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Oh, it's okay. You just pushed through. Now how are you going? How's being back stateside, I guess? Yeah. Well, so what what are your I guess, what what's what's the full plan for you moving forward at the moment? No. That's okay. That's hello. So you're packing up everything in the house here in Australia? Yep. Yeah. You you you're so used to the minimalist minimalist lifestyle, but the other things around you, you realize you don't really need. Yeah. Well, no time like present to cull and downside. And I'm assuming you said everything's going into storage, so that'll decrease your overall expenses as well. Yes. Yeah. So did you did you did you you said you you said you had you had had a surgery or you're having a surgery? Get it. Go. The year. Yeah. No. I love that. No. Do for you. There's nothing wrong with that at all. Amazing. Okay. So I guess if we get down to the nuts and bolts of it, what I guess, things have sort of changed in your life and and where things are. What do we wanna do with everything? Because we haven't progressed with any of the recommendations that we've so how would you like to, I guess, look at things now with the changes that have happened? Yes. Yes. Yeah. Yeah. Yep. Yeah. Yeah. It does. It's I guess it's a it's a it's a two pronged I guess it's it's two sides of the same coin, I guess, is, yes, we can put in more now. The issue is is making sure that you obviously have the cash flow to continue living. If you put the money in now like, let's just say you do put in $20 now and double the initial investment, pulling it out, not so like, it's not as impossible but not so easy versus if we put $10 in and, say, do a regular contribution to it. So each month, you put $50 in. It means that we can stop the $50 contribution if something changes for you. So it's so it's a bond, but yeah. It's a bond. And, basically, the bond is specifically set up it's it's actually set up under your son's name, but you're basically, like, the trustee for it. The money can be withdrawn, but very, very restricted reasons for withdrawal. It basically has to be for him specifically. In ten years' time, the money is tax free upon withdrawal. Anywhere between year one and year 10, the money when withdrawn is basically treated like any kind of investment. So it's the money that comes out. The interest earned is added to your taxable income, which right now you don't have a taxable income for all intents and purposes, which wouldn't be an issue. But when you do return to work in a couple of years or so, that because your intention is to return to work 2027, 2028? Yeah. Yeah. Yeah. No. That's okay. Cool. So yeah. So it's if if you need to access the money, it has to be very specifically for Ryland. Yeah. Yes. He's the youngest. And and the money could stay invested for longer. Like, that's not an issue. We have, like, basically, a sign over date. So, like, it's an age. So you can sign the money over to him, you know, 18, sixteen, twenty five. And then, basically, that money goes over to him, and it converts from basically a child bond into they're called life builders. I call them adult bonds, which means that there's no no child childhood restrictions on them anymore. So your your name as trustee would be removed. Because real realistically, you could put more money in. So let's just say in twelve months time when you do return to work, you have leftover money, you know, that you from the assets you currently hold. You could turn around and put another 10 k in then. The only downside and the only thing that happens, which at his age, it's not an issue, is that that ten year bond time frame restocks. If you yeah. If you put a lump sum in, yes. But realistically, he's somewhere in the vicinity of two or three. He's not gonna be you're not gonna be wanting him to have the he you don't want him to have the money at thirteen. But that's supposed to be at thirteen when you go to go like, say, when he hits part like, high school because that 13 is about high school. Is he gonna go to a private school, and will you have the money to be able to fund that? Would the bond be able to step in and help him with funding private school or whatever the case might be? So it's just it's it's what is the purpose of the bond, and does restarting the ten year time frame really affect you? In the first twelve months, probably not because it's just gonna take it from ten to eleven years. But, obviously, if you get, say, five years into the bond time frame and then you wanna go and put $50,000 in, I'd turn around and say, no. Let's go and start a second bond under his name. And that's the way that I have to do as well is we can just start a second one, then they can sit next to each other and do the same thing. Yep. Okay. Cool. Alright. Well, is it it's just the bond that you're wanting to to initiate, isn't it? Yes. The life yeah. The life builder. I I cheat and call them adult builder. Yeah. They are called life builders. You can. Same rules apply, essentially. The only reason I hadn't done that or recommended for you was because we wanted to originally make sure that I was keeping cash flow available for you. If you're comfortable to put money in and lock it away, that's fine. You have an easier time accessing the money that you put into a bond under your name in a life builder than under the child builder bond. But the same rules apply. So if you were to withdraw within the ten year time frame, it basically works as any form of investment does that you would be charged tax based on the earnings from like, derived from the asset. It is a It's a ten year time frame. Yeah. Ten year. No. So an IDCS is actually an investment account. So it's held in a it's held in a personal name, not in a super so Hub twenty four is an investment platform. Yes. They have a superannuation trustee where your money could be held in a super environment, but they also have, like, an investment ownership structure as well where the ownership would be owned by you personally and would enable you to invest under their platform, but it's owned by you. So it's fully accessible at any point in time that you need to access the money. You know, we can set up income streams to make sure that you're still you'll earn like, we can set up an income stream so the money comes to you regularly and is paid to you and and goes like, yeah. Essentially, the life building is lost the most ten years. Yeah. Mhmm. Correct. With the Hub twenty four account, the fees are higher because it's a full investment menu versus your Budget Generation Life. It is actually really, really, really low fees, which is nice, but they're two very, very different products. One's an investment account. So it's it's basically an it's basically a think of it like a high interest bank account. So your money is sitting in a bank account and it's invested in the in in the market and it's earning money. It also has the risk of losing money, obviously. And that money sits over there in an account that you can't touch, but we can set up the you know, money is transferred to you, say, quarterly or half yearly or yearly to basically live on. The other the other flip side to that is that your Generation Life account, they have a very it's not it's honestly not that small. Like, they do have a decent investment menu. It's nowhere near the thousands of options that Hub twenty four has, but they have, you know, maybe somewhere between twenty and forty investment options. And, yeah, that it is really low cost, but the downside is is that it's it's ten year lock. Well, what I was gonna say is Yeah. Definitely. The the other option is is that in, say let's just say twelve months, because twelve months will be halfway through 2027, which is roughly your time frame to return to work, is we can always set up the Life Builder Bond in twelve months' time. So that way, if anything happens in the next twelve months while you're traveling, as you said, you're planning on going around Europe rather than England where you have free accommodation, so depending on your accommodation costs. I mean, if if you've got a solid budget and you know exactly what you're planning to spend over the next twelve months, then, you know, I'd be comfortable to definitely set it up now. But we also need to be conscious of relocating back to Australia, reestablishing yourself in a home here, and then what that looks like to return to work and everything like that as well. So there's just, like, those I guess, few considerations before we go and lock money away. I'm more than happy to do it. Like, I really am happy to do it. I just wanna make sure that we're jumping with two feet, not hesitating, kind of thing. Yep. Yeah. Yes. Yep. I got it. Yep. Yep. Yep. But, realistically, it would be accessible from day one as well. Well, if if you emailed me and said, hey. I need to access this money, I'd go, well I guess the the the the benefit is is that there's gonna be a lack of balance. You're gonna email me and say, hey. I need this money, and I'm gonna email back and say, are we being frivolous, or are we is it because we actually have a have a have a determined need? We set this account up for this, this, and this reason. So it's just I guess it's a bit of a check and balance. I'm not I'm not gonna say no if you turn around and say I need the money. Like, that that's I wanna be really clear. I'm not gonna say no to you. It is your money. I'm not I'm I'm not doing that. But it does it does provide a check and balance. So I have plenty of clients that exactly like you, they they they sold everything up. They're traveling, and we do something similar to this. And it is a check and balance. I email and they say, we need we need $20. I'm like, okay. Can I ask why? We go from there. Yeah. Yeah. Yeah. Yeah. Can I how much money do you have remaining now? 100 and so let's just call it a 160. Cool. Oh, okay. And if I remember correctly, twelve months I could just look at the document. It's literally sitting in front of me. But if I remember correctly, twelve months worth of your living expenses was sitting around the $50 a year mark. Okay. So you'd how much money do you wanna keep liquid for yourself for the next twelve months? Like, how much do you wanna keep in your account? Cool. And then we invest the rest. So that would be, say, 10 we could still go with $10,000 to the child's bond. We could increase it to 15 if you would like to, but let's just say $10 to the child bond, and then we can put the hunt we could put a $100 into the IDPS. No. No. The phone. Mhmm. That's an excellent question, and that's something I can figure out. Different from Honda, different everything. Yeah. Yes. Yes. Yeah. Absolutely. Yeah. Like, the the benefits of the child bond are that it's it's completely tax free. So investment yeah. Sorry. That's what I meant as well anyway. The I know. I'm not saying the right words, but the benefits of the bond are that it's tax free upon withdrawal versus the IDPS is not tax free upon withdrawal. So the investment returns but there are gonna be investment return differences, and that's purely because the menus are different, the offerings are different. I I can still model it up to compare it, but upon withdrawal, you know exactly what you're gonna get from the bond versus with the IDPS, there's the tax implications that we have to take in consideration, which I can still take into consideration when I'm modeling everything. But if realistically speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left. That 100 thousand, we like, it is a decent deposit for a house, but you are right. Over the next two or three years, that 100,000 will grow. Or even if we say 70 or 80,000 will grow into a 100 plus thousand. And the remaining, you know, 20 or 30,000, we could put into a life bond for yourself for future planning in ten year time, where, let's just say, in three years, you go do go take a mortgage out, you know, over over the seven years from, you know, during that period, you pay it out the mortgage at the maturity date of the bill of the bond, you'll have a decent lump sum that will help you knock off the mortgage. And we can kinda plan it that way where we're locking away money that helps you to knock the mortgage off at least, you know, depending on what kind of house you buy and the price and all the rest of it, but knock a decent chunk of the mortgage off in ten years' time. So seven years into the the life of the the loan. It'll put you in a lot lot better of a, yeah, of a financial state than if you were to if you were to keep the money. Yeah. No. Like, it definitely definitely definitely strategy wise works and would help you out. And the benefits are that it's tax free in ten years' time, so it's not gonna it's not gonna not implicate. Impact. Wow. It's not gonna impact your income in ten years' time when you are working. Whereas with yeah. No. I actually really like it. I I really, really like it. Like, I'll model it out, but I do really like it. Now the question is is how how much do we split between the two? I probably I anything more than $60.40 just off the top of my head without modeling it yet. I wouldn't go anything more than $60.40 60 to the IDPS 40 to the bond just because we wanna build you to have a decent deposit for a house in three years' time. Realistically, how this is this is gonna be this will be the this will be the this will be the this will be the question that will help me clarify how much I split between the two. When you do buy a house in three years, what size house are we looking at? What would be your budget? Yeah. I know. Yes. Absolutely. Okay. Yeah. That's it. Alright. So what I'll do no. You are so fine, hon. You are so fine. So what I'll do is I will model things out with an aim to have a $200,000 deposit in three years and see what that looks like as to which how how much we split where and see what that kind of lands us with. Obviously, as you said, three years is, like, the lower end of the earliest you'd look at buying a house. But, yeah, I'll I'll do that and figure that out, and then I'll come back to you with the bits and pieces. So you said you leave in two weeks' time. Okay. I will have it done within the two week time frame. Do you have a specific date you leave? Okay. Well, are you comfortable if I yeah. Are you comfortable if I get everything done, drawn up, and we chat again on the nineteenth, and I can present it to you? That's Friday, the eighth. Yeah. Absolutely. Yeah. Let's let's wait, and we can we can just we could do all the accounts at the same time because we can set up that out and the, like, the the life builder and the child bond, like, together and invest them side by side. So that way, they have the same start date, same maturity date. And it'll just make it easier for you from a mental planning point of view. Oh, I will talk to you in two weeks then. But that's okay. It was the best couple conversation I've had. I I love the we. Honestly, you you most clients actually talk in a we situation, so you are actually fine. I'm I'm pretty sure I'm pretty sure I'm the side piece to many, many relationships. Yeah. No. Alright. Well, I'll I'll go I'll talk to you in two weeks. I'll get started on everything on my side. And, yeah, if you have any questions, just let them email through. And that that's okay. Speak soon, Ainsley. 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morning, Ainsley. It's Larissa from Rickview Financial. How are you going? Yeah. Good.\n\nGood. How's that? Oh, yeah. Just a change in the season. Just a head cold.\n\nBloody thing. Yeah. Oh, it's okay. You just pushed through. Now how are you going?\n\nHow's being back stateside, I guess? Yeah. Well, so what what are your I guess, what what's what's the full plan for you moving forward at the moment? No. That's okay.\n\nThat's hello. So you're packing up everything in the house here in Australia? Yep. Yeah. You you you're so used to the minimalist minimalist lifestyle, but the other things around you, you realize you don't really need.\n\nYeah. Well, no time like present to cull and downside. And I'm assuming you said everything's going into storage, so that'll decrease your overall expenses as well. Yes. Yeah.\n\nSo did you did you did you you said you you said you had you had had a surgery or you're having a surgery? Get it. Go. The year. Yeah.\n\nNo. I love that. No. Do for you. There's nothing wrong with that at all.\n\nAmazing. Okay. So I guess if we get down to the nuts and bolts of it, what I guess, things have sort of changed in your life and and where things are. What do we wanna do with everything? Because we haven't progressed with any of the recommendations that we've so how would you like to, I guess, look at things now with the changes that have happened?\n\nYes. Yes. Yeah. Yeah. Yep.\n\nYeah. Yeah. It does. It's I guess it's a it's a it's a two pronged I guess it's it's two sides of the same coin, I guess, is, yes, we can put in more now. The issue is is making sure that you obviously have the cash flow to continue living.\n\nIf you put the money in now like, let's just say you do put in $20 now and double the initial investment, pulling it out, not so like, it's not as impossible but not so easy versus if we put $10 in and, say, do a regular contribution to it. So each month, you put $50 in. It means that we can stop the $50 contribution if something changes for you. So it's so it's a bond, but yeah. It's a bond.\n\nAnd, basically, the bond is specifically set up it's it's actually set up under your son's name, but you're basically, like, the trustee for it. The money can be withdrawn, but very, very restricted reasons for withdrawal. It basically has to be for him specifically. In ten years' time, the money is tax free upon withdrawal. Anywhere between year one and year 10, the money when withdrawn is basically treated like any kind of investment.\n\nSo it's the money that comes out. The interest earned is added to your taxable income, which right now you don't have a taxable income for all intents and purposes, which wouldn't be an issue. But when you do return to work in a couple of years or so, that because your intention is to return to work 2027, 2028? Yeah. Yeah.\n\nYeah. No. That's okay. Cool. So yeah.\n\nSo it's if if you need to access the money, it has to be very specifically for Ryland. Yeah. Yes. He's the youngest. And and the money could stay invested for longer.\n\nLike, that's not an issue. We have, like, basically, a sign over date. So, like, it's an age. So you can sign the money over to him, you know, 18, sixteen, twenty five. And then, basically, that money goes over to him, and it converts from basically a child bond into they're called life builders.\n\nI call them adult bonds, which means that there's no no child childhood restrictions on them anymore. So your your name as trustee would be removed. Because real realistically, you could put more money in. So let's just say in twelve months time when you do return to work, you have leftover money, you know, that you from the assets you currently hold. You could turn around and put another 10 k in then.\n\nThe only downside and the only thing that happens, which at his age, it's not an issue, is that that ten year bond time frame restocks. If you yeah. If you put a lump sum in, yes. But realistically, he's somewhere in the vicinity of two or three. He's not gonna be you're not gonna be wanting him to have the he you don't want him to have the money at thirteen.\n\nBut that's supposed to be at thirteen when you go to go like, say, when he hits part like, high school because that 13 is about high school. Is he gonna go to a private school, and will you have the money to be able to fund that? Would the bond be able to step in and help him with funding private school or whatever the case might be? So it's just it's it's what is the purpose of the bond, and does restarting the ten year time frame really affect you? In the first twelve months, probably not because it's just gonna take it from ten to eleven years.\n\nBut, obviously, if you get, say, five years into the bond time frame and then you wanna go and put $50,000 in, I'd turn around and say, no. Let's go and start a second bond under his name. And that's the way that I have to do as well is we can just start a second one, then they can sit next to each other and do the same thing. Yep. Okay.\n\nCool. Alright. Well, is it it's just the bond that you're wanting to to initiate, isn't it? Yes. The life yeah.\n\nThe life builder. I I cheat and call them adult builder. Yeah. They are called life builders. You can.\n\nSame rules apply, essentially. The only reason I hadn't done that or recommended for you was because we wanted to originally make sure that I was keeping cash flow available for you. If you're comfortable to put money in and lock it away, that's fine. You have an easier time accessing the money that you put into a bond under your name in a life builder than under the child builder bond. But the same rules apply.\n\nSo if you were to withdraw within the ten year time frame, it basically works as any form of investment does that you would be charged tax based on the earnings from like, derived from the asset. It is a It's a ten year time frame. Yeah. Ten year. No.\n\nSo an IDCS is actually an investment account. So it's held in a it's held in a personal name, not in a super so Hub twenty four is an investment platform. Yes. They have a superannuation trustee where your money could be held in a super environment, but they also have, like, an investment ownership structure as well where the ownership would be owned by you personally and would enable you to invest under their platform, but it's owned by you. So it's fully accessible at any point in time that you need to access the money.\n\nYou know, we can set up income streams to make sure that you're still you'll earn like, we can set up an income stream so the money comes to you regularly and is paid to you and and goes like, yeah. Essentially, the life building is lost the most ten years. Yeah. Mhmm. Correct.\n\nWith the Hub twenty four account, the fees are higher because it's a full investment menu versus your Budget Generation Life. It is actually really, really, really low fees, which is nice, but they're two very, very different products. One's an investment account. So it's it's basically an it's basically a think of it like a high interest bank account. So your money is sitting in a bank account and it's invested in the in in the market and it's earning money.\n\nIt also has the risk of losing money, obviously. And that money sits over there in an account that you can't touch, but we can set up the you know, money is transferred to you, say, quarterly or half yearly or yearly to basically live on. The other the other flip side to that is that your Generation Life account, they have a very it's not it's honestly not that small. Like, they do have a decent investment menu. It's nowhere near the thousands of options that Hub twenty four has, but they have, you know, maybe somewhere between twenty and forty investment options.\n\nAnd, yeah, that it is really low cost, but the downside is is that it's it's ten year lock. Well, what I was gonna say is Yeah. Definitely. The the other option is is that in, say let's just say twelve months, because twelve months will be halfway through 2027, which is roughly your time frame to return to work, is we can always set up the Life Builder Bond in twelve months' time. So that way, if anything happens in the next twelve months while you're traveling, as you said, you're planning on going around Europe rather than England where you have free accommodation, so depending on your accommodation costs.\n\nI mean, if if you've got a solid budget and you know exactly what you're planning to spend over the next twelve months, then, you know, I'd be comfortable to definitely set it up now. But we also need to be conscious of relocating back to Australia, reestablishing yourself in a home here, and then what that looks like to return to work and everything like that as well. So there's just, like, those I guess, few considerations before we go and lock money away. I'm more than happy to do it. Like, I really am happy to do it.\n\nI just wanna make sure that we're jumping with two feet, not hesitating, kind of thing. Yep. Yeah. Yes. Yep.\n\nI got it. Yep. Yep. Yep. But, realistically, it would be accessible from day one as well.\n\nWell, if if you emailed me and said, hey. I need to access this money, I'd go, well I guess the the the the benefit is is that there's gonna be a lack of balance. You're gonna email me and say, hey. I need this money, and I'm gonna email back and say, are we being frivolous, or are we is it because we actually have a have a have a determined need? We set this account up for this, this, and this reason.\n\nSo it's just I guess it's a bit of a check and balance. I'm not I'm not gonna say no if you turn around and say I need the money. Like, that that's I wanna be really clear. I'm not gonna say no to you. It is your money.\n\nI'm not I'm I'm not doing that. But it does it does provide a check and balance. So I have plenty of clients that exactly like you, they they they sold everything up. They're traveling, and we do something similar to this. And it is a check and balance.\n\nI email and they say, we need we need $20. I'm like, okay. Can I ask why? We go from there. Yeah.\n\nYeah. Yeah. Yeah. Can I how much money do you have remaining now? 100 and so let's just call it a 160.\n\nCool. Oh, okay. And if I remember correctly, twelve months I could just look at the document. It's literally sitting in front of me. But if I remember correctly, twelve months worth of your living expenses was sitting around the $50 a year mark.\n\nOkay. So you'd how much money do you wanna keep liquid for yourself for the next twelve months? Like, how much do you wanna keep in your account? Cool. And then we invest the rest.\n\nSo that would be, say, 10 we could still go with $10,000 to the child's bond. We could increase it to 15 if you would like to, but let's just say $10 to the child bond, and then we can put the hunt we could put a $100 into the IDPS. No. No. The phone.\n\nMhmm. That's an excellent question, and that's something I can figure out. Different from Honda, different everything. Yeah. Yes.\n\nYes. Yeah. Absolutely. Yeah. Like, the the benefits of the child bond are that it's it's completely tax free.\n\nSo investment yeah. Sorry. That's what I meant as well anyway. The I know. I'm not saying the right words, but the benefits of the bond are that it's tax free upon withdrawal versus the IDPS is not tax free upon withdrawal.\n\nSo the investment returns but there are gonna be investment return differences, and that's purely because the menus are different, the offerings are different. I I can still model it up to compare it, but upon withdrawal, you know exactly what you're gonna get from the bond versus with the IDPS, there's the tax implications that we have to take in consideration, which I can still take into consideration when I'm modeling everything. But if realistically speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left. That 100 thousand, we like, it is a decent deposit for a house, but you are right. Over the next two or three years, that 100,000 will grow.\n\nOr even if we say 70 or 80,000 will grow into a 100 plus thousand. And the remaining, you know, 20 or 30,000, we could put into a life bond for yourself for future planning in ten year time, where, let's just say, in three years, you go do go take a mortgage out, you know, over over the seven years from, you know, during that period, you pay it out the mortgage at the maturity date of the bill of the bond, you'll have a decent lump sum that will help you knock off the mortgage. And we can kinda plan it that way where we're locking away money that helps you to knock the mortgage off at least, you know, depending on what kind of house you buy and the price and all the rest of it, but knock a decent chunk of the mortgage off in ten years' time. So seven years into the the life of the the loan. It'll put you in a lot lot better of a, yeah, of a financial state than if you were to if you were to keep the money.\n\nYeah. No. Like, it definitely definitely definitely strategy wise works and would help you out. And the benefits are that it's tax free in ten years' time, so it's not gonna it's not gonna not implicate. Impact.\n\nWow. It's not gonna impact your income in ten years' time when you are working. Whereas with yeah. No. I actually really like it.\n\nI I really, really like it. Like, I'll model it out, but I do really like it. Now the question is is how how much do we split between the two? I probably I anything more than $60.40 just off the top of my head without modeling it yet. I wouldn't go anything more than $60.40 60 to the IDPS 40 to the bond just because we wanna build you to have a decent deposit for a house in three years' time.\n\nRealistically, how this is this is gonna be this will be the this will be the this will be the this will be the question that will help me clarify how much I split between the two. When you do buy a house in three years, what size house are we looking at? What would be your budget? Yeah. I know.\n\nYes. Absolutely. Okay. Yeah. That's it.\n\nAlright. So what I'll do no. You are so fine, hon. You are so fine. So what I'll do is I will model things out with an aim to have a $200,000 deposit in three years and see what that looks like as to which how how much we split where and see what that kind of lands us with.\n\nObviously, as you said, three years is, like, the lower end of the earliest you'd look at buying a house. But, yeah, I'll I'll do that and figure that out, and then I'll come back to you with the bits and pieces. So you said you leave in two weeks' time. Okay. I will have it done within the two week time frame.\n\nDo you have a specific date you leave? Okay. Well, are you comfortable if I yeah. Are you comfortable if I get everything done, drawn up, and we chat again on the nineteenth, and I can present it to you? That's Friday, the eighth.\n\nYeah. Absolutely. Yeah. Let's let's wait, and we can we can just we could do all the accounts at the same time because we can set up that out and the, like, the the life builder and the child bond, like, together and invest them side by side. So that way, they have the same start date, same maturity date.\n\nAnd it'll just make it easier for you from a mental planning point of view. Oh, I will talk to you in two weeks then. But that's okay. It was the best couple conversation I've had. I I love the we.\n\nHonestly, you you most clients actually talk in a we situation, so you are actually fine. I'm I'm pretty sure I'm pretty sure I'm the side piece to many, many relationships. Yeah. No. Alright.\n\nWell, I'll I'll go I'll talk to you in two weeks. I'll get started on everything on my side. And, yeah, if you have any questions, just let them email through. And that that's okay. Speak soon, Ainsley.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Ainsley.","start":2.48,"end":3.6999998,"sentiment":"positive","sentiment_score":0.3561352988084157},{"text":"It's Larissa from Rickview Financial.","start":3.76,"end":5.44,"sentiment":"neutral","sentiment_score":0.28268101811408997},{"text":"How are you going?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.2779064401984215},{"text":"Yeah.","start":8.559999,"end":8.96,"sentiment":"neutral","sentiment_score":0.14682811498641968},{"text":"Good.","start":8.96,"end":9.44,"sentiment":"neutral","sentiment_score":0.28809553384780884}],"sentiment":"neutral","sentiment_score":0.28774002833025797,"num_words":14,"start":2.48,"end":9.44},{"sentences":[{"text":"Good.","start":9.44,"end":9.94,"sentiment":"neutral","sentiment_score":0.17931559681892395},{"text":"How's that?","start":10.639999,"end":11.46,"sentiment":"neutral","sentiment_score":-0.026963260490447283},{"text":"Oh, yeah.","start":12.495,"end":13.455,"sentiment":"neutral","sentiment_score":-0.15428532660007477},{"text":"Just a change in the season.","start":13.455,"end":14.915,"sentiment":"neutral","sentiment_score":-0.17485673477252325},{"text":"Just a head cold.","start":15.215,"end":16.435001,"sentiment":"neutral","sentiment_score":-0.23046476021409035}],"sentiment":"neutral","sentiment_score":-0.14361206845690808,"num_words":15,"start":9.44,"end":16.435001},{"sentences":[{"text":"Bloody thing.","start":17.055,"end":18.035,"sentiment":"neutral","sentiment_score":-0.20481199026107788},{"text":"Yeah.","start":21.215,"end":21.615,"sentiment":"neutral","sentiment_score":-0.012002427130937576},{"text":"Oh, it's okay.","start":21.615,"end":22.335,"sentiment":"neutral","sentiment_score":0.052397275964419045},{"text":"You just pushed through.","start":22.335,"end":23.555,"sentiment":"neutral","sentiment_score":0.09642532281577587},{"text":"Now how are you going?","start":25.72,"end":26.52,"sentiment":"neutral","sentiment_score":0.10012959986925125}],"sentiment":"neutral","sentiment_score":0.04146098072330157,"num_words":15,"start":17.055,"end":26.52},{"sentences":[{"text":"How's being back stateside, I guess?","start":26.52,"end":29.9,"sentiment":"neutral","sentiment_score":0.034017095963160195},{"text":"Yeah.","start":59.03,"end":59.53,"sentiment":"neutral","sentiment_score":0.01183524914085865},{"text":"Well, so what what are your I guess, what what's what's the full plan for you moving forward at the moment?","start":60.149998,"end":65.465,"sentiment":"neutral","sentiment_score":0.02772921079858428},{"text":"No.","start":107.25,"end":107.65,"sentiment":"neutral","sentiment_score":-0.04924797639250755},{"text":"That's okay.","start":107.65,"end":108.47,"sentiment":"neutral","sentiment_score":0.04468518774956465}],"sentiment":"neutral","sentiment_score":0.02704431131602295,"num_words":31,"start":26.52,"end":108.47},{"sentences":[{"text":"That's hello.","start":109.16,"end":109.99,"sentiment":"neutral","sentiment_score":0.10652247071266174},{"text":"So you're packing up everything in the house here in Australia?","start":129.36,"end":132.18,"sentiment":"neutral","sentiment_score":0.029399801553650337},{"text":"Yep.","start":183.435,"end":183.935,"sentiment":"neutral","sentiment_score":-0.030989110469818115},{"text":"Yeah.","start":184.315,"end":184.815,"sentiment":"neutral","sentiment_score":-0.023189781233668327},{"text":"You you you're so used to the minimalist minimalist lifestyle, but the other things around you, you realize you don't really need.","start":185.355,"end":192.97499,"sentiment":"neutral","sentiment_score":-0.044829936190084976}],"sentiment":"neutral","sentiment_score":-0.013621479172158885,"num_words":37,"start":109.16,"end":192.97499},{"sentences":[{"text":"Yeah.","start":208.50499,"end":209.00499,"sentiment":"neutral","sentiment_score":-0.1241431087255478},{"text":"Well, no time like present to cull and downside.","start":210.185,"end":213.72499,"sentiment":"neutral","sentiment_score":-0.22220494349797568},{"text":"And I'm assuming you said everything's going into storage, so that'll decrease your overall expenses as well.","start":217.94499,"end":223.49,"sentiment":"neutral","sentiment_score":0.11337954507154577},{"text":"Yes.","start":248.93,"end":249.43,"sentiment":"neutral","sentiment_score":-0.021733008325099945},{"text":"Yeah.","start":268.465,"end":268.965,"sentiment":"neutral","sentiment_score":0.04355628043413162}],"sentiment":"neutral","sentiment_score":-0.006024553858000657,"num_words":29,"start":208.50499,"end":268.965},{"sentences":[{"text":"So did you did you did you you said you you said you had you had had a surgery or you're having a surgery?","start":269.505,"end":281.84,"sentiment":"neutral","sentiment_score":0.006407507792270432},{"text":"Get it.","start":299.61002,"end":300.01,"sentiment":"neutral","sentiment_score":0.031722307205200195},{"text":"Go.","start":300.01,"end":300.51,"sentiment":"neutral","sentiment_score":0.02886098250746727},{"text":"The year.","start":335.33502,"end":335.915,"sentiment":"neutral","sentiment_score":-0.054701611399650574},{"text":"Yeah.","start":336.21503,"end":336.71503,"sentiment":"neutral","sentiment_score":-0.0016740066930651665}],"sentiment":"neutral","sentiment_score":0.004500285147999724,"num_words":30,"start":269.505,"end":336.71503},{"sentences":[{"text":"No.","start":371.06,"end":371.56,"sentiment":"neutral","sentiment_score":0.16527584195137024},{"text":"I love that.","start":371.62,"end":372.5,"sentiment":"positive","sentiment_score":0.3337290982405345},{"text":"No.","start":372.5,"end":372.98,"sentiment":"neutral","sentiment_score":0.1479608118534088},{"text":"Do for you.","start":372.98,"end":373.54,"sentiment":"positive","sentiment_score":0.34519971410433453},{"text":"There's nothing wrong with that at all.","start":373.54,"end":375.32,"sentiment":"positive","sentiment_score":0.4398891159466335}],"sentiment":"positive","sentiment_score":0.36194979349772133,"num_words":15,"start":371.06,"end":375.32},{"sentences":[{"text":"Amazing.","start":377.78,"end":378.28,"sentiment":"positive","sentiment_score":0.6495538949966431},{"text":"Okay.","start":378.34,"end":378.74,"sentiment":"neutral","sentiment_score":0.27059969305992126},{"text":"So I guess if we get down to the nuts and bolts of it, what I guess, things have sort of changed in your life and and where things are.","start":378.74,"end":386.605,"sentiment":"neutral","sentiment_score":0.12765913556019465},{"text":"What do we wanna do with everything?","start":387.145,"end":389.705,"sentiment":"neutral","sentiment_score":0.0483748458458909},{"text":"Because we haven't progressed with any of the recommendations that we've so how would you like to, I guess, look at things now with the changes that have happened?","start":389.705,"end":404.43997,"sentiment":"neutral","sentiment_score":-0.015539099333872056}],"sentiment":"neutral","sentiment_score":0.06820467198678457,"num_words":68,"start":377.78,"end":404.43997},{"sentences":[{"text":"Yes.","start":416.035,"end":416.535,"sentiment":"neutral","sentiment_score":-0.06555383652448654},{"text":"Yes.","start":417.555,"end":418.055,"sentiment":"neutral","sentiment_score":0.05318354815244675},{"text":"Yeah.","start":431.09003,"end":431.59003,"sentiment":"neutral","sentiment_score":0.1279033720493317},{"text":"Yeah.","start":435.745,"end":436.245,"sentiment":"neutral","sentiment_score":0.1062273383140564},{"text":"Yep.","start":443.665,"end":444.165,"sentiment":"neutral","sentiment_score":0.2977442741394043}],"sentiment":"neutral","sentiment_score":0.10390093922615051,"num_words":5,"start":416.035,"end":444.165},{"sentences":[{"text":"Yeah.","start":500.78,"end":501.02002,"sentiment":"neutral","sentiment_score":0.1217995509505272},{"text":"Yeah.","start":501.02002,"end":501.34,"sentiment":"neutral","sentiment_score":0.20064446330070496},{"text":"It does.","start":501.34,"end":502.0,"sentiment":"neutral","sentiment_score":0.23237495869398117},{"text":"It's I guess it's a it's a it's a two pronged I guess it's it's two sides of the same coin, I guess, is, yes, we can put in more now.","start":503.34,"end":513.22504,"sentiment":"neutral","sentiment_score":0.12126267412977834},{"text":"The issue is is making sure that you obviously have the cash flow to continue living.","start":513.60504,"end":518.265,"sentiment":"neutral","sentiment_score":-0.05641698371618986}],"sentiment":"neutral","sentiment_score":0.07144441353339775,"num_words":51,"start":500.78,"end":518.265},{"sentences":[{"text":"If you put the money in now like, let's just say you do put in $20 now and double the initial investment, pulling it out, not so like, it's not as impossible but not so easy versus if we put $10 in and, say, do a regular contribution to it.","start":520.04004,"end":538.97504,"sentiment":"neutral","sentiment_score":0.0390970866382122},{"text":"So each month, you put $50 in.","start":539.195,"end":541.775,"sentiment":"neutral","sentiment_score":0.0851332037044423},{"text":"It means that we can stop the $50 contribution if something changes for you.","start":542.715,"end":548.64,"sentiment":"neutral","sentiment_score":0.0675309571836676},{"text":"So it's so it's a bond, but yeah.","start":564.705,"end":567.585,"sentiment":"neutral","sentiment_score":0.0485899371560663},{"text":"It's a bond.","start":567.585,"end":568.385,"sentiment":"neutral","sentiment_score":0.10719850659370422}],"sentiment":"neutral","sentiment_score":0.05129920945661824,"num_words":82,"start":520.04004,"end":568.385},{"sentences":[{"text":"And, basically, the bond is specifically set up it's it's actually set up under your son's name, but you're basically, like, the trustee for it.","start":568.385,"end":579.32,"sentiment":"neutral","sentiment_score":0.1084503124654293},{"text":"The money can be withdrawn, but very, very restricted reasons for withdrawal.","start":580.74,"end":586.76,"sentiment":"neutral","sentiment_score":-0.006944266458352406},{"text":"It basically has to be for him specifically.","start":586.9,"end":588.84,"sentiment":"neutral","sentiment_score":0.08732287026941776},{"text":"In ten years' time, the money is tax free upon withdrawal.","start":590.375,"end":594.715,"sentiment":"neutral","sentiment_score":0.08738470483909953},{"text":"Anywhere between year one and year 10, the money when withdrawn is basically treated like any kind of investment.","start":595.41504,"end":602.715,"sentiment":"neutral","sentiment_score":0.030159825165020793}],"sentiment":"neutral","sentiment_score":0.06481037343541782,"num_words":75,"start":568.385,"end":602.715},{"sentences":[{"text":"So it's the money that comes out.","start":602.775,"end":605.275,"sentiment":"neutral","sentiment_score":0.13432646596005984},{"text":"The interest earned is added to your taxable income, which right now you don't have a taxable income for all intents and purposes, which wouldn't be an issue.","start":607.07,"end":615.47,"sentiment":"neutral","sentiment_score":0.06981854978948832},{"text":"But when you do return to work in a couple of years or so, that because your intention is to return to work 2027, 2028?","start":615.47,"end":624.625,"sentiment":"neutral","sentiment_score":0.030236584544181825},{"text":"Yeah.","start":648.555,"end":649.055,"sentiment":"neutral","sentiment_score":0.11786538362503052},{"text":"Yeah.","start":655.52997,"end":656.02997,"sentiment":"neutral","sentiment_score":0.043589815497398376}],"sentiment":"neutral","sentiment_score":0.06149313658956559,"num_words":62,"start":602.775,"end":656.02997},{"sentences":[{"text":"Yeah.","start":660.73,"end":661.20996,"sentiment":"neutral","sentiment_score":0.08121832460165024},{"text":"No.","start":661.20996,"end":661.37,"sentiment":"neutral","sentiment_score":-0.04288409650325775},{"text":"That's okay.","start":661.37,"end":661.93,"sentiment":"neutral","sentiment_score":0.14113864302635193},{"text":"Cool.","start":661.93,"end":662.43,"sentiment":"positive","sentiment_score":0.48085975646972656},{"text":"So yeah.","start":664.64996,"end":665.20996,"sentiment":"neutral","sentiment_score":0.1517430767416954}],"sentiment":"neutral","sentiment_score":0.15785106058631623,"num_words":7,"start":660.73,"end":665.20996},{"sentences":[{"text":"So it's if if you need to access the money, it has to be very specifically for Ryland.","start":665.20996,"end":673.92505,"sentiment":"neutral","sentiment_score":0.006381271820929315},{"text":"Yeah.","start":682.24,"end":682.39996,"sentiment":"neutral","sentiment_score":0.13103044033050537},{"text":"Yes.","start":682.39996,"end":682.89996,"sentiment":"neutral","sentiment_score":0.12487657368183136},{"text":"He's the youngest.","start":683.76,"end":684.95996,"sentiment":"neutral","sentiment_score":0.06432944908738136},{"text":"And and the money could stay invested for longer.","start":684.95996,"end":689.19995,"sentiment":"positive","sentiment_score":0.39494046237733627}],"sentiment":"neutral","sentiment_score":0.1286944504827261,"num_words":32,"start":665.20996,"end":689.19995},{"sentences":[{"text":"Like, that's not an issue.","start":689.19995,"end":690.42,"sentiment":"positive","sentiment_score":0.33613688349723814},{"text":"We have, like, basically, a sign over date.","start":691.12,"end":693.655,"sentiment":"neutral","sentiment_score":0.24411144852638245},{"text":"So, like, it's an age.","start":694.275,"end":695.475,"sentiment":"neutral","sentiment_score":0.19100694060325624},{"text":"So you can sign the money over to him, you know, 18, sixteen, twenty five.","start":695.475,"end":700.215,"sentiment":"neutral","sentiment_score":0.19063780804475147},{"text":"And then, basically, that money goes over to him, and it converts from basically a child bond into they're called life builders.","start":701.475,"end":710.33,"sentiment":"neutral","sentiment_score":0.21597337587313217}],"sentiment":"neutral","sentiment_score":0.22181076542897657,"num_words":55,"start":689.19995,"end":710.33},{"sentences":[{"text":"I call them adult bonds, which means that there's no no child childhood restrictions on them anymore.","start":710.33,"end":715.71,"sentiment":"neutral","sentiment_score":0.12345511575832087},{"text":"So your your name as trustee would be removed.","start":716.25,"end":718.59,"sentiment":"neutral","sentiment_score":0.008122719410392974},{"text":"Because real realistically, you could put more money in.","start":730.645,"end":734.325,"sentiment":"neutral","sentiment_score":0.2946864697668288},{"text":"So let's just say in twelve months time when you do return to work, you have leftover money, you know, that you from the assets you currently hold.","start":734.325,"end":743.31,"sentiment":"neutral","sentiment_score":0.20376705484730856},{"text":"You could turn around and put another 10 k in then.","start":744.81,"end":748.43,"sentiment":"neutral","sentiment_score":0.28632543845610187}],"sentiment":"neutral","sentiment_score":0.1848523922868677,"num_words":74,"start":710.33,"end":748.43},{"sentences":[{"text":"The only downside and the only thing that happens, which at his age, it's not an issue, is that that ten year bond time frame restocks.","start":748.89,"end":757.97504,"sentiment":"neutral","sentiment_score":-0.17137654670155966},{"text":"If you yeah.","start":762.275,"end":762.755,"sentiment":"neutral","sentiment_score":-0.04085718157390753},{"text":"If you put a lump sum in, yes.","start":762.755,"end":764.53503,"sentiment":"neutral","sentiment_score":0.009858091827481985},{"text":"But realistically, he's somewhere in the vicinity of two or three.","start":766.2,"end":771.74,"sentiment":"neutral","sentiment_score":-0.025045082650401375},{"text":"He's not gonna be you're not gonna be wanting him to have the he you don't want him to have the money at thirteen.","start":774.27997,"end":778.7,"sentiment":"neutral","sentiment_score":-0.17814209141458073}],"sentiment":"neutral","sentiment_score":-0.1257000434367607,"num_words":72,"start":748.89,"end":778.7},{"sentences":[{"text":"But that's supposed to be at thirteen when you go to go like, say, when he hits part like, high school because that 13 is about high school.","start":781.735,"end":790.555,"sentiment":"neutral","sentiment_score":-0.03196020956550326},{"text":"Is he gonna go to a private school, and will you have the money to be able to fund that?","start":791.015,"end":795.15,"sentiment":"neutral","sentiment_score":0.017397268302738668},{"text":"Would the bond be able to step in and help him with funding private school or whatever the case might be?","start":795.31,"end":800.03,"sentiment":"neutral","sentiment_score":0.0872920650456633},{"text":"So it's just it's it's what is the purpose of the bond, and does restarting the ten year time frame really affect you?","start":800.03,"end":809.115,"sentiment":"neutral","sentiment_score":-0.0704476040099626},{"text":"In the first twelve months, probably not because it's just gonna take it from ten to eleven years.","start":809.115,"end":813.615,"sentiment":"neutral","sentiment_score":-0.1629353803065088}],"sentiment":"neutral","sentiment_score":-0.0296994443051517,"num_words":110,"start":781.735,"end":813.615},{"sentences":[{"text":"But, obviously, if you get, say, five years into the bond time frame and then you wanna go and put $50,000 in, I'd turn around and say, no.","start":814.075,"end":821.435,"sentiment":"neutral","sentiment_score":-0.12082245972539697},{"text":"Let's go and start a second bond under his name.","start":821.435,"end":824.015,"sentiment":"neutral","sentiment_score":-0.06188208870589733},{"text":"And that's the way that I have to do as well is we can just start a second one, then they can sit next to each other and do the same thing.","start":824.83,"end":830.77,"sentiment":"neutral","sentiment_score":0.03479303972562775},{"text":"Yep.","start":849.23,"end":849.73,"sentiment":"neutral","sentiment_score":0.12065806239843369},{"text":"Okay.","start":852.43,"end":852.93,"sentiment":"neutral","sentiment_score":0.24550235271453855}],"sentiment":"neutral","sentiment_score":-0.035032112125514284,"num_words":72,"start":814.075,"end":852.93},{"sentences":[{"text":"Cool.","start":853.14996,"end":853.64996,"sentiment":"neutral","sentiment_score":0.30367761850357056},{"text":"Alright.","start":854.26996,"end":854.75,"sentiment":"neutral","sentiment_score":0.1504536271095276},{"text":"Well, is it it's just the bond that you're wanting to to initiate, isn't it?","start":854.75,"end":860.61,"sentiment":"neutral","sentiment_score":0.06972806056340536},{"text":"Yes.","start":870.16504,"end":870.66504,"sentiment":"neutral","sentiment_score":0.10841216146945952},{"text":"The life yeah.","start":878.82,"end":879.62,"sentiment":"neutral","sentiment_score":-0.02160443738102913}],"sentiment":"neutral","sentiment_score":0.07350719063764527,"num_words":21,"start":853.14996,"end":879.62},{"sentences":[{"text":"The life builder.","start":879.62,"end":880.42,"sentiment":"neutral","sentiment_score":-0.06351551537712415},{"text":"I I cheat and call them adult builder.","start":880.42,"end":882.19995,"sentiment":"neutral","sentiment_score":-0.14642887189984322},{"text":"Yeah.","start":883.69995,"end":884.01996,"sentiment":"neutral","sentiment_score":0.03502292186021805},{"text":"They are called life builders.","start":884.01996,"end":885.16,"sentiment":"neutral","sentiment_score":0.02253533750772476},{"text":"You can.","start":885.3,"end":886.04,"sentiment":"neutral","sentiment_score":0.04903017543256283}],"sentiment":"neutral","sentiment_score":-0.05874829268769214,"num_words":19,"start":879.62,"end":886.04},{"sentences":[{"text":"Same rules apply, essentially.","start":886.42,"end":888.27997,"sentiment":"neutral","sentiment_score":0.03966896282508969},{"text":"The only reason I hadn't done that or recommended for you was because we wanted to originally make sure that I was keeping cash flow available for you.","start":889.585,"end":900.16504,"sentiment":"neutral","sentiment_score":-0.04767570684530905},{"text":"If you're comfortable to put money in and lock it away, that's fine.","start":901.7,"end":906.68,"sentiment":"neutral","sentiment_score":0.06700503826141357},{"text":"You have an easier time accessing the money that you put into a bond under your name in a life builder than under the child builder bond.","start":907.14,"end":918.695,"sentiment":"neutral","sentiment_score":0.12187273883157307},{"text":"But the same rules apply.","start":920.35504,"end":921.395,"sentiment":"neutral","sentiment_score":0.017301418632268906}],"sentiment":"neutral","sentiment_score":0.03989470907329739,"num_words":77,"start":886.42,"end":921.395},{"sentences":[{"text":"So if you were to withdraw within the ten year time frame, it basically works as any form of investment does that you would be charged tax based on the earnings from like, derived from the asset.","start":921.395,"end":936.98004,"sentiment":"neutral","sentiment_score":0.03226838864990183},{"text":"It is a It's a ten year time frame.","start":944.65497,"end":947.855,"sentiment":"neutral","sentiment_score":0.016197356809344556},{"text":"Yeah.","start":947.855,"end":948.255,"sentiment":"neutral","sentiment_score":0.04054730385541916},{"text":"Ten year.","start":948.255,"end":948.995,"sentiment":"neutral","sentiment_score":0.04751459136605263},{"text":"No.","start":971.805,"end":972.045,"sentiment":"neutral","sentiment_score":-0.010094059631228449}],"sentiment":"neutral","sentiment_score":0.02930378036573529,"num_words":50,"start":921.395,"end":972.045},{"sentences":[{"text":"So an IDCS is actually an investment account.","start":972.045,"end":974.545,"sentiment":"neutral","sentiment_score":0.029405136592686176},{"text":"So it's held in a it's held in a personal name, not in a super so Hub twenty four is an investment platform.","start":974.685,"end":981.425,"sentiment":"neutral","sentiment_score":0.05648741279931172},{"text":"Yes.","start":982.01,"end":982.25,"sentiment":"neutral","sentiment_score":0.08362868428230286},{"text":"They have a superannuation trustee where your money could be held in a super environment, but they also have, like, an investment ownership structure as well where the ownership would be owned by you personally and would enable you to invest under their platform, but it's owned by you.","start":982.25,"end":1002.745,"sentiment":"neutral","sentiment_score":0.2158330558818214},{"text":"So it's fully accessible at any point in time that you need to access the money.","start":1002.745,"end":1006.525,"sentiment":"positive","sentiment_score":0.36410522647202015}],"sentiment":"neutral","sentiment_score":0.18576890343473745,"num_words":97,"start":972.045,"end":1006.525},{"sentences":[{"text":"You know, we can set up income streams to make sure that you're still you'll earn like, we can set up an income stream so the money comes to you regularly and is paid to you and and goes like, yeah.","start":1007.94995,"end":1028.805,"sentiment":"neutral","sentiment_score":0.20935109403075242},{"text":"Essentially, the life building is lost the most ten years.","start":1028.805,"end":1031.365,"sentiment":"neutral","sentiment_score":-0.31620375216007235},{"text":"Yeah.","start":1031.365,"end":1031.865,"sentiment":"neutral","sentiment_score":-0.010325182229280472},{"text":"Mhmm.","start":1037.14,"end":1037.64,"sentiment":"neutral","sentiment_score":-0.016596481204032898},{"text":"Correct.","start":1040.42,"end":1040.92,"sentiment":"neutral","sentiment_score":0.0141224917024374}],"sentiment":"neutral","sentiment_score":0.1001584844801713,"num_words":54,"start":1007.94995,"end":1040.92},{"sentences":[{"text":"With the Hub twenty four account, the fees are higher because it's a full investment menu versus your Budget Generation Life.","start":1050.375,"end":1062.48,"sentiment":"neutral","sentiment_score":-0.21094410795541035},{"text":"It is actually really, really, really low fees, which is nice, but they're two very, very different products.","start":1062.48,"end":1069.38,"sentiment":"positive","sentiment_score":0.4867710864378346},{"text":"One's an investment account.","start":1070.0,"end":1072.16,"sentiment":"neutral","sentiment_score":0.1554945558309555},{"text":"So it's it's basically an it's basically a think of it like a high interest bank account.","start":1072.16,"end":1076.985,"sentiment":"neutral","sentiment_score":0.10377589218756732},{"text":"So your money is sitting in a bank account and it's invested in the in in the market and it's earning money.","start":1078.025,"end":1084.585,"sentiment":"neutral","sentiment_score":0.08715004236860709}],"sentiment":"neutral","sentiment_score":0.10531125135901498,"num_words":82,"start":1050.375,"end":1084.585},{"sentences":[{"text":"It also has the risk of losing money, obviously.","start":1084.585,"end":1087.405,"sentiment":"negative","sentiment_score":-0.34706342551443314},{"text":"And that money sits over there in an account that you can't touch, but we can set up the you know, money is transferred to you, say, quarterly or half yearly or yearly to basically live on.","start":1089.4,"end":1101.9,"sentiment":"neutral","sentiment_score":0.07748409038459933},{"text":"The other the other flip side to that is that your Generation Life account, they have a very it's not it's honestly not that small.","start":1103.5851,"end":1111.985,"sentiment":"neutral","sentiment_score":0.1418027624487877},{"text":"Like, they do have a decent investment menu.","start":1111.985,"end":1114.165,"sentiment":"positive","sentiment_score":0.41513409465551376},{"text":"It's nowhere near the thousands of options that Hub twenty four has, but they have, you know, maybe somewhere between twenty and forty investment options.","start":1115.36,"end":1125.9401,"sentiment":"neutral","sentiment_score":0.17813216030597687}],"sentiment":"neutral","sentiment_score":0.10637294558378366,"num_words":104,"start":1084.585,"end":1125.9401},{"sentences":[{"text":"And, yeah, that it is really low cost, but the downside is is that it's it's ten year lock.","start":1128.48,"end":1136.485,"sentiment":"neutral","sentiment_score":0.052110047324707635},{"text":"Well, what I was gonna say is Yeah.","start":1145.2001,"end":1153.695,"sentiment":"neutral","sentiment_score":0.2378231417387724},{"text":"Definitely.","start":1163.695,"end":1164.195,"sentiment":"positive","sentiment_score":0.34979376196861267},{"text":"The the other option is is that in, say let's just say twelve months, because twelve months will be halfway through 2027, which is roughly your time frame to return to work, is we can always set up the Life Builder Bond in twelve months' time.","start":1164.495,"end":1179.22,"sentiment":"neutral","sentiment_score":0.21570865259222363},{"text":"So that way, if anything happens in the next twelve months while you're traveling, as you said, you're planning on going around Europe rather than England where you have free accommodation, so depending on your accommodation costs.","start":1180.72,"end":1194.9451,"sentiment":"neutral","sentiment_score":0.20582122093922384}],"sentiment":"neutral","sentiment_score":0.1872112881895658,"num_words":111,"start":1128.48,"end":1194.9451},{"sentences":[{"text":"I mean, if if you've got a solid budget and you know exactly what you're planning to spend over the next twelve months, then, you know, I'd be comfortable to definitely set it up now.","start":1195.36,"end":1203.94,"sentiment":"positive","sentiment_score":0.368180832692555},{"text":"But we also need to be conscious of relocating back to Australia, reestablishing yourself in a home here, and then what that looks like to return to work and everything like that as well.","start":1205.2799,"end":1216.875,"sentiment":"neutral","sentiment_score":0.033274800461881304},{"text":"So there's just, like, those I guess, few considerations before we go and lock money away.","start":1222.15,"end":1226.95,"sentiment":"neutral","sentiment_score":-0.01875656726770103},{"text":"I'm more than happy to do it.","start":1226.95,"end":1227.99,"sentiment":"positive","sentiment_score":0.7617966447557721},{"text":"Like, I really am happy to do it.","start":1227.99,"end":1229.6699,"sentiment":"positive","sentiment_score":0.7820088192820549}],"sentiment":"neutral","sentiment_score":0.2530621435120702,"num_words":100,"start":1195.36,"end":1229.6699},{"sentences":[{"text":"I just wanna make sure that we're jumping with two feet, not hesitating, kind of thing.","start":1229.6699,"end":1236.1849,"sentiment":"neutral","sentiment_score":0.20628474047407508},{"text":"Yep.","start":1252.58,"end":1253.08,"sentiment":"neutral","sentiment_score":-0.0990314930677414},{"text":"Yeah.","start":1266.675,"end":1267.175,"sentiment":"neutral","sentiment_score":-0.13370515406131744},{"text":"Yes.","start":1297.94,"end":1298.44,"sentiment":"neutral","sentiment_score":0.23193788528442383},{"text":"Yep.","start":1310.995,"end":1311.495,"sentiment":"neutral","sentiment_score":0.1323193907737732}],"sentiment":"neutral","sentiment_score":0.17160382382571698,"num_words":20,"start":1229.6699,"end":1311.495},{"sentences":[{"text":"I got it.","start":1312.515,"end":1313.495,"sentiment":"neutral","sentiment_score":0.24104509254296622},{"text":"Yep.","start":1338.235,"end":1338.735,"sentiment":"neutral","sentiment_score":0.18263715505599976},{"text":"Yep.","start":1342.33,"end":1342.83,"sentiment":"neutral","sentiment_score":0.15674923360347748},{"text":"Yep.","start":1344.4099,"end":1344.9099,"sentiment":"neutral","sentiment_score":0.11062213778495789},{"text":"But, realistically, it would be accessible from day one as well.","start":1346.49,"end":1350.03,"sentiment":"neutral","sentiment_score":0.14874180135401813}],"sentiment":"neutral","sentiment_score":0.1652531540569137,"num_words":17,"start":1312.515,"end":1350.03},{"sentences":[{"text":"Well, if if you emailed me and said, hey.","start":1350.41,"end":1353.13,"sentiment":"neutral","sentiment_score":-0.02893524906701512},{"text":"I need to access this money, I'd go, well I guess the the the the benefit is is that there's gonna be a lack of balance.","start":1353.13,"end":1359.9751,"sentiment":"neutral","sentiment_score":-0.1272057403738682},{"text":"You're gonna email me and say, hey.","start":1360.1151,"end":1361.4751,"sentiment":"neutral","sentiment_score":-0.13840608511652266},{"text":"I need this money, and I'm gonna email back and say, are we being frivolous, or are we is it because we actually have a have a have a determined need?","start":1361.4751,"end":1370.81,"sentiment":"neutral","sentiment_score":-0.10620934432072024},{"text":"We set this account up for this, this, and this reason.","start":1370.81,"end":1372.91,"sentiment":"neutral","sentiment_score":0.036390304904092445}],"sentiment":"neutral","sentiment_score":-0.08843815960876998,"num_words":84,"start":1350.41,"end":1372.91},{"sentences":[{"text":"So it's just I guess it's a bit of a check and balance.","start":1374.01,"end":1376.43,"sentiment":"neutral","sentiment_score":0.12732969195796892},{"text":"I'm not I'm not gonna say no if you turn around and say I need the money.","start":1377.2101,"end":1380.73,"sentiment":"neutral","sentiment_score":-0.32316140348420425},{"text":"Like, that that's I wanna be really clear.","start":1380.73,"end":1382.17,"sentiment":"neutral","sentiment_score":-0.14852802734822035},{"text":"I'm not gonna say no to you.","start":1382.17,"end":1383.675,"sentiment":"neutral","sentiment_score":-0.26059153250285555},{"text":"It is your money.","start":1383.675,"end":1384.555,"sentiment":"neutral","sentiment_score":-0.18309961073100567}],"sentiment":"neutral","sentiment_score":-0.1547596174083194,"num_words":49,"start":1374.01,"end":1384.555},{"sentences":[{"text":"I'm not I'm I'm not doing that.","start":1384.555,"end":1386.415,"sentiment":"neutral","sentiment_score":-0.1916804505246026},{"text":"But it does it does provide a check and balance.","start":1387.115,"end":1389.115,"sentiment":"neutral","sentiment_score":0.18291695266962052},{"text":"So I have plenty of clients that exactly like you, they they they sold everything up.","start":1389.115,"end":1392.9551,"sentiment":"neutral","sentiment_score":0.2165338508784771},{"text":"They're traveling, and we do something similar to this.","start":1392.9551,"end":1397.535,"sentiment":"neutral","sentiment_score":0.10862196402417289},{"text":"And it is a check and balance.","start":1398.15,"end":1399.27,"sentiment":"neutral","sentiment_score":0.05701737052627972}],"sentiment":"neutral","sentiment_score":0.10874831136696193,"num_words":49,"start":1384.555,"end":1399.27},{"sentences":[{"text":"I email and they say, we need we need $20.","start":1399.27,"end":1401.27,"sentiment":"neutral","sentiment_score":-0.05465469788759947},{"text":"I'm like, okay.","start":1401.27,"end":1402.17,"sentiment":"neutral","sentiment_score":-0.0637882190446059},{"text":"Can I ask why?","start":1402.4701,"end":1403.6901,"sentiment":"neutral","sentiment_score":-0.11078904569149017},{"text":"We go from there.","start":1405.67,"end":1406.81,"sentiment":"neutral","sentiment_score":-0.022338160313665867},{"text":"Yeah.","start":1420.2451,"end":1420.7451,"sentiment":"neutral","sentiment_score":0.06480623036623001}],"sentiment":"neutral","sentiment_score":-0.054800646802918476,"num_words":22,"start":1399.27,"end":1420.7451},{"sentences":[{"text":"Yeah.","start":1422.4199,"end":1422.9199,"sentiment":"neutral","sentiment_score":0.11210538446903227},{"text":"Yeah.","start":1446.37,"end":1446.87,"sentiment":"neutral","sentiment_score":0.1800042986869812},{"text":"Yeah.","start":1454.13,"end":1454.63,"sentiment":"neutral","sentiment_score":0.08179117739200592},{"text":"Can I how much money do you have remaining now?","start":1455.01,"end":1458.9851,"sentiment":"neutral","sentiment_score":0.06169976070523262},{"text":"100 and so let's just call it a 160.","start":1466.645,"end":1469.125,"sentiment":"neutral","sentiment_score":0.05020820970336596}],"sentiment":"neutral","sentiment_score":0.06558056158775633,"num_words":22,"start":1422.4199,"end":1469.125},{"sentences":[{"text":"Cool.","start":1469.125,"end":1469.625,"sentiment":"neutral","sentiment_score":0.20009660720825195},{"text":"Oh, okay.","start":1472.55,"end":1473.35,"sentiment":"neutral","sentiment_score":0.10185640305280685},{"text":"And if I remember correctly, twelve months I could just look at the document.","start":1473.35,"end":1477.51,"sentiment":"neutral","sentiment_score":0.04944443276950291},{"text":"It's literally sitting in front of me.","start":1477.51,"end":1479.21,"sentiment":"neutral","sentiment_score":0.07195596024394035},{"text":"But if I remember correctly, twelve months worth of your living expenses was sitting around the $50 a year mark.","start":1480.31,"end":1490.245,"sentiment":"neutral","sentiment_score":0.031147422920912504}],"sentiment":"neutral","sentiment_score":0.0505152648230168,"num_words":44,"start":1469.125,"end":1490.245},{"sentences":[{"text":"Okay.","start":1495.105,"end":1495.605,"sentiment":"neutral","sentiment_score":0.04898785799741745},{"text":"So you'd how much money do you wanna keep liquid for yourself for the next twelve months?","start":1495.665,"end":1503.08,"sentiment":"neutral","sentiment_score":0.07189304797964938},{"text":"Like, how much do you wanna keep in your account?","start":1503.62,"end":1505.5599,"sentiment":"neutral","sentiment_score":0.051927604153752326},{"text":"Cool.","start":1509.0599,"end":1509.5599,"sentiment":"neutral","sentiment_score":0.18152493238449097},{"text":"And then we invest the rest.","start":1511.46,"end":1519.2949,"sentiment":"neutral","sentiment_score":0.1282694066564242}],"sentiment":"neutral","sentiment_score":0.07833105964320046,"num_words":35,"start":1495.105,"end":1519.2949},{"sentences":[{"text":"So that would be, say, 10 we could still go with $10,000 to the child's bond.","start":1519.2949,"end":1526.515,"sentiment":"neutral","sentiment_score":0.12000640155747533},{"text":"We could increase it to 15 if you would like to, but let's just say $10 to the child bond, and then we can put the hunt we could put a $100 into the IDPS.","start":1526.8999,"end":1535.48,"sentiment":"neutral","sentiment_score":0.09510466349976403},{"text":"No.","start":1550.115,"end":1550.2749,"sentiment":"neutral","sentiment_score":-0.10636823624372482},{"text":"No.","start":1550.2749,"end":1550.7749,"sentiment":"neutral","sentiment_score":-0.14356493949890137},{"text":"The phone.","start":1589.4349,"end":1590.095,"sentiment":"neutral","sentiment_score":-0.03716132789850235}],"sentiment":"neutral","sentiment_score":0.08953654210675846,"num_words":55,"start":1519.2949,"end":1590.095},{"sentences":[{"text":"Mhmm.","start":1597.6749,"end":1598.1749,"sentiment":"neutral","sentiment_score":-0.06482651829719543},{"text":"That's an excellent question, and that's something I can figure out.","start":1602.4099,"end":1607.07,"sentiment":"positive","sentiment_score":0.48824085938659584},{"text":"Different from Honda, different everything.","start":1614.6649,"end":1616.265,"sentiment":"neutral","sentiment_score":-0.03351284489035607},{"text":"Yeah.","start":1616.265,"end":1616.765,"sentiment":"neutral","sentiment_score":-0.006572134792804718},{"text":"Yes.","start":1637.095,"end":1637.595,"sentiment":"neutral","sentiment_score":-0.08030177652835846}],"sentiment":"neutral","sentiment_score":0.26586235785170603,"num_words":19,"start":1597.6749,"end":1637.595},{"sentences":[{"text":"Yes.","start":1651.99,"end":1652.49,"sentiment":"neutral","sentiment_score":0.04270447790622711},{"text":"Yeah.","start":1673.9401,"end":1674.26,"sentiment":"neutral","sentiment_score":0.14145728945732117},{"text":"Absolutely.","start":1674.26,"end":1674.76,"sentiment":"neutral","sentiment_score":0.24643777310848236},{"text":"Yeah.","start":1699.6499,"end":1699.97,"sentiment":"neutral","sentiment_score":0.15238268673419952},{"text":"Like, the the benefits of the child bond are that it's it's completely tax free.","start":1699.97,"end":1704.5299,"sentiment":"neutral","sentiment_score":0.275496048728625}],"sentiment":"neutral","sentiment_score":0.24818015569134763,"num_words":19,"start":1651.99,"end":1704.5299},{"sentences":[{"text":"So investment yeah.","start":1704.5299,"end":1709.745,"sentiment":"neutral","sentiment_score":-0.03292239705721537},{"text":"Sorry.","start":1709.745,"end":1710.225,"sentiment":"neutral","sentiment_score":-0.04389564320445061},{"text":"That's what I meant as well anyway.","start":1710.225,"end":1711.6849,"sentiment":"neutral","sentiment_score":0.07073179313114711},{"text":"The I know.","start":1713.505,"end":1714.625,"sentiment":"neutral","sentiment_score":-0.03144830713669459},{"text":"I'm not saying the right words, but the benefits of the bond are that it's tax free upon withdrawal versus the IDPS is not tax free upon withdrawal.","start":1714.625,"end":1723.0449,"sentiment":"neutral","sentiment_score":0.006631417998245784}],"sentiment":"neutral","sentiment_score":0.010566535716255506,"num_words":42,"start":1704.5299,"end":1723.0449},{"sentences":[{"text":"So the investment returns but there are gonna be investment return differences, and that's purely because the menus are different, the offerings are different.","start":1724.22,"end":1733.6,"sentiment":"neutral","sentiment_score":-0.06151144222045938},{"text":"I I can still model it up to compare it, but upon withdrawal, you know exactly what you're gonna get from the bond versus with the IDPS, there's the tax implications that we have to take in consideration, which I can still take into consideration when I'm modeling everything.","start":1734.14,"end":1748.865,"sentiment":"neutral","sentiment_score":0.03131600108225735},{"text":"But if realistically speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left.","start":1750.74,"end":1765.48,"sentiment":"neutral","sentiment_score":0.0901159466459201},{"text":"That 100 thousand, we like, it is a decent deposit for a house, but you are right.","start":1765.7051,"end":1775.145,"sentiment":"neutral","sentiment_score":0.32671162135460796},{"text":"Over the next two or three years, that 100,000 will grow.","start":1775.145,"end":1778.6051,"sentiment":"neutral","sentiment_score":0.3059614517472007}],"sentiment":"neutral","sentiment_score":0.08923146350841438,"num_words":140,"start":1724.22,"end":1778.6051},{"sentences":[{"text":"Or even if we say 70 or 80,000 will grow into a 100 plus thousand.","start":1778.8099,"end":1785.47,"sentiment":"neutral","sentiment_score":0.26047046184539796},{"text":"And the remaining, you know, 20 or 30,000, we could put into a life bond for yourself for future planning in ten year time, where, let's just say, in three years, you go do go take a mortgage out, you know, over over the seven years from, you know, during that period, you pay it out the mortgage at the maturity date of the bill of the bond, you'll have a decent lump sum that will help you knock off the mortgage.","start":1787.0499,"end":1823.225,"sentiment":"neutral","sentiment_score":0.21509158874793752},{"text":"And we can kinda plan it that way where we're locking away money that helps you to knock the mortgage off at least, you know, depending on what kind of house you buy and the price and all the rest of it, but knock a decent chunk of the mortgage off in ten years' time.","start":1825.525,"end":1841.4299,"sentiment":"neutral","sentiment_score":0.09389628822153265},{"text":"So seven years into the the life of the the loan.","start":1841.8099,"end":1845.19,"sentiment":"neutral","sentiment_score":0.05988875505599109},{"text":"It'll put you in a lot lot better of a, yeah, of a financial state than if you were to if you were to keep the money.","start":1849.095,"end":1856.0549,"sentiment":"neutral","sentiment_score":0.14868875206620605}],"sentiment":"neutral","sentiment_score":0.16516966141368214,"num_words":190,"start":1778.8099,"end":1856.0549},{"sentences":[{"text":"Yeah.","start":1856.0549,"end":1856.2949,"sentiment":"positive","sentiment_score":0.33447524905204773},{"text":"No.","start":1856.2949,"end":1856.5349,"sentiment":"neutral","sentiment_score":0.19569635391235352},{"text":"Like, it definitely definitely definitely strategy wise works and would help you out.","start":1856.5349,"end":1861.63,"sentiment":"positive","sentiment_score":0.5959476438852457},{"text":"And the benefits are that it's tax free in ten years' time, so it's not gonna it's not gonna not implicate.","start":1862.09,"end":1869.95,"sentiment":"positive","sentiment_score":0.3504957776694071},{"text":"Impact.","start":1872.25,"end":1872.75,"sentiment":"neutral","sentiment_score":0.07011321187019348}],"sentiment":"positive","sentiment_score":0.4245409599027118,"num_words":37,"start":1856.0549,"end":1872.75},{"sentences":[{"text":"Wow.","start":1872.97,"end":1873.425,"sentiment":"neutral","sentiment_score":0.13456517457962036},{"text":"It's not gonna impact your income in ten years' time when you are working.","start":1873.665,"end":1878.805,"sentiment":"neutral","sentiment_score":-0.008508211267845971},{"text":"Whereas with yeah.","start":1880.545,"end":1882.865,"sentiment":"neutral","sentiment_score":-0.013528221597274145},{"text":"No.","start":1882.865,"end":1883.025,"sentiment":"neutral","sentiment_score":-0.04254329204559326},{"text":"I actually really like it.","start":1883.025,"end":1884.2251,"sentiment":"positive","sentiment_score":0.4370894908905029}],"sentiment":"neutral","sentiment_score":0.08824040476853649,"num_words":24,"start":1872.97,"end":1884.2251},{"sentences":[{"text":"I I really, really like it.","start":1884.2251,"end":1885.505,"sentiment":"positive","sentiment_score":0.6739001572132111},{"text":"Like, I'll model it out, but I do really like it.","start":1885.505,"end":1889.6799,"sentiment":"positive","sentiment_score":0.4668528735637665},{"text":"Now the question is is how how much do we split between the two?","start":1889.6799,"end":1893.46,"sentiment":"neutral","sentiment_score":-0.024985389251794134},{"text":"I probably I anything more than $60.40 just off the top of my head without modeling it yet.","start":1894.32,"end":1904.805,"sentiment":"neutral","sentiment_score":-0.11301351690457927},{"text":"I wouldn't go anything more than $60.40 60 to the IDPS 40 to the bond just because we wanna build you to have a decent deposit for a house in three years' time.","start":1905.3451,"end":1921.71,"sentiment":"neutral","sentiment_score":0.01759290418615847}],"sentiment":"neutral","sentiment_score":0.08994280044898027,"num_words":82,"start":1884.2251,"end":1921.71},{"sentences":[{"text":"Realistically, how this is this is gonna be this will be the this will be the this will be the this will be the question that will help me clarify how much I split between the two.","start":1926.185,"end":1935.885,"sentiment":"neutral","sentiment_score":-0.009316738191488627},{"text":"When you do buy a house in three years, what size house are we looking at?","start":1936.8251,"end":1941.005,"sentiment":"neutral","sentiment_score":-0.035845035687088966},{"text":"What would be your budget?","start":1943.25,"end":1944.47,"sentiment":"neutral","sentiment_score":-0.06602075919508935},{"text":"Yeah.","start":1950.0499,"end":1950.2899,"sentiment":"neutral","sentiment_score":-0.18597212433815},{"text":"I know.","start":1950.2899,"end":1951.0399,"sentiment":"neutral","sentiment_score":-0.159414641559124}],"sentiment":"neutral","sentiment_score":-0.028740083401808975,"num_words":61,"start":1926.185,"end":1951.0399},{"sentences":[{"text":"Yes.","start":2035.705,"end":2036.205,"sentiment":"neutral","sentiment_score":-0.005586840212345123},{"text":"Absolutely.","start":2068.52,"end":2069.02,"sentiment":"neutral","sentiment_score":-0.03791181743144989},{"text":"Okay.","start":2090.35,"end":2090.75,"sentiment":"neutral","sentiment_score":0.029548753052949905},{"text":"Yeah.","start":2090.75,"end":2090.9102,"sentiment":"neutral","sentiment_score":0.02180047519505024},{"text":"That's it.","start":2090.9102,"end":2091.6301,"sentiment":"neutral","sentiment_score":-0.01368927862495184}],"sentiment":"neutral","sentiment_score":-0.003254664440949758,"num_words":6,"start":2035.705,"end":2091.6301},{"sentences":[{"text":"Alright.","start":2091.6301,"end":2092.1301,"sentiment":"neutral","sentiment_score":-0.0012730968883261085},{"text":"So what I'll do no.","start":2092.75,"end":2095.55,"sentiment":"neutral","sentiment_score":-0.12179958522319793},{"text":"You are so fine, hon.","start":2095.55,"end":2096.6702,"sentiment":"neutral","sentiment_score":0.10652222633361816},{"text":"You are so fine.","start":2096.6702,"end":2097.6501,"sentiment":"neutral","sentiment_score":0.20949431601911783},{"text":"So what I'll do is I will model things out with an aim to have a $200,000 deposit in three years and see what that looks like as to which how how much we split where and see what that kind of lands us with.","start":2099.155,"end":2120.43,"sentiment":"neutral","sentiment_score":0.07496619054840671}],"sentiment":"neutral","sentiment_score":0.06889659912364247,"num_words":60,"start":2091.6301,"end":2120.43},{"sentences":[{"text":"Obviously, as you said, three years is, like, the lower end of the earliest you'd look at buying a house.","start":2120.81,"end":2126.43,"sentiment":"neutral","sentiment_score":0.08913134690374136},{"text":"But, yeah, I'll I'll do that and figure that out, and then I'll come back to you with the bits and pieces.","start":2128.6748,"end":2135.315,"sentiment":"neutral","sentiment_score":0.13870332661000165},{"text":"So you said you leave in two weeks' time.","start":2135.315,"end":2137.335,"sentiment":"neutral","sentiment_score":0.03448879946437147},{"text":"Okay.","start":2139.7148,"end":2140.2148,"sentiment":"neutral","sentiment_score":0.13175572454929352},{"text":"I will have it done within the two week time frame.","start":2140.58,"end":2142.82,"sentiment":"neutral","sentiment_score":0.14142077416181564}],"sentiment":"neutral","sentiment_score":0.10844259617465829,"num_words":63,"start":2120.81,"end":2142.82},{"sentences":[{"text":"Do you have a specific date you leave?","start":2142.82,"end":2144.44,"sentiment":"neutral","sentiment_score":0.049719286849722266},{"text":"Okay.","start":2165.25,"end":2165.6501,"sentiment":"neutral","sentiment_score":0.008386874571442604},{"text":"Well, are you comfortable if I yeah.","start":2165.6501,"end":2170.29,"sentiment":"neutral","sentiment_score":-0.005533903038927487},{"text":"Are you comfortable if I get everything done, drawn up, and we chat again on the nineteenth, and I can present it to you?","start":2170.29,"end":2178.1501,"sentiment":"neutral","sentiment_score":0.05895634709546963},{"text":"That's Friday, the eighth.","start":2180.525,"end":2181.9048,"sentiment":"neutral","sentiment_score":0.023325930815190077}],"sentiment":"neutral","sentiment_score":0.04262863412838091,"num_words":44,"start":2142.82,"end":2181.9048},{"sentences":[{"text":"Yeah.","start":2183.805,"end":2184.305,"sentiment":"neutral","sentiment_score":0.23825828731060028},{"text":"Absolutely.","start":2184.365,"end":2184.865,"sentiment":"positive","sentiment_score":0.3617062568664551},{"text":"Yeah.","start":2223.37,"end":2223.77,"sentiment":"neutral","sentiment_score":0.1504034399986267},{"text":"Let's let's wait, and we can we can just we could do all the accounts at the same time because we can set up that out and the, like, the the life builder and the child bond, like, together and invest them side by side.","start":2223.77,"end":2237.2349,"sentiment":"positive","sentiment_score":0.36256159444650016},{"text":"So that way, they have the same start date, same maturity date.","start":2237.2349,"end":2239.655,"sentiment":"positive","sentiment_score":0.39368359992901486}],"sentiment":"positive","sentiment_score":0.36316404889027276,"num_words":60,"start":2183.805,"end":2239.655},{"sentences":[{"text":"And it'll just make it easier for you from a mental planning point of view.","start":2240.515,"end":2246.12,"sentiment":"positive","sentiment_score":0.42361901998519896},{"text":"Oh, I will talk to you in two weeks then.","start":2254.34,"end":2257.0,"sentiment":"neutral","sentiment_score":0.2764441132545471},{"text":"But that's okay.","start":2263.955,"end":2264.7551,"sentiment":"positive","sentiment_score":0.3719853262106578},{"text":"It was the best couple conversation I've had.","start":2264.7551,"end":2267.175,"sentiment":"positive","sentiment_score":0.7047598510980606},{"text":"I I love the we.","start":2270.5298,"end":2271.5698,"sentiment":"positive","sentiment_score":0.5212260186672211}],"sentiment":"positive","sentiment_score":0.4507046661725858,"num_words":41,"start":2240.515,"end":2271.5698},{"sentences":[{"text":"Honestly, you you most clients actually talk in a we situation, so you are actually fine.","start":2271.5698,"end":2276.7898,"sentiment":"positive","sentiment_score":0.4815814755856991},{"text":"I'm I'm pretty sure I'm pretty sure I'm the side piece to many, many relationships.","start":2277.89,"end":2281.8298,"sentiment":"positive","sentiment_score":0.5486859579881033},{"text":"Yeah.","start":2290.375,"end":2290.5352,"sentiment":"neutral","sentiment_score":0.049697764217853546},{"text":"No.","start":2290.5352,"end":2290.935,"sentiment":"neutral","sentiment_score":-0.021921055391430855},{"text":"Alright.","start":2290.935,"end":2291.2551,"sentiment":"neutral","sentiment_score":0.10021062940359116}],"sentiment":"positive","sentiment_score":0.4724582446300808,"num_words":34,"start":2271.5698,"end":2291.2551},{"sentences":[{"text":"Well, I'll I'll go I'll talk to you in two weeks.","start":2291.2551,"end":2293.2551,"sentiment":"neutral","sentiment_score":0.18283335119485855},{"text":"I'll get started on everything on my side.","start":2293.2551,"end":2295.195,"sentiment":"positive","sentiment_score":0.3867771551012993},{"text":"And, yeah, if you have any questions, just let them email through.","start":2295.335,"end":2298.0752,"sentiment":"neutral","sentiment_score":0.24358994389573732},{"text":"And that that's okay.","start":2301.47,"end":2302.75,"sentiment":"positive","sentiment_score":0.4084605425596237},{"text":"Speak soon, Ainsley.","start":2302.75,"end":2303.81,"sentiment":"neutral","sentiment_score":0.2858048429091771}],"sentiment":"neutral","sentiment_score":0.2768347402544398,"num_words":38,"start":2291.2551,"end":2303.81},{"sentences":[{"text":"Bye.","start":2306.03,"end":2306.53,"sentiment":"neutral","sentiment_score":-0.06769367307424545}],"sentiment":"neutral","sentiment_score":-0.06769367307424545,"num_words":1,"start":2306.03,"end":2306.53}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Are you sorry? You have a cold. Oh, hopefully, it goes away quickly. Good. Weird. It's so I don't know. Just such a change of pace at the moment. So, I mean, we're just pretty much packing up the house, and then we're gonna head back to Europe in, I think, about two weeks. So, yeah, it's nice to be home, but also because, obviously, we have to pack everything up. It's no longer home either. So well, it's it's still a bit quite loose at the moment. My landlord's where I maintained my house for overseas. They've got family that need the house, so we came home to kinda pack up and reassess everything, and I decided that we're not gonna travel around Australia quite yet because there's still more things in Europe I wanna do before we're all kinda get to school age or preschool age. So I think we're gonna we're we're going back to to London and then back into Europe for another six months at this stage, and that's as far as I've kinda thought about it. Yeah. Yeah. So it it's great. It's it's it's really nice. I mean, coming home early to put a bit of a spanner in the works, but it's just part of the way it is. But that's also you know, it kinda helped refine on our way. There's still things that we're doing in Europe, so we're staying a little bit longer. So yeah. But yes. Yeah. Just they need the house, so we just obviously, every a lot of things he's grown out of now because he was a baby when we left, and now he's almost older than a toddler. So getting rid of few things and showing off of a few things and then putting everything else in storage until we come back and go from there, really. So yeah. Yeah. It's very cathartic being being back and kinda going through everything. And it's a thing living out of the suitcase for so long and having, like, three outfits on repeat. I come back and I'm just like, oh my god. Why do I have so much shit in my house? Like, do I really need 64 cups? Yeah. Yeah. Absolutely. Yeah. It's been a bit of a it's probably the biggest kind of shock for coming back. I didn't realize how how much I'd be overwhelmed with the things that we accumulate and yeah. So yeah. That's right. Yes. It it will. It will because I won't be paying rent, but then it like, oh, I mean, I've already I've already spending the money, but we're spending more time in Europe rather than in England where I had a base where I wasn't paying for accommodation. So the accommodation hotels and all that kind of stuff, that's gonna increase a little bit more. So yeah. And we spend a bit more I had a surgery and a few other things to get addressed. So I spent more prior to coming back than I expected to. So it's yeah. I was like, oh, this is a good time to reevaluate financially everything. Both, actually. So in, like, two days, I'm going in and having a surgery, and I had a surgery in January as well. They're cosmetic surgery. So I had I had a face lift in Thailand in January, and I'm having a arm lift in, like, two days, which I previously had, but this is just a revision. Because I think over the last two years, I've lost, like, 55 kilos. So I'm quite small now, but I have and and, obviously, with post baby skin stretching and things like that, I have a bit of, like, excess skin and bits and pieces and yeah. So I was like, well, I have a bit of financial freedom to do it. I'm going to do you know, the little things that bother me. Yeah. Yeah. That's it. So yeah. So I don't know. My sister was like because she's had a lot of surgeries as well. She's got a bit of weight too. And she she went and had, like, a tummy tuck and I thought I left. And she went all the whole work. So I'm like, I don't need to go that far. But it's just my my arms pretty much get that corrected. And then I'll be more comfortable and, you know, in hot weather and things like that. So yeah. A little bit for me, and and then I can live the best life for Lauren as well. Thank you. Yeah. Well, I guess the price so I sent through a form, but, obviously, there was a few different changes and only, I think, weary actions with super and the insurance is being on hold. And then the next kind of priority for me was for setting up Ryland for the future. So the child building builder bond that we're going to go with what was recommended, I wanted to go ahead with that. But my questions pretty much were, you recommended $10,000, and I'm like, that's great. Comfortable with that. However, while I do have the money now, should I actually put in a little bit more given that when I was reading through the, I guess, terms and conditions, it was saying that in the future years excuse me. In the future years when I'm putting in more money on a regular basis, that I can go up to a 125% of the initial investment. So I it's pretty much maximizing what I can put in there in the future should I be able to. So should I be putting in a little bit more than the 10,000 in initial investment, so closer to 15 or 20,000, to be able to maximize what I can put in later. Does that make sense? Mhmm. Mhmm. Mhmm. Yeah. Of course. And we yeah. Sorry. Because I is it this is one thing I was in some get is is it a ten it was a ten year investment and then I get three invested. Should I choose? Was that right? Mhmm. Mhmm. Mhmm. Yep. It will loosely, yes. It will be 2027. Depending if I feel comfortable, like, just balancing the logistics of things. Ideally, it will be I'd like to be able to stay home until around and go to kindergarten, which will be either '28 or '29. But financially, I think, yeah, it will be probably '20 somewhere in '27. It's probably mid twenty seven. I'll probably realistically go back to work. Yeah. Okay. Alright. So if if if it's, like, it's huge money already. Yeah. Okay. Alright. But yeah. Yeah. Mhmm. Oh, okay. Oh, okay. Yep. Alright. That makes sense. Yep. Okay. Alright. So then in that case, you're probably right. 10,000 is a good safe bet. Every time I put more in? Or oh, okay. Yeah. Alright. No. Okay. Yeah. Alright. I understand. Yep. Yeah. Uh-huh. Mhmm. Oh, okay. Oh, okay. Alright. Oh, that's good. I didn't I mean, that makes sense. I don't know why I thought I couldn't do that. Yep. Okay. Alright. Okay. Then that sounds good. Thank you for clarifying that. I think then in that case, we'll go we'll still go ahead with, like, the the $10,000 for the that. Yeah. Yep. Okay. Then I sir, I did have so I was looking on the the particular provider. I think it was generational life that does the child bond. And I is it beneficial for me to have a bond in my name under the generational life builder? Yep. Mhmm. Yeah. Mhmm. Mhmm. Okay. Yep. That's and and it has to be a ten year term as well for it to be tax free from withdrawal? Okay. Alright. But then so just with consideration, you're putting a recommendation for a RDPS account with hub twenty four. Is that Sub24 is the super. So if I was to put that into the super, I wouldn't be able to touch it anyway until oh. Mhmm. Okay. Where, where's the life builder? It's locked away. So it gives so the okay. Alright. So one gives me more flexibility to utilize, and the other one locks it away. Is the return on one or the other better, like, with consideration of fees and all that kind of stuff? Mhmm. Mhmm. Okay. Lots. Okay. Would it be beneficial to kind of have both? Just one secures the money for for a longer term. So then it's like future planning long term planning. Whereas they have 24, as you said, it gives them the flexibility, ability to have income from it, that kinda stuff. So is it worth putting having the two accounts? Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. I mean, at the end of the day, my concern is, like, I've spent more money than I originally planned at this point in time. I mean, obviously, I had surgeries and things like that that came up after I spoke to you last time, which is really the reason why I spent more money. But because it's sitting there, I'm like, oh, I've got the money. I can spend it. It's fine. And that's not a financially sound reason, really. And then it's also, well, if you're sitting in the bank account, it's not working for me. So if I don't do something with it, even if it's, you know, realistically, even if it's small and I put it in an account that I don't look at and don't touch, it's not visibly available to me. Whereas if it's now, just seeing an account that I access every day, I'm like, I feel like a rich bitch. I can be like, oh, it's fine. We're gonna go out for lunch every day to eat pasta at home. So mentally, I'm being privileged with money when I really should be doing something with it. So even if it's just hiding it from my everyday god underneath. Is that right? Yes. Yeah. So it's if I was to put it into not a a generational life bond and lock it forever, but if I still put it, you know, some of it into I have 24 investment accounts, it will be working for me but still accessible in twelve to eighteen to two years when I will be like, oh, yep. Now I wanna buy a house or something like that. Yep. Okay. Alright. Yeah. Oh, that's nice. Yes. That's really good. Yeah. Yeah. Yeah. That I mean, that's nice to have a bit of a sounding board so you stop and actually think about something which, to be honest with it's like you're my student partner financially because, like, you're the person that goes, really? Are you sure? It's he, but are you sure? Yep. Okay. I like that. That's good. I think I need that. Okay. So, well, in in that case, I think there's not there's not a negative in my mind in putting some money into a HUB24 IDSL investment account or whatever it's called. Because it's better than just sitting in my account with, like, minimal interest. Yep. Okay. Alright. Pretty much, it's sitting at a 164, 62,000 or something like that. Yeah. Yep. Yes. Yeah. Probably 50,000. Yes. But then backtracking sorry. A little bit. Should should we put some I just said we like we're a couple. That's so weird. Sorry. Should I should I put, like, some into that the long term bond as well? So kind of put have the IDPS and the long term bond. So some, like, you know, some of it's accessible. Like, we what it is gonna be weird. If I were to put both into, say, split it between the IDPS and the the other one, and say I I I wouldn't touch either of them for ten years, which would come out financially better. Like, is yeah. Because it I mean, I know that they're different services. Yeah. But it's like it's like it's hard to compare apples to apples, but at the end of the day, like, if I've I have enough cash here at the moment that I can lock it some of it away. Like, there's nothing foreseeable where I'm gonna be like, shit. I need to pull out the 160,000 I have and spend it right now. And even, like, realistically, I'm not even in a position to be buying a house right now because I'm not working, and I won't until at least twelve months after I start work. So when I look at it, that's, like, three years on track. So it's not like I need to undo what's locked away, but it's also future proofing. Like, if it's locked if it is locked away, although it's my money, it's not my money to use right now. And then in my mind, I won't rely on it. Does that make sense? Yeah. It yeah. So just wanted to be work work out. Is it is it is it worth splitting it between those two different types accounts even if it's, like, a eighty twenty split? What's gonna be better than just locking all of it? Not locking it all of the way, but putting it all in the IDPS. Oh, no. No. Sorry. Not not not for the child bond. The generational life one. Oh, okay. Go ahead. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Mhmm. Probably oh, well, it's really hard to tell because Mark is disgusting at the moment. I can tell you the type of house I want, but financially how much it is, I don't know because I don't this is the challenge is that I I'm in Canberra at the moment. Market well, I'm in Canberra region at the moment. The market here is equivalent to Sydney and Melbourne. It's just unrealistic. So I probably depending on what job I end up getting, if it's back onto the income or more that I was prior to having my son, then I would be comfortable, you know, 800, $900,000. But if I then return back to work part time or a much lower level, I probably may not ever be able to afford to have a house if I stay in this area. And I think this is what I've gotta decide in the next probably six to twelve months is, like, where do I where do we end up? Because I if I and I'm sorry. I'm just thinking out loud, but to give you some of my thinking process. If I if, you know, I say in Canberra, the the sooner I'll have to go back to work, but the higher the income I could potentially have. Whereas if I move to, like, I don't know, Newcastle, housing's cheaper, but the income won't be as high either. So, yeah, I mean, I think that's probably my difficulty. Probably why I'm just continuing to go back to Europe as well is because so you're sort of big. I don't know where I wanna be. And, yeah, I mean, that's why I wouldn't be in a position to buy a house for a long time because I just, you know, don't know if I wanna settle in Canberra long term. And I I don't really feel like I wanna buy a house for three years and then sell it and buy another house kinda thing. Like god. Sorry. I'm just my head is just processing it at the moment, but I would say comfortably on my total income, if I was to go back into the range that I was at previously, then anywhere between 600 and 800,000, I would be comfortable with, I think. Yeah. Sorry. Took me a while to get there. Mhmm. Mhmm. Yep. Okay. Yep. Yep. No. I haven't brought to the flight as of yet. So why why why say two weeks? It could be longer. It just it just depends on how long it takes me to finish packing up and a bit of recovery from surgery and things like that. So two weeks is the goal. It could be longer. But, I mean, when I say what I'm talking about, I do extra weeks. Let me just yep. Yep. That sounds good. Yep. Yep. Cool. Excellent. And I've already given I've already signed the paperwork for the child born. I mean, we can wait, obviously, until we got everything looked at, but because I already signed it, I'm good with the child born being commenced. Because it worth like, you know, you probably don't have time anyway, but I was like, I'm happy for that to proceed now rather than wait until everything else is is decided. But it's only two weeks. It doesn't really matter. Yep. Okay. Yeah. Yeah. That's that's that makes sense. Yeah. That's good. Excellent. Alright. Sounds wonderful. Wonderful. Appreciate your help and letting me use you as a sounding board. Oh, great. Okay. Well, I mean, at least it's a positive event, and everyone seems to be on board with it. Sorry. Wonderful. Thank you so much. Appreciate it. 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Good. Thanks. How are you? Are you sorry?\n\nYou have a cold. Oh, hopefully, it goes away quickly. Good. Weird. It's so I don't know.\n\nJust such a change of pace at the moment. So, I mean, we're just pretty much packing up the house, and then we're gonna head back to Europe in, I think, about two weeks. So, yeah, it's nice to be home, but also because, obviously, we have to pack everything up. It's no longer home either. So well, it's it's still a bit quite loose at the moment.\n\nMy landlord's where I maintained my house for overseas. They've got family that need the house, so we came home to kinda pack up and reassess everything, and I decided that we're not gonna travel around Australia quite yet because there's still more things in Europe I wanna do before we're all kinda get to school age or preschool age. So I think we're gonna we're we're going back to to London and then back into Europe for another six months at this stage, and that's as far as I've kinda thought about it. Yeah. Yeah.\n\nSo it it's great. It's it's it's really nice. I mean, coming home early to put a bit of a spanner in the works, but it's just part of the way it is. But that's also you know, it kinda helped refine on our way. There's still things that we're doing in Europe, so we're staying a little bit longer.\n\nSo yeah. But yes. Yeah. Just they need the house, so we just obviously, every a lot of things he's grown out of now because he was a baby when we left, and now he's almost older than a toddler. So getting rid of few things and showing off of a few things and then putting everything else in storage until we come back and go from there, really.\n\nSo yeah. Yeah. It's very cathartic being being back and kinda going through everything. And it's a thing living out of the suitcase for so long and having, like, three outfits on repeat. I come back and I'm just like, oh my god.\n\nWhy do I have so much shit in my house? Like, do I really need 64 cups? Yeah. Yeah. Absolutely.\n\nYeah. It's been a bit of a it's probably the biggest kind of shock for coming back. I didn't realize how how much I'd be overwhelmed with the things that we accumulate and yeah. So yeah. That's right.\n\nYes. It it will. It will because I won't be paying rent, but then it like, oh, I mean, I've already I've already spending the money, but we're spending more time in Europe rather than in England where I had a base where I wasn't paying for accommodation. So the accommodation hotels and all that kind of stuff, that's gonna increase a little bit more. So yeah.\n\nAnd we spend a bit more I had a surgery and a few other things to get addressed. So I spent more prior to coming back than I expected to. So it's yeah. I was like, oh, this is a good time to reevaluate financially everything. Both, actually.\n\nSo in, like, two days, I'm going in and having a surgery, and I had a surgery in January as well. They're cosmetic surgery. So I had I had a face lift in Thailand in January, and I'm having a arm lift in, like, two days, which I previously had, but this is just a revision. Because I think over the last two years, I've lost, like, 55 kilos. So I'm quite small now, but I have and and, obviously, with post baby skin stretching and things like that, I have a bit of, like, excess skin and bits and pieces and yeah.\n\nSo I was like, well, I have a bit of financial freedom to do it. I'm going to do you know, the little things that bother me. Yeah. Yeah. That's it.\n\nSo yeah. So I don't know. My sister was like because she's had a lot of surgeries as well. She's got a bit of weight too. And she she went and had, like, a tummy tuck and I thought I left.\n\nAnd she went all the whole work. So I'm like, I don't need to go that far. But it's just my my arms pretty much get that corrected. And then I'll be more comfortable and, you know, in hot weather and things like that. So yeah.\n\nA little bit for me, and and then I can live the best life for Lauren as well. Thank you. Yeah. Well, I guess the price so I sent through a form, but, obviously, there was a few different changes and only, I think, weary actions with super and the insurance is being on hold. And then the next kind of priority for me was for setting up Ryland for the future.\n\nSo the child building builder bond that we're going to go with what was recommended, I wanted to go ahead with that. But my questions pretty much were, you recommended $10,000, and I'm like, that's great. Comfortable with that. However, while I do have the money now, should I actually put in a little bit more given that when I was reading through the, I guess, terms and conditions, it was saying that in the future years excuse me. In the future years when I'm putting in more money on a regular basis, that I can go up to a 125% of the initial investment.\n\nSo I it's pretty much maximizing what I can put in there in the future should I be able to. So should I be putting in a little bit more than the 10,000 in initial investment, so closer to 15 or 20,000, to be able to maximize what I can put in later. Does that make sense? Mhmm. Mhmm.\n\nMhmm. Yeah. Of course. And we yeah. Sorry.\n\nBecause I is it this is one thing I was in some get is is it a ten it was a ten year investment and then I get three invested. Should I choose? Was that right? Mhmm. Mhmm.\n\nMhmm. Yep. It will loosely, yes. It will be 2027. Depending if I feel comfortable, like, just balancing the logistics of things.\n\nIdeally, it will be I'd like to be able to stay home until around and go to kindergarten, which will be either '28 or '29. But financially, I think, yeah, it will be probably '20 somewhere in '27. It's probably mid twenty seven. I'll probably realistically go back to work. Yeah.\n\nOkay. Alright. So if if if it's, like, it's huge money already. Yeah. Okay.\n\nAlright. But yeah. Yeah. Mhmm. Oh, okay.\n\nOh, okay. Yep. Alright. That makes sense. Yep.\n\nOkay. Alright. So then in that case, you're probably right. 10,000 is a good safe bet. Every time I put more in?\n\nOr oh, okay. Yeah. Alright. No. Okay.\n\nYeah. Alright. I understand. Yep. Yeah.\n\nUh-huh. Mhmm. Oh, okay. Oh, okay. Alright.\n\nOh, that's good. I didn't I mean, that makes sense. I don't know why I thought I couldn't do that. Yep. Okay.\n\nAlright. Okay. Then that sounds good. Thank you for clarifying that. I think then in that case, we'll go we'll still go ahead with, like, the the $10,000 for the that.\n\nYeah. Yep. Okay. Then I sir, I did have so I was looking on the the particular provider. I think it was generational life that does the child bond.\n\nAnd I is it beneficial for me to have a bond in my name under the generational life builder? Yep. Mhmm. Yeah. Mhmm.\n\nMhmm. Okay. Yep. That's and and it has to be a ten year term as well for it to be tax free from withdrawal? Okay.\n\nAlright. But then so just with consideration, you're putting a recommendation for a RDPS account with hub twenty four. Is that Sub24 is the super. So if I was to put that into the super, I wouldn't be able to touch it anyway until oh. Mhmm.\n\nOkay. Where, where's the life builder? It's locked away. So it gives so the okay. Alright.\n\nSo one gives me more flexibility to utilize, and the other one locks it away. Is the return on one or the other better, like, with consideration of fees and all that kind of stuff? Mhmm. Mhmm. Okay.\n\nLots. Okay. Would it be beneficial to kind of have both? Just one secures the money for for a longer term. So then it's like future planning long term planning.\n\nWhereas they have 24, as you said, it gives them the flexibility, ability to have income from it, that kinda stuff. So is it worth putting having the two accounts? Mhmm. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. I mean, at the end of the day, my concern is, like, I've spent more money than I originally planned at this point in time. I mean, obviously, I had surgeries and things like that that came up after I spoke to you last time, which is really the reason why I spent more money. But because it's sitting there, I'm like, oh, I've got the money. I can spend it.\n\nIt's fine. And that's not a financially sound reason, really. And then it's also, well, if you're sitting in the bank account, it's not working for me. So if I don't do something with it, even if it's, you know, realistically, even if it's small and I put it in an account that I don't look at and don't touch, it's not visibly available to me. Whereas if it's now, just seeing an account that I access every day, I'm like, I feel like a rich bitch.\n\nI can be like, oh, it's fine. We're gonna go out for lunch every day to eat pasta at home. So mentally, I'm being privileged with money when I really should be doing something with it. So even if it's just hiding it from my everyday god underneath. Is that right?\n\nYes. Yeah. So it's if I was to put it into not a a generational life bond and lock it forever, but if I still put it, you know, some of it into I have 24 investment accounts, it will be working for me but still accessible in twelve to eighteen to two years when I will be like, oh, yep. Now I wanna buy a house or something like that. Yep.\n\nOkay. Alright. Yeah. Oh, that's nice. Yes.\n\nThat's really good. Yeah. Yeah. Yeah. That I mean, that's nice to have a bit of a sounding board so you stop and actually think about something which, to be honest with it's like you're my student partner financially because, like, you're the person that goes, really?\n\nAre you sure? It's he, but are you sure? Yep. Okay. I like that.\n\nThat's good. I think I need that. Okay. So, well, in in that case, I think there's not there's not a negative in my mind in putting some money into a HUB24 IDSL investment account or whatever it's called. Because it's better than just sitting in my account with, like, minimal interest.\n\nYep. Okay. Alright. Pretty much, it's sitting at a 164, 62,000 or something like that. Yeah.\n\nYep. Yes. Yeah. Probably 50,000. Yes.\n\nBut then backtracking sorry. A little bit. Should should we put some I just said we like we're a couple. That's so weird. Sorry.\n\nShould I should I put, like, some into that the long term bond as well? So kind of put have the IDPS and the long term bond. So some, like, you know, some of it's accessible. Like, we what it is gonna be weird. If I were to put both into, say, split it between the IDPS and the the other one, and say I I I wouldn't touch either of them for ten years, which would come out financially better.\n\nLike, is yeah. Because it I mean, I know that they're different services. Yeah. But it's like it's like it's hard to compare apples to apples, but at the end of the day, like, if I've I have enough cash here at the moment that I can lock it some of it away. Like, there's nothing foreseeable where I'm gonna be like, shit.\n\nI need to pull out the 160,000 I have and spend it right now. And even, like, realistically, I'm not even in a position to be buying a house right now because I'm not working, and I won't until at least twelve months after I start work. So when I look at it, that's, like, three years on track. So it's not like I need to undo what's locked away, but it's also future proofing. Like, if it's locked if it is locked away, although it's my money, it's not my money to use right now.\n\nAnd then in my mind, I won't rely on it. Does that make sense? Yeah. It yeah. So just wanted to be work work out.\n\nIs it is it is it worth splitting it between those two different types accounts even if it's, like, a eighty twenty split? What's gonna be better than just locking all of it? Not locking it all of the way, but putting it all in the IDPS. Oh, no. No.\n\nSorry. Not not not for the child bond. The generational life one. Oh, okay. Go ahead.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Mhmm. Mhmm.\n\nMhmm. Yeah. Yeah. Mhmm. Probably oh, well, it's really hard to tell because Mark is disgusting at the moment.\n\nI can tell you the type of house I want, but financially how much it is, I don't know because I don't this is the challenge is that I I'm in Canberra at the moment. Market well, I'm in Canberra region at the moment. The market here is equivalent to Sydney and Melbourne. It's just unrealistic. So I probably depending on what job I end up getting, if it's back onto the income or more that I was prior to having my son, then I would be comfortable, you know, 800, $900,000.\n\nBut if I then return back to work part time or a much lower level, I probably may not ever be able to afford to have a house if I stay in this area. And I think this is what I've gotta decide in the next probably six to twelve months is, like, where do I where do we end up? Because I if I and I'm sorry. I'm just thinking out loud, but to give you some of my thinking process. If I if, you know, I say in Canberra, the the sooner I'll have to go back to work, but the higher the income I could potentially have.\n\nWhereas if I move to, like, I don't know, Newcastle, housing's cheaper, but the income won't be as high either. So, yeah, I mean, I think that's probably my difficulty. Probably why I'm just continuing to go back to Europe as well is because so you're sort of big. I don't know where I wanna be. And, yeah, I mean, that's why I wouldn't be in a position to buy a house for a long time because I just, you know, don't know if I wanna settle in Canberra long term.\n\nAnd I I don't really feel like I wanna buy a house for three years and then sell it and buy another house kinda thing. Like god. Sorry. I'm just my head is just processing it at the moment, but I would say comfortably on my total income, if I was to go back into the range that I was at previously, then anywhere between 600 and 800,000, I would be comfortable with, I think. Yeah.\n\nSorry. Took me a while to get there. Mhmm. Mhmm. Yep.\n\nOkay. Yep. Yep. No. I haven't brought to the flight as of yet.\n\nSo why why why say two weeks? It could be longer. It just it just depends on how long it takes me to finish packing up and a bit of recovery from surgery and things like that. So two weeks is the goal. It could be longer.\n\nBut, I mean, when I say what I'm talking about, I do extra weeks. Let me just yep. Yep. That sounds good. Yep.\n\nYep. Cool. Excellent. And I've already given I've already signed the paperwork for the child born. I mean, we can wait, obviously, until we got everything looked at, but because I already signed it, I'm good with the child born being commenced.\n\nBecause it worth like, you know, you probably don't have time anyway, but I was like, I'm happy for that to proceed now rather than wait until everything else is is decided. But it's only two weeks. It doesn't really matter. Yep. Okay.\n\nYeah. Yeah. That's that's that makes sense. Yeah. That's good.\n\nExcellent. Alright. Sounds wonderful. Wonderful. Appreciate your help and letting me use you as a sounding board.\n\nOh, great. Okay. Well, I mean, at least it's a positive event, and everyone seems to be on board with it. Sorry. Wonderful.\n\nThank you so much. Appreciate it. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.05694076418876648},{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5091310143470764},{"text":"Thanks.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.4988935589790344},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.24612079560756683},{"text":"Are you sorry?","start":10.24,"end":10.88,"sentiment":"neutral","sentiment_score":0.01744178185860316}],"sentiment":"neutral","sentiment_score":0.2061836744348208,"num_words":9,"start":0.39999998,"end":10.88},{"sentences":[{"text":"You have a cold.","start":10.88,"end":11.78,"sentiment":"neutral","sentiment_score":-0.1809806195087731},{"text":"Oh, hopefully, it goes away quickly.","start":17.345,"end":20.005,"sentiment":"neutral","sentiment_score":-0.20923283944527307},{"text":"Good.","start":31.9,"end":32.4,"sentiment":"neutral","sentiment_score":0.19960296154022217},{"text":"Weird.","start":33.739998,"end":34.239998,"sentiment":"neutral","sentiment_score":0.06362900882959366},{"text":"It's so I don't know.","start":34.699997,"end":37.52,"sentiment":"neutral","sentiment_score":-0.058395720273256305}],"sentiment":"neutral","sentiment_score":-0.11812153798254098,"num_words":17,"start":10.88,"end":37.52},{"sentences":[{"text":"Just such a change of pace at the moment.","start":37.579998,"end":39.92,"sentiment":"neutral","sentiment_score":-0.08548514089650577},{"text":"So, I mean, we're just pretty much packing up the house, and then we're gonna head back to Europe in, I think, about two weeks.","start":39.98,"end":49.445,"sentiment":"neutral","sentiment_score":-0.020684658214449883},{"text":"So, yeah, it's nice to be home, but also because, obviously, we 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age.","start":76.735,"end":92.98,"sentiment":"neutral","sentiment_score":-0.07206183306726754},{"text":"So I think we're gonna we're we're going back to to London and then back into Europe for another six months at this stage, and that's as far as I've kinda thought about it.","start":92.98,"end":104.685,"sentiment":"neutral","sentiment_score":-0.03633784951970858},{"text":"Yeah.","start":107.32,"end":107.82,"sentiment":"neutral","sentiment_score":-0.00788942538201809},{"text":"Yeah.","start":110.76,"end":111.08,"sentiment":"neutral","sentiment_score":0.24600201845169067}],"sentiment":"neutral","sentiment_score":-0.05701974172067518,"num_words":96,"start":72.33501,"end":111.08},{"sentences":[{"text":"So it it's great.","start":111.08,"end":112.200005,"sentiment":"positive","sentiment_score":0.5309126749634743},{"text":"It's it's it's really nice.","start":112.200005,"end":113.740005,"sentiment":"positive","sentiment_score":0.6350319743156433},{"text":"I mean, coming home early to put a 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so we just obviously, every a lot of things he's grown out of now because he was a baby when we left, and now he's almost older than a toddler.","start":135.1,"end":147.76,"sentiment":"neutral","sentiment_score":-0.010614907794765064},{"text":"So getting rid of few things and showing off of a few things and then putting everything else in storage until we come back and go from there, really.","start":148.86,"end":159.335,"sentiment":"neutral","sentiment_score":0.0008776276532945962}],"sentiment":"neutral","sentiment_score":-0.0019038526638262513,"num_words":69,"start":126.925,"end":159.335},{"sentences":[{"text":"So yeah.","start":159.395,"end":160.46501,"sentiment":"neutral","sentiment_score":0.0766730010509491},{"text":"Yeah.","start":162.72,"end":163.22,"sentiment":"neutral","sentiment_score":0.19554343819618225},{"text":"It's very cathartic being being back and kinda going through everything.","start":163.6,"end":166.96,"sentiment":"positive","sentiment_score":0.5075877444310621},{"text":"And it's a thing living out of the suitcase for so long and having, like, three outfits on repeat.","start":166.96,"end":174.82,"sentiment":"neutral","sentiment_score":0.037016908785230236},{"text":"I come back and I'm just like, oh my god.","start":175.41501,"end":177.095,"sentiment":"neutral","sentiment_score":-0.2309644788503647}],"sentiment":"neutral","sentiment_score":0.10060537459198819,"num_words":43,"start":159.395,"end":177.095},{"sentences":[{"text":"Why do I have so much shit in my house?","start":177.095,"end":179.115,"sentiment":"negative","sentiment_score":-0.3600752592086792},{"text":"Like, do I really need 64 cups?","start":179.735,"end":181.995,"sentiment":"neutral","sentiment_score":-0.22006469326359884},{"text":"Yeah.","start":193.17,"end":193.65,"sentiment":"neutral","sentiment_score":-0.002645319327712059},{"text":"Yeah.","start":193.65,"end":194.05,"sentiment":"neutral","sentiment_score":0.008126683533191681},{"text":"Absolutely.","start":194.05,"end":194.55,"sentiment":"neutral","sentiment_score":0.02043239027261734}],"sentiment":"neutral","sentiment_score":-0.25576458452269435,"num_words":20,"start":177.095,"end":194.55},{"sentences":[{"text":"Yeah.","start":194.84999,"end":195.09,"sentiment":"neutral","sentiment_score":-0.07324047386646271},{"text":"It's been a bit of a it's probably the biggest kind of shock for coming back.","start":195.09,"end":201.255,"sentiment":"negative","sentiment_score":-0.3844741238281131},{"text":"I didn't realize how how much I'd be overwhelmed with the things that we accumulate and yeah.","start":201.255,"end":207.27501,"sentiment":"negative","sentiment_score":-0.4588482590282665},{"text":"So yeah.","start":207.49501,"end":209.91501,"sentiment":"neutral","sentiment_score":-0.13791753351688385},{"text":"That's right.","start":214.40001,"end":215.22,"sentiment":"neutral","sentiment_score":0.014585261233150959}],"sentiment":"negative","sentiment_score":-0.3755766158727439,"num_words":38,"start":194.84999,"end":215.22},{"sentences":[{"text":"Yes.","start":215.28,"end":215.78,"sentiment":"neutral","sentiment_score":0.08989552408456802},{"text":"It it will.","start":224.8,"end":225.70001,"sentiment":"neutral","sentiment_score":0.11801174779733022},{"text":"It will because I won't be paying rent, but then it like, oh, I mean, I've already I've already spending the money, but we're spending more time in Europe rather than in England where I had a base where I wasn't paying for accommodation.","start":228.63501,"end":239.455,"sentiment":"neutral","sentiment_score":-0.09954214942726222},{"text":"So the accommodation hotels and all that kind of stuff, that's gonna increase a little bit more.","start":239.755,"end":246.29,"sentiment":"neutral","sentiment_score":-0.2919046913876253},{"text":"So yeah.","start":247.06999,"end":248.53,"sentiment":"neutral","sentiment_score":-0.06922217831015587}],"sentiment":"neutral","sentiment_score":-0.1348768345900436,"num_words":67,"start":215.28,"end":248.53},{"sentences":[{"text":"And we spend a bit more I had a surgery and a few other things to get addressed.","start":249.62999,"end":255.575,"sentiment":"neutral","sentiment_score":-0.10364285504652394},{"text":"So I spent more prior to coming back than I expected to.","start":256.275,"end":260.675,"sentiment":"neutral","sentiment_score":-0.09461500806113084},{"text":"So it's yeah.","start":260.675,"end":262.51498,"sentiment":"neutral","sentiment_score":-0.01147839737435182},{"text":"I was like, oh, this is a good time to reevaluate financially everything.","start":262.51498,"end":266.615,"sentiment":"neutral","sentiment_score":0.20071659982204437},{"text":"Both, actually.","start":283.72498,"end":284.44498,"sentiment":"neutral","sentiment_score":0.012515493668615818}],"sentiment":"neutral","sentiment_score":-0.008354997805630168,"num_words":48,"start":249.62999,"end":284.44498},{"sentences":[{"text":"So in, like, two days, I'm going in and having a surgery, and I had a surgery in January as well.","start":284.44498,"end":291.985,"sentiment":"neutral","sentiment_score":0.017782111253057207},{"text":"They're cosmetic surgery.","start":293.00497,"end":294.38498,"sentiment":"neutral","sentiment_score":0.013121168750027815},{"text":"So I had I had a face lift in Thailand in January, and I'm having a arm lift in, like, two days, which I previously had, but this 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me.","start":330.38,"end":334.64,"sentiment":"neutral","sentiment_score":-0.07575166795868427},{"text":"Yeah.","start":336.14,"end":336.64,"sentiment":"neutral","sentiment_score":-0.008351624943315983},{"text":"Yeah.","start":336.86002,"end":337.18,"sentiment":"neutral","sentiment_score":0.0035952050238847733},{"text":"That's it.","start":337.18,"end":337.74,"sentiment":"neutral","sentiment_score":-0.0032401150092482567}],"sentiment":"neutral","sentiment_score":0.03172283876507032,"num_words":31,"start":326.305,"end":337.74},{"sentences":[{"text":"So yeah.","start":337.74,"end":339.66,"sentiment":"neutral","sentiment_score":-0.000586995854973793},{"text":"So I don't know.","start":339.66,"end":341.175,"sentiment":"neutral","sentiment_score":-0.027658398263156414},{"text":"My sister was like because she's had a lot of surgeries as well.","start":341.57498,"end":343.97498,"sentiment":"neutral","sentiment_score":-0.027647581667854235},{"text":"She's got a bit of weight 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hold.","start":405.135,"end":416.7,"sentiment":"neutral","sentiment_score":-0.1153569865204832},{"text":"And then the next kind of priority for me was for setting up Ryland for the future.","start":417.64,"end":422.78,"sentiment":"neutral","sentiment_score":0.20752717379261465}],"sentiment":"neutral","sentiment_score":0.12940877246566945,"num_words":72,"start":364.44998,"end":422.78},{"sentences":[{"text":"So the child building builder bond that we're going to go with what was recommended, I wanted to go ahead with that.","start":424.36002,"end":434.57498,"sentiment":"neutral","sentiment_score":0.21309286897832697},{"text":"But my questions pretty much were, you recommended $10,000, and I'm like, that's great.","start":435.275,"end":446.59,"sentiment":"neutral","sentiment_score":0.27242774942091535},{"text":"Comfortable with that.","start":446.59,"end":447.71002,"sentiment":"positive","sentiment_score":0.6388122836748759},{"text":"However, while I do have the money now, should I actually put in a little bit more given that when I was reading through the, I guess, terms and conditions, it was saying that in the future years excuse me.","start":447.71002,"end":463.635,"sentiment":"neutral","sentiment_score":-0.057693710923194884},{"text":"In the future years when I'm putting in more money on a regular basis, that I can go up to a 125% of the initial investment.","start":463.77502,"end":475.03,"sentiment":"neutral","sentiment_score":0.16555351993212333}],"sentiment":"neutral","sentiment_score":0.11823915754045759,"num_words":105,"start":424.36002,"end":475.03},{"sentences":[{"text":"So I it's pretty much maximizing what I can put in there in the future should I be able to.","start":475.73,"end":482.87,"sentiment":"positive","sentiment_score":0.35495625510811807},{"text":"So should I be putting in a little bit more than the 10,000 in initial investment, so closer to 15 or 20,000, to be able to maximize what I can put in later.","start":484.185,"end":497.66998,"sentiment":"neutral","sentiment_score":0.17974294744657748},{"text":"Does that make sense?","start":498.77,"end":499.75,"sentiment":"neutral","sentiment_score":0.11392149142920971},{"text":"Mhmm.","start":518.935,"end":519.435,"sentiment":"neutral","sentiment_score":0.028227996081113815},{"text":"Mhmm.","start":531.59,"end":532.09,"sentiment":"neutral","sentiment_score":0.030849982053041455}],"sentiment":"neutral","sentiment_score":0.22958315782627817,"num_words":59,"start":475.73,"end":532.09},{"sentences":[{"text":"Mhmm.","start":550.445,"end":550.765,"sentiment":"neutral","sentiment_score":0.04105042666196823},{"text":"Yeah.","start":550.765,"end":551.085,"sentiment":"neutral","sentiment_score":0.09079065918922424},{"text":"Of course.","start":551.085,"end":551.725,"sentiment":"neutral","sentiment_score":0.10087982937693596},{"text":"And we yeah.","start":551.725,"end":552.685,"sentiment":"neutral","sentiment_score":0.07208824406067531},{"text":"Sorry.","start":552.685,"end":553.185,"sentiment":"neutral","sentiment_score":-0.012924915179610252}],"sentiment":"neutral","sentiment_score":0.067117570200935,"num_words":8,"start":550.445,"end":553.185},{"sentences":[{"text":"Because I is it this is one thing I was in some get is is it a ten it was a ten year investment and then I get three invested.","start":553.28,"end":561.92,"sentiment":"neutral","sentiment_score":0.02244344654803475},{"text":"Should I choose?","start":561.92,"end":562.56,"sentiment":"neutral","sentiment_score":0.037206219509243965},{"text":"Was that right?","start":562.56,"end":563.46,"sentiment":"neutral","sentiment_score":0.045676492154598236},{"text":"Mhmm.","start":566.115,"end":566.615,"sentiment":"neutral","sentiment_score":0.04057437554001808},{"text":"Mhmm.","start":573.84753,"end":574.34753,"sentiment":"neutral","sentiment_score":0.07867083698511124}],"sentiment":"neutral","sentiment_score":0.027399914314676272,"num_words":38,"start":553.28,"end":574.34753},{"sentences":[{"text":"Mhmm.","start":595.42004,"end":595.92004,"sentiment":"neutral","sentiment_score":0.03631533682346344},{"text":"Yep.","start":614.16003,"end":614.66003,"sentiment":"neutral","sentiment_score":0.1183554381132126},{"text":"It will loosely, yes.","start":627.16504,"end":631.325,"sentiment":"neutral","sentiment_score":0.13175669498741627},{"text":"It will be 2027.","start":631.325,"end":632.78503,"sentiment":"neutral","sentiment_score":0.13655532151460648},{"text":"Depending if I feel comfortable, like, just balancing the logistics of things.","start":634.28503,"end":638.125,"sentiment":"neutral","sentiment_score":0.1123192689071099}],"sentiment":"neutral","sentiment_score":0.11707954853773117,"num_words":22,"start":595.42004,"end":638.125},{"sentences":[{"text":"Ideally, it will be I'd like to be able to stay home until around and go to kindergarten, which will be either '28 or '29.","start":638.125,"end":647.47003,"sentiment":"neutral","sentiment_score":0.2043810886144638},{"text":"But financially, I think, yeah, it will be probably '20 somewhere in '27.","start":648.57,"end":654.59,"sentiment":"neutral","sentiment_score":0.058188944768447146},{"text":"It's probably mid twenty seven.","start":655.045,"end":657.365,"sentiment":"neutral","sentiment_score":0.05148541182279587},{"text":"I'll probably realistically go back to work.","start":657.365,"end":659.865,"sentiment":"neutral","sentiment_score":0.08174887725285121},{"text":"Yeah.","start":661.685,"end":662.185,"sentiment":"neutral","sentiment_score":0.30645179748535156}],"sentiment":"neutral","sentiment_score":0.13729616656315094,"num_words":51,"start":638.125,"end":662.185},{"sentences":[{"text":"Okay.","start":674.81,"end":675.20996,"sentiment":"neutral","sentiment_score":0.06258530914783478},{"text":"Alright.","start":675.20996,"end":675.70996,"sentiment":"neutral","sentiment_score":0.0933573991060257},{"text":"So if if if it's, like, it's huge money already.","start":675.93,"end":681.31,"sentiment":"neutral","sentiment_score":0.009774874523282052},{"text":"Yeah.","start":682.08997,"end":682.49,"sentiment":"neutral","sentiment_score":0.11041808128356934},{"text":"Okay.","start":682.49,"end":682.88995,"sentiment":"neutral","sentiment_score":0.09920179098844528}],"sentiment":"neutral","sentiment_score":0.03309366612562111,"num_words":14,"start":674.81,"end":682.88995},{"sentences":[{"text":"Alright.","start":682.88995,"end":683.38995,"sentiment":"neutral","sentiment_score":0.10658767819404602},{"text":"But yeah.","start":686.25494,"end":686.815,"sentiment":"neutral","sentiment_score":0.09132891148328781},{"text":"Yeah.","start":686.815,"end":687.315,"sentiment":"neutral","sentiment_score":0.26885849237442017},{"text":"Mhmm.","start":711.865,"end":712.365,"sentiment":"neutral","sentiment_score":0.1978471726179123},{"text":"Oh, okay.","start":716.105,"end":716.845,"sentiment":"neutral","sentiment_score":0.04491007141768932}],"sentiment":"neutral","sentiment_score":0.12082447271261897,"num_words":7,"start":682.88995,"end":716.845},{"sentences":[{"text":"Oh, okay.","start":719.305,"end":719.865,"sentiment":"neutral","sentiment_score":0.0893545001745224},{"text":"Yep.","start":719.865,"end":720.105,"sentiment":"neutral","sentiment_score":0.12637178599834442},{"text":"Alright.","start":720.105,"end":720.425,"sentiment":"neutral","sentiment_score":0.23672595620155337},{"text":"That makes sense.","start":720.425,"end":721.14496,"sentiment":"neutral","sentiment_score":0.24071288605531058},{"text":"Yep.","start":721.14496,"end":721.64496,"sentiment":"neutral","sentiment_score":0.14762140810489657}],"sentiment":"neutral","sentiment_score":0.17644585110247135,"num_words":8,"start":719.305,"end":721.64496},{"sentences":[{"text":"Okay.","start":723.71,"end":724.03,"sentiment":"neutral","sentiment_score":0.1516386866569519},{"text":"Alright.","start":724.03,"end":724.51,"sentiment":"neutral","sentiment_score":0.1608734428882599},{"text":"So then in that case, you're probably right.","start":724.51,"end":726.75,"sentiment":"neutral","sentiment_score":0.15842950344085693},{"text":"10,000 is a good safe bet.","start":726.75,"end":731.81,"sentiment":"neutral","sentiment_score":0.23410315066576004},{"text":"Every time I put more in?","start":759.75,"end":761.19,"sentiment":"neutral","sentiment_score":-0.06377813282112281}],"sentiment":"neutral","sentiment_score":0.11826810291544958,"num_words":22,"start":723.71,"end":761.19},{"sentences":[{"text":"Or oh, okay.","start":761.19,"end":764.885,"sentiment":"neutral","sentiment_score":0.00460816795627276},{"text":"Yeah.","start":764.885,"end":765.125,"sentiment":"neutral","sentiment_score":0.03025115467607975},{"text":"Alright.","start":765.125,"end":765.625,"sentiment":"neutral","sentiment_score":0.043008290231227875},{"text":"No.","start":777.49005,"end":777.99005,"sentiment":"neutral","sentiment_score":-0.2021661400794983},{"text":"Okay.","start":781.17004,"end":781.57,"sentiment":"neutral","sentiment_score":-0.01244073174893856}],"sentiment":"neutral","sentiment_score":-0.01821756043604442,"num_words":7,"start":761.19,"end":781.57},{"sentences":[{"text":"Yeah.","start":781.57,"end":781.89,"sentiment":"neutral","sentiment_score":-0.004505950957536697},{"text":"Alright.","start":781.89,"end":782.29004,"sentiment":"neutral","sentiment_score":0.030025344341993332},{"text":"I understand.","start":782.29004,"end":783.09,"sentiment":"neutral","sentiment_score":0.022688972763717175},{"text":"Yep.","start":783.09,"end":783.59,"sentiment":"neutral","sentiment_score":-0.005895170383155346},{"text":"Yeah.","start":790.61005,"end":791.11005,"sentiment":"neutral","sentiment_score":0.013560174033045769}],"sentiment":"neutral","sentiment_score":0.013093723760296902,"num_words":6,"start":781.57,"end":791.11005},{"sentences":[{"text":"Uh-huh.","start":803.805,"end":804.305,"sentiment":"neutral","sentiment_score":-0.012722198851406574},{"text":"Mhmm.","start":814.1,"end":814.6,"sentiment":"neutral","sentiment_score":-0.093523770570755},{"text":"Oh, okay.","start":824.875,"end":825.695,"sentiment":"neutral","sentiment_score":0.02694010268896818},{"text":"Oh, okay.","start":830.795,"end":831.515,"sentiment":"neutral","sentiment_score":0.06427022442221642},{"text":"Alright.","start":831.515,"end":831.83496,"sentiment":"neutral","sentiment_score":0.14414216578006744}],"sentiment":"neutral","sentiment_score":0.03147383579718215,"num_words":7,"start":803.805,"end":831.83496},{"sentences":[{"text":"Oh, that's good.","start":831.83496,"end":832.475,"sentiment":"positive","sentiment_score":0.38352885842323303},{"text":"I didn't I mean, that makes sense.","start":832.475,"end":833.915,"sentiment":"neutral","sentiment_score":-0.07326340994664601},{"text":"I don't know why I thought I couldn't do that.","start":833.915,"end":836.255,"sentiment":"neutral","sentiment_score":-0.2840583920478821},{"text":"Yep.","start":838.04,"end":838.54,"sentiment":"neutral","sentiment_score":0.05939916893839836},{"text":"Okay.","start":838.76,"end":839.16,"sentiment":"neutral","sentiment_score":0.1009468361735344}],"sentiment":"neutral","sentiment_score":-0.09284069135107777,"num_words":22,"start":831.83496,"end":839.16},{"sentences":[{"text":"Alright.","start":839.16,"end":839.63995,"sentiment":"neutral","sentiment_score":0.16423045098781586},{"text":"Okay.","start":839.63995,"end":840.04,"sentiment":"neutral","sentiment_score":0.23332491517066956},{"text":"Then that sounds good.","start":840.04,"end":840.83997,"sentiment":"positive","sentiment_score":0.44092174619436264},{"text":"Thank you for clarifying that.","start":840.83997,"end":842.19995,"sentiment":"positive","sentiment_score":0.6382315874099731},{"text":"I think then in that case, we'll go we'll still go ahead with, like, the the $10,000 for the that.","start":842.19995,"end":848.06,"sentiment":"neutral","sentiment_score":0.28295002281665804}],"sentiment":"positive","sentiment_score":0.35520647562319235,"num_words":31,"start":839.16,"end":848.06},{"sentences":[{"text":"Yeah.","start":850.04,"end":850.51996,"sentiment":"neutral","sentiment_score":0.1309923678636551},{"text":"Yep.","start":850.51996,"end":850.905,"sentiment":"neutral","sentiment_score":0.13536682724952698},{"text":"Okay.","start":853.465,"end":853.965,"sentiment":"neutral","sentiment_score":0.16358986496925354},{"text":"Then I sir, I did have so I was looking on the the particular provider.","start":861.54504,"end":866.0,"sentiment":"neutral","sentiment_score":0.01740261906137069},{"text":"I think it was generational life that does the child bond.","start":866.0,"end":869.22003,"sentiment":"neutral","sentiment_score":0.036639858883890236}],"sentiment":"neutral","sentiment_score":0.0377250618526134,"num_words":29,"start":850.04,"end":869.22003},{"sentences":[{"text":"And I is it beneficial for me to have a bond in my name under the generational life builder?","start":870.4,"end":878.1,"sentiment":"neutral","sentiment_score":0.10884009615371101},{"text":"Yep.","start":882.815,"end":883.315,"sentiment":"neutral","sentiment_score":0.026906361803412437},{"text":"Mhmm.","start":898.04,"end":898.54,"sentiment":"neutral","sentiment_score":-0.0037169232964515686},{"text":"Yeah.","start":900.44,"end":900.94,"sentiment":"neutral","sentiment_score":0.07090048491954803},{"text":"Mhmm.","start":907.24,"end":907.74,"sentiment":"neutral","sentiment_score":0.15217360854148865}],"sentiment":"neutral","sentiment_score":0.10061849386471769,"num_words":23,"start":870.4,"end":907.74},{"sentences":[{"text":"Mhmm.","start":919.15497,"end":919.65497,"sentiment":"neutral","sentiment_score":0.03453752398490906},{"text":"Okay.","start":937.91504,"end":938.41504,"sentiment":"neutral","sentiment_score":0.06480560451745987},{"text":"Yep.","start":939.03503,"end":939.53503,"sentiment":"neutral","sentiment_score":0.07840409874916077},{"text":"That's and and it has to be a ten year term as well for it to be tax free from withdrawal?","start":939.755,"end":945.695,"sentiment":"neutral","sentiment_score":0.05807777636107944},{"text":"Okay.","start":949.03503,"end":949.53503,"sentiment":"neutral","sentiment_score":0.0939471870660782}],"sentiment":"neutral","sentiment_score":0.059653108716011045,"num_words":25,"start":919.15497,"end":949.53503},{"sentences":[{"text":"Alright.","start":949.59503,"end":950.09503,"sentiment":"neutral","sentiment_score":0.14810368418693542},{"text":"But then so just with consideration, you're putting a recommendation for a RDPS account with hub twenty four.","start":951.73,"end":960.31,"sentiment":"neutral","sentiment_score":0.1470947079360485},{"text":"Is that Sub24 is the super.","start":960.93,"end":966.185,"sentiment":"neutral","sentiment_score":0.18317058930794397},{"text":"So if I was to put that into the super, I wouldn't be able to touch it anyway until oh.","start":966.185,"end":975.575,"sentiment":"neutral","sentiment_score":0.04575487356632948},{"text":"Mhmm.","start":982.01,"end":982.51,"sentiment":"neutral","sentiment_score":0.09143811464309692}],"sentiment":"neutral","sentiment_score":0.10655146845332954,"num_words":46,"start":949.59503,"end":982.51},{"sentences":[{"text":"Okay.","start":1020.31,"end":1020.81,"sentiment":"neutral","sentiment_score":0.021471267566084865},{"text":"Where, where's the life builder?","start":1022.15,"end":1025.845,"sentiment":"neutral","sentiment_score":-0.11978761255741119},{"text":"It's locked away.","start":1026.145,"end":1027.125,"sentiment":"neutral","sentiment_score":-0.3298494815826416},{"text":"So it gives so the okay.","start":1027.985,"end":1032.945,"sentiment":"neutral","sentiment_score":-0.18627689157923064},{"text":"Alright.","start":1032.945,"end":1033.345,"sentiment":"neutral","sentiment_score":0.07391685247421265}],"sentiment":"neutral","sentiment_score":-0.1631724835606292,"num_words":16,"start":1020.31,"end":1033.345},{"sentences":[{"text":"So one gives me more flexibility to utilize, and the other one locks it away.","start":1033.345,"end":1039.37,"sentiment":"neutral","sentiment_score":0.02945402388771375},{"text":"Is the return on one or the other better, like, with consideration of fees and all that kind of stuff?","start":1039.91,"end":1048.1699,"sentiment":"neutral","sentiment_score":-0.0385404983535409},{"text":"Mhmm.","start":1059.295,"end":1059.795,"sentiment":"neutral","sentiment_score":-0.15168249607086182},{"text":"Mhmm.","start":1081.3275,"end":1081.8275,"sentiment":"neutral","sentiment_score":0.06865829229354858},{"text":"Okay.","start":1103.12,"end":1103.62,"sentiment":"neutral","sentiment_score":0.18521955609321591}],"sentiment":"neutral","sentiment_score":-0.005968533064189711,"num_words":38,"start":1033.345,"end":1103.62},{"sentences":[{"text":"Lots.","start":1135.015,"end":1135.515,"sentiment":"neutral","sentiment_score":-0.12547141313552856},{"text":"Okay.","start":1136.775,"end":1137.275,"sentiment":"neutral","sentiment_score":0.13524863123893738},{"text":"Would it be beneficial to kind of have both?","start":1138.775,"end":1143.3551,"sentiment":"neutral","sentiment_score":0.26220476627349854},{"text":"Just one secures the money for for a longer term.","start":1145.49,"end":1149.73,"sentiment":"neutral","sentiment_score":0.30450004786252977},{"text":"So then it's like future planning long term planning.","start":1149.73,"end":1153.43,"sentiment":"neutral","sentiment_score":0.2845866729815801}],"sentiment":"neutral","sentiment_score":0.2658633550008138,"num_words":30,"start":1135.015,"end":1153.43},{"sentences":[{"text":"Whereas they have 24, as you said, it gives them the flexibility, ability to have income from it, that kinda stuff.","start":1153.65,"end":1159.485,"sentiment":"neutral","sentiment_score":0.27403777766795384},{"text":"So is it worth putting having the two accounts?","start":1159.485,"end":1162.065,"sentiment":"neutral","sentiment_score":0.29376023676660323},{"text":"Mhmm.","start":1204.4651,"end":1204.95,"sentiment":"neutral","sentiment_score":0.1065601408481598},{"text":"Yeah.","start":1217.83,"end":1218.33,"sentiment":"neutral","sentiment_score":0.13771474361419678},{"text":"Okay.","start":1230.0651,"end":1230.145,"sentiment":"neutral","sentiment_score":0.253797709941864}],"sentiment":"neutral","sentiment_score":0.26959721382820245,"num_words":33,"start":1153.65,"end":1230.145},{"sentences":[{"text":"Yeah.","start":1230.145,"end":1230.645,"sentiment":"neutral","sentiment_score":0.16388791799545288},{"text":"Yeah.","start":1235.45,"end":1235.85,"sentiment":"neutral","sentiment_score":0.0810447484254837},{"text":"Yeah.","start":1235.85,"end":1236.01,"sentiment":"neutral","sentiment_score":0.09487584233283997},{"text":"Yeah.","start":1236.01,"end":1236.33,"sentiment":"neutral","sentiment_score":0.1081736832857132},{"text":"Yeah.","start":1236.33,"end":1236.57,"sentiment":"neutral","sentiment_score":0.15426331758499146}],"sentiment":"neutral","sentiment_score":0.12044910192489625,"num_words":5,"start":1230.145,"end":1236.57},{"sentences":[{"text":"Absolutely.","start":1236.57,"end":1237.07,"sentiment":"neutral","sentiment_score":0.21317115426063535},{"text":"I 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fine.","start":1258.9651,"end":1259.7051,"sentiment":"neutral","sentiment_score":-0.03406101220753044},{"text":"And that's not a financially sound reason, really.","start":1260.3251,"end":1265.2,"sentiment":"negative","sentiment_score":-0.37556205689907074},{"text":"And then it's also, well, if you're sitting in the bank account, it's not working for me.","start":1267.02,"end":1271.1,"sentiment":"negative","sentiment_score":-0.34482088334420147},{"text":"So if I don't do something with it, even if it's, you know, realistically, even if it's small and I put it in an account that I don't look at and don't touch, it's not visibly available to me.","start":1271.1,"end":1285.6901,"sentiment":"neutral","sentiment_score":-0.30543386248441845},{"text":"Whereas if it's now, just seeing an account that I access every day, I'm like, I feel like a rich bitch.","start":1285.6901,"end":1291.93,"sentiment":"neutral","sentiment_score":-0.17595631735665457}],"sentiment":"neutral","sentiment_score":-0.28208708963035767,"num_words":87,"start":1258.9651,"end":1291.93},{"sentences":[{"text":"I can be like, oh, it's fine.","start":1291.93,"end":1293.29,"sentiment":"neutral","sentiment_score":0.16999944405896322},{"text":"We're gonna go out for lunch every day to eat pasta at home.","start":1293.29,"end":1296.3501,"sentiment":"neutral","sentiment_score":0.3055482724538216},{"text":"So mentally, I'm being privileged with money when I really should be doing something with it.","start":1298.365,"end":1304.6849,"sentiment":"positive","sentiment_score":0.42085476306965575},{"text":"So even if it's just hiding it from my everyday god underneath.","start":1304.6849,"end":1308.705,"sentiment":"neutral","sentiment_score":-0.016028004232794046},{"text":"Is that right?","start":1310.0449,"end":1311.105,"sentiment":"neutral","sentiment_score":0.06668633222579956}],"sentiment":"neutral","sentiment_score":0.2334024079472703,"num_words":51,"start":1291.93,"end":1311.105},{"sentences":[{"text":"Yes.","start":1311.645,"end":1312.145,"sentiment":"neutral","sentiment_score":0.19762784242630005},{"text":"Yeah.","start":1312.205,"end":1312.705,"sentiment":"neutral","sentiment_score":0.2289029359817505},{"text":"So it's if I was to put it into not a a generational life bond and lock it forever, but if I still put it, you know, some of it into I have 24 investment accounts, it will be working for me but still accessible in twelve to eighteen to two years when I will be like, oh, yep.","start":1315.02,"end":1343.01,"sentiment":"neutral","sentiment_score":0.15194576612468494},{"text":"Now I wanna buy a house or something like that.","start":1343.01,"end":1345.35,"sentiment":"neutral","sentiment_score":0.1371900923550129},{"text":"Yep.","start":1347.01,"end":1347.51,"sentiment":"neutral","sentiment_score":0.16089527308940887}],"sentiment":"neutral","sentiment_score":0.15172398856116665,"num_words":72,"start":1311.645,"end":1347.51},{"sentences":[{"text":"Okay.","start":1349.49,"end":1349.99,"sentiment":"neutral","sentiment_score":0.1411103457212448},{"text":"Alright.","start":1350.37,"end":1350.87,"sentiment":"neutral","sentiment_score":0.14652904868125916},{"text":"Yeah.","start":1373.26,"end":1373.76,"sentiment":"neutral","sentiment_score":0.11794646084308624},{"text":"Oh, that's nice.","start":1374.14,"end":1375.2001,"sentiment":"positive","sentiment_score":0.3845619559288025},{"text":"Yes.","start":1376.8601,"end":1377.3401,"sentiment":"neutral","sentiment_score":0.0012177228927612305}],"sentiment":"neutral","sentiment_score":0.222927063703537,"num_words":7,"start":1349.49,"end":1377.3401},{"sentences":[{"text":"That's really good.","start":1377.3401,"end":1378.4,"sentiment":"negative","sentiment_score":-0.37262027462323505},{"text":"Yeah.","start":1404.4801,"end":1404.9801,"sentiment":"neutral","sentiment_score":0.008258247748017311},{"text":"Yeah.","start":1405.52,"end":1406.02,"sentiment":"neutral","sentiment_score":0.009599724784493446},{"text":"Yeah.","start":1407.015,"end":1407.495,"sentiment":"neutral","sentiment_score":-0.044703058898448944},{"text":"That I mean, that's nice to have a bit of a sounding board so you stop and actually think about something which, to be honest with it's like you're my student partner financially because, like, you're the person that goes, really?","start":1407.495,"end":1419.1951,"sentiment":"neutral","sentiment_score":0.3105456505606814}],"sentiment":"neutral","sentiment_score":0.24654608005855946,"num_words":47,"start":1377.3401,"end":1419.1951},{"sentences":[{"text":"Are you sure?","start":1419.44,"end":1420.26,"sentiment":"neutral","sentiment_score":0.07477946827809016},{"text":"It's he, but are you sure?","start":1420.4,"end":1421.7,"sentiment":"neutral","sentiment_score":0.04002827157576879},{"text":"Yep.","start":1423.2,"end":1423.52,"sentiment":"neutral","sentiment_score":0.1665264219045639},{"text":"Okay.","start":1423.52,"end":1423.92,"sentiment":"neutral","sentiment_score":0.3272971212863922},{"text":"I like that.","start":1423.92,"end":1424.88,"sentiment":"positive","sentiment_score":0.5880601406097412}],"sentiment":"neutral","sentiment_score":0.1944651428077902,"num_words":14,"start":1419.44,"end":1424.88},{"sentences":[{"text":"That's good.","start":1424.88,"end":1425.52,"sentiment":"positive","sentiment_score":0.7508179247379303},{"text":"I think I need that.","start":1425.52,"end":1426.82,"sentiment":"positive","sentiment_score":0.5627271234989166},{"text":"Okay.","start":1429.52,"end":1429.92,"sentiment":"neutral","sentiment_score":0.19427919387817383},{"text":"So, well, in in that case, I think there's not there's not a negative in my mind in putting some money into a HUB24 IDSL investment account or whatever it's called.","start":1429.92,"end":1445.555,"sentiment":"neutral","sentiment_score":0.10218690528023627},{"text":"Because it's better than just sitting in my account with, like, minimal interest.","start":1447.1,"end":1451.76,"sentiment":"neutral","sentiment_score":0.17259447964338157}],"sentiment":"neutral","sentiment_score":0.19078986461345965,"num_words":52,"start":1424.88,"end":1451.76},{"sentences":[{"text":"Yep.","start":1452.86,"end":1453.36,"sentiment":"neutral","sentiment_score":0.0922541841864586},{"text":"Okay.","start":1454.0599,"end":1454.5599,"sentiment":"neutral","sentiment_score":0.0842963457107544},{"text":"Alright.","start":1454.7799,"end":1455.2799,"sentiment":"neutral","sentiment_score":0.09068404883146286},{"text":"Pretty much, it's sitting at a 164, 62,000 or something like that.","start":1460.025,"end":1465.885,"sentiment":"neutral","sentiment_score":0.06802110436062019},{"text":"Yeah.","start":1469.5449,"end":1470.0449,"sentiment":"neutral","sentiment_score":0.116378054022789}],"sentiment":"neutral","sentiment_score":0.07499161781743169,"num_words":16,"start":1452.86,"end":1470.0449},{"sentences":[{"text":"Yep.","start":1479.66,"end":1480.16,"sentiment":"neutral","sentiment_score":0.03825658559799194},{"text":"Yes.","start":1492.105,"end":1492.605,"sentiment":"neutral","sentiment_score":0.049315195530653},{"text":"Yeah.","start":1492.985,"end":1493.485,"sentiment":"neutral","sentiment_score":0.049276746809482574},{"text":"Probably 50,000.","start":1506.62,"end":1507.76,"sentiment":"neutral","sentiment_score":0.06612572818994522},{"text":"Yes.","start":1542.375,"end":1542.875,"sentiment":"neutral","sentiment_score":0.023483162745833397}],"sentiment":"neutral","sentiment_score":0.048763857843975224,"num_words":6,"start":1479.66,"end":1542.875},{"sentences":[{"text":"But then backtracking sorry.","start":1547.0149,"end":1549.115,"sentiment":"neutral","sentiment_score":-0.042652754578739405},{"text":"A little bit.","start":1549.335,"end":1550.135,"sentiment":"neutral","sentiment_score":-0.0752720261613528},{"text":"Should should we put some I just said we like we're a couple.","start":1550.135,"end":1556.22,"sentiment":"neutral","sentiment_score":-0.09939736414414185},{"text":"That's so weird.","start":1556.22,"end":1557.02,"sentiment":"neutral","sentiment_score":-0.15512911478678384},{"text":"Sorry.","start":1557.02,"end":1557.52,"sentiment":"neutral","sentiment_score":-0.07027091085910797}],"sentiment":"neutral","sentiment_score":-0.09267712857884665,"num_words":24,"start":1547.0149,"end":1557.52},{"sentences":[{"text":"Should I should I put, like, some into that the long term bond as well?","start":1559.02,"end":1566.0801,"sentiment":"neutral","sentiment_score":-0.006514684855937957},{"text":"So kind of put have the IDPS and the long term bond.","start":1566.38,"end":1573.565,"sentiment":"neutral","sentiment_score":0.02572934500252207},{"text":"So some, like, you know, some of it's accessible.","start":1574.825,"end":1577.965,"sentiment":"neutral","sentiment_score":0.03960112151172426},{"text":"Like, we what it is gonna be weird.","start":1578.105,"end":1580.9049,"sentiment":"neutral","sentiment_score":-0.08875744417309761},{"text":"If I were to put both into, say, split it between the IDPS and the the other one, and say I I I wouldn't touch either of them for ten years, which would come out financially better.","start":1580.9049,"end":1601.005,"sentiment":"neutral","sentiment_score":-0.08489155960646835}],"sentiment":"neutral","sentiment_score":-0.0405383370126839,"num_words":81,"start":1559.02,"end":1601.005},{"sentences":[{"text":"Like, is yeah.","start":1602.4249,"end":1608.205,"sentiment":"neutral","sentiment_score":0.20868858446677527},{"text":"Because it I mean, I know that they're different services.","start":1609.225,"end":1614.4299,"sentiment":"neutral","sentiment_score":-0.016758279502391817},{"text":"Yeah.","start":1616.97,"end":1617.37,"sentiment":"neutral","sentiment_score":-0.01585415191948414},{"text":"But it's like it's like it's hard to compare apples to apples, but at the end of the day, like, if I've I have enough cash here at the moment that I can lock it some of it away.","start":1617.37,"end":1629.715,"sentiment":"neutral","sentiment_score":-0.2412083829060579},{"text":"Like, there's nothing foreseeable where I'm gonna be like, shit.","start":1629.715,"end":1632.115,"sentiment":"negative","sentiment_score":-0.34353022277355194}],"sentiment":"neutral","sentiment_score":-0.19682222785102943,"num_words":63,"start":1602.4249,"end":1632.115},{"sentences":[{"text":"I need to pull out the 160,000 I have and spend it right now.","start":1632.115,"end":1636.135,"sentiment":"neutral","sentiment_score":-0.25621767342090607},{"text":"And even, like, realistically, I'm not even in a position to be buying a house right now because I'm not working, and I won't until at least twelve months after I start work.","start":1638.1951,"end":1648.6901,"sentiment":"neutral","sentiment_score":-0.25212276659228583},{"text":"So when I look at it, that's, like, three years on track.","start":1648.6901,"end":1651.03,"sentiment":"neutral","sentiment_score":-0.08605890876303117},{"text":"So it's not like I need to undo what's locked away, but it's also future proofing.","start":1653.025,"end":1660.645,"sentiment":"neutral","sentiment_score":0.0011891971807926893},{"text":"Like, if it's locked if it is locked away, although it's my money, it's not my money to use right now.","start":1660.785,"end":1668.07,"sentiment":"neutral","sentiment_score":-0.15667760655993507}],"sentiment":"neutral","sentiment_score":-0.16886466889021298,"num_words":96,"start":1632.115,"end":1668.07},{"sentences":[{"text":"And then in my mind, I won't rely on it.","start":1668.07,"end":1671.69,"sentiment":"neutral","sentiment_score":-0.09362308569252491},{"text":"Does that make sense?","start":1672.07,"end":1673.13,"sentiment":"neutral","sentiment_score":0.0020840605720877647},{"text":"Yeah.","start":1673.4299,"end":1673.9299,"sentiment":"neutral","sentiment_score":0.06776303052902222},{"text":"It yeah.","start":1674.7,"end":1675.7699,"sentiment":"neutral","sentiment_score":0.18789935111999512},{"text":"So just wanted to be work work out.","start":1679.375,"end":1681.6951,"sentiment":"neutral","sentiment_score":0.15412942599505186}],"sentiment":"neutral","sentiment_score":0.029948101043701172,"num_words":25,"start":1668.07,"end":1681.6951},{"sentences":[{"text":"Is it is it is it worth splitting it between those two different types accounts even if it's, like, a eighty twenty split?","start":1681.6951,"end":1688.55,"sentiment":"neutral","sentiment_score":0.0656685218538927},{"text":"What's gonna be better than just locking all of it?","start":1691.3501,"end":1694.4701,"sentiment":"neutral","sentiment_score":0.00008818302303552628},{"text":"Not locking it all of the way, but putting it all in the IDPS.","start":1694.4701,"end":1697.05,"sentiment":"neutral","sentiment_score":-0.03981304940368448},{"text":"Oh, no.","start":1704.775,"end":1705.175,"sentiment":"neutral","sentiment_score":-0.10311174765229225},{"text":"No.","start":1705.175,"end":1705.335,"sentiment":"neutral","sentiment_score":-0.12640506029129028}],"sentiment":"neutral","sentiment_score":0.012424931712448597,"num_words":50,"start":1681.6951,"end":1705.335},{"sentences":[{"text":"Sorry.","start":1705.335,"end":1705.8151,"sentiment":"neutral","sentiment_score":-0.11490340530872344},{"text":"Not not not for the child bond.","start":1705.8151,"end":1707.415,"sentiment":"neutral","sentiment_score":-0.15997621629919326},{"text":"The generational life one.","start":1707.415,"end":1708.875,"sentiment":"neutral","sentiment_score":-0.08185718208551407},{"text":"Oh, okay.","start":1711.735,"end":1712.475,"sentiment":"neutral","sentiment_score":0.044323138892650604},{"text":"Go ahead.","start":1723.71,"end":1724.37,"sentiment":"neutral","sentiment_score":0.08814975991845131}],"sentiment":"neutral","sentiment_score":-0.08107624063268304,"num_words":16,"start":1705.335,"end":1724.37},{"sentences":[{"text":"Yeah.","start":1746.34,"end":1746.84,"sentiment":"neutral","sentiment_score":0.008370563387870789},{"text":"Yeah.","start":1765.995,"end":1766.495,"sentiment":"neutral","sentiment_score":0.18189558386802673},{"text":"Yeah.","start":1824.025,"end":1824.51,"sentiment":"neutral","sentiment_score":0.20418480038642883},{"text":"Yeah.","start":1838.59,"end":1839.09,"sentiment":"neutral","sentiment_score":0.052890755236148834},{"text":"Yeah.","start":1839.15,"end":1839.65,"sentiment":"neutral","sentiment_score":0.00695626437664032}],"sentiment":"neutral","sentiment_score":0.0908595934510231,"num_words":5,"start":1746.34,"end":1839.65},{"sentences":[{"text":"Yeah.","start":1841.9349,"end":1842.4349,"sentiment":"neutral","sentiment_score":0.041531987488269806},{"text":"Yeah.","start":1845.9349,"end":1846.1749,"sentiment":"neutral","sentiment_score":0.1284728646278381},{"text":"Yep.","start":1846.1749,"end":1846.6749,"sentiment":"neutral","sentiment_score":-0.03895576298236847},{"text":"Mhmm.","start":1887.13,"end":1887.63,"sentiment":"neutral","sentiment_score":0.2494107186794281},{"text":"Mhmm.","start":1901.5549,"end":1902.0549,"sentiment":"neutral","sentiment_score":-0.06163214519619942}],"sentiment":"neutral","sentiment_score":0.06376553252339363,"num_words":5,"start":1841.9349,"end":1902.0549},{"sentences":[{"text":"Mhmm.","start":1911.63,"end":1912.13,"sentiment":"neutral","sentiment_score":-0.02301320619881153},{"text":"Yeah.","start":1916.27,"end":1916.77,"sentiment":"neutral","sentiment_score":0.06805688142776489},{"text":"Yeah.","start":1922.51,"end":1923.01,"sentiment":"neutral","sentiment_score":0.05301434174180031},{"text":"Mhmm.","start":1936.1549,"end":1936.6549,"sentiment":"neutral","sentiment_score":-0.0010214364156126976},{"text":"Probably oh, well, it's really hard to tell because Mark is disgusting at the moment.","start":1943.4299,"end":1948.97,"sentiment":"negative","sentiment_score":-0.5163977411886056}],"sentiment":"negative","sentiment_score":-0.40257523880389173,"num_words":19,"start":1911.63,"end":1948.97},{"sentences":[{"text":"I can tell you the type of house I want, but financially how much it is, I don't know because I don't this is the challenge is that I I'm in Canberra at the moment.","start":1954.595,"end":1962.535,"sentiment":"neutral","sentiment_score":-0.1996255732008389},{"text":"Market well, I'm in Canberra region at the moment.","start":1962.595,"end":1965.495,"sentiment":"neutral","sentiment_score":-0.08765594495667352},{"text":"The market here is equivalent to Sydney and Melbourne.","start":1965.8099,"end":1970.85,"sentiment":"neutral","sentiment_score":-0.22614607628848818},{"text":"It's just unrealistic.","start":1970.85,"end":1971.75,"sentiment":"negative","sentiment_score":-0.4527370184659958},{"text":"So I probably depending on what job I end up getting, if it's back onto the income or more that I was prior to having my son, then I would be comfortable, you know, 800, $900,000.","start":1972.21,"end":1987.705,"sentiment":"neutral","sentiment_score":-0.005416098309473859}],"sentiment":"neutral","sentiment_score":-0.12352504182363981,"num_words":92,"start":1954.595,"end":1987.705},{"sentences":[{"text":"But if I then return back to work part time or a much lower level, I probably may not ever be able to afford to have a house if I stay in this area.","start":1987.705,"end":1998.6,"sentiment":"neutral","sentiment_score":-0.21651966124773026},{"text":"And I think this is what I've gotta decide in the next probably six to twelve months is, like, where do I where do we end up?","start":1999.38,"end":2008.005,"sentiment":"neutral","sentiment_score":-0.05239175991327674},{"text":"Because I if I and I'm sorry.","start":2009.045,"end":2011.765,"sentiment":"neutral","sentiment_score":-0.08066737385732788},{"text":"I'm just thinking out loud, but to give you some of my thinking process.","start":2011.765,"end":2016.345,"sentiment":"neutral","sentiment_score":-0.01515825731413705},{"text":"If I if, you know, I say in Canberra, the the sooner I'll have to go back to work, but the higher the income I could potentially have.","start":2018.085,"end":2024.28,"sentiment":"neutral","sentiment_score":-0.034772540775260756}],"sentiment":"neutral","sentiment_score":-0.09569785782898015,"num_words":110,"start":1987.705,"end":2024.28},{"sentences":[{"text":"Whereas if I move to, like, I don't know, Newcastle, housing's cheaper, but the income won't be as high either.","start":2024.28,"end":2033.7401,"sentiment":"neutral","sentiment_score":-0.07223974782973527},{"text":"So, yeah, I mean, I think that's probably my difficulty.","start":2033.8,"end":2038.525,"sentiment":"neutral","sentiment_score":-0.13729195008054376},{"text":"Probably why I'm just continuing to go back to Europe as well is because so you're sort of big.","start":2038.525,"end":2044.525,"sentiment":"neutral","sentiment_score":-0.18697179814702586},{"text":"I don't know where I wanna be.","start":2044.525,"end":2046.0651,"sentiment":"neutral","sentiment_score":-0.2807349626507078},{"text":"And, yeah, I mean, that's why I wouldn't be in a position to buy a house for a long time because I just, you know, don't know if I wanna settle in Canberra long term.","start":2049.22,"end":2061.015,"sentiment":"neutral","sentiment_score":-0.20695271492004394}],"sentiment":"neutral","sentiment_score":-0.171194158054397,"num_words":91,"start":2024.28,"end":2061.015},{"sentences":[{"text":"And I I don't really feel like I wanna buy a house for three years and then sell it and buy another house kinda thing.","start":2061.095,"end":2066.855,"sentiment":"negative","sentiment_score":-0.34625426709651946},{"text":"Like god.","start":2066.855,"end":2071.595,"sentiment":"neutral","sentiment_score":-0.06819483824074268},{"text":"Sorry.","start":2072.135,"end":2072.635,"sentiment":"neutral","sentiment_score":-0.07911661267280579},{"text":"I'm just my head is just processing it at the moment, but I would say comfortably on my total income, if I was to go back into the range that I was at previously, then anywhere between 600 and 800,000, I would be comfortable with, I think.","start":2072.6948,"end":2090.18,"sentiment":"neutral","sentiment_score":0.056439302227598555},{"text":"Yeah.","start":2090.855,"end":2091.355,"sentiment":"neutral","sentiment_score":0.016831520944833755}],"sentiment":"neutral","sentiment_score":-0.08161031895954358,"num_words":76,"start":2061.095,"end":2091.355},{"sentences":[{"text":"Sorry.","start":2092.535,"end":2092.9348,"sentiment":"neutral","sentiment_score":-0.07850681245326996},{"text":"Took me a while to get there.","start":2092.9348,"end":2094.2349,"sentiment":"neutral","sentiment_score":-0.13967564063412802},{"text":"Mhmm.","start":2106.3,"end":2106.8,"sentiment":"neutral","sentiment_score":0.035486917942762375},{"text":"Mhmm.","start":2115.02,"end":2115.34,"sentiment":"neutral","sentiment_score":0.030473532155156136},{"text":"Yep.","start":2115.34,"end":2115.74,"sentiment":"neutral","sentiment_score":0.11476533114910126}],"sentiment":"neutral","sentiment_score":-0.07959186505864967,"num_words":11,"start":2092.535,"end":2115.74},{"sentences":[{"text":"Okay.","start":2115.74,"end":2116.24,"sentiment":"neutral","sentiment_score":0.10859554260969162},{"text":"Yep.","start":2120.78,"end":2121.28,"sentiment":"neutral","sentiment_score":0.12557318806648254},{"text":"Yep.","start":2144.8699,"end":2145.3699,"sentiment":"neutral","sentiment_score":0.024528849869966507},{"text":"No.","start":2145.99,"end":2146.23,"sentiment":"neutral","sentiment_score":-0.07325039058923721},{"text":"I haven't brought to the flight as of yet.","start":2146.23,"end":2148.55,"sentiment":"neutral","sentiment_score":-0.10531712157858743}],"sentiment":"neutral","sentiment_score":-0.058646684942337185,"num_words":13,"start":2115.74,"end":2148.55},{"sentences":[{"text":"So why why why say two weeks?","start":2148.55,"end":2151.0752,"sentiment":"neutral","sentiment_score":-0.08003083616495132},{"text":"It could be longer.","start":2151.615,"end":2152.495,"sentiment":"neutral","sentiment_score":-0.10751963593065739},{"text":"It just it just depends on how long it takes me to finish packing up and a bit of recovery from surgery and things like that.","start":2152.495,"end":2159.0552,"sentiment":"neutral","sentiment_score":-0.051704341832261816},{"text":"So two weeks is the goal.","start":2159.0552,"end":2162.975,"sentiment":"neutral","sentiment_score":0.020029537690182526},{"text":"It could be longer.","start":2162.975,"end":2163.955,"sentiment":"neutral","sentiment_score":-0.041442425921559334}],"sentiment":"neutral","sentiment_score":-0.05064254812896252,"num_words":47,"start":2148.55,"end":2163.955},{"sentences":[{"text":"But, I mean, when I say what I'm talking about, I do extra weeks.","start":2164.5752,"end":2168.47,"sentiment":"neutral","sentiment_score":-0.006726961516376052},{"text":"Let me just yep.","start":2181.005,"end":2183.085,"sentiment":"neutral","sentiment_score":0.021927409805357456},{"text":"Yep.","start":2183.085,"end":2183.4048,"sentiment":"neutral","sentiment_score":0.08681873977184296},{"text":"That sounds good.","start":2183.4048,"end":2184.2048,"sentiment":"neutral","sentiment_score":0.20345400273799896},{"text":"Yep.","start":2184.2048,"end":2184.7048,"sentiment":"neutral","sentiment_score":0.2182772755622864}],"sentiment":"neutral","sentiment_score":0.039521313110447445,"num_words":23,"start":2164.5752,"end":2184.7048},{"sentences":[{"text":"Yep.","start":2185.645,"end":2186.145,"sentiment":"neutral","sentiment_score":0.3140803575515747},{"text":"Cool.","start":2188.6848,"end":2189.1848,"sentiment":"positive","sentiment_score":0.5863787531852722},{"text":"Excellent.","start":2189.2449,"end":2189.7449,"sentiment":"positive","sentiment_score":0.6142116785049438},{"text":"And I've already given I've already signed the paperwork for the child born.","start":2189.885,"end":2196.73,"sentiment":"positive","sentiment_score":0.3779173493385315},{"text":"I mean, we can wait, obviously, until we got everything looked at, but because I already signed it, I'm good with the child born being commenced.","start":2196.95,"end":2206.25,"sentiment":"positive","sentiment_score":0.4004086668674762}],"sentiment":"positive","sentiment_score":0.40091003974278766,"num_words":42,"start":2185.645,"end":2206.25},{"sentences":[{"text":"Because it worth like, you know, you probably don't have time anyway, but I was like, I'm happy for that to proceed now rather than wait until everything else is is decided.","start":2206.31,"end":2217.755,"sentiment":"positive","sentiment_score":0.3509260877035558},{"text":"But it's only two weeks.","start":2220.855,"end":2221.815,"sentiment":"neutral","sentiment_score":0.18005319833755493},{"text":"It doesn't really matter.","start":2221.815,"end":2222.795,"sentiment":"neutral","sentiment_score":0.1321876347064972},{"text":"Yep.","start":2227.74,"end":2228.24,"sentiment":"neutral","sentiment_score":0.11070658266544342},{"text":"Okay.","start":2228.4602,"end":2228.9602,"sentiment":"neutral","sentiment_score":0.06524478644132614}],"sentiment":"neutral","sentiment_score":0.2984791327007981,"num_words":43,"start":2206.31,"end":2228.9602},{"sentences":[{"text":"Yeah.","start":2246.305,"end":2246.625,"sentiment":"neutral","sentiment_score":0.24087856709957123},{"text":"Yeah.","start":2246.625,"end":2246.945,"sentiment":"neutral","sentiment_score":0.2618352174758911},{"text":"That's that's that makes sense.","start":2246.945,"end":2248.385,"sentiment":"positive","sentiment_score":0.38867356777191164},{"text":"Yeah.","start":2248.385,"end":2248.885,"sentiment":"positive","sentiment_score":0.4688233733177185},{"text":"That's good.","start":2249.0251,"end":2249.845,"sentiment":"positive","sentiment_score":0.7219208776950836}],"sentiment":"positive","sentiment_score":0.43587467521429063,"num_words":10,"start":2246.305,"end":2249.845},{"sentences":[{"text":"Excellent.","start":2250.945,"end":2251.425,"sentiment":"positive","sentiment_score":0.7655472755432129},{"text":"Alright.","start":2251.425,"end":2251.825,"sentiment":"positive","sentiment_score":0.6147672533988953},{"text":"Sounds wonderful.","start":2251.825,"end":2252.645,"sentiment":"positive","sentiment_score":0.7645969986915588},{"text":"Wonderful.","start":2257.27,"end":2257.77,"sentiment":"positive","sentiment_score":0.6926710605621338},{"text":"Appreciate your help and letting me use you as a sounding board.","start":2258.1501,"end":2262.49,"sentiment":"positive","sentiment_score":0.6703615287939707}],"sentiment":"positive","sentiment_score":0.6850892901420593,"num_words":17,"start":2250.945,"end":2262.49},{"sentences":[{"text":"Oh, great.","start":2267.495,"end":2268.3152,"sentiment":"positive","sentiment_score":0.6482887864112854},{"text":"Okay.","start":2270.695,"end":2271.195,"sentiment":"positive","sentiment_score":0.46737298369407654},{"text":"Well, I mean, at least it's a positive event, and everyone seems to be on board with it.","start":2282.78,"end":2286.54,"sentiment":"positive","sentiment_score":0.7118342618147532},{"text":"Sorry.","start":2286.54,"end":2287.04,"sentiment":"neutral","sentiment_score":0.042052071541547775},{"text":"Wonderful.","start":2298.195,"end":2298.695,"sentiment":"positive","sentiment_score":0.7557910680770874}],"sentiment":"positive","sentiment_score":0.6684700177739495,"num_words":23,"start":2267.495,"end":2298.695},{"sentences":[{"text":"Thank you so much.","start":2298.7551,"end":2299.5552,"sentiment":"positive","sentiment_score":0.8413878381252289},{"text":"Appreciate it.","start":2299.5552,"end":2300.5352,"sentiment":"positive","sentiment_score":0.7805859744548798},{"text":"Bye.","start":2304.1328,"end":2304.6328,"sentiment":"neutral","sentiment_score":0.1989557445049286}],"sentiment":"positive","sentiment_score":0.732239863702229,"num_words":7,"start":2298.7551,"end":2304.6328}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Ainsley. It's Larissa from Rickview Financial. How are you going?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Yeah. Good. Good.\n\nChannel 1: Are you sorry?\n\nChannel 0: How's\n\nChannel 1: You have\n\nChannel 0: that?\n\nChannel 1: a cold.\n\nChannel 0: Oh, yeah. Just a change in the season. Just a head cold. Bloody\n\nChannel 1: Oh, hopefully,\n\nChannel 0: thing.\n\nChannel 1: it goes away quickly.\n\nChannel 0: Yeah. Oh, it's okay. You just pushed through. Now how are you going? How's being back stateside, I guess?\n\nChannel 1: Good. Weird. It's so I don't know. Just such a change of pace at the moment. So, I mean, we're just pretty much packing up the house, and then we're gonna head back to Europe in, I think, about two weeks.\n\nSo, yeah, it's nice to be home, but also because, obviously, we have to pack everything up. It's no longer home either. So\n\nChannel 0: Yeah. Well, so what what are your I guess, what what's what's the full plan for you moving forward at the moment?\n\nChannel 1: well, it's it's still a bit quite loose at the moment. My landlord's where I maintained my house for overseas. They've got family that need the house, so we came home to kinda pack up and reassess everything, and I decided that we're not gonna travel around Australia quite yet because there's still more things in Europe I wanna do before we're all kinda get to school age or preschool age. So I think we're gonna we're we're going back to to London and then back into Europe for another six months at this stage, and that's as far as I've kinda thought about it.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. That's hello.\n\nChannel 1: Yeah. So it it's great. It's it's it's really nice. I mean, coming home early to put a bit of a spanner in the works, but it's just part of the way it is. But that's also you know, it kinda helped refine on our way.\n\nThere's still things that we're doing in Europe, so we're staying a little bit longer. So yeah.\n\nChannel 0: So you're\n\nChannel 1: But\n\nChannel 0: packing up everything in the house here in Australia?\n\nChannel 1: yes. Yeah. Just they need the house, so we just obviously, every a lot of things he's grown out of now because he was a baby when we left, and now he's almost older than a toddler. So getting rid of few things and showing off of a few things and then putting everything else in storage until we come back and go from there, really. So yeah.\n\nYeah. It's very cathartic being being back and kinda going through everything. And it's a thing living out of the suitcase for so long and having, like, three outfits on repeat. I come back and I'm just like, oh my god. Why do I have so much shit in my house?\n\nLike, do I really need 64 cups?\n\nChannel 0: Yep. Yeah. You you you're so used to the minimalist minimalist lifestyle, but the other things around you, you realize you don't really need.\n\nChannel 1: Yeah. Yeah. Absolutely. Yeah. It's been a bit of a it's probably the biggest kind of shock for coming back.\n\nI didn't realize how how much I'd be overwhelmed with the things that we accumulate and yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Well, no time like present to cull and downside.\n\nChannel 1: That's right. Yes.\n\nChannel 0: And I'm assuming you said everything's going into storage, so that'll decrease your overall expenses as well.\n\nChannel 1: It it will. It will because I won't be paying rent, but then it like, oh, I mean, I've already I've already spending the money, but we're spending more time in Europe rather than in England where I had a base where I wasn't paying for accommodation. So the accommodation hotels and all that kind of stuff, that's gonna increase a little bit more. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: And we spend a bit more I had a surgery and a few other things to get addressed. So I spent more prior to coming back than I expected to. So it's yeah. I was like, oh, this is a good time to reevaluate financially everything.\n\nChannel 0: Yeah. So did you did you did you you said you you said you had you had had a surgery or you're having a surgery?\n\nChannel 1: Both, actually. So in, like, two days, I'm going in and having a surgery, and I had a surgery in January as well. They're cosmetic surgery. So I had I had a face lift in Thailand in January,\n\nChannel 0: Get it. Go.\n\nChannel 1: and I'm having a arm lift in, like, two days, which I previously had, but this is just a revision. Because I think over the last two years, I've lost, like, 55 kilos. So I'm quite small now, but I have and and, obviously, with post baby skin stretching and things like that, I have a bit of, like, excess skin and bits and pieces and yeah. So I was like, well, I have a bit of financial freedom to do it. I'm going to do you know, the little things that bother me.\n\nChannel 0: The year.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's it. So yeah. So I don't know. My sister was like because she's had a lot of surgeries as well.\n\nShe's got a bit of weight too. And she she went and had, like, a tummy tuck and I thought I left. And she went all the whole work. So I'm like, I don't need to go that far. But it's just my my arms pretty much get that corrected.\n\nAnd then I'll be more comfortable and, you know, in hot weather and things like that. So yeah. A little bit for me, and and then I can live the best life for Lauren as well.\n\nChannel 0: No. I love that. No. Do for you. There's nothing wrong with that at all.\n\nChannel 1: Thank you.\n\nChannel 0: Amazing. Okay. So I guess if we get down to the nuts and bolts of it, what I guess, things have sort of changed in your life and and where things are. What do we wanna do with everything? Because we haven't progressed with any of the recommendations that we've so how would you like to, I guess, look at things now with the changes that have\n\nChannel 1: Yeah.\n\nChannel 0: happened?\n\nChannel 1: Well, I guess the price so I sent through a form, but, obviously, there was a few different changes and only, I think, weary actions with super and the insurance is being on\n\nChannel 0: Yes.\n\nChannel 1: hold.\n\nChannel 0: Yes.\n\nChannel 1: And then the next kind of priority for me was for setting up Ryland for the future. So the child building builder bond that we're going to\n\nChannel 0: Yeah.\n\nChannel 1: go with what was recommended, I wanted to go ahead with that. But\n\nChannel 0: Yeah.\n\nChannel 1: my questions pretty much were, you recommended $10,000,\n\nChannel 0: Yep.\n\nChannel 1: and I'm like, that's great. Comfortable with that. However, while I do have the money now, should I actually put in a little bit more given that when I was reading through the, I guess, terms and conditions, it was saying that in the future years excuse me. In the future years when I'm putting in more money on a regular basis, that I can go up to a 125% of the initial investment. So I it's pretty much maximizing what I can put in there in the future should I be able to.\n\nSo should I be putting in a little bit more than the 10,000 in initial investment, so closer to 15 or 20,000, to be able to maximize what I can put in later. Does that make sense?\n\nChannel 0: Yeah. Yeah. It does. It's I guess it's a it's a it's a two pronged I guess it's it's two sides of the same coin, I guess, is, yes, we can put in more now. The issue is is making sure that you obviously have the cash flow to continue living.\n\nChannel 1: Mhmm.\n\nChannel 0: If you put the money in now like, let's just say you do put in $20 now and double the initial investment, pulling it out, not so like, it's not as impossible but not so easy\n\nChannel 1: Mhmm.\n\nChannel 0: versus if we put $10 in and, say, do a regular contribution to it. So each month, you put $50 in. It means that we can stop the $50 contribution if something changes for you.\n\nChannel 1: Mhmm. Yeah. Of course. And we yeah. Sorry.\n\nBecause I is it this is one thing I was in some get is is it a ten it was a ten year investment and then I get three invested. Should I choose? Was that right?\n\nChannel 0: So it's so\n\nChannel 1: Mhmm.\n\nChannel 0: it's a bond, but yeah. It's a bond. And, basically, the bond is specifically set up it's it's actually set up under\n\nChannel 1: Mhmm.\n\nChannel 0: your son's name, but you're basically, like, the trustee for it. The money can be withdrawn, but very, very restricted reasons for withdrawal. It basically has to be for him specifically. In ten years' time, the money is tax free upon withdrawal. Anywhere\n\nChannel 1: Mhmm.\n\nChannel 0: between year one and year 10, the money when withdrawn is basically treated like any kind of investment. So it's the money that comes out. The interest earned is added to your taxable income, which right now you don't have a taxable income for all intents and purposes,\n\nChannel 1: Yep.\n\nChannel 0: which wouldn't be an issue. But when you do return to work in a couple of years or so, that because your intention is to return to work 2027, 2028?\n\nChannel 1: It will loosely, yes. It will be 2027. Depending if I feel comfortable, like, just balancing the logistics of things. Ideally, it will be I'd like to be able to stay home until around and go to kindergarten, which will be either '28 or '29.\n\nChannel 0: Yeah.\n\nChannel 1: But financially, I think, yeah, it will be probably '20 somewhere in '27. It's probably\n\nChannel 0: Yeah.\n\nChannel 1: mid twenty seven. I'll probably realistically go back to work.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So yeah. So it's if if you need to access the money, it has to be very specifically for Ryland.\n\nChannel 1: Okay. Alright. So if if if it's, like, it's huge money already. Yeah.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: Okay. Alright.\n\nChannel 0: He's the youngest. And\n\nChannel 1: But yeah. Yeah.\n\nChannel 0: and the money could stay invested for longer. Like, that's not an issue. We have, like, basically, a sign over date. So, like, it's an age. So you can sign the money over to him, you know, 18, sixteen, twenty five.\n\nAnd then, basically, that money goes over to him, and it converts from basically a child bond into they're called life builders. I call them adult bonds,\n\nChannel 1: Mhmm.\n\nChannel 0: which means that there's no no child childhood restrictions on them anymore.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: your your name as trustee would be removed.\n\nChannel 1: Oh, okay. Yep. Alright. That makes sense. Yep.\n\nOkay. Alright. So then in that case, you're probably right. 10,000 is\n\nChannel 0: Because\n\nChannel 1: a good safe\n\nChannel 0: real\n\nChannel 1: bet.\n\nChannel 0: realistically, you could put more money in. So let's just say in twelve months time when you do return to work, you have leftover money, you know, that you from the assets you currently hold. You could turn around and put another 10 k in then. The only downside and the only thing that happens, which at his age, it's not an issue, is that that ten year bond time frame restocks.\n\nChannel 1: Every time I put more in? Or\n\nChannel 0: If you yeah. If you put a lump sum in, yes.\n\nChannel 1: oh, okay. Yeah. Alright.\n\nChannel 0: But realistically, he's somewhere in the vicinity of two or three. He's not gonna be you're not gonna be wanting him to have the he you don't want him to\n\nChannel 1: No.\n\nChannel 0: have the money at thirteen.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: But\n\nChannel 1: Alright. I\n\nChannel 0: that's\n\nChannel 1: understand.\n\nChannel 0: supposed\n\nChannel 1: Yep.\n\nChannel 0: to be at thirteen when you go to go like, say, when he hits part like, high school because that 13 is about high school.\n\nChannel 1: Yeah.\n\nChannel 0: Is he gonna go to a private school, and will you have the money to be able to fund that? Would the bond be able to step in and help him with funding private school or whatever the case might be? So it's just it's it's what is the purpose of the bond,\n\nChannel 1: Uh-huh.\n\nChannel 0: and does restarting the ten year time frame really affect you? In the first twelve months, probably not because it's just gonna take it from ten to eleven years. But,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, if you get, say, five years into the bond time frame and then you wanna go and put $50,000 in, I'd turn around and say, no. Let's go and start a second bond under his name. And\n\nChannel 1: Oh,\n\nChannel 0: that's the way\n\nChannel 1: okay.\n\nChannel 0: that I have to do as well is we can just start a second one, then they can sit next to each other and do the same thing.\n\nChannel 1: Oh, okay. Alright. Oh, that's good. I didn't I mean, that makes sense. I don't know why I thought I couldn't do that.\n\nYep. Okay. Alright. Okay. Then that sounds good.\n\nThank you for clarifying that. I think then in that case, we'll go we'll still go ahead with, like, the the $10,000 for the that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. Cool.\n\nChannel 1: Okay.\n\nChannel 0: Alright. Well, is it it's just the bond that you're wanting to to initiate, isn't it?\n\nChannel 1: Then I sir, I did have so I was looking on the the particular provider. I think it was generational life that does the child bond.\n\nChannel 0: Yes.\n\nChannel 1: And I is it beneficial for me to have a bond in my name under the generational life builder?\n\nChannel 0: The life yeah. The life builder. I I cheat and call them adult builder.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. They are called life builders. You can. Same rules apply, essentially. The only reason I hadn't done that or recommended for you was because we wanted to originally make sure that I was keeping cash flow\n\nChannel 1: Mhmm.\n\nChannel 0: available for you.\n\nChannel 1: Yeah.\n\nChannel 0: If you're comfortable to put money in and lock it away, that's fine. You\n\nChannel 1: Mhmm.\n\nChannel 0: have an easier time accessing the money that you put into a bond under your name in a life builder than under the child builder bond.\n\nChannel 1: Mhmm.\n\nChannel 0: But the same rules apply. So if you were to withdraw within the ten year time frame, it basically works as any form of investment does that you would be charged tax based on the earnings from like, derived from the asset.\n\nChannel 1: Okay. Yep. That's and and it has to be a ten year term as well for it to be tax\n\nChannel 0: It\n\nChannel 1: free\n\nChannel 0: is\n\nChannel 1: from withdrawal?\n\nChannel 0: a It's a ten year time frame. Yeah. Ten year.\n\nChannel 1: Okay. Alright. But then so just with consideration, you're putting a recommendation for a RDPS account with hub twenty four. Is that Sub24 is the super. So if I was to put that into the super, I wouldn't be able to touch it anyway until\n\nChannel 0: No. So an IDCS is actually an investment account. So it's\n\nChannel 1: oh.\n\nChannel 0: held in a it's held in a personal name, not in a super so Hub twenty four is an investment platform.\n\nChannel 1: Mhmm.\n\nChannel 0: Yes. They have a superannuation trustee where your money could be held in a super environment, but they also have, like, an investment ownership structure as well where the ownership would be owned by you personally and would enable you to invest under their platform, but it's owned by you. So it's fully accessible at any point in time that you need to access the money. You know, we can set up income streams to make sure that you're still you'll earn like, we can set up an income stream so the money comes to you regularly and is paid to you\n\nChannel 1: Okay. Where,\n\nChannel 0: and and\n\nChannel 1: where's the life builder? It's locked away.\n\nChannel 0: goes\n\nChannel 1: So\n\nChannel 0: like,\n\nChannel 1: it gives\n\nChannel 0: yeah. Essentially,\n\nChannel 1: so the\n\nChannel 0: the life building is lost the most ten years. Yeah.\n\nChannel 1: okay. Alright. So one gives me more flexibility to utilize,\n\nChannel 0: Mhmm.\n\nChannel 1: and the other one locks it away. Is the\n\nChannel 0: Correct.\n\nChannel 1: return on one or the other better, like, with consideration of fees and all that kind of stuff?\n\nChannel 0: With the Hub twenty four account, the fees are higher because it's a full investment menu\n\nChannel 1: Mhmm.\n\nChannel 0: versus your Budget Generation Life. It is actually really, really, really low fees, which is nice, but they're two very, very different products. One's an investment account. So it's it's basically an it's basically a think of it like a high interest bank account. So your money is sitting in a bank account and it's invested in the\n\nChannel 1: Mhmm.\n\nChannel 0: in in the market and it's earning money. It also has the risk of losing money, obviously. And that money sits over there in an account that you can't touch, but we can set up the you know, money is transferred to you, say, quarterly or half yearly or yearly to basically live on.\n\nChannel 1: Okay.\n\nChannel 0: The other the other flip side to that is that your Generation Life account, they have a very it's not it's honestly not that small. Like, they do have a decent investment menu. It's nowhere near the thousands of options that Hub twenty four has, but they have, you know, maybe somewhere between twenty and forty investment options. And, yeah, that it is really low cost, but the downside is is that it's\n\nChannel 1: Lots.\n\nChannel 0: it's ten year lock.\n\nChannel 1: Okay. Would it be beneficial to kind of have both?\n\nChannel 0: Well, what\n\nChannel 1: Just\n\nChannel 0: I was gonna\n\nChannel 1: one\n\nChannel 0: say is\n\nChannel 1: secures the money for for a longer term. So then it's like future planning long term planning.\n\nChannel 0: Yeah.\n\nChannel 1: Whereas they have 24, as you said, it gives them the flexibility, ability to have income from it, that kinda stuff. So is it worth putting having the two accounts?\n\nChannel 0: Definitely. The the other option is is that in, say let's just say twelve months, because twelve months will be halfway through 2027, which is roughly your time frame to return to work, is we can always set up the Life Builder Bond in twelve months' time. So that way, if anything happens in the next twelve months while you're traveling, as you said, you're planning on going around Europe rather than England where you have free accommodation, so depending on your accommodation costs. I mean, if if you've got a solid budget and you know exactly what you're planning to spend over the next twelve months, then, you know, I'd be comfortable to definitely set it up now.\n\nChannel 1: Mhmm.\n\nChannel 0: But we also need to be conscious of relocating back to Australia, reestablishing yourself in a home here, and then what that looks like to return to work and everything like that as well.\n\nChannel 1: Yeah.\n\nChannel 0: So there's just, like, those I guess, few considerations before we go and lock money away. I'm more than happy to do it. Like, I really am happy to do it. I just wanna\n\nChannel 1: Okay. Yeah.\n\nChannel 0: make sure that we're jumping with two feet, not hesitating, kind\n\nChannel 1: Yeah.\n\nChannel 0: of thing.\n\nChannel 1: Yeah. Yeah. Yeah. Absolutely. I mean, at the end of the day, my concern is, like, I've spent more money than I originally planned at this point in time.\n\nI mean, obviously, I had surgeries and things like that that came up after I spoke to you last time,\n\nChannel 0: Yep.\n\nChannel 1: which is really the reason why I spent more money. But because it's sitting there, I'm like, oh, I've got the money. I can spend it. It's fine. And that's not a financially sound reason, really.\n\nChannel 0: Yeah.\n\nChannel 1: And then it's also, well, if you're sitting in the bank account, it's not working for me. So if I don't do something with it, even if it's, you know, realistically, even if it's small and I put it in an account that I don't look at and don't touch, it's not visibly available to me. Whereas if it's now, just seeing an account that I access every day, I'm like, I feel like a rich bitch. I can be like, oh, it's fine. We're gonna go out for lunch every day to eat pasta at home.\n\nChannel 0: Yes.\n\nChannel 1: So mentally, I'm being privileged with money when I really should be doing something with it. So even if it's just hiding it from my everyday god underneath. Is that right?\n\nChannel 0: Yep.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: I got it.\n\nChannel 1: So it's if I was to put it into not a a generational life bond and lock it forever, but if I still put it, you know, some of it into I have 24 investment accounts, it will be working for me but still accessible\n\nChannel 0: Yep.\n\nChannel 1: in twelve to eighteen to two years when I will be like,\n\nChannel 0: Yep.\n\nChannel 1: oh, yep. Now I wanna buy a house or something\n\nChannel 0: Yep.\n\nChannel 1: like that.\n\nChannel 0: But, realistically,\n\nChannel 1: Yep.\n\nChannel 0: it would be accessible from day one as\n\nChannel 1: Okay.\n\nChannel 0: well.\n\nChannel 1: Alright.\n\nChannel 0: Well, if if you emailed me and said, hey. I need to access this money, I'd go, well I guess the the the the benefit is is that there's gonna be a lack of balance. You're gonna email me and say, hey. I need this money, and I'm gonna email back and say, are we being frivolous, or are we is it because we actually have a have a have a determined need? We set this account up for this, this, and this reason.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Oh,\n\nChannel 0: it's just\n\nChannel 1: that's\n\nChannel 0: I\n\nChannel 1: nice.\n\nChannel 0: guess it's a bit of a check and balance.\n\nChannel 1: Yes.\n\nChannel 0: I'm\n\nChannel 1: That's\n\nChannel 0: not\n\nChannel 1: really\n\nChannel 0: I'm not\n\nChannel 1: good.\n\nChannel 0: gonna say no if you turn around and say I need the money. Like, that that's I wanna be really clear. I'm not gonna say no to you. It is your money. I'm not I'm I'm not doing that.\n\nBut it does it does provide a check and balance. So I have plenty of clients that exactly like you, they they they sold everything up. They're traveling, and we do something similar to this. And it is a check and balance. I email and they say, we need we need $20.\n\nI'm like, okay. Can I ask why?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: We go from there.\n\nChannel 1: Yeah. That I mean, that's nice to have a bit of a sounding board so you stop and actually think about something which, to be honest with it's like you're my student partner financially because, like, you're the person that goes, really? Are you sure?\n\nChannel 0: Yeah.\n\nChannel 1: It's he, but are you sure?\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Okay. I like that. That's good. I think I need that.\n\nOkay. So, well, in in that case, I think there's not there's not a negative in my mind in putting some money into a HUB24 IDSL investment account or whatever it's called.\n\nChannel 0: Yeah.\n\nChannel 1: Because it's better than just sitting in my account with, like, minimal interest. Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Can I how much money do you have remaining now?\n\nChannel 1: Pretty much, it's sitting at a 164, 62,000 or something like that.\n\nChannel 0: 100 and so let's just call it a 160. Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, okay. And if I remember correctly, twelve months I could just look at the document. It's literally sitting in front of me.\n\nChannel 1: Yep.\n\nChannel 0: But if I remember correctly, twelve months worth of your living expenses was sitting around the $50 a year mark.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Okay. So you'd how much money do you wanna keep liquid for yourself for the next twelve months? Like, how much do you wanna keep in your account?\n\nChannel 1: Probably 50,000.\n\nChannel 0: Cool. And then we invest the rest. So that would be, say, 10 we could still go with $10,000 to the child's bond. We could increase it to 15 if you would like to, but let's just say $10 to the child bond, and then we can put the hunt we could put a $100 into the IDPS.\n\nChannel 1: Yes. But then backtracking sorry. A little bit.\n\nChannel 0: No.\n\nChannel 1: Should\n\nChannel 0: No.\n\nChannel 1: should we put some I just said we like we're a couple. That's so weird. Sorry. Should I should I put, like, some into that the long term bond as well? So kind of put have the IDPS and the long term bond.\n\nSo some, like, you know, some of it's accessible. Like, we what it is gonna be weird. If I were to put both into, say, split it between the IDPS and the\n\nChannel 0: The phone.\n\nChannel 1: the other one, and say I I I wouldn't touch either of them for ten years, which\n\nChannel 0: Mhmm.\n\nChannel 1: would come out financially better.\n\nChannel 0: That's\n\nChannel 1: Like,\n\nChannel 0: an\n\nChannel 1: is\n\nChannel 0: excellent question, and that's something I can figure out.\n\nChannel 1: yeah. Because it I mean, I know that they're different services.\n\nChannel 0: Different from Honda, different everything. Yeah.\n\nChannel 1: Yeah. But it's like it's like it's hard to compare apples to apples, but at the end of the day, like, if I've I have enough cash here at the moment that I can lock it some of it away. Like, there's nothing foreseeable where I'm gonna be like, shit. I need to pull out the 160,000 I have and spend it right now.\n\nChannel 0: Yes.\n\nChannel 1: And even, like, realistically, I'm not even in a position to be buying a house right now because I'm not working, and I won't until at least twelve months after I start work. So when I look at it, that's, like, three years on track.\n\nChannel 0: Yes.\n\nChannel 1: So it's not like I need to undo what's locked away, but it's also future proofing. Like, if it's locked if it is locked away, although it's my money, it's not my money to use right now. And then in my mind, I won't rely on it. Does that make sense? Yeah.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: It yeah. So just wanted to be work work out. Is it is it is it worth splitting it between those two different types accounts even if it's, like, a eighty twenty split? What's gonna be better than just locking all of it? Not locking it all of the way, but putting it all in the IDPS.\n\nChannel 0: Yeah. Like, the the benefits of the child bond are that it's it's completely tax free. So\n\nChannel 1: Oh, no. No. Sorry.\n\nChannel 0: investment\n\nChannel 1: Not not not for the child bond. The generational life one.\n\nChannel 0: yeah. Sorry. That's what I meant as well anyway.\n\nChannel 1: Oh, okay.\n\nChannel 0: The I know. I'm not saying the right words, but the benefits of the bond are that it's tax free upon withdrawal versus the IDPS is not tax free upon withdrawal.\n\nChannel 1: Go ahead.\n\nChannel 0: So the investment returns but there are gonna be investment return differences, and that's purely because the menus are different, the offerings are different. I I can still model it up to compare it, but upon withdrawal, you know exactly what you're gonna get from the bond versus with the IDPS, there's the tax implications that we have to take in consideration, which I can\n\nChannel 1: Yeah.\n\nChannel 0: still take into consideration when I'm modeling everything. But if realistically speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left. That 100\n\nChannel 1: Yeah.\n\nChannel 0: thousand, we like, it is a decent deposit for a house, but you are right. Over the next two or three years, that 100,000 will grow. Or even if we say 70 or 80,000 will grow into a 100 plus thousand. And the remaining, you know, 20 or 30,000, we could put into a life bond for yourself for future planning in ten year time, where, let's just say, in three years, you go do go take a mortgage out, you know, over over the seven years from, you know, during that period, you pay it out the mortgage at the maturity date of the bill of the bond, you'll have a decent lump sum that will help you knock off the mortgage.\n\nChannel 1: Yeah.\n\nChannel 0: And we can kinda plan it that way where we're locking away money that helps you to knock the mortgage off at least, you know, depending on what kind of house you buy and the price and all the rest of it, but\n\nChannel 1: Yeah.\n\nChannel 0: knock a decent\n\nChannel 1: Yeah.\n\nChannel 0: chunk of the mortgage off in ten years' time. So\n\nChannel 1: Yeah.\n\nChannel 0: seven years into the the life of the the loan.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: It'll put you in a lot lot better of a, yeah, of a financial state than if you were to if you were to keep the money. Yeah. No. Like, it definitely definitely definitely strategy wise works and would help you out. And the benefits are that it's tax free in ten years' time, so it's not gonna it's not gonna not implicate.\n\nImpact. Wow. It's not gonna impact your income in ten years' time when you are working. Whereas with yeah. No.\n\nI actually really like it. I I really, really like it. Like, I'll model it out,\n\nChannel 1: Mhmm.\n\nChannel 0: but I do really like it. Now the question is is how how much do we split between the two? I probably I anything more than $60.40 just\n\nChannel 1: Mhmm.\n\nChannel 0: off the top of my head without modeling it yet. I wouldn't go anything more than $60.40 60 to the IDPS 40 to the bond\n\nChannel 1: Mhmm.\n\nChannel 0: just because we wanna\n\nChannel 1: Yeah.\n\nChannel 0: build you to have a decent deposit for a house in three years' time.\n\nChannel 1: Yeah.\n\nChannel 0: Realistically, how this is this is gonna be this will be the this will be the this will be the this will be the question that will help me clarify how much I split between the two.\n\nChannel 1: Mhmm.\n\nChannel 0: When you do buy a house in three years, what size house are we looking at? What\n\nChannel 1: Probably\n\nChannel 0: would be your budget?\n\nChannel 1: oh, well, it's really hard to tell because Mark is disgusting at the moment.\n\nChannel 0: Yeah. I know.\n\nChannel 1: I can tell you the type of house I want, but financially how much it is, I don't know because I don't this is the challenge is that I I'm in Canberra at the moment. Market well, I'm in Canberra region at the moment. The market here is equivalent to Sydney and Melbourne. It's just unrealistic. So I probably depending on what job I end up getting, if it's back onto the income or more that I was prior to having my son, then I would be comfortable, you know, 800, $900,000.\n\nBut if I then return back to work part time or a much lower level, I probably may not ever be able to afford to have a house if I stay in this area. And I think this is what I've gotta decide in the next probably six to twelve months is, like, where do I where do we end up? Because I if I and I'm sorry. I'm just thinking out loud, but to give you some of my thinking process. If I if, you know, I say in Canberra, the the sooner I'll have to go back to work, but the higher the income I could potentially have.\n\nWhereas if I move to, like, I don't know, Newcastle, housing's cheaper, but the income won't be as high either. So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, I mean, I think that's probably my difficulty. Probably why I'm just continuing to go back to Europe as well is because so you're sort of big. I don't know where I wanna be. And, yeah, I mean, that's why I wouldn't be in a position to buy a house for a long time because I just, you know, don't know if I wanna settle in Canberra long term. And I I don't really feel like I wanna buy a house for three years and then sell it and buy another house kinda thing.\n\nLike\n\nChannel 0: Absolutely.\n\nChannel 1: god. Sorry. I'm just my head is just processing it at the moment, but I would say comfortably on my total income, if I was to go back into the range that I was at previously, then anywhere between 600 and 800,000, I would be comfortable with, I think.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's it. Alright.\n\nChannel 1: Sorry.\n\nChannel 0: So\n\nChannel 1: Took me a while\n\nChannel 0: what\n\nChannel 1: to get\n\nChannel 0: I'll\n\nChannel 1: there.\n\nChannel 0: do no. You are so fine, hon. You are so fine. So what I'll do is I will model things out with an aim to have a $200,000 deposit\n\nChannel 1: Mhmm.\n\nChannel 0: in three years and see what that looks like as to which how how much we split where\n\nChannel 1: Mhmm. Yep. Okay.\n\nChannel 0: and see what that kind of lands us with.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, as you said, three years is, like, the lower end of the earliest you'd look at buying a house. But, yeah, I'll I'll do that and figure that out, and then I'll come back to you with the bits and pieces. So you said you leave in two weeks' time. Okay. I will have it done within the two week time frame.\n\nDo you have a specific date you leave?\n\nChannel 1: Yep. No. I haven't brought to the flight as of yet. So why why why say two weeks? It could be longer.\n\nIt just it just depends on how long it takes me to finish packing up and a bit of recovery from surgery and things like that. So two weeks is the goal. It could be longer. But, I\n\nChannel 0: Okay.\n\nChannel 1: mean, when\n\nChannel 0: Well,\n\nChannel 1: I say\n\nChannel 0: are you\n\nChannel 1: what\n\nChannel 0: comfortable\n\nChannel 1: I'm talking about,\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: do extra weeks.\n\nChannel 0: yeah. Are you comfortable if I get everything done, drawn up, and we chat again on the nineteenth, and I can present it to you? That's Friday,\n\nChannel 1: Let\n\nChannel 0: the eighth.\n\nChannel 1: me just yep. Yep. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good. Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep. Cool. Excellent. And I've already given I've already signed the paperwork for the child born. I mean, we can wait, obviously, until we got everything looked at, but because I already signed it, I'm good with the child born being commenced.\n\nBecause it worth like, you know, you probably don't have time anyway, but I was like, I'm happy for that to proceed now rather than wait until everything else is is decided. But it's only two weeks. It doesn't really matter.\n\nChannel 0: Yeah. Let's let's wait, and we can we can just we could do all the accounts at the same time\n\nChannel 1: Yep. Okay.\n\nChannel 0: because we can set up that out and the, like, the the life builder and the child bond, like, together and invest them side by side. So that way, they have the same start date, same maturity date. And it'll just make it easier for you from a mental planning point of view.\n\nChannel 1: Yeah. Yeah. That's that's that makes sense. Yeah. That's good.\n\nExcellent. Alright. Sounds wonderful.\n\nChannel 0: Oh, I will talk to you in two weeks then.\n\nChannel 1: Wonderful. Appreciate your help and letting me use you as a sounding board.\n\nChannel 0: But that's okay. It was the best couple conversation I've had.\n\nChannel 1: Oh, great.\n\nChannel 0: I I love\n\nChannel 1: Okay.\n\nChannel 0: the we. Honestly, you you most clients actually talk in a we situation, so you are actually fine. I'm I'm pretty sure I'm pretty sure I'm the side piece to many, many relationships.\n\nChannel 1: Well, I mean, at least it's a positive event, and everyone seems to be on board with it. Sorry.\n\nChannel 0: Yeah. No. Alright. Well, I'll I'll go I'll talk to you in two weeks. I'll get started on everything on my side.\n\nAnd, yeah, if you have any questions, just let them email through.\n\nChannel 1: Wonderful. Thank you so much. Appreciate it.\n\nChannel 0: And that that's okay. Speak soon, Ainsley.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.05694076418876648}],"sentiment":"neutral","sentiment_score":0.05694076418876648,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good morning, Ainsley.","start":2.48,"end":3.6999998,"sentiment":"positive","sentiment_score":0.3561352988084157},{"text":"It's Larissa from Rickview Financial.","start":3.76,"end":5.44,"sentiment":"neutral","sentiment_score":0.28268101811408997},{"text":"How are you going?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.2779064401984215}],"sentiment":"neutral","sentiment_score":0.2994530623157819,"channel":0,"num_words":12,"start":2.48,"end":6.3399997},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5091310143470764},{"text":"Thanks.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.4988935589790344},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.24612079560756683}],"sentiment":"positive","sentiment_score":0.34927739202976227,"channel":1,"num_words":5,"start":6.3999996,"end":7.8599997},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.96,"sentiment":"neutral","sentiment_score":0.14682811498641968},{"text":"Good.","start":8.96,"end":9.44,"sentiment":"neutral","sentiment_score":0.28809553384780884},{"text":"Good.","start":9.44,"end":9.94,"sentiment":"neutral","sentiment_score":0.17931559681892395}],"sentiment":"neutral","sentiment_score":0.2047464152177175,"channel":0,"num_words":3,"start":8.559999,"end":9.94},{"sentences":[{"text":"Are you sorry?","start":10.24,"end":10.88,"sentiment":"neutral","sentiment_score":0.01744178185860316}],"sentiment":"neutral","sentiment_score":0.01744178185860316,"channel":1,"num_words":3,"start":10.24,"end":10.88},{"sentences":[{"text":"How's","start":10.639999,"end":10.96,"sentiment":"neutral","sentiment_score":-0.00769325066357851}],"sentiment":"neutral","sentiment_score":-0.00769325066357851,"channel":0,"num_words":1,"start":10.639999,"end":10.96},{"sentences":[{"text":"You have","start":10.88,"end":11.2,"sentiment":"neutral","sentiment_score":-0.11342053953558207}],"sentiment":"neutral","sentiment_score":-0.11342053953558207,"channel":1,"num_words":2,"start":10.88,"end":11.2},{"sentences":[{"text":"that?","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":-0.046233270317316055}],"sentiment":"neutral","sentiment_score":-0.046233270317316055,"channel":0,"num_words":1,"start":10.96,"end":11.46},{"sentences":[{"text":"a cold.","start":11.2,"end":11.78,"sentiment":"neutral","sentiment_score":-0.2485406994819641}],"sentiment":"neutral","sentiment_score":-0.2485406994819641,"channel":1,"num_words":2,"start":11.2,"end":11.78},{"sentences":[{"text":"Oh, yeah.","start":12.495,"end":13.455,"sentiment":"neutral","sentiment_score":-0.15428532660007477},{"text":"Just a change in the season.","start":13.455,"end":14.915,"sentiment":"neutral","sentiment_score":-0.17485673477252325},{"text":"Just a head cold.","start":15.215,"end":16.435001,"sentiment":"neutral","sentiment_score":-0.23046476021409035},{"text":"Bloody","start":17.055,"end":17.535,"sentiment":"neutral","sentiment_score":-0.24073243141174316}],"sentiment":"neutral","sentiment_score":-0.19386942570026106,"channel":0,"num_words":13,"start":12.495,"end":17.535},{"sentences":[{"text":"Oh, hopefully,","start":17.345,"end":17.925,"sentiment":"neutral","sentiment_score":-0.18640639632940292}],"sentiment":"neutral","sentiment_score":-0.18640639632940292,"channel":1,"num_words":2,"start":17.345,"end":17.925},{"sentences":[{"text":"thing.","start":17.535,"end":18.035,"sentiment":"neutral","sentiment_score":-0.1688915491104126}],"sentiment":"neutral","sentiment_score":-0.1688915491104126,"channel":0,"num_words":1,"start":17.535,"end":18.035},{"sentences":[{"text":"it goes away quickly.","start":18.945,"end":20.005,"sentiment":"neutral","sentiment_score":-0.22064606100320816}],"sentiment":"neutral","sentiment_score":-0.22064606100320816,"channel":1,"num_words":4,"start":18.945,"end":20.005},{"sentences":[{"text":"Yeah.","start":21.215,"end":21.615,"sentiment":"neutral","sentiment_score":-0.012002427130937576},{"text":"Oh, it's okay.","start":21.615,"end":22.335,"sentiment":"neutral","sentiment_score":0.052397275964419045},{"text":"You just pushed through.","start":22.335,"end":23.555,"sentiment":"neutral","sentiment_score":0.09642532281577587},{"text":"Now how are you going?","start":25.72,"end":26.52,"sentiment":"neutral","sentiment_score":0.10012959986925125},{"text":"How's being back stateside, I guess?","start":26.52,"end":29.9,"sentiment":"neutral","sentiment_score":0.034017095963160195}],"sentiment":"neutral","sentiment_score":0.06503375090266529,"channel":0,"num_words":19,"start":21.215,"end":29.9},{"sentences":[{"text":"Good.","start":31.9,"end":32.4,"sentiment":"neutral","sentiment_score":0.19960296154022217},{"text":"Weird.","start":33.739998,"end":34.239998,"sentiment":"neutral","sentiment_score":0.06362900882959366},{"text":"It's so I don't know.","start":34.699997,"end":37.52,"sentiment":"neutral","sentiment_score":-0.058395720273256305},{"text":"Just such a change of pace at the moment.","start":37.579998,"end":39.92,"sentiment":"neutral","sentiment_score":-0.08548514089650577},{"text":"So, I mean, we're just pretty much packing up the house, and then we're gonna head back to Europe in, I think, about two weeks.","start":39.98,"end":49.445,"sentiment":"neutral","sentiment_score":-0.020684658214449883}],"sentiment":"neutral","sentiment_score":-0.03207876474210402,"channel":1,"num_words":41,"start":31.9,"end":49.445},{"sentences":[{"text":"So, yeah, it's nice to be home, but also because, obviously, we have to pack everything up.","start":49.505,"end":56.300003,"sentiment":"neutral","sentiment_score":0.04073270125424161},{"text":"It's no longer home either.","start":56.300003,"end":57.660004,"sentiment":"neutral","sentiment_score":-0.14347767531871797},{"text":"So","start":57.660004,"end":58.160004,"sentiment":"neutral","sentiment_score":-0.008466649800539017}],"sentiment":"neutral","sentiment_score":-0.0014521350031313689,"channel":1,"num_words":23,"start":49.505,"end":58.160004},{"sentences":[{"text":"Yeah.","start":59.03,"end":59.53,"sentiment":"neutral","sentiment_score":0.01183524914085865},{"text":"Well, so what what are your I guess, what what's what's the full plan for you moving forward at the moment?","start":60.149998,"end":65.465,"sentiment":"neutral","sentiment_score":0.02772921079858428}],"sentiment":"neutral","sentiment_score":0.027006757995960386,"channel":0,"num_words":22,"start":59.03,"end":65.465},{"sentences":[{"text":"well, it's it's still a bit quite loose at the moment.","start":66.380005,"end":70.995,"sentiment":"neutral","sentiment_score":-0.11790832911025394},{"text":"My landlord's where I maintained my house for overseas.","start":72.33501,"end":76.275,"sentiment":"neutral","sentiment_score":-0.08904082535041703},{"text":"They've got family that need the house, so we came home to kinda pack up and reassess everything, and I decided that we're not gonna travel around Australia quite yet because there's still more things in Europe I wanna do before we're all kinda get to school age or preschool age.","start":76.735,"end":92.98,"sentiment":"neutral","sentiment_score":-0.07206183306726754},{"text":"So I think we're gonna we're we're going back to to London and then back into Europe for another six months at this stage, and that's as far as I've kinda thought about it.","start":92.98,"end":104.685,"sentiment":"neutral","sentiment_score":-0.03633784951970858}],"sentiment":"neutral","sentiment_score":-0.06675237541397412,"channel":1,"num_words":105,"start":66.380005,"end":104.685},{"sentences":[{"text":"No.","start":107.25,"end":107.65,"sentiment":"neutral","sentiment_score":-0.04924797639250755}],"sentiment":"neutral","sentiment_score":-0.04924797639250755,"channel":0,"num_words":1,"start":107.25,"end":107.65},{"sentences":[{"text":"Yeah.","start":107.32,"end":107.82,"sentiment":"neutral","sentiment_score":-0.00788942538201809}],"sentiment":"neutral","sentiment_score":-0.00788942538201809,"channel":1,"num_words":1,"start":107.32,"end":107.82},{"sentences":[{"text":"That's okay.","start":107.65,"end":108.47,"sentiment":"neutral","sentiment_score":0.04468518774956465},{"text":"That's hello.","start":109.16,"end":109.99,"sentiment":"neutral","sentiment_score":0.10652247071266174}],"sentiment":"neutral","sentiment_score":0.0756038292311132,"channel":0,"num_words":4,"start":107.65,"end":109.99},{"sentences":[{"text":"Yeah.","start":110.76,"end":111.08,"sentiment":"neutral","sentiment_score":0.24600201845169067},{"text":"So it it's great.","start":111.08,"end":112.200005,"sentiment":"positive","sentiment_score":0.5309126749634743},{"text":"It's it's it's really nice.","start":112.200005,"end":113.740005,"sentiment":"positive","sentiment_score":0.6350319743156433},{"text":"I mean, coming home early to put a bit of a spanner in the works, but it's just part of the way it is.","start":113.8,"end":119.240005,"sentiment":"neutral","sentiment_score":0.26264669249455136},{"text":"But that's also you know, it kinda helped refine on our 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you're","start":129.36,"end":129.76,"sentiment":"neutral","sentiment_score":0.02647022996097803}],"sentiment":"neutral","sentiment_score":0.02647022996097803,"channel":0,"num_words":2,"start":129.36,"end":129.76},{"sentences":[{"text":"But","start":129.645,"end":130.145,"sentiment":"neutral","sentiment_score":0.02402672916650772}],"sentiment":"neutral","sentiment_score":0.02402672916650772,"channel":1,"num_words":1,"start":129.645,"end":130.145},{"sentences":[{"text":"packing up everything in the house here in Australia?","start":129.76,"end":132.18,"sentiment":"neutral","sentiment_score":0.03005081746313307}],"sentiment":"neutral","sentiment_score":0.03005081746313307,"channel":0,"num_words":9,"start":129.76,"end":132.18},{"sentences":[{"text":"yes.","start":132.845,"end":133.345,"sentiment":"neutral","sentiment_score":0.055326782166957855},{"text":"Yeah.","start":133.74,"end":134.24,"sentiment":"neutral","sentiment_score":0.05839776620268822},{"text":"Just they need the house, so we 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didn't realize how how much I'd be overwhelmed with the things that we accumulate and yeah.","start":201.255,"end":207.27501,"sentiment":"negative","sentiment_score":-0.4588482590282665},{"text":"So","start":207.49501,"end":207.99501,"sentiment":"neutral","sentiment_score":-0.1682130992412567}],"sentiment":"negative","sentiment_score":-0.44270186126232147,"channel":1,"num_words":18,"start":201.255,"end":207.99501},{"sentences":[{"text":"Yeah.","start":208.50499,"end":209.00499,"sentiment":"neutral","sentiment_score":-0.1241431087255478}],"sentiment":"neutral","sentiment_score":-0.1241431087255478,"channel":0,"num_words":1,"start":208.50499,"end":209.00499},{"sentences":[{"text":"yeah.","start":209.41501,"end":209.91501,"sentiment":"neutral","sentiment_score":-0.107621967792511}],"sentiment":"neutral","sentiment_score":-0.107621967792511,"channel":1,"num_words":1,"start":209.41501,"end":209.91501},{"sentences":[{"text":"Well, no time like present to cull and 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a bit of a sounding board so you stop and actually think about something which, to be honest with it's like you're my student partner financially because, like, you're the person that goes, really?","start":1407.495,"end":1419.1951,"sentiment":"neutral","sentiment_score":0.3105456505606814},{"text":"Are you sure?","start":1419.44,"end":1420.26,"sentiment":"neutral","sentiment_score":0.07477946827809016}],"sentiment":"neutral","sentiment_score":0.28693348930941687,"channel":1,"num_words":45,"start":1407.015,"end":1420.26},{"sentences":[{"text":"Yeah.","start":1420.2451,"end":1420.7451,"sentiment":"neutral","sentiment_score":0.06480623036623001}],"sentiment":"neutral","sentiment_score":0.06480623036623001,"channel":0,"num_words":1,"start":1420.2451,"end":1420.7451},{"sentences":[{"text":"It's he, but are you sure?","start":1420.4,"end":1421.7,"sentiment":"neutral","sentiment_score":0.04002827157576879}],"sentiment":"neutral","sentiment_score":0.04002827157576879,"channel":1,"num_words":6,"start":1420.4,"end":1421.7},{"sentences":[{"text":"Yeah.","start":1422.4199,"end":1422.9199,"sentiment":"neutral","sentiment_score":0.11210538446903227}],"sentiment":"neutral","sentiment_score":0.11210538446903227,"channel":0,"num_words":1,"start":1422.4199,"end":1422.9199},{"sentences":[{"text":"Yep.","start":1423.2,"end":1423.52,"sentiment":"neutral","sentiment_score":0.1665264219045639},{"text":"Okay.","start":1423.52,"end":1423.92,"sentiment":"neutral","sentiment_score":0.3272971212863922},{"text":"I like that.","start":1423.92,"end":1424.88,"sentiment":"positive","sentiment_score":0.5880601406097412},{"text":"That's good.","start":1424.88,"end":1425.52,"sentiment":"positive","sentiment_score":0.7508179247379303},{"text":"I think I need 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better than just sitting in my account with, like, minimal interest.","start":1447.1,"end":1451.76,"sentiment":"neutral","sentiment_score":0.17259447964338157},{"text":"Yep.","start":1452.86,"end":1453.36,"sentiment":"neutral","sentiment_score":0.0922541841864586},{"text":"Okay.","start":1454.0599,"end":1454.5599,"sentiment":"neutral","sentiment_score":0.0842963457107544}],"sentiment":"neutral","sentiment_score":0.16135191768407822,"channel":1,"num_words":15,"start":1447.1,"end":1454.5599},{"sentences":[{"text":"Yeah.","start":1454.13,"end":1454.63,"sentiment":"neutral","sentiment_score":0.08179117739200592}],"sentiment":"neutral","sentiment_score":0.08179117739200592,"channel":0,"num_words":1,"start":1454.13,"end":1454.63},{"sentences":[{"text":"Alright.","start":1454.7799,"end":1455.2799,"sentiment":"neutral","sentiment_score":0.09068404883146286}],"sentiment":"neutral","sentiment_score":0.09068404883146286,"channel":1,"num_words":1,"start":1454.7799,"end":1455.2799},{"sentences":[{"text":"Can I how much money do you have remaining 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160.","start":1466.645,"end":1469.125,"sentiment":"neutral","sentiment_score":0.05020820970336596},{"text":"Cool.","start":1469.125,"end":1469.625,"sentiment":"neutral","sentiment_score":0.20009660720825195}],"sentiment":"neutral","sentiment_score":0.06519704945385456,"channel":0,"num_words":10,"start":1466.645,"end":1469.625},{"sentences":[{"text":"Yeah.","start":1469.5449,"end":1470.0449,"sentiment":"neutral","sentiment_score":0.116378054022789}],"sentiment":"neutral","sentiment_score":0.116378054022789,"channel":1,"num_words":1,"start":1469.5449,"end":1470.0449},{"sentences":[{"text":"Oh, okay.","start":1472.55,"end":1473.35,"sentiment":"neutral","sentiment_score":0.10185640305280685},{"text":"And if I remember correctly, twelve months I could just look at the document.","start":1473.35,"end":1477.51,"sentiment":"neutral","sentiment_score":0.04944443276950291},{"text":"It's literally sitting in front of me.","start":1477.51,"end":1479.21,"sentiment":"neutral","sentiment_score":0.07195596024394035}],"sentiment":"neutral","sentiment_score":0.06085332985157552,"channel":0,"num_words":23,"start":1472.55,"end":1479.21},{"sentences":[{"text":"Yep.","start":1479.66,"end":1480.16,"sentiment":"neutral","sentiment_score":0.03825658559799194}],"sentiment":"neutral","sentiment_score":0.03825658559799194,"channel":1,"num_words":1,"start":1479.66,"end":1480.16},{"sentences":[{"text":"But if I remember correctly, twelve months worth of your living expenses was sitting around the $50 a year 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speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left.","start":1750.74,"end":1765.48,"sentiment":"neutral","sentiment_score":0.0901159466459201},{"text":"That 100","start":1765.7051,"end":1766.4451,"sentiment":"neutral","sentiment_score":0.10163839906454086}],"sentiment":"neutral","sentiment_score":0.0804759113460171,"channel":0,"num_words":49,"start":1746.525,"end":1766.4451},{"sentences":[{"text":"Yeah.","start":1765.995,"end":1766.495,"sentiment":"neutral","sentiment_score":0.18189558386802673}],"sentiment":"neutral","sentiment_score":0.18189558386802673,"channel":1,"num_words":1,"start":1765.995,"end":1766.495},{"sentences":[{"text":"thousand, we like, it is a decent deposit for a house, but you are right.","start":1767.5851,"end":1775.145,"sentiment":"positive","sentiment_score":0.35672138432661693},{"text":"Over the next two or three years, that 100,000 will 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years' time.","start":1839.33,"end":1841.4299,"sentiment":"neutral","sentiment_score":-0.05886123163832559},{"text":"So","start":1841.8099,"end":1842.0499,"sentiment":"neutral","sentiment_score":0.04841146618127823}],"sentiment":"neutral","sentiment_score":-0.048133961856365204,"channel":0,"num_words":10,"start":1839.33,"end":1842.0499},{"sentences":[{"text":"Yeah.","start":1841.9349,"end":1842.4349,"sentiment":"neutral","sentiment_score":0.041531987488269806}],"sentiment":"neutral","sentiment_score":0.041531987488269806,"channel":1,"num_words":1,"start":1841.9349,"end":1842.4349},{"sentences":[{"text":"seven years into the the life of the the 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They also discuss their investment plans, including putting in a new bond and maximizing their initial investment. The speakers emphasize the importance of considering timing and potential financial concerns, and discuss the benefits of investing in a long term bond and tax implications. They also mention the possibility of putting money into a long term bond and the negative impact on their credit score if they use it for a long term bond. They plan to model things out and provide a deposit for a house in three years, and discuss the timeline for the deposit and their plans to speak again in two weeks."},"intents":{"segments":[{"text":"But that's also you know, it kinda helped refine on our way.","start_word":300,"end_word":311,"intents":[{"intent":"Refresh travel plan","confidence_score":0.00006928653}]},{"text":"There's still things that we're doing in Europe, so we're staying a little bit longer. So yeah.","start_word":313,"end_word":329,"intents":[{"intent":"Plan trip","confidence_score":0.04972848}]},{"text":"I was like, oh, this is a good time to reevaluate financially everything. Yeah.","start_word":661,"end_word":674,"intents":[{"intent":"Evaluate financial decisions","confidence_score":0.35425666}]},{"text":"Because we haven't progressed with any of the recommendations that we've so how would you like to, I guess, look at things now with the changes that have Yeah. happened?","start_word":1002,"end_word":1031,"intents":[{"intent":"Assist with recommendations","confidence_score":0.0007314967}]},{"text":"In the future years when I'm putting in more money on a regular basis, that I can go up to a 125% of the initial investment. So I it's pretty much maximizing what I can put in there in the future should I be able to. So should I be putting in a little bit more than the 10,000 in initial investment, so closer to 15 or 20,000, to be able to maximize what I can put in later.","start_word":1166,"end_word":1244,"intents":[{"intent":"Maximize investments","confidence_score":0.012664684}]},{"text":"The issue is is making sure that you obviously have the cash flow to continue living.","start_word":1284,"end_word":1299,"intents":[{"intent":"Have cash flow","confidence_score":0.00492803}]},{"text":"Depending if I feel comfortable, like, just balancing the logistics of things. Ideally, it will be I'd like to be able to stay home until around and go to kindergarten, which will be either '28 or '29.","start_word":1575,"end_word":1611,"intents":[{"intent":"Set up and manage capital for future use","confidence_score":9.188571e-8}]},{"text":"So it's if if you need to access the money, it has to be very specifically for Ryland. Okay.","start_word":1647,"end_word":1665,"intents":[{"intent":"Access funds for ryland","confidence_score":0.085815474}]},{"text":"and does restarting the ten year time frame really affect you?","start_word":2027,"end_word":2037,"intents":[{"intent":"Restart time frame","confidence_score":0.5611147}]},{"text":"obviously, if you get, say, five years into the bond time frame and then you wanna go and put $50,000 in, I'd turn around and say, no. Let's go and start a second bond under his name. And Oh, that's the way okay. that I have to do as well is we can just start a second one, then they can sit next to each other and do the same thing. Oh, okay.","start_word":2057,"end_word":2129,"intents":[{"intent":"Start second bond","confidence_score":0.89784676},{"intent":"Start second bond","confidence_score":0.017596336}]},{"text":"Well, is it it's just the bond that you're wanting to to initiate, isn't it?","start_word":2191,"end_word":2205,"intents":[{"intent":"Confirm bond terms","confidence_score":0.004243164}]},{"text":"The only reason I hadn't done that or recommended for you was because we wanted to originally make sure that I was keeping cash flow Mhmm. available for you. Yeah.","start_word":2279,"end_word":2308,"intents":[{"intent":"Remind about recommendation","confidence_score":7.4179985e-7}]},{"text":"So an IDCS is actually an investment account. So it's oh. held in a it's held in a personal name, not in a super so Hub twenty four is an investment platform. Yes.","start_word":2474,"end_word":2506,"intents":[{"intent":"Educate about project","confidence_score":0.000017429293}]},{"text":"The the other option is is that in, say let's just say twelve months, because twelve months will be halfway through 2027, which is roughly your time frame to return to work, is we can always set up the Life Builder Bond in twelve months' time.","start_word":2955,"end_word":3000,"intents":[{"intent":"Set up life insurance plan","confidence_score":0.081073895}]},{"text":"I mean, if if you've got a solid budget and you know exactly what you're planning to spend over the next twelve months, then, you know, I'd be comfortable to definitely set it up now. Mhmm.","start_word":3039,"end_word":3074,"intents":[{"intent":"Set up budget","confidence_score":0.7189192}]},{"text":"So there's just, like, those I guess, few considerations before we go and lock money away.","start_word":3109,"end_word":3124,"intents":[{"intent":"Avoid financial loss","confidence_score":0.00034317726}]},{"text":"I mean, at the end of the day, my concern is, like, I've spent more money than I originally planned at this point in time.","start_word":3163,"end_word":3187,"intents":[{"intent":"Address concerns","confidence_score":0.024076141}]},{"text":"So even if it's just hiding it from my everyday god underneath. Is that right? Yep.","start_word":3361,"end_word":3376,"intents":[{"intent":"Assert purpose","confidence_score":0.00030080212}]},{"text":"Well, if if you emailed me and said, hey. I need to access this money, I'd go, well I guess the the the the benefit is is that there's gonna be a lack of balance.","start_word":3467,"end_word":3501,"intents":[{"intent":"Access money","confidence_score":0.6590454}]},{"text":"We set this account up for this, this, and this reason. Yeah.","start_word":3540,"end_word":3551,"intents":[{"intent":"Clarify needs","confidence_score":0.040442046},{"intent":"Set up account","confidence_score":0.43502197}]},{"text":"So, well, in in that case, I think there's not there's not a negative in my mind in putting some money into a HUB24 IDSL investment account or whatever it's called.","start_word":3746,"end_word":3776,"intents":[{"intent":"Discuss money options","confidence_score":0.0035783302}]},{"text":"If I were to put both into, say, split it between the IDPS and the The phone. the other one, and say I I I wouldn't touch either of them for ten years, which Mhmm. would come out financially better.","start_word":4033,"end_word":4072,"intents":[{"intent":"Consider moving to idps","confidence_score":0.0000060864572}]},{"text":"If I were to put both into, say, split it between the IDPS and the The phone. the other one, and say I I I wouldn't touch either of them for ten years, which Mhmm. would come out financially better. That's Like, an is excellent question, and that's something I can figure out. yeah.","start_word":4033,"end_word":4086,"intents":[{"intent":"Identify financial advantage","confidence_score":0.00070201955}]},{"text":"So it's not like I need to undo what's locked away, but it's also future proofing. Like, if it's locked if it is locked away, although it's my money, it's not my money to use right now. And then in my mind, I won't rely on it. Does that make sense? Yeah.","start_word":4214,"end_word":4265,"intents":[{"intent":"Clarify future use of money","confidence_score":0.0011372279}]},{"text":"Like, the the benefits of the child bond are that it's it's completely tax free. So Oh, no.","start_word":4326,"end_word":4343,"intents":[{"intent":"Determine share of benefits","confidence_score":0.00011294507}]},{"text":"That's what I meant as well anyway. Oh, okay.","start_word":4361,"end_word":4369,"intents":[{"intent":"Express misunderstanding","confidence_score":0.000082257604}]},{"text":"I'm not saying the right words, but the benefits of the bond are that it's tax free upon withdrawal versus the IDPS is not tax free upon withdrawal. Go ahead.","start_word":4372,"end_word":4401,"intents":[{"intent":"Explain bond benefits","confidence_score":0.02807765},{"intent":"Explain mortgage benefits","confidence_score":0.03223523}]},{"text":"I I can still model it up to compare it, but upon withdrawal, you know exactly what you're gonna get from the bond versus with the IDPS, there's the tax implications that we have to take in consideration, which I can Yeah.","start_word":4426,"end_word":4467,"intents":[{"intent":"Explain tax implications","confidence_score":0.1297894}]},{"text":"But if realistically speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left. That 100 Yeah.","start_word":4476,"end_word":4517,"intents":[{"intent":"Plan life savings","confidence_score":0.01323805},{"intent":"Identify self-sufficient funds","confidence_score":7.573957e-9}]},{"text":"Yeah.","start_word":4641,"end_word":4641,"intents":[{"intent":"Explain current mortgage","confidence_score":0.00007737124},{"intent":"Explain mortgage plans","confidence_score":0.0024679783},{"intent":"Explain mortgage origin","confidence_score":0.00049434573}]},{"text":"And we can kinda plan it that way where we're locking away money that helps you to knock the mortgage off at least, you know, depending on what kind of house you buy and the price and all the rest of it, but Yeah.","start_word":4642,"end_word":4685,"intents":[{"intent":"Specify house type","confidence_score":0.00053710194}]},{"text":"I actually really like it. I I really, really like it. Like, I'll model it out, Mhmm. but I do really like it. Now the question is is how how much do we split between the two?","start_word":4796,"end_word":4832,"intents":[{"intent":"Clarify understanding","confidence_score":0.0011926199}]},{"text":"So I probably depending on what job I end up getting, if it's back onto the income or more that I was prior to having my son, then I would be comfortable, you know, 800, $900,000. But if I then return back to work part time or a much lower level, I probably may not ever be able to afford to have a house if I stay in this area.","start_word":5022,"end_word":5091,"intents":[{"intent":"Evaluate job options","confidence_score":0.050811023}]},{"text":"So what I'll do is I will model things out with an aim to have a $200,000 deposit Mhmm. in three years and see what that looks like as to which how how much we split where Mhmm. Yep.","start_word":5364,"end_word":5402,"intents":[{"intent":"Plan and assemble household plans","confidence_score":0.0000017561191}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05694076418876648},{"text":"Good morning, Ainsley.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3523215651512146},{"text":"It's Larissa from Rickview Financial. How are you going?","start_word":4,"end_word":12,"sentiment":"neutral","sentiment_score":0.2833837866783142},{"text":"Good. Thanks.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.5040122866630554},{"text":"How are you? Yeah. Good. Good. Are you sorry? How's You that? have a cold. Oh, yeah. Just a change in the season. Just a head cold. Bloody Oh, hopefully, thing. it goes away quickly. Yeah. Oh, it's okay. You just pushed through. Now how are you going? How's being back stateside, I guess? Good. Weird. It's so I don't know. Just such a change of pace at the moment. So, I mean, we're just pretty much packing up the house, and then we're gonna head back to Europe in, I think, about two weeks. So, yeah, it's nice to be home, but also because, obviously, we have to pack everything up. It's no longer home either. So Yeah. Well, so what what are your I guess, what what's what's the full plan for you moving forward at the moment? well, it's it's still a bit quite loose at the moment. My landlord's where I maintained my house for overseas. They've got family that need the house, so we came home to kinda pack up and reassess everything, and I decided that we're not gonna travel around Australia quite yet because there's still more things in Europe I wanna do before we're all kinda get to school age or preschool age. So I think we're gonna we're we're going back to to London and then back into Europe for another six months at this stage, and that's as far as I've kinda thought about it. No. Yeah. That's okay. That's hello. Yeah.","start_word":15,"end_word":266,"sentiment":"neutral","sentiment_score":-0.03291849046945572},{"text":"So it it's great. It's it's it's really nice.","start_word":267,"end_word":275,"sentiment":"positive","sentiment_score":0.5962719321250916},{"text":"I mean, coming home early to put a bit of a spanner in the works, but it's just part of the way it is. But that's also you know, it kinda helped refine on our way. There's still things that we're doing in Europe, so we're staying a little bit longer. So yeah. So you're But packing up everything in the house here in Australia? yes. Yeah. Just they need the house, so we just obviously, every a lot of things he's grown out of now because he was a baby when we left, and now he's almost older than a toddler. So getting rid of few things and showing off of a few things and then putting everything else in storage until we come back and go from there, really. So yeah. Yeah.","start_word":276,"end_word":409,"sentiment":"neutral","sentiment_score":0.0792186193362768},{"text":"It's very cathartic being being back and kinda going through everything.","start_word":410,"end_word":420,"sentiment":"positive","sentiment_score":0.4872339069843292},{"text":"And it's a thing living out of the suitcase for so long and having, like, three outfits on repeat. I come back and I'm just like, oh my god.","start_word":421,"end_word":449,"sentiment":"neutral","sentiment_score":-0.06584423780441284},{"text":"Why do I have so much shit in my house?","start_word":450,"end_word":459,"sentiment":"negative","sentiment_score":-0.35662972927093506},{"text":"Like, do I really need 64 cups? Yep. Yeah. You you you're so used to the minimalist minimalist lifestyle, but the other things around you, you realize you don't really need. Yeah. Yeah. Absolutely. Yeah.","start_word":460,"end_word":494,"sentiment":"neutral","sentiment_score":-0.06916767358779907},{"text":"It's been a bit of a it's probably the biggest kind of shock for coming back. I didn't realize how how much I'd be overwhelmed with the things that we accumulate and yeah.","start_word":495,"end_word":527,"sentiment":"negative","sentiment_score":-0.4093287587165833},{"text":"So Yeah. yeah. Well, no time like present to cull and downside. That's right. Yes. And I'm assuming you said everything's going into storage, so that'll decrease your overall expenses as well. It it will. It will because I won't be paying rent, but then it like, oh, I mean, I've already I've already spending the money, but we're spending more time in Europe rather than in England where I had a base where I wasn't paying for accommodation. So the accommodation hotels and all that kind of stuff, that's gonna increase a little bit more. So yeah. Yes. And we spend a bit more I had a surgery and a few other things to get addressed. So I spent more prior to coming back than I expected to. So it's yeah. I was like, oh, this is a good time to reevaluate financially everything. Yeah. So did you did you did you you said you you said you had you had had a surgery or you're having a surgery? Both, actually. So in, like, two days, I'm going in and having a surgery, and I had a surgery in January as well. They're cosmetic surgery. So I had I had a face lift in Thailand in January, Get it. Go. and I'm having a arm lift in, like, two days, which I previously had, but this is just a revision. Because I think over the last two years, I've lost, like, 55 kilos. So I'm quite small now, but I have and and, obviously, with post baby skin stretching and things like that, I have a bit of, like, excess skin and bits and pieces and yeah. So I was like, well, I have a bit of financial freedom to do it. I'm going to do you know, the little things that bother me. The year. Yeah. Yeah. Yeah. That's it. So yeah. So I don't know. My sister was like because she's had a lot of surgeries as well. She's got a bit of weight too. And she she went and had, like, a tummy tuck and I thought I left. And she went all the whole work. So I'm like, I don't need to go that far. But it's just my my arms pretty much get that corrected. And then I'll be more comfortable and, you know, in hot weather and things like that. So yeah.","start_word":528,"end_word":926,"sentiment":"neutral","sentiment_score":-0.027067202924141533},{"text":"A little bit for me, and and then I can live the best life for Lauren as well.","start_word":927,"end_word":944,"sentiment":"positive","sentiment_score":0.4596586227416992},{"text":"No. I love that. No.","start_word":945,"end_word":949,"sentiment":"neutral","sentiment_score":0.23236948251724243},{"text":"Do for you. There's nothing wrong with that at all. Thank you. Amazing.","start_word":950,"end_word":962,"sentiment":"positive","sentiment_score":0.47887828946113586},{"text":"Okay. So I guess if we get down to the nuts and bolts of it, what I guess, things have sort of changed in your life and and where things are. What do we wanna do with everything? Because we haven't progressed with any of the recommendations that we've so how would you like to, I guess, look at things now with the changes that have Yeah. happened? Well, I guess the price so I sent through a form, but, obviously, there was a few different changes and only, I think, weary actions with super and the insurance is being on Yes. hold. Yes. And then the next kind of priority for me was for setting up Ryland for the future. So the child building builder bond that we're going to Yeah. go with what was recommended, I wanted to go ahead with that. But Yeah. my questions pretty much were, you recommended $10,000, Yep.","start_word":963,"end_word":1117,"sentiment":"neutral","sentiment_score":0.0628880611831142},{"text":"and I'm like, that's great. Comfortable with that.","start_word":1118,"end_word":1125,"sentiment":"positive","sentiment_score":0.5777796506881714},{"text":"However, while I do have the money now, should I actually put in a little bit more given that when I was reading through the, I guess, terms and conditions, it was saying that in the future years excuse me. In the future years when I'm putting in more money on a regular basis, that I can go up to a 125% of the initial investment.","start_word":1126,"end_word":1191,"sentiment":"neutral","sentiment_score":0.037525661289691925},{"text":"So I it's pretty much maximizing what I can put in there in the future should I be able to.","start_word":1192,"end_word":1211,"sentiment":"positive","sentiment_score":0.35770949721336365},{"text":"So should I be putting in a little bit more than the 10,000 in initial investment, so closer to 15 or 20,000, to be able to maximize what I can put in later. Does that make sense? Yeah. Yeah. It does. It's I guess it's a it's a it's a two pronged I guess it's it's two sides of the same coin, I guess, is, yes, we can put in more now. The issue is is making sure that you obviously have the cash flow to continue living. Mhmm. If you put the money in now like, let's just say you do put in $20 now and double the initial investment, pulling it out, not so like, it's not as impossible but not so easy Mhmm. versus if we put $10 in and, say, do a regular contribution to it. So each month, you put $50 in. It means that we can stop the $50 contribution if something changes for you. Mhmm. Yeah. Of course. And we yeah. Sorry. Because I is it this is one thing I was in some get is is it a ten it was a ten year investment and then I get three invested. Should I choose? Was that right? So it's so Mhmm. it's a bond, but yeah. It's a bond. And, basically, the bond is specifically set up it's it's actually set up under Mhmm. your son's name, but you're basically, like, the trustee for it. The money can be withdrawn, but very, very restricted reasons for withdrawal. It basically has to be for him specifically. In ten years' time, the money is tax free upon withdrawal. Anywhere Mhmm. between year one and year 10, the money when withdrawn is basically treated like any kind of investment. So it's the money that comes out. The interest earned is added to your taxable income, which right now you don't have a taxable income for all intents and purposes, Yep. which wouldn't be an issue. But when you do return to work in a couple of years or so, that because your intention is to return to work 2027, 2028? It will loosely, yes. It will be 2027. Depending if I feel comfortable, like, just balancing the logistics of things. Ideally, it will be I'd like to be able to stay home until around and go to kindergarten, which will be either '28 or '29. Yeah. But financially, I think, yeah, it will be probably '20 somewhere in '27. It's probably Yeah. mid twenty seven. I'll probably realistically go back to work. Yeah. No. That's okay. Yeah.","start_word":1212,"end_word":1643,"sentiment":"neutral","sentiment_score":0.08117302667556538},{"text":"Cool.","start_word":1644,"end_word":1644,"sentiment":"positive","sentiment_score":0.48085975646972656},{"text":"So yeah. So it's if if you need to access the money, it has to be very specifically for Ryland. Okay. Alright. So if if if it's, like, it's huge money already. Yeah. Yeah. Yes. Okay. Alright. He's the youngest. And But yeah. Yeah.","start_word":1645,"end_word":1688,"sentiment":"neutral","sentiment_score":0.04885454475879669},{"text":"and the money could stay invested for longer. Like, that's not an issue.","start_word":1689,"end_word":1701,"sentiment":"positive","sentiment_score":0.3940955698490143},{"text":"We have, like, basically, a sign over date. So, like, it's an age. So you can sign the money over to him, you know, 18, sixteen, twenty five. And then, basically, that money goes over to him, and it converts from basically a child bond into they're called life builders. I call them adult bonds, Mhmm. which means that there's no no child childhood restrictions on them anymore. Oh, So okay. your your name as trustee would be removed. Oh, okay. Yep. Alright. That makes sense. Yep. Okay. Alright. So then in that case, you're probably right. 10,000 is Because a good safe real bet. realistically, you could put more money in. So let's just say in twelve months time when you do return to work, you have leftover money, you know, that you from the assets you currently hold. You could turn around and put another 10 k in then. The only downside and the only thing that happens, which at his age, it's not an issue, is that that ten year bond time frame restocks. Every time I put more in? Or If you yeah. If you put a lump sum in, yes. oh, okay. Yeah. Alright. But realistically, he's somewhere in the vicinity of two or three. He's not gonna be you're not gonna be wanting him to have the he you don't want him to No. have the money at thirteen. Okay. Yeah. But Alright. I that's understand. supposed Yep. to be at thirteen when you go to go like, say, when he hits part like, high school because that 13 is about high school. Yeah. Is he gonna go to a private school, and will you have the money to be able to fund that? Would the bond be able to step in and help him with funding private school or whatever the case might be? So it's just it's it's what is the purpose of the bond, Uh-huh. and does restarting the ten year time frame really affect you? In the first twelve months, probably not because it's just gonna take it from ten to eleven years. But, Mhmm. obviously, if you get, say, five years into the bond time frame and then you wanna go and put $50,000 in, I'd turn around and say, no. Let's go and start a second bond under his name. And Oh, that's the way okay. that I have to do as well is we can just start a second one, then they can sit next to each other and do the same thing. Oh, okay. Alright.","start_word":1702,"end_word":2130,"sentiment":"neutral","sentiment_score":0.03130501149209229},{"text":"Oh, that's good.","start_word":2131,"end_word":2133,"sentiment":"positive","sentiment_score":0.3903985917568207},{"text":"I didn't I mean, that makes sense. I don't know why I thought I couldn't do that. Yep. Okay. Alright. Okay.","start_word":2134,"end_word":2154,"sentiment":"neutral","sentiment_score":-0.09518793970346452},{"text":"Then that sounds good. Thank you for clarifying that.","start_word":2155,"end_word":2163,"sentiment":"positive","sentiment_score":0.542765736579895},{"text":"I think then in that case, we'll go we'll still go ahead with, like, the the $10,000 for the that. Yep. Yeah. Yep. Okay. Cool. Okay. Alright. Well, is it it's just the bond that you're wanting to to initiate, isn't it? Then I sir, I did have so I was looking on the the particular provider. I think it was generational life that does the child bond. Yes. And I is it beneficial for me to have a bond in my name under the generational life builder? The life yeah. The life builder. I I cheat and call them adult builder. Yep. Yeah. They are called life builders. You can. Same rules apply, essentially. The only reason I hadn't done that or recommended for you was because we wanted to originally make sure that I was keeping cash flow Mhmm. available for you. Yeah. If you're comfortable to put money in and lock it away, that's fine. You Mhmm. have an easier time accessing the money that you put into a bond under your name in a life builder than under the child builder bond. Mhmm. But the same rules apply. So if you were to withdraw within the ten year time frame, it basically works as any form of investment does that you would be charged tax based on the earnings from like, derived from the asset. Okay. Yep. That's and and it has to be a ten year term as well for it to be tax It free is from withdrawal? a It's a ten year time frame. Yeah. Ten year. Okay. Alright. But then so just with consideration, you're putting a recommendation for a RDPS account with hub twenty four. Is that Sub24 is the super. So if I was to put that into the super, I wouldn't be able to touch it anyway until No. So an IDCS is actually an investment account. So it's oh. held in a it's held in a personal name, not in a super so Hub twenty four is an investment platform. Yes. Mhmm. They have a superannuation trustee where your money could be held in a super environment, but they also have, like, an investment ownership structure as well where the ownership would be owned by you personally and would enable you to invest under their platform, but it's owned by you.","start_word":2164,"end_word":2556,"sentiment":"neutral","sentiment_score":0.08665775018566438},{"text":"So it's fully accessible at any point in time that you need to access the money.","start_word":2557,"end_word":2572,"sentiment":"positive","sentiment_score":0.36324766278266907},{"text":"You know, we can set up income streams to make sure that you're still you'll earn like, we can set up an income stream so the money comes to you regularly and is paid to you Okay. Where, and and where's the life builder? It's locked away. goes So like, it gives yeah. Essentially, so the the life building is lost the most ten years. Yeah. okay. Alright. So one gives me more flexibility to utilize, Mhmm. and the other one locks it away. Is the Correct. return on one or the other better, like, with consideration of fees and all that kind of stuff? With the Hub twenty four account, the fees are higher because it's a full investment menu Mhmm. versus your Budget Generation Life.","start_word":2573,"end_word":2699,"sentiment":"neutral","sentiment_score":-0.02968095988035202},{"text":"It is actually really, really, really low fees, which is nice, but they're two very, very different products.","start_word":2700,"end_word":2717,"sentiment":"positive","sentiment_score":0.4793107211589813},{"text":"One's an investment account. So it's it's basically an it's basically a think of it like a high interest bank account. So your money is sitting in a bank account and it's invested in the Mhmm. in in the market and it's earning money.","start_word":2718,"end_word":2761,"sentiment":"neutral","sentiment_score":0.09816701710224152},{"text":"It also has the risk of losing money, obviously.","start_word":2762,"end_word":2770,"sentiment":"negative","sentiment_score":-0.36294522881507874},{"text":"And that money sits over there in an account that you can't touch, but we can set up the you know, money is transferred to you, say, quarterly or half yearly or yearly to basically live on. Okay. The other the other flip side to that is that your Generation Life account, they have a very it's not it's honestly not that small.","start_word":2771,"end_word":2833,"sentiment":"neutral","sentiment_score":0.10527168214321136},{"text":"Like, they do have a decent investment menu.","start_word":2834,"end_word":2841,"sentiment":"positive","sentiment_score":0.4058738350868225},{"text":"It's nowhere near the thousands of options that Hub twenty four has, but they have, you know, maybe somewhere between twenty and forty investment options. And, yeah, that it is really low cost, but the downside is is that it's Lots. it's ten year lock. Okay. Would it be beneficial to kind of have both? Well, what Just I was gonna one say is secures the money for for a longer term. So then it's like future planning long term planning. Yeah. Whereas they have 24, as you said, it gives them the flexibility, ability to have income from it, that kinda stuff. So is it worth putting having the two accounts?","start_word":2842,"end_word":2953,"sentiment":"neutral","sentiment_score":0.1985531896352768},{"text":"Definitely.","start_word":2954,"end_word":2954,"sentiment":"positive","sentiment_score":0.34979376196861267},{"text":"The the other option is is that in, say let's just say twelve months, because twelve months will be halfway through 2027, which is roughly your time frame to return to work, is we can always set up the Life Builder Bond in twelve months' time. So that way, if anything happens in the next twelve months while you're traveling, as you said, you're planning on going around Europe rather than England where you have free accommodation, so depending on your accommodation costs.","start_word":2955,"end_word":3037,"sentiment":"neutral","sentiment_score":0.2088983952999115},{"text":"I mean, if if you've got a solid budget and you know exactly what you're planning to spend over the next twelve months, then, you know, I'd be comfortable to definitely set it up now.","start_word":3038,"end_word":3072,"sentiment":"positive","sentiment_score":0.3718460202217102},{"text":"Mhmm. But we also need to be conscious of relocating back to Australia, reestablishing yourself in a home here, and then what that looks like to return to work and everything like that as well. Yeah. So there's just, like, those I guess, few considerations before we go and lock money away.","start_word":3073,"end_word":3124,"sentiment":"neutral","sentiment_score":0.03116607293486595},{"text":"I'm more than happy to do it. Like, I really am happy to do it.","start_word":3125,"end_word":3139,"sentiment":"positive","sentiment_score":0.7569392919540405},{"text":"I just wanna Okay. Yeah. make sure that we're jumping with two feet, not hesitating, kind Yeah. of thing. Yeah. Yeah. Yeah. Absolutely. I mean, at the end of the day, my concern is, like, I've spent more money than I originally planned at this point in time. I mean, obviously, I had surgeries and things like that that came up after I spoke to you last time, Yep. which is really the reason why I spent more money. But because it's sitting there, I'm like, oh, I've got the money. I can spend it. It's fine.","start_word":3140,"end_word":3236,"sentiment":"neutral","sentiment_score":-0.06394810229539871},{"text":"And that's not a financially sound reason, really.","start_word":3237,"end_word":3244,"sentiment":"negative","sentiment_score":-0.3678041696548462},{"text":"Yeah.","start_word":3245,"end_word":3245,"sentiment":"neutral","sentiment_score":-0.13370515406131744},{"text":"And then it's also, well, if you're sitting in the bank account, it's not working for me.","start_word":3246,"end_word":3262,"sentiment":"negative","sentiment_score":-0.33485734462738037},{"text":"So if I don't do something with it, even if it's, you know, realistically, even if it's small and I put it in an account that I don't look at and don't touch, it's not visibly available to me. Whereas if it's now, just seeing an account that I access every day, I'm like, I feel like a rich bitch. I can be like, oh, it's fine. We're gonna go out for lunch every day to eat pasta at home. Yes.","start_word":3263,"end_word":3343,"sentiment":"neutral","sentiment_score":-0.12217190861701964},{"text":"So mentally, I'm being privileged with money when I really should be doing something with it.","start_word":3344,"end_word":3359,"sentiment":"positive","sentiment_score":0.42497485876083374},{"text":"So even if it's just hiding it from my everyday god underneath. Is that right? Yep. Yes. Yeah. I got it. So it's if I was to put it into not a a generational life bond and lock it forever, but if I still put it, you know, some of it into I have 24 investment accounts, it will be working for me but still accessible Yep. in twelve to eighteen to two years when I will be like, Yep. oh, yep. Now I wanna buy a house or something Yep. like that. But, realistically, Yep. it would be accessible from day one as Okay. well. Alright. Well, if if you emailed me and said, hey. I need to access this money, I'd go, well I guess the the the the benefit is is that there's gonna be a lack of balance. You're gonna email me and say, hey. I need this money, and I'm gonna email back and say, are we being frivolous, or are we is it because we actually have a have a have a determined need? We set this account up for this, this, and this reason. Yeah.","start_word":3360,"end_word":3551,"sentiment":"neutral","sentiment_score":0.03474550321698189},{"text":"So Oh, it's just that's I nice.","start_word":3552,"end_word":3558,"sentiment":"positive","sentiment_score":0.3416588008403778},{"text":"guess it's a bit of a check and balance. Yes.","start_word":3559,"end_word":3568,"sentiment":"neutral","sentiment_score":0.053441230207681656},{"text":"I'm That's not really I'm not good.","start_word":3569,"end_word":3575,"sentiment":"negative","sentiment_score":-0.3517589867115021},{"text":"gonna say no if you turn around and say I need the money. Like, that that's I wanna be really clear. I'm not gonna say no to you. It is your money. I'm not I'm I'm not doing that. But it does it does provide a check and balance. So I have plenty of clients that exactly like you, they they they sold everything up. They're traveling, and we do something similar to this. And it is a check and balance. I email and they say, we need we need $20. I'm like, okay. Can I ask why? Yeah. Yeah. We go from there. Yeah. That I mean, that's nice to have a bit of a sounding board so you stop and actually think about something which, to be honest with it's like you're my student partner financially because, like, you're the person that goes, really? Are you sure? Yeah. It's he, but are you sure? Yeah. Yep. Okay.","start_word":3576,"end_word":3734,"sentiment":"neutral","sentiment_score":0.05152532577795802},{"text":"I like that. That's good. I think I need that.","start_word":3735,"end_word":3744,"sentiment":"positive","sentiment_score":0.629326581954956},{"text":"Okay. So, well, in in that case, I think there's not there's not a negative in my mind in putting some money into a HUB24 IDSL investment account or whatever it's called. Yeah. Because it's better than just sitting in my account with, like, minimal interest. Yep. Okay. Yeah. Alright. Can I how much money do you have remaining now? Pretty much, it's sitting at a 164, 62,000 or something like that. 100 and so let's just call it a 160. Cool. Yeah. Oh, okay. And if I remember correctly, twelve months I could just look at the document. It's literally sitting in front of me. Yep. But if I remember correctly, twelve months worth of your living expenses was sitting around the $50 a year mark. Yes. Yeah. Okay. So you'd how much money do you wanna keep liquid for yourself for the next twelve months? Like, how much do you wanna keep in your account? Probably 50,000. Cool. And then we invest the rest. So that would be, say, 10 we could still go with $10,000 to the child's bond. We could increase it to 15 if you would like to, but let's just say $10 to the child bond, and then we can put the hunt we could put a $100 into the IDPS. Yes. But then backtracking sorry. A little bit. No. Should No. should we put some I just said we like we're a couple. That's so weird. Sorry. Should I should I put, like, some into that the long term bond as well? So kind of put have the IDPS and the long term bond. So some, like, you know, some of it's accessible. Like, we what it is gonna be weird. If I were to put both into, say, split it between the IDPS and the The phone. the other one, and say I I I wouldn't touch either of them for ten years, which Mhmm. would come out financially better.","start_word":3745,"end_word":4072,"sentiment":"neutral","sentiment_score":0.0390023558241565},{"text":"That's Like, an is excellent question, and that's something I can figure out.","start_word":4073,"end_word":4085,"sentiment":"positive","sentiment_score":0.4338848292827606},{"text":"yeah. Because it I mean, I know that they're different services. Different from Honda, different everything. Yeah. Yeah. But it's like it's like it's hard to compare apples to apples, but at the end of the day, like, if I've I have enough cash here at the moment that I can lock it some of it away.","start_word":4086,"end_word":4142,"sentiment":"neutral","sentiment_score":-0.15587066113948822},{"text":"Like, there's nothing foreseeable where I'm gonna be like, shit.","start_word":4143,"end_word":4152,"sentiment":"negative","sentiment_score":-0.3513360321521759},{"text":"I need to pull out the 160,000 I have and spend it right now. Yes. And even, like, realistically, I'm not even in a position to be buying a house right now because I'm not working, and I won't until at least twelve months after I start work. So when I look at it, that's, like, three years on track. Yes. So it's not like I need to undo what's locked away, but it's also future proofing. Like, if it's locked if it is locked away, although it's my money, it's not my money to use right now. And then in my mind, I won't rely on it. Does that make sense? Yeah. Yeah. Absolutely. It yeah. So just wanted to be work work out. Is it is it is it worth splitting it between those two different types accounts even if it's, like, a eighty twenty split? What's gonna be better than just locking all of it? Not locking it all of the way, but putting it all in the IDPS. Yeah. Like, the the benefits of the child bond are that it's it's completely tax free. So Oh, no. No. Sorry. investment Not not not for the child bond. The generational life one. yeah. Sorry. That's what I meant as well anyway. Oh, okay. The I know. I'm not saying the right words, but the benefits of the bond are that it's tax free upon withdrawal versus the IDPS is not tax free upon withdrawal. Go ahead. So the investment returns but there are gonna be investment return differences, and that's purely because the menus are different, the offerings are different. I I can still model it up to compare it, but upon withdrawal, you know exactly what you're gonna get from the bond versus with the IDPS, there's the tax implications that we have to take in consideration, which I can Yeah. still take into consideration when I'm modeling everything. But if realistically speaking, if we the $50,000 that you need to live off for the next twelve months, if we keep that in cash, if we put 10,000 into the child bond, you still have a 100,000 left. That 100 Yeah.","start_word":4153,"end_word":4517,"sentiment":"neutral","sentiment_score":-0.018651053003252368},{"text":"thousand, we like, it is a decent deposit for a house, but you are right.","start_word":4518,"end_word":4532,"sentiment":"positive","sentiment_score":0.35451334714889526},{"text":"Over the next two or three years, that 100,000 will grow. Or even if we say 70 or 80,000 will grow into a 100 plus thousand. And the remaining, you know, 20 or 30,000, we could put into a life bond for yourself for future planning in ten year time, where, let's just say, in three years, you go do go take a mortgage out, you know, over over the seven years from, you know, during that period, you pay it out the mortgage at the maturity date of the bill of the bond, you'll have a decent lump sum that will help you knock off the mortgage. Yeah. And we can kinda plan it that way where we're locking away money that helps you to knock the mortgage off at least, you know, depending on what kind of house you buy and the price and all the rest of it, but Yeah. knock a decent Yeah. chunk of the mortgage off in ten years' time. So Yeah. seven years into the the life of the the loan. Yeah. Yep. It'll put you in a lot lot better of a, yeah, of a financial state than if you were to if you were to keep the money.","start_word":4533,"end_word":4739,"sentiment":"neutral","sentiment_score":0.1686796934708305},{"text":"Yeah.","start_word":4740,"end_word":4740,"sentiment":"positive","sentiment_score":0.33447524905204773},{"text":"No.","start_word":4741,"end_word":4741,"sentiment":"neutral","sentiment_score":0.19569635391235352},{"text":"Like, it definitely definitely definitely strategy wise works and would help you out. And the benefits are that it's tax free in ten years' time, so it's not gonna it's not gonna not implicate.","start_word":4742,"end_word":4775,"sentiment":"positive","sentiment_score":0.4064320921897888},{"text":"Impact. Wow. It's not gonna impact your income in ten years' time when you are working. Whereas with yeah. No.","start_word":4776,"end_word":4795,"sentiment":"neutral","sentiment_score":0.006813826970756054},{"text":"I actually really like it. I I really, really like it.","start_word":4796,"end_word":4806,"sentiment":"positive","sentiment_score":0.5674406886100769},{"text":"Like, I'll model it out, Mhmm.","start_word":4807,"end_word":4812,"sentiment":"neutral","sentiment_score":0.2929026782512665},{"text":"but I do really like it.","start_word":4813,"end_word":4818,"sentiment":"positive","sentiment_score":0.5978237390518188},{"text":"Now the question is is how how much do we split between the two? I probably I anything more than $60.40 just Mhmm. off the top of my head without modeling it yet. I wouldn't go anything more than $60.40 60 to the IDPS 40 to the bond Mhmm. just because we wanna Yeah. build you to have a decent deposit for a house in three years' time. Yeah. Realistically, how this is this is gonna be this will be the this will be the this will be the this will be the question that will help me clarify how much I split between the two. Mhmm. When you do buy a house in three years, what size house are we looking at? What Probably would be your budget?","start_word":4819,"end_word":4947,"sentiment":"neutral","sentiment_score":-0.023120323196053505},{"text":"oh, well, it's really hard to tell because Mark is disgusting at the moment.","start_word":4948,"end_word":4961,"sentiment":"negative","sentiment_score":-0.5114264488220215},{"text":"Yeah. I know. I can tell you the type of house I want, but financially how much it is, I don't know because I don't this is the challenge is that I I'm in Canberra at the moment. Market well, I'm in Canberra region at the moment. The market here is equivalent to Sydney and Melbourne.","start_word":4962,"end_word":5017,"sentiment":"neutral","sentiment_score":-0.18195174634456637},{"text":"It's just unrealistic.","start_word":5018,"end_word":5020,"sentiment":"negative","sentiment_score":-0.5812709331512451},{"text":"So I probably depending on what job I end up getting, if it's back onto the income or more that I was prior to having my son, then I would be comfortable, you know, 800, $900,000. But if I then return back to work part time or a much lower level, I probably may not ever be able to afford to have a house if I stay in this area. And I think this is what I've gotta decide in the next probably six to twelve months is, like, where do I where do we end up? Because I if I and I'm sorry. I'm just thinking out loud, but to give you some of my thinking process. If I if, you know, I say in Canberra, the the sooner I'll have to go back to work, but the higher the income I could potentially have. Whereas if I move to, like, I don't know, Newcastle, housing's cheaper, but the income won't be as high either. So, Yes. yeah, I mean, I think that's probably my difficulty. Probably why I'm just continuing to go back to Europe as well is because so you're sort of big. I don't know where I wanna be. And, yeah, I mean, that's why I wouldn't be in a position to buy a house for a long time because I just, you know, don't know if I wanna settle in Canberra long term.","start_word":5021,"end_word":5258,"sentiment":"neutral","sentiment_score":-0.1116151288151741},{"text":"And I I don't really feel like I wanna buy a house for three years and then sell it and buy another house kinda thing.","start_word":5259,"end_word":5283,"sentiment":"negative","sentiment_score":-0.3438689708709717},{"text":"Like Absolutely. god. Sorry. I'm just my head is just processing it at the moment, but I would say comfortably on my total income, if I was to go back into the range that I was at previously, then anywhere between 600 and 800,000, I would be comfortable with, I think. Okay. Yeah. Yeah. That's it. Alright. Sorry. So Took me a while what to get I'll there. do no. You are so fine, hon. You are so fine. So what I'll do is I will model things out with an aim to have a $200,000 deposit Mhmm. in three years and see what that looks like as to which how how much we split where Mhmm. Yep. Okay. and see what that kind of lands us with. Yep. Obviously, as you said, three years is, like, the lower end of the earliest you'd look at buying a house. But, yeah, I'll I'll do that and figure that out, and then I'll come back to you with the bits and pieces. So you said you leave in two weeks' time. Okay. I will have it done within the two week time frame. Do you have a specific date you leave? Yep. No. I haven't brought to the flight as of yet. So why why why say two weeks? It could be longer. It just it just depends on how long it takes me to finish packing up and a bit of recovery from surgery and things like that. So two weeks is the goal. It could be longer. But, Okay. I mean, when Well, I say are you what comfortable I'm talking about, if I I do extra weeks. yeah. Are you comfortable if I get everything done, drawn up, and we chat again on the nineteenth, and I can present it to you? That's Friday, Let the eighth. me just yep. Yep. That sounds Yeah. good. Yep.","start_word":5284,"end_word":5601,"sentiment":"neutral","sentiment_score":0.04057873680648751},{"text":"Absolutely.","start_word":5602,"end_word":5602,"sentiment":"positive","sentiment_score":0.3617062568664551},{"text":"Yep.","start_word":5603,"end_word":5603,"sentiment":"neutral","sentiment_score":0.3140803575515747},{"text":"Cool. Excellent. And I've already given I've already signed the paperwork for the child born. I mean, we can wait, obviously, until we got everything looked at, but because I already signed it, I'm good with the child born being commenced. Because it worth like, you know, you probably don't have time anyway, but I was like, I'm happy for that to proceed now rather than wait until everything else is is decided.","start_word":5604,"end_word":5676,"sentiment":"positive","sentiment_score":0.38416385650634766},{"text":"But it's only two weeks. It doesn't really matter. Yeah. Let's let's wait, and we can we can just we could do all the accounts at the same time Yep. Okay.","start_word":5677,"end_word":5707,"sentiment":"neutral","sentiment_score":0.16729387640953064},{"text":"because we can set up that out and the, like, the the life builder and the child bond, like, together and invest them side by side. So that way, they have the same start date, same maturity date. And it'll just make it easier for you from a mental planning point of view.","start_word":5708,"end_word":5760,"sentiment":"positive","sentiment_score":0.44086000323295593},{"text":"Yeah. Yeah.","start_word":5761,"end_word":5762,"sentiment":"neutral","sentiment_score":0.25135689973831177},{"text":"That's that's that makes sense. Yeah. That's good. Excellent. Alright. Sounds wonderful.","start_word":5763,"end_word":5774,"sentiment":"positive","sentiment_score":0.5621078014373779},{"text":"Oh, I will talk to you in two weeks then.","start_word":5775,"end_word":5784,"sentiment":"neutral","sentiment_score":0.2833622992038727},{"text":"Wonderful. Appreciate your help and letting me use you as a sounding board. But that's okay. It was the best couple conversation I've had. Oh, great. I I love Okay. the we. Honestly, you you most clients actually talk in a we situation, so you are actually fine. I'm I'm pretty sure I'm pretty sure I'm the side piece to many, many relationships. Well, I mean, at least it's a positive event, and everyone seems to be on board with it.","start_word":5785,"end_word":5865,"sentiment":"positive","sentiment_score":0.594136118888855},{"text":"Sorry. Yeah. No. Alright. Well, I'll I'll go I'll talk to you in two weeks.","start_word":5866,"end_word":5880,"sentiment":"neutral","sentiment_score":0.14364176988601685},{"text":"I'll get started on everything on my side.","start_word":5881,"end_word":5888,"sentiment":"positive","sentiment_score":0.3744257390499115},{"text":"And, yeah, if you have any questions, just let them email through.","start_word":5889,"end_word":5900,"sentiment":"neutral","sentiment_score":0.24500751495361328},{"text":"Wonderful. Thank you so much. Appreciate it. And that that's okay.","start_word":5901,"end_word":5911,"sentiment":"positive","sentiment_score":0.6540625691413879},{"text":"Speak soon, Ainsley. Bye. Bye.","start_word":5912,"end_word":5916,"sentiment":"neutral","sentiment_score":0.24448630213737488}],"average":{"sentiment":"neutral","sentiment_score":0.06153285315982952}}}}