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Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you. Do you still have a bit of time for me? Perfect. Now I do have all of your information up in front of me, the budget planner that you completed, your fact file with all of your details. Do you mind if I just do the usual security check with you, please? Perfect. So I'm registered with Atticus adviser 1273105. Could you please confirm your date of birth and address? Sensational. Thank you for that, Leah. Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting advice. Is that right? Cool. Now I'm having a quick look at the history on your file there. It looks like you did talk to Brooke, one of the mortgage brokers for a bit of a review. Did anything come of that to help with the mortgage? Yeah. And to be honest, like, if you're still on the AMP loan, that's a little bit under 6% or about to jump up to 6%, like, that's still a pretty decent rate in comparison. There's not too many floating around that are much better than that. Yeah. Yeah. Yep. 6.19, and it might jump up a little bit more. Yep. Awesome. Okay. $9.75 per week. One of the things that I can definitely see is, like, just based on the budget planner that you filled out, you've got a really good ratio of how you're splitting your money. Like, one of the things that I tend to do with people is just kind of proportion things between, like, what's an expense, what's kind of, like, your fund money, what's your savings, that kind of thing, just to get a bit of a percentage going. Have you ever done that before? Yeah. And that's the thing too is because on paper, like you said, the ratios I'm looking at, you you're sitting at about 60% for expenses, which is pretty well perfect. Splurge in fund money under 20% is really good. And then it says that you've got a pretty large surplus, which if I just plug that surplus on on paper into a mortgage calculator, you're knocking twenty years off the mortgage. It could be done in in ten. You know what I mean? So one of the things I wanna just quickly ask you, which may be helpful, just in terms of your structure, do you use, like, a a redraw account, offset account? How have you got structured? Sensational. And the caravan, there's a bit of a caravan loan there. It looks pretty low on this issue in terms of repayments. It's not too expensive. Yep. $9.80 a month and 175,000 oh, sorry. One second. I'm just gonna do a quick calculation. Times 12. So it's about $12 a year coming out of that. You're on about a 175,000 take home pay. So it is a decent chunk at about six or 7% of your, like, combined take home pay. So it's definitely eating into things a little bit. I'm just making a quick note of that. And one of the things that I definitely wanna say off the bat is that I'm coming across the a similar situation for people living in Victoria and New South Wales with really good incomes, you know, that $200,000 combined mark, And everyone's kind of doing everything right except for those things a week to week. But mortgage rates up, groceries up, electricity is up, cost of living, bills, everything's kind of all jumped up really, really significantly. And when the government talks about a 3% inflation rate, that doesn't really include everything. So even, like, what you've seen, grocery's been $3.03 50 a week. That's still quite a jump from where it was five, ten years ago. So there's some things that are kind of out of our control and it's kind of a time based thing where this type of cost of living issue, it's never permanent, but it can last for a number of years. So if this was your income five years ago, you guys would have an extra and possibly 20,000 per year just based on every single item added. So, yes, I hear what you're saying before about overspending on a week to week because on paper it looks good, but you're also being hit from that five different directions between all the loans and everything else that's jumped up. Yeah. Yep. Yeah. Yeah. And that's what I'm telling a lot of people too is, like, you can't try and script and save every single little thing to the point where you can't even enjoy living and you're just working to live rather than you know what I mean? Having a caravan is not a make or break for your life. It's a it's a period of time as well. There's little tricks that you can do. Like, for example, if you've got all those offset accounts, if you're parking your caravan repayments in there to offset the mortgage for the month before it goes out to pay for the caravan repayment, little things like that can stack up a little bit if you're if you feel like you're doing that. Yep. Yeah. So I think the two things is if you've got your five offset accounts and you're already splitting everything and you're parking your cash there until the big bills go out, that's amazing. Like I said, on paper, if you pumped all of that into offset and actually built it up over time, your mortgage would flood out very, very quickly. And so that really just points to that that week to week issue that you're talking about. Look. It happens to kind of I keep saying it happens to everyone. My my wife, for example, she gets staff discounts with Myer, And it's very easy while she's at work to just go, oh, look, we need this, we need this, we need this. And all of a sudden, there's 75 transactions with Myer for the year. And if you look at it over a year, you go, oh, that's x amount of thousands of dollars, but we only really thought we'd spend half of that on that type of thing. So the only two things that you can really do is like, it's painful, but getting very, very granular with your budget for a week, a month, and a quarter, where you pretty much track everything that went out for that that week and try to get, like, a net zero position where you know where every dollar is going and you make sure it actually goes there kind of thing. And then what happens is something else pops up and it pulls it out there and that throws your budget out of whack. Just from a behavioral standpoint, one thing that's had a lot of success with our clients as well is planning shopping trips. And it's one of the things like, yeah, you can be out and you can spend a few $100 out of the nighttime. That's one thing. And the other thing is if you're, like, constantly doing those little purchases to actually build up some money for a period of time when you you just refuse to touch it for a fortnight or a month and then go on a big shopping trip with everybody and get all those things just based on what's been saved for it. Do you know what I mean? Yeah. And actually just that delayed gratification of saying, like, I've got something to look forward to, and I'm not gonna feel guilty at all for what I spend because I've put it aside specifically for that. There's zero guilt. It's a fun day, but it means that you're in control of it rather than everything going left, right, and center between you and your partner. And then when you look back on it two months later, you go, oh my god. It went here with that. Yeah. So your structure's perfect. Your income's great. You're not overspending on pretty much anything else. Like, when I'm looking at what you've put in, the groceries make sense. That's pretty common. You're not going overboard there. Some people, you know, they shop at Aldi and Costco, and they try and save that $40 a week on groceries, but that's not gonna make or break you guys. Your electricity is reasonable. Your insurances the school fees are reasonable. Spending a bit on toiletries in the gym and takeaway, Yeah. It can all add up, and that's kind of where everything goes. And if you're hard on yourself, you can trim it off and and decide you're not gonna do it for a year. And and it's kind of like a like a dieting exercise where people go, I'm gonna just eat chicken and broccoli and rice for twelve months to lose weight. That's not really sustainable, though. You could do that for a period of time, but like you said, you've gotta live as well. So the no. Go for it. Yeah. So when I look at what you've got listed for the savings, it says about $800 a month, which is about $200 a week. But when you add everything else up together, there's also about a $36,000 surplus sitting there that's not allocated to anything, which pretty much brings you to like, okay. Mortgage has jumped up a little bit, so let's quote 800 a week of cash flow on paper that's available to go either as a repayment or just piling into the offset to have the same effect. Now it's very, very hard for someone to consistently court $800 a week into savings for ten years and not have anything pop up that they need to spend it on. But it's something that is possible, and what that really means for you guys is that anywhere between your thirty years and your ten years, somewhere in between there is where you can get it to realistically. Yeah. Not even necessarily the home loan, but just putting into that one account that it's never used for anything. It's even if it's 400 a week where it's like that is just going to make sure the mortgage is trimmed off from thirty years to twenty years, and we're just not gonna touch that. Do you have that situation where you've got a lot of little expenses throughout the weeks, but you've also got those bigger ones throughout the year, like the like the little holiday or taking the family out that's a bit bigger as well, or how do you guys kind of operate? Yep. Yeah. Yeah. So it's definitely the little things. Yes. They'll top up. Yeah. Yeah. Yeah. Yep. I hear you completely. One of the things that would happen to me a lot is whenever we went shopping for something, I'd always be getting the kids, like, a toy or something or a bit of sushi or takeaway. And when I looked at it, that was $50.60 dollars done, and that was adding up to that. There was always an excuse to do that every couple of days. So one of the things that you can try as a bit of a flip is rather than saying, oh, I wanna put aside $800 a week into savings to pay off the mortgage, is focus on putting aside those timed spending and do that first. So when it comes to, again, going out, the holidays, the little purchases, all that kind of thing, is see if you can space it out where you know when you're gonna do it rather than it being just ad hoc between the two of you guys and random, essentially. And then once you've got that kind of behavior down the path, then there'll be less reasons to ever dip into the savings, and you can start that small. That can be 200 a week, and then aim for 400 a week after six months, and then see if you can maintain that for, you know, that second half of the year. So I would probably talk to James and say, hey. Let's again, you're gonna have to do that little sit down because you've already split everything and spread shaded it, planned for it as far as expenses goes. I don't want you guys to just, like, plan the fun things together so that you're getting the the dopamine hits on a regular basis, but it's a planned and controlled dopamine hit. So even if you do that for let's say you try and put the savings aside at 200 a week and then the other stuff, plan those little little and medium expenditures for about a month or so. And just decide between you guys the frequency that you're gonna be okay to do that for, whether it's waiting a week, a fortnight, or a month, and see if I can keep the the fund expenditure as a bit of a controlled kind of thing. Yeah. It's a bit of a reverse psychology because, again, it's always about let's trim everything down and bulk our savings up. I'd rather flip it around and get the behaviors right for the fund side that tends to cause the chaos. And then you start building up the savings the better and better you get at it. So even if you say we're gonna save nothing for the next two months, we're just gonna split everything up. We've got our expenses aside. That's great. And let's actually just put all of our cash flow into building up for the fun things. And then once you've done that for a month or two, then go, okay. This is working. It's not working. Make your adjustment, and then start putting aside that savings for, say, July to Christmas and see how you go. Even if you go I'm just trying to work out a few, like, little goals for you guys. Oh, sorry. If I go 200 a week for the year, make that into monthly, do about five of those. Your goal by the end of the year will probably end up being an additional, say, 5 to 10,000 in savings between July and Christmas. And then double that for the next year so that instead of 10,000 for six months, it becomes $2,030,000 for the year. That would be a fantastic year for you guys. Like, you don't have to try and put $50 away to catch your mortgage up multiple years. But imagine if in eighteen months' time, you've got an additional $2,530,000 dollars sitting there. Yep. So one thing that I'm I'm definitely gonna be, like, reiterating a lot is go guilt free for the next two months, but make it a planned fund and then try and hit that first small goal where it's you're still having all the fun, and then there's that $5 building up in the background for Christmas, and then start increasing it next year. And low and behold, hopefully, interest rates drop next year, and then you get a little bit extra. Yeah. And look, we're we're still what? You guys are still in your thirties? Yep. So with your good incomes, you got the family, living a fun, comfortable life. If you're building up by the time you're $4,050,000 dollars in an offset account, that's a pretty good goal. And then from 40 to 50, once all the kids are kind of in school or off school and things like that, that's when you start making that big leap, and you've got hundreds of thousands building up in equity or investments. You pretty much gonna take it as like a life stages thing every five to ten years. All you've gotta do, Leah, is pretty much try to make those the next five years. That habit building where you do progress closer to what you wanna do, but you're not trying to go all or nothing. You're not trying to go broccoli and chicken. Can I be honest with you? I did the exact same thing. I've been in the industry for twelve years. I did the same thing six years ago where I told my wife, we're gonna have the mortgage paid off. I told her in four years. And over that four years, we made not a single dent into extra net repayments for the mortgage, and I doubled my income. We had we got the best deal ever in terms of a 2% interest rate, and I'm actually saving more now at a 6% interest rate than when I was in a 2%. And that was our thing. It was just like we got the kids there. There was always something little to do it on. And then I look back. I I did a spreadsheet from our bank and then, how did we spend an extra $70,000? It's exactly right. If you're not watching it like a hawk, it goes. But the problem is is if you try and, like, watch it every single day and account for every dollar, it becomes suffocating as well. Exactly right. Exactly right. Yeah. So you've got that budget planner there as a bit of a guide in reference of what is possible in an ideal scenario. Then it's pretty much like, yep. Let's focus on getting the fun habits right and making sure that the guilt is gone and that we're doing the things that we wanna do. And then we build that habit towards the savings goals after that. And every three months or so, we can just have a little bit of an update. If we actually look back at all the things, did we expend what we said we were going to on these areas? Which ones did we overspend off? And then you can space that out by an extra week. You can maybe trim down a little bit or put a bit more in there so it's actually in there rather than dipping into savings. So I would kind of split into about four or five different steps. And do you think you guys can do that? Yeah. Yeah. Maybe just tell James and say, hey. Look. I I talked to the senior adviser. He doesn't want us to go broccoli and chicken breast and go high for saving. He wants us to focus on structuring the fund more first, and then we'll have another catch up in a few months' time, see how you've gone. And then we can hopefully from then set that first savings goal at our next catch up. Cool. And look, again, I'll repeat. It's not a permanent thing, the situation that we're in economically, and it may feel like you're kind of spinning your wheels. And look, we're earning good money. We should be in a better position. Everybody across every state is doing the same problems. Yeah. And, again, my life kind of split into three stages where we script and save when we're on low incomes to get a mortgage, then we doubled our incomes and spent all of it. And then we got the habits right, and all of a sudden things are starting to flow properly. So you can do it. Just gonna be take it easy on yourself a little bit. And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction. No worries, Lance. Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up. Fantastic. I will get that off to you. Do you have any questions for me before I let you go? Yeah. Yep. Yeah. Chat to James and reach out if you need to. Awesome. You have a fantastic weekend, and thank you so much for your time. Thank you. 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Leo. It's Tommy here, senior adviser from. How are you going today? I'm doing fantastic. It's a beautiful freezing Friday, but happy Friday to you.\n\nNo worries. Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you. Do you still have a bit of time for me? Perfect. Now I do have all of your information up in front of me, the budget planner that you completed, your fact file with all of your details.\n\nDo you mind if I just do the usual security check with you, please? Perfect. So I'm registered with Atticus adviser 1273105. Could you please confirm your date of birth and address? Sensational.\n\nThank you for that, Leah. Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting advice. Is that right? Cool. Now I'm having a quick look at the history on your file there.\n\nIt looks like you did talk to Brooke, one of the mortgage brokers for a bit of a review. Did anything come of that to help with the mortgage? Yeah. And to be honest, like, if you're still on the AMP loan, that's a little bit under 6% or about to jump up to 6%, like, that's still a pretty decent rate in comparison. There's not too many floating around that are much better than that.\n\nYeah. Yeah. Yep. 6.19, and it might jump up a little bit more. Yep.\n\nAwesome. Okay. $9.75 per week. One of the things that I can definitely see is, like, just based on the budget planner that you filled out, you've got a really good ratio of how you're splitting your money. Like, one of the things that I tend to do with people is just kind of proportion things between, like, what's an expense, what's kind of, like, your fund money, what's your savings, that kind of thing, just to get a bit of a percentage going.\n\nHave you ever done that before? Yeah. And that's the thing too is because on paper, like you said, the ratios I'm looking at, you you're sitting at about 60% for expenses, which is pretty well perfect. Splurge in fund money under 20% is really good. And then it says that you've got a pretty large surplus, which if I just plug that surplus on on paper into a mortgage calculator, you're knocking twenty years off the mortgage.\n\nIt could be done in in ten. You know what I mean? So one of the things I wanna just quickly ask you, which may be helpful, just in terms of your structure, do you use, like, a a redraw account, offset account? How have you got structured? Sensational.\n\nAnd the caravan, there's a bit of a caravan loan there. It looks pretty low on this issue in terms of repayments. It's not too expensive. Yep. $9.80 a month and 175,000 oh, sorry.\n\nOne second. I'm just gonna do a quick calculation. Times 12. So it's about $12 a year coming out of that. You're on about a 175,000 take home pay.\n\nSo it is a decent chunk at about six or 7% of your, like, combined take home pay. So it's definitely eating into things a little bit. I'm just making a quick note of that. And one of the things that I definitely wanna say off the bat is that I'm coming across the a similar situation for people living in Victoria and New South Wales with really good incomes, you know, that $200,000 combined mark, And everyone's kind of doing everything right except for those things a week to week. But mortgage rates up, groceries up, electricity is up, cost of living, bills, everything's kind of all jumped up really, really significantly.\n\nAnd when the government talks about a 3% inflation rate, that doesn't really include everything. So even, like, what you've seen, grocery's been $3.03 50 a week. That's still quite a jump from where it was five, ten years ago. So there's some things that are kind of out of our control and it's kind of a time based thing where this type of cost of living issue, it's never permanent, but it can last for a number of years. So if this was your income five years ago, you guys would have an extra and possibly 20,000 per year just based on every single item added.\n\nSo, yes, I hear what you're saying before about overspending on a week to week because on paper it looks good, but you're also being hit from that five different directions between all the loans and everything else that's jumped up. Yeah. Yep. Yeah. Yeah.\n\nAnd that's what I'm telling a lot of people too is, like, you can't try and script and save every single little thing to the point where you can't even enjoy living and you're just working to live rather than you know what I mean? Having a caravan is not a make or break for your life. It's a it's a period of time as well. There's little tricks that you can do. Like, for example, if you've got all those offset accounts, if you're parking your caravan repayments in there to offset the mortgage for the month before it goes out to pay for the caravan repayment, little things like that can stack up a little bit if you're if you feel like you're doing that.\n\nYep. Yeah. So I think the two things is if you've got your five offset accounts and you're already splitting everything and you're parking your cash there until the big bills go out, that's amazing. Like I said, on paper, if you pumped all of that into offset and actually built it up over time, your mortgage would flood out very, very quickly. And so that really just points to that that week to week issue that you're talking about.\n\nLook. It happens to kind of I keep saying it happens to everyone. My my wife, for example, she gets staff discounts with Myer, And it's very easy while she's at work to just go, oh, look, we need this, we need this, we need this. And all of a sudden, there's 75 transactions with Myer for the year. And if you look at it over a year, you go, oh, that's x amount of thousands of dollars, but we only really thought we'd spend half of that on that type of thing.\n\nSo the only two things that you can really do is like, it's painful, but getting very, very granular with your budget for a week, a month, and a quarter, where you pretty much track everything that went out for that that week and try to get, like, a net zero position where you know where every dollar is going and you make sure it actually goes there kind of thing. And then what happens is something else pops up and it pulls it out there and that throws your budget out of whack. Just from a behavioral standpoint, one thing that's had a lot of success with our clients as well is planning shopping trips. And it's one of the things like, yeah, you can be out and you can spend a few $100 out of the nighttime. That's one thing.\n\nAnd the other thing is if you're, like, constantly doing those little purchases to actually build up some money for a period of time when you you just refuse to touch it for a fortnight or a month and then go on a big shopping trip with everybody and get all those things just based on what's been saved for it. Do you know what I mean? Yeah. And actually just that delayed gratification of saying, like, I've got something to look forward to, and I'm not gonna feel guilty at all for what I spend because I've put it aside specifically for that. There's zero guilt.\n\nIt's a fun day, but it means that you're in control of it rather than everything going left, right, and center between you and your partner. And then when you look back on it two months later, you go, oh my god. It went here with that. Yeah. So your structure's perfect.\n\nYour income's great. You're not overspending on pretty much anything else. Like, when I'm looking at what you've put in, the groceries make sense. That's pretty common. You're not going overboard there.\n\nSome people, you know, they shop at Aldi and Costco, and they try and save that $40 a week on groceries, but that's not gonna make or break you guys. Your electricity is reasonable. Your insurances the school fees are reasonable. Spending a bit on toiletries in the gym and takeaway, Yeah. It can all add up, and that's kind of where everything goes.\n\nAnd if you're hard on yourself, you can trim it off and and decide you're not gonna do it for a year. And and it's kind of like a like a dieting exercise where people go, I'm gonna just eat chicken and broccoli and rice for twelve months to lose weight. That's not really sustainable, though. You could do that for a period of time, but like you said, you've gotta live as well. So the no.\n\nGo for it. Yeah. So when I look at what you've got listed for the savings, it says about $800 a month, which is about $200 a week. But when you add everything else up together, there's also about a $36,000 surplus sitting there that's not allocated to anything, which pretty much brings you to like, okay. Mortgage has jumped up a little bit, so let's quote 800 a week of cash flow on paper that's available to go either as a repayment or just piling into the offset to have the same effect.\n\nNow it's very, very hard for someone to consistently court $800 a week into savings for ten years and not have anything pop up that they need to spend it on. But it's something that is possible, and what that really means for you guys is that anywhere between your thirty years and your ten years, somewhere in between there is where you can get it to realistically. Yeah. Not even necessarily the home loan, but just putting into that one account that it's never used for anything. It's even if it's 400 a week where it's like that is just going to make sure the mortgage is trimmed off from thirty years to twenty years, and we're just not gonna touch that.\n\nDo you have that situation where you've got a lot of little expenses throughout the weeks, but you've also got those bigger ones throughout the year, like the like the little holiday or taking the family out that's a bit bigger as well, or how do you guys kind of operate? Yep. Yeah. Yeah. So it's definitely the little things.\n\nYes. They'll top up. Yeah. Yeah. Yeah.\n\nYep. I hear you completely. One of the things that would happen to me a lot is whenever we went shopping for something, I'd always be getting the kids, like, a toy or something or a bit of sushi or takeaway. And when I looked at it, that was $50.60 dollars done, and that was adding up to that. There was always an excuse to do that every couple of days.\n\nSo one of the things that you can try as a bit of a flip is rather than saying, oh, I wanna put aside $800 a week into savings to pay off the mortgage, is focus on putting aside those timed spending and do that first. So when it comes to, again, going out, the holidays, the little purchases, all that kind of thing, is see if you can space it out where you know when you're gonna do it rather than it being just ad hoc between the two of you guys and random, essentially. And then once you've got that kind of behavior down the path, then there'll be less reasons to ever dip into the savings, and you can start that small. That can be 200 a week, and then aim for 400 a week after six months, and then see if you can maintain that for, you know, that second half of the year. So I would probably talk to James and say, hey.\n\nLet's again, you're gonna have to do that little sit down because you've already split everything and spread shaded it, planned for it as far as expenses goes. I don't want you guys to just, like, plan the fun things together so that you're getting the the dopamine hits on a regular basis, but it's a planned and controlled dopamine hit. So even if you do that for let's say you try and put the savings aside at 200 a week and then the other stuff, plan those little little and medium expenditures for about a month or so. And just decide between you guys the frequency that you're gonna be okay to do that for, whether it's waiting a week, a fortnight, or a month, and see if I can keep the the fund expenditure as a bit of a controlled kind of thing. Yeah.\n\nIt's a bit of a reverse psychology because, again, it's always about let's trim everything down and bulk our savings up. I'd rather flip it around and get the behaviors right for the fund side that tends to cause the chaos. And then you start building up the savings the better and better you get at it. So even if you say we're gonna save nothing for the next two months, we're just gonna split everything up. We've got our expenses aside.\n\nThat's great. And let's actually just put all of our cash flow into building up for the fun things. And then once you've done that for a month or two, then go, okay. This is working. It's not working.\n\nMake your adjustment, and then start putting aside that savings for, say, July to Christmas and see how you go. Even if you go I'm just trying to work out a few, like, little goals for you guys. Oh, sorry. If I go 200 a week for the year, make that into monthly, do about five of those. Your goal by the end of the year will probably end up being an additional, say, 5 to 10,000 in savings between July and Christmas.\n\nAnd then double that for the next year so that instead of 10,000 for six months, it becomes $2,030,000 for the year. That would be a fantastic year for you guys. Like, you don't have to try and put $50 away to catch your mortgage up multiple years. But imagine if in eighteen months' time, you've got an additional $2,530,000 dollars sitting there. Yep.\n\nSo one thing that I'm I'm definitely gonna be, like, reiterating a lot is go guilt free for the next two months, but make it a planned fund and then try and hit that first small goal where it's you're still having all the fun, and then there's that $5 building up in the background for Christmas, and then start increasing it next year. And low and behold, hopefully, interest rates drop next year, and then you get a little bit extra. Yeah. And look, we're we're still what? You guys are still in your thirties?\n\nYep. So with your good incomes, you got the family, living a fun, comfortable life. If you're building up by the time you're $4,050,000 dollars in an offset account, that's a pretty good goal. And then from 40 to 50, once all the kids are kind of in school or off school and things like that, that's when you start making that big leap, and you've got hundreds of thousands building up in equity or investments. You pretty much gonna take it as like a life stages thing every five to ten years.\n\nAll you've gotta do, Leah, is pretty much try to make those the next five years. That habit building where you do progress closer to what you wanna do, but you're not trying to go all or nothing. You're not trying to go broccoli and chicken. Can I be honest with you? I did the exact same thing.\n\nI've been in the industry for twelve years. I did the same thing six years ago where I told my wife, we're gonna have the mortgage paid off. I told her in four years. And over that four years, we made not a single dent into extra net repayments for the mortgage, and I doubled my income. We had we got the best deal ever in terms of a 2% interest rate, and I'm actually saving more now at a 6% interest rate than when I was in a 2%.\n\nAnd that was our thing. It was just like we got the kids there. There was always something little to do it on. And then I look back. I I did a spreadsheet from our bank and then, how did we spend an extra $70,000?\n\nIt's exactly right. If you're not watching it like a hawk, it goes. But the problem is is if you try and, like, watch it every single day and account for every dollar, it becomes suffocating as well. Exactly right. Exactly right.\n\nYeah. So you've got that budget planner there as a bit of a guide in reference of what is possible in an ideal scenario. Then it's pretty much like, yep. Let's focus on getting the fun habits right and making sure that the guilt is gone and that we're doing the things that we wanna do. And then we build that habit towards the savings goals after that.\n\nAnd every three months or so, we can just have a little bit of an update. If we actually look back at all the things, did we expend what we said we were going to on these areas? Which ones did we overspend off? And then you can space that out by an extra week. You can maybe trim down a little bit or put a bit more in there so it's actually in there rather than dipping into savings.\n\nSo I would kind of split into about four or five different steps. And do you think you guys can do that? Yeah. Yeah. Maybe just tell James and say, hey.\n\nLook. I I talked to the senior adviser. He doesn't want us to go broccoli and chicken breast and go high for saving. He wants us to focus on structuring the fund more first, and then we'll have another catch up in a few months' time, see how you've gone. And then we can hopefully from then set that first savings goal at our next catch up.\n\nCool. And look, again, I'll repeat. It's not a permanent thing, the situation that we're in economically, and it may feel like you're kind of spinning your wheels. And look, we're earning good money. We should be in a better position.\n\nEverybody across every state is doing the same problems. Yeah. And, again, my life kind of split into three stages where we script and save when we're on low incomes to get a mortgage, then we doubled our incomes and spent all of it. And then we got the habits right, and all of a sudden things are starting to flow properly. So you can do it.\n\nJust gonna be take it easy on yourself a little bit. And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction. No worries, Lance. Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up. Fantastic.\n\nI will get that off to you. Do you have any questions for me before I let you go? Yeah. Yep. Yeah.\n\nChat to James and reach out if you need to. Awesome. You have a fantastic weekend, and thank you so much for your time. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Leo.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.12512190639972687},{"text":"It's Tommy here, senior adviser from.","start":2.6399999,"end":4.56,"sentiment":"neutral","sentiment_score":0.11585388580958049},{"text":"How are you going today?","start":4.56,"end":5.7,"sentiment":"neutral","sentiment_score":0.1838838428258896},{"text":"I'm doing fantastic.","start":7.6,"end":8.66,"sentiment":"positive","sentiment_score":0.7417394518852234},{"text":"It's a beautiful freezing Friday, but happy Friday to you.","start":8.72,"end":12.015,"sentiment":"positive","sentiment_score":0.6887451648712158}],"sentiment":"positive","sentiment_score":0.42220985946746975,"num_words":26,"start":2.0,"end":12.015},{"sentences":[{"text":"No worries.","start":14.575001,"end":15.235001,"sentiment":"neutral","sentiment_score":0.17085271328687668},{"text":"Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you.","start":15.295,"end":20.255001,"sentiment":"neutral","sentiment_score":0.0892249188489384},{"text":"Do you still have a bit of time for me?","start":20.255001,"end":22.195,"sentiment":"neutral","sentiment_score":0.009341521840542554},{"text":"Perfect.","start":24.015,"end":24.415,"sentiment":"positive","sentiment_score":0.4894838631153106},{"text":"Now I do have all of your information up in front of me, the budget planner that you completed, your fact file with all of your details.","start":24.415,"end":32.47,"sentiment":"neutral","sentiment_score":0.24865499194021579}],"sentiment":"neutral","sentiment_score":0.1593851349958829,"num_words":58,"start":14.575001,"end":32.47},{"sentences":[{"text":"Do you mind if I just do the usual security check with you, please?","start":32.77,"end":35.75,"sentiment":"neutral","sentiment_score":0.08016166303839002},{"text":"Perfect.","start":37.809998,"end":38.309998,"sentiment":"neutral","sentiment_score":0.14616981148719788},{"text":"So I'm registered with Atticus adviser 1273105.","start":38.695,"end":42.875,"sentiment":"neutral","sentiment_score":0.07184810617140361},{"text":"Could you please confirm your date of birth and address?","start":42.935,"end":45.515,"sentiment":"neutral","sentiment_score":0.04939504601061344},{"text":"Sensational.","start":53.19,"end":53.69,"sentiment":"neutral","sentiment_score":0.09660976380109788}],"sentiment":"neutral","sentiment_score":0.0715736382161126,"num_words":33,"start":32.77,"end":53.69},{"sentences":[{"text":"Thank you for that, Leah.","start":53.989998,"end":55.21,"sentiment":"positive","sentiment_score":0.5088104903697968},{"text":"Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting advice.","start":55.27,"end":65.35,"sentiment":"neutral","sentiment_score":0.15530691182974612},{"text":"Is that right?","start":65.35,"end":66.075,"sentiment":"neutral","sentiment_score":0.08782171954711278},{"text":"Cool.","start":69.835,"end":70.235,"sentiment":"neutral","sentiment_score":0.14426037669181824},{"text":"Now I'm having a quick look at the history on your file there.","start":70.235,"end":73.994995,"sentiment":"neutral","sentiment_score":0.01668383080798846}],"sentiment":"neutral","sentiment_score":0.1507962886921384,"num_words":55,"start":53.989998,"end":73.994995},{"sentences":[{"text":"It looks like you did talk to Brooke, one of the mortgage brokers for a bit of a review.","start":73.994995,"end":79.59499,"sentiment":"neutral","sentiment_score":0.0038323256946904095},{"text":"Did anything come of that to help with the mortgage?","start":79.59499,"end":86.5,"sentiment":"neutral","sentiment_score":-0.043341615982353685},{"text":"Yeah.","start":112.53,"end":112.93,"sentiment":"neutral","sentiment_score":-0.09438318014144896},{"text":"And to be honest, like, if you're still on the AMP loan, that's a little bit under 6% or about to jump up to 6%, like, that's still a pretty decent rate in comparison.","start":112.93,"end":125.104996,"sentiment":"positive","sentiment_score":0.3639453903717153},{"text":"There's not too many floating around that are much better than that.","start":125.104996,"end":128.16501,"sentiment":"positive","sentiment_score":0.3972315788269043}],"sentiment":"neutral","sentiment_score":0.21955180351046452,"num_words":76,"start":73.994995,"end":128.16501},{"sentences":[{"text":"Yeah.","start":133.425,"end":133.925,"sentiment":"neutral","sentiment_score":0.1281837821006775},{"text":"Yeah.","start":140.64,"end":141.14,"sentiment":"neutral","sentiment_score":0.05940847098827362},{"text":"Yep.","start":153.525,"end":153.845,"sentiment":"neutral","sentiment_score":0.056398194283246994},{"text":"6.19, and it might jump up a little bit more.","start":153.845,"end":156.905,"sentiment":"neutral","sentiment_score":0.03488386496901512},{"text":"Yep.","start":161.49,"end":161.99,"sentiment":"neutral","sentiment_score":0.2418598979711533}],"sentiment":"neutral","sentiment_score":0.05962064250239304,"num_words":14,"start":133.425,"end":161.99},{"sentences":[{"text":"Awesome.","start":163.09,"end":163.59,"sentiment":"positive","sentiment_score":0.5213642120361328},{"text":"Okay.","start":163.81,"end":164.31,"sentiment":"neutral","sentiment_score":0.12141110002994536},{"text":"$9.75 per week.","start":170.69,"end":172.47,"sentiment":"neutral","sentiment_score":0.10335365682840347},{"text":"One of the things that I can definitely see is, like, just based on the budget planner that you filled out, you've got a really good ratio of how you're splitting your money.","start":173.17,"end":181.83499,"sentiment":"positive","sentiment_score":0.35415207210815314},{"text":"Like, one of the things that I tend to do with people is just kind of proportion things between, like, what's an expense, what's kind of, like, your fund money, what's your savings, that kind of thing, just to get a bit of a percentage going.","start":182.295,"end":195.92,"sentiment":"neutral","sentiment_score":0.08910111961481364}],"sentiment":"neutral","sentiment_score":0.19926793052859249,"num_words":84,"start":163.09,"end":195.92},{"sentences":[{"text":"Have you ever done that before?","start":195.92,"end":197.22,"sentiment":"neutral","sentiment_score":0.0029329912116130195},{"text":"Yeah.","start":213.555,"end":214.055,"sentiment":"neutral","sentiment_score":-0.2853681445121765},{"text":"And that's the thing too is because on paper, like you said, the ratios I'm looking at, you you're sitting at about 60% for expenses, which is pretty well perfect.","start":223.86,"end":233.32,"sentiment":"positive","sentiment_score":0.3575932631889979},{"text":"Splurge in fund money under 20% is really good.","start":235.11499,"end":237.935,"sentiment":"positive","sentiment_score":0.6969082487954034},{"text":"And then it says that you've got a pretty large surplus, which if I just plug that surplus on on paper into a mortgage calculator, you're knocking twenty years off the mortgage.","start":238.155,"end":249.34999,"sentiment":"neutral","sentiment_score":0.1294484647223726}],"sentiment":"neutral","sentiment_score":0.2676224719064358,"num_words":78,"start":195.92,"end":249.34999},{"sentences":[{"text":"It could be done in in ten.","start":249.56999,"end":251.34999,"sentiment":"neutral","sentiment_score":0.11247423397643226},{"text":"You know what I mean?","start":251.48999,"end":252.54999,"sentiment":"neutral","sentiment_score":0.01850069370120764},{"text":"So one of the things I wanna just quickly ask you, which may be helpful, just in terms of your structure, do you use, like, a a redraw account, offset account?","start":255.01,"end":262.85,"sentiment":"neutral","sentiment_score":0.041815705687528654},{"text":"How have you got structured?","start":262.85,"end":267.575,"sentiment":"neutral","sentiment_score":0.014311156980693341},{"text":"Sensational.","start":286.51,"end":287.01,"sentiment":"neutral","sentiment_score":0.18596142530441284}],"sentiment":"neutral","sentiment_score":0.0496658610788231,"num_words":49,"start":249.56999,"end":287.01},{"sentences":[{"text":"And the caravan, there's a bit of a caravan loan there.","start":287.23,"end":290.75,"sentiment":"neutral","sentiment_score":-0.0030401223762468858},{"text":"It looks pretty low on this issue in terms of repayments.","start":290.75,"end":294.065,"sentiment":"neutral","sentiment_score":0.0062096430496736},{"text":"It's not too expensive.","start":294.125,"end":295.10498,"sentiment":"neutral","sentiment_score":0.03621318005025387},{"text":"Yep.","start":305.65,"end":306.05,"sentiment":"neutral","sentiment_score":0.03547293692827225},{"text":"$9.80 a month and 175,000 oh, sorry.","start":306.05,"end":311.88998,"sentiment":"neutral","sentiment_score":0.009066950995475054}],"sentiment":"neutral","sentiment_score":0.008195854161920793,"num_words":34,"start":287.23,"end":311.88998},{"sentences":[{"text":"One second.","start":311.88998,"end":312.44998,"sentiment":"neutral","sentiment_score":-0.010153066366910934},{"text":"I'm just gonna do a quick calculation.","start":312.44998,"end":313.90997,"sentiment":"neutral","sentiment_score":0.016839658176260337},{"text":"Times 12.","start":319.98502,"end":320.625,"sentiment":"neutral","sentiment_score":0.006805365439504385},{"text":"So it's about $12 a year coming out of that.","start":320.625,"end":323.125,"sentiment":"neutral","sentiment_score":0.012349368492141365},{"text":"You're on about a 175,000 take home pay.","start":323.98502,"end":327.445,"sentiment":"neutral","sentiment_score":0.05358080053701997}],"sentiment":"neutral","sentiment_score":0.022873182572295953,"num_words":29,"start":311.88998,"end":327.445},{"sentences":[{"text":"So it is a decent chunk at about six or 7% of your, like, combined take home pay.","start":328.065,"end":333.76,"sentiment":"neutral","sentiment_score":0.07549900520179006},{"text":"So it's definitely eating into things a little bit.","start":333.76,"end":336.66,"sentiment":"negative","sentiment_score":-0.5174205170737373},{"text":"I'm just making a quick note of that.","start":338.72,"end":340.58002,"sentiment":"neutral","sentiment_score":0.07825051504187286},{"text":"And one of the things that I definitely wanna say off the bat is that I'm coming across the a similar situation for people living in Victoria and New South Wales with really good incomes, you know, that $200,000 combined mark, And everyone's kind of doing everything right except for those things a week to week.","start":340.72,"end":362.11002,"sentiment":"positive","sentiment_score":0.5018275643565825},{"text":"But mortgage rates up, groceries up, electricity is up, cost of living, bills, everything's kind of all jumped up really, really significantly.","start":362.11002,"end":369.73,"sentiment":"positive","sentiment_score":0.384401336312294}],"sentiment":"neutral","sentiment_score":0.299888270470289,"num_words":113,"start":328.065,"end":369.73},{"sentences":[{"text":"And when the government talks about a 3% inflation rate, that doesn't really include everything.","start":370.435,"end":377.815,"sentiment":"neutral","sentiment_score":-0.07551797777414322},{"text":"So even, like, what you've seen, grocery's been $3.03 50 a week.","start":378.195,"end":382.755,"sentiment":"neutral","sentiment_score":0.15387966173390547},{"text":"That's still quite a jump from where it was five, ten years ago.","start":382.755,"end":387.0,"sentiment":"neutral","sentiment_score":0.2096099853515625},{"text":"So there's some things that are kind of out of our control and it's kind of a time based thing where this type of cost of living issue, it's never permanent, but it can last for a number of years.","start":389.7,"end":401.215,"sentiment":"neutral","sentiment_score":-0.12916912585496904},{"text":"So if this was your income five years ago, you guys would have an extra and possibly 20,000 per year just based on every single item added.","start":401.515,"end":412.33502,"sentiment":"neutral","sentiment_score":0.05678239381975598}],"sentiment":"neutral","sentiment_score":-0.0018217225915917725,"num_words":107,"start":370.435,"end":412.33502},{"sentences":[{"text":"So, yes, I hear what you're saying before about overspending on a week to week because on paper it looks good, but you're also being hit from that five different directions between all the loans and everything else that's jumped up.","start":415.61,"end":427.815,"sentiment":"neutral","sentiment_score":-0.18371042872710927},{"text":"Yeah.","start":433.73502,"end":434.215,"sentiment":"neutral","sentiment_score":0.10755105316638948},{"text":"Yep.","start":434.215,"end":434.715,"sentiment":"neutral","sentiment_score":0.17965751886367798},{"text":"Yeah.","start":443.83,"end":444.33,"sentiment":"neutral","sentiment_score":0.0025432370603084564},{"text":"Yeah.","start":455.615,"end":455.935,"sentiment":"neutral","sentiment_score":-0.1167466938495636}],"sentiment":"neutral","sentiment_score":-0.1635360547237926,"num_words":45,"start":415.61,"end":455.935},{"sentences":[{"text":"And that's what I'm telling a lot of people too is, like, you can't try and script and save every single little thing to the point where you can't even enjoy living and you're just working to live rather than you know what I mean?","start":455.935,"end":468.115,"sentiment":"neutral","sentiment_score":-0.13077058589292898},{"text":"Having a caravan is not a make or break for your life.","start":471.66998,"end":474.38998,"sentiment":"neutral","sentiment_score":0.26667572433749837},{"text":"It's a it's a period of time as well.","start":474.38998,"end":476.65,"sentiment":"neutral","sentiment_score":0.2751066933075587},{"text":"There's little tricks that you can do.","start":477.66998,"end":479.27,"sentiment":"positive","sentiment_score":0.38899938123566763},{"text":"Like, for example, if you've got all those offset accounts, if you're parking your caravan repayments in there to offset the mortgage for the month before it goes out to pay for the caravan repayment, little things like that can stack up a little bit if you're if you feel like you're doing that.","start":479.27,"end":495.145,"sentiment":"neutral","sentiment_score":0.2280485515517217}],"sentiment":"neutral","sentiment_score":0.1167638584179437,"num_words":127,"start":455.935,"end":495.145},{"sentences":[{"text":"Yep.","start":502.69998,"end":503.19998,"sentiment":"positive","sentiment_score":0.418190598487854},{"text":"Yeah.","start":508.995,"end":509.495,"sentiment":"positive","sentiment_score":0.4890425205230713},{"text":"So I think the two things is if you've got your five offset accounts and you're already splitting everything and you're parking your cash there until the big bills go out, that's amazing.","start":509.555,"end":518.695,"sentiment":"positive","sentiment_score":0.5171196009173538},{"text":"Like I said, on paper, if you pumped all of that into offset and actually built it up over time, your mortgage would flood out very, very quickly.","start":519.875,"end":527.62,"sentiment":"neutral","sentiment_score":0.2738735409719603},{"text":"And so that really just points to that that week to week issue that you're talking about.","start":528.24,"end":532.66003,"sentiment":"neutral","sentiment_score":-0.0816019975087222}],"sentiment":"neutral","sentiment_score":0.30316756423562763,"num_words":80,"start":502.69998,"end":532.66003},{"sentences":[{"text":"Look.","start":552.36,"end":552.68,"sentiment":"neutral","sentiment_score":-0.07817550748586655},{"text":"It happens to kind of I keep saying it happens to everyone.","start":552.68,"end":556.46,"sentiment":"neutral","sentiment_score":-0.12256213277578354},{"text":"My my wife, for example, she gets staff discounts with Myer, And it's very easy while she's at work to just go, oh, look, we need this, we need this, we need this.","start":557.08,"end":565.715,"sentiment":"positive","sentiment_score":0.5299738546212515},{"text":"And all of a sudden, there's 75 transactions with Myer for the year.","start":565.775,"end":570.59503,"sentiment":"positive","sentiment_score":0.4578139827801631},{"text":"And if you look at it over a year, you go, oh, that's x amount of thousands of dollars, but we only really thought we'd spend half of that on that type of thing.","start":571.53503,"end":579.64,"sentiment":"neutral","sentiment_score":0.21999753595275037}],"sentiment":"neutral","sentiment_score":0.31582488279829746,"num_words":93,"start":552.36,"end":579.64},{"sentences":[{"text":"So the only two things that you can really do is like, it's painful, but getting very, very granular with your budget for a week, a month, and a quarter, where you pretty much track everything that went out for that that week and try to get, like, a net zero position where you know where every dollar is going and you make sure it actually goes there kind of thing.","start":581.86005,"end":607.0,"sentiment":"neutral","sentiment_score":0.3162466094002757},{"text":"And then what happens is something else pops up and it pulls it out there and that throws your budget out of whack.","start":607.0,"end":613.26,"sentiment":"neutral","sentiment_score":-0.3172251536794331},{"text":"Just from a behavioral standpoint, one thing that's had a lot of success with our clients as well is planning shopping trips.","start":616.04,"end":625.71497,"sentiment":"positive","sentiment_score":0.5075519274581562},{"text":"And it's one of the things like, yeah, you can be out and you can spend a few $100 out of the nighttime.","start":628.735,"end":634.06,"sentiment":"positive","sentiment_score":0.4972201637599779},{"text":"That's one thing.","start":634.06,"end":635.04,"sentiment":"neutral","sentiment_score":0.2936081488927205}],"sentiment":"neutral","sentiment_score":0.2721152207748571,"num_words":142,"start":581.86005,"end":635.04},{"sentences":[{"text":"And the other thing is if you're, like, constantly doing those little purchases to actually build up some money for a period of time when you you just refuse to touch it for a fortnight or a month and then go on a big shopping trip with everybody and get all those things just based on what's been saved for it.","start":635.18,"end":652.905,"sentiment":"positive","sentiment_score":0.34119181713608443},{"text":"Do you know what I mean?","start":652.905,"end":654.04504,"sentiment":"neutral","sentiment_score":0.1333854099114736},{"text":"Yeah.","start":659.57996,"end":659.98,"sentiment":"positive","sentiment_score":0.3495563864707947},{"text":"And actually just that delayed gratification of saying, like, I've got something to look forward to, and I'm not gonna feel guilty at all for what I spend because I've put it aside specifically for that.","start":659.98,"end":670.54,"sentiment":"neutral","sentiment_score":0.1874331548396084},{"text":"There's zero guilt.","start":670.54,"end":671.57996,"sentiment":"positive","sentiment_score":0.38247626026471454}],"sentiment":"neutral","sentiment_score":0.27904291632019473,"num_words":107,"start":635.18,"end":671.57996},{"sentences":[{"text":"It's a fun day, but it means that you're in control of it rather than everything going left, right, and center between you and your partner.","start":671.57996,"end":679.675,"sentiment":"positive","sentiment_score":0.5659167972894815},{"text":"And then when you look back on it two months later, you go, oh my god.","start":679.735,"end":682.77496,"sentiment":"neutral","sentiment_score":0.12927937833592296},{"text":"It went here with that.","start":682.77496,"end":684.15497,"sentiment":"neutral","sentiment_score":0.11326318457722664},{"text":"Yeah.","start":685.82996,"end":686.32996,"sentiment":"neutral","sentiment_score":0.18037492036819455},{"text":"So your structure's perfect.","start":687.02997,"end":689.61,"sentiment":"positive","sentiment_score":0.6134971380233765}],"sentiment":"positive","sentiment_score":0.38428819573556,"num_words":52,"start":671.57996,"end":689.61},{"sentences":[{"text":"Your income's great.","start":689.82996,"end":691.19,"sentiment":"positive","sentiment_score":0.7043476899464926},{"text":"You're not overspending on pretty much anything else.","start":691.19,"end":694.39,"sentiment":"positive","sentiment_score":0.5355915054678917},{"text":"Like, when I'm looking at what you've put in, the groceries make sense.","start":694.39,"end":698.505,"sentiment":"neutral","sentiment_score":0.3130260075514133},{"text":"That's pretty common.","start":698.505,"end":699.465,"sentiment":"neutral","sentiment_score":0.2885842025279999},{"text":"You're not going overboard there.","start":699.465,"end":701.245,"sentiment":"neutral","sentiment_score":0.2043757677078247}],"sentiment":"positive","sentiment_score":0.38608577055856586,"num_words":32,"start":689.82996,"end":701.245},{"sentences":[{"text":"Some people, you know, they shop at Aldi and Costco, and they try and save that $40 a week on groceries, but that's not gonna make or break you guys.","start":701.545,"end":709.885,"sentiment":"neutral","sentiment_score":0.15936698243021966},{"text":"Your electricity is reasonable.","start":712.84,"end":714.30005,"sentiment":"neutral","sentiment_score":0.23520200699567795},{"text":"Your insurances the school fees are reasonable.","start":714.76,"end":717.34,"sentiment":"neutral","sentiment_score":0.260478030358042},{"text":"Spending a bit on toiletries in the gym and takeaway, Yeah.","start":718.84,"end":724.21497,"sentiment":"neutral","sentiment_score":0.08514616977084767},{"text":"It can all add up, and that's kind of where everything goes.","start":724.21497,"end":727.435,"sentiment":"neutral","sentiment_score":-0.013927337868760029}],"sentiment":"neutral","sentiment_score":0.12991630510077812,"num_words":64,"start":701.545,"end":727.435},{"sentences":[{"text":"And if you're hard on yourself, you can trim it off and and decide you're not gonna do it for a year.","start":727.735,"end":734.375,"sentiment":"neutral","sentiment_score":-0.217061502689665},{"text":"And and it's kind of like a like a dieting exercise where people go, I'm gonna just eat chicken and broccoli and rice for twelve months to lose weight.","start":734.375,"end":742.41,"sentiment":"neutral","sentiment_score":-0.07314840126140364},{"text":"That's not really sustainable, though.","start":744.79,"end":746.79,"sentiment":"negative","sentiment_score":-0.4495992124080658},{"text":"You could do that for a period of time, but like you said, you've gotta live as well.","start":746.79,"end":751.26495,"sentiment":"neutral","sentiment_score":-0.24165153006712595},{"text":"So the no.","start":753.00494,"end":757.245,"sentiment":"neutral","sentiment_score":-0.2230835904677709}],"sentiment":"neutral","sentiment_score":-0.18394326065461358,"num_words":77,"start":727.735,"end":757.245},{"sentences":[{"text":"Go for it.","start":757.245,"end":757.985,"sentiment":"neutral","sentiment_score":-0.2814861536026001},{"text":"Yeah.","start":775.89,"end":776.21,"sentiment":"neutral","sentiment_score":-0.06542154401540756},{"text":"So when I look at what you've got listed for the savings, it says about $800 a month, which is about $200 a week.","start":776.21,"end":783.28503,"sentiment":"neutral","sentiment_score":0.06358388205990195},{"text":"But when you add everything else up together, there's also about a $36,000 surplus sitting there that's not allocated to anything, which pretty much brings you to like, okay.","start":785.185,"end":796.49,"sentiment":"neutral","sentiment_score":0.02834998340956096},{"text":"Mortgage has jumped up a little bit, so let's quote 800 a week of cash flow on paper that's available to go either as a repayment or just piling into the offset to have the same effect.","start":796.49,"end":808.75,"sentiment":"neutral","sentiment_score":0.13960258964751218}],"sentiment":"neutral","sentiment_score":0.07025083511116657,"num_words":94,"start":757.245,"end":808.75},{"sentences":[{"text":"Now it's very, very hard for someone to consistently court $800 a week into savings for ten years and not have anything pop up that they need to spend it on.","start":811.90497,"end":824.52,"sentiment":"neutral","sentiment_score":-0.1959590803711645},{"text":"But it's something that is possible, and what that really means for you guys is that anywhere between your thirty years and your ten years, somewhere in between there is where you can get it to realistically.","start":827.48004,"end":838.54004,"sentiment":"neutral","sentiment_score":0.33238679653889425},{"text":"Yeah.","start":844.815,"end":845.21497,"sentiment":"neutral","sentiment_score":-0.1105821579694748},{"text":"Not even necessarily the home loan, but just putting into that one account that it's never used for anything.","start":845.21497,"end":850.115,"sentiment":"neutral","sentiment_score":-0.15832665915551938},{"text":"It's even if it's 400 a week where it's like that is just going to make sure the mortgage is trimmed off from thirty years to twenty years, and we're just not gonna touch that.","start":850.735,"end":860.83,"sentiment":"neutral","sentiment_score":-0.14364245180040597}],"sentiment":"neutral","sentiment_score":-0.01563166271955744,"num_words":123,"start":811.90497,"end":860.83},{"sentences":[{"text":"Do you have that situation where you've got a lot of little expenses throughout the weeks, but you've also got those bigger ones throughout the year, like the like the little holiday or taking the family out that's a bit bigger as well, or how do you guys kind of operate?","start":863.37,"end":879.775,"sentiment":"neutral","sentiment_score":0.04456847522626905},{"text":"Yep.","start":889.13,"end":889.63,"sentiment":"neutral","sentiment_score":0.06761331856250763},{"text":"Yeah.","start":918.135,"end":918.635,"sentiment":"neutral","sentiment_score":0.2822018265724182},{"text":"Yeah.","start":938.72,"end":939.22,"sentiment":"neutral","sentiment_score":0.2098842561244965},{"text":"So it's definitely the little things.","start":939.6,"end":941.3,"sentiment":"neutral","sentiment_score":0.23593222598234811}],"sentiment":"neutral","sentiment_score":0.0708047498948872,"num_words":60,"start":863.37,"end":941.3},{"sentences":[{"text":"Yes.","start":951.055,"end":951.555,"sentiment":"neutral","sentiment_score":0.15925109386444092},{"text":"They'll top up.","start":951.935,"end":953.155,"sentiment":"neutral","sentiment_score":-0.14533594623208046},{"text":"Yeah.","start":964.43005,"end":964.93005,"sentiment":"neutral","sentiment_score":0.15746819972991943},{"text":"Yeah.","start":973.325,"end":973.825,"sentiment":"neutral","sentiment_score":-0.015606515109539032},{"text":"Yeah.","start":983.76996,"end":984.08997,"sentiment":"neutral","sentiment_score":0.03470093011856079}],"sentiment":"neutral","sentiment_score":-0.014313447156122752,"num_words":7,"start":951.055,"end":984.08997},{"sentences":[{"text":"Yep.","start":984.08997,"end":984.41,"sentiment":"neutral","sentiment_score":0.0739784762263298},{"text":"I hear you completely.","start":984.41,"end":985.47,"sentiment":"neutral","sentiment_score":0.14444061741232872},{"text":"One of the things that would happen to me a lot is whenever we went shopping for something, I'd always be getting the kids, like, a toy or something or a bit of sushi or takeaway.","start":985.93,"end":994.43,"sentiment":"neutral","sentiment_score":0.11677567971249421},{"text":"And when I looked at it, that was $50.60 dollars done, and that was adding up to that.","start":995.055,"end":1000.975,"sentiment":"neutral","sentiment_score":-0.12250203949709733},{"text":"There was always an excuse to do that every couple of days.","start":1000.975,"end":1003.715,"sentiment":"neutral","sentiment_score":0.09480000225206216}],"sentiment":"neutral","sentiment_score":0.053355334247921556,"num_words":71,"start":984.08997,"end":1003.715},{"sentences":[{"text":"So one of the things that you can try as a bit of a flip is rather than saying, oh, I wanna put aside $800 a week into savings to pay off the mortgage, is focus on putting aside those timed spending and do that first.","start":1006.175,"end":1023.03,"sentiment":"positive","sentiment_score":0.3496767567551654},{"text":"So when it comes to, again, going out, the holidays, the little purchases, all that kind of thing, is see if you can space it out where you know when you're gonna do it rather than it being just ad hoc between the two of you guys and random, essentially.","start":1026.035,"end":1041.3099,"sentiment":"neutral","sentiment_score":0.2264674711227417},{"text":"And then once you've got that kind of behavior down the path, then there'll be less reasons to ever dip into the savings, and you can start that small.","start":1041.61,"end":1051.715,"sentiment":"neutral","sentiment_score":0.2916320038252863},{"text":"That can be 200 a week, and then aim for 400 a week after six months, and then see if you can maintain that for, you know, that second half of the year.","start":1051.775,"end":1060.435,"sentiment":"neutral","sentiment_score":0.2341997826641256},{"text":"So I would probably talk to James and say, hey.","start":1066.99,"end":1070.67,"sentiment":"neutral","sentiment_score":0.12989299967885018}],"sentiment":"neutral","sentiment_score":0.2672223529911467,"num_words":168,"start":1006.175,"end":1070.67},{"sentences":[{"text":"Let's again, you're gonna have to do that little sit down because you've already split everything and spread shaded it, planned for it as far as expenses goes.","start":1070.67,"end":1079.825,"sentiment":"neutral","sentiment_score":0.16756417628909862},{"text":"I don't want you guys to just, like, plan the fun things together so that you're getting the the dopamine hits on a regular basis, but it's a planned and controlled dopamine hit.","start":1080.605,"end":1090.11,"sentiment":"neutral","sentiment_score":0.04438534929332408},{"text":"So even if you do that for let's say you try and put the savings aside at 200 a week and then the other stuff, plan those little little and medium expenditures for about a month or so.","start":1095.23,"end":1108.635,"sentiment":"positive","sentiment_score":0.33522913173625346},{"text":"And just decide between you guys the frequency that you're gonna be okay to do that for, whether it's waiting a week, a fortnight, or a month, and see if I can keep the the fund expenditure as a bit of a controlled kind of thing.","start":1108.8551,"end":1126.61,"sentiment":"neutral","sentiment_score":0.2713035422822703},{"text":"Yeah.","start":1130.835,"end":1131.075,"sentiment":"neutral","sentiment_score":0.042245253920555115}],"sentiment":"neutral","sentiment_score":0.2151878675866923,"num_words":146,"start":1070.67,"end":1131.075},{"sentences":[{"text":"It's a bit of a reverse psychology because, again, it's always about let's trim everything down and bulk our savings up.","start":1131.075,"end":1137.315,"sentiment":"neutral","sentiment_score":-0.12003847229338828},{"text":"I'd rather flip it around and get the behaviors right for the fund side that tends to cause the chaos.","start":1137.315,"end":1144.68,"sentiment":"neutral","sentiment_score":-0.07293096370995045},{"text":"And then you start building up the savings the better and better you get at it.","start":1144.9801,"end":1149.4,"sentiment":"neutral","sentiment_score":0.22988357907161117},{"text":"So even if you say we're gonna save nothing for the next two months, we're just gonna split everything up.","start":1152.1001,"end":1156.6749,"sentiment":"neutral","sentiment_score":0.23562533929944038},{"text":"We've got our expenses aside.","start":1156.6749,"end":1158.115,"sentiment":"positive","sentiment_score":0.4709803223609924}],"sentiment":"neutral","sentiment_score":0.08251363988511445,"num_words":82,"start":1131.075,"end":1158.115},{"sentences":[{"text":"That's great.","start":1158.115,"end":1158.855,"sentiment":"positive","sentiment_score":0.7834472060203552},{"text":"And let's actually just put all of our cash flow into building up for the fun things.","start":1158.9149,"end":1163.975,"sentiment":"positive","sentiment_score":0.6129228963571436},{"text":"And then once you've done that for a month or two, then go, okay.","start":1164.115,"end":1167.735,"sentiment":"neutral","sentiment_score":0.14496444963983127},{"text":"This is working.","start":1168.18,"end":1169.0,"sentiment":"neutral","sentiment_score":0.07505672673384349},{"text":"It's not working.","start":1169.54,"end":1170.5,"sentiment":"neutral","sentiment_score":-0.3327956199645996}],"sentiment":"positive","sentiment_score":0.3395607503942954,"num_words":39,"start":1158.115,"end":1170.5},{"sentences":[{"text":"Make your adjustment, and then start putting aside that savings for, say, July to Christmas and see how you go.","start":1170.5,"end":1177.3201,"sentiment":"neutral","sentiment_score":0.004018941521644592},{"text":"Even if you go I'm just trying to work out a few, like, little goals for you guys.","start":1182.855,"end":1188.795,"sentiment":"neutral","sentiment_score":0.24073447287082672},{"text":"Oh, sorry.","start":1191.735,"end":1192.455,"sentiment":"neutral","sentiment_score":0.09296563267707825},{"text":"If I go 200 a week for the year, make that into monthly, do about five of those.","start":1192.455,"end":1198.8401,"sentiment":"neutral","sentiment_score":0.15997583667437235},{"text":"Your goal by the end of the year will probably end up being an additional, say, 5 to 10,000 in savings between July and Christmas.","start":1199.78,"end":1212.875,"sentiment":"neutral","sentiment_score":0.2702430149912834}],"sentiment":"neutral","sentiment_score":0.17150808484798455,"num_words":83,"start":1170.5,"end":1212.875},{"sentences":[{"text":"And then double that for the next year so that instead of 10,000 for six months, it becomes $2,030,000 for the year.","start":1216.135,"end":1226.98,"sentiment":"neutral","sentiment_score":0.31982114572416653},{"text":"That would be a fantastic year for you guys.","start":1228.24,"end":1230.72,"sentiment":"positive","sentiment_score":0.7345452507336935},{"text":"Like, you don't have to try and put $50 away to catch your mortgage up multiple years.","start":1230.72,"end":1235.7,"sentiment":"positive","sentiment_score":0.4389204680919647},{"text":"But imagine if in eighteen months' time, you've got an additional $2,530,000 dollars sitting there.","start":1235.9199,"end":1243.4349,"sentiment":"neutral","sentiment_score":0.17777248372634252},{"text":"Yep.","start":1249.255,"end":1249.755,"sentiment":"neutral","sentiment_score":0.082030288875103}],"sentiment":"positive","sentiment_score":0.372769343201071,"num_words":64,"start":1216.135,"end":1249.755},{"sentences":[{"text":"So one thing that I'm I'm definitely gonna be, like, reiterating a lot is go guilt free for the next two months, but make it a planned fund and then try and hit that first small goal where it's you're still having all the fun, and then there's that $5 building up in the background for Christmas, and then start increasing it next year.","start":1249.8949,"end":1274.9049,"sentiment":"neutral","sentiment_score":0.28544583183247596},{"text":"And low and behold, hopefully, interest rates drop next year, and then you get a little bit extra.","start":1279.5,"end":1284.32,"sentiment":"neutral","sentiment_score":-0.11923748027119371},{"text":"Yeah.","start":1287.34,"end":1287.84,"sentiment":"neutral","sentiment_score":-0.01257497165352106},{"text":"And look, we're we're still what?","start":1289.4199,"end":1291.58,"sentiment":"neutral","sentiment_score":-0.017019699327647686},{"text":"You guys are still in your thirties?","start":1291.58,"end":1293.12,"sentiment":"neutral","sentiment_score":-0.006393249279686383}],"sentiment":"neutral","sentiment_score":0.16627929874812253,"num_words":96,"start":1249.8949,"end":1293.12},{"sentences":[{"text":"Yep.","start":1295.605,"end":1296.105,"sentiment":"neutral","sentiment_score":0.29704076051712036},{"text":"So with your good incomes, you got the family, living a fun, comfortable life.","start":1296.5651,"end":1301.285,"sentiment":"positive","sentiment_score":0.6209973160709653},{"text":"If you're building up by the time you're $4,050,000 dollars in an offset account, that's a pretty good goal.","start":1301.285,"end":1309.2,"sentiment":"positive","sentiment_score":0.6501270626720629},{"text":"And then from 40 to 50, once all the kids are kind of in school or off school and things like that, that's when you start making that big leap, and you've got hundreds of thousands building up in equity or investments.","start":1309.26,"end":1322.5599,"sentiment":"positive","sentiment_score":0.3901767957778204},{"text":"You pretty much gonna take it as like a life stages thing every five to ten years.","start":1323.665,"end":1328.885,"sentiment":"neutral","sentiment_score":0.09167034639155164}],"sentiment":"positive","sentiment_score":0.42246493212478137,"num_words":93,"start":1295.605,"end":1328.885},{"sentences":[{"text":"All you've gotta do, Leah, is pretty much try to make those the next five years.","start":1331.825,"end":1336.245,"sentiment":"neutral","sentiment_score":0.2679998599924147},{"text":"That habit building where you do progress closer to what you wanna do, but you're not trying to go all or nothing.","start":1336.7201,"end":1342.9601,"sentiment":"neutral","sentiment_score":0.14545325409959664},{"text":"You're not trying to go broccoli and chicken.","start":1342.9601,"end":1345.2201,"sentiment":"neutral","sentiment_score":-0.08276387397199869},{"text":"Can I be honest with you?","start":1354.1749,"end":1355.375,"sentiment":"neutral","sentiment_score":-0.08597744318346183},{"text":"I did the exact same thing.","start":1355.375,"end":1357.875,"sentiment":"neutral","sentiment_score":-0.030617329602440197}],"sentiment":"neutral","sentiment_score":0.1056256848547993,"num_words":58,"start":1331.825,"end":1357.875},{"sentences":[{"text":"I've been in the industry for twelve years.","start":1358.575,"end":1360.255,"sentiment":"neutral","sentiment_score":0.005907247425056994},{"text":"I did the same thing six years ago where I told my wife, we're gonna have the mortgage paid off.","start":1360.255,"end":1366.4199,"sentiment":"neutral","sentiment_score":6.369687616825103e-6},{"text":"I told her in four years.","start":1366.4199,"end":1368.2,"sentiment":"neutral","sentiment_score":-0.016724912139276665},{"text":"And over that four years, we made not a single dent into extra net repayments for the mortgage, and I doubled my income.","start":1370.6599,"end":1381.395,"sentiment":"neutral","sentiment_score":0.13121340440019316},{"text":"We had we got the best deal ever in terms of a 2% interest rate, and I'm actually saving more now at a 6% interest rate than when I was in a 2%.","start":1382.175,"end":1393.155,"sentiment":"positive","sentiment_score":0.39950299804860895}],"sentiment":"neutral","sentiment_score":0.17942825707917412,"num_words":90,"start":1358.575,"end":1393.155},{"sentences":[{"text":"And that was our thing.","start":1398.41,"end":1399.37,"sentiment":"neutral","sentiment_score":0.18759007155895233},{"text":"It was just like we got the kids there.","start":1399.37,"end":1401.39,"sentiment":"neutral","sentiment_score":0.09386652956406276},{"text":"There was always something little to do it on.","start":1401.4501,"end":1403.37,"sentiment":"neutral","sentiment_score":0.02584705377618472},{"text":"And then I look back.","start":1403.37,"end":1404.51,"sentiment":"neutral","sentiment_score":0.01285802647471428},{"text":"I I did a spreadsheet from our bank and then, how did we spend an extra $70,000?","start":1404.9701,"end":1410.405,"sentiment":"neutral","sentiment_score":0.004782006541705307}],"sentiment":"neutral","sentiment_score":0.04802126336532334,"num_words":45,"start":1398.41,"end":1410.405},{"sentences":[{"text":"It's exactly right.","start":1416.865,"end":1417.6649,"sentiment":"neutral","sentiment_score":0.13083437085151672},{"text":"If you're not watching it like a hawk, it goes.","start":1417.6649,"end":1419.525,"sentiment":"neutral","sentiment_score":-0.21931032463908195},{"text":"But the problem is is if you try and, like, watch it every single day and account for every dollar, it becomes suffocating as well.","start":1419.6649,"end":1427.48,"sentiment":"negative","sentiment_score":-0.550633065700531},{"text":"Exactly right.","start":1444.735,"end":1445.855,"sentiment":"neutral","sentiment_score":0.05838363617658615},{"text":"Exactly right.","start":1445.855,"end":1446.995,"sentiment":"neutral","sentiment_score":0.10740382969379425}],"sentiment":"negative","sentiment_score":-0.36273456772878054,"num_words":42,"start":1416.865,"end":1446.995},{"sentences":[{"text":"Yeah.","start":1459.23,"end":1459.63,"sentiment":"neutral","sentiment_score":0.016444381326436996},{"text":"So you've got that budget planner there as a bit of a guide in reference of what is possible in an ideal scenario.","start":1459.63,"end":1465.905,"sentiment":"neutral","sentiment_score":0.13172914962405743},{"text":"Then it's pretty much like, yep.","start":1466.6051,"end":1468.4651,"sentiment":"neutral","sentiment_score":0.12972518677512804},{"text":"Let's focus on getting the fun habits right and making sure that the guilt is gone and that we're doing the things that we wanna do.","start":1468.525,"end":1476.96,"sentiment":"neutral","sentiment_score":0.32555574809129423},{"text":"And then we build that habit towards the savings goals after that.","start":1477.4199,"end":1481.44,"sentiment":"neutral","sentiment_score":0.2682318376998107}],"sentiment":"neutral","sentiment_score":0.22805584479561625,"num_words":68,"start":1459.23,"end":1481.44},{"sentences":[{"text":"And every three months or so, we can just have a little bit of an update.","start":1481.82,"end":1486.32,"sentiment":"neutral","sentiment_score":0.17691089026629925},{"text":"If we actually look back at all the things, did we expend what we said we were going to on these areas?","start":1486.425,"end":1492.6051,"sentiment":"neutral","sentiment_score":0.020292781124060803},{"text":"Which ones did we overspend off?","start":1492.745,"end":1494.6051,"sentiment":"neutral","sentiment_score":-0.09024299929539363},{"text":"And then you can space that out by an extra week.","start":1498.185,"end":1500.685,"sentiment":"neutral","sentiment_score":0.10380783067508177},{"text":"You can maybe trim down a little bit or put a bit more in there so it's actually in there rather than dipping into savings.","start":1500.78,"end":1506.24,"sentiment":"neutral","sentiment_score":0.08878086224198341}],"sentiment":"neutral","sentiment_score":0.07621206408366561,"num_words":80,"start":1481.82,"end":1506.24},{"sentences":[{"text":"So I would kind of split into about four or five different steps.","start":1506.9401,"end":1511.68,"sentiment":"neutral","sentiment_score":0.10641807718918873},{"text":"And do you think you guys can do that?","start":1515.045,"end":1516.825,"sentiment":"neutral","sentiment_score":0.2747984959019555},{"text":"Yeah.","start":1525.045,"end":1525.545,"sentiment":"neutral","sentiment_score":0.2081115245819092},{"text":"Yeah.","start":1535.05,"end":1535.55,"sentiment":"neutral","sentiment_score":0.08913883566856384},{"text":"Maybe just tell James and say, hey.","start":1535.61,"end":1537.37,"sentiment":"neutral","sentiment_score":0.10493945117507662}],"sentiment":"neutral","sentiment_score":0.15769187048558267,"num_words":31,"start":1506.9401,"end":1537.37},{"sentences":[{"text":"Look.","start":1537.37,"end":1537.61,"sentiment":"neutral","sentiment_score":0.10046149045228958},{"text":"I I talked to the senior adviser.","start":1537.61,"end":1539.23,"sentiment":"neutral","sentiment_score":0.08933332243135997},{"text":"He doesn't want us to go broccoli and chicken breast and go high for saving.","start":1539.5449,"end":1543.565,"sentiment":"neutral","sentiment_score":0.013764647642771403},{"text":"He wants us to focus on structuring the fund more first, and then we'll have another catch up in a few months' time, see how you've gone.","start":1544.025,"end":1552.9249,"sentiment":"neutral","sentiment_score":0.1445732847959907},{"text":"And then we can hopefully from then set that first savings goal at our next catch up.","start":1553.17,"end":1558.47,"sentiment":"neutral","sentiment_score":0.16429463467177222}],"sentiment":"neutral","sentiment_score":0.11386196926903369,"num_words":67,"start":1537.37,"end":1558.47},{"sentences":[{"text":"Cool.","start":1564.6901,"end":1565.025,"sentiment":"neutral","sentiment_score":0.2981107234954834},{"text":"And look, again, I'll repeat.","start":1565.185,"end":1567.025,"sentiment":"neutral","sentiment_score":0.1022737056016922},{"text":"It's not a permanent thing, the situation that we're in economically, and it may feel like you're kind of spinning your wheels.","start":1567.025,"end":1573.425,"sentiment":"neutral","sentiment_score":-0.02342880138894543},{"text":"And look, we're earning good money.","start":1573.425,"end":1574.785,"sentiment":"neutral","sentiment_score":0.17660805210471153},{"text":"We should be in a better position.","start":1574.785,"end":1576.245,"sentiment":"neutral","sentiment_score":0.2351256992135729}],"sentiment":"neutral","sentiment_score":0.07316033727001035,"num_words":41,"start":1564.6901,"end":1576.245},{"sentences":[{"text":"Everybody across every state is doing the same problems.","start":1577.99,"end":1581.05,"sentiment":"neutral","sentiment_score":-0.16392540517780516},{"text":"Yeah.","start":1593.285,"end":1593.685,"sentiment":"neutral","sentiment_score":-0.116970956325531},{"text":"And, again, my life kind of split into three stages where we script and save when we're on low incomes to get a mortgage, then we doubled our incomes and spent all of it.","start":1593.685,"end":1604.49,"sentiment":"neutral","sentiment_score":0.03572743627078393},{"text":"And then we got the habits right, and all of a sudden things are starting to flow properly.","start":1605.05,"end":1609.63,"sentiment":"neutral","sentiment_score":0.33156294127305347},{"text":"So you can do it.","start":1613.85,"end":1615.21,"sentiment":"positive","sentiment_score":0.532025945186615}],"sentiment":"neutral","sentiment_score":0.12314471491237185,"num_words":67,"start":1577.99,"end":1615.21},{"sentences":[{"text":"Just gonna be take it easy on yourself a little bit.","start":1615.21,"end":1617.95,"sentiment":"positive","sentiment_score":0.5331085852601312},{"text":"And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction.","start":1618.2949,"end":1623.4349,"sentiment":"positive","sentiment_score":0.3443674463778734},{"text":"No worries, Lance.","start":1627.975,"end":1628.695,"sentiment":"neutral","sentiment_score":0.2205012639363607},{"text":"Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up.","start":1628.695,"end":1637.24,"sentiment":"neutral","sentiment_score":0.15133301523469744},{"text":"Fantastic.","start":1647.395,"end":1647.895,"sentiment":"positive","sentiment_score":0.7397173047065735}],"sentiment":"neutral","sentiment_score":0.2702002578679426,"num_words":81,"start":1615.21,"end":1647.895},{"sentences":[{"text":"I will get that off to you.","start":1648.115,"end":1649.315,"sentiment":"positive","sentiment_score":0.5383750540869576},{"text":"Do you have any questions for me before I let you go?","start":1649.315,"end":1651.495,"sentiment":"neutral","sentiment_score":0.23912576958537102},{"text":"Yeah.","start":1659.25,"end":1659.75,"sentiment":"neutral","sentiment_score":0.1254616528749466},{"text":"Yep.","start":1660.2899,"end":1660.77,"sentiment":"neutral","sentiment_score":0.09310679882764816},{"text":"Yeah.","start":1660.77,"end":1661.1699,"sentiment":"neutral","sentiment_score":0.07401430606842041}],"sentiment":"neutral","sentiment_score":0.3150326077910987,"num_words":22,"start":1648.115,"end":1661.1699},{"sentences":[{"text":"Chat to James and reach out if you need to.","start":1661.1699,"end":1663.27,"sentiment":"neutral","sentiment_score":0.07317410744726657},{"text":"Awesome.","start":1667.2789,"end":1667.599,"sentiment":"positive","sentiment_score":0.6950762867927551},{"text":"You have a fantastic weekend, and thank you so much for your time.","start":1667.599,"end":1670.499,"sentiment":"positive","sentiment_score":0.7360484921015226},{"text":"Thank you.","start":1673.599,"end":1674.1589,"sentiment":"positive","sentiment_score":0.35603609681129456},{"text":"Bye.","start":1674.1589,"end":1674.6589,"sentiment":"neutral","sentiment_score":0.18716320395469663}],"sentiment":"positive","sentiment_score":0.44054382059861114,"num_words":27,"start":1661.1699,"end":1674.6589}]}}]},{"alternatives":[{"transcript":"Hello. Leah speaking. Good. How are you? Yeah. Thanks. Yeah. Yes. I do. Sure. 77 South Mountain 8938 O'Leary Way, New England, Detroit, 350. Yeah. Probably. Yep. No. I didn't really end up submitting everything because she wanted, like, very much stuff, and I didn't really have the time to do it because I wasn't looking to refinance. So I don't know if she just had asked me so much information that it was just it was too hard for me to get it. So I probably do wanna refinance. I'm just not sure if there's much point at the moment with interest rates that it keep going up. So I didn't know whether it was worth waiting. But, yeah, nothing really came to that. I think we're on it's gone up, and it just went up on Tuesday. So, I mean, from the last week, I don't mean the RBA meeting. I mean, like, from the last increase, it just went up. And my right now, it's It's not down, I think. I think it's, like, 6.1 nine. Well, it will after June, Wednesday, whenever they're meant. Yeah. So, yeah, on my she my mortgage payment is now $9.75 per week. I think it might have been at $9.30 on the phone. Yeah. I have. And I can be completely honest and say that on paper, like, we earn exactly good money and we should be in a better position, but we overspend every single week. So I don't even know what the problem is. We need to overspend every week on just, I don't know, food and drinks and, I don't know, doing rolling out for dinner and, you know, that sort of stuff. Yeah. Oh, okay. Yeah. Yeah. Yeah. Offset. So in like, my savings is I've got, like, four or five offset accounts. So and then the home loan, we can redraw on it. So the savings, like, savings money I've got sitting in a home loan account and then the kids savings and, like, bills money and stuff, I've got in offset accounts. Yeah. It's, like, 980 a month. So 200 or so. I'll put it on my what did I put on the spreadsheet? Yes. Yes. Yes. Yes. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Also, all my insurances have gone up as well, like, significantly. So I guess that's why we've decided, like, we could afford the caravan, and that was just part of the lifestyle that we wanted. So I'm just alone. I think it's six years, and we're about one year in. So, you know, I know that we should be doing better, but it's also like we need to also live. So I don't know. Yeah. Yeah. Yep. I'm doing that. Yeah. I pretty much try and keep all my money in for as long as possible and then pay it out so that it can when they calculate it, the mortgage, like, the interest per month, it's hopefully as well as possible. Yep. Yep. Yeah. Okay. Which I knew I knew. I just wanted to see if there is something else we should be doing. Like, I feel like that we're doing everything the right way except for them when it's into, like, the weekend stuff. It's really just, I don't know. I guess, we have just to get my credit limit a bit. Yes. Yep. Yeah. Yep. Right. Yes. Yes. Yes. Yep. Yes. Yeah. Okay. Yep. Yeah. I think so. Instead of just randomly buying it, put the money aside. And then yeah. Yep. Yeah. Yeah. Okay. Yeah. Okay. Yep. Yes. Yes. Yeah. How sorry. I was just I was just gonna ask why he said like, in the calculator, like, we could zero to reduce the home pay off of home maintenance. Like, what would that look like? Like, how would you do that? I don't think that's, like, achievable for us right now, but I'm curious as to what that would look like. Yep. Yes. Yes. Yeah. Okay. Yes. Yeah. We just gotta stop putting more money on home loans, really. Yes. Yep. Well, in terms of the bigger expenses, like, the bills, I put that aside each week. So that, like, cancel rates and rego and all that sort of stuff. Like, everything is full side each week so I can just pay it. If we have a holiday, we'll, like, sort of save for that. We'll, like, plan it a few months sort of out and then save up for that. So then, like, we can save up a bit and then we pretty much just save it all there as long ago. It's not like we go overseas, and we'll never people never been overseas with us, but we could do, like, a caravan trip last year, and we're planning on doing another one at the end of the year. So I don't know when like, we don't really have too many. I wouldn't say these expenses because, like, if we have we're going away with plan for it, and then every other bill that we have, I plan for it each week anyway and put it aside. So I honestly, it's just I know that it's like it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up. And that I know is costing a lot without realizing. And then I'm trying to make sure I get everything in the one shop even if it's a little bit more because I feel like it's still saving my book. And then it's just our day to day, like I don't know. Just every week, they're thinking something else, like, you know, haircuts and then dog grooming and then at Mother's Day, it's still going out and like, it's just like every week, we never have any money over, and then we're just, like, digging into the savings. So it's like we're just not it's sort of stagnant. Yep. Yeah. Mhmm. Yeah. Yes. Yeah. Yep. And okay. Yeah. Yeah. I like that. Yes. Makes sense. Yep. Okay. Yep. Yes. Okay. Mhmm. Mhmm. Yeah. That'll be good. Yeah. It would be good. That's what I'm trying to aim for, but this doesn't seem to happen. Mhmm. Mhmm. Yeah. Okay. Yeah. Hopefully. I'm sorry. Yes. Mhmm. Yes. Yeah. I think maybe that's what the problem is that I'm trying to go too hard in it, and it's just not realistic at the moment. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. That's funny. Yeah. If you're not watching it, it just really goes. I'm just crap. I reckon. Mm-mm. Yeah. I don't wanna do that. I mean, I've got friends that are in a really good position, but then, you know, like, a lot of the times, the women complain to me how they're no longer doing anything or send anyone or anything. And I'm like, oh, that's not really that's not fun to do. But then we're probably just a bit too little where we're just like, oh, I will just spend it. So that's why I just wanna try and clean up the at it a little bit so that we just can try and put up. I'm gonna be there too soon. Mhmm. Yes. Yep. Yeah. Okay. Yep. Yeah. Okay. Sounds I mean, look. I'll talk to my husband. We're always really renovate when we first talk about it. It's just sending me to it. So I'll definitely chat to him and try and work something out just to try and control the data or the weekly a bit more. Yep. Okay. No worries. Yeah. Yeah. It's good to know because it does feel really frustrating where I'm like, why aren't we doing better? But it's yeah. At the moment, we don't get going on. It's quite difficult. Yeah. Yeah. Yeah. Yeah. Cool. Yes. That sounds perfect. Thank you so much for your time. Yeah. That would be good. Yeah. If I could get just, like, a bit of summary of what I should focus on the next few months, that would be perfect. So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright. Thank you for the moment. Yes. Okay. Thanks again. Alright. Thank you. You too. 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Leah speaking. Good. How are you? Yeah.\n\nThanks. Yeah. Yes. I do. Sure.\n\n77 South Mountain 8938 O'Leary Way, New England, Detroit, 350. Yeah. Probably. Yep. No.\n\nI didn't really end up submitting everything because she wanted, like, very much stuff, and I didn't really have the time to do it because I wasn't looking to refinance. So I don't know if she just had asked me so much information that it was just it was too hard for me to get it. So I probably do wanna refinance. I'm just not sure if there's much point at the moment with interest rates that it keep going up. So I didn't know whether it was worth waiting.\n\nBut, yeah, nothing really came to that. I think we're on it's gone up, and it just went up on Tuesday. So, I mean, from the last week, I don't mean the RBA meeting. I mean, like, from the last increase, it just went up. And my right now, it's It's not down, I think.\n\nI think it's, like, 6.1 nine. Well, it will after June, Wednesday, whenever they're meant. Yeah. So, yeah, on my she my mortgage payment is now $9.75 per week. I think it might have been at $9.30 on the phone.\n\nYeah. I have. And I can be completely honest and say that on paper, like, we earn exactly good money and we should be in a better position, but we overspend every single week. So I don't even know what the problem is. We need to overspend every week on just, I don't know, food and drinks and, I don't know, doing rolling out for dinner and, you know, that sort of stuff.\n\nYeah. Oh, okay. Yeah. Yeah. Yeah.\n\nOffset. So in like, my savings is I've got, like, four or five offset accounts. So and then the home loan, we can redraw on it. So the savings, like, savings money I've got sitting in a home loan account and then the kids savings and, like, bills money and stuff, I've got in offset accounts. Yeah.\n\nIt's, like, 980 a month. So 200 or so. I'll put it on my what did I put on the spreadsheet? Yes. Yes.\n\nYes. Yes. Yes. Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Also, all my insurances have gone up as well, like, significantly.\n\nSo I guess that's why we've decided, like, we could afford the caravan, and that was just part of the lifestyle that we wanted. So I'm just alone. I think it's six years, and we're about one year in. So, you know, I know that we should be doing better, but it's also like we need to also live. So I don't know.\n\nYeah. Yeah. Yep. I'm doing that. Yeah.\n\nI pretty much try and keep all my money in for as long as possible and then pay it out so that it can when they calculate it, the mortgage, like, the interest per month, it's hopefully as well as possible. Yep. Yep. Yeah. Okay.\n\nWhich I knew I knew. I just wanted to see if there is something else we should be doing. Like, I feel like that we're doing everything the right way except for them when it's into, like, the weekend stuff. It's really just, I don't know. I guess, we have just to get my credit limit a bit.\n\nYes. Yep. Yeah. Yep. Right.\n\nYes. Yes. Yes. Yep. Yes.\n\nYeah. Okay. Yep. Yeah. I think so.\n\nInstead of just randomly buying it, put the money aside. And then yeah. Yep. Yeah. Yeah.\n\nOkay. Yeah. Okay. Yep. Yes.\n\nYes. Yeah. How sorry. I was just I was just gonna ask why he said like, in the calculator, like, we could zero to reduce the home pay off of home maintenance. Like, what would that look like?\n\nLike, how would you do that? I don't think that's, like, achievable for us right now, but I'm curious as to what that would look like. Yep. Yes. Yes.\n\nYeah. Okay. Yes. Yeah. We just gotta stop putting more money on home loans, really.\n\nYes. Yep. Well, in terms of the bigger expenses, like, the bills, I put that aside each week. So that, like, cancel rates and rego and all that sort of stuff. Like, everything is full side each week so I can just pay it.\n\nIf we have a holiday, we'll, like, sort of save for that. We'll, like, plan it a few months sort of out and then save up for that. So then, like, we can save up a bit and then we pretty much just save it all there as long ago. It's not like we go overseas, and we'll never people never been overseas with us, but we could do, like, a caravan trip last year, and we're planning on doing another one at the end of the year. So I don't know when like, we don't really have too many.\n\nI wouldn't say these expenses because, like, if we have we're going away with plan for it, and then every other bill that we have, I plan for it each week anyway and put it aside. So I honestly, it's just I know that it's like it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up. And that I know is costing a lot without realizing. And then I'm trying to make sure I get everything in the one shop even if it's a little bit more because I feel like it's still saving my book. And then it's just our day to day, like I don't know.\n\nJust every week, they're thinking something else, like, you know, haircuts and then dog grooming and then at Mother's Day, it's still going out and like, it's just like every week, we never have any money over, and then we're just, like, digging into the savings. So it's like we're just not it's sort of stagnant. Yep. Yeah. Mhmm.\n\nYeah. Yes. Yeah. Yep. And okay.\n\nYeah. Yeah. I like that. Yes. Makes sense.\n\nYep. Okay. Yep. Yes. Okay.\n\nMhmm. Mhmm. Yeah. That'll be good. Yeah.\n\nIt would be good. That's what I'm trying to aim for, but this doesn't seem to happen. Mhmm. Mhmm. Yeah.\n\nOkay. Yeah. Hopefully. I'm sorry. Yes.\n\nMhmm. Yes. Yeah. I think maybe that's what the problem is that I'm trying to go too hard in it, and it's just not realistic at the moment. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nThat's funny. Yeah. If you're not watching it, it just really goes. I'm just crap. I reckon.\n\nMm-mm. Yeah. I don't wanna do that. I mean, I've got friends that are in a really good position, but then, you know, like, a lot of the times, the women complain to me how they're no longer doing anything or send anyone or anything. And I'm like, oh, that's not really that's not fun to do.\n\nBut then we're probably just a bit too little where we're just like, oh, I will just spend it. So that's why I just wanna try and clean up the at it a little bit so that we just can try and put up. I'm gonna be there too soon. Mhmm. Yes.\n\nYep. Yeah. Okay. Yep. Yeah.\n\nOkay. Sounds I mean, look. I'll talk to my husband. We're always really renovate when we first talk about it. It's just sending me to it.\n\nSo I'll definitely chat to him and try and work something out just to try and control the data or the weekly a bit more. Yep. Okay. No worries. Yeah.\n\nYeah. It's good to know because it does feel really frustrating where I'm like, why aren't we doing better? But it's yeah. At the moment, we don't get going on. It's quite difficult.\n\nYeah. Yeah. Yeah. Yeah. Cool.\n\nYes. That sounds perfect. Thank you so much for your time. Yeah. That would be good.\n\nYeah. If I could get just, like, a bit of summary of what I should focus on the next few months, that would be perfect. So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright. Thank you for the moment. Yes.\n\nOkay. Thanks again. Alright. Thank you. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.02688639797270298},{"text":"Leah speaking.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.026181595399975777},{"text":"Good.","start":6.0,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.32841819524765015},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.24681279063224792},{"text":"Yeah.","start":12.32,"end":12.639999,"sentiment":"positive","sentiment_score":0.3664954900741577}],"sentiment":"neutral","sentiment_score":0.18932520574890077,"num_words":8,"start":0.24,"end":12.639999},{"sentences":[{"text":"Thanks.","start":12.639999,"end":13.139999,"sentiment":"positive","sentiment_score":0.5276076793670654},{"text":"Yeah.","start":20.795,"end":21.295,"sentiment":"neutral","sentiment_score":0.015672829002141953},{"text":"Yes.","start":22.235,"end":22.555,"sentiment":"neutral","sentiment_score":0.11700891703367232},{"text":"I do.","start":22.555,"end":23.215,"sentiment":"neutral","sentiment_score":0.2125459685921669},{"text":"Sure.","start":36.3,"end":36.8,"sentiment":"neutral","sentiment_score":0.07823970168828964}],"sentiment":"neutral","sentiment_score":0.19393684404591718,"num_words":6,"start":12.639999,"end":36.8},{"sentences":[{"text":"77 South Mountain 8938 O'Leary Way, New England, Detroit, 350.","start":46.565,"end":51.864998,"sentiment":"neutral","sentiment_score":0.020759018883109093},{"text":"Yeah.","start":67.225,"end":67.545,"sentiment":"neutral","sentiment_score":0.02985909767448902},{"text":"Probably.","start":67.545,"end":68.045,"sentiment":"neutral","sentiment_score":0.027578312903642654},{"text":"Yep.","start":68.265,"end":68.765,"sentiment":"neutral","sentiment_score":0.09206512570381165},{"text":"No.","start":83.130005,"end":83.450005,"sentiment":"neutral","sentiment_score":-0.2683964967727661}],"sentiment":"neutral","sentiment_score":0.006335444881447724,"num_words":14,"start":46.565,"end":83.450005},{"sentences":[{"text":"I didn't really end up submitting everything because she wanted, like, very much stuff, and I didn't really have the time to do it because I wasn't looking to refinance.","start":83.450005,"end":92.270004,"sentiment":"negative","sentiment_score":-0.34918243090311685},{"text":"So I don't know if she just had asked me so much information that it was just it was too hard for me to get it.","start":94.275,"end":99.475006,"sentiment":"negative","sentiment_score":-0.4625483544973227},{"text":"So I probably do wanna refinance.","start":99.475006,"end":102.835,"sentiment":"neutral","sentiment_score":-0.287833109498024},{"text":"I'm just not sure if there's much point at the moment with interest rates that it keep going up.","start":102.835,"end":107.04,"sentiment":"negative","sentiment_score":-0.37709830622924},{"text":"So I didn't know whether it was worth waiting.","start":107.28,"end":108.98,"sentiment":"neutral","sentiment_score":-0.31724456283781266}],"sentiment":"negative","sentiment_score":-0.3805421964989768,"num_words":90,"start":83.450005,"end":108.98},{"sentences":[{"text":"But, yeah, nothing really came to that.","start":110.32,"end":112.340004,"sentiment":"neutral","sentiment_score":-0.29556908777781893},{"text":"I think we're on it's gone up, and it just went up on Tuesday.","start":128.785,"end":132.245,"sentiment":"positive","sentiment_score":0.37208320413317},{"text":"So, I mean, from the last week, I don't mean the RBA meeting.","start":132.73001,"end":137.31001,"sentiment":"neutral","sentiment_score":0.04184622718737675},{"text":"I mean, like, from the last increase, it just went up.","start":137.37001,"end":139.95001,"sentiment":"neutral","sentiment_score":0.08880082653327422},{"text":"And my right now, it's It's not down, I think.","start":140.25,"end":150.79501,"sentiment":"neutral","sentiment_score":0.022508022689726202}],"sentiment":"neutral","sentiment_score":0.08883766392034224,"num_words":55,"start":110.32,"end":150.79501},{"sentences":[{"text":"I think it's, like, 6.1 nine.","start":150.79501,"end":157.595,"sentiment":"neutral","sentiment_score":0.06581628508865833},{"text":"Well, it will after June, Wednesday, whenever they're meant.","start":157.595,"end":160.71501,"sentiment":"neutral","sentiment_score":0.048730652779340744},{"text":"Yeah.","start":160.71501,"end":161.01,"sentiment":"neutral","sentiment_score":0.1333009898662567},{"text":"So, yeah, on my she my mortgage payment is now $9.75 per week.","start":163.17,"end":167.32999,"sentiment":"neutral","sentiment_score":0.1421121622507389},{"text":"I think it might have been at $9.30 on the phone.","start":167.32999,"end":169.82999,"sentiment":"neutral","sentiment_score":0.1378320171074434}],"sentiment":"neutral","sentiment_score":0.1082596218213439,"num_words":40,"start":150.79501,"end":169.82999},{"sentences":[{"text":"Yeah.","start":182.88501,"end":183.38501,"sentiment":"neutral","sentiment_score":0.16824015974998474},{"text":"I have.","start":198.08,"end":198.9,"sentiment":"neutral","sentiment_score":0.035411424934864044},{"text":"And I can be completely honest and say that on paper, like, we earn exactly good money and we should be in a better position, but we overspend every single week.","start":199.2,"end":210.125,"sentiment":"neutral","sentiment_score":-0.01853929592236395},{"text":"So I don't even know what the problem is.","start":210.125,"end":211.98499,"sentiment":"negative","sentiment_score":-0.3786237835884094},{"text":"We need to overspend every week on just, I don't know, food and drinks and, I don't know, doing rolling out for dinner and, you know, that sort of stuff.","start":213.56499,"end":223.24,"sentiment":"neutral","sentiment_score":-0.30750228961308795}],"sentiment":"neutral","sentiment_score":-0.17764846444742322,"num_words":73,"start":182.88501,"end":223.24},{"sentences":[{"text":"Yeah.","start":251.56,"end":252.06,"sentiment":"neutral","sentiment_score":0.042658135294914246},{"text":"Oh, okay.","start":252.2,"end":253.0,"sentiment":"neutral","sentiment_score":0.03127732127904892},{"text":"Yeah.","start":253.0,"end":253.48,"sentiment":"neutral","sentiment_score":0.03993275389075279},{"text":"Yeah.","start":253.48,"end":253.98,"sentiment":"neutral","sentiment_score":0.0450676754117012},{"text":"Yeah.","start":264.785,"end":265.185,"sentiment":"neutral","sentiment_score":0.015672873705625534}],"sentiment":"neutral","sentiment_score":0.03431434681018194,"num_words":6,"start":251.56,"end":265.185},{"sentences":[{"text":"Offset.","start":265.185,"end":265.685,"sentiment":"neutral","sentiment_score":0.012987884692847729},{"text":"So in like, my savings is I've got, like, four or five offset accounts.","start":265.825,"end":272.325,"sentiment":"neutral","sentiment_score":0.02994348228509937},{"text":"So and then the home loan, we can redraw on it.","start":273.72998,"end":276.21,"sentiment":"neutral","sentiment_score":0.058750003914941444},{"text":"So the savings, like, savings money I've got sitting in a home loan account and then the kids savings and, like, bills money and stuff, I've got in offset accounts.","start":276.21,"end":285.255,"sentiment":"neutral","sentiment_score":0.0848652766396602},{"text":"Yeah.","start":291.815,"end":292.315,"sentiment":"neutral","sentiment_score":0.01523568481206894}],"sentiment":"neutral","sentiment_score":0.06385334497807842,"num_words":57,"start":265.185,"end":292.315},{"sentences":[{"text":"It's, like, 980 a month.","start":296.375,"end":299.275,"sentiment":"neutral","sentiment_score":-0.0021647306159138678},{"text":"So 200 or so.","start":299.335,"end":302.33,"sentiment":"neutral","sentiment_score":0.005084226839244366},{"text":"I'll put it on my what did I put on the spreadsheet?","start":302.33,"end":304.66998,"sentiment":"neutral","sentiment_score":0.01836080802604556},{"text":"Yes.","start":338.77002,"end":339.27002,"sentiment":"neutral","sentiment_score":0.05551566928625107},{"text":"Yes.","start":339.33002,"end":339.83002,"sentiment":"neutral","sentiment_score":0.08767783641815186}],"sentiment":"neutral","sentiment_score":0.016218976360624252,"num_words":23,"start":296.375,"end":339.83002},{"sentences":[{"text":"Yes.","start":360.36,"end":360.86,"sentiment":"positive","sentiment_score":0.3559355139732361},{"text":"Yes.","start":370.91998,"end":371.41998,"sentiment":"neutral","sentiment_score":0.04627696052193642},{"text":"Yes.","start":378.965,"end":379.465,"sentiment":"neutral","sentiment_score":0.10054457187652588},{"text":"Yes.","start":387.93,"end":388.43,"sentiment":"neutral","sentiment_score":0.0460686981678009},{"text":"Yeah.","start":395.21,"end":395.71,"sentiment":"neutral","sentiment_score":-0.05319488048553467}],"sentiment":"neutral","sentiment_score":0.09912617281079292,"num_words":5,"start":360.36,"end":395.71},{"sentences":[{"text":"Yeah.","start":399.93,"end":400.43,"sentiment":"neutral","sentiment_score":-0.019488465040922165},{"text":"Yeah.","start":402.09,"end":402.59,"sentiment":"neutral","sentiment_score":0.03998282551765442},{"text":"Yeah.","start":413.98502,"end":414.48502,"sentiment":"neutral","sentiment_score":-0.02264730259776115},{"text":"Yeah.","start":428.44,"end":428.76,"sentiment":"neutral","sentiment_score":0.03349665552377701},{"text":"Also, all my insurances have gone up as well, like, significantly.","start":428.76,"end":432.22,"sentiment":"neutral","sentiment_score":0.1149792004037987}],"sentiment":"neutral","sentiment_score":0.0864076611896356,"num_words":15,"start":399.93,"end":432.22},{"sentences":[{"text":"So I guess that's why we've decided, like, we could afford the caravan, and that was just part of the lifestyle that we wanted.","start":434.185,"end":441.385,"sentiment":"neutral","sentiment_score":0.2734021171927452},{"text":"So I'm just alone.","start":441.385,"end":443.945,"sentiment":"neutral","sentiment_score":-0.10177365504205227},{"text":"I think it's six years, and we're about one year in.","start":443.945,"end":446.28,"sentiment":"neutral","sentiment_score":0.0024506930600513106},{"text":"So, you know, I know that we should be doing better, but it's also like we need to also live.","start":446.36,"end":453.56,"sentiment":"neutral","sentiment_score":0.011852669343352319},{"text":"So I don't know.","start":453.56,"end":456.46,"sentiment":"neutral","sentiment_score":-0.1834543626755476}],"sentiment":"neutral","sentiment_score":0.09023412305211263,"num_words":63,"start":434.185,"end":456.46},{"sentences":[{"text":"Yeah.","start":468.625,"end":469.125,"sentiment":"neutral","sentiment_score":0.14054670929908752},{"text":"Yeah.","start":469.185,"end":469.685,"sentiment":"neutral","sentiment_score":0.2800593078136444},{"text":"Yep.","start":490.535,"end":490.935,"sentiment":"neutral","sentiment_score":0.31279024481773376},{"text":"I'm doing that.","start":490.935,"end":494.555,"sentiment":"positive","sentiment_score":0.35419467091560364},{"text":"Yeah.","start":495.655,"end":496.155,"sentiment":"positive","sentiment_score":0.4459742903709411}],"sentiment":"neutral","sentiment_score":0.32027922357831684,"num_words":7,"start":468.625,"end":496.155},{"sentences":[{"text":"I pretty much try and keep all my money in for as long as possible and then pay it out so that it can when they calculate it, the mortgage, like, the interest per month, it's hopefully as well as possible.","start":496.855,"end":507.96,"sentiment":"positive","sentiment_score":0.41127604682271074},{"text":"Yep.","start":519.765,"end":520.265,"sentiment":"positive","sentiment_score":0.3813444972038269},{"text":"Yep.","start":528.48505,"end":528.98505,"sentiment":"neutral","sentiment_score":0.0556221567094326},{"text":"Yeah.","start":533.49,"end":533.97,"sentiment":"neutral","sentiment_score":0.015635043382644653},{"text":"Okay.","start":533.97,"end":534.37,"sentiment":"neutral","sentiment_score":0.007392030209302902}],"sentiment":"positive","sentiment_score":0.3849402588274744,"num_words":45,"start":496.855,"end":534.37},{"sentences":[{"text":"Which I knew I knew.","start":534.37,"end":535.57,"sentiment":"neutral","sentiment_score":-0.0649476557970047},{"text":"I just wanted to see if there is something else we should be doing.","start":535.57,"end":541.08997,"sentiment":"neutral","sentiment_score":-0.056678567081689835},{"text":"Like, I feel like that we're doing everything the right way except for them when it's into, like, the weekend stuff.","start":541.08997,"end":546.76996,"sentiment":"neutral","sentiment_score":0.04800440459733918},{"text":"It's really just, I don't know.","start":546.76996,"end":548.92505,"sentiment":"neutral","sentiment_score":-0.1930606191356977},{"text":"I guess, we have just to get my credit limit a 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think so.","start":654.695,"end":655.735,"sentiment":"positive","sentiment_score":0.349169393380483}],"sentiment":"neutral","sentiment_score":0.2857284758772169,"num_words":7,"start":613.985,"end":655.735},{"sentences":[{"text":"Instead of just randomly buying it, put the money aside.","start":655.735,"end":658.39496,"sentiment":"neutral","sentiment_score":0.29518200904130937},{"text":"And then yeah.","start":659.815,"end":664.315,"sentiment":"positive","sentiment_score":0.385179728269577},{"text":"Yep.","start":665.65497,"end":666.15497,"sentiment":"neutral","sentiment_score":0.034739043563604355},{"text":"Yeah.","start":686.385,"end":686.465,"sentiment":"neutral","sentiment_score":0.20673692226409912},{"text":"Yeah.","start":686.465,"end":686.965,"sentiment":"neutral","sentiment_score":0.23916126787662503}],"sentiment":"neutral","sentiment_score":0.2867497818078846,"num_words":16,"start":655.735,"end":686.965},{"sentences":[{"text":"Okay.","start":687.025,"end":687.525,"sentiment":"neutral","sentiment_score":0.30822640657424927},{"text":"Yeah.","start":710.745,"end":711.245,"sentiment":"neutral","sentiment_score":0.1563989222049713},{"text":"Okay.","start":713.145,"end":713.645,"sentiment":"neutral","sentiment_score":0.2339876294136047},{"text":"Yep.","start":718.585,"end":719.085,"sentiment":"neutral","sentiment_score":0.1470128893852234},{"text":"Yes.","start":728.43,"end":728.93,"sentiment":"neutral","sentiment_score":-0.002011466771364212}],"sentiment":"neutral","sentiment_score":0.1687228761613369,"num_words":5,"start":687.025,"end":728.93},{"sentences":[{"text":"Yes.","start":743.385,"end":743.885,"sentiment":"neutral","sentiment_score":-0.20662060379981995},{"text":"Yeah.","start":752.27997,"end":752.77997,"sentiment":"neutral","sentiment_score":-0.09853500127792358},{"text":"How sorry.","start":753.24,"end":755.1,"sentiment":"neutral","sentiment_score":-0.2563520073890686},{"text":"I was just I was just gonna ask why he said like, in the calculator, like, we could zero to reduce the home pay off of home maintenance.","start":757.63995,"end":766.53503,"sentiment":"neutral","sentiment_score":-0.1827835278319461},{"text":"Like, what would that look like?","start":766.675,"end":767.955,"sentiment":"neutral","sentiment_score":-0.09925155093272527}],"sentiment":"neutral","sentiment_score":-0.1718765185459664,"num_words":38,"start":743.385,"end":767.955},{"sentences":[{"text":"Like, how would you do that?","start":767.955,"end":769.075,"sentiment":"neutral","sentiment_score":-0.10940573861201604},{"text":"I don't think that's, like, achievable for us right now, but I'm curious as to what that would look like.","start":769.075,"end":774.75,"sentiment":"neutral","sentiment_score":-0.2035802774131298},{"text":"Yep.","start":783.95,"end":784.45,"sentiment":"neutral","sentiment_score":0.1593340039253235},{"text":"Yes.","start":789.02496,"end":789.52496,"sentiment":"neutral","sentiment_score":0.03909102454781532},{"text":"Yes.","start":800.625,"end":801.09,"sentiment":"neutral","sentiment_score":0.17047721147537231}],"sentiment":"neutral","sentiment_score":-0.1503150944822821,"num_words":29,"start":767.955,"end":801.09},{"sentences":[{"text":"Yeah.","start":810.21,"end":810.71,"sentiment":"neutral","sentiment_score":0.11131548881530762},{"text":"Okay.","start":812.37006,"end":812.87006,"sentiment":"neutral","sentiment_score":0.12710121273994446},{"text":"Yes.","start":826.005,"end":826.35,"sentiment":"neutral","sentiment_score":0.2309357523918152},{"text":"Yeah.","start":840.255,"end":840.655,"sentiment":"neutral","sentiment_score":0.006402216851711273},{"text":"We just gotta stop putting more money on home loans, really.","start":840.655,"end":843.395,"sentiment":"neutral","sentiment_score":-0.2850866520946676}],"sentiment":"neutral","sentiment_score":-0.177346566816171,"num_words":15,"start":810.21,"end":843.395},{"sentences":[{"text":"Yes.","start":851.375,"end":851.875,"sentiment":"neutral","sentiment_score":0.04317839816212654},{"text":"Yep.","start":861.82996,"end":862.32996,"sentiment":"neutral","sentiment_score":0.07769923657178879},{"text":"Well, in terms of the bigger expenses, like, the bills, I put that aside each week.","start":881.31,"end":888.26996,"sentiment":"neutral","sentiment_score":0.060349563136696815},{"text":"So that, like, cancel rates and rego and all that sort of stuff.","start":888.26996,"end":894.24506,"sentiment":"neutral","sentiment_score":0.039632315532519266},{"text":"Like, everything is full side each week so I can just pay it.","start":894.24506,"end":897.625,"sentiment":"neutral","sentiment_score":0.1633627019249476}],"sentiment":"neutral","sentiment_score":0.0846683152697303,"num_words":44,"start":851.375,"end":897.625},{"sentences":[{"text":"If we have a holiday, we'll, like, sort of save for that.","start":897.765,"end":901.625,"sentiment":"neutral","sentiment_score":0.17998852456609407},{"text":"We'll, like, plan it a few months sort of out and then save up for that.","start":902.965,"end":907.18,"sentiment":"neutral","sentiment_score":0.22788778715766966},{"text":"So then, like, we can save up a bit and then we pretty much just save it all there as long ago.","start":907.18,"end":911.60004,"sentiment":"positive","sentiment_score":0.4324010217731649},{"text":"It's not like we go overseas, and we'll never people never been overseas with us, but we could do, like, a caravan trip last year, and we're planning on doing another one at the end of the year.","start":912.7,"end":922.755,"sentiment":"neutral","sentiment_score":0.23570431984568896},{"text":"So I don't know when like, we don't really have too many.","start":923.695,"end":927.775,"sentiment":"neutral","sentiment_score":-0.027111502053836983}],"sentiment":"neutral","sentiment_score":0.23950315497815608,"num_words":100,"start":897.765,"end":927.775},{"sentences":[{"text":"I wouldn't say these expenses because, like, if we have we're going away with plan for it, and then every other bill that we have, I plan for it each week anyway and put it aside.","start":927.775,"end":936.96,"sentiment":"neutral","sentiment_score":0.06300774806489547},{"text":"So I honestly, it's just I know that it's like it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up.","start":936.96,"end":949.995,"sentiment":"neutral","sentiment_score":0.27660184495505835},{"text":"And that I know is costing a lot without realizing.","start":951.09503,"end":954.555,"sentiment":"neutral","sentiment_score":-0.053650425374507905},{"text":"And then I'm trying to make sure I get everything in the one shop even if it's a little bit more because I feel like it's still saving my book.","start":955.175,"end":962.795,"sentiment":"neutral","sentiment_score":0.3295385643839836},{"text":"And then it's just our day to day, like I don't know.","start":964.29,"end":967.64996,"sentiment":"neutral","sentiment_score":0.11042503081262112}],"sentiment":"neutral","sentiment_score":0.18892545743057362,"num_words":130,"start":927.775,"end":967.64996},{"sentences":[{"text":"Just every week, they're thinking something else, like, you know, haircuts and then dog grooming and then at Mother's Day, it's still going out and like, it's just like every week, we never have any money over, and then we're just, like, digging into the savings.","start":967.64996,"end":979.325,"sentiment":"neutral","sentiment_score":-0.08300598070997259},{"text":"So it's like we're just not it's sort of stagnant.","start":979.325,"end":981.825,"sentiment":"negative","sentiment_score":-0.3679917812347412},{"text":"Yep.","start":1004.57,"end":1005.015,"sentiment":"neutral","sentiment_score":0.3201662003993988},{"text":"Yeah.","start":1005.735,"end":1006.235,"sentiment":"positive","sentiment_score":0.3666623830795288},{"text":"Mhmm.","start":1024.41,"end":1024.49,"sentiment":"neutral","sentiment_score":0.14283928275108335}],"sentiment":"neutral","sentiment_score":-0.11302584845383289,"num_words":59,"start":967.64996,"end":1024.49},{"sentences":[{"text":"Yeah.","start":1024.49,"end":1024.99,"sentiment":"neutral","sentiment_score":0.23580262064933777},{"text":"Yes.","start":1042.605,"end":1043.105,"sentiment":"neutral","sentiment_score":0.21188145875930783},{"text":"Yeah.","start":1051.03,"end":1051.53,"sentiment":"neutral","sentiment_score":0.1708211600780487},{"text":"Yep.","start":1062.645,"end":1063.145,"sentiment":"neutral","sentiment_score":0.29223161935806274},{"text":"And okay.","start":1063.525,"end":1065.305,"sentiment":"neutral","sentiment_score":0.2773607224225998}],"sentiment":"neutral","sentiment_score":0.24424305061499277,"num_words":6,"start":1024.49,"end":1065.305},{"sentences":[{"text":"Yeah.","start":1091.045,"end":1091.545,"sentiment":"neutral","sentiment_score":0.19762971997261047},{"text":"Yeah.","start":1092.805,"end":1093.305,"sentiment":"positive","sentiment_score":0.34392160177230835},{"text":"I like that.","start":1094.5651,"end":1095.24,"sentiment":"positive","sentiment_score":0.5499549905459086},{"text":"Yes.","start":1127.61,"end":1128.11,"sentiment":"neutral","sentiment_score":0.27349889278411865},{"text":"Makes sense.","start":1128.57,"end":1129.47,"sentiment":"neutral","sentiment_score":0.2944876253604889}],"sentiment":"positive","sentiment_score":0.38173630461096764,"num_words":8,"start":1091.045,"end":1129.47},{"sentences":[{"text":"Yep.","start":1148.91,"end":1149.41,"sentiment":"neutral","sentiment_score":0.18264828622341156},{"text":"Okay.","start":1152.3501,"end":1152.8501,"sentiment":"neutral","sentiment_score":0.17882609367370603},{"text":"Yep.","start":1164.7051,"end":1165.2051,"sentiment":"neutral","sentiment_score":0.14398783445358276},{"text":"Yes.","start":1178.145,"end":1178.645,"sentiment":"neutral","sentiment_score":0.16333132982254028},{"text":"Okay.","start":1180.22,"end":1180.72,"sentiment":"neutral","sentiment_score":0.20625874400138855}],"sentiment":"neutral","sentiment_score":0.17501045763492584,"num_words":5,"start":1148.91,"end":1180.72},{"sentences":[{"text":"Mhmm.","start":1189.5,"end":1190.0,"sentiment":"neutral","sentiment_score":0.09056105464696884},{"text":"Mhmm.","start":1207.715,"end":1208.13,"sentiment":"neutral","sentiment_score":0.10589476674795152},{"text":"Yeah.","start":1214.13,"end":1214.63,"sentiment":"neutral","sentiment_score":0.3159729838371277},{"text":"That'll be good.","start":1215.57,"end":1216.47,"sentiment":"positive","sentiment_score":0.46170305212338764},{"text":"Yeah.","start":1244.01,"end":1244.33,"sentiment":"neutral","sentiment_score":0.27388665080070496}],"sentiment":"neutral","sentiment_score":0.3102035160575594,"num_words":7,"start":1189.5,"end":1244.33},{"sentences":[{"text":"It would be good.","start":1244.33,"end":1245.21,"sentiment":"positive","sentiment_score":0.3818937689065933},{"text":"That's what I'm trying to aim for, but this doesn't seem to happen.","start":1245.21,"end":1247.87,"sentiment":"neutral","sentiment_score":0.08971532921378429},{"text":"Mhmm.","start":1256.165,"end":1256.665,"sentiment":"neutral","sentiment_score":0.1008034348487854},{"text":"Mhmm.","start":1262.7251,"end":1263.2251,"sentiment":"neutral","sentiment_score":0.018460344523191452},{"text":"Yeah.","start":1272.42,"end":1272.92,"sentiment":"neutral","sentiment_score":0.16350415349006653}],"sentiment":"neutral","sentiment_score":0.14883211441338062,"num_words":20,"start":1244.33,"end":1272.92},{"sentences":[{"text":"Okay.","start":1277.565,"end":1278.065,"sentiment":"neutral","sentiment_score":0.05906198173761368},{"text":"Yeah.","start":1285.005,"end":1285.4049,"sentiment":"neutral","sentiment_score":-0.006688140332698822},{"text":"Hopefully.","start":1285.4049,"end":1285.9049,"sentiment":"neutral","sentiment_score":0.0065293461084365845},{"text":"I'm sorry.","start":1286.125,"end":1286.7849,"sentiment":"neutral","sentiment_score":-0.05330131947994232},{"text":"Yes.","start":1293.98,"end":1294.48,"sentiment":"neutral","sentiment_score":0.1794147938489914}],"sentiment":"neutral","sentiment_score":0.021952557067076366,"num_words":6,"start":1277.565,"end":1294.48},{"sentences":[{"text":"Mhmm.","start":1323.83,"end":1324.33,"sentiment":"neutral","sentiment_score":0.1093415915966034},{"text":"Yes.","start":1329.9651,"end":1330.4651,"sentiment":"neutral","sentiment_score":0.20740661025047305},{"text":"Yeah.","start":1346.3201,"end":1346.64,"sentiment":"neutral","sentiment_score":-0.07628993690013885},{"text":"I think maybe that's what the problem is that I'm trying to go too hard in it, and it's just not realistic at the moment.","start":1346.64,"end":1352.34,"sentiment":"negative","sentiment_score":-0.3916562432050705},{"text":"Yeah.","start":1368.765,"end":1369.005,"sentiment":"neutral","sentiment_score":0.05126247927546501}],"sentiment":"neutral","sentiment_score":-0.3275753564104952,"num_words":29,"start":1323.83,"end":1369.005},{"sentences":[{"text":"Yeah.","start":1369.005,"end":1369.505,"sentiment":"neutral","sentiment_score":0.06632166355848312},{"text":"Yeah.","start":1379.82,"end":1380.32,"sentiment":"neutral","sentiment_score":0.2301247715950012},{"text":"Yep.","start":1388.295,"end":1388.795,"sentiment":"positive","sentiment_score":0.3622119426727295},{"text":"Yeah.","start":1394.855,"end":1395.355,"sentiment":"neutral","sentiment_score":0.0961938425898552},{"text":"Yeah.","start":1396.375,"end":1396.875,"sentiment":"neutral","sentiment_score":0.1594865471124649}],"sentiment":"neutral","sentiment_score":0.18286775350570678,"num_words":5,"start":1369.005,"end":1396.875},{"sentences":[{"text":"That's funny.","start":1398.295,"end":1399.035,"sentiment":"neutral","sentiment_score":0.24139192700386047},{"text":"Yeah.","start":1411.74,"end":1412.0599,"sentiment":"neutral","sentiment_score":-0.100289449095726},{"text":"If you're not watching it, it just really goes.","start":1412.0599,"end":1414.0599,"sentiment":"negative","sentiment_score":-0.4050897690984938},{"text":"I'm just crap.","start":1414.0599,"end":1414.915,"sentiment":"negative","sentiment_score":-0.6752488017082214},{"text":"I reckon.","start":1414.915,"end":1416.215,"sentiment":"neutral","sentiment_score":-0.20186030864715576}],"sentiment":"negative","sentiment_score":-0.3348694434937309,"num_words":17,"start":1398.295,"end":1416.215},{"sentences":[{"text":"Mm-mm.","start":1421.915,"end":1422.415,"sentiment":"negative","sentiment_score":-0.5148900747299194},{"text":"Yeah.","start":1428.115,"end":1428.515,"sentiment":"negative","sentiment_score":-0.3827381134033203},{"text":"I don't wanna do that.","start":1428.515,"end":1429.8151,"sentiment":"negative","sentiment_score":-0.5992933988571167},{"text":"I mean, I've got friends that are in a really good position, but then, you know, like, a lot of the times, the women complain to me how they're no longer doing anything or send anyone or anything.","start":1430.13,"end":1439.65,"sentiment":"negative","sentiment_score":-0.4287156874411984},{"text":"And I'm like, oh, that's not really that's not fun to do.","start":1439.65,"end":1444.15,"sentiment":"negative","sentiment_score":-0.6009294167160988}],"sentiment":"negative","sentiment_score":-0.48063937378557103,"num_words":57,"start":1421.915,"end":1444.15},{"sentences":[{"text":"But then we're probably just a bit too little where we're just like, oh, I will just spend it.","start":1446.625,"end":1450.4651,"sentiment":"neutral","sentiment_score":-0.2865930093746436},{"text":"So that's why I just wanna try and clean up the at it a little bit so that we just can try and put up.","start":1450.4651,"end":1456.2251,"sentiment":"neutral","sentiment_score":-0.2134241008758545},{"text":"I'm gonna be there too soon.","start":1456.2251,"end":1457.58,"sentiment":"neutral","sentiment_score":-0.18940874437491098},{"text":"Mhmm.","start":1467.1799,"end":1467.6799,"sentiment":"neutral","sentiment_score":0.06923387944698334},{"text":"Yes.","start":1481.435,"end":1481.935,"sentiment":"neutral","sentiment_score":0.17377713322639465}],"sentiment":"neutral","sentiment_score":-0.22450598372289768,"num_words":52,"start":1446.625,"end":1481.935},{"sentences":[{"text":"Yep.","start":1487.3701,"end":1487.8701,"sentiment":"neutral","sentiment_score":0.049794889986515045},{"text":"Yeah.","start":1496.17,"end":1496.67,"sentiment":"neutral","sentiment_score":0.055772583931684494},{"text":"Okay.","start":1497.4501,"end":1497.9501,"sentiment":"neutral","sentiment_score":0.0923311710357666},{"text":"Yep.","start":1507.435,"end":1507.935,"sentiment":"neutral","sentiment_score":0.15053480863571167},{"text":"Yeah.","start":1514.11,"end":1514.4299,"sentiment":"neutral","sentiment_score":0.13843372464179993}],"sentiment":"neutral","sentiment_score":0.09737343564629555,"num_words":5,"start":1487.3701,"end":1514.4299},{"sentences":[{"text":"Okay.","start":1514.4299,"end":1514.9299,"sentiment":"neutral","sentiment_score":0.1715572476387024},{"text":"Sounds I mean, look.","start":1515.15,"end":1518.35,"sentiment":"neutral","sentiment_score":0.13085882924497128},{"text":"I'll talk to my husband.","start":1518.35,"end":1519.57,"sentiment":"neutral","sentiment_score":0.13772448301315307},{"text":"We're always really renovate when we first talk about it.","start":1519.63,"end":1521.95,"sentiment":"neutral","sentiment_score":0.14849418997764588},{"text":"It's just sending me to it.","start":1521.95,"end":1523.15,"sentiment":"neutral","sentiment_score":0.10312113786737125}],"sentiment":"neutral","sentiment_score":0.1341262964101938,"num_words":26,"start":1514.4299,"end":1523.15},{"sentences":[{"text":"So I'll definitely chat to him and try and work something out just to try and control the data or the weekly a bit more.","start":1523.15,"end":1533.895,"sentiment":"neutral","sentiment_score":0.20120443195104598},{"text":"Yep.","start":1559.605,"end":1560.105,"sentiment":"neutral","sentiment_score":0.09050124883651732},{"text":"Okay.","start":1560.3251,"end":1560.8251,"sentiment":"neutral","sentiment_score":0.1199064999818802},{"text":"No worries.","start":1562.3251,"end":1563.0651,"sentiment":"neutral","sentiment_score":0.1915939897298813},{"text":"Yeah.","start":1571.78,"end":1572.28,"sentiment":"neutral","sentiment_score":-0.030561575666069984}],"sentiment":"neutral","sentiment_score":0.18643816504627467,"num_words":30,"start":1523.15,"end":1572.28},{"sentences":[{"text":"Yeah.","start":1582.205,"end":1582.525,"sentiment":"neutral","sentiment_score":-0.10182750970125198},{"text":"It's good to know because it does feel really frustrating where I'm like, why aren't we doing better?","start":1582.525,"end":1587.565,"sentiment":"neutral","sentiment_score":-0.15363916092448765},{"text":"But it's yeah.","start":1587.565,"end":1589.085,"sentiment":"neutral","sentiment_score":-0.1652324696381887},{"text":"At the moment, we don't get going on.","start":1589.085,"end":1590.6849,"sentiment":"negative","sentiment_score":-0.40553347393870354},{"text":"It's quite difficult.","start":1590.6849,"end":1591.6649,"sentiment":"negative","sentiment_score":-0.4367980659008026}],"sentiment":"neutral","sentiment_score":-0.23993005468086762,"num_words":33,"start":1582.205,"end":1591.6649},{"sentences":[{"text":"Yeah.","start":1601.82,"end":1602.32,"sentiment":"neutral","sentiment_score":0.12261618673801422},{"text":"Yeah.","start":1610.625,"end":1611.125,"sentiment":"neutral","sentiment_score":0.2668225169181824},{"text":"Yeah.","start":1611.345,"end":1611.845,"sentiment":"neutral","sentiment_score":0.29740920662879944},{"text":"Yeah.","start":1614.145,"end":1614.645,"sentiment":"positive","sentiment_score":0.4353553354740143},{"text":"Cool.","start":1614.865,"end":1615.365,"sentiment":"positive","sentiment_score":0.6767961978912354}],"sentiment":"positive","sentiment_score":0.35979988873004914,"num_words":5,"start":1601.82,"end":1615.365},{"sentences":[{"text":"Yes.","start":1624.34,"end":1624.6599,"sentiment":"positive","sentiment_score":0.5338709354400635},{"text":"That sounds perfect.","start":1624.6599,"end":1625.46,"sentiment":"positive","sentiment_score":0.8047436475753784},{"text":"Thank you so much for your time.","start":1625.46,"end":1627.0,"sentiment":"positive","sentiment_score":0.8259066939353943},{"text":"Yeah.","start":1637.745,"end":1637.985,"sentiment":"neutral","sentiment_score":0.30514681339263916},{"text":"That would be good.","start":1637.985,"end":1638.785,"sentiment":"positive","sentiment_score":0.5115376561880112}],"sentiment":"positive","sentiment_score":0.6925466358661652,"num_words":16,"start":1624.34,"end":1638.785},{"sentences":[{"text":"Yeah.","start":1638.785,"end":1639.025,"sentiment":"neutral","sentiment_score":0.32274341583251953},{"text":"If I could get just, like, a bit of summary of what I should focus on the next few months, that would be perfect.","start":1639.025,"end":1645.605,"sentiment":"neutral","sentiment_score":0.28263224847614765},{"text":"So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright.","start":1652.62,"end":1658.54,"sentiment":"neutral","sentiment_score":0.21028482710773294},{"text":"Thank you for the moment.","start":1658.54,"end":1659.68,"sentiment":"positive","sentiment_score":0.42948961853981016},{"text":"Yes.","start":1664.145,"end":1664.645,"sentiment":"neutral","sentiment_score":0.09858901053667068}],"sentiment":"neutral","sentiment_score":0.2637400128087907,"num_words":53,"start":1638.785,"end":1664.645},{"sentences":[{"text":"Okay.","start":1664.7051,"end":1665.185,"sentiment":"neutral","sentiment_score":0.18357136845588684},{"text":"Thanks again.","start":1665.185,"end":1665.925,"sentiment":"positive","sentiment_score":0.48797619342803955},{"text":"Alright.","start":1670.9451,"end":1671.425,"sentiment":"neutral","sentiment_score":0.26692643761634827},{"text":"Thank you.","start":1671.425,"end":1671.8251,"sentiment":"positive","sentiment_score":0.4074949026107788},{"text":"You too.","start":1671.8251,"end":1672.5651,"sentiment":"neutral","sentiment_score":0.2373388633131981}],"sentiment":"positive","sentiment_score":0.3395147155970335,"num_words":8,"start":1664.7051,"end":1672.5651},{"sentences":[{"text":"Bye.","start":1675.1051,"end":1675.6051,"sentiment":"neutral","sentiment_score":0.10301682353019714}],"sentiment":"neutral","sentiment_score":0.10301682353019714,"num_words":1,"start":1675.1051,"end":1675.6051}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Leah speaking.\n\nChannel 0: Hi, Leo. It's Tommy here, senior adviser from. How are you going today?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing fantastic. It's a beautiful freezing Friday, but happy Friday to you.\n\nChannel 1: Yeah. Thanks.\n\nChannel 0: No worries. Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you. Do you still have\n\nChannel 1: Yeah.\n\nChannel 0: a bit of time for me?\n\nChannel 1: Yes. I do.\n\nChannel 0: Perfect. Now I do have all of your information up in front of me, the budget planner that you completed, your fact file with all of your details. Do you mind if I just do the usual security check with you, please?\n\nChannel 1: Sure.\n\nChannel 0: Perfect. So I'm registered with Atticus adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: 77 South Mountain 8938 O'Leary Way, New England, Detroit, 350.\n\nChannel 0: Sensational. Thank you for that, Leah. Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting advice. Is that right?\n\nChannel 1: Yeah. Probably. Yep.\n\nChannel 0: Cool. Now I'm having a quick look at the history on your file there. It looks like you did talk to Brooke, one of the mortgage brokers for a bit of a review. Did anything come of that to help with the\n\nChannel 1: No. I didn't really end up submitting everything because she wanted,\n\nChannel 0: mortgage?\n\nChannel 1: like, very much stuff, and I didn't really have the time to do it because I wasn't looking to refinance. So I don't know if she just had asked me so much information that it was just it was too hard for me to get it. So I probably do wanna refinance. I'm just not sure if there's much point at the moment with interest rates that it keep going up. So I didn't know whether it was worth waiting.\n\nBut, yeah, nothing really came to that.\n\nChannel 0: Yeah. And to be honest, like, if you're still on the AMP loan, that's a little bit under 6% or about to jump up to 6%, like, that's still a pretty decent rate in comparison. There's not too many floating around that are much better than that.\n\nChannel 1: I think we're on it's gone up, and it just went up on Tuesday. So,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, from the last week, I don't mean the RBA meeting. I mean, like, from the last increase, it just went up. And my\n\nChannel 0: Yeah.\n\nChannel 1: right now, it's It's not down, I think. I think it's, like, 6.1\n\nChannel 0: Yep. 6.19, and it might jump up a little bit more.\n\nChannel 1: nine. Well, it will after June, Wednesday, whenever they're meant. Yeah.\n\nChannel 0: Yep. Awesome.\n\nChannel 1: So, yeah, on\n\nChannel 0: Okay.\n\nChannel 1: my she my mortgage payment is now $9.75 per week. I think it might have been at $9.30 on the phone.\n\nChannel 0: $9.75 per week. One of the things that I can definitely see is, like, just based on the budget planner that you filled out, you've got a really good ratio of how you're splitting your money. Like,\n\nChannel 1: Yeah.\n\nChannel 0: one of the things that I tend to do with people is just kind of proportion things between, like, what's an expense, what's kind of, like, your fund money, what's your savings, that kind of thing, just to get a bit of a percentage going. Have you ever done that before?\n\nChannel 1: I have. And I can be completely honest and say that on paper, like, we earn exactly good money and we should be in a better position, but we overspend every single week. So I don't even know what the problem is.\n\nChannel 0: Yeah.\n\nChannel 1: We need to overspend every week on just, I don't know, food and drinks and, I don't know, doing rolling out for dinner and, you know, that sort of stuff.\n\nChannel 0: And that's the thing too is because on paper, like you said, the ratios I'm looking at, you you're sitting at about 60% for expenses, which is pretty well perfect. Splurge in fund money under 20% is really good. And then it says that you've got a pretty large surplus, which if I just plug that surplus on on paper into a mortgage calculator, you're knocking twenty years off the mortgage. It could be done in in ten. You\n\nChannel 1: Yeah.\n\nChannel 0: know what I mean?\n\nChannel 1: Oh, okay. Yeah. Yeah.\n\nChannel 0: So one of the things I wanna just quickly ask you, which may be helpful, just in terms of your structure, do you use, like, a a redraw account, offset account? How have you got\n\nChannel 1: Yeah. Offset. So\n\nChannel 0: structured?\n\nChannel 1: in like, my savings is I've got, like, four or five offset accounts. So and then the home loan, we can redraw on it. So the savings, like, savings money I've got sitting in a home loan account and then the kids savings and, like, bills money and stuff, I've got in offset accounts.\n\nChannel 0: Sensational. And the caravan, there's a bit of a caravan loan there. It looks pretty low\n\nChannel 1: Yeah.\n\nChannel 0: on this issue in terms of repayments. It's not too expensive.\n\nChannel 1: It's, like, 980 a month. So 200 or so. I'll put it on my what did I put on the spreadsheet?\n\nChannel 0: Yep. $9.80 a month and 175,000 oh, sorry. One second. I'm just gonna do a quick calculation. Times 12.\n\nSo it's about $12 a year coming out of that. You're on about a 175,000 take home pay. So it is a decent chunk at about six or 7% of your, like, combined take home pay. So it's definitely eating into things a little bit. I'm\n\nChannel 1: Yes.\n\nChannel 0: just making\n\nChannel 1: Yes.\n\nChannel 0: a quick note of that. And one of the things that I definitely wanna say off the bat is that I'm coming across the a similar situation for people living in Victoria and New South Wales with really good incomes, you know, that $200,000 combined mark, And everyone's kind of doing everything right except\n\nChannel 1: Yes.\n\nChannel 0: for those things a week to week. But mortgage rates up, groceries up, electricity is up, cost of living, bills, everything's kind of all jumped up really, really significantly. And when\n\nChannel 1: Yes.\n\nChannel 0: the government talks about a 3% inflation rate, that doesn't really include everything. So even,\n\nChannel 1: Yes.\n\nChannel 0: like, what you've seen, grocery's been $3.03 50 a week. That's still quite a jump from where it was five, ten years ago.\n\nChannel 1: Yes.\n\nChannel 0: So there's some things that are kind of out of our control and it's kind of a time based thing where\n\nChannel 1: Yeah.\n\nChannel 0: this type of cost of living issue, it's never permanent, but it can last\n\nChannel 1: Yeah.\n\nChannel 0: for a number of years. So if this\n\nChannel 1: Yeah.\n\nChannel 0: was your income five years ago, you guys would have an extra and possibly 20,000 per year just based on every single item added.\n\nChannel 1: Yeah.\n\nChannel 0: So, yes, I hear what you're saying before about overspending on a week to week because on paper it looks good, but you're also being hit from that five different directions between all the loans and everything else that's jumped up.\n\nChannel 1: Yeah. Also, all my insurances have gone up as well, like, significantly.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: I guess that's why we've decided, like, we could afford the caravan, and that was just part of the lifestyle that we wanted. So I'm just alone.\n\nChannel 0: Yeah.\n\nChannel 1: I think it's six years, and we're about one year in. So, you know, I know that we should be doing better, but it's also like we need to also live. So\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: And\n\nChannel 1: know.\n\nChannel 0: that's what I'm telling a lot of people too is, like, you can't try and script and save every single little thing to the point where you can't even enjoy living and you're just working to live rather than you know what I mean?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Having a caravan is not a make or break for your life. It's a it's a period of time as well. There's little tricks that you can do. Like, for example, if you've got all those offset accounts, if you're parking your caravan repayments in there to offset the mortgage for the month before it goes out to pay for the caravan repayment, little things\n\nChannel 1: Yep.\n\nChannel 0: like\n\nChannel 1: I'm\n\nChannel 0: that can stack up a little bit if you're if you\n\nChannel 1: doing\n\nChannel 0: feel\n\nChannel 1: that.\n\nChannel 0: like you're doing that.\n\nChannel 1: Yeah. I pretty much try and keep all my money in for as long as possible and then pay it out so that it can\n\nChannel 0: Yep.\n\nChannel 1: when they calculate it, the mortgage, like, the interest per month, it's hopefully as well as possible.\n\nChannel 0: Yeah. So I think the two things is if you've got your five offset accounts and you're already splitting everything and you're parking your cash there until the big bills go out, that's amazing.\n\nChannel 1: Yep.\n\nChannel 0: Like I said, on paper, if you pumped all of that into offset and actually built it up over time, your mortgage would flood out very, very quickly. And\n\nChannel 1: Yep.\n\nChannel 0: so that really just points to that that week to week issue that you're talking about.\n\nChannel 1: Yeah. Okay. Which I knew I knew. I just wanted to see if there is something else we should be doing. Like, I feel like that we're doing everything the right way except for them when it's into, like, the weekend stuff.\n\nIt's really just, I don't know. I guess, we have just to get my credit limit a bit.\n\nChannel 0: Look. It happens to kind of I keep saying it happens to everyone. My my wife, for example, she gets staff discounts with Myer, And it's very easy while she's at work to just go, oh, look, we need this, we need this, we need this. And all of a sudden, there's 75 transactions with Myer for the year.\n\nChannel 1: Yes. Yep.\n\nChannel 0: And if you look at it over a year, you go, oh, that's x amount of thousands of dollars, but we only really thought we'd spend half of that on that type\n\nChannel 1: Yeah.\n\nChannel 0: of thing.\n\nChannel 1: Yep.\n\nChannel 0: So the only two things\n\nChannel 1: Right.\n\nChannel 0: that you can really do is\n\nChannel 1: Yes.\n\nChannel 0: like, it's painful, but getting very, very granular with your budget for a week, a month, and a\n\nChannel 1: Yes.\n\nChannel 0: quarter, where you pretty much track everything that went out for that that week and try\n\nChannel 1: Yes.\n\nChannel 0: to get, like, a net zero position where you know where every dollar is going and you make sure\n\nChannel 1: Yep.\n\nChannel 0: it actually goes\n\nChannel 1: Yes.\n\nChannel 0: there kind of thing. And then what happens is something else pops up and it pulls it out there and that throws your budget out of whack.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Just from a behavioral standpoint, one thing that's had a lot of success with our clients as well is planning shopping trips.\n\nChannel 1: Yep.\n\nChannel 0: And it's one of the things like, yeah, you can be out and you can spend a few $100 out of the nighttime. That's one thing. And the other thing is if you're, like, constantly doing those little purchases to actually build up some money for a period of time when you you just refuse to touch it for a fortnight or a month and then go on a big shopping trip with everybody and get all those things just based on what's been saved for it. Do you know what I mean?\n\nChannel 1: Yeah. I think so. Instead of just randomly buying it, put the money aside.\n\nChannel 0: Yeah.\n\nChannel 1: And then\n\nChannel 0: And actually just that delayed gratification of saying, like, I've got something\n\nChannel 1: yeah.\n\nChannel 0: to look forward to, and I'm not gonna\n\nChannel 1: Yep.\n\nChannel 0: feel guilty at all for what I spend because I've put it aside specifically for that. There's zero guilt. It's a fun day, but it means that you're in control of it rather than everything going left, right, and center between you and your partner. And then when you look back on it two months later, you go, oh my god. It went here with that.\n\nYeah.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So your structure's perfect. Your income's great. You're not overspending on pretty much anything else. Like, when I'm looking at what you've put in, the groceries make sense. That's pretty common.\n\nYou're not going overboard there. Some people, you know, they shop at Aldi and Costco, and they try and save that $40 a week on groceries, but that's not gonna make or break you guys.\n\nChannel 1: Yeah.\n\nChannel 0: Your electricity\n\nChannel 1: Okay.\n\nChannel 0: is reasonable. Your insurances the school fees are reasonable.\n\nChannel 1: Yep.\n\nChannel 0: Spending a bit on toiletries in the gym and takeaway, Yeah. It can all add up, and that's kind of where everything goes. And\n\nChannel 1: Yes.\n\nChannel 0: if you're hard on yourself, you can trim it off and and decide you're not gonna do it for a year. And and it's kind of like a like a dieting exercise where people go, I'm gonna just eat chicken and broccoli and rice for twelve months to lose weight.\n\nChannel 1: Yes.\n\nChannel 0: That's not really sustainable, though. You could do that for a period of time, but like you said, you've gotta live as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: How\n\nChannel 0: the\n\nChannel 1: sorry.\n\nChannel 0: no. Go for it.\n\nChannel 1: I was just I was just gonna ask why he said like, in the calculator, like, we could zero to reduce the home pay off of home maintenance. Like, what would that look like? Like, how would you do that? I don't think that's, like, achievable for us right now, but I'm curious as to what that would look like.\n\nChannel 0: Yeah. So when I look at what you've got listed for the savings, it says about $800 a month, which is about $200 a week.\n\nChannel 1: Yep.\n\nChannel 0: But when you add everything else up together, there's also about a\n\nChannel 1: Yes.\n\nChannel 0: $36,000 surplus sitting there that's not allocated to anything, which pretty much brings you to like, okay. Mortgage has jumped up a little bit, so let's quote 800 a week of\n\nChannel 1: Yes.\n\nChannel 0: cash flow on paper that's available to go either as a repayment or just piling into the offset to have the same effect.\n\nChannel 1: Yeah.\n\nChannel 0: Now it's\n\nChannel 1: Okay.\n\nChannel 0: very, very hard for someone to consistently court $800 a week into savings for ten years and not have anything pop up that they need to spend it on.\n\nChannel 1: Yes.\n\nChannel 0: But it's something that is possible, and what that really means for you guys is that anywhere between your thirty years and your ten years, somewhere in between there is where you can get it to realistically.\n\nChannel 1: Yeah. We just gotta stop putting more money on home loans, really.\n\nChannel 0: Yeah. Not even necessarily the home loan, but just putting into that one account that it's never used for anything. It's even\n\nChannel 1: Yes.\n\nChannel 0: if it's 400 a week where it's like that is just going to make sure the mortgage is trimmed off from thirty years to twenty years, and we're just not gonna touch that.\n\nChannel 1: Yep.\n\nChannel 0: Do you have that situation where you've got a lot of little expenses throughout the weeks, but you've also got those bigger ones throughout the year, like the like the little holiday or taking the family out that's a bit bigger as well, or how do you guys kind of operate?\n\nChannel 1: Well, in terms of the bigger expenses, like, the bills, I put that aside each week. So that,\n\nChannel 0: Yep.\n\nChannel 1: like, cancel rates and rego and all that sort of stuff. Like, everything is full side each week so I can just pay it. If we have a holiday, we'll, like, sort of save for that. We'll, like, plan it a few months sort of out and then save up for that. So then, like, we can save up a bit and then we pretty much just save it all there as long ago.\n\nIt's not like we go overseas, and we'll never people never been overseas with us, but we\n\nChannel 0: Yeah.\n\nChannel 1: could do, like, a caravan trip last year, and we're planning on doing another one at the end of the year. So I don't know when like, we don't really have too many. I wouldn't say these expenses because, like, if we have we're going away with plan for it, and then every other bill that we have, I plan for it each week anyway and put it aside. So\n\nChannel 0: Yeah.\n\nChannel 1: I honestly, it's\n\nChannel 0: So it's\n\nChannel 1: just\n\nChannel 0: definitely\n\nChannel 1: I know\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: little\n\nChannel 1: it's\n\nChannel 0: things.\n\nChannel 1: like it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up.\n\nChannel 0: Yes.\n\nChannel 1: And that I know\n\nChannel 0: They'll\n\nChannel 1: is costing\n\nChannel 0: top up.\n\nChannel 1: a lot without realizing. And then I'm trying to make sure I get everything in the one shop even if it's a little bit more because I feel like it's still saving my book. And\n\nChannel 0: Yeah.\n\nChannel 1: then it's just our day to day, like I don't know. Just every week, they're thinking something else, like, you know, haircuts and then dog grooming and then at Mother's Day, it's\n\nChannel 0: Yeah.\n\nChannel 1: still going out and like, it's just like every week, we never have any money over, and then we're just, like, digging into the savings. So it's like we're just not it's sort of stagnant.\n\nChannel 0: Yeah. Yep. I hear you completely. One of the things that would happen to me a lot is whenever we went shopping for something, I'd always be getting the kids, like, a toy or something or a bit of sushi or takeaway. And when I looked at it, that was $50.60 dollars done, and that was adding up to that.\n\nThere was always an excuse to do that every couple of days.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: So one of the things that you can try as a bit of a flip is rather than saying, oh, I wanna put aside $800 a week into savings to pay off the mortgage, is focus on putting aside those timed spending and do that first.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: So when it comes to, again, going out, the holidays, the little purchases, all that kind of thing, is see if you can space it out where you know when you're gonna do it rather than it being just ad hoc between the two of you guys and random, essentially. And then once you've got\n\nChannel 1: Yes.\n\nChannel 0: that kind of behavior down the path, then there'll be less reasons to ever dip into the savings, and you can start that\n\nChannel 1: Yeah.\n\nChannel 0: small. That can be 200 a week, and then aim for 400 a week after six months, and then see if you can maintain that for, you know, that second half of the year.\n\nChannel 1: Yep. And okay.\n\nChannel 0: So I would probably talk to James and say, hey. Let's again, you're gonna have to do that little sit down because you've already split everything and spread shaded it, planned for it as far as expenses goes. I don't want you guys to just, like, plan the fun things together so that you're getting the the dopamine hits on a regular basis, but it's a planned and controlled dopamine hit.\n\nChannel 1: Yeah. Yeah. I like that.\n\nChannel 0: So even if you do that for let's say you try and put the savings aside at 200 a week and then the other stuff, plan those little little and medium expenditures for about a month or so. And just decide between you guys the frequency that you're gonna be okay to do that for, whether it's waiting a week, a fortnight, or a month, and see if I can keep the the fund expenditure as a bit of a controlled kind of thing.\n\nChannel 1: Yes. Makes sense.\n\nChannel 0: Yeah. It's a bit of a reverse psychology because, again, it's always about let's trim everything down and bulk our savings up. I'd rather flip it around and get the behaviors right for the fund side that tends to cause the chaos. And then you start building up the savings the better and better you get at it.\n\nChannel 1: Yep.\n\nChannel 0: So even\n\nChannel 1: Okay.\n\nChannel 0: if you say we're gonna save nothing for the next two months, we're just gonna split everything up. We've got our expenses aside. That's great. And let's actually just put all of our cash flow into building up for the fun things. And then once you've\n\nChannel 1: Yep.\n\nChannel 0: done that for a month or two, then go, okay. This is working. It's not working. Make your adjustment, and then start putting aside that savings for, say, July to Christmas and see how you go.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Even if you go I'm just trying to work out a few, like, little goals for you guys.\n\nChannel 1: Mhmm.\n\nChannel 0: Oh, sorry. If I go 200 a week for the year, make that into monthly, do about five of those. Your goal by the end of the year will probably end up being an additional, say, 5 to 10,000 in savings\n\nChannel 1: Mhmm.\n\nChannel 0: between July and Christmas.\n\nChannel 1: Yeah. That'll be good.\n\nChannel 0: And then double that for the next year so that instead of 10,000 for six months, it becomes $2,030,000 for the year. That would be a fantastic year for you guys. Like, you don't have to try and put $50 away to catch your mortgage up multiple years. But imagine if in eighteen months' time, you've got an additional $2,530,000 dollars sitting there.\n\nChannel 1: Yeah. It would be good. That's what I'm trying to aim for, but this doesn't seem to happen.\n\nChannel 0: Yep. So one thing that I'm I'm definitely gonna be, like, reiterating a lot is\n\nChannel 1: Mhmm.\n\nChannel 0: go guilt free for the next two months, but make it a planned fund and then\n\nChannel 1: Mhmm.\n\nChannel 0: try and hit that first small goal where it's you're still having all the fun, and then there's that $5 building up in the background for Christmas,\n\nChannel 1: Yeah.\n\nChannel 0: and then start increasing it next year.\n\nChannel 1: Okay.\n\nChannel 0: And low and behold, hopefully, interest rates drop next year, and then you get a little bit extra.\n\nChannel 1: Yeah. Hopefully. I'm sorry.\n\nChannel 0: Yeah. And look, we're we're still what? You guys are still in your thirties?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So with your good incomes, you got the family, living a fun, comfortable life. If you're building up by the time you're $4,050,000 dollars in an offset account, that's a pretty good goal. And then from 40 to 50, once all the kids are kind of in school or off school and things like that, that's when you start making that big leap, and you've got hundreds of thousands building up in equity or investments. You\n\nChannel 1: Mhmm.\n\nChannel 0: pretty much gonna take it as like a life stages thing every five to ten years.\n\nChannel 1: Yes.\n\nChannel 0: All you've gotta do, Leah, is pretty much try to make those the next five years. That habit building where you do progress closer to what you wanna do, but you're not trying to go all or nothing. You're not trying to go broccoli and chicken.\n\nChannel 1: Yeah. I think maybe that's what the problem is that I'm trying to go too hard in it, and it's just not realistic at the moment.\n\nChannel 0: Can I be honest with you? I did the exact same thing. I've been in the industry for twelve years. I did the same thing six years ago where I told my wife, we're gonna have the mortgage paid off. I told her in four years.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And over that four years, we made not a single dent into extra net repayments for the mortgage, and\n\nChannel 1: Yeah.\n\nChannel 0: I doubled my income. We had we got the best deal ever in terms of a 2% interest rate, and\n\nChannel 1: Yep.\n\nChannel 0: I'm actually saving more now at a 6% interest rate than when I was in a 2%.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: And\n\nChannel 1: funny.\n\nChannel 0: that was our thing. It was just like we got the kids there. There was always something little to do it on. And then I look back. I I did a spreadsheet from our bank and then, how did we spend an extra $70,000?\n\nChannel 1: Yeah. If you're not watching it, it just really goes. I'm just crap. I reckon.\n\nChannel 0: It's exactly right. If you're not watching it like a hawk, it goes. But the problem is is if you try\n\nChannel 1: Mm-mm.\n\nChannel 0: and, like, watch it every single day and account for every dollar, it becomes suffocating as well.\n\nChannel 1: Yeah. I don't wanna do that. I mean, I've got friends that are in a really good position, but then, you know, like, a lot of the times, the women complain to me how they're no longer doing anything or send anyone or anything. And I'm like, oh, that's not really that's not fun to do.\n\nChannel 0: Exactly right. Exactly right.\n\nChannel 1: But then we're probably just a bit too little where we're just like, oh, I will just spend it. So that's why I just wanna try and clean up the at it a little bit so that we just can try and put up. I'm gonna be there too soon.\n\nChannel 0: Yeah. So you've got that budget planner there as a bit of a guide in reference of what is possible in an ideal scenario. Then it's pretty\n\nChannel 1: Mhmm.\n\nChannel 0: much like, yep. Let's focus on getting the fun habits right and making sure that the guilt is gone and that we're doing the things that we wanna do. And then we build that habit towards the savings goals after that.\n\nChannel 1: Yes.\n\nChannel 0: And every three months or so, we can just have a little bit of an update. If we actually look back\n\nChannel 1: Yep.\n\nChannel 0: at all the things, did we expend what we said we were going to on these areas? Which ones did we overspend off?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And then you can space that out by an extra week. You can maybe trim down a little bit or put a bit more in there so it's actually in there rather than dipping into savings. So\n\nChannel 1: Yep.\n\nChannel 0: I would kind of split into about four or five different steps.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And\n\nChannel 1: Sounds\n\nChannel 0: do you think you guys can do that?\n\nChannel 1: I mean, look. I'll talk to my husband. We're always really renovate when we first talk about it. It's just sending me to it. So\n\nChannel 0: Yeah.\n\nChannel 1: I'll definitely chat to him and try and work something out just to try and control the data or the weekly a bit more.\n\nChannel 0: Yeah. Maybe just tell James and say, hey. Look. I I talked to the senior adviser. He doesn't want us to go broccoli and chicken breast and go high for saving.\n\nHe wants us to focus on structuring the fund more first, and then we'll have another catch up in a few months' time, see how you've gone. And then we can hopefully from then set that first savings goal at our next catch up.\n\nChannel 1: Yep. Okay. No worries.\n\nChannel 0: Cool. And look, again, I'll repeat. It's not a permanent thing, the situation that we're in economically, and it may feel\n\nChannel 1: Yeah.\n\nChannel 0: like you're kind of spinning your wheels. And look, we're earning good money. We should be in a better position. Everybody across every state is doing the same problems.\n\nChannel 1: Yeah. It's good to know because it does feel really frustrating where I'm like, why aren't we doing better? But it's yeah. At the moment, we don't get going on. It's quite difficult.\n\nChannel 0: Yeah. And, again, my life kind of split into three stages where we script and save when we're on low incomes to get a mortgage, then\n\nChannel 1: Yeah.\n\nChannel 0: we doubled our incomes and spent all of it. And then we got the habits right, and all of a sudden things are starting to flow properly.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: you can do it.\n\nChannel 1: Cool.\n\nChannel 0: Just gonna be take it easy on yourself a little bit. And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction.\n\nChannel 1: Yes. That sounds perfect. Thank you so much for your time.\n\nChannel 0: No worries, Lance. Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up.\n\nChannel 1: Yeah. That would be good. Yeah. If I could get just, like, a bit of summary of what I should focus on the next few months, that would be perfect.\n\nChannel 0: Fantastic. I will get that off to you. Do you have any questions for me before I let you go?\n\nChannel 1: So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright. Thank you for the moment.\n\nChannel 0: Yeah. Yep. Yeah. Chat to James and reach out if you need to.\n\nChannel 1: Yes. Okay. Thanks again.\n\nChannel 0: Awesome. You have a fantastic weekend, and thank you so much for your time.\n\nChannel 1: Alright. Thank you. You too.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.02688639797270298},{"text":"Leah speaking.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.026181595399975777}],"sentiment":"neutral","sentiment_score":0.026416529590884846,"channel":1,"num_words":3,"start":0.24,"end":1.22},{"sentences":[{"text":"Hi, Leo.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.12512190639972687},{"text":"It's Tommy here, senior adviser from.","start":2.6399999,"end":4.56,"sentiment":"neutral","sentiment_score":0.11585388580958049},{"text":"How are you going today?","start":4.56,"end":5.7,"sentiment":"neutral","sentiment_score":0.1838838428258896}],"sentiment":"neutral","sentiment_score":0.1434451032143373,"channel":0,"num_words":13,"start":2.0,"end":5.7},{"sentences":[{"text":"Good.","start":6.0,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.32841819524765015},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.24681279063224792}],"sentiment":"neutral","sentiment_score":0.2672141417860985,"channel":1,"num_words":4,"start":6.0,"end":7.22},{"sentences":[{"text":"I'm doing fantastic.","start":7.6,"end":8.66,"sentiment":"positive","sentiment_score":0.7417394518852234},{"text":"It's a beautiful freezing Friday, but happy Friday to you.","start":8.72,"end":12.015,"sentiment":"positive","sentiment_score":0.6887451648712158}],"sentiment":"positive","sentiment_score":0.7009746157206022,"channel":0,"num_words":13,"start":7.6,"end":12.015},{"sentences":[{"text":"Yeah.","start":12.32,"end":12.639999,"sentiment":"positive","sentiment_score":0.3664954900741577},{"text":"Thanks.","start":12.639999,"end":13.139999,"sentiment":"positive","sentiment_score":0.5276076793670654}],"sentiment":"positive","sentiment_score":0.4470515847206116,"channel":1,"num_words":2,"start":12.32,"end":13.139999},{"sentences":[{"text":"No worries.","start":14.575001,"end":15.235001,"sentiment":"neutral","sentiment_score":0.17085271328687668},{"text":"Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you.","start":15.295,"end":20.255001,"sentiment":"neutral","sentiment_score":0.0892249188489384},{"text":"Do you still have","start":20.255001,"end":20.895,"sentiment":"neutral","sentiment_score":0.008906784001737833}],"sentiment":"neutral","sentiment_score":0.08264087924423318,"channel":0,"num_words":24,"start":14.575001,"end":20.895},{"sentences":[{"text":"Yeah.","start":20.795,"end":21.295,"sentiment":"neutral","sentiment_score":0.015672829002141953}],"sentiment":"neutral","sentiment_score":0.015672829002141953,"channel":1,"num_words":1,"start":20.795,"end":21.295},{"sentences":[{"text":"a bit of time for me?","start":20.895,"end":22.195,"sentiment":"neutral","sentiment_score":0.009631347066412369}],"sentiment":"neutral","sentiment_score":0.009631347066412369,"channel":0,"num_words":6,"start":20.895,"end":22.195},{"sentences":[{"text":"Yes.","start":22.235,"end":22.555,"sentiment":"neutral","sentiment_score":0.11700891703367232},{"text":"I do.","start":22.555,"end":23.215,"sentiment":"neutral","sentiment_score":0.2125459685921669}],"sentiment":"neutral","sentiment_score":0.1807002847393354,"channel":1,"num_words":3,"start":22.235,"end":23.215},{"sentences":[{"text":"Perfect.","start":24.015,"end":24.415,"sentiment":"positive","sentiment_score":0.4894838631153106},{"text":"Now I do have all of your information up in front of me, the budget planner that you completed, your fact file with all of your details.","start":24.415,"end":32.47,"sentiment":"neutral","sentiment_score":0.24865499194021579},{"text":"Do you mind if I just do the usual security check with you, please?","start":32.77,"end":35.75,"sentiment":"neutral","sentiment_score":0.08016166303839002}],"sentiment":"neutral","sentiment_score":0.1982245697152047,"channel":0,"num_words":42,"start":24.015,"end":35.75},{"sentences":[{"text":"Sure.","start":36.3,"end":36.8,"sentiment":"neutral","sentiment_score":0.07823970168828964}],"sentiment":"neutral","sentiment_score":0.07823970168828964,"channel":1,"num_words":1,"start":36.3,"end":36.8},{"sentences":[{"text":"Perfect.","start":37.809998,"end":38.309998,"sentiment":"neutral","sentiment_score":0.14616981148719788},{"text":"So I'm registered with Atticus adviser 1273105.","start":38.695,"end":42.875,"sentiment":"neutral","sentiment_score":0.07184810617140361},{"text":"Could you please confirm your date of birth and address?","start":42.935,"end":45.515,"sentiment":"neutral","sentiment_score":0.04939504601061344}],"sentiment":"neutral","sentiment_score":0.06350316748850876,"channel":0,"num_words":18,"start":37.809998,"end":45.515},{"sentences":[{"text":"77 South Mountain 8938 O'Leary Way, New England, Detroit, 350.","start":46.565,"end":51.864998,"sentiment":"neutral","sentiment_score":0.020759018883109093}],"sentiment":"neutral","sentiment_score":0.020759018883109093,"channel":1,"num_words":10,"start":46.565,"end":51.864998},{"sentences":[{"text":"Sensational.","start":53.19,"end":53.69,"sentiment":"neutral","sentiment_score":0.09660976380109788},{"text":"Thank you for that, Leah.","start":53.989998,"end":55.21,"sentiment":"positive","sentiment_score":0.5088104903697968},{"text":"Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting 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you're still on the AMP loan, that's a little bit under 6% or about to jump up to 6%, like, that's still a pretty decent rate in comparison.","start":112.93,"end":125.104996,"sentiment":"positive","sentiment_score":0.3639453903717153},{"text":"There's not too many floating around that are much better than that.","start":125.104996,"end":128.16501,"sentiment":"positive","sentiment_score":0.3972315788269043}],"sentiment":"positive","sentiment_score":0.3626923199663771,"channel":0,"num_words":47,"start":112.53,"end":128.16501},{"sentences":[{"text":"I think we're on it's gone up, and it just went up on 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it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up.","start":940.88,"end":949.995,"sentiment":"neutral","sentiment_score":0.2942473522641442}],"sentiment":"neutral","sentiment_score":0.2942473522641442,"channel":1,"num_words":33,"start":940.88,"end":949.995},{"sentences":[{"text":"Yes.","start":951.055,"end":951.555,"sentiment":"neutral","sentiment_score":0.15925109386444092}],"sentiment":"neutral","sentiment_score":0.15925109386444092,"channel":0,"num_words":1,"start":951.055,"end":951.555},{"sentences":[{"text":"And that I 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40 to 50, once all the kids are kind of in school or off school and things like that, that's when you start making that big leap, and you've got hundreds of thousands building up in equity or investments.","start":1309.26,"end":1322.5599,"sentiment":"positive","sentiment_score":0.3901767957778204},{"text":"You","start":1323.665,"end":1323.985,"sentiment":"neutral","sentiment_score":0.13258421421051023}],"sentiment":"positive","sentiment_score":0.49173281835271165,"channel":0,"num_words":77,"start":1295.605,"end":1323.985},{"sentences":[{"text":"Mhmm.","start":1323.83,"end":1324.33,"sentiment":"neutral","sentiment_score":0.1093415915966034}],"sentiment":"neutral","sentiment_score":0.1093415915966034,"channel":1,"num_words":1,"start":1323.83,"end":1324.33},{"sentences":[{"text":"pretty much gonna take it as like a life stages thing every five to ten 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pretty","start":1466.6051,"end":1467.3251,"sentiment":"neutral","sentiment_score":0.1427450900276502}],"sentiment":"neutral","sentiment_score":0.12868333676898921,"channel":0,"num_words":27,"start":1459.23,"end":1467.3251},{"sentences":[{"text":"Mhmm.","start":1467.1799,"end":1467.6799,"sentiment":"neutral","sentiment_score":0.06923387944698334}],"sentiment":"neutral","sentiment_score":0.06923387944698334,"channel":1,"num_words":1,"start":1467.1799,"end":1467.6799},{"sentences":[{"text":"much like, yep.","start":1467.3251,"end":1468.4651,"sentiment":"neutral","sentiment_score":0.1167052835226059},{"text":"Let's focus on getting the fun habits right and making sure that the guilt is gone and that we're doing the things that we wanna do.","start":1468.525,"end":1476.96,"sentiment":"neutral","sentiment_score":0.32555574809129423},{"text":"And then we build that habit towards the savings goals after 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you think you guys can do that?","start":1515.285,"end":1516.825,"sentiment":"neutral","sentiment_score":0.2881549224257469}],"sentiment":"neutral","sentiment_score":0.2881549224257469,"channel":0,"num_words":8,"start":1515.285,"end":1516.825},{"sentences":[{"text":"I mean, look.","start":1517.71,"end":1518.35,"sentiment":"neutral","sentiment_score":0.09702127426862717},{"text":"I'll talk to my husband.","start":1518.35,"end":1519.57,"sentiment":"neutral","sentiment_score":0.13772448301315307},{"text":"We're always really renovate when we first talk about it.","start":1519.63,"end":1521.95,"sentiment":"neutral","sentiment_score":0.14849418997764588},{"text":"It's just sending me to 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saving.","start":1539.5449,"end":1543.565,"sentiment":"neutral","sentiment_score":0.013764647642771403}],"sentiment":"neutral","sentiment_score":0.05664449858088647,"channel":0,"num_words":31,"start":1535.05,"end":1543.565},{"sentences":[{"text":"He wants us to focus on structuring the fund more first, and then we'll have another catch up in a few months' time, see how you've gone.","start":1544.025,"end":1552.9249,"sentiment":"neutral","sentiment_score":0.1445732847959907},{"text":"And then we can hopefully from then set that first savings goal at our next catch up.","start":1553.17,"end":1558.47,"sentiment":"neutral","sentiment_score":0.16429463467177222}],"sentiment":"neutral","sentiment_score":0.1521928972479972,"channel":0,"num_words":44,"start":1544.025,"end":1558.47},{"sentences":[{"text":"Yep.","start":1559.605,"end":1560.105,"sentiment":"neutral","sentiment_score":0.09050124883651732},{"text":"Okay.","start":1560.3251,"end":1560.8251,"sentiment":"neutral","sentiment_score":0.1199064999818802},{"text":"No worries.","start":1562.3251,"end":1563.0651,"sentiment":"neutral","sentiment_score":0.1915939897298813}],"sentiment":"neutral","sentiment_score":0.14839893206954002,"channel":1,"num_words":4,"start":1559.605,"end":1563.0651},{"sentences":[{"text":"Cool.","start":1564.6901,"end":1565.025,"sentiment":"neutral","sentiment_score":0.2981107234954834},{"text":"And look, again, I'll repeat.","start":1565.185,"end":1567.025,"sentiment":"neutral","sentiment_score":0.1022737056016922},{"text":"It's not a permanent thing, the situation that we're in economically, and it may feel","start":1567.025,"end":1571.905,"sentiment":"neutral","sentiment_score":-0.015767062618397176}],"sentiment":"neutral","sentiment_score":0.02728444343942794,"channel":0,"num_words":21,"start":1564.6901,"end":1571.905},{"sentences":[{"text":"Yeah.","start":1571.78,"end":1572.28,"sentiment":"neutral","sentiment_score":-0.030561575666069984}],"sentiment":"neutral","sentiment_score":-0.030561575666069984,"channel":1,"num_words":1,"start":1571.78,"end":1572.28},{"sentences":[{"text":"like you're kind of spinning your wheels.","start":1571.905,"end":1573.425,"sentiment":"neutral","sentiment_score":-0.03984681304012026},{"text":"And look, we're earning good money.","start":1573.425,"end":1574.785,"sentiment":"neutral","sentiment_score":0.17660805210471153},{"text":"We should be in a better position.","start":1574.785,"end":1576.245,"sentiment":"neutral","sentiment_score":0.2351256992135729},{"text":"Everybody across every state is doing the same problems.","start":1577.99,"end":1581.05,"sentiment":"neutral","sentiment_score":-0.16392540517780516}],"sentiment":"neutral","sentiment_score":0.03280247824973073,"channel":0,"num_words":29,"start":1571.905,"end":1581.05},{"sentences":[{"text":"Yeah.","start":1582.205,"end":1582.525,"sentiment":"neutral","sentiment_score":-0.10182750970125198},{"text":"It's good to know because it does feel really frustrating where I'm like, why aren't we doing better?","start":1582.525,"end":1587.565,"sentiment":"neutral","sentiment_score":-0.15363916092448765},{"text":"But it's yeah.","start":1587.565,"end":1589.085,"sentiment":"neutral","sentiment_score":-0.1652324696381887},{"text":"At the moment, we don't get going on.","start":1589.085,"end":1590.6849,"sentiment":"negative","sentiment_score":-0.40553347393870354},{"text":"It's quite difficult.","start":1590.6849,"end":1591.6649,"sentiment":"negative","sentiment_score":-0.4367980659008026}],"sentiment":"neutral","sentiment_score":-0.23993005468086762,"channel":1,"num_words":33,"start":1582.205,"end":1591.6649},{"sentences":[{"text":"Yeah.","start":1593.285,"end":1593.685,"sentiment":"neutral","sentiment_score":-0.116970956325531},{"text":"And, again, my life kind of split into three stages where we script and save when we're on low incomes to get a mortgage, then","start":1593.685,"end":1601.8451,"sentiment":"neutral","sentiment_score":-0.02329168826341629}],"sentiment":"neutral","sentiment_score":-0.026894737035036087,"channel":0,"num_words":26,"start":1593.285,"end":1601.8451},{"sentences":[{"text":"Yeah.","start":1601.82,"end":1602.32,"sentiment":"neutral","sentiment_score":0.12261618673801422}],"sentiment":"neutral","sentiment_score":0.12261618673801422,"channel":1,"num_words":1,"start":1601.82,"end":1602.32},{"sentences":[{"text":"we doubled our incomes and spent all of it.","start":1601.8451,"end":1604.49,"sentiment":"neutral","sentiment_score":0.19966944886578453},{"text":"And then we got the habits right, and all of a sudden things are starting to flow properly.","start":1605.05,"end":1609.63,"sentiment":"neutral","sentiment_score":0.33156294127305347}],"sentiment":"neutral","sentiment_score":0.2875984438039638,"channel":0,"num_words":27,"start":1601.8451,"end":1609.63},{"sentences":[{"text":"Yeah.","start":1610.625,"end":1611.125,"sentiment":"neutral","sentiment_score":0.2668225169181824},{"text":"Yeah.","start":1611.345,"end":1611.845,"sentiment":"neutral","sentiment_score":0.29740920662879944}],"sentiment":"neutral","sentiment_score":0.2821158617734909,"channel":1,"num_words":2,"start":1610.625,"end":1611.845},{"sentences":[{"text":"So","start":1613.85,"end":1614.25,"sentiment":"neutral","sentiment_score":0.33218783140182495}],"sentiment":"neutral","sentiment_score":0.33218783140182495,"channel":0,"num_words":1,"start":1613.85,"end":1614.25},{"sentences":[{"text":"Yeah.","start":1614.145,"end":1614.645,"sentiment":"positive","sentiment_score":0.4353553354740143}],"sentiment":"positive","sentiment_score":0.4353553354740143,"channel":1,"num_words":1,"start":1614.145,"end":1614.645},{"sentences":[{"text":"you can do it.","start":1614.25,"end":1615.21,"sentiment":"positive","sentiment_score":0.5819854736328125}],"sentiment":"positive","sentiment_score":0.5819854736328125,"channel":0,"num_words":4,"start":1614.25,"end":1615.21},{"sentences":[{"text":"Cool.","start":1614.865,"end":1615.365,"sentiment":"positive","sentiment_score":0.6767961978912354}],"sentiment":"positive","sentiment_score":0.6767961978912354,"channel":1,"num_words":1,"start":1614.865,"end":1615.365},{"sentences":[{"text":"Just gonna be take it easy on yourself a little bit.","start":1615.21,"end":1617.95,"sentiment":"positive","sentiment_score":0.5331085852601312},{"text":"And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction.","start":1618.2949,"end":1623.4349,"sentiment":"positive","sentiment_score":0.3443674463778734}],"sentiment":"positive","sentiment_score":0.403686090026583,"channel":0,"num_words":35,"start":1615.21,"end":1623.4349},{"sentences":[{"text":"Yes.","start":1624.34,"end":1624.6599,"sentiment":"positive","sentiment_score":0.5338709354400635},{"text":"That sounds perfect.","start":1624.6599,"end":1625.46,"sentiment":"positive","sentiment_score":0.8047436475753784},{"text":"Thank you so much for your time.","start":1625.46,"end":1627.0,"sentiment":"positive","sentiment_score":0.8259066939353943}],"sentiment":"positive","sentiment_score":0.7935862487012689,"channel":1,"num_words":11,"start":1624.34,"end":1627.0},{"sentences":[{"text":"No worries, Lance.","start":1627.975,"end":1628.695,"sentiment":"neutral","sentiment_score":0.2205012639363607},{"text":"Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up.","start":1628.695,"end":1637.24,"sentiment":"neutral","sentiment_score":0.15133301523469744}],"sentiment":"neutral","sentiment_score":0.15594423181480832,"channel":0,"num_words":45,"start":1627.975,"end":1637.24},{"sentences":[{"text":"Yeah.","start":1637.745,"end":1637.985,"sentiment":"neutral","sentiment_score":0.30514681339263916},{"text":"That would be good.","start":1637.985,"end":1638.785,"sentiment":"positive","sentiment_score":0.5115376561880112},{"text":"Yeah.","start":1638.785,"end":1639.025,"sentiment":"neutral","sentiment_score":0.32274341583251953},{"text":"If I could get just, like, a bit of summary of what I should focus on the next few months, that would be perfect.","start":1639.025,"end":1645.605,"sentiment":"neutral","sentiment_score":0.28263224847614765}],"sentiment":"neutral","sentiment_score":0.31524049391349157,"channel":1,"num_words":30,"start":1637.745,"end":1645.605},{"sentences":[{"text":"Fantastic.","start":1647.395,"end":1647.895,"sentiment":"positive","sentiment_score":0.7397173047065735},{"text":"I will get that off to you.","start":1648.115,"end":1649.315,"sentiment":"positive","sentiment_score":0.5383750540869576},{"text":"Do you have any questions for me before I let you go?","start":1649.315,"end":1651.495,"sentiment":"neutral","sentiment_score":0.23912576958537102}],"sentiment":"positive","sentiment_score":0.3688925959169865,"channel":0,"num_words":20,"start":1647.395,"end":1651.495},{"sentences":[{"text":"So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright.","start":1652.62,"end":1658.54,"sentiment":"neutral","sentiment_score":0.21028482710773294},{"text":"Thank you for the moment.","start":1658.54,"end":1659.68,"sentiment":"positive","sentiment_score":0.42948961853981016}],"sentiment":"neutral","sentiment_score":0.2508783070025621,"channel":1,"num_words":27,"start":1652.62,"end":1659.68},{"sentences":[{"text":"Yeah.","start":1659.25,"end":1659.75,"sentiment":"neutral","sentiment_score":0.1254616528749466},{"text":"Yep.","start":1660.2899,"end":1660.77,"sentiment":"neutral","sentiment_score":0.09310679882764816},{"text":"Yeah.","start":1660.77,"end":1661.1699,"sentiment":"neutral","sentiment_score":0.07401430606842041},{"text":"Chat to James and reach out if you need 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you.","start":1673.599,"end":1674.1589,"sentiment":"positive","sentiment_score":0.35603609681129456},{"text":"Bye.","start":1674.1589,"end":1674.6589,"sentiment":"neutral","sentiment_score":0.18716320395469663}],"sentiment":"neutral","sentiment_score":0.2997451325257619,"channel":0,"num_words":3,"start":1673.599,"end":1674.6589},{"sentences":[{"text":"Bye.","start":1675.1051,"end":1675.6051,"sentiment":"neutral","sentiment_score":0.10301682353019714}],"sentiment":"neutral","sentiment_score":0.10301682353019714,"channel":1,"num_words":1,"start":1675.1051,"end":1675.6051}]},"summary":{"result":"success","short":"The adviser from a real estate company called Leo discusses their cash flow and mortgage with the customer, emphasizing the importance of overinvesting and overpaying. They suggest managing expenses and credit scores through budgeting and using a caravan. The speaker emphasizes the importance of living a lifestyle that allows for personal growth and profitability, including caravaning and planning for retirement. They emphasize the importance of planning ahead and keeping money in savings for the long term, and emphasize the need to save money in the first place. The goal is to build a life stage for themselves by the age of $4,000 and increase their income over time."},"intents":{"segments":[{"text":"Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you. Do you still have Yeah.","start_word":37,"end_word":59,"intents":[{"intent":"Discuss cash flow and mortgage discussion","confidence_score":0.3664869}]},{"text":"So I'm registered with Atticus adviser 1273105. Could you please confirm your date of birth and address?","start_word":113,"end_word":129,"intents":[{"intent":"Confirm information","confidence_score":0.5275666}]},{"text":"Thank you for that, Leah. Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting advice. Is that right? Yeah.","start_word":141,"end_word":182,"intents":[{"intent":"Pay off mortgage","confidence_score":0.19376275}]},{"text":"So I probably do wanna refinance. I'm just not sure if there's much point at the moment with interest rates that it keep going up. So I didn't know whether it was worth waiting. But, yeah, nothing really came to that. Yeah.","start_word":285,"end_word":326,"intents":[{"intent":"Discuss refinance","confidence_score":0.0057191555}]},{"text":"I'm just not sure if there's much point at the moment with interest rates that it keep going up. So I didn't know whether it was worth waiting. But, yeah, nothing really came to that. Yeah.","start_word":291,"end_word":326,"intents":[{"intent":"Discuss interest rates","confidence_score":0.26336876}]},{"text":"And that's the thing too is because on paper, like you said, the ratios I'm looking at, you you're sitting at about 60% for expenses, which is pretty well perfect.","start_word":640,"end_word":669,"intents":[{"intent":"Rates","confidence_score":0.00010103512}]},{"text":"on this issue in terms of repayments. It's not too expensive. It's, like, 980 a month. So 200 or so.","start_word":837,"end_word":856,"intents":[{"intent":"Calculate repayments","confidence_score":0.054541793},{"intent":"Calculate monthly repayments","confidence_score":0.00072979013}]},{"text":"And one of the things that I definitely wanna say off the bat is that I'm coming across the a similar situation for people living in Victoria and New South Wales with really good incomes, you know, that $200,000 combined mark, And everyone's kind of doing everything right except Yes.","start_word":944,"end_word":993,"intents":[{"intent":"Discuss personal circumstances","confidence_score":0.00013116987}]},{"text":"But mortgage rates up, groceries up, electricity is up, cost of living, bills, everything's kind of all jumped up really, really significantly. And when Yes.","start_word":1000,"end_word":1024,"intents":[{"intent":"Discuss cost-of-living","confidence_score":0.00050501217},{"intent":"Discuss cost of living","confidence_score":0.15775575},{"intent":"Discuss cost of living","confidence_score":0.18416034},{"intent":"Discuss cost of living","confidence_score":0.19495423}]},{"text":"the government talks about a 3% inflation rate, that doesn't really include everything. So even, Yes.","start_word":1025,"end_word":1040,"intents":[{"intent":"Clarify communication","confidence_score":0.0008433672}]},{"text":"So, yes, I hear what you're saying before about overspending on a week to week because on paper it looks good, but you're also being hit from that five different directions between all the loans and everything else that's jumped up. Yeah.","start_word":1136,"end_word":1177,"intents":[{"intent":"Discuss overspending","confidence_score":0.0039045846},{"intent":"Discuss overspending","confidence_score":0.105942376},{"intent":"Discuss debts","confidence_score":0.0016057991}]},{"text":"that's what I'm telling a lot of people too is, like, you can't try and script and save every single little thing to the point where you can't even enjoy living and you're just working to live rather than you know what I mean? Yeah.","start_word":1258,"end_word":1302,"intents":[{"intent":"Explaining a situation","confidence_score":0.00095219706},{"intent":"Explaining a situation","confidence_score":0.0527822}]},{"text":"Having a caravan is not a make or break for your life. It's a it's a period of time as well. There's little tricks that you can do. Like, for example, if you've got all those offset accounts, if you're parking your caravan repayments in there to offset the mortgage for the month before it goes out to pay for the caravan repayment, little things Yep.","start_word":1303,"end_word":1368,"intents":[{"intent":"Discussing a debt","confidence_score":0.0010745302},{"intent":"Discussing a plan","confidence_score":0.0029709707}]},{"text":"that you can really do is Yes. like, it's painful, but getting very, very granular with your budget for a week, a month, and a Yes. quarter, where you pretty much track everything that went out for that that week and try Yes. to get, like, a net zero position where you know where every dollar is going and you make sure Yep. it actually goes Yes.","start_word":1676,"end_word":1742,"intents":[{"intent":"Evaluate budget optimization","confidence_score":0.0005163352}]},{"text":"Your income's great. You're not overspending on pretty much anything else. Like, when I'm looking at what you've put in, the groceries make sense. That's pretty common. You're not going overboard there. Some people, you know, they shop at Aldi and Costco, and they try and save that $40 a week on groceries, but that's not gonna make or break you guys. Yeah.","start_word":2001,"end_word":2063,"intents":[{"intent":"Evaluate financial resources","confidence_score":0.000084960564}]},{"text":"So when I look at what you've got listed for the savings, it says about $800 a month, which is about $200 a week.","start_word":2247,"end_word":2270,"intents":[{"intent":"Calculate savings goals","confidence_score":0.13440925}]},{"text":"So then, like, we can save up a bit and then we pretty much just save it all there as long ago.","start_word":2602,"end_word":2623,"intents":[{"intent":"Save money","confidence_score":0.64613974},{"intent":"Save money","confidence_score":0.01907003}]},{"text":"could do, like, a caravan trip last year, and we're planning on doing another one at the end of the year.","start_word":2641,"end_word":2661,"intents":[{"intent":"Plan trip","confidence_score":0.76120013}]},{"text":"I honestly, So it's it's just definitely I know the that little it's things. like it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up. Yes.","start_word":2712,"end_word":2759,"intents":[{"intent":"Keep things organized","confidence_score":0.051200956}]},{"text":"One of the things that would happen to me a lot is whenever we went shopping for something, I'd always be getting the kids, like, a toy or something or a bit of sushi or takeaway.","start_word":2879,"end_word":2914,"intents":[{"intent":"Takeaway","confidence_score":0.0032537167}]},{"text":"That can be 200 a week, and then aim for 400 a week after six months, and then see if you can maintain that for, you know, that second half of the year. Yep.","start_word":3076,"end_word":3109,"intents":[{"intent":"Plan budget and budget","confidence_score":0.0016733013}]},{"text":"Okay.","start_word":3421,"end_word":3421,"intents":[{"intent":"Plan savings","confidence_score":0.036654763}]},{"text":"And low and behold, hopefully, interest rates drop next year, and then you get a little bit extra. Yeah. Hopefully.","start_word":3641,"end_word":3660,"intents":[{"intent":"Acquire interest rates","confidence_score":0.003236419}]},{"text":"I I did a spreadsheet from our bank and then, how did we spend an extra $70,000? Yeah.","start_word":3983,"end_word":4000,"intents":[{"intent":"Manage spending","confidence_score":0.018316036}]},{"text":"I would kind of split into about four or five different steps. Yeah. Okay. And Sounds do you think you guys can do that? I mean, look. I'll talk to my husband. We're always really renovate when we first talk about it. It's just sending me to it. So Yeah. I'll definitely chat to him and try and work something out just to try and control the data or the weekly a bit more. Yeah.","start_word":4319,"end_word":4393,"intents":[{"intent":"Schedule meetings and goals","confidence_score":0.0000023801636}]},{"text":"And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction. Yes.","start_word":4631,"end_word":4655,"intents":[{"intent":"Check-in","confidence_score":0.07988071}]},{"text":"Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up. Yeah.","start_word":4668,"end_word":4710,"intents":[{"intent":"Send recap","confidence_score":0.40273422}]},{"text":"I will get that off to you. Do you have any questions for me before I let you go? So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright. Thank you for the moment. Yeah. Yep. Yeah. Chat to James and reach out if you need to.","start_word":4741,"end_word":4799,"intents":[{"intent":"Give a call","confidence_score":0.0017014827}]},{"text":"Thank you. You too. Thank you.","start_word":4819,"end_word":4824,"intents":[{"intent":"Confirm understanding","confidence_score":0.01271819}]}]},"sentiments":{"segments":[{"text":"Hello. Leah speaking. Hi, Leo. It's Tommy here, senior adviser from. How are you going today? Good. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.14003092050552368},{"text":"I'm doing fantastic. It's a beautiful freezing Friday, but happy Friday to you. Yeah. Thanks.","start_word":20,"end_word":34,"sentiment":"positive","sentiment_score":0.6571342349052429},{"text":"No worries. Mate, I'm just giving you a call to go over this cash flow and mortgage discussion with you. Do you still have Yeah. a bit of time for me? Yes. I do.","start_word":35,"end_word":68,"sentiment":"neutral","sentiment_score":0.07733799517154694},{"text":"Perfect.","start_word":69,"end_word":69,"sentiment":"positive","sentiment_score":0.4894838631153106},{"text":"Now I do have all of your information up in front of me, the budget planner that you completed, your fact file with all of your details. Do you mind if I just do the usual security check with you, please? Sure. Perfect. So I'm registered with Atticus adviser 1273105. Could you please confirm your date of birth and address? 77 South Mountain 8938 O'Leary Way, New England, Detroit, 350. Sensational.","start_word":70,"end_word":140,"sentiment":"neutral","sentiment_score":0.1165381669998169},{"text":"Thank you for that, Leah.","start_word":141,"end_word":145,"sentiment":"positive","sentiment_score":0.5129771828651428},{"text":"Now just to make sure that I've got this correct, you're trying to essentially pay off your mortgage as quickly as possible and looking to get some, like, cash flow and budgeting advice. Is that right? Yeah. Probably. Yep. Cool. Now I'm having a quick look at the history on your file there. It looks like you did talk to Brooke, one of the mortgage brokers for a bit of a review. Did anything come of that to help with the No. I didn't really end up submitting everything because she wanted, mortgage?","start_word":146,"end_word":238,"sentiment":"neutral","sentiment_score":0.022135380655527115},{"text":"like, very much stuff, and I didn't really have the time to do it because I wasn't looking to refinance. So I don't know if she just had asked me so much information that it was just it was too hard for me to get it.","start_word":239,"end_word":284,"sentiment":"negative","sentiment_score":-0.4092135727405548},{"text":"So I probably do wanna refinance.","start_word":285,"end_word":290,"sentiment":"neutral","sentiment_score":-0.2816639840602875},{"text":"I'm just not sure if there's much point at the moment with interest rates that it keep going up.","start_word":291,"end_word":309,"sentiment":"negative","sentiment_score":-0.3728120028972626},{"text":"So I didn't know whether it was worth waiting. But, yeah, nothing really came to that. Yeah.","start_word":310,"end_word":326,"sentiment":"neutral","sentiment_score":-0.27723753452301025},{"text":"And to be honest, like, if you're still on the AMP loan, that's a little bit under 6% or about to jump up to 6%, like, that's still a pretty decent rate in comparison. There's not too many floating around that are much better than that. I think we're on it's gone up, and it just went up on Tuesday.","start_word":327,"end_word":386,"sentiment":"positive","sentiment_score":0.38130074739456177},{"text":"So, Yeah. I mean, from the last week, I don't mean the RBA meeting. I mean, like, from the last increase, it just went up. And my Yeah. right now, it's It's not down, I think. I think it's, like, 6.1 Yep. 6.19, and it might jump up a little bit more. nine. Well, it will after June, Wednesday, whenever they're meant. Yeah. Yep.","start_word":387,"end_word":450,"sentiment":"neutral","sentiment_score":0.0569881871342659},{"text":"Awesome.","start_word":451,"end_word":451,"sentiment":"positive","sentiment_score":0.5213642120361328},{"text":"So, yeah, on Okay. my she my mortgage payment is now $9.75 per week. I think it might have been at $9.30 on the phone. $9.75 per week.","start_word":452,"end_word":479,"sentiment":"neutral","sentiment_score":0.13761503994464874},{"text":"One of the things that I can definitely see is, like, just based on the budget planner that you filled out, you've got a really good ratio of how you're splitting your money.","start_word":480,"end_word":512,"sentiment":"positive","sentiment_score":0.3548568785190582},{"text":"Like, Yeah. one of the things that I tend to do with people is just kind of proportion things between, like, what's an expense, what's kind of, like, your fund money, what's your savings, that kind of thing, just to get a bit of a percentage going. Have you ever done that before? I have. And I can be completely honest and say that on paper, like, we earn exactly good money and we should be in a better position, but we overspend every single week.","start_word":513,"end_word":598,"sentiment":"neutral","sentiment_score":0.03957042098045349},{"text":"So I don't even know what the problem is.","start_word":599,"end_word":607,"sentiment":"negative","sentiment_score":-0.3674175441265106},{"text":"Yeah. We need to overspend every week on just, I don't know, food and drinks and, I don't know, doing rolling out for dinner and, you know, that sort of stuff.","start_word":608,"end_word":638,"sentiment":"neutral","sentiment_score":-0.309281587600708},{"text":"And that's the thing too is because on paper, like you said, the ratios I'm looking at, you you're sitting at about 60% for expenses, which is pretty well perfect. Splurge in fund money under 20% is really good.","start_word":639,"end_word":677,"sentiment":"positive","sentiment_score":0.4278121590614319},{"text":"And then it says that you've got a pretty large surplus, which if I just plug that surplus on on paper into a mortgage calculator, you're knocking twenty years off the mortgage. It could be done in in ten. You Yeah. know what I mean? Oh, okay. Yeah. Yeah. So one of the things I wanna just quickly ask you, which may be helpful, just in terms of your structure, do you use, like, a a redraw account, offset account? How have you got Yeah. Offset. So structured? in like, my savings is I've got, like, four or five offset accounts. So and then the home loan, we can redraw on it. So the savings, like, savings money I've got sitting in a home loan account and then the kids savings and, like, bills money and stuff, I've got in offset accounts. Sensational. And the caravan, there's a bit of a caravan loan there. It looks pretty low Yeah. on this issue in terms of repayments. It's not too expensive. It's, like, 980 a month. So 200 or so. I'll put it on my what did I put on the spreadsheet? Yep. $9.80 a month and 175,000 oh, sorry. One second. I'm just gonna do a quick calculation. Times 12. So it's about $12 a year coming out of that. You're on about a 175,000 take home pay. So it is a decent chunk at about six or 7% of your, like, combined take home pay.","start_word":678,"end_word":923,"sentiment":"neutral","sentiment_score":0.04962661862373352},{"text":"So it's definitely eating into things a little bit.","start_word":924,"end_word":932,"sentiment":"negative","sentiment_score":-0.5167344212532043},{"text":"I'm Yes. just making Yes. a quick note of that.","start_word":933,"end_word":942,"sentiment":"neutral","sentiment_score":0.08720128238201141},{"text":"And one of the things that I definitely wanna say off the bat is that I'm coming across the a similar situation for people living in Victoria and New South Wales with really good incomes, you know, that $200,000 combined mark, And everyone's kind of doing everything right except Yes. for those things a week to week. But mortgage rates up, groceries up, electricity is up, cost of living, bills, everything's kind of all jumped up really, really significantly.","start_word":943,"end_word":1021,"sentiment":"positive","sentiment_score":0.4687432646751404},{"text":"And when Yes. the government talks about a 3% inflation rate, that doesn't really include everything. So even, Yes. like, what you've seen, grocery's been $3.03 50 a week. That's still quite a jump from where it was five, ten years ago. Yes. So there's some things that are kind of out of our control and it's kind of a time based thing where Yeah. this type of cost of living issue, it's never permanent, but it can last Yeah. for a number of years. So if this Yeah. was your income five years ago, you guys would have an extra and possibly 20,000 per year just based on every single item added. Yeah. So, yes, I hear what you're saying before about overspending on a week to week because on paper it looks good, but you're also being hit from that five different directions between all the loans and everything else that's jumped up. Yeah. Also, all my insurances have gone up as well, like, significantly. Yeah. So Yep. I guess that's why we've decided, like, we could afford the caravan, and that was just part of the lifestyle that we wanted. So I'm just alone. Yeah. I think it's six years, and we're about one year in. So, you know, I know that we should be doing better, but it's also like we need to also live. So Yeah. I don't And know. that's what I'm telling a lot of people too is, like, you can't try and script and save every single little thing to the point where you can't even enjoy living and you're just working to live rather than you know what I mean? Yeah. Yeah. Having a caravan is not a make or break for your life. It's a it's a period of time as well.","start_word":1022,"end_word":1323,"sentiment":"neutral","sentiment_score":0.003895890249081252},{"text":"There's little tricks that you can do.","start_word":1324,"end_word":1330,"sentiment":"positive","sentiment_score":0.37102824449539185},{"text":"Like, for example, if you've got all those offset accounts, if you're parking your caravan repayments in there to offset the mortgage for the month before it goes out to pay for the caravan repayment, little things Yep.","start_word":1331,"end_word":1368,"sentiment":"neutral","sentiment_score":0.1705043762922287},{"text":"like I'm that can stack up a little bit if you're if you doing feel that.","start_word":1369,"end_word":1384,"sentiment":"positive","sentiment_score":0.4118896424770355},{"text":"like you're doing that.","start_word":1385,"end_word":1388,"sentiment":"neutral","sentiment_score":0.28723153471946716},{"text":"Yeah. I pretty much try and keep all my money in for as long as possible and then pay it out so that it can Yep. when they calculate it, the mortgage, like, the interest per month, it's hopefully as well as possible. Yeah. So I think the two things is if you've got your five offset accounts and you're already splitting everything and you're parking your cash there until the big bills go out, that's amazing. Yep.","start_word":1389,"end_word":1466,"sentiment":"positive","sentiment_score":0.4643456935882568},{"text":"Like I said, on paper, if you pumped all of that into offset and actually built it up over time, your mortgage would flood out very, very quickly. And Yep. so that really just points to that that week to week issue that you're talking about. Yeah. Okay. Which I knew I knew. I just wanted to see if there is something else we should be doing. Like, I feel like that we're doing everything the right way except for them when it's into, like, the weekend stuff. It's really just, I don't know. I guess, we have just to get my credit limit a bit. Look. It happens to kind of I keep saying it happens to everyone.","start_word":1467,"end_word":1585,"sentiment":"neutral","sentiment_score":0.007569014560431242},{"text":"My my wife, for example, she gets staff discounts with Myer, And it's very easy while she's at work to just go, oh, look, we need this, we need this, we need this. And all of a sudden, there's 75 transactions with Myer for the year.","start_word":1586,"end_word":1631,"sentiment":"positive","sentiment_score":0.512398898601532},{"text":"Yes. Yep. And if you look at it over a year, you go, oh, that's x amount of thousands of dollars, but we only really thought we'd spend half of that on that type Yeah. of thing. Yep. So the only two things Right.","start_word":1632,"end_word":1675,"sentiment":"neutral","sentiment_score":0.2331909537315369},{"text":"that you can really do is Yes.","start_word":1676,"end_word":1682,"sentiment":"positive","sentiment_score":0.3864768147468567},{"text":"like, it's painful, but getting very, very granular with your budget for a week, a month, and a Yes.","start_word":1683,"end_word":1701,"sentiment":"neutral","sentiment_score":0.2967626750469208},{"text":"quarter, where you pretty much track everything that went out for that that week and try Yes. to get, like, a net zero position where you know where every dollar is going and you make sure Yep.","start_word":1702,"end_word":1738,"sentiment":"positive","sentiment_score":0.3695424795150757},{"text":"it actually goes Yes. there kind of thing. And then what happens is something else pops up and it pulls it out there and that throws your budget out of whack. Yeah. Okay.","start_word":1739,"end_word":1771,"sentiment":"neutral","sentiment_score":-0.1899830549955368},{"text":"Just from a behavioral standpoint, one thing that's had a lot of success with our clients as well is planning shopping trips. Yep. And it's one of the things like, yeah, you can be out and you can spend a few $100 out of the nighttime.","start_word":1772,"end_word":1817,"sentiment":"positive","sentiment_score":0.47947415709495544},{"text":"That's one thing.","start_word":1818,"end_word":1820,"sentiment":"neutral","sentiment_score":0.2927870452404022},{"text":"And the other thing is if you're, like, constantly doing those little purchases to actually build up some money for a period of time when you you just refuse to touch it for a fortnight or a month and then go on a big shopping trip with everybody and get all those things just based on what's been saved for it.","start_word":1821,"end_word":1881,"sentiment":"positive","sentiment_score":0.3376445174217224},{"text":"Do you know what I mean? Yeah.","start_word":1882,"end_word":1888,"sentiment":"neutral","sentiment_score":0.1720850169658661},{"text":"I think so.","start_word":1889,"end_word":1891,"sentiment":"positive","sentiment_score":0.34717971086502075},{"text":"Instead of just randomly buying it, put the money aside.","start_word":1892,"end_word":1901,"sentiment":"neutral","sentiment_score":0.2958498001098633},{"text":"Yeah. And then And actually just that delayed gratification of saying, like, I've got something yeah.","start_word":1902,"end_word":1917,"sentiment":"positive","sentiment_score":0.48709362745285034},{"text":"to look forward to, and I'm not gonna Yep. feel guilty at all for what I spend because I've put it aside specifically for that.","start_word":1918,"end_word":1942,"sentiment":"neutral","sentiment_score":0.03346903204917908},{"text":"There's zero guilt. It's a fun day, but it means that you're in control of it rather than everything going left, right, and center between you and your partner.","start_word":1943,"end_word":1971,"sentiment":"positive","sentiment_score":0.550756573677063},{"text":"And then when you look back on it two months later, you go, oh my god. It went here with that. Yeah. Yeah. Yeah. Okay.","start_word":1972,"end_word":1996,"sentiment":"neutral","sentiment_score":0.14550405740737915},{"text":"So your structure's perfect. Your income's great. You're not overspending on pretty much anything else.","start_word":1997,"end_word":2011,"sentiment":"positive","sentiment_score":0.6004286408424377},{"text":"Like, when I'm looking at what you've put in, the groceries make sense. That's pretty common. You're not going overboard there. Some people, you know, they shop at Aldi and Costco, and they try and save that $40 a week on groceries, but that's not gonna make or break you guys. Yeah. Your electricity Okay. is reasonable. Your insurances the school fees are reasonable. Yep. Spending a bit on toiletries in the gym and takeaway, Yeah. It can all add up, and that's kind of where everything goes. And Yes. if you're hard on yourself, you can trim it off and and decide you're not gonna do it for a year. And and it's kind of like a like a dieting exercise where people go, I'm gonna just eat chicken and broccoli and rice for twelve months to lose weight. Yes.","start_word":2012,"end_word":2152,"sentiment":"neutral","sentiment_score":0.06062185391783714},{"text":"That's not really sustainable, though.","start_word":2153,"end_word":2157,"sentiment":"negative","sentiment_score":-0.4450789988040924},{"text":"You could do that for a period of time, but like you said, you've gotta live as well. Yeah. So How the sorry. no. Go for it. I was just I was just gonna ask why he said like, in the calculator, like, we could zero to reduce the home pay off of home maintenance. Like, what would that look like? Like, how would you do that? I don't think that's, like, achievable for us right now, but I'm curious as to what that would look like. Yeah. So when I look at what you've got listed for the savings, it says about $800 a month, which is about $200 a week. Yep. But when you add everything else up together, there's also about a Yes. $36,000 surplus sitting there that's not allocated to anything, which pretty much brings you to like, okay. Mortgage has jumped up a little bit, so let's quote 800 a week of Yes. cash flow on paper that's available to go either as a repayment or just piling into the offset to have the same effect. Yeah. Now it's Okay. very, very hard for someone to consistently court $800 a week into savings for ten years and not have anything pop up that they need to spend it on. Yes. But it's something that is possible, and what that really means for you guys is that anywhere between your thirty years and your ten years, somewhere in between there is where you can get it to realistically. Yeah. We just gotta stop putting more money on home loans, really. Yeah. Not even necessarily the home loan, but just putting into that one account that it's never used for anything. It's even Yes. if it's 400 a week where it's like that is just going to make sure the mortgage is trimmed off from thirty years to twenty years, and we're just not gonna touch that. Yep. Do you have that situation where you've got a lot of little expenses throughout the weeks, but you've also got those bigger ones throughout the year, like the like the little holiday or taking the family out that's a bit bigger as well, or how do you guys kind of operate? Well, in terms of the bigger expenses, like, the bills, I put that aside each week. So that, Yep. like, cancel rates and rego and all that sort of stuff. Like, everything is full side each week so I can just pay it. If we have a holiday, we'll, like, sort of save for that. We'll, like, plan it a few months sort of out and then save up for that.","start_word":2158,"end_word":2600,"sentiment":"neutral","sentiment_score":-0.003920339283367312},{"text":"So then, like, we can save up a bit and then we pretty much just save it all there as long ago.","start_word":2601,"end_word":2622,"sentiment":"positive","sentiment_score":0.4216395616531372},{"text":"It's not like we go overseas, and we'll never people never been overseas with us, but we Yeah.","start_word":2623,"end_word":2640,"sentiment":"neutral","sentiment_score":0.14092856645584106},{"text":"could do, like, a caravan trip last year, and we're planning on doing another one at the end of the year.","start_word":2641,"end_word":2661,"sentiment":"positive","sentiment_score":0.3353266417980194},{"text":"So I don't know when like, we don't really have too many. I wouldn't say these expenses because, like, if we have we're going away with plan for it, and then every other bill that we have, I plan for it each week anyway and put it aside. So Yeah. I honestly, So it's it's just definitely I know the that little it's things. like it's it would definitely I'd say the little things, like, I'll do shopping every week, and then I'm still, for some reason, going to the shop every second day keeping things up. Yes. And that I know They'll is costing top up. a lot without realizing. And then I'm trying to make sure I get everything in the one shop even if it's a little bit more because I feel like it's still saving my book. And Yeah. then it's just our day to day, like I don't know. Just every week, they're thinking something else, like, you know, haircuts and then dog grooming and then at Mother's Day, it's Yeah. still going out and like, it's just like every week, we never have any money over, and then we're just, like, digging into the savings.","start_word":2662,"end_word":2862,"sentiment":"neutral","sentiment_score":0.1015217900276184},{"text":"So it's like we're just not it's sort of stagnant.","start_word":2863,"end_word":2872,"sentiment":"negative","sentiment_score":-0.3828085660934448},{"text":"Yeah. Yep. I hear you completely. One of the things that would happen to me a lot is whenever we went shopping for something, I'd always be getting the kids, like, a toy or something or a bit of sushi or takeaway. And when I looked at it, that was $50.60 dollars done, and that was adding up to that. There was always an excuse to do that every couple of days. Yep.","start_word":2873,"end_word":2945,"sentiment":"neutral","sentiment_score":0.06664893704734437},{"text":"Yeah. So one of the things that you can try as a bit of a flip is rather than saying, oh, I wanna put aside $800 a week into savings to pay off the mortgage, is focus on putting aside those timed spending and do that first.","start_word":2946,"end_word":2992,"sentiment":"positive","sentiment_score":0.3472156524658203},{"text":"Mhmm. Yeah. So when it comes to, again, going out, the holidays, the little purchases, all that kind of thing, is see if you can space it out where you know when you're gonna do it rather than it being just ad hoc between the two of you guys and random, essentially. And then once you've got Yes. that kind of behavior down the path, then there'll be less reasons to ever dip into the savings, and you can start that Yeah. small. That can be 200 a week, and then aim for 400 a week after six months, and then see if you can maintain that for, you know, that second half of the year. Yep. And okay. So I would probably talk to James and say, hey. Let's again, you're gonna have to do that little sit down because you've already split everything and spread shaded it, planned for it as far as expenses goes. I don't want you guys to just, like, plan the fun things together so that you're getting the the dopamine hits on a regular basis, but it's a planned and controlled dopamine hit. Yeah.","start_word":2993,"end_word":3183,"sentiment":"neutral","sentiment_score":0.186559796333313},{"text":"Yeah. I like that. So even if you do that for let's say you try and put the savings aside at 200 a week and then the other stuff, plan those little little and medium expenditures for about a month or so.","start_word":3184,"end_word":3225,"sentiment":"positive","sentiment_score":0.35165905952453613},{"text":"And just decide between you guys the frequency that you're gonna be okay to do that for, whether it's waiting a week, a fortnight, or a month, and see if I can keep the the fund expenditure as a bit of a controlled kind of thing. Yes. Makes sense. Yeah. It's a bit of a reverse psychology because, again, it's always about let's trim everything down and bulk our savings up. I'd rather flip it around and get the behaviors right for the fund side that tends to cause the chaos. And then you start building up the savings the better and better you get at it. Yep. So even Okay. if you say we're gonna save nothing for the next two months, we're just gonna split everything up.","start_word":3226,"end_word":3354,"sentiment":"neutral","sentiment_score":0.13838935126514398},{"text":"We've got our expenses aside. That's great. And let's actually just put all of our cash flow into building up for the fun things.","start_word":3355,"end_word":3378,"sentiment":"positive","sentiment_score":0.6033595204353333},{"text":"And then once you've Yep. done that for a month or two, then go, okay. This is working. It's not working. Make your adjustment, and then start putting aside that savings for, say, July to Christmas and see how you go. Yes. Okay. Even if you go I'm just trying to work out a few, like, little goals for you guys. Mhmm. Oh, sorry. If I go 200 a week for the year, make that into monthly, do about five of those. Your goal by the end of the year will probably end up being an additional, say, 5 to 10,000 in savings Mhmm. between July and Christmas. Yeah.","start_word":3379,"end_word":3487,"sentiment":"neutral","sentiment_score":0.13868094980716705},{"text":"That'll be good.","start_word":3488,"end_word":3490,"sentiment":"positive","sentiment_score":0.4611805677413941},{"text":"And then double that for the next year so that instead of 10,000 for six months, it becomes $2,030,000 for the year.","start_word":3491,"end_word":3512,"sentiment":"neutral","sentiment_score":0.32661494612693787},{"text":"That would be a fantastic year for you guys. Like, you don't have to try and put $50 away to catch your mortgage up multiple years.","start_word":3513,"end_word":3538,"sentiment":"positive","sentiment_score":0.5424261093139648},{"text":"But imagine if in eighteen months' time, you've got an additional $2,530,000 dollars sitting there. Yeah.","start_word":3539,"end_word":3554,"sentiment":"neutral","sentiment_score":0.18631134927272797},{"text":"It would be good.","start_word":3555,"end_word":3558,"sentiment":"positive","sentiment_score":0.3810792863368988},{"text":"That's what I'm trying to aim for, but this doesn't seem to happen. Yep. So one thing that I'm I'm definitely gonna be, like, reiterating a lot is Mhmm. go guilt free for the next two months, but make it a planned fund and then Mhmm.","start_word":3559,"end_word":3604,"sentiment":"neutral","sentiment_score":0.15236854553222656},{"text":"try and hit that first small goal where it's you're still having all the fun, and then there's that $5 building up in the background for Christmas, Yeah.","start_word":3605,"end_word":3632,"sentiment":"positive","sentiment_score":0.4041793644428253},{"text":"and then start increasing it next year. Okay. And low and behold, hopefully, interest rates drop next year, and then you get a little bit extra. Yeah. Hopefully. I'm sorry. Yeah. And look, we're we're still what? You guys are still in your thirties? Yes. Yep.","start_word":3633,"end_word":3678,"sentiment":"neutral","sentiment_score":-0.008077621459960938},{"text":"So with your good incomes, you got the family, living a fun, comfortable life. If you're building up by the time you're $4,050,000 dollars in an offset account, that's a pretty good goal. And then from 40 to 50, once all the kids are kind of in school or off school and things like that, that's when you start making that big leap, and you've got hundreds of thousands building up in equity or investments.","start_word":3679,"end_word":3753,"sentiment":"positive","sentiment_score":0.5184403657913208},{"text":"You Mhmm. pretty much gonna take it as like a life stages thing every five to ten years. Yes. All you've gotta do, Leah, is pretty much try to make those the next five years. That habit building where you do progress closer to what you wanna do, but you're not trying to go all or nothing. You're not trying to go broccoli and chicken. Yeah.","start_word":3754,"end_word":3819,"sentiment":"neutral","sentiment_score":0.13168737292289734},{"text":"I think maybe that's what the problem is that I'm trying to go too hard in it, and it's just not realistic at the moment.","start_word":3820,"end_word":3844,"sentiment":"negative","sentiment_score":-0.3889487385749817},{"text":"Can I be honest with you? I did the exact same thing. I've been in the industry for twelve years. I did the same thing six years ago where I told my wife, we're gonna have the mortgage paid off. I told her in four years. Yeah. Yeah. And over that four years, we made not a single dent into extra net repayments for the mortgage, and Yeah.","start_word":3845,"end_word":3912,"sentiment":"neutral","sentiment_score":0.020529096946120266},{"text":"I doubled my income. We had we got the best deal ever in terms of a 2% interest rate, and Yep. I'm actually saving more now at a 6% interest rate than when I was in a 2%.","start_word":3913,"end_word":3950,"sentiment":"positive","sentiment_score":0.3901742696762085},{"text":"Yeah. Yeah. That's And funny. that was our thing. It was just like we got the kids there. There was always something little to do it on. And then I look back. I I did a spreadsheet from our bank and then, how did we spend an extra $70,000? Yeah.","start_word":3951,"end_word":4000,"sentiment":"neutral","sentiment_score":0.06313902497291565},{"text":"If you're not watching it, it just really goes. I'm just crap.","start_word":4001,"end_word":4012,"sentiment":"negative","sentiment_score":-0.47884681820869446},{"text":"I reckon. It's exactly right. If you're not watching it like a hawk, it goes.","start_word":4013,"end_word":4027,"sentiment":"neutral","sentiment_score":-0.13749785721302032},{"text":"But the problem is is if you try Mm-mm. and, like, watch it every single day and account for every dollar, it becomes suffocating as well. Yeah. I don't wanna do that. I mean, I've got friends that are in a really good position, but then, you know, like, a lot of the times, the women complain to me how they're no longer doing anything or send anyone or anything. And I'm like, oh, that's not really that's not fun to do.","start_word":4028,"end_word":4109,"sentiment":"negative","sentiment_score":-0.510442316532135},{"text":"Exactly right. Exactly right. But then we're probably just a bit too little where we're just like, oh, I will just spend it. So that's why I just wanna try and clean up the at it a little bit so that we just can try and put up. I'm gonna be there too soon. Yeah. So you've got that budget planner there as a bit of a guide in reference of what is possible in an ideal scenario. Then it's pretty Mhmm. much like, yep. Let's focus on getting the fun habits right and making sure that the guilt is gone and that we're doing the things that we wanna do. And then we build that habit towards the savings goals after that. Yes. And every three months or so, we can just have a little bit of an update. If we actually look back Yep. at all the things, did we expend what we said we were going to on these areas? Which ones did we overspend off? Yeah. Okay. And then you can space that out by an extra week. You can maybe trim down a little bit or put a bit more in there so it's actually in there rather than dipping into savings. So Yep. I would kind of split into about four or five different steps. Yeah. Okay. And Sounds do you think you guys can do that? I mean, look. I'll talk to my husband. We're always really renovate when we first talk about it. It's just sending me to it. So Yeah. I'll definitely chat to him and try and work something out just to try and control the data or the weekly a bit more. Yeah. Maybe just tell James and say, hey. Look. I I talked to the senior adviser. He doesn't want us to go broccoli and chicken breast and go high for saving. He wants us to focus on structuring the fund more first, and then we'll have another catch up in a few months' time, see how you've gone. And then we can hopefully from then set that first savings goal at our next catch up. Yep. Okay. No worries. Cool. And look, again, I'll repeat. It's not a permanent thing, the situation that we're in economically, and it may feel Yeah. like you're kind of spinning your wheels. And look, we're earning good money. We should be in a better position. Everybody across every state is doing the same problems. Yeah. It's good to know because it does feel really frustrating where I'm like, why aren't we doing better? But it's yeah.","start_word":4110,"end_word":4544,"sentiment":"neutral","sentiment_score":0.06158072160578322},{"text":"At the moment, we don't get going on. It's quite difficult.","start_word":4545,"end_word":4555,"sentiment":"negative","sentiment_score":-0.41708284616470337},{"text":"Yeah. And, again, my life kind of split into three stages where we script and save when we're on low incomes to get a mortgage, then Yeah. we doubled our incomes and spent all of it. And then we got the habits right, and all of a sudden things are starting to flow properly. Yeah. Yeah.","start_word":4556,"end_word":4611,"sentiment":"neutral","sentiment_score":0.13170914351940155},{"text":"So Yeah. you can do it. Cool. Just gonna be take it easy on yourself a little bit. And as long as I can check-in with you every few months, I can kind of help keep nudging you in the right direction. Yes. That sounds perfect. Thank you so much for your time.","start_word":4612,"end_word":4664,"sentiment":"positive","sentiment_score":0.5083453767704513},{"text":"No worries, Lance. Do you mind if I just send you a bit of an email this afternoon as a bit of a recap, and then I'll get the team to kind of reach out in a few months, and we'll have a catch up. Yeah.","start_word":4665,"end_word":4710,"sentiment":"neutral","sentiment_score":0.16466473042964935},{"text":"That would be good.","start_word":4711,"end_word":4714,"sentiment":"positive","sentiment_score":0.49855491518974304},{"text":"Yeah. If I could get just, like, a bit of summary of what I should focus on the next few months, that would be perfect.","start_word":4715,"end_word":4739,"sentiment":"neutral","sentiment_score":0.2878516614437103},{"text":"Fantastic. I will get that off to you.","start_word":4740,"end_word":4747,"sentiment":"positive","sentiment_score":0.5739421248435974},{"text":"Do you have any questions for me before I let you go? So I'll just leave you your email, and then if I have any questions, I'll I'll just decide if that is alright.","start_word":4748,"end_word":4781,"sentiment":"neutral","sentiment_score":0.224705308675766},{"text":"Thank you for the moment.","start_word":4782,"end_word":4786,"sentiment":"positive","sentiment_score":0.432397335767746},{"text":"Yeah. Yep. Yeah. Chat to James and reach out if you need to. Yes. Okay.","start_word":4787,"end_word":4801,"sentiment":"neutral","sentiment_score":0.09272539615631104},{"text":"Thanks again. Awesome. You have a fantastic weekend, and thank you so much for your time.","start_word":4802,"end_word":4817,"sentiment":"positive","sentiment_score":0.6902073621749878},{"text":"Alright.","start_word":4818,"end_word":4818,"sentiment":"neutral","sentiment_score":0.26692643761634827},{"text":"Thank you.","start_word":4819,"end_word":4820,"sentiment":"positive","sentiment_score":0.3989485204219818},{"text":"You too.","start_word":4821,"end_word":4822,"sentiment":"neutral","sentiment_score":0.24282261729240415},{"text":"Thank you.","start_word":4823,"end_word":4824,"sentiment":"positive","sentiment_score":0.3512023091316223},{"text":"Bye. Bye.","start_word":4825,"end_word":4826,"sentiment":"neutral","sentiment_score":0.16184045374393463}],"average":{"sentiment":"neutral","sentiment_score":0.12073754695264138}}}}