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That's absolutely fine. Alright. Pop Katrina through. Hi, Katrina. My name is Larissa. How are you going? Yeah. Not bad. It's a Friday. We're getting there. So the whole I guess, my role as a as an adviser, as a financial planner, is to be able to to work individually with each of my clients. And every client that I talk to and work with is different because everyone's goals differ. Now with respect to your goals and, I guess, this whole conversation today, the the reason why, you know, even though you spent a lot of time with my team putting together and and providing the information you've provided, it lets me actually learn who you are and and what, I guess, is a priority for you over anything else and what, you know, what you may wanna receive advice on irrespective of the goals that you may have set for yourself. Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little incidental down of about $10,000 and try and get the car loan paid off as well. Is that something you want advice on being, like, cash flow or just something that you're personally setting for yourself? Yeah. No. That's okay. And, look, sometimes I have clients that have personal goals, and every year, I just check-in with them and go, how are you going on that goal? And it's, I guess, an accountability partner. So more than happy to be an accountability partner for you. Now I can see you also have, I I guess, like, a a retirement goal with respect to your super, and you're wanting to get to that $900,000 mark, which is fantastic. Now currently, you obviously have your ART or Australian Retirement Trust Fund, and you're sitting there at that sort of $112,000 mark. So still still a little bit away from that that goal, but yeah. But the good thing is is that you have plenty of time. So we're sitting really well. You you're you haven't waited until you're 60 to try and do something about it, which is good. We're we're we've still got plenty of time to be able to look at it. Now we're looking to retire by the age of 65. Is that that's correct? And can I ask why is that the age you've chosen? Is that just because that's the time and age for you? Or But old enough to be able to access the benefits that allow you to hang up the hat. That's okay. That's okay. Well, we've got still a good twenty three years. Sorry to be the bearer of that bad news. No. It doesn't. It does not. And with three kids under underfoot, those years roll faster and faster every year. Perfect. Now you've quoted, like, a thousand dollars a week. Can I ask why that's the the figure we've chosen? Because I can see based on your no. That's okay. Because just based on your income, because you're earning $90,000 a year currently, That would put your your weekly income at about $13.50, which indicates to me, based on the fact that we're not really saving too too much each week at the moment, that your your income needs probably sit around that $13.50 each week. So is that sort of something a little bit more realistic? Yeah. Obviously, we have the car loan at the moment, which is okay because, obviously, once that car loan's paid off, we'll have a little bit more discretionary spending, maybe some holiday funds to be able to sort of do something there because that's $770 a month. So that's quite a bit across the year to be able to put towards some holidaying when we retire. So that's rough math to be just under $10. So that'll be yeah. That'll be good. Alright. Cool. $10 could still get us a pretty decent holiday each year. Perfect. Now we're looking at doing some travel as well, which is good. So we sort of catered for that. So making sure that we're kind of hitting that probably anywhere between 13 to $1,500 a week in income when we do retire would be really good to be able to facilitate those travel and our expenses. Amazing. Now with the kids, can I ask, income wise, we're on $90,000, and that's from our job? But when it comes to the kids, I know that you've recently divorced. Do we have a family agreement? Is there any custody arrangements or child support that gets paid? Yep. Yeah. Yeah. Oh, Taylor's older than that, unfortunately. Yeah. So not not not even worth mentioning. That's no. That's okay. Look. I've I think the the worst tale I heard was four kids, and it was Okay. Alright. So it basically kind of put put fuel in the car so you can run the kids around. That's about it. No. Not putting fuel. Yes. Yeah. Yeah. So he's he's basically filling up the car once every once a month for you. That's about it. Yep. Okay. Fair enough. I do not know what type of car you had. Yeah. It's it's enough to keep you out of trouble, but not really touch sides. Okay. Alright. So at the moment, we're renting. Are we do we wanna look at purchasing a house? Is that something that we're wanting to Yeah. But it's probably something when the kids are a little bit older and either contributing themselves or yeah. Okay. That's alright. Okay. So outside of that, with respect to, I guess, the insurance because I can see that we do have a bit of a an insurance goal. We're wanting to make sure that the kids are obviously looked after. And at the moment, we don't have any income protection, which means that if you're ill, injured, unable to work, that prevents you from having an income. So what I can look at is I can definitely look at the income protection, looking at making sure we're covering your income. But with the the life and total permanent disability insurance so life insurance pays out if you were to pass away. Total permanent disability insurance pays out if you were ill, injured, and never able to work again. And they're lump sum benefits that are paid to either you or your estate, like, the kids in this instance. Is there a figure you had in mind specifically for life insurance that you would want to leave the kids? Because there is a there is a calculation that I can often do, which is, you know, how old the kids are times by, you know, your income, you know, to to get an an estimated amount that would be needed for them to be able to continue their current lifestyle until they became adults. There's sort of that kind of, you know, calculation that gives you a a bit of a a a guideline. But sometimes people have a figure in mind that they wanna leave the kids. They, you know, they wanna set the kid up with a $100,000 each because then they have a decent deposit or whatever the case may be. Do you have a figure at all? Yep. Yeah. Absolutely. That's that that that gives them more than enough for a deposit. It sets them up on their way. It gives them foundation to be able to continue, you know, someone to to help them through the next few years as well. Absolutely. So that would be basically $600,000 in life cover to help the kids out with, you know, what they need. Then for you with total current disability because total current disability is is basically a lump sum replacement of your income if you were never never able to work again. So sometimes we will replace debt as in, you know, for yourself, just have a lump sum amount that would buy you a house or, you know, buy you a house and then also replace your income for the remainder of your working life. Obviously, higher the benefit, the higher the premiums get, and I wanna be reasonable with it. I wanna make sure that we're aiming towards the retirement goal and not just focusing on protecting you in the event that something does happen. But, obviously, if we underinsure, it's a risk you need to understand that, you know, without enough insurance, if if something does happen to you, then we're not gonna have enough to cover. So what I generally do as a as a bit I guess, a bit of rule of thumb is if you don't have a figure in mind that you wanna definitely have it as cover, I look at what your income is. I look at disability support pension as a as a offset. So that's basically $30 a year that you don't have to cover, which for yourself would pull your income needs down to about $40 a year. And it'll be $40 a year times by the number of years that you have left to work. And then I would also subtract off the couple of years that your income protection policy would cover you for. And in that, I would make sure that you had the capacity to be able to buy a house. So I can use that as a rule of thumb, obviously, focusing a lot on making sure the premiums are not going to affect your retirement, though. Is that sort of a guide you want me to follow? Okay. Cool. So I will look at the insurance side of things, make sure that I'm researching everything on that front. Now when it comes to the debt to your superannuation and and how you're invested, I can see you're a bit of a conservative investor. So that's okay. What I wanna look at is because ART is very, very intrinsically Never easy, is it? With the superannuation side, like, the ART fund is very much an index investment. It's a group pooled investment that doesn't give you flexibility. So what I'll look at is I'll look at diversity of investments within the fund, making sure that I'm focusing on keeping things, you know, easy to manage for you, keeping things, you know, conservative but still growing, and focusing on making sure that you're so fine. That's okay. Always. There we go. Yeah. So we're gonna look at like, I'm gonna look at making sure that I'm I'm keeping in line with, like, your like, you're a little bit more of a conservative lane, but focusing on getting decent growth out of the investments. So I don't wanna you know, everything in one area. I don't wanna pool the investments too much or get too heavy with you know, in any one sector. So, you know, you've got your mining sectors, and you've got your minerals, and you've got education, health, all that kind of stuff. So I don't wanna obviously get too weighted in one sector. I wanna make sure we have good diversity across the market so that way we're able to ebb and flow as the market ebb and flow. Now the insurance is what I will also look at, and I'll look at making sure that we can put some strong estate planning in place as well to make sure that your assets are protected for the kids moving forward. Outside of that, the other goals that you had, as you said, you were pretty much, like, personally just budget planning and going from there. So I will what I'll do from here is I'll start putting together research. So I go away and I, you know, research with other providers, research your current your current investment, make sure I've got a good understanding as to how it's invested and where where it's sitting. And then I put together a document called a statement of advice, and then we go from there with regards to basically having a bit of a conversation about the all the all the details that I put together. That's right. You are so good. So I will talk to you next week when I have that statement of advice put together. Absolutely, darling. We will. I'll talk to you then. Have a good rest of the day. Hopefully, it gets easier. 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morning, America. Oh. I think I have two bookings at four now, but that's cool. That's fine. I have her name at Trina.\n\nYeah. Okay. Oh, so Austin is her married name, and North La is her no. That's absolutely fine. Alright.\n\nPop Katrina through. Hi, Katrina. My name is Larissa. How are you going? Yeah.\n\nNot bad. It's a Friday. We're getting there. So the whole I guess, my role as a as an adviser, as a financial planner, is to be able to to work individually with each of my clients. And every client that I talk to and work with is different because everyone's goals differ.\n\nNow with respect to your goals and, I guess, this whole conversation today, the the reason why, you know, even though you spent a lot of time with my team putting together and and providing the information you've provided, it lets me actually learn who you are and and what, I guess, is a priority for you over anything else and what, you know, what you may wanna receive advice on irrespective of the goals that you may have set for yourself. Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little incidental down of about $10,000 and try and get the car loan paid off as well. Is that something you want advice on being, like, cash flow or just something that you're personally setting for yourself? Yeah. No.\n\nThat's okay. And, look, sometimes I have clients that have personal goals, and every year, I just check-in with them and go, how are you going on that goal? And it's, I guess, an accountability partner. So more than happy to be an accountability partner for you. Now I can see you also have, I I guess, like, a a retirement goal with respect to your super, and you're wanting to get to that $900,000 mark, which is fantastic.\n\nNow currently, you obviously have your ART or Australian Retirement Trust Fund, and you're sitting there at that sort of $112,000 mark. So still still a little bit away from that that goal, but yeah. But the good thing is is that you have plenty of time. So we're sitting really well. You you're you haven't waited until you're 60 to try and do something about it, which is good.\n\nWe're we're we've still got plenty of time to be able to look at it. Now we're looking to retire by the age of 65. Is that that's correct? And can I ask why is that the age you've chosen? Is that just because that's the time and age for you?\n\nOr But old enough to be able to access the benefits that allow you to hang up the hat. That's okay. That's okay. Well, we've got still a good twenty three years. Sorry to be the bearer of that bad news.\n\nNo. It doesn't. It does not. And with three kids under underfoot, those years roll faster and faster every year. Perfect.\n\nNow you've quoted, like, a thousand dollars a week. Can I ask why that's the the figure we've chosen? Because I can see based on your no. That's okay. Because just based on your income, because you're earning $90,000 a year currently, That would put your your weekly income at about $13.50, which indicates to me, based on the fact that we're not really saving too too much each week at the moment, that your your income needs probably sit around that $13.50 each week.\n\nSo is that sort of something a little bit more realistic? Yeah. Obviously, we have the car loan at the moment, which is okay because, obviously, once that car loan's paid off, we'll have a little bit more discretionary spending, maybe some holiday funds to be able to sort of do something there because that's $770 a month. So that's quite a bit across the year to be able to put towards some holidaying when we retire. So that's rough math to be just under $10.\n\nSo that'll be yeah. That'll be good. Alright. Cool. $10 could still get us a pretty decent holiday each year.\n\nPerfect. Now we're looking at doing some travel as well, which is good. So we sort of catered for that. So making sure that we're kind of hitting that probably anywhere between 13 to $1,500 a week in income when we do retire would be really good to be able to facilitate those travel and our expenses. Amazing.\n\nNow with the kids, can I ask, income wise, we're on $90,000, and that's from our job? But when it comes to the kids, I know that you've recently divorced. Do we have a family agreement? Is there any custody arrangements or child support that gets paid? Yep.\n\nYeah. Yeah. Oh, Taylor's older than that, unfortunately. Yeah. So not not not even worth mentioning.\n\nThat's no. That's okay. Look. I've I think the the worst tale I heard was four kids, and it was Okay. Alright.\n\nSo it basically kind of put put fuel in the car so you can run the kids around. That's about it. No. Not putting fuel. Yes.\n\nYeah. Yeah. So he's he's basically filling up the car once every once a month for you. That's about it. Yep.\n\nOkay. Fair enough. I do not know what type of car you had. Yeah. It's it's enough to keep you out of trouble, but not really touch sides.\n\nOkay. Alright. So at the moment, we're renting. Are we do we wanna look at purchasing a house? Is that something that we're wanting to Yeah.\n\nBut it's probably something when the kids are a little bit older and either contributing themselves or yeah. Okay. That's alright. Okay. So outside of that, with respect to, I guess, the insurance because I can see that we do have a bit of a an insurance goal.\n\nWe're wanting to make sure that the kids are obviously looked after. And at the moment, we don't have any income protection, which means that if you're ill, injured, unable to work, that prevents you from having an income. So what I can look at is I can definitely look at the income protection, looking at making sure we're covering your income. But with the the life and total permanent disability insurance so life insurance pays out if you were to pass away. Total permanent disability insurance pays out if you were ill, injured, and never able to work again.\n\nAnd they're lump sum benefits that are paid to either you or your estate, like, the kids in this instance. Is there a figure you had in mind specifically for life insurance that you would want to leave the kids? Because there is a there is a calculation that I can often do, which is, you know, how old the kids are times by, you know, your income, you know, to to get an an estimated amount that would be needed for them to be able to continue their current lifestyle until they became adults. There's sort of that kind of, you know, calculation that gives you a a bit of a a a guideline. But sometimes people have a figure in mind that they wanna leave the kids.\n\nThey, you know, they wanna set the kid up with a $100,000 each because then they have a decent deposit or whatever the case may be. Do you have a figure at all? Yep. Yeah. Absolutely.\n\nThat's that that that gives them more than enough for a deposit. It sets them up on their way. It gives them foundation to be able to continue, you know, someone to to help them through the next few years as well. Absolutely. So that would be basically $600,000 in life cover to help the kids out with, you know, what they need.\n\nThen for you with total current disability because total current disability is is basically a lump sum replacement of your income if you were never never able to work again. So sometimes we will replace debt as in, you know, for yourself, just have a lump sum amount that would buy you a house or, you know, buy you a house and then also replace your income for the remainder of your working life. Obviously, higher the benefit, the higher the premiums get, and I wanna be reasonable with it. I wanna make sure that we're aiming towards the retirement goal and not just focusing on protecting you in the event that something does happen. But, obviously, if we underinsure, it's a risk you need to understand that, you know, without enough insurance, if if something does happen to you, then we're not gonna have enough to cover.\n\nSo what I generally do as a as a bit I guess, a bit of rule of thumb is if you don't have a figure in mind that you wanna definitely have it as cover, I look at what your income is. I look at disability support pension as a as a offset. So that's basically $30 a year that you don't have to cover, which for yourself would pull your income needs down to about $40 a year. And it'll be $40 a year times by the number of years that you have left to work. And then I would also subtract off the couple of years that your income protection policy would cover you for.\n\nAnd in that, I would make sure that you had the capacity to be able to buy a house. So I can use that as a rule of thumb, obviously, focusing a lot on making sure the premiums are not going to affect your retirement, though. Is that sort of a guide you want me to follow? Okay. Cool.\n\nSo I will look at the insurance side of things, make sure that I'm researching everything on that front. Now when it comes to the debt to your superannuation and and how you're invested, I can see you're a bit of a conservative investor. So that's okay. What I wanna look at is because ART is very, very intrinsically Never easy, is it? With the superannuation side, like, the ART fund is very much an index investment.\n\nIt's a group pooled investment that doesn't give you flexibility. So what I'll look at is I'll look at diversity of investments within the fund, making sure that I'm focusing on keeping things, you know, easy to manage for you, keeping things, you know, conservative but still growing, and focusing on making sure that you're so fine. That's okay. Always. There we go.\n\nYeah. So we're gonna look at like, I'm gonna look at making sure that I'm I'm keeping in line with, like, your like, you're a little bit more of a conservative lane, but focusing on getting decent growth out of the investments. So I don't wanna you know, everything in one area. I don't wanna pool the investments too much or get too heavy with you know, in any one sector. So, you know, you've got your mining sectors, and you've got your minerals, and you've got education, health, all that kind of stuff.\n\nSo I don't wanna obviously get too weighted in one sector. I wanna make sure we have good diversity across the market so that way we're able to ebb and flow as the market ebb and flow. Now the insurance is what I will also look at, and I'll look at making sure that we can put some strong estate planning in place as well to make sure that your assets are protected for the kids moving forward. Outside of that, the other goals that you had, as you said, you were pretty much, like, personally just budget planning and going from there. So I will what I'll do from here is I'll start putting together research.\n\nSo I go away and I, you know, research with other providers, research your current your current investment, make sure I've got a good understanding as to how it's invested and where where it's sitting. And then I put together a document called a statement of advice, and then we go from there with regards to basically having a bit of a conversation about the all the all the details that I put together. That's right. You are so good. So I will talk to you next week when I have that statement of advice put together.\n\nAbsolutely, darling. We will. I'll talk to you then. Have a good rest of the day. Hopefully, it gets easier.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, America.","start":1.8399999,"end":4.18,"sentiment":"positive","sentiment_score":0.35750142733256024},{"text":"Oh.","start":9.36,"end":9.86,"sentiment":"neutral","sentiment_score":-0.07432075589895248},{"text":"I think I have two bookings at four now, but that's cool.","start":30.93,"end":33.67,"sentiment":"neutral","sentiment_score":0.08548664922515552},{"text":"That's fine.","start":43.665,"end":45.125,"sentiment":"neutral","sentiment_score":0.20566464960575104},{"text":"I have her name at Trina.","start":47.105,"end":49.204998,"sentiment":"neutral","sentiment_score":0.09192181751132011}],"sentiment":"neutral","sentiment_score":0.12445348004500072,"num_words":24,"start":1.8399999,"end":49.204998},{"sentences":[{"text":"Yeah.","start":54.58,"end":55.08,"sentiment":"neutral","sentiment_score":0.07575331628322601},{"text":"Okay.","start":63.46,"end":63.940002,"sentiment":"neutral","sentiment_score":0.02764490805566311},{"text":"Oh, so Austin is her married name, and North La is her no.","start":63.940002,"end":75.525,"sentiment":"neutral","sentiment_score":-0.0002354432183962602},{"text":"That's absolutely fine.","start":75.525,"end":76.725,"sentiment":"neutral","sentiment_score":0.11747392515341441},{"text":"Alright.","start":76.725,"end":77.125,"sentiment":"neutral","sentiment_score":0.15695764124393463}],"sentiment":"neutral","sentiment_score":0.03209036206336398,"num_words":19,"start":54.58,"end":77.125},{"sentences":[{"text":"Pop Katrina through.","start":77.125,"end":78.424995,"sentiment":"neutral","sentiment_score":0.18350168565909067},{"text":"Hi, Katrina.","start":97.795006,"end":98.695,"sentiment":"neutral","sentiment_score":0.22870474308729172},{"text":"My name is Larissa.","start":98.755005,"end":99.555,"sentiment":"neutral","sentiment_score":0.18491807579994202},{"text":"How are you going?","start":99.555,"end":100.535,"sentiment":"neutral","sentiment_score":0.26362045481801033},{"text":"Yeah.","start":102.435005,"end":102.935005,"sentiment":"neutral","sentiment_score":0.1455715298652649}],"sentiment":"neutral","sentiment_score":0.21054572824920928,"num_words":14,"start":77.125,"end":102.935005},{"sentences":[{"text":"Not bad.","start":102.995,"end":103.635,"sentiment":"neutral","sentiment_score":0.2160492092370987},{"text":"It's a Friday.","start":103.635,"end":104.535,"sentiment":"neutral","sentiment_score":0.11049547046422958},{"text":"We're getting there.","start":105.155,"end":106.2,"sentiment":"neutral","sentiment_score":0.08033919924249251},{"text":"So the whole I guess, my role as a as an adviser, as a financial planner, is to be able to to work individually with each of my clients.","start":107.96,"end":117.56,"sentiment":"neutral","sentiment_score":0.14056160866186537},{"text":"And every client that I talk to and work with is different because everyone's goals differ.","start":117.56,"end":123.325,"sentiment":"neutral","sentiment_score":0.044377663638442755}],"sentiment":"neutral","sentiment_score":0.10926286220761403,"num_words":53,"start":102.995,"end":123.325},{"sentences":[{"text":"Now with respect to your goals and, I guess, this whole conversation today, the the reason why, you know, even though you spent a lot of time with my team putting together and and providing the information you've provided, it lets me actually learn who you are and and what, I guess, is a priority for you over anything else and what, you know, what you may wanna receive advice on irrespective of the goals that you may have set for yourself.","start":125.065,"end":149.5,"sentiment":"neutral","sentiment_score":0.2344076679792346},{"text":"Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little incidental down of about $10,000 and try and get the car loan paid off as well.","start":151.795,"end":165.45,"sentiment":"neutral","sentiment_score":0.15932093009663126},{"text":"Is that something you want advice on being, like, cash flow or just something that you're personally setting for yourself?","start":165.77,"end":171.15,"sentiment":"neutral","sentiment_score":0.11396240033209323},{"text":"Yeah.","start":174.09,"end":174.41,"sentiment":"neutral","sentiment_score":0.03571099042892456},{"text":"No.","start":174.41,"end":174.65,"sentiment":"neutral","sentiment_score":-0.010637793689966202}],"sentiment":"neutral","sentiment_score":0.1919286488310287,"num_words":152,"start":125.065,"end":174.65},{"sentences":[{"text":"That's okay.","start":174.65,"end":175.12999,"sentiment":"neutral","sentiment_score":0.053704382851719856},{"text":"And, look, sometimes I have clients that have personal goals, and every year, I just check-in with them and go, how are you going on that goal?","start":175.12999,"end":181.74501,"sentiment":"neutral","sentiment_score":0.24203772401368176},{"text":"And it's, I guess, an accountability partner.","start":182.125,"end":184.045,"sentiment":"positive","sentiment_score":0.3581632546016148},{"text":"So more than happy to be an accountability partner for you.","start":184.045,"end":187.585,"sentiment":"positive","sentiment_score":0.5995023006742651},{"text":"Now I can see you also have, I I guess, like, a a retirement goal with respect to your super, and you're wanting to get to that $900,000 mark, which is fantastic.","start":188.765,"end":198.32999,"sentiment":"positive","sentiment_score":0.5194697706028819}],"sentiment":"positive","sentiment_score":0.4097104818100416,"num_words":79,"start":174.65,"end":198.32999},{"sentences":[{"text":"Now currently, you obviously have your ART or Australian Retirement Trust Fund, and you're sitting there at that sort of $112,000 mark.","start":200.54999,"end":210.015,"sentiment":"neutral","sentiment_score":-0.08314304307780483},{"text":"So still still a little bit away from that that goal, but yeah.","start":211.755,"end":223.21,"sentiment":"neutral","sentiment_score":-0.2667664151925307},{"text":"But the good thing is is that you have plenty of time.","start":223.21,"end":226.75,"sentiment":"positive","sentiment_score":0.6024314314126968},{"text":"So we're sitting really well.","start":227.53,"end":229.53,"sentiment":"positive","sentiment_score":0.6571578502655029},{"text":"You you're you haven't waited until you're 60 to try and do something about it, which is good.","start":229.53,"end":234.635,"sentiment":"positive","sentiment_score":0.35386570708619225}],"sentiment":"neutral","sentiment_score":0.16553484015166758,"num_words":70,"start":200.54999,"end":234.635},{"sentences":[{"text":"We're we're we've still got plenty of time to be able to look at it.","start":235.655,"end":238.455,"sentiment":"neutral","sentiment_score":0.2351934770743052},{"text":"Now we're looking to retire by the age of 65.","start":238.455,"end":241.015,"sentiment":"neutral","sentiment_score":0.10735093802213669},{"text":"Is that that's correct?","start":241.015,"end":242.235,"sentiment":"neutral","sentiment_score":0.09522715024650097},{"text":"And can I ask why is that the age you've chosen?","start":244.39,"end":247.27,"sentiment":"neutral","sentiment_score":-0.015306178819049488},{"text":"Is that just because that's the time and age for you?","start":247.27,"end":250.31,"sentiment":"neutral","sentiment_score":-0.021882256323640995}],"sentiment":"neutral","sentiment_score":0.0896715166814187,"num_words":51,"start":235.655,"end":250.31},{"sentences":[{"text":"Or But old enough to be able to access the benefits that allow you to hang up the hat.","start":250.31,"end":273.32,"sentiment":"neutral","sentiment_score":0.0454495749191234},{"text":"That's okay.","start":274.1,"end":274.76,"sentiment":"neutral","sentiment_score":0.08320295810699463},{"text":"That's okay.","start":275.22,"end":276.04,"sentiment":"neutral","sentiment_score":0.11320743337273598},{"text":"Well, we've got still a good twenty three years.","start":276.1,"end":278.34,"sentiment":"neutral","sentiment_score":0.006953119817707274},{"text":"Sorry to be the bearer of that bad news.","start":278.34,"end":280.28,"sentiment":"negative","sentiment_score":-0.4634981122281816}],"sentiment":"neutral","sentiment_score":-0.06957420061637716,"num_words":41,"start":250.31,"end":280.28},{"sentences":[{"text":"No.","start":283.205,"end":283.44498,"sentiment":"neutral","sentiment_score":-0.1761949062347412},{"text":"It doesn't.","start":283.44498,"end":284.16498,"sentiment":"neutral","sentiment_score":-0.15248896181583405},{"text":"It does not.","start":284.16498,"end":284.965,"sentiment":"neutral","sentiment_score":-0.13981456061204275},{"text":"And with three kids under underfoot, those years roll faster and faster every year.","start":284.965,"end":290.025,"sentiment":"neutral","sentiment_score":-0.01802503497206739},{"text":"Perfect.","start":292.16498,"end":292.66498,"sentiment":"neutral","sentiment_score":0.3125801682472229}],"sentiment":"neutral","sentiment_score":-0.04001842062210753,"num_words":21,"start":283.205,"end":292.66498},{"sentences":[{"text":"Now you've quoted, like, a thousand dollars a week.","start":292.72498,"end":295.04498,"sentiment":"neutral","sentiment_score":0.04018026155730089},{"text":"Can I ask why that's the the figure we've chosen?","start":295.04498,"end":297.31,"sentiment":"neutral","sentiment_score":-0.0670739807188511},{"text":"Because I can see based on your no.","start":297.31,"end":306.15,"sentiment":"neutral","sentiment_score":-0.15841491054743528},{"text":"That's okay.","start":306.15,"end":306.71,"sentiment":"neutral","sentiment_score":-0.0809701457619667},{"text":"Because just based on your income, because you're earning $90,000 a year currently, That would put your your weekly income at about $13.50, which indicates to me, based on the fact that we're not really saving too too much each week at the moment, that your your income needs probably sit around that $13.50 each week.","start":306.71,"end":332.68,"sentiment":"neutral","sentiment_score":-0.002066910682645227}],"sentiment":"neutral","sentiment_score":-0.021813223850639427,"num_words":85,"start":292.72498,"end":332.68},{"sentences":[{"text":"So is that sort of something a little bit more realistic?","start":332.68,"end":335.1,"sentiment":"neutral","sentiment_score":0.02646820331838998},{"text":"Yeah.","start":336.36,"end":336.68,"sentiment":"neutral","sentiment_score":0.1096087396144867},{"text":"Obviously, we have the car loan at the moment, which is okay because, obviously, once that car loan's paid off, we'll have a little bit more discretionary spending, maybe some holiday funds to be able to sort of do something there because that's $770 a month.","start":336.68,"end":352.315,"sentiment":"neutral","sentiment_score":0.11237400284279948},{"text":"So that's quite a bit across the year to be able to put towards some holidaying when we retire.","start":352.315,"end":356.71002,"sentiment":"neutral","sentiment_score":0.12486069022040618},{"text":"So that's rough math to be just under $10.","start":359.81003,"end":363.27002,"sentiment":"neutral","sentiment_score":0.17073766887187958}],"sentiment":"neutral","sentiment_score":0.1102204097781417,"num_words":86,"start":332.68,"end":363.27002},{"sentences":[{"text":"So that'll be yeah.","start":364.37003,"end":365.25,"sentiment":"neutral","sentiment_score":0.1760563664138317},{"text":"That'll be good.","start":365.25,"end":366.13,"sentiment":"positive","sentiment_score":0.47711560130119324},{"text":"Alright.","start":366.13,"end":366.53,"sentiment":"positive","sentiment_score":0.4348538815975189},{"text":"Cool.","start":366.53,"end":367.03,"sentiment":"positive","sentiment_score":0.5850071907043457},{"text":"$10 could still get us a pretty decent holiday each year.","start":367.41,"end":369.945,"sentiment":"positive","sentiment_score":0.5337481200695038}],"sentiment":"positive","sentiment_score":0.45133313313126566,"num_words":20,"start":364.37003,"end":369.945},{"sentences":[{"text":"Perfect.","start":373.545,"end":374.045,"sentiment":"positive","sentiment_score":0.6040551662445068},{"text":"Now we're looking at doing some travel as well, which is good.","start":374.905,"end":378.665,"sentiment":"positive","sentiment_score":0.3769567236304283},{"text":"So we sort of catered for that.","start":378.665,"end":380.42502,"sentiment":"neutral","sentiment_score":0.30263000300952364},{"text":"So making sure that we're kind of hitting that probably anywhere between 13 to $1,500 a week in income when we do retire would be really good to be able to facilitate those travel and our expenses.","start":380.42502,"end":395.925,"sentiment":"neutral","sentiment_score":0.2926373046797675},{"text":"Amazing.","start":396.145,"end":396.645,"sentiment":"positive","sentiment_score":0.3921801447868347}],"sentiment":"neutral","sentiment_score":0.31837424635887146,"num_words":58,"start":373.545,"end":396.645},{"sentences":[{"text":"Now with the kids, can I ask, income wise, we're on $90,000, and that's from our job?","start":397.025,"end":404.16498,"sentiment":"neutral","sentiment_score":0.09571905434131622},{"text":"But when it comes to the kids, I know that you've recently divorced.","start":404.625,"end":408.48,"sentiment":"neutral","sentiment_score":-0.015181050850794865},{"text":"Do we have a family agreement?","start":409.18,"end":412.4,"sentiment":"neutral","sentiment_score":-0.009510411570469538},{"text":"Is there any custody arrangements or child support that gets paid?","start":412.54,"end":417.52,"sentiment":"neutral","sentiment_score":-0.009813503277572718},{"text":"Yep.","start":424.55502,"end":425.05502,"sentiment":"neutral","sentiment_score":0.014987396076321602}],"sentiment":"neutral","sentiment_score":0.026663471944630146,"num_words":48,"start":397.025,"end":425.05502},{"sentences":[{"text":"Yeah.","start":431.61,"end":432.11,"sentiment":"neutral","sentiment_score":0.06270407140254974},{"text":"Yeah.","start":440.88998,"end":441.38998,"sentiment":"neutral","sentiment_score":-0.046802278608083725},{"text":"Oh, Taylor's older than that, unfortunately.","start":441.85,"end":444.59,"sentiment":"neutral","sentiment_score":-0.2100375530620416},{"text":"Yeah.","start":448.025,"end":448.265,"sentiment":"neutral","sentiment_score":-0.1132580190896988},{"text":"So not not not even worth mentioning.","start":448.265,"end":450.20502,"sentiment":"neutral","sentiment_score":-0.2188946892108236}],"sentiment":"neutral","sentiment_score":-0.18061527307145298,"num_words":16,"start":431.61,"end":450.20502},{"sentences":[{"text":"That's no.","start":450.425,"end":452.425,"sentiment":"neutral","sentiment_score":-0.21290629357099533},{"text":"That's okay.","start":452.425,"end":453.325,"sentiment":"neutral","sentiment_score":-0.15326914936304095},{"text":"Look.","start":453.785,"end":454.105,"sentiment":"neutral","sentiment_score":-0.14412246644496918},{"text":"I've I think the the worst tale I heard was four kids, and it was Okay.","start":454.105,"end":476.695,"sentiment":"negative","sentiment_score":-0.40277068712748587},{"text":"Alright.","start":481.075,"end":481.475,"sentiment":"neutral","sentiment_score":0.002433223184198141}],"sentiment":"neutral","sentiment_score":-0.3326532328713008,"num_words":22,"start":450.425,"end":481.475},{"sentences":[{"text":"So it basically kind of put put fuel in the car so you can run the kids around.","start":481.475,"end":486.80002,"sentiment":"neutral","sentiment_score":-0.039122595762213074},{"text":"That's about it.","start":486.80002,"end":487.78,"sentiment":"neutral","sentiment_score":-0.16437570750713348},{"text":"No.","start":493.92,"end":494.24,"sentiment":"neutral","sentiment_score":-0.22696992754936215},{"text":"Not putting fuel.","start":494.24,"end":495.30002,"sentiment":"neutral","sentiment_score":-0.2238383342822393},{"text":"Yes.","start":503.68503,"end":503.845,"sentiment":"neutral","sentiment_score":0.0585392490029335}],"sentiment":"neutral","sentiment_score":-0.0783569049090147,"num_words":26,"start":481.475,"end":503.845},{"sentences":[{"text":"Yeah.","start":503.845,"end":504.345,"sentiment":"neutral","sentiment_score":0.08916864544153214},{"text":"Yeah.","start":506.96503,"end":507.46503,"sentiment":"neutral","sentiment_score":0.05522626265883446},{"text":"So he's he's basically filling up the car once every once a month for you.","start":508.18,"end":512.58,"sentiment":"neutral","sentiment_score":0.05554396683971087},{"text":"That's about it.","start":512.58,"end":513.48,"sentiment":"neutral","sentiment_score":-0.025912435725331306},{"text":"Yep.","start":513.54,"end":513.94,"sentiment":"neutral","sentiment_score":0.06434081494808197}],"sentiment":"neutral","sentiment_score":0.04591228183181513,"num_words":21,"start":503.845,"end":513.94},{"sentences":[{"text":"Okay.","start":513.94,"end":514.44,"sentiment":"neutral","sentiment_score":0.08803248405456543},{"text":"Fair enough.","start":515.54,"end":516.26,"sentiment":"neutral","sentiment_score":0.0823613665997982},{"text":"I do not know what type of car you had.","start":516.26,"end":518.04,"sentiment":"neutral","sentiment_score":-0.078941710293293},{"text":"Yeah.","start":521.71497,"end":522.21497,"sentiment":"neutral","sentiment_score":0.10746020823717116},{"text":"It's it's enough to keep you out of trouble, but not really touch sides.","start":523.075,"end":527.735,"sentiment":"neutral","sentiment_score":0.07838488529835429}],"sentiment":"neutral","sentiment_score":0.02386381131197725,"num_words":28,"start":513.94,"end":527.735},{"sentences":[{"text":"Okay.","start":528.035,"end":528.535,"sentiment":"neutral","sentiment_score":0.04731529951095581},{"text":"Alright.","start":529.315,"end":529.795,"sentiment":"neutral","sentiment_score":0.07441822439432144},{"text":"So at the moment, we're renting.","start":529.795,"end":533.09,"sentiment":"neutral","sentiment_score":0.04039640165865421},{"text":"Are we do we wanna look at purchasing a house?","start":533.09,"end":535.81,"sentiment":"neutral","sentiment_score":0.08942595645785331},{"text":"Is that something that we're wanting to Yeah.","start":535.81,"end":545.28503,"sentiment":"neutral","sentiment_score":0.06613602244760841}],"sentiment":"neutral","sentiment_score":0.06874844915448473,"num_words":26,"start":528.035,"end":545.28503},{"sentences":[{"text":"But it's probably something when the kids are a little bit older and either contributing themselves or yeah.","start":545.505,"end":552.465,"sentiment":"neutral","sentiment_score":-0.06830281515916188},{"text":"Okay.","start":552.465,"end":552.865,"sentiment":"neutral","sentiment_score":0.03369564935564995},{"text":"That's alright.","start":552.865,"end":553.60504,"sentiment":"neutral","sentiment_score":0.060399379581213},{"text":"Okay.","start":554.145,"end":554.625,"sentiment":"neutral","sentiment_score":0.07661350071430206},{"text":"So outside of that, with respect to, I guess, the insurance because I can see that we do have a bit of a an insurance goal.","start":554.625,"end":562.0,"sentiment":"neutral","sentiment_score":0.060824970786388106}],"sentiment":"neutral","sentiment_score":0.012148051600282391,"num_words":48,"start":545.505,"end":562.0},{"sentences":[{"text":"We're wanting to make sure that the kids are obviously looked after.","start":562.0,"end":566.02,"sentiment":"neutral","sentiment_score":0.2737453617155552},{"text":"And at the moment, we don't have any income protection, which means that if you're ill, injured, unable to work, that prevents you from having an income.","start":566.80005,"end":574.505,"sentiment":"neutral","sentiment_score":-0.2508372981791143},{"text":"So what I can look at is I can definitely look at the income protection, looking at making sure we're covering your income.","start":574.645,"end":580.185,"sentiment":"neutral","sentiment_score":0.09226418237971223},{"text":"But with the the life and total permanent disability insurance so life insurance pays out if you were to pass away.","start":580.805,"end":586.02,"sentiment":"neutral","sentiment_score":-0.029161780185642697},{"text":"Total permanent disability insurance pays out if you were ill, injured, and never able to work again.","start":586.18,"end":590.92004,"sentiment":"neutral","sentiment_score":0.022289734772023034}],"sentiment":"neutral","sentiment_score":-0.01599058408290148,"num_words":100,"start":562.0,"end":590.92004},{"sentences":[{"text":"And they're lump sum benefits that are paid to either you or your estate, like, the kids in this instance.","start":592.10004,"end":597.48004,"sentiment":"neutral","sentiment_score":0.16237432993948459},{"text":"Is there a figure you had in mind specifically for life insurance that you would want to leave the kids?","start":597.86005,"end":603.265,"sentiment":"neutral","sentiment_score":0.02581385839730501},{"text":"Because there is a there is a calculation that I can often do, which is, you know, how old the kids are times by, you know, your income, you know, to to get an an estimated amount that would be needed for them to be able to continue their current lifestyle until they became adults.","start":603.725,"end":620.55,"sentiment":"neutral","sentiment_score":-0.00502557869661938},{"text":"There's sort of that kind of, you know, calculation that gives you a a bit of a a a guideline.","start":621.97,"end":625.83,"sentiment":"neutral","sentiment_score":0.03582807667553425},{"text":"But sometimes people have a figure in mind that they wanna leave the kids.","start":626.37,"end":629.17004,"sentiment":"neutral","sentiment_score":0.016060170052306994}],"sentiment":"neutral","sentiment_score":0.034331479478021,"num_words":129,"start":592.10004,"end":629.17004},{"sentences":[{"text":"They, you know, they wanna set the kid up with a $100,000 each because then they have a decent deposit or whatever the case may be.","start":629.17004,"end":635.445,"sentiment":"neutral","sentiment_score":0.06662730342493607},{"text":"Do you have a figure at all?","start":635.445,"end":637.305,"sentiment":"neutral","sentiment_score":-0.016359483557088033},{"text":"Yep.","start":646.33997,"end":646.66,"sentiment":"neutral","sentiment_score":0.1056136190891266},{"text":"Yeah.","start":646.66,"end":647.06,"sentiment":"neutral","sentiment_score":0.24505701661109924},{"text":"Absolutely.","start":647.06,"end":647.56,"sentiment":"positive","sentiment_score":0.3508989214897156}],"sentiment":"neutral","sentiment_score":0.06442675170385176,"num_words":36,"start":629.17004,"end":647.56},{"sentences":[{"text":"That's that that that gives them more than enough for a deposit.","start":647.7,"end":651.4,"sentiment":"neutral","sentiment_score":0.22974248168369135},{"text":"It sets them up on their way.","start":651.62,"end":653.06,"sentiment":"positive","sentiment_score":0.7434285197939191},{"text":"It gives them foundation to be able to continue, you know, someone to to help them through the next few years as well.","start":653.06,"end":659.875,"sentiment":"positive","sentiment_score":0.7212487407352614},{"text":"Absolutely.","start":661.055,"end":661.555,"sentiment":"positive","sentiment_score":0.5383615493774414},{"text":"So that would be basically $600,000 in life cover to help the kids out with, you know, what they need.","start":662.175,"end":669.315,"sentiment":"neutral","sentiment_score":0.33122978881001475}],"sentiment":"positive","sentiment_score":0.503374409226198,"num_words":63,"start":647.7,"end":669.315},{"sentences":[{"text":"Then for you with total current disability because total current disability is is basically a lump sum replacement of your income if you were never never able to work again.","start":670.62994,"end":679.61,"sentiment":"neutral","sentiment_score":-0.0010666290918986002},{"text":"So sometimes we will replace debt as in, you know, for yourself, just have a lump sum amount that would buy you a house or, you know, buy you a house and then also replace your income for the remainder of your working life.","start":679.99,"end":697.315,"sentiment":"neutral","sentiment_score":0.12374145893210714},{"text":"Obviously, higher the benefit, the higher the premiums get, and I wanna be reasonable with it.","start":697.535,"end":702.99,"sentiment":"positive","sentiment_score":0.3705561584793031},{"text":"I wanna make sure that we're aiming towards the retirement goal and not just focusing on protecting you in the event that something does happen.","start":702.99,"end":711.01,"sentiment":"neutral","sentiment_score":0.3052879375219345},{"text":"But, obviously, if we underinsure, it's a risk you need to understand that, you know, without enough insurance, if if something does happen to you, then we're not gonna have enough to cover.","start":711.59503,"end":722.97504,"sentiment":"negative","sentiment_score":-0.3508323905142871}],"sentiment":"neutral","sentiment_score":0.04997468518244254,"num_words":148,"start":670.62994,"end":722.97504},{"sentences":[{"text":"So what I generally do as a as a bit I guess, a bit of rule of thumb is if you don't have a figure in mind that you wanna definitely have it as cover, I look at what your income is.","start":724.34,"end":734.04004,"sentiment":"neutral","sentiment_score":-0.003327850341087296},{"text":"I look at disability support pension as a as a offset.","start":734.5,"end":740.775,"sentiment":"neutral","sentiment_score":0.03938274322585626},{"text":"So that's basically $30 a year that you don't have to cover, which for yourself would pull your income needs down to about $40 a year.","start":741.075,"end":748.775,"sentiment":"neutral","sentiment_score":0.0933583451864811},{"text":"And it'll be $40 a year times by the number of years that you have left to work.","start":748.835,"end":752.53503,"sentiment":"neutral","sentiment_score":0.08400771063235071},{"text":"And then I would also subtract off the couple of years that your income protection policy would cover you for.","start":753.93,"end":759.23,"sentiment":"neutral","sentiment_score":0.08463319540023803}],"sentiment":"neutral","sentiment_score":0.0506458131230285,"num_words":117,"start":724.34,"end":759.23},{"sentences":[{"text":"And in that, I would make sure that you had the capacity to be able to buy a house.","start":761.20996,"end":765.70996,"sentiment":"neutral","sentiment_score":0.1040886864066124},{"text":"So I can use that as a rule of thumb, obviously, focusing a lot on making sure the premiums are not going to affect your retirement, though.","start":768.955,"end":776.09503,"sentiment":"neutral","sentiment_score":0.25040584416301165},{"text":"Is that sort of a guide you want me to follow?","start":776.395,"end":779.53503,"sentiment":"neutral","sentiment_score":0.11136243560097435},{"text":"Okay.","start":781.16,"end":781.48,"sentiment":"positive","sentiment_score":0.4025028645992279},{"text":"Cool.","start":781.48,"end":781.98,"sentiment":"positive","sentiment_score":0.4550674557685852}],"sentiment":"neutral","sentiment_score":0.18341016857805897,"num_words":59,"start":761.20996,"end":781.98},{"sentences":[{"text":"So I will look at the insurance side of things, make sure that I'm researching everything on that front.","start":782.2,"end":787.42,"sentiment":"neutral","sentiment_score":0.17623902151459142},{"text":"Now when it comes to the debt to your superannuation and and how you're invested, I can see you're a bit of a conservative investor.","start":788.04,"end":797.01495,"sentiment":"neutral","sentiment_score":0.0437004055082798},{"text":"So that's okay.","start":798.435,"end":799.33496,"sentiment":"neutral","sentiment_score":0.07428549726804097},{"text":"What I wanna look at is because ART is very, very intrinsically Never easy, is it?","start":799.795,"end":813.49,"sentiment":"neutral","sentiment_score":-0.16979772481136024},{"text":"With the superannuation side, like, the ART fund is very much an index investment.","start":815.87,"end":820.37,"sentiment":"neutral","sentiment_score":-0.013675178268126078}],"sentiment":"neutral","sentiment_score":0.02280119409808865,"num_words":77,"start":782.2,"end":820.37},{"sentences":[{"text":"It's a group pooled investment that doesn't give you flexibility.","start":820.51,"end":823.49,"sentiment":"neutral","sentiment_score":0.04664455279707909},{"text":"So what I'll look at is I'll look at diversity of investments within the fund, making sure that I'm focusing on keeping things, you know, easy to manage for you, keeping things, you know, conservative but still growing, and focusing on making sure that you're so fine.","start":823.895,"end":851.08,"sentiment":"neutral","sentiment_score":0.15755085322134038},{"text":"That's okay.","start":855.305,"end":856.44495,"sentiment":"neutral","sentiment_score":-0.1410576142370701},{"text":"Always.","start":881.465,"end":881.965,"sentiment":"neutral","sentiment_score":-0.09477588534355164},{"text":"There we go.","start":886.585,"end":887.48505,"sentiment":"neutral","sentiment_score":0.0058247676740090055}],"sentiment":"neutral","sentiment_score":0.1192368066440972,"num_words":63,"start":820.51,"end":887.48505},{"sentences":[{"text":"Yeah.","start":890.27997,"end":890.6,"sentiment":"neutral","sentiment_score":-0.055581968277692795},{"text":"So we're gonna look at like, I'm gonna look at making sure that I'm I'm keeping in line with, like, your like, you're a little bit more of a conservative lane, but focusing on getting decent growth out of the investments.","start":890.6,"end":900.22,"sentiment":"neutral","sentiment_score":0.16426957598546657},{"text":"So I don't wanna you know, everything in one area.","start":900.27997,"end":902.71497,"sentiment":"neutral","sentiment_score":-0.008860306069254874},{"text":"I don't wanna pool the investments too much or get too heavy with you know, in any one sector.","start":902.71497,"end":908.435,"sentiment":"neutral","sentiment_score":-0.06585634499788284},{"text":"So, you know, you've got your mining sectors, and you've got your minerals, and you've got education, health, all that kind of stuff.","start":908.435,"end":915.10004,"sentiment":"neutral","sentiment_score":0.05588703294811041}],"sentiment":"neutral","sentiment_score":0.07047871052426227,"num_words":94,"start":890.27997,"end":915.10004},{"sentences":[{"text":"So I don't wanna obviously get too weighted in one sector.","start":915.4,"end":917.96,"sentiment":"neutral","sentiment_score":-0.010637226768515327},{"text":"I wanna make sure we have good diversity across the market so that way we're able to ebb and flow as the market ebb and flow.","start":917.96,"end":924.78,"sentiment":"neutral","sentiment_score":0.25146873123370683},{"text":"Now the insurance is what I will also look at, and I'll look at making sure that we can put some strong estate planning in place as well to make sure that your assets are protected for the kids moving forward.","start":927.245,"end":941.585,"sentiment":"neutral","sentiment_score":0.23909613163006016},{"text":"Outside of that, the other goals that you had, as you said, you were pretty much, like, personally just budget planning and going from there.","start":944.49,"end":952.99,"sentiment":"neutral","sentiment_score":0.12852368324995042},{"text":"So I will what I'll do from here is I'll start putting together research.","start":953.20996,"end":957.38995,"sentiment":"neutral","sentiment_score":0.13361006283334323}],"sentiment":"neutral","sentiment_score":0.18211753739633113,"num_words":117,"start":915.4,"end":957.38995},{"sentences":[{"text":"So I go away and I, you know, research with other providers, research your current your current investment, make sure I've got a good understanding as to how it's invested and where where it's sitting.","start":957.915,"end":967.615,"sentiment":"neutral","sentiment_score":0.10829760368381228},{"text":"And then I put together a document called a statement of advice, and then we go from there with regards to basically having a bit of a conversation about the all the all the details that I put together.","start":968.71497,"end":980.61,"sentiment":"neutral","sentiment_score":0.13911117575107476},{"text":"That's right.","start":983.47,"end":984.37,"sentiment":"neutral","sentiment_score":0.11513438448309898},{"text":"You are so good.","start":1007.81,"end":1008.87,"sentiment":"positive","sentiment_score":0.355910737067461},{"text":"So I will talk to you next week when I have that statement of advice put together.","start":1009.225,"end":1013.725,"sentiment":"neutral","sentiment_score":0.10474731028079987}],"sentiment":"neutral","sentiment_score":0.13041616469314418,"num_words":97,"start":957.915,"end":1013.725},{"sentences":[{"text":"Absolutely, darling.","start":1016.985,"end":1018.045,"sentiment":"positive","sentiment_score":0.8009657263755798},{"text":"We will.","start":1023.0,"end":1023.48,"sentiment":"neutral","sentiment_score":0.16092225536704063},{"text":"I'll talk to you then.","start":1023.48,"end":1024.6,"sentiment":"neutral","sentiment_score":0.29501621425151825},{"text":"Have a good rest of the day.","start":1024.6,"end":1025.8,"sentiment":"positive","sentiment_score":0.45254406120095936},{"text":"Hopefully, it gets easier.","start":1025.8,"end":1027.02,"sentiment":"neutral","sentiment_score":0.19687671959400177}],"sentiment":"positive","sentiment_score":0.3677086170762777,"num_words":20,"start":1016.985,"end":1027.02},{"sentences":[{"text":"Bye.","start":1031.4,"end":1031.9,"sentiment":"neutral","sentiment_score":0.24825677275657657}],"sentiment":"neutral","sentiment_score":0.24825677275657657,"num_words":1,"start":1031.4,"end":1031.9}]}}]},{"alternatives":[{"transcript":"Good morning. This lady is at work, and she's trying to juggle 17 things at once. So I said we will try and do the very speedy abridged version for you so we can get out of her hair. So try and try and do it as quick as you can if if that's possible. She I've booked her for Tuesday at four if we've got her back in time. That's alright. Oh, that's even if we get it back by then. But if we do, great. If we don't and I then she ends up doing it, then I'll just book her in for a follow-up. Katrina North North Duff. She has her married name on her account as well. She hasn't changed that over since she went back to her maiden name. Yep. It's her maiden name, which she's reverted back to, but didn't update her account. Thank you. Thanks for holding. So I've got Larissa on the line. I've let her know that you're busy at work so she's trying to get through what she needs to as quick as possible. Yep. Thanks, mate. Alright. Cheers. You have a good weekend. I'll talk to you next week. Okay. See you. Bye. Good, mate. How are you doing? Yep. Mhmm. Yep. Yep. Just personally setting. Yep. Yep. Yep. Correct. Yep. Only way it's a long way. That's why I'm trying to get help to see what I can do to get get there. Yep. Correct. Yep. Just because it's like the yeah. It's like the standard age. Ideally, it would be black if you didn't have to work for now, it would be great. But we, you know, ideal world can't happen. So, yeah, 65 is just young enough still that you can travel around Australia. Yeah. Yeah. That's right. Yeah. No. Right. Yeah. It doesn't seem that long either, actually. Mhmm. Yep. No. I don't know. That was just the figure that they threw at me when I first was looking. I don't know if that's realistic. I really hadn't looked too much into it. Yeah. Yeah. More realistic. Yeah. Yes. Yeah. That's right. Yep. Yeah. Yep. Perfect. Yeah. Yes. So I do get a little bit of child support, but it's not even worth mentioning. And he gets them every second weekend and half holidays, but decided to cut his job so he didn't have to pay me child support. So every expense for the kid being schooling, sporting, medical is 100% me. So it wouldn't need to be without putting no. No. No. I don't know what mine is, but it yeah. It's definitely, like, for four kids like, three kids, I think I get $300 a month for them. $350 a month, maybe. No. Wouldn't even fuck well, wouldn't even fucking put fuel. Well, once a month, but I go pronto. They do they do three different sports, so a tank of fuel would probably be $300. So a tank of fuel probably wouldn't even last me a week. So it even put fuel in the tank in in the car for me. Mhmm. Mhmm. Yeah. And it's not for lack of asking I ask all the time, but, anyway, it is what it is. Yep. Oh, yeah. 100%. But, you know, if the kids finance would be cool if I could. Yeah. Yep. I don't really, but what would be, like, realistically, if I if there was, like, $200 each? Is that Yep. Yeah. Mhmm. Yeah. Right. Mhmm. Yeah. Mhmm. Yep. Yep. Yep. Do that. That'd be great. Mhmm. Yep. Chuckie still haven't come. I'm gonna have to fucking hop sit over there and get some parts. Fuck my wife. Bye bye. Hi. Oh, yeah. Because I dropped it off there last week. Oh, asking. I was meant to ask him yesterday. Sorry, honey. I've got people yelling at me. What for? Nothing. Hi. Depending on the truck. I was gonna get on the two. Hey. I'm sorry. This is really loud, Hannah. I'm just going up into an office. Wrong time to ring, but I need to get it done. Righto. Quick. What's up? Yeah. Yep. Go on. Thank you. Right. That'd be awesome. Thank you. I'm just gonna go and drop Jerry because they're waiting on my parts right now, and she's meant to be here at 08:00. For that Oh my god. Sorry. Yes. Oh my god. Yep. That'd be awesome. Yeah. Tuesday, I think he booked in, but that'd be awesome. Thank you. And good luck. Happy hunting. And we will talk to you soon. Thanks, doll. You no. It was. 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morning. This lady is at work, and she's trying to juggle 17 things at once. So I said we will try and do the very speedy abridged version for you so we can get out of her hair. So try and try and do it as quick as you can if if that's possible. She I've booked her for Tuesday at four if we've got her back in time.\n\nThat's alright. Oh, that's even if we get it back by then. But if we do, great. If we don't and I then she ends up doing it, then I'll just book her in for a follow-up. Katrina North North Duff.\n\nShe has her married name on her account as well. She hasn't changed that over since she went back to her maiden name. Yep. It's her maiden name, which she's reverted back to, but didn't update her account. Thank you.\n\nThanks for holding. So I've got Larissa on the line. I've let her know that you're busy at work so she's trying to get through what she needs to as quick as possible. Yep. Thanks, mate.\n\nAlright. Cheers. You have a good weekend. I'll talk to you next week. Okay.\n\nSee you. Bye. Good, mate. How are you doing? Yep.\n\nMhmm. Yep. Yep. Just personally setting. Yep.\n\nYep. Yep. Correct. Yep. Only way it's a long way.\n\nThat's why I'm trying to get help to see what I can do to get get there. Yep. Correct. Yep. Just because it's like the yeah.\n\nIt's like the standard age. Ideally, it would be black if you didn't have to work for now, it would be great. But we, you know, ideal world can't happen. So, yeah, 65 is just young enough still that you can travel around Australia. Yeah.\n\nYeah. That's right. Yeah. No. Right.\n\nYeah. It doesn't seem that long either, actually. Mhmm. Yep. No.\n\nI don't know. That was just the figure that they threw at me when I first was looking. I don't know if that's realistic. I really hadn't looked too much into it. Yeah.\n\nYeah. More realistic. Yeah. Yes. Yeah.\n\nThat's right. Yep. Yeah. Yep. Perfect.\n\nYeah. Yes. So I do get a little bit of child support, but it's not even worth mentioning. And he gets them every second weekend and half holidays, but decided to cut his job so he didn't have to pay me child support. So every expense for the kid being schooling, sporting, medical is 100% me.\n\nSo it wouldn't need to be without putting no. No. No. I don't know what mine is, but it yeah. It's definitely, like, for four kids like, three kids, I think I get $300 a month for them.\n\n$350 a month, maybe. No. Wouldn't even fuck well, wouldn't even fucking put fuel. Well, once a month, but I go pronto. They do they do three different sports, so a tank of fuel would probably be $300.\n\nSo a tank of fuel probably wouldn't even last me a week. So it even put fuel in the tank in in the car for me. Mhmm. Mhmm. Yeah.\n\nAnd it's not for lack of asking I ask all the time, but, anyway, it is what it is. Yep. Oh, yeah. 100%. But, you know, if the kids finance would be cool if I could.\n\nYeah. Yep. I don't really, but what would be, like, realistically, if I if there was, like, $200 each? Is that Yep. Yeah.\n\nMhmm. Yeah. Right. Mhmm. Yeah.\n\nMhmm. Yep. Yep. Yep. Do that.\n\nThat'd be great. Mhmm. Yep. Chuckie still haven't come. I'm gonna have to fucking hop sit over there and get some parts.\n\nFuck my wife. Bye bye. Hi. Oh, yeah. Because I dropped it off there last week.\n\nOh, asking. I was meant to ask him yesterday. Sorry, honey. I've got people yelling at me. What for?\n\nNothing. Hi. Depending on the truck. I was gonna get on the two. Hey.\n\nI'm sorry. This is really loud, Hannah. I'm just going up into an office. Wrong time to ring, but I need to get it done. Righto.\n\nQuick. What's up? Yeah. Yep. Go on.\n\nThank you. Right. That'd be awesome. Thank you. I'm just gonna go and drop Jerry because they're waiting on my parts right now, and she's meant to be here at 08:00.\n\nFor that Oh my god. Sorry. Yes. Oh my god. Yep.\n\nThat'd be awesome. Yeah. Tuesday, I think he booked in, but that'd be awesome. Thank you. And good luck.\n\nHappy hunting. And we will talk to you soon. Thanks, doll. You no. It was.\n\nBut, anyway, happy days. Thank you. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":5.3599997,"end":6.18,"sentiment":"positive","sentiment_score":0.3409530967473984},{"text":"This lady is at work, and she's trying to juggle 17 things at once.","start":7.04,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.042545784347956736},{"text":"So I said we will try and do the very speedy abridged version for you so we can get out of her hair.","start":12.135,"end":17.755001,"sentiment":"neutral","sentiment_score":0.031512147220580475},{"text":"So try and try and do it as quick as you can if if that's possible.","start":18.135,"end":22.555,"sentiment":"neutral","sentiment_score":0.0769186899997294},{"text":"She I've booked her for Tuesday at four if we've got her back in time.","start":23.575,"end":28.05,"sentiment":"neutral","sentiment_score":0.03300375267863274}],"sentiment":"neutral","sentiment_score":0.0362399989838845,"num_words":70,"start":5.3599997,"end":28.05},{"sentences":[{"text":"That's alright.","start":33.97,"end":34.53,"sentiment":"neutral","sentiment_score":0.2406127154827118},{"text":"Oh, that's even if we get it back by then.","start":34.53,"end":37.03,"sentiment":"neutral","sentiment_score":0.06860609389841557},{"text":"But if we do, great.","start":37.489998,"end":38.769997,"sentiment":"neutral","sentiment_score":0.2687055140733719},{"text":"If we don't and I then she ends up doing it, then I'll just book her in for a follow-up.","start":38.769997,"end":42.629997,"sentiment":"neutral","sentiment_score":0.04586772602051496},{"text":"Katrina North North Duff.","start":50.395,"end":53.215,"sentiment":"neutral","sentiment_score":0.07383867725729942}],"sentiment":"neutral","sentiment_score":0.09081763828673013,"num_words":41,"start":33.97,"end":53.215},{"sentences":[{"text":"She has her married name on her account as well.","start":54.395,"end":58.96,"sentiment":"neutral","sentiment_score":0.0384964644908905},{"text":"She hasn't changed that over since she went 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doing?","start":101.235,"end":102.135,"sentiment":"positive","sentiment_score":0.3375105783343315},{"text":"Yep.","start":105.475,"end":105.975,"sentiment":"neutral","sentiment_score":0.11884310841560364}],"sentiment":"neutral","sentiment_score":0.2974746719002724,"num_words":10,"start":95.58,"end":105.975},{"sentences":[{"text":"Mhmm.","start":150.34,"end":150.84,"sentiment":"neutral","sentiment_score":0.06105136126279831},{"text":"Yep.","start":161.155,"end":161.655,"sentiment":"neutral","sentiment_score":0.1299077719449997},{"text":"Yep.","start":164.91,"end":165.41,"sentiment":"neutral","sentiment_score":0.07995619624853134},{"text":"Just personally 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hadn't looked too much into it.","start":303.08002,"end":305.58002,"sentiment":"negative","sentiment_score":-0.35354168340563774},{"text":"Yeah.","start":334.38,"end":334.54,"sentiment":"neutral","sentiment_score":0.03438778966665268}],"sentiment":"neutral","sentiment_score":-0.3235412689320969,"num_words":33,"start":297.96002,"end":334.54},{"sentences":[{"text":"Yeah.","start":334.54,"end":334.86002,"sentiment":"neutral","sentiment_score":0.049306079745292664},{"text":"More 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honey.","start":848.675,"end":849.495,"sentiment":"neutral","sentiment_score":-0.25408413261175156},{"text":"I've got people yelling at me.","start":851.555,"end":852.995,"sentiment":"negative","sentiment_score":-0.4825405478477478},{"text":"What for?","start":852.995,"end":853.735,"sentiment":"neutral","sentiment_score":-0.31481917202472687}],"sentiment":"neutral","sentiment_score":-0.2562741141178106,"num_words":19,"start":842.2,"end":853.735},{"sentences":[{"text":"Nothing.","start":854.27496,"end":854.77496,"sentiment":"neutral","sentiment_score":-0.29304078221321106},{"text":"Hi.","start":856.755,"end":857.255,"sentiment":"neutral","sentiment_score":-0.041537538170814514},{"text":"Depending on the truck.","start":858.65,"end":859.93005,"sentiment":"neutral","sentiment_score":-0.06322711706161499},{"text":"I was gonna get on the two.","start":859.93005,"end":861.31,"sentiment":"neutral","sentiment_score":-0.0885962609733854},{"text":"Hey.","start":869.77,"end":870.01,"sentiment":"neutral","sentiment_score":-0.08003243803977966}],"sentiment":"neutral","sentiment_score":-0.0919780752488545,"num_words":14,"start":854.27496,"end":870.01},{"sentences":[{"text":"I'm sorry.","start":870.01,"end":870.57,"sentiment":"neutral","sentiment_score":-0.16617796570062637},{"text":"This is really loud, Hannah.","start":870.57,"end":871.69,"sentiment":"negative","sentiment_score":-0.3668326914310455},{"text":"I'm just going up into an office.","start":871.69,"end":873.31,"sentiment":"neutral","sentiment_score":-0.24086817247526987},{"text":"Wrong time to ring, but I need to get it done.","start":876.895,"end":879.395,"sentiment":"negative","sentiment_score":-0.3349299999800595},{"text":"Righto.","start":881.935,"end":882.435,"sentiment":"neutral","sentiment_score":-0.007854174822568893}],"sentiment":"neutral","sentiment_score":-0.2901800296340997,"num_words":26,"start":870.01,"end":882.435},{"sentences":[{"text":"Quick.","start":883.055,"end":883.555,"sentiment":"neutral","sentiment_score":-0.00905478373169899},{"text":"What's up?","start":883.695,"end":884.435,"sentiment":"neutral","sentiment_score":-0.031766547821462154},{"text":"Yeah.","start":886.7,"end":887.2,"sentiment":"neutral","sentiment_score":0.0033386163413524628},{"text":"Yep.","start":977.13,"end":977.63,"sentiment":"neutral","sentiment_score":0.07011865824460983},{"text":"Go on.","start":978.17004,"end":978.81,"sentiment":"neutral","sentiment_score":0.0679306760430336}],"sentiment":"neutral","sentiment_score":0.019532963899629458,"num_words":7,"start":883.055,"end":978.81},{"sentences":[{"text":"Thank you.","start":978.81,"end":979.55005,"sentiment":"positive","sentiment_score":0.47584834694862366},{"text":"Right.","start":980.925,"end":981.425,"sentiment":"positive","sentiment_score":0.47603821754455566},{"text":"That'd be awesome.","start":981.565,"end":982.365,"sentiment":"positive","sentiment_score":0.702531635761261},{"text":"Thank you.","start":982.365,"end":983.105,"sentiment":"positive","sentiment_score":0.6254364848136902},{"text":"I'm just gonna go and drop Jerry because they're waiting on my parts right now, and she's meant to be here at 08:00.","start":983.245,"end":991.185,"sentiment":"neutral","sentiment_score":0.07413127500077953}],"sentiment":"neutral","sentiment_score":0.2093942617216418,"num_words":31,"start":978.81,"end":991.185},{"sentences":[{"text":"For that Oh my god.","start":993.005,"end":1005.48,"sentiment":"neutral","sentiment_score":-0.0066549770534038545},{"text":"Sorry.","start":1005.54,"end":1006.04,"sentiment":"neutral","sentiment_score":0.06859752535820007},{"text":"Yes.","start":1007.86,"end":1008.36,"sentiment":"neutral","sentiment_score":0.3211536407470703},{"text":"Oh my god.","start":1009.33496,"end":1011.115,"sentiment":"neutral","sentiment_score":0.06477131322026253},{"text":"Yep.","start":1011.65497,"end":1012.055,"sentiment":"neutral","sentiment_score":0.03797021135687828}],"sentiment":"neutral","sentiment_score":0.05352367562326518,"num_words":11,"start":993.005,"end":1012.055},{"sentences":[{"text":"That'd be awesome.","start":1012.055,"end":1012.855,"sentiment":"neutral","sentiment_score":0.22946002582708994},{"text":"Yeah.","start":1012.855,"end":1013.095,"sentiment":"neutral","sentiment_score":0.08574733138084412},{"text":"Tuesday, I think he booked in, but that'd be awesome.","start":1013.095,"end":1015.65497,"sentiment":"neutral","sentiment_score":0.23002670034766198},{"text":"Thank you.","start":1015.65497,"end":1016.39496,"sentiment":"positive","sentiment_score":0.7658326625823975},{"text":"And good luck.","start":1017.735,"end":1018.77496,"sentiment":"positive","sentiment_score":0.6852186520894369}],"sentiment":"positive","sentiment_score":0.3506166154616757,"num_words":19,"start":1012.055,"end":1018.77496},{"sentences":[{"text":"Happy hunting.","start":1018.77496,"end":1019.675,"sentiment":"positive","sentiment_score":0.7118195593357086},{"text":"And we will talk to you soon.","start":1020.055,"end":1021.595,"sentiment":"positive","sentiment_score":0.4130494126251766},{"text":"Thanks, doll.","start":1024.99,"end":1025.73,"sentiment":"positive","sentiment_score":0.5763498246669769},{"text":"You no.","start":1026.51,"end":1027.71,"sentiment":"neutral","sentiment_score":0.011996120214462273},{"text":"It was.","start":1027.71,"end":1028.19,"sentiment":"neutral","sentiment_score":-0.051461098715662956}],"sentiment":"positive","sentiment_score":0.35925031329194707,"num_words":15,"start":1018.77496,"end":1028.19},{"sentences":[{"text":"But, anyway, happy days.","start":1028.19,"end":1029.63,"sentiment":"neutral","sentiment_score":0.31448274850845337},{"text":"Thank you.","start":1029.63,"end":1030.45,"sentiment":"positive","sentiment_score":0.6456206440925598},{"text":"Okay.","start":1031.3099,"end":1031.8099,"sentiment":"neutral","sentiment_score":0.274478018283844},{"text":"Bye.","start":1032.03,"end":1032.53,"sentiment":"neutral","sentiment_score":-0.1243273913860321}],"sentiment":"positive","sentiment_score":0.3374153636395931,"num_words":8,"start":1028.19,"end":1032.53}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, America.\n\nChannel 1: Good morning. This lady is at work, and she's\n\nChannel 0: Oh.\n\nChannel 1: trying to juggle 17 things at once. So I said we will try and do the very speedy abridged version for you so we can get out of her hair. So try and try and do it as quick as you can if if that's possible. She I've booked her for Tuesday at four if we've got her back in time.\n\nChannel 0: I think I have two bookings at four now, but that's cool.\n\nChannel 1: That's alright. Oh, that's even if we get it back by then. But if we do, great. If we don't and I then she ends up doing it, then I'll just book her in for a follow-up.\n\nChannel 0: That's fine. I have her name at Trina.\n\nChannel 1: Katrina North North Duff. She\n\nChannel 0: Yeah.\n\nChannel 1: has her married name on her account as well. She hasn't changed that over since she went back to her maiden name.\n\nChannel 0: Okay. Oh, so Austin is her married name, and\n\nChannel 1: Yep.\n\nChannel 0: North La\n\nChannel 1: It's her maiden name,\n\nChannel 0: is\n\nChannel 1: which she's reverted back to, but didn't\n\nChannel 0: her\n\nChannel 1: update her account.\n\nChannel 0: no. That's absolutely fine. Alright. Pop Katrina through.\n\nChannel 1: Thank you. Thanks for holding. So I've got Larissa on the line. I've let her know that you're busy at work so she's trying to get through what she needs to as quick as possible. Yep.\n\nThanks, mate. Alright. Cheers. You have a good weekend. I'll talk to you next week.\n\nOkay. See you. Bye.\n\nChannel 0: Hi, Katrina. My name is Larissa. How are you going?\n\nChannel 1: Good, mate. How are you doing?\n\nChannel 0: Yeah. Not bad. It's a Friday. We're getting\n\nChannel 1: Yep.\n\nChannel 0: there. So the whole I guess, my role as a as an adviser, as a financial planner, is to be able to to work individually with each of my clients. And every client that I talk to and work with is different because everyone's goals differ. Now with respect to your goals and, I guess, this whole conversation today, the the reason why, you know, even though you spent a lot of time with my team putting together and and providing the information you've provided, it lets me actually learn who you are and and what, I guess, is a priority for you over anything else and what, you know, what you may wanna receive advice on irrespective of the goals that you may have set for yourself.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little\n\nChannel 1: Yep.\n\nChannel 0: incidental down of about $10,000 and try and get the car loan paid off as\n\nChannel 1: Yep.\n\nChannel 0: well. Is that something you want advice on being, like, cash flow or just something that you're personally setting for yourself?\n\nChannel 1: Just personally setting.\n\nChannel 0: Yeah. No. That's okay. And, look, sometimes I have clients that have personal goals, and every year, I just check-in with them and go, how are you going on that goal? And it's, I guess, an accountability partner.\n\nSo more than happy\n\nChannel 1: Yep.\n\nChannel 0: to be an accountability partner for you. Now I can see you also have, I I guess, like, a a retirement goal with respect to your super, and you're wanting to get to that $900,000 mark, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Now currently, you obviously have your ART or Australian Retirement Trust Fund, and you're sitting there at that sort of $112,000 mark.\n\nChannel 1: Yep. Correct. Yep.\n\nChannel 0: So still still a little bit away from that that goal, but\n\nChannel 1: Only way it's a long way. That's why I'm trying to get help to see what I can do to get get there.\n\nChannel 0: yeah. But the good thing is is that you have plenty of time. So we're sitting really well. You you're you\n\nChannel 1: Yep.\n\nChannel 0: haven't waited until you're 60 to try and do something about it, which is good. We're we're we've still got plenty of time to be able to look at it. Now we're looking to retire by the age of 65. Is that that's correct?\n\nChannel 1: Correct. Yep.\n\nChannel 0: And can I ask why is that the age you've chosen? Is that just because that's\n\nChannel 1: Just\n\nChannel 0: the\n\nChannel 1: because\n\nChannel 0: time\n\nChannel 1: it's\n\nChannel 0: and\n\nChannel 1: like\n\nChannel 0: age\n\nChannel 1: the\n\nChannel 0: for you? Or\n\nChannel 1: yeah. It's like the standard age. Ideally, it would be black if you didn't have to work for now, it would be great. But we, you know, ideal world can't happen. So, yeah, 65 is just young enough still that you can travel around Australia.\n\nChannel 0: But old enough to be able to access the benefits that allow you to hang up the hat.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: That's\n\nChannel 1: right.\n\nChannel 0: okay. That's okay. Well, we've got still a good twenty three years. Sorry to be the bearer of that bad news.\n\nChannel 1: Yeah. No. Right. Yeah. It doesn't seem that long either, actually.\n\nChannel 0: No.\n\nChannel 1: Mhmm.\n\nChannel 0: It doesn't. It does not. And with three kids under underfoot, those years roll faster and faster every\n\nChannel 1: Yep.\n\nChannel 0: year. Perfect. Now you've quoted, like, a thousand dollars a week. Can I ask why that's the the figure we've chosen? Because I can\n\nChannel 1: No.\n\nChannel 0: see\n\nChannel 1: I don't\n\nChannel 0: based on\n\nChannel 1: know.\n\nChannel 0: your\n\nChannel 1: That was just the figure that they threw at me when I first was looking. I don't know if that's realistic. I really hadn't looked too much into it.\n\nChannel 0: no. That's okay. Because just based on your income, because you're earning $90,000 a year currently, That would put your your weekly income at about $13.50, which indicates to me, based on the fact that we're not really saving too too much each week at the moment, that your your income needs probably sit around that $13.50 each week. So is that sort of something a little bit\n\nChannel 1: Yeah.\n\nChannel 0: more\n\nChannel 1: Yeah.\n\nChannel 0: realistic?\n\nChannel 1: More realistic. Yeah.\n\nChannel 0: Yeah. Obviously, we have the car loan at the moment, which is okay because, obviously, once that car loan's paid off, we'll have a little bit more discretionary spending, maybe some holiday funds to be able to sort of do something there because that's $770 a month. So that's quite a bit across the year to be able to put towards some holidaying when we retire.\n\nChannel 1: Yes. Yeah. That's right. Yep.\n\nChannel 0: So that's rough math to be just under $10. So that'll be yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That'll be good. Alright. Cool. $10 could still get us a pretty decent holiday each year. Perfect.\n\nNow we're looking at doing some travel as well, which is good. So we sort of catered for that. So making sure that we're kind of hitting that\n\nChannel 1: Yep.\n\nChannel 0: probably anywhere between 13 to $1,500 a week in income when we do retire would be really good to be able to facilitate those travel\n\nChannel 1: Perfect. Yeah.\n\nChannel 0: and our expenses. Amazing. Now with the kids, can I ask, income wise, we're on $90,000, and that's from our job? But when it comes to the kids, I know that you've recently divorced. Do we have a family agreement?\n\nIs there any custody arrangements or child support that gets paid?\n\nChannel 1: Yes. So I do get a little bit of child support, but it's not even worth mentioning.\n\nChannel 0: Yep.\n\nChannel 1: And he gets them every second weekend and half holidays, but decided to cut his job so he\n\nChannel 0: Yeah.\n\nChannel 1: didn't have to pay me child support. So every expense for the kid being schooling, sporting, medical is 100% me.\n\nChannel 0: Yeah. Oh, Taylor's\n\nChannel 1: So\n\nChannel 0: older\n\nChannel 1: it\n\nChannel 0: than\n\nChannel 1: wouldn't\n\nChannel 0: that,\n\nChannel 1: need\n\nChannel 0: unfortunately.\n\nChannel 1: to be without putting no.\n\nChannel 0: Yeah. So not not not even worth mentioning. That's\n\nChannel 1: No. No.\n\nChannel 0: no. That's okay. Look. I've I think the the worst tale I heard was four kids, and it was\n\nChannel 1: I don't know what mine is, but it yeah. It's definitely, like, for four kids like, three kids, I think I get $300 a month for them.\n\nChannel 0: Okay.\n\nChannel 1: $350 a month, maybe.\n\nChannel 0: Alright. So it basically kind of put put fuel in the car so you can run the kids around. That's about it.\n\nChannel 1: No. Wouldn't even fuck well, wouldn't even fucking put fuel. Well, once a month, but I go pronto. They do\n\nChannel 0: No. Not\n\nChannel 1: they\n\nChannel 0: putting\n\nChannel 1: do\n\nChannel 0: fuel.\n\nChannel 1: three different sports, so a tank of fuel would probably be $300. So a tank of fuel probably wouldn't even last me a week. So\n\nChannel 0: Yes. Yeah.\n\nChannel 1: it even put fuel in the tank in in the\n\nChannel 0: Yeah.\n\nChannel 1: car for me.\n\nChannel 0: So he's he's basically filling up the car once every once a month for you.\n\nChannel 1: Mhmm.\n\nChannel 0: That's about it.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Fair\n\nChannel 1: And\n\nChannel 0: enough.\n\nChannel 1: it's not\n\nChannel 0: I do not know what\n\nChannel 1: for lack\n\nChannel 0: type of car\n\nChannel 1: of\n\nChannel 0: you had.\n\nChannel 1: asking I ask all the time, but, anyway, it is what it is.\n\nChannel 0: Yeah. It's it's enough to keep you out of trouble, but not really touch sides. Okay. Alright. So at the moment, we're renting.\n\nAre we do we wanna look at purchasing a house? Is that something that we're wanting\n\nChannel 1: Yep. Oh,\n\nChannel 0: to\n\nChannel 1: yeah. 100%. But, you know, if the kids finance would be cool if I could. Yeah.\n\nChannel 0: Yeah. But it's probably something when the kids are a little bit older and either contributing themselves or yeah. Okay. That's alright. Okay.\n\nSo outside of that, with respect to, I guess, the insurance because I can see that we do have a bit of a an insurance goal. We're wanting to make sure that the kids are obviously looked after. And at the moment, we don't have any income protection, which means that if you're ill, injured, unable to work, that prevents you from having an income. So what I can look at is I can definitely look at the income protection, looking at making sure we're covering your income. But with the the life and total permanent disability insurance so life insurance pays out if you were to pass away.\n\nTotal permanent disability insurance pays out if you were ill, injured, and never able to work again. And they're lump sum benefits that are paid to either you or your estate, like, the kids in this instance. Is there a figure you had in mind specifically for life insurance that you would want to leave the kids? Because there is a there is a calculation that I can often do, which is, you know, how old the kids are times by, you know, your income, you know, to to get an an estimated amount that would be needed for them to be able to continue their current lifestyle until they became adults.\n\nChannel 1: Yep.\n\nChannel 0: There's sort of that kind of, you know, calculation that gives you a a bit of a a a guideline. But sometimes people have a figure in mind that they wanna leave the kids. They, you know, they wanna set the kid up with a $100,000 each because then they have a decent deposit or whatever the case may be. Do you have a figure at all?\n\nChannel 1: I don't really, but what would be, like, realistically, if I if there was, like, $200 each? Is that\n\nChannel 0: Yep. Yeah. Absolutely. That's that that that gives them more than enough for a deposit. It sets them up on their way.\n\nIt gives them foundation to be able to continue, you know, someone to to help them through the next few years as well. Absolutely. So that would be basically $600,000 in life cover to help the kids out with,\n\nChannel 1: Yep.\n\nChannel 0: you know, what they need. Then for you with total current disability because total current disability is is basically a lump sum replacement of your income if you were never never able to work again.\n\nChannel 1: Yeah.\n\nChannel 0: So sometimes we will replace debt as in, you know, for yourself, just have a lump sum amount that would buy you a house\n\nChannel 1: Mhmm.\n\nChannel 0: or, you know, buy you a house and then also replace your income for the remainder of your working life. Obviously,\n\nChannel 1: Yeah. Right.\n\nChannel 0: higher the benefit, the higher the premiums get, and I wanna be reasonable with it. I wanna make sure that we're aiming towards the retirement goal and not just focusing on protecting you in the event that something does happen. But,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, if we underinsure, it's a risk you need to understand that, you know, without enough insurance, if if something does happen to you, then we're not gonna have enough to cover. So what I generally do as a as a bit I guess, a bit of rule of thumb is if you don't have a figure in mind that you wanna definitely have it as cover,\n\nChannel 1: Yeah.\n\nChannel 0: I look at what your income is. I look at disability support pension as a as a offset. So that's basically\n\nChannel 1: Mhmm.\n\nChannel 0: $30 a year that you don't have to cover, which for yourself would pull your income needs down to about $40 a year. And it'll be $40 a year times by the number of years that you have left to work.\n\nChannel 1: Yep.\n\nChannel 0: And then I would also subtract off the couple of years that your income protection policy would cover you for. And in that, I would make sure that you had the capacity to be able to buy a house. So I can use that as a rule of thumb, obviously, focusing a lot on making sure the premiums are not going to affect your retirement, though. Is that sort\n\nChannel 1: Yep.\n\nChannel 0: of a guide you want me\n\nChannel 1: Yep.\n\nChannel 0: to follow?\n\nChannel 1: Do that. That'd be great.\n\nChannel 0: Okay. Cool. So I will look at the insurance side of things, make sure that I'm researching everything on that front.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when it comes to the debt to your superannuation and and how you're invested, I can see you're a bit of a conservative investor.\n\nChannel 1: Yep.\n\nChannel 0: So that's okay. What I wanna look at is because ART is very, very intrinsically\n\nChannel 1: Chuckie still haven't come. I'm gonna have to fucking hop sit over there and get some parts. Fuck my wife.\n\nChannel 0: Never easy, is it?\n\nChannel 1: Bye bye.\n\nChannel 0: With the superannuation side, like, the ART fund is very much an index investment. It's a group pooled investment that doesn't give you flexibility. So what I'll look at is I'll look at diversity of investments within the fund, making sure that I'm focusing on keeping things, you know, easy to manage for you, keeping things, you know, conservative\n\nChannel 1: Hi.\n\nChannel 0: but still growing, and focusing on making\n\nChannel 1: Oh,\n\nChannel 0: sure\n\nChannel 1: yeah.\n\nChannel 0: that\n\nChannel 1: Because I dropped it off there last week. Oh, asking. I was meant to ask him yesterday. Sorry, honey.\n\nChannel 0: you're so fine.\n\nChannel 1: I've got people yelling at me. What for? Nothing.\n\nChannel 0: That's okay.\n\nChannel 1: Hi. Depending on the truck. I was gonna get on the two. Hey. I'm sorry.\n\nThis is really loud, Hannah. I'm just going up into an office. Wrong time to ring, but I need to get it done.\n\nChannel 0: Always.\n\nChannel 1: Righto. Quick. What's up?\n\nChannel 0: There\n\nChannel 1: Yeah.\n\nChannel 0: we go. Yeah. So we're gonna look at like, I'm gonna look at making sure that I'm I'm keeping in line with, like, your like, you're a little bit more of a conservative lane, but focusing on getting decent growth out of the investments. So I don't wanna you know, everything in one area. I don't wanna pool the investments too much or get too heavy with you know, in any one sector.\n\nSo, you know, you've got your mining sectors, and you've got your minerals, and you've got education, health, all that kind of stuff. So I don't wanna obviously get too weighted in one sector. I wanna make sure we have good diversity across the market so that way we're able to ebb and flow as the market ebb and flow. Now the insurance is what I will also look at, and I'll look at making sure that we can put some strong estate planning in place as well to make sure that your assets are protected for the kids moving forward. Outside of that, the other goals that you had, as you said, you were pretty much, like, personally just budget planning and going from there.\n\nSo I will what I'll do from here is I'll start putting together research. So I go away and I, you know, research with other providers, research your current your current investment, make sure I've got a good understanding as to how it's invested and where where it's sitting. And then I put together a document called a statement of advice, and then we go from there with regards to basically having a bit of a conversation about\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Go on.\n\nChannel 0: all the\n\nChannel 1: Thank\n\nChannel 0: all\n\nChannel 1: you.\n\nChannel 0: the details that I put together.\n\nChannel 1: Right. That'd be awesome. Thank you. I'm\n\nChannel 0: That's\n\nChannel 1: just gonna go\n\nChannel 0: right.\n\nChannel 1: and drop Jerry because they're waiting on my parts right now, and she's meant to be here at 08:00. For that Oh my god. Sorry.\n\nChannel 0: You\n\nChannel 1: Yes.\n\nChannel 0: are so good. So\n\nChannel 1: Oh\n\nChannel 0: I\n\nChannel 1: my\n\nChannel 0: will talk to you next\n\nChannel 1: god.\n\nChannel 0: week when I\n\nChannel 1: Yep.\n\nChannel 0: have that\n\nChannel 1: That'd\n\nChannel 0: statement\n\nChannel 1: be\n\nChannel 0: of\n\nChannel 1: awesome.\n\nChannel 0: advice\n\nChannel 1: Yeah.\n\nChannel 0: put\n\nChannel 1: Tuesday,\n\nChannel 0: together.\n\nChannel 1: I think he booked in, but that'd be awesome. Thank you.\n\nChannel 0: Absolutely, darling.\n\nChannel 1: And good luck. Happy hunting. And we will talk to you soon.\n\nChannel 0: We will. I'll talk to you then. Have a good\n\nChannel 1: Thanks,\n\nChannel 0: rest\n\nChannel 1: doll.\n\nChannel 0: of the day. Hopefully, it gets\n\nChannel 1: You\n\nChannel 0: easier.\n\nChannel 1: no. It was. But, anyway, happy days. Thank you. Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning, America.","start":1.8399999,"end":4.18,"sentiment":"positive","sentiment_score":0.35750142733256024}],"sentiment":"positive","sentiment_score":0.35750142733256024,"channel":0,"num_words":3,"start":1.8399999,"end":4.18},{"sentences":[{"text":"Good morning.","start":5.3599997,"end":6.18,"sentiment":"positive","sentiment_score":0.3409530967473984},{"text":"This lady is at work, and she's","start":7.04,"end":9.679999,"sentiment":"neutral","sentiment_score":0.04029889707453549}],"sentiment":"neutral","sentiment_score":0.1071109414462828,"channel":1,"num_words":9,"start":5.3599997,"end":9.679999},{"sentences":[{"text":"Oh.","start":9.36,"end":9.86,"sentiment":"neutral","sentiment_score":-0.07432075589895248}],"sentiment":"neutral","sentiment_score":-0.07432075589895248,"channel":0,"num_words":1,"start":9.36,"end":9.86},{"sentences":[{"text":"trying to juggle 17 things at once.","start":9.679999,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.12539046577044896},{"text":"So I said we will try and do the very speedy abridged version for you so we can get out of her hair.","start":12.135,"end":17.755001,"sentiment":"neutral","sentiment_score":0.031512147220580475},{"text":"So try and try and do it as quick as you can if if that's possible.","start":18.135,"end":22.555,"sentiment":"neutral","sentiment_score":0.0769186899997294},{"text":"She I've booked her for Tuesday at four if we've got her back in time.","start":23.575,"end":28.05,"sentiment":"neutral","sentiment_score":0.03300375267863274}],"sentiment":"neutral","sentiment_score":0.025783630423858516,"channel":1,"num_words":61,"start":9.679999,"end":28.05},{"sentences":[{"text":"I think I have two bookings at four now, but that's 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think he booked in, but that'd be awesome.","start":1013.65497,"end":1015.65497,"sentiment":"neutral","sentiment_score":0.23963727470901278},{"text":"Thank you.","start":1015.65497,"end":1016.39496,"sentiment":"positive","sentiment_score":0.7658326625823975}],"sentiment":"positive","sentiment_score":0.33530916341326455,"channel":1,"num_words":11,"start":1013.65497,"end":1016.39496},{"sentences":[{"text":"Absolutely, darling.","start":1016.985,"end":1018.045,"sentiment":"positive","sentiment_score":0.8009657263755798}],"sentiment":"positive","sentiment_score":0.8009657263755798,"channel":0,"num_words":2,"start":1016.985,"end":1018.045},{"sentences":[{"text":"And good luck.","start":1017.735,"end":1018.77496,"sentiment":"positive","sentiment_score":0.6852186520894369},{"text":"Happy hunting.","start":1018.77496,"end":1019.675,"sentiment":"positive","sentiment_score":0.7118195593357086},{"text":"And we will talk to you 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you.","start":1029.63,"end":1030.45,"sentiment":"positive","sentiment_score":0.6456206440925598},{"text":"Okay.","start":1031.3099,"end":1031.8099,"sentiment":"neutral","sentiment_score":0.274478018283844}],"sentiment":"neutral","sentiment_score":0.2652584988623857,"channel":1,"num_words":10,"start":1027.39,"end":1031.8099},{"sentences":[{"text":"Bye.","start":1031.4,"end":1031.9,"sentiment":"neutral","sentiment_score":0.24825677275657657}],"sentiment":"neutral","sentiment_score":0.24825677275657657,"channel":0,"num_words":1,"start":1031.4,"end":1031.9},{"sentences":[{"text":"Bye.","start":1032.03,"end":1032.53,"sentiment":"neutral","sentiment_score":-0.1243273913860321}],"sentiment":"neutral","sentiment_score":-0.1243273913860321,"channel":1,"num_words":1,"start":1032.03,"end":1032.53}]},"summary":{"result":"success","short":"A financial planner speaks with a client at work and suggests the client may need to sit at a certain income level. The customer and agent discuss retirement goals and expenses, including travel plans and expenses for their family. The customer is interested in purchasing a house due to the age of their children and the agent suggests looking into insurance coverage for their children. The benefits of life insurance and retirement are discussed, including a retirement goal and protection from potential accidents. The speaker emphasizes the importance of maintaining a conservative investment portfolio and creating a structured estate planning process. They plan to catch up again in a week to discuss the benefits of replacing debt and insurance for retirement and to research the customer's current investment."},"intents":{"segments":[{"text":"She I've booked her for Tuesday at four if we've got her back in time. I think I have two bookings at four now, but that's cool. That's alright. Oh, that's even if we get it back by then. But if we do, great. If we don't and I then she ends up doing it, then I'll just book her in for a follow-up. That's fine.","start_word":59,"end_word":124,"intents":[{"intent":"Book follow-up call","confidence_score":0.0026961116}]},{"text":"Now with respect to your goals and, I guess, this whole conversation today, the the reason why, you know, even though you spent a lot of time with my team putting together and and providing the information you've provided, it lets me actually learn who you are and and what, I guess, is a priority for you over anything else and what, you know, what you may wanna receive advice on irrespective of the goals that you may have set for yourself.","start_word":321,"end_word":402,"intents":[{"intent":"Set goals","confidence_score":0.43862376},{"intent":"Set goals","confidence_score":0.20431432}]},{"text":"Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little incidental Yep. down of about $10,000 and try and get the car loan paid off as Yep.","start_word":404,"end_word":452,"intents":[{"intent":"Pay off car loan","confidence_score":0.002229291}]},{"text":"Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little incidental Yep. down of about $10,000 and try and get the car loan paid off as Yep. well.","start_word":404,"end_word":453,"intents":[{"intent":"Set target","confidence_score":0.001996607}]},{"text":"Is that something you want advice on being, like, cash flow or just something that you're personally setting for yourself? Just personally setting.","start_word":454,"end_word":476,"intents":[{"intent":"Discuss personal goals","confidence_score":0.0071416814},{"intent":"Gather advice","confidence_score":0.00740739}]},{"text":"And, look, sometimes I have clients that have personal goals, and every year, I just check-in with them and go, how are you going on that goal?","start_word":481,"end_word":507,"intents":[{"intent":"Check-in with clients","confidence_score":0.21850036}]},{"text":"Now I can see you also have, I I guess, like, a a retirement goal with respect to your super, and you're wanting to get to that $900,000 mark, which is fantastic.","start_word":527,"end_word":558,"intents":[{"intent":"Attract retirement goal","confidence_score":0.00021515714}]},{"text":"Because just based on your income, because you're earning $90,000 a year currently, That would put your your weekly income at about $13.50, which indicates to me, based on the fact that we're not really saving too too much each week at the moment, that your your income needs probably sit around that $13.50 each week. So is that sort of something a little bit Yeah.","start_word":902,"end_word":967,"intents":[{"intent":"Evaluate financial goals","confidence_score":0.0058142873}]},{"text":"So every expense for the kid being schooling, sporting, medical is 100% me. Yeah.","start_word":1227,"end_word":1240,"intents":[{"intent":"Cost car repairs","confidence_score":0.000090567664}]},{"text":"Is there a figure you had in mind specifically for life insurance that you would want to leave the kids? Because there is a there is a calculation that I can often do, which is, you know, how old the kids are times by, you know, your income, you know, to to get an an estimated amount that would be needed for them to be able to continue their current lifestyle until they became adults. Yep.","start_word":1687,"end_word":1762,"intents":[{"intent":"Address insurance costs","confidence_score":0.00027343744}]},{"text":"obviously, if we underinsure, it's a risk you need to understand that, you know, without enough insurance, if if something does happen to you, then we're not gonna have enough to cover.","start_word":2037,"end_word":2068,"intents":[{"intent":"Resolve insurance policy issues","confidence_score":7.4515036e-8}]},{"text":"Now when it comes to the debt to your superannuation and and how you're invested, I can see you're a bit of a conservative investor. Yep.","start_word":2275,"end_word":2300,"intents":[{"intent":"Discuss debt and portfolio","confidence_score":0.0002259894}]},{"text":"So we're gonna look at like, I'm gonna look at making sure that I'm I'm keeping in line with, like, your like, you're a little bit more of a conservative lane, but focusing on getting decent growth out of the investments.","start_word":2495,"end_word":2535,"intents":[{"intent":"Address investment concerns","confidence_score":0.066073835}]}]},"sentiments":{"segments":[{"text":"Good morning, America.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.3430348336696625},{"text":"Good morning. This lady is at work, and she's Oh. trying to juggle 17 things at once. So I said we will try and do the very speedy abridged version for you so we can get out of her hair. So try and try and do it as quick as you can if if that's possible. She I've booked her for Tuesday at four if we've got her back in time. I think I have two bookings at four now, but that's cool. That's alright. Oh, that's even if we get it back by then. But if we do, great. If we don't and I then she ends up doing it, then I'll just book her in for a follow-up. That's fine. I have her name at Trina. Katrina North North Duff. She Yeah. has her married name on her account as well. She hasn't changed that over since she went back to her maiden name. Okay. Oh, so Austin is her married name, and Yep. North La It's her maiden name, is which she's reverted back to, but didn't her update her account. no. That's absolutely fine. Alright. Pop Katrina through.","start_word":3,"end_word":194,"sentiment":"neutral","sentiment_score":0.05525472015142441},{"text":"Thank you. Thanks for holding.","start_word":195,"end_word":199,"sentiment":"positive","sentiment_score":0.48725661635398865},{"text":"So I've got Larissa on the line. I've let her know that you're busy at work so she's trying to get through what she needs to as quick as possible. Yep.","start_word":200,"end_word":230,"sentiment":"neutral","sentiment_score":0.14998109638690948},{"text":"Thanks, mate. Alright. Cheers. You have a good weekend.","start_word":231,"end_word":239,"sentiment":"positive","sentiment_score":0.5237128138542175},{"text":"I'll talk to you next week. Okay. See you. Bye. Hi, Katrina. My name is Larissa. How are you going?","start_word":240,"end_word":259,"sentiment":"neutral","sentiment_score":0.2381758093833923},{"text":"Good, mate.","start_word":260,"end_word":261,"sentiment":"positive","sentiment_score":0.45177268981933594},{"text":"How are you doing? Yeah. Not bad. It's a Friday. We're getting Yep. there. So the whole I guess, my role as a as an adviser, as a financial planner, is to be able to to work individually with each of my clients. And every client that I talk to and work with is different because everyone's goals differ. Now with respect to your goals and, I guess, this whole conversation today, the the reason why, you know, even though you spent a lot of time with my team putting together and and providing the information you've provided, it lets me actually learn who you are and and what, I guess, is a priority for you over anything else and what, you know, what you may wanna receive advice on irrespective of the goals that you may have set for yourself. Mhmm. Now I can see that, you know, sort of in the next one to five years, you wanna try and get, like, a good, I guess, buffer sitting there, a nice little incidental Yep. down of about $10,000 and try and get the car loan paid off as Yep. well. Is that something you want advice on being, like, cash flow or just something that you're personally setting for yourself? Just personally setting. Yeah. No. That's okay. And, look, sometimes I have clients that have personal goals, and every year, I just check-in with them and go, how are you going on that goal?","start_word":262,"end_word":507,"sentiment":"neutral","sentiment_score":0.17173909656400602},{"text":"And it's, I guess, an accountability partner. So more than happy Yep. to be an accountability partner for you. Now I can see you also have, I I guess, like, a a retirement goal with respect to your super, and you're wanting to get to that $900,000 mark, which is fantastic.","start_word":508,"end_word":558,"sentiment":"positive","sentiment_score":0.5108184814453125},{"text":"Yep. Now currently, you obviously have your ART or Australian Retirement Trust Fund, and you're sitting there at that sort of $112,000 mark. Yep. Correct. Yep.","start_word":559,"end_word":584,"sentiment":"neutral","sentiment_score":-0.06001315265893936},{"text":"So still still a little bit away from that that goal, but Only way it's a long way.","start_word":585,"end_word":602,"sentiment":"negative","sentiment_score":-0.3543117046356201},{"text":"That's why I'm trying to get help to see what I can do to get get there. yeah.","start_word":603,"end_word":620,"sentiment":"neutral","sentiment_score":0.15788514912128448},{"text":"But the good thing is is that you have plenty of time. So we're sitting really well. You you're you Yep. haven't waited until you're 60 to try and do something about it, which is good.","start_word":621,"end_word":656,"sentiment":"positive","sentiment_score":0.46473485231399536},{"text":"We're we're we've still got plenty of time to be able to look at it. Now we're looking to retire by the age of 65. Is that that's correct? Correct. Yep. And can I ask why is that the age you've chosen? Is that just because that's Just the time because and it's age like for the you? Or yeah. It's like the standard age. Ideally, it would be black if you didn't have to work for now, it would be great. But we, you know, ideal world can't happen. So, yeah, 65 is just young enough still that you can travel around Australia. But old enough to be able to access the benefits that allow you to hang up the hat. Yeah. Yeah. That's That's right. okay. That's okay. Well, we've got still a good twenty three years.","start_word":657,"end_word":795,"sentiment":"neutral","sentiment_score":0.04315536841750145},{"text":"Sorry to be the bearer of that bad news.","start_word":796,"end_word":804,"sentiment":"negative","sentiment_score":-0.46137291193008423},{"text":"Yeah. No. Right. Yeah. It doesn't seem that long either, actually. No. Mhmm. It doesn't. It does not. And with three kids under underfoot, those years roll faster and faster every Yep. year. Perfect. Now you've quoted, like, a thousand dollars a week. Can I ask why that's the the figure we've chosen? Because I can No. see I don't based on know. your That was just the figure that they threw at me when I first was looking.","start_word":805,"end_word":883,"sentiment":"neutral","sentiment_score":-0.11637316644191742},{"text":"I don't know if that's realistic. I really hadn't looked too much into it.","start_word":884,"end_word":897,"sentiment":"negative","sentiment_score":-0.3391929268836975},{"text":"no. That's okay. Because just based on your income, because you're earning $90,000 a year currently, That would put your your weekly income at about $13.50, which indicates to me, based on the fact that we're not really saving too too much each week at the moment, that your your income needs probably sit around that $13.50 each week. So is that sort of something a little bit Yeah. more Yeah. realistic? More realistic. Yeah. Yeah. Obviously, we have the car loan at the moment, which is okay because, obviously, once that car loan's paid off, we'll have a little bit more discretionary spending, maybe some holiday funds to be able to sort of do something there because that's $770 a month. So that's quite a bit across the year to be able to put towards some holidaying when we retire. Yes. Yeah. That's right. Yep. So that's rough math to be just under $10. So that'll be yeah. Yeah.","start_word":898,"end_word":1057,"sentiment":"neutral","sentiment_score":0.074341846909374},{"text":"That'll be good. Alright. Cool. $10 could still get us a pretty decent holiday each year. Perfect. Now we're looking at doing some travel as well, which is good.","start_word":1058,"end_word":1086,"sentiment":"positive","sentiment_score":0.4612959623336792},{"text":"So we sort of catered for that. So making sure that we're kind of hitting that Yep. probably anywhere between 13 to $1,500 a week in income when we do retire would be really good to be able to facilitate those travel Perfect. Yeah. and our expenses.","start_word":1087,"end_word":1133,"sentiment":"neutral","sentiment_score":0.28141719102859497},{"text":"Amazing.","start_word":1134,"end_word":1134,"sentiment":"positive","sentiment_score":0.3921801447868347},{"text":"Now with the kids, can I ask, income wise, we're on $90,000, and that's from our job? But when it comes to the kids, I know that you've recently divorced. Do we have a family agreement? Is there any custody arrangements or child support that gets paid? Yes. So I do get a little bit of child support, but it's not even worth mentioning. Yep. And he gets them every second weekend and half holidays, but decided to cut his job so he Yeah. didn't have to pay me child support. So every expense for the kid being schooling, sporting, medical is 100% me. Yeah. Oh, Taylor's So older it than wouldn't that, need unfortunately. to be without putting no. Yeah. So not not not even worth mentioning. That's No. No. no. That's okay. Look.","start_word":1135,"end_word":1269,"sentiment":"neutral","sentiment_score":-0.05561947883969104},{"text":"I've I think the the worst tale I heard was four kids, and it was I don't know what mine is, but it yeah.","start_word":1270,"end_word":1293,"sentiment":"negative","sentiment_score":-0.35108718276023865},{"text":"It's definitely, like, for four kids like, three kids, I think I get $300 a month for them. Okay. $350 a month, maybe. Alright. So it basically kind of put put fuel in the car so you can run the kids around. That's about it.","start_word":1294,"end_word":1338,"sentiment":"neutral","sentiment_score":-0.12383131682872772},{"text":"No. Wouldn't even fuck well, wouldn't even fucking put fuel.","start_word":1339,"end_word":1348,"sentiment":"negative","sentiment_score":-0.46073484420776367},{"text":"Well, once a month, but I go pronto. They do No. Not they putting do fuel. three different sports, so a tank of fuel would probably be $300. So a tank of fuel probably wouldn't even last me a week. So Yes. Yeah. it even put fuel in the tank in in the Yeah. car for me. So he's he's basically filling up the car once every once a month for you. Mhmm. That's about it. Mhmm. Yep. Yeah. Okay. Fair And enough. it's not I do not know what for lack type of car of you had. asking I ask all the time, but, anyway, it is what it is. Yeah. It's it's enough to keep you out of trouble, but not really touch sides. Okay. Alright. So at the moment, we're renting. Are we do we wanna look at purchasing a house? Is that something that we're wanting Yep. Oh, to yeah. 100%. But, you know, if the kids finance would be cool if I could. Yeah. Yeah. But it's probably something when the kids are a little bit older and either contributing themselves or yeah. Okay. That's alright. Okay. So outside of that, with respect to, I guess, the insurance because I can see that we do have a bit of a an insurance goal. We're wanting to make sure that the kids are obviously looked after. And at the moment, we don't have any income protection, which means that if you're ill, injured, unable to work, that prevents you from having an income. So what I can look at is I can definitely look at the income protection, looking at making sure we're covering your income. But with the the life and total permanent disability insurance so life insurance pays out if you were to pass away. Total permanent disability insurance pays out if you were ill, injured, and never able to work again. And they're lump sum benefits that are paid to either you or your estate, like, the kids in this instance. Is there a figure you had in mind specifically for life insurance that you would want to leave the kids? Because there is a there is a calculation that I can often do, which is, you know, how old the kids are times by, you know, your income, you know, to to get an an estimated amount that would be needed for them to be able to continue their current lifestyle until they became adults. Yep. There's sort of that kind of, you know, calculation that gives you a a bit of a a a guideline. But sometimes people have a figure in mind that they wanna leave the kids. They, you know, they wanna set the kid up with a $100,000 each because then they have a decent deposit or whatever the case may be. Do you have a figure at all? I don't really, but what would be, like, realistically, if I if there was, like, $200 each? Is that Yep. Yeah.","start_word":1349,"end_word":1850,"sentiment":"neutral","sentiment_score":0.0059687112795701065},{"text":"Absolutely.","start_word":1851,"end_word":1851,"sentiment":"positive","sentiment_score":0.3508989214897156},{"text":"That's that that that gives them more than enough for a deposit.","start_word":1852,"end_word":1863,"sentiment":"neutral","sentiment_score":0.24044248461723328},{"text":"It sets them up on their way. It gives them foundation to be able to continue, you know, someone to to help them through the next few years as well. Absolutely. So that would be basically $600,000 in life cover to help the kids out with, Yep.","start_word":1864,"end_word":1910,"sentiment":"positive","sentiment_score":0.577911376953125},{"text":"you know, what they need. Then for you with total current disability because total current disability is is basically a lump sum replacement of your income if you were never never able to work again. Yeah. So sometimes we will replace debt as in, you know, for yourself, just have a lump sum amount that would buy you a house Mhmm. or, you know, buy you a house and then also replace your income for the remainder of your working life. Obviously, Yeah. Right.","start_word":1911,"end_word":1994,"sentiment":"neutral","sentiment_score":0.08606022596359253},{"text":"higher the benefit, the higher the premiums get, and I wanna be reasonable with it.","start_word":1995,"end_word":2009,"sentiment":"positive","sentiment_score":0.3942715227603912},{"text":"I wanna make sure that we're aiming towards the retirement goal and not just focusing on protecting you in the event that something does happen. But, Mhmm.","start_word":2010,"end_word":2036,"sentiment":"neutral","sentiment_score":0.2529110610485077},{"text":"obviously, if we underinsure, it's a risk you need to understand that, you know, without enough insurance, if if something does happen to you, then we're not gonna have enough to cover.","start_word":2037,"end_word":2068,"sentiment":"negative","sentiment_score":-0.348203182220459},{"text":"So what I generally do as a as a bit I guess, a bit of rule of thumb is if you don't have a figure in mind that you wanna definitely have it as cover, Yeah. I look at what your income is. I look at disability support pension as a as a offset. So that's basically Mhmm. $30 a year that you don't have to cover, which for yourself would pull your income needs down to about $40 a year. And it'll be $40 a year times by the number of years that you have left to work. Yep. And then I would also subtract off the couple of years that your income protection policy would cover you for. And in that, I would make sure that you had the capacity to be able to buy a house. So I can use that as a rule of thumb, obviously, focusing a lot on making sure the premiums are not going to affect your retirement, though. Is that sort Yep. of a guide you want me Yep. to follow? Do that.","start_word":2069,"end_word":2249,"sentiment":"neutral","sentiment_score":0.09221714877044956},{"text":"That'd be great. Okay. Cool.","start_word":2250,"end_word":2254,"sentiment":"positive","sentiment_score":0.5591033697128296},{"text":"So I will look at the insurance side of things, make sure that I'm researching everything on that front. Mhmm. Now when it comes to the debt to your superannuation and and how you're invested, I can see you're a bit of a conservative investor. Yep. So that's okay. What I wanna look at is because ART is very, very intrinsically Chuckie still haven't come.","start_word":2255,"end_word":2319,"sentiment":"neutral","sentiment_score":0.012994754128158092},{"text":"I'm gonna have to fucking hop sit over there and get some parts. Fuck my wife. Never easy, is it?","start_word":2320,"end_word":2339,"sentiment":"negative","sentiment_score":-0.45136797428131104},{"text":"Bye bye. With the superannuation side, like, the ART fund is very much an index investment. It's a group pooled investment that doesn't give you flexibility. So what I'll look at is I'll look at diversity of investments within the fund, making sure that I'm focusing on keeping things, you know, easy to manage for you, keeping things, you know, conservative Hi. but still growing, and focusing on making Oh, sure yeah. that Because I dropped it off there last week. Oh, asking. I was meant to ask him yesterday. Sorry, honey. you're so fine.","start_word":2340,"end_word":2434,"sentiment":"neutral","sentiment_score":0.049303989857435226},{"text":"I've got people yelling at me.","start_word":2435,"end_word":2440,"sentiment":"negative","sentiment_score":-0.4735279977321625},{"text":"What for? Nothing. That's okay. Hi. Depending on the truck. I was gonna get on the two. Hey. I'm sorry.","start_word":2441,"end_word":2460,"sentiment":"neutral","sentiment_score":-0.13045141100883484},{"text":"This is really loud, Hannah.","start_word":2461,"end_word":2465,"sentiment":"negative","sentiment_score":-0.357427179813385},{"text":"I'm just going up into an office.","start_word":2466,"end_word":2472,"sentiment":"neutral","sentiment_score":-0.23997259140014648},{"text":"Wrong time to ring, but I need to get it done.","start_word":2473,"end_word":2483,"sentiment":"negative","sentiment_score":-0.3434160351753235},{"text":"Always. Righto. Quick. What's up? There Yeah. we go. Yeah. So we're gonna look at like, I'm gonna look at making sure that I'm I'm keeping in line with, like, your like, you're a little bit more of a conservative lane, but focusing on getting decent growth out of the investments. So I don't wanna you know, everything in one area. I don't wanna pool the investments too much or get too heavy with you know, in any one sector. So, you know, you've got your mining sectors, and you've got your minerals, and you've got education, health, all that kind of stuff. So I don't wanna obviously get too weighted in one sector. I wanna make sure we have good diversity across the market so that way we're able to ebb and flow as the market ebb and flow. Now the insurance is what I will also look at, and I'll look at making sure that we can put some strong estate planning in place as well to make sure that your assets are protected for the kids moving forward. Outside of that, the other goals that you had, as you said, you were pretty much, like, personally just budget planning and going from there. So I will what I'll do from here is I'll start putting together research. So I go away and I, you know, research with other providers, research your current your current investment, make sure I've got a good understanding as to how it's invested and where where it's sitting. And then I put together a document called a statement of advice, and then we go from there with regards to basically having a bit of a conversation about Yep. the Go on.","start_word":2484,"end_word":2771,"sentiment":"neutral","sentiment_score":0.11605280930072898},{"text":"all the Thank all you.","start_word":2772,"end_word":2776,"sentiment":"positive","sentiment_score":0.3535683751106262},{"text":"the details that I put together.","start_word":2777,"end_word":2782,"sentiment":"neutral","sentiment_score":0.3000660836696625},{"text":"Right. That'd be awesome. Thank you.","start_word":2783,"end_word":2788,"sentiment":"positive","sentiment_score":0.6313213109970093},{"text":"I'm That's just gonna go right. and drop Jerry because they're waiting on my parts right now, and she's meant to be here at 08:00. For that Oh my god. Sorry. You Yes.","start_word":2789,"end_word":2821,"sentiment":"neutral","sentiment_score":0.08382654190063477},{"text":"are so good.","start_word":2822,"end_word":2824,"sentiment":"positive","sentiment_score":0.4724807739257813},{"text":"So Oh I my will talk to you next god. week when I Yep. have that That'd statement be of awesome. advice Yeah. put Tuesday, together. I think he booked in, but that'd be awesome.","start_word":2825,"end_word":2859,"sentiment":"neutral","sentiment_score":0.16044005751609802},{"text":"Thank you. Absolutely, darling. And good luck. Happy hunting. And we will talk to you soon.","start_word":2860,"end_word":2875,"sentiment":"positive","sentiment_score":0.6235374212265015},{"text":"We will. I'll talk to you then.","start_word":2876,"end_word":2882,"sentiment":"neutral","sentiment_score":0.25061988830566406},{"text":"Have a good Thanks, rest doll.","start_word":2883,"end_word":2888,"sentiment":"positive","sentiment_score":0.5677809119224548},{"text":"of the day. Hopefully, it gets You easier. no. It was. But, anyway, happy days.","start_word":2889,"end_word":2903,"sentiment":"neutral","sentiment_score":0.17650309205055237},{"text":"Thank you.","start_word":2904,"end_word":2905,"sentiment":"positive","sentiment_score":0.6350216269493103},{"text":"Okay. Bye. Bye.","start_word":2906,"end_word":2908,"sentiment":"neutral","sentiment_score":0.20803862810134888}],"average":{"sentiment":"neutral","sentiment_score":0.07369504326632406}}}}