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I it's taken me a little bit to get back on my feet, but I'm back up and running. Perfect. Now, obviously, Nathan sent your details through to us following, you know, conversations with him. And I guess the way that I would normally conduct our meetings is to, I guess, find out first and foremost what and the reason, I guess, why you're wanting to seek financial advice so we can start digging into things from there. Oh, congratulations. Yep. Mhmm. Yes. Absolutely. Yep. Mhmm. Mhmm. Yeah. Yeah. Okay. Yeah. The because of the child support. And I'm assuming we don't have a a private arrangement. We it's it's all through physically through child support. Yep. Yes. No. Yep. No. That's it. Yeah. Look. Some of the agencies are they're my favorite. Yeah. Okay. Okay. So Nathan's correct in what he's saying with respect to, like, the compounding interest on funds in the superannuation account versus income stream, like, with the income stream versus lump sum withdrawal. And you are very, very much correct when you say that income stream from the super fund can be considered for child support income purposes. So it it is very much, I guess, a catch 22 on that front. I'm I can definitely run figures on, like, what happens if and what happens if on both sides of the coin because that's ultimately what it's gonna come down to is, yes, you would have to, of course, draw more on your super fund. If you went with the income stream, it's not just gonna be to your your income needs. It's gonna extend beyond that. It's gonna have to obviously cover the the child support arrangements. And I can I can do a cost comparison between if we were to you know, what that would do when and if you paid off the mortgage, what that saves you in interest and show you all the facts and figures as to how that that looks on both sides of the coin? And then, ultimately, I guess, it gives you the information to make an informed decision. Because currently, you're looking at you you know what you're looking at. You know that you have a couple of different options, and they can all kinda play out the way they can play out. But I guess what is the actual outcome money wise compounding versus interest say versus where where do all the facts live? May I ask yes. Of course. Sorry. Yep. Yep. Ten percent. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Yes. That's what you're Yeah. Yeah. She said does she feel like moving out to Kokoy or We we never do them. Yes. Yes. Okay. So timeline for you to quit work? Oh, okay. You've already set your timeline. Cool. That's fine. Yep. Less stress. Hey. We don't judge you right from your nines. Otherwise, I'd have to look at my own children. Yeah. Yeah. Okay. So $400,004.04 30, I think you said, owing on the mortgage. Sorry. Right. $3.97. Sorry. Okay. So $3.97, $4.30 in the Superfund. Cool. So, basically, we'd be left with call it 440. That's right. Call it $40 left in the Superfund after you pay out the mortgage. What would you get in income, sorry, from grounds keeping per fortnight? One thousand $20 a fortnight. Okay. Is that gross? Cool. And then teacher teacher relief. I know what suburban or, I guess, metro is what you guys refer to it, metro relief teaching get, but I'm assuming you oh, is it the same? Oh, I would have assumed it was, like, a little bit higher rate. Yep. Okay. Is what remote is considered? Okay. Yeah. I I knew it was something close to $500. Alright. So okay. And then if you did that one day a week, so that's sort of maybe another $2,324,000 a year on top of. Okay. Yes. Yeah. Okay. What is your current income on full teacher wage? Fortnightly. Okay. So basically, 122 and some per annum. Yep. Yeah. Of course. Okay. Yeah. The novated lease, I'm assuming that's through Ed Queen or Education System. So yep. So upon your termination of contract, I'm assuming that there's going to be a push to request to pay? Okay. So, essentially speaking, you'd need to pull the 6,000 to pay out the well, irrespective so you've done the research, so you probably know anyway. But upon, like, termination of the contract and upon turning like, so once you turn 60, you open up the availability to to transition to retirement. So it's where you can basically have the two super funds. One's a pension account. One's what's called an accumulation account, which is what you hold now. And the whole point of that is basically enables you to, in a tax free environment, draw money from the superannuation fund while still receiving contributions from your employer. And that's what the full account basically does. So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation. That money is still tax free. It's paid to you from the Superfund straight to your bank account. You can pay out RemServ. That enables you to do that portion of things. Because it it it's a little bit of a timing thing depending on how RemServ's gonna push it. Once once you the day that you retire, so technically, the thirty first of this month, on the day that you retire, because you have passed 60, you are now in a position of being able to access, as you know, all of the money in your superannuation fund. But it's not as if you can retire on the thirty first and access it on the thirty first because the declaration needs to be made basically on the thirty first that I have met all these conditions. It then takes probably about two weeks. It's not crazy amount of time, but about two weeks for everything to process and for the funds to basically hit your bank account. So depending on how quickly REMServes needs the money will depend on which avenue you probably need to look at doing, whether you look at basically setting up a PTR account or, like, a pension account now with your current provider to basically get that small lump sum to make sure that you have the cash available to pay out RemServ or whether RemServ's happy to wait for a small period of time. Depending on what the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract. But I have also seen RemServ contract. So it wasn't RemServ. It was Maxi. Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay. Yeah. Yeah. Now the other avenue that I'm thinking of, which is and could it could be a possibility is so with superannuation, there's two there's there's there's basically, like, two ways that things can be paid when you hit 60. There's either a benefit payment or a pension payment. A pension payment is considered income. A benefit payment's not. So what you could actually do is sorry. So with the superannuation, you could either have the money paid to you under a pension payment, which is income, because it's an income stream, or a benefit payment, which is not considered an income stream because it's a lump sum amount, which is essentially what you're talking about when it comes to you drawing out, like, the nearly $400,000 paying out the mortgage. But instead of doing the $400,000 as a lump sum, what you could actually do is pull out, say, twelve months worth of your your mortgage payments and pay a lump sum or have it sitting in the offset account type of thing. And then every year, do the same sort of thing. Pay out a lump sum. And I know it sounds weird because, ultimately, like, at the time that you pull the money, you're not gonna be retired. But there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60. Not that you are still ceased, but that you have ceased. So because you've turned 60 and then you have ceased a gainful employment contract, you could still in the future access those funds. Yes. Sorry. Yeah. Like, you could turn around let's say on on the I was gonna say the thirty second. On the August 1, you could you could basically turn around and say, I wanna pull out $52. That's, you know, that's enough to cover, you know, my mortgage repayments and give me a little bit of a buffer, whatever the case may be. I popped the figure because I don't think you actually told me my your mortgage repayments. But that that would be enough to cover my mortgage repayments. Take that money, put it into your offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve months. There you go. $11.74 $11.70 a fortnight. Yep. Yeah. $30,004.20. Yeah. So, you know, pull out, say, 32,000, pop that into the, like, offset, and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how you have your current arrangement set. And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown in twelve months' time. If you're gonna say more regularly than that, I e quarterly or fortnightly, no. That's then considered income. Yeah. Absolutely. Yeah. Yeah. Yeah. You could do yeah. Two two years, eighteen months. Yeah. Absolutely. Do the same thing. That would cover you to child support. It means you're not pulling. And, again, this is without me actually calculating anything and looking at anything because, theoretically, I'm gonna make an assumption and say that your mortgage is sitting on something like a 6% interest rate. Theoretically, if you if your superannuation fund is really conservatively invested, your super fund could be making less than 6%. I don't know without having a look at what investments you're currently invested in and what the fees are and stuff like that, which I can definitely do. But this is this is under the guys, and what Nathan was saying is basically under the stipulation that your super fund is actually working well for you and is not, I guess, hamstringing you. Probably the best analogy I have today. It's working. Good. So yeah. So if if it if it's working really well, then, yeah, just just a I would basically so the the the day after or even depending on how you're feeling retirement day, contact your current provider, whomever that may be, and you would make a declaration to them that, hey. I am 60. I am I am no longer gainfully employed, and I am retired, and I would like to draw out, say, just call it $60. That covers two years. 60 grand. Providing it doesn't come from a pension account and it comes from your accumulation account and it's a benefit payment as a lump sum. Correct. If it's if it's coming out of, here, if it's coming out of a pension account and it's paid as a pension payment, then it is an income. No. You don't yeah. You don't have to take all of it at one go. There's not while you're unemployed. For the period of time for for if for which you are unemployed, there is no minimum maximum. Once you go back to employment, it's gonna restrict you a bit down back down to that 10%. Yep. A little bit. Yeah. If you could if you could take a week off or so, that'd be really good. K. And that's where you make the declaration that I am not employed. I've retired, and I would like to seek to get paid this money. Yeah. Just retired. Just get tired. And then if you choose to get offered the random job and it's it works out well for you, then magical. No. Right. Yeah. Just just submitting the paperwork. And you do not wanna set up a pension account. I'm gonna be really clear. Do not set up a pension account. Do it all from your accumulation account. Yep. Yeah. Yeah. Of course. Generally speaking, offset accounts don't make, I mean, they they can, but they're not making lots of interest. Maybe a couple bucks. Absolutely. May I ask how old is Lucy? Cool. Yep. So the same thing yeah. So you've you've already been doing this. One of the one of the biggest things you should probably make sure that you're looking at, because you're still working with a TTR account, is have a look at where the money's sitting between your accumulation and your pension funds. Because your pension funds obviously been distributing income, and the accumulation account being receiving contributions. It's the new financial year. So what happened at the new financial year is as at, you know, June 30, July 1, your provider, so your super super provider, reviewed how much was in your pension account, and they said, well, based on your balance as at end of financial year, your new pension payments, based on how it was set up, are now going to be blah. And so long as they fall between the 4% to 10% mark, they may not have changed. Yeah. But if you had it set to get the maximum payments, the payments may have changed. Yeah. So if you just had a a dollar figure, it's fine. But the other thing that you could do is even though and I know it sounds silly. Even though you've you transitioned to retirement to drop your hours to enjoy life more, you could actually increase how much you're you're paying into your super. So you could salary sacrifice more into your super and then take more because what you're ending up doing is, I guess, screwing over the government tax wise, which is my favorite thing to do in the world because your marginal tax rate and, again, this is all dependent on what your income is to to how it would work. But depending on what your income is, you could basically and because, like, marginal tax is bracketed. So the first 18200, you pay no tax on. Between 18045, we pay up to 16%, so on and so on. So anything basically up to about that $45,000, depending on what your income is, if you salary sacrifice that into your super, so anything in excess of 45,000, pop that into your super, and then draw it out tax free, you're gonna end up way better tax wise. As a general rule of thumb and without actually giving you advice, I wanna be really clear on that. Just just general rule of thumb, if you want me to actually look into this, I definitely can, but I'd need to have a little bit more of an extensive conversation and start getting information from you guys. But just to be general and give you information and but the other thing to do is the if your if your pension's currently supporting you and you're comfortable with it, then, I mean, leave it as it is. If you wanna take more out, you will need to move your pension account back to accumulation and then basically pick up the excess money in your accumulation account and move it back over to pension. I know it sounds really weird, but, basically, a pension account cannot have a contribution made to it. And if your accumulation account over, you know, the since it's been set up has grown and is now obviously, it it will be. It'll be larger than what it was when you pulled money out of it and put it into pension phase. Then that money can't just be shifted over to pension. You actually have to move the pension over and pick it up and then move it into a new pension account. It's an absolute pain, but it's the way it's all legislatively set up. Yeah. That's that's the that's the complexities of things and and, you know, how I could help. But, you know, it's dependent on whether you you want me to look a little bit deeper into things. So, realistically, as an adviser, what apart from giving you guys information, what I would do and what I can do is conversations like this is where we start off, And then I go through and I would do a little bit more delving and digging into your financial position. So, you know, like, last year's tax return, having a look at your payslips, getting a little bit more information about, like, the interest rate on your loan, how it's currently structured, so on and so forth. And then I run scenarios and algorithms, and I look at if we were to do, then what is the outcome. And I run all the situations that I can possibly think of, And sometimes that's two or three, and sometimes that's 53 different situations. And then I turn around and go cool. Out of all the scenarios I've run, this is the one that's gonna get you the best outcome to meet the goals that you stipulated as a couple or an individual or whatever the case may be. And sometimes, like I said, it's just about paying less tax, and that's not something you might have come to me with, but sometimes that's what I find as an avenue, and we do. So first and foremost, this conversation and any initial conversations are completely complimentary. Everything that I do from here up until what's called statement of advice stage is completely complimentary. So all the research, the looking into, the digging, the comparisons, all free. I draw up a statement of advice, which is basically a amalgamation of all the research and formalization of my advice. That is all free. We would get together and have a conversation to present the advice, and then the fee would be paid upon you guys accepting and my implementation of it. So there's two parts to my fees. First is the initial fee, which is for us to actually do the initial setup of everything. For a couple, that is $6,600 capped. That's it. That is for everything all up. Ongoing, we have a tiered fee structure. It's all based on the funds under management and what we're ultimately doing for you. All of the fees would be detailed in the statement of advice clearly. They're written about four different places throughout the document, so we don't hide it. And they're all listed there. Our fees are also broken down on the financial services guide, which I believe was attached to the invite card invite? I might be mistaken. No. It's not. I can email it to you, though. Sorry. I I generally do attach it, but I must've had a moment. I yeah. I'll I'll email that to you so that way it sort of breaks it down. It's a little bit easier to see than for me to explain. So yeah. So I I'm more than happy to go through and and do that and and break everything down. If you do want me to dig into things, I do need to, I guess, ask a few other questions. And it's like general questions like your date of birth, your actual your address, you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth. So that way I can actually dig into the numbers. And then from there, deliver the advice. So, theoretically speaking, if you're wanting it turned around by the end of the month, I can definitely do that, But that would be very much dependent on you guys getting me the documents. Providing I've had all the documents from you within the next, say, probably ten days, so no later than, like, Monday, Tuesday, the twentieth, twenty first, I would be able to turn the advice around by the beginning of the week of the twenty seventh, twenty eighth. So that way, you had all the information, and we had the time to be able to execute by the thirty first ish. Absolutely. No. That's completely okay. Some like, look. Sometimes I meet with clients and it is just information. I swear about 50% of my my job is education because, unfortunately, they don't teach it in schools. So no. They don't. So yeah. So so, you know, a lot a lot of what I do is just is education based and, you know, I've had clients I've been in the industry for a little over ten years, and I've had clients for just as long. And still, I teach them new things every year. So more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at. And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those. And, look, it doesn't have to be prior to the end of this month. You know, if you guys wanna go and execute what we've kinda talked about, whether that is the full lump sum of 400,000, whether that's, you know, two years worth of the mortgage repayments or whatever the case may be that you guys decide, that's that's that's completely okay. And, you know, you can always loop back around, and we can have a chat at a later date when things are maybe a little less little less stressful and when you've maybe had a chance to enjoy what, you know, retirement looks like. Yeah. Semi retirement. Yep. If you run into any other questions or have any any concerns, you have my email address. Feel free to flick an email through and say, hey. I had a few questions. It's these ones. I'm free at this time, and I can add hot call you. Or if they're easy enough, it's just sometimes questions that are a little bit more complex in nature are a little bit easier to explain over the phone than in an email. I always try to email the answer, but sometimes it's easier to follow-up with with a call as well. So if you flick an email through and say, these are the questions. This is what I wanna know. Call me around this time, I will do so. I obviously, you're school based, so you're only available after school time. I'm pretty flexible. I generally work until much to my husband's and children's discussed till, like, 07:00 at night or later. So I'm more than happy to make that call in the afternoon or the evening. I can have dinner with you and have a chat. Well, if there's ever anything else, let me know. But otherwise, you guys go and talk amongst yourselves and, yeah, feel free to email me. My pleasure. Thank you so much for taking the time to chat with me. I really appreciate it, and good luck. 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Steven. Larissa from Oakview Financial. How are you going? Oh, hi. How are you going?\n\nThat's good. I really do apologize that I was unavailable last week. I it's taken me a little bit to get back on my feet, but I'm back up and running. Perfect. Now, obviously, Nathan sent your details through to us following, you know, conversations with him.\n\nAnd I guess the way that I would normally conduct our meetings is to, I guess, find out first and foremost what and the reason, I guess, why you're wanting to seek financial advice so we can start digging into things from there. Oh, congratulations. Yep. Mhmm. Yes.\n\nAbsolutely. Yep. Mhmm. Mhmm. Yeah.\n\nYeah. Okay. Yeah. The because of the child support. And I'm assuming we don't have a a private arrangement.\n\nWe it's it's all through physically through child support. Yep. Yes. No. Yep.\n\nNo. That's it. Yeah. Look. Some of the agencies are they're my favorite.\n\nYeah. Okay. Okay. So Nathan's correct in what he's saying with respect to, like, the compounding interest on funds in the superannuation account versus income stream, like, with the income stream versus lump sum withdrawal. And you are very, very much correct when you say that income stream from the super fund can be considered for child support income purposes.\n\nSo it it is very much, I guess, a catch 22 on that front. I'm I can definitely run figures on, like, what happens if and what happens if on both sides of the coin because that's ultimately what it's gonna come down to is, yes, you would have to, of course, draw more on your super fund. If you went with the income stream, it's not just gonna be to your your income needs. It's gonna extend beyond that. It's gonna have to obviously cover the the child support arrangements.\n\nAnd I can I can do a cost comparison between if we were to you know, what that would do when and if you paid off the mortgage, what that saves you in interest and show you all the facts and figures as to how that that looks on both sides of the coin? And then, ultimately, I guess, it gives you the information to make an informed decision. Because currently, you're looking at you you know what you're looking at. You know that you have a couple of different options, and they can all kinda play out the way they can play out. But I guess what is the actual outcome money wise compounding versus interest say versus where where do all the facts live?\n\nMay I ask yes. Of course. Sorry. Yep. Yep.\n\nTen percent. Yep. Yep. Yep. Mhmm.\n\nMhmm. Yep. Yes. That's what you're Yeah. Yeah.\n\nShe said does she feel like moving out to Kokoy or We we never do them. Yes. Yes. Okay. So timeline for you to quit work?\n\nOh, okay. You've already set your timeline. Cool. That's fine. Yep.\n\nLess stress. Hey. We don't judge you right from your nines. Otherwise, I'd have to look at my own children. Yeah.\n\nYeah. Okay. So $400,004.04 30, I think you said, owing on the mortgage. Sorry. Right.\n\n$3.97. Sorry. Okay. So $3.97, $4.30 in the Superfund. Cool.\n\nSo, basically, we'd be left with call it 440. That's right. Call it $40 left in the Superfund after you pay out the mortgage. What would you get in income, sorry, from grounds keeping per fortnight? One thousand $20 a fortnight.\n\nOkay. Is that gross? Cool. And then teacher teacher relief. I know what suburban or, I guess, metro is what you guys refer to it, metro relief teaching get, but I'm assuming you oh, is it the same?\n\nOh, I would have assumed it was, like, a little bit higher rate. Yep. Okay. Is what remote is considered? Okay.\n\nYeah. I I knew it was something close to $500. Alright. So okay. And then if you did that one day a week, so that's sort of maybe another $2,324,000 a year on top of.\n\nOkay. Yes. Yeah. Okay. What is your current income on full teacher wage?\n\nFortnightly. Okay. So basically, 122 and some per annum. Yep. Yeah.\n\nOf course. Okay. Yeah. The novated lease, I'm assuming that's through Ed Queen or Education System. So yep.\n\nSo upon your termination of contract, I'm assuming that there's going to be a push to request to pay? Okay. So, essentially speaking, you'd need to pull the 6,000 to pay out the well, irrespective so you've done the research, so you probably know anyway. But upon, like, termination of the contract and upon turning like, so once you turn 60, you open up the availability to to transition to retirement. So it's where you can basically have the two super funds.\n\nOne's a pension account. One's what's called an accumulation account, which is what you hold now. And the whole point of that is basically enables you to, in a tax free environment, draw money from the superannuation fund while still receiving contributions from your employer. And that's what the full account basically does. So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation.\n\nThat money is still tax free. It's paid to you from the Superfund straight to your bank account. You can pay out RemServ. That enables you to do that portion of things. Because it it it's a little bit of a timing thing depending on how RemServ's gonna push it.\n\nOnce once you the day that you retire, so technically, the thirty first of this month, on the day that you retire, because you have passed 60, you are now in a position of being able to access, as you know, all of the money in your superannuation fund. But it's not as if you can retire on the thirty first and access it on the thirty first because the declaration needs to be made basically on the thirty first that I have met all these conditions. It then takes probably about two weeks. It's not crazy amount of time, but about two weeks for everything to process and for the funds to basically hit your bank account. So depending on how quickly REMServes needs the money will depend on which avenue you probably need to look at doing, whether you look at basically setting up a PTR account or, like, a pension account now with your current provider to basically get that small lump sum to make sure that you have the cash available to pay out RemServ or whether RemServ's happy to wait for a small period of time.\n\nDepending on what the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract. But I have also seen RemServ contract. So it wasn't RemServ. It was Maxi. Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay.\n\nYeah. Yeah. Now the other avenue that I'm thinking of, which is and could it could be a possibility is so with superannuation, there's two there's there's there's basically, like, two ways that things can be paid when you hit 60. There's either a benefit payment or a pension payment. A pension payment is considered income.\n\nA benefit payment's not. So what you could actually do is sorry. So with the superannuation, you could either have the money paid to you under a pension payment, which is income, because it's an income stream, or a benefit payment, which is not considered an income stream because it's a lump sum amount, which is essentially what you're talking about when it comes to you drawing out, like, the nearly $400,000 paying out the mortgage. But instead of doing the $400,000 as a lump sum, what you could actually do is pull out, say, twelve months worth of your your mortgage payments and pay a lump sum or have it sitting in the offset account type of thing. And then every year, do the same sort of thing.\n\nPay out a lump sum. And I know it sounds weird because, ultimately, like, at the time that you pull the money, you're not gonna be retired. But there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60. Not that you are still ceased, but that you have ceased. So because you've turned 60 and then you have ceased a gainful employment contract, you could still in the future access those funds.\n\nYes. Sorry. Yeah. Like, you could turn around let's say on on the I was gonna say the thirty second. On the August 1, you could you could basically turn around and say, I wanna pull out $52.\n\nThat's, you know, that's enough to cover, you know, my mortgage repayments and give me a little bit of a buffer, whatever the case may be. I popped the figure because I don't think you actually told me my your mortgage repayments. But that that would be enough to cover my mortgage repayments. Take that money, put it into your offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve months. There you go.\n\n$11.74 $11.70 a fortnight. Yep. Yeah. $30,004.20. Yeah.\n\nSo, you know, pull out, say, 32,000, pop that into the, like, offset, and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how you have your current arrangement set. And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown in twelve months' time. If you're gonna say more regularly than that, I e quarterly or fortnightly, no. That's then considered income. Yeah.\n\nAbsolutely. Yeah. Yeah. Yeah. You could do yeah.\n\nTwo two years, eighteen months. Yeah. Absolutely. Do the same thing. That would cover you to child support.\n\nIt means you're not pulling. And, again, this is without me actually calculating anything and looking at anything because, theoretically, I'm gonna make an assumption and say that your mortgage is sitting on something like a 6% interest rate. Theoretically, if you if your superannuation fund is really conservatively invested, your super fund could be making less than 6%. I don't know without having a look at what investments you're currently invested in and what the fees are and stuff like that, which I can definitely do. But this is this is under the guys, and what Nathan was saying is basically under the stipulation that your super fund is actually working well for you and is not, I guess, hamstringing you.\n\nProbably the best analogy I have today. It's working. Good. So yeah. So if if it if it's working really well, then, yeah, just just a I would basically so the the the day after or even depending on how you're feeling retirement day, contact your current provider, whomever that may be, and you would make a declaration to them that, hey.\n\nI am 60. I am I am no longer gainfully employed, and I am retired, and I would like to draw out, say, just call it $60. That covers two years. 60 grand. Providing it doesn't come from a pension account and it comes from your accumulation account and it's a benefit payment as a lump sum.\n\nCorrect. If it's if it's coming out of, here, if it's coming out of a pension account and it's paid as a pension payment, then it is an income. No. You don't yeah. You don't have to take all of it at one go.\n\nThere's not while you're unemployed. For the period of time for for if for which you are unemployed, there is no minimum maximum. Once you go back to employment, it's gonna restrict you a bit down back down to that 10%. Yep. A little bit.\n\nYeah. If you could if you could take a week off or so, that'd be really good. K. And that's where you make the declaration that I am not employed. I've retired, and I would like to seek to get paid this money.\n\nYeah. Just retired. Just get tired. And then if you choose to get offered the random job and it's it works out well for you, then magical. No.\n\nRight. Yeah. Just just submitting the paperwork. And you do not wanna set up a pension account. I'm gonna be really clear.\n\nDo not set up a pension account. Do it all from your accumulation account. Yep. Yeah. Yeah.\n\nOf course. Generally speaking, offset accounts don't make, I mean, they they can, but they're not making lots of interest. Maybe a couple bucks. Absolutely. May I ask how old is Lucy?\n\nCool. Yep. So the same thing yeah. So you've you've already been doing this. One of the one of the biggest things you should probably make sure that you're looking at, because you're still working with a TTR account, is have a look at where the money's sitting between your accumulation and your pension funds.\n\nBecause your pension funds obviously been distributing income, and the accumulation account being receiving contributions. It's the new financial year. So what happened at the new financial year is as at, you know, June 30, July 1, your provider, so your super super provider, reviewed how much was in your pension account, and they said, well, based on your balance as at end of financial year, your new pension payments, based on how it was set up, are now going to be blah. And so long as they fall between the 4% to 10% mark, they may not have changed. Yeah.\n\nBut if you had it set to get the maximum payments, the payments may have changed. Yeah. So if you just had a a dollar figure, it's fine. But the other thing that you could do is even though and I know it sounds silly. Even though you've you transitioned to retirement to drop your hours to enjoy life more, you could actually increase how much you're you're paying into your super.\n\nSo you could salary sacrifice more into your super and then take more because what you're ending up doing is, I guess, screwing over the government tax wise, which is my favorite thing to do in the world because your marginal tax rate and, again, this is all dependent on what your income is to to how it would work. But depending on what your income is, you could basically and because, like, marginal tax is bracketed. So the first 18200, you pay no tax on. Between 18045, we pay up to 16%, so on and so on. So anything basically up to about that $45,000, depending on what your income is, if you salary sacrifice that into your super, so anything in excess of 45,000, pop that into your super, and then draw it out tax free, you're gonna end up way better tax wise.\n\nAs a general rule of thumb and without actually giving you advice, I wanna be really clear on that. Just just general rule of thumb, if you want me to actually look into this, I definitely can, but I'd need to have a little bit more of an extensive conversation and start getting information from you guys. But just to be general and give you information and but the other thing to do is the if your if your pension's currently supporting you and you're comfortable with it, then, I mean, leave it as it is. If you wanna take more out, you will need to move your pension account back to accumulation and then basically pick up the excess money in your accumulation account and move it back over to pension. I know it sounds really weird, but, basically, a pension account cannot have a contribution made to it.\n\nAnd if your accumulation account over, you know, the since it's been set up has grown and is now obviously, it it will be. It'll be larger than what it was when you pulled money out of it and put it into pension phase. Then that money can't just be shifted over to pension. You actually have to move the pension over and pick it up and then move it into a new pension account. It's an absolute pain, but it's the way it's all legislatively set up.\n\nYeah. That's that's the that's the complexities of things and and, you know, how I could help. But, you know, it's dependent on whether you you want me to look a little bit deeper into things. So, realistically, as an adviser, what apart from giving you guys information, what I would do and what I can do is conversations like this is where we start off, And then I go through and I would do a little bit more delving and digging into your financial position. So, you know, like, last year's tax return, having a look at your payslips, getting a little bit more information about, like, the interest rate on your loan, how it's currently structured, so on and so forth.\n\nAnd then I run scenarios and algorithms, and I look at if we were to do, then what is the outcome. And I run all the situations that I can possibly think of, And sometimes that's two or three, and sometimes that's 53 different situations. And then I turn around and go cool. Out of all the scenarios I've run, this is the one that's gonna get you the best outcome to meet the goals that you stipulated as a couple or an individual or whatever the case may be. And sometimes, like I said, it's just about paying less tax, and that's not something you might have come to me with, but sometimes that's what I find as an avenue, and we do.\n\nSo first and foremost, this conversation and any initial conversations are completely complimentary. Everything that I do from here up until what's called statement of advice stage is completely complimentary. So all the research, the looking into, the digging, the comparisons, all free. I draw up a statement of advice, which is basically a amalgamation of all the research and formalization of my advice. That is all free.\n\nWe would get together and have a conversation to present the advice, and then the fee would be paid upon you guys accepting and my implementation of it. So there's two parts to my fees. First is the initial fee, which is for us to actually do the initial setup of everything. For a couple, that is $6,600 capped. That's it.\n\nThat is for everything all up. Ongoing, we have a tiered fee structure. It's all based on the funds under management and what we're ultimately doing for you. All of the fees would be detailed in the statement of advice clearly. They're written about four different places throughout the document, so we don't hide it.\n\nAnd they're all listed there. Our fees are also broken down on the financial services guide, which I believe was attached to the invite card invite? I might be mistaken. No. It's not.\n\nI can email it to you, though. Sorry. I I generally do attach it, but I must've had a moment. I yeah. I'll I'll email that to you so that way it sort of breaks it down.\n\nIt's a little bit easier to see than for me to explain. So yeah. So I I'm more than happy to go through and and do that and and break everything down. If you do want me to dig into things, I do need to, I guess, ask a few other questions. And it's like general questions like your date of birth, your actual your address, you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth.\n\nSo that way I can actually dig into the numbers. And then from there, deliver the advice. So, theoretically speaking, if you're wanting it turned around by the end of the month, I can definitely do that, But that would be very much dependent on you guys getting me the documents. Providing I've had all the documents from you within the next, say, probably ten days, so no later than, like, Monday, Tuesday, the twentieth, twenty first, I would be able to turn the advice around by the beginning of the week of the twenty seventh, twenty eighth. So that way, you had all the information, and we had the time to be able to execute by the thirty first ish.\n\nAbsolutely. No. That's completely okay. Some like, look. Sometimes I meet with clients and it is just information.\n\nI swear about 50% of my my job is education because, unfortunately, they don't teach it in schools. So no. They don't. So yeah. So so, you know, a lot a lot of what I do is just is education based and, you know, I've had clients I've been in the industry for a little over ten years, and I've had clients for just as long.\n\nAnd still, I teach them new things every year. So more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at. And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those. And, look, it doesn't have to be prior to the end of this month. You know, if you guys wanna go and execute what we've kinda talked about, whether that is the full lump sum of 400,000, whether that's, you know, two years worth of the mortgage repayments or whatever the case may be that you guys decide, that's that's that's completely okay.\n\nAnd, you know, you can always loop back around, and we can have a chat at a later date when things are maybe a little less little less stressful and when you've maybe had a chance to enjoy what, you know, retirement looks like. Yeah. Semi retirement. Yep. If you run into any other questions or have any any concerns, you have my email address.\n\nFeel free to flick an email through and say, hey. I had a few questions. It's these ones. I'm free at this time, and I can add hot call you. Or if they're easy enough, it's just sometimes questions that are a little bit more complex in nature are a little bit easier to explain over the phone than in an email.\n\nI always try to email the answer, but sometimes it's easier to follow-up with with a call as well. So if you flick an email through and say, these are the questions. This is what I wanna know. Call me around this time, I will do so. I obviously, you're school based, so you're only available after school time.\n\nI'm pretty flexible. I generally work until much to my husband's and children's discussed till, like, 07:00 at night or later. So I'm more than happy to make that call in the afternoon or the evening. I can have dinner with you and have a chat. Well, if there's ever anything else, let me know.\n\nBut otherwise, you guys go and talk amongst yourselves and, yeah, feel free to email me. My pleasure. Thank you so much for taking the time to chat with me. I really appreciate it, and good luck. Bye, guys.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":2.48,"end":3.36,"sentiment":"neutral","sentiment_score":0.17673532664775848},{"text":"Larissa from Oakview Financial.","start":3.36,"end":4.72,"sentiment":"neutral","sentiment_score":0.23061681538820267},{"text":"How are you going?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.26750756055116653},{"text":"Oh, hi.","start":8.88,"end":9.92,"sentiment":"neutral","sentiment_score":0.19157277792692184},{"text":"How are you going?","start":9.92,"end":11.059999,"sentiment":"neutral","sentiment_score":0.19488625973463058}],"sentiment":"neutral","sentiment_score":0.219291171990335,"num_words":16,"start":2.48,"end":11.059999},{"sentences":[{"text":"That's good.","start":13.855,"end":14.755,"sentiment":"positive","sentiment_score":0.635635495185852},{"text":"I really do apologize that I was unavailable last week.","start":14.895,"end":19.955,"sentiment":"neutral","sentiment_score":-0.18981163650751115},{"text":"I it's taken me a little bit to get back on my feet, but I'm back up and running.","start":20.015,"end":24.835,"sentiment":"neutral","sentiment_score":-0.029442151518244492},{"text":"Perfect.","start":28.84,"end":29.34,"sentiment":"positive","sentiment_score":0.5473968982696533},{"text":"Now, obviously, Nathan sent your details through to us following, you know, conversations with him.","start":29.960001,"end":38.295,"sentiment":"neutral","sentiment_score":0.15704113245010376}],"sentiment":"neutral","sentiment_score":0.03652697088236504,"num_words":47,"start":13.855,"end":38.295},{"sentences":[{"text":"And I guess the way that I would normally conduct our meetings is to, I guess, find out first and foremost what and the reason, I guess, why you're wanting to seek financial advice so we can start digging into things from there.","start":39.254997,"end":52.394997,"sentiment":"neutral","sentiment_score":0.026984916122760192},{"text":"Oh, congratulations.","start":57.43,"end":58.81,"sentiment":"positive","sentiment_score":0.434271901845932},{"text":"Yep.","start":69.045,"end":69.545,"sentiment":"neutral","sentiment_score":0.023122724145650864},{"text":"Mhmm.","start":92.354996,"end":92.854996,"sentiment":"neutral","sentiment_score":0.005587661638855934},{"text":"Yes.","start":96.755,"end":97.255,"sentiment":"neutral","sentiment_score":0.03732661157846451}],"sentiment":"neutral","sentiment_score":0.04364442071528174,"num_words":48,"start":39.254997,"end":97.255},{"sentences":[{"text":"Absolutely.","start":124.145,"end":124.645,"sentiment":"neutral","sentiment_score":0.1723107397556305},{"text":"Yep.","start":124.705,"end":125.205,"sentiment":"neutral","sentiment_score":0.0633038729429245},{"text":"Mhmm.","start":139.63501,"end":140.13501,"sentiment":"neutral","sentiment_score":-0.17985273897647858},{"text":"Mhmm.","start":169.395,"end":169.895,"sentiment":"neutral","sentiment_score":0.06751378625631332},{"text":"Yeah.","start":196.545,"end":197.045,"sentiment":"neutral","sentiment_score":0.052012812346220016}],"sentiment":"neutral","sentiment_score":0.03505769446492195,"num_words":5,"start":124.145,"end":197.045},{"sentences":[{"text":"Yeah.","start":239.485,"end":239.985,"sentiment":"neutral","sentiment_score":-0.10667093098163603},{"text":"Okay.","start":240.845,"end":241.345,"sentiment":"neutral","sentiment_score":-0.15900608897209167},{"text":"Yeah.","start":259.36,"end":259.86,"sentiment":"neutral","sentiment_score":-0.19110281765460968},{"text":"The because of the child support.","start":260.08,"end":261.69998,"sentiment":"neutral","sentiment_score":-0.2527841180562973},{"text":"And I'm assuming we don't have a a private arrangement.","start":262.455,"end":271.115,"sentiment":"neutral","sentiment_score":-0.14030641913414002}],"sentiment":"neutral","sentiment_score":-0.17771309143618533,"num_words":19,"start":239.485,"end":271.115},{"sentences":[{"text":"We it's it's all through physically through child support.","start":271.175,"end":274.395,"sentiment":"neutral","sentiment_score":-0.10472542916735013},{"text":"Yep.","start":310.57,"end":311.07,"sentiment":"neutral","sentiment_score":0.023802852258086205},{"text":"Yes.","start":339.685,"end":340.185,"sentiment":"neutral","sentiment_score":-0.03608272969722748},{"text":"No.","start":355.86,"end":356.36,"sentiment":"neutral","sentiment_score":-0.2926566004753113},{"text":"Yep.","start":384.28998,"end":384.78998,"sentiment":"neutral","sentiment_score":-0.05217668041586876}],"sentiment":"neutral","sentiment_score":-0.09997246314126712,"num_words":13,"start":271.175,"end":384.78998},{"sentences":[{"text":"No.","start":412.475,"end":412.795,"sentiment":"negative","sentiment_score":-0.3873777985572815},{"text":"That's it.","start":412.795,"end":413.615,"sentiment":"neutral","sentiment_score":-0.3037792891263962},{"text":"Yeah.","start":415.835,"end":416.155,"sentiment":"neutral","sentiment_score":0.03732840716838837},{"text":"Look.","start":416.155,"end":416.475,"sentiment":"neutral","sentiment_score":0.08904619514942169},{"text":"Some of the agencies are they're my favorite.","start":416.475,"end":419.775,"sentiment":"neutral","sentiment_score":0.12926029786467552}],"sentiment":"neutral","sentiment_score":0.012732354494241567,"num_words":13,"start":412.475,"end":419.775},{"sentences":[{"text":"Yeah.","start":422.475,"end":422.975,"sentiment":"neutral","sentiment_score":0.06463785469532013},{"text":"Okay.","start":423.755,"end":424.255,"sentiment":"neutral","sentiment_score":0.04404523596167565},{"text":"Okay.","start":429.22,"end":429.7,"sentiment":"neutral","sentiment_score":-0.03061835654079914},{"text":"So Nathan's correct in what he's saying with respect to, like, the compounding interest on funds in the superannuation account versus income stream, like, with the income stream versus lump sum withdrawal.","start":429.7,"end":445.445,"sentiment":"neutral","sentiment_score":0.08120477135526016},{"text":"And you are very, very much correct when you say that income stream from the super fund can be considered for child support income purposes.","start":449.98502,"end":459.96997,"sentiment":"positive","sentiment_score":0.4970944392681122}],"sentiment":"neutral","sentiment_score":0.2517329733197888,"num_words":60,"start":422.475,"end":459.96997},{"sentences":[{"text":"So it it is very much, I guess, a catch 22 on that front.","start":460.03,"end":463.81,"sentiment":"positive","sentiment_score":0.4033631682395935},{"text":"I'm I can definitely run figures on, like, what happens if and what happens if on both sides of the coin because that's ultimately what it's gonna come down to is, yes, you would have to, of course, draw more on your super fund.","start":467.25497,"end":483.38,"sentiment":"neutral","sentiment_score":0.2964871441098777},{"text":"If you went with the income stream, it's not just gonna be to your your income needs.","start":483.68,"end":491.84,"sentiment":"neutral","sentiment_score":0.219427689909935},{"text":"It's gonna extend beyond that.","start":491.84,"end":493.665,"sentiment":"neutral","sentiment_score":0.21735268235206603},{"text":"It's gonna have to obviously cover the the child support arrangements.","start":494.225,"end":498.08502,"sentiment":"neutral","sentiment_score":0.22119331901723688}],"sentiment":"neutral","sentiment_score":0.28508438841327205,"num_words":91,"start":460.03,"end":498.08502},{"sentences":[{"text":"And I can I can do a cost comparison between if we were to you know, what that would do when and if you paid off the mortgage, what that saves you in interest and show you all the facts and figures as to how that that looks on both sides of the coin?","start":499.825,"end":512.03,"sentiment":"positive","sentiment_score":0.34551969446517805},{"text":"And then, ultimately, I guess, it gives you the information to make an informed decision.","start":512.03,"end":517.89,"sentiment":"positive","sentiment_score":0.4532834470272064},{"text":"Because currently, you're looking at you you know what you're looking at.","start":518.59,"end":522.19,"sentiment":"neutral","sentiment_score":0.020943251127998035},{"text":"You know that you have a couple of different options, and they can all kinda play out the way they can play out.","start":522.19,"end":527.605,"sentiment":"neutral","sentiment_score":0.018935092441413715},{"text":"But I guess what is the actual outcome money wise compounding versus interest say versus where where do all the facts live?","start":527.745,"end":536.485,"sentiment":"neutral","sentiment_score":-0.021821714429692787}],"sentiment":"neutral","sentiment_score":0.2036830446727219,"num_words":126,"start":499.825,"end":536.485},{"sentences":[{"text":"May I ask yes.","start":538.51,"end":540.02997,"sentiment":"neutral","sentiment_score":-0.028837413992732763},{"text":"Of course.","start":540.02997,"end":540.43,"sentiment":"neutral","sentiment_score":-0.06198184937238693},{"text":"Sorry.","start":540.43,"end":540.93,"sentiment":"neutral","sentiment_score":-0.22196489572525024},{"text":"Yep.","start":553.065,"end":553.565,"sentiment":"neutral","sentiment_score":-0.2210768163204193},{"text":"Yep.","start":574.28,"end":574.755,"sentiment":"neutral","sentiment_score":0.10764717310667038}],"sentiment":"neutral","sentiment_score":-0.06385643262830046,"num_words":9,"start":538.51,"end":574.755},{"sentences":[{"text":"Ten percent.","start":577.315,"end":578.135,"sentiment":"neutral","sentiment_score":0.14971712231636047},{"text":"Yep.","start":578.675,"end":579.175,"sentiment":"neutral","sentiment_score":0.09593089669942856},{"text":"Yep.","start":581.875,"end":582.375,"sentiment":"neutral","sentiment_score":0.030584588646888733},{"text":"Yep.","start":597.33,"end":597.83,"sentiment":"neutral","sentiment_score":-0.057513654232025146},{"text":"Mhmm.","start":613.76,"end":614.26,"sentiment":"neutral","sentiment_score":-0.017196375876665115}],"sentiment":"neutral","sentiment_score":0.05853994997839133,"num_words":6,"start":577.315,"end":614.26},{"sentences":[{"text":"Mhmm.","start":627.935,"end":628.17505,"sentiment":"neutral","sentiment_score":-0.03367801755666733},{"text":"Yep.","start":628.17505,"end":628.67505,"sentiment":"neutral","sentiment_score":0.0010398502927273512},{"text":"Yes.","start":639.56,"end":640.06,"sentiment":"neutral","sentiment_score":0.04865281283855438},{"text":"That's what you're Yeah.","start":682.22504,"end":694.02,"sentiment":"neutral","sentiment_score":-0.06663506792392582},{"text":"Yeah.","start":698.57495,"end":699.07495,"sentiment":"neutral","sentiment_score":-0.14526817202568054}],"sentiment":"neutral","sentiment_score":-0.049474224768346176,"num_words":8,"start":627.935,"end":699.07495},{"sentences":[{"text":"She said does she feel like moving out to Kokoy or We we never do them.","start":701.375,"end":714.20996,"sentiment":"neutral","sentiment_score":-0.06151364091783762},{"text":"Yes.","start":729.085,"end":729.585,"sentiment":"neutral","sentiment_score":-0.14130638539791107},{"text":"Yes.","start":734.94,"end":735.44,"sentiment":"neutral","sentiment_score":0.003826361149549484},{"text":"Okay.","start":736.54004,"end":737.02,"sentiment":"neutral","sentiment_score":0.011824280954897404},{"text":"So timeline for you to quit work?","start":737.02,"end":740.80005,"sentiment":"neutral","sentiment_score":0.0019230406199182784}],"sentiment":"neutral","sentiment_score":-0.042169719755363,"num_words":26,"start":701.375,"end":740.80005},{"sentences":[{"text":"Oh, okay.","start":745.435,"end":745.995,"sentiment":"neutral","sentiment_score":0.0767306387424469},{"text":"You've already set your timeline.","start":745.995,"end":747.19495,"sentiment":"neutral","sentiment_score":0.10948337018489837},{"text":"Cool.","start":747.19495,"end":747.435,"sentiment":"positive","sentiment_score":0.35216647386550903},{"text":"That's fine.","start":747.435,"end":748.095,"sentiment":"neutral","sentiment_score":0.28193146735429764},{"text":"Yep.","start":756.475,"end":756.975,"sentiment":"neutral","sentiment_score":0.0173493605107069}],"sentiment":"neutral","sentiment_score":0.1485688088631088,"num_words":11,"start":745.435,"end":756.975},{"sentences":[{"text":"Less stress.","start":772.505,"end":773.325,"sentiment":"neutral","sentiment_score":-0.12622113525867462},{"text":"Hey.","start":779.145,"end":779.465,"sentiment":"neutral","sentiment_score":-0.029101457446813583},{"text":"We don't judge you right from your nines.","start":779.465,"end":781.245,"sentiment":"neutral","sentiment_score":-0.2645052298903465},{"text":"Otherwise, I'd have to look at my own children.","start":781.465,"end":783.245,"sentiment":"neutral","sentiment_score":-0.26692601872815025},{"text":"Yeah.","start":787.36,"end":787.86,"sentiment":"neutral","sentiment_score":-0.07740230858325958}],"sentiment":"neutral","sentiment_score":-0.23225343067731177,"num_words":21,"start":772.505,"end":787.86},{"sentences":[{"text":"Yeah.","start":800.775,"end":801.275,"sentiment":"neutral","sentiment_score":0.03050163947045803},{"text":"Okay.","start":802.055,"end":802.555,"sentiment":"neutral","sentiment_score":0.0059203822165727615},{"text":"So $400,004.04 30, I think you said, owing on the mortgage.","start":802.85504,"end":808.23505,"sentiment":"neutral","sentiment_score":-0.03572051599621773},{"text":"Sorry.","start":811.82996,"end":812.32996,"sentiment":"neutral","sentiment_score":-0.06264306604862213},{"text":"Right.","start":812.38995,"end":812.70996,"sentiment":"neutral","sentiment_score":-0.02795492112636566}],"sentiment":"neutral","sentiment_score":-0.029806776096423467,"num_words":15,"start":800.775,"end":812.70996},{"sentences":[{"text":"$3.97.","start":812.70996,"end":813.58997,"sentiment":"neutral","sentiment_score":-0.0274317916482687},{"text":"Sorry.","start":813.58997,"end":813.91,"sentiment":"neutral","sentiment_score":-0.045566584914922714},{"text":"Okay.","start":813.91,"end":814.14996,"sentiment":"neutral","sentiment_score":-0.003713159821927547},{"text":"So $3.97, $4.30 in the Superfund.","start":814.14996,"end":816.88995,"sentiment":"neutral","sentiment_score":0.01887683607637882},{"text":"Cool.","start":819.35,"end":819.85,"sentiment":"positive","sentiment_score":0.5644140243530273}],"sentiment":"neutral","sentiment_score":0.06467629648331139,"num_words":10,"start":812.70996,"end":819.85},{"sentences":[{"text":"So, basically, we'd be left with call it 440.","start":820.79,"end":824.25,"sentiment":"neutral","sentiment_score":0.12697504378027386},{"text":"That's right.","start":825.565,"end":825.885,"sentiment":"neutral","sentiment_score":0.06860071234405041},{"text":"Call it $40 left in the Superfund after you pay out the mortgage.","start":825.885,"end":831.18506,"sentiment":"neutral","sentiment_score":0.04937643500474783},{"text":"What would you get in income, sorry, from grounds keeping per fortnight?","start":832.205,"end":838.625,"sentiment":"neutral","sentiment_score":0.004931734428585817},{"text":"One thousand $20 a fortnight.","start":846.18,"end":848.19995,"sentiment":"neutral","sentiment_score":0.008427462726831435}],"sentiment":"neutral","sentiment_score":0.04934606342803596,"num_words":41,"start":820.79,"end":848.19995},{"sentences":[{"text":"Okay.","start":850.42,"end":850.82,"sentiment":"neutral","sentiment_score":0.017469454556703568},{"text":"Is that gross?","start":850.82,"end":851.63995,"sentiment":"neutral","sentiment_score":0.020359848936398823},{"text":"Cool.","start":859.91504,"end":860.41504,"sentiment":"neutral","sentiment_score":0.3071443438529968},{"text":"And then teacher teacher relief.","start":862.235,"end":865.53503,"sentiment":"neutral","sentiment_score":0.08640398606657981},{"text":"I know what suburban or, I guess, metro is what you guys refer to it, metro relief teaching get, but I'm assuming you oh, is it the same?","start":866.155,"end":878.52,"sentiment":"neutral","sentiment_score":0.05097581399604678}],"sentiment":"neutral","sentiment_score":0.05907989651160805,"num_words":38,"start":850.42,"end":878.52},{"sentences":[{"text":"Oh, I would have assumed it was, like, a little bit higher rate.","start":878.52,"end":881.18,"sentiment":"neutral","sentiment_score":-0.04152113772355593},{"text":"Yep.","start":898.85,"end":899.35,"sentiment":"neutral","sentiment_score":0.00952204130589962},{"text":"Okay.","start":902.93,"end":903.43,"sentiment":"neutral","sentiment_score":0.0005988087505102158},{"text":"Is what remote is considered?","start":903.49,"end":904.79,"sentiment":"neutral","sentiment_score":-0.008261355571448803},{"text":"Okay.","start":912.78503,"end":912.945,"sentiment":"neutral","sentiment_score":0.007932113483548164}],"sentiment":"neutral","sentiment_score":-0.02681088593921491,"num_words":21,"start":878.52,"end":912.945},{"sentences":[{"text":"Yeah.","start":912.945,"end":913.34503,"sentiment":"neutral","sentiment_score":0.0034694895148277283},{"text":"I I knew it was something close to $500.","start":913.34503,"end":915.685,"sentiment":"neutral","sentiment_score":-0.011053950008418825},{"text":"Alright.","start":915.825,"end":916.305,"sentiment":"neutral","sentiment_score":0.051910124719142914},{"text":"So okay.","start":916.305,"end":919.49,"sentiment":"neutral","sentiment_score":0.0873260647058487},{"text":"And then if you did that one day a week, so that's sort of maybe another $2,324,000 a year on top of.","start":920.11,"end":928.61,"sentiment":"neutral","sentiment_score":0.007534632861444896}],"sentiment":"neutral","sentiment_score":0.008465946186333895,"num_words":35,"start":912.945,"end":928.61},{"sentences":[{"text":"Okay.","start":938.205,"end":938.705,"sentiment":"neutral","sentiment_score":0.01601424068212509},{"text":"Yes.","start":947.33997,"end":947.83997,"sentiment":"neutral","sentiment_score":0.03958120942115784},{"text":"Yeah.","start":951.98,"end":952.48,"sentiment":"neutral","sentiment_score":0.016719944775104523},{"text":"Okay.","start":964.245,"end":964.745,"sentiment":"neutral","sentiment_score":0.03292306512594223},{"text":"What is your current income on full teacher wage?","start":967.28503,"end":971.51,"sentiment":"neutral","sentiment_score":0.015305020535985628}],"sentiment":"neutral","sentiment_score":0.018691049602169257,"num_words":13,"start":938.205,"end":971.51},{"sentences":[{"text":"Fortnightly.","start":978.93005,"end":979.43005,"sentiment":"neutral","sentiment_score":0.00681220181286335},{"text":"Okay.","start":979.89,"end":980.13,"sentiment":"neutral","sentiment_score":0.06254992634057999},{"text":"So basically, 122 and some per annum.","start":980.13,"end":985.065,"sentiment":"neutral","sentiment_score":0.02785185644669192},{"text":"Yep.","start":995.94,"end":996.44,"sentiment":"neutral","sentiment_score":0.05689403414726257},{"text":"Yeah.","start":998.98,"end":999.3,"sentiment":"neutral","sentiment_score":0.13156592845916748}],"sentiment":"neutral","sentiment_score":0.041162280535156075,"num_words":11,"start":978.93005,"end":999.3},{"sentences":[{"text":"Of course.","start":999.3,"end":999.95996,"sentiment":"neutral","sentiment_score":0.12393850833177567},{"text":"Okay.","start":1000.26,"end":1000.76,"sentiment":"neutral","sentiment_score":0.18308871984481812},{"text":"Yeah.","start":1012.275,"end":1012.775,"sentiment":"neutral","sentiment_score":0.1388530284166336},{"text":"The novated lease, I'm assuming that's through Ed Queen or Education System.","start":1014.355,"end":1019.975,"sentiment":"neutral","sentiment_score":0.10460563190281391},{"text":"So yep.","start":1021.51,"end":1022.57,"sentiment":"neutral","sentiment_score":-0.005540410755202174}],"sentiment":"neutral","sentiment_score":0.10077808479157586,"num_words":18,"start":999.3,"end":1022.57},{"sentences":[{"text":"So upon your termination of contract, I'm assuming that there's going to be a push to request to pay?","start":1023.19,"end":1030.3301,"sentiment":"neutral","sentiment_score":-0.08111757745868281},{"text":"Okay.","start":1040.9651,"end":1041.4651,"sentiment":"neutral","sentiment_score":0.025976557284593586},{"text":"So, essentially speaking, you'd need to pull the 6,000 to pay out the well, irrespective so you've done the research, so you probably know anyway.","start":1041.8451,"end":1050.4,"sentiment":"neutral","sentiment_score":0.05494175240397453},{"text":"But upon, like, termination of the contract and upon turning like, so once you turn 60, you open up the availability to to transition to retirement.","start":1050.86,"end":1061.385,"sentiment":"neutral","sentiment_score":0.0739058952492017},{"text":"So it's where you can basically have the two super funds.","start":1061.545,"end":1063.465,"sentiment":"neutral","sentiment_score":0.16239924119277435}],"sentiment":"neutral","sentiment_score":0.04349062591791153,"num_words":82,"start":1023.19,"end":1063.465},{"sentences":[{"text":"One's a pension account.","start":1063.465,"end":1064.585,"sentiment":"neutral","sentiment_score":0.09462247975170612},{"text":"One's what's called an accumulation account, which is what you hold now.","start":1064.585,"end":1068.285,"sentiment":"neutral","sentiment_score":0.10886912917097409},{"text":"And the whole point of that is basically enables you to, in a tax free environment, draw money from the superannuation fund while still receiving contributions from your employer.","start":1069.705,"end":1082.4,"sentiment":"neutral","sentiment_score":0.275997643840724},{"text":"And that's what the full account basically does.","start":1083.02,"end":1085.28,"sentiment":"neutral","sentiment_score":0.1759492177516222},{"text":"So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation.","start":1085.9,"end":1103.015,"sentiment":"neutral","sentiment_score":0.16366016477919543}],"sentiment":"neutral","sentiment_score":0.18673117572352999,"num_words":105,"start":1063.465,"end":1103.015},{"sentences":[{"text":"That money is still tax free.","start":1103.7799,"end":1104.98,"sentiment":"neutral","sentiment_score":0.3240499297777812},{"text":"It's paid to you from the Superfund straight to your bank account.","start":1104.98,"end":1107.48,"sentiment":"positive","sentiment_score":0.3392481630047162},{"text":"You can pay out RemServ.","start":1107.7,"end":1109.0,"sentiment":"positive","sentiment_score":0.3408313453197479},{"text":"That enables you to do that portion of things.","start":1109.62,"end":1111.96,"sentiment":"positive","sentiment_score":0.4790111614598168},{"text":"Because it it it's a little bit of a timing thing depending on how RemServ's gonna push it.","start":1112.26,"end":1119.525,"sentiment":"neutral","sentiment_score":0.019275559008949332}],"sentiment":"neutral","sentiment_score":0.24754989553242923,"num_words":50,"start":1103.7799,"end":1119.525},{"sentences":[{"text":"Once once you the day that you retire, so technically, the thirty first of this month, on the day that you retire, because you have passed 60, you are now in a position of being able to access, as you know, all of the money in your superannuation fund.","start":1121.025,"end":1141.2999,"sentiment":"neutral","sentiment_score":0.24902344578687025},{"text":"But it's not as if you can retire on the thirty first and access it on the thirty first because the declaration needs to be made basically on the thirty first that I have met all these conditions.","start":1141.6,"end":1153.355,"sentiment":"neutral","sentiment_score":-0.09713083799732358},{"text":"It then takes probably about two weeks.","start":1153.8949,"end":1156.5349,"sentiment":"neutral","sentiment_score":-0.05036273971199989},{"text":"It's not crazy amount of time, but about two weeks for everything to process and for the funds to basically hit your bank account.","start":1156.5349,"end":1164.4199,"sentiment":"neutral","sentiment_score":0.0019162362441420555},{"text":"So depending on how quickly REMServes needs the money will depend on which avenue you probably need to look at doing, whether you look at basically setting up a PTR account or, like, a pension account now with your current provider to basically get that small lump sum to make sure that you have the cash available to pay out RemServ or whether RemServ's happy to wait for a small period of time.","start":1165.9199,"end":1189.635,"sentiment":"neutral","sentiment_score":0.1220617867393853}],"sentiment":"neutral","sentiment_score":0.08960805195554389,"num_words":191,"start":1121.025,"end":1189.635},{"sentences":[{"text":"Depending on what the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract.","start":1191.04,"end":1203.135,"sentiment":"neutral","sentiment_score":-0.09630729790244784},{"text":"But I have also seen RemServ contract.","start":1203.615,"end":1206.255,"sentiment":"neutral","sentiment_score":-0.032090166583657265},{"text":"So it wasn't RemServ.","start":1206.255,"end":1207.095,"sentiment":"neutral","sentiment_score":-0.0728253722190857},{"text":"It was Maxi.","start":1207.095,"end":1208.995,"sentiment":"neutral","sentiment_score":-0.05055585503578186},{"text":"Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay.","start":1210.335,"end":1221.2999,"sentiment":"neutral","sentiment_score":-0.026112870353719463}],"sentiment":"neutral","sentiment_score":-0.060996931991898096,"num_words":65,"start":1191.04,"end":1221.2999},{"sentences":[{"text":"Yeah.","start":1232.095,"end":1232.595,"sentiment":"neutral","sentiment_score":0.10897311568260191},{"text":"Yeah.","start":1242.1901,"end":1242.6901,"sentiment":"neutral","sentiment_score":-0.1488364040851593},{"text":"Now the other avenue that I'm thinking of, which is and could it could be a possibility is so with superannuation, there's two there's there's there's basically, like, two ways that things can be paid when you hit 60.","start":1250.67,"end":1269.1,"sentiment":"neutral","sentiment_score":0.10870269523599209},{"text":"There's either a benefit payment or a pension payment.","start":1269.1,"end":1271.52,"sentiment":"neutral","sentiment_score":-0.005695878631538815},{"text":"A pension payment is considered income.","start":1271.9,"end":1273.74,"sentiment":"neutral","sentiment_score":-0.06321750457088153}],"sentiment":"neutral","sentiment_score":0.0673031051909285,"num_words":56,"start":1232.095,"end":1273.74},{"sentences":[{"text":"A benefit payment's not.","start":1273.74,"end":1275.2001,"sentiment":"neutral","sentiment_score":-0.18059498816728592},{"text":"So what you could actually do is sorry.","start":1275.9,"end":1281.2749,"sentiment":"neutral","sentiment_score":0.041818768717348576},{"text":"So with the superannuation, you could either have the money paid to you under a pension payment, which is income, because it's an income stream, or a benefit payment, which is not considered an income stream because it's a lump sum amount, which is essentially what you're talking about when it comes to you drawing out, like, the nearly $400,000 paying out the mortgage.","start":1281.335,"end":1305.88,"sentiment":"neutral","sentiment_score":0.06812826613895595},{"text":"But instead of doing the $400,000 as a lump sum, what you could actually do is pull out, say, twelve months worth of your your mortgage payments and pay a lump sum or have it sitting in the offset account type of thing.","start":1306.905,"end":1325.1499,"sentiment":"neutral","sentiment_score":0.13163063319963078},{"text":"And then every year, do the same sort of thing.","start":1325.7699,"end":1329.63,"sentiment":"neutral","sentiment_score":0.1310102090239525}],"sentiment":"neutral","sentiment_score":0.0848263453316781,"num_words":129,"start":1273.74,"end":1329.63},{"sentences":[{"text":"Pay out a lump sum.","start":1330.0099,"end":1331.23,"sentiment":"neutral","sentiment_score":0.1304018422961235},{"text":"And I know it sounds weird because, ultimately, like, at the time that you pull the money, you're not gonna be retired.","start":1331.2899,"end":1338.115,"sentiment":"neutral","sentiment_score":-0.04873316989026286},{"text":"But there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60.","start":1338.575,"end":1353.3301,"sentiment":"neutral","sentiment_score":-0.08070051316171885},{"text":"Not that you are still ceased, but that you have ceased.","start":1353.4701,"end":1356.6901,"sentiment":"neutral","sentiment_score":-0.08218534900383516},{"text":"So because you've turned 60 and then you have ceased a gainful employment contract, you could still in the future access those funds.","start":1356.99,"end":1365.715,"sentiment":"neutral","sentiment_score":0.04519307645766631}],"sentiment":"neutral","sentiment_score":-0.02344109715870869,"num_words":81,"start":1330.0099,"end":1365.715},{"sentences":[{"text":"Yes.","start":1372.095,"end":1372.4149,"sentiment":"neutral","sentiment_score":0.0573875866830349},{"text":"Sorry.","start":1372.4149,"end":1372.9149,"sentiment":"neutral","sentiment_score":-0.06490710377693176},{"text":"Yeah.","start":1390.095,"end":1390.335,"sentiment":"neutral","sentiment_score":0.06480229645967484},{"text":"Like, you could turn around let's say on on the I was gonna say the thirty second.","start":1390.335,"end":1395.135,"sentiment":"neutral","sentiment_score":-0.0027622678043211207},{"text":"On the August 1, you could you could basically turn around and say, I wanna pull out $52.","start":1395.135,"end":1403.8999,"sentiment":"neutral","sentiment_score":0.04773538135406044}],"sentiment":"neutral","sentiment_score":0.02288318660698439,"num_words":38,"start":1372.095,"end":1403.8999},{"sentences":[{"text":"That's, you know, that's enough to cover, you know, my mortgage repayments and give me a little bit of a buffer, whatever the case may be.","start":1404.2,"end":1411.0,"sentiment":"neutral","sentiment_score":0.07985007748580895},{"text":"I popped the figure because I don't think you actually told me my your mortgage repayments.","start":1411.0,"end":1415.32,"sentiment":"neutral","sentiment_score":-0.022696533240377903},{"text":"But that that would be enough to cover my mortgage repayments.","start":1415.32,"end":1418.295,"sentiment":"neutral","sentiment_score":0.06400037421421571},{"text":"Take that money, put it into your offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve months.","start":1418.295,"end":1430.94,"sentiment":"neutral","sentiment_score":0.013250511079545944},{"text":"There you go.","start":1437.32,"end":1438.0599,"sentiment":"neutral","sentiment_score":0.054484630624453224}],"sentiment":"neutral","sentiment_score":0.0343813946492028,"num_words":87,"start":1404.2,"end":1438.0599},{"sentences":[{"text":"$11.74 $11.70 a fortnight.","start":1440.28,"end":1444.4249,"sentiment":"neutral","sentiment_score":0.04681812413036823},{"text":"Yep.","start":1446.725,"end":1446.965,"sentiment":"neutral","sentiment_score":0.08775313198566437},{"text":"Yeah.","start":1446.965,"end":1447.2849,"sentiment":"neutral","sentiment_score":0.09707818925380708},{"text":"$30,004.20.","start":1447.2849,"end":1448.6649,"sentiment":"neutral","sentiment_score":0.09754021465778352},{"text":"Yeah.","start":1450.405,"end":1450.8049,"sentiment":"neutral","sentiment_score":0.07605279982089996}],"sentiment":"neutral","sentiment_score":0.06821210402995348,"num_words":8,"start":1440.28,"end":1450.8049},{"sentences":[{"text":"So, you know, pull out, say, 32,000, pop that into the, like, offset, and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how you have your current arrangement set.","start":1450.8049,"end":1474.4049,"sentiment":"neutral","sentiment_score":0.040773012517195825},{"text":"And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown in twelve months' time.","start":1475.825,"end":1490.16,"sentiment":"neutral","sentiment_score":0.08039909199272331},{"text":"If you're gonna say more regularly than that, I e quarterly or fortnightly, no.","start":1500.995,"end":1505.155,"sentiment":"neutral","sentiment_score":-0.00976349153955068},{"text":"That's then considered income.","start":1505.155,"end":1506.615,"sentiment":"neutral","sentiment_score":-0.021938947029411793},{"text":"Yeah.","start":1513.0499,"end":1513.5499,"sentiment":"neutral","sentiment_score":0.08537647128105164}],"sentiment":"neutral","sentiment_score":0.04615515418858691,"num_words":110,"start":1450.8049,"end":1513.5499},{"sentences":[{"text":"Absolutely.","start":1513.61,"end":1514.11,"sentiment":"neutral","sentiment_score":0.1312820315361023},{"text":"Yeah.","start":1514.1699,"end":1514.4099,"sentiment":"neutral","sentiment_score":0.09649119526147842},{"text":"Yeah.","start":1514.4099,"end":1514.57,"sentiment":"neutral","sentiment_score":0.10911521315574646},{"text":"Yeah.","start":1514.57,"end":1514.8099,"sentiment":"neutral","sentiment_score":0.10948927700519562},{"text":"You could do yeah.","start":1514.8099,"end":1515.69,"sentiment":"neutral","sentiment_score":0.07132967561483383}],"sentiment":"neutral","sentiment_score":0.09146205242723227,"num_words":8,"start":1513.61,"end":1515.69},{"sentences":[{"text":"Two two years, eighteen months.","start":1515.69,"end":1517.39,"sentiment":"neutral","sentiment_score":0.04896577000617981},{"text":"Yeah.","start":1518.01,"end":1518.33,"sentiment":"neutral","sentiment_score":0.1547650694847107},{"text":"Absolutely.","start":1518.33,"end":1518.83,"sentiment":"neutral","sentiment_score":0.2192819118499756},{"text":"Do the same thing.","start":1519.0499,"end":1519.9299,"sentiment":"neutral","sentiment_score":0.1972595378756523},{"text":"That would cover you to child support.","start":1519.9299,"end":1522.11,"sentiment":"neutral","sentiment_score":0.1566916470016752}],"sentiment":"neutral","sentiment_score":0.13915308399332893,"num_words":18,"start":1515.69,"end":1522.11},{"sentences":[{"text":"It means you're not pulling.","start":1522.25,"end":1523.63,"sentiment":"neutral","sentiment_score":0.12238399982452393},{"text":"And, again, this is without me actually calculating anything and looking at anything because, theoretically, I'm gonna make an assumption and say that your mortgage is sitting on something like a 6% interest rate.","start":1524.195,"end":1534.455,"sentiment":"neutral","sentiment_score":0.02714637398500653},{"text":"Theoretically, if you if your superannuation fund is really conservatively invested, your super fund could be making less than 6%.","start":1535.7949,"end":1543.87,"sentiment":"neutral","sentiment_score":0.08836491573601961},{"text":"I don't know without having a look at what investments you're currently invested in and what the fees are and stuff like that, which I can definitely do.","start":1545.13,"end":1551.23,"sentiment":"neutral","sentiment_score":-0.0013312935563070433},{"text":"But this is this is under the guys, and what Nathan was saying is basically under the stipulation that your super fund is actually working well for you and is not, I guess, hamstringing you.","start":1553.115,"end":1564.095,"sentiment":"neutral","sentiment_score":0.10511537556137357}],"sentiment":"neutral","sentiment_score":0.056917679954136984,"num_words":122,"start":1522.25,"end":1564.095},{"sentences":[{"text":"Probably the best analogy I have today.","start":1564.875,"end":1567.775,"sentiment":"neutral","sentiment_score":0.056243544444441795},{"text":"It's working.","start":1576.4701,"end":1577.29,"sentiment":"positive","sentiment_score":0.6374587118625641},{"text":"Good.","start":1577.91,"end":1578.41,"sentiment":"positive","sentiment_score":0.5342131853103638},{"text":"So yeah.","start":1578.8251,"end":1580.2301,"sentiment":"neutral","sentiment_score":0.2899222671985626},{"text":"So if if it if it's working really well, then, yeah, just just a I would basically so the the the day after or even depending on how you're feeling retirement day, contact your current provider, whomever that may be, and you would make a declaration to them that, hey.","start":1580.2301,"end":1599.34,"sentiment":"neutral","sentiment_score":0.10925570085644722}],"sentiment":"neutral","sentiment_score":0.1329913709252592,"num_words":62,"start":1564.875,"end":1599.34},{"sentences":[{"text":"I am 60.","start":1599.34,"end":1600.48,"sentiment":"neutral","sentiment_score":0.06122373417019844},{"text":"I am I am no longer gainfully employed, and I am retired, and I would like to draw out, say, just call it $60.","start":1600.94,"end":1614.535,"sentiment":"neutral","sentiment_score":0.02088646435489257},{"text":"That covers two years.","start":1614.535,"end":1615.675,"sentiment":"neutral","sentiment_score":0.02941015036776662},{"text":"60 grand.","start":1616.295,"end":1617.115,"sentiment":"neutral","sentiment_score":0.05091122165322304},{"text":"Providing it doesn't come from a pension account and it comes from your accumulation account and it's a benefit payment as a lump sum.","start":1624.7101,"end":1631.2101,"sentiment":"neutral","sentiment_score":0.01701224219868891}],"sentiment":"neutral","sentiment_score":0.023029880782001112,"num_words":57,"start":1599.34,"end":1631.2101},{"sentences":[{"text":"Correct.","start":1631.43,"end":1631.93,"sentiment":"neutral","sentiment_score":0.047185055911540985},{"text":"If it's if it's coming out of, here, if it's coming out of a pension account and it's paid as a pension payment, then it is an income.","start":1632.87,"end":1641.815,"sentiment":"neutral","sentiment_score":0.009534963523037732},{"text":"No.","start":1655.97,"end":1656.21,"sentiment":"neutral","sentiment_score":-0.054071858525276184},{"text":"You don't yeah.","start":1656.21,"end":1656.69,"sentiment":"neutral","sentiment_score":-0.052168293545643486},{"text":"You don't have to take all of it at one go.","start":1656.69,"end":1659.27,"sentiment":"neutral","sentiment_score":0.03305279768326066}],"sentiment":"neutral","sentiment_score":0.010617456134324047,"num_words":44,"start":1631.43,"end":1659.27},{"sentences":[{"text":"There's not while you're unemployed.","start":1671.6649,"end":1677.59,"sentiment":"neutral","sentiment_score":-0.12892853878438473},{"text":"For the period of time for for if for which you are unemployed, there is no minimum maximum.","start":1678.21,"end":1682.95,"sentiment":"neutral","sentiment_score":-0.13427265940441024},{"text":"Once you go back to employment, it's gonna restrict you a bit down back down to that 10%.","start":1683.01,"end":1687.75,"sentiment":"neutral","sentiment_score":-0.17678626047240364},{"text":"Yep.","start":1707.56,"end":1708.06,"sentiment":"neutral","sentiment_score":0.011494273319840431},{"text":"A little bit.","start":1710.2001,"end":1710.76,"sentiment":"neutral","sentiment_score":-0.09916403392950694}],"sentiment":"neutral","sentiment_score":-0.14510446844829453,"num_words":45,"start":1671.6649,"end":1710.76},{"sentences":[{"text":"Yeah.","start":1710.76,"end":1711.26,"sentiment":"neutral","sentiment_score":-0.004662714898586273},{"text":"If you could if you could take a week off or so, that'd be really good.","start":1712.6151,"end":1716.0751,"sentiment":"neutral","sentiment_score":-0.006373042589984834},{"text":"K.","start":1717.415,"end":1717.915,"sentiment":"neutral","sentiment_score":0.00464208796620369},{"text":"And that's where you make the declaration that I am not employed.","start":1719.5751,"end":1725.275,"sentiment":"neutral","sentiment_score":-0.09070763116081555},{"text":"I've retired, and I would like to seek to get paid this money.","start":1725.655,"end":1731.99,"sentiment":"neutral","sentiment_score":-0.07336716468517597}],"sentiment":"neutral","sentiment_score":-0.049866372632772424,"num_words":43,"start":1710.76,"end":1731.99},{"sentences":[{"text":"Yeah.","start":1738.85,"end":1739.33,"sentiment":"neutral","sentiment_score":-0.03509848564863205},{"text":"Just retired.","start":1739.33,"end":1740.3099,"sentiment":"neutral","sentiment_score":-0.11332675069570541},{"text":"Just get tired.","start":1740.755,"end":1741.395,"sentiment":"neutral","sentiment_score":-0.23315206666787466},{"text":"And then if you choose to get offered the random job and it's it works out well for you, then magical.","start":1741.395,"end":1748.375,"sentiment":"neutral","sentiment_score":0.1311233260092281},{"text":"No.","start":1783.16,"end":1783.48,"sentiment":"negative","sentiment_score":-0.33991825580596924}],"sentiment":"neutral","sentiment_score":0.05187369297657694,"num_words":28,"start":1738.85,"end":1783.48},{"sentences":[{"text":"Right.","start":1783.48,"end":1783.98,"sentiment":"neutral","sentiment_score":-0.1768304705619812},{"text":"Yeah.","start":1784.2,"end":1784.52,"sentiment":"neutral","sentiment_score":-0.10226815938949584},{"text":"Just just submitting the paperwork.","start":1784.52,"end":1786.14,"sentiment":"neutral","sentiment_score":-0.12215741723775864},{"text":"And you do not wanna set up a pension account.","start":1786.2,"end":1788.4401,"sentiment":"neutral","sentiment_score":-0.33300029635429385},{"text":"I'm gonna be really clear.","start":1788.4401,"end":1789.9,"sentiment":"neutral","sentiment_score":-0.1373135358095169}],"sentiment":"neutral","sentiment_score":-0.2230207435786724,"num_words":22,"start":1783.48,"end":1789.9},{"sentences":[{"text":"Do not set up a pension account.","start":1790.12,"end":1792.3,"sentiment":"neutral","sentiment_score":-0.2893036731651851},{"text":"Do it all from your accumulation account.","start":1792.6,"end":1794.54,"sentiment":"neutral","sentiment_score":-0.2969475601400648},{"text":"Yep.","start":1797.555,"end":1798.055,"sentiment":"neutral","sentiment_score":0.13624107837677002},{"text":"Yeah.","start":1813.25,"end":1813.6499,"sentiment":"neutral","sentiment_score":0.05810316279530525},{"text":"Yeah.","start":1813.6499,"end":1813.97,"sentiment":"neutral","sentiment_score":0.05371735990047455}],"sentiment":"neutral","sentiment_score":-0.22680570776848233,"num_words":17,"start":1790.12,"end":1813.97},{"sentences":[{"text":"Of course.","start":1813.97,"end":1814.6299,"sentiment":"neutral","sentiment_score":0.02092178910970688},{"text":"Generally speaking, offset accounts don't make, I mean, they they can, but they're not making lots of interest.","start":1815.73,"end":1823.365,"sentiment":"neutral","sentiment_score":-0.18732833406991428},{"text":"Maybe a couple bucks.","start":1824.3049,"end":1825.5249,"sentiment":"neutral","sentiment_score":0.18293016590178013},{"text":"Absolutely.","start":1832.64,"end":1833.14,"sentiment":"neutral","sentiment_score":0.16887497901916504},{"text":"May I ask how old is Lucy?","start":1833.44,"end":1835.14,"sentiment":"neutral","sentiment_score":0.04438357374497822}],"sentiment":"neutral","sentiment_score":-0.0662120555061847,"num_words":32,"start":1813.97,"end":1835.14},{"sentences":[{"text":"Cool.","start":1839.2,"end":1839.7,"sentiment":"neutral","sentiment_score":0.30235719680786133},{"text":"Yep.","start":1849.455,"end":1849.955,"sentiment":"neutral","sentiment_score":0.11503106355667114},{"text":"So the same thing yeah.","start":1851.295,"end":1853.775,"sentiment":"neutral","sentiment_score":0.1156076282262802},{"text":"So you've you've already been doing this.","start":1853.775,"end":1855.955,"sentiment":"neutral","sentiment_score":0.12908008907522475},{"text":"One of the one of the biggest things you should probably make sure that you're looking at, because you're still working with a TTR account, is have a look at where the money's sitting between your accumulation and your pension funds.","start":1856.98,"end":1868.74,"sentiment":"neutral","sentiment_score":0.08492281926205246}],"sentiment":"neutral","sentiment_score":0.09783313845030286,"num_words":55,"start":1839.2,"end":1868.74},{"sentences":[{"text":"Because your pension funds obviously been distributing income, and the accumulation account being receiving contributions.","start":1868.74,"end":1876.1951,"sentiment":"neutral","sentiment_score":0.08421801328659058},{"text":"It's the new financial year.","start":1877.055,"end":1878.655,"sentiment":"neutral","sentiment_score":0.13366470187902452},{"text":"So what happened at the new financial year is as at, you know, June 30, July 1, your provider, so your super super provider, reviewed how much was in your pension account, and they said, well, based on your balance as at end of financial year, your new pension payments, based on how it was set up, are now going to be blah.","start":1878.655,"end":1904.695,"sentiment":"neutral","sentiment_score":-0.10881363473359555},{"text":"And so long as they fall between the 4% to 10% mark, they may not have changed.","start":1905.5549,"end":1910.2949,"sentiment":"negative","sentiment_score":-0.3378516970311894},{"text":"Yeah.","start":1912.595,"end":1912.995,"sentiment":"neutral","sentiment_score":-0.05298867076635361}],"sentiment":"neutral","sentiment_score":-0.10613992871108031,"num_words":101,"start":1868.74,"end":1912.995},{"sentences":[{"text":"But if you had it set to get the maximum payments, the payments may have changed.","start":1912.995,"end":1918.2101,"sentiment":"neutral","sentiment_score":-0.13699981034733355},{"text":"Yeah.","start":1918.2101,"end":1918.4501,"sentiment":"neutral","sentiment_score":-0.01927471160888672},{"text":"So if you just had a a dollar figure, it's fine.","start":1918.4501,"end":1921.03,"sentiment":"neutral","sentiment_score":0.11039399829777805},{"text":"But the other thing that you could do is even though and I know it sounds silly.","start":1921.25,"end":1926.31,"sentiment":"neutral","sentiment_score":-0.02902259721475489},{"text":"Even though you've you transitioned to retirement to drop your hours to enjoy life more, you could actually increase how much you're you're paying into your super.","start":1926.37,"end":1936.6849,"sentiment":"neutral","sentiment_score":0.1991507226118335}],"sentiment":"neutral","sentiment_score":0.0539826064163612,"num_words":72,"start":1912.995,"end":1936.6849},{"sentences":[{"text":"So you could salary sacrifice more into your super and then take more because what you're ending up doing is, I guess, screwing over the government tax wise, which is my favorite thing to do in the world because your marginal tax rate and, again, this is all dependent on what your income is to to how it would work.","start":1936.6849,"end":1959.045,"sentiment":"neutral","sentiment_score":-0.14122413943211237},{"text":"But depending on what your income is, you could basically and because, like, marginal tax is bracketed.","start":1960.005,"end":1968.185,"sentiment":"neutral","sentiment_score":-0.01275877544985098},{"text":"So the first 18200, you pay no tax on.","start":1968.7251,"end":1971.865,"sentiment":"neutral","sentiment_score":0.028482087784343295},{"text":"Between 18045, we pay up to 16%, so on and so on.","start":1972.39,"end":1976.65,"sentiment":"neutral","sentiment_score":0.08972251477340858},{"text":"So anything basically up to about that $45,000, depending on what your income is, if you salary sacrifice that into your super, so anything in excess of 45,000, pop that into your super, and then draw it out tax free, you're gonna end up way better tax wise.","start":1977.99,"end":1994.565,"sentiment":"neutral","sentiment_score":0.06692469403302918}],"sentiment":"neutral","sentiment_score":-0.02839009087430696,"num_words":146,"start":1936.6849,"end":1994.565},{"sentences":[{"text":"As a general rule of thumb and without actually giving you advice, I wanna be really clear on that.","start":1995.985,"end":2000.225,"sentiment":"neutral","sentiment_score":0.022541609249616925},{"text":"Just just general rule of thumb, if you want me to actually look into this, I definitely can, but I'd need to have a little bit more of an extensive conversation and start getting information from you guys.","start":2000.225,"end":2009.17,"sentiment":"neutral","sentiment_score":0.04576654800851094},{"text":"But just to be general and give you information and but the other thing to do is the if your if your pension's currently supporting you and you're comfortable with it, then, I mean, leave it as it is.","start":2009.23,"end":2026.89,"sentiment":"neutral","sentiment_score":0.16611743775697854},{"text":"If you wanna take more out, you will need to move your pension account back to accumulation and then basically pick up the excess money in your accumulation account and move it back over to pension.","start":2026.97,"end":2038.91,"sentiment":"neutral","sentiment_score":0.061807731373442545},{"text":"I know it sounds really weird, but, basically, a pension account cannot have a contribution made to it.","start":2039.535,"end":2045.535,"sentiment":"neutral","sentiment_score":-0.22161183754603067}],"sentiment":"neutral","sentiment_score":0.04588043150802453,"num_words":150,"start":1995.985,"end":2045.535},{"sentences":[{"text":"And if your accumulation account over, you know, the since it's been set up has grown and is now obviously, it it will be.","start":2045.535,"end":2052.095,"sentiment":"neutral","sentiment_score":-0.16789282641063133},{"text":"It'll be larger than what it was when you pulled money out of it and put it into pension phase.","start":2052.095,"end":2057.49,"sentiment":"neutral","sentiment_score":-0.23326072245836257},{"text":"Then that money can't just be shifted over to pension.","start":2058.51,"end":2061.0698,"sentiment":"negative","sentiment_score":-0.37324840426445005},{"text":"You actually have to move the pension over and pick it up and then move it into a new pension account.","start":2061.0698,"end":2066.3499,"sentiment":"neutral","sentiment_score":-0.2966580717336564},{"text":"It's an absolute pain, but it's the way it's all legislatively set up.","start":2066.3499,"end":2069.97,"sentiment":"negative","sentiment_score":-0.4836838016143212}],"sentiment":"neutral","sentiment_score":-0.28346403696658934,"num_words":88,"start":2045.535,"end":2069.97},{"sentences":[{"text":"Yeah.","start":2076.165,"end":2076.645,"sentiment":"neutral","sentiment_score":-0.02680495008826256},{"text":"That's that's the that's the complexities of things and and, you know, how I could help.","start":2076.645,"end":2080.805,"sentiment":"neutral","sentiment_score":0.0018872037762776},{"text":"But, you know, it's dependent on whether you you want me to look a little bit deeper into things.","start":2080.805,"end":2085.95,"sentiment":"neutral","sentiment_score":-0.06978469910590272},{"text":"So, realistically, as an adviser, what apart from giving you guys information, what I would do and what I can do is conversations like this is where we start off, And then I go through and I would do a little bit more delving and digging into your financial position.","start":2085.95,"end":2102.805,"sentiment":"neutral","sentiment_score":0.06810667462646962},{"text":"So, you know, like, last year's tax return, having a look at your payslips, getting a little bit more information about, like, the interest rate on your loan, how it's currently structured, so on and so forth.","start":2102.805,"end":2115.0598,"sentiment":"neutral","sentiment_score":0.08222318571564313}],"sentiment":"neutral","sentiment_score":0.04166725715546588,"num_words":123,"start":2076.165,"end":2115.0598},{"sentences":[{"text":"And then I run scenarios and algorithms, and I look at if we were to do, then what is the outcome.","start":2115.0598,"end":2121.8599,"sentiment":"neutral","sentiment_score":0.09022328115644909},{"text":"And I run all the situations that I can possibly think of, And sometimes that's two or three, and sometimes that's 53 different situations.","start":2121.8599,"end":2129.585,"sentiment":"neutral","sentiment_score":0.0694246874190867},{"text":"And then I turn around and go cool.","start":2129.6448,"end":2131.4048,"sentiment":"neutral","sentiment_score":0.06517732562497258},{"text":"Out of all the scenarios I've run, this is the one that's gonna get you the best outcome to meet the goals that you stipulated as a couple or an individual or whatever the case may be.","start":2131.4048,"end":2141.8398,"sentiment":"neutral","sentiment_score":0.18979993865296646},{"text":"And sometimes, like I said, it's just about paying less tax, and that's not something you might have come to me with, but sometimes that's what I find as an avenue, and we do.","start":2143.26,"end":2154.16,"sentiment":"neutral","sentiment_score":0.2802673341596828}],"sentiment":"neutral","sentiment_score":0.16640312176558278,"num_words":124,"start":2115.0598,"end":2154.16},{"sentences":[{"text":"So first and foremost, this conversation and any initial conversations are completely complimentary.","start":2167.32,"end":2174.4602,"sentiment":"positive","sentiment_score":0.5597227513790131},{"text":"Everything that I do from here up until what's called statement of advice stage is completely complimentary.","start":2175.7202,"end":2182.435,"sentiment":"positive","sentiment_score":0.55000138984007},{"text":"So all the research, the looking into, the digging, the comparisons, all free.","start":2182.435,"end":2186.855,"sentiment":"positive","sentiment_score":0.43320467380376965},{"text":"I draw up a statement of advice, which is basically a amalgamation of all the research and formalization of my advice.","start":2187.075,"end":2196.295,"sentiment":"neutral","sentiment_score":0.24544487680707658},{"text":"That is all free.","start":2197.22,"end":2198.2,"sentiment":"positive","sentiment_score":0.39197490364313126}],"sentiment":"positive","sentiment_score":0.4261812085614485,"num_words":68,"start":2167.32,"end":2198.2},{"sentences":[{"text":"We would get together and have a conversation to present the advice, and then the fee would be paid upon you guys accepting and my implementation of it.","start":2198.26,"end":2209.0,"sentiment":"positive","sentiment_score":0.3887392410210201},{"text":"So there's two parts to my fees.","start":2209.145,"end":2210.765,"sentiment":"neutral","sentiment_score":0.19129631349018641},{"text":"First is the initial fee, which is for us to actually do the initial setup of everything.","start":2211.065,"end":2215.9648,"sentiment":"neutral","sentiment_score":0.1862726316732519},{"text":"For a couple, that is $6,600 capped.","start":2216.665,"end":2220.2048,"sentiment":"neutral","sentiment_score":0.15478905396802084},{"text":"That's it.","start":2220.585,"end":2221.305,"sentiment":"neutral","sentiment_score":0.1556020826101303}],"sentiment":"neutral","sentiment_score":0.2751661512206812,"num_words":61,"start":2198.26,"end":2221.305},{"sentences":[{"text":"That is for everything all up.","start":2221.305,"end":2223.885,"sentiment":"neutral","sentiment_score":0.2215071345369021},{"text":"Ongoing, we have a tiered fee structure.","start":2225.19,"end":2230.89,"sentiment":"neutral","sentiment_score":0.21605446934700012},{"text":"It's all based on the funds under management and what we're ultimately doing for you.","start":2231.11,"end":2236.395,"sentiment":"neutral","sentiment_score":0.28978345890839896},{"text":"All of the fees would be detailed in the statement of advice clearly.","start":2236.475,"end":2240.0151,"sentiment":"neutral","sentiment_score":0.20472884063537305},{"text":"They're written about four different places throughout the document, so we don't hide it.","start":2240.395,"end":2244.175,"sentiment":"neutral","sentiment_score":0.13606352252619608}],"sentiment":"neutral","sentiment_score":0.2137189130891453,"num_words":55,"start":2221.305,"end":2244.175},{"sentences":[{"text":"And they're all listed there.","start":2245.595,"end":2246.715,"sentiment":"neutral","sentiment_score":0.15569246113300322},{"text":"Our fees are also broken down on the financial services guide, which I believe was attached to the invite card invite?","start":2246.715,"end":2255.73,"sentiment":"neutral","sentiment_score":0.12658247422604335},{"text":"I might be mistaken.","start":2256.27,"end":2257.25,"sentiment":"neutral","sentiment_score":-0.11125664412975311},{"text":"No.","start":2257.95,"end":2258.19,"sentiment":"neutral","sentiment_score":-0.2282889783382416},{"text":"It's not.","start":2258.19,"end":2258.99,"sentiment":"neutral","sentiment_score":-0.19259171187877655}],"sentiment":"neutral","sentiment_score":0.07206652381203392,"num_words":33,"start":2245.595,"end":2258.99},{"sentences":[{"text":"I can email it to you, though.","start":2258.99,"end":2260.45,"sentiment":"neutral","sentiment_score":-0.03621147572994232},{"text":"Sorry.","start":2261.23,"end":2261.55,"sentiment":"neutral","sentiment_score":-0.03691966086626053},{"text":"I I generally do attach it, but I must've had a moment.","start":2261.55,"end":2266.13,"sentiment":"neutral","sentiment_score":0.00950115370505955},{"text":"I yeah.","start":2267.405,"end":2268.045,"sentiment":"neutral","sentiment_score":0.09695678576827049},{"text":"I'll I'll email that to you so that way it sort of breaks it down.","start":2268.045,"end":2271.085,"sentiment":"neutral","sentiment_score":0.17428558568159738}],"sentiment":"neutral","sentiment_score":0.07113003270933405,"num_words":37,"start":2258.99,"end":2271.085},{"sentences":[{"text":"It's a little bit easier to see than for me to explain.","start":2271.085,"end":2273.265,"sentiment":"neutral","sentiment_score":0.17247744339207807},{"text":"So yeah.","start":2275.645,"end":2276.205,"sentiment":"positive","sentiment_score":0.39029939472675323},{"text":"So I I'm more than happy to go through and and do that and and break everything down.","start":2276.205,"end":2281.76,"sentiment":"positive","sentiment_score":0.7364120218488905},{"text":"If you do want me to dig into things, I do need to, I guess, ask a few other questions.","start":2281.9001,"end":2286.08,"sentiment":"neutral","sentiment_score":0.3219186745584011},{"text":"And it's like general questions like your date of birth, your actual your address, you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth.","start":2287.1802,"end":2304.195,"sentiment":"neutral","sentiment_score":0.2119445956001679}],"sentiment":"neutral","sentiment_score":0.32717458583414555,"num_words":100,"start":2271.085,"end":2304.195},{"sentences":[{"text":"So that way I can actually dig into the numbers.","start":2304.195,"end":2306.695,"sentiment":"neutral","sentiment_score":0.3051815152168274},{"text":"And then from there, deliver the advice.","start":2308.3499,"end":2313.17,"sentiment":"neutral","sentiment_score":0.27997221265520367},{"text":"So, theoretically speaking, if you're wanting it turned around by the end of the month, I can definitely do that, But that would be very much dependent on you guys getting me the documents.","start":2313.63,"end":2324.005,"sentiment":"neutral","sentiment_score":0.11855884685235865},{"text":"Providing I've had all the documents from you within the next, say, probably ten days, so no later than, like, Monday, Tuesday, the twentieth, twenty first, I would be able to turn the advice around by the beginning of the week of the twenty seventh, twenty eighth.","start":2325.025,"end":2342.8098,"sentiment":"positive","sentiment_score":0.35539890476997865},{"text":"So that way, you had all the information, and we had the time to be able to execute by the thirty first ish.","start":2342.95,"end":2351.635,"sentiment":"positive","sentiment_score":0.3748775487360747}],"sentiment":"neutral","sentiment_score":0.28403763288308764,"num_words":121,"start":2304.195,"end":2351.635},{"sentences":[{"text":"Absolutely.","start":2361.855,"end":2362.355,"sentiment":"neutral","sentiment_score":0.017771456390619278},{"text":"No.","start":2363.12,"end":2363.28,"sentiment":"neutral","sentiment_score":-0.19929273426532745},{"text":"That's completely okay.","start":2363.28,"end":2365.1401,"sentiment":"neutral","sentiment_score":-0.0658031478524208},{"text":"Some like, look.","start":2365.52,"end":2366.24,"sentiment":"neutral","sentiment_score":0.0010780406494935353},{"text":"Sometimes I meet with clients and it is just information.","start":2366.24,"end":2370.34,"sentiment":"neutral","sentiment_score":0.03735211100429296}],"sentiment":"neutral","sentiment_score":-0.0001208605244755745,"num_words":18,"start":2361.855,"end":2370.34},{"sentences":[{"text":"I swear about 50% of my my job is education because, unfortunately, they don't teach it in schools.","start":2370.4001,"end":2378.405,"sentiment":"neutral","sentiment_score":-0.12856556557946736},{"text":"So no.","start":2380.3052,"end":2382.3052,"sentiment":"neutral","sentiment_score":-0.24444325268268585},{"text":"They don't.","start":2382.3052,"end":2382.965,"sentiment":"negative","sentiment_score":-0.3368779569864273},{"text":"So yeah.","start":2384.945,"end":2385.5051,"sentiment":"neutral","sentiment_score":-0.09919792041182518},{"text":"So so, you know, a lot a lot of what I do is just is education based and, you know, I've had clients I've been in the industry for a little over ten years, and I've had clients for just as long.","start":2385.5051,"end":2397.1802,"sentiment":"neutral","sentiment_score":0.1262487526096049}],"sentiment":"neutral","sentiment_score":0.024654987409259334,"num_words":66,"start":2370.4001,"end":2397.1802},{"sentences":[{"text":"And still, I teach them new things every year.","start":2397.8801,"end":2401.1602,"sentiment":"neutral","sentiment_score":0.24787149764597416},{"text":"So more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at.","start":2401.1602,"end":2419.19,"sentiment":"positive","sentiment_score":0.7363323161476537},{"text":"And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those.","start":2421.01,"end":2427.25,"sentiment":"positive","sentiment_score":0.4073326696049083},{"text":"And, look, it doesn't have to be prior to the end of this month.","start":2427.25,"end":2430.8699,"sentiment":"neutral","sentiment_score":0.2444326047386442},{"text":"You know, if you guys wanna go and execute what we've kinda talked about, whether that is the full lump sum of 400,000, whether that's, you know, two years worth of the mortgage repayments or whatever the case may be that you guys decide, that's that's that's completely okay.","start":2431.41,"end":2445.985,"sentiment":"neutral","sentiment_score":0.2997725250161424}],"sentiment":"positive","sentiment_score":0.4720133405474835,"num_words":151,"start":2397.8801,"end":2445.985},{"sentences":[{"text":"And, you know, you can always loop back around, and we can have a chat at a later date when things are maybe a little less little less stressful and when you've maybe had a chance to enjoy what, you know, retirement looks like.","start":2445.985,"end":2459.7,"sentiment":"positive","sentiment_score":0.3477322774177248},{"text":"Yeah.","start":2459.7,"end":2460.02,"sentiment":"neutral","sentiment_score":0.07542881369590759},{"text":"Semi retirement.","start":2460.02,"end":2460.8398,"sentiment":"neutral","sentiment_score":0.08031313493847847},{"text":"Yep.","start":2469.355,"end":2469.855,"sentiment":"neutral","sentiment_score":0.09782084822654724},{"text":"If you run into any other questions or have any any concerns, you have my email address.","start":2482.73,"end":2488.81,"sentiment":"neutral","sentiment_score":0.06138888746500015}],"sentiment":"neutral","sentiment_score":0.2565801111551432,"num_words":65,"start":2445.985,"end":2488.81},{"sentences":[{"text":"Feel free to flick an email through and say, hey.","start":2488.81,"end":2492.895,"sentiment":"neutral","sentiment_score":0.1032013513147831},{"text":"I had a few questions.","start":2492.895,"end":2494.0352,"sentiment":"neutral","sentiment_score":0.0992959976196289},{"text":"It's these ones.","start":2494.175,"end":2495.3152,"sentiment":"neutral","sentiment_score":0.09369288136561711},{"text":"I'm free at this time, and I can add hot call you.","start":2495.935,"end":2499.155,"sentiment":"neutral","sentiment_score":0.17032352834939957},{"text":"Or if they're easy enough, it's just sometimes questions that are a little bit more complex in nature are a little bit easier to explain over the phone than in an email.","start":2499.375,"end":2507.37,"sentiment":"neutral","sentiment_score":0.14720076601952314}],"sentiment":"neutral","sentiment_score":0.1381270806154897,"num_words":62,"start":2488.81,"end":2507.37},{"sentences":[{"text":"I always try to email the answer, but sometimes it's easier to follow-up with with a call as well.","start":2507.51,"end":2512.07,"sentiment":"neutral","sentiment_score":0.17223018799957476},{"text":"So if you flick an email through and say, these are the questions.","start":2512.07,"end":2514.71,"sentiment":"neutral","sentiment_score":0.10872654903393525},{"text":"This is what I wanna know.","start":2514.71,"end":2516.09,"sentiment":"neutral","sentiment_score":0.13464519257346788},{"text":"Call me around this time, I will do so.","start":2516.31,"end":2518.895,"sentiment":"neutral","sentiment_score":0.12097693648603228},{"text":"I obviously, you're school based, so you're only available after school time.","start":2518.895,"end":2523.715,"sentiment":"neutral","sentiment_score":0.058354029742379986}],"sentiment":"neutral","sentiment_score":0.12343611271452096,"num_words":59,"start":2507.51,"end":2523.715},{"sentences":[{"text":"I'm pretty flexible.","start":2524.175,"end":2525.955,"sentiment":"neutral","sentiment_score":0.23614666859308878},{"text":"I generally work until much to my husband's and children's discussed till, like, 07:00 at night or later.","start":2526.415,"end":2532.675,"sentiment":"neutral","sentiment_score":0.18033015686604711},{"text":"So I'm more than happy to make that call in the afternoon or the evening.","start":2533.31,"end":2538.85,"sentiment":"positive","sentiment_score":0.4576453983783722},{"text":"I can have dinner with you and have a chat.","start":2538.99,"end":2542.21,"sentiment":"neutral","sentiment_score":0.31934335827827454},{"text":"Well, if there's ever anything else, let me know.","start":2557.02,"end":2559.68,"sentiment":"neutral","sentiment_score":0.08539695996377203}],"sentiment":"neutral","sentiment_score":0.2687467277727344,"num_words":55,"start":2524.175,"end":2559.68},{"sentences":[{"text":"But otherwise, you guys go and talk amongst yourselves and, yeah, feel free to email me.","start":2559.82,"end":2563.92,"sentiment":"neutral","sentiment_score":0.15637689596042037},{"text":"My pleasure.","start":2567.58,"end":2568.3,"sentiment":"positive","sentiment_score":0.7760940492153168},{"text":"Thank you so much for taking the time to chat with me.","start":2568.3,"end":2570.22,"sentiment":"positive","sentiment_score":0.8444068233172098},{"text":"I really appreciate it, and good luck.","start":2570.22,"end":2572.239,"sentiment":"positive","sentiment_score":0.8235702003751483},{"text":"Bye, guys.","start":2575.519,"end":2576.179,"sentiment":"neutral","sentiment_score":0.06747897714376451}],"sentiment":"positive","sentiment_score":0.5150525556542934,"num_words":39,"start":2559.82,"end":2576.179}]}}]},{"alternatives":[{"transcript":"Hello. This is Steven. Good. Thank you. Lucy is here with me. Hello? Hey. Good. Thanks, Yep. Sure. So I turned 60 a couple of weeks ago and and our thank you. Our plan was to pay out the mortgage so that I could cut back the the amount of work. I work as a high school teacher. And I rang Nathan to say, hey. You know, how do I go about, you know, rearranging the mortgage sort of thing? And he said, well, maybe you should talk to a financial adviser because maybe it's better off instead of taking my my super app. So I've got about 437,000 in super and our more it's 397,000. He said, you know, the the amount of interest you're paying on the mortgage might be less than the amount of interest you're making on on the super. So you might even be better off just getting an income stream and using the income stream to pay out the the fortnightly repayments because the super will increase still over the next five years back. So the problem though few problems here, little flies in the ointment as they say. I have one one 16 year old daughter who I have another year and a half of paying child support for, which I don't mind. But I don't yeah. Okay. So the the bottom line is if we pay out the mortgage and I and I keep 10,000 in there to keep the superannuation going, keep some money in the mortgage so we actually have, like, a redraw. If I do the the other option, which is the income stream, you might be aware of this, child support review views income streams as an income. Gotcha. And so, basically, what I'm gonna do is work a permanent part time job as a groundsman, which I just absolutely love the idea of, and and do one day teacher relief. And that's enough to pay our bills and give me some spending money and just relax. We we like our lifestyle out here at Kilcoy. If I try to do the income stream, I would need to take out the whole well, I'd need to take out enough to be able to pay the the the about 1,200 per fortnight payments. But the moment I do that, child support says, well, that's an income. So we're going to increase your child support payments, which means then I have to take it more than the 1,200 I need. I've now gotta take it at the maximum. Well, I put in my calculations. So I get the maximum, which is about 1,600 a fortnight. That's the most I can get. And it doesn't actually leave me enough money to to continue to live on, you know, reasonably. That's the problem. So yeah. I don't honestly, I don't know if there's much advice you can give us because from what I can say, there's there's there's just no option. If I try and do the income stream, I'm just gonna I get further behind. It's crazy. Yep. Yep. No. Look. It's it's been this this year has been a real, I don't know, kick in the teeth. Got a message from child support back in early February saying, hey. There's been a change of care, and your child support payments are gonna go from 500 a fortnight to 800 a fortnight. It's quite the bills. Well, no. I didn't get to that. Really. So they I said, oh, well, I'll I'll come up with an arrangement. So I talked to my daughter, and she was happy to come out so we we can do the the minimum fifty two nights that kept it at five hundred a fortnight. My ex wife then decided that she would contact child support again and said, oh, this change of care started back in October 2024. So the short story is there was nothing I could do about that. So I had to pay $8,000 in arrears. If she hadn't mentioned something back in October 2024, I would have done what I did this time, which is talk to my daughter. So I spoke to her and said, look. Can we do a can we do a I I just can't afford to because what they were saying, Charlesworth was saying you need to pay I think they started off at $250 a week to pay it back. We just just go, I can't do that. They can we we can do it down to 200. I said I can't do that. And so they finally came down at 125. And and, basically, there would be a $180 a month fine or penalty for every month that I haven't paid off the total $8,000. So that would have come up to about 2,000 on top of the 8,000. Now they did say if you do the right thing and and keep making payments on time, we'll probably waive that penalty. But, you know, it took them three months to find the paperwork that I'd sent in saying that there was a change of care from February through this year. So I was paying the I was paying $700 a a fortnight until they figured that out and found my paperwork. So I don't trust Childscore at all. So yeah. Mhmm. Yep. Yep. Yeah. Yeah. Yeah. Another fact that we yep. I have two more years on a a novated lease on a vehicle. So which is currently coming out pretax and post tax. And I don't have the $6,000 to be able to pay it out tomorrow. So if I can't pay it out, then that's more money I have to put into the income stream, which I just can't I don't have. Like, the 400,000, I think I've got in the super, if I put that into a transition to retirement account, I'm allowed to take out 10%, which would be paid for 40,000. And then 40 thousand per fortnight, I can't remember what that worked out to be, but Oh, no. About 15 I can't I did work that. $1,500. So We we we just can't say, basically, that that scenario would work Oh, yeah. And still be able to have any money to live on. Yeah. I had done I've actually done my own figures as well. I sat down and looked at, okay, well, I've had one day a week or two days a week or three three days a week as teacher relief or did the income stream. I've looked at, well, you know, at the different annual because you gotta we got, okay, this is what I'd be earning a fortnight, and this is the gross tax because child support has worked out price tax. Yeah. So I I've looked at all of that to get annual figures and how much the child support increases. And it's that child support that just does it again. Because the more I child support I have to pay, which is then means I think I worked out if I was doing one day a week, and I was getting $161,600 a fortnight. Yes. So if I'm looking at fortnightly fortnightly figures, if I was getting 1,600 from an income stream and working one day TRS and the the three days groundsman, it gives me a total income about 3,600. The tax on that is 276, But the the child support says, well, you know, your annual income is 93,000. So so it'll be $3 a fortnight I'm paying in child support. It just the way I see it, I I I there might be a few dollars here here and there, but bottom line is it's just too difficult. Unless my daughter comes and lives or lives with us. Probably. I I can't see it happening or what she does, Heather. I'll call her I'll call her my boyfriend. I don't like saying boyfriend. She's had no traction. She has no traction. Yeah. But I I no. I see that she would come and live with us permanently until the end of that time. Well, she might do it, but it it'd be when she has a big a big fight with her mother. And, unfortunately, I'm decisions now. I can't wait for three months down the track. I'm finishing up at the end of this month, July 31. Oh, yeah. There's there's a job coming up as a groundsman in a small country, like a a Kilcoy State School, primary school, and it's it's right out in the in the country, in the rolling hills and cattle and and and it's just being a groundsman, which we've got six acres here. So I've I've been practicing for a year and a half now mowing mowing the six acres. So and it's just so, yeah, no stress compared to teaching year eights and year nines. Anything. I have to work with them. Yeah. So I guess just the stress of of all of that, it's just gone up. Look, if I can if I can take a break and and enjoy the rest of my life, then then I I should do it. So that was my theory. No. No. $3.09 $3.97 on the mortgage. Yep. $4.37. Yeah. It's in the super. Yep. Yep. Yep. So ground as a groundskeeper, it's a thousand and $20. It's it's $30.50. Yep. That's correct. So it's only three half days. It's $34 an hour, fifteen hours. Yep. It's same throughout the whole unless you are remote. Like, if you were and that's gotta be, like, further north from Cairns and and further west than, say, Amoramno. Not in Amoramark, maybe. It's it's it's far North and Far West is yeah. So it's 42 per day, CRS. Yeah. Yeah. So if I one day a week, CRS, thirty hours a week as groundsman, my gross is $2,004. Tax is 276. So and the annual is 52,000. Childs that is a $114. There's a child support calculator. So I've gone through and think based on what my my ex wife has as her income, which is about 43,855. So so yeah. So gross, $4,718. Yep. Yeah. Hon well, I've got, like, a it's 123. I'm currently listed as a 113 because I've got, salary sacrifice and superannuation in the car. So I end up with about just under 2,600 per fortnight in my pay because of tax and the $500 in child support. Yeah. Ren yep. Yep. So payout figure, I did the figures on that. I don't have them right in front of me. It was about just over 6,000 to pay that. Yep. Yes. Yep. Yep. Oh. Mhmm. Yep. Not. None. Yep. Yep. Yep. Well and I don't think today is is a problem because I'll I'll have two weeks of annual leave that I'll be as my termination pay. So as well as whatever, you know, works. So I I don't it's only $6 we're talking about. So I don't think it's sixty days is a problem or thirty days is a problem. But yeah. Say that again, please? What? Yeah. Mention? Mhmm. Yep. Okay. Well, so so okay. So let me just see if I got this in my words. Because I on this of the understanding that you had to take it all or not. All or nothing? Or or the But, yeah, you either had to do the income stream or you had to take the entire lump sum. So what you're saying is now we can do a a twelve month lump sum. Yep. Mhmm. Yep. Yeah. Yeah. Yeah. Okay. It's $11.70 a fortnight, which I think from memory is about 30,000 a year. Yep. Yeah. Okay. Okay. So could could I okay. Could I just do a draw down? Just get enough draw it in that to cover the eighteen months, which is to the end of Charles Charles abort. No. No. It's I think I've seen it go probably $10,000 in in the last three months increase. So that's why it sort of It's working. Working very well for us. Yep. Sure. And that and so that 60,000 is not seen as an income stream that the the child support's going to assess? Right. Right. But yeah. Okay. I hadn't ordered yep. That's yes. But if it's a lump sum, then it's not touched. Okay. Okay. And so we can we can literally or I can literally take a lump sum, you know, whenever I like. I don't have to take the whole lot in one go. Is there a limit or is there a limit to how much of a lump sum you can take at a time if you're not taking the whole lot? Yeah. Or or a a minimum limit minimum? Do you know what I mean? Is there a minimum or a maximum that you can take as a lump sum? Okay. So because I am thinking of what I'm what the the plan is to finish up Friday the thirty first as a full time teacher. And then Tuesday, which would be the first, second, third, fourth of August, start back as a groundsman. Does that quite the problem? Does it? Yeah. Okay. Okay. Okay. Right. So it's gotta be So you have to be unemployed to be able to take a lump sum like that. Right. Yep. Okay. Okay. Okay. Well, I'm sure we could talk to a a prospective employer and say, hey. Can we just Or you can just finish up a week earlier. Alright. Yeah. Well, I don't know if I can. I know you can. Maybe you can. Maybe you can. Alright. Well, we'll be looking at that. So yeah. That's another option. And so so, basically, I only need to be unemployed slash retired for the period at at which I am submitting this piece of paperwork. It it doesn't mean I have to wait until they give me a response or I get the money. Is that how that work? No. No. No. Is that yep. It has to be from accumulation. Yep. Yep. Yeah. We've we've been told if if I put it into my my personal account and, like, if I take a hundred days and I put it in my personal account, then any interest it earns is then accessible for child support. But yeah. Well, the easy thing is, you know, Lucy and and she looks after me. My name. And hopefully, doesn't go on a world trip without me. How old am I? I'm 60. So we're both 60 this Yeah. So I I've got a a transition to retirement account. I work three days a week, but I've got a a transition fund set up to supplement my income to day old. Yep. So I've Yep. Yep. Yep. Yep. Yes. No. They haven't Yep. No. I don't. Oh, okay. Yep. Yep. Yep. Yes. Mhmm. Yep. Yep. Yeah. Okay. Food to thought. Yeah. Okay. Yep. You're right. Yep. Okay. Well, that's where you come in and yeah. We don't take it down more down. Brainpower. Yep. Not. Okay. Okay. Okay. Alright. So if we wanted to take that next step and get you to to go down that track and do all that sort of stuff, what sort of fees are we looking at? Right. Okay. Mhmm. Mhmm. Yep. Okay. Okay. Yep. Yes. Yes. Yep. Okay. Well, I was saying but well, there's probably some more thinking we obviously gotta do about that. Mhmm. But Yep. Something to think about. Yep. No. Yep. Yep. Yep. Yep. Yeah. Yeah. That's true. Alright. Okay. Alright. Well, my brain's probably full at this point. Yeah. Yeah. I'm just gonna so now you've you've I guess it all now. You've definitely give it some some things we didn't know about, some other options, which is interesting. So whether that's going to be beneficial Yep. For okay. Yep. Yep. Yep. Yeah. Yeah. Okay. Alright. Okay. No. That that's good. Yeah. Certainly give us given us some more things to think about Yep. We weren't aware of. So yeah. Yes. Definitely. Wonderful. We will that. Yep. Yep. Yep. Alright. Alright. Thank you very much. Thank thank you for your time. Thank you. Okay. Bye 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This is Steven. Good. Thank you. Lucy is here with me.\n\nHello? Hey. Good. Thanks, Yep. Sure.\n\nSo I turned 60 a couple of weeks ago and and our thank you. Our plan was to pay out the mortgage so that I could cut back the the amount of work. I work as a high school teacher. And I rang Nathan to say, hey. You know, how do I go about, you know, rearranging the mortgage sort of thing?\n\nAnd he said, well, maybe you should talk to a financial adviser because maybe it's better off instead of taking my my super app. So I've got about 437,000 in super and our more it's 397,000. He said, you know, the the amount of interest you're paying on the mortgage might be less than the amount of interest you're making on on the super. So you might even be better off just getting an income stream and using the income stream to pay out the the fortnightly repayments because the super will increase still over the next five years back. So the problem though few problems here, little flies in the ointment as they say.\n\nI have one one 16 year old daughter who I have another year and a half of paying child support for, which I don't mind. But I don't yeah. Okay. So the the bottom line is if we pay out the mortgage and I and I keep 10,000 in there to keep the superannuation going, keep some money in the mortgage so we actually have, like, a redraw. If I do the the other option, which is the income stream, you might be aware of this, child support review views income streams as an income.\n\nGotcha. And so, basically, what I'm gonna do is work a permanent part time job as a groundsman, which I just absolutely love the idea of, and and do one day teacher relief. And that's enough to pay our bills and give me some spending money and just relax. We we like our lifestyle out here at Kilcoy. If I try to do the income stream, I would need to take out the whole well, I'd need to take out enough to be able to pay the the the about 1,200 per fortnight payments.\n\nBut the moment I do that, child support says, well, that's an income. So we're going to increase your child support payments, which means then I have to take it more than the 1,200 I need. I've now gotta take it at the maximum. Well, I put in my calculations. So I get the maximum, which is about 1,600 a fortnight.\n\nThat's the most I can get. And it doesn't actually leave me enough money to to continue to live on, you know, reasonably. That's the problem. So yeah. I don't honestly, I don't know if there's much advice you can give us because from what I can say, there's there's there's just no option.\n\nIf I try and do the income stream, I'm just gonna I get further behind. It's crazy. Yep. Yep. No.\n\nLook. It's it's been this this year has been a real, I don't know, kick in the teeth. Got a message from child support back in early February saying, hey. There's been a change of care, and your child support payments are gonna go from 500 a fortnight to 800 a fortnight. It's quite the bills.\n\nWell, no. I didn't get to that. Really. So they I said, oh, well, I'll I'll come up with an arrangement. So I talked to my daughter, and she was happy to come out so we we can do the the minimum fifty two nights that kept it at five hundred a fortnight.\n\nMy ex wife then decided that she would contact child support again and said, oh, this change of care started back in October 2024. So the short story is there was nothing I could do about that. So I had to pay $8,000 in arrears. If she hadn't mentioned something back in October 2024, I would have done what I did this time, which is talk to my daughter. So I spoke to her and said, look.\n\nCan we do a can we do a I I just can't afford to because what they were saying, Charlesworth was saying you need to pay I think they started off at $250 a week to pay it back. We just just go, I can't do that. They can we we can do it down to 200. I said I can't do that. And so they finally came down at 125.\n\nAnd and, basically, there would be a $180 a month fine or penalty for every month that I haven't paid off the total $8,000. So that would have come up to about 2,000 on top of the 8,000. Now they did say if you do the right thing and and keep making payments on time, we'll probably waive that penalty. But, you know, it took them three months to find the paperwork that I'd sent in saying that there was a change of care from February through this year. So I was paying the I was paying $700 a a fortnight until they figured that out and found my paperwork.\n\nSo I don't trust Childscore at all. So yeah. Mhmm. Yep. Yep.\n\nYeah. Yeah. Yeah. Another fact that we yep. I have two more years on a a novated lease on a vehicle.\n\nSo which is currently coming out pretax and post tax. And I don't have the $6,000 to be able to pay it out tomorrow. So if I can't pay it out, then that's more money I have to put into the income stream, which I just can't I don't have. Like, the 400,000, I think I've got in the super, if I put that into a transition to retirement account, I'm allowed to take out 10%, which would be paid for 40,000. And then 40 thousand per fortnight, I can't remember what that worked out to be, but Oh, no.\n\nAbout 15 I can't I did work that. $1,500. So We we we just can't say, basically, that that scenario would work Oh, yeah. And still be able to have any money to live on. Yeah.\n\nI had done I've actually done my own figures as well. I sat down and looked at, okay, well, I've had one day a week or two days a week or three three days a week as teacher relief or did the income stream. I've looked at, well, you know, at the different annual because you gotta we got, okay, this is what I'd be earning a fortnight, and this is the gross tax because child support has worked out price tax. Yeah. So I I've looked at all of that to get annual figures and how much the child support increases.\n\nAnd it's that child support that just does it again. Because the more I child support I have to pay, which is then means I think I worked out if I was doing one day a week, and I was getting $161,600 a fortnight. Yes. So if I'm looking at fortnightly fortnightly figures, if I was getting 1,600 from an income stream and working one day TRS and the the three days groundsman, it gives me a total income about 3,600. The tax on that is 276, But the the child support says, well, you know, your annual income is 93,000.\n\nSo so it'll be $3 a fortnight I'm paying in child support. It just the way I see it, I I I there might be a few dollars here here and there, but bottom line is it's just too difficult. Unless my daughter comes and lives or lives with us. Probably. I I can't see it happening or what she does, Heather.\n\nI'll call her I'll call her my boyfriend. I don't like saying boyfriend. She's had no traction. She has no traction. Yeah.\n\nBut I I no. I see that she would come and live with us permanently until the end of that time. Well, she might do it, but it it'd be when she has a big a big fight with her mother. And, unfortunately, I'm decisions now. I can't wait for three months down the track.\n\nI'm finishing up at the end of this month, July 31. Oh, yeah. There's there's a job coming up as a groundsman in a small country, like a a Kilcoy State School, primary school, and it's it's right out in the in the country, in the rolling hills and cattle and and and it's just being a groundsman, which we've got six acres here. So I've I've been practicing for a year and a half now mowing mowing the six acres. So and it's just so, yeah, no stress compared to teaching year eights and year nines.\n\nAnything. I have to work with them. Yeah. So I guess just the stress of of all of that, it's just gone up. Look, if I can if I can take a break and and enjoy the rest of my life, then then I I should do it.\n\nSo that was my theory. No. No. $3.09 $3.97 on the mortgage. Yep.\n\n$4.37. Yeah. It's in the super. Yep. Yep.\n\nYep. So ground as a groundskeeper, it's a thousand and $20. It's it's $30.50. Yep. That's correct.\n\nSo it's only three half days. It's $34 an hour, fifteen hours. Yep. It's same throughout the whole unless you are remote. Like, if you were and that's gotta be, like, further north from Cairns and and further west than, say, Amoramno.\n\nNot in Amoramark, maybe. It's it's it's far North and Far West is yeah. So it's 42 per day, CRS. Yeah. Yeah.\n\nSo if I one day a week, CRS, thirty hours a week as groundsman, my gross is $2,004. Tax is 276. So and the annual is 52,000. Childs that is a $114. There's a child support calculator.\n\nSo I've gone through and think based on what my my ex wife has as her income, which is about 43,855. So so yeah. So gross, $4,718. Yep. Yeah.\n\nHon well, I've got, like, a it's 123. I'm currently listed as a 113 because I've got, salary sacrifice and superannuation in the car. So I end up with about just under 2,600 per fortnight in my pay because of tax and the $500 in child support. Yeah. Ren yep.\n\nYep. So payout figure, I did the figures on that. I don't have them right in front of me. It was about just over 6,000 to pay that. Yep.\n\nYes. Yep. Yep. Oh. Mhmm.\n\nYep. Not. None. Yep. Yep.\n\nYep. Well and I don't think today is is a problem because I'll I'll have two weeks of annual leave that I'll be as my termination pay. So as well as whatever, you know, works. So I I don't it's only $6 we're talking about. So I don't think it's sixty days is a problem or thirty days is a problem.\n\nBut yeah. Say that again, please? What? Yeah. Mention?\n\nMhmm. Yep. Okay. Well, so so okay. So let me just see if I got this in my words.\n\nBecause I on this of the understanding that you had to take it all or not. All or nothing? Or or the But, yeah, you either had to do the income stream or you had to take the entire lump sum. So what you're saying is now we can do a a twelve month lump sum. Yep.\n\nMhmm. Yep. Yeah. Yeah. Yeah.\n\nOkay. It's $11.70 a fortnight, which I think from memory is about 30,000 a year. Yep. Yeah. Okay.\n\nOkay. So could could I okay. Could I just do a draw down? Just get enough draw it in that to cover the eighteen months, which is to the end of Charles Charles abort. No.\n\nNo. It's I think I've seen it go probably $10,000 in in the last three months increase. So that's why it sort of It's working. Working very well for us. Yep.\n\nSure. And that and so that 60,000 is not seen as an income stream that the the child support's going to assess? Right. Right. But yeah.\n\nOkay. I hadn't ordered yep. That's yes. But if it's a lump sum, then it's not touched. Okay.\n\nOkay. And so we can we can literally or I can literally take a lump sum, you know, whenever I like. I don't have to take the whole lot in one go. Is there a limit or is there a limit to how much of a lump sum you can take at a time if you're not taking the whole lot? Yeah.\n\nOr or a a minimum limit minimum? Do you know what I mean? Is there a minimum or a maximum that you can take as a lump sum? Okay. So because I am thinking of what I'm what the the plan is to finish up Friday the thirty first as a full time teacher.\n\nAnd then Tuesday, which would be the first, second, third, fourth of August, start back as a groundsman. Does that quite the problem? Does it? Yeah. Okay.\n\nOkay. Okay. Right. So it's gotta be So you have to be unemployed to be able to take a lump sum like that. Right.\n\nYep. Okay. Okay. Okay. Well, I'm sure we could talk to a a prospective employer and say, hey.\n\nCan we just Or you can just finish up a week earlier. Alright. Yeah. Well, I don't know if I can. I know you can.\n\nMaybe you can. Maybe you can. Alright. Well, we'll be looking at that. So yeah.\n\nThat's another option. And so so, basically, I only need to be unemployed slash retired for the period at at which I am submitting this piece of paperwork. It it doesn't mean I have to wait until they give me a response or I get the money. Is that how that work? No.\n\nNo. No. Is that yep. It has to be from accumulation. Yep.\n\nYep. Yeah. We've we've been told if if I put it into my my personal account and, like, if I take a hundred days and I put it in my personal account, then any interest it earns is then accessible for child support. But yeah. Well, the easy thing is, you know, Lucy and and she looks after me.\n\nMy name. And hopefully, doesn't go on a world trip without me. How old am I? I'm 60. So we're both 60 this Yeah.\n\nSo I I've got a a transition to retirement account. I work three days a week, but I've got a a transition fund set up to supplement my income to day old. Yep. So I've Yep. Yep.\n\nYep. Yep. Yes. No. They haven't Yep.\n\nNo. I don't. Oh, okay. Yep. Yep.\n\nYep. Yes. Mhmm. Yep. Yep.\n\nYeah. Okay. Food to thought. Yeah. Okay.\n\nYep. You're right. Yep. Okay. Well, that's where you come in and yeah.\n\nWe don't take it down more down. Brainpower. Yep. Not. Okay.\n\nOkay. Okay. Alright. So if we wanted to take that next step and get you to to go down that track and do all that sort of stuff, what sort of fees are we looking at? Right.\n\nOkay. Mhmm. Mhmm. Yep. Okay.\n\nOkay. Yep. Yes. Yes. Yep.\n\nOkay. Well, I was saying but well, there's probably some more thinking we obviously gotta do about that. Mhmm. But Yep. Something to think about.\n\nYep. No. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. That's true. Alright.\n\nOkay. Alright. Well, my brain's probably full at this point. Yeah. Yeah.\n\nI'm just gonna so now you've you've I guess it all now. You've definitely give it some some things we didn't know about, some other options, which is interesting. So whether that's going to be beneficial Yep. For okay. Yep.\n\nYep. Yep. Yeah. Yeah. Okay.\n\nAlright. Okay. No. That that's good. Yeah.\n\nCertainly give us given us some more things to think about Yep. We weren't aware of. So yeah. Yes. Definitely.\n\nWonderful. We will that. Yep. Yep. Yep.\n\nAlright. Alright. Thank you very much. Thank thank you for your time. Thank you.\n\nOkay. 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other option, which is the income stream, you might be aware of this, child support review views income streams as an income.","start":156.88,"end":168.285,"sentiment":"neutral","sentiment_score":0.03318071158395873}],"sentiment":"neutral","sentiment_score":-0.02362092172628955,"num_words":95,"start":132.635,"end":168.285},{"sentences":[{"text":"Gotcha.","start":169.30501,"end":169.80501,"sentiment":"neutral","sentiment_score":0.0804481953382492},{"text":"And so, basically, what I'm gonna do is work a permanent part time job as a groundsman, which I just absolutely love the idea of, and and do one day teacher relief.","start":170.18501,"end":185.865,"sentiment":"positive","sentiment_score":0.3863371799234301},{"text":"And that's enough to pay our bills and give me some spending money and just relax.","start":186.345,"end":190.265,"sentiment":"positive","sentiment_score":0.47846307419240475},{"text":"We we like our lifestyle out here at Kilcoy.","start":190.265,"end":195.16501,"sentiment":"positive","sentiment_score":0.661681764655643},{"text":"If I try to do the income stream, I would need to take out the whole well, I'd need to take out enough to be able to pay the the the about 1,200 per fortnight payments.","start":197.225,"end":210.09999,"sentiment":"neutral","sentiment_score":-0.07351890154596832}],"sentiment":"neutral","sentiment_score":0.24901172942779165,"num_words":94,"start":169.30501,"end":210.09999},{"sentences":[{"text":"But the moment I do that, child support says, well, that's an income.","start":210.31999,"end":213.7,"sentiment":"neutral","sentiment_score":-0.09328074122850712},{"text":"So we're going to increase your child support payments, which means then I have to take it more than the 1,200 I need.","start":214.19499,"end":220.275,"sentiment":"neutral","sentiment_score":-0.03297427009143259},{"text":"I've now gotta take it at the maximum.","start":220.275,"end":221.795,"sentiment":"neutral","sentiment_score":0.008181923069059849},{"text":"Well, I put in my calculations.","start":221.795,"end":223.175,"sentiment":"neutral","sentiment_score":0.02750653773546219},{"text":"So I get the maximum, which is about 1,600 a fortnight.","start":223.795,"end":227.395,"sentiment":"neutral","sentiment_score":0.04398623074997555}],"sentiment":"neutral","sentiment_score":-0.020601880309156707,"num_words":61,"start":210.31999,"end":227.395},{"sentences":[{"text":"That's the most I can get.","start":227.395,"end":228.935,"sentiment":"neutral","sentiment_score":0.04135167319327593},{"text":"And it doesn't actually leave me enough money to to continue to live on, you know, reasonably.","start":231.15,"end":237.89,"sentiment":"neutral","sentiment_score":-0.12759201623061123},{"text":"That's the problem.","start":238.98999,"end":239.97,"sentiment":"neutral","sentiment_score":-0.2400289624929428},{"text":"So yeah.","start":240.83,"end":242.67,"sentiment":"neutral","sentiment_score":-0.17017366737127304},{"text":"I don't honestly, I don't know if there's much advice you can give us because from what I can say, there's there's there's just no option.","start":242.67,"end":251.64499,"sentiment":"neutral","sentiment_score":-0.3291409124548619}],"sentiment":"neutral","sentiment_score":-0.21368615153349108,"num_words":54,"start":227.395,"end":251.64499},{"sentences":[{"text":"If I try and do the income stream, I'm just gonna I get further behind.","start":251.86499,"end":257.225,"sentiment":"negative","sentiment_score":-0.463252721230189},{"text":"It's crazy.","start":257.225,"end":257.88498,"sentiment":"negative","sentiment_score":-0.41592878103256226},{"text":"Yep.","start":262.0,"end":262.47998,"sentiment":"neutral","sentiment_score":-0.10029463469982149},{"text":"Yep.","start":262.47998,"end":262.97998,"sentiment":"neutral","sentiment_score":-0.08092956244945526},{"text":"No.","start":274.815,"end":275.055,"sentiment":"negative","sentiment_score":-0.39745238423347473}],"sentiment":"negative","sentiment_score":-0.4179662480950356,"num_words":20,"start":251.86499,"end":275.055},{"sentences":[{"text":"Look.","start":275.055,"end":275.29498,"sentiment":"negative","sentiment_score":-0.43361079692840576},{"text":"It's it's been this this year has been a real, I don't know, kick in the teeth.","start":275.29498,"end":280.91498,"sentiment":"negative","sentiment_score":-0.5783714599469129},{"text":"Got a message from child support back in early February saying, hey.","start":282.735,"end":286.175,"sentiment":"neutral","sentiment_score":-0.1300116494918863},{"text":"There's been a change of care, and your child support payments are gonna go from 500 a fortnight to 800 a fortnight.","start":286.175,"end":292.88998,"sentiment":"neutral","sentiment_score":-0.16885593770579857},{"text":"It's quite the bills.","start":295.11,"end":296.16998,"sentiment":"negative","sentiment_score":-0.38463791459798813}],"sentiment":"neutral","sentiment_score":-0.3049901374615729,"num_words":56,"start":275.055,"end":296.16998},{"sentences":[{"text":"Well, no.","start":296.47,"end":296.87,"sentiment":"negative","sentiment_score":-0.41512367129325867},{"text":"I didn't get to that.","start":296.87,"end":297.59,"sentiment":"negative","sentiment_score":-0.4742988646030426},{"text":"Really.","start":297.66998,"end":298.16998,"sentiment":"neutral","sentiment_score":-0.15041124820709229},{"text":"So they I said, oh, well, I'll I'll come up with an arrangement.","start":298.31,"end":301.895,"sentiment":"neutral","sentiment_score":0.05085174567424334},{"text":"So I talked to my daughter, and she was happy to come out so we we can do the the minimum fifty two nights that kept it at five hundred a fortnight.","start":301.895,"end":309.51498,"sentiment":"positive","sentiment_score":0.4131322633475065}],"sentiment":"neutral","sentiment_score":0.19866324919012357,"num_words":53,"start":296.47,"end":309.51498},{"sentences":[{"text":"My ex wife then decided that she would contact child support again and said, oh, this change of care started back in October 2024.","start":311.335,"end":320.55005,"sentiment":"neutral","sentiment_score":-0.20964059668282667},{"text":"So the short story is there was nothing I could do about that.","start":322.61002,"end":328.21,"sentiment":"negative","sentiment_score":-0.4108933600095602},{"text":"So I had to pay $8,000 in arrears.","start":328.21,"end":331.295,"sentiment":"negative","sentiment_score":-0.34710992500185966},{"text":"If she hadn't mentioned something back in October 2024, I would have done what I did this time, which is talk to my daughter.","start":331.99503,"end":338.655,"sentiment":"neutral","sentiment_score":-0.277641911059618},{"text":"So I spoke to her and said, look.","start":340.55502,"end":343.11502,"sentiment":"neutral","sentiment_score":-0.08041366329416633}],"sentiment":"neutral","sentiment_score":-0.2656699035365086,"num_words":77,"start":311.335,"end":343.11502},{"sentences":[{"text":"Can we do a can we do a I I just can't afford to because what they were saying, Charlesworth was saying you need to pay I think they started off at $250 a week to pay it back.","start":343.11502,"end":353.0,"sentiment":"neutral","sentiment_score":-0.25236395402596545},{"text":"We just just go, I can't do that.","start":353.3,"end":355.24,"sentiment":"negative","sentiment_score":-0.4410906694829464},{"text":"They can we we can do it down to 200.","start":355.86,"end":358.155,"sentiment":"neutral","sentiment_score":-0.19294399619102479},{"text":"I said I can't do that.","start":358.395,"end":359.51498,"sentiment":"negative","sentiment_score":-0.37684981028238934},{"text":"And so they finally came down at 125.","start":359.51498,"end":362.01498,"sentiment":"neutral","sentiment_score":-0.2182899173349142}],"sentiment":"neutral","sentiment_score":-0.2719405313402834,"num_words":71,"start":343.11502,"end":362.01498},{"sentences":[{"text":"And and, basically, there would be a $180 a month fine or penalty for every month that I haven't paid off the total $8,000.","start":362.635,"end":378.16998,"sentiment":"negative","sentiment_score":-0.3914666287600994},{"text":"So that would have come up to about 2,000 on top of the 8,000.","start":379.43,"end":383.37,"sentiment":"negative","sentiment_score":-0.36167617567947935},{"text":"Now they did say if you do the right thing and and keep making payments on time, we'll probably waive that penalty.","start":383.75,"end":390.925,"sentiment":"neutral","sentiment_score":-0.10413817621090195},{"text":"But, you know, it took them three months to find the paperwork that I'd sent in saying that there was a change of care from February through this year.","start":390.925,"end":401.265,"sentiment":"negative","sentiment_score":-0.33866316696693155},{"text":"So I was paying the I was paying $700 a a fortnight until they figured that out and found my paperwork.","start":401.565,"end":408.38,"sentiment":"negative","sentiment_score":-0.4482457410721552}],"sentiment":"neutral","sentiment_score":-0.3271281620995565,"num_words":110,"start":362.635,"end":408.38},{"sentences":[{"text":"So I don't trust Childscore at 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that we yep.","start":537.90497,"end":540.325,"sentiment":"neutral","sentiment_score":-0.03819790743291378},{"text":"I have two more years on a a novated lease on a vehicle.","start":541.665,"end":547.845,"sentiment":"neutral","sentiment_score":-0.19869148444670898}],"sentiment":"neutral","sentiment_score":-0.12803016789257526,"num_words":21,"start":519.03503,"end":547.845},{"sentences":[{"text":"So which is currently coming out pretax and post tax.","start":547.90497,"end":551.98004,"sentiment":"neutral","sentiment_score":-0.1619189903140068},{"text":"And I don't have the $6,000 to be able to pay it out tomorrow.","start":552.84,"end":558.14,"sentiment":"negative","sentiment_score":-0.46761748514005114},{"text":"So if I can't pay it out, then that's more money I have to put into the income stream, which I just can't I don't have.","start":559.08,"end":568.03503,"sentiment":"negative","sentiment_score":-0.5459689297355138},{"text":"Like, the 400,000, I think I've got in the super, if I put that into a transition to retirement account, I'm allowed to take out 10%, which would be paid for 40,000.","start":568.03503,"end":581.07,"sentiment":"neutral","sentiment_score":0.09446264489088207},{"text":"And then 40 thousand per fortnight, I can't remember what that worked out to be, but Oh, no.","start":581.29004,"end":587.21,"sentiment":"neutral","sentiment_score":-0.0259382879982392}],"sentiment":"neutral","sentiment_score":-0.19805111415684223,"num_words":100,"start":547.90497,"end":587.21},{"sentences":[{"text":"About 15 I can't I did work that.","start":587.61005,"end":589.79004,"sentiment":"neutral","sentiment_score":-0.18662491627037525},{"text":"$1,500.","start":590.925,"end":592.065,"sentiment":"neutral","sentiment_score":-0.042483799159526825},{"text":"So We we we just can't say, basically, that that scenario would work Oh, yeah.","start":593.565,"end":601.565,"sentiment":"neutral","sentiment_score":0.016872111707925797},{"text":"And still be able to have any money to live on.","start":601.645,"end":604.125,"sentiment":"neutral","sentiment_score":0.15041656182570892},{"text":"Yeah.","start":604.125,"end":604.445,"sentiment":"neutral","sentiment_score":0.0806591585278511}],"sentiment":"neutral","sentiment_score":0.012578885691861311,"num_words":36,"start":587.61005,"end":604.445},{"sentences":[{"text":"I had done I've actually done my own figures as well.","start":604.445,"end":606.98,"sentiment":"neutral","sentiment_score":0.062126212838021194},{"text":"I sat down and looked at, okay, well, I've had one day a week or two days a week or three three days a week as teacher relief or did the income stream.","start":606.98,"end":616.74,"sentiment":"neutral","sentiment_score":0.00599887935360047},{"text":"I've looked at, well, you know, at the different annual because you gotta we got, okay, this is what I'd be earning a fortnight, and this is the gross tax because child support has worked out price tax.","start":616.74,"end":627.385,"sentiment":"neutral","sentiment_score":-0.1069163745759349},{"text":"Yeah.","start":629.04504,"end":629.28503,"sentiment":"neutral","sentiment_score":0.00009527429938316344},{"text":"So I I've looked at all of that to get annual figures and how much the child support increases.","start":629.28503,"end":634.58,"sentiment":"neutral","sentiment_score":-0.019045930747923098}],"sentiment":"neutral","sentiment_score":-0.03473772827362386,"num_words":102,"start":604.445,"end":634.58},{"sentences":[{"text":"And it's that child support that just does it again.","start":635.12,"end":638.18,"sentiment":"neutral","sentiment_score":-0.02942434623837471},{"text":"Because the more I child support I have to pay, which is then means I think I worked out if I was doing one day a week, and I was getting $161,600 a fortnight.","start":638.96,"end":652.16504,"sentiment":"neutral","sentiment_score":0.003580866491093355},{"text":"Yes.","start":655.265,"end":655.505,"sentiment":"neutral","sentiment_score":0.06876461207866669},{"text":"So if I'm looking at fortnightly fortnightly figures, if I was getting 1,600 from an income stream and working one day TRS and the the three days groundsman, it gives me a total income about 3,600.","start":655.505,"end":668.37,"sentiment":"neutral","sentiment_score":0.0890954105804364},{"text":"The tax on that is 276, But the the child support says, well, you know, your annual income is 93,000.","start":669.39,"end":679.785,"sentiment":"neutral","sentiment_score":-0.008278620289638638}],"sentiment":"neutral","sentiment_score":0.0290904255989607,"num_words":101,"start":635.12,"end":679.785},{"sentences":[{"text":"So so it'll be $3 a fortnight I'm paying in child support.","start":679.785,"end":685.96497,"sentiment":"neutral","sentiment_score":-0.0445606189314276},{"text":"It just the way I see it, I I I there might be a few dollars here here and there, but bottom line is it's just too difficult.","start":687.065,"end":697.32,"sentiment":"neutral","sentiment_score":-0.25609852453427656},{"text":"Unless my daughter comes and lives or lives with us.","start":697.86005,"end":702.215,"sentiment":"neutral","sentiment_score":-0.12691280585713685},{"text":"Probably.","start":704.275,"end":704.775,"sentiment":"neutral","sentiment_score":-0.031632836908102036},{"text":"I I can't see it happening or what she does, Heather.","start":705.075,"end":707.475,"sentiment":"neutral","sentiment_score":-0.1827128448269584}],"sentiment":"neutral","sentiment_score":-0.17767884359214334,"num_words":62,"start":679.785,"end":707.475},{"sentences":[{"text":"I'll call her I'll call her my boyfriend.","start":707.475,"end":708.915,"sentiment":"neutral","sentiment_score":-0.08492848556488752},{"text":"I don't like saying boyfriend.","start":708.915,"end":710.135,"sentiment":"neutral","sentiment_score":-0.20018043220043183},{"text":"She's had no traction.","start":710.675,"end":711.815,"sentiment":"neutral","sentiment_score":-0.26454438641667366},{"text":"She has no traction.","start":712.275,"end":713.255,"sentiment":"neutral","sentiment_score":-0.14978759177029133},{"text":"Yeah.","start":715.96,"end":716.2,"sentiment":"neutral","sentiment_score":-0.07169793546199799}],"sentiment":"neutral","sentiment_score":-0.15497072244232352,"num_words":22,"start":707.475,"end":716.2},{"sentences":[{"text":"But I I no.","start":716.2,"end":717.32,"sentiment":"neutral","sentiment_score":-0.10611801035702229},{"text":"I see that she would come and live with us permanently until the end of that time.","start":717.32,"end":722.68005,"sentiment":"neutral","sentiment_score":-0.10595978555433891},{"text":"Well, she might do it, but it it'd be when she has a big a big fight with her mother.","start":722.68005,"end":727.74005,"sentiment":"negative","sentiment_score":-0.3525039806962013},{"text":"And, unfortunately, I'm decisions now.","start":728.54504,"end":730.885,"sentiment":"neutral","sentiment_score":-0.20311608612537385},{"text":"I can't wait for three months down the track.","start":731.74506,"end":734.085,"sentiment":"neutral","sentiment_score":-0.2872673620780309}],"sentiment":"neutral","sentiment_score":-0.23412463089281862,"num_words":55,"start":716.2,"end":734.085},{"sentences":[{"text":"I'm finishing up at the end of this month, July 31.","start":742.22504,"end":744.7001,"sentiment":"neutral","sentiment_score":0.02982062152163549},{"text":"Oh, yeah.","start":748.04,"end":748.7,"sentiment":"neutral","sentiment_score":0.05532858893275261},{"text":"There's there's a job coming up as a groundsman in a small country, like a a Kilcoy State School, primary school, and it's it's right out in the in the country, in the rolling hills and cattle and and and it's just being a groundsman, which we've got six acres here.","start":749.16,"end":766.29504,"sentiment":"neutral","sentiment_score":0.026645686655469677},{"text":"So I've I've been practicing for a year and a half now mowing mowing the six acres.","start":766.29504,"end":771.16,"sentiment":"neutral","sentiment_score":0.0322864496094339},{"text":"So and it's just so, yeah, no stress compared to teaching year eights and year nines.","start":772.26,"end":777.64,"sentiment":"neutral","sentiment_score":-0.06405021413229406}],"sentiment":"neutral","sentiment_score":0.013625569600784747,"num_words":97,"start":742.22504,"end":777.64},{"sentences":[{"text":"Anything.","start":779.46,"end":779.96,"sentiment":"neutral","sentiment_score":-0.05245819687843323},{"text":"I have to work with them.","start":785.055,"end":786.355,"sentiment":"neutral","sentiment_score":-0.16907551884651184},{"text":"Yeah.","start":787.055,"end":787.295,"sentiment":"neutral","sentiment_score":-0.07846148312091827},{"text":"So I guess just the stress of of all of that, it's just gone up.","start":787.295,"end":791.055,"sentiment":"neutral","sentiment_score":-0.2537391488750776},{"text":"Look, if I can if I can take a break and and enjoy the rest of my life, then then I I should do it.","start":791.055,"end":799.69,"sentiment":"neutral","sentiment_score":0.1610730418562889}],"sentiment":"neutral","sentiment_score":-0.01926320791244507,"num_words":48,"start":779.46,"end":799.69},{"sentences":[{"text":"So that was my theory.","start":799.83,"end":801.21,"sentiment":"neutral","sentiment_score":0.10079053789377213},{"text":"No.","start":809.11005,"end":809.27,"sentiment":"neutral","sentiment_score":-0.09233702719211578},{"text":"No.","start":809.27,"end":809.43005,"sentiment":"neutral","sentiment_score":-0.0830230563879013},{"text":"$3.09 $3.97 on the mortgage.","start":809.43005,"end":814.145,"sentiment":"neutral","sentiment_score":-0.035183679684996604},{"text":"Yep.","start":814.145,"end":814.645,"sentiment":"neutral","sentiment_score":-0.0004226925666444003}],"sentiment":"neutral","sentiment_score":0.011711654992093546,"num_words":13,"start":799.83,"end":814.645},{"sentences":[{"text":"$4.37.","start":817.425,"end":818.145,"sentiment":"neutral","sentiment_score":0.04354624077677727},{"text":"Yeah.","start":818.145,"end":818.465,"sentiment":"neutral","sentiment_score":0.24457059800624847},{"text":"It's in the super.","start":818.465,"end":819.28503,"sentiment":"positive","sentiment_score":0.36373793333768845},{"text":"Yep.","start":825.66504,"end":826.02,"sentiment":"neutral","sentiment_score":0.08312437683343887},{"text":"Yep.","start":829.06,"end":829.56,"sentiment":"neutral","sentiment_score":0.04832524061203003}],"sentiment":"neutral","sentiment_score":0.23431477369740605,"num_words":8,"start":817.425,"end":829.56},{"sentences":[{"text":"Yep.","start":837.94,"end":838.44,"sentiment":"neutral","sentiment_score":0.00532063003629446},{"text":"So ground as a groundskeeper, it's a thousand and $20.","start":839.7,"end":844.705,"sentiment":"neutral","sentiment_score":0.004574196296744049},{"text":"It's it's $30.50.","start":846.285,"end":851.265,"sentiment":"neutral","sentiment_score":0.01525841373950243},{"text":"Yep.","start":852.285,"end":852.605,"sentiment":"neutral","sentiment_score":0.06598745286464691},{"text":"That's correct.","start":852.605,"end":853.245,"sentiment":"neutral","sentiment_score":0.12685565650463104}],"sentiment":"neutral","sentiment_score":0.024502152946832424,"num_words":17,"start":837.94,"end":853.245},{"sentences":[{"text":"So it's only three half days.","start":853.245,"end":855.745,"sentiment":"neutral","sentiment_score":0.059412057201067604},{"text":"It's $34 an hour, fifteen hours.","start":856.37,"end":858.63,"sentiment":"neutral","sentiment_score":0.07062978421648343},{"text":"Yep.","start":861.17,"end":861.67,"sentiment":"neutral","sentiment_score":0.17300133407115936},{"text":"It's same throughout the whole unless you are remote.","start":874.635,"end":883.29504,"sentiment":"neutral","sentiment_score":0.0113796502765682},{"text":"Like, if you were and that's gotta be, like, further north from Cairns and and further west than, say, Amoramno.","start":883.94,"end":896.12,"sentiment":"neutral","sentiment_score":-0.007112843776121735}],"sentiment":"neutral","sentiment_score":0.021747913322455827,"num_words":42,"start":853.245,"end":896.12},{"sentences":[{"text":"Not in Amoramark, maybe.","start":896.18,"end":898.12,"sentiment":"neutral","sentiment_score":-0.036910757422447205},{"text":"It's it's it's far North and Far West is yeah.","start":898.615,"end":905.835,"sentiment":"neutral","sentiment_score":-0.0005093597108498215},{"text":"So it's 42 per day, CRS.","start":906.455,"end":911.275,"sentiment":"neutral","sentiment_score":-0.0014020747039467096},{"text":"Yeah.","start":915.99,"end":916.49,"sentiment":"neutral","sentiment_score":0.06215133517980576},{"text":"Yeah.","start":931.195,"end":931.59503,"sentiment":"neutral","sentiment_score":0.01395801082253456}],"sentiment":"neutral","sentiment_score":-0.0038654422281648626,"num_words":22,"start":896.18,"end":931.59503},{"sentences":[{"text":"So if I one day a week, CRS, thirty hours a week as groundsman, my gross is $2,004.","start":931.59503,"end":940.335,"sentiment":"neutral","sentiment_score":0.005186432830264999},{"text":"Tax is 276.","start":941.195,"end":942.97504,"sentiment":"neutral","sentiment_score":0.00821838000168403},{"text":"So and the annual is 52,000.","start":944.19,"end":946.29,"sentiment":"neutral","sentiment_score":0.00962112471461296},{"text":"Childs that is a $114.","start":947.39,"end":949.47,"sentiment":"neutral","sentiment_score":0.019960024580359458},{"text":"There's a child support calculator.","start":949.47,"end":950.93,"sentiment":"neutral","sentiment_score":0.026638700813055038}],"sentiment":"neutral","sentiment_score":0.011046792059583036,"num_words":37,"start":931.59503,"end":950.93},{"sentences":[{"text":"So I've gone through and think based on what my my ex wife has as her income, which is about 43,855.","start":951.07,"end":960.595,"sentiment":"neutral","sentiment_score":0.0031647213867732455},{"text":"So so yeah.","start":961.855,"end":966.27496,"sentiment":"neutral","sentiment_score":0.025210285559296608},{"text":"So gross, $4,718.","start":972.54004,"end":975.68005,"sentiment":"neutral","sentiment_score":0.00997760302076737},{"text":"Yep.","start":980.54004,"end":981.04004,"sentiment":"neutral","sentiment_score":0.0346560999751091},{"text":"Yeah.","start":984.505,"end":985.005,"sentiment":"neutral","sentiment_score":0.024258967489004135}],"sentiment":"neutral","sentiment_score":0.007963375252639425,"num_words":29,"start":951.07,"end":985.005},{"sentences":[{"text":"Hon well, I've got, like, a it's 123.","start":985.705,"end":989.725,"sentiment":"neutral","sentiment_score":0.15415976010262966},{"text":"I'm currently listed as a 113 because I've got, salary sacrifice and superannuation in the car.","start":990.185,"end":997.325,"sentiment":"neutral","sentiment_score":0.05051930854097009},{"text":"So I end up with about just under 2,600 per fortnight in my pay because of tax and the $500 in child support.","start":1001.17004,"end":1011.51,"sentiment":"neutral","sentiment_score":0.13633949892676395},{"text":"Yeah.","start":1018.885,"end":1019.205,"sentiment":"neutral","sentiment_score":0.07956574857234955},{"text":"Ren yep.","start":1019.205,"end":1021.235,"sentiment":"neutral","sentiment_score":0.029591231606900692}],"sentiment":"neutral","sentiment_score":0.10632287409156561,"num_words":50,"start":985.705,"end":1021.235},{"sentences":[{"text":"Yep.","start":1031.1,"end":1031.42,"sentiment":"neutral","sentiment_score":-0.014265509322285652},{"text":"So payout figure, I did the figures on that.","start":1031.42,"end":1034.58,"sentiment":"neutral","sentiment_score":-0.1207639111412896},{"text":"I don't have them right in front of me.","start":1034.58,"end":1036.78,"sentiment":"neutral","sentiment_score":-0.2898709128300349},{"text":"It was about just over 6,000 to pay that.","start":1036.78,"end":1040.145,"sentiment":"neutral","sentiment_score":-0.19705659647782645},{"text":"Yep.","start":1055.8,"end":1056.3,"sentiment":"neutral","sentiment_score":0.034445278346538544}],"sentiment":"neutral","sentiment_score":-0.18789803500062432,"num_words":29,"start":1031.1,"end":1056.3},{"sentences":[{"text":"Yes.","start":1068.76,"end":1069.26,"sentiment":"neutral","sentiment_score":0.22681275010108948},{"text":"Yep.","start":1083.27,"end":1083.77,"sentiment":"neutral","sentiment_score":0.15829601883888245},{"text":"Yep.","start":1085.5901,"end":1086.0901,"sentiment":"neutral","sentiment_score":0.14479687809944153},{"text":"Oh.","start":1112.75,"end":1113.25,"sentiment":"neutral","sentiment_score":0.024676578119397163},{"text":"Mhmm.","start":1129.425,"end":1129.925,"sentiment":"neutral","sentiment_score":0.09406910836696623}],"sentiment":"neutral","sentiment_score":0.12973026670515536,"num_words":5,"start":1068.76,"end":1129.925},{"sentences":[{"text":"Yep.","start":1141.58,"end":1142.08,"sentiment":"neutral","sentiment_score":0.11988845467567444},{"text":"Not.","start":1147.98,"end":1148.48,"sentiment":"neutral","sentiment_score":-0.13336913287639618},{"text":"None.","start":1158.9451,"end":1159.4451,"sentiment":"neutral","sentiment_score":-0.05740375071763992},{"text":"Yep.","start":1162.145,"end":1162.645,"sentiment":"neutral","sentiment_score":0.031691357493400574},{"text":"Yep.","start":1164.625,"end":1165.125,"sentiment":"neutral","sentiment_score":0.09643633663654327}],"sentiment":"neutral","sentiment_score":0.011448653042316436,"num_words":5,"start":1141.58,"end":1165.125},{"sentences":[{"text":"Yep.","start":1191.385,"end":1191.885,"sentiment":"neutral","sentiment_score":-0.019843827933073044},{"text":"Well and I don't think today is is a problem because I'll I'll have two weeks of annual leave that I'll be as my termination pay.","start":1221.885,"end":1231.28,"sentiment":"neutral","sentiment_score":-0.2582713202215158},{"text":"So as well as whatever, you know, works.","start":1233.1799,"end":1237.995,"sentiment":"neutral","sentiment_score":0.2009528148919344},{"text":"So I I don't it's only $6 we're talking about.","start":1237.995,"end":1240.715,"sentiment":"neutral","sentiment_score":-0.06661643721163273},{"text":"So I don't think it's sixty days is a problem or thirty days is a problem.","start":1240.715,"end":1245.295,"sentiment":"negative","sentiment_score":-0.3453669883310795}],"sentiment":"neutral","sentiment_score":-0.18556248885197718,"num_words":61,"start":1191.385,"end":1245.295},{"sentences":[{"text":"But yeah.","start":1247.915,"end":1249.3049,"sentiment":"neutral","sentiment_score":-0.09241633117198944},{"text":"Say that again, please?","start":1279.035,"end":1280.01,"sentiment":"neutral","sentiment_score":0.012822946067899466},{"text":"What?","start":1280.01,"end":1280.51,"sentiment":"neutral","sentiment_score":-0.08703925460577011},{"text":"Yeah.","start":1283.45,"end":1283.95,"sentiment":"neutral","sentiment_score":0.09523893147706984},{"text":"Mention?","start":1288.17,"end":1288.67,"sentiment":"neutral","sentiment_score":0.06728202104568481}],"sentiment":"neutral","sentiment_score":-0.0064510200172662735,"num_words":9,"start":1247.915,"end":1288.67},{"sentences":[{"text":"Mhmm.","start":1291.53,"end":1292.03,"sentiment":"neutral","sentiment_score":0.05962074548006058},{"text":"Yep.","start":1363.4049,"end":1363.83,"sentiment":"neutral","sentiment_score":0.1445130705833435},{"text":"Okay.","start":1366.39,"end":1366.7899,"sentiment":"neutral","sentiment_score":0.08481927216053009},{"text":"Well, so so okay.","start":1366.7899,"end":1369.35,"sentiment":"neutral","sentiment_score":0.1121402196586132},{"text":"So let me just see if I got this in my words.","start":1369.35,"end":1371.5299,"sentiment":"neutral","sentiment_score":0.06789535097777843}],"sentiment":"neutral","sentiment_score":0.08169779887324885,"num_words":19,"start":1291.53,"end":1371.5299},{"sentences":[{"text":"Because I on this of the understanding that you had to take it all or not.","start":1372.3099,"end":1376.71,"sentiment":"neutral","sentiment_score":-0.07578397868201137},{"text":"All or nothing?","start":1376.71,"end":1377.61,"sentiment":"neutral","sentiment_score":-0.06304111455877622},{"text":"Or or the But, yeah, you either had to do the income stream or you had to take the entire lump sum.","start":1379.2649,"end":1384.065,"sentiment":"neutral","sentiment_score":-0.07654621350494298},{"text":"So what you're saying is now we can do a a twelve month lump 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$11.70 a fortnight, which I think from memory is about 30,000 a year.","start":1432.275,"end":1436.775,"sentiment":"neutral","sentiment_score":0.05257274689418929},{"text":"Yep.","start":1445.37,"end":1445.87,"sentiment":"neutral","sentiment_score":0.09494982659816742},{"text":"Yeah.","start":1472.6,"end":1473.1,"sentiment":"neutral","sentiment_score":0.04103457555174827},{"text":"Okay.","start":1490.915,"end":1491.395,"sentiment":"neutral","sentiment_score":0.03193432837724686}],"sentiment":"neutral","sentiment_score":0.05394027940928936,"num_words":18,"start":1431.475,"end":1491.395},{"sentences":[{"text":"Okay.","start":1491.395,"end":1491.7151,"sentiment":"neutral","sentiment_score":0.02444545179605484},{"text":"So could could I okay.","start":1491.7151,"end":1493.415,"sentiment":"neutral","sentiment_score":0.02485778257250786},{"text":"Could I just do a draw down?","start":1494.515,"end":1496.535,"sentiment":"neutral","sentiment_score":0.02604900673031807},{"text":"Just get enough draw it in that to cover the eighteen months, which is to the end of Charles Charles abort.","start":1507.02,"end":1513.1749,"sentiment":"neutral","sentiment_score":-0.024330443214802516},{"text":"No.","start":1547.655,"end":1548.155,"sentiment":"neutral","sentiment_score":-0.05513099581003189}],"sentiment":"neutral","sentiment_score":-0.006714082615716117,"num_words":35,"start":1491.395,"end":1548.155},{"sentences":[{"text":"No.","start":1566.1699,"end":1566.41,"sentiment":"neutral","sentiment_score":0.03415453061461449},{"text":"It's I think I've seen it go probably $10,000 in in the last three months increase.","start":1566.41,"end":1572.945,"sentiment":"neutral","sentiment_score":0.18074780842289329},{"text":"So that's why it sort of It's working.","start":1572.945,"end":1575.365,"sentiment":"neutral","sentiment_score":0.186039543710649},{"text":"Working very well for us.","start":1575.505,"end":1576.725,"sentiment":"positive","sentiment_score":0.7305639624595642},{"text":"Yep.","start":1615.93,"end":1616.17,"sentiment":"neutral","sentiment_score":0.07484276592731476}],"sentiment":"neutral","sentiment_score":0.2626483352674592,"num_words":31,"start":1566.1699,"end":1616.17},{"sentences":[{"text":"Sure.","start":1616.17,"end":1616.5701,"sentiment":"neutral","sentiment_score":0.0738029032945633},{"text":"And that and so that 60,000 is not seen as an income stream that the the child support's going to assess?","start":1616.5701,"end":1623.23,"sentiment":"neutral","sentiment_score":0.01036079041659832},{"text":"Right.","start":1629.1849,"end":1629.6849,"sentiment":"neutral","sentiment_score":0.014832234010100365},{"text":"Right.","start":1630.225,"end":1630.725,"sentiment":"neutral","sentiment_score":0.020953278988599777},{"text":"But yeah.","start":1631.5049,"end":1632.325,"sentiment":"neutral","sentiment_score":0.025576281361281872}],"sentiment":"neutral","sentiment_score":0.014550676067861227,"num_words":26,"start":1616.17,"end":1632.325},{"sentences":[{"text":"Okay.","start":1632.625,"end":1633.105,"sentiment":"neutral","sentiment_score":0.024558434262871746},{"text":"I hadn't ordered yep.","start":1633.105,"end":1638.39,"sentiment":"neutral","sentiment_score":-0.003139706794172525},{"text":"That's yes.","start":1640.79,"end":1642.89,"sentiment":"neutral","sentiment_score":0.05214801803231239},{"text":"But if it's a lump sum, then it's not touched.","start":1642.9501,"end":1645.91,"sentiment":"neutral","sentiment_score":0.0639713604003191},{"text":"Okay.","start":1645.91,"end":1646.31,"sentiment":"neutral","sentiment_score":0.08974191546440125}],"sentiment":"neutral","sentiment_score":0.04698617570102215,"num_words":18,"start":1632.625,"end":1646.31},{"sentences":[{"text":"Okay.","start":1646.31,"end":1646.55,"sentiment":"neutral","sentiment_score":0.11226129531860352},{"text":"And so we can we can literally or I can literally take a lump sum, you know, whenever I like.","start":1646.55,"end":1652.9651,"sentiment":"neutral","sentiment_score":0.1630032930523157},{"text":"I don't have to take the whole lot in one go.","start":1652.9651,"end":1655.145,"sentiment":"neutral","sentiment_score":0.1281093047423796},{"text":"Is there a limit or is there a limit to how much of a lump sum you can take at a time if you're not taking the whole lot?","start":1659.765,"end":1666.11,"sentiment":"neutral","sentiment_score":-0.022009264292388128},{"text":"Yeah.","start":1666.59,"end":1666.83,"sentiment":"neutral","sentiment_score":-0.01216806098818779}],"sentiment":"neutral","sentiment_score":0.06663052875909113,"num_words":62,"start":1646.31,"end":1666.83},{"sentences":[{"text":"Or or a a minimum limit minimum?","start":1666.83,"end":1668.75,"sentiment":"neutral","sentiment_score":-0.02893661627812045},{"text":"Do you know what I mean?","start":1668.75,"end":1669.73,"sentiment":"neutral","sentiment_score":-0.03999175069232782},{"text":"Is there a minimum or a maximum that you can take as a lump sum?","start":1671.47,"end":1674.45,"sentiment":"neutral","sentiment_score":-0.025633344737191994},{"text":"Okay.","start":1688.425,"end":1688.905,"sentiment":"neutral","sentiment_score":0.03951413556933403},{"text":"So because I am thinking of what I'm what the the plan is to finish up Friday the thirty first as a full time teacher.","start":1688.905,"end":1697.44,"sentiment":"neutral","sentiment_score":0.11798926860094071}],"sentiment":"neutral","sentiment_score":0.04004146039692892,"num_words":54,"start":1666.83,"end":1697.44},{"sentences":[{"text":"And then Tuesday, which would be the first, second, third, fourth of August, start back as a groundsman.","start":1697.44,"end":1706.0199,"sentiment":"neutral","sentiment_score":0.07465114237533675},{"text":"Does that quite the problem?","start":1707.5199,"end":1708.72,"sentiment":"neutral","sentiment_score":-0.10378857180476189},{"text":"Does 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that.","start":1733.91,"end":1738.15,"sentiment":"neutral","sentiment_score":-0.12368969116359949},{"text":"Right.","start":1738.15,"end":1738.65,"sentiment":"neutral","sentiment_score":-0.04795066267251968}],"sentiment":"neutral","sentiment_score":-0.11160035881524284,"num_words":24,"start":1728.7101,"end":1738.65},{"sentences":[{"text":"Yep.","start":1745.615,"end":1746.115,"sentiment":"neutral","sentiment_score":0.3050529956817627},{"text":"Okay.","start":1749.935,"end":1750.415,"sentiment":"neutral","sentiment_score":0.11423063278198242},{"text":"Okay.","start":1750.415,"end":1750.8151,"sentiment":"neutral","sentiment_score":0.09431904554367064},{"text":"Okay.","start":1750.8151,"end":1751.2151,"sentiment":"neutral","sentiment_score":0.09540899097919464},{"text":"Well, I'm sure we could talk to a a prospective employer and say, hey.","start":1751.2151,"end":1754.76,"sentiment":"neutral","sentiment_score":0.10809072266731944}],"sentiment":"neutral","sentiment_score":0.1179045434627268,"num_words":18,"start":1745.615,"end":1754.76},{"sentences":[{"text":"Can we just Or you can just finish up a week earlier.","start":1754.92,"end":1758.4401,"sentiment":"neutral","sentiment_score":0.07167680064837138},{"text":"Alright.","start":1758.4401,"end":1758.52,"sentiment":"neutral","sentiment_score":0.10518866777420044},{"text":"Yeah.","start":1758.52,"end":1758.68,"sentiment":"neutral","sentiment_score":0.06526482105255127},{"text":"Well, I don't know if I can.","start":1758.68,"end":1759.48,"sentiment":"neutral","sentiment_score":-0.05716824957302639},{"text":"I know you can.","start":1759.48,"end":1760.12,"sentiment":"neutral","sentiment_score":0.052818397991359234}],"sentiment":"neutral","sentiment_score":0.03366683766245842,"num_words":25,"start":1754.92,"end":1760.12},{"sentences":[{"text":"Maybe you can.","start":1760.12,"end":1760.68,"sentiment":"neutral","sentiment_score":0.09014272689819336},{"text":"Maybe you can.","start":1760.68,"end":1761.16,"sentiment":"neutral","sentiment_score":0.0815613220135371},{"text":"Alright.","start":1761.16,"end":1761.56,"sentiment":"neutral","sentiment_score":0.1043347269296646},{"text":"Well, we'll be looking at that.","start":1761.56,"end":1762.52,"sentiment":"neutral","sentiment_score":0.09676445027192433},{"text":"So yeah.","start":1762.52,"end":1763.48,"sentiment":"neutral","sentiment_score":0.14035795629024506}],"sentiment":"neutral","sentiment_score":0.09871663252512614,"num_words":15,"start":1760.12,"end":1763.48},{"sentences":[{"text":"That's another option.","start":1763.48,"end":1765.9,"sentiment":"neutral","sentiment_score":0.12201024095217387},{"text":"And so so, basically, I only need to be unemployed slash retired for the period at at which I am submitting this piece of paperwork.","start":1766.04,"end":1774.425,"sentiment":"neutral","sentiment_score":-0.03750520572066307},{"text":"It it doesn't mean I have to wait until they give me a response or I get the money.","start":1775.605,"end":1780.985,"sentiment":"neutral","sentiment_score":-0.09221058593768823},{"text":"Is that how that work?","start":1782.4701,"end":1792.4701,"sentiment":"neutral","sentiment_score":-0.049930790439248085},{"text":"No.","start":1792.4701,"end":1792.63,"sentiment":"neutral","sentiment_score":-0.3151860237121582}],"sentiment":"neutral","sentiment_score":-0.0544988779034817,"num_words":53,"start":1763.48,"end":1792.63},{"sentences":[{"text":"No.","start":1792.63,"end":1792.79,"sentiment":"negative","sentiment_score":-0.3345274329185486},{"text":"No.","start":1792.79,"end":1792.9501,"sentiment":"negative","sentiment_score":-0.4060735702514648},{"text":"Is that yep.","start":1792.9501,"end":1795.11,"sentiment":"neutral","sentiment_score":-0.23110137631495795},{"text":"It has to be from accumulation.","start":1795.11,"end":1796.41,"sentiment":"neutral","sentiment_score":-0.07907337757448356},{"text":"Yep.","start":1796.63,"end":1797.03,"sentiment":"neutral","sentiment_score":0.040529973804950714}],"sentiment":"neutral","sentiment_score":-0.15565128531306982,"num_words":12,"start":1792.63,"end":1797.03},{"sentences":[{"text":"Yep.","start":1797.03,"end":1797.375,"sentiment":"neutral","sentiment_score":0.06384393572807312},{"text":"Yeah.","start":1797.535,"end":1797.775,"sentiment":"neutral","sentiment_score":0.09215009212493896},{"text":"We've we've been told if if I put it into my my personal account and, like, if I take a hundred days and I put it in my personal account, then any interest it earns is then accessible for child support.","start":1797.775,"end":1812.275,"sentiment":"neutral","sentiment_score":0.13850448226056447},{"text":"But yeah.","start":1815.23,"end":1819.73,"sentiment":"neutral","sentiment_score":-0.09065643697977066},{"text":"Well, the easy thing is, you know, Lucy and and she looks after me.","start":1823.71,"end":1827.79,"sentiment":"neutral","sentiment_score":0.19244098663330078}],"sentiment":"neutral","sentiment_score":0.14148370744818348,"num_words":59,"start":1797.03,"end":1827.79},{"sentences":[{"text":"My name.","start":1827.95,"end":1828.43,"sentiment":"neutral","sentiment_score":0.3019317388534546},{"text":"And hopefully, doesn't go on a world trip without me.","start":1828.43,"end":1830.585,"sentiment":"neutral","sentiment_score":0.20121191143989564},{"text":"How old am I?","start":1836.085,"end":1836.885,"sentiment":"neutral","sentiment_score":0.008527550380676985},{"text":"I'm 60.","start":1836.885,"end":1837.545,"sentiment":"neutral","sentiment_score":0.054077427834272385},{"text":"So we're both 60 this Yeah.","start":1838.485,"end":1840.245,"sentiment":"neutral","sentiment_score":0.1869223192334175}],"sentiment":"neutral","sentiment_score":0.1616575651957343,"num_words":24,"start":1827.95,"end":1840.245},{"sentences":[{"text":"So I I've got a a transition to retirement account.","start":1840.245,"end":1842.8999,"sentiment":"neutral","sentiment_score":0.19628336429595947},{"text":"I work three days a week, but I've got a a transition fund set up to supplement my income to day old.","start":1842.8999,"end":1849.88,"sentiment":"neutral","sentiment_score":0.1759448688138615},{"text":"Yep.","start":1850.5,"end":1851.0,"sentiment":"neutral","sentiment_score":0.10074074566364288},{"text":"So I've Yep.","start":1851.22,"end":1856.845,"sentiment":"neutral","sentiment_score":0.11148287355899811},{"text":"Yep.","start":1861.9451,"end":1862.4451,"sentiment":"neutral","sentiment_score":0.13208584487438202}],"sentiment":"neutral","sentiment_score":0.1729971883264748,"num_words":37,"start":1840.245,"end":1862.4451},{"sentences":[{"text":"Yep.","start":1871.68,"end":1872.18,"sentiment":"neutral","sentiment_score":0.0973161906003952},{"text":"Yep.","start":1887.635,"end":1888.135,"sentiment":"neutral","sentiment_score":-0.03038401715457439},{"text":"Yes.","start":1910.8301,"end":1910.99,"sentiment":"neutral","sentiment_score":-0.06099068373441696},{"text":"No.","start":1910.99,"end":1911.15,"sentiment":"neutral","sentiment_score":-0.21103084087371823},{"text":"They haven't Yep.","start":1911.15,"end":1912.61,"sentiment":"neutral","sentiment_score":-0.18952323496341705}],"sentiment":"neutral","sentiment_score":-0.11052272229322366,"num_words":7,"start":1871.68,"end":1912.61},{"sentences":[{"text":"No.","start":1916.6951,"end":1916.935,"sentiment":"neutral","sentiment_score":-0.30206233263015747},{"text":"I don't.","start":1916.935,"end":1917.5951,"sentiment":"neutral","sentiment_score":-0.2951257824897766},{"text":"Oh, okay.","start":1918.535,"end":1920.6951,"sentiment":"neutral","sentiment_score":0.12203925475478172},{"text":"Yep.","start":1920.6951,"end":1921.1951,"sentiment":"neutral","sentiment_score":0.1839389055967331},{"text":"Yep.","start":1938.85,"end":1939.35,"sentiment":"neutral","sentiment_score":0.06704839318990707}],"sentiment":"neutral","sentiment_score":-0.05674972704478672,"num_words":7,"start":1916.6951,"end":1939.35},{"sentences":[{"text":"Yep.","start":1941.65,"end":1942.15,"sentiment":"neutral","sentiment_score":-0.0867118239402771},{"text":"Yes.","start":1972.08,"end":1972.185,"sentiment":"neutral","sentiment_score":0.06161448732018471},{"text":"Mhmm.","start":1986.3451,"end":1986.8451,"sentiment":"neutral","sentiment_score":0.015861665830016136},{"text":"Yep.","start":2012.245,"end":2012.4049,"sentiment":"neutral","sentiment_score":0.06645350903272629},{"text":"Yep.","start":2012.4049,"end":2012.885,"sentiment":"neutral","sentiment_score":0.07511720806360245}],"sentiment":"neutral","sentiment_score":0.026467009261250497,"num_words":5,"start":1941.65,"end":2012.885},{"sentences":[{"text":"Yeah.","start":2012.885,"end":2013.2849,"sentiment":"neutral","sentiment_score":0.08641029894351959},{"text":"Okay.","start":2013.2849,"end":2013.7849,"sentiment":"neutral","sentiment_score":0.07013663649559021},{"text":"Food to thought.","start":2014.1649,"end":2014.965,"sentiment":"neutral","sentiment_score":0.04956196869413058},{"text":"Yeah.","start":2014.965,"end":2015.365,"sentiment":"neutral","sentiment_score":0.048350267112255096},{"text":"Okay.","start":2015.365,"end":2015.865,"sentiment":"neutral","sentiment_score":-0.004519043955951929}],"sentiment":"neutral","sentiment_score":0.0498662949539721,"num_words":7,"start":2012.885,"end":2015.865},{"sentences":[{"text":"Yep.","start":2022.96,"end":2023.46,"sentiment":"neutral","sentiment_score":0.25837236642837524},{"text":"You're right.","start":2039.515,"end":2040.255,"sentiment":"neutral","sentiment_score":-0.014029072597622871},{"text":"Yep.","start":2055.345,"end":2055.845,"sentiment":"neutral","sentiment_score":-0.1365063488483429},{"text":"Okay.","start":2071.02,"end":2071.26,"sentiment":"neutral","sentiment_score":-0.06269313395023346},{"text":"Well, that's where you come in and yeah.","start":2071.26,"end":2073.1,"sentiment":"neutral","sentiment_score":-0.01802912587299943}],"sentiment":"neutral","sentiment_score":-0.008701405273034023,"num_words":13,"start":2022.96,"end":2073.1},{"sentences":[{"text":"We don't take it down more down.","start":2073.1,"end":2076.0,"sentiment":"neutral","sentiment_score":-0.18952649299587523},{"text":"Brainpower.","start":2076.54,"end":2077.04,"sentiment":"neutral","sentiment_score":-0.04269067198038101},{"text":"Yep.","start":2079.98,"end":2080.48,"sentiment":"neutral","sentiment_score":0.08711019158363342},{"text":"Not.","start":2136.09,"end":2136.59,"sentiment":"neutral","sentiment_score":-0.02941866964101791},{"text":"Okay.","start":2142.275,"end":2142.775,"sentiment":"neutral","sentiment_score":0.1574173867702484}],"sentiment":"neutral","sentiment_score":-0.10493338311260397,"num_words":11,"start":2073.1,"end":2142.775},{"sentences":[{"text":"Okay.","start":2154.77,"end":2155.27,"sentiment":"neutral","sentiment_score":0.2490915060043335},{"text":"Okay.","start":2155.81,"end":2156.31,"sentiment":"neutral","sentiment_score":0.2441757768392563},{"text":"Alright.","start":2157.09,"end":2157.59,"sentiment":"neutral","sentiment_score":0.3201713562011719},{"text":"So if we wanted to take that next step and get you to to go down that track and do all that sort of stuff, what sort of fees are we looking at?","start":2157.73,"end":2166.1501,"sentiment":"positive","sentiment_score":0.3473843728954142},{"text":"Right.","start":2175.205,"end":2175.705,"sentiment":"positive","sentiment_score":0.5634626150131226}],"sentiment":"positive","sentiment_score":0.3470428529623392,"num_words":37,"start":2154.77,"end":2175.705},{"sentences":[{"text":"Okay.","start":2187.3801,"end":2187.8801,"sentiment":"neutral","sentiment_score":0.21901896595954895},{"text":"Mhmm.","start":2197.035,"end":2197.535,"sentiment":"neutral","sentiment_score":0.2523825168609619},{"text":"Mhmm.","start":2211.4,"end":2211.9,"sentiment":"neutral","sentiment_score":0.15106654167175293},{"text":"Yep.","start":2244.17,"end":2244.67,"sentiment":"neutral","sentiment_score":0.13241350650787354},{"text":"Okay.","start":2256.2551,"end":2256.7551,"sentiment":"neutral","sentiment_score":-0.014004532247781754}],"sentiment":"neutral","sentiment_score":0.14817539975047112,"num_words":5,"start":2187.3801,"end":2256.7551},{"sentences":[{"text":"Okay.","start":2259.215,"end":2259.715,"sentiment":"neutral","sentiment_score":-0.039904966950416565},{"text":"Yep.","start":2292.405,"end":2292.78,"sentiment":"neutral","sentiment_score":0.2626701295375824},{"text":"Yes.","start":2307.58,"end":2308.08,"sentiment":"neutral","sentiment_score":0.3019776940345764},{"text":"Yes.","start":2324.75,"end":2325.25,"sentiment":"neutral","sentiment_score":0.1708153784275055},{"text":"Yep.","start":2351.52,"end":2352.0,"sentiment":"neutral","sentiment_score":0.008937006816267967}],"sentiment":"neutral","sentiment_score":0.14089904837310313,"num_words":5,"start":2259.215,"end":2352.0},{"sentences":[{"text":"Okay.","start":2352.0,"end":2352.4001,"sentiment":"neutral","sentiment_score":-0.04915020242333412},{"text":"Well, I was saying but well, there's probably some more thinking we obviously gotta do about that.","start":2352.4001,"end":2357.06,"sentiment":"negative","sentiment_score":-0.34414011152351603},{"text":"Mhmm.","start":2357.2,"end":2357.7,"sentiment":"neutral","sentiment_score":-0.07902626693248749},{"text":"But Yep.","start":2358.24,"end":2360.92,"sentiment":"neutral","sentiment_score":-0.06178278848528862},{"text":"Something to think about.","start":2361.12,"end":2362.26,"sentiment":"neutral","sentiment_score":-0.0752789443358779}],"sentiment":"neutral","sentiment_score":-0.2561295887827873,"num_words":25,"start":2352.0,"end":2362.26},{"sentences":[{"text":"Yep.","start":2374.845,"end":2375.345,"sentiment":"neutral","sentiment_score":-0.019553251564502716},{"text":"No.","start":2380.5,"end":2381.0,"sentiment":"neutral","sentiment_score":-0.3214273452758789},{"text":"Yep.","start":2419.3599,"end":2419.52,"sentiment":"neutral","sentiment_score":0.28058719635009766},{"text":"Yep.","start":2419.52,"end":2420.02,"sentiment":"neutral","sentiment_score":0.2997939884662628},{"text":"Yep.","start":2457.405,"end":2457.905,"sentiment":"neutral","sentiment_score":0.22629407048225403}],"sentiment":"neutral","sentiment_score":0.09313893169164658,"num_words":5,"start":2374.845,"end":2457.905},{"sentences":[{"text":"Yep.","start":2461.245,"end":2461.745,"sentiment":"neutral","sentiment_score":0.0967550128698349},{"text":"Yeah.","start":2461.885,"end":2462.2852,"sentiment":"neutral","sentiment_score":0.11333326995372772},{"text":"Yeah.","start":2462.2852,"end":2462.6052,"sentiment":"neutral","sentiment_score":0.1277516782283783},{"text":"That's true.","start":2462.6052,"end":2463.3452,"sentiment":"neutral","sentiment_score":0.14733199030160904},{"text":"Alright.","start":2463.405,"end":2463.885,"sentiment":"neutral","sentiment_score":0.14235875010490415}],"sentiment":"neutral","sentiment_score":0.12914378196001053,"num_words":6,"start":2461.245,"end":2463.885},{"sentences":[{"text":"Okay.","start":2463.885,"end":2464.385,"sentiment":"neutral","sentiment_score":0.11259478330612184},{"text":"Alright.","start":2464.5251,"end":2465.0251,"sentiment":"neutral","sentiment_score":0.11549383401870728},{"text":"Well, my brain's probably full at this point.","start":2466.4602,"end":2468.1401,"sentiment":"neutral","sentiment_score":-0.0520601780153811},{"text":"Yeah.","start":2468.1401,"end":2468.6401,"sentiment":"neutral","sentiment_score":0.03694506362080574},{"text":"Yeah.","start":2468.86,"end":2469.1,"sentiment":"neutral","sentiment_score":0.06454404443502426}],"sentiment":"neutral","sentiment_score":-0.00724197489519914,"num_words":12,"start":2463.885,"end":2469.1},{"sentences":[{"text":"I'm just gonna so now you've you've I guess it all now.","start":2469.1,"end":2472.62,"sentiment":"neutral","sentiment_score":0.14631962465743223},{"text":"You've definitely give it some some things we didn't know about, some other options, which is interesting.","start":2472.62,"end":2478.4001,"sentiment":"neutral","sentiment_score":0.20265241580850937},{"text":"So whether that's going to be beneficial Yep.","start":2478.62,"end":2483.115,"sentiment":"neutral","sentiment_score":0.25834283605217934},{"text":"For okay.","start":2485.2449,"end":2491.515,"sentiment":"neutral","sentiment_score":0.06648499611765146},{"text":"Yep.","start":2495.83,"end":2496.33,"sentiment":"neutral","sentiment_score":0.15896187722682953}],"sentiment":"neutral","sentiment_score":0.18899002806283532,"num_words":40,"start":2469.1,"end":2496.33},{"sentences":[{"text":"Yep.","start":2508.095,"end":2508.595,"sentiment":"neutral","sentiment_score":0.1754535734653473},{"text":"Yep.","start":2518.1648,"end":2518.4148,"sentiment":"neutral","sentiment_score":0.100162073969841},{"text":"Yeah.","start":2518.4148,"end":2518.9148,"sentiment":"neutral","sentiment_score":0.1335226744413376},{"text":"Yeah.","start":2521.9348,"end":2522.4348,"sentiment":"neutral","sentiment_score":0.0415065698325634},{"text":"Okay.","start":2539.155,"end":2539.655,"sentiment":"neutral","sentiment_score":0.22328174114227295}],"sentiment":"neutral","sentiment_score":0.13478532657027245,"num_words":5,"start":2508.095,"end":2539.655},{"sentences":[{"text":"Alright.","start":2543.7952,"end":2544.2952,"sentiment":"neutral","sentiment_score":0.20943789184093475},{"text":"Okay.","start":2544.5151,"end":2545.0151,"sentiment":"neutral","sentiment_score":0.1204751580953598},{"text":"No.","start":2545.635,"end":2545.7952,"sentiment":"neutral","sentiment_score":0.03152932599186897},{"text":"That that's good.","start":2545.7952,"end":2546.675,"sentiment":"neutral","sentiment_score":0.2736913462479909},{"text":"Yeah.","start":2546.675,"end":2547.175,"sentiment":"neutral","sentiment_score":0.2589167058467865}],"sentiment":"neutral","sentiment_score":0.20591901721698896,"num_words":7,"start":2543.7952,"end":2547.175},{"sentences":[{"text":"Certainly give us given us some more things to think about Yep.","start":2547.3152,"end":2549.875,"sentiment":"neutral","sentiment_score":0.2131954071422418},{"text":"We weren't aware of.","start":2550.0352,"end":2550.915,"sentiment":"neutral","sentiment_score":0.015068935230374336},{"text":"So yeah.","start":2550.915,"end":2551.235,"sentiment":"neutral","sentiment_score":0.12051926180720329},{"text":"Yes.","start":2551.235,"end":2551.475,"sentiment":"neutral","sentiment_score":0.16240617632865906},{"text":"Definitely.","start":2551.475,"end":2551.975,"sentiment":"positive","sentiment_score":0.3578818440437317}],"sentiment":"neutral","sentiment_score":0.1689973585307598,"num_words":20,"start":2547.3152,"end":2551.975},{"sentences":[{"text":"Wonderful.","start":2552.75,"end":2553.15,"sentiment":"positive","sentiment_score":0.6761234402656555},{"text":"We will that.","start":2553.15,"end":2556.0098,"sentiment":"positive","sentiment_score":0.5195621450742086},{"text":"Yep.","start":2556.2966,"end":2556.7966,"sentiment":"neutral","sentiment_score":0.17179259657859802},{"text":"Yep.","start":2557.0833,"end":2557.5833,"sentiment":"neutral","sentiment_score":0.08999168872833252},{"text":"Yep.","start":2557.8699,"end":2558.3699,"sentiment":"neutral","sentiment_score":0.04052375257015228}],"sentiment":"positive","sentiment_score":0.362445416195052,"num_words":7,"start":2552.75,"end":2558.3699},{"sentences":[{"text":"Alright.","start":2563.95,"end":2564.27,"sentiment":"neutral","sentiment_score":0.24219195544719696},{"text":"Alright.","start":2564.27,"end":2564.51,"sentiment":"positive","sentiment_score":0.3361166715621948},{"text":"Thank you very much.","start":2564.51,"end":2565.31,"sentiment":"positive","sentiment_score":0.7569150328636169},{"text":"Thank thank you for your time.","start":2565.31,"end":2566.8499,"sentiment":"positive","sentiment_score":0.753677894671758},{"text":"Thank you.","start":2573.085,"end":2573.7449,"sentiment":"positive","sentiment_score":0.6932601928710938}],"sentiment":"positive","sentiment_score":0.6796111794454711,"num_words":14,"start":2563.95,"end":2573.7449},{"sentences":[{"text":"Okay.","start":2573.805,"end":2574.305,"sentiment":"positive","sentiment_score":0.3570901155471802},{"text":"Bye bye.","start":2574.605,"end":2575.345,"sentiment":"neutral","sentiment_score":0.2712589204311371}],"sentiment":"neutral","sentiment_score":0.29986931880315143,"num_words":3,"start":2573.805,"end":2575.345}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Steven.\n\nChannel 0: Hi, Steven. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. Thank you. Lucy is here with me. Hello?\n\nChannel 0: Oh, hi. How are you going?\n\nChannel 1: Hey. Good. Thanks,\n\nChannel 0: That's good. I really do apologize that I was unavailable last week. I it's taken me a little bit to get back on my feet, but I'm back up and running. Perfect. Now, obviously, Nathan sent your details through to us following, you know, conversations with him.\n\nChannel 1: Yep.\n\nChannel 0: And I guess the way that I would normally conduct our meetings is to, I guess, find out first and foremost what and the reason, I guess, why you're wanting to seek financial advice so we can start digging into things from there.\n\nChannel 1: Sure. So I turned 60 a couple of weeks ago\n\nChannel 0: Oh, congratulations.\n\nChannel 1: and and our thank you. Our plan was to pay out the mortgage so that I could cut back the the amount of work. I work as a high school teacher.\n\nChannel 0: Yep.\n\nChannel 1: And I rang Nathan to say, hey. You know, how do I go about, you know, rearranging the mortgage sort of thing? And he said, well, maybe you should talk to a financial adviser because maybe it's better off instead of taking my my super app. So I've got about 437,000 in super and our\n\nChannel 0: Mhmm.\n\nChannel 1: more it's 397,000. He said,\n\nChannel 0: Yes.\n\nChannel 1: you know, the the amount of interest you're paying on the mortgage might be less than the amount of interest you're making on on the super. So you might even be better off just getting an income stream and using the income stream to pay out the the fortnightly repayments because the super will increase still over the next five years back.\n\nChannel 0: Absolutely. Yep.\n\nChannel 1: So the problem though few problems here, little flies in the ointment as they say. I have one one 16 year old daughter who I have another year and a half of paying child support for, which I don't\n\nChannel 0: Mhmm.\n\nChannel 1: mind. But I don't yeah. Okay. So the the bottom line is if we pay out the mortgage and I and I keep 10,000 in there to keep the superannuation going, keep some money in the mortgage so we actually have, like, a redraw. If I do the the other option, which is the income stream, you might be aware of this, child support review views income streams as an income.\n\nGotcha.\n\nChannel 0: Mhmm.\n\nChannel 1: And so, basically, what I'm gonna do is work a permanent part time job as a groundsman, which I just absolutely love the idea of, and and do one day teacher relief. And that's enough to pay our bills and give me some spending money and just relax. We we like our lifestyle out here at Kilcoy.\n\nChannel 0: Yeah.\n\nChannel 1: If I try to do the income stream, I would need to take out the whole well, I'd need to take out enough to be able to pay the the the about 1,200 per fortnight payments. But the moment I do that, child support says, well, that's an income. So we're going to increase your child support payments, which means then I have to take it more than the 1,200 I need. I've now gotta take it at the maximum. Well, I put in my calculations.\n\nSo I get the maximum, which is about 1,600 a fortnight. That's the most I can get. And it doesn't actually leave me enough money to to continue to live on, you know, reasonably. That's the problem.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: yeah. I don't honestly, I don't know if there's much advice you can give us because from what I can say, there's there's there's just no option. If I try and do the income stream, I'm just gonna I get further behind. It's crazy.\n\nChannel 0: Yeah. The because of the child support.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: I'm assuming we don't have a a private arrangement. We it's it's all through physically through child support.\n\nChannel 1: No. Look. It's it's been this this year has been a real, I don't know, kick in the teeth. Got a message from child support back in early February saying, hey. There's been a change of care, and your child support payments are gonna go from 500 a fortnight to 800 a fortnight.\n\nIt's quite the bills. Well, no. I didn't get to that. Really. So they I said, oh, well, I'll I'll come up with an arrangement.\n\nSo I talked to my daughter, and she was happy to come out so we we can do the the minimum fifty two nights that kept it at five hundred a fortnight.\n\nChannel 0: Yep.\n\nChannel 1: My ex wife then decided that she would contact child support again and said, oh, this change of care started back in October 2024. So the short story is there was nothing I could do about that. So I had to pay $8,000 in arrears. If she hadn't mentioned something back in October 2024, I would have done what I did this time, which is talk to my daughter.\n\nChannel 0: Yes.\n\nChannel 1: So I spoke to her and said, look. Can we do a can we do a I I just can't afford to because what they were saying, Charlesworth was saying you need to pay I think they started off at $250 a week to pay it back. We just just go, I can't do that. They\n\nChannel 0: No.\n\nChannel 1: can we we can do it down to 200. I said I can't do that. And so they finally came down at 125. And and, basically, there would be a $180 a month fine or penalty for every month that I haven't paid off the total $8,000. So that would have come up to about 2,000 on top of the 8,000.\n\nNow\n\nChannel 0: Yep.\n\nChannel 1: they did say if you do the right thing and and keep making payments on time, we'll probably waive that penalty. But, you know, it took them three months to find the paperwork that I'd sent in saying that there was a change of care from February through this year. So I was paying the I was paying $700 a a fortnight until they figured that out and found my paperwork. So I don't trust Childscore at all.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's it.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Look. Some of the agencies are they're my favorite. Yeah. Okay.\n\nOkay. So Nathan's correct in what he's saying with respect to,\n\nChannel 1: Mhmm.\n\nChannel 0: like, the compounding interest on funds in the superannuation account versus income stream, like, with\n\nChannel 1: Yep.\n\nChannel 0: the income stream versus lump sum withdrawal.\n\nChannel 1: Yep.\n\nChannel 0: And you are very, very much correct when you say that income stream from the super fund can be considered for child support income purposes. So it it is very much, I guess, a catch 22 on that front. I'm I can definitely run figures on, like, what happens if and what happens if on both sides of the coin because that's ultimately what it's gonna come down to is, yes, you would have to, of course, draw more on your super fund. If you went with the income stream, it's not just gonna be to your your income needs. It's gonna extend beyond that.\n\nIt's gonna have to obviously cover the the child support arrangements. And I can I can do a cost comparison between if we were to you know, what that would do when and if you paid off the mortgage, what that saves you in interest and show you all the facts and figures as to how that that looks on both sides of the coin? And then, ultimately, I guess, it gives you the information to make an informed decision. Because currently,\n\nChannel 1: Yeah.\n\nChannel 0: you're looking at you you know what you're looking at. You know that you have a couple of different options, and they can all kinda play out the way they can play out. But I guess what is the actual outcome money\n\nChannel 1: Yeah.\n\nChannel 0: wise compounding versus interest say versus where where do all the facts live?\n\nChannel 1: Yeah. Another fact\n\nChannel 0: May\n\nChannel 1: that\n\nChannel 0: I\n\nChannel 1: we\n\nChannel 0: ask yes.\n\nChannel 1: yep.\n\nChannel 0: Of course. Sorry.\n\nChannel 1: I have two more years on a a novated lease on a vehicle. So which is currently coming out pretax and post tax. And\n\nChannel 0: Yep.\n\nChannel 1: I don't have the $6,000 to be able to pay it out tomorrow. So if I can't pay it out, then that's more money I have to put into the income stream, which I just can't I don't have. Like, the 400,000, I think I've got in the super, if I put that into a transition to retirement account, I'm allowed to take\n\nChannel 0: Yep.\n\nChannel 1: out 10%,\n\nChannel 0: Ten percent. Yep.\n\nChannel 1: which would be paid for 40,000. And then 40\n\nChannel 0: Yep.\n\nChannel 1: thousand per fortnight, I can't remember what that worked out to be, but Oh, no. About 15 I can't I did work that. $1,500. So We we we just can't say,\n\nChannel 0: Yep.\n\nChannel 1: basically, that that scenario would work Oh, yeah. And still be able to have any money to live on. Yeah. I had done I've actually done my own figures as well. I sat down and looked at, okay, well, I've had one day a week or two days a week or three three days a week as teacher relief\n\nChannel 0: Mhmm.\n\nChannel 1: or did the income stream. I've looked at, well, you know, at the different annual because you gotta we got, okay, this is what I'd be earning a fortnight, and this is the gross tax because child support has worked out price tax.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: Yeah. So I I've looked at all of that to get annual figures and how much the child support increases. And it's that child support that just does it again. Because the more\n\nChannel 0: Yes.\n\nChannel 1: I child support I have to pay, which is then means I think I worked out if I was doing one day a week, and I was getting $161,600 a fortnight. Yes. So if I'm looking at fortnightly fortnightly figures, if I was getting 1,600 from an income stream and working one day TRS and the the three days groundsman, it gives me a total income about 3,600. The tax on that is 276, But the the child support says, well, you know, your annual income is 93,000. So so\n\nChannel 0: That's\n\nChannel 1: it'll\n\nChannel 0: what\n\nChannel 1: be\n\nChannel 0: you're\n\nChannel 1: $3 a fortnight I'm paying in child support. It just the way I see it, I I I there might be a few dollars here here and there, but bottom\n\nChannel 0: Yeah.\n\nChannel 1: line is it's just too difficult. Unless my daughter\n\nChannel 0: Yeah.\n\nChannel 1: comes and lives or lives\n\nChannel 0: She said\n\nChannel 1: with us.\n\nChannel 0: does she feel like moving out to Kokoy or\n\nChannel 1: Probably. I I can't see it happening or what she does, Heather. I'll call her I'll call her my boyfriend. I don't like saying boyfriend. She's had no traction.\n\nShe has\n\nChannel 0: We\n\nChannel 1: no traction.\n\nChannel 0: we never do them.\n\nChannel 1: Yeah. But I I no. I see that she would come and live with us permanently until the end of that time. Well, she might do it, but it it'd be when she has a big a big fight with her mother. And, unfortunately,\n\nChannel 0: Yes.\n\nChannel 1: I'm decisions now. I can't wait for three months down the track.\n\nChannel 0: Yes. Okay. So timeline for you to quit work?\n\nChannel 1: I'm finishing up at the end of this month, July 31.\n\nChannel 0: Oh, okay. You've already set your timeline. Cool. That's fine.\n\nChannel 1: Oh, yeah. There's there's a job coming up as a groundsman in a small country, like a a Kilcoy State School, primary school, and\n\nChannel 0: Yep.\n\nChannel 1: it's it's right out in the in the country, in the rolling hills and cattle and and and it's just being a groundsman, which we've got six acres here. So I've I've been practicing for a year and a half now mowing mowing the six acres. So\n\nChannel 0: Less\n\nChannel 1: and it's\n\nChannel 0: stress.\n\nChannel 1: just so, yeah, no stress compared to teaching year eights and year nines.\n\nChannel 0: Hey.\n\nChannel 1: Anything.\n\nChannel 0: We don't judge you right from your nines. Otherwise, I'd have to look at my own children.\n\nChannel 1: I have to work with them. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I guess just the stress of of all of that, it's just gone up. Look, if I can if I can take a break and and enjoy the rest of my life, then then I I should do it. So that was my theory.\n\nChannel 0: Yeah. Okay. So $400,004.04 30, I think you said, owing on the mortgage.\n\nChannel 1: No. No. $3.09 $3.97\n\nChannel 0: Sorry. Right. $3.97.\n\nChannel 1: on the\n\nChannel 0: Sorry.\n\nChannel 1: mortgage.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: So $3.97, $4.30 in the Superfund.\n\nChannel 1: $4.37. Yeah. It's in the super.\n\nChannel 0: Cool. So, basically, we'd be left with call it 440. That's\n\nChannel 1: Yep.\n\nChannel 0: right. Call it $40 left in the Superfund\n\nChannel 1: Yep.\n\nChannel 0: after you pay out the mortgage. What would you get in income, sorry, from grounds keeping per\n\nChannel 1: Yep.\n\nChannel 0: fortnight?\n\nChannel 1: So ground as a groundskeeper, it's a thousand and $20.\n\nChannel 0: One\n\nChannel 1: It's\n\nChannel 0: thousand\n\nChannel 1: it's\n\nChannel 0: $20 a fortnight. Okay.\n\nChannel 1: $30.50.\n\nChannel 0: Is that gross?\n\nChannel 1: Yep. That's correct. So it's only three half days. It's $34 an hour, fifteen hours.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: And then teacher teacher relief. I know what suburban or, I guess, metro is what you guys refer to it, metro relief teaching get, but\n\nChannel 1: It's same\n\nChannel 0: I'm\n\nChannel 1: throughout\n\nChannel 0: assuming\n\nChannel 1: the whole\n\nChannel 0: you oh, is it the same? Oh, I would have assumed it was, like, a little\n\nChannel 1: unless\n\nChannel 0: bit higher rate.\n\nChannel 1: you are remote. Like, if you were and that's gotta be, like, further north from Cairns and and further west than, say, Amoramno. Not in Amoramark, maybe. It's\n\nChannel 0: Yep.\n\nChannel 1: it's it's far North and Far West is\n\nChannel 0: Okay. Is what remote is considered?\n\nChannel 1: yeah. So it's 42 per day, CRS.\n\nChannel 0: Okay. Yeah. I I knew it was something close to $500. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: So okay. And then if you did that one day a week, so that's sort of maybe another $2,324,000 a year on top of.\n\nChannel 1: Yeah. So if I one day a week, CRS, thirty hours a week as groundsman,\n\nChannel 0: Okay.\n\nChannel 1: my gross is $2,004. Tax is 276. So and the annual is 52,000.\n\nChannel 0: Yes.\n\nChannel 1: Childs that is a $114. There's a child support calculator. So I've gone through\n\nChannel 0: Yeah.\n\nChannel 1: and think based on what my my ex wife has as her income, which is about 43,855. So\n\nChannel 0: Okay.\n\nChannel 1: so yeah.\n\nChannel 0: What is your current income on full teacher wage?\n\nChannel 1: So gross, $4,718.\n\nChannel 0: Fortnightly. Okay. So basically,\n\nChannel 1: Yep.\n\nChannel 0: 122 and some per\n\nChannel 1: Yeah.\n\nChannel 0: annum.\n\nChannel 1: Hon well, I've got, like, a it's 123. I'm currently listed as a 113 because I've got, salary sacrifice and superannuation\n\nChannel 0: Yep.\n\nChannel 1: in the car.\n\nChannel 0: Yeah. Of course. Okay.\n\nChannel 1: So I end up with about just under 2,600 per fortnight in my pay because of tax and the $500 in child support.\n\nChannel 0: Yeah. The novated lease, I'm assuming that's through Ed Queen or\n\nChannel 1: Yeah.\n\nChannel 0: Education\n\nChannel 1: Ren\n\nChannel 0: System.\n\nChannel 1: yep.\n\nChannel 0: So yep. So upon your termination of contract, I'm assuming that there's going to be a push to request to pay?\n\nChannel 1: Yep. So payout figure, I did the figures on that. I don't have them right in front of me. It was about just over 6,000 to pay that.\n\nChannel 0: Okay. So, essentially speaking, you'd need to pull the 6,000 to pay out the well, irrespective so you've done the research, so you probably know anyway. But upon, like, termination of the contract and upon turning\n\nChannel 1: Yep.\n\nChannel 0: like, so once you turn 60, you open up the availability to to transition to retirement. So it's where you can basically have the two super funds. One's a pension account. One's what's called an accumulation account, which is what you hold now.\n\nChannel 1: Yes.\n\nChannel 0: And the whole point of that is basically enables you to, in a tax free environment, draw money from the superannuation fund while still receiving contributions from your employer. And that's\n\nChannel 1: Yep.\n\nChannel 0: what the full account basically does.\n\nChannel 1: Yep.\n\nChannel 0: So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation. That money is still tax free. It's paid to you from the Superfund straight to your bank account. You can pay out RemServ. That enables you to do that portion of things.\n\nBecause it it\n\nChannel 1: Oh.\n\nChannel 0: it's a little bit of a timing thing depending on how RemServ's gonna push it. Once once you the day that you retire, so technically, the thirty first of this month,\n\nChannel 1: Mhmm.\n\nChannel 0: on the day that you retire, because you have passed 60, you are now in a position of being able to access, as you know, all of the money in your superannuation fund.\n\nChannel 1: Yep.\n\nChannel 0: But it's not as if you can retire on the thirty first and access it on the thirty first because\n\nChannel 1: Not.\n\nChannel 0: the declaration needs to be made basically on the thirty first that I have met all these conditions. It then takes probably about two weeks. It's not crazy amount of time,\n\nChannel 1: None.\n\nChannel 0: but about two weeks for everything to process and for the funds\n\nChannel 1: Yep.\n\nChannel 0: to basically hit your bank account.\n\nChannel 1: Yep.\n\nChannel 0: So depending on how quickly REMServes needs the money will depend on which avenue you probably need to look at doing, whether you look at basically setting up a PTR account or, like, a pension account now with your current provider to basically get that small lump sum to make sure that you have the cash available to pay out RemServ or whether RemServ's happy to wait for a small period of time. Depending on what\n\nChannel 1: Yep.\n\nChannel 0: the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract. But I have also seen RemServ contract. So it wasn't RemServ. It was Maxi. Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay.\n\nChannel 1: Well and I don't think today is is a problem because I'll I'll have two weeks of annual leave that I'll be as my termination pay.\n\nChannel 0: Yeah.\n\nChannel 1: So as well as whatever, you know, works. So I I don't it's only $6 we're talking about. So I don't think\n\nChannel 0: Yeah.\n\nChannel 1: it's sixty days is a problem or thirty days is a problem. But yeah.\n\nChannel 0: Now the other avenue that I'm thinking of, which is and could it could be a possibility is so with superannuation, there's two there's there's there's basically, like, two ways that things can be paid when you hit 60. There's either a benefit payment or a pension payment. A pension payment is considered income. A benefit payment's not. So what you could actually do is\n\nChannel 1: Say that again, please? What?\n\nChannel 0: sorry. So with the superannuation,\n\nChannel 1: Yeah.\n\nChannel 0: you could either have the money paid to you under a pension payment, which\n\nChannel 1: Mention?\n\nChannel 0: is income, because it's an income stream,\n\nChannel 1: Mhmm.\n\nChannel 0: or a benefit payment, which is not considered an income stream because it's a lump sum amount, which is essentially what you're talking about when it comes to you drawing out, like, the nearly $400,000 paying out the mortgage. But instead of doing the $400,000 as a lump sum, what you could actually do is pull out, say, twelve months worth of your your mortgage payments and pay a lump sum or have it sitting in the offset account type of thing. And then every year, do the same sort of thing. Pay out a lump sum. And I know it sounds weird because, ultimately, like, at the time that you pull the money, you're not gonna be retired.\n\nBut there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60. Not that you are still ceased, but that you have ceased. So because you've turned 60 and then you have ceased a gainful employment contract, you\n\nChannel 1: Yep.\n\nChannel 0: could still in the future access those funds.\n\nChannel 1: Okay. Well, so so okay. So let me just see if I got this in my words.\n\nChannel 0: Yes.\n\nChannel 1: Because\n\nChannel 0: Sorry.\n\nChannel 1: I on this of the understanding that you had to take it all or not. All or nothing? Or or the But, yeah, you either had to do the income stream or you had to take the entire lump sum. So what you're saying is now we can do a a twelve month lump sum.\n\nChannel 0: Yeah. Like, you could turn around let's say on on the I was gonna say the thirty second. On the August 1,\n\nChannel 1: Yep.\n\nChannel 0: you could you could basically turn around and say, I wanna pull out $52. That's,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, that's enough to cover, you know, my mortgage repayments and give me\n\nChannel 1: Yep.\n\nChannel 0: a little bit of a buffer, whatever the case may be. I popped the figure because I don't think you actually told me my your mortgage repayments. But that that would be enough to cover my mortgage repayments. Take that money, put it into your\n\nChannel 1: Yeah.\n\nChannel 0: offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve months.\n\nChannel 1: Yeah. Yeah. Okay. It's $11.70 a fortnight, which I think from memory is about 30,000 a year.\n\nChannel 0: There you go. $11.74 $11.70 a fortnight.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yeah. $30,004.20. Yeah. So, you know, pull out, say, 32,000, pop that into the, like, offset, and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how\n\nChannel 1: Yeah.\n\nChannel 0: you have your current arrangement set. And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown in twelve months' time.\n\nChannel 1: Okay. Okay. So could could I okay. Could I just do a draw down?\n\nChannel 0: If you're gonna say more regularly than that, I e quarterly or fortnightly, no. That's then considered income.\n\nChannel 1: Just get enough draw it in that to cover the eighteen months, which is to the end of Charles Charles abort.\n\nChannel 0: Yeah. Absolutely. Yeah. Yeah. Yeah.\n\nYou could do yeah. Two two years, eighteen months. Yeah. Absolutely. Do the same thing.\n\nThat would cover you to child support. It means you're not pulling. And, again, this is without me actually calculating anything and looking at anything because, theoretically, I'm gonna make an assumption and say that your mortgage is sitting on something like a 6% interest rate. Theoretically, if you if your superannuation fund is really conservatively invested, your super fund could be making less than 6%. I don't know without having a look at what investments you're currently\n\nChannel 1: No.\n\nChannel 0: invested in and what the fees are and stuff like that, which I can definitely do. But this is this is under the guys, and what Nathan was saying is basically under the stipulation that your super fund is actually working well for you and is not, I guess, hamstringing you. Probably the best\n\nChannel 1: No. It's\n\nChannel 0: analogy I have today.\n\nChannel 1: I think I've seen it go probably $10,000 in in the last three months increase. So that's why it sort of It's working. Working very well for us.\n\nChannel 0: It's working. Good. So yeah. So if if it if it's working really well, then, yeah, just just a I would basically so the the the day after or even depending on how you're feeling retirement day, contact your current provider, whomever that may be, and you would make a declaration to them that, hey. I am 60.\n\nI am I am no longer gainfully employed, and I am retired, and I would like to draw out, say, just call it $60. That covers two years.\n\nChannel 1: Yep. Sure.\n\nChannel 0: 60\n\nChannel 1: And\n\nChannel 0: grand.\n\nChannel 1: that and so that 60,000 is not seen as an income stream that the the child support's going to assess?\n\nChannel 0: Providing it doesn't come from a pension account and it comes from your accumulation account and it's a benefit\n\nChannel 1: Right.\n\nChannel 0: payment as\n\nChannel 1: Right.\n\nChannel 0: a lump sum. Correct.\n\nChannel 1: But yeah. Okay.\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: hadn't\n\nChannel 0: if\n\nChannel 1: ordered\n\nChannel 0: it's coming out of, here, if it's coming out of a pension account and\n\nChannel 1: yep.\n\nChannel 0: it's paid as a pension payment, then\n\nChannel 1: That's\n\nChannel 0: it is an income.\n\nChannel 1: yes. But if it's a lump sum, then it's not touched. Okay. Okay. And so we can we can literally or I can literally take a lump sum, you know, whenever I like.\n\nI don't have to take the whole lot in one go.\n\nChannel 0: No. You don't yeah. You don't have to take all of it at one go.\n\nChannel 1: Is there a limit or is there a limit to how much of a lump sum you can take at a time if you're not taking the whole lot? Yeah. Or or a a minimum limit minimum? Do you know what I mean? Is\n\nChannel 0: There's\n\nChannel 1: there a minimum or a maximum that you can take as a lump sum?\n\nChannel 0: not while you're unemployed. For the period of time for for if for which you are unemployed, there is no minimum maximum. Once you go back to employment, it's gonna restrict you a bit down back down to that 10%.\n\nChannel 1: Okay. So because I am thinking of what I'm what the the plan is to finish up Friday the thirty first as a full time teacher. And then Tuesday, which would be the first, second, third, fourth of August, start back as a groundsman. Does\n\nChannel 0: Yep.\n\nChannel 1: that quite the problem? Does it?\n\nChannel 0: A little bit. Yeah. If you could if you could take a week off or so, that'd be\n\nChannel 1: Yeah.\n\nChannel 0: really good. K.\n\nChannel 1: Okay.\n\nChannel 0: And that's where you make the declaration that I am not employed. I've retired,\n\nChannel 1: Okay.\n\nChannel 0: and I would like to seek to get paid this money.\n\nChannel 1: Okay. Right. So it's gotta be So you have to be unemployed to be able to take a lump sum like that. Right.\n\nChannel 0: Yeah. Just retired. Just get tired. And then if you choose to get offered the random job and it's it works\n\nChannel 1: Yep.\n\nChannel 0: out well for you, then magical.\n\nChannel 1: Okay. Okay. Okay. Well, I'm sure we could talk to a a prospective employer and say, hey. Can we just Or you can just finish up a week earlier.\n\nAlright. Yeah. Well, I don't know if I can. I know you can. Maybe you can.\n\nMaybe you can. Alright. Well, we'll be looking at that. So yeah. That's another option.\n\nAnd so so, basically, I only need to be unemployed slash retired for the period at at which I am submitting this piece of paperwork. It it doesn't mean I have to wait until they give me a response or I get the money. Is that how that\n\nChannel 0: No. Right. Yeah. Just just submitting the paperwork. And you do not wanna set up a pension account.\n\nI'm gonna be really clear. Do not set up a pension account.\n\nChannel 1: work? No.\n\nChannel 0: Do\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: No.\n\nChannel 0: all\n\nChannel 1: Is\n\nChannel 0: from\n\nChannel 1: that\n\nChannel 0: your accumulation account.\n\nChannel 1: yep. It has to be from accumulation. Yep. Yep. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: We've we've been told if if I put it into my my personal account and, like, if I take a hundred days and I put it in my personal account, then any interest it earns is then accessible for child support.\n\nChannel 0: Yeah. Yeah. Of course.\n\nChannel 1: But\n\nChannel 0: Generally speaking, offset accounts don't make,\n\nChannel 1: yeah.\n\nChannel 0: I mean, they they can, but they're not making lots of interest.\n\nChannel 1: Well, the easy\n\nChannel 0: Maybe\n\nChannel 1: thing\n\nChannel 0: a couple\n\nChannel 1: is,\n\nChannel 0: bucks.\n\nChannel 1: you know, Lucy and and she looks after me. My name. And hopefully, doesn't go on a world trip without me.\n\nChannel 0: Absolutely. May I ask how old is Lucy?\n\nChannel 1: How old am I? I'm 60. So we're both\n\nChannel 0: Cool.\n\nChannel 1: 60 this Yeah. So I I've got a a transition to retirement account. I work three days a week, but I've got a a transition fund set up to supplement my income to day old.\n\nChannel 0: Yep.\n\nChannel 1: Yep. So\n\nChannel 0: So\n\nChannel 1: I've\n\nChannel 0: the same thing yeah. So you've you've already been doing this.\n\nChannel 1: Yep.\n\nChannel 0: One of the one of the biggest things you should probably make sure that you're looking at, because you're still working with\n\nChannel 1: Yep.\n\nChannel 0: a TTR account, is have a look at where the money's sitting between your accumulation and your pension funds. Because your pension funds obviously been distributing income,\n\nChannel 1: Yep.\n\nChannel 0: and the accumulation account being receiving contributions. It's the new financial year. So what happened at the new financial year is as at, you know, June 30, July 1, your provider, so your super\n\nChannel 1: Yep.\n\nChannel 0: super provider, reviewed how much was in your pension account, and they said, well, based on your balance as at end of financial year, your new pension payments, based on how it was set up, are now going to be blah. And so long as they fall between the 4% to 10% mark, they may not have changed.\n\nChannel 1: Yes. No. They haven't Yep.\n\nChannel 0: Yeah. But if you had it set to get the maximum payments,\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: payments\n\nChannel 1: don't.\n\nChannel 0: may have changed. Yeah. So\n\nChannel 1: Oh,\n\nChannel 0: if you just had a a dollar figure, it's\n\nChannel 1: okay.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: But the other thing that you could do is even though and I know it sounds silly. Even though you've you transitioned to retirement to drop your hours to enjoy life more, you could actually increase how much you're you're paying into your super. So you could salary sacrifice more into\n\nChannel 1: Yep.\n\nChannel 0: your super and then take more because what you're\n\nChannel 1: Yep.\n\nChannel 0: ending up doing is, I guess, screwing over the government tax wise, which is my favorite thing to do in the world because your marginal tax rate and, again, this is all dependent on what your income is to to how it would work. But depending on what your income is, you could basically and because, like, marginal tax is bracketed. So the first 18200, you pay no tax on.\n\nChannel 1: Yes.\n\nChannel 0: Between 18045, we pay up to 16%, so on and so on. So anything basically up to about that $45,000, depending on what your income is, if you salary sacrifice that into your super, so\n\nChannel 1: Mhmm.\n\nChannel 0: anything in excess of 45,000, pop that into your super, and then draw it out tax free, you're gonna end up way better tax wise. As a general rule of thumb and without actually giving you advice, I wanna be really clear on that. Just just general rule of thumb, if you want me to actually look into this, I definitely can, but I'd need to have a little bit more of an extensive conversation and start getting information from you guys. But just to be general and give you information and\n\nChannel 1: Yep. Yep. Yeah. Okay. Food to thought.\n\nYeah. Okay.\n\nChannel 0: but the other thing to do is the if your if your pension's currently supporting you and you're comfortable with it,\n\nChannel 1: Yep.\n\nChannel 0: then, I mean, leave it as it is. If you wanna take more out, you will need to move your pension account back to accumulation and then basically pick up the excess money in your accumulation account and move it back over to pension.\n\nChannel 1: You're\n\nChannel 0: I know\n\nChannel 1: right.\n\nChannel 0: it sounds really weird, but, basically, a pension account cannot have a contribution made to it. And if your accumulation account over, you know, the since it's been set up has grown and is now obviously, it it will be. It'll be larger than what it was when you pulled money out\n\nChannel 1: Yep.\n\nChannel 0: of it and put it into pension phase. Then that money can't just be shifted over to pension. You actually have to move the pension over and pick it up and then move it into a new pension account. It's an absolute pain, but it's the way it's all legislatively set up.\n\nChannel 1: Okay. Well, that's where you come in and yeah. We don't take it down more down.\n\nChannel 0: Yeah.\n\nChannel 1: Brainpower.\n\nChannel 0: That's that's the that's the complexities of things and and, you know,\n\nChannel 1: Yep.\n\nChannel 0: how I could help. But, you know, it's dependent on whether you you want me to look a little bit deeper into things. So, realistically, as an adviser, what apart from giving you guys information, what I would do and what I can do is conversations like this is where we start off, And then I go through and I would do a little bit more delving and digging into your financial position. So, you know, like, last year's tax return, having a look at your payslips, getting a little bit more information about, like, the interest rate on your loan, how it's currently structured, so on and so forth. And then I run scenarios and algorithms, and I look at if we were to do, then what is the outcome.\n\nAnd I run all the situations that I can possibly think of, And sometimes that's two or three, and sometimes that's 53 different situations. And then I turn around and go cool. Out of all the scenarios I've run, this is the one that's gonna get you the best outcome to meet\n\nChannel 1: Not.\n\nChannel 0: the goals that you stipulated as a couple or an individual or whatever the case may be.\n\nChannel 1: Okay.\n\nChannel 0: And sometimes, like I said, it's just about paying less tax, and that's not something you might have come to me with, but sometimes that's what I find as an avenue, and we do.\n\nChannel 1: Okay. Okay. Alright. So if we wanted to take that next step and get you to to go down that track and do all that sort of stuff, what sort of fees are we looking at?\n\nChannel 0: So first and foremost, this conversation and any initial conversations are completely complimentary.\n\nChannel 1: Right.\n\nChannel 0: Everything that I do from here up until what's called statement of advice stage is completely complimentary. So all the research, the looking into, the digging, the comparisons, all free. I draw\n\nChannel 1: Okay.\n\nChannel 0: up a statement of advice, which is basically a amalgamation of all the research and formalization of my advice.\n\nChannel 1: Mhmm.\n\nChannel 0: That is all free. We would get together and have a conversation to present the advice, and then the fee would be paid upon you guys accepting and my implementation of it. So there's two parts to my fees. First\n\nChannel 1: Mhmm.\n\nChannel 0: is the initial fee, which is for us to actually do the initial setup of everything. For a couple, that is $6,600 capped. That's it. That is for everything all up. Ongoing, we have a tiered fee structure.\n\nIt's all based on the funds under management and what we're ultimately doing for you. All of the fees would be detailed in the statement of advice clearly. They're written about four different places throughout the document, so we don't hide it.\n\nChannel 1: Yep.\n\nChannel 0: And they're all listed there. Our fees are also broken down on the financial services guide, which I believe was attached to the invite card invite?\n\nChannel 1: Okay.\n\nChannel 0: I might be mistaken. No. It's not. I can\n\nChannel 1: Okay.\n\nChannel 0: email it to you, though. Sorry. I I generally do attach it, but I must've had a moment. I yeah. I'll I'll email that to you so that way it sort of breaks it down.\n\nIt's a little bit easier to see than for me to explain. So yeah. So I I'm more than happy to go through and and do that and and break everything down. If you do want me to dig into things, I do need to, I guess, ask a few other questions. And it's like general questions like your date of birth, your actual your address,\n\nChannel 1: Yep.\n\nChannel 0: you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth. So that way I can actually dig into the numbers.\n\nChannel 1: Yes.\n\nChannel 0: And then from there, deliver the advice. So, theoretically speaking, if you're wanting it turned around by the end of the month, I can definitely do that, But that would be very much dependent on you guys getting me the documents.\n\nChannel 1: Yes.\n\nChannel 0: Providing I've had all the documents from you within the next, say, probably ten days, so no later than, like, Monday, Tuesday, the twentieth, twenty first, I would be able to turn the advice around by the beginning of the week of the twenty seventh, twenty eighth. So that way, you had all the information, and we had the time to be able to execute by the thirty first ish.\n\nChannel 1: Yep. Okay. Well, I was saying but well, there's probably some more thinking we obviously gotta do about that. Mhmm. But Yep.\n\nSomething to think about.\n\nChannel 0: Absolutely. No. That's completely okay. Some like, look. Sometimes I meet with clients and it is just information.\n\nI swear about 50% of my my job is education\n\nChannel 1: Yep.\n\nChannel 0: because, unfortunately, they don't teach it in schools. So\n\nChannel 1: No.\n\nChannel 0: no. They don't. So yeah. So so, you know, a lot a lot of what I do is just is education based and, you know, I've had clients I've been in the industry for a little over ten years, and I've had clients for just as long. And still, I teach them new things every year.\n\nSo more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those. And, look, it doesn't have to be prior to the end of this month. You know, if you guys wanna go and execute what we've kinda talked about, whether that is the full lump sum of 400,000, whether that's, you know, two years worth of the mortgage repayments or whatever the case may be that you guys decide, that's that's that's completely okay. And, you know, you can always loop back around, and we can have a chat at a later date when things are maybe a little less little less stressful and when you've maybe had a chance to enjoy what,\n\nChannel 1: Yep.\n\nChannel 0: you know, retirement looks like. Yeah. Semi retirement.\n\nChannel 1: Yep. Yeah. Yeah. That's true. Alright.\n\nOkay. Alright. Well, my brain's probably full at this point. Yeah. Yeah.\n\nI'm just\n\nChannel 0: Yep.\n\nChannel 1: gonna so now you've you've I guess it all now. You've definitely give it some some things we didn't know about, some other options, which is interesting. So whether that's going to be beneficial Yep.\n\nChannel 0: If you run into any other questions or have any\n\nChannel 1: For\n\nChannel 0: any concerns, you have my email address. Feel free to flick an email through\n\nChannel 1: okay.\n\nChannel 0: and say, hey. I had a few questions. It's these ones.\n\nChannel 1: Yep.\n\nChannel 0: I'm free at this time, and I can add hot call you. Or if they're easy enough, it's just sometimes questions that are a little bit more complex in nature are a little bit easier to explain over the phone than in an email. I always try\n\nChannel 1: Yep.\n\nChannel 0: to email the answer, but sometimes it's easier to follow-up with with a call as well. So if you flick an email through and say, these are the questions. This is what I wanna know. Call me around this time,\n\nChannel 1: Yep.\n\nChannel 0: I will\n\nChannel 1: Yeah.\n\nChannel 0: do so. I obviously, you're school based, so you're\n\nChannel 1: Yeah.\n\nChannel 0: only available after school time. I'm pretty flexible. I generally work until much to my husband's and children's discussed till, like, 07:00 at night or later. So I'm more than happy to make that call in the afternoon or the evening. I can\n\nChannel 1: Okay.\n\nChannel 0: have dinner with you and have a chat.\n\nChannel 1: Alright. Okay. No. That that's good. Yeah.\n\nCertainly give us given us some more things to think about Yep. We weren't aware of. So yeah. Yes. Definitely.\n\nWonderful. We will that. Yep.\n\nChannel 0: Well,\n\nChannel 1: Yep.\n\nChannel 0: if there's\n\nChannel 1: Yep.\n\nChannel 0: ever anything else, let me know. But otherwise, you guys go and talk amongst yourselves and, yeah, feel free to email me.\n\nChannel 1: Alright. Alright. Thank you very much. Thank thank you for your time.\n\nChannel 0: My pleasure. Thank you so much for taking the time to chat with me. I really appreciate it, and good luck.\n\nChannel 1: Thank you. Okay. Bye bye.\n\nChannel 0: Bye, guys.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.053933825343847275},{"text":"This is Steven.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.05536240339279175}],"sentiment":"neutral","sentiment_score":0.05500525888055563,"channel":1,"num_words":4,"start":0.24,"end":1.46},{"sentences":[{"text":"Hi, Steven.","start":2.48,"end":3.36,"sentiment":"neutral","sentiment_score":0.17673532664775848},{"text":"Larissa from Oakview Financial.","start":3.36,"end":4.72,"sentiment":"neutral","sentiment_score":0.23061681538820267},{"text":"How are you going?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.26750756055116653}],"sentiment":"neutral","sentiment_score":0.2345968157052994,"channel":0,"num_words":10,"start":2.48,"end":5.62},{"sentences":[{"text":"Good.","start":5.6,"end":5.92,"sentiment":"positive","sentiment_score":0.6309662461280823},{"text":"Thank you.","start":5.92,"end":6.24,"sentiment":"positive","sentiment_score":0.6970414817333221},{"text":"Lucy is here with me.","start":6.24,"end":7.44,"sentiment":"positive","sentiment_score":0.36313435435295105},{"text":"Hello?","start":7.44,"end":7.94,"sentiment":"neutral","sentiment_score":0.13687120378017426}],"sentiment":"positive","sentiment_score":0.44195468723773956,"channel":1,"num_words":9,"start":5.6,"end":7.94},{"sentences":[{"text":"Oh, hi.","start":8.88,"end":9.92,"sentiment":"neutral","sentiment_score":0.19157277792692184},{"text":"How are you going?","start":9.92,"end":11.059999,"sentiment":"neutral","sentiment_score":0.19488625973463058}],"sentiment":"neutral","sentiment_score":0.19378176579872766,"channel":0,"num_words":6,"start":8.88,"end":11.059999},{"sentences":[{"text":"Hey.","start":11.12,"end":11.36,"sentiment":"neutral","sentiment_score":0.2542295455932617},{"text":"Good.","start":11.36,"end":11.679999,"sentiment":"positive","sentiment_score":0.4468493163585663},{"text":"Thanks,","start":11.679999,"end":12.179999,"sentiment":"positive","sentiment_score":0.583770751953125}],"sentiment":"positive","sentiment_score":0.4282832046349843,"channel":1,"num_words":3,"start":11.12,"end":12.179999},{"sentences":[{"text":"That's good.","start":13.855,"end":14.755,"sentiment":"positive","sentiment_score":0.635635495185852},{"text":"I really do apologize that I was unavailable last week.","start":14.895,"end":19.955,"sentiment":"neutral","sentiment_score":-0.18981163650751115},{"text":"I it's taken me a little bit to get back on my feet, but I'm back up and running.","start":20.015,"end":24.835,"sentiment":"neutral","sentiment_score":-0.029442151518244492},{"text":"Perfect.","start":28.84,"end":29.34,"sentiment":"positive","sentiment_score":0.5473968982696533},{"text":"Now, obviously, Nathan sent your details through to us following, you know, conversations with him.","start":29.960001,"end":38.295,"sentiment":"neutral","sentiment_score":0.15704113245010376}],"sentiment":"neutral","sentiment_score":0.03652697088236504,"channel":0,"num_words":47,"start":13.855,"end":38.295},{"sentences":[{"text":"Yep.","start":38.67,"end":39.17,"sentiment":"neutral","sentiment_score":0.07361838221549988}],"sentiment":"neutral","sentiment_score":0.07361838221549988,"channel":1,"num_words":1,"start":38.67,"end":39.17},{"sentences":[{"text":"And I guess the way that I would normally conduct our meetings is to, I guess, find out first and foremost what and the reason, I guess, why you're wanting to seek financial advice so we can start digging into things from there.","start":39.254997,"end":52.394997,"sentiment":"neutral","sentiment_score":0.026984916122760192}],"sentiment":"neutral","sentiment_score":0.026984916122760192,"channel":0,"num_words":43,"start":39.254997,"end":52.394997},{"sentences":[{"text":"Sure.","start":52.465,"end":52.965,"sentiment":"neutral","sentiment_score":0.08222182095050812},{"text":"So I turned 60 a couple of weeks ago","start":53.265,"end":56.645,"sentiment":"neutral","sentiment_score":0.09472068978680505}],"sentiment":"neutral","sentiment_score":0.09347080290317536,"channel":1,"num_words":10,"start":52.465,"end":56.645},{"sentences":[{"text":"Oh, congratulations.","start":57.43,"end":58.81,"sentiment":"positive","sentiment_score":0.434271901845932}],"sentiment":"positive","sentiment_score":0.434271901845932,"channel":0,"num_words":2,"start":57.43,"end":58.81},{"sentences":[{"text":"and and our thank you.","start":58.469997,"end":60.469997,"sentiment":"positive","sentiment_score":0.3995255887508392},{"text":"Our plan was to pay out the mortgage so that I could cut back the the amount of work.","start":60.469997,"end":66.63,"sentiment":"neutral","sentiment_score":0.013873483201390818},{"text":"I work as a high school teacher.","start":66.63,"end":68.009995,"sentiment":"neutral","sentiment_score":0.03674422151276043}],"sentiment":"neutral","sentiment_score":0.08123979597322402,"channel":1,"num_words":31,"start":58.469997,"end":68.009995},{"sentences":[{"text":"Yep.","start":69.045,"end":69.545,"sentiment":"neutral","sentiment_score":0.023122724145650864}],"sentiment":"neutral","sentiment_score":0.023122724145650864,"channel":0,"num_words":1,"start":69.045,"end":69.545},{"sentences":[{"text":"And I rang Nathan to say, hey.","start":70.47,"end":73.925,"sentiment":"neutral","sentiment_score":-0.024472096136638095},{"text":"You know, how do I go about, you know, rearranging the mortgage sort of thing?","start":74.225006,"end":78.645004,"sentiment":"neutral","sentiment_score":-0.07199661880731582},{"text":"And he said, well, maybe you should talk to a financial adviser because maybe it's better off instead of taking my my super app.","start":78.785,"end":86.385,"sentiment":"neutral","sentiment_score":-0.07561509885514776},{"text":"So I've got about 437,000 in super and our","start":86.385,"end":92.54,"sentiment":"neutral","sentiment_score":0.04360442277457979}],"sentiment":"neutral","sentiment_score":-0.048610482229427855,"channel":1,"num_words":55,"start":70.47,"end":92.54},{"sentences":[{"text":"Mhmm.","start":92.354996,"end":92.854996,"sentiment":"neutral","sentiment_score":0.005587661638855934}],"sentiment":"neutral","sentiment_score":0.005587661638855934,"channel":0,"num_words":1,"start":92.354996,"end":92.854996},{"sentences":[{"text":"more it's 397,000.","start":92.54,"end":94.96,"sentiment":"neutral","sentiment_score":0.00902555945018927},{"text":"He said,","start":96.38,"end":96.86,"sentiment":"neutral","sentiment_score":-0.007331199012696743}],"sentiment":"neutral","sentiment_score":0.002482856065034865,"channel":1,"num_words":5,"start":92.54,"end":96.86},{"sentences":[{"text":"Yes.","start":96.755,"end":97.255,"sentiment":"neutral","sentiment_score":0.03732661157846451}],"sentiment":"neutral","sentiment_score":0.03732661157846451,"channel":0,"num_words":1,"start":96.755,"end":97.255},{"sentences":[{"text":"you know, the the amount of interest you're paying on the mortgage might be less than the amount of interest you're making on on the super.","start":96.86,"end":105.765,"sentiment":"neutral","sentiment_score":-0.03271928057074547},{"text":"So you might even be better off just getting an income stream and using the income stream to pay out the the fortnightly repayments because the super will increase still over the next five years back.","start":105.765,"end":123.27,"sentiment":"neutral","sentiment_score":0.11294816641343965}],"sentiment":"neutral","sentiment_score":0.05186181767813621,"channel":1,"num_words":62,"start":96.86,"end":123.27},{"sentences":[{"text":"Absolutely.","start":124.145,"end":124.645,"sentiment":"neutral","sentiment_score":0.1723107397556305},{"text":"Yep.","start":124.705,"end":125.205,"sentiment":"neutral","sentiment_score":0.0633038729429245}],"sentiment":"neutral","sentiment_score":0.1178073063492775,"channel":0,"num_words":2,"start":124.145,"end":125.205},{"sentences":[{"text":"So the problem though few problems here, little flies in the ointment as they say.","start":125.649994,"end":132.06999,"sentiment":"negative","sentiment_score":-0.34053028623263043},{"text":"I have one one 16 year old daughter who I have another year and a half of paying child support for, which I don't","start":132.635,"end":139.75499,"sentiment":"neutral","sentiment_score":-0.29607397814591724}],"sentiment":"neutral","sentiment_score":-0.3131725581792685,"channel":1,"num_words":39,"start":125.649994,"end":139.75499},{"sentences":[{"text":"Mhmm.","start":139.63501,"end":140.13501,"sentiment":"neutral","sentiment_score":-0.17985273897647858}],"sentiment":"neutral","sentiment_score":-0.17985273897647858,"channel":0,"num_words":1,"start":139.63501,"end":140.13501},{"sentences":[{"text":"mind.","start":139.75499,"end":140.25499,"sentiment":"neutral","sentiment_score":-0.2272859811782837},{"text":"But I don't yeah.","start":140.875,"end":144.075,"sentiment":"neutral","sentiment_score":-0.23453739657998085},{"text":"Okay.","start":144.075,"end":144.47499,"sentiment":"neutral","sentiment_score":-0.1021239459514618},{"text":"So the the bottom line is if we pay out the mortgage and I and I keep 10,000 in there to keep the superannuation going, keep some money in the mortgage so we actually have, like, a redraw.","start":144.47499,"end":156.02,"sentiment":"neutral","sentiment_score":0.13772284768913923},{"text":"If I do the the other option, which is the income stream, you might be aware of this, child support review views income streams as an income.","start":156.88,"end":168.285,"sentiment":"neutral","sentiment_score":0.03318071158395873}],"sentiment":"neutral","sentiment_score":0.06847588607752828,"channel":1,"num_words":71,"start":139.75499,"end":168.285},{"sentences":[{"text":"Gotcha.","start":169.30501,"end":169.80501,"sentiment":"neutral","sentiment_score":0.0804481953382492}],"sentiment":"neutral","sentiment_score":0.0804481953382492,"channel":1,"num_words":1,"start":169.30501,"end":169.80501},{"sentences":[{"text":"Mhmm.","start":169.395,"end":169.895,"sentiment":"neutral","sentiment_score":0.06751378625631332}],"sentiment":"neutral","sentiment_score":0.06751378625631332,"channel":0,"num_words":1,"start":169.395,"end":169.895},{"sentences":[{"text":"And so, basically, what I'm gonna do is work a permanent part time job as a groundsman, which I just absolutely love the idea of, and and do one day teacher relief.","start":170.18501,"end":185.865,"sentiment":"positive","sentiment_score":0.3863371799234301},{"text":"And that's enough to pay our bills and give me some spending money and just relax.","start":186.345,"end":190.265,"sentiment":"positive","sentiment_score":0.47846307419240475},{"text":"We we like our lifestyle out here at Kilcoy.","start":190.265,"end":195.16501,"sentiment":"positive","sentiment_score":0.661681764655643}],"sentiment":"positive","sentiment_score":0.4556725408162987,"channel":1,"num_words":57,"start":170.18501,"end":195.16501},{"sentences":[{"text":"Yeah.","start":196.545,"end":197.045,"sentiment":"neutral","sentiment_score":0.052012812346220016}],"sentiment":"neutral","sentiment_score":0.052012812346220016,"channel":0,"num_words":1,"start":196.545,"end":197.045},{"sentences":[{"text":"If I try to do the income stream, I would need to take out the whole well, I'd need to take out enough to be able to pay the the the about 1,200 per fortnight payments.","start":197.225,"end":210.09999,"sentiment":"neutral","sentiment_score":-0.07351890154596832},{"text":"But the moment I do that, child support says, well, that's an income.","start":210.31999,"end":213.7,"sentiment":"neutral","sentiment_score":-0.09328074122850712},{"text":"So we're going to increase your child support payments, which means then I have to take it more than the 1,200 I need.","start":214.19499,"end":220.275,"sentiment":"neutral","sentiment_score":-0.03297427009143259},{"text":"I've now gotta take it at the maximum.","start":220.275,"end":221.795,"sentiment":"neutral","sentiment_score":0.008181923069059849},{"text":"Well, I put in my calculations.","start":221.795,"end":223.175,"sentiment":"neutral","sentiment_score":0.02750653773546219}],"sentiment":"neutral","sentiment_score":-0.05101446154375756,"channel":1,"num_words":86,"start":197.225,"end":223.175},{"sentences":[{"text":"So I get the maximum, which is about 1,600 a fortnight.","start":223.795,"end":227.395,"sentiment":"neutral","sentiment_score":0.04398623074997555},{"text":"That's the most I can get.","start":227.395,"end":228.935,"sentiment":"neutral","sentiment_score":0.04135167319327593},{"text":"And it doesn't actually leave me enough money to to continue to live on, you know, reasonably.","start":231.15,"end":237.89,"sentiment":"neutral","sentiment_score":-0.12759201623061123},{"text":"That's the 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don't honestly, I don't know if there's much advice you can give us because from what I can say, there's there's there's just no option.","start":242.67,"end":251.64499,"sentiment":"neutral","sentiment_score":-0.3291409124548619},{"text":"If I try and do the income stream, I'm just gonna I get further behind.","start":251.86499,"end":257.225,"sentiment":"negative","sentiment_score":-0.463252721230189},{"text":"It's crazy.","start":257.225,"end":257.88498,"sentiment":"negative","sentiment_score":-0.41592878103256226}],"sentiment":"negative","sentiment_score":-0.37618027187206526,"channel":1,"num_words":44,"start":242.26999,"end":257.88498},{"sentences":[{"text":"Yeah.","start":259.36,"end":259.86,"sentiment":"neutral","sentiment_score":-0.19110281765460968},{"text":"The because of the child 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that's","start":1083.02,"end":1083.42,"sentiment":"neutral","sentiment_score":0.20970749855041504}],"sentiment":"neutral","sentiment_score":0.2717208602736073,"channel":0,"num_words":31,"start":1069.705,"end":1083.42},{"sentences":[{"text":"Yep.","start":1083.27,"end":1083.77,"sentiment":"neutral","sentiment_score":0.15829601883888245}],"sentiment":"neutral","sentiment_score":0.15829601883888245,"channel":1,"num_words":1,"start":1083.27,"end":1083.77},{"sentences":[{"text":"what the full account basically does.","start":1083.42,"end":1085.28,"sentiment":"neutral","sentiment_score":0.1646964574853579}],"sentiment":"neutral","sentiment_score":0.1646964574853579,"channel":0,"num_words":6,"start":1083.42,"end":1085.28},{"sentences":[{"text":"Yep.","start":1085.5901,"end":1086.0901,"sentiment":"neutral","sentiment_score":0.14479687809944153}],"sentiment":"neutral","sentiment_score":0.14479687809944153,"channel":1,"num_words":1,"start":1085.5901,"end":1086.0901},{"sentences":[{"text":"So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation.","start":1085.9,"end":1103.015,"sentiment":"neutral","sentiment_score":0.16366016477919543},{"text":"That money is still tax free.","start":1103.7799,"end":1104.98,"sentiment":"neutral","sentiment_score":0.3240499297777812},{"text":"It's paid to you from the Superfund straight to your bank account.","start":1104.98,"end":1107.48,"sentiment":"positive","sentiment_score":0.3392481630047162},{"text":"You can pay out RemServ.","start":1107.7,"end":1109.0,"sentiment":"positive","sentiment_score":0.3408313453197479},{"text":"That enables you to do that portion of things.","start":1109.62,"end":1111.96,"sentiment":"positive","sentiment_score":0.4790111614598168}],"sentiment":"neutral","sentiment_score":0.24453408670212542,"channel":0,"num_words":84,"start":1085.9,"end":1111.96},{"sentences":[{"text":"Because it it","start":1112.26,"end":1113.22,"sentiment":"neutral","sentiment_score":0.12903997053702673}],"sentiment":"neutral","sentiment_score":0.12903997053702673,"channel":0,"num_words":3,"start":1112.26,"end":1113.22},{"sentences":[{"text":"Oh.","start":1112.75,"end":1113.25,"sentiment":"neutral","sentiment_score":0.024676578119397163}],"sentiment":"neutral","sentiment_score":0.024676578119397163,"channel":1,"num_words":1,"start":1112.75,"end":1113.25},{"sentences":[{"text":"it's a little bit of a timing thing depending on how RemServ's gonna push it.","start":1113.2999,"end":1119.525,"sentiment":"neutral","sentiment_score":-0.0026773232966661453},{"text":"Once once you the day that you retire, so technically, the thirty first of this month,","start":1121.025,"end":1128.805,"sentiment":"neutral","sentiment_score":0.11726236646063626}],"sentiment":"neutral","sentiment_score":0.05922703270710284,"channel":0,"num_words":31,"start":1113.2999,"end":1128.805},{"sentences":[{"text":"Mhmm.","start":1129.425,"end":1129.925,"sentiment":"neutral","sentiment_score":0.09406910836696623}],"sentiment":"neutral","sentiment_score":0.09406910836696623,"channel":1,"num_words":1,"start":1129.425,"end":1129.925},{"sentences":[{"text":"on the day that you retire, because you have passed 60, you are now in a position of being able to access, as you know, all of the money in your superannuation fund.","start":1129.745,"end":1141.2999,"sentiment":"neutral","sentiment_score":0.3129076054601958}],"sentiment":"neutral","sentiment_score":0.3129076054601958,"channel":0,"num_words":33,"start":1129.745,"end":1141.2999},{"sentences":[{"text":"Yep.","start":1141.58,"end":1142.08,"sentiment":"neutral","sentiment_score":0.11988845467567444}],"sentiment":"neutral","sentiment_score":0.11988845467567444,"channel":1,"num_words":1,"start":1141.58,"end":1142.08},{"sentences":[{"text":"But it's not as if you can retire on the thirty first and access it on the thirty first because","start":1141.6,"end":1148.215,"sentiment":"neutral","sentiment_score":-0.11988775096833706}],"sentiment":"neutral","sentiment_score":-0.11988775096833706,"channel":0,"num_words":20,"start":1141.6,"end":1148.215},{"sentences":[{"text":"Not.","start":1147.98,"end":1148.48,"sentiment":"neutral","sentiment_score":-0.13336913287639618}],"sentiment":"neutral","sentiment_score":-0.13336913287639618,"channel":1,"num_words":1,"start":1147.98,"end":1148.48},{"sentences":[{"text":"the declaration needs to be made basically on the thirty first that I have met all these conditions.","start":1148.215,"end":1153.355,"sentiment":"neutral","sentiment_score":-0.07184537914064196},{"text":"It then takes probably about two weeks.","start":1153.8949,"end":1156.5349,"sentiment":"neutral","sentiment_score":-0.05036273971199989},{"text":"It's not crazy amount of time,","start":1156.5349,"end":1158.5549,"sentiment":"neutral","sentiment_score":-0.07395994290709496}],"sentiment":"neutral","sentiment_score":-0.0674037309663911,"channel":0,"num_words":31,"start":1148.215,"end":1158.5549},{"sentences":[{"text":"None.","start":1158.9451,"end":1159.4451,"sentiment":"neutral","sentiment_score":-0.05740375071763992}],"sentiment":"neutral","sentiment_score":-0.05740375071763992,"channel":1,"num_words":1,"start":1158.9451,"end":1159.4451},{"sentences":[{"text":"but about two weeks for everything to process and for the funds","start":1159.1749,"end":1162.58,"sentiment":"neutral","sentiment_score":0.03442490752786398}],"sentiment":"neutral","sentiment_score":0.03442490752786398,"channel":0,"num_words":12,"start":1159.1749,"end":1162.58},{"sentences":[{"text":"Yep.","start":1162.145,"end":1162.645,"sentiment":"neutral","sentiment_score":0.031691357493400574}],"sentiment":"neutral","sentiment_score":0.031691357493400574,"channel":1,"num_words":1,"start":1162.145,"end":1162.645},{"sentences":[{"text":"to basically hit your bank account.","start":1162.64,"end":1164.4199,"sentiment":"neutral","sentiment_score":0.012775072827935219}],"sentiment":"neutral","sentiment_score":0.012775072827935219,"channel":0,"num_words":6,"start":1162.64,"end":1164.4199},{"sentences":[{"text":"Yep.","start":1164.625,"end":1165.125,"sentiment":"neutral","sentiment_score":0.09643633663654327}],"sentiment":"neutral","sentiment_score":0.09643633663654327,"channel":1,"num_words":1,"start":1164.625,"end":1165.125},{"sentences":[{"text":"So depending on how quickly REMServes needs the money will depend on which avenue you probably need to look at doing, whether you look at basically setting up a PTR account or, like, a pension account now with your current provider to basically get that small lump sum to make sure that you have the cash available to pay out RemServ or whether RemServ's happy to wait for a small period of time.","start":1165.9199,"end":1189.635,"sentiment":"neutral","sentiment_score":0.1220617867393853},{"text":"Depending on what","start":1191.04,"end":1191.4401,"sentiment":"neutral","sentiment_score":-0.007590980579455692}],"sentiment":"neutral","sentiment_score":0.11694391434522051,"channel":0,"num_words":76,"start":1165.9199,"end":1191.4401},{"sentences":[{"text":"Yep.","start":1191.385,"end":1191.885,"sentiment":"neutral","sentiment_score":-0.019843827933073044}],"sentiment":"neutral","sentiment_score":-0.019843827933073044,"channel":1,"num_words":1,"start":1191.385,"end":1191.885},{"sentences":[{"text":"the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract.","start":1191.4401,"end":1203.135,"sentiment":"neutral","sentiment_score":-0.10695325598120689},{"text":"But I have also seen RemServ contract.","start":1203.615,"end":1206.255,"sentiment":"neutral","sentiment_score":-0.032090166583657265},{"text":"So it wasn't RemServ.","start":1206.255,"end":1207.095,"sentiment":"neutral","sentiment_score":-0.0728253722190857},{"text":"It was Maxi.","start":1207.095,"end":1208.995,"sentiment":"neutral","sentiment_score":-0.05055585503578186},{"text":"Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay.","start":1210.335,"end":1221.2999,"sentiment":"neutral","sentiment_score":-0.026112870353719463}],"sentiment":"neutral","sentiment_score":-0.06358109093120982,"channel":0,"num_words":62,"start":1191.4401,"end":1221.2999},{"sentences":[{"text":"Well and I don't think today is is a problem because I'll I'll have two weeks of annual leave that I'll be as my termination pay.","start":1221.885,"end":1231.28,"sentiment":"neutral","sentiment_score":-0.2582713202215158}],"sentiment":"neutral","sentiment_score":-0.2582713202215158,"channel":1,"num_words":26,"start":1221.885,"end":1231.28},{"sentences":[{"text":"Yeah.","start":1232.095,"end":1232.595,"sentiment":"neutral","sentiment_score":0.10897311568260191}],"sentiment":"neutral","sentiment_score":0.10897311568260191,"channel":0,"num_words":1,"start":1232.095,"end":1232.595},{"sentences":[{"text":"So as well as whatever, you know, works.","start":1233.1799,"end":1237.995,"sentiment":"neutral","sentiment_score":0.2009528148919344},{"text":"So I I don't it's only $6 we're talking about.","start":1237.995,"end":1240.715,"sentiment":"neutral","sentiment_score":-0.06661643721163273},{"text":"So I don't think","start":1240.715,"end":1241.775,"sentiment":"neutral","sentiment_score":-0.15971799939870834}],"sentiment":"neutral","sentiment_score":0.013753915882923386,"channel":1,"num_words":22,"start":1233.1799,"end":1241.775},{"sentences":[{"text":"Yeah.","start":1242.1901,"end":1242.6901,"sentiment":"neutral","sentiment_score":-0.1488364040851593}],"sentiment":"neutral","sentiment_score":-0.1488364040851593,"channel":0,"num_words":1,"start":1242.1901,"end":1242.6901},{"sentences":[{"text":"it's sixty days is a problem or thirty days is a problem.","start":1242.5549,"end":1245.295,"sentiment":"negative","sentiment_score":-0.40724998464186984},{"text":"But yeah.","start":1247.915,"end":1249.3049,"sentiment":"neutral","sentiment_score":-0.09241633117198944}],"sentiment":"negative","sentiment_score":-0.3622737484318869,"channel":1,"num_words":14,"start":1242.5549,"end":1249.3049},{"sentences":[{"text":"Now the other avenue that I'm thinking of, which is and could it could be a possibility is so with superannuation, there's two there's there's there's basically, like, two ways that things can be paid when you hit 60.","start":1250.67,"end":1269.1,"sentiment":"neutral","sentiment_score":0.10870269523599209},{"text":"There's either a benefit payment or a pension payment.","start":1269.1,"end":1271.52,"sentiment":"neutral","sentiment_score":-0.005695878631538815},{"text":"A pension payment is considered income.","start":1271.9,"end":1273.74,"sentiment":"neutral","sentiment_score":-0.06321750457088153},{"text":"A benefit payment's not.","start":1273.74,"end":1275.2001,"sentiment":"neutral","sentiment_score":-0.18059498816728592},{"text":"So what you could actually do is","start":1275.9,"end":1278.56,"sentiment":"neutral","sentiment_score":0.06096208414861134}],"sentiment":"neutral","sentiment_score":0.054049104853318285,"channel":0,"num_words":65,"start":1250.67,"end":1278.56},{"sentences":[{"text":"Say that again, please?","start":1279.035,"end":1280.01,"sentiment":"neutral","sentiment_score":0.012822946067899466},{"text":"What?","start":1280.01,"end":1280.51,"sentiment":"neutral","sentiment_score":-0.08703925460577011}],"sentiment":"neutral","sentiment_score":-0.00714949406683445,"channel":1,"num_words":5,"start":1279.035,"end":1280.51},{"sentences":[{"text":"sorry.","start":1280.7749,"end":1281.2749,"sentiment":"neutral","sentiment_score":-0.09218443930149078},{"text":"So with the superannuation,","start":1281.335,"end":1282.475,"sentiment":"neutral","sentiment_score":0.014069694094359875}],"sentiment":"neutral","sentiment_score":-0.007181132584810257,"channel":0,"num_words":5,"start":1280.7749,"end":1282.475},{"sentences":[{"text":"Yeah.","start":1283.45,"end":1283.95,"sentiment":"neutral","sentiment_score":0.09523893147706984}],"sentiment":"neutral","sentiment_score":0.09523893147706984,"channel":1,"num_words":1,"start":1283.45,"end":1283.95},{"sentences":[{"text":"you could either have the money paid to you under a pension payment, which","start":1283.495,"end":1288.2949,"sentiment":"neutral","sentiment_score":0.09432448021003179}],"sentiment":"neutral","sentiment_score":0.09432448021003179,"channel":0,"num_words":14,"start":1283.495,"end":1288.2949},{"sentences":[{"text":"Mention?","start":1288.17,"end":1288.67,"sentiment":"neutral","sentiment_score":0.06728202104568481}],"sentiment":"neutral","sentiment_score":0.06728202104568481,"channel":1,"num_words":1,"start":1288.17,"end":1288.67},{"sentences":[{"text":"is income, because it's an income 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the offset account type of thing.","start":1306.905,"end":1325.1499,"sentiment":"neutral","sentiment_score":0.13163063319963078},{"text":"And then every year, do the same sort of thing.","start":1325.7699,"end":1329.63,"sentiment":"neutral","sentiment_score":0.1310102090239525},{"text":"Pay out a lump sum.","start":1330.0099,"end":1331.23,"sentiment":"neutral","sentiment_score":0.1304018422961235},{"text":"And I know it sounds weird because, ultimately, like, at the time that you pull the money, you're not gonna be retired.","start":1331.2899,"end":1338.115,"sentiment":"neutral","sentiment_score":-0.04873316989026286}],"sentiment":"neutral","sentiment_score":0.0775689165569654,"channel":0,"num_words":119,"start":1292.34,"end":1338.115},{"sentences":[{"text":"But there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60.","start":1338.575,"end":1353.3301,"sentiment":"neutral","sentiment_score":-0.08070051316171885},{"text":"Not that you are still ceased, but that you have ceased.","start":1353.4701,"end":1356.6901,"sentiment":"neutral","sentiment_score":-0.08218534900383516},{"text":"So because you've turned 60 and then you have ceased a gainful employment contract, you","start":1356.99,"end":1363.455,"sentiment":"neutral","sentiment_score":0.01450936570763588}],"sentiment":"neutral","sentiment_score":-0.0500088829709136,"channel":0,"num_words":46,"start":1338.575,"end":1363.455},{"sentences":[{"text":"Yep.","start":1363.4049,"end":1363.83,"sentiment":"neutral","sentiment_score":0.1445130705833435}],"sentiment":"neutral","sentiment_score":0.1445130705833435,"channel":1,"num_words":1,"start":1363.4049,"end":1363.83},{"sentences":[{"text":"could still in the future access those 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of the understanding that you had to take it all or not.","start":1372.6299,"end":1376.71,"sentiment":"neutral","sentiment_score":-0.07860454246401787},{"text":"All or nothing?","start":1376.71,"end":1377.61,"sentiment":"neutral","sentiment_score":-0.06304111455877622},{"text":"Or or the But, yeah, you either had to do the income stream or you had to take the entire lump sum.","start":1379.2649,"end":1384.065,"sentiment":"neutral","sentiment_score":-0.07654621350494298},{"text":"So what you're saying is now we can do a a twelve month lump sum.","start":1384.065,"end":1389.0449,"sentiment":"neutral","sentiment_score":0.15847535977760951}],"sentiment":"neutral","sentiment_score":-0.01227414147420363,"channel":1,"num_words":55,"start":1372.6299,"end":1389.0449},{"sentences":[{"text":"Yeah.","start":1390.095,"end":1390.335,"sentiment":"neutral","sentiment_score":0.06480229645967484},{"text":"Like, you could turn around let's say on on the I was gonna say the thirty 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$52.","start":1398.095,"end":1403.8999,"sentiment":"neutral","sentiment_score":0.05065494083932468},{"text":"That's,","start":1404.2,"end":1404.7,"sentiment":"neutral","sentiment_score":0.07840250432491302}],"sentiment":"neutral","sentiment_score":0.05250477840503057,"channel":0,"num_words":15,"start":1398.095,"end":1404.7},{"sentences":[{"text":"Mhmm.","start":1404.695,"end":1405.195,"sentiment":"neutral","sentiment_score":0.06727690994739532}],"sentiment":"neutral","sentiment_score":0.06727690994739532,"channel":1,"num_words":1,"start":1404.695,"end":1405.195},{"sentences":[{"text":"you know, that's enough to cover, you know, my mortgage repayments and give 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that money, put it into your","start":1418.295,"end":1419.995,"sentiment":"neutral","sentiment_score":0.12255002238920756}],"sentiment":"neutral","sentiment_score":0.050290056235260436,"channel":0,"num_words":45,"start":1408.9199,"end":1419.995},{"sentences":[{"text":"Yeah.","start":1420.49,"end":1420.99,"sentiment":"neutral","sentiment_score":0.06969211995601654}],"sentiment":"neutral","sentiment_score":0.06969211995601654,"channel":1,"num_words":1,"start":1420.49,"end":1420.99},{"sentences":[{"text":"offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve 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and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how","start":1450.8049,"end":1472.625,"sentiment":"neutral","sentiment_score":0.04215727350179185}],"sentiment":"neutral","sentiment_score":0.04587874882945828,"channel":0,"num_words":51,"start":1446.725,"end":1472.625},{"sentences":[{"text":"Yeah.","start":1472.6,"end":1473.1,"sentiment":"neutral","sentiment_score":0.04103457555174827}],"sentiment":"neutral","sentiment_score":0.04103457555174827,"channel":1,"num_words":1,"start":1472.6,"end":1473.1},{"sentences":[{"text":"you have your current arrangement set.","start":1472.625,"end":1474.4049,"sentiment":"neutral","sentiment_score":0.029929634804526966},{"text":"And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown 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yeah.","start":1514.8099,"end":1515.69,"sentiment":"neutral","sentiment_score":0.07132967561483383},{"text":"Two two years, eighteen months.","start":1515.69,"end":1517.39,"sentiment":"neutral","sentiment_score":0.04896577000617981},{"text":"Yeah.","start":1518.01,"end":1518.33,"sentiment":"neutral","sentiment_score":0.1547650694847107},{"text":"Absolutely.","start":1518.33,"end":1518.83,"sentiment":"neutral","sentiment_score":0.2192819118499756},{"text":"Do the same thing.","start":1519.0499,"end":1519.9299,"sentiment":"neutral","sentiment_score":0.1972595378756523}],"sentiment":"neutral","sentiment_score":0.11288217902183532,"channel":0,"num_words":15,"start":1514.8099,"end":1519.9299},{"sentences":[{"text":"That would cover you to child support.","start":1519.9299,"end":1522.11,"sentiment":"neutral","sentiment_score":0.1566916470016752},{"text":"It means you're not pulling.","start":1522.25,"end":1523.63,"sentiment":"neutral","sentiment_score":0.12238399982452393},{"text":"And, 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have changed.","start":1917.41,"end":1918.2101,"sentiment":"neutral","sentiment_score":-0.2482306957244873},{"text":"Yeah.","start":1918.2101,"end":1918.4501,"sentiment":"neutral","sentiment_score":-0.01927471160888672},{"text":"So","start":1918.4501,"end":1918.61,"sentiment":"neutral","sentiment_score":0.004029594361782074}],"sentiment":"neutral","sentiment_score":-0.1519874408841133,"channel":0,"num_words":5,"start":1917.41,"end":1918.61},{"sentences":[{"text":"Oh,","start":1918.535,"end":1919.035,"sentiment":"neutral","sentiment_score":0.06832914799451828}],"sentiment":"neutral","sentiment_score":0.06832914799451828,"channel":1,"num_words":1,"start":1918.535,"end":1919.035},{"sentences":[{"text":"if you just had a a dollar figure, 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it.","start":2220.585,"end":2221.305,"sentiment":"neutral","sentiment_score":0.1556020826101303},{"text":"That is for everything all up.","start":2221.305,"end":2223.885,"sentiment":"neutral","sentiment_score":0.2215071345369021},{"text":"Ongoing, we have a tiered fee structure.","start":2225.19,"end":2230.89,"sentiment":"neutral","sentiment_score":0.21605446934700012}],"sentiment":"neutral","sentiment_score":0.19151044597751216,"channel":0,"num_words":38,"start":2211.545,"end":2230.89},{"sentences":[{"text":"It's all based on the funds under management and what we're ultimately doing for you.","start":2231.11,"end":2236.395,"sentiment":"neutral","sentiment_score":0.28978345890839896},{"text":"All of the fees would be detailed in the statement of advice clearly.","start":2236.475,"end":2240.0151,"sentiment":"neutral","sentiment_score":0.20472884063537305},{"text":"They're written about four different places throughout the document, so we don't hide it.","start":2240.395,"end":2244.175,"sentiment":"neutral","sentiment_score":0.13606352252619608}],"sentiment":"neutral","sentiment_score":0.21221705064887092,"channel":0,"num_words":42,"start":2231.11,"end":2244.175},{"sentences":[{"text":"Yep.","start":2244.17,"end":2244.67,"sentiment":"neutral","sentiment_score":0.13241350650787354}],"sentiment":"neutral","sentiment_score":0.13241350650787354,"channel":1,"num_words":1,"start":2244.17,"end":2244.67},{"sentences":[{"text":"And they're all listed there.","start":2245.595,"end":2246.715,"sentiment":"neutral","sentiment_score":0.15569246113300322},{"text":"Our fees are also broken down on the financial services guide, which I believe was attached to the invite card invite?","start":2246.715,"end":2255.73,"sentiment":"neutral","sentiment_score":0.12658247422604335}],"sentiment":"neutral","sentiment_score":0.13218054863122794,"channel":0,"num_words":26,"start":2245.595,"end":2255.73},{"sentences":[{"text":"Okay.","start":2256.2551,"end":2256.7551,"sentiment":"neutral","sentiment_score":-0.014004532247781754}],"sentiment":"neutral","sentiment_score":-0.014004532247781754,"channel":1,"num_words":1,"start":2256.2551,"end":2256.7551},{"sentences":[{"text":"I might be mistaken.","start":2256.27,"end":2257.25,"sentiment":"neutral","sentiment_score":-0.11125664412975311},{"text":"No.","start":2257.95,"end":2258.19,"sentiment":"neutral","sentiment_score":-0.2282889783382416},{"text":"It's not.","start":2258.19,"end":2258.99,"sentiment":"neutral","sentiment_score":-0.19259171187877655},{"text":"I 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email that to you so that way it sort of breaks it down.","start":2268.045,"end":2271.085,"sentiment":"neutral","sentiment_score":0.17428558568159738}],"sentiment":"neutral","sentiment_score":0.08170185497063877,"channel":0,"num_words":35,"start":2259.31,"end":2271.085},{"sentences":[{"text":"It's a little bit easier to see than for me to explain.","start":2271.085,"end":2273.265,"sentiment":"neutral","sentiment_score":0.17247744339207807},{"text":"So yeah.","start":2275.645,"end":2276.205,"sentiment":"positive","sentiment_score":0.39029939472675323},{"text":"So I I'm more than happy to go through and and do that and and break everything down.","start":2276.205,"end":2281.76,"sentiment":"positive","sentiment_score":0.7364120218488905},{"text":"If you do want me to dig into things, I do need to, I guess, ask a few other questions.","start":2281.9001,"end":2286.08,"sentiment":"neutral","sentiment_score":0.3219186745584011},{"text":"And it's like general questions like your date of birth, your actual your address,","start":2287.1802,"end":2292.0,"sentiment":"neutral","sentiment_score":0.17104686796665192}],"sentiment":"positive","sentiment_score":0.3778602143354488,"channel":0,"num_words":66,"start":2271.085,"end":2292.0},{"sentences":[{"text":"Yep.","start":2292.405,"end":2292.78,"sentiment":"neutral","sentiment_score":0.2626701295375824}],"sentiment":"neutral","sentiment_score":0.2626701295375824,"channel":1,"num_words":1,"start":2292.405,"end":2292.78},{"sentences":[{"text":"you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth.","start":2293.075,"end":2304.195,"sentiment":"neutral","sentiment_score":0.2287848363904392},{"text":"So that way I can actually dig into the numbers.","start":2304.195,"end":2306.695,"sentiment":"neutral","sentiment_score":0.3051815152168274}],"sentiment":"neutral","sentiment_score":0.24614771794189105,"channel":0,"num_words":44,"start":2293.075,"end":2306.695},{"sentences":[{"text":"Yes.","start":2307.58,"end":2308.08,"sentiment":"neutral","sentiment_score":0.3019776940345764}],"sentiment":"neutral","sentiment_score":0.3019776940345764,"channel":1,"num_words":1,"start":2307.58,"end":2308.08},{"sentences":[{"text":"And then from there, deliver the advice.","start":2308.3499,"end":2313.17,"sentiment":"neutral","sentiment_score":0.27997221265520367},{"text":"So, theoretically speaking, if you're wanting it turned around by the end of the month, I can definitely do that, But that would be very much dependent on you guys getting me the documents.","start":2313.63,"end":2324.005,"sentiment":"neutral","sentiment_score":0.11855884685235865}],"sentiment":"neutral","sentiment_score":0.14611722637967364,"channel":0,"num_words":41,"start":2308.3499,"end":2324.005},{"sentences":[{"text":"Yes.","start":2324.75,"end":2325.25,"sentiment":"neutral","sentiment_score":0.1708153784275055}],"sentiment":"neutral","sentiment_score":0.1708153784275055,"channel":1,"num_words":1,"start":2324.75,"end":2325.25},{"sentences":[{"text":"Providing I've had all the documents from you within the next, say, probably ten days, so no later than, like, Monday, Tuesday, the twentieth, twenty first, I would be able to turn the advice around by the beginning of the week of the twenty seventh, twenty eighth.","start":2325.025,"end":2342.8098,"sentiment":"positive","sentiment_score":0.35539890476997865},{"text":"So that way, you had all the information, and we had the time to be able to execute by the thirty first ish.","start":2342.95,"end":2351.635,"sentiment":"positive","sentiment_score":0.3748775487360747}],"sentiment":"positive","sentiment_score":0.36179903064455304,"channel":0,"num_words":70,"start":2325.025,"end":2351.635},{"sentences":[{"text":"Yep.","start":2351.52,"end":2352.0,"sentiment":"neutral","sentiment_score":0.008937006816267967},{"text":"Okay.","start":2352.0,"end":2352.4001,"sentiment":"neutral","sentiment_score":-0.04915020242333412},{"text":"Well, I was saying but well, there's probably some more thinking we obviously gotta do about that.","start":2352.4001,"end":2357.06,"sentiment":"negative","sentiment_score":-0.34414011152351603},{"text":"Mhmm.","start":2357.2,"end":2357.7,"sentiment":"neutral","sentiment_score":-0.07902626693248749},{"text":"But Yep.","start":2358.24,"end":2360.92,"sentiment":"neutral","sentiment_score":-0.06178278848528862}],"sentiment":"neutral","sentiment_score":-0.27696304251863196,"channel":1,"num_words":22,"start":2351.52,"end":2360.92},{"sentences":[{"text":"Something to think about.","start":2361.12,"end":2362.26,"sentiment":"neutral","sentiment_score":-0.0752789443358779}],"sentiment":"neutral","sentiment_score":-0.0752789443358779,"channel":1,"num_words":4,"start":2361.12,"end":2362.26},{"sentences":[{"text":"Absolutely.","start":2361.855,"end":2362.355,"sentiment":"neutral","sentiment_score":0.017771456390619278},{"text":"No.","start":2363.12,"end":2363.28,"sentiment":"neutral","sentiment_score":-0.19929273426532745},{"text":"That's completely okay.","start":2363.28,"end":2365.1401,"sentiment":"neutral","sentiment_score":-0.0658031478524208},{"text":"Some like, look.","start":2365.52,"end":2366.24,"sentiment":"neutral","sentiment_score":0.0010780406494935353},{"text":"Sometimes I meet with clients and it is just information.","start":2366.24,"end":2370.34,"sentiment":"neutral","sentiment_score":0.03735211100429296}],"sentiment":"neutral","sentiment_score":-0.0001208605244755745,"channel":0,"num_words":18,"start":2361.855,"end":2370.34},{"sentences":[{"text":"I swear about 50% of my my job is education","start":2370.4001,"end":2374.18,"sentiment":"neutral","sentiment_score":0.02310105562210083}],"sentiment":"neutral","sentiment_score":0.02310105562210083,"channel":0,"num_words":10,"start":2370.4001,"end":2374.18},{"sentences":[{"text":"Yep.","start":2374.845,"end":2375.345,"sentiment":"neutral","sentiment_score":-0.019553251564502716}],"sentiment":"neutral","sentiment_score":-0.019553251564502716,"channel":1,"num_words":1,"start":2374.845,"end":2375.345},{"sentences":[{"text":"because, unfortunately, they don't teach it in 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and, you know, I've had clients I've been in the industry for a little over ten years, and I've had clients for just as long.","start":2385.5051,"end":2397.1802,"sentiment":"neutral","sentiment_score":0.1262487526096049},{"text":"And still, I teach them new things every year.","start":2397.8801,"end":2401.1602,"sentiment":"neutral","sentiment_score":0.24787149764597416}],"sentiment":"neutral","sentiment_score":0.11271544323036713,"channel":0,"num_words":56,"start":2381.985,"end":2401.1602},{"sentences":[{"text":"So more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at.","start":2401.1602,"end":2419.19,"sentiment":"positive","sentiment_score":0.7363323161476537}],"sentiment":"positive","sentiment_score":0.7363323161476537,"channel":0,"num_words":57,"start":2401.1602,"end":2419.19},{"sentences":[{"text":"Yep.","start":2419.3599,"end":2419.52,"sentiment":"neutral","sentiment_score":0.28058719635009766},{"text":"Yep.","start":2419.52,"end":2420.02,"sentiment":"neutral","sentiment_score":0.2997939884662628}],"sentiment":"neutral","sentiment_score":0.29019059240818024,"channel":1,"num_words":2,"start":2419.3599,"end":2420.02},{"sentences":[{"text":"And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those.","start":2421.01,"end":2427.25,"sentiment":"positive","sentiment_score":0.4073326696049083},{"text":"And, look, it doesn't have to be prior to the end of this month.","start":2427.25,"end":2430.8699,"sentiment":"neutral","sentiment_score":0.2444326047386442},{"text":"You know, if you guys wanna go and execute what we've kinda talked about, whether that is the full lump sum of 400,000, whether that's, you know, two years worth of the mortgage repayments or whatever the case may be that you guys decide, that's that's that's completely okay.","start":2431.41,"end":2445.985,"sentiment":"neutral","sentiment_score":0.2997725250161424},{"text":"And, you know, you can always loop back around, and we can have a chat at a later date when things are maybe a little less little less stressful and when you've maybe had a chance to enjoy 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true.","start":2462.6052,"end":2463.3452,"sentiment":"neutral","sentiment_score":0.14733199030160904},{"text":"Alright.","start":2463.405,"end":2463.885,"sentiment":"neutral","sentiment_score":0.14235875010490415}],"sentiment":"neutral","sentiment_score":0.12914378196001053,"channel":1,"num_words":6,"start":2461.245,"end":2463.885},{"sentences":[{"text":"Okay.","start":2463.885,"end":2464.385,"sentiment":"neutral","sentiment_score":0.11259478330612184},{"text":"Alright.","start":2464.5251,"end":2465.0251,"sentiment":"neutral","sentiment_score":0.11549383401870728},{"text":"Well, my brain's probably full at this point.","start":2466.4602,"end":2468.1401,"sentiment":"neutral","sentiment_score":-0.0520601780153811},{"text":"Yeah.","start":2468.1401,"end":2468.6401,"sentiment":"neutral","sentiment_score":0.03694506362080574},{"text":"Yeah.","start":2468.86,"end":2469.1,"sentiment":"neutral","sentiment_score":0.06454404443502426}],"sentiment":"neutral","sentiment_score":-0.00724197489519914,"channel":1,"num_words":12,"start":2463.885,"end":2469.1},{"sentences":[{"text":"I'm just","start":2469.1,"end":2469.4202,"sentiment":"neutral","sentiment_score":0.09007919207215309}],"sentiment":"neutral","sentiment_score":0.09007919207215309,"channel":1,"num_words":2,"start":2469.1,"end":2469.4202},{"sentences":[{"text":"Yep.","start":2469.355,"end":2469.855,"sentiment":"neutral","sentiment_score":0.09782084822654724}],"sentiment":"neutral","sentiment_score":0.09782084822654724,"channel":0,"num_words":1,"start":2469.355,"end":2469.855},{"sentences":[{"text":"gonna so now you've you've I guess it all now.","start":2469.4202,"end":2472.62,"sentiment":"neutral","sentiment_score":0.15756771117448806},{"text":"You've definitely give it some some things we didn't know about, some other options, which is interesting.","start":2472.62,"end":2478.4001,"sentiment":"neutral","sentiment_score":0.20265241580850937},{"text":"So whether that's going to be beneficial Yep.","start":2478.62,"end":2483.115,"sentiment":"neutral","sentiment_score":0.25834283605217934}],"sentiment":"neutral","sentiment_score":0.2025003105401993,"channel":1,"num_words":35,"start":2469.4202,"end":2483.115},{"sentences":[{"text":"If you run into any other questions or have any","start":2482.73,"end":2485.47,"sentiment":"neutral","sentiment_score":0.06667887270450593}],"sentiment":"neutral","sentiment_score":0.06667887270450593,"channel":0,"num_words":10,"start":2482.73,"end":2485.47},{"sentences":[{"text":"For","start":2485.2449,"end":2485.4949,"sentiment":"neutral","sentiment_score":0.03056684322655201}],"sentiment":"neutral","sentiment_score":0.03056684322655201,"channel":1,"num_words":1,"start":2485.2449,"end":2485.4949},{"sentences":[{"text":"any concerns, you have my email address.","start":2485.69,"end":2488.81,"sentiment":"neutral","sentiment_score":0.053831765694277625},{"text":"Feel free to flick an email through","start":2488.81,"end":2490.67,"sentiment":"neutral","sentiment_score":0.10055802868945259}],"sentiment":"neutral","sentiment_score":0.0771948971918651,"channel":0,"num_words":14,"start":2485.69,"end":2490.67},{"sentences":[{"text":"okay.","start":2491.015,"end":2491.515,"sentiment":"neutral","sentiment_score":0.10240314900875092}],"sentiment":"neutral","sentiment_score":0.10240314900875092,"channel":1,"num_words":1,"start":2491.015,"end":2491.515},{"sentences":[{"text":"and say, hey.","start":2491.935,"end":2492.895,"sentiment":"neutral","sentiment_score":0.10936910410722096},{"text":"I had a few questions.","start":2492.895,"end":2494.0352,"sentiment":"neutral","sentiment_score":0.0992959976196289},{"text":"It's these ones.","start":2494.175,"end":2495.3152,"sentiment":"neutral","sentiment_score":0.09369288136561711}],"sentiment":"neutral","sentiment_score":0.1005150858651508,"channel":0,"num_words":11,"start":2491.935,"end":2495.3152},{"sentences":[{"text":"Yep.","start":2495.83,"end":2496.33,"sentiment":"neutral","sentiment_score":0.15896187722682953}],"sentiment":"neutral","sentiment_score":0.15896187722682953,"channel":1,"num_words":1,"start":2495.83,"end":2496.33},{"sentences":[{"text":"I'm free at this time, and I can add hot call you.","start":2495.935,"end":2499.155,"sentiment":"neutral","sentiment_score":0.17032352834939957},{"text":"Or if they're easy enough, it's just sometimes questions that are a little bit more complex in nature are a little bit easier to explain over the phone than in an email.","start":2499.375,"end":2507.37,"sentiment":"neutral","sentiment_score":0.14720076601952314},{"text":"I always try","start":2507.51,"end":2508.23,"sentiment":"neutral","sentiment_score":0.1917265752951304}],"sentiment":"neutral","sentiment_score":0.1559465229511261,"channel":0,"num_words":47,"start":2495.935,"end":2508.23},{"sentences":[{"text":"Yep.","start":2508.095,"end":2508.595,"sentiment":"neutral","sentiment_score":0.1754535734653473}],"sentiment":"neutral","sentiment_score":0.1754535734653473,"channel":1,"num_words":1,"start":2508.095,"end":2508.595},{"sentences":[{"text":"to email the answer, but sometimes it's easier to follow-up with with a call as well.","start":2508.23,"end":2512.07,"sentiment":"neutral","sentiment_score":0.16857461538165808},{"text":"So if you flick an email through and say, these are the questions.","start":2512.07,"end":2514.71,"sentiment":"neutral","sentiment_score":0.10872654903393525},{"text":"This is what I wanna know.","start":2514.71,"end":2516.09,"sentiment":"neutral","sentiment_score":0.13464519257346788},{"text":"Call me around this time,","start":2516.31,"end":2518.01,"sentiment":"neutral","sentiment_score":0.08825664818286896}],"sentiment":"neutral","sentiment_score":0.133994834497571,"channel":0,"num_words":40,"start":2508.23,"end":2518.01},{"sentences":[{"text":"Yep.","start":2518.1648,"end":2518.4148,"sentiment":"neutral","sentiment_score":0.100162073969841}],"sentiment":"neutral","sentiment_score":0.100162073969841,"channel":1,"num_words":1,"start":2518.1648,"end":2518.4148},{"sentences":[{"text":"I will","start":2518.175,"end":2518.4949,"sentiment":"neutral","sentiment_score":0.15021326392889023}],"sentiment":"neutral","sentiment_score":0.15021326392889023,"channel":0,"num_words":2,"start":2518.175,"end":2518.4949},{"sentences":[{"text":"Yeah.","start":2518.4148,"end":2518.9148,"sentiment":"neutral","sentiment_score":0.1335226744413376}],"sentiment":"neutral","sentiment_score":0.1335226744413376,"channel":1,"num_words":1,"start":2518.4148,"end":2518.9148},{"sentences":[{"text":"do so.","start":2518.4949,"end":2518.895,"sentiment":"neutral","sentiment_score":0.1735413298010826},{"text":"I obviously, you're school based, so you're","start":2518.895,"end":2521.935,"sentiment":"neutral","sentiment_score":0.06902210041880608}],"sentiment":"neutral","sentiment_score":0.09224859583708975,"channel":0,"num_words":9,"start":2518.4949,"end":2521.935},{"sentences":[{"text":"Yeah.","start":2521.9348,"end":2522.4348,"sentiment":"neutral","sentiment_score":0.0415065698325634}],"sentiment":"neutral","sentiment_score":0.0415065698325634,"channel":1,"num_words":1,"start":2521.9348,"end":2522.4348},{"sentences":[{"text":"only available after school time.","start":2521.935,"end":2523.715,"sentiment":"neutral","sentiment_score":0.043418730795383456},{"text":"I'm pretty flexible.","start":2524.175,"end":2525.955,"sentiment":"neutral","sentiment_score":0.23614666859308878},{"text":"I generally work until much to my husband's and children's discussed till, like, 07:00 at night or later.","start":2526.415,"end":2532.675,"sentiment":"neutral","sentiment_score":0.18033015686604711},{"text":"So I'm more than happy to make that call in the afternoon or the evening.","start":2533.31,"end":2538.85,"sentiment":"positive","sentiment_score":0.4576453983783722},{"text":"I can","start":2538.99,"end":2539.39,"sentiment":"neutral","sentiment_score":0.23699021339416504}],"sentiment":"neutral","sentiment_score":0.2676776252513708,"channel":0,"num_words":43,"start":2521.935,"end":2539.39},{"sentences":[{"text":"Okay.","start":2539.155,"end":2539.655,"sentiment":"neutral","sentiment_score":0.22328174114227295}],"sentiment":"neutral","sentiment_score":0.22328174114227295,"channel":1,"num_words":1,"start":2539.155,"end":2539.655},{"sentences":[{"text":"have dinner with you and have a chat.","start":2539.39,"end":2542.21,"sentiment":"positive","sentiment_score":0.3399316444993019}],"sentiment":"positive","sentiment_score":0.3399316444993019,"channel":0,"num_words":8,"start":2539.39,"end":2542.21},{"sentences":[{"text":"Alright.","start":2543.7952,"end":2544.2952,"sentiment":"neutral","sentiment_score":0.20943789184093475},{"text":"Okay.","start":2544.5151,"end":2545.0151,"sentiment":"neutral","sentiment_score":0.1204751580953598},{"text":"No.","start":2545.635,"end":2545.7952,"sentiment":"neutral","sentiment_score":0.03152932599186897},{"text":"That that's good.","start":2545.7952,"end":2546.675,"sentiment":"neutral","sentiment_score":0.2736913462479909},{"text":"Yeah.","start":2546.675,"end":2547.175,"sentiment":"neutral","sentiment_score":0.2589167058467865}],"sentiment":"neutral","sentiment_score":0.20591901721698896,"channel":1,"num_words":7,"start":2543.7952,"end":2547.175},{"sentences":[{"text":"Certainly give us given us some more things to think about Yep.","start":2547.3152,"end":2549.875,"sentiment":"neutral","sentiment_score":0.2131954071422418},{"text":"We weren't aware of.","start":2550.0352,"end":2550.915,"sentiment":"neutral","sentiment_score":0.015068935230374336},{"text":"So yeah.","start":2550.915,"end":2551.235,"sentiment":"neutral","sentiment_score":0.12051926180720329},{"text":"Yes.","start":2551.235,"end":2551.475,"sentiment":"neutral","sentiment_score":0.16240617632865906},{"text":"Definitely.","start":2551.475,"end":2551.975,"sentiment":"positive","sentiment_score":0.3578818440437317}],"sentiment":"neutral","sentiment_score":0.1689973585307598,"channel":1,"num_words":20,"start":2547.3152,"end":2551.975},{"sentences":[{"text":"Wonderful.","start":2552.75,"end":2553.15,"sentiment":"positive","sentiment_score":0.6761234402656555},{"text":"We will that.","start":2553.15,"end":2556.0098,"sentiment":"positive","sentiment_score":0.5195621450742086},{"text":"Yep.","start":2556.2966,"end":2556.7966,"sentiment":"neutral","sentiment_score":0.17179259657859802}],"sentiment":"positive","sentiment_score":0.4813204944133759,"channel":1,"num_words":5,"start":2552.75,"end":2556.7966},{"sentences":[{"text":"Well,","start":2557.02,"end":2557.5,"sentiment":"neutral","sentiment_score":0.11389920860528946}],"sentiment":"neutral","sentiment_score":0.11389920860528946,"channel":0,"num_words":1,"start":2557.02,"end":2557.5},{"sentences":[{"text":"Yep.","start":2557.0833,"end":2557.5833,"sentiment":"neutral","sentiment_score":0.08999168872833252}],"sentiment":"neutral","sentiment_score":0.08999168872833252,"channel":1,"num_words":1,"start":2557.0833,"end":2557.5833},{"sentences":[{"text":"if there's","start":2557.5,"end":2557.9001,"sentiment":"neutral","sentiment_score":0.05737988464534283}],"sentiment":"neutral","sentiment_score":0.05737988464534283,"channel":0,"num_words":2,"start":2557.5,"end":2557.9001},{"sentences":[{"text":"Yep.","start":2557.8699,"end":2558.3699,"sentiment":"neutral","sentiment_score":0.04052375257015228}],"sentiment":"neutral","sentiment_score":0.04052375257015228,"channel":1,"num_words":1,"start":2557.8699,"end":2558.3699},{"sentences":[{"text":"ever anything else, let me know.","start":2557.9001,"end":2559.68,"sentiment":"neutral","sentiment_score":0.08998561029632886},{"text":"But otherwise, you guys go and talk amongst yourselves and, yeah, feel free to email me.","start":2559.82,"end":2563.92,"sentiment":"neutral","sentiment_score":0.15637689596042037}],"sentiment":"neutral","sentiment_score":0.13827018168839542,"channel":0,"num_words":22,"start":2557.9001,"end":2563.92},{"sentences":[{"text":"Alright.","start":2563.95,"end":2564.27,"sentiment":"neutral","sentiment_score":0.24219195544719696},{"text":"Alright.","start":2564.27,"end":2564.51,"sentiment":"positive","sentiment_score":0.3361166715621948},{"text":"Thank you very much.","start":2564.51,"end":2565.31,"sentiment":"positive","sentiment_score":0.7569150328636169},{"text":"Thank thank you for your time.","start":2565.31,"end":2566.8499,"sentiment":"positive","sentiment_score":0.753677894671758}],"sentiment":"positive","sentiment_score":0.677336343874534,"channel":1,"num_words":12,"start":2563.95,"end":2566.8499},{"sentences":[{"text":"My pleasure.","start":2567.58,"end":2568.3,"sentiment":"positive","sentiment_score":0.7760940492153168},{"text":"Thank you so much for taking the time to chat with me.","start":2568.3,"end":2570.22,"sentiment":"positive","sentiment_score":0.8444068233172098},{"text":"I really appreciate it, and good luck.","start":2570.22,"end":2572.239,"sentiment":"positive","sentiment_score":0.8235702003751483}],"sentiment":"positive","sentiment_score":0.8309553038506281,"channel":0,"num_words":21,"start":2567.58,"end":2572.239},{"sentences":[{"text":"Thank you.","start":2573.085,"end":2573.7449,"sentiment":"positive","sentiment_score":0.6932601928710938},{"text":"Okay.","start":2573.805,"end":2574.305,"sentiment":"positive","sentiment_score":0.3570901155471802},{"text":"Bye bye.","start":2574.605,"end":2575.345,"sentiment":"neutral","sentiment_score":0.2712589204311371}],"sentiment":"positive","sentiment_score":0.45722566843032836,"channel":1,"num_words":5,"start":2573.085,"end":2575.345},{"sentences":[{"text":"Bye, guys.","start":2575.519,"end":2576.179,"sentiment":"neutral","sentiment_score":0.06747897714376451}],"sentiment":"neutral","sentiment_score":0.06747897714376451,"channel":0,"num_words":2,"start":2575.519,"end":2576.179}]},"summary":{"result":"success","short":"Larissa from Oakview Financial discusses their plan to pay out their mortgage and use their income stream to pay out the mortgage, including the negative impact on their credit score. They also discuss their financial situation, including their child support payments and the possibility of child support. The speaker emphasizes the benefits of a super fund and how it can extend beyond income needs and cover child support arrangements. They explain their retirement plans and how to access funds from a superannuity account. The speaker provides guidance on managing their financial situation, including managing their income and expenses, managing their retirement funds, and adjusting their fees. They offer a free advice stage and explain their fees and provide detailed explanations for each fee. The speaker is flexible and available for appointments."},"intents":{"segments":[{"text":"So they I said, oh, well, I'll I'll come up with an arrangement. So I talked to my daughter, and she was happy to come out so we we can do the the minimum fifty two nights that kept it at five hundred a fortnight. Yep.","start_word":727,"end_word":772,"intents":[{"intent":"Negotiate arrangement","confidence_score":0.08511202}]},{"text":"If you went with the income stream, it's not just gonna be to your your income needs. It's gonna extend beyond that. It's gonna have to obviously cover the the child support arrangements.","start_word":1177,"end_word":1209,"intents":[{"intent":"Evaluate super fund coverage","confidence_score":0.013212382}]},{"text":"So if I'm looking at fortnightly fortnightly figures, if I was getting 1,600 from an income stream and working one day TRS and the the three days groundsman, it gives me a total income about 3,600.","start_word":1658,"end_word":1693,"intents":[{"intent":"Consolidate income","confidence_score":0.0029202509}]},{"text":"So upon your termination of contract, I'm assuming that there's going to be a push to request to pay? Yep.","start_word":2482,"end_word":2501,"intents":[{"intent":"Request payment","confidence_score":0.06283014}]},{"text":"So it's where you can basically have the two super funds. One's a pension account. One's what's called an accumulation account, which is what you hold now. Yes.","start_word":2582,"end_word":2609,"intents":[{"intent":"Carry super funds","confidence_score":0.001082866}]},{"text":"So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation.","start_word":2649,"end_word":2700,"intents":[{"intent":"Obtain lump sum figure","confidence_score":0.0002558948}]},{"text":"the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract. But I have also seen RemServ contract. So it wasn't RemServ. It was Maxi. Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay.","start_word":2953,"end_word":3014,"intents":[{"intent":"Finalize pay","confidence_score":0.0073101674}]},{"text":"There's either a benefit payment or a pension payment.","start_word":3118,"end_word":3126,"intents":[{"intent":"Discuss benefits and lump sums","confidence_score":0.01816668}]},{"text":"But there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60. Not that you are still ceased, but that you have ceased. So because you've turned 60 and then you have ceased a gainful employment contract, you Yep. could still in the future access those funds. Okay.","start_word":3297,"end_word":3352,"intents":[{"intent":"Discuss preservation of employment to funds","confidence_score":5.0077222e-8}]},{"text":"So what you're saying is now we can do a a twelve month lump sum.","start_word":3412,"end_word":3426,"intents":[{"intent":"Inquire about the need for a twelve month lump sum","confidence_score":0.000044056418}]},{"text":"Take that money, put it into your Yeah. offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve months. Yeah. Yeah.","start_word":3519,"end_word":3552,"intents":[{"intent":"Specify repayment amount","confidence_score":0.00043144153}]},{"text":"So, you know, pull out, say, 32,000, pop that into the, like, offset, and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how Yeah.","start_word":3580,"end_word":3627,"intents":[{"intent":"Explain payment instructions","confidence_score":0.066107765},{"intent":"Discuss payment instructions","confidence_score":0.0012531015}]},{"text":"you have your current arrangement set. And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown in twelve months' time. Okay. Okay.","start_word":3628,"end_word":3673,"intents":[{"intent":"Confirm arrangement","confidence_score":0.022480534}]},{"text":"Could I just do a draw down? If you're gonna say more regularly than that, I e quarterly or fortnightly, no. That's then considered income. Just get enough draw it in that to cover the eighteen months, which is to the end of Charles Charles abort. Yeah.","start_word":3679,"end_word":3725,"intents":[{"intent":"Clarify drawdown plan","confidence_score":0.00089746894}]},{"text":"And, again, this is without me actually calculating anything and looking at anything because, theoretically, I'm gonna make an assumption and say that your mortgage is sitting on something like a 6% interest rate.","start_word":3757,"end_word":3790,"intents":[{"intent":"Calculate interest rate","confidence_score":0.0021199402}]},{"text":"Theoretically, if you if your superannuation fund is really conservatively invested, your super fund could be making less than 6%.","start_word":3792,"end_word":3811,"intents":[{"intent":"Evaluate super fund profitability","confidence_score":0.0042815744}]},{"text":"So because I am thinking of what I'm what the the plan is to finish up Friday the thirty first as a full time teacher. And then Tuesday, which would be the first, second, third, fourth of August, start back as a groundsman. Does Yep.","start_word":4245,"end_word":4289,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.00946956}]},{"text":"ending up doing is, I guess, screwing over the government tax wise, which is my favorite thing to do in the world because your marginal tax rate and, again, this is all dependent on what your income is to to how it would work. But depending on what your income is, you could basically and because, like, marginal tax is bracketed. So the first 18200, you pay no tax on. Yes.","start_word":4969,"end_word":5039,"intents":[{"intent":"Discuss tax implications","confidence_score":0.008438564}]},{"text":"but the other thing to do is the if your if your pension's currently supporting you and you're comfortable with it, Yep. then, I mean, leave it as it is. If you wanna take more out, you will need to move your pension account back to accumulation and then basically pick up the excess money in your accumulation account and move it back over to pension. You're I know right.","start_word":5178,"end_word":5247,"intents":[{"intent":"Evaluate pension strategy","confidence_score":0.002624824}]},{"text":"So if we wanted to take that next step and get you to to go down that track and do all that sort of stuff, what sort of fees are we looking at?","start_word":5622,"end_word":5654,"intents":[{"intent":"Discuss fees and setup","confidence_score":0.028159462}]},{"text":"Ongoing, we have a tiered fee structure. It's all based on the funds under management and what we're ultimately doing for you. All of the fees would be detailed in the statement of advice clearly. They're written about four different places throughout the document, so we don't hide it. Yep.","start_word":5794,"end_word":5843,"intents":[{"intent":"Explain fee structure","confidence_score":0.044059925},{"intent":"Explain fee structure","confidence_score":0.38750938}]},{"text":"I can Okay. email it to you, though. Sorry.","start_word":5878,"end_word":5886,"intents":[{"intent":"Request email","confidence_score":0.007840751}]},{"text":"If you do want me to dig into things, I do need to, I guess, ask a few other questions. And it's like general questions like your date of birth, your actual your address, Yep. you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth. So that way I can actually dig into the numbers. Yes.","start_word":5948,"end_word":6027,"intents":[{"intent":"Request and organize documents","confidence_score":0.008900164}]},{"text":"So more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at. Yep.","start_word":6262,"end_word":6319,"intents":[{"intent":"Provide information","confidence_score":0.017902616}]},{"text":"And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those.","start_word":6320,"end_word":6341,"intents":[{"intent":"Explore options","confidence_score":0.063678965}]},{"text":"Yeah. Semi retirement.","start_word":6450,"end_word":6452,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.21219952}]},{"text":"If you run into any other questions or have any For any concerns, you have my email address. Feel free to flick an email through okay. and say, hey. I had a few questions. It's these ones.","start_word":6509,"end_word":6545,"intents":[{"intent":"Offer assistance","confidence_score":0.07987641}]}]},"sentiments":{"segments":[{"text":"Hello. This is Steven. Hi, Steven. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18040646612644196},{"text":"Good. Thank you. Lucy is here with me.","start_word":14,"end_word":21,"sentiment":"positive","sentiment_score":0.49498334527015686},{"text":"Hello? Oh, hi. How are you going? Hey.","start_word":22,"end_word":29,"sentiment":"neutral","sentiment_score":0.1969073861837387},{"text":"Good. Thanks, That's good.","start_word":30,"end_word":33,"sentiment":"positive","sentiment_score":0.5863734483718872},{"text":"I really do apologize that I was unavailable last week. I it's taken me a little bit to get back on my feet, but I'm back up and running.","start_word":34,"end_word":62,"sentiment":"neutral","sentiment_score":-0.06338086724281311},{"text":"Perfect.","start_word":63,"end_word":63,"sentiment":"positive","sentiment_score":0.5473968982696533},{"text":"Now, obviously, Nathan sent your details through to us following, you know, conversations with him. Yep. And I guess the way that I would normally conduct our meetings is to, I guess, find out first and foremost what and the reason, I guess, why you're wanting to seek financial advice so we can start digging into things from there. Sure. So I turned 60 a couple of weeks ago Oh, congratulations.","start_word":64,"end_word":134,"sentiment":"neutral","sentiment_score":0.08553744852542877},{"text":"and and our thank you.","start_word":135,"end_word":139,"sentiment":"positive","sentiment_score":0.4120357036590576},{"text":"Our plan was to pay out the mortgage so that I could cut back the the amount of work. I work as a high school teacher. Yep. And I rang Nathan to say, hey. You know, how do I go about, you know, rearranging the mortgage sort of thing? And he said, well, maybe you should talk to a financial adviser because maybe it's better off instead of taking my my super app. So I've got about 437,000 in super and our Mhmm. more it's 397,000. He said, Yes. you know, the the amount of interest you're paying on the mortgage might be less than the amount of interest you're making on on the super. So you might even be better off just getting an income stream and using the income stream to pay out the the fortnightly repayments because the super will increase still over the next five years back. Absolutely. Yep.","start_word":140,"end_word":292,"sentiment":"neutral","sentiment_score":0.00898926705121994},{"text":"So the problem though few problems here, little flies in the ointment as they say.","start_word":293,"end_word":307,"sentiment":"negative","sentiment_score":-0.3607657849788666},{"text":"I have one one 16 year old daughter who I have another year and a half of paying child support for, which I don't Mhmm. mind. But I don't yeah. Okay. So the the bottom line is if we pay out the mortgage and I and I keep 10,000 in there to keep the superannuation going, keep some money in the mortgage so we actually have, like, a redraw. If I do the the other option, which is the income stream, you might be aware of this, child support review views income streams as an income. Gotcha. Mhmm.","start_word":308,"end_word":405,"sentiment":"neutral","sentiment_score":-0.01628131548665008},{"text":"And so, basically, what I'm gonna do is work a permanent part time job as a groundsman, which I just absolutely love the idea of, and and do one day teacher relief. And that's enough to pay our bills and give me some spending money and just relax. We we like our lifestyle out here at Kilcoy.","start_word":406,"end_word":462,"sentiment":"positive","sentiment_score":0.4351660907268524},{"text":"Yeah. If I try to do the income stream, I would need to take out the whole well, I'd need to take out enough to be able to pay the the the about 1,200 per fortnight payments. But the moment I do that, child support says, well, that's an income. So we're going to increase your child support payments, which means then I have to take it more than the 1,200 I need. I've now gotta take it at the maximum. Well, I put in my calculations. So I get the maximum, which is about 1,600 a fortnight. That's the most I can get. And it doesn't actually leave me enough money to to continue to live on, you know, reasonably. That's the problem. Yeah. So Okay. yeah.","start_word":463,"end_word":590,"sentiment":"neutral","sentiment_score":-0.05530375242233277},{"text":"I don't honestly, I don't know if there's much advice you can give us because from what I can say, there's there's there's just no option. If I try and do the income stream, I'm just gonna I get further behind. It's crazy.","start_word":591,"end_word":633,"sentiment":"negative","sentiment_score":-0.3805901706218719},{"text":"Yeah. The because of the child support. Yep. And Yep. I'm assuming we don't have a a private arrangement. We it's it's all through physically through child support.","start_word":634,"end_word":661,"sentiment":"neutral","sentiment_score":-0.14155332744121552},{"text":"No. Look. It's it's been this this year has been a real, I don't know, kick in the teeth.","start_word":662,"end_word":680,"sentiment":"negative","sentiment_score":-0.5476535558700562},{"text":"Got a message from child support back in early February saying, hey. There's been a change of care, and your child support payments are gonna go from 500 a fortnight to 800 a fortnight.","start_word":681,"end_word":714,"sentiment":"neutral","sentiment_score":-0.15628681551007664},{"text":"It's quite the bills. Well, no. I didn't get to that.","start_word":715,"end_word":725,"sentiment":"negative","sentiment_score":-0.4288316071033478},{"text":"Really. So they I said, oh, well, I'll I'll come up with an arrangement.","start_word":726,"end_word":739,"sentiment":"neutral","sentiment_score":0.038403961807489395},{"text":"So I talked to my daughter, and she was happy to come out so we we can do the the minimum fifty two nights that kept it at five hundred a fortnight.","start_word":740,"end_word":771,"sentiment":"positive","sentiment_score":0.3926091194152832},{"text":"Yep. My ex wife then decided that she would contact child support again and said, oh, this change of care started back in October 2024.","start_word":772,"end_word":796,"sentiment":"neutral","sentiment_score":-0.18497954308986664},{"text":"So the short story is there was nothing I could do about that. So I had to pay $8,000 in arrears.","start_word":797,"end_word":817,"sentiment":"negative","sentiment_score":-0.3827215135097504},{"text":"If she hadn't mentioned something back in October 2024, I would have done what I did this time, which is talk to my daughter. Yes. So I spoke to her and said, look. Can we do a can we do a I I just can't afford to because what they were saying, Charlesworth was saying you need to pay I think they started off at $250 a week to pay it back.","start_word":818,"end_word":889,"sentiment":"neutral","sentiment_score":-0.2359849065542221},{"text":"We just just go, I can't do that.","start_word":890,"end_word":897,"sentiment":"negative","sentiment_score":-0.4402174949645996},{"text":"No. They can we we can do it down to 200.","start_word":898,"end_word":908,"sentiment":"neutral","sentiment_score":-0.20291700959205627},{"text":"I said I can't do that.","start_word":909,"end_word":914,"sentiment":"negative","sentiment_score":-0.374199241399765},{"text":"And so they finally came down at 125.","start_word":915,"end_word":922,"sentiment":"neutral","sentiment_score":-0.2219211608171463},{"text":"And and, basically, there would be a $180 a month fine or penalty for every month that I haven't paid off the total $8,000. So that would have come up to about 2,000 on top of the 8,000.","start_word":923,"end_word":960,"sentiment":"negative","sentiment_score":-0.37812164425849915},{"text":"Now Yep. they did say if you do the right thing and and keep making payments on time, we'll probably waive that penalty.","start_word":961,"end_word":983,"sentiment":"neutral","sentiment_score":-0.10640144348144533},{"text":"But, you know, it took them three months to find the paperwork that I'd sent in saying that there was a change of care from February through this year. So I was paying the I was paying $700 a a fortnight until they figured that out and found my paperwork. So I don't trust Childscore at all. No.","start_word":984,"end_word":1041,"sentiment":"negative","sentiment_score":-0.4406254887580872},{"text":"So That's it. yeah. Yeah. Look. Some of the agencies are they're my favorite. Yeah. Okay. Okay. So Nathan's correct in what he's saying with respect to, Mhmm. like, the compounding interest on funds in the superannuation account versus income stream, like, with Yep. the income stream versus lump sum withdrawal. Yep.","start_word":1042,"end_word":1093,"sentiment":"neutral","sentiment_score":0.06307594753161538},{"text":"And you are very, very much correct when you say that income stream from the super fund can be considered for child support income purposes. So it it is very much, I guess, a catch 22 on that front.","start_word":1094,"end_word":1132,"sentiment":"positive","sentiment_score":0.45492810010910034},{"text":"I'm I can definitely run figures on, like, what happens if and what happens if on both sides of the coin because that's ultimately what it's gonna come down to is, yes, you would have to, of course, draw more on your super fund. If you went with the income stream, it's not just gonna be to your your income needs. It's gonna extend beyond that. It's gonna have to obviously cover the the child support arrangements.","start_word":1133,"end_word":1209,"sentiment":"neutral","sentiment_score":0.2662774920463562},{"text":"And I can I can do a cost comparison between if we were to you know, what that would do when and if you paid off the mortgage, what that saves you in interest and show you all the facts and figures as to how that that looks on both sides of the coin? And then, ultimately, I guess, it gives you the information to make an informed decision.","start_word":1210,"end_word":1278,"sentiment":"positive","sentiment_score":0.3647725284099579},{"text":"Because currently, Yeah. you're looking at you you know what you're looking at. You know that you have a couple of different options, and they can all kinda play out the way they can play out. But I guess what is the actual outcome money Yeah. wise compounding versus interest say versus where where do all the facts live? Yeah. Another fact May that I we ask yes. yep. Of course. Sorry. I have two more years on a a novated lease on a vehicle. So which is currently coming out pretax and post tax. And Yep.","start_word":1279,"end_word":1375,"sentiment":"neutral","sentiment_score":-0.050857774913311005},{"text":"I don't have the $6,000 to be able to pay it out tomorrow. So if I can't pay it out, then that's more money I have to put into the income stream, which I just can't I don't have.","start_word":1376,"end_word":1414,"sentiment":"negative","sentiment_score":-0.5376030206680298},{"text":"Like, the 400,000, I think I've got in the super, if I put that into a transition to retirement account, I'm allowed to take Yep. out 10%, Ten percent. Yep. which would be paid for 40,000. And then 40 Yep. thousand per fortnight, I can't remember what that worked out to be, but Oh, no. About 15 I can't I did work that. $1,500. So We we we just can't say, Yep. basically, that that scenario would work Oh, yeah. And still be able to have any money to live on. Yeah. I had done I've actually done my own figures as well. I sat down and looked at, okay, well, I've had one day a week or two days a week or three three days a week as teacher relief Mhmm. or did the income stream. I've looked at, well, you know, at the different annual because you gotta we got, okay, this is what I'd be earning a fortnight, and this is the gross tax because child support has worked out price tax. Mhmm. Yep. Yeah. So I I've looked at all of that to get annual figures and how much the child support increases. And it's that child support that just does it again. Because the more Yes. I child support I have to pay, which is then means I think I worked out if I was doing one day a week, and I was getting $161,600 a fortnight. Yes. So if I'm looking at fortnightly fortnightly figures, if I was getting 1,600 from an income stream and working one day TRS and the the three days groundsman, it gives me a total income about 3,600. The tax on that is 276, But the the child support says, well, you know, your annual income is 93,000. So so That's it'll what be you're $3 a fortnight I'm paying in child support. It just the way I see it, I I I there might be a few dollars here here and there, but bottom Yeah.","start_word":1415,"end_word":1751,"sentiment":"neutral","sentiment_score":-0.0032059194054454565},{"text":"line is it's just too difficult. Unless my daughter Yeah.","start_word":1752,"end_word":1761,"sentiment":"negative","sentiment_score":-0.5111603140830994},{"text":"comes and lives or lives She said with us. does she feel like moving out to Kokoy or Probably. I I can't see it happening or what she does, Heather. I'll call her I'll call her my boyfriend. I don't like saying boyfriend. She's had no traction. She has We no traction. we never do them. Yeah. But I I no. I see that she would come and live with us permanently until the end of that time.","start_word":1762,"end_word":1839,"sentiment":"neutral","sentiment_score":-0.11728329956531525},{"text":"Well, she might do it, but it it'd be when she has a big a big fight with her mother.","start_word":1840,"end_word":1859,"sentiment":"negative","sentiment_score":-0.34872302412986755},{"text":"And, unfortunately, Yes. I'm decisions now. I can't wait for three months down the track. Yes. Okay. So timeline for you to quit work? I'm finishing up at the end of this month, July 31. Oh, okay. You've already set your timeline.","start_word":1860,"end_word":1901,"sentiment":"neutral","sentiment_score":-0.06413845717906952},{"text":"Cool.","start_word":1902,"end_word":1902,"sentiment":"positive","sentiment_score":0.35216647386550903},{"text":"That's fine. Oh, yeah. There's there's a job coming up as a groundsman in a small country, like a a Kilcoy State School, primary school, and Yep. it's it's right out in the in the country, in the rolling hills and cattle and and and it's just being a groundsman, which we've got six acres here. So I've I've been practicing for a year and a half now mowing mowing the six acres. So Less and it's stress. just so, yeah, no stress compared to teaching year eights and year nines. Hey. Anything. We don't judge you right from your nines. Otherwise, I'd have to look at my own children. I have to work with them. Yeah. So Yeah. I guess just the stress of of all of that, it's just gone up. Look, if I can if I can take a break and and enjoy the rest of my life, then then I I should do it. So that was my theory. Yeah. Okay. So $400,004.04 30, I think you said, owing on the mortgage. No. No. $3.09 $3.97 Sorry. Right. $3.97. on the Sorry. mortgage. Okay. Yep. So $3.97, $4. 30 in the Superfund. $4.37. Yeah.","start_word":1903,"end_word":2099,"sentiment":"neutral","sentiment_score":-0.02139829265587221},{"text":"It's in the super. Cool.","start_word":2100,"end_word":2104,"sentiment":"positive","sentiment_score":0.4076461791992187},{"text":"So, basically, we'd be left with call it 440. That's Yep. right. Call it $40 left in the Superfund Yep. after you pay out the mortgage. What would you get in income, sorry, from grounds keeping per Yep. fortnight? So ground as a groundskeeper, it's a thousand and $20. One It's thousand it's $20 a fortnight. Okay. $30.50. Is that gross? Yep. That's correct. So it's only three half days. It's $34 an hour, fifteen hours. Cool. Yep. And then teacher teacher relief. I know what suburban or, I guess, metro is what you guys refer to it, metro relief teaching get, but It's same I'm throughout assuming the whole you oh, is it the same? Oh, I would have assumed it was, like, a little unless bit higher rate. you are remote. Like, if you were and that's gotta be, like, further north from Cairns and and further west than, say, Amoramno. Not in Amoramark, maybe. It's Yep. it's it's far North and Far West is Okay. Is what remote is considered? yeah. So it's 42 per day, CRS. Okay. Yeah. I I knew it was something close to $500. Alright. Yeah. So okay. And then if you did that one day a week, so that's sort of maybe another $2,324,000 a year on top of. Yeah. So if I one day a week, CRS, thirty hours a week as groundsman, Okay. my gross is $2,004. Tax is 276. So and the annual is 52,000. Yes. Childs that is a $114. There's a child support calculator. So I've gone through Yeah. and think based on what my my ex wife has as her income, which is about 43,855. So Okay. so yeah. What is your current income on full teacher wage? So gross, $4,718. Fortnightly. Okay. So basically, Yep. 122 and some per Yeah. annum. Hon well, I've got, like, a it's 123. I'm currently listed as a 113 because I've got, salary sacrifice and superannuation Yep. in the car. Yeah. Of course. Okay. So I end up with about just under 2,600 per fortnight in my pay because of tax and the $500 in child support. Yeah. The novated lease, I'm assuming that's through Ed Queen or Yeah. Education Ren System. yep. So yep. So upon your termination of contract, I'm assuming that there's going to be a push to request to pay? Yep. So payout figure, I did the figures on that. I don't have them right in front of me. It was about just over 6,000 to pay that. Okay. So, essentially speaking, you'd need to pull the 6,000 to pay out the well, irrespective so you've done the research, so you probably know anyway. But upon, like, termination of the contract and upon turning Yep. like, so once you turn 60, you open up the availability to to transition to retirement. So it's where you can basically have the two super funds. One's a pension account. One's what's called an accumulation account, which is what you hold now. Yes. And the whole point of that is basically enables you to, in a tax free environment, draw money from the superannuation fund while still receiving contributions from your employer. And that's Yep. what the full account basically does. Yep. So theoretically, right now, as of today, you could, you know, you set up that pension account, draw down a lump sum figure from that pension account, and then it's called refresh it, which means that you would take the pension account, close it, and move the money back over to accumulation. That money is still tax free. It's paid to you from the Superfund straight to your bank account.","start_word":2105,"end_word":2717,"sentiment":"neutral","sentiment_score":0.061063102138081346},{"text":"You can pay out RemServ. That enables you to do that portion of things.","start_word":2718,"end_word":2731,"sentiment":"positive","sentiment_score":0.4209856986999512},{"text":"Because it it Oh. it's a little bit of a timing thing depending on how RemServ's gonna push it. Once once you the day that you retire, so technically, the thirty first of this month, Mhmm. on the day that you retire, because you have passed 60, you are now in a position of being able to access, as you know, all of the money in your superannuation fund. Yep. But it's not as if you can retire on the thirty first and access it on the thirty first because Not. the declaration needs to be made basically on the thirty first that I have met all these conditions. It then takes probably about two weeks. It's not crazy amount of time, None. but about two weeks for everything to process and for the funds Yep. to basically hit your bank account. Yep. So depending on how quickly REMServes needs the money will depend on which avenue you probably need to look at doing, whether you look at basically setting up a PTR account or, like, a pension account now with your current provider to basically get that small lump sum to make sure that you have the cash available to pay out RemServ or whether RemServ's happy to wait for a small period of time. Depending on what Yep. the contract stipulates and depends on I have seen RemServ push really hard, and they require payment basically the day of someone terminating their contract. But I have also seen RemServ contract. So it wasn't RemServ. It was Maxi. Same same same sort of system, just different company, where they had thirty or sixty days after termination of employment to finalize pay. Well and I don't think today is is a problem because I'll I'll have two weeks of annual leave that I'll be as my termination pay. Yeah. So as well as whatever, you know, works. So I I don't it's only $6 we're talking about. So I don't think Yeah.","start_word":2732,"end_word":3063,"sentiment":"neutral","sentiment_score":0.020183619785021582},{"text":"it's sixty days is a problem or thirty days is a problem.","start_word":3064,"end_word":3075,"sentiment":"negative","sentiment_score":-0.40535417199134827},{"text":"But yeah. Now the other avenue that I'm thinking of, which is and could it could be a possibility is so with superannuation, there's two there's there's there's basically, like, two ways that things can be paid when you hit 60. There's either a benefit payment or a pension payment. A pension payment is considered income. A benefit payment's not. So what you could actually do is Say that again, please? What? sorry. So with the superannuation, Yeah. you could either have the money paid to you under a pension payment, which Mention? is income, because it's an income stream, Mhmm. or a benefit payment, which is not considered an income stream because it's a lump sum amount, which is essentially what you're talking about when it comes to you drawing out, like, the nearly $400,000 paying out the mortgage. But instead of doing the $400,000 as a lump sum, what you could actually do is pull out, say, twelve months worth of your your mortgage payments and pay a lump sum or have it sitting in the offset account type of thing. And then every year, do the same sort of thing. Pay out a lump sum. And I know it sounds weird because, ultimately, like, at the time that you pull the money, you're not gonna be retired. But there's a subset of, I guess, of meeting that preservation, which is that you have ceased employment after 60. Not that you are still ceased, but that you have ceased. So because you've turned 60 and then you have ceased a gainful employment contract, you Yep. could still in the future access those funds. Okay. Well, so so okay. So let me just see if I got this in my words. Yes. Because Sorry. I on this of the understanding that you had to take it all or not. All or nothing? Or or the But, yeah, you either had to do the income stream or you had to take the entire lump sum. So what you're saying is now we can do a a twelve month lump sum. Yeah. Like, you could turn around let's say on on the I was gonna say the thirty second. On the August 1, Yep. you could you could basically turn around and say, I wanna pull out $52. That's, Mhmm. you know, that's enough to cover, you know, my mortgage repayments and give me Yep. a little bit of a buffer, whatever the case may be. I popped the figure because I don't think you actually told me my your mortgage repayments. But that that would be enough to cover my mortgage repayments. Take that money, put it into your Yeah. offset account, or talk to your lender, pay it off, and see whether, you know, they'll basically forego any, like, repayments for twelve months. Yeah. Yeah. Okay. It's $11.70 a fortnight, which I think from memory is about 30,000 a year. There you go. $11.74 $11.70 a fortnight. Yep. Yep. Yeah. $30,004.20. Yeah. So, you know, pull out, say, 32,000, pop that into the, like, offset, and make sure you obviously change your payment instructions so that the lender is drawing down repayments from your actual offset account and not from another bank account that you have depending on how Yeah. you have your current arrangement set. And that that would be fine that way, and then, you know, just make sure that you're obviously with it and you're keeping an eye on things, and then you could do another drawdown in twelve months' time. Okay. Okay. So could could I okay. Could I just do a draw down? If you're gonna say more regularly than that, I e quarterly or fortnightly, no. That's then considered income. Just get enough draw it in that to cover the eighteen months, which is to the end of Charles Charles abort. Yeah. Absolutely. Yeah. Yeah. Yeah. You could do yeah. Two two years, eighteen months. Yeah. Absolutely. Do the same thing. That would cover you to child support. It means you're not pulling. And, again, this is without me actually calculating anything and looking at anything because, theoretically, I'm gonna make an assumption and say that your mortgage is sitting on something like a 6% interest rate. Theoretically, if you if your superannuation fund is really conservatively invested, your super fund could be making less than 6%. I don't know without having a look at what investments you're currently No. invested in and what the fees are and stuff like that, which I can definitely do. But this is this is under the guys, and what Nathan was saying is basically under the stipulation that your super fund is actually working well for you and is not, I guess, hamstringing you. Probably the best No. It's analogy I have today. I think I've seen it go probably $10,000 in in the last three months increase. So that's why it sort of It's working.","start_word":3076,"end_word":3905,"sentiment":"neutral","sentiment_score":0.04658618359321571},{"text":"Working very well for us. It's working. Good.","start_word":3906,"end_word":3913,"sentiment":"positive","sentiment_score":0.6614786386489868},{"text":"So yeah. So if if it if it's working really well, then, yeah, just just a I would basically so the the the day after or even depending on how you're feeling retirement day, contact your current provider, whomever that may be, and you would make a declaration to them that, hey. I am 60. I am I am no longer gainfully employed, and I am retired, and I would like to draw out, say, just call it $60. That covers two years. Yep. Sure. 60 And grand. that and so that 60,000 is not seen as an income stream that the the child support's going to assess? Providing it doesn't come from a pension account and it comes from your accumulation account and it's a benefit Right. payment as Right. a lump sum. Correct. But yeah. Okay. If I it's hadn't if ordered it's coming out of, here, if it's coming out of a pension account and yep. it's paid as a pension payment, then That's it is an income. yes. But if it's a lump sum, then it's not touched. Okay. Okay. And so we can we can literally or I can literally take a lump sum, you know, whenever I like. I don't have to take the whole lot in one go. No. You don't yeah. You don't have to take all of it at one go. Is there a limit or is there a limit to how much of a lump sum you can take at a time if you're not taking the whole lot? Yeah. Or or a a minimum limit minimum? Do you know what I mean? Is There's there a minimum or a maximum that you can take as a lump sum? not while you're unemployed. For the period of time for for if for which you are unemployed, there is no minimum maximum. Once you go back to employment, it's gonna restrict you a bit down back down to that 10%. Okay. So because I am thinking of what I'm what the the plan is to finish up Friday the thirty first as a full time teacher. And then Tuesday, which would be the first, second, third, fourth of August, start back as a groundsman. Does Yep. that quite the problem? Does it? A little bit. Yeah. If you could if you could take a week off or so, that'd be really Yeah. good. K. Okay. And that's where you make the declaration that I am not employed. I've retired, Okay. and I would like to seek to get paid this money. Okay. Right. So it's gotta be So you have to be unemployed to be able to take a lump sum like that. Right. Yeah. Just retired. Just get tired. And then if you choose to get offered the random job and it's it works Yep.","start_word":3914,"end_word":4388,"sentiment":"neutral","sentiment_score":0.008406265817190471},{"text":"out well for you, then magical.","start_word":4389,"end_word":4394,"sentiment":"positive","sentiment_score":0.38732439279556274},{"text":"Okay. Okay. Okay. Well, I'm sure we could talk to a a prospective employer and say, hey. Can we just Or you can just finish up a week earlier. Alright. Yeah. Well, I don't know if I can. I know you can. Maybe you can. Maybe you can. Alright. Well, we'll be looking at that. So yeah. That's another option. And so so, basically, I only need to be unemployed slash retired for the period at at which I am submitting this piece of paperwork. It it doesn't mean I have to wait until they give me a response or I get the money. Is that how that No. Right. Yeah. Just just submitting the paperwork.","start_word":4395,"end_word":4510,"sentiment":"neutral","sentiment_score":0.0073203646481550975},{"text":"And you do not wanna set up a pension account.","start_word":4511,"end_word":4520,"sentiment":"negative","sentiment_score":-0.33620622754096985},{"text":"I'm gonna be really clear. Do not set up a pension account. work? No. Do No.","start_word":4521,"end_word":4536,"sentiment":"neutral","sentiment_score":-0.22773349285125732},{"text":"it No.","start_word":4537,"end_word":4538,"sentiment":"negative","sentiment_score":-0.3557818531990051},{"text":"all Is from that your accumulation account. yep. It has to be from accumulation. Yep. Yep. Yeah. Yep. We've we've been told if if I put it into my my personal account and, like, if I take a hundred days and I put it in my personal account, then any interest it earns is then accessible for child support. Yeah. Yeah. Of course. But Generally speaking, offset accounts don't make, yeah. I mean, they they can, but they're not making lots of interest. Well, the easy Maybe thing a couple is, bucks. you know, Lucy and and she looks after me. My name. And hopefully, doesn't go on a world trip without me. Absolutely. May I ask how old is Lucy? How old am I? I'm 60. So we're both Cool. 60 this Yeah. So I I've got a a transition to retirement account. I work three days a week, but I've got a a transition fund set up to supplement my income to day old. Yep. Yep. So So I've the same thing yeah. So you've you've already been doing this. Yep. One of the one of the biggest things you should probably make sure that you're looking at, because you're still working with Yep. a TTR account, is have a look at where the money's sitting between your accumulation and your pension funds. Because your pension funds obviously been distributing income, Yep. and the accumulation account being receiving contributions. It's the new financial year. So what happened at the new financial year is as at, you know, June 30, July 1, your provider, so your super Yep. super provider, reviewed how much was in your pension account, and they said, well, based on your balance as at end of financial year, your new pension payments, based on how it was set up, are now going to be blah. And so long as they fall between the 4% to 10% mark, they may not have changed. Yes. No. They haven't Yep. Yeah. But if you had it set to get the maximum payments, No. the I payments don't. may have changed. Yeah. So Oh, if you just had a a dollar figure, it's okay. fine. Yep. But the other thing that you could do is even though and I know it sounds silly. Even though you've you transitioned to retirement to drop your hours to enjoy life more, you could actually increase how much you're you're paying into your super. So you could salary sacrifice more into Yep. your super and then take more because what you're Yep. ending up doing is, I guess, screwing over the government tax wise, which is my favorite thing to do in the world because your marginal tax rate and, again, this is all dependent on what your income is to to how it would work. But depending on what your income is, you could basically and because, like, marginal tax is bracketed. So the first 18200, you pay no tax on. Yes. Between 18045, we pay up to 16%, so on and so on. So anything basically up to about that $45,000, depending on what your income is, if you salary sacrifice that into your super, so Mhmm. anything in excess of 45,000, pop that into your super, and then draw it out tax free, you're gonna end up way better tax wise. As a general rule of thumb and without actually giving you advice, I wanna be really clear on that. Just just general rule of thumb, if you want me to actually look into this, I definitely can, but I'd need to have a little bit more of an extensive conversation and start getting information from you guys. But just to be general and give you information and Yep. Yep. Yeah. Okay. Food to thought. Yeah. Okay. but the other thing to do is the if your if your pension's currently supporting you and you're comfortable with it, Yep. then, I mean, leave it as it is. If you wanna take more out, you will need to move your pension account back to accumulation and then basically pick up the excess money in your accumulation account and move it back over to pension. You're I know right. it sounds really weird, but, basically, a pension account cannot have a contribution made to it. And if your accumulation account over, you know, the since it's been set up has grown and is now obviously, it it will be. It'll be larger than what it was when you pulled money out Yep. of it and put it into pension phase.","start_word":4539,"end_word":5306,"sentiment":"neutral","sentiment_score":0.00987471533153439},{"text":"Then that money can't just be shifted over to pension.","start_word":5307,"end_word":5316,"sentiment":"negative","sentiment_score":-0.3616653084754944},{"text":"You actually have to move the pension over and pick it up and then move it into a new pension account.","start_word":5317,"end_word":5337,"sentiment":"neutral","sentiment_score":-0.29457375407218933},{"text":"It's an absolute pain, but it's the way it's all legislatively set up.","start_word":5338,"end_word":5350,"sentiment":"negative","sentiment_score":-0.4862067699432373},{"text":"Okay. Well, that's where you come in and yeah. We don't take it down more down. Yeah. Brainpower. That's that's the that's the complexities of things and and, you know, Yep. how I could help. But, you know, it's dependent on whether you you want me to look a little bit deeper into things. So, realistically, as an adviser, what apart from giving you guys information, what I would do and what I can do is conversations like this is where we start off, And then I go through and I would do a little bit more delving and digging into your financial position. So, you know, like, last year's tax return, having a look at your payslips, getting a little bit more information about, like, the interest rate on your loan, how it's currently structured, so on and so forth. And then I run scenarios and algorithms, and I look at if we were to do, then what is the outcome. And I run all the situations that I can possibly think of, And sometimes that's two or three, and sometimes that's 53 different situations. And then I turn around and go cool. Out of all the scenarios I've run, this is the one that's gonna get you the best outcome to meet Not. the goals that you stipulated as a couple or an individual or whatever the case may be. Okay. And sometimes, like I said, it's just about paying less tax, and that's not something you might have come to me with, but sometimes that's what I find as an avenue, and we do. Okay. Okay. Alright.","start_word":5351,"end_word":5620,"sentiment":"neutral","sentiment_score":0.09042814545057438},{"text":"So if we wanted to take that next step and get you to to go down that track and do all that sort of stuff, what sort of fees are we looking at? So first and foremost, this conversation and any initial conversations are completely complimentary. Right. Everything that I do from here up until what's called statement of advice stage is completely complimentary. So all the research, the looking into, the digging, the comparisons, all free.","start_word":5621,"end_word":5697,"sentiment":"positive","sentiment_score":0.44021105766296387},{"text":"I draw Okay. up a statement of advice, which is basically a amalgamation of all the research and formalization of my advice. Mhmm.","start_word":5698,"end_word":5720,"sentiment":"neutral","sentiment_score":0.2458108067512512},{"text":"That is all free. We would get together and have a conversation to present the advice, and then the fee would be paid upon you guys accepting and my implementation of it.","start_word":5721,"end_word":5752,"sentiment":"positive","sentiment_score":0.3879497945308686},{"text":"So there's two parts to my fees. First Mhmm. is the initial fee, which is for us to actually do the initial setup of everything. For a couple, that is $6,600 capped. That's it. That is for everything all up. Ongoing, we have a tiered fee structure. It's all based on the funds under management and what we're ultimately doing for you. All of the fees would be detailed in the statement of advice clearly. They're written about four different places throughout the document, so we don't hide it. Yep. And they're all listed there. Our fees are also broken down on the financial services guide, which I believe was attached to the invite card invite? Okay. I might be mistaken. No. It's not. I can Okay. email it to you, though. Sorry. I I generally do attach it, but I must've had a moment. I yeah. I'll I'll email that to you so that way it sort of breaks it down. It's a little bit easier to see than for me to explain.","start_word":5753,"end_word":5926,"sentiment":"neutral","sentiment_score":0.1376073632774682},{"text":"So yeah. So I I'm more than happy to go through and and do that and and break everything down.","start_word":5927,"end_word":5946,"sentiment":"positive","sentiment_score":0.6880921125411987},{"text":"If you do want me to dig into things, I do need to, I guess, ask a few other questions. And it's like general questions like your date of birth, your actual your address, Yep. you know, and then I would send you an email and request statements from your super funds, like your last pay slips from your employers, you know, mortgage documents, so on and so forth. So that way I can actually dig into the numbers. Yes. And then from there, deliver the advice. So, theoretically speaking, if you're wanting it turned around by the end of the month, I can definitely do that, But that would be very much dependent on you guys getting me the documents. Yes.","start_word":5947,"end_word":6068,"sentiment":"neutral","sentiment_score":0.22240807116031647},{"text":"Providing I've had all the documents from you within the next, say, probably ten days, so no later than, like, Monday, Tuesday, the twentieth, twenty first, I would be able to turn the advice around by the beginning of the week of the twenty seventh, twenty eighth. So that way, you had all the information, and we had the time to be able to execute by the thirty first ish.","start_word":6069,"end_word":6138,"sentiment":"positive","sentiment_score":0.35156533122062683},{"text":"Yep. Okay.","start_word":6139,"end_word":6140,"sentiment":"neutral","sentiment_score":-0.014297877438366411},{"text":"Well, I was saying but well, there's probably some more thinking we obviously gotta do about that.","start_word":6141,"end_word":6157,"sentiment":"negative","sentiment_score":-0.3434182405471802},{"text":"Mhmm. But Yep. Something to think about. Absolutely. No. That's completely okay. Some like, look. Sometimes I meet with clients and it is just information. I swear about 50% of my my job is education Yep. because, unfortunately, they don't teach it in schools. So No.","start_word":6158,"end_word":6203,"sentiment":"neutral","sentiment_score":-0.08621902018785477},{"text":"no.","start_word":6204,"end_word":6204,"sentiment":"negative","sentiment_score":-0.34907451272010803},{"text":"They don't. So yeah. So so, you know, a lot a lot of what I do is just is education based and, you know, I've had clients I've been in the industry for a little over ten years, and I've had clients for just as long. And still, I teach them new things every year.","start_word":6205,"end_word":6259,"sentiment":"neutral","sentiment_score":0.111167274415493},{"text":"So more than happy for this to have just been a one off conversation where you guys learnt something new when, you know, you have a avenue in which you can now maneuver to achieve what you wanna achieve, and, hopefully, I've given you some good thinking points that you can kinda take away and look at.","start_word":6260,"end_word":6316,"sentiment":"positive","sentiment_score":0.7323054075241089},{"text":"Yep. Yep.","start_word":6317,"end_word":6318,"sentiment":"neutral","sentiment_score":0.29019057750701904},{"text":"And if if, you know, you do wanna explore things a little bit deeper, then I'm more than happy to explore those.","start_word":6319,"end_word":6340,"sentiment":"positive","sentiment_score":0.4073411226272583},{"text":"And, look, it doesn't have to be prior to the end of this month. You know, if you guys wanna go and execute what we've kinda talked about, whether that is the full lump sum of 400,000, whether that's, you know, two years worth of the mortgage repayments or whatever the case may be that you guys decide, that's that's that's completely okay.","start_word":6341,"end_word":6403,"sentiment":"neutral","sentiment_score":0.30784863233566284},{"text":"And, you know, you can always loop back around, and we can have a chat at a later date when things are maybe a little less little less stressful and when you've maybe had a chance to enjoy what, Yep.","start_word":6404,"end_word":6443,"sentiment":"positive","sentiment_score":0.3689541518688202},{"text":"you know, retirement looks like. Yeah. Semi retirement. Yep. Yeah. Yeah. That's true. Alright. Okay. Alright. Well, my brain's probably full at this point. Yeah. Yeah. I'm just Yep. gonna so now you've you've I guess it all now. You've definitely give it some some things we didn't know about, some other options, which is interesting. So whether that's going to be beneficial Yep. If you run into any other questions or have any For any concerns, you have my email address. Feel free to flick an email through okay. and say, hey. I had a few questions. It's these ones. Yep. I'm free at this time, and I can add hot call you. Or if they're easy enough, it's just sometimes questions that are a little bit more complex in nature are a little bit easier to explain over the phone than in an email. I always try Yep. to email the answer, but sometimes it's easier to follow-up with with a call as well. So if you flick an email through and say, these are the questions. This is what I wanna know. Call me around this time, Yep. I will Yeah. do so. I obviously, you're school based, so you're Yeah. only available after school time. I'm pretty flexible. I generally work until much to my husband's and children's discussed till, like, 07:00 at night or later.","start_word":6444,"end_word":6673,"sentiment":"neutral","sentiment_score":0.1319044415069663},{"text":"So I'm more than happy to make that call in the afternoon or the evening.","start_word":6674,"end_word":6688,"sentiment":"positive","sentiment_score":0.4555027186870575},{"text":"I can Okay. have dinner with you and have a chat. Alright. Okay. No. That that's good. Yeah. Certainly give us given us some more things to think about Yep. We weren't aware of. So yeah. Yes.","start_word":6689,"end_word":6725,"sentiment":"neutral","sentiment_score":0.2006889432668686},{"text":"Definitely. Wonderful. We will that.","start_word":6726,"end_word":6730,"sentiment":"positive","sentiment_score":0.5036270618438721},{"text":"Yep. Well, Yep. if there's Yep. ever anything else, let me know. But otherwise, you guys go and talk amongst yourselves and, yeah, feel free to email me. Alright.","start_word":6731,"end_word":6759,"sentiment":"neutral","sentiment_score":0.12752819061279297},{"text":"Alright. Thank you very much. Thank thank you for your time. My pleasure. Thank you so much for taking the time to chat with me. I really appreciate it, and good luck. Thank you. Okay.","start_word":6760,"end_word":6794,"sentiment":"positive","sentiment_score":0.7465604543685913},{"text":"Bye bye. Bye, guys.","start_word":6795,"end_word":6798,"sentiment":"neutral","sentiment_score":0.29657045006752014}],"average":{"sentiment":"neutral","sentiment_score":0.046370184381401496}}}}