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So before we jump into it for today, I do need a complete security with you if you're okay with that. It's just your full name, date of birth, and address, and then we can have a bit of a conversation about things. Perfect. Thanks for that, Gaspar. Okay. So you spoke with Caden at the end of last week just with regards to, like, your contribution form and then wanting to look at maybe making some personal contributions. So run me through it. Are we are we sort of looking at, like, tax tax deductible contributions? We're just looking at avenues to be able to boost our super. I guess, what what's the driving factor behind wanting to to undertake this? Yeah. Okay. Perfect. Alright. Alright. So you can In this financial year, you can put in 32,500 of what's called concessional contributions. So what that is is that funds put into your into your funds taken out of your gross income, so before you pay tax, and paid into your superannuation fund, what that does is that reduces your gross income, which means it reduces your marginal tax and enables you to build your funds in your superannuation while reducing your tax personally. Now I know that Dana spoke to you in June when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up. So, ultimately speaking, I guess it comes down to a couple of questions. Whether your goal to for your retirement age has changed, And then outside of that, whether you how much money you have in excess of your your your needs to be able to to direct towards your superannuation fund. Yeah. Yes. Yes. Yeah. Now question. Is is your is your new is your income still sitting at that 180,000? Yeah? Cool. And that's your base salary without overtime? No. You're okay. Yep. Okay. No. You're okay. Okay. 182. Perfect. And you get paid super on all of that? Okay. And your contract is just a standard 12% super contributions? Okay. Perfect. Alright. So your employer already pays $21,840 on your behalf based on your income, which means that as a gap, you could essentially put in additional $10. Yes. We definitely could. No. No. No. Yeah. Yeah. So it would be fortnightly contributions out of your paychecks. So say you'd sort of be able to do, like, 380 five. It it would it'd be, like, $385 to use that $10 amount that you have sitting there. You're asking all the hard hitting questions, aren't you? No. You're so fine. No. I am just kidding. You are absolutely okay. Alright. So on your current income for this for this tax year, a $182,000, you currently it means what you earn net is about $129,950. Now that means that you pay $52,050. Now if we were to that's without any deductions or anything like that. That's just based based on your base salary going through. Now if you were to do $385 per fortnight, what that would do was that would reduce It reduces your tax by just size four brand. $4,000. You're you're still in the 37% tax bracket. Yeah. So you're not quite on your on your 182,000 a year, you're not quite pushing into the highest tax bracket. You're sitting you're sitting just within that second to highest bracket because the brackets are basically 0 to 18,000 is no tax. 18 to 45 is your 16%. 45 to one thirty five is your 30%. One thirty five to one ninety is which is where you fall is that 37% tax bracket. And then one ninety plus is, yeah, 45. Yeah. If you do overtime push if you earn $8 more in the year, what that means is that you push into the highest tax bracket. All that means is that any dollar that you earn over a $190,000 is taxed at 45%. It's not every single only after one ninety. It's it's it's tiered. So it's so the first $18,000 you earn in the year, it's you pay nothing. So the money between 18,000 and 45, it's a six. It's it's each bracket you get charged at each individual amount. But because you're a salaried employee, they average that out over the year. So that way, it's not like, you know, the first the first pay that you get in in the year, you pay no tax on, and then the second, you know, pay, you pay heaps of tax on. It's they average it out based on if you were to continue earning this amount of money each pay cycle throughout the year, you would earn this much, which breaks down to this much tax. So it it just it it brackets it for you. I think the biggest issue is is that if you end up contributing over in your super for the year, you may end up with a with a a higher tax payable. So you know how I said that you can only contribute up to 32,500 under that tax savings concessional contribution bracket? If you end up doing overtime and you push yourself above that bracket, you could end up paying more than 32,500 into your super, which is going to trigger something called the Vision two nine three tax, which means that your super fund doesn't your super fund will pay 47 forty forty seven 45% tax. And it may end up being that you paid more tax. So it comes into question now that, I guess, based on the fact that you could do overtime, there's a couple of avenues that we could look at contributing this money in. So what we could do is instead of you having a tax savings throughout the year, if you pop money in and say we, you know, say we pop in, say, $300. I'm just spitballing here. I'm not recommending. But say we put in $300, we put that in over over each fortnight, that ends up being 7,800. At the end of the financial year, what we can do is we can have a look at your account to see how much you've contributed throughout the year, and then we can then submit a claim for the money you've put in, and we can convert that into what's called concessional contributions. You take the receipt, and you're able to then claim it with your accountant when you do your tax return and then get a bit of a a tax boost to your tax return. So rather than having rather than paying less tax throughout the year, you keep paying your higher like, your higher rate. It's the same rate, really, but you keep paying your your your tax rate throughout the year. You pop the money in personally, and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred bracket. Yeah. Yeah. And your tax return will look healthier rather than you paying less tax throughout the year. Yes. Yes. Yeah. No. I can I can look at it? It's about $3 in tax savings. So about $33 back. Yeah. So what I can do is I can can actually sit down and and run the figures properly rather than just having a off the cuff conversation. Get an actual plan put together as to how we look at contributing these funds and go from this there and then document it all so that way you have a guide to follow and look back on and something to show the wife. So that way she's she's not trying to go off your memory. Yep. I'll I'll actually sit down and I'll run it properly, and I'll have a look at based on how much we put into your fund, how like, what it what is it gonna do to the growth of the fund. I can stress test it a little bit and go from there rather than me just kind of off the cuff on the phone plucking figures. Because the $3.85 was just based on us trying to maximize and and put all the money in that we could. Theoretically speaking, we could look at we could look at putting in a lot more. It just it depends on how much you're willing to lose out of your income. Like, how much can you do without each fortnight? A fortnight? K. Because we could put more in because I'm just I'm actually just thinking because your balance we could actually do what's called carry forward contributions, which is which is where we we take the unused caps from the previous years and we apply it to this year. So we could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on. I know you're looking to retire soon ish, though. Yeah. Australian retiring. Yeah. Okay. No. That's okay. Cool. Alright. Well, let me have a look, and let me run some figures and and come back to you. Would, say, next week be okay? Tomorrow? When are you back? Thursday, twenty fourth? Alright. Done. Let's do that. Do you wanna go, say, nice and early in the morning, 09:00? Perfect. No. That's okay. Alright. Let's do that. Yeah. That's what that's what we have husbands for. Well done. If you set a limit, I can keep to the limit, and I can just make it work tax effectively. Cool. Alright. Let me run the figures, and I will show you where things fit. And we can next instead of be Thursday twenty fourth, we we can Yep. I sure can. Nope. I can do that. Okay. And that's per fortnight. Right? Just to make sure I've got the pay cycle right. Perfect. Okay. Easy. I will start working on it, and I'll talk to you next Thursday then. No stress, Casa. Speak then. 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Casper. I hung up on the sock hung up the sock and hung up on me at the same time by the looks of it. No. That's okay. I'm not offended at all.\n\nSo before we jump into it for today, I do need a complete security with you if you're okay with that. It's just your full name, date of birth, and address, and then we can have a bit of a conversation about things. Perfect. Thanks for that, Gaspar. Okay.\n\nSo you spoke with Caden at the end of last week just with regards to, like, your contribution form and then wanting to look at maybe making some personal contributions. So run me through it. Are we are we sort of looking at, like, tax tax deductible contributions? We're just looking at avenues to be able to boost our super. I guess, what what's the driving factor behind wanting to to undertake this?\n\nYeah. Okay. Perfect. Alright. Alright.\n\nSo you can In this financial year, you can put in 32,500 of what's called concessional contributions. So what that is is that funds put into your into your funds taken out of your gross income, so before you pay tax, and paid into your superannuation fund, what that does is that reduces your gross income, which means it reduces your marginal tax and enables you to build your funds in your superannuation while reducing your tax personally. Now I know that Dana spoke to you in June when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up. So, ultimately speaking, I guess it comes down to a couple of questions. Whether your goal to for your retirement age has changed, And then outside of that, whether you how much money you have in excess of your your your needs to be able to to direct towards your superannuation fund.\n\nYeah. Yes. Yes. Yeah. Now question.\n\nIs is your is your new is your income still sitting at that 180,000? Yeah? Cool. And that's your base salary without overtime? No.\n\nYou're okay. Yep. Okay. No. You're okay.\n\nOkay. 182. Perfect. And you get paid super on all of that? Okay.\n\nAnd your contract is just a standard 12% super contributions? Okay. Perfect. Alright. So your employer already pays $21,840 on your behalf based on your income, which means that as a gap, you could essentially put in additional $10.\n\nYes. We definitely could. No. No. No.\n\nYeah. Yeah. So it would be fortnightly contributions out of your paychecks. So say you'd sort of be able to do, like, 380 five. It it would it'd be, like, $385 to use that $10 amount that you have sitting there.\n\nYou're asking all the hard hitting questions, aren't you? No. You're so fine. No. I am just kidding.\n\nYou are absolutely okay. Alright. So on your current income for this for this tax year, a $182,000, you currently it means what you earn net is about $129,950. Now that means that you pay $52,050. Now if we were to that's without any deductions or anything like that.\n\nThat's just based based on your base salary going through. Now if you were to do $385 per fortnight, what that would do was that would reduce It reduces your tax by just size four brand. $4,000. You're you're still in the 37% tax bracket. Yeah.\n\nSo you're not quite on your on your 182,000 a year, you're not quite pushing into the highest tax bracket. You're sitting you're sitting just within that second to highest bracket because the brackets are basically 0 to 18,000 is no tax. 18 to 45 is your 16%. 45 to one thirty five is your 30%. One thirty five to one ninety is which is where you fall is that 37% tax bracket.\n\nAnd then one ninety plus is, yeah, 45. Yeah. If you do overtime push if you earn $8 more in the year, what that means is that you push into the highest tax bracket. All that means is that any dollar that you earn over a $190,000 is taxed at 45%. It's not every single only after one ninety.\n\nIt's it's it's tiered. So it's so the first $18,000 you earn in the year, it's you pay nothing. So the money between 18,000 and 45, it's a six. It's it's each bracket you get charged at each individual amount. But because you're a salaried employee, they average that out over the year.\n\nSo that way, it's not like, you know, the first the first pay that you get in in the year, you pay no tax on, and then the second, you know, pay, you pay heaps of tax on. It's they average it out based on if you were to continue earning this amount of money each pay cycle throughout the year, you would earn this much, which breaks down to this much tax. So it it just it it brackets it for you. I think the biggest issue is is that if you end up contributing over in your super for the year, you may end up with a with a a higher tax payable. So you know how I said that you can only contribute up to 32,500 under that tax savings concessional contribution bracket?\n\nIf you end up doing overtime and you push yourself above that bracket, you could end up paying more than 32,500 into your super, which is going to trigger something called the Vision two nine three tax, which means that your super fund doesn't your super fund will pay 47 forty forty seven 45% tax. And it may end up being that you paid more tax. So it comes into question now that, I guess, based on the fact that you could do overtime, there's a couple of avenues that we could look at contributing this money in. So what we could do is instead of you having a tax savings throughout the year, if you pop money in and say we, you know, say we pop in, say, $300. I'm just spitballing here.\n\nI'm not recommending. But say we put in $300, we put that in over over each fortnight, that ends up being 7,800. At the end of the financial year, what we can do is we can have a look at your account to see how much you've contributed throughout the year, and then we can then submit a claim for the money you've put in, and we can convert that into what's called concessional contributions. You take the receipt, and you're able to then claim it with your accountant when you do your tax return and then get a bit of a a tax boost to your tax return. So rather than having rather than paying less tax throughout the year, you keep paying your higher like, your higher rate.\n\nIt's the same rate, really, but you keep paying your your your tax rate throughout the year. You pop the money in personally, and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred bracket. Yeah. Yeah. And your tax return will look healthier rather than you paying less tax throughout the year.\n\nYes. Yes. Yeah. No. I can I can look at it?\n\nIt's about $3 in tax savings. So about $33 back. Yeah. So what I can do is I can can actually sit down and and run the figures properly rather than just having a off the cuff conversation. Get an actual plan put together as to how we look at contributing these funds and go from this there and then document it all so that way you have a guide to follow and look back on and something to show the wife.\n\nSo that way she's she's not trying to go off your memory. Yep. I'll I'll actually sit down and I'll run it properly, and I'll have a look at based on how much we put into your fund, how like, what it what is it gonna do to the growth of the fund. I can stress test it a little bit and go from there rather than me just kind of off the cuff on the phone plucking figures. Because the $3.85 was just based on us trying to maximize and and put all the money in that we could.\n\nTheoretically speaking, we could look at we could look at putting in a lot more. It just it depends on how much you're willing to lose out of your income. Like, how much can you do without each fortnight? A fortnight? K.\n\nBecause we could put more in because I'm just I'm actually just thinking because your balance we could actually do what's called carry forward contributions, which is which is where we we take the unused caps from the previous years and we apply it to this year. So we could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on. I know you're looking to retire soon ish, though. Yeah. Australian retiring.\n\nYeah. Okay. No. That's okay. Cool.\n\nAlright. Well, let me have a look, and let me run some figures and and come back to you. Would, say, next week be okay? Tomorrow? When are you back?\n\nThursday, twenty fourth? Alright. Done. Let's do that. Do you wanna go, say, nice and early in the morning, 09:00?\n\nPerfect. No. That's okay. Alright. Let's do that.\n\nYeah. That's what that's what we have husbands for. Well done. If you set a limit, I can keep to the limit, and I can just make it work tax effectively. Cool.\n\nAlright. Let me run the figures, and I will show you where things fit. And we can next instead of be Thursday twenty fourth, we we can Yep. I sure can. Nope.\n\nI can do that. Okay. And that's per fortnight. Right? Just to make sure I've got the pay cycle right.\n\nPerfect. Okay. Easy. I will start working on it, and I'll talk to you next Thursday then. No stress, Casa.\n\nSpeak then. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.01850995607674122},{"text":"I hung up on the sock hung up the sock and hung up on me at the same time by the looks of it.","start":3.6799998,"end":10.9,"sentiment":"neutral","sentiment_score":-0.14148178976029158},{"text":"No.","start":11.04,"end":11.36,"sentiment":"neutral","sentiment_score":-0.16983480751514435},{"text":"That's okay.","start":11.36,"end":12.0,"sentiment":"neutral","sentiment_score":-0.04545752704143524},{"text":"I'm not offended at all.","start":12.0,"end":13.38,"sentiment":"neutral","sentiment_score":-0.16584940403699874}],"sentiment":"neutral","sentiment_score":-0.1308394095257801,"num_words":34,"start":2.8799999,"end":13.38},{"sentences":[{"text":"So before we jump into it for today, I do need a complete security with you if you're okay with 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this?","start":68.585,"end":72.285,"sentiment":"neutral","sentiment_score":0.050711673039656416}],"sentiment":"neutral","sentiment_score":0.122356956441925,"num_words":73,"start":43.825,"end":72.285},{"sentences":[{"text":"Yeah.","start":75.225,"end":75.705,"sentiment":"neutral","sentiment_score":0.09220848977565764},{"text":"Okay.","start":75.705,"end":76.205,"sentiment":"neutral","sentiment_score":0.182240292429924},{"text":"Perfect.","start":77.705,"end":78.205,"sentiment":"neutral","sentiment_score":0.32105040550231934},{"text":"Alright.","start":78.665,"end":79.165,"sentiment":"neutral","sentiment_score":0.16987451910972595},{"text":"Alright.","start":88.02,"end":88.52,"sentiment":"neutral","sentiment_score":0.10008244216442108}],"sentiment":"neutral","sentiment_score":0.17309122979640962,"num_words":5,"start":75.225,"end":88.52},{"sentences":[{"text":"So you can In this financial year, you can put in 32,500 of what's called concessional contributions.","start":88.979996,"end":102.865,"sentiment":"neutral","sentiment_score":0.1071567820275531},{"text":"So what that is is that funds put into your into your funds taken out of your gross income, so before you pay tax, and paid into your superannuation fund, what that does is that reduces your gross income, which means it reduces your marginal tax and enables you to build your funds in your superannuation while reducing your tax personally.","start":102.924995,"end":127.515,"sentiment":"neutral","sentiment_score":0.19338288390245595},{"text":"Now I know that Dana spoke to you in June when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up.","start":128.05501,"end":166.06999,"sentiment":"neutral","sentiment_score":0.04015811210971509},{"text":"So, ultimately speaking, I guess it comes down to a couple of questions.","start":166.12999,"end":170.47,"sentiment":"neutral","sentiment_score":0.05194378472291506},{"text":"Whether your goal to for your retirement age has changed, And then outside of that, whether you how much money you have in excess of your your your needs to be able to to direct towards your superannuation fund.","start":172.76999,"end":191.79,"sentiment":"neutral","sentiment_score":0.057382128750666596}],"sentiment":"neutral","sentiment_score":0.09937611661719753,"num_words":191,"start":88.979996,"end":191.79},{"sentences":[{"text":"Yeah.","start":202.18999,"end":202.68999,"sentiment":"neutral","sentiment_score":0.022616714239120483},{"text":"Yes.","start":210.045,"end":210.545,"sentiment":"neutral","sentiment_score":0.14885477721691132},{"text":"Yes.","start":262.915,"end":263.315,"sentiment":"neutral","sentiment_score":0.039429232478141785},{"text":"Yeah.","start":263.315,"end":263.815,"sentiment":"neutral","sentiment_score":0.016203388571739197},{"text":"Now question.","start":264.195,"end":265.095,"sentiment":"neutral","sentiment_score":0.007555275224149227}],"sentiment":"neutral","sentiment_score":0.04036911049236854,"num_words":6,"start":202.18999,"end":265.095},{"sentences":[{"text":"Is is your is your new is your income still sitting at that 180,000?","start":265.315,"end":270.0,"sentiment":"neutral","sentiment_score":0.003364246604698045},{"text":"Yeah?","start":271.92,"end":272.24,"sentiment":"neutral","sentiment_score":0.11266078799962996},{"text":"Cool.","start":272.24,"end":272.74,"sentiment":"neutral","sentiment_score":0.19816002249717712},{"text":"And that's your base salary without overtime?","start":272.8,"end":274.98,"sentiment":"neutral","sentiment_score":0.0815492288342544},{"text":"No.","start":283.28,"end":283.44,"sentiment":"neutral","sentiment_score":-0.05723438039422035}],"sentiment":"neutral","sentiment_score":0.03631377018367251,"num_words":24,"start":265.315,"end":283.44},{"sentences":[{"text":"You're okay.","start":283.44,"end":283.995,"sentiment":"neutral","sentiment_score":-0.0017779376357793808},{"text":"Yep.","start":298.555,"end":298.95,"sentiment":"neutral","sentiment_score":0.07051034271717072},{"text":"Okay.","start":374.63498,"end":375.13498,"sentiment":"neutral","sentiment_score":0.0163283534348011},{"text":"No.","start":375.35498,"end":375.595,"sentiment":"neutral","sentiment_score":-0.07367029041051865},{"text":"You're okay.","start":375.595,"end":376.335,"sentiment":"neutral","sentiment_score":-0.0022136096959002316}],"sentiment":"neutral","sentiment_score":0.0007407587254419923,"num_words":7,"start":283.44,"end":376.335},{"sentences":[{"text":"Okay.","start":404.27,"end":404.51,"sentiment":"neutral","sentiment_score":0.05187369883060455},{"text":"182.","start":404.51,"end":405.31,"sentiment":"neutral","sentiment_score":0.05539626628160477},{"text":"Perfect.","start":405.31,"end":405.81,"sentiment":"positive","sentiment_score":0.3953205347061157},{"text":"And you get paid super on all of that?","start":406.35,"end":408.69,"sentiment":"neutral","sentiment_score":0.2249001148674223},{"text":"Okay.","start":411.23,"end":411.73,"sentiment":"neutral","sentiment_score":0.0456145852804184}],"sentiment":"neutral","sentiment_score":0.19786970145427263,"num_words":13,"start":404.27,"end":411.73},{"sentences":[{"text":"And your contract is just a standard 12% super contributions?","start":412.11,"end":415.09,"sentiment":"neutral","sentiment_score":0.028438656218349935},{"text":"Okay.","start":418.11,"end":418.61,"sentiment":"neutral","sentiment_score":0.16335035860538483},{"text":"Perfect.","start":420.345,"end":420.845,"sentiment":"positive","sentiment_score":0.3846139907836914},{"text":"Alright.","start":421.30502,"end":421.80502,"sentiment":"neutral","sentiment_score":0.17084285616874695},{"text":"So your employer already pays $21,840 on your behalf based on your income, which means that as a gap, you could essentially put in additional $10.","start":421.86502,"end":437.38998,"sentiment":"neutral","sentiment_score":0.11233063858862107}],"sentiment":"neutral","sentiment_score":0.10061000951398642,"num_words":39,"start":412.11,"end":437.38998},{"sentences":[{"text":"Yes.","start":451.785,"end":452.025,"sentiment":"neutral","sentiment_score":0.04060737788677216},{"text":"We definitely could.","start":452.025,"end":453.245,"sentiment":"neutral","sentiment_score":0.025017891079187393},{"text":"No.","start":453.785,"end":454.025,"sentiment":"neutral","sentiment_score":-0.0743757113814354},{"text":"No.","start":454.025,"end":454.185,"sentiment":"neutral","sentiment_score":-0.07685042917728424},{"text":"No.","start":454.185,"end":454.345,"sentiment":"neutral","sentiment_score":-0.09575258195400238}],"sentiment":"neutral","sentiment_score":-0.01875966734119824,"num_words":7,"start":451.785,"end":454.345},{"sentences":[{"text":"Yeah.","start":454.345,"end":454.585,"sentiment":"neutral","sentiment_score":-0.04693065583705902},{"text":"Yeah.","start":454.585,"end":454.745,"sentiment":"neutral","sentiment_score":0.0032570846378803253},{"text":"So it would be fortnightly contributions out of your paychecks.","start":454.745,"end":458.365,"sentiment":"neutral","sentiment_score":0.007160892896354199},{"text":"So say you'd sort of be able to do, like, 380 five.","start":459.225,"end":473.7,"sentiment":"neutral","sentiment_score":0.04070403318231305},{"text":"It it would it'd be, like, $385 to use that $10 amount that you have sitting there.","start":481.695,"end":491.66,"sentiment":"neutral","sentiment_score":0.05855857723337762}],"sentiment":"neutral","sentiment_score":0.03687511143706194,"num_words":41,"start":454.345,"end":491.66},{"sentences":[{"text":"You're asking all the hard hitting questions, aren't you?","start":497.64,"end":499.98,"sentiment":"neutral","sentiment_score":-0.06919932530985938},{"text":"No.","start":507.36502,"end":507.605,"sentiment":"neutral","sentiment_score":-0.1495407074689865},{"text":"You're so fine.","start":507.605,"end":508.585,"sentiment":"neutral","sentiment_score":-0.13158790891369185},{"text":"No.","start":509.605,"end":509.92502,"sentiment":"neutral","sentiment_score":-0.1116054356098175},{"text":"I am just kidding.","start":509.92502,"end":511.605,"sentiment":"neutral","sentiment_score":-0.06806710734963417}],"sentiment":"neutral","sentiment_score":-0.08616512372261947,"num_words":18,"start":497.64,"end":511.605},{"sentences":[{"text":"You are absolutely okay.","start":511.605,"end":512.905,"sentiment":"neutral","sentiment_score":0.25937777757644653},{"text":"Alright.","start":513.28503,"end":513.765,"sentiment":"neutral","sentiment_score":0.18037645518779755},{"text":"So on your current income for this for this tax year, a $182,000, you currently it means what you earn net is about $129,950.","start":513.765,"end":525.05,"sentiment":"neutral","sentiment_score":0.1139405919238925},{"text":"Now that means that you pay $52,050.","start":526.39,"end":530.085,"sentiment":"neutral","sentiment_score":0.10952838723148618},{"text":"Now if we were to that's without any deductions or anything like that.","start":533.125,"end":536.965,"sentiment":"neutral","sentiment_score":0.02866703995431845}],"sentiment":"neutral","sentiment_score":0.10391493881007238,"num_words":49,"start":511.605,"end":536.965},{"sentences":[{"text":"That's just based based on your base salary going through.","start":536.965,"end":540.98505,"sentiment":"neutral","sentiment_score":0.05602656677365303},{"text":"Now if you were to do $385 per fortnight, what that would do was that would reduce It reduces your tax by just size four brand.","start":541.28503,"end":565.235,"sentiment":"neutral","sentiment_score":0.06562373815820767},{"text":"$4,000.","start":569.695,"end":570.83496,"sentiment":"neutral","sentiment_score":0.032411374151706696},{"text":"You're you're still in the 37% tax bracket.","start":578.60004,"end":581.80005,"sentiment":"neutral","sentiment_score":-0.058529803063720465},{"text":"Yeah.","start":581.80005,"end":582.28,"sentiment":"neutral","sentiment_score":-0.02843780443072319}],"sentiment":"neutral","sentiment_score":0.039178652283938034,"num_words":46,"start":536.965,"end":582.28},{"sentences":[{"text":"So you're not quite on your on your 182,000 a year, you're not quite pushing into the highest tax bracket.","start":582.28,"end":589.20496,"sentiment":"neutral","sentiment_score":-0.1498542485758662},{"text":"You're sitting you're sitting just within that second to highest bracket because the brackets are basically 0 to 18,000 is no tax.","start":590.305,"end":600.27,"sentiment":"neutral","sentiment_score":-0.033428931439464744},{"text":"18 to 45 is your 16%.","start":601.47003,"end":605.57,"sentiment":"neutral","sentiment_score":-0.012172571926688155},{"text":"45 to one thirty five is your 30%.","start":606.19,"end":609.57,"sentiment":"neutral","sentiment_score":0.024057777598500252},{"text":"One thirty five to one ninety is which is where you fall is that 37% tax bracket.","start":610.59,"end":615.975,"sentiment":"neutral","sentiment_score":0.03623891030164326}],"sentiment":"neutral","sentiment_score":-0.04105524929903754,"num_words":73,"start":582.28,"end":615.975},{"sentences":[{"text":"And then one ninety plus is, yeah, 45.","start":616.615,"end":620.39496,"sentiment":"neutral","sentiment_score":0.010848276549950242},{"text":"Yeah.","start":631.05,"end":631.37,"sentiment":"neutral","sentiment_score":-0.04205874726176262},{"text":"If you do overtime push if you earn $8 more in the year, what that means is that you push into the highest tax bracket.","start":631.37,"end":639.63,"sentiment":"neutral","sentiment_score":-0.0769406746327877},{"text":"All that means is that any dollar that you earn over a $190,000 is taxed at 45%.","start":639.93,"end":646.02997,"sentiment":"neutral","sentiment_score":-0.24400388142641852},{"text":"It's not every single only after one ninety.","start":646.81494,"end":650.25494,"sentiment":"neutral","sentiment_score":-0.07112533133476973}],"sentiment":"neutral","sentiment_score":-0.11179420399337502,"num_words":59,"start":616.615,"end":650.25494},{"sentences":[{"text":"It's it's it's tiered.","start":650.25494,"end":651.71497,"sentiment":"neutral","sentiment_score":-0.03677144506946206},{"text":"So it's so the first $18,000 you earn in the year, it's you pay nothing.","start":651.855,"end":656.435,"sentiment":"neutral","sentiment_score":0.013536446417371431},{"text":"So the money between 18,000 and 45, it's a six.","start":656.65497,"end":659.88,"sentiment":"neutral","sentiment_score":0.0440802339464426},{"text":"It's it's each bracket you get charged at each individual amount.","start":660.04,"end":663.58,"sentiment":"neutral","sentiment_score":0.05714712224223397},{"text":"But because you're a salaried employee, they average that out over the year.","start":663.64,"end":669.56,"sentiment":"neutral","sentiment_score":0.12954458594322205}],"sentiment":"neutral","sentiment_score":0.05300870221459641,"num_words":53,"start":650.25494,"end":669.56},{"sentences":[{"text":"So that way, it's not like, you know, the first the first pay that you get in in the year, you pay no tax on, and then the second, you know, pay, you pay heaps of tax on.","start":669.56,"end":678.29504,"sentiment":"neutral","sentiment_score":0.11298387468253311},{"text":"It's they average it out based on if you were to continue earning this amount of money each pay cycle throughout the year, you would earn this much, which breaks down to this much tax.","start":678.29504,"end":687.69,"sentiment":"neutral","sentiment_score":0.18117236218282154},{"text":"So it it just it it brackets it for you.","start":687.93,"end":690.59,"sentiment":"neutral","sentiment_score":0.05735701359808445},{"text":"I think the biggest issue is is that if you end up contributing over in your super for the year, you may end up with a with a a higher tax payable.","start":710.495,"end":724.77997,"sentiment":"negative","sentiment_score":-0.4380040974356234},{"text":"So you know how I said that you can only contribute up to 32,500 under that tax savings concessional contribution bracket?","start":725.24,"end":731.98,"sentiment":"neutral","sentiment_score":-0.21166385284491948}],"sentiment":"neutral","sentiment_score":-0.05333148512770148,"num_words":136,"start":669.56,"end":731.98},{"sentences":[{"text":"If you end up doing overtime and you push yourself above that bracket, you could end up paying more than 32,500 into your super, which is going to trigger something called the Vision two nine three tax, which means that your super fund doesn't your super fund will pay 47 forty forty seven 45% tax.","start":732.575,"end":757.22003,"sentiment":"negative","sentiment_score":-0.5074127050963315},{"text":"And it may end up being that you paid more tax.","start":759.92004,"end":763.365,"sentiment":"negative","sentiment_score":-0.497231356122277},{"text":"So it comes into question now that, I guess, based on the fact that you could do overtime, there's a couple of avenues that we could look at contributing this money in.","start":763.845,"end":773.785,"sentiment":"neutral","sentiment_score":-0.20694678416475654},{"text":"So what we could do is instead of you having a tax savings throughout the year, if you pop money in and say we, you know, say we pop in, say, $300.","start":773.925,"end":784.06006,"sentiment":"neutral","sentiment_score":-0.009307438042014837},{"text":"I'm just spitballing here.","start":784.68005,"end":785.72003,"sentiment":"neutral","sentiment_score":-0.32558684796094894}],"sentiment":"neutral","sentiment_score":-0.3104457179112221,"num_words":134,"start":732.575,"end":785.72003},{"sentences":[{"text":"I'm not recommending.","start":785.72003,"end":786.54004,"sentiment":"negative","sentiment_score":-0.47350504994392395},{"text":"But say we put in $300, we put that in over over each fortnight, that ends up being 7,800.","start":787.0,"end":792.635,"sentiment":"neutral","sentiment_score":-0.1661147236039764},{"text":"At the end of the financial year, what we can do is we can have a look at your account to see how much you've contributed throughout the year, and then we can then submit a claim for the money you've put in, and we can convert that into what's called concessional contributions.","start":793.095,"end":811.76,"sentiment":"neutral","sentiment_score":0.18996039974801945},{"text":"You take the receipt, and you're able to then claim it with your accountant when you do your tax return and then get a bit of a a tax boost to your tax return.","start":812.22,"end":820.685,"sentiment":"positive","sentiment_score":0.35314186881570253},{"text":"So rather than having rather than paying less tax throughout the year, you keep paying your higher like, your higher rate.","start":820.745,"end":827.325,"sentiment":"neutral","sentiment_score":0.03819242084310168}],"sentiment":"neutral","sentiment_score":0.1407697743521287,"num_words":130,"start":785.72003,"end":827.325},{"sentences":[{"text":"It's the same rate, really, but you keep paying your your your tax rate throughout the year.","start":827.945,"end":832.44,"sentiment":"neutral","sentiment_score":0.13502624784322345},{"text":"You pop the money in personally, and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred bracket.","start":832.68,"end":851.35504,"sentiment":"positive","sentiment_score":0.3725189868556826},{"text":"Yeah.","start":851.41504,"end":851.73505,"sentiment":"positive","sentiment_score":0.49257054924964905},{"text":"Yeah.","start":851.73505,"end":851.97504,"sentiment":"positive","sentiment_score":0.5724780559539795},{"text":"And your tax return will look healthier rather than you paying less tax throughout the year.","start":851.97504,"end":856.23505,"sentiment":"positive","sentiment_score":0.6331965532153845}],"sentiment":"positive","sentiment_score":0.3787309749383632,"num_words":73,"start":827.945,"end":856.23505},{"sentences":[{"text":"Yes.","start":861.26996,"end":861.76996,"sentiment":"neutral","sentiment_score":0.2737603783607483},{"text":"Yes.","start":861.99,"end":862.49,"sentiment":"positive","sentiment_score":0.335185706615448},{"text":"Yeah.","start":884.82,"end":885.32,"sentiment":"neutral","sentiment_score":0.010858111083507538},{"text":"No.","start":885.7,"end":885.94,"sentiment":"neutral","sentiment_score":-0.016781801357865334},{"text":"I can I can look at it?","start":885.94,"end":887.48,"sentiment":"neutral","sentiment_score":-0.009032063452260835}],"sentiment":"neutral","sentiment_score":0.04907254095781933,"num_words":11,"start":861.26996,"end":887.48},{"sentences":[{"text":"It's about $3 in tax savings.","start":888.5,"end":890.52,"sentiment":"neutral","sentiment_score":0.04264484532177448},{"text":"So about $33 back.","start":891.62,"end":893.615,"sentiment":"neutral","sentiment_score":0.09115325286984444},{"text":"Yeah.","start":903.115,"end":903.615,"sentiment":"neutral","sentiment_score":0.16514764726161957},{"text":"So what I can do is I can can actually sit down and and run the figures properly rather than just having a off the cuff conversation.","start":903.915,"end":910.55,"sentiment":"neutral","sentiment_score":0.15455571589646516},{"text":"Get an actual plan put together as to how we look at contributing these funds and go from this there and then document it all so that way you have a guide to follow and look back on and something to show the wife.","start":911.49,"end":924.975,"sentiment":"neutral","sentiment_score":0.24083755842664026}],"sentiment":"neutral","sentiment_score":0.18970105647132163,"num_words":82,"start":888.5,"end":924.975},{"sentences":[{"text":"So that way she's she's not trying to go off your memory.","start":925.035,"end":928.095,"sentiment":"neutral","sentiment_score":0.06472560468440254},{"text":"Yep.","start":934.50995,"end":935.00995,"sentiment":"neutral","sentiment_score":0.061707235872745514},{"text":"I'll I'll actually sit down and I'll run it properly, and I'll have a look at based on how much we put into your fund, how like, what it what is it gonna do to the growth of the fund.","start":945.47,"end":954.825,"sentiment":"neutral","sentiment_score":0.11417099442332983},{"text":"I can stress test it a little bit and go from there rather than me just kind of off the cuff on the phone plucking figures.","start":954.885,"end":960.965,"sentiment":"neutral","sentiment_score":-0.016441312403633043},{"text":"Because the $3.85 was just based on us trying to maximize and and put all the money in that we could.","start":960.965,"end":968.73,"sentiment":"neutral","sentiment_score":0.20937091870499508}],"sentiment":"neutral","sentiment_score":0.09374569439329207,"num_words":100,"start":925.035,"end":968.73},{"sentences":[{"text":"Theoretically speaking, we could look at we could look at putting in a lot more.","start":969.02997,"end":973.02997,"sentiment":"neutral","sentiment_score":0.132514534642299},{"text":"It just it depends on how much you're willing to lose out of your income.","start":973.02997,"end":976.17,"sentiment":"neutral","sentiment_score":-0.017702043801546097},{"text":"Like, how much can you do without each fortnight?","start":976.70996,"end":978.915,"sentiment":"neutral","sentiment_score":0.020173293848832447},{"text":"A fortnight?","start":989.63495,"end":990.295,"sentiment":"neutral","sentiment_score":0.035058245062828064},{"text":"K.","start":993.475,"end":993.81,"sentiment":"neutral","sentiment_score":0.06366798281669617}],"sentiment":"neutral","sentiment_score":0.04851265429031281,"num_words":42,"start":969.02997,"end":993.81},{"sentences":[{"text":"Because we could put more in because I'm just I'm actually just thinking because your balance we could actually do what's called carry forward contributions, which is which is where we we take the unused caps from the previous years and we apply it to this year.","start":995.01,"end":1014.895,"sentiment":"neutral","sentiment_score":0.12113621616934209},{"text":"So we could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on.","start":1015.35504,"end":1027.75,"sentiment":"neutral","sentiment_score":0.20380621595728782},{"text":"I know you're looking to retire soon ish, though.","start":1027.89,"end":1030.23,"sentiment":"neutral","sentiment_score":-0.02093350390593211},{"text":"Yeah.","start":1044.545,"end":1045.045,"sentiment":"neutral","sentiment_score":0.00340108759701252},{"text":"Australian retiring.","start":1046.4651,"end":1047.525,"sentiment":"neutral","sentiment_score":0.06382366642355919}],"sentiment":"neutral","sentiment_score":0.1328226859991749,"num_words":90,"start":995.01,"end":1047.525},{"sentences":[{"text":"Yeah.","start":1060.53,"end":1061.03,"sentiment":"neutral","sentiment_score":0.14366723597049713},{"text":"Okay.","start":1061.65,"end":1062.05,"sentiment":"neutral","sentiment_score":0.12782344222068787},{"text":"No.","start":1062.05,"end":1062.2101,"sentiment":"neutral","sentiment_score":0.05397176742553711},{"text":"That's 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09:00?","start":1104.52,"end":1107.5,"sentiment":"neutral","sentiment_score":0.12199582904577255}],"sentiment":"neutral","sentiment_score":0.1247517816722393,"num_words":20,"start":1096.615,"end":1107.5},{"sentences":[{"text":"Perfect.","start":1117.7749,"end":1118.2749,"sentiment":"positive","sentiment_score":0.3468177318572998},{"text":"No.","start":1125.615,"end":1125.9349,"sentiment":"neutral","sentiment_score":-0.11096379905939102},{"text":"That's okay.","start":1125.9349,"end":1126.835,"sentiment":"neutral","sentiment_score":-0.026014238595962524},{"text":"Alright.","start":1126.8949,"end":1127.2949,"sentiment":"neutral","sentiment_score":0.11658939719200134},{"text":"Let's do 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effectively.","start":1164.22,"end":1168.24,"sentiment":"neutral","sentiment_score":0.0449208902195096},{"text":"Cool.","start":1183.715,"end":1184.195,"sentiment":"positive","sentiment_score":0.4863691329956054}],"sentiment":"neutral","sentiment_score":0.10375881881918758,"num_words":32,"start":1132.11,"end":1184.195},{"sentences":[{"text":"Alright.","start":1184.195,"end":1184.695,"sentiment":"neutral","sentiment_score":0.2866441011428833},{"text":"Let me run the figures, and I will show you where things fit.","start":1184.7799,"end":1187.76,"sentiment":"neutral","sentiment_score":0.15174835060651487},{"text":"And we can next instead of be Thursday twenty fourth, we we can Yep.","start":1187.8999,"end":1204.4149,"sentiment":"neutral","sentiment_score":0.027076109844659055},{"text":"I sure can.","start":1220.14,"end":1221.2001,"sentiment":"neutral","sentiment_score":-0.09470047801733017},{"text":"Nope.","start":1221.9,"end":1222.155,"sentiment":"neutral","sentiment_score":-0.1546420454978943}],"sentiment":"neutral","sentiment_score":0.0687404599157162,"num_words":32,"start":1184.195,"end":1222.155},{"sentences":[{"text":"I can do that.","start":1222.635,"end":1234.5751,"sentiment":"neutral","sentiment_score":-0.0728034321218729},{"text":"Okay.","start":1234.635,"end":1234.9551,"sentiment":"neutral","sentiment_score":0.07053041458129883},{"text":"And that's per fortnight.","start":1234.9551,"end":1235.915,"sentiment":"neutral","sentiment_score":0.07913667894899845},{"text":"Right?","start":1235.915,"end":1236.155,"sentiment":"neutral","sentiment_score":0.056278206408023834},{"text":"Just to make sure I've got the pay cycle 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Sorry about that. Yeah. Caspige and Endrew Constantum. It's the 05/22/1970 '7, and it should be 34 Nursery Place in Richlands. I was gonna say WA. Sorry. Richland, Port Gerald, 4 077. Yes. Tax reduction. So how much can you put in? How much we how much can you put in annually? And how do we go about it? Yes. Yeah. Mhmm. Yep. Mhmm. Okay. Well, that would be $1,032,000. It's probably a lot of my salary. However, how much because we just started a new job in in Queensland. We our salary is in the same, but it's contract and not full time yet. But it's not gonna much change much either way. But I wanna put as much as I possibly can can into tax, but we get a cost to go for work back. So we get paid weekly. So we get doing seven days on, seven days off. So we get paid for five days and then put a one week and then we get paid for two days. But we are gonna do overtime as well, but I can't include that there because it's not set in stone, obviously. So I wanna know how much I can put in as much as I possibly get, pardon me, as as I can to pay less tax because being in the mining industry, obviously, we keep tax quite high. So that yep. Yep. Look. If you give me a second, I can just put you on speaker. Because because our previous job, our base salary was $1.66, but we get was hot seat allowance, all those things as part of the the the the the not the base, but additions on top where you always get it. If you know what I mean? Just gonna see I took a picture of that yesterday. Let me just find it where I've done it. I'm trying to find something I took a picture of yesterday. The eighties. So so I can tell you this from the picture. Your base rate of pay is $34.37. Then I get my casual loading, which is 25%, then all purpose loading of $24, and then flexible rewards in $10. So my hourly rate is $78.48. So how do I tell you how much I'm a year? How many how many seven days is there? Weeks or weeks obviously in the year. Let me let me just see if I can work that out. That's a 192. Okay. Yeah. Fuzz them away. Oh, that's nothing. Oh, well, it's not nothing, but yeah. So can I split that $10 into fortnightly contributions? Or it'd be every paycheck? Yeah. Yeah. If I can do that on my, you know, my bigger week pay, then when I get my small one, let's you know, that because that's my additional savings is my small one. So 300 what did you say? 300 and what? Yes. Okay. And how much will that reduce my tax by? My wife wants us to do this, so I need to have to write in for otherwise, she'll ask me to call me again. Okay. Okay. Yep. Yep. For how much? 4,000. And I will still be in the high-tech spectrum, won't I? Regardless. Okay. Now can I ask, even though I'm currently in the second one, if I do overtime and I go over the one ninety, then I'm on the 45? Ain't Only after one 90. Yeah. Okay. Would I would I benefit from I mean, I know, obviously, putting more money in my super will benefit my super. But will it benefit me tax wise even if I do overtime? Because we get we get about a $106 an hour for overtime, and we are planning to do four four months. Mhmm. Mhmm. 8. Yes. Yes. So and then, like, obviously, my super will grow and I get more money back in my tax return. Yeah. Because I get an untax threshold as well. That'll be even more. Mhmm. Mhmm. Can you tell me what sort of figure you would I be looking at for that amount, say, $300 over twelve months or $26.26 place within how much tax I will be entitled to give back within is that something you're able to work out? Just out of curiosity. Oh, that's well. I yeah. Because I got a 11.5. That's I'm always looking at 15,000. That sounds like the better avenue to me the way you're explaining it. Yes. I I yeah. I think we're right to go down this that avenue you just said. Now is 300 a maximum you would recommend, or would you have a actual figure like that 385? Is that gonna be better, or what is the minimum? Mhmm. Okay. Okay. Oh. Oh. Just play my car while I watch the house. So yeah. We we've got a couple of thousand we can play with. Yeah. Mhmm. Mhmm. It's just it's just because we got things in New Zealand, so the business back there. So I don't think I'll be retiring in the sense of retiring, but yeah. Yeah. Well, I think I'll have to still work in the mining industry for a couple of years, but yeah. I'm not gonna worry about it now, like I say, because we're obviously looking at purchasing a house as well. You wanna call me or you just wanna send me through the stuff? Because I'm flying to site tomorrow. I'm back when I finish night shift. Wednesday morning. So I'm back Wednesday week. So I'll probably be alright next Thursday sometimes, if that works for you. Yeah. What time? 09:00 should be fine, and then I'll I'll ask my wife to sit in with me because then you can explain everything to her as well because she wants to do the same thing. I keep asking him to sign up with you guys, but he's hard edit. So and she she uses me for the information. Yeah. Yeah. Yeah. Well, what I was gonna say, even though, you know, we obviously we wanna save more for the house. We obviously don't wanna, you know, put a thousand dollars because we both wanna do it. So I think, I mean, I'd I'll have to speak to a better amount, obviously. But yeah. Let's say if we put each 500 in, would it be higher than 500 or that amount up to us? Okay. Alright. And then we'll give a bigger tax back. We pay the same tax, but we get more tax back and are super gross. Okay. Well, that sounds that sounds like a win win to me, really. Okay. Yeah. Look, I I would say we probably we probably won't each go higher than than 500. I don't think it will below it'd be below 300. So I don't know if there's you know, I don't want you to go on 500 and then we say 400. So I don't know if there's sort of a thing you can say this is what 300, 400, or 500 gives you. Is that too much benefit? I don't think we'll go above that because, yeah, we we got about 2,600 additional savings now and out of the car's paid off. So yeah. Yeah. Yeah. For Fortnite. Alrighty. Thank you very much. I appreciate your help. Yeah. 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have put a push in my ear. Sorry about that. Yeah. Caspige and Endrew Constantum. It's the 05/22/1970 '7, and it should be 34 Nursery Place in Richlands.\n\nI was gonna say WA. Sorry. Richland, Port Gerald, 4 077. Yes. Tax reduction.\n\nSo how much can you put in? How much we how much can you put in annually? And how do we go about it? Yes. Yeah.\n\nMhmm. Yep. Mhmm. Okay. Well, that would be $1,032,000.\n\nIt's probably a lot of my salary. However, how much because we just started a new job in in Queensland. We our salary is in the same, but it's contract and not full time yet. But it's not gonna much change much either way. But I wanna put as much as I possibly can can into tax, but we get a cost to go for work back.\n\nSo we get paid weekly. So we get doing seven days on, seven days off. So we get paid for five days and then put a one week and then we get paid for two days. But we are gonna do overtime as well, but I can't include that there because it's not set in stone, obviously. So I wanna know how much I can put in as much as I possibly get, pardon me, as as I can to pay less tax because being in the mining industry, obviously, we keep tax quite high.\n\nSo that yep. Yep. Look. If you give me a second, I can just put you on speaker. Because because our previous job, our base salary was $1.66, but we get was hot seat allowance, all those things as part of the the the the the not the base, but additions on top where you always get it.\n\nIf you know what I mean? Just gonna see I took a picture of that yesterday. Let me just find it where I've done it. I'm trying to find something I took a picture of yesterday. The eighties.\n\nSo so I can tell you this from the picture. Your base rate of pay is $34.37. Then I get my casual loading, which is 25%, then all purpose loading of $24, and then flexible rewards in $10. So my hourly rate is $78.48. So how do I tell you how much I'm a year?\n\nHow many how many seven days is there? Weeks or weeks obviously in the year. Let me let me just see if I can work that out. That's a 192. Okay.\n\nYeah. Fuzz them away. Oh, that's nothing. Oh, well, it's not nothing, but yeah. So can I split that $10 into fortnightly contributions?\n\nOr it'd be every paycheck? Yeah. Yeah. If I can do that on my, you know, my bigger week pay, then when I get my small one, let's you know, that because that's my additional savings is my small one. So 300 what did you say?\n\n300 and what? Yes. Okay. And how much will that reduce my tax by? My wife wants us to do this, so I need to have to write in for otherwise, she'll ask me to call me again.\n\nOkay. Okay. Yep. Yep. For how much?\n\n4,000. And I will still be in the high-tech spectrum, won't I? Regardless. Okay. Now can I ask, even though I'm currently in the second one, if I do overtime and I go over the one ninety, then I'm on the 45?\n\nAin't Only after one 90. Yeah. Okay. Would I would I benefit from I mean, I know, obviously, putting more money in my super will benefit my super. But will it benefit me tax wise even if I do overtime?\n\nBecause we get we get about a $106 an hour for overtime, and we are planning to do four four months. Mhmm. Mhmm. 8. Yes.\n\nYes. So and then, like, obviously, my super will grow and I get more money back in my tax return. Yeah. Because I get an untax threshold as well. That'll be even more.\n\nMhmm. Mhmm. Can you tell me what sort of figure you would I be looking at for that amount, say, $300 over twelve months or $26.26 place within how much tax I will be entitled to give back within is that something you're able to work out? Just out of curiosity. Oh, that's well.\n\nI yeah. Because I got a 11.5. That's I'm always looking at 15,000. That sounds like the better avenue to me the way you're explaining it. Yes.\n\nI I yeah. I think we're right to go down this that avenue you just said. Now is 300 a maximum you would recommend, or would you have a actual figure like that 385? Is that gonna be better, or what is the minimum? Mhmm.\n\nOkay. Okay. Oh. Oh. Just play my car while I watch the house.\n\nSo yeah. We we've got a couple of thousand we can play with. Yeah. Mhmm. Mhmm.\n\nIt's just it's just because we got things in New Zealand, so the business back there. So I don't think I'll be retiring in the sense of retiring, but yeah. Yeah. Well, I think I'll have to still work in the mining industry for a couple of years, but yeah. I'm not gonna worry about it now, like I say, because we're obviously looking at purchasing a house as well.\n\nYou wanna call me or you just wanna send me through the stuff? Because I'm flying to site tomorrow. I'm back when I finish night shift. Wednesday morning. So I'm back Wednesday week.\n\nSo I'll probably be alright next Thursday sometimes, if that works for you. Yeah. What time? 09:00 should be fine, and then I'll I'll ask my wife to sit in with me because then you can explain everything to her as well because she wants to do the same thing. I keep asking him to sign up with you guys, but he's hard edit.\n\nSo and she she uses me for the information. Yeah. Yeah. Yeah. Well, what I was gonna say, even though, you know, we obviously we wanna save more for the house.\n\nWe obviously don't wanna, you know, put a thousand dollars because we both wanna do it. So I think, I mean, I'd I'll have to speak to a better amount, obviously. But yeah. Let's say if we put each 500 in, would it be higher than 500 or that amount up to us? Okay.\n\nAlright. And then we'll give a bigger tax back. We pay the same tax, but we get more tax back and are super gross. Okay. Well, that sounds that sounds like a win win to me, really.\n\nOkay. Yeah. Look, I I would say we probably we probably won't each go higher than than 500. I don't think it will below it'd be below 300. So I don't know if there's you know, I don't want you to go on 500 and then we say 400.\n\nSo I don't know if there's sort of a thing you can say this is what 300, 400, or 500 gives you. Is that too much benefit? I don't think we'll go above that because, yeah, we we got about 2,600 additional savings now and out of the car's paid off. So yeah. Yeah.\n\nYeah. For Fortnite. Alrighty. Thank you very much. I appreciate your help.\n\nYeah. Bye.","paragraphs":[{"sentences":[{"text":"Must have put a push in my ear.","start":7.9199996,"end":9.92,"sentiment":"neutral","sentiment_score":-0.19725660607218742},{"text":"Sorry about that.","start":9.92,"end":10.98,"sentiment":"neutral","sentiment_score":-0.2473865201075872},{"text":"Yeah.","start":24.945,"end":25.105,"sentiment":"neutral","sentiment_score":0.07060050964355469},{"text":"Caspige and Endrew Constantum.","start":25.105,"end":26.645,"sentiment":"neutral","sentiment_score":0.0476562175899744},{"text":"It's the 05/22/1970 '7, and it should be 34 Nursery Place in Richlands.","start":26.865,"end":33.97,"sentiment":"neutral","sentiment_score":0.02492375012773734}],"sentiment":"neutral","sentiment_score":-0.059826837146076665,"num_words":29,"start":7.9199996,"end":33.97},{"sentences":[{"text":"I was gonna say WA.","start":34.75,"end":36.05,"sentiment":"neutral","sentiment_score":-0.005371933616697788},{"text":"Sorry.","start":36.11,"end":36.61,"sentiment":"neutral","sentiment_score":0.000031968578696250916},{"text":"Richland, Port Gerald, 4 077.","start":36.67,"end":40.53,"sentiment":"neutral","sentiment_score":0.02270240765064955},{"text":"Yes.","start":57.14,"end":57.64,"sentiment":"neutral","sentiment_score":0.11649015545845032},{"text":"Tax reduction.","start":73.235,"end":74.055,"sentiment":"neutral","sentiment_score":0.045426664873957634}],"sentiment":"neutral","sentiment_score":0.021001987425344332,"num_words":14,"start":34.75,"end":74.055},{"sentences":[{"text":"So how much can you put in?","start":78.435,"end":80.355,"sentiment":"neutral","sentiment_score":0.10753313984189715},{"text":"How much we how much can you put in annually?","start":80.355,"end":83.11,"sentiment":"neutral","sentiment_score":0.07492614835500717},{"text":"And how do we go about 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$1,032,000.","start":195.96,"end":198.84001,"sentiment":"neutral","sentiment_score":0.058492270112037656}],"sentiment":"neutral","sentiment_score":0.06799014450775252,"num_words":9,"start":171.06,"end":198.84001},{"sentences":[{"text":"It's probably a lot of my salary.","start":198.84001,"end":201.02,"sentiment":"neutral","sentiment_score":0.015239157846995763},{"text":"However, how much because we just started a new job in in Queensland.","start":201.96,"end":209.355,"sentiment":"neutral","sentiment_score":0.04662369750440121},{"text":"We our salary is in the same, but it's contract and not full time yet.","start":211.415,"end":218.43,"sentiment":"neutral","sentiment_score":0.07914455235004425},{"text":"But it's not gonna much change much either way.","start":218.51,"end":221.81,"sentiment":"neutral","sentiment_score":-0.025554145375887554},{"text":"But I wanna put as much as I possibly can can into tax, but we get a cost to go for work back.","start":222.43,"end":229.23,"sentiment":"neutral","sentiment_score":0.08889504846023477}],"sentiment":"neutral","sentiment_score":0.05544103379013823,"num_words":67,"start":198.84001,"end":229.23},{"sentences":[{"text":"So we get paid weekly.","start":229.23,"end":230.67,"sentiment":"neutral","sentiment_score":0.2677490025758743},{"text":"So we get doing seven days on, seven days off.","start":230.67,"end":233.65,"sentiment":"neutral","sentiment_score":0.2963421821594238},{"text":"So we get paid for five days and then put a one week and then we get paid for two days.","start":234.11499,"end":240.675,"sentiment":"neutral","sentiment_score":0.19970041868232546},{"text":"But we are gonna do overtime as well, but I can't include that there because it's not set in stone, obviously.","start":240.675,"end":245.815,"sentiment":"neutral","sentiment_score":-0.14996132609390078},{"text":"So I wanna know how much I can put in as much as I possibly get, pardon me, as as I can to pay less tax because being in the mining industry, obviously, we keep tax quite high.","start":246.45001,"end":262.245,"sentiment":"neutral","sentiment_score":-0.07538005768468506}],"sentiment":"neutral","sentiment_score":0.02612890091381575,"num_words":95,"start":229.23,"end":262.245},{"sentences":[{"text":"So that yep.","start":264.385,"end":266.565,"sentiment":"neutral","sentiment_score":-0.0038001229986548424},{"text":"Yep.","start":270.86502,"end":271.36502,"sentiment":"neutral","sentiment_score":0.0829123854637146},{"text":"Look.","start":276.87,"end":277.19,"sentiment":"neutral","sentiment_score":0.035744503140449524},{"text":"If you give me a second, I can just put you on speaker.","start":277.19,"end":282.73,"sentiment":"neutral","sentiment_score":0.013451604888989376},{"text":"Because because our previous job, our base salary was $1.66, but we get was hot seat allowance, all those things as part of the the the the the not the base, but additions on top where you always get 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192.","start":400.22998,"end":402.015,"sentiment":"neutral","sentiment_score":0.022970970099171},{"text":"Okay.","start":409.61502,"end":410.11502,"sentiment":"neutral","sentiment_score":0.05927298963069916}],"sentiment":"neutral","sentiment_score":0.03211764144080301,"num_words":31,"start":365.12997,"end":410.11502},{"sentences":[{"text":"Yeah.","start":416.095,"end":416.595,"sentiment":"neutral","sentiment_score":-0.17462491989135742},{"text":"Fuzz them away.","start":416.65503,"end":417.71503,"sentiment":"neutral","sentiment_score":-0.19689646363258362},{"text":"Oh, that's nothing.","start":438.945,"end":440.005,"sentiment":"neutral","sentiment_score":0.024654353658358257},{"text":"Oh, well, it's not nothing, but yeah.","start":440.14502,"end":442.48502,"sentiment":"neutral","sentiment_score":0.051477194630673954},{"text":"So can I split that $10 into fortnightly 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minimum?","start":941.48004,"end":945.355,"sentiment":"neutral","sentiment_score":0.010494396835565568},{"text":"Mhmm.","start":955.77,"end":956.27,"sentiment":"neutral","sentiment_score":0.023239944130182263}],"sentiment":"neutral","sentiment_score":0.06789860344595379,"num_words":45,"start":927.035,"end":956.27},{"sentences":[{"text":"Okay.","start":962.8275,"end":963.3275,"sentiment":"neutral","sentiment_score":0.001691977260634303},{"text":"Okay.","start":977.325,"end":977.825,"sentiment":"neutral","sentiment_score":0.044613443315029144},{"text":"Oh.","start":982.22003,"end":982.7,"sentiment":"neutral","sentiment_score":0.1117548868060112},{"text":"Oh.","start":982.7,"end":982.86005,"sentiment":"neutral","sentiment_score":0.11791770160198212},{"text":"Just play my car while I watch the house.","start":982.86005,"end":985.10004,"sentiment":"neutral","sentiment_score":0.19021604458491007}],"sentiment":"neutral","sentiment_score":0.15291710848060364,"num_words":13,"start":962.8275,"end":985.10004},{"sentences":[{"text":"So yeah.","start":985.10004,"end":985.58,"sentiment":"neutral","sentiment_score":0.17718546092510223},{"text":"We we've got a couple of thousand we can play with.","start":985.58,"end":988.4,"sentiment":"neutral","sentiment_score":0.19986501132900064},{"text":"Yeah.","start":992.22003,"end":992.72003,"sentiment":"neutral","sentiment_score":0.06961960345506668},{"text":"Mhmm.","start":998.07495,"end":998.57495,"sentiment":"neutral","sentiment_score":0.0894172266125679},{"text":"Mhmm.","start":1015.94,"end":1016.44,"sentiment":"neutral","sentiment_score":0.19011887907981873}],"sentiment":"neutral","sentiment_score":0.18137760972604156,"num_words":16,"start":985.10004,"end":1016.44},{"sentences":[{"text":"It's just it's just because we got things in New Zealand, so the business back there.","start":1034.3201,"end":1041.04,"sentiment":"neutral","sentiment_score":0.0383552928105928},{"text":"So I don't think I'll be retiring in the sense of retiring, but yeah.","start":1041.04,"end":1045.4701,"sentiment":"neutral","sentiment_score":-0.17466023351464952},{"text":"Yeah.","start":1049.515,"end":1049.835,"sentiment":"neutral","sentiment_score":0.11414756625890732},{"text":"Well, I think I'll have to still work in the mining industry for a couple of years, but yeah.","start":1049.835,"end":1054.235,"sentiment":"neutral","sentiment_score":0.07045224701103411},{"text":"I'm not gonna worry about it now, like I say, because we're obviously looking at purchasing a house as well.","start":1054.235,"end":1059.215,"sentiment":"neutral","sentiment_score":0.19765606224536897}],"sentiment":"neutral","sentiment_score":0.051061470287718944,"num_words":70,"start":1034.3201,"end":1059.215},{"sentences":[{"text":"You wanna call me or you just wanna send me through the stuff?","start":1073.93,"end":1076.855,"sentiment":"neutral","sentiment_score":0.10327644359606963},{"text":"Because I'm flying to site tomorrow.","start":1076.855,"end":1079.115,"sentiment":"neutral","sentiment_score":0.04267868027091026},{"text":"I'm back when I finish night shift.","start":1082.695,"end":1086.7949,"sentiment":"neutral","sentiment_score":0.034255324197666984},{"text":"Wednesday morning.","start":1087.095,"end":1087.975,"sentiment":"neutral","sentiment_score":0.07172387093305588},{"text":"So I'm back Wednesday week.","start":1087.975,"end":1091.16,"sentiment":"neutral","sentiment_score":0.1311275154352188}],"sentiment":"neutral","sentiment_score":0.07992540717576489,"num_words":33,"start":1073.93,"end":1091.16},{"sentences":[{"text":"So I'll probably be alright next Thursday sometimes, if that works for you.","start":1091.56,"end":1096.38,"sentiment":"neutral","sentiment_score":0.20600353410610786},{"text":"Yeah.","start":1098.8401,"end":1099.3401,"sentiment":"neutral","sentiment_score":0.09973040223121644},{"text":"What time?","start":1102.68,"end":1103.5801,"sentiment":"neutral","sentiment_score":0.06467504985630512},{"text":"09:00 should be fine, and then I'll I'll ask my wife to sit in with me because then you can explain everything to her as well because she wants to do the same thing.","start":1108.6749,"end":1119.1549,"sentiment":"neutral","sentiment_score":0.2245402606751989},{"text":"I keep asking him to sign up with you guys, but he's hard edit.","start":1119.1549,"end":1122.59,"sentiment":"neutral","sentiment_score":-0.07428501014198576}],"sentiment":"neutral","sentiment_score":0.14846101822331548,"num_words":64,"start":1091.56,"end":1122.59},{"sentences":[{"text":"So and she she uses me for the information.","start":1122.6499,"end":1130.2699,"sentiment":"neutral","sentiment_score":0.06736982117096584},{"text":"Yeah.","start":1135.725,"end":1136.205,"sentiment":"neutral","sentiment_score":0.1529259979724884},{"text":"Yeah.","start":1136.205,"end":1136.365,"sentiment":"neutral","sentiment_score":0.11569245904684068},{"text":"Yeah.","start":1136.365,"end":1136.865,"sentiment":"neutral","sentiment_score":0.08234336227178574},{"text":"Well, what I was gonna say, even though, you know, we obviously we wanna save more for the house.","start":1137.325,"end":1145.725,"sentiment":"neutral","sentiment_score":0.0036406197438114568}],"sentiment":"neutral","sentiment_score":0.033111676934265324,"num_words":31,"start":1122.6499,"end":1145.725},{"sentences":[{"text":"We obviously don't wanna, you know, put a thousand dollars because we both wanna do it.","start":1145.725,"end":1150.4299,"sentiment":"neutral","sentiment_score":-0.08539794059470296},{"text":"So I think, I mean, I'd I'll have to speak to a better amount, obviously.","start":1150.4299,"end":1154.29,"sentiment":"neutral","sentiment_score":-0.04926282639304797},{"text":"But yeah.","start":1154.99,"end":1156.05,"sentiment":"neutral","sentiment_score":-0.02373102307319641},{"text":"Let's say if we put each 500 in, would it be higher than 500 or that amount up to us?","start":1156.27,"end":1162.665,"sentiment":"neutral","sentiment_score":-0.007125854957848787},{"text":"Okay.","start":1170.265,"end":1170.765,"sentiment":"neutral","sentiment_score":0.06833600252866745}],"sentiment":"neutral","sentiment_score":-0.04123986274417904,"num_words":54,"start":1145.725,"end":1170.765},{"sentences":[{"text":"Alright.","start":1171.2251,"end":1171.545,"sentiment":"neutral","sentiment_score":0.10895563662052156},{"text":"And then we'll give a bigger tax back.","start":1171.545,"end":1173.5651,"sentiment":"neutral","sentiment_score":0.12789921555668116},{"text":"We pay the same tax, but we get more tax back and are super gross.","start":1174.985,"end":1178.64,"sentiment":"neutral","sentiment_score":0.12207878530025482},{"text":"Okay.","start":1178.88,"end":1179.12,"sentiment":"positive","sentiment_score":0.3580288887023926},{"text":"Well, that sounds that sounds like a win win to me, really.","start":1179.12,"end":1182.58,"sentiment":"positive","sentiment_score":0.6452064861853918}],"sentiment":"neutral","sentiment_score":0.2990226449595915,"num_words":37,"start":1171.2251,"end":1182.58},{"sentences":[{"text":"Okay.","start":1192.0,"end":1192.24,"sentiment":"neutral","sentiment_score":0.03025016561150551},{"text":"Yeah.","start":1192.24,"end":1192.725,"sentiment":"neutral","sentiment_score":0.015894753858447075},{"text":"Look, I I would say we probably we probably won't each go higher than than 500.","start":1192.965,"end":1203.225,"sentiment":"neutral","sentiment_score":-0.041516620316542685},{"text":"I don't think it will below it'd be below 300.","start":1203.525,"end":1206.87,"sentiment":"neutral","sentiment_score":-0.10944635197520255},{"text":"So I don't know if there's you know, I don't want you to go on 500 and then we say 400.","start":1207.25,"end":1213.49,"sentiment":"neutral","sentiment_score":-0.12954254235540116}],"sentiment":"neutral","sentiment_score":-0.09046893703694246,"num_words":49,"start":1192.0,"end":1213.49},{"sentences":[{"text":"So I don't know if there's sort of a thing you can say this is what 300, 400, or 500 gives you.","start":1213.49,"end":1219.89,"sentiment":"neutral","sentiment_score":-0.0716468422588977},{"text":"Is that too much benefit?","start":1219.89,"end":1221.335,"sentiment":"neutral","sentiment_score":-0.07087512537837029},{"text":"I don't think we'll go above that because, yeah, we we got about 2,600 additional savings now and out of the car's paid off.","start":1223.315,"end":1232.88,"sentiment":"neutral","sentiment_score":0.0006726194793979321},{"text":"So yeah.","start":1233.36,"end":1238.16,"sentiment":"neutral","sentiment_score":0.10091197118163109},{"text":"Yeah.","start":1238.16,"end":1238.56,"sentiment":"neutral","sentiment_score":0.13392408192157745}],"sentiment":"neutral","sentiment_score":-0.029235467866615013,"num_words":54,"start":1213.49,"end":1238.56},{"sentences":[{"text":"Yeah.","start":1238.56,"end":1238.8,"sentiment":"neutral","sentiment_score":0.13042402267456055},{"text":"For Fortnite.","start":1238.8,"end":1239.54,"sentiment":"neutral","sentiment_score":0.23423536866903305},{"text":"Alrighty.","start":1247.225,"end":1247.625,"sentiment":"positive","sentiment_score":0.5395016670227051},{"text":"Thank you very much.","start":1247.625,"end":1248.505,"sentiment":"positive","sentiment_score":0.8486184179782867},{"text":"I appreciate your help.","start":1248.505,"end":1249.805,"sentiment":"positive","sentiment_score":0.8059400171041489}],"sentiment":"positive","sentiment_score":0.6463858472804228,"num_words":12,"start":1238.56,"end":1249.805},{"sentences":[{"text":"Yeah.","start":1252.585,"end":1253.0651,"sentiment":"neutral","sentiment_score":0.24636459350585935},{"text":"Bye.","start":1253.0651,"end":1253.5651,"sentiment":"neutral","sentiment_score":0.22141747176647184}],"sentiment":"neutral","sentiment_score":0.2338910326361656,"num_words":2,"start":1252.585,"end":1253.5651}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Casper. I hung up on the sock hung up the sock and hung up on me at the same time by the looks of\n\nChannel 1: Must have put a push in my ear. Sorry about\n\nChannel 0: it.\n\nChannel 1: that.\n\nChannel 0: No. That's okay. I'm not offended at all. So before we jump into it for today, I do need a complete security with you if you're okay with that. It's just your full name, date of birth, and address, and then we can have a bit of a conversation about things.\n\nChannel 1: Yeah. Caspige and Endrew Constantum. It's the 05/22/1970 '7, and it should be 34 Nursery Place in Richlands. I was gonna say WA. Sorry.\n\nRichland, Port Gerald, 4 077.\n\nChannel 0: Perfect. Thanks for that, Gaspar. Okay. So you spoke with Caden at the end of last week just with regards to, like, your contribution form and then wanting to look at maybe making some personal contributions.\n\nChannel 1: Yes.\n\nChannel 0: So run me through it. Are we are we sort of looking at, like, tax tax deductible contributions? We're just looking at avenues to be able to boost our super. I guess, what what's the driving factor behind wanting to to undertake this?\n\nChannel 1: Tax reduction.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: So\n\nChannel 0: Alright.\n\nChannel 1: how much can you put in? How much we how much can you put in annually? And how do we go about it?\n\nChannel 0: Alright. So you can In this financial year, you can put in 32,500 of what's called concessional contributions. So what that is is that funds put into your into your funds taken out of your gross income, so before you pay tax, and paid into your superannuation fund, what that does is that reduces your gross income, which means it reduces your marginal tax and enables you to build your funds in your superannuation while reducing your tax personally. Now I know that Dana spoke to you in June\n\nChannel 1: Yes.\n\nChannel 0: when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super\n\nChannel 1: Yeah.\n\nChannel 0: and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up. So, ultimately speaking, I guess it comes down to a couple of questions.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Whether your goal to for your retirement age has changed, And then\n\nChannel 1: Mhmm.\n\nChannel 0: outside of that, whether you how much money you have in excess of your your your needs to be able to to direct towards your superannuation fund.\n\nChannel 1: Okay. Well, that would be $1,032,000. It's probably a lot of my salary. However,\n\nChannel 0: Yeah.\n\nChannel 1: how much because we just started a new job in in Queensland.\n\nChannel 0: Yes.\n\nChannel 1: We our salary is in the same, but it's contract and not full time yet. But it's not gonna much change much either way. But I wanna put as much as I possibly can can into tax, but we get a cost to go for work back. So we get paid weekly. So we get doing seven days on, seven days off.\n\nSo we get paid for five days and then put a one week and then we get paid for two days. But we are gonna do overtime as well, but I can't include that there because it's not set in stone, obviously. So I wanna know how much I can put in as much as I possibly get, pardon me, as as I can to pay less tax because being in the mining industry, obviously, we keep tax quite high.\n\nChannel 0: Yes. Yeah. Now\n\nChannel 1: So\n\nChannel 0: question.\n\nChannel 1: that\n\nChannel 0: Is is\n\nChannel 1: yep.\n\nChannel 0: your is your new is your income still sitting at that 180,000?\n\nChannel 1: Yep.\n\nChannel 0: Yeah? Cool. And that's your base salary without overtime?\n\nChannel 1: Look. If you give me a second, I can just put you on speaker.\n\nChannel 0: No. You're okay.\n\nChannel 1: Because because our previous job, our base salary was $1.66, but we get was hot seat allowance, all those things as part of the the the the the not the base, but additions on top where you always get it. If you know what I mean?\n\nChannel 0: Yep.\n\nChannel 1: Just gonna see I took a picture of that yesterday. Let me just find it where I've done it. I'm trying to find something I took a picture of yesterday. The eighties. So so I can tell you this from the picture.\n\nYour base rate of pay is $34.37. Then I get my casual loading, which is 25%, then all purpose loading of $24, and then flexible rewards in $10. So my hourly rate is $78.48. So how do I tell you how much I'm a year? How many how many seven days is there?\n\nWeeks or weeks obviously in the year. Let me let me just see if I can work that out.\n\nChannel 0: Okay. No. You're okay.\n\nChannel 1: That's a 192.\n\nChannel 0: Okay. 182. Perfect. And you get paid super on all of that?\n\nChannel 1: Okay.\n\nChannel 0: Okay. And your contract is just a standard 12% super contributions?\n\nChannel 1: Yeah. Fuzz them away.\n\nChannel 0: Okay. Perfect. Alright. So your employer already pays $21,840 on your behalf based on your income, which means that as a gap, you could essentially put in additional $10.\n\nChannel 1: Oh, that's nothing. Oh, well, it's not nothing, but yeah. So can I split that $10 into fortnightly contributions? Or\n\nChannel 0: Yes.\n\nChannel 1: it'd be\n\nChannel 0: We\n\nChannel 1: every\n\nChannel 0: definitely\n\nChannel 1: paycheck?\n\nChannel 0: could. No. No. No. Yeah.\n\nYeah. So it would be fortnightly contributions out of your paychecks. So say you'd sort of be able to do, like, 380\n\nChannel 1: Yeah. Yeah. If I can do that on my, you know, my bigger week pay, then when I get my small one, let's you\n\nChannel 0: five.\n\nChannel 1: know, that because that's my additional savings is my small one. So\n\nChannel 0: It\n\nChannel 1: 300\n\nChannel 0: it would\n\nChannel 1: what did you say? 300 and what?\n\nChannel 0: it'd be, like, $385 to use that $10 amount\n\nChannel 1: Yes.\n\nChannel 0: that you have sitting there.\n\nChannel 1: Okay. And how much will that reduce my tax by?\n\nChannel 0: You're asking all the hard hitting questions, aren't you?\n\nChannel 1: My wife wants us to do this, so I need to have to write in for otherwise, she'll ask\n\nChannel 0: No.\n\nChannel 1: me\n\nChannel 0: You're\n\nChannel 1: to\n\nChannel 0: so\n\nChannel 1: call\n\nChannel 0: fine.\n\nChannel 1: me again.\n\nChannel 0: No. I am just kidding. You are absolutely okay. Alright. So on your current income for this for this tax year, a $182,000, you currently it means what you earn net is about $129,950.\n\nChannel 1: Okay.\n\nChannel 0: Now that means that you pay $52,050.\n\nChannel 1: Okay.\n\nChannel 0: Now if we were to that's without any deductions or anything like that. That's just based based on your base salary\n\nChannel 1: Yep.\n\nChannel 0: going through. Now if you were to do $385 per fortnight,\n\nChannel 1: Yep.\n\nChannel 0: what that would do was that would reduce It reduces your tax by just size four brand.\n\nChannel 1: For how much?\n\nChannel 0: $4,000.\n\nChannel 1: 4,000. And I will still be in the high-tech spectrum, won't I? Regardless.\n\nChannel 0: You're you're still in the 37% tax bracket. Yeah. So you're not quite on your on your 182,000 a year, you're not quite pushing into the highest tax bracket. You're sitting you're sitting just within that second to highest bracket because the brackets are basically 0 to 18,000 is no tax. 18 to 45 is your 16%.\n\n45 to one thirty five is your 30%. One thirty five to one ninety is which is where you fall is that 37% tax bracket. And then one ninety plus is, yeah, 45.\n\nChannel 1: Okay. Now can I ask, even though I'm currently in the second one, if I do overtime and I go over the one ninety, then I'm on the 45?\n\nChannel 0: Yeah. If you do overtime push if you earn $8 more in the year, what that means is that you push into the highest tax bracket. All that means is that any dollar\n\nChannel 1: Ain't\n\nChannel 0: that you earn over a $190,000 is taxed at 45%. It's not\n\nChannel 1: Only\n\nChannel 0: every\n\nChannel 1: after\n\nChannel 0: single\n\nChannel 1: one 90. Yeah.\n\nChannel 0: only\n\nChannel 1: Okay.\n\nChannel 0: after one ninety. It's it's it's tiered. So it's so the first $18,000 you earn in the year, it's you pay nothing. So the money between 18,000 and 45, it's a six. It's it's each bracket you get charged at each individual amount.\n\nBut because you're a salaried employee, they average that out over the year. So that way, it's not like, you know, the first the first pay that you get in in the year, you pay no tax on, and then the second, you know, pay, you pay heaps of tax on. It's they average it out based on if you were to continue earning this amount of money each pay cycle throughout the year, you would earn this much, which breaks down to this much tax. So it it just it it\n\nChannel 1: Would I\n\nChannel 0: brackets it for you.\n\nChannel 1: would I benefit from I mean, I know, obviously, putting more money in my super will benefit my super. But will it benefit me tax wise even if I do overtime? Because we get we get about a $106 an hour for overtime, and we are planning to do four four months.\n\nChannel 0: I think the biggest issue is is that if you end up contributing over in your super for the year, you may end up with a with a a higher tax payable. So you know how I said that you can only contribute up to 32,500 under that tax savings concessional contribution bracket? If you end up doing overtime and you push yourself above that bracket, you could end up paying more than 32,500 into your super, which is going to trigger something called the Vision two nine three tax, which means that your super fund doesn't your super fund will pay 47 forty forty seven 45% tax. And it may end up being that you paid more tax. So it comes into question now that, I guess, based on the fact that you could do overtime, there's a couple of avenues that we could look at contributing this money in.\n\nSo what we could do is instead of you having a tax savings throughout the year, if you pop money in and say we, you know,\n\nChannel 1: Mhmm.\n\nChannel 0: say we pop in, say, $300. I'm just spitballing here. I'm not recommending. But say we put in $300, we put that in over over each fortnight, that ends up being 7,800. At the end of the financial year, what we can do is we can have a look at your account to see how much you've contributed throughout the year,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we can then submit a claim for the\n\nChannel 1: 8.\n\nChannel 0: money you've put in, and we can convert that into what's called concessional contributions. You take the receipt, and you're able to then claim it with your accountant when you do your tax return and then get a bit of a a tax boost to your tax return. So rather than having rather than paying less tax throughout the year, you keep paying your higher like, your higher rate. It's\n\nChannel 1: Yes.\n\nChannel 0: the same rate, really, but you keep paying your your your tax rate throughout the year. You pop the money in personally,\n\nChannel 1: Yes.\n\nChannel 0: and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred\n\nChannel 1: So and then, like, obviously, my super will grow and I get more money back in my tax return.\n\nChannel 0: bracket. Yeah. Yeah. And your tax return will look healthier rather than you paying less tax throughout the year.\n\nChannel 1: Yeah. Because I get an untax threshold as well.\n\nChannel 0: Yes. Yes.\n\nChannel 1: That'll be even more. Mhmm. Mhmm. Can you tell me what sort of figure you would I be looking at for that amount, say, $300 over twelve months or $26.26 place within how much tax I will be entitled to give back within is that something you're able to work out? Just out of curiosity.\n\nChannel 0: Yeah. No. I can I can look at it? It's about $3 in tax savings.\n\nChannel 1: Oh, that's\n\nChannel 0: So\n\nChannel 1: well.\n\nChannel 0: about\n\nChannel 1: I\n\nChannel 0: $33 back.\n\nChannel 1: yeah. Because I got a 11.5. That's I'm always looking at 15,000. That sounds like the better avenue to me the way you're explaining it.\n\nChannel 0: Yeah. So what I can do is I can can actually sit down and and run the figures properly rather than just having a off the cuff conversation. Get an actual plan put together as to how we look at contributing these funds and go from this there and then document it all so that way you have a guide to follow and look back on and something to show the wife. So that way she's she's\n\nChannel 1: Yes.\n\nChannel 0: not trying\n\nChannel 1: I\n\nChannel 0: to go off\n\nChannel 1: I\n\nChannel 0: your memory.\n\nChannel 1: yeah. I think we're right to go down this that avenue you just said. Now\n\nChannel 0: Yep.\n\nChannel 1: is 300 a maximum you would recommend, or would you have a actual figure like that 385? Is that gonna be better, or what is the minimum?\n\nChannel 0: I'll I'll actually sit down and I'll run it properly, and I'll have a look at based on how much we put into your fund, how like, what it what is it gonna do to the growth of the fund. I can stress test it\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit and go from there rather than me just kind of off the cuff on the phone plucking figures. Because the $3.85 was just based on\n\nChannel 1: Okay.\n\nChannel 0: us trying to maximize and and put all the money in that we could. Theoretically speaking, we could look at we could look at putting in a lot more. It just it depends on how much you're willing to lose out of your income. Like, how much\n\nChannel 1: Okay.\n\nChannel 0: can you do without each fortnight?\n\nChannel 1: Oh. Oh. Just play my car while I watch the house. So yeah. We we've got a couple of thousand we can play with.\n\nChannel 0: A fortnight?\n\nChannel 1: Yeah.\n\nChannel 0: K. Because we could put more in\n\nChannel 1: Mhmm.\n\nChannel 0: because I'm just I'm actually just thinking because your balance we could actually do what's called carry forward contributions, which is which is where we we take the unused caps from the previous years and we apply it to this year. So we\n\nChannel 1: Mhmm.\n\nChannel 0: could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on. I know you're looking to retire soon ish, though.\n\nChannel 1: It's just it's just because we got things in New Zealand, so the business back there. So I don't think I'll be retiring in the sense of retiring, but\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Australian retiring.\n\nChannel 1: Yeah. Well, I think I'll have to still work in the mining industry for a couple of years, but yeah. I'm not gonna worry about it now, like I say, because we're obviously looking at purchasing a house as well.\n\nChannel 0: Yeah. Okay. No. That's okay. Cool.\n\nAlright. Well, let me have a look, and let me run some figures and and come back to you. Would, say, next week be okay?\n\nChannel 1: You wanna call me or you just wanna send me through the stuff? Because I'm flying to site tomorrow.\n\nChannel 0: Tomorrow? When are you back?\n\nChannel 1: I'm back when I finish night shift. Wednesday morning. So I'm back Wednesday week. So I'll probably be alright next Thursday sometimes, if that works for you.\n\nChannel 0: Thursday, twenty fourth?\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Done. Let's do that.\n\nChannel 1: What time?\n\nChannel 0: Do you wanna go, say, nice and early in the morning, 09:00?\n\nChannel 1: 09:00 should be fine, and then I'll I'll ask my wife to sit in with me because then you can explain everything to her as well because she wants\n\nChannel 0: Perfect.\n\nChannel 1: to do the same thing. I keep asking him to sign up with you guys, but he's hard edit. So\n\nChannel 0: No. That's okay. Alright. Let's do that.\n\nChannel 1: and she she uses me for the information.\n\nChannel 0: Yeah. That's what that's what we have husbands for. Well done.\n\nChannel 1: Yeah. Yeah. Yeah. Well, what I was gonna say, even though, you know, we obviously we wanna save more for the house. We obviously don't wanna, you know, put a thousand dollars because we both wanna do it.\n\nSo I think, I mean, I'd I'll have to speak to a better amount, obviously. But yeah. Let's say if we put each 500 in, would it be higher than 500 or that amount up to us?\n\nChannel 0: If you set a limit, I can keep to the limit, and I can just make it work tax effectively.\n\nChannel 1: Okay. Alright. And then we'll give a bigger tax back. We pay the same tax, but we get more tax back and are super gross. Okay.\n\nWell, that sounds that sounds like a win win to me, really.\n\nChannel 0: Cool. Alright. Let me run the figures, and I will show you where things fit. And we can next instead of be Thursday twenty fourth,\n\nChannel 1: Okay.\n\nChannel 0: we\n\nChannel 1: Yeah. Look, I\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: would say we probably we probably won't each go higher than than 500. I don't\n\nChannel 0: Yep.\n\nChannel 1: think it will below it'd be below 300. So I don't know if there's you know, I don't want you to go on 500 and then we say 400. So I don't know if there's sort of a thing you can say this is what 300, 400, or 500 gives you. Is that\n\nChannel 0: I\n\nChannel 1: too\n\nChannel 0: sure\n\nChannel 1: much\n\nChannel 0: can.\n\nChannel 1: benefit?\n\nChannel 0: Nope. I can do\n\nChannel 1: I don't think we'll go above that because, yeah, we we got about 2,600 additional savings now and out of the car's paid off. So\n\nChannel 0: that. Okay. And that's per fortnight. Right? Just to make sure I've got the pay cycle right.\n\nChannel 1: yeah. Yeah. Yeah. For Fortnite.\n\nChannel 0: Perfect. Okay. Easy. I will start working on it, and I'll talk to you next Thursday then.\n\nChannel 1: Alrighty. Thank you very much. I appreciate your help.\n\nChannel 0: No stress, Casa. Speak then.\n\nChannel 1: Yeah. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.01850995607674122},{"text":"I hung up on the sock hung up the sock and hung up on me at the same time by the looks of","start":3.6799998,"end":7.46,"sentiment":"neutral","sentiment_score":-0.13647751218598822}],"sentiment":"neutral","sentiment_score":-0.12407851472496986,"channel":0,"num_words":25,"start":2.8799999,"end":7.46},{"sentences":[{"text":"Must have put a push in my ear.","start":7.9199996,"end":9.92,"sentiment":"neutral","sentiment_score":-0.19725660607218742},{"text":"Sorry about","start":9.92,"end":10.48,"sentiment":"neutral","sentiment_score":-0.312185600399971}],"sentiment":"neutral","sentiment_score":-0.22024240493774414,"channel":1,"num_words":10,"start":7.9199996,"end":10.48},{"sentences":[{"text":"it.","start":10.4,"end":10.9,"sentiment":"neutral","sentiment_score":-0.2565801739692688}],"sentiment":"neutral","sentiment_score":-0.2565801739692688,"channel":0,"num_words":1,"start":10.4,"end":10.9},{"sentences":[{"text":"that.","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":-0.11778835952281952}],"sentiment":"neutral","sentiment_score":-0.11778835952281952,"channel":1,"num_words":1,"start":10.48,"end":10.98},{"sentences":[{"text":"No.","start":11.04,"end":11.36,"sentiment":"neutral","sentiment_score":-0.16983480751514435},{"text":"That's okay.","start":11.36,"end":12.0,"sentiment":"neutral","sentiment_score":-0.04545752704143524},{"text":"I'm not offended at all.","start":12.0,"end":13.38,"sentiment":"neutral","sentiment_score":-0.16584940403699874},{"text":"So before we jump into it for today, I do need a complete security with you if you're okay with that.","start":15.134999,"end":20.095,"sentiment":"neutral","sentiment_score":0.09042859432243165},{"text":"It's just your full name, date of birth, and address, and then we can have a bit of a conversation about things.","start":20.095,"end":24.515,"sentiment":"neutral","sentiment_score":0.14646519822153178}],"sentiment":"neutral","sentiment_score":0.07904388156591677,"channel":0,"num_words":51,"start":11.04,"end":24.515},{"sentences":[{"text":"Yeah.","start":24.945,"end":25.105,"sentiment":"neutral","sentiment_score":0.07060050964355469},{"text":"Caspige and Endrew Constantum.","start":25.105,"end":26.645,"sentiment":"neutral","sentiment_score":0.0476562175899744},{"text":"It's the 05/22/1970 '7, and it should be 34 Nursery Place in Richlands.","start":26.865,"end":33.97,"sentiment":"neutral","sentiment_score":0.02492375012773734},{"text":"I was gonna say WA.","start":34.75,"end":36.05,"sentiment":"neutral","sentiment_score":-0.005371933616697788},{"text":"Sorry.","start":36.11,"end":36.61,"sentiment":"neutral","sentiment_score":0.000031968578696250916}],"sentiment":"neutral","sentiment_score":0.023266934673301876,"channel":1,"num_words":24,"start":24.945,"end":36.61},{"sentences":[{"text":"Richland, Port Gerald, 4 077.","start":36.67,"end":40.53,"sentiment":"neutral","sentiment_score":0.02270240765064955}],"sentiment":"neutral","sentiment_score":0.02270240765064955,"channel":1,"num_words":5,"start":36.67,"end":40.53},{"sentences":[{"text":"Perfect.","start":41.425,"end":41.825,"sentiment":"positive","sentiment_score":0.6628381013870239},{"text":"Thanks for that, Gaspar.","start":41.825,"end":43.045,"sentiment":"positive","sentiment_score":0.7396654188632965},{"text":"Okay.","start":43.265,"end":43.765,"sentiment":"neutral","sentiment_score":0.3288145661354065},{"text":"So you spoke with Caden at the end of last week just with regards to, like, your contribution form and then wanting to look at maybe making some personal contributions.","start":43.825,"end":55.62,"sentiment":"neutral","sentiment_score":0.1446807416776816}],"sentiment":"neutral","sentiment_score":0.23029823870294625,"channel":0,"num_words":36,"start":41.425,"end":55.62},{"sentences":[{"text":"Yes.","start":57.14,"end":57.64,"sentiment":"neutral","sentiment_score":0.11649015545845032}],"sentiment":"neutral","sentiment_score":0.11649015545845032,"channel":1,"num_words":1,"start":57.14,"end":57.64},{"sentences":[{"text":"So run me through it.","start":57.84,"end":59.36,"sentiment":"neutral","sentiment_score":0.09981718212366104},{"text":"Are we are we sort of looking at, like, tax tax deductible contributions?","start":59.36,"end":65.14,"sentiment":"neutral","sentiment_score":0.06818153365300252},{"text":"We're just looking at avenues to be able to boost our super.","start":65.2,"end":68.365,"sentiment":"neutral","sentiment_score":0.21224483102560043},{"text":"I guess, what what's the driving factor behind wanting to to undertake this?","start":68.585,"end":72.285,"sentiment":"neutral","sentiment_score":0.050711673039656416}],"sentiment":"neutral","sentiment_score":0.10678222255651341,"channel":0,"num_words":43,"start":57.84,"end":72.285},{"sentences":[{"text":"Tax 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much can you put in?","start":78.995,"end":80.355,"sentiment":"neutral","sentiment_score":0.10123509913682938},{"text":"How much we how much can you put in annually?","start":80.355,"end":83.11,"sentiment":"neutral","sentiment_score":0.07492614835500717},{"text":"And how do we go about it?","start":83.97,"end":86.31,"sentiment":"neutral","sentiment_score":0.047591780445405414}],"sentiment":"neutral","sentiment_score":0.07347019745603851,"channel":1,"num_words":23,"start":78.995,"end":86.31},{"sentences":[{"text":"Alright.","start":88.02,"end":88.52,"sentiment":"neutral","sentiment_score":0.10008244216442108},{"text":"So you can In this financial year, you can put in 32,500 of what's called concessional contributions.","start":88.979996,"end":102.865,"sentiment":"neutral","sentiment_score":0.1071567820275531},{"text":"So what that is is that funds put into your into your funds taken out of your gross income, so before you pay tax, and paid into your superannuation fund, what that does is that reduces your gross income, which means it reduces your marginal tax and enables you to build your funds in your superannuation while reducing your tax personally.","start":102.924995,"end":127.515,"sentiment":"neutral","sentiment_score":0.19338288390245595},{"text":"Now I know that Dana spoke to you in June","start":128.05501,"end":140.9,"sentiment":"neutral","sentiment_score":0.04721946492791176}],"sentiment":"neutral","sentiment_score":0.15944155397709836,"channel":0,"num_words":89,"start":88.02,"end":140.9},{"sentences":[{"text":"Yes.","start":142.13,"end":142.63,"sentiment":"neutral","sentiment_score":0.06034228578209877}],"sentiment":"neutral","sentiment_score":0.06034228578209877,"channel":1,"num_words":1,"start":142.13,"end":142.63},{"sentences":[{"text":"when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super","start":142.16,"end":152.995,"sentiment":"neutral","sentiment_score":0.062420788006140634}],"sentiment":"neutral","sentiment_score":0.062420788006140634,"channel":0,"num_words":26,"start":142.16,"end":152.995},{"sentences":[{"text":"Yeah.","start":153.745,"end":154.245,"sentiment":"neutral","sentiment_score":0.057237692177295685}],"sentiment":"neutral","sentiment_score":0.057237692177295685,"channel":1,"num_words":1,"start":153.745,"end":154.245},{"sentences":[{"text":"and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up.","start":154.175,"end":166.06999,"sentiment":"neutral","sentiment_score":0.014180388050153852},{"text":"So, ultimately speaking, I guess it comes down to a couple of 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we get paid weekly.","start":229.23,"end":230.67,"sentiment":"neutral","sentiment_score":0.2677490025758743},{"text":"So we get doing seven days on, seven days off.","start":230.67,"end":233.65,"sentiment":"neutral","sentiment_score":0.2963421821594238}],"sentiment":"neutral","sentiment_score":0.11780538590204331,"channel":1,"num_words":62,"start":211.415,"end":233.65},{"sentences":[{"text":"So we get paid for five days and then put a one week and then we get paid for two days.","start":234.11499,"end":240.675,"sentiment":"neutral","sentiment_score":0.19970041868232546},{"text":"But we are gonna do overtime as well, but I can't include that there because it's not set in stone, obviously.","start":240.675,"end":245.815,"sentiment":"neutral","sentiment_score":-0.14996132609390078},{"text":"So I wanna know how much I can put in as much as I possibly get, pardon me, as as I can to pay less tax because being in the mining industry, obviously, we keep tax quite 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it.","start":303.80502,"end":308.66,"sentiment":"neutral","sentiment_score":0.031615209869212575},{"text":"I'm trying to find something I took a picture of yesterday.","start":326.095,"end":328.915,"sentiment":"neutral","sentiment_score":0.019772777841849762},{"text":"The eighties.","start":331.21503,"end":331.86,"sentiment":"neutral","sentiment_score":0.032186225056648254},{"text":"So so I can tell you this from the picture.","start":333.78,"end":340.09998,"sentiment":"neutral","sentiment_score":0.05118303894996643}],"sentiment":"neutral","sentiment_score":0.03505500960385516,"channel":1,"num_words":42,"start":299.64502,"end":340.09998},{"sentences":[{"text":"Your base rate of pay is $34.37.","start":340.09998,"end":343.24,"sentiment":"neutral","sentiment_score":0.02421858880136694},{"text":"Then I get my casual loading, which is 25%, then all purpose loading of $24, and then flexible rewards in 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personally,","start":832.68,"end":834.38,"sentiment":"neutral","sentiment_score":0.2229626476764679}],"sentiment":"neutral","sentiment_score":0.1591752657497471,"channel":0,"num_words":22,"start":828.265,"end":834.38},{"sentences":[{"text":"Yes.","start":834.1575,"end":834.6575,"sentiment":"positive","sentiment_score":0.4970982074737549}],"sentiment":"positive","sentiment_score":0.4970982074737549,"channel":1,"num_words":1,"start":834.1575,"end":834.6575},{"sentences":[{"text":"and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred","start":835.16,"end":844.455,"sentiment":"positive","sentiment_score":0.4043786636283321}],"sentiment":"positive","sentiment_score":0.4043786636283321,"channel":0,"num_words":31,"start":835.16,"end":844.455},{"sentences":[{"text":"So and then, like, obviously, my super will grow and I get more money back in my tax 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we","start":1015.35504,"end":1016.075,"sentiment":"neutral","sentiment_score":0.21752136945724487}],"sentiment":"neutral","sentiment_score":0.12428173829996308,"channel":0,"num_words":43,"start":998.77,"end":1016.075},{"sentences":[{"text":"Mhmm.","start":1015.94,"end":1016.44,"sentiment":"neutral","sentiment_score":0.19011887907981873}],"sentiment":"neutral","sentiment_score":0.19011887907981873,"channel":1,"num_words":1,"start":1015.94,"end":1016.44},{"sentences":[{"text":"could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on.","start":1016.075,"end":1027.75,"sentiment":"neutral","sentiment_score":0.20286034330211836},{"text":"I know you're looking to retire soon ish, 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morning.","start":1087.095,"end":1087.975,"sentiment":"neutral","sentiment_score":0.07172387093305588},{"text":"So I'm back Wednesday week.","start":1087.975,"end":1091.16,"sentiment":"neutral","sentiment_score":0.1311275154352188},{"text":"So I'll probably be alright next Thursday sometimes, if that works for you.","start":1091.56,"end":1096.38,"sentiment":"neutral","sentiment_score":0.20600353410610786}],"sentiment":"neutral","sentiment_score":0.13766364932612138,"channel":1,"num_words":27,"start":1082.695,"end":1096.38},{"sentences":[{"text":"Thursday, twenty 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it.","start":1145.725,"end":1150.4299,"sentiment":"neutral","sentiment_score":-0.08539794059470296}],"sentiment":"neutral","sentiment_score":-0.024900880397150393,"channel":1,"num_words":38,"start":1135.725,"end":1150.4299},{"sentences":[{"text":"So I think, I mean, I'd I'll have to speak to a better amount, obviously.","start":1150.4299,"end":1154.29,"sentiment":"neutral","sentiment_score":-0.04926282639304797},{"text":"But yeah.","start":1154.99,"end":1156.05,"sentiment":"neutral","sentiment_score":-0.02373102307319641},{"text":"Let's say if we put each 500 in, would it be higher than 500 or that amount up to us?","start":1156.27,"end":1162.665,"sentiment":"neutral","sentiment_score":-0.007125854957848787}],"sentiment":"neutral","sentiment_score":-0.025105987599975354,"channel":1,"num_words":37,"start":1150.4299,"end":1162.665},{"sentences":[{"text":"If you set a limit, I can keep to the limit, and I can just make it work tax 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gross.","start":1174.985,"end":1178.64,"sentiment":"neutral","sentiment_score":0.12207878530025482},{"text":"Okay.","start":1178.88,"end":1179.12,"sentiment":"positive","sentiment_score":0.3580288887023926}],"sentiment":"neutral","sentiment_score":0.1303729243003405,"channel":1,"num_words":26,"start":1170.265,"end":1179.12},{"sentences":[{"text":"Well, that sounds that sounds like a win win to me, really.","start":1179.12,"end":1182.58,"sentiment":"positive","sentiment_score":0.6452064861853918}],"sentiment":"positive","sentiment_score":0.6452064861853918,"channel":1,"num_words":12,"start":1179.12,"end":1182.58},{"sentences":[{"text":"Cool.","start":1183.715,"end":1184.195,"sentiment":"positive","sentiment_score":0.4863691329956054},{"text":"Alright.","start":1184.195,"end":1184.695,"sentiment":"neutral","sentiment_score":0.2866441011428833},{"text":"Let me run the figures, and I will show you where things 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Fortnite.","start":1238.8,"end":1239.54,"sentiment":"neutral","sentiment_score":0.23423536866903305}],"sentiment":"neutral","sentiment_score":0.1819940447807312,"channel":1,"num_words":5,"start":1237.68,"end":1239.54},{"sentences":[{"text":"Perfect.","start":1239.11,"end":1239.61,"sentiment":"positive","sentiment_score":0.6859915256500244},{"text":"Okay.","start":1241.6699,"end":1242.1699,"sentiment":"positive","sentiment_score":0.490045964717865},{"text":"Easy.","start":1242.3099,"end":1242.71,"sentiment":"positive","sentiment_score":0.5919153094291687},{"text":"I will start working on it, and I'll talk to you next Thursday then.","start":1242.71,"end":1246.8099,"sentiment":"positive","sentiment_score":0.3441541961261204}],"sentiment":"positive","sentiment_score":0.38741832620957317,"channel":0,"num_words":17,"start":1239.11,"end":1246.8099},{"sentences":[{"text":"Alrighty.","start":1247.225,"end":1247.625,"sentiment":"positive","sentiment_score":0.5395016670227051},{"text":"Thank you very much.","start":1247.625,"end":1248.505,"sentiment":"positive","sentiment_score":0.8486184179782867},{"text":"I appreciate your help.","start":1248.505,"end":1249.805,"sentiment":"positive","sentiment_score":0.8059400171041489}],"sentiment":"positive","sentiment_score":0.7953039341502719,"channel":1,"num_words":9,"start":1247.225,"end":1249.805},{"sentences":[{"text":"No stress, Casa.","start":1250.07,"end":1251.11,"sentiment":"positive","sentiment_score":0.3582305709520976},{"text":"Speak then.","start":1251.11,"end":1251.6268,"sentiment":"neutral","sentiment_score":0.2771640866994858}],"sentiment":"neutral","sentiment_score":0.32580397725105287,"channel":0,"num_words":5,"start":1250.07,"end":1251.6268},{"sentences":[{"text":"Yeah.","start":1252.585,"end":1253.0651,"sentiment":"neutral","sentiment_score":0.24636459350585935},{"text":"Bye.","start":1253.0651,"end":1253.5651,"sentiment":"neutral","sentiment_score":0.22141747176647184}],"sentiment":"neutral","sentiment_score":0.2338910326361656,"channel":1,"num_words":2,"start":1252.585,"end":1253.5651},{"sentences":[{"text":"Bye.","start":1254.0269,"end":1254.5269,"sentiment":"neutral","sentiment_score":-0.11933763325214386}],"sentiment":"neutral","sentiment_score":-0.11933763325214386,"channel":0,"num_words":1,"start":1254.0269,"end":1254.5269}]},"summary":{"result":"success","short":"The speakers discuss personal contributions and financial goals with Casper, including tax reduction, retirement age, and funding for the super. They also discuss retirement savings and how to split the $10 into fortnightly contributions. The agent explains their income and pay, and how they can contribute to retirement savings. They also discuss benefits of contributing to the super fund, including tax savings and reduction in overtime pay, and suggest using their current salary to contribute to retirement savings and setting a limit for retirement. They agree to speak again next Thursday to confirm details."},"intents":{"segments":[{"text":"Are we are we sort of looking at, like, tax tax deductible contributions? We're just looking at avenues to be able to boost our super. I guess, what what's the driving factor behind wanting to to undertake this? Tax reduction. Yeah. Okay.","start_word":159,"end_word":200,"intents":[{"intent":"Reducing tax deductible contributions","confidence_score":0.0018447323}]},{"text":"We're just looking at avenues to be able to boost our super. I guess, what what's the driving factor behind wanting to to undertake this? Tax reduction. Yeah. Okay.","start_word":172,"end_word":200,"intents":[{"intent":"Maximizing super fund contributions","confidence_score":0.018294305}]},{"text":"when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super Yeah. and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up.","start_word":317,"end_word":368,"intents":[{"intent":"Discussing future plans","confidence_score":0.031983115}]},{"text":"Now if we were to that's without any deductions or anything like that.","start_word":1074,"end_word":1086,"intents":[{"intent":"Calculate deductions","confidence_score":0.1500194}]},{"text":"You're you're still in the 37% tax bracket. Yeah.","start_word":1142,"end_word":1150,"intents":[{"intent":"Calculate tax bracket","confidence_score":0.034792636}]},{"text":"So what we could do is instead of you having a tax savings throughout the year, if you pop money in and say we, you know, Mhmm. say we pop in, say, $300. I'm just spitballing here. I'm not recommending. But say we put in $300, we put that in over over each fortnight, that ends up being 7,800.","start_word":1660,"end_word":1718,"intents":[{"intent":"Calculate tax savings","confidence_score":0.02413886}]},{"text":"and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred So and then, like, obviously, my super will grow and I get more money back in my tax return. bracket. Yeah. Yeah.","start_word":1854,"end_word":1906,"intents":[{"intent":"Submit claim","confidence_score":0.55183417}]},{"text":"And your tax return will look healthier rather than you paying less tax throughout the year. Yeah.","start_word":1907,"end_word":1923,"intents":[{"intent":"Determine tax return value","confidence_score":0.08042862}]},{"text":"Can you tell me what sort of figure you would I be looking at for that amount, say, $300 over twelve months or $26.26 place within how much tax I will be entitled to give back within is that something you're able to work out? Just out of curiosity. Yeah.","start_word":1940,"end_word":1989,"intents":[{"intent":"Discuss contribution size","confidence_score":0.0031196175}]},{"text":"It's about $3 in tax savings.","start_word":1998,"end_word":2003,"intents":[{"intent":"Evaluate tax savings","confidence_score":0.004709817}]},{"text":"I'll I'll actually sit down and I'll run it properly, and I'll have a look at based on how much we put into your fund, how like, what it what is it gonna do to the growth of the fund.","start_word":2167,"end_word":2206,"intents":[{"intent":"Discuss fund growth","confidence_score":0.22551492}]},{"text":"us trying to maximize and and put all the money in that we could.","start_word":2243,"end_word":2256,"intents":[{"intent":"Maximize savings","confidence_score":0.0705733}]},{"text":"could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on.","start_word":2375,"end_word":2403,"intents":[{"intent":"Use unused contributions","confidence_score":0.13279039}]},{"text":"I know you're looking to retire soon ish, though. It's just it's just because we got things in New Zealand, so the business back there. So I don't think I'll be retiring in the sense of retiring, but Yeah.","start_word":2404,"end_word":2442,"intents":[{"intent":"Retire quickly","confidence_score":0.002789135}]},{"text":"You wanna call me or you just wanna send me through the stuff? Because I'm flying to site tomorrow. Tomorrow?","start_word":2517,"end_word":2536,"intents":[{"intent":"Schedule call or email","confidence_score":0.036246512}]},{"text":"Just to make sure I've got the pay cycle right.","start_word":2944,"end_word":2953,"intents":[{"intent":"Verify pay cycle","confidence_score":0.0011618402}]}]},"sentiments":{"segments":[{"text":"Hi, Casper. I hung up on the sock hung up the sock and hung up on me at the same time by the looks of Must have put a push in my ear. Sorry about it. that. No. That's okay. I'm not offended at all. So before we jump into it for today, I do need a complete security with you if you're okay with that. It's just your full name, date of birth, and address, and then we can have a bit of a conversation about things. Yeah. Caspige and Endrew Constantum. It's the 05/22/1970 '7, and it should be 34 Nursery Place in Richlands. I was gonna say WA. Sorry. Richland, Port Gerald, 4 077.","start_word":0,"end_word":116,"sentiment":"neutral","sentiment_score":-0.007085403893142939},{"text":"Perfect. Thanks for that, Gaspar.","start_word":117,"end_word":121,"sentiment":"positive","sentiment_score":0.7133529782295227},{"text":"Okay. So you spoke with Caden at the end of last week just with regards to, like, your contribution form and then wanting to look at maybe making some personal contributions. Yes. So run me through it. Are we are we sort of looking at, like, tax tax deductible contributions? We're just looking at avenues to be able to boost our super. I guess, what what's the driving factor behind wanting to to undertake this? Tax reduction. Yeah. Okay. Perfect. So Alright. how much can you put in? How much we how much can you put in annually? And how do we go about it? Alright. So you can In this financial year, you can put in 32,500 of what's called concessional contributions. So what that is is that funds put into your into your funds taken out of your gross income, so before you pay tax, and paid into your superannuation fund, what that does is that reduces your gross income, which means it reduces your marginal tax and enables you to build your funds in your superannuation while reducing your tax personally. Now I know that Dana spoke to you in June Yes. when she went through a statement of advice, and she did did talk to you about that at that time about possibly considering contributions into super Yeah. and strategies around building and the possibility of maybe considering working longer if if we, you know, we couldn't build the the super fund up. So, ultimately speaking, I guess it comes down to a couple of questions. Mhmm. Yep. Whether your goal to for your retirement age has changed, And then Mhmm. outside of that, whether you how much money you have in excess of your your your needs to be able to to direct towards your superannuation fund. Okay. Well, that would be $1,032,000. It's probably a lot of my salary. However, Yeah. how much because we just started a new job in in Queensland. Yes. We our salary is in the same, but it's contract and not full time yet. But it's not gonna much change much either way. But I wanna put as much as I possibly can can into tax, but we get a cost to go for work back. So we get paid weekly. So we get doing seven days on, seven days off. So we get paid for five days and then put a one week and then we get paid for two days. But we are gonna do overtime as well, but I can't include that there because it's not set in stone, obviously. So I wanna know how much I can put in as much as I possibly get, pardon me, as as I can to pay less tax because being in the mining industry, obviously, we keep tax quite high. Yes. Yeah. Now So question. that Is is yep. your is your new is your income still sitting at that 180,000? Yep. Yeah? Cool. And that's your base salary without overtime? Look. If you give me a second, I can just put you on speaker. No. You're okay. Because because our previous job, our base salary was $1.66, but we get was hot seat allowance, all those things as part of the the the the the not the base, but additions on top where you always get it. If you know what I mean? Yep. Just gonna see I took a picture of that yesterday. Let me just find it where I've done it. I'm trying to find something I took a picture of yesterday. The eighties. So so I can tell you this from the picture. Your base rate of pay is $34.37. Then I get my casual loading, which is 25%, then all purpose loading of $24, and then flexible rewards in $10. So my hourly rate is $78.48. So how do I tell you how much I'm a year? How many how many seven days is there? Weeks or weeks obviously in the year. Let me let me just see if I can work that out. Okay. No. You're okay. That's a 192. Okay. 182. Perfect. And you get paid super on all of that? Okay. Okay. And your contract is just a standard 12% super contributions? Yeah. Fuzz them away. Okay.","start_word":122,"end_word":838,"sentiment":"neutral","sentiment_score":0.06887648402189776},{"text":"Perfect.","start_word":839,"end_word":839,"sentiment":"positive","sentiment_score":0.3846139907836914},{"text":"Alright. So your employer already pays $21,840 on your behalf based on your income, which means that as a gap, you could essentially put in additional $10. Oh, that's nothing. Oh, well, it's not nothing, but yeah. So can I split that $10 into fortnightly contributions? Or Yes. it'd be We every definitely paycheck? could. No. No. No. Yeah. Yeah. So it would be fortnightly contributions out of your paychecks. So say you'd sort of be able to do, like, 380 Yeah. Yeah. If I can do that on my, you know, my bigger week pay, then when I get my small one, let's you five. know, that because that's my additional savings is my small one. So It 300 it would what did you say? 300 and what? it'd be, like, $385 to use that $10 amount Yes. that you have sitting there. Okay. And how much will that reduce my tax by? You're asking all the hard hitting questions, aren't you? My wife wants us to do this, so I need to have to write in for otherwise, she'll ask No. me You're to so call fine. me again. No. I am just kidding. You are absolutely okay. Alright. So on your current income for this for this tax year, a $182,000, you currently it means what you earn net is about $129,950. Okay. Now that means that you pay $52,050. Okay. Now if we were to that's without any deductions or anything like that. That's just based based on your base salary Yep. going through. Now if you were to do $385 per fortnight, Yep. what that would do was that would reduce It reduces your tax by just size four brand. For how much? $4,000. 4,000. And I will still be in the high-tech spectrum, won't I? Regardless. You're you're still in the 37% tax bracket. Yeah. So you're not quite on your on your 182,000 a year, you're not quite pushing into the highest tax bracket. You're sitting you're sitting just within that second to highest bracket because the brackets are basically 0 to 18,000 is no tax. 18 to 45 is your 16%. 45 to one thirty five is your 30%. One thirty five to one ninety is which is where you fall is that 37% tax bracket. And then one ninety plus is, yeah, 45. Okay. Now can I ask, even though I'm currently in the second one, if I do overtime and I go over the one ninety, then I'm on the 45? Yeah. If you do overtime push if you earn $8 more in the year, what that means is that you push into the highest tax bracket. All that means is that any dollar Ain't that you earn over a $190,000 is taxed at 45%. It's not Only every after single one 90. Yeah. only Okay. after one ninety. It's it's it's tiered. So it's so the first $18,000 you earn in the year, it's you pay nothing. So the money between 18,000 and 45, it's a six. It's it's each bracket you get charged at each individual amount. But because you're a salaried employee, they average that out over the year. So that way, it's not like, you know, the first the first pay that you get in in the year, you pay no tax on, and then the second, you know, pay, you pay heaps of tax on. It's they average it out based on if you were to continue earning this amount of money each pay cycle throughout the year, you would earn this much, which breaks down to this much tax. So it it just it it Would I brackets it for you.","start_word":840,"end_word":1456,"sentiment":"neutral","sentiment_score":0.02246393493227238},{"text":"would I benefit from I mean, I know, obviously, putting more money in my super will benefit my super.","start_word":1457,"end_word":1475,"sentiment":"positive","sentiment_score":0.4181090295314789},{"text":"But will it benefit me tax wise even if I do overtime? Because we get we get about a $106 an hour for overtime, and we are planning to do four four months.","start_word":1476,"end_word":1508,"sentiment":"neutral","sentiment_score":0.1647527664899826},{"text":"I think the biggest issue is is that if you end up contributing over in your super for the year, you may end up with a with a a higher tax payable.","start_word":1509,"end_word":1540,"sentiment":"negative","sentiment_score":-0.4487304091453552},{"text":"So you know how I said that you can only contribute up to 32,500 under that tax savings concessional contribution bracket?","start_word":1541,"end_word":1561,"sentiment":"neutral","sentiment_score":-0.2090812623500824},{"text":"If you end up doing overtime and you push yourself above that bracket, you could end up paying more than 32,500 into your super, which is going to trigger something called the Vision two nine three tax, which means that your super fund doesn't your super fund will pay 47 forty forty seven 45% tax. And it may end up being that you paid more tax.","start_word":1562,"end_word":1627,"sentiment":"negative","sentiment_score":-0.5004979372024536},{"text":"So it comes into question now that, I guess, based on the fact that you could do overtime, there's a couple of avenues that we could look at contributing this money in. So what we could do is instead of you having a tax savings throughout the year, if you pop money in and say we, you know, Mhmm. say we pop in, say, $300.","start_word":1628,"end_word":1692,"sentiment":"neutral","sentiment_score":-0.11351826041936874},{"text":"I'm just spitballing here. I'm not recommending.","start_word":1693,"end_word":1699,"sentiment":"negative","sentiment_score":-0.3888624608516693},{"text":"But say we put in $300, we put that in over over each fortnight, that ends up being 7,800. At the end of the financial year, what we can do is we can have a look at your account to see how much you've contributed throughout the year, Mhmm. and then we can then submit a claim for the 8. money you've put in, and we can convert that into what's called concessional contributions.","start_word":1700,"end_word":1773,"sentiment":"neutral","sentiment_score":0.09692167490720748},{"text":"You take the receipt, and you're able to then claim it with your accountant when you do your tax return and then get a bit of a a tax boost to your tax return.","start_word":1774,"end_word":1807,"sentiment":"positive","sentiment_score":0.3530674874782562},{"text":"So rather than having rather than paying less tax throughout the year, you keep paying your higher like, your higher rate. It's Yes. the same rate, really, but you keep paying your your your tax rate throughout the year. You pop the money in personally, Yes.","start_word":1808,"end_word":1853,"sentiment":"neutral","sentiment_score":0.12274071396045062},{"text":"and then we can we can submit a claim at the end of the financial year to be able to make sure we stick within that thirty two thousand five hundred So and then, like, obviously, my super will grow and I get more money back in my tax return.","start_word":1854,"end_word":1903,"sentiment":"positive","sentiment_score":0.4938305616378784},{"text":"bracket.","start_word":1904,"end_word":1904,"sentiment":"neutral","sentiment_score":0.28220704197883606},{"text":"Yeah. Yeah. And your tax return will look healthier rather than you paying less tax throughout the year. Yeah. Because I get an untax threshold as well.","start_word":1905,"end_word":1931,"sentiment":"positive","sentiment_score":0.5487561225891113},{"text":"Yes.","start_word":1932,"end_word":1932,"sentiment":"neutral","sentiment_score":0.2737603783607483},{"text":"Yes. That'll be even more.","start_word":1933,"end_word":1937,"sentiment":"positive","sentiment_score":0.4161396324634552},{"text":"Mhmm. Mhmm. Can you tell me what sort of figure you would I be looking at for that amount, say, $300 over twelve months or $26.26 place within how much tax I will be entitled to give back within is that something you're able to work out? Just out of curiosity. Yeah. No. I can I can look at it? It's about $3 in tax savings. Oh, that's So well. about I $33 back. yeah. Because I got a 11.5. That's I'm always looking at 15,000. That sounds like the better avenue to me the way you're explaining it. Yeah. So what I can do is I can can actually sit down and and run the figures properly rather than just having a off the cuff conversation. Get an actual plan put together as to how we look at contributing these funds and go from this there and then document it all so that way you have a guide to follow and look back on and something to show the wife. So that way she's she's Yes. not trying to I go off I your memory. yeah. I think we're right to go down this that avenue you just said. Now Yep. is 300 a maximum you would recommend, or would you have a actual figure like that 385? Is that gonna be better, or what is the minimum? I'll I'll actually sit down and I'll run it properly, and I'll have a look at based on how much we put into your fund, how like, what it what is it gonna do to the growth of the fund. I can stress test it Mhmm. a little bit and go from there rather than me just kind of off the cuff on the phone plucking figures. Because the $3.85 was just based on Okay. us trying to maximize and and put all the money in that we could. Theoretically speaking, we could look at we could look at putting in a lot more. It just it depends on how much you're willing to lose out of your income. Like, how much Okay. can you do without each fortnight? Oh. Oh. Just play my car while I watch the house. So yeah. We we've got a couple of thousand we can play with. A fortnight? Yeah. K. Because we could put more in Mhmm. because I'm just I'm actually just thinking because your balance we could actually do what's called carry forward contributions, which is which is where we we take the unused caps from the previous years and we apply it to this year. So we Mhmm. could utilize some of the unused contribution amounts from the previous few years, and we could try and utilize them this like, this year, next year, and so on. I know you're looking to retire soon ish, though. It's just it's just because we got things in New Zealand, so the business back there. So I don't think I'll be retiring in the sense of retiring, but Yeah. yeah. Australian retiring. Yeah. Well, I think I'll have to still work in the mining industry for a couple of years, but yeah. I'm not gonna worry about it now, like I say, because we're obviously looking at purchasing a house as well. Yeah. Okay. No. That's okay.","start_word":1938,"end_word":2490,"sentiment":"neutral","sentiment_score":0.10191520078488328},{"text":"Cool. Alright.","start_word":2491,"end_word":2492,"sentiment":"positive","sentiment_score":0.378045916557312},{"text":"Well, let me have a look, and let me run some figures and and come back to you. Would, say, next week be okay? You wanna call me or you just wanna send me through the stuff? Because I'm flying to site tomorrow. Tomorrow? When are you back? I'm back when I finish night shift. Wednesday morning. So I'm back Wednesday week. So I'll probably be alright next Thursday sometimes, if that works for you. Thursday, twenty fourth? Yeah. Alright. Done. Let's do that. What time? Do you wanna go, say, nice and early in the morning, 09:00? 09:00 should be fine, and then I'll I'll ask my wife to sit in with me because then you can explain everything to her as well because she wants Perfect. to do the same thing. I keep asking him to sign up with you guys, but he's hard edit. So No. That's okay. Alright. Let's do that. and she she uses me for the information. Yeah. That's what that's what we have husbands for.","start_word":2493,"end_word":2664,"sentiment":"neutral","sentiment_score":0.12221725596938024},{"text":"Well done.","start_word":2665,"end_word":2666,"sentiment":"positive","sentiment_score":0.3703846931457519},{"text":"Yeah. Yeah. Yeah. Well, what I was gonna say, even though, you know, we obviously we wanna save more for the house. We obviously don't wanna, you know, put a thousand dollars because we both wanna do it. So I think, I mean, I'd I'll have to speak to a better amount, obviously. But yeah. Let's say if we put each 500 in, would it be higher than 500 or that amount up to us? If you set a limit, I can keep to the limit, and I can just make it work tax effectively. Okay. Alright. And then we'll give a bigger tax back. We pay the same tax, but we get more tax back and are super gross.","start_word":2667,"end_word":2786,"sentiment":"neutral","sentiment_score":0.014974488876760006},{"text":"Okay. Well, that sounds that sounds like a win win to me, really. Cool.","start_word":2787,"end_word":2800,"sentiment":"positive","sentiment_score":0.5910192728042603},{"text":"Alright. Let me run the figures, and I will show you where things fit. And we can next instead of be Thursday twenty fourth, Okay. we Yeah. Look, I we I can would say we probably we probably won't each go higher than than 500. I don't Yep. think it will below it'd be below 300. So I don't know if there's you know, I don't want you to go on 500 and then we say 400. So I don't know if there's sort of a thing you can say this is what 300, 400, or 500 gives you. Is that I too sure much can. benefit? Nope. I can do I don't think we'll go above that because, yeah, we we got about 2,600 additional savings now and out of the car's paid off. So that. Okay. And that's per fortnight. Right? Just to make sure I've got the pay cycle right. yeah. Yeah. Yeah. For Fortnite.","start_word":2801,"end_word":2958,"sentiment":"neutral","sentiment_score":-0.01777736533763288},{"text":"Perfect. Okay. Easy. I will start working on it, and I'll talk to you next Thursday then. Alrighty. Thank you very much. I appreciate your help. No stress, Casa.","start_word":2959,"end_word":2987,"sentiment":"positive","sentiment_score":0.5065754055976868},{"text":"Speak then. Yeah. Bye. Bye.","start_word":2988,"end_word":2992,"sentiment":"neutral","sentiment_score":0.23287510871887207}],"average":{"sentiment":"neutral","sentiment_score":0.06269749829913772}}}}