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Is now still a good time there for you? Yep. Fantastic. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And we are discussing your personal information, so I'll just do a quick security check there with you. I'll just need to confirm your full name, your date of birth, and address I should have on file as well. Yep. Yep. Beautiful. Thank you so much for that. Wow. Christmas day, baby. Oh, look. I get it. I use it Christmas day, month, the twenty seventh, so I understand being so close. But, yeah, look, honestly, on Christmas day. No. All good. I my colleague Michelle will do it just to have a bit of a chat. You're looking to look at increasing selling sacrifice, I believe, into your super. Yeah. Perfect. Yes. Absolutely. Yep. Yes. Yep. Right. Yeah. Yep. No. That's okay. There are one one of two ways of doing it. So we can look to increase the salary sacrifice, which means that it comes out pretty fast. Your employer does it, so you don't sort of have to worry, you know, long term about you making that additional contribution. The alternative is that you can if if you feel like your income sort of fluctuates quite heavily, you can always look to do it as a one off lump sum at the end of the financial year as well and do it as a deductible payment, which means you would just need to put the money aside into a bank account. At the end of the financial year, we see what has gone into super, what additional contributions you can make to kind of bridge the gap between what you've made in the cap, and then you can make that as a one of lump sum. Once that goes into the super fund, we claim a notice of intent, and the deductible contribution actually works as a bit of a tax deduction for you. So if you make a lump sum 5,000 deductible at the end of the financial year, you can then claim that $5,000 back as a tax deduction to help reduce your income a little bit as well. It is just another way of doing it. It does mean that if you do it that way, we need to have the money available at the end of the financial year. It is a lump sum, and you just deposit that. Whereas salary sacrifice is a little bit easier. It's on a regular basis, which provides greater benefit as well with, sorry, the dollar cost averaging side effect of it. It more just comes out of what you're more comfortable doing. Okay. Yep. Yep. Yep. That's okay. Not a problem at all. Yep. Yes. Yes. You just sort of need to work out what the what you're essentially earning on a regular basis, what that is gonna be looking like at the end of the financial year. The at the moment, this financial year, the cap for concessional contributions is $32,500, so it has gone up a bit from last year. Just looking at what the difference is there and then deciding whether you start with maybe 50 or a $100 or whether you increase that to meet the cap and hopefully don't go over. You can also use carry forward. So looking at your super balance here at the moment, you're sitting at 319,000. So you can also look at your myGov account and see if you've got any previous year's tax base called the carry forward contributions. And if you over the past five years, past five financial years, if your employer hasn't put in up to the cap, you may have some additional space left over. And because your balance is under 500,000 as of June 30 last one at two years. Because of your age, you're eligible to use that as well. So that means if you do happen to go over the cap a little bit, as long as you've got some carry forward from previous financial years, that won't be a problem. And yeah. Yeah. Yeah. So let's have a look. Yeah. I can have a look at what you've got. So income wise, you know what you're expecting to earn this financial year total? Sorry. Right. Okay. Okay. So I would probably look to work out on the highest figure. That way, you account for overestimating the employer contributions going into the risk of you going over the cap or having to, you know, go over the cap is lower. So if we're based on a 190,000 for you, your employer now you work in health care. Does your employer normally, in health care, they sometimes do get more than 12% contributions. Do you know if that's slightly higher for yourself? Yep. Sounds about right. Beautiful. So we work on 12.5% based on the income annually of a 190,000 for this financial year. Employer contributions going in would be estimated to be at about 22,800. So then if you wanted to salary sacrifice, increase the cap. Are you sell no. So you're not salary sacrificing the super at the moment. Your salary sacrificing for the mortgage and the leasing. Okay. Beautiful. That's okay. Just have you look at the last fax line to see what I had noted here. Sorry about that. The car. Yep. Yep. That's okay. That $100, is that going in? I'm just looking at how 24 as well going through the transactions. Is that a weekly fortnight as per your pay? How often do you fortnightly? Beautiful. This is Effectively $50 a week. Beautiful. Transactions are loading. Excellent. Okay. So if we look at that $100 on a fortnightly basis with 12.5% employer contributions there, that essentially means that based on the income, your employer contributions are expected to be about 26,350 for the year. If we look to maximize that to the cap on a fortnightly basis, It allows you including the current $100 you're already putting in there, it allows you to maximize the cap by salary sacrificing about $336.54 per fortnight. $36.54. So it's an extra $236.54 per fortnight to maximize the cap. That's based on a 190,000 of income. I would probably just tell them to increase it to an amount and then get them to work out whether that's a certain percentage. Because if you are working on a roster system and your days fluctuate, your hours fluctuate, or your pay fluctuates, it means that the amount that you're gonna be putting in there as a percentage fluctuates and changes as well. So it would be best to say, hey. I wanna increase this amount by $2.36 54 on a fortnightly basis from my pay. Can you just work out the percentage that you need to account for that each week or each fortnight? And they should be able to do that as part of the payroll system. Yeah. Otherwise, if your pay is fluctuating each sort of fortnight and they're asking you to update that, it means that your percentage should be different every fortnight, and you'll spend your whole year trying to recalculate the percentages, actually. Yeah. Yeah. Yeah. So just with yeah. So if we're looking at the three, so $2.36 54, You've still got a long time before access. And so over the next twenty years, it's adding in sorry. $2.36 54. 26. That's an extra $6,000 per year going into super. Over twenty years, it's an extra 123,000, not including growth because growth is different. I'd have to do a projection table up, which I can get done for you and email through if you'd like to see what that looks like. But it adds an extra 123,000 into your fee for over the next twenty three so over the next twenty years, just an additional contribution. If we look at, say, a conservative rate of return of 5% growth on that, It's an extra 6,005. Yeah. I'd have to do a full projection table to factor it in because there's a lot of other things like fees and things to take into account. But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years. That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you. So it does only benefit you long term to have that money going in. The downside is that it does affect your take home pay, so just making sure you're not leaving yourself short because you can't take that money back out if you, you know, choose to. We can do it one of two ways if you wanted to, Janette. I can provide you with, like, an advice document recommending the increase, showing you what that looks like, the advantages, disadvantages, risks involved, the projection table to outline the effect on your super, or you can just let your employer know we can give you the contributions form, and they can just start making that, and we can kind of assess it with you at and your review time. It's up to you with what you'd like to do moving forward. Yep. Right. Yep. Yes. Yeah. Does your husband, sorry, does your husband have super to fall back on? Like, what's his plan when he retires? Okay. The money now. Mhmm. Yep. Yep. Yeah. No. Yeah. I mean, what the best thing to sort of look at when you're thinking about putting money on the mortgage or, say, investing it, one of the big things is to consider the rate of return. So if, for example and because markets do go up and down, even sitting in a term deposit, the return tends to be a little bit lower. If you are putting extra money onto the mortgage and you're, say, paying a 6% return, that's a guaranteed rate of return because you're putting that money into the loan or onto the offset account. As long as it sits there and stays there, it's saving you that 6% interest. If, for example, you put that into an investment account or into your super, there are years when the the super and the investments do get fantastic returns, but we also know the investments has years where there's a lot of ups and downs, and we don't get the return we want. So in years where the return isn't more than 6%, you're the growth you're making on that money is less than what you would have saved in interest in the mortgage. So it also comes down to what your goals are. Realistically, putting money into the mortgage, trying to pay that down as quickly as possible is the best way to go for most people. Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year. Is that still fairly accurate? Okay. Perfect. Perfect. It's definitely down from where we had it, so I'll update that for you. I mean and that is a fairly decent amount to be paying off. And if you wanna have that paid off prior to, you know, you retiring in about twenty years, just without factoring any additional so twenty years. You'd need to pay without any additional interest accumulating, you'd need to get a payoff about $25,000 on a yearly basis, not including interest. So this is 6% interest on 25,000 is, you know, a little bit more. That adds an extra $1,500, 6% of $26,500 there. So you would be paying that on a regular basis, and interest is accumulating daily. So putting the money on the loan, if you're trying to pay it off by the time you retire in twenty years, is a really good way to go, especially if your husband's retiring and you're gonna be the sole breadwinner and income earner and things could be a bit tighter. Putting money on the loan is the best way to go. When I sort of talk to most of my clients, they have trouble saving. Using an offset account is great because you can pull the money back if you need to. But if you are also having trouble saving and use that money and you don't wanna use that money, putting it onto the actual loan and having to redraw it back is also another really good way to go. Because once the money is there, you actually see the balance increasing. It can sort of help to generate those habits a little bit more as well. We all it creates the habits of human beings. We like to see things that are working for us, and when we see the balance decreasing, it kind of makes us feel good, and we wanna keep doing it, keep building on that. That can be a really good way to do that as well knowing that the loan is actually decreasing, not just offsetting the interest. You physically see that occurring, and you know you have to redraw it back. And that can often look be a little bit bigger of a process, And that that's another really good way to kind of pay that loan down a bit quicker as well. But, I mean, I'm happy to definitely look at, you know, the differences between paying the mortgage off versus investing the money, whether it be in super. If that's something you wanted me to look at, we do provide advice in that area for you as well. Yeah. There's so many things to think about. Oh, yeah. Yeah. Can I can yeah? Can I ask you a question? Is your husband a client of ours? Do we hold his paper at all? No. If he wanted if he wanted to maybe have a look at what he's got, what that looks like, you know, what to do with the money, whether it be drawing down in smaller increments on a regular basis, you're welcome to let him like, talk to him, and he can come and sort of speak to us. Obviously, I'm an adviser, so any advice I do provide does have to be in best interest. There might be a point where we recommend he go into a different super fund. We might recommend he stay in the same fund, but I can and do a lot of retirement advice for a lot of my clients. So if you are wanting if he is wanting to look at what he's got, how that works, and maybe how that can supplement what you're earning and how to get longevity and make the most of his so far, he is welcome to come and have a chat with me. I'm honest that if it's, know, not something we can provide personal advice, and I can give him general advice or even strategy paper. If he does decide to come on as a client, we do charge your ongoing service fee percentage, but it's also up to him as well. I just wanna sort of put that out there. And if it's something you guys want help with, we can do that. I can do joint advice for you as well. So it looks at what's happening with yours and also him to kinda give you guys a family aspect or outlook on what's projected with your super with retirement with how everything's going for you both? Okay. That's okay. That's okay. That's all good. Yep. Yeah. Yeah. Yep. Yeah. Yep. Yep. That's absolutely fine. Do maybe do you have a look at your myGov account as well and just see? So when you go into that, if you go into the ATO, then super, you'll have a drop down menu, and it has carry forward contributions. I'm pretty sure you got ATO super and then information, and it has the drop down which has carry forward contributions. And it basically shows you that you're eligible and how much carry forward you have from the previous financial years. So long as you've got extra there, if you accidentally go over the cap, that's absolutely fine. It's just they're making sure that you don't go over the cap because it makes you pay extra tax. So if you did have to go over the cap, they charge you the full yeah. Highest tax margin tax rate with a 15% offset for tax inside super. So you don't wanna end have to pay extra tax for putting that in. It defeats the purpose of putting the money into super. Yeah. Did you are you comfortable just sort of letting your employer know what you wanna do with that, or did you wanna sort of get personal advice to down the contribution side of things? Yep. Yep. Yeah. That's okay. Making you do it every fortnight. Yeah. No. That's okay. And, look, you are due for your annual review in December. If you like, what I could probably do is I can do maybe a catch up with you in, say, three or four months just to sort of see how that salary sacrifice is going, look at what contributions are going in, and maybe just discuss how that's going for you. Does that sound okay? Yep. So I'll do it in about three months for you. That way, we do a halfway point and then your annual review is due in December to make it easier. Okay. Yes. Yep. Yeah. That's absolutely fine. Yeah. That's absolutely fine. Not a problem at all. What I'll do is I'll look at the growth rate based on your current super your current super investment because, obviously, growth rate does change, and that should be a little bit higher than 5%. It could be a little bit less than 10%. So I'll get that projection done up. My team should be able to have it done either today or tomorrow for you, and I'll email through so you can see the difference there. And then, yeah, if you, you know, wanna come back and have a chat, let me know. All of this is just general advice, so we haven't kinda given personal advice. It's not in relation to any of your goals. But if you did wanna just stack your goals in more detail and look at, you know, the contribution side of things, let me know. I'm more than happy to help you with that area, and I'm happy to jump in the advice side of things for you. But, yeah, let me know how you go, and I'll get that projection updated for you. Okay. That's that's okay. Was there any other questions or anything else you wanted to kinda go through at the moment? Or No. Yep. Yep. Yep. Absolutely. Yeah. Do you have a budget plan or a budget that you use for looking at things like that? Okay. If you like, I could send you through our budget plan that we use for our clients. It's a really great it's the like a money smart budget plan. It's all an Excel document. So you can essentially put in everything that you are spending on a regular basis. You can put it in whether it's daily, weekly, monthly, or yearly in whatever it needs to be, and it auto calculates into, you know, monthly, weekly, fortnightly, and annually for you. So it kind of breaks up the payments so you can see exactly what you're spending. And then each, you know, week or fortnight or month, whenever things change, you can update the income coming in, and then you can sort of see and track your surplus cash a little bit easier to sort of see when money is going and how it's also tracking, if that would help you a little bit. Yep. Beautiful. I'll send that through for you with the projection table. It's not a problem at all today. Easy. Lovely. Did you need to send through the did you need to send the contributions form through for the sales back, or it has that already been provided for you? Yep. That's okay. Beautiful. That's okay. If anything changes and you need help with that, let me know. And once I get this email out to you as well, you'll have my direct contact. You can email me back with any additional questions or concerns that you do have as well. Okay? That's okay. You have a lovely day. Thank you for your time. Thanks, Jay. See you later. 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Janae. This is Dana from Oakview Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in for a bit of a catch up in relation to some salary sacrifice. Is now still a good time there for you? Yep. Fantastic. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.\n\nAre you happy for us to proceed with that? Fantastic. And we are discussing your personal information, so I'll just do a quick security check there with you. I'll just need to confirm your full name, your date of birth, and address I should have on file as well. Yep.\n\nYep. Beautiful. Thank you so much for that. Wow. Christmas day, baby.\n\nOh, look. I get it. I use it Christmas day, month, the twenty seventh, so I understand being so close. But, yeah, look, honestly, on Christmas day. No.\n\nAll good. I my colleague Michelle will do it just to have a bit of a chat. You're looking to look at increasing selling sacrifice, I believe, into your super. Yeah. Perfect.\n\nYes. Absolutely. Yep. Yes. Yep.\n\nRight. Yeah. Yep. No. That's okay.\n\nThere are one one of two ways of doing it. So we can look to increase the salary sacrifice, which means that it comes out pretty fast. Your employer does it, so you don't sort of have to worry, you know, long term about you making that additional contribution. The alternative is that you can if if you feel like your income sort of fluctuates quite heavily, you can always look to do it as a one off lump sum at the end of the financial year as well and do it as a deductible payment, which means you would just need to put the money aside into a bank account. At the end of the financial year, we see what has gone into super, what additional contributions you can make to kind of bridge the gap between what you've made in the cap, and then you can make that as a one of lump sum.\n\nOnce that goes into the super fund, we claim a notice of intent, and the deductible contribution actually works as a bit of a tax deduction for you. So if you make a lump sum 5,000 deductible at the end of the financial year, you can then claim that $5,000 back as a tax deduction to help reduce your income a little bit as well. It is just another way of doing it. It does mean that if you do it that way, we need to have the money available at the end of the financial year. It is a lump sum, and you just deposit that.\n\nWhereas salary sacrifice is a little bit easier. It's on a regular basis, which provides greater benefit as well with, sorry, the dollar cost averaging side effect of it. It more just comes out of what you're more comfortable doing. Okay. Yep.\n\nYep. Yep. That's okay. Not a problem at all. Yep.\n\nYes. Yes. You just sort of need to work out what the what you're essentially earning on a regular basis, what that is gonna be looking like at the end of the financial year. The at the moment, this financial year, the cap for concessional contributions is $32,500, so it has gone up a bit from last year. Just looking at what the difference is there and then deciding whether you start with maybe 50 or a $100 or whether you increase that to meet the cap and hopefully don't go over.\n\nYou can also use carry forward. So looking at your super balance here at the moment, you're sitting at 319,000. So you can also look at your myGov account and see if you've got any previous year's tax base called the carry forward contributions. And if you over the past five years, past five financial years, if your employer hasn't put in up to the cap, you may have some additional space left over. And because your balance is under 500,000 as of June 30 last one at two years.\n\nBecause of your age, you're eligible to use that as well. So that means if you do happen to go over the cap a little bit, as long as you've got some carry forward from previous financial years, that won't be a problem. And yeah. Yeah. Yeah.\n\nSo let's have a look. Yeah. I can have a look at what you've got. So income wise, you know what you're expecting to earn this financial year total? Sorry.\n\nRight. Okay. Okay. So I would probably look to work out on the highest figure. That way, you account for overestimating the employer contributions going into the risk of you going over the cap or having to, you know, go over the cap is lower.\n\nSo if we're based on a 190,000 for you, your employer now you work in health care. Does your employer normally, in health care, they sometimes do get more than 12% contributions. Do you know if that's slightly higher for yourself? Yep. Sounds about right.\n\nBeautiful. So we work on 12.5% based on the income annually of a 190,000 for this financial year. Employer contributions going in would be estimated to be at about 22,800. So then if you wanted to salary sacrifice, increase the cap. Are you sell no.\n\nSo you're not salary sacrificing the super at the moment. Your salary sacrificing for the mortgage and the leasing. Okay. Beautiful. That's okay.\n\nJust have you look at the last fax line to see what I had noted here. Sorry about that. The car. Yep. Yep.\n\nThat's okay. That $100, is that going in? I'm just looking at how 24 as well going through the transactions. Is that a weekly fortnight as per your pay? How often do you fortnightly?\n\nBeautiful. This is Effectively $50 a week. Beautiful. Transactions are loading. Excellent.\n\nOkay. So if we look at that $100 on a fortnightly basis with 12.5% employer contributions there, that essentially means that based on the income, your employer contributions are expected to be about 26,350 for the year. If we look to maximize that to the cap on a fortnightly basis, It allows you including the current $100 you're already putting in there, it allows you to maximize the cap by salary sacrificing about $336.54 per fortnight. $36.54. So it's an extra $236.54 per fortnight to maximize the cap.\n\nThat's based on a 190,000 of income. I would probably just tell them to increase it to an amount and then get them to work out whether that's a certain percentage. Because if you are working on a roster system and your days fluctuate, your hours fluctuate, or your pay fluctuates, it means that the amount that you're gonna be putting in there as a percentage fluctuates and changes as well. So it would be best to say, hey. I wanna increase this amount by $2.36 54 on a fortnightly basis from my pay.\n\nCan you just work out the percentage that you need to account for that each week or each fortnight? And they should be able to do that as part of the payroll system. Yeah. Otherwise, if your pay is fluctuating each sort of fortnight and they're asking you to update that, it means that your percentage should be different every fortnight, and you'll spend your whole year trying to recalculate the percentages, actually. Yeah.\n\nYeah. Yeah. So just with yeah. So if we're looking at the three, so $2.36 54, You've still got a long time before access. And so over the next twenty years, it's adding in sorry.\n\n$2.36 54. 26. That's an extra $6,000 per year going into super. Over twenty years, it's an extra 123,000, not including growth because growth is different. I'd have to do a projection table up, which I can get done for you and email through if you'd like to see what that looks like.\n\nBut it adds an extra 123,000 into your fee for over the next twenty three so over the next twenty years, just an additional contribution. If we look at, say, a conservative rate of return of 5% growth on that, It's an extra 6,005. Yeah. I'd have to do a full projection table to factor it in because there's a lot of other things like fees and things to take into account. But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years.\n\nThat then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you. So it does only benefit you long term to have that money going in. The downside is that it does affect your take home pay, so just making sure you're not leaving yourself short because you can't take that money back out if you, you know, choose to. We can do it one of two ways if you wanted to, Janette. I can provide you with, like, an advice document recommending the increase, showing you what that looks like, the advantages, disadvantages, risks involved, the projection table to outline the effect on your super, or you can just let your employer know we can give you the contributions form, and they can just start making that, and we can kind of assess it with you at and your review time.\n\nIt's up to you with what you'd like to do moving forward. Yep. Right. Yep. Yes.\n\nYeah. Does your husband, sorry, does your husband have super to fall back on? Like, what's his plan when he retires? Okay. The money now.\n\nMhmm. Yep. Yep. Yeah. No.\n\nYeah. I mean, what the best thing to sort of look at when you're thinking about putting money on the mortgage or, say, investing it, one of the big things is to consider the rate of return. So if, for example and because markets do go up and down, even sitting in a term deposit, the return tends to be a little bit lower. If you are putting extra money onto the mortgage and you're, say, paying a 6% return, that's a guaranteed rate of return because you're putting that money into the loan or onto the offset account. As long as it sits there and stays there, it's saving you that 6% interest.\n\nIf, for example, you put that into an investment account or into your super, there are years when the the super and the investments do get fantastic returns, but we also know the investments has years where there's a lot of ups and downs, and we don't get the return we want. So in years where the return isn't more than 6%, you're the growth you're making on that money is less than what you would have saved in interest in the mortgage. So it also comes down to what your goals are. Realistically, putting money into the mortgage, trying to pay that down as quickly as possible is the best way to go for most people. Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year.\n\nIs that still fairly accurate? Okay. Perfect. Perfect. It's definitely down from where we had it, so I'll update that for you.\n\nI mean and that is a fairly decent amount to be paying off. And if you wanna have that paid off prior to, you know, you retiring in about twenty years, just without factoring any additional so twenty years. You'd need to pay without any additional interest accumulating, you'd need to get a payoff about $25,000 on a yearly basis, not including interest. So this is 6% interest on 25,000 is, you know, a little bit more. That adds an extra $1,500, 6% of $26,500 there.\n\nSo you would be paying that on a regular basis, and interest is accumulating daily. So putting the money on the loan, if you're trying to pay it off by the time you retire in twenty years, is a really good way to go, especially if your husband's retiring and you're gonna be the sole breadwinner and income earner and things could be a bit tighter. Putting money on the loan is the best way to go. When I sort of talk to most of my clients, they have trouble saving. Using an offset account is great because you can pull the money back if you need to.\n\nBut if you are also having trouble saving and use that money and you don't wanna use that money, putting it onto the actual loan and having to redraw it back is also another really good way to go. Because once the money is there, you actually see the balance increasing. It can sort of help to generate those habits a little bit more as well. We all it creates the habits of human beings. We like to see things that are working for us, and when we see the balance decreasing, it kind of makes us feel good, and we wanna keep doing it, keep building on that.\n\nThat can be a really good way to do that as well knowing that the loan is actually decreasing, not just offsetting the interest. You physically see that occurring, and you know you have to redraw it back. And that can often look be a little bit bigger of a process, And that that's another really good way to kind of pay that loan down a bit quicker as well. But, I mean, I'm happy to definitely look at, you know, the differences between paying the mortgage off versus investing the money, whether it be in super. If that's something you wanted me to look at, we do provide advice in that area for you as well.\n\nYeah. There's so many things to think about. Oh, yeah. Yeah. Can I can yeah?\n\nCan I ask you a question? Is your husband a client of ours? Do we hold his paper at all? No. If he wanted if he wanted to maybe have a look at what he's got, what that looks like, you know, what to do with the money, whether it be drawing down in smaller increments on a regular basis, you're welcome to let him like, talk to him, and he can come and sort of speak to us.\n\nObviously, I'm an adviser, so any advice I do provide does have to be in best interest. There might be a point where we recommend he go into a different super fund. We might recommend he stay in the same fund, but I can and do a lot of retirement advice for a lot of my clients. So if you are wanting if he is wanting to look at what he's got, how that works, and maybe how that can supplement what you're earning and how to get longevity and make the most of his so far, he is welcome to come and have a chat with me. I'm honest that if it's, know, not something we can provide personal advice, and I can give him general advice or even strategy paper.\n\nIf he does decide to come on as a client, we do charge your ongoing service fee percentage, but it's also up to him as well. I just wanna sort of put that out there. And if it's something you guys want help with, we can do that. I can do joint advice for you as well. So it looks at what's happening with yours and also him to kinda give you guys a family aspect or outlook on what's projected with your super with retirement with how everything's going for you both?\n\nOkay. That's okay. That's okay. That's all good. Yep.\n\nYeah. Yeah. Yep. Yeah. Yep.\n\nYep. That's absolutely fine. Do maybe do you have a look at your myGov account as well and just see? So when you go into that, if you go into the ATO, then super, you'll have a drop down menu, and it has carry forward contributions. I'm pretty sure you got ATO super and then information, and it has the drop down which has carry forward contributions.\n\nAnd it basically shows you that you're eligible and how much carry forward you have from the previous financial years. So long as you've got extra there, if you accidentally go over the cap, that's absolutely fine. It's just they're making sure that you don't go over the cap because it makes you pay extra tax. So if you did have to go over the cap, they charge you the full yeah. Highest tax margin tax rate with a 15% offset for tax inside super.\n\nSo you don't wanna end have to pay extra tax for putting that in. It defeats the purpose of putting the money into super. Yeah. Did you are you comfortable just sort of letting your employer know what you wanna do with that, or did you wanna sort of get personal advice to down the contribution side of things? Yep.\n\nYep. Yeah. That's okay. Making you do it every fortnight. Yeah.\n\nNo. That's okay. And, look, you are due for your annual review in December. If you like, what I could probably do is I can do maybe a catch up with you in, say, three or four months just to sort of see how that salary sacrifice is going, look at what contributions are going in, and maybe just discuss how that's going for you. Does that sound okay?\n\nYep. So I'll do it in about three months for you. That way, we do a halfway point and then your annual review is due in December to make it easier. Okay. Yes.\n\nYep. Yeah. That's absolutely fine. Yeah. That's absolutely fine.\n\nNot a problem at all. What I'll do is I'll look at the growth rate based on your current super your current super investment because, obviously, growth rate does change, and that should be a little bit higher than 5%. It could be a little bit less than 10%. So I'll get that projection done up. My team should be able to have it done either today or tomorrow for you, and I'll email through so you can see the difference there.\n\nAnd then, yeah, if you, you know, wanna come back and have a chat, let me know. All of this is just general advice, so we haven't kinda given personal advice. It's not in relation to any of your goals. But if you did wanna just stack your goals in more detail and look at, you know, the contribution side of things, let me know. I'm more than happy to help you with that area, and I'm happy to jump in the advice side of things for you.\n\nBut, yeah, let me know how you go, and I'll get that projection updated for you. Okay. That's that's okay. Was there any other questions or anything else you wanted to kinda go through at the moment? Or No.\n\nYep. Yep. Yep. Absolutely. Yeah.\n\nDo you have a budget plan or a budget that you use for looking at things like that? Okay. If you like, I could send you through our budget plan that we use for our clients. It's a really great it's the like a money smart budget plan. It's all an Excel document.\n\nSo you can essentially put in everything that you are spending on a regular basis. You can put it in whether it's daily, weekly, monthly, or yearly in whatever it needs to be, and it auto calculates into, you know, monthly, weekly, fortnightly, and annually for you. So it kind of breaks up the payments so you can see exactly what you're spending. And then each, you know, week or fortnight or month, whenever things change, you can update the income coming in, and then you can sort of see and track your surplus cash a little bit easier to sort of see when money is going and how it's also tracking, if that would help you a little bit. Yep.\n\nBeautiful. I'll send that through for you with the projection table. It's not a problem at all today. Easy. Lovely.\n\nDid you need to send through the did you need to send the contributions form through for the sales back, or it has that already been provided for you? Yep. That's okay. Beautiful. That's okay.\n\nIf anything changes and you need help with that, let me know. And once I get this email out to you as well, you'll have my direct contact. You can email me back with any additional questions or concerns that you do have as well. Okay? That's okay.\n\nYou have a lovely day. Thank you for your time. Thanks, Jay. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Janae.","start":2.72,"end":3.36,"sentiment":"neutral","sentiment_score":0.14796675741672516},{"text":"This is Dana from Oakview Financial.","start":3.36,"end":4.98,"sentiment":"neutral","sentiment_score":0.16296417017777762},{"text":"How are you today?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.22005752474069595},{"text":"I'm very well.","start":8.24,"end":9.12,"sentiment":"positive","sentiment_score":0.6435762246449789},{"text":"Thank you.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6843675076961517}],"sentiment":"neutral","sentiment_score":0.3207889602464788,"num_words":17,"start":2.72,"end":9.76},{"sentences":[{"text":"I had you booked in for a bit of a catch up in relation to some salary sacrifice.","start":9.76,"end":13.28,"sentiment":"neutral","sentiment_score":0.16019883089595371},{"text":"Is now still a good time there for you?","start":13.28,"end":15.299999,"sentiment":"neutral","sentiment_score":0.22011859549416435},{"text":"Yep.","start":17.295,"end":17.795,"sentiment":"neutral","sentiment_score":0.26041707396507263},{"text":"Fantastic.","start":17.855,"end":18.355,"sentiment":"positive","sentiment_score":0.6046983003616333},{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":19.615,"end":24.435,"sentiment":"neutral","sentiment_score":0.08992317221734834}],"sentiment":"neutral","sentiment_score":0.14996143559423777,"num_words":52,"start":9.76,"end":24.435},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":24.494999,"end":26.595,"sentiment":"neutral","sentiment_score":0.15711043692297405},{"text":"Fantastic.","start":28.029999,"end":28.529999,"sentiment":"positive","sentiment_score":0.42808622121810913},{"text":"And we are discussing your personal information, so I'll just do a quick security check there with you.","start":28.59,"end":32.51,"sentiment":"neutral","sentiment_score":0.16706758365035057},{"text":"I'll just need to confirm your full name, your date of birth, and address I should have on file as well.","start":32.51,"end":37.01,"sentiment":"neutral","sentiment_score":0.09656160608643577},{"text":"Yep.","start":39.39,"end":39.89,"sentiment":"neutral","sentiment_score":0.024283817037940025}],"sentiment":"neutral","sentiment_score":0.13802748408168555,"num_words":50,"start":24.494999,"end":39.89},{"sentences":[{"text":"Yep.","start":41.825,"end":42.325,"sentiment":"neutral","sentiment_score":0.05243593081831932},{"text":"Beautiful.","start":45.665,"end":46.165,"sentiment":"positive","sentiment_score":0.5779168605804443},{"text":"Thank you so much for that.","start":46.225,"end":47.345,"sentiment":"positive","sentiment_score":0.7088669141133627},{"text":"Wow.","start":47.345,"end":47.665,"sentiment":"neutral","sentiment_score":0.2943200170993805},{"text":"Christmas day, baby.","start":47.665,"end":48.965,"sentiment":"neutral","sentiment_score":0.19875530898571014}],"sentiment":"positive","sentiment_score":0.4811783516779542,"num_words":12,"start":41.825,"end":48.965},{"sentences":[{"text":"Oh, look.","start":52.225,"end":52.625,"sentiment":"neutral","sentiment_score":0.1124115101993084},{"text":"I get it.","start":52.625,"end":53.445,"sentiment":"neutral","sentiment_score":0.10835172235965729},{"text":"I use it Christmas day, month, the twenty seventh, so I understand being so close.","start":53.600002,"end":58.48,"sentiment":"neutral","sentiment_score":0.06249746022125085},{"text":"But, yeah, look, honestly, on Christmas day.","start":58.48,"end":60.9,"sentiment":"neutral","sentiment_score":0.04014421147959573},{"text":"No.","start":62.4,"end":62.9,"sentiment":"neutral","sentiment_score":-0.05289547145366669}],"sentiment":"neutral","sentiment_score":0.06126621784642339,"num_words":28,"start":52.225,"end":62.9},{"sentences":[{"text":"All good.","start":63.2,"end":64.020004,"sentiment":"neutral","sentiment_score":0.049532392993569374},{"text":"I my colleague Michelle will do it just to have a bit of a chat.","start":64.32,"end":66.96,"sentiment":"neutral","sentiment_score":0.023661941041549048},{"text":"You're looking to look at increasing selling sacrifice, I believe, into your 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okay.","start":137.525,"end":138.265,"sentiment":"positive","sentiment_score":0.3452328145503998}],"sentiment":"neutral","sentiment_score":0.2677900195121765,"num_words":6,"start":123.69,"end":138.265},{"sentences":[{"text":"There are one one of two ways of doing it.","start":139.845,"end":142.08499,"sentiment":"positive","sentiment_score":0.3602000743150711},{"text":"So we can look to increase the salary sacrifice, which means that it comes out pretty fast.","start":142.08499,"end":146.39,"sentiment":"positive","sentiment_score":0.4920533720184775},{"text":"Your employer does it, so you don't sort of have to worry, you know, long term about you making that additional contribution.","start":146.39,"end":152.25,"sentiment":"positive","sentiment_score":0.4220939955928109},{"text":"The alternative is that you can if if you feel like your income sort of fluctuates quite heavily, you can always look to do it as a one off lump sum at the end of the financial year as well and do it as a deductible payment, which means you would just need to put the money aside into a bank account.","start":153.51,"end":170.17499,"sentiment":"neutral","sentiment_score":0.27639621508217627},{"text":"At the end of the financial year, we see what has gone into super, what additional contributions you can make to kind of bridge the gap between what you've made in the cap, and then you can make that as a one of lump sum.","start":170.68,"end":184.14,"sentiment":"neutral","sentiment_score":0.2798296206527286}],"sentiment":"neutral","sentiment_score":0.32680688612163067,"num_words":156,"start":139.845,"end":184.14},{"sentences":[{"text":"Once that goes into the super fund, we claim a notice of intent, and the deductible contribution actually works as a bit of a tax deduction for you.","start":184.49501,"end":193.615,"sentiment":"neutral","sentiment_score":0.3155525518315179},{"text":"So if you make a lump sum 5,000 deductible at the end of the financial year, you can then claim that $5,000 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benefit as well with, sorry, the dollar cost averaging side effect of it.","start":218.805,"end":225.14499,"sentiment":"positive","sentiment_score":0.5302886948699043},{"text":"It more just comes out of what you're more comfortable doing.","start":225.605,"end":228.42499,"sentiment":"neutral","sentiment_score":0.16032767973162912},{"text":"Okay.","start":232.66,"end":233.16,"sentiment":"neutral","sentiment_score":-0.11299733072519302},{"text":"Yep.","start":240.18001,"end":240.68001,"sentiment":"neutral","sentiment_score":-0.162751704454422}],"sentiment":"neutral","sentiment_score":0.3013656946076524,"num_words":42,"start":215.44499,"end":240.68001},{"sentences":[{"text":"Yep.","start":242.475,"end":242.975,"sentiment":"neutral","sentiment_score":-0.12383132427930832},{"text":"Yep.","start":243.515,"end":244.015,"sentiment":"neutral","sentiment_score":0.013123559765517712},{"text":"That's okay.","start":244.075,"end":244.895,"sentiment":"neutral","sentiment_score":0.05518307536840439},{"text":"Not a problem at all.","start":245.035,"end":246.415,"sentiment":"neutral","sentiment_score":-0.11825358271598815},{"text":"Yep.","start":265.04,"end":265.44,"sentiment":"neutral","sentiment_score":0.0011145982425659895}],"sentiment":"neutral","sentiment_score":-0.059049492911435665,"num_words":10,"start":242.475,"end":265.44},{"sentences":[{"text":"Yes.","start":265.44,"end":265.94,"sentiment":"neutral","sentiment_score":0.033401764929294586},{"text":"Yes.","start":268.165,"end":268.565,"sentiment":"neutral","sentiment_score":0.1080976203083992},{"text":"You just sort of need to work out what the what you're essentially earning on a regular basis, what that is gonna be looking like at the end of the financial year.","start":268.565,"end":279.065,"sentiment":"neutral","sentiment_score":0.024155203922418877},{"text":"The at the moment, this financial year, the cap for concessional contributions is $32,500, so it has gone up a bit from last year.","start":279.99,"end":287.83,"sentiment":"neutral","sentiment_score":-0.037567372511451445},{"text":"Just looking at what the difference is there and then deciding whether you start with maybe 50 or a $100 or whether you increase that to meet the cap and hopefully don't go over.","start":287.83,"end":297.655,"sentiment":"neutral","sentiment_score":-0.06437993213972625}],"sentiment":"neutral","sentiment_score":-0.023652920894243794,"num_words":92,"start":265.44,"end":297.655},{"sentences":[{"text":"You can also use carry forward.","start":298.355,"end":300.435,"sentiment":"neutral","sentiment_score":0.09620874064664046},{"text":"So looking at your super balance here at the moment, you're sitting at 319,000.","start":300.435,"end":305.415,"sentiment":"neutral","sentiment_score":0.13058832553880556},{"text":"So you can also look at your myGov account and see if you've got any previous year's tax base called the carry forward contributions.","start":305.77,"end":314.75,"sentiment":"neutral","sentiment_score":0.13070025543371835},{"text":"And if you over the past five years, past five financial years, if your employer hasn't put in up to the cap, you may have some additional space left over.","start":315.84998,"end":324.825,"sentiment":"neutral","sentiment_score":0.06584374567804237},{"text":"And because your balance is under 500,000 as of June 30 last one at two years.","start":324.825,"end":330.68,"sentiment":"neutral","sentiment_score":0.25911129731684923}],"sentiment":"neutral","sentiment_score":0.12959320288048023,"num_words":90,"start":298.355,"end":330.68},{"sentences":[{"text":"Because of your age, you're eligible to use that as well.","start":330.9,"end":334.1,"sentiment":"neutral","sentiment_score":0.3071763136170127},{"text":"So that means if you do happen to go over the cap a little bit, as long as you've got some carry forward from previous financial years, that won't be a problem.","start":334.1,"end":341.88,"sentiment":"neutral","sentiment_score":0.3044945811852813},{"text":"And yeah.","start":342.9,"end":344.12,"sentiment":"neutral","sentiment_score":0.10743659362196922},{"text":"Yeah.","start":344.34,"end":344.84,"sentiment":"neutral","sentiment_score":0.09909112006425858},{"text":"Yeah.","start":355.655,"end":356.135,"sentiment":"neutral","sentiment_score":0.04352005571126938}],"sentiment":"neutral","sentiment_score":0.2868138385262895,"num_words":47,"start":330.9,"end":356.135},{"sentences":[{"text":"So let's have a look.","start":356.135,"end":357.515,"sentiment":"neutral","sentiment_score":0.051900479942560196},{"text":"Yeah.","start":360.15,"end":360.47,"sentiment":"neutral","sentiment_score":0.08145907521247864},{"text":"I can have a look at what you've got.","start":360.47,"end":361.83,"sentiment":"neutral","sentiment_score":0.08665905147790909},{"text":"So income wise, you know what you're expecting to earn this financial year total?","start":361.83,"end":366.00998,"sentiment":"neutral","sentiment_score":0.04208381287753582},{"text":"Sorry.","start":367.66998,"end":368.16998,"sentiment":"neutral","sentiment_score":-0.08470556139945984}],"sentiment":"neutral","sentiment_score":0.054178691903750104,"num_words":30,"start":356.135,"end":368.16998},{"sentences":[{"text":"Right.","start":376.855,"end":377.355,"sentiment":"neutral","sentiment_score":0.005464857444167137},{"text":"Okay.","start":377.415,"end":377.915,"sentiment":"neutral","sentiment_score":0.036834754049777985},{"text":"Okay.","start":382.42,"end":382.92,"sentiment":"neutral","sentiment_score":0.04141012951731682},{"text":"So I would probably look to work out on the highest figure.","start":383.54,"end":386.5,"sentiment":"neutral","sentiment_score":0.08110837855686744},{"text":"That way, you account for overestimating the employer contributions going into the risk of you going over the cap or having to, you know, go over the cap is lower.","start":386.5,"end":398.285,"sentiment":"neutral","sentiment_score":0.01706645985444387}],"sentiment":"neutral","sentiment_score":0.034866757318377496,"num_words":45,"start":376.855,"end":398.285},{"sentences":[{"text":"So if we're based on a 190,000 for you, your employer now you work in health care.","start":398.285,"end":405.74503,"sentiment":"neutral","sentiment_score":0.0367253767874311},{"text":"Does your employer normally, in health care, they sometimes do get more than 12% contributions.","start":408.285,"end":413.06,"sentiment":"neutral","sentiment_score":0.02362436441083749},{"text":"Do you know if that's slightly higher for yourself?","start":413.2,"end":415.46002,"sentiment":"neutral","sentiment_score":-0.002618202422228124},{"text":"Yep.","start":418.08002,"end":418.56,"sentiment":"neutral","sentiment_score":0.05392025038599968},{"text":"Sounds about right.","start":418.56,"end":419.7,"sentiment":"neutral","sentiment_score":0.08915593847632408}],"sentiment":"neutral","sentiment_score":0.028367135901417997,"num_words":45,"start":398.285,"end":419.7},{"sentences":[{"text":"Beautiful.","start":420.48,"end":420.98,"sentiment":"neutral","sentiment_score":0.33266764879226685},{"text":"So we work on 12.5% based on the income annually of a 190,000 for this financial year.","start":421.36002,"end":428.225,"sentiment":"neutral","sentiment_score":0.12557943515917835},{"text":"Employer contributions going in would be estimated to be at about 22,800.","start":429.325,"end":436.065,"sentiment":"neutral","sentiment_score":0.05318822121868531},{"text":"So then if you wanted to salary sacrifice, increase the cap.","start":437.005,"end":441.665,"sentiment":"neutral","sentiment_score":-0.04728235710750927},{"text":"Are you sell no.","start":443.69998,"end":445.06,"sentiment":"neutral","sentiment_score":-0.16283461451530457}],"sentiment":"neutral","sentiment_score":0.04298516255286005,"num_words":45,"start":420.48,"end":445.06},{"sentences":[{"text":"So you're not salary sacrificing the super at the moment.","start":445.06,"end":447.22,"sentiment":"neutral","sentiment_score":-0.14384144619107248},{"text":"Your salary sacrificing for the mortgage and the leasing.","start":447.22,"end":453.08,"sentiment":"neutral","sentiment_score":-0.0994739615254932},{"text":"Okay.","start":456.195,"end":456.695,"sentiment":"neutral","sentiment_score":0.3273169994354248},{"text":"Beautiful.","start":456.995,"end":457.495,"sentiment":"positive","sentiment_score":0.657535195350647},{"text":"That's okay.","start":457.555,"end":458.455,"sentiment":"positive","sentiment_score":0.40613631904125214}],"sentiment":"neutral","sentiment_score":-0.023328490555286407,"num_words":23,"start":445.06,"end":458.455},{"sentences":[{"text":"Just have you look at the last fax line to see what I had noted here.","start":458.51498,"end":461.235,"sentiment":"neutral","sentiment_score":0.009062868892215192},{"text":"Sorry about that.","start":461.235,"end":462.215,"sentiment":"neutral","sentiment_score":-0.18039849400520325},{"text":"The car.","start":465.875,"end":466.615,"sentiment":"neutral","sentiment_score":-0.03871330805122852},{"text":"Yep.","start":466.835,"end":467.335,"sentiment":"neutral","sentiment_score":0.004964938387274742},{"text":"Yep.","start":468.11,"end":468.50998,"sentiment":"neutral","sentiment_score":0.03699883073568344}],"sentiment":"neutral","sentiment_score":-0.018767496813898502,"num_words":23,"start":458.51498,"end":468.50998},{"sentences":[{"text":"That's okay.","start":468.50998,"end":469.33,"sentiment":"neutral","sentiment_score":0.09759867191314697},{"text":"That $100, is that going in?","start":470.11,"end":471.78998,"sentiment":"neutral","sentiment_score":0.03114400338381529},{"text":"I'm just looking at how 24 as well going through the transactions.","start":471.78998,"end":474.77,"sentiment":"neutral","sentiment_score":0.027413134463131428},{"text":"Is that a weekly fortnight as per your pay?","start":474.83,"end":477.55,"sentiment":"neutral","sentiment_score":0.0014087404900540907},{"text":"How often do you fortnightly?","start":477.55,"end":479.97,"sentiment":"neutral","sentiment_score":0.0001567622646689415}],"sentiment":"neutral","sentiment_score":0.021308278041782185,"num_words":34,"start":468.50998,"end":479.97},{"sentences":[{"text":"Beautiful.","start":480.27,"end":480.77,"sentiment":"neutral","sentiment_score":0.3253971338272095},{"text":"This is Effectively $50 a week.","start":480.90997,"end":483.655,"sentiment":"neutral","sentiment_score":0.2012658640742302},{"text":"Beautiful.","start":483.795,"end":484.295,"sentiment":"positive","sentiment_score":0.6983761787414551},{"text":"Transactions are loading.","start":484.515,"end":485.635,"sentiment":"positive","sentiment_score":0.5531415144602457},{"text":"Excellent.","start":485.635,"end":486.135,"sentiment":"positive","sentiment_score":0.5961325168609619}],"sentiment":"positive","sentiment_score":0.37391046310464543,"num_words":12,"start":480.27,"end":486.135},{"sentences":[{"text":"Okay.","start":486.595,"end":486.995,"sentiment":"neutral","sentiment_score":0.22300228476524353},{"text":"So if we look at that $100 on a fortnightly basis with 12.5% employer contributions there, that essentially means that based on the income, your employer contributions are expected to be about 26,350 for the year.","start":486.995,"end":504.59,"sentiment":"neutral","sentiment_score":0.07129771976421277},{"text":"If we look to maximize that to the cap on a fortnightly basis, It allows you including the current $100 you're already putting in there, it allows you to maximize the cap by salary sacrificing about $336.54 per fortnight.","start":505.12997,"end":521.995,"sentiment":"neutral","sentiment_score":0.07580136825354436},{"text":"$36.54.","start":524.66,"end":526.36,"sentiment":"neutral","sentiment_score":0.010993719100952148},{"text":"So it's an extra $236.54 per fortnight to maximize the cap.","start":527.77997,"end":532.5,"sentiment":"neutral","sentiment_score":0.037292170846326786}],"sentiment":"neutral","sentiment_score":0.07008160405199636,"num_words":88,"start":486.595,"end":532.5},{"sentences":[{"text":"That's based on a 190,000 of income.","start":532.5,"end":535.24,"sentiment":"neutral","sentiment_score":0.052227090512003214},{"text":"I would probably just tell them to increase it to an amount and then get them to work out whether that's a certain percentage.","start":553.56,"end":560.52,"sentiment":"neutral","sentiment_score":0.0069396893959492445},{"text":"Because if you are working on a roster system and your days fluctuate, your hours fluctuate, or your pay fluctuates, it means that the amount that you're gonna be putting in there as a percentage fluctuates and changes as well.","start":560.52,"end":572.975,"sentiment":"neutral","sentiment_score":-0.015687171020545065},{"text":"So it would be best to say, hey.","start":572.975,"end":574.65497,"sentiment":"neutral","sentiment_score":0.035657505970448256},{"text":"I wanna increase this amount by $2.36 54 on a fortnightly basis from my pay.","start":574.65497,"end":581.02,"sentiment":"neutral","sentiment_score":0.0667356883486112}],"sentiment":"neutral","sentiment_score":0.012669688417635699,"num_words":94,"start":532.5,"end":581.02},{"sentences":[{"text":"Can you just work out the percentage that you need to account for that each week or each fortnight?","start":581.32,"end":585.72003,"sentiment":"neutral","sentiment_score":0.10333909721750963},{"text":"And they should be able to do that as part of the payroll system.","start":585.72003,"end":588.54,"sentiment":"neutral","sentiment_score":0.1651222620691572},{"text":"Yeah.","start":590.205,"end":590.705,"sentiment":"positive","sentiment_score":0.4567972421646118},{"text":"Otherwise, if your pay is fluctuating each sort of fortnight and they're asking you to update that, it means that your percentage should be different every fortnight, and you'll spend your whole year trying to recalculate the percentages, actually.","start":591.005,"end":602.54504,"sentiment":"neutral","sentiment_score":0.06098056280722794},{"text":"Yeah.","start":607.3,"end":607.8,"sentiment":"neutral","sentiment_score":0.1648712009191513}],"sentiment":"neutral","sentiment_score":0.0983116879549532,"num_words":74,"start":581.32,"end":607.8},{"sentences":[{"text":"Yeah.","start":608.74,"end":609.24,"sentiment":"neutral","sentiment_score":0.2428441345691681},{"text":"Yeah.","start":617.705,"end":618.185,"sentiment":"neutral","sentiment_score":0.15985605120658877},{"text":"So just with yeah.","start":618.185,"end":622.445,"sentiment":"neutral","sentiment_score":0.1596936620771885},{"text":"So if we're looking at the three, so $2.36 54, You've still got a long time before access.","start":622.905,"end":632.07,"sentiment":"neutral","sentiment_score":-0.012989826189974943},{"text":"And so over the next twenty years, it's adding in sorry.","start":632.07,"end":635.85,"sentiment":"neutral","sentiment_score":-0.040577965026552025}],"sentiment":"neutral","sentiment_score":0.010322867067796844,"num_words":35,"start":608.74,"end":635.85},{"sentences":[{"text":"$2.36 54.","start":635.91,"end":637.69,"sentiment":"neutral","sentiment_score":-0.01258411817252636},{"text":"26.","start":638.31,"end":639.02997,"sentiment":"neutral","sentiment_score":0.002628203481435776},{"text":"That's an extra $6,000 per year going into super.","start":639.02997,"end":642.17,"sentiment":"neutral","sentiment_score":0.053629041028519474},{"text":"Over twenty years, it's an extra 123,000, not including growth because growth is different.","start":642.905,"end":650.025,"sentiment":"neutral","sentiment_score":-0.022091772673385485},{"text":"I'd have to do a projection table up, which I can get done for you and email through if you'd like to see what that looks like.","start":650.025,"end":655.16504,"sentiment":"neutral","sentiment_score":0.05512238762996815}],"sentiment":"neutral","sentiment_score":0.03092718839575097,"num_words":53,"start":635.91,"end":655.16504},{"sentences":[{"text":"But it adds an extra 123,000 into your fee for over the next twenty three so over the next twenty years, just an additional contribution.","start":655.85,"end":663.63,"sentiment":"neutral","sentiment_score":0.10304165691137314},{"text":"If we look at, say, a conservative rate of return of 5% growth on that, It's an extra 6,005.","start":665.20996,"end":676.785,"sentiment":"neutral","sentiment_score":0.08983290764062028},{"text":"Yeah.","start":682.20496,"end":682.70496,"sentiment":"neutral","sentiment_score":0.05691136792302132},{"text":"I'd have to do a full projection table to factor it in because there's a lot of other things like fees and things to take into account.","start":682.86,"end":688.72,"sentiment":"neutral","sentiment_score":0.05514941640474178},{"text":"But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years.","start":689.42,"end":697.68,"sentiment":"neutral","sentiment_score":0.1408353258262981}],"sentiment":"neutral","sentiment_score":0.0949701004998481,"num_words":94,"start":655.85,"end":697.68},{"sentences":[{"text":"That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you.","start":698.015,"end":704.335,"sentiment":"neutral","sentiment_score":0.1788661598187426},{"text":"So it does only benefit you long term to have that money going in.","start":704.335,"end":708.03503,"sentiment":"positive","sentiment_score":0.5277928858995438},{"text":"The downside is that it does affect your take home pay, so just making sure you're not leaving yourself short because you can't take that money back out if you, you know, choose to.","start":708.09503,"end":717.09,"sentiment":"negative","sentiment_score":-0.3811732686179526},{"text":"We can do it one of two ways if you wanted to, Janette.","start":717.63,"end":720.19,"sentiment":"neutral","sentiment_score":0.25907459396582383},{"text":"I can provide you with, like, an advice document recommending the increase, showing you what that looks like, the advantages, disadvantages, risks involved, the projection table to outline the effect on your super, or you can just let your employer know we can give you the contributions form, and they can just start making that, and we can kind of assess it with you at and your review time.","start":720.19,"end":742.14,"sentiment":"neutral","sentiment_score":0.2441040228890336}],"sentiment":"neutral","sentiment_score":0.12257698200204793,"num_words":153,"start":698.015,"end":742.14},{"sentences":[{"text":"It's up to you with what you'd like to do moving forward.","start":742.14,"end":745.28,"sentiment":"neutral","sentiment_score":0.21571977560718855},{"text":"Yep.","start":754.635,"end":755.135,"sentiment":"neutral","sentiment_score":0.08441360294818878},{"text":"Right.","start":760.315,"end":760.815,"sentiment":"neutral","sentiment_score":0.04520738869905472},{"text":"Yep.","start":763.35504,"end":763.85504,"sentiment":"neutral","sentiment_score":0.07987076044082642},{"text":"Yes.","start":772.17,"end":772.67,"sentiment":"neutral","sentiment_score":0.08311866223812103}],"sentiment":"neutral","sentiment_score":0.18007798260077834,"num_words":16,"start":742.14,"end":772.67},{"sentences":[{"text":"Yeah.","start":777.12994,"end":777.62994,"sentiment":"neutral","sentiment_score":0.05826600641012192},{"text":"Does your husband, sorry, does your husband have super to fall back on?","start":777.68994,"end":782.175,"sentiment":"neutral","sentiment_score":-0.013614473434594961},{"text":"Like, what's his plan when he retires?","start":782.175,"end":783.95496,"sentiment":"neutral","sentiment_score":-0.029197035756494318},{"text":"Okay.","start":784.575,"end":785.075,"sentiment":"neutral","sentiment_score":-0.04244469106197357},{"text":"The money now.","start":792.67,"end":793.65,"sentiment":"neutral","sentiment_score":0.019644278412063915}],"sentiment":"neutral","sentiment_score":-0.012264530174434185,"num_words":25,"start":777.12994,"end":793.65},{"sentences":[{"text":"Mhmm.","start":794.43,"end":794.93,"sentiment":"neutral","sentiment_score":0.00657278299331665},{"text":"Yep.","start":795.31,"end":795.81,"sentiment":"neutral","sentiment_score":0.024708718061447144},{"text":"Yep.","start":798.11,"end":798.61,"sentiment":"neutral","sentiment_score":-0.007353703491389752},{"text":"Yeah.","start":807.885,"end":808.385,"sentiment":"neutral","sentiment_score":-0.10511857271194458},{"text":"No.","start":818.24,"end":818.74,"sentiment":"neutral","sentiment_score":-0.12890028953552246}],"sentiment":"neutral","sentiment_score":-0.0420182129368186,"num_words":5,"start":794.43,"end":818.74},{"sentences":[{"text":"Yeah.","start":821.84,"end":822.34,"sentiment":"neutral","sentiment_score":-0.03587529435753822},{"text":"I mean, what the best thing to sort of look at when you're thinking about putting money on the mortgage or, say, investing it, one of the big things is to consider the rate of return.","start":830.64496,"end":839.305,"sentiment":"neutral","sentiment_score":0.01664508879184723},{"text":"So if, for example and because markets do go up and down, even sitting in a term deposit, the return tends to be a little bit lower.","start":839.365,"end":846.9,"sentiment":"neutral","sentiment_score":0.0038455588122208915},{"text":"If you are putting extra money onto the mortgage and you're, say, paying a 6% return, that's a guaranteed rate of return because you're putting that money into the loan or onto the offset account.","start":847.92004,"end":858.16003,"sentiment":"neutral","sentiment_score":0.06540401790823255},{"text":"As long as it sits there and stays there, it's saving you that 6% interest.","start":858.16003,"end":862.715,"sentiment":"neutral","sentiment_score":0.07503910586237908}],"sentiment":"neutral","sentiment_score":0.035806186007041683,"num_words":114,"start":821.84,"end":862.715},{"sentences":[{"text":"If, for example, you put that into an investment account or into your super, there are years when the the super and the investments do get fantastic returns, but we also know the investments has years where there's a lot of ups and downs, and we don't get the return we want.","start":863.335,"end":877.05005,"sentiment":"neutral","sentiment_score":-0.01597087260765525},{"text":"So in years where the return isn't more than 6%, you're the growth you're making on that money is less than what you would have saved in interest in the mortgage.","start":877.05005,"end":886.59,"sentiment":"neutral","sentiment_score":-0.13391414597149817},{"text":"So it also comes down to what your goals are.","start":886.65,"end":889.83496,"sentiment":"neutral","sentiment_score":0.04249368458986282},{"text":"Realistically, putting money into the mortgage, trying to pay that down as quickly as possible is the best way to go for most people.","start":889.83496,"end":896.175,"sentiment":"neutral","sentiment_score":0.22307518186668554},{"text":"Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year.","start":897.675,"end":904.53,"sentiment":"neutral","sentiment_score":0.03370349150564936}],"sentiment":"neutral","sentiment_score":0.010396890052490764,"num_words":135,"start":863.335,"end":904.53},{"sentences":[{"text":"Is that still fairly accurate?","start":904.53,"end":905.91003,"sentiment":"neutral","sentiment_score":0.030557918548583984},{"text":"Okay.","start":909.57,"end":910.07,"sentiment":"neutral","sentiment_score":0.21168705821037292},{"text":"Perfect.","start":910.13,"end":910.61,"sentiment":"positive","sentiment_score":0.5459752678871155},{"text":"Perfect.","start":910.61,"end":910.93,"sentiment":"positive","sentiment_score":0.5146223902702332},{"text":"It's definitely down from where we had it, so I'll update that for you.","start":910.93,"end":914.23004,"sentiment":"neutral","sentiment_score":0.12670587162886346}],"sentiment":"neutral","sentiment_score":0.14540711417794228,"num_words":22,"start":904.53,"end":914.23004},{"sentences":[{"text":"I mean and that is a fairly decent amount to be paying off.","start":914.71497,"end":917.755,"sentiment":"positive","sentiment_score":0.34297238232997745},{"text":"And if you wanna have that paid off prior to, you know, you retiring in about twenty years, just without factoring any additional so twenty years.","start":917.755,"end":929.21497,"sentiment":"neutral","sentiment_score":0.07421297214638728},{"text":"You'd need to pay without any additional interest accumulating, you'd need to get a payoff about $25,000 on a yearly basis, not including interest.","start":931.08997,"end":940.29,"sentiment":"neutral","sentiment_score":0.043828731150521584},{"text":"So this is 6% interest on 25,000 is, you know, a little bit more.","start":940.29,"end":945.015,"sentiment":"neutral","sentiment_score":0.08958704370473113},{"text":"That adds an extra $1,500, 6% of $26,500 there.","start":945.015,"end":952.215,"sentiment":"neutral","sentiment_score":0.1317345624168714}],"sentiment":"neutral","sentiment_score":0.11488252868984154,"num_words":86,"start":914.71497,"end":952.215},{"sentences":[{"text":"So you would be paying that on a regular basis, and interest is accumulating daily.","start":952.215,"end":956.775,"sentiment":"neutral","sentiment_score":0.12080559879541397},{"text":"So putting the money on the loan, if you're trying to pay it off by the time you retire in twenty years, is a really good way to go, especially if your husband's retiring and you're gonna be the sole breadwinner and income earner and things could be a bit tighter.","start":956.775,"end":971.35004,"sentiment":"positive","sentiment_score":0.33467694094368056},{"text":"Putting money on the loan is the best way to go.","start":971.675,"end":973.935,"sentiment":"neutral","sentiment_score":0.19612189687111162},{"text":"When I sort of talk to most of my clients, they have trouble saving.","start":975.51495,"end":978.81494,"sentiment":"neutral","sentiment_score":0.20001965495092527},{"text":"Using an offset account is great because you can pull the money back if you need to.","start":979.115,"end":982.95496,"sentiment":"neutral","sentiment_score":0.2910831737167695}],"sentiment":"neutral","sentiment_score":0.26654294405684426,"num_words":108,"start":952.215,"end":982.95496},{"sentences":[{"text":"But if you are also having trouble saving and use that money and you don't wanna use that money, putting it onto the actual loan and having to redraw it back is also another really good way to go.","start":982.95496,"end":994.57,"sentiment":"neutral","sentiment_score":0.14265560678755626},{"text":"Because once the money is there, you actually see the balance increasing.","start":994.57,"end":998.19,"sentiment":"positive","sentiment_score":0.4596690833568573},{"text":"It can sort of help to generate those habits a little bit more as well.","start":999.275,"end":1003.195,"sentiment":"positive","sentiment_score":0.550252765417099},{"text":"We all it creates the habits of human beings.","start":1003.195,"end":1005.59503,"sentiment":"positive","sentiment_score":0.4626238942146301},{"text":"We like to see things that are working for us, and when we see the balance decreasing, it kind of makes us feel good, and we wanna keep doing it, keep building on that.","start":1005.59503,"end":1014.41504,"sentiment":"positive","sentiment_score":0.5845280456192353}],"sentiment":"positive","sentiment_score":0.3978986949104508,"num_words":109,"start":982.95496,"end":1014.41504},{"sentences":[{"text":"That can be a really good way to do that as well knowing that the loan is actually decreasing, not just offsetting the interest.","start":1014.62,"end":1021.68,"sentiment":"neutral","sentiment_score":0.30470868075887364},{"text":"You physically see that occurring, and you know you have to redraw it back.","start":1021.82,"end":1025.58,"sentiment":"neutral","sentiment_score":0.13609352707862854},{"text":"And that can often look be a little bit bigger of a process, And that that's another really good way to kind of pay that loan down a bit quicker as well.","start":1025.58,"end":1034.165,"sentiment":"positive","sentiment_score":0.4375281808897853},{"text":"But, I mean, I'm happy to definitely look at, you know, the differences between paying the mortgage off versus investing the money, whether it be in super.","start":1034.165,"end":1041.525,"sentiment":"positive","sentiment_score":0.4587675139859871},{"text":"If that's something you wanted me to look at, we do provide advice in that area for you as well.","start":1041.525,"end":1045.865,"sentiment":"positive","sentiment_score":0.39375747442245485}],"sentiment":"positive","sentiment_score":0.37163326386203116,"num_words":117,"start":1014.62,"end":1045.865},{"sentences":[{"text":"Yeah.","start":1057.1,"end":1057.6,"sentiment":"neutral","sentiment_score":-0.03731902316212654},{"text":"There's so many things to think about.","start":1059.0349,"end":1061.0549,"sentiment":"neutral","sentiment_score":-0.06898097002080508},{"text":"Oh, yeah.","start":1065.355,"end":1066.255,"sentiment":"neutral","sentiment_score":-0.02977939322590828},{"text":"Yeah.","start":1073.29,"end":1073.79,"sentiment":"neutral","sentiment_score":-0.050239838659763336},{"text":"Can I can yeah?","start":1075.85,"end":1077.85,"sentiment":"neutral","sentiment_score":-0.05543209053575992}],"sentiment":"neutral","sentiment_score":-0.05678085337082545,"num_words":15,"start":1057.1,"end":1077.85},{"sentences":[{"text":"Can I ask you a question?","start":1077.85,"end":1078.8099,"sentiment":"neutral","sentiment_score":-0.002581015539666017},{"text":"Is your husband a client of ours?","start":1078.8099,"end":1080.57,"sentiment":"neutral","sentiment_score":-0.008831002483410495},{"text":"Do we hold his paper at all?","start":1080.57,"end":1082.41,"sentiment":"neutral","sentiment_score":-0.04905408541006701},{"text":"No.","start":1082.41,"end":1082.91,"sentiment":"neutral","sentiment_score":-0.08337938785552979},{"text":"If he wanted if he wanted to maybe have a look at what he's got, what that looks like, you know, what to do with the money, whether it be drawing down in smaller increments on a regular basis, you're welcome to let him like, talk to him, and he can come and sort of speak to us.","start":1083.165,"end":1097.3251,"sentiment":"neutral","sentiment_score":0.07097921208960228}],"sentiment":"neutral","sentiment_score":0.04573080006138056,"num_words":79,"start":1077.85,"end":1097.3251},{"sentences":[{"text":"Obviously, I'm an adviser, so any advice I do provide does have to be in best interest.","start":1097.3251,"end":1102.88,"sentiment":"neutral","sentiment_score":0.10372694669400945},{"text":"There might be a point where we recommend he go into a different super fund.","start":1103.1001,"end":1106.54,"sentiment":"neutral","sentiment_score":0.033679779370625815},{"text":"We might recommend he stay in the same fund, but I can and do a lot of retirement advice for a lot of my clients.","start":1106.54,"end":1113.04,"sentiment":"neutral","sentiment_score":0.15743845254182814},{"text":"So if you are wanting if he is wanting to look at what he's got, how that works, and maybe how that can supplement what you're earning and how to get longevity and make the most of his so far, he is welcome to come and have a chat with me.","start":1114.2051,"end":1126.525,"sentiment":"neutral","sentiment_score":0.27362344735393335},{"text":"I'm honest that if it's, know, not something we can provide personal advice, and I can give him general advice or even strategy paper.","start":1126.525,"end":1132.64,"sentiment":"neutral","sentiment_score":0.12926601975535354}],"sentiment":"neutral","sentiment_score":0.17622497262941164,"num_words":132,"start":1097.3251,"end":1132.64},{"sentences":[{"text":"If he does decide to come on as a client, we do charge your ongoing service fee percentage, but it's also up to him as well.","start":1133.1799,"end":1139.8999,"sentiment":"neutral","sentiment_score":0.16319177758235198},{"text":"I just wanna sort of put that out there.","start":1139.8999,"end":1141.275,"sentiment":"neutral","sentiment_score":0.292129259970453},{"text":"And if it's something you guys want help with, we can do that.","start":1141.275,"end":1143.915,"sentiment":"neutral","sentiment_score":0.30603998555586887},{"text":"I can do joint advice for you as well.","start":1143.915,"end":1145.915,"sentiment":"positive","sentiment_score":0.3651670383082496},{"text":"So it looks at what's happening with yours and also him to kinda give you guys a family aspect or outlook on what's projected with your super with retirement with how everything's going for you both?","start":1145.915,"end":1157.4501,"sentiment":"neutral","sentiment_score":0.2800924028787348}],"sentiment":"neutral","sentiment_score":0.26043547545709916,"num_words":93,"start":1133.1799,"end":1157.4501},{"sentences":[{"text":"Okay.","start":1165.27,"end":1165.77,"sentiment":"neutral","sentiment_score":-0.078626349568367},{"text":"That's okay.","start":1167.2849,"end":1168.105,"sentiment":"neutral","sentiment_score":0.02469722428941168},{"text":"That's okay.","start":1168.1649,"end":1168.985,"sentiment":"neutral","sentiment_score":0.10944129154086113},{"text":"That's all good.","start":1169.0449,"end":1170.345,"sentiment":"neutral","sentiment_score":-0.001902118946115176},{"text":"Yep.","start":1179.6849,"end":1180.1849,"sentiment":"neutral","sentiment_score":0.015034139156341553}],"sentiment":"neutral","sentiment_score":0.022108718267797183,"num_words":9,"start":1165.27,"end":1180.1849},{"sentences":[{"text":"Yeah.","start":1182.35,"end":1182.85,"sentiment":"neutral","sentiment_score":0.014054866507649422},{"text":"Yeah.","start":1183.23,"end":1183.73,"sentiment":"neutral","sentiment_score":0.03406887501478195},{"text":"Yep.","start":1193.63,"end":1194.13,"sentiment":"neutral","sentiment_score":0.04755343124270439},{"text":"Yeah.","start":1209.2201,"end":1209.7201,"sentiment":"neutral","sentiment_score":0.02928631380200386},{"text":"Yep.","start":1211.78,"end":1212.28,"sentiment":"neutral","sentiment_score":0.049456920474767685}],"sentiment":"neutral","sentiment_score":0.034884081408381465,"num_words":5,"start":1182.35,"end":1212.28},{"sentences":[{"text":"Yep.","start":1213.06,"end":1213.56,"sentiment":"neutral","sentiment_score":0.17541871964931488},{"text":"That's absolutely fine.","start":1213.7001,"end":1215.16,"sentiment":"positive","sentiment_score":0.41762174169222516},{"text":"Do maybe do you have a look at your myGov account as well and just see?","start":1215.2201,"end":1218.5801,"sentiment":"neutral","sentiment_score":0.09624054851155961},{"text":"So when you go into that, if you go into the ATO, then super, you'll have a drop down menu, and it has carry forward contributions.","start":1218.5801,"end":1226.145,"sentiment":"neutral","sentiment_score":0.05554255556601744},{"text":"I'm pretty sure you got ATO super and then information, and it has the drop down which has carry forward contributions.","start":1226.285,"end":1233.745,"sentiment":"neutral","sentiment_score":0.12293096383412679}],"sentiment":"neutral","sentiment_score":0.10438491650961283,"num_words":67,"start":1213.06,"end":1233.745},{"sentences":[{"text":"And it basically shows you that you're eligible and how much carry forward you have from the previous financial years.","start":1233.9651,"end":1240.89,"sentiment":"neutral","sentiment_score":0.13842184990644454},{"text":"So long as you've got extra there, if you accidentally go over the cap, that's absolutely fine.","start":1241.51,"end":1246.81,"sentiment":"neutral","sentiment_score":0.1800302407320808},{"text":"It's just they're making sure that you don't go over the cap because it makes you pay extra tax.","start":1247.51,"end":1254.2749,"sentiment":"neutral","sentiment_score":-0.00842068971771943},{"text":"So if you did have to go over the cap, they charge you the full yeah.","start":1254.2749,"end":1258.2949,"sentiment":"neutral","sentiment_score":0.004453031928278506},{"text":"Highest tax margin tax rate with a 15% offset for tax inside super.","start":1258.355,"end":1262.755,"sentiment":"neutral","sentiment_score":0.08805427385064271}],"sentiment":"neutral","sentiment_score":0.08099896537468713,"num_words":85,"start":1233.9651,"end":1262.755},{"sentences":[{"text":"So you don't wanna end have to pay extra tax for putting that in.","start":1262.755,"end":1265.83,"sentiment":"neutral","sentiment_score":-0.07988831507308143},{"text":"It defeats the purpose of putting the money into super.","start":1265.83,"end":1268.33,"sentiment":"neutral","sentiment_score":-0.31193228960037234},{"text":"Yeah.","start":1270.47,"end":1270.95,"sentiment":"neutral","sentiment_score":0.13970135152339935},{"text":"Did you are you comfortable just sort of letting your employer know what you wanna do with that, or did you wanna sort of get personal advice to down the contribution side of things?","start":1270.95,"end":1279.61,"sentiment":"neutral","sentiment_score":0.032253100591547346},{"text":"Yep.","start":1284.335,"end":1284.835,"sentiment":"neutral","sentiment_score":0.0324961394071579}],"sentiment":"neutral","sentiment_score":-0.049482606599728265,"num_words":60,"start":1262.755,"end":1284.835},{"sentences":[{"text":"Yep.","start":1285.7749,"end":1286.2749,"sentiment":"neutral","sentiment_score":0.04216513037681579},{"text":"Yeah.","start":1289.855,"end":1290.255,"sentiment":"neutral","sentiment_score":0.04076509550213814},{"text":"That's okay.","start":1290.255,"end":1291.075,"sentiment":"neutral","sentiment_score":0.07511293143033981},{"text":"Making you do it every fortnight.","start":1295.5499,"end":1297.01,"sentiment":"neutral","sentiment_score":0.059544071555137634},{"text":"Yeah.","start":1299.63,"end":1300.0299,"sentiment":"neutral","sentiment_score":0.14501358568668363}],"sentiment":"neutral","sentiment_score":0.06685764579610391,"num_words":11,"start":1285.7749,"end":1300.0299},{"sentences":[{"text":"No.","start":1300.0299,"end":1300.27,"sentiment":"neutral","sentiment_score":0.03856002166867256},{"text":"That's okay.","start":1300.27,"end":1301.07,"sentiment":"neutral","sentiment_score":0.07626428455114365},{"text":"And, look, you are due for your annual review in December.","start":1301.07,"end":1303.97,"sentiment":"neutral","sentiment_score":0.07554226571863348},{"text":"If you like, what I could probably do is I can do maybe a catch up with you in, say, three or four months just to sort of see how that salary sacrifice is going, look at what contributions are going in, and maybe just discuss how that's going for you.","start":1304.785,"end":1319.66,"sentiment":"neutral","sentiment_score":0.13145641544285944},{"text":"Does that sound okay?","start":1319.66,"end":1320.88,"sentiment":"neutral","sentiment_score":0.1818634755909443}],"sentiment":"neutral","sentiment_score":0.12251861744384834,"num_words":69,"start":1300.0299,"end":1320.88},{"sentences":[{"text":"Yep.","start":1322.9401,"end":1323.26,"sentiment":"neutral","sentiment_score":0.09407675266265868},{"text":"So I'll do it in about three months for you.","start":1323.26,"end":1325.02,"sentiment":"neutral","sentiment_score":0.09148830771446229},{"text":"That way, we do a halfway point and then your annual review is due in December to make it easier.","start":1325.02,"end":1330.0,"sentiment":"neutral","sentiment_score":0.13292623572051526},{"text":"Okay.","start":1330.3,"end":1330.8,"sentiment":"neutral","sentiment_score":0.1315915584564209},{"text":"Yes.","start":1335.0449,"end":1335.5449,"sentiment":"neutral","sentiment_score":0.058761902153491974}],"sentiment":"neutral","sentiment_score":0.11690418196446968,"num_words":33,"start":1322.9401,"end":1335.5449},{"sentences":[{"text":"Yep.","start":1342.1649,"end":1342.6649,"sentiment":"neutral","sentiment_score":0.08725300431251526},{"text":"Yeah.","start":1346.9501,"end":1347.27,"sentiment":"neutral","sentiment_score":-0.010857617482542992},{"text":"That's absolutely fine.","start":1347.27,"end":1348.5701,"sentiment":"neutral","sentiment_score":0.02832549313704173},{"text":"Yeah.","start":1352.4701,"end":1352.79,"sentiment":"neutral","sentiment_score":0.1389709115028381},{"text":"That's absolutely fine.","start":1352.79,"end":1353.91,"sentiment":"neutral","sentiment_score":0.22256777187188467}],"sentiment":"neutral","sentiment_score":0.1075606770399544,"num_words":9,"start":1342.1649,"end":1353.91},{"sentences":[{"text":"Not a problem at all.","start":1353.91,"end":1354.79,"sentiment":"neutral","sentiment_score":0.20024978816509248},{"text":"What I'll do is I'll look at the growth rate based on your current super your current super investment because, obviously, growth rate does change, and that should be a little bit higher than 5%.","start":1354.79,"end":1366.865,"sentiment":"neutral","sentiment_score":0.04317069037684373},{"text":"It could be a little bit less than 10%.","start":1366.865,"end":1368.905,"sentiment":"neutral","sentiment_score":0.015989021501607366},{"text":"So I'll get that projection done up.","start":1368.905,"end":1370.905,"sentiment":"neutral","sentiment_score":0.11446585612637657},{"text":"My team should be able to have it done either today or tomorrow for you, and I'll email through so you can see the difference there.","start":1370.905,"end":1376.7,"sentiment":"neutral","sentiment_score":0.12920039175794676}],"sentiment":"neutral","sentiment_score":0.08312921312342329,"num_words":82,"start":1353.91,"end":1376.7},{"sentences":[{"text":"And then, yeah, if you, you know, wanna come back and have a chat, let me know.","start":1377.24,"end":1380.9199,"sentiment":"neutral","sentiment_score":0.1403244501527618},{"text":"All of this is just general advice, so we haven't kinda given personal advice.","start":1380.9199,"end":1384.44,"sentiment":"neutral","sentiment_score":0.03531116007694176},{"text":"It's not in relation to any of your goals.","start":1384.44,"end":1386.38,"sentiment":"neutral","sentiment_score":0.03791988061534034},{"text":"But if you did wanna just stack your goals in more detail and look at, you know, the contribution side of things, let me know.","start":1386.6799,"end":1392.435,"sentiment":"neutral","sentiment_score":0.11923445791006088},{"text":"I'm more than happy to help you with that area, and I'm happy to jump in the advice side of things for you.","start":1392.435,"end":1399.3151,"sentiment":"positive","sentiment_score":0.48163942927899567}],"sentiment":"neutral","sentiment_score":0.1963604447770525,"num_words":88,"start":1377.24,"end":1399.3151},{"sentences":[{"text":"But, yeah, let me know how you go, and I'll get that projection updated for you.","start":1399.3151,"end":1402.995,"sentiment":"neutral","sentiment_score":0.26420011278241873},{"text":"Okay.","start":1402.995,"end":1403.495,"sentiment":"positive","sentiment_score":0.3646044135093689},{"text":"That's that's okay.","start":1405.11,"end":1406.31,"sentiment":"positive","sentiment_score":0.399593581755956},{"text":"Was there any other questions or anything else you wanted to kinda go through at the moment?","start":1406.31,"end":1409.67,"sentiment":"neutral","sentiment_score":0.109182567719151},{"text":"Or No.","start":1409.67,"end":1412.73,"sentiment":"neutral","sentiment_score":-0.13350131548941135}],"sentiment":"neutral","sentiment_score":0.1892227688087867,"num_words":39,"start":1399.3151,"end":1412.73},{"sentences":[{"text":"Yep.","start":1413.99,"end":1414.49,"sentiment":"neutral","sentiment_score":-0.08488243073225021},{"text":"Yep.","start":1416.645,"end":1417.145,"sentiment":"neutral","sentiment_score":-0.1315511167049408},{"text":"Yep.","start":1421.8451,"end":1422.3451,"sentiment":"neutral","sentiment_score":-0.1937435120344162},{"text":"Absolutely.","start":1430.6901,"end":1431.1901,"sentiment":"neutral","sentiment_score":-0.01680649071931839},{"text":"Yeah.","start":1432.13,"end":1432.63,"sentiment":"neutral","sentiment_score":0.02725948765873909}],"sentiment":"neutral","sentiment_score":-0.0799448125064373,"num_words":5,"start":1413.99,"end":1432.63},{"sentences":[{"text":"Do you have a budget plan or a budget that you use for looking at things like that?","start":1433.09,"end":1437.91,"sentiment":"neutral","sentiment_score":0.03263024054467678},{"text":"Okay.","start":1440.05,"end":1440.55,"sentiment":"neutral","sentiment_score":0.06266048550605774},{"text":"If you like, I could send you through our budget plan that we use for our clients.","start":1442.395,"end":1446.495,"sentiment":"neutral","sentiment_score":0.13320572849582224},{"text":"It's a really great it's the like a money smart budget plan.","start":1446.875,"end":1450.715,"sentiment":"positive","sentiment_score":0.4468485663334529},{"text":"It's all an Excel document.","start":1450.715,"end":1452.075,"sentiment":"neutral","sentiment_score":0.2808494508266449}],"sentiment":"neutral","sentiment_score":0.1826590990542241,"num_words":53,"start":1433.09,"end":1452.075},{"sentences":[{"text":"So you can essentially put in everything that you are spending on a regular basis.","start":1452.075,"end":1457.14,"sentiment":"neutral","sentiment_score":0.2461543728907903},{"text":"You can put it in whether it's daily, weekly, monthly, or yearly in whatever it needs to be, and it auto calculates into, you know, monthly, weekly, fortnightly, and annually for you.","start":1457.6,"end":1467.6,"sentiment":"neutral","sentiment_score":0.14991229376755655},{"text":"So it kind of breaks up the payments so you can see exactly what you're spending.","start":1467.6,"end":1470.9,"sentiment":"neutral","sentiment_score":0.14247128553688526},{"text":"And then each, you know, week or fortnight or month, whenever things change, you can update the income coming in, and then you can sort of see and track your surplus cash a little bit easier to sort of see when money is going and how it's also tracking, if that would help you a little bit.","start":1471.335,"end":1487.2,"sentiment":"neutral","sentiment_score":0.10251374954455778},{"text":"Yep.","start":1487.34,"end":1487.84,"sentiment":"neutral","sentiment_score":0.27252811193466187}],"sentiment":"neutral","sentiment_score":0.13954430907841556,"num_words":121,"start":1452.075,"end":1487.84},{"sentences":[{"text":"Beautiful.","start":1489.26,"end":1489.74,"sentiment":"positive","sentiment_score":0.6332457065582275},{"text":"I'll send that through for you with the projection table.","start":1489.74,"end":1492.64,"sentiment":"positive","sentiment_score":0.3821254432201385},{"text":"It's not a problem at all today.","start":1492.7,"end":1494.38,"sentiment":"positive","sentiment_score":0.39167762654168264},{"text":"Easy.","start":1494.38,"end":1494.88,"sentiment":"positive","sentiment_score":0.393917441368103},{"text":"Lovely.","start":1495.885,"end":1496.205,"sentiment":"positive","sentiment_score":0.6775424480438232}],"sentiment":"positive","sentiment_score":0.4133851706981659,"num_words":20,"start":1489.26,"end":1496.205},{"sentences":[{"text":"Did you need to send through the did you need to send the contributions form through for the sales back, or it has that already been provided for you?","start":1496.205,"end":1503.905,"sentiment":"neutral","sentiment_score":0.06872392047582002},{"text":"Yep.","start":1509.26,"end":1509.76,"sentiment":"neutral","sentiment_score":0.00447180587798357},{"text":"That's okay.","start":1512.46,"end":1513.36,"sentiment":"neutral","sentiment_score":-0.0045400019735097885},{"text":"Beautiful.","start":1516.38,"end":1516.88,"sentiment":"positive","sentiment_score":0.6192102432250977},{"text":"That's okay.","start":1517.1,"end":1517.66,"sentiment":"positive","sentiment_score":0.3707478493452072}],"sentiment":"neutral","sentiment_score":0.09568832678986447,"num_words":35,"start":1496.205,"end":1517.66},{"sentences":[{"text":"If anything changes and you need help with that, let me know.","start":1517.66,"end":1520.54,"sentiment":"neutral","sentiment_score":0.09181333084901173},{"text":"And once I get this email out to you as well, you'll have my direct contact.","start":1520.54,"end":1523.715,"sentiment":"neutral","sentiment_score":0.11712850444018841},{"text":"You can email me back with any additional questions or concerns that you do have as well.","start":1523.875,"end":1527.815,"sentiment":"neutral","sentiment_score":0.13603266153265448},{"text":"Okay?","start":1529.315,"end":1529.815,"sentiment":"positive","sentiment_score":0.4246830344200134},{"text":"That's okay.","start":1530.115,"end":1530.835,"sentiment":"positive","sentiment_score":0.46100494265556335}],"sentiment":"neutral","sentiment_score":0.13823050431286296,"num_words":48,"start":1517.66,"end":1530.835},{"sentences":[{"text":"You have a lovely day.","start":1530.835,"end":1532.115,"sentiment":"positive","sentiment_score":0.6092159450054169},{"text":"Thank you for your time.","start":1532.115,"end":1533.335,"sentiment":"positive","sentiment_score":0.5301572501659393},{"text":"Thanks, Jay.","start":1534.275,"end":1534.9149,"sentiment":"neutral","sentiment_score":0.2743684649467468},{"text":"See you later.","start":1534.9149,"end":1535.5549,"sentiment":"neutral","sentiment_score":0.20025138556957245},{"text":"Bye.","start":1535.5549,"end":1536.0549,"sentiment":"neutral","sentiment_score":0.10026440024375916}],"sentiment":"positive","sentiment_score":0.43416384141892195,"num_words":16,"start":1530.835,"end":1536.0549}]}}]},{"alternatives":[{"transcript":"Hello? Janae speaking. Yeah. Good. Thanks, Dana. How are you? Yes. Yes, please. Yeah. Yes. Yep. Yep. Janae O'Sullivan. Twenty fifth of the twelfth nineteen eighty three. May. Yeah. Yes. Lucky me. Yes. Yep. Yep. Yeah. Yeah. So I thought I've got that, and I might just talk to you about some other short term things I've got going on as well if that's okay. So, yeah, I thought it might be a good idea long term if I just increase to the maximum that I can salary sacrifice. I don't think from what I can see, it's gonna make a huge difference to me week to week. Like, I think it's not gonna be all that noticeable. My my my wage varies so much fortnight to fortnight that I kind of, you know, just get used to dealing with what I've got. So it can kind of my net payment, you know, can be a minimum of $4,000 a fortnight and but this week, it was $6,200 a fortnight. So I think yeah, it's I don't know. I I just think that might be a good way for me to long term get some more money into super without it affecting me too much now. Yes. Yes. Yeah. Yeah. I think I have to sell salary like, I'm not a very good saver. If I've got money sitting in the bank account there, I'm just gonna be like, oh, I need that for something blah blah blah, and I'll just end up spending it. So I think I need to I need it kinda gone before I see it. Yeah. I think so do you know what so I could just because, you know, because they take out whatever the percentage that goes to super, I can't really use a percentage because my my wage varies so much. So I kinda just need to say to them, take out this much every fortnight, don't I? Like, 12 $100 or whatever the whatever it's gonna be. Mhmm. Yep. Yep. Yeah. Yeah. Okay. Yeah. Yeah. So I was thinking I would just ask them to so what's, like, 32,000 divided by 26 fortnights? It's, like, 12 $100 or something of a fortnight. Not really. It's just it varies. Like, last financial year, I my growth was a 194,000, but I had back pay and stuff like that in there and a pay rise. So it could it could be anywhere between a 160 and a 190 growth. Yeah. Yeah. Yeah. Yep. I think it's 12.5. Yeah. Yep. Yeah. And I am salary sacrificing an extra $100 into my super as well. Yeah. And I've also got my car. My car is also salary sacrifice late as well. So Fortnight yeah. Fortnightly with my pay. Yep. Okay. Okay. So but what's the what's the easiest way for me to kinda increase it? Do I just tell my employee to increase a percentage or just to an an amount of fortnight? Is that Yeah. Yep. Yep. Okay. Alrighty. Cool. Okay. Yeah. Yeah. That's what I thought. So I can't yeah. Alright. So okay. Cool. Alright. I'll do that. And can you tell me what sort of difference that's gonna make to my super in, like, ten years or fifteen years. I'm doing if I stick with that extra contribution for the whole time. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Maybe maybe we'll yeah. Maybe we'll just do that. Yeah. Like yeah. So my financial situation will change in a few years when so my husband will be retiring probably within the next three or four years. So he will he will essentially become a dependent, but my son will also become an adult. So he'll be one less dependent, but I also need to kind of be saving money for him to go to university and all those things. So I'm kind of not not a lot. Yeah. Not a lot. He'll be dependent upon me. So yeah. So I kind of would need to make the most use of his money and my money now in the next couple of years while he still got a good income. And initially, I was kind of making these, you know, extra repayments on the house. And then I was like, oh, what am I doing? It just feels like you're throwing money in the bin. Like, you know, my minimum repayment is $1,500 a fortnight, and I've been paying $2,500 a fortnight. And it just doesn't seem to make a dent. And I know that's just because it's early on in the kind of mortgage phase, but it's I don't know whether I should be doing something different with that money or rather than putting it on the mortgage. Yeah. Yeah. Yeah. Yeah. 500,000 almost exactly. So No. Yeah. Okay. Yeah. Yeah. Yeah. Yep. Okay. Yeah. Yep. Okay. Yeah. Yeah. I think I just maybe I don't know. I don't know. I'm gonna do lots of factors. I think there's lots of, yeah, factors going on in the next couple of years. So yeah. Like, I'm gonna have to get a new car at some point and that kind of stuff as well. So I'm like, oh, yeah. I need to probably just get everything done. I need to get done before my husband retires and then figure out, yeah, get out, you know, not have it. Yep. Yep. No. No. No. No. Yeah. Yeah. Yeah. No. That's okay. Look, he's got bugger all any soap that we use. A big chunk of his soap that's by our house, so it's not yeah. Not much there. Yeah. So I think I've just gotta figure out how I can yeah. I'll get my son out of the house and then, you know, lose one dependent and gain another dependent. And, yeah, just, yeah, reduce our expenses in a couple of years. So but, yeah, in the meantime, I think I just wanna pay off, yeah, pay off a car loan, his car loan, think about getting myself a new car, which I'll need in the next twelve months probably. Yeah. And a few things like that. So yeah. Alright. Long term wise with my super though, I think, yeah, that's because I'm not a good saver, I think for me, I need to just, yep, make that extra contribution before I even see it and learn to live with what that looks like in my take home pay. Yep. Yep. Yep. Yep. Yeah. Yep. I don't wanna do that. No. No. Yeah. Yeah. Absolutely. Yep. Okay. Alright. No. It should be okay. I've just gotta do an electronic thing in health. That's all. Everything's just electronic. So I'll just let them know and see what they come back with. And hope hopefully, they can manage it without yeah. Yeah. Yeah. Exactly. Yeah. Yeah. Cool. Okay. Okay. Yep. Yeah. That sounds good. Yep. Yeah. Awesome. And can you do some projections for me? Can you show me kind of what what it's gonna look like, say, at 5% or and at 10%, you know, growth with that extra contribution at fifteen years. I'd like to retire when I'm 60, if I'm honest. I don't wanna go a day over 60 as soon as I can access my Subaru. I wanna retire. So, Yeah. Yep. Yeah. Yeah. Yep. Yeah. That would be great. Yes. Yes. Okay. Amazing. Thank you. That's awesome. No. That's good. I think I'll just get this sorted, and I'm just gonna have to sit down and look at look at it's so annoying. Sometimes I wish I just had a straight salary, like, that was the same all the time. It's, like, yeah, it's great that I can earn extra money, but it also makes it very hard to kind of budget where everything's going. Yeah. Yeah. Yeah. A piece of paper and a pen is what what I use. So yep. Yep. Yeah. Yep. Yeah. That would be great. Thank you. Okay. Great. Thank you so much. I think I can just do it on my work thing, I think. Do I need it from you? No. I think that should be right to do it. I just needed that USI number which someone gave me last week, so that's fine. Yep. Yep. Cool. Yep. Awesome. Thank you so much. Okay. You too. Thanks, Dana. Bye. 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Janae speaking. Yeah. Good. Thanks, Dana.\n\nHow are you? Yes. Yes, please. Yeah. Yes.\n\nYep. Yep. Janae O'Sullivan. Twenty fifth of the twelfth nineteen eighty three. May.\n\nYeah. Yes. Lucky me. Yes. Yep.\n\nYep. Yeah. Yeah. So I thought I've got that, and I might just talk to you about some other short term things I've got going on as well if that's okay. So, yeah, I thought it might be a good idea long term if I just increase to the maximum that I can salary sacrifice.\n\nI don't think from what I can see, it's gonna make a huge difference to me week to week. Like, I think it's not gonna be all that noticeable. My my my wage varies so much fortnight to fortnight that I kind of, you know, just get used to dealing with what I've got. So it can kind of my net payment, you know, can be a minimum of $4,000 a fortnight and but this week, it was $6,200 a fortnight. So I think yeah, it's I don't know.\n\nI I just think that might be a good way for me to long term get some more money into super without it affecting me too much now. Yes. Yes. Yeah. Yeah.\n\nI think I have to sell salary like, I'm not a very good saver. If I've got money sitting in the bank account there, I'm just gonna be like, oh, I need that for something blah blah blah, and I'll just end up spending it. So I think I need to I need it kinda gone before I see it. Yeah. I think so do you know what so I could just because, you know, because they take out whatever the percentage that goes to super, I can't really use a percentage because my my wage varies so much.\n\nSo I kinda just need to say to them, take out this much every fortnight, don't I? Like, 12 $100 or whatever the whatever it's gonna be. Mhmm. Yep. Yep.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nSo I was thinking I would just ask them to so what's, like, 32,000 divided by 26 fortnights? It's, like, 12 $100 or something of a fortnight. Not really. It's just it varies. Like, last financial year, I my growth was a 194,000, but I had back pay and stuff like that in there and a pay rise.\n\nSo it could it could be anywhere between a 160 and a 190 growth. Yeah. Yeah. Yeah. Yep.\n\nI think it's 12.5. Yeah. Yep. Yeah. And I am salary sacrificing an extra $100 into my super as well.\n\nYeah. And I've also got my car. My car is also salary sacrifice late as well. So Fortnight yeah. Fortnightly with my pay.\n\nYep. Okay. Okay. So but what's the what's the easiest way for me to kinda increase it? Do I just tell my employee to increase a percentage or just to an an amount of fortnight?\n\nIs that Yeah. Yep. Yep. Okay. Alrighty.\n\nCool. Okay. Yeah. Yeah. That's what I thought.\n\nSo I can't yeah. Alright. So okay. Cool. Alright.\n\nI'll do that. And can you tell me what sort of difference that's gonna make to my super in, like, ten years or fifteen years. I'm doing if I stick with that extra contribution for the whole time. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Maybe maybe we'll yeah. Maybe we'll just do that. Yeah.\n\nLike yeah. So my financial situation will change in a few years when so my husband will be retiring probably within the next three or four years. So he will he will essentially become a dependent, but my son will also become an adult. So he'll be one less dependent, but I also need to kind of be saving money for him to go to university and all those things. So I'm kind of not not a lot.\n\nYeah. Not a lot. He'll be dependent upon me. So yeah. So I kind of would need to make the most use of his money and my money now in the next couple of years while he still got a good income.\n\nAnd initially, I was kind of making these, you know, extra repayments on the house. And then I was like, oh, what am I doing? It just feels like you're throwing money in the bin. Like, you know, my minimum repayment is $1,500 a fortnight, and I've been paying $2,500 a fortnight. And it just doesn't seem to make a dent.\n\nAnd I know that's just because it's early on in the kind of mortgage phase, but it's I don't know whether I should be doing something different with that money or rather than putting it on the mortgage. Yeah. Yeah. Yeah. Yeah.\n\n500,000 almost exactly. So No. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yep. Okay. Yeah.\n\nYep. Okay. Yeah. Yeah. I think I just maybe I don't know.\n\nI don't know. I'm gonna do lots of factors. I think there's lots of, yeah, factors going on in the next couple of years. So yeah. Like, I'm gonna have to get a new car at some point and that kind of stuff as well.\n\nSo I'm like, oh, yeah. I need to probably just get everything done. I need to get done before my husband retires and then figure out, yeah, get out, you know, not have it. Yep. Yep.\n\nNo. No. No. No. Yeah.\n\nYeah. Yeah. No. That's okay. Look, he's got bugger all any soap that we use.\n\nA big chunk of his soap that's by our house, so it's not yeah. Not much there. Yeah. So I think I've just gotta figure out how I can yeah. I'll get my son out of the house and then, you know, lose one dependent and gain another dependent.\n\nAnd, yeah, just, yeah, reduce our expenses in a couple of years. So but, yeah, in the meantime, I think I just wanna pay off, yeah, pay off a car loan, his car loan, think about getting myself a new car, which I'll need in the next twelve months probably. Yeah. And a few things like that. So yeah.\n\nAlright. Long term wise with my super though, I think, yeah, that's because I'm not a good saver, I think for me, I need to just, yep, make that extra contribution before I even see it and learn to live with what that looks like in my take home pay. Yep. Yep. Yep.\n\nYep. Yeah. Yep. I don't wanna do that. No.\n\nNo. Yeah. Yeah. Absolutely. Yep.\n\nOkay. Alright. No. It should be okay. I've just gotta do an electronic thing in health.\n\nThat's all. Everything's just electronic. So I'll just let them know and see what they come back with. And hope hopefully, they can manage it without yeah. Yeah.\n\nYeah. Exactly. Yeah. Yeah. Cool.\n\nOkay. Okay. Yep. Yeah. That sounds good.\n\nYep. Yeah. Awesome. And can you do some projections for me? Can you show me kind of what what it's gonna look like, say, at 5% or and at 10%, you know, growth with that extra contribution at fifteen years.\n\nI'd like to retire when I'm 60, if I'm honest. I don't wanna go a day over 60 as soon as I can access my Subaru. I wanna retire. So, Yeah. Yep.\n\nYeah. Yeah. Yep. Yeah. That would be great.\n\nYes. Yes. Okay. Amazing. Thank you.\n\nThat's awesome. No. That's good. I think I'll just get this sorted, and I'm just gonna have to sit down and look at look at it's so annoying. Sometimes I wish I just had a straight salary, like, that was the same all the time.\n\nIt's, like, yeah, it's great that I can earn extra money, but it also makes it very hard to kind of budget where everything's going. Yeah. Yeah. Yeah. A piece of paper and a pen is what what I use.\n\nSo yep. Yep. Yeah. Yep. Yeah.\n\nThat would be great. Thank you. Okay. Great. Thank you so much.\n\nI think I can just do it on my work thing, I think. Do I need it from you? No. I think that should be right to do it. I just needed that USI number which someone gave me last week, so that's fine.\n\nYep. Yep. Cool. Yep. Awesome.\n\nThank you so much. Okay. You too. Thanks, Dana. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.015711572021245956},{"text":"Janae speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.021220091730356216},{"text":"Yeah.","start":6.08,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.23982109129428864},{"text":"Good.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.5542084574699402},{"text":"Thanks, Dana.","start":6.64,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6238498985767365}],"sentiment":"neutral","sentiment_score":0.2999830144856657,"num_words":7,"start":0.79999995,"end":7.2799997},{"sentences":[{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.43042932947476703},{"text":"Yes.","start":15.44,"end":15.94,"sentiment":"neutral","sentiment_score":0.09082704037427902},{"text":"Yes, please.","start":15.975,"end":16.955,"sentiment":"neutral","sentiment_score":0.1174670048058033},{"text":"Yeah.","start":18.135,"end":18.635,"sentiment":"neutral","sentiment_score":0.27861613035202026},{"text":"Yes.","start":26.855,"end":27.355,"sentiment":"neutral","sentiment_score":0.18546532094478607}],"sentiment":"neutral","sentiment_score":0.26014131121337414,"num_words":8,"start":7.2799997,"end":27.355},{"sentences":[{"text":"Yep.","start":33.15,"end":33.65,"sentiment":"neutral","sentiment_score":0.07853179425001144},{"text":"Yep.","start":37.07,"end":37.47,"sentiment":"neutral","sentiment_score":0.023497169837355617},{"text":"Janae O'Sullivan.","start":37.47,"end":38.53,"sentiment":"neutral","sentiment_score":0.021877512335777283},{"text":"Twenty fifth of the twelfth nineteen eighty three.","start":38.83,"end":41.445,"sentiment":"neutral","sentiment_score":0.030625562649220228},{"text":"May.","start":42.005,"end":45.385,"sentiment":"neutral","sentiment_score":0.14579766988754272}],"sentiment":"neutral","sentiment_score":0.041275858449248165,"num_words":13,"start":33.15,"end":45.385},{"sentences":[{"text":"Yeah.","start":49.445,"end":49.925,"sentiment":"neutral","sentiment_score":0.14332038164138794},{"text":"Yes.","start":49.925,"end":50.245,"sentiment":"neutral","sentiment_score":0.195721372961998},{"text":"Lucky me.","start":50.245,"end":51.225,"sentiment":"neutral","sentiment_score":0.2785249128937721},{"text":"Yes.","start":57.73,"end":58.23,"sentiment":"neutral","sentiment_score":0.03687793016433716},{"text":"Yep.","start":59.010002,"end":59.510002,"sentiment":"neutral","sentiment_score":0.03571098670363426}],"sentiment":"neutral","sentiment_score":0.16144674954315028,"num_words":6,"start":49.445,"end":59.510002},{"sentences":[{"text":"Yep.","start":61.73,"end":62.23,"sentiment":"neutral","sentiment_score":0.022663583979010585},{"text":"Yeah.","start":73.185,"end":73.505,"sentiment":"neutral","sentiment_score":0.03372374176979065},{"text":"Yeah.","start":73.505,"end":74.005,"sentiment":"neutral","sentiment_score":0.12450037896633148},{"text":"So I thought I've got that, and I might just talk to you about some other short term things I've got going on as well if that's okay.","start":74.225,"end":83.045,"sentiment":"neutral","sentiment_score":0.1271680649369955},{"text":"So, yeah, I thought it might be a good idea long term if I just increase to the maximum that I can salary sacrifice.","start":85.71001,"end":93.97,"sentiment":"neutral","sentiment_score":0.1892773968478044}],"sentiment":"neutral","sentiment_score":0.15062274631451478,"num_words":55,"start":61.73,"end":93.97},{"sentences":[{"text":"I don't think from what I can see, it's gonna make a huge difference to me week to week.","start":96.19,"end":100.805,"sentiment":"neutral","sentiment_score":-0.14815330779866168},{"text":"Like, I think it's not gonna be all that noticeable.","start":100.805,"end":105.305,"sentiment":"neutral","sentiment_score":-0.13907062485814095},{"text":"My my my wage varies so much fortnight to fortnight that I kind of, you know, just get used to dealing with what I've got.","start":105.525,"end":113.92,"sentiment":"neutral","sentiment_score":-0.06330897733569145},{"text":"So it can kind of my net payment, you know, can be a minimum of $4,000 a fortnight and but this week, it was $6,200 a fortnight.","start":114.53999,"end":122.799995,"sentiment":"neutral","sentiment_score":0.17676724755653628},{"text":"So I think yeah, it's I don't know.","start":122.86,"end":127.155,"sentiment":"neutral","sentiment_score":0.13180552748963237}],"sentiment":"neutral","sentiment_score":0.0004361390314075384,"num_words":89,"start":96.19,"end":127.155},{"sentences":[{"text":"I I just think that might be a good way for me to long term get some more money into super without it affecting me too much now.","start":127.155,"end":135.255,"sentiment":"neutral","sentiment_score":0.3252316319516727},{"text":"Yes.","start":153.13501,"end":153.63501,"sentiment":"positive","sentiment_score":0.3757002353668213},{"text":"Yes.","start":181.725,"end":182.225,"sentiment":"neutral","sentiment_score":0.301800400018692},{"text":"Yeah.","start":213.70499,"end":214.20499,"sentiment":"neutral","sentiment_score":0.2544396221637726},{"text":"Yeah.","start":225.48,"end":225.98,"sentiment":"neutral","sentiment_score":0.2423246204853058}],"sentiment":"neutral","sentiment_score":0.3212734553962946,"num_words":32,"start":127.155,"end":225.98},{"sentences":[{"text":"I think I have to sell salary like, I'm not a very good saver.","start":228.51999,"end":231.9,"sentiment":"negative","sentiment_score":-0.36372561965669903},{"text":"If I've got money sitting in the bank account there, I'm just gonna be like, oh, I need that for something blah blah blah, and I'll just end up spending 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the whatever it's gonna be.","start":264.98502,"end":268.92502,"sentiment":"neutral","sentiment_score":0.031178721971809865},{"text":"Mhmm.","start":285.97,"end":286.13,"sentiment":"neutral","sentiment_score":0.00759667344391346},{"text":"Yep.","start":286.13,"end":286.63,"sentiment":"neutral","sentiment_score":0.0422554612159729},{"text":"Yep.","start":288.21,"end":288.71,"sentiment":"neutral","sentiment_score":-0.010683025233447552}],"sentiment":"neutral","sentiment_score":-0.03372126274431745,"num_words":30,"start":260.05,"end":288.71},{"sentences":[{"text":"Yeah.","start":298.48502,"end":298.98502,"sentiment":"neutral","sentiment_score":0.1084197461605072},{"text":"Yeah.","start":341.8,"end":342.19998,"sentiment":"neutral","sentiment_score":0.12479531019926073},{"text":"Okay.","start":342.19998,"end":342.69998,"sentiment":"neutral","sentiment_score":0.11795473098754884},{"text":"Yeah.","start":343.08,"end":343.58,"sentiment":"neutral","sentiment_score":0.1162279099225998},{"text":"Yeah.","start":345.88498,"end":346.205,"sentiment":"neutral","sentiment_score":0.09130241721868516}],"sentiment":"neutral","sentiment_score":0.11174002289772034,"num_words":5,"start":298.48502,"end":346.205},{"sentences":[{"text":"So I was thinking I would just ask them to so what's, like, 32,000 divided by 26 fortnights?","start":346.205,"end":354.865,"sentiment":"neutral","sentiment_score":0.07812164206471708},{"text":"It's, like, 12 $100 or something of a fortnight.","start":355.965,"end":359.595,"sentiment":"neutral","sentiment_score":0.058170671264330544},{"text":"Not really.","start":367.04,"end":367.84,"sentiment":"neutral","sentiment_score":-0.05540209263563156},{"text":"It's just it varies.","start":367.84,"end":369.22,"sentiment":"neutral","sentiment_score":-0.058570328168570995},{"text":"Like, last financial year, I my growth was a 194,000, but I had back pay and stuff like that in there and a pay rise.","start":369.28,"end":377.57498,"sentiment":"neutral","sentiment_score":-0.029666377641260625}],"sentiment":"neutral","sentiment_score":0.014534149302876201,"num_words":58,"start":346.205,"end":377.57498},{"sentences":[{"text":"So it could it could be anywhere between a 160 and a 190 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12.5.","start":415.455,"end":417.315,"sentiment":"neutral","sentiment_score":0.008205884601920843},{"text":"Yeah.","start":419.055,"end":419.555,"sentiment":"neutral","sentiment_score":0.1007816195487976},{"text":"Yep.","start":436.745,"end":437.245,"sentiment":"neutral","sentiment_score":0.06285546720027924},{"text":"Yeah.","start":450.36002,"end":450.84,"sentiment":"neutral","sentiment_score":-0.03119262121617794},{"text":"And I am salary sacrificing an extra $100 into my super as well.","start":450.84,"end":456.38,"sentiment":"neutral","sentiment_score":-0.011069442575367598}],"sentiment":"neutral","sentiment_score":0.0010682625230401754,"num_words":20,"start":415.455,"end":456.38},{"sentences":[{"text":"Yeah.","start":461.735,"end":462.13498,"sentiment":"neutral","sentiment_score":-0.024561844766139984},{"text":"And I've also got my car.","start":462.13498,"end":463.735,"sentiment":"neutral","sentiment_score":-0.021805059785644215},{"text":"My car is also salary sacrifice late as well.","start":463.735,"end":468.215,"sentiment":"neutral","sentiment_score":-0.013997386830548445},{"text":"So Fortnight yeah.","start":468.215,"end":478.65,"sentiment":"neutral","sentiment_score":0.015819356155892212},{"text":"Fortnightly with my pay.","start":478.65,"end":481.05,"sentiment":"neutral","sentiment_score":0.09864581859437749}],"sentiment":"neutral","sentiment_score":0.006985767734358491,"num_words":23,"start":461.735,"end":481.05},{"sentences":[{"text":"Yep.","start":481.05,"end":481.55,"sentiment":"neutral","sentiment_score":0.19426465034484863},{"text":"Okay.","start":523.14496,"end":523.64496,"sentiment":"neutral","sentiment_score":0.02183215133845806},{"text":"Okay.","start":535.96,"end":536.46,"sentiment":"neutral","sentiment_score":0.040665388107299805},{"text":"So but what's the what's the easiest way for me to kinda increase it?","start":541.305,"end":546.745,"sentiment":"neutral","sentiment_score":0.011535920668393373},{"text":"Do I just tell my employee to increase a percentage or just to an an amount of fortnight?","start":546.745,"end":552.685,"sentiment":"neutral","sentiment_score":-0.010594028979539871}],"sentiment":"neutral","sentiment_score":0.00650207307189703,"num_words":35,"start":481.05,"end":552.685},{"sentences":[{"text":"Is that Yeah.","start":554.425,"end":557.3,"sentiment":"neutral","sentiment_score":0.006557427967588107},{"text":"Yep.","start":580.755,"end":581.255,"sentiment":"neutral","sentiment_score":0.06413033604621887},{"text":"Yep.","start":581.47504,"end":581.97504,"sentiment":"neutral","sentiment_score":-0.014904038980603218},{"text":"Okay.","start":588.68,"end":589.18,"sentiment":"neutral","sentiment_score":0.17495349049568176},{"text":"Alrighty.","start":589.56,"end":590.06,"sentiment":"positive","sentiment_score":0.3441709280014038}],"sentiment":"neutral","sentiment_score":0.08400328563792366,"num_words":7,"start":554.425,"end":590.06},{"sentences":[{"text":"Cool.","start":590.44,"end":590.94,"sentiment":"positive","sentiment_score":0.5507698059082031},{"text":"Okay.","start":591.16003,"end":591.66003,"sentiment":"neutral","sentiment_score":0.17736580967903137},{"text":"Yeah.","start":603.865,"end":604.10504,"sentiment":"neutral","sentiment_score":0.007415015250444412},{"text":"Yeah.","start":604.10504,"end":604.505,"sentiment":"neutral","sentiment_score":-0.0272244680672884},{"text":"That's what I thought.","start":604.505,"end":605.305,"sentiment":"neutral","sentiment_score":-0.09864299558103085}],"sentiment":"neutral","sentiment_score":0.03921927255578339,"num_words":8,"start":590.44,"end":605.305},{"sentences":[{"text":"So I can't yeah.","start":605.305,"end":606.185,"sentiment":"neutral","sentiment_score":-0.21408679708838463},{"text":"Alright.","start":606.185,"end":606.685,"sentiment":"neutral","sentiment_score":0.07161930203437805},{"text":"So okay.","start":606.745,"end":607.945,"sentiment":"neutral","sentiment_score":0.20466641709208488},{"text":"Cool.","start":607.945,"end":608.34503,"sentiment":"positive","sentiment_score":0.4042350947856903},{"text":"Alright.","start":608.34503,"end":608.66504,"sentiment":"neutral","sentiment_score":0.29303526878356934}],"sentiment":"neutral","sentiment_score":0.03576392349269655,"num_words":9,"start":605.305,"end":608.66504},{"sentences":[{"text":"I'll do that.","start":608.66504,"end":609.145,"sentiment":"neutral","sentiment_score":0.2776882549126943},{"text":"And can you tell me what sort of difference that's gonna make to my super in, like, ten years or fifteen years.","start":609.145,"end":616.92,"sentiment":"neutral","sentiment_score":0.1584547788582065},{"text":"I'm doing if I stick with that extra contribution for the whole 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maybe we'll yeah.","start":744.015,"end":746.09503,"sentiment":"neutral","sentiment_score":0.20118404179811478},{"text":"Maybe we'll just do that.","start":746.09503,"end":747.475,"sentiment":"neutral","sentiment_score":0.18366858959197999},{"text":"Yeah.","start":748.175,"end":748.575,"sentiment":"neutral","sentiment_score":0.10814108699560164}],"sentiment":"neutral","sentiment_score":0.18794436194002628,"num_words":12,"start":732.63,"end":748.575},{"sentences":[{"text":"Like yeah.","start":748.575,"end":749.615,"sentiment":"neutral","sentiment_score":0.10202949494123459},{"text":"So my financial situation will change in a few years when so my husband will be retiring probably within the next three or four years.","start":749.615,"end":762.6,"sentiment":"neutral","sentiment_score":0.05925696074962616},{"text":"So he will he will essentially become a dependent, but my son will also become an 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yeah.","start":786.925,"end":787.89,"sentiment":"neutral","sentiment_score":0.021166794002056122},{"text":"So I kind of would need to make the most use of his money and my money now in the next couple of years while he still got a good income.","start":788.77,"end":797.35004,"sentiment":"neutral","sentiment_score":0.07478645191557946}],"sentiment":"neutral","sentiment_score":0.04698587297683671,"num_words":42,"start":783.805,"end":797.35004},{"sentences":[{"text":"And initially, I was kind of making these, you know, extra repayments on the house.","start":798.05,"end":802.565,"sentiment":"neutral","sentiment_score":-0.04808824782570203},{"text":"And then I was like, oh, what am I doing?","start":802.565,"end":804.08496,"sentiment":"neutral","sentiment_score":-0.2588707908987999},{"text":"It just feels like you're throwing money in the bin.","start":804.08496,"end":806.425,"sentiment":"negative","sentiment_score":-0.5395007342100143},{"text":"Like, you know, my minimum repayment is $1,500 a fortnight, and I've been paying $2,500 a fortnight.","start":807.285,"end":814.96497,"sentiment":"neutral","sentiment_score":-0.08190243077628753},{"text":"And it just doesn't seem to make a dent.","start":814.96497,"end":817.5,"sentiment":"negative","sentiment_score":-0.3702743666039573}],"sentiment":"neutral","sentiment_score":-0.22016146870665862,"num_words":61,"start":798.05,"end":817.5},{"sentences":[{"text":"And I know that's just because it's early on in the kind of mortgage phase, but it's I don't know whether I should be doing something different with that money or rather than putting it on the 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think I just maybe I don't know.","start":1050.56,"end":1053.76,"sentiment":"neutral","sentiment_score":-0.07045107800513506}],"sentiment":"neutral","sentiment_score":-0.0316854251238207,"num_words":12,"start":1030.055,"end":1053.76},{"sentences":[{"text":"I don't know.","start":1053.76,"end":1054.1849,"sentiment":"neutral","sentiment_score":-0.12965468565622965},{"text":"I'm gonna do lots of factors.","start":1054.1849,"end":1055.625,"sentiment":"neutral","sentiment_score":-0.06676375245054562},{"text":"I think there's lots of, yeah, factors going on in the next couple of years.","start":1055.625,"end":1060.745,"sentiment":"neutral","sentiment_score":-0.056142009298006695},{"text":"So yeah.","start":1060.745,"end":1062.105,"sentiment":"neutral","sentiment_score":-0.03661067597568035},{"text":"Like, I'm gonna have to get a new car at some point and that kind of stuff as 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okay.","start":1159.17,"end":1159.65,"sentiment":"neutral","sentiment_score":-0.09986060857772827},{"text":"Look, he's got bugger all any soap that we use.","start":1159.65,"end":1162.05,"sentiment":"neutral","sentiment_score":-0.2455230697989464}],"sentiment":"neutral","sentiment_score":-0.18395695835351944,"num_words":15,"start":1158.05,"end":1162.05},{"sentences":[{"text":"A big chunk of his soap that's by our house, so it's not yeah.","start":1162.05,"end":1166.495,"sentiment":"neutral","sentiment_score":-0.1729654526071889},{"text":"Not much there.","start":1166.495,"end":1167.475,"sentiment":"neutral","sentiment_score":-0.1728289177020391},{"text":"Yeah.","start":1168.495,"end":1168.815,"sentiment":"neutral","sentiment_score":0.03556603193283081},{"text":"So I think I've just gotta figure out how I can yeah.","start":1168.815,"end":1171.535,"sentiment":"neutral","sentiment_score":0.00935135098795096},{"text":"I'll get my son out of the house and then, you know, lose one dependent and gain another dependent.","start":1171.535,"end":1176.115,"sentiment":"neutral","sentiment_score":0.01261102388563909}],"sentiment":"neutral","sentiment_score":-0.052094110040640344,"num_words":49,"start":1162.05,"end":1176.115},{"sentences":[{"text":"And, yeah, just, yeah, reduce our expenses in a couple of years.","start":1177.295,"end":1181.6201,"sentiment":"neutral","sentiment_score":0.080555387151738},{"text":"So but, yeah, in the meantime, I think I just wanna pay off, yeah, pay off a car loan, his car loan, think about getting myself a new car, which I'll need in the next twelve months probably.","start":1181.6201,"end":1192.8401,"sentiment":"neutral","sentiment_score":0.03319825830036088},{"text":"Yeah.","start":1194.515,"end":1194.755,"sentiment":"neutral","sentiment_score":0.041858769953250885},{"text":"And a few things like that.","start":1194.755,"end":1195.875,"sentiment":"neutral","sentiment_score":-0.001341059183080991},{"text":"So yeah.","start":1195.875,"end":1196.355,"sentiment":"neutral","sentiment_score":0.025797642767429352}],"sentiment":"neutral","sentiment_score":0.039213663756342255,"num_words":59,"start":1177.295,"end":1196.355},{"sentences":[{"text":"Alright.","start":1196.355,"end":1196.855,"sentiment":"neutral","sentiment_score":0.07202501595020294},{"text":"Long term wise with my super though, I think, yeah, that's because I'm not a good saver, I think for me, I need to just, yep, make that extra contribution before I even see it and learn to live with what that looks like in my take home 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yeah.","start":1290.825,"end":1294.605,"sentiment":"neutral","sentiment_score":0.04935985410379039},{"text":"Yeah.","start":1296.825,"end":1297.225,"sentiment":"neutral","sentiment_score":0.05250560864806175}],"sentiment":"neutral","sentiment_score":0.038785269883062155,"num_words":28,"start":1284.105,"end":1297.225},{"sentences":[{"text":"Yeah.","start":1297.225,"end":1297.625,"sentiment":"neutral","sentiment_score":0.05901523679494858},{"text":"Exactly.","start":1297.625,"end":1298.125,"sentiment":"neutral","sentiment_score":0.08764970302581787},{"text":"Yeah.","start":1298.505,"end":1299.005,"sentiment":"neutral","sentiment_score":0.09514115750789642},{"text":"Yeah.","start":1299.54,"end":1300.02,"sentiment":"neutral","sentiment_score":0.10798978805541992},{"text":"Cool.","start":1300.02,"end":1300.52,"sentiment":"neutral","sentiment_score":0.14162927865982056}],"sentiment":"neutral","sentiment_score":0.09828503280878068,"num_words":5,"start":1297.225,"end":1300.52},{"sentences":[{"text":"Okay.","start":1301.38,"end":1301.88,"sentiment":"neutral","sentiment_score":0.0766458734869957},{"text":"Okay.","start":1304.66,"end":1305.16,"sentiment":"neutral","sentiment_score":0.10150669515132904},{"text":"Yep.","start":1305.2201,"end":1305.7201,"sentiment":"neutral","sentiment_score":0.10144753754138948},{"text":"Yeah.","start":1321.035,"end":1321.3551,"sentiment":"neutral","sentiment_score":0.2887168228626251},{"text":"That 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years.","start":1334.35,"end":1344.505,"sentiment":"neutral","sentiment_score":0.07754200838249305}],"sentiment":"neutral","sentiment_score":0.11504752757027745,"num_words":40,"start":1322.2351,"end":1344.505},{"sentences":[{"text":"I'd like to retire when I'm 60, if I'm honest.","start":1344.505,"end":1346.905,"sentiment":"neutral","sentiment_score":0.02278370438143611},{"text":"I don't wanna go a day over 60 as soon as I can access my Subaru.","start":1346.905,"end":1350.5851,"sentiment":"neutral","sentiment_score":0.03335825901012868},{"text":"I wanna retire.","start":1350.5851,"end":1351.385,"sentiment":"neutral","sentiment_score":0.043589070439338684},{"text":"So, 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you.","start":1488.095,"end":1488.835,"sentiment":"positive","sentiment_score":0.573562890291214},{"text":"Okay.","start":1494.12,"end":1494.62,"sentiment":"neutral","sentiment_score":0.23914200067520144},{"text":"Great.","start":1494.6799,"end":1495.1799,"sentiment":"positive","sentiment_score":0.5650776028633118},{"text":"Thank you so much.","start":1495.32,"end":1496.5399,"sentiment":"positive","sentiment_score":0.6185703873634338}],"sentiment":"positive","sentiment_score":0.4921332945426305,"num_words":12,"start":1487.135,"end":1496.5399},{"sentences":[{"text":"I think I can just do it on my work thing, I think.","start":1505.435,"end":1508.475,"sentiment":"neutral","sentiment_score":0.08550160951339282},{"text":"Do I need it from you?","start":1508.475,"end":1510.475,"sentiment":"neutral","sentiment_score":-0.004679100898404916},{"text":"No.","start":1510.475,"end":1510.635,"sentiment":"neutral","sentiment_score":-0.021120242774486545},{"text":"I think that should be right to do 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fine.","start":1512.075,"end":1516.3151,"sentiment":"neutral","sentiment_score":0.025514666549861433}],"sentiment":"neutral","sentiment_score":0.10657277989031916,"num_words":44,"start":1505.435,"end":1516.3151},{"sentences":[{"text":"Yep.","start":1516.3151,"end":1516.8151,"sentiment":"neutral","sentiment_score":0.2876402735710144},{"text":"Yep.","start":1517.6,"end":1518.1,"sentiment":"neutral","sentiment_score":0.13260439038276672},{"text":"Cool.","start":1519.3201,"end":1519.8201,"sentiment":"neutral","sentiment_score":0.0985855758190155},{"text":"Yep.","start":1521.04,"end":1521.54,"sentiment":"neutral","sentiment_score":0.08121709525585175},{"text":"Awesome.","start":1528.0,"end":1528.48,"sentiment":"positive","sentiment_score":0.7322131395339966}],"sentiment":"neutral","sentiment_score":0.26645209491252897,"num_words":5,"start":1516.3151,"end":1528.48},{"sentences":[{"text":"Thank you so much.","start":1528.48,"end":1529.62,"sentiment":"positive","sentiment_score":0.7663503885269165},{"text":"Okay.","start":1531.4269,"end":1531.9069,"sentiment":"positive","sentiment_score":0.44828253984451294},{"text":"You too.","start":1531.9069,"end":1532.7268,"sentiment":"positive","sentiment_score":0.34348970651626587},{"text":"Thanks, Dana.","start":1532.7869,"end":1533.6669,"sentiment":"positive","sentiment_score":0.42429932206869125},{"text":"Bye.","start":1533.6669,"end":1534.1669,"sentiment":"neutral","sentiment_score":0.186895489692688}],"sentiment":"positive","sentiment_score":0.5236157640814781,"num_words":10,"start":1528.48,"end":1534.1669},{"sentences":[{"text":"Bye.","start":1534.3868,"end":1534.8868,"sentiment":"neutral","sentiment_score":0.25195229053497314}],"sentiment":"neutral","sentiment_score":0.25195229053497314,"num_words":1,"start":1534.3868,"end":1534.8868}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Janae speaking.\n\nChannel 0: Hi, Janae. This is Dana from Oakview Financial. How are you today?\n\nChannel 1: Yeah. Good. Thanks, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a catch up in relation to some salary sacrifice. Is now still a good time there for you?\n\nChannel 1: Yes. Yes, please.\n\nChannel 0: Yep. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And we are discussing your personal information, so I'll just do a quick security check there with you. I'll just need to confirm\n\nChannel 1: Yep.\n\nChannel 0: your full name, your date of birth, and address I should have on file as well.\n\nChannel 1: Yep. Janae O'Sullivan. Twenty fifth of\n\nChannel 0: Yep.\n\nChannel 1: the twelfth nineteen eighty three.\n\nChannel 0: Yep.\n\nChannel 1: May.\n\nChannel 0: Beautiful. Thank you so much for that. Wow. Christmas day, baby.\n\nChannel 1: Yeah. Yes. Lucky me.\n\nChannel 0: Oh, look. I get it. I use it Christmas day, month, the twenty seventh, so I understand being\n\nChannel 1: Yes.\n\nChannel 0: so close. But, yeah,\n\nChannel 1: Yep.\n\nChannel 0: look, honestly, on Christmas day.\n\nChannel 1: Yep.\n\nChannel 0: No. All good. I my colleague Michelle will do it just to have a bit of a chat. You're looking to look at increasing selling sacrifice, I believe, into your super.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: So I thought I've got that, and I might just talk to you about some other short term things I've got going on as well if that's okay.\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: So, yeah, I thought it might be a good idea long term if I just increase to the maximum that I can salary sacrifice.\n\nChannel 0: Yep.\n\nChannel 1: I don't think from what I can see, it's gonna make a huge difference to me week to week. Like, I think it's not gonna be all that noticeable. My my my wage varies so much fortnight to fortnight that I kind of, you know, just get used to dealing with what I've got.\n\nChannel 0: Yes.\n\nChannel 1: So it can kind\n\nChannel 0: Yep.\n\nChannel 1: of my net payment, you know, can be a minimum of $4,000 a fortnight and but this week, it was $6,200 a fortnight. So I think\n\nChannel 0: Right.\n\nChannel 1: yeah, it's I don't know. I I just think that might be a good way for me to long term get some more money into super without it affecting me too much now.\n\nChannel 0: Yeah. Yep. No. That's okay. There are one one of two ways of doing it.\n\nSo we can look to increase the salary sacrifice, which means that it comes out pretty fast. Your employer does it, so you don't sort of have to worry, you know, long term about you making that additional contribution.\n\nChannel 1: Yes.\n\nChannel 0: The alternative is that you can if if you feel like your income sort of fluctuates quite heavily, you can always look to do it as a one off lump sum at the end of the financial year as well and do it as a deductible payment, which means you would just need to put the money aside into a bank account. At the end of the financial year, we see what has gone into super, what additional contributions you can make to kind of bridge the gap between what you've made in the cap, and then\n\nChannel 1: Yes.\n\nChannel 0: you can make that as a one of lump sum. Once that goes into the super fund, we claim a notice of intent, and the deductible contribution actually works as a bit of a tax deduction for you. So if you make a lump sum 5,000 deductible at the end of the financial year, you can then claim that $5,000 back as a tax deduction to help reduce your income a little bit as well. It is just another way of doing it. It does mean that if you do it that way, we need to have the money available at the end of the financial year.\n\nIt is a lump sum,\n\nChannel 1: Yeah.\n\nChannel 0: and you just deposit that. Whereas salary sacrifice is a little bit easier. It's on a regular basis, which provides greater benefit as well with, sorry, the dollar cost averaging side effect of it.\n\nChannel 1: Yeah.\n\nChannel 0: It more just comes out of what you're more comfortable doing.\n\nChannel 1: I think I have to sell salary like, I'm not a very good saver. If I've got\n\nChannel 0: Okay.\n\nChannel 1: money sitting in the bank account there, I'm just gonna be like, oh, I need that for something blah blah blah, and I'll just end up spending it. So I think I need to\n\nChannel 0: Yep.\n\nChannel 1: I need it kinda gone before I see\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Not\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: think\n\nChannel 0: problem at\n\nChannel 1: so\n\nChannel 0: all.\n\nChannel 1: do you know what so I could just because, you know, because they take out whatever the percentage that goes to super, I can't really use a percentage because my my wage varies so much. So I kinda just need to say to them, take out this much every fortnight, don't I? Like,\n\nChannel 0: Yep.\n\nChannel 1: 12\n\nChannel 0: Yes.\n\nChannel 1: $100 or whatever the whatever it's gonna\n\nChannel 0: Yes.\n\nChannel 1: be.\n\nChannel 0: You just sort of need to work out what the what you're essentially earning on a regular basis, what that is gonna be looking like at the end of the financial year. The at the moment, this financial year, the cap for concessional contributions is $32,500, so it has\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: gone up a bit from last year. Just looking\n\nChannel 1: Yep.\n\nChannel 0: at what the difference is there and then deciding whether you start with maybe 50 or a $100 or whether you increase that to meet the cap and hopefully don't go over. You\n\nChannel 1: Yeah.\n\nChannel 0: can also use carry forward. So looking at your super balance here at the moment, you're sitting at 319,000. So you can also look at your myGov account and see if you've got any previous year's tax base called the carry forward contributions. And if you over the past five years, past five financial years, if your employer hasn't put in up to the cap, you may have some additional space left over. And because your balance is under 500,000 as of June 30 last one at two years.\n\nBecause of your age, you're eligible to use that as well. So that means if you do happen to go over the cap a little bit, as long as you've got some carry forward from previous financial years, that won't be a problem.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: Yeah. So I was thinking I would just ask them to so what's, like, 32,000 divided by 26 fortnights?\n\nChannel 0: Yeah.\n\nChannel 1: It's,\n\nChannel 0: So\n\nChannel 1: like,\n\nChannel 0: let's have\n\nChannel 1: 12\n\nChannel 0: a look.\n\nChannel 1: $100 or something of a fortnight.\n\nChannel 0: Yeah. I can have a look at what you've got. So income wise, you know what you're expecting to earn this financial year total?\n\nChannel 1: Not really.\n\nChannel 0: Sorry.\n\nChannel 1: It's just it varies. Like, last financial year, I my growth was a 194,000, but I had back pay and stuff like that in there and\n\nChannel 0: Right.\n\nChannel 1: a pay rise.\n\nChannel 0: Okay.\n\nChannel 1: So it could it could be anywhere between a 160 and a 190 growth.\n\nChannel 0: Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: I would probably look to work out on the highest figure. That way, you account for overestimating the employer contributions going into the risk of you going over the cap or having to, you know, go over the cap is lower. So if we're based on a 190,000 for you,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: your employer now you work in health care.\n\nChannel 1: Yep.\n\nChannel 0: Does your employer normally, in health care, they sometimes do get more than 12% contributions. Do you know if that's slightly higher for yourself?\n\nChannel 1: I think it's 12.5.\n\nChannel 0: Yep. Sounds about\n\nChannel 1: Yeah.\n\nChannel 0: right. Beautiful. So we work on 12.5% based on the income annually of a 190,000 for this financial year. Employer contributions going in would be estimated to be at about 22,800.\n\nChannel 1: Yep.\n\nChannel 0: So then if you wanted to salary sacrifice, increase the cap. Are you sell no. So you're not salary sacrificing the super at the moment. Your salary sacrificing for the mortgage\n\nChannel 1: Yeah. And I am salary sacrificing\n\nChannel 0: and the leasing.\n\nChannel 1: an extra $100 into my super as well.\n\nChannel 0: Okay. Beautiful. That's okay. Just have you look at the last fax line to see what I had noted here. Sorry about that.\n\nChannel 1: Yeah. And I've also got my car. My car is also salary\n\nChannel 0: The car.\n\nChannel 1: sacrifice\n\nChannel 0: Yep.\n\nChannel 1: late as well.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: That's okay. That $100, is that going in? I'm just looking at how 24 as well going through the transactions. Is that a weekly fortnight as per your pay? How\n\nChannel 1: Fortnight\n\nChannel 0: often do\n\nChannel 1: yeah.\n\nChannel 0: you\n\nChannel 1: Fortnightly\n\nChannel 0: fortnightly?\n\nChannel 1: with\n\nChannel 0: Beautiful.\n\nChannel 1: my pay.\n\nChannel 0: This\n\nChannel 1: Yep.\n\nChannel 0: is Effectively $50 a week. Beautiful. Transactions are loading. Excellent. Okay.\n\nSo if we look at that $100 on a fortnightly basis with 12.5% employer contributions there, that essentially means that based on the income, your employer contributions are expected to be about 26,350 for the year. If we look to maximize that to the cap on a fortnightly basis, It allows you including the current $100 you're already putting in there, it allows you to maximize the cap by salary sacrificing about $336.54 per fortnight.\n\nChannel 1: Okay.\n\nChannel 0: $36.54. So it's an extra $236.54 per fortnight to maximize the cap. That's based on a 190,000 of income.\n\nChannel 1: Okay. So but what's the what's the easiest way for me to kinda increase it? Do I just tell my employee to increase a percentage or just to an an amount of fortnight?\n\nChannel 0: I would probably just\n\nChannel 1: Is\n\nChannel 0: tell\n\nChannel 1: that\n\nChannel 0: them to increase it to an amount and\n\nChannel 1: Yeah.\n\nChannel 0: then get them to work out whether that's a certain percentage. Because if you are working on a roster system and your days fluctuate, your hours fluctuate, or your pay fluctuates, it means that the amount that you're gonna be putting in there as a percentage fluctuates and changes as well. So it would be best to say, hey. I wanna increase this amount by $2.36 54 on a fortnightly basis from my pay.\n\nChannel 1: Yep.\n\nChannel 0: Can\n\nChannel 1: Yep.\n\nChannel 0: you just work out the percentage that you need to account for that each week or each fortnight? And they should be able to do that as part of the payroll system.\n\nChannel 1: Okay. Alrighty.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Otherwise,\n\nChannel 1: Okay.\n\nChannel 0: if your pay is fluctuating each sort of fortnight and they're asking you to update that, it means that your percentage should be different every fortnight, and you'll spend your whole year trying to recalculate the percentages, actually.\n\nChannel 1: Yeah. Yeah. That's what I thought. So I can't yeah. Alright.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: okay. Cool. Alright. I'll\n\nChannel 0: Yeah.\n\nChannel 1: do that. And can you tell me what sort of difference that's gonna make to my super in, like, ten years or fifteen years.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: doing if\n\nChannel 0: just\n\nChannel 1: I stick with that\n\nChannel 0: with\n\nChannel 1: extra contribution for the whole time.\n\nChannel 0: yeah. So if we're looking at the three, so $2.36 54, You've still got a long time before access. And so over the next twenty years, it's adding in sorry. $2.36 54. 26.\n\nThat's an extra $6,000 per year going into super. Over twenty years, it's an extra 123,000, not including growth because growth is different. I'd have to do a projection table up, which I can get done for you and email through if you'd like to see what that looks like.\n\nChannel 1: Yeah.\n\nChannel 0: But it adds an\n\nChannel 1: Yep.\n\nChannel 0: extra 123,000 into your fee for over the next twenty three so over the next twenty years, just an additional contribution. If we look at, say, a conservative rate of return of 5% growth on that, It's an extra 6,005. Yeah. I'd have to do a full projection table to factor it in because there's a lot of other things like fees and things to take into account.\n\nChannel 1: Yeah.\n\nChannel 0: But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years. That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you. So it does only benefit you long term to have that money going in. The downside is that it does affect your take home pay, so just making sure you're not leaving yourself short because you can't take that money back out if you,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Yeah.\n\nChannel 0: choose\n\nChannel 1: Yep.\n\nChannel 0: to.\n\nChannel 1: Yep.\n\nChannel 0: We can do it one of two ways if you wanted to, Janette. I can provide you with, like, an advice document recommending the increase, showing you what that looks like, the advantages, disadvantages, risks involved, the projection table to outline the effect on your super, or\n\nChannel 1: Yep.\n\nChannel 0: you can just let your employer know we can give you the contributions form, and they can just start making that, and we can kind of assess it with you at and your review time. It's up to you with what you'd like to\n\nChannel 1: Yeah. Maybe\n\nChannel 0: do moving\n\nChannel 1: maybe\n\nChannel 0: forward.\n\nChannel 1: we'll yeah. Maybe we'll just do that. Yeah. Like yeah. So my financial situation will change in a few years\n\nChannel 0: Yep.\n\nChannel 1: when so my husband will be retiring probably within\n\nChannel 0: Right.\n\nChannel 1: the next three or four years.\n\nChannel 0: Yep.\n\nChannel 1: So he will he will essentially become a dependent, but my son will also become an adult. So he'll be one less dependent, but I also need to\n\nChannel 0: Yes.\n\nChannel 1: kind of be saving money for him to go to university and all those things. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm kind\n\nChannel 0: Does\n\nChannel 1: of\n\nChannel 0: your husband, sorry, does your husband have super to fall back on? Like,\n\nChannel 1: not\n\nChannel 0: what's\n\nChannel 1: not\n\nChannel 0: his plan\n\nChannel 1: a\n\nChannel 0: when\n\nChannel 1: lot.\n\nChannel 0: he retires?\n\nChannel 1: Yeah. Not a\n\nChannel 0: Okay.\n\nChannel 1: lot. He'll be dependent upon me. So yeah. So I kind of would need to make the most use of his money\n\nChannel 0: The\n\nChannel 1: and\n\nChannel 0: money\n\nChannel 1: my\n\nChannel 0: now.\n\nChannel 1: money now in\n\nChannel 0: Mhmm.\n\nChannel 1: the next couple of\n\nChannel 0: Yep.\n\nChannel 1: years while he still got a good income. And\n\nChannel 0: Yep.\n\nChannel 1: initially, I was kind of making these, you know, extra repayments on the house. And then I was like, oh, what am I doing? It just feels like you're throwing money in the bin. Like,\n\nChannel 0: Yeah.\n\nChannel 1: you know, my minimum repayment is $1,500 a fortnight, and I've been paying $2,500 a fortnight. And it just doesn't seem to make a dent. And I know that's\n\nChannel 0: No.\n\nChannel 1: just because it's early on in the kind of mortgage phase, but it's\n\nChannel 0: Yeah.\n\nChannel 1: I don't know whether I should be doing something different with that money or rather than putting it on the mortgage.\n\nChannel 0: I mean, what the best thing to sort of look at when you're thinking about putting money on the mortgage or, say, investing it, one of the big things is to consider the rate of return. So if, for example and because markets do go up and down, even sitting in a term deposit, the return tends to be a little bit lower.\n\nChannel 1: Yeah.\n\nChannel 0: If you are putting extra money onto the mortgage and you're, say, paying a 6% return, that's a guaranteed rate of return because you're putting that money into the loan or onto the offset account. As long as it sits there and stays there, it's saving\n\nChannel 1: Yeah.\n\nChannel 0: you that 6% interest. If, for example, you put that into an investment account or into your super, there are years when the the super and the investments do get fantastic returns, but we also know the investments has years where there's a lot of ups and downs, and we don't get the return we want. So in\n\nChannel 1: Yeah.\n\nChannel 0: years where the return isn't more than 6%, you're the growth you're making on that money is less than what you would have saved in interest in the mortgage. So it also comes down to what your goals are. Realistically, putting money into the mortgage, trying to pay that down as quickly as possible is the best way to go for most people. Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year. Is that still fairly accurate?\n\nChannel 1: Yeah. 500,000 almost exactly. So\n\nChannel 0: Okay. Perfect. Perfect. It's definitely down from where we had it, so I'll update that for you. I mean and that is a fairly decent amount to be paying off.\n\nAnd if you wanna have that paid off prior to, you know, you retiring in about twenty years, just without factoring any additional so twenty years. You'd need to pay without any additional interest accumulating, you'd need to get a payoff about $25,000 on a yearly basis, not including interest. So this is 6% interest on 25,000 is, you know, a little bit more. That adds an extra $1,500, 6% of $26,500 there. So you would be paying that on a regular basis, and interest is accumulating daily.\n\nSo putting the money on the loan, if you're trying to pay it off by the time you retire in twenty years, is a really good way to go, especially if your husband's retiring and you're gonna be the sole breadwinner and income earner and things could be a\n\nChannel 1: No.\n\nChannel 0: bit tighter. Putting money\n\nChannel 1: Yeah.\n\nChannel 0: on the loan is the best way to go.\n\nChannel 1: Okay.\n\nChannel 0: When I sort of talk to most of my clients, they have trouble saving. Using an offset account is great because you can pull the money back if you need to. But if you are also having trouble saving and use that money and you don't wanna use that money, putting it onto the actual loan and having to redraw it back is also another really good way to go. Because once the money is there, you actually see the balance increasing. It\n\nChannel 1: Yeah.\n\nChannel 0: can sort of help to generate those habits a little bit more as well. We all it creates the habits of human beings. We like to see\n\nChannel 1: Yeah.\n\nChannel 0: things that are working for us, and when we see the balance decreasing, it kind of makes us feel good, and we wanna keep doing it, keep\n\nChannel 1: Yeah.\n\nChannel 0: building on that. That\n\nChannel 1: Yep.\n\nChannel 0: can be a really good way to do that as well knowing that\n\nChannel 1: Okay.\n\nChannel 0: the loan is actually decreasing, not just offsetting the interest. You physically see that occurring, and you know you have to redraw it back. And that can often look be a little bit bigger of a process,\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: that that's\n\nChannel 1: Okay.\n\nChannel 0: another really good way to kind of pay that loan down a bit quicker as well. But, I mean, I'm happy to definitely look at, you know, the differences between paying the mortgage off versus investing the money, whether it be in super. If that's something you wanted me to look at, we do provide advice in that area for you as well.\n\nChannel 1: Yeah. Yeah. I think I just maybe I don't know. I don't know. I'm gonna do lots of factors.\n\nI think there's lots of, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: factors going\n\nChannel 0: There's\n\nChannel 1: on in\n\nChannel 0: so\n\nChannel 1: the\n\nChannel 0: many\n\nChannel 1: next couple\n\nChannel 0: things to\n\nChannel 1: of\n\nChannel 0: think\n\nChannel 1: years.\n\nChannel 0: about.\n\nChannel 1: So yeah. Like, I'm gonna have to get a new car at some point and that\n\nChannel 0: Oh,\n\nChannel 1: kind\n\nChannel 0: yeah.\n\nChannel 1: of stuff as well. So I'm like, oh, yeah. I need to probably just get everything done. I need to get done before my husband retires and then\n\nChannel 0: Yeah.\n\nChannel 1: figure out, yeah, get out, you know,\n\nChannel 0: Can\n\nChannel 1: not\n\nChannel 0: I\n\nChannel 1: have it.\n\nChannel 0: can\n\nChannel 1: Yep.\n\nChannel 0: yeah? Can I ask you a question? Is your husband\n\nChannel 1: Yep.\n\nChannel 0: a client of ours? Do we hold\n\nChannel 1: No.\n\nChannel 0: his paper at all?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: If\n\nChannel 1: No.\n\nChannel 0: he wanted if he wanted to maybe have a look at what he's got, what that looks like, you know, what to do with the money, whether it be drawing down in smaller increments on a regular basis, you're welcome to let him like, talk to him, and he can come and sort of speak to us. Obviously, I'm an adviser, so any advice I do provide does have to be in best interest. There might be a point where we recommend he go into a different super fund. We might recommend he stay in the same fund, but I can and do a lot of retirement advice for a lot of my clients. So if you are wanting if he is wanting to look at what he's got, how that works, and maybe how that can supplement what you're earning and how to get longevity and make the most of his so far, he is welcome\n\nChannel 1: Yeah.\n\nChannel 0: to come and have a chat with me. I'm honest that if it's, know, not something we can provide personal advice, and I can give him general advice or even strategy paper. If he does decide to come on as a client, we do charge your ongoing service fee percentage, but it's also up to him as well. I just wanna sort of put that out there. And if it's something you guys want help with, we can do that.\n\nI can do joint advice for you as well. So it looks at what's happening with yours and also him to kinda give you guys a family aspect or outlook on what's projected with your super with retirement with how everything's going for you both?\n\nChannel 1: Yeah. Yeah. No. That's okay. Look, he's got bugger all any soap that we use.\n\nA big chunk of his soap that's by our house, so it's not\n\nChannel 0: Okay.\n\nChannel 1: yeah. Not much there.\n\nChannel 0: That's okay. That's okay.\n\nChannel 1: Yeah. So I\n\nChannel 0: That's\n\nChannel 1: think I've just\n\nChannel 0: all\n\nChannel 1: gotta\n\nChannel 0: good.\n\nChannel 1: figure out how I can yeah. I'll get my son out of the house and then, you know, lose one dependent and gain another dependent. And, yeah, just, yeah, reduce our\n\nChannel 0: Yep.\n\nChannel 1: expenses in a couple of years. So but, yeah, in\n\nChannel 0: Yeah.\n\nChannel 1: the meantime, I think I\n\nChannel 0: Yeah.\n\nChannel 1: just wanna pay off, yeah, pay off a car loan, his car loan, think about getting myself a new car, which I'll need in the next twelve months probably.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. And a few things like that. So yeah. Alright. Long term wise with my super though, I think, yeah, that's because I'm not a good saver, I think for me, I need to just, yep, make that extra contribution before I even see it and learn\n\nChannel 0: Yeah.\n\nChannel 1: to live with what that looks like in my take home\n\nChannel 0: Yep.\n\nChannel 1: pay.\n\nChannel 0: Yep. That's absolutely fine. Do\n\nChannel 1: Yep.\n\nChannel 0: maybe do you have a look at your myGov account as well and just see? So when you go into that, if you go into the ATO, then super, you'll have a drop down menu, and it has carry forward contributions. I'm pretty sure you got ATO super and then information, and it has\n\nChannel 1: Yep.\n\nChannel 0: the drop down which has carry forward contributions. And it basically shows you that you're eligible and how much carry forward you have from the previous financial years. So\n\nChannel 1: Yep.\n\nChannel 0: long as you've got extra there, if you accidentally go over the cap, that's absolutely fine.\n\nChannel 1: Yep.\n\nChannel 0: It's just they're making sure that you don't go over the cap because it makes you pay extra tax. So if you did\n\nChannel 1: Yeah.\n\nChannel 0: have to go\n\nChannel 1: Yep.\n\nChannel 0: over\n\nChannel 1: I don't\n\nChannel 0: the\n\nChannel 1: wanna\n\nChannel 0: cap,\n\nChannel 1: do that.\n\nChannel 0: they charge you the full yeah. Highest tax margin tax rate with a 15% offset for tax inside super. So you don't wanna end have to pay extra tax for putting that in. It\n\nChannel 1: No.\n\nChannel 0: defeats the purpose\n\nChannel 1: No.\n\nChannel 0: of putting the money into super.\n\nChannel 1: Yeah. Yeah. Absolutely. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Did you\n\nChannel 1: Alright.\n\nChannel 0: are you comfortable just sort of letting your employer know what you wanna do with that, or did you wanna sort of get personal advice to down the contribution side of things?\n\nChannel 1: No. It should be okay. I've just gotta do an electronic thing in health. That's\n\nChannel 0: Yep.\n\nChannel 1: all. Everything's just\n\nChannel 0: Yep.\n\nChannel 1: electronic. So I'll just let them know and see what they come back with.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: And hope hopefully, they can manage it without yeah.\n\nChannel 0: Making you do it every fortnight.\n\nChannel 1: Yeah. Yeah. Exactly. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: No. That's okay. And, look,\n\nChannel 1: Okay.\n\nChannel 0: you are due for your annual review in December.\n\nChannel 1: Okay.\n\nChannel 0: If you like,\n\nChannel 1: Yep.\n\nChannel 0: what I could probably do is I can do maybe a catch up with you in, say, three or four months just to sort of see how that salary sacrifice is going, look at what contributions are going in, and maybe just discuss how that's going for you. Does that sound okay?\n\nChannel 1: Yeah. That sounds good. Yep.\n\nChannel 0: Yep. So I'll do it in about three months for you. That way, we do a halfway point and then your annual review is due in December to make it easier. Okay.\n\nChannel 1: Yeah. Awesome. And can you do some projections for me? Can you show me\n\nChannel 0: Yes.\n\nChannel 1: kind of what what it's gonna look like, say, at 5% or and at 10%, you know, growth with that\n\nChannel 0: Yep.\n\nChannel 1: extra contribution at fifteen years. I'd like to retire when I'm 60, if I'm honest. I\n\nChannel 0: Yeah.\n\nChannel 1: don't wanna\n\nChannel 0: That's\n\nChannel 1: go\n\nChannel 0: absolutely\n\nChannel 1: a day over\n\nChannel 0: fine.\n\nChannel 1: 60 as soon as I can access my Subaru. I wanna retire. So,\n\nChannel 0: Yeah. That's absolutely fine. Not a problem at all. What I'll do is I'll look at the growth rate based on your current super your current super investment because,\n\nChannel 1: Yeah.\n\nChannel 0: obviously,\n\nChannel 1: Yep.\n\nChannel 0: growth rate does change, and\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: should be a little bit higher than 5%. It could be a little bit less than 10%. So I'll get that projection done up. My team should be able to have it done either today or tomorrow for you, and I'll email through so you can see the difference there.\n\nChannel 1: Yep. Yeah. That\n\nChannel 0: And then,\n\nChannel 1: would be\n\nChannel 0: yeah,\n\nChannel 1: great.\n\nChannel 0: if you, you know, wanna come back and have a chat, let me know. All of this is just general advice, so we haven't kinda given personal advice. It's not in relation to any of your goals. But if you did wanna just stack your goals in more detail and look at, you know, the contribution side of things, let me know. I'm more than happy to help you with that area,\n\nChannel 1: Yes. Yes.\n\nChannel 0: and I'm happy to jump in the advice side of things for you. But, yeah, let me know how you go, and I'll get that projection updated for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: Amazing. Thank you. That's awesome.\n\nChannel 0: That's that's okay. Was there any other questions or anything else you wanted to kinda go through at the moment? Or\n\nChannel 1: No. That's good. I think I'll just\n\nChannel 0: No.\n\nChannel 1: get this sorted, and I'm just gonna have\n\nChannel 0: Yep.\n\nChannel 1: to sit down and look at look at\n\nChannel 0: Yep.\n\nChannel 1: it's so annoying. Sometimes I wish I just had a straight salary, like, that\n\nChannel 0: Yep.\n\nChannel 1: was the same all the time. It's, like, yeah, it's great that I can earn extra money, but it also makes it very hard to kind of budget where everything's\n\nChannel 0: Absolutely.\n\nChannel 1: going. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: Yeah.\n\nChannel 0: you have a budget plan or a budget that you use for looking at things like that?\n\nChannel 1: A piece of paper and a pen\n\nChannel 0: Okay.\n\nChannel 1: is what what I use. So\n\nChannel 0: If you like, I could send you through our budget plan that we use for our clients. It's a really\n\nChannel 1: yep.\n\nChannel 0: great it's the like a money smart budget plan. It's all an Excel document. So you can essentially put in everything that you are spending on a regular basis. You can put it in whether it's daily, weekly, monthly, or yearly in whatever it needs to be, and it auto calculates into, you know, monthly, weekly, fortnightly, and annually for you. So it kind of breaks up the payments so you can see exactly what you're spending.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: then each, you know, week or fortnight or month, whenever things change, you can update the income coming in, and then you can sort of see and track your surplus cash a little bit easier to sort of see when money is going and how\n\nChannel 1: Yeah.\n\nChannel 0: it's also tracking, if that would\n\nChannel 1: Yep.\n\nChannel 0: help you a little bit.\n\nChannel 1: Yeah. That would\n\nChannel 0: Yep.\n\nChannel 1: be great. Thank you.\n\nChannel 0: Beautiful. I'll send that through for you with the projection table. It's not a problem at all today.\n\nChannel 1: Okay.\n\nChannel 0: Easy.\n\nChannel 1: Great. Thank you so\n\nChannel 0: Lovely.\n\nChannel 1: much.\n\nChannel 0: Did you need to send through the did you need to send the contributions form through for the sales back, or it has that already been provided for you?\n\nChannel 1: I think I can just do it on my work thing, I think. Do I need\n\nChannel 0: Yep.\n\nChannel 1: it from you? No. I think that should be right to do it. I just\n\nChannel 0: That's\n\nChannel 1: needed that\n\nChannel 0: okay.\n\nChannel 1: USI number which someone gave me last week, so that's fine. Yep.\n\nChannel 0: Beautiful. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: If anything changes and you need help\n\nChannel 1: Cool.\n\nChannel 0: with that, let me know. And once I\n\nChannel 1: Yep.\n\nChannel 0: get this email out to you as well, you'll have my direct contact. You can email me back with any additional questions or concerns that you do have as well.\n\nChannel 1: Awesome. Thank you so much.\n\nChannel 0: Okay? That's okay. You have a lovely\n\nChannel 1: Okay.\n\nChannel 0: day.\n\nChannel 1: You\n\nChannel 0: Thank\n\nChannel 1: too.\n\nChannel 0: you for your\n\nChannel 1: Thanks,\n\nChannel 0: time.\n\nChannel 1: Dana. Bye.\n\nChannel 0: Thanks,\n\nChannel 1: Bye.\n\nChannel 0: Jay. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.015711572021245956},{"text":"Janae speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.021220091730356216}],"sentiment":"neutral","sentiment_score":0.01938391849398613,"channel":1,"num_words":3,"start":0.79999995,"end":2.1},{"sentences":[{"text":"Hi, Janae.","start":2.72,"end":3.36,"sentiment":"neutral","sentiment_score":0.14796675741672516},{"text":"This is Dana from Oakview Financial.","start":3.36,"end":4.98,"sentiment":"neutral","sentiment_score":0.16296417017777762},{"text":"How are you today?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.22005752474069595}],"sentiment":"neutral","sentiment_score":0.17949571957190832,"channel":0,"num_words":12,"start":2.72,"end":6.02},{"sentences":[{"text":"Yeah.","start":6.08,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.23982109129428864},{"text":"Good.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.5542084574699402},{"text":"Thanks, Dana.","start":6.64,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6238498985767365},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.43042932947476703}],"sentiment":"positive","sentiment_score":0.476145333477429,"channel":1,"num_words":7,"start":6.08,"end":8.1},{"sentences":[{"text":"I'm very well.","start":8.24,"end":9.12,"sentiment":"positive","sentiment_score":0.6435762246449789},{"text":"Thank you.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6843675076961517},{"text":"I had you booked in for a bit of a catch up in relation to some salary sacrifice.","start":9.76,"end":13.28,"sentiment":"neutral","sentiment_score":0.16019883089595371},{"text":"Is now still a good time there for you?","start":13.28,"end":15.299999,"sentiment":"neutral","sentiment_score":0.22011859549416435}],"sentiment":"neutral","sentiment_score":0.25512843765318394,"channel":0,"num_words":32,"start":8.24,"end":15.299999},{"sentences":[{"text":"Yes.","start":15.44,"end":15.94,"sentiment":"neutral","sentiment_score":0.09082704037427902},{"text":"Yes, please.","start":15.975,"end":16.955,"sentiment":"neutral","sentiment_score":0.1174670048058033}],"sentiment":"neutral","sentiment_score":0.10858701666196187,"channel":1,"num_words":3,"start":15.44,"end":16.955},{"sentences":[{"text":"Yep.","start":17.295,"end":17.795,"sentiment":"neutral","sentiment_score":0.26041707396507263},{"text":"Fantastic.","start":17.855,"end":18.355,"sentiment":"positive","sentiment_score":0.6046983003616333}],"sentiment":"positive","sentiment_score":0.43255768716335297,"channel":0,"num_words":2,"start":17.295,"end":18.355},{"sentences":[{"text":"Yeah.","start":18.135,"end":18.635,"sentiment":"neutral","sentiment_score":0.27861613035202026}],"sentiment":"neutral","sentiment_score":0.27861613035202026,"channel":1,"num_words":1,"start":18.135,"end":18.635},{"sentences":[{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":19.615,"end":24.435,"sentiment":"neutral","sentiment_score":0.08992317221734834},{"text":"Are you happy for us to proceed with that?","start":24.494999,"end":26.595,"sentiment":"neutral","sentiment_score":0.15711043692297405}],"sentiment":"neutral","sentiment_score":0.10881959041580558,"channel":0,"num_words":32,"start":19.615,"end":26.595},{"sentences":[{"text":"Yes.","start":26.855,"end":27.355,"sentiment":"neutral","sentiment_score":0.18546532094478607}],"sentiment":"neutral","sentiment_score":0.18546532094478607,"channel":1,"num_words":1,"start":26.855,"end":27.355},{"sentences":[{"text":"Fantastic.","start":28.029999,"end":28.529999,"sentiment":"positive","sentiment_score":0.42808622121810913},{"text":"And we are discussing your personal information, so I'll just do a quick security check there with you.","start":28.59,"end":32.51,"sentiment":"neutral","sentiment_score":0.16706758365035057},{"text":"I'll just need to confirm","start":32.51,"end":33.47,"sentiment":"neutral","sentiment_score":0.10036248713731766}],"sentiment":"neutral","sentiment_score":0.16404646510879198,"channel":0,"num_words":24,"start":28.029999,"end":33.47},{"sentences":[{"text":"Yep.","start":33.15,"end":33.65,"sentiment":"neutral","sentiment_score":0.07853179425001144}],"sentiment":"neutral","sentiment_score":0.07853179425001144,"channel":1,"num_words":1,"start":33.15,"end":33.65},{"sentences":[{"text":"your full name, your date of birth, and address I should have on file as well.","start":33.47,"end":37.01,"sentiment":"neutral","sentiment_score":0.09537383075803518}],"sentiment":"neutral","sentiment_score":0.09537383075803518,"channel":0,"num_words":16,"start":33.47,"end":37.01},{"sentences":[{"text":"Yep.","start":37.07,"end":37.47,"sentiment":"neutral","sentiment_score":0.023497169837355617},{"text":"Janae O'Sullivan.","start":37.47,"end":38.53,"sentiment":"neutral","sentiment_score":0.021877512335777283},{"text":"Twenty fifth of","start":38.83,"end":39.55,"sentiment":"neutral","sentiment_score":0.01724144071340561}],"sentiment":"neutral","sentiment_score":0.019829419441521168,"channel":1,"num_words":6,"start":37.07,"end":39.55},{"sentences":[{"text":"Yep.","start":39.39,"end":39.89,"sentiment":"neutral","sentiment_score":0.024283817037940025}],"sentiment":"neutral","sentiment_score":0.024283817037940025,"channel":0,"num_words":1,"start":39.39,"end":39.89},{"sentences":[{"text":"the twelfth nineteen eighty three.","start":39.55,"end":41.445,"sentiment":"neutral","sentiment_score":0.038656035810709}],"sentiment":"neutral","sentiment_score":0.038656035810709,"channel":1,"num_words":5,"start":39.55,"end":41.445},{"sentences":[{"text":"Yep.","start":41.825,"end":42.325,"sentiment":"neutral","sentiment_score":0.05243593081831932}],"sentiment":"neutral","sentiment_score":0.05243593081831932,"channel":0,"num_words":1,"start":41.825,"end":42.325},{"sentences":[{"text":"May.","start":42.005,"end":45.385,"sentiment":"neutral","sentiment_score":0.14579766988754272}],"sentiment":"neutral","sentiment_score":0.14579766988754272,"channel":1,"num_words":1,"start":42.005,"end":45.385},{"sentences":[{"text":"Beautiful.","start":45.665,"end":46.165,"sentiment":"positive","sentiment_score":0.5779168605804443},{"text":"Thank you so much for that.","start":46.225,"end":47.345,"sentiment":"positive","sentiment_score":0.7088669141133627},{"text":"Wow.","start":47.345,"end":47.665,"sentiment":"neutral","sentiment_score":0.2943200170993805},{"text":"Christmas day, baby.","start":47.665,"end":48.965,"sentiment":"neutral","sentiment_score":0.19875530898571014}],"sentiment":"positive","sentiment_score":0.5201549353924665,"channel":0,"num_words":11,"start":45.665,"end":48.965},{"sentences":[{"text":"Yeah.","start":49.445,"end":49.925,"sentiment":"neutral","sentiment_score":0.14332038164138794},{"text":"Yes.","start":49.925,"end":50.245,"sentiment":"neutral","sentiment_score":0.195721372961998},{"text":"Lucky me.","start":50.245,"end":51.225,"sentiment":"neutral","sentiment_score":0.2785249128937721}],"sentiment":"neutral","sentiment_score":0.22402289509773254,"channel":1,"num_words":4,"start":49.445,"end":51.225},{"sentences":[{"text":"Oh, 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yeah,","start":58.48,"end":59.04,"sentiment":"neutral","sentiment_score":0.03805561363697052}],"sentiment":"neutral","sentiment_score":0.02836615452542901,"channel":0,"num_words":4,"start":57.84,"end":59.04},{"sentences":[{"text":"Yep.","start":59.010002,"end":59.510002,"sentiment":"neutral","sentiment_score":0.03571098670363426}],"sentiment":"neutral","sentiment_score":0.03571098670363426,"channel":1,"num_words":1,"start":59.010002,"end":59.510002},{"sentences":[{"text":"look, honestly, on Christmas day.","start":59.04,"end":60.9,"sentiment":"neutral","sentiment_score":0.04097965061664581}],"sentiment":"neutral","sentiment_score":0.04097965061664581,"channel":0,"num_words":5,"start":59.04,"end":60.9},{"sentences":[{"text":"Yep.","start":61.73,"end":62.23,"sentiment":"neutral","sentiment_score":0.022663583979010585}],"sentiment":"neutral","sentiment_score":0.022663583979010585,"channel":1,"num_words":1,"start":61.73,"end":62.23},{"sentences":[{"text":"No.","start":62.4,"end":62.9,"sentiment":"neutral","sentiment_score":-0.05289547145366669},{"text":"All good.","start":63.2,"end":64.020004,"sentiment":"neutral","sentiment_score":0.049532392993569374},{"text":"I my colleague Michelle will do it just to have a bit of a chat.","start":64.32,"end":66.96,"sentiment":"neutral","sentiment_score":0.023661941041549048},{"text":"You're looking to look at increasing selling sacrifice, I believe, into your 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I thought I've got that, and I might just talk to you about some other short term things I've got going on as well if that's okay.","start":74.225,"end":83.045,"sentiment":"neutral","sentiment_score":0.1271680649369955}],"sentiment":"neutral","sentiment_score":0.1271680649369955,"channel":1,"num_words":28,"start":74.225,"end":83.045},{"sentences":[{"text":"Yes.","start":83.5,"end":83.58,"sentiment":"neutral","sentiment_score":0.14851199090480804},{"text":"Absolutely.","start":83.58,"end":84.08,"sentiment":"neutral","sentiment_score":0.2085917592048645}],"sentiment":"neutral","sentiment_score":0.17855187505483627,"channel":0,"num_words":2,"start":83.5,"end":84.08},{"sentences":[{"text":"So, yeah, I thought it might be a good idea long term if I just increase to the maximum that I can salary 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$4,000 a fortnight and but this week, it was $6,200 a fortnight.","start":115.5,"end":122.799995,"sentiment":"neutral","sentiment_score":0.17297365791771724},{"text":"So I think","start":122.86,"end":123.5,"sentiment":"neutral","sentiment_score":0.12364432960748672}],"sentiment":"neutral","sentiment_score":0.16728181234345987,"channel":1,"num_words":26,"start":115.5,"end":123.5},{"sentences":[{"text":"Right.","start":123.69,"end":124.19,"sentiment":"neutral","sentiment_score":0.22826504707336423}],"sentiment":"neutral","sentiment_score":0.22826504707336423,"channel":0,"num_words":1,"start":123.69,"end":124.19},{"sentences":[{"text":"yeah, it's I don't know.","start":124.755,"end":127.155,"sentiment":"neutral","sentiment_score":0.13670224621891974},{"text":"I I just think that might be a good way for me to long term get some more money into super without it affecting me too much now.","start":127.155,"end":135.255,"sentiment":"neutral","sentiment_score":0.3252316319516727}],"sentiment":"neutral","sentiment_score":0.2966665735073162,"channel":1,"num_words":33,"start":124.755,"end":135.255},{"sentences":[{"text":"Yeah.","start":136.245,"end":136.64499,"sentiment":"neutral","sentiment_score":0.2734881341457367},{"text":"Yep.","start":136.64499,"end":137.14499,"sentiment":"neutral","sentiment_score":0.2581600546836853},{"text":"No.","start":137.285,"end":137.525,"sentiment":"neutral","sentiment_score":0.15636125206947327},{"text":"That's okay.","start":137.525,"end":138.265,"sentiment":"positive","sentiment_score":0.3452328145503998},{"text":"There are one one of two ways of doing it.","start":139.845,"end":142.08499,"sentiment":"positive","sentiment_score":0.3602000743150711}],"sentiment":"neutral","sentiment_score":0.33203172087669375,"channel":0,"num_words":15,"start":136.245,"end":142.08499},{"sentences":[{"text":"So we can look to increase the salary 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I","start":1520.54,"end":1521.1,"sentiment":"neutral","sentiment_score":0.08355589210987091}],"sentiment":"neutral","sentiment_score":0.10315358452498913,"channel":0,"num_words":8,"start":1519.42,"end":1521.1},{"sentences":[{"text":"Yep.","start":1521.04,"end":1521.54,"sentiment":"neutral","sentiment_score":0.08121709525585175}],"sentiment":"neutral","sentiment_score":0.08121709525585175,"channel":1,"num_words":1,"start":1521.04,"end":1521.54},{"sentences":[{"text":"get this email out to you as well, you'll have my direct contact.","start":1521.1,"end":1523.715,"sentiment":"neutral","sentiment_score":0.12487603036256936},{"text":"You can email me back with any additional questions or concerns that you do have as well.","start":1523.875,"end":1527.815,"sentiment":"neutral","sentiment_score":0.13603266153265448}],"sentiment":"neutral","sentiment_score":0.13119812135895093,"channel":0,"num_words":30,"start":1521.1,"end":1527.815},{"sentences":[{"text":"Awesome.","start":1528.0,"end":1528.48,"sentiment":"positive","sentiment_score":0.7322131395339966},{"text":"Thank you so much.","start":1528.48,"end":1529.62,"sentiment":"positive","sentiment_score":0.7663503885269165}],"sentiment":"positive","sentiment_score":0.7595229387283325,"channel":1,"num_words":5,"start":1528.0,"end":1529.62},{"sentences":[{"text":"Okay?","start":1529.315,"end":1529.815,"sentiment":"positive","sentiment_score":0.4246830344200134},{"text":"That's okay.","start":1530.115,"end":1530.835,"sentiment":"positive","sentiment_score":0.46100494265556335},{"text":"You have a lovely","start":1530.835,"end":1531.7949,"sentiment":"positive","sentiment_score":0.6718175560235977}],"sentiment":"positive","sentiment_score":0.576280449117933,"channel":0,"num_words":7,"start":1529.315,"end":1531.7949},{"sentences":[{"text":"Okay.","start":1531.4269,"end":1531.9069,"sentiment":"positive","sentiment_score":0.44828253984451294}],"sentiment":"positive","sentiment_score":0.44828253984451294,"channel":1,"num_words":1,"start":1531.4269,"end":1531.9069},{"sentences":[{"text":"day.","start":1531.7949,"end":1532.115,"sentiment":"positive","sentiment_score":0.3588095009326935}],"sentiment":"positive","sentiment_score":0.3588095009326935,"channel":0,"num_words":1,"start":1531.7949,"end":1532.115},{"sentences":[{"text":"You","start":1531.9069,"end":1532.2268,"sentiment":"neutral","sentiment_score":0.2748108506202698}],"sentiment":"neutral","sentiment_score":0.2748108506202698,"channel":1,"num_words":1,"start":1531.9069,"end":1532.2268},{"sentences":[{"text":"Thank","start":1532.115,"end":1532.275,"sentiment":"positive","sentiment_score":0.5268328785896301}],"sentiment":"positive","sentiment_score":0.5268328785896301,"channel":0,"num_words":1,"start":1532.115,"end":1532.275},{"sentences":[{"text":"too.","start":1532.2268,"end":1532.7268,"sentiment":"positive","sentiment_score":0.4121685624122619}],"sentiment":"positive","sentiment_score":0.4121685624122619,"channel":1,"num_words":1,"start":1532.2268,"end":1532.7268},{"sentences":[{"text":"you for your","start":1532.275,"end":1532.835,"sentiment":"positive","sentiment_score":0.5364098648230234}],"sentiment":"positive","sentiment_score":0.5364098648230234,"channel":0,"num_words":3,"start":1532.275,"end":1532.835},{"sentences":[{"text":"Thanks,","start":1532.7869,"end":1533.1869,"sentiment":"positive","sentiment_score":0.6121006011962891}],"sentiment":"positive","sentiment_score":0.6121006011962891,"channel":1,"num_words":1,"start":1532.7869,"end":1533.1869},{"sentences":[{"text":"time.","start":1532.835,"end":1533.335,"sentiment":"positive","sentiment_score":0.5147237777709961}],"sentiment":"positive","sentiment_score":0.5147237777709961,"channel":0,"num_words":1,"start":1532.835,"end":1533.335},{"sentences":[{"text":"Dana.","start":1533.1869,"end":1533.6669,"sentiment":"neutral","sentiment_score":0.23649804294109344},{"text":"Bye.","start":1533.6669,"end":1534.1669,"sentiment":"neutral","sentiment_score":0.186895489692688}],"sentiment":"neutral","sentiment_score":0.21169676631689072,"channel":1,"num_words":2,"start":1533.1869,"end":1534.1669},{"sentences":[{"text":"Thanks,","start":1534.275,"end":1534.595,"sentiment":"positive","sentiment_score":0.3419005572795868}],"sentiment":"positive","sentiment_score":0.3419005572795868,"channel":0,"num_words":1,"start":1534.275,"end":1534.595},{"sentences":[{"text":"Bye.","start":1534.3868,"end":1534.8868,"sentiment":"neutral","sentiment_score":0.25195229053497314}],"sentiment":"neutral","sentiment_score":0.25195229053497314,"channel":1,"num_words":1,"start":1534.3868,"end":1534.8868},{"sentences":[{"text":"Jay.","start":1534.595,"end":1534.9149,"sentiment":"neutral","sentiment_score":0.2068363726139069},{"text":"See you later.","start":1534.9149,"end":1535.5549,"sentiment":"neutral","sentiment_score":0.20025138556957245},{"text":"Bye.","start":1535.5549,"end":1536.0549,"sentiment":"neutral","sentiment_score":0.10026440024375916}],"sentiment":"neutral","sentiment_score":0.18157098591327667,"channel":0,"num_words":5,"start":1534.595,"end":1536.0549}]},"summary":{"result":"success","short":"Representatives from Oakview Financial discuss salary sacrifice and the benefits of a $32,500 cap on retirement contributions with Janae. They suggest paying out overtime to reduce income and increasing contributions to maximize the cap. The speakers emphasize the importance of using the loan to pay off and reducing expenses to make up for retirement. They offer personal advice and strategy for retirement planning and budgeting. The conversation ends with pleasantries and plans for the caller to send the contributions form."},"intents":{"segments":[{"text":"And we are discussing your personal information, so I'll just do a quick security check there with you. I'll just need to confirm Yep. your full name, your date of birth, and address I should have on file as well. Yep.","start_word":94,"end_word":134,"intents":[{"intent":"Check security","confidence_score":0.0024159239}]},{"text":"So we can look to increase the salary sacrifice, which means that it comes out pretty fast. Your employer does it, so you don't sort of have to worry, you know, long term about you making that additional contribution. Yes.","start_word":418,"end_word":457,"intents":[{"intent":"Discuss salary sacrifice and deductible contributions","confidence_score":0.00013857322}]},{"text":"The alternative is that you can if if you feel like your income sort of fluctuates quite heavily, you can always look to do it as a one off lump sum at the end of the financial year as well and do it as a deductible payment, which means you would just need to put the money aside into a bank account.","start_word":458,"end_word":519,"intents":[{"intent":"Consider lump sum and deductible contribution","confidence_score":0.0033379425}]},{"text":"Once that goes into the super fund, we claim a notice of intent, and the deductible contribution actually works as a bit of a tax deduction for you.","start_word":566,"end_word":593,"intents":[{"intent":"Discuss deductible contribution and pay benefit","confidence_score":6.768686e-8}]},{"text":"So if you make a lump sum 5,000 deductible at the end of the financial year, you can then claim that $5,000 back as a tax deduction to help reduce your income a little bit as well.","start_word":594,"end_word":630,"intents":[{"intent":"Discuss tax deduction options","confidence_score":0.019389665}]},{"text":"I think I have to sell salary like, I'm not a very good saver.","start_word":715,"end_word":728,"intents":[{"intent":"Expedite salary plan","confidence_score":0.000036069778}]},{"text":"you just work out the percentage that you need to account for that each week or each fortnight? And they should be able to do that as part of the payroll system. Okay.","start_word":1690,"end_word":1722,"intents":[{"intent":"Work out percentages","confidence_score":0.04073137},{"intent":"Calculate percentages","confidence_score":0.61425257}]},{"text":"if your pay is fluctuating each sort of fortnight and they're asking you to update that, it means that your percentage should be different every fortnight, and you'll spend your whole year trying to recalculate the percentages, actually. Yeah. Yeah.","start_word":1727,"end_word":1766,"intents":[{"intent":"Update pay percentages","confidence_score":0.11170229},{"intent":"Calculate percentage difference","confidence_score":0.0063172085}]},{"text":"And can you tell me what sort of difference that's gonna make to my super in, like, ten years or fifteen years.","start_word":1785,"end_word":1806,"intents":[{"intent":"Explain percentage difference","confidence_score":0.0001755791}]},{"text":"If we look at, say, a conservative rate of return of 5% growth on that, It's an extra 6,005. Yeah.","start_word":1934,"end_word":1953,"intents":[{"intent":"Discuss growth rate","confidence_score":0.0021223188}]},{"text":"I'd have to do a full projection table to factor it in because there's a lot of other things like fees and things to take into account. Yeah. But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years. That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you.","start_word":1954,"end_word":2026,"intents":[{"intent":"Factor in growth rate","confidence_score":0.0018917746}]},{"text":"But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years. That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you.","start_word":1982,"end_word":2026,"intents":[{"intent":"Count contributions","confidence_score":0.0011326711}]},{"text":"That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you.","start_word":2004,"end_word":2026,"intents":[{"intent":"Consider growth rate","confidence_score":0.015216636}]},{"text":"So it does only benefit you long term to have that money going in. The downside is that it does affect your take home pay, so just making sure you're not leaving yourself short because you can't take that money back out if you, Yeah.","start_word":2028,"end_word":2072,"intents":[{"intent":"Make monthly payments","confidence_score":0.0040836544}]},{"text":"I can provide you with, like, an advice document recommending the increase, showing you what that looks like, the advantages, disadvantages, risks involved, the projection table to outline the effect on your super, or Yep. you can just let your employer know we can give you the contributions form, and they can just start making that, and we can kind of assess it with you at and your review time.","start_word":2092,"end_word":2161,"intents":[{"intent":"Provide advice and guidance","confidence_score":0.011644362}]},{"text":"So my financial situation will change in a few years Yep.","start_word":2187,"end_word":2197,"intents":[{"intent":"Evaluate financial situation","confidence_score":0.08398441}]},{"text":"I don't know whether I should be doing something different with that money or rather than putting it on the mortgage.","start_word":2418,"end_word":2438,"intents":[{"intent":"Recommend different payment method","confidence_score":0.00006060455}]},{"text":"I mean, what the best thing to sort of look at when you're thinking about putting money on the mortgage or, say, investing it, one of the big things is to consider the rate of return. So if, for example and because markets do go up and down, even sitting in a term deposit, the return tends to be a little bit lower. Yeah.","start_word":2439,"end_word":2502,"intents":[{"intent":"Inquire about rate of return","confidence_score":0.018333325}]},{"text":"Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year. Is that still fairly accurate?","start_word":2672,"end_word":2694,"intents":[{"intent":"Update mortgage information","confidence_score":0.21938108},{"intent":"Update mortgage information","confidence_score":0.039670214}]},{"text":"Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year. Is that still fairly accurate? Yeah.","start_word":2672,"end_word":2695,"intents":[{"intent":"Discuss goals for mortgage","confidence_score":0.0017098854}]},{"text":"When I sort of talk to most of my clients, they have trouble saving. Using an offset account is great because you can pull the money back if you need to. But if you are also having trouble saving and use that money and you don't wanna use that money, putting it onto the actual loan and having to redraw it back is also another really good way to go.","start_word":2883,"end_word":2952,"intents":[{"intent":"Redraw money","confidence_score":0.12500487}]},{"text":"another really good way to kind of pay that loan down a bit quicker as well. But, I mean, I'm happy to definitely look at, you know, the differences between paying the mortgage off versus investing the money, whether it be in super.","start_word":3086,"end_word":3128,"intents":[{"intent":"Discuss mortgage plans","confidence_score":0.00025574546}]},{"text":"If that's something you wanted me to look at, we do provide advice in that area for you as well.","start_word":3128,"end_word":3147,"intents":[{"intent":"Offer advice on super fund options","confidence_score":0.000018755338}]},{"text":"he wanted if he wanted to maybe have a look at what he's got, what that looks like, you know, what to do with the money, whether it be drawing down in smaller increments on a regular basis, you're welcome to let him like, talk to him, and he can come and sort of speak to us.","start_word":3280,"end_word":3336,"intents":[{"intent":"Arrange retirement adviser consultation","confidence_score":0.000006453123}]},{"text":"So if you are wanting if he is wanting to look at what he's got, how that works, and maybe how that can supplement what you're earning and how to get longevity and make the most of his so far, he is welcome Yeah.","start_word":3394,"end_word":3437,"intents":[{"intent":"Compliment earning","confidence_score":0.00024766562}]},{"text":"So it looks at what's happening with yours and also him to kinda give you guys a family aspect or outlook on what's projected with your super with retirement with how everything's going for you both? Yeah.","start_word":3527,"end_word":3563,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.22449824}]},{"text":"If you like, Yep. what I could probably do is I can do maybe a catch up with you in, say, three or four months just to sort of see how that salary sacrifice is going, look at what contributions are going in, and maybe just discuss how that's going for you. Does that sound okay?","start_word":4055,"end_word":4110,"intents":[{"intent":"Discuss salary sacrifice and contributions","confidence_score":0.050704118}]},{"text":"And can you do some projections for me?","start_word":4150,"end_word":4157,"intents":[{"intent":"Update projections","confidence_score":0.09192685}]},{"text":"you have a budget plan or a budget that you use for looking at things like that?","start_word":4531,"end_word":4547,"intents":[{"intent":"Obtain information about budget plan","confidence_score":0.00016695043},{"intent":"Provide budget plan","confidence_score":0.08072207}]},{"text":"I'll send that through for you with the projection table. It's not a problem at all today. Okay. Easy.","start_word":4729,"end_word":4747,"intents":[{"intent":"Provide projection table","confidence_score":0.046530414}]},{"text":"get this email out to you as well, you'll have my direct contact. You can email me back with any additional questions or concerns that you do have as well. Awesome.","start_word":4852,"end_word":4882,"intents":[{"intent":"Provide contact information","confidence_score":0.0137180975}]}]},"sentiments":{"segments":[{"text":"Hello? Janae speaking. Hi, Janae. This is Dana from Oakview Financial. How are you today? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13895919919013977},{"text":"Good. Thanks, Dana. How are you? I'm very well. Thank you.","start_word":16,"end_word":26,"sentiment":"positive","sentiment_score":0.5859618186950684},{"text":"I had you booked in for a bit of a catch up in relation to some salary sacrifice. Is now still a good time there for you? Yes. Yes, please. Yep.","start_word":27,"end_word":57,"sentiment":"neutral","sentiment_score":0.17293940484523773},{"text":"Fantastic.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.6046983003616333},{"text":"Yeah. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yes.","start_word":59,"end_word":92,"sentiment":"neutral","sentiment_score":0.12160201370716096},{"text":"Fantastic.","start_word":93,"end_word":93,"sentiment":"positive","sentiment_score":0.42808622121810913},{"text":"And we are discussing your personal information, so I'll just do a quick security check there with you. I'll just need to confirm Yep. your full name, your date of birth, and address I should have on file as well. Yep. Janae O'Sullivan. Twenty fifth Yep. of the twelfth nineteen eighty three. Yep. May.","start_word":94,"end_word":147,"sentiment":"neutral","sentiment_score":0.0917310118675232},{"text":"Beautiful. Thank you so much for that.","start_word":148,"end_word":154,"sentiment":"positive","sentiment_score":0.6748073697090149},{"text":"Wow. Christmas day, baby. Yeah. Yes. Lucky me. Oh, look. I get it. I use it Christmas day, month, the twenty seventh, so I understand being Yes. so close. But, yeah, Yep. look, honestly, on Christmas day. Yep. No. All good. I my colleague Michelle will do it just to have a bit of a chat. You're looking to look at increasing selling sacrifice, I believe, into your super. Yeah. Yeah. Yeah. Perfect. So I thought I've got that, and I might just talk to you about some other short term things I've got going on as well if that's okay. Yes. Absolutely. So, yeah, I thought it might be a good idea long term if I just increase to the maximum that I can salary sacrifice. Yep. I don't think from what I can see, it's gonna make a huge difference to me week to week. Like, I think it's not gonna be all that noticeable. My my my wage varies so much fortnight to fortnight that I kind of, you know, just get used to dealing with what I've got. Yes. So it can kind Yep. of my net payment, you know, can be a minimum of $4,000 a fortnight and but this week, it was $6,200 a fortnight. So I think Right. yeah, it's I don't know. I I just think that might be a good way for me to long term get some more money into super without it affecting me too much now. Yeah. Yep. No.","start_word":155,"end_word":405,"sentiment":"neutral","sentiment_score":0.08789256470374378},{"text":"That's okay. There are one one of two ways of doing it. So we can look to increase the salary sacrifice, which means that it comes out pretty fast. Your employer does it, so you don't sort of have to worry, you know, long term about you making that additional contribution. Yes.","start_word":406,"end_word":457,"sentiment":"positive","sentiment_score":0.421139121055603},{"text":"The alternative is that you can if if you feel like your income sort of fluctuates quite heavily, you can always look to do it as a one off lump sum at the end of the financial year as well and do it as a deductible payment, which means you would just need to put the money aside into a bank account. At the end of the financial year, we see what has gone into super, what additional contributions you can make to kind of bridge the gap between what you've made in the cap, and then Yes. you can make that as a one of lump sum. Once that goes into the super fund, we claim a notice of intent, and the deductible contribution actually works as a bit of a tax deduction for you.","start_word":458,"end_word":593,"sentiment":"neutral","sentiment_score":0.2848343849182129},{"text":"So if you make a lump sum 5,000 deductible at the end of the financial year, you can then claim that $5,000 back as a tax deduction to help reduce your income a little bit as well.","start_word":594,"end_word":630,"sentiment":"positive","sentiment_score":0.3739888668060303},{"text":"It is just another way of doing it. It does mean that if you do it that way, we need to have the money available at the end of the financial year. It is a lump sum, Yeah. and you just deposit that. Whereas salary sacrifice is a little bit easier.","start_word":631,"end_word":681,"sentiment":"neutral","sentiment_score":0.23335137963294983},{"text":"It's on a regular basis, which provides greater benefit as well with, sorry, the dollar cost averaging side effect of it.","start_word":682,"end_word":702,"sentiment":"positive","sentiment_score":0.5147786140441895},{"text":"Yeah. It more just comes out of what you're more comfortable doing.","start_word":703,"end_word":714,"sentiment":"neutral","sentiment_score":0.1698358654975891},{"text":"I think I have to sell salary like, I'm not a very good saver.","start_word":715,"end_word":728,"sentiment":"negative","sentiment_score":-0.37270018458366394},{"text":"If I've got Okay. money sitting in the bank account there, I'm just gonna be like, oh, I need that for something blah blah blah, and I'll just end up spending it. So I think I need to Yep. I need it kinda gone before I see Yep. it. Yep. That's Yeah. okay. Not I a think problem at so all. do you know what so I could just because, you know, because they take out whatever the percentage that goes to super, I can't really use a percentage because my my wage varies so much. So I kinda just need to say to them, take out this much every fortnight, don't I? Like, Yep. 12 Yes. $100 or whatever the whatever it's gonna Yes. be. You just sort of need to work out what the what you're essentially earning on a regular basis, what that is gonna be looking like at the end of the financial year. The at the moment, this financial year, the cap for concessional contributions is $32,500, so it has Mhmm. Yep. gone up a bit from last year. Just looking Yep. at what the difference is there and then deciding whether you start with maybe 50 or a $100 or whether you increase that to meet the cap and hopefully don't go over. You Yeah. can also use carry forward. So looking at your super balance here at the moment, you're sitting at 319,000. So you can also look at your myGov account and see if you've got any previous year's tax base called the carry forward contributions. And if you over the past five years, past five financial years, if your employer hasn't put in up to the cap, you may have some additional space left over. And because your balance is under 500,000 as of June 30 last one at two years. Because of your age, you're eligible to use that as well. So that means if you do happen to go over the cap a little bit, as long as you've got some carry forward from previous financial years, that won't be a problem. Yeah. Okay. And Yeah. yeah. Yeah. Yeah. So I was thinking I would just ask them to so what's, like, 32,000 divided by 26 fortnights? Yeah. It's, So like, let's have 12 a look. $100 or something of a fortnight. Yeah. I can have a look at what you've got. So income wise, you know what you're expecting to earn this financial year total? Not really. Sorry. It's just it varies. Like, last financial year, I my growth was a 194,000, but I had back pay and stuff like that in there and Right. a pay rise. Okay. So it could it could be anywhere between a 160 and a 190 growth. Okay. So Yeah. I would probably look to work out on the highest figure. That way, you account for overestimating the employer contributions going into the risk of you going over the cap or having to, you know, go over the cap is lower. So if we're based on a 190,000 for you, Yeah. Yeah. your employer now you work in health care. Yep. Does your employer normally, in health care, they sometimes do get more than 12% contributions. Do you know if that's slightly higher for yourself? I think it's 12.5. Yep. Sounds about Yeah. right. Beautiful. So we work on 12.5% based on the income annually of a 190,000 for this financial year. Employer contributions going in would be estimated to be at about 22,800. Yep. So then if you wanted to salary sacrifice, increase the cap. Are you sell no. So you're not salary sacrificing the super at the moment. Your salary sacrificing for the mortgage Yeah. And I am salary sacrificing and the leasing. an extra $100 into my super as well. Okay.","start_word":729,"end_word":1370,"sentiment":"neutral","sentiment_score":0.014528073312430369},{"text":"Beautiful. That's okay.","start_word":1371,"end_word":1373,"sentiment":"positive","sentiment_score":0.4827876091003418},{"text":"Just have you look at the last fax line to see what I had noted here. Sorry about that. Yeah. And I've also got my car. My car is also salary The car. sacrifice Yep. late as well. Yep. So That's okay. That $100, is that going in? I'm just looking at how 24 as well going through the transactions. Is that a weekly fortnight as per your pay? How Fortnight often do yeah. you Fortnightly fortnightly? with Beautiful. my pay. This Yep. is Effectively $50 a week.","start_word":1374,"end_word":1461,"sentiment":"neutral","sentiment_score":0.030912961810827255},{"text":"Beautiful. Transactions are loading. Excellent.","start_word":1462,"end_word":1466,"sentiment":"positive","sentiment_score":0.5990015268325806},{"text":"Okay. So if we look at that $100 on a fortnightly basis with 12.5% employer contributions there, that essentially means that based on the income, your employer contributions are expected to be about 26,350 for the year. If we look to maximize that to the cap on a fortnightly basis, It allows you including the current $100 you're already putting in there, it allows you to maximize the cap by salary sacrificing about $336.54 per fortnight. Okay. $36.54. So it's an extra $236.54 per fortnight to maximize the cap. That's based on a 190,000 of income. Okay. So but what's the what's the easiest way for me to kinda increase it? Do I just tell my employee to increase a percentage or just to an an amount of fortnight? I would probably just Is tell that them to increase it to an amount and Yeah. then get them to work out whether that's a certain percentage. Because if you are working on a roster system and your days fluctuate, your hours fluctuate, or your pay fluctuates, it means that the amount that you're gonna be putting in there as a percentage fluctuates and changes as well. So it would be best to say, hey. I wanna increase this amount by $2.36 54 on a fortnightly basis from my pay. Yep. Can Yep. you just work out the percentage that you need to account for that each week or each fortnight? And they should be able to do that as part of the payroll system. Okay.","start_word":1467,"end_word":1721,"sentiment":"neutral","sentiment_score":0.04612867718233782},{"text":"Alrighty. Yeah. Cool.","start_word":1722,"end_word":1724,"sentiment":"positive","sentiment_score":0.4239772260189056},{"text":"Otherwise, Okay. if your pay is fluctuating each sort of fortnight and they're asking you to update that, it means that your percentage should be different every fortnight, and you'll spend your whole year trying to recalculate the percentages, actually. Yeah. Yeah. That's what I thought. So I can't yeah. Alright. So Yeah. okay.","start_word":1725,"end_word":1778,"sentiment":"neutral","sentiment_score":0.0328865610063076},{"text":"Cool.","start_word":1779,"end_word":1779,"sentiment":"positive","sentiment_score":0.4042350947856903},{"text":"Alright. I'll Yeah. do that. And can you tell me what sort of difference that's gonna make to my super in, like, ten years or fifteen years. Yeah. I'm So doing if just I stick with that with extra contribution for the whole time. yeah. So if we're looking at the three, so $2.36 54, You've still got a long time before access. And so over the next twenty years, it's adding in sorry. $2.36 54. 26. That's an extra $6,000 per year going into super. Over twenty years, it's an extra 123,000, not including growth because growth is different. I'd have to do a projection table up, which I can get done for you and email through if you'd like to see what that looks like. Yeah. But it adds an extra Yep. 123,000 into your fee for over the next twenty three so over the next twenty years, just an additional contribution. If we look at, say, a conservative rate of return of 5% growth on that, It's an extra 6,005. Yeah. I'd have to do a full projection table to factor it in because there's a lot of other things like fees and things to take into account. Yeah. But just the contributions alone, it would be like an extra 126,000 of extra contributions going in over the next twenty years. That then, if you think about growth, let's say, a five or 10% rate of return, has a much greater effect for you.","start_word":1780,"end_word":2026,"sentiment":"neutral","sentiment_score":0.08878017961978912},{"text":"So it does only benefit you long term to have that money going in.","start_word":2027,"end_word":2040,"sentiment":"positive","sentiment_score":0.5257936120033264},{"text":"The downside is that it does affect your take home pay, so just making sure you're not leaving yourself short because you can't take that money back out if you, Yeah.","start_word":2041,"end_word":2071,"sentiment":"negative","sentiment_score":-0.4117298722267151},{"text":"you know, Yeah. choose Yep. to. Yep. We can do it one of two ways if you wanted to, Janette. I can provide you with, like, an advice document recommending the increase, showing you what that looks like, the advantages, disadvantages, risks involved, the projection table to outline the effect on your super, or Yep. you can just let your employer know we can give you the contributions form, and they can just start making that, and we can kind of assess it with you at and your review time. It's up to you with what you'd like to Yeah. Maybe do moving maybe forward. we'll yeah. Maybe we'll just do that. Yeah. Like yeah. So my financial situation will change in a few years Yep. when so my husband will be retiring probably within Right. the next three or four years. Yep. So he will he will essentially become a dependent, but my son will also become an adult. So he'll be one less dependent, but I also need to Yes. kind of be saving money for him to go to university and all those things. So Yeah. I'm kind Does of your husband, sorry, does your husband have super to fall back on? Like, not what's not his plan a when lot. he retires? Yeah. Not a Okay. lot. He'll be dependent upon me. So yeah. So I kind of would need to make the most use of his money The and money my now. money now in Mhmm. the next couple of Yep. years while he still got a good income. And Yep. initially, I was kind of making these, you know, extra repayments on the house. And then I was like, oh, what am I doing?","start_word":2072,"end_word":2361,"sentiment":"neutral","sentiment_score":0.09717020392417908},{"text":"It just feels like you're throwing money in the bin.","start_word":2362,"end_word":2371,"sentiment":"negative","sentiment_score":-0.5376223921775818},{"text":"Like, Yeah. you know, my minimum repayment is $1,500 a fortnight, and I've been paying $2,500 a fortnight.","start_word":2372,"end_word":2389,"sentiment":"neutral","sentiment_score":-0.0806533330016666},{"text":"And it just doesn't seem to make a dent.","start_word":2390,"end_word":2398,"sentiment":"negative","sentiment_score":-0.3731759488582611},{"text":"And I know that's No. just because it's early on in the kind of mortgage phase, but it's Yeah. I don't know whether I should be doing something different with that money or rather than putting it on the mortgage. I mean, what the best thing to sort of look at when you're thinking about putting money on the mortgage or, say, investing it, one of the big things is to consider the rate of return. So if, for example and because markets do go up and down, even sitting in a term deposit, the return tends to be a little bit lower. Yeah. If you are putting extra money onto the mortgage and you're, say, paying a 6% return, that's a guaranteed rate of return because you're putting that money into the loan or onto the offset account. As long as it sits there and stays there, it's saving Yeah. you that 6% interest. If, for example, you put that into an investment account or into your super, there are years when the the super and the investments do get fantastic returns, but we also know the investments has years where there's a lot of ups and downs, and we don't get the return we want. So in Yeah. years where the return isn't more than 6%, you're the growth you're making on that money is less than what you would have saved in interest in the mortgage. So it also comes down to what your goals are. Realistically, putting money into the mortgage, trying to pay that down as quickly as possible is the best way to go for most people. Thinking about how much of the the mortgage I had here was about $505,120,000 as of last year. Is that still fairly accurate? Yeah. 500,000 almost exactly. So Okay.","start_word":2399,"end_word":2700,"sentiment":"neutral","sentiment_score":0.0027748446445912123},{"text":"Perfect. Perfect.","start_word":2701,"end_word":2702,"sentiment":"positive","sentiment_score":0.5302988290786743},{"text":"It's definitely down from where we had it, so I'll update that for you.","start_word":2703,"end_word":2716,"sentiment":"neutral","sentiment_score":0.136621356010437},{"text":"I mean and that is a fairly decent amount to be paying off.","start_word":2717,"end_word":2729,"sentiment":"positive","sentiment_score":0.35766705870628357},{"text":"And if you wanna have that paid off prior to, you know, you retiring in about twenty years, just without factoring any additional so twenty years. You'd need to pay without any additional interest accumulating, you'd need to get a payoff about $25,000 on a yearly basis, not including interest. So this is 6% interest on 25,000 is, you know, a little bit more. That adds an extra $1,500, 6% of $26,500 there. So you would be paying that on a regular basis, and interest is accumulating daily.","start_word":2730,"end_word":2817,"sentiment":"neutral","sentiment_score":0.08163198828697205},{"text":"So putting the money on the loan, if you're trying to pay it off by the time you retire in twenty years, is a really good way to go, especially if your husband's retiring and you're gonna be the sole breadwinner and income earner and things could be a No.","start_word":2818,"end_word":2867,"sentiment":"positive","sentiment_score":0.33999189734458923},{"text":"bit tighter. Putting money Yeah. on the loan is the best way to go. Okay. When I sort of talk to most of my clients, they have trouble saving. Using an offset account is great because you can pull the money back if you need to. But if you are also having trouble saving and use that money and you don't wanna use that money, putting it onto the actual loan and having to redraw it back is also another really good way to go.","start_word":2868,"end_word":2952,"sentiment":"neutral","sentiment_score":0.17205651104450226},{"text":"Because once the money is there, you actually see the balance increasing. It Yeah. can sort of help to generate those habits a little bit more as well. We all it creates the habits of human beings. We like to see Yeah. things that are working for us, and when we see the balance decreasing, it kind of makes us feel good, and we wanna keep doing it, keep Yeah. building on that. That Yep. can be a really good way to do that as well knowing that Okay.","start_word":2953,"end_word":3041,"sentiment":"positive","sentiment_score":0.5158632397651672},{"text":"the loan is actually decreasing, not just offsetting the interest. You physically see that occurring, and you know you have to redraw it back. And that can often look be a little bit bigger of a process, Yeah. And Yep. that that's Okay.","start_word":3042,"end_word":3084,"sentiment":"neutral","sentiment_score":0.11517807841300964},{"text":"another really good way to kind of pay that loan down a bit quicker as well. But, I mean, I'm happy to definitely look at, you know, the differences between paying the mortgage off versus investing the money, whether it be in super. If that's something you wanted me to look at, we do provide advice in that area for you as well.","start_word":3085,"end_word":3147,"sentiment":"positive","sentiment_score":0.5133540630340576},{"text":"Yeah. Yeah. I think I just maybe I don't know. I don't know. I'm gonna do lots of factors. I think there's lots of, yeah, Yeah. factors going There's on in so the many next couple things to of think years. about. So yeah. Like, I'm gonna have to get a new car at some point and that Oh, kind yeah. of stuff as well. So I'm like, oh, yeah. I need to probably just get everything done. I need to get done before my husband retires and then Yeah. figure out, yeah, get out, you Can know, I not have it. can Yep. yeah? Can I ask you a question? Is your husband a Yep. client of ours? Do we hold No. his paper at all? No. No. No. If No. he wanted if he wanted to maybe have a look at what he's got, what that looks like, you know, what to do with the money, whether it be drawing down in smaller increments on a regular basis, you're welcome to let him like, talk to him, and he can come and sort of speak to us. Obviously, I'm an adviser, so any advice I do provide does have to be in best interest. There might be a point where we recommend he go into a different super fund. We might recommend he stay in the same fund, but I can and do a lot of retirement advice for a lot of my clients. So if you are wanting if he is wanting to look at what he's got, how that works, and maybe how that can supplement what you're earning and how to get longevity and make the most of his so far, he is welcome Yeah. to come and have a chat with me. I'm honest that if it's, know, not something we can provide personal advice, and I can give him general advice or even strategy paper. If he does decide to come on as a client, we do charge your ongoing service fee percentage, but it's also up to him as well. I just wanna sort of put that out there. And if it's something you guys want help with, we can do that.","start_word":3148,"end_word":3517,"sentiment":"neutral","sentiment_score":0.07806611312804995},{"text":"I can do joint advice for you as well.","start_word":3518,"end_word":3526,"sentiment":"positive","sentiment_score":0.3605445921421051},{"text":"So it looks at what's happening with yours and also him to kinda give you guys a family aspect or outlook on what's projected with your super with retirement with how everything's going for you both? Yeah. Yeah. No. That's okay. Look, he's got bugger all any soap that we use. A big chunk of his soap that's by our house, so it's not Okay. yeah. Not much there. That's okay. That's okay. Yeah. So I That's think I've just all gotta good. figure out how I can yeah. I'll get my son out of the house and then, you know, lose one dependent and gain another dependent. And, yeah, just, yeah, reduce our Yep. expenses in a couple of years. So but, yeah, in Yeah. the meantime, I think I Yeah. just wanna pay off, yeah, pay off a car loan, his car loan, think about getting myself a new car, which I'll need in the next twelve months probably. Yep. Yeah. And a few things like that. So yeah. Alright. Long term wise with my super though, I think, yeah, that's because I'm not a good saver, I think for me, I need to just, yep, make that extra contribution before I even see it and learn Yeah. to live with what that looks like in my take home Yep. pay. Yep.","start_word":3527,"end_word":3750,"sentiment":"neutral","sentiment_score":0.02127932198345661},{"text":"That's absolutely fine.","start_word":3751,"end_word":3753,"sentiment":"positive","sentiment_score":0.41778820753097534},{"text":"Do Yep. maybe do you have a look at your myGov account as well and just see? So when you go into that, if you go into the ATO, then super, you'll have a drop down menu, and it has carry forward contributions. I'm pretty sure you got ATO super and then information, and it has Yep. the drop down which has carry forward contributions. And it basically shows you that you're eligible and how much carry forward you have from the previous financial years. So Yep. long as you've got extra there, if you accidentally go over the cap, that's absolutely fine. Yep. It's just they're making sure that you don't go over the cap because it makes you pay extra tax. So if you did Yeah. have to go Yep. over I don't the wanna cap, do that. they charge you the full yeah. Highest tax margin tax rate with a 15% offset for tax inside super. So you don't wanna end have to pay extra tax for putting that in.","start_word":3754,"end_word":3926,"sentiment":"neutral","sentiment_score":0.07522860638840351},{"text":"It No. defeats the purpose No.","start_word":3927,"end_word":3932,"sentiment":"negative","sentiment_score":-0.3752066493034363},{"text":"of putting the money into super. Yeah. Yeah. Absolutely. Yep. Yeah. Okay. Did you Alright. are you comfortable just sort of letting your employer know what you wanna do with that, or did you wanna sort of get personal advice to down the contribution side of things? No. It should be okay. I've just gotta do an electronic thing in health. That's Yep. all. Everything's just Yep. electronic. So I'll just let them know and see what they come back with. Yeah. That's okay. And hope hopefully, they can manage it without yeah. Making you do it every fortnight. Yeah. Yeah. Exactly. Yeah. Yeah. Yeah. Cool. No. That's okay. And, look, Okay. you are due for your annual review in December. Okay. If you like, Yep. what I could probably do is I can do maybe a catch up with you in, say, three or four months just to sort of see how that salary sacrifice is going, look at what contributions are going in, and maybe just discuss how that's going for you. Does that sound okay? Yeah.","start_word":3933,"end_word":4111,"sentiment":"neutral","sentiment_score":0.060871224850416183},{"text":"That sounds good.","start_word":4112,"end_word":4114,"sentiment":"positive","sentiment_score":0.4910412132740021},{"text":"Yep. Yep. So I'll do it in about three months for you. That way, we do a halfway point and then your annual review is due in December to make it easier. Okay. Yeah.","start_word":4115,"end_word":4148,"sentiment":"neutral","sentiment_score":0.12648365690427668},{"text":"Awesome.","start_word":4149,"end_word":4149,"sentiment":"positive","sentiment_score":0.524295449256897},{"text":"And can you do some projections for me? Can you show me Yes. kind of what what it's gonna look like, say, at 5% or and at 10%, you know, growth with that Yep. extra contribution at fifteen years. I'd like to retire when I'm 60, if I'm honest. I Yeah. don't wanna That's go absolutely a day over fine. 60 as soon as I can access my Subaru. I wanna retire. So, Yeah. That's absolutely fine. Not a problem at all. What I'll do is I'll look at the growth rate based on your current super your current super investment because, Yeah. obviously, Yep. growth rate does change, and Yeah. that Yeah. should be a little bit higher than 5%. It could be a little bit less than 10%. So I'll get that projection done up. My team should be able to have it done either today or tomorrow for you, and I'll email through so you can see the difference there. Yep. Yeah. That And then, would be yeah, great. if you, you know, wanna come back and have a chat, let me know. All of this is just general advice, so we haven't kinda given personal advice. It's not in relation to any of your goals. But if you did wanna just stack your goals in more detail and look at, you know, the contribution side of things, let me know.","start_word":4150,"end_word":4383,"sentiment":"neutral","sentiment_score":0.08270375430583954},{"text":"I'm more than happy to help you with that area, Yes.","start_word":4384,"end_word":4394,"sentiment":"positive","sentiment_score":0.4852972328662872},{"text":"Yes.","start_word":4395,"end_word":4395,"sentiment":"neutral","sentiment_score":0.27385213971138},{"text":"and I'm happy to jump in the advice side of things for you.","start_word":4396,"end_word":4408,"sentiment":"positive","sentiment_score":0.424660861492157},{"text":"But, yeah, let me know how you go, and I'll get that projection updated for you. Okay.","start_word":4409,"end_word":4425,"sentiment":"neutral","sentiment_score":0.2591482400894165},{"text":"Okay. Amazing. Thank you. That's awesome. That's that's okay.","start_word":4426,"end_word":4434,"sentiment":"positive","sentiment_score":0.5555662512779236},{"text":"Was there any other questions or anything else you wanted to kinda go through at the moment? Or No. That's good. I think I'll just No. get this sorted, and I'm just gonna have Yep. to sit down and look at look at Yep.","start_word":4435,"end_word":4478,"sentiment":"neutral","sentiment_score":-0.019815744324163956},{"text":"it's so annoying.","start_word":4479,"end_word":4481,"sentiment":"negative","sentiment_score":-0.48473185300827026},{"text":"Sometimes I wish I just had a straight salary, like, that Yep. was the same all the time. It's, like, yeah, it's great that I can earn extra money, but it also makes it very hard to kind of budget where everything's Absolutely. going. Yeah. Yeah. Yeah. Do Yeah. you have a budget plan or a budget that you use for looking at things like that? A piece of paper and a pen Okay. is what what I use. So If you like, I could send you through our budget plan that we use for our clients.","start_word":4482,"end_word":4578,"sentiment":"neutral","sentiment_score":-0.033119894564151764},{"text":"It's a really yep. great it's the like a money smart budget plan.","start_word":4579,"end_word":4591,"sentiment":"positive","sentiment_score":0.43926116824150085},{"text":"It's all an Excel document. So you can essentially put in everything that you are spending on a regular basis. You can put it in whether it's daily, weekly, monthly, or yearly in whatever it needs to be, and it auto calculates into, you know, monthly, weekly, fortnightly, and annually for you. So it kind of breaks up the payments so you can see exactly what you're spending. And Yep. then each, you know, week or fortnight or month, whenever things change, you can update the income coming in, and then you can sort of see and track your surplus cash a little bit easier to sort of see when money is going and how Yeah. it's also tracking, if that would Yep. help you a little bit. Yeah. That would Yep.","start_word":4592,"end_word":4723,"sentiment":"neutral","sentiment_score":0.14246401190757751},{"text":"be great. Thank you. Beautiful. I'll send that through for you with the projection table. It's not a problem at all today.","start_word":4724,"end_word":4745,"sentiment":"positive","sentiment_score":0.4279254674911499},{"text":"Okay.","start_word":4746,"end_word":4746,"sentiment":"neutral","sentiment_score":0.23914200067520144},{"text":"Easy. Great. Thank you so Lovely. much.","start_word":4747,"end_word":4753,"sentiment":"positive","sentiment_score":0.5597203373908997},{"text":"Did you need to send through the did you need to send the contributions form through for the sales back, or it has that already been provided for you? I think I can just do it on my work thing, I think. Do I need Yep. it from you? No.","start_word":4754,"end_word":4803,"sentiment":"neutral","sentiment_score":0.056969091296195984},{"text":"I think that should be right to do it.","start_word":4804,"end_word":4812,"sentiment":"positive","sentiment_score":0.35899612307548523},{"text":"I just That's needed that okay. USI number which someone gave me last week, so that's fine. Yep.","start_word":4813,"end_word":4830,"sentiment":"neutral","sentiment_score":0.051748260855674744},{"text":"Beautiful. That's okay.","start_word":4831,"end_word":4833,"sentiment":"positive","sentiment_score":0.43950003385543823},{"text":"Yep. If anything changes and you need help Cool. with that, let me know. And once I Yep. get this email out to you as well, you'll have my direct contact. You can email me back with any additional questions or concerns that you do have as well.","start_word":4834,"end_word":4881,"sentiment":"neutral","sentiment_score":0.11880964785814284},{"text":"Awesome. Thank you so much. Okay? That's okay. You have a lovely Okay. day. You Thank too. you for your Thanks, time.","start_word":4882,"end_word":4903,"sentiment":"positive","sentiment_score":0.5542654395103455},{"text":"Dana. Bye. Thanks, Bye. Jay. See you later. Bye.","start_word":4904,"end_word":4912,"sentiment":"neutral","sentiment_score":0.2161712646484375}],"average":{"sentiment":"neutral","sentiment_score":0.10181559146531756}}}}