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I've just got you penciled in for a bit of an initial consultation. Do you still have time? Perfect. Perfect. So before I sort of jump into it, I've had a look at the details that Brooke has sent through, and I just wanted to kind of go through a bit of the process with how the advice works. Have you ever seen a financial adviser before? No. Perfect. So, basically, how it works is we go through a bit of a discovery call at the moment where we're just trying to find out what you're trying to achieve, what the scope of our engagement is gonna be, and then we will kind of walk you through gathering details so that we can do some research and hopefully put together a bit of a plan for you. Perfect. Now what I've kind of seen so far is that you're really looking to review the insurances. Can you just tell me in your own words what you're hoping to get out of this process? Yep. Yeah. And with the separation, has that involved anything to do with, like, property settlement or loans or anything like that? Okay. And I'm assuming that there's a lot of importance with the kids at the moment. Do you how many dependents do you have? Two. Two dependents. Both under the age of six, I would assume, or seven in sort of June, July, April. Perfect. Okay. So that's a good starting point to obviously talk about what your insurance needs are. Is there any other sort of pressing goals for the next twelve months for you? Okay. I'm with you. I'm with you. That's pretty sort of common for our generation. Do you mind if I just note down your date of birth, please? Please? Perfect. 02/22/1993. So smack bang with us millennials in our budgeting crisis earning six figures, I'm assuming. Perfect. And what's your sort of average income? Is it, like, salary, or are you on hourly rates? Or yep. 3 2,300 to 3,000 fortnight, and that's take home in the hand. Perfect. So it's terms of insurances. Do you have income protection through your super that's protecting that income? Or Yeah. Yeah. Absolutely. So a couple things that we've gotta be careful on is, like, claims definitions. So when you have a policy through Super, it needs to be able to meet, like, a condition of release to be paid out to you. And the definitions are a little bit more flexible if you get it out of pocket, But there's also kind of, like, these flexi linking policies that kind of give you a bit of both, and that's something that we can consider as well. When it comes to ensuring your income, usually, the maximum is 70% of your, I guess, gross income because it's taxable. About 65%. K. Absolutely. Do great. I'll get a few sort of basic details just for our discussion because we do what's called a needs analysis, working out what you need, what are the sort of must haves versus the nice to haves, and then I can kind of go through a bit of research and see if we need to alter anything as well. Yeah. And you did mention, obviously, you've been doing a lot of the logistics on the budgeting side of things. So just while you're logging in to get those details, have you actually got a bit of a budget to paper or, like, a spreadsheet or anything like that so far? Yep. Cool. So you do have a bit of a a fun account. And do you have anything kind of long term savings or long term fun or anything like that? Perfect. That's that's pretty common. That's probably the most common thing that I see is people can put aside their $3.04, 500 a week, whatever it is. And then every so often, something comes due or they wanna go have some fun, and they're just constantly dipping into it. And then at the end of the year, it's kind of just where it was, maybe a bit less, maybe a bit more. Is that kind of your experience? Or perfect. Gotcha. Do you have, like, a a set amount for the fortnightly pay you're putting in there to start with? Yep. Yeah. If you earn 2,300 for the fortnight, maybe it's 700. If you earn the full 3 thousand, maybe you can put away a thousand. Okay. So like you said, the logistics have been broken up pretty detailed. Obviously, you've got your different expense accounts and making it work with the kids and bit of savings, bit of fun. So that's pretty easy for me to work out a bit of proportion to sort of see what percentage is spending on expenses versus fund versus savings. What do you find is the most consistent issue that you run into or having to dip into it? Is it just something pops up that you wanna go and do, or where do you find that that occurs? Yeah. Yes. I think that's probably my biggest tip at the to begin with is just making sure you split the short term fund versus long term fund because that's where everybody runs into that trouble is they kind of there's always something popping up. And then when it comes time for that long term thing, they're dipping into savings instead. And it's just saying, okay. Yeah. My my wife was the exact same way. Like, we've been together for almost twelve years now, and we spent, I think, the first five or six just working on, like, budgeting and things like that. And she was the same way. Like, if it was there, she would there would be something that popped up to spend it on because she works at Meijer. She gets staff discounts, so she's going, okay. Well, there's this I wanna get for the kids or for myself or for you, and there was always something to do. But then if we wanted to go to a concert or overseas, we had never built up that amount, if that makes sense. Yeah. So I think that's where the discipline comes in of just saying, okay. I wanna have maybe a 100 a fortnight for incidentals and splurging, and then this set amount is gonna be in a completely different account that's just building up towards a specific goal, holiday, whatever it was, and then just adjust it every month or two. So I would definitely break that up into two. That'll be sort of first port of call. Is there anything in particular that you're sort of trying to build towards now for the next year, three years or so? Yeah. Yep. So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out. The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time. So what I mean by that is if we have a specific goal of let's try and put away this much for a full twelve months and make sure that stays as savings, we start there, and then we start to refine, okay, as we're now consistently doing this, what can we hit when? And that will give you a gauge to say, okay. I really need to take that holiday. I really need to have the bond saved up for the rent. And then you go, okay. I've got the money aside for not. You can push the goals forward or back a year or two, that kind of thing. So the very first twelve months is always just build the consistent habits and then refine, okay, what can we actually achieve in the five year time span, if that makes sense. So if you don't mind me asking, how much have you currently got in savings at the moment? $2. Yeah. Perfect. And so in order to do, for example, the Botox, the bonds, obviously, the house deposit, that's a little bit bigger than bond for a rental. So that kind of comes a bit first and a bit of an emergency fund. If we keep it at that consistent, say, 700 a fortnight, that's pure savings. Would you say that's reasonable? Cool. Okay. So we'll put that in. And that's the thing too is as you move into a rental or purchase a home, you have to consistently kind of readjust the budget. So for now, let's just work on again habits for the time being and then building up that deposit. So have you looked at the the rentals recently to see kind of how much of a bond you need to save up or anything like that? Yep. Yep. And is there a pretty big need to move out of the parents with with the kids and everything that you've you've kind of stuck to a twelve month time limit? Yeah. Perfect. So May year or May year? This year. Okay. Perfect. So we do need to pump a little bit of savings in there for the next couple of months to make sure the bond is secured at the very least. And then after that, it's kind of saying, okay. Can we build up that 15 to 20,000 a year into savings towards the house deposit? That kind of thing. Does that sound fair enough? Yep. Perfect. So I'll put in the savings goals for the time being. One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is kind of like consumer protections. It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as well. Perfect. How did you go with your q super login, if you don't mind me asking? Yeah. Perfect. So sometimes those government super funds, they kind of give you a total benefit that incorporates your super, and then underneath it, they kind of tell you how much is insured. Is it kind of broken into two lump sum amounts for death cover or just one? Yep. K. So we've got $4.87 per week, and we've got four units, 500,000. That's okay. Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults. You haven't actually changed it yourself before, have you? Like, increased or decreased the cover? Perfect. Perfect. Is the TPD the exact same? Four units, 500,000 similar premium. $30.35 per week. Okay. So it's significantly higher than the life insurance. Usually, they're a little bit closer than that. So just under $5 a week for the life insurance, but $30 a week for the TPD, which is coming out to about 1,500 for the TPD, a little bit less for the life insurance. Right? So we got a couple of grand coming out there in premiums. So it's definitely been increased, that's for sure, from the default, which would normally be under a thousand bucks. What about the income protection? 150 per month. Okay. Seems a little bit high for your age. Not gonna lie because just under $3,000 for insurance coming out of the super. Working back your income before, it does seem like you're pretty close that kind of $100,000 mark, which would net you around about oh, pay calculator says 2,900 a fortnight in hand, so we're getting pretty close to that mark. What I need to sort of be careful on is let's say you have a $100,000 income. Are you doing any, like, employer matching schemes through work for your contributions, or are they just paying that standard? Yep. And you're doing that currently? And 5%. Now the little bit of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions. Do you know specifically if you signed that form or you told your payroll to salary sacrifice? Yep. That's okay. Would it be possible at some point to get maybe just a a one off payslip so I can have a look at how it's broken down. Cool. Because the way they do it on that form, and it was the strangest thing when I found it out about five years ago, was that form automatically puts those extra contributions in as post tax as non concessional. Whereas in order to do it pretax and salary sacrifice, you actually have to basically tell payroll to do a salary sacrifice. So 99 out of a 100 Queensland Health employees are doing the nontax deductible version of it. Oh, okay. Oh, that's always fun. What I was sort of just working out in the background is that when you have, let's say, an income of a 100,000, if you're getting that standard 12% in your contributions, which you're obviously getting the full kind of seventeen, seventeen and a half, is what proportion of that is actually going out in premiums and fees just to make sure that that's not chopping out 30 to 40% of your contributions just for insurance premiums. It's kind of how I work out a bit of an affordability flag there. How much is it sitting out currently as of today in terms of just daily balance? Perfect. Okay. So overall, you have a really good amount of cover and a really good balance for your age. The good thing there is you can basically you're doing those extra contributions through work. That'll get you really far really quickly. At a certain point, you can basically turn those off, and the growth will be able to carry it from that, say, once you've got $3,400,000, it'll actually carry just from growth up to that, you know, million million and a half mark by retirement. So you're kind of ahead for your age, if that makes sense. Yeah. Perfect. And do you have a I know it's decades away, but do you have a preference for wanting to retire earlier, or you just sort of go a bit more slow and steady and and keep going? Because it's a bit of a split in the country when I ask that question. Where do you lean? Right. Yeah. Absolutely. And having enough there no. It's not fun. I know I think COVID was probably the roughest period for people having to line up at Centrelink to try and get appointments and then come back for the appointment, and they're just constantly at that office driving three or four times just to get one thing sorted. It's probably a bit easier for us to try and become self funded by doing a couple of things in our thirties, so we don't have to worry about that before tax. So it's actually called, like, salary sacrifice or after tax. K. If you're comfortable with it because you are on six figures, one of my recommendations might be to convert that to tax deductible just so you get a little bit extra out of it. And then what'll happen? That'll actually minimize the impact when you take home pay by doing it pretax as well. So, hopefully, that'll help towards the the budgeting side as well. Because I'm thinking there, that's what 5,000 a year coming out of the 5% mark around about. And then if you do that pretax, 70¢ on the dollar, yeah, it should save you an extra 1,000 to 1,500 a year take home pay impact, which that can obviously go towards your goals. Alright. So when I put together, like, an advice document, I'm going to be just noting down the the current contribution structure, recommending to update that. If you have done that in between, that's fine, but I just need to show, I guess, the what it was like and what we're recommending you to switch to. Perfect. Now when it comes to that income protection you noted before, you noted a two year benefit period, sixty day waiting period. I just wanted to gauge it with you in terms of preferences there because whenever I do insurance reviews, we can basically compare all the insurers in the market, see who's coming out the best. Sixty days, is that too short, too long? Can you last two months before getting income payments just based on your savings at the moment, or what would be your preference, sir? Yep. And you don't have heaps of leaves built up or anything? Perfect. So what that kind of cuts out as an option is, let's say, we extended your waiting period from sixty days all the way up to ninety days, so you had to wait three months to get payments. That makes it a lot more affordable, but then you've gotta be able to handle yourself for three months without that additional income coming through. So that to me just says that's off the table straight away, whereas we've gotta find other ways to kind of reduce the cost a little bit. Now do you want me to look at a bit of a quote for maybe a thirty day wait, which is pretty standard, or do you want me to keep it towards the 60? Okay. Yeah. Yeah. And that's one of the things too is whenever you, I guess, reduce the benefit, it's very easy to reduce cover, cancel cover, extend out waiting periods. It's really just a letter to the insurer, and then that can be applied pretty well straight away. Anytime you increase something, then you've gotta go through applications, medical underwriting, and so forth. And it's much easier to drop it down than just consistently increasing it, if that makes sense. So I'll do the quotes for thirty days and sixty days just to see what it looks like. And if I can get you, like, an affordable thirty days, we'll go for that as well. That way, even if it's just for a year or so, that'll get you through. And then once you've got that savings built, we can extend it to sixty. But then I'm also mindful of things like if you've spent it as a house deposit, if you consistently don't have that emergency fund available, you may need to keep it going for a little while. K? When it comes to benefit period, so what I'm sort of thinking here is you've got two years as a benefit period. That's, I guess, the the minimum. It goes two years, five years, all the way up to the age of 65. That's usually pretty incumbent on what you do for your duties. Can I just ask in Queensland Health, are you just fully office based? Are you doing nursing? What what's your role? Okay. Oh, joy. Okay. So what would your what would your title be? Sorry. Advanced peer worker, was it? Ensure support work and allied health. Less to do with the nursing side. Is there any, like, qualifications that go along with that in terms of degrees and diplomas that relate? Yep. Okay. And is a bachelor in, like, nursing or or support? Occupational therapy. Fantastic. Is that a long term goal to start one of those occupational therapy businesses through NDIS or something? Or Fantastic. So you've got a full career trajectory for the next few years and a lot to work on in terms of the studying and work placements and role changes and employer changes. You definitely have a lot going on. That's for sure. So what I'll do, I'm just noting down a few things there. Queensland Health is the employer. And, again, you're right. The acute mental health board, that puts you in a a decently risky kind of category. So we may need to just do some basic adjustments there. And one of the things too is when you go through the advice process, so we need to make sure that we note down your goals and see if we can leave you in a better position towards meeting those goals. If I can't actually get you anything better than what you have, I'll basically just give you some general advice and say, look. I couldn't find a better strategy or a better product, but what you can do is x, y, and zed, and then it'll pretty much be, I guess, complimentary at that point. Now if we do find a more suitable policy, we do actually get paid through, like, a commission structure where all the insurers pay the first year's premiums, 66 percent to advisers, and that kind of funds insurance advice. If you would like us to give, for example, superannuation advice, we can also give advice towards what to invest in, and that's charged as a separate percentage based fee to implement the advice if that makes sense. K? At this point, I'm really just gonna do the insurance review for the time being. Do you want me to look at the investments as well and kind of tie them both in together? What's your preference? Oh, fantastic. Brilliant. And if you don't mind me asking, Angela, what actually made you jump in and do that? Did you just one day say, I'm gonna look at my finances and how to play around with this? Or Cool. Okay. So that's really fascinating. Yeah. So get the house first, get established, and then once you've got a bit more spare cash flow and capital behind you, go into some personal investing. And, again, preference is to stay away from the properties. And that's awesome. I'm seeing that a lot more with our generation, of course, is property is pretty easy to roll into. You pay down a mortgage, you borrow off of it and get the next property and so forth. But I'm seeing a lot of people going into shares, crypto, ETFs, and also seeing just a lot less headaches that way as well. And to be honest, take it from someone who invests in a little bit of everything, it is quite it's quite a lot. And if you don't have the the time to deal with it, sometimes it's easy to have something just build up in the background. Perfect. And that's one thing that I'll kind of give you as a bit of a tip too is superannuation is essentially just a bit of a tax haven bubble around investment platforms. And you can do a very similar, if not identical thing, personally, when the time comes to invest in almost the same stuff that your super does. And then, again, you can change it between, you know, your aggressive high growth. You can keep it a bit more balanced if you wanna access the funds a little bit earlier, and you get access to all of those different options and shares and manage funds and things like that. Yeah. Perfect. So we'll start off with getting a handle on the budgeting for the first twelve months, moving into either rental or purchasing a property over that sort of zero to three years. And then once you're all established and some equity is built up and you've got some savings behind you, then branch into some investing. Brilliant. I love it. It's our generation seems to be the most, I guess, engaged with their finances as opposed I don't know if your parents were the same way, but they kind of went paycheck to paycheck until they hit fifty, sixty and went, oh, haven't really got much to show for it. And then we're trying to avoid falling into the same traps. Yeah. And look, it don't beat beat yourself up because it does take a lot of time to build those habits, and it's never just a linear pathway. You just consistently go from year one to 10. I'm gonna go from here to there. It's gonna be up, down, around, around, and life tends to throw a few things at you as well. No doubt you've probably seen. Now just while I'm looking at it as well, so just to kind of cap off the the superannuation side of it, if you've already got your q super in the high growth investment, it's consistently doing just above that 10% mark. So that's kind of what you're aiming for when you're looking for high growth or above is consistent double digit. Now, yes, you can get twelve, thirteen, 14% throughout the industry. It's available. But as long as you're hitting that nine to 10, you're pretty well on track in combination with your extra contribution. So that's going to really get you there very quickly. So I pretty much wouldn't change anything there if that makes sense. Beautiful. The last one I wanted to just ask you, so when it comes to, like, the life and disability insurance, I'm trying to gauge whether you do have, when it said four units of 500,000, it's telling me you've got $2,000,000 worth of cover. Now that might be why you're paying $3 a year because that TBD for a couple million dollars may be $30 a week. If it was $30 a week for 500,000, that would be quite extreme. But then again, with your occupation rating, that might be the reasoning too. So I will just kind of double check the amounts there. If you can send through a statement, that would be fantastic. Now when it comes to the amount that you actually need, though so you don't have the house yet. Do you know kind of the purchase price of the ones that you would like to get in to? Yep. Yep. That's kind of what I was gonna say because I went through with a lot of staff members and even myself personally, everyone getting their first homes over the last five to six years. And when I first started, we were looking in Pimpama and Coomera. And Probably, it was. 350, 400,000. And now, like you're saying, there's $7,800,000 very quickly, and it'll it will need somewhat of a deposit to do it. I know there are a lot of first home assistance and grants and things like that, so Brooke will be the best person there. But if hopefully, if you can get it within, say, twenty four to thirty six months, definitely seems achievable. But, again, on the one income, a little bit rough, but two bedroom to start with sounds pretty good to me. Yeah. And it's one of those things too. Some people that I know have started with, like, a townhouse, and then just after a couple of years, it's gone up in value, and they've been able to borrow into a larger home and possibly have the you know, rent out the current one or sell it off, whatever your preference is, and just take a couple of steps on the ladder to get to that actual decent home. If it's any consolation, I actually quit searching in Pimpama and moved up more towards Logan for the first house, and that that trimmed a couple 100,000 off, but it wasn't fun living there for a few years. And Yeah. And no one wants to sit on the m one for an hour to an hour and a half every morning just to get to work. Perfect. Perfect. One last one I was gonna ask you, Angela, is just to do with the estate side of things and the cover that you don't have. So whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection. But there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or additional insurances out of pocket. No. That's totally fair. I just have to bring it up as an option because there are four cover types. It's just that's the one that probably suits you the least at the moment. Then with the estate planning side of things, so you do have the two children. Have you got your beneficiaries organized through the super? Because that links to the life insurance. Yeah. Yep. Yeah. Because as a guardian, he would receive the funds anyway or be in control of the funds if even if you left them to the children as well. So that makes sense. Okay. Alright. The only option I was gonna sort of bring to the table is you can do things like a testamentary trust wills. So if you put in place a will, you can direct your super life insurance in there, and then it creates a trust fund when you pass. And then you can be a bit more specific in how that's distributed out to the kids, whether it's, you know, an income for them to to live on until they're 18 before they receive a lump sum. So it's a bit more flexible that way. But if you trust him, you know, happy to abide by your wishes. Just wanted to broach that as an option. Yeah. Perfect. And there's no other assets to to worry about. It's just the sort of the super and the savings is the main two at the moment? Yeah. Do you mind if I just note down a bit of a an approximate sale value for the car? I know it is linked to an evaded lease, but do you know the approximate value for it? Yeah. That's okay. Yep. That's easy enough. Again, we don't need to factor in selling your car to your financial plan, but it just counts as an asset. No other shares or crypto or anything floating around? Totally fair. And so at the moment, what I wanted to ask you as well is just on your documentation through QSuper. So you've gone through a separation. I did notice your name came through as Boyle, but your email's under Watson. I was just double checking. Yep. Perfect. So your ID would be under Watson, though. K. And what is your super reflect? Is that under Watson as well? Yep. Perfect. Okay. And you are going through the process of, I guess, reverting everything back to to boil over time? Oh, it's probably not the most fun thing to be spending your weekend or weekdays doing when you do get a bit of time with two kids going on. Let me make sure I update. Yeah. No. Totally fair. And would you who would you put down as kind of, like, an emergency contact or next of kin? Because, obviously, it's you and the kids. Would you put your partner down, sibling, parents? Yep. Alright. So as we get through towards the end of the process, we may actually put down her details as emergency contact. Don't need them at this time. Alright. I pretty much just need to go through a couple of quick questions regarding the health side of things, if that's okay. Because I've got everything from an occupational side of things. That'll get us our occupation rating. In terms of insolvency, I'm assuming because you're working with Brooke that you've never gone through, like, a bankruptcy or debt agreement before. No. That's totally fair. Do we have a current will or power of attorney in place? Perfect. And smoking status. Not smoking. Super smart. Totally fair. Now when you went through all of the applications for Qsuvie, you would have gone through the underwriting process. Did they give you any exclusions or loadings that you can recall due to previous health concerns? K. And do you know what year you did the increase through QSuper? Yep. '20 '22. Rank COVID time. Sounds about right. Perfect. Okay. Change. Alright. So the last couple of questions, probably the most sensitive ones to ask, but I just need to grab a height and weight for BMI calculations, if that's okay. Yep. Sixty seven, and that's one fifty eight centimeters. Perfect. And is there any kind of medications or major diagnosis that you've had pretty much going back as far as you can remember that I need to factor in for I guess what we do is a bit of a field underwriting. I will call the insurers anonymously and go through any health concerns just to see if they would give you any exclusions or loadings or issues, and that way I can best advise who to go through. Yep. 2016. So I'm assuming it was through, like, GP to start with, a specialist after that, or just through GP? Perfect. So 2016 GP psychiatrist, and it's just been medicated the whole way through from, I guess, 2016 till now. And if you don't mind me asking, which medication do they have you on? Lexapro, citalopram. Always fun trying to spell these things. K. So you got that. And do you know how many times you would have seen the psychiatrist originally? Was it all just in 2016 a few times, or was it over the span of a few years? It's really interesting. So whenever it comes to, like, mental health, the insurance companies are pretty kind of backwards with it, where at the moment there's any kind of, like, you've been diagnosed with this and you're medicated and treated, they basically go, boom, there's an exclusion for mental health. Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see. So they're actually gonna flip that. But for the time being, it still leads to all of these exclusions. So I'm just gonna be very wary on, okay. I'm not gonna recommend you switch to another insurer if all of a sudden that leads to you having exclusion that you don't currently have. Yeah. Exactly right. Was there anything else that you've been sort of hospitalized for? Any other diagnoses that I need to sort of run by them? Yeah. Right. Fantastic. You sure I may ask you which surgery was that? Gastric sleeve. Oh, wow. Fantastic. Gastric sleeve. And that was just did you pay out of pocket for that one? Or private health. Fantastic. If you don't mind me asking, they always ask any significant weight loss in the last twelve to twenty four months. How many kilos were you able to drop since you had it? Four. 40. Oh my god. That is amazing. Congratulations. That's pretty cool. I had a a friend, really dear friend of mine who he just hit the sort of two hundred kilo mark and he got the sleeve done, and he just couldn't break below a 100. He got himself down to, like, one ten over a few years, but just never got to break the 100, and he always wanted to. But, again, eighty, ninety kilos was still pretty good and definitely saved his health. Absolutely. Bump it up a little bit. Yep. Yeah. So what I'm sort of leaning towards, Angela, is when we look at the the cover that you've got in QSuper is you have a heap of insurances that you're currently paying for, like, a a decent amount that you're paying for. Part of that price is because you've of your occupation, of course, and you don't currently have that large liability. You don't have the mortgage yet. So the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit? Like, if your super can handle it and it's growing fantastically, Absolutely. So the really, the the main thing is just trying to maybe jiggle around the income protection a little bit. And one thing that you can kind of lean towards is once you've got that degree finished and if you do move to being an occupational therapist, you're going to be improving your occupation rating. You'll be degree qualified, still hopefully on six figures, and slightly less risk, I guess they call it. I mean, it's kind of like going from a five to a four, but still technically less risk. So one thing that you should pretty much do is once you do get into that field and you finish your degree is even just call QSuper or whichever insurer you're with and just update your occupation with them. Because if they can give you a better rating, they'll actually just apply it to your policy and drop your premiums down. Cool. Because at the moment, it seems like you can afford to have that much life and disability. The only issue I've got is the income protection's got a sixty day wait, which then you can't really last that long. But if you bump it to thirty days now, that's gonna jump the price up as well. So I'll get a bit of a quote done just to see what it may look like. And I when I get that statement through from you, I just wanna double check if there's any loadings or anything applied to the policy. Because if you put that in place back in 2020, 2021, maybe there will be some loading that you can review and get removed to reduce the price as well. Perfect. So I have thrown quite a bit of information at you so far. Any burning questions coming up so far for you? Awesome, Angela. So what I'll basically do from here is I'm gonna get the team to email you through our financial services guide. If you could just respond with your q super statement so I can double check some of these details. I will pretty much do some underwriting research and some quotes for you, and then they'll get you booked back in for a bit of a a follow-up with me. And if there's something we can do, we'll put together a plan. If not, I'll give you a few tips and ideas. Awesome. Any last questions for me before I let you go? Well, Angela, it was lovely meeting you today. I've got everything that I need, so I'm gonna go dive into it. Are you okay to email back through that statement possibly this week for a bit of a follow-up for the end of ah, beautiful. Do you have a pen and paper handy by chance? Cool. So the best email address is info, so I n f o, and then it's literally @oakviewfinancial.com.au. So I know it's a bit of a long one. Correct. And then the team will send you through our both of our guides, bit of info about us. And what I might do as well is I probably need around about a week to do the research. Is there sort of best times and days to contact you? Yep. So once we get the the statement and do our research, do you want the team to just give you a bit of a text and an email just to organize a time with you? Fantastic. Awesome. Well, thank you so much for your time today. I will leave you to it, and we will be in touch next week. Thanks, Angela. 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afternoon, Angela. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. Thank you for asking.\n\nI've just got you penciled in for a bit of an initial consultation. Do you still have time? Perfect. Perfect. So before I sort of jump into it, I've had a look at the details that Brooke has sent through, and I just wanted to kind of go through a bit of the process with how the advice works.\n\nHave you ever seen a financial adviser before? No. Perfect. So, basically, how it works is we go through a bit of a discovery call at the moment where we're just trying to find out what you're trying to achieve, what the scope of our engagement is gonna be, and then we will kind of walk you through gathering details so that we can do some research and hopefully put together a bit of a plan for you. Perfect.\n\nNow what I've kind of seen so far is that you're really looking to review the insurances. Can you just tell me in your own words what you're hoping to get out of this process? Yep. Yeah. And with the separation, has that involved anything to do with, like, property settlement or loans or anything like that?\n\nOkay. And I'm assuming that there's a lot of importance with the kids at the moment. Do you how many dependents do you have? Two. Two dependents.\n\nBoth under the age of six, I would assume, or seven in sort of June, July, April. Perfect. Okay. So that's a good starting point to obviously talk about what your insurance needs are. Is there any other sort of pressing goals for the next twelve months for you?\n\nOkay. I'm with you. I'm with you. That's pretty sort of common for our generation. Do you mind if I just note down your date of birth, please?\n\nPlease? Perfect. 02/22/1993. So smack bang with us millennials in our budgeting crisis earning six figures, I'm assuming. Perfect.\n\nAnd what's your sort of average income? Is it, like, salary, or are you on hourly rates? Or yep. 3 2,300 to 3,000 fortnight, and that's take home in the hand. Perfect.\n\nSo it's terms of insurances. Do you have income protection through your super that's protecting that income? Or Yeah. Yeah. Absolutely.\n\nSo a couple things that we've gotta be careful on is, like, claims definitions. So when you have a policy through Super, it needs to be able to meet, like, a condition of release to be paid out to you. And the definitions are a little bit more flexible if you get it out of pocket, But there's also kind of, like, these flexi linking policies that kind of give you a bit of both, and that's something that we can consider as well. When it comes to ensuring your income, usually, the maximum is 70% of your, I guess, gross income because it's taxable. About 65%.\n\nK. Absolutely. Do great. I'll get a few sort of basic details just for our discussion because we do what's called a needs analysis, working out what you need, what are the sort of must haves versus the nice to haves, and then I can kind of go through a bit of research and see if we need to alter anything as well. Yeah.\n\nAnd you did mention, obviously, you've been doing a lot of the logistics on the budgeting side of things. So just while you're logging in to get those details, have you actually got a bit of a budget to paper or, like, a spreadsheet or anything like that so far? Yep. Cool. So you do have a bit of a a fun account.\n\nAnd do you have anything kind of long term savings or long term fun or anything like that? Perfect. That's that's pretty common. That's probably the most common thing that I see is people can put aside their $3.04, 500 a week, whatever it is. And then every so often, something comes due or they wanna go have some fun, and they're just constantly dipping into it.\n\nAnd then at the end of the year, it's kind of just where it was, maybe a bit less, maybe a bit more. Is that kind of your experience? Or perfect. Gotcha. Do you have, like, a a set amount for the fortnightly pay you're putting in there to start with?\n\nYep. Yeah. If you earn 2,300 for the fortnight, maybe it's 700. If you earn the full 3 thousand, maybe you can put away a thousand. Okay.\n\nSo like you said, the logistics have been broken up pretty detailed. Obviously, you've got your different expense accounts and making it work with the kids and bit of savings, bit of fun. So that's pretty easy for me to work out a bit of proportion to sort of see what percentage is spending on expenses versus fund versus savings. What do you find is the most consistent issue that you run into or having to dip into it? Is it just something pops up that you wanna go and do, or where do you find that that occurs?\n\nYeah. Yes. I think that's probably my biggest tip at the to begin with is just making sure you split the short term fund versus long term fund because that's where everybody runs into that trouble is they kind of there's always something popping up. And then when it comes time for that long term thing, they're dipping into savings instead. And it's just saying, okay.\n\nYeah. My my wife was the exact same way. Like, we've been together for almost twelve years now, and we spent, I think, the first five or six just working on, like, budgeting and things like that. And she was the same way. Like, if it was there, she would there would be something that popped up to spend it on because she works at Meijer.\n\nShe gets staff discounts, so she's going, okay. Well, there's this I wanna get for the kids or for myself or for you, and there was always something to do. But then if we wanted to go to a concert or overseas, we had never built up that amount, if that makes sense. Yeah. So I think that's where the discipline comes in of just saying, okay.\n\nI wanna have maybe a 100 a fortnight for incidentals and splurging, and then this set amount is gonna be in a completely different account that's just building up towards a specific goal, holiday, whatever it was, and then just adjust it every month or two. So I would definitely break that up into two. That'll be sort of first port of call. Is there anything in particular that you're sort of trying to build towards now for the next year, three years or so? Yeah.\n\nYep. So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out. The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time. So what I mean by that is if we have a specific goal of let's try and put away this much for a full twelve months and make sure that stays as savings, we start there, and then we start to refine, okay, as we're now consistently doing this, what can we hit when? And that will give you a gauge to say, okay.\n\nI really need to take that holiday. I really need to have the bond saved up for the rent. And then you go, okay. I've got the money aside for not. You can push the goals forward or back a year or two, that kind of thing.\n\nSo the very first twelve months is always just build the consistent habits and then refine, okay, what can we actually achieve in the five year time span, if that makes sense. So if you don't mind me asking, how much have you currently got in savings at the moment? $2. Yeah. Perfect.\n\nAnd so in order to do, for example, the Botox, the bonds, obviously, the house deposit, that's a little bit bigger than bond for a rental. So that kind of comes a bit first and a bit of an emergency fund. If we keep it at that consistent, say, 700 a fortnight, that's pure savings. Would you say that's reasonable? Cool.\n\nOkay. So we'll put that in. And that's the thing too is as you move into a rental or purchase a home, you have to consistently kind of readjust the budget. So for now, let's just work on again habits for the time being and then building up that deposit. So have you looked at the the rentals recently to see kind of how much of a bond you need to save up or anything like that?\n\nYep. Yep. And is there a pretty big need to move out of the parents with with the kids and everything that you've you've kind of stuck to a twelve month time limit? Yeah. Perfect.\n\nSo May year or May year? This year. Okay. Perfect. So we do need to pump a little bit of savings in there for the next couple of months to make sure the bond is secured at the very least.\n\nAnd then after that, it's kind of saying, okay. Can we build up that 15 to 20,000 a year into savings towards the house deposit? That kind of thing. Does that sound fair enough? Yep.\n\nPerfect. So I'll put in the savings goals for the time being. One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is kind of like consumer protections. It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as well. Perfect.\n\nHow did you go with your q super login, if you don't mind me asking? Yeah. Perfect. So sometimes those government super funds, they kind of give you a total benefit that incorporates your super, and then underneath it, they kind of tell you how much is insured. Is it kind of broken into two lump sum amounts for death cover or just one?\n\nYep. K. So we've got $4.87 per week, and we've got four units, 500,000. That's okay. Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults.\n\nYou haven't actually changed it yourself before, have you? Like, increased or decreased the cover? Perfect. Perfect. Is the TPD the exact same?\n\nFour units, 500,000 similar premium. $30.35 per week. Okay. So it's significantly higher than the life insurance. Usually, they're a little bit closer than that.\n\nSo just under $5 a week for the life insurance, but $30 a week for the TPD, which is coming out to about 1,500 for the TPD, a little bit less for the life insurance. Right? So we got a couple of grand coming out there in premiums. So it's definitely been increased, that's for sure, from the default, which would normally be under a thousand bucks. What about the income protection?\n\n150 per month. Okay. Seems a little bit high for your age. Not gonna lie because just under $3,000 for insurance coming out of the super. Working back your income before, it does seem like you're pretty close that kind of $100,000 mark, which would net you around about oh, pay calculator says 2,900 a fortnight in hand, so we're getting pretty close to that mark.\n\nWhat I need to sort of be careful on is let's say you have a $100,000 income. Are you doing any, like, employer matching schemes through work for your contributions, or are they just paying that standard? Yep. And you're doing that currently? And 5%.\n\nNow the little bit of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions. Do you know specifically if you signed that form or you told your payroll to salary sacrifice? Yep. That's okay. Would it be possible at some point to get maybe just a a one off payslip so I can have a look at how it's broken down.\n\nCool. Because the way they do it on that form, and it was the strangest thing when I found it out about five years ago, was that form automatically puts those extra contributions in as post tax as non concessional. Whereas in order to do it pretax and salary sacrifice, you actually have to basically tell payroll to do a salary sacrifice. So 99 out of a 100 Queensland Health employees are doing the nontax deductible version of it. Oh, okay.\n\nOh, that's always fun. What I was sort of just working out in the background is that when you have, let's say, an income of a 100,000, if you're getting that standard 12% in your contributions, which you're obviously getting the full kind of seventeen, seventeen and a half, is what proportion of that is actually going out in premiums and fees just to make sure that that's not chopping out 30 to 40% of your contributions just for insurance premiums. It's kind of how I work out a bit of an affordability flag there. How much is it sitting out currently as of today in terms of just daily balance? Perfect.\n\nOkay. So overall, you have a really good amount of cover and a really good balance for your age. The good thing there is you can basically you're doing those extra contributions through work. That'll get you really far really quickly. At a certain point, you can basically turn those off, and the growth will be able to carry it from that, say, once you've got $3,400,000, it'll actually carry just from growth up to that, you know, million million and a half mark by retirement.\n\nSo you're kind of ahead for your age, if that makes sense. Yeah. Perfect. And do you have a I know it's decades away, but do you have a preference for wanting to retire earlier, or you just sort of go a bit more slow and steady and and keep going? Because it's a bit of a split in the country when I ask that question.\n\nWhere do you lean? Right. Yeah. Absolutely. And having enough there no.\n\nIt's not fun. I know I think COVID was probably the roughest period for people having to line up at Centrelink to try and get appointments and then come back for the appointment, and they're just constantly at that office driving three or four times just to get one thing sorted. It's probably a bit easier for us to try and become self funded by doing a couple of things in our thirties, so we don't have to worry about that before tax. So it's actually called, like, salary sacrifice or after tax. K.\n\nIf you're comfortable with it because you are on six figures, one of my recommendations might be to convert that to tax deductible just so you get a little bit extra out of it. And then what'll happen? That'll actually minimize the impact when you take home pay by doing it pretax as well. So, hopefully, that'll help towards the the budgeting side as well. Because I'm thinking there, that's what 5,000 a year coming out of the 5% mark around about.\n\nAnd then if you do that pretax, 70¢ on the dollar, yeah, it should save you an extra 1,000 to 1,500 a year take home pay impact, which that can obviously go towards your goals. Alright. So when I put together, like, an advice document, I'm going to be just noting down the the current contribution structure, recommending to update that. If you have done that in between, that's fine, but I just need to show, I guess, the what it was like and what we're recommending you to switch to. Perfect.\n\nNow when it comes to that income protection you noted before, you noted a two year benefit period, sixty day waiting period. I just wanted to gauge it with you in terms of preferences there because whenever I do insurance reviews, we can basically compare all the insurers in the market, see who's coming out the best. Sixty days, is that too short, too long? Can you last two months before getting income payments just based on your savings at the moment, or what would be your preference, sir? Yep.\n\nAnd you don't have heaps of leaves built up or anything? Perfect. So what that kind of cuts out as an option is, let's say, we extended your waiting period from sixty days all the way up to ninety days, so you had to wait three months to get payments. That makes it a lot more affordable, but then you've gotta be able to handle yourself for three months without that additional income coming through. So that to me just says that's off the table straight away, whereas we've gotta find other ways to kind of reduce the cost a little bit.\n\nNow do you want me to look at a bit of a quote for maybe a thirty day wait, which is pretty standard, or do you want me to keep it towards the 60? Okay. Yeah. Yeah. And that's one of the things too is whenever you, I guess, reduce the benefit, it's very easy to reduce cover, cancel cover, extend out waiting periods.\n\nIt's really just a letter to the insurer, and then that can be applied pretty well straight away. Anytime you increase something, then you've gotta go through applications, medical underwriting, and so forth. And it's much easier to drop it down than just consistently increasing it, if that makes sense. So I'll do the quotes for thirty days and sixty days just to see what it looks like. And if I can get you, like, an affordable thirty days, we'll go for that as well.\n\nThat way, even if it's just for a year or so, that'll get you through. And then once you've got that savings built, we can extend it to sixty. But then I'm also mindful of things like if you've spent it as a house deposit, if you consistently don't have that emergency fund available, you may need to keep it going for a little while. K? When it comes to benefit period, so what I'm sort of thinking here is you've got two years as a benefit period.\n\nThat's, I guess, the the minimum. It goes two years, five years, all the way up to the age of 65. That's usually pretty incumbent on what you do for your duties. Can I just ask in Queensland Health, are you just fully office based? Are you doing nursing?\n\nWhat what's your role? Okay. Oh, joy. Okay. So what would your what would your title be?\n\nSorry. Advanced peer worker, was it? Ensure support work and allied health. Less to do with the nursing side. Is there any, like, qualifications that go along with that in terms of degrees and diplomas that relate?\n\nYep. Okay. And is a bachelor in, like, nursing or or support? Occupational therapy. Fantastic.\n\nIs that a long term goal to start one of those occupational therapy businesses through NDIS or something? Or Fantastic. So you've got a full career trajectory for the next few years and a lot to work on in terms of the studying and work placements and role changes and employer changes. You definitely have a lot going on. That's for sure.\n\nSo what I'll do, I'm just noting down a few things there. Queensland Health is the employer. And, again, you're right. The acute mental health board, that puts you in a a decently risky kind of category. So we may need to just do some basic adjustments there.\n\nAnd one of the things too is when you go through the advice process, so we need to make sure that we note down your goals and see if we can leave you in a better position towards meeting those goals. If I can't actually get you anything better than what you have, I'll basically just give you some general advice and say, look. I couldn't find a better strategy or a better product, but what you can do is x, y, and zed, and then it'll pretty much be, I guess, complimentary at that point. Now if we do find a more suitable policy, we do actually get paid through, like, a commission structure where all the insurers pay the first year's premiums, 66 percent to advisers, and that kind of funds insurance advice. If you would like us to give, for example, superannuation advice, we can also give advice towards what to invest in, and that's charged as a separate percentage based fee to implement the advice if that makes sense.\n\nK? At this point, I'm really just gonna do the insurance review for the time being. Do you want me to look at the investments as well and kind of tie them both in together? What's your preference? Oh, fantastic.\n\nBrilliant. And if you don't mind me asking, Angela, what actually made you jump in and do that? Did you just one day say, I'm gonna look at my finances and how to play around with this? Or Cool. Okay.\n\nSo that's really fascinating. Yeah. So get the house first, get established, and then once you've got a bit more spare cash flow and capital behind you, go into some personal investing. And, again, preference is to stay away from the properties. And that's awesome.\n\nI'm seeing that a lot more with our generation, of course, is property is pretty easy to roll into. You pay down a mortgage, you borrow off of it and get the next property and so forth. But I'm seeing a lot of people going into shares, crypto, ETFs, and also seeing just a lot less headaches that way as well. And to be honest, take it from someone who invests in a little bit of everything, it is quite it's quite a lot. And if you don't have the the time to deal with it, sometimes it's easy to have something just build up in the background.\n\nPerfect. And that's one thing that I'll kind of give you as a bit of a tip too is superannuation is essentially just a bit of a tax haven bubble around investment platforms. And you can do a very similar, if not identical thing, personally, when the time comes to invest in almost the same stuff that your super does. And then, again, you can change it between, you know, your aggressive high growth. You can keep it a bit more balanced if you wanna access the funds a little bit earlier, and you get access to all of those different options and shares and manage funds and things like that.\n\nYeah. Perfect. So we'll start off with getting a handle on the budgeting for the first twelve months, moving into either rental or purchasing a property over that sort of zero to three years. And then once you're all established and some equity is built up and you've got some savings behind you, then branch into some investing. Brilliant.\n\nI love it. It's our generation seems to be the most, I guess, engaged with their finances as opposed I don't know if your parents were the same way, but they kind of went paycheck to paycheck until they hit fifty, sixty and went, oh, haven't really got much to show for it. And then we're trying to avoid falling into the same traps. Yeah. And look, it don't beat beat yourself up because it does take a lot of time to build those habits, and it's never just a linear pathway.\n\nYou just consistently go from year one to 10. I'm gonna go from here to there. It's gonna be up, down, around, around, and life tends to throw a few things at you as well. No doubt you've probably seen. Now just while I'm looking at it as well, so just to kind of cap off the the superannuation side of it, if you've already got your q super in the high growth investment, it's consistently doing just above that 10% mark.\n\nSo that's kind of what you're aiming for when you're looking for high growth or above is consistent double digit. Now, yes, you can get twelve, thirteen, 14% throughout the industry. It's available. But as long as you're hitting that nine to 10, you're pretty well on track in combination with your extra contribution. So that's going to really get you there very quickly.\n\nSo I pretty much wouldn't change anything there if that makes sense. Beautiful. The last one I wanted to just ask you, so when it comes to, like, the life and disability insurance, I'm trying to gauge whether you do have, when it said four units of 500,000, it's telling me you've got $2,000,000 worth of cover. Now that might be why you're paying $3 a year because that TBD for a couple million dollars may be $30 a week. If it was $30 a week for 500,000, that would be quite extreme.\n\nBut then again, with your occupation rating, that might be the reasoning too. So I will just kind of double check the amounts there. If you can send through a statement, that would be fantastic. Now when it comes to the amount that you actually need, though so you don't have the house yet. Do you know kind of the purchase price of the ones that you would like to get in to?\n\nYep. Yep. That's kind of what I was gonna say because I went through with a lot of staff members and even myself personally, everyone getting their first homes over the last five to six years. And when I first started, we were looking in Pimpama and Coomera. And Probably, it was.\n\n350, 400,000. And now, like you're saying, there's $7,800,000 very quickly, and it'll it will need somewhat of a deposit to do it. I know there are a lot of first home assistance and grants and things like that, so Brooke will be the best person there. But if hopefully, if you can get it within, say, twenty four to thirty six months, definitely seems achievable. But, again, on the one income, a little bit rough, but two bedroom to start with sounds pretty good to me.\n\nYeah. And it's one of those things too. Some people that I know have started with, like, a townhouse, and then just after a couple of years, it's gone up in value, and they've been able to borrow into a larger home and possibly have the you know, rent out the current one or sell it off, whatever your preference is, and just take a couple of steps on the ladder to get to that actual decent home. If it's any consolation, I actually quit searching in Pimpama and moved up more towards Logan for the first house, and that that trimmed a couple 100,000 off, but it wasn't fun living there for a few years. And Yeah.\n\nAnd no one wants to sit on the m one for an hour to an hour and a half every morning just to get to work. Perfect. Perfect. One last one I was gonna ask you, Angela, is just to do with the estate side of things and the cover that you don't have. So whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection.\n\nBut there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or additional insurances out of pocket. No. That's totally fair. I just have to bring it up as an option because there are four cover types. It's just that's the one that probably suits you the least at the moment.\n\nThen with the estate planning side of things, so you do have the two children. Have you got your beneficiaries organized through the super? Because that links to the life insurance. Yeah. Yep.\n\nYeah. Because as a guardian, he would receive the funds anyway or be in control of the funds if even if you left them to the children as well. So that makes sense. Okay. Alright.\n\nThe only option I was gonna sort of bring to the table is you can do things like a testamentary trust wills. So if you put in place a will, you can direct your super life insurance in there, and then it creates a trust fund when you pass. And then you can be a bit more specific in how that's distributed out to the kids, whether it's, you know, an income for them to to live on until they're 18 before they receive a lump sum. So it's a bit more flexible that way. But if you trust him, you know, happy to abide by your wishes.\n\nJust wanted to broach that as an option. Yeah. Perfect. And there's no other assets to to worry about. It's just the sort of the super and the savings is the main two at the moment?\n\nYeah. Do you mind if I just note down a bit of a an approximate sale value for the car? I know it is linked to an evaded lease, but do you know the approximate value for it? Yeah. That's okay.\n\nYep. That's easy enough. Again, we don't need to factor in selling your car to your financial plan, but it just counts as an asset. No other shares or crypto or anything floating around? Totally fair.\n\nAnd so at the moment, what I wanted to ask you as well is just on your documentation through QSuper. So you've gone through a separation. I did notice your name came through as Boyle, but your email's under Watson. I was just double checking. Yep.\n\nPerfect. So your ID would be under Watson, though. K. And what is your super reflect? Is that under Watson as well?\n\nYep. Perfect. Okay. And you are going through the process of, I guess, reverting everything back to to boil over time? Oh, it's probably not the most fun thing to be spending your weekend or weekdays doing when you do get a bit of time with two kids going on.\n\nLet me make sure I update. Yeah. No. Totally fair. And would you who would you put down as kind of, like, an emergency contact or next of kin?\n\nBecause, obviously, it's you and the kids. Would you put your partner down, sibling, parents? Yep. Alright. So as we get through towards the end of the process, we may actually put down her details as emergency contact.\n\nDon't need them at this time. Alright. I pretty much just need to go through a couple of quick questions regarding the health side of things, if that's okay. Because I've got everything from an occupational side of things. That'll get us our occupation rating.\n\nIn terms of insolvency, I'm assuming because you're working with Brooke that you've never gone through, like, a bankruptcy or debt agreement before. No. That's totally fair. Do we have a current will or power of attorney in place? Perfect.\n\nAnd smoking status. Not smoking. Super smart. Totally fair. Now when you went through all of the applications for Qsuvie, you would have gone through the underwriting process.\n\nDid they give you any exclusions or loadings that you can recall due to previous health concerns? K. And do you know what year you did the increase through QSuper? Yep. '20 '22.\n\nRank COVID time. Sounds about right. Perfect. Okay. Change.\n\nAlright. So the last couple of questions, probably the most sensitive ones to ask, but I just need to grab a height and weight for BMI calculations, if that's okay. Yep. Sixty seven, and that's one fifty eight centimeters. Perfect.\n\nAnd is there any kind of medications or major diagnosis that you've had pretty much going back as far as you can remember that I need to factor in for I guess what we do is a bit of a field underwriting. I will call the insurers anonymously and go through any health concerns just to see if they would give you any exclusions or loadings or issues, and that way I can best advise who to go through. Yep. 2016. So I'm assuming it was through, like, GP to start with, a specialist after that, or just through GP?\n\nPerfect. So 2016 GP psychiatrist, and it's just been medicated the whole way through from, I guess, 2016 till now. And if you don't mind me asking, which medication do they have you on? Lexapro, citalopram. Always fun trying to spell these things.\n\nK. So you got that. And do you know how many times you would have seen the psychiatrist originally? Was it all just in 2016 a few times, or was it over the span of a few years? It's really interesting.\n\nSo whenever it comes to, like, mental health, the insurance companies are pretty kind of backwards with it, where at the moment there's any kind of, like, you've been diagnosed with this and you're medicated and treated, they basically go, boom, there's an exclusion for mental health. Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see. So they're actually gonna flip that. But for the time being, it still leads to all of these exclusions. So I'm just gonna be very wary on, okay.\n\nI'm not gonna recommend you switch to another insurer if all of a sudden that leads to you having exclusion that you don't currently have. Yeah. Exactly right. Was there anything else that you've been sort of hospitalized for? Any other diagnoses that I need to sort of run by them?\n\nYeah. Right. Fantastic. You sure I may ask you which surgery was that? Gastric sleeve.\n\nOh, wow. Fantastic. Gastric sleeve. And that was just did you pay out of pocket for that one? Or private health.\n\nFantastic. If you don't mind me asking, they always ask any significant weight loss in the last twelve to twenty four months. How many kilos were you able to drop since you had it? Four. 40.\n\nOh my god. That is amazing. Congratulations. That's pretty cool. I had a a friend, really dear friend of mine who he just hit the sort of two hundred kilo mark and he got the sleeve done, and he just couldn't break below a 100.\n\nHe got himself down to, like, one ten over a few years, but just never got to break the 100, and he always wanted to. But, again, eighty, ninety kilos was still pretty good and definitely saved his health. Absolutely. Bump it up a little bit. Yep.\n\nYeah. So what I'm sort of leaning towards, Angela, is when we look at the the cover that you've got in QSuper is you have a heap of insurances that you're currently paying for, like, a a decent amount that you're paying for. Part of that price is because you've of your occupation, of course, and you don't currently have that large liability. You don't have the mortgage yet. So the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit?\n\nLike, if your super can handle it and it's growing fantastically, Absolutely. So the really, the the main thing is just trying to maybe jiggle around the income protection a little bit. And one thing that you can kind of lean towards is once you've got that degree finished and if you do move to being an occupational therapist, you're going to be improving your occupation rating. You'll be degree qualified, still hopefully on six figures, and slightly less risk, I guess they call it. I mean, it's kind of like going from a five to a four, but still technically less risk.\n\nSo one thing that you should pretty much do is once you do get into that field and you finish your degree is even just call QSuper or whichever insurer you're with and just update your occupation with them. Because if they can give you a better rating, they'll actually just apply it to your policy and drop your premiums down. Cool. Because at the moment, it seems like you can afford to have that much life and disability. The only issue I've got is the income protection's got a sixty day wait, which then you can't really last that long.\n\nBut if you bump it to thirty days now, that's gonna jump the price up as well. So I'll get a bit of a quote done just to see what it may look like. And I when I get that statement through from you, I just wanna double check if there's any loadings or anything applied to the policy. Because if you put that in place back in 2020, 2021, maybe there will be some loading that you can review and get removed to reduce the price as well. Perfect.\n\nSo I have thrown quite a bit of information at you so far. Any burning questions coming up so far for you? Awesome, Angela. So what I'll basically do from here is I'm gonna get the team to email you through our financial services guide. If you could just respond with your q super statement so I can double check some of these details.\n\nI will pretty much do some underwriting research and some quotes for you, and then they'll get you booked back in for a bit of a a follow-up with me. And if there's something we can do, we'll put together a plan. If not, I'll give you a few tips and ideas. Awesome. Any last questions for me before I let you go?\n\nWell, Angela, it was lovely meeting you today. I've got everything that I need, so I'm gonna go dive into it. Are you okay to email back through that statement possibly this week for a bit of a follow-up for the end of ah, beautiful. Do you have a pen and paper handy by chance? Cool.\n\nSo the best email address is info, so I n f o, and then it's literally @oakviewfinancial.com.au. So I know it's a bit of a long one. Correct. And then the team will send you through our both of our guides, bit of info about us. And what I might do as well is I probably need around about a week to do the research.\n\nIs there sort of best times and days to contact you? Yep. So once we get the the statement and do our research, do you want the team to just give you a bit of a text and an email just to organize a time with you? Fantastic. Awesome.\n\nWell, thank you so much for your time today. I will leave you to it, and we will be in touch next week. Thanks, Angela. Have a fantastic day.","paragraphs":[{"sentences":[{"text":"Good afternoon, Angela.","start":3.84,"end":4.96,"sentiment":"neutral","sentiment_score":0.31346964836120605},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.96,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.18791890144348145},{"text":"How are you doing?","start":6.8799996,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.1742994673550129},{"text":"I'm doing fantastic.","start":9.679999,"end":10.82,"sentiment":"positive","sentiment_score":0.7076822717984518},{"text":"Thank you for asking.","start":10.96,"end":11.94,"sentiment":"positive","sentiment_score":0.6887863278388977}],"sentiment":"positive","sentiment_score":0.3729157738742374,"num_words":21,"start":3.84,"end":11.94},{"sentences":[{"text":"I've just got you penciled in for a bit of an initial consultation.","start":12.495,"end":15.555,"sentiment":"neutral","sentiment_score":0.19463193875092727},{"text":"Do you still have time?","start":15.615,"end":16.755001,"sentiment":"neutral","sentiment_score":0.06051308736205101},{"text":"Perfect.","start":18.575,"end":18.975,"sentiment":"positive","sentiment_score":0.527091383934021},{"text":"Perfect.","start":18.975,"end":19.375,"sentiment":"positive","sentiment_score":0.36107754707336426},{"text":"So before I sort of jump into it, I've had a look at the details that Brooke has sent through, and I just wanted to kind of go through a bit of the process with how the advice works.","start":19.375,"end":29.26,"sentiment":"neutral","sentiment_score":0.08247806494816756}],"sentiment":"neutral","sentiment_score":0.11758634075522423,"num_words":59,"start":12.495,"end":29.26},{"sentences":[{"text":"Have you ever seen a financial adviser before?","start":29.26,"end":31.6,"sentiment":"neutral","sentiment_score":0.00198225409258157},{"text":"No.","start":33.18,"end":33.66,"sentiment":"neutral","sentiment_score":-0.0469495952129364},{"text":"Perfect.","start":33.66,"end":34.14,"sentiment":"neutral","sentiment_score":0.08945323526859283},{"text":"So, basically, how it works is we go through a bit of a discovery call at the moment where we're just trying to find out what you're trying to achieve, what the scope of our engagement is gonna be, and then we will kind of walk you through gathering details so that we can do some research and hopefully put together a bit of a plan for you.","start":34.14,"end":51.695,"sentiment":"neutral","sentiment_score":0.09871698390035068},{"text":"Perfect.","start":52.875,"end":53.375,"sentiment":"neutral","sentiment_score":0.2106703221797943}],"sentiment":"neutral","sentiment_score":0.08837704936961961,"num_words":79,"start":29.26,"end":53.375},{"sentences":[{"text":"Now what I've kind of seen so far is that you're really looking to review the insurances.","start":53.65,"end":58.390003,"sentiment":"neutral","sentiment_score":0.04034921033855747},{"text":"Can you just tell me in your own words what you're hoping to get out of this process?","start":59.010002,"end":62.550003,"sentiment":"neutral","sentiment_score":-0.0003215103254963954},{"text":"Yep.","start":69.225,"end":69.725,"sentiment":"neutral","sentiment_score":0.03429616987705231},{"text":"Yeah.","start":85.24,"end":85.74,"sentiment":"neutral","sentiment_score":0.010153699666261671},{"text":"And with the separation, has that involved anything to do with, like, property settlement or loans or anything like that?","start":85.88,"end":91.875,"sentiment":"neutral","sentiment_score":-0.011109253112226724}],"sentiment":"neutral","sentiment_score":0.008814284161321427,"num_words":57,"start":53.65,"end":91.875},{"sentences":[{"text":"Okay.","start":96.435,"end":96.935,"sentiment":"neutral","sentiment_score":0.003348845988512039},{"text":"And I'm assuming that there's a lot of importance with the kids at the moment.","start":97.715,"end":102.195,"sentiment":"neutral","sentiment_score":0.027647754115362962},{"text":"Do you how many dependents do you have?","start":102.195,"end":104.215,"sentiment":"neutral","sentiment_score":-0.0026836475590243936},{"text":"Two.","start":105.635,"end":106.035,"sentiment":"neutral","sentiment_score":-0.004457798320800066},{"text":"Two dependents.","start":106.035,"end":106.854996,"sentiment":"neutral","sentiment_score":-0.004480196628719568}],"sentiment":"neutral","sentiment_score":0.014191769839574894,"num_words":27,"start":96.435,"end":106.854996},{"sentences":[{"text":"Both under the age of six, I would assume, or seven in sort of June, July, April.","start":108.05,"end":120.705,"sentiment":"neutral","sentiment_score":0.006690133691710585},{"text":"Perfect.","start":122.604996,"end":123.005,"sentiment":"positive","sentiment_score":0.6482558250427246},{"text":"Okay.","start":123.005,"end":123.325,"sentiment":"positive","sentiment_score":0.44253477454185486},{"text":"So that's a good starting point to obviously talk about what your insurance needs are.","start":123.325,"end":127.345,"sentiment":"positive","sentiment_score":0.5443135837713877},{"text":"Is there any other sort of pressing goals for the next twelve months for you?","start":127.884995,"end":131.505,"sentiment":"neutral","sentiment_score":0.06529752363761267}],"sentiment":"neutral","sentiment_score":0.2111977445607891,"num_words":49,"start":108.05,"end":131.505},{"sentences":[{"text":"Okay.","start":155.195,"end":155.675,"sentiment":"neutral","sentiment_score":0.18387141823768616},{"text":"I'm with you.","start":155.675,"end":156.235,"sentiment":"neutral","sentiment_score":0.20395424465338388},{"text":"I'm with you.","start":156.235,"end":156.715,"sentiment":"neutral","sentiment_score":0.2536306430896123},{"text":"That's pretty sort of common for our generation.","start":156.715,"end":159.215,"sentiment":"neutral","sentiment_score":0.1531146252527833},{"text":"Do you mind if I just note down your date of birth, please?","start":159.595,"end":161.64,"sentiment":"neutral","sentiment_score":0.0355718620121479}],"sentiment":"neutral","sentiment_score":0.11585633177310228,"num_words":28,"start":155.195,"end":161.64},{"sentences":[{"text":"Please?","start":164.2,"end":164.7,"sentiment":"neutral","sentiment_score":0.010314119048416616},{"text":"Perfect.","start":166.44,"end":166.94,"sentiment":"neutral","sentiment_score":0.17694495618343353},{"text":"02/22/1993.","start":167.08,"end":169.56,"sentiment":"neutral","sentiment_score":0.07587109506130219},{"text":"So smack bang with us millennials in our budgeting crisis earning six figures, I'm assuming.","start":169.56,"end":174.955,"sentiment":"neutral","sentiment_score":-0.08575643474857013},{"text":"Perfect.","start":182.375,"end":182.775,"sentiment":"positive","sentiment_score":0.4130602478981018}],"sentiment":"neutral","sentiment_score":-0.032113479107226194,"num_words":19,"start":164.2,"end":182.775},{"sentences":[{"text":"And what's your sort of average income?","start":182.775,"end":184.375,"sentiment":"neutral","sentiment_score":0.022069752482431277},{"text":"Is it, like, salary, or are you on hourly rates?","start":184.375,"end":186.615,"sentiment":"neutral","sentiment_score":-0.01250918060541153},{"text":"Or yep.","start":186.615,"end":192.22,"sentiment":"neutral","sentiment_score":-0.027205382473766804},{"text":"3 2,300 to 3,000 fortnight, and that's take home in the hand.","start":203.335,"end":208.715,"sentiment":"neutral","sentiment_score":0.02403591216231386},{"text":"Perfect.","start":210.615,"end":211.115,"sentiment":"positive","sentiment_score":0.3967857956886291}],"sentiment":"neutral","sentiment_score":0.02063132618786767,"num_words":32,"start":182.775,"end":211.115},{"sentences":[{"text":"So it's terms of insurances.","start":211.44,"end":213.2,"sentiment":"neutral","sentiment_score":0.09787000343203545},{"text":"Do you have income protection through your super that's protecting that income?","start":213.2,"end":216.8,"sentiment":"neutral","sentiment_score":0.010162320298453173},{"text":"Or Yeah.","start":216.8,"end":246.11,"sentiment":"neutral","sentiment_score":0.042368985712528236},{"text":"Yeah.","start":246.11,"end":246.43,"sentiment":"neutral","sentiment_score":0.14856135845184326},{"text":"Absolutely.","start":246.43,"end":246.93,"sentiment":"neutral","sentiment_score":0.27627959847450256}],"sentiment":"neutral","sentiment_score":0.0533750851949056,"num_words":21,"start":211.44,"end":246.93},{"sentences":[{"text":"So a couple things that we've gotta be careful on is, like, claims definitions.","start":247.15,"end":251.515,"sentiment":"neutral","sentiment_score":0.05559427124847259},{"text":"So when you have a policy through Super, it needs to be able to meet, like, a condition of release to be paid out to you.","start":252.055,"end":258.855,"sentiment":"neutral","sentiment_score":0.14070154884113714},{"text":"And the definitions are a little bit more flexible if you get it out of pocket, But there's also kind of, like, these flexi linking policies that kind of give you a bit of both, and that's something that we can consider as well.","start":258.855,"end":269.88,"sentiment":"neutral","sentiment_score":0.1876114412126216},{"text":"When it comes to ensuring your income, usually, the maximum is 70% of your, I guess, gross income because it's taxable.","start":270.18002,"end":279.055,"sentiment":"neutral","sentiment_score":0.04763137132284187},{"text":"About 65%.","start":283.755,"end":285.215,"sentiment":"neutral","sentiment_score":-0.013687066268175842}],"sentiment":"neutral","sentiment_score":0.1277041882798772,"num_words":107,"start":247.15,"end":285.215},{"sentences":[{"text":"K.","start":285.835,"end":286.335,"sentiment":"neutral","sentiment_score":-0.00867239199578762},{"text":"Absolutely.","start":288.155,"end":288.3625,"sentiment":"neutral","sentiment_score":0.1746797114610672},{"text":"Do great.","start":288.3625,"end":301.53,"sentiment":"neutral","sentiment_score":0.28787563741207123},{"text":"I'll get a few sort of basic details just for our discussion because we do what's called a needs analysis, working out what you need, what are the sort of must haves versus the nice to haves, and then I can kind of go through a bit of research and see if we need to alter anything as well.","start":301.53,"end":327.69998,"sentiment":"neutral","sentiment_score":0.079349004047907},{"text":"Yeah.","start":332.095,"end":332.415,"sentiment":"neutral","sentiment_score":0.1335919201374054}],"sentiment":"neutral","sentiment_score":0.08682721489458345,"num_words":64,"start":285.835,"end":332.415},{"sentences":[{"text":"And you did mention, obviously, you've been doing a lot of the logistics on the budgeting side of things.","start":332.415,"end":336.89502,"sentiment":"neutral","sentiment_score":0.09692313620134403},{"text":"So just while you're logging in to get those details, have you actually got a bit of a budget to paper or, like, a spreadsheet or anything like that so far?","start":336.89502,"end":344.85,"sentiment":"neutral","sentiment_score":0.04805428516720572},{"text":"Yep.","start":369.27002,"end":369.77002,"sentiment":"neutral","sentiment_score":0.08917947858572006},{"text":"Cool.","start":383.11002,"end":383.35,"sentiment":"positive","sentiment_score":0.5700185894966125},{"text":"So you do have a bit of a a fun account.","start":383.35,"end":385.365,"sentiment":"positive","sentiment_score":0.49886498667977075}],"sentiment":"neutral","sentiment_score":0.15044341824712262,"num_words":63,"start":332.415,"end":385.365},{"sentences":[{"text":"And do you have anything kind of long term savings or long term fun or anything like that?","start":385.505,"end":390.405,"sentiment":"neutral","sentiment_score":0.11687945740090476},{"text":"Perfect.","start":399.425,"end":399.82498,"sentiment":"positive","sentiment_score":0.5424731373786926},{"text":"That's that's pretty common.","start":399.82498,"end":400.99,"sentiment":"neutral","sentiment_score":0.289901539683342},{"text":"That's probably the most common thing that I see is people can put aside their $3.04, 500 a week, whatever it is.","start":400.99,"end":407.38998,"sentiment":"neutral","sentiment_score":0.17535364492373032},{"text":"And then every so often, something comes due or they wanna go have some fun, and they're just constantly dipping into it.","start":407.38998,"end":413.31,"sentiment":"neutral","sentiment_score":0.03730182967741381}],"sentiment":"neutral","sentiment_score":0.12663179060527638,"num_words":67,"start":385.505,"end":413.31},{"sentences":[{"text":"And then at the end of the year, it's kind of just where it was, maybe a bit less, maybe a bit more.","start":413.31,"end":418.26498,"sentiment":"neutral","sentiment_score":-0.07677681306781976},{"text":"Is that kind of your experience?","start":418.26498,"end":419.805,"sentiment":"neutral","sentiment_score":0.012350179875890413},{"text":"Or perfect.","start":419.865,"end":430.365,"sentiment":"neutral","sentiment_score":0.26896647922694683},{"text":"Gotcha.","start":435.21,"end":435.69,"sentiment":"neutral","sentiment_score":0.06938203424215317},{"text":"Do you have, like, a a set amount for the fortnightly pay you're putting in there to start with?","start":435.69,"end":439.55,"sentiment":"neutral","sentiment_score":0.08070061493076776}],"sentiment":"neutral","sentiment_score":0.00880119715835534,"num_words":51,"start":413.31,"end":439.55},{"sentences":[{"text":"Yep.","start":457.145,"end":457.56,"sentiment":"positive","sentiment_score":0.4833487868309021},{"text":"Yeah.","start":472.91998,"end":472.995,"sentiment":"neutral","sentiment_score":0.3256531357765198},{"text":"If you earn 2,300 for the fortnight, maybe it's 700.","start":473.235,"end":476.035,"sentiment":"positive","sentiment_score":0.3668577581644058},{"text":"If you earn the full 3 thousand, maybe you can put away a thousand.","start":476.035,"end":478.935,"sentiment":"positive","sentiment_score":0.3949512115546635},{"text":"Okay.","start":494.53,"end":494.93002,"sentiment":"neutral","sentiment_score":0.2456730306148529}],"sentiment":"positive","sentiment_score":0.3797247961715416,"num_words":27,"start":457.145,"end":494.93002},{"sentences":[{"text":"So like you said, the logistics have been broken up pretty detailed.","start":494.93002,"end":498.93002,"sentiment":"neutral","sentiment_score":0.33298807467023533},{"text":"Obviously, you've got your different expense accounts and making it work with the kids and bit of savings, bit of fun.","start":498.93002,"end":504.32498,"sentiment":"positive","sentiment_score":0.3942914381623268},{"text":"So that's pretty easy for me to work out a bit of proportion to sort of see what percentage is spending on expenses versus fund versus savings.","start":504.705,"end":512.645,"sentiment":"positive","sentiment_score":0.4495357156351761},{"text":"What do you find is the most consistent issue that you run into or having to dip into it?","start":513.66003,"end":517.74,"sentiment":"neutral","sentiment_score":0.1115870475769043},{"text":"Is it just something pops up that you wanna go and do, or where do you find that that occurs?","start":517.74,"end":522.56,"sentiment":"neutral","sentiment_score":0.09859412554651499}],"sentiment":"neutral","sentiment_score":0.28793411954033254,"num_words":99,"start":494.93002,"end":522.56},{"sentences":[{"text":"Yeah.","start":541.765,"end":542.265,"sentiment":"positive","sentiment_score":0.46206170320510864},{"text":"Yes.","start":557.74,"end":558.135,"sentiment":"neutral","sentiment_score":0.037721745669841766},{"text":"I think that's probably my biggest tip at the to begin with is just making sure you split the short term fund versus long term fund because that's where everybody runs into that trouble is they kind of there's always something popping up.","start":588.71497,"end":600.39,"sentiment":"neutral","sentiment_score":0.06741371153052463},{"text":"And then when it comes time for that long term thing, they're dipping into savings instead.","start":600.55,"end":604.25,"sentiment":"neutral","sentiment_score":-0.0429130659904331},{"text":"And it's just saying, okay.","start":604.47003,"end":605.93,"sentiment":"neutral","sentiment_score":0.10237532407045365}],"sentiment":"neutral","sentiment_score":0.04884606983625528,"num_words":66,"start":541.765,"end":605.93},{"sentences":[{"text":"Yeah.","start":608.23004,"end":608.55,"sentiment":"neutral","sentiment_score":0.09678620845079422},{"text":"My my wife was the exact same way.","start":608.55,"end":610.15,"sentiment":"neutral","sentiment_score":0.08567225188016891},{"text":"Like, we've been together for almost twelve years now, and we spent, I think, the first five or six just working on, like, budgeting and things like that.","start":610.15,"end":618.14496,"sentiment":"neutral","sentiment_score":0.06976963113993406},{"text":"And she was the same way.","start":618.205,"end":619.485,"sentiment":"neutral","sentiment_score":0.12626046439011893},{"text":"Like, if it was there, she would there would be something that popped up to spend it on because she works at Meijer.","start":619.485,"end":625.005,"sentiment":"neutral","sentiment_score":0.11684698935436166}],"sentiment":"neutral","sentiment_score":0.09364783995305047,"num_words":66,"start":608.23004,"end":625.005},{"sentences":[{"text":"She gets staff discounts, so she's going, okay.","start":625.005,"end":627.12,"sentiment":"neutral","sentiment_score":0.22390617989003658},{"text":"Well, there's this I wanna get for the kids or for myself or for you, and there was always something to do.","start":627.2,"end":631.76,"sentiment":"neutral","sentiment_score":0.18666407228870827},{"text":"But then if we wanted to go to a concert or overseas, we had never built up that amount, if that makes sense.","start":631.76,"end":637.14,"sentiment":"neutral","sentiment_score":0.10645619423493095},{"text":"Yeah.","start":657.31,"end":657.63,"sentiment":"neutral","sentiment_score":0.2946031987667084},{"text":"So I think that's where the discipline comes in of just saying, okay.","start":657.63,"end":660.51,"sentiment":"positive","sentiment_score":0.35144781837096584}],"sentiment":"neutral","sentiment_score":0.19716084081290372,"num_words":67,"start":625.005,"end":660.51},{"sentences":[{"text":"I wanna have maybe a 100 a fortnight for incidentals and splurging, and then this set amount is gonna be in a completely different account that's just building up towards a specific goal, holiday, whatever it was, and then just adjust it every month or two.","start":660.51,"end":676.70496,"sentiment":"neutral","sentiment_score":0.1965857059897288},{"text":"So I would definitely break that up into two.","start":678.285,"end":680.34,"sentiment":"positive","sentiment_score":0.34124745594130623},{"text":"That'll be sort of first port of call.","start":680.9,"end":682.66003,"sentiment":"neutral","sentiment_score":0.28763479739427567},{"text":"Is there anything in particular that you're sort of trying to build towards now for the next year, three years or so?","start":682.66003,"end":687.96,"sentiment":"neutral","sentiment_score":0.22506778077645737},{"text":"Yeah.","start":720.78503,"end":721.28503,"sentiment":"positive","sentiment_score":0.48880961537361145}],"sentiment":"neutral","sentiment_score":0.23087847384429255,"num_words":86,"start":660.51,"end":721.28503},{"sentences":[{"text":"Yep.","start":740.18,"end":740.68,"sentiment":"neutral","sentiment_score":0.052791938185691833},{"text":"So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out.","start":751.395,"end":761.68,"sentiment":"neutral","sentiment_score":0.14781933106683395},{"text":"The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time.","start":762.22,"end":771.58,"sentiment":"neutral","sentiment_score":0.14302625613553183},{"text":"So what I mean by that is if we have a specific goal of let's try and put away this much for a full twelve months and make sure that stays as savings, we start there, and then we start to refine, okay, as we're now consistently doing this, what can we hit when?","start":771.58,"end":789.34,"sentiment":"neutral","sentiment_score":0.13962743403734984},{"text":"And that will give you a gauge to say, okay.","start":789.4,"end":791.66003,"sentiment":"neutral","sentiment_score":0.08070815689861774}],"sentiment":"neutral","sentiment_score":0.13777364349930826,"num_words":137,"start":740.18,"end":791.66003},{"sentences":[{"text":"I really need to take that holiday.","start":791.8,"end":793.42004,"sentiment":"neutral","sentiment_score":0.0073698365262576514},{"text":"I really need to have the bond saved up for the rent.","start":793.56,"end":796.06,"sentiment":"neutral","sentiment_score":0.07782731143136819},{"text":"And then you go, okay.","start":796.36005,"end":797.72003,"sentiment":"neutral","sentiment_score":0.0908293753862381},{"text":"I've got the money aside for not.","start":797.72003,"end":799.58,"sentiment":"neutral","sentiment_score":0.16050746611186437},{"text":"You can push the goals forward or back a year or two, that kind of thing.","start":800.12,"end":804.175,"sentiment":"neutral","sentiment_score":0.3125477861613035}],"sentiment":"neutral","sentiment_score":0.16093575130117702,"num_words":47,"start":791.8,"end":804.175},{"sentences":[{"text":"So the very first twelve months is always just build the consistent habits and then refine, okay, what can we actually achieve in the five year time span, if that makes sense.","start":804.175,"end":813.795,"sentiment":"neutral","sentiment_score":0.3147000507451594},{"text":"So if you don't mind me asking, how much have you currently got in savings at the moment?","start":815.455,"end":819.95,"sentiment":"neutral","sentiment_score":0.07431267946958542},{"text":"$2.","start":823.29,"end":823.85,"sentiment":"neutral","sentiment_score":0.14821380376815796},{"text":"Yeah.","start":823.85,"end":824.35,"sentiment":"positive","sentiment_score":0.4186888933181762},{"text":"Perfect.","start":824.57,"end":825.07,"sentiment":"positive","sentiment_score":0.5395632386207581}],"sentiment":"neutral","sentiment_score":0.23612256207556095,"num_words":53,"start":804.175,"end":825.07},{"sentences":[{"text":"And so in order to do, for example, the Botox, the bonds, obviously, the house deposit, that's a little bit bigger than bond for a rental.","start":825.45,"end":832.75,"sentiment":"neutral","sentiment_score":0.19151168316602707},{"text":"So that kind of comes a bit first and a bit of an emergency fund.","start":832.835,"end":836.615,"sentiment":"neutral","sentiment_score":0.19692548116048178},{"text":"If we keep it at that consistent, say, 700 a fortnight, that's pure savings.","start":837.475,"end":842.935,"sentiment":"neutral","sentiment_score":0.2964153438806534},{"text":"Would you say that's reasonable?","start":842.995,"end":844.215,"sentiment":"neutral","sentiment_score":0.23724813461303712},{"text":"Cool.","start":847.235,"end":847.71,"sentiment":"positive","sentiment_score":0.4567841291427612}],"sentiment":"neutral","sentiment_score":0.2250168130534594,"num_words":61,"start":825.45,"end":847.71},{"sentences":[{"text":"Okay.","start":847.71,"end":848.03,"sentiment":"neutral","sentiment_score":0.22156301140785217},{"text":"So we'll put that in.","start":848.03,"end":849.33,"sentiment":"neutral","sentiment_score":0.08790933713316917},{"text":"And that's the thing too is as you move into a rental or purchase a home, you have to consistently kind of readjust the budget.","start":853.63,"end":860.655,"sentiment":"neutral","sentiment_score":0.26505283057689666},{"text":"So for now, let's just work on again habits for the time being and then building up that deposit.","start":861.135,"end":865.875,"sentiment":"neutral","sentiment_score":0.24189424671624837},{"text":"So have you looked at the the rentals recently to see kind of how much of a bond you need to save up or anything like that?","start":866.575,"end":873.68,"sentiment":"neutral","sentiment_score":0.06846427613938297}],"sentiment":"neutral","sentiment_score":0.17833709876452172,"num_words":77,"start":847.71,"end":873.68},{"sentences":[{"text":"Yep.","start":879.3375,"end":879.8375,"sentiment":"neutral","sentiment_score":0.05077018588781357},{"text":"Yep.","start":890.535,"end":890.855,"sentiment":"neutral","sentiment_score":0.02386142872273922},{"text":"And is there a pretty big need to move out of the parents with with the kids and everything that you've you've kind of stuck to a twelve month time limit?","start":890.855,"end":899.19,"sentiment":"neutral","sentiment_score":-0.09233442501675698},{"text":"Yeah.","start":931.54,"end":932.04,"sentiment":"neutral","sentiment_score":0.07362943142652512},{"text":"Perfect.","start":942.595,"end":942.915,"sentiment":"neutral","sentiment_score":0.16852305829524994}],"sentiment":"neutral","sentiment_score":-0.0727309448910611,"num_words":35,"start":879.3375,"end":942.915},{"sentences":[{"text":"So May year or May year?","start":942.915,"end":944.935,"sentiment":"neutral","sentiment_score":0.06280072095493476},{"text":"This year.","start":946.27496,"end":946.755,"sentiment":"neutral","sentiment_score":0.10737623274326324},{"text":"Okay.","start":946.755,"end":947.255,"sentiment":"neutral","sentiment_score":0.24072608351707456},{"text":"Perfect.","start":947.315,"end":947.795,"sentiment":"positive","sentiment_score":0.4224591851234436},{"text":"So we do need to pump a little bit of savings in there for the next couple of months to make sure the bond is secured at the very least.","start":947.795,"end":955.68994,"sentiment":"neutral","sentiment_score":0.19304231330752372}],"sentiment":"neutral","sentiment_score":0.17615028647705913,"num_words":40,"start":942.915,"end":955.68994},{"sentences":[{"text":"And then after that, it's kind of saying, okay.","start":955.68994,"end":957.61,"sentiment":"neutral","sentiment_score":0.07984321771396531},{"text":"Can we build up that 15 to 20,000 a year into savings towards the house deposit?","start":957.61,"end":962.985,"sentiment":"neutral","sentiment_score":0.24886971712112427},{"text":"That kind of thing.","start":963.225,"end":964.445,"sentiment":"neutral","sentiment_score":0.1313960961997509},{"text":"Does that sound fair enough?","start":965.305,"end":967.08496,"sentiment":"neutral","sentiment_score":0.17196190655231475},{"text":"Yep.","start":968.745,"end":969.225,"sentiment":"positive","sentiment_score":0.4433712363243103}],"sentiment":"neutral","sentiment_score":0.18655055963567324,"num_words":35,"start":955.68994,"end":969.225},{"sentences":[{"text":"Perfect.","start":969.225,"end":969.725,"sentiment":"positive","sentiment_score":0.7468011379241943},{"text":"So I'll put in the savings goals for the time being.","start":969.865,"end":972.685,"sentiment":"positive","sentiment_score":0.4846850877458399},{"text":"One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is kind of like consumer protections.","start":973.065,"end":982.36005,"sentiment":"neutral","sentiment_score":0.17496004154284794},{"text":"It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as well.","start":982.36005,"end":995.805,"sentiment":"neutral","sentiment_score":0.14077012872566347},{"text":"Perfect.","start":997.305,"end":997.805,"sentiment":"neutral","sentiment_score":0.2380166202783585}],"sentiment":"neutral","sentiment_score":0.2027031560794691,"num_words":89,"start":969.225,"end":997.805},{"sentences":[{"text":"How did you go with your q super login, if you don't mind me asking?","start":998.105,"end":1001.565,"sentiment":"neutral","sentiment_score":0.07157800967494647},{"text":"Yeah.","start":1015.32,"end":1015.64,"sentiment":"neutral","sentiment_score":0.1815708577632904},{"text":"Perfect.","start":1015.64,"end":1016.04004,"sentiment":"neutral","sentiment_score":0.2545194625854492},{"text":"So sometimes those government super funds, they kind of give you a total benefit that incorporates your super, and then underneath it, they kind of tell you how much is insured.","start":1016.04004,"end":1025.985,"sentiment":"neutral","sentiment_score":0.14354860350008933},{"text":"Is it kind of broken into two lump sum amounts for death cover or just one?","start":1026.205,"end":1037.9199,"sentiment":"neutral","sentiment_score":0.06463549798354506}],"sentiment":"neutral","sentiment_score":0.10928023658925667,"num_words":64,"start":998.105,"end":1037.9199},{"sentences":[{"text":"Yep.","start":1037.9199,"end":1038.4199,"sentiment":"neutral","sentiment_score":0.05316102132201195},{"text":"K.","start":1044.64,"end":1045.095,"sentiment":"neutral","sentiment_score":0.029668768867850304},{"text":"So we've got $4.87 per week, and we've got four units, 500,000.","start":1045.1749,"end":1052.315,"sentiment":"neutral","sentiment_score":0.04610761317114035},{"text":"That's okay.","start":1052.615,"end":1053.1749,"sentiment":"neutral","sentiment_score":0.18113227933645248},{"text":"Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults.","start":1053.1749,"end":1057.495,"sentiment":"neutral","sentiment_score":0.10288670063018798}],"sentiment":"neutral","sentiment_score":0.08489221443111698,"num_words":36,"start":1037.9199,"end":1057.495},{"sentences":[{"text":"You haven't actually changed it yourself before, have you?","start":1057.495,"end":1060.46,"sentiment":"neutral","sentiment_score":0.011123015648788877},{"text":"Like, increased or decreased the cover?","start":1060.46,"end":1062.5599,"sentiment":"neutral","sentiment_score":-0.02366098016500473},{"text":"Perfect.","start":1080.075,"end":1080.5549,"sentiment":"positive","sentiment_score":0.34055620431900024},{"text":"Perfect.","start":1080.5549,"end":1081.0549,"sentiment":"positive","sentiment_score":0.35004374384880066},{"text":"Is the TPD the exact same?","start":1081.4349,"end":1083.9149,"sentiment":"neutral","sentiment_score":0.004310247876370947}],"sentiment":"neutral","sentiment_score":0.029330551968482527,"num_words":23,"start":1057.495,"end":1083.9149},{"sentences":[{"text":"Four units, 500,000 similar premium.","start":1083.9149,"end":1097.65,"sentiment":"neutral","sentiment_score":0.003997610067017376},{"text":"$30.35 per week.","start":1098.91,"end":1100.565,"sentiment":"neutral","sentiment_score":0.030363557239373524},{"text":"Okay.","start":1102.485,"end":1102.725,"sentiment":"neutral","sentiment_score":0.13678136467933655},{"text":"So it's significantly higher than the life insurance.","start":1102.725,"end":1105.225,"sentiment":"neutral","sentiment_score":0.016431743279099464},{"text":"Usually, they're a little bit closer than that.","start":1105.2849,"end":1107.445,"sentiment":"neutral","sentiment_score":-0.07118206284940243}],"sentiment":"neutral","sentiment_score":-0.007605698793195188,"num_words":25,"start":1083.9149,"end":1107.445},{"sentences":[{"text":"So just under $5 a week for the life insurance, but $30 a week for the TPD, which is coming out to about 1,500 for the TPD, a little bit less for the life insurance.","start":1107.445,"end":1120.17,"sentiment":"neutral","sentiment_score":0.011817542605734031},{"text":"Right?","start":1120.17,"end":1120.33,"sentiment":"neutral","sentiment_score":0.05449213087558746},{"text":"So we got a couple of grand coming out there in premiums.","start":1120.33,"end":1122.65,"sentiment":"neutral","sentiment_score":0.21695218918224177},{"text":"So it's definitely been increased, that's for sure, from the default, which would normally be under a thousand bucks.","start":1122.65,"end":1128.045,"sentiment":"neutral","sentiment_score":0.08311045993315547},{"text":"What about the income protection?","start":1129.0851,"end":1130.865,"sentiment":"neutral","sentiment_score":0.025842741131782532}],"sentiment":"neutral","sentiment_score":0.06638673384238952,"num_words":72,"start":1107.445,"end":1130.865},{"sentences":[{"text":"150 per month.","start":1140.765,"end":1142.84,"sentiment":"neutral","sentiment_score":0.020351140449444454},{"text":"Okay.","start":1157.245,"end":1157.5651,"sentiment":"neutral","sentiment_score":0.02360786870121956},{"text":"Seems a little bit high for your age.","start":1157.5651,"end":1160.0651,"sentiment":"neutral","sentiment_score":-0.15923576289787889},{"text":"Not gonna lie because just under $3,000 for insurance coming out of the super.","start":1160.4451,"end":1166.465,"sentiment":"neutral","sentiment_score":-0.12880583480000496},{"text":"Working back your income before, it does seem like you're pretty close that kind of $100,000 mark, which would net you around about oh, pay calculator says 2,900 a fortnight in hand, so we're getting pretty close to that mark.","start":1168.365,"end":1181.5599,"sentiment":"neutral","sentiment_score":-0.004960673116147518}],"sentiment":"neutral","sentiment_score":-0.048347476136052246,"num_words":66,"start":1140.765,"end":1181.5599},{"sentences":[{"text":"What I need to sort of be careful on is let's say you have a $100,000 income.","start":1182.74,"end":1186.955,"sentiment":"neutral","sentiment_score":-0.08952371535055778},{"text":"Are you doing any, like, employer matching schemes through work for your contributions, or are they just paying that standard?","start":1187.415,"end":1193.835,"sentiment":"neutral","sentiment_score":-0.04174774438142777},{"text":"Yep.","start":1199.095,"end":1199.575,"sentiment":"neutral","sentiment_score":0.03928487002849579},{"text":"And you're doing that currently?","start":1199.575,"end":1201.035,"sentiment":"neutral","sentiment_score":0.016289752349257468},{"text":"And 5%.","start":1203.03,"end":1203.99,"sentiment":"neutral","sentiment_score":0.0020030185114592314}],"sentiment":"neutral","sentiment_score":-0.049602630662007464,"num_words":45,"start":1182.74,"end":1203.99},{"sentences":[{"text":"Now the little bit of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions.","start":1203.99,"end":1214.1549,"sentiment":"neutral","sentiment_score":-0.06783249327226688},{"text":"Do you know specifically if you signed that form or you told your payroll to salary sacrifice?","start":1214.7749,"end":1220.075,"sentiment":"neutral","sentiment_score":-0.050494104623794556},{"text":"Yep.","start":1229.35,"end":1229.85,"sentiment":"neutral","sentiment_score":-0.019084833562374115},{"text":"That's okay.","start":1235.59,"end":1236.39,"sentiment":"neutral","sentiment_score":0.04029546771198511},{"text":"Would it be possible at some point to get maybe just a a one off payslip so I can have a look at how it's broken down.","start":1236.39,"end":1244.5569,"sentiment":"neutral","sentiment_score":0.15939008306573937}],"sentiment":"neutral","sentiment_score":0.010929456725716592,"num_words":85,"start":1203.99,"end":1244.5569},{"sentences":[{"text":"Cool.","start":1244.5569,"end":1244.9409,"sentiment":"neutral","sentiment_score":0.22580987215042111},{"text":"Because the way they do it on that form, and it was the strangest thing when I found it out about five years ago, was that form automatically puts those extra contributions in as post tax as non concessional.","start":1244.9409,"end":1257.26,"sentiment":"neutral","sentiment_score":-0.014440929373869529},{"text":"Whereas in order to do it pretax and salary sacrifice, you actually have to basically tell payroll to do a salary sacrifice.","start":1257.8,"end":1265.18,"sentiment":"neutral","sentiment_score":-0.012425103309479628},{"text":"So 99 out of a 100 Queensland Health employees are doing the nontax deductible version of it.","start":1265.4801,"end":1272.375,"sentiment":"neutral","sentiment_score":0.07406971625545446},{"text":"Oh, okay.","start":1279.7949,"end":1280.615,"sentiment":"neutral","sentiment_score":0.0516203548759222}],"sentiment":"neutral","sentiment_score":0.009280089380932444,"num_words":81,"start":1244.5569,"end":1280.615},{"sentences":[{"text":"Oh, that's always fun.","start":1315.37,"end":1316.67,"sentiment":"positive","sentiment_score":0.39770475029945374},{"text":"What I was sort of just working out in the background is that when you have, let's say, an income of a 100,000, if you're getting that standard 12% in your contributions, which you're obviously getting the full kind of seventeen, seventeen and a half, is what proportion of that is actually going out in premiums and fees just to make sure that that's not chopping out 30 to 40% of your contributions just for insurance premiums.","start":1316.73,"end":1339.3099,"sentiment":"neutral","sentiment_score":0.03935514163080748},{"text":"It's kind of how I work out a bit of an affordability flag there.","start":1342.09,"end":1345.47,"sentiment":"neutral","sentiment_score":0.04227115746055331},{"text":"How much is it sitting out currently as of today in terms of just daily balance?","start":1360.265,"end":1367.2999,"sentiment":"neutral","sentiment_score":-0.02193954068934545},{"text":"Perfect.","start":1380.095,"end":1380.595,"sentiment":"positive","sentiment_score":0.5024503469467163}],"sentiment":"neutral","sentiment_score":0.04789623934941899,"num_words":112,"start":1315.37,"end":1380.595},{"sentences":[{"text":"Okay.","start":1380.655,"end":1381.055,"sentiment":"neutral","sentiment_score":0.29203879833221436},{"text":"So overall, you have a really good amount of cover and a really good balance for your age.","start":1381.055,"end":1386.51,"sentiment":"positive","sentiment_score":0.5639780859152476},{"text":"The good thing there is you can basically you're doing those extra contributions through work.","start":1387.63,"end":1392.93,"sentiment":"positive","sentiment_score":0.5091250797112783},{"text":"That'll get you really far really quickly.","start":1393.15,"end":1395.97,"sentiment":"positive","sentiment_score":0.5872886266027179},{"text":"At a certain point, you can basically turn those off, and the growth will be able to carry it from that, say, once you've got $3,400,000, it'll actually carry just from growth up to that, you know, million million and a half mark by retirement.","start":1396.1901,"end":1409.625,"sentiment":"neutral","sentiment_score":0.13603613587717214}],"sentiment":"neutral","sentiment_score":0.32922287257171645,"num_words":86,"start":1380.655,"end":1409.625},{"sentences":[{"text":"So you're kind of ahead for your age, if that makes sense.","start":1410.005,"end":1413.465,"sentiment":"neutral","sentiment_score":0.22152364129821459},{"text":"Yeah.","start":1426.26,"end":1426.5,"sentiment":"neutral","sentiment_score":0.04015164822340011},{"text":"Perfect.","start":1426.5,"end":1426.9,"sentiment":"neutral","sentiment_score":0.1264684498310089},{"text":"And do you have a I know it's decades away, but do you have a preference for wanting to retire earlier, or you just sort of go a bit more slow and steady and and keep going?","start":1426.9,"end":1435.9349,"sentiment":"neutral","sentiment_score":-0.03674670188008128},{"text":"Because it's a bit of a split in the country when I ask that question.","start":1435.9349,"end":1438.995,"sentiment":"neutral","sentiment_score":-0.04820419152577718}],"sentiment":"neutral","sentiment_score":0.011245650775504835,"num_words":66,"start":1410.005,"end":1438.995},{"sentences":[{"text":"Where do you lean?","start":1439.135,"end":1440.115,"sentiment":"neutral","sentiment_score":-0.01991963037289679},{"text":"Right.","start":1455.0,"end":1455.5,"sentiment":"neutral","sentiment_score":-0.05492953583598137},{"text":"Yeah.","start":1463.085,"end":1463.585,"sentiment":"neutral","sentiment_score":-0.05730682983994484},{"text":"Absolutely.","start":1464.365,"end":1464.865,"sentiment":"neutral","sentiment_score":-0.037015657871961594},{"text":"And having enough there no.","start":1465.165,"end":1468.605,"sentiment":"negative","sentiment_score":-0.4339107424020767}],"sentiment":"neutral","sentiment_score":-0.1998736880874882,"num_words":12,"start":1439.135,"end":1468.605},{"sentences":[{"text":"It's not fun.","start":1468.605,"end":1469.405,"sentiment":"negative","sentiment_score":-0.43678195029497147},{"text":"I know I think COVID was probably the roughest period for people having to line up at Centrelink to try and get appointments and then come back for the appointment, and they're just constantly at that office driving three or four times just to get one thing sorted.","start":1469.405,"end":1481.96,"sentiment":"neutral","sentiment_score":-0.05883729322037349},{"text":"It's probably a bit easier for us to try and become self funded by doing a couple of things in our thirties, so we don't have to worry about that before tax.","start":1482.02,"end":1496.115,"sentiment":"neutral","sentiment_score":0.2626810137880966},{"text":"So it's actually called, like, salary sacrifice or after tax.","start":1496.115,"end":1502.76,"sentiment":"neutral","sentiment_score":-0.007345334067940712},{"text":"K.","start":1503.16,"end":1503.66,"sentiment":"neutral","sentiment_score":0.07780183851718903}],"sentiment":"neutral","sentiment_score":0.04548515971908544,"num_words":94,"start":1468.605,"end":1503.66},{"sentences":[{"text":"If you're comfortable with it because you are on six figures, one of my recommendations might be to convert that to tax deductible just so you get a little bit extra out of it.","start":1504.84,"end":1514.22,"sentiment":"neutral","sentiment_score":0.30547578282216015},{"text":"And then what'll happen?","start":1516.92,"end":1518.22,"sentiment":"neutral","sentiment_score":0.2006796970963478},{"text":"That'll actually minimize the impact when you take home pay by doing it pretax as well.","start":1520.515,"end":1525.015,"sentiment":"positive","sentiment_score":0.4193335548043251},{"text":"So, hopefully, that'll help towards the the budgeting side as well.","start":1525.2351,"end":1528.4551,"sentiment":"positive","sentiment_score":0.5849769792773507},{"text":"Because I'm thinking there, that's what 5,000 a year coming out of the 5% mark around about.","start":1531.2351,"end":1536.71,"sentiment":"neutral","sentiment_score":0.20724600290550904}],"sentiment":"positive","sentiment_score":0.33970928173966525,"num_words":82,"start":1504.84,"end":1536.71},{"sentences":[{"text":"And then if you do that pretax, 70¢ on the dollar, yeah, it should save you an extra 1,000 to 1,500 a year take home pay impact, which that can obviously go towards your goals.","start":1536.85,"end":1551.585,"sentiment":"neutral","sentiment_score":0.2919448020265383},{"text":"Alright.","start":1554.2849,"end":1554.7649,"sentiment":"neutral","sentiment_score":0.3239773213863373},{"text":"So when I put together, like, an advice document, I'm going to be just noting down the the current contribution structure, recommending to update that.","start":1554.7649,"end":1564.02,"sentiment":"neutral","sentiment_score":0.1827074432373047},{"text":"If you have done that in between, that's fine, but I just need to show, I guess, the what it was like and what we're recommending you to switch to.","start":1564.02,"end":1571.64,"sentiment":"neutral","sentiment_score":0.14056429862976075},{"text":"Perfect.","start":1573.7,"end":1574.175,"sentiment":"positive","sentiment_score":0.5349750518798828}],"sentiment":"neutral","sentiment_score":0.21505154595597759,"num_words":92,"start":1536.85,"end":1574.175},{"sentences":[{"text":"Now when it comes to that income protection you noted before, you noted a two year benefit period, sixty day waiting period.","start":1575.135,"end":1584.435,"sentiment":"neutral","sentiment_score":0.0744988906451247},{"text":"I just wanted to gauge it with you in terms of preferences there because whenever I do insurance reviews, we can basically compare all the insurers in the market, see who's coming out the best.","start":1585.295,"end":1595.74,"sentiment":"neutral","sentiment_score":0.17990138871329173},{"text":"Sixty days, is that too short, too long?","start":1596.12,"end":1599.24,"sentiment":"neutral","sentiment_score":-0.16268903738819063},{"text":"Can you last two months before getting income payments just based on your savings at the moment, or what would be your preference, sir?","start":1599.24,"end":1607.1649,"sentiment":"neutral","sentiment_score":-0.05460829877605041},{"text":"Yep.","start":1611.1449,"end":1611.465,"sentiment":"neutral","sentiment_score":-0.03555133193731308}],"sentiment":"neutral","sentiment_score":0.05875401552766561,"num_words":90,"start":1575.135,"end":1611.465},{"sentences":[{"text":"And you don't have heaps of leaves built up or anything?","start":1611.465,"end":1613.965,"sentiment":"neutral","sentiment_score":-0.11874012784524397},{"text":"Perfect.","start":1626.36,"end":1626.76,"sentiment":"neutral","sentiment_score":0.319221556186676},{"text":"So what that kind of cuts out as an option is, let's say, we extended your waiting period from sixty days all the way up to ninety days, so you had to wait three months to get payments.","start":1626.76,"end":1635.955,"sentiment":"neutral","sentiment_score":0.08081008268422202},{"text":"That makes it a lot more affordable, but then you've gotta be able to handle yourself for three months without that additional income coming through.","start":1636.2549,"end":1643.67,"sentiment":"neutral","sentiment_score":0.0064058157801628116},{"text":"So that to me just says that's off the table straight away, whereas we've gotta find other ways to kind of reduce the cost a little bit.","start":1643.91,"end":1650.49,"sentiment":"neutral","sentiment_score":-0.1995325794926396}],"sentiment":"neutral","sentiment_score":-0.030817362352036963,"num_words":102,"start":1611.465,"end":1650.49},{"sentences":[{"text":"Now do you want me to look at a bit of a quote for maybe a thirty day wait, which is pretty standard, or do you want me to keep it towards the 60?","start":1651.91,"end":1660.095,"sentiment":"neutral","sentiment_score":0.03032816026140662},{"text":"Okay.","start":1660.095,"end":1660.595,"sentiment":"neutral","sentiment_score":0.020106934010982513},{"text":"Yeah.","start":1667.855,"end":1668.355,"sentiment":"neutral","sentiment_score":0.011287342756986618},{"text":"Yeah.","start":1675.7001,"end":1676.2001,"sentiment":"neutral","sentiment_score":-0.11249306797981262},{"text":"And that's one of the things too is whenever you, I guess, reduce the benefit, it's very easy to reduce cover, cancel cover, extend out waiting periods.","start":1677.06,"end":1687.54,"sentiment":"neutral","sentiment_score":-0.09290565136406156}],"sentiment":"neutral","sentiment_score":-0.024349905143026263,"num_words":64,"start":1651.91,"end":1687.54},{"sentences":[{"text":"It's really just a letter to the insurer, and then that can be applied pretty well straight away.","start":1687.54,"end":1692.295,"sentiment":"positive","sentiment_score":0.3657855267326037},{"text":"Anytime you increase something, then you've gotta go through applications, medical underwriting, and so forth.","start":1692.3551,"end":1698.8551,"sentiment":"neutral","sentiment_score":0.164910093943278},{"text":"And it's much easier to drop it down than just consistently increasing it, if that makes sense.","start":1699.155,"end":1705.54,"sentiment":"neutral","sentiment_score":0.2503305927795522},{"text":"So I'll do the quotes for thirty days and sixty days just to see what it looks like.","start":1705.54,"end":1710.12,"sentiment":"positive","sentiment_score":0.3863452507389916},{"text":"And if I can get you, like, an affordable thirty days, we'll go for that as well.","start":1710.18,"end":1715.2201,"sentiment":"positive","sentiment_score":0.5333366253796745}],"sentiment":"positive","sentiment_score":0.3451099777922911,"num_words":85,"start":1687.54,"end":1715.2201},{"sentences":[{"text":"That way, even if it's just for a year or so, that'll get you through.","start":1715.2201,"end":1718.815,"sentiment":"positive","sentiment_score":0.4374405960241953},{"text":"And then once you've got that savings built, we can extend it to sixty.","start":1718.815,"end":1722.1749,"sentiment":"positive","sentiment_score":0.4026294137750353},{"text":"But then I'm also mindful of things like if you've spent it as a house deposit, if you consistently don't have that emergency fund available, you may need to keep it going for a little while.","start":1722.1749,"end":1731.93,"sentiment":"neutral","sentiment_score":0.10583946207124326},{"text":"K?","start":1733.8501,"end":1734.3501,"sentiment":"neutral","sentiment_score":0.014476524665951729},{"text":"When it comes to benefit period, so what I'm sort of thinking here is you've got two years as a benefit period.","start":1734.81,"end":1741.55,"sentiment":"neutral","sentiment_score":0.003816005096516826}],"sentiment":"neutral","sentiment_score":0.1830348864155398,"num_words":88,"start":1715.2201,"end":1741.55},{"sentences":[{"text":"That's, I guess, the the minimum.","start":1741.6901,"end":1743.79,"sentiment":"neutral","sentiment_score":-0.014179412585993608},{"text":"It goes two years, five years, all the way up to the age of 65.","start":1744.17,"end":1748.645,"sentiment":"neutral","sentiment_score":-0.04133369947473208},{"text":"That's usually pretty incumbent on what you do for your duties.","start":1749.505,"end":1753.445,"sentiment":"neutral","sentiment_score":-0.057949737730351364},{"text":"Can I just ask in Queensland Health, are you just fully office based?","start":1753.985,"end":1757.345,"sentiment":"neutral","sentiment_score":-0.019993325122273885},{"text":"Are you doing nursing?","start":1757.345,"end":1758.405,"sentiment":"neutral","sentiment_score":-0.046863862313330173}],"sentiment":"neutral","sentiment_score":-0.03652852568395284,"num_words":49,"start":1741.6901,"end":1758.405},{"sentences":[{"text":"What what's your role?","start":1758.465,"end":1759.8,"sentiment":"neutral","sentiment_score":-0.05213788989931345},{"text":"Okay.","start":1772.3601,"end":1772.8601,"sentiment":"neutral","sentiment_score":-0.2179942727088928},{"text":"Oh, joy.","start":1779.835,"end":1780.575,"sentiment":"neutral","sentiment_score":0.00784960575401783},{"text":"Okay.","start":1780.635,"end":1781.135,"sentiment":"neutral","sentiment_score":-0.01854180172085762},{"text":"So what would your what would your title be?","start":1781.4349,"end":1784.1549,"sentiment":"neutral","sentiment_score":-0.025240682686368626}],"sentiment":"neutral","sentiment_score":-0.03862085686448742,"num_words":17,"start":1758.465,"end":1784.1549},{"sentences":[{"text":"Sorry.","start":1784.1549,"end":1784.6549,"sentiment":"neutral","sentiment_score":-0.0955834686756134},{"text":"Advanced peer worker, was it?","start":1788.75,"end":1794.29,"sentiment":"neutral","sentiment_score":-0.047043778374791144},{"text":"Ensure support work and allied health.","start":1795.95,"end":1798.85,"sentiment":"neutral","sentiment_score":-0.006544480100274086},{"text":"Less to do with the nursing side.","start":1799.15,"end":1800.75,"sentiment":"neutral","sentiment_score":-0.08541664906910487},{"text":"Is there any, like, qualifications that go along with that in terms of degrees and diplomas that relate?","start":1800.75,"end":1805.955,"sentiment":"neutral","sentiment_score":0.009080175827774737}],"sentiment":"neutral","sentiment_score":-0.02174439512797304,"num_words":37,"start":1784.1549,"end":1805.955},{"sentences":[{"text":"Yep.","start":1813.615,"end":1814.095,"sentiment":"neutral","sentiment_score":0.06389550864696503},{"text":"Okay.","start":1814.095,"end":1814.495,"sentiment":"neutral","sentiment_score":0.04151768237352371},{"text":"And is a bachelor in, like, nursing or or support?","start":1814.495,"end":1817.92,"sentiment":"neutral","sentiment_score":0.023425552900880574},{"text":"Occupational therapy.","start":1820.86,"end":1822.14,"sentiment":"neutral","sentiment_score":0.20297939330339432},{"text":"Fantastic.","start":1822.14,"end":1822.64,"sentiment":"positive","sentiment_score":0.822365939617157}],"sentiment":"neutral","sentiment_score":0.10453289641688267,"num_words":15,"start":1813.615,"end":1822.64},{"sentences":[{"text":"Is that a long term goal to start one of those occupational therapy businesses through NDIS or something?","start":1822.78,"end":1830.0751,"sentiment":"positive","sentiment_score":0.44715022916595143},{"text":"Or Fantastic.","start":1830.0751,"end":1858.8451,"sentiment":"positive","sentiment_score":0.40691549330949783},{"text":"So you've got a full career trajectory for the next few years and a lot to work on in terms of the studying and work placements and role changes and employer changes.","start":1859.0651,"end":1868.045,"sentiment":"positive","sentiment_score":0.4412727174931206},{"text":"You definitely have a lot going on.","start":1868.4,"end":1869.8401,"sentiment":"neutral","sentiment_score":0.030845502923641886},{"text":"That's for sure.","start":1869.8401,"end":1872.9,"sentiment":"neutral","sentiment_score":0.02996768926580747}],"sentiment":"positive","sentiment_score":0.37563038160724027,"num_words":62,"start":1822.78,"end":1872.9},{"sentences":[{"text":"So what I'll do, I'm just noting down a few things there.","start":1873.12,"end":1875.6,"sentiment":"neutral","sentiment_score":0.041349564834187426},{"text":"Queensland Health is the employer.","start":1875.6,"end":1877.38,"sentiment":"neutral","sentiment_score":0.0007931571453809738},{"text":"And, again, you're right.","start":1878.48,"end":1879.28,"sentiment":"neutral","sentiment_score":-0.037734289187937975},{"text":"The acute mental health board, that puts you in a a decently risky kind of category.","start":1879.28,"end":1883.14,"sentiment":"neutral","sentiment_score":-0.2128222081810236},{"text":"So we may need to just do some basic adjustments there.","start":1884.995,"end":1888.195,"sentiment":"neutral","sentiment_score":-0.027892717922275715}],"sentiment":"neutral","sentiment_score":-0.07005732960533351,"num_words":48,"start":1873.12,"end":1888.195},{"sentences":[{"text":"And one of the things too is when you go through the advice process, so we need to make sure that we note down your goals and see if we can leave you in a better position towards meeting those goals.","start":1888.195,"end":1899.51,"sentiment":"neutral","sentiment_score":0.11320505963592994},{"text":"If I can't actually get you anything better than what you have, I'll basically just give you some general advice and say, look.","start":1899.89,"end":1906.05,"sentiment":"neutral","sentiment_score":0.03995911987579387},{"text":"I couldn't find a better strategy or a better product, but what you can do is x, y, and zed, and then it'll pretty much be, I guess, complimentary at that point.","start":1906.05,"end":1914.775,"sentiment":"neutral","sentiment_score":0.14454537665005773},{"text":"Now if we do find a more suitable policy, we do actually get paid through, like, a commission structure where all the insurers pay the first year's premiums, 66 percent to advisers, and that kind of funds insurance advice.","start":1916.3551,"end":1930.1799,"sentiment":"neutral","sentiment_score":0.09985568660956162},{"text":"If you would like us to give, for example, superannuation advice, we can also give advice towards what to invest in, and that's charged as a separate percentage based fee to implement the advice if that makes sense.","start":1932.08,"end":1944.785,"sentiment":"neutral","sentiment_score":0.08986012343513339}],"sentiment":"neutral","sentiment_score":0.10112702730246362,"num_words":173,"start":1888.195,"end":1944.785},{"sentences":[{"text":"K?","start":1946.765,"end":1947.265,"sentiment":"neutral","sentiment_score":0.04244818538427353},{"text":"At this point, I'm really just gonna do the insurance review for the time being.","start":1947.725,"end":1951.345,"sentiment":"neutral","sentiment_score":0.05139254555106163},{"text":"Do you want me to look at the investments as well and kind of tie them both in together?","start":1951.565,"end":1956.06,"sentiment":"neutral","sentiment_score":0.04041832479599275},{"text":"What's your preference?","start":1956.4401,"end":1957.42,"sentiment":"neutral","sentiment_score":0.03830456485350927},{"text":"Oh, fantastic.","start":1966.92,"end":1968.22,"sentiment":"positive","sentiment_score":0.6285486817359924}],"sentiment":"neutral","sentiment_score":0.07383238994516432,"num_words":40,"start":1946.765,"end":1968.22},{"sentences":[{"text":"Brilliant.","start":1977.615,"end":1978.115,"sentiment":"positive","sentiment_score":0.7826259136199951},{"text":"And if you don't mind me asking, Angela, what actually made you jump in and do that?","start":1979.535,"end":1982.655,"sentiment":"neutral","sentiment_score":0.045729105086887586},{"text":"Did you just one day say, I'm gonna look at my finances and how to play around with this?","start":1982.655,"end":1986.94,"sentiment":"neutral","sentiment_score":0.017397983391818247},{"text":"Or Cool.","start":1988.7599,"end":2013.21,"sentiment":"neutral","sentiment_score":0.0977958058938384},{"text":"Okay.","start":2026.965,"end":2027.465,"sentiment":"neutral","sentiment_score":-0.037931278347969055}],"sentiment":"neutral","sentiment_score":0.05120606794953346,"num_words":40,"start":1977.615,"end":2027.465},{"sentences":[{"text":"So that's really fascinating.","start":2032.405,"end":2033.9299,"sentiment":"positive","sentiment_score":0.3353671133518219},{"text":"Yeah.","start":2037.83,"end":2038.1499,"sentiment":"neutral","sentiment_score":0.09357092529535294},{"text":"So get the house first, get established, and then once you've got a bit more spare cash flow and capital behind you, go into some personal investing.","start":2038.1499,"end":2045.61,"sentiment":"neutral","sentiment_score":0.053031285672828006},{"text":"And, again, preference is to stay away from the properties.","start":2045.875,"end":2048.535,"sentiment":"neutral","sentiment_score":-0.17256425693631172},{"text":"And that's awesome.","start":2050.675,"end":2051.395,"sentiment":"positive","sentiment_score":0.46050407489140827}],"sentiment":"neutral","sentiment_score":0.056061194381780095,"num_words":45,"start":2032.405,"end":2051.395},{"sentences":[{"text":"I'm seeing that a lot more with our generation, of course, is property is pretty easy to roll into.","start":2051.395,"end":2056.855,"sentiment":"positive","sentiment_score":0.40925695080506175},{"text":"You pay down a mortgage, you borrow off of it and get the next property and so forth.","start":2056.915,"end":2060.76,"sentiment":"neutral","sentiment_score":0.19462741994195515},{"text":"But I'm seeing a lot of people going into shares, crypto, ETFs, and also seeing just a lot less headaches that way as well.","start":2060.84,"end":2068.14,"sentiment":"neutral","sentiment_score":0.21220760078479847},{"text":"And to be honest, take it from someone who invests in a little bit of everything, it is quite it's quite a lot.","start":2076.395,"end":2081.835,"sentiment":"neutral","sentiment_score":0.0946410928407441},{"text":"And if you don't have the the time to deal with it, sometimes it's easy to have something just build up in the background.","start":2081.835,"end":2087.055,"sentiment":"neutral","sentiment_score":-0.036660018435213715}],"sentiment":"neutral","sentiment_score":0.1636024327405418,"num_words":108,"start":2051.395,"end":2087.055},{"sentences":[{"text":"Perfect.","start":2100.97,"end":2101.37,"sentiment":"positive","sentiment_score":0.5620421767234802},{"text":"And that's one thing that I'll kind of give you as a bit of a tip too is superannuation is essentially just a bit of a tax haven bubble around investment platforms.","start":2101.37,"end":2110.805,"sentiment":"neutral","sentiment_score":0.08729315176606178},{"text":"And you can do a very similar, if not identical thing, personally, when the time comes to invest in almost the same stuff that your super does.","start":2111.105,"end":2119.08,"sentiment":"neutral","sentiment_score":0.0917893105910884},{"text":"And then, again, you can change it between, you know, your aggressive high growth.","start":2120.6802,"end":2124.3801,"sentiment":"neutral","sentiment_score":0.29499507376125883},{"text":"You can keep it a bit more balanced if you wanna access the funds a little bit earlier, and you get access to all of those different options and shares and manage funds and things like that.","start":2124.4402,"end":2133.9949,"sentiment":"neutral","sentiment_score":0.287875435642294}],"sentiment":"neutral","sentiment_score":0.18572123036594004,"num_words":111,"start":2100.97,"end":2133.9949},{"sentences":[{"text":"Yeah.","start":2151.83,"end":2152.07,"sentiment":"neutral","sentiment_score":0.2965247333049774},{"text":"Perfect.","start":2152.07,"end":2152.3901,"sentiment":"positive","sentiment_score":0.5565439462661743},{"text":"So we'll start off with getting a handle on the budgeting for the first twelve months, moving into either rental or purchasing a property over that sort of zero to three years.","start":2152.3901,"end":2161.115,"sentiment":"neutral","sentiment_score":0.22750143287703395},{"text":"And then once you're all established and some equity is built up and you've got some savings behind you, then branch into some investing.","start":2161.115,"end":2167.77,"sentiment":"neutral","sentiment_score":0.1628650799393654},{"text":"Brilliant.","start":2171.37,"end":2171.77,"sentiment":"positive","sentiment_score":0.6739766597747803}],"sentiment":"neutral","sentiment_score":0.21552293406704726,"num_words":59,"start":2151.83,"end":2171.77},{"sentences":[{"text":"I love it.","start":2171.77,"end":2172.17,"sentiment":"positive","sentiment_score":0.6960869828859965},{"text":"It's our generation seems to be the most, I guess, engaged with their finances as opposed I don't know if your parents were the same way, but they kind of went paycheck to paycheck until they hit fifty, sixty and went, oh, haven't really got much to show for it.","start":2172.17,"end":2185.9248,"sentiment":"neutral","sentiment_score":0.025769082978367806},{"text":"And then we're trying to avoid falling into the same traps.","start":2185.9248,"end":2190.265,"sentiment":"neutral","sentiment_score":-0.15464413470842622},{"text":"Yeah.","start":2199.78,"end":2200.26,"sentiment":"neutral","sentiment_score":-0.010659471154212952},{"text":"And look, it don't beat beat yourself up because it does take a lot of time to build those habits, and it's never just a linear pathway.","start":2200.26,"end":2207.395,"sentiment":"neutral","sentiment_score":0.02414536213985196}],"sentiment":"neutral","sentiment_score":0.025183640460929146,"num_words":92,"start":2171.77,"end":2207.395},{"sentences":[{"text":"You just consistently go from year one to 10.","start":2207.395,"end":2210.915,"sentiment":"neutral","sentiment_score":0.12508893675274319},{"text":"I'm gonna go from here to there.","start":2210.915,"end":2212.355,"sentiment":"neutral","sentiment_score":0.15547302791050502},{"text":"It's gonna be up, down, around, around, and life tends to throw a few things at you as well.","start":2212.355,"end":2217.015,"sentiment":"neutral","sentiment_score":0.050447046756744385},{"text":"No doubt you've probably seen.","start":2217.36,"end":2218.9001,"sentiment":"neutral","sentiment_score":0.03767587319016456},{"text":"Now just while I'm looking at it as well, so just to kind of cap off the the superannuation side of it, if you've already got your q super in the high growth investment, it's consistently doing just above that 10% mark.","start":2221.36,"end":2235.605,"sentiment":"neutral","sentiment_score":0.1374911100027107}],"sentiment":"neutral","sentiment_score":0.11140989634867121,"num_words":82,"start":2207.395,"end":2235.605},{"sentences":[{"text":"So that's kind of what you're aiming for when you're looking for high growth or above is consistent double digit.","start":2235.905,"end":2242.5,"sentiment":"neutral","sentiment_score":0.2993517704308033},{"text":"Now, yes, you can get twelve, thirteen, 14% throughout the industry.","start":2242.82,"end":2246.74,"sentiment":"neutral","sentiment_score":0.30173785307190637},{"text":"It's available.","start":2246.74,"end":2247.48,"sentiment":"neutral","sentiment_score":0.21651798486709595},{"text":"But as long as you're hitting that nine to 10, you're pretty well on track in combination with your extra contribution.","start":2247.7,"end":2253.32,"sentiment":"positive","sentiment_score":0.4394769001574743},{"text":"So that's going to really get you there very quickly.","start":2253.46,"end":2256.44,"sentiment":"positive","sentiment_score":0.5761955559253693}],"sentiment":"positive","sentiment_score":0.3864087222609669,"num_words":64,"start":2235.905,"end":2256.44},{"sentences":[{"text":"So I pretty much wouldn't change anything there if that makes sense.","start":2258.5552,"end":2261.935,"sentiment":"neutral","sentiment_score":0.15803555957973003},{"text":"Beautiful.","start":2264.235,"end":2264.735,"sentiment":"positive","sentiment_score":0.6080952882766724},{"text":"The last one I wanted to just ask you, so when it comes to, like, the life and disability insurance, I'm trying to gauge whether you do have, when it said four units of 500,000, it's telling me you've got $2,000,000 worth of cover.","start":2265.355,"end":2277.11,"sentiment":"neutral","sentiment_score":0.08769771860997108},{"text":"Now that might be why you're paying $3 a year because that TBD for a couple million dollars may be $30 a week.","start":2279.17,"end":2285.985,"sentiment":"neutral","sentiment_score":-0.030606202700215836},{"text":"If it was $30 a week for 500,000, that would be quite extreme.","start":2286.865,"end":2291.0452,"sentiment":"neutral","sentiment_score":-0.1404281803048574}],"sentiment":"neutral","sentiment_score":0.04122271630111882,"num_words":93,"start":2258.5552,"end":2291.0452},{"sentences":[{"text":"But then again, with your occupation rating, that might be the reasoning too.","start":2291.425,"end":2295.365,"sentiment":"neutral","sentiment_score":0.001936964475764678},{"text":"So I will just kind of double check the amounts there.","start":2295.5051,"end":2298.865,"sentiment":"neutral","sentiment_score":0.09159612316976894},{"text":"If you can send through a statement, that would be fantastic.","start":2298.865,"end":2301.2852,"sentiment":"neutral","sentiment_score":0.2906142689964988},{"text":"Now when it comes to the amount that you actually need, though so you don't have the house yet.","start":2303.83,"end":2308.81,"sentiment":"neutral","sentiment_score":-0.013111253219999765},{"text":"Do you know kind of the purchase price of the ones that you would like to get in to?","start":2311.67,"end":2321.535,"sentiment":"neutral","sentiment_score":-0.029942726618365237}],"sentiment":"neutral","sentiment_score":0.046732455275136316,"num_words":73,"start":2291.425,"end":2321.535},{"sentences":[{"text":"Yep.","start":2341.5,"end":2342.0,"sentiment":"neutral","sentiment_score":0.3116203248500824},{"text":"Yep.","start":2342.46,"end":2342.805,"sentiment":"neutral","sentiment_score":0.08872803300619125},{"text":"That's kind of what I was gonna say because I went through with a lot of staff members and even myself personally, everyone getting their first homes over the last five to six years.","start":2358.82,"end":2367.8801,"sentiment":"neutral","sentiment_score":-0.10414314259062796},{"text":"And when I first started, we were looking in Pimpama and Coomera.","start":2368.1,"end":2372.765,"sentiment":"neutral","sentiment_score":0.04385222587734461},{"text":"And Probably, it was.","start":2373.305,"end":2374.945,"sentiment":"neutral","sentiment_score":0.03960122214630246}],"sentiment":"neutral","sentiment_score":-0.04722859405984099,"num_words":52,"start":2341.5,"end":2374.945},{"sentences":[{"text":"350, 400,000.","start":2375.225,"end":2376.905,"sentiment":"neutral","sentiment_score":0.049454065039753914},{"text":"And now, like you're saying, there's $7,800,000 very quickly, and it'll it will need somewhat of a deposit to do it.","start":2376.905,"end":2384.105,"sentiment":"neutral","sentiment_score":0.03178767380969865},{"text":"I know there are a lot of first home assistance and grants and things like that, so Brooke will be the best person there.","start":2384.105,"end":2391.0898,"sentiment":"neutral","sentiment_score":0.05358421445513765},{"text":"But if hopefully, if you can get it within, say, twenty four to thirty six months, definitely seems achievable.","start":2391.23,"end":2397.89,"sentiment":"neutral","sentiment_score":0.20598704995293365},{"text":"But, again, on the one income, a little bit rough, but two bedroom to start with sounds pretty good to me.","start":2397.95,"end":2411.695,"sentiment":"neutral","sentiment_score":0.2293540265943323}],"sentiment":"neutral","sentiment_score":0.12393860844360001,"num_words":87,"start":2375.225,"end":2411.695},{"sentences":[{"text":"Yeah.","start":2412.155,"end":2412.395,"sentiment":"neutral","sentiment_score":0.11422313749790192},{"text":"And it's one of those things too.","start":2412.395,"end":2414.015,"sentiment":"neutral","sentiment_score":0.13913654748882567},{"text":"Some people that I know have started with, like, a townhouse, and then just after a couple of years, it's gone up in value, and they've been able to borrow into a larger home and possibly have the you know, rent out the current one or sell it off, whatever your preference is, and just take a couple of steps on the ladder to get to that actual decent home.","start":2414.36,"end":2435.465,"sentiment":"neutral","sentiment_score":0.20086501283305033},{"text":"If it's any consolation, I actually quit searching in Pimpama and moved up more towards Logan for the first house, and that that trimmed a couple 100,000 off, but it wasn't fun living there for a few years.","start":2437.5251,"end":2450.4702,"sentiment":"neutral","sentiment_score":-0.06107289236234991},{"text":"And Yeah.","start":2450.77,"end":2462.785,"sentiment":"neutral","sentiment_score":-0.11274987459182739}],"sentiment":"neutral","sentiment_score":0.10680051024813773,"num_words":118,"start":2412.155,"end":2462.785},{"sentences":[{"text":"And no one wants to sit on the m one for an hour to an hour and a half every morning just to get to work.","start":2462.785,"end":2468.005,"sentiment":"neutral","sentiment_score":-0.16609200792243847},{"text":"Perfect.","start":2469.985,"end":2470.385,"sentiment":"positive","sentiment_score":0.5561587810516357},{"text":"Perfect.","start":2470.385,"end":2470.885,"sentiment":"positive","sentiment_score":0.5097208619117737},{"text":"One last one I was gonna ask you, Angela, is just to do with the estate side of things and the cover that you don't have.","start":2471.45,"end":2478.2698,"sentiment":"neutral","sentiment_score":0.10983815051328677},{"text":"So whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection.","start":2478.3298,"end":2485.4448,"sentiment":"neutral","sentiment_score":0.017795470984358536}],"sentiment":"neutral","sentiment_score":-0.0008028315201605836,"num_words":73,"start":2462.785,"end":2485.4448},{"sentences":[{"text":"But there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or additional insurances out of pocket.","start":2485.6648,"end":2507.89,"sentiment":"neutral","sentiment_score":-0.036575577836331044},{"text":"No.","start":2510.51,"end":2510.91,"sentiment":"neutral","sentiment_score":-0.11052180826663972},{"text":"That's totally fair.","start":2510.91,"end":2511.6548,"sentiment":"neutral","sentiment_score":0.004385727147261302},{"text":"I just have to bring it up as an option because there are four cover types.","start":2511.6548,"end":2515.6748,"sentiment":"neutral","sentiment_score":0.006269423523917794},{"text":"It's just that's the one that probably suits you the least at the moment.","start":2515.815,"end":2518.795,"sentiment":"neutral","sentiment_score":-0.11551770993641444}],"sentiment":"neutral","sentiment_score":-0.04047802144808597,"num_words":95,"start":2485.6648,"end":2518.795},{"sentences":[{"text":"Then with the estate planning side of things, so you do have the two children.","start":2521.575,"end":2525.4348,"sentiment":"neutral","sentiment_score":0.06605424707134565},{"text":"Have you got your beneficiaries organized through the super?","start":2526.5498,"end":2530.73,"sentiment":"neutral","sentiment_score":0.060703713446855545},{"text":"Because that links to the life insurance.","start":2530.79,"end":2532.5698,"sentiment":"neutral","sentiment_score":0.021243051226649965},{"text":"Yeah.","start":2537.43,"end":2537.685,"sentiment":"neutral","sentiment_score":0.0594269186258316},{"text":"Yep.","start":2544.165,"end":2544.665,"sentiment":"neutral","sentiment_score":0.19629332423210144}],"sentiment":"neutral","sentiment_score":0.058835416016253556,"num_words":33,"start":2521.575,"end":2544.665},{"sentences":[{"text":"Yeah.","start":2554.02,"end":2554.52,"sentiment":"neutral","sentiment_score":0.17002281546592712},{"text":"Because as a guardian, he would receive the funds anyway or be in control of the funds if even if you left them to the children as well.","start":2558.18,"end":2565.615,"sentiment":"neutral","sentiment_score":0.18045788098658835},{"text":"So that makes sense.","start":2565.615,"end":2566.675,"sentiment":"positive","sentiment_score":0.34727342426776886},{"text":"Okay.","start":2574.0952,"end":2574.5952,"sentiment":"positive","sentiment_score":0.7158187627792358},{"text":"Alright.","start":2576.99,"end":2577.39,"sentiment":"positive","sentiment_score":0.3800317645072937}],"sentiment":"neutral","sentiment_score":0.22022250592708587,"num_words":35,"start":2554.02,"end":2577.39},{"sentences":[{"text":"The only option I was gonna sort of bring to the table is you can do things like a testamentary trust wills.","start":2577.39,"end":2583.73,"sentiment":"neutral","sentiment_score":0.23852362551472403},{"text":"So if you put in place a will, you can direct your super life insurance in there, and then it creates a trust fund when you pass.","start":2583.95,"end":2590.9949,"sentiment":"neutral","sentiment_score":0.2066639750092118},{"text":"And then you can be a bit more specific in how that's distributed out to the kids, whether it's, you know, an income for them to to live on until they're 18 before they receive a lump sum.","start":2591.135,"end":2600.675,"sentiment":"neutral","sentiment_score":0.20308170369581172},{"text":"So it's a bit more flexible that way.","start":2600.815,"end":2602.895,"sentiment":"neutral","sentiment_score":0.26198745518922806},{"text":"But if you trust him, you know, happy to abide by your wishes.","start":2602.895,"end":2606.64,"sentiment":"positive","sentiment_score":0.46766994778926557}],"sentiment":"neutral","sentiment_score":0.24740889620173862,"num_words":108,"start":2577.39,"end":2606.64},{"sentences":[{"text":"Just wanted to broach that as an option.","start":2606.64,"end":2608.5,"sentiment":"neutral","sentiment_score":0.15095279086381197},{"text":"Yeah.","start":2621.375,"end":2621.875,"sentiment":"neutral","sentiment_score":0.2306590974330902},{"text":"Perfect.","start":2634.2,"end":2634.52,"sentiment":"positive","sentiment_score":0.6923725605010986},{"text":"And there's no other assets to to worry about.","start":2634.52,"end":2636.3599,"sentiment":"neutral","sentiment_score":0.29383834534221226},{"text":"It's just the sort of the super and the savings is the main two at the moment?","start":2636.3599,"end":2639.9,"sentiment":"positive","sentiment_score":0.35981199495932636}],"sentiment":"neutral","sentiment_score":0.30255563908980954,"num_words":36,"start":2606.64,"end":2639.9},{"sentences":[{"text":"Yeah.","start":2651.5251,"end":2651.845,"sentiment":"neutral","sentiment_score":0.03088957816362381},{"text":"Do you mind if I just note down a bit of a an approximate sale value for the car?","start":2651.845,"end":2655.445,"sentiment":"neutral","sentiment_score":-0.005912226673803832},{"text":"I know it is linked to an evaded lease, but do you know the approximate value for it?","start":2655.445,"end":2662.18,"sentiment":"neutral","sentiment_score":-0.03823013852039973},{"text":"Yeah.","start":2662.18,"end":2662.42,"sentiment":"neutral","sentiment_score":-0.06161462515592575},{"text":"That's okay.","start":2662.42,"end":2663.16,"sentiment":"neutral","sentiment_score":-0.11935413628816603}],"sentiment":"neutral","sentiment_score":-0.026095319993612243,"num_words":41,"start":2651.5251,"end":2663.16},{"sentences":[{"text":"Yep.","start":2673.7952,"end":2674.2952,"sentiment":"neutral","sentiment_score":0.1658758968114853},{"text":"That's easy enough.","start":2674.595,"end":2675.735,"sentiment":"neutral","sentiment_score":0.3279151916503906},{"text":"Again, we don't need to factor in selling your car to your financial plan, but it just counts as an asset.","start":2675.955,"end":2681.095,"sentiment":"neutral","sentiment_score":0.07915807231551125},{"text":"No other shares or crypto or anything floating around?","start":2683.475,"end":2686.08,"sentiment":"neutral","sentiment_score":-0.03818914542595545},{"text":"Totally fair.","start":2689.26,"end":2690.32,"sentiment":"neutral","sentiment_score":-0.07706673443317413}],"sentiment":"neutral","sentiment_score":0.06428070035245684,"num_words":36,"start":2673.7952,"end":2690.32},{"sentences":[{"text":"And so at the moment, what I wanted to ask you as well is just on your documentation through QSuper.","start":2690.78,"end":2696.78,"sentiment":"neutral","sentiment_score":-0.018402319634333253},{"text":"So you've gone through a separation.","start":2696.78,"end":2698.16,"sentiment":"neutral","sentiment_score":-0.029364001626769703},{"text":"I did notice your name came through as Boyle, but your email's under Watson.","start":2698.745,"end":2703.085,"sentiment":"neutral","sentiment_score":-0.021184208004602363},{"text":"I was just double checking.","start":2703.305,"end":2704.685,"sentiment":"neutral","sentiment_score":-0.008388864248991013},{"text":"Yep.","start":2707.5452,"end":2708.0452,"sentiment":"neutral","sentiment_score":0.01574116386473179}],"sentiment":"neutral","sentiment_score":-0.018848097215042166,"num_words":46,"start":2690.78,"end":2708.0452},{"sentences":[{"text":"Perfect.","start":2717.03,"end":2717.51,"sentiment":"neutral","sentiment_score":0.27972090244293213},{"text":"So your ID would be under Watson, though.","start":2717.51,"end":2719.69,"sentiment":"neutral","sentiment_score":0.0663956911303103},{"text":"K.","start":2721.75,"end":2722.0698,"sentiment":"neutral","sentiment_score":0.024487879127264023},{"text":"And what is your super reflect?","start":2722.0698,"end":2723.99,"sentiment":"neutral","sentiment_score":0.025914795386294525},{"text":"Is that under Watson as well?","start":2723.99,"end":2725.8499,"sentiment":"neutral","sentiment_score":0.02073396680255731}],"sentiment":"neutral","sentiment_score":0.05069394926117225,"num_words":22,"start":2717.03,"end":2725.8499},{"sentences":[{"text":"Yep.","start":2735.405,"end":2735.905,"sentiment":"neutral","sentiment_score":0.10584264993667604},{"text":"Perfect.","start":2736.205,"end":2736.705,"sentiment":"neutral","sentiment_score":0.25104695558547974},{"text":"Okay.","start":2738.845,"end":2739.165,"sentiment":"neutral","sentiment_score":-0.006910812109708786},{"text":"And you are going through the process of, I guess, reverting everything back to to boil over time?","start":2739.165,"end":2744.19,"sentiment":"neutral","sentiment_score":-0.04425143791983525},{"text":"Oh, it's probably not the most fun thing to be spending your weekend or weekdays doing when you do get a bit of time with two kids going on.","start":2747.7698,"end":2753.5298,"sentiment":"neutral","sentiment_score":-0.1976594520764875}],"sentiment":"neutral","sentiment_score":-0.1235734239872545,"num_words":50,"start":2735.405,"end":2753.5298},{"sentences":[{"text":"Let me make sure I update.","start":2753.5298,"end":2754.585,"sentiment":"neutral","sentiment_score":-0.020494504210849602},{"text":"Yeah.","start":2762.505,"end":2762.905,"sentiment":"neutral","sentiment_score":-0.06302324682474136},{"text":"No.","start":2762.905,"end":2763.145,"sentiment":"neutral","sentiment_score":-0.09452055394649506},{"text":"Totally fair.","start":2763.145,"end":2764.045,"sentiment":"neutral","sentiment_score":0.016689663752913475},{"text":"And would you who would you put down as kind of, like, an emergency contact or next of kin?","start":2764.665,"end":2768.7449,"sentiment":"neutral","sentiment_score":-0.01285497981466745}],"sentiment":"neutral","sentiment_score":-0.016944003965834092,"num_words":29,"start":2753.5298,"end":2768.7449},{"sentences":[{"text":"Because, obviously, it's you and the kids.","start":2768.7449,"end":2770.32,"sentiment":"neutral","sentiment_score":-0.023457206386540617},{"text":"Would you put your partner down, sibling, parents?","start":2770.8,"end":2774.1802,"sentiment":"neutral","sentiment_score":-0.0029870723374187946},{"text":"Yep.","start":2776.6401,"end":2777.1401,"sentiment":"neutral","sentiment_score":0.009913403540849686},{"text":"Alright.","start":2779.28,"end":2779.78,"sentiment":"neutral","sentiment_score":0.05088003724813461},{"text":"So as we get through towards the end of the process, we may actually put down her details as emergency contact.","start":2779.84,"end":2785.425,"sentiment":"neutral","sentiment_score":0.02994431227090813}],"sentiment":"neutral","sentiment_score":0.01319807829139264,"num_words":38,"start":2768.7449,"end":2785.425},{"sentences":[{"text":"Don't need them at this time.","start":2786.125,"end":2787.7449,"sentiment":"neutral","sentiment_score":-0.28188695510228473},{"text":"Alright.","start":2789.565,"end":2790.065,"sentiment":"neutral","sentiment_score":0.01088432129472494},{"text":"I pretty much just need to go through a couple of quick questions regarding the health side of things, if that's okay.","start":2790.525,"end":2797.4402,"sentiment":"neutral","sentiment_score":-0.050300144336440346},{"text":"Because I've got everything from an occupational side of things.","start":2797.6602,"end":2801.2002,"sentiment":"neutral","sentiment_score":-0.026504542119801043},{"text":"That'll get us our occupation rating.","start":2801.26,"end":2803.28,"sentiment":"neutral","sentiment_score":0.005690829207499822}],"sentiment":"neutral","sentiment_score":-0.06706535623719295,"num_words":45,"start":2786.125,"end":2803.28},{"sentences":[{"text":"In terms of insolvency, I'm assuming because you're working with Brooke that you've never gone through, like, a bankruptcy or debt agreement before.","start":2805.1802,"end":2813.175,"sentiment":"neutral","sentiment_score":-0.06867851235944292},{"text":"No.","start":2827.63,"end":2827.8699,"sentiment":"neutral","sentiment_score":-0.100203275680542},{"text":"That's totally fair.","start":2827.8699,"end":2829.17,"sentiment":"neutral","sentiment_score":-0.042609805862108864},{"text":"Do we have a current will or power of attorney in place?","start":2831.5498,"end":2834.93,"sentiment":"neutral","sentiment_score":-0.03226377675309777},{"text":"Perfect.","start":2837.3098,"end":2837.8098,"sentiment":"neutral","sentiment_score":0.022281179204583168}],"sentiment":"neutral","sentiment_score":-0.054313065484166145,"num_words":40,"start":2805.1802,"end":2837.8098},{"sentences":[{"text":"And smoking status.","start":2839.705,"end":2841.005,"sentiment":"neutral","sentiment_score":-0.09158368408679962},{"text":"Not smoking.","start":2843.145,"end":2843.885,"sentiment":"neutral","sentiment_score":-0.011906925588846207},{"text":"Super smart.","start":2844.185,"end":2845.065,"sentiment":"neutral","sentiment_score":0.26443110406398773},{"text":"Totally fair.","start":2845.065,"end":2845.965,"sentiment":"neutral","sentiment_score":0.24536734819412231},{"text":"Now when you went through all of the applications for Qsuvie, you would have gone through the underwriting process.","start":2846.905,"end":2852.365,"sentiment":"neutral","sentiment_score":-0.026361738968836635}],"sentiment":"neutral","sentiment_score":0.007862820023936885,"num_words":28,"start":2839.705,"end":2852.365},{"sentences":[{"text":"Did they give you any exclusions or loadings that you can recall due to previous health concerns?","start":2852.79,"end":2858.6501,"sentiment":"neutral","sentiment_score":-0.07587875272421275},{"text":"K.","start":2861.51,"end":2861.83,"sentiment":"neutral","sentiment_score":-0.015569357201457024},{"text":"And do you know what year you did the increase through QSuper?","start":2861.83,"end":2865.905,"sentiment":"neutral","sentiment_score":-0.011202609166502953},{"text":"Yep.","start":2873.165,"end":2873.565,"sentiment":"neutral","sentiment_score":0.009927190840244291},{"text":"'20 '22.","start":2873.565,"end":2874.445,"sentiment":"neutral","sentiment_score":-0.0025166820269078016}],"sentiment":"neutral","sentiment_score":-0.04348623141589941,"num_words":33,"start":2852.79,"end":2874.445},{"sentences":[{"text":"Rank COVID time.","start":2874.445,"end":2875.665,"sentiment":"neutral","sentiment_score":-0.011789834747711817},{"text":"Sounds about right.","start":2875.965,"end":2876.94,"sentiment":"neutral","sentiment_score":0.020738475179920595},{"text":"Perfect.","start":2881.5,"end":2881.98,"sentiment":"positive","sentiment_score":0.6680965423583984},{"text":"Okay.","start":2881.98,"end":2882.48,"sentiment":"neutral","sentiment_score":0.3242865204811096},{"text":"Change.","start":2882.94,"end":2883.44,"sentiment":"neutral","sentiment_score":0.2780746519565582}],"sentiment":"neutral","sentiment_score":0.14414484845474362,"num_words":9,"start":2874.445,"end":2883.44},{"sentences":[{"text":"Alright.","start":2885.02,"end":2885.3398,"sentiment":"neutral","sentiment_score":0.11309878528118134},{"text":"So the last couple of questions, probably the most sensitive ones to ask, but I just need to grab a height and weight for BMI calculations, if that's okay.","start":2885.3398,"end":2896.055,"sentiment":"neutral","sentiment_score":0.01825225603734625},{"text":"Yep.","start":2896.115,"end":2896.615,"sentiment":"neutral","sentiment_score":0.07993121445178986},{"text":"Sixty seven, and that's one fifty eight centimeters.","start":2901.235,"end":2903.655,"sentiment":"neutral","sentiment_score":0.05341011332347989},{"text":"Perfect.","start":2905.715,"end":2906.215,"sentiment":"positive","sentiment_score":0.63423752784729}],"sentiment":"neutral","sentiment_score":0.04459659648127854,"num_words":40,"start":2885.02,"end":2906.215},{"sentences":[{"text":"And is there any kind of medications or major diagnosis that you've had pretty much going back as far as you can remember that I need to factor in for I guess what we do is a bit of a field underwriting.","start":2906.355,"end":2918.78,"sentiment":"neutral","sentiment_score":0.0020994639822414945},{"text":"I will call the insurers anonymously and go through any health concerns just to see if they would give you any exclusions or loadings or issues, and that way I can best advise who to go through.","start":2919.16,"end":2930.915,"sentiment":"neutral","sentiment_score":-0.050525091085079556},{"text":"Yep.","start":2938.83,"end":2939.33,"sentiment":"neutral","sentiment_score":-0.05471911281347275},{"text":"2016.","start":2939.6301,"end":2940.43,"sentiment":"neutral","sentiment_score":-0.03139203041791916},{"text":"So I'm assuming it was through, like, GP to start with, a specialist after that, or just through GP?","start":2940.43,"end":2946.525,"sentiment":"neutral","sentiment_score":-0.04333821909600183}],"sentiment":"neutral","sentiment_score":-0.026907881889492273,"num_words":100,"start":2906.355,"end":2946.525},{"sentences":[{"text":"Perfect.","start":2956.525,"end":2957.025,"sentiment":"positive","sentiment_score":0.40132632851600647},{"text":"So 2016 GP psychiatrist, and it's just been medicated the whole way through from, I guess, 2016 till now.","start":2957.085,"end":2964.84,"sentiment":"neutral","sentiment_score":0.11985359184051815},{"text":"And if you don't mind me asking, which medication do they have you on?","start":2966.26,"end":2969.64,"sentiment":"neutral","sentiment_score":-0.004158928591225829},{"text":"Lexapro, citalopram.","start":2973.22,"end":2977.3948,"sentiment":"neutral","sentiment_score":0.01347830519080162},{"text":"Always fun trying to spell these things.","start":2977.3948,"end":2979.4148,"sentiment":"neutral","sentiment_score":0.10897036641836166}],"sentiment":"neutral","sentiment_score":0.07930392438415872,"num_words":43,"start":2956.525,"end":2979.4148},{"sentences":[{"text":"K.","start":2981.7148,"end":2982.2148,"sentiment":"neutral","sentiment_score":0.008513541892170906},{"text":"So you got that.","start":2984.515,"end":2985.575,"sentiment":"neutral","sentiment_score":0.01404994260519743},{"text":"And do you know how many times you would have seen the psychiatrist originally?","start":2986.1948,"end":2990.01,"sentiment":"neutral","sentiment_score":-0.010488750280014105},{"text":"Was it all just in 2016 a few times, or was it over the span of a few years?","start":2990.01,"end":2994.8298,"sentiment":"neutral","sentiment_score":-0.03290548077539394},{"text":"It's really interesting.","start":3001.985,"end":3002.945,"sentiment":"neutral","sentiment_score":-0.04275709887345632}],"sentiment":"neutral","sentiment_score":-0.02038060056000221,"num_words":41,"start":2981.7148,"end":3002.945},{"sentences":[{"text":"So whenever it comes to, like, mental health, the insurance companies are pretty kind of backwards with it, where at the moment there's any kind of, like, you've been diagnosed with this and you're medicated and treated, they basically go, boom, there's an exclusion for mental health.","start":3002.945,"end":3018.4102,"sentiment":"neutral","sentiment_score":-0.11722702778717305},{"text":"Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see.","start":3018.95,"end":3031.635,"sentiment":"neutral","sentiment_score":-0.10703300332857503},{"text":"So they're actually gonna flip that.","start":3031.695,"end":3033.775,"sentiment":"neutral","sentiment_score":-0.0993961828450362},{"text":"But for the time being, it still leads to all of these exclusions.","start":3033.775,"end":3036.675,"sentiment":"neutral","sentiment_score":-0.14944378630473062},{"text":"So I'm just gonna be very wary on, okay.","start":3037.135,"end":3040.255,"sentiment":"neutral","sentiment_score":-0.1884886614150471}],"sentiment":"neutral","sentiment_score":-0.12250813241074751,"num_words":111,"start":3002.945,"end":3040.255},{"sentences":[{"text":"I'm not gonna recommend you switch to another insurer if all of a sudden that leads to you having exclusion that you don't currently have.","start":3040.255,"end":3046.96,"sentiment":"negative","sentiment_score":-0.33915093064308166},{"text":"Yeah.","start":3057.74,"end":3058.125,"sentiment":"neutral","sentiment_score":-0.08031722158193588},{"text":"Exactly right.","start":3060.605,"end":3061.745,"sentiment":"neutral","sentiment_score":-0.07798593491315842},{"text":"Was there anything else that you've been sort of hospitalized for?","start":3063.325,"end":3066.205,"sentiment":"neutral","sentiment_score":-0.0698277631943876},{"text":"Any other diagnoses that I need to sort of run by them?","start":3066.205,"end":3069.425,"sentiment":"neutral","sentiment_score":-0.08369861853619416}],"sentiment":"neutral","sentiment_score":-0.2056382583344684,"num_words":51,"start":3040.255,"end":3069.425},{"sentences":[{"text":"Yeah.","start":3079.0999,"end":3079.3398,"sentiment":"neutral","sentiment_score":0.13845613598823547},{"text":"Right.","start":3079.3398,"end":3079.5798,"sentiment":"neutral","sentiment_score":0.19195397198200223},{"text":"Fantastic.","start":3079.5798,"end":3080.0798,"sentiment":"neutral","sentiment_score":0.3107660412788391},{"text":"You sure I may ask you which surgery was that?","start":3080.7798,"end":3083.3599,"sentiment":"neutral","sentiment_score":0.0716804750263691},{"text":"Gastric sleeve.","start":3085.26,"end":3086.565,"sentiment":"neutral","sentiment_score":0.030276110395789146}],"sentiment":"neutral","sentiment_score":0.0945688746869564,"num_words":15,"start":3079.0999,"end":3086.565},{"sentences":[{"text":"Oh, wow.","start":3087.0251,"end":3087.845,"sentiment":"neutral","sentiment_score":0.14092672243714333},{"text":"Fantastic.","start":3087.905,"end":3088.405,"sentiment":"neutral","sentiment_score":0.2973517179489136},{"text":"Gastric sleeve.","start":3089.825,"end":3090.805,"sentiment":"neutral","sentiment_score":0.14180167764425278},{"text":"And that was just did you pay out of pocket for that one?","start":3090.865,"end":3093.0251,"sentiment":"neutral","sentiment_score":0.036751448964843385},{"text":"Or private health.","start":3093.0251,"end":3097.285,"sentiment":"neutral","sentiment_score":0.023464165007074673}],"sentiment":"neutral","sentiment_score":0.06718904046075684,"num_words":21,"start":3087.0251,"end":3097.285},{"sentences":[{"text":"Fantastic.","start":3097.825,"end":3098.325,"sentiment":"neutral","sentiment_score":0.2953431010246277},{"text":"If you don't mind me asking, they always ask any significant weight loss in the last twelve to twenty four months.","start":3098.6301,"end":3104.01,"sentiment":"neutral","sentiment_score":0.05415814369916916},{"text":"How many kilos were you able to drop since you had it?","start":3104.71,"end":3107.69,"sentiment":"neutral","sentiment_score":0.028307651557649176},{"text":"Four.","start":3107.75,"end":3108.25,"sentiment":"neutral","sentiment_score":0.013929160311818125},{"text":"40.","start":3108.6301,"end":3109.1301,"sentiment":"neutral","sentiment_score":0.03107309713959694}],"sentiment":"neutral","sentiment_score":0.050482172079177365,"num_words":36,"start":3097.825,"end":3109.1301},{"sentences":[{"text":"Oh my god.","start":3110.6301,"end":3111.27,"sentiment":"neutral","sentiment_score":0.27568548917770386},{"text":"That is amazing.","start":3111.27,"end":3112.25,"sentiment":"positive","sentiment_score":0.5710796515146891},{"text":"Congratulations.","start":3112.6301,"end":3113.1301,"sentiment":"positive","sentiment_score":0.6222276091575623},{"text":"That's pretty cool.","start":3115.475,"end":3116.2751,"sentiment":"positive","sentiment_score":0.4341674434641997},{"text":"I had a a friend, really dear friend of mine who he just hit the sort of two hundred kilo mark and he got the sleeve done, and he just couldn't break below a 100.","start":3116.2751,"end":3125.635,"sentiment":"neutral","sentiment_score":0.004940462804266385}],"sentiment":"neutral","sentiment_score":0.10306536799503697,"num_words":45,"start":3110.6301,"end":3125.635},{"sentences":[{"text":"He got himself down to, like, one ten over a few years, but just never got to break the 100, and he always wanted to.","start":3125.635,"end":3131.45,"sentiment":"neutral","sentiment_score":-0.018233780674636366},{"text":"But, again, eighty, ninety kilos was still pretty good and definitely saved his health.","start":3131.45,"end":3135.95,"sentiment":"neutral","sentiment_score":0.3208980661417757},{"text":"Absolutely.","start":3136.41,"end":3136.91,"sentiment":"neutral","sentiment_score":0.25968456268310547},{"text":"Bump it up a little bit.","start":3149.185,"end":3150.545,"sentiment":"neutral","sentiment_score":-0.14703464011351267},{"text":"Yep.","start":3150.545,"end":3151.045,"sentiment":"neutral","sentiment_score":-0.02785848081111908}],"sentiment":"neutral","sentiment_score":0.07204992872999703,"num_words":47,"start":3125.635,"end":3151.045},{"sentences":[{"text":"Yeah.","start":3158.4001,"end":3158.9001,"sentiment":"neutral","sentiment_score":-0.015211299061775208},{"text":"So what I'm sort of leaning towards, Angela, is when we look at the the cover that you've got in QSuper is you have a heap of insurances that you're currently paying for, like, a a decent amount that you're paying for.","start":3159.12,"end":3172.7449,"sentiment":"neutral","sentiment_score":-0.007488545767652492},{"text":"Part of that price is because you've of your occupation, of course, and you don't currently have that large liability.","start":3173.9248,"end":3180.565,"sentiment":"neutral","sentiment_score":-0.07855142746120691},{"text":"You don't have the mortgage yet.","start":3180.565,"end":3181.98,"sentiment":"neutral","sentiment_score":-0.11369001244505246},{"text":"So the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit?","start":3182.3,"end":3195.34,"sentiment":"neutral","sentiment_score":-0.029788260883156288}],"sentiment":"neutral","sentiment_score":-0.03433575091987912,"num_words":116,"start":3158.4001,"end":3195.34},{"sentences":[{"text":"Like, if your super can handle it and it's growing fantastically, Absolutely.","start":3195.34,"end":3211.3152,"sentiment":"neutral","sentiment_score":0.11310401566637059},{"text":"So the really, the the main thing is just trying to maybe jiggle around the income protection a little bit.","start":3211.3152,"end":3216.03,"sentiment":"neutral","sentiment_score":0.04337961860001087},{"text":"And one thing that you can kind of lean towards is once you've got that degree finished and if you do move to being an occupational therapist, you're going to be improving your occupation rating.","start":3216.09,"end":3228.505,"sentiment":"neutral","sentiment_score":0.2662711855024099},{"text":"You'll be degree qualified, still hopefully on six figures, and slightly less risk, I guess they call it.","start":3228.565,"end":3235.4448,"sentiment":"neutral","sentiment_score":0.24382607721620136},{"text":"I mean, it's kind of like going from a five to a four, but still technically less risk.","start":3235.4448,"end":3239.73,"sentiment":"neutral","sentiment_score":0.16156067781978184}],"sentiment":"neutral","sentiment_score":0.1829251810022205,"num_words":103,"start":3195.34,"end":3239.73},{"sentences":[{"text":"So one thing that you should pretty much do is once you do get into that field and you finish your degree is even just call QSuper or whichever insurer you're with and just update your occupation with them.","start":3241.65,"end":3253.01,"sentiment":"neutral","sentiment_score":0.32279307758196807},{"text":"Because if they can give you a better rating, they'll actually just apply it to your policy and drop your premiums down.","start":3253.01,"end":3259.155,"sentiment":"neutral","sentiment_score":0.3130866905505007},{"text":"Cool.","start":3261.775,"end":3262.275,"sentiment":"positive","sentiment_score":0.43398517370224},{"text":"Because at the moment, it seems like you can afford to have that much life and disability.","start":3262.735,"end":3266.675,"sentiment":"positive","sentiment_score":0.3987754022373873},{"text":"The only issue I've got is the income protection's got a sixty day wait, which then you can't really last that long.","start":3267.215,"end":3273.91,"sentiment":"neutral","sentiment_score":-0.07982576905157078}],"sentiment":"neutral","sentiment_score":0.24686967634070334,"num_words":101,"start":3241.65,"end":3273.91},{"sentences":[{"text":"But if you bump it to thirty days now, that's gonna jump the price up as well.","start":3273.91,"end":3277.53,"sentiment":"neutral","sentiment_score":-0.046312224558171106},{"text":"So I'll get a bit of a quote done just to see what it may look like.","start":3279.3499,"end":3282.945,"sentiment":"neutral","sentiment_score":0.12497947540353327},{"text":"And I when I get that statement through from you, I just wanna double check if there's any loadings or anything applied to the policy.","start":3283.825,"end":3290.8052,"sentiment":"neutral","sentiment_score":0.07146439105272293},{"text":"Because if you put that in place back in 2020, 2021, maybe there will be some loading that you can review and get removed to reduce the price as well.","start":3291.0251,"end":3301.52,"sentiment":"neutral","sentiment_score":0.027307232345143952},{"text":"Perfect.","start":3304.06,"end":3304.54,"sentiment":"neutral","sentiment_score":0.2747308015823364}],"sentiment":"neutral","sentiment_score":0.04686556458473205,"num_words":90,"start":3273.91,"end":3304.54},{"sentences":[{"text":"So I have thrown quite a bit of information at you so far.","start":3304.54,"end":3308.235,"sentiment":"neutral","sentiment_score":0.1396650752195945},{"text":"Any burning questions coming up so far for you?","start":3309.435,"end":3312.2551,"sentiment":"neutral","sentiment_score":0.04475151333543989},{"text":"Awesome, Angela.","start":3314.635,"end":3315.5151,"sentiment":"positive","sentiment_score":0.43119508028030396},{"text":"So what I'll basically do from here is I'm gonna get the team to email you through our financial services guide.","start":3315.5151,"end":3321.375,"sentiment":"neutral","sentiment_score":0.14730849542788096},{"text":"If you could just respond with your q super statement so I can double check some of these details.","start":3321.8352,"end":3326.96,"sentiment":"neutral","sentiment_score":0.1223483964016563}],"sentiment":"neutral","sentiment_score":0.13279527646955103,"num_words":64,"start":3304.54,"end":3326.96},{"sentences":[{"text":"I will pretty much do some underwriting research and some quotes for you, and then they'll get you booked back in for a bit of a a follow-up with me.","start":3328.3,"end":3335.34,"sentiment":"neutral","sentiment_score":0.17198455234368643},{"text":"And if there's something we can do, we'll put together a plan.","start":3335.34,"end":3338.665,"sentiment":"neutral","sentiment_score":0.17346889494607845},{"text":"If not, I'll give you a few tips and ideas.","start":3339.045,"end":3341.145,"sentiment":"neutral","sentiment_score":0.14647443927824497},{"text":"Awesome.","start":3343.125,"end":3343.625,"sentiment":"positive","sentiment_score":0.6688409447669983},{"text":"Any last questions for me before I let you go?","start":3343.765,"end":3345.945,"sentiment":"neutral","sentiment_score":0.2796404793858528}],"sentiment":"neutral","sentiment_score":0.19319291176303985,"num_words":63,"start":3328.3,"end":3345.945},{"sentences":[{"text":"Well, Angela, it was lovely meeting you today.","start":3348.805,"end":3351.03,"sentiment":"positive","sentiment_score":0.8004396855831146},{"text":"I've got everything that I need, so I'm gonna go dive into it.","start":3351.03,"end":3354.25,"sentiment":"positive","sentiment_score":0.6193375358214745},{"text":"Are you okay to email back through that statement possibly this week for a bit of a follow-up for the end of ah, beautiful.","start":3354.55,"end":3362.625,"sentiment":"neutral","sentiment_score":0.147570522967726},{"text":"Do you have a pen and paper handy by chance?","start":3364.545,"end":3367.045,"sentiment":"neutral","sentiment_score":0.009185439255088568},{"text":"Cool.","start":3377.025,"end":3377.43,"sentiment":"neutral","sentiment_score":0.1647157520055771}],"sentiment":"neutral","sentiment_score":0.3259494311808209,"num_words":56,"start":3348.805,"end":3377.43},{"sentences":[{"text":"So the best email address is info, so I n f o, and then it's literally @oakviewfinancial.com.au.","start":3377.67,"end":3387.51,"sentiment":"neutral","sentiment_score":0.060886147158110845},{"text":"So I know it's a bit of a long one.","start":3387.51,"end":3389.77,"sentiment":"neutral","sentiment_score":0.016184140369296073},{"text":"Correct.","start":3393.485,"end":3393.885,"sentiment":"neutral","sentiment_score":0.0809851735830307},{"text":"And then the team will send you through our both of our guides, bit of info about us.","start":3393.885,"end":3398.685,"sentiment":"neutral","sentiment_score":0.12433878746297625},{"text":"And what I might do as well is I probably need around about a week to do the research.","start":3398.685,"end":3404.545,"sentiment":"neutral","sentiment_score":0.04511962811413564}],"sentiment":"neutral","sentiment_score":0.06728095673024655,"num_words":65,"start":3377.67,"end":3404.545},{"sentences":[{"text":"Is there sort of best times and days to contact you?","start":3405.085,"end":3409.0698,"sentiment":"neutral","sentiment_score":0.03208348781547763},{"text":"Yep.","start":3413.69,"end":3414.0898,"sentiment":"neutral","sentiment_score":0.03763299807906151},{"text":"So once we get the the statement and do our research, do you want the team to just give you a bit of a text and an email just to organize a time with you?","start":3414.0898,"end":3421.195,"sentiment":"neutral","sentiment_score":0.09029928339379174},{"text":"Fantastic.","start":3423.175,"end":3423.675,"sentiment":"positive","sentiment_score":0.7805846929550171},{"text":"Awesome.","start":3424.215,"end":3424.715,"sentiment":"positive","sentiment_score":0.7414003610610962}],"sentiment":"neutral","sentiment_score":0.1035308436091457,"num_words":49,"start":3405.085,"end":3424.715},{"sentences":[{"text":"Well, thank you so much for your time today.","start":3424.855,"end":3426.615,"sentiment":"positive","sentiment_score":0.7825435400009155},{"text":"I will leave you to it, and we will be in touch next week.","start":3426.615,"end":3429.543,"sentiment":"positive","sentiment_score":0.5429018012114933},{"text":"Thanks, Angela.","start":3431.783,"end":3432.503,"sentiment":"positive","sentiment_score":0.7347991168498993},{"text":"Have a fantastic day.","start":3432.503,"end":3433.803,"sentiment":"positive","sentiment_score":0.7755427807569504}],"sentiment":"positive","sentiment_score":0.6625960839205774,"num_words":29,"start":3424.855,"end":3433.803}]}}]},{"alternatives":[{"transcript":"Hello. Angela speaking. I'm good. Thank you. How are you? Yeah. That's fine. Mhmm. Mhmm. No. No. Mhmm. Okay. Mhmm. But that was just a suggestion from Brooke because I've got quite a few insurances through my super. And since I've recently, like, in the last twelve months separated from my husband, she thinks that it's really valuable to, like, review those and make sure that I'm getting the correct amount of insurance in place with those. No. No. We didn't really have any assets with that between us. Two. Mhmm. Yeah. But one that's five and one that will be seven in the middle of the year. April. April. Mhmm. Mhmm. I'm really wanting to buy a property. I think that, that's probably further away than I would like, but that's one of the goals. And then also just, like, to improve my spending habits, like, I've always, like, I've got a very good income. I just my whole approach to, like, saving and and budgeting and stuff is that I'm really good at working out the logistics of it, but my whole behavior around it is very much, like, treat yourself. Yeah. It's the 02/22/2019 '93. Yep. Yeah. I do salary sacrifice and stuff, which brings my number down on paper, but, ultimately, yeah. No. I work shift work, continue shift work, so it's different all the time. I couldn't tell you the gross off the top of my head, but I bring in around between 2,300 to 3,000 every fortnight after tax. Yep. Yep. I do, but I haven't looked at it in, like, a while. Like, I probably looked at that insurance maybe two years ago. So it probably definitely needs to be updated. But I also was sort of, like, for a while, they're looking at getting a secondary, like, insurance for income protection. I don't know if you can have two policies at the same time, but just, like, outside of my super just in case anything happens, especially now that I'm a single mom. Mhmm. Mhmm. Mhmm. Mhmm. See, I think mine's sitting at 65 at the moment from memory with g c balls. Sixty five percent. Yeah. So I probably definitely need to look at that. Yeah. I can jump on and log in and give that to you while we're on the phone. Mhmm. Yeah. I think I'm in, like, a good position, like, with my income and, like, what I bring in. It's mostly just, like, I I would like to utilize all my funds and stuff a bit and, like, my insurances and things, like, a bit more smarter now that I'm an adult. Yeah. I just keep it all on my phone pretty much. I just keep, like, my fortnightly. So my bills sort of get split into three, and it's like my my bills and direct debits all sort of come out of one account. And then my kid my my share of the kids expenses go into a different account that their dad also contributes to to pay for, like, their after school care fees or insurances and stuff. And then and then my account is split between long term savings, more flexible savings for, like, fun and things like that, and then, like, my my day to day, like, groceries and spending and stuff. I have a long term savings, but I very often dip into that. Mhmm. Yeah. Yeah. I'm, like, putting away, like, a decent chunk every fortnight, but then, like, by the end of the fortnight, I've probably taken a couple 100 out of it. So I'm still getting ahead with savings. Like, I'm still saving. I'm just not as quickly as I could be. I generally if I pull up my thingy here let me go look here. Yeah. So, generally, I'm putting away about a thousand dollars a fortnight into that long term savings, and that's only been over the last little while. But then that also will depend my aim is between 700 and 1,000 a fortnight, and then it just depends on if I've worked overtime or, like, what my, like, actual pay ends up being. Yep. Yep. And then I generally put, like, $300 into my, like, more flexible savings. So that's, like, if I wanna go out and do stuff with the kids or if I need to go, like, shopping money or beauty money or whatever. And then, like, yeah, I've got my grocery money and, like, you know, spending day to day, like, food and whatever. Yeah. Yep. Mhmm. Yeah. I just think that, like, with my fund saving, I like, I don't know if I'm, like, managing that super well because I've got, like, things that I'm, like, I wanna do on the fortnight, but then I've also got fun things that I wanna, like, maybe, like, a holiday or something that I wanna say about within a year. And I'm sort of keeping that all in one account. So then when I'm, like, through the fortnight as I'm going, if I go shopping and I need to buy something or I'm taking it out of that account and then I don't have anything, like, long term saved up. So then if something pops up, I then take it out of my other savings account. So I think I'm maybe like, I know that my spending needs to be refined a little bit, and I'm working on that. I've been tracking my spending every week and then monthly with my, like, banking app, and I keep a I keep a log of it. And I've been doing that for the last maybe two or three months just to see, like, where my money is actually going, where I'm doing the most spending, and then, like, setting goals to try and, like, like, bring that number down a little bit and just be, like, a bit more mindful of it. Yeah. Yep. Yep. And that's exactly what I find is happening. Yep. Yep. Yep. Mhmm. Yep. Yeah. It does. That's exactly what I feel. So I'm like, you know, I'd love to be able to take the the kids on a holiday, and in theory, I have the money to be able to do that. But because every fortnight, it's just sort of, like, being chipped away at on other things, it never builds up to the point where I'm able to, you know, like, dedicate that chunk of money. Mhmm. Yep. Yep. Yeah. So, like, the big one is, like, moving. So I currently live with my parents, and I want to be able to buy. But if that's not, like, something that I'm able to do within the next twelve months, then I will be moving into a rental anyway. So just sort of, like, having some money there as, like, an emergency fund so that, you know, I can move. And and then there's also, like, a little bit of fallback money so that if anything were to happen, like, I would be like, I would have some savings there. So that's what I'm working on is, like, having that emergency savings and then also moving. And then short term, I would love to be able to do, like, one, like, domestic holiday year with the kids. Nothing too crazy, nothing too expensive. And then, yeah, that's just, like like more more regular things. Like, I would like to be able to, you know, do my Botox every six months or and, you know, that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know? Know? Mhmm. K. Yep. Mhmm. Yep. Yep. I've got about $2 in savings at the moment. Yeah. Yeah. That's easy. At the moment, anyway, when I move, it might change. So but for the next six months, that's definitely doable. Mhmm. Yep. Yep. Yeah. I've got a bit of an idea. So I think I can afford up to I mean, ideally, I don't want to pay 700 a week for somewhere, but I could I could get somewhere for about $6.50 to 700 a week rental wise in the area that I want. So I would need, you know, like, a few grand saved up. It's not clear at the moment. Where my mom is is the lease is up for renewal in, you know, May, June. And so it'll just depend on, like, what happens with the rental then, like, with the lease. If they get extended, then great. I'll reevaluate. But if they don't, then, you know, my parents have a plan to move elsewhere, and then I'll, you know, find my own place. So it's sort of I'm aiming I'm planning as if it's you know, I'm going to have to move just because then that motivates me a little bit more. But there's there's no, like, set necessarily, like, set time frame. It's sort of just like, I need to have it saved and ready to go if needed in May this year. Yes. Yeah. Yeah. It does. Mhmm. K. Yeah. I've just logged in here. I don't know how to interpret this stuff. It's, like, death covers down. So it's, like, amount of cover and units and then premium. I don't know. Doesn't actually give me but I'm happy to give you whatever I can read here. Mhmm. So on what I can see here, it's amount of cover is four units at 500,000. And then it just says death cover premiums $4.87 per week. Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I took a significant pay increase. So I went back I made sure I went in and updated all of that then. So quite a while ago. So TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week. Yep. Okay. Mhmm. Yep. Okay. Yeah. So income protection, amount of cover, 12.3 units of 6,150 per month. Benefit period is two years. Waiting period is sixty days, And income protection cover premium is $19.31 a week. Yes. Mhmm. Yep. Yeah. So I work at Queensland Health. So they've got a if I do 5%, they do 12 and a half percent. Yep. Yes. Good question. I I think I just signed the form. But it's been I've worked for Queensland office so long, and I've changed it a couple of times. So I'm I'm not actually confident. I could pull that up for you right now. Mhmm. Mhmm. Yes. I have a feeling I did set it up as salary sacrifice, but when I got my novated lease, I think I maybe changed it. I'm just logging in on here. Alright. It takes, like, eight different authentication pages to log in. Mhmm. Mhmm. Okay. Yeah. And, honestly, it's like I've never really thought about it because I'm like, I don't even see it. I don't even look at I look at my how much super I've got maybe once a year just to be like, oh, yeah. Look at tracking. Otherwise, I don't really, like, look too much into it. I wouldn't know. My super. I have got a 143,792 thousand. Yeah. 143,792. Pretty good. Yeah. Yeah. Mhmm. Yep. Yeah. I kinda wanted to do it that way because I'm I'm like I don't know. I just because I know I'm so shit with savings. I'm like, I just wanted to put myself in a really good position. Like, that's, like, the one thing I could do to make sure that I'm doing something a bit more long term. Yeah. Look. I don't have a particular preference. I would like to retire some not, like, super early, but, like, early enough to be able to enjoy a retirement. But I just wanna be prepared. Like, I've seen both my parents, but my dad had to medically retire quite young. And then my mom is, you know, like, sort of looking down that pathway as well of having to medically retire. So I'm like, I just wanna be prepared for you know, you never know what's gonna happen. And the pension the pension is not great. Yeah. Mhmm. Yeah. Yeah. I've got my pay slip up, and it looks like it's just coming out before tax. Sorry. No. It's coming out after. That's my bad. Yep. I can do that today when I go into work. I thought that I had set it up and I haven't checked it. So mhmm. Yep. Mhmm. Yeah. Correct. Cool. Yes. Mhmm. Mhmm. Mhmm. Going off of my savings at the moment, there's no way that I could last sixty days. That's sort of like the the goal would be yeah. No. Not well, I mean, I've got that, like, little bit sitting there, but if I have to move and something was to happen in the next month or two, then, yeah, definitely not. I wouldn't be I wouldn't be in a good position to be able to wait that long. Yeah. Uh-huh. Yep. Yeah. That would be better. Yeah. So it's 30 for the meantime, and then if it can change, like, in six months to a year's time, then change it, like, as as things improve. I've only really started cracking down on all my financial stuff in the last, like, three months anyway. Okay. Mhmm. Yep. Mhmm. Okay. Yep. Yep. Mhmm. Yep. No. I'm in a I'm in a pretty high, like, high risk category. QSuper have put my occupational rating at high risk because I'm in an acute mental health ward on the on the floor with patients. There's, like, a high risk of occupational violence and harm. I'm an advanced peer worker. Yeah. So it's not quite nursing. It's more like a combination of support work and allied health. Yeah. I've got a set full for the role, but I'm also at university studying a degree studying a bachelor's. It's in occupational therapy. Yeah. So in the yeah. So in the next twelve months, I'm hoping to do half of where I'm at and do a couple of days a week as, like, support work through NDIS just to sort of get some experience and get my foot in the door. And then once I finish my degree, I haven't decided yet if I'll go through NDIS or stay with Queensland Health. But, yeah, the goal is that I'll I'll switch from being a peer worker to an OT. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yep. Okay. Okay. Okay. Okay. Okay. Yeah. Makes sense. I'm pretty happy. My investments at the moment, I've just got everything invested in, like, an aggressive account with QSuper. Like, they're standard. Because I'm, like, I'm young and I've got forever to go when you know? I've I've seen, like, quite good results from that in the last, like, few years that it's been set that way. So I'm pretty happy with that. Yeah. I think from memory, this was a very long time ago, but we had a QSuper, like, rep come around to work when I was working a different role Yeah. And was sort of like, you know, like, these are some things to think about. These are some services we can offer. They offer, like, financial advice through them as well, and it just sort of, like, prompted me to think about it. And then I've just been doing, like, my own sort of research since just, like, listening to podcasts and stuff. I do eventually want to be able to invest and, like, have some savings, like, invest that way because I've never really been interested in, like, investing in property. Like, I would rather have a house and then have, like, an investment portfolio of, like, shares and stocks separately. I've just never really been in a position, like, where I've felt like I could do that yet. So that's definitely, like, one of the goals down the line. That's, like, a five years type looking into. Yep. Yep. Yeah. Yeah. Mhmm. Yes. Mhmm. Yeah. Like, the whole idea of, like, having a portfolio of, like, investment properties does not appeal to me. It just actually makes me feel stressed. Affordable. Yeah. Yeah. I just wanna, like, forget about it and have it that's why I like what my suit is doing because I'm like, I don't I just set it as high growth, and I don't think about it until tax time where I go check, make sure that I'm still just increasing the amount, and I move on with my day. And that's just new one. Mhmm. Mhmm. Yep. Mhmm. Yeah. So I guess you could say that my, like, personal got my rank my financial goals for the next twelve months is about, like, financial stability and just, like, putting down those foundations. And then from there, it will be more about, like, thinking a bit more, like, long term savings and investing. Yep. Yeah. No. Yeah. Yeah. Yeah. I've got all the right motivation and all the right knowledge. It's just a matter of, like, actually acting on that and sticking with it is the difficulty. Yeah. Mhmm. Mhmm. Yep. Yep. Yep. Cool. Yeah. No. I'm happy with it too. Okay. Mhmm. Yeah. Yeah. We can do that. No. No. I've only just, like, really started exploring that with Brooke because I'm buying on my own and my, like, my savings and stuff are quite low. There's actually there's just, like, zero chance I'm gonna be able to buy on the Gold Coast at the moment with what I've got. I really need to bump up my savings to even get a foot in the door. I would like to be able to buy between 700 and 700 and 50,000, like, a two bedroom place. But that being the goal, that's, like, that's, like, a couple of years away. That's not gonna happen within the next, you know, twelve months. It's probably more likely I'm gonna have to save really aggressively for the next little while and then move into a rental and then just continue to chip away as best I can. Mhmm. Yep. That's where I live now. Yep. Yeah. Mhmm. Yeah. I've not got high hopes. That's for sure. But, you know, just a foot in the door is, you know, all I'm really after. I'm not not too fussy. Yes. Yeah. Yep. Mhmm. No. And it's hard because we're at work. Like, I've thought about that too, like, moving further up. But while I'm working at the Robina Hospital and at uni in Coolingatta, like, it just makes things so hard. Yeah. God, ma'am. Yeah. Okay. Mhmm. Mhmm. No. It's not even really something I thought about. Yeah. I did it while I was still married. So, yeah, it's set up that my my husband gets 80% and then the kids get a a 10% each that'll be put away. And, I mean, reasonably, I'm happy to keep it at that because if something were to happen to me, he would have to be the whole he would be the the parent. So I'm happy for him to receive that still to go towards the care of the kids and stuff. Yeah. Yeah. And I trust him. He's he's pretty responsible and pretty reasonable in that. Like, I don't have to worry that he's gonna be inappropriate with them or anything like that. So I feel pretty confident that that's set up well for us. Okay. Yeah. No. I'm pretty happy because I think it'll more it'll if it they if anything would've happened to me, like, now ish while they're still quite little, it would all be very reasonable to go towards, like, the care of the kids until they're 18 or whatever. And then, you know, if there is anything left over, then great. But I, you know, I wouldn't expect that that there would be, you know, like, a lump sum to give them or anything. It's purely just to make sure that he's not burdened if anything would happen to me. So then I have to become the sole carer. Yeah. I bought my car, which is a novated lease, and he, you know, he bought out he bought out half of one of our other cars that I own, so he has that, but everything else is, you know, fine. No idea. No idea. It's a 2024 Mitsubishi Eclipse Cross. I think it's something like 24,000 something at the moment, maybe, if I had to guess. Yeah. Okay. No. God. That's so confusing. Yeah. So Watson Watson's the married name, and Boyle's my maiden name. I just haven't changed my license back to Boyle or anything yet, but I for most things, I go by Boyle. It's just my license. Yeah. Yep. It's under Boyle. Everything through work, even my novaited lease is Boyle because I never changed my surname with work. Just the, like, confidentiality, it just made it easy to have a different surname. So that's all oil. Yeah. I'm just really lazy with it. No. And we were married for I was gonna say we were only married for, like, not quite three years, so I feel like I only just changed it all over us. I'm like, I'm really just not driven to do it. Yep. No. I probably put my mom. Yep. Yeah. Yep. No. No. I've I've I've never really had, like, issues with debt or anything. I used to have some debt, but, like, I've managed to, like, pay it all down, and I've not opened up any new debt since because I just don't I don't really love it. No. I don't smoke. Super asthmatic. No. Not that I know of. My best guess would be somewhere around 2020, 2021, maybe. About when my that one I changed jobs. Okay. Yeah. It's okay. I'm a hundred and fifty eight centimeters, and I weigh sixty seven kilos. Yeah. I'm tiny. Mhmm. Okay. Okay. I've been treated for depression for for a long time, like, a long like, 2016 maybe is when I started. Yeah. GP and then the psychiatrist after, and then I haven't seen anyone in years. I could just be managed with the GP as needed. Yep. Escitalopram, so, like, Lexapar. No. It was just a few times in 2016, like, maybe over a period of twelve months, and then it's, like, been fine since yeah. Yeah. Yeah. Yeah. That's good. Yeah. It's difficult too because it's something that it's a part of my employment. Like, I work in a field that uses lived experience of mental health as part of my job. So I can't even, like, pretend that it doesn't exist. It's literally on my face. The only other thing I could think of was is that I had a weight loss surgery two years ago, so my health has actually improved since then. On a gastric sleeve. Through my private health insurance. Mhmm. 40. 40. Thank you. Yeah. Right. Yep. Pretty incredible. Yeah. And, like, I I actually had a bit of an opposite problem. I got to a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort of maintain yeah. Yep. A healthy, not too low of a weight, which is such a crazy thing to have to do when you are used to being overweight. Mhmm. Mhmm. No. I'd be happy to just leave it because, honestly, the less amount of paperwork and remembering I have to do down the line, the better. Mhmm. Mhmm. Yep. Yeah. Cool. Yeah. Yep. Mhmm. Okay. Nope. All good. Mhmm. Yep. Yep. Okay. Cool. No. All good. Yeah. I've got it in front of me right now. So as soon as I get your email, I'll send it through. Yes. I do. Give me one second. Yep. Mhmm. Dot com dot a u. Okay. It varies every week, honestly, because of the shift work. Yeah. That would be good. Awesome. Thank you so much. Thank you. 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Angela speaking. I'm good. Thank you. How are you?\n\nYeah. That's fine. Mhmm. Mhmm. No.\n\nNo. Mhmm. Okay. Mhmm. But that was just a suggestion from Brooke because I've got quite a few insurances through my super.\n\nAnd since I've recently, like, in the last twelve months separated from my husband, she thinks that it's really valuable to, like, review those and make sure that I'm getting the correct amount of insurance in place with those. No. No. We didn't really have any assets with that between us. Two.\n\nMhmm. Yeah. But one that's five and one that will be seven in the middle of the year. April. April.\n\nMhmm. Mhmm. I'm really wanting to buy a property. I think that, that's probably further away than I would like, but that's one of the goals. And then also just, like, to improve my spending habits, like, I've always, like, I've got a very good income.\n\nI just my whole approach to, like, saving and and budgeting and stuff is that I'm really good at working out the logistics of it, but my whole behavior around it is very much, like, treat yourself. Yeah. It's the 02/22/2019 '93. Yep. Yeah.\n\nI do salary sacrifice and stuff, which brings my number down on paper, but, ultimately, yeah. No. I work shift work, continue shift work, so it's different all the time. I couldn't tell you the gross off the top of my head, but I bring in around between 2,300 to 3,000 every fortnight after tax. Yep.\n\nYep. I do, but I haven't looked at it in, like, a while. Like, I probably looked at that insurance maybe two years ago. So it probably definitely needs to be updated. But I also was sort of, like, for a while, they're looking at getting a secondary, like, insurance for income protection.\n\nI don't know if you can have two policies at the same time, but just, like, outside of my super just in case anything happens, especially now that I'm a single mom. Mhmm. Mhmm. Mhmm. Mhmm.\n\nSee, I think mine's sitting at 65 at the moment from memory with g c balls. Sixty five percent. Yeah. So I probably definitely need to look at that. Yeah.\n\nI can jump on and log in and give that to you while we're on the phone. Mhmm. Yeah. I think I'm in, like, a good position, like, with my income and, like, what I bring in. It's mostly just, like, I I would like to utilize all my funds and stuff a bit and, like, my insurances and things, like, a bit more smarter now that I'm an adult.\n\nYeah. I just keep it all on my phone pretty much. I just keep, like, my fortnightly. So my bills sort of get split into three, and it's like my my bills and direct debits all sort of come out of one account. And then my kid my my share of the kids expenses go into a different account that their dad also contributes to to pay for, like, their after school care fees or insurances and stuff.\n\nAnd then and then my account is split between long term savings, more flexible savings for, like, fun and things like that, and then, like, my my day to day, like, groceries and spending and stuff. I have a long term savings, but I very often dip into that. Mhmm. Yeah. Yeah.\n\nI'm, like, putting away, like, a decent chunk every fortnight, but then, like, by the end of the fortnight, I've probably taken a couple 100 out of it. So I'm still getting ahead with savings. Like, I'm still saving. I'm just not as quickly as I could be. I generally if I pull up my thingy here let me go look here.\n\nYeah. So, generally, I'm putting away about a thousand dollars a fortnight into that long term savings, and that's only been over the last little while. But then that also will depend my aim is between 700 and 1,000 a fortnight, and then it just depends on if I've worked overtime or, like, what my, like, actual pay ends up being. Yep. Yep.\n\nAnd then I generally put, like, $300 into my, like, more flexible savings. So that's, like, if I wanna go out and do stuff with the kids or if I need to go, like, shopping money or beauty money or whatever. And then, like, yeah, I've got my grocery money and, like, you know, spending day to day, like, food and whatever. Yeah. Yep.\n\nMhmm. Yeah. I just think that, like, with my fund saving, I like, I don't know if I'm, like, managing that super well because I've got, like, things that I'm, like, I wanna do on the fortnight, but then I've also got fun things that I wanna, like, maybe, like, a holiday or something that I wanna say about within a year. And I'm sort of keeping that all in one account. So then when I'm, like, through the fortnight as I'm going, if I go shopping and I need to buy something or I'm taking it out of that account and then I don't have anything, like, long term saved up.\n\nSo then if something pops up, I then take it out of my other savings account. So I think I'm maybe like, I know that my spending needs to be refined a little bit, and I'm working on that. I've been tracking my spending every week and then monthly with my, like, banking app, and I keep a I keep a log of it. And I've been doing that for the last maybe two or three months just to see, like, where my money is actually going, where I'm doing the most spending, and then, like, setting goals to try and, like, like, bring that number down a little bit and just be, like, a bit more mindful of it. Yeah.\n\nYep. Yep. And that's exactly what I find is happening. Yep. Yep.\n\nYep. Mhmm. Yep. Yeah. It does.\n\nThat's exactly what I feel. So I'm like, you know, I'd love to be able to take the the kids on a holiday, and in theory, I have the money to be able to do that. But because every fortnight, it's just sort of, like, being chipped away at on other things, it never builds up to the point where I'm able to, you know, like, dedicate that chunk of money. Mhmm. Yep.\n\nYep. Yeah. So, like, the big one is, like, moving. So I currently live with my parents, and I want to be able to buy. But if that's not, like, something that I'm able to do within the next twelve months, then I will be moving into a rental anyway.\n\nSo just sort of, like, having some money there as, like, an emergency fund so that, you know, I can move. And and then there's also, like, a little bit of fallback money so that if anything were to happen, like, I would be like, I would have some savings there. So that's what I'm working on is, like, having that emergency savings and then also moving. And then short term, I would love to be able to do, like, one, like, domestic holiday year with the kids. Nothing too crazy, nothing too expensive.\n\nAnd then, yeah, that's just, like like more more regular things. Like, I would like to be able to, you know, do my Botox every six months or and, you know, that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know? Know? Mhmm. K.\n\nYep. Mhmm. Yep. Yep. I've got about $2 in savings at the moment.\n\nYeah. Yeah. That's easy. At the moment, anyway, when I move, it might change. So but for the next six months, that's definitely doable.\n\nMhmm. Yep. Yep. Yeah. I've got a bit of an idea.\n\nSo I think I can afford up to I mean, ideally, I don't want to pay 700 a week for somewhere, but I could I could get somewhere for about $6.50 to 700 a week rental wise in the area that I want. So I would need, you know, like, a few grand saved up. It's not clear at the moment. Where my mom is is the lease is up for renewal in, you know, May, June. And so it'll just depend on, like, what happens with the rental then, like, with the lease.\n\nIf they get extended, then great. I'll reevaluate. But if they don't, then, you know, my parents have a plan to move elsewhere, and then I'll, you know, find my own place. So it's sort of I'm aiming I'm planning as if it's you know, I'm going to have to move just because then that motivates me a little bit more. But there's there's no, like, set necessarily, like, set time frame.\n\nIt's sort of just like, I need to have it saved and ready to go if needed in May this year. Yes. Yeah. Yeah. It does.\n\nMhmm. K. Yeah. I've just logged in here. I don't know how to interpret this stuff.\n\nIt's, like, death covers down. So it's, like, amount of cover and units and then premium. I don't know. Doesn't actually give me but I'm happy to give you whatever I can read here. Mhmm.\n\nSo on what I can see here, it's amount of cover is four units at 500,000. And then it just says death cover premiums $4.87 per week. Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I took a significant pay increase. So I went back I made sure I went in and updated all of that then. So quite a while ago.\n\nSo TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week. Yep. Okay. Mhmm. Yep.\n\nOkay. Yeah. So income protection, amount of cover, 12.3 units of 6,150 per month. Benefit period is two years. Waiting period is sixty days, And income protection cover premium is $19.31 a week.\n\nYes. Mhmm. Yep. Yeah. So I work at Queensland Health.\n\nSo they've got a if I do 5%, they do 12 and a half percent. Yep. Yes. Good question. I I think I just signed the form.\n\nBut it's been I've worked for Queensland office so long, and I've changed it a couple of times. So I'm I'm not actually confident. I could pull that up for you right now. Mhmm. Mhmm.\n\nYes. I have a feeling I did set it up as salary sacrifice, but when I got my novated lease, I think I maybe changed it. I'm just logging in on here. Alright. It takes, like, eight different authentication pages to log in.\n\nMhmm. Mhmm. Okay. Yeah. And, honestly, it's like I've never really thought about it because I'm like, I don't even see it.\n\nI don't even look at I look at my how much super I've got maybe once a year just to be like, oh, yeah. Look at tracking. Otherwise, I don't really, like, look too much into it. I wouldn't know. My super.\n\nI have got a 143,792 thousand. Yeah. 143,792. Pretty good. Yeah.\n\nYeah. Mhmm. Yep. Yeah. I kinda wanted to do it that way because I'm I'm like I don't know.\n\nI just because I know I'm so shit with savings. I'm like, I just wanted to put myself in a really good position. Like, that's, like, the one thing I could do to make sure that I'm doing something a bit more long term. Yeah. Look.\n\nI don't have a particular preference. I would like to retire some not, like, super early, but, like, early enough to be able to enjoy a retirement. But I just wanna be prepared. Like, I've seen both my parents, but my dad had to medically retire quite young. And then my mom is, you know, like, sort of looking down that pathway as well of having to medically retire.\n\nSo I'm like, I just wanna be prepared for you know, you never know what's gonna happen. And the pension the pension is not great. Yeah. Mhmm. Yeah.\n\nYeah. I've got my pay slip up, and it looks like it's just coming out before tax. Sorry. No. It's coming out after.\n\nThat's my bad. Yep. I can do that today when I go into work. I thought that I had set it up and I haven't checked it. So mhmm.\n\nYep. Mhmm. Yeah. Correct. Cool.\n\nYes. Mhmm. Mhmm. Mhmm. Going off of my savings at the moment, there's no way that I could last sixty days.\n\nThat's sort of like the the goal would be yeah. No. Not well, I mean, I've got that, like, little bit sitting there, but if I have to move and something was to happen in the next month or two, then, yeah, definitely not. I wouldn't be I wouldn't be in a good position to be able to wait that long. Yeah.\n\nUh-huh. Yep. Yeah. That would be better. Yeah.\n\nSo it's 30 for the meantime, and then if it can change, like, in six months to a year's time, then change it, like, as as things improve. I've only really started cracking down on all my financial stuff in the last, like, three months anyway. Okay. Mhmm. Yep.\n\nMhmm. Okay. Yep. Yep. Mhmm.\n\nYep. No. I'm in a I'm in a pretty high, like, high risk category. QSuper have put my occupational rating at high risk because I'm in an acute mental health ward on the on the floor with patients. There's, like, a high risk of occupational violence and harm.\n\nI'm an advanced peer worker. Yeah. So it's not quite nursing. It's more like a combination of support work and allied health. Yeah.\n\nI've got a set full for the role, but I'm also at university studying a degree studying a bachelor's. It's in occupational therapy. Yeah. So in the yeah. So in the next twelve months, I'm hoping to do half of where I'm at and do a couple of days a week as, like, support work through NDIS just to sort of get some experience and get my foot in the door.\n\nAnd then once I finish my degree, I haven't decided yet if I'll go through NDIS or stay with Queensland Health. But, yeah, the goal is that I'll I'll switch from being a peer worker to an OT. Yeah. Yeah. Yeah.\n\nYeah. Mhmm. Yeah. Yep. Okay.\n\nOkay. Okay. Okay. Okay. Yeah.\n\nMakes sense. I'm pretty happy. My investments at the moment, I've just got everything invested in, like, an aggressive account with QSuper. Like, they're standard. Because I'm, like, I'm young and I've got forever to go when you know?\n\nI've I've seen, like, quite good results from that in the last, like, few years that it's been set that way. So I'm pretty happy with that. Yeah. I think from memory, this was a very long time ago, but we had a QSuper, like, rep come around to work when I was working a different role Yeah. And was sort of like, you know, like, these are some things to think about.\n\nThese are some services we can offer. They offer, like, financial advice through them as well, and it just sort of, like, prompted me to think about it. And then I've just been doing, like, my own sort of research since just, like, listening to podcasts and stuff. I do eventually want to be able to invest and, like, have some savings, like, invest that way because I've never really been interested in, like, investing in property. Like, I would rather have a house and then have, like, an investment portfolio of, like, shares and stocks separately.\n\nI've just never really been in a position, like, where I've felt like I could do that yet. So that's definitely, like, one of the goals down the line. That's, like, a five years type looking into. Yep. Yep.\n\nYeah. Yeah. Mhmm. Yes. Mhmm.\n\nYeah. Like, the whole idea of, like, having a portfolio of, like, investment properties does not appeal to me. It just actually makes me feel stressed. Affordable. Yeah.\n\nYeah. I just wanna, like, forget about it and have it that's why I like what my suit is doing because I'm like, I don't I just set it as high growth, and I don't think about it until tax time where I go check, make sure that I'm still just increasing the amount, and I move on with my day. And that's just new one. Mhmm. Mhmm.\n\nYep. Mhmm. Yeah. So I guess you could say that my, like, personal got my rank my financial goals for the next twelve months is about, like, financial stability and just, like, putting down those foundations. And then from there, it will be more about, like, thinking a bit more, like, long term savings and investing.\n\nYep. Yeah. No. Yeah. Yeah.\n\nYeah. I've got all the right motivation and all the right knowledge. It's just a matter of, like, actually acting on that and sticking with it is the difficulty. Yeah. Mhmm.\n\nMhmm. Yep. Yep. Yep. Cool.\n\nYeah. No. I'm happy with it too. Okay. Mhmm.\n\nYeah. Yeah. We can do that. No. No.\n\nI've only just, like, really started exploring that with Brooke because I'm buying on my own and my, like, my savings and stuff are quite low. There's actually there's just, like, zero chance I'm gonna be able to buy on the Gold Coast at the moment with what I've got. I really need to bump up my savings to even get a foot in the door. I would like to be able to buy between 700 and 700 and 50,000, like, a two bedroom place. But that being the goal, that's, like, that's, like, a couple of years away.\n\nThat's not gonna happen within the next, you know, twelve months. It's probably more likely I'm gonna have to save really aggressively for the next little while and then move into a rental and then just continue to chip away as best I can. Mhmm. Yep. That's where I live now.\n\nYep. Yeah. Mhmm. Yeah. I've not got high hopes.\n\nThat's for sure. But, you know, just a foot in the door is, you know, all I'm really after. I'm not not too fussy. Yes. Yeah.\n\nYep. Mhmm. No. And it's hard because we're at work. Like, I've thought about that too, like, moving further up.\n\nBut while I'm working at the Robina Hospital and at uni in Coolingatta, like, it just makes things so hard. Yeah. God, ma'am. Yeah. Okay.\n\nMhmm. Mhmm. No. It's not even really something I thought about. Yeah.\n\nI did it while I was still married. So, yeah, it's set up that my my husband gets 80% and then the kids get a a 10% each that'll be put away. And, I mean, reasonably, I'm happy to keep it at that because if something were to happen to me, he would have to be the whole he would be the the parent. So I'm happy for him to receive that still to go towards the care of the kids and stuff. Yeah.\n\nYeah. And I trust him. He's he's pretty responsible and pretty reasonable in that. Like, I don't have to worry that he's gonna be inappropriate with them or anything like that. So I feel pretty confident that that's set up well for us.\n\nOkay. Yeah. No. I'm pretty happy because I think it'll more it'll if it they if anything would've happened to me, like, now ish while they're still quite little, it would all be very reasonable to go towards, like, the care of the kids until they're 18 or whatever. And then, you know, if there is anything left over, then great.\n\nBut I, you know, I wouldn't expect that that there would be, you know, like, a lump sum to give them or anything. It's purely just to make sure that he's not burdened if anything would happen to me. So then I have to become the sole carer. Yeah. I bought my car, which is a novated lease, and he, you know, he bought out he bought out half of one of our other cars that I own, so he has that, but everything else is, you know, fine.\n\nNo idea. No idea. It's a 2024 Mitsubishi Eclipse Cross. I think it's something like 24,000 something at the moment, maybe, if I had to guess. Yeah.\n\nOkay. No. God. That's so confusing. Yeah.\n\nSo Watson Watson's the married name, and Boyle's my maiden name. I just haven't changed my license back to Boyle or anything yet, but I for most things, I go by Boyle. It's just my license. Yeah. Yep.\n\nIt's under Boyle. Everything through work, even my novaited lease is Boyle because I never changed my surname with work. Just the, like, confidentiality, it just made it easy to have a different surname. So that's all oil. Yeah.\n\nI'm just really lazy with it. No. And we were married for I was gonna say we were only married for, like, not quite three years, so I feel like I only just changed it all over us. I'm like, I'm really just not driven to do it. Yep.\n\nNo. I probably put my mom. Yep. Yeah. Yep.\n\nNo. No. I've I've I've never really had, like, issues with debt or anything. I used to have some debt, but, like, I've managed to, like, pay it all down, and I've not opened up any new debt since because I just don't I don't really love it. No.\n\nI don't smoke. Super asthmatic. No. Not that I know of. My best guess would be somewhere around 2020, 2021, maybe.\n\nAbout when my that one I changed jobs. Okay. Yeah. It's okay. I'm a hundred and fifty eight centimeters, and I weigh sixty seven kilos.\n\nYeah. I'm tiny. Mhmm. Okay. Okay.\n\nI've been treated for depression for for a long time, like, a long like, 2016 maybe is when I started. Yeah. GP and then the psychiatrist after, and then I haven't seen anyone in years. I could just be managed with the GP as needed. Yep.\n\nEscitalopram, so, like, Lexapar. No. It was just a few times in 2016, like, maybe over a period of twelve months, and then it's, like, been fine since yeah. Yeah. Yeah.\n\nYeah. That's good. Yeah. It's difficult too because it's something that it's a part of my employment. Like, I work in a field that uses lived experience of mental health as part of my job.\n\nSo I can't even, like, pretend that it doesn't exist. It's literally on my face. The only other thing I could think of was is that I had a weight loss surgery two years ago, so my health has actually improved since then. On a gastric sleeve. Through my private health insurance.\n\nMhmm. 40. 40. Thank you. Yeah.\n\nRight. Yep. Pretty incredible. Yeah. And, like, I I actually had a bit of an opposite problem.\n\nI got to a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort of maintain yeah. Yep. A healthy, not too low of a weight, which is such a crazy thing to have to do when you are used to being overweight. Mhmm. Mhmm.\n\nNo. I'd be happy to just leave it because, honestly, the less amount of paperwork and remembering I have to do down the line, the better. Mhmm. Mhmm. Yep.\n\nYeah. Cool. Yeah. Yep. Mhmm.\n\nOkay. Nope. All good. Mhmm. Yep.\n\nYep. Okay. Cool. No. All good.\n\nYeah. I've got it in front of me right now. So as soon as I get your email, I'll send it through. Yes. I do.\n\nGive me one second. Yep. Mhmm. Dot com dot a u. Okay.\n\nIt varies every week, honestly, because of the shift work. Yeah. That would be good. Awesome. Thank you so much.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.36,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03923800960183144},{"text":"Angela speaking.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.04285797104239464},{"text":"I'm good.","start":7.9199996,"end":8.4,"sentiment":"positive","sentiment_score":0.4189092814922333},{"text":"Thank you.","start":8.4,"end":8.72,"sentiment":"positive","sentiment_score":0.5869847238063812},{"text":"How are you?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.3017137249310811}],"sentiment":"neutral","sentiment_score":0.3041883137077093,"num_words":10,"start":1.36,"end":9.54},{"sentences":[{"text":"Yeah.","start":17.045,"end":17.365,"sentiment":"neutral","sentiment_score":0.1198500394821167},{"text":"That's fine.","start":17.365,"end":18.185,"sentiment":"neutral","sentiment_score":0.23751194030046463},{"text":"Mhmm.","start":24.404999,"end":24.904999,"sentiment":"neutral","sentiment_score":0.05430151522159576},{"text":"Mhmm.","start":29.685,"end":30.185,"sentiment":"neutral","sentiment_score":0.007183165289461613},{"text":"No.","start":32.16,"end":32.56,"sentiment":"neutral","sentiment_score":-0.07149557769298553}],"sentiment":"neutral","sentiment_score":0.09747717048351963,"num_words":6,"start":17.045,"end":32.56},{"sentences":[{"text":"No.","start":32.56,"end":33.06,"sentiment":"neutral","sentiment_score":-0.07208149880170822},{"text":"Mhmm.","start":42.08,"end":42.58,"sentiment":"neutral","sentiment_score":0.03810609132051468},{"text":"Okay.","start":51.875,"end":52.375,"sentiment":"neutral","sentiment_score":0.11146103590726852},{"text":"Mhmm.","start":59.67,"end":60.17,"sentiment":"neutral","sentiment_score":0.003294185735285282},{"text":"But that was just a suggestion from Brooke because I've got quite a few insurances through my super.","start":63.03,"end":68.81,"sentiment":"neutral","sentiment_score":0.010573075152933598}],"sentiment":"neutral","sentiment_score":0.012322507587007502,"num_words":22,"start":32.56,"end":68.81},{"sentences":[{"text":"And since I've recently, like, in the last twelve months separated from my husband, she thinks that it's really valuable to, like, review those and make sure that I'm getting the correct amount of insurance in place with those.","start":69.99,"end":87.12,"sentiment":"neutral","sentiment_score":0.06526890184539251},{"text":"No.","start":92.14,"end":92.3,"sentiment":"neutral","sentiment_score":-0.10103310644626616},{"text":"No.","start":92.3,"end":92.54,"sentiment":"neutral","sentiment_score":-0.11033157259225844},{"text":"We didn't really have any assets with that between us.","start":92.54,"end":95.44,"sentiment":"neutral","sentiment_score":-0.08722441010177136},{"text":"Two.","start":104.645,"end":105.145,"sentiment":"neutral","sentiment_score":-0.005887797102332115}],"sentiment":"neutral","sentiment_score":0.027999819130994953,"num_words":52,"start":69.99,"end":105.145},{"sentences":[{"text":"Mhmm.","start":106.805,"end":107.305,"sentiment":"neutral","sentiment_score":-0.00007025268860161304},{"text":"Yeah.","start":111.685,"end":112.005,"sentiment":"neutral","sentiment_score":0.0036241132766008377},{"text":"But one that's five and one that will be seven in the middle of the year.","start":112.005,"end":116.22,"sentiment":"neutral","sentiment_score":0.007566929823951796},{"text":"April.","start":118.68,"end":119.18,"sentiment":"neutral","sentiment_score":0.018230685964226723},{"text":"April.","start":119.24,"end":119.74,"sentiment":"neutral","sentiment_score":0.014060896821320055}],"sentiment":"neutral","sentiment_score":0.007845816027838737,"num_words":20,"start":106.805,"end":119.74},{"sentences":[{"text":"Mhmm.","start":121.08,"end":121.58,"sentiment":"neutral","sentiment_score":0.13704662024974823},{"text":"Mhmm.","start":127.8,"end":128.235,"sentiment":"neutral","sentiment_score":0.07690499722957611},{"text":"I'm really wanting to buy a property.","start":131.915,"end":134.015,"sentiment":"neutral","sentiment_score":-0.12370586927448},{"text":"I think that, that's probably further away than I would like, but that's one of the goals.","start":134.075,"end":139.035,"sentiment":"neutral","sentiment_score":-0.20531750141697772},{"text":"And then also just, like, to improve my spending habits, like, I've always, like, I've got a very good income.","start":139.035,"end":143.49,"sentiment":"neutral","sentiment_score":0.3094245083630085}],"sentiment":"neutral","sentiment_score":0.04448050382020681,"num_words":46,"start":121.08,"end":143.49},{"sentences":[{"text":"I just my whole approach to, like, saving and and budgeting and stuff is that I'm really good at working out the logistics of it, but my whole behavior around it is very much, like, treat yourself.","start":143.49,"end":154.39,"sentiment":"neutral","sentiment_score":0.2468790800587551},{"text":"Yeah.","start":162.185,"end":162.42499,"sentiment":"neutral","sentiment_score":0.01585816964507103},{"text":"It's the 02/22/2019 '93.","start":162.42499,"end":165.48499,"sentiment":"neutral","sentiment_score":0.01233307528309524},{"text":"Yep.","start":171.46999,"end":171.96999,"sentiment":"neutral","sentiment_score":-0.005264222621917725},{"text":"Yeah.","start":176.18999,"end":176.51,"sentiment":"neutral","sentiment_score":-0.015939660370349884}],"sentiment":"neutral","sentiment_score":0.20860255795361643,"num_words":44,"start":143.49,"end":176.51},{"sentences":[{"text":"I do salary sacrifice and stuff, which brings my number down on paper, but, ultimately, yeah.","start":176.51,"end":181.17,"sentiment":"neutral","sentiment_score":-0.030130841536447406},{"text":"No.","start":186.68501,"end":187.18501,"sentiment":"neutral","sentiment_score":-0.129533588886261},{"text":"I work shift work, continue shift work, so it's different all the time.","start":187.32501,"end":191.345,"sentiment":"neutral","sentiment_score":-0.08030158768479641},{"text":"I couldn't tell you the gross off the top of my head, but I bring in around between 2,300 to 3,000 every fortnight after tax.","start":192.285,"end":202.67,"sentiment":"neutral","sentiment_score":-0.04112458534538746},{"text":"Yep.","start":208.25,"end":208.75,"sentiment":"neutral","sentiment_score":0.0695854127407074}],"sentiment":"neutral","sentiment_score":-0.04667994489760271,"num_words":56,"start":176.51,"end":208.75},{"sentences":[{"text":"Yep.","start":210.09,"end":210.59,"sentiment":"neutral","sentiment_score":0.10757648944854736},{"text":"I do, but I haven't looked at it in, like, a while.","start":217.875,"end":221.655,"sentiment":"neutral","sentiment_score":-0.13733501002813378},{"text":"Like, I probably looked at that insurance maybe two years ago.","start":221.715,"end":226.67499,"sentiment":"neutral","sentiment_score":-0.1580302891406146},{"text":"So it probably definitely needs to be updated.","start":226.67499,"end":230.85,"sentiment":"neutral","sentiment_score":-0.24695880990475416},{"text":"But I also was sort of, like, for a while, they're looking at getting a secondary, like, insurance for income protection.","start":230.91,"end":237.73,"sentiment":"neutral","sentiment_score":0.03562641338933082}],"sentiment":"neutral","sentiment_score":-0.08502438885845104,"num_words":53,"start":210.09,"end":237.73},{"sentences":[{"text":"I don't know if you can have two policies at the same time, but just, like, outside of my super just in case anything happens, especially now that I'm a single mom.","start":238.75,"end":245.375,"sentiment":"neutral","sentiment_score":0.038612775155343115},{"text":"Mhmm.","start":252.55501,"end":253.05501,"sentiment":"neutral","sentiment_score":0.056115131825208664},{"text":"Mhmm.","start":259.37003,"end":259.87003,"sentiment":"neutral","sentiment_score":0.16166600584983826},{"text":"Mhmm.","start":267.69,"end":268.19,"sentiment":"neutral","sentiment_score":0.15038350224494934},{"text":"Mhmm.","start":278.19498,"end":278.595,"sentiment":"neutral","sentiment_score":-0.01298434380441904}],"sentiment":"neutral","sentiment_score":0.04418858614129325,"num_words":36,"start":238.75,"end":278.595},{"sentences":[{"text":"See, I think mine's sitting at 65 at the moment from memory with g c balls.","start":278.595,"end":283.01498,"sentiment":"neutral","sentiment_score":-0.022100418456830084},{"text":"Sixty five percent.","start":284.19498,"end":285.21,"sentiment":"neutral","sentiment_score":0.012691914259145657},{"text":"Yeah.","start":285.61,"end":285.77,"sentiment":"neutral","sentiment_score":0.028124911710619926},{"text":"So I probably definitely need to look at that.","start":285.77,"end":287.87,"sentiment":"neutral","sentiment_score":-0.07591077643964025},{"text":"Yeah.","start":295.61,"end":295.93,"sentiment":"neutral","sentiment_score":0.15393289923667908}],"sentiment":"neutral","sentiment_score":-0.027222337651376924,"num_words":30,"start":278.595,"end":295.93},{"sentences":[{"text":"I can jump on and log in and give that to you while we're on the phone.","start":295.93,"end":300.365,"sentiment":"neutral","sentiment_score":0.15634374934084275},{"text":"Mhmm.","start":313.31,"end":313.81,"sentiment":"neutral","sentiment_score":0.011769119650125504},{"text":"Yeah.","start":317.31,"end":317.62997,"sentiment":"neutral","sentiment_score":0.14363013207912445},{"text":"I think I'm in, like, a good position, like, with my income and, like, what I bring in.","start":317.62997,"end":320.99,"sentiment":"positive","sentiment_score":0.3942510452535417},{"text":"It's mostly just, like, I I would like to utilize all my funds and stuff a bit and, like, my insurances and things, like, a bit more smarter now that I'm an adult.","start":320.99,"end":331.575,"sentiment":"positive","sentiment_score":0.390625720222791}],"sentiment":"neutral","sentiment_score":0.325720151034849,"num_words":70,"start":295.93,"end":331.575},{"sentences":[{"text":"Yeah.","start":345.25,"end":345.49,"sentiment":"neutral","sentiment_score":0.13364605605602264},{"text":"I just keep it all on my phone pretty much.","start":345.49,"end":347.25,"sentiment":"neutral","sentiment_score":0.2015056774020195},{"text":"I just keep, like, my fortnightly.","start":347.25,"end":348.71,"sentiment":"neutral","sentiment_score":0.17159570505221686},{"text":"So my bills sort of get split into three, and it's like my my bills and direct debits all sort of come out of one account.","start":348.85,"end":355.445,"sentiment":"neutral","sentiment_score":0.14133750246121332},{"text":"And then my kid my my share of the kids expenses go into a different account that their dad also contributes to to pay for, like, their after school care fees or insurances and stuff.","start":355.585,"end":368.63,"sentiment":"neutral","sentiment_score":0.0948954630110945}],"sentiment":"neutral","sentiment_score":0.13044094012524837,"num_words":78,"start":345.25,"end":368.63},{"sentences":[{"text":"And then and then my account is split between long term savings, more flexible savings for, like, fun and things like that, and then, like, my my day to day, like, groceries and spending and stuff.","start":368.63,"end":382.64502,"sentiment":"neutral","sentiment_score":0.1359737099458774},{"text":"I have a long term savings, but I very often dip into that.","start":390.625,"end":398.47,"sentiment":"neutral","sentiment_score":0.06257835001899646},{"text":"Mhmm.","start":407.65,"end":408.15,"sentiment":"neutral","sentiment_score":0.03949616104364395},{"text":"Yeah.","start":418.57498,"end":419.07498,"sentiment":"neutral","sentiment_score":0.013631261885166168},{"text":"Yeah.","start":420.335,"end":420.815,"sentiment":"neutral","sentiment_score":0.04460245370864868}],"sentiment":"neutral","sentiment_score":0.11165965355646151,"num_words":52,"start":368.63,"end":420.815},{"sentences":[{"text":"I'm, like, putting away, like, a decent chunk every fortnight, but then, like, by the end of the fortnight, I've probably taken a couple 100 out of it.","start":420.815,"end":428.86002,"sentiment":"neutral","sentiment_score":0.11487340381635087},{"text":"So I'm still getting ahead with savings.","start":429.16,"end":430.92,"sentiment":"positive","sentiment_score":0.41153767704963684},{"text":"Like, I'm still saving.","start":430.92,"end":432.06,"sentiment":"neutral","sentiment_score":0.26710794121026993},{"text":"I'm just not as quickly as I could be.","start":432.12003,"end":434.46002,"sentiment":"neutral","sentiment_score":0.04235293509231673},{"text":"I generally if I pull up my thingy here let me go look here.","start":440.57498,"end":448.35498,"sentiment":"neutral","sentiment_score":0.03548560930149896}],"sentiment":"neutral","sentiment_score":0.12973589930803545,"num_words":62,"start":420.815,"end":448.35498},{"sentences":[{"text":"Yeah.","start":450.175,"end":450.57498,"sentiment":"neutral","sentiment_score":0.012415747158229353},{"text":"So, generally, I'm putting away about a thousand dollars a fortnight into that long term savings, and that's only been over the last little while.","start":450.57498,"end":459.59,"sentiment":"positive","sentiment_score":0.4435702478885651},{"text":"But then that also will depend my aim is between 700 and 1,000 a fortnight, and then it just depends on if I've worked overtime or, like, what my, like, actual pay ends up being.","start":459.59,"end":472.275,"sentiment":"neutral","sentiment_score":0.18925783251013076},{"text":"Yep.","start":477.055,"end":477.555,"sentiment":"neutral","sentiment_score":0.2338750958442688},{"text":"Yep.","start":479.31,"end":479.63,"sentiment":"positive","sentiment_score":0.37224680185317993}],"sentiment":"neutral","sentiment_score":0.2909812377765775,"num_words":63,"start":450.175,"end":479.63},{"sentences":[{"text":"And then I generally put, like, $300 into my, like, more flexible savings.","start":479.63,"end":483.71,"sentiment":"positive","sentiment_score":0.5187227725982666},{"text":"So that's, like, if I wanna go out and do stuff with the kids or if I need to go, like, shopping money or beauty money or whatever.","start":483.71,"end":489.49,"sentiment":"positive","sentiment_score":0.5110868896756854},{"text":"And then, like, yeah, I've got my grocery money and, like, you know, spending day to day, like, food and whatever.","start":489.72498,"end":495.66498,"sentiment":"neutral","sentiment_score":0.3222934575307937},{"text":"Yeah.","start":502.04498,"end":502.54498,"sentiment":"neutral","sentiment_score":0.2985559403896332},{"text":"Yep.","start":509.39,"end":509.89,"sentiment":"neutral","sentiment_score":0.16324938833713531}],"sentiment":"positive","sentiment_score":0.4419343264307827,"num_words":64,"start":479.63,"end":509.89},{"sentences":[{"text":"Mhmm.","start":511.23,"end":511.73,"sentiment":"neutral","sentiment_score":0.04304330423474312},{"text":"Yeah.","start":522.365,"end":522.865,"sentiment":"neutral","sentiment_score":0.3152945041656494},{"text":"I just think that, like, with my fund saving, I like, I don't know if I'm, like, managing that super well because I've got, like, things that I'm, like, I wanna do on the fortnight, but then I've also got fun things that I wanna, like, maybe, like, a holiday or something that I wanna say about within a year.","start":523.325,"end":541.32,"sentiment":"positive","sentiment_score":0.5537578850984574},{"text":"And I'm sort of keeping that all in one account.","start":541.86,"end":544.44,"sentiment":"positive","sentiment_score":0.43378700471948833},{"text":"So then when I'm, like, through the fortnight as I'm going, if I go shopping and I need to buy something or I'm taking it out of that account and then I don't have anything, like, long term saved up.","start":544.565,"end":553.765,"sentiment":"neutral","sentiment_score":-0.0676957699470222}],"sentiment":"neutral","sentiment_score":0.31440937646090916,"num_words":112,"start":511.23,"end":553.765},{"sentences":[{"text":"So then if something pops up, I then take it out of my other savings account.","start":553.765,"end":557.225,"sentiment":"neutral","sentiment_score":-0.10616583749651909},{"text":"So I think I'm maybe like, I know that my spending needs to be refined a little bit, and I'm working on that.","start":558.54004,"end":565.26,"sentiment":"neutral","sentiment_score":0.10479473095873128},{"text":"I've been tracking my spending every week and then monthly with my, like, banking app, and I keep a I keep a log of it.","start":565.26,"end":573.51495,"sentiment":"neutral","sentiment_score":0.13919242233037948},{"text":"And I've been doing that for the last maybe two or three months just to see, like, where my money is actually going, where I'm doing the most spending, and then, like, setting goals to try and, like, like, bring that number down a little bit and just be, like, a bit more mindful of it.","start":573.51495,"end":588.24,"sentiment":"neutral","sentiment_score":0.12870665586420468},{"text":"Yeah.","start":596.62,"end":597.015,"sentiment":"neutral","sentiment_score":-0.009630927816033363}],"sentiment":"neutral","sentiment_score":0.09412708901607793,"num_words":121,"start":553.765,"end":597.015},{"sentences":[{"text":"Yep.","start":600.85504,"end":601.35504,"sentiment":"neutral","sentiment_score":-0.06889507174491882},{"text":"Yep.","start":604.695,"end":605.015,"sentiment":"neutral","sentiment_score":0.06588242948055267},{"text":"And that's exactly what I find is happening.","start":605.015,"end":607.275,"sentiment":"neutral","sentiment_score":0.054310085251927376},{"text":"Yep.","start":618.39,"end":618.89,"sentiment":"neutral","sentiment_score":0.1406026929616928},{"text":"Yep.","start":623.67004,"end":624.17004,"sentiment":"neutral","sentiment_score":0.096386656165123}],"sentiment":"neutral","sentiment_score":0.05570478240648905,"num_words":12,"start":600.85504,"end":624.17004},{"sentences":[{"text":"Yep.","start":624.55005,"end":624.855,"sentiment":"neutral","sentiment_score":0.13230499625205994},{"text":"Mhmm.","start":630.055,"end":630.555,"sentiment":"neutral","sentiment_score":0.1354639232158661},{"text":"Yep.","start":636.77496,"end":637.27496,"sentiment":"neutral","sentiment_score":0.2545842230319977},{"text":"Yeah.","start":637.33496,"end":637.57495,"sentiment":"positive","sentiment_score":0.3785788416862488},{"text":"It does.","start":637.57495,"end":637.975,"sentiment":"positive","sentiment_score":0.4660959988832474}],"sentiment":"neutral","sentiment_score":0.3055206636587779,"num_words":6,"start":624.55005,"end":637.975},{"sentences":[{"text":"That's exactly what I feel.","start":637.975,"end":639.095,"sentiment":"positive","sentiment_score":0.5747663497924804},{"text":"So I'm like, you know, I'd love to be able to take the the kids on a holiday, and in theory, I have the money to be able to do that.","start":639.095,"end":644.48,"sentiment":"positive","sentiment_score":0.5876884066289471},{"text":"But because every fortnight, it's just sort of, like, being chipped away at on other things, it never builds up to the point where I'm able to, you know, like, dedicate that chunk of money.","start":644.54,"end":656.01495,"sentiment":"neutral","sentiment_score":0.1103422143629619},{"text":"Mhmm.","start":666.24,"end":666.74,"sentiment":"neutral","sentiment_score":0.07485780864953995},{"text":"Yep.","start":673.2,"end":673.7,"sentiment":"neutral","sentiment_score":0.16830484569072723}],"sentiment":"positive","sentiment_score":0.34516866454114653,"num_words":73,"start":637.975,"end":673.7},{"sentences":[{"text":"Yep.","start":677.12,"end":677.62,"sentiment":"neutral","sentiment_score":0.18850629031658173},{"text":"Yeah.","start":677.76,"end":678.26,"sentiment":"neutral","sentiment_score":0.2476460188627243},{"text":"So, like, the big one is, like, moving.","start":689.04504,"end":691.56,"sentiment":"neutral","sentiment_score":0.13014073763042688},{"text":"So I currently live with my parents, and I want to be able to buy.","start":691.62,"end":695.06,"sentiment":"neutral","sentiment_score":0.16909356514612833},{"text":"But if that's not, like, something that I'm able to do within the next twelve months, then I will be moving into a rental anyway.","start":695.06,"end":701.94,"sentiment":"neutral","sentiment_score":0.10324532926082611}],"sentiment":"neutral","sentiment_score":0.13189629837870598,"num_words":50,"start":677.12,"end":701.94},{"sentences":[{"text":"So just sort of, like, having some money there as, like, an emergency fund so that, you know, I can move.","start":701.94,"end":707.28503,"sentiment":"neutral","sentiment_score":0.22578459410440355},{"text":"And and then there's also, like, a little bit of fallback money so that if anything were to happen, like, I would be like, I would have some savings there.","start":707.745,"end":714.705,"sentiment":"neutral","sentiment_score":0.24030191401640574},{"text":"So that's what I'm working on is, like, having that emergency savings and then also moving.","start":714.705,"end":719.60504,"sentiment":"positive","sentiment_score":0.3513776622712612},{"text":"And then short term, I would love to be able to do, like, one, like, domestic holiday year with the kids.","start":719.87,"end":727.25,"sentiment":"positive","sentiment_score":0.5827548922527404},{"text":"Nothing too crazy, nothing too expensive.","start":728.02997,"end":730.20996,"sentiment":"positive","sentiment_score":0.514243021607399}],"sentiment":"positive","sentiment_score":0.34995624851039114,"num_words":94,"start":701.94,"end":730.20996},{"sentences":[{"text":"And then, yeah, that's just, like like more more regular things.","start":731.79,"end":735.40497,"sentiment":"positive","sentiment_score":0.41166159781542694},{"text":"Like, I would like to be able to, you know, do my Botox every six months or and, you know, that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know?","start":735.40497,"end":747.75,"sentiment":"neutral","sentiment_score":-0.012169980535320207},{"text":"Know?","start":761.59,"end":761.99,"sentiment":"neutral","sentiment_score":0.06749129295349121},{"text":"Mhmm.","start":761.99,"end":762.49,"sentiment":"neutral","sentiment_score":0.0583263486623764},{"text":"K.","start":772.04504,"end":772.54504,"sentiment":"neutral","sentiment_score":0.13819468021392822}],"sentiment":"neutral","sentiment_score":0.06417878293074095,"num_words":65,"start":731.79,"end":772.54504},{"sentences":[{"text":"Yep.","start":781.98,"end":782.48,"sentiment":"neutral","sentiment_score":0.10308154672384262},{"text":"Mhmm.","start":800.475,"end":800.94,"sentiment":"neutral","sentiment_score":0.23532134294509888},{"text":"Yep.","start":812.78,"end":813.28,"sentiment":"neutral","sentiment_score":0.1517426371574402},{"text":"Yep.","start":814.14,"end":814.64,"sentiment":"neutral","sentiment_score":0.1068839281797409},{"text":"I've got about $2 in savings at the moment.","start":820.90497,"end":823.40497,"sentiment":"neutral","sentiment_score":0.09618751621908611}],"sentiment":"neutral","sentiment_score":0.1125167000752229,"num_words":13,"start":781.98,"end":823.40497},{"sentences":[{"text":"Yeah.","start":845.195,"end":845.435,"sentiment":"neutral","sentiment_score":0.3069538474082947},{"text":"Yeah.","start":845.435,"end":845.675,"sentiment":"positive","sentiment_score":0.3562695384025574},{"text":"That's easy.","start":845.675,"end":846.495,"sentiment":"positive","sentiment_score":0.46667391061782837},{"text":"At the moment, anyway, when I move, it might change.","start":848.235,"end":850.71497,"sentiment":"neutral","sentiment_score":0.04956672294065356},{"text":"So but for the next six months, that's definitely doable.","start":850.71497,"end":853.21497,"sentiment":"positive","sentiment_score":0.584964245557785}],"sentiment":"neutral","sentiment_score":0.3309117038346206,"num_words":24,"start":845.195,"end":853.21497},{"sentences":[{"text":"Mhmm.","start":864.57,"end":864.73,"sentiment":"neutral","sentiment_score":0.12994642555713654},{"text":"Yep.","start":864.73,"end":865.23,"sentiment":"neutral","sentiment_score":0.130738765001297},{"text":"Yep.","start":866.41,"end":866.805,"sentiment":"neutral","sentiment_score":0.12880495190620422},{"text":"Yeah.","start":873.765,"end":874.085,"sentiment":"neutral","sentiment_score":0.08738638460636139},{"text":"I've got a bit of an idea.","start":874.085,"end":875.205,"sentiment":"neutral","sentiment_score":0.12051250785589218}],"sentiment":"neutral","sentiment_score":0.12004218927838585,"num_words":11,"start":864.57,"end":875.205},{"sentences":[{"text":"So I think I can afford up to I mean, ideally, I don't want to pay 700 a week for somewhere, but I could I could get somewhere for about $6.50 to 700 a week rental wise in the area that I want.","start":875.205,"end":887.44995,"sentiment":"neutral","sentiment_score":0.12358590683271718},{"text":"So I would need, you know, like, a few grand saved up.","start":887.44995,"end":890.26996,"sentiment":"neutral","sentiment_score":0.05946331129719814},{"text":"It's not clear at the moment.","start":901.385,"end":903.96497,"sentiment":"neutral","sentiment_score":-0.17060071478287378},{"text":"Where my mom is is the lease is up for renewal in, you know, May, June.","start":904.76,"end":910.38,"sentiment":"neutral","sentiment_score":-0.056050597806461155},{"text":"And so it'll just depend on, like, what happens with the rental then, like, with the lease.","start":910.52,"end":915.08,"sentiment":"neutral","sentiment_score":-0.04197222290231901}],"sentiment":"neutral","sentiment_score":0.036104383898225234,"num_words":94,"start":875.205,"end":915.08},{"sentences":[{"text":"If they get extended, then great.","start":915.08,"end":917.5,"sentiment":"neutral","sentiment_score":0.019731520985563595},{"text":"I'll reevaluate.","start":917.615,"end":918.435,"sentiment":"neutral","sentiment_score":-0.014502829872071743},{"text":"But if they don't, then, you know, my parents have a plan to move elsewhere, and then I'll, you know, find my own place.","start":918.815,"end":924.25494,"sentiment":"neutral","sentiment_score":-0.11526079662144184},{"text":"So it's sort of I'm aiming I'm planning as if it's you know, I'm going to have to move just because then that motivates me a little bit more.","start":924.25494,"end":931.15497,"sentiment":"neutral","sentiment_score":0.12432336306263661},{"text":"But there's there's no, like, set necessarily, like, set time frame.","start":932.56,"end":936.48004,"sentiment":"neutral","sentiment_score":0.010172487998550589}],"sentiment":"neutral","sentiment_score":0.014449989500766,"num_words":72,"start":915.08,"end":936.48004},{"sentences":[{"text":"It's sort of just like, I need to have it saved and ready to go if needed in May this year.","start":936.48004,"end":945.915,"sentiment":"neutral","sentiment_score":0.1047152326930137},{"text":"Yes.","start":954.39496,"end":954.89496,"sentiment":"neutral","sentiment_score":0.11885660886764526},{"text":"Yeah.","start":963.77,"end":964.27,"sentiment":"neutral","sentiment_score":0.15799817442893982},{"text":"Yeah.","start":967.37,"end":967.69,"sentiment":"neutral","sentiment_score":0.25154197216033936},{"text":"It does.","start":967.69,"end":968.43,"sentiment":"positive","sentiment_score":0.3344067931175232}],"sentiment":"neutral","sentiment_score":0.13062423954789454,"num_words":26,"start":936.48004,"end":968.43},{"sentences":[{"text":"Mhmm.","start":980.185,"end":980.685,"sentiment":"neutral","sentiment_score":0.08419612050056458},{"text":"K.","start":996.24005,"end":996.74005,"sentiment":"neutral","sentiment_score":0.1046237200498581},{"text":"Yeah.","start":1001.655,"end":1001.815,"sentiment":"neutral","sentiment_score":0.04051756858825683},{"text":"I've just logged in here.","start":1001.815,"end":1002.695,"sentiment":"neutral","sentiment_score":0.02641516886651516},{"text":"I don't know how to interpret this stuff.","start":1002.695,"end":1004.615,"sentiment":"neutral","sentiment_score":-0.0435407527256757}],"sentiment":"neutral","sentiment_score":0.0008179519791156055,"num_words":16,"start":980.185,"end":1004.615},{"sentences":[{"text":"It's, like, death covers down.","start":1004.615,"end":1006.615,"sentiment":"neutral","sentiment_score":-0.0077817777171731},{"text":"So it's, like, amount of cover and units and then premium.","start":1006.615,"end":1009.355,"sentiment":"neutral","sentiment_score":0.015837649391456085},{"text":"I don't know.","start":1009.495,"end":1010.22,"sentiment":"neutral","sentiment_score":-0.015584850683808327},{"text":"Doesn't actually give me but I'm happy to give you whatever I can read here.","start":1010.3,"end":1014.95996,"sentiment":"neutral","sentiment_score":0.21917153894901276},{"text":"Mhmm.","start":1030.5549,"end":1031.0549,"sentiment":"neutral","sentiment_score":0.0442563071846962}],"sentiment":"neutral","sentiment_score":0.09772514554538897,"num_words":35,"start":1004.615,"end":1031.0549},{"sentences":[{"text":"So on what I can see here, it's amount of cover is four units at 500,000.","start":1031.275,"end":1036.975,"sentiment":"neutral","sentiment_score":0.041803393978625536},{"text":"And then it just says death cover premiums $4.87 per week.","start":1038.93,"end":1043.03,"sentiment":"neutral","sentiment_score":0.02320556410334327},{"text":"Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I took a significant pay increase.","start":1063.7849,"end":1075.46,"sentiment":"neutral","sentiment_score":-0.022593644094364398},{"text":"So I went back I made sure I went in and updated all of that then.","start":1075.46,"end":1078.6,"sentiment":"neutral","sentiment_score":0.07663301192224026},{"text":"So quite a while ago.","start":1080.375,"end":1081.995,"sentiment":"neutral","sentiment_score":0.0750012801028788}],"sentiment":"neutral","sentiment_score":0.024286161315953965,"num_words":77,"start":1031.275,"end":1081.995},{"sentences":[{"text":"So TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week.","start":1087.575,"end":1097.49,"sentiment":"neutral","sentiment_score":0.014545202529167427},{"text":"Yep.","start":1101.47,"end":1101.97,"sentiment":"neutral","sentiment_score":0.17289762198925018},{"text":"Okay.","start":1107.71,"end":1108.155,"sentiment":"neutral","sentiment_score":0.0662439614534378},{"text":"Mhmm.","start":1112.7151,"end":1113.2151,"sentiment":"neutral","sentiment_score":0.022240832448005676},{"text":"Yep.","start":1126.25,"end":1126.75,"sentiment":"neutral","sentiment_score":0.03239315375685692}],"sentiment":"neutral","sentiment_score":0.025764000602066517,"num_words":21,"start":1087.575,"end":1126.75},{"sentences":[{"text":"Okay.","start":1128.7301,"end":1129.2301,"sentiment":"neutral","sentiment_score":0.04832392930984497},{"text":"Yeah.","start":1131.53,"end":1131.77,"sentiment":"neutral","sentiment_score":0.030198946595191956},{"text":"So income protection, amount of cover, 12.3 units of 6,150 per month.","start":1131.77,"end":1139.515,"sentiment":"neutral","sentiment_score":0.024261072122802336},{"text":"Benefit period is two years.","start":1143.815,"end":1145.835,"sentiment":"neutral","sentiment_score":0.025003712624311447},{"text":"Waiting period is sixty days, And income protection cover premium is $19.31 a week.","start":1146.375,"end":1154.08,"sentiment":"neutral","sentiment_score":0.012654459569603205}],"sentiment":"neutral","sentiment_score":0.020358689044686882,"num_words":33,"start":1128.7301,"end":1154.08},{"sentences":[{"text":"Yes.","start":1174.075,"end":1174.32,"sentiment":"neutral","sentiment_score":0.06692760437726974},{"text":"Mhmm.","start":1179.2,"end":1179.7,"sentiment":"neutral","sentiment_score":0.000879763625562191},{"text":"Yep.","start":1182.08,"end":1182.58,"sentiment":"neutral","sentiment_score":0.022106178104877472},{"text":"Yeah.","start":1192.255,"end":1192.495,"sentiment":"neutral","sentiment_score":-0.020170073956251144},{"text":"So I work at Queensland Health.","start":1192.495,"end":1194.255,"sentiment":"neutral","sentiment_score":-0.02745827566832304}],"sentiment":"neutral","sentiment_score":-0.009500618185847997,"num_words":10,"start":1174.075,"end":1194.255},{"sentences":[{"text":"So they've got a if I do 5%, they do 12 and a half percent.","start":1194.255,"end":1198.56,"sentiment":"neutral","sentiment_score":-0.017459691626330216},{"text":"Yep.","start":1201.68,"end":1202.18,"sentiment":"neutral","sentiment_score":0.019841177389025688},{"text":"Yes.","start":1222.575,"end":1222.815,"sentiment":"neutral","sentiment_score":0.055169373750686646},{"text":"Good question.","start":1222.815,"end":1223.5549,"sentiment":"neutral","sentiment_score":0.16274257004261017},{"text":"I I think I just signed the form.","start":1224.095,"end":1228.69,"sentiment":"neutral","sentiment_score":0.08652602089568973}],"sentiment":"neutral","sentiment_score":0.030770684592425823,"num_words":27,"start":1194.255,"end":1228.69},{"sentences":[{"text":"But it's been I've worked for Queensland office so long, and I've changed it a couple of times.","start":1228.83,"end":1232.59,"sentiment":"neutral","sentiment_score":-0.059482605610456735},{"text":"So I'm I'm not actually confident.","start":1232.59,"end":1234.21,"sentiment":"negative","sentiment_score":-0.3756031120816867},{"text":"I could pull that up for you right 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about it because I'm like, I don't even see it.","start":1347.625,"end":1350.745,"sentiment":"neutral","sentiment_score":-0.12860839772555563}],"sentiment":"neutral","sentiment_score":-0.10270584006370469,"num_words":22,"start":1329.755,"end":1350.745},{"sentences":[{"text":"I don't even look at I look at my how much super I've got maybe once a year just to be like, oh, yeah.","start":1350.745,"end":1354.985,"sentiment":"neutral","sentiment_score":-0.07339491687404613},{"text":"Look at tracking.","start":1354.985,"end":1355.885,"sentiment":"neutral","sentiment_score":-0.05158543214201927},{"text":"Otherwise, I don't really, like, look too much into it.","start":1356.265,"end":1358.505,"sentiment":"neutral","sentiment_score":-0.1573789171874523},{"text":"I wouldn't know.","start":1358.505,"end":1359.485,"sentiment":"neutral","sentiment_score":-0.13228482007980347},{"text":"My 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anyway.","start":1669.63,"end":1674.685,"sentiment":"negative","sentiment_score":-0.4906407743692398},{"text":"Okay.","start":1692.8401,"end":1693.3401,"sentiment":"neutral","sentiment_score":0.12504081428050995},{"text":"Mhmm.","start":1704.305,"end":1704.805,"sentiment":"neutral","sentiment_score":0.08080104738473892},{"text":"Yep.","start":1705.105,"end":1705.605,"sentiment":"neutral","sentiment_score":0.2820547819137573}],"sentiment":"neutral","sentiment_score":-0.15466279338817207,"num_words":49,"start":1661.3899,"end":1705.605},{"sentences":[{"text":"Mhmm.","start":1710.465,"end":1710.965,"sentiment":"positive","sentiment_score":0.3590165972709656},{"text":"Okay.","start":1715.74,"end":1716.24,"sentiment":"positive","sentiment_score":0.4757671356201172},{"text":"Yep.","start":1730.635,"end":1731.135,"sentiment":"neutral","sentiment_score":0.10202567279338837},{"text":"Yep.","start":1732.9551,"end":1733.4551,"sentiment":"neutral","sentiment_score":0.04090048372745514},{"text":"Mhmm.","start":1744.5701,"end":1745.0701,"sentiment":"neutral","sentiment_score":-0.021529298275709152}],"sentiment":"neutral","sentiment_score":0.19123611822724343,"num_words":5,"start":1710.465,"end":1745.0701},{"sentences":[{"text":"Yep.","start":1754.5049,"end":1755.0049,"sentiment":"neutral","sentiment_score":-0.012063230387866495},{"text":"No.","start":1759.465,"end":1759.705,"sentiment":"negative","sentiment_score":-0.34415531158447266},{"text":"I'm 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offer.","start":1999.465,"end":2000.985,"sentiment":"neutral","sentiment_score":0.1008626754794802},{"text":"They offer, like, financial advice through them as well, and it just sort of, like, prompted me to think about it.","start":2000.985,"end":2005.99,"sentiment":"neutral","sentiment_score":0.17085133954173043},{"text":"And then I've just been doing, like, my own sort of research since just, like, listening to podcasts and stuff.","start":2005.99,"end":2011.43,"sentiment":"neutral","sentiment_score":0.12486132085323334},{"text":"I do eventually want to be able to invest and, like, have some savings, like, invest that way because I've never really been interested in, like, investing in property.","start":2011.43,"end":2020.615,"sentiment":"neutral","sentiment_score":0.11259395457354598},{"text":"Like, I would rather have a house and then have, like, an investment portfolio of, like, shares and stocks 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go check, make sure that I'm still just increasing the amount, and I move on with my day.","start":2087.665,"end":2100.45,"sentiment":"neutral","sentiment_score":0.131083929973344},{"text":"And that's just new one.","start":2101.2952,"end":2102.675,"sentiment":"neutral","sentiment_score":0.30475192070007323},{"text":"Mhmm.","start":2111.455,"end":2111.955,"sentiment":"neutral","sentiment_score":-0.006412779912352562},{"text":"Mhmm.","start":2116.655,"end":2117.155,"sentiment":"neutral","sentiment_score":0.07212419807910919}],"sentiment":"neutral","sentiment_score":0.13956631920026505,"num_words":68,"start":2087.3452,"end":2117.155},{"sentences":[{"text":"Yep.","start":2119.75,"end":2120.25,"sentiment":"neutral","sentiment_score":0.22942599654197693},{"text":"Mhmm.","start":2128.79,"end":2129.205,"sentiment":"neutral","sentiment_score":0.23587879538536072},{"text":"Yeah.","start":2134.245,"end":2134.745,"sentiment":"neutral","sentiment_score":0.14736884832382202},{"text":"So I guess you could say that my, like, personal got my rank my financial goals for the next twelve months is about, like, financial stability and just, like, putting down those foundations.","start":2134.885,"end":2143.21,"sentiment":"neutral","sentiment_score":0.1391162472692403},{"text":"And then from there, it will be more about, like, thinking a bit more, like, long term savings and 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got all the right motivation and all the right knowledge.","start":2191.7651,"end":2194.5051,"sentiment":"neutral","sentiment_score":0.22955917905677448},{"text":"It's just a matter of, like, actually acting on that and sticking with it is the difficulty.","start":2194.5652,"end":2200.72,"sentiment":"neutral","sentiment_score":0.12377211407703512},{"text":"Yeah.","start":2219.4949,"end":2219.9949,"sentiment":"neutral","sentiment_score":0.05849457532167435},{"text":"Mhmm.","start":2223.03,"end":2223.53,"sentiment":"neutral","sentiment_score":0.0023090136237442493}],"sentiment":"neutral","sentiment_score":0.15293020023513706,"num_words":31,"start":2191.5251,"end":2223.53},{"sentences":[{"text":"Mhmm.","start":2229.8025,"end":2230.3025,"sentiment":"neutral","sentiment_score":0.0883115828037262},{"text":"Yep.","start":2236.655,"end":2237.155,"sentiment":"positive","sentiment_score":0.34015560150146484},{"text":"Yep.","start":2251.615,"end":2252.04,"sentiment":"positive","sentiment_score":0.468365877866745},{"text":"Yep.","start":2256.84,"end":2257.34,"sentiment":"neutral","sentiment_score":0.2957642674446106},{"text":"Cool.","start":2257.4001,"end":2257.9001,"sentiment":"positive","sentiment_score":0.4553221762180328}],"sentiment":"neutral","sentiment_score":0.3295839011669159,"num_words":5,"start":2229.8025,"end":2257.9001},{"sentences":[{"text":"Yeah.","start":2262.04,"end":2262.36,"sentiment":"neutral","sentiment_score":0.10129500925540924},{"text":"No.","start":2262.36,"end":2262.52,"sentiment":"neutral","sentiment_score":0.009611450135707855},{"text":"I'm happy with it too.","start":2262.52,"end":2263.82,"sentiment":"neutral","sentiment_score":0.20520066618919372},{"text":"Okay.","start":2277.675,"end":2278.175,"sentiment":"neutral","sentiment_score":0.01668361946940422},{"text":"Mhmm.","start":2291.79,"end":2292.29,"sentiment":"neutral","sentiment_score":0.00037576863542199135}],"sentiment":"neutral","sentiment_score":0.12821879760465688,"num_words":9,"start":2262.04,"end":2292.29},{"sentences":[{"text":"Yeah.","start":2295.915,"end":2296.415,"sentiment":"neutral","sentiment_score":0.1078430637717247},{"text":"Yeah.","start":2301.9949,"end":2302.2349,"sentiment":"neutral","sentiment_score":0.17481671273708344},{"text":"We can do 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sure.","start":2405.0552,"end":2405.695,"sentiment":"neutral","sentiment_score":-0.06692471603552501},{"text":"But, you know, just a foot in the door is, you know, all I'm really after.","start":2405.695,"end":2409.455,"sentiment":"neutral","sentiment_score":0.04371894965879619},{"text":"I'm not not too 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ma'am.","start":2467.0752,"end":2467.68,"sentiment":"neutral","sentiment_score":-0.10459186509251595},{"text":"Yeah.","start":2468.3198,"end":2468.8198,"sentiment":"neutral","sentiment_score":0.22249707579612732},{"text":"Okay.","start":2478.64,"end":2478.72,"sentiment":"neutral","sentiment_score":0.038361482322216034}],"sentiment":"neutral","sentiment_score":-0.19714752435684205,"num_words":25,"start":2456.8352,"end":2478.72},{"sentences":[{"text":"Mhmm.","start":2478.72,"end":2479.22,"sentiment":"neutral","sentiment_score":0.029326988384127617},{"text":"Mhmm.","start":2492.975,"end":2493.475,"sentiment":"neutral","sentiment_score":0.0011068694293498993},{"text":"No.","start":2506.425,"end":2506.5051,"sentiment":"neutral","sentiment_score":-0.23108743131160736},{"text":"It's not even really something I thought about.","start":2506.5051,"end":2510.125,"sentiment":"neutral","sentiment_score":-0.24348893761634827},{"text":"Yeah.","start":2519.3052,"end":2519.8052,"sentiment":"neutral","sentiment_score":0.01162833720445633}],"sentiment":"neutral","sentiment_score":-0.17807806143537164,"num_words":12,"start":2478.72,"end":2519.8052},{"sentences":[{"text":"I did it while I was still married.","start":2533.74,"end":2536.665,"sentiment":"neutral","sentiment_score":0.02756801014766097},{"text":"So, yeah, it's set up that my my husband gets 80% and then the kids get a a 10% each that'll be put away.","start":2538.165,"end":2543.785,"sentiment":"neutral","sentiment_score":0.0695269488884757},{"text":"And, I mean, reasonably, I'm happy to keep it at that because if something were to happen to me, he would have to be the whole he would be the the parent.","start":2545.125,"end":2552.95,"sentiment":"positive","sentiment_score":0.3747300961986184},{"text":"So I'm happy for him to receive that still to go 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up well for us.","start":2573.3552,"end":2576.22,"sentiment":"positive","sentiment_score":0.7226335604985555}],"sentiment":"positive","sentiment_score":0.5991475630638211,"num_words":43,"start":2566.875,"end":2576.22},{"sentences":[{"text":"Okay.","start":2590.54,"end":2591.025,"sentiment":"neutral","sentiment_score":0.18296313285827637},{"text":"Yeah.","start":2608.96,"end":2609.28,"sentiment":"neutral","sentiment_score":0.1882204711437225},{"text":"No.","start":2609.28,"end":2609.52,"sentiment":"neutral","sentiment_score":0.142862930893898},{"text":"I'm pretty happy because I think it'll more it'll if it they if anything would've happened to me, like, now ish while they're still quite little, it would all be very reasonable to go towards, like, the care of the kids until they're 18 or whatever.","start":2609.52,"end":2620.135,"sentiment":"neutral","sentiment_score":0.27675829941163893},{"text":"And then, you know, if there is anything left over, then 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that I own, so he has that, but everything else is, you know, fine.","start":2640.5,"end":2651.445,"sentiment":"neutral","sentiment_score":0.0746811400167644}],"sentiment":"neutral","sentiment_score":0.1357606477051806,"num_words":89,"start":2623.335,"end":2651.445},{"sentences":[{"text":"No idea.","start":2660.64,"end":2661.2998,"sentiment":"neutral","sentiment_score":-0.14206717908382416},{"text":"No idea.","start":2662.5598,"end":2663.2998,"sentiment":"neutral","sentiment_score":-0.1268712654709816},{"text":"It's a 2024 Mitsubishi Eclipse Cross.","start":2663.3599,"end":2669.025,"sentiment":"neutral","sentiment_score":-0.009863998120029768},{"text":"I think it's something like 24,000 something at the moment, maybe, if I had to 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confusing.","start":2687.32,"end":2688.2202,"sentiment":"negative","sentiment_score":-0.4084334969520569},{"text":"Yeah.","start":2703.735,"end":2703.975,"sentiment":"neutral","sentiment_score":-0.006466762162744999}],"sentiment":"neutral","sentiment_score":-0.2402094222073044,"num_words":7,"start":2682.145,"end":2703.975},{"sentences":[{"text":"So Watson Watson's the married name, and Boyle's my maiden name.","start":2703.975,"end":2709.255,"sentiment":"neutral","sentiment_score":-0.0021217700189233506},{"text":"I just haven't changed my license back to Boyle or anything yet, but I for most things, I go by Boyle.","start":2709.255,"end":2715.8901,"sentiment":"neutral","sentiment_score":-0.011223688233821165},{"text":"It's just my license.","start":2717.47,"end":2718.6902,"sentiment":"neutral","sentiment_score":0.09380232635885477},{"text":"Yeah.","start":2719.9502,"end":2720.35,"sentiment":"neutral","sentiment_score":0.05480056628584862},{"text":"Yep.","start":2720.35,"end":2720.85,"sentiment":"neutral","sentiment_score":0.04156726598739624}],"sentiment":"neutral","sentiment_score":0.005593163541849016,"num_words":38,"start":2703.975,"end":2720.85},{"sentences":[{"text":"It's under Boyle.","start":2725.915,"end":2726.875,"sentiment":"neutral","sentiment_score":0.017906762349108856},{"text":"Everything through work, even my novaited lease is Boyle because I never changed my surname with work.","start":2726.875,"end":2731.035,"sentiment":"neutral","sentiment_score":0.04354375151588636},{"text":"Just the, like, confidentiality, it just made it easy to have a different surname.","start":2731.035,"end":2734.815,"sentiment":"neutral","sentiment_score":0.08106550674087235},{"text":"So that's all oil.","start":2736.3599,"end":2738.46,"sentiment":"neutral","sentiment_score":0.09539134241640568},{"text":"Yeah.","start":2744.44,"end":2744.76,"sentiment":"neutral","sentiment_score":-0.23522773385047913}],"sentiment":"neutral","sentiment_score":0.053210738282173105,"num_words":39,"start":2725.915,"end":2744.76},{"sentences":[{"text":"I'm just really lazy with it.","start":2744.76,"end":2746.2998,"sentiment":"negative","sentiment_score":-0.46013959248860675},{"text":"No.","start":2752.085,"end":2752.585,"sentiment":"neutral","sentiment_score":-0.0974217727780342},{"text":"And we were married for I was gonna say we were only married for, like, not quite three years, so I feel like I only just changed it all over us.","start":2752.805,"end":2759.365,"sentiment":"neutral","sentiment_score":-0.13002741293260647},{"text":"I'm like, I'm really just not driven to do it.","start":2759.365,"end":2770.94,"sentiment":"neutral","sentiment_score":-0.13957574646919965},{"text":"Yep.","start":2770.94,"end":2771.44,"sentiment":"neutral","sentiment_score":0.018551740795373917}],"sentiment":"neutral","sentiment_score":-0.16870030311259385,"num_words":49,"start":2744.76,"end":2771.44},{"sentences":[{"text":"No.","start":2774.46,"end":2774.78,"sentiment":"neutral","sentiment_score":-0.0727153867483139},{"text":"I probably put my mom.","start":2774.78,"end":2776.035,"sentiment":"neutral","sentiment_score":-0.07268335893750191},{"text":"Yep.","start":2786.035,"end":2786.535,"sentiment":"neutral","sentiment_score":-0.04141153022646904},{"text":"Yeah.","start":2790.115,"end":2790.615,"sentiment":"neutral","sentiment_score":-0.005967603996396065},{"text":"Yep.","start":2801.7002,"end":2802.2002,"sentiment":"neutral","sentiment_score":0.005494448356330395}],"sentiment":"neutral","sentiment_score":-0.05311298525581757,"num_words":9,"start":2774.46,"end":2802.2002},{"sentences":[{"text":"No.","start":2813.675,"end":2814.075,"sentiment":"neutral","sentiment_score":-0.2034166008234024},{"text":"No.","start":2814.075,"end":2814.315,"sentiment":"neutral","sentiment_score":-0.29741233587265015},{"text":"I've I've I've never really had, like, issues with debt or anything.","start":2814.315,"end":2818.555,"sentiment":"neutral","sentiment_score":-0.31951507677634555},{"text":"I used to have some debt, but, like, I've managed to, like, pay it all down, and I've not opened up any new debt since because I just don't I don't really love it.","start":2818.555,"end":2826.95,"sentiment":"negative","sentiment_score":-0.37335729818133745},{"text":"No.","start":2835.65,"end":2836.15,"sentiment":"neutral","sentiment_score":-0.07230131328105927}],"sentiment":"negative","sentiment_score":-0.34900937366242313,"num_words":49,"start":2813.675,"end":2836.15},{"sentences":[{"text":"I don't smoke.","start":2841.705,"end":2842.685,"sentiment":"neutral","sentiment_score":-0.12172365188598633},{"text":"Super asthmatic.","start":2842.905,"end":2843.725,"sentiment":"neutral","sentiment_score":-0.023711053654551506},{"text":"No.","start":2859.48,"end":2859.72,"sentiment":"neutral","sentiment_score":-0.12176694720983504},{"text":"Not that I know of.","start":2859.72,"end":2860.94,"sentiment":"neutral","sentiment_score":-0.10059928745031357},{"text":"My best guess would be somewhere around 2020, 2021, maybe.","start":2868.075,"end":2874.095,"sentiment":"neutral","sentiment_score":0.004681794065982103}],"sentiment":"neutral","sentiment_score":-0.04716850032231638,"num_words":21,"start":2841.705,"end":2874.095},{"sentences":[{"text":"About when my that one I changed jobs.","start":2877.515,"end":2879.96,"sentiment":"neutral","sentiment_score":-0.0073584308847785},{"text":"Okay.","start":2888.9,"end":2889.4,"sentiment":"neutral","sentiment_score":0.020481042563915253},{"text":"Yeah.","start":2893.54,"end":2893.635,"sentiment":"neutral","sentiment_score":0.07598914951086044},{"text":"It's okay.","start":2893.795,"end":2894.115,"sentiment":"neutral","sentiment_score":0.14905988425016403},{"text":"I'm a hundred and fifty eight centimeters, and I weigh sixty seven kilos.","start":2894.115,"end":2900.535,"sentiment":"neutral","sentiment_score":0.07250015867444184}],"sentiment":"neutral","sentiment_score":0.051128983050584796,"num_words":25,"start":2877.515,"end":2900.535},{"sentences":[{"text":"Yeah.","start":2904.195,"end":2904.435,"sentiment":"neutral","sentiment_score":0.1277237981557846},{"text":"I'm tiny.","start":2904.435,"end":2905.095,"sentiment":"neutral","sentiment_score":0.24685101211071014},{"text":"Mhmm.","start":2922.285,"end":2922.785,"sentiment":"neutral","sentiment_score":-0.01577552780508995},{"text":"Okay.","start":2928.525,"end":2929.025,"sentiment":"neutral","sentiment_score":-0.02489130012691021},{"text":"Okay.","start":2931.405,"end":2931.905,"sentiment":"neutral","sentiment_score":-0.04479144513607025}],"sentiment":"neutral","sentiment_score":0.08932792488485575,"num_words":6,"start":2904.195,"end":2931.905},{"sentences":[{"text":"I've been treated for depression for for a long time, like, a long like, 2016 maybe is when I started.","start":2932.605,"end":2939.45,"sentiment":"neutral","sentiment_score":-0.13644978627562523},{"text":"Yeah.","start":2944.15,"end":2944.65,"sentiment":"neutral","sentiment_score":-0.029896754771471024},{"text":"GP and then the psychiatrist after, and then I haven't seen anyone in years.","start":2948.3098,"end":2953.405,"sentiment":"neutral","sentiment_score":-0.0806565588074071},{"text":"I could just be managed with the GP as needed.","start":2953.405,"end":2955.665,"sentiment":"neutral","sentiment_score":-0.027375145256519316},{"text":"Yep.","start":2965.245,"end":2965.56,"sentiment":"neutral","sentiment_score":0.040992069989442825}],"sentiment":"neutral","sentiment_score":-0.08958355839485707,"num_words":46,"start":2932.605,"end":2965.56},{"sentences":[{"text":"Escitalopram, so, like, Lexapar.","start":2970.44,"end":2972.22,"sentiment":"neutral","sentiment_score":0.0016509754350408912},{"text":"No.","start":2995.68,"end":2995.7598,"sentiment":"neutral","sentiment_score":-0.07651793956756592},{"text":"It was just a few times in 2016, like, maybe over a period of twelve months, and then it's, like, been fine since yeah.","start":2995.7598,"end":3009.555,"sentiment":"neutral","sentiment_score":-0.05239374144002795},{"text":"Yeah.","start":3018.835,"end":3019.335,"sentiment":"neutral","sentiment_score":-0.14526236057281494},{"text":"Yeah.","start":3032.1301,"end":3032.6301,"sentiment":"neutral","sentiment_score":-0.09345759451389311}],"sentiment":"neutral","sentiment_score":-0.050518831854025205,"num_words":31,"start":2970.44,"end":3032.6301},{"sentences":[{"text":"Yeah.","start":3037.595,"end":3037.835,"sentiment":"neutral","sentiment_score":-0.05074756219983101},{"text":"That's good.","start":3037.835,"end":3038.575,"sentiment":"neutral","sentiment_score":-0.10676545277237892},{"text":"Yeah.","start":3047.515,"end":3047.995,"sentiment":"neutral","sentiment_score":-0.12300819158554076},{"text":"It's difficult too because it's something that it's a part of my employment.","start":3047.995,"end":3052.18,"sentiment":"neutral","sentiment_score":-0.1672032383772043},{"text":"Like, I work in a field that uses lived experience of mental health as part of my job.","start":3052.18,"end":3057.38,"sentiment":"neutral","sentiment_score":-0.1139720661772622}],"sentiment":"neutral","sentiment_score":-0.13178359855498586,"num_words":35,"start":3037.595,"end":3057.38},{"sentences":[{"text":"So I can't even, like, pretend that it doesn't exist.","start":3057.38,"end":3059.96,"sentiment":"neutral","sentiment_score":-0.14072163850069047},{"text":"It's literally on my face.","start":3060.42,"end":3061.635,"sentiment":"neutral","sentiment_score":-0.09122880548238754},{"text":"The only other thing I could think of was is that I had a weight loss surgery two years ago, so my health has actually improved since then.","start":3072.355,"end":3078.9,"sentiment":"neutral","sentiment_score":0.16865583349551475},{"text":"On a gastric sleeve.","start":3083.76,"end":3084.98,"sentiment":"neutral","sentiment_score":0.023454131674952805},{"text":"Through my private health insurance.","start":3094.275,"end":3095.8948,"sentiment":"neutral","sentiment_score":0.007839903049170972}],"sentiment":"neutral","sentiment_score":0.05753882629617762,"num_words":52,"start":3057.38,"end":3095.8948},{"sentences":[{"text":"Mhmm.","start":3104.5,"end":3105.0,"sentiment":"neutral","sentiment_score":0.014239070937037468},{"text":"40.","start":3107.3,"end":3107.8,"sentiment":"neutral","sentiment_score":0.013694921508431436},{"text":"40.","start":3108.1802,"end":3109.08,"sentiment":"neutral","sentiment_score":0.015451078303158283},{"text":"Thank you.","start":3114.1802,"end":3115.0,"sentiment":"positive","sentiment_score":0.6623305380344391},{"text":"Yeah.","start":3128.195,"end":3128.435,"sentiment":"neutral","sentiment_score":-0.0022017788141965866}],"sentiment":"neutral","sentiment_score":0.22764072800055146,"num_words":6,"start":3104.5,"end":3128.435},{"sentences":[{"text":"Right.","start":3128.435,"end":3128.91,"sentiment":"neutral","sentiment_score":0.030230775475502018},{"text":"Yep.","start":3131.7898,"end":3132.2898,"sentiment":"neutral","sentiment_score":0.23269574344158173},{"text":"Pretty incredible.","start":3134.67,"end":3135.39,"sentiment":"positive","sentiment_score":0.7045188546180725},{"text":"Yeah.","start":3135.39,"end":3135.89,"sentiment":"positive","sentiment_score":0.3351708650588989},{"text":"And, like, I I actually had a bit of an opposite problem.","start":3137.7898,"end":3140.5898,"sentiment":"neutral","sentiment_score":-0.06926880807926257}],"sentiment":"neutral","sentiment_score":0.06917114095652804,"num_words":17,"start":3128.435,"end":3140.5898},{"sentences":[{"text":"I got to a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort of maintain yeah.","start":3140.5898,"end":3151.345,"sentiment":"neutral","sentiment_score":-0.17296141428717723},{"text":"Yep.","start":3151.345,"end":3151.665,"sentiment":"neutral","sentiment_score":0.026857998222112656},{"text":"A healthy, not too low of a weight, which is such a crazy thing to have to do when you are used to being overweight.","start":3151.665,"end":3157.7,"sentiment":"neutral","sentiment_score":-0.09834366023540497},{"text":"Mhmm.","start":3173.375,"end":3173.875,"sentiment":"neutral","sentiment_score":-0.025917425751686096},{"text":"Mhmm.","start":3182.83,"end":3183.33,"sentiment":"neutral","sentiment_score":-0.018102005124092106}],"sentiment":"neutral","sentiment_score":-0.1418144845305697,"num_words":76,"start":3140.5898,"end":3183.33},{"sentences":[{"text":"No.","start":3196.2852,"end":3196.7852,"sentiment":"neutral","sentiment_score":0.003884676843881607},{"text":"I'd be happy to just leave it because, honestly, the less amount of paperwork and remembering I have to do down the line, the better.","start":3201.885,"end":3208.26,"sentiment":"neutral","sentiment_score":0.23810641825199128},{"text":"Mhmm.","start":3216.42,"end":3216.92,"sentiment":"neutral","sentiment_score":-0.000850575277581811},{"text":"Mhmm.","start":3232.835,"end":3233.04,"sentiment":"neutral","sentiment_score":0.13965363800525665},{"text":"Yep.","start":3257.775,"end":3258.275,"sentiment":"neutral","sentiment_score":0.22818121314048767}],"sentiment":"neutral","sentiment_score":0.21805273824178711,"num_words":29,"start":3196.2852,"end":3258.275},{"sentences":[{"text":"Yeah.","start":3260.335,"end":3260.575,"sentiment":"neutral","sentiment_score":0.3305389881134033},{"text":"Cool.","start":3260.575,"end":3261.03,"sentiment":"positive","sentiment_score":0.4955824613571167},{"text":"Yeah.","start":3271.51,"end":3272.01,"sentiment":"neutral","sentiment_score":-0.054671600461006165},{"text":"Yep.","start":3278.2449,"end":3278.7449,"sentiment":"neutral","sentiment_score":0.12135225534439088},{"text":"Mhmm.","start":3291.46,"end":3291.96,"sentiment":"neutral","sentiment_score":0.01851014420390129}],"sentiment":"neutral","sentiment_score":0.1822624497115612,"num_words":5,"start":3260.335,"end":3291.96},{"sentences":[{"text":"Okay.","start":3302.035,"end":3302.535,"sentiment":"neutral","sentiment_score":0.14655640721321106},{"text":"Nope.","start":3312.77,"end":3313.27,"sentiment":"neutral","sentiment_score":0.061343200504779816},{"text":"All good.","start":3313.33,"end":3314.07,"sentiment":"neutral","sentiment_score":0.21598746627569199},{"text":"Mhmm.","start":3321.97,"end":3322.305,"sentiment":"neutral","sentiment_score":0.07482951134443283},{"text":"Yep.","start":3325.7449,"end":3326.2449,"sentiment":"neutral","sentiment_score":0.1306723654270172}],"sentiment":"neutral","sentiment_score":0.14089606950680414,"num_words":6,"start":3302.035,"end":3326.2449},{"sentences":[{"text":"Yep.","start":3335.9849,"end":3336.39,"sentiment":"neutral","sentiment_score":0.038910552859306335},{"text":"Okay.","start":3341.75,"end":3342.0698,"sentiment":"positive","sentiment_score":0.3377583920955658},{"text":"Cool.","start":3342.0698,"end":3342.5698,"sentiment":"positive","sentiment_score":0.6415591835975647},{"text":"No.","start":3347.19,"end":3347.51,"sentiment":"neutral","sentiment_score":-0.022924594581127167},{"text":"All good.","start":3347.51,"end":3348.17,"sentiment":"neutral","sentiment_score":0.25742364674806595}],"sentiment":"neutral","sentiment_score":0.2516918045779069,"num_words":6,"start":3335.9849,"end":3348.17},{"sentences":[{"text":"Yeah.","start":3359.715,"end":3359.955,"sentiment":"neutral","sentiment_score":0.09599201381206512},{"text":"I've got it in front of me right now.","start":3359.955,"end":3361.395,"sentiment":"neutral","sentiment_score":0.17838470306661394},{"text":"So as soon as I get your email, I'll send it through.","start":3361.395,"end":3366.4,"sentiment":"neutral","sentiment_score":0.16744307149201632},{"text":"Yes.","start":3368.3,"end":3368.6199,"sentiment":"neutral","sentiment_score":0.040744848549366},{"text":"I do.","start":3368.6199,"end":3369.02,"sentiment":"neutral","sentiment_score":0.04251653701066971}],"sentiment":"neutral","sentiment_score":0.15346196487545968,"num_words":25,"start":3359.715,"end":3369.02},{"sentences":[{"text":"Give me one second.","start":3369.02,"end":3370.0,"sentiment":"neutral","sentiment_score":0.032999178394675255},{"text":"Yep.","start":3375.975,"end":3376.475,"sentiment":"neutral","sentiment_score":0.09069397300481796},{"text":"Mhmm.","start":3382.695,"end":3383.195,"sentiment":"neutral","sentiment_score":0.0350051186978817},{"text":"Dot com dot a u.","start":3391.37,"end":3392.9902,"sentiment":"neutral","sentiment_score":0.008647332340478897},{"text":"Okay.","start":3405.315,"end":3405.815,"sentiment":"neutral","sentiment_score":0.02961938828229904}],"sentiment":"neutral","sentiment_score":0.027545987938841183,"num_words":12,"start":3369.02,"end":3405.815},{"sentences":[{"text":"It varies every week, honestly, because of the shift work.","start":3410.035,"end":3413.335,"sentiment":"neutral","sentiment_score":-0.044434635527431966},{"text":"Yeah.","start":3421.55,"end":3421.79,"sentiment":"neutral","sentiment_score":0.23288798332214355},{"text":"That would be good.","start":3421.79,"end":3422.77,"sentiment":"positive","sentiment_score":0.5256873518228531},{"text":"Awesome.","start":3430.03,"end":3430.51,"sentiment":"positive","sentiment_score":0.7003014087677002},{"text":"Thank you so much.","start":3430.51,"end":3431.343,"sentiment":"positive","sentiment_score":0.7948997020721436}],"sentiment":"neutral","sentiment_score":0.28855956261977556,"num_words":20,"start":3410.035,"end":3431.343},{"sentences":[{"text":"Thank you.","start":3433.983,"end":3434.543,"sentiment":"positive","sentiment_score":0.6739058196544647},{"text":"Bye.","start":3434.543,"end":3435.043,"sentiment":"neutral","sentiment_score":-0.04189801961183548}],"sentiment":"positive","sentiment_score":0.43530453989903134,"num_words":3,"start":3433.983,"end":3435.043}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Angela speaking.\n\nChannel 0: Good afternoon, Angela. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: I'm doing fantastic. Thank you for asking. I've just got you penciled in for a bit of an initial consultation. Do you still have time?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Perfect. So before I sort of jump into it, I've had a look at the details that Brooke has sent through, and\n\nChannel 1: Mhmm.\n\nChannel 0: I just wanted to kind of go through a bit of the process with how the advice works. Have you ever\n\nChannel 1: Mhmm.\n\nChannel 0: seen a financial adviser before?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. So, basically, how it works is we go through a bit of a discovery call at the moment where we're just trying to find out what you're trying to achieve, what the scope\n\nChannel 1: Mhmm.\n\nChannel 0: of our engagement is gonna be, and then we will kind of walk you through gathering details so that we can do some research and hopefully put together a bit of a plan for you.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now what I've kind of seen so far is that you're really looking to review the insurances. Can you just tell me\n\nChannel 1: Mhmm.\n\nChannel 0: in your own words what you're hoping to get out of this process?\n\nChannel 1: But that was just a suggestion from Brooke because I've got quite a few insurances through my super.\n\nChannel 0: Yep.\n\nChannel 1: And since I've recently, like, in the last twelve months separated from my husband, she thinks that it's really valuable to, like, review those and make sure that I'm getting the correct amount of insurance in place\n\nChannel 0: Yeah. And with\n\nChannel 1: with\n\nChannel 0: the\n\nChannel 1: those.\n\nChannel 0: separation, has that involved anything to do with, like, property settlement or loans or anything like that?\n\nChannel 1: No. No. We didn't really have any assets with that between us.\n\nChannel 0: Okay. And I'm assuming that there's a lot of importance with the kids at the moment. Do you how many dependents do you have?\n\nChannel 1: Two.\n\nChannel 0: Two. Two dependents.\n\nChannel 1: Mhmm.\n\nChannel 0: Both under the age of six, I would assume, or\n\nChannel 1: Yeah. But one that's five and one that will be seven in the middle of the year.\n\nChannel 0: seven in sort of June, July,\n\nChannel 1: April. April.\n\nChannel 0: April.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Okay. So that's a good starting point to obviously talk about what your insurance needs are.\n\nChannel 1: Mhmm.\n\nChannel 0: Is there any other sort of pressing goals for the next twelve months for you?\n\nChannel 1: I'm really wanting to buy a property. I think that, that's probably further away than I would like, but that's one of the goals. And then also just, like, to improve my spending habits, like, I've always, like, I've got a very good income. I just my whole approach to, like, saving and and budgeting and stuff is that I'm really good at working out the logistics of it, but my whole behavior around it is very much, like, treat yourself.\n\nChannel 0: Okay. I'm with you. I'm with you. That's pretty sort of common for our generation. Do you mind if I just note down your date of birth, please?\n\nChannel 1: Yeah. It's the 02/22/2019\n\nChannel 0: Please?\n\nChannel 1: '93.\n\nChannel 0: Perfect. 02/22/1993. So smack bang with us millennials\n\nChannel 1: Yep.\n\nChannel 0: in our budgeting crisis earning six figures, I'm assuming.\n\nChannel 1: Yeah. I do salary sacrifice and stuff, which brings my number down on paper, but, ultimately, yeah.\n\nChannel 0: Perfect. And what's your sort of average income? Is it, like, salary, or are you on hourly rates? Or\n\nChannel 1: No. I work shift work, continue shift work, so it's different all the time.\n\nChannel 0: yep.\n\nChannel 1: I couldn't tell you the gross off the top of my head, but I bring in around between 2,300 to 3,000 every fortnight after tax.\n\nChannel 0: 3 2,300 to 3,000 fortnight, and that's take home in the hand.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. So it's terms of insurances. Do you have income protection through your super that's protecting that income? Or\n\nChannel 1: I do, but I haven't looked at it in, like, a while. Like, I probably looked at that insurance maybe two years ago. So it probably definitely needs to be updated. But I also was sort of, like, for a while, they're looking at getting a secondary, like, insurance for income protection. I don't know if you can have two policies at the same time, but just, like, outside of my super just in case anything happens, especially now that I'm a single mom.\n\nChannel 0: Yeah. Yeah. Absolutely. So a couple things that we've gotta be careful on is, like, claims definitions. So when\n\nChannel 1: Mhmm.\n\nChannel 0: you have a policy through Super, it needs to be able to meet, like, a condition of release to be paid out to you. And the definitions\n\nChannel 1: Mhmm.\n\nChannel 0: are a little bit more flexible if you get it out of pocket, But there's also kind of, like, these flexi linking policies that kind of give you a bit of both, and\n\nChannel 1: Mhmm.\n\nChannel 0: that's something that we can consider as well. When it comes to ensuring your income, usually, the maximum is 70% of your, I guess, gross income because\n\nChannel 1: Mhmm.\n\nChannel 0: it's taxable.\n\nChannel 1: See, I think mine's sitting at 65 at the moment from memory with g c balls.\n\nChannel 0: About 65%.\n\nChannel 1: Sixty five percent. Yeah. So\n\nChannel 0: K.\n\nChannel 1: I probably definitely need to look at that.\n\nChannel 0: Absolutely. Do\n\nChannel 1: Yeah. I can jump on and log in and give that to you while we're on the phone.\n\nChannel 0: great. I'll get a few sort of basic details just for our discussion because we do what's called a needs analysis, working out what you need, what are the sort of must haves versus the nice to haves, and then I can\n\nChannel 1: Mhmm.\n\nChannel 0: kind of go through a bit of research and see if we need to alter anything as\n\nChannel 1: Yeah. I think I'm in, like, a good position, like, with my income and, like, what I bring in. It's mostly just, like, I I would like to utilize all my funds and stuff a bit and, like,\n\nChannel 0: well.\n\nChannel 1: my insurances and things, like, a bit more smarter now that I'm an adult.\n\nChannel 0: Yeah. And you did mention, obviously, you've been doing a lot of the logistics on the budgeting side of things. So just while you're logging in to get those details, have you actually got a bit of a budget to paper or, like, a spreadsheet or anything like that so far?\n\nChannel 1: Yeah. I just keep it all on my phone pretty much. I just keep, like, my fortnightly. So my bills sort of get split into three, and it's like my my bills and direct debits all sort of come out of one account. And then my kid my my share of the kids expenses go into a different account that their dad also contributes to to pay for, like, their after school care fees or insurances and stuff.\n\nAnd then\n\nChannel 0: Yep.\n\nChannel 1: and then my account is split between long term savings, more flexible savings for, like, fun and things like that, and then, like, my my day to day, like, groceries and spending and stuff.\n\nChannel 0: Cool. So you do have a bit of a a fun account. And do you have anything kind of long term savings or long term fun or anything like that?\n\nChannel 1: I have a long term savings, but I very often dip into that.\n\nChannel 0: Perfect. That's that's pretty common. That's probably the most common thing that I see is people can put aside their $3.04, 500 a week, whatever it is. And then\n\nChannel 1: Mhmm.\n\nChannel 0: every so often, something comes due or they wanna go have some fun, and they're just constantly dipping into it. And then at the end of the year, it's kind of just where it was, maybe a bit less, maybe a bit more. Is that\n\nChannel 1: Yeah.\n\nChannel 0: kind of your experience? Or\n\nChannel 1: Yeah. I'm, like, putting away, like, a decent chunk every fortnight, but then, like, by the end of the fortnight, I've probably taken a couple 100 out of it. So I'm still getting\n\nChannel 0: perfect.\n\nChannel 1: ahead with savings. Like, I'm still saving. I'm just not as quickly as I could be.\n\nChannel 0: Gotcha. Do you have, like, a a set amount for the fortnightly pay you're putting in there to start with?\n\nChannel 1: I generally if I pull up my thingy here let me go look here. Yeah. So, generally, I'm putting away about a thousand dollars a fortnight into that long term savings,\n\nChannel 0: Yep.\n\nChannel 1: and that's only been over the last little while. But then that also will depend my aim is between 700 and 1,000 a fortnight, and then it just depends on if I've worked overtime or, like, what my, like, actual pay ends up being.\n\nChannel 0: Yeah. If you earn 2,300 for the fortnight, maybe it's 700. If you earn the full 3\n\nChannel 1: Yep.\n\nChannel 0: thousand, maybe you can put away a thousand.\n\nChannel 1: Yep. And then I generally put, like, $300 into my, like, more flexible savings. So that's, like, if I wanna go out and do stuff with the kids or if I need to go, like, shopping money or beauty money or whatever. And then, like, yeah, I've got my grocery money and, like, you know, spending day to day, like,\n\nChannel 0: Okay.\n\nChannel 1: food and\n\nChannel 0: So\n\nChannel 1: whatever.\n\nChannel 0: like you said, the logistics have been broken up pretty detailed. Obviously, you've got your different expense accounts and making it work with the\n\nChannel 1: Yeah.\n\nChannel 0: kids and bit of savings, bit of fun. So that's pretty easy for me to work out a bit of proportion to sort of see what percentage is spending\n\nChannel 1: Yep.\n\nChannel 0: on expenses versus\n\nChannel 1: Mhmm.\n\nChannel 0: fund versus savings. What do you find is the most consistent issue that you run into or having to dip into it? Is it just something pops up that you wanna go and do, or where do you find that that occurs?\n\nChannel 1: Yeah. I just think that, like, with my fund saving, I like, I don't know if I'm, like, managing that super well because I've got, like, things that I'm, like, I wanna do on the fortnight, but then I've also got fun things that I wanna, like, maybe, like, a holiday or something that I wanna say about within a year.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm sort of keeping that all in one account. So then when I'm, like, through the fortnight as I'm going, if I go shopping and I need to buy something or I'm taking it out of that account and then I don't have anything, like, long term saved up. So then if something pops up, I then take it out of my other savings account.\n\nChannel 0: Yes.\n\nChannel 1: So I think I'm maybe like, I know that my spending needs to be refined a little bit, and I'm working on that. I've been tracking my spending every week and then monthly with my, like, banking app, and I keep a I keep a log of it. And I've been doing that for the last maybe two or three months just to see, like, where my money is actually going, where I'm doing the most spending, and then, like, setting goals to try and, like, like, bring that number down a little bit and just be, like, a bit more mindful of it.\n\nChannel 0: I think that's probably my biggest tip at the to begin with is just making sure you split the short term fund versus long term fund because that's where\n\nChannel 1: Yeah.\n\nChannel 0: everybody runs into that trouble is they kind of there's always something popping up. And then when\n\nChannel 1: Yep.\n\nChannel 0: it comes time for that long term thing, they're dipping into savings instead. And it's\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: And\n\nChannel 0: saying,\n\nChannel 1: that's exactly\n\nChannel 0: okay.\n\nChannel 1: what I find is happening.\n\nChannel 0: Yeah. My my wife was the exact same way. Like, we've been together for almost twelve years now, and we spent, I think, the first five or six just working on, like, budgeting and things like that. And\n\nChannel 1: Yep.\n\nChannel 0: she was the same way. Like, if it was there, she would there would be something that popped up to spend it on\n\nChannel 1: Yep.\n\nChannel 0: because she works at\n\nChannel 1: Yep.\n\nChannel 0: Meijer. She gets staff discounts, so she's going, okay. Well, there's this I wanna get for the kids or for myself or for you,\n\nChannel 1: Mhmm.\n\nChannel 0: and there was always something to do. But then if we wanted to go to a concert or overseas, we had never built up that amount, if that makes sense.\n\nChannel 1: Yep. Yeah. It does. That's exactly what I feel. So I'm like, you know, I'd love to be able to take the the kids on a holiday, and in theory, I have the money to be able to do that.\n\nBut because every fortnight, it's just sort of, like, being chipped away at on other things, it never builds up to the point where I'm able to, you know, like, dedicate that chunk of money.\n\nChannel 0: Yeah. So I think that's where the discipline comes in of just saying, okay. I wanna have maybe a 100 a fortnight for incidentals and splurging, and then this\n\nChannel 1: Mhmm.\n\nChannel 0: set amount is gonna be in a completely different account that's just building up towards a specific goal, holiday, whatever\n\nChannel 1: Yep.\n\nChannel 0: it was, and then just adjust it every month or two.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: So I would definitely break that up into two. That'll be sort of first port of call. Is there anything in particular that you're sort of trying to build towards now for the next year, three years or so?\n\nChannel 1: So, like, the big one is, like, moving. So I currently live with my parents, and I want to be able to buy. But if that's not, like, something that I'm able to do within the next twelve months, then I will be moving into a rental anyway. So just sort of, like, having some money there as, like, an emergency fund so that, you know, I can move. And and then there's also, like, a little bit of fallback money so that if anything were to happen, like, I would be like, I would have some savings there.\n\nSo that's what I'm working on is, like, having that emergency savings and then also moving. And then short term,\n\nChannel 0: Yeah.\n\nChannel 1: I would love to be able to do, like, one, like, domestic holiday year with the kids. Nothing too crazy, nothing too expensive. And then, yeah, that's just, like like more more regular things. Like, I would like to be able to, you know, do my Botox every six months or and, you know,\n\nChannel 0: Yep.\n\nChannel 1: that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know?\n\nChannel 0: So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out.\n\nChannel 1: Know? Mhmm.\n\nChannel 0: The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time. So what\n\nChannel 1: K.\n\nChannel 0: I mean by that is if we have a specific goal of let's try and put away this much for a full twelve months and make sure that stays as savings, we start\n\nChannel 1: Yep.\n\nChannel 0: there, and then we start to refine, okay, as we're now consistently doing this, what can we hit when? And that will give you a gauge to say, okay. I really need to take that holiday. I really need to have the bond saved up for the rent. And then you go, okay.\n\nI've got the money aside for not. You can\n\nChannel 1: Mhmm.\n\nChannel 0: push the goals forward or back a year or two, that kind of thing. So the very first twelve months is always just build the consistent habits and then refine, okay, what can we actually achieve in the five year time span, if\n\nChannel 1: Yep.\n\nChannel 0: that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So if you don't mind me asking, how much have you currently got in savings at the moment?\n\nChannel 1: I've got about $2 in savings at the moment.\n\nChannel 0: $2. Yeah. Perfect. And so in order to do, for example, the Botox, the bonds, obviously, the house deposit, that's a little bit bigger than bond for a rental. So that kind of comes a bit first and a bit of an emergency fund.\n\nIf we keep it at that consistent, say, 700 a fortnight, that's pure savings. Would you say that's reasonable?\n\nChannel 1: Yeah. Yeah. That's easy.\n\nChannel 0: Cool. Okay. So we'll\n\nChannel 1: At the\n\nChannel 0: put\n\nChannel 1: moment,\n\nChannel 0: that in.\n\nChannel 1: anyway, when I move, it might change. So but for the next six months, that's definitely doable.\n\nChannel 0: And that's the thing too is as you move into a rental or purchase a home, you have to consistently kind of readjust the budget. So for now, let's just work on again habits for the time being and then\n\nChannel 1: Mhmm.\n\nChannel 0: building\n\nChannel 1: Yep.\n\nChannel 0: up that deposit.\n\nChannel 1: Yep.\n\nChannel 0: So have you looked at the the rentals recently to see kind of how much of a bond you need to save up or anything like that?\n\nChannel 1: Yeah. I've got a bit of an idea. So I think I can afford up to I mean, ideally, I don't want to pay\n\nChannel 0: Yep.\n\nChannel 1: 700 a week for somewhere, but I could I could get somewhere for about $6.50 to 700 a week rental wise in the area that I want. So I would need, you know, like, a few grand saved up.\n\nChannel 0: Yep. And is there a pretty big need to move out of the parents with with the kids and everything that you've you've kind of stuck to a twelve month time limit?\n\nChannel 1: It's not clear at the moment. Where my mom is is the lease is up for renewal in, you know, May, June. And so it'll just depend on, like, what happens with the rental then, like, with the lease. If they get extended, then great. I'll reevaluate.\n\nBut if they don't, then, you know, my parents have a plan to move elsewhere, and then I'll, you know, find my own place. So it's sort of I'm aiming I'm planning as if it's you know, I'm going to have to move just because then that motivates me a little bit more.\n\nChannel 0: Yeah.\n\nChannel 1: But there's there's no, like, set necessarily, like, set time frame. It's sort of just like, I need to have it saved and ready to go if needed in May\n\nChannel 0: Perfect. So May year or May year?\n\nChannel 1: this year.\n\nChannel 0: This year. Okay. Perfect. So we do need to pump a little bit of savings in there for the next couple of months to make sure the bond is secured\n\nChannel 1: Yes.\n\nChannel 0: at the very least. And then after that, it's kind of saying, okay. Can we build up that 15 to 20,000 a year into savings towards the house deposit? That kind of\n\nChannel 1: Yeah.\n\nChannel 0: thing. Does that sound fair enough?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Yep. Perfect. So I'll put in the savings goals for the time being. One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is\n\nChannel 1: Mhmm.\n\nChannel 0: kind of like consumer protections. It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as well.\n\nChannel 1: K.\n\nChannel 0: Perfect. How did you go with your q super login, if you don't mind me asking?\n\nChannel 1: Yeah. I've just logged in here. I don't know how to interpret this stuff. It's, like, death covers down. So it's, like, amount of cover and units and then premium.\n\nI don't know. Doesn't actually give me but I'm happy to give you whatever I can read here.\n\nChannel 0: Yeah. Perfect. So sometimes those government super funds, they kind of give you a total benefit that incorporates your super, and then underneath it, they kind of tell you how much is insured. Is it kind of broken into two lump sum amounts for death cover or\n\nChannel 1: Mhmm. So on what I can see here, it's amount of cover is four units at 500,000.\n\nChannel 0: just one? Yep.\n\nChannel 1: And then it just says death cover premiums $4.87 per week.\n\nChannel 0: K. So we've got $4.87 per week, and we've got four units, 500,000. That's okay. Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults. You haven't actually changed it yourself before, have you?\n\nLike, increased or decreased the cover?\n\nChannel 1: Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I took a significant pay increase. So I went back I made sure I went in and updated all of that then.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: quite a while\n\nChannel 0: Is\n\nChannel 1: ago.\n\nChannel 0: the TPD the exact same? Four units, 500,000 similar\n\nChannel 1: So TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week.\n\nChannel 0: premium. $30.35 per week.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So it's significantly higher than the life insurance. Usually, they're a little bit closer than that. So\n\nChannel 1: Okay.\n\nChannel 0: just under $5 a week for the life insurance, but $30 a week for the TPD,\n\nChannel 1: Mhmm.\n\nChannel 0: which is coming out to about 1,500 for the TPD, a little bit less for the life insurance. Right? So we got a couple of grand coming out there in premiums. So it's definitely been increased, that's for sure, from the default, which would normally\n\nChannel 1: Yep.\n\nChannel 0: be under a thousand bucks.\n\nChannel 1: Okay.\n\nChannel 0: What about the income protection?\n\nChannel 1: Yeah. So income protection, amount of cover, 12.3 units of 6,150 per month.\n\nChannel 0: 150 per month.\n\nChannel 1: Benefit period is two years. Waiting period is sixty days, And income protection cover premium is $19.31 a week.\n\nChannel 0: Okay. Seems a little bit high for your age. Not gonna lie because just under $3,000 for insurance coming out of the super. Working back your income before, it does seem like you're pretty close that kind of $100,000 mark, which would net\n\nChannel 1: Yes.\n\nChannel 0: you around about oh, pay calculator says 2,900 a fortnight in hand,\n\nChannel 1: Mhmm.\n\nChannel 0: so we're getting pretty close to that mark.\n\nChannel 1: Yep.\n\nChannel 0: What I need to sort of be careful on is let's say you have a $100,000 income. Are you doing any, like, employer matching schemes through work for your contributions, or\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: So\n\nChannel 0: they just\n\nChannel 1: I\n\nChannel 0: paying\n\nChannel 1: work\n\nChannel 0: that\n\nChannel 1: at Queensland\n\nChannel 0: standard?\n\nChannel 1: Health. So they've got a if I do 5%, they do 12 and a half percent.\n\nChannel 0: Yep. And you're doing that currently?\n\nChannel 1: Yep.\n\nChannel 0: And 5%. Now the little bit of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions. Do you know specifically if you signed that form or you told your payroll to salary sacrifice?\n\nChannel 1: Yes. Good question. I I think I just signed the form. But it's been\n\nChannel 0: Yep.\n\nChannel 1: I've worked for Queensland office so long, and I've changed it a couple of times. So I'm I'm not actually confident.\n\nChannel 0: That's okay. Would it be possible at some point to get maybe just a a one off payslip so I can have a look at how\n\nChannel 1: I could pull that up for\n\nChannel 0: it's\n\nChannel 1: you right now.\n\nChannel 0: broken down. Cool. Because the way they do it on that form, and it was the strangest thing when I found it out about five years ago, was that form automatically puts those extra contributions in as\n\nChannel 1: Mhmm.\n\nChannel 0: post tax as non\n\nChannel 1: Mhmm.\n\nChannel 0: concessional. Whereas in order to do it pretax and salary sacrifice, you actually have to basically tell payroll to do a salary\n\nChannel 1: Yes.\n\nChannel 0: sacrifice. So 99 out of a 100 Queensland Health employees are doing the nontax deductible version of it.\n\nChannel 1: I have a feeling I did set it up as salary sacrifice, but when I got my novated lease, I think I maybe changed it.\n\nChannel 0: Oh, okay.\n\nChannel 1: I'm just logging in on here. Alright. It takes, like, eight different authentication pages to log in.\n\nChannel 0: Oh, that's always fun. What I was sort of just working out in the background is that when you have, let's say, an income of a 100,000, if you're getting that standard 12% in your contributions, which you're obviously getting the full kind of seventeen, seventeen and a half, is\n\nChannel 1: Mhmm.\n\nChannel 0: what proportion of that is actually going out in premiums and fees just to make\n\nChannel 1: Mhmm.\n\nChannel 0: sure that that's not chopping out 30 to 40% of your contributions just for insurance premiums.\n\nChannel 1: Okay.\n\nChannel 0: It's kind of how I work out a bit of an affordability flag there.\n\nChannel 1: Yeah. And, honestly, it's like I've never really thought about it because I'm like, I don't even see it. I don't even look at I look at my how much super I've got maybe once a year just to be like, oh, yeah. Look at tracking. Otherwise, I don't really, like, look too much into it.\n\nI wouldn't know.\n\nChannel 0: How much is it sitting out currently as of today\n\nChannel 1: My super.\n\nChannel 0: in terms of just daily balance?\n\nChannel 1: I have got a 143,792 thousand. Yeah. 143,792.\n\nChannel 0: Perfect. Okay. So overall, you have\n\nChannel 1: Pretty good.\n\nChannel 0: a really good amount of cover and a really good\n\nChannel 1: Yeah.\n\nChannel 0: balance for your age.\n\nChannel 1: Yeah.\n\nChannel 0: The good thing there is you can basically you're doing those extra contributions through work. That'll get you really far really quickly. At a certain\n\nChannel 1: Mhmm.\n\nChannel 0: point, you can basically turn those off, and the growth will be able to carry it from that, say, once you've got $3,400,000, it'll actually carry just from growth up to that, you know, million million and a half mark by retirement. So you're kind of ahead for your age, if that makes\n\nChannel 1: Yep.\n\nChannel 0: sense.\n\nChannel 1: Yeah. I kinda wanted to do it that way because I'm I'm like I don't know. I just because I know I'm so shit with savings. I'm like, I just wanted to put myself in a really good position. Like, that's, like, the one thing I could do to make sure that I'm doing something\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: Perfect.\n\nChannel 1: bit more\n\nChannel 0: And\n\nChannel 1: long term.\n\nChannel 0: do you have a I know it's decades away, but do you have a preference for wanting to retire earlier, or you just sort of go a bit more slow and steady and and keep going? Because it's a bit of a split in the country when I ask that question. Where do\n\nChannel 1: Yeah.\n\nChannel 0: you lean?\n\nChannel 1: Look. I don't have a particular preference. I would like to retire some not, like, super early, but, like, early enough to be able to enjoy a retirement. But I just wanna be prepared. Like, I've seen both my parents, but my dad had to medically retire quite young.\n\nAnd then my mom\n\nChannel 0: Right.\n\nChannel 1: is, you know, like, sort of looking down that pathway as well of having to medically retire. So I'm like, I just wanna be prepared for you know, you never know what's gonna happen.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: And the\n\nChannel 0: And\n\nChannel 1: pension\n\nChannel 0: having\n\nChannel 1: the\n\nChannel 0: enough\n\nChannel 1: pension\n\nChannel 0: there\n\nChannel 1: is not great.\n\nChannel 0: no. It's not fun. I know I think COVID was probably the roughest period for people having to line up at Centrelink\n\nChannel 1: Yeah.\n\nChannel 0: to try and get appointments and then come\n\nChannel 1: Mhmm.\n\nChannel 0: back for the appointment, and they're just constantly at that office driving three or four times just to get one thing sorted. It's probably\n\nChannel 1: Yeah.\n\nChannel 0: a bit easier for us to try and become self funded by doing a couple of things in our thirties, so we don't have to worry\n\nChannel 1: Yeah. I've got my pay slip up, and it looks\n\nChannel 0: about\n\nChannel 1: like it's just coming out before tax.\n\nChannel 0: that before tax. So it's actually called, like, salary\n\nChannel 1: Sorry.\n\nChannel 0: sacrifice\n\nChannel 1: No.\n\nChannel 0: or\n\nChannel 1: It's coming out after. That's my bad.\n\nChannel 0: after tax. K. If you're comfortable with it because you are on six figures, one of my recommendations might be to convert that to tax deductible just so you get a little bit extra out of it.\n\nChannel 1: Yep. I can do that today when I go into work.\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: then\n\nChannel 1: thought\n\nChannel 0: what'll\n\nChannel 1: that I had\n\nChannel 0: happen?\n\nChannel 1: set it up and I haven't checked it. So\n\nChannel 0: That'll actually minimize the impact when you take home pay by doing it pretax\n\nChannel 1: mhmm.\n\nChannel 0: as well. So, hopefully, that'll help towards the the budgeting side as well.\n\nChannel 1: Yep.\n\nChannel 0: Because I'm thinking there, that's what 5,000 a year coming out of the 5% mark around about. And then\n\nChannel 1: Mhmm.\n\nChannel 0: if you do that pretax, 70¢ on the dollar, yeah, it should save you an extra 1,000 to 1,500 a year take home pay impact, which that can\n\nChannel 1: Yeah.\n\nChannel 0: obviously\n\nChannel 1: Correct.\n\nChannel 0: go towards your goals.\n\nChannel 1: Cool.\n\nChannel 0: Alright. So when I put together, like, an advice document, I'm going to be just noting down the the current contribution structure, recommending to update that. If you have done that in between, that's fine, but I just need to show, I guess, the what it was like and what we're recommending you to switch to.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now when it comes to that income protection you noted before, you noted\n\nChannel 1: Mhmm.\n\nChannel 0: a two year benefit period, sixty day waiting period.\n\nChannel 1: Mhmm.\n\nChannel 0: I just wanted to gauge it with you in terms of preferences there because whenever I do insurance reviews, we can basically compare all the insurers in the market, see who's coming out the best. Sixty\n\nChannel 1: Mhmm.\n\nChannel 0: days, is that too short, too long? Can you last two months before getting income payments just based on your savings at the moment, or what would be your preference, sir?\n\nChannel 1: Going off of my savings at the moment, there's no way that I could last sixty days.\n\nChannel 0: Yep. And\n\nChannel 1: That's\n\nChannel 0: you don't\n\nChannel 1: sort\n\nChannel 0: have\n\nChannel 1: of\n\nChannel 0: heaps\n\nChannel 1: like\n\nChannel 0: of\n\nChannel 1: the\n\nChannel 0: leaves\n\nChannel 1: the\n\nChannel 0: built\n\nChannel 1: goal\n\nChannel 0: up\n\nChannel 1: would\n\nChannel 0: or anything?\n\nChannel 1: be yeah. No. Not well, I mean, I've got that, like, little bit sitting there, but if I have to move and something was to happen in the next month or two, then, yeah, definitely not. I wouldn't be I wouldn't be in a good position to be able to wait that long.\n\nChannel 0: Perfect. So what that kind of cuts out as an option is, let's say, we extended your waiting period from sixty days all the way up to ninety days, so you had to wait three months to get payments. That makes it a lot more affordable, but then you've gotta be able to handle yourself for three months without that\n\nChannel 1: Yeah.\n\nChannel 0: additional income coming through. So that to me just says that's off the table straight away, whereas\n\nChannel 1: Uh-huh.\n\nChannel 0: we've gotta find other ways to kind of reduce the cost a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Now do you want me to look at a bit of a quote for maybe a thirty day wait, which is pretty standard, or\n\nChannel 1: Yeah.\n\nChannel 0: do you want\n\nChannel 1: That would\n\nChannel 0: me to\n\nChannel 1: be\n\nChannel 0: keep\n\nChannel 1: better.\n\nChannel 0: it towards the 60? Okay.\n\nChannel 1: Yeah. So it's 30 for the meantime, and then if it can change, like, in six months to a year's time, then change it, like,\n\nChannel 0: Yeah.\n\nChannel 1: as as things improve. I've only really started cracking down on all my financial stuff in the last, like, three months anyway.\n\nChannel 0: Yeah. And that's one of the things too is whenever you, I guess, reduce the benefit, it's very easy to reduce cover, cancel cover, extend out waiting periods. It's really just a letter to the insurer, and then that can be applied pretty well straight away. Anytime you\n\nChannel 1: Okay.\n\nChannel 0: increase something, then you've gotta go through applications, medical underwriting, and so forth. And it's much easier to drop it down than just consistently increasing it, if that makes\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: sense. So I'll do the quotes for thirty days and sixty days just to see what it looks like. And\n\nChannel 1: Mhmm.\n\nChannel 0: if I can get you, like, an affordable thirty days, we'll go for that as well. That way,\n\nChannel 1: Okay.\n\nChannel 0: even if it's just for a year or so, that'll get you through. And then once you've got that savings built, we can extend it to sixty. But then I'm also mindful of things like if you've spent it as a house deposit, if you consistently don't have that emergency fund available, you may need to\n\nChannel 1: Yep.\n\nChannel 0: keep it going for a little while.\n\nChannel 1: Yep.\n\nChannel 0: K? When it comes to benefit period, so what I'm sort of thinking here is you've got two years as a benefit period. That's, I guess, the the minimum. It goes\n\nChannel 1: Mhmm.\n\nChannel 0: two years, five years, all the way up to the age of 65. That's usually pretty incumbent on what you do for your duties. Can I just\n\nChannel 1: Yep.\n\nChannel 0: ask in Queensland Health, are you just fully office based? Are you doing nursing? What what's your role?\n\nChannel 1: No. I'm in a I'm in a pretty high, like, high risk category. QSuper have put my occupational rating at high risk because I'm in an acute mental health ward\n\nChannel 0: Okay.\n\nChannel 1: on the on the floor with patients. There's, like, a high risk of occupational violence and harm.\n\nChannel 0: Oh, joy. Okay. So what would your what would your title be? Sorry.\n\nChannel 1: I'm an advanced peer worker.\n\nChannel 0: Advanced peer worker,\n\nChannel 1: Yeah. So it's not quite\n\nChannel 0: was\n\nChannel 1: nursing. It's more like a combination of support\n\nChannel 0: it?\n\nChannel 1: work and allied health.\n\nChannel 0: Ensure support work and allied health. Less to do with the nursing side. Is there any, like, qualifications that go along with that in terms of degrees and diplomas that relate?\n\nChannel 1: Yeah. I've got a set full for the role, but I'm also at university studying a degree studying a bachelor's.\n\nChannel 0: Yep. Okay. And is a bachelor in, like, nursing or or support?\n\nChannel 1: It's in occupational therapy.\n\nChannel 0: Occupational therapy. Fantastic. Is that a long term goal to start one of those occupational therapy businesses through\n\nChannel 1: Yeah.\n\nChannel 0: NDIS\n\nChannel 1: So\n\nChannel 0: or\n\nChannel 1: in\n\nChannel 0: something?\n\nChannel 1: the\n\nChannel 0: Or\n\nChannel 1: yeah. So in the next twelve months, I'm hoping to do half of where I'm at and do a couple of days a week as, like, support work through NDIS just to sort of get some experience and get my foot in the door. And then once I finish my degree, I haven't decided yet if I'll go through NDIS or stay with Queensland Health. But, yeah, the goal is that I'll I'll switch from being a peer worker to an\n\nChannel 0: Fantastic. So you've got a full career trajectory for the next few years and a lot to work on in terms of the studying and work placements\n\nChannel 1: OT.\n\nChannel 0: and role changes\n\nChannel 1: Yeah.\n\nChannel 0: and employer changes. You definitely have\n\nChannel 1: Yeah.\n\nChannel 0: a lot going on. That's for\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: sure. So what I'll do, I'm just noting down a few things there. Queensland Health is the employer.\n\nChannel 1: Mhmm.\n\nChannel 0: And, again, you're right. The acute mental health board, that puts you in a a decently risky kind of category.\n\nChannel 1: Yeah.\n\nChannel 0: So we may need to just do some basic adjustments there. And one of the things too is when you go through the advice process, so we need to make sure that we note down your goals and see if we can leave you in a better position towards meeting those goals. If I\n\nChannel 1: Yep.\n\nChannel 0: can't actually get you anything better than what you have, I'll basically just give you some general advice and say, look.\n\nChannel 1: Okay.\n\nChannel 0: I couldn't find a better strategy or a better product, but what you can do is x, y, and zed, and then it'll pretty much be, I guess, complimentary at that point.\n\nChannel 1: Okay.\n\nChannel 0: Now if we do find a more suitable policy, we do actually get paid through, like, a commission structure where all the insurers pay the first year's premiums, 66\n\nChannel 1: Okay.\n\nChannel 0: percent to advisers, and that kind of funds insurance advice. If you would like us to give, for example, superannuation advice, we can also give advice towards what to invest in, and that's charged as a separate percentage based fee to implement the advice if that makes sense.\n\nChannel 1: Okay. Okay. Yeah. Makes sense.\n\nChannel 0: K? At this point, I'm really just gonna do the insurance review for the time being. Do you want me to look at the investments as well and kind of tie them both in together? What's your preference?\n\nChannel 1: I'm pretty happy. My investments at the moment, I've just got everything invested in, like, an aggressive account with QSuper.\n\nChannel 0: Oh,\n\nChannel 1: Like, they're\n\nChannel 0: fantastic.\n\nChannel 1: standard. Because I'm, like, I'm young and I've got forever to go when you know? I've I've seen, like, quite good results from that in the last, like, few years that it's been set that way.\n\nChannel 0: Brilliant.\n\nChannel 1: So I'm pretty happy with that. Yeah.\n\nChannel 0: And if you don't mind me asking, Angela, what actually made you jump in and do that? Did you just one day say, I'm gonna look at my finances and how to play around with this? Or\n\nChannel 1: I think from memory, this was a very long time ago, but we had a QSuper, like, rep come around to work when I was working a different role Yeah. And was sort of like, you know, like, these are some things to think about. These are some services we can offer. They offer, like, financial advice through them as well, and it just sort of, like, prompted me to think about it. And then I've just been doing, like, my own sort of research since just, like, listening to podcasts and stuff.\n\nI do eventually want to\n\nChannel 0: Cool.\n\nChannel 1: be able to invest and, like, have some savings, like, invest that way because I've never really been interested in, like, investing in property. Like, I would rather have a house and then have, like, an investment portfolio of, like, shares and stocks separately. I've just never\n\nChannel 0: Okay.\n\nChannel 1: really been in a position, like, where I've felt like I could do that yet.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: that's\n\nChannel 1: that's definitely,\n\nChannel 0: really\n\nChannel 1: like,\n\nChannel 0: fascinating.\n\nChannel 1: one of the goals down the line. That's, like, a five years type looking into.\n\nChannel 0: Yeah. So get the house first, get established, and then once you've got a bit more spare cash flow and capital\n\nChannel 1: Yep.\n\nChannel 0: behind you, go into some personal investing. And, again,\n\nChannel 1: Yep.\n\nChannel 0: preference is to stay away from the properties.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And that's awesome. I'm seeing that a lot more with our generation, of course, is property is pretty easy to roll into. You pay down\n\nChannel 1: Mhmm.\n\nChannel 0: a mortgage, you borrow off of it and get the next property and so forth. But I'm seeing a lot\n\nChannel 1: Yes.\n\nChannel 0: of people going into shares, crypto, ETFs, and\n\nChannel 1: Mhmm.\n\nChannel 0: also seeing just a lot less headaches that way as well.\n\nChannel 1: Yeah. Like, the whole idea of, like, having a portfolio of, like, investment properties does not appeal to me. It just actually makes me feel stressed.\n\nChannel 0: And to be\n\nChannel 1: Affordable.\n\nChannel 0: honest, take it from someone who invests in a little bit of everything, it is quite it's quite a lot. And if you don't have the the time to deal with it, sometimes it's easy to have something just build up in the background.\n\nChannel 1: Yeah. Yeah. I just wanna, like, forget about it and have it that's why I like what my suit is doing because I'm like, I don't I just set it as high growth, and I don't think about it until tax time where I go check, make sure that I'm still just increasing the amount, and I move on with my day.\n\nChannel 0: Perfect.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: that's\n\nChannel 0: that's\n\nChannel 1: just\n\nChannel 0: one\n\nChannel 1: new\n\nChannel 0: thing that\n\nChannel 1: one.\n\nChannel 0: I'll kind of give you as a bit of a tip too is superannuation is essentially just a bit of a tax haven bubble around investment platforms. And you can\n\nChannel 1: Mhmm.\n\nChannel 0: do a very similar, if not identical thing, personally, when the time comes to invest\n\nChannel 1: Mhmm.\n\nChannel 0: in almost the same stuff that your super does.\n\nChannel 1: Yep.\n\nChannel 0: And then, again, you can change it between, you know, your aggressive high growth. You can keep it a bit more balanced if you wanna access the funds a little bit earlier, and\n\nChannel 1: Mhmm.\n\nChannel 0: you get access to all of those different options and shares and manage funds and things like that.\n\nChannel 1: Yeah. So I guess you could say that my, like, personal got my rank my financial goals for the next twelve months is about, like, financial stability and just, like, putting down those foundations. And then from there, it will be more about, like, thinking a bit more, like, long term savings and investing.\n\nChannel 0: Yeah. Perfect. So we'll start off with getting a handle on the budgeting for the first twelve months, moving into either rental or purchasing a property over that sort of zero to three years. And then once you're all established and some equity is built up and you've got some savings behind you, then branch into some investing.\n\nChannel 1: Yep.\n\nChannel 0: Brilliant. I love it. It's our generation seems to be the most, I guess, engaged with their finances as opposed I\n\nChannel 1: Yeah.\n\nChannel 0: don't know if your parents were the same way, but they kind of\n\nChannel 1: No.\n\nChannel 0: went paycheck to paycheck until they hit fifty, sixty and went, oh, haven't really got much to show for it. And then\n\nChannel 1: Yeah.\n\nChannel 0: we're trying to avoid falling into the same traps.\n\nChannel 1: Yeah. Yeah. I've got all the right motivation and all the right knowledge. It's just a matter of, like, actually acting on that and sticking with it\n\nChannel 0: Yeah.\n\nChannel 1: is the difficulty.\n\nChannel 0: And look, it don't beat beat yourself up because it does take a lot of time to build those habits, and it's never just a linear pathway. You just consistently go from year one to 10. I'm gonna go from here to there. It's gonna be up, down, around, around, and life tends to throw a few things at you as well. No doubt you've probably seen.\n\nChannel 1: Yeah.\n\nChannel 0: Now just while I'm looking at it as well,\n\nChannel 1: Mhmm.\n\nChannel 0: so just to kind of cap off the the superannuation side of it, if you've already got your q super in the high\n\nChannel 1: Mhmm.\n\nChannel 0: growth investment, it's consistently doing just above that 10% mark. So that's\n\nChannel 1: Yep.\n\nChannel 0: kind of what you're aiming for when you're looking for high growth or above is consistent double digit. Now, yes, you can get twelve, thirteen, 14% throughout the industry. It's available. But as long as you're hitting that nine to 10, you're pretty well on track in combination\n\nChannel 1: Yep.\n\nChannel 0: with your extra contribution. So that's going to really get you there very quickly.\n\nChannel 1: Yep. Cool.\n\nChannel 0: So I pretty much wouldn't change anything there if that makes sense.\n\nChannel 1: Yeah. No. I'm happy with it too.\n\nChannel 0: Beautiful. The last one I wanted to just ask you, so when it comes to, like, the life and disability insurance, I'm trying to gauge whether you do have, when it said four units of 500,000, it's telling me you've got $2,000,000 worth of cover.\n\nChannel 1: Okay.\n\nChannel 0: Now that might be why you're paying $3 a year because that TBD for a couple million dollars may be $30 a week. If it was $30 a week for 500,000, that would be quite extreme. But then\n\nChannel 1: Mhmm.\n\nChannel 0: again, with your occupation rating, that might be the reasoning too. So I\n\nChannel 1: Yeah.\n\nChannel 0: will just kind of double check the amounts there. If you can send through a statement, that would be fantastic.\n\nChannel 1: Yeah. We can do that.\n\nChannel 0: Now when it comes to the amount that you actually need, though so you don't have the house yet.\n\nChannel 1: No.\n\nChannel 0: Do you know kind of the purchase price of the ones that you would like to get in\n\nChannel 1: No. I've only just, like, really started exploring that with Brooke because\n\nChannel 0: to?\n\nChannel 1: I'm buying on my own and my, like, my savings and stuff are quite low. There's actually there's just, like, zero chance I'm gonna be able to buy on the Gold Coast at the moment with what I've got. I really need to bump up my savings to even get a foot in the door. I would like to be able to buy between 700 and 700 and 50,000, like, a two bedroom\n\nChannel 0: Yep.\n\nChannel 1: place.\n\nChannel 0: Yep.\n\nChannel 1: But that being the goal, that's, like, that's, like, a couple of years away. That's not gonna happen within the next, you know, twelve months. It's probably more likely I'm gonna have to save really aggressively for the next little while and then move into a rental and then just continue to chip away as best I can.\n\nChannel 0: That's kind of what I was gonna say because I went through with a lot of staff members and even myself personally, everyone getting their first homes over the last five to six years. And\n\nChannel 1: Mhmm.\n\nChannel 0: when I first started, we were looking in Pimpama and Coomera. And\n\nChannel 1: Yep. That's where I live\n\nChannel 0: Probably,\n\nChannel 1: now.\n\nChannel 0: it was. 350, 400,000. And now, like you're saying, there's $7,800,000 very quickly, and\n\nChannel 1: Yep.\n\nChannel 0: it'll it will need somewhat of a deposit to do it. I know there are a lot of first home assistance and grants and things like that, so Brooke will be the best person there. But if\n\nChannel 1: Yeah.\n\nChannel 0: hopefully, if you can get it within, say, twenty four to thirty six months,\n\nChannel 1: Mhmm.\n\nChannel 0: definitely seems achievable. But, again, on the one income, a little bit rough, but two bedroom to start with sounds pretty good to\n\nChannel 1: Yeah. I've not got high hopes. That's for sure. But, you know, just a foot in the door is, you know, all I'm really after. I'm not not too fussy.\n\nChannel 0: me. Yeah. And it's one of those things too. Some people that I know have started with, like, a townhouse, and then just after a couple of years, it's gone up in value, and they've been able to borrow into a larger home and\n\nChannel 1: Yes.\n\nChannel 0: possibly have the you know, rent out the current one or sell it off, whatever your preference is, and just take a couple of steps on the ladder to get to that\n\nChannel 1: Yeah.\n\nChannel 0: actual decent home.\n\nChannel 1: Yep.\n\nChannel 0: If it's any consolation, I actually quit searching in Pimpama and moved up more towards Logan for the first house, and\n\nChannel 1: Mhmm.\n\nChannel 0: that that trimmed a couple 100,000 off, but it wasn't fun living there for a few years. And\n\nChannel 1: No. And it's hard because we're at work. Like, I've thought about that too, like, moving further up. But while I'm working at the Robina Hospital and at uni in Coolingatta, like, it just makes things so hard.\n\nChannel 0: Yeah. And no one wants to sit on the m one for an hour to an hour and a half every morning\n\nChannel 1: Yeah.\n\nChannel 0: just to\n\nChannel 1: God,\n\nChannel 0: get\n\nChannel 1: ma'am.\n\nChannel 0: to work.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Perfect. One last one I was gonna ask you, Angela, is just to do with the estate side of things and the cover that you don't have. So\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection. But there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can\n\nChannel 1: Mhmm.\n\nChannel 0: only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or additional\n\nChannel 1: No. It's\n\nChannel 0: insurances out of pocket.\n\nChannel 1: not even really something I thought about.\n\nChannel 0: No. That's totally fair. I just have to bring it up as an option because there are four cover types. It's just that's the one that probably suits you the least at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: Then with the estate planning side of things, so you do have the two children. Have you got your beneficiaries organized through the super? Because that links to the life insurance.\n\nChannel 1: I did it while I was still married.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, it's set up that my my husband gets 80% and then the kids get a a 10% each that'll be put away.\n\nChannel 0: Yep.\n\nChannel 1: And, I mean, reasonably, I'm happy to keep it at that because if something were to happen to me, he would have to be the whole he would be the the parent. So I'm happy for him\n\nChannel 0: Yeah.\n\nChannel 1: to receive that still to go towards the care of the kids and stuff.\n\nChannel 0: Because as a guardian, he would receive the funds anyway or be in control of the funds if\n\nChannel 1: Yeah.\n\nChannel 0: even if you left them to the children as well. So that makes sense.\n\nChannel 1: Yeah. And I trust him. He's he's pretty responsible and pretty reasonable in that. Like, I don't have to worry that he's gonna be inappropriate with them or anything like that. So I feel pretty confident\n\nChannel 0: Okay.\n\nChannel 1: that that's set up well for us.\n\nChannel 0: Alright. The only option I was gonna sort of bring to the table is you can do things like a testamentary trust wills. So if you put in place a will, you can direct your super life insurance in there, and then it creates a trust fund when you pass.\n\nChannel 1: Okay.\n\nChannel 0: And then you can be a bit more specific in how that's distributed out to the kids, whether it's, you know, an income for them to to live on until they're 18 before they receive a lump sum. So it's a bit more flexible that way. But if you trust him, you know, happy to abide by your wishes. Just wanted to broach that as an option.\n\nChannel 1: Yeah. No. I'm pretty happy because I think it'll more it'll if it they if anything would've happened to me, like, now ish while they're still quite little, it would all be very reasonable to go towards, like, the care of the kids until they're 18 or whatever. And then, you know,\n\nChannel 0: Yeah.\n\nChannel 1: if there is anything left over, then great. But I, you know, I wouldn't expect that that there would be, you know, like, a lump sum to give them or anything. It's purely just to make sure that he's not burdened if anything would happen to me. So then I have to become the sole carer.\n\nChannel 0: Perfect. And there's no other assets to to worry about. It's just the sort of the super and the savings is the main two at the moment?\n\nChannel 1: Yeah. I bought my car, which is a novated lease, and he, you know, he bought out he bought out half of one of our other cars that I own, so he has that, but everything else is, you know, fine.\n\nChannel 0: Yeah. Do you mind if I just note down a bit of a an approximate sale value for the car? I know it is linked to an evaded lease, but do you know the approximate value for\n\nChannel 1: No idea.\n\nChannel 0: it? Yeah. That's\n\nChannel 1: No\n\nChannel 0: okay.\n\nChannel 1: idea. It's a 2024 Mitsubishi Eclipse Cross. I think it's something like 24,000 something at the moment, maybe, if I had to guess.\n\nChannel 0: Yep. That's easy enough. Again, we don't need to factor in selling your car to your financial plan, but it just counts as an asset.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: No other shares or crypto or anything floating around?\n\nChannel 1: No. God. That's so confusing.\n\nChannel 0: Totally fair. And so at the moment, what I wanted to ask you as well is just on your documentation through QSuper. So you've gone through a separation. I did notice your name came through as Boyle, but your email's under Watson. I was just\n\nChannel 1: Yeah.\n\nChannel 0: double\n\nChannel 1: So\n\nChannel 0: checking.\n\nChannel 1: Watson Watson's the married name,\n\nChannel 0: Yep.\n\nChannel 1: and Boyle's my maiden name. I just haven't changed my license back to Boyle or anything yet, but I for most things, I go by Boyle.\n\nChannel 0: Perfect.\n\nChannel 1: It's\n\nChannel 0: So your\n\nChannel 1: just\n\nChannel 0: ID\n\nChannel 1: my\n\nChannel 0: would\n\nChannel 1: license.\n\nChannel 0: be under Watson, though.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: K. And what is your super reflect? Is that under Watson as well?\n\nChannel 1: It's under Boyle. Everything through work, even my novaited lease is Boyle because I never changed my surname with work. Just the, like, confidentiality, it just made it easy to have a different surname.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So that's all oil.\n\nChannel 0: Okay. And you are going through the process of, I guess, reverting everything back to to boil over time?\n\nChannel 1: Yeah. I'm just really lazy with it.\n\nChannel 0: Oh, it's probably not the most fun thing to be spending your weekend or weekdays doing when you do get a bit of time\n\nChannel 1: No.\n\nChannel 0: with two\n\nChannel 1: And\n\nChannel 0: kids\n\nChannel 1: we\n\nChannel 0: going\n\nChannel 1: were\n\nChannel 0: on.\n\nChannel 1: married\n\nChannel 0: Let me make\n\nChannel 1: for\n\nChannel 0: sure I update.\n\nChannel 1: I was gonna say we were only married for, like, not quite three years, so I feel like I only just changed it all over us. I'm like, I'm really just not driven\n\nChannel 0: Yeah. No. Totally fair. And would you who would you put down as kind of, like, an emergency contact or next of kin? Because, obviously, it's you and the kids.\n\nChannel 1: to do\n\nChannel 0: Would\n\nChannel 1: it. Yep.\n\nChannel 0: you put your partner down, sibling, parents?\n\nChannel 1: No. I probably put my mom.\n\nChannel 0: Yep. Alright. So as we get through towards the end of the process, we may actually put down her details as emergency contact.\n\nChannel 1: Yep.\n\nChannel 0: Don't need them at this time. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: I pretty much just need to go through a couple of quick questions regarding the health side of things, if that's okay. Because I've got everything from an occupational side of things. That'll get\n\nChannel 1: Yep.\n\nChannel 0: us our occupation rating. In terms of insolvency, I'm assuming because you're working with Brooke that you've never gone through, like, a bankruptcy or debt agreement before.\n\nChannel 1: No. No. I've I've I've never really had, like, issues with debt or anything. I used to have some debt, but, like, I've managed to, like, pay it all down, and I've not opened up any new debt since because I just don't I don't really love it.\n\nChannel 0: No. That's totally fair. Do we have a current will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: Perfect. And smoking status.\n\nChannel 1: I don't smoke. Super\n\nChannel 0: Not\n\nChannel 1: asthmatic.\n\nChannel 0: smoking. Super smart. Totally fair. Now when you went through all of the applications for Qsuvie, you would have gone through the underwriting process. Did they give you any exclusions or loadings that you can recall due to previous health concerns?\n\nChannel 1: No. Not that I know of.\n\nChannel 0: K. And do you know what year you did the increase through QSuper?\n\nChannel 1: My best guess would be somewhere around 2020, 2021,\n\nChannel 0: Yep. '20\n\nChannel 1: maybe.\n\nChannel 0: '22. Rank COVID time. Sounds about right.\n\nChannel 1: About when my that one I changed jobs.\n\nChannel 0: Perfect. Okay. Change. Alright. So the last couple of questions, probably the most sensitive ones to ask,\n\nChannel 1: Okay.\n\nChannel 0: but I just need to grab a height and weight for BMI calculations, if that's\n\nChannel 1: Yeah. It's okay. I'm a hundred and fifty eight centimeters,\n\nChannel 0: okay. Yep.\n\nChannel 1: and I weigh sixty seven kilos.\n\nChannel 0: Sixty seven, and that's one fifty eight centimeters.\n\nChannel 1: Yeah. I'm tiny.\n\nChannel 0: Perfect. And is there any kind of medications or major diagnosis that you've had pretty much going back as far as you can remember that I need to factor in for I guess what we do is a bit of a field underwriting. I will call the insurers anonymously and go\n\nChannel 1: Mhmm.\n\nChannel 0: through any health concerns just to see if they would give you any exclusions or loadings or issues, and that\n\nChannel 1: Okay.\n\nChannel 0: way I can best advise who to go through.\n\nChannel 1: Okay. I've been treated for depression for for a long time, like, a long like, 2016 maybe is when\n\nChannel 0: Yep.\n\nChannel 1: I started.\n\nChannel 0: 2016. So I'm assuming it was through, like, GP to start with,\n\nChannel 1: Yeah.\n\nChannel 0: a specialist after that, or just through GP?\n\nChannel 1: GP and then the psychiatrist after, and then I haven't seen anyone in years. I could just be managed with the GP as needed.\n\nChannel 0: Perfect. So 2016 GP psychiatrist, and it's just been medicated the whole way through from, I guess, 2016 till now.\n\nChannel 1: Yep.\n\nChannel 0: And if you don't mind me asking, which medication do they have you on?\n\nChannel 1: Escitalopram, so, like, Lexapar.\n\nChannel 0: Lexapro, citalopram. Always fun trying to spell these things. K. So you got that. And do you know how many times you would have seen the psychiatrist originally?\n\nWas it all just in 2016 a few times, or was it over the span of a few years?\n\nChannel 1: No. It was just a few times in 2016, like, maybe over a period of twelve months, and then it's, like, been fine since\n\nChannel 0: It's really interesting. So whenever it comes to, like, mental health, the insurance companies are pretty kind of backwards with it, where at the\n\nChannel 1: yeah.\n\nChannel 0: moment there's any kind of, like, you've been diagnosed with this and you're medicated and treated, they basically go, boom, there's an exclusion for mental health.\n\nChannel 1: Yeah.\n\nChannel 0: Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see. So\n\nChannel 1: Yeah.\n\nChannel 0: they're actually gonna flip that. But for the time being, it still leads to all of these exclusions. So I'm\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: That's\n\nChannel 0: gonna\n\nChannel 1: good.\n\nChannel 0: be very wary on, okay. I'm not gonna recommend you switch to another insurer if all of a sudden that leads to you having exclusion that you don't currently have.\n\nChannel 1: Yeah. It's difficult too because it's something that it's a part of my employment. Like, I work in a field that uses lived experience of mental health as part of my job. So I\n\nChannel 0: Yeah.\n\nChannel 1: can't even, like, pretend that it doesn't exist. It's\n\nChannel 0: Exactly\n\nChannel 1: literally on my\n\nChannel 0: right.\n\nChannel 1: face.\n\nChannel 0: Was there anything else that you've been sort of hospitalized for? Any other diagnoses that I need to sort of run by them?\n\nChannel 1: The only other thing I could think of was is that I had a weight loss surgery two years ago, so my health has actually improved since then.\n\nChannel 0: Yeah. Right. Fantastic. You sure I may ask you which surgery was that?\n\nChannel 1: On a gastric sleeve.\n\nChannel 0: Gastric sleeve. Oh, wow. Fantastic. Gastric sleeve. And that was just did you pay out of pocket for that one?\n\nOr\n\nChannel 1: Through my private health insurance.\n\nChannel 0: private health. Fantastic. If you don't mind me asking, they always ask any significant weight loss in the last twelve to twenty four months.\n\nChannel 1: Mhmm.\n\nChannel 0: How many kilos were you able to drop since you had it?\n\nChannel 1: 40.\n\nChannel 0: Four.\n\nChannel 1: 40.\n\nChannel 0: 40. Oh my god. That is amazing. Congratulations.\n\nChannel 1: Thank you.\n\nChannel 0: That's pretty cool. I had a a friend, really dear friend of mine who he just hit the sort of two hundred kilo mark and he got the sleeve done, and he just couldn't break below a 100. He got himself down to, like, one ten over a few\n\nChannel 1: Yeah.\n\nChannel 0: years,\n\nChannel 1: Right.\n\nChannel 0: but just never got to break the 100, and he always wanted to. But, again,\n\nChannel 1: Yep.\n\nChannel 0: eighty, ninety kilos was still pretty good and definitely\n\nChannel 1: Pretty incredible.\n\nChannel 0: saved his\n\nChannel 1: Yeah.\n\nChannel 0: health. Absolutely.\n\nChannel 1: And, like, I I actually had a bit of an opposite problem. I got to a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort\n\nChannel 0: Bump\n\nChannel 1: of maintain\n\nChannel 0: it up a little bit. Yep.\n\nChannel 1: yeah. Yep. A healthy, not too low of a weight, which is such a crazy thing to have to do when you are used to being overweight.\n\nChannel 0: Yeah. So what I'm sort of leaning towards, Angela, is when we look at the the cover that you've got in QSuper is you have a heap of insurances that you're currently paying for, like, a a decent amount that you're paying for.\n\nChannel 1: Mhmm.\n\nChannel 0: Part of that price is because you've of your occupation, of course, and you don't currently have that large liability. You don't have the mortgage yet. So\n\nChannel 1: Mhmm.\n\nChannel 0: the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit? Like, if your super can\n\nChannel 1: No.\n\nChannel 0: handle it and it's growing fantastically,\n\nChannel 1: I'd be happy to just leave it because, honestly, the less amount of paperwork and remembering I have to do down the line, the better.\n\nChannel 0: Absolutely. So the really, the the main thing is just trying to maybe jiggle around the income protection a little bit. And\n\nChannel 1: Mhmm.\n\nChannel 0: one thing that you can kind of lean towards is once you've got that degree finished and if you do move to being an occupational therapist, you're going to be improving your occupation rating. You'll be degree qualified, still hopefully on six figures, and\n\nChannel 1: Mhmm.\n\nChannel 0: slightly less risk, I guess they call it. I mean, it's kind of like going from a five to a four, but still technically less risk. So one thing that you should pretty much do is once you do get into that field and you finish your degree is even just call QSuper or whichever insurer you're with and just update your occupation with them. Because if they can give you a better rating, they'll actually just apply it to your policy and drop\n\nChannel 1: Yep.\n\nChannel 0: your premiums down.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Cool. Because at the moment, it seems like you can afford to have that much life and disability. The only issue I've got is the income protection's got a sixty day wait, which\n\nChannel 1: Yeah.\n\nChannel 0: then you can't really last that long. But if you bump it to thirty days now, that's gonna jump the price up as well.\n\nChannel 1: Yep.\n\nChannel 0: So I'll get a bit of a quote done just to see what it may look like. And I when I get that statement through from you, I just wanna double check if there's any loadings or anything applied to the policy. Because\n\nChannel 1: Mhmm.\n\nChannel 0: if you put that in place back in 2020, 2021, maybe there will be some loading that you can review and get removed to reduce the price as well.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So I have thrown quite a bit of information at you so far. Any burning questions coming up so far for you?\n\nChannel 1: Nope. All good.\n\nChannel 0: Awesome, Angela. So what I'll basically do from here is I'm gonna get the team to email you through our financial services guide. If\n\nChannel 1: Mhmm.\n\nChannel 0: you could just respond with your q super statement so I can double check\n\nChannel 1: Yep.\n\nChannel 0: some of these details. I will pretty much do some underwriting research and some quotes for you, and then they'll get you booked back in for a bit of a a follow-up with me. And if there's something\n\nChannel 1: Yep.\n\nChannel 0: we can do, we'll put together a plan. If not, I'll give you a few tips and ideas.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Awesome. Any last questions for me before I let you go?\n\nChannel 1: No. All good.\n\nChannel 0: Well, Angela, it was lovely meeting you today. I've got everything that I need, so I'm gonna go dive into it. Are you okay to email back through that statement possibly this week for a bit\n\nChannel 1: Yeah.\n\nChannel 0: of a follow-up\n\nChannel 1: I've got it in\n\nChannel 0: for\n\nChannel 1: front\n\nChannel 0: the\n\nChannel 1: of me\n\nChannel 0: end of\n\nChannel 1: right now. So as\n\nChannel 0: ah,\n\nChannel 1: soon as\n\nChannel 0: beautiful.\n\nChannel 1: I get your email, I'll send it\n\nChannel 0: Do you have a pen and paper\n\nChannel 1: through.\n\nChannel 0: handy by chance?\n\nChannel 1: Yes. I do. Give me one second. Yep.\n\nChannel 0: Cool. So the best email address is info, so I n f o, and then\n\nChannel 1: Mhmm.\n\nChannel 0: it's literally @oakviewfinancial.com.au. So I know it's a bit of a long one.\n\nChannel 1: Dot com dot a u.\n\nChannel 0: Correct. And then the team will send you through our both of our guides, bit of info about us. And what I might do as well is I probably need around about a week to do the research. Is\n\nChannel 1: Okay.\n\nChannel 0: there sort of best times and days to contact you?\n\nChannel 1: It varies every week, honestly, because of the shift work.\n\nChannel 0: Yep. So once we get the the statement and do our research, do you want the team to just give you a bit of a text and an email just to organize a time with you?\n\nChannel 1: Yeah. That would be good.\n\nChannel 0: Fantastic. Awesome. Well, thank you so much for your time today. I will leave you to it, and we will be in touch next week.\n\nChannel 1: Awesome. Thank you so much.\n\nChannel 0: Thanks, Angela. Have a fantastic day.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.36,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03923800960183144},{"text":"Angela speaking.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.04285797104239464}],"sentiment":"neutral","sentiment_score":0.04165131722887357,"channel":1,"num_words":3,"start":1.36,"end":2.5},{"sentences":[{"text":"Good afternoon, Angela.","start":3.84,"end":4.96,"sentiment":"neutral","sentiment_score":0.31346964836120605},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.96,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.18791890144348145},{"text":"How are you doing?","start":6.8799996,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.1742994673550129}],"sentiment":"neutral","sentiment_score":0.2109313660434314,"channel":0,"num_words":14,"start":3.84,"end":7.7799997},{"sentences":[{"text":"I'm good.","start":7.9199996,"end":8.4,"sentiment":"positive","sentiment_score":0.4189092814922333},{"text":"Thank you.","start":8.4,"end":8.72,"sentiment":"positive","sentiment_score":0.5869847238063812},{"text":"How are you?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.3017137249310811}],"sentiment":"positive","sentiment_score":0.41670416934149607,"channel":1,"num_words":7,"start":7.9199996,"end":9.54},{"sentences":[{"text":"I'm doing fantastic.","start":9.679999,"end":10.82,"sentiment":"positive","sentiment_score":0.7076822717984518},{"text":"Thank you for asking.","start":10.96,"end":11.94,"sentiment":"positive","sentiment_score":0.6887863278388977},{"text":"I've just got you penciled in for a bit of an initial consultation.","start":12.495,"end":15.555,"sentiment":"neutral","sentiment_score":0.19463193875092727},{"text":"Do you still have time?","start":15.615,"end":16.755001,"sentiment":"neutral","sentiment_score":0.06051308736205101}],"sentiment":"neutral","sentiment_score":0.3084389106929302,"channel":0,"num_words":25,"start":9.679999,"end":16.755001},{"sentences":[{"text":"Yeah.","start":17.045,"end":17.365,"sentiment":"neutral","sentiment_score":0.1198500394821167},{"text":"That's fine.","start":17.365,"end":18.185,"sentiment":"neutral","sentiment_score":0.23751194030046463}],"sentiment":"neutral","sentiment_score":0.19829130669434866,"channel":1,"num_words":3,"start":17.045,"end":18.185},{"sentences":[{"text":"Perfect.","start":18.575,"end":18.975,"sentiment":"positive","sentiment_score":0.527091383934021},{"text":"Perfect.","start":18.975,"end":19.375,"sentiment":"positive","sentiment_score":0.36107754707336426},{"text":"So before I sort of jump into it, I've had a look at the details that Brooke has sent through, and","start":19.375,"end":24.494999,"sentiment":"neutral","sentiment_score":0.09410266542718523}],"sentiment":"neutral","sentiment_score":0.12453586543383806,"channel":0,"num_words":23,"start":18.575,"end":24.494999},{"sentences":[{"text":"Mhmm.","start":24.404999,"end":24.904999,"sentiment":"neutral","sentiment_score":0.05430151522159576}],"sentiment":"neutral","sentiment_score":0.05430151522159576,"channel":1,"num_words":1,"start":24.404999,"end":24.904999},{"sentences":[{"text":"I just wanted to kind of go through a bit of the process with how the advice works.","start":24.494999,"end":29.26,"sentiment":"neutral","sentiment_score":0.06891603105598026},{"text":"Have you 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before?","start":29.82,"end":31.6,"sentiment":"neutral","sentiment_score":-0.002130589261651039}],"sentiment":"neutral","sentiment_score":-0.002130589261651039,"channel":0,"num_words":5,"start":29.82,"end":31.6},{"sentences":[{"text":"No.","start":32.16,"end":32.56,"sentiment":"neutral","sentiment_score":-0.07149557769298553},{"text":"No.","start":32.56,"end":33.06,"sentiment":"neutral","sentiment_score":-0.07208149880170822}],"sentiment":"neutral","sentiment_score":-0.07178853824734688,"channel":1,"num_words":2,"start":32.16,"end":33.06},{"sentences":[{"text":"No.","start":33.18,"end":33.66,"sentiment":"neutral","sentiment_score":-0.0469495952129364},{"text":"Perfect.","start":33.66,"end":34.14,"sentiment":"neutral","sentiment_score":0.08945323526859283},{"text":"So, basically, how it works is we go through a bit of a discovery call at the moment where we're just trying to find out what you're trying to achieve, what the scope","start":34.14,"end":42.155003,"sentiment":"neutral","sentiment_score":0.07976080725590388}],"sentiment":"neutral","sentiment_score":0.0764174365571567,"channel":0,"num_words":35,"start":33.18,"end":42.155003},{"sentences":[{"text":"Mhmm.","start":42.08,"end":42.58,"sentiment":"neutral","sentiment_score":0.03810609132051468}],"sentiment":"neutral","sentiment_score":0.03810609132051468,"channel":1,"num_words":1,"start":42.08,"end":42.58},{"sentences":[{"text":"of our engagement is gonna be, and then we will kind of walk you through gathering details so that we can do some research and hopefully put together a bit of a plan for 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me","start":59.010002,"end":59.81,"sentiment":"neutral","sentiment_score":-0.0022383213043212892}],"sentiment":"neutral","sentiment_score":0.03849631701798543,"channel":0,"num_words":23,"start":52.875,"end":59.81},{"sentences":[{"text":"Mhmm.","start":59.67,"end":60.17,"sentiment":"neutral","sentiment_score":0.003294185735285282}],"sentiment":"neutral","sentiment_score":0.003294185735285282,"channel":1,"num_words":1,"start":59.67,"end":60.17},{"sentences":[{"text":"in your own words what you're hoping to get out of this process?","start":59.81,"end":62.550003,"sentiment":"neutral","sentiment_score":0.0004157246663593329}],"sentiment":"neutral","sentiment_score":0.0004157246663593329,"channel":0,"num_words":13,"start":59.81,"end":62.550003},{"sentences":[{"text":"But that was just a suggestion from Brooke because I've got quite a few insurances through my 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so?","start":682.66003,"end":687.96,"sentiment":"neutral","sentiment_score":0.22506778077645737}],"sentiment":"neutral","sentiment_score":0.2647127348643083,"channel":0,"num_words":39,"start":678.285,"end":687.96},{"sentences":[{"text":"So, like, the big one is, like, moving.","start":689.04504,"end":691.56,"sentiment":"neutral","sentiment_score":0.13014073763042688},{"text":"So I currently live with my parents, and I want to be able to buy.","start":691.62,"end":695.06,"sentiment":"neutral","sentiment_score":0.16909356514612833},{"text":"But if that's not, like, something that I'm able to do within the next twelve months, then I will be moving into a rental anyway.","start":695.06,"end":701.94,"sentiment":"neutral","sentiment_score":0.10324532926082611},{"text":"So just sort of, like, having some money there as, like, an emergency fund so that, you know, I can move.","start":701.94,"end":707.28503,"sentiment":"neutral","sentiment_score":0.22578459410440355},{"text":"And and then there's also, like, a little bit of fallback money so that if anything were to happen, like, I would be like, I would have some savings there.","start":707.745,"end":714.705,"sentiment":"neutral","sentiment_score":0.24030191401640574}],"sentiment":"neutral","sentiment_score":0.18292117683273373,"channel":1,"num_words":99,"start":689.04504,"end":714.705},{"sentences":[{"text":"So that's what I'm working on is, like, having that emergency savings and then also moving.","start":714.705,"end":719.60504,"sentiment":"positive","sentiment_score":0.3513776622712612},{"text":"And then short term,","start":719.87,"end":721.25,"sentiment":"neutral","sentiment_score":0.17183854803442955}],"sentiment":"neutral","sentiment_score":0.3154698394238949,"channel":1,"num_words":20,"start":714.705,"end":721.25},{"sentences":[{"text":"Yeah.","start":720.78503,"end":721.28503,"sentiment":"positive","sentiment_score":0.48880961537361145}],"sentiment":"positive","sentiment_score":0.48880961537361145,"channel":0,"num_words":1,"start":720.78503,"end":721.28503},{"sentences":[{"text":"I would love to be able to do, like, one, like, domestic holiday year with the kids.","start":721.94995,"end":727.25,"sentiment":"positive","sentiment_score":0.679441090892343},{"text":"Nothing too crazy, nothing too expensive.","start":728.02997,"end":730.20996,"sentiment":"positive","sentiment_score":0.514243021607399},{"text":"And then, yeah, that's just, like like more more regular things.","start":731.79,"end":735.40497,"sentiment":"positive","sentiment_score":0.41166159781542694},{"text":"Like, I would like to be able to, you know, do my Botox every six months or and, you know,","start":735.40497,"end":740.285,"sentiment":"positive","sentiment_score":0.3543532356619835}],"sentiment":"positive","sentiment_score":0.4861351660004369,"channel":1,"num_words":54,"start":721.94995,"end":740.285},{"sentences":[{"text":"Yep.","start":740.18,"end":740.68,"sentiment":"neutral","sentiment_score":0.052791938185691833}],"sentiment":"neutral","sentiment_score":0.052791938185691833,"channel":0,"num_words":1,"start":740.18,"end":740.68},{"sentences":[{"text":"that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know?","start":740.285,"end":747.75,"sentiment":"neutral","sentiment_score":-0.24863657163035485}],"sentiment":"neutral","sentiment_score":-0.24863657163035485,"channel":1,"num_words":31,"start":740.285,"end":747.75},{"sentences":[{"text":"So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out.","start":751.395,"end":761.68,"sentiment":"neutral","sentiment_score":0.14781933106683395}],"sentiment":"neutral","sentiment_score":0.14781933106683395,"channel":0,"num_words":37,"start":751.395,"end":761.68},{"sentences":[{"text":"Know?","start":761.59,"end":761.99,"sentiment":"neutral","sentiment_score":0.06749129295349121},{"text":"Mhmm.","start":761.99,"end":762.49,"sentiment":"neutral","sentiment_score":0.0583263486623764}],"sentiment":"neutral","sentiment_score":0.06290882080793381,"channel":1,"num_words":2,"start":761.59,"end":762.49},{"sentences":[{"text":"The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time.","start":762.22,"end":771.58,"sentiment":"neutral","sentiment_score":0.14302625613553183},{"text":"So 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does.","start":967.69,"end":968.43,"sentiment":"positive","sentiment_score":0.3344067931175232}],"sentiment":"neutral","sentiment_score":0.30678518613179523,"channel":1,"num_words":3,"start":967.37,"end":968.43},{"sentences":[{"text":"Yep.","start":968.745,"end":969.225,"sentiment":"positive","sentiment_score":0.4433712363243103},{"text":"Perfect.","start":969.225,"end":969.725,"sentiment":"positive","sentiment_score":0.7468011379241943},{"text":"So I'll put in the savings goals for the time being.","start":969.865,"end":972.685,"sentiment":"positive","sentiment_score":0.4846850877458399},{"text":"One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is","start":973.065,"end":980.62,"sentiment":"neutral","sentiment_score":0.19586746513843536}],"sentiment":"neutral","sentiment_score":0.3004840781029902,"channel":0,"num_words":38,"start":968.745,"end":980.62},{"sentences":[{"text":"Mhmm.","start":980.185,"end":980.685,"sentiment":"neutral","sentiment_score":0.08419612050056458}],"sentiment":"neutral","sentiment_score":0.08419612050056458,"channel":1,"num_words":1,"start":980.185,"end":980.685},{"sentences":[{"text":"kind of like consumer protections.","start":980.76,"end":982.36005,"sentiment":"neutral","sentiment_score":0.0704229235649109},{"text":"It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as 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asking?","start":998.105,"end":1001.565,"sentiment":"neutral","sentiment_score":0.07157800967494647}],"sentiment":"neutral","sentiment_score":0.08198042283765972,"channel":0,"num_words":16,"start":997.305,"end":1001.565},{"sentences":[{"text":"Yeah.","start":1001.655,"end":1001.815,"sentiment":"neutral","sentiment_score":0.04051756858825683},{"text":"I've just logged in here.","start":1001.815,"end":1002.695,"sentiment":"neutral","sentiment_score":0.02641516886651516},{"text":"I don't know how to interpret this stuff.","start":1002.695,"end":1004.615,"sentiment":"neutral","sentiment_score":-0.0435407527256757},{"text":"It's, like, death covers down.","start":1004.615,"end":1006.615,"sentiment":"neutral","sentiment_score":-0.0077817777171731},{"text":"So it's, like, amount of cover and units and then premium.","start":1006.615,"end":1009.355,"sentiment":"neutral","sentiment_score":0.015837649391456085}],"sentiment":"neutral","sentiment_score":-0.0013475784721473853,"channel":1,"num_words":30,"start":1001.655,"end":1009.355},{"sentences":[{"text":"I don't know.","start":1009.495,"end":1010.22,"sentiment":"neutral","sentiment_score":-0.015584850683808327},{"text":"Doesn't actually give me but I'm happy to give you whatever I can read here.","start":1010.3,"end":1014.95996,"sentiment":"neutral","sentiment_score":0.21917153894901276}],"sentiment":"neutral","sentiment_score":0.18004547401020923,"channel":1,"num_words":18,"start":1009.495,"end":1014.95996},{"sentences":[{"text":"Yeah.","start":1015.32,"end":1015.64,"sentiment":"neutral","sentiment_score":0.1815708577632904},{"text":"Perfect.","start":1015.64,"end":1016.04004,"sentiment":"neutral","sentiment_score":0.2545194625854492},{"text":"So sometimes those government super funds, they kind of give you a total benefit that incorporates your super, and then underneath it, they kind of tell you how much is insured.","start":1016.04004,"end":1025.985,"sentiment":"neutral","sentiment_score":0.14354860350008933},{"text":"Is it kind of broken into two lump sum amounts for death cover or","start":1026.205,"end":1030.08,"sentiment":"neutral","sentiment_score":0.06986115420503276}],"sentiment":"neutral","sentiment_score":0.12476921676004187,"channel":0,"num_words":47,"start":1015.32,"end":1030.08},{"sentences":[{"text":"Mhmm.","start":1030.5549,"end":1031.0549,"sentiment":"neutral","sentiment_score":0.0442563071846962},{"text":"So on what I can see here, it's amount of cover is four units at 500,000.","start":1031.275,"end":1036.975,"sentiment":"neutral","sentiment_score":0.041803393978625536}],"sentiment":"neutral","sentiment_score":0.04194768299074734,"channel":1,"num_words":17,"start":1030.5549,"end":1036.975},{"sentences":[{"text":"just 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okay.","start":1052.615,"end":1053.1749,"sentiment":"neutral","sentiment_score":0.18113227933645248},{"text":"Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults.","start":1053.1749,"end":1057.495,"sentiment":"neutral","sentiment_score":0.10288670063018798},{"text":"You haven't actually changed it yourself before, have you?","start":1057.495,"end":1060.46,"sentiment":"neutral","sentiment_score":0.011123015648788877}],"sentiment":"neutral","sentiment_score":0.07052422361448407,"channel":0,"num_words":44,"start":1044.64,"end":1060.46},{"sentences":[{"text":"Like, increased or decreased the cover?","start":1060.46,"end":1062.5599,"sentiment":"neutral","sentiment_score":-0.02366098016500473}],"sentiment":"neutral","sentiment_score":-0.02366098016500473,"channel":0,"num_words":6,"start":1060.46,"end":1062.5599},{"sentences":[{"text":"Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I 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TPD,","start":1107.845,"end":1111.945,"sentiment":"neutral","sentiment_score":0.05254996404983103}],"sentiment":"neutral","sentiment_score":0.05254996404983103,"channel":0,"num_words":16,"start":1107.845,"end":1111.945},{"sentences":[{"text":"Mhmm.","start":1112.7151,"end":1113.2151,"sentiment":"neutral","sentiment_score":0.022240832448005676}],"sentiment":"neutral","sentiment_score":0.022240832448005676,"channel":1,"num_words":1,"start":1112.7151,"end":1113.2151},{"sentences":[{"text":"which is coming out to about 1,500 for the TPD, a little bit less for the life insurance.","start":1114.085,"end":1120.17,"sentiment":"neutral","sentiment_score":-0.02551756109298569},{"text":"Right?","start":1120.17,"end":1120.33,"sentiment":"neutral","sentiment_score":0.05449213087558746},{"text":"So we got a couple of grand coming out there in premiums.","start":1120.33,"end":1122.65,"sentiment":"neutral","sentiment_score":0.21695218918224177},{"text":"So it's definitely been increased, that's for sure, from the default, which would normally","start":1122.65,"end":1126.41,"sentiment":"neutral","sentiment_score":0.10433578597647804}],"sentiment":"neutral","sentiment_score":0.08131785122354308,"channel":0,"num_words":45,"start":1114.085,"end":1126.41},{"sentences":[{"text":"Yep.","start":1126.25,"end":1126.75,"sentiment":"neutral","sentiment_score":0.03239315375685692}],"sentiment":"neutral","sentiment_score":0.03239315375685692,"channel":1,"num_words":1,"start":1126.25,"end":1126.75},{"sentences":[{"text":"be under a thousand 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of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions.","start":1203.99,"end":1214.1549,"sentiment":"neutral","sentiment_score":-0.06783249327226688},{"text":"Do you know specifically if you signed that form or you told your payroll to salary sacrifice?","start":1214.7749,"end":1220.075,"sentiment":"neutral","sentiment_score":-0.050494104623794556}],"sentiment":"neutral","sentiment_score":-0.06021102606890756,"channel":0,"num_words":57,"start":1203.03,"end":1220.075},{"sentences":[{"text":"Yes.","start":1222.575,"end":1222.815,"sentiment":"neutral","sentiment_score":0.055169373750686646},{"text":"Good question.","start":1222.815,"end":1223.5549,"sentiment":"neutral","sentiment_score":0.16274257004261017},{"text":"I I think I just signed the form.","start":1224.095,"end":1228.69,"sentiment":"neutral","sentiment_score":0.08652602089568973},{"text":"But it's 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have.","start":2471.45,"end":2478.2698,"sentiment":"neutral","sentiment_score":0.10983815051328677},{"text":"So","start":2478.3298,"end":2478.8098,"sentiment":"neutral","sentiment_score":0.039540816098451614}],"sentiment":"neutral","sentiment_score":0.13659353008301095,"channel":0,"num_words":29,"start":2469.985,"end":2478.8098},{"sentences":[{"text":"Okay.","start":2478.64,"end":2478.72,"sentiment":"neutral","sentiment_score":0.038361482322216034},{"text":"Mhmm.","start":2478.72,"end":2479.22,"sentiment":"neutral","sentiment_score":0.029326988384127617}],"sentiment":"neutral","sentiment_score":0.033844235353171825,"channel":1,"num_words":2,"start":2478.64,"end":2479.22},{"sentences":[{"text":"whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection.","start":2478.8098,"end":2485.4448,"sentiment":"neutral","sentiment_score":0.01658739625579781},{"text":"But there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can","start":2485.6648,"end":2493.025,"sentiment":"neutral","sentiment_score":0.011005529149604792}],"sentiment":"neutral","sentiment_score":0.01351736934739165,"channel":0,"num_words":40,"start":2478.8098,"end":2493.025},{"sentences":[{"text":"Mhmm.","start":2492.975,"end":2493.475,"sentiment":"neutral","sentiment_score":0.0011068694293498993}],"sentiment":"neutral","sentiment_score":0.0011068694293498993,"channel":1,"num_words":1,"start":2492.975,"end":2493.475},{"sentences":[{"text":"only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or 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if","start":2558.18,"end":2563.5752,"sentiment":"neutral","sentiment_score":0.18769033667114046}],"sentiment":"neutral","sentiment_score":0.18769033667114046,"channel":0,"num_words":18,"start":2558.18,"end":2563.5752},{"sentences":[{"text":"Yeah.","start":2563.49,"end":2563.99,"sentiment":"neutral","sentiment_score":0.11438890546560287}],"sentiment":"neutral","sentiment_score":0.11438890546560287,"channel":1,"num_words":1,"start":2563.49,"end":2563.99},{"sentences":[{"text":"even if you left them to the children as well.","start":2563.695,"end":2565.615,"sentiment":"neutral","sentiment_score":0.16743946075439453},{"text":"So that makes 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confident","start":2573.3552,"end":2574.475,"sentiment":"positive","sentiment_score":0.6419191598892212}],"sentiment":"positive","sentiment_score":0.563926063477993,"channel":1,"num_words":36,"start":2566.875,"end":2574.475},{"sentences":[{"text":"Okay.","start":2574.0952,"end":2574.5952,"sentiment":"positive","sentiment_score":0.7158187627792358}],"sentiment":"positive","sentiment_score":0.7158187627792358,"channel":0,"num_words":1,"start":2574.0952,"end":2574.5952},{"sentences":[{"text":"that that's set up well for us.","start":2574.475,"end":2576.22,"sentiment":"positive","sentiment_score":0.7802867037909371}],"sentiment":"positive","sentiment_score":0.7802867037909371,"channel":1,"num_words":7,"start":2574.475,"end":2576.22},{"sentences":[{"text":"Alright.","start":2576.99,"end":2577.39,"sentiment":"positive","sentiment_score":0.3800317645072937},{"text":"The only option I was gonna sort of bring to the table is you can do things like a testamentary trust 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like, now ish while they're still quite little, it would all be very reasonable to go towards, like, the care of the kids until they're 18 or whatever.","start":2609.52,"end":2620.135,"sentiment":"neutral","sentiment_score":0.27675829941163893},{"text":"And then, you know,","start":2620.135,"end":2621.495,"sentiment":"neutral","sentiment_score":0.11447372660040855}],"sentiment":"neutral","sentiment_score":0.2599973092572047,"channel":1,"num_words":52,"start":2608.96,"end":2621.495},{"sentences":[{"text":"Yeah.","start":2621.375,"end":2621.875,"sentiment":"neutral","sentiment_score":0.2306590974330902}],"sentiment":"neutral","sentiment_score":0.2306590974330902,"channel":0,"num_words":1,"start":2621.375,"end":2621.875},{"sentences":[{"text":"if there is anything left over, then great.","start":2621.495,"end":2623.335,"sentiment":"neutral","sentiment_score":0.25860584154725075},{"text":"But I, you know, I wouldn't expect that that there would be, you know, like, a lump sum to give them or anything.","start":2623.335,"end":2628.215,"sentiment":"neutral","sentiment_score":0.16192539846119675},{"text":"It's purely just to make sure that he's not burdened if anything would happen to me.","start":2628.215,"end":2631.7,"sentiment":"neutral","sentiment_score":0.22671670373529196},{"text":"So then I have to become the sole carer.","start":2631.7,"end":2633.72,"sentiment":"neutral","sentiment_score":0.1952743778626124}],"sentiment":"neutral","sentiment_score":0.19960834924131632,"channel":1,"num_words":56,"start":2621.495,"end":2633.72},{"sentences":[{"text":"Perfect.","start":2634.2,"end":2634.52,"sentiment":"positive","sentiment_score":0.6923725605010986},{"text":"And there's no other assets to to worry about.","start":2634.52,"end":2636.3599,"sentiment":"neutral","sentiment_score":0.29383834534221226},{"text":"It's just the sort of the super and the savings is the main two at the 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a 2024 Mitsubishi Eclipse Cross.","start":2663.3599,"end":2669.025,"sentiment":"neutral","sentiment_score":-0.009863998120029768},{"text":"I think it's something like 24,000 something at the moment, maybe, if I had to guess.","start":2669.025,"end":2673.6848,"sentiment":"neutral","sentiment_score":-0.03929182351566851}],"sentiment":"neutral","sentiment_score":-0.034628447955069336,"channel":1,"num_words":23,"start":2662.7998,"end":2673.6848},{"sentences":[{"text":"Yep.","start":2673.7952,"end":2674.2952,"sentiment":"neutral","sentiment_score":0.1658758968114853},{"text":"That's easy enough.","start":2674.595,"end":2675.735,"sentiment":"neutral","sentiment_score":0.3279151916503906},{"text":"Again, we don't need to factor in selling your car to your financial plan, but it just counts as an 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QSuper.","start":2690.78,"end":2696.78,"sentiment":"neutral","sentiment_score":-0.018402319634333253},{"text":"So you've gone through a separation.","start":2696.78,"end":2698.16,"sentiment":"neutral","sentiment_score":-0.029364001626769703},{"text":"I did notice your name came through as Boyle, but your email's under Watson.","start":2698.745,"end":2703.085,"sentiment":"neutral","sentiment_score":-0.021184208004602363},{"text":"I was 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Watson's the married name,","start":2704.215,"end":2706.875,"sentiment":"neutral","sentiment_score":-0.002187088190112263}],"sentiment":"neutral","sentiment_score":-0.002187088190112263,"channel":1,"num_words":5,"start":2704.215,"end":2706.875},{"sentences":[{"text":"Yep.","start":2707.5452,"end":2708.0452,"sentiment":"neutral","sentiment_score":0.01574116386473179}],"sentiment":"neutral","sentiment_score":0.01574116386473179,"channel":0,"num_words":1,"start":2707.5452,"end":2708.0452},{"sentences":[{"text":"and Boyle's my maiden name.","start":2707.575,"end":2709.255,"sentiment":"neutral","sentiment_score":-0.0020194778218865393},{"text":"I just haven't changed my license back to Boyle or anything yet, but I for most things, I go by 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break the 100, and he always wanted to.","start":3128.57,"end":3131.45,"sentiment":"neutral","sentiment_score":-0.016784081092247598},{"text":"But, again,","start":3131.45,"end":3132.27,"sentiment":"neutral","sentiment_score":0.1327815242111683}],"sentiment":"neutral","sentiment_score":0.003157999614874522,"channel":0,"num_words":15,"start":3128.57,"end":3132.27},{"sentences":[{"text":"Yep.","start":3131.7898,"end":3132.2898,"sentiment":"neutral","sentiment_score":0.23269574344158173}],"sentiment":"neutral","sentiment_score":0.23269574344158173,"channel":1,"num_words":1,"start":3131.7898,"end":3132.2898},{"sentences":[{"text":"eighty, ninety kilos was still pretty good and definitely","start":3132.33,"end":3135.05,"sentiment":"positive","sentiment_score":0.3647022661235597}],"sentiment":"positive","sentiment_score":0.3647022661235597,"channel":0,"num_words":9,"start":3132.33,"end":3135.05},{"sentences":[{"text":"Pretty 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a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort","start":3140.5898,"end":3149.265,"sentiment":"neutral","sentiment_score":-0.1765014421608713}],"sentiment":"neutral","sentiment_score":-0.15392615077526947,"channel":1,"num_words":57,"start":3137.7898,"end":3149.265},{"sentences":[{"text":"Bump","start":3149.185,"end":3149.425,"sentiment":"neutral","sentiment_score":-0.11331719160079956}],"sentiment":"neutral","sentiment_score":-0.11331719160079956,"channel":0,"num_words":1,"start":3149.185,"end":3149.425},{"sentences":[{"text":"of maintain","start":3149.265,"end":3149.925,"sentiment":"neutral","sentiment_score":-0.174486443400383}],"sentiment":"neutral","sentiment_score":-0.174486443400383,"channel":1,"num_words":2,"start":3149.265,"end":3149.925},{"sentences":[{"text":"it up a little 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overweight.","start":3151.665,"end":3157.7,"sentiment":"neutral","sentiment_score":-0.09834366023540497}],"sentiment":"neutral","sentiment_score":-0.09045717071879793,"channel":1,"num_words":27,"start":3151.025,"end":3157.7},{"sentences":[{"text":"Yeah.","start":3158.4001,"end":3158.9001,"sentiment":"neutral","sentiment_score":-0.015211299061775208},{"text":"So what I'm sort of leaning towards, Angela, is when we look at the the cover that you've got in QSuper is you have a heap of insurances that you're currently paying for, like, a a decent amount that you're paying 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yet.","start":3180.565,"end":3181.98,"sentiment":"neutral","sentiment_score":-0.11369001244505246},{"text":"So","start":3182.3,"end":3182.8,"sentiment":"neutral","sentiment_score":-0.027542736381292343}],"sentiment":"neutral","sentiment_score":-0.0844707911213239,"channel":0,"num_words":27,"start":3173.9248,"end":3182.8},{"sentences":[{"text":"Mhmm.","start":3182.83,"end":3183.33,"sentiment":"neutral","sentiment_score":-0.018102005124092106}],"sentiment":"neutral","sentiment_score":-0.018102005124092106,"channel":1,"num_words":1,"start":3182.83,"end":3183.33},{"sentences":[{"text":"the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit?","start":3182.94,"end":3195.34,"sentiment":"neutral","sentiment_score":-0.02983707663319681},{"text":"Like, if your super 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which","start":3267.215,"end":3271.6099,"sentiment":"neutral","sentiment_score":-0.05843532749762138}],"sentiment":"neutral","sentiment_score":0.192019306038591,"channel":0,"num_words":33,"start":3261.775,"end":3271.6099},{"sentences":[{"text":"Yeah.","start":3271.51,"end":3272.01,"sentiment":"neutral","sentiment_score":-0.054671600461006165}],"sentiment":"neutral","sentiment_score":-0.054671600461006165,"channel":1,"num_words":1,"start":3271.51,"end":3272.01},{"sentences":[{"text":"then you can't really last that long.","start":3272.47,"end":3273.91,"sentiment":"neutral","sentiment_score":-0.12566242952431952},{"text":"But if you bump it to thirty days now, that's gonna jump the price up as 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you?","start":3309.435,"end":3312.2551,"sentiment":"neutral","sentiment_score":0.04475151333543989}],"sentiment":"neutral","sentiment_score":0.10839740867200105,"channel":0,"num_words":23,"start":3304.06,"end":3312.2551},{"sentences":[{"text":"Nope.","start":3312.77,"end":3313.27,"sentiment":"neutral","sentiment_score":0.061343200504779816},{"text":"All good.","start":3313.33,"end":3314.07,"sentiment":"neutral","sentiment_score":0.21598746627569199}],"sentiment":"neutral","sentiment_score":0.16443937768538794,"channel":1,"num_words":3,"start":3312.77,"end":3314.07},{"sentences":[{"text":"Awesome, Angela.","start":3314.635,"end":3315.5151,"sentiment":"positive","sentiment_score":0.43119508028030396},{"text":"So what I'll basically do from here is I'm gonna get the team to email you through our financial services 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go?","start":3343.765,"end":3345.945,"sentiment":"neutral","sentiment_score":0.2796404793858528}],"sentiment":"neutral","sentiment_score":0.31502233987504785,"channel":0,"num_words":11,"start":3343.125,"end":3345.945},{"sentences":[{"text":"No.","start":3347.19,"end":3347.51,"sentiment":"neutral","sentiment_score":-0.022924594581127167},{"text":"All good.","start":3347.51,"end":3348.17,"sentiment":"neutral","sentiment_score":0.25742364674806595}],"sentiment":"neutral","sentiment_score":0.16397423297166824,"channel":1,"num_words":3,"start":3347.19,"end":3348.17},{"sentences":[{"text":"Well, Angela, it was lovely meeting you today.","start":3348.805,"end":3351.03,"sentiment":"positive","sentiment_score":0.8004396855831146},{"text":"I've got everything that I need, so I'm gonna go dive into it.","start":3351.03,"end":3354.25,"sentiment":"positive","sentiment_score":0.6193375358214745},{"text":"Are you okay to email back through that statement possibly this week for a 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in","start":3359.955,"end":3360.5151,"sentiment":"neutral","sentiment_score":0.17177435755729675}],"sentiment":"neutral","sentiment_score":0.17177435755729675,"channel":1,"num_words":4,"start":3359.955,"end":3360.5151},{"sentences":[{"text":"for","start":3360.3901,"end":3360.6301,"sentiment":"neutral","sentiment_score":0.11873437464237212}],"sentiment":"neutral","sentiment_score":0.11873437464237212,"channel":0,"num_words":1,"start":3360.3901,"end":3360.6301},{"sentences":[{"text":"front","start":3360.5151,"end":3360.6353,"sentiment":"neutral","sentiment_score":0.17845916748046875}],"sentiment":"neutral","sentiment_score":0.17845916748046875,"channel":1,"num_words":1,"start":3360.5151,"end":3360.6353},{"sentences":[{"text":"the","start":3360.6301,"end":3360.79,"sentiment":"neutral","sentiment_score":0.19095741212368011}],"sentiment":"neutral","sentiment_score":0.19095741212368011,"channel":0,"num_words":1,"start":3360.6301,"end":3360.79},{"sentences":[{"text":"of me","start":3360.6353,"end":3360.995,"sentiment":"neutral","sentiment_score":0.1919090375304222}],"sentiment":"neutral","sentiment_score":0.1919090375304222,"channel":1,"num_words":2,"start":3360.6353,"end":3360.995},{"sentences":[{"text":"end of","start":3360.79,"end":3360.9502,"sentiment":"neutral","sentiment_score":0.15691766887903214}],"sentiment":"neutral","sentiment_score":0.15691766887903214,"channel":0,"num_words":2,"start":3360.79,"end":3360.9502},{"sentences":[{"text":"right now.","start":3360.995,"end":3361.395,"sentiment":"neutral","sentiment_score":0.17804382741451263},{"text":"So as","start":3361.395,"end":3361.98,"sentiment":"neutral","sentiment_score":0.2060811147093773}],"sentiment":"neutral","sentiment_score":0.19206247106194496,"channel":1,"num_words":4,"start":3360.995,"end":3361.98},{"sentences":[{"text":"ah,","start":3361.83,"end":3362.1501,"sentiment":"neutral","sentiment_score":0.2809837758541107}],"sentiment":"neutral","sentiment_score":0.2809837758541107,"channel":0,"num_words":1,"start":3361.83,"end":3362.1501},{"sentences":[{"text":"soon as","start":3361.98,"end":3362.18,"sentiment":"positive","sentiment_score":0.3603910505771637}],"sentiment":"positive","sentiment_score":0.3603910505771637,"channel":1,"num_words":2,"start":3361.98,"end":3362.18},{"sentences":[{"text":"beautiful.","start":3362.1501,"end":3362.625,"sentiment":"positive","sentiment_score":0.3943116068840027}],"sentiment":"positive","sentiment_score":0.3943116068840027,"channel":0,"num_words":1,"start":3362.1501,"end":3362.625},{"sentences":[{"text":"I get your email, I'll send it","start":3362.18,"end":3364.16,"sentiment":"neutral","sentiment_score":0.12112677203757423}],"sentiment":"neutral","sentiment_score":0.12112677203757423,"channel":1,"num_words":7,"start":3362.18,"end":3364.16},{"sentences":[{"text":"Do you have a pen and paper","start":3364.545,"end":3366.065,"sentiment":"neutral","sentiment_score":0.0025927992537617683}],"sentiment":"neutral","sentiment_score":0.0025927992537617683,"channel":0,"num_words":7,"start":3364.545,"end":3366.065},{"sentences":[{"text":"through.","start":3365.9,"end":3366.4,"sentiment":"neutral","sentiment_score":0.028485123068094257}],"sentiment":"neutral","sentiment_score":0.028485123068094257,"channel":1,"num_words":1,"start":3365.9,"end":3366.4},{"sentences":[{"text":"handy by chance?","start":3366.065,"end":3367.045,"sentiment":"neutral","sentiment_score":0.0245682659248511}],"sentiment":"neutral","sentiment_score":0.0245682659248511,"channel":0,"num_words":3,"start":3366.065,"end":3367.045},{"sentences":[{"text":"Yes.","start":3368.3,"end":3368.6199,"sentiment":"neutral","sentiment_score":0.040744848549366},{"text":"I do.","start":3368.6199,"end":3369.02,"sentiment":"neutral","sentiment_score":0.04251653701066971},{"text":"Give me one second.","start":3369.02,"end":3370.0,"sentiment":"neutral","sentiment_score":0.032999178394675255},{"text":"Yep.","start":3375.975,"end":3376.475,"sentiment":"neutral","sentiment_score":0.09069397300481796}],"sentiment":"neutral","sentiment_score":0.04355857614427805,"channel":1,"num_words":8,"start":3368.3,"end":3376.475},{"sentences":[{"text":"Cool.","start":3377.025,"end":3377.43,"sentiment":"neutral","sentiment_score":0.1647157520055771},{"text":"So the best email address is info, so I n f o, and then","start":3377.67,"end":3382.79,"sentiment":"neutral","sentiment_score":0.062137579678424766}],"sentiment":"neutral","sentiment_score":0.06897612450023492,"channel":0,"num_words":15,"start":3377.025,"end":3382.79},{"sentences":[{"text":"Mhmm.","start":3382.695,"end":3383.195,"sentiment":"neutral","sentiment_score":0.0350051186978817}],"sentiment":"neutral","sentiment_score":0.0350051186978817,"channel":1,"num_words":1,"start":3382.695,"end":3383.195},{"sentences":[{"text":"it's literally @oakviewfinancial.com.au.","start":3382.79,"end":3387.51,"sentiment":"neutral","sentiment_score":0.055046128729979195},{"text":"So I know it's a bit of a long one.","start":3387.51,"end":3389.77,"sentiment":"neutral","sentiment_score":0.016184140369296073}],"sentiment":"neutral","sentiment_score":0.025152291529453717,"channel":0,"num_words":13,"start":3382.79,"end":3389.77},{"sentences":[{"text":"Dot com dot a u.","start":3391.37,"end":3392.9902,"sentiment":"neutral","sentiment_score":0.008647332340478897}],"sentiment":"neutral","sentiment_score":0.008647332340478897,"channel":1,"num_words":5,"start":3391.37,"end":3392.9902},{"sentences":[{"text":"Correct.","start":3393.485,"end":3393.885,"sentiment":"neutral","sentiment_score":0.0809851735830307},{"text":"And then the team will send you through our both of our guides, bit of info about us.","start":3393.885,"end":3398.685,"sentiment":"neutral","sentiment_score":0.12433878746297625},{"text":"And what I might do as well is I probably need around about a week to do the research.","start":3398.685,"end":3404.545,"sentiment":"neutral","sentiment_score":0.04511962811413564},{"text":"Is","start":3405.085,"end":3405.325,"sentiment":"neutral","sentiment_score":0.02546178176999092}],"sentiment":"neutral","sentiment_score":0.08209789907320952,"channel":0,"num_words":39,"start":3393.485,"end":3405.325},{"sentences":[{"text":"Okay.","start":3405.315,"end":3405.815,"sentiment":"neutral","sentiment_score":0.02961938828229904}],"sentiment":"neutral","sentiment_score":0.02961938828229904,"channel":1,"num_words":1,"start":3405.315,"end":3405.815},{"sentences":[{"text":"there sort of best times and days to contact you?","start":3405.325,"end":3409.0698,"sentiment":"neutral","sentiment_score":0.0327456584200263}],"sentiment":"neutral","sentiment_score":0.0327456584200263,"channel":0,"num_words":10,"start":3405.325,"end":3409.0698},{"sentences":[{"text":"It varies every week, honestly, because of the shift work.","start":3410.035,"end":3413.335,"sentiment":"neutral","sentiment_score":-0.044434635527431966}],"sentiment":"neutral","sentiment_score":-0.044434635527431966,"channel":1,"num_words":10,"start":3410.035,"end":3413.335},{"sentences":[{"text":"Yep.","start":3413.69,"end":3414.0898,"sentiment":"neutral","sentiment_score":0.03763299807906151},{"text":"So once we get the the statement and do our research, do you want the team to just give you a bit of a text and an email just to organize a time with you?","start":3414.0898,"end":3421.195,"sentiment":"neutral","sentiment_score":0.09029928339379174}],"sentiment":"neutral","sentiment_score":0.08883633102393812,"channel":0,"num_words":36,"start":3413.69,"end":3421.195},{"sentences":[{"text":"Yeah.","start":3421.55,"end":3421.79,"sentiment":"neutral","sentiment_score":0.23288798332214355},{"text":"That would be good.","start":3421.79,"end":3422.77,"sentiment":"positive","sentiment_score":0.5256873518228531}],"sentiment":"positive","sentiment_score":0.46712747812271116,"channel":1,"num_words":5,"start":3421.55,"end":3422.77},{"sentences":[{"text":"Fantastic.","start":3423.175,"end":3423.675,"sentiment":"positive","sentiment_score":0.7805846929550171},{"text":"Awesome.","start":3424.215,"end":3424.715,"sentiment":"positive","sentiment_score":0.7414003610610962},{"text":"Well, thank you so much for your time today.","start":3424.855,"end":3426.615,"sentiment":"positive","sentiment_score":0.7825435400009155},{"text":"I will leave you to it, and we will be in touch next week.","start":3426.615,"end":3429.543,"sentiment":"positive","sentiment_score":0.5429018012114933}],"sentiment":"positive","sentiment_score":0.6466200852394104,"channel":0,"num_words":25,"start":3423.175,"end":3429.543},{"sentences":[{"text":"Awesome.","start":3430.03,"end":3430.51,"sentiment":"positive","sentiment_score":0.7003014087677002},{"text":"Thank you so much.","start":3430.51,"end":3431.343,"sentiment":"positive","sentiment_score":0.7948997020721436}],"sentiment":"positive","sentiment_score":0.7759800434112549,"channel":1,"num_words":5,"start":3430.03,"end":3431.343},{"sentences":[{"text":"Thanks, Angela.","start":3431.783,"end":3432.503,"sentiment":"positive","sentiment_score":0.7347991168498993},{"text":"Have a fantastic day.","start":3432.503,"end":3433.803,"sentiment":"positive","sentiment_score":0.7755427807569504}],"sentiment":"positive","sentiment_score":0.7619615594546,"channel":0,"num_words":6,"start":3431.783,"end":3433.803},{"sentences":[{"text":"Thank you.","start":3433.983,"end":3434.543,"sentiment":"positive","sentiment_score":0.6739058196544647},{"text":"Bye.","start":3434.543,"end":3435.043,"sentiment":"neutral","sentiment_score":-0.04189801961183548}],"sentiment":"positive","sentiment_score":0.43530453989903134,"channel":1,"num_words":3,"start":3433.983,"end":3435.043}]},"summary":{"result":"success","short":"The speaker discusses their financial goals and insurance needs with Angela, including updating their insurance and improving spending habits. They emphasize the importance of setting goals and building consistent habits to achieve savings. The speaker provides financial services guides and advises Angela on setting goals and staying in a high-risk category. They also advise Angela to update their occupation with a new insurer and suggest she can save on premiums by updating their occupation. The agent will send a financial services guide and provide a follow-up with Angela."},"intents":{"segments":[{"text":"I've just got you penciled in for a bit of an initial consultation. Do you still have time?","start_word":31,"end_word":48,"intents":[{"intent":"Schedule consultation","confidence_score":0.02329747}]},{"text":"Now what I've kind of seen so far is that you're really looking to review the insurances. Can you just tell me Mhmm. in your own words what you're hoping to get out of this process? But that was just a suggestion from Brooke because I've got quite a few insurances through my super.","start_word":178,"end_word":231,"intents":[{"intent":"Review insurances","confidence_score":0.38255072}]},{"text":"We didn't really have any assets with that between us. Okay.","start_word":295,"end_word":305,"intents":[{"intent":"Review assets","confidence_score":0.32995668}]},{"text":"Do you how many dependents do you have? Two. Two.","start_word":321,"end_word":330,"intents":[{"intent":"Inquire about dependents","confidence_score":0.057045437}]},{"text":"So that's a good starting point to obviously talk about what your insurance needs are.","start_word":373,"end_word":387,"intents":[{"intent":"Clarify insurance requirements","confidence_score":0.0018254616}]},{"text":"But I also was sort of, like, for a while, they're looking at getting a secondary, like, insurance for income protection. I don't know if you can have two policies at the same time, but just, like, outside of my super just in case anything happens, especially now that I'm a single mom. Yeah.","start_word":678,"end_word":731,"intents":[{"intent":"Evaluate policies","confidence_score":0.031265654}]},{"text":"So just while you're logging in to get those details, have you actually got a bit of a budget to paper or, like, a spreadsheet or anything like that so far? Yeah.","start_word":1028,"end_word":1059,"intents":[{"intent":"Gather information","confidence_score":0.022949072}]},{"text":"So, generally, I'm putting away about a thousand dollars a fortnight into that long term savings, Yep. and that's only been over the last little while. But then that also will depend my aim is between 700 and 1,000 a fortnight, and then it just depends on if I've worked overtime or, like, what my, like, actual pay ends up being. Yeah.","start_word":1383,"end_word":1444,"intents":[{"intent":"Provide financial guidance","confidence_score":0.00026284484}]},{"text":"So I think I'm maybe like, I know that my spending needs to be refined a little bit, and I'm working on that.","start_word":1764,"end_word":1786,"intents":[{"intent":"Refine spending habits","confidence_score":0.015905783}]},{"text":"So I'm like, you know, I'd love to be able to take the the kids on a holiday, and in theory, I have the money to be able to do that. But because every fortnight, it's just sort of, like, being chipped away at on other things, it never builds up to the point where I'm able to, you know, like, dedicate that chunk of money. Yeah.","start_word":2076,"end_word":2142,"intents":[{"intent":"Plan holiday plans","confidence_score":0.03432842}]},{"text":"that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know?","start_word":2420,"end_word":2450,"intents":[{"intent":"Add to budget","confidence_score":0.0037085605}]},{"text":"So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out. Know? Mhmm.","start_word":2450,"end_word":2488,"intents":[{"intent":"Set up roots and foundations","confidence_score":0.079183884}]},{"text":"The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time. So what K.","start_word":2489,"end_word":2526,"intents":[{"intent":"Revamp goals","confidence_score":0.00053487194}]},{"text":"I've got about $2 in savings at the moment. $2.","start_word":2690,"end_word":2699,"intents":[{"intent":"Maximize savings","confidence_score":0.055371758}]},{"text":"If we keep it at that consistent, say, 700 a fortnight, that's pure savings. Would you say that's reasonable? Yeah.","start_word":2743,"end_word":2762,"intents":[{"intent":"Keep savings consistent","confidence_score":0.03391865}]},{"text":"So but for the next six months, that's definitely doable.","start_word":2784,"end_word":2793,"intents":[{"intent":"Plan for the next six months","confidence_score":0.0112565635}]},{"text":"So for now, let's just work on again habits for the time being and then Mhmm.","start_word":2818,"end_word":2833,"intents":[{"intent":"Work on habits","confidence_score":0.43623978}]},{"text":"So have you looked at the the rentals recently to see kind of how much of a bond you need to save up or anything like that? Yeah.","start_word":2840,"end_word":2867,"intents":[{"intent":"Save money on bonds","confidence_score":0.13242798},{"intent":"Assess the cost of renting a home","confidence_score":0.000012904946}]},{"text":"Where my mom is is the lease is up for renewal in, you know, May, June. And so it'll just depend on, like, what happens with the rental then, like, with the lease.","start_word":2969,"end_word":3001,"intents":[{"intent":"Determine the lease expiration date","confidence_score":0.010586496}]},{"text":"So we do need to pump a little bit of savings in there for the next couple of months to make sure the bond is secured Yes.","start_word":3107,"end_word":3133,"intents":[{"intent":"Confirm bond security","confidence_score":0.0015770689}]},{"text":"Can we build up that 15 to 20,000 a year into savings towards the house deposit? That kind of Yeah.","start_word":3148,"end_word":3167,"intents":[{"intent":"Build savings","confidence_score":0.48550516}]},{"text":"One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is Mhmm. kind of like consumer protections. It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as well. K.","start_word":3189,"end_word":3266,"intents":[{"intent":"Send financial services guide","confidence_score":0.6409544}]},{"text":"How did you go with your q super login, if you don't mind me asking? Yeah.","start_word":3268,"end_word":3283,"intents":[{"intent":"Interpret q super login","confidence_score":0.33497196}]},{"text":"And then it just says death cover premiums $4.87 per week. K.","start_word":3398,"end_word":3409,"intents":[{"intent":"Provide death cover premiums","confidence_score":0.005560807}]},{"text":"Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults. You haven't actually changed it yourself before, have you? Like, increased or decreased the cover? Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I took a significant pay increase. So I went back I made sure I went in and updated all of that then.","start_word":3424,"end_word":3503,"intents":[{"intent":"Update defaults","confidence_score":0.22535965}]},{"text":"Four units, 500,000 similar So TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week.","start_word":3517,"end_word":3537,"intents":[{"intent":"Inquire about tpd value","confidence_score":0.000090042115},{"intent":"Assert tpd value","confidence_score":0.000013735733}]},{"text":"Four units, 500,000 similar So TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week. premium.","start_word":3517,"end_word":3538,"intents":[{"intent":"Mention tpd premiums","confidence_score":0.0004612999}]},{"text":"What about the income protection? Yeah.","start_word":3631,"end_word":3636,"intents":[{"intent":"Discuss income protection","confidence_score":0.18909061}]},{"text":"What I need to sort of be careful on is let's say you have a $100,000 income. Are you doing any, like, employer matching schemes through work for your contributions, or Yeah.","start_word":3737,"end_word":3768,"intents":[{"intent":"Recall previous employer matching","confidence_score":0.000039613566}]},{"text":"Now the little bit of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions. Do you know specifically if you signed that form or you told your payroll to salary sacrifice? Yes.","start_word":3805,"end_word":3860,"intents":[{"intent":"Confirm sign of form","confidence_score":0.028607044}]},{"text":"Would it be possible at some point to get maybe just a a one off payslip so I can have a look at how I could pull that up for it's you right now.","start_word":3898,"end_word":3931,"intents":[{"intent":"Request for payslip","confidence_score":0.00081480475}]},{"text":"Whereas in order to do it pretax and salary sacrifice, you actually have to basically tell payroll to do a salary Yes.","start_word":3976,"end_word":3997,"intents":[{"intent":"Provide information about payroll policy","confidence_score":0.00008358871}]},{"text":"So 99 out of a 100 Queensland Health employees are doing the nontax deductible version of it.","start_word":3999,"end_word":4015,"intents":[{"intent":"Confirm eligibility for nontax deductible contributions","confidence_score":0.0012257851},{"intent":"Specify deduction for nontax deductible contributions","confidence_score":0.000010590849},{"intent":"Clarify the need for a deductible payment","confidence_score":1.2689569e-8}]},{"text":"what proportion of that is actually going out in premiums and fees just to make Mhmm. sure that that's not chopping out 30 to 40% of your contributions just for insurance premiums. Okay.","start_word":4111,"end_word":4143,"intents":[{"intent":"Clarify the proportion of contributions in premiums and fees","confidence_score":0.00009508307}]},{"text":"How much is it sitting out currently as of today My super.","start_word":4217,"end_word":4228,"intents":[{"intent":"Review the cost of super contributions","confidence_score":0.00067112554}]},{"text":"do you have a I know it's decades away, but do you have a preference for wanting to retire earlier, or you just sort of go a bit more slow and steady and and keep going?","start_word":4411,"end_word":4446,"intents":[{"intent":"Clarify retirement preferences","confidence_score":0.021638408}]},{"text":"I've got my pay slip up, and it looks about like it's just coming out before tax. that before tax. So it's actually called, like, salary Sorry. sacrifice No. or It's coming out after. That's my bad. after tax. K. If you're comfortable with it because you are on six figures, one of my recommendations might be to convert that to tax deductible just so you get a little bit extra out of it.","start_word":4653,"end_word":4726,"intents":[{"intent":"Optimize benefits and expenses","confidence_score":0.00016897339}]},{"text":"I just wanted to gauge it with you in terms of preferences there because whenever I do insurance reviews, we can basically compare all the insurers in the market, see who's coming out the best.","start_word":4924,"end_word":4958,"intents":[{"intent":"Comparing insurance companies","confidence_score":0.0024297284},{"intent":"Comparing insurance coverages","confidence_score":0.007229909}]},{"text":"Going off of my savings at the moment, there's no way that I could last sixty days. Yep.","start_word":4991,"end_word":5008,"intents":[{"intent":"Evaluate saving options","confidence_score":0.0009779602}]},{"text":"So what that kind of cuts out as an option is, let's say, we extended your waiting period from sixty days all the way up to ninety days, so you had to wait three months to get payments. That makes it a lot more affordable, but then you've gotta be able to handle yourself for three months without that Yeah.","start_word":5082,"end_word":5141,"intents":[{"intent":"Discussing waiting period","confidence_score":0.0013466718}]},{"text":"So that to me just says that's off the table straight away, whereas Uh-huh. we've gotta find other ways to kind of reduce the cost a little bit. Yep.","start_word":5146,"end_word":5174,"intents":[{"intent":"Discussing cost reduction","confidence_score":0.23051345}]},{"text":"I've only really started cracking down on all my financial stuff in the last, like, three months anyway. Yeah.","start_word":5245,"end_word":5263,"intents":[{"intent":"Recounting financial struggles","confidence_score":0.000073117655}]},{"text":"It's really just a letter to the insurer, and then that can be applied pretty well straight away. Anytime you Okay.","start_word":5292,"end_word":5312,"intents":[{"intent":"Apply insurance coverage","confidence_score":0.031053841}]},{"text":"Like, I would rather have a house and then have, like, an investment portfolio of, like, shares and stocks separately. I've just never Okay.","start_word":6335,"end_word":6358,"intents":[{"intent":"Discussing investing options","confidence_score":0.00052658893}]},{"text":"preference is to stay away from the properties. Yeah. Yeah.","start_word":6428,"end_word":6437,"intents":[{"intent":"Expressing preferences","confidence_score":0.00058763206},{"intent":"Expressing preference","confidence_score":0.04774086}]},{"text":"do a very similar, if not identical thing, personally, when the time comes to invest Mhmm.","start_word":6684,"end_word":6699,"intents":[{"intent":"Discuss investments","confidence_score":0.014713537}]},{"text":"do a very similar, if not identical thing, personally, when the time comes to invest Mhmm. in almost the same stuff that your super does. Yep.","start_word":6684,"end_word":6709,"intents":[{"intent":"Discuss investments and budgeting","confidence_score":0.003856745}]},{"text":"don't know if your parents were the same way, but they kind of No. went paycheck to paycheck until they hit fifty, sixty and went, oh, haven't really got much to show for it. And then Yeah.","start_word":6896,"end_word":6932,"intents":[{"intent":"Discuss living experiences","confidence_score":0.00080674345}]},{"text":"I've got all the right motivation and all the right knowledge. It's just a matter of, like, actually acting on that and sticking with it Yeah. is the difficulty.","start_word":6944,"end_word":6972,"intents":[{"intent":"Discuss motivation","confidence_score":0.031905934}]},{"text":"whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection. But there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can Mhmm. only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or additional No.","start_word":7879,"end_word":7955,"intents":[{"intent":"Evaluate life insurance coverage options","confidence_score":0.00028241044}]},{"text":"to receive that still to go towards the care of the kids and stuff. Because as a guardian, he would receive the funds anyway or be in control of the funds if Yeah.","start_word":8107,"end_word":8139,"intents":[{"intent":"Order funds","confidence_score":0.00060913875}]},{"text":"I've been treated for depression for for a long time, like, a long like, 2016 maybe is when Yep. I started.","start_word":9298,"end_word":9318,"intents":[{"intent":"Discuss depression treatment","confidence_score":0.000047919075}]},{"text":"So whenever it comes to, like, mental health, the insurance companies are pretty kind of backwards with it, where at the yeah. moment there's any kind of, like, you've been diagnosed with this and you're medicated and treated, they basically go, boom, there's an exclusion for mental health. Yeah.","start_word":9478,"end_word":9526,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.0063493843}]},{"text":"Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see.","start_word":9526,"end_word":9561,"intents":[{"intent":"Discussing benefits of treatment","confidence_score":0.0017215181}]},{"text":"Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see. So Yeah.","start_word":9526,"end_word":9563,"intents":[{"intent":"Specifying medical treatment","confidence_score":3.7580352e-7}]},{"text":"The only other thing I could think of was is that I had a weight loss surgery two years ago, so my health has actually improved since then. Yeah.","start_word":9692,"end_word":9720,"intents":[{"intent":"Comparing health benefits","confidence_score":0.000039864906}]},{"text":"If you don't mind me asking, they always ask any significant weight loss in the last twelve to twenty four months. Mhmm.","start_word":9766,"end_word":9787,"intents":[{"intent":"Asking about insurance coverage","confidence_score":0.0022618661}]},{"text":"That is amazing. Congratulations. Thank you.","start_word":9807,"end_word":9812,"intents":[{"intent":"Expressing satisfaction","confidence_score":0.001889049}]},{"text":"And, like, I I actually had a bit of an opposite problem. I got to a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort Bump of it maintain up a little bit. Yep.","start_word":9897,"end_word":9962,"intents":[{"intent":"Maintain and manage weight","confidence_score":0.0047699306}]},{"text":"the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit?","start_word":10062,"end_word":10107,"intents":[{"intent":"Reduce premiums","confidence_score":0.21992941}]},{"text":"handle it and it's growing fantastically, I'd be happy to just leave it because, honestly, the less amount of paperwork and remembering I have to do down the line, the better. Absolutely.","start_word":10114,"end_word":10145,"intents":[{"intent":"Manage super's growth","confidence_score":0.0022518332}]},{"text":"one thing that you can kind of lean towards is once you've got that degree finished and if you do move to being an occupational therapist, you're going to be improving your occupation rating.","start_word":10169,"end_word":10202,"intents":[{"intent":"Improve occupation rating","confidence_score":0.6669831}]},{"text":"So one thing that you should pretty much do is once you do get into that field and you finish your degree is even just call QSuper or whichever insurer you're with and just update your occupation with them. Because if they can give you a better rating, they'll actually just apply it to your policy and drop Yep. your premiums down. Yeah. Cool.","start_word":10239,"end_word":10302,"intents":[{"intent":"Apply qsuper to policy","confidence_score":0.23151879},{"intent":"Apply qsuper to insurance","confidence_score":0.0015035903}]},{"text":"So I'll get a bit of a quote done just to see what it may look like. And I when I get that statement through from you, I just wanna double check if there's any loadings or anything applied to the policy. Because Mhmm. if you put that in place back in 2020, 2021, maybe there will be some loading that you can review and get removed to reduce the price as well. Okay. Perfect.","start_word":10362,"end_word":10436,"intents":[{"intent":"Get quote","confidence_score":0.19798803}]},{"text":"Any burning questions coming up so far for you?","start_word":10450,"end_word":10458,"intents":[{"intent":"Ask burning questions","confidence_score":0.0010735472}]}]},"sentiments":{"segments":[{"text":"Hello. Angela speaking. Good afternoon, Angela. It's Tommy here, senior adviser from Oakview. How are you doing?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.18726059794425964},{"text":"I'm good. Thank you.","start_word":17,"end_word":20,"sentiment":"positive","sentiment_score":0.47256046533584595},{"text":"How are you?","start_word":21,"end_word":23,"sentiment":"neutral","sentiment_score":0.3146386444568634},{"text":"I'm doing fantastic. Thank you for asking.","start_word":24,"end_word":30,"sentiment":"positive","sentiment_score":0.6931947469711304},{"text":"I've just got you penciled in for a bit of an initial consultation. Do you still have time? Yeah. That's fine.","start_word":31,"end_word":51,"sentiment":"neutral","sentiment_score":0.17456115782260895},{"text":"Perfect. Perfect.","start_word":52,"end_word":53,"sentiment":"positive","sentiment_score":0.4440844655036926},{"text":"So before I sort of jump into it, I've had a look at the details that Brooke has sent through, and Mhmm. I just wanted to kind of go through a bit of the process with how the advice works. Have you ever Mhmm. seen a financial adviser before? No. No. No. Perfect. So, basically, how it works is we go through a bit of a discovery call at the moment where we're just trying to find out what you're trying to achieve, what the scope Mhmm. of our engagement is gonna be, and then we will kind of walk you through gathering details so that we can do some research and hopefully put together a bit of a plan for you. Okay. Perfect. Now what I've kind of seen so far is that you're really looking to review the insurances. Can you just tell me Mhmm. in your own words what you're hoping to get out of this process? But that was just a suggestion from Brooke because I've got quite a few insurances through my super. Yep. And since I've recently, like, in the last twelve months separated from my husband, she thinks that it's really valuable to, like, review those and make sure that I'm getting the correct amount of insurance in place Yeah. And with with the those. separation, has that involved anything to do with, like, property settlement or loans or anything like that? No. No. We didn't really have any assets with that between us. Okay. And I'm assuming that there's a lot of importance with the kids at the moment. Do you how many dependents do you have? Two. Two. Two dependents. Mhmm. Both under the age of six, I would assume, or Yeah. But one that's five and one that will be seven in the middle of the year. seven in sort of June, July, April. April. April. Mhmm.","start_word":54,"end_word":370,"sentiment":"neutral","sentiment_score":0.039864000027018016},{"text":"Perfect. Okay. So that's a good starting point to obviously talk about what your insurance needs are.","start_word":371,"end_word":387,"sentiment":"positive","sentiment_score":0.5439091920852661},{"text":"Mhmm. Is there any other sort of pressing goals for the next twelve months for you? I'm really wanting to buy a property. I think that, that's probably further away than I would like, but that's one of the goals. And then also just, like, to improve my spending habits, like, I've always, like, I've got a very good income. I just my whole approach to, like, saving and and budgeting and stuff is that I'm really good at working out the logistics of it, but my whole behavior around it is very much, like, treat yourself. Okay. I'm with you. I'm with you. That's pretty sort of common for our generation. Do you mind if I just note down your date of birth, please? Yeah. It's the 02/22/2019 Please? '93. Perfect. 02/22/1993. So smack bang with us millennials Yep. in our budgeting crisis earning six figures, I'm assuming. Yeah. I do salary sacrifice and stuff, which brings my number down on paper, but, ultimately, yeah.","start_word":388,"end_word":553,"sentiment":"neutral","sentiment_score":0.08499796688556671},{"text":"Perfect.","start_word":554,"end_word":554,"sentiment":"positive","sentiment_score":0.4130602478981018},{"text":"And what's your sort of average income? Is it, like, salary, or are you on hourly rates? Or No. I work shift work, continue shift work, so it's different all the time. yep. I couldn't tell you the gross off the top of my head, but I bring in around between 2,300 to 3,000 every fortnight after tax. 3 2,300 to 3,000 fortnight, and that's take home in the hand. Yep. Yep.","start_word":555,"end_word":626,"sentiment":"neutral","sentiment_score":-0.018088165670633316},{"text":"Perfect.","start_word":627,"end_word":627,"sentiment":"positive","sentiment_score":0.3967857956886291},{"text":"So it's terms of insurances. Do you have income protection through your super that's protecting that income? Or I do, but I haven't looked at it in, like, a while. Like, I probably looked at that insurance maybe two years ago. So it probably definitely needs to be updated. But I also was sort of, like, for a while, they're looking at getting a secondary, like, insurance for income protection. I don't know if you can have two policies at the same time, but just, like, outside of my super just in case anything happens, especially now that I'm a single mom. Yeah. Yeah. Absolutely. So a couple things that we've gotta be careful on is, like, claims definitions. So when Mhmm. you have a policy through Super, it needs to be able to meet, like, a condition of release to be paid out to you. And the definitions Mhmm. are a little bit more flexible if you get it out of pocket, But there's also kind of, like, these flexi linking policies that kind of give you a bit of both, and Mhmm. that's something that we can consider as well. When it comes to ensuring your income, usually, the maximum is 70% of your, I guess, gross income because Mhmm. it's taxable. See, I think mine's sitting at 65 at the moment from memory with g c balls. About 65%. Sixty five percent. Yeah. So K. I probably definitely need to look at that. Absolutely. Do Yeah. I can jump on and log in and give that to you while we're on the phone.","start_word":628,"end_word":893,"sentiment":"neutral","sentiment_score":0.05110288764301099},{"text":"great.","start_word":894,"end_word":894,"sentiment":"positive","sentiment_score":0.4646466076374054},{"text":"I'll get a few sort of basic details just for our discussion because we do what's called a needs analysis, working out what you need, what are the sort of must haves versus the nice to haves, and then I can Mhmm. kind of go through a bit of research and see if we need to alter anything as Yeah.","start_word":895,"end_word":954,"sentiment":"neutral","sentiment_score":0.07824525982141495},{"text":"I think I'm in, like, a good position, like, with my income and, like, what I bring in. It's mostly just, like, I I would like to utilize all my funds and stuff a bit and, like, well. my insurances and things, like, a bit more smarter now that I'm an adult.","start_word":955,"end_word":1006,"sentiment":"positive","sentiment_score":0.3841191530227661},{"text":"Yeah. And you did mention, obviously, you've been doing a lot of the logistics on the budgeting side of things. So just while you're logging in to get those details, have you actually got a bit of a budget to paper or, like, a spreadsheet or anything like that so far? Yeah. I just keep it all on my phone pretty much. I just keep, like, my fortnightly. So my bills sort of get split into three, and it's like my my bills and direct debits all sort of come out of one account. And then my kid my my share of the kids expenses go into a different account that their dad also contributes to to pay for, like, their after school care fees or insurances and stuff. And then Yep. and then my account is split between long term savings, more flexible savings for, like, fun and things like that, and then, like, my my day to day, like, groceries and spending and stuff.","start_word":1007,"end_word":1172,"sentiment":"neutral","sentiment_score":0.11232351754085128},{"text":"Cool. So you do have a bit of a a fun account.","start_word":1173,"end_word":1184,"sentiment":"positive","sentiment_score":0.5092246532440186},{"text":"And do you have anything kind of long term savings or long term fun or anything like that? I have a long term savings, but I very often dip into that.","start_word":1185,"end_word":1215,"sentiment":"neutral","sentiment_score":0.09385374188423155},{"text":"Perfect.","start_word":1216,"end_word":1216,"sentiment":"positive","sentiment_score":0.5424731373786926},{"text":"That's that's pretty common. That's probably the most common thing that I see is people can put aside their $3.04, 500 a week, whatever it is. And then Mhmm. every so often, something comes due or they wanna go have some fun, and they're just constantly dipping into it. And then at the end of the year, it's kind of just where it was, maybe a bit less, maybe a bit more. Is that Yeah. kind of your experience? Or Yeah. I'm, like, putting away, like, a decent chunk every fortnight, but then, like, by the end of the fortnight, I've probably taken a couple 100 out of it.","start_word":1217,"end_word":1325,"sentiment":"neutral","sentiment_score":0.07356468588113785},{"text":"So I'm still getting perfect. ahead with savings.","start_word":1326,"end_word":1333,"sentiment":"positive","sentiment_score":0.4347991347312927},{"text":"Like, I'm still saving. I'm just not as quickly as I could be. Gotcha. Do you have, like, a a set amount for the fortnightly pay you're putting in there to start with? I generally if I pull up my thingy here let me go look here. Yeah.","start_word":1334,"end_word":1381,"sentiment":"neutral","sentiment_score":0.08370284736156464},{"text":"So, generally, I'm putting away about a thousand dollars a fortnight into that long term savings, Yep. and that's only been over the last little while.","start_word":1382,"end_word":1407,"sentiment":"positive","sentiment_score":0.44779714941978455},{"text":"But then that also will depend my aim is between 700 and 1,000 a fortnight, and then it just depends on if I've worked overtime or, like, what my, like, actual pay ends up being. Yeah.","start_word":1408,"end_word":1443,"sentiment":"neutral","sentiment_score":0.1884455680847168},{"text":"If you earn 2,300 for the fortnight, maybe it's 700.","start_word":1444,"end_word":1453,"sentiment":"positive","sentiment_score":0.3611787259578705},{"text":"If you earn the full 3 Yep.","start_word":1454,"end_word":1460,"sentiment":"neutral","sentiment_score":0.2999691069126129},{"text":"thousand, maybe you can put away a thousand. Yep. And then I generally put, like, $300 into my, like, more flexible savings. So that's, like, if I wanna go out and do stuff with the kids or if I need to go, like, shopping money or beauty money or whatever.","start_word":1461,"end_word":1510,"sentiment":"positive","sentiment_score":0.4959814250469208},{"text":"And then, like, yeah, I've got my grocery money and, like, you know, spending day to day, like, Okay. food and So whatever.","start_word":1511,"end_word":1533,"sentiment":"neutral","sentiment_score":0.31786566972732544},{"text":"like you said, the logistics have been broken up pretty detailed.","start_word":1534,"end_word":1544,"sentiment":"positive","sentiment_score":0.33695265650749207},{"text":"Obviously, you've got your different expense accounts and making it work with the Yeah.","start_word":1545,"end_word":1558,"sentiment":"neutral","sentiment_score":0.2772180140018463},{"text":"kids and bit of savings, bit of fun. So that's pretty easy for me to work out a bit of proportion to sort of see what percentage is spending Yep.","start_word":1559,"end_word":1588,"sentiment":"positive","sentiment_score":0.5451205372810364},{"text":"on expenses versus Mhmm. fund versus savings. What do you find is the most consistent issue that you run into or having to dip into it? Is it just something pops up that you wanna go and do, or where do you find that that occurs? Yeah.","start_word":1589,"end_word":1635,"sentiment":"neutral","sentiment_score":0.1019517183303833},{"text":"I just think that, like, with my fund saving, I like, I don't know if I'm, like, managing that super well because I've got, like, things that I'm, like, I wanna do on the fortnight, but then I've also got fun things that I wanna, like, maybe, like, a holiday or something that I wanna say about within a year. Yeah. And I'm sort of keeping that all in one account.","start_word":1636,"end_word":1706,"sentiment":"positive","sentiment_score":0.5363891124725342},{"text":"So then when I'm, like, through the fortnight as I'm going, if I go shopping and I need to buy something or I'm taking it out of that account and then I don't have anything, like, long term saved up. So then if something pops up, I then take it out of my other savings account. Yes. So I think I'm maybe like, I know that my spending needs to be refined a little bit, and I'm working on that. I've been tracking my spending every week and then monthly with my, like, banking app, and I keep a I keep a log of it. And I've been doing that for the last maybe two or three months just to see, like, where my money is actually going, where I'm doing the most spending, and then, like, setting goals to try and, like, like, bring that number down a little bit and just be, like, a bit more mindful of it. I think that's probably my biggest tip at the to begin with is just making sure you split the short term fund versus long term fund because that's where Yeah. everybody runs into that trouble is they kind of there's always something popping up. And then when Yep. it comes time for that long term thing, they're dipping into savings instead. And it's Yep. just And saying, that's exactly okay. what I find is happening. Yeah. My my wife was the exact same way. Like, we've been together for almost twelve years now, and we spent, I think, the first five or six just working on, like, budgeting and things like that. And Yep. she was the same way. Like, if it was there, she would there would be something that popped up to spend it on Yep. because she works at Yep. Meijer. She gets staff discounts, so she's going, okay. Well, there's this I wanna get for the kids or for myself or for you, Mhmm. and there was always something to do. But then if we wanted to go to a concert or overseas, we had never built up that amount, if that makes sense. Yep.","start_word":1707,"end_word":2066,"sentiment":"neutral","sentiment_score":0.07594053447246552},{"text":"Yeah. It does. That's exactly what I feel. So I'm like, you know, I'd love to be able to take the the kids on a holiday, and in theory, I have the money to be able to do that.","start_word":2067,"end_word":2105,"sentiment":"positive","sentiment_score":0.5709033425037677},{"text":"But because every fortnight, it's just sort of, like, being chipped away at on other things, it never builds up to the point where I'm able to, you know, like, dedicate that chunk of money. Yeah.","start_word":2106,"end_word":2141,"sentiment":"neutral","sentiment_score":0.12991021573543549},{"text":"So I think that's where the discipline comes in of just saying, okay.","start_word":2142,"end_word":2154,"sentiment":"positive","sentiment_score":0.3440616726875305},{"text":"I wanna have maybe a 100 a fortnight for incidentals and splurging, and then this Mhmm. set amount is gonna be in a completely different account that's just building up towards a specific goal, holiday, whatever Yep. it was, and then just adjust it every month or two. Yep. Yeah.","start_word":2155,"end_word":2204,"sentiment":"neutral","sentiment_score":0.19684001803398132},{"text":"So I would definitely break that up into two.","start_word":2205,"end_word":2213,"sentiment":"positive","sentiment_score":0.34810030460357666},{"text":"That'll be sort of first port of call. Is there anything in particular that you're sort of trying to build towards now for the next year, three years or so? So, like, the big one is, like, moving. So I currently live with my parents, and I want to be able to buy. But if that's not, like, something that I'm able to do within the next twelve months, then I will be moving into a rental anyway. So just sort of, like, having some money there as, like, an emergency fund so that, you know, I can move. And and then there's also, like, a little bit of fallback money so that if anything were to happen, like, I would be like, I would have some savings there.","start_word":2214,"end_word":2342,"sentiment":"neutral","sentiment_score":0.19190064072608948},{"text":"So that's what I'm working on is, like, having that emergency savings and then also moving.","start_word":2343,"end_word":2358,"sentiment":"positive","sentiment_score":0.3600282669067383},{"text":"And then short term, Yeah.","start_word":2359,"end_word":2363,"sentiment":"neutral","sentiment_score":0.2640286684036255},{"text":"I would love to be able to do, like, one, like, domestic holiday year with the kids. Nothing too crazy, nothing too expensive. And then, yeah, that's just, like like more more regular things. Like, I would like to be able to, you know, do my Botox every six months or and, you know, Yep.","start_word":2364,"end_word":2418,"sentiment":"positive","sentiment_score":0.4675271809101105},{"text":"that not, like, be a big dip into the savings because I wasn't prepared for it or I hadn't been putting money away over the six months and then you know? So, Angela, the way we kind of write these goals up is we do I mean, at Oakview, we're everything's to do with tree analogies where we're talking about setting down roots and foundations and branching out. Know? Mhmm. The way I like to attack it when you've got five or six goals that are all sort of near term coming up is we just take it sort of twelve months at a time. So what K. I mean by that is if we have a specific goal of let's try and put away this much for a full twelve months and make sure that stays as savings, we start Yep. there, and then we start to refine, okay, as we're now consistently doing this, what can we hit when? And that will give you a gauge to say, okay. I really need to take that holiday. I really need to have the bond saved up for the rent. And then you go, okay. I've got the money aside for not. You can Mhmm. push the goals forward or back a year or two, that kind of thing. So the very first twelve months is always just build the consistent habits and then refine, okay, what can we actually achieve in the five year time span, if Yep. that makes sense. Yep. So if you don't mind me asking, how much have you currently got in savings at the moment? I've got about $2 in savings at the moment. $2.","start_word":2419,"end_word":2699,"sentiment":"neutral","sentiment_score":0.10969220846891405},{"text":"Yeah. Perfect.","start_word":2700,"end_word":2701,"sentiment":"positive","sentiment_score":0.4791260659694672},{"text":"And so in order to do, for example, the Botox, the bonds, obviously, the house deposit, that's a little bit bigger than bond for a rental. So that kind of comes a bit first and a bit of an emergency fund. If we keep it at that consistent, say, 700 a fortnight, that's pure savings. Would you say that's reasonable? Yeah.","start_word":2702,"end_word":2762,"sentiment":"neutral","sentiment_score":0.2331840991973877},{"text":"Yeah. That's easy. Cool.","start_word":2763,"end_word":2766,"sentiment":"positive","sentiment_score":0.4370235800743103},{"text":"Okay. So we'll At the put moment, that in. anyway, when I move, it might change.","start_word":2767,"end_word":2782,"sentiment":"neutral","sentiment_score":0.08231603354215622},{"text":"So but for the next six months, that's definitely doable.","start_word":2783,"end_word":2792,"sentiment":"positive","sentiment_score":0.6234875321388245},{"text":"And that's the thing too is as you move into a rental or purchase a home, you have to consistently kind of readjust the budget. So for now, let's just work on again habits for the time being and then Mhmm. building Yep. up that deposit. Yep. So have you looked at the the rentals recently to see kind of how much of a bond you need to save up or anything like that? Yeah. I've got a bit of an idea. So I think I can afford up to I mean, ideally, I don't want to pay Yep. 700 a week for somewhere, but I could I could get somewhere for about $6.50 to 700 a week rental wise in the area that I want. So I would need, you know, like, a few grand saved up. Yep. And is there a pretty big need to move out of the parents with with the kids and everything that you've you've kind of stuck to a twelve month time limit? It's not clear at the moment. Where my mom is is the lease is up for renewal in, you know, May, June. And so it'll just depend on, like, what happens with the rental then, like, with the lease. If they get extended, then great. I'll reevaluate. But if they don't, then, you know, my parents have a plan to move elsewhere, and then I'll, you know, find my own place. So it's sort of I'm aiming I'm planning as if it's you know, I'm going to have to move just because then that motivates me a little bit more. Yeah. But there's there's no, like, set necessarily, like, set time frame. It's sort of just like, I need to have it saved and ready to go if needed in May Perfect. So May year or May year? this year. This year. Okay.","start_word":2793,"end_word":3105,"sentiment":"neutral","sentiment_score":0.05895119532942772},{"text":"Perfect.","start_word":3106,"end_word":3106,"sentiment":"positive","sentiment_score":0.4224591851234436},{"text":"So we do need to pump a little bit of savings in there for the next couple of months to make sure the bond is secured Yes. at the very least. And then after that, it's kind of saying, okay. Can we build up that 15 to 20,000 a year into savings towards the house deposit? That kind of Yeah. thing. Does that sound fair enough? Yeah.","start_word":3107,"end_word":3173,"sentiment":"neutral","sentiment_score":0.18046419567136623},{"text":"It does. Yep. Perfect. So I'll put in the savings goals for the time being.","start_word":3174,"end_word":3188,"sentiment":"positive","sentiment_score":0.4850099980831146},{"text":"One of the things that I will do after this consultation too is I'm gonna send you out, like, our financial services guide, which is Mhmm. kind of like consumer protections. It's got all of our licensing details in there, how we give advice, what we can and can't give advice on, bit of the process, and just all of the things that you need to know about Oakview Financial and myself as an adviser as well. K. Perfect. How did you go with your q super login, if you don't mind me asking? Yeah. I've just logged in here. I don't know how to interpret this stuff. It's, like, death covers down. So it's, like, amount of cover and units and then premium. I don't know. Doesn't actually give me but I'm happy to give you whatever I can read here. Yeah. Perfect. So sometimes those government super funds, they kind of give you a total benefit that incorporates your super, and then underneath it, they kind of tell you how much is insured. Is it kind of broken into two lump sum amounts for death cover or Mhmm. So on what I can see here, it's amount of cover is four units at 500,000. just one? Yep. And then it just says death cover premiums $4.87 per week. K. So we've got $4.87 per week, and we've got four units, 500,000. That's okay. Because what I can do is I'll go into the PDF for QSuper, and they usually give you the defaults. You haven't actually changed it yourself before, have you? Like, increased or decreased the cover? Once before, a long time ago when I because I changed jobs about maybe five, four and a half years ago where I I took a significant pay increase. So I went back I made sure I went in and updated all of that then.","start_word":3189,"end_word":3503,"sentiment":"neutral","sentiment_score":0.08307395130395889},{"text":"Perfect.","start_word":3504,"end_word":3504,"sentiment":"positive","sentiment_score":0.34055620431900024},{"text":"So Perfect. quite a while Is ago. the TPD the exact same? Four units, 500,000 similar So TPD is four units at 500,000, and it says total TPD cover premiums $30.35 a week. premium. $30.35 per week. Yep. Okay. So it's significantly higher than the life insurance. Usually, they're a little bit closer than that. So Okay. just under $5 a week for the life insurance, but $30 a week for the TPD, Mhmm. which is coming out to about 1,500 for the TPD, a little bit less for the life insurance. Right? So we got a couple of grand coming out there in premiums. So it's definitely been increased, that's for sure, from the default, which would normally Yep. be under a thousand bucks. Okay. What about the income protection? Yeah. So income protection, amount of cover, 12.3 units of 6,150 per month. 150 per month. Benefit period is two years. Waiting period is sixty days, And income protection cover premium is $19.31 a week. Okay. Seems a little bit high for your age. Not gonna lie because just under $3,000 for insurance coming out of the super. Working back your income before, it does seem like you're pretty close that kind of $100,000 mark, which would net Yes. you around about oh, pay calculator says 2,900 a fortnight in hand, Mhmm. so we're getting pretty close to that mark. Yep. What I need to sort of be careful on is let's say you have a $100,000 income. Are you doing any, like, employer matching schemes through work for your contributions, or Yeah. are So they just I paying work that at Queensland standard? Health. So they've got a if I do 5%, they do 12 and a half percent. Yep. And you're doing that currently? Yep. And 5%. Now the little bit of a tricky thing when it comes to Queensland Health that I've noticed is most people when they set that up, they do sign, like, a one page form to do the extra contributions. Do you know specifically if you signed that form or you told your payroll to salary sacrifice? Yes. Good question. I I think I just signed the form. But it's been Yep. I've worked for Queensland office so long, and I've changed it a couple of times.","start_word":3505,"end_word":3889,"sentiment":"neutral","sentiment_score":-0.0026331553150984372},{"text":"So I'm I'm not actually confident.","start_word":3890,"end_word":3895,"sentiment":"negative","sentiment_score":-0.38119402527809143},{"text":"That's okay. Would it be possible at some point to get maybe just a a one off payslip so I can have a look at how I could pull that up for it's you right now. broken down. Cool. Because the way they do it on that form, and it was the strangest thing when I found it out about five years ago, was that form automatically puts those extra contributions in as Mhmm. post tax as non Mhmm. concessional. Whereas in order to do it pretax and salary sacrifice, you actually have to basically tell payroll to do a salary Yes. sacrifice. So 99 out of a 100 Queensland Health employees are doing the nontax deductible version of it. I have a feeling I did set it up as salary sacrifice, but when I got my novated lease, I think I maybe changed it. Oh, okay. I'm just logging in on here. Alright. It takes, like, eight different authentication pages to log in.","start_word":3896,"end_word":4059,"sentiment":"neutral","sentiment_score":0.04196382313966751},{"text":"Oh, that's always fun.","start_word":4060,"end_word":4063,"sentiment":"positive","sentiment_score":0.3849139213562012},{"text":"What I was sort of just working out in the background is that when you have, let's say, an income of a 100,000, if you're getting that standard 12% in your contributions, which you're obviously getting the full kind of seventeen, seventeen and a half, is Mhmm. what proportion of that is actually going out in premiums and fees just to make Mhmm. sure that that's not chopping out 30 to 40% of your contributions just for insurance premiums. Okay. It's kind of how I work out a bit of an affordability flag there. Yeah. And, honestly, it's like I've never really thought about it because I'm like, I don't even see it. I don't even look at I look at my how much super I've got maybe once a year just to be like, oh, yeah. Look at tracking. Otherwise, I don't really, like, look too much into it. I wouldn't know. How much is it sitting out currently as of today My super. in terms of just daily balance? I have got a 143,792 thousand. Yeah. 143,792. Perfect. Okay.","start_word":4064,"end_word":4244,"sentiment":"neutral","sentiment_score":-0.014378898432323943},{"text":"So overall, you have Pretty good. a really good amount of cover and a really good Yeah. balance for your age. Yeah. The good thing there is you can basically you're doing those extra contributions through work. That'll get you really far really quickly.","start_word":4245,"end_word":4288,"sentiment":"positive","sentiment_score":0.5448204874992371},{"text":"At a certain Mhmm. point, you can basically turn those off, and the growth will be able to carry it from that, say, once you've got $3,400,000, it'll actually carry just from growth up to that, you know, million million and a half mark by retirement. So you're kind of ahead for your age, if that makes Yep. sense. Yeah. I kinda wanted to do it that way because I'm I'm like I don't know. I just because I know I'm so shit with savings. I'm like, I just wanted to put myself in a really good position. Like, that's, like, the one thing I could do to make sure that I'm doing something Yeah. a Perfect. bit more And long term. do you have a I know it's decades away, but do you have a preference for wanting to retire earlier, or you just sort of go a bit more slow and steady and and keep going? Because it's a bit of a split in the country when I ask that question. Where do Yeah. you lean? Look. I don't have a particular preference. I would like to retire some not, like, super early, but, like, early enough to be able to enjoy a retirement. But I just wanna be prepared. Like, I've seen both my parents, but my dad had to medically retire quite young. And then my mom Right. is, you know, like, sort of looking down that pathway as well of having to medically retire. So I'm like, I just wanna be prepared for you know, you never know what's gonna happen. Yeah. Absolutely.","start_word":4289,"end_word":4556,"sentiment":"neutral","sentiment_score":0.01814574934542179},{"text":"And the And pension having the enough pension there is not great. no. It's not fun.","start_word":4557,"end_word":4572,"sentiment":"negative","sentiment_score":-0.46277692914009094},{"text":"I know I think COVID was probably the roughest period for people having to line up at Centrelink Yeah. to try and get appointments and then come Mhmm. back for the appointment, and they're just constantly at that office driving three or four times just to get one thing sorted. It's probably Yeah. a bit easier for us to try and become self funded by doing a couple of things in our thirties, so we don't have to worry Yeah. I've got my pay slip up, and it looks about like it's just coming out before tax. that before tax. So it's actually called, like, salary Sorry. sacrifice No. or It's coming out after. That's my bad. after tax. K. If you're comfortable with it because you are on six figures, one of my recommendations might be to convert that to tax deductible just so you get a little bit extra out of it.","start_word":4573,"end_word":4726,"sentiment":"neutral","sentiment_score":0.10556696355342864},{"text":"Yep. I can do that today when I go into work.","start_word":4727,"end_word":4737,"sentiment":"positive","sentiment_score":0.4401712715625763},{"text":"And I then thought what'll that I had happen? set it up and I haven't checked it.","start_word":4738,"end_word":4754,"sentiment":"neutral","sentiment_score":0.18318957090377808},{"text":"So That'll actually minimize the impact when you take home pay by doing it pretax mhmm. as well. So, hopefully, that'll help towards the the budgeting side as well.","start_word":4755,"end_word":4783,"sentiment":"positive","sentiment_score":0.4826939105987549},{"text":"Yep. Because I'm thinking there, that's what 5,000 a year coming out of the 5% mark around about. And then Mhmm. if you do that pretax, 70<unk> on the dollar, yeah, it should save you an extra 1,000 to 1,500 a year take home pay impact, which that can Yeah.","start_word":4784,"end_word":4834,"sentiment":"neutral","sentiment_score":0.239618256688118},{"text":"obviously Correct. go towards your goals. Cool.","start_word":4835,"end_word":4841,"sentiment":"positive","sentiment_score":0.4310096204280853},{"text":"Alright. So when I put together, like, an advice document, I'm going to be just noting down the the current contribution structure, recommending to update that. If you have done that in between, that's fine, but I just need to show, I guess, the what it was like and what we're recommending you to switch to. Yes.","start_word":4842,"end_word":4898,"sentiment":"neutral","sentiment_score":0.1731359362602234},{"text":"Perfect.","start_word":4899,"end_word":4899,"sentiment":"positive","sentiment_score":0.5349750518798828},{"text":"Now when it comes to that income protection you noted before, you noted Mhmm. a two year benefit period, sixty day waiting period. Mhmm. I just wanted to gauge it with you in terms of preferences there because whenever I do insurance reviews, we can basically compare all the insurers in the market, see who's coming out the best. Sixty Mhmm. days, is that too short, too long? Can you last two months before getting income payments just based on your savings at the moment, or what would be your preference, sir?","start_word":4900,"end_word":4990,"sentiment":"neutral","sentiment_score":0.05007665481541183},{"text":"Going off of my savings at the moment, there's no way that I could last sixty days.","start_word":4991,"end_word":5007,"sentiment":"negative","sentiment_score":-0.3896622955799103},{"text":"Yep. And That's you don't sort have of heaps like of the leaves the built goal up would or anything? be yeah.","start_word":5008,"end_word":5029,"sentiment":"neutral","sentiment_score":-0.11454721540212633},{"text":"No. Not well, I mean, I've got that, like, little bit sitting there, but if I have to move and something was to happen in the next month or two, then, yeah, definitely not. I wouldn't be I wouldn't be in a good position to be able to wait that long.","start_word":5030,"end_word":5080,"sentiment":"negative","sentiment_score":-0.4333289563655853},{"text":"Perfect. So what that kind of cuts out as an option is, let's say, we extended your waiting period from sixty days all the way up to ninety days, so you had to wait three months to get payments. That makes it a lot more affordable, but then you've gotta be able to handle yourself for three months without that Yeah. additional income coming through. So that to me just says that's off the table straight away, whereas Uh-huh. we've gotta find other ways to kind of reduce the cost a little bit. Yep. Now do you want me to look at a bit of a quote for maybe a thirty day wait, which is pretty standard, or Yeah. do you want That would me to be keep better. it towards the 60? Okay. Yeah. So it's 30 for the meantime, and then if it can change, like, in six months to a year's time, then change it, like, Yeah. as as things improve.","start_word":5081,"end_word":5244,"sentiment":"neutral","sentiment_score":-0.004734958056360483},{"text":"I've only really started cracking down on all my financial stuff in the last, like, three months anyway.","start_word":5245,"end_word":5262,"sentiment":"negative","sentiment_score":-0.4772195518016815},{"text":"Yeah. And that's one of the things too is whenever you, I guess, reduce the benefit, it's very easy to reduce cover, cancel cover, extend out waiting periods.","start_word":5263,"end_word":5290,"sentiment":"neutral","sentiment_score":-0.09777750074863434},{"text":"It's really just a letter to the insurer, and then that can be applied pretty well straight away.","start_word":5291,"end_word":5308,"sentiment":"positive","sentiment_score":0.35056760907173157},{"text":"Anytime you Okay. increase something, then you've gotta go through applications, medical underwriting, and so forth. And it's much easier to drop it down than just consistently increasing it, if that makes Mhmm. Yep. sense.","start_word":5309,"end_word":5343,"sentiment":"neutral","sentiment_score":0.20267118513584137},{"text":"So I'll do the quotes for thirty days and sixty days just to see what it looks like. And Mhmm. if I can get you, like, an affordable thirty days, we'll go for that as well. That way, Okay. even if it's just for a year or so, that'll get you through. And then once you've got that savings built, we can extend it to sixty.","start_word":5344,"end_word":5409,"sentiment":"positive","sentiment_score":0.44710826873779297},{"text":"But then I'm also mindful of things like if you've spent it as a house deposit, if you consistently don't have that emergency fund available, you may need to Yep. keep it going for a little while. Yep. K? When it comes to benefit period, so what I'm sort of thinking here is you've got two years as a benefit period. That's, I guess, the the minimum. It goes Mhmm. two years, five years, all the way up to the age of 65. That's usually pretty incumbent on what you do for your duties. Can I just Yep. ask in Queensland Health, are you just fully office based? Are you doing nursing? What what's your role?","start_word":5410,"end_word":5525,"sentiment":"neutral","sentiment_score":0.01899091899394989},{"text":"No. I'm in a I'm in a pretty high, like, high risk category. QSuper have put my occupational rating at high risk because I'm in an acute mental health ward Okay.","start_word":5526,"end_word":5556,"sentiment":"negative","sentiment_score":-0.3715178966522217},{"text":"on the on the floor with patients.","start_word":5557,"end_word":5563,"sentiment":"neutral","sentiment_score":-0.26012998819351196},{"text":"There's, like, a high risk of occupational violence and harm.","start_word":5564,"end_word":5573,"sentiment":"negative","sentiment_score":-0.41746610403060913},{"text":"Oh, joy. Okay. So what would your what would your title be? Sorry. I'm an advanced peer worker. Advanced peer worker, Yeah. So it's not quite was nursing. It's more like a combination of support it? work and allied health. Ensure support work and allied health. Less to do with the nursing side. Is there any, like, qualifications that go along with that in terms of degrees and diplomas that relate? Yeah. I've got a set full for the role, but I'm also at university studying a degree studying a bachelor's. Yep. Okay. And is a bachelor in, like, nursing or or support? It's in occupational therapy. Occupational therapy.","start_word":5574,"end_word":5682,"sentiment":"neutral","sentiment_score":0.008327667832101157},{"text":"Fantastic. Is that a long term goal to start one of those occupational therapy businesses through Yeah.","start_word":5683,"end_word":5699,"sentiment":"positive","sentiment_score":0.5262944102287292},{"text":"NDIS So or in something? the Or yeah. So in the next twelve months, I'm hoping to do half of where I'm at and do a couple of days a week as, like, support work through NDIS just to sort of get some experience and get my foot in the door. And then once I finish my degree, I haven't decided yet if I'll go through NDIS or stay with Queensland Health.","start_word":5700,"end_word":5771,"sentiment":"neutral","sentiment_score":0.20891840755939484},{"text":"But, yeah, the goal is that I'll I'll switch from being a peer worker to an Fantastic. So you've got a full career trajectory for the next few years and a lot to work on in terms of the studying and work placements OT.","start_word":5772,"end_word":5815,"sentiment":"positive","sentiment_score":0.497347891330719},{"text":"and role changes Yeah. and employer changes. You definitely have Yeah. a lot going on. That's for Yeah. Yeah. sure. So what I'll do, I'm just noting down a few things there. Queensland Health is the employer. Mhmm. And, again, you're right. The acute mental health board, that puts you in a a decently risky kind of category. Yeah. So we may need to just do some basic adjustments there. And one of the things too is when you go through the advice process, so we need to make sure that we note down your goals and see if we can leave you in a better position towards meeting those goals. If I Yep. can't actually get you anything better than what you have, I'll basically just give you some general advice and say, look. Okay. I couldn't find a better strategy or a better product, but what you can do is x, y, and zed, and then it'll pretty much be, I guess, complimentary at that point. Okay. Now if we do find a more suitable policy, we do actually get paid through, like, a commission structure where all the insurers pay the first year's premiums, 66 Okay. percent to advisers, and that kind of funds insurance advice. If you would like us to give, for example, superannuation advice, we can also give advice towards what to invest in, and that's charged as a separate percentage based fee to implement the advice if that makes sense. Okay. Okay. Yeah. Makes sense. K? At this point, I'm really just gonna do the insurance review for the time being. Do you want me to look at the investments as well and kind of tie them both in together? What's your preference?","start_word":5816,"end_word":6105,"sentiment":"neutral","sentiment_score":0.05844733449148721},{"text":"I'm pretty happy. My investments at the moment, I've just got everything invested in, like, an aggressive account with QSuper. Oh, Like, they're fantastic. standard.","start_word":6106,"end_word":6130,"sentiment":"positive","sentiment_score":0.4622158110141754},{"text":"Because I'm, like, I'm young and I've got forever to go when you know?","start_word":6131,"end_word":6144,"sentiment":"neutral","sentiment_score":0.32004430890083313},{"text":"I've I've seen, like, quite good results from that in the last, like, few years that it's been set that way. Brilliant. So I'm pretty happy with that.","start_word":6145,"end_word":6172,"sentiment":"positive","sentiment_score":0.5837958455085754},{"text":"Yeah. And if you don't mind me asking, Angela, what actually made you jump in and do that? Did you just one day say, I'm gonna look at my finances and how to play around with this? Or I think from memory, this was a very long time ago, but we had a QSuper, like, rep come around to work when I was working a different role Yeah. And was sort of like, you know, like, these are some things to think about. These are some services we can offer. They offer, like, financial advice through them as well, and it just sort of, like, prompted me to think about it. And then I've just been doing, like, my own sort of research since just, like, listening to podcasts and stuff. I do eventually want to Cool. be able to invest and, like, have some savings, like, invest that way because I've never really been interested in, like, investing in property. Like, I would rather have a house and then have, like, an investment portfolio of, like, shares and stocks separately. I've just never Okay. really been in a position, like, where I've felt like I could do that yet.","start_word":6173,"end_word":6372,"sentiment":"neutral","sentiment_score":0.0719383798027411},{"text":"So So that's that's definitely, really like, fascinating.","start_word":6373,"end_word":6380,"sentiment":"positive","sentiment_score":0.37498411536216736},{"text":"one of the goals down the line. That's, like, a five years type looking into. Yeah. So get the house first, get established, and then once you've got a bit more spare cash flow and capital Yep. behind you, go into some personal investing. And, again, Yep. preference is to stay away from the properties. Yeah. Yeah.","start_word":6381,"end_word":6437,"sentiment":"neutral","sentiment_score":0.037131380289793015},{"text":"And that's awesome. I'm seeing that a lot more with our generation, of course, is property is pretty easy to roll into.","start_word":6438,"end_word":6459,"sentiment":"positive","sentiment_score":0.42030206322669983},{"text":"You pay down Mhmm. a mortgage, you borrow off of it and get the next property and so forth. But I'm seeing a lot Yes. of people going into shares, crypto, ETFs, and Mhmm. also seeing just a lot less headaches that way as well. Yeah. Like, the whole idea of, like, having a portfolio of, like, investment properties does not appeal to me. It just actually makes me feel stressed. And to be Affordable. honest, take it from someone who invests in a little bit of everything, it is quite it's quite a lot. And if you don't have the the time to deal with it, sometimes it's easy to have something just build up in the background. Yeah. Yeah. I just wanna, like, forget about it and have it that's why I like what my suit is doing because I'm like, I don't I just set it as high growth, and I don't think about it until tax time where I go check, make sure that I'm still just increasing the amount, and I move on with my day.","start_word":6460,"end_word":6640,"sentiment":"neutral","sentiment_score":0.07252416014671326},{"text":"Perfect.","start_word":6641,"end_word":6641,"sentiment":"positive","sentiment_score":0.5620421767234802},{"text":"And And that's that's just one new thing that one. I'll kind of give you as a bit of a tip too is superannuation is essentially just a bit of a tax haven bubble around investment platforms. And you can Mhmm. do a very similar, if not identical thing, personally, when the time comes to invest Mhmm. in almost the same stuff that your super does. Yep. And then, again, you can change it between, you know, your aggressive high growth. You can keep it a bit more balanced if you wanna access the funds a little bit earlier, and Mhmm. you get access to all of those different options and shares and manage funds and things like that. Yeah. So I guess you could say that my, like, personal got my rank my financial goals for the next twelve months is about, like, financial stability and just, like, putting down those foundations. And then from there, it will be more about, like, thinking a bit more, like, long term savings and investing. Yeah.","start_word":6642,"end_word":6815,"sentiment":"neutral","sentiment_score":0.16716460416885628},{"text":"Perfect.","start_word":6816,"end_word":6816,"sentiment":"positive","sentiment_score":0.5565439462661743},{"text":"So we'll start off with getting a handle on the budgeting for the first twelve months, moving into either rental or purchasing a property over that sort of zero to three years. And then once you're all established and some equity is built up and you've got some savings behind you, then branch into some investing. Yep.","start_word":6817,"end_word":6873,"sentiment":"neutral","sentiment_score":0.20532917976379397},{"text":"Brilliant. I love it.","start_word":6874,"end_word":6877,"sentiment":"positive","sentiment_score":0.6909428834915161},{"text":"It's our generation seems to be the most, I guess, engaged with their finances as opposed I Yeah. don't know if your parents were the same way, but they kind of No. went paycheck to paycheck until they hit fifty, sixty and went, oh, haven't really got much to show for it. And then Yeah. we're trying to avoid falling into the same traps. Yeah. Yeah. I've got all the right motivation and all the right knowledge. It's just a matter of, like, actually acting on that and sticking with it Yeah. is the difficulty. And look, it don't beat beat yourself up because it does take a lot of time to build those habits, and it's never just a linear pathway. You just consistently go from year one to 10. I'm gonna go from here to there. It's gonna be up, down, around, around, and life tends to throw a few things at you as well. No doubt you've probably seen. Yeah. Now just while I'm looking at it as well, Mhmm. so just to kind of cap off the the superannuation side of it, if you've already got your q super in the high Mhmm. growth investment, it's consistently doing just above that 10% mark. So that's Yep. kind of what you're aiming for when you're looking for high growth or above is consistent double digit. Now, yes, you can get twelve, thirteen, 14% throughout the industry. It's available.","start_word":6878,"end_word":7118,"sentiment":"neutral","sentiment_score":0.09686802644514445},{"text":"But as long as you're hitting that nine to 10, you're pretty well on track in combination Yep. with your extra contribution. So that's going to really get you there very quickly.","start_word":7119,"end_word":7150,"sentiment":"positive","sentiment_score":0.4847888946533203},{"text":"Yep.","start_word":7151,"end_word":7151,"sentiment":"neutral","sentiment_score":0.2957642674446106},{"text":"Cool.","start_word":7152,"end_word":7152,"sentiment":"positive","sentiment_score":0.4553221762180328},{"text":"So I pretty much wouldn't change anything there if that makes sense. Yeah. No. I'm happy with it too.","start_word":7153,"end_word":7171,"sentiment":"neutral","sentiment_score":0.15233564376831055},{"text":"Beautiful.","start_word":7172,"end_word":7172,"sentiment":"positive","sentiment_score":0.6080952882766724},{"text":"The last one I wanted to just ask you, so when it comes to, like, the life and disability insurance, I'm trying to gauge whether you do have, when it said four units of 500,000, it's telling me you've got $2,000,000 worth of cover. Okay. Now that might be why you're paying $3 a year because that TBD for a couple million dollars may be $30 a week. If it was $30 a week for 500,000, that would be quite extreme. But then Mhmm. again, with your occupation rating, that might be the reasoning too. So I Yeah. will just kind of double check the amounts there. If you can send through a statement, that would be fantastic. Yeah. We can do that. Now when it comes to the amount that you actually need, though so you don't have the house yet. No. Do you know kind of the purchase price of the ones that you would like to get in No. I've only just, like, really started exploring that with Brooke because to? I'm buying on my own and my, like, my savings and stuff are quite low. There's actually there's just, like, zero chance I'm gonna be able to buy on the Gold Coast at the moment with what I've got. I really need to bump up my savings to even get a foot in the door.","start_word":7173,"end_word":7401,"sentiment":"neutral","sentiment_score":-0.02042369917035103},{"text":"I would like to be able to buy between 700 and 700 and 50,000, like, a two bedroom Yep.","start_word":7402,"end_word":7420,"sentiment":"positive","sentiment_score":0.34206703305244446},{"text":"place. Yep.","start_word":7421,"end_word":7422,"sentiment":"neutral","sentiment_score":0.15916185081005096},{"text":"But that being the goal, that's, like, that's, like, a couple of years away. That's not gonna happen within the next, you know, twelve months. It's probably more likely I'm gonna have to save really aggressively for the next little while and then move into a rental and then just continue to chip away as best I can.","start_word":7423,"end_word":7480,"sentiment":"negative","sentiment_score":-0.4855130910873413},{"text":"That's kind of what I was gonna say because I went through with a lot of staff members and even myself personally, everyone getting their first homes over the last five to six years. And Mhmm. when I first started, we were looking in Pimpama and Coomera. And Yep. That's where I live Probably, now. it was. 350, 400,000. And now, like you're saying, there's $7,800,000 very quickly, and Yep. it'll it will need somewhat of a deposit to do it. I know there are a lot of first home assistance and grants and things like that, so Brooke will be the best person there. But if Yeah. hopefully, if you can get it within, say, twenty four to thirty six months, Mhmm.","start_word":7481,"end_word":7603,"sentiment":"neutral","sentiment_score":0.03369557857513428},{"text":"definitely seems achievable.","start_word":7604,"end_word":7606,"sentiment":"positive","sentiment_score":0.38213303685188293},{"text":"But, again, on the one income, a little bit rough, but two bedroom to start with sounds pretty good to Yeah. I've not got high hopes. That's for sure. But, you know, just a foot in the door is, you know, all I'm really after. I'm not not too fussy. me. Yeah. And it's one of those things too. Some people that I know have started with, like, a townhouse, and then just after a couple of years, it's gone up in value, and they've been able to borrow into a larger home and Yes. possibly have the you know, rent out the current one or sell it off, whatever your preference is, and just take a couple of steps on the ladder to get to that Yeah.","start_word":7607,"end_word":7734,"sentiment":"neutral","sentiment_score":0.12994936108589172},{"text":"actual decent home.","start_word":7735,"end_word":7737,"sentiment":"positive","sentiment_score":0.3980332612991333},{"text":"Yep. If it's any consolation, I actually quit searching in Pimpama and moved up more towards Logan for the first house, and Mhmm. that that trimmed a couple 100,000 off, but it wasn't fun living there for a few years. And No.","start_word":7738,"end_word":7779,"sentiment":"neutral","sentiment_score":-0.05532587780838921},{"text":"And it's hard because we're at work.","start_word":7780,"end_word":7786,"sentiment":"negative","sentiment_score":-0.36799824237823486},{"text":"Like, I've thought about that too, like, moving further up. But while I'm working at the Robina Hospital and at uni in Coolingatta, like, it just makes things so hard. Yeah. And no one wants to sit on the m one for an hour to an hour and a half every morning Yeah. just to God, get ma'am. to work. Yeah.","start_word":7787,"end_word":7847,"sentiment":"neutral","sentiment_score":-0.1847957819700241},{"text":"Perfect. Perfect.","start_word":7848,"end_word":7849,"sentiment":"positive","sentiment_score":0.5329397916793823},{"text":"One last one I was gonna ask you, Angela, is just to do with the estate side of things and the cover that you don't have. So Okay. Mhmm. whenever we go through insurance advice, we do have to talk about life insurance, disability, and income protection. But there's also trauma insurance as well, which is for, like, lump sums for heart attack, stroke, and cancer, but you can Mhmm. only purchase it out of pocket given that your actual all of your goals revolve around building your savings, holidays, deposits, bonds, it doesn't sound like you would like to get a quote or additional No. It's insurances out of pocket. not even really something I thought about. No. That's totally fair. I just have to bring it up as an option because there are four cover types. It's just that's the one that probably suits you the least at the moment. Yeah. Then with the estate planning side of things, so you do have the two children. Have you got your beneficiaries organized through the super? Because that links to the life insurance. I did it while I was still married. Yeah. So, yeah, it's set up that my my husband gets 80% and then the kids get a a 10% each that'll be put away. Yep.","start_word":7850,"end_word":8067,"sentiment":"neutral","sentiment_score":0.003958283457905054},{"text":"And, I mean, reasonably, I'm happy to keep it at that because if something were to happen to me, he would have to be the whole he would be the the parent. So I'm happy for him Yeah.","start_word":8068,"end_word":8105,"sentiment":"positive","sentiment_score":0.3848724067211151},{"text":"to receive that still to go towards the care of the kids and stuff. Because as a guardian, he would receive the funds anyway or be in control of the funds if Yeah. even if you left them to the children as well.","start_word":8106,"end_word":8148,"sentiment":"neutral","sentiment_score":0.20795884728431704},{"text":"So that makes sense. Yeah. And I trust him. He's he's pretty responsible and pretty reasonable in that. Like, I don't have to worry that he's gonna be inappropriate with them or anything like that. So I feel pretty confident Okay. that that's set up well for us. Alright.","start_word":8149,"end_word":8197,"sentiment":"positive","sentiment_score":0.582737922668457},{"text":"The only option I was gonna sort of bring to the table is you can do things like a testamentary trust wills. So if you put in place a will, you can direct your super life insurance in there, and then it creates a trust fund when you pass. Okay. And then you can be a bit more specific in how that's distributed out to the kids, whether it's, you know, an income for them to to live on until they're 18 before they receive a lump sum. So it's a bit more flexible that way.","start_word":8198,"end_word":8293,"sentiment":"neutral","sentiment_score":0.21728266775608063},{"text":"But if you trust him, you know, happy to abide by your wishes.","start_word":8294,"end_word":8306,"sentiment":"positive","sentiment_score":0.4636386334896088},{"text":"Just wanted to broach that as an option. Yeah. No. I'm pretty happy because I think it'll more it'll if it they if anything would've happened to me, like, now ish while they're still quite little, it would all be very reasonable to go towards, like, the care of the kids until they're 18 or whatever. And then, you know, Yeah. if there is anything left over, then great. But I, you know, I wouldn't expect that that there would be, you know, like, a lump sum to give them or anything. It's purely just to make sure that he's not burdened if anything would happen to me. So then I have to become the sole carer.","start_word":8307,"end_word":8423,"sentiment":"neutral","sentiment_score":0.22412145137786865},{"text":"Perfect.","start_word":8424,"end_word":8424,"sentiment":"positive","sentiment_score":0.6923725605010986},{"text":"And there's no other assets to to worry about.","start_word":8425,"end_word":8433,"sentiment":"neutral","sentiment_score":0.3116341829299927},{"text":"It's just the sort of the super and the savings is the main two at the moment?","start_word":8434,"end_word":8450,"sentiment":"positive","sentiment_score":0.3493747115135193},{"text":"Yeah. I bought my car, which is a novated lease, and he, you know, he bought out he bought out half of one of our other cars that I own, so he has that, but everything else is, you know, fine. Yeah. Do you mind if I just note down a bit of a an approximate sale value for the car? I know it is linked to an evaded lease, but do you know the approximate value for No idea. it? Yeah. That's No okay. idea. It's a 2024 Mitsubishi Eclipse Cross. I think it's something like 24,000 something at the moment, maybe, if I had to guess. Yep. That's easy enough. Again, we don't need to factor in selling your car to your financial plan, but it just counts as an asset. Yeah. Okay. No other shares or crypto or anything floating around? No. God.","start_word":8451,"end_word":8596,"sentiment":"neutral","sentiment_score":0.021418865680796643},{"text":"That's so confusing.","start_word":8597,"end_word":8599,"sentiment":"negative","sentiment_score":-0.3952847719192505},{"text":"Totally fair. And so at the moment, what I wanted to ask you as well is just on your documentation through QSuper. So you've gone through a separation. I did notice your name came through as Boyle, but your email's under Watson. I was just Yeah. double So checking. Watson Watson's the married name, Yep. and Boyle's my maiden name. I just haven't changed my license back to Boyle or anything yet, but I for most things, I go by Boyle. Perfect. It's So your just ID my would license. be under Watson, though. Yeah. Yep. K. And what is your super reflect? Is that under Watson as well? It's under Boyle. Everything through work, even my novaited lease is Boyle because I never changed my surname with work. Just the, like, confidentiality, it just made it easy to have a different surname. Yep. Perfect. So that's all oil. Okay. And you are going through the process of, I guess, reverting everything back to to boil over time? Yeah.","start_word":8600,"end_word":8768,"sentiment":"neutral","sentiment_score":0.01296175830066204},{"text":"I'm just really lazy with it.","start_word":8769,"end_word":8774,"sentiment":"negative","sentiment_score":-0.4382835030555725},{"text":"Oh, it's probably not the most fun thing to be spending your weekend or weekdays doing when you do get a bit of time No. with two And kids we going were on. married Let me make for sure I update. I was gonna say we were only married for, like, not quite three years, so I feel like I only just changed it all over us. I'm like, I'm really just not driven Yeah. No. Totally fair. And would you who would you put down as kind of, like, an emergency contact or next of kin? Because, obviously, it's you and the kids. to do Would it. Yep. you put your partner down, sibling, parents? No. I probably put my mom. Yep. Alright. So as we get through towards the end of the process, we may actually put down her details as emergency contact. Yep. Don't need them at this time. Alright. Yeah. I pretty much just need to go through a couple of quick questions regarding the health side of things, if that's okay. Because I've got everything from an occupational side of things. That'll get Yep. us our occupation rating. In terms of insolvency, I'm assuming because you're working with Brooke that you've never gone through, like, a bankruptcy or debt agreement before. No. No. I've I've I've never really had, like, issues with debt or anything.","start_word":8775,"end_word":9004,"sentiment":"neutral","sentiment_score":-0.09312839352566264},{"text":"I used to have some debt, but, like, I've managed to, like, pay it all down, and I've not opened up any new debt since because I just don't I don't really love it.","start_word":9005,"end_word":9038,"sentiment":"negative","sentiment_score":-0.3769667148590088},{"text":"No. That's totally fair. Do we have a current will or power of attorney in place? No. Perfect. And smoking status. I don't smoke. Super Not asthmatic. smoking. Super smart. Totally fair. Now when you went through all of the applications for Qsuvie, you would have gone through the underwriting process. Did they give you any exclusions or loadings that you can recall due to previous health concerns? No. Not that I know of. K. And do you know what year you did the increase through QSuper? My best guess would be somewhere around 2020, 2021, Yep. '20 maybe. '22. Rank COVID time. Sounds about right. About when my that one I changed jobs.","start_word":9039,"end_word":9152,"sentiment":"neutral","sentiment_score":-0.022052826327190064},{"text":"Perfect.","start_word":9153,"end_word":9153,"sentiment":"positive","sentiment_score":0.6680965423583984},{"text":"Okay. Change. Alright. So the last couple of questions, probably the most sensitive ones to ask, Okay. but I just need to grab a height and weight for BMI calculations, if that's Yeah. It's okay. I'm a hundred and fifty eight centimeters, okay. Yep. and I weigh sixty seven kilos. Sixty seven, and that's one fifty eight centimeters. Yeah. I'm tiny.","start_word":9154,"end_word":9214,"sentiment":"neutral","sentiment_score":0.07258602231740952},{"text":"Perfect.","start_word":9215,"end_word":9215,"sentiment":"positive","sentiment_score":0.63423752784729},{"text":"And is there any kind of medications or major diagnosis that you've had pretty much going back as far as you can remember that I need to factor in for I guess what we do is a bit of a field underwriting. I will call the insurers anonymously and go Mhmm. through any health concerns just to see if they would give you any exclusions or loadings or issues, and that Okay. way I can best advise who to go through. Okay. I've been treated for depression for for a long time, like, a long like, 2016 maybe is when Yep. I started. 2016. So I'm assuming it was through, like, GP to start with, Yeah. a specialist after that, or just through GP? GP and then the psychiatrist after, and then I haven't seen anyone in years. I could just be managed with the GP as needed.","start_word":9216,"end_word":9363,"sentiment":"neutral","sentiment_score":-0.049820590764284134},{"text":"Perfect.","start_word":9364,"end_word":9364,"sentiment":"positive","sentiment_score":0.40132632851600647},{"text":"So 2016 GP psychiatrist, and it's just been medicated the whole way through from, I guess, 2016 till now. Yep. And if you don't mind me asking, which medication do they have you on? Escitalopram, so, like, Lexapar. Lexapro, citalopram. Always fun trying to spell these things. K. So you got that. And do you know how many times you would have seen the psychiatrist originally? Was it all just in 2016 a few times, or was it over the span of a few years? No. It was just a few times in 2016, like, maybe over a period of twelve months, and then it's, like, been fine since It's really interesting. So whenever it comes to, like, mental health, the insurance companies are pretty kind of backwards with it, where at the yeah. moment there's any kind of, like, you've been diagnosed with this and you're medicated and treated, they basically go, boom, there's an exclusion for mental health. Yeah. Now they're getting close to the point where they actually are flipping their script and saying people are actually seeking treatment and keeping stable and taking their medication and seeing specialists, that's what they wanna see. So Yeah. they're actually gonna flip that. But for the time being, it still leads to all of these exclusions. So I'm Yeah. just That's gonna good. be very wary on, okay.","start_word":9365,"end_word":9593,"sentiment":"neutral","sentiment_score":-0.05771279891375371},{"text":"I'm not gonna recommend you switch to another insurer if all of a sudden that leads to you having exclusion that you don't currently have.","start_word":9594,"end_word":9618,"sentiment":"negative","sentiment_score":-0.3345620930194855},{"text":"Yeah. It's difficult too because it's something that it's a part of my employment. Like, I work in a field that uses lived experience of mental health as part of my job. So I Yeah. can't even, like, pretend that it doesn't exist. It's Exactly literally on my right. face. Was there anything else that you've been sort of hospitalized for? Any other diagnoses that I need to sort of run by them? The only other thing I could think of was is that I had a weight loss surgery two years ago, so my health has actually improved since then. Yeah. Right. Fantastic. You sure I may ask you which surgery was that? On a gastric sleeve. Gastric sleeve. Oh, wow. Fantastic. Gastric sleeve. And that was just did you pay out of pocket for that one? Or Through my private health insurance. private health. Fantastic. If you don't mind me asking, they always ask any significant weight loss in the last twelve to twenty four months. Mhmm. How many kilos were you able to drop since you had it? 40. Four. 40. 40. Oh my god.","start_word":9619,"end_word":9806,"sentiment":"neutral","sentiment_score":0.009656721726059914},{"text":"That is amazing. Congratulations. Thank you. That's pretty cool.","start_word":9807,"end_word":9815,"sentiment":"positive","sentiment_score":0.6076012849807739},{"text":"I had a a friend, really dear friend of mine who he just hit the sort of two hundred kilo mark and he got the sleeve done, and he just couldn't break below a 100. He got himself down to, like, one ten over a few Yeah. years, Right. but just never got to break the 100, and he always wanted to. But, again, Yep.","start_word":9816,"end_word":9880,"sentiment":"neutral","sentiment_score":0.008223856799304485},{"text":"eighty, ninety kilos was still pretty good and definitely Pretty incredible. saved his Yeah.","start_word":9881,"end_word":9894,"sentiment":"positive","sentiment_score":0.4108451604843139},{"text":"health. Absolutely. And, like, I I actually had a bit of an opposite problem. I got to a point where I was struggling to maintain a weight, and I was sort of, like, dropping and dropping and dropping, and I thought I'm gonna have to really like, I've been working really hard the last six months to just sort Bump of it maintain up a little bit. Yep. yeah. Yep. A healthy, not too low of a weight, which is such a crazy thing to have to do when you are used to being overweight. Yeah. So what I'm sort of leaning towards, Angela, is when we look at the the cover that you've got in QSuper is you have a heap of insurances that you're currently paying for, like, a a decent amount that you're paying for. Mhmm. Part of that price is because you've of your occupation, of course, and you don't currently have that large liability. You don't have the mortgage yet. So Mhmm. the question I really have to ask is, do you wanna try and maintain all of this cover for when you do get a home, or do you think it would be ideal to maybe look at reducing it to save on the premiums a bit? Like, if your super can No. handle it and it's growing fantastically, I'd be happy to just leave it because, honestly, the less amount of paperwork and remembering I have to do down the line, the better. Absolutely. So the really, the the main thing is just trying to maybe jiggle around the income protection a little bit. And Mhmm. one thing that you can kind of lean towards is once you've got that degree finished and if you do move to being an occupational therapist, you're going to be improving your occupation rating. You'll be degree qualified, still hopefully on six figures, and Mhmm. slightly less risk, I guess they call it. I mean, it's kind of like going from a five to a four, but still technically less risk. So one thing that you should pretty much do is once you do get into that field and you finish your degree is even just call QSuper or whichever insurer you're with and just update your occupation with them. Because if they can give you a better rating, they'll actually just apply it to your policy and drop Yep. your premiums down. Yeah.","start_word":9895,"end_word":10301,"sentiment":"neutral","sentiment_score":0.07493544572218337},{"text":"Cool. Cool. Because at the moment, it seems like you can afford to have that much life and disability.","start_word":10302,"end_word":10320,"sentiment":"positive","sentiment_score":0.40268808603286743},{"text":"The only issue I've got is the income protection's got a sixty day wait, which Yeah. then you can't really last that long. But if you bump it to thirty days now, that's gonna jump the price up as well. Yep. So I'll get a bit of a quote done just to see what it may look like. And I when I get that statement through from you, I just wanna double check if there's any loadings or anything applied to the policy. Because Mhmm. if you put that in place back in 2020, 2021, maybe there will be some loading that you can review and get removed to reduce the price as well. Okay. Perfect. So I have thrown quite a bit of information at you so far. Any burning questions coming up so far for you? Nope. All good.","start_word":10321,"end_word":10461,"sentiment":"neutral","sentiment_score":0.03798503056168556},{"text":"Awesome, Angela.","start_word":10462,"end_word":10463,"sentiment":"positive","sentiment_score":0.4296083450317383},{"text":"So what I'll basically do from here is I'm gonna get the team to email you through our financial services guide. If Mhmm. you could just respond with your q super statement so I can double check Yep. some of these details. I will pretty much do some underwriting research and some quotes for you, and then they'll get you booked back in for a bit of a a follow-up with me. And if there's something Yep. we can do, we'll put together a plan. If not, I'll give you a few tips and ideas.","start_word":10464,"end_word":10558,"sentiment":"neutral","sentiment_score":0.14607773344767722},{"text":"Okay. Cool. Awesome.","start_word":10559,"end_word":10561,"sentiment":"positive","sentiment_score":0.549386203289032},{"text":"Any last questions for me before I let you go? No. All good.","start_word":10562,"end_word":10574,"sentiment":"neutral","sentiment_score":0.23389975726604464},{"text":"Well, Angela, it was lovely meeting you today. I've got everything that I need, so I'm gonna go dive into it.","start_word":10575,"end_word":10595,"sentiment":"positive","sentiment_score":0.6666761636734009},{"text":"Are you okay to email back through that statement possibly this week for a bit Yeah. of a follow-up I've got it in for front the of me end of right now. So as ah, soon as beautiful. I get your email, I'll send it Do you have a pen and paper through. handy by chance? Yes. I do. Give me one second. Yep. Cool. So the best email address is info, so I n f o, and then Mhmm. it's literally @oakviewfinancial.com.au. So I know it's a bit of a long one. Dot com dot a u. Correct. And then the team will send you through our both of our guides, bit of info about us. And what I might do as well is I probably need around about a week to do the research. Is Okay. there sort of best times and days to contact you? It varies every week, honestly, because of the shift work. Yep. So once we get the the statement and do our research, do you want the team to just give you a bit of a text and an email just to organize a time with you? Yeah.","start_word":10596,"end_word":10790,"sentiment":"neutral","sentiment_score":0.07961080223321915},{"text":"That would be good. Fantastic. Awesome. Well, thank you so much for your time today. I will leave you to it, and we will be in touch next week. Awesome. Thank you so much. Thanks, Angela. Have a fantastic day. Thank you. Bye.","start_word":10791,"end_word":10833,"sentiment":"positive","sentiment_score":0.6601391434669495}],"average":{"sentiment":"neutral","sentiment_score":0.09141051411927809}}}}