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I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of. Yeah. I thought I'd be yeah. I thought I'd be crashing at 02:00, and so far feeling pretty good. Yeah. No worries. Yep. Yeah. I can imagine with all the budget changes and everything. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Absolutely. Yeah. Correct. Yeah. That one's negatively good. Yeah. Okay. Yeah. Crow's nest. Yeah. I remember that. Yeah. Yeah. And that must be pretty stressful considering what you might be looking at in terms of price trends of properties and things like that. And having this anchor following you to the last few years leading to retirement, that must be pretty stressful. Yeah. K. Yeah. I'm really glad we're having this conversation tonight because I came into looking at your file before this call with a few ideas in mind. And just based on what you've told me already, I've got a few more ideas to throw into the mix as well, and I need to look at this holistically as well. This is the easy parts come first, but I've got to tie all three of them together into one plan. So Yeah. I appreciate that. Yeah. And the way I can kinda see all this formulating is what you talked about with the risk level with the super, have to deal with that. And the properties, I think it's time that we looked at making some major changes in that space as well. We've talked about it maybe a few times already, and it's been a bit of a holding pattern, but I'm starting to lean towards taking a bit of action sooner rather than later. So one thing I can give you that's some easy reassurance to start with is let's say that the super sitting at 602,000 and you've got your ANZ account. Right? If let's just say, for argument's sake, I just carved out 550,000 off to the side, and we invested that conservatively, that gets you the thousand dollars a week tax free for twenty, twenty five years without building it up to $6.07, 800,000. That gives you this little bit of a solid cash flow, and that I don't wanna risk because the balance risk profile that you're in, if we keep it there and you've got a decent amount in gold and gold's done great, that's fantastic. But if we leave it there, you risk that 15 to 20% volatility in the worst case scenario, which puts you back down to a $100,000. It is. It is. So this is something that we have to do, and it's a slight aside. But now that you're 60 while you're working, you can access up to 10%. K? So that gives you two options, and we won't decide on them right this second, but just to keep them in the back of your mind. Option one is you can do a lump sum contribution into your super and kind of use up the caps that you haven't used the last five years, and then you can pull the money back out again and boost up your super with the tax differences now that you can access some of it. It's kinda like a recontribution. You pull it out. You put it back in again. Tax difference boosts you up a little bit. So that's number one. Number two is because you can access up to 10%, if we're gonna do anything property wise, there's potentially another 60 sitting here that we could potentially pull out to leverage on if we need to. Does that make sense? Yeah. Yep. Close to it. I think last time I checked, you were sitting at 200,000 around about in income. Yeah. And you don't need it. Yep. Yeah. So for this financial year, given that it's about to end tonight, what do you think your employer has totally paid you in gross terms from wages and bonuses? Okay. Yeah. That'll be fantastic. While you're doing that, I'm just gonna pull up the most recent report for the contributions. So I wanted to have a look at that as well while you grab up the payslip. Yeah. That's perfect. So I'll grab this report up. You do that. Just let me know when you are ready. Yeah. Okay. So I'm just looking for the year to date total income. No. K. Yeah. Yep. It absolutely would be. No. That's fine. I've got the super component from AMZ up in front of me now. I just need that year to date portion to see how far above 200 is it in total. Right. No. I'm listening. Sorry. Yep. 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Cito, Tommy here from. How are you doing? Yeah. We're all. No worries.\n\nSensational so far. I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of. Yeah. I thought I'd be yeah. I thought I'd be crashing at 02:00, and so far feeling pretty good.\n\nYeah. No worries. Yep. Yeah. I can imagine with all the budget changes and everything.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. Correct.\n\nYeah. That one's negatively good. Yeah. Okay. Yeah.\n\nCrow's nest. Yeah. I remember that. Yeah. Yeah.\n\nAnd that must be pretty stressful considering what you might be looking at in terms of price trends of properties and things like that. And having this anchor following you to the last few years leading to retirement, that must be pretty stressful. Yeah. K. Yeah.\n\nI'm really glad we're having this conversation tonight because I came into looking at your file before this call with a few ideas in mind. And just based on what you've told me already, I've got a few more ideas to throw into the mix as well, and I need to look at this holistically as well. This is the easy parts come first, but I've got to tie all three of them together into one plan. So Yeah. I appreciate that.\n\nYeah. And the way I can kinda see all this formulating is what you talked about with the risk level with the super, have to deal with that. And the properties, I think it's time that we looked at making some major changes in that space as well. We've talked about it maybe a few times already, and it's been a bit of a holding pattern, but I'm starting to lean towards taking a bit of action sooner rather than later. So one thing I can give you that's some easy reassurance to start with is let's say that the super sitting at 602,000 and you've got your ANZ account.\n\nRight? If let's just say, for argument's sake, I just carved out 550,000 off to the side, and we invested that conservatively, that gets you the thousand dollars a week tax free for twenty, twenty five years without building it up to $6.07, 800,000. That gives you this little bit of a solid cash flow, and that I don't wanna risk because the balance risk profile that you're in, if we keep it there and you've got a decent amount in gold and gold's done great, that's fantastic. But if we leave it there, you risk that 15 to 20% volatility in the worst case scenario, which puts you back down to a $100,000. It is.\n\nIt is. So this is something that we have to do, and it's a slight aside. But now that you're 60 while you're working, you can access up to 10%. K? So that gives you two options, and we won't decide on them right this second, but just to keep them in the back of your mind.\n\nOption one is you can do a lump sum contribution into your super and kind of use up the caps that you haven't used the last five years, and then you can pull the money back out again and boost up your super with the tax differences now that you can access some of it. It's kinda like a recontribution. You pull it out. You put it back in again. Tax difference boosts you up a little bit.\n\nSo that's number one. Number two is because you can access up to 10%, if we're gonna do anything property wise, there's potentially another 60 sitting here that we could potentially pull out to leverage on if we need to. Does that make sense? Yeah. Yep.\n\nClose to it. I think last time I checked, you were sitting at 200,000 around about in income. Yeah. And you don't need it. Yep.\n\nYeah. So for this financial year, given that it's about to end tonight, what do you think your employer has totally paid you in gross terms from wages and bonuses? Okay. Yeah. That'll be fantastic.\n\nWhile you're doing that, I'm just gonna pull up the most recent report for the contributions. So I wanted to have a look at that as well while you grab up the payslip. Yeah. That's perfect. So I'll grab this report up.\n\nYou do that. Just let me know when you are ready. Yeah. Okay. So I'm just looking for the year to date total income.\n\nNo. K. Yeah. Yep. It absolutely would be.\n\nNo. That's fine. I've got the super component from AMZ up in front of me now. I just need that year to date portion to see how far above 200 is it in total. Right.\n\nNo. I'm listening. Sorry. Yep. So I think that matches the 25,000 I can see on the statement for","paragraphs":[{"sentences":[{"text":"Mister Cito, Tommy here from.","start":2.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.10727562755346298},{"text":"How are you doing?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.17855460941791534},{"text":"Yeah.","start":9.76,"end":10.08,"sentiment":"neutral","sentiment_score":0.0462481752038002},{"text":"We're all.","start":10.08,"end":10.82,"sentiment":"neutral","sentiment_score":0.05098494328558445},{"text":"No worries.","start":11.28,"end":11.94,"sentiment":"neutral","sentiment_score":0.019518219865858555}],"sentiment":"neutral","sentiment_score":0.10270364835326161,"num_words":14,"start":2.32,"end":11.94},{"sentences":[{"text":"Sensational so far.","start":15.215,"end":16.255001,"sentiment":"neutral","sentiment_score":0.21050944924354553},{"text":"I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of.","start":16.255001,"end":23.795,"sentiment":"positive","sentiment_score":0.5372957345985231},{"text":"Yeah.","start":29.310001,"end":29.550001,"sentiment":"neutral","sentiment_score":0.13870307803153992},{"text":"I thought I'd be yeah.","start":29.550001,"end":31.470001,"sentiment":"neutral","sentiment_score":0.11883457005023956},{"text":"I thought I'd be crashing at 02:00, and so far feeling pretty good.","start":31.470001,"end":34.93,"sentiment":"neutral","sentiment_score":0.058645740581246525}],"sentiment":"neutral","sentiment_score":0.3118606820962457,"num_words":43,"start":15.215,"end":34.93},{"sentences":[{"text":"Yeah.","start":39.565,"end":39.885,"sentiment":"neutral","sentiment_score":0.0528329536318779},{"text":"No worries.","start":39.885,"end":40.545,"sentiment":"neutral","sentiment_score":-0.04679238051176071},{"text":"Yep.","start":57.02,"end":57.52,"sentiment":"neutral","sentiment_score":-0.16708728671073914},{"text":"Yeah.","start":66.795,"end":67.115,"sentiment":"neutral","sentiment_score":-0.17849360406398773},{"text":"I can imagine with all the budget changes and everything.","start":67.115,"end":69.695,"sentiment":"neutral","sentiment_score":-0.1727184996008873}],"sentiment":"neutral","sentiment_score":-0.1409011796116829,"num_words":15,"start":39.565,"end":69.695},{"sentences":[{"text":"Yeah.","start":88.505005,"end":88.90501,"sentiment":"neutral","sentiment_score":0.03959636762738228},{"text":"Yep.","start":88.90501,"end":89.40501,"sentiment":"neutral","sentiment_score":0.009417034685611725},{"text":"Yeah.","start":111.895004,"end":112.395004,"sentiment":"neutral","sentiment_score":-0.04915706813335419},{"text":"Yeah.","start":130.39,"end":130.89,"sentiment":"neutral","sentiment_score":0.06530915200710297},{"text":"Yeah.","start":131.27,"end":131.77,"sentiment":"neutral","sentiment_score":0.0619354173541069}],"sentiment":"neutral","sentiment_score":0.025420180708169936,"num_words":5,"start":88.505005,"end":131.77},{"sentences":[{"text":"Yep.","start":139.28499,"end":139.78499,"sentiment":"neutral","sentiment_score":0.0882050022482872},{"text":"Yeah.","start":154.98,"end":155.48,"sentiment":"neutral","sentiment_score":0.07640732079744339},{"text":"Yep.","start":166.43501,"end":166.93501,"sentiment":"neutral","sentiment_score":-0.04975926876068115},{"text":"Yep.","start":173.73001,"end":174.23001,"sentiment":"neutral","sentiment_score":-0.00948362611234188},{"text":"Yeah.","start":194.0,"end":194.5,"sentiment":"neutral","sentiment_score":-0.14059136807918549}],"sentiment":"neutral","sentiment_score":-0.007044387981295586,"num_words":5,"start":139.28499,"end":194.5},{"sentences":[{"text":"Yeah.","start":224.19,"end":224.69,"sentiment":"neutral","sentiment_score":-0.1050422340631485},{"text":"Yeah.","start":251.98,"end":252.3,"sentiment":"neutral","sentiment_score":0.17776364088058472},{"text":"Absolutely.","start":252.3,"end":252.8,"sentiment":"positive","sentiment_score":0.3690102696418762},{"text":"Yeah.","start":267.74002,"end":268.06,"sentiment":"neutral","sentiment_score":0.12472017109394072},{"text":"Correct.","start":268.06,"end":268.56,"sentiment":"neutral","sentiment_score":0.12218621373176576}],"sentiment":"neutral","sentiment_score":0.13772761225700378,"num_words":5,"start":224.19,"end":268.56},{"sentences":[{"text":"Yeah.","start":303.145,"end":303.645,"sentiment":"neutral","sentiment_score":-0.04404107108712197},{"text":"That one's negatively good.","start":316.12,"end":317.64,"sentiment":"neutral","sentiment_score":-0.24290341138839722},{"text":"Yeah.","start":317.64,"end":318.14,"sentiment":"neutral","sentiment_score":0.1277148723602295},{"text":"Okay.","start":332.29498,"end":332.79498,"sentiment":"neutral","sentiment_score":0.05335865169763565},{"text":"Yeah.","start":348.55002,"end":349.05002,"sentiment":"neutral","sentiment_score":-0.020139306783676147}],"sentiment":"neutral","sentiment_score":-0.10684006242081523,"num_words":8,"start":303.145,"end":349.05002},{"sentences":[{"text":"Crow's nest.","start":356.085,"end":356.985,"sentiment":"neutral","sentiment_score":0.003310844302177429},{"text":"Yeah.","start":380.91498,"end":381.235,"sentiment":"neutral","sentiment_score":-0.05843136087059975},{"text":"I remember that.","start":381.235,"end":382.215,"sentiment":"neutral","sentiment_score":-0.07414708038171132},{"text":"Yeah.","start":382.595,"end":383.095,"sentiment":"neutral","sentiment_score":-0.02301214449107647},{"text":"Yeah.","start":400.465,"end":400.78497,"sentiment":"neutral","sentiment_score":-0.08253923058509827}],"sentiment":"neutral","sentiment_score":-0.0474752860609442,"num_words":8,"start":356.085,"end":400.78497},{"sentences":[{"text":"And that must be pretty stressful considering what you might be looking at in terms of price trends of properties and things like that.","start":400.78497,"end":407.26498,"sentiment":"neutral","sentiment_score":-0.22111958249782523},{"text":"And having this anchor following you to the last few years leading to retirement, that must be pretty stressful.","start":407.26498,"end":412.485,"sentiment":"neutral","sentiment_score":-0.29230140149593353},{"text":"Yeah.","start":415.58,"end":416.08,"sentiment":"neutral","sentiment_score":-0.21622592210769653},{"text":"K.","start":429.915,"end":430.415,"sentiment":"neutral","sentiment_score":-0.1282152235507965},{"text":"Yeah.","start":441.53,"end":442.03,"sentiment":"neutral","sentiment_score":0.07657685875892639}],"sentiment":"neutral","sentiment_score":-0.24192306294065455,"num_words":46,"start":400.78497,"end":442.03},{"sentences":[{"text":"I'm really glad we're having this conversation tonight because I came into looking at your file before this call with a few ideas in mind.","start":442.65,"end":450.11,"sentiment":"positive","sentiment_score":0.45379499077796936},{"text":"And just based on what you've told me already, I've got a few more ideas to throw into the mix as well, and I need to look at this holistically as well.","start":450.325,"end":458.245,"sentiment":"neutral","sentiment_score":0.21283134329132736},{"text":"This is the easy parts come first, but I've got to tie all three of them together into one plan.","start":458.245,"end":463.305,"sentiment":"neutral","sentiment_score":0.3222395434975624},{"text":"So Yeah.","start":469.4775,"end":479.17502,"sentiment":"neutral","sentiment_score":0.2296016439795494},{"text":"I appreciate that.","start":479.17502,"end":480.39502,"sentiment":"neutral","sentiment_score":0.008436650037765503}],"sentiment":"neutral","sentiment_score":0.3059119739365287,"num_words":82,"start":442.65,"end":480.39502},{"sentences":[{"text":"Yeah.","start":488.87,"end":489.35,"sentiment":"neutral","sentiment_score":0.03357859328389168},{"text":"And the way I can kinda see all this formulating is what you talked about with the risk level with the super, have to deal with that.","start":489.35,"end":497.93,"sentiment":"neutral","sentiment_score":-0.05024883454596555},{"text":"And the properties, I think it's time that we looked at making some major changes in that space as well.","start":498.07,"end":503.565,"sentiment":"neutral","sentiment_score":0.028667971724644303},{"text":"We've talked about it maybe a few times already, and it's been a bit of a holding pattern, but I'm starting to lean towards taking a bit of action sooner rather than later.","start":503.645,"end":513.425,"sentiment":"neutral","sentiment_score":-0.002983468387163047},{"text":"So one thing I can give you that's some easy reassurance to start with is let's say that the super sitting at 602,000 and you've got your ANZ account.","start":531.125,"end":540.005,"sentiment":"neutral","sentiment_score":0.20646770606780873}],"sentiment":"neutral","sentiment_score":0.046721168311143466,"num_words":110,"start":488.87,"end":540.005},{"sentences":[{"text":"Right?","start":540.005,"end":540.505,"sentiment":"neutral","sentiment_score":0.15168359875679016},{"text":"If let's just say, for argument's sake, I just carved out 550,000 off to the side, and we invested that conservatively, that gets you the thousand dollars a week tax free for twenty, twenty five years without building it up to $6.07, 800,000.","start":541.08,"end":559.845,"sentiment":"neutral","sentiment_score":0.2380226328102655},{"text":"That gives you this little bit of a solid cash flow, and that I don't wanna risk because the balance risk profile that you're in, if we keep it there and you've got a decent amount in gold and gold's done great, that's fantastic.","start":559.845,"end":573.4,"sentiment":"positive","sentiment_score":0.4044286095621911},{"text":"But if we leave it there, you risk that 15 to 20% volatility in the worst case scenario, which puts you back down to a $100,000.","start":573.78,"end":582.60004,"sentiment":"neutral","sentiment_score":-0.05910025021204582},{"text":"It is.","start":625.68,"end":626.0,"sentiment":"neutral","sentiment_score":0.10867105796933174}],"sentiment":"neutral","sentiment_score":0.23157113138586283,"num_words":116,"start":540.005,"end":626.0},{"sentences":[{"text":"It is.","start":626.0,"end":626.31995,"sentiment":"neutral","sentiment_score":0.07633928582072258},{"text":"So this is something that we have to do, and it's a slight aside.","start":626.31995,"end":629.3,"sentiment":"neutral","sentiment_score":0.03830550690846784},{"text":"But now that you're 60 while you're working, you can access up to 10%.","start":629.51996,"end":633.77997,"sentiment":"neutral","sentiment_score":0.030648169772965566},{"text":"K?","start":634.875,"end":635.375,"sentiment":"neutral","sentiment_score":0.02512018010020256},{"text":"So that gives you two options, and we won't decide on them right this second, but just to keep them in the back of your mind.","start":635.755,"end":641.295,"sentiment":"neutral","sentiment_score":0.03051862708077981}],"sentiment":"neutral","sentiment_score":0.03397604437512264,"num_words":57,"start":626.0,"end":641.295},{"sentences":[{"text":"Option one is you can do a lump sum contribution into your super and kind of use up the caps that you haven't used the last five years, and then you can pull the money back out again and boost up your super with the tax differences now that you can access some of it.","start":641.435,"end":658.71,"sentiment":"neutral","sentiment_score":0.12288154966451904},{"text":"It's kinda like a recontribution.","start":658.71,"end":659.93,"sentiment":"neutral","sentiment_score":0.12769647389650346},{"text":"You pull it out.","start":660.15,"end":660.79004,"sentiment":"neutral","sentiment_score":0.11024679057300091},{"text":"You put it back in again.","start":660.79004,"end":662.09,"sentiment":"neutral","sentiment_score":0.0953424759209156},{"text":"Tax difference boosts you up a little bit.","start":662.23004,"end":664.305,"sentiment":"positive","sentiment_score":0.4463295750319958}],"sentiment":"neutral","sentiment_score":0.15359802845005804,"num_words":78,"start":641.435,"end":664.305},{"sentences":[{"text":"So that's number one.","start":664.305,"end":665.52496,"sentiment":"positive","sentiment_score":0.3936728835105896},{"text":"Number two is because you can access up to 10%, if we're gonna do anything property wise, there's potentially another 60 sitting here that we could potentially pull out to leverage on if we need to.","start":665.585,"end":677.16,"sentiment":"neutral","sentiment_score":0.30041076987981796},{"text":"Does that make sense?","start":679.07996,"end":680.06,"sentiment":"neutral","sentiment_score":0.07142897509038448},{"text":"Yeah.","start":687.95996,"end":688.45996,"sentiment":"neutral","sentiment_score":-0.07796177268028259},{"text":"Yep.","start":701.35,"end":701.85,"sentiment":"neutral","sentiment_score":0.02799081802368164}],"sentiment":"neutral","sentiment_score":0.27446139555262483,"num_words":46,"start":664.305,"end":701.85},{"sentences":[{"text":"Close to it.","start":721.685,"end":722.645,"sentiment":"neutral","sentiment_score":-0.08405017852783203},{"text":"I think last time I checked, you were sitting at 200,000 around about in income.","start":722.645,"end":727.1,"sentiment":"neutral","sentiment_score":-0.048966652775804205},{"text":"Yeah.","start":752.79004,"end":753.29004,"sentiment":"neutral","sentiment_score":-0.04985473677515984},{"text":"And you don't need it.","start":753.75,"end":755.05005,"sentiment":"neutral","sentiment_score":-0.09565861374139786},{"text":"Yep.","start":781.22,"end":781.62,"sentiment":"neutral","sentiment_score":0.098868265748024}],"sentiment":"neutral","sentiment_score":-0.05663719467818737,"num_words":25,"start":721.685,"end":781.62},{"sentences":[{"text":"Yeah.","start":781.62,"end":782.12,"sentiment":"neutral","sentiment_score":0.048722948879003525},{"text":"So for this financial year, given that it's about to end tonight, what do you think your employer has totally paid you in gross terms from wages and bonuses?","start":782.18,"end":793.04504,"sentiment":"neutral","sentiment_score":-0.04055010576748514},{"text":"Okay.","start":800.32,"end":800.82,"sentiment":"neutral","sentiment_score":-0.05813676863908768},{"text":"Yeah.","start":832.91003,"end":833.23004,"sentiment":"neutral","sentiment_score":0.2153453528881073},{"text":"That'll be fantastic.","start":833.23004,"end":834.21,"sentiment":"positive","sentiment_score":0.5688977837562561}],"sentiment":"neutral","sentiment_score":0.02104776620399207,"num_words":35,"start":781.62,"end":834.21},{"sentences":[{"text":"While you're doing that, I'm just gonna pull up the most recent report for the contributions.","start":834.27,"end":838.375,"sentiment":"neutral","sentiment_score":0.17970902658998966},{"text":"So I wanted to have a look at that as well while you grab up the payslip.","start":838.915,"end":842.375,"sentiment":"neutral","sentiment_score":0.0870305466301301},{"text":"Yeah.","start":853.17,"end":853.41,"sentiment":"neutral","sentiment_score":0.2428324967622757},{"text":"That's perfect.","start":853.41,"end":854.29,"sentiment":"positive","sentiment_score":0.528434693813324},{"text":"So I'll grab this report up.","start":854.29,"end":855.97,"sentiment":"neutral","sentiment_score":0.2987655351559321}],"sentiment":"neutral","sentiment_score":0.1773133050827753,"num_words":42,"start":834.27,"end":855.97},{"sentences":[{"text":"You do that.","start":855.97,"end":856.52997,"sentiment":"neutral","sentiment_score":0.22273560365041098},{"text":"Just let me know when you are ready.","start":856.52997,"end":858.87,"sentiment":"neutral","sentiment_score":0.14974822290241718},{"text":"Yeah.","start":903.95,"end":904.45,"sentiment":"neutral","sentiment_score":0.056298237293958664},{"text":"Okay.","start":909.405,"end":909.905,"sentiment":"neutral","sentiment_score":0.04636206477880478},{"text":"So I'm just looking for the year to date total income.","start":911.885,"end":916.385,"sentiment":"neutral","sentiment_score":0.01806381404061209}],"sentiment":"neutral","sentiment_score":0.09031478544541945,"num_words":24,"start":855.97,"end":916.385},{"sentences":[{"text":"No.","start":966.585,"end":967.085,"sentiment":"neutral","sentiment_score":-0.05942728370428085},{"text":"K.","start":968.34503,"end":968.665,"sentiment":"neutral","sentiment_score":0.03180062025785446},{"text":"Yeah.","start":968.665,"end":968.905,"sentiment":"neutral","sentiment_score":0.06322304159402847},{"text":"Yep.","start":968.905,"end":969.225,"sentiment":"neutral","sentiment_score":0.10169832408428192},{"text":"It absolutely would be.","start":969.225,"end":970.47,"sentiment":"neutral","sentiment_score":0.16670101135969162}],"sentiment":"neutral","sentiment_score":0.10051234345883131,"num_words":8,"start":966.585,"end":970.47},{"sentences":[{"text":"No.","start":974.47,"end":974.70996,"sentiment":"neutral","sentiment_score":-0.019835572689771652},{"text":"That's fine.","start":974.70996,"end":975.44995,"sentiment":"neutral","sentiment_score":0.07801847904920578},{"text":"I've got the super component from AMZ up in front of me now.","start":976.47,"end":980.62994,"sentiment":"neutral","sentiment_score":0.12693060418734184},{"text":"I just need that year to date portion to see how far above 200 is it in total.","start":980.62994,"end":986.645,"sentiment":"neutral","sentiment_score":0.04723902036332422},{"text":"Right.","start":994.465,"end":994.965,"sentiment":"neutral","sentiment_score":0.0020393766462802887}],"sentiment":"neutral","sentiment_score":0.07538974237229143,"num_words":35,"start":974.47,"end":994.965},{"sentences":[{"text":"No.","start":997.44,"end":997.51996,"sentiment":"neutral","sentiment_score":-0.1904294490814209},{"text":"I'm listening.","start":997.51996,"end":998.16,"sentiment":"neutral","sentiment_score":-0.19250740110874176},{"text":"Sorry.","start":998.16,"end":998.66,"sentiment":"neutral","sentiment_score":-0.11371348053216934},{"text":"Yep.","start":1019.71,"end":1020.21,"sentiment":"neutral","sentiment_score":0.09516577422618866},{"text":"So I think that matches the 25,000 I can see on the statement for","start":1033.319,"end":1038.7439,"sentiment":"neutral","sentiment_score":0.1554914845951966}],"sentiment":"neutral","sentiment_score":0.0833099382488351,"num_words":19,"start":997.44,"end":1038.7439}]}}]},{"alternatives":[{"transcript":"Hello. James speaking. Oh, mate. Not too bad. Surviving as usual like everyone else. Just hang on for a sec, mate. Just hang on. Okay. How's your day? Oh, good. That's good. You're considering you had to wake up so well so often, you managed to catch clarity today. Okay. Alright. Hey. Listen. Thanks for getting back to me. I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now. I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement. And given all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous. Yeah. Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was one. I I guess the first thing is deal let's deal with the easy stuff first, which is the super. Current with my with my current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return. Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I have. I mean, if I had ten years, eleven years to go, I wouldn't be worried too much because the market will always pick up over a couple of years. Given where I am right now, I just wanted to chat with you to say, hey. Is my profile still right for what it is? That's probably the first question. The second question I've got is is the mix currently right for where we are and for where the global environment currently stands, taking into account where I am right now? That's probably the main thing. Two things. This is the e this is I think this is the easy one where we spend a bit of time looking at it then come up with a strategy or lead the strategy as it is. The other one's a little bit more complicated and a little bit of how long is a piece of string. Okay? Now I'm in the situation right now where I've got an existing property that's sitting in Melbourne. I know a lot of just speaking around, I get the sense that a lot of investors are hanging off Victoria because they wanna find out what's gonna happen to the state government. Right? The other factor too is given what the federal government has done now for investors and really limiting not limiting, but making it awfully tough for us. And and and that's probably the thing. And and given all this compression happening in terms of what we can do and limitations of what we can do and what we can't do and what we need to look at, my time frame is not getting any longer. So I wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years? Right? Ideally, I want ideally, I still want to work, but I'm just working on on the conservative side to say that I'm the official age of retirement. I could be pushed into it, not at my own choosing, but by by my employer. Okay? So that's the thing I I need to look at. And then they're the main things I wanted to talk to you about. It's okay. What what where can I go? What can I look at? Now I don't know whether you're the right person or or you're not the right person or you would say to me, look. Hey, James. Given where where you I suggest you talk to these people in our organization. Right? I just want some direction. I I I'm not a 100% clear that. And, yes, I'll pop it on the chin to say that, you know, I I should have done this five, ten years ago, but I haven't. Right? But I think I'm in a position where I've got a little bit of money that I could utilize. The other factor I've got is the property scenario that I've got. I've got a property that's sitting in Melbourne that currently is not making any money. Well, I don't believe it is. Yeah. I've had my finances refi, and I have about 160 k 116 k sitting there as a deposit ready to go. Right? I've got money put it down coming out of the refi. I've got money sitting there, a 115 there plus a 140 of my own money in cash. Alright? But but that's not saying all of that's about because I I wanna give better cash for the rainy day as well. The other factor is the other factor is my other property in in Sydney, which is at Crozet, that was my PPR. Now I've rented that out. Now from a financial from a financial perspective, it was a illogical decision for me to make to rent that out, and the incomings on that is less than the outgoings on my current property that I'm renting. But my my mental health was the big issue when I did it, and I understood well. Yeah? So that's where I want I want I'm I'm currently sitting right now, and then I I just want some guidance or some thoughts around of of thinking of what should I do or what do I need to look at because, effectively, I've got more money going out than money coming in. Yeah. Yeah. It it is it is awfully stressful. I mean, the only thing I can sort of feel and have a level of comfort is saying, I don't have dependents. It's only me. I gotta think about it. If I go, I go. The rest of the world can deal with my death when I'm gone. Alright? But I don't wanna be in that position that come the time for me to to not work and I'm still alive, then I've still got this noose around my neck. Yeah. Yep. Okay. Okay. I'm glad you've done that. I guess I guess it's it's it's also, for me, is is to be able to be man enough to come to you with the problem I'm facing. Right? I know I'm not in dire straits. I've got a little bit of I've got a little bit of something behind me, but it it's just swallowing my pride to make that decision to talk to you. Yeah. Okay. Yeah. Well, exactly. I want to do something now. I'm I'm I'm part of me is risk averse, but at the same time is if I can manage the risk with the knowns, I'd rather do that, but not expose myself too much, if you know what I mean. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Okay. Just when you meant you were told that I had something popped in my mind. The other fact that was and we patched on it some time back. How can I leverage the what's the word for it? The various tax side of things given that I've reached that age of 60 now I'm sitting in. I know we talked about, you know, some of those opportunities exist. So that's something that I I thought I'd raise as well. Is this something that I can I can take use to my advantage given given that I'm still a full time employee, or is that something that's unavailable for me? It's something that I wanted to bring up as well. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Now, yeah, it it kind of. You gotta remember I remember I told you my brain works logically like an IT person. So I struggle a little bit. Now the the other thing the other thing is I'd I'd sort of did a little bit looking around, and it talks, you know, he talks about this concessional contribution using the carry forward and all that. Right? And and all that. So at the moment, I don't know whether I can I can utilize that or not given where my earnings are and what my my employer contribution is? Am I on the cap? I don't know. I'll be yeah. Yeah. Yeah. So so it really hasn't changed that much because because of my position in the organization and in the organization's pay pay scale, I'm already at the top end of my banding. The only way I go above that is I get a promotion to go above and beyond that. But for me personally, I don't wanna do that because I don't want any more stress in my life. So so what no. So the only thing I bank on is is the at risk component, which is the bonus I I I get. Right? So for example, like, last year, I've got a decent bonus out of that, but I lose 60% of that in tax. And out of my tax return for last year, I got I got 12 k. I'm back from the tax office, and I dropped 10 k straight into my offset. So I that's what I'm doing. Alright. Yeah. So so the I got 30 k out of my bonus this financial year just gone. Right? And I've got 30 I think I got 30 k in total. And then the salary wise, it's probably not worthwhile. I mean, I think I got an extra $1,000 in my salary or something like that. So it's not it's nothing. It's literally nothing. So if if we work off I mean, actually, before you do let let me let me jump on online. I'm on I'm at my work. I can jump into and have a look at my my paid paid slip if you just bear with me for sec. I can see. Yeah. K. Let me let me go into I just realized I can go into Workday now to have a look at my pay slip. I got paid last week, so the payslip is already available. Tommy? Hello. This payslip up now. What information do you need? Do you need super and all that type of thing? So my my bonus my bonus was 33,000. So that would be incorporated into that year to date growth, I would assume. Do you need the super component? I mean, there's a number of things in here. K. So so in the year to date analysis deductions, right, there are three super values in here that I've got. There's one value for sorry? Okay. So the big the big amount for the ANZ super is $23.08 $2.04 and $0.02. And then there's also another component. 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James speaking. Oh, mate. Not too bad. Surviving as usual like everyone else.\n\nJust hang on for a sec, mate. Just hang on. Okay. How's your day? Oh, good.\n\nThat's good. You're considering you had to wake up so well so often, you managed to catch clarity today. Okay. Alright. Hey.\n\nListen. Thanks for getting back to me. I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now. I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement. And given all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous.\n\nYeah. Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was one. I I guess the first thing is deal let's deal with the easy stuff first, which is the super. Current with my with my current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return. Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I have.\n\nI mean, if I had ten years, eleven years to go, I wouldn't be worried too much because the market will always pick up over a couple of years. Given where I am right now, I just wanted to chat with you to say, hey. Is my profile still right for what it is? That's probably the first question. The second question I've got is is the mix currently right for where we are and for where the global environment currently stands, taking into account where I am right now?\n\nThat's probably the main thing. Two things. This is the e this is I think this is the easy one where we spend a bit of time looking at it then come up with a strategy or lead the strategy as it is. The other one's a little bit more complicated and a little bit of how long is a piece of string. Okay?\n\nNow I'm in the situation right now where I've got an existing property that's sitting in Melbourne. I know a lot of just speaking around, I get the sense that a lot of investors are hanging off Victoria because they wanna find out what's gonna happen to the state government. Right? The other factor too is given what the federal government has done now for investors and really limiting not limiting, but making it awfully tough for us. And and and that's probably the thing.\n\nAnd and given all this compression happening in terms of what we can do and limitations of what we can do and what we can't do and what we need to look at, my time frame is not getting any longer. So I wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years? Right? Ideally, I want ideally, I still want to work, but I'm just working on on the conservative side to say that I'm the official age of retirement. I could be pushed into it, not at my own choosing, but by by my employer.\n\nOkay? So that's the thing I I need to look at. And then they're the main things I wanted to talk to you about. It's okay. What what where can I go?\n\nWhat can I look at? Now I don't know whether you're the right person or or you're not the right person or you would say to me, look. Hey, James. Given where where you I suggest you talk to these people in our organization. Right?\n\nI just want some direction. I I I'm not a 100% clear that. And, yes, I'll pop it on the chin to say that, you know, I I should have done this five, ten years ago, but I haven't. Right? But I think I'm in a position where I've got a little bit of money that I could utilize.\n\nThe other factor I've got is the property scenario that I've got. I've got a property that's sitting in Melbourne that currently is not making any money. Well, I don't believe it is. Yeah. I've had my finances refi, and I have about 160 k 116 k sitting there as a deposit ready to go.\n\nRight? I've got money put it down coming out of the refi. I've got money sitting there, a 115 there plus a 140 of my own money in cash. Alright? But but that's not saying all of that's about because I I wanna give better cash for the rainy day as well.\n\nThe other factor is the other factor is my other property in in Sydney, which is at Crozet, that was my PPR. Now I've rented that out. Now from a financial from a financial perspective, it was a illogical decision for me to make to rent that out, and the incomings on that is less than the outgoings on my current property that I'm renting. But my my mental health was the big issue when I did it, and I understood well. Yeah?\n\nSo that's where I want I want I'm I'm currently sitting right now, and then I I just want some guidance or some thoughts around of of thinking of what should I do or what do I need to look at because, effectively, I've got more money going out than money coming in. Yeah. Yeah. It it is it is awfully stressful. I mean, the only thing I can sort of feel and have a level of comfort is saying, I don't have dependents.\n\nIt's only me. I gotta think about it. If I go, I go. The rest of the world can deal with my death when I'm gone. Alright?\n\nBut I don't wanna be in that position that come the time for me to to not work and I'm still alive, then I've still got this noose around my neck. Yeah. Yep. Okay. Okay.\n\nI'm glad you've done that. I guess I guess it's it's it's also, for me, is is to be able to be man enough to come to you with the problem I'm facing. Right? I know I'm not in dire straits. I've got a little bit of I've got a little bit of something behind me, but it it's just swallowing my pride to make that decision to talk to you.\n\nYeah. Okay. Yeah. Well, exactly. I want to do something now.\n\nI'm I'm I'm part of me is risk averse, but at the same time is if I can manage the risk with the knowns, I'd rather do that, but not expose myself too much, if you know what I mean. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Okay. Just when you meant you were told that I had something popped in my mind.\n\nThe other fact that was and we patched on it some time back. How can I leverage the what's the word for it? The various tax side of things given that I've reached that age of 60 now I'm sitting in. I know we talked about, you know, some of those opportunities exist. So that's something that I I thought I'd raise as well.\n\nIs this something that I can I can take use to my advantage given given that I'm still a full time employee, or is that something that's unavailable for me? It's something that I wanted to bring up as well. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Now, yeah, it it kind of. You gotta remember I remember I told you my brain works logically like an IT person. So I struggle a little bit. Now the the other thing the other thing is I'd I'd sort of did a little bit looking around, and it talks, you know, he talks about this concessional contribution using the carry forward and all that.\n\nRight? And and all that. So at the moment, I don't know whether I can I can utilize that or not given where my earnings are and what my my employer contribution is? Am I on the cap? I don't know.\n\nI'll be yeah. Yeah. Yeah. So so it really hasn't changed that much because because of my position in the organization and in the organization's pay pay scale, I'm already at the top end of my banding. The only way I go above that is I get a promotion to go above and beyond that.\n\nBut for me personally, I don't wanna do that because I don't want any more stress in my life. So so what no. So the only thing I bank on is is the at risk component, which is the bonus I I I get. Right? So for example, like, last year, I've got a decent bonus out of that, but I lose 60% of that in tax.\n\nAnd out of my tax return for last year, I got I got 12 k. I'm back from the tax office, and I dropped 10 k straight into my offset. So I that's what I'm doing. Alright. Yeah.\n\nSo so the I got 30 k out of my bonus this financial year just gone. Right? And I've got 30 I think I got 30 k in total. And then the salary wise, it's probably not worthwhile. I mean, I think I got an extra $1,000 in my salary or something like that.\n\nSo it's not it's nothing. It's literally nothing. So if if we work off I mean, actually, before you do let let me let me jump on online. I'm on I'm at my work. I can jump into and have a look at my my paid paid slip if you just bear with me for sec.\n\nI can see. Yeah. K. Let me let me go into I just realized I can go into Workday now to have a look at my pay slip. I got paid last week, so the payslip is already available.\n\nTommy? Hello. This payslip up now. What information do you need? Do you need super and all that type of thing?\n\nSo my my bonus my bonus was 33,000. So that would be incorporated into that year to date growth, I would assume. Do you need the super component? I mean, there's a number of things in here. K.\n\nSo so in the year to date analysis deductions, right, there are three super values in here that I've got. There's one value for sorry? Okay. So the big the big amount for the ANZ super is $23.08 $2.04 and $0.02. And then there's also another component.\n\nSo 23,824 also another amount for 2,019.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.03938044235110283},{"text":"James speaking.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.030595853924751282},{"text":"Oh, mate.","start":5.7599998,"end":6.16,"sentiment":"neutral","sentiment_score":0.19778717309236526},{"text":"Not too bad.","start":6.16,"end":6.96,"sentiment":"positive","sentiment_score":0.34410404165585834},{"text":"Surviving as usual like everyone else.","start":6.96,"end":9.36,"sentiment":"positive","sentiment_score":0.5310488591591517}],"sentiment":"positive","sentiment_score":0.3367679840219872,"num_words":14,"start":0.16,"end":9.36},{"sentences":[{"text":"Just hang on for a sec, mate.","start":9.36,"end":10.96,"sentiment":"neutral","sentiment_score":0.03223243621843202},{"text":"Just hang on.","start":10.96,"end":11.86,"sentiment":"neutral","sentiment_score":0.006554354603091876},{"text":"Okay.","start":11.92,"end":12.285,"sentiment":"neutral","sentiment_score":0.08042339980602264},{"text":"How's your day?","start":13.245,"end":14.224999,"sentiment":"neutral","sentiment_score":0.14843245844046274},{"text":"Oh, good.","start":23.965,"end":24.605,"sentiment":"positive","sentiment_score":0.5623957216739655}],"sentiment":"neutral","sentiment_score":0.1184876459883526,"num_words":16,"start":9.36,"end":24.605},{"sentences":[{"text":"That's good.","start":24.605,"end":25.67,"sentiment":"positive","sentiment_score":0.6364561915397644},{"text":"You're considering you had to wake up so well so often, you managed to catch clarity today.","start":25.81,"end":30.95,"sentiment":"neutral","sentiment_score":0.20772348563460744},{"text":"Okay.","start":35.73,"end":36.23,"sentiment":"neutral","sentiment_score":0.0791683942079544},{"text":"Alright.","start":36.29,"end":36.79,"sentiment":"neutral","sentiment_score":0.10911589860916138},{"text":"Hey.","start":37.105,"end":37.345,"sentiment":"neutral","sentiment_score":0.10168588161468506}],"sentiment":"neutral","sentiment_score":0.231553718786348,"num_words":22,"start":24.605,"end":37.345},{"sentences":[{"text":"Listen.","start":37.345,"end":37.665,"sentiment":"neutral","sentiment_score":0.13054436445236206},{"text":"Thanks for getting back to me.","start":37.665,"end":39.285,"sentiment":"positive","sentiment_score":0.37863793472448987},{"text":"I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now.","start":40.704998,"end":49.364998,"sentiment":"neutral","sentiment_score":-0.24822527696860247},{"text":"I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement.","start":50.940002,"end":55.84,"sentiment":"neutral","sentiment_score":-0.172969638928771},{"text":"And given all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous.","start":56.54,"end":66.08,"sentiment":"negative","sentiment_score":-0.34778687247523554}],"sentiment":"neutral","sentiment_score":-0.21259999270719218,"num_words":83,"start":37.345,"end":66.08},{"sentences":[{"text":"Yeah.","start":70.245,"end":70.745,"sentiment":"neutral","sentiment_score":-0.0351082906126976},{"text":"Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was one.","start":71.365,"end":80.92999,"sentiment":"neutral","sentiment_score":0.012017193469492829},{"text":"I I guess the first thing is deal let's deal with the easy stuff first, which is the super.","start":82.509995,"end":87.96999,"sentiment":"neutral","sentiment_score":0.056056897695127283},{"text":"Current with my with my current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return.","start":88.67,"end":111.119995,"sentiment":"neutral","sentiment_score":-0.013893334908371276},{"text":"Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I have.","start":111.9,"end":124.065,"sentiment":"negative","sentiment_score":-0.33363381085487515}],"sentiment":"neutral","sentiment_score":-0.08732962871768644,"num_words":140,"start":70.245,"end":124.065},{"sentences":[{"text":"I mean, if I had ten years, eleven years to go, I wouldn't be worried too much because the market will always pick up over a couple of years.","start":124.065,"end":130.80501,"sentiment":"neutral","sentiment_score":-0.22646306712051917},{"text":"Given where I am right now, I just wanted to chat with you to say, hey.","start":131.19,"end":135.20999,"sentiment":"neutral","sentiment_score":0.10179474717006087},{"text":"Is my profile still right for what it is?","start":135.98999,"end":138.97,"sentiment":"neutral","sentiment_score":0.10047788090176052},{"text":"That's probably the first question.","start":139.34999,"end":140.97,"sentiment":"neutral","sentiment_score":0.0898391380906105},{"text":"The second question I've got is is the mix currently right for where we are and for where the global environment currently stands, taking into account where I am right now?","start":142.06999,"end":154.36499,"sentiment":"neutral","sentiment_score":0.06319363427258307}],"sentiment":"neutral","sentiment_score":-0.018069041230612332,"num_words":90,"start":124.065,"end":154.36499},{"sentences":[{"text":"That's probably the main thing.","start":154.905,"end":156.525,"sentiment":"neutral","sentiment_score":0.04375543892383575},{"text":"Two things.","start":156.745,"end":157.35,"sentiment":"neutral","sentiment_score":0.04827902279794216},{"text":"This is the e this is I think this is the easy one where we spend a bit of time looking at it then come up with a strategy or lead the strategy as it is.","start":157.59001,"end":165.91,"sentiment":"neutral","sentiment_score":0.07416490186005831},{"text":"The other one's a little bit more complicated and a little bit of how long is a piece of string.","start":165.91,"end":171.665,"sentiment":"neutral","sentiment_score":-0.15674635954201221},{"text":"Okay?","start":172.845,"end":173.345,"sentiment":"neutral","sentiment_score":-0.014685381203889849}],"sentiment":"neutral","sentiment_score":-0.002567826013546437,"num_words":64,"start":154.905,"end":173.345},{"sentences":[{"text":"Now I'm in the situation right now where I've got an existing property that's sitting in Melbourne.","start":173.965,"end":181.825,"sentiment":"neutral","sentiment_score":-0.051033357815707434},{"text":"I know a lot of just speaking around, I get the sense that a lot of investors are hanging off Victoria because they wanna find out what's gonna happen to the state government.","start":182.67,"end":193.09,"sentiment":"neutral","sentiment_score":-0.18339602039618927},{"text":"Right?","start":194.26999,"end":194.76999,"sentiment":"neutral","sentiment_score":-0.12512068450450897},{"text":"The other factor too is given what the federal government has done now for investors and really limiting not limiting, but making it awfully tough for us.","start":195.62999,"end":206.58499,"sentiment":"negative","sentiment_score":-0.5514375114882434},{"text":"And and and that's probably the thing.","start":206.885,"end":208.98,"sentiment":"negative","sentiment_score":-0.44913548656872343}],"sentiment":"neutral","sentiment_score":-0.29502961948952255,"num_words":85,"start":173.965,"end":208.98},{"sentences":[{"text":"And and given all this compression happening in terms of what we can do and limitations of what we can do and what we can't do and what we need to look at, my time frame is not getting any longer.","start":209.54,"end":223.4,"sentiment":"negative","sentiment_score":-0.5418827359269305},{"text":"So I wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years?","start":223.945,"end":251.235,"sentiment":"neutral","sentiment_score":0.15029596407668364},{"text":"Right?","start":251.795,"end":252.295,"sentiment":"neutral","sentiment_score":0.06960441172122955},{"text":"Ideally, I want ideally, I still want to work, but I'm just working on on the conservative side to say that I'm the official age of retirement.","start":252.435,"end":261.815,"sentiment":"neutral","sentiment_score":0.2527334474854999},{"text":"I could be pushed into it, not at my own choosing, but by by my employer.","start":261.955,"end":266.78,"sentiment":"neutral","sentiment_score":0.15747045492753386}],"sentiment":"neutral","sentiment_score":-0.01688975060862349,"num_words":153,"start":209.54,"end":266.78},{"sentences":[{"text":"Okay?","start":269.08002,"end":269.56,"sentiment":"neutral","sentiment_score":0.07446901500225067},{"text":"So that's the thing I I need to look at.","start":269.56,"end":271.9,"sentiment":"neutral","sentiment_score":0.0787682667374611},{"text":"And then they're the main things I wanted to talk to you about.","start":274.04,"end":276.52002,"sentiment":"neutral","sentiment_score":0.11449452833487438},{"text":"It's okay.","start":276.52002,"end":277.24002,"sentiment":"neutral","sentiment_score":0.13784032315015793},{"text":"What what where can I go?","start":277.24002,"end":278.84,"sentiment":"neutral","sentiment_score":-0.0057827935864528035}],"sentiment":"neutral","sentiment_score":0.08098638860974461,"num_words":32,"start":269.08002,"end":278.84},{"sentences":[{"text":"What can I look at?","start":278.84,"end":280.2,"sentiment":"neutral","sentiment_score":-0.025313327461481093},{"text":"Now I don't know whether you're the right person or or you're not the right person or you would say to me, look.","start":280.2,"end":285.98502,"sentiment":"negative","sentiment_score":-0.36653045208557794},{"text":"Hey, James.","start":285.98502,"end":286.805,"sentiment":"neutral","sentiment_score":-0.00971241481602192},{"text":"Given where where you I suggest you talk to these people in our organization.","start":287.42502,"end":290.965,"sentiment":"neutral","sentiment_score":0.007261653829898153},{"text":"Right?","start":291.265,"end":291.765,"sentiment":"neutral","sentiment_score":0.04529111832380295}],"sentiment":"neutral","sentiment_score":-0.1873163909547859,"num_words":45,"start":278.84,"end":291.765},{"sentences":[{"text":"I just want some direction.","start":291.825,"end":293.365,"sentiment":"neutral","sentiment_score":-0.011707380414009094},{"text":"I I I'm not a 100% clear that.","start":293.665,"end":296.07,"sentiment":"neutral","sentiment_score":-0.2745318114757538},{"text":"And, yes, I'll pop it on the chin to say that, you know, I I should have done this five, ten years ago, but I haven't.","start":296.15,"end":302.17,"sentiment":"neutral","sentiment_score":-0.18882926238270906},{"text":"Right?","start":303.11002,"end":303.43,"sentiment":"neutral","sentiment_score":-0.050373829901218414},{"text":"But I think I'm in a position where I've got a little bit of money that I could utilize.","start":303.43,"end":307.29,"sentiment":"neutral","sentiment_score":0.01566395261570027}],"sentiment":"neutral","sentiment_score":-0.11723916857676991,"num_words":59,"start":291.825,"end":307.29},{"sentences":[{"text":"The other factor I've got is the property scenario that I've got.","start":307.59,"end":311.29,"sentiment":"neutral","sentiment_score":-0.2334067684908708},{"text":"I've got a property that's sitting in Melbourne that currently is not making any money.","start":311.48502,"end":315.725,"sentiment":"neutral","sentiment_score":-0.32854707340399425},{"text":"Well, I don't believe it is.","start":315.725,"end":317.185,"sentiment":"negative","sentiment_score":-0.3613748947779338},{"text":"Yeah.","start":318.36502,"end":318.86502,"sentiment":"neutral","sentiment_score":0.21458789706230164},{"text":"I've had my finances refi, and I have about 160 k 116 k sitting there as a deposit ready to go.","start":319.48502,"end":330.72,"sentiment":"neutral","sentiment_score":0.2994797144617353}],"sentiment":"neutral","sentiment_score":-0.06170317801562222,"num_words":55,"start":307.59,"end":330.72},{"sentences":[{"text":"Right?","start":331.02,"end":331.26,"sentiment":"neutral","sentiment_score":0.18588431179523468},{"text":"I've got money put it down coming out of the refi.","start":331.26,"end":334.13998,"sentiment":"neutral","sentiment_score":0.0675182542340322},{"text":"I've got money sitting there, a 115 there plus a 140 of my own money in cash.","start":334.13998,"end":340.215,"sentiment":"neutral","sentiment_score":-0.0042954889290473044},{"text":"Alright?","start":340.515,"end":341.015,"sentiment":"neutral","sentiment_score":0.043841034173965454},{"text":"But but that's not saying all of that's about because I I wanna give better cash for the rainy day as well.","start":341.875,"end":347.895,"sentiment":"neutral","sentiment_score":-0.024625105275349182}],"sentiment":"neutral","sentiment_score":0.006877894513309002,"num_words":52,"start":331.02,"end":347.895},{"sentences":[{"text":"The other factor is the other factor is my other property in in Sydney, which is at Crozet, that was my PPR.","start":348.595,"end":358.38,"sentiment":"neutral","sentiment_score":-0.04001424425620247},{"text":"Now I've rented that out.","start":359.24002,"end":361.48,"sentiment":"neutral","sentiment_score":-0.10916362702846527},{"text":"Now from a financial from a financial perspective, it was a illogical decision for me to make to rent that out, and the incomings on that is less than the outgoings on my current property that I'm renting.","start":361.48,"end":376.11502,"sentiment":"negative","sentiment_score":-0.37429733927312653},{"text":"But my my mental health was the big issue when I did it, and I understood well.","start":376.73502,"end":382.195,"sentiment":"negative","sentiment_score":-0.3676568694850978},{"text":"Yeah?","start":382.655,"end":383.155,"sentiment":"neutral","sentiment_score":-0.003221161663532257}],"sentiment":"neutral","sentiment_score":-0.26388937763937087,"num_words":83,"start":348.595,"end":383.155},{"sentences":[{"text":"So that's where I want I want I'm I'm currently sitting right now, and then I I just want some guidance or some thoughts around of of thinking of what should I do or what do I need to look at because, effectively, I've got more money going out than money coming in.","start":383.58,"end":400.175,"sentiment":"neutral","sentiment_score":-0.034595834302171224},{"text":"Yeah.","start":405.115,"end":405.615,"sentiment":"neutral","sentiment_score":-0.06282933801412582},{"text":"Yeah.","start":406.79498,"end":407.29498,"sentiment":"neutral","sentiment_score":-0.07472871989011765},{"text":"It it is it is awfully stressful.","start":413.07,"end":414.75,"sentiment":"negative","sentiment_score":-0.4282456934452057},{"text":"I mean, the only thing I can sort of feel and have a level of comfort is saying, I don't have dependents.","start":414.75,"end":420.21,"sentiment":"neutral","sentiment_score":-0.2547732876105742}],"sentiment":"neutral","sentiment_score":-0.1258793983031951,"num_words":84,"start":383.58,"end":420.21},{"sentences":[{"text":"It's only me.","start":421.47,"end":422.35,"sentiment":"neutral","sentiment_score":-0.2603037357330322},{"text":"I gotta think about it.","start":422.35,"end":423.31,"sentiment":"neutral","sentiment_score":-0.2909886121749878},{"text":"If I go, I go.","start":423.31,"end":424.245,"sentiment":"neutral","sentiment_score":-0.29624221920967103},{"text":"The rest of the world can deal with my death when I'm gone.","start":425.04498,"end":428.025,"sentiment":"negative","sentiment_score":-0.4506701918748709},{"text":"Alright?","start":429.685,"end":430.085,"sentiment":"neutral","sentiment_score":-0.0876527726650238}],"sentiment":"negative","sentiment_score":-0.3579048381911384,"num_words":27,"start":421.47,"end":430.085},{"sentences":[{"text":"But I don't wanna be in that position that come the time for me to to not work and I'm still alive, then I've still got this noose around my neck.","start":430.085,"end":440.92,"sentiment":"negative","sentiment_score":-0.49496907764865505},{"text":"Yeah.","start":450.58002,"end":451.08002,"sentiment":"neutral","sentiment_score":0.05635891109704971},{"text":"Yep.","start":458.695,"end":459.195,"sentiment":"neutral","sentiment_score":0.2559107840061188},{"text":"Okay.","start":464.055,"end":464.555,"sentiment":"positive","sentiment_score":0.39676594734191895},{"text":"Okay.","start":464.775,"end":465.275,"sentiment":"positive","sentiment_score":0.4644628167152405}],"sentiment":"negative","sentiment_score":-0.40487265565565655,"num_words":35,"start":430.085,"end":465.275},{"sentences":[{"text":"I'm glad you've done that.","start":465.72998,"end":467.18997,"sentiment":"positive","sentiment_score":0.7584994912147522},{"text":"I guess I guess it's it's it's also, for me, is is to be able to be man enough to come to you with the problem I'm facing.","start":467.88998,"end":477.81,"sentiment":"positive","sentiment_score":0.386129515511649},{"text":"Right?","start":477.81,"end":478.31,"sentiment":"neutral","sentiment_score":0.16116362810134888},{"text":"I know I'm not in dire straits.","start":478.925,"end":480.625,"sentiment":"neutral","sentiment_score":-0.03886668809822628},{"text":"I've got a little bit of I've got a little bit of something behind me, but it it's just swallowing my pride to make that decision to talk to you.","start":480.685,"end":488.225,"sentiment":"neutral","sentiment_score":-0.033602441847324374}],"sentiment":"neutral","sentiment_score":0.1899316541745629,"num_words":71,"start":465.72998,"end":488.225},{"sentences":[{"text":"Yeah.","start":497.41998,"end":497.91998,"sentiment":"neutral","sentiment_score":-0.0054111480712890625},{"text":"Okay.","start":504.085,"end":504.585,"sentiment":"neutral","sentiment_score":0.0403706468641758},{"text":"Yeah.","start":506.965,"end":507.465,"sentiment":"neutral","sentiment_score":0.025838278234004974},{"text":"Well, exactly.","start":513.845,"end":514.825,"sentiment":"neutral","sentiment_score":0.09788293391466141},{"text":"I want to do something now.","start":514.96497,"end":516.58496,"sentiment":"neutral","sentiment_score":0.13775022452076277}],"sentiment":"neutral","sentiment_score":0.09846045381643555,"num_words":11,"start":497.41998,"end":516.58496},{"sentences":[{"text":"I'm I'm I'm part of me is risk averse, but at the same time is if I can manage the risk with the knowns, I'd rather do that, but not expose myself too much, if you know what I mean.","start":516.9,"end":533.33496,"sentiment":"neutral","sentiment_score":0.03317620386369526},{"text":"Yeah.","start":540.915,"end":541.38,"sentiment":"neutral","sentiment_score":0.12992775440216064},{"text":"Yeah.","start":547.54,"end":548.04,"sentiment":"neutral","sentiment_score":0.12193768471479416},{"text":"Yeah.","start":549.86,"end":550.36,"sentiment":"neutral","sentiment_score":0.014808823354542255},{"text":"Okay.","start":557.245,"end":557.745,"sentiment":"neutral","sentiment_score":0.2984847128391266}],"sentiment":"neutral","sentiment_score":0.0430047074967826,"num_words":44,"start":516.9,"end":557.745},{"sentences":[{"text":"Yeah.","start":564.28503,"end":564.78503,"sentiment":"neutral","sentiment_score":0.18636155128479004},{"text":"Yeah.","start":581.1,"end":581.6,"sentiment":"neutral","sentiment_score":0.021756786853075027},{"text":"Yeah.","start":583.18,"end":583.68,"sentiment":"neutral","sentiment_score":0.06727235019207001},{"text":"Okay.","start":583.74,"end":584.24,"sentiment":"neutral","sentiment_score":0.07906536012887955},{"text":"Just when you meant you were told that I had something popped in my mind.","start":584.38,"end":588.73505,"sentiment":"neutral","sentiment_score":0.06986190999547641}],"sentiment":"neutral","sentiment_score":0.0738097209679453,"num_words":19,"start":564.28503,"end":588.73505},{"sentences":[{"text":"The other fact that was and we patched on it some time back.","start":589.03503,"end":592.815,"sentiment":"neutral","sentiment_score":0.08880015691885582},{"text":"How can I leverage the what's the word for it?","start":593.755,"end":598.23505,"sentiment":"neutral","sentiment_score":0.11134150922298432},{"text":"The various tax side of things given that I've reached that age of 60 now I'm sitting in.","start":598.23505,"end":606.08,"sentiment":"neutral","sentiment_score":0.05460685325993432},{"text":"I know we talked about, you know, some of those opportunities exist.","start":606.22,"end":610.64,"sentiment":"neutral","sentiment_score":0.07810647413134575},{"text":"So that's something that I I thought I'd raise as well.","start":611.02,"end":613.58,"sentiment":"neutral","sentiment_score":0.16995508020574396}],"sentiment":"neutral","sentiment_score":0.09464881347957999,"num_words":64,"start":589.03503,"end":613.58},{"sentences":[{"text":"Is this something that I can I can take use to my advantage given given that I'm still a full time employee, or is that something that's unavailable for me?","start":613.58,"end":622.84503,"sentiment":"neutral","sentiment_score":0.10426726701358954},{"text":"It's something that I wanted to bring up as well.","start":622.905,"end":625.325,"sentiment":"neutral","sentiment_score":0.07137459143996239},{"text":"Yeah.","start":629.945,"end":630.3,"sentiment":"neutral","sentiment_score":0.02272981032729149},{"text":"Yeah.","start":630.86,"end":631.36,"sentiment":"neutral","sentiment_score":0.0200059711933136},{"text":"Okay.","start":639.82,"end":640.32,"sentiment":"neutral","sentiment_score":0.017023323103785515}],"sentiment":"neutral","sentiment_score":0.09073309370771397,"num_words":43,"start":613.58,"end":640.32},{"sentences":[{"text":"Yeah.","start":641.66,"end":642.16,"sentiment":"neutral","sentiment_score":0.06184849143028259},{"text":"Yeah.","start":654.875,"end":655.35,"sentiment":"neutral","sentiment_score":0.11242993175983428},{"text":"Yeah.","start":655.82996,"end":656.32996,"sentiment":"neutral","sentiment_score":0.11588546633720398},{"text":"Yeah.","start":662.23,"end":662.73,"sentiment":"neutral","sentiment_score":0.033824753016233444},{"text":"Yeah.","start":677.365,"end":677.765,"sentiment":"neutral","sentiment_score":0.08732704818248749}],"sentiment":"neutral","sentiment_score":0.08226313814520836,"num_words":5,"start":641.66,"end":677.765},{"sentences":[{"text":"Yeah.","start":677.765,"end":678.265,"sentiment":"neutral","sentiment_score":0.07286130636930466},{"text":"Now, yeah, it it kind of.","start":679.285,"end":682.66,"sentiment":"neutral","sentiment_score":0.009534684320290884},{"text":"You gotta remember I remember I told you my brain works logically like an IT person.","start":682.66,"end":687.07996,"sentiment":"neutral","sentiment_score":-0.0537109998986125},{"text":"So I struggle a little bit.","start":687.94,"end":689.45996,"sentiment":"neutral","sentiment_score":-0.1615836645166079},{"text":"Now the the other thing the other thing is I'd I'd sort of did a little bit looking around, and it talks, you know, he talks about this concessional contribution using the carry forward and all that.","start":689.45996,"end":701.125,"sentiment":"neutral","sentiment_score":-0.009812983482874729}],"sentiment":"neutral","sentiment_score":-0.03124074184928428,"num_words":66,"start":677.765,"end":701.125},{"sentences":[{"text":"Right?","start":701.665,"end":702.165,"sentiment":"neutral","sentiment_score":0.016470950096845627},{"text":"And and all that.","start":703.425,"end":704.78503,"sentiment":"neutral","sentiment_score":0.0001660175621509552},{"text":"So at the moment, I don't know whether I can I can utilize that or not given where my earnings are and what my my employer contribution is?","start":704.78503,"end":717.63995,"sentiment":"neutral","sentiment_score":-0.04452892605747495},{"text":"Am I on the cap?","start":717.63995,"end":718.68,"sentiment":"neutral","sentiment_score":-0.0674152821302414},{"text":"I don't know.","start":718.68,"end":719.57996,"sentiment":"neutral","sentiment_score":-0.1227496216694514}],"sentiment":"neutral","sentiment_score":-0.047195126461546597,"num_words":41,"start":701.665,"end":719.57996},{"sentences":[{"text":"I'll be yeah.","start":723.24,"end":727.305,"sentiment":"neutral","sentiment_score":-0.025440247729420662},{"text":"Yeah.","start":728.16504,"end":728.565,"sentiment":"neutral","sentiment_score":0.0160377100110054},{"text":"Yeah.","start":728.565,"end":728.885,"sentiment":"neutral","sentiment_score":0.01700938306748867},{"text":"So so it really hasn't changed that much because because of my position in the organization and in the organization's pay pay scale, I'm already at the top end of my banding.","start":728.885,"end":742.04,"sentiment":"neutral","sentiment_score":0.07587588368915021},{"text":"The only way I go above that is I get a promotion to go above and beyond that.","start":742.04,"end":746.04,"sentiment":"neutral","sentiment_score":0.19452269913421738}],"sentiment":"neutral","sentiment_score":0.1070211493156173,"num_words":55,"start":723.24,"end":746.04},{"sentences":[{"text":"But for me personally, I don't wanna do that because I don't want any more stress in my life.","start":746.04,"end":752.38,"sentiment":"negative","sentiment_score":-0.38320669845530864},{"text":"So so what no.","start":753.745,"end":755.665,"sentiment":"neutral","sentiment_score":-0.11630209535360336},{"text":"So the only thing I bank on is is the at risk component, which is the bonus I I I get.","start":755.665,"end":761.665,"sentiment":"neutral","sentiment_score":0.0864294022321701},{"text":"Right?","start":761.665,"end":761.985,"sentiment":"neutral","sentiment_score":0.10548998415470125},{"text":"So for example, like, last year, I've got a decent bonus out of that, but I lose 60% of that in tax.","start":761.985,"end":769.01996,"sentiment":"neutral","sentiment_score":0.05672216246073896}],"sentiment":"neutral","sentiment_score":-0.06832448726714548,"num_words":67,"start":746.04,"end":769.01996},{"sentences":[{"text":"And out of my tax return for last year, I got I got 12 k.","start":769.56,"end":774.13995,"sentiment":"neutral","sentiment_score":0.021436085800329845},{"text":"I'm back from the tax office, and I dropped 10 k straight into my offset.","start":774.68,"end":779.31995,"sentiment":"neutral","sentiment_score":-0.0027840040624141694},{"text":"So I that's what I'm doing.","start":779.31995,"end":780.855,"sentiment":"neutral","sentiment_score":0.08030759915709496},{"text":"Alright.","start":782.77496,"end":783.27496,"sentiment":"neutral","sentiment_score":0.004564314614981413},{"text":"Yeah.","start":785.975,"end":786.475,"sentiment":"neutral","sentiment_score":-0.011381467804312706}],"sentiment":"neutral","sentiment_score":0.019863412311104566,"num_words":38,"start":769.56,"end":786.475},{"sentences":[{"text":"So so the I got 30 k out of my bonus this financial year just gone.","start":793.94,"end":799.88,"sentiment":"neutral","sentiment_score":-0.23406543536111712},{"text":"Right?","start":800.89996,"end":801.39996,"sentiment":"neutral","sentiment_score":-0.05698496103286743},{"text":"And I've got 30 I think I got 30 k in total.","start":801.45996,"end":804.76,"sentiment":"neutral","sentiment_score":-0.14045206333200136},{"text":"And then the salary wise, it's probably not worthwhile.","start":805.94,"end":812.91504,"sentiment":"negative","sentiment_score":-0.4861360390981038},{"text":"I mean, I think I got an extra $1,000 in my salary or something like that.","start":813.055,"end":817.61505,"sentiment":"negative","sentiment_score":-0.3436718825250864}],"sentiment":"neutral","sentiment_score":-0.2844709473903532,"num_words":54,"start":793.94,"end":817.61505},{"sentences":[{"text":"So it's not it's nothing.","start":817.61505,"end":818.97504,"sentiment":"neutral","sentiment_score":-0.30456376671791074},{"text":"It's literally nothing.","start":818.97504,"end":820.275,"sentiment":"negative","sentiment_score":-0.3618028561274211},{"text":"So if if we work off I mean, actually, before you do let let me let me jump on online.","start":820.89,"end":826.57,"sentiment":"neutral","sentiment_score":-0.017221590504050255},{"text":"I'm on I'm at my work.","start":826.57,"end":827.69,"sentiment":"neutral","sentiment_score":0.043693031184375286},{"text":"I can jump into and have a look at my my paid paid slip if you just bear with me for sec.","start":827.69,"end":833.185,"sentiment":"neutral","sentiment_score":0.0366337097842585}],"sentiment":"neutral","sentiment_score":-0.03365284660165863,"num_words":56,"start":817.61505,"end":833.185},{"sentences":[{"text":"I can see.","start":833.185,"end":838.505,"sentiment":"positive","sentiment_score":0.33845597008864087},{"text":"Yeah.","start":838.505,"end":839.005,"sentiment":"neutral","sentiment_score":0.07972563803195953},{"text":"K.","start":842.105,"end":842.345,"sentiment":"neutral","sentiment_score":0.04247889667749405},{"text":"Let me let me go into I just realized I can go into Workday now to have a look at my pay slip.","start":842.345,"end":847.805,"sentiment":"neutral","sentiment_score":0.05504102519024973},{"text":"I got paid last week, so the payslip is already available.","start":849.0,"end":851.9,"sentiment":"neutral","sentiment_score":0.07724118300459602}],"sentiment":"neutral","sentiment_score":0.08341459070260708,"num_words":39,"start":833.185,"end":851.9},{"sentences":[{"text":"Tommy?","start":905.65,"end":906.13,"sentiment":"neutral","sentiment_score":0.045254334807395935},{"text":"Hello.","start":906.13,"end":906.53,"sentiment":"neutral","sentiment_score":0.05455556511878967},{"text":"This payslip up now.","start":906.53,"end":908.47003,"sentiment":"neutral","sentiment_score":0.06461695488542318},{"text":"What information do you need?","start":909.57,"end":911.295,"sentiment":"neutral","sentiment_score":0.028009359911084174},{"text":"Do you need super and all that type of thing?","start":956.94,"end":959.76,"sentiment":"neutral","sentiment_score":0.01148334015160799}],"sentiment":"neutral","sentiment_score":0.02919799621616091,"num_words":21,"start":905.65,"end":959.76},{"sentences":[{"text":"So my my bonus my bonus was 33,000.","start":960.30005,"end":964.055,"sentiment":"neutral","sentiment_score":0.01926701981574297},{"text":"So that would be incorporated into that year to date growth, I would assume.","start":964.055,"end":968.235,"sentiment":"neutral","sentiment_score":-0.012129421745027815},{"text":"Do you need the super component?","start":971.895,"end":973.675,"sentiment":"neutral","sentiment_score":0.035905408362547554},{"text":"I mean, there's a number of things in here.","start":973.975,"end":976.08,"sentiment":"neutral","sentiment_score":0.01598983635712001},{"text":"K.","start":985.36005,"end":985.86005,"sentiment":"neutral","sentiment_score":0.029202338308095932}],"sentiment":"neutral","sentiment_score":0.009812304468237255,"num_words":38,"start":960.30005,"end":985.86005},{"sentences":[{"text":"So so in the year to date analysis deductions, right, there are three super values in here that I've got.","start":986.08,"end":993.755,"sentiment":"neutral","sentiment_score":0.04406208647415042},{"text":"There's one value for sorry?","start":993.815,"end":996.155,"sentiment":"neutral","sentiment_score":0.0008100327104330063},{"text":"Okay.","start":999.255,"end":999.755,"sentiment":"neutral","sentiment_score":0.02436830848455429},{"text":"So the big the big amount for the ANZ super is $23.08 $2.04 and $0.02.","start":999.895,"end":1008.79004,"sentiment":"neutral","sentiment_score":0.14544482429822286},{"text":"And then there's also another component.","start":1009.17004,"end":1011.57,"sentiment":"neutral","sentiment_score":0.028939525907238323}],"sentiment":"neutral","sentiment_score":0.06946744088162767,"num_words":47,"start":986.08,"end":1011.57},{"sentences":[{"text":"So 23,824 also another amount for 2,019.","start":1011.57,"end":1018.71,"sentiment":"neutral","sentiment_score":0.05285369232296944}],"sentiment":"neutral","sentiment_score":0.05285369232296944,"num_words":7,"start":1011.57,"end":1018.71}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. James speaking.\n\nChannel 0: Mister Cito, Tommy here from. How are you doing?\n\nChannel 1: Oh, mate. Not too bad. Surviving as usual like everyone else. Just hang\n\nChannel 0: Yeah.\n\nChannel 1: on for\n\nChannel 0: We're\n\nChannel 1: a sec,\n\nChannel 0: all.\n\nChannel 1: mate. Just hang\n\nChannel 0: No\n\nChannel 1: on.\n\nChannel 0: worries.\n\nChannel 1: Okay. How's your day?\n\nChannel 0: Sensational so far. I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of.\n\nChannel 1: Oh, good. That's good. You're considering you had to wake up so well so often, you managed\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: I\n\nChannel 1: catch\n\nChannel 0: thought\n\nChannel 1: clarity\n\nChannel 0: I'd be\n\nChannel 1: today.\n\nChannel 0: yeah. I thought I'd be crashing at 02:00, and so far feeling pretty good.\n\nChannel 1: Okay. Alright. Hey. Listen. Thanks for getting back to me.\n\nChannel 0: Yeah. No worries.\n\nChannel 1: I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now. I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement. And given\n\nChannel 0: Yep.\n\nChannel 1: all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous.\n\nChannel 0: Yeah. I can imagine with all the budget changes and everything.\n\nChannel 1: Yeah. Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was one. I I guess the first thing is deal let's deal with the easy stuff first, which is the super.\n\nChannel 0: Yeah.\n\nChannel 1: Current\n\nChannel 0: Yep.\n\nChannel 1: with my with my current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return.\n\nChannel 0: Yeah.\n\nChannel 1: Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I have. I mean, if I had ten years, eleven years to go, I wouldn't be worried too much because the market will always pick up over a couple of years.\n\nChannel 0: Yeah.\n\nChannel 1: Given\n\nChannel 0: Yeah.\n\nChannel 1: where I am right now, I just wanted to chat with you to say, hey. Is my profile still right for what it is?\n\nChannel 0: Yep.\n\nChannel 1: That's probably the first question. The second question I've got is is the mix currently right for where we are and for where the global environment currently stands, taking into account where I am right now? That's\n\nChannel 0: Yeah.\n\nChannel 1: probably the main thing. Two things. This is the e this is I think this is the easy one where we spend a bit of time looking at it then come up with a strategy or lead the strategy as it is. The other one's\n\nChannel 0: Yep.\n\nChannel 1: a little bit more complicated and a little bit of how long is a piece of string. Okay?\n\nChannel 0: Yep.\n\nChannel 1: Now I'm in the situation right now where I've got an existing property that's sitting in Melbourne. I know a lot of just speaking around, I get the sense that a lot of investors are hanging off Victoria because they wanna find out what's gonna happen to the state government.\n\nChannel 0: Yeah.\n\nChannel 1: Right? The other factor too is given what the federal government has done now for investors and really limiting not limiting, but making it awfully tough for us. And and and that's probably the thing. And and given all this compression happening in terms of what we can do and limitations of what we can do and what we can't do and what we need to look at, my time frame is not getting any longer. So I\n\nChannel 0: Yeah.\n\nChannel 1: wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years? Right?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Ideally, I want ideally, I still want to work, but I'm just working on on the conservative side to say that I'm the official age of retirement. I could be pushed into it, not at my own choosing, but by by my employer.\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Okay? So that's the thing I I need to look at. And then they're the main things I wanted to talk to you about. It's okay. What what where can I go?\n\nWhat can I look at? Now I don't know whether you're the right person or or you're not the right person or you would say to me, look. Hey, James. Given where where you I suggest you talk to these people in our organization. Right?\n\nI just want some direction. I I I'm not a 100% clear that. And, yes, I'll pop it on the chin to say that, you know, I I should have done this five, ten years ago, but I haven't. Right?\n\nChannel 0: Yeah.\n\nChannel 1: But I think I'm in a position where I've got a little bit of money that I could utilize. The other factor I've got is the property scenario that I've got. I've got a property that's sitting in Melbourne that currently is not making any money. Well, I don't\n\nChannel 0: That\n\nChannel 1: believe\n\nChannel 0: one's\n\nChannel 1: it\n\nChannel 0: negatively\n\nChannel 1: is.\n\nChannel 0: good. Yeah.\n\nChannel 1: Yeah. I've had my finances refi, and I have about 160 k 116 k sitting there as a deposit ready to go. Right? I've got money put it\n\nChannel 0: Okay.\n\nChannel 1: down coming out of the refi. I've got money sitting there, a 115 there plus a 140 of my own money in cash. Alright? But but that's not saying all of that's about because I I wanna give better cash for the rainy day as well.\n\nChannel 0: Yeah.\n\nChannel 1: The other factor is the other factor is my other property in in Sydney, which is\n\nChannel 0: Crow's\n\nChannel 1: at Crozet,\n\nChannel 0: nest.\n\nChannel 1: that was my PPR. Now I've rented that out. Now from a financial from a financial perspective, it was a illogical decision for me to make to rent that out, and the incomings on that is less than the outgoings on my current property that I'm renting. But my my mental health was the big issue when I did it, and I\n\nChannel 0: Yeah.\n\nChannel 1: understood\n\nChannel 0: I remember\n\nChannel 1: well.\n\nChannel 0: that. Yeah.\n\nChannel 1: Yeah? So that's where I want I want I'm I'm currently sitting right now, and then I I just want some guidance or some thoughts around of of thinking of what should I do or what do I need to look at because, effectively, I've got more money going out than money coming in.\n\nChannel 0: Yeah. And that must be pretty stressful considering what you might be looking at in terms of price\n\nChannel 1: Yeah.\n\nChannel 0: trends of properties and things\n\nChannel 1: Yeah.\n\nChannel 0: like that. And having this anchor following you to the last few years leading to retirement, that must be pretty stressful.\n\nChannel 1: It it is it is awfully stressful. I mean, the\n\nChannel 0: Yeah.\n\nChannel 1: only thing I can sort of feel and have a level of comfort is saying, I don't have dependents. It's only me. I gotta think about it. If I go, I go. The rest of the world can deal with my death when I'm gone.\n\nAlright?\n\nChannel 0: K.\n\nChannel 1: But I don't wanna be in that position that come the time for me to to not work and I'm still alive, then I've still got this noose around my neck.\n\nChannel 0: Yeah. I'm really glad we're having this conversation tonight because I came into looking at your file before this call with a few ideas in mind. And just\n\nChannel 1: Yeah.\n\nChannel 0: based on what you've told me already, I've got a few more ideas to throw into the mix as well, and I need to look at this holistically as well. This is\n\nChannel 1: Yep.\n\nChannel 0: the easy parts come first, but I've got to tie all three of them together into one plan.\n\nChannel 1: Okay. Okay. I'm glad you've done that. I guess I guess\n\nChannel 0: So\n\nChannel 1: it's it's it's also, for me, is is to be able to be man enough to come to you with the problem I'm facing. Right?\n\nChannel 0: Yeah.\n\nChannel 1: I know\n\nChannel 0: I\n\nChannel 1: I'm\n\nChannel 0: appreciate\n\nChannel 1: not in dire\n\nChannel 0: that.\n\nChannel 1: straits. I've got a little bit of I've got a little bit of something behind me, but it it's just swallowing my pride to make that decision to talk to you.\n\nChannel 0: Yeah. And the way I can kinda see all this formulating is what you talked about with the risk level with the super, have to deal with\n\nChannel 1: Yeah.\n\nChannel 0: that. And the properties, I think it's time that we looked at making some major changes in that space as well. We've talked about\n\nChannel 1: Okay.\n\nChannel 0: it maybe a few times already, and it's\n\nChannel 1: Yeah.\n\nChannel 0: been a bit of a holding pattern, but I'm starting to lean towards taking a bit of action sooner rather than later.\n\nChannel 1: Well, exactly. I want to do something now. I'm I'm I'm part of me is risk averse, but at the same time is if I can manage the risk with the knowns, I'd rather do that, but not expose myself too much, if you know what I\n\nChannel 0: So one thing I can give you that's some easy\n\nChannel 1: mean.\n\nChannel 0: reassurance to start with is let's say that the super sitting at 602,000 and you've got your ANZ account. Right?\n\nChannel 1: Yeah.\n\nChannel 0: If let's just say, for argument's sake, I just carved out 550,000 off to the side, and we\n\nChannel 1: Yeah.\n\nChannel 0: invested that conservatively,\n\nChannel 1: Yeah.\n\nChannel 0: that gets you the thousand dollars a week tax free for twenty, twenty five years without\n\nChannel 1: Okay.\n\nChannel 0: building it up to $6.07, 800,000. That gives you this little bit of a solid cash flow, and that I\n\nChannel 1: Yeah.\n\nChannel 0: don't wanna risk because the balance risk profile that you're in, if we keep it there and you've got a decent amount in gold and gold's done great, that's fantastic. But if we leave it there, you risk that 15 to 20% volatility in the worst case scenario, which puts you back down to\n\nChannel 1: Yeah.\n\nChannel 0: a $100,000.\n\nChannel 1: Yeah. Okay. Just when you meant you were told that I had something popped in my mind. The other fact that was and we patched on it some time back. How can I leverage the what's the word for it?\n\nThe various tax side of things given that I've reached that age of 60 now I'm sitting in. I know we talked about, you know, some of those opportunities exist. So that's something that I I thought I'd raise as well. Is this something that I can I can take use to my advantage given given that I'm still a full time employee, or is that something that's unavailable for me? It's something that I wanted to bring up as well.\n\nChannel 0: It is. It is. So this is something that we have to do, and it's a slight aside. But now\n\nChannel 1: Yeah.\n\nChannel 0: that you're 60\n\nChannel 1: Yeah.\n\nChannel 0: while you're working, you can access up to 10%. K? So that gives you two options, and we won't decide on them right this second, but just to keep\n\nChannel 1: Okay.\n\nChannel 0: them in the back of your mind. Option\n\nChannel 1: Yeah.\n\nChannel 0: one is you can do a lump sum contribution into your super and kind of use up the caps that you haven't used the last five years, and then you can pull the money back out again and boost up your\n\nChannel 1: Yeah.\n\nChannel 0: super with the tax\n\nChannel 1: Yeah.\n\nChannel 0: differences now that you can access some of it. It's kinda like a recontribution. You pull it out. You put it back in again.\n\nChannel 1: Yeah.\n\nChannel 0: Tax difference boosts you up a little bit. So that's number one. Number two is because you can access up to 10%, if we're gonna do anything property wise, there's potentially another 60 sitting here that we could potentially pull out to leverage on if we need to.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Does that\n\nChannel 1: Now,\n\nChannel 0: make sense?\n\nChannel 1: yeah, it it kind of. You gotta remember I remember I told you my brain works logically like an IT person. So\n\nChannel 0: Yeah.\n\nChannel 1: I struggle a little bit. Now the the other thing the other thing is I'd I'd sort of did a little bit looking around, and it talks, you know, he talks about this concessional contribution using the carry forward and all that.\n\nChannel 0: Yep.\n\nChannel 1: Right? And and all that. So at the moment, I don't know whether I can I can utilize that or not given where my earnings are and what my my employer contribution is? Am I on the cap? I don't know.\n\nChannel 0: Close to it. I think last\n\nChannel 1: I'll\n\nChannel 0: time\n\nChannel 1: be\n\nChannel 0: I checked, you were sitting at 200,000 around about in income.\n\nChannel 1: yeah. Yeah. Yeah. So so it really hasn't changed that much because because of my position in the organization and in the organization's pay pay scale, I'm already at the top end of my banding. The only way I go above that is I get a promotion to go above and beyond that.\n\nBut for me personally, I don't wanna do that because I don't want any more stress in my life.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And you don't\n\nChannel 1: so\n\nChannel 0: need\n\nChannel 1: what\n\nChannel 0: it.\n\nChannel 1: no. So the only thing I bank on is is the at risk component, which is the bonus I I I get. Right? So for example, like, last year, I've got a decent bonus out of that, but I lose 60% of that in tax. And out of my tax return for last year, I got I got 12 k.\n\nI'm back from the tax office, and I dropped 10 k straight into my offset. So I that's what I'm doing.\n\nChannel 0: Yep. Yeah. So for this\n\nChannel 1: Alright.\n\nChannel 0: financial year, given that it's about to end tonight,\n\nChannel 1: Yeah.\n\nChannel 0: what do you think your employer has totally paid you in gross terms from wages and bonuses?\n\nChannel 1: So so the I got 30 k out of my bonus this financial year just gone.\n\nChannel 0: Okay.\n\nChannel 1: Right? And I've got 30 I think I got 30 k in total. And then the salary wise, it's probably not worthwhile. I mean, I think I got an extra $1,000 in my salary or something like that. So it's not it's nothing.\n\nIt's literally nothing. So if if we work off I mean, actually, before you do let let me let me jump on online. I'm on I'm at my work. I can jump into and have a look at my my paid paid slip if you just bear with me for sec.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: That'll be\n\nChannel 1: can\n\nChannel 0: fantastic. While you're doing that, I'm just gonna pull up the most recent report for the contributions.\n\nChannel 1: see. Yeah.\n\nChannel 0: So I wanted to have a look at that as well while you grab up the payslip.\n\nChannel 1: K. Let me let me go into I just realized I can go into Workday now to have a look at my pay slip. I got paid last week, so the payslip is already available.\n\nChannel 0: Yeah. That's perfect. So I'll grab this report up. You do that. Just let me know when you are ready.\n\nYeah.\n\nChannel 1: Tommy? Hello. This payslip up now.\n\nChannel 0: Okay.\n\nChannel 1: What information do you need?\n\nChannel 0: So I'm just looking for the year to date total income.\n\nChannel 1: Do you need super and all that type of thing? So my my bonus my bonus was 33,000. So that would be incorporated into that year\n\nChannel 0: No.\n\nChannel 1: to date growth, I would assume.\n\nChannel 0: K. Yeah. Yep. It absolutely would be.\n\nChannel 1: Do you need the super component? I mean, there's\n\nChannel 0: No.\n\nChannel 1: a number\n\nChannel 0: That's fine.\n\nChannel 1: of things in here.\n\nChannel 0: I've got the super component from AMZ up in front of me now. I just need that year to date portion to see how far above 200\n\nChannel 1: K.\n\nChannel 0: is it in\n\nChannel 1: So\n\nChannel 0: total.\n\nChannel 1: so in the year to date analysis deductions, right, there are three super values in here that I've got. There's one value\n\nChannel 0: Right.\n\nChannel 1: for sorry?\n\nChannel 0: No. I'm listening. Sorry.\n\nChannel 1: Okay. So the big the big amount for the ANZ super is $23.08 $2.04 and $0.02. And then there's also another component. So 23,824 also another amount for 2,019.\n\nChannel 0: Yep. So I think that matches the 25,000 I can see on the statement for","paragraphs":[{"sentences":[{"text":"Hello.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.03938044235110283},{"text":"James speaking.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.030595853924751282}],"sentiment":"neutral","sentiment_score":0.03352405006686846,"channel":1,"num_words":3,"start":0.16,"end":1.22},{"sentences":[{"text":"Mister Cito, Tommy here from.","start":2.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.10727562755346298},{"text":"How are you doing?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.17855460941791534}],"sentiment":"neutral","sentiment_score":0.13895517504877514,"channel":0,"num_words":9,"start":2.32,"end":5.38},{"sentences":[{"text":"Oh, mate.","start":5.7599998,"end":6.16,"sentiment":"neutral","sentiment_score":0.19778717309236526},{"text":"Not too bad.","start":6.16,"end":6.96,"sentiment":"positive","sentiment_score":0.34410404165585834},{"text":"Surviving as usual like everyone else.","start":6.96,"end":9.36,"sentiment":"positive","sentiment_score":0.5310488591591517},{"text":"Just hang","start":9.36,"end":9.84,"sentiment":"neutral","sentiment_score":0.03792366944253445}],"sentiment":"positive","sentiment_score":0.3607713049994065,"channel":1,"num_words":13,"start":5.7599998,"end":9.84},{"sentences":[{"text":"Yeah.","start":9.76,"end":10.08,"sentiment":"neutral","sentiment_score":0.0462481752038002}],"sentiment":"neutral","sentiment_score":0.0462481752038002,"channel":0,"num_words":1,"start":9.76,"end":10.08},{"sentences":[{"text":"on 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your day?","start":13.245,"end":14.224999,"sentiment":"neutral","sentiment_score":0.14843245844046274}],"sentiment":"neutral","sentiment_score":0.13143019378185272,"channel":1,"num_words":4,"start":11.92,"end":14.224999},{"sentences":[{"text":"Sensational so far.","start":15.215,"end":16.255001,"sentiment":"neutral","sentiment_score":0.21050944924354553},{"text":"I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of.","start":16.255001,"end":23.795,"sentiment":"positive","sentiment_score":0.5372957345985231}],"sentiment":"positive","sentiment_score":0.4964474489291509,"channel":0,"num_words":24,"start":15.215,"end":23.795},{"sentences":[{"text":"Oh, good.","start":23.965,"end":24.605,"sentiment":"positive","sentiment_score":0.5623957216739655},{"text":"That's good.","start":24.605,"end":25.67,"sentiment":"positive","sentiment_score":0.6364561915397644},{"text":"You're considering you had to wake up so well so often, you 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be","start":30.03,"end":30.43,"sentiment":"neutral","sentiment_score":0.10333748906850815}],"sentiment":"neutral","sentiment_score":0.10333748906850815,"channel":0,"num_words":2,"start":30.03,"end":30.43},{"sentences":[{"text":"today.","start":30.45,"end":30.95,"sentiment":"neutral","sentiment_score":0.13070780038833618}],"sentiment":"neutral","sentiment_score":0.13070780038833618,"channel":1,"num_words":1,"start":30.45,"end":30.95},{"sentences":[{"text":"yeah.","start":31.150002,"end":31.470001,"sentiment":"neutral","sentiment_score":0.09699136018753052},{"text":"I thought I'd be crashing at 02:00, and so far feeling pretty 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me.","start":37.665,"end":39.285,"sentiment":"positive","sentiment_score":0.37863793472448987}],"sentiment":"neutral","sentiment_score":0.2692342147231102,"channel":1,"num_words":10,"start":35.73,"end":39.285},{"sentences":[{"text":"Yeah.","start":39.565,"end":39.885,"sentiment":"neutral","sentiment_score":0.0528329536318779},{"text":"No worries.","start":39.885,"end":40.545,"sentiment":"neutral","sentiment_score":-0.04679238051176071}],"sentiment":"neutral","sentiment_score":-0.013583935797214508,"channel":0,"num_words":3,"start":39.565,"end":40.545},{"sentences":[{"text":"I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now.","start":40.704998,"end":49.364998,"sentiment":"neutral","sentiment_score":-0.24822527696860247},{"text":"I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement.","start":50.940002,"end":55.84,"sentiment":"neutral","sentiment_score":-0.172969638928771},{"text":"And given","start":56.54,"end":57.18,"sentiment":"neutral","sentiment_score":-0.20914356410503387}],"sentiment":"neutral","sentiment_score":-0.21718064586029334,"channel":1,"num_words":51,"start":40.704998,"end":57.18},{"sentences":[{"text":"Yep.","start":57.02,"end":57.52,"sentiment":"neutral","sentiment_score":-0.16708728671073914}],"sentiment":"neutral","sentiment_score":-0.16708728671073914,"channel":0,"num_words":1,"start":57.02,"end":57.52},{"sentences":[{"text":"all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous.","start":57.18,"end":66.08,"sentiment":"negative","sentiment_score":-0.3588783371448517}],"sentiment":"negative","sentiment_score":-0.3588783371448517,"channel":1,"num_words":25,"start":57.18,"end":66.08},{"sentences":[{"text":"Yeah.","start":66.795,"end":67.115,"sentiment":"neutral","sentiment_score":-0.17849360406398773},{"text":"I can imagine with all the budget changes and everything.","start":67.115,"end":69.695,"sentiment":"neutral","sentiment_score":-0.1727184996008873}],"sentiment":"neutral","sentiment_score":-0.1732435090975328,"channel":0,"num_words":11,"start":66.795,"end":69.695},{"sentences":[{"text":"Yeah.","start":70.245,"end":70.745,"sentiment":"neutral","sentiment_score":-0.0351082906126976},{"text":"Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was 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current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return.","start":89.46999,"end":111.119995,"sentiment":"neutral","sentiment_score":-0.014415427354042944}],"sentiment":"neutral","sentiment_score":-0.014415427354042944,"channel":1,"num_words":46,"start":89.46999,"end":111.119995},{"sentences":[{"text":"Yeah.","start":111.895004,"end":112.395004,"sentiment":"neutral","sentiment_score":-0.04915706813335419}],"sentiment":"neutral","sentiment_score":-0.04915706813335419,"channel":0,"num_words":1,"start":111.895004,"end":112.395004},{"sentences":[{"text":"Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I 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say, hey.","start":131.43,"end":135.20999,"sentiment":"neutral","sentiment_score":0.10438079585631689},{"text":"Is my profile still right for what it is?","start":135.98999,"end":138.97,"sentiment":"neutral","sentiment_score":0.10047788090176052}],"sentiment":"neutral","sentiment_score":0.10291720274835825,"channel":1,"num_words":24,"start":131.43,"end":138.97},{"sentences":[{"text":"Yep.","start":139.28499,"end":139.78499,"sentiment":"neutral","sentiment_score":0.0882050022482872}],"sentiment":"neutral","sentiment_score":0.0882050022482872,"channel":0,"num_words":1,"start":139.28499,"end":139.78499},{"sentences":[{"text":"That's probably the first question.","start":139.34999,"end":140.97,"sentiment":"neutral","sentiment_score":0.0898391380906105},{"text":"The second question I've got is is the mix currently right for where we are and for where the global environment currently stands, taking into account where I am right 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is.","start":157.59001,"end":165.91,"sentiment":"neutral","sentiment_score":0.07416490186005831},{"text":"The other one's","start":165.91,"end":166.79001,"sentiment":"neutral","sentiment_score":-0.02330495168765386}],"sentiment":"neutral","sentiment_score":0.06418092846870423,"channel":1,"num_words":45,"start":155.22499,"end":166.79001},{"sentences":[{"text":"Yep.","start":166.43501,"end":166.93501,"sentiment":"neutral","sentiment_score":-0.04975926876068115}],"sentiment":"neutral","sentiment_score":-0.04975926876068115,"channel":0,"num_words":1,"start":166.43501,"end":166.93501},{"sentences":[{"text":"a little bit more complicated and a little bit of how long is a piece of 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sitting at 200,000 around about in income.","start":723.445,"end":727.1,"sentiment":"neutral","sentiment_score":-0.048357560045339844}],"sentiment":"neutral","sentiment_score":-0.048357560045339844,"channel":0,"num_words":11,"start":723.445,"end":727.1},{"sentences":[{"text":"yeah.","start":726.805,"end":727.305,"sentiment":"neutral","sentiment_score":0.0005502421408891678},{"text":"Yeah.","start":728.16504,"end":728.565,"sentiment":"neutral","sentiment_score":0.0160377100110054},{"text":"Yeah.","start":728.565,"end":728.885,"sentiment":"neutral","sentiment_score":0.01700938306748867},{"text":"So so it really hasn't changed that much because because of my position in the organization and in the organization's pay pay scale, I'm already at the top end of my banding.","start":728.885,"end":742.04,"sentiment":"neutral","sentiment_score":0.07587588368915021},{"text":"The only way I go above that is I get a promotion to go above and beyond that.","start":742.04,"end":746.04,"sentiment":"neutral","sentiment_score":0.19452269913421738}],"sentiment":"neutral","sentiment_score":0.11251007920166231,"channel":1,"num_words":53,"start":726.805,"end":746.04},{"sentences":[{"text":"But for me personally, I don't wanna do that because I don't want any more stress in my 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the only thing I bank on is is the at risk component, which is the bonus I I I get.","start":755.665,"end":761.665,"sentiment":"neutral","sentiment_score":0.0864294022321701},{"text":"Right?","start":761.665,"end":761.985,"sentiment":"neutral","sentiment_score":0.10548998415470125},{"text":"So for example, like, last year, I've got a decent bonus out of that, but I lose 60% of that in tax.","start":761.985,"end":769.01996,"sentiment":"neutral","sentiment_score":0.05672216246073896},{"text":"And out of my tax return for last year, I got I got 12 k.","start":769.56,"end":774.13995,"sentiment":"neutral","sentiment_score":0.021436085800329845}],"sentiment":"neutral","sentiment_score":0.055809004604816435,"channel":1,"num_words":60,"start":755.345,"end":774.13995},{"sentences":[{"text":"I'm back from the tax office, and I dropped 10 k straight into my offset.","start":774.68,"end":779.31995,"sentiment":"neutral","sentiment_score":-0.0027840040624141694},{"text":"So I that's what I'm doing.","start":779.31995,"end":780.855,"sentiment":"neutral","sentiment_score":0.08030759915709496}],"sentiment":"neutral","sentiment_score":0.020956454000302722,"channel":1,"num_words":21,"start":774.68,"end":780.855},{"sentences":[{"text":"Yep.","start":781.22,"end":781.62,"sentiment":"neutral","sentiment_score":0.098868265748024},{"text":"Yeah.","start":781.62,"end":782.12,"sentiment":"neutral","sentiment_score":0.048722948879003525},{"text":"So for this","start":782.18,"end":782.89996,"sentiment":"neutral","sentiment_score":-0.007108033634722233}],"sentiment":"neutral","sentiment_score":0.025253422744572162,"channel":0,"num_words":5,"start":781.22,"end":782.89996},{"sentences":[{"text":"Alright.","start":782.77496,"end":783.27496,"sentiment":"neutral","sentiment_score":0.004564314614981413}],"sentiment":"neutral","sentiment_score":0.004564314614981413,"channel":1,"num_words":1,"start":782.77496,"end":783.27496},{"sentences":[{"text":"financial year, given that it's about to end tonight,","start":782.89996,"end":785.32,"sentiment":"neutral","sentiment_score":0.0010010992927062842}],"sentiment":"neutral","sentiment_score":0.0010010992927062842,"channel":0,"num_words":9,"start":782.89996,"end":785.32},{"sentences":[{"text":"Yeah.","start":785.975,"end":786.475,"sentiment":"neutral","sentiment_score":-0.011381467804312706}],"sentiment":"neutral","sentiment_score":-0.011381467804312706,"channel":1,"num_words":1,"start":785.975,"end":786.475},{"sentences":[{"text":"what do you think your employer has totally paid you in gross terms from wages and bonuses?","start":786.02,"end":793.04504,"sentiment":"neutral","sentiment_score":-0.06844934470513288}],"sentiment":"neutral","sentiment_score":-0.06844934470513288,"channel":0,"num_words":17,"start":786.02,"end":793.04504},{"sentences":[{"text":"So so the I got 30 k out of my bonus this financial year just gone.","start":793.94,"end":799.88,"sentiment":"neutral","sentiment_score":-0.23406543536111712}],"sentiment":"neutral","sentiment_score":-0.23406543536111712,"channel":1,"num_words":16,"start":793.94,"end":799.88},{"sentences":[{"text":"Okay.","start":800.32,"end":800.82,"sentiment":"neutral","sentiment_score":-0.05813676863908768}],"sentiment":"neutral","sentiment_score":-0.05813676863908768,"channel":0,"num_words":1,"start":800.32,"end":800.82},{"sentences":[{"text":"Right?","start":800.89996,"end":801.39996,"sentiment":"neutral","sentiment_score":-0.05698496103286743},{"text":"And I've got 30 I think I got 30 k in total.","start":801.45996,"end":804.76,"sentiment":"neutral","sentiment_score":-0.14045206333200136},{"text":"And then the salary wise, it's probably not worthwhile.","start":805.94,"end":812.91504,"sentiment":"negative","sentiment_score":-0.4861360390981038},{"text":"I mean, I think I got an extra $1,000 in my salary or something like that.","start":813.055,"end":817.61505,"sentiment":"negative","sentiment_score":-0.3436718825250864},{"text":"So it's not it's nothing.","start":817.61505,"end":818.97504,"sentiment":"neutral","sentiment_score":-0.30456376671791074}],"sentiment":"neutral","sentiment_score":-0.30556286109048264,"channel":1,"num_words":43,"start":800.89996,"end":818.97504},{"sentences":[{"text":"It's literally nothing.","start":818.97504,"end":820.275,"sentiment":"negative","sentiment_score":-0.3618028561274211},{"text":"So if if we work off I mean, actually, before you do let let me let me jump on online.","start":820.89,"end":826.57,"sentiment":"neutral","sentiment_score":-0.017221590504050255},{"text":"I'm on I'm at my work.","start":826.57,"end":827.69,"sentiment":"neutral","sentiment_score":0.043693031184375286},{"text":"I can jump into and have a look at my my paid paid slip if you just bear with me for 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contributions.","start":834.27,"end":838.375,"sentiment":"neutral","sentiment_score":0.17970902658998966}],"sentiment":"neutral","sentiment_score":0.20660326586050146,"channel":0,"num_words":17,"start":833.71,"end":838.375},{"sentences":[{"text":"see.","start":838.345,"end":838.505,"sentiment":"neutral","sentiment_score":0.06487904489040375},{"text":"Yeah.","start":838.505,"end":839.005,"sentiment":"neutral","sentiment_score":0.07972563803195953}],"sentiment":"neutral","sentiment_score":0.07230234146118164,"channel":1,"num_words":2,"start":838.345,"end":839.005},{"sentences":[{"text":"So I wanted to have a look at that as well while you grab up the payslip.","start":838.915,"end":842.375,"sentiment":"neutral","sentiment_score":0.0870305466301301}],"sentiment":"neutral","sentiment_score":0.0870305466301301,"channel":0,"num_words":17,"start":838.915,"end":842.375},{"sentences":[{"text":"K.","start":842.105,"end":842.345,"sentiment":"neutral","sentiment_score":0.04247889667749405},{"text":"Let me let me go into I just realized I can go into Workday now to have a look at my pay slip.","start":842.345,"end":847.805,"sentiment":"neutral","sentiment_score":0.05504102519024973},{"text":"I got paid last week, so the payslip is already available.","start":849.0,"end":851.9,"sentiment":"neutral","sentiment_score":0.07724118300459602}],"sentiment":"neutral","sentiment_score":0.06165929968867983,"channel":1,"num_words":35,"start":842.105,"end":851.9},{"sentences":[{"text":"Yeah.","start":853.17,"end":853.41,"sentiment":"neutral","sentiment_score":0.2428324967622757},{"text":"That's perfect.","start":853.41,"end":854.29,"sentiment":"positive","sentiment_score":0.528434693813324},{"text":"So I'll grab this report up.","start":854.29,"end":855.97,"sentiment":"neutral","sentiment_score":0.2987655351559321},{"text":"You do that.","start":855.97,"end":856.52997,"sentiment":"neutral","sentiment_score":0.22273560365041098},{"text":"Just let me know when you are ready.","start":856.52997,"end":858.87,"sentiment":"neutral","sentiment_score":0.14974822290241718}],"sentiment":"neutral","sentiment_score":0.24792438447475434,"channel":0,"num_words":20,"start":853.17,"end":858.87},{"sentences":[{"text":"Yeah.","start":903.95,"end":904.45,"sentiment":"neutral","sentiment_score":0.056298237293958664}],"sentiment":"neutral","sentiment_score":0.056298237293958664,"channel":0,"num_words":1,"start":903.95,"end":904.45},{"sentences":[{"text":"Tommy?","start":905.65,"end":906.13,"sentiment":"neutral","sentiment_score":0.045254334807395935},{"text":"Hello.","start":906.13,"end":906.53,"sentiment":"neutral","sentiment_score":0.05455556511878967},{"text":"This payslip up now.","start":906.53,"end":908.47003,"sentiment":"neutral","sentiment_score":0.06461695488542318}],"sentiment":"neutral","sentiment_score":0.05971295324464639,"channel":1,"num_words":6,"start":905.65,"end":908.47003},{"sentences":[{"text":"Okay.","start":909.405,"end":909.905,"sentiment":"neutral","sentiment_score":0.04636206477880478}],"sentiment":"neutral","sentiment_score":0.04636206477880478,"channel":0,"num_words":1,"start":909.405,"end":909.905},{"sentences":[{"text":"What information do you need?","start":909.57,"end":911.295,"sentiment":"neutral","sentiment_score":0.028009359911084174}],"sentiment":"neutral","sentiment_score":0.028009359911084174,"channel":1,"num_words":5,"start":909.57,"end":911.295},{"sentences":[{"text":"So I'm just looking for the year to date total 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there's","start":973.975,"end":974.53503,"sentiment":"neutral","sentiment_score":-0.003889715764671564}],"sentiment":"neutral","sentiment_score":0.02264036698680785,"channel":1,"num_words":9,"start":971.895,"end":974.53503},{"sentences":[{"text":"No.","start":974.47,"end":974.70996,"sentiment":"neutral","sentiment_score":-0.019835572689771652}],"sentiment":"neutral","sentiment_score":-0.019835572689771652,"channel":0,"num_words":1,"start":974.47,"end":974.70996},{"sentences":[{"text":"a number","start":974.53503,"end":975.015,"sentiment":"neutral","sentiment_score":-0.014987759292125702}],"sentiment":"neutral","sentiment_score":-0.014987759292125702,"channel":1,"num_words":2,"start":974.53503,"end":975.015},{"sentences":[{"text":"That's fine.","start":974.70996,"end":975.44995,"sentiment":"neutral","sentiment_score":0.07801847904920578}],"sentiment":"neutral","sentiment_score":0.07801847904920578,"channel":0,"num_words":2,"start":974.70996,"end":975.44995},{"sentences":[{"text":"of things in here.","start":975.015,"end":976.08,"sentiment":"neutral","sentiment_score":0.04638829827308655}],"sentiment":"neutral","sentiment_score":0.04638829827308655,"channel":1,"num_words":4,"start":975.015,"end":976.08},{"sentences":[{"text":"I've got the super component from AMZ up in front of me now.","start":976.47,"end":980.62994,"sentiment":"neutral","sentiment_score":0.12693060418734184},{"text":"I just need that year to date portion to see how far above 200","start":980.62994,"end":985.445,"sentiment":"neutral","sentiment_score":0.06003168917128018}],"sentiment":"neutral","sentiment_score":0.09224227788271727,"channel":0,"num_words":27,"start":976.47,"end":985.445},{"sentences":[{"text":"K.","start":985.36005,"end":985.86005,"sentiment":"neutral","sentiment_score":0.029202338308095932}],"sentiment":"neutral","sentiment_score":0.029202338308095932,"channel":1,"num_words":1,"start":985.36005,"end":985.86005},{"sentences":[{"text":"is it 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listening.","start":997.51996,"end":998.16,"sentiment":"neutral","sentiment_score":-0.19250740110874176},{"text":"Sorry.","start":998.16,"end":998.66,"sentiment":"neutral","sentiment_score":-0.11371348053216934}],"sentiment":"neutral","sentiment_score":-0.17228943295776844,"channel":0,"num_words":4,"start":997.44,"end":998.66},{"sentences":[{"text":"Okay.","start":999.255,"end":999.755,"sentiment":"neutral","sentiment_score":0.02436830848455429},{"text":"So the big the big amount for the ANZ super is $23.08 $2.04 and $0.02.","start":999.895,"end":1008.79004,"sentiment":"neutral","sentiment_score":0.14544482429822286},{"text":"And then there's also another component.","start":1009.17004,"end":1011.57,"sentiment":"neutral","sentiment_score":0.028939525907238323},{"text":"So 23,824 also another amount for 2,019.","start":1011.57,"end":1018.71,"sentiment":"neutral","sentiment_score":0.05285369232296944}],"sentiment":"neutral","sentiment_score":0.09481564395386598,"channel":1,"num_words":29,"start":999.255,"end":1018.71},{"sentences":[{"text":"Yep.","start":1019.71,"end":1020.21,"sentiment":"neutral","sentiment_score":0.09516577422618866},{"text":"So I think that matches the 25,000 I can see on the statement for","start":1033.319,"end":1038.7439,"sentiment":"neutral","sentiment_score":0.1554914845951966}],"sentiment":"neutral","sentiment_score":0.15146977057059605,"channel":0,"num_words":15,"start":1019.71,"end":1038.7439}]},"summary":{"result":"success","short":"A man named Tommy discusses his mental health and retirement plans with a woman named James, expressing his nervousness due to political and economic conditions and uncertainty of the UK's President's handling of the Brexit deal. He discusses his financial planning and potential options for improving his life, including his retirement plans and the stress of living in a stressful situation. The speaker emphasizes the importance of keeping his retirement savings in his back pocket and mentions his desire to use the carry forward feature to access them. He provides information on his pay slip and report his employer contributions from wages and bonuses, highlighting the benefits of accessing up to 10% of his retirement savings to boost his retirement savings and reduce stress."},"intents":{"segments":[{"text":"Mister Cito, Tommy here from. How are you doing? Oh, mate. Not too bad. Surviving as usual like everyone else. Just hang Yeah.","start_word":3,"end_word":25,"intents":[{"intent":"Providing information","confidence_score":0.013168792}]},{"text":"I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of. Oh, good.","start_word":45,"end_word":67,"intents":[{"intent":"Expressing gratitude","confidence_score":0.014329698}]},{"text":"to I catch thought clarity I'd be today. yeah. I thought I'd be crashing at 02:00, and so far feeling pretty good. Okay.","start_word":84,"end_word":106,"intents":[{"intent":"Sharing thoughts","confidence_score":0.005355497}]},{"text":"I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now. I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement. And given Yep.","start_word":119,"end_word":170,"intents":[{"intent":"Discussing retirement timeline","confidence_score":0.03248337}]},{"text":"I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now. I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement. And given Yep. all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous.","start_word":119,"end_word":195,"intents":[{"intent":"Expressing concern","confidence_score":0.1822163},{"intent":"Relaying time frame","confidence_score":1.15877796e-7}]},{"text":"Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was one. I I guess the first thing is deal let's deal with the easy stuff first, which is the super. Yeah.","start_word":208,"end_word":261,"intents":[{"intent":"Discussing options","confidence_score":0.0005238204},{"intent":"Discussing social media activities","confidence_score":9.541682e-8}]},{"text":"with my with my current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return. Yeah.","start_word":264,"end_word":310,"intents":[{"intent":"Sharing interest in current profile","confidence_score":0.00009483562}]},{"text":"Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I have. I mean, if I had ten years, eleven years to go, I wouldn't be worried too much because the market will always pick up over a couple of years. Yeah. Given Yeah.","start_word":312,"end_word":382,"intents":[{"intent":"Assess market position","confidence_score":0.05200208}]},{"text":"wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years? Right? Yeah.","start_word":641,"end_word":708,"intents":[{"intent":"Discuss financial planning","confidence_score":0.017286781}]},{"text":"wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years? Right? Yeah. Absolutely.","start_word":641,"end_word":709,"intents":[{"intent":"Get ideas","confidence_score":0.37141573}]},{"text":"Ideally, I want ideally, I still want to work, but I'm just working on on the conservative side to say that I'm the official age of retirement. I could be pushed into it, not at my own choosing, but by by my employer. Yeah. Correct. Okay?","start_word":709,"end_word":754,"intents":[{"intent":"Work towards retirement","confidence_score":0.0011339308}]},{"text":"Now I don't know whether you're the right person or or you're not the right person or you would say to me, look. Hey, James.","start_word":791,"end_word":815,"intents":[{"intent":"Look at individual","confidence_score":0.0013410914}]},{"text":"But I think I'm in a position where I've got a little bit of money that I could utilize.","start_word":872,"end_word":890,"intents":[{"intent":"Utilize money","confidence_score":0.088289686}]},{"text":"But I think I'm in a position where I've got a little bit of money that I could utilize. The other factor I've got is the property scenario that I've got. I've got a property that's sitting in Melbourne that currently is not making any money.","start_word":872,"end_word":917,"intents":[{"intent":"Decrease income","confidence_score":0.001125586}]},{"text":"The other factor I've got is the property scenario that I've got. I've got a property that's sitting in Melbourne that currently is not making any money.","start_word":891,"end_word":917,"intents":[{"intent":"Discuss property scenario","confidence_score":0.13856359}]},{"text":"I've had my finances refi, and I have about 160 k 116 k sitting there as a deposit ready to go. Right? I've got money put it Okay. down coming out of the refi.","start_word":930,"end_word":963,"intents":[{"intent":"Use refi","confidence_score":0.02282738}]},{"text":"understood I remember well. that. Yeah.","start_word":1088,"end_word":1093,"intents":[{"intent":"Understand situation","confidence_score":0.014816958}]},{"text":"So that's where I want I want I'm I'm currently sitting right now, and then I I just want some guidance or some thoughts around of of thinking of what should I do or what do I need to look at because, effectively, I've got more money going out than money coming in. Yeah.","start_word":1095,"end_word":1148,"intents":[{"intent":"Find guidance","confidence_score":0.007064669}]},{"text":"And that must be pretty stressful considering what you might be looking at in terms of price Yeah.","start_word":1149,"end_word":1166,"intents":[{"intent":"Evaluate stress","confidence_score":0.0059310375}]},{"text":"And having this anchor following you to the last few years leading to retirement, that must be pretty stressful. It it is it is awfully stressful. I mean, the Yeah. only thing I can sort of feel and have a level of comfort is saying, I don't have dependents. It's only me. I gotta think about it. If I go, I go. The rest of the world can deal with my death when I'm gone. Alright?","start_word":1175,"end_word":1250,"intents":[{"intent":"Reflect on future","confidence_score":0.016004864}]},{"text":"This is Yep. the easy parts come first, but I've got to tie all three of them together into one plan. Okay. Okay.","start_word":1342,"end_word":1364,"intents":[{"intent":"Clarify plan objectives","confidence_score":0.0011528222}]},{"text":"that gets you the thousand dollars a week tax free for twenty, twenty five years without Okay. building it up to $6.07, 800,000. That gives you this little bit of a solid cash flow, and that I Yeah.","start_word":1628,"end_word":1665,"intents":[{"intent":"Manage cash flow","confidence_score":0.0071118358}]},{"text":"Number two is because you can access up to 10%, if we're gonna do anything property wise, there's potentially another 60 sitting here that we could potentially pull out to leverage on if we need to. Yeah.","start_word":1991,"end_word":2027,"intents":[{"intent":"Extend investments in property portfolios","confidence_score":2.758092e-7}]},{"text":"what do you think your employer has totally paid you in gross terms from wages and bonuses?","start_word":2339,"end_word":2355,"intents":[{"intent":"Check pay status","confidence_score":0.0010283277}]}]},"sentiments":{"segments":[{"text":"Hello. James speaking. Mister Cito, Tommy here from. How are you doing? Oh, mate.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.12361735105514526},{"text":"Not too bad. Surviving as usual like everyone else.","start_word":14,"end_word":22,"sentiment":"positive","sentiment_score":0.45956525206565857},{"text":"Just hang Yeah. on for We're a sec, all. mate. Just hang No on. worries. Okay. How's your day? Sensational so far.","start_word":23,"end_word":44,"sentiment":"neutral","sentiment_score":0.08253952860832214},{"text":"I despite getting up six times last night, I have a surprising amount of mental clarity today, which I'm appreciative of. Oh, good. That's good.","start_word":45,"end_word":69,"sentiment":"positive","sentiment_score":0.5662083029747009},{"text":"You're considering you had to wake up so well so often, you managed Yeah. to I catch thought clarity I'd be today. yeah. I thought I'd be crashing at 02:00, and so far feeling pretty good. Okay. Alright. Hey. Listen.","start_word":70,"end_word":109,"sentiment":"neutral","sentiment_score":0.125555157661438},{"text":"Thanks for getting back to me.","start_word":110,"end_word":115,"sentiment":"positive","sentiment_score":0.3865487277507782},{"text":"Yeah. No worries. I I I guess the reason why I wanted to catch up with you is I'm starting to panic a little bit given the time frame I have now. I mean, I've I've looked at my age and then I've looked at the time run I've got till retirement. And given Yep.","start_word":116,"end_word":170,"sentiment":"neutral","sentiment_score":-0.21040715277194977},{"text":"all the noise that's been happening both at the at the country level and the government level, I'm really, really starting to get very nervous.","start_word":171,"end_word":195,"sentiment":"negative","sentiment_score":-0.37582001090049744},{"text":"Yeah. I can imagine with all the budget changes and everything. Yeah. Probably the main probably a couple of things I wanted to talk to you about, and then I think I left a note with one of the guys at at your organization was one. I I guess the first thing is deal let's deal with the easy stuff first, which is the super. Yeah. Current Yep. with my with my current profile, which is a a balanced risk profile, I noticed that the the way my my super is currently structured, I'm making anything between 999.9% or even, I think, in the earliest from probably eight to 9.9% in terms of return. Yeah.","start_word":196,"end_word":310,"sentiment":"neutral","sentiment_score":-0.008597375825047493},{"text":"Given the way the market is at the moment and given what's happening in The Middle East and and you don't know what that president's going to do, I'm really, really nervous given the short time frame I have.","start_word":311,"end_word":349,"sentiment":"negative","sentiment_score":-0.3436817228794098},{"text":"I mean, if I had ten years, eleven years to go, I wouldn't be worried too much because the market will always pick up over a couple of years. Yeah. Given Yeah. where I am right now, I just wanted to chat with you to say, hey. Is my profile still right for what it is? Yep. That's probably the first question. The second question I've got is is the mix currently right for where we are and for where the global environment currently stands, taking into account where I am right now? That's Yeah. probably the main thing. Two things. This is the e this is I think this is the easy one where we spend a bit of time looking at it then come up with a strategy or lead the strategy as it is. The other one's Yep. a little bit more complicated and a little bit of how long is a piece of string. Okay? Yep. Now I'm in the situation right now where I've got an existing property that's sitting in Melbourne. I know a lot of just speaking around, I get the sense that a lot of investors are hanging off Victoria because they wanna find out what's gonna happen to the state government. Yeah. Right?","start_word":350,"end_word":561,"sentiment":"neutral","sentiment_score":-0.04126305878162384},{"text":"The other factor too is given what the federal government has done now for investors and really limiting not limiting, but making it awfully tough for us. And and and that's probably the thing. And and given all this compression happening in terms of what we can do and limitations of what we can do and what we can't do and what we need to look at, my time frame is not getting any longer.","start_word":562,"end_word":636,"sentiment":"negative","sentiment_score":-0.5384227633476257},{"text":"So I Yeah. wanted to chat with you more from a financial planning perspective and get some ideas of, okay, where can I look in terms of other avenues, other vehicles where I could, you know, if I could leverage to to improve my scenario so that I am not in dire straits when I get to where I need to be, which is three and a half years? Right? Yeah.","start_word":637,"end_word":707,"sentiment":"neutral","sentiment_score":0.14457147159207034},{"text":"Absolutely.","start_word":708,"end_word":708,"sentiment":"positive","sentiment_score":0.3690102696418762},{"text":"Ideally, I want ideally, I still want to work, but I'm just working on on the conservative side to say that I'm the official age of retirement. I could be pushed into it, not at my own choosing, but by by my employer. Yeah. Correct. Okay? So that's the thing I I need to look at. And then they're the main things I wanted to talk to you about. It's okay. What what where can I go? What can I look at?","start_word":709,"end_word":790,"sentiment":"neutral","sentiment_score":0.14951220154762268},{"text":"Now I don't know whether you're the right person or or you're not the right person or you would say to me, look.","start_word":791,"end_word":813,"sentiment":"negative","sentiment_score":-0.36816054582595825},{"text":"Hey, James. Given where where you I suggest you talk to these people in our organization. Right? I just want some direction. I I I'm not a 100% clear that. And, yes, I'll pop it on the chin to say that, you know, I I should have done this five, ten years ago, but I haven't. Right? Yeah. But I think I'm in a position where I've got a little bit of money that I could utilize. The other factor I've got is the property scenario that I've got. I've got a property that's sitting in Melbourne that currently is not making any money.","start_word":814,"end_word":917,"sentiment":"neutral","sentiment_score":-0.14469020068645477},{"text":"Well, I don't That believe one's it negatively is.","start_word":918,"end_word":926,"sentiment":"negative","sentiment_score":-0.3628336787223816},{"text":"good. Yeah. Yeah. I've had my finances refi, and I have about 160 k 116 k sitting there as a deposit ready to go. Right? I've got money put it Okay. down coming out of the refi. I've got money sitting there, a 115 there plus a 140 of my own money in cash. Alright? But but that's not saying all of that's about because I I wanna give better cash for the rainy day as well. Yeah. The other factor is the other factor is my other property in in Sydney, which is Crow's at Crozet, nest. that was my PPR. Now I've rented that out.","start_word":927,"end_word":1033,"sentiment":"neutral","sentiment_score":0.05309263017968597},{"text":"Now from a financial from a financial perspective, it was a illogical decision for me to make to rent that out, and the incomings on that is less than the outgoings on my current property that I'm renting. But my my mental health was the big issue when I did it, and I Yeah.","start_word":1034,"end_word":1087,"sentiment":"negative","sentiment_score":-0.3684464693069458},{"text":"understood I remember well. that. Yeah. Yeah? So that's where I want I want I'm I'm currently sitting right now, and then I I just want some guidance or some thoughts around of of thinking of what should I do or what do I need to look at because, effectively, I've got more money going out than money coming in. Yeah. And that must be pretty stressful considering what you might be looking at in terms of price Yeah. trends of properties and things Yeah. like that. And having this anchor following you to the last few years leading to retirement, that must be pretty stressful.","start_word":1088,"end_word":1193,"sentiment":"neutral","sentiment_score":-0.1161646842956543},{"text":"It it is it is awfully stressful.","start_word":1194,"end_word":1200,"sentiment":"negative","sentiment_score":-0.4457659721374512},{"text":"I mean, the Yeah. only thing I can sort of feel and have a level of comfort is saying, I don't have dependents. It's only me. I gotta think about it. If I go, I go.","start_word":1201,"end_word":1236,"sentiment":"neutral","sentiment_score":-0.2640268802642822},{"text":"The rest of the world can deal with my death when I'm gone.","start_word":1237,"end_word":1249,"sentiment":"negative","sentiment_score":-0.43682682514190674},{"text":"Alright? K.","start_word":1250,"end_word":1251,"sentiment":"neutral","sentiment_score":-0.10387776046991348},{"text":"But I don't wanna be in that position that come the time for me to to not work and I'm still alive, then I've still got this noose around my neck.","start_word":1252,"end_word":1282,"sentiment":"negative","sentiment_score":-0.4944319725036621},{"text":"Yeah.","start_word":1283,"end_word":1283,"sentiment":"neutral","sentiment_score":0.07657685875892639},{"text":"I'm really glad we're having this conversation tonight because I came into looking at your file before this call with a few ideas in mind.","start_word":1284,"end_word":1308,"sentiment":"positive","sentiment_score":0.4507374167442322},{"text":"And just Yeah. based on what you've told me already, I've got a few more ideas to throw into the mix as well, and I need to look at this holistically as well. This is Yep. the easy parts come first, but I've got to tie all three of them together into one plan.","start_word":1309,"end_word":1362,"sentiment":"neutral","sentiment_score":0.24795623206430012},{"text":"Okay. Okay. I'm glad you've done that. I guess I guess So it's it's it's also, for me, is is to be able to be man enough to come to you with the problem I'm facing.","start_word":1363,"end_word":1398,"sentiment":"positive","sentiment_score":0.44544991850852966},{"text":"Right? Yeah. I know I I'm appreciate not in dire that. straits. I've got a little bit of I've got a little bit of something behind me, but it it's just swallowing my pride to make that decision to talk to you. Yeah. And the way I can kinda see all this formulating is what you talked about with the risk level with the super, have to deal with Yeah. that. And the properties, I think it's time that we looked at making some major changes in that space as well. We've talked about Okay. it maybe a few times already, and it's Yeah. been a bit of a holding pattern, but I'm starting to lean towards taking a bit of action sooner rather than later. Well, exactly. I want to do something now. I'm I'm I'm part of me is risk averse, but at the same time is if I can manage the risk with the knowns, I'd rather do that, but not expose myself too much, if you know what I So one thing I can give you that's some easy mean. reassurance to start with is let's say that the super sitting at 602,000 and you've got your ANZ account. Right? Yeah. If let's just say, for argument's sake, I just carved out 550,000 off to the side, and we Yeah. invested that conservatively, Yeah. that gets you the thousand dollars a week tax free for twenty, twenty five years without Okay.","start_word":1399,"end_word":1643,"sentiment":"neutral","sentiment_score":0.06209826262629762},{"text":"building it up to $6.07, 800,000. That gives you this little bit of a solid cash flow, and that I Yeah.","start_word":1644,"end_word":1664,"sentiment":"positive","sentiment_score":0.5547756552696228},{"text":"don't wanna risk because the balance risk profile that you're in, if we keep it there and you've got a decent amount in gold and gold's done great, that's fantastic. But if we leave it there, you risk that 15 to 20% volatility in the worst case scenario, which puts you back down to Yeah. a $100,000. Yeah. Okay. Just when you meant you were told that I had something popped in my mind. The other fact that was and we patched on it some time back. How can I leverage the what's the word for it? The various tax side of things given that I've reached that age of 60 now I'm sitting in. I know we talked about, you know, some of those opportunities exist. So that's something that I I thought I'd raise as well. Is this something that I can I can take use to my advantage given given that I'm still a full time employee, or is that something that's unavailable for me? It's something that I wanted to bring up as well. It is. It is. So this is something that we have to do, and it's a slight aside. But now Yeah. that you're 60 Yeah. while you're working, you can access up to 10%. K? So that gives you two options, and we won't decide on them right this second, but just to keep Okay. them in the back of your mind. Option Yeah. one is you can do a lump sum contribution into your super and kind of use up the caps that you haven't used the last five years, and then you can pull the money back out again and boost up your Yeah. super with the tax Yeah. differences now that you can access some of it. It's kinda like a recontribution. You pull it out. You put it back in again. Yeah.","start_word":1665,"end_word":1978,"sentiment":"neutral","sentiment_score":0.09746886789798737},{"text":"Tax difference boosts you up a little bit. So that's number one.","start_word":1979,"end_word":1990,"sentiment":"positive","sentiment_score":0.4248037338256836},{"text":"Number two is because you can access up to 10%, if we're gonna do anything property wise, there's potentially another 60 sitting here that we could potentially pull out to leverage on if we need to. Yeah. Yeah. Does that Now, make sense? yeah, it it kind of. You gotta remember I remember I told you my brain works logically like an IT person. So Yeah. I struggle a little bit. Now the the other thing the other thing is I'd I'd sort of did a little bit looking around, and it talks, you know, he talks about this concessional contribution using the carry forward and all that. Yep. Right? And and all that. So at the moment, I don't know whether I can I can utilize that or not given where my earnings are and what my my employer contribution is? Am I on the cap? I don't know. Close to it. I think last I'll time be I checked, you were sitting at 200,000 around about in income. yeah. Yeah. Yeah. So so it really hasn't changed that much because because of my position in the organization and in the organization's pay pay scale, I'm already at the top end of my banding. The only way I go above that is I get a promotion to go above and beyond that.","start_word":1991,"end_word":2213,"sentiment":"neutral","sentiment_score":0.05189220979809761},{"text":"But for me personally, I don't wanna do that because I don't want any more stress in my life.","start_word":2214,"end_word":2232,"sentiment":"negative","sentiment_score":-0.3807383477687836},{"text":"Yeah. So And you don't so need what it. no. So the only thing I bank on is is the at risk component, which is the bonus I I I get. Right? So for example, like, last year, I've got a decent bonus out of that, but I lose 60% of that in tax. And out of my tax return for last year, I got I got 12 k. I'm back from the tax office, and I dropped 10 k straight into my offset. So I that's what I'm doing. Yep. Yeah. So for this Alright. financial year, given that it's about to end tonight, Yeah. what do you think your employer has totally paid you in gross terms from wages and bonuses? So so the I got 30 k out of my bonus this financial year just gone. Okay. Right? And I've got 30 I think I got 30 k in total.","start_word":2233,"end_word":2385,"sentiment":"neutral","sentiment_score":-0.01731373238212922},{"text":"And then the salary wise, it's probably not worthwhile. I mean, I think I got an extra $1,000 in my salary or something like that.","start_word":2386,"end_word":2410,"sentiment":"negative","sentiment_score":-0.4094675481319427},{"text":"So it's not it's nothing.","start_word":2411,"end_word":2415,"sentiment":"neutral","sentiment_score":-0.3186360001564026},{"text":"It's literally nothing.","start_word":2416,"end_word":2418,"sentiment":"negative","sentiment_score":-0.35213738679885864},{"text":"So if if we work off I mean, actually, before you do let let me let me jump on online. I'm on I'm at my work. I can jump into and have a look at my my paid paid slip if you just bear with me for sec. Yeah.","start_word":2419,"end_word":2467,"sentiment":"neutral","sentiment_score":0.02084314450621605},{"text":"I That'll be can fantastic.","start_word":2468,"end_word":2472,"sentiment":"positive","sentiment_score":0.5375187397003174},{"text":"While you're doing that, I'm just gonna pull up the most recent report for the contributions. see. Yeah. So I wanted to have a look at that as well while you grab up the payslip. K. Let me let me go into I just realized I can go into Workday now to have a look at my pay slip. I got paid last week, so the payslip is already available. Yeah.","start_word":2473,"end_word":2543,"sentiment":"neutral","sentiment_score":0.10392381995916368},{"text":"That's perfect.","start_word":2544,"end_word":2545,"sentiment":"positive","sentiment_score":0.5244758129119873},{"text":"So I'll grab this report up. You do that. Just let me know when you are ready. Yeah. Tommy? Hello. This payslip up now. Okay. What information do you need? So I'm just looking for the year to date total income. Do you need super and all that type of thing? So my my bonus my bonus was 33,000. So that would be incorporated into that year No. to date growth, I would assume. K. Yeah. Yep. It absolutely would be. Do you need the super component? I mean, there's No. a number That's fine. of things in here. I've got the super component from AMZ up in front of me now. I just need that year to date portion to see how far above 200 K. is it in So total. so in the year to date analysis deductions, right, there are three super values in here that I've got. There's one value Right. for sorry? No. I'm listening. Sorry. Okay. So the big the big amount for the ANZ super is $23.08 $2.04 and $0.02. And then there's also another component. So 23,824 also another amount for 2,019. Yep. So I think that matches the 25,000 I can see on the statement for","start_word":2546,"end_word":2750,"sentiment":"neutral","sentiment_score":0.062703695566189}],"average":{"sentiment":"neutral","sentiment_score":0.0034651296497811993}}}}