditure as $3,500 a week. Does that sound correct? Just all your expenses. Yeah. Because I wonder if that includes your mortgage as well. It said 3.5 a week. Yeah. And I think does that include mortgage repayments? Okay. And yeah. Of course. Yep. That's fine. And do you get a rental income now? And and how much is that? Beautiful. Sorry? Oh, Sorry? Alrighty. Okay. And do you have any savings per week as a household? Yep. Yep. Mhmm. Yeah. Beautiful. Yep. Absolutely fine. Understand. Outside of what you get from your employer for superannuation, do you make any other additional contributions to super? Nope. Yep. Did you want to consider that? Not jump over to your document and just check your in car your, sorry, occupation and income. I've got you down as nondestructive testing technician. So do you do you both do the same thing? Yeah. Oh, cool. Are you on the same roster? Or oh, that's a oh, that's nice at least. I remember my husband used to do FIFO, and it was lovely having him gone, but it was lovely when he got home as well. I got a nice balance. Okay. So and are you employed by Origin as well? Okay. Beautiful. Yeah. Beautiful. Fantastic. And your your roster's the same. And is your has your income gone up at for the same amount? Beautiful. So I'll put that. I can double that up. And with super, are you making any additional amounts? No. Are you wanting to? Very good. Very good. That's what I mean, it's something to consider. I mean, you've got your tax tax strategy in place, obviously, with the investment property, but salary sacrifice is also an Yeah. Oh, no. Oh, Oh, no. Yep. Yeah. I under I that. Well, have a chat with them about what their thoughts are for future strategies regarding tax, and we can help with that if that's something that you wanna look at. Beautiful. Beautiful. I can touch on that in a moment too. I'm gonna flick to your assets and liabilities now. So we've got your PPR. So this is the house in your sorry. Your prince principal place of residence. This is your house in Tasmania. Is that right? Yep. We've got that valued at $7.50 with a debt of $1.20. Does that sound correct? Yep. What what do Yeah. Beautiful. Lovely. Nest egg there for you guys. That's fantastic. And the investment property, where is that located? Yep. Georgetown. Beautiful. And is it owned jointly? Yep. Beautiful. And we've got that valued at 600 with a debt of $4.38. That's okay. Do you have yeah. Do you have the address of it? Yeah. Georgetown. Oh, okay. Oh, okay. Yeah. Okay. Yep. Yeah. But dot their i's and cross their t's. Yeah. Okay. That's alright. We'll leave it at 600. That's beautiful. So with the properties, are they owned as tenants in common or joint tenants? Yes. Okay. Yeah. So there's a there's probably worth having a look at your contracts of purchase. And it means basically a tenant in common means that your portion of the property passes through your will. So it's always important to have a will in place. Whereas if it's joint tenants, it will just automatically pass to the other person. So that's probably why I ask only because fantastic. Yep. Beautiful. And when were they done just recently? Oh, beautiful. And did you get powers of attorney done with that? Oh my gosh. Look at you. I'm so proud. There's no you know what? You would think that it would be really common that people would have these in place, but they they just don't. Yeah. Yep. Yep. Mhmm. Beautiful. Fantastic. Yes. Yes. Oh, yes. Yeah. Yep. No. I've seen some in my time. I can tell you that. So when you do have those finalized, if possible, are you able to email me a copy of them? Even the reason why we ask is we keep them on file because like, I'll use yesterday as an example. One of you would have passed away yesterday. Even though you are recorded on our system as, you know, spouses, partners, we're actually unable to talk to either one of you until we have those documents. So if we already have them on file, that just actually takes away a a level of stress that you probably wouldn't need at that time. Yeah. Yep. Yep. Yeah. Oh, fantastic. Thank you. Now I also have a camper van here for 60,000. Is that correct? 60 thousand dollars? Oh, 16. Okay. Okay. Fantastic. Sign and seal and delivered. And I have some crypto at 800. Is that still correct? Yeah. Yep. Beautiful. Jake, I have some crypto here for you for 3,000. Would that still be right? Eight. Yes. Beautiful. Is that sorry. That's what? Oh, beautiful. And alright. Fantastic. Thank you. And I've got a DMX here at twenty five thousand dollars with a $10,000 debt. Beautiful. Still about 25. Beautiful. And I also have an offset account here for 90,000. Would that be correct? That's still pretty good, guys. Something to be very proud of. Alright. It it's life. Yeah. I get that. Any other assets or debts that you are aware of? Jet ski. Yep. And what yep. Beautiful. Alright. Any debt on that one? No. Fantastic. Alright. Beautiful. And, hopefully, that's nice and short. It will be. Yeah. You Yep. So can I ask, are you engaged? Okay. Beautiful. Congratulations. Oh, and yeah. Beautiful. Fantastic. Alright. So from a health perspective, I just need to run through the details details that we have on file. Tamara, I've got that you were an ex smoker about five years ago. Is that still correct? Beautiful. Do you take any medication? Beautiful. Did you take any medication? No. You've got private health insurance? Yep. Beautiful. Is it with the same company? Yep. Okay. Beautiful. Because I've got Saint Luke's on one and nothing on yours. So just yes. So I thought I'd just double check. Alright. Fantastic. And, Jake, any are you still a non smoker? Yep. Beautiful. Fantastic. Thank you. Alright. Beautiful. Now I if you have access to your emails, can I ask you to open them up? If you don't, that's okay. I can still run through the documents. But yeah. Just if you have access. Beautiful. Yep. Yes. So if you hit sign, what it's gonna do is open up a bunch of documents. You're not actually signing anything. We're just gonna talk through the documents. There are some that we need signing at the end, but you don't sign them until you're comfortable and you've had the the review. Nelly. Okay. So I'm hoping that these are gonna be in the correct order. So just the way they're packed together. But the first document I'm assuming is the is Jake's summary of super inch and insurances. So we've got the hub 24 count account for Jake sitting at a balance of 91,000 638. And then your insurances through a Now that's significantly lower than probably what you're able to get, but also what your expenses are. Realistically, based on a 147,000, your sum insured should be sitting around $8,500 a month. So I I guess that's something that I really do need to flag with you whether you wanna look at increasing that. Yeah. Yeah. So I'm going to do some investigating. How long ago did your wage increase to $1.47? Mhmm. Yep. Yep. So were you on $1.40 at least for the last twelve months? Like, if you you could prove that. Alright. So if we look at one thirty eight as the base because how income protection works is we can sure insure up to 70% of your gross income. So if you're happy for me to work on one thirty eight as an average, I'll do some figures, and I'm going to go and investigate that a bit further. Yep. Okay. Beautiful. Alright. Alright. Now, Jake, with your policies, would you like us to go to market? Basically, that means is we'll go and have a look and make sure that Cal is still competitive price wise definition and all that wise. The reason I ask is you from that brief questionnaire that I asked, do you have any preexisting medical conditions, anything that from an because you'll have to go through full underwriting again. So you might recall when you did these policies. Yep. Yep. Okay. Yeah. I'm I I'm not sure actually how that works, but I I would have assumed so. Trauma insurance is something that Tamara has, but you don't. So I just wanted to cover that off with you. I'm Do you know what trauma insurance is? Okay. Okay. Yep. Okay. So trauma insurance is a policy that pays a tax free lump sum amount on the event that you're diagnosed with a critical illness. So a trauma policy covers it's just over 40 defined, diagnosable conditions, and they range from different type yeah. To different types of cancer to stroke, heart attack, and just depending on the severity of it. And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely. It's just that it's designed to help with the the financial stress that comes with those. So the out of pocket medical expenses, those types of things, because even in the public system, unfortunately, with some some illnesses, there is still always an out of pocket. So it's it's probably something worth looking at. Tamara does have some. She's insured for a 100,000 for your trauma insurance. So if you is there any specific amount you would like cover for, or would you like me to go away and work an amount that's suitable? Yep. Alright. Beautiful. In some cases, your income protection might kick in. It just really depends on the the trauma is kind of like a fail safe. So you've got a four week waiting period, thirty days on your income protection. So what that means is if a doctor says, you know, for example again, I'll use yesterday, someone was diagnosed with I don't know. Maybe he suffered a heart attack. It was of the right not the right. Sorry. But the it met the conditions of a claimable event. You might be back at work within a five, six week period of time frame. That means you're not gonna get your income protection. You might get a week or two. But you might also decide that you're not ready to go back to work. So that's where this this kind of falls into place. It gives you that leeway to make that decision. Like, you might go, actually, you know what? I'm I'm not ready. I need another few weeks. Yeah. Yeah. Exactly. So that's kind of the benefit of the trauma insurance in that respect. It gives you the ability to make a decision because, unfortunately, even when we are diagnosed with things meeting the standards of not being medically fit for work is difficult. Sorry? Yeah. Yeah. So I'll have a look at that for you as long as well as your income protection too. Tomorrow, we've got your hub 24 at the balance at 202,587 for your super. You've got your policies are structured a little bit differently mainly because I do note that you had an exclusion for breast cancer and ovarian cancer on your TPD income protection and trauma cover. Is there a family history there? Yep. Okay. Okay. Beautiful. First of all, I'm sorry to hear of your loss. That's awful. Leave that with me. I'll investigate and revert back to you, and we can definitely go from there. I'll find out what the insurance company says. But based on your financial your I'll go back to life in a minute for both of you. But your income protection sitting at 8,166 a month. Are you happy with that amount? Beautiful. Okay. And you've got your trauma cover sitting at a 100,000, and you also hold a little hold your TPD outside of super as well, which costs you a little bit per month out of your personal cash flow. And that just helps with the definitions of being eligible to have a TPD claim. That's why it's structured that way. Are you happy with that? Yes. So with your life insurance policies for both of you, Jake, you're insured for just shy of 1,000,000. Tamara, you are insured I'm just gonna quickly add them up because there's a couple of different policies. And, Tamara, if we are able to remove that, we might be able to get combine some of your policies for you to clean it up for you. You're insured for life insurance for about $840,000. I I guess the question is, are you both comfortable with that level of cover? Did you wanna look at increasing it based on debt? What are your goals? I mean, it's gonna cover your debt anyway. Yep. Yep. Yep. Yep. Alright. Performance reports. So the if I'm hoping, if you can confirm that that's the next document for you both. Beautiful. Might have to jump out and reopen it. I'm not sure how to go back. I'm sorry. I don't I'm not very we're up to the 20 four. Yep. So the first one I've got up is Jake. Is that what you're seeing? Yep. So performance wise, if you look at the second page, you'll see a net performance of 1.66%. Now not great. There is a reason for that. So that's net of fees. If you look at the first page, you'll see the Bennelong Australian Equities Fund with a negative return of 15.01%. Now to explain why that's happened, it's not that the Australian share market itself has performed badly. It's Benelong's investment mandate. So their mandate is being an active manager, which means they will look at the Australian share market and the companies within there and try and identify undervalued assets or growth opportunities. Now, unfortunately, it has become a a negative return that we're can over appear sorry. Sorry. Hang on. Let me see. No. That's okay. Sometimes it's this headset and the the volume on it. Is that a bit better? I just turned it up. Is that yeah. Okay. Sorry about that. I'll start again. Bennelong has not performed well, it's not a it's it's just that their investment mandate. So what they do is they look at the Australian share market and try to identify companies that are undervalued for growth opportunities. Growth winners in the market. So it's not that the share Australian share market has plummeted or not performed. It's that the has plummeted or not performed. It's that the Benelong's mandate hasn't aligned with how the market has actually performed. So what we're doing is we don't rush to replace underperforming assets. We take a an approach based on observation, education, looking at the market, the trends. And what we've identified is that we do wanna look at replacing the Bannalong Australian Equities Fund because the that we don't agree with their investment mandate at the present time. So that has had a negative impact on your portfolio because as you can see from the rest of your portfolio, it performs very well. So that's what's brought down your overall return. The fact that Ben along hasn't been able to well, the market hasn't, you know, performed in the way that suitable for their investment mandate. So if it's okay with you, what I wanna do is have a look at your whole portfolio to make sure that it's still in line with what you're hoping to achieve and also look at alternatives for Benelon. Yep. Any questions about your portfolio as a whole? Yes. Yeah. Yeah. Yep. Yep. Yep. So you've got a fair few satellite one. We call them satellites. So they're the ones that float around your bigger assets in the portfolio, and you've got quite a few, let's call them niche. So you've got your global global cyber. You have your global battery tech and lithium, which are great performers in the last twelve months due to, you know, the ongoing development of AI and the need for cybersecurity. Battery tech and lithium took a boost recently because of the conflict in Iran and, you know, the petrol the diesel and petrol and all that sort of stuff. But you also have a great exposure to the whole world. So you've got some Asia and Europe exposure. You've got some American exposure. And so along with global, you've got some niche markets as well and also economies exposure. So it's a it's a good it's a good allocation, but as performance of the portfolio as a whole, but Benelon itself is one that we definitely need to look at alternatives. Yep. The next document is yours, Tamara, with performance. So you do not hold the panel on. Yep. Yep. So your net return was 5.37. The one in your policy that policy, sorry, portfolio that I'd like to probably just have a look at is the first one, the bank hybrids. So you don't have a significant exposure to them, but the banking system in Australia is changing. And from January 2027, the bank hybrids will be phased out. What I'm doing with the clients that I speak to and is just being proactive in a sense because I don't know what's gonna happen. They're performing well at the moment. You know, the rate the income produced off them is is pretty what we'd expect from a bank hybrid, but I don't know what the replacement alternative the banks are gonna offer. So what I'm wanting to do is do a little bit of research for the client for my clients just to look at alternatives rather than wait and see. I'd like to be a little bit more proactive in that respect, if that's alright with you. Yep. Your portfolio as well, you have you've got your Global Cyber in there. You've got some Gold Holding. Both your portfolios are a little bit different. You've got, rather than a lot of niche little, satellites, you've got more, country exposure. So you've got some Europe, Japan, the all world, world, excluding The US, but you've also got your US S and P 500 exposure. So yours is more economy based rather than satellite and niche based. So are you are you happy with your portfolio? Do you wanna have a look at alternatives in relation? Or Yeah. Mhmm. Mhmm. Mhmm. Yeah. And and well, that Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yeah. Okay. So the next document I've definitely made notes of that, so I'm gonna have a look at that within your portfolio. The next document is probably a really good one. It's called the Vanguard index chart. Is that what you see? Beautiful. So this probably links really well into concerns about recessions and fluctuations or what that's a nice way of saying it. Let's just call it what it is, volatility. So at the both of you are invested as well, Jake, you're invested as an aggressive risk profile, which means basically, you're happy to have about a 100% of your superannuation invested in the top four. So on the right hand side of the page, you'll see US shares, Australian shares, international, and Australian listed property. They're what we call our growth assets. So your risk profile at the moment says that you're happy to invest a 100% of your superannuation funds within that sector. Now it's not. Your portfolio is not. You have about 93% of your funds invested in those top across those top four with about seven in defensive assets being your the next two down, bonds and cash. So are you still comfortable taking that approach? Yep. Yep. Yep. Mhmm. So in that sense, what I'm gonna do is explain how Tamara is invested, and you can let me know your comfort level with that. Alternatively, we can then also go and complete a risk profile. So, Tamara, you're invested as a high growth investor, which is the step down from Jake. And what that means is you would typically have 90% invested in those top 410% invested in the bottom two. Now your portfolio at the moment is literally sitting at ninety ten. So you've got 90% of your funds invested in those top four, which is why which is the growth you've seen. Now when you look at that chart, you'll see that those top four are the most volatile. Along along the top, just you'll see some black writing. They're events that have occurred in time that have impacted the market, whether it be negatively or positively. And what this chart is what I like to use this chart when talking to clients is is to show you, yes, events happen, that the market re and how the market reacts to certain events. For example, war, you know, the market can react extremely positively. COVID nineteen, as I'm sure you remember, it tanked miserably. Yep. Yep. Yeah. Exactly. Yep. So what I for from because we're talking about your superannuation, for example, Jake, based on today's legislation, you've got about thirty years until you can access your super. Tamara, you've got about twenty three years. So when we talk about your tolerance to risk, we also look at time frame. Now if we consider the fact that you're not able to access for those amount of years that I just suggested, a high growth portfolio, the way you're invested tomorrow, suggests you have to be invested for a minimum of eight years to withstand and ride the wave of market downturns. So given it's your superannuation and you've got limitations as in when you can access it, that's a different scenario if we're talking about personally held investments where you might wanna be a little bit more conservative because you're you'd be accessing it. So from the, you know, first reward, I like to call it passing the sleep at night test. You know, you don't wanna be having anxiety about the market, but we also probably need to take into consideration that you have significant time on your hand to take risk and ride it out in relation to your super. If we were talking about a personally held investment, a different story because it would be accessible, and it might be short term that you're looking to invest for or, like, with short term goals. And by short term, I do probably mean at least a seven year time frame. But yeah. So I I think based on that, I'd be interested to understand your thoughts on how you'd like your superannuation invested, indication of Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yes. And yeah. That I so are you happy to maintain a high growth approach tomorrow? Yep. Yep. Yep. Yep. Mhmm. Yep. And what about yourself? Yep. Yeah. Yeah. Yeah. Mhmm. Yeah. Yep. No. That makes sense. And and it's it's also not necessarily about what I think or and it it's your comfort level. So if you're given how you're feeling about the future economy and where things are sitting, if you're more comfortable with a ninety ten, I think that that's the right decision to be made for yourself at this time. And, again, we are we're constantly we meet and we talk and we discuss things annually. And if things change, we adjust then or earlier if you if there's something that you need to reach out to us before then. So there's sorry? Yeah. The yeah. Yeah. Right? No. I think that the I yeah. I think that'd be a big uproar if I tried that, and there'd be some serious consequences there. Yep. Yep. Yeah. And you guys sound pretty financially astute. You know, if if a just a question. If the market was to take a turn, what what do you think you would do? Would you sit and wait? Would you invest some more? Yep. Yes. Yes. Yes. Still being financially. Yep. Yep. Beautiful. Yep. Yep. Yep. It does. Well, I don't think you need to assume that, so we'll make sure. We'll you'll you've got yeah. You've got you've got a backup plan. Yeah. Yep. No. I like that. Okay. So the next couple of documents are your insurance, just your certificates of currency. So it just shows that they're in fourth, what you're insured for, we've been over those a couple already. So that's just for your information, basically. I'm gonna go away and look at the IP and trauma for you, Jake. The so after all those certificates of currency, I think there's about four of them, we go into the Oakview services guide. So that's our financial services guide. It tells you who we are, who we're licensed by, that we're licensed with ASIC. So, you know, we tick all the proper boxes, how we provide advice, the type of advice we provide, our general fee structure, and probably the most important part of that document, to be honest with you, is the complaints process. You know, it sure that, you know, it is clear how complaints can be made should you feel that you need to. So that's on the Yeah. No. It's import it's an important document because it does outline, you know, if we do if you feel we do the wrong thing, which I should hope would never be the case, but it is it's there in any case for you to refer to. And and the FSG can also be found on the website if you lose your review pack by any means. The next documents are your ongoing fee arrangement. So this is to continue engaging us as your adviser. So how this is yep. It it's how it's calculated is on a percent base fee of 1.1. It's discounted because you'll take your client you're you're both clients. You're a couple. Sorry. I'm struggling to get my words out now. So how that will work for yourself, Jake, is that will be deducted monthly at approximately $84 a month, your fee, which is an annual fee of $1,008. Tamara, yours is gonna be higher because you've got a higher balance, and it is a percent based fee. And yours would sit at about a $185.70 a month, deducted monthly from your hub account. What that that provides you, the fee, is our rate our annual reviews, but you're not limited in that respect. So should something come up, say, for example, in, I don't know, six months' time, you've seen the account, and the account says, oh, yeah. Go do your sacrifice. Reach out. We'll start that process. If you've got a question about your insurance policies or, you know, one of your mates said to look at this as an investment option, you know, just pick up the phone, give us a call. You're not limited in your contact with us. That's just how the the fee is based. So if beautiful. There you go. If it works, it works. So if you are happy to both continue as clients, I ask you to sign those. Not right now, but, you know, when you're comfortable. And then the last document is just for yourself, Tamara. It's a tax file number form, and it's just letting you know that we hold your tax file number on file from a super and insurance perspective. When that was set up, we had to provide those to make sure that your superannuation isn't taxed at a higher rate rather than an Australian tax resident. So it's just acknowledging that we hold that on file for you and that you're comfortable with that. If not, don't sign it, and we'll try we'll destroy it. But they're the three forms that we do need signing. So any questions about any of that? Nope. Yep. Nope. That's okay. Fantastic. Now I just wanted to just briefly before we finish up is I just wanted to run over the goals and objectives that you both had on file with us previously. I just wanna see if they're still current, if there's a couple of new ones we're gonna look at or that you need us to look at. So, Jake, I'll start with you. You wanted to focus on completing the renovation on the investment property and pay down the remaining loan on your p primary residence. Still on track for that? Yep. Yep. Perfect. Sorry. I'm trying to type at the same time. So your retirement goal was in retirement, you'd like to be financial stable and have built enough wealth and investment so you can travel as you please and enjoy your retirement. Still yep. Do you okay. So to make it a little bit more under not understandable for me, but so I can track things and keep you know, project things out. It's hard to project things out when you said eight years away from retirement, but it gives me a good idea. In retirement, based on today's dollars, how much do you think you will both need to live comfortably if you if you give it free? No. No. Sorry. Not as a lump sum, as an income. So would you want 2,000 dollars a week? So you'd be debt free. A 100 grand a year? Yep. Yep. Yep. Yep. Yep. And today's beautiful. Fantastic. Hey. I reckon that's that's the plan. That's my plan anyway. So with regards to your super, it just says you wanna maintain a high active management within your super fund, aiming for higher returns while you're younger and don't have children. Yep. Alright. Yep. Beautiful. And that would be our plan anyway. As you approach retirement, we do start looking at the allocation to growth assets and adjust where needed. Okay. And the last one is you'd like to ensure the assets that you've built are protected if anything was to happen to your current lifestyle and does not change if work wasn't if you're unable to work. So that refers to your income protection. So we're gonna look at that to make sure that, you know, that income is there to protect you. Outside of those and the trauma insurance that we're gonna investigate, any other goals there that you're that you're considering? Or Yeah. Property. Yep. So diversify, basically? Yep. So how were you thinking of doing that? Were you thinking of looking at utilizing some equity in your property to borrow and invest and then contribute regularly from your own cash flow? What were your thoughts? Yep. Yep. Yep. Yep. And how much were you thinking to put in? Would you yep. Mhmm. Yep. Mhmm. Mhmm. Would you put in a lump yeah. Exactly. Okay. So would you yeah. Yeah. Would you look at doing an initial investment amount or just a regular amount over time? What were you thinking? Yep. Okay. Typically, how those an investment portfolio would start is there is a minimum balance that we would recommend be invested. So depending on whatever platform we use, it might be a $5,000 minimum balance. So that would be your minimum contribution you'd have to make up front. So we'd go and we'd go and look at those sorts of things. So based on that, what what are you both comfortable with being the minimum? Because that would help me to kind of look at what options we have. Five to 10? Okay. And as on a regular basis, because I know you said you don't do anything regularly, but the benefit of having a regular investment is essentially what you're doing by default is implementing what we call a dollar cost averaging strategy, which means you're buying investments over time. So one month or, for example, you might be buying assets assets when the market's down. So you're buying them at a reduced rate or a discounted rate. Other times, you could be buying at it when the market's high. So by doing a regular investment, you're taking you're taking advantage of potential ups and downs in the market, which helps the growth of your portfolio over the longer term. So even though you wouldn't necessarily you've said that you don't do do things regularly or anything like that. What we would do is we would probably recommend that for that purpose to help with the long term growth compounding over time. So based on your cash flow, because you're you guys are the only ones that really know what you can and what you can afford and also what you're comfortable contributing, what would you look at monthly putting into a portfolio of that? Yes. So you so you'd you'd be comfortable doing, like, a $500, let's just say, direct debit into it, and then you'd make a a monthly contribution with anything left over ad hoc when you see fit? Okay. Okay. Okay. No. That makes yeah. Yeah. Of course. Yeah. Okay. Yep. Yep. No. That makes sense. So with an investment like that, would you be looking at putting that in joint name? Yep. Yep. Beautiful. Yep. Beautiful. Alright. Alright. Fantastic. I can definitely look at that. So, Tamara, with yours, yours were to review your super insurances and have them best set up and that they're working well for you, which I think we've achieved, but we'd leave that as a continuous goal to make sure that it stays there. We actually, on yours, you've said income of 100 per year for retirement. Do you both when do you plan on retiring? What's your thoughts ideally? Yep. So yeah. Yep. Yeah. Yeah. Yep. Yep. So given the age gap in between you two, there are lots of strategies that we can do as you get closer to retirement. Ideally, would it be 60, like, tomorrow when you're 60 for retirement, or would it be but yourself 67 and Jake 60? What are you what are you guys thinking? Would you do you obviously wanna retire at the same time? Sounds yep. Yep. Financially, you can achieve it. What pays the bills? Yeah. I understand. Understand. Okay. Alright. Beautiful. We also had your insurances you wanted to review, which you we've done. So your income protection and your trauma. So we what we would do now is just continue to maintain that, you know, it's fit for purpose and it meets your goals and objectives. We'd review it each year. You had the same same goal as Jake in respect to complete renovations, get the investment property, and pay down as much debt as possible on your primary residence, and you and you would like to be debt free in retirement. Yeah. Yep. Beside any yeah. Any any goals and objectives there that we have missed or you think need to be included? Yep. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Yeah. Yeah. Yep. Yep. Obviously. Yep. Yeah. Okay. Do you have a time frame where you're thinking of having children? Yep. Yep. Beautiful. Yeah. Yeah. Yeah. Yep. Of course. Yep. Best of luck with yeah. Yeah. Well, best of luck with that. I have two IVF babies myself. I know the the journey well. So if you ever have any any things you wanna chat about, give me a call. Yes. Yeah. Of course. The whole process together, so a whole cycle being egg retrieval, that was about, I think, $12,000 all up, and that included one transfer, and then the transfers were about $3,000 each. So private health covered a little bit of it. Medicare covers a little bit of it, but the the other side is is that you hit your oh, gosh. It's escaped me. Your Medicare threshold rather quickly. So or so you you tend to get more back from Medicare after your first your first cycle. So I think out of pocket, it was probably about $8,000 after everything. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, I went through two two cycles, two full cycles. The for me, the reason was I had endometriosis pretty bad. That's why I couldn't fall pregnant naturally. But I found that out once I started seeing the specialist, the IVF specialist. So there's lots of reasons. And if you have a good one, they can give you a pretty good idea once they've found out what the issue is as to yep. Yep. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. You're probably you're probably fine. There's a reason. I didn't know anything about endometriosis until I was yes. Yes. Yes. Still do, but yes. Yep. Yep. Yep. And and, unfortunately, the thing with that is is they can't see it on a scan. The only way they actually see it is through what they call a laparoscopy. So, basically, they're going through your belly with a little camera, general anesthetic, and that's when they can properly diagnose it, and they remove it all at that time. So I ended up having both my tubes removed because I I had it that bad. So yeah. And mine mine I remember my mom when we were younger suffering from pretty much the same things I suffered from, but she wasn't aware what it was back then. So yep. Yep. No. No. I'm happy to share because, you know, my my experience is that I had no idea, and I wish there was more information and education for girls. Because if I had have known that that was something, I probably would have been onto it a lot earlier. Yep. Yes. Yes. Of course. Yep. Yep. Yeah. Yep. Yep. Yes. Thank gosh. Yeah. You you've you'll be surprised. There will be a reason. And, you know, I've when I knew nothing about it. And then all of a sudden, out of nowhere, I think probably my sister-in-law ended up having to have IVF because she had endometriosis. One of a couple of my work colleagues, it's so, so common. And we just they just there's no way to diagnose it without having a without the doctors actually going in and having a look, unfortunately. The sore? No. Nope. That was during the whole IVF process. So when I went and saw the IVF doctor, the first thing that they wanted to do was go in and have a quick squeeze to see what was going on because my scans weren't really providing any information. I had a bunch of blood tests done to make sure, you know, they check for yep. They check your and quality as well somehow through your blood, but I know how they do that, but they do. Yeah. And then yeah. Yep. So the very first thing we did before we even started a IVF cycle, so you're growing your eggs and retrieving them, was the laparoscopy where they went in, and that's when like, he said to me from my just conversation with him was that more than likely, I will be having a tube removed at a minimum just based on the information I gave him, and they ended up removing a fair bit of endo. And, then I went straight in yep. I went straight into a cycle the next month, and I fell pregnant the first time around because my insides were nice and clean and suitable for a little baby. But my next one my next one, I had a little bit more. I think we went through a full cycle, and we ended up my Jaxi was probably the second last embryo we had left. And I think we went through three three transfers before we got Jack's and another full cycle of egg retrievals. But no, I am so happy I'm so happy to share. It is it is really taxing emotionally just because of the hormones. Jake, you have to be extremely no, Jake. You've gotta be extremely quiet and supportive, and don't argue about anything. It does it it It it does it does. No. You're you're absolutely fine. No. You're absolutely fine. No. Yeah. No. I'm always happy to have a chat about that. So let tomorrow know if she ever needs needs a chat or, you know, you see the doctor and you wanna share your thoughts and what they've said, I'm always happy to have a chat about that. It's it's yeah. It's really it's a it's a hard road to go down, but as long as you're both on the same team and support each other, it's so much easier. Yeah. Yeah. Yep. No. I'm sure you guys will absolutely have a positive result. It's just it's the the road you gotta navigate just to get to there. It can be a little bit deflating at times. Yeah. And, you know, I don't know. Yeah. Yeah. Yeah. I would I would definitely ask them to do well, if there are any any decent, they'd do some investigating before you even started because, otherwise, what's the point of wasting all that money if, you know, the the body is not able to hold the little embryo. So yeah. But if you're just doing an egg retrieval cycle, that's different. I mean, you don't necessarily need to know about endometriosis until you do the transfer. Yeah. But always yep. Yep. No. No. They'll test all that too. They'll test all that for you too. Yeah. Exactly. Oh, well, I hope everything goes well. I'm very excited to hear how you go. Do you have a doctor down there that you you're seeing? Yep. Yeah. Yep. Yep. Fair enough. Fair enough. Well, I I really look forward to hearing how you guys go. And, also, please tell Tamara if she I know it's a pretty lonely road. When I did it, I didn't oh, no. That's okay. I was yep. Yep. Yep. Yep. Yeah. So as I was just saying to Jake was, if you're just doing the egg retrieval and freezing, the laparoscopy is not probably really urgent. But before you do a transfer, definitely have the insides looked out because otherwise, it won't it won't stick, basically, and it sucks. Mhmm. Yeah. Yeah. Be prepared to put on some weight. Yeah. I yeah. Definitely, everything's emotional. Probably prepared to put on some weight. Like, the the hormones really do mess with you. Weight, I know everyone that I've spoken to does not significantly, but you'll feel a lot more bloated and look a lot more bloated than you probably generally are. And, yeah, I mean, it's just it'll go back it'll go back to normal, but you will feel very, very bloated. Yeah. It depends. So depending on what drugs they decide you need or hormones, it can be a couple of different injections a day, one injection a day for a period of two weeks, and then it will change for a to a different one. So they'll give you a schedule and a run sheet basically that with all your drugs and a needle box to take home. And yeah. Yeah. But most of them you know, like an EpiPen? Most of them most of them are like that these days. I think I only had one that I was an actual injection needle during the egg retrieval phase. But, again, that was a little while seven to ten years ago now for my two, so things have probably changed a lot since then as well. It's probably easier with in respect to the the administration of the hormones. So definitely worthwhile doing. But, yeah, I'm as I was just saying to Jake, if if he's got any questions or you're not sure of anything or you just want someone to talk to that's been through it, I'm happy to sit here and have a chat. Yeah. Absolutely. Yes. It is. Yeah. It is scary. Yep. Yep. Yeah. Yeah. Yeah. Both my sisters have fallen pregnant naturally, but not me, so I understand that. No. I'm the first. They're the youngest. So yeah. So, yeah, they they were fine. But in saying that as well, I was older. When I had mine, they were younger, so that might have had something to do with it as well. Yeah. Yeah. Yep. So Yeah. Yeah. Yeah. Okay. Yeah. So, yeah, I think you'll get you'll definitely get some information from your doctor, and they'll be able to help you navigate what's going on and how you can do it. Yes. You must do that. Alright. Well, do you have any questions for me from an advice perspective at the moment? Yes. No. Mhmm. Mhmm. Yes. I do. Unfortunately, no. The reason being is you wouldn't have reached your preservation age yet. So what you're thinking of is probably something where we would maximize age pension if it was there, where we would roll if Tamara was at age pension age, we would roll cash out her super and look at contributing it to yours and sheltering it in yours because it wouldn't be assessable by Centrelink until you reach the age pension age. So that's one way. And by then, you would have reached preservation age so you could access your super through ad hoc withdrawals, etcetera. But that's one way to maximize age pension for a period of time until you reach age pension Now we would just investigate that as we got closer, and that's what I was referring to given the age gap between the two of you. There are for retirement purposes. And as we get closer to that, there are things that we can do. But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date. So we'd leave yours invested and growing, and yours would kick in at a later date and substitute than tomorrow's. Yeah. Yeah. So there's things yeah. Because you can't yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Well, it's always, you know, at the end of the day, if if it's still around then and things like that, there's strategies that we can use to avoid drawing on your super and using your personal wealth. So, you know, I always terrible to say, but, you know, free money for a period of time if you can get it to supplement your income. Yeah. Exactly. Yeah. So they're they're just things we keep an eye on over over time, and they're not things that we need to consider now. But as retirement approaches, we'd definitely be looking at those type of different type of strategies that would benefit you both in the lead up to retirement. Yeah. No. That's no. Ab absolutely fine. Alright. Beautiful. And are you both happy with annual reviews, or would you like yeah. Yeah? Okay. Beautiful. And as I said, any questions in the meantime between now, your next review? My job from here is I'm going away to do some homework, some research on insurance investments, and then I am gonna one of our team will reach back out to you in about two weeks to book in a time for a second meeting, which we will accommodate when you guys are off swing at home and present the advice to make the changes that we're gonna look at. Absolutely. Send it through to me. Absolutely. I one of my action items is to check with the insurer whether they will consider removing the exclusion. But, yeah, send it through to me, and we'll see what they say. And then, additionally, you know, we might be able to say to another insurance see if there's another insurance company that wouldn't apply an exclusion based on the fact that you've had the genetic test. So, yeah, send it through to me, and we'll go from there. No worries. I'll speak to you both soon, and enjoy the rest of your day. Okay. 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Is this Jake? Hi, Jake. It's Jenna here phoning from Oakview Financial. How are you today?\n\nThat's good. Just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And I just for security purposes, just get you to confirm your full name and date of birth and address, please.\n\nFantastic. I'm phoning today to complete your annual review. Do you still have time for that? Yep. And is Tamara with you?\n\nYeah. I'll and I'll just ID Tamara when she gets on the phone too. Yeah? Beautiful. Hi, Tamara.\n\nMy name is Jenna. How are you today? I'm well. Thank you. Can I just get you to confirm your full name, date of birth, and and address, please?\n\nBeautiful. Thank you so much for that. I am just phoning to complete your annual review of your superannuation and insurances. You will sure I'm gonna send through an email that you both will receive. You may even receive a double up, so I apologize.\n\nI'm gonna look at that email second to what I'm gonna run through first, but I just will hit send so they're in your inbox waiting when we get to that stage. That's just your review pack. Before we start the review, what I like to do is just run through and make sure that all the information that we have on file in relation to your personal and financial situation is still current. So first of all, I'll confirm you're still de facto? Yes.\n\nBeautiful. Sorry. It's always an awkward question to ask. And do you both do either of you have any dependents? No.\n\nAnd are you both happy to continue to be nominated as each other's next of kin? Yep. Beautiful. Jake, I'm gonna start with you from an occupation perspective. We have you down as an NDE technician slash painter.\n\nIs that still correct? Yep. Can I ask just for curiosity? What does the NBT stand for? Okay.\n\nOh, okay. No. Oh, wow. That sounds interesting. Still pretty cool.\n\nAnd your is your role mainly, like, off-site or in an office? Yep. Okay. Beautiful. And are you still full time are are you I've got here full time slash sole trader.\n\nWhat are you still a sole trader? Yep. Yeah. Yep. Alright.\n\nFantastic. So you contract to a mining site or whoever? Okay. Beautiful. Origin.\n\nAnd is that still a two and two roster? Yep. Beautiful. Where do you travel to for the oh, nice. Yeah.\n\nI was gonna say it's a bit of a hike. So we've got your income down as a 140. Is that correct? $1.47. Okay.\n\nAnd is that plus super? Fantastic. Now as a whole how whole household, we've got your expenditure as $3,500 a week. Does that sound correct? Just all your expenses.\n\nYeah. Because I wonder if that includes your mortgage as well. It said 3.5 a week. Yeah. And I think does that include mortgage repayments?\n\nOkay. And yeah. Of course. Yep. That's fine.\n\nAnd do you get a rental income now? And and how much is that? Beautiful. Sorry? Oh, Sorry?\n\nAlrighty. Okay. And do you have any savings per week as a household? Yep. Yep.\n\nMhmm. Yeah. Beautiful. Yep. Absolutely fine.\n\nUnderstand. Outside of what you get from your employer for superannuation, do you make any other additional contributions to super? Nope. Yep. Did you want to consider that?\n\nNot jump over to your document and just check your in car your, sorry, occupation and income. I've got you down as nondestructive testing technician. So do you do you both do the same thing? Yeah. Oh, cool.\n\nAre you on the same roster? Or oh, that's a oh, that's nice at least. I remember my husband used to do FIFO, and it was lovely having him gone, but it was lovely when he got home as well. I got a nice balance. Okay.\n\nSo and are you employed by Origin as well? Okay. Beautiful. Yeah. Beautiful.\n\nFantastic. And your your roster's the same. And is your has your income gone up at for the same amount? Beautiful. So I'll put that.\n\nI can double that up. And with super, are you making any additional amounts? No. Are you wanting to? Very good.\n\nVery good. That's what I mean, it's something to consider. I mean, you've got your tax tax strategy in place, obviously, with the investment property, but salary sacrifice is also an Yeah. Oh, no. Oh, Oh, no.\n\nYep. Yeah. I under I that. Well, have a chat with them about what their thoughts are for future strategies regarding tax, and we can help with that if that's something that you wanna look at. Beautiful.\n\nBeautiful. I can touch on that in a moment too. I'm gonna flick to your assets and liabilities now. So we've got your PPR. So this is the house in your sorry.\n\nYour prince principal place of residence. This is your house in Tasmania. Is that right? Yep. We've got that valued at $7.50 with a debt of $1.20.\n\nDoes that sound correct? Yep. What what do Yeah. Beautiful. Lovely.\n\nNest egg there for you guys. That's fantastic. And the investment property, where is that located? Yep. Georgetown.\n\nBeautiful. And is it owned jointly? Yep. Beautiful. And we've got that valued at 600 with a debt of $4.38.\n\nThat's okay. Do you have yeah. Do you have the address of it? Yeah. Georgetown.\n\nOh, okay. Oh, okay. Yeah. Okay. Yep.\n\nYeah. But dot their i's and cross their t's. Yeah. Okay. That's alright.\n\nWe'll leave it at 600. That's beautiful. So with the properties, are they owned as tenants in common or joint tenants? Yes. Okay.\n\nYeah. So there's a there's probably worth having a look at your contracts of purchase. And it means basically a tenant in common means that your portion of the property passes through your will. So it's always important to have a will in place. Whereas if it's joint tenants, it will just automatically pass to the other person.\n\nSo that's probably why I ask only because fantastic. Yep. Beautiful. And when were they done just recently? Oh, beautiful.\n\nAnd did you get powers of attorney done with that? Oh my gosh. Look at you. I'm so proud. There's no you know what?\n\nYou would think that it would be really common that people would have these in place, but they they just don't. Yeah. Yep. Yep. Mhmm.\n\nBeautiful. Fantastic. Yes. Yes. Oh, yes.\n\nYeah. Yep. No. I've seen some in my time. I can tell you that.\n\nSo when you do have those finalized, if possible, are you able to email me a copy of them? Even the reason why we ask is we keep them on file because like, I'll use yesterday as an example. One of you would have passed away yesterday. Even though you are recorded on our system as, you know, spouses, partners, we're actually unable to talk to either one of you until we have those documents. So if we already have them on file, that just actually takes away a a level of stress that you probably wouldn't need at that time.\n\nYeah. Yep. Yep. Yeah. Oh, fantastic.\n\nThank you. Now I also have a camper van here for 60,000. Is that correct? 60 thousand dollars? Oh, 16.\n\nOkay. Okay. Fantastic. Sign and seal and delivered. And I have some crypto at 800.\n\nIs that still correct? Yeah. Yep. Beautiful. Jake, I have some crypto here for you for 3,000.\n\nWould that still be right? Eight. Yes. Beautiful. Is that sorry.\n\nThat's what? Oh, beautiful. And alright. Fantastic. Thank you.\n\nAnd I've got a DMX here at twenty five thousand dollars with a $10,000 debt. Beautiful. Still about 25. Beautiful. And I also have an offset account here for 90,000.\n\nWould that be correct? That's still pretty good, guys. Something to be very proud of. Alright. It it's life.\n\nYeah. I get that. Any other assets or debts that you are aware of? Jet ski. Yep.\n\nAnd what yep. Beautiful. Alright. Any debt on that one? No.\n\nFantastic. Alright. Beautiful. And, hopefully, that's nice and short. It will be.\n\nYeah. You Yep. So can I ask, are you engaged? Okay. Beautiful.\n\nCongratulations. Oh, and yeah. Beautiful. Fantastic. Alright.\n\nSo from a health perspective, I just need to run through the details details that we have on file. Tamara, I've got that you were an ex smoker about five years ago. Is that still correct? Beautiful. Do you take any medication?\n\nBeautiful. Did you take any medication? No. You've got private health insurance? Yep.\n\nBeautiful. Is it with the same company? Yep. Okay. Beautiful.\n\nBecause I've got Saint Luke's on one and nothing on yours. So just yes. So I thought I'd just double check. Alright. Fantastic.\n\nAnd, Jake, any are you still a non smoker? Yep. Beautiful. Fantastic. Thank you.\n\nAlright. Beautiful. Now I if you have access to your emails, can I ask you to open them up? If you don't, that's okay. I can still run through the documents.\n\nBut yeah. Just if you have access. Beautiful. Yep. Yes.\n\nSo if you hit sign, what it's gonna do is open up a bunch of documents. You're not actually signing anything. We're just gonna talk through the documents. There are some that we need signing at the end, but you don't sign them until you're comfortable and you've had the the review. Nelly.\n\nOkay. So I'm hoping that these are gonna be in the correct order. So just the way they're packed together. But the first document I'm assuming is the is Jake's summary of super inch and insurances. So we've got the hub 24 count account for Jake sitting at a balance of 91,000 638.\n\nAnd then your insurances through a Now that's significantly lower than probably what you're able to get, but also what your expenses are. Realistically, based on a 147,000, your sum insured should be sitting around $8,500 a month. So I I guess that's something that I really do need to flag with you whether you wanna look at increasing that. Yeah. Yeah.\n\nSo I'm going to do some investigating. How long ago did your wage increase to $1.47? Mhmm. Yep. Yep.\n\nSo were you on $1.40 at least for the last twelve months? Like, if you you could prove that. Alright. So if we look at one thirty eight as the base because how income protection works is we can sure insure up to 70% of your gross income. So if you're happy for me to work on one thirty eight as an average, I'll do some figures, and I'm going to go and investigate that a bit further.\n\nYep. Okay. Beautiful. Alright. Alright.\n\nNow, Jake, with your policies, would you like us to go to market? Basically, that means is we'll go and have a look and make sure that Cal is still competitive price wise definition and all that wise. The reason I ask is you from that brief questionnaire that I asked, do you have any preexisting medical conditions, anything that from an because you'll have to go through full underwriting again. So you might recall when you did these policies. Yep.\n\nYep. Okay. Yeah. I'm I I'm not sure actually how that works, but I I would have assumed so. Trauma insurance is something that Tamara has, but you don't.\n\nSo I just wanted to cover that off with you. I'm Do you know what trauma insurance is? Okay. Okay. Yep.\n\nOkay. So trauma insurance is a policy that pays a tax free lump sum amount on the event that you're diagnosed with a critical illness. So a trauma policy covers it's just over 40 defined, diagnosable conditions, and they range from different type yeah. To different types of cancer to stroke, heart attack, and just depending on the severity of it. And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely.\n\nIt's just that it's designed to help with the the financial stress that comes with those. So the out of pocket medical expenses, those types of things, because even in the public system, unfortunately, with some some illnesses, there is still always an out of pocket. So it's it's probably something worth looking at. Tamara does have some. She's insured for a 100,000 for your trauma insurance.\n\nSo if you is there any specific amount you would like cover for, or would you like me to go away and work an amount that's suitable? Yep. Alright. Beautiful. In some cases, your income protection might kick in.\n\nIt just really depends on the the trauma is kind of like a fail safe. So you've got a four week waiting period, thirty days on your income protection. So what that means is if a doctor says, you know, for example again, I'll use yesterday, someone was diagnosed with I don't know. Maybe he suffered a heart attack. It was of the right not the right.\n\nSorry. But the it met the conditions of a claimable event. You might be back at work within a five, six week period of time frame. That means you're not gonna get your income protection. You might get a week or two.\n\nBut you might also decide that you're not ready to go back to work. So that's where this this kind of falls into place. It gives you that leeway to make that decision. Like, you might go, actually, you know what? I'm I'm not ready.\n\nI need another few weeks. Yeah. Yeah. Exactly. So that's kind of the benefit of the trauma insurance in that respect.\n\nIt gives you the ability to make a decision because, unfortunately, even when we are diagnosed with things meeting the standards of not being medically fit for work is difficult. Sorry? Yeah. Yeah. So I'll have a look at that for you as long as well as your income protection too.\n\nTomorrow, we've got your hub 24 at the balance at 202,587 for your super. You've got your policies are structured a little bit differently mainly because I do note that you had an exclusion for breast cancer and ovarian cancer on your TPD income protection and trauma cover. Is there a family history there? Yep. Okay.\n\nOkay. Beautiful. First of all, I'm sorry to hear of your loss. That's awful. Leave that with me.\n\nI'll investigate and revert back to you, and we can definitely go from there. I'll find out what the insurance company says. But based on your financial your I'll go back to life in a minute for both of you. But your income protection sitting at 8,166 a month. Are you happy with that amount?\n\nBeautiful. Okay. And you've got your trauma cover sitting at a 100,000, and you also hold a little hold your TPD outside of super as well, which costs you a little bit per month out of your personal cash flow. And that just helps with the definitions of being eligible to have a TPD claim. That's why it's structured that way.\n\nAre you happy with that? Yes. So with your life insurance policies for both of you, Jake, you're insured for just shy of 1,000,000. Tamara, you are insured I'm just gonna quickly add them up because there's a couple of different policies. And, Tamara, if we are able to remove that, we might be able to get combine some of your policies for you to clean it up for you.\n\nYou're insured for life insurance for about $840,000. I I guess the question is, are you both comfortable with that level of cover? Did you wanna look at increasing it based on debt? What are your goals? I mean, it's gonna cover your debt anyway.\n\nYep. Yep. Yep. Yep. Alright.\n\nPerformance reports. So the if I'm hoping, if you can confirm that that's the next document for you both. Beautiful. Might have to jump out and reopen it. I'm not sure how to go back.\n\nI'm sorry. I don't I'm not very we're up to the 20 four. Yep. So the first one I've got up is Jake. Is that what you're seeing?\n\nYep. So performance wise, if you look at the second page, you'll see a net performance of 1.66%. Now not great. There is a reason for that. So that's net of fees.\n\nIf you look at the first page, you'll see the Bennelong Australian Equities Fund with a negative return of 15.01%. Now to explain why that's happened, it's not that the Australian share market itself has performed badly. It's Benelong's investment mandate. So their mandate is being an active manager, which means they will look at the Australian share market and the companies within there and try and identify undervalued assets or growth opportunities. Now, unfortunately, it has become a a negative return that we're can over appear sorry.\n\nSorry. Hang on. Let me see. No. That's okay.\n\nSometimes it's this headset and the the volume on it. Is that a bit better? I just turned it up. Is that yeah. Okay.\n\nSorry about that. I'll start again. Bennelong has not performed well, it's not a it's it's just that their investment mandate. So what they do is they look at the Australian share market and try to identify companies that are undervalued for growth opportunities. Growth winners in the market.\n\nSo it's not that the share Australian share market has plummeted or not performed. It's that the has plummeted or not performed. It's that the Benelong's mandate hasn't aligned with how the market has actually performed. So what we're doing is we don't rush to replace underperforming assets. We take a an approach based on observation, education, looking at the market, the trends.\n\nAnd what we've identified is that we do wanna look at replacing the Bannalong Australian Equities Fund because the that we don't agree with their investment mandate at the present time. So that has had a negative impact on your portfolio because as you can see from the rest of your portfolio, it performs very well. So that's what's brought down your overall return. The fact that Ben along hasn't been able to well, the market hasn't, you know, performed in the way that suitable for their investment mandate. So if it's okay with you, what I wanna do is have a look at your whole portfolio to make sure that it's still in line with what you're hoping to achieve and also look at alternatives for Benelon.\n\nYep. Any questions about your portfolio as a whole? Yes. Yeah. Yeah.\n\nYep. Yep. Yep. So you've got a fair few satellite one. We call them satellites.\n\nSo they're the ones that float around your bigger assets in the portfolio, and you've got quite a few, let's call them niche. So you've got your global global cyber. You have your global battery tech and lithium, which are great performers in the last twelve months due to, you know, the ongoing development of AI and the need for cybersecurity. Battery tech and lithium took a boost recently because of the conflict in Iran and, you know, the petrol the diesel and petrol and all that sort of stuff. But you also have a great exposure to the whole world.\n\nSo you've got some Asia and Europe exposure. You've got some American exposure. And so along with global, you've got some niche markets as well and also economies exposure. So it's a it's a good it's a good allocation, but as performance of the portfolio as a whole, but Benelon itself is one that we definitely need to look at alternatives. Yep.\n\nThe next document is yours, Tamara, with performance. So you do not hold the panel on. Yep. Yep. So your net return was 5.37.\n\nThe one in your policy that policy, sorry, portfolio that I'd like to probably just have a look at is the first one, the bank hybrids. So you don't have a significant exposure to them, but the banking system in Australia is changing. And from January 2027, the bank hybrids will be phased out. What I'm doing with the clients that I speak to and is just being proactive in a sense because I don't know what's gonna happen. They're performing well at the moment.\n\nYou know, the rate the income produced off them is is pretty what we'd expect from a bank hybrid, but I don't know what the replacement alternative the banks are gonna offer. So what I'm wanting to do is do a little bit of research for the client for my clients just to look at alternatives rather than wait and see. I'd like to be a little bit more proactive in that respect, if that's alright with you. Yep. Your portfolio as well, you have you've got your Global Cyber in there.\n\nYou've got some Gold Holding. Both your portfolios are a little bit different. You've got, rather than a lot of niche little, satellites, you've got more, country exposure. So you've got some Europe, Japan, the all world, world, excluding The US, but you've also got your US S and P 500 exposure. So yours is more economy based rather than satellite and niche based.\n\nSo are you are you happy with your portfolio? Do you wanna have a look at alternatives in relation? Or Yeah. Mhmm. Mhmm.\n\nMhmm. Yeah. And and well, that Yep. Yep. Yeah.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nOkay. So the next document I've definitely made notes of that, so I'm gonna have a look at that within your portfolio. The next document is probably a really good one. It's called the Vanguard index chart. Is that what you see?\n\nBeautiful. So this probably links really well into concerns about recessions and fluctuations or what that's a nice way of saying it. Let's just call it what it is, volatility. So at the both of you are invested as well, Jake, you're invested as an aggressive risk profile, which means basically, you're happy to have about a 100% of your superannuation invested in the top four. So on the right hand side of the page, you'll see US shares, Australian shares, international, and Australian listed property.\n\nThey're what we call our growth assets. So your risk profile at the moment says that you're happy to invest a 100% of your superannuation funds within that sector. Now it's not. Your portfolio is not. You have about 93% of your funds invested in those top across those top four with about seven in defensive assets being your the next two down, bonds and cash.\n\nSo are you still comfortable taking that approach? Yep. Yep. Yep. Mhmm.\n\nSo in that sense, what I'm gonna do is explain how Tamara is invested, and you can let me know your comfort level with that. Alternatively, we can then also go and complete a risk profile. So, Tamara, you're invested as a high growth investor, which is the step down from Jake. And what that means is you would typically have 90% invested in those top 410% invested in the bottom two. Now your portfolio at the moment is literally sitting at ninety ten.\n\nSo you've got 90% of your funds invested in those top four, which is why which is the growth you've seen. Now when you look at that chart, you'll see that those top four are the most volatile. Along along the top, just you'll see some black writing. They're events that have occurred in time that have impacted the market, whether it be negatively or positively. And what this chart is what I like to use this chart when talking to clients is is to show you, yes, events happen, that the market re and how the market reacts to certain events.\n\nFor example, war, you know, the market can react extremely positively. COVID nineteen, as I'm sure you remember, it tanked miserably. Yep. Yep. Yeah.\n\nExactly. Yep. So what I for from because we're talking about your superannuation, for example, Jake, based on today's legislation, you've got about thirty years until you can access your super. Tamara, you've got about twenty three years. So when we talk about your tolerance to risk, we also look at time frame.\n\nNow if we consider the fact that you're not able to access for those amount of years that I just suggested, a high growth portfolio, the way you're invested tomorrow, suggests you have to be invested for a minimum of eight years to withstand and ride the wave of market downturns. So given it's your superannuation and you've got limitations as in when you can access it, that's a different scenario if we're talking about personally held investments where you might wanna be a little bit more conservative because you're you'd be accessing it. So from the, you know, first reward, I like to call it passing the sleep at night test. You know, you don't wanna be having anxiety about the market, but we also probably need to take into consideration that you have significant time on your hand to take risk and ride it out in relation to your super. If we were talking about a personally held investment, a different story because it would be accessible, and it might be short term that you're looking to invest for or, like, with short term goals.\n\nAnd by short term, I do probably mean at least a seven year time frame. But yeah. So I I think based on that, I'd be interested to understand your thoughts on how you'd like your superannuation invested, indication of Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yes. And yeah. That I so are you happy to maintain a high growth approach tomorrow?\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. And what about yourself? Yep. Yeah. Yeah.\n\nYeah. Mhmm. Yeah. Yep. No.\n\nThat makes sense. And and it's it's also not necessarily about what I think or and it it's your comfort level. So if you're given how you're feeling about the future economy and where things are sitting, if you're more comfortable with a ninety ten, I think that that's the right decision to be made for yourself at this time. And, again, we are we're constantly we meet and we talk and we discuss things annually. And if things change, we adjust then or earlier if you if there's something that you need to reach out to us before then.\n\nSo there's sorry? Yeah. The yeah. Yeah. Right?\n\nNo. I think that the I yeah. I think that'd be a big uproar if I tried that, and there'd be some serious consequences there. Yep. Yep.\n\nYeah. And you guys sound pretty financially astute. You know, if if a just a question. If the market was to take a turn, what what do you think you would do? Would you sit and wait?\n\nWould you invest some more? Yep. Yes. Yes. Yes.\n\nStill being financially. Yep. Yep. Beautiful. Yep.\n\nYep. Yep. It does. Well, I don't think you need to assume that, so we'll make sure. We'll you'll you've got yeah.\n\nYou've got you've got a backup plan. Yeah. Yep. No. I like that.\n\nOkay. So the next couple of documents are your insurance, just your certificates of currency. So it just shows that they're in fourth, what you're insured for, we've been over those a couple already. So that's just for your information, basically. I'm gonna go away and look at the IP and trauma for you, Jake.\n\nThe so after all those certificates of currency, I think there's about four of them, we go into the Oakview services guide. So that's our financial services guide. It tells you who we are, who we're licensed by, that we're licensed with ASIC. So, you know, we tick all the proper boxes, how we provide advice, the type of advice we provide, our general fee structure, and probably the most important part of that document, to be honest with you, is the complaints process. You know, it sure that, you know, it is clear how complaints can be made should you feel that you need to.\n\nSo that's on the Yeah. No. It's import it's an important document because it does outline, you know, if we do if you feel we do the wrong thing, which I should hope would never be the case, but it is it's there in any case for you to refer to. And and the FSG can also be found on the website if you lose your review pack by any means. The next documents are your ongoing fee arrangement.\n\nSo this is to continue engaging us as your adviser. So how this is yep. It it's how it's calculated is on a percent base fee of 1.1. It's discounted because you'll take your client you're you're both clients. You're a couple.\n\nSorry. I'm struggling to get my words out now. So how that will work for yourself, Jake, is that will be deducted monthly at approximately $84 a month, your fee, which is an annual fee of $1,008. Tamara, yours is gonna be higher because you've got a higher balance, and it is a percent based fee. And yours would sit at about a $185.70 a month, deducted monthly from your hub account.\n\nWhat that that provides you, the fee, is our rate our annual reviews, but you're not limited in that respect. So should something come up, say, for example, in, I don't know, six months' time, you've seen the account, and the account says, oh, yeah. Go do your sacrifice. Reach out. We'll start that process.\n\nIf you've got a question about your insurance policies or, you know, one of your mates said to look at this as an investment option, you know, just pick up the phone, give us a call. You're not limited in your contact with us. That's just how the the fee is based. So if beautiful. There you go.\n\nIf it works, it works. So if you are happy to both continue as clients, I ask you to sign those. Not right now, but, you know, when you're comfortable. And then the last document is just for yourself, Tamara. It's a tax file number form, and it's just letting you know that we hold your tax file number on file from a super and insurance perspective.\n\nWhen that was set up, we had to provide those to make sure that your superannuation isn't taxed at a higher rate rather than an Australian tax resident. So it's just acknowledging that we hold that on file for you and that you're comfortable with that. If not, don't sign it, and we'll try we'll destroy it. But they're the three forms that we do need signing. So any questions about any of that?\n\nNope. Yep. Nope. That's okay. Fantastic.\n\nNow I just wanted to just briefly before we finish up is I just wanted to run over the goals and objectives that you both had on file with us previously. I just wanna see if they're still current, if there's a couple of new ones we're gonna look at or that you need us to look at. So, Jake, I'll start with you. You wanted to focus on completing the renovation on the investment property and pay down the remaining loan on your p primary residence. Still on track for that?\n\nYep. Yep. Perfect. Sorry. I'm trying to type at the same time.\n\nSo your retirement goal was in retirement, you'd like to be financial stable and have built enough wealth and investment so you can travel as you please and enjoy your retirement. Still yep. Do you okay. So to make it a little bit more under not understandable for me, but so I can track things and keep you know, project things out. It's hard to project things out when you said eight years away from retirement, but it gives me a good idea.\n\nIn retirement, based on today's dollars, how much do you think you will both need to live comfortably if you if you give it free? No. No. Sorry. Not as a lump sum, as an income.\n\nSo would you want 2,000 dollars a week? So you'd be debt free. A 100 grand a year? Yep. Yep.\n\nYep. Yep. Yep. And today's beautiful. Fantastic.\n\nHey. I reckon that's that's the plan. That's my plan anyway. So with regards to your super, it just says you wanna maintain a high active management within your super fund, aiming for higher returns while you're younger and don't have children. Yep.\n\nAlright. Yep. Beautiful. And that would be our plan anyway. As you approach retirement, we do start looking at the allocation to growth assets and adjust where needed.\n\nOkay. And the last one is you'd like to ensure the assets that you've built are protected if anything was to happen to your current lifestyle and does not change if work wasn't if you're unable to work. So that refers to your income protection. So we're gonna look at that to make sure that, you know, that income is there to protect you. Outside of those and the trauma insurance that we're gonna investigate, any other goals there that you're that you're considering?\n\nOr Yeah. Property. Yep. So diversify, basically? Yep.\n\nSo how were you thinking of doing that? Were you thinking of looking at utilizing some equity in your property to borrow and invest and then contribute regularly from your own cash flow? What were your thoughts? Yep. Yep.\n\nYep. Yep. And how much were you thinking to put in? Would you yep. Mhmm.\n\nYep. Mhmm. Mhmm. Would you put in a lump yeah. Exactly.\n\nOkay. So would you yeah. Yeah. Would you look at doing an initial investment amount or just a regular amount over time? What were you thinking?\n\nYep. Okay. Typically, how those an investment portfolio would start is there is a minimum balance that we would recommend be invested. So depending on whatever platform we use, it might be a $5,000 minimum balance. So that would be your minimum contribution you'd have to make up front.\n\nSo we'd go and we'd go and look at those sorts of things. So based on that, what what are you both comfortable with being the minimum? Because that would help me to kind of look at what options we have. Five to 10? Okay.\n\nAnd as on a regular basis, because I know you said you don't do anything regularly, but the benefit of having a regular investment is essentially what you're doing by default is implementing what we call a dollar cost averaging strategy, which means you're buying investments over time. So one month or, for example, you might be buying assets assets when the market's down. So you're buying them at a reduced rate or a discounted rate. Other times, you could be buying at it when the market's high. So by doing a regular investment, you're taking you're taking advantage of potential ups and downs in the market, which helps the growth of your portfolio over the longer term.\n\nSo even though you wouldn't necessarily you've said that you don't do do things regularly or anything like that. What we would do is we would probably recommend that for that purpose to help with the long term growth compounding over time. So based on your cash flow, because you're you guys are the only ones that really know what you can and what you can afford and also what you're comfortable contributing, what would you look at monthly putting into a portfolio of that? Yes. So you so you'd you'd be comfortable doing, like, a $500, let's just say, direct debit into it, and then you'd make a a monthly contribution with anything left over ad hoc when you see fit?\n\nOkay. Okay. Okay. No. That makes yeah.\n\nYeah. Of course. Yeah. Okay. Yep.\n\nYep. No. That makes sense. So with an investment like that, would you be looking at putting that in joint name? Yep.\n\nYep. Beautiful. Yep. Beautiful. Alright.\n\nAlright. Fantastic. I can definitely look at that. So, Tamara, with yours, yours were to review your super insurances and have them best set up and that they're working well for you, which I think we've achieved, but we'd leave that as a continuous goal to make sure that it stays there. We actually, on yours, you've said income of 100 per year for retirement.\n\nDo you both when do you plan on retiring? What's your thoughts ideally? Yep. So yeah. Yep.\n\nYeah. Yeah. Yep. Yep. So given the age gap in between you two, there are lots of strategies that we can do as you get closer to retirement.\n\nIdeally, would it be 60, like, tomorrow when you're 60 for retirement, or would it be but yourself 67 and Jake 60? What are you what are you guys thinking? Would you do you obviously wanna retire at the same time? Sounds yep. Yep.\n\nFinancially, you can achieve it. What pays the bills? Yeah. I understand. Understand.\n\nOkay. Alright. Beautiful. We also had your insurances you wanted to review, which you we've done. So your income protection and your trauma.\n\nSo we what we would do now is just continue to maintain that, you know, it's fit for purpose and it meets your goals and objectives. We'd review it each year. You had the same same goal as Jake in respect to complete renovations, get the investment property, and pay down as much debt as possible on your primary residence, and you and you would like to be debt free in retirement. Yeah. Yep.\n\nBeside any yeah. Any any goals and objectives there that we have missed or you think need to be included? Yep. Yep. Yep.\n\nMhmm. Mhmm. Yep. Mhmm. Yeah.\n\nYeah. Yep. Yep. Obviously. Yep.\n\nYeah. Okay. Do you have a time frame where you're thinking of having children? Yep. Yep.\n\nBeautiful. Yeah. Yeah. Yeah. Yep.\n\nOf course. Yep. Best of luck with yeah. Yeah. Well, best of luck with that.\n\nI have two IVF babies myself. I know the the journey well. So if you ever have any any things you wanna chat about, give me a call. Yes. Yeah.\n\nOf course. The whole process together, so a whole cycle being egg retrieval, that was about, I think, $12,000 all up, and that included one transfer, and then the transfers were about $3,000 each. So private health covered a little bit of it. Medicare covers a little bit of it, but the the other side is is that you hit your oh, gosh. It's escaped me.\n\nYour Medicare threshold rather quickly. So or so you you tend to get more back from Medicare after your first your first cycle. So I think out of pocket, it was probably about $8,000 after everything. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nWell, I went through two two cycles, two full cycles. The for me, the reason was I had endometriosis pretty bad. That's why I couldn't fall pregnant naturally. But I found that out once I started seeing the specialist, the IVF specialist. So there's lots of reasons.\n\nAnd if you have a good one, they can give you a pretty good idea once they've found out what the issue is as to yep. Yep. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. You're probably you're probably fine. There's a reason.\n\nI didn't know anything about endometriosis until I was yes. Yes. Yes. Still do, but yes. Yep.\n\nYep. Yep. And and, unfortunately, the thing with that is is they can't see it on a scan. The only way they actually see it is through what they call a laparoscopy. So, basically, they're going through your belly with a little camera, general anesthetic, and that's when they can properly diagnose it, and they remove it all at that time.\n\nSo I ended up having both my tubes removed because I I had it that bad. So yeah. And mine mine I remember my mom when we were younger suffering from pretty much the same things I suffered from, but she wasn't aware what it was back then. So yep. Yep.\n\nNo. No. I'm happy to share because, you know, my my experience is that I had no idea, and I wish there was more information and education for girls. Because if I had have known that that was something, I probably would have been onto it a lot earlier. Yep.\n\nYes. Yes. Of course. Yep. Yep.\n\nYeah. Yep. Yep. Yes. Thank gosh.\n\nYeah. You you've you'll be surprised. There will be a reason. And, you know, I've when I knew nothing about it. And then all of a sudden, out of nowhere, I think probably my sister-in-law ended up having to have IVF because she had endometriosis.\n\nOne of a couple of my work colleagues, it's so, so common. And we just they just there's no way to diagnose it without having a without the doctors actually going in and having a look, unfortunately. The sore? No. Nope.\n\nThat was during the whole IVF process. So when I went and saw the IVF doctor, the first thing that they wanted to do was go in and have a quick squeeze to see what was going on because my scans weren't really providing any information. I had a bunch of blood tests done to make sure, you know, they check for yep. They check your and quality as well somehow through your blood, but I know how they do that, but they do. Yeah.\n\nAnd then yeah. Yep. So the very first thing we did before we even started a IVF cycle, so you're growing your eggs and retrieving them, was the laparoscopy where they went in, and that's when like, he said to me from my just conversation with him was that more than likely, I will be having a tube removed at a minimum just based on the information I gave him, and they ended up removing a fair bit of endo. And, then I went straight in yep. I went straight into a cycle the next month, and I fell pregnant the first time around because my insides were nice and clean and suitable for a little baby.\n\nBut my next one my next one, I had a little bit more. I think we went through a full cycle, and we ended up my Jaxi was probably the second last embryo we had left. And I think we went through three three transfers before we got Jack's and another full cycle of egg retrievals. But no, I am so happy I'm so happy to share. It is it is really taxing emotionally just because of the hormones.\n\nJake, you have to be extremely no, Jake. You've gotta be extremely quiet and supportive, and don't argue about anything. It does it it It it does it does. No. You're you're absolutely fine.\n\nNo. You're absolutely fine. No. Yeah. No.\n\nI'm always happy to have a chat about that. So let tomorrow know if she ever needs needs a chat or, you know, you see the doctor and you wanna share your thoughts and what they've said, I'm always happy to have a chat about that. It's it's yeah. It's really it's a it's a hard road to go down, but as long as you're both on the same team and support each other, it's so much easier. Yeah.\n\nYeah. Yep. No. I'm sure you guys will absolutely have a positive result. It's just it's the the road you gotta navigate just to get to there.\n\nIt can be a little bit deflating at times. Yeah. And, you know, I don't know. Yeah. Yeah.\n\nYeah. I would I would definitely ask them to do well, if there are any any decent, they'd do some investigating before you even started because, otherwise, what's the point of wasting all that money if, you know, the the body is not able to hold the little embryo. So yeah. But if you're just doing an egg retrieval cycle, that's different. I mean, you don't necessarily need to know about endometriosis until you do the transfer.\n\nYeah. But always yep. Yep. No. No.\n\nThey'll test all that too. They'll test all that for you too. Yeah. Exactly. Oh, well, I hope everything goes well.\n\nI'm very excited to hear how you go. Do you have a doctor down there that you you're seeing? Yep. Yeah. Yep.\n\nYep. Fair enough. Fair enough. Well, I I really look forward to hearing how you guys go. And, also, please tell Tamara if she I know it's a pretty lonely road.\n\nWhen I did it, I didn't oh, no. That's okay. I was yep. Yep. Yep.\n\nYep. Yeah. So as I was just saying to Jake was, if you're just doing the egg retrieval and freezing, the laparoscopy is not probably really urgent. But before you do a transfer, definitely have the insides looked out because otherwise, it won't it won't stick, basically, and it sucks. Mhmm.\n\nYeah. Yeah. Be prepared to put on some weight. Yeah. I yeah.\n\nDefinitely, everything's emotional. Probably prepared to put on some weight. Like, the the hormones really do mess with you. Weight, I know everyone that I've spoken to does not significantly, but you'll feel a lot more bloated and look a lot more bloated than you probably generally are. And, yeah, I mean, it's just it'll go back it'll go back to normal, but you will feel very, very bloated.\n\nYeah. It depends. So depending on what drugs they decide you need or hormones, it can be a couple of different injections a day, one injection a day for a period of two weeks, and then it will change for a to a different one. So they'll give you a schedule and a run sheet basically that with all your drugs and a needle box to take home. And yeah.\n\nYeah. But most of them you know, like an EpiPen? Most of them most of them are like that these days. I think I only had one that I was an actual injection needle during the egg retrieval phase. But, again, that was a little while seven to ten years ago now for my two, so things have probably changed a lot since then as well.\n\nIt's probably easier with in respect to the the administration of the hormones. So definitely worthwhile doing. But, yeah, I'm as I was just saying to Jake, if if he's got any questions or you're not sure of anything or you just want someone to talk to that's been through it, I'm happy to sit here and have a chat. Yeah. Absolutely.\n\nYes. It is. Yeah. It is scary. Yep.\n\nYep. Yeah. Yeah. Yeah. Both my sisters have fallen pregnant naturally, but not me, so I understand that.\n\nNo. I'm the first. They're the youngest. So yeah. So, yeah, they they were fine.\n\nBut in saying that as well, I was older. When I had mine, they were younger, so that might have had something to do with it as well. Yeah. Yeah. Yep.\n\nSo Yeah. Yeah. Yeah. Okay. Yeah.\n\nSo, yeah, I think you'll get you'll definitely get some information from your doctor, and they'll be able to help you navigate what's going on and how you can do it. Yes. You must do that. Alright. Well, do you have any questions for me from an advice perspective at the moment?\n\nYes. No. Mhmm. Mhmm. Yes.\n\nI do. Unfortunately, no. The reason being is you wouldn't have reached your preservation age yet. So what you're thinking of is probably something where we would maximize age pension if it was there, where we would roll if Tamara was at age pension age, we would roll cash out her super and look at contributing it to yours and sheltering it in yours because it wouldn't be assessable by Centrelink until you reach the age pension age. So that's one way.\n\nAnd by then, you would have reached preservation age so you could access your super through ad hoc withdrawals, etcetera. But that's one way to maximize age pension for a period of time until you reach age pension Now we would just investigate that as we got closer, and that's what I was referring to given the age gap between the two of you. There are for retirement purposes. And as we get closer to that, there are things that we can do. But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date.\n\nSo we'd leave yours invested and growing, and yours would kick in at a later date and substitute than tomorrow's. Yeah. Yeah. So there's things yeah. Because you can't yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Well, it's always, you know, at the end of the day, if if it's still around then and things like that, there's strategies that we can use to avoid drawing on your super and using your personal wealth. So, you know, I always terrible to say, but, you know, free money for a period of time if you can get it to supplement your income. Yeah.\n\nExactly. Yeah. So they're they're just things we keep an eye on over over time, and they're not things that we need to consider now. But as retirement approaches, we'd definitely be looking at those type of different type of strategies that would benefit you both in the lead up to retirement. Yeah.\n\nNo. That's no. Ab absolutely fine. Alright. Beautiful.\n\nAnd are you both happy with annual reviews, or would you like yeah. Yeah? Okay. Beautiful. And as I said, any questions in the meantime between now, your next review?\n\nMy job from here is I'm going away to do some homework, some research on insurance investments, and then I am gonna one of our team will reach back out to you in about two weeks to book in a time for a second meeting, which we will accommodate when you guys are off swing at home and present the advice to make the changes that we're gonna look at. Absolutely. Send it through to me. Absolutely. I one of my action items is to check with the insurer whether they will consider removing the exclusion.\n\nBut, yeah, send it through to me, and we'll see what they say. And then, additionally, you know, we might be able to say to another insurance see if there's another insurance company that wouldn't apply an exclusion based on the fact that you've had the genetic test. So, yeah, send it through to me, and we'll go from there. No worries. I'll speak to you both soon, and enjoy the rest of your day.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.0468728132545948},{"text":"Is this Jake?","start":2.3999999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.043301514039436974},{"text":"Hi, Jake.","start":5.44,"end":6.0,"sentiment":"neutral","sentiment_score":0.17518407106399536},{"text":"It's Jenna here phoning from Oakview Financial.","start":6.0,"end":8.16,"sentiment":"neutral","sentiment_score":0.16191919573715755},{"text":"How are you today?","start":8.16,"end":9.139999,"sentiment":"neutral","sentiment_score":0.207460455596447}],"sentiment":"neutral","sentiment_score":0.14649539353216395,"num_words":17,"start":2.08,"end":9.139999},{"sentences":[{"text":"That's good.","start":11.44,"end":12.42,"sentiment":"positive","sentiment_score":0.5543657541275024},{"text":"Just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.28,"end":17.965,"sentiment":"neutral","sentiment_score":0.0443608360769956},{"text":"Is that okay?","start":17.965,"end":18.865,"sentiment":"neutral","sentiment_score":0.05649142091472944},{"text":"Beautiful.","start":20.845001,"end":21.345001,"sentiment":"positive","sentiment_score":0.5282065868377686},{"text":"And I just for security purposes, just get you to confirm your full name and date of birth and address, please.","start":21.485,"end":39.2,"sentiment":"neutral","sentiment_score":0.11608033982061204}],"sentiment":"neutral","sentiment_score":0.10528797447681428,"num_words":50,"start":11.44,"end":39.2},{"sentences":[{"text":"Fantastic.","start":39.42,"end":39.92,"sentiment":"positive","sentiment_score":0.5673409700393677},{"text":"I'm phoning today to complete your annual review.","start":40.915,"end":43.795,"sentiment":"neutral","sentiment_score":0.23519969172775745},{"text":"Do you still have time for that?","start":43.795,"end":45.495,"sentiment":"neutral","sentiment_score":0.0958343893289566},{"text":"Yep.","start":46.675,"end":47.175,"sentiment":"neutral","sentiment_score":-0.01978297345340252},{"text":"And is Tamara with you?","start":47.555,"end":49.175,"sentiment":"neutral","sentiment_score":-0.033646488934755324}],"sentiment":"neutral","sentiment_score":0.1332619914107702,"num_words":22,"start":39.42,"end":49.175},{"sentences":[{"text":"Yeah.","start":52.355,"end":52.675,"sentiment":"neutral","sentiment_score":0.013883537612855434},{"text":"I'll and I'll just ID Tamara when she gets on the phone too.","start":52.675,"end":55.859997,"sentiment":"neutral","sentiment_score":0.00395642020381414},{"text":"Yeah?","start":55.859997,"end":56.339996,"sentiment":"neutral","sentiment_score":0.04693581163883209},{"text":"Beautiful.","start":56.339996,"end":56.839996,"sentiment":"neutral","sentiment_score":0.22464153170585632},{"text":"Hi, Tamara.","start":56.98,"end":57.719997,"sentiment":"neutral","sentiment_score":0.1254352256655693}],"sentiment":"neutral","sentiment_score":0.03265359971879257,"num_words":18,"start":52.355,"end":57.719997},{"sentences":[{"text":"My name is Jenna.","start":59.78,"end":60.579998,"sentiment":"neutral","sentiment_score":0.10884537175297737},{"text":"How are you today?","start":60.579998,"end":61.559998,"sentiment":"neutral","sentiment_score":0.1407415308058262},{"text":"I'm well.","start":63.62,"end":64.18,"sentiment":"neutral","sentiment_score":0.2590021342039108},{"text":"Thank you.","start":64.18,"end":64.74,"sentiment":"neutral","sentiment_score":0.2565951496362686},{"text":"Can I just get you to confirm your full name, date of birth, and and address, please?","start":64.74,"end":69.51501,"sentiment":"neutral","sentiment_score":0.07664376453441732}],"sentiment":"neutral","sentiment_score":0.11491331637933336,"num_words":29,"start":59.78,"end":69.51501},{"sentences":[{"text":"Beautiful.","start":76.935005,"end":77.435005,"sentiment":"positive","sentiment_score":0.3403354287147522},{"text":"Thank you so much for that.","start":77.65501,"end":79.19501,"sentiment":"positive","sentiment_score":0.4862544685602188},{"text":"I am just phoning to complete your annual review of your superannuation and insurances.","start":80.055,"end":86.39,"sentiment":"neutral","sentiment_score":0.2354120079960142},{"text":"You will sure I'm gonna send through an email that you both will receive.","start":88.689995,"end":92.869995,"sentiment":"neutral","sentiment_score":0.0018141928261944226},{"text":"You may even receive a double up, so I apologize.","start":93.329994,"end":95.67,"sentiment":"neutral","sentiment_score":-0.06854594983160496}],"sentiment":"neutral","sentiment_score":0.13096821229490968,"num_words":45,"start":76.935005,"end":95.67},{"sentences":[{"text":"I'm gonna look at that email second to what I'm gonna run through first, but I just will hit send so they're in your inbox waiting when we get to that stage.","start":96.655,"end":106.675,"sentiment":"neutral","sentiment_score":0.015117738919798285},{"text":"That's just your review pack.","start":107.855,"end":109.475,"sentiment":"neutral","sentiment_score":0.08573884814977646},{"text":"Before we start the review, what I like to do is just run through and make sure that all the information that we have on file in relation to your personal and financial situation is still current.","start":111.509995,"end":122.009995,"sentiment":"neutral","sentiment_score":0.09283652337821754},{"text":"So first of all, I'll confirm you're still de facto?","start":122.549995,"end":128.74501,"sentiment":"neutral","sentiment_score":0.10170968994498253},{"text":"Yes.","start":130.565,"end":130.965,"sentiment":"neutral","sentiment_score":0.0802198126912117}],"sentiment":"neutral","sentiment_score":0.06405564662726486,"num_words":85,"start":96.655,"end":130.965},{"sentences":[{"text":"Beautiful.","start":130.965,"end":131.465,"sentiment":"neutral","sentiment_score":0.10448237508535384},{"text":"Sorry.","start":132.005,"end":132.325,"sentiment":"neutral","sentiment_score":-0.032324858009815216},{"text":"It's always an awkward question to ask.","start":132.325,"end":134.425,"sentiment":"neutral","sentiment_score":-0.2407227967466627},{"text":"And do you both do either of you have any dependents?","start":135.925,"end":141.4,"sentiment":"neutral","sentiment_score":-0.03232498026706956},{"text":"No.","start":141.4,"end":141.9,"sentiment":"neutral","sentiment_score":-0.0700278952717781}],"sentiment":"neutral","sentiment_score":-0.09707165420764968,"num_words":21,"start":130.965,"end":141.9},{"sentences":[{"text":"And are you both happy to continue to be nominated as each other's next of kin?","start":142.44,"end":148.3,"sentiment":"neutral","sentiment_score":0.057018921863345895},{"text":"Yep.","start":150.04,"end":150.51999,"sentiment":"neutral","sentiment_score":0.116752028465271},{"text":"Beautiful.","start":150.51999,"end":151.01999,"sentiment":"positive","sentiment_score":0.4369331598281861},{"text":"Jake, I'm gonna start with you from an occupation perspective.","start":152.895,"end":156.35501,"sentiment":"neutral","sentiment_score":0.11896016374230385},{"text":"We have you down as an NDE technician slash painter.","start":157.13501,"end":160.815,"sentiment":"neutral","sentiment_score":0.03422811096534133}],"sentiment":"neutral","sentiment_score":0.07889133382061693,"num_words":38,"start":142.44,"end":160.815},{"sentences":[{"text":"Is that still correct?","start":160.815,"end":161.955,"sentiment":"neutral","sentiment_score":0.02517801523208618},{"text":"Yep.","start":168.06999,"end":168.31,"sentiment":"neutral","sentiment_score":-0.052700966596603394},{"text":"Can I ask just for curiosity?","start":168.31,"end":169.93,"sentiment":"neutral","sentiment_score":-0.02658373024314642},{"text":"What does the NBT stand for?","start":170.31,"end":172.09,"sentiment":"neutral","sentiment_score":-0.018486892494062584},{"text":"Okay.","start":175.27,"end":175.77,"sentiment":"neutral","sentiment_score":0.01698974519968033}],"sentiment":"neutral","sentiment_score":-0.011412383160657354,"num_words":18,"start":160.815,"end":175.77},{"sentences":[{"text":"Oh, okay.","start":181.34999,"end":181.785,"sentiment":"neutral","sentiment_score":0.005450021009892225},{"text":"No.","start":184.345,"end":184.845,"sentiment":"neutral","sentiment_score":-0.1853235960006714},{"text":"Oh, wow.","start":189.705,"end":190.345,"sentiment":"neutral","sentiment_score":0.0372169204056263},{"text":"That sounds interesting.","start":190.345,"end":191.485,"sentiment":"neutral","sentiment_score":0.12101862579584122},{"text":"Still pretty cool.","start":198.79001,"end":199.93001,"sentiment":"positive","sentiment_score":0.4120348393917084}],"sentiment":"neutral","sentiment_score":0.1362882438539104,"num_words":11,"start":181.34999,"end":199.93001},{"sentences":[{"text":"And your is your role mainly, like, off-site or in an office?","start":201.51001,"end":206.505,"sentiment":"neutral","sentiment_score":0.020074604234347742},{"text":"Yep.","start":209.625,"end":210.125,"sentiment":"neutral","sentiment_score":0.007493834476917982},{"text":"Okay.","start":218.66501,"end":219.145,"sentiment":"neutral","sentiment_score":0.09256266057491302},{"text":"Beautiful.","start":219.145,"end":219.645,"sentiment":"neutral","sentiment_score":0.22099056839942932},{"text":"And are you still full time are are you I've got here full time slash sole trader.","start":221.145,"end":226.84999,"sentiment":"neutral","sentiment_score":0.03241599077249274}],"sentiment":"neutral","sentiment_score":0.03478169241861906,"num_words":32,"start":201.51001,"end":226.84999},{"sentences":[{"text":"What are you still a sole trader?","start":227.06999,"end":229.09,"sentiment":"neutral","sentiment_score":-0.008667875303737154},{"text":"Yep.","start":230.82999,"end":231.32999,"sentiment":"neutral","sentiment_score":0.0041414531879127026},{"text":"Yeah.","start":237.23,"end":237.73,"sentiment":"neutral","sentiment_score":-0.05091308802366257},{"text":"Yep.","start":238.245,"end":238.745,"sentiment":"neutral","sentiment_score":-0.007408261299133301},{"text":"Alright.","start":240.725,"end":241.205,"sentiment":"neutral","sentiment_score":0.11854030936956406}],"sentiment":"neutral","sentiment_score":0.00033502600986552847,"num_words":11,"start":227.06999,"end":241.205},{"sentences":[{"text":"Fantastic.","start":241.205,"end":241.705,"sentiment":"neutral","sentiment_score":0.2817833125591278},{"text":"So you contract to a mining site or whoever?","start":242.005,"end":247.225,"sentiment":"neutral","sentiment_score":0.0342171188029978},{"text":"Okay.","start":255.21,"end":255.71,"sentiment":"neutral","sentiment_score":0.0741923451423645},{"text":"Beautiful.","start":256.25,"end":256.75,"sentiment":"neutral","sentiment_score":0.1770840883255005},{"text":"Origin.","start":258.33,"end":258.83,"sentiment":"neutral","sentiment_score":0.0009263153770007192}],"sentiment":"neutral","sentiment_score":0.06476462543315183,"num_words":13,"start":241.205,"end":258.83},{"sentences":[{"text":"And is that still a two and two roster?","start":258.97,"end":262.03,"sentiment":"neutral","sentiment_score":0.011068732581204839},{"text":"Yep.","start":263.61,"end":264.11,"sentiment":"neutral","sentiment_score":0.10005587339401244},{"text":"Beautiful.","start":264.17,"end":264.67,"sentiment":"positive","sentiment_score":0.503908634185791},{"text":"Where do you travel to for the oh, nice.","start":265.93,"end":271.26498,"sentiment":"neutral","sentiment_score":0.14718602266576555},{"text":"Yeah.","start":274.28497,"end":274.76498,"sentiment":"neutral","sentiment_score":-0.07921122014522552}],"sentiment":"neutral","sentiment_score":0.09281171831701483,"num_words":21,"start":258.97,"end":274.76498},{"sentences":[{"text":"I was gonna say it's a bit of a hike.","start":274.76498,"end":277.345,"sentiment":"neutral","sentiment_score":-0.08278417810797692},{"text":"So we've got your income down as a 140.","start":280.1,"end":282.98,"sentiment":"neutral","sentiment_score":0.016973126472698316},{"text":"Is that correct?","start":282.98,"end":284.12,"sentiment":"neutral","sentiment_score":0.02617732745905717},{"text":"$1.47.","start":287.06,"end":288.2,"sentiment":"neutral","sentiment_score":0.013939548283815384},{"text":"Okay.","start":292.02,"end":292.34,"sentiment":"neutral","sentiment_score":0.030534006655216217}],"sentiment":"neutral","sentiment_score":-0.023003254396220047,"num_words":24,"start":274.76498,"end":292.34},{"sentences":[{"text":"And is that plus super?","start":292.34,"end":296.995,"sentiment":"neutral","sentiment_score":0.09000367894768715},{"text":"Fantastic.","start":296.995,"end":297.495,"sentiment":"positive","sentiment_score":0.557614266872406},{"text":"Now as a whole how whole household, we've got your expenditure as $3,500 a week.","start":298.35498,"end":305.715,"sentiment":"neutral","sentiment_score":0.163220377266407},{"text":"Does that sound correct?","start":305.715,"end":306.98,"sentiment":"neutral","sentiment_score":0.08357414230704308},{"text":"Just all your expenses.","start":312.48,"end":313.94,"sentiment":"neutral","sentiment_score":0.0015438051195815206}],"sentiment":"neutral","sentiment_score":0.13091069345908432,"num_words":29,"start":292.34,"end":313.94},{"sentences":[{"text":"Yeah.","start":314.64,"end":315.14,"sentiment":"neutral","sentiment_score":0.01434066705405712},{"text":"Because I wonder if that includes your mortgage as well.","start":316.64,"end":319.265,"sentiment":"neutral","sentiment_score":0.008999899309128524},{"text":"It said 3.5 a week.","start":323.24503,"end":325.105,"sentiment":"neutral","sentiment_score":-0.0008186155930161477},{"text":"Yeah.","start":331.48502,"end":331.80502,"sentiment":"neutral","sentiment_score":0.013098152354359629},{"text":"And I think does that include mortgage repayments?","start":331.80502,"end":336.44998,"sentiment":"neutral","sentiment_score":-0.0051707642851397395}],"sentiment":"neutral","sentiment_score":0.002879144810140133,"num_words":25,"start":314.64,"end":336.44998},{"sentences":[{"text":"Okay.","start":341.07,"end":341.57,"sentiment":"neutral","sentiment_score":0.015101940371096134},{"text":"And yeah.","start":342.50998,"end":345.07,"sentiment":"neutral","sentiment_score":0.01894322782754898},{"text":"Of course.","start":345.07,"end":345.63,"sentiment":"neutral","sentiment_score":0.039520103484392166},{"text":"Yep.","start":345.63,"end":345.94998,"sentiment":"neutral","sentiment_score":0.07147061079740524},{"text":"That's fine.","start":345.94998,"end":346.635,"sentiment":"neutral","sentiment_score":0.10293061286211014}],"sentiment":"neutral","sentiment_score":0.05117005493957549,"num_words":8,"start":341.07,"end":346.635},{"sentences":[{"text":"And do you get a rental income 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it would be really common that people would have these in place, but they they just 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you.","start":899.635,"end":900.375,"sentiment":"positive","sentiment_score":0.43314746022224426},{"text":"Now I also have a camper van here for 60,000.","start":901.635,"end":904.355,"sentiment":"neutral","sentiment_score":0.0957155890762806},{"text":"Is that correct?","start":904.355,"end":905.075,"sentiment":"neutral","sentiment_score":0.06107285991311073},{"text":"60 thousand dollars?","start":905.075,"end":909.96,"sentiment":"neutral","sentiment_score":0.005273796617984772},{"text":"Oh, 16.","start":912.02,"end":912.92,"sentiment":"neutral","sentiment_score":0.007762886583805084}],"sentiment":"neutral","sentiment_score":0.10190082769840955,"num_words":20,"start":899.635,"end":912.92},{"sentences":[{"text":"Okay.","start":913.06,"end":913.56,"sentiment":"neutral","sentiment_score":0.009591422975063324},{"text":"Okay.","start":918.02,"end":918.52,"sentiment":"neutral","sentiment_score":0.1841859668493271},{"text":"Fantastic.","start":918.58,"end":919.08,"sentiment":"positive","sentiment_score":0.4068560004234314},{"text":"Sign and seal and delivered.","start":927.375,"end":928.755,"sentiment":"neutral","sentiment_score":0.14347345232963563},{"text":"And I have some crypto at 800.","start":930.415,"end":932.735,"sentiment":"neutral","sentiment_score":0.036244756409100125}],"sentiment":"neutral","sentiment_score":0.10478092978398006,"num_words":15,"start":913.06,"end":932.735},{"sentences":[{"text":"Is that still correct?","start":932.735,"end":934.595,"sentiment":"neutral","sentiment_score":0.032816920429468155},{"text":"Yeah.","start":936.815,"end":937.08,"sentiment":"neutral","sentiment_score":-0.006952231749892235},{"text":"Yep.","start":940.92004,"end":941.42004,"sentiment":"neutral","sentiment_score":-0.0017307836096733809},{"text":"Beautiful.","start":942.76,"end":943.26,"sentiment":"neutral","sentiment_score":0.1767575442790985},{"text":"Jake, I have some crypto here for you for 3,000.","start":945.16003,"end":948.92004,"sentiment":"neutral","sentiment_score":0.07347914651036262}],"sentiment":"neutral","sentiment_score":0.060831392690648925,"num_words":17,"start":932.735,"end":948.92004},{"sentences":[{"text":"Would that still be right?","start":948.92004,"end":950.195,"sentiment":"neutral","sentiment_score":0.042150293663144114},{"text":"Eight.","start":953.455,"end":953.955,"sentiment":"neutral","sentiment_score":-0.0021269978024065495},{"text":"Yes.","start":955.935,"end":956.335,"sentiment":"neutral","sentiment_score":0.013441930525004864},{"text":"Beautiful.","start":956.335,"end":956.835,"sentiment":"neutral","sentiment_score":0.11604063957929613},{"text":"Is that sorry.","start":959.215,"end":960.015,"sentiment":"neutral","sentiment_score":-0.01501247969766458}],"sentiment":"neutral","sentiment_score":0.026642691047692842,"num_words":11,"start":948.92004,"end":960.015},{"sentences":[{"text":"That's what?","start":960.015,"end":960.755,"sentiment":"neutral","sentiment_score":-0.025935344398021698},{"text":"Oh, beautiful.","start":962.815,"end":963.6,"sentiment":"neutral","sentiment_score":0.0345836877822876},{"text":"And alright.","start":972.95996,"end":973.75995,"sentiment":"neutral","sentiment_score":0.10248088091611862},{"text":"Fantastic.","start":973.75995,"end":974.25995,"sentiment":"positive","sentiment_score":0.6629377007484436},{"text":"Thank you.","start":974.8,"end":975.27997,"sentiment":"positive","sentiment_score":0.6170910000801086}],"sentiment":"neutral","sentiment_score":0.2354864610566033,"num_words":9,"start":960.015,"end":975.27997},{"sentences":[{"text":"And I've got a DMX here at twenty five thousand dollars with a $10,000 debt.","start":975.27997,"end":981.83496,"sentiment":"neutral","sentiment_score":0.06512741297483444},{"text":"Beautiful.","start":983.21497,"end":983.71497,"sentiment":"neutral","sentiment_score":0.1696581244468689},{"text":"Still about 25.","start":984.57495,"end":985.95496,"sentiment":"neutral","sentiment_score":0.04263025522232056},{"text":"Beautiful.","start":988.095,"end":988.595,"sentiment":"neutral","sentiment_score":0.1775464117527008},{"text":"And I also have an offset account here for 90,000.","start":989.77496,"end":994.755,"sentiment":"neutral","sentiment_score":0.01270178398117423}],"sentiment":"neutral","sentiment_score":0.05263414454335968,"num_words":30,"start":975.27997,"end":994.755},{"sentences":[{"text":"Would that be correct?","start":994.88,"end":999.54,"sentiment":"neutral","sentiment_score":-0.008204996353015304},{"text":"That's still pretty good, guys.","start":1004.16,"end":1005.51996,"sentiment":"positive","sentiment_score":0.3671138346195221},{"text":"Something to be very proud of.","start":1005.51996,"end":1007.3,"sentiment":"neutral","sentiment_score":0.2109874834616979},{"text":"Alright.","start":1008.345,"end":1008.845,"sentiment":"neutral","sentiment_score":-0.021647784858942032},{"text":"It it's life.","start":1009.545,"end":1014.205,"sentiment":"neutral","sentiment_score":-0.2491267224152883}],"sentiment":"neutral","sentiment_score":0.12103400717636473,"num_words":19,"start":994.88,"end":1014.205},{"sentences":[{"text":"Yeah.","start":1015.385,"end":1015.785,"sentiment":"neutral","sentiment_score":-0.023865917697548863},{"text":"I get that.","start":1015.785,"end":1016.765,"sentiment":"neutral","sentiment_score":-0.016170185680190723},{"text":"Any other assets or debts that you are aware of?","start":1018.185,"end":1023.76,"sentiment":"neutral","sentiment_score":-0.0032912355149164797},{"text":"Jet ski.","start":1023.76,"end":1024.48,"sentiment":"neutral","sentiment_score":-0.0003815263044089078},{"text":"Yep.","start":1024.48,"end":1024.98,"sentiment":"neutral","sentiment_score":0.005158378276973963}],"sentiment":"neutral","sentiment_score":-0.005934912012889981,"num_words":17,"start":1015.385,"end":1024.98},{"sentences":[{"text":"And what 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one?","start":1030.96,"end":1032.26,"sentiment":"neutral","sentiment_score":0.00674037653952837},{"text":"No.","start":1033.76,"end":1034.26,"sentiment":"neutral","sentiment_score":-0.02668246626853943}],"sentiment":"neutral","sentiment_score":0.016642027619210156,"num_words":11,"start":1025.6,"end":1034.26},{"sentences":[{"text":"Fantastic.","start":1034.735,"end":1035.235,"sentiment":"neutral","sentiment_score":0.08935356885194778},{"text":"Alright.","start":1036.255,"end":1036.755,"sentiment":"neutral","sentiment_score":0.04225577414035797},{"text":"Beautiful.","start":1044.655,"end":1045.155,"sentiment":"neutral","sentiment_score":0.2129243761301041},{"text":"And, hopefully, that's nice and short.","start":1045.295,"end":1050.1599,"sentiment":"neutral","sentiment_score":0.06890597318609555},{"text":"It will be.","start":1050.3799,"end":1051.44,"sentiment":"neutral","sentiment_score":-0.0641336018840472}],"sentiment":"neutral","sentiment_score":0.0471307293822368,"num_words":12,"start":1034.735,"end":1051.44},{"sentences":[{"text":"Yeah.","start":1055.0199,"end":1055.5199,"sentiment":"neutral","sentiment_score":-0.03603658825159073},{"text":"You Yep.","start":1056.1799,"end":1058.24,"sentiment":"neutral","sentiment_score":-0.012391987023875117},{"text":"So can I ask, are you 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yeah.","start":1075.14,"end":1081.1599,"sentiment":"neutral","sentiment_score":-0.06413279970486958},{"text":"Beautiful.","start":1081.38,"end":1081.88,"sentiment":"neutral","sentiment_score":0.30217599868774414},{"text":"Fantastic.","start":1082.1,"end":1082.6,"sentiment":"neutral","sentiment_score":0.27839189767837524},{"text":"Alright.","start":1084.74,"end":1085.24,"sentiment":"neutral","sentiment_score":0.10754893720149994}],"sentiment":"neutral","sentiment_score":0.10331887645380837,"num_words":7,"start":1064.595,"end":1085.24},{"sentences":[{"text":"So from a health perspective, I just need to run through the details details that we have on file.","start":1085.38,"end":1091.865,"sentiment":"neutral","sentiment_score":0.04667645761449086},{"text":"Tamara, I've got that you were an ex smoker about five years ago.","start":1092.3251,"end":1096.0851,"sentiment":"neutral","sentiment_score":-0.029252415334877487},{"text":"Is that still correct?","start":1096.0851,"end":1097.385,"sentiment":"neutral","sentiment_score":-0.009265811531804502},{"text":"Beautiful.","start":1098.3251,"end":1098.8251,"sentiment":"positive","sentiment_score":0.44298869371414185},{"text":"Do you take any medication?","start":1100.485,"end":1101.93,"sentiment":"neutral","sentiment_score":0.09914394542574882}],"sentiment":"neutral","sentiment_score":0.0335289635723235,"num_words":42,"start":1085.38,"end":1101.93},{"sentences":[{"text":"Beautiful.","start":1102.41,"end":1102.91,"sentiment":"neutral","sentiment_score":0.17644141614437103},{"text":"Did you take any medication?","start":1103.13,"end":1104.4443,"sentiment":"neutral","sentiment_score":-0.02676439508795738},{"text":"No.","start":1104.4443,"end":1104.7073,"sentiment":"neutral","sentiment_score":-0.06329406797885895},{"text":"You've got private health 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company?","start":1110.41,"end":1112.03,"sentiment":"neutral","sentiment_score":0.029749576312800247},{"text":"Yep.","start":1114.41,"end":1114.65,"sentiment":"neutral","sentiment_score":0.036487169563770294},{"text":"Okay.","start":1114.65,"end":1114.935,"sentiment":"neutral","sentiment_score":0.12785422801971436},{"text":"Beautiful.","start":1115.0951,"end":1115.3351,"sentiment":"positive","sentiment_score":0.34873753786087036}],"sentiment":"neutral","sentiment_score":0.09782347101718188,"num_words":10,"start":1109.77,"end":1115.3351},{"sentences":[{"text":"Because I've got Saint Luke's on one and nothing on yours.","start":1115.3351,"end":1118.295,"sentiment":"neutral","sentiment_score":0.09796190397305922},{"text":"So just yes.","start":1118.295,"end":1119.175,"sentiment":"neutral","sentiment_score":0.03492463876803716},{"text":"So I thought I'd just double check.","start":1119.175,"end":1120.9551,"sentiment":"neutral","sentiment_score":0.004358472477179021},{"text":"Alright.","start":1121.5751,"end":1122.0751,"sentiment":"neutral","sentiment_score":0.15341132879257202},{"text":"Fantastic.","start":1122.295,"end":1122.795,"sentiment":"positive","sentiment_score":0.3384236693382263}],"sentiment":"neutral","sentiment_score":0.07411735502081802,"num_words":23,"start":1115.3351,"end":1122.795},{"sentences":[{"text":"And, Jake, any are you still a non smoker?","start":1123.655,"end":1128.25,"sentiment":"neutral","sentiment_score":0.021521864148477714},{"text":"Yep.","start":1131.0299,"end":1131.5299,"sentiment":"neutral","sentiment_score":-0.03334004431962967},{"text":"Beautiful.","start":1133.2699,"end":1133.7699,"sentiment":"positive","sentiment_score":0.41804108023643494},{"text":"Fantastic.","start":1134.3099,"end":1134.8099,"sentiment":"positive","sentiment_score":0.5174837112426758},{"text":"Thank you.","start":1135.19,"end":1136.0099,"sentiment":"positive","sentiment_score":0.5166733860969543}],"sentiment":"neutral","sentiment_score":0.15208773547783494,"num_words":14,"start":1123.655,"end":1136.0099},{"sentences":[{"text":"Alright.","start":1136.07,"end":1136.5499,"sentiment":"neutral","sentiment_score":0.2295957058668137},{"text":"Beautiful.","start":1136.5499,"end":1137.0499,"sentiment":"neutral","sentiment_score":0.3006894588470459},{"text":"Now I if you have access to your emails, can I ask you to open them up?","start":1137.59,"end":1144.555,"sentiment":"neutral","sentiment_score":0.04261762922739282},{"text":"If you don't, that's okay.","start":1144.555,"end":1145.835,"sentiment":"neutral","sentiment_score":-0.01689413283020258},{"text":"I can still run through the documents.","start":1145.835,"end":1147.375,"sentiment":"neutral","sentiment_score":0.0037179041121687207}],"sentiment":"neutral","sentiment_score":0.038591597619796955,"num_words":31,"start":1136.07,"end":1147.375},{"sentences":[{"text":"But yeah.","start":1147.595,"end":1150.155,"sentiment":"neutral","sentiment_score":-0.017697259783744812},{"text":"Just if you have access.","start":1150.155,"end":1151.375,"sentiment":"neutral","sentiment_score":-0.03405768759548664},{"text":"Beautiful.","start":1152.715,"end":1153.215,"sentiment":"neutral","sentiment_score":0.13800670206546783},{"text":"Yep.","start":1154.635,"end":1155.135,"sentiment":"neutral","sentiment_score":-0.0005154641112312675},{"text":"Yes.","start":1155.435,"end":1155.755,"sentiment":"neutral","sentiment_score":-0.0002549951896071434}],"sentiment":"neutral","sentiment_score":-0.00684467147802934,"num_words":10,"start":1147.595,"end":1155.755},{"sentences":[{"text":"So if you hit sign, what it's gonna do is open up a bunch of documents.","start":1155.755,"end":1158.8,"sentiment":"neutral","sentiment_score":-0.030005275504663587},{"text":"You're not actually signing anything.","start":1159.82,"end":1161.18,"sentiment":"neutral","sentiment_score":-0.1033939316868782},{"text":"We're just gonna talk through the documents.","start":1161.18,"end":1163.04,"sentiment":"neutral","sentiment_score":-0.05024006962776184},{"text":"There are some that we need signing at the end, but you don't sign them until you're comfortable and you've had the the review.","start":1163.26,"end":1169.7251,"sentiment":"neutral","sentiment_score":-0.044245492201298475},{"text":"Nelly.","start":1176.185,"end":1176.425,"sentiment":"neutral","sentiment_score":-0.024564087390899655}],"sentiment":"neutral","sentiment_score":-0.04594698970047933,"num_words":53,"start":1155.755,"end":1176.425},{"sentences":[{"text":"Okay.","start":1176.425,"end":1176.905,"sentiment":"neutral","sentiment_score":-0.012436062097549438},{"text":"So I'm hoping that these are gonna be in the correct order.","start":1176.905,"end":1179.625,"sentiment":"neutral","sentiment_score":0.014271420349056521},{"text":"So just the way they're packed together.","start":1179.625,"end":1181.885,"sentiment":"neutral","sentiment_score":0.03126401161508901},{"text":"But the first document I'm assuming is the is Jake's summary of super inch and insurances.","start":1182.265,"end":1188.1,"sentiment":"neutral","sentiment_score":0.0006199426788953133},{"text":"So we've got the hub 24 count account for Jake sitting at a balance of 91,000 638.","start":1188.24,"end":1197.38,"sentiment":"neutral","sentiment_score":0.01791419757201391}],"sentiment":"neutral","sentiment_score":0.013059047263836101,"num_words":53,"start":1176.425,"end":1197.38},{"sentences":[{"text":"And then your insurances through a Now that's significantly lower than probably what you're able to get, but also what your expenses are.","start":1197.76,"end":1225.52,"sentiment":"neutral","sentiment_score":0.0007888474299207977},{"text":"Realistically, based on a 147,000, your sum insured should be sitting around $8,500 a month.","start":1227.0449,"end":1233.785,"sentiment":"neutral","sentiment_score":-0.014944081691404184},{"text":"So I I guess that's something that I really do need to flag with you whether you wanna look at increasing that.","start":1237.605,"end":1243.74,"sentiment":"neutral","sentiment_score":-0.10908431830731305},{"text":"Yeah.","start":1251.32,"end":1251.82,"sentiment":"neutral","sentiment_score":0.058159712702035904},{"text":"Yeah.","start":1251.96,"end":1252.2799,"sentiment":"neutral","sentiment_score":0.05737195163965225}],"sentiment":"neutral","sentiment_score":-0.0401667914984207,"num_words":62,"start":1197.76,"end":1252.2799},{"sentences":[{"text":"So I'm going to do some investigating.","start":1252.2799,"end":1254.2999,"sentiment":"neutral","sentiment_score":0.05401787694011416},{"text":"How long ago did your wage increase to $1.47?","start":1254.6,"end":1258.275,"sentiment":"neutral","sentiment_score":-0.005549874156713486},{"text":"Mhmm.","start":1266.255,"end":1266.755,"sentiment":"neutral","sentiment_score":-0.04239264130592346},{"text":"Yep.","start":1267.535,"end":1268.035,"sentiment":"neutral","sentiment_score":0.04029211401939392},{"text":"Yep.","start":1268.3351,"end":1268.8151,"sentiment":"neutral","sentiment_score":0.03295232355594635}],"sentiment":"neutral","sentiment_score":0.01889621407577866,"num_words":19,"start":1252.2799,"end":1268.8151},{"sentences":[{"text":"So were you on $1.40 at least for the last twelve months?","start":1268.8151,"end":1272.23,"sentiment":"neutral","sentiment_score":-0.00544452085159719},{"text":"Like, if you you could prove that.","start":1272.85,"end":1275.59,"sentiment":"neutral","sentiment_score":-0.005543691771371024},{"text":"Alright.","start":1285.765,"end":1286.265,"sentiment":"neutral","sentiment_score":0.06982861459255219},{"text":"So if we look at one thirty eight as the base because how income protection works is we can sure insure up to 70% of your gross income.","start":1287.765,"end":1295.3049,"sentiment":"neutral","sentiment_score":0.1848407800176314},{"text":"So if you're happy for me to work on one thirty eight as an average, I'll do some figures, and I'm going to go and investigate that a bit further.","start":1295.845,"end":1303.2301,"sentiment":"neutral","sentiment_score":0.2854049312571684}],"sentiment":"neutral","sentiment_score":0.1756843371818272,"num_words":78,"start":1268.8151,"end":1303.2301},{"sentences":[{"text":"Yep.","start":1306.3301,"end":1306.8301,"sentiment":"neutral","sentiment_score":0.05637560412287712},{"text":"Okay.","start":1309.29,"end":1309.79,"sentiment":"neutral","sentiment_score":0.23243758082389832},{"text":"Beautiful.","start":1312.25,"end":1312.75,"sentiment":"positive","sentiment_score":0.514693021774292},{"text":"Alright.","start":1313.53,"end":1313.895,"sentiment":"neutral","sentiment_score":0.26839351654052734},{"text":"Alright.","start":1316.775,"end":1317.275,"sentiment":"neutral","sentiment_score":0.15985077619552612}],"sentiment":"neutral","sentiment_score":0.24635009989142417,"num_words":5,"start":1306.3301,"end":1317.275},{"sentences":[{"text":"Now, Jake, with your policies, would you like us to go to market?","start":1317.495,"end":1323.175,"sentiment":"neutral","sentiment_score":0.082676440763932},{"text":"Basically, that means is we'll go and have a look and make sure that Cal is still competitive price wise definition and all that wise.","start":1323.175,"end":1332.75,"sentiment":"neutral","sentiment_score":0.1200038205087185},{"text":"The reason I ask is you from that brief questionnaire that I asked, do you have any preexisting medical conditions, anything that from an because you'll have to go through full underwriting again.","start":1332.75,"end":1344.83,"sentiment":"neutral","sentiment_score":-0.0492447412601023},{"text":"So you might recall when you did these policies.","start":1344.83,"end":1349.7051,"sentiment":"neutral","sentiment_score":-0.06132361168662707},{"text":"Yep.","start":1349.7051,"end":1350.2051,"sentiment":"neutral","sentiment_score":-0.05550647899508476}],"sentiment":"neutral","sentiment_score":0.022745602430752767,"num_words":81,"start":1317.495,"end":1350.2051},{"sentences":[{"text":"Yep.","start":1350.3451,"end":1350.8451,"sentiment":"neutral","sentiment_score":-0.02235553041100502},{"text":"Okay.","start":1352.3451,"end":1352.8451,"sentiment":"neutral","sentiment_score":0.039169564843177795},{"text":"Yeah.","start":1360.8251,"end":1361.225,"sentiment":"neutral","sentiment_score":0.029770590364933017},{"text":"I'm I I'm not sure actually how that works, but I I would have assumed so.","start":1361.225,"end":1365.72,"sentiment":"neutral","sentiment_score":-0.05309152044355869},{"text":"Trauma insurance is something that Tamara has, but you don't.","start":1367.22,"end":1371.5399,"sentiment":"neutral","sentiment_score":-0.017666400223970414}],"sentiment":"neutral","sentiment_score":-0.033777369122053015,"num_words":29,"start":1350.3451,"end":1371.5399},{"sentences":[{"text":"So I just wanted to cover that off with you.","start":1371.5399,"end":1374.0399,"sentiment":"neutral","sentiment_score":-0.02168017104268074},{"text":"I'm Do you know what trauma insurance is?","start":1375.5399,"end":1378.295,"sentiment":"neutral","sentiment_score":-0.03950754564721137},{"text":"Okay.","start":1385.635,"end":1386.135,"sentiment":"neutral","sentiment_score":-0.05389764904975891},{"text":"Okay.","start":1389.09,"end":1389.59,"sentiment":"neutral","sentiment_score":-0.003090412355959415},{"text":"Yep.","start":1389.89,"end":1390.21,"sentiment":"neutral","sentiment_score":0.027394473552703857}],"sentiment":"neutral","sentiment_score":-0.026783603021786326,"num_words":21,"start":1371.5399,"end":1390.21},{"sentences":[{"text":"Okay.","start":1390.21,"end":1390.45,"sentiment":"neutral","sentiment_score":0.03567828983068466},{"text":"So trauma insurance is a policy that pays a tax free lump sum amount on the event that you're diagnosed with a critical illness.","start":1390.45,"end":1401.695,"sentiment":"neutral","sentiment_score":0.09442043366531531},{"text":"So a trauma policy covers it's just over 40 defined, diagnosable conditions, and they range from different type yeah.","start":1401.695,"end":1412.975,"sentiment":"neutral","sentiment_score":0.06515696742816975},{"text":"To different types of cancer to stroke, heart attack, and just depending on the severity of it.","start":1412.975,"end":1418.79,"sentiment":"neutral","sentiment_score":-0.012169597122599097},{"text":"And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely.","start":1418.93,"end":1427.99,"sentiment":"neutral","sentiment_score":0.09453679912764093}],"sentiment":"neutral","sentiment_score":0.06556207509267897,"num_words":84,"start":1390.21,"end":1427.99},{"sentences":[{"text":"It's just that it's designed to help with the the financial stress that comes with those.","start":1428.29,"end":1434.225,"sentiment":"neutral","sentiment_score":0.0765856949146837},{"text":"So the out of pocket medical expenses, those types of things, because even in the public system, unfortunately, with some some illnesses, there is still always an out of pocket.","start":1435.165,"end":1450.4299,"sentiment":"neutral","sentiment_score":-0.1745441789428393},{"text":"So it's it's probably something worth looking at.","start":1451.61,"end":1453.9299,"sentiment":"neutral","sentiment_score":0.07836642675101757},{"text":"Tamara does have some.","start":1453.9299,"end":1454.965,"sentiment":"neutral","sentiment_score":0.17817312106490135},{"text":"She's insured for a 100,000 for your trauma insurance.","start":1454.965,"end":1460.375,"sentiment":"neutral","sentiment_score":0.15572447329759598}],"sentiment":"neutral","sentiment_score":-0.01895238942841985,"num_words":67,"start":1428.29,"end":1460.375},{"sentences":[{"text":"So if you is there any specific amount you would like cover for, or would you like me to go away and work an amount that's suitable?","start":1460.435,"end":1477.15,"sentiment":"neutral","sentiment_score":0.022745287666718166},{"text":"Yep.","start":1477.21,"end":1477.71,"sentiment":"neutral","sentiment_score":0.04819199442863464},{"text":"Alright.","start":1480.81,"end":1481.295,"sentiment":"neutral","sentiment_score":0.2899934649467468},{"text":"Beautiful.","start":1482.495,"end":1482.5751,"sentiment":"positive","sentiment_score":0.4632672965526581},{"text":"In some cases, your income protection might kick in.","start":1482.5751,"end":1486.8351,"sentiment":"neutral","sentiment_score":-0.028887914700640574}],"sentiment":"neutral","sentiment_score":0.029630366426247817,"num_words":39,"start":1460.435,"end":1486.8351},{"sentences":[{"text":"It just really depends on the the trauma is kind of like a fail safe.","start":1487.2151,"end":1492.175,"sentiment":"neutral","sentiment_score":-0.13205558111270269},{"text":"So you've got a four week waiting period, thirty days on your income protection.","start":1492.175,"end":1496.94,"sentiment":"neutral","sentiment_score":-0.05094706400164536},{"text":"So what that means is if a doctor says, you know, for example again, I'll use yesterday, someone was diagnosed with I don't know.","start":1497.5,"end":1509.0199,"sentiment":"neutral","sentiment_score":-0.06831926526501775},{"text":"Maybe he suffered a heart attack.","start":1509.0199,"end":1510.745,"sentiment":"neutral","sentiment_score":-0.20994497587283453},{"text":"It was of the right not the right.","start":1510.805,"end":1512.965,"sentiment":"neutral","sentiment_score":-0.20244637690484524}],"sentiment":"neutral","sentiment_score":-0.1076566544708921,"num_words":67,"start":1487.2151,"end":1512.965},{"sentences":[{"text":"Sorry.","start":1512.965,"end":1513.205,"sentiment":"neutral","sentiment_score":-0.14582011103630066},{"text":"But the it met the conditions of a claimable event.","start":1513.205,"end":1516.665,"sentiment":"neutral","sentiment_score":-0.10398090109229088},{"text":"You might be back at work within a five, six week period of time frame.","start":1517.765,"end":1523.385,"sentiment":"neutral","sentiment_score":-0.08013121659557025},{"text":"That means you're not gonna get your income protection.","start":1524.645,"end":1527.02,"sentiment":"neutral","sentiment_score":-0.15870272616545358},{"text":"You might get a week or two.","start":1527.02,"end":1528.32,"sentiment":"neutral","sentiment_score":-0.1055528489606721}],"sentiment":"neutral","sentiment_score":-0.10844742497872739,"num_words":42,"start":1512.965,"end":1528.32},{"sentences":[{"text":"But you might also decide that you're not ready to go back to work.","start":1530.0599,"end":1533.58,"sentiment":"neutral","sentiment_score":-0.12837020360997745},{"text":"So that's where this this kind of falls into place.","start":1533.58,"end":1537.34,"sentiment":"neutral","sentiment_score":-0.03922565430402756},{"text":"It gives you that leeway to make that decision.","start":1537.34,"end":1540.635,"sentiment":"neutral","sentiment_score":0.09244326626261075},{"text":"Like, you might go, actually, you know what?","start":1540.635,"end":1542.575,"sentiment":"neutral","sentiment_score":-0.05033336766064167},{"text":"I'm I'm not ready.","start":1542.795,"end":1544.175,"sentiment":"negative","sentiment_score":-0.38650032132864}],"sentiment":"neutral","sentiment_score":-0.07346929386258125,"num_words":45,"start":1530.0599,"end":1544.175},{"sentences":[{"text":"I need another few weeks.","start":1545.115,"end":1546.735,"sentiment":"negative","sentiment_score":-0.4138574540615082},{"text":"Yeah.","start":1547.355,"end":1547.855,"sentiment":"neutral","sentiment_score":-0.1863549053668976},{"text":"Yeah.","start":1548.075,"end":1548.575,"sentiment":"neutral","sentiment_score":-0.14552068710327148},{"text":"Exactly.","start":1548.715,"end":1549.215,"sentiment":"neutral","sentiment_score":-0.10295140743255617},{"text":"So that's kind of the benefit of the trauma insurance in that respect.","start":1549.675,"end":1554.47,"sentiment":"neutral","sentiment_score":0.021141893015458033}],"sentiment":"neutral","sentiment_score":-0.10615569814330056,"num_words":21,"start":1545.115,"end":1554.47},{"sentences":[{"text":"It gives you the ability to make a decision because, unfortunately, even when we are diagnosed with things meeting the standards of not being medically fit for work is difficult.","start":1554.47,"end":1568.0651,"sentiment":"neutral","sentiment_score":-0.2357543500761191},{"text":"Sorry?","start":1569.885,"end":1570.385,"sentiment":"neutral","sentiment_score":-0.1674552857875824},{"text":"Yeah.","start":1572.845,"end":1573.3251,"sentiment":"neutral","sentiment_score":-0.011138374917209148},{"text":"Yeah.","start":1573.3251,"end":1573.8251,"sentiment":"neutral","sentiment_score":0.010082490742206572},{"text":"So I'll have a look at that for you as long as well as your income protection too.","start":1574.125,"end":1579.025,"sentiment":"neutral","sentiment_score":0.034036916266712874}],"sentiment":"neutral","sentiment_score":-0.12997014077343777,"num_words":51,"start":1554.47,"end":1579.025},{"sentences":[{"text":"Tomorrow, we've got your hub 24 at the balance at 202,587 for your super.","start":1580.07,"end":1589.77,"sentiment":"neutral","sentiment_score":-0.040145372439708026},{"text":"You've got your policies are structured a little bit differently mainly because I do note that you had an exclusion for breast cancer and ovarian cancer on your TPD income protection and trauma cover.","start":1589.91,"end":1606.61,"sentiment":"neutral","sentiment_score":-0.0991317383287584},{"text":"Is there a family history there?","start":1607.31,"end":1609.17,"sentiment":"neutral","sentiment_score":-0.11269236107667287},{"text":"Yep.","start":1617.39,"end":1617.645,"sentiment":"neutral","sentiment_score":-0.13039958477020264},{"text":"Okay.","start":1627.645,"end":1628.145,"sentiment":"neutral","sentiment_score":-0.004016788676381111}],"sentiment":"neutral","sentiment_score":-0.08469794387929142,"num_words":56,"start":1580.07,"end":1628.145},{"sentences":[{"text":"Okay.","start":1628.4451,"end":1628.9451,"sentiment":"neutral","sentiment_score":0.03208831325173378},{"text":"Beautiful.","start":1629.005,"end":1629.505,"sentiment":"neutral","sentiment_score":0.1245213747024536},{"text":"First of all, I'm sorry to hear of your loss.","start":1629.805,"end":1632.35,"sentiment":"negative","sentiment_score":-0.36061918213963506},{"text":"That's awful.","start":1632.35,"end":1633.73,"sentiment":"negative","sentiment_score":-0.7889547646045685},{"text":"Leave that with me.","start":1635.3099,"end":1636.35,"sentiment":"neutral","sentiment_score":-0.18871236592531204}],"sentiment":"neutral","sentiment_score":-0.3212411736862527,"num_words":18,"start":1628.4451,"end":1636.35},{"sentences":[{"text":"I'll investigate and revert back to you, and we can definitely go from there.","start":1636.35,"end":1642.5099,"sentiment":"neutral","sentiment_score":-0.000641515212399619},{"text":"I'll find out what the insurance company says.","start":1642.5099,"end":1645.585,"sentiment":"neutral","sentiment_score":-0.03881263127550483},{"text":"But based on your financial your I'll go back to life in a minute for both of you.","start":1647.485,"end":1654.2849,"sentiment":"neutral","sentiment_score":0.042066208397348724},{"text":"But your income protection sitting at 8,166 a month.","start":1654.2849,"end":1658.91,"sentiment":"neutral","sentiment_score":-0.0003756651033957799},{"text":"Are you happy with that amount?","start":1658.91,"end":1660.37,"sentiment":"neutral","sentiment_score":0.07810922463734944}],"sentiment":"neutral","sentiment_score":0.016417888179421424,"num_words":55,"start":1636.35,"end":1660.37},{"sentences":[{"text":"Beautiful.","start":1662.35,"end":1662.85,"sentiment":"positive","sentiment_score":0.5519049167633057},{"text":"Okay.","start":1662.99,"end":1663.49,"sentiment":"neutral","sentiment_score":0.25050678849220276},{"text":"And you've got your trauma cover sitting at a 100,000, and you also hold a little hold your TPD outside of super as well, which costs you a little bit per month out of your personal cash flow.","start":1663.5499,"end":1674.9551,"sentiment":"neutral","sentiment_score":0.0020339785535868848},{"text":"And that just helps with the definitions of being eligible to have a TPD claim.","start":1675.895,"end":1683.175,"sentiment":"neutral","sentiment_score":0.1391250381867091},{"text":"That's why it's structured that way.","start":1683.175,"end":1684.95,"sentiment":"neutral","sentiment_score":0.13101978227496147}],"sentiment":"neutral","sentiment_score":0.061519625520364184,"num_words":61,"start":1662.35,"end":1684.95},{"sentences":[{"text":"Are you happy with that?","start":1684.95,"end":1687.25,"sentiment":"neutral","sentiment_score":0.1325516492128372},{"text":"Yes.","start":1688.07,"end":1688.57,"sentiment":"neutral","sentiment_score":0.1394588053226471},{"text":"So with your life insurance policies for both of you, Jake, you're insured for just shy of 1,000,000.","start":1689.75,"end":1697.37,"sentiment":"neutral","sentiment_score":0.0832229604323705},{"text":"Tamara, you are insured I'm just gonna quickly add them up because there's a couple of different policies.","start":1699.11,"end":1705.025,"sentiment":"neutral","sentiment_score":0.06143820409973463},{"text":"And, Tamara, if we are able to remove that, we might be able to get combine some of your policies for you to clean it up for you.","start":1707.9651,"end":1718.88,"sentiment":"neutral","sentiment_score":0.12326161150953599}],"sentiment":"neutral","sentiment_score":0.09796347336045333,"num_words":70,"start":1684.95,"end":1718.88},{"sentences":[{"text":"You're insured for life insurance for about $840,000.","start":1718.88,"end":1724.02,"sentiment":"neutral","sentiment_score":0.03667234303429723},{"text":"I I guess the question is, are you both comfortable with that level of cover?","start":1726.24,"end":1730.735,"sentiment":"neutral","sentiment_score":-0.011505705118179322},{"text":"Did you wanna look at increasing it based on debt?","start":1731.035,"end":1733.755,"sentiment":"neutral","sentiment_score":-0.020209074765443803},{"text":"What are your goals?","start":1733.755,"end":1734.895,"sentiment":"neutral","sentiment_score":-0.01792745152488351},{"text":"I mean, it's gonna cover your debt anyway.","start":1735.195,"end":1737.375,"sentiment":"neutral","sentiment_score":-0.031259590992704034}],"sentiment":"neutral","sentiment_score":-0.008957424759864807,"num_words":45,"start":1718.88,"end":1737.375},{"sentences":[{"text":"Yep.","start":1745.85,"end":1746.35,"sentiment":"neutral","sentiment_score":0.026045432314276695},{"text":"Yep.","start":1747.05,"end":1747.55,"sentiment":"neutral","sentiment_score":0.030346905812621117},{"text":"Yep.","start":1748.09,"end":1748.59,"sentiment":"neutral","sentiment_score":0.04972118139266968},{"text":"Yep.","start":1750.41,"end":1750.49,"sentiment":"neutral","sentiment_score":0.013650046661496162},{"text":"Alright.","start":1750.49,"end":1750.905,"sentiment":"neutral","sentiment_score":0.04841940850019455}],"sentiment":"neutral","sentiment_score":0.03363659493625164,"num_words":5,"start":1745.85,"end":1750.905},{"sentences":[{"text":"Performance reports.","start":1763.785,"end":1764.75,"sentiment":"neutral","sentiment_score":-0.04348229616880417},{"text":"So the if I'm hoping, if you can confirm that that's the next document for you both.","start":1764.75,"end":1770.53,"sentiment":"neutral","sentiment_score":0.03471376040183446},{"text":"Beautiful.","start":1772.51,"end":1773.01,"sentiment":"neutral","sentiment_score":0.2374509572982788},{"text":"Might have to jump out and reopen it.","start":1780.3251,"end":1782.5651,"sentiment":"neutral","sentiment_score":-0.24879195867106318},{"text":"I'm not sure how to go back.","start":1782.5651,"end":1785.605,"sentiment":"negative","sentiment_score":-0.41275409289768766}],"sentiment":"neutral","sentiment_score":-0.11825697222458464,"num_words":35,"start":1763.785,"end":1785.605},{"sentences":[{"text":"I'm sorry.","start":1785.605,"end":1786.245,"sentiment":"neutral","sentiment_score":-0.21672019362449646},{"text":"I don't I'm not very we're up to the 20 four.","start":1786.245,"end":1794.28,"sentiment":"neutral","sentiment_score":-0.089326123283668},{"text":"Yep.","start":1794.34,"end":1794.84,"sentiment":"neutral","sentiment_score":0.037106867879629135},{"text":"So the first one I've got up is Jake.","start":1794.98,"end":1796.98,"sentiment":"neutral","sentiment_score":0.03604944133096271},{"text":"Is that what you're seeing?","start":1796.98,"end":1798.44,"sentiment":"neutral","sentiment_score":0.03216709643602371}],"sentiment":"neutral","sentiment_score":-0.031915729333247454,"num_words":28,"start":1785.605,"end":1798.44},{"sentences":[{"text":"Yep.","start":1799.94,"end":1800.44,"sentiment":"neutral","sentiment_score":0.05574960261583328},{"text":"So performance wise, if you look at the second page, you'll see a net performance of 1.66%.","start":1800.74,"end":1807.815,"sentiment":"neutral","sentiment_score":0.05970557242193643},{"text":"Now not great.","start":1808.0349,"end":1809.815,"sentiment":"negative","sentiment_score":-0.5587195754051208},{"text":"There is a reason for that.","start":1810.2749,"end":1811.475,"sentiment":"negative","sentiment_score":-0.399287685751915},{"text":"So that's net of fees.","start":1811.475,"end":1812.855,"sentiment":"neutral","sentiment_score":-0.2293566197156906}],"sentiment":"neutral","sentiment_score":-0.12962261267239228,"num_words":32,"start":1799.94,"end":1812.855},{"sentences":[{"text":"If you look at the first page, you'll see the Bennelong Australian Equities Fund with a negative return of 15.01%.","start":1813.475,"end":1822.25,"sentiment":"negative","sentiment_score":-0.4113041162490845},{"text":"Now to explain why that's happened, it's not that the Australian share market itself has performed badly.","start":1822.47,"end":1830.89,"sentiment":"negative","sentiment_score":-0.49651655204155865},{"text":"It's Benelong's investment mandate.","start":1831.27,"end":1833.59,"sentiment":"neutral","sentiment_score":-0.28575510159134865},{"text":"So their mandate is being an active manager, which means they will look at the Australian share market and the companies within there and try and identify undervalued assets or growth opportunities.","start":1833.59,"end":1847.715,"sentiment":"neutral","sentiment_score":-0.14872281346470118},{"text":"Now, unfortunately, it has become a a negative return that we're can over appear sorry.","start":1848.335,"end":1861.47,"sentiment":"negative","sentiment_score":-0.5120026543736458}],"sentiment":"negative","sentiment_score":-0.34373924957418983,"num_words":88,"start":1813.475,"end":1861.47},{"sentences":[{"text":"Sorry.","start":1861.61,"end":1862.11,"sentiment":"neutral","sentiment_score":-0.08618851006031036},{"text":"Hang on.","start":1862.17,"end":1862.805,"sentiment":"neutral","sentiment_score":-0.07724513486027718},{"text":"Let me see.","start":1863.045,"end":1864.025,"sentiment":"neutral","sentiment_score":-0.029872701813777287},{"text":"No.","start":1864.7251,"end":1864.885,"sentiment":"neutral","sentiment_score":-0.05923891440033913},{"text":"That's okay.","start":1864.885,"end":1865.625,"sentiment":"neutral","sentiment_score":-0.027282357215881348}],"sentiment":"neutral","sentiment_score":-0.04934450156158871,"num_words":9,"start":1861.61,"end":1865.625},{"sentences":[{"text":"Sometimes it's this headset and the the volume on it.","start":1865.685,"end":1868.885,"sentiment":"neutral","sentiment_score":-0.029596835747361182},{"text":"Is that a bit better?","start":1868.885,"end":1869.765,"sentiment":"neutral","sentiment_score":-0.030070597678422926},{"text":"I just turned it up.","start":1869.765,"end":1870.9851,"sentiment":"neutral","sentiment_score":0.0038794662803411485},{"text":"Is that yeah.","start":1871.765,"end":1873.125,"sentiment":"neutral","sentiment_score":0.026878310988346737},{"text":"Okay.","start":1873.125,"end":1873.4451,"sentiment":"neutral","sentiment_score":-0.0124241691082716}],"sentiment":"neutral","sentiment_score":-0.014946385441968838,"num_words":24,"start":1865.685,"end":1873.4451},{"sentences":[{"text":"Sorry about that.","start":1873.4451,"end":1874.425,"sentiment":"neutral","sentiment_score":-0.12759244193633398},{"text":"I'll start again.","start":1876.0851,"end":1876.98,"sentiment":"neutral","sentiment_score":-0.10705114156007767},{"text":"Bennelong has not performed well, it's not a it's it's just that their investment mandate.","start":1877.14,"end":1882.98,"sentiment":"neutral","sentiment_score":-0.2894472440083822},{"text":"So what they do is they look at the Australian share market and try to identify companies that are undervalued for growth opportunities.","start":1882.98,"end":1891.5599,"sentiment":"neutral","sentiment_score":-0.11516620769448903},{"text":"Growth winners in the market.","start":1900.445,"end":1902.225,"sentiment":"neutral","sentiment_score":-0.0761422023177147}],"sentiment":"neutral","sentiment_score":-0.16479945304442425,"num_words":49,"start":1873.4451,"end":1902.225},{"sentences":[{"text":"So it's not that the share Australian share market has plummeted or not performed.","start":1902.525,"end":1904.3505,"sentiment":"neutral","sentiment_score":-0.31360833240406855},{"text":"It's that the has plummeted or not performed.","start":1904.3505,"end":1908.21,"sentiment":"neutral","sentiment_score":-0.31304289028048515},{"text":"It's that the Benelong's mandate hasn't aligned with how the market has actually performed.","start":1908.59,"end":1913.73,"sentiment":"neutral","sentiment_score":-0.2739846110343933},{"text":"So what we're doing is we don't rush to replace underperforming assets.","start":1914.11,"end":1920.53,"sentiment":"neutral","sentiment_score":-0.1807936824237307},{"text":"We take a an approach based on observation, education, looking at the market, the trends.","start":1921.365,"end":1930.105,"sentiment":"neutral","sentiment_score":0.026019613568981487}],"sentiment":"neutral","sentiment_score":-0.19856943358622847,"num_words":63,"start":1902.525,"end":1930.105},{"sentences":[{"text":"And what we've identified is that we do wanna look at replacing the Bannalong Australian Equities Fund because the that we don't agree with their investment mandate at the present time.","start":1930.325,"end":1944.9401,"sentiment":"neutral","sentiment_score":-0.14756309835901182},{"text":"So that has had a negative impact on your portfolio because as you can see from the rest of your portfolio, it performs very well.","start":1945.56,"end":1953.325,"sentiment":"negative","sentiment_score":-0.5608875143527985},{"text":"So that's what's brought down your overall return.","start":1953.465,"end":1956.345,"sentiment":"negative","sentiment_score":-0.6630095466971397},{"text":"The fact that Ben along hasn't been able to well, the market hasn't, you know, performed in the way that suitable for their investment mandate.","start":1956.345,"end":1967.26,"sentiment":"negative","sentiment_score":-0.6024900221824646},{"text":"So if it's okay with you, what I wanna do is have a look at your whole portfolio to make sure that it's still in line with what you're hoping to achieve and also look at alternatives for Benelon.","start":1967.56,"end":1979.765,"sentiment":"neutral","sentiment_score":0.0766593944758941}],"sentiment":"neutral","sentiment_score":-0.281041050402564,"num_words":128,"start":1930.325,"end":1979.765},{"sentences":[{"text":"Yep.","start":1982.0651,"end":1982.5651,"sentiment":"neutral","sentiment_score":0.05773456022143364},{"text":"Any questions about your portfolio as a whole?","start":1983.185,"end":1986.005,"sentiment":"neutral","sentiment_score":0.052156414836645126},{"text":"Yes.","start":1997.79,"end":1998.29,"sentiment":"neutral","sentiment_score":-0.00210037175565958},{"text":"Yeah.","start":2000.75,"end":2001.25,"sentiment":"neutral","sentiment_score":-0.1565515697002411},{"text":"Yeah.","start":2002.91,"end":2003.41,"sentiment":"neutral","sentiment_score":-0.010436441749334335}],"sentiment":"neutral","sentiment_score":0.02549145797577997,"num_words":12,"start":1982.0651,"end":2003.41},{"sentences":[{"text":"Yep.","start":2003.635,"end":2004.135,"sentiment":"neutral","sentiment_score":0.013869687914848328},{"text":"Yep.","start":2005.875,"end":2006.375,"sentiment":"neutral","sentiment_score":0.08390522003173828},{"text":"Yep.","start":2007.715,"end":2008.215,"sentiment":"neutral","sentiment_score":0.07280153036117554},{"text":"So you've got a fair few satellite one.","start":2008.355,"end":2010.515,"sentiment":"neutral","sentiment_score":0.08097330294549465},{"text":"We call them satellites.","start":2010.515,"end":2011.715,"sentiment":"neutral","sentiment_score":0.06636158470064402}],"sentiment":"neutral","sentiment_score":0.0722539467116197,"num_words":15,"start":2003.635,"end":2011.715},{"sentences":[{"text":"So they're the ones that float around your bigger assets in the portfolio, and you've got quite a few, let's call them niche.","start":2011.715,"end":2021.52,"sentiment":"neutral","sentiment_score":0.09322074088065521},{"text":"So you've got your global global cyber.","start":2021.52,"end":2023.86,"sentiment":"neutral","sentiment_score":0.12567703532321112},{"text":"You have your global battery tech and lithium, which are great performers in the last twelve months due to, you know, the ongoing development of AI and the need for cybersecurity.","start":2024.3201,"end":2036.675,"sentiment":"neutral","sentiment_score":0.20093620208001906},{"text":"Battery tech and lithium took a boost recently because of the conflict in Iran and, you know, the petrol the diesel and petrol and all that sort of stuff.","start":2038.095,"end":2047.46,"sentiment":"neutral","sentiment_score":0.056554367316180264},{"text":"But you also have a great exposure to the whole world.","start":2047.52,"end":2051.44,"sentiment":"neutral","sentiment_score":0.11070786111734131}],"sentiment":"neutral","sentiment_score":0.11990793739067446,"num_words":101,"start":2011.715,"end":2051.44},{"sentences":[{"text":"So you've got some Asia and Europe exposure.","start":2051.44,"end":2053.8599,"sentiment":"neutral","sentiment_score":0.06893374165520072},{"text":"You've got some American exposure.","start":2054.48,"end":2056.98,"sentiment":"neutral","sentiment_score":0.04370899200439453},{"text":"And so along with global, you've got some niche markets as well and also economies exposure.","start":2058.215,"end":2066.855,"sentiment":"neutral","sentiment_score":0.07678986876271665},{"text":"So it's a it's a good it's a good allocation, but as performance of the portfolio as a whole, but Benelon itself is one that we definitely need to look at alternatives.","start":2066.855,"end":2089.445,"sentiment":"neutral","sentiment_score":0.12489267345517874},{"text":"Yep.","start":2092.225,"end":2092.725,"sentiment":"neutral","sentiment_score":0.05430200695991516}],"sentiment":"neutral","sentiment_score":0.0975729088869787,"num_words":62,"start":2051.44,"end":2092.725},{"sentences":[{"text":"The next document is yours, Tamara, with performance.","start":2094.385,"end":2097.2852,"sentiment":"neutral","sentiment_score":0.04022453352808952},{"text":"So you do not hold the panel on.","start":2097.825,"end":2100.41,"sentiment":"neutral","sentiment_score":-0.02009317371994257},{"text":"Yep.","start":2104.79,"end":2105.29,"sentiment":"neutral","sentiment_score":0.02686392515897751},{"text":"Yep.","start":2105.51,"end":2105.99,"sentiment":"neutral","sentiment_score":0.04416125267744064},{"text":"So your net return was 5.37.","start":2105.99,"end":2108.89,"sentiment":"neutral","sentiment_score":0.06362611489991347}],"sentiment":"neutral","sentiment_score":0.025576364404211443,"num_words":24,"start":2094.385,"end":2108.89},{"sentences":[{"text":"The one in your policy that policy, sorry, portfolio that I'd like to probably just have a look at is the first one, the bank hybrids.","start":2111.1099,"end":2120.535,"sentiment":"neutral","sentiment_score":-0.011977964564441489},{"text":"So you don't have a significant exposure to them, but the banking system in Australia is changing.","start":2120.675,"end":2126.695,"sentiment":"neutral","sentiment_score":-0.12022491544485092},{"text":"And from January 2027, the bank hybrids will be phased out.","start":2127.72,"end":2131.9,"sentiment":"neutral","sentiment_score":-0.1243532042611729},{"text":"What I'm doing with the clients that I speak to and is just being proactive in a sense because I don't know what's gonna happen.","start":2132.36,"end":2141.66,"sentiment":"neutral","sentiment_score":0.07220094822347164},{"text":"They're performing well at the moment.","start":2142.835,"end":2144.5352,"sentiment":"neutral","sentiment_score":0.1460386961698532}],"sentiment":"neutral","sentiment_score":-0.012257411829469836,"num_words":85,"start":2111.1099,"end":2144.5352},{"sentences":[{"text":"You know, the rate the income produced off them is is pretty what we'd expect from a bank hybrid, but I don't know what the replacement alternative the banks are gonna offer.","start":2144.835,"end":2156.59,"sentiment":"neutral","sentiment_score":-0.025045874761417508},{"text":"So what I'm wanting to do is do a little bit of research for the client for my clients just to look at alternatives rather than wait and see.","start":2156.6501,"end":2164.49,"sentiment":"neutral","sentiment_score":0.08343965483122859},{"text":"I'd like to be a little bit more proactive in that respect, if that's alright with you.","start":2164.49,"end":2170.295,"sentiment":"neutral","sentiment_score":0.21147642591420343},{"text":"Yep.","start":2171.795,"end":2172.295,"sentiment":"neutral","sentiment_score":0.18678973615169525},{"text":"Your portfolio as well, you have you've got your Global Cyber in there.","start":2173.395,"end":2176.995,"sentiment":"neutral","sentiment_score":0.1575006120480024}],"sentiment":"neutral","sentiment_score":0.08095303185932014,"num_words":92,"start":2144.835,"end":2176.995},{"sentences":[{"text":"You've got some Gold Holding.","start":2176.995,"end":2178.695,"sentiment":"neutral","sentiment_score":0.11313372403383255},{"text":"Both your portfolios are a little bit different.","start":2178.835,"end":2181.095,"sentiment":"neutral","sentiment_score":0.06875047320500016},{"text":"You've got, rather than a lot of niche little, satellites, you've got more, country exposure.","start":2181.48,"end":2190.52,"sentiment":"neutral","sentiment_score":0.05225466067592303},{"text":"So you've got some Europe, Japan, the all world, world, excluding The US, but you've also got your US S and P 500 exposure.","start":2190.52,"end":2199.5352,"sentiment":"neutral","sentiment_score":0.055362090623627104},{"text":"So yours is more economy based rather than satellite and niche based.","start":2200.075,"end":2209.51,"sentiment":"neutral","sentiment_score":0.06722375812629859}],"sentiment":"neutral","sentiment_score":0.0630448060692288,"num_words":64,"start":2176.995,"end":2209.51},{"sentences":[{"text":"So are you are you happy with your portfolio?","start":2209.97,"end":2212.55,"sentiment":"neutral","sentiment_score":0.1427183813518948},{"text":"Do you wanna have a look at alternatives in relation?","start":2212.77,"end":2215.67,"sentiment":"neutral","sentiment_score":0.08267487362027168},{"text":"Or Yeah.","start":2216.17,"end":2217.8298,"sentiment":"neutral","sentiment_score":-0.20525485277175903},{"text":"Mhmm.","start":2222.29,"end":2222.79,"sentiment":"neutral","sentiment_score":-0.05608522146940231},{"text":"Mhmm.","start":2223.25,"end":2223.615,"sentiment":"neutral","sentiment_score":-0.027890121564269062}],"sentiment":"neutral","sentiment_score":0.07029257042576438,"num_words":23,"start":2209.97,"end":2223.615},{"sentences":[{"text":"Mhmm.","start":2225.535,"end":2226.035,"sentiment":"neutral","sentiment_score":-0.051218606531620026},{"text":"Yeah.","start":2229.855,"end":2230.355,"sentiment":"neutral","sentiment_score":0.007834576070308685},{"text":"And and well, that Yep.","start":2230.4949,"end":2239.77,"sentiment":"neutral","sentiment_score":0.03566303960978985},{"text":"Yep.","start":2239.77,"end":2240.27,"sentiment":"neutral","sentiment_score":0.03917505219578743},{"text":"Yeah.","start":2252.8901,"end":2253.225,"sentiment":"neutral","sentiment_score":0.022148991003632545}],"sentiment":"neutral","sentiment_score":0.02180613453189532,"num_words":9,"start":2225.535,"end":2253.225},{"sentences":[{"text":"Yep.","start":2253.625,"end":2254.125,"sentiment":"neutral","sentiment_score":0.019434865564107895},{"text":"Yep.","start":2260.905,"end":2261.405,"sentiment":"neutral","sentiment_score":0.003314182162284851},{"text":"Yeah.","start":2280.52,"end":2280.735,"sentiment":"neutral","sentiment_score":-0.15065988898277283},{"text":"Yep.","start":2281.695,"end":2282.195,"sentiment":"neutral","sentiment_score":-0.21531710028648376},{"text":"Yeah.","start":2284.975,"end":2285.2952,"sentiment":"neutral","sentiment_score":0.03387460112571716}],"sentiment":"neutral","sentiment_score":-0.06187066808342934,"num_words":5,"start":2253.625,"end":2285.2952},{"sentences":[{"text":"Okay.","start":2285.2952,"end":2285.7952,"sentiment":"neutral","sentiment_score":0.06176779791712761},{"text":"So the next document I've definitely made notes of that, so I'm gonna have a look at that within your portfolio.","start":2286.0151,"end":2291.235,"sentiment":"neutral","sentiment_score":0.13978929072618484},{"text":"The next document is probably a really good one.","start":2291.8552,"end":2294.975,"sentiment":"neutral","sentiment_score":0.25046486490302616},{"text":"It's called the Vanguard index chart.","start":2294.975,"end":2296.5898,"sentiment":"neutral","sentiment_score":0.16237705697615942},{"text":"Is that what you see?","start":2296.5898,"end":2297.8098,"sentiment":"neutral","sentiment_score":0.09734351038932801}],"sentiment":"neutral","sentiment_score":0.15982158526423432,"num_words":42,"start":2285.2952,"end":2297.8098},{"sentences":[{"text":"Beautiful.","start":2299.63,"end":2300.13,"sentiment":"positive","sentiment_score":0.4492988586425781},{"text":"So this probably links really well into concerns about recessions and fluctuations or what that's a nice way of saying it.","start":2300.5098,"end":2312.415,"sentiment":"neutral","sentiment_score":0.14210013442096256},{"text":"Let's just call it what it is, volatility.","start":2312.415,"end":2314.115,"sentiment":"neutral","sentiment_score":0.055787220131605864},{"text":"So at the both of you are invested as well, Jake, you're invested as an aggressive risk profile, which means basically, you're happy to have about a 100% of your superannuation invested in the top four.","start":2314.575,"end":2330.05,"sentiment":"neutral","sentiment_score":0.15397605217165417},{"text":"So on the right hand side of the page, you'll see US shares, Australian shares, international, and Australian listed property.","start":2330.27,"end":2336.77,"sentiment":"neutral","sentiment_score":0.10957144945859909}],"sentiment":"neutral","sentiment_score":0.135049608254502,"num_words":86,"start":2299.63,"end":2336.77},{"sentences":[{"text":"They're what we call our growth assets.","start":2337.405,"end":2339.585,"sentiment":"neutral","sentiment_score":0.11927073981080737},{"text":"So your risk profile at the moment says that you're happy to invest a 100% of your superannuation funds within that sector.","start":2340.045,"end":2348.705,"sentiment":"neutral","sentiment_score":0.16065340556881644},{"text":"Now it's not.","start":2349.085,"end":2350.385,"sentiment":"neutral","sentiment_score":-0.042317644227296114},{"text":"Your portfolio is not.","start":2350.685,"end":2352.225,"sentiment":"neutral","sentiment_score":-0.1984567902982235},{"text":"You have about 93% of your funds invested in those top across those top four with about seven in defensive assets being your the next two down, bonds and cash.","start":2352.46,"end":2364.4001,"sentiment":"neutral","sentiment_score":0.0053973486026128135}],"sentiment":"neutral","sentiment_score":0.054703188869594174,"num_words":66,"start":2337.405,"end":2364.4001},{"sentences":[{"text":"So are you still comfortable taking that approach?","start":2365.8052,"end":2368.705,"sentiment":"neutral","sentiment_score":0.008635917212814093},{"text":"Yep.","start":2373.165,"end":2373.665,"sentiment":"neutral","sentiment_score":-0.12266187369823456},{"text":"Yep.","start":2374.365,"end":2374.865,"sentiment":"neutral","sentiment_score":-0.07200384140014648},{"text":"Yep.","start":2375.245,"end":2375.745,"sentiment":"neutral","sentiment_score":-0.07163022458553314},{"text":"Mhmm.","start":2378.5251,"end":2379.0251,"sentiment":"neutral","sentiment_score":0.05440656095743179}],"sentiment":"neutral","sentiment_score":-0.011900170085330805,"num_words":12,"start":2365.8052,"end":2379.0251},{"sentences":[{"text":"So in that sense, what I'm gonna do is explain how Tamara is invested, and you can let me know your comfort level with that.","start":2379.45,"end":2387.93,"sentiment":"neutral","sentiment_score":0.24070603609085084},{"text":"Alternatively, we can then also go and complete a risk profile.","start":2387.93,"end":2391.07,"sentiment":"neutral","sentiment_score":0.11955389041792262},{"text":"So, Tamara, you're invested as a high growth investor, which is the step down from Jake.","start":2391.555,"end":2396.775,"sentiment":"neutral","sentiment_score":0.20622091554105282},{"text":"And what that means is you would typically have 90% invested in those top 410% invested in the bottom two.","start":2397.2349,"end":2408.1301,"sentiment":"neutral","sentiment_score":0.15763875283300877},{"text":"Now your portfolio at the moment is literally sitting at ninety ten.","start":2408.27,"end":2413.25,"sentiment":"neutral","sentiment_score":0.1797458827495575}],"sentiment":"neutral","sentiment_score":0.1897857618473825,"num_words":84,"start":2379.45,"end":2413.25},{"sentences":[{"text":"So you've got 90% of your funds invested in those top four, which is why which is the growth you've seen.","start":2413.47,"end":2420.065,"sentiment":"positive","sentiment_score":0.3491439954155967},{"text":"Now when you look at that chart, you'll see that those top four are the most volatile.","start":2420.4448,"end":2426.9448,"sentiment":"neutral","sentiment_score":-0.0643325533498736},{"text":"Along along the top, just you'll see some black writing.","start":2428.525,"end":2432.22,"sentiment":"neutral","sentiment_score":-0.15364381298422813},{"text":"They're events that have occurred in time that have impacted the market, whether it be negatively or positively.","start":2434.54,"end":2441.68,"sentiment":"neutral","sentiment_score":-0.20510570249623722},{"text":"And what this chart is what I like to use this chart when talking to clients is is to show you, yes, events happen, that the market re and how the market reacts to certain events.","start":2442.94,"end":2458.355,"sentiment":"neutral","sentiment_score":0.15778846252295706}],"sentiment":"neutral","sentiment_score":0.06559229777285866,"num_words":102,"start":2413.47,"end":2458.355},{"sentences":[{"text":"For example, war, you know, the market can react extremely positively.","start":2459.055,"end":2463.555,"sentiment":"neutral","sentiment_score":0.0791317539458925},{"text":"COVID nineteen, as I'm sure you remember, it tanked miserably.","start":2465.24,"end":2468.8599,"sentiment":"neutral","sentiment_score":-0.3217367723584175},{"text":"Yep.","start":2473.72,"end":2474.22,"sentiment":"negative","sentiment_score":-0.3777631223201752},{"text":"Yep.","start":2475.24,"end":2475.74,"sentiment":"neutral","sentiment_score":-0.08945298194885254},{"text":"Yeah.","start":2482.645,"end":2482.885,"sentiment":"neutral","sentiment_score":-0.14886444807052612}],"sentiment":"neutral","sentiment_score":-0.12345829093828797,"num_words":24,"start":2459.055,"end":2482.885},{"sentences":[{"text":"Exactly.","start":2482.885,"end":2483.385,"sentiment":"neutral","sentiment_score":0.07119980454444885},{"text":"Yep.","start":2484.165,"end":2484.665,"sentiment":"neutral","sentiment_score":0.10270978510379793},{"text":"So what I for from because we're talking about your superannuation, for example, Jake, based on today's legislation, you've got about thirty years until you can access your super.","start":2484.965,"end":2495.41,"sentiment":"neutral","sentiment_score":0.06214424685157578},{"text":"Tamara, you've got about twenty three years.","start":2495.87,"end":2498.29,"sentiment":"neutral","sentiment_score":0.05312594026327133},{"text":"So when we talk about your tolerance to risk, we also look at time frame.","start":2498.67,"end":2504.61,"sentiment":"neutral","sentiment_score":-0.0056010961532592775}],"sentiment":"neutral","sentiment_score":0.042716186563923675,"num_words":53,"start":2482.885,"end":2504.61},{"sentences":[{"text":"Now if we consider the fact that you're not able to access for those amount of years that I just suggested, a high growth portfolio, the way you're invested tomorrow, suggests you have to be invested for a minimum of eight years to withstand and ride the wave of market downturns.","start":2505.07,"end":2527.6501,"sentiment":"neutral","sentiment_score":-0.08344541815127812},{"text":"So given it's your superannuation and you've got limitations as in when you can access it, that's a different scenario if we're talking about personally held investments where you might wanna be a little bit more conservative because you're you'd be accessing it.","start":2528.4302,"end":2545.185,"sentiment":"neutral","sentiment_score":-0.04712238167087699},{"text":"So from the, you know, first reward, I like to call it passing the sleep at night test.","start":2545.185,"end":2555.1401,"sentiment":"neutral","sentiment_score":0.2512919058402379},{"text":"You know, you don't wanna be having anxiety about the market, but we also probably need to take into consideration that you have significant time on your hand to take risk and ride it out in relation to your super.","start":2555.1401,"end":2570.655,"sentiment":"neutral","sentiment_score":-0.0173894003033638},{"text":"If we were talking about a personally held investment, a different story because it would be accessible, and it might be short term that you're looking to invest for or, like, with short term goals.","start":2571.835,"end":2586.76,"sentiment":"neutral","sentiment_score":-0.021481272631457875}],"sentiment":"neutral","sentiment_score":-0.01714516035654647,"num_words":187,"start":2505.07,"end":2586.76},{"sentences":[{"text":"And by short term, I do probably mean at least a seven year time frame.","start":2586.76,"end":2591.425,"sentiment":"neutral","sentiment_score":-0.019440304860472678},{"text":"But yeah.","start":2591.885,"end":2594.7651,"sentiment":"neutral","sentiment_score":-0.014103417284786701},{"text":"So I I think based on that, I'd be interested to understand your thoughts on how you'd like your superannuation invested, indication of Yep.","start":2594.7651,"end":2619.6748,"sentiment":"neutral","sentiment_score":0.008065115505208572},{"text":"Yep.","start":2622.2148,"end":2622.7148,"sentiment":"neutral","sentiment_score":-0.048387687653303146},{"text":"Yep.","start":2623.6548,"end":2624.135,"sentiment":"neutral","sentiment_score":-0.05387274548411369}],"sentiment":"neutral","sentiment_score":-0.0053141643834668535,"num_words":43,"start":2586.76,"end":2624.135},{"sentences":[{"text":"Yep.","start":2624.135,"end":2624.635,"sentiment":"neutral","sentiment_score":-0.060488417744636536},{"text":"Yep.","start":2630.055,"end":2630.375,"sentiment":"neutral","sentiment_score":-0.12269213050603868},{"text":"Yep.","start":2630.375,"end":2630.625,"sentiment":"neutral","sentiment_score":-0.08628977835178375},{"text":"Yep.","start":2630.625,"end":2631.125,"sentiment":"neutral","sentiment_score":-0.06681840866804123},{"text":"Mhmm.","start":2633.27,"end":2633.75,"sentiment":"neutral","sentiment_score":-0.05426587909460068}],"sentiment":"neutral","sentiment_score":-0.07811092287302017,"num_words":5,"start":2624.135,"end":2633.75},{"sentences":[{"text":"Yep.","start":2633.75,"end":2634.25,"sentiment":"neutral","sentiment_score":-0.14156655967235565},{"text":"Yep.","start":2634.8699,"end":2635.3699,"sentiment":"neutral","sentiment_score":-0.08498581498861313},{"text":"Yes.","start":2637.99,"end":2638.47,"sentiment":"neutral","sentiment_score":0.027546988800168037},{"text":"And yeah.","start":2638.47,"end":2642.95,"sentiment":"neutral","sentiment_score":0.049786824733018875},{"text":"That I so are you happy to maintain a high growth approach tomorrow?","start":2642.95,"end":2653.405,"sentiment":"neutral","sentiment_score":0.2534093295152371}],"sentiment":"neutral","sentiment_score":0.17749386373907328,"num_words":18,"start":2633.75,"end":2653.405},{"sentences":[{"text":"Yep.","start":2655.145,"end":2655.645,"sentiment":"neutral","sentiment_score":0.05971411615610123},{"text":"Yep.","start":2661.145,"end":2661.45,"sentiment":"neutral","sentiment_score":-0.18721306324005127},{"text":"Yep.","start":2661.45,"end":2661.95,"sentiment":"neutral","sentiment_score":-0.32628482580184937},{"text":"Yep.","start":2663.69,"end":2664.19,"sentiment":"neutral","sentiment_score":-0.014288989827036858},{"text":"Mhmm.","start":2667.45,"end":2667.95,"sentiment":"neutral","sentiment_score":-0.032621532678604126}],"sentiment":"neutral","sentiment_score":-0.10013885907828808,"num_words":5,"start":2655.145,"end":2667.95},{"sentences":[{"text":"Yep.","start":2670.0898,"end":2670.49,"sentiment":"neutral","sentiment_score":0.020336762070655823},{"text":"And what about yourself?","start":2670.49,"end":2671.63,"sentiment":"neutral","sentiment_score":0.012809637933969498},{"text":"Yep.","start":2672.25,"end":2672.75,"sentiment":"neutral","sentiment_score":-0.03986724838614464},{"text":"Yeah.","start":2676.89,"end":2677.275,"sentiment":"neutral","sentiment_score":-0.000706380233168602},{"text":"Yeah.","start":2681.355,"end":2681.855,"sentiment":"neutral","sentiment_score":0.05031951516866684}],"sentiment":"neutral","sentiment_score":0.010165150044485927,"num_words":8,"start":2670.0898,"end":2681.855},{"sentences":[{"text":"Yeah.","start":2681.9148,"end":2682.4148,"sentiment":"neutral","sentiment_score":0.03193596005439758},{"text":"Mhmm.","start":2687.595,"end":2688.095,"sentiment":"neutral","sentiment_score":-0.04909493774175644},{"text":"Yeah.","start":2694.17,"end":2694.57,"sentiment":"neutral","sentiment_score":0.04383529722690582},{"text":"Yep.","start":2694.57,"end":2694.97,"sentiment":"neutral","sentiment_score":0.0712864100933075},{"text":"No.","start":2694.97,"end":2695.21,"sentiment":"neutral","sentiment_score":0.08273457735776901}],"sentiment":"neutral","sentiment_score":0.0361394613981247,"num_words":5,"start":2681.9148,"end":2695.21},{"sentences":[{"text":"That makes sense.","start":2695.21,"end":2695.93,"sentiment":"neutral","sentiment_score":0.21882246931393942},{"text":"And and it's it's also not necessarily about what I think or and it it's your comfort level.","start":2695.93,"end":2702.51,"sentiment":"neutral","sentiment_score":0.08127005315489239},{"text":"So if you're given how you're feeling about the future economy and where things are sitting, if you're more comfortable with a ninety ten, I think that that's the right decision to be made for yourself at this time.","start":2702.895,"end":2718.29,"sentiment":"neutral","sentiment_score":0.22764801234006882},{"text":"And, again, we are we're constantly we meet and we talk and we discuss things annually.","start":2718.29,"end":2724.07,"sentiment":"neutral","sentiment_score":0.10160346329212189},{"text":"And if things change, we adjust then or earlier if you if there's something that you need to reach out to us before then.","start":2725.25,"end":2735.155,"sentiment":"neutral","sentiment_score":-0.005496510110485057}],"sentiment":"neutral","sentiment_score":0.12491340016014874,"num_words":100,"start":2695.21,"end":2735.155},{"sentences":[{"text":"So there's sorry?","start":2735.375,"end":2739.635,"sentiment":"neutral","sentiment_score":-0.061654962599277496},{"text":"Yeah.","start":2743.7751,"end":2744.095,"sentiment":"neutral","sentiment_score":0.014049343764781952},{"text":"The yeah.","start":2744.095,"end":2745.0552,"sentiment":"neutral","sentiment_score":-0.0022740717977285385},{"text":"Yeah.","start":2745.0552,"end":2745.375,"sentiment":"neutral","sentiment_score":-0.00449705496430397},{"text":"Right?","start":2745.375,"end":2745.875,"sentiment":"neutral","sentiment_score":-0.017002925276756287}],"sentiment":"neutral","sentiment_score":-0.024620458483695984,"num_words":8,"start":2735.375,"end":2745.875},{"sentences":[{"text":"No.","start":2746.38,"end":2746.88,"sentiment":"negative","sentiment_score":-0.3536389172077179},{"text":"I think that the I yeah.","start":2751.5,"end":2754.94,"sentiment":"neutral","sentiment_score":-0.32031358778476715},{"text":"I think that'd be a big uproar if I tried that, and there'd be some serious consequences there.","start":2754.94,"end":2759.5999,"sentiment":"negative","sentiment_score":-0.49337030781639946},{"text":"Yep.","start":2769.675,"end":2770.175,"sentiment":"neutral","sentiment_score":-0.1404949277639389},{"text":"Yep.","start":2770.2349,"end":2770.7349,"sentiment":"neutral","sentiment_score":-0.12362436950206757}],"sentiment":"negative","sentiment_score":-0.42297426969916735,"num_words":27,"start":2746.38,"end":2770.7349},{"sentences":[{"text":"Yeah.","start":2780.09,"end":2780.59,"sentiment":"neutral","sentiment_score":0.059908464550971985},{"text":"And you guys sound pretty financially astute.","start":2781.05,"end":2784.99,"sentiment":"neutral","sentiment_score":0.29824995568820406},{"text":"You know, if if a just a question.","start":2786.065,"end":2788.965,"sentiment":"neutral","sentiment_score":0.05982084944844246},{"text":"If the market was to take a turn, what what do you think you would do?","start":2789.0251,"end":2792.945,"sentiment":"neutral","sentiment_score":-0.11295916326344013},{"text":"Would you sit and wait?","start":2792.945,"end":2794.225,"sentiment":"neutral","sentiment_score":-0.12060735672712326}],"sentiment":"neutral","sentiment_score":0.005833555516358968,"num_words":37,"start":2780.09,"end":2794.225},{"sentences":[{"text":"Would you invest some more?","start":2794.225,"end":2796.485,"sentiment":"neutral","sentiment_score":-0.057936717197299},{"text":"Yep.","start":2802.4,"end":2802.9,"sentiment":"neutral","sentiment_score":0.031112756580114365},{"text":"Yes.","start":2806.5598,"end":2807.0598,"sentiment":"neutral","sentiment_score":0.010607965290546416},{"text":"Yes.","start":2816.735,"end":2816.815,"sentiment":"neutral","sentiment_score":-0.2017166167497635},{"text":"Yes.","start":2816.815,"end":2817.315,"sentiment":"neutral","sentiment_score":-0.19207802414894104}],"sentiment":"neutral","sentiment_score":-0.07130638944605987,"num_words":9,"start":2794.225,"end":2817.315},{"sentences":[{"text":"Still being financially.","start":2825.5352,"end":2826.8098,"sentiment":"neutral","sentiment_score":-0.3151593804359436},{"text":"Yep.","start":2827.1099,"end":2827.6099,"sentiment":"neutral","sentiment_score":-0.03315838426351547},{"text":"Yep.","start":2829.19,"end":2829.69,"sentiment":"neutral","sentiment_score":0.06330714374780655},{"text":"Beautiful.","start":2829.75,"end":2830.25,"sentiment":"neutral","sentiment_score":0.26837265491485596},{"text":"Yep.","start":2836.23,"end":2836.73,"sentiment":"neutral","sentiment_score":-0.03054453991353512}],"sentiment":"neutral","sentiment_score":-0.09678589526031699,"num_words":7,"start":2825.5352,"end":2836.73},{"sentences":[{"text":"Yep.","start":2836.7898,"end":2837.2898,"sentiment":"neutral","sentiment_score":-0.058184411376714706},{"text":"Yep.","start":2839.19,"end":2839.69,"sentiment":"neutral","sentiment_score":-0.0649724155664444},{"text":"It does.","start":2840.0698,"end":2840.535,"sentiment":"neutral","sentiment_score":-0.119228795170784},{"text":"Well, I don't think you need to assume that, so we'll make sure.","start":2842.775,"end":2846.555,"sentiment":"neutral","sentiment_score":-0.3223157800160922},{"text":"We'll you'll you've got yeah.","start":2846.6948,"end":2854.14,"sentiment":"neutral","sentiment_score":0.01963279340416193}],"sentiment":"neutral","sentiment_score":-0.20243434502150526,"num_words":22,"start":2836.7898,"end":2854.14},{"sentences":[{"text":"You've got you've got a backup plan.","start":2854.46,"end":2856.72,"sentiment":"neutral","sentiment_score":-0.043268415079052956},{"text":"Yeah.","start":2856.8599,"end":2857.3599,"sentiment":"neutral","sentiment_score":0.04590236395597458},{"text":"Yep.","start":2857.8198,"end":2858.22,"sentiment":"neutral","sentiment_score":0.06931080669164658},{"text":"No.","start":2858.22,"end":2858.46,"sentiment":"neutral","sentiment_score":-0.03011162206530571},{"text":"I like that.","start":2858.46,"end":2859.3599,"sentiment":"neutral","sentiment_score":0.18302043775717416}],"sentiment":"neutral","sentiment_score":0.025483381253882095,"num_words":13,"start":2854.46,"end":2859.3599},{"sentences":[{"text":"Okay.","start":2860.2998,"end":2860.7998,"sentiment":"neutral","sentiment_score":0.03870054334402085},{"text":"So the next couple of documents are your insurance, just your certificates of currency.","start":2860.94,"end":2867.0198,"sentiment":"neutral","sentiment_score":0.034916886261531284},{"text":"So it just shows that they're in fourth, what you're insured for, we've been over those a couple already.","start":2867.0198,"end":2875.405,"sentiment":"neutral","sentiment_score":0.02254661721618552},{"text":"So that's just for your information, basically.","start":2876.1848,"end":2878.605,"sentiment":"neutral","sentiment_score":0.03426709771156311},{"text":"I'm gonna go away and look at the IP and trauma for you, Jake.","start":2878.6648,"end":2883.2449,"sentiment":"neutral","sentiment_score":-0.025079411188406602}],"sentiment":"neutral","sentiment_score":0.015357829190113328,"num_words":55,"start":2860.2998,"end":2883.2449},{"sentences":[{"text":"The so after all those certificates of currency, I think there's about four of them, we go into the Oakview services guide.","start":2885.45,"end":2893.53,"sentiment":"neutral","sentiment_score":-0.007793318268588998},{"text":"So that's our financial services guide.","start":2893.53,"end":2895.93,"sentiment":"neutral","sentiment_score":0.06055938079953194},{"text":"It tells you who we are, who we're licensed by, that we're licensed with ASIC.","start":2895.93,"end":2900.985,"sentiment":"neutral","sentiment_score":0.06385185991724332},{"text":"So, you know, we tick all the proper boxes, how we provide advice, the type of advice we provide, our general fee structure, and probably the most important part of that document, to be honest with you, is the complaints process.","start":2901.0452,"end":2910.5051,"sentiment":"neutral","sentiment_score":0.10364577655748623},{"text":"You know, it sure that, you know, it is clear how complaints can be made should you feel that you need to.","start":2926.5,"end":2933.435,"sentiment":"neutral","sentiment_score":0.02360859682614153}],"sentiment":"neutral","sentiment_score":0.05583535047810314,"num_words":106,"start":2885.45,"end":2933.435},{"sentences":[{"text":"So that's on the Yeah.","start":2933.895,"end":2942.94,"sentiment":"neutral","sentiment_score":0.18312668651342393},{"text":"No.","start":2942.94,"end":2943.44,"sentiment":"neutral","sentiment_score":0.0004887655377388},{"text":"It's import it's an important document because it does outline, you know, if we do if you feel we do the wrong thing, which I should hope would never be the case, but it is it's there in any case for you to refer to.","start":2943.58,"end":2958.4749,"sentiment":"neutral","sentiment_score":-0.009662728508313496},{"text":"And and the FSG can also be found on the website if you lose your review pack by any means.","start":2959.095,"end":2965.515,"sentiment":"neutral","sentiment_score":0.06042999513447285},{"text":"The next documents are your ongoing fee arrangement.","start":2967.095,"end":2972.4,"sentiment":"neutral","sentiment_score":0.04635155573487282}],"sentiment":"neutral","sentiment_score":0.02608495903543279,"num_words":79,"start":2933.895,"end":2972.4},{"sentences":[{"text":"So this is to continue engaging us as your adviser.","start":2972.46,"end":2976.3198,"sentiment":"neutral","sentiment_score":0.09226502031087876},{"text":"So how this is yep.","start":2977.0198,"end":2979.98,"sentiment":"neutral","sentiment_score":-0.1858682982623577},{"text":"It it's how it's calculated is on a percent base fee of 1.1.","start":2979.98,"end":2984.555,"sentiment":"neutral","sentiment_score":0.05761214374349667},{"text":"It's discounted because you'll take your client you're you're both clients.","start":2984.555,"end":2990.395,"sentiment":"neutral","sentiment_score":0.1280493146993897},{"text":"You're a couple.","start":2990.395,"end":2991.595,"sentiment":"neutral","sentiment_score":0.11694089571634929}],"sentiment":"neutral","sentiment_score":0.05956266022154263,"num_words":42,"start":2972.46,"end":2991.595},{"sentences":[{"text":"Sorry.","start":2991.595,"end":2991.9148,"sentiment":"neutral","sentiment_score":-0.09314365684986116},{"text":"I'm struggling to get my words out now.","start":2991.9148,"end":2993.855,"sentiment":"neutral","sentiment_score":-0.16655782517045736},{"text":"So how that will work for yourself, Jake, is that will be deducted monthly at approximately $84 a month, your fee, which is an annual fee of $1,008.","start":2995.25,"end":3006.47,"sentiment":"neutral","sentiment_score":0.08857275545597076},{"text":"Tamara, yours is gonna be higher because you've got a higher balance, and it is a percent based fee.","start":3007.8098,"end":3014.405,"sentiment":"neutral","sentiment_score":0.0007620844009675477},{"text":"And yours would sit at about a $185.70 a month, deducted monthly from your hub account.","start":3014.465,"end":3022.08,"sentiment":"neutral","sentiment_score":0.07447498058900237}],"sentiment":"neutral","sentiment_score":0.03139597482772337,"num_words":72,"start":2991.595,"end":3022.08},{"sentences":[{"text":"What that that provides you, the fee, is our rate our annual reviews, but you're not limited in that respect.","start":3022.08,"end":3031.6,"sentiment":"neutral","sentiment_score":0.1065296396613121},{"text":"So should something come up, say, for example, in, I don't know, six months' time, you've seen the account, and the account says, oh, yeah.","start":3031.6,"end":3040.9548,"sentiment":"neutral","sentiment_score":0.03375632673501969},{"text":"Go do your sacrifice.","start":3040.9548,"end":3042.015,"sentiment":"neutral","sentiment_score":-0.07858634367585182},{"text":"Reach out.","start":3042.7148,"end":3043.535,"sentiment":"neutral","sentiment_score":0.052746839821338654},{"text":"We'll start that process.","start":3043.915,"end":3045.2148,"sentiment":"neutral","sentiment_score":0.14842715859413147}],"sentiment":"neutral","sentiment_score":0.06107923456213691,"num_words":55,"start":3022.08,"end":3045.2148},{"sentences":[{"text":"If you've got a question about your insurance policies or, you know, one of your mates said to look at this as an investment option, you know, just pick up the phone, give us a call.","start":3046.075,"end":3056.3699,"sentiment":"neutral","sentiment_score":0.07371694429053201},{"text":"You're not limited in your contact with us.","start":3056.3699,"end":3058.7898,"sentiment":"neutral","sentiment_score":0.051602006424218416},{"text":"That's just how the the fee is based.","start":3059.3298,"end":3061.43,"sentiment":"neutral","sentiment_score":0.03537587565369904},{"text":"So if beautiful.","start":3063.405,"end":3069.4849,"sentiment":"neutral","sentiment_score":0.29625363151232403},{"text":"There you go.","start":3070.845,"end":3071.5652,"sentiment":"positive","sentiment_score":0.47352297107378644}],"sentiment":"neutral","sentiment_score":0.09756832515242798,"num_words":58,"start":3046.075,"end":3071.5652},{"sentences":[{"text":"If it works, it works.","start":3071.5652,"end":3072.865,"sentiment":"positive","sentiment_score":0.501251095533371},{"text":"So if you are happy to both continue as clients, I ask you to sign those.","start":3075.0051,"end":3081.21,"sentiment":"neutral","sentiment_score":0.297270898707211},{"text":"Not right now, but, you know, when you're comfortable.","start":3081.27,"end":3084.0898,"sentiment":"neutral","sentiment_score":0.013898431840870116},{"text":"And then the last document is just for yourself, Tamara.","start":3084.47,"end":3087.27,"sentiment":"neutral","sentiment_score":0.15333417803049088},{"text":"It's a tax file number form, and it's just letting you know that we hold your tax file number on file from a super and insurance perspective.","start":3087.27,"end":3096.6848,"sentiment":"neutral","sentiment_score":0.16899311542510986}],"sentiment":"neutral","sentiment_score":0.2012512185124319,"num_words":67,"start":3071.5652,"end":3096.6848},{"sentences":[{"text":"When that was set up, we had to provide those to make sure that your superannuation isn't taxed at a higher rate rather than an Australian tax resident.","start":3097.305,"end":3107.805,"sentiment":"neutral","sentiment_score":0.12109773739108018},{"text":"So it's just acknowledging that we hold that on file for you and that you're comfortable with that.","start":3108.21,"end":3113.3499,"sentiment":"neutral","sentiment_score":0.259627281791634},{"text":"If not, don't sign it, and we'll try we'll destroy it.","start":3115.41,"end":3119.59,"sentiment":"neutral","sentiment_score":-0.06312713196331804},{"text":"But they're the three forms that we do need signing.","start":3120.05,"end":3122.355,"sentiment":"neutral","sentiment_score":0.047588687762618063},{"text":"So any questions about any of that?","start":3123.2952,"end":3125.475,"sentiment":"neutral","sentiment_score":0.05803879989045007}],"sentiment":"neutral","sentiment_score":0.11151064519543906,"num_words":74,"start":3097.305,"end":3125.475},{"sentences":[{"text":"Nope.","start":3128.0151,"end":3128.5151,"sentiment":"neutral","sentiment_score":-0.043808355927467346},{"text":"Yep.","start":3129.7751,"end":3130.0151,"sentiment":"neutral","sentiment_score":0.24673645198345184},{"text":"Nope.","start":3130.0151,"end":3130.415,"sentiment":"neutral","sentiment_score":0.21681973338127136},{"text":"That's okay.","start":3130.415,"end":3130.895,"sentiment":"positive","sentiment_score":0.4259307086467743},{"text":"Fantastic.","start":3130.895,"end":3131.395,"sentiment":"positive","sentiment_score":0.7842371463775635}],"sentiment":"positive","sentiment_score":0.34264106551806134,"num_words":6,"start":3128.0151,"end":3131.395},{"sentences":[{"text":"Now I just wanted to just briefly before we finish up is I just wanted to run over the goals and objectives that you both had on file with us previously.","start":3132.0151,"end":3142.1,"sentiment":"neutral","sentiment_score":0.2382812605750176},{"text":"I just wanna see if they're still current, if there's a couple of new ones we're gonna look at or that you need us to look at.","start":3142.72,"end":3149.4402,"sentiment":"neutral","sentiment_score":0.15021632611751556},{"text":"So, Jake, I'll start with you.","start":3149.4402,"end":3151.535,"sentiment":"neutral","sentiment_score":0.13180830205480257},{"text":"You wanted to focus on completing the renovation on the investment property and pay down the remaining loan on your p primary residence.","start":3153.1948,"end":3160.095,"sentiment":"neutral","sentiment_score":0.14001480554756912},{"text":"Still on track for that?","start":3160.635,"end":3162.015,"sentiment":"neutral","sentiment_score":0.11470852941274642}],"sentiment":"neutral","sentiment_score":0.17420970510853373,"num_words":92,"start":3132.0151,"end":3162.015},{"sentences":[{"text":"Yep.","start":3167.21,"end":3167.71,"sentiment":"neutral","sentiment_score":0.05597000941634178},{"text":"Yep.","start":3170.01,"end":3170.51,"sentiment":"neutral","sentiment_score":0.1414840668439865},{"text":"Perfect.","start":3171.1301,"end":3171.6301,"sentiment":"positive","sentiment_score":0.47653210163116455},{"text":"Sorry.","start":3175.9302,"end":3176.33,"sentiment":"neutral","sentiment_score":0.1344657838344574},{"text":"I'm trying to type at the same time.","start":3176.33,"end":3179.135,"sentiment":"neutral","sentiment_score":0.04620709549635649}],"sentiment":"neutral","sentiment_score":0.09817572714140017,"num_words":12,"start":3167.21,"end":3179.135},{"sentences":[{"text":"So your retirement goal was in retirement, you'd like to be financial stable and have built enough wealth and investment so you can travel as you please and enjoy your retirement.","start":3180.5552,"end":3189.135,"sentiment":"neutral","sentiment_score":0.2797441528208794},{"text":"Still yep.","start":3189.675,"end":3191.55,"sentiment":"neutral","sentiment_score":0.04466300271451473},{"text":"Do you okay.","start":3197.1501,"end":3197.95,"sentiment":"neutral","sentiment_score":0.09948280702034633},{"text":"So to make it a little bit more under not understandable for me, but so I can track things and keep you know, project things out.","start":3197.95,"end":3208.435,"sentiment":"neutral","sentiment_score":0.07134037479185142},{"text":"It's hard to project things out when you said eight years away from retirement, but it gives me a good idea.","start":3208.435,"end":3213.175,"sentiment":"neutral","sentiment_score":0.15020395194490752}],"sentiment":"neutral","sentiment_score":0.16950573372733163,"num_words":83,"start":3180.5552,"end":3213.175},{"sentences":[{"text":"In retirement, based on today's dollars, how much do you think you will both need to live comfortably if you if you give it free?","start":3213.7952,"end":3224.37,"sentiment":"neutral","sentiment_score":0.058048410192132},{"text":"No.","start":3225.47,"end":3225.79,"sentiment":"neutral","sentiment_score":-0.08713513612747192},{"text":"No.","start":3225.79,"end":3226.03,"sentiment":"neutral","sentiment_score":-0.07847808301448822},{"text":"Sorry.","start":3226.03,"end":3226.35,"sentiment":"neutral","sentiment_score":-0.07443337142467499},{"text":"Not as a lump sum, as an income.","start":3226.35,"end":3228.27,"sentiment":"neutral","sentiment_score":-0.06648544408380985}],"sentiment":"neutral","sentiment_score":0.01886889198794961,"num_words":36,"start":3213.7952,"end":3228.27},{"sentences":[{"text":"So would you want 2,000 dollars a week?","start":3228.27,"end":3230.745,"sentiment":"neutral","sentiment_score":0.018739466788247228},{"text":"So you'd be debt free.","start":3232.5051,"end":3233.885,"sentiment":"neutral","sentiment_score":0.00985155999660492},{"text":"A 100 grand a year?","start":3235.7852,"end":3237.165,"sentiment":"neutral","sentiment_score":0.08893151072552427},{"text":"Yep.","start":3243.625,"end":3243.81,"sentiment":"neutral","sentiment_score":0.032232679426670074},{"text":"Yep.","start":3243.81,"end":3244.31,"sentiment":"neutral","sentiment_score":0.03904849290847778}],"sentiment":"neutral","sentiment_score":0.03575561301258858,"num_words":20,"start":3228.27,"end":3244.31},{"sentences":[{"text":"Yep.","start":3251.2124,"end":3251.7124,"sentiment":"neutral","sentiment_score":0.09541091322898863},{"text":"Yep.","start":3263.4949,"end":3263.9949,"sentiment":"neutral","sentiment_score":-0.005165482871234417},{"text":"Yep.","start":3264.615,"end":3265.015,"sentiment":"neutral","sentiment_score":-0.0007754831458441913},{"text":"And today's beautiful.","start":3265.015,"end":3266.315,"sentiment":"neutral","sentiment_score":0.010817411045233408},{"text":"Fantastic.","start":3266.775,"end":3267.275,"sentiment":"neutral","sentiment_score":0.08680646121501923}],"sentiment":"neutral","sentiment_score":0.029818377366089926,"num_words":7,"start":3251.2124,"end":3267.275},{"sentences":[{"text":"Hey.","start":3274.27,"end":3274.77,"sentiment":"neutral","sentiment_score":0.06753585487604141},{"text":"I reckon that's that's the plan.","start":3275.31,"end":3276.99,"sentiment":"neutral","sentiment_score":0.06023485710223516},{"text":"That's my plan anyway.","start":3276.99,"end":3278.2102,"sentiment":"neutral","sentiment_score":0.05067319981753826},{"text":"So with regards to your super, it just says you wanna maintain a high active management within your super fund, aiming for higher returns while you're younger and don't have children.","start":3281.2302,"end":3290.585,"sentiment":"neutral","sentiment_score":0.033549293860672944},{"text":"Yep.","start":3291.045,"end":3291.525,"sentiment":"neutral","sentiment_score":0.021737700328230854}],"sentiment":"neutral","sentiment_score":0.03938147922717901,"num_words":43,"start":3274.27,"end":3291.525},{"sentences":[{"text":"Alright.","start":3291.525,"end":3292.025,"sentiment":"neutral","sentiment_score":0.046285659074783325},{"text":"Yep.","start":3302.4202,"end":3302.9202,"sentiment":"neutral","sentiment_score":-0.03684169426560402},{"text":"Beautiful.","start":3310.34,"end":3310.84,"sentiment":"neutral","sentiment_score":0.32714563608169556},{"text":"And that would be our plan anyway.","start":3311.9402,"end":3315.1401,"sentiment":"neutral","sentiment_score":0.16420233249664307},{"text":"As you approach retirement, we do start looking at the allocation to growth assets and adjust where needed.","start":3315.1401,"end":3320.655,"sentiment":"neutral","sentiment_score":0.08665608035193549}],"sentiment":"neutral","sentiment_score":0.10877912052507911,"num_words":28,"start":3291.525,"end":3320.655},{"sentences":[{"text":"Okay.","start":3322.9548,"end":3323.355,"sentiment":"neutral","sentiment_score":0.06409356743097305},{"text":"And the last one is you'd like to ensure the assets that you've built are protected if anything was to happen to your current lifestyle and does not change if work wasn't if you're unable to work.","start":3323.355,"end":3333.44,"sentiment":"neutral","sentiment_score":0.03746007866150624},{"text":"So that refers to your income protection.","start":3333.44,"end":3335.1199,"sentiment":"neutral","sentiment_score":0.03854651429823467},{"text":"So we're gonna look at that to make sure that, you know, that income is there to protect you.","start":3335.1199,"end":3342.18,"sentiment":"neutral","sentiment_score":0.04454101955420092},{"text":"Outside of those and the trauma insurance that we're gonna investigate, any other goals there that you're that you're considering?","start":3342.72,"end":3351.345,"sentiment":"neutral","sentiment_score":-0.014362595602869987}],"sentiment":"neutral","sentiment_score":0.027130589731747194,"num_words":84,"start":3322.9548,"end":3351.345},{"sentences":[{"text":"Or Yeah.","start":3351.345,"end":3356.94,"sentiment":"neutral","sentiment_score":0.04428321495652199},{"text":"Property.","start":3361.98,"end":3362.48,"sentiment":"neutral","sentiment_score":0.127356618642807},{"text":"Yep.","start":3376.475,"end":3376.975,"sentiment":"neutral","sentiment_score":0.058222465217113495},{"text":"So diversify, basically?","start":3377.115,"end":3378.895,"sentiment":"neutral","sentiment_score":0.08948639656106631},{"text":"Yep.","start":3380.715,"end":3381.215,"sentiment":"neutral","sentiment_score":0.10798218846321106}],"sentiment":"neutral","sentiment_score":0.08132336148992181,"num_words":8,"start":3351.345,"end":3381.215},{"sentences":[{"text":"So how were you thinking of doing that?","start":3381.35,"end":3383.11,"sentiment":"neutral","sentiment_score":0.13200692646205425},{"text":"Were you thinking of looking at utilizing some equity in your property to borrow and invest and then contribute regularly from your own cash flow?","start":3383.11,"end":3393.43,"sentiment":"neutral","sentiment_score":0.12443548530340194},{"text":"What were your thoughts?","start":3393.43,"end":3400.565,"sentiment":"neutral","sentiment_score":0.02868748176842928},{"text":"Yep.","start":3401.7449,"end":3402.2449,"sentiment":"neutral","sentiment_score":0.03507780656218529},{"text":"Yep.","start":3405.425,"end":3405.925,"sentiment":"neutral","sentiment_score":0.05076361820101738}],"sentiment":"neutral","sentiment_score":0.11198804861842057,"num_words":39,"start":3381.35,"end":3405.925},{"sentences":[{"text":"Yep.","start":3406.065,"end":3406.565,"sentiment":"neutral","sentiment_score":0.04117938131093979},{"text":"Yep.","start":3409.025,"end":3409.525,"sentiment":"neutral","sentiment_score":0.046047911047935486},{"text":"And how much were you thinking to put in?","start":3409.79,"end":3413.97,"sentiment":"neutral","sentiment_score":0.028311249075664416},{"text":"Would you yep.","start":3414.19,"end":3419.25,"sentiment":"neutral","sentiment_score":-0.04846829238037268},{"text":"Mhmm.","start":3423.39,"end":3423.675,"sentiment":"neutral","sentiment_score":-0.06916375458240509}],"sentiment":"neutral","sentiment_score":0.00849732682108879,"num_words":15,"start":3406.065,"end":3423.675},{"sentences":[{"text":"Yep.","start":3426.235,"end":3426.735,"sentiment":"neutral","sentiment_score":-0.04807102680206299},{"text":"Mhmm.","start":3435.7551,"end":3436.2551,"sentiment":"neutral","sentiment_score":0.021423669531941417},{"text":"Mhmm.","start":3436.475,"end":3436.975,"sentiment":"neutral","sentiment_score":0.03098633512854576},{"text":"Would you put in a lump yeah.","start":3437.52,"end":3447.44,"sentiment":"neutral","sentiment_score":0.06573697711740221},{"text":"Exactly.","start":3447.44,"end":3447.94,"sentiment":"neutral","sentiment_score":0.13234516978263855}],"sentiment":"neutral","sentiment_score":0.0542584534057162,"num_words":11,"start":3426.235,"end":3447.94},{"sentences":[{"text":"Okay.","start":3448.16,"end":3448.66,"sentiment":"neutral","sentiment_score":0.09824764728546144},{"text":"So would you yeah.","start":3448.8801,"end":3451.2148,"sentiment":"neutral","sentiment_score":0.08307487703859806},{"text":"Yeah.","start":3451.2148,"end":3451.615,"sentiment":"neutral","sentiment_score":0.019576383754611015},{"text":"Would you look at doing an initial investment amount or just a regular amount over time?","start":3451.615,"end":3458.4949,"sentiment":"neutral","sentiment_score":0.03607697889674455},{"text":"What were you thinking?","start":3458.4949,"end":3459.555,"sentiment":"neutral","sentiment_score":0.010955854319036007}],"sentiment":"neutral","sentiment_score":0.04119917764686621,"num_words":26,"start":3448.16,"end":3459.555},{"sentences":[{"text":"Yep.","start":3465.71,"end":3466.21,"sentiment":"neutral","sentiment_score":0.10368653386831284},{"text":"Okay.","start":3466.35,"end":3466.85,"sentiment":"neutral","sentiment_score":0.10034029185771942},{"text":"Typically, how those an investment portfolio would start is there is a minimum balance that we would recommend be invested.","start":3467.23,"end":3475.3901,"sentiment":"neutral","sentiment_score":0.0802785575389862},{"text":"So depending on whatever platform we use, it might be a $5,000 minimum balance.","start":3475.3901,"end":3481.205,"sentiment":"neutral","sentiment_score":0.06956171723348754},{"text":"So that would be your minimum contribution you'd have to make up front.","start":3481.205,"end":3484.585,"sentiment":"neutral","sentiment_score":0.08189730088298137}],"sentiment":"neutral","sentiment_score":0.07853320263782326,"num_words":49,"start":3465.71,"end":3484.585},{"sentences":[{"text":"So we'd go and we'd go and look at those sorts of things.","start":3484.805,"end":3487.525,"sentiment":"neutral","sentiment_score":0.14224225683854178},{"text":"So based on that, what what are you both comfortable with being the minimum?","start":3487.525,"end":3491.9602,"sentiment":"neutral","sentiment_score":0.07133395544120244},{"text":"Because that would help me to kind of look at what options we have.","start":3492.1,"end":3496.2002,"sentiment":"neutral","sentiment_score":0.18590134169374192},{"text":"Five to 10?","start":3501.2202,"end":3502.2002,"sentiment":"neutral","sentiment_score":0.07579565793275833},{"text":"Okay.","start":3502.26,"end":3502.76,"sentiment":"neutral","sentiment_score":0.12597137689590454}],"sentiment":"neutral","sentiment_score":0.12897337443298765,"num_words":45,"start":3484.805,"end":3502.76},{"sentences":[{"text":"And as on a regular basis, because I know you said you don't do anything regularly, but the benefit of having a regular investment is essentially what you're doing by default is implementing what we call a dollar cost averaging strategy, which means you're buying investments over time.","start":3503.3152,"end":3524.94,"sentiment":"neutral","sentiment_score":0.27748494781553745},{"text":"So one month or, for example, you might be buying assets assets when the market's down.","start":3524.94,"end":3531.885,"sentiment":"neutral","sentiment_score":0.15848050033673644},{"text":"So you're buying them at a reduced rate or a discounted rate.","start":3532.105,"end":3535.405,"sentiment":"neutral","sentiment_score":0.20705805098017058},{"text":"Other times, you could be buying at it when the market's high.","start":3536.105,"end":3539.4648,"sentiment":"neutral","sentiment_score":0.1544758342206478},{"text":"So by doing a regular investment, you're taking you're taking advantage of potential ups and downs in the market, which helps the growth of your portfolio over the longer term.","start":3539.4648,"end":3552.77,"sentiment":"positive","sentiment_score":0.49455114603042605}],"sentiment":"neutral","sentiment_score":0.2968636144394592,"num_words":118,"start":3503.3152,"end":3552.77},{"sentences":[{"text":"So even though you wouldn't necessarily you've said that you don't do do things regularly or anything like that.","start":3552.99,"end":3561.575,"sentiment":"neutral","sentiment_score":-0.02864612187994154},{"text":"What we would do is we would probably recommend that for that purpose to help with the long term growth compounding over time.","start":3561.575,"end":3570.395,"sentiment":"positive","sentiment_score":0.3991554334111836},{"text":"So based on your cash flow, because you're you guys are the only ones that really know what you can and what you can afford and also what you're comfortable contributing, what would you look at monthly putting into a portfolio of that?","start":3570.855,"end":3586.2852,"sentiment":"neutral","sentiment_score":0.22364524405362995},{"text":"Yes.","start":3596.905,"end":3597.225,"sentiment":"neutral","sentiment_score":0.22844812273979187},{"text":"So you so you'd you'd be comfortable doing, like, a $500, let's just say, direct debit into it, and then you'd make a a monthly contribution with anything left over ad hoc when you see 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yeah.","start":3616.425,"end":3620.125,"sentiment":"neutral","sentiment_score":-0.008515698524812857}],"sentiment":"neutral","sentiment_score":0.020295287748532637,"num_words":7,"start":3612.99,"end":3620.125},{"sentences":[{"text":"Yeah.","start":3627.465,"end":3627.965,"sentiment":"neutral","sentiment_score":0.03652168810367584},{"text":"Of 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name?","start":3649.9348,"end":3657.1,"sentiment":"neutral","sentiment_score":0.02710729872342199},{"text":"Yep.","start":3657.1,"end":3657.6,"sentiment":"neutral","sentiment_score":0.02724485844373703}],"sentiment":"neutral","sentiment_score":0.02170730678533966,"num_words":22,"start":3647.9348,"end":3657.6},{"sentences":[{"text":"Yep.","start":3657.9001,"end":3658.4001,"sentiment":"neutral","sentiment_score":0.06652973592281342},{"text":"Beautiful.","start":3659.98,"end":3660.48,"sentiment":"positive","sentiment_score":0.49866676330566406},{"text":"Yep.","start":3664.86,"end":3665.36,"sentiment":"neutral","sentiment_score":0.11030685901641846},{"text":"Beautiful.","start":3665.9001,"end":3666.4001,"sentiment":"positive","sentiment_score":0.3756459057331085},{"text":"Alright.","start":3666.7,"end":3667.2,"sentiment":"neutral","sentiment_score":0.16222062706947327}],"sentiment":"neutral","sentiment_score":0.24267397820949554,"num_words":5,"start":3657.9001,"end":3667.2},{"sentences":[{"text":"Alright.","start":3670.915,"end":3671.315,"sentiment":"neutral","sentiment_score":0.3312382996082306},{"text":"Fantastic.","start":3671.315,"end":3671.795,"sentiment":"positive","sentiment_score":0.6497116088867188},{"text":"I 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given the age gap in between you two, there are lots of strategies that we can do as you get closer to retirement.","start":3739.695,"end":3749.24,"sentiment":"neutral","sentiment_score":0.26363532183070976}],"sentiment":"neutral","sentiment_score":0.253957458372627,"num_words":28,"start":3726.7,"end":3749.24},{"sentences":[{"text":"Ideally, would it be 60, like, tomorrow when you're 60 for retirement, or would it be but yourself 67 and Jake 60?","start":3750.02,"end":3761.615,"sentiment":"neutral","sentiment_score":0.0878310605714267},{"text":"What are you what are you guys thinking?","start":3761.675,"end":3763.435,"sentiment":"neutral","sentiment_score":0.014737508143298328},{"text":"Would you do you obviously wanna retire at the same time?","start":3763.435,"end":3766.335,"sentiment":"neutral","sentiment_score":0.006118303842165254},{"text":"Sounds 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trauma.","start":3813.735,"end":3815.495,"sentiment":"neutral","sentiment_score":0.1909373083284923}],"sentiment":"neutral","sentiment_score":0.2550576730914738,"num_words":23,"start":3802.6099,"end":3815.495},{"sentences":[{"text":"So we what we would do now is just continue to maintain that, you know, it's fit for purpose and it meets your goals and objectives.","start":3815.495,"end":3824.73,"sentiment":"neutral","sentiment_score":0.3072490548858276},{"text":"We'd review it each year.","start":3825.91,"end":3827.53,"sentiment":"neutral","sentiment_score":0.21950439512729644},{"text":"You had the same same goal as Jake in respect to complete renovations, get the investment property, and pay down as much debt as possible on your primary residence, and you and you would like to be debt free in 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you have a time frame where you're thinking of having children?","start":3920.845,"end":3923.505,"sentiment":"neutral","sentiment_score":0.024432483905305464},{"text":"Yep.","start":3927.885,"end":3927.99,"sentiment":"neutral","sentiment_score":0.023285871371626857},{"text":"Yep.","start":3929.59,"end":3930.09,"sentiment":"neutral","sentiment_score":0.12214430421590804}],"sentiment":"neutral","sentiment_score":0.03036918374709785,"num_words":16,"start":3918.525,"end":3930.09},{"sentences":[{"text":"Beautiful.","start":3930.31,"end":3930.81,"sentiment":"positive","sentiment_score":0.5692486763000488},{"text":"Yeah.","start":3938.79,"end":3939.29,"sentiment":"neutral","sentiment_score":-0.07426208257675171},{"text":"Yeah.","start":3947.605,"end":3948.105,"sentiment":"neutral","sentiment_score":-0.02787099778652191},{"text":"Yeah.","start":3948.2449,"end":3948.7449,"sentiment":"neutral","sentiment_score":-0.04142795503139496},{"text":"Yep.","start":3951.285,"end":3951.785,"sentiment":"neutral","sentiment_score":-0.043754007667303085}],"sentiment":"neutral","sentiment_score":0.07638672664761544,"num_words":5,"start":3930.31,"end":3951.785},{"sentences":[{"text":"Of course.","start":3952.005,"end":3952.6648,"sentiment":"neutral","sentiment_score":0.017974688671529293},{"text":"Yep.","start":3952.7249,"end":3953.2249,"sentiment":"neutral","sentiment_score":0.03292181342840195},{"text":"Best of luck with yeah.","start":3953.9248,"end":3957.9912,"sentiment":"neutral","sentiment_score":0.08375404477119446},{"text":"Yeah.","start":3957.9912,"end":3958.2488,"sentiment":"neutral","sentiment_score":0.13255517184734344},{"text":"Well, best of luck with that.","start":3958.2488,"end":3959.76,"sentiment":"positive","sentiment_score":0.4495958884557088}],"sentiment":"neutral","sentiment_score":0.22118479448060194,"num_words":15,"start":3952.005,"end":3959.76},{"sentences":[{"text":"I have two IVF babies myself.","start":3959.76,"end":3962.26,"sentiment":"neutral","sentiment_score":0.2877589265505473},{"text":"I know the the journey well.","start":3962.72,"end":3967.38,"sentiment":"positive","sentiment_score":0.36759109298388165},{"text":"So if you ever have any any things you wanna chat about, give me a call.","start":3967.76,"end":3974.025,"sentiment":"neutral","sentiment_score":0.243528850376606},{"text":"Yes.","start":3975.285,"end":3975.785,"sentiment":"neutral","sentiment_score":0.05992425978183746},{"text":"Yeah.","start":3978.8848,"end":3979.2048,"sentiment":"neutral","sentiment_score":0.029699942097067833}],"sentiment":"neutral","sentiment_score":0.26393953083703914,"num_words":30,"start":3959.76,"end":3979.2048},{"sentences":[{"text":"Of course.","start":3979.2048,"end":3979.865,"sentiment":"neutral","sentiment_score":0.017011722084134817},{"text":"The whole process together, so a whole cycle being egg retrieval, that was about, I think, $12,000 all up, and that included one transfer, and then the transfers were about $3,000 each.","start":3980.805,"end":4002.195,"sentiment":"neutral","sentiment_score":0.048368655145168304},{"text":"So private health covered a little bit of it.","start":4002.195,"end":4004.695,"sentiment":"neutral","sentiment_score":0.020791837117738195},{"text":"Medicare covers a little bit of it, but the the other side is is that you hit your oh, gosh.","start":4005.0752,"end":4014.73,"sentiment":"neutral","sentiment_score":-0.0725189090706408},{"text":"It's escaped me.","start":4014.73,"end":4015.77,"sentiment":"neutral","sentiment_score":-0.15925509730974832}],"sentiment":"neutral","sentiment_score":-0.0024120686434660897,"num_words":66,"start":3979.2048,"end":4015.77},{"sentences":[{"text":"Your Medicare threshold rather quickly.","start":4015.77,"end":4018.83,"sentiment":"neutral","sentiment_score":-0.1470705032348633},{"text":"So or so you you tend to get more back from Medicare after your first your first cycle.","start":4019.4502,"end":4027.595,"sentiment":"neutral","sentiment_score":-0.0005659491030706302},{"text":"So I think out of pocket, it was probably about $8,000 after everything.","start":4028.295,"end":4033.915,"sentiment":"neutral","sentiment_score":-0.07123292065583743},{"text":"Yeah.","start":4042.055,"end":4042.555,"sentiment":"neutral","sentiment_score":-0.0737328827381134},{"text":"Yeah.","start":4045.3198,"end":4045.8198,"sentiment":"neutral","sentiment_score":-0.039556361734867096}],"sentiment":"neutral","sentiment_score":-0.04696991613232776,"num_words":38,"start":4015.77,"end":4045.8198},{"sentences":[{"text":"Yeah.","start":4047.72,"end":4048.22,"sentiment":"neutral","sentiment_score":-0.05598422884941101},{"text":"Yeah.","start":4049.88,"end":4050.38,"sentiment":"neutral","sentiment_score":0.12959682941436768},{"text":"Yeah.","start":4055.4,"end":4055.535,"sentiment":"neutral","sentiment_score":0.2732239365577698},{"text":"Yeah.","start":4059.295,"end":4059.795,"sentiment":"neutral","sentiment_score":0.002158097922801971},{"text":"Yeah.","start":4060.255,"end":4060.575,"sentiment":"neutral","sentiment_score":0.0016997447237372398}],"sentiment":"neutral","sentiment_score":0.07013887595385312,"num_words":5,"start":4047.72,"end":4060.575},{"sentences":[{"text":"Well, I went through two two cycles, two full cycles.","start":4060.575,"end":4064.595,"sentiment":"neutral","sentiment_score":-0.020201999600976704},{"text":"The for me, the reason was I had endometriosis pretty bad.","start":4066.575,"end":4072.1401,"sentiment":"neutral","sentiment_score":-0.21351029114289719},{"text":"That's why I couldn't fall pregnant naturally.","start":4073.6401,"end":4075.58,"sentiment":"neutral","sentiment_score":-0.19000239031655447},{"text":"But I found that out once I started seeing the specialist, the IVF specialist.","start":4076.28,"end":4081.1802,"sentiment":"neutral","sentiment_score":-0.054597667551466396},{"text":"So there's lots of reasons.","start":4081.24,"end":4083.8252,"sentiment":"neutral","sentiment_score":-0.02490866929292679}],"sentiment":"neutral","sentiment_score":-0.10148001325495065,"num_words":47,"start":4060.575,"end":4083.8252},{"sentences":[{"text":"And if you have a good one, they can give you a pretty good idea once they've found out what the issue is as to yep.","start":4084.685,"end":4101.0,"sentiment":"neutral","sentiment_score":0.054407430382875294},{"text":"Yep.","start":4102.98,"end":4103.48,"sentiment":"neutral","sentiment_score":-0.09893299639225006},{"text":"Yeah.","start":4108.34,"end":4108.785,"sentiment":"neutral","sentiment_score":-0.1107008457183838},{"text":"Yeah.","start":4109.265,"end":4109.765,"sentiment":"neutral","sentiment_score":-0.119159534573555},{"text":"Okay.","start":4115.825,"end":4116.325,"sentiment":"neutral","sentiment_score":-0.10182327032089232}],"sentiment":"neutral","sentiment_score":0.03279921809832255,"num_words":30,"start":4084.685,"end":4116.325},{"sentences":[{"text":"Yeah.","start":4121.9053,"end":4122.12,"sentiment":"neutral","sentiment_score":-0.036489203572273254},{"text":"Yeah.","start":4122.12,"end":4122.62,"sentiment":"neutral","sentiment_score":-0.03924708068370819},{"text":"Yeah.","start":4125.88,"end":4126.38,"sentiment":"neutral","sentiment_score":-0.10842084884643556},{"text":"You're probably you're probably fine.","start":4129.64,"end":4131.3203,"sentiment":"neutral","sentiment_score":-0.15095911920070648},{"text":"There's a reason.","start":4131.3203,"end":4132.14,"sentiment":"neutral","sentiment_score":-0.10090967516104381}],"sentiment":"neutral","sentiment_score":-0.11288015950809825,"num_words":11,"start":4121.9053,"end":4132.14},{"sentences":[{"text":"I didn't know anything about endometriosis until I was yes.","start":4133.0,"end":4139.805,"sentiment":"neutral","sentiment_score":-0.0885846521705389},{"text":"Yes.","start":4140.265,"end":4140.765,"sentiment":"neutral","sentiment_score":-0.06002521514892578},{"text":"Yes.","start":4142.4253,"end":4142.9253,"sentiment":"neutral","sentiment_score":-0.02893803268671036},{"text":"Still do, but yes.","start":4144.265,"end":4148.4,"sentiment":"neutral","sentiment_score":-0.11212760116904974},{"text":"Yep.","start":4151.04,"end":4151.54,"sentiment":"neutral","sentiment_score":-0.07030900567770004}],"sentiment":"neutral","sentiment_score":-0.08786053999381907,"num_words":17,"start":4133.0,"end":4151.54},{"sentences":[{"text":"Yep.","start":4151.76,"end":4152.26,"sentiment":"neutral","sentiment_score":0.025102917104959488},{"text":"Yep.","start":4152.4,"end":4152.64,"sentiment":"neutral","sentiment_score":0.004082369618117809},{"text":"And and, unfortunately, the thing with that is is they can't see it on a scan.","start":4152.64,"end":4157.38,"sentiment":"negative","sentiment_score":-0.34251997619867325},{"text":"The only way they actually see it is through what they call a laparoscopy.","start":4157.76,"end":4162.34,"sentiment":"neutral","sentiment_score":-0.2811741999217442},{"text":"So, basically, they're going through your belly with a little camera, general anesthetic, and that's when they can properly diagnose it, and they remove it all at that time.","start":4162.64,"end":4172.935,"sentiment":"neutral","sentiment_score":-0.2559216161226404}],"sentiment":"neutral","sentiment_score":-0.275562295064208,"num_words":61,"start":4151.76,"end":4172.935},{"sentences":[{"text":"So I ended up having both my tubes removed because I I had it that bad.","start":4172.935,"end":4178.95,"sentiment":"neutral","sentiment_score":-0.1989420661702752},{"text":"So yeah.","start":4181.1704,"end":4182.21,"sentiment":"neutral","sentiment_score":-0.03791655972599983},{"text":"And mine mine I remember my mom when we were younger suffering from pretty much the same things I suffered from, but she wasn't aware what it was back then.","start":4182.21,"end":4191.155,"sentiment":"neutral","sentiment_score":-0.12687026212612787},{"text":"So yep.","start":4192.0146,"end":4195.795,"sentiment":"neutral","sentiment_score":-0.035387919284403324},{"text":"Yep.","start":4196.0146,"end":4196.5146,"sentiment":"neutral","sentiment_score":-0.0694848969578743}],"sentiment":"neutral","sentiment_score":-0.14127989759778276,"num_words":51,"start":4172.935,"end":4196.5146},{"sentences":[{"text":"No.","start":4197.4546,"end":4197.9546,"sentiment":"neutral","sentiment_score":-0.19491100311279297},{"text":"No.","start":4198.0146,"end":4198.415,"sentiment":"neutral","sentiment_score":-0.22381183505058289},{"text":"I'm happy to share because, you know, my my experience is that I had no idea, and I wish there was more information and education for girls.","start":4198.415,"end":4207.77,"sentiment":"neutral","sentiment_score":-0.10229721030703297},{"text":"Because if I had have known that that was something, I probably would have been onto it a lot earlier.","start":4208.55,"end":4213.77,"sentiment":"neutral","sentiment_score":-0.22229544240981342},{"text":"Yep.","start":4221.4453,"end":4221.9453,"sentiment":"neutral","sentiment_score":-0.06497921049594879}],"sentiment":"neutral","sentiment_score":-0.15383271150290967,"num_words":50,"start":4197.4546,"end":4221.9453},{"sentences":[{"text":"Yes.","start":4224.325,"end":4224.825,"sentiment":"neutral","sentiment_score":-0.03310085088014603},{"text":"Yes.","start":4229.685,"end":4230.03,"sentiment":"neutral","sentiment_score":-0.0494815856218338},{"text":"Of 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gosh.","start":4252.975,"end":4253.795,"sentiment":"positive","sentiment_score":0.563134491443634}],"sentiment":"neutral","sentiment_score":0.33060607810815174,"num_words":6,"start":4248.415,"end":4253.795},{"sentences":[{"text":"Yeah.","start":4255.775,"end":4256.275,"sentiment":"neutral","sentiment_score":0.10968681424856186},{"text":"You you've you'll be surprised.","start":4256.495,"end":4258.035,"sentiment":"neutral","sentiment_score":0.14915711730718612},{"text":"There will be a reason.","start":4258.255,"end":4259.395,"sentiment":"neutral","sentiment_score":0.07058998942375183},{"text":"And, you know, I've when I knew nothing about it.","start":4260.59,"end":4265.63,"sentiment":"neutral","sentiment_score":-0.09307526163756848},{"text":"And then all of a sudden, out of nowhere, I think probably my sister-in-law ended up having to have IVF because she had endometriosis.","start":4265.63,"end":4274.7554,"sentiment":"neutral","sentiment_score":-0.08230241946876049}],"sentiment":"neutral","sentiment_score":-0.03772418523828189,"num_words":45,"start":4255.775,"end":4274.7554},{"sentences":[{"text":"One of a couple of my work colleagues, it's so, so common.","start":4275.2153,"end":4279.555,"sentiment":"neutral","sentiment_score":-0.04341504288216432},{"text":"And we just they just there's no way to diagnose it without having a without the doctors actually going in and having a look, unfortunately.","start":4280.815,"end":4288.6597,"sentiment":"neutral","sentiment_score":-0.1731285858154297},{"text":"The sore?","start":4293.04,"end":4293.86,"sentiment":"neutral","sentiment_score":-0.06699030101299286},{"text":"No.","start":4294.88,"end":4295.1997,"sentiment":"neutral","sentiment_score":-0.20216158032417297},{"text":"Nope.","start":4295.1997,"end":4295.44,"sentiment":"neutral","sentiment_score":-0.21320080757141113}],"sentiment":"neutral","sentiment_score":-0.1316716621925191,"num_words":41,"start":4275.2153,"end":4295.44},{"sentences":[{"text":"That was during the whole IVF process.","start":4295.44,"end":4297.6797,"sentiment":"neutral","sentiment_score":-0.1891291652406965},{"text":"So when I went and saw the IVF doctor, the first thing that they wanted to do was go in and have a quick squeeze to see what was going on because my scans weren't really providing any information.","start":4297.6797,"end":4310.515,"sentiment":"neutral","sentiment_score":-0.158877109678892},{"text":"I had a bunch of blood tests done to make sure, you know, they check for yep.","start":4311.055,"end":4319.98,"sentiment":"neutral","sentiment_score":-0.07674207483582637},{"text":"They check your and quality as well somehow through your blood, but I know how they do that, but they do.","start":4320.2803,"end":4325.8203,"sentiment":"neutral","sentiment_score":-0.05700996992666097},{"text":"Yeah.","start":4327.56,"end":4328.06,"sentiment":"neutral","sentiment_score":0.0972239077091217}],"sentiment":"neutral","sentiment_score":-0.11676131961319376,"num_words":85,"start":4295.44,"end":4328.06},{"sentences":[{"text":"And then yeah.","start":4328.555,"end":4332.395,"sentiment":"neutral","sentiment_score":0.10160540044307709},{"text":"Yep.","start":4332.395,"end":4332.895,"sentiment":"neutral","sentiment_score":0.043049003928899765},{"text":"So the very first thing we did before we even started a IVF cycle, so you're growing your eggs and retrieving them, was the laparoscopy where they went in, and that's when like, he said to me from my just conversation with him was that more than likely, I will be having a tube removed at a minimum just based on the information I gave him, and they ended up removing a fair bit of endo.","start":4332.955,"end":4365.155,"sentiment":"neutral","sentiment_score":-0.06438557108815171},{"text":"And, then I went straight in yep.","start":4365.455,"end":4369.6147,"sentiment":"neutral","sentiment_score":-0.02957226083214794},{"text":"I went straight into a cycle the next month, and I fell pregnant the first time around because my insides were nice and clean and suitable for a little baby.","start":4369.6147,"end":4380.9,"sentiment":"neutral","sentiment_score":0.052033567676941554}],"sentiment":"neutral","sentiment_score":-0.02727723925605289,"num_words":117,"start":4328.555,"end":4380.9},{"sentences":[{"text":"But my next one my next one, I had a little bit more.","start":4380.96,"end":4388.395,"sentiment":"neutral","sentiment_score":0.2351387389577352},{"text":"I think we went through a full cycle, and we ended up my Jaxi was probably the second last embryo we had left.","start":4388.935,"end":4397.195,"sentiment":"neutral","sentiment_score":0.1016861608494883},{"text":"And I think we went through three three transfers before we got Jack's and another full cycle of egg retrievals.","start":4398.215,"end":4406.28,"sentiment":"neutral","sentiment_score":0.05348581448197365},{"text":"But no, I am so happy I'm so happy to share.","start":4408.1,"end":4417.155,"sentiment":"neutral","sentiment_score":0.31149764596061275},{"text":"It is it is really taxing emotionally just because of the hormones.","start":4417.155,"end":4422.695,"sentiment":"negative","sentiment_score":-0.46765290076533955}],"sentiment":"neutral","sentiment_score":0.05417646698748009,"num_words":79,"start":4380.96,"end":4422.695},{"sentences":[{"text":"Jake, you have to be extremely no, Jake.","start":4424.835,"end":4427.83,"sentiment":"neutral","sentiment_score":-0.16894030943512917},{"text":"You've gotta be extremely quiet and supportive, and don't argue about anything.","start":4427.83,"end":4432.33,"sentiment":"neutral","sentiment_score":-0.08341201798369487},{"text":"It does it it It it does it does.","start":4434.39,"end":4442.875,"sentiment":"neutral","sentiment_score":-0.06951352953910828},{"text":"No.","start":4444.375,"end":4444.6147,"sentiment":"neutral","sentiment_score":-0.046569839119911194},{"text":"You're you're absolutely fine.","start":4444.6147,"end":4446.875,"sentiment":"neutral","sentiment_score":0.05921173840761185}],"sentiment":"neutral","sentiment_score":-0.08199445125372971,"num_words":34,"start":4424.835,"end":4446.875},{"sentences":[{"text":"No.","start":4449.815,"end":4450.215,"sentiment":"neutral","sentiment_score":0.08131124079227448},{"text":"You're absolutely fine.","start":4450.215,"end":4451.595,"sentiment":"positive","sentiment_score":0.43816930055618286},{"text":"No.","start":4452.535,"end":4453.035,"sentiment":"neutral","sentiment_score":-0.006006188690662384},{"text":"Yeah.","start":4457.77,"end":4458.17,"sentiment":"neutral","sentiment_score":0.024587076157331467},{"text":"No.","start":4458.17,"end":4458.4097,"sentiment":"neutral","sentiment_score":0.007260333746671677}],"sentiment":"neutral","sentiment_score":0.20309433766773768,"num_words":7,"start":4449.815,"end":4458.4097},{"sentences":[{"text":"I'm always happy to have a chat about that.","start":4458.4097,"end":4460.25,"sentiment":"neutral","sentiment_score":0.26111002763112384},{"text":"So let tomorrow know if she ever needs needs a chat or, you know, you see the doctor and you wanna share your thoughts and what they've said, I'm always happy to have a chat about that.","start":4460.25,"end":4470.745,"sentiment":"neutral","sentiment_score":0.26781515092463104},{"text":"It's it's yeah.","start":4470.745,"end":4475.005,"sentiment":"positive","sentiment_score":0.34603730340798694},{"text":"It's really it's a it's a hard road to go down, but as long as you're both on the same team and support each other, it's so much easier.","start":4475.145,"end":4485.2603,"sentiment":"neutral","sentiment_score":0.2075065093050743},{"text":"Yeah.","start":4488.6,"end":4489.1,"sentiment":"neutral","sentiment_score":0.1122629940509796}],"sentiment":"neutral","sentiment_score":0.24591410768371594,"num_words":79,"start":4458.4097,"end":4489.1},{"sentences":[{"text":"Yeah.","start":4491.0,"end":4491.4004,"sentiment":"neutral","sentiment_score":0.14454640448093414},{"text":"Yep.","start":4491.4004,"end":4491.8003,"sentiment":"neutral","sentiment_score":0.19739794731140137},{"text":"No.","start":4491.8003,"end":4492.12,"sentiment":"neutral","sentiment_score":0.1643390655517578},{"text":"I'm sure you guys will absolutely have a positive 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know.","start":4503.695,"end":4506.195,"sentiment":"neutral","sentiment_score":-0.11013283208012581},{"text":"Yeah.","start":4510.4946,"end":4510.71,"sentiment":"neutral","sentiment_score":-0.1018998920917511},{"text":"Yeah.","start":4514.55,"end":4514.71,"sentiment":"neutral","sentiment_score":-0.048907678574323654}],"sentiment":"neutral","sentiment_score":-0.17028014713691342,"num_words":18,"start":4498.895,"end":4514.71},{"sentences":[{"text":"Yeah.","start":4514.71,"end":4515.21,"sentiment":"neutral","sentiment_score":-0.05271697789430618},{"text":"I would I would definitely ask them to do well, if there are any any decent, they'd do some investigating before you even started because, otherwise, what's the point of wasting all that money if, you know, the the body is not able to hold the little embryo.","start":4517.11,"end":4538.525,"sentiment":"neutral","sentiment_score":-0.2761501652809481},{"text":"So yeah.","start":4539.06,"end":4541.2197,"sentiment":"neutral","sentiment_score":-0.04525892995297909},{"text":"But if you're just doing an egg retrieval cycle, that's different.","start":4541.2197,"end":4544.1196,"sentiment":"neutral","sentiment_score":-0.09450486166910692},{"text":"I mean, you don't necessarily need to know about endometriosis until you do the transfer.","start":4544.42,"end":4550.28,"sentiment":"neutral","sentiment_score":-0.0909709612528483}],"sentiment":"neutral","sentiment_score":-0.20522806062907367,"num_words":77,"start":4514.71,"end":4550.28},{"sentences":[{"text":"Yeah.","start":4552.9,"end":4553.4,"sentiment":"neutral","sentiment_score":-0.01444319263100624},{"text":"But always yep.","start":4554.02,"end":4560.4546,"sentiment":"neutral","sentiment_score":-0.12857898076375326},{"text":"Yep.","start":4562.4346,"end":4562.9346,"sentiment":"neutral","sentiment_score":-0.12420068681240082},{"text":"No.","start":4576.19,"end":4576.51,"sentiment":"neutral","sentiment_score":-0.213885560631752},{"text":"No.","start":4576.51,"end":4577.01,"sentiment":"neutral","sentiment_score":-0.17480145394802094}],"sentiment":"neutral","sentiment_score":-0.13043826233063424,"num_words":7,"start":4552.9,"end":4577.01},{"sentences":[{"text":"They'll test all that too.","start":4577.39,"end":4579.09,"sentiment":"neutral","sentiment_score":-0.15562433749437332},{"text":"They'll test all that for you too.","start":4581.0947,"end":4582.955,"sentiment":"neutral","sentiment_score":-0.2514708659478596},{"text":"Yeah.","start":4587.015,"end":4587.515,"sentiment":"neutral","sentiment_score":-0.2286667078733444},{"text":"Exactly.","start":4590.455,"end":4590.935,"sentiment":"neutral","sentiment_score":-0.06068366765975952},{"text":"Oh, well, I hope everything goes well.","start":4590.935,"end":4593.735,"sentiment":"neutral","sentiment_score":0.331035489482539}],"sentiment":"neutral","sentiment_score":-0.024310461822010222,"num_words":21,"start":4577.39,"end":4593.735},{"sentences":[{"text":"I'm very excited to hear how you go.","start":4593.735,"end":4596.8003,"sentiment":"positive","sentiment_score":0.5994131602346897},{"text":"Do you have a doctor down there that you you're seeing?","start":4597.98,"end":4600.48,"sentiment":"neutral","sentiment_score":0.028803163970058613},{"text":"Yep.","start":4602.22,"end":4602.72,"sentiment":"neutral","sentiment_score":0.004066444467753172},{"text":"Yeah.","start":4606.62,"end":4607.12,"sentiment":"neutral","sentiment_score":-0.10516484081745148},{"text":"Yep.","start":4608.46,"end":4608.96,"sentiment":"neutral","sentiment_score":-0.03537542745471001}],"sentiment":"neutral","sentiment_score":0.22616664826107974,"num_words":22,"start":4593.735,"end":4608.96},{"sentences":[{"text":"Yep.","start":4610.06,"end":4610.56,"sentiment":"neutral","sentiment_score":0.009239088743925096},{"text":"Fair enough.","start":4610.7,"end":4611.525,"sentiment":"neutral","sentiment_score":0.026585902087390423},{"text":"Fair enough.","start":4611.525,"end":4612.3447,"sentiment":"neutral","sentiment_score":0.013665463775396347},{"text":"Well, I I really look forward to hearing how you guys go.","start":4612.8047,"end":4616.185,"sentiment":"positive","sentiment_score":0.7009993394215902},{"text":"And, also, please tell Tamara if she I know it's a pretty lonely road.","start":4616.965,"end":4621.525,"sentiment":"neutral","sentiment_score":-0.026826050398605212}],"sentiment":"neutral","sentiment_score":0.26213448993380994,"num_words":31,"start":4610.06,"end":4621.525},{"sentences":[{"text":"When I did it, I didn't oh, no.","start":4621.525,"end":4624.725,"sentiment":"neutral","sentiment_score":-0.027202103286981583},{"text":"That's okay.","start":4624.725,"end":4625.545,"sentiment":"neutral","sentiment_score":0.07880944758653641},{"text":"I was yep.","start":4626.63,"end":4631.53,"sentiment":"neutral","sentiment_score":0.03664362120131651},{"text":"Yep.","start":4632.07,"end":4632.57,"sentiment":"neutral","sentiment_score":0.029483895748853683},{"text":"Yep.","start":4635.9897,"end":4636.4897,"sentiment":"neutral","sentiment_score":0.03689661622047424}],"sentiment":"neutral","sentiment_score":0.0077542296300331754,"num_words":15,"start":4621.525,"end":4636.4897},{"sentences":[{"text":"Yep.","start":4636.9497,"end":4637.4497,"sentiment":"neutral","sentiment_score":0.0245169997215271},{"text":"Yeah.","start":4637.825,"end":4638.145,"sentiment":"neutral","sentiment_score":0.014758968725800514},{"text":"So as I was just saying to Jake was, if you're just doing the egg retrieval and freezing, the laparoscopy is not probably really urgent.","start":4638.145,"end":4645.265,"sentiment":"neutral","sentiment_score":-0.06529856815934182},{"text":"But before you do a transfer, definitely have the insides looked out because otherwise, it won't it won't stick, basically, and it sucks.","start":4645.265,"end":4655.3604,"sentiment":"neutral","sentiment_score":-0.14244822380335434},{"text":"Mhmm.","start":4663.9004,"end":4664.4004,"sentiment":"neutral","sentiment_score":-0.13587366044521332}],"sentiment":"neutral","sentiment_score":-0.09814453026389375,"num_words":51,"start":4636.9497,"end":4664.4004},{"sentences":[{"text":"Yeah.","start":4667.6445,"end":4668.1445,"sentiment":"neutral","sentiment_score":-0.07049308717250824},{"text":"Yeah.","start":4668.925,"end":4669.3247,"sentiment":"neutral","sentiment_score":-0.04995594918727875},{"text":"Be prepared to put on some weight.","start":4669.3247,"end":4671.1846,"sentiment":"neutral","sentiment_score":-0.1365564220717975},{"text":"Yeah.","start":4672.2847,"end":4672.7847,"sentiment":"neutral","sentiment_score":-0.1644769012928009},{"text":"I yeah.","start":4676.2847,"end":4678.2847,"sentiment":"neutral","sentiment_score":-0.3151189833879471}],"sentiment":"neutral","sentiment_score":-0.1559215715775887,"num_words":12,"start":4667.6445,"end":4678.2847},{"sentences":[{"text":"Definitely, everything's emotional.","start":4678.2847,"end":4679.7446,"sentiment":"neutral","sentiment_score":-0.23260520895322165},{"text":"Probably prepared to put on some weight.","start":4680.045,"end":4682.21,"sentiment":"neutral","sentiment_score":-0.3248936491353171},{"text":"Like, the the hormones really do mess with you.","start":4682.21,"end":4687.91,"sentiment":"negative","sentiment_score":-0.37584850523206925},{"text":"Weight, I know everyone that I've spoken to does not significantly, but you'll feel a lot more bloated and look a lot more bloated than you probably generally are.","start":4688.13,"end":4697.545,"sentiment":"negative","sentiment_score":-0.40953086470735484},{"text":"And, yeah, I mean, it's just it'll go back it'll go back to normal, but you will feel very, very bloated.","start":4699.3647,"end":4707.065,"sentiment":"neutral","sentiment_score":-0.30361045826049077}],"sentiment":"negative","sentiment_score":-0.3566220640272334,"num_words":69,"start":4678.2847,"end":4707.065},{"sentences":[{"text":"Yeah.","start":4712.8696,"end":4713.19,"sentiment":"neutral","sentiment_score":-0.05014738067984581},{"text":"It depends.","start":4713.19,"end":4713.9297,"sentiment":"neutral","sentiment_score":-0.07465976476669312},{"text":"So depending on what drugs they decide you need or hormones, it can be a couple of different injections a day, one injection a day for a period of two weeks, and then it will change for a to a different one.","start":4714.15,"end":4728.045,"sentiment":"neutral","sentiment_score":0.038487955883500125},{"text":"So they'll give you a schedule and a run sheet basically that with all your drugs and a needle box to take home.","start":4728.045,"end":4735.02,"sentiment":"neutral","sentiment_score":0.09990554821232091},{"text":"And yeah.","start":4735.18,"end":4736.0,"sentiment":"neutral","sentiment_score":0.028318999335169792}],"sentiment":"neutral","sentiment_score":0.05387846920639276,"num_words":70,"start":4712.8696,"end":4736.0},{"sentences":[{"text":"Yeah.","start":4736.94,"end":4737.44,"sentiment":"neutral","sentiment_score":0.01844257116317749},{"text":"But most of them you know, like an EpiPen?","start":4737.5,"end":4740.08,"sentiment":"neutral","sentiment_score":0.0024543429931832682},{"text":"Most of them most of them are like that these days.","start":4741.2603,"end":4743.9,"sentiment":"neutral","sentiment_score":-0.01831999234855175},{"text":"I think I only had one that I was an actual injection needle during the egg retrieval phase.","start":4743.9,"end":4753.1147,"sentiment":"neutral","sentiment_score":-0.030684243887662888},{"text":"But, again, that was a little while seven to ten years ago now for my two, so things have probably changed a lot since then as well.","start":4753.495,"end":4759.995,"sentiment":"neutral","sentiment_score":-0.01431091516106217}],"sentiment":"neutral","sentiment_score":-0.01666211147058868,"num_words":66,"start":4736.94,"end":4759.995},{"sentences":[{"text":"It's probably easier with in respect to the the administration of the hormones.","start":4761.815,"end":4767.25,"sentiment":"neutral","sentiment_score":0.23979993049915022},{"text":"So definitely worthwhile doing.","start":4767.3096,"end":4770.53,"sentiment":"positive","sentiment_score":0.5136061236262321},{"text":"But, yeah, I'm as I was just saying to Jake, if if he's got any questions or you're not sure of anything or you just want someone to talk to that's been through it, I'm happy to sit here and have a chat.","start":4771.3896,"end":4781.185,"sentiment":"neutral","sentiment_score":0.17268202887024992},{"text":"Yeah.","start":4784.685,"end":4785.165,"sentiment":"neutral","sentiment_score":0.2565590739250183},{"text":"Absolutely.","start":4785.165,"end":4785.665,"sentiment":"positive","sentiment_score":0.4243017733097077}],"sentiment":"neutral","sentiment_score":0.21416147870402183,"num_words":62,"start":4761.815,"end":4785.665},{"sentences":[{"text":"Yes.","start":4790.205,"end":4790.43,"sentiment":"neutral","sentiment_score":0.11475421488285063},{"text":"It is.","start":4791.39,"end":4792.1104,"sentiment":"neutral","sentiment_score":0.029833542183041573},{"text":"Yeah.","start":4792.1104,"end":4792.5103,"sentiment":"neutral","sentiment_score":-0.03618069738149643},{"text":"It is scary.","start":4792.5103,"end":4793.49,"sentiment":"neutral","sentiment_score":-0.15636094411214194},{"text":"Yep.","start":4797.95,"end":4798.45,"sentiment":"neutral","sentiment_score":-0.0658743754029274}],"sentiment":"neutral","sentiment_score":-0.04958957573398948,"num_words":8,"start":4790.205,"end":4798.45},{"sentences":[{"text":"Yep.","start":4798.5903,"end":4799.0903,"sentiment":"neutral","sentiment_score":-0.08594521880149841},{"text":"Yeah.","start":4801.47,"end":4801.97,"sentiment":"neutral","sentiment_score":-0.10476982593536376},{"text":"Yeah.","start":4805.635,"end":4806.0347,"sentiment":"neutral","sentiment_score":-0.053189389407634735},{"text":"Yeah.","start":4806.0347,"end":4806.195,"sentiment":"neutral","sentiment_score":-0.06466630846261978},{"text":"Both my sisters have fallen pregnant naturally, but not me, so I understand that.","start":4806.195,"end":4810.5347,"sentiment":"neutral","sentiment_score":-0.10587133573634284}],"sentiment":"neutral","sentiment_score":-0.09948719127310647,"num_words":18,"start":4798.5903,"end":4810.5347},{"sentences":[{"text":"No.","start":4812.195,"end":4812.5146,"sentiment":"neutral","sentiment_score":-0.09007193893194199},{"text":"I'm the first.","start":4812.5146,"end":4813.4946,"sentiment":"neutral","sentiment_score":-0.08581852912902832},{"text":"They're the youngest.","start":4814.5947,"end":4815.655,"sentiment":"neutral","sentiment_score":-0.040135605881611504},{"text":"So yeah.","start":4815.795,"end":4816.5347,"sentiment":"neutral","sentiment_score":-0.005863212049007416},{"text":"So, yeah, they they were fine.","start":4817.955,"end":4821.3896,"sentiment":"neutral","sentiment_score":0.01835876051336527}],"sentiment":"neutral","sentiment_score":-0.024633880332112314,"num_words":15,"start":4812.195,"end":4821.3896},{"sentences":[{"text":"But in saying that as well, I was older.","start":4822.9697,"end":4825.3696,"sentiment":"neutral","sentiment_score":-0.06798177626397875},{"text":"When I had mine, they were younger, so that might have had something to do with it as well.","start":4825.3696,"end":4830.9897,"sentiment":"neutral","sentiment_score":-0.08488709930526583},{"text":"Yeah.","start":4834.055,"end":4834.555,"sentiment":"neutral","sentiment_score":0.0030263587832450867},{"text":"Yeah.","start":4835.1753,"end":4835.6753,"sentiment":"neutral","sentiment_score":0.0109881479293108},{"text":"Yep.","start":4836.455,"end":4836.955,"sentiment":"neutral","sentiment_score":-0.01581510528922081}],"sentiment":"neutral","sentiment_score":-0.07182230554040402,"num_words":31,"start":4822.9697,"end":4836.955},{"sentences":[{"text":"So 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it.","start":4846.12,"end":4857.98,"sentiment":"neutral","sentiment_score":0.2803103363802356},{"text":"Yes.","start":4859.9604,"end":4860.285,"sentiment":"neutral","sentiment_score":0.16420070827007294},{"text":"You must do that.","start":4860.4453,"end":4861.5054,"sentiment":"neutral","sentiment_score":0.1586657278239727},{"text":"Alright.","start":4864.045,"end":4864.545,"sentiment":"neutral","sentiment_score":0.1276940256357193},{"text":"Well, do you have any questions for me from an advice perspective at the 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do.","start":4896.885,"end":4897.605,"sentiment":"neutral","sentiment_score":-0.01324898935854435},{"text":"Unfortunately, no.","start":4897.605,"end":4898.985,"sentiment":"negative","sentiment_score":-0.4177777171134949},{"text":"The reason being is you wouldn't have reached your preservation age yet.","start":4899.045,"end":4902.83,"sentiment":"negative","sentiment_score":-0.46345939735571545},{"text":"So what you're thinking of is probably something where we would maximize age pension if it was there, where we would roll if Tamara was at age pension age, we would roll cash out her super and look at contributing it to yours and sheltering it in yours because it wouldn't be assessable by Centrelink until you reach the age pension age.","start":4902.83,"end":4926.33,"sentiment":"neutral","sentiment_score":-0.01925900722703626},{"text":"So that's one way.","start":4926.49,"end":4927.87,"sentiment":"neutral","sentiment_score":0.08543859422206879}],"sentiment":"neutral","sentiment_score":-0.08873012502927606,"num_words":82,"start":4896.885,"end":4927.87},{"sentences":[{"text":"And by then, you would have reached preservation age so you could access your super through ad hoc withdrawals, etcetera.","start":4928.33,"end":4933.63,"sentiment":"neutral","sentiment_score":0.11202654466032982},{"text":"But that's one way to maximize age pension for a period of time until you reach age pension Now we would just investigate that as we got closer, and that's what I was referring to given the age gap between the two of you.","start":4934.65,"end":4949.1147,"sentiment":"neutral","sentiment_score":0.028948562135073273},{"text":"There are for retirement purposes.","start":4949.255,"end":4952.295,"sentiment":"neutral","sentiment_score":0.05820428654551506},{"text":"And as we get closer to that, there are things that we can do.","start":4952.295,"end":4956.4004,"sentiment":"neutral","sentiment_score":0.17739491696868623},{"text":"But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date.","start":4957.66,"end":4974.0146,"sentiment":"neutral","sentiment_score":0.12880021845921874}],"sentiment":"neutral","sentiment_score":0.09052543380986089,"num_words":115,"start":4928.33,"end":4974.0146},{"sentences":[{"text":"So we'd leave yours invested and growing, and yours would kick in at a later date and substitute than tomorrow's.","start":4974.5547,"end":4983.4097,"sentiment":"neutral","sentiment_score":0.06779070319607854},{"text":"Yeah.","start":4984.11,"end":4984.51,"sentiment":"neutral","sentiment_score":0.019307605922222137},{"text":"Yeah.","start":4984.51,"end":4985.01,"sentiment":"neutral","sentiment_score":0.02962654270231724},{"text":"So there's things yeah.","start":4985.23,"end":4994.11,"sentiment":"neutral","sentiment_score":0.021109061082825065},{"text":"Because you can't yeah.","start":4994.11,"end":4999.115,"sentiment":"neutral","sentiment_score":-0.04770282842218876}],"sentiment":"neutral","sentiment_score":0.04327910477295518,"num_words":30,"start":4974.5547,"end":4999.115},{"sentences":[{"text":"Yep.","start":5006.535,"end":5007.0,"sentiment":"neutral","sentiment_score":-0.1267363727092743},{"text":"Yep.","start":5008.68,"end":5009.18,"sentiment":"neutral","sentiment_score":-0.2252291440963745},{"text":"Yep.","start":5010.52,"end":5011.02,"sentiment":"neutral","sentiment_score":-0.015492732636630537},{"text":"Yep.","start":5013.16,"end":5013.66,"sentiment":"neutral","sentiment_score":-0.1328061670064926},{"text":"Yep.","start":5018.04,"end":5018.54,"sentiment":"neutral","sentiment_score":-0.21484586596488953}],"sentiment":"neutral","sentiment_score":-0.1430220564827323,"num_words":5,"start":5006.535,"end":5018.54},{"sentences":[{"text":"Yeah.","start":5018.92,"end":5019.42,"sentiment":"neutral","sentiment_score":-0.07959936559200287},{"text":"Yeah.","start":5020.2,"end":5020.7,"sentiment":"neutral","sentiment_score":-0.04027322307229042},{"text":"Well, it's always, you know, at the end of the day, if if it's still around then and things like that, there's strategies that we can use to avoid drawing on your super and using your personal wealth.","start":5021.045,"end":5033.2246,"sentiment":"neutral","sentiment_score":0.014284489088152585},{"text":"So, you know, I always terrible to say, but, you know, free money for a period of time if you can get it to supplement your income.","start":5033.3647,"end":5042.28,"sentiment":"neutral","sentiment_score":0.014903936949041154},{"text":"Yeah.","start":5043.46,"end":5043.96,"sentiment":"neutral","sentiment_score":-0.08745966106653214}],"sentiment":"neutral","sentiment_score":0.010851244606515941,"num_words":68,"start":5018.92,"end":5043.96},{"sentences":[{"text":"Exactly.","start":5044.02,"end":5044.52,"sentiment":"neutral","sentiment_score":-0.16303323209285736},{"text":"Yeah.","start":5045.6997,"end":5045.94,"sentiment":"neutral","sentiment_score":0.03753126412630081},{"text":"So they're they're just things we keep an eye on over over time, and they're not things that we need to consider now.","start":5045.94,"end":5051.705,"sentiment":"neutral","sentiment_score":0.0696412091669829},{"text":"But as retirement approaches, we'd definitely be looking at those type of different type of strategies that would benefit you both in the lead up to retirement.","start":5052.165,"end":5063.19,"sentiment":"neutral","sentiment_score":0.23378555311097038},{"text":"Yeah.","start":5065.3296,"end":5065.8296,"sentiment":"neutral","sentiment_score":0.07760278880596161}],"sentiment":"neutral","sentiment_score":0.14841619935238137,"num_words":53,"start":5044.02,"end":5065.8296},{"sentences":[{"text":"No.","start":5071.25,"end":5071.57,"sentiment":"neutral","sentiment_score":-0.1078869104385376},{"text":"That's no.","start":5071.57,"end":5073.19,"sentiment":"neutral","sentiment_score":-0.07606803625822067},{"text":"Ab absolutely fine.","start":5073.4897,"end":5075.11,"sentiment":"neutral","sentiment_score":0.22689227759838104},{"text":"Alright.","start":5075.415,"end":5075.655,"sentiment":"positive","sentiment_score":0.3991551399230957},{"text":"Beautiful.","start":5075.655,"end":5076.135,"sentiment":"positive","sentiment_score":0.7102778553962708}],"sentiment":"neutral","sentiment_score":0.19126085564494133,"num_words":8,"start":5071.25,"end":5076.135},{"sentences":[{"text":"And are you both happy with annual reviews, or would you like yeah.","start":5076.135,"end":5081.0947,"sentiment":"neutral","sentiment_score":0.27177686244249344},{"text":"Yeah?","start":5081.0947,"end":5081.415,"sentiment":"neutral","sentiment_score":0.10861635953187944},{"text":"Okay.","start":5081.415,"end":5081.915,"sentiment":"neutral","sentiment_score":0.14000970125198364},{"text":"Beautiful.","start":5081.9746,"end":5082.4546,"sentiment":"positive","sentiment_score":0.5862058997154236},{"text":"And as I said, any questions in the meantime between now, your next review?","start":5082.4546,"end":5087.0347,"sentiment":"neutral","sentiment_score":0.1055102138114827}],"sentiment":"neutral","sentiment_score":0.1948358055204153,"num_words":30,"start":5076.135,"end":5087.0347},{"sentences":[{"text":"My job from here is I'm going away to do some homework, some research on insurance investments, and then I am gonna one of our team will reach back out to you in about two weeks to book in a time for a second meeting, which we will accommodate when you guys are off swing at home and present the advice to make the changes that we're gonna look at.","start":5088.31,"end":5111.5146,"sentiment":"neutral","sentiment_score":0.13320013130349773},{"text":"Absolutely.","start":5118.18,"end":5118.68,"sentiment":"neutral","sentiment_score":0.02460886724293232},{"text":"Send it through to me.","start":5120.58,"end":5121.9604,"sentiment":"neutral","sentiment_score":-0.07107492573559285},{"text":"Absolutely.","start":5122.1,"end":5122.6,"sentiment":"neutral","sentiment_score":0.04372219741344452},{"text":"I one of my action items is to check with the insurer whether they will consider removing the exclusion.","start":5123.3003,"end":5131.16,"sentiment":"neutral","sentiment_score":-0.021475537631072496}],"sentiment":"neutral","sentiment_score":0.08988469179409246,"num_words":96,"start":5088.31,"end":5131.16},{"sentences":[{"text":"But, yeah, send it through to me, and we'll see what they say.","start":5131.7,"end":5135.0547,"sentiment":"neutral","sentiment_score":0.06325847283005714},{"text":"And then, additionally, you know, we might be able to say to another insurance see if there's another insurance company that wouldn't apply an exclusion based on the fact that you've had the genetic test.","start":5135.275,"end":5146.635,"sentiment":"neutral","sentiment_score":0.07706576621692096},{"text":"So, yeah, send it through to me, and we'll go from there.","start":5146.635,"end":5150.4697,"sentiment":"positive","sentiment_score":0.4879186451435089},{"text":"No worries.","start":5152.85,"end":5153.57,"sentiment":"positive","sentiment_score":0.42330193519592285},{"text":"I'll speak to you both soon, and enjoy the rest of your day.","start":5153.57,"end":5157.27,"sentiment":"positive","sentiment_score":0.5890305890486791}],"sentiment":"neutral","sentiment_score":0.23838249645506343,"num_words":75,"start":5131.7,"end":5157.27},{"sentences":[{"text":"Okay.","start":5158.85,"end":5159.33,"sentiment":"neutral","sentiment_score":0.17998728156089783},{"text":"Bye.","start":5159.33,"end":5159.83,"sentiment":"neutral","sentiment_score":-0.05054565519094467}],"sentiment":"neutral","sentiment_score":0.06472081318497658,"num_words":2,"start":5158.85,"end":5159.83}]}}]},{"alternatives":[{"transcript":"Hello? It sure is. I'm good. Thanks. Yep. That's fine. My full name is Jake Anthony George Simpkins. My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh. Yeah. Yep. Yep. I got a problem. If she is, I'll just go grab her. She's it. Hello. I'm good. Thanks, though. Tomorrow, Lee Olson, in 12/12/1988 1886 River Road. Mhmm. Yep. Yes. No. You're up. No. Yep. NDT technician. Yeah. I mean, I'm not really painting that much anymore, but I guess, technically yeah. He's a non destructive technician. So we do a bunch of different methods for testing, like, gas piping, mining equipment, aerospace, all that kind of, like, high value shit, testing in a way that doesn't cause any damage to it. So, like, ultrasound, X-ray, that kind of crap. So it's very niche, but, yeah, we're just no nerd shit about ultrasound, really. Sounds more impressive than it is. No. On-site. So we drive around to different gas wells all over the site during the day and then spend, I don't know, approximately maybe 40% of the time in the office reporting for about sixty forty. Yeah. Yeah. Yeah. That's all correct. I mean, I haven't really because we bought that investment property. I don't think I've actually done any work for myself this year that I got paid for. But, yeah, that that that that is true. No. So I'm full time out of origin as my employment, and then I just do odd painting jobs here and there. Yep. Out to Chinchilla. So one extreme or the other, it's heavy to chinny. Yeah. I called you. Yeah. $1.47 now. $1.47 now. Yeah. I've got a pay rate. So it'd be $1.47 now. Yeah. Pass over. For, actually, our house. What's this? Sorry? A household expenditure. Okay. How much is a month? Roughly, yeah, for the everything. Yeah. But for that. Right? Yeah. Yeah. That'd be quite advised mortgage repayments. Oh, we pay for it. Yes. Yeah. We do. Thank God. $4.80 a week. But that's expensive. Nothing. They're all good. Yeah. $4.80. Yep. We don't have, like, a flat amount that we save per week. It's more like, I get my account to $10, and then anything extra I have with that at the end of the month, I put into our savings. So, you know, if it's a big bill, we did something at the house. It might only be a thousand bucks that month. If it's a good month where there wasn't really outlays, I might say $5 that month at all. Depends. Yeah. I don't really have a set weekly. We sort of live month to month because we have jobs. No. Just just the 12% from the employer. No. Probably not at this stage. Yeah. Yep. Same roster, different site. So we don't get to see each other at work, but we get the two weeks off together, which is great. SRG Global. We're we're contracted to Origin. So both Jake and I work for the same company, and we contract to Origin. Well, they they've got the contracts for the integrity out there. Yeah. Yep. I'm not at this stage. No. Probably not at this stage. They made me $40,000 last year, so they're doing alright. Yeah. Definitely. We've we've just been we've put off our our tax. Well, I'm at I'm actually just, like, I'm three years behind because we were no. Yeah. No. We we were expecting a bill because our last employer stuffed up with tax contributions. So I was expecting a $10,000 bill. So what we were doing is waiting to get this investment property done, which we have done. And I've got to send everything through so I'd we don't get smashed, essentially. Yeah. Definitely. Yep. Yeah. Definitely. There's that, and we're gonna look into investments as well eventually. So Yep. Changed a little. Yeah. So I think hold on. I'll just check my bank. Account. The debt on the home loan is 80,000 82,000. And according to realestate.com, this place is worth $8.50. Yeah. Georgetown in Tasmania. Yes. Yeah. So that's $4.28 now, and we're we don't know the value of it at this stage, but 6 100 sounds about right. 19 Esplanade North. Right. It's getting an evaluation done this week because I'm getting Jake's name put onto our primary residence, and we had to get a loan out in both of our names instead of my own solely. And they just obviously, they have plenty of equity in this place, but they just wanna you know? And I was gonna look at it. Yeah. So realestate.com think it thinks it's $5.10, I think, but that's unrenovated. Mhmm. What does that mean? What Yeah. It's it's joint tenants because if I die, everything goes to Jake. But we just got a will done that if we only in the event that we both pass away, we've worked out what we what our half of the state will go to who that'll go to. Yeah. Like, I just sent through the paperwork on Friday. Yep. Yep. We had a we had a written will out prior to that, but because, you know, we have our super we have quite a lot, like, asset wise. We're just like, we need to do this properly, so we've gone to the solicitor and done a proper one two and a half years later. But, yeah, a lot of a lot of people don't, and I've seen things just go badly, especially with family. So we're just like, you know what? Yeah. Family are the worst. You would think that they'd be their best, but no. Yeah. A red tape as well. Yeah. Yeah. No. That's fine. Once they send them through, I can forward them. A camper van for what? Sorry. 16. It was probably 16. It was it's probably worth 15 now, but yes. You can you can have it for 60,000. We'll deliver it for you for that. Alright. Yeah. Oh, for myself. Oh god. I haven't checked it for, like, a year. Probably, yeah, probably the same. No. It's about 8,000 US. Yeah. That's USD as well. So that's USD as well, not AUD. Hey. I'm sorry. I'm just logging on, make sure that's yeah. 8,300, whatever that works out. The whole the whole, like, $10.11 ish, something like that. No. There's no dent on it anymore. Yeah. I guess so. In that ballpark. No. Some of that went in the reno's. It's definitely not at 90 anymore. Hang on. Let's just pull that up. 5. There's 55,000 in it now. Yeah. Yeah. It's just sad to watching it go down every month, not up. It's finally bounced back. I've got Jet Ski. About $6 worth. No. And we got our engagement ring valued for insurance purposes, and that's worth 33. 33,000. Well, we'll be getting getting individually listed because, yeah, I was like, oh, this is, again, a bit hectic. I'm like, if I can do this properly to yes. Yeah. Yeah. Yeah. Thank you. We've been engaged for, like, almost two years. We bought that house and everything just went to a standstill for quite a while, but we're getting back to sorting our lives out now. So, yeah, hence, wills and insurances and all this shit's finally getting done. Yep. Yep. No. Yep. We both do. Saint Luke's. Oh. Yeah. I don't smoke. Never smoked. I don't take any medication. No. I I can open that up now. This sign request thing, is that what you're talking about? Yeah. Okay. I know I get a million bucks if he died. Oh, no. Yep. Yeah. Yeah. Yeah. Yeah. I definitely wanna update that. I just pulled that document up and went that seems a bit wise. 8,166 income protection. Yeah. That's brand new, but it's been, like, over a $100 for, like, the last three years or so. Yeah. Yeah. $1.38. Yeah. $1.38 or yeah. Or in that ballpark in the last three years has been, like, you know, anywhere from $1.20 to $1.60 depending on how much overtime, whatever I did, but in that ballpark, certainly, for three years at least. Yeah. Maybe $1.40. I think my flat, like, base rate contract is a 140. Well, that's a guaranteed minimum I'll earn. So we'll do that because, yeah, I'll earn a bit more, but rather that that I can prove pretty easily. Yes. Yeah. No. I'm completely clean skin. I have no medical history for myself at all. No issues, yada yada yada. Not any family history. My mother's had breast cancer, but given I'm a bloke, I'm guessing that's pretty low risk for me. I read a joke about being here off after asking how much is traumatic, but I don't actually know what that is. What like, what counts as traumatic? Like, what would happen to me for me to get former insurance? Intermediate. Yeah. That's probably not a bad idea. Yeah. Maybe just amount that's suitable to them when they come back at the I'm guessing I have a $100 mark should just about cover it. Yep. Yeah. Fuck you. I'm having eight weeks off. I nearly died. Machado. Machado. Yep. No. Mhmm. Yeah. I had my sister passed away from it. But, this is actually something I wanted to talk to you about. So I was awaiting a genetics test to see if I held the BRCA gene, which caused cancer, and I don't I don't have it. So I don't know if I can send that through to you or have, and then I can get covered for breast cancer because I've been cleared for the genetic markers for it. That's okay. Yep. Yep. Yeah. That's fine. Yep. Yeah. That's fine. Yep. Yep. I think if if, yeah, if one of us were to pass, 800 to 1,000,000 is plenty. And if I have children, for example, that would keep me out of trouble quite easily, I think, for some time. So I don't see a reason to up it. Yeah. I I'm going through it now, but can I can't seem to go back? Okay. So which paid you? I'm sorry. The performance? Yep. Yep. Yep. Sorry. Can you speak up? What what else is trying to do? Yeah. You're kinda breaking up or something. We can't speak up here very well. Sorry. That's right. Yeah. Yep. Yep. No. Not really. Other than Ben along socks. So I'm just looking at the passenger charge around else, and, yeah, he kind of fucking jumped the ball there. At twenty '4, '21, seven '13, '31, like, they all did pretty well. Yeah. Yep. Mhmm. Yeah. Yeah. Yeah. Go for it. Yep. Yeah. You guys are killing it. It's obviously, like, with the economy at the moment, like, we've just seen a massive up, but, obviously, we're expecting some pretty shitty times moving forward. And I'm trying to, like if you can look at things that can perform in a recession, because that's where we're going. Things that you know, common sense things that the world is sort of moving towards that can try and avoid this big bust. So, like, I got gold there, I see, but, you know, things like, you know, AI investment sort of thing, resources, like, copper's expected to go up. I don't know how that would work. Just, yeah, things that would not tank out or avoid tanking out during a massive recession because that's where we're headed. Yeah. Yeah. No. Yep. Yep. No. I probably decrease my exposure to my risk given the the assumed volatility coming up. Mhmm. Yes. Yep. Yeah. Yeah. It's tank. Yeah. The Australian listed stuff hit the worst. It's a really good time to have just bought a house. And, like, basically, anything Australian, but international seemed to fare a little bit better. Like, the dip wasn't as aggressive. Mhmm. Yeah. Yeah. That's true. Sorry. My thoughts really haven't changed since the previous one. Like, you guys so you've done quite well with what I've got there. And like you said, I do have I can't access it for twenty three years. So I suppose if there is a downturn like, I I lived through the two thousand and eight financial crisis. My house didn't go up in value for ten years. Like, I understand. It was terrible. Buy a house. But you ride it out. Mhmm. Buy a house during COVID. Well Let's get another pandemic. I think so. Yeah. Yeah. At this stage. I'm not I'm not overly like, what Jake's high risk is because, you know, I am older too. I don't wanna risk too much. At least I have 10% in, you know, more stable sort of investment. So, you know, as long as I Jake wants to probably drop it a bit to my level. He just said yeah. Yeah. I think so. As long as that makes sense to you. I mean, you tell me. But, yeah, I just sort of figure if there there is likely a recessive period coming on. I mean, I'll still be pretty risky, but I might drop down to, like, ninety ten, not a 100. Yep. Just hang that with Alba Tate. Super. I don't like that national asset that we use. Like, woah. Woah. Woah. Woah. Woah. Woah. It's my asset. I don't know. Get the fuck away from me. But, yeah, I wouldn't say it's more it's not so much my attitude to risk. Like, realistically, I have thirty years. If it dropped fucking twenty, thirty, 40% one year, it's not like I'd shit in the bed about whatever. But I just think it's probably more likely than not that the market will go down. And then I think in the long term, I'll probably end up making more money being slightly more defensive now. That makes sense. Yeah. Nothing. I don't know. Super to me is, like, that would be great if that pans out when I'm 60 and I've got a bunch of money, but it's by no means what I'm, like, relying on. Like, I'm 30. I'm a I'll probably pay this house off in the next year or two. I got that investment property. I kinda see that as my actual defense of, like because the market shit itself, we had a massive downturn. We both lost our jobs, not that we'd wanted, and we could sell our investment property, pay this one off clear, and not work for fucking two or three years, and it wouldn't really affect our lives. That to me is my thought of, like, actual defense. Yeah. Super is like yeah. In thirty years, wouldn't it be nice if I had an extra fucking million or $2? That'd be awesome. But I'm not actually conducting it either way, if That makes sense? Like, I'm assuming I'm just not getting anything. That that's my assumption, and I might as well No. Like, you know, like, I'm preparing to have you know, ideally, if I sold this house, I got a million dollars. I can move in the other one when I'm 60, and I don't need my sofa. But Yep. No. Yep. Yep. The lovely photo of Connor too. That's definitely my second favorite part. That's why, mate. That's why we go here. Hello? Yep. Yep. I have nothing to find. Yep. Yep. No. You're alright. Yep. Yep. Yep. Yep. Yep. Okay. So my current method is just inboxing Connor and trying to get this sorted out for me and get someone to call me. Yep. No. That's all good. Yep. Yeah. Renos is done, and we paid off, I don't know, what was it, about $40 off our main mortgage since last we spoke. So yeah. Yeah. Yep. Yep. That's a very creative word. I can buy it kinda originally. 1,000,000,000 dollars. Oh, no. Probably, like, a $100 a year. So my intention would be that, yeah, that we would sell this place that we live out, our big property, and move into our investment property that's smaller and by the water. And between that and super, I'd sort of hope to have, you know, 1 point something million dollars invested and probably just live on the interest, which is assuming, like, a safe return of anywhere between four and eight taken out 80 to $100,000 a year should be more than comfortable just for like today's money? Yeah. Today's money. Just for I don't know. Yeah. Probably blow $40 on holidays, buy a fucking wanky four wheel drive on there. Buy my kids inheritance if I have them. So I can panic. Yeah. Yep. Yeah. Pretty much. Well, on the age I am, like, if it drops 50% right now, I don't really see that as much of an issue. Like, I'm gonna be here for thirty more years at least whether I like it or not. But it's not I don't I don't really find that that concerning, so I'd rather sort of push quite a bit. Also, I'm still younger and then taper off as I get older. Yes. Yep. We'd probably both like to get, like, a personal share account going. So we're talking about this and, like, we've got, you know, like, say, a million ish dollars in Equity. Equity, but it's pretty much all in our properties. And, like, that's great. And all of them now, I'm sort of starting to feel like, yeah, I might be a bit over leveraged in that. I should start on my own personal share account or gold or something else. Just I I feel like we're a bit too much all eggs in the one basket at the moment. Yeah. Probably, yeah, just contributing from, like, cash flow mainly. It sort of depends on what the equity comes back at for this this other place, which is getting valued. But, yeah, probably more my own contribution. Yeah. I don't know. Like, as much as possible. I don't really do, like, a weekly thing. Like I said, I I keep my personal account at $10, and then whatever I have over that at the end of the month, I just paid all that mortgage at the moment. But if I can make more than like, interest rates are six ten at the moment or whatever they are, like, if I can make sort of eight to 10 in the stock market, then I don't necessarily see that as being that advantageous. Especially, we're getting pretty close to being like we got 55 in that offset and the mortgage or 80. Once I get to 80 in savings, then, like, it's not really offsetting anything anymore, which I get pretty close to. Yeah. Probably investment over time. Oh, yeah. That's fine. Yeah. At least, like, a 5 To 10. To 10 would be fine. Yeah. Yep. I would say probably do, like, a monthly minimum of 500, and then I'd probably just split whatever I have over $10 between additionally going to the offset and additional payments to that account, if that makes sense. Do you know what I mean? Yeah. Yeah. Pretty much. Probably do something like that. Probably make sense for us just because yeah. Like, I don't know. I don't know. I'll build this so much different month to month, depends on the house. Also, our property, like, if we buy something here, a fence is not cheap. Like, we're spending thousands of dollars. We're on acreage. And then, also, if if we do overcycle, like, our income almost doubles that month. So it's alright. It's quite it's quite unstable, like, the amount. But, yeah, I would say we all I always put something. Like, as a bare minimum, I put 2.5 or 20 $800 into the other account. But, like, last month, I put 5,800 because I whenever I had it, so I did. Yeah. Yeah. I'll just put it in joint names. So she has access. And, like, if I die, there's no rigmarole waiting, any of that kind of crap. She just has a name on it. Wait on it. Yeah. I don't know. Ideal. No. Well, ideally, it's as soon as possible. But, like, realistically, we're facing a country where pensions will not be available when we're of age. I don't wanna have to rely on that. So that's that's the big one. Like, if I can have enough income to pay bills and go on holidays once or twice a year, You know, that that is the ultimate goal there. Oh, no. I wanna sit here for eight years and watch him work. I wanna retire away. It's really just as soon as we hit that that comfortable figure, really, that we can no longer work or pursue something that we're both more, you know yeah. Well, we we can like, I I may still work, but pursue something that I enjoy rather than what I'm chasing for money type thing. Yeah. Absolutely. Yeah. Surplus. Not really. So we we're just starting we're going to start the process for IVF or for embryo freezing or egg retrieval and embryo. So the the the hurdle close, like, close term is whether we can have children. If we can, we can financially sort of maintain because realistically, I may not be able to work for six months to a year. I can't do FIFA with children at home. So my income will probably substantially drop in that period. So it's just getting through that together and having enough to to live live on and with no pension. I would say in two years. So I'm 38 in December. If I do the egg retrieval within the next year, it'll be a a reevaluate everything, see where we're at, because it would be extremely difficult right now with all the bills and us looking out where it's for me to completely stop working and also have children at home. So there might be things that we need to look at there. But if we can't, it's all steam ahead with earning. Thank you. Obviously, it was successful for for you. So was it may I ask how much it cost you? The process? No. Oh, that's not too bad. I was I remember horror stories from years ago at being upwards of 20,000 because I I haven't been you know, you know, I've only just recently looked into this because I've never been able to fall pregnant. So, you know, if it is because I and, like, lucky for you, congratulations, you it works for you. And a lot of people I know have to go through it three, four times sort of thing. So yep. Yeah. Okay. It's a bizarre it's a bizarre one for me because I went in and I I had the scans and everything, and I had normal ovaries. I have a spot on cycle. I do get pain, but I don't have children. So, you know, mom had period pain. But I just have never been able to fall pregnant, and I think it's because I've got a overactive thyroid or used to. And it's just yeah. One of my mom's sisters just never fell pregnant. She adopted two back in the day. So I don't I don't know. It's a weird family thing or what. Did you have a lot of pain or any yeah. Yeah. That's usually the the telltale is the pain, and I'm shit for about two days every month. I can see it. Oh, wow. Oh, wow. Were your cycles normal? Sorry if I'm going too deep, but I'm yeah. Yeah. Yeah. Well, that's the big thing for me too. Like, I feel this genetics test that I was waiting on for the cancer because, obviously, BRCA the BRCA gene is lone receptive or generally with fluctuations in hormones triggers cancer. And the OBG didn't wanna proceed until I had the all clear for that. That was a bit of a nerve wracking time because if, you know, if I had have been positive for the BRCA gene, they would have just hysterectomy, get it all out, do it now before you get cancer. So that was a massive relief. That was huge relief, but now let's go. Yeah. Did they investigate that once you started your IVF process, or was that something you've received prior to that? Yeah. Hormones and everything. Yep. They yeah. Yeah. Magic. Texas like magic. Idiot. Did that help once they've removed? Yeah. Yeah. Awesome. Yeah. Yep. How was that process? Sorry. I'm I'm very I I haven't spoken to many people about it. Jake's gotta move out for a month. I'm the arguer. I'm not gonna lock the guns up. I just this is he's gonna lock the guns up. Oh, sorry. I just got a quick call I gotta take. I'll give you over to Jake. Sorry. Hey. Sorry. I'm back. Thank you for sharing all that with us. It's very, very much appreciated that because, yeah, we don't really we don't know anyone down here and certainly no one that's gone through IVF. That's awesome. Really. We really we both really appreciate that. Thank you. Yeah. No. I'm looking forward to it, like, where get it to me if we could. We have an ordeal? We've been waiting so far. Like, we first went two years ago, and, obviously, there's been an excessive waiting, but but nothing's been done yet. I mean, it's been two years ago. Do something already. Come on, man. Hurry up. Yeah. I think you Yeah. I've made the running joke, and it would be funny if we did all this genetic testing because we end up paying for it out of pocket because anyway, whenever we just had to pay for it, then we did all of this, and then it turns out I was there all the time. It was just been a running joke. Like, we jumped through hoops to pay for ourselves, and we finally get the checking of my foot off. They're like, oh, you know, sterile the whole time. What a fucking waste of time. No. I'm sure it'll all be fine. Hey. I'll be so mad. I mean, I'm not doing that. Why don't we do this first, you fucking asshole? I could do all this shit beforehand. Thank you. Yeah. Yeah. It was doctor Ben, his last name. He's Indian fellow. Lovely guy. I can't for the life of me say his last name. I'd say just Ben to me. Thank you. Just back to me there. Thank you for the information. I appreciate you telling me stuff about it because, you know, the doctor's just like, yeah. We'll just go in and get your eggs, and then we'll we'll fertilize them. And then, you know, you you will have some, and then we'll put them in. I'm like, cool. I know that. Tell me more. Yeah. That's mhmm. Yeah. Okay. Yeah. I heard that a lot of women struggle through the egg retrieval process because the hormones are just so bad, and and you struggle a bit, but it yeah. I know what it's like to have PMS in it. I imagine that's 10 times worse. Everything's emotional. So is it, like, an injection once a day for a month or something and then they go in? Or Yeah. Yeah. Yeah. Coming. No. Thank you. Thanks for being forward with it too. It's nice nice to hear of other people's experiences before you kinda step in it blind because, you know, now my sister had hers naturally, my other sister, and my mother struggled to fall pregnant but did. And I've just I've not even had a scare my entire life. You know, it's like, oh, okay. Well, something's going on there. Are you the third child? Oh. Yeah. Yeah. My sister was, like, 21 when she fell. My mom was older when she fell pregnant, so she she had her first at 26 and her last at 41. Yeah. Yeah. It reminded me now to send those details through them because I haven't done that yet. Damn. I have one, which I probably jumped with the gun by about twenty years here. But when given, like, the difference in age between the expired, obviously, they're gonna access her super before May. When we get close to that age, is there a way to, like, join super accounts and effectively, like, sneak getting access to my super by rolling it into hers or you you know what I'm trying to get at? Fuck. Yeah. Yeah. What have we spent down the other one? Yeah. So so you can do the opposite and avoid having super early so you can get an age pension, but you can't really give her my super and get access to it earlier. Like, we're hoping, you know, like, if everything keeps tracking the way it tracks, by the time tomorrow is 60, we don't have both these places outright, having a bit of personal shares, and, you know, each have a million dollars in super. And, you know, well, I don't need to work anymore. Even though I'm only 53, say, or whatever the fuck. Yeah. Is that right? 60 or two? Yeah. 50 three. I don't know. I don't actually need to work. I don't I don't wanna avoid I'm not trying to get more pension. Do quite the opposite. I'm trying to just fund fucking leave me alone. Yeah. I mean okay. No tax. I'll definitely take it if it exists. I'm just not that confident that it will. Yep. Cool. Yeah. I just thought I'd ask because I yeah. I have no idea how that works. Obviously, no one here being old enough to access it, but we sort of ask. Yeah. It works. But, yeah, that was bad, really. Yeah. Yeah. Yeah. Yeah. And you're fine. Yep. Yep. Sorry. We also need a copy of tomorrow's genetics thing just to see if the insurance can cover it now. I'm not sure if she I'm through that with you or not? Ma'am? Yes. Beautiful. Yeah. Cool. Awesome. Awesome. Thank you. Appreciate it. Alright. Thank you. 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It sure is. I'm good. Thanks. Yep.\n\nThat's fine. My full name is Jake Anthony George Simpkins. My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh. Yeah. Yep.\n\nYep. I got a problem. If she is, I'll just go grab her. She's it. Hello.\n\nI'm good. Thanks, though. Tomorrow, Lee Olson, in 12/12/1988 1886 River Road. Mhmm. Yep.\n\nYes. No. You're up. No. Yep.\n\nNDT technician. Yeah. I mean, I'm not really painting that much anymore, but I guess, technically yeah. He's a non destructive technician. So we do a bunch of different methods for testing, like, gas piping, mining equipment, aerospace, all that kind of, like, high value shit, testing in a way that doesn't cause any damage to it.\n\nSo, like, ultrasound, X-ray, that kind of crap. So it's very niche, but, yeah, we're just no nerd shit about ultrasound, really. Sounds more impressive than it is. No. On-site.\n\nSo we drive around to different gas wells all over the site during the day and then spend, I don't know, approximately maybe 40% of the time in the office reporting for about sixty forty. Yeah. Yeah. Yeah. That's all correct.\n\nI mean, I haven't really because we bought that investment property. I don't think I've actually done any work for myself this year that I got paid for. But, yeah, that that that that is true. No. So I'm full time out of origin as my employment, and then I just do odd painting jobs here and there.\n\nYep. Out to Chinchilla. So one extreme or the other, it's heavy to chinny. Yeah. I called you.\n\nYeah. $1.47 now. $1.47 now. Yeah. I've got a pay rate.\n\nSo it'd be $1.47 now. Yeah. Pass over. For, actually, our house. What's this?\n\nSorry? A household expenditure. Okay. How much is a month? Roughly, yeah, for the everything.\n\nYeah. But for that. Right? Yeah. Yeah.\n\nThat'd be quite advised mortgage repayments. Oh, we pay for it. Yes. Yeah. We do.\n\nThank God. $4.80 a week. But that's expensive. Nothing. They're all good.\n\nYeah. $4.80. Yep. We don't have, like, a flat amount that we save per week. It's more like, I get my account to $10, and then anything extra I have with that at the end of the month, I put into our savings.\n\nSo, you know, if it's a big bill, we did something at the house. It might only be a thousand bucks that month. If it's a good month where there wasn't really outlays, I might say $5 that month at all. Depends. Yeah.\n\nI don't really have a set weekly. We sort of live month to month because we have jobs. No. Just just the 12% from the employer. No.\n\nProbably not at this stage. Yeah. Yep. Same roster, different site. So we don't get to see each other at work, but we get the two weeks off together, which is great.\n\nSRG Global. We're we're contracted to Origin. So both Jake and I work for the same company, and we contract to Origin. Well, they they've got the contracts for the integrity out there. Yeah.\n\nYep. I'm not at this stage. No. Probably not at this stage. They made me $40,000 last year, so they're doing alright.\n\nYeah. Definitely. We've we've just been we've put off our our tax. Well, I'm at I'm actually just, like, I'm three years behind because we were no. Yeah.\n\nNo. We we were expecting a bill because our last employer stuffed up with tax contributions. So I was expecting a $10,000 bill. So what we were doing is waiting to get this investment property done, which we have done. And I've got to send everything through so I'd we don't get smashed, essentially.\n\nYeah. Definitely. Yep. Yeah. Definitely.\n\nThere's that, and we're gonna look into investments as well eventually. So Yep. Changed a little. Yeah. So I think hold on.\n\nI'll just check my bank. Account. The debt on the home loan is 80,000 82,000. And according to realestate.com, this place is worth $8.50. Yeah.\n\nGeorgetown in Tasmania. Yes. Yeah. So that's $4.28 now, and we're we don't know the value of it at this stage, but 6 100 sounds about right. 19 Esplanade North.\n\nRight. It's getting an evaluation done this week because I'm getting Jake's name put onto our primary residence, and we had to get a loan out in both of our names instead of my own solely. And they just obviously, they have plenty of equity in this place, but they just wanna you know? And I was gonna look at it. Yeah.\n\nSo realestate.com think it thinks it's $5.10, I think, but that's unrenovated. Mhmm. What does that mean? What Yeah. It's it's joint tenants because if I die, everything goes to Jake.\n\nBut we just got a will done that if we only in the event that we both pass away, we've worked out what we what our half of the state will go to who that'll go to. Yeah. Like, I just sent through the paperwork on Friday. Yep. Yep.\n\nWe had a we had a written will out prior to that, but because, you know, we have our super we have quite a lot, like, asset wise. We're just like, we need to do this properly, so we've gone to the solicitor and done a proper one two and a half years later. But, yeah, a lot of a lot of people don't, and I've seen things just go badly, especially with family. So we're just like, you know what? Yeah.\n\nFamily are the worst. You would think that they'd be their best, but no. Yeah. A red tape as well. Yeah.\n\nYeah. No. That's fine. Once they send them through, I can forward them. A camper van for what?\n\nSorry. 16. It was probably 16. It was it's probably worth 15 now, but yes. You can you can have it for 60,000.\n\nWe'll deliver it for you for that. Alright. Yeah. Oh, for myself. Oh god.\n\nI haven't checked it for, like, a year. Probably, yeah, probably the same. No. It's about 8,000 US. Yeah.\n\nThat's USD as well. So that's USD as well, not AUD. Hey. I'm sorry. I'm just logging on, make sure that's yeah.\n\n8,300, whatever that works out. The whole the whole, like, $10.11 ish, something like that. No. There's no dent on it anymore. Yeah.\n\nI guess so. In that ballpark. No. Some of that went in the reno's. It's definitely not at 90 anymore.\n\nHang on. Let's just pull that up. 5. There's 55,000 in it now. Yeah.\n\nYeah. It's just sad to watching it go down every month, not up. It's finally bounced back. I've got Jet Ski. About $6 worth.\n\nNo. And we got our engagement ring valued for insurance purposes, and that's worth 33. 33,000. Well, we'll be getting getting individually listed because, yeah, I was like, oh, this is, again, a bit hectic. I'm like, if I can do this properly to yes.\n\nYeah. Yeah. Yeah. Thank you. We've been engaged for, like, almost two years.\n\nWe bought that house and everything just went to a standstill for quite a while, but we're getting back to sorting our lives out now. So, yeah, hence, wills and insurances and all this shit's finally getting done. Yep. Yep. No.\n\nYep. We both do. Saint Luke's. Oh. Yeah.\n\nI don't smoke. Never smoked. I don't take any medication. No. I I can open that up now.\n\nThis sign request thing, is that what you're talking about? Yeah. Okay. I know I get a million bucks if he died. Oh, no.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nI definitely wanna update that. I just pulled that document up and went that seems a bit wise. 8,166 income protection. Yeah. That's brand new, but it's been, like, over a $100 for, like, the last three years or so.\n\nYeah. Yeah. $1.38. Yeah. $1.38 or yeah.\n\nOr in that ballpark in the last three years has been, like, you know, anywhere from $1.20 to $1.60 depending on how much overtime, whatever I did, but in that ballpark, certainly, for three years at least. Yeah. Maybe $1.40. I think my flat, like, base rate contract is a 140. Well, that's a guaranteed minimum I'll earn.\n\nSo we'll do that because, yeah, I'll earn a bit more, but rather that that I can prove pretty easily. Yes. Yeah. No. I'm completely clean skin.\n\nI have no medical history for myself at all. No issues, yada yada yada. Not any family history. My mother's had breast cancer, but given I'm a bloke, I'm guessing that's pretty low risk for me. I read a joke about being here off after asking how much is traumatic, but I don't actually know what that is.\n\nWhat like, what counts as traumatic? Like, what would happen to me for me to get former insurance? Intermediate. Yeah. That's probably not a bad idea.\n\nYeah. Maybe just amount that's suitable to them when they come back at the I'm guessing I have a $100 mark should just about cover it. Yep. Yeah. Fuck you.\n\nI'm having eight weeks off. I nearly died. Machado. Machado. Yep.\n\nNo. Mhmm. Yeah. I had my sister passed away from it. But, this is actually something I wanted to talk to you about.\n\nSo I was awaiting a genetics test to see if I held the BRCA gene, which caused cancer, and I don't I don't have it. So I don't know if I can send that through to you or have, and then I can get covered for breast cancer because I've been cleared for the genetic markers for it. That's okay. Yep. Yep.\n\nYeah. That's fine. Yep. Yeah. That's fine.\n\nYep. Yep. I think if if, yeah, if one of us were to pass, 800 to 1,000,000 is plenty. And if I have children, for example, that would keep me out of trouble quite easily, I think, for some time. So I don't see a reason to up it.\n\nYeah. I I'm going through it now, but can I can't seem to go back? Okay. So which paid you? I'm sorry.\n\nThe performance? Yep. Yep. Yep. Sorry.\n\nCan you speak up? What what else is trying to do? Yeah. You're kinda breaking up or something. We can't speak up here very well.\n\nSorry. That's right. Yeah. Yep. Yep.\n\nNo. Not really. Other than Ben along socks. So I'm just looking at the passenger charge around else, and, yeah, he kind of fucking jumped the ball there. At twenty '4, '21, seven '13, '31, like, they all did pretty well.\n\nYeah. Yep. Mhmm. Yeah. Yeah.\n\nYeah. Go for it. Yep. Yeah. You guys are killing it.\n\nIt's obviously, like, with the economy at the moment, like, we've just seen a massive up, but, obviously, we're expecting some pretty shitty times moving forward. And I'm trying to, like if you can look at things that can perform in a recession, because that's where we're going. Things that you know, common sense things that the world is sort of moving towards that can try and avoid this big bust. So, like, I got gold there, I see, but, you know, things like, you know, AI investment sort of thing, resources, like, copper's expected to go up. I don't know how that would work.\n\nJust, yeah, things that would not tank out or avoid tanking out during a massive recession because that's where we're headed. Yeah. Yeah. No. Yep.\n\nYep. No. I probably decrease my exposure to my risk given the the assumed volatility coming up. Mhmm. Yes.\n\nYep. Yeah. Yeah. It's tank. Yeah.\n\nThe Australian listed stuff hit the worst. It's a really good time to have just bought a house. And, like, basically, anything Australian, but international seemed to fare a little bit better. Like, the dip wasn't as aggressive. Mhmm.\n\nYeah. Yeah. That's true. Sorry. My thoughts really haven't changed since the previous one.\n\nLike, you guys so you've done quite well with what I've got there. And like you said, I do have I can't access it for twenty three years. So I suppose if there is a downturn like, I I lived through the two thousand and eight financial crisis. My house didn't go up in value for ten years. Like, I understand.\n\nIt was terrible. Buy a house. But you ride it out. Mhmm. Buy a house during COVID.\n\nWell Let's get another pandemic. I think so. Yeah. Yeah. At this stage.\n\nI'm not I'm not overly like, what Jake's high risk is because, you know, I am older too. I don't wanna risk too much. At least I have 10% in, you know, more stable sort of investment. So, you know, as long as I Jake wants to probably drop it a bit to my level. He just said yeah.\n\nYeah. I think so. As long as that makes sense to you. I mean, you tell me. But, yeah, I just sort of figure if there there is likely a recessive period coming on.\n\nI mean, I'll still be pretty risky, but I might drop down to, like, ninety ten, not a 100. Yep. Just hang that with Alba Tate. Super. I don't like that national asset that we use.\n\nLike, woah. Woah. Woah. Woah. Woah.\n\nWoah. It's my asset. I don't know. Get the fuck away from me. But, yeah, I wouldn't say it's more it's not so much my attitude to risk.\n\nLike, realistically, I have thirty years. If it dropped fucking twenty, thirty, 40% one year, it's not like I'd shit in the bed about whatever. But I just think it's probably more likely than not that the market will go down. And then I think in the long term, I'll probably end up making more money being slightly more defensive now. That makes sense.\n\nYeah. Nothing. I don't know. Super to me is, like, that would be great if that pans out when I'm 60 and I've got a bunch of money, but it's by no means what I'm, like, relying on. Like, I'm 30.\n\nI'm a I'll probably pay this house off in the next year or two. I got that investment property. I kinda see that as my actual defense of, like because the market shit itself, we had a massive downturn. We both lost our jobs, not that we'd wanted, and we could sell our investment property, pay this one off clear, and not work for fucking two or three years, and it wouldn't really affect our lives. That to me is my thought of, like, actual defense.\n\nYeah. Super is like yeah. In thirty years, wouldn't it be nice if I had an extra fucking million or $2? That'd be awesome. But I'm not actually conducting it either way, if That makes sense?\n\nLike, I'm assuming I'm just not getting anything. That that's my assumption, and I might as well No. Like, you know, like, I'm preparing to have you know, ideally, if I sold this house, I got a million dollars. I can move in the other one when I'm 60, and I don't need my sofa. But Yep.\n\nNo. Yep. Yep. The lovely photo of Connor too. That's definitely my second favorite part.\n\nThat's why, mate. That's why we go here. Hello? Yep. Yep.\n\nI have nothing to find. Yep. Yep. No. You're alright.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. So my current method is just inboxing Connor and trying to get this sorted out for me and get someone to call me. Yep. No. That's all good.\n\nYep. Yeah. Renos is done, and we paid off, I don't know, what was it, about $40 off our main mortgage since last we spoke. So yeah. Yeah.\n\nYep. Yep. That's a very creative word. I can buy it kinda originally. 1,000,000,000 dollars.\n\nOh, no. Probably, like, a $100 a year. So my intention would be that, yeah, that we would sell this place that we live out, our big property, and move into our investment property that's smaller and by the water. And between that and super, I'd sort of hope to have, you know, 1 point something million dollars invested and probably just live on the interest, which is assuming, like, a safe return of anywhere between four and eight taken out 80 to $100,000 a year should be more than comfortable just for like today's money? Yeah.\n\nToday's money. Just for I don't know. Yeah. Probably blow $40 on holidays, buy a fucking wanky four wheel drive on there. Buy my kids inheritance if I have them.\n\nSo I can panic. Yeah. Yep. Yeah. Pretty much.\n\nWell, on the age I am, like, if it drops 50% right now, I don't really see that as much of an issue. Like, I'm gonna be here for thirty more years at least whether I like it or not. But it's not I don't I don't really find that that concerning, so I'd rather sort of push quite a bit. Also, I'm still younger and then taper off as I get older. Yes.\n\nYep. We'd probably both like to get, like, a personal share account going. So we're talking about this and, like, we've got, you know, like, say, a million ish dollars in Equity. Equity, but it's pretty much all in our properties. And, like, that's great.\n\nAnd all of them now, I'm sort of starting to feel like, yeah, I might be a bit over leveraged in that. I should start on my own personal share account or gold or something else. Just I I feel like we're a bit too much all eggs in the one basket at the moment. Yeah. Probably, yeah, just contributing from, like, cash flow mainly.\n\nIt sort of depends on what the equity comes back at for this this other place, which is getting valued. But, yeah, probably more my own contribution. Yeah. I don't know. Like, as much as possible.\n\nI don't really do, like, a weekly thing. Like I said, I I keep my personal account at $10, and then whatever I have over that at the end of the month, I just paid all that mortgage at the moment. But if I can make more than like, interest rates are six ten at the moment or whatever they are, like, if I can make sort of eight to 10 in the stock market, then I don't necessarily see that as being that advantageous. Especially, we're getting pretty close to being like we got 55 in that offset and the mortgage or 80. Once I get to 80 in savings, then, like, it's not really offsetting anything anymore, which I get pretty close to.\n\nYeah. Probably investment over time. Oh, yeah. That's fine. Yeah.\n\nAt least, like, a 5 To 10. To 10 would be fine. Yeah. Yep. I would say probably do, like, a monthly minimum of 500, and then I'd probably just split whatever I have over $10 between additionally going to the offset and additional payments to that account, if that makes sense.\n\nDo you know what I mean? Yeah. Yeah. Pretty much. Probably do something like that.\n\nProbably make sense for us just because yeah. Like, I don't know. I don't know. I'll build this so much different month to month, depends on the house. Also, our property, like, if we buy something here, a fence is not cheap.\n\nLike, we're spending thousands of dollars. We're on acreage. And then, also, if if we do overcycle, like, our income almost doubles that month. So it's alright. It's quite it's quite unstable, like, the amount.\n\nBut, yeah, I would say we all I always put something. Like, as a bare minimum, I put 2.5 or 20 $800 into the other account. But, like, last month, I put 5,800 because I whenever I had it, so I did. Yeah. Yeah.\n\nI'll just put it in joint names. So she has access. And, like, if I die, there's no rigmarole waiting, any of that kind of crap. She just has a name on it. Wait on it.\n\nYeah. I don't know. Ideal. No. Well, ideally, it's as soon as possible.\n\nBut, like, realistically, we're facing a country where pensions will not be available when we're of age. I don't wanna have to rely on that. So that's that's the big one. Like, if I can have enough income to pay bills and go on holidays once or twice a year, You know, that that is the ultimate goal there. Oh, no.\n\nI wanna sit here for eight years and watch him work. I wanna retire away. It's really just as soon as we hit that that comfortable figure, really, that we can no longer work or pursue something that we're both more, you know yeah. Well, we we can like, I I may still work, but pursue something that I enjoy rather than what I'm chasing for money type thing. Yeah.\n\nAbsolutely. Yeah. Surplus. Not really. So we we're just starting we're going to start the process for IVF or for embryo freezing or egg retrieval and embryo.\n\nSo the the the hurdle close, like, close term is whether we can have children. If we can, we can financially sort of maintain because realistically, I may not be able to work for six months to a year. I can't do FIFA with children at home. So my income will probably substantially drop in that period. So it's just getting through that together and having enough to to live live on and with no pension.\n\nI would say in two years. So I'm 38 in December. If I do the egg retrieval within the next year, it'll be a a reevaluate everything, see where we're at, because it would be extremely difficult right now with all the bills and us looking out where it's for me to completely stop working and also have children at home. So there might be things that we need to look at there. But if we can't, it's all steam ahead with earning.\n\nThank you. Obviously, it was successful for for you. So was it may I ask how much it cost you? The process? No.\n\nOh, that's not too bad. I was I remember horror stories from years ago at being upwards of 20,000 because I I haven't been you know, you know, I've only just recently looked into this because I've never been able to fall pregnant. So, you know, if it is because I and, like, lucky for you, congratulations, you it works for you. And a lot of people I know have to go through it three, four times sort of thing. So yep.\n\nYeah. Okay. It's a bizarre it's a bizarre one for me because I went in and I I had the scans and everything, and I had normal ovaries. I have a spot on cycle. I do get pain, but I don't have children.\n\nSo, you know, mom had period pain. But I just have never been able to fall pregnant, and I think it's because I've got a overactive thyroid or used to. And it's just yeah. One of my mom's sisters just never fell pregnant. She adopted two back in the day.\n\nSo I don't I don't know. It's a weird family thing or what. Did you have a lot of pain or any yeah. Yeah. That's usually the the telltale is the pain, and I'm shit for about two days every month.\n\nI can see it. Oh, wow. Oh, wow. Were your cycles normal? Sorry if I'm going too deep, but I'm yeah.\n\nYeah. Yeah. Well, that's the big thing for me too. Like, I feel this genetics test that I was waiting on for the cancer because, obviously, BRCA the BRCA gene is lone receptive or generally with fluctuations in hormones triggers cancer. And the OBG didn't wanna proceed until I had the all clear for that.\n\nThat was a bit of a nerve wracking time because if, you know, if I had have been positive for the BRCA gene, they would have just hysterectomy, get it all out, do it now before you get cancer. So that was a massive relief. That was huge relief, but now let's go. Yeah. Did they investigate that once you started your IVF process, or was that something you've received prior to that?\n\nYeah. Hormones and everything. Yep. They yeah. Yeah.\n\nMagic. Texas like magic. Idiot. Did that help once they've removed? Yeah.\n\nYeah. Awesome. Yeah. Yep. How was that process?\n\nSorry. I'm I'm very I I haven't spoken to many people about it. Jake's gotta move out for a month. I'm the arguer. I'm not gonna lock the guns up.\n\nI just this is he's gonna lock the guns up. Oh, sorry. I just got a quick call I gotta take. I'll give you over to Jake. Sorry.\n\nHey. Sorry. I'm back. Thank you for sharing all that with us. It's very, very much appreciated that because, yeah, we don't really we don't know anyone down here and certainly no one that's gone through IVF.\n\nThat's awesome. Really. We really we both really appreciate that. Thank you. Yeah.\n\nNo. I'm looking forward to it, like, where get it to me if we could. We have an ordeal? We've been waiting so far. Like, we first went two years ago, and, obviously, there's been an excessive waiting, but but nothing's been done yet.\n\nI mean, it's been two years ago. Do something already. Come on, man. Hurry up. Yeah.\n\nI think you Yeah. I've made the running joke, and it would be funny if we did all this genetic testing because we end up paying for it out of pocket because anyway, whenever we just had to pay for it, then we did all of this, and then it turns out I was there all the time. It was just been a running joke. Like, we jumped through hoops to pay for ourselves, and we finally get the checking of my foot off. They're like, oh, you know, sterile the whole time.\n\nWhat a fucking waste of time. No. I'm sure it'll all be fine. Hey. I'll be so mad.\n\nI mean, I'm not doing that. Why don't we do this first, you fucking asshole? I could do all this shit beforehand. Thank you. Yeah.\n\nYeah. It was doctor Ben, his last name. He's Indian fellow. Lovely guy. I can't for the life of me say his last name.\n\nI'd say just Ben to me. Thank you. Just back to me there. Thank you for the information. I appreciate you telling me stuff about it because, you know, the doctor's just like, yeah.\n\nWe'll just go in and get your eggs, and then we'll we'll fertilize them. And then, you know, you you will have some, and then we'll put them in. I'm like, cool. I know that. Tell me more.\n\nYeah. That's mhmm. Yeah. Okay. Yeah.\n\nI heard that a lot of women struggle through the egg retrieval process because the hormones are just so bad, and and you struggle a bit, but it yeah. I know what it's like to have PMS in it. I imagine that's 10 times worse. Everything's emotional. So is it, like, an injection once a day for a month or something and then they go in?\n\nOr Yeah. Yeah. Yeah. Coming. No.\n\nThank you. Thanks for being forward with it too. It's nice nice to hear of other people's experiences before you kinda step in it blind because, you know, now my sister had hers naturally, my other sister, and my mother struggled to fall pregnant but did. And I've just I've not even had a scare my entire life. You know, it's like, oh, okay.\n\nWell, something's going on there. Are you the third child? Oh. Yeah. Yeah.\n\nMy sister was, like, 21 when she fell. My mom was older when she fell pregnant, so she she had her first at 26 and her last at 41. Yeah. Yeah. It reminded me now to send those details through them because I haven't done that yet.\n\nDamn. I have one, which I probably jumped with the gun by about twenty years here. But when given, like, the difference in age between the expired, obviously, they're gonna access her super before May. When we get close to that age, is there a way to, like, join super accounts and effectively, like, sneak getting access to my super by rolling it into hers or you you know what I'm trying to get at? Fuck.\n\nYeah. Yeah. What have we spent down the other one? Yeah. So so you can do the opposite and avoid having super early so you can get an age pension, but you can't really give her my super and get access to it earlier.\n\nLike, we're hoping, you know, like, if everything keeps tracking the way it tracks, by the time tomorrow is 60, we don't have both these places outright, having a bit of personal shares, and, you know, each have a million dollars in super. And, you know, well, I don't need to work anymore. Even though I'm only 53, say, or whatever the fuck. Yeah. Is that right?\n\n60 or two? Yeah. 50 three. I don't know. I don't actually need to work.\n\nI don't I don't wanna avoid I'm not trying to get more pension. Do quite the opposite. I'm trying to just fund fucking leave me alone. Yeah. I mean okay.\n\nNo tax. I'll definitely take it if it exists. I'm just not that confident that it will. Yep. Cool.\n\nYeah. I just thought I'd ask because I yeah. I have no idea how that works. Obviously, no one here being old enough to access it, but we sort of ask. Yeah.\n\nIt works. But, yeah, that was bad, really. Yeah. Yeah. Yeah.\n\nYeah. And you're fine. Yep. Yep. Sorry.\n\nWe also need a copy of tomorrow's genetics thing just to see if the insurance can cover it now. I'm not sure if she I'm through that with you or not? Ma'am? Yes. Beautiful.\n\nYeah. Cool. Awesome. Awesome. Thank you.\n\nAppreciate it. Alright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.019143138080835342},{"text":"It sure is.","start":3.76,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1826936900615692},{"text":"I'm good.","start":9.44,"end":10.0,"sentiment":"positive","sentiment_score":0.4935276210308075},{"text":"Thanks.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.6584234833717346},{"text":"Yep.","start":19.215,"end":19.695,"sentiment":"neutral","sentiment_score":0.0817699134349823}],"sentiment":"neutral","sentiment_score":0.28680910589173436,"num_words":8,"start":0.88,"end":19.695},{"sentences":[{"text":"That's fine.","start":19.695,"end":20.515,"sentiment":"neutral","sentiment_score":0.22039973735809326},{"text":"My full name is Jake Anthony George Simpkins.","start":27.83,"end":30.33,"sentiment":"neutral","sentiment_score":0.06361428694799542},{"text":"My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh.","start":30.79,"end":38.33,"sentiment":"neutral","sentiment_score":0.07098446724315484},{"text":"Yeah.","start":45.605,"end":46.004997,"sentiment":"neutral","sentiment_score":0.0465756393969059},{"text":"Yep.","start":46.004997,"end":46.245,"sentiment":"neutral","sentiment_score":0.0314406082034111}],"sentiment":"neutral","sentiment_score":0.07684834760924181,"num_words":30,"start":19.695,"end":46.245},{"sentences":[{"text":"Yep.","start":46.245,"end":46.484997,"sentiment":"neutral","sentiment_score":0.021465767174959183},{"text":"I got a problem.","start":46.484997,"end":47.385,"sentiment":"neutral","sentiment_score":-0.04584910906851292},{"text":"If she is, I'll just go grab her.","start":49.605,"end":52.105,"sentiment":"neutral","sentiment_score":-0.030138730769976974},{"text":"She's it.","start":54.725,"end":55.464996,"sentiment":"neutral","sentiment_score":-0.0028603137470781803},{"text":"Hello.","start":58.63,"end":59.13,"sentiment":"neutral","sentiment_score":0.1177644580602646}],"sentiment":"neutral","sentiment_score":-0.018187292793300003,"num_words":16,"start":46.245,"end":59.13},{"sentences":[{"text":"I'm good.","start":61.59,"end":62.230003,"sentiment":"neutral","sentiment_score":0.25126951932907104},{"text":"Thanks, though.","start":62.230003,"end":62.97,"sentiment":"neutral","sentiment_score":0.2827693745493889},{"text":"Tomorrow, Lee Olson, in 12/12/1988 1886 River 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bunch of different methods for testing, like, gas piping, mining equipment, aerospace, all that kind of, like, high value shit, testing in a way that doesn't cause any damage to it.","start":174.92,"end":186.535,"sentiment":"neutral","sentiment_score":-0.06829849882051349}],"sentiment":"neutral","sentiment_score":-0.053217503577144,"num_words":57,"start":162.615,"end":186.535},{"sentences":[{"text":"So, like, ultrasound, X-ray, that kind of crap.","start":186.535,"end":189.275,"sentiment":"neutral","sentiment_score":-0.1946464665234089},{"text":"So it's very niche, but, yeah, we're just no nerd shit about ultrasound, really.","start":192.44,"end":195.96,"sentiment":"neutral","sentiment_score":0.056997085987989395},{"text":"Sounds more impressive than it 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forty.","start":208.54501,"end":218.32501,"sentiment":"neutral","sentiment_score":-0.0017099081139479364},{"text":"Yeah.","start":229.6,"end":229.92001,"sentiment":"neutral","sentiment_score":0.009470383636653423},{"text":"Yeah.","start":229.92001,"end":230.16,"sentiment":"neutral","sentiment_score":0.0166558139026165},{"text":"Yeah.","start":230.16,"end":230.32,"sentiment":"neutral","sentiment_score":0.02940037101507187},{"text":"That's all correct.","start":230.32,"end":231.04001,"sentiment":"neutral","sentiment_score":0.048021615793307625}],"sentiment":"neutral","sentiment_score":0.0034084056572216315,"num_words":41,"start":208.54501,"end":231.04001},{"sentences":[{"text":"I mean, I haven't really because we bought that investment property.","start":231.04001,"end":233.80501,"sentiment":"neutral","sentiment_score":-0.09171769293871793},{"text":"I don't think I've actually done any work for myself this year that I got paid for.","start":233.80501,"end":238.065,"sentiment":"neutral","sentiment_score":-0.11090958162265666},{"text":"But, yeah, that that that that is true.","start":238.445,"end":240.46501,"sentiment":"neutral","sentiment_score":0.0030728308483958244},{"text":"No.","start":248.125,"end":248.365,"sentiment":"neutral","sentiment_score":-0.03062581643462181},{"text":"So I'm full time out of origin as my employment, and then I just do odd painting jobs here and there.","start":248.365,"end":254.68001,"sentiment":"neutral","sentiment_score":0.00026163653958411446}],"sentiment":"neutral","sentiment_score":-0.049912177797021534,"num_words":58,"start":231.04001,"end":254.68001},{"sentences":[{"text":"Yep.","start":262.66,"end":262.995,"sentiment":"neutral","sentiment_score":0.055132851004600525},{"text":"Out to Chinchilla.","start":268.51498,"end":269.57498,"sentiment":"neutral","sentiment_score":0.07420431698362033},{"text":"So one extreme or the other, it's heavy to 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rate.","start":289.34,"end":289.97998,"sentiment":"neutral","sentiment_score":0.03170224837958813}],"sentiment":"neutral","sentiment_score":0.02395124538716945,"num_words":11,"start":284.69998,"end":289.97998},{"sentences":[{"text":"So it'd be $1.47 now.","start":289.97998,"end":291.555,"sentiment":"neutral","sentiment_score":0.03248836100101471},{"text":"Yeah.","start":295.395,"end":295.79498,"sentiment":"neutral","sentiment_score":0.054788462817668915},{"text":"Pass over.","start":295.79498,"end":296.535,"sentiment":"neutral","sentiment_score":0.13561055809259415},{"text":"For, actually, our house.","start":309.57,"end":311.35,"sentiment":"neutral","sentiment_score":0.01729887444525957},{"text":"What's this?","start":311.73,"end":312.13,"sentiment":"neutral","sentiment_score":0.013849793002009392}],"sentiment":"neutral","sentiment_score":0.04181046198521342,"num_words":14,"start":289.97998,"end":312.13},{"sentences":[{"text":"Sorry?","start":312.13,"end":312.63,"sentiment":"neutral","sentiment_score":-0.005773480981588364},{"text":"A household expenditure.","start":312.69,"end":313.67,"sentiment":"neutral","sentiment_score":0.004136667897303899},{"text":"Okay.","start":317.17,"end":317.625,"sentiment":"neutral","sentiment_score":0.018425066024065018},{"text":"How much is a month?","start":321.225,"end":322.605,"sentiment":"neutral","sentiment_score":0.004094261303544044},{"text":"Roughly, yeah, for the everything.","start":328.985,"end":330.925,"sentiment":"neutral","sentiment_score":-0.001943863183259964}],"sentiment":"neutral","sentiment_score":0.0023875719557205836,"num_words":15,"start":312.13,"end":330.925},{"sentences":[{"text":"Yeah.","start":331.625,"end":331.785,"sentiment":"neutral","sentiment_score":0.0102290790528059},{"text":"But for that.","start":331.785,"end":332.825,"sentiment":"neutral","sentiment_score":-0.0004815921808282535},{"text":"Right?","start":332.825,"end":333.12,"sentiment":"neutral","sentiment_score":0.005435575731098652},{"text":"Yeah.","start":337.12,"end":337.44,"sentiment":"neutral","sentiment_score":0.0008552856743335724},{"text":"Yeah.","start":337.44,"end":337.6,"sentiment":"neutral","sentiment_score":0.0004391409456729889}],"sentiment":"neutral","sentiment_score":0.0022163292659180506,"num_words":7,"start":331.625,"end":337.6},{"sentences":[{"text":"That'd be quite advised mortgage 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expensive.","start":356.975,"end":358.035,"sentiment":"neutral","sentiment_score":-0.1953103244304657},{"text":"Nothing.","start":362.34,"end":362.84,"sentiment":"neutral","sentiment_score":-0.10470797121524812},{"text":"They're all good.","start":362.90002,"end":363.54,"sentiment":"neutral","sentiment_score":0.04833143297582865}],"sentiment":"neutral","sentiment_score":-0.006982264807447795,"num_words":12,"start":351.05502,"end":363.54},{"sentences":[{"text":"Yeah.","start":363.54,"end":363.7,"sentiment":"neutral","sentiment_score":0.027905287221074104},{"text":"$4.80.","start":363.7,"end":364.36002,"sentiment":"neutral","sentiment_score":0.015152017585933208},{"text":"Yep.","start":366.02002,"end":366.52002,"sentiment":"neutral","sentiment_score":0.04381858557462692},{"text":"We don't have, like, a flat amount that we save per week.","start":371.14,"end":374.385,"sentiment":"neutral","sentiment_score":-0.013473748307054242},{"text":"It's more like, I get my account to $10, and then 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everything through so I'd we don't get smashed, essentially.","start":577.46,"end":582.76,"sentiment":"neutral","sentiment_score":-0.1768386640719005}],"sentiment":"neutral","sentiment_score":-0.16544044900823524,"num_words":54,"start":562.79504,"end":582.76},{"sentences":[{"text":"Yeah.","start":592.51495,"end":592.75494,"sentiment":"neutral","sentiment_score":0.05846671760082245},{"text":"Definitely.","start":592.75494,"end":593.25494,"sentiment":"neutral","sentiment_score":0.1172710657119751},{"text":"Yep.","start":596.27496,"end":596.77496,"sentiment":"neutral","sentiment_score":0.06398916244506836},{"text":"Yeah.","start":599.04004,"end":599.36005,"sentiment":"neutral","sentiment_score":0.07595524191856384},{"text":"Definitely.","start":599.36005,"end":599.86005,"sentiment":"neutral","sentiment_score":0.12293267250061037}],"sentiment":"neutral","sentiment_score":0.08772297203540802,"num_words":5,"start":592.51495,"end":599.86005},{"sentences":[{"text":"There's that, and we're gonna look into investments as well eventually.","start":599.92004,"end":603.78,"sentiment":"neutral","sentiment_score":0.08559527315876701},{"text":"So Yep.","start":604.0,"end":620.595,"sentiment":"neutral","sentiment_score":0.18968400126323104},{"text":"Changed a little.","start":629.17,"end":630.21,"sentiment":"neutral","sentiment_score":-0.05120000491539637},{"text":"Yeah.","start":630.21,"end":630.71,"sentiment":"neutral","sentiment_score":-0.007533952593803406},{"text":"So I think hold on.","start":631.49,"end":634.55,"sentiment":"neutral","sentiment_score":-0.0423977579921484}],"sentiment":"neutral","sentiment_score":0.04308151136237112,"num_words":22,"start":599.92004,"end":634.55},{"sentences":[{"text":"I'll just check my bank.","start":635.97,"end":637.43,"sentiment":"neutral","sentiment_score":-0.03856624700129032},{"text":"Account.","start":643.725,"end":644.225,"sentiment":"neutral","sentiment_score":-0.03891949355602264},{"text":"The debt on the home loan is 80,000 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Jake.","start":777.105,"end":781.445,"sentiment":"neutral","sentiment_score":0.0019921844359487295}],"sentiment":"neutral","sentiment_score":-0.014647497645308894,"num_words":31,"start":726.975,"end":781.445},{"sentences":[{"text":"But we just got a will done that if we only in the event that we both pass away, we've worked out what we what our half of the state will go to who that'll go to.","start":782.06,"end":793.44,"sentiment":"neutral","sentiment_score":0.08199711571875457},{"text":"Yeah.","start":797.18506,"end":797.585,"sentiment":"neutral","sentiment_score":0.018268514424562458},{"text":"Like, I just sent through the paperwork on 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especially with family.","start":834.74,"end":840.74,"sentiment":"neutral","sentiment_score":-0.24081777445971966},{"text":"So we're just like, you know what?","start":840.74,"end":842.44,"sentiment":"neutral","sentiment_score":-0.07030371257237025},{"text":"Yeah.","start":842.89996,"end":843.22,"sentiment":"neutral","sentiment_score":-0.07998013496398926}],"sentiment":"neutral","sentiment_score":-0.03608006836346737,"num_words":82,"start":816.02997,"end":843.22},{"sentences":[{"text":"Family are the worst.","start":843.22,"end":844.18,"sentiment":"negative","sentiment_score":-0.36161258071660995},{"text":"You would think that they'd be their best, but no.","start":844.18,"end":846.495,"sentiment":"neutral","sentiment_score":-0.15731245949864386},{"text":"Yeah.","start":891.89996,"end":892.39996,"sentiment":"neutral","sentiment_score":-0.11999772489070892},{"text":"A red tape as 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what?","start":906.355,"end":907.555,"sentiment":"neutral","sentiment_score":0.008706030808389187}],"sentiment":"neutral","sentiment_score":0.020870700530293915,"num_words":18,"start":895.26,"end":907.555},{"sentences":[{"text":"Sorry.","start":907.555,"end":908.055,"sentiment":"neutral","sentiment_score":-0.012098437175154686},{"text":"16.","start":910.675,"end":911.175,"sentiment":"neutral","sentiment_score":0.008951675146818161},{"text":"It was probably 16.","start":912.515,"end":913.895,"sentiment":"neutral","sentiment_score":0.007396954344585538},{"text":"It was it's probably worth 15 now, but yes.","start":914.52,"end":917.5,"sentiment":"neutral","sentiment_score":0.024843844688600965},{"text":"You can you can have it for 60,000.","start":919.32,"end":921.66003,"sentiment":"neutral","sentiment_score":0.23116226866841316}],"sentiment":"neutral","sentiment_score":0.09127538290846607,"num_words":23,"start":907.555,"end":921.66003},{"sentences":[{"text":"We'll deliver it for you for that.","start":923.56,"end":925.34,"sentiment":"neutral","sentiment_score":0.2380387101854597},{"text":"Alright.","start":928.785,"end":929.105,"sentiment":"neutral","sentiment_score":0.07653975486755371},{"text":"Yeah.","start":929.105,"end":929.605,"sentiment":"neutral","sentiment_score":0.05047640949487686},{"text":"Oh, for myself.","start":935.26495,"end":936.165,"sentiment":"neutral","sentiment_score":-0.011399936862289906},{"text":"Oh god.","start":937.745,"end":938.14496,"sentiment":"neutral","sentiment_score":-0.05724094249308109}],"sentiment":"neutral","sentiment_score":0.11747181714911546,"num_words":14,"start":923.56,"end":938.14496},{"sentences":[{"text":"I haven't checked it for, like, a year.","start":938.14496,"end":939.9,"sentiment":"neutral","sentiment_score":-0.06286016060039401},{"text":"Probably, yeah, probably the same.","start":939.9,"end":942.32,"sentiment":"neutral","sentiment_score":-0.0011572223156690598},{"text":"No.","start":951.26,"end":951.58,"sentiment":"neutral","sentiment_score":-0.031070275232195858},{"text":"It's about 8,000 US.","start":951.58,"end":954.4,"sentiment":"neutral","sentiment_score":-0.007339090690948069},{"text":"Yeah.","start":954.86005,"end":955.36005,"sentiment":"neutral","sentiment_score":0.0073660071939229965}],"sentiment":"neutral","sentiment_score":-0.029564633009661185,"num_words":19,"start":938.14496,"end":955.36005},{"sentences":[{"text":"That's USD as well.","start":956.035,"end":956.775,"sentiment":"neutral","sentiment_score":0.009746215073391795},{"text":"So that's USD as well, not AUD.","start":959.875,"end":963.735,"sentiment":"neutral","sentiment_score":-0.016983174851962497},{"text":"Hey.","start":965.235,"end":965.475,"sentiment":"neutral","sentiment_score":-0.012128284201025965},{"text":"I'm sorry.","start":965.475,"end":965.795,"sentiment":"neutral","sentiment_score":-0.05259660817682743},{"text":"I'm just logging on, make sure that's yeah.","start":965.795,"end":967.395,"sentiment":"neutral","sentiment_score":-0.0225067138671875}],"sentiment":"neutral","sentiment_score":-0.017148753416470507,"num_words":22,"start":956.035,"end":967.395},{"sentences":[{"text":"8,300, whatever that works out.","start":967.395,"end":970.38,"sentiment":"neutral","sentiment_score":0.024515714123845102},{"text":"The whole the whole, like, $10.11 ish, something like that.","start":970.38,"end":979.52,"sentiment":"neutral","sentiment_score":0.020596314361318944},{"text":"No.","start":981.1,"end":981.18,"sentiment":"neutral","sentiment_score":-0.05147260427474976},{"text":"There's no dent on it 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anymore.","start":997.72003,"end":999.24,"sentiment":"neutral","sentiment_score":-0.067032091319561}],"sentiment":"neutral","sentiment_score":-0.032220764365047214,"num_words":20,"start":986.665,"end":999.24},{"sentences":[{"text":"Hang on.","start":999.24,"end":999.8,"sentiment":"neutral","sentiment_score":-0.025826618075370785},{"text":"Let's just pull that up.","start":999.8,"end":1001.0,"sentiment":"neutral","sentiment_score":-0.001099609024822712},{"text":"5.","start":1001.16,"end":1001.66,"sentiment":"neutral","sentiment_score":0.008973309770226479},{"text":"There's 55,000 in it now.","start":1001.72003,"end":1003.82,"sentiment":"neutral","sentiment_score":0.047273462265729906},{"text":"Yeah.","start":1006.12,"end":1006.62,"sentiment":"neutral","sentiment_score":0.188423752784729}],"sentiment":"neutral","sentiment_score":0.026900935186339275,"num_words":14,"start":999.24,"end":1006.62},{"sentences":[{"text":"Yeah.","start":1007.64,"end":1008.14,"sentiment":"neutral","sentiment_score":0.018963970243930817},{"text":"It's just sad to watching it go down every month, not up.","start":1009.105,"end":1012.005,"sentiment":"neutral","sentiment_score":-0.29780057817697525},{"text":"It's finally bounced back.","start":1012.865,"end":1014.32495,"sentiment":"neutral","sentiment_score":-0.1936591910198331},{"text":"I've got Jet Ski.","start":1021.82495,"end":1022.96497,"sentiment":"neutral","sentiment_score":-0.011449259123764932},{"text":"About $6 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standstill for quite a while, but we're getting back to sorting our lives out now.","start":1069.0951,"end":1076.615,"sentiment":"neutral","sentiment_score":-0.11391415327787399},{"text":"So, yeah, hence, wills and insurances and all this shit's finally getting done.","start":1076.615,"end":1080.2351,"sentiment":"neutral","sentiment_score":-0.1436263958995159},{"text":"Yep.","start":1097.225,"end":1097.725,"sentiment":"neutral","sentiment_score":0.031802210956811905},{"text":"Yep.","start":1097.945,"end":1098.445,"sentiment":"neutral","sentiment_score":0.07466287910938263},{"text":"No.","start":1103.145,"end":1103.645,"sentiment":"neutral","sentiment_score":-0.05288047343492508}],"sentiment":"neutral","sentiment_score":-0.1136929844392509,"num_words":41,"start":1069.0951,"end":1103.645},{"sentences":[{"text":"Yep.","start":1107.065,"end":1107.54,"sentiment":"neutral","sentiment_score":0.007507288362830877},{"text":"We both 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died.","start":1546.58,"end":1547.5599,"sentiment":"negative","sentiment_score":-0.4745068351427714},{"text":"Machado.","start":1567.315,"end":1567.815,"sentiment":"negative","sentiment_score":-0.5361588597297668},{"text":"Machado.","start":1570.995,"end":1571.495,"sentiment":"neutral","sentiment_score":-0.1420835107564926},{"text":"Yep.","start":1574.0099,"end":1574.5099,"sentiment":"neutral","sentiment_score":0.027363017201423645}],"sentiment":"negative","sentiment_score":-0.3589413572441448,"num_words":11,"start":1545.46,"end":1574.5099},{"sentences":[{"text":"No.","start":1579.5299,"end":1580.0299,"sentiment":"neutral","sentiment_score":-0.0926201120018959},{"text":"Mhmm.","start":1587.85,"end":1588.275,"sentiment":"neutral","sentiment_score":-0.03744226694107056},{"text":"Yeah.","start":1607.25,"end":1607.5701,"sentiment":"neutral","sentiment_score":-0.057398661971092224},{"text":"I had my sister passed away from 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okay.","start":1633.64,"end":1634.38,"sentiment":"negative","sentiment_score":-0.40962129831314087},{"text":"Yep.","start":1639.3201,"end":1639.8201,"sentiment":"neutral","sentiment_score":0.06918717175722122},{"text":"Yep.","start":1646.2151,"end":1646.7151,"sentiment":"neutral","sentiment_score":0.04705454036593437}],"sentiment":"neutral","sentiment_score":-0.13312489281017933,"num_words":62,"start":1612.4501,"end":1646.7151},{"sentences":[{"text":"Yeah.","start":1660.79,"end":1661.03,"sentiment":"neutral","sentiment_score":0.15718096494674683},{"text":"That's fine.","start":1661.03,"end":1661.77,"sentiment":"neutral","sentiment_score":0.2845592200756073},{"text":"Yep.","start":1675.0449,"end":1675.5449,"sentiment":"neutral","sentiment_score":0.09060179442167282},{"text":"Yeah.","start":1686.56,"end":1686.8,"sentiment":"neutral","sentiment_score":0.1089373528957367},{"text":"That's fine.","start":1686.8,"end":1687.54,"sentiment":"neutral","sentiment_score":0.1963978260755539}],"sentiment":"neutral","sentiment_score":0.1883763149380684,"num_words":7,"start":1660.79,"end":1687.54},{"sentences":[{"text":"Yep.","start":1698.5751,"end":1699.0751,"sentiment":"neutral","sentiment_score":0.06355701386928558},{"text":"Yep.","start":1725.225,"end":1725.725,"sentiment":"neutral","sentiment_score":0.05247123539447784},{"text":"I think if if, yeah, if one of us were to pass, 800 to 1,000,000 is plenty.","start":1735.93,"end":1742.83,"sentiment":"neutral","sentiment_score":0.02295936260591535},{"text":"And if I have children, for example, that would keep me out of trouble quite easily, I think, for some time.","start":1743.535,"end":1752.575,"sentiment":"neutral","sentiment_score":0.01524044404782},{"text":"So I don't see a reason to up it.","start":1752.575,"end":1755.875,"sentiment":"neutral","sentiment_score":-0.13883709907531738}],"sentiment":"neutral","sentiment_score":-0.008635656185904329,"num_words":49,"start":1698.5751,"end":1755.875},{"sentences":[{"text":"Yeah.","start":1771.63,"end":1772.055,"sentiment":"neutral","sentiment_score":0.07216084003448486},{"text":"I I'm going through it now, but can I can't seem to go back?","start":1772.055,"end":1777.515,"sentiment":"neutral","sentiment_score":-0.10674828389060817},{"text":"Okay.","start":1786.6951,"end":1787.1951,"sentiment":"neutral","sentiment_score":-0.12800639867782593},{"text":"So which paid you?","start":1787.7101,"end":1789.15,"sentiment":"neutral","sentiment_score":-0.1977698989212513},{"text":"I'm sorry.","start":1789.15,"end":1789.89,"sentiment":"neutral","sentiment_score":-0.05941208451986313}],"sentiment":"neutral","sentiment_score":-0.11182842262893576,"num_words":22,"start":1771.63,"end":1789.89},{"sentences":[{"text":"The performance?","start":1792.1101,"end":1792.93,"sentiment":"neutral","sentiment_score":-0.008411032147705555},{"text":"Yep.","start":1793.7101,"end":1794.2101,"sentiment":"neutral","sentiment_score":0.017477961257100105},{"text":"Yep.","start":1795.2301,"end":1795.7301,"sentiment":"neutral","sentiment_score":0.05564730614423752},{"text":"Yep.","start":1799.0701,"end":1799.325,"sentiment":"neutral","sentiment_score":0.04421382397413254},{"text":"Sorry.","start":1857.3151,"end":1857.555,"sentiment":"neutral","sentiment_score":-0.28034722805023193}],"sentiment":"neutral","sentiment_score":-0.02997170016169548,"num_words":6,"start":1792.1101,"end":1857.555},{"sentences":[{"text":"Can you speak up?","start":1857.555,"end":1858.355,"sentiment":"neutral","sentiment_score":-0.09538822248578072},{"text":"What what else is trying to do?","start":1858.355,"end":1859.875,"sentiment":"neutral","sentiment_score":-0.08529160703931536},{"text":"Yeah.","start":1859.875,"end":1860.035,"sentiment":"neutral","sentiment_score":-0.0947488248348236},{"text":"You're kinda breaking up or something.","start":1860.035,"end":1861.955,"sentiment":"neutral","sentiment_score":-0.22212845335404077},{"text":"We can't speak up here very well.","start":1861.955,"end":1863.715,"sentiment":"neutral","sentiment_score":-0.045655302703380585}],"sentiment":"neutral","sentiment_score":-0.10902803212404251,"num_words":25,"start":1857.555,"end":1863.715},{"sentences":[{"text":"Sorry.","start":1863.715,"end":1864.215,"sentiment":"neutral","sentiment_score":-0.04956003278493881},{"text":"That's right.","start":1871.1901,"end":1872.4901,"sentiment":"neutral","sentiment_score":0.03971041925251484},{"text":"Yeah.","start":1945.86,"end":1946.36,"sentiment":"negative","sentiment_score":-0.4007158279418946},{"text":"Yep.","start":1977.69,"end":1978.19,"sentiment":"neutral","sentiment_score":0.10007230937480928},{"text":"Yep.","start":1981.13,"end":1981.63,"sentiment":"neutral","sentiment_score":0.05579212307929993}],"sentiment":"neutral","sentiment_score":-0.035831764961282424,"num_words":6,"start":1863.715,"end":1981.63},{"sentences":[{"text":"No.","start":1992.765,"end":1992.925,"sentiment":"neutral","sentiment_score":-0.14390000700950625},{"text":"Not really.","start":1992.925,"end":1993.405,"sentiment":"neutral","sentiment_score":-0.1506897732615471},{"text":"Other than Ben along socks.","start":1993.405,"end":1995.3451,"sentiment":"neutral","sentiment_score":-0.12353334724903106},{"text":"So I'm just looking at the passenger charge around else, and, yeah, he kind of fucking jumped the ball there.","start":1997.86,"end":2002.6,"sentiment":"neutral","sentiment_score":-0.23780338671058415},{"text":"At twenty '4, '21, seven '13, '31, like, they all did pretty well.","start":2003.22,"end":2007.48,"sentiment":"neutral","sentiment_score":0.10486227431549476}],"sentiment":"neutral","sentiment_score":-0.1086781575094636,"num_words":41,"start":1992.765,"end":2007.48},{"sentences":[{"text":"Yeah.","start":2044.865,"end":2045.31,"sentiment":"neutral","sentiment_score":0.01932111755013466},{"text":"Yep.","start":2091.255,"end":2091.755,"sentiment":"neutral","sentiment_score":0.05270908400416374},{"text":"Mhmm.","start":2124.685,"end":2125.11,"sentiment":"neutral","sentiment_score":-0.08750926703214645},{"text":"Yeah.","start":2163.955,"end":2164.455,"sentiment":"neutral","sentiment_score":0.030165258795022964},{"text":"Yeah.","start":2170.2751,"end":2170.5151,"sentiment":"neutral","sentiment_score":0.16227981448173523}],"sentiment":"neutral","sentiment_score":0.035393201559782025,"num_words":5,"start":2044.865,"end":2170.5151},{"sentences":[{"text":"Yeah.","start":2170.5151,"end":2170.835,"sentiment":"neutral","sentiment_score":0.18740728497505188},{"text":"Go for it.","start":2170.835,"end":2171.815,"sentiment":"neutral","sentiment_score":0.25836949050426483},{"text":"Yep.","start":2200.85,"end":2201.35,"sentiment":"neutral","sentiment_score":0.06742364913225174},{"text":"Yeah.","start":2215.405,"end":2215.645,"sentiment":"neutral","sentiment_score":-0.14719176292419434},{"text":"You guys are killing it.","start":2215.645,"end":2216.945,"sentiment":"negative","sentiment_score":-0.442962235212326}],"sentiment":"neutral","sentiment_score":-0.12109668485142967,"num_words":11,"start":2170.5151,"end":2216.945},{"sentences":[{"text":"It's obviously, like, with the economy at the moment, like, we've just seen a massive up, but, obviously, we're expecting some pretty shitty times moving forward.","start":2217.885,"end":2231.26,"sentiment":"neutral","sentiment_score":-0.06500526381513247},{"text":"And I'm trying to, like if you can look at things that can perform in a recession, because that's where we're going.","start":2232.2,"end":2241.055,"sentiment":"neutral","sentiment_score":0.020672496831552548},{"text":"Things that you know, common sense things that the world is sort of moving towards that can try and avoid this big bust.","start":2242.075,"end":2252.1748,"sentiment":"neutral","sentiment_score":-0.053168705300144524},{"text":"So, like, I got gold there, I see, but, you know, things like, you know, AI investment sort of thing, resources, like, copper's expected to go up.","start":2255.29,"end":2271.485,"sentiment":"neutral","sentiment_score":-0.009253732308193489},{"text":"I don't know how that would work.","start":2271.485,"end":2273.0251,"sentiment":"neutral","sentiment_score":-0.12312525830098561}],"sentiment":"neutral","sentiment_score":-0.03399952124981653,"num_words":105,"start":2217.885,"end":2273.0251},{"sentences":[{"text":"Just, yeah, things that would not tank out or avoid tanking out during a massive recession because that's where we're headed.","start":2274.365,"end":2284.59,"sentiment":"neutral","sentiment_score":-0.185129458882979},{"text":"Yeah.","start":2298.5752,"end":2299.0752,"sentiment":"neutral","sentiment_score":0.21883569657802585},{"text":"Yeah.","start":2316.26,"end":2316.76,"sentiment":"neutral","sentiment_score":0.06165962666273117},{"text":"No.","start":2349.825,"end":2350.325,"sentiment":"neutral","sentiment_score":-0.10018715262413024},{"text":"Yep.","start":2358.36,"end":2358.86,"sentiment":"neutral","sentiment_score":-0.012074003927409647}],"sentiment":"neutral","sentiment_score":-0.14877937879413367,"num_words":25,"start":2274.365,"end":2358.86},{"sentences":[{"text":"Yep.","start":2369.9602,"end":2370.4602,"sentiment":"neutral","sentiment_score":-0.011307381093502045},{"text":"No.","start":2370.52,"end":2370.6802,"sentiment":"neutral","sentiment_score":-0.18134835362434387},{"text":"I probably decrease my exposure to my risk given the the assumed volatility coming up.","start":2370.6802,"end":2378.195,"sentiment":"neutral","sentiment_score":-0.13518068715929984},{"text":"Mhmm.","start":2397.71,"end":2398.125,"sentiment":"neutral","sentiment_score":0.12513118982315063},{"text":"Yes.","start":2414.5398,"end":2415.0398,"sentiment":"neutral","sentiment_score":0.32339489459991455}],"sentiment":"neutral","sentiment_score":-0.09325473461496203,"num_words":19,"start":2369.9602,"end":2415.0398},{"sentences":[{"text":"Yep.","start":2420.94,"end":2421.44,"sentiment":"neutral","sentiment_score":-0.025257615372538567},{"text":"Yeah.","start":2428.555,"end":2429.055,"sentiment":"neutral","sentiment_score":-0.07765019685029984},{"text":"Yeah.","start":2443.69,"end":2444.19,"sentiment":"neutral","sentiment_score":0.049305401742458344},{"text":"It's tank.","start":2470.1199,"end":2470.68,"sentiment":"negative","sentiment_score":-0.4298681914806366},{"text":"Yeah.","start":2470.68,"end":2471.16,"sentiment":"neutral","sentiment_score":-0.18121007084846497}],"sentiment":"neutral","sentiment_score":-0.1824248107150197,"num_words":6,"start":2420.94,"end":2471.16},{"sentences":[{"text":"The Australian listed stuff hit the worst.","start":2471.16,"end":2474.655,"sentiment":"negative","sentiment_score":-0.4281143716403416},{"text":"It's a really good time to have just bought a house.","start":2474.9548,"end":2476.7148,"sentiment":"neutral","sentiment_score":0.07740672339092601},{"text":"And, like, basically, anything Australian, but international seemed to fare a little bit better.","start":2476.7148,"end":2481.115,"sentiment":"neutral","sentiment_score":-0.13005944740559375},{"text":"Like, the dip wasn't as aggressive.","start":2481.115,"end":2483.375,"sentiment":"neutral","sentiment_score":-0.14663223177194595},{"text":"Mhmm.","start":2499.24,"end":2499.74,"sentiment":"neutral","sentiment_score":0.06296880543231964}],"sentiment":"neutral","sentiment_score":-0.1226406023861506,"num_words":39,"start":2471.16,"end":2499.74},{"sentences":[{"text":"Yeah.","start":2544.4648,"end":2544.865,"sentiment":"neutral","sentiment_score":0.031414300203323364},{"text":"Yeah.","start":2544.865,"end":2545.365,"sentiment":"neutral","sentiment_score":0.08787336945533752},{"text":"That's true.","start":2569.185,"end":2570.3,"sentiment":"neutral","sentiment_score":0.04386012814939022},{"text":"Sorry.","start":2576.6802,"end":2577.1802,"sentiment":"neutral","sentiment_score":-0.07103442400693893},{"text":"My thoughts really haven't changed since the previous one.","start":2610.925,"end":2613.885,"sentiment":"neutral","sentiment_score":-0.15864156600501803}],"sentiment":"neutral","sentiment_score":-0.09227147086390428,"num_words":14,"start":2544.4648,"end":2613.885},{"sentences":[{"text":"Like, you guys so you've done quite well with what I've got there.","start":2613.885,"end":2618.365,"sentiment":"neutral","sentiment_score":-0.025391540490090847},{"text":"And like you said, I do have I can't access it for twenty three years.","start":2618.365,"end":2622.065,"sentiment":"neutral","sentiment_score":-0.19224504133065543},{"text":"So I suppose if there is a downturn like, I I lived through the two thousand and eight financial crisis.","start":2623.47,"end":2629.95,"sentiment":"neutral","sentiment_score":-0.1616437252610922},{"text":"My house didn't go up in value for ten years.","start":2629.95,"end":2632.11,"sentiment":"neutral","sentiment_score":-0.10095848850905895},{"text":"Like, I understand.","start":2632.11,"end":2633.01,"sentiment":"neutral","sentiment_score":-0.04738799358407656}],"sentiment":"neutral","sentiment_score":-0.12456375438353566,"num_words":61,"start":2613.885,"end":2633.01},{"sentences":[{"text":"It was terrible.","start":2633.55,"end":2634.37,"sentiment":"neutral","sentiment_score":-0.1551035394271215},{"text":"Buy a house.","start":2634.645,"end":2636.085,"sentiment":"neutral","sentiment_score":-0.08531008660793304},{"text":"But you ride it out.","start":2636.085,"end":2637.385,"sentiment":"neutral","sentiment_score":-0.07717051059007644},{"text":"Mhmm.","start":2639.205,"end":2639.285,"sentiment":"neutral","sentiment_score":0.016621682792901993},{"text":"Buy a house during COVID.","start":2639.285,"end":2640.745,"sentiment":"neutral","sentiment_score":0.013904471881687641}],"sentiment":"neutral","sentiment_score":-0.06005584640318856,"num_words":17,"start":2633.55,"end":2640.745},{"sentences":[{"text":"Well Let's get another pandemic.","start":2640.805,"end":2644.5051,"sentiment":"neutral","sentiment_score":0.017173884063959123},{"text":"I think so.","start":2654.06,"end":2654.7,"sentiment":"neutral","sentiment_score":0.17534851531187692},{"text":"Yeah.","start":2654.7,"end":2655.02,"sentiment":"neutral","sentiment_score":0.1254766583442688},{"text":"Yeah.","start":2655.02,"end":2655.26,"sentiment":"neutral","sentiment_score":0.11720283329486848},{"text":"At this stage.","start":2655.26,"end":2656.08,"sentiment":"neutral","sentiment_score":-0.11034821967283885}],"sentiment":"neutral","sentiment_score":0.04027306145200363,"num_words":13,"start":2640.805,"end":2656.08},{"sentences":[{"text":"I'm not I'm not overly like, what Jake's high risk is because, you know, I am older too.","start":2656.14,"end":2661.02,"sentiment":"negative","sentiment_score":-0.33937736683421665},{"text":"I don't wanna risk too much.","start":2661.02,"end":2663.2349,"sentiment":"negative","sentiment_score":-0.3502829670906067},{"text":"At least I have 10% in, you know, more stable sort of investment.","start":2663.2349,"end":2668.9348,"sentiment":"neutral","sentiment_score":-0.046066890542323775},{"text":"So, you know, as long as I Jake wants to probably drop it a bit to my level.","start":2670.515,"end":2676.135,"sentiment":"neutral","sentiment_score":-0.08411298557702038},{"text":"He just said yeah.","start":2676.9502,"end":2678.87,"sentiment":"neutral","sentiment_score":0.004753414075821638}],"sentiment":"neutral","sentiment_score":-0.1746505096049632,"num_words":59,"start":2656.14,"end":2678.87},{"sentences":[{"text":"Yeah.","start":2678.87,"end":2679.03,"sentiment":"neutral","sentiment_score":0.07175939530134201},{"text":"I think so.","start":2679.03,"end":2679.51,"sentiment":"neutral","sentiment_score":0.09369800984859467},{"text":"As long as that makes sense to you.","start":2679.51,"end":2681.35,"sentiment":"neutral","sentiment_score":0.1674504028633237},{"text":"I mean, you tell me.","start":2681.35,"end":2682.55,"sentiment":"neutral","sentiment_score":0.02595813013613224},{"text":"But, yeah, I just sort of figure if there there is likely a recessive period coming on.","start":2682.55,"end":2687.9902,"sentiment":"neutral","sentiment_score":-0.05971959835904486}],"sentiment":"neutral","sentiment_score":0.02373570959795924,"num_words":34,"start":2678.87,"end":2687.9902},{"sentences":[{"text":"I mean, I'll still be pretty risky, but I might drop down to, like, ninety ten, not a 100.","start":2687.9902,"end":2693.395,"sentiment":"neutral","sentiment_score":-0.11115798118867372},{"text":"Yep.","start":2734.8901,"end":2735.3901,"sentiment":"neutral","sentiment_score":0.0017585798632353544},{"text":"Just hang that with Alba Tate.","start":2741.29,"end":2742.75,"sentiment":"neutral","sentiment_score":-0.07634859345853329},{"text":"Super.","start":2743.53,"end":2744.03,"sentiment":"neutral","sentiment_score":0.07982213795185089},{"text":"I don't like that national asset that we use.","start":2746.615,"end":2748.855,"sentiment":"neutral","sentiment_score":-0.32504230903254616}],"sentiment":"neutral","sentiment_score":-0.15038592407816193,"num_words":36,"start":2687.9902,"end":2748.855},{"sentences":[{"text":"Like, woah.","start":2748.855,"end":2749.255,"sentiment":"neutral","sentiment_score":-0.2239590883255005},{"text":"Woah.","start":2749.255,"end":2749.575,"sentiment":"neutral","sentiment_score":-0.16290408372879028},{"text":"Woah.","start":2749.575,"end":2749.935,"sentiment":"neutral","sentiment_score":-0.1325613558292389},{"text":"Woah.","start":2749.935,"end":2750.295,"sentiment":"neutral","sentiment_score":-0.13220074772834778},{"text":"Woah.","start":2750.295,"end":2750.375,"sentiment":"neutral","sentiment_score":-0.14124695956707}],"sentiment":"neutral","sentiment_score":-0.16947188725074133,"num_words":6,"start":2748.855,"end":2750.375},{"sentences":[{"text":"Woah.","start":2750.375,"end":2750.875,"sentiment":"neutral","sentiment_score":-0.1832117736339569},{"text":"It's my asset.","start":2751.1748,"end":2752.2148,"sentiment":"neutral","sentiment_score":-0.20576136310895285},{"text":"I don't know.","start":2752.2148,"end":2752.855,"sentiment":"neutral","sentiment_score":-0.331217219432195},{"text":"Get the fuck away from me.","start":2752.855,"end":2754.315,"sentiment":"negative","sentiment_score":-0.5800210734208425},{"text":"But, yeah, I wouldn't say it's more it's not so much my attitude to risk.","start":2760.97,"end":2763.77,"sentiment":"neutral","sentiment_score":-0.1666773055990537}],"sentiment":"neutral","sentiment_score":-0.277658340920295,"num_words":28,"start":2750.375,"end":2763.77},{"sentences":[{"text":"Like, realistically, I have thirty years.","start":2763.77,"end":2765.13,"sentiment":"neutral","sentiment_score":-0.07912143133580685},{"text":"If it dropped fucking twenty, thirty, 40% one year, it's not like I'd shit in the bed about whatever.","start":2765.13,"end":2769.5498,"sentiment":"negative","sentiment_score":-0.6438640167838648},{"text":"But I just think it's probably more likely than not that the market will go down.","start":2769.8499,"end":2774.295,"sentiment":"negative","sentiment_score":-0.41684448905289173},{"text":"And then I think in the long term, I'll probably end up making more money being slightly more defensive now.","start":2774.295,"end":2779.815,"sentiment":"neutral","sentiment_score":-0.27552695870399474},{"text":"That makes sense.","start":2779.815,"end":2780.795,"sentiment":"neutral","sentiment_score":0.022431378563245136}],"sentiment":"negative","sentiment_score":-0.38782659015851095,"num_words":64,"start":2763.77,"end":2780.795},{"sentences":[{"text":"Yeah.","start":2795.2698,"end":2795.67,"sentiment":"neutral","sentiment_score":-0.01652723178267479},{"text":"Nothing.","start":2795.67,"end":2796.15,"sentiment":"neutral","sentiment_score":-0.08140137791633606},{"text":"I don't know.","start":2796.15,"end":2797.0498,"sentiment":"neutral","sentiment_score":-0.14824455976486206},{"text":"Super to me is, like, that would be great if that pans out when I'm 60 and I've got a bunch of money, but it's by no means what I'm, like, relying on.","start":2797.485,"end":2806.3052,"sentiment":"neutral","sentiment_score":-0.10224591872908852},{"text":"Like, I'm 30.","start":2806.3652,"end":2807.165,"sentiment":"neutral","sentiment_score":-0.017374626671274502}],"sentiment":"neutral","sentiment_score":-0.09680247529432541,"num_words":41,"start":2795.2698,"end":2807.165},{"sentences":[{"text":"I'm a I'll probably pay this house off in the next year or two.","start":2807.165,"end":2810.38,"sentiment":"neutral","sentiment_score":-0.12107063617025103},{"text":"I got that investment property.","start":2810.38,"end":2811.74,"sentiment":"neutral","sentiment_score":-0.1546857014298439},{"text":"I kinda see that as my actual defense of, like because the market shit itself, we had a massive downturn.","start":2811.74,"end":2817.18,"sentiment":"negative","sentiment_score":-0.3676375918090343},{"text":"We both lost our jobs, not that we'd wanted, and we could sell our investment property, pay this one off clear, and not work for fucking two or three years, and it wouldn't really affect our lives.","start":2817.18,"end":2826.585,"sentiment":"negative","sentiment_score":-0.36123529600130544},{"text":"That to me is my thought of, like, actual defense.","start":2826.585,"end":2828.845,"sentiment":"neutral","sentiment_score":-0.08664252758026122}],"sentiment":"neutral","sentiment_score":-0.2796895404367946,"num_words":86,"start":2807.165,"end":2828.845},{"sentences":[{"text":"Yeah.","start":2830.185,"end":2830.585,"sentiment":"neutral","sentiment_score":0.08743377029895782},{"text":"Super is like yeah.","start":2830.585,"end":2831.705,"sentiment":"neutral","sentiment_score":-0.04826393071562052},{"text":"In thirty years, wouldn't it be nice if I had an extra fucking million or $2?","start":2831.705,"end":2835.065,"sentiment":"neutral","sentiment_score":-0.2608711291104555},{"text":"That'd be awesome.","start":2835.065,"end":2835.865,"sentiment":"neutral","sentiment_score":0.0016717674831549327},{"text":"But I'm not actually conducting it either way, if That makes sense?","start":2835.865,"end":2839.39,"sentiment":"neutral","sentiment_score":-0.10236418650796016}],"sentiment":"neutral","sentiment_score":-0.1528587487215797,"num_words":36,"start":2830.185,"end":2839.39},{"sentences":[{"text":"Like, I'm assuming I'm just not getting anything.","start":2839.39,"end":2841.07,"sentiment":"neutral","sentiment_score":-0.18419136386364698},{"text":"That that's my assumption, and I might as well No.","start":2841.07,"end":2846.51,"sentiment":"neutral","sentiment_score":-0.23454644456505774},{"text":"Like, you know, like, I'm preparing to have you know, ideally, if I sold this house, I got a million dollars.","start":2846.51,"end":2852.27,"sentiment":"neutral","sentiment_score":-0.001789109559640998},{"text":"I can move in the other one when I'm 60, and I don't need my sofa.","start":2852.27,"end":2855.675,"sentiment":"neutral","sentiment_score":0.005485326866619289},{"text":"But Yep.","start":2855.675,"end":2873.15,"sentiment":"neutral","sentiment_score":0.0021321531385183334}],"sentiment":"neutral","sentiment_score":-0.06604451089770648,"num_words":57,"start":2839.39,"end":2873.15},{"sentences":[{"text":"No.","start":2884.185,"end":2884.685,"sentiment":"neutral","sentiment_score":-0.06374410539865494},{"text":"Yep.","start":2890.0251,"end":2890.26,"sentiment":"neutral","sentiment_score":0.019317347556352615},{"text":"Yep.","start":2904.18,"end":2904.68,"sentiment":"neutral","sentiment_score":0.09144237637519836},{"text":"The lovely photo of Connor too.","start":2934.395,"end":2936.075,"sentiment":"positive","sentiment_score":0.5571979085604349},{"text":"That's definitely my second favorite part.","start":2936.075,"end":2938.155,"sentiment":"positive","sentiment_score":0.7260064780712128}],"sentiment":"positive","sentiment_score":0.5164161292215188,"num_words":15,"start":2884.185,"end":2938.155},{"sentences":[{"text":"That's why, mate.","start":2938.155,"end":2938.7148,"sentiment":"positive","sentiment_score":0.3587775031725566},{"text":"That's why we go here.","start":2938.7148,"end":2939.935,"sentiment":"neutral","sentiment_score":0.22852421402931214},{"text":"Hello?","start":2959.46,"end":2959.96,"sentiment":"neutral","sentiment_score":0.06308797746896744},{"text":"Yep.","start":2966.6548,"end":2967.1548,"sentiment":"neutral","sentiment_score":0.0859362930059433},{"text":"Yep.","start":2977.4548,"end":2977.9348,"sentiment":"neutral","sentiment_score":-0.019795648753643036}],"sentiment":"neutral","sentiment_score":0.21347110921686346,"num_words":11,"start":2938.155,"end":2977.9348},{"sentences":[{"text":"I have nothing to find.","start":2977.9348,"end":2979.03,"sentiment":"negative","sentiment_score":-0.3730796217918396},{"text":"Yep.","start":2979.51,"end":2980.01,"sentiment":"neutral","sentiment_score":-0.03678051382303238},{"text":"Yep.","start":2992.3901,"end":2992.8901,"sentiment":"neutral","sentiment_score":-0.18253999948501587},{"text":"No.","start":2993.59,"end":2993.83,"sentiment":"neutral","sentiment_score":-0.08031478524208069},{"text":"You're alright.","start":2993.83,"end":2994.435,"sentiment":"neutral","sentiment_score":0.012361477129161356}],"sentiment":"neutral","sentiment_score":-0.21403104532510042,"num_words":10,"start":2977.9348,"end":2994.435},{"sentences":[{"text":"Yep.","start":3003.475,"end":3003.975,"sentiment":"neutral","sentiment_score":0.05327509343624115},{"text":"Yep.","start":3007.475,"end":3007.77,"sentiment":"neutral","sentiment_score":0.07012917846441269},{"text":"Yep.","start":3015.45,"end":3015.95,"sentiment":"neutral","sentiment_score":0.05267859622836113},{"text":"Yep.","start":3059.48,"end":3059.98,"sentiment":"neutral","sentiment_score":0.04222923517227173},{"text":"Yep.","start":3062.2,"end":3062.7,"sentiment":"neutral","sentiment_score":0.08725279569625854}],"sentiment":"neutral","sentiment_score":0.06111297979950905,"num_words":5,"start":3003.475,"end":3062.7},{"sentences":[{"text":"Okay.","start":3063.56,"end":3063.88,"sentiment":"neutral","sentiment_score":0.12116676568984984},{"text":"So my current method is just inboxing Connor and trying to get this sorted out for me and get someone to call me.","start":3063.88,"end":3069.42,"sentiment":"neutral","sentiment_score":0.1871996521949768},{"text":"Yep.","start":3081.735,"end":3082.23,"sentiment":"neutral","sentiment_score":-0.04103996977210045},{"text":"No.","start":3127.075,"end":3127.575,"sentiment":"neutral","sentiment_score":-0.0840146392583847},{"text":"That's all good.","start":3128.2751,"end":3129.575,"sentiment":"neutral","sentiment_score":0.28358951210975647}],"sentiment":"neutral","sentiment_score":0.1776714721887276,"num_words":29,"start":3063.56,"end":3129.575},{"sentences":[{"text":"Yep.","start":3152.275,"end":3152.775,"sentiment":"neutral","sentiment_score":0.163596972823143},{"text":"Yeah.","start":3162.6501,"end":3162.81,"sentiment":"neutral","sentiment_score":0.0861336812376976},{"text":"Renos is done, and we paid off, I don't know, what was it, about $40 off our main mortgage since last we spoke.","start":3162.81,"end":3169.37,"sentiment":"neutral","sentiment_score":0.07171409585229728},{"text":"So yeah.","start":3169.37,"end":3170.51,"sentiment":"neutral","sentiment_score":0.17577189952135086},{"text":"Yeah.","start":3190.47,"end":3190.97,"sentiment":"neutral","sentiment_score":0.07562610507011414}],"sentiment":"neutral","sentiment_score":0.08308302724201765,"num_words":28,"start":3152.275,"end":3190.97},{"sentences":[{"text":"Yep.","start":3191.19,"end":3191.51,"sentiment":"neutral","sentiment_score":0.06074512004852295},{"text":"Yep.","start":3191.51,"end":3192.01,"sentiment":"neutral","sentiment_score":0.08712702244520187},{"text":"That's a very creative word.","start":3192.39,"end":3193.83,"sentiment":"neutral","sentiment_score":0.15930963456630706},{"text":"I can buy it kinda originally.","start":3193.83,"end":3195.3699,"sentiment":"neutral","sentiment_score":0.0941730427245299},{"text":"1,000,000,000 dollars.","start":3222.5,"end":3223.72,"sentiment":"neutral","sentiment_score":0.06973851472139359}],"sentiment":"neutral","sentiment_score":0.10992904007434845,"num_words":15,"start":3191.19,"end":3223.72},{"sentences":[{"text":"Oh, no.","start":3229.575,"end":3233.335,"sentiment":"neutral","sentiment_score":0.002422245219349862},{"text":"Probably, like, a $100 a year.","start":3233.335,"end":3235.435,"sentiment":"neutral","sentiment_score":0.05411632684990764},{"text":"So my intention would be that, yeah, that we would sell this place that we live out, our big property, and move into our investment property that's smaller and by the water.","start":3235.575,"end":3244.555,"sentiment":"neutral","sentiment_score":0.027597706532105803},{"text":"And between that and super, I'd sort of hope to have, you know, 1 point something million dollars invested and probably just live on the interest, which is assuming, like, a safe return of anywhere between four and eight taken out 80 to $100,000 a year should be more than comfortable just for like today's money?","start":3245.3198,"end":3263.165,"sentiment":"neutral","sentiment_score":0.11585534503683448},{"text":"Yeah.","start":3263.2249,"end":3263.465,"sentiment":"neutral","sentiment_score":0.008937153965234756}],"sentiment":"neutral","sentiment_score":0.07947943852158244,"num_words":97,"start":3229.575,"end":3263.465},{"sentences":[{"text":"Today's money.","start":3263.465,"end":3264.365,"sentiment":"neutral","sentiment_score":-0.0034451053143129684},{"text":"Just for I don't know.","start":3264.825,"end":3265.865,"sentiment":"neutral","sentiment_score":-0.07835868336260318},{"text":"Yeah.","start":3265.865,"end":3266.365,"sentiment":"neutral","sentiment_score":0.06686533987522125},{"text":"Probably blow $40 on holidays, buy a fucking wanky four wheel drive on there.","start":3266.585,"end":3271.625,"sentiment":"neutral","sentiment_score":-0.2850495720548289},{"text":"Buy my kids inheritance if I have them.","start":3271.625,"end":3273.645,"sentiment":"neutral","sentiment_score":-0.031613429076969624}],"sentiment":"neutral","sentiment_score":-0.15251399096499274,"num_words":30,"start":3263.465,"end":3273.645},{"sentences":[{"text":"So I can panic.","start":3273.75,"end":3283.2612,"sentiment":"neutral","sentiment_score":0.010327508673071861},{"text":"Yeah.","start":3290.005,"end":3290.505,"sentiment":"neutral","sentiment_score":-0.012050085701048374},{"text":"Yep.","start":3291.845,"end":3292.345,"sentiment":"neutral","sentiment_score":0.03857026249170303},{"text":"Yeah.","start":3292.6448,"end":3292.885,"sentiment":"neutral","sentiment_score":0.04666583240032196},{"text":"Pretty much.","start":3292.885,"end":3293.365,"sentiment":"neutral","sentiment_score":0.037798961624503136}],"sentiment":"neutral","sentiment_score":0.021121551903585594,"num_words":9,"start":3273.75,"end":3293.365},{"sentences":[{"text":"Well, on the age I am, like, if it drops 50% right now, I don't really see that as much of an issue.","start":3293.365,"end":3298.085,"sentiment":"neutral","sentiment_score":-0.19450293513743774},{"text":"Like, I'm gonna be here for thirty more years at least whether I like it or not.","start":3298.085,"end":3302.08,"sentiment":"neutral","sentiment_score":-0.07822060124839053},{"text":"But it's not I don't I don't really find that that concerning, so I'd rather sort of push quite a bit.","start":3302.9402,"end":3307.34,"sentiment":"neutral","sentiment_score":-0.2311055858929952},{"text":"Also, I'm still younger and then taper off as I get older.","start":3307.34,"end":3309.84,"sentiment":"neutral","sentiment_score":-0.12920528277754784},{"text":"Yes.","start":3337.6199,"end":3337.995,"sentiment":"neutral","sentiment_score":0.05546585097908974}],"sentiment":"neutral","sentiment_score":-0.16420989966875799,"num_words":74,"start":3293.365,"end":3337.995},{"sentences":[{"text":"Yep.","start":3348.155,"end":3348.655,"sentiment":"neutral","sentiment_score":-0.012223223224282265},{"text":"We'd probably both like to get, like, a personal share account going.","start":3350.955,"end":3356.0398,"sentiment":"neutral","sentiment_score":0.07438978971913457},{"text":"So we're talking about this and, like, we've got, you know, like, say, a million ish dollars in Equity.","start":3356.0398,"end":3361.24,"sentiment":"neutral","sentiment_score":0.07887077802105953},{"text":"Equity, but it's pretty much all in our properties.","start":3361.48,"end":3363.48,"sentiment":"neutral","sentiment_score":0.18665646099381977},{"text":"And, like, that's great.","start":3363.48,"end":3364.3599,"sentiment":"positive","sentiment_score":0.6156236231327057}],"sentiment":"neutral","sentiment_score":0.14492003727290365,"num_words":45,"start":3348.155,"end":3364.3599},{"sentences":[{"text":"And all of them now, I'm sort of starting to feel like, yeah, I might be a bit over leveraged in that.","start":3364.3599,"end":3367.88,"sentiment":"neutral","sentiment_score":0.27967859703031456},{"text":"I should start on my own personal share account or gold or something else.","start":3367.88,"end":3372.5552,"sentiment":"neutral","sentiment_score":0.17476905669484818},{"text":"Just I I feel like we're a bit too much all eggs in the one basket at the moment.","start":3372.5552,"end":3376.575,"sentiment":"neutral","sentiment_score":-0.27336283498688746},{"text":"Yeah.","start":3379.995,"end":3380.495,"sentiment":"neutral","sentiment_score":0.10400208830833436},{"text":"Probably, yeah, just contributing from, like, cash flow mainly.","start":3395.785,"end":3398.265,"sentiment":"neutral","sentiment_score":0.05617928422159619}],"sentiment":"neutral","sentiment_score":0.06177565707610204,"num_words":65,"start":3364.3599,"end":3398.265},{"sentences":[{"text":"It sort of depends on what the equity comes back at for this this other place, which is getting valued.","start":3398.265,"end":3405.885,"sentiment":"neutral","sentiment_score":0.03406896376982331},{"text":"But, yeah, probably more my own contribution.","start":3405.945,"end":3408.205,"sentiment":"neutral","sentiment_score":0.05145280808210373},{"text":"Yeah.","start":3413.1401,"end":3413.6401,"sentiment":"neutral","sentiment_score":0.026640836149454117},{"text":"I don't know.","start":3414.34,"end":3414.82,"sentiment":"neutral","sentiment_score":-0.10227134823799133},{"text":"Like, as much as possible.","start":3414.82,"end":3415.86,"sentiment":"neutral","sentiment_score":-0.08591251522302627}],"sentiment":"neutral","sentiment_score":0.009217031869209476,"num_words":36,"start":3398.265,"end":3415.86},{"sentences":[{"text":"I don't really do, like, a weekly thing.","start":3415.86,"end":3417.3,"sentiment":"neutral","sentiment_score":-0.20533012226223946},{"text":"Like I said, I I keep my personal account at $10, and then whatever I have over that at the end of the month, I just paid all that mortgage at the moment.","start":3417.3,"end":3425.675,"sentiment":"neutral","sentiment_score":-0.06881058182228696},{"text":"But if I can make more than like, interest rates are six ten at the moment or whatever they are, like, if I can make sort of eight to 10 in the stock market, then I don't necessarily see that as being that advantageous.","start":3425.675,"end":3435.695,"sentiment":"neutral","sentiment_score":-0.10694393744184212},{"text":"Especially, we're getting pretty close to being like we got 55 in that offset and the mortgage or 80.","start":3437.8198,"end":3442.5398,"sentiment":"neutral","sentiment_score":0.07275127011694406},{"text":"Once I get to 80 in savings, then, like, it's not really offsetting anything anymore, which I get pretty close to.","start":3442.5398,"end":3450.24,"sentiment":"neutral","sentiment_score":0.07725282705255918}],"sentiment":"neutral","sentiment_score":-0.04491471940279007,"num_words":125,"start":3415.86,"end":3450.24},{"sentences":[{"text":"Yeah.","start":3463.4001,"end":3463.72,"sentiment":"neutral","sentiment_score":0.06667844206094742},{"text":"Probably investment over time.","start":3463.72,"end":3468.87,"sentiment":"neutral","sentiment_score":0.07075770106166601},{"text":"Oh, yeah.","start":3484.855,"end":3485.255,"sentiment":"neutral","sentiment_score":0.05938967689871788},{"text":"That's fine.","start":3485.255,"end":3486.075,"sentiment":"neutral","sentiment_score":0.18407413363456726},{"text":"Yeah.","start":3496.99,"end":3497.39,"sentiment":"neutral","sentiment_score":0.0787481814622879}],"sentiment":"neutral","sentiment_score":0.09153850488364697,"num_words":10,"start":3463.4001,"end":3497.39},{"sentences":[{"text":"At least, like, a 5 To 10.","start":3497.39,"end":3499.5498,"sentiment":"neutral","sentiment_score":0.10088687709399632},{"text":"To 10 would be fine.","start":3499.71,"end":3501.15,"sentiment":"neutral","sentiment_score":0.13331392854452134},{"text":"Yeah.","start":3501.15,"end":3501.65,"sentiment":"neutral","sentiment_score":0.0644167810678482},{"text":"Yep.","start":3502.665,"end":3503.165,"sentiment":"neutral","sentiment_score":0.1558118462562561},{"text":"I would say probably do, like, a monthly minimum of 500, and then I'd probably just split whatever I have over $10 between additionally going to the offset and additional payments to that account, if that makes sense.","start":3585.155,"end":3598.06,"sentiment":"neutral","sentiment_score":0.1977322240801234}],"sentiment":"neutral","sentiment_score":0.17513136393748796,"num_words":52,"start":3497.39,"end":3598.06},{"sentences":[{"text":"Do you know what I mean?","start":3598.06,"end":3599.04,"sentiment":"neutral","sentiment_score":0.033375393288830914},{"text":"Yeah.","start":3611.075,"end":3611.395,"sentiment":"neutral","sentiment_score":0.07166561484336853},{"text":"Yeah.","start":3611.395,"end":3611.715,"sentiment":"neutral","sentiment_score":0.09904950857162476},{"text":"Pretty much.","start":3611.715,"end":3612.5352,"sentiment":"neutral","sentiment_score":0.1304331012070179},{"text":"Probably do something like that.","start":3612.675,"end":3613.635,"sentiment":"neutral","sentiment_score":0.079979906976223}],"sentiment":"neutral","sentiment_score":0.06878221469620864,"num_words":15,"start":3598.06,"end":3613.635},{"sentences":[{"text":"Probably make sense for us just because yeah.","start":3613.635,"end":3616.44,"sentiment":"neutral","sentiment_score":0.0980549301020801},{"text":"Like, I don't know.","start":3616.44,"end":3616.8667,"sentiment":"neutral","sentiment_score":-0.057917128782719374},{"text":"I don't know.","start":3616.8667,"end":3617.08,"sentiment":"neutral","sentiment_score":-0.06553697461883227},{"text":"I'll build this so much different month to month, depends on the house.","start":3617.08,"end":3620.3,"sentiment":"neutral","sentiment_score":0.01051272559337891},{"text":"Also, our property, like, if we buy something here, a fence is not cheap.","start":3620.3599,"end":3624.28,"sentiment":"neutral","sentiment_score":-0.013981039635837078}],"sentiment":"neutral","sentiment_score":0.00707359237241603,"num_words":42,"start":3613.635,"end":3624.28},{"sentences":[{"text":"Like, we're spending thousands of dollars.","start":3624.28,"end":3625.8,"sentiment":"neutral","sentiment_score":-0.0016768737696111204},{"text":"We're on acreage.","start":3625.8,"end":3626.6199,"sentiment":"neutral","sentiment_score":0.0005981308252861103},{"text":"And then, also, if if we do overcycle, like, our income almost doubles that month.","start":3628.955,"end":3632.975,"sentiment":"neutral","sentiment_score":0.0459858230004708},{"text":"So it's alright.","start":3633.035,"end":3634.315,"sentiment":"neutral","sentiment_score":0.027618881314992905},{"text":"It's quite it's quite unstable, like, the amount.","start":3634.315,"end":3636.555,"sentiment":"neutral","sentiment_score":-0.12026749411597848}],"sentiment":"neutral","sentiment_score":-0.005650366117645587,"num_words":35,"start":3624.28,"end":3636.555},{"sentences":[{"text":"But, yeah, I would say we all I always put something.","start":3636.555,"end":3638.555,"sentiment":"neutral","sentiment_score":0.037018846212462944},{"text":"Like, as a bare minimum, I put 2.5 or 20 $800 into the other account.","start":3638.555,"end":3643.54,"sentiment":"neutral","sentiment_score":0.04744395452241103},{"text":"But, like, last month, I put 5,800 because I whenever I had it, so I did.","start":3643.54,"end":3647.56,"sentiment":"neutral","sentiment_score":0.026500003004912287},{"text":"Yeah.","start":3655.915,"end":3656.155,"sentiment":"neutral","sentiment_score":0.02998964674770832},{"text":"Yeah.","start":3656.155,"end":3656.395,"sentiment":"neutral","sentiment_score":0.024658292531967163}],"sentiment":"neutral","sentiment_score":0.03630715030753477,"num_words":44,"start":3636.555,"end":3656.395},{"sentences":[{"text":"I'll just put it in joint names.","start":3656.395,"end":3658.015,"sentiment":"neutral","sentiment_score":0.026224000113351003},{"text":"So she has access.","start":3659.115,"end":3659.9949,"sentiment":"neutral","sentiment_score":0.11937853693962097},{"text":"And, like, if I die, there's no rigmarole waiting, any of that kind of crap.","start":3659.9949,"end":3664.075,"sentiment":"neutral","sentiment_score":0.09799883191784223},{"text":"She just has a name on it.","start":3664.075,"end":3665.535,"sentiment":"neutral","sentiment_score":0.14502679982355662},{"text":"Wait on it.","start":3666.635,"end":3667.535,"sentiment":"neutral","sentiment_score":0.17036834359169006}],"sentiment":"neutral","sentiment_score":0.10159325713498725,"num_words":36,"start":3656.395,"end":3667.535},{"sentences":[{"text":"Yeah.","start":3693.4949,"end":3693.84,"sentiment":"neutral","sentiment_score":0.1213562712073326},{"text":"I don't know.","start":3706.0,"end":3706.74,"sentiment":"neutral","sentiment_score":-0.12792052080233893},{"text":"Ideal.","start":3707.705,"end":3707.865,"sentiment":"neutral","sentiment_score":-0.10847749561071396},{"text":"No.","start":3707.865,"end":3708.2651,"sentiment":"neutral","sentiment_score":-0.04347093775868416},{"text":"Well, ideally, it's as soon as possible.","start":3708.2651,"end":3710.605,"sentiment":"neutral","sentiment_score":0.1638218356030328}],"sentiment":"neutral","sentiment_score":0.05633839420401133,"num_words":13,"start":3693.4949,"end":3710.605},{"sentences":[{"text":"But, like, realistically, we're facing a country where pensions will not be available when we're of age.","start":3711.465,"end":3721.165,"sentiment":"neutral","sentiment_score":-0.10771501699791235},{"text":"I don't wanna have to rely on that.","start":3723.27,"end":3724.79,"sentiment":"neutral","sentiment_score":-0.09055408416315913},{"text":"So that's that's the big one.","start":3724.79,"end":3726.4102,"sentiment":"neutral","sentiment_score":0.056945446878671646},{"text":"Like, if I can have enough income to pay bills and go on holidays once or twice a year, You know, that that is the ultimate goal there.","start":3726.55,"end":3738.685,"sentiment":"neutral","sentiment_score":0.22412349017603056},{"text":"Oh, no.","start":3759.255,"end":3768.535,"sentiment":"neutral","sentiment_score":-0.16807936131954193}],"sentiment":"neutral","sentiment_score":0.06107186428347572,"num_words":61,"start":3711.465,"end":3768.535},{"sentences":[{"text":"I wanna sit here for eight years and watch him work.","start":3768.535,"end":3771.115,"sentiment":"negative","sentiment_score":-0.3934011621908708},{"text":"I wanna retire away.","start":3774.75,"end":3776.21,"sentiment":"negative","sentiment_score":-0.35068229585886},{"text":"It's really just as soon as we hit that that comfortable figure, really, that we can no longer work or pursue something that we're both more, you know yeah.","start":3778.03,"end":3790.045,"sentiment":"neutral","sentiment_score":-0.1531970630688914},{"text":"Well, we we can like, I I may still work, but pursue something that I enjoy rather than what I'm chasing for money type thing.","start":3790.045,"end":3799.95,"sentiment":"neutral","sentiment_score":0.025824393033981322},{"text":"Yeah.","start":3801.95,"end":3802.45,"sentiment":"neutral","sentiment_score":0.04933598637580872}],"sentiment":"neutral","sentiment_score":-0.1353987283472504,"num_words":70,"start":3768.535,"end":3802.45},{"sentences":[{"text":"Absolutely.","start":3849.435,"end":3849.935,"sentiment":"neutral","sentiment_score":0.22011145949363708},{"text":"Yeah.","start":3849.995,"end":3850.495,"sentiment":"neutral","sentiment_score":0.1561807245016098},{"text":"Surplus.","start":3863.57,"end":3864.07,"sentiment":"neutral","sentiment_score":0.025866199284791943},{"text":"Not really.","start":3864.93,"end":3865.65,"sentiment":"neutral","sentiment_score":-0.01806536130607128},{"text":"So we we're just starting we're going to start the process for IVF or for embryo freezing or egg retrieval and embryo.","start":3865.65,"end":3880.135,"sentiment":"neutral","sentiment_score":0.07357443352653222}],"sentiment":"neutral","sentiment_score":0.07350611845376315,"num_words":27,"start":3849.435,"end":3880.135},{"sentences":[{"text":"So the the the hurdle close, like, close term is whether we can have children.","start":3881.6501,"end":3887.81,"sentiment":"neutral","sentiment_score":-0.22476527566711108},{"text":"If we can, we can financially sort of maintain because realistically, I may not be able to work for six months to a year.","start":3887.81,"end":3896.3052,"sentiment":"neutral","sentiment_score":-0.20739995346715054},{"text":"I can't do FIFA with children at home.","start":3896.3052,"end":3898.325,"sentiment":"neutral","sentiment_score":-0.2939859516918659},{"text":"So my income will probably substantially drop in that period.","start":3898.705,"end":3905.605,"sentiment":"negative","sentiment_score":-0.42087106704711913},{"text":"So it's just getting through that together and having enough to to live live on and with no pension.","start":3907.105,"end":3917.54,"sentiment":"neutral","sentiment_score":0.058157480346333036}],"sentiment":"neutral","sentiment_score":-0.1816405812584746,"num_words":76,"start":3881.6501,"end":3917.54},{"sentences":[{"text":"I would say in two years.","start":3924.895,"end":3927.235,"sentiment":"neutral","sentiment_score":-0.002042071738590797},{"text":"So I'm 38 in December.","start":3927.5352,"end":3929.075,"sentiment":"neutral","sentiment_score":0.02506045401096344},{"text":"If I do the egg retrieval within the next year, it'll be a a reevaluate everything, see where we're at, because it would be extremely difficult right now with all the bills and us looking out where it's for me to completely stop working and also have children at home.","start":3930.0151,"end":3947.28,"sentiment":"neutral","sentiment_score":-0.09553253710269928},{"text":"So there might be things that we need to look at there.","start":3948.1401,"end":3952.025,"sentiment":"neutral","sentiment_score":-0.07351941460122664},{"text":"But if we can't, it's all steam ahead with earning.","start":3953.765,"end":3956.9849,"sentiment":"neutral","sentiment_score":0.07914728298783302}],"sentiment":"neutral","sentiment_score":-0.05728117061262748,"num_words":83,"start":3924.895,"end":3956.9849},{"sentences":[{"text":"Thank you.","start":3960.565,"end":3961.385,"sentiment":"positive","sentiment_score":0.5739271342754364},{"text":"Obviously, it was successful for for you.","start":3971.74,"end":3974.38,"sentiment":"neutral","sentiment_score":0.22754920167582376},{"text":"So was it may I ask how much it cost you?","start":3974.38,"end":3977.715,"sentiment":"neutral","sentiment_score":0.0339944889260964},{"text":"The process?","start":3979.235,"end":3979.975,"sentiment":"neutral","sentiment_score":0.017511555925011635},{"text":"No.","start":4007.875,"end":4008.375,"sentiment":"neutral","sentiment_score":-0.11800797283649445}],"sentiment":"neutral","sentiment_score":0.13181100858618383,"num_words":23,"start":3960.565,"end":4008.375},{"sentences":[{"text":"Oh, that's not too bad.","start":4035.07,"end":4036.1648,"sentiment":"neutral","sentiment_score":-0.043830492347478864},{"text":"I was I remember horror stories from years ago at being upwards of 20,000 because I I haven't been you know, you know, I've only just recently looked into this because I've never been able to fall pregnant.","start":4036.1648,"end":4049.1448,"sentiment":"neutral","sentiment_score":-0.11116299239036284},{"text":"So, you know, if it is because I and, like, lucky for you, congratulations, you it works for you.","start":4049.68,"end":4056.32,"sentiment":"positive","sentiment_score":0.3694292553945592},{"text":"And a lot of people I know have to go through it three, four times sort of thing.","start":4056.32,"end":4061.36,"sentiment":"neutral","sentiment_score":0.00010577547881338332},{"text":"So yep.","start":4061.36,"end":4064.325,"sentiment":"neutral","sentiment_score":-0.0220517972484231}],"sentiment":"neutral","sentiment_score":0.03089768346399069,"num_words":82,"start":4035.07,"end":4064.325},{"sentences":[{"text":"Yeah.","start":4080.6602,"end":4080.9001,"sentiment":"neutral","sentiment_score":-0.027558788657188416},{"text":"Okay.","start":4080.9001,"end":4081.4001,"sentiment":"neutral","sentiment_score":-0.02756495028734207},{"text":"It's a bizarre it's a bizarre one for me because I went in and I I had the scans and everything, and I had normal ovaries.","start":4092.275,"end":4099.735,"sentiment":"neutral","sentiment_score":-0.2530587940261914},{"text":"I have a spot on cycle.","start":4099.875,"end":4102.135,"sentiment":"neutral","sentiment_score":-0.13285923500855765},{"text":"I do get pain, but I don't have children.","start":4103.22,"end":4105.7,"sentiment":"neutral","sentiment_score":-0.20703812109099495}],"sentiment":"neutral","sentiment_score":-0.21616629961618158,"num_words":43,"start":4080.6602,"end":4105.7},{"sentences":[{"text":"So, you know, mom had period pain.","start":4105.7,"end":4107.64,"sentiment":"neutral","sentiment_score":-0.19156719744205475},{"text":"But I just have never been able to fall pregnant, and I think it's because I've got a overactive thyroid or used to.","start":4108.18,"end":4115.08,"sentiment":"neutral","sentiment_score":-0.2424849812751231},{"text":"And it's just yeah.","start":4116.305,"end":4118.565,"sentiment":"neutral","sentiment_score":-0.09820539690554142},{"text":"One of my mom's sisters just never fell pregnant.","start":4118.705,"end":4121.205,"sentiment":"neutral","sentiment_score":-0.10400811582803726},{"text":"She adopted two back in the day.","start":4121.345,"end":4123.845,"sentiment":"neutral","sentiment_score":-0.04478636064699718}],"sentiment":"neutral","sentiment_score":-0.17121048212051393,"num_words":50,"start":4105.7,"end":4123.845},{"sentences":[{"text":"So I don't I don't know.","start":4124.705,"end":4126.065,"sentiment":"neutral","sentiment_score":-0.1332621363302072},{"text":"It's a weird family thing or what.","start":4126.065,"end":4135.2397,"sentiment":"neutral","sentiment_score":-0.15096543835742132},{"text":"Did you have a lot of pain or any yeah.","start":4137.0996,"end":4141.1196,"sentiment":"neutral","sentiment_score":-0.14618546590209008},{"text":"Yeah.","start":4144.245,"end":4144.725,"sentiment":"neutral","sentiment_score":-0.04327072575688362},{"text":"That's usually the the telltale is the pain, and I'm shit for about two days every 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yeah.","start":4195.8853,"end":4205.185,"sentiment":"neutral","sentiment_score":-0.1405759279926618}],"sentiment":"neutral","sentiment_score":-0.13008839570518052,"num_words":21,"start":4168.875,"end":4205.185},{"sentences":[{"text":"Yeah.","start":4208.89,"end":4209.39,"sentiment":"neutral","sentiment_score":-0.08161598443984985},{"text":"Yeah.","start":4214.81,"end":4215.13,"sentiment":"neutral","sentiment_score":-0.05555693060159683},{"text":"Well, that's the big thing for me too.","start":4215.13,"end":4217.13,"sentiment":"neutral","sentiment_score":-0.09636820293962955},{"text":"Like, I feel this genetics test that I was waiting on for the cancer because, obviously, BRCA the BRCA gene is lone receptive or generally with fluctuations in hormones triggers cancer.","start":4217.13,"end":4229.155,"sentiment":"neutral","sentiment_score":-0.12321284293167052},{"text":"And the OBG didn't wanna proceed until I had the all clear for that.","start":4229.695,"end":4234.77,"sentiment":"neutral","sentiment_score":-0.15560974127479962}],"sentiment":"neutral","sentiment_score":-0.12556823722340843,"num_words":55,"start":4208.89,"end":4234.77},{"sentences":[{"text":"That was a bit of a nerve wracking time because if, you know, if I had have been positive for the BRCA gene, they would have just hysterectomy, get it all out, do it now before you get cancer.","start":4234.93,"end":4246.69,"sentiment":"neutral","sentiment_score":-0.27151245948595876},{"text":"So that was a massive relief.","start":4246.69,"end":4249.5103,"sentiment":"neutral","sentiment_score":0.12338985068102677},{"text":"That was huge relief, but now let's go.","start":4250.1147,"end":4254.9346,"sentiment":"neutral","sentiment_score":0.267837923951447},{"text":"Yeah.","start":4278.395,"end":4278.895,"sentiment":"neutral","sentiment_score":-0.05040609836578369},{"text":"Did they investigate that once you started your IVF process, or was that something you've received prior to that?","start":4288.88,"end":4294.5,"sentiment":"neutral","sentiment_score":-0.07143266244154227}],"sentiment":"neutral","sentiment_score":-0.12484342615081839,"num_words":73,"start":4234.93,"end":4294.5},{"sentences":[{"text":"Yeah.","start":4311.855,"end":4312.355,"sentiment":"neutral","sentiment_score":-0.06900975853204727},{"text":"Hormones and everything.","start":4317.71,"end":4319.5703,"sentiment":"neutral","sentiment_score":-0.07088323185841243},{"text":"Yep.","start":4320.43,"end":4320.91,"sentiment":"neutral","sentiment_score":-0.015355514362454414},{"text":"They yeah.","start":4320.91,"end":4326.13,"sentiment":"neutral","sentiment_score":-0.01663792598992586},{"text":"Yeah.","start":4326.27,"end":4326.77,"sentiment":"neutral","sentiment_score":0.03236823529005051}],"sentiment":"neutral","sentiment_score":-0.03724032314494252,"num_words":8,"start":4311.855,"end":4326.77},{"sentences":[{"text":"Magic.","start":4328.395,"end":4328.895,"sentiment":"neutral","sentiment_score":0.19373558461666107},{"text":"Texas like magic.","start":4329.035,"end":4330.2554,"sentiment":"neutral","sentiment_score":0.12194786717494328},{"text":"Idiot.","start":4330.795,"end":4331.295,"sentiment":"neutral","sentiment_score":0.03908243030309677},{"text":"Did that help once they've removed?","start":4366.97,"end":4368.5903,"sentiment":"neutral","sentiment_score":-0.04930900658170382},{"text":"Yeah.","start":4369.0503,"end":4369.5503,"sentiment":"neutral","sentiment_score":-0.016194123774766922}],"sentiment":"neutral","sentiment_score":0.023884454431633156,"num_words":12,"start":4328.395,"end":4369.5503},{"sentences":[{"text":"Yeah.","start":4372.17,"end":4372.67,"sentiment":"neutral","sentiment_score":0.012092025950551031},{"text":"Awesome.","start":4381.77,"end":4382.27,"sentiment":"positive","sentiment_score":0.5190678834915161},{"text":"Yeah.","start":4398.045,"end":4398.48,"sentiment":"neutral","sentiment_score":0.045034538954496384},{"text":"Yep.","start":4407.44,"end":4407.94,"sentiment":"neutral","sentiment_score":0.05555956810712814},{"text":"How was that process?","start":4409.36,"end":4410.495,"sentiment":"neutral","sentiment_score":0.029814447974786162}],"sentiment":"neutral","sentiment_score":0.09387647605035454,"num_words":8,"start":4372.17,"end":4410.495},{"sentences":[{"text":"Sorry.","start":4410.815,"end":4410.975,"sentiment":"neutral","sentiment_score":-0.16333025693893433},{"text":"I'm I'm very I I haven't spoken to many people about it.","start":4410.975,"end":4415.395,"sentiment":"neutral","sentiment_score":-0.18076765350997448},{"text":"Jake's gotta move out for a month.","start":4425.11,"end":4427.05,"sentiment":"neutral","sentiment_score":-0.1581325509718486},{"text":"I'm the arguer.","start":4434.4697,"end":4435.4497,"sentiment":"neutral","sentiment_score":-0.11418659488360088},{"text":"I'm not gonna lock the guns up.","start":4436.55,"end":4437.63,"sentiment":"neutral","sentiment_score":-0.23852079893861497}],"sentiment":"neutral","sentiment_score":-0.18172251110275586,"num_words":30,"start":4410.815,"end":4437.63},{"sentences":[{"text":"I just this is he's gonna lock the guns up.","start":4437.63,"end":4440.645,"sentiment":"neutral","sentiment_score":-0.13862219005823134},{"text":"Oh, sorry.","start":4441.765,"end":4442.165,"sentiment":"neutral","sentiment_score":-0.024604315869510174},{"text":"I just got a quick call I gotta take.","start":4442.165,"end":4443.605,"sentiment":"neutral","sentiment_score":0.004377043599055873},{"text":"I'll give you over to Jake.","start":4443.605,"end":4444.645,"sentiment":"neutral","sentiment_score":0.012056352415432533},{"text":"Sorry.","start":4444.645,"end":4445.145,"sentiment":"neutral","sentiment_score":-0.03596675023436546}],"sentiment":"neutral","sentiment_score":-0.048559491988271475,"num_words":28,"start":4437.63,"end":4445.145},{"sentences":[{"text":"Hey.","start":4448.245,"end":4448.565,"sentiment":"neutral","sentiment_score":0.0619112104177475},{"text":"Sorry.","start":4448.565,"end":4448.8853,"sentiment":"neutral","sentiment_score":0.06440512835979462},{"text":"I'm back.","start":4448.8853,"end":4449.545,"sentiment":"neutral","sentiment_score":0.05348021909594536},{"text":"Thank you for sharing all that with us.","start":4449.925,"end":4451.685,"sentiment":"positive","sentiment_score":0.4099417459219694},{"text":"It's very, very much appreciated that because, yeah, we don't really we don't know anyone down here and certainly no one that's gone through IVF.","start":4451.685,"end":4457.29,"sentiment":"neutral","sentiment_score":-0.09435366898775101}],"sentiment":"neutral","sentiment_score":0.03118835188247062,"num_words":37,"start":4448.245,"end":4457.29},{"sentences":[{"text":"That's awesome.","start":4471.045,"end":4471.785,"sentiment":"positive","sentiment_score":0.5911256074905396},{"text":"Really.","start":4471.845,"end":4472.245,"sentiment":"positive","sentiment_score":0.5290546417236328},{"text":"We really we both really appreciate that.","start":4472.245,"end":4474.085,"sentiment":"positive","sentiment_score":0.6230280825069973},{"text":"Thank you.","start":4474.085,"end":4474.745,"sentiment":"positive","sentiment_score":0.5096434652805328},{"text":"Yeah.","start":4486.2,"end":4486.52,"sentiment":"neutral","sentiment_score":0.10367600619792938}],"sentiment":"positive","sentiment_score":0.5534973362317452,"num_words":13,"start":4471.045,"end":4486.52},{"sentences":[{"text":"No.","start":4486.52,"end":4486.7603,"sentiment":"neutral","sentiment_score":0.10773035883903503},{"text":"I'm looking forward to it, like, where get it to me if we could.","start":4486.7603,"end":4490.22,"sentiment":"neutral","sentiment_score":0.13762440159916878},{"text":"We have an ordeal?","start":4495.665,"end":4501.605,"sentiment":"neutral","sentiment_score":-0.27433955296874046},{"text":"We've been waiting so far.","start":4504.705,"end":4505.985,"sentiment":"neutral","sentiment_score":-0.11997374594211578},{"text":"Like, we first went two years ago, and, obviously, there's been an excessive waiting, but but nothing's been done yet.","start":4505.985,"end":4511.8,"sentiment":"neutral","sentiment_score":-0.08314922358840704}],"sentiment":"neutral","sentiment_score":-0.03013044163923372,"num_words":44,"start":4486.52,"end":4511.8},{"sentences":[{"text":"I mean, it's been two years ago.","start":4511.8,"end":4513.66,"sentiment":"neutral","sentiment_score":-0.12021413764783315},{"text":"Do something already.","start":4513.96,"end":4515.0,"sentiment":"neutral","sentiment_score":-0.053376043836275734},{"text":"Come on, man.","start":4515.0,"end":4515.96,"sentiment":"neutral","sentiment_score":-0.16636970142523447},{"text":"Hurry up.","start":4515.96,"end":4516.78,"sentiment":"neutral","sentiment_score":-0.24402862042188644},{"text":"Yeah.","start":4552.06,"end":4552.3,"sentiment":"neutral","sentiment_score":-0.017243189737200737}],"sentiment":"neutral","sentiment_score":-0.12537728936877102,"num_words":16,"start":4511.8,"end":4552.3},{"sentences":[{"text":"I think you Yeah.","start":4552.3,"end":4554.1553,"sentiment":"neutral","sentiment_score":-0.023951746989041567},{"text":"I've made the running joke, and it would be funny if we did all this genetic testing because we end up paying for it out of pocket because anyway, whenever we just had to pay for it, then we did all of this, and then it turns out I was there all the time.","start":4554.1553,"end":4564.975,"sentiment":"neutral","sentiment_score":-0.1731973727820096},{"text":"It was just been a running joke.","start":4565.035,"end":4566.6553,"sentiment":"neutral","sentiment_score":-0.2827112355402538},{"text":"Like, we jumped through hoops to pay for ourselves, and we finally get the checking of my foot off.","start":4566.955,"end":4571.68,"sentiment":"neutral","sentiment_score":-0.22710750212794856},{"text":"They're like, oh, you know, sterile the whole time.","start":4571.68,"end":4573.52,"sentiment":"negative","sentiment_score":-0.44591541753874886}],"sentiment":"neutral","sentiment_score":-0.21242715123920672,"num_words":93,"start":4552.3,"end":4573.52},{"sentences":[{"text":"What a fucking waste of time.","start":4573.52,"end":4575.14,"sentiment":"negative","sentiment_score":-0.6673897504806519},{"text":"No.","start":4577.12,"end":4577.3604,"sentiment":"neutral","sentiment_score":-0.15161579847335815},{"text":"I'm sure it'll all be fine.","start":4577.3604,"end":4578.74,"sentiment":"neutral","sentiment_score":-0.15926803648471832},{"text":"Hey.","start":4580.64,"end":4580.8804,"sentiment":"neutral","sentiment_score":-0.05640353262424469},{"text":"I'll be so mad.","start":4580.8804,"end":4581.94,"sentiment":"neutral","sentiment_score":-0.21538783889263868}],"sentiment":"negative","sentiment_score":-0.3349731893589099,"num_words":18,"start":4573.52,"end":4581.94},{"sentences":[{"text":"I mean, I'm not doing that.","start":4583.0747,"end":4584.5146,"sentiment":"negative","sentiment_score":-0.34748780727386475},{"text":"Why don't we do this first, you fucking asshole?","start":4584.5146,"end":4586.375,"sentiment":"negative","sentiment_score":-0.4741271270645989},{"text":"I could do all this shit beforehand.","start":4586.675,"end":4588.375,"sentiment":"neutral","sentiment_score":-0.3229466655424663},{"text":"Thank you.","start":4596.995,"end":4597.74,"sentiment":"neutral","sentiment_score":0.3313143700361252},{"text":"Yeah.","start":4601.02,"end":4601.3403,"sentiment":"neutral","sentiment_score":0.006288341712206602}],"sentiment":"neutral","sentiment_score":-0.31775122256949545,"num_words":25,"start":4583.0747,"end":4601.3403},{"sentences":[{"text":"Yeah.","start":4601.3403,"end":4601.58,"sentiment":"neutral","sentiment_score":0.008003201335668564},{"text":"It was doctor Ben, his last name.","start":4601.58,"end":4604.62,"sentiment":"neutral","sentiment_score":0.0016319198267800462},{"text":"He's Indian fellow.","start":4604.62,"end":4605.2603,"sentiment":"neutral","sentiment_score":0.004168515636896093},{"text":"Lovely guy.","start":4605.2603,"end":4605.9004,"sentiment":"neutral","sentiment_score":-0.08476739004254341},{"text":"I can't for the life of me say his last name.","start":4605.9004,"end":4607.9805,"sentiment":"neutral","sentiment_score":-0.189066236669367}],"sentiment":"neutral","sentiment_score":-0.09238879985059611,"num_words":24,"start":4601.3403,"end":4607.9805},{"sentences":[{"text":"I'd say just Ben to me.","start":4607.9805,"end":4609.52,"sentiment":"neutral","sentiment_score":-0.04425200385351976},{"text":"Thank you.","start":4616.365,"end":4617.025,"sentiment":"positive","sentiment_score":0.6578589081764221},{"text":"Just back to me there.","start":4621.405,"end":4622.445,"sentiment":"neutral","sentiment_score":-0.08160248994827271},{"text":"Thank you for the information.","start":4622.445,"end":4623.665,"sentiment":"neutral","sentiment_score":0.19259228110313414},{"text":"I appreciate you telling me stuff about it because, you know, the doctor's just like, yeah.","start":4623.805,"end":4628.9497,"sentiment":"neutral","sentiment_score":0.009029013919644058}],"sentiment":"neutral","sentiment_score":0.051459381521186405,"num_words":34,"start":4607.9805,"end":4628.9497},{"sentences":[{"text":"We'll just go in and get your eggs, and then we'll we'll fertilize them.","start":4628.9497,"end":4632.3896,"sentiment":"neutral","sentiment_score":0.029470951429435184},{"text":"And then, you know, you you will have some, and then we'll put them in.","start":4632.3896,"end":4634.63,"sentiment":"neutral","sentiment_score":0.025144573052724203},{"text":"I'm like, cool.","start":4634.63,"end":4635.51,"sentiment":"neutral","sentiment_score":0.12026454756657283},{"text":"I know that.","start":4635.51,"end":4636.4097,"sentiment":"neutral","sentiment_score":0.07384312028686206},{"text":"Tell me more.","start":4638.23,"end":4639.13,"sentiment":"neutral","sentiment_score":-0.015963482360045116}],"sentiment":"neutral","sentiment_score":0.034847222954819075,"num_words":38,"start":4628.9497,"end":4639.13},{"sentences":[{"text":"Yeah.","start":4648.435,"end":4648.755,"sentiment":"neutral","sentiment_score":-0.021370520815253254},{"text":"That's mhmm.","start":4648.755,"end":4653.735,"sentiment":"neutral","sentiment_score":-0.10907510668039322},{"text":"Yeah.","start":4654.355,"end":4654.675,"sentiment":"neutral","sentiment_score":-0.11233015358448029},{"text":"Okay.","start":4654.675,"end":4655.175,"sentiment":"neutral","sentiment_score":-0.2300662100315094},{"text":"Yeah.","start":4656.45,"end":4656.69,"sentiment":"neutral","sentiment_score":-0.10886453837156296}],"sentiment":"neutral","sentiment_score":-0.11513027269393206,"num_words":6,"start":4648.435,"end":4656.69},{"sentences":[{"text":"I heard that a lot of women struggle through the egg retrieval process because the hormones are just so bad, and and you struggle a bit, but it yeah.","start":4656.69,"end":4669.5054,"sentiment":"neutral","sentiment_score":-0.16311539041584935},{"text":"I know what it's like to have PMS in it.","start":4669.5054,"end":4671.9253,"sentiment":"neutral","sentiment_score":-0.12118622362613678},{"text":"I imagine that's 10 times worse.","start":4672.625,"end":4674.725,"sentiment":"negative","sentiment_score":-0.3687153110901515},{"text":"Everything's emotional.","start":4675.745,"end":4676.805,"sentiment":"negative","sentiment_score":-0.38316769897937775},{"text":"So is it, like, an injection once a day for a month or something and then they go in?","start":4706.775,"end":4711.8,"sentiment":"neutral","sentiment_score":-0.07978117799288348}],"sentiment":"neutral","sentiment_score":-0.15813148794977955,"num_words":66,"start":4656.69,"end":4711.8},{"sentences":[{"text":"Or Yeah.","start":4711.8,"end":4741.38,"sentiment":"neutral","sentiment_score":-0.023641430540010333},{"text":"Yeah.","start":4741.38,"end":4741.88,"sentiment":"neutral","sentiment_score":0.011559002101421356},{"text":"Yeah.","start":4760.765,"end":4761.165,"sentiment":"neutral","sentiment_score":0.07357858121395111},{"text":"Coming.","start":4761.165,"end":4761.665,"sentiment":"neutral","sentiment_score":0.08775248378515244},{"text":"No.","start":4781.865,"end":4782.105,"sentiment":"neutral","sentiment_score":0.13170434534549713}],"sentiment":"neutral","sentiment_score":0.04288525856100023,"num_words":6,"start":4711.8,"end":4782.105},{"sentences":[{"text":"Thank you.","start":4782.105,"end":4782.5054,"sentiment":"neutral","sentiment_score":0.26762545108795166},{"text":"Thanks for being forward with it too.","start":4782.5054,"end":4784.285,"sentiment":"positive","sentiment_score":0.5215684005192348},{"text":"It's nice nice to hear of other people's experiences before you kinda step in it blind because, you know, now my sister had hers naturally, my other sister, and my mother struggled to fall pregnant but did.","start":4784.585,"end":4797.8896,"sentiment":"neutral","sentiment_score":0.05764198846913673},{"text":"And I've just I've not even had a scare my entire life.","start":4797.9497,"end":4802.51,"sentiment":"neutral","sentiment_score":-0.1894904412329197},{"text":"You know, it's like, oh, okay.","start":4802.51,"end":4803.79,"sentiment":"neutral","sentiment_score":-0.11490494633714358}],"sentiment":"neutral","sentiment_score":0.05243231728672981,"num_words":64,"start":4782.105,"end":4803.79},{"sentences":[{"text":"Well, something's going on there.","start":4803.79,"end":4805.57,"sentiment":"neutral","sentiment_score":-0.1534080386161804},{"text":"Are you the third child?","start":4810.1553,"end":4811.455,"sentiment":"neutral","sentiment_score":-0.050066088885068895},{"text":"Oh.","start":4814.075,"end":4814.575,"sentiment":"neutral","sentiment_score":-0.024140264838933945},{"text":"Yeah.","start":4828.73,"end":4829.23,"sentiment":"neutral","sentiment_score":-0.04655029624700546},{"text":"Yeah.","start":4831.4497,"end":4831.85,"sentiment":"neutral","sentiment_score":-0.02728521078824997}],"sentiment":"neutral","sentiment_score":-0.08579587764464892,"num_words":13,"start":4803.79,"end":4831.85},{"sentences":[{"text":"My sister was, like, 21 when she fell.","start":4831.85,"end":4834.485,"sentiment":"neutral","sentiment_score":-0.0503947795368731},{"text":"My mom was older when she fell pregnant, so she she had her first at 26 and her last at 41.","start":4837.105,"end":4843.445,"sentiment":"neutral","sentiment_score":0.02224243503241312},{"text":"Yeah.","start":4852.8203,"end":4852.9004,"sentiment":"neutral","sentiment_score":0.16052959859371185},{"text":"Yeah.","start":4852.9004,"end":4853.4004,"sentiment":"neutral","sentiment_score":0.1019122302532196},{"text":"It reminded me now to send those details through them because I haven't done that yet.","start":4855.3003,"end":4859.56,"sentiment":"neutral","sentiment_score":0.041238868376240134}],"sentiment":"neutral","sentiment_score":0.02098290685643541,"num_words":47,"start":4831.85,"end":4859.56},{"sentences":[{"text":"Damn.","start":4862.58,"end":4863.08,"sentiment":"neutral","sentiment_score":0.01966099813580513},{"text":"I have one, which I probably jumped with the gun by about twenty years here.","start":4870.765,"end":4874.785,"sentiment":"neutral","sentiment_score":0.036714034527540206},{"text":"But when given, like, the difference in age between the expired, obviously, they're gonna access her super before May.","start":4874.845,"end":4882.2305,"sentiment":"neutral","sentiment_score":-0.09403154567668312},{"text":"When we get close to that age, is there a way to, like, join super accounts and effectively, like, sneak getting access to my super by rolling it into hers or you you know what I'm trying to get at?","start":4882.85,"end":4896.165,"sentiment":"neutral","sentiment_score":0.04158435179851949},{"text":"Fuck.","start":4899.7446,"end":4900.2446,"sentiment":"negative","sentiment_score":-0.6482915282249451}],"sentiment":"neutral","sentiment_score":-0.0026466487906873226,"num_words":76,"start":4862.58,"end":4900.2446},{"sentences":[{"text":"Yeah.","start":4949.8047,"end":4950.06,"sentiment":"neutral","sentiment_score":0.06425592303276062},{"text":"Yeah.","start":4975.355,"end":4975.62,"sentiment":"neutral","sentiment_score":0.04387653619050979},{"text":"What have we spent down the other one?","start":4982.42,"end":4984.3604,"sentiment":"neutral","sentiment_score":0.00021140079479664564},{"text":"Yeah.","start":4984.74,"end":4984.98,"sentiment":"neutral","sentiment_score":0.029118774458765984},{"text":"So so you can do the opposite and avoid having super early so you can get an age pension, but you can't really give her my super and get access to it earlier.","start":4984.98,"end":4993.275,"sentiment":"neutral","sentiment_score":-0.032453717946103126}],"sentiment":"neutral","sentiment_score":-0.021182505731386216,"num_words":44,"start":4949.8047,"end":4993.275},{"sentences":[{"text":"Like, we're hoping, you know, like, if everything keeps tracking the way it tracks, by the time tomorrow is 60, we don't have both these places outright, having a bit of personal shares, and, you know, each have a million dollars in super.","start":4993.495,"end":5004.2305,"sentiment":"neutral","sentiment_score":-0.05902374968972317},{"text":"And, you know, well, I don't need to work anymore.","start":5004.2305,"end":5006.1704,"sentiment":"neutral","sentiment_score":-0.21061025708913803},{"text":"Even though I'm only 53, say, or whatever the fuck.","start":5006.39,"end":5009.1904,"sentiment":"neutral","sentiment_score":-0.21733305528759955},{"text":"Yeah.","start":5009.1904,"end":5009.2705,"sentiment":"neutral","sentiment_score":-0.1523457169532776},{"text":"Is that right?","start":5009.2705,"end":5009.6704,"sentiment":"neutral","sentiment_score":-0.08447948346535365}],"sentiment":"neutral","sentiment_score":-0.10780953026529569,"num_words":67,"start":4993.495,"end":5009.6704},{"sentences":[{"text":"60 or two?","start":5009.6704,"end":5010.2305,"sentiment":"neutral","sentiment_score":-0.048967246587077774},{"text":"Yeah.","start":5010.2305,"end":5010.47,"sentiment":"neutral","sentiment_score":-0.02315339632332325},{"text":"50 three.","start":5010.47,"end":5010.95,"sentiment":"neutral","sentiment_score":-0.020447634626179934},{"text":"I don't know.","start":5010.95,"end":5011.35,"sentiment":"neutral","sentiment_score":-0.1708828310171763},{"text":"I don't actually need to work.","start":5011.35,"end":5012.81,"sentiment":"neutral","sentiment_score":-0.24483907967805862}],"sentiment":"neutral","sentiment_score":-0.14617555843045313,"num_words":15,"start":5009.6704,"end":5012.81},{"sentences":[{"text":"I don't I don't wanna avoid I'm not trying to get more pension.","start":5012.83,"end":5016.1504,"sentiment":"neutral","sentiment_score":-0.27368496358394623},{"text":"Do quite the opposite.","start":5016.1504,"end":5016.95,"sentiment":"neutral","sentiment_score":-0.2208353988826275},{"text":"I'm trying to just fund fucking leave me alone.","start":5016.95,"end":5024.945,"sentiment":"neutral","sentiment_score":-0.295706111109919},{"text":"Yeah.","start":5039.92,"end":5040.1597,"sentiment":"neutral","sentiment_score":0.03576282411813736},{"text":"I mean okay.","start":5040.1597,"end":5041.44,"sentiment":"neutral","sentiment_score":0.04298342391848564}],"sentiment":"neutral","sentiment_score":-0.23126293420791627,"num_words":30,"start":5012.83,"end":5041.44},{"sentences":[{"text":"No tax.","start":5041.44,"end":5041.92,"sentiment":"neutral","sentiment_score":0.052678246051073074},{"text":"I'll definitely take it if it exists.","start":5041.92,"end":5043.1997,"sentiment":"neutral","sentiment_score":0.185410737991333},{"text":"I'm just not that confident that it will.","start":5043.1997,"end":5044.98,"sentiment":"neutral","sentiment_score":-0.15996964322403073},{"text":"Yep.","start":5064.2104,"end":5064.7104,"sentiment":"neutral","sentiment_score":0.15554067492485046},{"text":"Cool.","start":5064.93,"end":5065.25,"sentiment":"neutral","sentiment_score":0.2376735806465149}],"sentiment":"neutral","sentiment_score":0.027194145674768248,"num_words":19,"start":5041.44,"end":5065.25},{"sentences":[{"text":"Yeah.","start":5065.25,"end":5065.41,"sentiment":"neutral","sentiment_score":0.12477940320968628},{"text":"I just thought I'd ask because I yeah.","start":5065.41,"end":5066.5703,"sentiment":"neutral","sentiment_score":-0.05101412208750844},{"text":"I have no idea how that works.","start":5066.5703,"end":5067.7305,"sentiment":"neutral","sentiment_score":-0.20516233252627508},{"text":"Obviously, no one here being old enough to access it, but we sort of ask.","start":5067.7305,"end":5071.695,"sentiment":"neutral","sentiment_score":-0.19172515918811162},{"text":"Yeah.","start":5072.0947,"end":5072.175,"sentiment":"neutral","sentiment_score":0.0489315427839756}],"sentiment":"neutral","sentiment_score":-0.14207549206912518,"num_words":32,"start":5065.25,"end":5072.175},{"sentences":[{"text":"It works.","start":5072.175,"end":5072.735,"sentiment":"neutral","sentiment_score":0.0858149342238903},{"text":"But, yeah, that was bad, really.","start":5072.735,"end":5074.0347,"sentiment":"neutral","sentiment_score":-0.13117982633411884},{"text":"Yeah.","start":5079.215,"end":5079.6147,"sentiment":"neutral","sentiment_score":0.25982457399368286},{"text":"Yeah.","start":5079.6147,"end":5080.0146,"sentiment":"neutral","sentiment_score":0.07788752019405365},{"text":"Yeah.","start":5080.0146,"end":5080.5146,"sentiment":"neutral","sentiment_score":0.06299854069948196}],"sentiment":"neutral","sentiment_score":-0.019521677697246723,"num_words":11,"start":5072.175,"end":5080.5146},{"sentences":[{"text":"Yeah.","start":5081.775,"end":5082.0947,"sentiment":"neutral","sentiment_score":0.2551499009132385},{"text":"And you're fine.","start":5082.0947,"end":5083.0747,"sentiment":"neutral","sentiment_score":0.21262078980604807},{"text":"Yep.","start":5104.685,"end":5105.185,"sentiment":"neutral","sentiment_score":0.11208464950323103},{"text":"Yep.","start":5112.3804,"end":5112.7803,"sentiment":"neutral","sentiment_score":0.022587206214666367},{"text":"Sorry.","start":5112.7803,"end":5113.1,"sentiment":"neutral","sentiment_score":-0.060324132442474365}],"sentiment":"neutral","sentiment_score":0.13819428480097226,"num_words":7,"start":5081.775,"end":5113.1},{"sentences":[{"text":"We also need a copy of tomorrow's genetics thing just to see if the insurance can cover it now.","start":5113.1,"end":5118.8003,"sentiment":"neutral","sentiment_score":-0.05690647759719899},{"text":"I'm not sure if she I'm through that with you or not?","start":5119.1,"end":5121.285,"sentiment":"neutral","sentiment_score":-0.09405066569646199},{"text":"Ma'am?","start":5121.4453,"end":5121.9453,"sentiment":"neutral","sentiment_score":-0.04403720051050186},{"text":"Yes.","start":5126.325,"end":5126.575,"sentiment":"neutral","sentiment_score":0.01750856824219227},{"text":"Beautiful.","start":5126.575,"end":5127.075,"sentiment":"neutral","sentiment_score":0.05301853269338608}],"sentiment":"neutral","sentiment_score":-0.06421591653762494,"num_words":34,"start":5113.1,"end":5127.075},{"sentences":[{"text":"Yeah.","start":5144.7397,"end":5145.1396,"sentiment":"neutral","sentiment_score":0.09266705065965652},{"text":"Cool.","start":5145.1396,"end":5145.6396,"sentiment":"positive","sentiment_score":0.35521847009658813},{"text":"Awesome.","start":5147.86,"end":5148.36,"sentiment":"positive","sentiment_score":0.6763409376144409},{"text":"Awesome.","start":5150.745,"end":5151.065,"sentiment":"positive","sentiment_score":0.7424001693725586},{"text":"Thank you.","start":5151.065,"end":5151.465,"sentiment":"positive","sentiment_score":0.7877366840839386}],"sentiment":"positive","sentiment_score":0.5736833326518536,"num_words":6,"start":5144.7397,"end":5151.465},{"sentences":[{"text":"Appreciate it.","start":5151.465,"end":5152.285,"sentiment":"positive","sentiment_score":0.787465512752533},{"text":"Alright.","start":5157.465,"end":5157.785,"sentiment":"positive","sentiment_score":0.33624452352523804},{"text":"Thank you.","start":5157.785,"end":5158.265,"sentiment":"positive","sentiment_score":0.5882449746131897},{"text":"Bye.","start":5158.265,"end":5158.765,"sentiment":"neutral","sentiment_score":0.31306058168411255}],"sentiment":"positive","sentiment_score":0.5667876799901327,"num_words":6,"start":5151.465,"end":5158.765}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Jake?\n\nChannel 1: It sure is.\n\nChannel 0: Hi, Jake. It's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: I'm good. Thanks.\n\nChannel 0: That's good. Just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Beautiful. And I just for security purposes, just get you to confirm your full name and date of birth and address,\n\nChannel 1: My full name is Jake Anthony George Simpkins. My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh.\n\nChannel 0: please. Fantastic. I'm phoning today to complete your annual review. Do you still have time for that?\n\nChannel 1: Yeah. Yep. Yep. I got\n\nChannel 0: Yep.\n\nChannel 1: a problem.\n\nChannel 0: And is Tamara with you?\n\nChannel 1: If she is, I'll just go grab her.\n\nChannel 0: Yeah. I'll and I'll just ID Tamara when she gets\n\nChannel 1: She's\n\nChannel 0: on the\n\nChannel 1: it.\n\nChannel 0: phone too. Yeah? Beautiful. Hi, Tamara.\n\nChannel 1: Hello.\n\nChannel 0: My name is Jenna. How are you today?\n\nChannel 1: I'm good. Thanks, though.\n\nChannel 0: I'm well. Thank you. Can I just get you to confirm your full name, date of birth, and and address, please?\n\nChannel 1: Tomorrow, Lee Olson, in 12/12/1988 1886 River Road.\n\nChannel 0: Beautiful. Thank you so much for that. I am just phoning to complete your annual review of your superannuation and insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: You will sure I'm gonna send through an email that you both will receive. You may even receive a double up, so I apologize. I'm gonna look at that email second to what I'm gonna run through first, but I just will hit send so they're in your inbox waiting when we get to that stage.\n\nChannel 1: Yep.\n\nChannel 0: That's just your review pack. Before we start the review, what I like to do is just run through and make sure that all the information that we have on file in relation to your personal and financial situation is still current. So\n\nChannel 1: Yes.\n\nChannel 0: first of all, I'll confirm you're still de facto? Yes. Beautiful. Sorry. It's always an awkward question to ask.\n\nChannel 1: No. You're up.\n\nChannel 0: And do you both do either of you have any\n\nChannel 1: No.\n\nChannel 0: dependents? No. And are you both happy to continue to be nominated as each other's next of kin?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Jake, I'm gonna start with you from an occupation perspective. We have you down as an NDE technician slash painter. Is that still correct?\n\nChannel 1: NDT technician. Yeah. I mean, I'm not really painting that much\n\nChannel 0: Yep.\n\nChannel 1: anymore,\n\nChannel 0: Can I ask\n\nChannel 1: but\n\nChannel 0: just for\n\nChannel 1: I\n\nChannel 0: curiosity?\n\nChannel 1: guess,\n\nChannel 0: What does\n\nChannel 1: technically\n\nChannel 0: the NBT stand for?\n\nChannel 1: yeah. He's a non destructive technician. So we\n\nChannel 0: Okay.\n\nChannel 1: do a bunch of different methods for testing, like, gas piping, mining equipment, aerospace,\n\nChannel 0: Oh,\n\nChannel 1: all\n\nChannel 0: okay.\n\nChannel 1: that kind of, like, high value shit, testing\n\nChannel 0: No.\n\nChannel 1: in a way that doesn't cause any damage to it. So, like, ultrasound, X-ray, that kind of crap.\n\nChannel 0: Oh, wow. That sounds interesting.\n\nChannel 1: So it's very niche, but, yeah, we're just no nerd shit about ultrasound, really. Sounds more impressive than it is.\n\nChannel 0: Still pretty cool. And your is your role mainly, like, off-site or in an office?\n\nChannel 1: No. On-site. So we drive around to\n\nChannel 0: Yep.\n\nChannel 1: different gas wells all over the site during the day and then spend, I don't know, approximately maybe 40% of the time in the office reporting for about sixty forty.\n\nChannel 0: Okay. Beautiful. And are you still full time are are you I've got here full time slash sole trader. What are you still a sole trader?\n\nChannel 1: Yeah. Yeah. Yeah. That's all correct.\n\nChannel 0: Yep.\n\nChannel 1: I mean, I haven't really because we bought that investment property. I don't think I've actually done any work for myself this year that I got\n\nChannel 0: Yeah.\n\nChannel 1: paid for.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, that that that that is true.\n\nChannel 0: Alright. Fantastic. So you contract to a mining site or whoever?\n\nChannel 1: No. So I'm full time out of origin as my employment, and then I just do odd painting jobs here and there.\n\nChannel 0: Okay. Beautiful. Origin. And is that still a two and two roster?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Where do you travel to for\n\nChannel 1: Out\n\nChannel 0: the\n\nChannel 1: to Chinchilla.\n\nChannel 0: oh, nice.\n\nChannel 1: So one extreme or the other, it's heavy to chinny.\n\nChannel 0: Yeah. I was gonna say it's a bit of a hike.\n\nChannel 1: Yeah. I called you.\n\nChannel 0: So we've got your income down as a 140. Is that correct?\n\nChannel 1: Yeah. $1.47 now.\n\nChannel 0: $1.47.\n\nChannel 1: $1.47 now. Yeah. I've got a pay rate. So it'd be $1.47 now.\n\nChannel 0: Okay. And is that plus\n\nChannel 1: Yeah. Pass over.\n\nChannel 0: super? Fantastic. Now as a whole how whole household, we've got your expenditure as $3,500 a week. Does that sound correct?\n\nChannel 1: For, actually, our house. What's this? Sorry?\n\nChannel 0: Just\n\nChannel 1: A household\n\nChannel 0: all your\n\nChannel 1: expenditure.\n\nChannel 0: expenses. Yeah. Because I wonder\n\nChannel 1: Okay.\n\nChannel 0: if that includes your mortgage as well.\n\nChannel 1: How much is a month?\n\nChannel 0: It said 3.5 a week.\n\nChannel 1: Roughly, yeah, for the everything.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. But\n\nChannel 0: And I think\n\nChannel 1: for that. Right?\n\nChannel 0: does that include mortgage repayments?\n\nChannel 1: Yeah. Yeah. That'd be quite advised mortgage repayments.\n\nChannel 0: Okay.\n\nChannel 1: Oh, we pay\n\nChannel 0: And\n\nChannel 1: for it.\n\nChannel 0: yeah. Of course. Yep. That's fine. And do you get a rental income now?\n\nChannel 1: Yes. Yeah. We do. Thank God.\n\nChannel 0: And and how much is that?\n\nChannel 1: $4.80 a week.\n\nChannel 0: Beautiful.\n\nChannel 1: But that's expensive.\n\nChannel 0: Sorry? Oh, Sorry?\n\nChannel 1: Nothing. They're all good. Yeah. $4.80.\n\nChannel 0: Alrighty. Okay.\n\nChannel 1: Yep.\n\nChannel 0: And do you have any savings per week as a household?\n\nChannel 1: We don't have, like, a flat amount that we save per\n\nChannel 0: Yep.\n\nChannel 1: week. It's\n\nChannel 0: Yep.\n\nChannel 1: more like, I get my account to $10, and then anything extra I have with that at the end of the month, I put into our savings. So, you know, if it's a big bill, we did something at the house. It might only be a thousand bucks that month. If it's a\n\nChannel 0: Mhmm.\n\nChannel 1: good month where there wasn't really outlays, I might say $5 that month at all.\n\nChannel 0: Yeah.\n\nChannel 1: Depends.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. I don't really have a set weekly. We sort of live month to month because we have jobs.\n\nChannel 0: Yep. Absolutely fine. Understand. Outside of what you get from your employer for superannuation, do you make any other additional contributions to super?\n\nChannel 1: No. Just\n\nChannel 0: Nope.\n\nChannel 1: just the 12% from the employer.\n\nChannel 0: Yep. Did you want to consider that?\n\nChannel 1: No.\n\nChannel 0: Not\n\nChannel 1: Probably not at this\n\nChannel 0: jump over to your document and just check\n\nChannel 1: stage.\n\nChannel 0: your in car your, sorry, occupation and income. I've got you down as nondestructive testing technician. So do you do you both do the same thing?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Oh, cool. Are you on the same roster? Or\n\nChannel 1: Same roster, different site. So we don't get to see each other\n\nChannel 0: oh,\n\nChannel 1: at work,\n\nChannel 0: that's\n\nChannel 1: but\n\nChannel 0: a\n\nChannel 1: we get the two weeks off together, which is great.\n\nChannel 0: oh, that's nice at least. I remember my husband used to do FIFO, and it was lovely having him gone, but it was lovely when he got home as well. I got a nice balance. Okay. So and are you employed by Origin as well?\n\nChannel 1: SRG Global. We're we're contracted to Origin. So both Jake and I work for the same company,\n\nChannel 0: Okay.\n\nChannel 1: and we contract to Origin. Well, they they've got the contracts for the integrity\n\nChannel 0: Beautiful.\n\nChannel 1: out\n\nChannel 0: Yeah.\n\nChannel 1: there.\n\nChannel 0: Beautiful. Fantastic. And your your roster's the same. And is your has your income gone up at for the same amount?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So I'll put that. I can double that up. And with super, are you making any additional amounts?\n\nChannel 1: I'm not at this stage. No.\n\nChannel 0: No. Are you wanting to?\n\nChannel 1: Probably not at this stage. They made me $40,000 last year, so they're doing alright.\n\nChannel 0: Very good. Very good. That's what I mean, it's something to consider. I mean, you've got your tax tax strategy in place, obviously, with the investment property, but salary sacrifice is also an\n\nChannel 1: Yeah. Definitely. We've we've just been we've put off our our tax. Well, I'm at I'm actually just, like, I'm three years behind\n\nChannel 0: Yeah. Oh,\n\nChannel 1: because\n\nChannel 0: no.\n\nChannel 1: we were no. Yeah. No. We we were expecting a bill because our last employer stuffed up with\n\nChannel 0: Oh, Oh, no.\n\nChannel 1: tax contributions. So I was expecting a $10,000 bill. So what we were doing is waiting to get this investment property done, which we have done.\n\nChannel 0: Yep.\n\nChannel 1: And I've got to send everything through so I'd we don't get smashed, essentially.\n\nChannel 0: Yeah. I under I that. Well, have a chat with them about what their thoughts are for future strategies regarding\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: tax, and we can help with that\n\nChannel 1: Yep.\n\nChannel 0: if that's something that you wanna look at.\n\nChannel 1: Yeah. Definitely. There's that, and we're gonna look into investments as well eventually.\n\nChannel 0: Beautiful.\n\nChannel 1: So\n\nChannel 0: Beautiful. I can touch on that in a moment too. I'm gonna flick to your assets and liabilities now. So we've got your PPR. So this is the house in your sorry.\n\nYour prince principal place of residence. This is your house in Tasmania. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. We've got that valued at $7.50 with a debt of $1.20. Does that sound correct?\n\nChannel 1: Changed a little. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: What\n\nChannel 1: I think\n\nChannel 0: what do\n\nChannel 1: hold on. I'll just check my bank. Account. The debt on the home loan is 80,000 82,000.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Beautiful.\n\nChannel 1: according to realestate.com, this place is worth $8.50.\n\nChannel 0: Lovely. Nest egg there for you guys. That's fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: And the investment property, where is that located?\n\nChannel 1: Georgetown in Tasmania.\n\nChannel 0: Yep. Georgetown. Beautiful. And is it owned jointly?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And we've got that valued at 600 with a debt of $4.38.\n\nChannel 1: Yeah. So that's $4.28 now, and we're we don't know the value of it at this\n\nChannel 0: That's\n\nChannel 1: stage, but 6\n\nChannel 0: okay.\n\nChannel 1: 100\n\nChannel 0: Do you have\n\nChannel 1: sounds about right.\n\nChannel 0: yeah. Do you have the address of it?\n\nChannel 1: 19 Esplanade North. Right.\n\nChannel 0: Yeah. Georgetown.\n\nChannel 1: It's getting an evaluation done this week because\n\nChannel 0: Oh, okay.\n\nChannel 1: I'm getting Jake's name put onto our primary residence, and we had\n\nChannel 0: Oh,\n\nChannel 1: to get\n\nChannel 0: okay.\n\nChannel 1: a loan out in both of our names instead of my own\n\nChannel 0: Yeah.\n\nChannel 1: solely. And\n\nChannel 0: Okay.\n\nChannel 1: they just obviously, they have plenty of equity in this place, but they just\n\nChannel 0: Yep.\n\nChannel 1: wanna\n\nChannel 0: Yeah.\n\nChannel 1: you know?\n\nChannel 0: But\n\nChannel 1: And I\n\nChannel 0: dot\n\nChannel 1: was gonna\n\nChannel 0: their\n\nChannel 1: look\n\nChannel 0: i's and\n\nChannel 1: at\n\nChannel 0: cross\n\nChannel 1: it.\n\nChannel 0: their t's.\n\nChannel 1: Yeah. So realestate.com think it thinks it's $5.10, I think, but that's unrenovated.\n\nChannel 0: Yeah. Okay. That's alright. We'll leave it at\n\nChannel 1: Mhmm.\n\nChannel 0: 600. That's beautiful. So with the properties, are they owned as tenants in common or joint tenants?\n\nChannel 1: What does that mean?\n\nChannel 0: Yes.\n\nChannel 1: What\n\nChannel 0: Okay. Yeah. So there's a there's probably worth having a look at your contracts of purchase. And it means basically a tenant in common means that your portion of the property passes through your will. So it's always important to have a will in place.\n\nWhereas\n\nChannel 1: Yeah.\n\nChannel 0: if it's joint tenants, it will just automatically pass to the other person. So that's probably why I ask only because\n\nChannel 1: It's it's joint tenants because if I die, everything goes to Jake. But we just got a will\n\nChannel 0: fantastic.\n\nChannel 1: done that if we only in the event that we both pass away, we've worked out what we what our half of the state will go to who that'll go to.\n\nChannel 0: Yep. Beautiful. And when were they done just recently?\n\nChannel 1: Yeah. Like, I just sent through the paperwork on Friday.\n\nChannel 0: Oh, beautiful. And did you get powers of attorney done with that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Oh my gosh. Look at you. I'm so proud. There's no you know what? You would think that it would be really common that people would have these in place, but they they just don't.\n\nChannel 1: We had a we had a written will out prior to that, but because, you know, we\n\nChannel 0: Yeah.\n\nChannel 1: have our super we have quite a lot,\n\nChannel 0: Yep. Yep.\n\nChannel 1: like, asset wise. We're\n\nChannel 0: Mhmm.\n\nChannel 1: just like, we need to do this properly, so we've gone to the solicitor and done a proper one\n\nChannel 0: Beautiful.\n\nChannel 1: two and a half\n\nChannel 0: Fantastic.\n\nChannel 1: years later. But, yeah, a lot of a lot of people don't, and I've seen things just go badly,\n\nChannel 0: Yes.\n\nChannel 1: especially with family. So we're just like,\n\nChannel 0: Yes. Oh,\n\nChannel 1: you know\n\nChannel 0: yes.\n\nChannel 1: what? Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Family are the worst. You would think that they'd\n\nChannel 0: Yep.\n\nChannel 1: be their best, but no.\n\nChannel 0: No. I've seen some in my time. I can tell you that. So when you do have those finalized, if possible, are you able to email me a copy of them? Even the reason why we ask is we keep them on file because like, I'll use yesterday as an example.\n\nOne of you would have passed away yesterday. Even though you are recorded on our system as, you know, spouses, partners, we're actually unable to talk to either one of you until we have those documents. So if we already have them on file, that just actually takes away a a level of stress that you probably\n\nChannel 1: Yeah.\n\nChannel 0: wouldn't need\n\nChannel 1: A\n\nChannel 0: at\n\nChannel 1: red\n\nChannel 0: that\n\nChannel 1: tape\n\nChannel 0: time.\n\nChannel 1: as well.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No. That's fine. Once they send them through, I can forward\n\nChannel 0: Yeah.\n\nChannel 1: them.\n\nChannel 0: Oh, fantastic. Thank you. Now I also have a camper van here for 60,000. Is that correct? 60\n\nChannel 1: A camper van for what? Sorry.\n\nChannel 0: thousand dollars?\n\nChannel 1: 16.\n\nChannel 0: Oh, 16.\n\nChannel 1: It was probably\n\nChannel 0: Okay.\n\nChannel 1: 16. It was it's probably worth 15 now, but yes.\n\nChannel 0: Okay. Fantastic.\n\nChannel 1: You can you can have it for 60,000. We'll deliver it for you for that.\n\nChannel 0: Sign and seal and delivered.\n\nChannel 1: Alright. Yeah.\n\nChannel 0: And I have some crypto at 800. Is that still correct?\n\nChannel 1: Oh, for myself.\n\nChannel 0: Yeah.\n\nChannel 1: Oh god. I haven't checked it for, like, a year. Probably, yeah,\n\nChannel 0: Yep.\n\nChannel 1: probably the same.\n\nChannel 0: Beautiful. Jake, I have some crypto here for you for 3,000. Would that still be right?\n\nChannel 1: No. It's about 8,000\n\nChannel 0: Eight.\n\nChannel 1: US. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: That's USD as well.\n\nChannel 0: Beautiful. Is that sorry.\n\nChannel 1: So\n\nChannel 0: That's what?\n\nChannel 1: that's USD as well, not\n\nChannel 0: Oh, beautiful.\n\nChannel 1: AUD. Hey. I'm sorry. I'm just logging on, make sure that's yeah. 8,300, whatever that works out.\n\nThe whole the whole, like, $10.11 ish, something like\n\nChannel 0: And alright. Fantastic. Thank you. And I've got a DMX here at twenty five thousand dollars with a\n\nChannel 1: that.\n\nChannel 0: $10,000\n\nChannel 1: No. There's\n\nChannel 0: debt.\n\nChannel 1: no dent on it anymore.\n\nChannel 0: Beautiful. Still about 25.\n\nChannel 1: Yeah. I guess so. In that\n\nChannel 0: Beautiful.\n\nChannel 1: ballpark.\n\nChannel 0: And I also have an offset account here for 90,000. Would that be\n\nChannel 1: No. Some of that went in the reno's. It's definitely not at 90 anymore.\n\nChannel 0: correct?\n\nChannel 1: Hang on. Let's just pull that up. 5. There's 55,000 in it now.\n\nChannel 0: That's still pretty good, guys. Something to be\n\nChannel 1: Yeah.\n\nChannel 0: very proud of.\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: It's just sad\n\nChannel 0: It\n\nChannel 1: to watching it go down every month, not up. It's finally\n\nChannel 0: it's\n\nChannel 1: bounced\n\nChannel 0: life.\n\nChannel 1: back.\n\nChannel 0: Yeah. I get that. Any other assets or debts that you are aware\n\nChannel 1: I've got Jet Ski.\n\nChannel 0: of? Jet ski. Yep.\n\nChannel 1: About\n\nChannel 0: And\n\nChannel 1: $6\n\nChannel 0: what\n\nChannel 1: worth.\n\nChannel 0: yep. Beautiful. Alright. Any debt on that one?\n\nChannel 1: No.\n\nChannel 0: No. Fantastic.\n\nChannel 1: And we\n\nChannel 0: Alright.\n\nChannel 1: got our engagement ring valued for insurance purposes, and that's worth 33. 33,000.\n\nChannel 0: Beautiful. And, hopefully, that's nice and\n\nChannel 1: Well, we'll be\n\nChannel 0: short. It\n\nChannel 1: getting\n\nChannel 0: will be.\n\nChannel 1: getting individually listed because, yeah, I was like, oh, this is, again, a bit hectic.\n\nChannel 0: Yeah.\n\nChannel 1: I'm like, if I can do this properly\n\nChannel 0: You Yep.\n\nChannel 1: to\n\nChannel 0: So can I ask, are you engaged?\n\nChannel 1: yes. Yeah. Yeah.\n\nChannel 0: Okay. Beautiful. Congratulations.\n\nChannel 1: Yeah. Thank you. We've been engaged for, like, almost two years. We bought that house and everything just went to a standstill for quite a while, but we're getting\n\nChannel 0: Oh,\n\nChannel 1: back to\n\nChannel 0: and\n\nChannel 1: sorting our lives out now. So, yeah, hence, wills and insurances and all this shit's finally getting done.\n\nChannel 0: yeah. Beautiful. Fantastic. Alright. So from a health perspective, I just need to run through the details details that we have on file.\n\nTamara, I've got that you were an ex smoker about five years ago. Is that still correct?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Do you take any medication? Beautiful. Did\n\nChannel 1: No.\n\nChannel 0: you take any medication? No. You've got private health insurance?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: We both do.\n\nChannel 0: Beautiful. Is it with the same company?\n\nChannel 1: Saint Luke's.\n\nChannel 0: Yep. Okay. Beautiful. Because I've got Saint Luke's on one and nothing on yours. So just yes.\n\nSo I thought\n\nChannel 1: Oh.\n\nChannel 0: I'd just double check. Alright. Fantastic. And, Jake, any are you still a non smoker?\n\nChannel 1: Yeah. I don't smoke. Never smoked.\n\nChannel 0: Yep.\n\nChannel 1: I don't take any medication.\n\nChannel 0: Beautiful. Fantastic. Thank you. Alright. Beautiful.\n\nNow I if you have access to your emails, can I ask you to open them up? If you don't, that's okay. I can still run through the documents. But yeah. Just\n\nChannel 1: No.\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: can\n\nChannel 0: access.\n\nChannel 1: open that up now. This\n\nChannel 0: Beautiful.\n\nChannel 1: sign request thing, is that what you're talking\n\nChannel 0: Yep.\n\nChannel 1: about?\n\nChannel 0: Yes. So if you hit sign, what it's gonna do is open up a bunch of documents. You're not actually signing anything. We're just gonna talk through the documents. There are some that we need signing at the end, but you don't sign\n\nChannel 1: Yeah.\n\nChannel 0: them until you're comfortable and\n\nChannel 1: Okay.\n\nChannel 0: you've had\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: know I get a million\n\nChannel 0: the review.\n\nChannel 1: bucks if he died. Oh, no.\n\nChannel 0: Nelly. Okay. So I'm hoping that these are gonna be in the correct order. So just the way they're packed together. But the first document I'm assuming is the is Jake's summary of super inch and insurances.\n\nSo we've got the hub 24 count account for Jake sitting at a balance of 91,000\n\nChannel 1: Yep.\n\nChannel 0: 638. And then your insurances through a Now that's significantly lower than\n\nChannel 1: Yeah.\n\nChannel 0: probably what you're\n\nChannel 1: Yeah.\n\nChannel 0: able to get, but also what your expenses are. Realistically, based on a 147,000, your sum insured should be sitting around $8,500 a month.\n\nChannel 1: Yeah.\n\nChannel 0: So I I guess that's something that I really do need to flag with you whether you wanna look at increasing\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: I definitely wanna update that. I just pulled that document up and went that seems a bit wise. 8,166 income protection. Yeah.\n\nChannel 0: Yeah. Yeah. So I'm going to do some investigating. How long ago did your wage increase to $1.47?\n\nChannel 1: That's brand new, but it's been, like, over a $100 for, like, the last\n\nChannel 0: Mhmm.\n\nChannel 1: three years or so.\n\nChannel 0: Yep. Yep. So were you on $1.40 at least for the last twelve months? Like,\n\nChannel 1: Yeah.\n\nChannel 0: if you you could\n\nChannel 1: Yeah.\n\nChannel 0: prove\n\nChannel 1: $1.38.\n\nChannel 0: that.\n\nChannel 1: Yeah. $1.38 or yeah. Or in that ballpark in the last three years has been, like, you know, anywhere from $1.20 to $1.60 depending on how much overtime, whatever I did, but in that ballpark, certainly, for\n\nChannel 0: Alright.\n\nChannel 1: three years at least.\n\nChannel 0: So if we look at one thirty eight as the base because how income protection works is we can sure insure up to 70% of your gross income. So\n\nChannel 1: Yeah.\n\nChannel 0: if you're happy for me to work on one thirty eight as an average, I'll do some figures, and I'm going to go and investigate that a bit further.\n\nChannel 1: Maybe $1.40. I think my flat, like,\n\nChannel 0: Yep.\n\nChannel 1: base rate contract is a 140. Well, that's\n\nChannel 0: Okay.\n\nChannel 1: a guaranteed minimum I'll earn. So we'll do that\n\nChannel 0: Beautiful.\n\nChannel 1: because, yeah, I'll earn a\n\nChannel 0: Alright.\n\nChannel 1: bit more, but rather that that I can prove pretty easily.\n\nChannel 0: Alright. Now, Jake, with your policies, would you like us to go to market? Basically, that means is we'll go and have a look and make sure that Cal is still competitive price wise definition and\n\nChannel 1: Yes.\n\nChannel 0: all that wise. The reason I ask is you from that brief questionnaire that I asked, do you have any preexisting medical conditions, anything that from an because you'll have to go through full underwriting again. So you might recall when\n\nChannel 1: Yeah. No. I'm\n\nChannel 0: you\n\nChannel 1: completely\n\nChannel 0: did\n\nChannel 1: clean\n\nChannel 0: these\n\nChannel 1: skin. I have\n\nChannel 0: policies.\n\nChannel 1: no medical\n\nChannel 0: Yep.\n\nChannel 1: history\n\nChannel 0: Yep.\n\nChannel 1: for myself at all. No issues, yada\n\nChannel 0: Okay.\n\nChannel 1: yada yada. Not any family history. My mother's had breast cancer, but given I'm a bloke, I'm guessing that's pretty low risk for me.\n\nChannel 0: Yeah. I'm I I'm not sure actually how that works, but I I would have assumed so. Trauma insurance is something that Tamara has, but you don't. So I just wanted to cover that off with you. I'm Do you know what trauma insurance is?\n\nChannel 1: I read a joke about being here off after asking how much is traumatic, but I don't actually know what that is. What like, what counts\n\nChannel 0: Okay.\n\nChannel 1: as traumatic? Like, what would happen to me for me to get former insurance?\n\nChannel 0: Okay. Yep. Okay. So trauma insurance is a policy that pays a tax free lump sum amount on the event that you're diagnosed with a critical illness. So a trauma policy covers it's just over 40 defined, diagnosable conditions, and they range from different type yeah.\n\nTo different types of cancer to stroke, heart attack, and just depending on the severity of it. And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely. It's just that it's designed to help with the the financial\n\nChannel 1: Intermediate.\n\nChannel 0: stress that comes with those.\n\nChannel 1: Yeah. That's\n\nChannel 0: So\n\nChannel 1: probably not a bad idea.\n\nChannel 0: the out of pocket medical expenses, those types of things, because even in the public system, unfortunately, with some some illnesses, there is still always an out of pocket. So it's it's probably something worth looking at. Tamara does have some. She's insured for a 100,000 for your trauma insurance. So if you is there any specific amount you would like cover for, or would you like me to go away and work an amount that's\n\nChannel 1: Yeah. Maybe just amount that's suitable to them when they come back at the I'm guessing I have a $100 mark should\n\nChannel 0: suitable? Yep.\n\nChannel 1: just about cover it.\n\nChannel 0: Alright. Beautiful. In some cases, your income protection might kick in. It just really depends on the the trauma is kind of like a fail safe. So you've got a four week waiting period, thirty days on your income protection.\n\nSo what that means is if a doctor says, you know, for example again, I'll use yesterday, someone was diagnosed with I don't know. Maybe he suffered a heart attack. It was of the right not the right. Sorry. But the it met the conditions of a claimable event.\n\nYou might be back at work within a five, six week period of time frame. That means you're not gonna get your income protection. You might get a week or two.\n\nChannel 1: Yep.\n\nChannel 0: But you might also decide that you're not ready to go back to work. So that's where this this kind of falls into place. It gives you that leeway to make that decision. Like, you might go, actually, you know what? I'm I'm not ready.\n\nChannel 1: Yeah.\n\nChannel 0: I need\n\nChannel 1: Fuck you. I'm\n\nChannel 0: another\n\nChannel 1: having\n\nChannel 0: few\n\nChannel 1: eight weeks\n\nChannel 0: weeks.\n\nChannel 1: off. I nearly died.\n\nChannel 0: Yeah. Yeah. Exactly. So that's kind of the benefit of the trauma insurance in that respect. It gives you the ability to make a decision because, unfortunately, even when we are diagnosed with things meeting the standards of not being medically fit for work is\n\nChannel 1: Machado.\n\nChannel 0: difficult. Sorry?\n\nChannel 1: Machado.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So I'll have a look at that for you as long as well as your income protection too.\n\nChannel 1: No.\n\nChannel 0: Tomorrow, we've got your hub 24 at the balance at 202,587\n\nChannel 1: Mhmm.\n\nChannel 0: for your super. You've got your policies are structured a little bit differently mainly because I do note that you had an exclusion for breast cancer and ovarian cancer on your TPD income protection and trauma cover.\n\nChannel 1: Yeah.\n\nChannel 0: Is there\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: had\n\nChannel 0: family\n\nChannel 1: my\n\nChannel 0: history\n\nChannel 1: sister\n\nChannel 0: there?\n\nChannel 1: passed away from it. But, this is actually something I wanted to talk to you about. So I was awaiting a genetics test to see if I held the BRCA gene, which caused cancer, and I don't\n\nChannel 0: Yep.\n\nChannel 1: I don't have it. So I don't know if I can send that through to you or have, and then I can get covered for breast cancer because I've been cleared for the genetic markers for it.\n\nChannel 0: Okay. Okay. Beautiful. First of all, I'm sorry to hear of your loss. That's awful.\n\nChannel 1: That's okay.\n\nChannel 0: Leave that with me. I'll investigate and revert back to you,\n\nChannel 1: Yep.\n\nChannel 0: and we can definitely go from there. I'll find out what the insurance company says.\n\nChannel 1: Yep.\n\nChannel 0: But based on your financial your I'll go back to life in a minute for both of you. But your income protection sitting at 8,166 a month. Are you happy with that amount?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. Okay. And you've got your trauma cover sitting at a 100,000, and you also hold a little hold your TPD outside of super as well, which costs you a little bit per month out of your personal cash flow.\n\nChannel 1: Yep.\n\nChannel 0: And that just helps with the definitions of being eligible to have a TPD claim. That's why it's structured that way. Are you happy with\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: That's fine.\n\nChannel 0: Yes. So with your life insurance policies for both of you, Jake, you're insured for just shy of 1,000,000.\n\nChannel 1: Yep.\n\nChannel 0: Tamara, you are insured I'm just gonna quickly add them up because there's a couple of different policies. And, Tamara, if we are able to remove that, we might be able to get combine some of your policies for you to clean it up for you. You're insured for life insurance for about $840,000.\n\nChannel 1: Yep.\n\nChannel 0: I I guess the question is, are you both comfortable with that level of cover? Did you wanna look at increasing it based on debt? What are your goals? I mean, it's gonna\n\nChannel 1: I\n\nChannel 0: cover\n\nChannel 1: think if\n\nChannel 0: your\n\nChannel 1: if,\n\nChannel 0: debt anyway.\n\nChannel 1: yeah, if one of us were to pass, 800 to 1,000,000 is plenty. And if I have children,\n\nChannel 0: Yep.\n\nChannel 1: for\n\nChannel 0: Yep.\n\nChannel 1: example, that would\n\nChannel 0: Yep.\n\nChannel 1: keep me out of trouble\n\nChannel 0: Yep. Alright.\n\nChannel 1: quite easily, I think, for some time. So I don't see a reason to up it.\n\nChannel 0: Performance reports. So the if I'm hoping, if you can confirm that that's the next document for you both.\n\nChannel 1: Yeah. I\n\nChannel 0: Beautiful.\n\nChannel 1: I'm going through it now, but can I can't seem to go back?\n\nChannel 0: Might have to jump out and reopen it. I'm not sure how to go back. I'm sorry. I don't\n\nChannel 1: Okay.\n\nChannel 0: I'm\n\nChannel 1: So\n\nChannel 0: not\n\nChannel 1: which\n\nChannel 0: very\n\nChannel 1: paid you? I'm sorry.\n\nChannel 0: we're up to the\n\nChannel 1: The performance?\n\nChannel 0: 20\n\nChannel 1: Yep.\n\nChannel 0: four. Yep. So\n\nChannel 1: Yep.\n\nChannel 0: the first one I've got up is Jake. Is that what you're seeing?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So performance wise, if you look at the second page, you'll see a net performance of 1.66%. Now not great. There is a reason for that. So that's net of fees.\n\nIf you look at the first page, you'll see the Bennelong Australian Equities Fund with a negative return of 15.01%. Now to explain why that's happened, it's not that the Australian share market itself has performed badly. It's Benelong's investment mandate. So their mandate is being an active manager, which means they will look at the Australian share market and the companies within there and try and identify undervalued assets or growth opportunities. Now, unfortunately, it has become a a negative return that we're\n\nChannel 1: Sorry.\n\nChannel 0: can\n\nChannel 1: Can\n\nChannel 0: over\n\nChannel 1: you\n\nChannel 0: appear\n\nChannel 1: speak up? What what else is trying to do? Yeah. You're kinda breaking up\n\nChannel 0: sorry.\n\nChannel 1: or something.\n\nChannel 0: Sorry.\n\nChannel 1: We\n\nChannel 0: Hang\n\nChannel 1: can't\n\nChannel 0: on.\n\nChannel 1: speak up here\n\nChannel 0: Let\n\nChannel 1: very\n\nChannel 0: me\n\nChannel 1: well.\n\nChannel 0: see.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's okay. Sometimes it's this headset and the the volume on it. Is that a bit better? I just turned it up.\n\nChannel 1: That's\n\nChannel 0: Is\n\nChannel 1: right.\n\nChannel 0: that yeah. Okay. Sorry about that. I'll start again. Bennelong has not performed well, it's not a it's it's just that their investment mandate.\n\nSo what they do is they look at the Australian share market and try to identify companies that are undervalued for growth opportunities. Growth winners in the market. So it's not that the share Australian share market has plummeted or not performed. It's that the has plummeted or not performed. It's that the Benelong's mandate hasn't aligned with how the market has actually performed.\n\nSo what we're doing is we don't rush to replace underperforming assets. We take a an approach based on observation, education, looking at the market, the trends. And what we've identified is that we do wanna look at replacing the Bannalong Australian Equities Fund because the that we don't agree with their investment mandate at the present time. So\n\nChannel 1: Yeah.\n\nChannel 0: that has had a negative impact on your portfolio because as you can see from the rest of your portfolio, it performs very well. So that's what's brought down your overall return. The fact that Ben along hasn't been able to well, the market hasn't, you know, performed in the way that suitable for their investment mandate. So if it's okay with you, what I wanna do is have a look at your whole portfolio to make sure that it's still in line with what you're hoping to achieve and also look\n\nChannel 1: Yep.\n\nChannel 0: at alternatives for Benelon.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions about your portfolio as a whole?\n\nChannel 1: No. Not really. Other than Ben along socks.\n\nChannel 0: Yes.\n\nChannel 1: So I'm just looking at the passenger charge around else, and, yeah, he\n\nChannel 0: Yeah.\n\nChannel 1: kind of fucking jumped the ball there.\n\nChannel 0: Yeah.\n\nChannel 1: At twenty\n\nChannel 0: Yep.\n\nChannel 1: '4, '21, seven '13, '31, like,\n\nChannel 0: Yep.\n\nChannel 1: they all did pretty well.\n\nChannel 0: Yep. So you've got a fair few satellite one. We call them satellites. So they're the ones that float around your bigger assets in the portfolio, and you've got quite a few, let's call them niche. So you've got your global global cyber.\n\nYou have your global battery tech and lithium, which are great performers in the last twelve months due to, you know, the ongoing development of AI and the need for cybersecurity. Battery tech and lithium took a boost recently because of the conflict in Iran and, you know, the petrol\n\nChannel 1: Yeah.\n\nChannel 0: the diesel and petrol and all that sort of stuff. But you also have a great exposure to the whole world. So you've got some Asia and Europe exposure. You've got some American exposure. And so along with global, you've got some niche markets as well and also economies exposure.\n\nSo it's a it's a good it's a good allocation, but as performance of the portfolio as a whole, but Benelon itself is one that we definitely need to look at alternatives.\n\nChannel 1: Yep.\n\nChannel 0: Yep. The next document is yours, Tamara, with performance. So you do not hold the panel on. Yep. Yep.\n\nSo your net return was 5.37. The one in your policy that policy, sorry, portfolio that I'd like to probably just have a look at is the first one, the bank hybrids. So you don't have a significant exposure to them, but the banking\n\nChannel 1: Mhmm.\n\nChannel 0: system in Australia is changing. And from January 2027, the bank hybrids will be phased out. What I'm doing with the clients that I speak to and is just being proactive in a sense because I don't know what's gonna happen. They're performing well at the moment. You know, the rate the income produced off them is is pretty what we'd expect from a bank hybrid, but I don't know what the replacement alternative the banks are gonna offer.\n\nSo what I'm wanting to do is do a little bit of research for the client for my clients just to look at alternatives rather than wait\n\nChannel 1: Yeah.\n\nChannel 0: and see. I'd like to be a little bit more proactive in that respect, if that's alright with you.\n\nChannel 1: Yeah. Yeah. Go for it.\n\nChannel 0: Yep. Your portfolio as well, you have you've got your Global Cyber in there. You've got some Gold Holding. Both your portfolios are a little bit different. You've got, rather than a lot of niche little, satellites, you've got more, country exposure.\n\nSo you've got some Europe, Japan, the all world, world, excluding The US, but you've also got your US S and P 500 exposure. So yours is\n\nChannel 1: Yep.\n\nChannel 0: more economy based rather than satellite and niche based. So are you are you happy with your portfolio? Do you wanna have a look at alternatives in relation?\n\nChannel 1: Yeah. You guys are killing\n\nChannel 0: Or\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: It's obviously, like, with the economy at the moment,\n\nChannel 0: Mhmm.\n\nChannel 1: like, we've\n\nChannel 0: Mhmm.\n\nChannel 1: just seen a massive up, but,\n\nChannel 0: Mhmm.\n\nChannel 1: obviously, we're expecting some pretty shitty times\n\nChannel 0: Yeah.\n\nChannel 1: moving\n\nChannel 0: And and\n\nChannel 1: forward. And\n\nChannel 0: well,\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: trying to, like if you can look at things that can perform in a recession,\n\nChannel 0: Yep.\n\nChannel 1: because\n\nChannel 0: Yep.\n\nChannel 1: that's where we're going. Things that you know, common sense things that the world is sort of moving towards that can try and avoid this big bust.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So, like, I got gold there, I see, but, you\n\nChannel 0: Yep.\n\nChannel 1: know, things like, you know, AI investment sort of thing, resources, like, copper's expected to go up. I don't know how that would work. Just, yeah, things that would not tank out or avoid\n\nChannel 0: Yeah.\n\nChannel 1: tanking\n\nChannel 0: Yep.\n\nChannel 1: out during a massive recession because that's where we're headed.\n\nChannel 0: Yeah. Okay. So the next document I've definitely made notes of that, so I'm gonna have a look at that within your portfolio. The next document is probably a really good one. It's called the Vanguard index chart.\n\nIs that what you see?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. So this probably links really well into concerns about recessions and fluctuations or what that's a nice way of saying it. Let's just call it what it is, volatility. So at the\n\nChannel 1: Yeah.\n\nChannel 0: both of you are invested as well, Jake, you're invested as an aggressive risk profile, which means basically, you're happy to have about a 100% of your superannuation invested in the top four. So on the right hand side of the page, you'll see US shares, Australian shares, international, and Australian listed property. They're what we call our growth assets. So your risk profile at the moment says that you're happy to invest a 100% of your superannuation funds within that sector. Now it's\n\nChannel 1: No.\n\nChannel 0: not. Your portfolio is not. You have about 93% of your funds invested in those top across those top four with about\n\nChannel 1: Yep.\n\nChannel 0: seven in defensive assets being your the next two down, bonds and cash. So are you still comfortable taking that approach?\n\nChannel 1: Yep. No. I probably decrease my exposure\n\nChannel 0: Yep.\n\nChannel 1: to my\n\nChannel 0: Yep.\n\nChannel 1: risk given\n\nChannel 0: Yep.\n\nChannel 1: the the assumed volatility coming up.\n\nChannel 0: Mhmm. So in that sense, what I'm gonna do is explain how Tamara is invested, and you can let me know your comfort level with that. Alternatively, we can then also go and complete a risk profile. So, Tamara, you're invested as a high growth investor, which is the step down from Jake. And what\n\nChannel 1: Mhmm.\n\nChannel 0: that means is you would typically have 90% invested in those top 410% invested in the bottom two. Now your portfolio at the moment is literally sitting at ninety ten. So you've got 90%\n\nChannel 1: Yes.\n\nChannel 0: of your funds invested in those top four, which is why which is the growth you've seen. Now when you\n\nChannel 1: Yep.\n\nChannel 0: look at that chart, you'll see that those top four are the most volatile. Along\n\nChannel 1: Yeah.\n\nChannel 0: along the top, just you'll see some black writing. They're events that have occurred in time that have impacted the market, whether it be negatively or positively. And what\n\nChannel 1: Yeah.\n\nChannel 0: this chart is what I like to use this chart when talking to clients is is to show you, yes, events happen, that the market re and how the market reacts to certain events. For example, war, you know, the market can react extremely positively. COVID nineteen, as I'm sure you remember, it tanked miserably.\n\nChannel 1: It's tank. Yeah. The Australian listed stuff hit\n\nChannel 0: Yep.\n\nChannel 1: the worst. It's a really\n\nChannel 0: Yep.\n\nChannel 1: good time to have just bought a house. And, like, basically, anything Australian, but international seemed to fare a little bit better. Like, the dip wasn't as\n\nChannel 0: Yeah.\n\nChannel 1: aggressive.\n\nChannel 0: Exactly. Yep. So what I for from because we're talking about your superannuation, for example, Jake, based on today's legislation, you've got about thirty years until you can access your super. Tamara, you've got about twenty three years. So\n\nChannel 1: Mhmm.\n\nChannel 0: when we talk about your tolerance to risk, we also look at time frame. Now if we consider the fact that you're not able to access for those amount of years that I just suggested, a high growth portfolio, the way you're invested tomorrow, suggests you have to be invested for a minimum of eight years to withstand and ride the wave of market downturns. So given it's your superannuation and you've got limitations as in when you can access it, that's a different scenario if we're talking about personally held investments where you might wanna be a little bit more conservative because\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: Yeah.\n\nChannel 0: you'd be accessing it. So from the, you know, first reward, I like to call it passing the sleep at night test. You know, you don't wanna be having anxiety about the market, but we also probably need to take into consideration that you have significant time on your hand to take risk and ride it out in relation\n\nChannel 1: That's\n\nChannel 0: to your\n\nChannel 1: true.\n\nChannel 0: super. If we were talking about a personally held investment, a different story\n\nChannel 1: Sorry.\n\nChannel 0: because it would be accessible, and it might be short term that you're looking to invest for or, like, with short term goals. And by short term, I do probably mean at least a seven year time frame. But yeah. So I I think based on that, I'd be interested to understand your thoughts on how you'd like your superannuation invested, indication of\n\nChannel 1: My thoughts really haven't changed since the previous one. Like, you guys so you've done quite well with what I've got there. And like you said, I\n\nChannel 0: Yep.\n\nChannel 1: do have I can't access it for twenty three years.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: I suppose\n\nChannel 0: Yep.\n\nChannel 1: if there is a downturn like, I I lived through the two thousand and eight financial crisis. My\n\nChannel 0: Yep.\n\nChannel 1: house didn't\n\nChannel 0: Yep.\n\nChannel 1: go\n\nChannel 0: Yep.\n\nChannel 1: up in value for ten years. Like, I understand.\n\nChannel 0: Mhmm.\n\nChannel 1: It was\n\nChannel 0: Yep.\n\nChannel 1: terrible. Buy\n\nChannel 0: Yep.\n\nChannel 1: a house. But you ride it out.\n\nChannel 0: Yes. And\n\nChannel 1: Mhmm. Buy a house during COVID. Well\n\nChannel 0: yeah. That\n\nChannel 1: Let's get another pandemic.\n\nChannel 0: I so are you happy to maintain a high growth approach tomorrow?\n\nChannel 1: I think so. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: At this stage. I'm not I'm not overly like, what Jake's high risk is because, you know, I am older too. I\n\nChannel 0: Yep.\n\nChannel 1: don't wanna\n\nChannel 0: Yep.\n\nChannel 1: risk too much. At least I\n\nChannel 0: Yep.\n\nChannel 1: have 10% in, you know, more stable\n\nChannel 0: Mhmm.\n\nChannel 1: sort of investment.\n\nChannel 0: Yep. And\n\nChannel 1: So, you\n\nChannel 0: what\n\nChannel 1: know,\n\nChannel 0: about\n\nChannel 1: as\n\nChannel 0: yourself?\n\nChannel 1: long as I\n\nChannel 0: Yep.\n\nChannel 1: Jake wants to probably drop it a bit to my level.\n\nChannel 0: Yeah.\n\nChannel 1: He just said yeah. Yeah. I think so. As long as that makes sense to you. I\n\nChannel 0: Yeah.\n\nChannel 1: mean,\n\nChannel 0: Yeah.\n\nChannel 1: you tell me. But, yeah, I just sort of figure if there there is likely a recessive period coming\n\nChannel 0: Mhmm.\n\nChannel 1: on. I mean, I'll still be pretty risky, but I might drop down to, like, ninety ten, not a 100.\n\nChannel 0: Yeah. Yep. No. That makes sense. And and it's it's also not necessarily about what I think or and it it's your comfort level.\n\nSo if you're given how you're feeling about the future economy and where things are sitting, if you're more comfortable with a ninety ten, I think that that's the right decision to be made for yourself at this time. And, again, we are we're constantly we meet and we talk and we discuss things annually. And if things change, we adjust then or earlier if you if there's something that you need to reach out to us before then.\n\nChannel 1: Yep.\n\nChannel 0: So there's sorry?\n\nChannel 1: Just hang that with Alba Tate. Super.\n\nChannel 0: Yeah. The yeah. Yeah. Right? No.\n\nChannel 1: I don't like that national asset that we use. Like, woah. Woah. Woah. Woah.\n\nWoah. Woah. It's\n\nChannel 0: I\n\nChannel 1: my\n\nChannel 0: think\n\nChannel 1: asset.\n\nChannel 0: that the\n\nChannel 1: I don't know. Get the fuck\n\nChannel 0: I\n\nChannel 1: away from me.\n\nChannel 0: yeah. I think that'd be a big uproar if I tried that, and there'd be some serious consequences there.\n\nChannel 1: But, yeah, I wouldn't say it's more it's not so much my attitude to risk. Like, realistically, I have thirty years. If it dropped fucking twenty, thirty, 40% one year, it's not like I'd shit in the bed about whatever.\n\nChannel 0: Yep.\n\nChannel 1: But I just\n\nChannel 0: Yep.\n\nChannel 1: think it's probably more likely than not that the market will go down. And then I think in the long term, I'll probably end up making more money being slightly more defensive now. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: And you guys sound pretty financially astute. You know, if if a just a question. If the market was to take a turn, what what do you think you would do? Would you sit and wait? Would you\n\nChannel 1: Yeah.\n\nChannel 0: invest\n\nChannel 1: Nothing.\n\nChannel 0: some more?\n\nChannel 1: I don't know. Super to me is, like, that would be great if that pans out when I'm 60\n\nChannel 0: Yep.\n\nChannel 1: and I've got a bunch of money, but it's by no means what I'm, like, relying on. Like, I'm\n\nChannel 0: Yes.\n\nChannel 1: 30. I'm a I'll probably pay this house off in the next year or two. I got that investment property. I kinda see that as my actual defense of, like because the market shit itself, we had a massive downturn.\n\nChannel 0: Yes. Yes.\n\nChannel 1: We both lost our jobs, not that we'd wanted, and we could sell our investment property, pay this one off clear, and not work for fucking two or three years, and it wouldn't\n\nChannel 0: Still\n\nChannel 1: really affect\n\nChannel 0: being\n\nChannel 1: our\n\nChannel 0: financially.\n\nChannel 1: lives. That to me is\n\nChannel 0: Yep.\n\nChannel 1: my thought of, like, actual defense.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. Super is like yeah. In thirty years, wouldn't it be nice if I had an extra fucking million or $2? That'd be awesome. But\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Yep.\n\nChannel 1: not actually conducting it either way, if That makes sense?\n\nChannel 0: Yep.\n\nChannel 1: Like, I'm assuming I'm\n\nChannel 0: It\n\nChannel 1: just\n\nChannel 0: does.\n\nChannel 1: not getting anything. That that's my assumption, and\n\nChannel 0: Well, I don't\n\nChannel 1: I\n\nChannel 0: think\n\nChannel 1: might\n\nChannel 0: you\n\nChannel 1: as\n\nChannel 0: need\n\nChannel 1: well\n\nChannel 0: to assume that, so we'll make sure.\n\nChannel 1: No. Like, you\n\nChannel 0: We'll\n\nChannel 1: know, like, I'm preparing to have you know,\n\nChannel 0: you'll\n\nChannel 1: ideally,\n\nChannel 0: you've got\n\nChannel 1: if I sold this house, I got a million dollars. I can move in the other one when I'm 60,\n\nChannel 0: yeah.\n\nChannel 1: and I\n\nChannel 0: You've\n\nChannel 1: don't\n\nChannel 0: got\n\nChannel 1: need\n\nChannel 0: you've\n\nChannel 1: my\n\nChannel 0: got\n\nChannel 1: sofa.\n\nChannel 0: a\n\nChannel 1: But\n\nChannel 0: backup plan. Yeah. Yep. No. I like that.\n\nOkay. So the next couple of documents are your insurance, just your certificates of currency. So it just shows that they're in fourth, what you're insured for, we've been over those\n\nChannel 1: Yep.\n\nChannel 0: a couple already. So that's just for your information, basically. I'm gonna go away and look at the IP and trauma for you, Jake.\n\nChannel 1: No.\n\nChannel 0: The so after all those certificates of currency, I think there's about four of them,\n\nChannel 1: Yep.\n\nChannel 0: we go into the Oakview services guide. So that's our financial services guide. It tells you who we are, who we're licensed by, that we're licensed with ASIC. So, you know, we tick all the proper boxes,\n\nChannel 1: Yep.\n\nChannel 0: how we provide advice, the type of advice we provide, our general fee structure, and probably the most important part of that document, to be honest with you, is the complaints process. You know, it sure that, you know, it is clear how complaints can be made should you feel that you need to. So that's on\n\nChannel 1: The\n\nChannel 0: the\n\nChannel 1: lovely photo of Connor too. That's definitely my second favorite part. That's why, mate. That's why we go here.\n\nChannel 0: Yeah. No. It's import it's an important document because it does outline, you know, if we do if you feel we do the wrong thing, which I should hope would never be the case, but it is it's there in any case for you to refer to. And\n\nChannel 1: Hello?\n\nChannel 0: and the FSG can also be found on the website if you lose your review pack by any means.\n\nChannel 1: Yep.\n\nChannel 0: The next documents are your ongoing fee arrangement. So this is to continue engaging us as your adviser. So\n\nChannel 1: Yep.\n\nChannel 0: how this\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: have nothing to find.\n\nChannel 0: yep.\n\nChannel 1: Yep.\n\nChannel 0: It it's how it's calculated is on a percent base fee of 1.1. It's discounted because you'll take your client you're you're both clients. You're a couple. Sorry. I'm struggling\n\nChannel 1: Yep.\n\nChannel 0: to get my words out now.\n\nChannel 1: No. You're alright.\n\nChannel 0: So how that will work for yourself, Jake, is that will be deducted monthly at approximately $84 a month, your fee, which is\n\nChannel 1: Yep.\n\nChannel 0: an annual fee of $1,008.\n\nChannel 1: Yep.\n\nChannel 0: Tamara, yours is gonna be higher because you've got a higher balance, and it is a percent based fee. And yours would sit at\n\nChannel 1: Yep.\n\nChannel 0: about a $185.70 a month, deducted monthly from your hub account. What that that provides you, the fee, is our rate our annual reviews, but you're not limited in that respect. So should something come up, say, for example, in, I don't know, six months' time, you've seen the account, and the account says, oh, yeah. Go do your sacrifice. Reach out.\n\nWe'll start that process. If you've got a question about your insurance policies or, you know, one of your mates said to look at this as an investment option, you know, just pick up the phone, give us a call. You're not limited in your contact with us. That's\n\nChannel 1: Yep.\n\nChannel 0: just how the the fee is based.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay. So my current method is just\n\nChannel 0: if\n\nChannel 1: inboxing Connor and trying to get this sorted out for me and get someone to call me.\n\nChannel 0: beautiful. There you go. If it works, it works. So if you are happy to both continue as clients, I ask you to sign those. Not right now,\n\nChannel 1: Yep.\n\nChannel 0: but, you know, when you're comfortable. And then the last document is just for yourself, Tamara. It's a tax file number form, and it's just letting you know that we hold your tax file number on file from a super and insurance perspective. When that was set up, we had to provide those to make sure that your superannuation isn't taxed at a higher rate rather than an Australian tax resident. So it's just acknowledging that we hold that on file for you and that you're comfortable with that.\n\nIf not, don't sign it, and we'll try we'll destroy it. But they're the three forms that we do need signing. So any questions about any of that?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: That's all good.\n\nChannel 0: Yep. Nope. That's okay. Fantastic. Now I just wanted to just briefly before we finish up is I just wanted to run over the goals and objectives that you both had on file with us previously.\n\nI just wanna see if they're still current, if there's a couple of new ones we're gonna look at or that you need us to look at. So, Jake, I'll start with you.\n\nChannel 1: Yep.\n\nChannel 0: You wanted to focus on completing the renovation on the investment property and pay down the remaining loan on your p primary residence. Still on track for that?\n\nChannel 1: Yeah. Renos is done, and we paid off, I don't know, what was it, about $40 off\n\nChannel 0: Yep.\n\nChannel 1: our main mortgage since last we spoke. So yeah.\n\nChannel 0: Yep. Perfect. Sorry. I'm trying to type at the same time. So your retirement goal was in retirement, you'd like to be financial stable and have built enough wealth and investment so you can travel as you please and enjoy your retirement.\n\nStill\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yep.\n\nChannel 1: Yep. That's a very creative word. I can buy it kinda originally.\n\nChannel 0: Do you okay. So to make it a little bit more under not understandable for me, but so I can track things and keep you know, project things out. It's hard to project things out when you said eight years away from retirement, but it gives me a good idea. In retirement, based on today's dollars, how much do you think you will both need to live comfortably if you\n\nChannel 1: 1,000,000,000\n\nChannel 0: if you give\n\nChannel 1: dollars.\n\nChannel 0: it free? No. No. Sorry. Not as a lump sum, as an income.\n\nSo would you want 2,000\n\nChannel 1: Oh,\n\nChannel 0: dollars a week? So you'd be\n\nChannel 1: no.\n\nChannel 0: debt\n\nChannel 1: Probably,\n\nChannel 0: free.\n\nChannel 1: like, a $100 a year. So\n\nChannel 0: A 100\n\nChannel 1: my intention\n\nChannel 0: grand a\n\nChannel 1: would\n\nChannel 0: year?\n\nChannel 1: be that, yeah, that we would sell this place that we live out, our big property, and move into our investment property that's smaller and\n\nChannel 0: Yep.\n\nChannel 1: by\n\nChannel 0: Yep.\n\nChannel 1: the water. And between that and super, I'd sort of hope to have, you know, 1 point something million dollars\n\nChannel 0: Yep.\n\nChannel 1: invested and probably just live on the interest, which is assuming, like, a safe return of anywhere between four and eight taken out 80 to $100,000 a year should be more than comfortable just for like today's money? Yeah. Today's\n\nChannel 0: Yep.\n\nChannel 1: money.\n\nChannel 0: Yep.\n\nChannel 1: Just\n\nChannel 0: And\n\nChannel 1: for\n\nChannel 0: today's\n\nChannel 1: I don't know.\n\nChannel 0: beautiful.\n\nChannel 1: Yeah. Probably\n\nChannel 0: Fantastic.\n\nChannel 1: blow $40 on holidays, buy a fucking wanky four wheel drive on there. Buy my kids inheritance if I have them. So\n\nChannel 0: Hey. I reckon that's that's the plan.\n\nChannel 1: I\n\nChannel 0: That's my plan anyway.\n\nChannel 1: can\n\nChannel 0: So with regards to\n\nChannel 1: panic.\n\nChannel 0: your super, it just says you wanna maintain a high active management within your super fund, aiming for higher returns while you're younger and don't have\n\nChannel 1: Yeah.\n\nChannel 0: children. Yep. Alright.\n\nChannel 1: Yep. Yeah. Pretty much. Well, on the age I am, like, if it drops 50% right now, I don't really see that as much of an issue. Like, I'm gonna be here for thirty more years at least whether I like it or not.\n\nChannel 0: Yep.\n\nChannel 1: But it's not I don't I don't really find that that concerning, so I'd rather sort of push quite a bit. Also, I'm still younger and then taper off as I get older.\n\nChannel 0: Beautiful. And that would be our plan anyway. As you approach retirement, we do start looking at the allocation to growth assets and adjust where needed. Okay. And the last one is you'd like to ensure the assets that you've built are protected if anything was to happen to your current lifestyle and does not change if work wasn't if you're unable to work.\n\nSo that refers to your income protection. So we're gonna look at that\n\nChannel 1: Yes.\n\nChannel 0: to make sure that, you know, that income is there to protect you. Outside of those and the trauma insurance that we're gonna investigate, any\n\nChannel 1: Yep.\n\nChannel 0: other goals there that you're that you're considering?\n\nChannel 1: We'd probably\n\nChannel 0: Or\n\nChannel 1: both like to get, like, a personal share account going. So we're talking about this\n\nChannel 0: Yeah.\n\nChannel 1: and, like, we've got, you know, like, say, a million ish dollars in Equity. Equity, but it's\n\nChannel 0: Property.\n\nChannel 1: pretty much all in our properties. And, like, that's great. And all of them now, I'm sort of starting to feel like, yeah, I might be a bit over leveraged in that. I should start on my own personal share account or gold or something else. Just I I feel like we're a bit too much all eggs in the one basket at the moment.\n\nChannel 0: Yep. So diversify, basically?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So how were you thinking of doing that? Were you thinking of looking at utilizing some equity in your property to borrow and invest and then contribute regularly from your own cash flow? What were your\n\nChannel 1: Probably, yeah, just contributing from, like, cash flow mainly. It sort of depends on what the equity comes\n\nChannel 0: thoughts?\n\nChannel 1: back at for\n\nChannel 0: Yep.\n\nChannel 1: this this other place, which is getting valued.\n\nChannel 0: Yep.\n\nChannel 1: But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, probably more my own contribution.\n\nChannel 0: Yep. And how much were you thinking to\n\nChannel 1: Yeah.\n\nChannel 0: put in? Would\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: don't know. Like, as much as possible. I don't really do, like, a weekly thing. Like I said, I I keep my personal\n\nChannel 0: yep.\n\nChannel 1: account at $10, and then whatever I have over that at the end of the month, I just\n\nChannel 0: Mhmm.\n\nChannel 1: paid all that mortgage at the moment. But if\n\nChannel 0: Yep.\n\nChannel 1: I can make more than like, interest rates are six ten at the moment or whatever they are, like, if I can make sort of eight to 10 in the stock market, then I don't necessarily see that as being that advantageous.\n\nChannel 0: Mhmm. Mhmm. Would you\n\nChannel 1: Especially,\n\nChannel 0: put in a\n\nChannel 1: we're getting\n\nChannel 0: lump\n\nChannel 1: pretty close to being like we got 55 in that offset and the mortgage or 80. Once I get to 80 in savings, then, like, it's not really offsetting anything anymore,\n\nChannel 0: yeah. Exactly. Okay.\n\nChannel 1: which I\n\nChannel 0: So\n\nChannel 1: get\n\nChannel 0: would\n\nChannel 1: pretty close to.\n\nChannel 0: you yeah. Yeah. Would you look at doing an initial investment amount or just a regular amount over time? What were you thinking?\n\nChannel 1: Yeah. Probably investment\n\nChannel 0: Yep. Okay. Typically, how those\n\nChannel 1: over time.\n\nChannel 0: an investment portfolio would start is there is a minimum balance that we would recommend be invested. So depending on whatever platform we use, it might be a $5,000 minimum balance. So that would be your minimum contribution you'd have to make up front. So\n\nChannel 1: Oh,\n\nChannel 0: we'd\n\nChannel 1: yeah.\n\nChannel 0: go\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: fine.\n\nChannel 0: we'd go and look at those sorts of things. So based on that, what what are you both comfortable with being the minimum? Because that would help me to kind of look at what options we have.\n\nChannel 1: Yeah. At least, like, a 5 To 10. To 10 would be fine. Yeah.\n\nChannel 0: Five to 10? Okay.\n\nChannel 1: Yep.\n\nChannel 0: And as on a regular basis, because I know you said you don't do anything regularly, but the benefit of having a regular investment is essentially what you're doing by default is implementing what we call a dollar cost averaging strategy, which means you're buying investments over time. So one month or, for example, you might be buying assets assets when the market's down. So you're buying them at a reduced rate or a discounted rate. Other times, you could be buying at it when the market's high. So by doing a regular investment, you're taking you're taking advantage of potential ups and downs in the market, which helps the growth of your portfolio over the longer term.\n\nSo even though you wouldn't necessarily you've said that you don't do do things regularly or anything like that. What we would do is we would probably recommend that for that purpose to help with the long term growth compounding over time. So based on your cash flow, because you're you guys are the only ones that really know what you can and what you can afford and also what you're comfortable contributing, what would you look at monthly putting into a portfolio\n\nChannel 1: I would say\n\nChannel 0: of\n\nChannel 1: probably\n\nChannel 0: that?\n\nChannel 1: do, like, a monthly minimum of 500, and then I'd probably just split whatever I have over $10 between additionally going to the offset and additional payments to that account,\n\nChannel 0: Yes. So\n\nChannel 1: if\n\nChannel 0: you\n\nChannel 1: that makes sense. Do you know what I mean?\n\nChannel 0: so you'd you'd be comfortable doing, like, a $500, let's just say, direct debit into it, and then you'd make a a monthly contribution with anything left over ad hoc when you see fit?\n\nChannel 1: Yeah. Yeah. Pretty much. Probably\n\nChannel 0: Okay.\n\nChannel 1: do something like that. Probably make sense for us\n\nChannel 0: Okay.\n\nChannel 1: just because\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: No. That\n\nChannel 1: Like, I don't know. I don't know. I'll build this so much\n\nChannel 0: makes\n\nChannel 1: different month to month, depends on the\n\nChannel 0: yeah.\n\nChannel 1: house. Also, our property, like, if we buy something here, a fence is not cheap. Like, we're spending thousands of dollars. We're on acreage.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: And then, also, if if we do overcycle, like, our income almost doubles that month. So\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: Okay.\n\nChannel 1: alright. It's quite it's quite unstable, like, the amount. But, yeah, I would say we all I always put something. Like, as a bare minimum, I put 2.5 or 20\n\nChannel 0: Yep.\n\nChannel 1: $800 into the other account. But, like, last month, I put 5,800 because I whenever I had it, so I did.\n\nChannel 0: Yep. No. That makes sense. So with an investment like that, would you be looking at putting that in joint\n\nChannel 1: Yeah. Yeah. I'll just\n\nChannel 0: name?\n\nChannel 1: put it in\n\nChannel 0: Yep.\n\nChannel 1: joint names.\n\nChannel 0: Yep.\n\nChannel 1: So she has access.\n\nChannel 0: Beautiful.\n\nChannel 1: And, like, if I die, there's no rigmarole waiting, any of that kind of crap. She just has a name\n\nChannel 0: Yep.\n\nChannel 1: on it.\n\nChannel 0: Beautiful.\n\nChannel 1: Wait\n\nChannel 0: Alright.\n\nChannel 1: on it.\n\nChannel 0: Alright. Fantastic. I can definitely look at that. So, Tamara, with yours, yours were to review your super insurances and have them best set up and that they're working well for you, which I think we've achieved, but we'd leave that as a continuous goal to make sure that it stays there.\n\nChannel 1: Yeah.\n\nChannel 0: We actually, on yours, you've said income of 100 per year for retirement. Do you both when do you plan on retiring? What's your thoughts ideally?\n\nChannel 1: I don't know. Ideal. No. Well, ideally, it's as soon as possible.\n\nChannel 0: Yep.\n\nChannel 1: But,\n\nChannel 0: So\n\nChannel 1: like, realistically,\n\nChannel 0: yeah.\n\nChannel 1: we're facing a country where pensions will not be available when we're of age.\n\nChannel 0: Yep.\n\nChannel 1: I don't wanna have to rely on that. So that's that's the big one. Like,\n\nChannel 0: Yeah.\n\nChannel 1: if I can have enough income to pay bills and go on holidays once or twice\n\nChannel 0: Yeah.\n\nChannel 1: a year,\n\nChannel 0: Yep.\n\nChannel 1: You know, that that is the ultimate goal there.\n\nChannel 0: Yep. So given the age gap in between you two, there are lots of strategies that we can do as you get closer to retirement. Ideally, would it be 60, like, tomorrow when you're 60 for retirement, or would it be but\n\nChannel 1: Oh,\n\nChannel 0: yourself 67 and Jake 60? What are you what are you guys thinking? Would you do you obviously wanna retire at the same time? Sounds\n\nChannel 1: no. I wanna sit here for eight years and watch him work. I wanna retire away.\n\nChannel 0: yep.\n\nChannel 1: It's really just as soon as we hit that that comfortable figure, really, that\n\nChannel 0: Yep.\n\nChannel 1: we can no longer work or pursue something that we're both more, you know\n\nChannel 0: Financially, you can achieve it.\n\nChannel 1: yeah. Well, we we can like, I I may still work, but pursue something that I enjoy rather than what I'm chasing for money type thing.\n\nChannel 0: What pays the bills? Yeah. I understand.\n\nChannel 1: Yeah.\n\nChannel 0: Understand. Okay. Alright. Beautiful. We also had your insurances you wanted to review, which you we've done.\n\nSo your income protection and your trauma. So we what we would do now is just continue to maintain that, you know, it's fit for purpose and it meets your goals and objectives. We'd review it each year. You had the same same goal as Jake in respect to complete renovations, get the investment property, and pay down as much debt as possible on your primary residence, and you and you would like to be debt free in retirement.\n\nChannel 1: Absolutely. Yeah.\n\nChannel 0: Yeah. Yep. Beside any yeah. Any any goals and objectives there that we have missed or you think need to be included?\n\nChannel 1: Surplus. Not really. So we we're just starting we're going to start the process for IVF or for embryo\n\nChannel 0: Yep.\n\nChannel 1: freezing\n\nChannel 0: Yep.\n\nChannel 1: or egg retrieval and embryo.\n\nChannel 0: Yep.\n\nChannel 1: So the the the hurdle close, like, close term is whether we can have children. If we can, we can financially sort of maintain because realistically, I may not be able to work for six months to a\n\nChannel 0: Mhmm.\n\nChannel 1: year. I can't do FIFA with children at home.\n\nChannel 0: Mhmm.\n\nChannel 1: So my income will probably substantially drop\n\nChannel 0: Yep.\n\nChannel 1: in that period.\n\nChannel 0: Mhmm.\n\nChannel 1: So it's just getting through that together and having\n\nChannel 0: Yeah.\n\nChannel 1: enough to to live\n\nChannel 0: Yeah.\n\nChannel 1: live on\n\nChannel 0: Yep. Yep.\n\nChannel 1: and\n\nChannel 0: Obviously.\n\nChannel 1: with no\n\nChannel 0: Yep.\n\nChannel 1: pension.\n\nChannel 0: Yeah. Okay. Do you have a time frame where you're thinking of having children?\n\nChannel 1: I would say in two years. So I'm\n\nChannel 0: Yep.\n\nChannel 1: 38 in December.\n\nChannel 0: Yep.\n\nChannel 1: If I do\n\nChannel 0: Beautiful.\n\nChannel 1: the egg retrieval within the next year, it'll be a a reevaluate everything, see where we're at, because\n\nChannel 0: Yeah.\n\nChannel 1: it would be extremely difficult right now with all the bills and us looking out where it's for me to completely stop working and also have children at home.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: there might be things that we need to look at\n\nChannel 0: Yep.\n\nChannel 1: there.\n\nChannel 0: Of course. Yep.\n\nChannel 1: But\n\nChannel 0: Best\n\nChannel 1: if\n\nChannel 0: of\n\nChannel 1: we can't, it's all steam ahead with earning.\n\nChannel 0: luck with yeah. Yeah. Well, best of luck with that. I have two IVF\n\nChannel 1: Thank you.\n\nChannel 0: babies myself. I know the the journey well. So if you ever have any any things\n\nChannel 1: Obviously,\n\nChannel 0: you wanna chat\n\nChannel 1: it was\n\nChannel 0: about,\n\nChannel 1: successful\n\nChannel 0: give me a call.\n\nChannel 1: for for you. So was it\n\nChannel 0: Yes.\n\nChannel 1: may I ask how much it cost you?\n\nChannel 0: Yeah. Of\n\nChannel 1: The\n\nChannel 0: course.\n\nChannel 1: process?\n\nChannel 0: The whole process together, so a whole cycle being egg retrieval, that was about, I think, $12,000 all up, and that included one transfer, and then the transfers were about $3,000 each. So private health covered a little bit of it. Medicare covers a little bit of it, but the\n\nChannel 1: No.\n\nChannel 0: the other side is is that you hit your oh, gosh. It's escaped me. Your Medicare threshold rather quickly. So or so you you tend to get more back from Medicare after your first your first cycle. So I think out of pocket, it was probably about $8,000 after everything.\n\nChannel 1: Oh, that's not too bad. I was I remember horror stories from years ago at being upwards of 20,000 because\n\nChannel 0: Yeah.\n\nChannel 1: I I haven't been you know, you know, I've\n\nChannel 0: Yeah.\n\nChannel 1: only just recently looked into this because I've never\n\nChannel 0: Yeah.\n\nChannel 1: been able to fall pregnant. So, you\n\nChannel 0: Yeah.\n\nChannel 1: know, if it is because I and, like, lucky for you, congratulations, you it works\n\nChannel 0: Yeah.\n\nChannel 1: for you. And a lot of people I know have to go through it three, four times\n\nChannel 0: Yeah. Yeah. Well,\n\nChannel 1: sort of\n\nChannel 0: I went\n\nChannel 1: thing.\n\nChannel 0: through\n\nChannel 1: So\n\nChannel 0: two two cycles, two full\n\nChannel 1: yep.\n\nChannel 0: cycles. The for me, the reason was I had endometriosis pretty bad. That's why I couldn't fall pregnant naturally. But I found that out once I started seeing the specialist, the IVF\n\nChannel 1: Yeah.\n\nChannel 0: specialist.\n\nChannel 1: Okay.\n\nChannel 0: So there's lots of reasons. And if you have a good one, they can give you a pretty good idea once they've found out what the issue is\n\nChannel 1: It's\n\nChannel 0: as\n\nChannel 1: a bizarre\n\nChannel 0: to\n\nChannel 1: it's a bizarre one for me because I went in and I I had the scans and everything, and I had normal ovaries. I have a\n\nChannel 0: yep.\n\nChannel 1: spot on cycle.\n\nChannel 0: Yep.\n\nChannel 1: I do get pain, but I don't have children. So, you know, mom had period pain. But\n\nChannel 0: Yeah.\n\nChannel 1: I just have\n\nChannel 0: Yeah.\n\nChannel 1: never been able to fall pregnant, and I think it's because I've got a overactive thyroid or used to.\n\nChannel 0: Okay.\n\nChannel 1: And it's just yeah. One of my mom's sisters just never fell pregnant. She adopted\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: two back in the day. So I don't I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: It's a weird family\n\nChannel 0: You're probably\n\nChannel 1: thing\n\nChannel 0: you're probably fine. There's a reason.\n\nChannel 1: or\n\nChannel 0: I didn't know anything about\n\nChannel 1: what.\n\nChannel 0: endometriosis until I was\n\nChannel 1: Did you have a lot of pain or any\n\nChannel 0: yes. Yes.\n\nChannel 1: yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Still do,\n\nChannel 1: That's\n\nChannel 0: but\n\nChannel 1: usually the the telltale is the pain, and\n\nChannel 0: yes.\n\nChannel 1: I'm shit for about two days every month.\n\nChannel 0: Yep. Yep. Yep. And and, unfortunately, the thing with that is is they can't see it on a scan. The only way they actually see it is through what they call a laparoscopy.\n\nSo, basically, they're going through your belly with a little camera, general anesthetic, and that's when they can properly\n\nChannel 1: I can see\n\nChannel 0: diagnose it, and they remove it all at that time. So\n\nChannel 1: it.\n\nChannel 0: I ended\n\nChannel 1: Oh,\n\nChannel 0: up having\n\nChannel 1: wow.\n\nChannel 0: both my tubes removed because I I had it that bad.\n\nChannel 1: Oh, wow.\n\nChannel 0: So yeah. And mine mine I remember my mom when we were younger suffering from pretty much the same things I suffered from, but she wasn't aware what it was back then.\n\nChannel 1: Were\n\nChannel 0: So\n\nChannel 1: your cycles normal?\n\nChannel 0: yep.\n\nChannel 1: Sorry\n\nChannel 0: Yep.\n\nChannel 1: if I'm going too deep, but\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: No. I'm happy to share because, you know, my my experience is that I had no idea, and I wish\n\nChannel 1: yeah.\n\nChannel 0: there was more information and education for girls. Because if\n\nChannel 1: Yeah.\n\nChannel 0: I had have known that that was something, I probably would have been onto it a lot earlier.\n\nChannel 1: Yeah. Well, that's the big thing for me too. Like, I feel this genetics test that I was waiting on for the cancer\n\nChannel 0: Yep.\n\nChannel 1: because, obviously, BRCA the BRCA\n\nChannel 0: Yes.\n\nChannel 1: gene is lone receptive or generally with fluctuations in hormones triggers cancer.\n\nChannel 0: Yes.\n\nChannel 1: And the OBG didn't wanna proceed until I had the all clear for that. That was a bit of\n\nChannel 0: Of\n\nChannel 1: a nerve\n\nChannel 0: course.\n\nChannel 1: wracking time because if, you know, if I had have been positive\n\nChannel 0: Yep.\n\nChannel 1: for the BRCA gene, they would have just hysterectomy, get it all\n\nChannel 0: Yep.\n\nChannel 1: out, do it now before you get cancer. So that was\n\nChannel 0: Yeah.\n\nChannel 1: a massive\n\nChannel 0: Yep.\n\nChannel 1: relief. That\n\nChannel 0: Yep.\n\nChannel 1: was huge relief, but\n\nChannel 0: Yes. Thank gosh.\n\nChannel 1: now let's go.\n\nChannel 0: Yeah. You you've you'll be surprised. There will be a reason. And, you know, I've when I knew nothing about it. And then all of a sudden, out of nowhere, I think probably my sister-in-law ended up having to have IVF because she had endometriosis.\n\nOne of a couple of my work colleagues, it's\n\nChannel 1: Yeah.\n\nChannel 0: so, so common. And we just they just there's no way to diagnose it without having a without the doctors actually going in and having a look, unfortunately.\n\nChannel 1: Did they investigate that once you started your IVF process, or was that something you've\n\nChannel 0: The\n\nChannel 1: received\n\nChannel 0: sore?\n\nChannel 1: prior to that?\n\nChannel 0: No. Nope. That was during the whole IVF process. So when I went and saw the IVF doctor, the first thing that they wanted to do was go in and have a quick squeeze to see what was going on because my scans weren't really providing any information. I had a bunch of\n\nChannel 1: Yeah.\n\nChannel 0: blood tests done to make sure, you know, they check for\n\nChannel 1: Hormones and everything.\n\nChannel 0: yep. They\n\nChannel 1: Yep.\n\nChannel 0: check your\n\nChannel 1: They\n\nChannel 0: and quality as well somehow through your blood, but I know how they do that, but they do.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Magic.\n\nChannel 0: And then\n\nChannel 1: Texas like magic. Idiot.\n\nChannel 0: yeah. Yep. So the very first thing we did before we even started a IVF cycle, so you're growing your eggs and retrieving them, was the laparoscopy where they went in, and that's when like, he said to me from my just conversation with him was that more than likely, I will be having a tube removed at a minimum just based on the information I gave him, and they ended up removing a fair bit of endo. And, then\n\nChannel 1: Did\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: went\n\nChannel 1: help\n\nChannel 0: straight\n\nChannel 1: once\n\nChannel 0: in\n\nChannel 1: they've removed? Yeah.\n\nChannel 0: yep. I went straight into a cycle the next\n\nChannel 1: Yeah.\n\nChannel 0: month, and I fell pregnant the first time around because my insides were nice and clean and suitable for a little baby. But my next one\n\nChannel 1: Awesome.\n\nChannel 0: my next one, I had a little bit more. I think we went through a full cycle, and we ended up my Jaxi was probably the second last embryo we had left.\n\nChannel 1: Yeah.\n\nChannel 0: And I think we went through three three transfers before we got Jack's and another full cycle of egg retrievals.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: How was that process? Sorry. I'm I'm very\n\nChannel 0: no,\n\nChannel 1: I I haven't spoken to many people\n\nChannel 0: I\n\nChannel 1: about\n\nChannel 0: am\n\nChannel 1: it.\n\nChannel 0: so happy I'm so happy to share. It is it is really taxing emotionally just because of the hormones. Jake,\n\nChannel 1: Jake's\n\nChannel 0: you have\n\nChannel 1: gotta\n\nChannel 0: to be\n\nChannel 1: move out for\n\nChannel 0: extremely\n\nChannel 1: a month.\n\nChannel 0: no, Jake. You've gotta be extremely quiet and supportive, and don't argue about anything. It does\n\nChannel 1: I'm the\n\nChannel 0: it\n\nChannel 1: arguer. I'm not gonna lock\n\nChannel 0: it\n\nChannel 1: the guns up. I just this is he's gonna lock the guns up.\n\nChannel 0: It it does\n\nChannel 1: Oh, sorry.\n\nChannel 0: it\n\nChannel 1: I just\n\nChannel 0: does.\n\nChannel 1: got a quick call I gotta take. I'll give you over to Jake.\n\nChannel 0: No. You're\n\nChannel 1: Sorry.\n\nChannel 0: you're absolutely fine.\n\nChannel 1: Hey. Sorry. I'm back.\n\nChannel 0: No.\n\nChannel 1: Thank you\n\nChannel 0: You're\n\nChannel 1: for\n\nChannel 0: absolutely\n\nChannel 1: sharing all\n\nChannel 0: fine.\n\nChannel 1: that with us. It's very, very much\n\nChannel 0: No.\n\nChannel 1: appreciated that because, yeah, we don't really we don't know anyone down here and certainly no one that's gone through IVF.\n\nChannel 0: Yeah. No. I'm always happy to have a chat about that. So let tomorrow know if she ever needs needs a chat or, you know, you see the doctor and you wanna share your thoughts and what they've said, I'm always happy to have a chat about that. It's\n\nChannel 1: That's awesome. Really. We\n\nChannel 0: it's\n\nChannel 1: really we both really appreciate that. Thank you.\n\nChannel 0: yeah. It's really it's a it's a hard road to go down, but as long as you're both on the same team and support each other, it's so much easier.\n\nChannel 1: Yeah. No. I'm looking forward to it, like, where\n\nChannel 0: Yeah.\n\nChannel 1: get it to me if we could.\n\nChannel 0: Yeah. Yep. No. I'm sure you guys will absolutely have a positive result. It's just\n\nChannel 1: We\n\nChannel 0: it's the the road you gotta navigate just to get to there. It can be a little bit\n\nChannel 1: have an\n\nChannel 0: deflating\n\nChannel 1: ordeal?\n\nChannel 0: at times. Yeah. And, you know,\n\nChannel 1: We've been waiting\n\nChannel 0: I don't\n\nChannel 1: so\n\nChannel 0: know.\n\nChannel 1: far. Like, we first went two years ago, and, obviously, there's been an excessive waiting, but but\n\nChannel 0: Yeah.\n\nChannel 1: nothing's been done yet. I mean, it's been two years ago. Do something\n\nChannel 0: Yeah.\n\nChannel 1: already.\n\nChannel 0: Yeah.\n\nChannel 1: Come on, man. Hurry up.\n\nChannel 0: I would I would definitely ask them to do well, if there are any any decent, they'd do some investigating before you even started because, otherwise, what's the point of wasting all that money if, you know, the the body is not able to hold the little embryo. So yeah. But if you're just doing an egg retrieval cycle, that's different. I mean, you don't necessarily need to know about endometriosis until you do the transfer.\n\nChannel 1: Yeah. I think you\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I've made\n\nChannel 0: always\n\nChannel 1: the running joke, and it would be funny if we did all this genetic testing because we end up paying for it out of pocket because\n\nChannel 0: yep.\n\nChannel 1: anyway, whenever we just had to pay for it, then we did\n\nChannel 0: Yep.\n\nChannel 1: all of this, and then it turns out I was there all the time. It was just been a running joke. Like, we jumped through hoops to pay for ourselves, and we finally get the checking of my foot off. They're like, oh, you know, sterile the whole time. What a fucking waste of time.\n\nChannel 0: No. No.\n\nChannel 1: No. I'm\n\nChannel 0: They'll\n\nChannel 1: sure it'll\n\nChannel 0: test\n\nChannel 1: all be\n\nChannel 0: all\n\nChannel 1: fine.\n\nChannel 0: that too.\n\nChannel 1: Hey. I'll be\n\nChannel 0: They'll test\n\nChannel 1: so mad.\n\nChannel 0: all that for you too.\n\nChannel 1: I mean, I'm not doing that. Why don't we do this first, you fucking asshole? I could\n\nChannel 0: Yeah.\n\nChannel 1: do all this shit beforehand.\n\nChannel 0: Exactly. Oh, well, I hope everything goes well. I'm very excited to hear how you go.\n\nChannel 1: Thank you.\n\nChannel 0: Do you have a doctor down there that you you're seeing?\n\nChannel 1: Yeah. Yeah. It was doctor\n\nChannel 0: Yep.\n\nChannel 1: Ben, his last name. He's Indian fellow. Lovely guy. I can't for the life\n\nChannel 0: Yeah.\n\nChannel 1: of me say his last name. I'd say\n\nChannel 0: Yep.\n\nChannel 1: just Ben to me.\n\nChannel 0: Yep. Fair enough. Fair enough. Well, I I really look forward to hearing how you guys go.\n\nChannel 1: Thank you.\n\nChannel 0: And, also, please tell Tamara if she I know it's a pretty lonely road.\n\nChannel 1: Just\n\nChannel 0: When I\n\nChannel 1: back\n\nChannel 0: did\n\nChannel 1: to\n\nChannel 0: it,\n\nChannel 1: me\n\nChannel 0: I\n\nChannel 1: there.\n\nChannel 0: didn't\n\nChannel 1: Thank you for the information. I appreciate\n\nChannel 0: oh,\n\nChannel 1: you\n\nChannel 0: no. That's okay.\n\nChannel 1: telling me stuff about\n\nChannel 0: I\n\nChannel 1: it because, you know, the doctor's just like, yeah. We'll just go in and get your\n\nChannel 0: was\n\nChannel 1: eggs, and then we'll\n\nChannel 0: yep.\n\nChannel 1: we'll fertilize\n\nChannel 0: Yep.\n\nChannel 1: them. And then, you know, you you will have some, and then we'll put them in. I'm like, cool. I know that.\n\nChannel 0: Yep. Yep. Yeah. So\n\nChannel 1: Tell\n\nChannel 0: as\n\nChannel 1: me\n\nChannel 0: I\n\nChannel 1: more.\n\nChannel 0: was just saying to Jake was, if you're just doing the egg retrieval and freezing, the laparoscopy is not probably really urgent. But before you do a transfer, definitely have\n\nChannel 1: Yeah.\n\nChannel 0: the insides\n\nChannel 1: That's\n\nChannel 0: looked out because otherwise, it won't it won't stick, basically,\n\nChannel 1: mhmm. Yeah.\n\nChannel 0: and\n\nChannel 1: Okay.\n\nChannel 0: it sucks.\n\nChannel 1: Yeah. I heard that a lot of women struggle through the egg retrieval process because the hormones are just so\n\nChannel 0: Mhmm.\n\nChannel 1: bad, and and you struggle a bit,\n\nChannel 0: Yeah.\n\nChannel 1: but it\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Be\n\nChannel 1: I\n\nChannel 0: prepared\n\nChannel 1: know what it's\n\nChannel 0: to put\n\nChannel 1: like\n\nChannel 0: on\n\nChannel 1: to\n\nChannel 0: some\n\nChannel 1: have\n\nChannel 0: weight.\n\nChannel 1: PMS in it.\n\nChannel 0: Yeah.\n\nChannel 1: I imagine that's 10 times worse. Everything's\n\nChannel 0: I\n\nChannel 1: emotional.\n\nChannel 0: yeah. Definitely, everything's emotional. Probably prepared to put on some weight. Like, the the hormones really do mess with you. Weight, I know everyone that I've spoken to does not significantly, but you'll feel a lot more bloated and look a lot more bloated than you probably generally are.\n\nAnd, yeah, I mean, it's just it'll go back it'll go back to normal, but you will feel very, very bloated.\n\nChannel 1: So is it, like, an injection once a day for a month or something and then they go in? Or\n\nChannel 0: Yeah. It depends. So depending on what drugs they decide you need or hormones, it can be a couple of different injections a day, one injection a day for a period of two weeks, and then it will change for a to a different one. So they'll give you a schedule and a run sheet basically that with all your drugs and a needle box to take home. And yeah.\n\nYeah. But most of them you know, like an EpiPen?\n\nChannel 1: Yeah.\n\nChannel 0: Most\n\nChannel 1: Yeah.\n\nChannel 0: of them most of them are like that these days. I think I only had one that I was an actual injection needle during the egg retrieval phase. But, again, that was a little while seven to ten years ago now for my two, so things have probably changed a lot since then as well.\n\nChannel 1: Yeah. Coming.\n\nChannel 0: It's probably easier with in respect to the the administration of the hormones. So definitely worthwhile doing. But, yeah, I'm as I was just saying to Jake, if if he's got any questions or you're not sure of anything or you just want someone to talk to that's been through it, I'm happy to sit here and have a chat.\n\nChannel 1: No. Thank you. Thanks for being forward with it too. It's\n\nChannel 0: Yeah.\n\nChannel 1: nice\n\nChannel 0: Absolutely.\n\nChannel 1: nice to hear of other people's experiences before you kinda step in it blind\n\nChannel 0: Yes.\n\nChannel 1: because, you know,\n\nChannel 0: It is.\n\nChannel 1: now my\n\nChannel 0: Yeah.\n\nChannel 1: sister\n\nChannel 0: It\n\nChannel 1: had\n\nChannel 0: is\n\nChannel 1: hers\n\nChannel 0: scary.\n\nChannel 1: naturally, my other sister, and my mother struggled to fall pregnant but did. And\n\nChannel 0: Yep.\n\nChannel 1: I've just\n\nChannel 0: Yep.\n\nChannel 1: I've not even had a scare my entire\n\nChannel 0: Yeah.\n\nChannel 1: life. You know, it's like, oh, okay. Well, something's going on there.\n\nChannel 0: Yeah. Yeah. Both my sisters have fallen pregnant naturally, but not me, so I understand that.\n\nChannel 1: Are you the third child?\n\nChannel 0: No. I'm the first.\n\nChannel 1: Oh.\n\nChannel 0: They're the youngest. So yeah. So, yeah, they they were fine. But in saying that as well, I was older. When I had mine, they were younger, so that might\n\nChannel 1: Yeah.\n\nChannel 0: have had something to do with it as well.\n\nChannel 1: Yeah. My sister was, like, 21 when she fell.\n\nChannel 0: Yeah. Yeah. Yep. So\n\nChannel 1: My mom was older when she fell pregnant, so she\n\nChannel 0: Yeah.\n\nChannel 1: she had her first at 26 and her last at 41.\n\nChannel 0: Yeah. Yeah. Okay. Yeah. So, yeah, I think you'll get you'll definitely get some information from your doctor, and they'll be able to help you\n\nChannel 1: Yeah.\n\nChannel 0: navigate\n\nChannel 1: Yeah.\n\nChannel 0: what's going on\n\nChannel 1: It\n\nChannel 0: and how you can\n\nChannel 1: reminded me now to send those\n\nChannel 0: do\n\nChannel 1: details\n\nChannel 0: it.\n\nChannel 1: through them because I haven't done that yet.\n\nChannel 0: Yes. You must do that.\n\nChannel 1: Damn.\n\nChannel 0: Alright. Well, do you have any questions for me from an advice perspective at the moment?\n\nChannel 1: I have one, which I probably\n\nChannel 0: Yes.\n\nChannel 1: jumped with the gun by about twenty years here. But\n\nChannel 0: No.\n\nChannel 1: when given, like, the difference in age between the expired, obviously, they're gonna access her super before May.\n\nChannel 0: Mhmm.\n\nChannel 1: When\n\nChannel 0: Mhmm.\n\nChannel 1: we get close to that age, is there a way to, like, join super accounts and effectively, like, sneak getting access to my super by rolling it into hers or you you know what I'm trying to get at?\n\nChannel 0: Yes. I do. Unfortunately, no. The reason being\n\nChannel 1: Fuck.\n\nChannel 0: is you wouldn't have reached your preservation age yet. So what you're thinking of is probably something where we would maximize age pension if it was there, where we would roll if Tamara was at age pension age, we would roll cash out her super and look at contributing it to yours and sheltering it in yours because it wouldn't be assessable by Centrelink until you reach the age pension age. So that's one way. And by then, you would have reached preservation age so you could access your super through ad hoc withdrawals, etcetera. But that's one way to maximize age pension for a period of time until you reach age pension Now we would just investigate that as we got closer, and that's what I was referring to given the age gap between the two of you.\n\nThere are\n\nChannel 1: Yeah.\n\nChannel 0: for retirement purposes. And as we get closer to that, there are things that we can do. But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date. So we'd leave yours\n\nChannel 1: Yeah.\n\nChannel 0: invested and growing, and yours would kick in at a later date and substitute\n\nChannel 1: What have\n\nChannel 0: than\n\nChannel 1: we\n\nChannel 0: tomorrow's.\n\nChannel 1: spent down the other one?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. So so\n\nChannel 0: So\n\nChannel 1: you\n\nChannel 0: there's\n\nChannel 1: can\n\nChannel 0: things\n\nChannel 1: do the opposite and avoid having super early so you can get an age pension, but you can't really give her my super and get access to it earlier. Like, we're hoping,\n\nChannel 0: yeah. Because\n\nChannel 1: you\n\nChannel 0: you\n\nChannel 1: know, like, if everything keeps tracking the way it tracks, by the time tomorrow is 60,\n\nChannel 0: can't\n\nChannel 1: we\n\nChannel 0: yeah.\n\nChannel 1: don't have both these places outright, having a bit of personal shares, and, you know, each have a million dollars in super. And, you know, well, I don't need to work anymore. Even\n\nChannel 0: Yep.\n\nChannel 1: though I'm only 53, say, or whatever\n\nChannel 0: Yep.\n\nChannel 1: the fuck. Yeah. Is that right? 60 or two? Yeah.\n\n50\n\nChannel 0: Yep.\n\nChannel 1: three. I don't know. I don't actually need to work. I\n\nChannel 0: Yep.\n\nChannel 1: don't I don't wanna avoid I'm not trying to get more pension. Do quite the opposite. I'm trying to just fund fucking leave\n\nChannel 0: Yep.\n\nChannel 1: me\n\nChannel 0: Yeah. Yeah. Well, it's always, you know, at the end of the day, if if it's still around then\n\nChannel 1: alone.\n\nChannel 0: and things like that, there's strategies that we can use to avoid drawing on your super and using your personal wealth. So, you know, I always terrible to say, but, you know, free money for a period of time if you can\n\nChannel 1: Yeah.\n\nChannel 0: get\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: mean\n\nChannel 0: to\n\nChannel 1: okay.\n\nChannel 0: supplement\n\nChannel 1: No\n\nChannel 0: your\n\nChannel 1: tax.\n\nChannel 0: income.\n\nChannel 1: I'll definitely take it if it exists. I'm just\n\nChannel 0: Yeah.\n\nChannel 1: not that confident\n\nChannel 0: Exactly.\n\nChannel 1: that it will.\n\nChannel 0: Yeah. So they're they're just things we keep an eye on over over time, and they're not things that we need to consider now. But as retirement approaches, we'd definitely be looking at those type of different type of strategies that would benefit you both in the lead up to retirement.\n\nChannel 1: Yep. Cool. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I just thought I'd ask because I yeah. I have no idea how that works. Obviously, no one here being old enough to access it, but we sort of\n\nChannel 0: No.\n\nChannel 1: ask.\n\nChannel 0: That's\n\nChannel 1: Yeah. It works.\n\nChannel 0: no.\n\nChannel 1: But, yeah, that was bad,\n\nChannel 0: Ab\n\nChannel 1: really.\n\nChannel 0: absolutely fine. Alright. Beautiful. And are you both happy with annual reviews,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: or\n\nChannel 1: Yeah.\n\nChannel 0: would you like yeah. Yeah? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: And you're\n\nChannel 0: And\n\nChannel 1: fine.\n\nChannel 0: as I said, any questions in the meantime between now, your next review? My job from here is I'm going away to do some homework, some research on insurance investments, and then I am gonna one of our team will reach back out to you in about two weeks to book in a time for a second meeting, which we will\n\nChannel 1: Yep.\n\nChannel 0: accommodate when you guys are off swing at home and present the advice to make the changes that we're gonna look at.\n\nChannel 1: Yep. Sorry. We also need a copy of tomorrow's genetics thing just to see if the insurance can cover it\n\nChannel 0: Absolutely.\n\nChannel 1: now. I'm not sure if she I'm through that with\n\nChannel 0: Send\n\nChannel 1: you or\n\nChannel 0: it\n\nChannel 1: not?\n\nChannel 0: through to\n\nChannel 1: Ma'am?\n\nChannel 0: me. Absolutely. I one of my action items is to check with the insurer\n\nChannel 1: Yes.\n\nChannel 0: whether\n\nChannel 1: Beautiful.\n\nChannel 0: they will consider removing the exclusion. But, yeah, send it through to me, and we'll see what they say. And then, additionally, you know, we might be able to say to another insurance see if there's another insurance company that wouldn't apply an exclusion based on\n\nChannel 1: Yeah.\n\nChannel 0: the fact that\n\nChannel 1: Cool.\n\nChannel 0: you've had the genetic test. So,\n\nChannel 1: Awesome.\n\nChannel 0: yeah, send it through to me, and we'll go from there.\n\nChannel 1: Awesome. Thank you. Appreciate it.\n\nChannel 0: No worries. I'll speak to you both soon, and enjoy the rest of your day.\n\nChannel 1: Alright. Thank you. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.019143138080835342}],"sentiment":"neutral","sentiment_score":0.019143138080835342,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hi.","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.0468728132545948},{"text":"Is this Jake?","start":2.3999999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.043301514039436974}],"sentiment":"neutral","sentiment_score":0.04419433884322643,"channel":0,"num_words":4,"start":2.08,"end":3.3799999},{"sentences":[{"text":"It sure is.","start":3.76,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1826936900615692}],"sentiment":"neutral","sentiment_score":0.1826936900615692,"channel":1,"num_words":3,"start":3.76,"end":4.8199997},{"sentences":[{"text":"Hi, Jake.","start":5.44,"end":6.0,"sentiment":"neutral","sentiment_score":0.17518407106399536},{"text":"It's Jenna here phoning from Oakview Financial.","start":6.0,"end":8.16,"sentiment":"neutral","sentiment_score":0.16191919573715755},{"text":"How are you today?","start":8.16,"end":9.139999,"sentiment":"neutral","sentiment_score":0.207460455596447}],"sentiment":"neutral","sentiment_score":0.17797264112876013,"channel":0,"num_words":13,"start":5.44,"end":9.139999},{"sentences":[{"text":"I'm good.","start":9.44,"end":10.0,"sentiment":"positive","sentiment_score":0.4935276210308075},{"text":"Thanks.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.6584234833717346}],"sentiment":"positive","sentiment_score":0.5484929084777832,"channel":1,"num_words":3,"start":9.44,"end":10.5},{"sentences":[{"text":"That's good.","start":11.44,"end":12.42,"sentiment":"positive","sentiment_score":0.5543657541275024},{"text":"Just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.28,"end":17.965,"sentiment":"neutral","sentiment_score":0.0443608360769956},{"text":"Is that okay?","start":17.965,"end":18.865,"sentiment":"neutral","sentiment_score":0.05649142091472944}],"sentiment":"neutral","sentiment_score":0.08208946431321758,"channel":0,"num_words":28,"start":11.44,"end":18.865},{"sentences":[{"text":"Yep.","start":19.215,"end":19.695,"sentiment":"neutral","sentiment_score":0.0817699134349823},{"text":"That's fine.","start":19.695,"end":20.515,"sentiment":"neutral","sentiment_score":0.22039973735809326}],"sentiment":"neutral","sentiment_score":0.17418979605038962,"channel":1,"num_words":3,"start":19.215,"end":20.515},{"sentences":[{"text":"Beautiful.","start":20.845001,"end":21.345001,"sentiment":"positive","sentiment_score":0.5282065868377686},{"text":"And I just for security purposes, just get you to confirm your full name and date of birth and address,","start":21.485,"end":26.865,"sentiment":"neutral","sentiment_score":0.11415156610310077}],"sentiment":"neutral","sentiment_score":0.13386847185237066,"channel":0,"num_words":21,"start":20.845001,"end":26.865},{"sentences":[{"text":"My full name is Jake Anthony George Simpkins.","start":27.83,"end":30.33,"sentiment":"neutral","sentiment_score":0.06361428694799542},{"text":"My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh.","start":30.79,"end":38.33,"sentiment":"neutral","sentiment_score":0.07098446724315484}],"sentiment":"neutral","sentiment_score":0.06871671946002887,"channel":1,"num_words":26,"start":27.83,"end":38.33},{"sentences":[{"text":"please.","start":38.7,"end":39.2,"sentiment":"neutral","sentiment_score":0.1546558141708374},{"text":"Fantastic.","start":39.42,"end":39.92,"sentiment":"positive","sentiment_score":0.5673409700393677},{"text":"I'm phoning today to complete your annual review.","start":40.915,"end":43.795,"sentiment":"neutral","sentiment_score":0.23519969172775745},{"text":"Do you still have time for that?","start":43.795,"end":45.495,"sentiment":"neutral","sentiment_score":0.0958343893289566}],"sentiment":"neutral","sentiment_score":0.19261382607852712,"channel":0,"num_words":17,"start":38.7,"end":45.495},{"sentences":[{"text":"Yeah.","start":45.605,"end":46.004997,"sentiment":"neutral","sentiment_score":0.0465756393969059},{"text":"Yep.","start":46.004997,"end":46.245,"sentiment":"neutral","sentiment_score":0.0314406082034111},{"text":"Yep.","start":46.245,"end":46.484997,"sentiment":"neutral","sentiment_score":0.021465767174959183},{"text":"I got","start":46.484997,"end":46.805,"sentiment":"neutral","sentiment_score":-0.011634767055511475}],"sentiment":"neutral","sentiment_score":0.015242496132850647,"channel":1,"num_words":5,"start":45.605,"end":46.805},{"sentences":[{"text":"Yep.","start":46.675,"end":47.175,"sentiment":"neutral","sentiment_score":-0.01978297345340252}],"sentiment":"neutral","sentiment_score":-0.01978297345340252,"channel":0,"num_words":1,"start":46.675,"end":47.175},{"sentences":[{"text":"a problem.","start":46.805,"end":47.385,"sentiment":"neutral","sentiment_score":-0.08006345108151436}],"sentiment":"neutral","sentiment_score":-0.08006345108151436,"channel":1,"num_words":2,"start":46.805,"end":47.385},{"sentences":[{"text":"And is Tamara with you?","start":47.555,"end":49.175,"sentiment":"neutral","sentiment_score":-0.033646488934755324}],"sentiment":"neutral","sentiment_score":-0.033646488934755324,"channel":0,"num_words":5,"start":47.555,"end":49.175},{"sentences":[{"text":"If she is, I'll just go grab her.","start":49.605,"end":52.105,"sentiment":"neutral","sentiment_score":-0.030138730769976974}],"sentiment":"neutral","sentiment_score":-0.030138730769976974,"channel":1,"num_words":8,"start":49.605,"end":52.105},{"sentences":[{"text":"Yeah.","start":52.355,"end":52.675,"sentiment":"neutral","sentiment_score":0.013883537612855434},{"text":"I'll and I'll just ID Tamara when she gets","start":52.675,"end":54.82,"sentiment":"neutral","sentiment_score":0.005730493615070979}],"sentiment":"neutral","sentiment_score":0.006545798014849424,"channel":0,"num_words":10,"start":52.355,"end":54.82},{"sentences":[{"text":"She's","start":54.725,"end":54.964996,"sentiment":"neutral","sentiment_score":-0.003331078216433525}],"sentiment":"neutral","sentiment_score":-0.003331078216433525,"channel":1,"num_words":1,"start":54.725,"end":54.964996},{"sentences":[{"text":"on the","start":54.82,"end":55.14,"sentiment":"neutral","sentiment_score":-0.004804893396794796}],"sentiment":"neutral","sentiment_score":-0.004804893396794796,"channel":0,"num_words":2,"start":54.82,"end":55.14},{"sentences":[{"text":"it.","start":54.964996,"end":55.464996,"sentiment":"neutral","sentiment_score":-0.0023895492777228355}],"sentiment":"neutral","sentiment_score":-0.0023895492777228355,"channel":1,"num_words":1,"start":54.964996,"end":55.464996},{"sentences":[{"text":"phone too.","start":55.14,"end":55.859997,"sentiment":"neutral","sentiment_score":0.0047344034537673005},{"text":"Yeah?","start":55.859997,"end":56.339996,"sentiment":"neutral","sentiment_score":0.04693581163883209},{"text":"Beautiful.","start":56.339996,"end":56.839996,"sentiment":"neutral","sentiment_score":0.22464153170585632},{"text":"Hi, 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alternatives.","start":2066.855,"end":2089.445,"sentiment":"neutral","sentiment_score":0.12489267345517874}],"sentiment":"neutral","sentiment_score":0.12489267345517874,"channel":0,"num_words":32,"start":2066.855,"end":2089.445},{"sentences":[{"text":"Yep.","start":2091.255,"end":2091.755,"sentiment":"neutral","sentiment_score":0.05270908400416374}],"sentiment":"neutral","sentiment_score":0.05270908400416374,"channel":1,"num_words":1,"start":2091.255,"end":2091.755},{"sentences":[{"text":"Yep.","start":2092.225,"end":2092.725,"sentiment":"neutral","sentiment_score":0.05430200695991516},{"text":"The next document is yours, Tamara, with performance.","start":2094.385,"end":2097.2852,"sentiment":"neutral","sentiment_score":0.04022453352808952},{"text":"So you do not hold the panel 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to, like if you can look at things that can perform in a 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going.","start":2239.9148,"end":2241.055,"sentiment":"neutral","sentiment_score":0.05310557223856449},{"text":"Things that you know, common sense things that the world is sort of moving towards that can try and avoid this big bust.","start":2242.075,"end":2252.1748,"sentiment":"neutral","sentiment_score":-0.053168705300144524}],"sentiment":"neutral","sentiment_score":-0.03742436788700245,"channel":1,"num_words":27,"start":2239.9148,"end":2252.1748},{"sentences":[{"text":"Yeah.","start":2252.8901,"end":2253.225,"sentiment":"neutral","sentiment_score":0.022148991003632545},{"text":"Yep.","start":2253.625,"end":2254.125,"sentiment":"neutral","sentiment_score":0.019434865564107895}],"sentiment":"neutral","sentiment_score":0.02079192828387022,"channel":0,"num_words":2,"start":2252.8901,"end":2254.125},{"sentences":[{"text":"So, like, I got gold there, I see, but, you","start":2255.29,"end":2261.39,"sentiment":"neutral","sentiment_score":0.008903874456882477}],"sentiment":"neutral","sentiment_score":0.008903874456882477,"channel":1,"num_words":10,"start":2255.29,"end":2261.39},{"sentences":[{"text":"Yep.","start":2260.905,"end":2261.405,"sentiment":"neutral","sentiment_score":0.003314182162284851}],"sentiment":"neutral","sentiment_score":0.003314182162284851,"channel":0,"num_words":1,"start":2260.905,"end":2261.405},{"sentences":[{"text":"know, things like, you know, AI investment sort of thing, resources, like, copper's expected to go up.","start":2261.77,"end":2271.485,"sentiment":"neutral","sentiment_score":-0.019934677464120528},{"text":"I don't know how that would work.","start":2271.485,"end":2273.0251,"sentiment":"neutral","sentiment_score":-0.12312525830098561},{"text":"Just, yeah, things that would not tank out or avoid","start":2274.365,"end":2280.83,"sentiment":"neutral","sentiment_score":-0.1265788722783327}],"sentiment":"neutral","sentiment_score":-0.07254573669941987,"channel":1,"num_words":34,"start":2261.77,"end":2280.83},{"sentences":[{"text":"Yeah.","start":2280.52,"end":2280.735,"sentiment":"neutral","sentiment_score":-0.15065988898277283}],"sentiment":"neutral","sentiment_score":-0.15065988898277283,"channel":0,"num_words":1,"start":2280.52,"end":2280.735},{"sentences":[{"text":"tanking","start":2281.4502,"end":2281.77,"sentiment":"neutral","sentiment_score":-0.24557870626449585}],"sentiment":"neutral","sentiment_score":-0.24557870626449585,"channel":1,"num_words":1,"start":2281.4502,"end":2281.77},{"sentences":[{"text":"Yep.","start":2281.695,"end":2282.195,"sentiment":"neutral","sentiment_score":-0.21531710028648376}],"sentiment":"neutral","sentiment_score":-0.21531710028648376,"channel":0,"num_words":1,"start":2281.695,"end":2282.195},{"sentences":[{"text":"out during a massive recession because that's where we're headed.","start":2281.77,"end":2284.59,"sentiment":"neutral","sentiment_score":-0.23763512074947357}],"sentiment":"neutral","sentiment_score":-0.23763512074947357,"channel":1,"num_words":10,"start":2281.77,"end":2284.59},{"sentences":[{"text":"Yeah.","start":2284.975,"end":2285.2952,"sentiment":"neutral","sentiment_score":0.03387460112571716},{"text":"Okay.","start":2285.2952,"end":2285.7952,"sentiment":"neutral","sentiment_score":0.06176779791712761},{"text":"So the next document I've definitely made notes of that, so I'm gonna have a look at that within your portfolio.","start":2286.0151,"end":2291.235,"sentiment":"neutral","sentiment_score":0.13978929072618484},{"text":"The next document is probably a really good one.","start":2291.8552,"end":2294.975,"sentiment":"neutral","sentiment_score":0.25046486490302616},{"text":"It's called the Vanguard index chart.","start":2294.975,"end":2296.5898,"sentiment":"neutral","sentiment_score":0.16237705697615942}],"sentiment":"neutral","sentiment_score":0.1647279902704452,"channel":0,"num_words":38,"start":2284.975,"end":2296.5898},{"sentences":[{"text":"Is that what you see?","start":2296.5898,"end":2297.8098,"sentiment":"neutral","sentiment_score":0.09734351038932801}],"sentiment":"neutral","sentiment_score":0.09734351038932801,"channel":0,"num_words":5,"start":2296.5898,"end":2297.8098},{"sentences":[{"text":"Yeah.","start":2298.5752,"end":2299.0752,"sentiment":"neutral","sentiment_score":0.21883569657802585}],"sentiment":"neutral","sentiment_score":0.21883569657802585,"channel":1,"num_words":1,"start":2298.5752,"end":2299.0752},{"sentences":[{"text":"Beautiful.","start":2299.63,"end":2300.13,"sentiment":"positive","sentiment_score":0.4492988586425781},{"text":"So this probably links really well into concerns about recessions and fluctuations or what that's a nice way of saying it.","start":2300.5098,"end":2312.415,"sentiment":"neutral","sentiment_score":0.14210013442096256},{"text":"Let's just call it what it is, volatility.","start":2312.415,"end":2314.115,"sentiment":"neutral","sentiment_score":0.055787220131605864},{"text":"So at the","start":2314.575,"end":2316.335,"sentiment":"neutral","sentiment_score":0.029536989827950794}],"sentiment":"neutral","sentiment_score":0.12025183066725731,"channel":0,"num_words":33,"start":2299.63,"end":2316.335},{"sentences":[{"text":"Yeah.","start":2316.26,"end":2316.76,"sentiment":"neutral","sentiment_score":0.06165962666273117}],"sentiment":"neutral","sentiment_score":0.06165962666273117,"channel":1,"num_words":1,"start":2316.26,"end":2316.76},{"sentences":[{"text":"both of you are invested as well, Jake, you're invested as an aggressive risk profile, which means basically, you're happy to have about a 100% of your superannuation invested in the top four.","start":2317.135,"end":2330.05,"sentiment":"neutral","sentiment_score":0.16528869420289993},{"text":"So on the right hand side of the page, you'll see US shares, Australian shares, international, and Australian listed property.","start":2330.27,"end":2336.77,"sentiment":"neutral","sentiment_score":0.10957144945859909},{"text":"They're what we call our growth assets.","start":2337.405,"end":2339.585,"sentiment":"neutral","sentiment_score":0.11927073981080737},{"text":"So your risk profile at the moment says that you're happy to invest a 100% of your superannuation funds within that sector.","start":2340.045,"end":2348.705,"sentiment":"neutral","sentiment_score":0.16065340556881644},{"text":"Now it's","start":2349.085,"end":2349.885,"sentiment":"neutral","sentiment_score":0.007091305451467633}],"sentiment":"neutral","sentiment_score":0.14320724535666937,"channel":0,"num_words":84,"start":2317.135,"end":2349.885},{"sentences":[{"text":"No.","start":2349.825,"end":2350.325,"sentiment":"neutral","sentiment_score":-0.10018715262413024}],"sentiment":"neutral","sentiment_score":-0.10018715262413024,"channel":1,"num_words":1,"start":2349.825,"end":2350.325},{"sentences":[{"text":"not.","start":2349.885,"end":2350.385,"sentiment":"neutral","sentiment_score":-0.1411355435848236},{"text":"Your portfolio is not.","start":2350.685,"end":2352.225,"sentiment":"neutral","sentiment_score":-0.1984567902982235},{"text":"You have about 93% of your funds invested in those top across those top four with about","start":2352.46,"end":2358.48,"sentiment":"neutral","sentiment_score":0.0002445758265607497}],"sentiment":"neutral","sentiment_score":-0.04230931435119022,"channel":0,"num_words":22,"start":2349.885,"end":2358.48},{"sentences":[{"text":"Yep.","start":2358.36,"end":2358.86,"sentiment":"neutral","sentiment_score":-0.012074003927409647}],"sentiment":"neutral","sentiment_score":-0.012074003927409647,"channel":1,"num_words":1,"start":2358.36,"end":2358.86},{"sentences":[{"text":"seven in defensive assets being your the next two down, bonds and cash.","start":2359.02,"end":2364.4001,"sentiment":"neutral","sentiment_score":0.012135589925142435},{"text":"So are you still comfortable taking that approach?","start":2365.8052,"end":2368.705,"sentiment":"neutral","sentiment_score":0.008635917212814093}],"sentiment":"neutral","sentiment_score":0.010802381272826875,"channel":0,"num_words":21,"start":2359.02,"end":2368.705},{"sentences":[{"text":"Yep.","start":2369.9602,"end":2370.4602,"sentiment":"neutral","sentiment_score":-0.011307381093502045},{"text":"No.","start":2370.52,"end":2370.6802,"sentiment":"neutral","sentiment_score":-0.18134835362434387},{"text":"I probably decrease my exposure","start":2370.6802,"end":2373.375,"sentiment":"neutral","sentiment_score":-0.19856991171836852}],"sentiment":"neutral","sentiment_score":-0.16935789904424123,"channel":1,"num_words":7,"start":2369.9602,"end":2373.375},{"sentences":[{"text":"Yep.","start":2373.165,"end":2373.665,"sentiment":"neutral","sentiment_score":-0.12266187369823456}],"sentiment":"neutral","sentiment_score":-0.12266187369823456,"channel":0,"num_words":1,"start":2373.165,"end":2373.665},{"sentences":[{"text":"to 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They discuss retirement plans and expenses, including home and investment property, and emphasize the importance of maintaining a high growth approach and a positive retirement plan. They also discuss the benefits of insurance for a \" fail safe\" situation and the importance of maximizing growth and maintaining a positive retirement plan. The conversation ends with a discussion about genetic testing and COVID-19, and the agent offers advice on accessing and using personal wealth for retirement."},"intents":{"segments":[{"text":"And I just for security purposes, just get you to confirm your full name and date of birth and address, My full name is Jake Anthony George Simpkins. My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh. please. Fantastic.","start_word":56,"end_word":103,"intents":[{"intent":"Confirm identity","confidence_score":0.25072956},{"intent":"Confirm identity","confidence_score":0.32383117}]},{"text":"That's just your review pack. Before we start the review, what I like to do is just run through and make sure that all the information that we have on file in relation to your personal and financial situation is still current. So Yes. first of all, I'll confirm you're still de facto? Yes. Beautiful. Sorry.","start_word":281,"end_word":336,"intents":[{"intent":"End call","confidence_score":0.003442088},{"intent":"End call","confidence_score":0.010208583}]},{"text":"Where do you travel to for Out the to Chinchilla.","start_word":682,"end_word":691,"intents":[{"intent":"Confirm travel options","confidence_score":0.00039835944}]},{"text":"I've got a pay rate. So it'd be $1.47 now. 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Sorry?","start_word":877,"end_word":880,"intents":[{"intent":"Confirm cost","confidence_score":0.00973418}]},{"text":"And do you have any savings per week as a household?","start_word":892,"end_word":902,"intents":[{"intent":"Inquire about savings per week","confidence_score":0.061725862}]},{"text":"Outside of what you get from your employer for superannuation, do you make any other additional contributions to super?","start_word":1013,"end_word":1031,"intents":[{"intent":"Check if additional contributions are needed","confidence_score":0.00023083815}]},{"text":"Well, have a chat with them about what their thoughts are for future strategies regarding Yeah.","start_word":1405,"end_word":1420,"intents":[{"intent":"Discuss future strategies","confidence_score":0.63183427}]},{"text":"I'm gonna flick to your assets and liabilities now.","start_word":1463,"end_word":1471,"intents":[{"intent":"Discuss assets and liabilities","confidence_score":0.006008107}]},{"text":"We've got that valued at $7.50 with a debt of $1.20. Does that sound correct?","start_word":1502,"end_word":1516,"intents":[{"intent":"Check debt value","confidence_score":0.09237712}]},{"text":"I'll just check my bank. Account. The debt on the home loan is 80,000 82,000. Yeah.","start_word":1530,"end_word":1545,"intents":[{"intent":"Check bank account","confidence_score":0.28534055}]},{"text":"And is it owned jointly? Yes.","start_word":1580,"end_word":1585,"intents":[{"intent":"Confirm ownership","confidence_score":0.03568089}]},{"text":"Do you have the address of it?","start_word":1629,"end_word":1635,"intents":[{"intent":"Update address","confidence_score":0.0002931167}]},{"text":"a loan out in both of our names instead of my own Yeah. solely.","start_word":1669,"end_word":1682,"intents":[{"intent":"Request loan","confidence_score":0.058065888}]},{"text":"So with the properties, are they owned as tenants in common or joint tenants? What does that mean?","start_word":1743,"end_word":1760,"intents":[{"intent":"Inquire about properties","confidence_score":0.015272231},{"intent":"Ask about will","confidence_score":0.11314037}]},{"text":"And did you get powers of attorney done with that? Yep.","start_word":1902,"end_word":1912,"intents":[{"intent":"Confirm receipt of power of attorney","confidence_score":0.000009408367}]},{"text":"Even the reason why we ask is we keep them on file because like, I'll use yesterday as an example. One of you would have passed away yesterday. Even though you are recorded on our system as, you know, spouses, partners, we're actually unable to talk to either one of you until we have those documents. So if we already have them on file, that just actually takes away a a level of stress that you probably Yeah.","start_word":2088,"end_word":2165,"intents":[{"intent":"Verify discrepancy","confidence_score":0.0000035458343}]},{"text":"And I've got a DMX here at twenty five thousand dollars with a that. $10,000 No.","start_word":2365,"end_word":2380,"intents":[{"intent":"Verify debt amount","confidence_score":0.003272809}]},{"text":"Do you take any medication? Beautiful.","start_word":2675,"end_word":2680,"intents":[{"intent":"Confirm medication usage","confidence_score":0.024550082}]},{"text":"Now I if you have access to your emails, can I ask you to open them up?","start_word":2761,"end_word":2777,"intents":[{"intent":"Access emails","confidence_score":0.026401063}]},{"text":"But the first document I'm assuming is the is Jake's summary of super inch and insurances. So we've got the hub 24 count account for Jake sitting at a balance of 91,000 Yep. 638.","start_word":2905,"end_word":2938,"intents":[{"intent":"Update information about insurances","confidence_score":0.00009107826}]},{"text":"I definitely wanna update that. I just pulled that document up and went that seems a bit wise. 8,166 income protection.","start_word":3004,"end_word":3024,"intents":[{"intent":"Update document","confidence_score":0.6661673}]},{"text":"So I'm going to do some investigating. How long ago did your wage increase to $1.47?","start_word":3027,"end_word":3042,"intents":[{"intent":"Investigate wage increase","confidence_score":0.9468649}]},{"text":"How long ago did your wage increase to $1.47?","start_word":3034,"end_word":3042,"intents":[{"intent":"Determine age","confidence_score":0.0059000854}]},{"text":"So if we look at one thirty eight as the base because how income protection works is we can sure insure up to 70% of your gross income. So Yeah.","start_word":3128,"end_word":3157,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.015427775}]},{"text":"Now, Jake, with your policies, would you like us to go to market? Basically, that means is we'll go and have a look and make sure that Cal is still competitive price wise definition and Yes. all that wise.","start_word":3232,"end_word":3270,"intents":[{"intent":"Express interest in pursuing market","confidence_score":0.000009795199}]},{"text":"The reason I ask is you from that brief questionnaire that I asked, do you have any preexisting medical conditions, anything that from an because you'll have to go through full underwriting again. So you might recall when Yeah.","start_word":3271,"end_word":3309,"intents":[{"intent":"Ask about medical conditions","confidence_score":0.038470667}]},{"text":"Trauma insurance is something that Tamara has, but you don't. So I just wanted to cover that off with you.","start_word":3375,"end_word":3394,"intents":[{"intent":"Cover trauma insurance","confidence_score":0.55032516},{"intent":"Inquire about insurance coverage","confidence_score":0.011657605}]},{"text":"Trauma insurance is something that Tamara has, but you don't. So I just wanted to cover that off with you. I'm Do you know what trauma insurance is? I read a joke about being here off after asking how much is traumatic, but I don't actually know what that is. What like, what counts Okay.","start_word":3375,"end_word":3429,"intents":[{"intent":"Inquire about traumatic insurance coverage","confidence_score":0.000836135}]},{"text":"So a trauma policy covers it's just over 40 defined, diagnosable conditions, and they range from different type yeah. To different types of cancer to stroke, heart attack, and just depending on the severity of it. And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely. It's just that it's designed to help with the the financial Intermediate. stress that comes with those.","start_word":3471,"end_word":3546,"intents":[{"intent":"Explain policies for specific conditions","confidence_score":6.877181e-7}]},{"text":"And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely. It's just that it's designed to help with the the financial Intermediate. stress that comes with those. Yeah.","start_word":3507,"end_word":3547,"intents":[{"intent":"Discuss recovery and savings","confidence_score":4.140712e-8}]},{"text":"She's insured for a 100,000 for your trauma insurance. So if you is there any specific amount you would like cover for, or would you like me to go away and work an amount that's Yeah.","start_word":3596,"end_word":3631,"intents":[{"intent":"Request specific policy amount","confidence_score":0.00012728591}]},{"text":"So you've got a four week waiting period, thirty days on your income protection.","start_word":3685,"end_word":3698,"intents":[{"intent":"Discuss waiting period","confidence_score":0.017821481}]},{"text":"So I was awaiting a genetics test to see if I held the BRCA gene, which caused cancer, and I don't Yep. I don't have it. So I don't know if I can send that through to you or have, and then I can get covered for breast cancer because I've been cleared for the genetic markers for it. Okay. Okay.","start_word":3988,"end_word":4048,"intents":[{"intent":"Inquire about coverage for cancer","confidence_score":0.000007118565}]},{"text":"I'll find out what the insurance company says. Yep.","start_word":4083,"end_word":4091,"intents":[{"intent":"Address insurance issues","confidence_score":0.0002898358}]},{"text":"So performance wise, if you look at the second page, you'll see a net performance of 1.66%. Now not great.","start_word":4453,"end_word":4472,"intents":[{"intent":"Analyze performance","confidence_score":0.26486585}]},{"text":"that has had a negative impact on your portfolio because as you can see from the rest of your portfolio, it performs very well. So that's what's brought down your overall return.","start_word":4779,"end_word":4810,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.048451018}]},{"text":"So it's a it's a good it's a good allocation, but as performance of the portfolio as a whole, but Benelon itself is one that we definitely need to look at alternatives. Yep.","start_word":5077,"end_word":5109,"intents":[{"intent":"Explore alternatives","confidence_score":0.08354611},{"intent":"Allocate portfolio","confidence_score":0.011556759}]},{"text":"So what I'm wanting to do is do a little bit of research for the client for my clients just to look at alternatives rather than wait Yeah. and see.","start_word":5252,"end_word":5281,"intents":[{"intent":"Study alternatives","confidence_score":0.0027340576}]},{"text":"And well, I'm that trying to, like if you can look at things that can perform in a recession, Yep. because Yep.","start_word":5442,"end_word":5463,"intents":[{"intent":"Discuss the potential performance of a recession","confidence_score":0.0000010585093}]},{"text":"So in that sense, what I'm gonna do is explain how Tamara is invested, and you can let me know your comfort level with that.","start_word":5779,"end_word":5803,"intents":[{"intent":"Explain investment process","confidence_score":0.31529528}]},{"text":"this chart is what I like to use this chart when talking to clients is is to show you, yes, events happen, that the market re and how the market reacts to certain events. For example, war, you know, the market can react extremely positively.","start_word":5936,"end_word":5980,"intents":[{"intent":"Discuss market reactions","confidence_score":0.071402505}]},{"text":"So what I for from because we're talking about your superannuation, for example, Jake, based on today's legislation, you've got about thirty years until you can access your super.","start_word":6037,"end_word":6065,"intents":[{"intent":"Offer guidance on future access","confidence_score":2.1450154e-7}]},{"text":"So given it's your superannuation and you've got limitations as in when you can access it, that's a different scenario if we're talking about personally held investments where you might wanna be a little bit more conservative because Yeah.","start_word":6140,"end_word":6178,"intents":[{"intent":"Assess superannuation coverage","confidence_score":0.00026623203}]},{"text":"That makes sense. And and it's it's also not necessarily about what I think or and it it's your comfort level. So if you're given how you're feeling about the future economy and where things are sitting, if you're more comfortable with a ninety ten, I think that that's the right decision to be made for yourself at this time.","start_word":6577,"end_word":6636,"intents":[{"intent":"Decide decision","confidence_score":0.0066360715}]},{"text":"So the next couple of documents are your insurance, just your certificates of currency. So it just shows that they're in fourth, what you're insured for, we've been over those Yep. a couple already.","start_word":7135,"end_word":7168,"intents":[{"intent":"Refine insurance documents","confidence_score":0.00024063839}]},{"text":"So how that will work for yourself, Jake, is that will be deducted monthly at approximately $84 a month, your fee, which is Yep. an annual fee of $1,008. Yep.","start_word":7462,"end_word":7491,"intents":[{"intent":"Educate about fees and rates","confidence_score":0.00012391417}]},{"text":"So it's just acknowledging that we hold that on file for you and that you're comfortable with that. If not, don't sign it, and we'll try we'll destroy it. But they're the three forms that we do need signing. So any questions about any of that?","start_word":7764,"end_word":7809,"intents":[{"intent":"Acknowledge hold","confidence_score":0.051812984}]},{"text":"Now I just wanted to just briefly before we finish up is I just wanted to run over the goals and objectives that you both had on file with us previously. I just wanna see if they're still current, if there's a couple of new ones we're gonna look at or that you need us to look at.","start_word":7819,"end_word":7876,"intents":[{"intent":"Discuss goals","confidence_score":0.101592325}]},{"text":"So your retirement goal was in retirement, you'd like to be financial stable and have built enough wealth and investment so you can travel as you please and enjoy your retirement. Still Yeah.","start_word":7950,"end_word":7982,"intents":[{"intent":"Discuss financial stability","confidence_score":0.014654272},{"intent":"Discuss retirement goals","confidence_score":0.22999595},{"intent":"Discuss retirement goals","confidence_score":0.018515205}]},{"text":"In retirement, based on today's dollars, how much do you think you will both need to live comfortably if you 1,000,000,000 if you give dollars. it free?","start_word":8047,"end_word":8073,"intents":[{"intent":"Ask about retirement budget","confidence_score":0.002529039}]},{"text":"We'd probably Or both like to get, like, a personal share account going. So we're talking about this Yeah. and, like, we've got, you know, like, say, a million ish dollars in Equity.","start_word":8478,"end_word":8510,"intents":[{"intent":"Discuss personal equity goals","confidence_score":0.04820665}]},{"text":"and, like, we've got, you know, like, say, a million ish dollars in Equity.","start_word":8497,"end_word":8510,"intents":[{"intent":"Discuss equity goals","confidence_score":0.0053175637}]},{"text":"So diversify, basically? Yeah.","start_word":8581,"end_word":8584,"intents":[{"intent":"Discuss diversify property investments","confidence_score":0.0041610464}]},{"text":"Were you thinking of looking at utilizing some equity in your property to borrow and invest and then contribute regularly from your own cash flow? What were your Probably, yeah, just contributing from, like, cash flow mainly. It sort of depends on what the equity comes thoughts? back at for Yep. this this other place, which is getting valued. Yep. But, Yep. yeah, probably more my own contribution. Yep.","start_word":8594,"end_word":8662,"intents":[{"intent":"Discuss contribution to property","confidence_score":0.0016935959}]},{"text":"if I can make more than like, interest rates are six ten at the moment or whatever they are, like, if I can make sort of eight to 10 in the stock market, then I don't necessarily see that as being that advantageous.","start_word":8728,"end_word":8770,"intents":[{"intent":"Discuss interest rate balance","confidence_score":0.0002986201}]},{"text":"What we would do is we would probably recommend that for that purpose to help with the long term growth compounding over time.","start_word":9102,"end_word":9124,"intents":[{"intent":"Recommend investments","confidence_score":0.010110545}]},{"text":"so you'd you'd be comfortable doing, like, a $500, let's just say, direct debit into it, and then you'd make a a monthly contribution with anything left over ad hoc when you see fit? Yeah.","start_word":9216,"end_word":9250,"intents":[{"intent":"Make monthly contributions","confidence_score":0.08516308}]},{"text":"I'll build this so much makes different month to month, depends on the yeah. house.","start_word":9278,"end_word":9292,"intents":[{"intent":"Build coverage","confidence_score":0.0021002826}]},{"text":"I can definitely look at that. So, Tamara, with yours, yours were to review your super insurances and have them best set up and that they're working well for you, which I think we've achieved, but we'd leave that as a continuous goal to make sure that it stays there. Yeah.","start_word":9457,"end_word":9507,"intents":[{"intent":"Review super insurances","confidence_score":0.14379895}]},{"text":"What's your thoughts ideally?","start_word":9530,"end_word":9533,"intents":[{"intent":"Review retirement thoughts","confidence_score":0.037106667}]},{"text":"If we can, we can financially sort of maintain because realistically, I may not be able to work for six months to a Mhmm. year.","start_word":9928,"end_word":9952,"intents":[{"intent":"Discussing finances","confidence_score":0.000006365355}]},{"text":"So I think out of pocket, it was probably about $8,000 after everything. Oh, that's not too bad. I was I remember horror stories from years ago at being upwards of 20,000 because Yeah. I I haven't been you know, you know, I've Yeah. only just recently looked into this because I've never Yeah. been able to fall pregnant. So, you Yeah.","start_word":10261,"end_word":10322,"intents":[{"intent":"Evaluate pregnancy options","confidence_score":0.0019370448}]},{"text":"And and, unfortunately, the thing with that is is they can't see it on a scan. The only way they actually see it is through what they call a laparoscopy. So, basically, they're going through your belly with a little camera, general anesthetic, and that's when they can properly I can see diagnose it, and they remove it all at that time. So it.","start_word":10603,"end_word":10666,"intents":[{"intent":"Assess bcr diagnosis","confidence_score":0.00013546669}]},{"text":"tests done to make sure, you know, they check for Hormones and everything. yep.","start_word":11063,"end_word":11076,"intents":[{"intent":"Request test results","confidence_score":0.009312085}]},{"text":"It is it is really taxing emotionally just because of the hormones.","start_word":11320,"end_word":11331,"intents":[{"intent":"Address emotional challenges","confidence_score":0.00073845993}]},{"text":"I would I would definitely ask them to do well, if there are any any decent, they'd do some investigating before you even started because, otherwise, what's the point of wasting all that money if, you know, the the body is not able to hold the little embryo. So yeah.","start_word":11652,"end_word":11701,"intents":[{"intent":"Request and conduct testing","confidence_score":0.000013992513}]},{"text":"I mean, you don't necessarily need to know about endometriosis until you do the transfer. Yeah.","start_word":11713,"end_word":11728,"intents":[{"intent":"Discuss endometriosis","confidence_score":0.0020405203}]},{"text":"No. I'm They'll sure it'll test all be all fine. that too.","start_word":11835,"end_word":11846,"intents":[{"intent":"Determine test outcome","confidence_score":0.0009262128}]},{"text":"It's probably easier with in respect to the the administration of the hormones. So definitely worthwhile doing.","start_word":12402,"end_word":12418,"intents":[{"intent":"Discuss hormone administration","confidence_score":0.040753048}]},{"text":"So, yeah, I think you'll get you'll definitely get some information from your doctor, and they'll be able to help you Yeah. navigate Yeah.","start_word":12649,"end_word":12672,"intents":[{"intent":"Remind about doctor's advice","confidence_score":0.01057602}]},{"text":"Well, do you have any questions for me from an advice perspective at the moment?","start_word":12705,"end_word":12719,"intents":[{"intent":"Request advice","confidence_score":0.012578799}]},{"text":"when given, like, the difference in age between the expired, obviously, they're gonna access her super before May. Mhmm.","start_word":12738,"end_word":12756,"intents":[{"intent":"Understand age gap","confidence_score":0.0061744265}]},{"text":"for retirement purposes. And as we get closer to that, there are things that we can do. But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date.","start_word":12949,"end_word":12997,"intents":[{"intent":"Discuss retirement options","confidence_score":0.06338617}]},{"text":"And as we get closer to that, there are things that we can do. But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date.","start_word":12952,"end_word":12997,"intents":[{"intent":"Discuss retirement strategies","confidence_score":0.0104262745}]},{"text":"So they're they're just things we keep an eye on over over time, and they're not things that we need to consider now. But as retirement approaches, we'd definitely be looking at those type of different type of strategies that would benefit you both in the lead up to retirement. Yep.","start_word":13275,"end_word":13325,"intents":[{"intent":"Analyze retirement strategies","confidence_score":0.014723516}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Jake? It sure is. Hi, Jake. It's Jenna here phoning from Oakview Financial. How are you today?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.141330748796463},{"text":"I'm good. Thanks. That's good.","start_word":21,"end_word":25,"sentiment":"positive","sentiment_score":0.5444023013114929},{"text":"Just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. That's fine.","start_word":26,"end_word":54,"sentiment":"neutral","sentiment_score":0.07064662873744965},{"text":"Beautiful.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.5282065868377686},{"text":"And I just for security purposes, just get you to confirm your full name and date of birth and address, My full name is Jake Anthony George Simpkins. My date of birth is the 08/18/0996, and my address is 1886 Pipers River Road, Lower Turner's Marsh. please.","start_word":56,"end_word":102,"sentiment":"neutral","sentiment_score":0.08774559944868088},{"text":"Fantastic.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.5673409700393677},{"text":"I'm phoning today to complete your annual review. Do you still have time for that? Yeah. Yep. Yep. I got Yep. a problem. And is Tamara with you? If she is, I'll just go grab her. Yeah. I'll and I'll just ID Tamara when she gets She's on the it. phone too. Yeah? Beautiful. Hi, Tamara. Hello. My name is Jenna. How are you today? I'm good. Thanks, though. I'm well. Thank you. Can I just get you to confirm your full name, date of birth, and and address, please? Tomorrow, Lee Olson, in 12/12/1988 1886 River Road.","start_word":104,"end_word":201,"sentiment":"neutral","sentiment_score":0.07962724566459656},{"text":"Beautiful. Thank you so much for that.","start_word":202,"end_word":208,"sentiment":"positive","sentiment_score":0.4536567926406861},{"text":"I am just phoning to complete your annual review of your superannuation and insurances. Mhmm. You will sure I'm gonna send through an email that you both will receive. You may even receive a double up, so I apologize. I'm gonna look at that email second to what I'm gonna run through first, but I just will hit send so they're in your inbox waiting when we get to that stage. Yep. That's just your review pack. Before we start the review, what I like to do is just run through and make sure that all the information that we have on file in relation to your personal and financial situation is still current. So Yes. first of all, I'll confirm you're still de facto? Yes. Beautiful. Sorry. It's always an awkward question to ask. No. You're up. And do you both do either of you have any No. dependents? No. And are you both happy to continue to be nominated as each other's next of kin? Yep. Yep.","start_word":209,"end_word":377,"sentiment":"neutral","sentiment_score":0.03903938294250584},{"text":"Beautiful.","start_word":378,"end_word":378,"sentiment":"positive","sentiment_score":0.4369331598281861},{"text":"Jake, I'm gonna start with you from an occupation perspective. We have you down as an NDE technician slash painter. Is that still correct? NDT technician. Yeah. I mean, I'm not really painting that much Yep. anymore, Can I ask but just for I curiosity? guess, What does technically the NBT stand for? yeah. He's a non destructive technician. So we Okay. do a bunch of different methods for testing, like, gas piping, mining equipment, aerospace, Oh, all okay. that kind of, like, high value shit, testing No. in a way that doesn't cause any damage to it. So, like, ultrasound, X-ray, that kind of crap. Oh, wow. That sounds interesting. So it's very niche, but, yeah, we're just no nerd shit about ultrasound, really.","start_word":379,"end_word":503,"sentiment":"neutral","sentiment_score":-0.015236631035804749},{"text":"Sounds more impressive than it is. Still pretty cool.","start_word":504,"end_word":512,"sentiment":"positive","sentiment_score":0.43423667550086975},{"text":"And your is your role mainly, like, off-site or in an office? No. On-site. So we drive around to Yep. different gas wells all over the site during the day and then spend, I don't know, approximately maybe 40% of the time in the office reporting for about sixty forty. Okay. Beautiful. And are you still full time are are you I've got here full time slash sole trader. What are you still a sole trader? Yeah. Yeah. Yeah. That's all correct. Yep. I mean, I haven't really because we bought that investment property. I don't think I've actually done any work for myself this year that I got Yeah. paid for. Yep. But, yeah, that that that that is true. Alright. Fantastic. So you contract to a mining site or whoever? No. So I'm full time out of origin as my employment, and then I just do odd painting jobs here and there. Okay. Beautiful. Origin. And is that still a two and two roster? Yep. Yep.","start_word":513,"end_word":680,"sentiment":"neutral","sentiment_score":0.0008641845488455147},{"text":"Beautiful.","start_word":681,"end_word":681,"sentiment":"positive","sentiment_score":0.503908634185791},{"text":"Where do you travel to for Out the to Chinchilla.","start_word":682,"end_word":691,"sentiment":"neutral","sentiment_score":0.09032250940799712},{"text":"oh, nice.","start_word":692,"end_word":693,"sentiment":"positive","sentiment_score":0.3372761905193329},{"text":"So one extreme or the other, it's heavy to chinny. Yeah. I was gonna say it's a bit of a hike. Yeah. I called you. So we've got your income down as a 140. Is that correct? Yeah. $1.47 now. $1.47. $1.47 now. Yeah. I've got a pay rate. So it'd be $1.47 now. Okay. And is that plus Yeah. Pass over.","start_word":694,"end_word":755,"sentiment":"neutral","sentiment_score":-0.018839949741959572},{"text":"super? Fantastic.","start_word":756,"end_word":757,"sentiment":"positive","sentiment_score":0.4488029181957245},{"text":"Now as a whole how whole household, we've got your expenditure as $3,500 a week. Does that sound correct? For, actually, our house. What's this? Sorry? Just A household all your expenditure. expenses. Yeah. Because I wonder Okay. if that includes your mortgage as well. How much is a month? It said 3.5 a week. Roughly, yeah, for the everything. Yeah. Yeah. But And I think for that. Right? does that include mortgage repayments? Yeah. Yeah. That'd be quite advised mortgage repayments. Okay. Oh, we pay And for it. yeah. Of course. Yep. That's fine. And do you get a rental income now? Yes. Yeah. We do. Thank God. And and how much is that? $4.80 a week. Beautiful. But that's expensive. Sorry? Oh, Sorry? Nothing. They're all good. Yeah. $4.80. Alrighty. Okay. Yep. And do you have any savings per week as a household? We don't have, like, a flat amount that we save per Yep. week. It's Yep. more like, I get my account to $10, and then anything extra I have with that at the end of the month, I put into our savings. So, you know, if it's a big bill, we did something at the house. It might only be a thousand bucks that month. If it's a Mhmm. good month where there wasn't really outlays, I might say $5 that month at all. Yeah. Depends.","start_word":758,"end_word":988,"sentiment":"neutral","sentiment_score":0.009750073231369644},{"text":"Beautiful.","start_word":989,"end_word":989,"sentiment":"positive","sentiment_score":0.4798729419708252},{"text":"Yeah. I don't really have a set weekly. We sort of live month to month because we have jobs. Yep. Absolutely fine. Understand. Outside of what you get from your employer for superannuation, do you make any other additional contributions to super? No. Just Nope. just the 12% from the employer. Yep. Did you want to consider that? No. Not Probably not at this jump over to your document and just check stage. your in car your, sorry, occupation and income. I've got you down as nondestructive testing technician. So do you do you both do the same thing? Yeah. Yep. Yeah. Oh, cool. Are you on the same roster? Or Same roster, different site. So we don't get to see each other oh, at work, that's a but we get the two weeks off together, which is great.","start_word":990,"end_word":1128,"sentiment":"neutral","sentiment_score":0.03026939369738102},{"text":"oh, that's nice at least. I remember my husband used to do FIFO, and it was lovely having him gone, but it was lovely when he got home as well. I got a nice balance.","start_word":1129,"end_word":1163,"sentiment":"positive","sentiment_score":0.3826071321964264},{"text":"Okay. So and are you employed by Origin as well? SRG Global. We're we're contracted to Origin. So both Jake and I work for the same company, Okay. and we contract to Origin. Well, they they've got the contracts for the integrity Beautiful. out Yeah. there.","start_word":1164,"end_word":1209,"sentiment":"neutral","sentiment_score":0.028969932347536087},{"text":"Beautiful. Fantastic.","start_word":1210,"end_word":1211,"sentiment":"positive","sentiment_score":0.38221049308776855},{"text":"And your your roster's the same. And is your has your income gone up at for the same amount? Yeah. Beautiful. Yep. So I'll put that. I can double that up. And with super, are you making any additional amounts? I'm not at this stage. No. No. Are you wanting to? Probably not at this stage. They made me $40,000 last year, so they're doing alright.","start_word":1212,"end_word":1277,"sentiment":"neutral","sentiment_score":0.004166574217379093},{"text":"Very good.","start_word":1278,"end_word":1279,"sentiment":"positive","sentiment_score":0.35947734117507935},{"text":"Very good. That's what I mean, it's something to consider. I mean, you've got your tax tax strategy in place, obviously, with the investment property, but salary sacrifice is also an Yeah. Definitely. We've we've just been we've put off our our tax. Well, I'm at I'm actually just, like, I'm three years behind Yeah. Oh, because no. we were no. Yeah. No. We we were expecting a bill because our last employer stuffed up with Oh, Oh, no. tax contributions. So I was expecting a $10,000 bill. So what we were doing is waiting to get this investment property done, which we have done. Yep. And I've got to send everything through so I'd we don't get smashed, essentially. Yeah. I under I that. Well, have a chat with them about what their thoughts are for future strategies regarding Yeah. Definitely. tax, and we can help with that Yep. if that's something that you wanna look at. Yeah. Definitely. There's that, and we're gonna look into investments as well eventually.","start_word":1280,"end_word":1450,"sentiment":"neutral","sentiment_score":-0.06470600241108944},{"text":"Beautiful. So Beautiful.","start_word":1451,"end_word":1453,"sentiment":"positive","sentiment_score":0.48707157373428345},{"text":"I can touch on that in a moment too. I'm gonna flick to your assets and liabilities now. So we've got your PPR. So this is the house in your sorry. Your prince principal place of residence. This is your house in Tasmania. Is that right? Yep. Yep. We've got that valued at $7.50 with a debt of $1.20. Does that sound correct? Changed a little. Yeah. Yep. So What I think what do hold on. I'll just check my bank. Account. The debt on the home loan is 80,000 82,000. Yeah. And Beautiful. according to realestate.com, this place is worth $8.50.","start_word":1454,"end_word":1555,"sentiment":"neutral","sentiment_score":0.04074518755078316},{"text":"Lovely. Nest egg there for you guys. That's fantastic.","start_word":1556,"end_word":1564,"sentiment":"positive","sentiment_score":0.5112276077270508},{"text":"Yeah. And the investment property, where is that located? Georgetown in Tasmania. Yep. Georgetown. Beautiful. And is it owned jointly? Yes. Yep. Beautiful. And we've got that valued at 600 with a debt of $4.38. Yeah. So that's $4.28 now, and we're we don't know the value of it at this That's stage, but 6 okay. 100 Do you have sounds about right. yeah. Do you have the address of it? 19 Esplanade North. Right. Yeah. Georgetown. It's getting an evaluation done this week because Oh, okay. I'm getting Jake's name put onto our primary residence, and we had Oh, to get okay. a loan out in both of our names instead of my own Yeah. solely. And Okay. they just obviously, they have plenty of equity in this place, but they just Yep. wanna Yeah. you know? But And I dot was gonna their look i's and at cross it. their t's. Yeah. So realestate.com think it thinks it's $5.10, I think, but that's unrenovated. Yeah. Okay. That's alright. We'll leave it at Mhmm. 600.","start_word":1565,"end_word":1740,"sentiment":"neutral","sentiment_score":0.010410900452288017},{"text":"That's beautiful.","start_word":1741,"end_word":1742,"sentiment":"positive","sentiment_score":0.6371356248855591},{"text":"So with the properties, are they owned as tenants in common or joint tenants? What does that mean? Yes. What Okay. Yeah. So there's a there's probably worth having a look at your contracts of purchase. And it means basically a tenant in common means that your portion of the property passes through your will. So it's always important to have a will in place. Whereas Yeah. if it's joint tenants, it will just automatically pass to the other person. So that's probably why I ask only because It's it's joint tenants because if I die, everything goes to Jake. But we just got a will fantastic. done that if we only in the event that we both pass away, we've worked out what we what our half of the state will go to who that'll go to. Yep. Beautiful. And when were they done just recently? Yeah. Like, I just sent through the paperwork on Friday. Oh, beautiful. And did you get powers of attorney done with that? Yep. Yep. Oh my gosh. Look at you.","start_word":1743,"end_word":1919,"sentiment":"neutral","sentiment_score":0.043484244495630264},{"text":"I'm so proud.","start_word":1920,"end_word":1922,"sentiment":"positive","sentiment_score":0.38430255651474},{"text":"There's no you know what? You would think that it would be really common that people would have these in place, but they they just don't. We had a we had a written will out prior to that, but because, you know, we Yeah. have our super we have quite a lot, Yep. Yep. like, asset wise. We're Mhmm. just like, we need to do this properly, so we've gone to the solicitor and done a proper one Beautiful.","start_word":1923,"end_word":2001,"sentiment":"neutral","sentiment_score":0.005320803727954626},{"text":"two and a half Fantastic.","start_word":2002,"end_word":2006,"sentiment":"positive","sentiment_score":0.4054546058177948},{"text":"years later. But, yeah, a lot of a lot of people don't, and I've seen things just go badly, Yes. especially with family. So we're just like, Yes. Oh, you know yes. what? Yeah. Yeah.","start_word":2007,"end_word":2041,"sentiment":"neutral","sentiment_score":-0.13678757165159497},{"text":"Family are the worst.","start_word":2042,"end_word":2045,"sentiment":"negative","sentiment_score":-0.3482455909252167},{"text":"You would think that they'd Yep. be their best, but no. No. I've seen some in my time. I can tell you that. So when you do have those finalized, if possible, are you able to email me a copy of them? Even the reason why we ask is we keep them on file because like, I'll use yesterday as an example.","start_word":2046,"end_word":2107,"sentiment":"neutral","sentiment_score":-0.07683780044317245},{"text":"One of you would have passed away yesterday.","start_word":2108,"end_word":2115,"sentiment":"negative","sentiment_score":-0.3575531840324402},{"text":"Even though you are recorded on our system as, you know, spouses, partners, we're actually unable to talk to either one of you until we have those documents. So if we already have them on file, that just actually takes away a a level of stress that you probably Yeah. wouldn't need A at red that tape time. as well. Yeah. Yeah. Yep. Yeah. Yep. No. That's fine. Once they send them through, I can forward Yeah. them.","start_word":2116,"end_word":2193,"sentiment":"neutral","sentiment_score":-0.12864959239959717},{"text":"Oh, fantastic. Thank you.","start_word":2194,"end_word":2197,"sentiment":"positive","sentiment_score":0.42456498742103577},{"text":"Now I also have a camper van here for 60,000. Is that correct? 60 A camper van for what? Sorry. thousand dollars? 16. Oh, 16. It was probably Okay. 16. It was it's probably worth 15 now, but yes. Okay.","start_word":2198,"end_word":2237,"sentiment":"neutral","sentiment_score":0.04193347692489624},{"text":"Fantastic.","start_word":2238,"end_word":2238,"sentiment":"positive","sentiment_score":0.4068560004234314},{"text":"You can you can have it for 60,000. We'll deliver it for you for that. Sign and seal and delivered. Alright. Yeah. And I have some crypto at 800. Is that still correct? Oh, for myself. Yeah. Oh god. I haven't checked it for, like, a year. Probably, yeah, Yep. probably the same. Beautiful. Jake, I have some crypto here for you for 3,000. Would that still be right? No. It's about 8,000 Eight. US. Yeah. Yes. That's USD as well. Beautiful. Is that sorry. So That's what? that's USD as well, not Oh, beautiful. AUD. Hey. I'm sorry. I'm just logging on, make sure that's yeah. 8,300, whatever that works out. The whole the whole, like, $10.11 ish, something like And alright.","start_word":2239,"end_word":2361,"sentiment":"neutral","sentiment_score":0.03341596188947437},{"text":"Fantastic. Thank you.","start_word":2362,"end_word":2364,"sentiment":"positive","sentiment_score":0.6309839487075806},{"text":"And I've got a DMX here at twenty five thousand dollars with a that. $10,000 No. There's debt. no dent on it anymore. Beautiful. Still about 25. Yeah. I guess so. In that Beautiful. ballpark. And I also have an offset account here for 90,000. Would that be No. Some of that went in the reno's. It's definitely not at 90 anymore. correct? Hang on. Let's just pull that up. 5. There's 55,000 in it now.","start_word":2365,"end_word":2440,"sentiment":"neutral","sentiment_score":0.01019557286053896},{"text":"That's still pretty good, guys.","start_word":2441,"end_word":2445,"sentiment":"positive","sentiment_score":0.36920586228370667},{"text":"Something to be Yeah. very proud of. Yeah. Alright. It's just sad It to watching it go down every month, not up. It's finally it's bounced life. back. Yeah. I get that. Any other assets or debts that you are aware I've got Jet Ski. of? Jet ski. Yep. About And $6 what worth. yep. Beautiful. Alright. Any debt on that one? No. No. Fantastic. And we Alright. got our engagement ring valued for insurance purposes, and that's worth 33. 33,000. Beautiful. And, hopefully, that's nice and Well, we'll be short. It getting will be. getting individually listed because, yeah, I was like, oh, this is, again, a bit hectic. Yeah. I'm like, if I can do this properly You Yep. to So can I ask, are you engaged? yes. Yeah. Yeah. Okay. Beautiful. Congratulations. Yeah. Thank you. We've been engaged for, like, almost two years. We bought that house and everything just went to a standstill for quite a while, but we're getting Oh, back to and sorting our lives out now. So, yeah, hence, wills and insurances and all this shit's finally getting done. yeah. Beautiful. Fantastic. Alright. So from a health perspective, I just need to run through the details details that we have on file. Tamara, I've got that you were an ex smoker about five years ago. Is that still correct? Yep. Yep.","start_word":2446,"end_word":2673,"sentiment":"neutral","sentiment_score":-0.03267734148131128},{"text":"Beautiful.","start_word":2674,"end_word":2674,"sentiment":"positive","sentiment_score":0.44298869371414185},{"text":"Do you take any medication? Beautiful. Did No. you take any medication? No. You've got private health insurance? Yep. Yep. We both do. Beautiful. Is it with the same company? Saint Luke's. Yep. Okay.","start_word":2675,"end_word":2708,"sentiment":"neutral","sentiment_score":0.030551599338650703},{"text":"Beautiful.","start_word":2709,"end_word":2709,"sentiment":"positive","sentiment_score":0.34873753786087036},{"text":"Because I've got Saint Luke's on one and nothing on yours. So just yes. So I thought Oh. I'd just double check. Alright.","start_word":2710,"end_word":2732,"sentiment":"neutral","sentiment_score":0.06460147351026535},{"text":"Fantastic.","start_word":2733,"end_word":2733,"sentiment":"positive","sentiment_score":0.3384236693382263},{"text":"And, Jake, any are you still a non smoker? Yeah. I don't smoke. Never smoked. Yep. I don't take any medication.","start_word":2734,"end_word":2754,"sentiment":"neutral","sentiment_score":-0.029184183105826374},{"text":"Beautiful. Fantastic. Thank you.","start_word":2755,"end_word":2758,"sentiment":"positive","sentiment_score":0.4849976897239685},{"text":"Alright. Beautiful. Now I if you have access to your emails, can I ask you to open them up? If you don't, that's okay. I can still run through the documents. But yeah. Just No. if I you I have can access. open that up now. This Beautiful. sign request thing, is that what you're talking Yep. about? Yes. So if you hit sign, what it's gonna do is open up a bunch of documents. You're not actually signing anything. We're just gonna talk through the documents. There are some that we need signing at the end, but you don't sign Yeah. them until you're comfortable and Okay. you've had the I know I get a million the review. bucks if he died. Oh, no. Nelly. Okay. So I'm hoping that these are gonna be in the correct order. So just the way they're packed together. But the first document I'm assuming is the is Jake's summary of super inch and insurances. So we've got the hub 24 count account for Jake sitting at a balance of 91,000 Yep. 638. And then your insurances through a Now that's significantly lower than Yeah. probably what you're Yeah. able to get, but also what your expenses are. Realistically, based on a 147,000, your sum insured should be sitting around $8,500 a month. Yeah. So I I guess that's something that I really do need to flag with you whether you wanna look at increasing Yeah. that.","start_word":2759,"end_word":3002,"sentiment":"neutral","sentiment_score":-0.01553931087255478},{"text":"I definitely wanna update that. I just pulled that document up and went that seems a bit wise.","start_word":3003,"end_word":3020,"sentiment":"positive","sentiment_score":0.39437970519065857},{"text":"8,166 income protection. Yeah. Yeah. Yeah. So I'm going to do some investigating. How long ago did your wage increase to $1.47? That's brand new, but it's been, like, over a $100 for, like, the last Mhmm. three years or so. Yep. Yep. So were you on $1.40 at least for the last twelve months? Like, Yeah. if you you could Yeah. prove $1.38. that. Yeah. $1.38 or yeah. Or in that ballpark in the last three years has been, like, you know, anywhere from $1.20 to $1.60 depending on how much overtime, whatever I did, but in that ballpark, certainly, for Alright. three years at least. So if we look at one thirty eight as the base because how income protection works is we can sure insure up to 70% of your gross income. So Yeah. if you're happy for me to work on one thirty eight as an average, I'll do some figures, and I'm going to go and investigate that a bit further. Maybe $1.40. I think my flat, like, Yep. base rate contract is a 140. Well, that's Okay. a guaranteed minimum I'll earn.","start_word":3021,"end_word":3208,"sentiment":"neutral","sentiment_score":0.0799945816397667},{"text":"So we'll do that Beautiful.","start_word":3209,"end_word":3213,"sentiment":"positive","sentiment_score":0.42862725257873535},{"text":"because, yeah, I'll earn a Alright.","start_word":3214,"end_word":3219,"sentiment":"neutral","sentiment_score":0.28621673583984375},{"text":"bit more, but rather that that I can prove pretty easily.","start_word":3220,"end_word":3230,"sentiment":"positive","sentiment_score":0.35372185707092285},{"text":"Alright. Now, Jake, with your policies, would you like us to go to market? Basically, that means is we'll go and have a look and make sure that Cal is still competitive price wise definition and Yes. all that wise. The reason I ask is you from that brief questionnaire that I asked, do you have any preexisting medical conditions, anything that from an because you'll have to go through full underwriting again. So you might recall when Yeah. No. you I'm completely did clean these skin. I have policies. no medical Yep. history Yep. for myself at all. No issues, yada Okay. yada yada. Not any family history. My mother's had breast cancer, but given I'm a bloke, I'm guessing that's pretty low risk for me. Yeah. I'm I I'm not sure actually how that works, but I I would have assumed so. Trauma insurance is something that Tamara has, but you don't. So I just wanted to cover that off with you. I'm Do you know what trauma insurance is? I read a joke about being here off after asking how much is traumatic, but I don't actually know what that is. What like, what counts Okay. as traumatic? Like, what would happen to me for me to get former insurance? Okay. Yep. Okay. So trauma insurance is a policy that pays a tax free lump sum amount on the event that you're diagnosed with a critical illness. So a trauma policy covers it's just over 40 defined, diagnosable conditions, and they range from different type yeah. To different types of cancer to stroke, heart attack, and just depending on the severity of it. And, typically, what that type of policy is for is, usually, in those cases, when you see a trauma claim, recovery is likely. It's just that it's designed to help with the the financial Intermediate. stress that comes with those. Yeah. That's So probably not a bad idea. the out of pocket medical expenses, those types of things, because even in the public system, unfortunately, with some some illnesses, there is still always an out of pocket. So it's it's probably something worth looking at. Tamara does have some. She's insured for a 100,000 for your trauma insurance. So if you is there any specific amount you would like cover for, or would you like me to go away and work an amount that's Yeah. Maybe just amount that's suitable to them when they come back at the I'm guessing I have a $100 mark should suitable? Yep. just about cover it. Alright.","start_word":3231,"end_word":3659,"sentiment":"neutral","sentiment_score":0.006940177878438732},{"text":"Beautiful.","start_word":3660,"end_word":3660,"sentiment":"positive","sentiment_score":0.4632672965526581},{"text":"In some cases, your income protection might kick in. It just really depends on the the trauma is kind of like a fail safe. So you've got a four week waiting period, thirty days on your income protection. So what that means is if a doctor says, you know, for example again, I'll use yesterday, someone was diagnosed with I don't know. Maybe he suffered a heart attack. It was of the right not the right. Sorry. But the it met the conditions of a claimable event. You might be back at work within a five, six week period of time frame. That means you're not gonna get your income protection. You might get a week or two. Yep. But you might also decide that you're not ready to go back to work. So that's where this this kind of falls into place. It gives you that leeway to make that decision. Like, you might go, actually, you know what?","start_word":3661,"end_word":3820,"sentiment":"neutral","sentiment_score":-0.08359720865264535},{"text":"I'm I'm not ready.","start_word":3821,"end_word":3824,"sentiment":"negative","sentiment_score":-0.38519227504730225},{"text":"Yeah.","start_word":3825,"end_word":3825,"sentiment":"neutral","sentiment_score":-0.3258006274700165},{"text":"I need Fuck you. I'm another having few eight weeks weeks.","start_word":3826,"end_word":3836,"sentiment":"negative","sentiment_score":-0.4632612466812134},{"text":"off.","start_word":3837,"end_word":3837,"sentiment":"neutral","sentiment_score":-0.3223389983177185},{"text":"I nearly died.","start_word":3838,"end_word":3840,"sentiment":"negative","sentiment_score":-0.4785903096199035},{"text":"Yeah. Yeah. Exactly. So that's kind of the benefit of the trauma insurance in that respect. It gives you the ability to make a decision because, unfortunately, even when we are diagnosed with things meeting the standards of not being medically fit for work is Machado.","start_word":3841,"end_word":3886,"sentiment":"neutral","sentiment_score":-0.18250346183776855},{"text":"difficult.","start_word":3887,"end_word":3887,"sentiment":"negative","sentiment_score":-0.35501956939697266},{"text":"Sorry? Machado. Yeah. Yeah. Yep. So I'll have a look at that for you as long as well as your income protection too. No. Tomorrow, we've got your hub 24 at the balance at 202,587 Mhmm. for your super. You've got your policies are structured a little bit differently mainly because I do note that you had an exclusion for breast cancer and ovarian cancer on your TPD income protection and trauma cover. Yeah. Is there I a had family my history sister there? passed away from it. But, this is actually something I wanted to talk to you about. So I was awaiting a genetics test to see if I held the BRCA gene, which caused cancer, and I don't Yep. I don't have it. So I don't know if I can send that through to you or have, and then I can get covered for breast cancer because I've been cleared for the genetic markers for it. Okay. Okay. Beautiful.","start_word":3888,"end_word":4049,"sentiment":"neutral","sentiment_score":-0.08530264347791672},{"text":"First of all, I'm sorry to hear of your loss. That's awful. That's okay.","start_word":4050,"end_word":4063,"sentiment":"negative","sentiment_score":-0.4502794700009482},{"text":"Leave that with me. I'll investigate and revert back to you, Yep. and we can definitely go from there. I'll find out what the insurance company says. Yep. But based on your financial your I'll go back to life in a minute for both of you. But your income protection sitting at 8,166 a month. Are you happy with that amount? Yeah. That's fine.","start_word":4064,"end_word":4127,"sentiment":"neutral","sentiment_score":0.02310413122177124},{"text":"Beautiful.","start_word":4128,"end_word":4128,"sentiment":"positive","sentiment_score":0.5519049167633057},{"text":"Okay. And you've got your trauma cover sitting at a 100,000, and you also hold a little hold your TPD outside of super as well, which costs you a little bit per month out of your personal cash flow. Yep. And that just helps with the definitions of being eligible to have a TPD claim. That's why it's structured that way. Are you happy with Yeah. that? That's fine. Yes. So with your life insurance policies for both of you, Jake, you're insured for just shy of 1,000,000. Yep. Tamara, you are insured I'm just gonna quickly add them up because there's a couple of different policies. And, Tamara, if we are able to remove that, we might be able to get combine some of your policies for you to clean it up for you. You're insured for life insurance for about $840,000. Yep. I I guess the question is, are you both comfortable with that level of cover? Did you wanna look at increasing it based on debt? What are your goals? I mean, it's gonna I cover think if your if, debt anyway. yeah, if one of us were to pass, 800 to 1,000,000 is plenty. And if I have children, Yep. for Yep. example, that would Yep. keep me out of trouble Yep. Alright. quite easily, I think, for some time. So I don't see a reason to up it. Performance reports. So the if I'm hoping, if you can confirm that that's the next document for you both. Yeah. I Beautiful. I'm going through it now, but can I can't seem to go back? Might have to jump out and reopen it.","start_word":4129,"end_word":4404,"sentiment":"neutral","sentiment_score":0.028279978781938553},{"text":"I'm not sure how to go back.","start_word":4405,"end_word":4411,"sentiment":"negative","sentiment_score":-0.4171636700630188},{"text":"I'm sorry. I don't Okay. I'm So not which very paid you? I'm sorry. we're up to the The performance? 20 Yep. four. Yep. So Yep. the first one I've got up is Jake. Is that what you're seeing? Yep. Yep. So performance wise, if you look at the second page, you'll see a net performance of 1.66%.","start_word":4412,"end_word":4469,"sentiment":"neutral","sentiment_score":-0.014188574627041817},{"text":"Now not great. There is a reason for that.","start_word":4470,"end_word":4478,"sentiment":"negative","sentiment_score":-0.4483315944671631},{"text":"So that's net of fees.","start_word":4479,"end_word":4483,"sentiment":"neutral","sentiment_score":-0.23040159046649933},{"text":"If you look at the first page, you'll see the Bennelong Australian Equities Fund with a negative return of 15.01%. Now to explain why that's happened, it's not that the Australian share market itself has performed badly.","start_word":4484,"end_word":4520,"sentiment":"negative","sentiment_score":-0.4447290003299713},{"text":"It's Benelong's investment mandate. So their mandate is being an active manager, which means they will look at the Australian share market and the companies within there and try and identify undervalued assets or growth opportunities.","start_word":4521,"end_word":4556,"sentiment":"neutral","sentiment_score":-0.18661044538021088},{"text":"Now, unfortunately, it has become a a negative return that we're Sorry.","start_word":4557,"end_word":4568,"sentiment":"negative","sentiment_score":-0.6101559996604919},{"text":"can Can over you appear speak up? What what else is trying to do? Yeah. You're kinda breaking up sorry. or something. Sorry. We Hang can't on. speak up here Let very me well. see. Sorry. No. That's okay. Sometimes it's this headset and the the volume on it. Is that a bit better? I just turned it up. That's Is right. that yeah. Okay. Sorry about that. I'll start again. Bennelong has not performed well, it's not a it's it's just that their investment mandate. So what they do is they look at the Australian share market and try to identify companies that are undervalued for growth opportunities. Growth winners in the market. So it's not that the share Australian share market has plummeted or not performed. It's that the has plummeted or not performed. It's that the Benelong's mandate hasn't aligned with how the market has actually performed. So what we're doing is we don't rush to replace underperforming assets. We take a an approach based on observation, education, looking at the market, the trends. And what we've identified is that we do wanna look at replacing the Bannalong Australian Equities Fund because the that we don't agree with their investment mandate at the present time.","start_word":4569,"end_word":4776,"sentiment":"neutral","sentiment_score":-0.1450509141700772},{"text":"So Yeah. that has had a negative impact on your portfolio because as you can see from the rest of your portfolio, it performs very well. So that's what's brought down your overall return. The fact that Ben along hasn't been able to well, the market hasn't, you know, performed in the way that suitable for their investment mandate.","start_word":4777,"end_word":4835,"sentiment":"negative","sentiment_score":-0.5885173082351685},{"text":"So if it's okay with you, what I wanna do is have a look at your whole portfolio to make sure that it's still in line with what you're hoping to achieve and also look Yep. at alternatives for Benelon. Yep. Yep. Any questions about your portfolio as a whole? No. Not really. Other than Ben along socks. Yes. So I'm just looking at the passenger charge around else, and, yeah, he Yeah.","start_word":4836,"end_word":4908,"sentiment":"neutral","sentiment_score":0.018598057329654697},{"text":"kind of fucking jumped the ball there.","start_word":4909,"end_word":4915,"sentiment":"negative","sentiment_score":-0.6067320108413696},{"text":"Yeah. At twenty Yep. '4, '21, seven '13, '31, like, Yep. they all did pretty well. Yep. So you've got a fair few satellite one. We call them satellites. So they're the ones that float around your bigger assets in the portfolio, and you've got quite a few, let's call them niche. So you've got your global global cyber. You have your global battery tech and lithium, which are great performers in the last twelve months due to, you know, the ongoing development of AI and the need for cybersecurity. Battery tech and lithium took a boost recently because of the conflict in Iran and, you know, the petrol Yeah. the diesel and petrol and all that sort of stuff. But you also have a great exposure to the whole world. So you've got some Asia and Europe exposure. You've got some American exposure. And so along with global, you've got some niche markets as well and also economies exposure. So it's a it's a good it's a good allocation, but as performance of the portfolio as a whole, but Benelon itself is one that we definitely need to look at alternatives. Yep. Yep. The next document is yours, Tamara, with performance. So you do not hold the panel on. Yep. Yep. So your net return was 5.37. The one in your policy that policy, sorry, portfolio that I'd like to probably just have a look at is the first one, the bank hybrids. So you don't have a significant exposure to them, but the banking Mhmm. system in Australia is changing. And from January 2027, the bank hybrids will be phased out. What I'm doing with the clients that I speak to and is just being proactive in a sense because I don't know what's gonna happen. They're performing well at the moment. You know, the rate the income produced off them is is pretty what we'd expect from a bank hybrid, but I don't know what the replacement alternative the banks are gonna offer. So what I'm wanting to do is do a little bit of research for the client for my clients just to look at alternatives rather than wait Yeah. and see. I'd like to be a little bit more proactive in that respect, if that's alright with you. Yeah. Yeah. Go for it. Yep. Your portfolio as well, you have you've got your Global Cyber in there. You've got some Gold Holding. Both your portfolios are a little bit different. You've got, rather than a lot of niche little, satellites, you've got more, country exposure. So you've got some Europe, Japan, the all world, world, excluding The US, but you've also got your US S and P 500 exposure. So yours is Yep. more economy based rather than satellite and niche based. So are you are you happy with your portfolio? Do you wanna have a look at alternatives in relation? Yeah.","start_word":4916,"end_word":5402,"sentiment":"neutral","sentiment_score":0.07244493212604425},{"text":"You guys are killing Or it.","start_word":5403,"end_word":5408,"sentiment":"negative","sentiment_score":-0.4059271216392517},{"text":"Yeah. It's obviously, like, with the economy at the moment, Mhmm. like, we've Mhmm. just seen a massive up, but, Mhmm. obviously, we're expecting some pretty shitty times Yeah. moving And and forward. And well, I'm that trying to, like if you can look at things that can perform in a recession, Yep. because Yep. that's where we're going. Things that you know, common sense things that the world is sort of moving towards that can try and avoid this big bust. Yeah. Yep. So, like, I got gold there, I see, but, you Yep. know, things like, you know, AI investment sort of thing, resources, like, copper's expected to go up. I don't know how that would work. Just, yeah, things that would not tank out or avoid Yeah. tanking Yep. out during a massive recession because that's where we're headed. Yeah. Okay. So the next document I've definitely made notes of that, so I'm gonna have a look at that within your portfolio. The next document is probably a really good one. It's called the Vanguard index chart. Is that what you see? Yeah.","start_word":5409,"end_word":5594,"sentiment":"neutral","sentiment_score":-0.003969757106675896},{"text":"Beautiful.","start_word":5595,"end_word":5595,"sentiment":"positive","sentiment_score":0.4492988586425781},{"text":"So this probably links really well into concerns about recessions and fluctuations or what that's a nice way of saying it. Let's just call it what it is, volatility. So at the Yeah. both of you are invested as well, Jake, you're invested as an aggressive risk profile, which means basically, you're happy to have about a 100% of your superannuation invested in the top four. So on the right hand side of the page, you'll see US shares, Australian shares, international, and Australian listed property. They're what we call our growth assets. So your risk profile at the moment says that you're happy to invest a 100% of your superannuation funds within that sector. Now it's No. not. Your portfolio is not. You have about 93% of your funds invested in those top across those top four with about Yep. seven in defensive assets being your the next two down, bonds and cash. So are you still comfortable taking that approach? Yep. No. I probably decrease my exposure Yep. to my Yep. risk given Yep. the the assumed volatility coming up. Mhmm. So in that sense, what I'm gonna do is explain how Tamara is invested, and you can let me know your comfort level with that. Alternatively, we can then also go and complete a risk profile. So, Tamara, you're invested as a high growth investor, which is the step down from Jake. And what Mhmm. that means is you would typically have 90% invested in those top 410% invested in the bottom two. Now your portfolio at the moment is literally sitting at ninety ten. So you've got 90% Yes.","start_word":5596,"end_word":5868,"sentiment":"neutral","sentiment_score":0.10888813932736714},{"text":"of your funds invested in those top four, which is why which is the growth you've seen.","start_word":5869,"end_word":5885,"sentiment":"positive","sentiment_score":0.3786434829235077},{"text":"Now when you Yep. look at that chart, you'll see that those top four are the most volatile. Along Yeah. along the top, just you'll see some black writing. They're events that have occurred in time that have impacted the market, whether it be negatively or positively. And what Yeah. this chart is what I like to use this chart when talking to clients is is to show you, yes, events happen, that the market re and how the market reacts to certain events. For example, war, you know, the market can react extremely positively.","start_word":5886,"end_word":5980,"sentiment":"neutral","sentiment_score":-0.00423535006120801},{"text":"COVID nineteen, as I'm sure you remember, it tanked miserably. It's tank.","start_word":5981,"end_word":5992,"sentiment":"negative","sentiment_score":-0.3734194040298462},{"text":"Yeah.","start_word":5993,"end_word":5993,"sentiment":"neutral","sentiment_score":-0.18121007084846497},{"text":"The Australian listed stuff hit Yep. the worst.","start_word":5994,"end_word":6001,"sentiment":"negative","sentiment_score":-0.41732949018478394},{"text":"It's a really Yep. good time to have just bought a house. And, like, basically, anything Australian, but international seemed to fare a little bit better. Like, the dip wasn't as Yeah. aggressive. Exactly. Yep. So what I for from because we're talking about your superannuation, for example, Jake, based on today's legislation, you've got about thirty years until you can access your super. Tamara, you've got about twenty three years. So Mhmm. when we talk about your tolerance to risk, we also look at time frame. Now if we consider the fact that you're not able to access for those amount of years that I just suggested, a high growth portfolio, the way you're invested tomorrow, suggests you have to be invested for a minimum of eight years to withstand and ride the wave of market downturns. So given it's your superannuation and you've got limitations as in when you can access it, that's a different scenario if we're talking about personally held investments where you might wanna be a little bit more conservative because Yeah. you're Yeah. you'd be accessing it. So from the, you know, first reward, I like to call it passing the sleep at night test. You know, you don't wanna be having anxiety about the market, but we also probably need to take into consideration that you have significant time on your hand to take risk and ride it out in relation That's to your true. super. If we were talking about a personally held investment, a different story Sorry. because it would be accessible, and it might be short term that you're looking to invest for or, like, with short term goals. And by short term, I do probably mean at least a seven year time frame. But yeah. So I I think based on that, I'd be interested to understand your thoughts on how you'd like your superannuation invested, indication of My thoughts really haven't changed since the previous one. Like, you guys so you've done quite well with what I've got there. And like you said, I Yep. do have I can't access it for twenty three years. Yep. So Yep. I suppose Yep. if there is a downturn like, I I lived through the two thousand and eight financial crisis. My Yep. house didn't Yep. go Yep. up in value for ten years. Like, I understand. Mhmm. It was Yep. terrible. Buy Yep. a house. But you ride it out. Yes. And Mhmm. Buy a house during COVID. Well yeah. That Let's get another pandemic. I so are you happy to maintain a high growth approach tomorrow? I think so. Yeah. Yeah. Yep. At this stage.","start_word":6002,"end_word":6447,"sentiment":"neutral","sentiment_score":-0.021490989004433025},{"text":"I'm not I'm not overly like, what Jake's high risk is because, you know, I am older too.","start_word":6448,"end_word":6465,"sentiment":"negative","sentiment_score":-0.3353843688964844},{"text":"I Yep.","start_word":6466,"end_word":6467,"sentiment":"neutral","sentiment_score":-0.1980448067188263},{"text":"don't wanna Yep. risk too much.","start_word":6468,"end_word":6473,"sentiment":"negative","sentiment_score":-0.34846460819244385},{"text":"At least I Yep. have 10% in, you know, more stable Mhmm. sort of investment. Yep. And So, you what know, about as yourself? long as I Yep. Jake wants to probably drop it a bit to my level. Yeah. He just said yeah. Yeah. I think so. As long as that makes sense to you. I Yeah. mean, Yeah. you tell me. But, yeah, I just sort of figure if there there is likely a recessive period coming Mhmm. on. I mean, I'll still be pretty risky, but I might drop down to, like, ninety ten, not a 100. Yeah. Yep. No. That makes sense. And and it's it's also not necessarily about what I think or and it it's your comfort level. So if you're given how you're feeling about the future economy and where things are sitting, if you're more comfortable with a ninety ten, I think that that's the right decision to be made for yourself at this time. And, again, we are we're constantly we meet and we talk and we discuss things annually. And if things change, we adjust then or earlier if you if there's something that you need to reach out to us before then. Yep. So there's sorry? Just hang that with Alba Tate. Super. Yeah. The yeah. Yeah. Right?","start_word":6474,"end_word":6692,"sentiment":"neutral","sentiment_score":0.0400424525141716},{"text":"No.","start_word":6693,"end_word":6693,"sentiment":"negative","sentiment_score":-0.3536389172077179},{"text":"I don't like that national asset that we use. Like, woah. Woah. Woah. Woah. Woah. Woah. It's I my think asset. that the I don't know.","start_word":6694,"end_word":6719,"sentiment":"neutral","sentiment_score":-0.23050625622272491},{"text":"Get the fuck I away from me. yeah. I think that'd be a big uproar if I tried that, and there'd be some serious consequences there.","start_word":6720,"end_word":6745,"sentiment":"negative","sentiment_score":-0.512734055519104},{"text":"But, yeah, I wouldn't say it's more it's not so much my attitude to risk. Like, realistically, I have thirty years.","start_word":6746,"end_word":6766,"sentiment":"neutral","sentiment_score":-0.13455452024936676},{"text":"If it dropped fucking twenty, thirty, 40% one year, it's not like I'd shit in the bed about whatever.","start_word":6767,"end_word":6785,"sentiment":"negative","sentiment_score":-0.6594103574752808},{"text":"Yep. But I just Yep.","start_word":6786,"end_word":6790,"sentiment":"neutral","sentiment_score":-0.15169291198253632},{"text":"think it's probably more likely than not that the market will go down.","start_word":6791,"end_word":6803,"sentiment":"negative","sentiment_score":-0.4600834846496582},{"text":"And then I think in the long term, I'll probably end up making more money being slightly more defensive now. That makes Yeah. sense. And you guys sound pretty financially astute. You know, if if a just a question. If the market was to take a turn, what what do you think you would do? Would you sit and wait? Would you Yeah. invest Nothing. some more? I don't know. Super to me is, like, that would be great if that pans out when I'm 60 Yep. and I've got a bunch of money, but it's by no means what I'm, like, relying on. Like, I'm Yes. 30. I'm a I'll probably pay this house off in the next year or two. I got that investment property.","start_word":6804,"end_word":6930,"sentiment":"neutral","sentiment_score":-0.08437817543745041},{"text":"I kinda see that as my actual defense of, like because the market shit itself, we had a massive downturn.","start_word":6931,"end_word":6950,"sentiment":"negative","sentiment_score":-0.38432157039642334},{"text":"Yes. Yes.","start_word":6951,"end_word":6952,"sentiment":"neutral","sentiment_score":-0.19689731299877167},{"text":"We both lost our jobs, not that we'd wanted, and we could sell our investment property, pay this one off clear, and not work for fucking two or three years, and it wouldn't Still really affect being our financially.","start_word":6953,"end_word":6991,"sentiment":"negative","sentiment_score":-0.3622612953186035},{"text":"lives. That to me is Yep. my thought of, like, actual defense. Yep. Beautiful. Yeah. Super is like yeah. In thirty years, wouldn't it be nice if I had an extra fucking million or $2? That'd be awesome. But Yep. I'm Yep. not actually conducting it either way, if That makes sense? Yep. Like, I'm assuming I'm It just does. not getting anything. That that's my assumption, and Well, I don't I think might you as need well to assume that, so we'll make sure. No. Like, you We'll know, like, I'm preparing to have you know, you'll ideally, you've got if I sold this house, I got a million dollars. I can move in the other one when I'm 60, yeah. and I You've don't got need you've my got sofa. a But backup plan. Yeah. Yep. No. I like that. Okay. So the next couple of documents are your insurance, just your certificates of currency. So it just shows that they're in fourth, what you're insured for, we've been over those Yep. a couple already. So that's just for your information, basically. I'm gonna go away and look at the IP and trauma for you, Jake. No. The so after all those certificates of currency, I think there's about four of them, Yep. we go into the Oakview services guide. So that's our financial services guide. It tells you who we are, who we're licensed by, that we're licensed with ASIC. So, you know, we tick all the proper boxes, Yep. how we provide advice, the type of advice we provide, our general fee structure, and probably the most important part of that document, to be honest with you, is the complaints process. You know, it sure that, you know, it is clear how complaints can be made should you feel that you need to.","start_word":6992,"end_word":7298,"sentiment":"neutral","sentiment_score":-0.022434693036133768},{"text":"So that's on The the lovely photo of Connor too. That's definitely my second favorite part. That's why, mate.","start_word":7299,"end_word":7317,"sentiment":"positive","sentiment_score":0.47600382566452026},{"text":"That's why we go here. Yeah. No. It's import it's an important document because it does outline, you know, if we do if you feel we do the wrong thing, which I should hope would never be the case, but it is it's there in any case for you to refer to. And Hello? and the FSG can also be found on the website if you lose your review pack by any means. Yep. The next documents are your ongoing fee arrangement. So this is to continue engaging us as your adviser. So Yep.","start_word":7318,"end_word":7411,"sentiment":"neutral","sentiment_score":0.04398665577173233},{"text":"how this I is have nothing to find.","start_word":7412,"end_word":7419,"sentiment":"negative","sentiment_score":-0.34230858087539673},{"text":"yep. Yep. It it's how it's calculated is on a percent base fee of 1.1. It's discounted because you'll take your client you're you're both clients. You're a couple. Sorry. I'm struggling Yep. to get my words out now. No. You're alright. So how that will work for yourself, Jake, is that will be deducted monthly at approximately $84 a month, your fee, which is Yep. an annual fee of $1,008. Yep. Tamara, yours is gonna be higher because you've got a higher balance, and it is a percent based fee. And yours would sit at Yep. about a $185.70 a month, deducted monthly from your hub account. What that that provides you, the fee, is our rate our annual reviews, but you're not limited in that respect. So should something come up, say, for example, in, I don't know, six months' time, you've seen the account, and the account says, oh, yeah. Go do your sacrifice. Reach out. We'll start that process. If you've got a question about your insurance policies or, you know, one of your mates said to look at this as an investment option, you know, just pick up the phone, give us a call. You're not limited in your contact with us. That's Yep. just how the the fee is based. Yep. So Okay. So my current method is just if inboxing Connor and trying to get this sorted out for me and get someone to call me.","start_word":7420,"end_word":7662,"sentiment":"neutral","sentiment_score":0.06312300752342483},{"text":"beautiful. There you go. If it works, it works.","start_word":7663,"end_word":7671,"sentiment":"positive","sentiment_score":0.5028164386749268},{"text":"So if you are happy to both continue as clients, I ask you to sign those. Not right now, Yep. but, you know, when you're comfortable. And then the last document is just for yourself, Tamara. It's a tax file number form, and it's just letting you know that we hold your tax file number on file from a super and insurance perspective. When that was set up, we had to provide those to make sure that your superannuation isn't taxed at a higher rate rather than an Australian tax resident. So it's just acknowledging that we hold that on file for you and that you're comfortable with that. If not, don't sign it, and we'll try we'll destroy it. But they're the three forms that we do need signing. So any questions about any of that? No. Nope. That's all good. Yep. Nope.","start_word":7672,"end_word":7815,"sentiment":"neutral","sentiment_score":0.13344310839763945},{"text":"That's okay. Fantastic.","start_word":7816,"end_word":7818,"sentiment":"positive","sentiment_score":0.5258413553237915},{"text":"Now I just wanted to just briefly before we finish up is I just wanted to run over the goals and objectives that you both had on file with us previously. I just wanna see if they're still current, if there's a couple of new ones we're gonna look at or that you need us to look at. So, Jake, I'll start with you. Yep. You wanted to focus on completing the renovation on the investment property and pay down the remaining loan on your p primary residence. Still on track for that? Yeah. Renos is done, and we paid off, I don't know, what was it, about $40 off Yep. our main mortgage since last we spoke. So Yep. yeah.","start_word":7819,"end_word":7939,"sentiment":"neutral","sentiment_score":0.1475183665752411},{"text":"Perfect.","start_word":7940,"end_word":7940,"sentiment":"positive","sentiment_score":0.47653210163116455},{"text":"Sorry. I'm trying to type at the same time. So your retirement goal was in retirement, you'd like to be financial stable and have built enough wealth and investment so you can travel as you please and enjoy your retirement. Still Yeah. Yep. yep. Yep. That's a very creative word. I can buy it kinda originally. Do you okay. So to make it a little bit more under not understandable for me, but so I can track things and keep you know, project things out. It's hard to project things out when you said eight years away from retirement, but it gives me a good idea. In retirement, based on today's dollars, how much do you think you will both need to live comfortably if you 1,000,000,000 if you give dollars. it free? No. No. Sorry. Not as a lump sum, as an income. So would you want 2,000 Oh, dollars a week? So you'd be no. debt Probably, free. like, a $100 a year. So A 100 my intention grand a would year? be that, yeah, that we would sell this place that we live out, our big property, and move into our investment property that's smaller and Yep. by Yep. the water. And between that and super, I'd sort of hope to have, you know, 1 point something million dollars Yep. invested and probably just live on the interest, which is assuming, like, a safe return of anywhere between four and eight taken out 80 to $100,000 a year should be more than comfortable just for like today's money? Yeah. Today's Yep. money. Yep. Just And for today's I don't know. beautiful. Yeah. Probably Fantastic.","start_word":7941,"end_word":8217,"sentiment":"neutral","sentiment_score":0.08297128823421061},{"text":"blow $40 on holidays, buy a fucking wanky four wheel drive on there.","start_word":8218,"end_word":8230,"sentiment":"negative","sentiment_score":-0.35370904207229614},{"text":"Buy my kids inheritance if I have them. So Hey. I reckon that's that's the plan. I That's my plan anyway. can So with regards to panic. your super, it just says you wanna maintain a high active management within your super fund, aiming for higher returns while you're younger and don't have Yeah. children. Yep. Alright. Yep. Yeah. Pretty much. Well, on the age I am, like, if it drops 50% right now, I don't really see that as much of an issue. Like, I'm gonna be here for thirty more years at least whether I like it or not. Yep. But it's not I don't I don't really find that that concerning, so I'd rather sort of push quite a bit. Also, I'm still younger and then taper off as I get older. Beautiful. And that would be our plan anyway. As you approach retirement, we do start looking at the allocation to growth assets and adjust where needed. Okay. And the last one is you'd like to ensure the assets that you've built are protected if anything was to happen to your current lifestyle and does not change if work wasn't if you're unable to work. So that refers to your income protection. So we're gonna look at that Yes. to make sure that, you know, that income is there to protect you. Outside of those and the trauma insurance that we're gonna investigate, any Yep. other goals there that you're that you're considering? We'd probably Or both like to get, like, a personal share account going. So we're talking about this Yeah. and, like, we've got, you know, like, say, a million ish dollars in Equity. Equity, but it's Property. pretty much all in our properties.","start_word":8231,"end_word":8520,"sentiment":"neutral","sentiment_score":-0.005015578320057228},{"text":"And, like, that's great.","start_word":8521,"end_word":8524,"sentiment":"positive","sentiment_score":0.6294604539871216},{"text":"And all of them now, I'm sort of starting to feel like, yeah, I might be a bit over leveraged in that. I should start on my own personal share account or gold or something else. Just I I feel like we're a bit too much all eggs in the one basket at the moment. Yep. So diversify, basically? Yeah. Yep. So how were you thinking of doing that? Were you thinking of looking at utilizing some equity in your property to borrow and invest and then contribute regularly from your own cash flow? What were your Probably, yeah, just contributing from, like, cash flow mainly. It sort of depends on what the equity comes thoughts? back at for Yep. this this other place, which is getting valued. Yep. But, Yep. yeah, probably more my own contribution. Yep. And how much were you thinking to Yeah. put in? Would I you don't know. Like, as much as possible. I don't really do, like, a weekly thing. Like I said, I I keep my personal yep. account at $10, and then whatever I have over that at the end of the month, I just Mhmm. paid all that mortgage at the moment. But Yep. if I can make more than like, interest rates are six ten at the moment or whatever they are, like, if I can make sort of eight to 10 in the stock market, then I don't necessarily see that as being that advantageous. Mhmm. Mhmm. Would you Especially, put in a we're getting lump pretty close to being like we got 55 in that offset and the mortgage or 80. Once I get to 80 in savings, then, like, it's not really offsetting anything anymore, yeah. Exactly. Okay. which I So get would pretty close to. you yeah. Yeah. Would you look at doing an initial investment amount or just a regular amount over time? What were you thinking? Yeah. Probably investment Yep. Okay. Typically, how those over time. an investment portfolio would start is there is a minimum balance that we would recommend be invested. So depending on whatever platform we use, it might be a $5,000 minimum balance. So that would be your minimum contribution you'd have to make up front. So Oh, we'd yeah. go That's and fine. we'd go and look at those sorts of things. So based on that, what what are you both comfortable with being the minimum? Because that would help me to kind of look at what options we have. Yeah. At least, like, a 5 To 10. To 10 would be fine. Yeah. Five to 10? Okay. Yep. And as on a regular basis, because I know you said you don't do anything regularly, but the benefit of having a regular investment is essentially what you're doing by default is implementing what we call a dollar cost averaging strategy, which means you're buying investments over time. So one month or, for example, you might be buying assets assets when the market's down. So you're buying them at a reduced rate or a discounted rate. Other times, you could be buying at it when the market's high.","start_word":8525,"end_word":9052,"sentiment":"neutral","sentiment_score":0.07283982579511675},{"text":"So by doing a regular investment, you're taking you're taking advantage of potential ups and downs in the market, which helps the growth of your portfolio over the longer term.","start_word":9053,"end_word":9082,"sentiment":"positive","sentiment_score":0.4879964292049408},{"text":"So even though you wouldn't necessarily you've said that you don't do do things regularly or anything like that.","start_word":9083,"end_word":9101,"sentiment":"neutral","sentiment_score":-0.023630764335393906},{"text":"What we would do is we would probably recommend that for that purpose to help with the long term growth compounding over time.","start_word":9102,"end_word":9124,"sentiment":"positive","sentiment_score":0.40239667892456055},{"text":"So based on your cash flow, because you're you guys are the only ones that really know what you can and what you can afford and also what you're comfortable contributing, what would you look at monthly putting into a portfolio I would say of probably that? do, like, a monthly minimum of 500, and then I'd probably just split whatever I have over $10 between additionally going to the offset and additional payments to that account, Yes. So if you that makes sense. Do you know what I mean? so you'd you'd be comfortable doing, like, a $500, let's just say, direct debit into it, and then you'd make a a monthly contribution with anything left over ad hoc when you see fit? Yeah. Yeah. Pretty much. Probably Okay. do something like that. Probably make sense for us Okay. just because Okay. yeah. No. That Like, I don't know. I don't know. I'll build this so much makes different month to month, depends on the yeah. house. Also, our property, like, if we buy something here, a fence is not cheap. Like, we're spending thousands of dollars. We're on acreage. Yeah. Of course. And then, also, if if we do overcycle, like, our income almost doubles that month. So Yeah. it's Okay. alright. It's quite it's quite unstable, like, the amount. But, yeah, I would say we all I always put something. Like, as a bare minimum, I put 2.5 or 20 Yep. $800 into the other account. But, like, last month, I put 5,800 because I whenever I had it, so I did. Yep. No. That makes sense. So with an investment like that, would you be looking at putting that in joint Yeah. Yeah. I'll just name? put it in Yep. joint names. Yep. So she has access.","start_word":9125,"end_word":9425,"sentiment":"neutral","sentiment_score":0.0882575220716158},{"text":"Beautiful.","start_word":9426,"end_word":9426,"sentiment":"positive","sentiment_score":0.49866676330566406},{"text":"And, like, if I die, there's no rigmarole waiting, any of that kind of crap. She just has a name Yep. on it.","start_word":9427,"end_word":9449,"sentiment":"neutral","sentiment_score":0.116976760327816},{"text":"Beautiful.","start_word":9450,"end_word":9450,"sentiment":"positive","sentiment_score":0.3756459057331085},{"text":"Wait Alright. on it. Alright.","start_word":9451,"end_word":9455,"sentiment":"neutral","sentiment_score":0.2151367962360382},{"text":"Fantastic. I can definitely look at that. So, Tamara, with yours, yours were to review your super insurances and have them best set up and that they're working well for you, which I think we've achieved, but we'd leave that as a continuous goal to make sure that it stays there.","start_word":9456,"end_word":9506,"sentiment":"positive","sentiment_score":0.4607164263725281},{"text":"Yeah. We actually, on yours, you've said income of 100 per year for retirement. Do you both when do you plan on retiring? What's your thoughts ideally? I don't know. Ideal. No. Well, ideally, it's as soon as possible. Yep. But, So like, realistically, yeah. we're facing a country where pensions will not be available when we're of age. Yep. I don't wanna have to rely on that. So that's that's the big one. Like, Yeah. if I can have enough income to pay bills and go on holidays once or twice Yeah. a year, Yep.","start_word":9507,"end_word":9602,"sentiment":"neutral","sentiment_score":0.04354063421487808},{"text":"You know, that that is the ultimate goal there.","start_word":9603,"end_word":9611,"sentiment":"positive","sentiment_score":0.3740831911563874},{"text":"Yep. So given the age gap in between you two, there are lots of strategies that we can do as you get closer to retirement. Ideally, would it be 60, like, tomorrow when you're 60 for retirement, or would it be but Oh, yourself 67 and Jake 60? What are you what are you guys thinking? Would you do you obviously wanna retire at the same time? Sounds no.","start_word":9612,"end_word":9680,"sentiment":"neutral","sentiment_score":0.10989208519458772},{"text":"I wanna sit here for eight years and watch him work. I wanna retire away.","start_word":9681,"end_word":9695,"sentiment":"negative","sentiment_score":-0.3768341541290283},{"text":"yep. It's really just as soon as we hit that that comfortable figure, really, that Yep. we can no longer work or pursue something that we're both more, you know Financially, you can achieve it. yeah. Well, we we can like, I I may still work, but pursue something that I enjoy rather than what I'm chasing for money type thing. What pays the bills? Yeah. I understand. Yeah. Understand. Okay.","start_word":9696,"end_word":9766,"sentiment":"neutral","sentiment_score":-0.04836834967136383},{"text":"Alright. Beautiful.","start_word":9767,"end_word":9768,"sentiment":"positive","sentiment_score":0.4183412194252014},{"text":"We also had your insurances you wanted to review, which you we've done. So your income protection and your trauma. So we what we would do now is just continue to maintain that, you know, it's fit for purpose and it meets your goals and objectives. We'd review it each year. You had the same same goal as Jake in respect to complete renovations, get the investment property, and pay down as much debt as possible on your primary residence, and you and you would like to be debt free in retirement. Absolutely. Yeah. Yeah. Yep. Beside any yeah. Any any goals and objectives there that we have missed or you think need to be included? Surplus. Not really. So we we're just starting we're going to start the process for IVF or for embryo Yep. freezing Yep. or egg retrieval and embryo. Yep. So the the the hurdle close, like, close term is whether we can have children. If we can, we can financially sort of maintain because realistically, I may not be able to work for six months to a Mhmm. year. I can't do FIFA with children at home. Mhmm.","start_word":9769,"end_word":9961,"sentiment":"neutral","sentiment_score":0.0901498647088214},{"text":"So my income will probably substantially drop Yep. in that period.","start_word":9962,"end_word":9972,"sentiment":"negative","sentiment_score":-0.3958342373371124},{"text":"Mhmm. So it's just getting through that together and having Yeah. enough to to live Yeah. live on Yep. Yep. and Obviously. with no Yep. pension. Yeah. Okay. Do you have a time frame where you're thinking of having children? I would say in two years. So I'm Yep. 38 in December. Yep.","start_word":9973,"end_word":10025,"sentiment":"neutral","sentiment_score":0.030854159966111183},{"text":"If I do Beautiful.","start_word":10026,"end_word":10029,"sentiment":"positive","sentiment_score":0.4478448927402496},{"text":"the egg retrieval within the next year, it'll be a a reevaluate everything, see where we're at, because Yeah. it would be extremely difficult right now with all the bills and us looking out where it's for me to completely stop working and also have children at home. Yeah. So Yeah. there might be things that we need to look at Yep. there. Of course. Yep. But Best if of we can't, it's all steam ahead with earning. luck with yeah. Yeah.","start_word":10030,"end_word":10111,"sentiment":"neutral","sentiment_score":-0.036577288061380386},{"text":"Well, best of luck with that. I have two IVF Thank you. babies myself. I know the the journey well.","start_word":10112,"end_word":10131,"sentiment":"positive","sentiment_score":0.390764981508255},{"text":"So if you ever have any any things Obviously, you wanna chat it was about, successful give me a call. for for you. So was it Yes. may I ask how much it cost you? Yeah. Of The course. process? The whole process together, so a whole cycle being egg retrieval, that was about, I think, $12,000 all up, and that included one transfer, and then the transfers were about $3,000 each. So private health covered a little bit of it. Medicare covers a little bit of it, but the No. the other side is is that you hit your oh, gosh. It's escaped me. Your Medicare threshold rather quickly. So or so you you tend to get more back from Medicare after your first your first cycle. So I think out of pocket, it was probably about $8,000 after everything. Oh, that's not too bad. I was I remember horror stories from years ago at being upwards of 20,000 because Yeah. I I haven't been you know, you know, I've Yeah. only just recently looked into this because I've never Yeah. been able to fall pregnant. So, you Yeah.","start_word":10132,"end_word":10321,"sentiment":"neutral","sentiment_score":-0.0018284755317788375},{"text":"know, if it is because I and, like, lucky for you, congratulations, you it works Yeah.","start_word":10322,"end_word":10337,"sentiment":"positive","sentiment_score":0.4096970856189728},{"text":"for you. And a lot of people I know have to go through it three, four times Yeah. Yeah. Well, sort of I went thing. through So two two cycles, two full yep. cycles. The for me, the reason was I had endometriosis pretty bad. That's why I couldn't fall pregnant naturally. But I found that out once I started seeing the specialist, the IVF Yeah. specialist. Okay. So there's lots of reasons. And if you have a good one, they can give you a pretty good idea once they've found out what the issue is It's as a bizarre to it's a bizarre one for me because I went in and I I had the scans and everything, and I had normal ovaries. I have a yep. spot on cycle. Yep. I do get pain, but I don't have children. So, you know, mom had period pain. But Yeah. I just have Yeah. never been able to fall pregnant, and I think it's because I've got a overactive thyroid or used to. Okay. And it's just yeah. One of my mom's sisters just never fell pregnant. She adopted Yeah. Yeah. two back in the day. So I don't I don't know. Yeah. It's a weird family You're probably thing you're probably fine. There's a reason. or I didn't know anything about what. endometriosis until I was Did you have a lot of pain or any yes. Yes. yeah. Yes. Yeah. Still do, That's but usually the the telltale is the pain, and yes.","start_word":10338,"end_word":10591,"sentiment":"neutral","sentiment_score":-0.11998698115348816},{"text":"I'm shit for about two days every month.","start_word":10592,"end_word":10599,"sentiment":"negative","sentiment_score":-0.4804560840129852},{"text":"Yep. Yep. Yep.","start_word":10600,"end_word":10602,"sentiment":"neutral","sentiment_score":-0.020030958577990532},{"text":"And and, unfortunately, the thing with that is is they can't see it on a scan.","start_word":10603,"end_word":10618,"sentiment":"negative","sentiment_score":-0.3439136743545532},{"text":"The only way they actually see it is through what they call a laparoscopy. So, basically, they're going through your belly with a little camera, general anesthetic, and that's when they can properly I can see diagnose it, and they remove it all at that time. So it. I ended Oh, up having wow. both my tubes removed because I I had it that bad. Oh, wow. So yeah. And mine mine I remember my mom when we were younger suffering from pretty much the same things I suffered from, but she wasn't aware what it was back then. Were So your cycles normal? yep. Sorry Yep. if I'm going too deep, but No. I'm No. I'm happy to share because, you know, my my experience is that I had no idea, and I wish yeah. there was more information and education for girls. Because if Yeah. I had have known that that was something, I probably would have been onto it a lot earlier. Yeah. Well, that's the big thing for me too. Like, I feel this genetics test that I was waiting on for the cancer Yep. because, obviously, BRCA the BRCA Yes. gene is lone receptive or generally with fluctuations in hormones triggers cancer. Yes. And the OBG didn't wanna proceed until I had the all clear for that. That was a bit of Of a nerve course. wracking time because if, you know, if I had have been positive Yep. for the BRCA gene, they would have just hysterectomy, get it all Yep. out, do it now before you get cancer. So that was Yeah. a massive Yep. relief. That Yep.","start_word":10619,"end_word":10893,"sentiment":"neutral","sentiment_score":-0.16142338514328003},{"text":"was huge relief, but Yes. Thank gosh.","start_word":10894,"end_word":10900,"sentiment":"positive","sentiment_score":0.42229920625686646},{"text":"now let's go. Yeah. You you've you'll be surprised. There will be a reason. And, you know, I've when I knew nothing about it. And then all of a sudden, out of nowhere, I think probably my sister-in-law ended up having to have IVF because she had endometriosis. One of a couple of my work colleagues, it's Yeah. so, so common. And we just they just there's no way to diagnose it without having a without the doctors actually going in and having a look, unfortunately. Did they investigate that once you started your IVF process, or was that something you've The received sore? prior to that? No. Nope. That was during the whole IVF process. So when I went and saw the IVF doctor, the first thing that they wanted to do was go in and have a quick squeeze to see what was going on because my scans weren't really providing any information. I had a bunch of blood Yeah. tests done to make sure, you know, they check for Hormones and everything. yep. They Yep. check your They and quality as well somehow through your blood, but I know how they do that, but they do. yeah. Yeah. Yeah. Magic. And then Texas like magic. Idiot. yeah. Yep. So the very first thing we did before we even started a IVF cycle, so you're growing your eggs and retrieving them, was the laparoscopy where they went in, and that's when like, he said to me from my just conversation with him was that more than likely, I will be having a tube removed at a minimum just based on the information I gave him, and they ended up removing a fair bit of endo. And, then Did I that went help straight once in they've removed? Yeah. yep. I went straight into a cycle the next Yeah. month, and I fell pregnant the first time around because my insides were nice and clean and suitable for a little baby.","start_word":10901,"end_word":11232,"sentiment":"neutral","sentiment_score":-0.060969016997210954},{"text":"But my next one Awesome.","start_word":11233,"end_word":11237,"sentiment":"positive","sentiment_score":0.3892882764339447},{"text":"my next one, I had a little bit more. I think we went through a full cycle, and we ended up my Jaxi was probably the second last embryo we had left. Yeah. And I think we went through three three transfers before we got Jack's and another full cycle of egg retrievals. Yep. But How was that process? Sorry. I'm I'm very no, I I haven't spoken to many people I about am it.","start_word":11238,"end_word":11312,"sentiment":"neutral","sentiment_score":0.031729911069075266},{"text":"so happy I'm so happy to share.","start_word":11313,"end_word":11319,"sentiment":"positive","sentiment_score":0.5630829334259033},{"text":"It is it is really taxing emotionally just because of the hormones.","start_word":11320,"end_word":11331,"sentiment":"negative","sentiment_score":-0.4713006019592285},{"text":"Jake, Jake's you have gotta to be move out for extremely a month. no, Jake. You've gotta be extremely quiet and supportive, and don't argue about anything. It does I'm the it arguer. I'm not gonna lock it the guns up. I just this is he's gonna lock the guns up. It it does Oh, sorry. it I just does. got a quick call I gotta take. I'll give you over to Jake. No. You're Sorry. you're absolutely fine. Hey. Sorry. I'm back. No.","start_word":11332,"end_word":11415,"sentiment":"neutral","sentiment_score":-0.07580050826072693},{"text":"Thank you You're for absolutely sharing all fine. that with us.","start_word":11416,"end_word":11426,"sentiment":"positive","sentiment_score":0.40987804532051086},{"text":"It's very, very much No. appreciated that because, yeah, we don't really we don't know anyone down here and certainly no one that's gone through IVF. Yeah. No. I'm always happy to have a chat about that. So let tomorrow know if she ever needs needs a chat or, you know, you see the doctor and you wanna share your thoughts and what they've said, I'm always happy to have a chat about that.","start_word":11427,"end_word":11500,"sentiment":"neutral","sentiment_score":0.12617672979831696},{"text":"It's That's awesome. Really. We it's really we both really appreciate that. Thank you.","start_word":11501,"end_word":11514,"sentiment":"positive","sentiment_score":0.5428592562675476},{"text":"yeah. It's really it's a it's a hard road to go down, but as long as you're both on the same team and support each other, it's so much easier. Yeah. No. I'm looking forward to it, like, where Yeah. get it to me if we could. Yeah. Yep. No.","start_word":11515,"end_word":11564,"sentiment":"neutral","sentiment_score":0.17358440160751343},{"text":"I'm sure you guys will absolutely have a positive result.","start_word":11565,"end_word":11574,"sentiment":"positive","sentiment_score":0.3864670991897583},{"text":"It's just We it's the the road you gotta navigate just to get to there. It can be a little bit have an deflating ordeal? at times. Yeah. And, you know, We've been waiting I don't so know. far. Like, we first went two years ago, and, obviously, there's been an excessive waiting, but but Yeah. nothing's been done yet. I mean, it's been two years ago. Do something Yeah. already. Yeah. Come on, man. Hurry up. I would I would definitely ask them to do well, if there are any any decent, they'd do some investigating before you even started because, otherwise, what's the point of wasting all that money if, you know, the the body is not able to hold the little embryo. So yeah. But if you're just doing an egg retrieval cycle, that's different. I mean, you don't necessarily need to know about endometriosis until you do the transfer. Yeah. I think you Yeah. Yeah. But I've made always the running joke, and it would be funny if we did all this genetic testing because we end up paying for it out of pocket because yep. anyway, whenever we just had to pay for it, then we did Yep. all of this, and then it turns out I was there all the time. It was just been a running joke. Like, we jumped through hoops to pay for ourselves, and we finally get the checking of my foot off.","start_word":11575,"end_word":11817,"sentiment":"neutral","sentiment_score":-0.16299693562366344},{"text":"They're like, oh, you know, sterile the whole time. What a fucking waste of time.","start_word":11818,"end_word":11832,"sentiment":"negative","sentiment_score":-0.5283870100975037},{"text":"No. No. No. I'm They'll sure it'll test all be all fine. that too. Hey. I'll be They'll test so mad. all that for you too.","start_word":11833,"end_word":11858,"sentiment":"neutral","sentiment_score":-0.17906956374645233},{"text":"I mean, I'm not doing that. Why don't we do this first, you fucking asshole?","start_word":11859,"end_word":11873,"sentiment":"negative","sentiment_score":-0.44350114464759827},{"text":"I could Yeah.","start_word":11874,"end_word":11876,"sentiment":"neutral","sentiment_score":-0.21422705054283145},{"text":"do all this shit beforehand.","start_word":11877,"end_word":11881,"sentiment":"negative","sentiment_score":-0.3939934968948364},{"text":"Exactly. Oh, well, I hope everything goes well.","start_word":11882,"end_word":11889,"sentiment":"neutral","sentiment_score":0.2193887084722519},{"text":"I'm very excited to hear how you go.","start_word":11890,"end_word":11897,"sentiment":"positive","sentiment_score":0.6091033220291138},{"text":"Thank you. Do you have a doctor down there that you you're seeing? Yeah. Yeah. It was doctor Yep. Ben, his last name. He's Indian fellow. Lovely guy. I can't for the life Yeah. of me say his last name. I'd say Yep. just Ben to me. Yep. Fair enough. Fair enough.","start_word":11898,"end_word":11949,"sentiment":"neutral","sentiment_score":-0.024035964161157608},{"text":"Well, I I really look forward to hearing how you guys go. Thank you.","start_word":11950,"end_word":11963,"sentiment":"positive","sentiment_score":0.6821694374084473},{"text":"And, also, please tell Tamara if she I know it's a pretty lonely road. Just When I back did to it, me I there. didn't Thank you for the information. I appreciate oh, you no. That's okay. telling me stuff about I it because, you know, the doctor's just like, yeah. We'll just go in and get your was eggs, and then we'll yep. we'll fertilize Yep. them. And then, you know, you you will have some, and then we'll put them in. I'm like, cool. I know that. Yep. Yep. Yeah. So Tell as me I more. was just saying to Jake was, if you're just doing the egg retrieval and freezing, the laparoscopy is not probably really urgent. But before you do a transfer, definitely have Yeah. the insides That's looked out because otherwise, it won't it won't stick, basically, mhmm. Yeah. and Okay.","start_word":11964,"end_word":12109,"sentiment":"neutral","sentiment_score":-0.01915854588150978},{"text":"it sucks.","start_word":12110,"end_word":12111,"sentiment":"negative","sentiment_score":-0.4248700737953186},{"text":"Yeah. I heard that a lot of women struggle through the egg retrieval process because the hormones are just so Mhmm. bad, and and you struggle a bit, Yeah. but it Yeah. yeah. Be I prepared know what it's to put like on to some have weight. PMS in it. Yeah.","start_word":12112,"end_word":12162,"sentiment":"neutral","sentiment_score":-0.14262661337852478},{"text":"I imagine that's 10 times worse. Everything's I emotional.","start_word":12163,"end_word":12171,"sentiment":"negative","sentiment_score":-0.37490659952163696},{"text":"yeah. Definitely, everything's emotional. Probably prepared to put on some weight.","start_word":12172,"end_word":12182,"sentiment":"neutral","sentiment_score":-0.27016279101371765},{"text":"Like, the the hormones really do mess with you. Weight, I know everyone that I've spoken to does not significantly, but you'll feel a lot more bloated and look a lot more bloated than you probably generally are.","start_word":12183,"end_word":12220,"sentiment":"negative","sentiment_score":-0.4053706228733063},{"text":"And, yeah, I mean, it's just it'll go back it'll go back to normal, but you will feel very, very bloated. So is it, like, an injection once a day for a month or something and then they go in? Or Yeah. It depends. So depending on what drugs they decide you need or hormones, it can be a couple of different injections a day, one injection a day for a period of two weeks, and then it will change for a to a different one. So they'll give you a schedule and a run sheet basically that with all your drugs and a needle box to take home. And yeah. Yeah. But most of them you know, like an EpiPen? Yeah. Most Yeah. of them most of them are like that these days. I think I only had one that I was an actual injection needle during the egg retrieval phase. But, again, that was a little while seven to ten years ago now for my two, so things have probably changed a lot since then as well. Yeah. Coming. It's probably easier with in respect to the the administration of the hormones.","start_word":12221,"end_word":12414,"sentiment":"neutral","sentiment_score":-0.013425008461032948},{"text":"So definitely worthwhile doing.","start_word":12415,"end_word":12418,"sentiment":"positive","sentiment_score":0.5078015327453613},{"text":"But, yeah, I'm as I was just saying to Jake, if if he's got any questions or you're not sure of anything or you just want someone to talk to that's been through it, I'm happy to sit here and have a chat. No. Thank you.","start_word":12419,"end_word":12464,"sentiment":"neutral","sentiment_score":0.18554474413394928},{"text":"Thanks for being forward with it too.","start_word":12465,"end_word":12471,"sentiment":"positive","sentiment_score":0.5211260318756104},{"text":"It's Yeah.","start_word":12472,"end_word":12473,"sentiment":"neutral","sentiment_score":0.2472439557313919},{"text":"nice Absolutely.","start_word":12474,"end_word":12475,"sentiment":"positive","sentiment_score":0.40356189012527466},{"text":"nice to hear of other people's experiences before you kinda step in it blind Yes. because, you know, It is. now my Yeah. sister It had is hers scary. naturally, my other sister, and my mother struggled to fall pregnant but did. And Yep. I've just Yep. I've not even had a scare my entire Yeah. life. You know, it's like, oh, okay. Well, something's going on there. Yeah. Yeah. Both my sisters have fallen pregnant naturally, but not me, so I understand that. Are you the third child? No. I'm the first. Oh. They're the youngest. So yeah. So, yeah, they they were fine. But in saying that as well, I was older. When I had mine, they were younger, so that might Yeah. have had something to do with it as well. Yeah. My sister was, like, 21 when she fell. Yeah. Yeah. Yep. So My mom was older when she fell pregnant, so she Yeah. she had her first at 26 and her last at 41. Yeah. Yeah. Okay. Yeah.","start_word":12476,"end_word":12648,"sentiment":"neutral","sentiment_score":-0.04051093212355768},{"text":"So, yeah, I think you'll get you'll definitely get some information from your doctor, and they'll be able to help you Yeah.","start_word":12649,"end_word":12670,"sentiment":"positive","sentiment_score":0.36096855998039246},{"text":"navigate Yeah. what's going on It and how you can reminded me now to send those do details it. through them because I haven't done that yet. Yes. You must do that. Damn. Alright. Well, do you have any questions for me from an advice perspective at the moment? I have one, which I probably Yes. jumped with the gun by about twenty years here. But No. when given, like, the difference in age between the expired, obviously, they're gonna access her super before May. Mhmm. Mhmm. When we get close to that age, is there a way to, like, join super accounts and effectively, like, sneak getting access to my super by rolling it into hers or you you know what I'm trying to get at? Yes. I do.","start_word":12671,"end_word":12800,"sentiment":"neutral","sentiment_score":0.025209641084074978},{"text":"Unfortunately, no. The reason being Fuck. is you wouldn't have reached your preservation age yet.","start_word":12801,"end_word":12815,"sentiment":"negative","sentiment_score":-0.4849649965763092},{"text":"So what you're thinking of is probably something where we would maximize age pension if it was there, where we would roll if Tamara was at age pension age, we would roll cash out her super and look at contributing it to yours and sheltering it in yours because it wouldn't be assessable by Centrelink until you reach the age pension age. So that's one way. And by then, you would have reached preservation age so you could access your super through ad hoc withdrawals, etcetera. But that's one way to maximize age pension for a period of time until you reach age pension Now we would just investigate that as we got closer, and that's what I was referring to given the age gap between the two of you. There are Yeah. for retirement purposes. And as we get closer to that, there are things that we can do. But as I mentioned before, if you wanted to both retire when Tamara was 60, would look at utilizing her to substitute your income within yours kicking in at a later date. So we'd leave yours Yeah. invested and growing, and yours would kick in at a later date and substitute What have than we tomorrow's. spent down the other one? Yeah. Yeah. Yeah. So so So you there's can things do the opposite and avoid having super early so you can get an age pension, but you can't really give her my super and get access to it earlier. Like, we're hoping, yeah. Because you you know, like, if everything keeps tracking the way it tracks, by the time tomorrow is 60, can't we yeah. don't have both these places outright, having a bit of personal shares, and, you know, each have a million dollars in super. And, you know, well, I don't need to work anymore. Even Yep. though I'm only 53, say, or whatever Yep.","start_word":12816,"end_word":13133,"sentiment":"neutral","sentiment_score":0.010518116513325734},{"text":"the fuck.","start_word":13134,"end_word":13135,"sentiment":"negative","sentiment_score":-0.5071433186531067},{"text":"Yeah. Is that right? 60 or two? Yeah. 50 Yep. three. I don't know. I don't actually need to work. I Yep. don't I don't wanna avoid I'm not trying to get more pension. Do quite the opposite. I'm trying to just fund fucking leave Yep. me Yeah. Yeah. Well, it's always, you know, at the end of the day, if if it's still around then alone. and things like that, there's strategies that we can use to avoid drawing on your super and using your personal wealth. So, you know, I always terrible to say, but, you know, free money for a period of time if you can Yeah. get I it mean to okay. supplement No your tax. income. I'll definitely take it if it exists. I'm just Yeah. not that confident Exactly. that it will. Yeah. So they're they're just things we keep an eye on over over time, and they're not things that we need to consider now. But as retirement approaches, we'd definitely be looking at those type of different type of strategies that would benefit you both in the lead up to retirement. Yep. Cool. Yeah. Yeah. I just thought I'd ask because I yeah. I have no idea how that works. Obviously, no one here being old enough to access it, but we sort of No. ask. That's Yeah. It works. no. But, yeah, that was bad, Ab really.","start_word":13136,"end_word":13371,"sentiment":"neutral","sentiment_score":-0.03486581816006515},{"text":"absolutely fine. Alright. Beautiful. And are you both happy with annual reviews, Yeah.","start_word":13372,"end_word":13384,"sentiment":"positive","sentiment_score":0.39600828289985657},{"text":"Yeah. or Yeah. would you like yeah. Yeah? Okay. Yeah.","start_word":13385,"end_word":13394,"sentiment":"neutral","sentiment_score":0.11430051922798155},{"text":"Beautiful.","start_word":13395,"end_word":13395,"sentiment":"positive","sentiment_score":0.5862058997154236},{"text":"And you're And fine. as I said, any questions in the meantime between now, your next review? My job from here is I'm going away to do some homework, some research on insurance investments, and then I am gonna one of our team will reach back out to you in about two weeks to book in a time for a second meeting, which we will Yep. accommodate when you guys are off swing at home and present the advice to make the changes that we're gonna look at. Yep. Sorry. We also need a copy of tomorrow's genetics thing just to see if the insurance can cover it Absolutely. now. I'm not sure if she I'm through that with Send you or it not? through to Ma'am? me. Absolutely. I one of my action items is to check with the insurer Yes. whether Beautiful. they will consider removing the exclusion. But, yeah, send it through to me, and we'll see what they say. And then, additionally, you know, we might be able to say to another insurance see if there's another insurance company that wouldn't apply an exclusion based on Yeah. the fact that Cool.","start_word":13396,"end_word":13590,"sentiment":"neutral","sentiment_score":0.04983256384730339},{"text":"you've had the genetic test. So, Awesome. yeah, send it through to me, and we'll go from there. Awesome. Thank you. Appreciate it. No worries. I'll speak to you both soon, and enjoy the rest of your day. Alright. Thank you.","start_word":13591,"end_word":13631,"sentiment":"positive","sentiment_score":0.5384647846221924},{"text":"Bye. Okay. Bye.","start_word":13632,"end_word":13634,"sentiment":"neutral","sentiment_score":0.21502642333507535}],"average":{"sentiment":"neutral","sentiment_score":0.0013549521430335871}}}}