{"metadata":{"transaction_key":"deprecated","request_id":"019f1c80-27a7-78e3-b735-7738904462cc","sha256":"2eeb6327572e00e6903cd4a7a765c5c5890473146cf8c65add7a94ac11ad6676","created":"2026-07-01T07:06:31.111Z","duration":2008.2959,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":7816,"output_tokens":123},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8670,"output_tokens":8686},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8670,"output_tokens":1454}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Sarah. It's Dana from OKIE Financial. How are you this afternoon? I'm very well. Thank you. I had you booked in for a bit of a catch up this afternoon looking at getting some updated advice. Is now still a good time there for you? Yeah. Fantastic. How's your day been so far? Yeah. Really good. Really busy, but that's okay. We love it. No. All good. Before we jump into the call there, Sarah, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Fantastic. And just to do security there with you as well, we are discussing your personal information. So just need to confirm your full name, your address, and date of birth I should have on file for you. Yeah. Perfect. Thank you so much for that. So, Sarah, in your email and with your chat with Jack there, you kind of mentioned that you're wanting to look at getting your Tom scenario and finding your way forward and looking at advice. You're sort of looking to be financially free in the next ten years. Is that right? Yep. Yeah. Absolutely. Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals? What is sort of your goal with that? Okay. Yep. Okay. Yep. Okay. Yep. Yeah. That's okay. Not a problem at all. So because you are looking to purchase a new investment property, your when's that kind of all happening and going through? Mhmm. Mhmm. Yeah. Yeah. Okay. Okay. No worries at all. And so with the the cash flow and budgeting side of things, you're are you sort of wanting us to sort of give you an idea of how to pay down your current investment property? Are you wanting to incorporate the new property as well and maybe reducing that loan over the next sort of five to ten years, or what just to kinda break down what you're after? Yep. Yep. Okay. No worries at all. So, realistically, in order to kinda provide that kind of advice, we do need to understand a lot about the loan. And so if we're incorporating that new investment property, we'll need to make sure that you have that property first, understand the loan that you do have, what the repayments are. Yeah. So that realistically, the advice you're after, I would have to probably just put off for a little while until you've got that property in place and that you've kind of got, you know, those loans all set up and ready to go with your repayment schedules and have a look then at, you know, what you're repaying, how you can best structure it. You know, if you're repaying more, what does that look like over the next sort of five to ten years? Does that make sense? Yeah. It's more just if we look at doing that now, we're not really looking at exactly what the interest rates are, what the loan looks like, or anything down the track. It's sort of just an estimated, you know, an estimated valuation, estimated look at the loan and how that might look. Whereas between now and then interest rates could definitely change. Everything could sort of change. And if you decide not to take that property and you pull out, that could definitely change the plan there as well. So I do try to sort of work on and make sure I am working on essentially accurate information. And if we look at doing that now and we sort of go, well, in the next year, in September, you're expecting to have this loan with this interest rate, and you do this. You'll put yourself in this position over the next five to ten years. When we get to that point, the plan could change, and we would have to update the advice and re sort of change it all based on your circumstances then. So I would be looking to incorporate everything together if that's okay with you. Yeah. Yeah. That's okay. Okay. Because I definitely have the Queensland one noted down here, but I don't have the one in Victoria. So, yeah, that's okay. The investment property in Victoria. And is that the one that you're looking to sell? Which one are you selling? Okay. That's probably why I don't have it noted down here. That's okay. Easy. And that's in Yanni's name. Beautiful. Lovely. Yeah. That's the Queensland one. Yeah. Yep. And the the PPI, yes, the main primary residence there. That was the one we had valued at 750,000 there. And you had last time a loan of about 417,000 owing, and that you did have some offset in there as well. Yes. Beautiful. All good. How much are you sort of expecting to sell this property in Victoria for when it does sell? Okay. Yep. Beautiful. So 700 to $7.20. Well, hopefully, you get on the higher end of that. That'd be fantastic. And do you have a loan on that one still at the moment? Yep. Yep. Beautiful. Fantastic. Excellent. And so have you found a property? I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house. What's kind of the the house that you're looking to build? What's the sort of the outcome look like? Yeah. Yep. Yeah. Yeah. Okay. And do you have sort of a backup plan on what you might do with the funds or where else you might buy if this doesn't kinda go ahead. Okay. Yeah. Yeah. Absolutely. Perfect. And are you sort of happy hoping to have the principal primary residence paid off by the time you get to the retirement years or in the next sort of ten years? What's your goal with paying that one down? Yeah. Yeah. Beautiful. Lovely. And so your soup is working really well at the moment. I did have a bit of a look in the last sort of three months there. Since we've made the changes and moved you into the SMA, it does look like your super is up by net of fees 8.12 percent. So that side of things is working really nicely for you. Really happy with how that's sort of going. Are you I know we did sort of talk about we've got the salary sacrifice there. Are you wanting to sort of build super a bit more and maybe make additional contributions into there as part of your long term plan, or are you sort of happy with what how that's structured and what's happening with Super at the moment and looking to maybe direct investments outside of Super a bit more? Yep. Yep. Yep. Yep. Yes. Yep. Yep. Absolutely. Yeah. No. Definitely. So, no, one of the things that you kinda mentioned in email was, you know, looking forward to doing this five year plan and sort of looking at where you're going and heading and tracking was in relation to the email that we sent out with Tom's scenario. Yeah. Yeah. And, look, Tom's scenario is very much doable, but Tom's scenario is also very much more to his circumstances. And one of the big things with from scenario was that whenever he got pay rises, he directed that money into, yeah, he directed the difference into investing into his super and paying down his loans. At the end of that five years, with the way that scenario works I'm not sure if you read the whole thing, but when he kinda got to the end of that five years, he had growth assets of over $2,000,000. He still had a million dollars in loans, so he still did technically have loans on the property. But then it was also so his net assets was about 800,000. And that was a good amount of growth over the long term, and that was a combination of super as well as property. It doesn't kind of go into any detail as to whether there was any outside other investments there or not. But it definitely can work for yourself, and it's more about just working out what you're after, what your goals are, where you're tracking for, but also what you're comfortable with to work out, you know, where we go with that. And I think incorporating both your properties, the new one as well as your current investment property and looking at your PPR is very much important because you are looking at your total assets, which encompasses your super, all of your properties, any savings you have, and any other investments that you might have outside of super as well. And we can absolutely incorporate those sorts of things for you. It's not a problem. I just think it's best to maybe do this whole plan when you've got your new property set up. That way, you're sort of looking at everything as a whole. Otherwise, we go to the length of doing all of this now, and then it has to change in a few months' time with you depending on what happens with that new property down the track there. But it is definitely something we can do. Moving forward, I do have to let you know, moving forward, our fee structure is kinda changing. And for advice, our supervisor, they are gonna start charging for that as, like, an upfront fee. But for yourself, because the new fee structure is not in place and I'm having a conversation with you today, I'm gonna make sure that that is waived so you won't have to cover that. This will all kind of be incorporated. Are you wanting to sort of look at building kind of investment portfolios outside of super very similar to your super, or are you more just looking at having your super there and then focusing on property outside of your super? What's your sort of thoughts with that? Sorry. Yeah. Yeah. No. That's okay. No. That's okay. That's okay. Because just like you said, we do have access to investment portfolios and can build investments and have access to platforms like Hub twenty four for your super and or other platforms as well. So we can look at investing in shares and managed funds and things like that in your own name as well. It can also be done jointly if you wanted to have it done jointly with Yani. And I just need to make sure you're both sort of in that conversation so we can assess both your goals together. But, generally, that can also help with providing long term wealth strategies as well. It's diversifying your portfolio so you have super where you can't really access that until the age of 60 if that's when you choose to retire. But then investing in your own name means you've got savings put aside and putting that into, say, a portfolio at a level that you're comfortable with to, a, be building wealth for the future for the next five to ten years to be able to draw down when and if you need to or to supplement and sort of, you know, have as well as the property depending on what your kind of goal is with the property long term. Are you guys sort of thinking at the moment property wise, you're wanting to maybe hold it for a period of time and then sell it off and take capital, or are you planning to hold them into retirement to supplement your sleep? Or have you thought about long term goals with regard to the property? Yes. Yes. Yep. Mhmm. Yeah. Yeah. No. That's okay. And, look, long term wise, as part of that plan, we can we can help you to model that sort of thing. That's what we do as advisers. We can model different scenarios, look at, you know, how how much it's being growing, look at what might be expected, and sort of see whether keeping it, whether you can pay the loan down to that point or whether it's, you know, expected to still have a loan at that point. Are you sort of thinking that you if you have the loan fully paid off by retirement, you might be more willing to keep them to supplement your super if they're more positively geared? Is that kind of where your thoughts are? Yep. Yep. Yeah. Yeah. Yeah. No. Absolutely. And, look, honestly, wage growth never seems to keep up with inflationary or and property, especially over the last years, has just gone gangbusters. And I know there are certain areas that have had a bit of a decline in recent months with property, but it means it's just a bit of a slump. It will come back. It will continue to grow. It's just a matter of making sure that we've got, you know, the right assets and we have a long term goal. So when we do look at sort of your scenario and look at the next sort of five to ten years, we do take your long term goals into play as well, sort of thinking about what you want in retirement because that does sort of help determine whether it's worth keeping the property longer than that five or ten years or whether it's worth selling it off, whether you pay the loan down completely and pay it off, or whether you just build enough capital to be able to sell it, cover the loan, and, you know, cement the gains there. So all of those definitely do factor in. And what I would probably suggest, if it's okay, is over the next, you know, couple of months between now and when you do get that next property sorted, sell this one and and get the next one started. Maybe just think about what it is long term. What what do you guys wanna achieve together? Do you wanna keep the properties and maybe supplement super? Are you wanting to maybe sell one or two of them off if it's preferable? Do you, you know, do you wanna what does financial freedom look to you was another really good question as well. So is it that you wanna, in the next ten years, have enough wealth beside you that you have the option to stop working full time, or do you just wanna sort of be able to maybe supplement half your income? What what that financial freedom kinda looks like to you and each of you and or both of you together, if that makes sense? Yeah. Sorry. All these conversations end up with, like, a lot more questions, and I do apologize. And and one thing I do sort of find, especially when we are talking, like, I'll do the advice to you, but a lot of this can affect Yanni as well, so it might be worth having that conversation with him. But sometimes when you both sort of sit down and work out what your go goals are versus his, there can be a bit of a difference. So then coming to you and you're right. Well, this is what I wanna achieve. What do you want? And is there a middle ground we'd both be fairly comfortable with as well? Because it is really very common where you sort of sit down with couples, and they both have very different goals, and it's just about working at that middle ground with what's comfortable for both of you, if that makes sense. Yeah. Good. Yeah. Yep. Yep. Yep. Yeah. Do you want me to send you an email after the call breaking down some of those additional questions for you guys to think about? Would that be easier? Yeah. No. You're absolutely fine. But, no, look, honestly, this sounds like a really great plan to put together. I'm really excited to help you and kinda look at the next five to ten years and see, you know, where you are tracking and what we can do to help. I do love that you read the email. I think that is fantastic. It definitely generated quite a bit of interest, and I think that's important because a lot of, yeah, a lot of people do just think we're here for super, and we're definitely not. But as I kinda said to you, I will make sure because we're speaking about this now that currently, there's no fee for any advice outside of super. So we'll make sure that that is, you know, continues. Moving forward, they wanna charge a fee for, like, an upfront fee for implementing or providing advice around a property and things like that. But I'm gonna scrap that for you because we're having this conversation now, and that fee structure hasn't yet been placed in force. So you have that on a recorded line here, Sarah. If there are any kind of investments that we do set up within, say, platforms like your super, we do charge an implementation and an ongoing fee for monitoring It is very much the same as your super 1.65%. We do tend to just take the balance and even the fee across both of them. So they're pro rataed across the super and the investment side of things. But I always as part of the advice, if that's the way we if that's the way you wanna kinda look with investing, I do kind of also show you that as part of the advice, do you get the option of taking it or not? It's completely up to you. But I just like to make sure I am being full, you know, transparent across the board with how the fee structure works and what, you know, what could be expected so you kind of know what you're walking into. But, yeah, I'm looking forward to putting this together. I think this could be really great, and I really do enjoy, you know, putting the five year plan together. Did you are you comfortable just sort of scoping out the super side for the no. Because you actually do wanna consider sorry. You do wanna consider adding additional contributions as well as don't you if that's possible. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. And that was kind of the one thing we did talk about with before was just starting small, letting you see the difference in your budget, and then getting comfortable while increasing that down the track as well. So, yeah, absolutely. I love the idea of building on that and increasing it when you are comfortable to do so. And it is the difference in tax. So instead of your marginal tax rate, that money is being taxed at 15%. And because that's a pretax, it's a pretax deduction that comes out of your income, you're essentially not losing the full $50. It's only that 34 on a fortnightly basis. So that's fantastic. Yeah. Excellent. And it's yeah. No. Absolutely. That I love that. That's fantastic. Now you also mentioned to me that you do have a bit of a budget that you do as well that you just sort of need to update and rejig with any changes. Do you do have when was the last time you kinda looked at your budget plan and redid your budget? Yep. Yeah. Yeah. Yep. Yeah. Okay. Yep. Yep. And this is sort of go through the fine tooth comb and highlight all the things and add them up and get a bit more of a a clearer view. Yep. That's fantastic. Yeah. Yeah. Yes. Yep. Yeah. Absolutely. I mean, I'm so excited for that. That is fantastic and very exciting for you. I with that, are you would you be then willing wanting to sort of take that twelve month maternity leave off, and will that affect your cash flow, or are you sort of wanting to have enough savings aside to give you a bit of a buffer at that point as well if that is in, say, one to two years? Mhmm. Yep. Yes. Yes. Yes. Yeah. And how's he going with the job hunt at the moment? Is anything sort of popping up, or he's still looking? Yep. Yep. Yep. Yeah. Wow. Yeah. Yeah. You think with work cover, they'd be trying to get it sorted. Yes. Right. Okay. Yeah. Okay. Well, hopefully, that all comes up fairly soon for you. Yeah. Sounds good. It sounds like he's ready to go back to work as well. It can take a lot. Yeah. Oh, understandable. No. Absolutely. And so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently? Yep. Okay. If it goes ahead. Yeah. No. Absolutely. Fantastic. Well, I think I think we're definitely on the right track with things. We'll definitely need to come back and just maybe have that conversation when we know what's happening with the property. If you if you happen to get guidance or you make a decision earlier than the current time frame you have, let us know. We can book you back in, and we can continue the conversation and really not out what you know, get the plan moving. But I think just because it is encompassing your whole circumstances for the both of you, it is definitely worth coming back and looking at everything once we know exactly what's happening with the property. That way the plan is in your best interest and doesn't have to be changed really quickly in the next few months. And definitely with the both of you, with yourself and Yanni to make sure that it is, you know, encompassing both of your circumstances because it does affect both of you at the end of the day. If you like, I will send out an email to you shortly just with maybe any additional questions I might have that we haven't touched on or if anything comes up by things of. And just with a couple of things for you to sort of talk about, look at your goals long term, some things that you guys can maybe not over. And, yeah, if you wanted to maybe, when we get closer to that call, send me through a copy of your budget planner, that would definitely help with looking at what your expendable income looks like and when money is definitely coming and going if that helps. Is that okay? Yep. Beautiful. Lovely. And we'll set up Sarah's road map. This is gonna be Sarah and Yanni's five year plan, so we'll we'll call it that. No. Excellent. I'm really happy that that you reached out to look at doing this. This is something that I love, and I definitely wanna help both of you along the way. I know I have been speaking with Yanni about his side of things. We are unable to proceed to yeah. We're unable to sorry. Help with advice around a lot of his stuff at the moment just because he is in the process of looking for work and, again, just making sure that he's able to get that job and that sort of encompasses his circumstances. But like I said to him, it's not a no. It's just a not now. Let's do everything in best interest. We don't wanna provide some advice and then find it's no longer in best interest, so we need to go back and readjust everything. I do like to make sure that everything is in your best interest. And sometimes going a little bit slower with the plan is really perfect. If we rush it, it could be detrimental to both of you. So I do like to make sure that that is how I do my job and that I'm working. It's just a lot of money. This is your this is your goals, and this is really important to get right. So yeah. Yeah. That's okay. I'll send that email out shortly. If anything else comes up or any other questions pop up or you want some additional information, let me know. At this point, you mentioned this is all supposed to happen around about September. Is that right? Yep. Okay. When do you think you'll understand the construction loan and have all of that sort of ready to go? When what sort of time frame do you estimate for that? Yep. Okay. Yep. No. That's okay. Not a problem. Well, if it's okay, what I'll do is I might get Samantha just to give you a buzz. She's my admin team member around about the September 16 to see how everything's going with the settlement side of things and just to sort of touch base on how the loan and the construction side of things is going as well just so we can really understand when we provide the advice exactly what the loan's supposed to look like, how long that construction is supposed to take, and what your loan payments and draw downs and things look like. Because construction loans are fun, and they have stages. Or if you decide to pull out and decide not to go down that route, let us know earlier. But then we can kinda go from there and work out when we when we have that next conversation. Is does that sound okay? Yep. Beautiful. All good. And, look, in the meantime, if anything else comes up or you change your plans or if you just wanna, you know, have more of a conversation around it, let me know. I'm more than happy to sort of adjust the time frame. Just wanna make sure that we're not, you know, pushing everything through before it needs to happen and allow you to go through all the changes that you have coming up over the next few months. It sounds like a lot of things are occurring with the sale of property purchase of the new one possible with Janice's job. It's gonna be a busy few months. Yeah. All good. Are you expecting any kind of pay rise as well coming up over the next few months, do you think? Or mhmm. Okay. Yep. Okay. Beautiful. Lovely. Well, what I'll do is I'll get Sammy to touch touch base around about September. We'll we'll sort of see where things are going and whether we kind of book in and go for the chat then or whether we just hold off a little bit longer to get the construction loan in place. But if if you find that that's too long, you wanna have that conversation beforehand, just email me. You've got my details or give us a call, and we'll book you in to have that conversation. In the meantime, I'll keep touching base with Yani and see how things are going for him as well. Okay. That's okay. Not a problem at all. Looking forward to putting this together for you, Sarah. Can't wait. You too. Thank you for your time. See you later. 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Sarah. It's Dana from OKIE Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in for a bit of a catch up this afternoon looking at getting some updated advice. Is now still a good time there for you? Yeah. Fantastic. How's your day been so far?\n\nYeah. Really good. Really busy, but that's okay. We love it. No.\n\nAll good. Before we jump into the call there, Sarah, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Fantastic.\n\nAnd just to do security there with you as well, we are discussing your personal information. So just need to confirm your full name, your address, and date of birth I should have on file for you. Yeah. Perfect. Thank you so much for that.\n\nSo, Sarah, in your email and with your chat with Jack there, you kind of mentioned that you're wanting to look at getting your Tom scenario and finding your way forward and looking at advice. You're sort of looking to be financially free in the next ten years. Is that right? Yep. Yeah.\n\nAbsolutely. Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals? What is sort of your goal with that? Okay. Yep.\n\nOkay. Yep. Okay. Yep. Yeah.\n\nThat's okay. Not a problem at all. So because you are looking to purchase a new investment property, your when's that kind of all happening and going through? Mhmm. Mhmm.\n\nYeah. Yeah. Okay. Okay. No worries at all.\n\nAnd so with the the cash flow and budgeting side of things, you're are you sort of wanting us to sort of give you an idea of how to pay down your current investment property? Are you wanting to incorporate the new property as well and maybe reducing that loan over the next sort of five to ten years, or what just to kinda break down what you're after? Yep. Yep. Okay.\n\nNo worries at all. So, realistically, in order to kinda provide that kind of advice, we do need to understand a lot about the loan. And so if we're incorporating that new investment property, we'll need to make sure that you have that property first, understand the loan that you do have, what the repayments are. Yeah. So that realistically, the advice you're after, I would have to probably just put off for a little while until you've got that property in place and that you've kind of got, you know, those loans all set up and ready to go with your repayment schedules and have a look then at, you know, what you're repaying, how you can best structure it.\n\nYou know, if you're repaying more, what does that look like over the next sort of five to ten years? Does that make sense? Yeah. It's more just if we look at doing that now, we're not really looking at exactly what the interest rates are, what the loan looks like, or anything down the track. It's sort of just an estimated, you know, an estimated valuation, estimated look at the loan and how that might look.\n\nWhereas between now and then interest rates could definitely change. Everything could sort of change. And if you decide not to take that property and you pull out, that could definitely change the plan there as well. So I do try to sort of work on and make sure I am working on essentially accurate information. And if we look at doing that now and we sort of go, well, in the next year, in September, you're expecting to have this loan with this interest rate, and you do this.\n\nYou'll put yourself in this position over the next five to ten years. When we get to that point, the plan could change, and we would have to update the advice and re sort of change it all based on your circumstances then. So I would be looking to incorporate everything together if that's okay with you. Yeah. Yeah.\n\nThat's okay. Okay. Because I definitely have the Queensland one noted down here, but I don't have the one in Victoria. So, yeah, that's okay. The investment property in Victoria.\n\nAnd is that the one that you're looking to sell? Which one are you selling? Okay. That's probably why I don't have it noted down here. That's okay.\n\nEasy. And that's in Yanni's name. Beautiful. Lovely. Yeah.\n\nThat's the Queensland one. Yeah. Yep. And the the PPI, yes, the main primary residence there. That was the one we had valued at 750,000 there.\n\nAnd you had last time a loan of about 417,000 owing, and that you did have some offset in there as well. Yes. Beautiful. All good. How much are you sort of expecting to sell this property in Victoria for when it does sell?\n\nOkay. Yep. Beautiful. So 700 to $7.20. Well, hopefully, you get on the higher end of that.\n\nThat'd be fantastic. And do you have a loan on that one still at the moment? Yep. Yep. Beautiful.\n\nFantastic. Excellent. And so have you found a property? I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house.\n\nWhat's kind of the the house that you're looking to build? What's the sort of the outcome look like? Yeah. Yep. Yeah.\n\nYeah. Okay. And do you have sort of a backup plan on what you might do with the funds or where else you might buy if this doesn't kinda go ahead. Okay. Yeah.\n\nYeah. Absolutely. Perfect. And are you sort of happy hoping to have the principal primary residence paid off by the time you get to the retirement years or in the next sort of ten years? What's your goal with paying that one down?\n\nYeah. Yeah. Beautiful. Lovely. And so your soup is working really well at the moment.\n\nI did have a bit of a look in the last sort of three months there. Since we've made the changes and moved you into the SMA, it does look like your super is up by net of fees 8.12 percent. So that side of things is working really nicely for you. Really happy with how that's sort of going. Are you I know we did sort of talk about we've got the salary sacrifice there.\n\nAre you wanting to sort of build super a bit more and maybe make additional contributions into there as part of your long term plan, or are you sort of happy with what how that's structured and what's happening with Super at the moment and looking to maybe direct investments outside of Super a bit more? Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Absolutely. Yeah.\n\nNo. Definitely. So, no, one of the things that you kinda mentioned in email was, you know, looking forward to doing this five year plan and sort of looking at where you're going and heading and tracking was in relation to the email that we sent out with Tom's scenario. Yeah. Yeah.\n\nAnd, look, Tom's scenario is very much doable, but Tom's scenario is also very much more to his circumstances. And one of the big things with from scenario was that whenever he got pay rises, he directed that money into, yeah, he directed the difference into investing into his super and paying down his loans. At the end of that five years, with the way that scenario works I'm not sure if you read the whole thing, but when he kinda got to the end of that five years, he had growth assets of over $2,000,000. He still had a million dollars in loans, so he still did technically have loans on the property. But then it was also so his net assets was about 800,000.\n\nAnd that was a good amount of growth over the long term, and that was a combination of super as well as property. It doesn't kind of go into any detail as to whether there was any outside other investments there or not. But it definitely can work for yourself, and it's more about just working out what you're after, what your goals are, where you're tracking for, but also what you're comfortable with to work out, you know, where we go with that. And I think incorporating both your properties, the new one as well as your current investment property and looking at your PPR is very much important because you are looking at your total assets, which encompasses your super, all of your properties, any savings you have, and any other investments that you might have outside of super as well. And we can absolutely incorporate those sorts of things for you.\n\nIt's not a problem. I just think it's best to maybe do this whole plan when you've got your new property set up. That way, you're sort of looking at everything as a whole. Otherwise, we go to the length of doing all of this now, and then it has to change in a few months' time with you depending on what happens with that new property down the track there. But it is definitely something we can do.\n\nMoving forward, I do have to let you know, moving forward, our fee structure is kinda changing. And for advice, our supervisor, they are gonna start charging for that as, like, an upfront fee. But for yourself, because the new fee structure is not in place and I'm having a conversation with you today, I'm gonna make sure that that is waived so you won't have to cover that. This will all kind of be incorporated. Are you wanting to sort of look at building kind of investment portfolios outside of super very similar to your super, or are you more just looking at having your super there and then focusing on property outside of your super?\n\nWhat's your sort of thoughts with that? Sorry. Yeah. Yeah. No.\n\nThat's okay. No. That's okay. That's okay. Because just like you said, we do have access to investment portfolios and can build investments and have access to platforms like Hub twenty four for your super and or other platforms as well.\n\nSo we can look at investing in shares and managed funds and things like that in your own name as well. It can also be done jointly if you wanted to have it done jointly with Yani. And I just need to make sure you're both sort of in that conversation so we can assess both your goals together. But, generally, that can also help with providing long term wealth strategies as well. It's diversifying your portfolio so you have super where you can't really access that until the age of 60 if that's when you choose to retire.\n\nBut then investing in your own name means you've got savings put aside and putting that into, say, a portfolio at a level that you're comfortable with to, a, be building wealth for the future for the next five to ten years to be able to draw down when and if you need to or to supplement and sort of, you know, have as well as the property depending on what your kind of goal is with the property long term. Are you guys sort of thinking at the moment property wise, you're wanting to maybe hold it for a period of time and then sell it off and take capital, or are you planning to hold them into retirement to supplement your sleep? Or have you thought about long term goals with regard to the property? Yes. Yes.\n\nYep. Mhmm. Yeah. Yeah. No.\n\nThat's okay. And, look, long term wise, as part of that plan, we can we can help you to model that sort of thing. That's what we do as advisers. We can model different scenarios, look at, you know, how how much it's being growing, look at what might be expected, and sort of see whether keeping it, whether you can pay the loan down to that point or whether it's, you know, expected to still have a loan at that point. Are you sort of thinking that you if you have the loan fully paid off by retirement, you might be more willing to keep them to supplement your super if they're more positively geared?\n\nIs that kind of where your thoughts are? Yep. Yep. Yeah. Yeah.\n\nYeah. No. Absolutely. And, look, honestly, wage growth never seems to keep up with inflationary or and property, especially over the last years, has just gone gangbusters. And I know there are certain areas that have had a bit of a decline in recent months with property, but it means it's just a bit of a slump.\n\nIt will come back. It will continue to grow. It's just a matter of making sure that we've got, you know, the right assets and we have a long term goal. So when we do look at sort of your scenario and look at the next sort of five to ten years, we do take your long term goals into play as well, sort of thinking about what you want in retirement because that does sort of help determine whether it's worth keeping the property longer than that five or ten years or whether it's worth selling it off, whether you pay the loan down completely and pay it off, or whether you just build enough capital to be able to sell it, cover the loan, and, you know, cement the gains there. So all of those definitely do factor in.\n\nAnd what I would probably suggest, if it's okay, is over the next, you know, couple of months between now and when you do get that next property sorted, sell this one and and get the next one started. Maybe just think about what it is long term. What what do you guys wanna achieve together? Do you wanna keep the properties and maybe supplement super? Are you wanting to maybe sell one or two of them off if it's preferable?\n\nDo you, you know, do you wanna what does financial freedom look to you was another really good question as well. So is it that you wanna, in the next ten years, have enough wealth beside you that you have the option to stop working full time, or do you just wanna sort of be able to maybe supplement half your income? What what that financial freedom kinda looks like to you and each of you and or both of you together, if that makes sense? Yeah. Sorry.\n\nAll these conversations end up with, like, a lot more questions, and I do apologize. And and one thing I do sort of find, especially when we are talking, like, I'll do the advice to you, but a lot of this can affect Yanni as well, so it might be worth having that conversation with him. But sometimes when you both sort of sit down and work out what your go goals are versus his, there can be a bit of a difference. So then coming to you and you're right. Well, this is what I wanna achieve.\n\nWhat do you want? And is there a middle ground we'd both be fairly comfortable with as well? Because it is really very common where you sort of sit down with couples, and they both have very different goals, and it's just about working at that middle ground with what's comfortable for both of you, if that makes sense. Yeah. Good.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nDo you want me to send you an email after the call breaking down some of those additional questions for you guys to think about? Would that be easier? Yeah. No. You're absolutely fine.\n\nBut, no, look, honestly, this sounds like a really great plan to put together. I'm really excited to help you and kinda look at the next five to ten years and see, you know, where you are tracking and what we can do to help. I do love that you read the email. I think that is fantastic. It definitely generated quite a bit of interest, and I think that's important because a lot of, yeah, a lot of people do just think we're here for super, and we're definitely not.\n\nBut as I kinda said to you, I will make sure because we're speaking about this now that currently, there's no fee for any advice outside of super. So we'll make sure that that is, you know, continues. Moving forward, they wanna charge a fee for, like, an upfront fee for implementing or providing advice around a property and things like that. But I'm gonna scrap that for you because we're having this conversation now, and that fee structure hasn't yet been placed in force. So you have that on a recorded line here, Sarah.\n\nIf there are any kind of investments that we do set up within, say, platforms like your super, we do charge an implementation and an ongoing fee for monitoring It is very much the same as your super 1.65%. We do tend to just take the balance and even the fee across both of them. So they're pro rataed across the super and the investment side of things. But I always as part of the advice, if that's the way we if that's the way you wanna kinda look with investing, I do kind of also show you that as part of the advice, do you get the option of taking it or not? It's completely up to you.\n\nBut I just like to make sure I am being full, you know, transparent across the board with how the fee structure works and what, you know, what could be expected so you kind of know what you're walking into. But, yeah, I'm looking forward to putting this together. I think this could be really great, and I really do enjoy, you know, putting the five year plan together. Did you are you comfortable just sort of scoping out the super side for the no. Because you actually do wanna consider sorry.\n\nYou do wanna consider adding additional contributions as well as don't you if that's possible. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yeah. Yeah. And that was kind of the one thing we did talk about with before was just starting small, letting you see the difference in your budget, and then getting comfortable while increasing that down the track as well. So, yeah, absolutely.\n\nI love the idea of building on that and increasing it when you are comfortable to do so. And it is the difference in tax. So instead of your marginal tax rate, that money is being taxed at 15%. And because that's a pretax, it's a pretax deduction that comes out of your income, you're essentially not losing the full $50. It's only that 34 on a fortnightly basis.\n\nSo that's fantastic. Yeah. Excellent. And it's yeah. No.\n\nAbsolutely. That I love that. That's fantastic. Now you also mentioned to me that you do have a bit of a budget that you do as well that you just sort of need to update and rejig with any changes. Do you do have when was the last time you kinda looked at your budget plan and redid your budget?\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nOkay. Yep. Yep. And this is sort of go through the fine tooth comb and highlight all the things and add them up and get a bit more of a a clearer view. Yep.\n\nThat's fantastic. Yeah. Yeah. Yes. Yep.\n\nYeah. Absolutely. I mean, I'm so excited for that. That is fantastic and very exciting for you. I with that, are you would you be then willing wanting to sort of take that twelve month maternity leave off, and will that affect your cash flow, or are you sort of wanting to have enough savings aside to give you a bit of a buffer at that point as well if that is in, say, one to two years?\n\nMhmm. Yep. Yes. Yes. Yes.\n\nYeah. And how's he going with the job hunt at the moment? Is anything sort of popping up, or he's still looking? Yep. Yep.\n\nYep. Yeah. Wow. Yeah. Yeah.\n\nYou think with work cover, they'd be trying to get it sorted. Yes. Right. Okay. Yeah.\n\nOkay. Well, hopefully, that all comes up fairly soon for you. Yeah. Sounds good. It sounds like he's ready to go back to work as well.\n\nIt can take a lot. Yeah. Oh, understandable. No. Absolutely.\n\nAnd so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently? Yep. Okay. If it goes ahead. Yeah.\n\nNo. Absolutely. Fantastic. Well, I think I think we're definitely on the right track with things. We'll definitely need to come back and just maybe have that conversation when we know what's happening with the property.\n\nIf you if you happen to get guidance or you make a decision earlier than the current time frame you have, let us know. We can book you back in, and we can continue the conversation and really not out what you know, get the plan moving. But I think just because it is encompassing your whole circumstances for the both of you, it is definitely worth coming back and looking at everything once we know exactly what's happening with the property. That way the plan is in your best interest and doesn't have to be changed really quickly in the next few months. And definitely with the both of you, with yourself and Yanni to make sure that it is, you know, encompassing both of your circumstances because it does affect both of you at the end of the day.\n\nIf you like, I will send out an email to you shortly just with maybe any additional questions I might have that we haven't touched on or if anything comes up by things of. And just with a couple of things for you to sort of talk about, look at your goals long term, some things that you guys can maybe not over. And, yeah, if you wanted to maybe, when we get closer to that call, send me through a copy of your budget planner, that would definitely help with looking at what your expendable income looks like and when money is definitely coming and going if that helps. Is that okay? Yep.\n\nBeautiful. Lovely. And we'll set up Sarah's road map. This is gonna be Sarah and Yanni's five year plan, so we'll we'll call it that. No.\n\nExcellent. I'm really happy that that you reached out to look at doing this. This is something that I love, and I definitely wanna help both of you along the way. I know I have been speaking with Yanni about his side of things. We are unable to proceed to yeah.\n\nWe're unable to sorry. Help with advice around a lot of his stuff at the moment just because he is in the process of looking for work and, again, just making sure that he's able to get that job and that sort of encompasses his circumstances. But like I said to him, it's not a no. It's just a not now. Let's do everything in best interest.\n\nWe don't wanna provide some advice and then find it's no longer in best interest, so we need to go back and readjust everything. I do like to make sure that everything is in your best interest. And sometimes going a little bit slower with the plan is really perfect. If we rush it, it could be detrimental to both of you. So I do like to make sure that that is how I do my job and that I'm working.\n\nIt's just a lot of money. This is your this is your goals, and this is really important to get right. So yeah. Yeah. That's okay.\n\nI'll send that email out shortly. If anything else comes up or any other questions pop up or you want some additional information, let me know. At this point, you mentioned this is all supposed to happen around about September. Is that right? Yep.\n\nOkay. When do you think you'll understand the construction loan and have all of that sort of ready to go? When what sort of time frame do you estimate for that? Yep. Okay.\n\nYep. No. That's okay. Not a problem. Well, if it's okay, what I'll do is I might get Samantha just to give you a buzz.\n\nShe's my admin team member around about the September 16 to see how everything's going with the settlement side of things and just to sort of touch base on how the loan and the construction side of things is going as well just so we can really understand when we provide the advice exactly what the loan's supposed to look like, how long that construction is supposed to take, and what your loan payments and draw downs and things look like. Because construction loans are fun, and they have stages. Or if you decide to pull out and decide not to go down that route, let us know earlier. But then we can kinda go from there and work out when we when we have that next conversation. Is does that sound okay?\n\nYep. Beautiful. All good. And, look, in the meantime, if anything else comes up or you change your plans or if you just wanna, you know, have more of a conversation around it, let me know. I'm more than happy to sort of adjust the time frame.\n\nJust wanna make sure that we're not, you know, pushing everything through before it needs to happen and allow you to go through all the changes that you have coming up over the next few months. It sounds like a lot of things are occurring with the sale of property purchase of the new one possible with Janice's job. It's gonna be a busy few months. Yeah. All good.\n\nAre you expecting any kind of pay rise as well coming up over the next few months, do you think? Or mhmm. Okay. Yep. Okay.\n\nBeautiful. Lovely. Well, what I'll do is I'll get Sammy to touch touch base around about September. We'll we'll sort of see where things are going and whether we kind of book in and go for the chat then or whether we just hold off a little bit longer to get the construction loan in place. But if if you find that that's too long, you wanna have that conversation beforehand, just email me.\n\nYou've got my details or give us a call, and we'll book you in to have that conversation. In the meantime, I'll keep touching base with Yani and see how things are going for him as well. Okay. That's okay. Not a problem at all.\n\nLooking forward to putting this together for you, Sarah. Can't wait. You too. Thank you for your time. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Sarah.","start":7.2,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.09339528903365135},{"text":"It's Dana from OKIE Financial.","start":7.9199996,"end":9.62,"sentiment":"neutral","sentiment_score":0.10228537321090699},{"text":"How are you this afternoon?","start":9.679999,"end":10.9,"sentiment":"neutral","sentiment_score":0.22433044612407685},{"text":"I'm very well.","start":12.975,"end":13.775001,"sentiment":"positive","sentiment_score":0.7054437597592672},{"text":"Thank you.","start":13.775001,"end":14.255,"sentiment":"positive","sentiment_score":0.7743440568447113}],"sentiment":"neutral","sentiment_score":0.3226405333946733,"num_words":17,"start":7.2,"end":14.255},{"sentences":[{"text":"I had you booked in for a bit of a catch up this afternoon looking at getting some updated advice.","start":14.255,"end":18.675,"sentiment":"positive","sentiment_score":0.3749764934182167},{"text":"Is now still a good time there for you?","start":18.735,"end":20.915,"sentiment":"positive","sentiment_score":0.3900138172838423},{"text":"Yeah.","start":22.815,"end":23.215,"sentiment":"positive","sentiment_score":0.381282240152359},{"text":"Fantastic.","start":23.215,"end":23.715,"sentiment":"positive","sentiment_score":0.6473802328109741},{"text":"How's your day been so far?","start":23.935001,"end":25.475,"sentiment":"positive","sentiment_score":0.3935074508190155}],"sentiment":"positive","sentiment_score":0.38917192977827947,"num_words":37,"start":14.255,"end":25.475},{"sentences":[{"text":"Yeah.","start":30.509998,"end":30.91,"sentiment":"neutral","sentiment_score":0.13612210750579834},{"text":"Really good.","start":30.91,"end":31.47,"sentiment":"neutral","sentiment_score":0.27707190811634064},{"text":"Really busy, but that's okay.","start":31.47,"end":32.989998,"sentiment":"neutral","sentiment_score":0.012409453373402357},{"text":"We love it.","start":32.989998,"end":33.89,"sentiment":"positive","sentiment_score":0.3584244946638743},{"text":"No.","start":35.87,"end":36.269997,"sentiment":"neutral","sentiment_score":0.021593909710645676}],"sentiment":"neutral","sentiment_score":0.15409838202564666,"num_words":12,"start":30.509998,"end":36.269997},{"sentences":[{"text":"All good.","start":36.269997,"end":37.09,"sentiment":"neutral","sentiment_score":0.15403323993086815},{"text":"Before we jump into the call there, Sarah, just let you know we do record our calls for quality and training purposes.","start":37.629997,"end":42.325,"sentiment":"neutral","sentiment_score":0.033777004446495666},{"text":"Are you happy for me to proceed with that?","start":42.325,"end":44.585003,"sentiment":"neutral","sentiment_score":0.08602960200773345},{"text":"Yeah.","start":46.245003,"end":46.725002,"sentiment":"neutral","sentiment_score":0.31686466932296753},{"text":"Fantastic.","start":46.725002,"end":47.225002,"sentiment":"positive","sentiment_score":0.569668173789978}],"sentiment":"neutral","sentiment_score":0.07748456682477678,"num_words":35,"start":36.269997,"end":47.225002},{"sentences":[{"text":"And just to do security there with you as well, we are discussing your personal information.","start":47.445,"end":51.145,"sentiment":"neutral","sentiment_score":0.2274879589676857},{"text":"So just need to confirm your full name, your address, and date of birth I should have on file for you.","start":51.780003,"end":56.2,"sentiment":"neutral","sentiment_score":0.115358771667594},{"text":"Yeah.","start":68.275,"end":68.775,"sentiment":"neutral","sentiment_score":0.15824759006500244},{"text":"Perfect.","start":68.915,"end":69.415,"sentiment":"positive","sentiment_score":0.512162446975708},{"text":"Thank you so much for that.","start":69.475,"end":71.015,"sentiment":"positive","sentiment_score":0.652894655863444}],"sentiment":"neutral","sentiment_score":0.23666932268275154,"num_words":45,"start":47.445,"end":71.015},{"sentences":[{"text":"So, Sarah, in your email and with your chat with Jack there, you kind of mentioned that you're wanting to look at getting your Tom scenario and finding your way forward and looking at advice.","start":71.315,"end":80.69,"sentiment":"neutral","sentiment_score":0.328210500734193},{"text":"You're sort of looking to be financially free in the next ten years.","start":80.69,"end":83.810005,"sentiment":"neutral","sentiment_score":0.3205121182478391},{"text":"Is that right?","start":83.810005,"end":84.630005,"sentiment":"neutral","sentiment_score":0.19459476073582968},{"text":"Yep.","start":94.875,"end":95.375,"sentiment":"neutral","sentiment_score":0.23003672063350675},{"text":"Yeah.","start":97.035,"end":97.354996,"sentiment":"neutral","sentiment_score":0.193794846534729}],"sentiment":"neutral","sentiment_score":0.3143705832508375,"num_words":53,"start":71.315,"end":97.354996},{"sentences":[{"text":"Absolutely.","start":97.354996,"end":97.854996,"sentiment":"neutral","sentiment_score":0.1953325718641281},{"text":"Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals?","start":98.955,"end":109.53,"sentiment":"neutral","sentiment_score":0.20615460723638535},{"text":"What is sort of your goal with that?","start":109.67,"end":111.53,"sentiment":"neutral","sentiment_score":0.06278797588311136},{"text":"Okay.","start":130.02,"end":130.52,"sentiment":"neutral","sentiment_score":0.012504667043685911},{"text":"Yep.","start":135.62,"end":136.12,"sentiment":"neutral","sentiment_score":0.21014003455638883}],"sentiment":"neutral","sentiment_score":0.17920621525496244,"num_words":50,"start":97.354996,"end":136.12},{"sentences":[{"text":"Okay.","start":141.235,"end":141.735,"sentiment":"neutral","sentiment_score":0.12021243572235107},{"text":"Yep.","start":145.315,"end":145.815,"sentiment":"neutral","sentiment_score":0.1583533138036728},{"text":"Okay.","start":150.37001,"end":150.87001,"sentiment":"neutral","sentiment_score":0.07470829784870148},{"text":"Yep.","start":159.89,"end":160.21,"sentiment":"neutral","sentiment_score":0.17996035516262054},{"text":"Yeah.","start":160.21,"end":160.53,"sentiment":"neutral","sentiment_score":0.23342609405517575}],"sentiment":"neutral","sentiment_score":0.15333209931850433,"num_words":5,"start":141.235,"end":160.53},{"sentences":[{"text":"That's okay.","start":160.53,"end":161.25,"sentiment":"neutral","sentiment_score":0.31882524490356445},{"text":"Not a problem at all.","start":161.25,"end":162.37001,"sentiment":"neutral","sentiment_score":0.32572968006134034},{"text":"So because you are looking to purchase a new investment property, your when's that kind of all happening and going through?","start":162.37001,"end":170.545,"sentiment":"neutral","sentiment_score":0.0973887521596182},{"text":"Mhmm.","start":175.66,"end":176.16,"sentiment":"neutral","sentiment_score":0.1689819097518921},{"text":"Mhmm.","start":188.635,"end":189.135,"sentiment":"neutral","sentiment_score":-0.0019451240077614784}],"sentiment":"neutral","sentiment_score":0.1492833157069981,"num_words":30,"start":160.53,"end":189.135},{"sentences":[{"text":"Yeah.","start":193.355,"end":193.855,"sentiment":"neutral","sentiment_score":-0.06497162580490112},{"text":"Yeah.","start":199.29,"end":199.79,"sentiment":"neutral","sentiment_score":0.0490046963095665},{"text":"Okay.","start":205.69,"end":206.19,"sentiment":"neutral","sentiment_score":-0.01634536124765873},{"text":"Okay.","start":208.25,"end":208.75,"sentiment":"neutral","sentiment_score":0.07086409628391266},{"text":"No worries at all.","start":208.81,"end":210.19,"sentiment":"neutral","sentiment_score":0.059858253225684166}],"sentiment":"neutral","sentiment_score":0.034748102305456996,"num_words":8,"start":193.355,"end":210.19},{"sentences":[{"text":"And so with the the cash flow and budgeting side of things, you're are you sort of wanting us to sort of give you an idea of how to pay down your current investment property?","start":210.25,"end":218.495,"sentiment":"neutral","sentiment_score":0.03731020593217441},{"text":"Are you wanting to incorporate the new property as well and maybe reducing that loan over the next sort of five to ten years, or what just to kinda break down what you're after?","start":218.495,"end":227.42,"sentiment":"neutral","sentiment_score":-0.0069872141980073035},{"text":"Yep.","start":227.79999,"end":228.29999,"sentiment":"neutral","sentiment_score":0.07022115588188171},{"text":"Yep.","start":247.015,"end":247.495,"sentiment":"neutral","sentiment_score":0.07720722258090973},{"text":"Okay.","start":247.495,"end":247.97499,"sentiment":"neutral","sentiment_score":0.09951940923929214}],"sentiment":"neutral","sentiment_score":0.018267218230499163,"num_words":72,"start":210.25,"end":247.97499},{"sentences":[{"text":"No worries at all.","start":247.97499,"end":249.21,"sentiment":"neutral","sentiment_score":0.03758074063807726},{"text":"So, realistically, in order to kinda provide that kind of advice, we do need to understand a lot about the loan.","start":249.29001,"end":254.49,"sentiment":"neutral","sentiment_score":-0.011430828699043818},{"text":"And so if we're incorporating that new investment property, we'll need to make sure that you have that property first, understand the loan that you do have, what the repayments are.","start":254.49,"end":263.85,"sentiment":"neutral","sentiment_score":0.0030244861451548433},{"text":"Yeah.","start":263.85,"end":264.35,"sentiment":"neutral","sentiment_score":0.03451700136065483},{"text":"So that realistically, the advice you're after, I would have to probably just put off for a little while until you've got that property in place and that you've kind of got, you know, those loans all set up and ready to go with your repayment schedules and have a look then at, you know, what you're repaying, how you can best structure it.","start":265.57498,"end":282.56,"sentiment":"neutral","sentiment_score":0.06680602543565328}],"sentiment":"neutral","sentiment_score":0.03565402693896408,"num_words":121,"start":247.97499,"end":282.56},{"sentences":[{"text":"You know, if you're repaying more, what does that look like over the next sort of five to ten years?","start":282.56,"end":286.64,"sentiment":"neutral","sentiment_score":0.0070679085329174995},{"text":"Does that make sense?","start":286.64,"end":287.7,"sentiment":"neutral","sentiment_score":0.05065480340272188},{"text":"Yeah.","start":289.85498,"end":290.175,"sentiment":"neutral","sentiment_score":0.11487748473882677},{"text":"It's more just if we look at doing that now, we're not really looking at exactly what the interest rates are, what the loan looks like, or anything down the track.","start":290.175,"end":299.055,"sentiment":"neutral","sentiment_score":-0.01909233601914058},{"text":"It's sort of just an estimated, you know, an estimated valuation, estimated look at the loan and how that might look.","start":299.055,"end":306.09998,"sentiment":"neutral","sentiment_score":-0.06564264265554291}],"sentiment":"neutral","sentiment_score":-0.019629909653918115,"num_words":77,"start":282.56,"end":306.09998},{"sentences":[{"text":"Whereas between now and then interest rates could definitely change.","start":306.09998,"end":308.91998,"sentiment":"neutral","sentiment_score":-0.2665385127067566},{"text":"Everything could sort of change.","start":309.46,"end":310.5,"sentiment":"neutral","sentiment_score":-0.3264916896820068},{"text":"And if you decide not to take that property and you pull out, that could definitely change the plan there as well.","start":310.5,"end":316.03998,"sentiment":"negative","sentiment_score":-0.3823221732269634},{"text":"So I do try to sort of work on and make sure I am working on essentially accurate information.","start":316.635,"end":322.895,"sentiment":"neutral","sentiment_score":0.12078772524469777},{"text":"And if we look at doing that now and we sort of go, well, in the next year, in September, you're expecting to have this loan with this interest rate, and you do this.","start":323.115,"end":330.73,"sentiment":"neutral","sentiment_score":0.10518796303692986}],"sentiment":"neutral","sentiment_score":-0.07597304292851025,"num_words":90,"start":306.09998,"end":330.73},{"sentences":[{"text":"You'll put yourself in this position over the next five to ten years.","start":330.73,"end":333.95,"sentiment":"neutral","sentiment_score":0.14760697747652346},{"text":"When we get to that point, the plan could change, and we would have to update the advice and re sort of change it all based on your circumstances then.","start":334.41,"end":342.775,"sentiment":"neutral","sentiment_score":0.03883527716000875},{"text":"So I would be looking to incorporate everything together if that's okay with you.","start":342.775,"end":347.275,"sentiment":"neutral","sentiment_score":0.2604839705995151},{"text":"Yeah.","start":349.495,"end":349.995,"sentiment":"neutral","sentiment_score":0.07573038339614868},{"text":"Yeah.","start":352.215,"end":352.535,"sentiment":"neutral","sentiment_score":0.10928130149841309}],"sentiment":"neutral","sentiment_score":0.11721586941157357,"num_words":59,"start":330.73,"end":352.535},{"sentences":[{"text":"That's okay.","start":352.535,"end":353.35498,"sentiment":"neutral","sentiment_score":0.16439906507730484},{"text":"Okay.","start":363.0,"end":363.32,"sentiment":"neutral","sentiment_score":0.03915461525321007},{"text":"Because I definitely have the Queensland one noted down here, but I don't have the one in Victoria.","start":363.32,"end":368.22,"sentiment":"neutral","sentiment_score":-0.013255316764116287},{"text":"So, yeah, that's okay.","start":368.76,"end":371.555,"sentiment":"neutral","sentiment_score":0.043437151703983545},{"text":"The investment property in Victoria.","start":371.69498,"end":373.29498,"sentiment":"neutral","sentiment_score":0.004452307149767876}],"sentiment":"neutral","sentiment_score":0.010845572873950004,"num_words":30,"start":352.535,"end":373.29498},{"sentences":[{"text":"And is that the one that you're looking to sell?","start":373.29498,"end":375.055,"sentiment":"neutral","sentiment_score":0.0031470077810809016},{"text":"Which one are you selling?","start":375.055,"end":376.275,"sentiment":"neutral","sentiment_score":-0.0035670967772603035},{"text":"Okay.","start":380.095,"end":380.495,"sentiment":"neutral","sentiment_score":-0.012497867457568644},{"text":"That's probably why I don't have it noted down here.","start":380.495,"end":383.13498,"sentiment":"neutral","sentiment_score":-0.04769926033914089},{"text":"That's okay.","start":383.13498,"end":383.875,"sentiment":"neutral","sentiment_score":0.05680966004729271}],"sentiment":"neutral","sentiment_score":-0.012937019886781595,"num_words":28,"start":373.29498,"end":383.875},{"sentences":[{"text":"Easy.","start":385.54,"end":385.86002,"sentiment":"neutral","sentiment_score":0.27552610635757446},{"text":"And that's in Yanni's name.","start":385.86002,"end":387.64,"sentiment":"neutral","sentiment_score":0.1156966283917427},{"text":"Beautiful.","start":387.78,"end":388.28,"sentiment":"positive","sentiment_score":0.49594494700431824},{"text":"Lovely.","start":390.5,"end":391.0,"sentiment":"positive","sentiment_score":0.3699558973312378},{"text":"Yeah.","start":392.5,"end":392.82,"sentiment":"neutral","sentiment_score":0.026551974937319756}],"sentiment":"neutral","sentiment_score":0.1940513408432404,"num_words":9,"start":385.54,"end":392.82},{"sentences":[{"text":"That's the Queensland one.","start":392.82,"end":395.24,"sentiment":"neutral","sentiment_score":0.05371238011866808},{"text":"Yeah.","start":395.54,"end":396.04,"sentiment":"neutral","sentiment_score":0.03465256839990616},{"text":"Yep.","start":397.155,"end":397.63498,"sentiment":"neutral","sentiment_score":0.053678929805755615},{"text":"And the the PPI, yes, the main primary residence there.","start":397.63498,"end":400.595,"sentiment":"neutral","sentiment_score":0.052050349116325376},{"text":"That was the one we had valued at 750,000 there.","start":400.595,"end":404.13498,"sentiment":"neutral","sentiment_score":0.0607318501919508}],"sentiment":"neutral","sentiment_score":0.05503857737550369,"num_words":26,"start":392.82,"end":404.13498},{"sentences":[{"text":"And you had last time a loan of about 417,000 owing, and that you did have some offset in there as well.","start":404.51498,"end":411.97498,"sentiment":"neutral","sentiment_score":0.0320438997481357},{"text":"Yes.","start":414.14,"end":414.64,"sentiment":"neutral","sentiment_score":0.19864211976528168},{"text":"Beautiful.","start":414.7,"end":415.2,"sentiment":"positive","sentiment_score":0.5971585512161255},{"text":"All good.","start":415.5,"end":416.32,"sentiment":"positive","sentiment_score":0.5508570224046707},{"text":"How much are you sort of expecting to sell this property in Victoria for when it does sell?","start":416.7,"end":421.36002,"sentiment":"neutral","sentiment_score":0.06182888646920522}],"sentiment":"neutral","sentiment_score":0.08444091969762337,"num_words":44,"start":404.51498,"end":421.36002},{"sentences":[{"text":"Okay.","start":427.275,"end":427.775,"sentiment":"neutral","sentiment_score":0.02163003385066986},{"text":"Yep.","start":428.795,"end":429.295,"sentiment":"neutral","sentiment_score":0.12360706180334093},{"text":"Beautiful.","start":429.915,"end":430.415,"sentiment":"neutral","sentiment_score":0.2941046953201294},{"text":"So 700 to $7.20.","start":430.555,"end":432.395,"sentiment":"neutral","sentiment_score":0.09951536729931831},{"text":"Well, hopefully, you get on the higher end of that.","start":432.395,"end":434.075,"sentiment":"neutral","sentiment_score":0.20706113278865815}],"sentiment":"neutral","sentiment_score":0.17105968165047028,"num_words":17,"start":427.275,"end":434.075},{"sentences":[{"text":"That'd be fantastic.","start":434.075,"end":434.975,"sentiment":"positive","sentiment_score":0.562752366065979},{"text":"And do you have a loan on that one still at the moment?","start":437.56,"end":440.06,"sentiment":"neutral","sentiment_score":0.004901040345430374},{"text":"Yep.","start":446.28,"end":446.78,"sentiment":"neutral","sentiment_score":0.04921562597155571},{"text":"Yep.","start":446.84,"end":447.32,"sentiment":"neutral","sentiment_score":0.09968696534633636},{"text":"Beautiful.","start":447.32,"end":447.82,"sentiment":"positive","sentiment_score":0.46617650985717773}],"sentiment":"neutral","sentiment_score":0.12458156441387377,"num_words":19,"start":434.075,"end":447.82},{"sentences":[{"text":"Fantastic.","start":448.28,"end":448.78,"sentiment":"positive","sentiment_score":0.5430906414985657},{"text":"Excellent.","start":450.16498,"end":450.66498,"sentiment":"positive","sentiment_score":0.4126681089401245},{"text":"And so have you found a property?","start":450.72498,"end":452.645,"sentiment":"neutral","sentiment_score":0.060424077191523144},{"text":"I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property.","start":452.645,"end":459.22498,"sentiment":"neutral","sentiment_score":0.03408515636021128},{"text":"You mentioned that you wanted to only sort of go ahead if you could build a certain type of house.","start":459.685,"end":463.365,"sentiment":"neutral","sentiment_score":0.01373517969623208}],"sentiment":"neutral","sentiment_score":0.04617536272853613,"num_words":55,"start":448.28,"end":463.365},{"sentences":[{"text":"What's kind of the the house that you're looking to build?","start":463.365,"end":465.97,"sentiment":"neutral","sentiment_score":0.01168866828083992},{"text":"What's the sort of the outcome look like?","start":465.97,"end":468.15,"sentiment":"neutral","sentiment_score":0.003659344685729593},{"text":"Yeah.","start":473.49,"end":473.99,"sentiment":"neutral","sentiment_score":0.00829776469618082},{"text":"Yep.","start":475.905,"end":476.405,"sentiment":"neutral","sentiment_score":0.003898759838193655},{"text":"Yeah.","start":481.665,"end":482.165,"sentiment":"neutral","sentiment_score":-0.026586633175611496}],"sentiment":"neutral","sentiment_score":0.006520909087901766,"num_words":22,"start":463.365,"end":482.165},{"sentences":[{"text":"Yeah.","start":484.385,"end":484.625,"sentiment":"neutral","sentiment_score":-0.0014157965779304504},{"text":"Okay.","start":484.625,"end":485.125,"sentiment":"neutral","sentiment_score":0.004607805982232094},{"text":"And do you have sort of a backup plan on what you might do with the funds or where else you might buy if this doesn't kinda go ahead.","start":485.505,"end":492.80002,"sentiment":"neutral","sentiment_score":-0.02208383407058387},{"text":"Okay.","start":502.54,"end":503.04,"sentiment":"neutral","sentiment_score":-0.025598786771297455},{"text":"Yeah.","start":503.80502,"end":504.045,"sentiment":"neutral","sentiment_score":0.06299975514411926}],"sentiment":"neutral","sentiment_score":-0.018176915462721478,"num_words":33,"start":484.385,"end":504.045},{"sentences":[{"text":"Yeah.","start":504.045,"end":504.36502,"sentiment":"neutral","sentiment_score":0.16303586959838867},{"text":"Absolutely.","start":504.36502,"end":504.86502,"sentiment":"positive","sentiment_score":0.5421445369720459},{"text":"Perfect.","start":505.725,"end":506.225,"sentiment":"positive","sentiment_score":0.6763888597488403},{"text":"And are you sort of happy hoping to have the principal primary residence paid off by the time you get to the retirement years or in the next sort of ten years?","start":507.405,"end":515.72504,"sentiment":"neutral","sentiment_score":0.18407619383651763},{"text":"What's your goal with paying that one down?","start":515.72504,"end":517.745,"sentiment":"neutral","sentiment_score":0.05745026422664523}],"sentiment":"neutral","sentiment_score":0.17980487402095352,"num_words":43,"start":504.045,"end":517.745},{"sentences":[{"text":"Yeah.","start":521.14,"end":521.64,"sentiment":"neutral","sentiment_score":0.23088622093200684},{"text":"Yeah.","start":523.7,"end":524.01996,"sentiment":"positive","sentiment_score":0.4097301959991455},{"text":"Beautiful.","start":524.01996,"end":524.51996,"sentiment":"positive","sentiment_score":0.734335720539093},{"text":"Lovely.","start":525.94,"end":526.44,"sentiment":"positive","sentiment_score":0.7367749214172363},{"text":"And so your soup is working really well at the moment.","start":527.62,"end":530.44,"sentiment":"positive","sentiment_score":0.62658921696923}],"sentiment":"positive","sentiment_score":0.6002805630366007,"num_words":15,"start":521.14,"end":530.44},{"sentences":[{"text":"I did have a bit of a look in the last sort of three months there.","start":530.82,"end":534.73505,"sentiment":"neutral","sentiment_score":0.06814468558877707},{"text":"Since we've made the changes and moved you into the SMA, it does look like your super is up by net of fees 8.12 percent.","start":534.73505,"end":542.835,"sentiment":"neutral","sentiment_score":0.19957548022270202},{"text":"So that side of things is working really nicely for you.","start":542.97504,"end":546.67505,"sentiment":"positive","sentiment_score":0.5163171562281522},{"text":"Really happy with how that's sort of going.","start":547.76996,"end":549.79,"sentiment":"positive","sentiment_score":0.6876268312335014},{"text":"Are you I know we did sort of talk about we've got the salary sacrifice there.","start":550.57,"end":554.97,"sentiment":"neutral","sentiment_score":0.013120804564096034}],"sentiment":"neutral","sentiment_score":0.22987023968935796,"num_words":76,"start":530.82,"end":554.97},{"sentences":[{"text":"Are you wanting to sort of build super a bit more and maybe make additional contributions into there as part of your long term plan, or are you sort of happy with what how that's structured and what's happening with Super at the moment and looking to maybe direct investments outside of Super a bit more?","start":554.97,"end":569.80505,"sentiment":"neutral","sentiment_score":0.050162972416728735},{"text":"Yep.","start":577.24,"end":577.74,"sentiment":"neutral","sentiment_score":0.03806283324956894},{"text":"Yep.","start":588.935,"end":589.435,"sentiment":"neutral","sentiment_score":0.015072411857545376},{"text":"Yep.","start":601.67,"end":602.17,"sentiment":"neutral","sentiment_score":0.001530154375359416},{"text":"Yep.","start":604.15,"end":604.65,"sentiment":"neutral","sentiment_score":-0.03984682261943817}],"sentiment":"neutral","sentiment_score":0.04706575053666408,"num_words":60,"start":554.97,"end":604.65},{"sentences":[{"text":"Yes.","start":612.16504,"end":612.565,"sentiment":"neutral","sentiment_score":-0.04775319993495941},{"text":"Yep.","start":612.565,"end":613.065,"sentiment":"neutral","sentiment_score":-0.061228588223457336},{"text":"Yep.","start":618.48505,"end":618.98505,"sentiment":"neutral","sentiment_score":-0.05646172910928726},{"text":"Absolutely.","start":625.62,"end":626.12,"sentiment":"positive","sentiment_score":0.6167783737182617},{"text":"Yeah.","start":626.74,"end":627.06,"sentiment":"neutral","sentiment_score":0.3136637508869171}],"sentiment":"neutral","sentiment_score":0.15299972146749496,"num_words":5,"start":612.16504,"end":627.06},{"sentences":[{"text":"No.","start":627.06,"end":627.3,"sentiment":"neutral","sentiment_score":0.24757763743400577},{"text":"Definitely.","start":627.3,"end":627.8,"sentiment":"neutral","sentiment_score":0.31043729186058044},{"text":"So, no, one of the things that you kinda mentioned in email was, you know, looking forward to doing this five year plan and sort of looking at where you're going and heading and tracking was in relation to the email that we sent out with Tom's scenario.","start":628.42,"end":640.495,"sentiment":"neutral","sentiment_score":0.26207272879158455},{"text":"Yeah.","start":641.915,"end":642.395,"sentiment":"neutral","sentiment_score":0.18930798768997192},{"text":"Yeah.","start":642.395,"end":642.635,"sentiment":"neutral","sentiment_score":0.13125284016132355}],"sentiment":"neutral","sentiment_score":0.25880897575272965,"num_words":52,"start":627.06,"end":642.635},{"sentences":[{"text":"And, look, Tom's scenario is very much doable, but Tom's scenario is also very much more to his circumstances.","start":642.635,"end":649.295,"sentiment":"neutral","sentiment_score":0.047580457341514136},{"text":"And one of the big things with from scenario was that whenever he got pay rises, he directed that money into, yeah, he directed the difference into investing into his super and paying down his loans.","start":649.515,"end":661.38,"sentiment":"neutral","sentiment_score":0.04990818527423673},{"text":"At the end of that five years, with the way that scenario works I'm not sure if you read the whole thing, but when he kinda got to the end of that five years, he had growth assets of over $2,000,000.","start":662.08,"end":673.775,"sentiment":"neutral","sentiment_score":0.05973960681841141},{"text":"He still had a million dollars in loans, so he still did technically have loans on the property.","start":673.775,"end":678.35504,"sentiment":"neutral","sentiment_score":0.06593321336226331},{"text":"But then it was also so his net assets was about 800,000.","start":678.86,"end":682.62,"sentiment":"neutral","sentiment_score":0.11878829138974349}],"sentiment":"neutral","sentiment_score":0.06160559187391921,"num_words":126,"start":642.635,"end":682.62},{"sentences":[{"text":"And that was a good amount of growth over the long term, and that was a combination of super as well as property.","start":682.62,"end":688.56,"sentiment":"neutral","sentiment_score":0.3133013611254485},{"text":"It doesn't kind of go into any detail as to whether there was any outside other investments there or not.","start":689.1,"end":694.655,"sentiment":"neutral","sentiment_score":0.05058238450437784},{"text":"But it definitely can work for yourself, and it's more about just working out what you're after, what your goals are, where you're tracking for, but also what you're comfortable with to work out, you know, where we go with that.","start":694.955,"end":707.25,"sentiment":"positive","sentiment_score":0.3459579751985829},{"text":"And I think incorporating both your properties, the new one as well as your current investment property and looking at your PPR is very much important because you are looking at your total assets, which encompasses your super, all of your properties, any savings you have, and any other investments that you might have outside of super as well.","start":707.41,"end":725.005,"sentiment":"neutral","sentiment_score":0.22041778114892668},{"text":"And we can absolutely incorporate those sorts of things for you.","start":725.14496,"end":728.02496,"sentiment":"positive","sentiment_score":0.4363355907526883}],"sentiment":"neutral","sentiment_score":0.2610791984752014,"num_words":154,"start":682.62,"end":728.02496},{"sentences":[{"text":"It's not a problem.","start":728.02496,"end":729.005,"sentiment":"positive","sentiment_score":0.34174495190382004},{"text":"I just think it's best to maybe do this whole plan when you've got your new property set up.","start":729.225,"end":734.365,"sentiment":"neutral","sentiment_score":0.3329986165228643},{"text":"That way, you're sort of looking at everything as a whole.","start":734.505,"end":736.985,"sentiment":"neutral","sentiment_score":0.21012309870936655},{"text":"Otherwise, we go to the length of doing all of this now, and then it has to change in a few months' time with you depending on what happens with that new property down the track there.","start":736.985,"end":746.1,"sentiment":"neutral","sentiment_score":0.08299664246874887},{"text":"But it is definitely something we can do.","start":746.1,"end":748.12,"sentiment":"positive","sentiment_score":0.43392789363861084}],"sentiment":"neutral","sentiment_score":0.2094633737696877,"num_words":79,"start":728.02496,"end":748.12},{"sentences":[{"text":"Moving forward, I do have to let you know, moving forward, our fee structure is kinda changing.","start":749.06,"end":753.41504,"sentiment":"neutral","sentiment_score":0.024264975286581936},{"text":"And for advice, our supervisor, they are gonna start charging for that as, like, an upfront fee.","start":753.41504,"end":759.255,"sentiment":"neutral","sentiment_score":0.014658568646101391},{"text":"But for yourself, because the new fee structure is not in place and I'm having a conversation with you today, I'm gonna make sure that that is waived so you won't have to cover that.","start":759.255,"end":767.77997,"sentiment":"neutral","sentiment_score":0.024535210909587997},{"text":"This will all kind of be incorporated.","start":767.77997,"end":769.48,"sentiment":"neutral","sentiment_score":0.05116991539086614},{"text":"Are you wanting to sort of look at building kind of investment portfolios outside of super very similar to your super, or are you more just looking at having your super there and then focusing on property outside of your super?","start":770.89996,"end":781.70496,"sentiment":"neutral","sentiment_score":0.1034366662909345}],"sentiment":"neutral","sentiment_score":0.052303635507312596,"num_words":117,"start":749.06,"end":781.70496},{"sentences":[{"text":"What's your sort of thoughts with that?","start":781.70496,"end":783.40497,"sentiment":"neutral","sentiment_score":0.020962156621473178},{"text":"Sorry.","start":786.90497,"end":787.40497,"sentiment":"neutral","sentiment_score":-0.048882994800806046},{"text":"Yeah.","start":794.94,"end":795.44,"sentiment":"neutral","sentiment_score":-0.20411375164985657},{"text":"Yeah.","start":807.515,"end":807.915,"sentiment":"neutral","sentiment_score":-0.12130266427993774},{"text":"No.","start":807.915,"end":808.075,"sentiment":"neutral","sentiment_score":-0.22782880067825317}],"sentiment":"neutral","sentiment_score":-0.041399374096231026,"num_words":11,"start":781.70496,"end":808.075},{"sentences":[{"text":"That's okay.","start":808.075,"end":808.895,"sentiment":"neutral","sentiment_score":-0.19696722924709323},{"text":"No.","start":810.115,"end":810.615,"sentiment":"neutral","sentiment_score":-0.16763189435005188},{"text":"That's okay.","start":811.835,"end":812.735,"sentiment":"neutral","sentiment_score":-0.132524274289608},{"text":"That's okay.","start":814.475,"end":815.295,"sentiment":"neutral","sentiment_score":0.11542772874236107},{"text":"Because just like you said, we do have access to investment portfolios and can build investments and have access to platforms like Hub twenty four for your super and or other platforms as well.","start":815.355,"end":825.9153,"sentiment":"neutral","sentiment_score":0.2401948908672613}],"sentiment":"neutral","sentiment_score":0.1846552889158086,"num_words":41,"start":808.075,"end":825.9153},{"sentences":[{"text":"So we can look at investing in shares and managed funds and things like that in your own name as well.","start":825.9153,"end":832.785,"sentiment":"neutral","sentiment_score":0.23875860302221208},{"text":"It can also be done jointly if you wanted to have it done jointly with Yani.","start":832.94495,"end":836.545,"sentiment":"neutral","sentiment_score":0.20233470667153597},{"text":"And I just need to make sure you're both sort of in that conversation so we can assess both your goals together.","start":836.545,"end":841.44495,"sentiment":"neutral","sentiment_score":0.25221237675710156},{"text":"But, generally, that can also help with providing long term wealth strategies as well.","start":842.14496,"end":847.125,"sentiment":"positive","sentiment_score":0.40270829839365824},{"text":"It's diversifying your portfolio so you have super where you can't really access that until the age of 60 if that's when you choose to retire.","start":847.64996,"end":854.55,"sentiment":"neutral","sentiment_score":0.23466070626790708}],"sentiment":"neutral","sentiment_score":0.2579702302964047,"num_words":99,"start":825.9153,"end":854.55},{"sentences":[{"text":"But then investing in your own name means you've got savings put aside and putting that into, say, a portfolio at a level that you're comfortable with to, a, be building wealth for the future for the next five to ten years to be able to draw down when and if you need to or to supplement and sort of, you know, have as well as the property depending on what your kind of goal is with the property long term.","start":854.93,"end":876.175,"sentiment":"neutral","sentiment_score":0.17953833652499282},{"text":"Are you guys sort of thinking at the moment property wise, you're wanting to maybe hold it for a period of time and then sell it off and take capital, or are you planning to hold them into retirement to supplement your sleep?","start":876.54,"end":888.45996,"sentiment":"neutral","sentiment_score":0.022208610289665157},{"text":"Or have you thought about long term goals with regard to the property?","start":888.45996,"end":891.51996,"sentiment":"neutral","sentiment_score":0.021647220907303002},{"text":"Yes.","start":896.415,"end":896.915,"sentiment":"neutral","sentiment_score":0.012143825180828571},{"text":"Yes.","start":897.45496,"end":897.95496,"sentiment":"neutral","sentiment_score":0.028822829946875572}],"sentiment":"neutral","sentiment_score":0.11381263329426376,"num_words":139,"start":854.93,"end":897.95496},{"sentences":[{"text":"Yep.","start":905.55,"end":906.05,"sentiment":"neutral","sentiment_score":0.04021413251757622},{"text":"Mhmm.","start":909.07,"end":909.57,"sentiment":"neutral","sentiment_score":0.06027625501155853},{"text":"Yeah.","start":923.085,"end":923.245,"sentiment":"neutral","sentiment_score":0.04152081161737442},{"text":"Yeah.","start":923.245,"end":923.72504,"sentiment":"neutral","sentiment_score":0.02873828075826168},{"text":"No.","start":923.72504,"end":923.965,"sentiment":"neutral","sentiment_score":-0.023451171815395355}],"sentiment":"neutral","sentiment_score":0.0294596616178751,"num_words":5,"start":905.55,"end":923.965},{"sentences":[{"text":"That's okay.","start":923.965,"end":924.605,"sentiment":"neutral","sentiment_score":0.016042785719037056},{"text":"And, look, long term wise, as part of that plan, we can we can help you to model that sort of thing.","start":924.605,"end":928.925,"sentiment":"neutral","sentiment_score":0.17540132999420166},{"text":"That's what we do as advisers.","start":928.925,"end":930.385,"sentiment":"neutral","sentiment_score":0.17490472892920175},{"text":"We can model different scenarios, look at, you know, how how much it's being growing, look at what might be expected, and sort of see whether keeping it, whether you can pay the loan down to that point or whether it's, you know, expected to still have a loan at that point.","start":931.16,"end":944.54,"sentiment":"neutral","sentiment_score":0.07610996547513284},{"text":"Are you sort of thinking that you if you have the loan fully paid off by retirement, you might be more willing to keep them to supplement your super if they're more positively geared?","start":945.135,"end":955.375,"sentiment":"neutral","sentiment_score":0.11588486481238813}],"sentiment":"neutral","sentiment_score":0.11067367942425711,"num_words":116,"start":923.965,"end":955.375},{"sentences":[{"text":"Is that kind of where your thoughts are?","start":955.375,"end":957.82996,"sentiment":"neutral","sentiment_score":0.15349717903882265},{"text":"Yep.","start":958.61,"end":959.11,"sentiment":"positive","sentiment_score":0.4948439598083496},{"text":"Yep.","start":959.41,"end":959.91,"sentiment":"neutral","sentiment_score":0.22404560446739197},{"text":"Yeah.","start":967.81,"end":968.31,"sentiment":"neutral","sentiment_score":0.02391041629016399},{"text":"Yeah.","start":976.945,"end":977.345,"sentiment":"neutral","sentiment_score":-0.08160464465618134}],"sentiment":"neutral","sentiment_score":0.1574310640183588,"num_words":12,"start":955.375,"end":977.345},{"sentences":[{"text":"Yeah.","start":977.345,"end":977.845,"sentiment":"neutral","sentiment_score":-0.0827203169465065},{"text":"No.","start":977.985,"end":978.385,"sentiment":"neutral","sentiment_score":-0.16225671768188477},{"text":"Absolutely.","start":978.385,"end":978.885,"sentiment":"neutral","sentiment_score":0.009501859545707704},{"text":"And, look, honestly, wage growth never seems to keep up with inflationary or and property, especially over the last years, has just gone gangbusters.","start":979.665,"end":987.69,"sentiment":"neutral","sentiment_score":-0.27522570158665377},{"text":"And I know there are certain areas that have had a bit of a decline in recent months with property, but it means it's just a bit of a slump.","start":987.75,"end":995.43,"sentiment":"neutral","sentiment_score":-0.2597522576649984}],"sentiment":"neutral","sentiment_score":-0.2567273639142513,"num_words":57,"start":977.345,"end":995.43},{"sentences":[{"text":"It will come back.","start":995.43,"end":996.31,"sentiment":"neutral","sentiment_score":-0.29314157366752625},{"text":"It will continue to grow.","start":996.31,"end":997.93,"sentiment":"neutral","sentiment_score":0.06542283147573472},{"text":"It's just a matter of making sure that we've got, you know, the right assets and we have a long term goal.","start":998.455,"end":1003.335,"sentiment":"neutral","sentiment_score":0.18005579235878857},{"text":"So when we do look at sort of your scenario and look at the next sort of five to ten years, we do take your long term goals into play as well, sort of thinking about what you want in retirement because that does sort of help determine whether it's worth keeping the property longer than that five or ten years or whether it's worth selling it off, whether you pay the loan down completely and pay it off, or whether you just build enough capital to be able to sell it, cover the loan, and, you know, cement the gains there.","start":1003.335,"end":1029.675,"sentiment":"neutral","sentiment_score":0.160443093043332},{"text":"So all of those definitely do factor in.","start":1029.675,"end":1032.655,"sentiment":"neutral","sentiment_score":0.21528693661093712}],"sentiment":"neutral","sentiment_score":0.15037777502063318,"num_words":141,"start":995.43,"end":1032.655},{"sentences":[{"text":"And what I would probably suggest, if it's okay, is over the next, you know, couple of months between now and when you do get that next property sorted, sell this one and and get the next one started.","start":1033.195,"end":1044.4601,"sentiment":"neutral","sentiment_score":0.20140656733360046},{"text":"Maybe just think about what it is long term.","start":1045.16,"end":1047.56,"sentiment":"neutral","sentiment_score":0.21127422650655112},{"text":"What what do you guys wanna achieve together?","start":1047.56,"end":1049.88,"sentiment":"neutral","sentiment_score":0.21169722266495228},{"text":"Do you wanna keep the properties and maybe supplement super?","start":1049.88,"end":1053.02,"sentiment":"neutral","sentiment_score":0.139148036390543},{"text":"Are you wanting to maybe sell one or two of them off if it's preferable?","start":1053.5449,"end":1057.085,"sentiment":"neutral","sentiment_score":0.06681919222076733}],"sentiment":"neutral","sentiment_score":0.1709095085568634,"num_words":81,"start":1033.195,"end":1057.085},{"sentences":[{"text":"Do you, you know, do you wanna what does financial freedom look to you was another really good question as well.","start":1058.105,"end":1063.145,"sentiment":"neutral","sentiment_score":0.13257371598765963},{"text":"So is it that you wanna, in the next ten years, have enough wealth beside you that you have the option to stop working full time, or do you just wanna sort of be able to maybe supplement half your income?","start":1063.145,"end":1074.88,"sentiment":"neutral","sentiment_score":0.15307640066234077},{"text":"What what that financial freedom kinda looks like to you and each of you and or both of you together, if that makes sense?","start":1075.26,"end":1081.6,"sentiment":"neutral","sentiment_score":0.2906533187876145},{"text":"Yeah.","start":1084.035,"end":1084.515,"sentiment":"neutral","sentiment_score":0.05456336960196495},{"text":"Sorry.","start":1084.515,"end":1084.835,"sentiment":"neutral","sentiment_score":0.01112368330359459}],"sentiment":"neutral","sentiment_score":0.1829721268943765,"num_words":88,"start":1058.105,"end":1084.835},{"sentences":[{"text":"All these conversations end up with, like, a lot more questions, and I do apologize.","start":1084.835,"end":1089.255,"sentiment":"neutral","sentiment_score":0.014833323843777179},{"text":"And and one thing I do sort of find, especially when we are talking, like, I'll do the advice to you, but a lot of this can affect Yanni as well, so it might be worth having that conversation with him.","start":1092.115,"end":1101.4199,"sentiment":"neutral","sentiment_score":0.18640935221096364},{"text":"But sometimes when you both sort of sit down and work out what your go goals are versus his, there can be a bit of a difference.","start":1101.96,"end":1108.28,"sentiment":"neutral","sentiment_score":0.1173339174301536},{"text":"So then coming to you and you're right.","start":1108.28,"end":1109.72,"sentiment":"neutral","sentiment_score":0.23000525124371052},{"text":"Well, this is what I wanna achieve.","start":1109.72,"end":1111.4199,"sentiment":"positive","sentiment_score":0.4640506250517709}],"sentiment":"neutral","sentiment_score":0.16450709647175912,"num_words":98,"start":1084.835,"end":1111.4199},{"sentences":[{"text":"What do you want?","start":1111.595,"end":1112.655,"sentiment":"positive","sentiment_score":0.37990396469831467},{"text":"And is there a middle ground we'd both be fairly comfortable with as well?","start":1112.715,"end":1116.235,"sentiment":"neutral","sentiment_score":0.24163167072193964},{"text":"Because it is really very common where you sort of sit down with couples, and they both have very different goals, and it's just about working at that middle ground with what's comfortable for both of you, if that makes sense.","start":1116.235,"end":1127.215,"sentiment":"neutral","sentiment_score":0.19891601364787032},{"text":"Yeah.","start":1129.2301,"end":1129.7301,"sentiment":"neutral","sentiment_score":0.18129391968250275},{"text":"Good.","start":1131.31,"end":1131.81,"sentiment":"positive","sentiment_score":0.4352383315563202}],"sentiment":"neutral","sentiment_score":0.22417291901150688,"num_words":61,"start":1111.595,"end":1131.81},{"sentences":[{"text":"Yeah.","start":1132.27,"end":1132.77,"sentiment":"neutral","sentiment_score":0.2410207986831665},{"text":"Yep.","start":1140.125,"end":1140.625,"sentiment":"neutral","sentiment_score":0.10825489461421968},{"text":"Yep.","start":1143.245,"end":1143.325,"sentiment":"neutral","sentiment_score":0.10490314662456512},{"text":"Yep.","start":1143.325,"end":1143.825,"sentiment":"neutral","sentiment_score":0.06354795396327972},{"text":"Yeah.","start":1144.605,"end":1144.9249,"sentiment":"neutral","sentiment_score":0.05756581947207451}],"sentiment":"neutral","sentiment_score":0.1150585226714611,"num_words":5,"start":1132.27,"end":1144.9249},{"sentences":[{"text":"Do you want me to send you an email after the call breaking down some of those additional questions for you guys to think about?","start":1144.9249,"end":1151.005,"sentiment":"neutral","sentiment_score":0.05189878284931183},{"text":"Would that be easier?","start":1151.005,"end":1152.1449,"sentiment":"neutral","sentiment_score":0.07207607105374336},{"text":"Yeah.","start":1152.205,"end":1152.705,"sentiment":"neutral","sentiment_score":0.058533795177936554},{"text":"No.","start":1156.9601,"end":1157.28,"sentiment":"neutral","sentiment_score":0.05026796460151672},{"text":"You're absolutely fine.","start":1157.28,"end":1158.7201,"sentiment":"neutral","sentiment_score":0.14875125885009766}],"sentiment":"neutral","sentiment_score":0.0629655703463975,"num_words":34,"start":1144.9249,"end":1158.7201},{"sentences":[{"text":"But, no, look, honestly, this sounds like a really great plan to put together.","start":1158.7201,"end":1162.4,"sentiment":"positive","sentiment_score":0.5299756777073655},{"text":"I'm really excited to help you and kinda look at the next five to ten years and see, you know, where you are tracking and what we can do to help.","start":1162.4,"end":1168.915,"sentiment":"positive","sentiment_score":0.6576474433945071},{"text":"I do love that you read the email.","start":1169.135,"end":1171.2151,"sentiment":"positive","sentiment_score":0.6460096314549446},{"text":"I think that is fantastic.","start":1171.2151,"end":1172.515,"sentiment":"positive","sentiment_score":0.7345353960990906},{"text":"It definitely generated quite a bit of interest, and I think that's important because a lot of, yeah, a lot of people do just think we're here for super, and we're definitely not.","start":1173.6951,"end":1183.09,"sentiment":"neutral","sentiment_score":0.0202037442024007}],"sentiment":"positive","sentiment_score":0.41004623982359417,"num_words":91,"start":1158.7201,"end":1183.09},{"sentences":[{"text":"But as I kinda said to you, I will make sure because we're speaking about this now that currently, there's no fee for any advice outside of super.","start":1183.23,"end":1191.31,"sentiment":"neutral","sentiment_score":0.07931084731327635},{"text":"So we'll make sure that that is, you know, continues.","start":1191.31,"end":1193.765,"sentiment":"neutral","sentiment_score":0.15976964682340622},{"text":"Moving forward, they wanna charge a fee for, like, an upfront fee for implementing or providing advice around a property and things like that.","start":1194.9451,"end":1202.9451,"sentiment":"neutral","sentiment_score":0.07846406971414883},{"text":"But I'm gonna scrap that for you because we're having this conversation now, and that fee structure hasn't yet been placed in force.","start":1202.9451,"end":1209.4199,"sentiment":"neutral","sentiment_score":0.015030849340331295},{"text":"So you have that on a recorded line here, Sarah.","start":1209.4199,"end":1211.84,"sentiment":"neutral","sentiment_score":0.09875956475734711}],"sentiment":"neutral","sentiment_score":0.07405097945838382,"num_words":95,"start":1183.23,"end":1211.84},{"sentences":[{"text":"If there are any kind of investments that we do set up within, say, platforms like your super, we do charge an implementation and an ongoing fee for monitoring It is very much the same as your super 1.65%.","start":1214.78,"end":1227.365,"sentiment":"neutral","sentiment_score":0.13086844713259965},{"text":"We do tend to just take the balance and even the fee across both of them.","start":1228.0651,"end":1232.9451,"sentiment":"neutral","sentiment_score":0.212462255731225},{"text":"So they're pro rataed across the super and the investment side of things.","start":1232.9451,"end":1236.72,"sentiment":"neutral","sentiment_score":0.2116342164002932},{"text":"But I always as part of the advice, if that's the way we if that's the way you wanna kinda look with investing, I do kind of also show you that as part of the advice, do you get the option of taking it or not?","start":1237.52,"end":1248.0,"sentiment":"neutral","sentiment_score":0.09116815322119257},{"text":"It's completely up to you.","start":1248.0,"end":1249.475,"sentiment":"neutral","sentiment_score":0.07781530320644378}],"sentiment":"neutral","sentiment_score":0.1330867387166544,"num_words":119,"start":1214.78,"end":1249.475},{"sentences":[{"text":"But I just like to make sure I am being full, you know, transparent across the board with how the fee structure works and what, you know, what could be expected so you kind of know what you're walking into.","start":1250.095,"end":1260.755,"sentiment":"neutral","sentiment_score":0.2928910069167614},{"text":"But, yeah, I'm looking forward to putting this together.","start":1261.89,"end":1264.37,"sentiment":"positive","sentiment_score":0.6438568433125814},{"text":"I think this could be really great, and I really do enjoy, you know, putting the five year plan together.","start":1264.37,"end":1268.9501,"sentiment":"positive","sentiment_score":0.7720642983913422},{"text":"Did you are you comfortable just sort of scoping out the super side for the no.","start":1270.2101,"end":1275.085,"sentiment":"neutral","sentiment_score":0.1474169190041721},{"text":"Because you actually do wanna consider sorry.","start":1275.085,"end":1277.245,"sentiment":"neutral","sentiment_score":0.05881530046463013}],"sentiment":"positive","sentiment_score":0.38828277871336625,"num_words":92,"start":1250.095,"end":1277.245},{"sentences":[{"text":"You do wanna consider adding additional contributions as well as don't you if that's possible.","start":1277.245,"end":1281.985,"sentiment":"neutral","sentiment_score":0.07251515313982963},{"text":"Yeah.","start":1285.085,"end":1285.585,"sentiment":"neutral","sentiment_score":0.02796739526093006},{"text":"Yeah.","start":1288.94,"end":1289.44,"sentiment":"neutral","sentiment_score":0.022427035495638847},{"text":"Yeah.","start":1290.0599,"end":1290.5599,"sentiment":"neutral","sentiment_score":0.02736574225127697},{"text":"Yeah.","start":1297.02,"end":1297.52,"sentiment":"neutral","sentiment_score":0.12412549555301666}],"sentiment":"neutral","sentiment_score":0.06787436661359511,"num_words":19,"start":1277.245,"end":1297.52},{"sentences":[{"text":"Yes.","start":1299.675,"end":1300.175,"sentiment":"neutral","sentiment_score":0.0640806034207344},{"text":"Yeah.","start":1303.035,"end":1303.535,"sentiment":"neutral","sentiment_score":0.2127763628959656},{"text":"Yeah.","start":1303.595,"end":1303.915,"sentiment":"neutral","sentiment_score":0.24501365423202515},{"text":"And that was kind of the one thing we did talk about with before was just starting small, letting you see the difference in your budget, and then getting comfortable while increasing that down the track as well.","start":1303.915,"end":1314.86,"sentiment":"neutral","sentiment_score":0.2559897472199641},{"text":"So, yeah, absolutely.","start":1314.86,"end":1315.9199,"sentiment":"positive","sentiment_score":0.5189222097396851}],"sentiment":"neutral","sentiment_score":0.26832381009378214,"num_words":44,"start":1299.675,"end":1315.9199},{"sentences":[{"text":"I love the idea of building on that and increasing it when you are comfortable to do so.","start":1316.5399,"end":1321.0399,"sentiment":"positive","sentiment_score":0.6747725407282511},{"text":"And it is the difference in tax.","start":1321.34,"end":1323.675,"sentiment":"neutral","sentiment_score":0.2529251149722508},{"text":"So instead of your marginal tax rate, that money is being taxed at 15%.","start":1323.755,"end":1327.8551,"sentiment":"neutral","sentiment_score":0.22776107702936446},{"text":"And because that's a pretax, it's a pretax deduction that comes out of your income, you're essentially not losing the full $50.","start":1328.7151,"end":1336.555,"sentiment":"neutral","sentiment_score":0.31656896661628375},{"text":"It's only that 34 on a fortnightly basis.","start":1336.555,"end":1339.6,"sentiment":"neutral","sentiment_score":0.16844786517322063}],"sentiment":"positive","sentiment_score":0.3683643014966578,"num_words":69,"start":1316.5399,"end":1339.6},{"sentences":[{"text":"So that's fantastic.","start":1339.6,"end":1340.58,"sentiment":"positive","sentiment_score":0.6700720389684042},{"text":"Yeah.","start":1341.12,"end":1341.62,"sentiment":"neutral","sentiment_score":0.31110939383506775},{"text":"Excellent.","start":1341.92,"end":1342.42,"sentiment":"positive","sentiment_score":0.483907550573349},{"text":"And it's yeah.","start":1343.36,"end":1347.7,"sentiment":"neutral","sentiment_score":0.10185946462055047},{"text":"No.","start":1350.48,"end":1350.8,"sentiment":"neutral","sentiment_score":0.03780624642968178}],"sentiment":"positive","sentiment_score":0.3498464112894403,"num_words":9,"start":1339.6,"end":1350.8},{"sentences":[{"text":"Absolutely.","start":1350.8,"end":1351.3,"sentiment":"neutral","sentiment_score":0.2784184217453003},{"text":"That I love that.","start":1351.76,"end":1352.56,"sentiment":"positive","sentiment_score":0.5469168722629547},{"text":"That's fantastic.","start":1352.56,"end":1353.3,"sentiment":"positive","sentiment_score":0.7367555201053619},{"text":"Now you also mentioned to me that you do have a bit of a budget that you do as well that you just sort of need to update and rejig with any changes.","start":1354.585,"end":1362.125,"sentiment":"neutral","sentiment_score":0.07798198779875581},{"text":"Do you do have when was the last time you kinda looked at your budget plan and redid your budget?","start":1362.505,"end":1367.4049,"sentiment":"neutral","sentiment_score":0.005445493618026376}],"sentiment":"neutral","sentiment_score":0.11036520701212188,"num_words":60,"start":1350.8,"end":1367.4049},{"sentences":[{"text":"Yep.","start":1372.14,"end":1372.64,"sentiment":"neutral","sentiment_score":-0.03858066350221634},{"text":"Yeah.","start":1382.235,"end":1382.735,"sentiment":"neutral","sentiment_score":-0.021246079355478287},{"text":"Yeah.","start":1383.6749,"end":1384.1749,"sentiment":"neutral","sentiment_score":-0.016391897574067116},{"text":"Yep.","start":1400.33,"end":1400.83,"sentiment":"neutral","sentiment_score":-0.03187825530767441},{"text":"Yeah.","start":1404.825,"end":1405.325,"sentiment":"neutral","sentiment_score":-0.04155920445919037}],"sentiment":"neutral","sentiment_score":-0.029931220039725304,"num_words":5,"start":1372.14,"end":1405.325},{"sentences":[{"text":"Okay.","start":1409.705,"end":1410.205,"sentiment":"neutral","sentiment_score":-0.010272408835589886},{"text":"Yep.","start":1415.88,"end":1416.36,"sentiment":"neutral","sentiment_score":0.0216368418186903},{"text":"Yep.","start":1416.36,"end":1416.6,"sentiment":"neutral","sentiment_score":-0.0337478406727314},{"text":"And this is sort of go through the fine tooth comb and highlight all the things and add them up and get a bit more of a a clearer view.","start":1416.6,"end":1423.8201,"sentiment":"neutral","sentiment_score":0.11297965968648592},{"text":"Yep.","start":1423.88,"end":1424.38,"sentiment":"neutral","sentiment_score":0.120863638818264}],"sentiment":"neutral","sentiment_score":0.10258441240362384,"num_words":34,"start":1409.705,"end":1424.38},{"sentences":[{"text":"That's fantastic.","start":1433.8151,"end":1434.795,"sentiment":"positive","sentiment_score":0.6982901692390442},{"text":"Yeah.","start":1439.5751,"end":1440.0751,"sentiment":"neutral","sentiment_score":0.002734198234975338},{"text":"Yeah.","start":1451.08,"end":1451.58,"sentiment":"neutral","sentiment_score":0.01089658122509718},{"text":"Yes.","start":1457.255,"end":1457.755,"sentiment":"neutral","sentiment_score":0.07190162688493729},{"text":"Yep.","start":1461.815,"end":1462.295,"sentiment":"neutral","sentiment_score":0.11053796857595444}],"sentiment":"neutral","sentiment_score":0.26544178556650877,"num_words":6,"start":1433.8151,"end":1462.295},{"sentences":[{"text":"Yeah.","start":1462.295,"end":1462.695,"sentiment":"neutral","sentiment_score":0.2080969512462616},{"text":"Absolutely.","start":1462.695,"end":1463.195,"sentiment":"positive","sentiment_score":0.35308027267456055},{"text":"I mean, I'm so excited for that.","start":1463.895,"end":1465.495,"sentiment":"positive","sentiment_score":0.5561924236161369},{"text":"That is fantastic and very exciting for you.","start":1465.495,"end":1468.63,"sentiment":"positive","sentiment_score":0.7446625009179115},{"text":"I with that, are you would you be then willing wanting to sort of take that twelve month maternity leave off, and will that affect your cash flow, or are you sort of wanting to have enough savings aside to give you a bit of a buffer at that point as well if that is in, say, one to two years?","start":1469.89,"end":1487.545,"sentiment":"neutral","sentiment_score":0.04511921556635958}],"sentiment":"neutral","sentiment_score":0.16877046597596163,"num_words":78,"start":1462.295,"end":1487.545},{"sentences":[{"text":"Mhmm.","start":1500.8201,"end":1501.3201,"sentiment":"neutral","sentiment_score":0.0321580246090889},{"text":"Yep.","start":1503.2201,"end":1503.555,"sentiment":"neutral","sentiment_score":0.0382300466299057},{"text":"Yes.","start":1511.3151,"end":1511.8151,"sentiment":"neutral","sentiment_score":0.0587875172495842},{"text":"Yes.","start":1516.61,"end":1517.11,"sentiment":"neutral","sentiment_score":0.04274021089076996},{"text":"Yes.","start":1520.21,"end":1520.71,"sentiment":"neutral","sentiment_score":0.056596219539642334}],"sentiment":"neutral","sentiment_score":0.045702403783798216,"num_words":5,"start":1500.8201,"end":1520.71},{"sentences":[{"text":"Yeah.","start":1534.385,"end":1534.705,"sentiment":"neutral","sentiment_score":0.050883080810308456},{"text":"And how's he going with the job hunt at the moment?","start":1534.705,"end":1537.125,"sentiment":"neutral","sentiment_score":0.04120890288190408},{"text":"Is anything sort of popping up, or he's still looking?","start":1537.1849,"end":1540.725,"sentiment":"neutral","sentiment_score":-0.021612485684454442},{"text":"Yep.","start":1550.36,"end":1550.86,"sentiment":"neutral","sentiment_score":0.18346849083900452},{"text":"Yep.","start":1556.2151,"end":1556.7151,"sentiment":"neutral","sentiment_score":0.042726874351501465}],"sentiment":"neutral","sentiment_score":0.021427146702383954,"num_words":24,"start":1534.385,"end":1556.7151},{"sentences":[{"text":"Yep.","start":1556.935,"end":1557.435,"sentiment":"neutral","sentiment_score":-0.020804258063435555},{"text":"Yeah.","start":1562.8551,"end":1563.3351,"sentiment":"neutral","sentiment_score":-0.02814500220119953},{"text":"Wow.","start":1563.3351,"end":1563.8351,"sentiment":"neutral","sentiment_score":-0.047109924256801605},{"text":"Yeah.","start":1580.8049,"end":1581.2849,"sentiment":"neutral","sentiment_score":-0.00943559966981411},{"text":"Yeah.","start":1581.2849,"end":1581.6849,"sentiment":"neutral","sentiment_score":0.005843089893460274}],"sentiment":"neutral","sentiment_score":-0.019930338859558104,"num_words":5,"start":1556.935,"end":1581.6849},{"sentences":[{"text":"You think with work cover, they'd be trying to get it sorted.","start":1581.6849,"end":1584.345,"sentiment":"neutral","sentiment_score":-0.028436528829236824},{"text":"Yes.","start":1588.4049,"end":1588.9049,"sentiment":"neutral","sentiment_score":0.013568080961704254},{"text":"Right.","start":1595.22,"end":1595.7,"sentiment":"neutral","sentiment_score":0.019545018672943115},{"text":"Okay.","start":1595.7,"end":1596.2,"sentiment":"neutral","sentiment_score":0.01298061665147543},{"text":"Yeah.","start":1604.675,"end":1605.175,"sentiment":"neutral","sentiment_score":0.01638597995042801}],"sentiment":"neutral","sentiment_score":-0.017422415607143193,"num_words":16,"start":1581.6849,"end":1605.175},{"sentences":[{"text":"Okay.","start":1605.395,"end":1605.875,"sentiment":"neutral","sentiment_score":0.024889256805181503},{"text":"Well, hopefully, that all comes up fairly soon for you.","start":1605.875,"end":1608.9349,"sentiment":"neutral","sentiment_score":0.04344223663210869},{"text":"Yeah.","start":1609.635,"end":1610.135,"sentiment":"neutral","sentiment_score":0.12337598949670792},{"text":"Sounds good.","start":1610.4349,"end":1611.315,"sentiment":"positive","sentiment_score":0.35001207888126373},{"text":"It sounds like he's ready to go back to work as well.","start":1611.315,"end":1614.4349,"sentiment":"neutral","sentiment_score":0.12802979179347554}],"sentiment":"neutral","sentiment_score":0.1084257412272004,"num_words":26,"start":1605.395,"end":1614.4349},{"sentences":[{"text":"It can take a lot.","start":1614.4349,"end":1615.815,"sentiment":"neutral","sentiment_score":-0.16349663138389586},{"text":"Yeah.","start":1616.035,"end":1616.535,"sentiment":"neutral","sentiment_score":-0.1438867747783661},{"text":"Oh, understandable.","start":1619.4401,"end":1620.9,"sentiment":"neutral","sentiment_score":-0.04337380267679691},{"text":"No.","start":1621.4401,"end":1621.68,"sentiment":"neutral","sentiment_score":-0.1020173579454422},{"text":"Absolutely.","start":1621.68,"end":1622.18,"sentiment":"neutral","sentiment_score":-0.03246729075908661}],"sentiment":"neutral","sentiment_score":-0.1182602185755968,"num_words":10,"start":1614.4349,"end":1622.18},{"sentences":[{"text":"And so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently?","start":1622.32,"end":1630.1,"sentiment":"neutral","sentiment_score":-0.0236014389536447},{"text":"Yep.","start":1633.605,"end":1634.105,"sentiment":"neutral","sentiment_score":0.058725930750370026},{"text":"Okay.","start":1634.165,"end":1634.665,"sentiment":"neutral","sentiment_score":0.06639160215854645},{"text":"If it goes ahead.","start":1637.6849,"end":1638.645,"sentiment":"neutral","sentiment_score":0.07815635204315186},{"text":"Yeah.","start":1638.645,"end":1638.965,"sentiment":"neutral","sentiment_score":0.03868507221341133}],"sentiment":"neutral","sentiment_score":-0.00867962300084358,"num_words":43,"start":1622.32,"end":1638.965},{"sentences":[{"text":"No.","start":1638.965,"end":1639.205,"sentiment":"neutral","sentiment_score":0.01647191122174263},{"text":"Absolutely.","start":1639.205,"end":1639.705,"sentiment":"neutral","sentiment_score":0.2261052429676056},{"text":"Fantastic.","start":1640.245,"end":1640.745,"sentiment":"neutral","sentiment_score":0.050581786781549454},{"text":"Well, I think I think we're definitely on the right track with things.","start":1641.365,"end":1645.5139,"sentiment":"positive","sentiment_score":0.5471171736717224},{"text":"We'll definitely need to come back and just maybe have that conversation when we know what's happening with the property.","start":1645.5139,"end":1648.79,"sentiment":"neutral","sentiment_score":0.28717019893229007}],"sentiment":"positive","sentiment_score":0.36525239381525254,"num_words":36,"start":1638.965,"end":1648.79},{"sentences":[{"text":"If you if you happen to get guidance or you make a decision earlier than the current time frame you have, let us know.","start":1649.41,"end":1656.765,"sentiment":"neutral","sentiment_score":0.09545012501378854},{"text":"We can book you back in, and we can continue the conversation and really not out what you know, get the plan moving.","start":1656.845,"end":1663.105,"sentiment":"neutral","sentiment_score":0.17595932017201962},{"text":"But I think just because it is encompassing your whole circumstances for the both of you, it is definitely worth coming back and looking at everything once we know exactly what's happening with the property.","start":1663.5651,"end":1673.2899,"sentiment":"neutral","sentiment_score":0.21397754166807448},{"text":"That way the plan is in your best interest and doesn't have to be changed really quickly in the next few months.","start":1673.35,"end":1678.33,"sentiment":"neutral","sentiment_score":0.27961156314069574},{"text":"And definitely with the both of you, with yourself and Yanni to make sure that it is, you know, encompassing both of your circumstances because it does affect both of you at the end of the day.","start":1678.71,"end":1688.4099,"sentiment":"neutral","sentiment_score":0.16675579749249123}],"sentiment":"neutral","sentiment_score":0.18545035616303165,"num_words":141,"start":1649.41,"end":1688.4099},{"sentences":[{"text":"If you like, I will send out an email to you shortly just with maybe any additional questions I might have that we haven't touched on or if anything comes up by things of.","start":1689.0449,"end":1696.985,"sentiment":"neutral","sentiment_score":0.12513742990353527},{"text":"And just with a couple of things for you to sort of talk about, look at your goals long term, some things that you guys can maybe not over.","start":1697.845,"end":1705.51,"sentiment":"neutral","sentiment_score":0.05259427441091373},{"text":"And, yeah, if you wanted to maybe, when we get closer to that call, send me through a copy of your budget planner, that would definitely help with looking at what your expendable income looks like and when money is definitely coming and going if that helps.","start":1705.73,"end":1717.985,"sentiment":"neutral","sentiment_score":0.10792114165552119},{"text":"Is that okay?","start":1717.985,"end":1718.885,"sentiment":"neutral","sentiment_score":0.09953068693478902},{"text":"Yep.","start":1720.865,"end":1721.365,"sentiment":"neutral","sentiment_score":0.09773300588130952}],"sentiment":"neutral","sentiment_score":0.09867127455378834,"num_words":114,"start":1689.0449,"end":1721.365},{"sentences":[{"text":"Beautiful.","start":1724.225,"end":1724.725,"sentiment":"positive","sentiment_score":0.6014451384544373},{"text":"Lovely.","start":1724.785,"end":1725.185,"sentiment":"positive","sentiment_score":0.5907878875732422},{"text":"And we'll set up Sarah's road map.","start":1725.185,"end":1726.865,"sentiment":"positive","sentiment_score":0.3473415119307382},{"text":"This is gonna be Sarah and Yanni's five year plan, so we'll we'll call it that.","start":1726.865,"end":1731.88,"sentiment":"neutral","sentiment_score":0.2241774220019579},{"text":"No.","start":1735.54,"end":1735.78,"sentiment":"neutral","sentiment_score":0.26699742674827576}],"sentiment":"neutral","sentiment_score":0.2875946072431711,"num_words":26,"start":1724.225,"end":1735.78},{"sentences":[{"text":"Excellent.","start":1735.78,"end":1736.28,"sentiment":"positive","sentiment_score":0.5451228618621826},{"text":"I'm really happy that that you reached out to look at doing this.","start":1736.3401,"end":1739.06,"sentiment":"positive","sentiment_score":0.6961478728514451},{"text":"This is something that I love, and I definitely wanna help both of you along the way.","start":1739.06,"end":1743.545,"sentiment":"positive","sentiment_score":0.7064870666055119},{"text":"I know I have been speaking with Yanni about his side of things.","start":1743.545,"end":1746.525,"sentiment":"neutral","sentiment_score":0.110385712236166},{"text":"We are unable to proceed to yeah.","start":1746.665,"end":1748.905,"sentiment":"neutral","sentiment_score":-0.0702084185156439}],"sentiment":"positive","sentiment_score":0.4421349151114769,"num_words":51,"start":1735.78,"end":1748.905},{"sentences":[{"text":"We're unable to sorry.","start":1748.905,"end":1751.145,"sentiment":"neutral","sentiment_score":-0.156479112803936},{"text":"Help with advice around a lot of his stuff at the moment just because he is in the process of looking for work and, again, just making sure that he's able to get that job and that sort of encompasses his circumstances.","start":1751.145,"end":1762.8201,"sentiment":"neutral","sentiment_score":-0.007923749186808155},{"text":"But like I said to him, it's not a no.","start":1763.12,"end":1765.36,"sentiment":"neutral","sentiment_score":-0.12970734238624573},{"text":"It's just a not now.","start":1765.36,"end":1766.4,"sentiment":"neutral","sentiment_score":-0.1562328666448593},{"text":"Let's do everything in best interest.","start":1766.4,"end":1768.3201,"sentiment":"neutral","sentiment_score":-0.007162385309735934}],"sentiment":"neutral","sentiment_score":-0.045969044567266505,"num_words":67,"start":1748.905,"end":1768.3201},{"sentences":[{"text":"We don't wanna provide some advice and then find it's no longer in best interest, so we need to go back and readjust everything.","start":1768.3201,"end":1774.8351,"sentiment":"neutral","sentiment_score":-0.1529874869932731},{"text":"I do like to make sure that everything is in your best interest.","start":1775.375,"end":1778.495,"sentiment":"neutral","sentiment_score":0.060491020003190406},{"text":"And sometimes going a little bit slower with the plan is really perfect.","start":1778.495,"end":1782.255,"sentiment":"neutral","sentiment_score":-0.2636490177649718},{"text":"If we rush it, it could be detrimental to both of you.","start":1782.255,"end":1786.36,"sentiment":"negative","sentiment_score":-0.3565807913740476},{"text":"So I do like to make sure that that is how I do my job and that I'm working.","start":1786.66,"end":1791.78,"sentiment":"neutral","sentiment_score":0.13217785993688985}],"sentiment":"neutral","sentiment_score":-0.09975733106702935,"num_words":81,"start":1768.3201,"end":1791.78},{"sentences":[{"text":"It's just a lot of money.","start":1791.78,"end":1792.74,"sentiment":"neutral","sentiment_score":0.09013090158502261},{"text":"This is your this is your goals, and this is really important to get right.","start":1792.74,"end":1796.92,"sentiment":"neutral","sentiment_score":0.07186037388940653},{"text":"So yeah.","start":1796.98,"end":1798.28,"sentiment":"neutral","sentiment_score":0.0474936394020915},{"text":"Yeah.","start":1800.4651,"end":1800.9651,"sentiment":"positive","sentiment_score":0.42193174362182617},{"text":"That's okay.","start":1802.305,"end":1803.1051,"sentiment":"neutral","sentiment_score":0.2972007095813751}],"sentiment":"neutral","sentiment_score":0.10500044074769203,"num_words":26,"start":1791.78,"end":1803.1051},{"sentences":[{"text":"I'll send that email out shortly.","start":1803.1051,"end":1804.865,"sentiment":"neutral","sentiment_score":0.16858126719792685},{"text":"If anything else comes up or any other questions pop up or you want some additional information, let me know.","start":1804.865,"end":1810.165,"sentiment":"neutral","sentiment_score":0.12051420286297798},{"text":"At this point, you mentioned this is all supposed to happen around about September.","start":1810.785,"end":1814.5599,"sentiment":"neutral","sentiment_score":0.020969123047377383},{"text":"Is that right?","start":1814.7,"end":1815.6,"sentiment":"neutral","sentiment_score":0.03911162540316582},{"text":"Yep.","start":1821.5,"end":1822.0,"sentiment":"neutral","sentiment_score":0.12185919284820557}],"sentiment":"neutral","sentiment_score":0.08987576027654788,"num_words":44,"start":1803.1051,"end":1822.0},{"sentences":[{"text":"Okay.","start":1831.755,"end":1832.235,"sentiment":"neutral","sentiment_score":0.026739807799458504},{"text":"When do you think you'll understand the construction loan and have all of that sort of ready to go?","start":1832.235,"end":1837.6749,"sentiment":"neutral","sentiment_score":0.03303066974407748},{"text":"When what sort of time frame do you estimate for that?","start":1837.6749,"end":1840.52,"sentiment":"neutral","sentiment_score":0.0030164954845200887},{"text":"Yep.","start":1847.22,"end":1847.72,"sentiment":"neutral","sentiment_score":0.02190709114074707},{"text":"Okay.","start":1855.155,"end":1855.5549,"sentiment":"neutral","sentiment_score":0.03342793881893158}],"sentiment":"neutral","sentiment_score":0.022510273128070614,"num_words":33,"start":1831.755,"end":1855.5549},{"sentences":[{"text":"Yep.","start":1855.5549,"end":1855.955,"sentiment":"neutral","sentiment_score":0.03346836566925049},{"text":"No.","start":1855.955,"end":1856.195,"sentiment":"neutral","sentiment_score":0.03788238763809204},{"text":"That's okay.","start":1856.195,"end":1856.835,"sentiment":"neutral","sentiment_score":0.06832865998148918},{"text":"Not a problem.","start":1856.835,"end":1857.315,"sentiment":"neutral","sentiment_score":0.13038219263156256},{"text":"Well, if it's okay, what I'll do is I might get Samantha just to give you a buzz.","start":1857.315,"end":1860.515,"sentiment":"neutral","sentiment_score":0.09479865059256554}],"sentiment":"neutral","sentiment_score":0.09222121447324753,"num_words":25,"start":1855.5549,"end":1860.515},{"sentences":[{"text":"She's my admin team member around about the September 16 to see how everything's going with the settlement side of things and just to sort of touch base on how the loan and the construction side of things is going as well just so we can really understand when we provide the advice exactly what the loan's supposed to look like, how long that construction is supposed to take, and what your loan payments and draw downs and things look like.","start":1860.515,"end":1882.315,"sentiment":"neutral","sentiment_score":0.024642343469033087},{"text":"Because construction loans are fun, and they have stages.","start":1882.315,"end":1885.375,"sentiment":"neutral","sentiment_score":0.02160929391781489},{"text":"Or if you decide to pull out and decide not to go down that route, let us know earlier.","start":1889.835,"end":1894.5901,"sentiment":"neutral","sentiment_score":-0.047545613819047025},{"text":"But then we can kinda go from there and work out when we when we have that next conversation.","start":1895.3701,"end":1899.7101,"sentiment":"neutral","sentiment_score":0.05065659041467466},{"text":"Is does that sound okay?","start":1899.8501,"end":1901.15,"sentiment":"neutral","sentiment_score":0.07298745661973953}],"sentiment":"neutral","sentiment_score":0.019658340636598774,"num_words":133,"start":1860.515,"end":1901.15},{"sentences":[{"text":"Yep.","start":1902.7301,"end":1903.125,"sentiment":"positive","sentiment_score":0.3863597810268402},{"text":"Beautiful.","start":1903.365,"end":1903.865,"sentiment":"positive","sentiment_score":0.7116600275039673},{"text":"All good.","start":1903.925,"end":1904.645,"sentiment":"positive","sentiment_score":0.6172216832637787},{"text":"And, look, in the meantime, if anything else comes up or you change your plans or if you just wanna, you know, have more of a conversation around it, let me know.","start":1904.645,"end":1912.245,"sentiment":"neutral","sentiment_score":0.11816789233125746},{"text":"I'm more than happy to sort of adjust the time frame.","start":1912.245,"end":1914.745,"sentiment":"positive","sentiment_score":0.4311232946135781}],"sentiment":"neutral","sentiment_score":0.2309828078810205,"num_words":47,"start":1902.7301,"end":1914.745},{"sentences":[{"text":"Just wanna make sure that we're not, you know, pushing everything through before it needs to happen and allow you to go through all the changes that you have coming up over the next few months.","start":1915.125,"end":1924.36,"sentiment":"neutral","sentiment_score":0.19960142547885576},{"text":"It sounds like a lot of things are occurring with the sale of property purchase of the new one possible with Janice's job.","start":1924.36,"end":1930.3,"sentiment":"neutral","sentiment_score":0.03995529222099677},{"text":"It's gonna be a busy few months.","start":1933.6051,"end":1935.525,"sentiment":"neutral","sentiment_score":0.05734853606138911},{"text":"Yeah.","start":1935.525,"end":1936.025,"sentiment":"neutral","sentiment_score":0.06116531044244766},{"text":"All good.","start":1937.925,"end":1939.4651,"sentiment":"positive","sentiment_score":0.35365118086338043}],"sentiment":"neutral","sentiment_score":0.13441348496986472,"num_words":69,"start":1915.125,"end":1939.4651},{"sentences":[{"text":"Are you expecting any kind of pay rise as well coming up over the next few months, do you think?","start":1939.525,"end":1944.645,"sentiment":"neutral","sentiment_score":0.049895172379910945},{"text":"Or mhmm.","start":1944.645,"end":1953.44,"sentiment":"neutral","sentiment_score":0.015937310410663486},{"text":"Okay.","start":1953.44,"end":1953.94,"sentiment":"neutral","sentiment_score":0.0018428890034556389},{"text":"Yep.","start":1959.695,"end":1960.195,"sentiment":"neutral","sentiment_score":0.049108438193798065},{"text":"Okay.","start":1962.495,"end":1962.995,"sentiment":"neutral","sentiment_score":0.21187324821949005}],"sentiment":"neutral","sentiment_score":0.051704105753451586,"num_words":25,"start":1939.525,"end":1962.995},{"sentences":[{"text":"Beautiful.","start":1963.2949,"end":1963.7949,"sentiment":"positive","sentiment_score":0.5850111246109009},{"text":"Lovely.","start":1964.095,"end":1964.595,"sentiment":"positive","sentiment_score":0.5556620359420776},{"text":"Well, what I'll do is I'll get Sammy to touch touch base around about September.","start":1964.895,"end":1968.995,"sentiment":"neutral","sentiment_score":0.0771757036447525},{"text":"We'll we'll sort of see where things are going and whether we kind of book in and go for the chat then or whether we just hold off a little bit longer to get the construction loan in place.","start":1969.3099,"end":1977.89,"sentiment":"neutral","sentiment_score":-0.006441917270421982},{"text":"But if if you find that that's too long, you wanna have that conversation beforehand, just email me.","start":1978.51,"end":1983.87,"sentiment":"neutral","sentiment_score":0.06298314883477157}],"sentiment":"neutral","sentiment_score":0.04298338676626618,"num_words":74,"start":1963.2949,"end":1983.87},{"sentences":[{"text":"You've got my details or give us a call, and we'll book you in to have that conversation.","start":1983.87,"end":1988.115,"sentiment":"neutral","sentiment_score":0.20249056650532615},{"text":"In the meantime, I'll keep touching base with Yani and see how things are going for him as well.","start":1988.1749,"end":1992.575,"sentiment":"positive","sentiment_score":0.34008021025281204},{"text":"Okay.","start":1992.575,"end":1993.075,"sentiment":"positive","sentiment_score":0.5254706144332886},{"text":"That's okay.","start":1996.095,"end":1996.8949,"sentiment":"positive","sentiment_score":0.6501317918300629},{"text":"Not a problem at all.","start":1996.8949,"end":1997.9349,"sentiment":"positive","sentiment_score":0.6822349905967713}],"sentiment":"positive","sentiment_score":0.3409614076217016,"num_words":45,"start":1983.87,"end":1997.9349},{"sentences":[{"text":"Looking forward to putting this together for you, Sarah.","start":1997.9349,"end":2000.0309,"sentiment":"positive","sentiment_score":0.8141262928644816},{"text":"Can't wait.","start":2000.0309,"end":2000.7709,"sentiment":"positive","sentiment_score":0.6967293918132782},{"text":"You too.","start":2003.4708,"end":2004.0309,"sentiment":"positive","sentiment_score":0.5656311511993408},{"text":"Thank you for your time.","start":2004.0309,"end":2005.1509,"sentiment":"positive","sentiment_score":0.7685995459556579},{"text":"See you later.","start":2005.1509,"end":2005.9708,"sentiment":"positive","sentiment_score":0.4968537787596385}],"sentiment":"positive","sentiment_score":0.7231150851363227,"num_words":21,"start":1997.9349,"end":2005.9708},{"sentences":[{"text":"Bye.","start":2006.6709,"end":2007.1709,"sentiment":"neutral","sentiment_score":-0.10552119463682176}],"sentiment":"neutral","sentiment_score":-0.10552119463682176,"num_words":1,"start":2006.6709,"end":2007.1709}]}}]},{"alternatives":[{"transcript":"Hello? Just hello? Good. How are you? Yeah. Perfect. Yeah. I don't see that. Just worked from pretty good. How's yours been? Oh, really busy. Okay. Yeah. Yeah. No problem. Mhmm. Yeah. So it's Sarah Bethany Bellen. 20 Dale 0 Crescent, Crabbard North. And what else is new? My date of birth. Twenty fourth of the second nineteen ninety two. Well, that's super ambitious of me. I would, yeah, I would say, like, maybe fifteen or twenty. But I would love to have, like, a five or ten year plan and kinda work towards it. Yeah. So I guess for me, I'm hoping to pay down or kind of redirect or do a bit of a budget and savings target to pay off some of the investment properties that we have, or we are in the middle of selling one of them and purchasing another. So it's just kind of working out, like, the best plan for that. Yeah. That that's what I was thinking. And, yeah, super as well. But I was hoping to maybe retire before 60, use some of the investment property, like, kinda have a plan for that. Mhmm. So we've secured the land and settled in is booked for the sixteenth of September of this year. All being well that due diligence goes through council, and council approves the plans. If they don't approve the plans, then we will withdraw from the contract because we only want it if we can build a certain type of home on there. Yeah. So all that going ahead, it'll happen in September. If not, we will withdraw. Yeah. Yeah. Yeah. I guess the plan first is to kind of hopefully secure this site and the build and all that to go ahead and then to kind of work on our principal place of residence. And then after that, start paying down the investment properties over time. Yes. You can leave it out. You know? Yes. Mhmm. Yeah. It makes sense. Mhmm. Yeah. That's alright. So we do have current we do currently have two investment properties, one in Queensland, one in Victoria, and then we have one principal place of residence in Victoria as well. So oh, okay. Yeah. You can add that one. Yeah. That's one we're looking to sell. That one's in my husband's name. Yeah. That's fine. So you've got my one, don't you? You've got my one my principal principal and my yeah. Yeah. Yeah. Yeah. Yep. Yep. Probably somewhere between 700 and $7.20 is the point. Yeah. Yes. What you could yeah. I think it's about 468,000. We just wanted to build a double story on the site and have at least three bedrooms. So if the council knock back and tell us that we have to have only two, then we'll we'll withdraw. Yeah. Not really. I think I was just if it doesn't go ahead, I think we were just gonna redirect the money into the principal place of residence and try and get that loan down. Yeah. Yeah. Yeah. Probably just as soon as we can in the next ten years would be great. Yep. Yes. I'm good. I think I'm happy to increase it more if there's room for it. I haven't I I've been asking Yani to see if we can go through the budget so that I can get a bit of an idea about how we can spend a little bit more because it's it looks like on paper that it's doing well, but I'm just not sure if if we're really in, like, a savings. As in we we do put away 250 a fortnight, both of us, do into a savings account. But I'm not sure if we're continuing to build enough savings is what I'm I just think we might need to do a bit of a better review of that. And if there's room for adding to Super, I would absolutely love to because I think it's a good option. That's right. That was so good. Yeah. Yeah. Of course. He's income. Yes. Yeah. Oh, yes. Okay. Oh, that's fine. If I was, I don't really know. I think I had originally thought about investing in shares, but it's just something I don't feel comfortable doing on my own. Like, I have no idea how to do it, and I'm just not skilled in I haven't done any research in it. So I feel like I'm the best person to be doing it, and it would probably stress me out. Okay. Yep. Yeah. We I think I was planning to sell off prior to retirement, but if it was better to keep it and use the rental income as, you know, supplement income, If we did manage to pay off the loans, then that's fine too. But I haven't modeled any of the plans there. I just know that there's equity there and that, you know, I'd probably end up selling and just paying capital gains. Yeah. Yeah. Yeah. Absolutely. We would keep it good. It's more just I hadn't really thought that much about the exit plan. I was just thinking, oh, this is a good as in much me working because it's just not really I can't quite get to that amount when I'm working as when I can as when I buy a property. Okay. Yeah. Oh, yeah. That makes sense. Yeah. No. That's that's good. Yeah. Yeah. Yeah. That sounds good. So I'll just ask him. Okay. So it was kind of like do we wanna part, retire? Do we wanna, you know, continue working? Do we wanna invest in super kind of where do we wanna live? Yeah. Oh, yeah. Yeah. Yeah. That'd be good. I'm trying to write it down, but I was like, oh, maybe I missed something. Yeah. Yeah. It's I did it. Oh, that's good. Yeah. Yes. Okay. Yes. Yeah. If it's possible, I just I think we started with 50 a fortnight just because I was a bit hesitant. But really not when I looked at it, my actual amount, I'm only getting paid, like, $34 less. So I think because I'm paying less tax, it's I'm really noticing that $50 extra in the fortnight. Yes. Yes. Yeah. Yeah. Yeah. Yes. I'm fine with that. I think it's better. And then I'm getting wasted on Yeah. Probably about six months ago, but the issue with me guessing the budget is that last time, it all looked really good, but Yanni's savings kind of went down more than I expected. So I think I don't actually I think I'm estimating, but when I when I I haven't actually pulled the numbers out of his. I haven't actually done his you know you know, when you, like, take your bank and you say, okay. This is how much percentage. As as in I've spent this on, you know, going out and this much on the movies and this much. I I just we just kind of estimated, but I think I underestimated. So I think what I'm gonna do next six months is actually pull a report that has his actual statement. Yeah. Yeah. Because I think it's more just about cash flow. We are planning to maybe try for a baby in the next, I don't know, six to twelve months. So Friday. Honestly, we can. I don't know. But in that in that is kind of why I'm trying to get the budget a little bit better because, yeah, he's still on work cover and needs to he's still looking for a job and all that. So it's more just will we be alright to start that process, or should I wait until he gets a job? But that's all I think with the budget. I can kind of work that out a bit more. Yeah. Yeah. That's what we were planning to do. I was planning to put aside I was hoping that we both would have, you know, kind of thirty to fifty k in buffer so that we are both okay, you know, for that process. Because if we do do this build, then I need loan repayments and all that until the until it's ready to rent out. So I've I've selected I need about 30,000 for the loan repayments in the interim between, you know, construction and build finalizing. And then so I'll need that. And then I was hoping to have about 30 to 50 each on top of that so that we're kind of that we'll still manage if Yanni still doesn't get a job trying to. Yeah. In WorkCover, I kind of taken charge of this role that they're kind of potentially offering him, but it's through Chisholm and it's like a mentoring program for him to be the trade school teacher that he's studying for. But it's not a really quick process. Like, this whole process has already taken eight months, and they're kind of going back and forth and saying, oh, you've gotta update this. You've gotta update that. Now we're gonna do a meet and greet. And it's like they're kinda saying it's his, but kind of just delaying it so long that we're kinda, like isn't it doesn't really a bit hard to navigate. Yeah. Yeah. But I think it'll have to I know. Especially because his work covers ending in November, so it's kind of like they have a KPI or something to get him into a job before then. But I think they'll probably push a bit harder closer to the time, but they're just kind of I'm trying to do a little bit here and there in the interim. And you're close. Yeah. Oh, he's desperate. Yeah. He's desperate. Poor thing. But yeah. Yeah. Yeah. That's in our both of our names together. If if it goes ahead. But yeah. Right. It'll be after September. Yeah. That's right. Mhmm. Alright. Of course. Yeah. Of course. Yeah. I'm hoping to get done in the next month or two. Yeah. That sounds so good. Oh, that's Sure. Oh, yep. Yep. Yes. Yes. Yeah. Yeah. That sounds good. Amazing. Well, that sounds great. Thanks so much. Mhmm. Yeah. Settlement for the land will happen September 16 if all goes well, and then we'll plan for the construction loan after the working drawings and engineering and everything's ready to go. I was thinking it would take probably another two months after settlement. So it'll probably be ready November maybe, but it might be earlier depending on how quick council come back. Yep. Mhmm. Mhmm. Yeah. That's right. Yeah. Yep. Yeah. Sounds good. Oh, yes. Yeah. Yeah. There's a few things. Right? This is exciting. Yeah. Yeah. Hopefully. Yeah. Sounds good. Oh, yes. In September, I will go up. Well, what do I got to? About a 100 and 11, I think. I think it's, like, maybe four. What am I currently on? $1.00 6, I think. So, yeah, it goes up 5,000 maybe for the year. Mhmm. Yeah. Sounds great. Alright. Thanks so much for your help. That's it. Thanks. Have a good night. Thanks. 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Just hello? Good. How are you? Yeah.\n\nPerfect. Yeah. I don't see that. Just worked from pretty good. How's yours been?\n\nOh, really busy. Okay. Yeah. Yeah. No problem.\n\nMhmm. Yeah. So it's Sarah Bethany Bellen. 20 Dale 0 Crescent, Crabbard North. And what else is new?\n\nMy date of birth. Twenty fourth of the second nineteen ninety two. Well, that's super ambitious of me. I would, yeah, I would say, like, maybe fifteen or twenty. But I would love to have, like, a five or ten year plan and kinda work towards it.\n\nYeah. So I guess for me, I'm hoping to pay down or kind of redirect or do a bit of a budget and savings target to pay off some of the investment properties that we have, or we are in the middle of selling one of them and purchasing another. So it's just kind of working out, like, the best plan for that. Yeah. That that's what I was thinking.\n\nAnd, yeah, super as well. But I was hoping to maybe retire before 60, use some of the investment property, like, kinda have a plan for that. Mhmm. So we've secured the land and settled in is booked for the sixteenth of September of this year. All being well that due diligence goes through council, and council approves the plans.\n\nIf they don't approve the plans, then we will withdraw from the contract because we only want it if we can build a certain type of home on there. Yeah. So all that going ahead, it'll happen in September. If not, we will withdraw. Yeah.\n\nYeah. Yeah. I guess the plan first is to kind of hopefully secure this site and the build and all that to go ahead and then to kind of work on our principal place of residence. And then after that, start paying down the investment properties over time. Yes.\n\nYou can leave it out. You know? Yes. Mhmm. Yeah.\n\nIt makes sense. Mhmm. Yeah. That's alright. So we do have current we do currently have two investment properties, one in Queensland, one in Victoria, and then we have one principal place of residence in Victoria as well.\n\nSo oh, okay. Yeah. You can add that one. Yeah. That's one we're looking to sell.\n\nThat one's in my husband's name. Yeah. That's fine. So you've got my one, don't you? You've got my one my principal principal and my yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nProbably somewhere between 700 and $7.20 is the point. Yeah. Yes. What you could yeah. I think it's about 468,000.\n\nWe just wanted to build a double story on the site and have at least three bedrooms. So if the council knock back and tell us that we have to have only two, then we'll we'll withdraw. Yeah. Not really. I think I was just if it doesn't go ahead, I think we were just gonna redirect the money into the principal place of residence and try and get that loan down.\n\nYeah. Yeah. Yeah. Probably just as soon as we can in the next ten years would be great. Yep.\n\nYes. I'm good. I think I'm happy to increase it more if there's room for it. I haven't I I've been asking Yani to see if we can go through the budget so that I can get a bit of an idea about how we can spend a little bit more because it's it looks like on paper that it's doing well, but I'm just not sure if if we're really in, like, a savings. As in we we do put away 250 a fortnight, both of us, do into a savings account.\n\nBut I'm not sure if we're continuing to build enough savings is what I'm I just think we might need to do a bit of a better review of that. And if there's room for adding to Super, I would absolutely love to because I think it's a good option. That's right. That was so good. Yeah.\n\nYeah. Of course. He's income. Yes. Yeah.\n\nOh, yes. Okay. Oh, that's fine. If I was, I don't really know. I think I had originally thought about investing in shares, but it's just something I don't feel comfortable doing on my own.\n\nLike, I have no idea how to do it, and I'm just not skilled in I haven't done any research in it. So I feel like I'm the best person to be doing it, and it would probably stress me out. Okay. Yep. Yeah.\n\nWe I think I was planning to sell off prior to retirement, but if it was better to keep it and use the rental income as, you know, supplement income, If we did manage to pay off the loans, then that's fine too. But I haven't modeled any of the plans there. I just know that there's equity there and that, you know, I'd probably end up selling and just paying capital gains. Yeah. Yeah.\n\nYeah. Absolutely. We would keep it good. It's more just I hadn't really thought that much about the exit plan. I was just thinking, oh, this is a good as in much me working because it's just not really I can't quite get to that amount when I'm working as when I can as when I buy a property.\n\nOkay. Yeah. Oh, yeah. That makes sense. Yeah.\n\nNo. That's that's good. Yeah. Yeah. Yeah.\n\nThat sounds good. So I'll just ask him. Okay. So it was kind of like do we wanna part, retire? Do we wanna, you know, continue working?\n\nDo we wanna invest in super kind of where do we wanna live? Yeah. Oh, yeah. Yeah. Yeah.\n\nThat'd be good. I'm trying to write it down, but I was like, oh, maybe I missed something. Yeah. Yeah. It's I did it.\n\nOh, that's good. Yeah. Yes. Okay. Yes.\n\nYeah. If it's possible, I just I think we started with 50 a fortnight just because I was a bit hesitant. But really not when I looked at it, my actual amount, I'm only getting paid, like, $34 less. So I think because I'm paying less tax, it's I'm really noticing that $50 extra in the fortnight. Yes.\n\nYes. Yeah. Yeah. Yeah. Yes.\n\nI'm fine with that. I think it's better. And then I'm getting wasted on Yeah. Probably about six months ago, but the issue with me guessing the budget is that last time, it all looked really good, but Yanni's savings kind of went down more than I expected. So I think I don't actually I think I'm estimating, but when I when I I haven't actually pulled the numbers out of his.\n\nI haven't actually done his you know you know, when you, like, take your bank and you say, okay. This is how much percentage. As as in I've spent this on, you know, going out and this much on the movies and this much. I I just we just kind of estimated, but I think I underestimated. So I think what I'm gonna do next six months is actually pull a report that has his actual statement.\n\nYeah. Yeah. Because I think it's more just about cash flow. We are planning to maybe try for a baby in the next, I don't know, six to twelve months. So Friday.\n\nHonestly, we can. I don't know. But in that in that is kind of why I'm trying to get the budget a little bit better because, yeah, he's still on work cover and needs to he's still looking for a job and all that. So it's more just will we be alright to start that process, or should I wait until he gets a job? But that's all I think with the budget.\n\nI can kind of work that out a bit more. Yeah. Yeah. That's what we were planning to do. I was planning to put aside I was hoping that we both would have, you know, kind of thirty to fifty k in buffer so that we are both okay, you know, for that process.\n\nBecause if we do do this build, then I need loan repayments and all that until the until it's ready to rent out. So I've I've selected I need about 30,000 for the loan repayments in the interim between, you know, construction and build finalizing. And then so I'll need that. And then I was hoping to have about 30 to 50 each on top of that so that we're kind of that we'll still manage if Yanni still doesn't get a job trying to. Yeah.\n\nIn WorkCover, I kind of taken charge of this role that they're kind of potentially offering him, but it's through Chisholm and it's like a mentoring program for him to be the trade school teacher that he's studying for. But it's not a really quick process. Like, this whole process has already taken eight months, and they're kind of going back and forth and saying, oh, you've gotta update this. You've gotta update that. Now we're gonna do a meet and greet.\n\nAnd it's like they're kinda saying it's his, but kind of just delaying it so long that we're kinda, like isn't it doesn't really a bit hard to navigate. Yeah. Yeah. But I think it'll have to I know. Especially because his work covers ending in November, so it's kind of like they have a KPI or something to get him into a job before then.\n\nBut I think they'll probably push a bit harder closer to the time, but they're just kind of I'm trying to do a little bit here and there in the interim. And you're close. Yeah. Oh, he's desperate. Yeah.\n\nHe's desperate. Poor thing. But yeah. Yeah. Yeah.\n\nThat's in our both of our names together. If if it goes ahead. But yeah. Right. It'll be after September.\n\nYeah. That's right. Mhmm. Alright. Of course.\n\nYeah. Of course. Yeah. I'm hoping to get done in the next month or two. Yeah.\n\nThat sounds so good. Oh, that's Sure. Oh, yep. Yep. Yes.\n\nYes. Yeah. Yeah. That sounds good. Amazing.\n\nWell, that sounds great. Thanks so much. Mhmm. Yeah. Settlement for the land will happen September 16 if all goes well, and then we'll plan for the construction loan after the working drawings and engineering and everything's ready to go.\n\nI was thinking it would take probably another two months after settlement. So it'll probably be ready November maybe, but it might be earlier depending on how quick council come back. Yep. Mhmm. Mhmm.\n\nYeah. That's right. Yeah. Yep. Yeah.\n\nSounds good. Oh, yes. Yeah. Yeah. There's a few things.\n\nRight? This is exciting. Yeah. Yeah. Hopefully.\n\nYeah. Sounds good. Oh, yes. In September, I will go up. Well, what do I got to?\n\nAbout a 100 and 11, I think. I think it's, like, maybe four. What am I currently on? $1.00 6, I think. So, yeah, it goes up 5,000 maybe for the year.\n\nMhmm. Yeah. Sounds great. Alright. Thanks so much for your help.\n\nThat's it. Thanks. Have a good night. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03112303838133812},{"text":"Just hello?","start":3.1399999,"end":9.12,"sentiment":"neutral","sentiment_score":0.07439000532031059},{"text":"Good.","start":11.36,"end":11.84,"sentiment":"positive","sentiment_score":0.5208767652511597},{"text":"How are you?","start":11.84,"end":12.66,"sentiment":"positive","sentiment_score":0.36107269922892254},{"text":"Yeah.","start":21.224998,"end":21.545,"sentiment":"neutral","sentiment_score":0.25791817903518677}],"sentiment":"neutral","sentiment_score":0.25523951137438416,"num_words":8,"start":0.39999998,"end":21.545},{"sentences":[{"text":"Perfect.","start":21.545,"end":22.045,"sentiment":"positive","sentiment_score":0.49447721242904663},{"text":"Yeah.","start":26.105,"end":26.265,"sentiment":"neutral","sentiment_score":0.053318362683057785},{"text":"I don't see that.","start":26.265,"end":27.24,"sentiment":"neutral","sentiment_score":-0.027928106486797333},{"text":"Just worked from pretty good.","start":27.32,"end":29.16,"sentiment":"neutral","sentiment_score":0.19304850399494172},{"text":"How's yours been?","start":29.16,"end":30.14,"sentiment":"neutral","sentiment_score":0.17645462850729624}],"sentiment":"neutral","sentiment_score":0.1379063967615366,"num_words":14,"start":21.545,"end":30.14},{"sentences":[{"text":"Oh, really busy.","start":32.84,"end":33.82,"sentiment":"neutral","sentiment_score":0.30898146828015643},{"text":"Okay.","start":34.12,"end":34.62,"sentiment":"neutral","sentiment_score":0.14627023041248322},{"text":"Yeah.","start":34.68,"end":35.18,"sentiment":"neutral","sentiment_score":0.0802447497844696},{"text":"Yeah.","start":45.095,"end":45.255,"sentiment":"neutral","sentiment_score":0.07174517959356308},{"text":"No problem.","start":45.255,"end":45.915,"sentiment":"neutral","sentiment_score":0.17362427711486816}],"sentiment":"neutral","sentiment_score":0.1965566398575902,"num_words":8,"start":32.84,"end":45.915},{"sentences":[{"text":"Mhmm.","start":52.055,"end":52.555,"sentiment":"neutral","sentiment_score":0.08485697209835052},{"text":"Yeah.","start":57.12,"end":57.44,"sentiment":"neutral","sentiment_score":0.04364272207021713},{"text":"So it's Sarah Bethany Bellen.","start":57.44,"end":58.96,"sentiment":"neutral","sentiment_score":0.03085039108991623},{"text":"20 Dale 0 Crescent, Crabbard North.","start":58.96,"end":61.3,"sentiment":"neutral","sentiment_score":0.025031584935883682},{"text":"And what else is new?","start":62.399998,"end":63.519997,"sentiment":"neutral","sentiment_score":0.027471385523676874}],"sentiment":"neutral","sentiment_score":0.03168322704732418,"num_words":18,"start":52.055,"end":63.519997},{"sentences":[{"text":"My date of birth.","start":63.519997,"end":64.42,"sentiment":"neutral","sentiment_score":0.018579748924821615},{"text":"Twenty fourth of the second nineteen ninety two.","start":66.0,"end":68.34,"sentiment":"neutral","sentiment_score":0.035482203122228384},{"text":"Well, that's super ambitious of me.","start":85.34,"end":87.259995,"sentiment":"neutral","sentiment_score":0.10076715176304181},{"text":"I would, yeah, I would say, like, maybe fifteen or twenty.","start":87.259995,"end":90.72,"sentiment":"neutral","sentiment_score":0.14231460338289087},{"text":"But I would love to have, like, a five or ten year plan and kinda work towards it.","start":90.939995,"end":96.14,"sentiment":"positive","sentiment_score":0.3464573919773102}],"sentiment":"neutral","sentiment_score":0.1864781537033776,"num_words":47,"start":63.519997,"end":96.14},{"sentences":[{"text":"Yeah.","start":96.14,"end":96.64,"sentiment":"neutral","sentiment_score":0.14453575015068054},{"text":"So I guess for me, I'm hoping to pay down or kind of redirect or do a bit of a budget and savings target to pay off some of the investment properties that we have, or we are in the middle of selling one of them and purchasing another.","start":113.58,"end":134.825,"sentiment":"neutral","sentiment_score":0.02479818303670202},{"text":"So it's just kind of working out, like, the best plan for that.","start":135.36499,"end":139.86499,"sentiment":"neutral","sentiment_score":0.18108701018186715},{"text":"Yeah.","start":142.16,"end":142.66,"sentiment":"neutral","sentiment_score":0.1033155843615532},{"text":"That that's what I was thinking.","start":142.95999,"end":144.98,"sentiment":"neutral","sentiment_score":0.1123508649567763}],"sentiment":"neutral","sentiment_score":0.06415998036307947,"num_words":70,"start":96.14,"end":144.98},{"sentences":[{"text":"And, yeah, super as well.","start":145.44,"end":147.2,"sentiment":"neutral","sentiment_score":0.26063055396080015},{"text":"But I was hoping to maybe retire before 60, use some of the investment property, like, kinda have a plan for that.","start":147.2,"end":159.055,"sentiment":"neutral","sentiment_score":0.11659637635404413},{"text":"Mhmm.","start":166.955,"end":167.455,"sentiment":"neutral","sentiment_score":0.065723717212677},{"text":"So we've secured the land and settled in is booked for the sixteenth of September of this year.","start":172.57,"end":179.55,"sentiment":"neutral","sentiment_score":0.1880260772175259},{"text":"All being well that due diligence goes through council, and council approves the plans.","start":180.41,"end":187.20499,"sentiment":"neutral","sentiment_score":0.16840625341449464}],"sentiment":"neutral","sentiment_score":0.161269228408734,"num_words":60,"start":145.44,"end":187.20499},{"sentences":[{"text":"If they don't approve the plans, then we will withdraw from the contract because we only want it if we can build a certain type of home on there.","start":188.86499,"end":198.73999,"sentiment":"neutral","sentiment_score":-0.0943207485151702},{"text":"Yeah.","start":200.87999,"end":201.28,"sentiment":"neutral","sentiment_score":0.04721527919173241},{"text":"So all that going ahead, it'll happen in September.","start":201.28,"end":204.81999,"sentiment":"neutral","sentiment_score":0.05211308474342028},{"text":"If not, we will withdraw.","start":205.51999,"end":206.95999,"sentiment":"neutral","sentiment_score":-0.028978760913014413},{"text":"Yeah.","start":206.95999,"end":207.45999,"sentiment":"neutral","sentiment_score":0.026392001658678055}],"sentiment":"neutral","sentiment_score":-0.051946010399195885,"num_words":45,"start":188.86499,"end":207.45999},{"sentences":[{"text":"Yeah.","start":225.25,"end":225.75,"sentiment":"neutral","sentiment_score":0.004958672448992729},{"text":"Yeah.","start":226.53,"end":227.03,"sentiment":"neutral","sentiment_score":-0.002433963119983673},{"text":"I guess the plan first is to kind of hopefully secure this site and the build and all that to go ahead and then to kind of work on our principal place of residence.","start":227.73,"end":241.17499,"sentiment":"neutral","sentiment_score":0.08001699956024394},{"text":"And then after that, start paying down the investment properties over time.","start":241.95499,"end":246.295,"sentiment":"neutral","sentiment_score":0.037432339352866016},{"text":"Yes.","start":261.27002,"end":261.75,"sentiment":"neutral","sentiment_score":-0.003708120435476303}],"sentiment":"neutral","sentiment_score":0.06466495196277998,"num_words":49,"start":225.25,"end":261.75},{"sentences":[{"text":"You can leave it out.","start":261.75,"end":262.71,"sentiment":"neutral","sentiment_score":-0.018374092504382135},{"text":"You know?","start":262.71,"end":263.29,"sentiment":"neutral","sentiment_score":-0.03243663348257542},{"text":"Yes.","start":264.79,"end":265.29,"sentiment":"neutral","sentiment_score":0.08531073480844498},{"text":"Mhmm.","start":279.185,"end":279.685,"sentiment":"neutral","sentiment_score":0.01435279566794634},{"text":"Yeah.","start":288.03998,"end":288.36,"sentiment":"neutral","sentiment_score":0.18641707301139832}],"sentiment":"neutral","sentiment_score":0.012933687400072813,"num_words":10,"start":261.75,"end":288.36},{"sentences":[{"text":"It makes sense.","start":288.36,"end":289.25998,"sentiment":"neutral","sentiment_score":0.20849754909674326},{"text":"Mhmm.","start":348.16998,"end":348.66998,"sentiment":"neutral","sentiment_score":0.059679627418518066},{"text":"Yeah.","start":350.745,"end":350.98502,"sentiment":"neutral","sentiment_score":0.09149198979139328},{"text":"That's alright.","start":350.98502,"end":351.725,"sentiment":"neutral","sentiment_score":0.13009193539619446},{"text":"So we do have current we do currently have two investment properties, one in Queensland, one in Victoria, and then we have one principal place of residence in Victoria as well.","start":352.105,"end":362.285,"sentiment":"neutral","sentiment_score":0.08392973628736311}],"sentiment":"neutral","sentiment_score":0.0957544726368628,"num_words":38,"start":288.36,"end":362.285},{"sentences":[{"text":"So oh, okay.","start":362.79,"end":369.91,"sentiment":"neutral","sentiment_score":0.06967353199919064},{"text":"Yeah.","start":369.91,"end":370.15,"sentiment":"neutral","sentiment_score":0.08464021980762482},{"text":"You can add that one.","start":370.15,"end":371.37,"sentiment":"neutral","sentiment_score":0.0569693062454462},{"text":"Yeah.","start":376.07,"end":376.47,"sentiment":"neutral","sentiment_score":0.010035941377282144},{"text":"That's one we're looking to sell.","start":376.47,"end":377.885,"sentiment":"neutral","sentiment_score":-0.0033360053009043136}],"sentiment":"neutral","sentiment_score":0.03553295353776775,"num_words":16,"start":362.79,"end":377.885},{"sentences":[{"text":"That one's in my husband's name.","start":377.885,"end":379.505,"sentiment":"neutral","sentiment_score":-0.0022258891258388758},{"text":"Yeah.","start":383.645,"end":383.965,"sentiment":"neutral","sentiment_score":0.10614405572414398},{"text":"That's fine.","start":383.965,"end":384.865,"sentiment":"neutral","sentiment_score":0.2115163952112198},{"text":"So you've got my one, don't you?","start":390.19998,"end":391.96,"sentiment":"neutral","sentiment_score":0.13339541213853018},{"text":"You've got my one my principal principal and my yeah.","start":391.96,"end":396.68,"sentiment":"neutral","sentiment_score":0.03345103282481432}],"sentiment":"neutral","sentiment_score":0.0686192201772848,"num_words":26,"start":377.885,"end":396.68},{"sentences":[{"text":"Yeah.","start":396.68,"end":396.76,"sentiment":"neutral","sentiment_score":0.0422748327255249},{"text":"Yeah.","start":396.76,"end":397.26,"sentiment":"neutral","sentiment_score":0.0531335175037384},{"text":"Yeah.","start":404.04,"end":404.54,"sentiment":"neutral","sentiment_score":0.03813990205526352},{"text":"Yep.","start":412.73502,"end":413.05502,"sentiment":"neutral","sentiment_score":0.06048354133963585},{"text":"Yep.","start":413.05502,"end":413.55502,"sentiment":"neutral","sentiment_score":0.07357664406299591}],"sentiment":"neutral","sentiment_score":0.053521687537431716,"num_words":5,"start":396.68,"end":413.55502},{"sentences":[{"text":"Probably somewhere between 700 and $7.20 is the point.","start":423.44998,"end":427.78998,"sentiment":"neutral","sentiment_score":0.0031380580945147406},{"text":"Yeah.","start":428.72998,"end":429.22998,"sentiment":"neutral","sentiment_score":0.08593777567148209},{"text":"Yes.","start":435.715,"end":436.035,"sentiment":"neutral","sentiment_score":0.08832859247922897},{"text":"What you could yeah.","start":436.035,"end":441.395,"sentiment":"neutral","sentiment_score":0.022606244194321334},{"text":"I think it's about 468,000.","start":441.395,"end":446.055,"sentiment":"neutral","sentiment_score":-0.00009989403188228573}],"sentiment":"neutral","sentiment_score":0.014621719880960882,"num_words":20,"start":423.44998,"end":446.055},{"sentences":[{"text":"We just wanted to build a double story on the site and have at least three bedrooms.","start":469.065,"end":474.925,"sentiment":"neutral","sentiment_score":0.003609030178802855},{"text":"So if the council knock back and tell us that we have to have only two, then we'll we'll withdraw.","start":475.86002,"end":482.68,"sentiment":"neutral","sentiment_score":-0.03660788009874523},{"text":"Yeah.","start":482.9,"end":483.4,"sentiment":"neutral","sentiment_score":-0.007983304560184479},{"text":"Not really.","start":494.175,"end":494.975,"sentiment":"neutral","sentiment_score":-0.05438150465488434},{"text":"I think I was just if it doesn't go ahead, I think we were just gonna redirect the money into the principal place of residence and try and get that loan 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great.","start":518.66,"end":523.135,"sentiment":"neutral","sentiment_score":0.20994869619607925},{"text":"Yep.","start":531.115,"end":531.615,"sentiment":"neutral","sentiment_score":0.15398409962654114}],"sentiment":"neutral","sentiment_score":0.186345240591388,"num_words":19,"start":514.58,"end":531.615},{"sentences":[{"text":"Yes.","start":546.05,"end":546.55,"sentiment":"positive","sentiment_score":0.3677482306957245},{"text":"I'm good.","start":546.85,"end":547.58997,"sentiment":"positive","sentiment_score":0.5981521904468536},{"text":"I think I'm happy to increase it more if there's room for it.","start":572.53,"end":576.55005,"sentiment":"neutral","sentiment_score":0.23790295594013655},{"text":"I haven't I I've been asking Yani to see if we can go through the budget so that I can get a bit of an idea about how we can spend a little bit more because it's it looks like on paper that it's doing well, but I'm just not sure if if we're really in, like, a savings.","start":577.925,"end":596.95996,"sentiment":"neutral","sentiment_score":0.0007261532374610335},{"text":"As in we we do put away 250 a fortnight, both of us, do into a savings account.","start":597.5,"end":603.6,"sentiment":"neutral","sentiment_score":-0.005156291752225823}],"sentiment":"neutral","sentiment_score":0.049535707830982184,"num_words":93,"start":546.05,"end":603.6},{"sentences":[{"text":"But I'm not sure if we're continuing to build enough savings is what I'm I just think we might need to do a bit of a better review of that.","start":603.935,"end":617.17,"sentiment":"neutral","sentiment_score":-0.16038331699868044},{"text":"And if there's room for adding to Super, I would absolutely love to because I think it's a good option.","start":617.79,"end":624.45,"sentiment":"positive","sentiment_score":0.6751632295548916},{"text":"That's right.","start":639.525,"end":640.085,"sentiment":"neutral","sentiment_score":0.18718145787715912},{"text":"That was so good.","start":640.085,"end":641.01,"sentiment":"positive","sentiment_score":0.5863955616950989},{"text":"Yeah.","start":641.41003,"end":641.91003,"sentiment":"neutral","sentiment_score":0.2724202573299408}],"sentiment":"neutral","sentiment_score":0.2049847456316153,"num_words":57,"start":603.935,"end":641.91003},{"sentences":[{"text":"Yeah.","start":650.05,"end":650.37,"sentiment":"neutral","sentiment_score":0.03145303577184677},{"text":"Of course.","start":650.37,"end":651.03,"sentiment":"neutral","sentiment_score":0.039419788867235184},{"text":"He's 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out.","start":806.79004,"end":813.53,"sentiment":"neutral","sentiment_score":-0.16333394419205816},{"text":"Okay.","start":833.27997,"end":833.77997,"sentiment":"neutral","sentiment_score":0.2126964032649994},{"text":"Yep.","start":855.53503,"end":855.9,"sentiment":"neutral","sentiment_score":0.1636779010295868},{"text":"Yeah.","start":877.005,"end":877.505,"sentiment":"neutral","sentiment_score":0.04174164682626724}],"sentiment":"neutral","sentiment_score":-0.2726225957951762,"num_words":44,"start":798.815,"end":877.505},{"sentences":[{"text":"We I think I was planning to sell off prior to retirement, but if it was better to keep it and use the rental income as, you know, supplement income, If we did manage to pay off the loans, then that's fine too.","start":892.69,"end":911.79,"sentiment":"neutral","sentiment_score":0.027048708004660384},{"text":"But I haven't modeled any of the plans there.","start":911.79,"end":916.45,"sentiment":"neutral","sentiment_score":-0.04915985092520714},{"text":"I just know that there's equity there and that, you know, I'd probably end up selling and just paying capital gains.","start":916.51,"end":922.45,"sentiment":"neutral","sentiment_score":-0.011538967756288392},{"text":"Yeah.","start":954.02,"end":954.52,"sentiment":"neutral","sentiment_score":0.16146621108055115},{"text":"Yeah.","start":957.355,"end":957.675,"sentiment":"neutral","sentiment_score":0.20236429572105408}],"sentiment":"neutral","sentiment_score":0.01122890626390775,"num_words":75,"start":892.69,"end":957.675},{"sentences":[{"text":"Yeah.","start":957.675,"end":957.915,"sentiment":"neutral","sentiment_score":0.2841598093509674},{"text":"Absolutely.","start":957.915,"end":958.395,"sentiment":"positive","sentiment_score":0.4498625695705414},{"text":"We would keep it good.","start":958.395,"end":959.855,"sentiment":"positive","sentiment_score":0.5641934454441071},{"text":"It's more just I hadn't really thought that much about the exit plan.","start":960.635,"end":964.15497,"sentiment":"neutral","sentiment_score":0.03391247185376974},{"text":"I was just thinking, oh, this is a good as in much me working because it's just not really I can't quite get to that amount when I'm working as when I can as when I buy a property.","start":964.15497,"end":976.63,"sentiment":"neutral","sentiment_score":-0.10735336347268178}],"sentiment":"neutral","sentiment_score":-0.003236092121924384,"num_words":59,"start":957.675,"end":976.63},{"sentences":[{"text":"Okay.","start":983.41,"end":983.91,"sentiment":"neutral","sentiment_score":-0.13545048236846924},{"text":"Yeah.","start":988.875,"end":989.375,"sentiment":"neutral","sentiment_score":-0.07055240869522095},{"text":"Oh, yeah.","start":1082.22,"end":1082.54,"sentiment":"neutral","sentiment_score":0.19221698492765427},{"text":"That makes sense.","start":1082.54,"end":1083.42,"sentiment":"neutral","sentiment_score":0.220174640417099},{"text":"Yeah.","start":1083.42,"end":1083.92,"sentiment":"neutral","sentiment_score":0.12460419535636902}],"sentiment":"neutral","sentiment_score":0.12044489942491055,"num_words":8,"start":983.41,"end":1083.92},{"sentences":[{"text":"No.","start":1088.62,"end":1088.86,"sentiment":"neutral","sentiment_score":-0.1173899918794632},{"text":"That's that's 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retire?","start":1134.465,"end":1138.55,"sentiment":"neutral","sentiment_score":0.09723213315010071},{"text":"Do we wanna, you know, continue working?","start":1138.6901,"end":1141.17,"sentiment":"neutral","sentiment_score":0.09887784879122462}],"sentiment":"neutral","sentiment_score":0.1597580610326043,"num_words":27,"start":1130.705,"end":1141.17},{"sentences":[{"text":"Do we wanna invest in super kind of where do we wanna live?","start":1141.17,"end":1144.31,"sentiment":"neutral","sentiment_score":0.11125963410505882},{"text":"Yeah.","start":1144.37,"end":1144.87,"sentiment":"neutral","sentiment_score":0.06526902318000793},{"text":"Oh, yeah.","start":1149.3301,"end":1150.15,"sentiment":"neutral","sentiment_score":0.03312869742512703},{"text":"Yeah.","start":1150.61,"end":1151.11,"sentiment":"neutral","sentiment_score":0.023284565657377243},{"text":"Yeah.","start":1152.505,"end":1152.8251,"sentiment":"neutral","sentiment_score":0.10978584736585616}],"sentiment":"neutral","sentiment_score":0.09505400413440333,"num_words":18,"start":1141.17,"end":1152.8251},{"sentences":[{"text":"That'd be good.","start":1152.8251,"end":1153.465,"sentiment":"neutral","sentiment_score":0.25241294503211975},{"text":"I'm trying to write it down, but I was like, oh, maybe I missed something.","start":1153.465,"end":1156.2051,"sentiment":"neutral","sentiment_score":0.05473693944513798},{"text":"Yeah.","start":1156.265,"end":1156.765,"sentiment":"neutral","sentiment_score":0.04660892114043236},{"text":"Yeah.","start":1173.6,"end":1174.0,"sentiment":"neutral","sentiment_score":0.29334765672683716},{"text":"It's I did 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good.","start":1212.5851,"end":1213.885,"sentiment":"positive","sentiment_score":0.40908634662628174},{"text":"Yeah.","start":1224.28,"end":1224.78,"sentiment":"neutral","sentiment_score":0.12593331933021543},{"text":"Yes.","start":1227.9601,"end":1228.4601,"sentiment":"neutral","sentiment_score":0.18022701144218445},{"text":"Okay.","start":1237.2549,"end":1237.7549,"sentiment":"neutral","sentiment_score":0.104690283536911},{"text":"Yes.","start":1250.18,"end":1250.68,"sentiment":"neutral","sentiment_score":0.23636943101882937}],"sentiment":"neutral","sentiment_score":0.2677827264581408,"num_words":7,"start":1212.5851,"end":1250.68},{"sentences":[{"text":"Yeah.","start":1282.8401,"end":1283.2401,"sentiment":"neutral","sentiment_score":0.08764888346195221},{"text":"If it's possible, I just I think we started with 50 a fortnight just because I was a bit hesitant.","start":1283.2401,"end":1289.015,"sentiment":"neutral","sentiment_score":0.013732015527784825},{"text":"But really not when I looked at it, my actual amount, I'm only getting paid, like, $34 less.","start":1290.275,"end":1296.375,"sentiment":"neutral","sentiment_score":0.045442790206935674},{"text":"So I think because I'm paying less tax, it's I'm really noticing that $50 extra in the 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fine with that.","start":1342.965,"end":1343.9249,"sentiment":"neutral","sentiment_score":0.3208255171775818},{"text":"I think it's better.","start":1343.9249,"end":1344.965,"sentiment":"neutral","sentiment_score":0.2886965125799179},{"text":"And then I'm getting wasted on Yeah.","start":1344.965,"end":1363.53,"sentiment":"neutral","sentiment_score":-0.03250058953251157},{"text":"Probably about six months ago, but the issue with me guessing the budget is that last time, it all looked really good, but Yanni's savings kind of went down more than I expected.","start":1369.155,"end":1382.615,"sentiment":"neutral","sentiment_score":-0.07009834700235815},{"text":"So I think I don't actually I think I'm estimating, but when I when I I haven't actually pulled the numbers out of his.","start":1383.54,"end":1391.78,"sentiment":"neutral","sentiment_score":-0.05924692819826305}],"sentiment":"neutral","sentiment_score":-0.021174829660190478,"num_words":72,"start":1342.965,"end":1391.78},{"sentences":[{"text":"I haven't actually done his you know you know, when you, like, take your bank and you say, okay.","start":1391.78,"end":1397.845,"sentiment":"neutral","sentiment_score":-0.0489148976967523},{"text":"This is how much percentage.","start":1397.845,"end":1399.145,"sentiment":"neutral","sentiment_score":-0.03635309785604477},{"text":"As as in I've spent this on, you know, going out and this much on the movies and this much.","start":1399.685,"end":1404.265,"sentiment":"neutral","sentiment_score":-0.03226629244163633},{"text":"I I just we just kind of estimated, but I think I underestimated.","start":1404.5651,"end":1408.265,"sentiment":"neutral","sentiment_score":-0.10498928221372458},{"text":"So I think what I'm gonna do next six months is actually pull a report 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to.","start":1523.37,"end":1533.79,"sentiment":"neutral","sentiment_score":0.06825258182909559},{"text":"Yeah.","start":1540.405,"end":1540.905,"sentiment":"neutral","sentiment_score":0.07032324373722076}],"sentiment":"neutral","sentiment_score":0.055900382419484994,"num_words":86,"start":1503.78,"end":1540.905},{"sentences":[{"text":"In WorkCover, I kind of taken charge of this role that they're kind of potentially offering him, but it's through Chisholm and it's like a mentoring program for him to be the trade school teacher that he's studying for.","start":1541.445,"end":1556.5399,"sentiment":"neutral","sentiment_score":0.15850657434799734},{"text":"But it's not a really quick process.","start":1556.5399,"end":1559.44,"sentiment":"neutral","sentiment_score":-0.08810276684484311},{"text":"Like, this whole process has already taken eight months, and they're kind of going back and forth and saying, oh, you've gotta update 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yep.","start":1748.04,"end":1758.28,"sentiment":"neutral","sentiment_score":-0.029009809717535973},{"text":"Yep.","start":1758.28,"end":1758.78,"sentiment":"neutral","sentiment_score":0.03915910795331001},{"text":"Yes.","start":1786.52,"end":1787.02,"sentiment":"neutral","sentiment_score":0.009249657392501833}],"sentiment":"neutral","sentiment_score":0.14705180342901836,"num_words":11,"start":1732.93,"end":1787.02},{"sentences":[{"text":"Yes.","start":1787.48,"end":1787.98,"sentiment":"neutral","sentiment_score":0.1594170331954956},{"text":"Yeah.","start":1795.405,"end":1795.905,"sentiment":"neutral","sentiment_score":0.014190678484737871},{"text":"Yeah.","start":1798.045,"end":1798.545,"sentiment":"neutral","sentiment_score":0.17263369262218475},{"text":"That sounds 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right.","start":1886.715,"end":1887.435,"sentiment":"neutral","sentiment_score":0.07322018593549728},{"text":"Yeah.","start":1887.435,"end":1887.935,"sentiment":"neutral","sentiment_score":0.03559701889753342},{"text":"Yep.","start":1895.7,"end":1896.2,"sentiment":"neutral","sentiment_score":0.027506355196237564},{"text":"Yeah.","start":1901.54,"end":1901.86,"sentiment":"neutral","sentiment_score":0.2395746111869812}],"sentiment":"neutral","sentiment_score":0.08218838088214397,"num_words":6,"start":1886.395,"end":1901.86},{"sentences":[{"text":"Sounds good.","start":1901.86,"end":1902.68,"sentiment":"positive","sentiment_score":0.5188112258911133},{"text":"Oh, yes.","start":1928.82,"end":1929.285,"sentiment":"neutral","sentiment_score":0.06383436731994152},{"text":"Yeah.","start":1931.045,"end":1931.285,"sentiment":"neutral","sentiment_score":0.04941043630242348},{"text":"Yeah.","start":1931.285,"end":1931.605,"sentiment":"neutral","sentiment_score":0.05187969654798508},{"text":"There's a few things.","start":1931.605,"end":1932.5651,"sentiment":"neutral","sentiment_score":0.03612682223320007}],"sentiment":"neutral","sentiment_score":0.14110886082053184,"num_words":10,"start":1901.86,"end":1932.5651},{"sentences":[{"text":"Right?","start":1932.5651,"end":1933.0651,"sentiment":"neutral","sentiment_score":0.09390629827976228},{"text":"This is exciting.","start":1933.2051,"end":1934.025,"sentiment":"positive","sentiment_score":0.3734072248140971},{"text":"Yeah.","start":1935.925,"end":1936.425,"sentiment":"neutral","sentiment_score":0.06487353146076202},{"text":"Yeah.","start":1936.725,"end":1937.2051,"sentiment":"neutral","sentiment_score":0.10093395411968233},{"text":"Hopefully.","start":1937.2051,"end":1937.7051,"sentiment":"neutral","sentiment_score":0.20198896527290344}],"sentiment":"neutral","sentiment_score":0.22598920336791448,"num_words":7,"start":1932.5651,"end":1937.7051},{"sentences":[{"text":"Yeah.","start":1939.765,"end":1940.0851,"sentiment":"neutral","sentiment_score":0.06641284376382828},{"text":"Sounds good.","start":1940.0851,"end":1940.8251,"sentiment":"neutral","sentiment_score":0.19364601373672485},{"text":"Oh, yes.","start":1945.03,"end":1945.83,"sentiment":"neutral","sentiment_score":0.026275502517819405},{"text":"In September, I will go up.","start":1945.83,"end":1949.99,"sentiment":"neutral","sentiment_score":0.02164932309339444},{"text":"Well, what do I got to?","start":1949.99,"end":1951.19,"sentiment":"neutral","sentiment_score":-0.01177668214465181}],"sentiment":"neutral","sentiment_score":0.03326421893913956,"num_words":17,"start":1939.765,"end":1951.19},{"sentences":[{"text":"About a 100 and 11, I think.","start":1951.19,"end":1952.63,"sentiment":"neutral","sentiment_score":0.0013021672410624368},{"text":"I think it's, like, maybe four.","start":1952.63,"end":1955.51,"sentiment":"neutral","sentiment_score":0.0010758008963117998},{"text":"What am I currently on?","start":1955.51,"end":1956.97,"sentiment":"neutral","sentiment_score":-0.013213717192411423},{"text":"$1.00 6, I think.","start":1957.605,"end":1959.045,"sentiment":"neutral","sentiment_score":0.007968558697029948},{"text":"So, yeah, it goes up 5,000 maybe for the year.","start":1959.045,"end":1962.905,"sentiment":"neutral","sentiment_score":0.05660234615206718}],"sentiment":"neutral","sentiment_score":0.017106221450376324,"num_words":32,"start":1951.19,"end":1962.905},{"sentences":[{"text":"Mhmm.","start":1969.765,"end":1970.265,"sentiment":"neutral","sentiment_score":0.0004329928779043257},{"text":"Yeah.","start":1978.29,"end":1978.79,"sentiment":"neutral","sentiment_score":0.08415849506855011},{"text":"Sounds great.","start":1993.425,"end":1993.985,"sentiment":"positive","sentiment_score":0.818962961435318},{"text":"Alright.","start":1993.985,"end":1994.385,"sentiment":"positive","sentiment_score":0.6897071599960327},{"text":"Thanks so much for your help.","start":1994.385,"end":1995.765,"sentiment":"positive","sentiment_score":0.873707522948583}],"sentiment":"positive","sentiment_score":0.6958608825913292,"num_words":11,"start":1969.765,"end":1995.765},{"sentences":[{"text":"That's it.","start":2000.9401,"end":2001.8201,"sentiment":"positive","sentiment_score":0.5340414643287659},{"text":"Thanks.","start":2001.8201,"end":2002.14,"sentiment":"positive","sentiment_score":0.7275294065475464},{"text":"Have a good night.","start":2002.14,"end":2003.2001,"sentiment":"positive","sentiment_score":0.720818892121315},{"text":"Thanks.","start":2005.34,"end":2005.84,"sentiment":"positive","sentiment_score":0.6184178590774536},{"text":"Bye.","start":2006.38,"end":2006.88,"sentiment":"neutral","sentiment_score":0.3328905701637268}],"sentiment":"positive","sentiment_score":0.6255773703257242,"num_words":9,"start":2000.9401,"end":2006.88}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Just\n\nChannel 0: Hi, Sarah. It's Dana from\n\nChannel 1: hello?\n\nChannel 0: OKIE Financial. How are you this afternoon?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a catch up this afternoon looking at getting some updated advice. Is now still a good time there for you?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yeah. Fantastic. How's your day been so far?\n\nChannel 1: Yeah. I don't see that. Just worked from pretty good. How's yours been?\n\nChannel 0: Yeah. Really good. Really busy, but that's okay.\n\nChannel 1: Oh,\n\nChannel 0: We\n\nChannel 1: really\n\nChannel 0: love\n\nChannel 1: busy.\n\nChannel 0: it.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: No. All good. Before we jump into the call there, Sarah, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. No problem.\n\nChannel 0: Yeah. Fantastic. And just to do security there with you as well, we are discussing your personal information. So just need\n\nChannel 1: Mhmm.\n\nChannel 0: to confirm your full name, your address, and date of birth I should have on file for you.\n\nChannel 1: Yeah. So it's Sarah Bethany Bellen. 20 Dale 0 Crescent, Crabbard North. And what else is new? My date of birth.\n\nTwenty fourth of the second nineteen ninety two.\n\nChannel 0: Yeah. Perfect. Thank you so much for that. So, Sarah, in your email and with your chat with Jack there, you kind of mentioned that you're wanting to look at getting your Tom scenario and finding your way forward and looking at advice. You're sort of looking to be financially free in the next ten years.\n\nIs that right?\n\nChannel 1: Well, that's super ambitious of me. I would, yeah, I would say, like, maybe fifteen or twenty. But I would love to have, like, a five or ten year plan and kinda\n\nChannel 0: Yep.\n\nChannel 1: work towards it. Yeah.\n\nChannel 0: Yeah. Absolutely. Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals? What is sort of your goal with that?\n\nChannel 1: So I guess for me, I'm hoping to pay down or kind of redirect or do a bit of a budget and savings target to pay off some of the investment properties that we have,\n\nChannel 0: Okay.\n\nChannel 1: or we are in the middle of selling one of them and purchasing another. So it's\n\nChannel 0: Yep.\n\nChannel 1: just kind of working out, like, the best plan for that.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. That that's what I was thinking.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, super as well. But I was hoping to maybe retire\n\nChannel 0: Okay.\n\nChannel 1: before 60, use some of the investment property, like, kinda have a plan for that.\n\nChannel 0: Yep. Yeah. That's okay. Not a problem at all. So because you are looking to purchase a new investment property,\n\nChannel 1: Mhmm.\n\nChannel 0: your when's that kind of all happening and going through?\n\nChannel 1: So we've secured the land and settled\n\nChannel 0: Mhmm.\n\nChannel 1: in is booked for the sixteenth of September of this year. All being well that due diligence goes through council, and council approves the plans.\n\nChannel 0: Mhmm.\n\nChannel 1: If they don't approve the plans, then we will withdraw from the contract because\n\nChannel 0: Yeah.\n\nChannel 1: we only want it if we can build a certain type of home on there.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So all that going ahead, it'll happen in September. If\n\nChannel 0: Okay.\n\nChannel 1: not, we will withdraw. Yeah.\n\nChannel 0: Okay. No worries at all. And so with the the cash flow and budgeting side of things, you're are you sort of wanting us to sort of give you an idea of how to pay down your current investment property? Are you wanting to incorporate the new property as well and maybe reducing that loan over the next sort of five to ten years, or what\n\nChannel 1: Yeah.\n\nChannel 0: just to kinda break down what\n\nChannel 1: Yeah.\n\nChannel 0: you're after?\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: guess the plan first is to kind of hopefully secure this site and the build and all that to go ahead and then to kind of work on our principal place of residence. And then after that, start paying down the investment properties over time.\n\nChannel 0: Yep. Okay. No worries at all. So, realistically, in order to kinda provide that kind of advice, we do need to understand a lot about the loan. And so if we're incorporating that new investment property, we'll need to make sure that you have that property first, understand\n\nChannel 1: Yes.\n\nChannel 0: the loan that\n\nChannel 1: You can\n\nChannel 0: you do\n\nChannel 1: leave it\n\nChannel 0: have,\n\nChannel 1: out.\n\nChannel 0: what the\n\nChannel 1: You know?\n\nChannel 0: repayments are. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: So that realistically, the advice you're after, I would have to probably just put off for a little while until you've got that property in place and that you've kind of got, you know, those loans all set up and ready to go with your repayment schedules and have a look\n\nChannel 1: Mhmm.\n\nChannel 0: then at, you know, what you're repaying, how you can best structure it. You know, if you're repaying more, what does that look like over the next sort of five to ten years? Does that make sense?\n\nChannel 1: Yeah. It makes sense.\n\nChannel 0: Yeah. It's more just if we look at doing that now, we're not really looking at exactly what the interest rates are, what the loan looks like, or anything down the track. It's sort of just an estimated, you know, an estimated valuation, estimated look at the loan and how that might look. Whereas between now and then interest rates could definitely change. Everything could sort of change.\n\nAnd if you decide not to take that property and you pull out, that could definitely change the plan there as well. So I do try to sort of work on and make sure I am working on essentially accurate information. And if we look at doing that now and we sort of go, well, in the next year, in September, you're expecting to have this loan with this interest rate, and you do this. You'll put yourself in this position over the next five to ten years. When we get to that point, the plan could change, and we would have to update the advice and re sort of change it all based on your circumstances then.\n\nSo I would be looking to incorporate everything together if that's okay with you.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's alright. So\n\nChannel 0: Yeah.\n\nChannel 1: we\n\nChannel 0: That's\n\nChannel 1: do\n\nChannel 0: okay.\n\nChannel 1: have current we do currently have two investment properties, one in Queensland, one in Victoria, and then we have one principal place of residence in Victoria as well. So\n\nChannel 0: Okay. Because I definitely have the Queensland one noted down here, but I don't have the one in Victoria. So,\n\nChannel 1: oh, okay. Yeah. You can\n\nChannel 0: yeah,\n\nChannel 1: add that\n\nChannel 0: that's\n\nChannel 1: one.\n\nChannel 0: okay. The investment property in Victoria. And is that the one that you're looking to sell? Which one are you selling?\n\nChannel 1: Yeah. That's one we're looking to sell. That one's in my husband's name.\n\nChannel 0: Okay. That's probably why I don't have it noted down here. That's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Easy. And that's in Yanni's name. Beautiful.\n\nChannel 1: So you've\n\nChannel 0: Lovely.\n\nChannel 1: got my one, don't you? You've got my\n\nChannel 0: Yeah.\n\nChannel 1: one\n\nChannel 0: That's\n\nChannel 1: my principal\n\nChannel 0: the\n\nChannel 1: principal\n\nChannel 0: Queensland\n\nChannel 1: and\n\nChannel 0: one. Yeah.\n\nChannel 1: my yeah. Yeah. Yeah.\n\nChannel 0: Yep. And the the PPI, yes, the main primary residence there. That was the one we had valued at 750,000 there.\n\nChannel 1: Yeah.\n\nChannel 0: And you had last time a loan of about 417,000 owing, and that you did have some offset in there as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yes. Beautiful. All good. How much are you sort of expecting to sell this property in Victoria for when it does sell?\n\nChannel 1: Probably somewhere between 700 and $7.20 is the\n\nChannel 0: Okay.\n\nChannel 1: point. Yeah.\n\nChannel 0: Yep. Beautiful. So 700 to $7.20. Well, hopefully, you get on the higher end of that. That'd be fantastic.\n\nChannel 1: Yes. What you could\n\nChannel 0: And do you have a loan on that one still at the moment?\n\nChannel 1: yeah. I think it's about 468,000.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. Excellent.\n\nAnd so have you found a property? I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house. What's kind of the the house that you're looking to build? What's the sort of the outcome look like?\n\nChannel 1: We just wanted to build a double story on the site and have\n\nChannel 0: Yeah.\n\nChannel 1: at least three bedrooms. So\n\nChannel 0: Yep.\n\nChannel 1: if the council knock back and tell us that we have to have only two, then we'll we'll\n\nChannel 0: Yeah.\n\nChannel 1: withdraw. Yeah.\n\nChannel 0: Yeah. Okay. And do you have sort of a backup plan on what you might do with the funds or where else you might buy if this doesn't kinda go ahead.\n\nChannel 1: Not really. I think I was just if it doesn't go ahead, I think we were just gonna redirect the money into the principal place of residence and try and get that loan\n\nChannel 0: Okay.\n\nChannel 1: down.\n\nChannel 0: Yeah. Yeah. Absolutely. Perfect. And are you sort of happy hoping to have the principal primary residence paid off by the time you get to the retirement years or in the\n\nChannel 1: Yeah.\n\nChannel 0: next sort of ten years? What's your goal\n\nChannel 1: Yeah.\n\nChannel 0: with paying that one down?\n\nChannel 1: Yeah. Probably just as soon as we can\n\nChannel 0: Yeah.\n\nChannel 1: in the next ten years would be great.\n\nChannel 0: Yeah. Beautiful. Lovely. And so your soup is working really well at the moment. I did\n\nChannel 1: Yep.\n\nChannel 0: have a bit of a look in the last sort of three months there. Since we've made the changes and moved you into the SMA, it does look like your super is up by net of fees 8.12 percent. So that side of things is working really nicely for\n\nChannel 1: Yes.\n\nChannel 0: you.\n\nChannel 1: I'm good.\n\nChannel 0: Really happy with how that's sort of going. Are you I know we did sort of talk about we've got the salary sacrifice there. Are you wanting to sort of build super a bit more and maybe make additional contributions into there as part of your long term plan, or are you sort of happy with what how that's structured and what's happening with Super at the moment and looking to maybe direct investments outside of Super a bit more?\n\nChannel 1: I think I'm happy to increase it more if there's room for it.\n\nChannel 0: Yep.\n\nChannel 1: I haven't I I've been asking Yani to see if we can go through the budget so that I can get a bit of an idea about how we can spend a little bit more because it's it\n\nChannel 0: Yep.\n\nChannel 1: looks like on paper that it's doing well, but I'm just not sure if if we're really in, like, a savings. As in we we do put away 250 a fortnight, both of us,\n\nChannel 0: Yep.\n\nChannel 1: do into a savings account. But\n\nChannel 0: Yep.\n\nChannel 1: I'm not sure if we're continuing to build enough savings is what I'm\n\nChannel 0: Yes. Yep.\n\nChannel 1: I just think we might need to do a bit of a better review of that. And\n\nChannel 0: Yep.\n\nChannel 1: if there's room for adding to Super, I would absolutely love to because I think it's a good option.\n\nChannel 0: Absolutely. Yeah. No. Definitely. So, no, one of the things that you kinda mentioned in email was, you know, looking forward to doing this five year plan and sort of looking at where you're going and heading and tracking was in relation to the email that we sent out with Tom's\n\nChannel 1: That's right.\n\nChannel 0: scenario.\n\nChannel 1: That was so good. Yeah.\n\nChannel 0: Yeah. Yeah. And, look, Tom's scenario is very much doable, but Tom's scenario is also very much more to his circumstances. And one of the\n\nChannel 1: Yeah.\n\nChannel 0: big things\n\nChannel 1: Of course.\n\nChannel 0: with from scenario was that whenever he got pay rises,\n\nChannel 1: He's\n\nChannel 0: he\n\nChannel 1: income.\n\nChannel 0: directed that money into, yeah, he directed the difference into investing into his super and paying down his loans. At the end of that five years, with the way that scenario works I'm not sure if you read the whole thing, but when he kinda got to the end of that five years, he had growth assets of over $2,000,000. He still had a million dollars in loans, so he still did technically have loans on the property. But then\n\nChannel 1: Yes.\n\nChannel 0: it was also so his net assets was about 800,000. And that was a good amount of growth over the long term, and that was a combination of super as well as property. It doesn't kind of go into any detail as to whether there was any outside other investments there or not. But it definitely can work for yourself, and it's more about just working out what you're after, what your goals are, where you're tracking for, but also what you're comfortable with to work out, you know, where we go with that. And I think incorporating both your properties, the new one as well as your current investment property and looking at your PPR is very much important because you are looking\n\nChannel 1: Yeah.\n\nChannel 0: at your total assets, which encompasses your super, all of your properties, any savings you have, and any other investments that you might have outside of super as well. And we can absolutely incorporate those sorts of things for you. It's not a problem. I just think it's best to maybe do this whole plan when you've got your new property set up. That way, you're sort of looking at everything as a whole.\n\nOtherwise, we go to the length of doing all of this now, and then it has to change in a few months' time with you depending on what happens\n\nChannel 1: Oh, yes.\n\nChannel 0: with that new property down the track there. But it is definitely something we can do. Moving forward, I do have to let you know, moving forward, our fee structure is kinda changing. And for advice, our supervisor, they are gonna start charging for that as, like, an upfront\n\nChannel 1: Okay.\n\nChannel 0: fee. But for yourself, because the new fee structure is not in place and I'm having a conversation with you today, I'm gonna make sure that that is waived so you won't have to cover that. This will all kind\n\nChannel 1: Oh,\n\nChannel 0: of be\n\nChannel 1: that's\n\nChannel 0: incorporated.\n\nChannel 1: fine.\n\nChannel 0: Are you wanting to sort of look at building kind of investment portfolios outside of super very similar to your super, or are you more just looking at having your super there and then focusing on property outside of your super? What's your sort of thoughts with that? Sorry.\n\nChannel 1: If I was, I don't really know. I think I had originally thought about investing in shares, but it's just something\n\nChannel 0: Yeah.\n\nChannel 1: I don't feel comfortable doing on my own. Like, I have no idea how to do it, and I'm just not skilled in I haven't done any research in it. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: feel\n\nChannel 0: That's\n\nChannel 1: like I'm\n\nChannel 0: okay.\n\nChannel 1: the best person to\n\nChannel 0: No.\n\nChannel 1: be doing it, and it would\n\nChannel 0: That's\n\nChannel 1: probably\n\nChannel 0: okay.\n\nChannel 1: stress me out.\n\nChannel 0: That's okay. Because just like you said, we do have access to investment portfolios and can build investments and have access to platforms like Hub twenty four for your super and or other platforms as well. So we can look at investing in shares and managed funds and things like that in your own name as well. It can also\n\nChannel 1: Okay.\n\nChannel 0: be done jointly if you wanted to have it done jointly with Yani. And I just need to make sure you're both sort of in that conversation so we can assess both your goals together. But, generally, that can also help with providing long term wealth strategies as well. It's diversifying your portfolio so you have super where you can't really access that until the age of 60 if that's when you choose to retire. But then investing\n\nChannel 1: Yep.\n\nChannel 0: in your own name means you've got savings put aside and putting that into, say, a portfolio at a level that you're comfortable with to, a, be building wealth for the future for the next five to ten years to be able to draw down when and if you need to or to supplement and sort of, you know, have as well as the property depending on what your kind of goal is with the property long term. Are you guys\n\nChannel 1: Yeah.\n\nChannel 0: sort of thinking at the moment property wise, you're wanting to maybe hold it for a period of time and then sell it off and take capital, or are you planning to hold them into retirement to supplement your sleep? Or have you thought about long term goals with regard to the property?\n\nChannel 1: We I think I was planning to sell off\n\nChannel 0: Yes. Yes.\n\nChannel 1: prior to retirement, but if it was better to keep it and use the rental income as,\n\nChannel 0: Yep.\n\nChannel 1: you know, supplement income, If we did\n\nChannel 0: Mhmm.\n\nChannel 1: manage to pay off the loans, then that's fine too. But I haven't modeled any of the plans there. I just know that there's equity there and that, you know, I'd probably end up selling and just paying capital gains.\n\nChannel 0: Yeah. Yeah. No. That's okay. And, look, long term wise, as part of that plan, we can we can help you to model that sort of thing.\n\nThat's what we do as advisers. We can model different scenarios, look at, you know, how how much it's being growing, look at what might be expected, and sort of see whether keeping it, whether you can pay the loan down to that point or whether it's, you know, expected to still have a loan at that point. Are you sort of thinking that you if you have the loan fully paid off by retirement, you might be more willing to keep them to supplement your super if they're more\n\nChannel 1: Yeah.\n\nChannel 0: positively geared? Is that kind of where your thoughts are?\n\nChannel 1: Yeah. Yeah. Absolutely. We would\n\nChannel 0: Yep.\n\nChannel 1: keep it good.\n\nChannel 0: Yep.\n\nChannel 1: It's more just I hadn't really thought that much about the exit plan. I was just thinking, oh, this is a good as in\n\nChannel 0: Yeah.\n\nChannel 1: much me working because it's just not really I can't quite get to that amount when I'm working as when I can as when I buy a property.\n\nChannel 0: Yeah. Yeah. No. Absolutely. And, look, honestly, wage growth never seems to keep up with inflationary\n\nChannel 1: Okay.\n\nChannel 0: or and property, especially over the last years, has just gone gangbusters. And I know there are certain\n\nChannel 1: Yeah.\n\nChannel 0: areas that have had a bit of a decline in recent months with property, but it means it's just a bit of a slump. It will come back. It will continue to grow. It's just a matter of making sure that we've got, you know, the right assets and we have a long term goal. So when we do look at sort of your scenario and look at the next sort of five to ten years, we do take your long term goals into play as well, sort of thinking about what you want in retirement because that does sort of help determine whether it's worth keeping the property longer than that five or ten years or whether it's worth selling it off, whether you pay the loan down completely and pay it off, or whether you just build enough capital to be able to sell it, cover the loan, and, you know, cement the gains there.\n\nSo all of those definitely do factor in. And what I would probably suggest, if it's okay, is over the next, you know, couple of months between now and when you do get that next property sorted, sell this one and and get the next one started. Maybe just think about what it is long term. What what do you guys wanna achieve together? Do you wanna keep the properties and maybe supplement super?\n\nAre you wanting to maybe sell one or two of them off if it's preferable? Do you, you know, do you wanna what does financial freedom look to you was another really good question as well. So is it that you wanna, in the next ten years, have enough wealth beside you that you have the option to stop working full time, or do you just wanna sort of be able to maybe supplement half your income? What what that financial freedom kinda looks like to you and each of you and or both of you together, if that makes sense?\n\nChannel 1: Oh, yeah. That makes sense. Yeah.\n\nChannel 0: Yeah. Sorry. All these conversations end up with, like, a lot more questions, and I do\n\nChannel 1: No.\n\nChannel 0: apologize.\n\nChannel 1: That's that's good.\n\nChannel 0: And and one thing I do sort of find, especially when we are talking, like, I'll do the advice to you, but a lot of this can affect Yanni as well, so it might be worth having that conversation with him. But sometimes when you both sort of sit down and work out what your go goals are versus his, there can be a bit of a difference. So then coming to you and you're right. Well, this is what I wanna achieve. What do you want?\n\nAnd is there a middle ground we'd both be fairly comfortable with as well? Because it is really very common where you sort of sit down with couples, and they both have very different goals, and it's just about working at that middle ground with what's comfortable for both of you, if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Good. Yeah.\n\nChannel 1: So I'll just ask him. Okay. So it was kind of like do we wanna part, retire? Do we wanna, you know,\n\nChannel 0: Yep.\n\nChannel 1: continue working? Do we wanna invest in super kind of where do\n\nChannel 0: Yep. Yep.\n\nChannel 1: we wanna live? Yeah.\n\nChannel 0: Yeah. Do you want me to send you an email after the call breaking down some of those additional questions\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: yeah.\n\nChannel 0: you guys to think\n\nChannel 1: Yeah.\n\nChannel 0: about? Would that be easier? Yeah.\n\nChannel 1: Yeah. That'd be good. I'm trying to write it down, but I was like, oh, maybe I missed something. Yeah.\n\nChannel 0: No. You're absolutely fine. But, no, look, honestly, this sounds like a really great plan to put together. I'm really excited to help you and kinda look at the next five to ten years and see, you know, where you are tracking and what we can do to help. I do love that you read the email.\n\nI think that is fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: It definitely\n\nChannel 1: It's\n\nChannel 0: generated quite a bit of interest, and I think that's\n\nChannel 1: I\n\nChannel 0: important\n\nChannel 1: did it.\n\nChannel 0: because a lot of, yeah, a lot of people do just think we're here for super, and we're definitely not. But as I kinda said to you, I will make sure because we're speaking about this now that currently, there's no fee for any advice outside of super. So we'll make sure that that is, you know, continues. Moving forward, they wanna charge a fee for, like, an upfront fee for implementing or providing advice around a property and things like that. But I'm gonna scrap that for you because we're having this conversation now, and that fee structure hasn't yet been placed in force.\n\nSo you have that on a recorded line here, Sarah.\n\nChannel 1: Oh, that's good.\n\nChannel 0: If there are any kind of investments that we do set up within, say, platforms like your super, we do charge an implementation and an ongoing fee for monitoring It is very\n\nChannel 1: Yeah.\n\nChannel 0: much the same as your super 1.65%.\n\nChannel 1: Yes.\n\nChannel 0: We do tend to just take the balance and even the fee across both of them. So they're pro rataed across the super and the investment side of things.\n\nChannel 1: Okay.\n\nChannel 0: But I always as part of the advice, if that's the way we if that's the way you wanna kinda look with investing, I do kind of also show you that as part of the advice, do you get the option of taking it or not? It's completely up to you. But\n\nChannel 1: Yes.\n\nChannel 0: I just like to make sure I am being full, you know, transparent across the board with how the fee structure works and what, you know, what could be expected so you kind of know what you're walking into. But, yeah, I'm looking forward to putting this together. I think this could be really great, and I really do enjoy, you know, putting the five year plan together. Did you are you comfortable just sort of scoping out the super side for the no. Because you actually do wanna consider sorry.\n\nYou do wanna consider adding additional contributions as well as don't you if that's possible.\n\nChannel 1: Yeah. If it's possible, I just I think we\n\nChannel 0: Yeah.\n\nChannel 1: started with 50 a fortnight just because I was a bit hesitant.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But really not when I looked at it, my actual amount, I'm only getting paid, like, $34 less. So I think\n\nChannel 0: Yeah.\n\nChannel 1: because I'm paying less tax, it's\n\nChannel 0: Yes.\n\nChannel 1: I'm really noticing that $50 extra in the fortnight.\n\nChannel 0: Yeah. Yeah. And that was kind of the one thing we did talk about with before was just starting small, letting you see the difference in your budget, and then getting comfortable while increasing that down the track as well. So, yeah, absolutely.\n\nChannel 1: Yes.\n\nChannel 0: I love the idea of building on that and increasing it when you are comfortable to do so. And\n\nChannel 1: Yes.\n\nChannel 0: it is the difference in tax. So instead of your marginal tax rate, that money is being taxed at 15%. And because that's a pretax, it's a pretax deduction that comes out of your income, you're essentially not losing the full $50. It's only that 34\n\nChannel 1: Yeah.\n\nChannel 0: on a\n\nChannel 1: Yeah.\n\nChannel 0: fortnightly basis. So that's fantastic. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: Yes. I'm fine\n\nChannel 0: And\n\nChannel 1: with that. I think it's better. And\n\nChannel 0: it's\n\nChannel 1: then I'm getting wasted\n\nChannel 0: yeah.\n\nChannel 1: on\n\nChannel 0: No. Absolutely. That I love that. That's fantastic. Now you also mentioned to me that you do have a bit of a budget that you do as well that you just sort of need to update and rejig with any changes.\n\nDo you do\n\nChannel 1: Yeah.\n\nChannel 0: have when was the last time you kinda looked at your budget plan and redid your budget?\n\nChannel 1: Probably about six months ago, but the issue\n\nChannel 0: Yep.\n\nChannel 1: with me guessing the budget is that last time, it all looked really good, but Yanni's savings kind of went down more than I expected.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: I think I don't actually I think I'm estimating, but when I when I I haven't actually pulled the numbers out of his. I haven't actually done his you know you know, when you, like, take your bank and you say, okay. This is how much percentage. As as in I've spent\n\nChannel 0: Yep.\n\nChannel 1: this on, you know, going out and this much on the movies and this much. I I just\n\nChannel 0: Yeah.\n\nChannel 1: we just kind of estimated, but I think I underestimated. So I think what I'm gonna\n\nChannel 0: Okay.\n\nChannel 1: do next six months is actually pull a report that has his actual statement.\n\nChannel 0: Yep. Yep. And this is sort of go through the fine tooth comb and highlight all the things and add them up and get a bit more\n\nChannel 1: Yeah.\n\nChannel 0: of a a clearer view. Yep.\n\nChannel 1: Yeah. Because I think it's more just about cash flow. We are planning to maybe try for a baby in the next, I don't know, six to twelve months.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: fantastic.\n\nChannel 1: Friday. Honestly, we can. I don't know. But in\n\nChannel 0: Yeah.\n\nChannel 1: that in that is kind of why I'm trying to get the budget a little bit better because, yeah, he's still on work cover and needs to he's still looking for a job and all that. So it's\n\nChannel 0: Yeah.\n\nChannel 1: more just will we be alright to start that process, or should I wait until he gets a job? But that's all\n\nChannel 0: Yes.\n\nChannel 1: I think with the budget. I can kind of work that out a bit more.\n\nChannel 0: Yep. Yeah. Absolutely. I mean, I'm so excited for that. That is fantastic and very exciting for you.\n\nI with that, are you would you be then willing wanting to sort of take that twelve month maternity leave off, and will that\n\nChannel 1: Yeah.\n\nChannel 0: affect your cash flow, or are you sort of wanting to have enough savings aside to give you a bit of a buffer at that point as well if that is in, say, one to two years?\n\nChannel 1: Yeah. That's what we were planning to do. I was planning to put aside I was hoping that we both would have, you know, kind of thirty to fifty k in buffer so that we\n\nChannel 0: Mhmm.\n\nChannel 1: are both okay, you know, for that\n\nChannel 0: Yep.\n\nChannel 1: process. Because if we do do this build, then I need loan repayments and all that until the until it's ready to rent out. So\n\nChannel 0: Yes.\n\nChannel 1: I've I've selected I need about 30,000 for the loan repayments in the interim\n\nChannel 0: Yes.\n\nChannel 1: between, you know, construction and build finalizing.\n\nChannel 0: Yes.\n\nChannel 1: And then so I'll need that. And then I was hoping to have about 30 to 50 each on top of that so that we're kind of that we'll still manage if Yanni still doesn't get a job trying to.\n\nChannel 0: Yeah. And how's he going with the job hunt at the moment? Is anything sort of popping up, or he's still looking?\n\nChannel 1: Yeah. In WorkCover, I kind of taken charge of this role that they're kind of potentially offering him, but\n\nChannel 0: Yep.\n\nChannel 1: it's through Chisholm and it's like a mentoring program for him to be the trade school teacher that he's studying for.\n\nChannel 0: Yep.\n\nChannel 1: But it's\n\nChannel 0: Yep.\n\nChannel 1: not a really quick process. Like, this whole process has already taken eight months, and\n\nChannel 0: Yeah. Wow.\n\nChannel 1: they're kind of going back and forth and saying, oh, you've gotta update this. You've gotta update that. Now we're gonna do a meet and greet. And it's like they're kinda saying it's his, but kind of just delaying it so long that we're kinda, like isn't it doesn't really a bit hard to navigate. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: But\n\nChannel 0: think\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: think it'll\n\nChannel 0: work cover,\n\nChannel 1: have\n\nChannel 0: they'd\n\nChannel 1: to\n\nChannel 0: be trying to get it sorted.\n\nChannel 1: I know. Especially because his work covers ending in November, so\n\nChannel 0: Yes.\n\nChannel 1: it's kind of like they have a KPI or something to get him into a job before then.\n\nChannel 0: Right. Okay.\n\nChannel 1: But I think they'll probably push a bit harder closer to the time, but they're just kind of I'm trying to do a little bit here and there in the interim.\n\nChannel 0: Yeah. Okay. Well, hopefully, that all comes up fairly soon\n\nChannel 1: And\n\nChannel 0: for\n\nChannel 1: you're\n\nChannel 0: you.\n\nChannel 1: close. Yeah.\n\nChannel 0: Yeah. Sounds good. It sounds like he's ready to go back to work as\n\nChannel 1: Oh,\n\nChannel 0: well.\n\nChannel 1: he's\n\nChannel 0: It\n\nChannel 1: desperate.\n\nChannel 0: can take a\n\nChannel 1: Yeah.\n\nChannel 0: lot.\n\nChannel 1: He's\n\nChannel 0: Yeah.\n\nChannel 1: desperate. Poor thing.\n\nChannel 0: Oh,\n\nChannel 1: But yeah.\n\nChannel 0: understandable. No. Absolutely. And so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently?\n\nChannel 1: Yeah. Yeah. That's in our both of our names together.\n\nChannel 0: Yep. Okay.\n\nChannel 1: If if it goes ahead. But yeah.\n\nChannel 0: If it goes ahead. Yeah. No. Absolutely. Fantastic.\n\nWell, I think I think we're definitely on the right track with things. We'll definitely need to come back and just maybe have that conversation when we know\n\nChannel 1: Right.\n\nChannel 0: what's\n\nChannel 1: It'll\n\nChannel 0: happening\n\nChannel 1: be\n\nChannel 0: with\n\nChannel 1: after\n\nChannel 0: the property.\n\nChannel 1: September.\n\nChannel 0: If you if you happen to get guidance or you make a decision earlier than the current time frame you have, let us know. We can book you back in, and we can continue the conversation and really not out what you know, get the plan moving. But I think just because it is encompassing your whole circumstances for the both of you, it is definitely worth coming back and looking at everything once we know exactly what's happening with the property. That way the plan is in your best interest and doesn't have to be changed really quickly in the next few months. And\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: That's right.\n\nChannel 0: with the both of you, with yourself and Yanni to make sure that it is, you know, encompassing both of your circumstances because it does affect both of you at the end of the day. If you like, I will send out an email to you shortly just with maybe any additional questions I might have that we haven't touched on or if anything comes up by things of. And\n\nChannel 1: Mhmm.\n\nChannel 0: just with a couple of things for you to sort of talk about, look at your goals long term, some things that you guys can maybe not over.\n\nChannel 1: Alright.\n\nChannel 0: And, yeah, if you wanted to maybe, when we get closer to that call, send me through a copy of your budget planner, that would definitely help with looking at what your expendable income looks like and when\n\nChannel 1: Of\n\nChannel 0: money\n\nChannel 1: course.\n\nChannel 0: is definitely coming and going if that helps. Is that okay?\n\nChannel 1: Yeah. Of course. Yeah. I'm hoping\n\nChannel 0: Yep.\n\nChannel 1: to get done in the next month or two.\n\nChannel 0: Beautiful. Lovely. And we'll set up Sarah's road map. This is gonna be Sarah and Yanni's five year plan, so we'll we'll call it that.\n\nChannel 1: Yeah. That sounds so good.\n\nChannel 0: No. Excellent. I'm really happy that that you reached out to look at doing this. This is something that I love, and I definitely wanna help both of you along the way. I know I have been speaking with Yanni about his side of things.\n\nChannel 1: Oh,\n\nChannel 0: We are\n\nChannel 1: that's\n\nChannel 0: unable\n\nChannel 1: Sure.\n\nChannel 0: to proceed\n\nChannel 1: Oh,\n\nChannel 0: to yeah. We're unable to sorry. Help with advice around a lot of his stuff at the moment just because he is in the process of looking for work and, again, just making\n\nChannel 1: yep.\n\nChannel 0: sure\n\nChannel 1: Yep.\n\nChannel 0: that he's able to get that job and that sort of encompasses his circumstances. But like I said to him, it's not a no. It's just a not now. Let's do everything in best interest. We don't wanna provide some advice and then find it's no longer in best interest, so we need to go back and readjust everything.\n\nI do like to make sure that everything is in your best interest. And sometimes going a little bit slower with the plan is really perfect. If we rush it, it could be detrimental to both of you.\n\nChannel 1: Yes.\n\nChannel 0: So I do like\n\nChannel 1: Yes.\n\nChannel 0: to make sure that that is how I do my job and that I'm working. It's just a lot of money. This is your this is your goals, and this is really\n\nChannel 1: Yeah.\n\nChannel 0: important to get right. So yeah.\n\nChannel 1: Yeah. That sounds good. Amazing. Well, that\n\nChannel 0: Yeah.\n\nChannel 1: sounds great. Thanks so much.\n\nChannel 0: That's okay. I'll send that email out shortly. If anything else comes up or any other questions pop up or you want some additional information, let me know.\n\nChannel 1: Mhmm.\n\nChannel 0: At this point, you mentioned this is all supposed to happen around about September. Is that right?\n\nChannel 1: Yeah. Settlement for the land will happen September 16 if\n\nChannel 0: Yep.\n\nChannel 1: all goes well, and then we'll plan for the construction loan after the working drawings and engineering and everything's ready to go.\n\nChannel 0: Okay. When do you think you'll understand the construction loan and have all of that sort of ready to go? When what sort of time frame do you estimate for that?\n\nChannel 1: I was thinking it would take probably another two months after settlement. So it'll probably\n\nChannel 0: Yep.\n\nChannel 1: be ready November maybe, but it might be earlier depending on how quick council come back.\n\nChannel 0: Okay. Yep. No. That's okay. Not a problem.\n\nWell, if it's okay, what I'll do is I might get Samantha just to give you a buzz. She's my admin team member around about the September 16 to see how everything's\n\nChannel 1: Yep.\n\nChannel 0: going with the settlement side of things and just to\n\nChannel 1: Mhmm.\n\nChannel 0: sort of touch base on how the loan and the construction side of things is going as well just so we can really understand\n\nChannel 1: Mhmm.\n\nChannel 0: when we provide the advice exactly what the loan's supposed to look like, how long that construction is supposed to take, and what your loan payments and draw downs and things look like. Because construction loans are fun, and they have stages.\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Or if you decide to pull out and decide not to go down that route, let us know earlier. But then we\n\nChannel 1: Yep.\n\nChannel 0: can kinda go from there and work out when we when we have that next conversation. Is does that sound okay?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yep. Beautiful. All good. And, look, in the meantime, if anything else comes up or you change your plans or if you just wanna, you know, have more of a conversation around it, let me know. I'm more than happy to sort of adjust the time frame.\n\nJust wanna make sure that we're not, you know, pushing everything through before it needs to happen and allow you to go through all the changes that you have coming up over the next few months. It sounds like a lot of things are occurring with the sale of property purchase of the new one possible\n\nChannel 1: Oh,\n\nChannel 0: with\n\nChannel 1: yes.\n\nChannel 0: Janice's job.\n\nChannel 1: Yeah. Yeah. There's a few things. Right? This is exciting.\n\nChannel 0: It's gonna be a busy few months. Yeah.\n\nChannel 1: Yeah. Yeah. Hopefully.\n\nChannel 0: All good. Are\n\nChannel 1: Yeah.\n\nChannel 0: you expecting\n\nChannel 1: Sounds good.\n\nChannel 0: any kind of pay rise as well coming up over the next few months, do you think? Or\n\nChannel 1: Oh, yes. In September, I will go up. Well, what do I got to? About a 100 and 11, I think. I think it's,\n\nChannel 0: mhmm.\n\nChannel 1: like,\n\nChannel 0: Okay.\n\nChannel 1: maybe four. What am I currently on? $1.00 6, I think. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it goes up 5,000 maybe for the year.\n\nChannel 0: Okay. Beautiful. Lovely. Well, what I'll do is I'll get Sammy to touch touch base around about September. We'll we'll sort\n\nChannel 1: Mhmm.\n\nChannel 0: of see where things are going and whether we kind of book in and go for the chat then or whether we just hold off a little bit longer to get the construction loan in place.\n\nChannel 1: Yeah.\n\nChannel 0: But if if you find that that's too long, you wanna have that conversation beforehand, just email me. You've got my details or give us a call, and we'll book you in to have that conversation. In the meantime, I'll keep touching base with Yani and see how things are going for him as well. Okay.\n\nChannel 1: Sounds great. Alright. Thanks so much for your help.\n\nChannel 0: That's okay. Not a problem at all. Looking forward to putting this together for you, Sarah. Can't wait.\n\nChannel 1: That's it. Thanks. Have a good night.\n\nChannel 0: You too. Thank you for your time. See\n\nChannel 1: Thanks.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03112303838133812},{"text":"Just","start":3.1399999,"end":3.6399999,"sentiment":"neutral","sentiment_score":0.07315036654472351}],"sentiment":"neutral","sentiment_score":0.052136702463030815,"channel":1,"num_words":2,"start":0.39999998,"end":3.6399999},{"sentences":[{"text":"Hi, Sarah.","start":7.2,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.09339528903365135},{"text":"It's Dana from","start":7.9199996,"end":8.72,"sentiment":"neutral","sentiment_score":0.0927371084690094}],"sentiment":"neutral","sentiment_score":0.09300038069486619,"channel":0,"num_words":5,"start":7.2,"end":8.72},{"sentences":[{"text":"hello?","start":8.62,"end":9.12,"sentiment":"neutral","sentiment_score":0.07562964409589767}],"sentiment":"neutral","sentiment_score":0.07562964409589767,"channel":1,"num_words":1,"start":8.62,"end":9.12},{"sentences":[{"text":"OKIE Financial.","start":8.72,"end":9.62,"sentiment":"neutral","sentiment_score":0.11660777032375336},{"text":"How are you this afternoon?","start":9.679999,"end":10.9,"sentiment":"neutral","sentiment_score":0.22433044612407685}],"sentiment":"neutral","sentiment_score":0.19355253875255585,"channel":0,"num_words":7,"start":8.72,"end":10.9},{"sentences":[{"text":"Good.","start":11.36,"end":11.84,"sentiment":"positive","sentiment_score":0.5208767652511597},{"text":"How are you?","start":11.84,"end":12.66,"sentiment":"positive","sentiment_score":0.36107269922892254}],"sentiment":"positive","sentiment_score":0.4010237157344818,"channel":1,"num_words":4,"start":11.36,"end":12.66},{"sentences":[{"text":"I'm very well.","start":12.975,"end":13.775001,"sentiment":"positive","sentiment_score":0.7054437597592672},{"text":"Thank you.","start":13.775001,"end":14.255,"sentiment":"positive","sentiment_score":0.7743440568447113},{"text":"I had you booked in for a bit of a catch up this afternoon looking at getting some updated advice.","start":14.255,"end":18.675,"sentiment":"positive","sentiment_score":0.3749764934182167},{"text":"Is now still a good time there for you?","start":18.735,"end":20.915,"sentiment":"positive","sentiment_score":0.3900138172838423}],"sentiment":"positive","sentiment_score":0.43160804755547466,"channel":0,"num_words":34,"start":12.975,"end":20.915},{"sentences":[{"text":"Yeah.","start":21.224998,"end":21.545,"sentiment":"neutral","sentiment_score":0.25791817903518677},{"text":"Perfect.","start":21.545,"end":22.045,"sentiment":"positive","sentiment_score":0.49447721242904663}],"sentiment":"positive","sentiment_score":0.3761976957321167,"channel":1,"num_words":2,"start":21.224998,"end":22.045},{"sentences":[{"text":"Yeah.","start":22.815,"end":23.215,"sentiment":"positive","sentiment_score":0.381282240152359},{"text":"Fantastic.","start":23.215,"end":23.715,"sentiment":"positive","sentiment_score":0.6473802328109741},{"text":"How's your day been so 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The speaker emphasizes the importance of working out goals and tracking progress, including updating the budget and exploring investment options. They also discuss the benefits of working out retirement goals and long-term wealth strategies, including diversifying the portfolio and reducing risk. The customer is interested in working for a new job and the agent advises them to make sure everything is in their best interest. The agent will follow up with the customer to discuss the budget planner and pay increases."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up this afternoon looking at getting some updated advice. Is now still a good time there for you? Yeah. Perfect.","start_word":24,"end_word":54,"intents":[{"intent":"Check availability of advice","confidence_score":0.00056936126}]},{"text":"And just to do security there with you as well, we are discussing your personal information. 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Yeah.","start_word":257,"end_word":293,"intents":[{"intent":"Discuss financial goals","confidence_score":0.30714747}]},{"text":"Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals?","start_word":296,"end_word":334,"intents":[{"intent":"Express intent to boost super super","confidence_score":0.00041477033}]},{"text":"Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals? What is sort of your goal with that?","start_word":296,"end_word":342,"intents":[{"intent":"Inquire about retirement goals","confidence_score":0.044953097}]},{"text":"So I guess for me, I'm hoping to pay down or kind of redirect or do a bit of a budget and savings target to pay off some of the investment properties that we have, Okay.","start_word":344,"end_word":379,"intents":[{"intent":"Plan investment property purchase","confidence_score":0.021637814}]},{"text":"the loan that You can you do leave it have, out. what the You know? repayments are. Yeah.","start_word":730,"end_word":747,"intents":[{"intent":"Discuss loan plans","confidence_score":0.00030877444},{"intent":"Clarify loan plan","confidence_score":0.0012127772}]},{"text":"It's more just if we look at doing that now, we're not really looking at exactly what the interest rates are, what the loan looks like, or anything down the track.","start_word":842,"end_word":872,"intents":[{"intent":"Discuss interest rates","confidence_score":0.2206879}]},{"text":"So I would be looking to incorporate everything together if that's okay with you.","start_word":1027,"end_word":1040,"intents":[{"intent":"Consolidate loan details","confidence_score":0.005151239}]},{"text":"So I would be looking to incorporate everything together if that's okay with you. Mhmm.","start_word":1027,"end_word":1041,"intents":[{"intent":"Integrate information","confidence_score":0.024445495}]},{"text":"have current we do currently have two investment properties, one in Queensland, one in Victoria, and then we have one principal place of residence in Victoria as well. So Okay.","start_word":1052,"end_word":1081,"intents":[{"intent":"Describe investment properties and principal residence in victoria","confidence_score":0.000014309797}]},{"text":"And is that the one that you're looking to sell? Which one are you selling?","start_word":1117,"end_word":1131,"intents":[{"intent":"Sell property","confidence_score":0.8468116}]},{"text":"And is that the one that you're looking to sell? Which one are you selling? Yeah.","start_word":1117,"end_word":1132,"intents":[{"intent":"Identify property","confidence_score":0.027410267}]},{"text":"You've got my Yeah. one That's my principal the principal Queensland and one. Yeah. my yeah.","start_word":1176,"end_word":1191,"intents":[{"intent":"Confirm ownership","confidence_score":0.00049803086}]},{"text":"How much are you sort of expecting to sell this property in Victoria for when it does sell?","start_word":1244,"end_word":1261,"intents":[{"intent":"Confirm location","confidence_score":0.0068546277},{"intent":"Provide property price","confidence_score":0.00014181675},{"intent":"Confirm property size","confidence_score":0.001598262},{"intent":"Determine sales price","confidence_score":0.000052508938}]},{"text":"How much are you sort of expecting to sell this property in Victoria for when it does sell? Probably somewhere between 700 and $7.20 is the Okay. point. Yeah. Yep. Beautiful. So 700 to $7.20. Well, hopefully, you get on the higher end of that. That'd be fantastic. Yes.","start_word":1244,"end_word":1292,"intents":[{"intent":"Express interest rate","confidence_score":0.0045088762}]},{"text":"What you could And do you have a loan on that one still at the moment? yeah.","start_word":1293,"end_word":1309,"intents":[{"intent":"Inquire about loan loan amount","confidence_score":0.002764775},{"intent":"Ask about loan plan","confidence_score":0.0014483719},{"intent":"Determine loan amount","confidence_score":0.00029769543},{"intent":"Inquire about loan amount","confidence_score":0.1186762}]},{"text":"And so have you found a property? I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house.","start_word":1320,"end_word":1372,"intents":[{"intent":"Clarify property type","confidence_score":0.025187321}]},{"text":"And so have you found a property? I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house. What's kind of the the house that you're looking to build? What's the sort of the outcome look like?","start_word":1320,"end_word":1391,"intents":[{"intent":"Identify property type","confidence_score":0.010963916}]},{"text":"I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house.","start_word":1327,"end_word":1372,"intents":[{"intent":"Discuss property build","confidence_score":0.00016787743},{"intent":"Inquire about house builder","confidence_score":0.000021694894}]},{"text":"I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house. What's kind of the the house that you're looking to build?","start_word":1327,"end_word":1383,"intents":[{"intent":"Determine house plans","confidence_score":0.0017975721}]},{"text":"What's kind of the the house that you're looking to build?","start_word":1373,"end_word":1383,"intents":[{"intent":"Confirm house type","confidence_score":0.0019907125}]},{"text":"if the council knock back and tell us that we have to have only two, then we'll we'll Yeah. withdraw. Yeah.","start_word":1412,"end_word":1432,"intents":[{"intent":"Confirm intention to withdraw funds","confidence_score":0.00009414647}]},{"text":"I think I was just if it doesn't go ahead, I think we were just gonna redirect the money into the principal place of residence and try and get that loan Okay. down.","start_word":1467,"end_word":1499,"intents":[{"intent":"Redirect money","confidence_score":0.6557618}]},{"text":"down.","start_word":1498,"end_word":1498,"intents":[{"intent":"Pay down down","confidence_score":0.27471194}]},{"text":"I think I'm happy to increase it more if there's room for it. Yep.","start_word":1712,"end_word":1725,"intents":[{"intent":"Increase super","confidence_score":0.17042658}]},{"text":"I just think we might need to do a bit of a better review of that. And Yep.","start_word":1822,"end_word":1839,"intents":[{"intent":"Review budget","confidence_score":0.42025536}]},{"text":"So, no, one of the things that you kinda mentioned in email was, you know, looking forward to doing this five year plan and sort of looking at where you're going and heading and tracking was in relation to the email that we sent out with Tom's That's right.","start_word":1863,"end_word":1911,"intents":[{"intent":"Review plan performance","confidence_score":0.00007047996}]},{"text":"Are you wanting to sort of look at building kind of investment portfolios outside of super very similar to your super, or are you more just looking at having your super there and then focusing on property outside of your super? What's your sort of thoughts with that? Sorry.","start_word":2368,"end_word":2416,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.19312032}]},{"text":"Is that kind of where your thoughts are? Yeah. Yeah. Absolutely. We would Yep. keep it good. Yep. It's more just I hadn't really thought that much about the exit plan. I was just thinking, oh, this is a good as in Yeah.","start_word":2967,"end_word":3009,"intents":[{"intent":"Evaluate a strategy","confidence_score":0.0008775589}]},{"text":"So all of those definitely do factor in.","start_word":3231,"end_word":3238,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.024668554}]},{"text":"All these conversations end up with, like, a lot more questions, and I do No. apologize.","start_word":3415,"end_word":3430,"intents":[{"intent":"Address customer concerns","confidence_score":0.00020472634}]},{"text":"Moving forward, they wanna charge a fee for, like, an upfront fee for implementing or providing advice around a property and things like that. But I'm gonna scrap that for you because we're having this conversation now, and that fee structure hasn't yet been placed in force.","start_word":3817,"end_word":3863,"intents":[{"intent":"Discuss fee structure","confidence_score":0.15804198}]},{"text":"If there are any kind of investments that we do set up within, say, platforms like your super, we do charge an implementation and an ongoing fee for monitoring It is very Yeah.","start_word":3877,"end_word":3909,"intents":[{"intent":"Discuss investments","confidence_score":0.5864995}]},{"text":"You do wanna consider adding additional contributions as well as don't you if that's possible. Yeah.","start_word":4092,"end_word":4107,"intents":[{"intent":"Suggest additional contributions","confidence_score":0.017354399}]},{"text":"But really not when I looked at it, my actual amount, I'm only getting paid, like, $34 less. So I think Yeah.","start_word":4131,"end_word":4152,"intents":[{"intent":"Clarify cost savings","confidence_score":0.0016471663}]},{"text":"have when was the last time you kinda looked at your budget plan and redid your budget?","start_word":4354,"end_word":4370,"intents":[{"intent":"Discuss budget plan and estimate","confidence_score":0.000469005}]},{"text":"I think with the budget. I can kind of work that out a bit more. Yep. Yeah.","start_word":4649,"end_word":4665,"intents":[{"intent":"Manage budget","confidence_score":0.0035075082}]},{"text":"they're kind of going back and forth and saying, oh, you've gotta update this. You've gotta update that. Now we're gonna do a meet and greet. And it's like they're kinda saying it's his, but kind of just delaying it so long that we're kinda, like isn't it doesn't really a bit hard to navigate. Yeah. Yeah.","start_word":4961,"end_word":5017,"intents":[{"intent":"Update information","confidence_score":0.08626966},{"intent":"Update information","confidence_score":0.22474147}]},{"text":"But I think they'll probably push a bit harder closer to the time, but they're just kind of I'm trying to do a little bit here and there in the interim. Yeah.","start_word":5070,"end_word":5101,"intents":[{"intent":"Consider option","confidence_score":0.000029301546}]},{"text":"No. Absolutely. And so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently? Yeah. Yeah. That's in our both of our names together. Yep. Okay. If if it goes ahead. But yeah. If it goes ahead. Yeah. No. Absolutely. Fantastic.","start_word":5150,"end_word":5214,"intents":[{"intent":"Confirm understanding","confidence_score":0.0041777273}]},{"text":"And so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently? Yeah.","start_word":5152,"end_word":5188,"intents":[{"intent":"Clarify partnership","confidence_score":0.00032747057},{"intent":"Negotiate agreement","confidence_score":0.0009540608}]},{"text":"And we'll set up Sarah's road map. This is gonna be Sarah and Yanni's five year plan, so we'll we'll call it that. Yeah.","start_word":5532,"end_word":5555,"intents":[{"intent":"Set up a five-year plan","confidence_score":0.0021914016}]},{"text":"Help with advice around a lot of his stuff at the moment just because he is in the process of looking for work and, again, just making yep.","start_word":5620,"end_word":5647,"intents":[{"intent":"Provide advice","confidence_score":0.26783916}]},{"text":"We don't wanna provide some advice and then find it's no longer in best interest, so we need to go back and readjust everything. I do like to make sure that everything is in your best interest. And sometimes going a little bit slower with the plan is really perfect. If we rush it, it could be detrimental to both of you. Yes.","start_word":5685,"end_word":5747,"intents":[{"intent":"Rereadjust plan","confidence_score":0.006902681}]},{"text":"Settlement for the land will happen September 16 if Yep. all goes well, and then we'll plan for the construction loan after the working drawings and engineering and everything's ready to go. Okay.","start_word":5852,"end_word":5884,"intents":[{"intent":"Plan construction loan plan","confidence_score":0.0000965155}]},{"text":"When do you think you'll understand the construction loan and have all of that sort of ready to go?","start_word":5885,"end_word":5903,"intents":[{"intent":"Understand construction loan","confidence_score":0.5258688}]},{"text":"I was thinking it would take probably another two months after settlement. So it'll probably Yep. be ready November maybe, but it might be earlier depending on how quick council come back. Okay.","start_word":5915,"end_word":5947,"intents":[{"intent":"Estimate time frame","confidence_score":0.11468325}]},{"text":"Well, if it's okay, what I'll do is I might get Samantha just to give you a buzz. She's my admin team member around about the September 16 to see how everything's Yep.","start_word":5955,"end_word":5987,"intents":[{"intent":"Get samantha","confidence_score":0.07665887}]}]},"sentiments":{"segments":[{"text":"Hello? Just Hi, Sarah. It's Dana from hello? OKIE Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.122832752764225},{"text":"Good. How are you? I'm very well. Thank you. I had you booked in for a bit of a catch up this afternoon looking at getting some updated advice. Is now still a good time there for you?","start_word":15,"end_word":52,"sentiment":"positive","sentiment_score":0.44306448101997375},{"text":"Yeah.","start_word":53,"end_word":53,"sentiment":"neutral","sentiment_score":0.25791817903518677},{"text":"Perfect. Yeah. Fantastic. How's your day been so far?","start_word":54,"end_word":62,"sentiment":"positive","sentiment_score":0.4365859627723694},{"text":"Yeah. I don't see that. Just worked from pretty good. How's yours been? Yeah. Really good. Really busy, but that's okay.","start_word":63,"end_word":83,"sentiment":"neutral","sentiment_score":0.10126231610774994},{"text":"Oh, We really love busy.","start_word":84,"end_word":88,"sentiment":"positive","sentiment_score":0.3385913074016571},{"text":"it. Okay. Yeah. No. All good. Before we jump into the call there, Sarah, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. No problem. Yeah.","start_word":89,"end_word":129,"sentiment":"neutral","sentiment_score":0.08774732053279877},{"text":"Fantastic.","start_word":130,"end_word":130,"sentiment":"positive","sentiment_score":0.569668173789978},{"text":"And just to do security there with you as well, we are discussing your personal information. So just need Mhmm. to confirm your full name, your address, and date of birth I should have on file for you. Yeah. So it's Sarah Bethany Bellen. 20 Dale 0 Crescent, Crabbard North. And what else is new? My date of birth. Twenty fourth of the second nineteen ninety two. Yeah.","start_word":131,"end_word":198,"sentiment":"neutral","sentiment_score":0.09253112971782684},{"text":"Perfect. Thank you so much for that.","start_word":199,"end_word":205,"sentiment":"positive","sentiment_score":0.618920624256134},{"text":"So, Sarah, in your email and with your chat with Jack there, you kind of mentioned that you're wanting to look at getting your Tom scenario and finding your way forward and looking at advice. You're sort of looking to be financially free in the next ten years. Is that right? Well, that's super ambitious of me. I would, yeah, I would say, like, maybe fifteen or twenty. But I would love to have, like, a five or ten year plan and kinda Yep. work towards it. Yeah. Yeah. Absolutely. Are you sort of looking at trying to be able to invest outside of super or as well, or are you sort of looking to just, you know, boost your super as much as possible towards your retirement goals? What is sort of your goal with that? So I guess for me, I'm hoping to pay down or kind of redirect or do a bit of a budget and savings target to pay off some of the investment properties that we have, Okay. or we are in the middle of selling one of them and purchasing another. So it's Yep. just kind of working out, like, the best plan for that. Okay. Yeah. That that's what I was thinking. Yep. And, yeah, super as well. But I was hoping to maybe retire Okay. before 60, use some of the investment property, like, kinda have a plan for that. Yep. Yeah. That's okay. Not a problem at all. So because you are looking to purchase a new investment property, Mhmm. your when's that kind of all happening and going through? So we've secured the land and settled Mhmm. in is booked for the sixteenth of September of this year. All being well that due diligence goes through council, and council approves the plans. Mhmm. If they don't approve the plans, then we will withdraw from the contract because Yeah. we only want it if we can build a certain type of home on there. Yeah. Yeah. So all that going ahead, it'll happen in September. If Okay. not, we will withdraw. Yeah. Okay. No worries at all. And so with the the cash flow and budgeting side of things, you're are you sort of wanting us to sort of give you an idea of how to pay down your current investment property? Are you wanting to incorporate the new property as well and maybe reducing that loan over the next sort of five to ten years, or what Yeah. just to kinda break down what Yeah. you're after? I Yep. guess the plan first is to kind of hopefully secure this site and the build and all that to go ahead and then to kind of work on our principal place of residence. And then after that, start paying down the investment properties over time. Yep. Okay. No worries at all. So, realistically, in order to kinda provide that kind of advice, we do need to understand a lot about the loan. And so if we're incorporating that new investment property, we'll need to make sure that you have that property first, understand Yes. the loan that You can you do leave it have, out. what the You know? repayments are. Yeah. Yes. So that realistically, the advice you're after, I would have to probably just put off for a little while until you've got that property in place and that you've kind of got, you know, those loans all set up and ready to go with your repayment schedules and have a look Mhmm. then at, you know, what you're repaying, how you can best structure it. You know, if you're repaying more, what does that look like over the next sort of five to ten years? Does that make sense? Yeah. It makes sense. Yeah. It's more just if we look at doing that now, we're not really looking at exactly what the interest rates are, what the loan looks like, or anything down the track. It's sort of just an estimated, you know, an estimated valuation, estimated look at the loan and how that might look. Whereas between now and then interest rates could definitely change. Everything could sort of change.","start_word":206,"end_word":908,"sentiment":"neutral","sentiment_score":0.08112769655268613},{"text":"And if you decide not to take that property and you pull out, that could definitely change the plan there as well.","start_word":909,"end_word":930,"sentiment":"negative","sentiment_score":-0.37353163957595825},{"text":"So I do try to sort of work on and make sure I am working on essentially accurate information. And if we look at doing that now and we sort of go, well, in the next year, in September, you're expecting to have this loan with this interest rate, and you do this. You'll put yourself in this position over the next five to ten years. When we get to that point, the plan could change, and we would have to update the advice and re sort of change it all based on your circumstances then. So I would be looking to incorporate everything together if that's okay with you. Mhmm. Yeah. Yeah. That's alright. So Yeah. we That's do okay. have current we do currently have two investment properties, one in Queensland, one in Victoria, and then we have one principal place of residence in Victoria as well. So Okay. Because I definitely have the Queensland one noted down here, but I don't have the one in Victoria. So, oh, okay. Yeah. You can yeah, add that that's one. okay. The investment property in Victoria. And is that the one that you're looking to sell? Which one are you selling? Yeah. That's one we're looking to sell. That one's in my husband's name. Okay. That's probably why I don't have it noted down here. That's okay. Yeah. That's fine. Easy. And that's in Yanni's name.","start_word":931,"end_word":1166,"sentiment":"neutral","sentiment_score":0.07917647258678483},{"text":"Beautiful.","start_word":1167,"end_word":1167,"sentiment":"positive","sentiment_score":0.49594494700431824},{"text":"So you've Lovely. got my one, don't you? You've got my Yeah. one That's my principal the principal Queensland and one. Yeah. my yeah. Yeah. Yeah. Yep. And the the PPI, yes, the main primary residence there. That was the one we had valued at 750,000 there. Yeah. And you had last time a loan of about 417,000 owing, and that you did have some offset in there as well. Yep. Yep. Yes.","start_word":1168,"end_word":1240,"sentiment":"neutral","sentiment_score":0.06434762477874756},{"text":"Beautiful. All good.","start_word":1241,"end_word":1243,"sentiment":"positive","sentiment_score":0.5521261096000671},{"text":"How much are you sort of expecting to sell this property in Victoria for when it does sell? Probably somewhere between 700 and $7.20 is the Okay. point. Yeah. Yep. Beautiful. So 700 to $7.20. Well, hopefully, you get on the higher end of that.","start_word":1244,"end_word":1288,"sentiment":"neutral","sentiment_score":0.09542464464902878},{"text":"That'd be fantastic.","start_word":1289,"end_word":1291,"sentiment":"positive","sentiment_score":0.5707366466522217},{"text":"Yes. What you could And do you have a loan on that one still at the moment? yeah. I think it's about 468,000. Yep. Yep.","start_word":1292,"end_word":1316,"sentiment":"neutral","sentiment_score":0.02154745906591415},{"text":"Beautiful. Fantastic. Excellent.","start_word":1317,"end_word":1319,"sentiment":"positive","sentiment_score":0.4739784598350525},{"text":"And so have you found a property? I mean, you said you got the the land, so you kind of know what you wanna build and where you wanna build this new property. You mentioned that you wanted to only sort of go ahead if you could build a certain type of house. What's kind of the the house that you're looking to build? What's the sort of the outcome look like? We just wanted to build a double story on the site and have Yeah. at least three bedrooms. So Yep. if the council knock back and tell us that we have to have only two, then we'll we'll Yeah. withdraw. Yeah. Yeah. Okay. And do you have sort of a backup plan on what you might do with the funds or where else you might buy if this doesn't kinda go ahead. Not really. I think I was just if it doesn't go ahead, I think we were just gonna redirect the money into the principal place of residence and try and get that loan Okay. down. Yeah. Yeah.","start_word":1320,"end_word":1500,"sentiment":"neutral","sentiment_score":-0.00898813538237871},{"text":"Absolutely. Perfect.","start_word":1501,"end_word":1502,"sentiment":"positive","sentiment_score":0.6092666983604431},{"text":"And are you sort of happy hoping to have the principal primary residence paid off by the time you get to the retirement years or in the Yeah. next sort of ten years? What's your goal Yeah. with paying that one down? Yeah. Probably just as soon as we can Yeah. in the next ten years would be great.","start_word":1503,"end_word":1561,"sentiment":"neutral","sentiment_score":0.16069738566875458},{"text":"Yeah. Beautiful. Lovely. And so your soup is working really well at the moment.","start_word":1562,"end_word":1575,"sentiment":"positive","sentiment_score":0.6218429207801819},{"text":"I did Yep. have a bit of a look in the last sort of three months there. Since we've made the changes and moved you into the SMA, it does look like your super is up by net of fees 8.12 percent.","start_word":1576,"end_word":1617,"sentiment":"neutral","sentiment_score":0.14433687925338745},{"text":"So that side of things is working really nicely for Yes. you. I'm good. Really happy with how that's sort of going.","start_word":1618,"end_word":1639,"sentiment":"positive","sentiment_score":0.5762507319450378},{"text":"Are you I know we did sort of talk about we've got the salary sacrifice there. Are you wanting to sort of build super a bit more and maybe make additional contributions into there as part of your long term plan, or are you sort of happy with what how that's structured and what's happening with Super at the moment and looking to maybe direct investments outside of Super a bit more? I think I'm happy to increase it more if there's room for it. Yep. I haven't I I've been asking Yani to see if we can go through the budget so that I can get a bit of an idea about how we can spend a little bit more because it's it Yep. looks like on paper that it's doing well, but I'm just not sure if if we're really in, like, a savings. As in we we do put away 250 a fortnight, both of us, Yep. do into a savings account. But Yep. I'm not sure if we're continuing to build enough savings is what I'm Yes. Yep. I just think we might need to do a bit of a better review of that. And Yep.","start_word":1640,"end_word":1839,"sentiment":"neutral","sentiment_score":0.0031519336625933647},{"text":"if there's room for adding to Super, I would absolutely love to because I think it's a good option. Absolutely.","start_word":1840,"end_word":1859,"sentiment":"positive","sentiment_score":0.6942274570465088},{"text":"Yeah. No. Definitely. So, no, one of the things that you kinda mentioned in email was, you know, looking forward to doing this five year plan and sort of looking at where you're going and heading and tracking was in relation to the email that we sent out with Tom's That's right. scenario.","start_word":1860,"end_word":1912,"sentiment":"neutral","sentiment_score":0.2554320991039276},{"text":"That was so good.","start_word":1913,"end_word":1916,"sentiment":"positive","sentiment_score":0.5786148905754089},{"text":"Yeah. Yeah. Yeah. And, look, Tom's scenario is very much doable, but Tom's scenario is also very much more to his circumstances. And one of the Yeah. big things Of course. with from scenario was that whenever he got pay rises, He's he income. directed that money into, yeah, he directed the difference into investing into his super and paying down his loans. At the end of that five years, with the way that scenario works I'm not sure if you read the whole thing, but when he kinda got to the end of that five years, he had growth assets of over $2,000,000. He still had a million dollars in loans, so he still did technically have loans on the property. But then Yes. it was also so his net assets was about 800,000. And that was a good amount of growth over the long term, and that was a combination of super as well as property. It doesn't kind of go into any detail as to whether there was any outside other investments there or not.","start_word":1917,"end_word":2094,"sentiment":"neutral","sentiment_score":0.09325370192527772},{"text":"But it definitely can work for yourself, and it's more about just working out what you're after, what your goals are, where you're tracking for, but also what you're comfortable with to work out, you know, where we go with that.","start_word":2095,"end_word":2135,"sentiment":"positive","sentiment_score":0.3452695906162262},{"text":"And I think incorporating both your properties, the new one as well as your current investment property and looking at your PPR is very much important because you are looking Yeah. at your total assets, which encompasses your super, all of your properties, any savings you have, and any other investments that you might have outside of super as well.","start_word":2136,"end_word":2195,"sentiment":"neutral","sentiment_score":0.214428186416626},{"text":"And we can absolutely incorporate those sorts of things for you. It's not a problem. I just think it's best to maybe do this whole plan when you've got your new property set up.","start_word":2196,"end_word":2229,"sentiment":"positive","sentiment_score":0.3640864193439483},{"text":"That way, you're sort of looking at everything as a whole. Otherwise, we go to the length of doing all of this now, and then it has to change in a few months' time with you depending on what happens Oh, yes. with that new property down the track there.","start_word":2230,"end_word":2279,"sentiment":"neutral","sentiment_score":0.11968011409044266},{"text":"But it is definitely something we can do.","start_word":2280,"end_word":2287,"sentiment":"positive","sentiment_score":0.4286932051181793},{"text":"Moving forward, I do have to let you know, moving forward, our fee structure is kinda changing. And for advice, our supervisor, they are gonna start charging for that as, like, an upfront Okay. fee. But for yourself, because the new fee structure is not in place and I'm having a conversation with you today, I'm gonna make sure that that is waived so you won't have to cover that. This will all kind Oh, of be that's incorporated. fine. Are you wanting to sort of look at building kind of investment portfolios outside of super very similar to your super, or are you more just looking at having your super there and then focusing on property outside of your super? What's your sort of thoughts with that? Sorry. If I was, I don't really know. I think I had originally thought about investing in shares, but it's just something Yeah.","start_word":2288,"end_word":2438,"sentiment":"neutral","sentiment_score":0.02676036022603512},{"text":"I don't feel comfortable doing on my own. Like, I have no idea how to do it, and I'm just not skilled in I haven't done any research in it.","start_word":2439,"end_word":2468,"sentiment":"negative","sentiment_score":-0.4352819323539734},{"text":"So Yeah. I No. feel That's like I'm okay. the best person to No. be doing it, and it would That's probably okay. stress me out. That's okay. Because just like you said, we do have access to investment portfolios and can build investments and have access to platforms like Hub twenty four for your super and or other platforms as well. So we can look at investing in shares and managed funds and things like that in your own name as well. It can also Okay. be done jointly if you wanted to have it done jointly with Yani. And I just need to make sure you're both sort of in that conversation so we can assess both your goals together.","start_word":2469,"end_word":2590,"sentiment":"neutral","sentiment_score":0.1257501095533371},{"text":"But, generally, that can also help with providing long term wealth strategies as well.","start_word":2591,"end_word":2604,"sentiment":"positive","sentiment_score":0.3897157609462738},{"text":"It's diversifying your portfolio so you have super where you can't really access that until the age of 60 if that's when you choose to retire. But then investing Yep. in your own name means you've got savings put aside and putting that into, say, a portfolio at a level that you're comfortable with to, a, be building wealth for the future for the next five to ten years to be able to draw down when and if you need to or to supplement and sort of, you know, have as well as the property depending on what your kind of goal is with the property long term. Are you guys Yeah. sort of thinking at the moment property wise, you're wanting to maybe hold it for a period of time and then sell it off and take capital, or are you planning to hold them into retirement to supplement your sleep? Or have you thought about long term goals with regard to the property? We I think I was planning to sell off Yes. Yes. prior to retirement, but if it was better to keep it and use the rental income as, Yep. you know, supplement income, If we Mhmm. did manage to pay off the loans, then that's fine too. But I haven't modeled any of the plans there. I just know that there's equity there and that, you know, I'd probably end up selling and just paying capital gains. Yeah. Yeah. No. That's okay. And, look, long term wise, as part of that plan, we can we can help you to model that sort of thing. That's what we do as advisers. We can model different scenarios, look at, you know, how how much it's being growing, look at what might be expected, and sort of see whether keeping it, whether you can pay the loan down to that point or whether it's, you know, expected to still have a loan at that point. Are you sort of thinking that you if you have the loan fully paid off by retirement, you might be more willing to keep them to supplement your super if they're more Yeah. positively geared? Is that kind of where your thoughts are? Yeah. Yeah.","start_word":2605,"end_word":2976,"sentiment":"neutral","sentiment_score":0.1016801147451324},{"text":"Absolutely. We would Yep. keep it good.","start_word":2977,"end_word":2983,"sentiment":"positive","sentiment_score":0.5306721925735474},{"text":"Yep. It's more just I hadn't really thought that much about the exit plan. I was just thinking, oh, this is a good as in Yeah. much me working because it's just not really I can't quite get to that amount when I'm working as when I can as when I buy a property. Yeah. Yeah. No. Absolutely. And, look, honestly, wage growth never seems to keep up with inflationary Okay.","start_word":2984,"end_word":3054,"sentiment":"neutral","sentiment_score":-0.07460141433796412},{"text":"or and property, especially over the last years, has just gone gangbusters.","start_word":3055,"end_word":3066,"sentiment":"negative","sentiment_score":-0.37311020493507385},{"text":"And I know there are certain Yeah. areas that have had a bit of a decline in recent months with property, but it means it's just a bit of a slump. It will come back. It will continue to grow. It's just a matter of making sure that we've got, you know, the right assets and we have a long term goal. So when we do look at sort of your scenario and look at the next sort of five to ten years, we do take your long term goals into play as well, sort of thinking about what you want in retirement because that does sort of help determine whether it's worth keeping the property longer than that five or ten years or whether it's worth selling it off, whether you pay the loan down completely and pay it off, or whether you just build enough capital to be able to sell it, cover the loan, and, you know, cement the gains there. So all of those definitely do factor in. And what I would probably suggest, if it's okay, is over the next, you know, couple of months between now and when you do get that next property sorted, sell this one and and get the next one started. Maybe just think about what it is long term. What what do you guys wanna achieve together? Do you wanna keep the properties and maybe supplement super? Are you wanting to maybe sell one or two of them off if it's preferable? Do you, you know, do you wanna what does financial freedom look to you was another really good question as well. So is it that you wanna, in the next ten years, have enough wealth beside you that you have the option to stop working full time, or do you just wanna sort of be able to maybe supplement half your income? What what that financial freedom kinda looks like to you and each of you and or both of you together, if that makes sense? Oh, yeah. That makes sense. Yeah. Yeah. Sorry. All these conversations end up with, like, a lot more questions, and I do No. apologize.","start_word":3067,"end_word":3429,"sentiment":"neutral","sentiment_score":0.11865312276942368},{"text":"That's that's good.","start_word":3430,"end_word":3432,"sentiment":"positive","sentiment_score":0.4231491684913635},{"text":"And and one thing I do sort of find, especially when we are talking, like, I'll do the advice to you, but a lot of this can affect Yanni as well, so it might be worth having that conversation with him. But sometimes when you both sort of sit down and work out what your go goals are versus his, there can be a bit of a difference. So then coming to you and you're right.","start_word":3433,"end_word":3508,"sentiment":"neutral","sentiment_score":0.16533924639225006},{"text":"Well, this is what I wanna achieve. What do you want?","start_word":3509,"end_word":3519,"sentiment":"positive","sentiment_score":0.4393489360809326},{"text":"And is there a middle ground we'd both be fairly comfortable with as well? Because it is really very common where you sort of sit down with couples, and they both have very different goals, and it's just about working at that middle ground with what's comfortable for both of you, if that makes sense. Yeah. Yeah. Yeah. Yeah.","start_word":3520,"end_word":3578,"sentiment":"neutral","sentiment_score":0.2121319025754929},{"text":"That sounds good. Good.","start_word":3579,"end_word":3582,"sentiment":"positive","sentiment_score":0.5288805365562439},{"text":"Yeah. So I'll just ask him. Okay. So it was kind of like do we wanna part, retire? Do we wanna, you know, Yep. continue working? Do we wanna invest in super kind of where do Yep. Yep. we wanna live? Yeah. Yeah. Do you want me to send you an email after the call breaking down some of those additional questions Oh, for yeah. you guys to think Yeah. about? Would that be easier? Yeah. Yeah. That'd be good. I'm trying to write it down, but I was like, oh, maybe I missed something. Yeah. No. You're absolutely fine.","start_word":3583,"end_word":3682,"sentiment":"neutral","sentiment_score":0.09093164652585985},{"text":"But, no, look, honestly, this sounds like a really great plan to put together. I'm really excited to help you and kinda look at the next five to ten years and see, you know, where you are tracking and what we can do to help. I do love that you read the email. I think that is fantastic.","start_word":3683,"end_word":3740,"sentiment":"positive","sentiment_score":0.6110621094703674},{"text":"Yeah. It definitely It's generated quite a bit of interest, and I think that's I important did it. because a lot of, yeah, a lot of people do just think we're here for super, and we're definitely not. But as I kinda said to you, I will make sure because we're speaking about this now that currently, there's no fee for any advice outside of super. So we'll make sure that that is, you know, continues. Moving forward, they wanna charge a fee for, like, an upfront fee for implementing or providing advice around a property and things like that. But I'm gonna scrap that for you because we're having this conversation now, and that fee structure hasn't yet been placed in force. So you have that on a recorded line here, Sarah.","start_word":3741,"end_word":3873,"sentiment":"neutral","sentiment_score":0.06737549390111651},{"text":"Oh, that's good.","start_word":3874,"end_word":3876,"sentiment":"positive","sentiment_score":0.4168258011341095},{"text":"If there are any kind of investments that we do set up within, say, platforms like your super, we do charge an implementation and an ongoing fee for monitoring It is very Yeah. much the same as your super 1.65%. Yes. We do tend to just take the balance and even the fee across both of them. So they're pro rataed across the super and the investment side of things. Okay. But I always as part of the advice, if that's the way we if that's the way you wanna kinda look with investing, I do kind of also show you that as part of the advice, do you get the option of taking it or not? It's completely up to you. But Yes. I just like to make sure I am being full, you know, transparent across the board with how the fee structure works and what, you know, what could be expected so you kind of know what you're walking into.","start_word":3877,"end_word":4039,"sentiment":"neutral","sentiment_score":0.17250102758407593},{"text":"But, yeah, I'm looking forward to putting this together. I think this could be really great, and I really do enjoy, you know, putting the five year plan together.","start_word":4040,"end_word":4068,"sentiment":"positive","sentiment_score":0.7140113711357117},{"text":"Did you are you comfortable just sort of scoping out the super side for the no. Because you actually do wanna consider sorry. You do wanna consider adding additional contributions as well as don't you if that's possible. Yeah. If it's possible, I just I think we Yeah. started with 50 a fortnight just because I was a bit hesitant. Yeah. Yeah. But really not when I looked at it, my actual amount, I'm only getting paid, like, $34 less. So I think Yeah. because I'm paying less tax, it's Yes. I'm really noticing that $50 extra in the fortnight. Yeah. Yeah. And that was kind of the one thing we did talk about with before was just starting small, letting you see the difference in your budget, and then getting comfortable while increasing that down the track as well.","start_word":4069,"end_word":4208,"sentiment":"neutral","sentiment_score":0.14166412949562074},{"text":"So, yeah, absolutely. Yes. I love the idea of building on that and increasing it when you are comfortable to do so.","start_word":4209,"end_word":4230,"sentiment":"positive","sentiment_score":0.6394279599189758},{"text":"And Yes. it is the difference in tax. So instead of your marginal tax rate, that money is being taxed at 15%. And because that's a pretax, it's a pretax deduction that comes out of your income, you're essentially not losing the full $50. It's only that 34 Yeah. on a Yeah. fortnightly basis.","start_word":4231,"end_word":4284,"sentiment":"neutral","sentiment_score":0.2651289403438568},{"text":"So that's fantastic.","start_word":4285,"end_word":4287,"sentiment":"positive","sentiment_score":0.6943858861923218},{"text":"Yeah.","start_word":4288,"end_word":4288,"sentiment":"neutral","sentiment_score":0.31110939383506775},{"text":"Yeah. Excellent.","start_word":4289,"end_word":4290,"sentiment":"positive","sentiment_score":0.414543092250824},{"text":"Yes. I'm fine And with that. I think it's better. And it's then I'm getting wasted yeah. on No. Absolutely.","start_word":4291,"end_word":4310,"sentiment":"neutral","sentiment_score":0.15792720019817352},{"text":"That I love that. That's fantastic.","start_word":4311,"end_word":4316,"sentiment":"positive","sentiment_score":0.6497840881347656},{"text":"Now you also mentioned to me that you do have a bit of a budget that you do as well that you just sort of need to update and rejig with any changes. Do you do Yeah. have when was the last time you kinda looked at your budget plan and redid your budget? Probably about six months ago, but the issue Yep. with me guessing the budget is that last time, it all looked really good, but Yanni's savings kind of went down more than I expected. Yeah. So Yeah. I think I don't actually I think I'm estimating, but when I when I I haven't actually pulled the numbers out of his. I haven't actually done his you know you know, when you, like, take your bank and you say, okay. This is how much percentage. As as in I've spent Yep. this on, you know, going out and this much on the movies and this much. I I just Yeah. we just kind of estimated, but I think I underestimated. So I think what I'm gonna Okay. do next six months is actually pull a report that has his actual statement. Yep. Yep. And this is sort of go through the fine tooth comb and highlight all the things and add them up and get a bit more Yeah. of a a clearer view. Yep. Yeah. Because I think it's more just about cash flow. We are planning to maybe try for a baby in the next, I don't know, six to twelve months.","start_word":4317,"end_word":4573,"sentiment":"neutral","sentiment_score":-0.0003132127834201323},{"text":"That's So fantastic.","start_word":4574,"end_word":4576,"sentiment":"positive","sentiment_score":0.7008923292160034},{"text":"Friday. Honestly, we can. I don't know. But in Yeah. that in that is kind of why I'm trying to get the budget a little bit better because, yeah, he's still on work cover and needs to he's still looking for a job and all that. So it's Yeah. more just will we be alright to start that process, or should I wait until he gets a job? But that's all Yes. I think with the budget. I can kind of work that out a bit more. Yep. Yeah.","start_word":4577,"end_word":4665,"sentiment":"neutral","sentiment_score":0.03785312548279762},{"text":"Absolutely. I mean, I'm so excited for that. That is fantastic and very exciting for you.","start_word":4666,"end_word":4681,"sentiment":"positive","sentiment_score":0.6006737947463989},{"text":"I with that, are you would you be then willing wanting to sort of take that twelve month maternity leave off, and will that Yeah. affect your cash flow, or are you sort of wanting to have enough savings aside to give you a bit of a buffer at that point as well if that is in, say, one to two years? Yeah. That's what we were planning to do. I was planning to put aside I was hoping that we both would have, you know, kind of thirty to fifty k in buffer so that we Mhmm. are both okay, you know, for that Yep. process. Because if we do do this build, then I need loan repayments and all that until the until it's ready to rent out. So Yes. I've I've selected I need about 30,000 for the loan repayments in the interim Yes. between, you know, construction and build finalizing. Yes. And then so I'll need that. And then I was hoping to have about 30 to 50 each on top of that so that we're kind of that we'll still manage if Yanni still doesn't get a job trying to. Yeah. And how's he going with the job hunt at the moment? Is anything sort of popping up, or he's still looking? Yeah. In WorkCover, I kind of taken charge of this role that they're kind of potentially offering him, but Yep. it's through Chisholm and it's like a mentoring program for him to be the trade school teacher that he's studying for. Yep. But it's Yep. not a really quick process. Like, this whole process has already taken eight months, and Yeah. Wow. they're kind of going back and forth and saying, oh, you've gotta update this. You've gotta update that. Now we're gonna do a meet and greet. And it's like they're kinda saying it's his, but kind of just delaying it so long that we're kinda, like isn't it doesn't really a bit hard to navigate. Yeah. Yeah. Yeah. Yeah. You But think I with think it'll work cover, have they'd to be trying to get it sorted. I know. Especially because his work covers ending in November, so Yes. it's kind of like they have a KPI or something to get him into a job before then. Right. Okay. But I think they'll probably push a bit harder closer to the time, but they're just kind of I'm trying to do a little bit here and there in the interim. Yeah. Okay. Well, hopefully, that all comes up fairly soon And for you're you. close. Yeah. Yeah.","start_word":4682,"end_word":5117,"sentiment":"neutral","sentiment_score":0.020001430985082044},{"text":"Sounds good.","start_word":5118,"end_word":5119,"sentiment":"positive","sentiment_score":0.3472839593887329},{"text":"It sounds like he's ready to go back to work as Oh, well. he's It desperate. can take a Yeah. lot. He's Yeah. desperate. Poor thing. Oh, But yeah. understandable. No. Absolutely. And so with this new property, is that gonna be solely in your name, or is that sort of a joint venture with the two of you because you are selling the property he owns currently? Yeah. Yeah. That's in our both of our names together. Yep. Okay. If if it goes ahead. But yeah. If it goes ahead. Yeah. No. Absolutely.","start_word":5120,"end_word":5213,"sentiment":"neutral","sentiment_score":-0.01081135030835867},{"text":"Fantastic. Well, I think I think we're definitely on the right track with things. We'll definitely need to come back and just maybe have that conversation when we know Right.","start_word":5214,"end_word":5243,"sentiment":"positive","sentiment_score":0.441423225402832},{"text":"what's It'll happening be with after the property. September. If you if you happen to get guidance or you make a decision earlier than the current time frame you have, let us know. We can book you back in, and we can continue the conversation and really not out what you know, get the plan moving. But I think just because it is encompassing your whole circumstances for the both of you, it is definitely worth coming back and looking at everything once we know exactly what's happening with the property. That way the plan is in your best interest and doesn't have to be changed really quickly in the next few months. And Yeah. definitely That's right. with the both of you, with yourself and Yanni to make sure that it is, you know, encompassing both of your circumstances because it does affect both of you at the end of the day. If you like, I will send out an email to you shortly just with maybe any additional questions I might have that we haven't touched on or if anything comes up by things of. And Mhmm. just with a couple of things for you to sort of talk about, look at your goals long term, some things that you guys can maybe not over. Alright. And, yeah, if you wanted to maybe, when we get closer to that call, send me through a copy of your budget planner, that would definitely help with looking at what your expendable income looks like and when Of money course. is definitely coming and going if that helps. Is that okay? Yeah. Of course. Yeah. I'm hoping Yep. to get done in the next month or two.","start_word":5244,"end_word":5529,"sentiment":"neutral","sentiment_score":0.1365879774093628},{"text":"Beautiful. Lovely. And we'll set up Sarah's road map.","start_word":5530,"end_word":5538,"sentiment":"positive","sentiment_score":0.40797504782676697},{"text":"This is gonna be Sarah and Yanni's five year plan, so we'll we'll call it that. Yeah.","start_word":5539,"end_word":5555,"sentiment":"neutral","sentiment_score":0.2245812267065048},{"text":"That sounds so good.","start_word":5556,"end_word":5559,"sentiment":"positive","sentiment_score":0.443383514881134},{"text":"No.","start_word":5560,"end_word":5560,"sentiment":"neutral","sentiment_score":0.26699742674827576},{"text":"Excellent. I'm really happy that that you reached out to look at doing this. This is something that I love, and I definitely wanna help both of you along the way.","start_word":5561,"end_word":5591,"sentiment":"positive","sentiment_score":0.6892557740211487},{"text":"I know I have been speaking with Yanni about his side of things. Oh, We are that's unable Sure. to proceed Oh, to yeah. We're unable to sorry. Help with advice around a lot of his stuff at the moment just because he is in the process of looking for work and, again, just making yep. sure Yep. that he's able to get that job and that sort of encompasses his circumstances. But like I said to him, it's not a no. It's just a not now. Let's do everything in best interest. We don't wanna provide some advice and then find it's no longer in best interest, so we need to go back and readjust everything. I do like to make sure that everything is in your best interest. And sometimes going a little bit slower with the plan is really perfect.","start_word":5592,"end_word":5734,"sentiment":"neutral","sentiment_score":-0.06359180651761435},{"text":"If we rush it, it could be detrimental to both of you.","start_word":5735,"end_word":5746,"sentiment":"negative","sentiment_score":-0.3506849408149719},{"text":"Yes. So I do like Yes. to make sure that that is how I do my job and that I'm working. It's just a lot of money. This is your this is your goals, and this is really Yeah. important to get right. So yeah. Yeah.","start_word":5747,"end_word":5792,"sentiment":"neutral","sentiment_score":0.09971299022436142},{"text":"That sounds good. Amazing. Well, that Yeah. sounds great. Thanks so much.","start_word":5793,"end_word":5804,"sentiment":"positive","sentiment_score":0.5065272450447083},{"text":"That's okay. I'll send that email out shortly. If anything else comes up or any other questions pop up or you want some additional information, let me know. Mhmm. At this point, you mentioned this is all supposed to happen around about September. Is that right? Yeah. Settlement for the land will happen September 16 if Yep. all goes well, and then we'll plan for the construction loan after the working drawings and engineering and everything's ready to go. Okay. When do you think you'll understand the construction loan and have all of that sort of ready to go? When what sort of time frame do you estimate for that? I was thinking it would take probably another two months after settlement. So it'll probably Yep. be ready November maybe, but it might be earlier depending on how quick council come back. Okay. Yep. No. That's okay. Not a problem. Well, if it's okay, what I'll do is I might get Samantha just to give you a buzz. She's my admin team member around about the September 16 to see how everything's Yep. going with the settlement side of things and just to Mhmm. sort of touch base on how the loan and the construction side of things is going as well just so we can really understand Mhmm. when we provide the advice exactly what the loan's supposed to look like, how long that construction is supposed to take, and what your loan payments and draw downs and things look like. Because construction loans are fun, and they have stages. Yeah. That's right. Yeah. Or if you decide to pull out and decide not to go down that route, let us know earlier. But then we Yep. can kinda go from there and work out when we when we have that next conversation. Is does that sound okay? Yeah.","start_word":5805,"end_word":6114,"sentiment":"neutral","sentiment_score":0.050268888395399815},{"text":"Sounds good. Yep. Beautiful. All good.","start_word":6115,"end_word":6120,"sentiment":"positive","sentiment_score":0.5356250405311584},{"text":"And, look, in the meantime, if anything else comes up or you change your plans or if you just wanna, you know, have more of a conversation around it, let me know.","start_word":6121,"end_word":6152,"sentiment":"neutral","sentiment_score":0.12380141764879228},{"text":"I'm more than happy to sort of adjust the time frame.","start_word":6153,"end_word":6163,"sentiment":"positive","sentiment_score":0.4171644449234009},{"text":"Just wanna make sure that we're not, you know, pushing everything through before it needs to happen and allow you to go through all the changes that you have coming up over the next few months. It sounds like a lot of things are occurring with the sale of property purchase of the new one possible Oh, with yes. Janice's job. Yeah. Yeah. There's a few things. Right?","start_word":6164,"end_word":6231,"sentiment":"neutral","sentiment_score":0.11754662543535233},{"text":"This is exciting.","start_word":6232,"end_word":6234,"sentiment":"positive","sentiment_score":0.3543469309806824},{"text":"It's gonna be a busy few months. Yeah. Yeah. Yeah. Hopefully.","start_word":6235,"end_word":6245,"sentiment":"neutral","sentiment_score":0.08385589718818665},{"text":"All good.","start_word":6246,"end_word":6247,"sentiment":"positive","sentiment_score":0.3393200635910034},{"text":"Are you Yeah. expecting Sounds good. any kind of pay rise as well coming up over the next few months, do you think? Or Oh, yes. In September, I will go up. Well, what do I got to? About a 100 and 11, I think. I think it's, mhmm. like, Okay. maybe four. What am I currently on? $1.00 6, I think. So, yeah, Yep. it goes up 5,000 maybe for the year. Okay.","start_word":6248,"end_word":6321,"sentiment":"neutral","sentiment_score":0.031644389033317566},{"text":"Beautiful. Lovely.","start_word":6322,"end_word":6323,"sentiment":"positive","sentiment_score":0.5703365802764893},{"text":"Well, what I'll do is I'll get Sammy to touch touch base around about September. We'll we'll sort Mhmm. of see where things are going and whether we kind of book in and go for the chat then or whether we just hold off a little bit longer to get the construction loan in place. Yeah. But if if you find that that's too long, you wanna have that conversation beforehand, just email me. You've got my details or give us a call, and we'll book you in to have that conversation. In the meantime, I'll keep touching base with Yani and see how things are going for him as well.","start_word":6324,"end_word":6434,"sentiment":"neutral","sentiment_score":0.11233969576455452},{"text":"Okay. Sounds great. Alright. Thanks so much for your help. That's okay. Not a problem at all. Looking forward to putting this together for you, Sarah. Can't wait. That's it. Thanks. Have a good night. You too. Thank you for your time. See Thanks. you later.","start_word":6435,"end_word":6480,"sentiment":"positive","sentiment_score":0.7073553800582886},{"text":"Bye. Bye.","start_word":6481,"end_word":6482,"sentiment":"neutral","sentiment_score":0.2824265658855438}],"average":{"sentiment":"neutral","sentiment_score":0.1128658862973643}}}}