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So as it's been explained, I'm one of the financial advisers with o two Financial. And I guess my whole role and what I do is I work individually and independently for each of my clients that I speak with. And I guess the reason for that is is purely and easily is that each of my clients are independent, and each of my clients have different goals. Now I know that you've worked really hard on giving a lot of information to my team already, and I really appreciate that. But what this conversation is is it's just a chance for me to get to know you a little bit better to understand and make sure that I'm I am heading in the right direction, make sure that I am prioritizing the goals that you're prioritizing. Now that being said, I understand that at the moment, you have a guess a bit of a personal goal that you're looking to try and, I guess, recover post a bit of a shoulder injury. Good. Perfect. And I guess shoulder injury wise, are you going okay? Good. Fantastic. That's very good. And, I guess, outside of that, a lot of your goals do center around, I guess, like, your retirement and where you're going to head with respect to, you know, your work life, which is great. Now I just did wanna ask. You had a retirement age of 65. Can I ask why that's the age you selected? Always. Yeah. Of course. No. Alright. So the the reason I ask is a a lot of people focus on 65 or 67 as retirement age because that's the age that, like, their superannuation becomes accessible or the age pension becomes accessible. Whereas your super actually becomes accessible at age 60, it's just restricted a little bit. So that's that's that's where people, I guess, get a little bit confused. Outside yeah. Yeah. And look. Realistically for yourself, you're you're still, unfortunately, to say, it's still a few years away from being able to to access it. So we're sort of you just turned 54. So, yeah, you're six you're six years away from 60, which means you're six years away from being able to have some fun with tax. Because once we turn 60, we can do some fun tax stuff. But in the meantime, we can definitely get it working for you in a way that's beneficial to help out most certainly. Now you've quoted $700 a week in income. Can I ask why that figure? Because currently, your income would be about the 1,100 ish mark. Yeah. Yeah. No. That's absolutely okay. That's perfect. So you've you've got a justification to why it is. And I guess the great thing is is, like, you have investment property already. So you've got a bit of residual income coming in there for the two of you outside of what you already have. Yeah. Good. Perfect. Now we have a goal to try and get the debt all paid off within the next five years. The investment property, are we well and truly on track to do that, or do we want some, I guess, auditing? Yep. She's got you well on track to get it paid off sooner rather than later. Okay. That's absolutely okay. Well, that's I mean, that's good. So, like, there's two properties that you you own. We're living in the we're living in the home that's fully paid off, but then the investment property like okay. No. That's okay. That's okay. Alright. So, yeah. So it was it they your the investment property was your primary residence, and now it it's turned to investment. Yeah. Alright. Perfect. No. That's okay. Cool. Cool. No. That's good. So we've because we came into the relationship with the house each, we we now have an investment. I love it. That's fantastic. See? Sometimes sometimes splitting can make things easy. Sometimes the first go doesn't work. Try again. No. That's fantastic. And then I know that we're wanting to we're wanting to travel camps. We're wanting to to go and do just just do life, which is good. That's perfect. Now I did wanna ask because you did raise it. You did say inheritance. May I ask where that comes from? You don't have to know anything. Yep. Yes. Yep. Like, we could. So the the options around the investment property are pretty wide. Like, yeah, the property's generating an an income of, like, $20. So, yes, it's not massive. And with that income, like, there's all all the headaches that can come from having a property. Right? You know? Because you've you've got like, it pays $650 a week, but, you know, you've got your your rental agents. You have them calling you. You have, you know, the rates and the water connection fee. And if the tent like, in the insurance and if the tenant break anything or damage anything, it's it's all of the the tasks that come along with having a property. Now if you don't want that headache, then 100%, we can look at selling it. The painful part is is that because it's an investment property, there could be capital gains tax on it. You've lived in the property previously, which is good, but the capital gains tax is gonna hit. Now there's a few things that we can do with it to make sure that we pay as little capital gains as possible. I would not recommend selling it right this second while you're working. The way capital gains works is the gain is added to your taxable income, and you are taxed on that highable taxable income. So because you're earning, you know, you're earning money, it means that that could push you into a new bracket. Because you own this property 100% by yourself, it's your income to earn, and it's not gonna be spread across your partners, which means that we can't decrease the the, the income or the taxes from that. What we can do is wait until you're pretty much at retirement age or wait until, you know, we're nearly ready to retire and have a bit of a conversation just before you retire about whether it's more beneficial to sell the property before you hang up the hat and use a few tax saving offset methodologies to reduce the tax or whether we wait until you finish working like, wait until you retire, then sell the property and just cut the capital gains at that's a lower rate because you it'll you know, the capital gain will be just considered whatever, you know, will be your income. So it'll be a bit of a, you know, wait and see type of game that we talk about sort of, you know, six to twelve months before you're ready to retire so we can kinda play around with the numbers figures and figure out what we are and aren't doing at that time. There's definitely nothing wrong with selling that property if you don't wanna deal with the, you know, the having that extra property. All the alternative is that you could sell the home you guys live in if you are if you're amenable or you're you're willing to do that. Sell the property you guys are in, pay no capital gains on that, and then move into the investment property. There's always that as well. It just depends on whether you, you know, have a preference for which property you wanna live in or if there's anything around side. Yeah. Twelve months. Have to be considered your primary place of residence? Yep. And then we so close. Good. Okay. So it's it's in the family, and he's probably looking after it pretty well anyway. Could you get more could you get more for the property if you put it on open market? Like, if you if you weren't renting to your kid. Yeah. Yes. You could buy another property. We could like, if they they're planning on buying that property, we could just let that property go. Let, like, let them buy it, and then we could invest the money in different ways. We can pop it into your superannuation fund. We could set up what's called, like, an investment account so the money stays accessible to you. Yeah. There there are a few different options. It just depends on whether you want some people get to retirement, and they've had investment properties their whole life. They retire, and they just sell all the investment properties up because they don't wanna deal with the headache of having to deal with the real estate, the renters, the contacts, the everything. They wanna go off grid, and they don't wanna deal with the crap that comes from having an investment property. Whereas other people are more than happy to have the investment property. You know? They check-in on it once every three months. Things run smoothly, and it's not, you know, an issue for them. It's it's really personal preference when it comes to, like, I guess, the asset that you hold. Some people prefer stock and shares because, well, the stocks and shares don't really talk back versus an investment property you have to deal with your renters and your real estate and the dishwasher broke and the fence is falling apart and whatever else comes from it. So yeah. So it it could be something we definitely talk about down the line. It doesn't have to be, like, a today conversation on where we go, but we can definitely, I guess, keep keep up with it as we we move through. Oh, cool. Oakview, o a k v I e w. Yeah. Like like a oak tree, the oak view. Yeah. And now I did want to just, I guess, touch on you have your ART or your Australian Retirement Trust Fund that currently has insurance inside of it. You have life and TPD or life and, I guess, total and permanent disability insurance. Are those amounts enough for you? Are those amounts are you comfortable with them? Yes. Yeah. No. It it's it's $48. So what would happen is if she passed away tomorrow, touch wood, $48,000 would be paid from the insurer into ART fund, which would basically turn your, you know, balance of you know, you've got $8,086,000 and nearly 87,000. That would turn that basically into nearly a 135. Right? So that 100 and 35,000 is then paid out to your beneficiary. Your beneficiary is then able to pay out the debts or have a sufficient balance to be able to support, you know, themselves. It just depends on what you're wanting to achieve with that benefit. Like, if your beneficiary, for example, was your partner, that money is sufficient to pay out the investment property. You know, your partner then has two investment properties oh, sorry. An investment property plus the home, the motor home, the race cars, the vans, the, you know, whatever else left to her or however your will because I understand you do have a will in place. However, your will kind of spaces that up. So whether the investment property goes give your son or whatever, you know, those assets are all able to be divvied up the way they need to. Realistically, you know, can I ask, like, do you know how your will is set up? Do you remember? No. Did you pretend? Okay. Cool. Good. Alright. So your kids are gonna end up with a house, which is great. And then there's this car, the motor home, the race car, the vans, the everything else. Yeah. I so things are nicely spread and split, which is good. It's just a matter of, I guess, just figuring out what what you wanna do with, like, the the super benefit. What is it achieving? You know? If your kids are gonna get a pretty much a fully paid off house, then worst case scenario, they sell it, and they walk away with a decent 350,000 each, or whether, you know, you want the extra benefit to go to them. Because currently, you know, you're paying you're paying for the insurance. The same as any insurance policy that we have, we pay for it. If you feel as though it's not really giving you a benefit, then, you know, we can definitely get rid of it. It's just a matter of understanding the risks that if you don't have that insurance in place, there's no extra benefit for the family. And in the event you're never able to work again, it's $48,000 that you don't receive. It's not a lot. Yeah. It the insurers within Superfunds, once you hit a certain age, it's basically a bell curve. So when we're, you know, 16 and starting out, we don't need insurance. When we hit 25, that's the magical age that they determine that we need insurance. Now me at 25, I had a five year old, so I definitely needed insurance for 25. But, again, insurers magically decide that that's the age that we need children. Sorry. We need insurance. Now from there, it basically bell curves all the way up until we hit about 42 because that is, again, the age that insurers have determined that we've got our life together and that we're starting to pay our debts down and that everything is, you know, going well. From that point, it starts going the benefit starts dropping. And the older we get, the less insurance we have. And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim on. And That is the standardized rule that they put in place, but not everyone's life runs that way. I have people that are in their well and truly into their fifties that still have hundreds of thousands of dollars worth of debt. I have people that are in their forties that have no debt at all. And like I said, I have quite a number of clients that are in their early twenties that have children that do need insurance because if anything does happen to those kids or it happens to them, they need to make sure that the kids are kids are covered and protected. So it's a rule of thumb guide that the insurers use within the super funds because it's group insurance. It's just grouped as a as a policy. This is what we've set up, and this is what you And it's not it's not meant to fit everyone. And, unfortunately, if you don't look into it, if you don't look at the product disclosure statement, you don't know about it. If you don't pay attention, you don't know about it. And a lot of people don't. They just go, well, my super fund's always gonna be there. It's fine. I'll just, you know, let it ride. So I will have a look at it, and I will start running some figures and numbers and see where it lands us. If the insurance is realistically not gonna make a dent in your overall financial position, I will recommend we cancel it. If I can find a policy that's gonna work for you that's gonna be nice and cheap and give you what you could possibly need, then I'll recommend that. I don't see a great need for insurance, so I'm gonna be completely frank. Are you able to find out what she does put into the fund? No. I would okay. Well, what I can do is I'll run the figures and have a have a look. What I can base it on is basing it on, like, the standardized 12%. So if you were to put 12% of your income into the super fund, which is the standardized regulatory rate, I'll base it on that. And then I'll also show in the documentation, yes, if you were to put nothing in. So that way, we've got a basis for nothing versus the legal rate, and I'll make a recommendation on what you would need to make sure you're putting in to make sure you're hitting your your desired goal. So making sure that we're actually retiring by the age of 65 and we have a good income of, you know, $700 a week. K. And I will exclude for now, I will exclude, obviously, the investment property, and I will exclude any inheritance and anything like that. Obviously, if we decide to sell the investment well, you know, we sell the investment property and we have a lump sum amount that we wanna play with and do something with, that'll come into play. And if or when the inheritance does eventually trickle through, we can obviously consider that, and that may mean, you know, we're able to back off on you know, putting as much into the super fund or, you know, we can take maybe a little bit more of a conservative position overall to the investment structure. Oh, don't get me wrong. You're not exactly a conservative investor, and you still got time to be able to invest, but I will look at making sure that we are protecting the assets you've built. So yeah. So I'll I'll crack into things and start researching everything. And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well. Okay. That that should be across the year, I would assume, unless you're looking at the cash statement. What was it? 5,790, did you say? Alright. Perfect. That's okay. And I'm assuming that's the last year? Okay. 07/01/2025. Alright. So that's what we've contributed so far. $5.07 5 $9.52. Perfect. I will I can I can work on that? That's fine. So that's pro rata for this year. That's easy. Fantastic. Cool. I can I can I can do the math on that and figure out how much he's paying? That's easy. Perfect. Alright. Well, I will let you go, and I will talk to you again on Wednesday. Not a problem, Rob. Have a great weekend. 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Good. I just tripped on my arm, like, app. Yes. Rob Flint, Robert.\n\nCool. Amazing. Hi, Rob. How are you going? That's good.\n\nSo as it's been explained, I'm one of the financial advisers with o two Financial. And I guess my whole role and what I do is I work individually and independently for each of my clients that I speak with. And I guess the reason for that is is purely and easily is that each of my clients are independent, and each of my clients have different goals. Now I know that you've worked really hard on giving a lot of information to my team already, and I really appreciate that. But what this conversation is is it's just a chance for me to get to know you a little bit better to understand and make sure that I'm I am heading in the right direction, make sure that I am prioritizing the goals that you're prioritizing.\n\nNow that being said, I understand that at the moment, you have a guess a bit of a personal goal that you're looking to try and, I guess, recover post a bit of a shoulder injury. Good. Perfect. And I guess shoulder injury wise, are you going okay? Good.\n\nFantastic. That's very good. And, I guess, outside of that, a lot of your goals do center around, I guess, like, your retirement and where you're going to head with respect to, you know, your work life, which is great. Now I just did wanna ask. You had a retirement age of 65.\n\nCan I ask why that's the age you selected? Always. Yeah. Of course. No.\n\nAlright. So the the reason I ask is a a lot of people focus on 65 or 67 as retirement age because that's the age that, like, their superannuation becomes accessible or the age pension becomes accessible. Whereas your super actually becomes accessible at age 60, it's just restricted a little bit. So that's that's that's where people, I guess, get a little bit confused. Outside yeah.\n\nYeah. And look. Realistically for yourself, you're you're still, unfortunately, to say, it's still a few years away from being able to to access it. So we're sort of you just turned 54. So, yeah, you're six you're six years away from 60, which means you're six years away from being able to have some fun with tax.\n\nBecause once we turn 60, we can do some fun tax stuff. But in the meantime, we can definitely get it working for you in a way that's beneficial to help out most certainly. Now you've quoted $700 a week in income. Can I ask why that figure? Because currently, your income would be about the 1,100 ish mark.\n\nYeah. Yeah. No. That's absolutely okay. That's perfect.\n\nSo you've you've got a justification to why it is. And I guess the great thing is is, like, you have investment property already. So you've got a bit of residual income coming in there for the two of you outside of what you already have. Yeah. Good.\n\nPerfect. Now we have a goal to try and get the debt all paid off within the next five years. The investment property, are we well and truly on track to do that, or do we want some, I guess, auditing? Yep. She's got you well on track to get it paid off sooner rather than later.\n\nOkay. That's absolutely okay. Well, that's I mean, that's good. So, like, there's two properties that you you own. We're living in the we're living in the home that's fully paid off, but then the investment property like okay.\n\nNo. That's okay. That's okay. Alright. So, yeah.\n\nSo it was it they your the investment property was your primary residence, and now it it's turned to investment. Yeah. Alright. Perfect. No.\n\nThat's okay. Cool. Cool. No. That's good.\n\nSo we've because we came into the relationship with the house each, we we now have an investment. I love it. That's fantastic. See? Sometimes sometimes splitting can make things easy.\n\nSometimes the first go doesn't work. Try again. No. That's fantastic. And then I know that we're wanting to we're wanting to travel camps.\n\nWe're wanting to to go and do just just do life, which is good. That's perfect. Now I did wanna ask because you did raise it. You did say inheritance. May I ask where that comes from?\n\nYou don't have to know anything. Yep. Yes. Yep. Like, we could.\n\nSo the the options around the investment property are pretty wide. Like, yeah, the property's generating an an income of, like, $20. So, yes, it's not massive. And with that income, like, there's all all the headaches that can come from having a property. Right?\n\nYou know? Because you've you've got like, it pays $650 a week, but, you know, you've got your your rental agents. You have them calling you. You have, you know, the rates and the water connection fee. And if the tent like, in the insurance and if the tenant break anything or damage anything, it's it's all of the the tasks that come along with having a property.\n\nNow if you don't want that headache, then 100%, we can look at selling it. The painful part is is that because it's an investment property, there could be capital gains tax on it. You've lived in the property previously, which is good, but the capital gains tax is gonna hit. Now there's a few things that we can do with it to make sure that we pay as little capital gains as possible. I would not recommend selling it right this second while you're working.\n\nThe way capital gains works is the gain is added to your taxable income, and you are taxed on that highable taxable income. So because you're earning, you know, you're earning money, it means that that could push you into a new bracket. Because you own this property 100% by yourself, it's your income to earn, and it's not gonna be spread across your partners, which means that we can't decrease the the, the income or the taxes from that. What we can do is wait until you're pretty much at retirement age or wait until, you know, we're nearly ready to retire and have a bit of a conversation just before you retire about whether it's more beneficial to sell the property before you hang up the hat and use a few tax saving offset methodologies to reduce the tax or whether we wait until you finish working like, wait until you retire, then sell the property and just cut the capital gains at that's a lower rate because you it'll you know, the capital gain will be just considered whatever, you know, will be your income. So it'll be a bit of a, you know, wait and see type of game that we talk about sort of, you know, six to twelve months before you're ready to retire so we can kinda play around with the numbers figures and figure out what we are and aren't doing at that time.\n\nThere's definitely nothing wrong with selling that property if you don't wanna deal with the, you know, the having that extra property. All the alternative is that you could sell the home you guys live in if you are if you're amenable or you're you're willing to do that. Sell the property you guys are in, pay no capital gains on that, and then move into the investment property. There's always that as well. It just depends on whether you, you know, have a preference for which property you wanna live in or if there's anything around side.\n\nYeah. Twelve months. Have to be considered your primary place of residence? Yep. And then we so close.\n\nGood. Okay. So it's it's in the family, and he's probably looking after it pretty well anyway. Could you get more could you get more for the property if you put it on open market? Like, if you if you weren't renting to your kid.\n\nYeah. Yes. You could buy another property. We could like, if they they're planning on buying that property, we could just let that property go. Let, like, let them buy it, and then we could invest the money in different ways.\n\nWe can pop it into your superannuation fund. We could set up what's called, like, an investment account so the money stays accessible to you. Yeah. There there are a few different options. It just depends on whether you want some people get to retirement, and they've had investment properties their whole life.\n\nThey retire, and they just sell all the investment properties up because they don't wanna deal with the headache of having to deal with the real estate, the renters, the contacts, the everything. They wanna go off grid, and they don't wanna deal with the crap that comes from having an investment property. Whereas other people are more than happy to have the investment property. You know? They check-in on it once every three months.\n\nThings run smoothly, and it's not, you know, an issue for them. It's it's really personal preference when it comes to, like, I guess, the asset that you hold. Some people prefer stock and shares because, well, the stocks and shares don't really talk back versus an investment property you have to deal with your renters and your real estate and the dishwasher broke and the fence is falling apart and whatever else comes from it. So yeah. So it it could be something we definitely talk about down the line.\n\nIt doesn't have to be, like, a today conversation on where we go, but we can definitely, I guess, keep keep up with it as we we move through. Oh, cool. Oakview, o a k v I e w. Yeah. Like like a oak tree, the oak view.\n\nYeah. And now I did want to just, I guess, touch on you have your ART or your Australian Retirement Trust Fund that currently has insurance inside of it. You have life and TPD or life and, I guess, total and permanent disability insurance. Are those amounts enough for you? Are those amounts are you comfortable with them?\n\nYes. Yeah. No. It it's it's $48. So what would happen is if she passed away tomorrow, touch wood, $48,000 would be paid from the insurer into ART fund, which would basically turn your, you know, balance of you know, you've got $8,086,000 and nearly 87,000.\n\nThat would turn that basically into nearly a 135. Right? So that 100 and 35,000 is then paid out to your beneficiary. Your beneficiary is then able to pay out the debts or have a sufficient balance to be able to support, you know, themselves. It just depends on what you're wanting to achieve with that benefit.\n\nLike, if your beneficiary, for example, was your partner, that money is sufficient to pay out the investment property. You know, your partner then has two investment properties oh, sorry. An investment property plus the home, the motor home, the race cars, the vans, the, you know, whatever else left to her or however your will because I understand you do have a will in place. However, your will kind of spaces that up. So whether the investment property goes give your son or whatever, you know, those assets are all able to be divvied up the way they need to.\n\nRealistically, you know, can I ask, like, do you know how your will is set up? Do you remember? No. Did you pretend? Okay.\n\nCool. Good. Alright. So your kids are gonna end up with a house, which is great. And then there's this car, the motor home, the race car, the vans, the everything else.\n\nYeah. I so things are nicely spread and split, which is good. It's just a matter of, I guess, just figuring out what what you wanna do with, like, the the super benefit. What is it achieving? You know?\n\nIf your kids are gonna get a pretty much a fully paid off house, then worst case scenario, they sell it, and they walk away with a decent 350,000 each, or whether, you know, you want the extra benefit to go to them. Because currently, you know, you're paying you're paying for the insurance. The same as any insurance policy that we have, we pay for it. If you feel as though it's not really giving you a benefit, then, you know, we can definitely get rid of it. It's just a matter of understanding the risks that if you don't have that insurance in place, there's no extra benefit for the family.\n\nAnd in the event you're never able to work again, it's $48,000 that you don't receive. It's not a lot. Yeah. It the insurers within Superfunds, once you hit a certain age, it's basically a bell curve. So when we're, you know, 16 and starting out, we don't need insurance.\n\nWhen we hit 25, that's the magical age that they determine that we need insurance. Now me at 25, I had a five year old, so I definitely needed insurance for 25. But, again, insurers magically decide that that's the age that we need children. Sorry. We need insurance.\n\nNow from there, it basically bell curves all the way up until we hit about 42 because that is, again, the age that insurers have determined that we've got our life together and that we're starting to pay our debts down and that everything is, you know, going well. From that point, it starts going the benefit starts dropping. And the older we get, the less insurance we have. And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim on. And That is the standardized rule that they put in place, but not everyone's life runs that way.\n\nI have people that are in their well and truly into their fifties that still have hundreds of thousands of dollars worth of debt. I have people that are in their forties that have no debt at all. And like I said, I have quite a number of clients that are in their early twenties that have children that do need insurance because if anything does happen to those kids or it happens to them, they need to make sure that the kids are kids are covered and protected. So it's a rule of thumb guide that the insurers use within the super funds because it's group insurance. It's just grouped as a as a policy.\n\nThis is what we've set up, and this is what you And it's not it's not meant to fit everyone. And, unfortunately, if you don't look into it, if you don't look at the product disclosure statement, you don't know about it. If you don't pay attention, you don't know about it. And a lot of people don't. They just go, well, my super fund's always gonna be there.\n\nIt's fine. I'll just, you know, let it ride. So I will have a look at it, and I will start running some figures and numbers and see where it lands us. If the insurance is realistically not gonna make a dent in your overall financial position, I will recommend we cancel it. If I can find a policy that's gonna work for you that's gonna be nice and cheap and give you what you could possibly need, then I'll recommend that.\n\nI don't see a great need for insurance, so I'm gonna be completely frank. Are you able to find out what she does put into the fund? No. I would okay. Well, what I can do is I'll run the figures and have a have a look.\n\nWhat I can base it on is basing it on, like, the standardized 12%. So if you were to put 12% of your income into the super fund, which is the standardized regulatory rate, I'll base it on that. And then I'll also show in the documentation, yes, if you were to put nothing in. So that way, we've got a basis for nothing versus the legal rate, and I'll make a recommendation on what you would need to make sure you're putting in to make sure you're hitting your your desired goal. So making sure that we're actually retiring by the age of 65 and we have a good income of, you know, $700 a week.\n\nK. And I will exclude for now, I will exclude, obviously, the investment property, and I will exclude any inheritance and anything like that. Obviously, if we decide to sell the investment well, you know, we sell the investment property and we have a lump sum amount that we wanna play with and do something with, that'll come into play. And if or when the inheritance does eventually trickle through, we can obviously consider that, and that may mean, you know, we're able to back off on you know, putting as much into the super fund or, you know, we can take maybe a little bit more of a conservative position overall to the investment structure. Oh, don't get me wrong.\n\nYou're not exactly a conservative investor, and you still got time to be able to invest, but I will look at making sure that we are protecting the assets you've built. So yeah. So I'll I'll crack into things and start researching everything. And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well. Okay.\n\nThat that should be across the year, I would assume, unless you're looking at the cash statement. What was it? 5,790, did you say? Alright. Perfect.\n\nThat's okay. And I'm assuming that's the last year? Okay. 07/01/2025. Alright.\n\nSo that's what we've contributed so far. $5.07 5 $9.52. Perfect. I will I can I can work on that? That's fine.\n\nSo that's pro rata for this year. That's easy. Fantastic. Cool. I can I can I can do the math on that and figure out how much he's paying?\n\nThat's easy. Perfect. Alright. Well, I will let you go, and I will talk to you again on Wednesday. Not a problem, Rob.\n\nHave a great weekend. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.8399997,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.029068127274513245},{"text":"Good.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.19562110304832456},{"text":"I just tripped on my arm, like, app.","start":9.28,"end":12.9,"sentiment":"negative","sentiment_score":-0.47927984967827797},{"text":"Yes.","start":19.414999,"end":19.814999,"sentiment":"neutral","sentiment_score":0.0024621831253170967},{"text":"Rob Flint, Robert.","start":19.814999,"end":21.275,"sentiment":"neutral","sentiment_score":-0.0018260697834193707}],"sentiment":"neutral","sentiment_score":-0.2580403995234519,"num_words":14,"start":5.8399997,"end":21.275},{"sentences":[{"text":"Cool.","start":55.78,"end":56.28,"sentiment":"positive","sentiment_score":0.45026618242263794},{"text":"Amazing.","start":60.5,"end":61.0,"sentiment":"positive","sentiment_score":0.6119338274002075},{"text":"Hi, Rob.","start":87.935,"end":88.575,"sentiment":"neutral","sentiment_score":0.1282665804028511},{"text":"How are you going?","start":88.575,"end":89.475,"sentiment":"neutral","sentiment_score":0.15362807363271713},{"text":"That's good.","start":91.615,"end":92.675,"sentiment":"positive","sentiment_score":0.406957283616066}],"sentiment":"neutral","sentiment_score":0.2747160032391548,"num_words":10,"start":55.78,"end":92.675},{"sentences":[{"text":"So as it's been explained, I'm one of the financial advisers with o two Financial.","start":93.295,"end":98.915,"sentiment":"neutral","sentiment_score":0.12772318770488103},{"text":"And I guess my whole role and what I do is I work individually and independently for each of my clients that I speak with.","start":99.68,"end":106.82,"sentiment":"neutral","sentiment_score":0.14542097836732865},{"text":"And I guess the reason for that is is purely and easily is that each of my clients are independent, and each of my clients have different goals.","start":107.44,"end":116.275,"sentiment":"neutral","sentiment_score":0.16895450917737825},{"text":"Now I know that you've worked really hard on giving a lot of information to my team already, and I really appreciate that.","start":116.735,"end":124.195,"sentiment":"positive","sentiment_score":0.38072347608597384},{"text":"But what this conversation is is it's just a chance for me to get to know you a little bit better to understand and make sure that I'm I am heading in the right direction, make sure that I am prioritizing the goals that you're prioritizing.","start":124.655,"end":137.21,"sentiment":"neutral","sentiment_score":0.10397414304316044}],"sentiment":"neutral","sentiment_score":0.1738799201582905,"num_words":137,"start":93.295,"end":137.21},{"sentences":[{"text":"Now that being said, I understand that at the moment, you have a guess a bit of a personal goal that you're looking to try and, I guess, recover post a bit of a shoulder injury.","start":139.44499,"end":154.58499,"sentiment":"neutral","sentiment_score":0.013781910813930962},{"text":"Good.","start":169.915,"end":170.415,"sentiment":"positive","sentiment_score":0.6099506616592407},{"text":"Perfect.","start":170.875,"end":171.375,"sentiment":"positive","sentiment_score":0.5434693098068237},{"text":"And I guess shoulder injury wise, are you going okay?","start":173.275,"end":176.975,"sentiment":"neutral","sentiment_score":0.06621632836759091},{"text":"Good.","start":191.305,"end":191.805,"sentiment":"neutral","sentiment_score":0.2193213701248169}],"sentiment":"neutral","sentiment_score":0.05165415131772051,"num_words":49,"start":139.44499,"end":191.805},{"sentences":[{"text":"Fantastic.","start":194.58499,"end":195.08499,"sentiment":"positive","sentiment_score":0.6919398307800293},{"text":"That's very good.","start":195.305,"end":196.365,"sentiment":"positive","sentiment_score":0.5630742907524109},{"text":"And, I guess, outside of that, a lot of your goals do center around, I guess, like, your retirement and where you're going to head with respect to, you know, your work life, which is great.","start":198.345,"end":212.54,"sentiment":"neutral","sentiment_score":0.27070051804184914},{"text":"Now I just did wanna ask.","start":214.28,"end":215.8,"sentiment":"neutral","sentiment_score":0.01719052887832125},{"text":"You had a retirement age of 65.","start":215.8,"end":217.72,"sentiment":"neutral","sentiment_score":0.006290169964943614}],"sentiment":"neutral","sentiment_score":0.23157652293525213,"num_words":53,"start":194.58499,"end":217.72},{"sentences":[{"text":"Can I ask why that's the age you selected?","start":217.72,"end":220.715,"sentiment":"neutral","sentiment_score":-0.0027423459105193615},{"text":"Always.","start":228.85501,"end":229.35501,"sentiment":"neutral","sentiment_score":0.01008710078895092},{"text":"Yeah.","start":249.045,"end":249.445,"sentiment":"neutral","sentiment_score":0.04322674497961998},{"text":"Of course.","start":249.445,"end":250.185,"sentiment":"neutral","sentiment_score":0.026883574202656746},{"text":"No.","start":250.325,"end":250.725,"sentiment":"neutral","sentiment_score":-0.009715352207422256}],"sentiment":"neutral","sentiment_score":0.005191752055127706,"num_words":14,"start":217.72,"end":250.725},{"sentences":[{"text":"Alright.","start":250.725,"end":251.225,"sentiment":"neutral","sentiment_score":0.07850142568349838},{"text":"So the the reason I ask is a a lot of people focus on 65 or 67 as retirement age because that's the age that, like, their superannuation becomes accessible or the age pension becomes accessible.","start":252.005,"end":267.09,"sentiment":"neutral","sentiment_score":-0.0020744136741591822},{"text":"Whereas your super actually becomes accessible at age 60, it's just restricted a little bit.","start":269.065,"end":274.925,"sentiment":"neutral","sentiment_score":-0.2121869330604871},{"text":"So that's that's that's where people, I guess, get a little bit confused.","start":276.985,"end":281.805,"sentiment":"neutral","sentiment_score":-0.2766791100685413},{"text":"Outside yeah.","start":282.425,"end":296.34,"sentiment":"neutral","sentiment_score":-0.04785755835473537}],"sentiment":"neutral","sentiment_score":-0.10256007477752309,"num_words":67,"start":250.725,"end":296.34},{"sentences":[{"text":"Yeah.","start":296.4,"end":296.72,"sentiment":"neutral","sentiment_score":-0.004158994182944298},{"text":"And look.","start":296.72,"end":297.68,"sentiment":"neutral","sentiment_score":-0.017106096260249615},{"text":"Realistically for yourself, you're you're still, unfortunately, to say, it's still a few years away from being able to to access it.","start":297.68,"end":306.695,"sentiment":"neutral","sentiment_score":-0.13233518295667387},{"text":"So we're sort of you just turned 54.","start":306.695,"end":311.33502,"sentiment":"neutral","sentiment_score":-0.08025696035474539},{"text":"So, yeah, you're six you're six years away from 60, which means you're six years away from being able to have some fun with tax.","start":311.33502,"end":318.27,"sentiment":"neutral","sentiment_score":-0.10490308836102485}],"sentiment":"neutral","sentiment_score":-0.10714445006230781,"num_words":58,"start":296.4,"end":318.27},{"sentences":[{"text":"Because once we turn 60, we can do some fun tax stuff.","start":318.65,"end":321.38998,"sentiment":"neutral","sentiment_score":0.19743768063684305},{"text":"But in the meantime, we can definitely get it working for you in a way that's beneficial to help out most certainly.","start":323.12997,"end":330.01498,"sentiment":"positive","sentiment_score":0.4831999269398776},{"text":"Now you've quoted $700 a week in income.","start":330.63498,"end":333.835,"sentiment":"neutral","sentiment_score":0.042637852020561695},{"text":"Can I ask why that figure?","start":333.835,"end":335.195,"sentiment":"neutral","sentiment_score":-0.011695714046557745},{"text":"Because currently, your income would be about the 1,100 ish mark.","start":335.195,"end":340.175,"sentiment":"neutral","sentiment_score":0.01119941540739753}],"sentiment":"neutral","sentiment_score":0.2270130959607787,"num_words":59,"start":318.65,"end":340.175},{"sentences":[{"text":"Yeah.","start":364.405,"end":364.905,"sentiment":"neutral","sentiment_score":0.051041118800640106},{"text":"Yeah.","start":383.655,"end":384.155,"sentiment":"neutral","sentiment_score":0.07631225138902664},{"text":"No.","start":384.615,"end":385.095,"sentiment":"neutral","sentiment_score":0.09187652170658112},{"text":"That's absolutely okay.","start":385.095,"end":386.85498,"sentiment":"positive","sentiment_score":0.36205415924390155},{"text":"That's perfect.","start":386.85498,"end":387.655,"sentiment":"positive","sentiment_score":0.7634436190128326}],"sentiment":"positive","sentiment_score":0.35403495095670223,"num_words":8,"start":364.405,"end":387.655},{"sentences":[{"text":"So you've you've got a justification to why it is.","start":387.655,"end":389.815,"sentiment":"neutral","sentiment_score":0.2924796789884567},{"text":"And I guess the great thing is is, like, you have investment property already.","start":389.815,"end":393.03,"sentiment":"positive","sentiment_score":0.3865809962153435},{"text":"So you've got a bit of residual income coming in there for the two of you outside of what you already have.","start":393.75,"end":399.13,"sentiment":"neutral","sentiment_score":0.19999583133242346},{"text":"Yeah.","start":400.79,"end":401.27,"sentiment":"positive","sentiment_score":0.385596364736557},{"text":"Good.","start":401.27,"end":401.59,"sentiment":"positive","sentiment_score":0.5929334759712219}],"sentiment":"neutral","sentiment_score":0.2857368513941765,"num_words":48,"start":387.655,"end":401.59},{"sentences":[{"text":"Perfect.","start":401.59,"end":402.09,"sentiment":"positive","sentiment_score":0.6297512650489807},{"text":"Now we have a goal to try and get the debt all paid off within the next five years.","start":402.47,"end":408.25,"sentiment":"neutral","sentiment_score":0.3266051905719857},{"text":"The investment property, are we well and truly on track to do that, or do we want some, I guess, auditing?","start":409.135,"end":413.875,"sentiment":"neutral","sentiment_score":0.196478411732685},{"text":"Yep.","start":414.175,"end":414.675,"sentiment":"neutral","sentiment_score":0.09213435649871826},{"text":"She's got you well on track to get it paid off sooner rather than later.","start":424.67,"end":427.73,"sentiment":"neutral","sentiment_score":0.11539675841728846}],"sentiment":"neutral","sentiment_score":0.22428740815896736,"num_words":57,"start":401.59,"end":427.73},{"sentences":[{"text":"Okay.","start":444.97,"end":445.29,"sentiment":"neutral","sentiment_score":0.10934817790985107},{"text":"That's absolutely okay.","start":445.29,"end":446.66998,"sentiment":"neutral","sentiment_score":0.18044445912043253},{"text":"Well, that's I mean, that's good.","start":447.85,"end":449.29,"sentiment":"neutral","sentiment_score":0.20863824089368185},{"text":"So, like, there's two properties that you you own.","start":449.29,"end":452.19,"sentiment":"neutral","sentiment_score":0.10674580600526598},{"text":"We're living in the we're living in the home that's fully paid off, but then the investment property like okay.","start":453.61,"end":469.255,"sentiment":"neutral","sentiment_score":0.024097896367311477}],"sentiment":"neutral","sentiment_score":0.08577387646222726,"num_words":39,"start":444.97,"end":469.255},{"sentences":[{"text":"No.","start":469.255,"end":469.49503,"sentiment":"neutral","sentiment_score":-0.051650453358888626},{"text":"That's okay.","start":469.49503,"end":469.89502,"sentiment":"neutral","sentiment_score":-0.028041115030646324},{"text":"That's okay.","start":469.89502,"end":470.45502,"sentiment":"neutral","sentiment_score":0.007007497362792492},{"text":"Alright.","start":470.45502,"end":470.93503,"sentiment":"neutral","sentiment_score":0.0070684198290109634},{"text":"So, yeah.","start":470.93503,"end":472.34,"sentiment":"neutral","sentiment_score":0.002895384095609188}],"sentiment":"neutral","sentiment_score":-0.010107312584295869,"num_words":8,"start":469.255,"end":472.34},{"sentences":[{"text":"So it was it they your the investment property was your primary residence, and now it it's turned to investment.","start":472.34,"end":478.28,"sentiment":"neutral","sentiment_score":-0.01099116038531065},{"text":"Yeah.","start":480.41998,"end":480.65997,"sentiment":"neutral","sentiment_score":0.13770152628421783},{"text":"Alright.","start":480.65997,"end":481.06,"sentiment":"neutral","sentiment_score":0.2621573805809021},{"text":"Perfect.","start":481.06,"end":481.53998,"sentiment":"positive","sentiment_score":0.4668409824371338},{"text":"No.","start":481.53998,"end":481.69998,"sentiment":"neutral","sentiment_score":0.08716875314712524}],"sentiment":"neutral","sentiment_score":0.030585226447631914,"num_words":24,"start":472.34,"end":481.69998},{"sentences":[{"text":"That's okay.","start":481.69998,"end":482.25998,"sentiment":"neutral","sentiment_score":0.17878729104995728},{"text":"Cool.","start":482.25998,"end":482.5,"sentiment":"positive","sentiment_score":0.4067687690258026},{"text":"Cool.","start":482.5,"end":483.0,"sentiment":"positive","sentiment_score":0.36737972497940063},{"text":"No.","start":483.62,"end":483.78,"sentiment":"neutral","sentiment_score":0.1488288938999176},{"text":"That's good.","start":483.78,"end":484.59998,"sentiment":"positive","sentiment_score":0.3647656738758087}],"sentiment":"neutral","sentiment_score":0.2871547596795218,"num_words":7,"start":481.69998,"end":484.59998},{"sentences":[{"text":"So we've because we came into the relationship with the house each, we we now have an investment.","start":485.89502,"end":491.495,"sentiment":"neutral","sentiment_score":0.2596377001868354},{"text":"I love it.","start":491.495,"end":491.975,"sentiment":"positive","sentiment_score":0.7541210254033407},{"text":"That's fantastic.","start":491.975,"end":493.035,"sentiment":"positive","sentiment_score":0.6151684820652008},{"text":"See?","start":493.89502,"end":494.135,"sentiment":"neutral","sentiment_score":0.08438733220100403},{"text":"Sometimes sometimes splitting can make things easy.","start":494.135,"end":497.83502,"sentiment":"neutral","sentiment_score":0.06093893971826349}],"sentiment":"neutral","sentiment_score":0.279907695288139,"num_words":31,"start":485.89502,"end":497.83502},{"sentences":[{"text":"Sometimes the first go doesn't work.","start":504.06,"end":505.34,"sentiment":"neutral","sentiment_score":-0.03974726268400749},{"text":"Try again.","start":505.34,"end":506.08,"sentiment":"neutral","sentiment_score":-0.008709757588803768},{"text":"No.","start":508.3,"end":508.62,"sentiment":"neutral","sentiment_score":0.11467258632183076},{"text":"That's fantastic.","start":508.62,"end":509.52,"sentiment":"positive","sentiment_score":0.5072345733642578},{"text":"And then I know that we're wanting to we're wanting to travel camps.","start":509.9,"end":516.615,"sentiment":"neutral","sentiment_score":0.16242483315559533}],"sentiment":"neutral","sentiment_score":0.12436506136630972,"num_words":24,"start":504.06,"end":516.615},{"sentences":[{"text":"We're wanting to to go and do just just do life, which is good.","start":517.315,"end":525.815,"sentiment":"neutral","sentiment_score":0.21756624377199582},{"text":"That's perfect.","start":526.355,"end":527.495,"sentiment":"positive","sentiment_score":0.6446507573127747},{"text":"Now I did wanna ask because you did raise it.","start":527.555,"end":530.92,"sentiment":"neutral","sentiment_score":0.049542386271059516},{"text":"You did say inheritance.","start":531.45996,"end":532.6,"sentiment":"neutral","sentiment_score":0.0051705732475966215},{"text":"May I ask where that comes from?","start":533.22,"end":536.25995,"sentiment":"neutral","sentiment_score":-0.004023521739457334}],"sentiment":"neutral","sentiment_score":0.1303559575934668,"num_words":37,"start":517.315,"end":536.25995},{"sentences":[{"text":"You don't have to know anything.","start":536.25995,"end":537.63995,"sentiment":"neutral","sentiment_score":-0.029915244939426582},{"text":"Yep.","start":548.115,"end":548.615,"sentiment":"neutral","sentiment_score":-0.00031859491718932986},{"text":"Yes.","start":561.25,"end":561.75,"sentiment":"neutral","sentiment_score":0.09999272227287292},{"text":"Yep.","start":610.3,"end":610.8,"sentiment":"neutral","sentiment_score":0.1219027042388916},{"text":"Like, we could.","start":628.97,"end":630.43,"sentiment":"positive","sentiment_score":0.36574211716651917}],"sentiment":"neutral","sentiment_score":0.0949426427881311,"num_words":12,"start":536.25995,"end":630.43},{"sentences":[{"text":"So the the options around the investment property are pretty wide.","start":630.73,"end":633.87,"sentiment":"neutral","sentiment_score":0.20387652245434848},{"text":"Like, yeah, the property's generating an an income of, like, $20.","start":635.20996,"end":639.38995,"sentiment":"neutral","sentiment_score":0.16986993293870578},{"text":"So, yes, it's not massive.","start":639.93,"end":642.72504,"sentiment":"neutral","sentiment_score":0.09567750841379166},{"text":"And with that income, like, there's all all the headaches that can come from having a property.","start":645.265,"end":650.22504,"sentiment":"neutral","sentiment_score":-0.20976420798722437},{"text":"Right?","start":650.22504,"end":650.72504,"sentiment":"neutral","sentiment_score":-0.0010127108544111252}],"sentiment":"neutral","sentiment_score":0.02272431788345178,"num_words":45,"start":630.73,"end":650.72504},{"sentences":[{"text":"You know?","start":652.22504,"end":652.54504,"sentiment":"neutral","sentiment_score":-0.009792698547244072},{"text":"Because you've you've got like, it pays $650 a week, but, you know, you've got your your rental agents.","start":652.54504,"end":659.05,"sentiment":"neutral","sentiment_score":-0.001795902590904581},{"text":"You have them calling you.","start":659.05,"end":660.25,"sentiment":"neutral","sentiment_score":0.017029640078544617},{"text":"You have, you know, the rates and the water connection fee.","start":660.25,"end":664.57,"sentiment":"neutral","sentiment_score":-0.005788176574490287},{"text":"And if the tent like, in the insurance and if the tenant break anything or damage anything, it's it's all of the the tasks that come along with having a property.","start":664.57,"end":671.72504,"sentiment":"neutral","sentiment_score":-0.13873965317203152}],"sentiment":"neutral","sentiment_score":-0.06372291965560768,"num_words":68,"start":652.22504,"end":671.72504},{"sentences":[{"text":"Now if you don't want that headache, then 100%, we can look at selling it.","start":672.42505,"end":676.34503,"sentiment":"neutral","sentiment_score":-0.11963206231594085},{"text":"The painful part is is that because it's an investment property, there could be capital gains tax on it.","start":676.34503,"end":680.745,"sentiment":"negative","sentiment_score":-0.5384177377349452},{"text":"You've lived in the property previously, which is good, but the capital gains tax is gonna hit.","start":680.745,"end":687.19,"sentiment":"neutral","sentiment_score":-0.2388033172225251},{"text":"Now there's a few things that we can do with it to make sure that we pay as little capital gains as possible.","start":687.49,"end":695.43,"sentiment":"neutral","sentiment_score":-0.21136750961127487},{"text":"I would not recommend selling it right this second while you're working.","start":696.05,"end":700.23,"sentiment":"negative","sentiment_score":-0.5499391965568066}],"sentiment":"neutral","sentiment_score":-0.3202883421421744,"num_words":86,"start":672.42505,"end":700.23},{"sentences":[{"text":"The way capital gains works is the gain is added to your taxable income, and you are taxed on that highable taxable income.","start":701.805,"end":712.70496,"sentiment":"neutral","sentiment_score":-0.22339096276656442},{"text":"So because you're earning, you know, you're earning money, it means that that could push you into a new bracket.","start":712.845,"end":718.59,"sentiment":"neutral","sentiment_score":0.2897893138229847},{"text":"Because you own this property 100% by yourself, it's your income to earn, and it's not gonna be spread across your partners, which means that we can't decrease the the, the income or the taxes from that.","start":718.97003,"end":735.745,"sentiment":"positive","sentiment_score":0.39568181013738785},{"text":"What we can do is wait until you're pretty much at retirement age or wait until, you know, we're nearly ready to retire and have a bit of a conversation just before you retire about whether it's more beneficial to sell the property before you hang up the hat and use a few tax saving offset methodologies to reduce the tax or whether we wait until you finish working like, wait until you retire, then sell the property and just cut the capital gains at that's a lower rate because you it'll you know, the capital gain will be just considered whatever, you know, will be your income.","start":736.285,"end":776.02997,"sentiment":"neutral","sentiment_score":0.09990759251242573},{"text":"So it'll be a bit of a, you know, wait and see type of game that we talk about sort of, you know, six to twelve months before you're ready to retire so we can kinda play around with the numbers figures and figure out what we are and aren't doing at that time.","start":777.85,"end":791.96497,"sentiment":"neutral","sentiment_score":-0.07050520186829898}],"sentiment":"neutral","sentiment_score":0.09206925701804089,"num_words":242,"start":701.805,"end":791.96497},{"sentences":[{"text":"There's definitely nothing wrong with selling that property if you don't wanna deal with the, you know, the having that extra property.","start":793.88,"end":800.46,"sentiment":"neutral","sentiment_score":-0.15292702276598324},{"text":"All the alternative is that you could sell the home you guys live in if you are if you're amenable or you're you're willing to do that.","start":802.76,"end":809.885,"sentiment":"neutral","sentiment_score":0.022625812777766475},{"text":"Sell the property you guys are in, pay no capital gains on that, and then move into the investment property.","start":810.825,"end":815.645,"sentiment":"neutral","sentiment_score":0.014978600293397903},{"text":"There's always that as well.","start":818.345,"end":819.385,"sentiment":"neutral","sentiment_score":0.12589416801929473},{"text":"It just depends on whether you, you know, have a preference for which property you wanna live in or if there's anything around side.","start":819.385,"end":824.8,"sentiment":"neutral","sentiment_score":0.07557270303368568}],"sentiment":"neutral","sentiment_score":-0.00010928405182702201,"num_words":98,"start":793.88,"end":824.8},{"sentences":[{"text":"Yeah.","start":829.81995,"end":830.31995,"sentiment":"neutral","sentiment_score":-0.018361492082476616},{"text":"Twelve months.","start":833.595,"end":834.575,"sentiment":"neutral","sentiment_score":-0.03679179958999157},{"text":"Have to be considered your primary place of residence?","start":837.115,"end":839.21497,"sentiment":"neutral","sentiment_score":0.020960229345493846},{"text":"Yep.","start":842.795,"end":843.295,"sentiment":"neutral","sentiment_score":0.11893545091152193},{"text":"And then we so close.","start":843.755,"end":848.75,"sentiment":"neutral","sentiment_score":0.14641638100147247}],"sentiment":"neutral","sentiment_score":0.052650796042548284,"num_words":18,"start":829.81995,"end":848.75},{"sentences":[{"text":"Good.","start":855.21,"end":855.71,"sentiment":"positive","sentiment_score":0.6342098712921143},{"text":"Okay.","start":855.93,"end":856.25,"sentiment":"positive","sentiment_score":0.3775048851966858},{"text":"So it's it's in the family, and he's probably looking after it pretty well anyway.","start":856.25,"end":859.71,"sentiment":"neutral","sentiment_score":0.3168534894784292},{"text":"Could you get more could you get more for the property if you put it on open market?","start":862.71497,"end":867.27496,"sentiment":"neutral","sentiment_score":0.09162631258368492},{"text":"Like, if you if you weren't renting to your kid.","start":867.27496,"end":870.33496,"sentiment":"neutral","sentiment_score":0.0200631245970726}],"sentiment":"neutral","sentiment_score":0.16920937713649536,"num_words":45,"start":855.21,"end":870.33496},{"sentences":[{"text":"Yeah.","start":879.93,"end":880.43,"sentiment":"neutral","sentiment_score":-0.05984845757484436},{"text":"Yes.","start":901.64,"end":901.88,"sentiment":"neutral","sentiment_score":0.013565585017204285},{"text":"You could buy another property.","start":901.88,"end":903.26,"sentiment":"neutral","sentiment_score":-0.005486258119344711},{"text":"We could like, if they they're planning on buying that property, we could just let that property go.","start":904.12006,"end":910.445,"sentiment":"neutral","sentiment_score":0.03595229145139456},{"text":"Let, like, let them buy it, and then we could invest the money in different ways.","start":910.445,"end":915.40497,"sentiment":"neutral","sentiment_score":0.05771539709530771}],"sentiment":"neutral","sentiment_score":0.03650910820721126,"num_words":41,"start":879.93,"end":915.40497},{"sentences":[{"text":"We can pop it into your superannuation fund.","start":915.40497,"end":917.985,"sentiment":"neutral","sentiment_score":0.08813076885417104},{"text":"We could set up what's called, like, an investment account so the money stays accessible to you.","start":918.205,"end":923.84,"sentiment":"neutral","sentiment_score":0.07710550944594775},{"text":"Yeah.","start":929.34,"end":929.58,"sentiment":"neutral","sentiment_score":0.05383652076125145},{"text":"There there are a few different options.","start":929.58,"end":931.34,"sentiment":"neutral","sentiment_score":0.02329793093459947},{"text":"It just depends on whether you want some people get to retirement, and they've had investment properties their whole life.","start":931.34,"end":936.7,"sentiment":"neutral","sentiment_score":-0.014508068840950728}],"sentiment":"neutral","sentiment_score":0.036652839092432325,"num_words":53,"start":915.40497,"end":936.7},{"sentences":[{"text":"They retire, and they just sell all the investment properties up because they don't wanna deal with the headache of having to deal with the real estate, the renters, the contacts, the everything.","start":936.7,"end":945.535,"sentiment":"neutral","sentiment_score":-0.12531716839382143},{"text":"They wanna go off grid, and they don't wanna deal with the crap that comes from having an investment property.","start":945.535,"end":951.235,"sentiment":"neutral","sentiment_score":-0.17803630009293556},{"text":"Whereas other people are more than happy to have the investment property.","start":952.37,"end":955.81,"sentiment":"positive","sentiment_score":0.6115781664848328},{"text":"You know?","start":955.81,"end":956.47003,"sentiment":"neutral","sentiment_score":0.29312504827976227},{"text":"They check-in on it once every three months.","start":956.93,"end":959.19,"sentiment":"positive","sentiment_score":0.36510693468153477}],"sentiment":"neutral","sentiment_score":0.04199801350633303,"num_words":75,"start":936.7,"end":959.19},{"sentences":[{"text":"Things run smoothly, and it's not, you know, an issue for them.","start":959.41003,"end":962.79004,"sentiment":"positive","sentiment_score":0.4156911025444667},{"text":"It's it's really personal preference when it comes to, like, I guess, the asset that you hold.","start":964.445,"end":969.98505,"sentiment":"neutral","sentiment_score":0.123816658030538},{"text":"Some people prefer stock and shares because, well, the stocks and shares don't really talk back versus an investment property you have to deal with your renters and your real estate and the dishwasher broke and the fence is falling apart and whatever else comes from it.","start":970.125,"end":987.29,"sentiment":"neutral","sentiment_score":-0.1335028855011184},{"text":"So yeah.","start":990.705,"end":991.10504,"sentiment":"neutral","sentiment_score":0.0004559159278869629},{"text":"So it it could be something we definitely talk about down the line.","start":991.10504,"end":993.905,"sentiment":"neutral","sentiment_score":0.07725288375065877}],"sentiment":"neutral","sentiment_score":0.02004110021004965,"num_words":91,"start":959.41003,"end":993.905},{"sentences":[{"text":"It doesn't have to be, like, a today conversation on where we go, but we can definitely, I guess, keep keep up with it as we we move through.","start":993.905,"end":1001.28503,"sentiment":"neutral","sentiment_score":0.130791119974235},{"text":"Oh, cool.","start":1003.76,"end":1004.5,"sentiment":"neutral","sentiment_score":0.30776558816432953},{"text":"Oakview, o a k v I e w.","start":1007.76,"end":1010.18,"sentiment":"neutral","sentiment_score":0.03254765714518726},{"text":"Yeah.","start":1013.12,"end":1013.44,"sentiment":"neutral","sentiment_score":0.028416594490408897},{"text":"Like like a oak tree, the oak view.","start":1013.44,"end":1016.1,"sentiment":"neutral","sentiment_score":0.03694936167448759}],"sentiment":"neutral","sentiment_score":0.10401805001311004,"num_words":48,"start":993.905,"end":1016.1},{"sentences":[{"text":"Yeah.","start":1017.205,"end":1017.705,"sentiment":"neutral","sentiment_score":0.07093225419521332},{"text":"And now I did want to just, I guess, touch on you have your ART or your Australian Retirement Trust Fund that currently has insurance inside of it.","start":1019.525,"end":1032.0801,"sentiment":"neutral","sentiment_score":0.08590241574815341},{"text":"You have life and TPD or life and, I guess, total and permanent disability insurance.","start":1032.0801,"end":1037.4601,"sentiment":"neutral","sentiment_score":0.045286762341856954},{"text":"Are those amounts enough for you?","start":1038.4,"end":1042.175,"sentiment":"neutral","sentiment_score":0.07182798782984416},{"text":"Are those amounts are you comfortable with them?","start":1042.175,"end":1045.4751,"sentiment":"neutral","sentiment_score":0.07657667063176632}],"sentiment":"neutral","sentiment_score":0.07239797624663033,"num_words":58,"start":1017.205,"end":1045.4751},{"sentences":[{"text":"Yes.","start":1050.5751,"end":1051.0751,"sentiment":"neutral","sentiment_score":-0.021354205906391144},{"text":"Yeah.","start":1063.2301,"end":1063.7301,"sentiment":"neutral","sentiment_score":-0.0996013805270195},{"text":"No.","start":1064.43,"end":1064.93,"sentiment":"neutral","sentiment_score":-0.20762576162815097},{"text":"It it's it's $48.","start":1065.105,"end":1069.345,"sentiment":"neutral","sentiment_score":-0.10118927247822285},{"text":"So what would happen is if she passed away tomorrow, touch wood, $48,000 would be paid from the insurer into ART fund, which would basically turn your, you know, balance of you know, you've got $8,086,000 and nearly 87,000.","start":1069.345,"end":1086.43,"sentiment":"neutral","sentiment_score":0.05032965244773107}],"sentiment":"neutral","sentiment_score":0.026728652336675186,"num_words":46,"start":1050.5751,"end":1086.43},{"sentences":[{"text":"That would turn that basically into nearly a 135.","start":1086.5701,"end":1089.4501,"sentiment":"neutral","sentiment_score":0.15322118004163107},{"text":"Right?","start":1089.4501,"end":1089.9501,"sentiment":"neutral","sentiment_score":0.09333965182304382},{"text":"So that 100 and 35,000 is then paid out to your beneficiary.","start":1090.25,"end":1095.205,"sentiment":"neutral","sentiment_score":0.19633845364054045},{"text":"Your beneficiary is then able to pay out the debts or have a sufficient balance to be able to support, you know, themselves.","start":1096.225,"end":1106.725,"sentiment":"neutral","sentiment_score":0.27282716981742694},{"text":"It just depends on what you're wanting to achieve with that benefit.","start":1108.92,"end":1113.3401,"sentiment":"neutral","sentiment_score":0.21423214798172316}],"sentiment":"neutral","sentiment_score":0.22235442802571415,"num_words":57,"start":1086.5701,"end":1113.3401},{"sentences":[{"text":"Like, if your beneficiary, for example, was your partner, that money is sufficient to pay out the investment property.","start":1113.7201,"end":1119.5801,"sentiment":"neutral","sentiment_score":0.10222544795588444},{"text":"You know, your partner then has two investment properties oh, sorry.","start":1120.4401,"end":1124.665,"sentiment":"neutral","sentiment_score":0.05187977952035991},{"text":"An investment property plus the home, the motor home, the race cars, the vans, the, you know, whatever else left to her or however your will because I understand you do have a will in place.","start":1124.665,"end":1135.065,"sentiment":"neutral","sentiment_score":0.016985787285698786},{"text":"However, your will kind of spaces that up.","start":1135.065,"end":1136.94,"sentiment":"neutral","sentiment_score":-0.014552337350323796},{"text":"So whether the investment property goes give your son or whatever, you know, those assets are all able to be divvied up the way they need to.","start":1137.1,"end":1147.44,"sentiment":"neutral","sentiment_score":0.08472877299344098}],"sentiment":"neutral","sentiment_score":0.052432748516744905,"num_words":101,"start":1113.7201,"end":1147.44},{"sentences":[{"text":"Realistically, you know, can I ask, like, do you know how your will is set up?","start":1149.355,"end":1153.0549,"sentiment":"neutral","sentiment_score":-0.04444145399611443},{"text":"Do you remember?","start":1155.755,"end":1156.495,"sentiment":"neutral","sentiment_score":-0.041579785446325936},{"text":"No.","start":1160.075,"end":1160.315,"sentiment":"neutral","sentiment_score":-0.14113010466098783},{"text":"Did you pretend?","start":1160.315,"end":1161.2949,"sentiment":"neutral","sentiment_score":-0.1261798987785975},{"text":"Okay.","start":1165.31,"end":1165.81,"sentiment":"neutral","sentiment_score":0.05101833865046501}],"sentiment":"neutral","sentiment_score":-0.05435225344263017,"num_words":24,"start":1149.355,"end":1165.81},{"sentences":[{"text":"Cool.","start":1176.4249,"end":1176.9049,"sentiment":"positive","sentiment_score":0.7173022031784058},{"text":"Good.","start":1176.9049,"end":1177.225,"sentiment":"positive","sentiment_score":0.720806360244751},{"text":"Alright.","start":1177.225,"end":1177.705,"sentiment":"positive","sentiment_score":0.6886614561080933},{"text":"So your kids are gonna end up with a house, which is great.","start":1177.705,"end":1180.605,"sentiment":"positive","sentiment_score":0.7566217459165133},{"text":"And then there's this car, the motor home, the race car, the vans, the everything else.","start":1181.3049,"end":1185.4049,"sentiment":"neutral","sentiment_score":0.16571991937234998}],"sentiment":"positive","sentiment_score":0.4566991070751101,"num_words":32,"start":1176.4249,"end":1185.4049},{"sentences":[{"text":"Yeah.","start":1201.6849,"end":1202.085,"sentiment":"neutral","sentiment_score":0.27622702717781067},{"text":"I so things are nicely spread and split, which is good.","start":1202.085,"end":1206.1849,"sentiment":"positive","sentiment_score":0.5030917552384463},{"text":"It's just a matter of, I guess, just figuring out what what you wanna do with, like, the the super benefit.","start":1207.605,"end":1216.66,"sentiment":"neutral","sentiment_score":0.1655231515566508},{"text":"What is it achieving?","start":1216.66,"end":1217.64,"sentiment":"neutral","sentiment_score":0.14747086539864537},{"text":"You know?","start":1218.26,"end":1218.82,"sentiment":"neutral","sentiment_score":0.04047268256545067}],"sentiment":"neutral","sentiment_score":0.25530900882604796,"num_words":39,"start":1201.6849,"end":1218.82},{"sentences":[{"text":"If your kids are gonna get a pretty much a fully paid off house, then worst case scenario, they sell it, and they walk away with a decent 350,000 each, or whether, you know, you want the extra benefit to go to them.","start":1218.82,"end":1233.9751,"sentiment":"neutral","sentiment_score":0.11483193669728069},{"text":"Because currently, you know, you're paying you're paying for the insurance.","start":1233.9751,"end":1237.8351,"sentiment":"neutral","sentiment_score":-0.10780096731402657},{"text":"The same as any insurance policy that we have, we pay for it.","start":1238.65,"end":1241.55,"sentiment":"neutral","sentiment_score":-0.07873600807327491},{"text":"If you feel as though it's not really giving you a benefit, then, you know, we can definitely get rid of it.","start":1241.77,"end":1248.67,"sentiment":"neutral","sentiment_score":-0.3082493924620477},{"text":"It's just a matter of understanding the risks that if you don't have that insurance in place, there's no extra benefit for the family.","start":1249.13,"end":1255.905,"sentiment":"neutral","sentiment_score":-0.22160596462587515}],"sentiment":"neutral","sentiment_score":-0.08293482524433494,"num_words":113,"start":1218.82,"end":1255.905},{"sentences":[{"text":"And in the event you're never able to work again, it's $48,000 that you don't receive.","start":1255.905,"end":1260.165,"sentiment":"neutral","sentiment_score":-0.22163128107786179},{"text":"It's not a lot.","start":1262.705,"end":1263.845,"sentiment":"neutral","sentiment_score":-0.13870678283274174},{"text":"Yeah.","start":1282.415,"end":1282.735,"sentiment":"neutral","sentiment_score":-0.05875547230243683},{"text":"It the insurers within Superfunds, once you hit a certain age, it's basically a bell curve.","start":1282.735,"end":1288.8151,"sentiment":"neutral","sentiment_score":-0.0938334446400404},{"text":"So when we're, you know, 16 and starting out, we don't need insurance.","start":1288.8151,"end":1293.2,"sentiment":"neutral","sentiment_score":-0.11191641997832519}],"sentiment":"neutral","sentiment_score":-0.14231863349676133,"num_words":50,"start":1255.905,"end":1293.2},{"sentences":[{"text":"When we hit 25, that's the magical age that they determine that we need insurance.","start":1293.2,"end":1297.94,"sentiment":"neutral","sentiment_score":-0.08505839705467225},{"text":"Now me at 25, I had a five year old, so I definitely needed insurance for 25.","start":1298.3999,"end":1303.7799,"sentiment":"neutral","sentiment_score":-0.12269126448561163},{"text":"But, again, insurers magically decide that that's the age that we need children.","start":1304.415,"end":1308.515,"sentiment":"neutral","sentiment_score":-0.1257896343102822},{"text":"Sorry.","start":1309.2151,"end":1309.4551,"sentiment":"neutral","sentiment_score":-0.0663602352142334},{"text":"We need insurance.","start":1309.4551,"end":1310.755,"sentiment":"neutral","sentiment_score":-0.04247114931543668}],"sentiment":"neutral","sentiment_score":-0.10593196696468762,"num_words":49,"start":1293.2,"end":1310.755},{"sentences":[{"text":"Now from there, it basically bell curves all the way up until we hit about 42 because that is, again, the age that insurers have determined that we've got our life together and that we're starting to pay our debts down and that everything is, you know, going well.","start":1312.4951,"end":1329.0199,"sentiment":"neutral","sentiment_score":0.13886118634622924},{"text":"From that point, it starts going the benefit starts dropping.","start":1329.88,"end":1333.98,"sentiment":"neutral","sentiment_score":-0.0321832112967968},{"text":"And the older we get, the less insurance we have.","start":1335.205,"end":1338.1649,"sentiment":"neutral","sentiment_score":-0.060372525453567506},{"text":"And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim on.","start":1338.1649,"end":1346.9049,"sentiment":"neutral","sentiment_score":-0.12233115179520665},{"text":"And That is the standardized rule that they put in place, but not everyone's life runs that way.","start":1347.605,"end":1353.37,"sentiment":"neutral","sentiment_score":-0.015636982396245003}],"sentiment":"neutral","sentiment_score":0.013002058925728003,"num_words":120,"start":1312.4951,"end":1353.37},{"sentences":[{"text":"I have people that are in their well and truly into their fifties that still have hundreds of thousands of dollars worth of debt.","start":1353.9099,"end":1360.49,"sentiment":"neutral","sentiment_score":-0.11583000576744477},{"text":"I have people that are in their forties that have no debt at all.","start":1361.1749,"end":1365.2749,"sentiment":"neutral","sentiment_score":0.058556285819837024},{"text":"And like I said, I have quite a number of clients that are in their early twenties that have children that do need insurance because if anything does happen to those kids or it happens to them, they need to make sure that the kids are kids are covered and protected.","start":1366.0549,"end":1379.17,"sentiment":"neutral","sentiment_score":0.1170539984516069},{"text":"So it's a rule of thumb guide that the insurers use within the super funds because it's group insurance.","start":1381.23,"end":1386.45,"sentiment":"neutral","sentiment_score":0.11695692413731625},{"text":"It's just grouped as a as a policy.","start":1386.91,"end":1389.15,"sentiment":"neutral","sentiment_score":0.06473911507055163}],"sentiment":"neutral","sentiment_score":0.05818720916607257,"num_words":116,"start":1353.9099,"end":1389.15},{"sentences":[{"text":"This is what we've set up, and this is what you And it's not it's not meant to fit everyone.","start":1389.15,"end":1396.9049,"sentiment":"neutral","sentiment_score":-0.0034487355500459663},{"text":"And, unfortunately, if you don't look into it, if you don't look at the product disclosure statement, you don't know about it.","start":1398.085,"end":1402.485,"sentiment":"neutral","sentiment_score":-0.3132150335745378},{"text":"If you don't pay attention, you don't know about it.","start":1402.485,"end":1404.485,"sentiment":"neutral","sentiment_score":-0.324650901556015},{"text":"And a lot of people don't.","start":1404.485,"end":1406.345,"sentiment":"neutral","sentiment_score":-0.3129415611426036},{"text":"They just go, well, my super fund's always gonna be there.","start":1407.1799,"end":1409.7599,"sentiment":"neutral","sentiment_score":0.08021919971162622}],"sentiment":"neutral","sentiment_score":-0.1623398932641831,"num_words":69,"start":1389.15,"end":1409.7599},{"sentences":[{"text":"It's fine.","start":1409.8999,"end":1410.72,"sentiment":"neutral","sentiment_score":0.26070767641067505},{"text":"I'll just, you know, let it ride.","start":1411.0199,"end":1413.12,"sentiment":"neutral","sentiment_score":0.19553623454911367},{"text":"So I will have a look at it, and I will start running some figures and numbers and see where it lands us.","start":1416.0599,"end":1421.025,"sentiment":"neutral","sentiment_score":0.08903450875178627},{"text":"If the insurance is realistically not gonna make a dent in your overall financial position, I will recommend we cancel it.","start":1421.105,"end":1430.465,"sentiment":"negative","sentiment_score":-0.4704923228848548},{"text":"If I can find a policy that's gonna work for you that's gonna be nice and cheap and give you what you could possibly need, then I'll recommend that.","start":1430.465,"end":1438.21,"sentiment":"neutral","sentiment_score":0.1447145846383325}],"sentiment":"neutral","sentiment_score":-0.02128845280626925,"num_words":82,"start":1409.8999,"end":1438.21},{"sentences":[{"text":"I don't see a great need for insurance, so I'm gonna be completely frank.","start":1438.21,"end":1442.47,"sentiment":"neutral","sentiment_score":0.04899822335158076},{"text":"Are you able to find out what she does put into the fund?","start":1461.36,"end":1464.9,"sentiment":"neutral","sentiment_score":0.02866393542633607},{"text":"No.","start":1474.095,"end":1474.255,"sentiment":"neutral","sentiment_score":-0.17734402418136597},{"text":"I would okay.","start":1474.255,"end":1484.515,"sentiment":"neutral","sentiment_score":-0.08700785040855408},{"text":"Well, what I can do is I'll run the figures and have a have a look.","start":1485.3501,"end":1489.13,"sentiment":"neutral","sentiment_score":0.06636205059476197}],"sentiment":"neutral","sentiment_score":0.03578790471433325,"num_words":47,"start":1438.21,"end":1489.13},{"sentences":[{"text":"What I can base it on is basing it on, like, the standardized 12%.","start":1490.39,"end":1495.75,"sentiment":"neutral","sentiment_score":0.10171231095279966},{"text":"So if you were to put 12% of your income into the super fund, which is the standardized regulatory rate, I'll base it on that.","start":1495.75,"end":1506.245,"sentiment":"neutral","sentiment_score":0.10369431465864182},{"text":"And then I'll also show in the documentation, yes, if you were to put nothing in.","start":1507.025,"end":1511.5851,"sentiment":"neutral","sentiment_score":0.08714893111027777},{"text":"So that way, we've got a basis for nothing versus the legal rate, and I'll make a recommendation on what you would need to make sure you're putting in to make sure you're hitting your your desired goal.","start":1511.5851,"end":1522.38,"sentiment":"neutral","sentiment_score":0.18116582165423192},{"text":"So making sure that we're actually retiring by the age of 65 and we have a good income of, you know, $700 a week.","start":1522.92,"end":1528.965,"sentiment":"neutral","sentiment_score":0.21038162770370641}],"sentiment":"neutral","sentiment_score":0.14824079833606368,"num_words":117,"start":1490.39,"end":1528.965},{"sentences":[{"text":"K.","start":1531.205,"end":1531.525,"sentiment":"neutral","sentiment_score":-0.0024110423400998116},{"text":"And I will exclude for now, I will exclude, obviously, the investment property, and I will exclude any inheritance and anything like that.","start":1531.525,"end":1539.065,"sentiment":"neutral","sentiment_score":-0.09578043590907169},{"text":"Obviously, if we decide to sell the investment well, you know, we sell the investment property and we have a lump sum amount that we wanna play with and do something with, that'll come into play.","start":1539.125,"end":1547.84,"sentiment":"neutral","sentiment_score":-0.012672358632294668},{"text":"And if or when the inheritance does eventually trickle through, we can obviously consider that, and that may mean, you know, we're able to back off on you know, putting as much into the super fund or, you know, we can take maybe a little bit more of a conservative position overall to the investment structure.","start":1548.62,"end":1568.745,"sentiment":"neutral","sentiment_score":-0.0016284269679869925},{"text":"Oh, don't get me wrong.","start":1568.8049,"end":1569.605,"sentiment":"neutral","sentiment_score":0.00650101900100708}],"sentiment":"neutral","sentiment_score":-0.022481428051352007,"num_words":121,"start":1531.205,"end":1569.605},{"sentences":[{"text":"You're not exactly a conservative investor, and you still got time to be able to invest, but I will look at making sure that we are protecting the assets you've built.","start":1569.605,"end":1579.83,"sentiment":"neutral","sentiment_score":0.018828324913497892},{"text":"So yeah.","start":1583.6499,"end":1584.1299,"sentiment":"neutral","sentiment_score":0.0599999874830246},{"text":"So I'll I'll crack into things and start researching everything.","start":1584.1299,"end":1587.645,"sentiment":"neutral","sentiment_score":0.09724824354052544},{"text":"And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well.","start":1587.645,"end":1598.145,"sentiment":"neutral","sentiment_score":0.09978735735339503},{"text":"Okay.","start":1601.48,"end":1601.98,"sentiment":"neutral","sentiment_score":0.1172269955277443}],"sentiment":"neutral","sentiment_score":0.06515727408230304,"num_words":75,"start":1569.605,"end":1601.98},{"sentences":[{"text":"That that should be across the year, I would assume, unless you're looking at the cash statement.","start":1631.25,"end":1635.4299,"sentiment":"neutral","sentiment_score":0.013468076420180938},{"text":"What was it?","start":1643.405,"end":1643.965,"sentiment":"neutral","sentiment_score":0.003702460788190365},{"text":"5,790, did you say?","start":1643.965,"end":1646.3049,"sentiment":"neutral","sentiment_score":0.0021055320976302028},{"text":"Alright.","start":1652.38,"end":1652.7,"sentiment":"neutral","sentiment_score":0.13997285068035126},{"text":"Perfect.","start":1652.7,"end":1653.1,"sentiment":"positive","sentiment_score":0.3647127151489258}],"sentiment":"neutral","sentiment_score":0.02896816829720942,"num_words":26,"start":1631.25,"end":1653.1},{"sentences":[{"text":"That's okay.","start":1653.1,"end":1653.5,"sentiment":"neutral","sentiment_score":0.268790066242218},{"text":"And I'm assuming that's the last year?","start":1653.5,"end":1655.28,"sentiment":"neutral","sentiment_score":0.05402302768613611},{"text":"Okay.","start":1662.155,"end":1662.555,"sentiment":"neutral","sentiment_score":0.03470810130238533},{"text":"07/01/2025.","start":1662.555,"end":1663.835,"sentiment":"neutral","sentiment_score":0.03194861486554146},{"text":"Alright.","start":1663.835,"end":1664.075,"sentiment":"neutral","sentiment_score":0.1046328991651535}],"sentiment":"neutral","sentiment_score":0.09058591180170576,"num_words":12,"start":1653.1,"end":1664.075},{"sentences":[{"text":"So that's what we've contributed so far.","start":1664.075,"end":1665.515,"sentiment":"neutral","sentiment_score":0.0924207451088088},{"text":"$5.07 5 $9.52.","start":1665.515,"end":1667.615,"sentiment":"neutral","sentiment_score":0.04421572883923849},{"text":"Perfect.","start":1667.835,"end":1668.335,"sentiment":"positive","sentiment_score":0.3651961088180542},{"text":"I will I can I can work on that?","start":1668.475,"end":1671.595,"sentiment":"neutral","sentiment_score":0.2556341207689709},{"text":"That's fine.","start":1671.595,"end":1671.915,"sentiment":"neutral","sentiment_score":0.30973467230796814}],"sentiment":"neutral","sentiment_score":0.18477113375609572,"num_words":22,"start":1664.075,"end":1671.915},{"sentences":[{"text":"So that's pro rata for this year.","start":1671.915,"end":1673.515,"sentiment":"neutral","sentiment_score":0.046900349270020215},{"text":"That's easy.","start":1673.515,"end":1674.495,"sentiment":"positive","sentiment_score":0.4245278835296631},{"text":"Fantastic.","start":1674.555,"end":1675.055,"sentiment":"positive","sentiment_score":0.7583401203155518},{"text":"Cool.","start":1678.9601,"end":1679.4601,"sentiment":"positive","sentiment_score":0.4516870975494385},{"text":"I can I can I can do the math on that and figure out how much he's paying?","start":1679.6,"end":1683.7001,"sentiment":"neutral","sentiment_score":0.14498724829819468}],"sentiment":"neutral","sentiment_score":0.17231572066144696,"num_words":29,"start":1671.915,"end":1683.7001},{"sentences":[{"text":"That's easy.","start":1683.76,"end":1684.98,"sentiment":"neutral","sentiment_score":0.20135855302214622},{"text":"Perfect.","start":1686.4,"end":1686.88,"sentiment":"positive","sentiment_score":0.649084746837616},{"text":"Alright.","start":1686.88,"end":1687.2001,"sentiment":"neutral","sentiment_score":0.2659493088722229},{"text":"Well, I will let you go, and I will talk to you again on Wednesday.","start":1687.2001,"end":1689.62,"sentiment":"neutral","sentiment_score":0.17422378559907278},{"text":"Not a problem, Rob.","start":1691.725,"end":1692.605,"sentiment":"neutral","sentiment_score":0.33118660002946854}],"sentiment":"neutral","sentiment_score":0.2285154063416564,"num_words":23,"start":1683.76,"end":1692.605},{"sentences":[{"text":"Have a great weekend.","start":1692.605,"end":1693.585,"sentiment":"positive","sentiment_score":0.552507221698761},{"text":"Bye.","start":1695.965,"end":1696.465,"sentiment":"neutral","sentiment_score":0.06052009016275406}],"sentiment":"positive","sentiment_score":0.4541097953915596,"num_words":5,"start":1692.605,"end":1696.465}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hey. How are you doing? Did you get Rob's details through? Yep. That's him. Yeah. Lovely guy. Very cruisy. I've booked him in for Wednesday at 05:30. He's got the day off. He's only working four days a week now. They've wound the business back from five days to four, so he gets Fridays off. But, yeah, he's cool. He's keen to see what he can do to try and get it working better. A little bit conservative with some of his answers, but also doesn't know a lot, doesn't understand a lot. So I was just trying to walk him through the questions and and make him comfortable. But, yeah, he's open to advice. Lovely. Alright. We'll just grab him for you. Cheers. Thanks for holding. That's alright. I've got Larissa on the line. As I said, she's one of the senior advisers with that's gonna work on the plan. Yep. So she'll just have a quick chat, get to work on the plan, and then I will chat with you on Wednesday night. No worries, mate. Thank you. No worries. You have a good weekend. Yeah. You too, mate. Thank you. Thanks, mate. Bye. Yeah. Good. Thanks. Yes. Yes. Yes. Yes. Yes. Yeah. That's right. Yeah. I'm I'm still on light duty, but I've got I've got a guy helping me at the moment, so that's all good. So we're still good bringing the money in and everything like that. So that's not affecting wages or anything, which has been great. So Yeah. Again, healing well. I had surgery about to put two tendons back on my shoulder about nearly seven weeks ago now, and everything's everything's good now. So it's just healing and, yeah, I'm out of the thing now and starting to use it a bit better now. So it's good. It's well, I'd like to retire a lot earlier. But I don't think my income will be right or anything. So, you know, look, we got other things in place. We got don't like talking about it. We got inheritance coming our way and stuff like that, so we don't have to worry about it too much. But, really, I just wanna try and do what I've got by myself and everything like that trying to get it up. So if you know. Yeah. That's right. Yeah. Yeah. Yeah. I'm I I've got a guy that's just retired, a mate of mine, and he's been able to get his super invested in other ways. So but he just couldn't take it out. It had to be invested in something else or something. So Yeah. Yeah. Yeah. Yeah. Yeah. That's about right. Yeah. We've we've looked once we've paid off all our debts, like, we've I've still got $70 to go in our house and even though we got renters in there at the moment and everything's fine, it's just that we're still building up what we have here. Like, I've got old school cars too. I've got Taranis and everything like that. So we're still trying to build one of those eventually, and then I can sell them when I'm retired. You know what I mean? Sort of thing. So yeah. So we're just putting few things in place that we've worked out that if we can if I can get $700 a week, that that that's probably what I'll need. So Yeah. Yeah. Yes. Yeah. Well, I've got we've got $70.76 to go. I should pay that off within a year and a half or a year or something. Well, I forget how my wife's working out. So but yeah. Yeah. Yeah. Yeah. So but so we're I've remarried with this new lady I've got. We've been with each other nearly eight years. She's got a house. She's already paid it off. I've nearly paid mine off, and we own all our vehicles and everything like that. So Yep. Yeah. Yeah. The investment property, which is mine, comes from a previous marriage. I I'm still paying that one off. Yeah. So and and it's been rented. Yeah. That's correct. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Oh, it worked out quite well because it didn't work the last time. No. That's alright. Yes. Yeah. That's right. Yeah. Yeah. My father. Yeah. My father. He's he's 86, but, I mean, in ten years' time, he'd be 96. And I don't know whether he'll be that old. I hope he's but in ten years, yeah. So my sister sorry. My sister and I I do say there'll be a fair bit of money. Dad dad was very high in investing money from an early age, and he's a self funded retiree. So so he's done pretty well for himself. So yeah. Look. Like, I don't like talking about it, but it's it's it's it's it's fact that it will happen Monday. So that's we're just it's just a a waiting game. And so and my wife as well. She's got inheritance coming her way. Probably not as much as I have, but but we will all accumulate together. We we're trying to see eventually, I'll probably sell my house because of the return on it, which is, say, $20 a year. I'm thinking of when I do sell it, put the money into an investment like just in a a term deposit, and it's and if I put it in there now, it's a 4.95%, which is $31,000 a year. Well, that's half a wage. So it's so there's a start there, everything like that. So if you can just do those sort of investments and we get some from super blah blah blah. We we should be pretty well right. Yep. Yes. Yep. Yeah. Yeah. I'll be right back. Yeah. Yeah. Yeah. Yeah. Because I'm earning money. Yes. Yeah. Yes. Yeah. Yep. Yeah. Okay. Yeah. I understand you. Yep. Yeah. Right. Yep. Yep. So if if if I can move back in there, how long do I gotta live? Do you know how long I'm gonna live in there before I can sell it? Or twelve months. Yeah. Righto. Yep. Yeah. Righto. Yep. No problem. My son's living in there actually at the moment. So yeah. Yeah. Yeah. So now it's it's they're they're going quite well. So it's good. Yeah. Yeah. Yeah. Yeah. So no. That's okay. Alright. I'd probably get more return on it if I was renting it to someone else yet because I'm not charging my son a hell of a lot of money. Well, I could be getting around 500 a week, but it's at $3.60 a week at the moment. So that's the reason why I said I'd I'd sell it is because they're planning on buying it. That if I if I bought it at with what you're saying, I'd probably buy another property. Yeah. Yeah. Yeah. Yeah. Yeah. Right. Yep. Yeah. Yeah. Yep. Yeah. I understand you. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's fine. So what's what's your company called? OAK. OAK. OAK View, was it? Yep. Yep. Yep. No worries. Yep. No worries. Okay. Cool. Yeah. Yeah. Yeah. I I really didn't know anything about it until we looked on it a few couple of years ago. He said, you got you got cover here. I said, what's wrong? I never I don't remember ever getting it. So yeah. So I I I don't didn't know it's well, it's not really a lot of money, so I'm probably inclined to get rid of it. I don't know. Yes. Yes. Yes. Yes. Yes. Yeah. Okay. Yeah. Yeah. Yeah. Yes. Yeah. Yep. Yep. No. I'd I'd have to have a look. It was we did it about five years, six years ago. So when we when we first met. So I do I do know that my house goes to my kids and the house I'm living with my wife, it goes to this house goes to her kids. So yeah. Yeah. Yeah. So the the motor home goes to my kids, the race cars, and my go to my kids, and the rest of the like, my van and Janine's car that she drives goes to her kids. So yeah. Yep. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. I just thought that that the cover that that's been provided here, and I'm looking at it now on the computer. Like, I just thought, why is it that low? It's only $48. You know, like, like, some of the ones I've been looking at, you know, it might be a dollar a day, and then they got $350. You know what I mean? So Yep. Yeah. Yeah. Yeah. Yes. Yes. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I'm seeing it. Yep. Yeah. Yeah. Yeah. Righto. Yeah. And look, when you do find come back with like, I'm not I'm not sure what my wife's putting into the super each week. I'm not sure, but I I'm quite happy to put more in, like, another $20 a week more in or whatever. You know? So not me. She's just going to see her mother in hospital. Oh, not hospital, but she gets an injection in her eye, which I don't go and watch. But no. No. So but she would know everything about it. So on Wednesday at 05:30, she'll be here anyway. So Yes. Yes. Yes. Yeah. Yeah. Okay. Yes. Yes. Yes. Yes. Yep. Yeah. Yeah. Yeah. Yeah. I understand. Yeah. Yep. Yep. No worries. Alright. I'm just seeing if I can find out on here where I can see if she's transaction history. See how much she puts in next week. Okay. It's just got here employee employer contributions 5,759. I'd say that would that be a year? Starting balance, employer contributions, it's just got that. And then $5,759.52. That was from the 07/01/2025 starting balance. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No worries. Cool. No worries. Thanks a lot. Talk to you soon. Alright. Yeah. You too. Bye bye. 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Hello? Hey. How are you doing? Did you get Rob's details through?\n\nYep. That's him. Yeah. Lovely guy. Very cruisy.\n\nI've booked him in for Wednesday at 05:30. He's got the day off. He's only working four days a week now. They've wound the business back from five days to four, so he gets Fridays off. But, yeah, he's cool.\n\nHe's keen to see what he can do to try and get it working better. A little bit conservative with some of his answers, but also doesn't know a lot, doesn't understand a lot. So I was just trying to walk him through the questions and and make him comfortable. But, yeah, he's open to advice. Lovely.\n\nAlright. We'll just grab him for you. Cheers. Thanks for holding. That's alright.\n\nI've got Larissa on the line. As I said, she's one of the senior advisers with that's gonna work on the plan. Yep. So she'll just have a quick chat, get to work on the plan, and then I will chat with you on Wednesday night. No worries, mate.\n\nThank you. No worries. You have a good weekend. Yeah. You too, mate.\n\nThank you. Thanks, mate. Bye. Yeah. Good.\n\nThanks. Yes. Yes. Yes. Yes.\n\nYes. Yeah. That's right. Yeah. I'm I'm still on light duty, but I've got I've got a guy helping me at the moment, so that's all good.\n\nSo we're still good bringing the money in and everything like that. So that's not affecting wages or anything, which has been great. So Yeah. Again, healing well. I had surgery about to put two tendons back on my shoulder about nearly seven weeks ago now, and everything's everything's good now.\n\nSo it's just healing and, yeah, I'm out of the thing now and starting to use it a bit better now. So it's good. It's well, I'd like to retire a lot earlier. But I don't think my income will be right or anything. So, you know, look, we got other things in place.\n\nWe got don't like talking about it. We got inheritance coming our way and stuff like that, so we don't have to worry about it too much. But, really, I just wanna try and do what I've got by myself and everything like that trying to get it up. So if you know. Yeah.\n\nThat's right. Yeah. Yeah. Yeah. I'm I I've got a guy that's just retired, a mate of mine, and he's been able to get his super invested in other ways.\n\nSo but he just couldn't take it out. It had to be invested in something else or something. So Yeah. Yeah. Yeah.\n\nYeah. Yeah. That's about right. Yeah. We've we've looked once we've paid off all our debts, like, we've I've still got $70 to go in our house and even though we got renters in there at the moment and everything's fine, it's just that we're still building up what we have here.\n\nLike, I've got old school cars too. I've got Taranis and everything like that. So we're still trying to build one of those eventually, and then I can sell them when I'm retired. You know what I mean? Sort of thing.\n\nSo yeah. So we're just putting few things in place that we've worked out that if we can if I can get $700 a week, that that that's probably what I'll need. So Yeah. Yeah. Yes.\n\nYeah. Well, I've got we've got $70.76 to go. I should pay that off within a year and a half or a year or something. Well, I forget how my wife's working out. So but yeah.\n\nYeah. Yeah. Yeah. So but so we're I've remarried with this new lady I've got. We've been with each other nearly eight years.\n\nShe's got a house. She's already paid it off. I've nearly paid mine off, and we own all our vehicles and everything like that. So Yep. Yeah.\n\nYeah. The investment property, which is mine, comes from a previous marriage. I I'm still paying that one off. Yeah. So and and it's been rented.\n\nYeah. That's correct. Yes. Yes. Yeah.\n\nYeah. Yeah. Yeah. Oh, it worked out quite well because it didn't work the last time. No.\n\nThat's alright. Yes. Yeah. That's right. Yeah.\n\nYeah. My father. Yeah. My father. He's he's 86, but, I mean, in ten years' time, he'd be 96.\n\nAnd I don't know whether he'll be that old. I hope he's but in ten years, yeah. So my sister sorry. My sister and I I do say there'll be a fair bit of money. Dad dad was very high in investing money from an early age, and he's a self funded retiree.\n\nSo so he's done pretty well for himself. So yeah. Look. Like, I don't like talking about it, but it's it's it's it's it's fact that it will happen Monday. So that's we're just it's just a a waiting game.\n\nAnd so and my wife as well. She's got inheritance coming her way. Probably not as much as I have, but but we will all accumulate together. We we're trying to see eventually, I'll probably sell my house because of the return on it, which is, say, $20 a year. I'm thinking of when I do sell it, put the money into an investment like just in a a term deposit, and it's and if I put it in there now, it's a 4.95%, which is $31,000 a year.\n\nWell, that's half a wage. So it's so there's a start there, everything like that. So if you can just do those sort of investments and we get some from super blah blah blah. We we should be pretty well right. Yep.\n\nYes. Yep. Yeah. Yeah. I'll be right back.\n\nYeah. Yeah. Yeah. Yeah. Because I'm earning money.\n\nYes. Yeah. Yes. Yeah. Yep.\n\nYeah. Okay. Yeah. I understand you. Yep.\n\nYeah. Right. Yep. Yep. So if if if I can move back in there, how long do I gotta live?\n\nDo you know how long I'm gonna live in there before I can sell it? Or twelve months. Yeah. Righto. Yep.\n\nYeah. Righto. Yep. No problem. My son's living in there actually at the moment.\n\nSo yeah. Yeah. Yeah. So now it's it's they're they're going quite well. So it's good.\n\nYeah. Yeah. Yeah. Yeah. So no.\n\nThat's okay. Alright. I'd probably get more return on it if I was renting it to someone else yet because I'm not charging my son a hell of a lot of money. Well, I could be getting around 500 a week, but it's at $3.60 a week at the moment. So that's the reason why I said I'd I'd sell it is because they're planning on buying it.\n\nThat if I if I bought it at with what you're saying, I'd probably buy another property. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Right. Yep. Yeah. Yeah.\n\nYep. Yeah. I understand you. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That's fine. So what's what's your company called?\n\nOAK. OAK. OAK View, was it? Yep. Yep.\n\nYep. No worries. Yep. No worries. Okay.\n\nCool. Yeah. Yeah. Yeah. I I really didn't know anything about it until we looked on it a few couple of years ago.\n\nHe said, you got you got cover here. I said, what's wrong? I never I don't remember ever getting it. So yeah. So I I I don't didn't know it's well, it's not really a lot of money, so I'm probably inclined to get rid of it.\n\nI don't know. Yes. Yes. Yes. Yes.\n\nYes. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yes. Yeah. Yep. Yep.\n\nNo. I'd I'd have to have a look. It was we did it about five years, six years ago. So when we when we first met. So I do I do know that my house goes to my kids and the house I'm living with my wife, it goes to this house goes to her kids.\n\nSo yeah. Yeah. Yeah. So the the motor home goes to my kids, the race cars, and my go to my kids, and the rest of the like, my van and Janine's car that she drives goes to her kids. So yeah.\n\nYep. Yeah. Yes. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I just thought that that the cover that that's been provided here, and I'm looking at it now on the computer. Like, I just thought, why is it that low?\n\nIt's only $48. You know, like, like, some of the ones I've been looking at, you know, it might be a dollar a day, and then they got $350. You know what I mean? So Yep. Yeah.\n\nYeah. Yeah. Yes. Yes. Yeah.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I'm seeing it. Yep.\n\nYeah. Yeah. Yeah. Righto. Yeah.\n\nAnd look, when you do find come back with like, I'm not I'm not sure what my wife's putting into the super each week. I'm not sure, but I I'm quite happy to put more in, like, another $20 a week more in or whatever. You know? So not me. She's just going to see her mother in hospital.\n\nOh, not hospital, but she gets an injection in her eye, which I don't go and watch. But no. No. So but she would know everything about it. So on Wednesday at 05:30, she'll be here anyway.\n\nSo Yes. Yes. Yes. Yeah. Yeah.\n\nOkay. Yes. Yes. Yes. Yes.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nI understand. Yeah. Yep. Yep. No worries.\n\nAlright. I'm just seeing if I can find out on here where I can see if she's transaction history. See how much she puts in next week. Okay. It's just got here employee employer contributions 5,759.\n\nI'd say that would that be a year? Starting balance, employer contributions, it's just got that. And then $5,759.52. That was from the 07/01/2025 starting balance. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo worries. Cool. No worries. Thanks a lot. Talk to you soon.\n\nAlright. Yeah. You too. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.4,"end":4.48,"sentiment":"neutral","sentiment_score":0.01969662308692932},{"text":"Hello?","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.019272789359092712},{"text":"Hey.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.07994355261325836},{"text":"How are you doing?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.13324951939284801},{"text":"Did you get Rob's details through?","start":16.395,"end":19.055,"sentiment":"neutral","sentiment_score":-0.07258532258371513}],"sentiment":"neutral","sentiment_score":0.016646085163721673,"num_words":13,"start":4.4,"end":19.055},{"sentences":[{"text":"Yep.","start":21.275,"end":21.775,"sentiment":"neutral","sentiment_score":0.035486429929733276},{"text":"That's him.","start":21.914999,"end":22.814999,"sentiment":"neutral","sentiment_score":0.03912188671529293},{"text":"Yeah.","start":23.515,"end":23.994999,"sentiment":"neutral","sentiment_score":0.15531407296657562},{"text":"Lovely guy.","start":23.994999,"end":24.974998,"sentiment":"neutral","sentiment_score":0.2613397091627121},{"text":"Very cruisy.","start":25.82,"end":26.64,"sentiment":"negative","sentiment_score":-0.3456507474184036}],"sentiment":"neutral","sentiment_score":0.012552774976938963,"num_words":8,"start":21.275,"end":26.64},{"sentences":[{"text":"I've booked him in for Wednesday at 05:30.","start":26.699999,"end":29.68,"sentiment":"neutral","sentiment_score":0.03121818753425032},{"text":"He's got the day off.","start":30.7,"end":31.82,"sentiment":"neutral","sentiment_score":0.022240054234862326},{"text":"He's only working four days a week now.","start":31.82,"end":34.379997,"sentiment":"neutral","sentiment_score":-0.03456730174366385},{"text":"They've wound the business back from five days to four, so he gets Fridays off.","start":34.379997,"end":38.3,"sentiment":"neutral","sentiment_score":-0.06523262647291024},{"text":"But, yeah, he's cool.","start":38.3,"end":39.715,"sentiment":"neutral","sentiment_score":0.31449009478092194}],"sentiment":"neutral","sentiment_score":0.009096958488225938,"num_words":40,"start":26.699999,"end":39.715},{"sentences":[{"text":"He's keen to see what he can do to try and get it working better.","start":39.715,"end":42.855,"sentiment":"neutral","sentiment_score":0.2536676650245984},{"text":"A little bit conservative with some of his answers, but also doesn't know a lot, doesn't understand a lot.","start":43.235,"end":48.595,"sentiment":"neutral","sentiment_score":-0.1543362709252458},{"text":"So I was just trying to walk him through the questions and and make him comfortable.","start":48.595,"end":52.695,"sentiment":"neutral","sentiment_score":0.057492805644869804},{"text":"But, yeah, he's open to advice.","start":52.755,"end":54.455,"sentiment":"neutral","sentiment_score":0.21878254289428392},{"text":"Lovely.","start":57.77,"end":58.27,"sentiment":"positive","sentiment_score":0.505172610282898}],"sentiment":"neutral","sentiment_score":0.06333997518869869,"num_words":57,"start":39.715,"end":58.27},{"sentences":[{"text":"Alright.","start":58.329998,"end":58.73,"sentiment":"neutral","sentiment_score":0.32563433051109314},{"text":"We'll just grab him for you.","start":58.73,"end":60.19,"sentiment":"neutral","sentiment_score":0.33231309552987415},{"text":"Cheers.","start":62.01,"end":62.51,"sentiment":"positive","sentiment_score":0.5402185320854187},{"text":"Thanks for holding.","start":66.49,"end":67.55,"sentiment":"positive","sentiment_score":0.567886749903361},{"text":"That's alright.","start":67.715004,"end":68.115005,"sentiment":"neutral","sentiment_score":0.2558724135160446}],"sentiment":"positive","sentiment_score":0.390395116347533,"num_words":13,"start":58.329998,"end":68.115005},{"sentences":[{"text":"I've got Larissa on the line.","start":68.115005,"end":69.715004,"sentiment":"neutral","sentiment_score":0.16239570329586664},{"text":"As I said, she's one of the senior advisers with that's gonna work on the plan.","start":69.715004,"end":73.815,"sentiment":"neutral","sentiment_score":0.16670424630865455},{"text":"Yep.","start":74.115005,"end":74.195,"sentiment":"neutral","sentiment_score":0.1219213530421257},{"text":"So she'll just have a quick chat, get to work on the plan, and then I will chat with you on Wednesday night.","start":74.195,"end":80.055,"sentiment":"neutral","sentiment_score":0.14039826879034872},{"text":"No worries, mate.","start":80.3,"end":81.1,"sentiment":"neutral","sentiment_score":0.15823955833911896}],"sentiment":"neutral","sentiment_score":0.15239678308063623,"num_words":49,"start":68.115005,"end":81.1},{"sentences":[{"text":"Thank you.","start":81.1,"end":81.76,"sentiment":"positive","sentiment_score":0.3658800423145294},{"text":"No worries.","start":82.22,"end":82.700005,"sentiment":"neutral","sentiment_score":0.19879678636789322},{"text":"You have a good weekend.","start":82.700005,"end":83.68,"sentiment":"positive","sentiment_score":0.4055467665195465},{"text":"Yeah.","start":83.82,"end":84.06,"sentiment":"neutral","sentiment_score":0.1491423100233078},{"text":"You too, mate.","start":84.06,"end":84.700005,"sentiment":"neutral","sentiment_score":0.19239062070846558}],"sentiment":"neutral","sentiment_score":0.29872320477779096,"num_words":13,"start":81.1,"end":84.700005},{"sentences":[{"text":"Thank you.","start":84.700005,"end":85.26,"sentiment":"positive","sentiment_score":0.37060314416885376},{"text":"Thanks, mate.","start":85.26,"end":85.98,"sentiment":"positive","sentiment_score":0.34109701216220856},{"text":"Bye.","start":85.98,"end":86.48,"sentiment":"neutral","sentiment_score":0.18737946450710297},{"text":"Yeah.","start":89.82,"end":90.14,"sentiment":"neutral","sentiment_score":0.1715533286333084},{"text":"Good.","start":90.14,"end":90.380005,"sentiment":"neutral","sentiment_score":0.3258781433105469}],"sentiment":"neutral","sentiment_score":0.3011730355875833,"num_words":7,"start":84.700005,"end":90.380005},{"sentences":[{"text":"Thanks.","start":90.380005,"end":90.880005,"sentiment":"positive","sentiment_score":0.41477805376052856},{"text":"Yes.","start":117.25,"end":117.75,"sentiment":"neutral","sentiment_score":0.20816493034362793},{"text":"Yes.","start":122.435,"end":122.935,"sentiment":"positive","sentiment_score":0.3548052906990051},{"text":"Yes.","start":133.635,"end":134.035,"sentiment":"neutral","sentiment_score":0.059397388249635696},{"text":"Yes.","start":134.035,"end":134.535,"sentiment":"neutral","sentiment_score":0.08573466539382935}],"sentiment":"neutral","sentiment_score":0.22457606568932534,"num_words":5,"start":90.380005,"end":134.535},{"sentences":[{"text":"Yes.","start":138.47,"end":138.97,"sentiment":"neutral","sentiment_score":0.051434874534606934},{"text":"Yeah.","start":155.525,"end":155.765,"sentiment":"neutral","sentiment_score":0.04718329757452011},{"text":"That's right.","start":155.765,"end":156.325,"sentiment":"neutral","sentiment_score":0.0913286954164505},{"text":"Yeah.","start":156.325,"end":156.565,"sentiment":"neutral","sentiment_score":0.14446397125720978},{"text":"I'm I'm still on light duty, but I've got I've got a guy helping me at the moment, so that's all good.","start":156.565,"end":161.78,"sentiment":"neutral","sentiment_score":0.19951513324948875}],"sentiment":"neutral","sentiment_score":0.17833601724770334,"num_words":27,"start":138.47,"end":161.78},{"sentences":[{"text":"So we're still good bringing the money in and everything like that.","start":161.78,"end":164.9,"sentiment":"positive","sentiment_score":0.373711459338665},{"text":"So that's not affecting wages or anything, which has been great.","start":164.9,"end":168.42,"sentiment":"positive","sentiment_score":0.3620475056496533},{"text":"So Yeah.","start":168.42,"end":178.16501,"sentiment":"neutral","sentiment_score":0.2495923601090908},{"text":"Again, healing well.","start":178.16501,"end":179.365,"sentiment":"neutral","sentiment_score":0.1259723280866941},{"text":"I had surgery about to put two tendons back on my shoulder about nearly seven weeks ago now, and everything's everything's good now.","start":179.365,"end":187.205,"sentiment":"neutral","sentiment_score":0.10138049235810405}],"sentiment":"neutral","sentiment_score":0.2289394726063691,"num_words":51,"start":161.78,"end":187.205},{"sentences":[{"text":"So it's just healing and, yeah, I'm out of the thing now and starting to use it a bit better now.","start":187.205,"end":191.98,"sentiment":"neutral","sentiment_score":0.0769086316937492},{"text":"So it's good.","start":191.98,"end":192.79999,"sentiment":"positive","sentiment_score":0.3965178628762563},{"text":"It's well, I'd like to retire a lot earlier.","start":223.03,"end":227.45,"sentiment":"neutral","sentiment_score":0.06071922555565834},{"text":"But I don't think my income will be right or anything.","start":228.79001,"end":232.605,"sentiment":"neutral","sentiment_score":-0.027417606928131798},{"text":"So, you know, look, we got other things in place.","start":232.66501,"end":235.385,"sentiment":"neutral","sentiment_score":0.039878268539905545}],"sentiment":"neutral","sentiment_score":0.06385734987755616,"num_words":54,"start":187.205,"end":235.385},{"sentences":[{"text":"We got don't like talking about it.","start":235.385,"end":237.865,"sentiment":"neutral","sentiment_score":0.012333027319982648},{"text":"We got inheritance coming our way and stuff like that, so we don't have to worry about it too much.","start":237.865,"end":242.265,"sentiment":"neutral","sentiment_score":0.11474601067602634},{"text":"But, really, I just wanna try and do what I've got by myself and everything like that trying to get it up.","start":242.265,"end":247.65,"sentiment":"neutral","sentiment_score":0.1769032082097097},{"text":"So if you know.","start":249.39,"end":250.62,"sentiment":"neutral","sentiment_score":0.019142863806337118},{"text":"Yeah.","start":267.015,"end":267.33502,"sentiment":"neutral","sentiment_score":0.033065829426050186}],"sentiment":"neutral","sentiment_score":0.11819924574121143,"num_words":54,"start":235.385,"end":267.33502},{"sentences":[{"text":"That's right.","start":267.33502,"end":267.975,"sentiment":"neutral","sentiment_score":0.04434714466333389},{"text":"Yeah.","start":267.975,"end":268.475,"sentiment":"neutral","sentiment_score":-0.003271808847784996},{"text":"Yeah.","start":282.06998,"end":282.47,"sentiment":"neutral","sentiment_score":-0.04839815944433212},{"text":"Yeah.","start":282.47,"end":282.97,"sentiment":"neutral","sentiment_score":-0.06614089012145996},{"text":"I'm I I've got a guy that's just retired, a mate of mine, and he's been able to get his super invested in other ways.","start":283.03,"end":290.425,"sentiment":"neutral","sentiment_score":0.008965112045407295}],"sentiment":"neutral","sentiment_score":0.0065003744016091025,"num_words":30,"start":267.33502,"end":290.425},{"sentences":[{"text":"So but he just couldn't take it out.","start":290.425,"end":292.34497,"sentiment":"neutral","sentiment_score":-0.16988779604434967},{"text":"It had to be invested in something else or something.","start":292.34497,"end":294.745,"sentiment":"neutral","sentiment_score":-0.10965188592672348},{"text":"So Yeah.","start":294.745,"end":305.21002,"sentiment":"neutral","sentiment_score":-0.0628582313656807},{"text":"Yeah.","start":318.665,"end":318.905,"sentiment":"neutral","sentiment_score":0.044008396565914154},{"text":"Yeah.","start":318.905,"end":319.405,"sentiment":"neutral","sentiment_score":0.06477966159582138}],"sentiment":"neutral","sentiment_score":-0.11238861964507536,"num_words":22,"start":290.425,"end":319.405},{"sentences":[{"text":"Yeah.","start":329.56003,"end":330.06003,"sentiment":"neutral","sentiment_score":0.04722312092781067},{"text":"Yeah.","start":341.14502,"end":341.545,"sentiment":"neutral","sentiment_score":0.04304149746894837},{"text":"That's about right.","start":341.545,"end":342.345,"sentiment":"neutral","sentiment_score":0.060763260970513024},{"text":"Yeah.","start":342.345,"end":342.845,"sentiment":"neutral","sentiment_score":0.044954292476177216},{"text":"We've we've looked once we've paid off all our debts, like, we've I've still got $70 to go in our house and even though we got renters in there at the moment and everything's fine, it's just that we're still building up what we have here.","start":343.70502,"end":358.85,"sentiment":"neutral","sentiment_score":0.03828072300909654}],"sentiment":"neutral","sentiment_score":0.039969652926979155,"num_words":52,"start":329.56003,"end":358.85},{"sentences":[{"text":"Like, I've got old school cars too.","start":358.85,"end":361.57,"sentiment":"neutral","sentiment_score":0.011938720076744045},{"text":"I've got Taranis and everything like that.","start":361.57,"end":363.33,"sentiment":"neutral","sentiment_score":0.024288116289036616},{"text":"So we're still trying to build one of those eventually, and then I can sell them when I'm retired.","start":363.33,"end":370.155,"sentiment":"neutral","sentiment_score":0.061251344061211535},{"text":"You know what I mean?","start":370.155,"end":370.875,"sentiment":"neutral","sentiment_score":-0.011818309128284455},{"text":"Sort of thing.","start":370.875,"end":371.51498,"sentiment":"neutral","sentiment_score":-0.002295802851828436}],"sentiment":"neutral","sentiment_score":0.032960596037233565,"num_words":41,"start":358.85,"end":371.51498},{"sentences":[{"text":"So yeah.","start":371.51498,"end":373.595,"sentiment":"neutral","sentiment_score":0.06923940032720566},{"text":"So we're just putting few things in place that we've worked out that if we can if I can get $700 a week, that that that's probably what I'll need.","start":373.595,"end":381.135,"sentiment":"neutral","sentiment_score":0.09386549890041351},{"text":"So Yeah.","start":381.595,"end":393.71,"sentiment":"neutral","sentiment_score":0.1248590424656868},{"text":"Yeah.","start":393.71,"end":394.21,"sentiment":"neutral","sentiment_score":0.1530769020318985},{"text":"Yes.","start":397.875,"end":398.375,"sentiment":"neutral","sentiment_score":0.16978991031646729}],"sentiment":"neutral","sentiment_score":0.09797301847073767,"num_words":36,"start":371.51498,"end":398.375},{"sentences":[{"text":"Yeah.","start":412.42,"end":412.82,"sentiment":"neutral","sentiment_score":0.05180128291249275},{"text":"Well, I've got we've got $70.76 to go.","start":412.82,"end":416.82,"sentiment":"neutral","sentiment_score":0.08424909284804016},{"text":"I should pay that off within a year and a half or a year or something.","start":416.82,"end":420.18,"sentiment":"neutral","sentiment_score":0.10802982095628977},{"text":"Well, I forget how my wife's working out.","start":420.18,"end":422.58,"sentiment":"neutral","sentiment_score":-0.00710385711863637},{"text":"So but yeah.","start":422.58,"end":425.115,"sentiment":"neutral","sentiment_score":0.06135154018799464}],"sentiment":"neutral","sentiment_score":0.07170819235034287,"num_words":36,"start":412.42,"end":425.115},{"sentences":[{"text":"Yeah.","start":427.495,"end":427.81497,"sentiment":"neutral","sentiment_score":0.02348438650369644},{"text":"Yeah.","start":427.81497,"end":428.13498,"sentiment":"neutral","sentiment_score":0.02670704945921898},{"text":"Yeah.","start":428.13498,"end":428.53497,"sentiment":"neutral","sentiment_score":0.026505909860134125},{"text":"So but so we're I've remarried with this new lady I've got.","start":428.53497,"end":432.69498,"sentiment":"neutral","sentiment_score":0.021444071472312014},{"text":"We've been with each other nearly eight 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know.","start":1066.5599,"end":1067.38,"sentiment":"neutral","sentiment_score":-0.1276154344280561},{"text":"Yes.","start":1072.2051,"end":1072.7051,"sentiment":"neutral","sentiment_score":0.08699904382228851},{"text":"Yes.","start":1078.045,"end":1078.545,"sentiment":"neutral","sentiment_score":0.12472028285264967},{"text":"Yes.","start":1086.59,"end":1087.09,"sentiment":"neutral","sentiment_score":0.1203010156750679},{"text":"Yes.","start":1090.59,"end":1091.09,"sentiment":"neutral","sentiment_score":0.1326887160539627}],"sentiment":"neutral","sentiment_score":0.011694679302828652,"num_words":7,"start":1066.5599,"end":1091.09},{"sentences":[{"text":"Yes.","start":1096.03,"end":1096.53,"sentiment":"neutral","sentiment_score":0.25385782122612},{"text":"Yeah.","start":1108.245,"end":1108.565,"sentiment":"neutral","sentiment_score":0.14029067754745483},{"text":"Okay.","start":1108.565,"end":1109.065,"sentiment":"neutral","sentiment_score":0.15192729234695437},{"text":"Yeah.","start":1129.085,"end":1129.485,"sentiment":"neutral","sentiment_score":0.04839134216308594},{"text":"Yeah.","start":1129.485,"end":1129.985,"sentiment":"neutral","sentiment_score":0.031357377767562866}],"sentiment":"neutral","sentiment_score":0.1251649022102356,"num_words":5,"start":1096.03,"end":1129.985},{"sentences":[{"text":"Yeah.","start":1135.885,"end":1136.385,"sentiment":"neutral","sentiment_score":0.004408840090036392},{"text":"Yes.","start":1137.395,"end":1137.645,"sentiment":"neutral","sentiment_score":0.04208601266145706},{"text":"Yeah.","start":1137.645,"end":1138.145,"sentiment":"neutral","sentiment_score":0.05465305224061012},{"text":"Yep.","start":1140.845,"end":1141.345,"sentiment":"neutral","sentiment_score":0.08162879198789597},{"text":"Yep.","start":1147.93,"end":1148.43,"sentiment":"neutral","sentiment_score":0.032294861972332}],"sentiment":"neutral","sentiment_score":0.04301431179046631,"num_words":5,"start":1135.885,"end":1148.43},{"sentences":[{"text":"No.","start":1157.885,"end":1158.385,"sentiment":"neutral","sentiment_score":-0.12583482265472412},{"text":"I'd I'd have to have a look.","start":1159.965,"end":1161.245,"sentiment":"neutral","sentiment_score":-0.1000146237867219},{"text":"It was we did it about five years, six years ago.","start":1161.245,"end":1164.2849,"sentiment":"neutral","sentiment_score":-0.01956046982245012},{"text":"So when we when we first met.","start":1164.2849,"end":1167.325,"sentiment":"neutral","sentiment_score":0.030815854402525083},{"text":"So I do I do know that my house goes to my kids and the house I'm living with my wife, it goes to this house goes to her kids.","start":1167.325,"end":1175.96,"sentiment":"neutral","sentiment_score":0.08311365296443303}],"sentiment":"neutral","sentiment_score":0.02978603950967746,"num_words":56,"start":1157.885,"end":1175.96},{"sentences":[{"text":"So yeah.","start":1180.9,"end":1181.72,"sentiment":"positive","sentiment_score":0.38080520927906036},{"text":"Yeah.","start":1185.9401,"end":1186.26,"sentiment":"neutral","sentiment_score":0.12954285740852356},{"text":"Yeah.","start":1186.26,"end":1186.76,"sentiment":"neutral","sentiment_score":-0.05145084857940674},{"text":"So the the motor home goes to my kids, the race cars, and my go to my kids, and the rest of the like, my van and Janine's car that she drives goes to her kids.","start":1187.915,"end":1201.215,"sentiment":"neutral","sentiment_score":0.09582107151961988},{"text":"So yeah.","start":1205.53,"end":1206.0901,"sentiment":"positive","sentiment_score":0.5695508271455765}],"sentiment":"neutral","sentiment_score":0.12924672991392158,"num_words":42,"start":1180.9,"end":1206.0901},{"sentences":[{"text":"Yep.","start":1206.0901,"end":1206.5901,"sentiment":"neutral","sentiment_score":0.2840336263179779},{"text":"Yeah.","start":1206.81,"end":1207.31,"sentiment":"neutral","sentiment_score":0.16372936964035034},{"text":"Yes.","start":1227.7001,"end":1228.2001,"sentiment":"neutral","sentiment_score":0.09335696697235107},{"text":"Yeah.","start":1238.9,"end":1239.4,"sentiment":"neutral","sentiment_score":-0.04580783098936081},{"text":"Yeah.","start":1242.1151,"end":1242.6151,"sentiment":"neutral","sentiment_score":-0.0958007350564003}],"sentiment":"neutral","sentiment_score":0.07990227937698365,"num_words":5,"start":1206.0901,"end":1242.6151},{"sentences":[{"text":"Yeah.","start":1260.69,"end":1261.01,"sentiment":"neutral","sentiment_score":-0.051054321229457855},{"text":"Yeah.","start":1261.01,"end":1261.51,"sentiment":"neutral","sentiment_score":-0.04352496191859245},{"text":"Yeah.","start":1262.0499,"end":1262.5499,"sentiment":"neutral","sentiment_score":-0.0501980297267437},{"text":"I just thought that that the cover that that's been provided here, and I'm looking at it now on the computer.","start":1262.77,"end":1268.39,"sentiment":"neutral","sentiment_score":-0.09416147303723153},{"text":"Like, I just thought, why is it that low?","start":1268.77,"end":1272.105,"sentiment":"neutral","sentiment_score":-0.141687649819586}],"sentiment":"neutral","sentiment_score":-0.1029502150009979,"num_words":33,"start":1260.69,"end":1272.105},{"sentences":[{"text":"It's only $48.","start":1272.105,"end":1273.5449,"sentiment":"neutral","sentiment_score":-0.05814360703031222},{"text":"You know, like, like, some of the ones I've been looking at, you know, it might be a dollar a day, and then they got $350.","start":1273.5449,"end":1280.4249,"sentiment":"neutral","sentiment_score":-0.08508016269367474},{"text":"You know what I mean?","start":1280.4249,"end":1281.3049,"sentiment":"neutral","sentiment_score":-0.06726191341876983},{"text":"So Yep.","start":1281.3049,"end":1309.255,"sentiment":"neutral","sentiment_score":-0.038202835246920586},{"text":"Yeah.","start":1309.315,"end":1309.815,"sentiment":"neutral","sentiment_score":0.0010970868170261383}],"sentiment":"neutral","sentiment_score":-0.07562522167289579,"num_words":37,"start":1272.105,"end":1309.815},{"sentences":[{"text":"Yeah.","start":1311.395,"end":1311.7949,"sentiment":"neutral","sentiment_score":0.05910823494195938},{"text":"Yeah.","start":1311.7949,"end":1312.2949,"sentiment":"neutral","sentiment_score":0.07978193461894989},{"text":"Yes.","start":1334.725,"end":1334.965,"sentiment":"neutral","sentiment_score":0.1109832599759102},{"text":"Yes.","start":1334.965,"end":1335.465,"sentiment":"neutral","sentiment_score":0.11840412765741348},{"text":"Yeah.","start":1347.4,"end":1347.72,"sentiment":"neutral","sentiment_score":0.0004634149372577667}],"sentiment":"neutral","sentiment_score":0.07374819442629814,"num_words":5,"start":1311.395,"end":1347.72},{"sentences":[{"text":"Okay.","start":1347.72,"end":1348.22,"sentiment":"neutral","sentiment_score":0.020304862409830093},{"text":"Yeah.","start":1361.245,"end":1361.745,"sentiment":"neutral","sentiment_score":0.1058819144964218},{"text":"Yeah.","start":1379.915,"end":1380.415,"sentiment":"neutral","sentiment_score":0.0938948094844818},{"text":"Yeah.","start":1380.5549,"end":1381.0549,"sentiment":"neutral","sentiment_score":0.09551604837179184},{"text":"Yeah.","start":1387.595,"end":1388.095,"sentiment":"neutral","sentiment_score":0.060667891055345535}],"sentiment":"neutral","sentiment_score":0.07525310516357422,"num_words":5,"start":1347.72,"end":1388.095},{"sentences":[{"text":"Yeah.","start":1406.625,"end":1407.125,"sentiment":"neutral","sentiment_score":-0.0631275475025177},{"text":"Yeah.","start":1413.745,"end":1413.985,"sentiment":"neutral","sentiment_score":0.09026162326335908},{"text":"Yeah.","start":1413.985,"end":1414.385,"sentiment":"neutral","sentiment_score":0.06748262792825699},{"text":"I'm seeing it.","start":1414.385,"end":1415.525,"sentiment":"neutral","sentiment_score":0.013337240243951479},{"text":"Yep.","start":1421.88,"end":1422.38,"sentiment":"neutral","sentiment_score":-0.3113711476325989}],"sentiment":"neutral","sentiment_score":-0.025248960458806584,"num_words":7,"start":1406.625,"end":1422.38},{"sentences":[{"text":"Yeah.","start":1436.9349,"end":1437.4349,"sentiment":"neutral","sentiment_score":-0.061028581112623215},{"text":"Yeah.","start":1438.855,"end":1439.095,"sentiment":"neutral","sentiment_score":-0.11300335079431534},{"text":"Yeah.","start":1439.095,"end":1439.255,"sentiment":"neutral","sentiment_score":-0.05482983589172363},{"text":"Righto.","start":1439.255,"end":1439.755,"sentiment":"neutral","sentiment_score":0.01671658828854561},{"text":"Yeah.","start":1442.455,"end":1442.9349,"sentiment":"neutral","sentiment_score":0.0903298482298851}],"sentiment":"neutral","sentiment_score":-0.024363066256046294,"num_words":5,"start":1436.9349,"end":1442.9349},{"sentences":[{"text":"And look, when you do find come back with like, I'm not I'm not sure what my wife's putting into the super each week.","start":1442.9349,"end":1451.04,"sentiment":"neutral","sentiment_score":0.0053374310955405235},{"text":"I'm not sure, but I I'm quite happy to put more in, like, another $20 a week more in or whatever.","start":1451.04,"end":1457.86,"sentiment":"neutral","sentiment_score":0.15494880364054725},{"text":"You know?","start":1458.48,"end":1458.96,"sentiment":"neutral","sentiment_score":0.07286642864346504},{"text":"So not me.","start":1458.96,"end":1466.865,"sentiment":"neutral","sentiment_score":-0.06428909053405125},{"text":"She's just going to see her mother in hospital.","start":1466.865,"end":1468.885,"sentiment":"neutral","sentiment_score":-0.1484962445166376}],"sentiment":"neutral","sentiment_score":0.033871569623381406,"num_words":59,"start":1442.9349,"end":1468.885},{"sentences":[{"text":"Oh, not hospital, but she gets an injection in her eye, which I don't go and watch.","start":1469.105,"end":1473.185,"sentiment":"neutral","sentiment_score":-0.12797733746907292},{"text":"But no.","start":1473.185,"end":1475.99,"sentiment":"neutral","sentiment_score":-0.10843543335795403},{"text":"No.","start":1476.45,"end":1476.77,"sentiment":"neutral","sentiment_score":-0.14512194693088531},{"text":"So but she would know everything about it.","start":1476.77,"end":1479.5701,"sentiment":"neutral","sentiment_score":-0.06309637613594532},{"text":"So on Wednesday at 05:30, she'll be here anyway.","start":1479.5701,"end":1483.11,"sentiment":"neutral","sentiment_score":0.019361358963780932}],"sentiment":"neutral","sentiment_score":-0.07751692781174505,"num_words":37,"start":1469.105,"end":1483.11},{"sentences":[{"text":"So Yes.","start":1483.17,"end":1490.465,"sentiment":"neutral","sentiment_score":0.07288000360131264},{"text":"Yes.","start":1504.73,"end":1505.23,"sentiment":"neutral","sentiment_score":0.16338017582893372},{"text":"Yes.","start":1507.05,"end":1507.55,"sentiment":"neutral","sentiment_score":0.12712061405181885},{"text":"Yeah.","start":1517.355,"end":1517.855,"sentiment":"neutral","sentiment_score":0.18095041811466217},{"text":"Yeah.","start":1523.2749,"end":1523.6749,"sentiment":"neutral","sentiment_score":0.1723346710205078}],"sentiment":"neutral","sentiment_score":0.13159098103642464,"num_words":6,"start":1483.17,"end":1523.6749},{"sentences":[{"text":"Okay.","start":1523.6749,"end":1524.1749,"sentiment":"neutral","sentiment_score":0.19409966468811035},{"text":"Yes.","start":1530.17,"end":1530.49,"sentiment":"neutral","sentiment_score":0.12229466438293456},{"text":"Yes.","start":1530.49,"end":1530.99,"sentiment":"neutral","sentiment_score":0.08370321989059448},{"text":"Yes.","start":1539.77,"end":1540.27,"sentiment":"neutral","sentiment_score":0.040861815214157104},{"text":"Yes.","start":1566.54,"end":1567.02,"sentiment":"neutral","sentiment_score":0.10240261256694794}],"sentiment":"neutral","sentiment_score":0.10867239534854889,"num_words":5,"start":1523.6749,"end":1567.02},{"sentences":[{"text":"Yep.","start":1567.02,"end":1567.52,"sentiment":"neutral","sentiment_score":0.11588757485151292},{"text":"Yeah.","start":1573.7849,"end":1574.2849,"sentiment":"neutral","sentiment_score":0.002154957503080368},{"text":"Yeah.","start":1576.1849,"end":1576.6849,"sentiment":"neutral","sentiment_score":0.030261505395174023},{"text":"Yeah.","start":1580.4249,"end":1580.745,"sentiment":"neutral","sentiment_score":0.06557437032461166},{"text":"Yeah.","start":1580.745,"end":1580.815,"sentiment":"neutral","sentiment_score":0.06941399723291397}],"sentiment":"neutral","sentiment_score":0.056658481061458585,"num_words":5,"start":1567.02,"end":1580.815},{"sentences":[{"text":"I understand.","start":1580.815,"end":1581.565,"sentiment":"neutral","sentiment_score":0.060789069160819054},{"text":"Yeah.","start":1581.865,"end":1582.365,"sentiment":"neutral","sentiment_score":0.0688086599111557},{"text":"Yep.","start":1598.2401,"end":1598.64,"sentiment":"neutral","sentiment_score":0.07698188722133636},{"text":"Yep.","start":1598.64,"end":1599.14,"sentiment":"neutral","sentiment_score":0.08247537910938263},{"text":"No worries.","start":1599.28,"end":1600.02,"sentiment":"neutral","sentiment_score":0.11228881031274796}],"sentiment":"neutral","sentiment_score":0.08206024074128696,"num_words":7,"start":1580.815,"end":1600.02},{"sentences":[{"text":"Alright.","start":1601.815,"end":1602.135,"sentiment":"neutral","sentiment_score":0.14347681403160095},{"text":"I'm just seeing if I can find out on here where I can see if she's transaction history.","start":1602.135,"end":1608.395,"sentiment":"neutral","sentiment_score":0.0774827388425668},{"text":"See how much she puts in next week.","start":1609.895,"end":1611.895,"sentiment":"neutral","sentiment_score":0.04975406872108579},{"text":"Okay.","start":1611.895,"end":1612.395,"sentiment":"neutral","sentiment_score":0.03585302457213402},{"text":"It's just got here employee employer contributions 5,759.","start":1623.6,"end":1628.72,"sentiment":"neutral","sentiment_score":0.01935999165289104}],"sentiment":"neutral","sentiment_score":0.05908143391004867,"num_words":36,"start":1601.815,"end":1628.72},{"sentences":[{"text":"I'd say that would that be a year?","start":1628.72,"end":1630.5,"sentiment":"neutral","sentiment_score":0.011930557200685143},{"text":"Starting balance, employer contributions, it's just got that.","start":1637.575,"end":1640.855,"sentiment":"neutral","sentiment_score":0.0038457231130450964},{"text":"And then $5,759.52.","start":1640.855,"end":1650.97,"sentiment":"neutral","sentiment_score":0.009670735026399294},{"text":"That was from the 07/01/2025 starting balance.","start":1657.7251,"end":1661.5851,"sentiment":"neutral","sentiment_score":0.027468575962952206},{"text":"Yeah.","start":1666.285,"end":1666.785,"sentiment":"neutral","sentiment_score":0.05199004709720611}],"sentiment":"neutral","sentiment_score":0.014796019497293013,"num_words":27,"start":1628.72,"end":1666.785},{"sentences":[{"text":"Yeah.","start":1668.2051,"end":1668.7051,"sentiment":"neutral","sentiment_score":0.2553744316101074},{"text":"Yeah.","start":1672.78,"end":1673.28,"sentiment":"neutral","sentiment_score":0.07137297093868256},{"text":"Yeah.","start":1673.9,"end":1674.4,"sentiment":"neutral","sentiment_score":0.33205345273017883},{"text":"Yeah.","start":1675.26,"end":1675.76,"sentiment":"positive","sentiment_score":0.3703623414039612},{"text":"Yeah.","start":1676.46,"end":1676.96,"sentiment":"positive","sentiment_score":0.36622583866119385}],"sentiment":"neutral","sentiment_score":0.2790778070688248,"num_words":5,"start":1668.2051,"end":1676.96},{"sentences":[{"text":"No worries.","start":1684.1951,"end":1684.8551,"sentiment":"neutral","sentiment_score":0.17758875340223312},{"text":"Cool.","start":1684.995,"end":1685.495,"sentiment":"positive","sentiment_score":0.630224347114563},{"text":"No worries.","start":1689.9551,"end":1690.515,"sentiment":"neutral","sentiment_score":0.20985880494117737},{"text":"Thanks a lot.","start":1690.515,"end":1691.235,"sentiment":"positive","sentiment_score":0.6075495481491089},{"text":"Talk to you soon.","start":1691.235,"end":1692.135,"sentiment":"neutral","sentiment_score":0.23467028513550758}],"sentiment":"positive","sentiment_score":0.3472041040658951,"num_words":12,"start":1684.1951,"end":1692.135},{"sentences":[{"text":"Alright.","start":1692.995,"end":1693.495,"sentiment":"positive","sentiment_score":0.4089337289333343},{"text":"Yeah.","start":1693.9551,"end":1694.275,"sentiment":"neutral","sentiment_score":0.1811214983463287},{"text":"You too.","start":1694.275,"end":1694.755,"sentiment":"neutral","sentiment_score":0.19157417863607407},{"text":"Bye bye.","start":1694.755,"end":1695.415,"sentiment":"neutral","sentiment_score":0.1364099457859993},{"text":"Bye.","start":1695.875,"end":1696.375,"sentiment":"neutral","sentiment_score":0.09554224461317062}],"sentiment":"neutral","sentiment_score":0.19165224581956863,"num_words":7,"start":1692.995,"end":1696.375}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hello?\n\nChannel 1: Hey. How are you doing?\n\nChannel 0: Good. I just tripped on my arm, like, app.\n\nChannel 1: Did you get Rob's details through?\n\nChannel 0: Yes. Rob Flint, Robert.\n\nChannel 1: Yep. That's him. Yeah. Lovely guy. Very cruisy.\n\nI've booked him in for Wednesday at 05:30. He's got the day off. He's only working four days a week now. They've wound the business back from five days to four, so he gets Fridays off. But, yeah, he's cool.\n\nHe's keen to see what he can do to try and get it working better. A little bit conservative with some of his answers, but also doesn't know a lot, doesn't understand a lot. So I was just trying to walk him through the questions and and make him comfortable. But, yeah, he's open to advice.\n\nChannel 0: Cool.\n\nChannel 1: Lovely. Alright. We'll just grab him for you.\n\nChannel 0: Amazing.\n\nChannel 1: Cheers. Thanks for holding. That's alright. I've got Larissa on the line. As I said, she's one of the senior advisers with that's gonna work on the plan.\n\nYep. So she'll just have a quick chat, get to work on the plan, and then I will chat with you on Wednesday night. No worries, mate. Thank you. No worries.\n\nYou have a good weekend. Yeah. You too, mate. Thank you. Thanks, mate.\n\nBye.\n\nChannel 0: Hi, Rob. How are you going?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: That's good. So as it's been explained, I'm one of the financial advisers with o two Financial. And I guess my whole role and what I do is I work individually and independently for each of my clients that I speak with. And I guess the reason for that is is purely and easily is that each of my clients are independent, and each of my clients have different goals. Now\n\nChannel 1: Yes.\n\nChannel 0: I know that you've worked really hard on giving a lot of information to my team already,\n\nChannel 1: Yes.\n\nChannel 0: and I really appreciate that. But what this conversation is is it's just a chance for me to get to know you a little bit better to understand and make sure that I'm I am heading in the right direction, make\n\nChannel 1: Yes.\n\nChannel 0: sure that\n\nChannel 1: Yes.\n\nChannel 0: I am prioritizing the goals that you're prioritizing.\n\nChannel 1: Yes.\n\nChannel 0: Now that being said, I understand that at the moment, you have a guess a bit of a personal goal that you're looking to try and, I guess, recover post a bit of a shoulder injury.\n\nChannel 1: Yeah. That's right. Yeah. I'm I'm still on light duty, but I've got I've got a guy helping me at the moment, so that's all good. So we're still good bringing the money in and everything like that.\n\nSo that's not affecting wages or anything, which has been great. So\n\nChannel 0: Good. Perfect. And I guess shoulder injury wise, are you going okay?\n\nChannel 1: Yeah. Again, healing well. I had surgery about to put two tendons back on my shoulder about nearly seven weeks ago now, and everything's everything's good now. So it's just healing and, yeah, I'm out of the thing now and starting to use it a bit\n\nChannel 0: Good.\n\nChannel 1: better now. So it's good.\n\nChannel 0: Fantastic. That's very good. And, I guess, outside of that, a lot of your goals do center around, I guess, like, your retirement and where you're going to head with respect to, you know, your work life, which is great. Now I just did wanna ask. You had a retirement age of 65.\n\nCan I ask why that's the age you selected?\n\nChannel 1: It's well, I'd like to retire a lot earlier. But\n\nChannel 0: Always.\n\nChannel 1: I don't think my income will be right or anything. So, you know, look, we got other things in place. We got don't like talking about it. We got inheritance coming our way and stuff like that, so we don't have to worry about it too much. But, really, I just wanna try and do what I've got by myself and everything like that trying to get it up.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Of\n\nChannel 1: if\n\nChannel 0: course.\n\nChannel 1: you know.\n\nChannel 0: No. Alright. So the the reason I ask is a a lot of people focus on 65 or 67 as retirement age because that's the age that, like, their superannuation becomes accessible or the age pension becomes accessible.\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Whereas your super actually becomes accessible at age 60, it's just restricted a little bit. So that's that's that's where people, I guess, get a little bit confused.\n\nChannel 1: Yeah.\n\nChannel 0: Outside\n\nChannel 1: Yeah. I'm I I've got a guy that's just retired, a mate of mine, and he's been able to get his super invested in other ways. So but he just couldn't take it out. It had to be invested in something else or something. So\n\nChannel 0: yeah. Yeah. And look. Realistically for yourself, you're you're still, unfortunately, to say, it's still a few years away from\n\nChannel 1: Yeah.\n\nChannel 0: being able to to access it. So we're sort of you just turned 54. So, yeah, you're six you're six years away from 60, which means you're six years away from being able to have some fun with tax. Because\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: once we turn 60, we can do some fun tax stuff. But in the meantime, we can definitely get it working for you in a way that's beneficial to help out most certainly.\n\nChannel 1: Yeah.\n\nChannel 0: Now you've quoted $700 a week in income. Can I ask why that figure? Because currently, your income would be about the 1,100 ish mark.\n\nChannel 1: Yeah. That's about right. Yeah. We've we've looked once we've paid off all our debts, like, we've I've still got $70 to go in our house and even though we got renters in there at the moment and everything's fine, it's just that we're still building up what we have here. Like, I've got old school cars too.\n\nI've got Taranis and everything like that. So we're\n\nChannel 0: Yeah.\n\nChannel 1: still trying to build one of those eventually, and then I can sell them when I'm retired. You know what I mean? Sort of thing. So yeah. So we're just putting few things in place that we've worked out that if we can if I can get $700 a week, that that that's probably what I'll need.\n\nSo\n\nChannel 0: Yeah. No. That's absolutely okay. That's perfect. So you've you've got a justification to why it is.\n\nAnd I guess the great thing is is, like, you have investment property already.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So you've got a bit of residual income coming in there for the two of you outside of\n\nChannel 1: Yes.\n\nChannel 0: what you already have. Yeah. Good. Perfect. Now we have a goal to try and get the debt all paid off within the next five years.\n\nThe investment property, are we well and truly on track to do that, or do we want\n\nChannel 1: Yeah.\n\nChannel 0: some,\n\nChannel 1: Well,\n\nChannel 0: I guess,\n\nChannel 1: I've got\n\nChannel 0: auditing? Yep.\n\nChannel 1: we've got $70.76 to go. I should pay that off within a year and a half or a year or something. Well, I forget how my wife's working out. So but yeah.\n\nChannel 0: She's got you well on track to get it paid off sooner rather than later.\n\nChannel 1: Yeah. Yeah. Yeah. So but so we're I've remarried with this new lady I've got. We've been with each other nearly eight years.\n\nShe's got a house. She's already paid it off. I've nearly paid mine off, and we own all our vehicles and everything like that. So\n\nChannel 0: Okay. That's absolutely okay. Well, that's I mean, that's good. So, like, there's two properties that you you own.\n\nChannel 1: Yep.\n\nChannel 0: We're living in the we're living in the home that's fully paid off, but\n\nChannel 1: Yeah.\n\nChannel 0: then the investment property\n\nChannel 1: Yeah. The investment\n\nChannel 0: like\n\nChannel 1: property, which is mine, comes from a previous marriage. I I'm still paying that one off. Yeah. So\n\nChannel 0: okay. No. That's okay. That's\n\nChannel 1: and and\n\nChannel 0: okay.\n\nChannel 1: it's\n\nChannel 0: Alright.\n\nChannel 1: been rented.\n\nChannel 0: So,\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So it was it they your the investment property was your primary residence, and now it it's turned to investment.\n\nChannel 1: That's correct. Yes. Yes.\n\nChannel 0: Yeah. Alright. Perfect. No. That's okay.\n\nCool. Cool. No. That's good. So we've because we came into the relationship with the house each, we we now have an investment.\n\nI love it. That's\n\nChannel 1: Yeah.\n\nChannel 0: fantastic.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: See? Sometimes sometimes splitting can make things\n\nChannel 1: Yeah.\n\nChannel 0: easy.\n\nChannel 1: Oh, it worked out quite well because it didn't work the last time.\n\nChannel 0: Sometimes the first go doesn't work. Try again.\n\nChannel 1: No. That's alright.\n\nChannel 0: No. That's fantastic. And then I know that we're wanting to we're wanting to travel camps. We're wanting\n\nChannel 1: Yes.\n\nChannel 0: to to go and do just just do life,\n\nChannel 1: Yeah. That's right.\n\nChannel 0: which is good. That's perfect. Now I did wanna ask because you did raise it. You\n\nChannel 1: Yeah.\n\nChannel 0: did say inheritance. May I ask\n\nChannel 1: Yeah.\n\nChannel 0: where that comes from? You don't have\n\nChannel 1: My\n\nChannel 0: to know\n\nChannel 1: father.\n\nChannel 0: anything.\n\nChannel 1: Yeah. My father. He's he's 86, but, I mean, in ten years' time, he'd be 96. And I don't know whether he'll be that old. I\n\nChannel 0: Yep.\n\nChannel 1: hope he's but in ten years, yeah. So my sister sorry. My sister and I I do say there'll be a fair bit of money. Dad dad was very high in investing money from an early age, and he's a\n\nChannel 0: Yes.\n\nChannel 1: self funded retiree. So so he's done pretty well for himself. So yeah. Look. Like, I don't like talking about it, but it's it's it's it's it's fact that it will happen Monday.\n\nSo that's we're just it's just a a waiting game. And so and my wife as well. She's got inheritance coming her way. Probably not as much as I have, but but we will all accumulate together. We we're trying to see eventually, I'll probably sell my house because of the return on it, which is, say, $20 a year.\n\nI'm thinking of when I do sell it, put the money into an investment like just in a a term deposit, and it's and if I put it in there now, it's a 4.95%,\n\nChannel 0: Yep.\n\nChannel 1: which is $31,000 a year. Well, that's half a wage. So it's so there's a start there, everything like that. So if you can just do those sort of investments and we get some from super blah blah blah. We we should be pretty well right.\n\nChannel 0: Like, we could. So the the options around the investment property are pretty wide. Like, yeah, the property's generating an an income of, like, $20. So,\n\nChannel 1: Yep.\n\nChannel 0: yes, it's not massive. And with that income, like, there's all all the headaches that can come from having a property. Right?\n\nChannel 1: Yes.\n\nChannel 0: You know? Because you've you've got like, it pays $650 a week, but, you know, you've got your your rental agents. You have them calling you. You have, you know,\n\nChannel 1: Yep.\n\nChannel 0: the rates and the water connection fee. And if the tent like, in the insurance and if the tenant break anything or damage anything, it's it's all of the the tasks that come along with having a property.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you don't want that headache, then 100%, we can look at selling it. The painful part is is that because it's an investment property, there could be capital gains tax on it. You've\n\nChannel 1: Yeah.\n\nChannel 0: lived in\n\nChannel 1: I'll\n\nChannel 0: the property\n\nChannel 1: be right\n\nChannel 0: previously,\n\nChannel 1: back.\n\nChannel 0: which is good,\n\nChannel 1: Yeah.\n\nChannel 0: but the capital gains tax is gonna hit. Now there's a few things that we can do with it to make sure that we pay as little capital gains as possible. I\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: would not recommend selling it right this second while you're working.\n\nChannel 1: Yeah.\n\nChannel 0: The way capital gains works is the gain is added to your taxable income, and you are taxed on that highable taxable income. So because\n\nChannel 1: Because\n\nChannel 0: you're earning,\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: earning\n\nChannel 0: know,\n\nChannel 1: money.\n\nChannel 0: you're earning money, it means that that could push you into a new bracket. Because you own this property 100% by yourself,\n\nChannel 1: Yes.\n\nChannel 0: it's your income to earn, and it's not gonna be spread across your partners, which means that we can't decrease the the, the income or the taxes from that. What\n\nChannel 1: Yeah.\n\nChannel 0: we can do is wait until you're pretty much at retirement age or wait until, you know, we're nearly ready to retire and have a bit of a conversation just before you retire about whether it's more beneficial to sell the property before you hang up the hat\n\nChannel 1: Yes.\n\nChannel 0: and use a few tax saving offset methodologies to reduce the tax or whether we wait until you finish working like, wait until you retire, then sell the property and just cut the capital gains at that's a lower rate because you it'll you know, the capital gain will be just considered whatever, you know, will be your income.\n\nChannel 1: Yeah.\n\nChannel 0: So it'll be a bit of a, you know, wait and see type of game that we talk about sort of, you know, six to twelve months before you're ready to retire so we can kinda\n\nChannel 1: Yep.\n\nChannel 0: play around with the numbers figures and figure out what we are and aren't doing at that time.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: There's definitely nothing wrong with selling that property if you don't wanna deal with the, you know, the having that extra property.\n\nChannel 1: Yeah. I understand you. Yep.\n\nChannel 0: All the alternative is that you could sell the home you guys live in if you are if you're amenable or you're you're willing to do that. Sell the property you guys are in, pay no capital gains on that, and then move into the investment property.\n\nChannel 1: Yeah. Right.\n\nChannel 0: There's always that as well. It just depends on whether you, you know, have a preference for which\n\nChannel 1: Yep.\n\nChannel 0: property you wanna live in or if there's anything\n\nChannel 1: Yep.\n\nChannel 0: around side.\n\nChannel 1: So if if if I can move back in there, how long do I\n\nChannel 0: Yeah.\n\nChannel 1: gotta live? Do you know how long I'm gonna live in there before I can sell it? Or\n\nChannel 0: Twelve months.\n\nChannel 1: twelve months. Yeah. Righto. Yep.\n\nChannel 0: Have to be considered your primary place of residence?\n\nChannel 1: Yeah. Righto. Yep.\n\nChannel 0: Yep.\n\nChannel 1: No problem.\n\nChannel 0: And then\n\nChannel 1: My\n\nChannel 0: we\n\nChannel 1: son's living in there actually at the moment. So\n\nChannel 0: so close.\n\nChannel 1: yeah. Yeah. Yeah. So now it's it's they're they're going quite well. So it's good.\n\nChannel 0: Good. Okay. So it's it's in the family, and he's probably looking after it pretty well anyway.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. So no.\n\nChannel 0: Could\n\nChannel 1: That's\n\nChannel 0: you get\n\nChannel 1: okay. Alright.\n\nChannel 0: more could you get more for the property if you put it on open market? Like, if you if you weren't renting to your kid.\n\nChannel 1: I'd probably get more return on it if I was renting it to someone else yet because I'm not charging my son a hell of a lot of money. Well, I\n\nChannel 0: Yeah.\n\nChannel 1: could be getting around 500 a week, but it's at $3.60 a week at the moment. So that's the reason why I said I'd I'd sell it is because they're planning on buying it. That if I if I bought it at with what you're saying, I'd probably buy another property.\n\nChannel 0: Yes. You could buy another property. We could like, if they they're planning on buying that property, we could just let that property go. Let, like, let them buy it, and then\n\nChannel 1: Yeah.\n\nChannel 0: we could invest the money in different ways. We can pop it into your superannuation\n\nChannel 1: Yeah.\n\nChannel 0: fund. We could set up what's called, like, an investment account so the money stays accessible to you.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Right.\n\nChannel 0: There there are a few different options. It just depends on whether you want some people get to retirement, and they've had investment properties their whole life. They retire, and they just sell all the investment properties up because they don't\n\nChannel 1: Yep.\n\nChannel 0: wanna deal with the headache of having to deal with the real estate, the renters, the contacts, the everything.\n\nChannel 1: Yeah.\n\nChannel 0: They wanna go off grid,\n\nChannel 1: Yeah.\n\nChannel 0: and they don't wanna deal with the\n\nChannel 1: Yep.\n\nChannel 0: crap that comes from having an investment\n\nChannel 1: Yeah. I\n\nChannel 0: property.\n\nChannel 1: understand you. Yep.\n\nChannel 0: Whereas other people are more than happy to have the investment property. You know? They check-in on it once every three months. Things run smoothly, and it's not, you know, an issue for them.\n\nChannel 1: Yep.\n\nChannel 0: It's\n\nChannel 1: Yep.\n\nChannel 0: it's really personal preference when it comes to, like, I guess, the asset that you hold. Some people\n\nChannel 1: Yeah.\n\nChannel 0: prefer stock and shares because, well, the stocks and shares don't really talk back versus an\n\nChannel 1: Yeah.\n\nChannel 0: investment property you have to deal with your renters and your real estate and the dishwasher broke and\n\nChannel 1: Yeah.\n\nChannel 0: the fence is falling apart and whatever else comes from it.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah. So it it could be something we definitely talk about down the line. It doesn't have to be, like, a today conversation on where we go, but\n\nChannel 1: Yeah.\n\nChannel 0: we can definitely, I guess, keep keep up with it as we we move through.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: That's\n\nChannel 0: cool.\n\nChannel 1: fine. So what's what's your company called?\n\nChannel 0: Oakview, o a k v I e w.\n\nChannel 1: OAK. OAK. OAK View, was it?\n\nChannel 0: Yeah. Like like a oak\n\nChannel 1: Yep.\n\nChannel 0: tree, the oak\n\nChannel 1: Yep.\n\nChannel 0: view.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. No worries. Okay.\n\nChannel 0: And now\n\nChannel 1: Cool.\n\nChannel 0: I did want to just, I guess, touch on you have your ART or your Australian Retirement Trust Fund that currently has\n\nChannel 1: Yeah.\n\nChannel 0: insurance inside of it. You\n\nChannel 1: Yeah.\n\nChannel 0: have life and TPD or life and, I guess, total and permanent disability insurance.\n\nChannel 1: Yeah.\n\nChannel 0: Are those amounts enough for you? Are those amounts are you\n\nChannel 1: I\n\nChannel 0: comfortable\n\nChannel 1: I really\n\nChannel 0: with them?\n\nChannel 1: didn't know anything about it until we looked on it a few couple of years ago.\n\nChannel 0: Yes.\n\nChannel 1: He said, you got you got cover here. I said, what's wrong? I never I don't remember ever getting it. So yeah. So I I I don't didn't know it's well, it's not really a lot of money, so\n\nChannel 0: Yeah.\n\nChannel 1: I'm probably\n\nChannel 0: No. It\n\nChannel 1: inclined to get rid of it. I don't know.\n\nChannel 0: it's it's $48. So what would happen is if she passed away tomorrow, touch wood,\n\nChannel 1: Yes.\n\nChannel 0: $48,000 would be paid from the insurer into ART fund, which would\n\nChannel 1: Yes.\n\nChannel 0: basically turn your, you know, balance of you know, you've got $8,086,000 and nearly 87,000. That\n\nChannel 1: Yes.\n\nChannel 0: would turn that basically into nearly a 135. Right? So that 100\n\nChannel 1: Yes.\n\nChannel 0: and 35,000 is then paid out to your beneficiary.\n\nChannel 1: Yes.\n\nChannel 0: Your beneficiary is then able to pay out the debts or have a sufficient balance to be able to support, you know, themselves.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: It just depends on what you're wanting to achieve with that benefit. Like, if your beneficiary, for example, was your partner, that money is sufficient to pay out the investment property. You know, your partner then has two investment properties oh, sorry. An investment property plus the home, the motor home, the race cars, the vans, the, you know, whatever else\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: left to her or however your will because I understand you do have a will in place. However, your will kind\n\nChannel 1: Yeah.\n\nChannel 0: of spaces that up. So whether\n\nChannel 1: Yes.\n\nChannel 0: the investment\n\nChannel 1: Yeah.\n\nChannel 0: property goes give your son or whatever,\n\nChannel 1: Yep.\n\nChannel 0: you know, those assets are all able to be divvied up the way they need to.\n\nChannel 1: Yep.\n\nChannel 0: Realistically, you know, can I ask, like, do you know how your will is set up? Do you remember?\n\nChannel 1: No. I'd\n\nChannel 0: No.\n\nChannel 1: I'd\n\nChannel 0: Did you\n\nChannel 1: have to\n\nChannel 0: pretend?\n\nChannel 1: have a look. It was we did it about five years, six years ago. So\n\nChannel 0: Okay.\n\nChannel 1: when we when we first met. So I do I do know that my house goes to my kids and the house I'm living with my wife, it goes to this house goes to her kids.\n\nChannel 0: Cool. Good. Alright. So your kids are gonna end up with a house, which is great.\n\nChannel 1: So yeah.\n\nChannel 0: And then there's this car, the motor home, the race car, the vans, the everything else.\n\nChannel 1: Yeah. Yeah. So the the motor home goes to my kids, the race cars, and my go to my kids, and the rest of the like, my van and Janine's car that she drives goes to her kids.\n\nChannel 0: Yeah. I so things are nicely spread and split, which is\n\nChannel 1: So\n\nChannel 0: good.\n\nChannel 1: yeah. Yep. Yeah.\n\nChannel 0: It's just a matter of, I guess, just figuring out what what you wanna do with, like, the the super benefit. What is it achieving? You know? If your kids are gonna get a pretty much a fully paid off house, then worst case scenario, they sell it, and they walk away with a decent 350,000 each,\n\nChannel 1: Yes.\n\nChannel 0: or whether, you know, you want the extra benefit to go to them. Because currently, you know, you're paying you're paying for the insurance. The same as\n\nChannel 1: Yeah.\n\nChannel 0: any insurance policy that we have, we pay for it. If you\n\nChannel 1: Yeah.\n\nChannel 0: feel as though it's not really giving you a benefit, then, you know, we can definitely get rid of it. It's just a matter of understanding the risks that if you don't have that insurance in place, there's no extra benefit for the family. And in the event you're never able to work again, it's $48,000 that you don't receive.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: It's\n\nChannel 1: I just\n\nChannel 0: not a\n\nChannel 1: thought\n\nChannel 0: lot.\n\nChannel 1: that that the cover that that's been provided here, and I'm looking at it now on the computer. Like, I just thought, why is it that low? It's only $48. You know, like, like, some of the ones I've been looking at, you know, it might be a dollar a day, and then they got $350. You know what I mean?\n\nSo\n\nChannel 0: Yeah. It the insurers within Superfunds, once you hit a certain age, it's basically a bell curve. So when we're, you know, 16 and starting out, we don't need insurance. When we hit 25, that's the magical age that they determine that we need insurance. Now me at 25, I had a five year old, so I definitely needed insurance for 25.\n\nBut, again, insurers magically decide that that's the age that we need children.\n\nChannel 1: Yep.\n\nChannel 0: Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: We need insurance.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now from there, it basically bell curves all the way up until we hit about 42 because that is, again, the age that insurers have determined that we've got our life together and that we're starting to pay our debts down and that everything is, you know, going well. From that point, it starts going the benefit starts dropping.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And the older we get, the less insurance we have. And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim on.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: That is the standardized rule that they put in place, but not everyone's life runs that way. I have people that are in their well and truly into their fifties that still have hundreds of thousands of dollars worth of debt. I\n\nChannel 1: Yeah.\n\nChannel 0: have people that are in their forties that have no debt at all. And like I said, I have quite a number of clients that are in their early twenties that have children that do need insurance because if anything does happen to those kids or it happens to them, they need to make sure that the kids are kids are covered and protected.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So it's a rule of thumb guide that the insurers use within the super funds because it's group insurance. It's just grouped\n\nChannel 1: Yeah.\n\nChannel 0: as a as a policy. This is what we've set up, and this is what you And it's not it's not meant to fit everyone. And, unfortunately, if you don't look into it, if you don't look at the product disclosure statement, you don't know about it. If you don't pay attention, you don't know about it. And a lot of people don't.\n\nChannel 1: Yeah.\n\nChannel 0: They just go, well, my super fund's always gonna be there. It's fine. I'll just, you know, let it ride.\n\nChannel 1: Yeah. Yeah. I'm seeing it.\n\nChannel 0: So I will have a look at it, and I will start running some figures and numbers and see where it lands us. If the insurance is\n\nChannel 1: Yep.\n\nChannel 0: realistically not gonna make a dent in your overall financial position, I will recommend we cancel it. If I can find a policy that's gonna work for you that's gonna be nice and cheap and give you what you could possibly need, then\n\nChannel 1: Yeah.\n\nChannel 0: I'll recommend that. I don't see\n\nChannel 1: Yeah. Yeah. Righto.\n\nChannel 0: a great need for insurance, so I'm gonna be completely frank.\n\nChannel 1: Yeah. And look, when you do find come back with like, I'm not I'm not sure what my wife's putting into the super each week. I'm not sure, but I I'm quite happy to put more in, like, another $20 a week more in or whatever. You know? So\n\nChannel 0: Are you able to find out what she does put into the fund?\n\nChannel 1: not me. She's just going to see her mother in hospital. Oh, not hospital, but she gets an injection in her eye, which I don't go and watch. But\n\nChannel 0: No. I would\n\nChannel 1: no. No. So but she would know everything about it. So on Wednesday at 05:30, she'll be here anyway. So\n\nChannel 0: okay. Well, what I can do is I'll run the figures and have a have a look.\n\nChannel 1: Yes.\n\nChannel 0: What I can base it on is basing it on, like, the standardized 12%. So if you were to put 12% of your income into the super fund, which is the standardized regulatory rate,\n\nChannel 1: Yes.\n\nChannel 0: I'll base it on that. And\n\nChannel 1: Yes.\n\nChannel 0: then I'll also show in the documentation, yes, if you were to put nothing in. So that way, we've got a basis for nothing versus the legal rate, and I'll make a recommendation on\n\nChannel 1: Yeah.\n\nChannel 0: what you would need to make sure you're putting in to make sure you're hitting your your desired goal. So making\n\nChannel 1: Yeah.\n\nChannel 0: sure that\n\nChannel 1: Okay.\n\nChannel 0: we're actually retiring by the age of 65 and we have a good income of, you know, $700 a week.\n\nChannel 1: Yes. Yes.\n\nChannel 0: K. And I will exclude for now, I will exclude, obviously, the investment property, and I will exclude any inheritance and anything like that. Obviously,\n\nChannel 1: Yes.\n\nChannel 0: if we decide to sell the investment well, you know, we sell the investment property and we have a lump sum amount that we wanna play with and do something with, that'll come into play. And if or when the inheritance does eventually trickle through, we can obviously consider that, and that may mean, you know, we're able to back off on you know, putting as much into the super fund or, you know, we can take maybe a little bit more of a conservative position\n\nChannel 1: Yes.\n\nChannel 0: overall\n\nChannel 1: Yep.\n\nChannel 0: to the investment structure. Oh, don't get me wrong. You're not exactly a conservative investor, and you still got\n\nChannel 1: Yeah.\n\nChannel 0: time to be able to invest, but\n\nChannel 1: Yeah.\n\nChannel 0: I will look at making sure that we are protecting the assets you've built.\n\nChannel 1: Yeah. Yeah. I understand. Yeah.\n\nChannel 0: So yeah. So I'll I'll crack into things and start researching everything. And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well.\n\nChannel 1: Yep. Yep. No worries.\n\nChannel 0: Okay.\n\nChannel 1: Alright. I'm just seeing if I can find out on here where I can see if she's transaction history. See how much she puts in next week. Okay. It's just got here employee employer contributions 5,759.\n\nI'd say that would that be a year?\n\nChannel 0: That that should be across the year, I would assume, unless you're looking at the cash statement.\n\nChannel 1: Starting balance, employer contributions, it's just got that. And then\n\nChannel 0: What was it? 5,790, did you say?\n\nChannel 1: $5,759.52.\n\nChannel 0: Alright. Perfect. That's okay. And I'm assuming that's the last year?\n\nChannel 1: That was from the 07/01/2025 starting balance.\n\nChannel 0: Okay. 07/01/2025. Alright. So that's what we've contributed so far. $5.07 5\n\nChannel 1: Yeah.\n\nChannel 0: $9.52. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I will I can I can work on that? That's fine. So that's pro rata\n\nChannel 1: Yeah.\n\nChannel 0: for this year. That's\n\nChannel 1: Yeah.\n\nChannel 0: easy. Fantastic.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. I can I can I can do the math on that and figure out how much he's paying? That's\n\nChannel 1: No worries.\n\nChannel 0: easy.\n\nChannel 1: Cool.\n\nChannel 0: Perfect. Alright. Well, I will let you go, and I will talk to you again on Wednesday.\n\nChannel 1: No worries. Thanks a lot. Talk to you soon.\n\nChannel 0: Not a problem, Rob. Have a great\n\nChannel 1: Alright.\n\nChannel 0: weekend.\n\nChannel 1: Yeah. You too. Bye bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.4,"end":4.48,"sentiment":"neutral","sentiment_score":0.01969662308692932},{"text":"Hello?","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.019272789359092712}],"sentiment":"neutral","sentiment_score":0.019484706223011017,"channel":1,"num_words":2,"start":4.4,"end":4.98},{"sentences":[{"text":"Hello?","start":5.8399997,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.029068127274513245}],"sentiment":"neutral","sentiment_score":0.029068127274513245,"channel":0,"num_words":1,"start":5.8399997,"end":6.3399997},{"sentences":[{"text":"Hey.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.07994355261325836},{"text":"How are you 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Robert.","start":19.814999,"end":21.275,"sentiment":"neutral","sentiment_score":-0.0018260697834193707}],"sentiment":"neutral","sentiment_score":-0.0007540065562352538,"channel":0,"num_words":4,"start":19.414999,"end":21.275},{"sentences":[{"text":"Yep.","start":21.275,"end":21.775,"sentiment":"neutral","sentiment_score":0.035486429929733276},{"text":"That's him.","start":21.914999,"end":22.814999,"sentiment":"neutral","sentiment_score":0.03912188671529293},{"text":"Yeah.","start":23.515,"end":23.994999,"sentiment":"neutral","sentiment_score":0.15531407296657562},{"text":"Lovely guy.","start":23.994999,"end":24.974998,"sentiment":"neutral","sentiment_score":0.2613397091627121},{"text":"Very cruisy.","start":25.82,"end":26.64,"sentiment":"negative","sentiment_score":-0.3456507474184036}],"sentiment":"neutral","sentiment_score":0.012552774976938963,"channel":1,"num_words":8,"start":21.275,"end":26.64},{"sentences":[{"text":"I've booked him in for Wednesday at 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some of his answers, but also doesn't know a lot, doesn't understand a lot.","start":43.235,"end":48.595,"sentiment":"neutral","sentiment_score":-0.1543362709252458},{"text":"So I was just trying to walk him through the questions and and make him comfortable.","start":48.595,"end":52.695,"sentiment":"neutral","sentiment_score":0.057492805644869804},{"text":"But, yeah, he's open to 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worries.","start":82.22,"end":82.700005,"sentiment":"neutral","sentiment_score":0.19879678636789322}],"sentiment":"neutral","sentiment_score":0.15984367314846284,"channel":1,"num_words":31,"start":74.115005,"end":82.700005},{"sentences":[{"text":"You have a good weekend.","start":82.700005,"end":83.68,"sentiment":"positive","sentiment_score":0.4055467665195465},{"text":"Yeah.","start":83.82,"end":84.06,"sentiment":"neutral","sentiment_score":0.1491423100233078},{"text":"You too, mate.","start":84.06,"end":84.700005,"sentiment":"neutral","sentiment_score":0.19239062070846558},{"text":"Thank you.","start":84.700005,"end":85.26,"sentiment":"positive","sentiment_score":0.37060314416885376},{"text":"Thanks, 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whole role and what I do is I work individually and independently for each of my clients that I speak with.","start":99.68,"end":106.82,"sentiment":"neutral","sentiment_score":0.14542097836732865},{"text":"And I guess the reason for that is is purely and easily is that each of my clients are independent, and each of my clients have different goals.","start":107.44,"end":116.275,"sentiment":"neutral","sentiment_score":0.16895450917737825},{"text":"Now","start":116.735,"end":117.235,"sentiment":"neutral","sentiment_score":0.18312664330005649}],"sentiment":"neutral","sentiment_score":0.15886112313035508,"channel":0,"num_words":71,"start":91.615,"end":117.235},{"sentences":[{"text":"Yes.","start":117.25,"end":117.75,"sentiment":"neutral","sentiment_score":0.20816493034362793}],"sentiment":"neutral","sentiment_score":0.20816493034362793,"channel":1,"num_words":1,"start":117.25,"end":117.75},{"sentences":[{"text":"I know that you've worked really hard on giving a lot of information to my 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starts going the benefit starts dropping.","start":1329.88,"end":1333.98,"sentiment":"neutral","sentiment_score":-0.0321832112967968}],"sentiment":"neutral","sentiment_score":0.10987061047452991,"channel":0,"num_words":59,"start":1312.4951,"end":1333.98},{"sentences":[{"text":"Yes.","start":1334.725,"end":1334.965,"sentiment":"neutral","sentiment_score":0.1109832599759102},{"text":"Yes.","start":1334.965,"end":1335.465,"sentiment":"neutral","sentiment_score":0.11840412765741348}],"sentiment":"neutral","sentiment_score":0.11469369381666183,"channel":1,"num_words":2,"start":1334.725,"end":1335.465},{"sentences":[{"text":"And the older we get, the less insurance we have.","start":1335.205,"end":1338.1649,"sentiment":"neutral","sentiment_score":-0.060372525453567506},{"text":"And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim 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rule that they put in place, but not everyone's life runs that way.","start":1348.63,"end":1353.37,"sentiment":"neutral","sentiment_score":-0.016256358912762475},{"text":"I have people that are in their well and truly into their fifties that still have hundreds of thousands of dollars worth of debt.","start":1353.9099,"end":1360.49,"sentiment":"neutral","sentiment_score":-0.11583000576744477},{"text":"I","start":1361.1749,"end":1361.255,"sentiment":"neutral","sentiment_score":0.08505860716104507}],"sentiment":"neutral","sentiment_score":-0.07074332458987123,"channel":0,"num_words":42,"start":1348.63,"end":1361.255},{"sentences":[{"text":"Yeah.","start":1361.245,"end":1361.745,"sentiment":"neutral","sentiment_score":0.1058819144964218}],"sentiment":"neutral","sentiment_score":0.1058819144964218,"channel":1,"num_words":1,"start":1361.245,"end":1361.745},{"sentences":[{"text":"have people that are in their forties that have no debt at 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everything.","start":1584.1299,"end":1587.645,"sentiment":"neutral","sentiment_score":0.09724824354052544},{"text":"And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well.","start":1587.645,"end":1598.145,"sentiment":"neutral","sentiment_score":0.09978735735339503}],"sentiment":"neutral","sentiment_score":0.09734629042619883,"channel":0,"num_words":43,"start":1583.6499,"end":1598.145},{"sentences":[{"text":"Yep.","start":1598.2401,"end":1598.64,"sentiment":"neutral","sentiment_score":0.07698188722133636},{"text":"Yep.","start":1598.64,"end":1599.14,"sentiment":"neutral","sentiment_score":0.08247537910938263},{"text":"No worries.","start":1599.28,"end":1600.02,"sentiment":"neutral","sentiment_score":0.11228881031274796}],"sentiment":"neutral","sentiment_score":0.09600872173905373,"channel":1,"num_words":4,"start":1598.2401,"end":1600.02},{"sentences":[{"text":"Okay.","start":1601.48,"end":1601.98,"sentiment":"neutral","sentiment_score":0.1172269955277443}],"sentiment":"neutral","sentiment_score":0.1172269955277443,"channel":0,"num_words":1,"start":1601.48,"end":1601.98},{"sentences":[{"text":"Alright.","start":1601.815,"end":1602.135,"sentiment":"neutral","sentiment_score":0.14347681403160095},{"text":"I'm just seeing if I can find out on here where I can see if she's transaction history.","start":1602.135,"end":1608.395,"sentiment":"neutral","sentiment_score":0.0774827388425668},{"text":"See how much she puts in next week.","start":1609.895,"end":1611.895,"sentiment":"neutral","sentiment_score":0.04975406872108579},{"text":"Okay.","start":1611.895,"end":1612.395,"sentiment":"neutral","sentiment_score":0.03585302457213402},{"text":"It's just got here employee employer contributions 5,759.","start":1623.6,"end":1628.72,"sentiment":"neutral","sentiment_score":0.01935999165289104}],"sentiment":"neutral","sentiment_score":0.05908143391004867,"channel":1,"num_words":36,"start":1601.815,"end":1628.72},{"sentences":[{"text":"I'd say that would that be a year?","start":1628.72,"end":1630.5,"sentiment":"neutral","sentiment_score":0.011930557200685143}],"sentiment":"neutral","sentiment_score":0.011930557200685143,"channel":1,"num_words":8,"start":1628.72,"end":1630.5},{"sentences":[{"text":"That that should be across the year, I would assume, unless you're looking at the cash statement.","start":1631.25,"end":1635.4299,"sentiment":"neutral","sentiment_score":0.013468076420180938}],"sentiment":"neutral","sentiment_score":0.013468076420180938,"channel":0,"num_words":17,"start":1631.25,"end":1635.4299},{"sentences":[{"text":"Starting balance, employer contributions, it's just got that.","start":1637.575,"end":1640.855,"sentiment":"neutral","sentiment_score":0.0038457231130450964},{"text":"And then","start":1640.855,"end":1641.595,"sentiment":"neutral","sentiment_score":0.008264826145023108}],"sentiment":"neutral","sentiment_score":0.004729543719440699,"channel":1,"num_words":10,"start":1637.575,"end":1641.595},{"sentences":[{"text":"What was it?","start":1643.405,"end":1643.965,"sentiment":"neutral","sentiment_score":0.003702460788190365},{"text":"5,790, did you say?","start":1643.965,"end":1646.3049,"sentiment":"neutral","sentiment_score":0.0021055320976302028}],"sentiment":"neutral","sentiment_score":0.002789930107870272,"channel":0,"num_words":7,"start":1643.405,"end":1646.3049},{"sentences":[{"text":"$5,759.52.","start":1646.7899,"end":1650.97,"sentiment":"neutral","sentiment_score":0.012482552789151669}],"sentiment":"neutral","sentiment_score":0.012482552789151669,"channel":1,"num_words":1,"start":1646.7899,"end":1650.97},{"sentences":[{"text":"Alright.","start":1652.38,"end":1652.7,"sentiment":"neutral","sentiment_score":0.13997285068035126},{"text":"Perfect.","start":1652.7,"end":1653.1,"sentiment":"positive","sentiment_score":0.3647127151489258},{"text":"That's okay.","start":1653.1,"end":1653.5,"sentiment":"neutral","sentiment_score":0.268790066242218},{"text":"And I'm assuming that's the last year?","start":1653.5,"end":1655.28,"sentiment":"neutral","sentiment_score":0.05402302768613611}],"sentiment":"neutral","sentiment_score":0.12912971746515145,"channel":0,"num_words":11,"start":1652.38,"end":1655.28},{"sentences":[{"text":"That was from the 07/01/2025 starting balance.","start":1657.7251,"end":1661.5851,"sentiment":"neutral","sentiment_score":0.027468575962952206}],"sentiment":"neutral","sentiment_score":0.027468575962952206,"channel":1,"num_words":7,"start":1657.7251,"end":1661.5851},{"sentences":[{"text":"Okay.","start":1662.155,"end":1662.555,"sentiment":"neutral","sentiment_score":0.03470810130238533},{"text":"07/01/2025.","start":1662.555,"end":1663.835,"sentiment":"neutral","sentiment_score":0.03194861486554146},{"text":"Alright.","start":1663.835,"end":1664.075,"sentiment":"neutral","sentiment_score":0.1046328991651535},{"text":"So that's what we've contributed so 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5","start":1665.515,"end":1666.395,"sentiment":"neutral","sentiment_score":0.02948646992444992}],"sentiment":"neutral","sentiment_score":0.07310064757863681,"channel":0,"num_words":12,"start":1662.155,"end":1666.395},{"sentences":[{"text":"Yeah.","start":1666.285,"end":1666.785,"sentiment":"neutral","sentiment_score":0.05199004709720611}],"sentiment":"neutral","sentiment_score":0.05199004709720611,"channel":1,"num_words":1,"start":1666.285,"end":1666.785},{"sentences":[{"text":"$9.52.","start":1666.395,"end":1667.615,"sentiment":"neutral","sentiment_score":0.07367424666881561},{"text":"Perfect.","start":1667.835,"end":1668.335,"sentiment":"positive","sentiment_score":0.3651961088180542}],"sentiment":"neutral","sentiment_score":0.2194351777434349,"channel":0,"num_words":2,"start":1666.395,"end":1668.335},{"sentences":[{"text":"Yeah.","start":1668.2051,"end":1668.7051,"sentiment":"neutral","sentiment_score":0.2553744316101074}],"sentiment":"neutral","sentiment_score":0.2553744316101074,"channel":1,"num_words":1,"start":1668.2051,"end":1668.7051},{"sentences":[{"text":"I will I can I can work on that?","start":1668.475,"end":1671.595,"sentiment":"neutral","sentiment_score":0.2556341207689709},{"text":"That's fine.","start":1671.595,"end":1671.915,"sentiment":"neutral","sentiment_score":0.30973467230796814},{"text":"So that's pro rata","start":1671.915,"end":1672.795,"sentiment":"neutral","sentiment_score":0.02438090229406953}],"sentiment":"neutral","sentiment_score":0.20118000271419684,"channel":0,"num_words":15,"start":1668.475,"end":1672.795},{"sentences":[{"text":"Yeah.","start":1672.78,"end":1673.28,"sentiment":"neutral","sentiment_score":0.07137297093868256}],"sentiment":"neutral","sentiment_score":0.07137297093868256,"channel":1,"num_words":1,"start":1672.78,"end":1673.28},{"sentences":[{"text":"for this 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can I can I can do the math on that and figure out how much he's paying?","start":1679.6,"end":1683.7001,"sentiment":"neutral","sentiment_score":0.14498724829819468},{"text":"That's","start":1683.76,"end":1684.26,"sentiment":"neutral","sentiment_score":0.08509107679128647}],"sentiment":"neutral","sentiment_score":0.15732743218541145,"channel":0,"num_words":20,"start":1678.9601,"end":1684.26},{"sentences":[{"text":"No worries.","start":1684.1951,"end":1684.8551,"sentiment":"neutral","sentiment_score":0.17758875340223312}],"sentiment":"neutral","sentiment_score":0.17758875340223312,"channel":1,"num_words":2,"start":1684.1951,"end":1684.8551},{"sentences":[{"text":"easy.","start":1684.48,"end":1684.98,"sentiment":"neutral","sentiment_score":0.317626029253006}],"sentiment":"neutral","sentiment_score":0.317626029253006,"channel":0,"num_words":1,"start":1684.48,"end":1684.98},{"sentences":[{"text":"Cool.","start":1684.995,"end":1685.495,"sentiment":"positive","sentiment_score":0.630224347114563}],"sentiment":"positive","sentiment_score":0.630224347114563,"channel":1,"num_words":1,"start":1684.995,"end":1685.495},{"sentences":[{"text":"Perfect.","start":1686.4,"end":1686.88,"sentiment":"positive","sentiment_score":0.649084746837616},{"text":"Alright.","start":1686.88,"end":1687.2001,"sentiment":"neutral","sentiment_score":0.2659493088722229},{"text":"Well, I will let you go, and I will talk to you again on Wednesday.","start":1687.2001,"end":1689.62,"sentiment":"neutral","sentiment_score":0.17422378559907278}],"sentiment":"neutral","sentiment_score":0.20755240233505473,"channel":0,"num_words":17,"start":1686.4,"end":1689.62},{"sentences":[{"text":"No worries.","start":1689.9551,"end":1690.515,"sentiment":"neutral","sentiment_score":0.20985880494117737},{"text":"Thanks a lot.","start":1690.515,"end":1691.235,"sentiment":"positive","sentiment_score":0.6075495481491089},{"text":"Talk to you soon.","start":1691.235,"end":1692.135,"sentiment":"neutral","sentiment_score":0.23467028513550758}],"sentiment":"positive","sentiment_score":0.3534497105413013,"channel":1,"num_words":9,"start":1689.9551,"end":1692.135},{"sentences":[{"text":"Not a problem, Rob.","start":1691.725,"end":1692.605,"sentiment":"neutral","sentiment_score":0.33118660002946854},{"text":"Have a 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bye.","start":1694.755,"end":1695.415,"sentiment":"neutral","sentiment_score":0.1364099457859993},{"text":"Bye.","start":1695.875,"end":1696.375,"sentiment":"neutral","sentiment_score":0.09554224461317062}],"sentiment":"neutral","sentiment_score":0.15543866530060768,"channel":1,"num_words":6,"start":1693.9551,"end":1696.375},{"sentences":[{"text":"Bye.","start":1695.965,"end":1696.465,"sentiment":"neutral","sentiment_score":0.06052009016275406}],"sentiment":"neutral","sentiment_score":0.06052009016275406,"channel":0,"num_words":1,"start":1695.965,"end":1696.465}]},"summary":{"result":"success","short":"The speaker discusses retirement goals and retirement plans with a customer, emphasizing the importance of building their income and accessing retirement savings. They also discuss options for selling their property and reducing capital gains taxes, as well as the benefits of a retirement plan and insurance coverage. The speaker recommends canceling policies and finding affordable options for investment portfolios. They also mention the retirement age and contributions to the super funds."},"intents":{"segments":[{"text":"Did you get Rob's details through?","start_word":17,"end_word":22,"intents":[{"intent":"Get rob's details","confidence_score":0.03157457}]},{"text":"A little bit conservative with some of his answers, but also doesn't know a lot, doesn't understand a lot. So I was just trying to walk him through the questions and and make him comfortable. But, yeah, he's open to advice. Cool.","start_word":90,"end_word":131,"intents":[{"intent":"Talk through questions and understand","confidence_score":0.0028182296}]},{"text":"So she'll just have a quick chat, get to work on the plan, and then I will chat with you on Wednesday night.","start_word":170,"end_word":192,"intents":[{"intent":"Discuss and facilitate conversation","confidence_score":0.0000029501716}]},{"text":"But what this conversation is is it's just a chance for me to get to know you a little bit better to understand and make sure that I'm I am heading in the right direction, make Yes.","start_word":319,"end_word":355,"intents":[{"intent":"Gather information for the conversation","confidence_score":7.511202e-8}]},{"text":"I am prioritizing the goals that you're prioritizing.","start_word":358,"end_word":365,"intents":[{"intent":"Prioritize goals","confidence_score":0.7353954}]},{"text":"You had a retirement age of 65. Can I ask why that's the age you selected?","start_word":563,"end_word":578,"intents":[{"intent":"Discuss the retirement age","confidence_score":0.0027883176},{"intent":"Identify the retirement age","confidence_score":0.0018366083},{"intent":"Discuss the retirement age","confidence_score":0.12446141}]},{"text":"So the the reason I ask is a a lot of people focus on 65 or 67 as retirement age because that's the age that, like, their superannuation becomes accessible or the age pension becomes accessible. Yeah.","start_word":668,"end_word":704,"intents":[{"intent":"Discuss retirement age restrictions","confidence_score":0.0009001888}]},{"text":"So we're just putting few things in place that we've worked out that if we can if I can get $700 a week, that that that's probably what I'll need. So Yeah.","start_word":1000,"end_word":1031,"intents":[{"intent":"Resolve debt and purchase property","confidence_score":0.00007988008}]},{"text":"So, like, there's two properties that you you own. Yep.","start_word":1240,"end_word":1249,"intents":[{"intent":"Rent property","confidence_score":0.017236257}]},{"text":"The investment like property, which is mine, comes from a previous marriage. I I'm still paying that one off. Yeah.","start_word":1270,"end_word":1289,"intents":[{"intent":"Comply with previous marriage","confidence_score":0.000061433086}]},{"text":"My sister and I I do say there'll be a fair bit of money. Dad dad was very high in investing money from an early age, and he's a Yes. self funded retiree. So so he's done pretty well for himself. So yeah.","start_word":1505,"end_word":1547,"intents":[{"intent":"Improve financial planning","confidence_score":0.00075808517}]},{"text":"we can do is wait until you're pretty much at retirement age or wait until, you know, we're nearly ready to retire and have a bit of a conversation just before you retire about whether it's more beneficial to sell the property before you hang up the hat Yes.","start_word":2011,"end_word":2059,"intents":[{"intent":"Retire","confidence_score":0.010058184},{"intent":"Plan to sell the property","confidence_score":0.00010108943}]},{"text":"So if if if I can move back in there, how long do I Yeah.","start_word":2284,"end_word":2298,"intents":[{"intent":"Decide on the future","confidence_score":0.00043312617}]},{"text":"could be getting around 500 a week, but it's at $3.60 a week at the moment. So that's the reason why I said I'd I'd sell it is because they're planning on buying it. That if I if I bought it at with what you're saying, I'd probably buy another property. Yes.","start_word":2455,"end_word":2506,"intents":[{"intent":"Promote property sell-off","confidence_score":6.591123e-7}]},{"text":"basically turn your, you know, balance of you know, you've got $8,086,000 and nearly 87,000. That Yes. would turn that basically into nearly a 135. Right? So that 100 Yes. and 35,000 is then paid out to your beneficiary. Yes. Your beneficiary is then able to pay out the debts or have a sufficient balance to be able to support, you know, themselves. Yeah.","start_word":3024,"end_word":3087,"intents":[{"intent":"Share information","confidence_score":0.0013072417}]},{"text":"It's just a matter of, I guess, just figuring out what what you wanna do with, like, the the super benefit. What is it achieving?","start_word":3377,"end_word":3401,"intents":[{"intent":"Calculate super benefit budget","confidence_score":0.00033616376}]},{"text":"And the older we get, the less insurance we have. And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim on. Yeah. And Okay.","start_word":3752,"end_word":3797,"intents":[{"intent":"Clarify insurance requirements","confidence_score":0.092213646}]},{"text":"And I will exclude for now, I will exclude, obviously, the investment property, and I will exclude any inheritance and anything like that. Obviously, Yes.","start_word":4368,"end_word":4392,"intents":[{"intent":"Exclude investment property","confidence_score":0.70358413}]},{"text":"if we decide to sell the investment well, you know, we sell the investment property and we have a lump sum amount that we wanna play with and do something with, that'll come into play.","start_word":4393,"end_word":4427,"intents":[{"intent":"Consider lump sum investments","confidence_score":0.008063667}]},{"text":"I will look at making sure that we are protecting the assets you've built. Yeah. Yeah.","start_word":4510,"end_word":4525,"intents":[{"intent":"Protect assets","confidence_score":0.4855488}]},{"text":"So I'll I'll crack into things and start researching everything. And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well. Yep.","start_word":4531,"end_word":4572,"intents":[{"intent":"Present research","confidence_score":0.48928574}]},{"text":"I'm just seeing if I can find out on here where I can see if she's transaction history. See how much she puts in next week. Okay.","start_word":4578,"end_word":4604,"intents":[{"intent":"Check transaction history","confidence_score":0.2063143}]},{"text":"And I'm assuming that's the last year? That was from the 07/01/2025 starting balance. Okay. 07/01/2025. Alright. So that's what we've contributed so far. $5.07 5 Yeah.","start_word":4660,"end_word":4686,"intents":[{"intent":"Check last year's contribution","confidence_score":0.00028655684}]},{"text":"I will I can I can work on that? That's fine.","start_word":4690,"end_word":4700,"intents":[{"intent":"Work on project","confidence_score":0.44973713}]},{"text":"I can I can I can do the math on that and figure out how much he's paying? That's No worries.","start_word":4716,"end_word":4736,"intents":[{"intent":"Calculate payment amount","confidence_score":0.12572464}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hello? Hey. How are you doing? Good.","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.09161219745874404},{"text":"I just tripped on my arm, like, app.","start_word":9,"end_word":16,"sentiment":"negative","sentiment_score":-0.47249677777290344},{"text":"Did you get Rob's details through? Yes. Rob Flint, Robert. Yep. That's him. Yeah. Lovely guy. Very cruisy. I've booked him in for Wednesday at 05:30. He's got the day off. He's only working four days a week now. They've wound the business back from five days to four, so he gets Fridays off.","start_word":17,"end_word":70,"sentiment":"neutral","sentiment_score":-0.02074374072253704},{"text":"But, yeah, he's cool.","start_word":71,"end_word":74,"sentiment":"positive","sentiment_score":0.3371403217315674},{"text":"He's keen to see what he can do to try and get it working better. A little bit conservative with some of his answers, but also doesn't know a lot, doesn't understand a lot. So I was just trying to walk him through the questions and and make him comfortable. But, yeah, he's open to advice.","start_word":75,"end_word":130,"sentiment":"neutral","sentiment_score":0.05379272624850273},{"text":"Cool. Lovely.","start_word":131,"end_word":132,"sentiment":"positive","sentiment_score":0.47771939635276794},{"text":"Alright. We'll just grab him for you.","start_word":133,"end_word":139,"sentiment":"neutral","sentiment_score":0.3274153172969818},{"text":"Amazing. Cheers. Thanks for holding.","start_word":140,"end_word":144,"sentiment":"positive","sentiment_score":0.558203399181366},{"text":"That's alright. I've got Larissa on the line. As I said, she's one of the senior advisers with that's gonna work on the plan. Yep. So she'll just have a quick chat, get to work on the plan, and then I will chat with you on Wednesday night. No worries, mate.","start_word":145,"end_word":195,"sentiment":"neutral","sentiment_score":0.16204078495502472},{"text":"Thank you.","start_word":196,"end_word":197,"sentiment":"positive","sentiment_score":0.3501698672771454},{"text":"No worries.","start_word":198,"end_word":199,"sentiment":"neutral","sentiment_score":0.21422253549098969},{"text":"You have a good weekend.","start_word":200,"end_word":204,"sentiment":"positive","sentiment_score":0.4034003019332886},{"text":"Yeah. You too, mate.","start_word":205,"end_word":208,"sentiment":"neutral","sentiment_score":0.1839650720357895},{"text":"Thank you.","start_word":209,"end_word":210,"sentiment":"positive","sentiment_score":0.3568325936794281},{"text":"Thanks, mate. Bye. Hi, Rob. How are you going? Yeah. Good.","start_word":211,"end_word":221,"sentiment":"neutral","sentiment_score":0.2151099592447281},{"text":"Thanks. That's good.","start_word":222,"end_word":224,"sentiment":"positive","sentiment_score":0.41341790556907654},{"text":"So as it's been explained, I'm one of the financial advisers with o two Financial. And I guess my whole role and what I do is I work individually and independently for each of my clients that I speak with. And I guess the reason for that is is purely and easily is that each of my clients are independent, and each of my clients have different goals. Now Yes.","start_word":225,"end_word":294,"sentiment":"neutral","sentiment_score":0.15034906566143036},{"text":"I know that you've worked really hard on giving a lot of information to my team already, Yes. and I really appreciate that.","start_word":295,"end_word":317,"sentiment":"positive","sentiment_score":0.4151067733764648},{"text":"But what this conversation is is it's just a chance for me to get to know you a little bit better to understand and make sure that I'm I am heading in the right direction, make Yes. sure that Yes. I am prioritizing the goals that you're prioritizing. Yes. Now that being said, I understand that at the moment, you have a guess a bit of a personal goal that you're looking to try and, I guess, recover post a bit of a shoulder injury. Yeah. That's right. Yeah. I'm I'm still on light duty, but I've got I've got a guy helping me at the moment, so that's all good.","start_word":318,"end_word":428,"sentiment":"neutral","sentiment_score":0.0968216434121132},{"text":"So we're still good bringing the money in and everything like that. So that's not affecting wages or anything, which has been great. So Good. Perfect.","start_word":429,"end_word":454,"sentiment":"positive","sentiment_score":0.3907023072242737},{"text":"And I guess shoulder injury wise, are you going okay? Yeah. Again, healing well. I had surgery about to put two tendons back on my shoulder about nearly seven weeks ago now, and everything's everything's good now. So it's just healing and, yeah, I'm out of the thing now and starting to use it a bit Good. better now.","start_word":455,"end_word":513,"sentiment":"neutral","sentiment_score":0.09798144549131392},{"text":"So it's good. Fantastic. That's very good.","start_word":514,"end_word":520,"sentiment":"positive","sentiment_score":0.5177817344665527},{"text":"And, I guess, outside of that, a lot of your goals do center around, I guess, like, your retirement and where you're going to head with respect to, you know, your work life, which is great. Now I just did wanna ask. You had a retirement age of 65. Can I ask why that's the age you selected? It's well, I'd like to retire a lot earlier. But Always. I don't think my income will be right or anything. So, you know, look, we got other things in place. We got don't like talking about it. We got inheritance coming our way and stuff like that, so we don't have to worry about it too much. But, really, I just wanna try and do what I've got by myself and everything like that trying to get it up. Yeah. So Of if course. you know. No. Alright. So the the reason I ask is a a lot of people focus on 65 or 67 as retirement age because that's the age that, like, their superannuation becomes accessible or the age pension becomes accessible. Yeah. That's right. Yeah. Whereas your super actually becomes accessible at age 60, it's just restricted a little bit. So that's that's that's where people, I guess, get a little bit confused. Yeah. Outside Yeah. I'm I I've got a guy that's just retired, a mate of mine, and he's been able to get his super invested in other ways. So but he just couldn't take it out. It had to be invested in something else or something. So yeah. Yeah. And look. Realistically for yourself, you're you're still, unfortunately, to say, it's still a few years away from Yeah. being able to to access it. So we're sort of you just turned 54. So, yeah, you're six you're six years away from 60, which means you're six years away from being able to have some fun with tax. Because Yeah. Yeah. once we turn 60, we can do some fun tax stuff.","start_word":521,"end_word":856,"sentiment":"neutral","sentiment_score":0.007666373403654212},{"text":"But in the meantime, we can definitely get it working for you in a way that's beneficial to help out most certainly.","start_word":857,"end_word":878,"sentiment":"positive","sentiment_score":0.470246285200119},{"text":"Yeah. Now you've quoted $700 a week in income. Can I ask why that figure? Because currently, your income would be about the 1,100 ish mark. Yeah. That's about right. Yeah. We've we've looked once we've paid off all our debts, like, we've I've still got $70 to go in our house and even though we got renters in there at the moment and everything's fine, it's just that we're still building up what we have here. Like, I've got old school cars too. I've got Taranis and everything like that. So we're Yeah. still trying to build one of those eventually, and then I can sell them when I'm retired. You know what I mean? Sort of thing. So yeah. So we're just putting few things in place that we've worked out that if we can if I can get $700 a week, that that that's probably what I'll need. So Yeah. No.","start_word":879,"end_word":1032,"sentiment":"neutral","sentiment_score":0.04654091952199286},{"text":"That's absolutely okay. That's perfect.","start_word":1033,"end_word":1037,"sentiment":"positive","sentiment_score":0.5428014993667603},{"text":"So you've you've got a justification to why it is.","start_word":1038,"end_word":1047,"sentiment":"neutral","sentiment_score":0.3083837330341339},{"text":"And I guess the great thing is is, like, you have investment property already.","start_word":1048,"end_word":1061,"sentiment":"positive","sentiment_score":0.3930046856403351},{"text":"Yeah. Yeah. So you've got a bit of residual income coming in there for the two of you outside of Yes. what you already have.","start_word":1062,"end_word":1086,"sentiment":"neutral","sentiment_score":0.1949927657842636},{"text":"Yeah. Good. Perfect.","start_word":1087,"end_word":1089,"sentiment":"positive","sentiment_score":0.5360937118530273},{"text":"Now we have a goal to try and get the debt all paid off within the next five years. The investment property, are we well and truly on track to do that, or do we want Yeah. some, Well, I guess, I've got auditing? Yep. we've got $70.76 to go. I should pay that off within a year and a half or a year or something. Well, I forget how my wife's working out. So but yeah. She's got you well on track to get it paid off sooner rather than later. Yeah. Yeah. Yeah. So but so we're I've remarried with this new lady I've got. We've been with each other nearly eight years. She's got a house. She's already paid it off. I've nearly paid mine off, and we own all our vehicles and everything like that. So Okay. That's absolutely okay. Well, that's I mean, that's good. So, like, there's two properties that you you own. Yep. We're living in the we're living in the home that's fully paid off, but Yeah. then the investment property Yeah. The investment like property, which is mine, comes from a previous marriage. I I'm still paying that one off. Yeah. So okay. No. That's okay. That's and and okay. it's Alright. been rented. So, Yeah. yeah. So it was it they your the investment property was your primary residence, and now it it's turned to investment. That's correct. Yes. Yes. Yeah. Alright.","start_word":1090,"end_word":1331,"sentiment":"neutral","sentiment_score":0.0738883699513664},{"text":"Perfect.","start_word":1332,"end_word":1332,"sentiment":"positive","sentiment_score":0.4668409824371338},{"text":"No. That's okay.","start_word":1333,"end_word":1335,"sentiment":"neutral","sentiment_score":0.1536875218153},{"text":"Cool. Cool.","start_word":1336,"end_word":1337,"sentiment":"positive","sentiment_score":0.3870742321014404},{"text":"No.","start_word":1338,"end_word":1338,"sentiment":"neutral","sentiment_score":0.1488288938999176},{"text":"That's good.","start_word":1339,"end_word":1340,"sentiment":"positive","sentiment_score":0.3754582107067108},{"text":"So we've because we came into the relationship with the house each, we we now have an investment.","start_word":1341,"end_word":1358,"sentiment":"neutral","sentiment_score":0.25977882742881775},{"text":"I love it. That's Yeah. fantastic.","start_word":1359,"end_word":1364,"sentiment":"positive","sentiment_score":0.6512778401374817},{"text":"Yeah. Yeah. See? Sometimes sometimes splitting can make things Yeah. easy. Oh, it worked out quite well because it didn't work the last time. Sometimes the first go doesn't work. Try again. No. That's alright. No.","start_word":1365,"end_word":1400,"sentiment":"neutral","sentiment_score":0.0867789164185524},{"text":"That's fantastic.","start_word":1401,"end_word":1402,"sentiment":"positive","sentiment_score":0.5068807601928711},{"text":"And then I know that we're wanting to we're wanting to travel camps. We're wanting to Yes. to go and do just just do life, Yeah. That's right.","start_word":1403,"end_word":1430,"sentiment":"neutral","sentiment_score":0.16625642776489258},{"text":"which is good. That's perfect.","start_word":1431,"end_word":1435,"sentiment":"positive","sentiment_score":0.5854769349098206},{"text":"Now I did wanna ask because you did raise it. You Yeah. did say inheritance. May I ask Yeah. where that comes from? You don't have My to know father. anything. Yeah. My father. He's he's 86, but, I mean, in ten years' time, he'd be 96. And I don't know whether he'll be that old. I Yep. hope he's but in ten years, yeah. So my sister sorry. My sister and I I do say there'll be a fair bit of money. Dad dad was very high in investing money from an early age, and he's a Yes. self funded retiree. So so he's done pretty well for himself. So yeah. Look. Like, I don't like talking about it, but it's it's it's it's it's fact that it will happen Monday. So that's we're just it's just a a waiting game. And so and my wife as well. She's got inheritance coming her way. Probably not as much as I have, but but we will all accumulate together. We we're trying to see eventually, I'll probably sell my house because of the return on it, which is, say, $20 a year. I'm thinking of when I do sell it, put the money into an investment like just in a a term deposit, and it's and if I put it in there now, it's a 4.95%, Yep. which is $31,000 a year. Well, that's half a wage. So it's so there's a start there, everything like that. So if you can just do those sort of investments and we get some from super blah blah blah.","start_word":1436,"end_word":1701,"sentiment":"neutral","sentiment_score":0.07590135920764808},{"text":"We we should be pretty well right. Like, we could.","start_word":1702,"end_word":1711,"sentiment":"positive","sentiment_score":0.5028742551803589},{"text":"So the the options around the investment property are pretty wide. Like, yeah, the property's generating an an income of, like, $20. So, Yep. yes, it's not massive. And with that income, like, there's all all the headaches that can come from having a property. Right? Yes. You know? Because you've you've got like, it pays $650 a week, but, you know, you've got your your rental agents. You have them calling you. You have, you know, Yep. the rates and the water connection fee. And if the tent like, in the insurance and if the tenant break anything or damage anything, it's it's all of the the tasks that come along with having a property. Yeah. Now if you don't want that headache, then 100%, we can look at selling it.","start_word":1712,"end_word":1843,"sentiment":"neutral","sentiment_score":-0.030745401978492737},{"text":"The painful part is is that because it's an investment property, there could be capital gains tax on it.","start_word":1844,"end_word":1862,"sentiment":"negative","sentiment_score":-0.5359128713607788},{"text":"You've Yeah. lived in I'll the property be right previously, back. which is good, Yeah.","start_word":1863,"end_word":1877,"sentiment":"neutral","sentiment_score":-0.06683576107025146},{"text":"but the capital gains tax is gonna hit.","start_word":1878,"end_word":1885,"sentiment":"negative","sentiment_score":-0.4698893129825592},{"text":"Now there's a few things that we can do with it to make sure that we pay as little capital gains as possible. I Yeah.","start_word":1886,"end_word":1910,"sentiment":"neutral","sentiment_score":-0.2169237434864044},{"text":"Yeah. would not recommend selling it right this second while you're working.","start_word":1911,"end_word":1922,"sentiment":"negative","sentiment_score":-0.5312918424606323},{"text":"Yeah. The way capital gains works is the gain is added to your taxable income, and you are taxed on that highable taxable income. So because Because you're earning, I'm you earning know, money.","start_word":1923,"end_word":1956,"sentiment":"neutral","sentiment_score":-0.1636652648448944},{"text":"you're earning money, it means that that could push you into a new bracket. Because you own this property 100% by yourself, Yes. it's your income to earn, and it's not gonna be spread across your partners, which means that we can't decrease the the, the income or the taxes from that.","start_word":1957,"end_word":2008,"sentiment":"positive","sentiment_score":0.4117256999015808},{"text":"What Yeah. we can do is wait until you're pretty much at retirement age or wait until, you know, we're nearly ready to retire and have a bit of a conversation just before you retire about whether it's more beneficial to sell the property before you hang up the hat Yes. and use a few tax saving offset methodologies to reduce the tax or whether we wait until you finish working like, wait until you retire, then sell the property and just cut the capital gains at that's a lower rate because you it'll you know, the capital gain will be just considered whatever, you know, will be your income. Yeah. So it'll be a bit of a, you know, wait and see type of game that we talk about sort of, you know, six to twelve months before you're ready to retire so we can kinda Yep. play around with the numbers figures and figure out what we are and aren't doing at that time. Yeah. Okay. There's definitely nothing wrong with selling that property if you don't wanna deal with the, you know, the having that extra property. Yeah. I understand you. Yep. All the alternative is that you could sell the home you guys live in if you are if you're amenable or you're you're willing to do that. Sell the property you guys are in, pay no capital gains on that, and then move into the investment property. Yeah. Right. There's always that as well. It just depends on whether you, you know, have a preference for which Yep. property you wanna live in or if there's anything Yep. around side. So if if if I can move back in there, how long do I Yeah. gotta live? Do you know how long I'm gonna live in there before I can sell it? Or Twelve months. twelve months. Yeah. Righto. Yep. Have to be considered your primary place of residence? Yeah. Righto. Yep. Yep. No problem. And then My we son's living in there actually at the moment. So so close. yeah. Yeah. Yeah.","start_word":2009,"end_word":2356,"sentiment":"neutral","sentiment_score":0.03062241980484847},{"text":"So now it's it's they're they're going quite well. So it's good. Good. Okay.","start_word":2357,"end_word":2370,"sentiment":"positive","sentiment_score":0.5180435180664062},{"text":"So it's it's in the family, and he's probably looking after it pretty well anyway. Yeah. Yeah. Yeah. Yeah. So no. Could That's you get okay. Alright. more could you get more for the property if you put it on open market? Like, if you if you weren't renting to your kid. I'd probably get more return on it if I was renting it to someone else yet because I'm not charging my son a hell of a lot of money. Well, I Yeah. could be getting around 500 a week, but it's at $3.60 a week at the moment. So that's the reason why I said I'd I'd sell it is because they're planning on buying it. That if I if I bought it at with what you're saying, I'd probably buy another property. Yes. You could buy another property. We could like, if they they're planning on buying that property, we could just let that property go. Let, like, let them buy it, and then Yeah. we could invest the money in different ways. We can pop it into your superannuation Yeah. fund. We could set up what's called, like, an investment account so the money stays accessible to you. Yeah. Yeah. Yeah. Yeah. Right. There there are a few different options. It just depends on whether you want some people get to retirement, and they've had investment properties their whole life. They retire, and they just sell all the investment properties up because they don't Yep. wanna deal with the headache of having to deal with the real estate, the renters, the contacts, the everything. Yeah. They wanna go off grid, Yeah. and they don't wanna deal with the Yep. crap that comes from having an investment Yeah. I property. understand you. Yep.","start_word":2371,"end_word":2666,"sentiment":"neutral","sentiment_score":-0.003780688178045927},{"text":"Whereas other people are more than happy to have the investment property.","start_word":2667,"end_word":2678,"sentiment":"positive","sentiment_score":0.5868100523948669},{"text":"You know?","start_word":2679,"end_word":2680,"sentiment":"neutral","sentiment_score":0.2997479736804962},{"text":"They check-in on it once every three months. Things run smoothly, and it's not, you know, an issue for them.","start_word":2681,"end_word":2700,"sentiment":"positive","sentiment_score":0.4009408354759216},{"text":"Yep. It's Yep. it's really personal preference when it comes to, like, I guess, the asset that you hold. Some people Yeah. prefer stock and shares because, well, the stocks and shares don't really talk back versus an Yeah. investment property you have to deal with your renters and your real estate and the dishwasher broke and Yeah.","start_word":2701,"end_word":2758,"sentiment":"neutral","sentiment_score":0.02492045052349567},{"text":"the fence is falling apart and whatever else comes from it.","start_word":2759,"end_word":2769,"sentiment":"negative","sentiment_score":-0.39251190423965454},{"text":"Yeah. So yeah. So it it could be something we definitely talk about down the line. It doesn't have to be, like, a today conversation on where we go, but Yeah. we can definitely, I guess, keep keep up with it as we we move through. Yeah. Yeah.","start_word":2770,"end_word":2817,"sentiment":"neutral","sentiment_score":0.10803714394569396},{"text":"Oh, That's cool.","start_word":2818,"end_word":2820,"sentiment":"positive","sentiment_score":0.3395094573497772},{"text":"fine. So what's what's your company called? Oakview, o a k v I e w. OAK. OAK. OAK View, was it? Yeah. Like like a oak Yep. tree, the oak Yep. view. Yep. No worries. Yeah. Yep. No worries. Okay. And now Cool. I did want to just, I guess, touch on you have your ART or your Australian Retirement Trust Fund that currently has Yeah. insurance inside of it. You Yeah. have life and TPD or life and, I guess, total and permanent disability insurance. Yeah. Are those amounts enough for you? Are those amounts are you I comfortable I really with them? didn't know anything about it until we looked on it a few couple of years ago. Yes. He said, you got you got cover here. I said, what's wrong? I never I don't remember ever getting it. So yeah. So I I I don't didn't know it's well, it's not really a lot of money, so Yeah. I'm probably No. It inclined to get rid of it. I don't know. it's it's $48. So what would happen is if she passed away tomorrow, touch wood, Yes. $48,000 would be paid from the insurer into ART fund, which would Yes. basically turn your, you know, balance of you know, you've got $8,086,000 and nearly 87,000. That Yes. would turn that basically into nearly a 135. Right? So that 100 Yes. and 35,000 is then paid out to your beneficiary. Yes. Your beneficiary is then able to pay out the debts or have a sufficient balance to be able to support, you know, themselves. Yeah. Okay. It just depends on what you're wanting to achieve with that benefit. Like, if your beneficiary, for example, was your partner, that money is sufficient to pay out the investment property. You know, your partner then has two investment properties oh, sorry. An investment property plus the home, the motor home, the race cars, the vans, the, you know, whatever else Yeah. Yeah. left to her or however your will because I understand you do have a will in place. However, your will kind Yeah. of spaces that up. So whether Yes. the investment Yeah. property goes give your son or whatever, Yep. you know, those assets are all able to be divvied up the way they need to. Yep. Realistically, you know, can I ask, like, do you know how your will is set up? Do you remember? No. I'd No. I'd Did you have to pretend? have a look. It was we did it about five years, six years ago. So Okay. when we when we first met. So I do I do know that my house goes to my kids and the house I'm living with my wife, it goes to this house goes to her kids.","start_word":2821,"end_word":3288,"sentiment":"neutral","sentiment_score":0.03698163631204993},{"text":"Cool. Good. Alright. So your kids are gonna end up with a house, which is great. So yeah.","start_word":3289,"end_word":3306,"sentiment":"positive","sentiment_score":0.6981289982795715},{"text":"And then there's this car, the motor home, the race car, the vans, the everything else. Yeah. Yeah. So the the motor home goes to my kids, the race cars, and my go to my kids, and the rest of the like, my van and Janine's car that she drives goes to her kids. Yeah.","start_word":3307,"end_word":3361,"sentiment":"neutral","sentiment_score":0.11789063255895268},{"text":"I so things are nicely spread and split, which is So good. yeah.","start_word":3362,"end_word":3374,"sentiment":"positive","sentiment_score":0.5192882418632507},{"text":"Yep. Yeah. It's just a matter of, I guess, just figuring out what what you wanna do with, like, the the super benefit. What is it achieving? You know? If your kids are gonna get a pretty much a fully paid off house, then worst case scenario, they sell it, and they walk away with a decent 350,000 each, Yes. or whether, you know, you want the extra benefit to go to them. Because currently, you know, you're paying you're paying for the insurance. The same as Yeah. any insurance policy that we have, we pay for it. If you Yeah. feel as though it's not really giving you a benefit, then, you know, we can definitely get rid of it. It's just a matter of understanding the risks that if you don't have that insurance in place, there's no extra benefit for the family. And in the event you're never able to work again, it's $48,000 that you don't receive. Yeah. Yeah. Yeah. It's I just not a thought lot. that that the cover that that's been provided here, and I'm looking at it now on the computer. Like, I just thought, why is it that low? It's only $48. You know, like, like, some of the ones I've been looking at, you know, it might be a dollar a day, and then they got $350. You know what I mean? So Yeah. It the insurers within Superfunds, once you hit a certain age, it's basically a bell curve. So when we're, you know, 16 and starting out, we don't need insurance. When we hit 25, that's the magical age that they determine that we need insurance. Now me at 25, I had a five year old, so I definitely needed insurance for 25. But, again, insurers magically decide that that's the age that we need children. Yep. Sorry. Yeah. We need insurance. Yeah. Yeah. Now from there, it basically bell curves all the way up until we hit about 42 because that is, again, the age that insurers have determined that we've got our life together and that we're starting to pay our debts down and that everything is, you know, going well. From that point, it starts going the benefit starts dropping. Yes. Yes. And the older we get, the less insurance we have. And then by the time you are sitting in your fifties, pushing towards 60, if anything were to happen to you, you don't have a lot of insurance that you can claim on. Yeah. And Okay. That is the standardized rule that they put in place, but not everyone's life runs that way. I have people that are in their well and truly into their fifties that still have hundreds of thousands of dollars worth of debt. I Yeah. have people that are in their forties that have no debt at all. And like I said, I have quite a number of clients that are in their early twenties that have children that do need insurance because if anything does happen to those kids or it happens to them, they need to make sure that the kids are kids are covered and protected. Yeah. Yeah. So it's a rule of thumb guide that the insurers use within the super funds because it's group insurance. It's just grouped Yeah. as a as a policy. This is what we've set up, and this is what you And it's not it's not meant to fit everyone. And, unfortunately, if you don't look into it, if you don't look at the product disclosure statement, you don't know about it. If you don't pay attention, you don't know about it. And a lot of people don't. Yeah. They just go, well, my super fund's always gonna be there. It's fine. I'll just, you know, let it ride. Yeah. Yeah. I'm seeing it. So I will have a look at it, and I will start running some figures and numbers and see where it lands us. If the insurance is Yep.","start_word":3375,"end_word":4046,"sentiment":"neutral","sentiment_score":-0.0350815626346351},{"text":"realistically not gonna make a dent in your overall financial position, I will recommend we cancel it.","start_word":4047,"end_word":4063,"sentiment":"negative","sentiment_score":-0.5451887249946594},{"text":"If I can find a policy that's gonna work for you that's gonna be nice and cheap and give you what you could possibly need, then Yeah. I'll recommend that. I don't see Yeah. Yeah. Righto. a great need for insurance, so I'm gonna be completely frank. Yeah. And look, when you do find come back with like, I'm not I'm not sure what my wife's putting into the super each week. I'm not sure, but I I'm quite happy to put more in, like, another $20 a week more in or whatever. You know? So Are you able to find out what she does put into the fund? not me. She's just going to see her mother in hospital. Oh, not hospital, but she gets an injection in her eye, which I don't go and watch. But No. I would no. No. So but she would know everything about it. So on Wednesday at 05:30, she'll be here anyway. So okay. Well, what I can do is I'll run the figures and have a have a look. Yes. What I can base it on is basing it on, like, the standardized 12%. So if you were to put 12% of your income into the super fund, which is the standardized regulatory rate, Yes. I'll base it on that. And Yes. then I'll also show in the documentation, yes, if you were to put nothing in. So that way, we've got a basis for nothing versus the legal rate, and I'll make a recommendation on Yeah. what you would need to make sure you're putting in to make sure you're hitting your your desired goal. So making Yeah. sure that Okay. we're actually retiring by the age of 65 and we have a good income of, you know, $700 a week. Yes. Yes. K. And I will exclude for now, I will exclude, obviously, the investment property, and I will exclude any inheritance and anything like that. Obviously, Yes. if we decide to sell the investment well, you know, we sell the investment property and we have a lump sum amount that we wanna play with and do something with, that'll come into play. And if or when the inheritance does eventually trickle through, we can obviously consider that, and that may mean, you know, we're able to back off on you know, putting as much into the super fund or, you know, we can take maybe a little bit more of a conservative position Yes. overall Yep. to the investment structure. Oh, don't get me wrong. You're not exactly a conservative investor, and you still got Yeah. time to be able to invest, but Yeah. I will look at making sure that we are protecting the assets you've built. Yeah. Yeah. I understand. Yeah. So yeah. So I'll I'll crack into things and start researching everything. And then on Wednesday when we chat, it'll just be a matter of me basically presenting to you all the research I've done and my formal recommendations from there as well. Yep. Yep. No worries. Okay. Alright. I'm just seeing if I can find out on here where I can see if she's transaction history. See how much she puts in next week. Okay. It's just got here employee employer contributions 5,759. I'd say that would that be a year? That that should be across the year, I would assume, unless you're looking at the cash statement. Starting balance, employer contributions, it's just got that. And then What was it? 5,790, did you say? $5,759.52. Alright.","start_word":4064,"end_word":4656,"sentiment":"neutral","sentiment_score":0.04985059471722397},{"text":"Perfect.","start_word":4657,"end_word":4657,"sentiment":"positive","sentiment_score":0.3647127151489258},{"text":"That's okay. And I'm assuming that's the last year? That was from the 07/01/2025 starting balance. Okay. 07/01/2025. Alright. So that's what we've contributed so far. $5.07 5 Yeah. $9.52.","start_word":4658,"end_word":4687,"sentiment":"neutral","sentiment_score":0.07544203847646713},{"text":"Perfect.","start_word":4688,"end_word":4688,"sentiment":"positive","sentiment_score":0.3651961088180542},{"text":"Yeah. I will I can I can work on that?","start_word":4689,"end_word":4698,"sentiment":"neutral","sentiment_score":0.2570318579673767},{"text":"That's fine.","start_word":4699,"end_word":4700,"sentiment":"positive","sentiment_score":0.3718213737010956},{"text":"So that's pro rata Yeah. for this year. That's Yeah.","start_word":4701,"end_word":4710,"sentiment":"neutral","sentiment_score":0.11863507330417632},{"text":"easy. Fantastic. Yeah. Yeah. Cool.","start_word":4711,"end_word":4715,"sentiment":"positive","sentiment_score":0.5044928789138794},{"text":"I can I can I can do the math on that and figure out how much he's paying? That's No worries. easy.","start_word":4716,"end_word":4737,"sentiment":"neutral","sentiment_score":0.14572365581989288},{"text":"Cool. Perfect.","start_word":4738,"end_word":4739,"sentiment":"positive","sentiment_score":0.6396545171737671},{"text":"Alright. Well, I will let you go, and I will talk to you again on Wednesday. No worries.","start_word":4740,"end_word":4757,"sentiment":"neutral","sentiment_score":0.1934868097305298},{"text":"Thanks a lot.","start_word":4758,"end_word":4760,"sentiment":"positive","sentiment_score":0.5844244360923767},{"text":"Talk to you soon.","start_word":4761,"end_word":4764,"sentiment":"neutral","sentiment_score":0.22965335845947263},{"text":"Not a problem, Rob. Have a great Alright.","start_word":4765,"end_word":4772,"sentiment":"positive","sentiment_score":0.4388106167316437},{"text":"weekend. Yeah. You too. Bye bye. Bye. Bye.","start_word":4773,"end_word":4780,"sentiment":"neutral","sentiment_score":0.15000112354755402}],"average":{"sentiment":"neutral","sentiment_score":0.05792854696603308}}}}