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Fast Fixes for Rising Costs: Fuel, Food, and Finances · Making Cents

• 0:03
  Hey,
• 0:03
  team,
• 0:03
  it's
• 0:03
  Frances.
• 0:04
  Look,
• 0:05
  when
• 0:05
  things
• 0:05
  are
• 0:05
  all
• 0:05
  going
• 0:06
  a
• 0:06
  bit
• 0:06
  haywire
• 0:07
  in
• 0:07
  life
• 0:08
  and
• 0:08
  especially
• 0:08
  our
• 0:09
  money
• 0:09
  lives,
• 0:10
  I
• 0:10
  like
• 0:10
  to
• 0:10
  focus
• 0:11
  on
• 0:11
  taking
• 0:12
  back
• 0:12
  control
• 0:13
  of
• 0:13
  the
• 0:13
  things
• 0:13
  we
• 0:14
  can
• 0:14
  control.
• 0:15
  Anytime
• 0:16
  you're
• 0:16
  feeling
• 0:16
  overwhelmed,
• 0:17
  I
• 0:17
  have
• 0:17
  found
• 0:17
  that
• 0:18
  stepping
• 0:18
  back,
• 0:19
  looking
• 0:19
  for
• 0:20
  the
• 0:20
  things
• 0:20
  we
• 0:20
  can
• 0:20
  control
• 0:21
  and
• 0:21
  then
• 0:21
  taking
• 0:21
  control
• 0:22
  of
• 0:22
  those,
• 0:23
  letting
• 0:23
  go
• 0:23
  of
• 0:23
  the
• 0:23
  rest,
• 0:24
  that's
• 0:24
  always
• 0:25
  been
• 0:25
  the
• 0:26
  key
• 0:26
  to
• 0:26
  getting
• 0:27
  a
• 0:27
  little
• 0:27
  bit
• 0:27
  of
• 0:27
  sanity
• 0:28
  back.
• 0:29
  So
• 0:29
  the
• 0:29
  TVNZ
• 0:30
  breakfast
• 0:30
  team
• 0:31
  asked
• 0:31
  me
• 0:31
  to
• 0:31
  come
• 0:31
  on
• 0:31
  and
• 0:32
  chat
• 0:32
  about
• 0:32
  that.
• 0:33
  Look
• 0:33
  at
• 0:33
  the
• 0:33
  things
• 0:33
  that
• 0:34
  are
• 0:34
  going
• 0:34
  on,
• 0:34
  why
• 0:35
  they're
• 0:35
  happening
• 0:35
  and
• 0:36
  then
• 0:36
  what
• 0:36
  we
• 0:37
  can
• 0:37
  actually
• 0:38
  do
• 0:38
  about
• 0:38
  it.
• 0:39
  Everything
• 0:40
  from
• 0:40
  taking
• 0:41
  control
• 0:41
  of
• 0:41
  those
• 0:41
  petrol
• 0:42
  costs
• 0:42
  to
• 0:43
  your
• 0:43
  food
• 0:43
  spend
• 0:44
  and
• 0:44
  a
• 0:45
  bit
• 0:45
  more.
• 0:45
  They
• 0:46
  said
• 0:46
  I
• 0:46
  could
• 0:46
  share
• 0:46
  that
• 0:46
  conversation
• 0:47
  again
• 0:47
  with
• 0:47
  you
• 0:47
  here.
• 0:48
  So
• 0:48
  here
• 0:48
  you
• 0:48
  go.
• 0:49
  Hope
• 0:49
  you
• 0:49
  enjoy.
• 0:56
  Between
• 0:56
  surging
• 0:56
  fuel
• 0:57
  prices,
• 0:57
  rising
• 0:58
  inflation,
• 0:58
  kiwisaver
• 0:59
  pressures
• 1:00
  and
• 1:00
  the
• 1:00
  looming
• 1:00
  reality
• 1:01
  that
• 1:01
  the
• 1:01
  cost
• 1:01
  of
• 1:01
  living
• 1:02
  is
• 1:02
  spiking,
• 1:03
  many
• 1:03
  New
• 1:03
  Zealanders
• 1:04
  are
• 1:04
  feeling
• 1:04
  the
• 1:04
  strain.
• 1:05
  So
• 1:05
  how
• 1:05
  can
• 1:05
  you
• 1:06
  take
• 1:06
  back
• 1:06
  control
• 1:07
  of
• 1:07
  your
• 1:07
  finances?
• 1:08
  Joining
• 1:08
  us
• 1:08
  now
• 1:08
  is
• 1:09
  independent
• 1:09
  financial
• 1:09
  journalist
• 1:10
  Frances
• 1:10
  Cook
• 1:11
  Moriyanity.
• 1:11
  Frances,
• 1:12
  always
• 1:12
  nice
• 1:12
  to
• 1:12
  have
• 1:13
  you
• 1:13
  here
• 1:13
  with
• 1:13
  us.
• 1:14
  People
• 1:14
  at
• 1:14
  home
• 1:14
  will
• 1:14
  be
• 1:15
  acutely
• 1:15
  feeling
• 1:16
  the
• 1:16
  increasing
• 1:17
  price
• 1:17
  of
• 1:17
  fuel
• 1:17
  here.
• 1:18
  Perhaps
• 1:18
  some
• 1:18
  relief
• 1:19
  being
• 1:19
  announced
• 1:19
  later
• 1:20
  today
• 1:20
  for
• 1:20
  some.
• 1:21
  What
• 1:21
  is
• 1:22
  some
• 1:22
  things
• 1:22
  we
• 1:22
  can
• 1:23
  do
• 1:23
  in
• 1:23
  order
• 1:23
  to
• 1:24
  feel
• 1:24
  a
• 1:24
  bit
• 1:24
  more
• 1:24
  control,
• 1:25
  where
• 1:25
  should
• 1:25
  we
• 1:25
  be
• 1:25
  putting
• 1:26
  our
• 1:26
  energy?
• 1:27
  I
• 1:27
  think
• 1:27
  the
• 1:27
  problem
• 1:27
  in
• 1:28
  moments
• 1:28
  like
• 1:28
  this
• 1:28
  is
• 1:28
  there
• 1:28
  is
• 1:29
  so
• 1:29
  much
• 1:29
  out
• 1:29
  of
• 1:29
  your
• 1:29
  control.
• 1:29
  Right.
• 1:30
  I
• 1:30
  mean,
• 1:30
  it's
• 1:31
  not
• 1:31
  even
• 1:31
  just
• 1:31
  politics
• 1:32
  in
• 1:32
  New
• 1:32
  Zealand
• 1:32
  which
• 1:33
  can
• 1:33
  feel
• 1:33
  a
• 1:33
  bit
• 1:33
  pressurized,
• 1:34
  it's
• 1:34
  worldwide
• 1:34
  politics.
• 1:35
  Right.
• 1:35
  And
• 1:36
  I
• 1:36
  think
• 1:36
  really
• 1:36
  key
• 1:37
  moments
• 1:37
  like
• 1:37
  this
• 1:37
  that
• 1:38
  you
• 1:38
  do
• 1:38
  control
• 1:38
  the
• 1:38
  things
• 1:39
  you
• 1:39
  can
• 1:39
  control.
• 1:40
  You
• 1:40
  look
• 1:40
  at,
• 1:40
  okay,
• 1:41
  what
• 1:41
  is
• 1:41
  actually
• 1:41
  within
• 1:42
  my
• 1:42
  circle
• 1:42
  of
• 1:42
  influence
• 1:43
  and
• 1:44
  things
• 1:44
  like
• 1:44
  getting
• 1:45
  prepared,
• 1:45
  staying
• 1:46
  informed
• 1:47
  and
• 1:47
  taking
• 1:47
  control
• 1:48
  of
• 1:48
  things
• 1:48
  like
• 1:48
  your
• 1:48
  petrol
• 1:49
  usage,
• 1:49
  even
• 1:49
  your
• 1:50
  food
• 1:50
  could
• 1:50
  be
• 1:50
  a
• 1:51
  bit
• 1:51
  of
• 1:51
  an
• 1:51
  issue.
• 1:52
  Electricity,
• 1:53
  taking,
• 1:53
  taking
• 1:53
  control
• 1:54
  of
• 1:54
  those
• 1:54
  things
• 1:54
  at
• 1:54
  a
• 1:55
  moment
• 1:55
  like
• 1:55
  this
• 1:55
  does
• 1:56
  actually
• 1:56
  make
• 1:56
  you
• 1:57
  feel
• 1:57
  a
• 1:57
  bit
• 1:57
  better.
• 1:57
  Okay,
• 1:58
  let's
• 1:58
  start
• 1:58
  with
• 1:58
  food.
• 1:59
  And
• 1:59
  you're
• 1:59
  talking
• 1:59
  about
• 1:59
  taking
• 2:00
  control.
• 2:00
  What
• 2:00
  are
• 2:00
  some
• 2:00
  practical
• 2:01
  steps
• 2:01
  you
• 2:01
  can
• 2:02
  do
• 2:02
  with
• 2:02
  your
• 2:03
  food
• 2:03
  spend?
• 2:03
  Yeah,
• 2:04
  because
• 2:04
  I
• 2:04
  think
• 2:05
  an
• 2:05
  underrated
• 2:05
  thing
• 2:06
  in
• 2:06
  this
• 2:06
  whole
• 2:06
  situation
• 2:07
  is
• 2:07
  it
• 2:07
  is
• 2:07
  going
• 2:07
  to
• 2:08
  impact
• 2:08
  food
• 2:09
  quite
• 2:09
  soon.
• 2:10
  It's
• 2:10
  already
• 2:10
  seeing
• 2:10
  little
• 2:11
  spikes.
• 2:11
  But
• 2:11
  the
• 2:12
  fresh
• 2:12
  food
• 2:12
  particularly,
• 2:13
  we
• 2:13
  import
• 2:14
  a
• 2:14
  lot
• 2:14
  of
• 2:14
  our
• 2:14
  fertiliser
• 2:15
  through
• 2:15
  those
• 2:16
  same
• 2:16
  places
• 2:16
  that
• 2:16
  our
• 2:16
  petrol
• 2:17
  comes
• 2:17
  through.
• 2:17
  It's
• 2:18
  all
• 2:18
  blocked.
• 2:18
  It's
• 2:18
  a
• 2:19
  big
• 2:19
  problem.
• 2:19
  So.
• 2:20
  So
• 2:20
  fresh
• 2:20
  food
• 2:20
  will
• 2:20
  be
• 2:21
  the
• 2:21
  first
• 2:21
  to
• 2:21
  be
• 2:21
  a
• 2:21
  problem.
• 2:22
  And
• 2:22
  then
• 2:22
  we've
• 2:22
  got
• 2:22
  staples
• 2:23
  like
• 2:23
  wheat,
• 2:24
  which
• 2:24
  of
• 2:24
  course
• 2:24
  impacts
• 2:24
  bread.
• 2:25
  That's
• 2:26
  the
• 2:26
  next.
• 2:26
  So
• 2:27
  I
• 2:27
  think
• 2:27
  the
• 2:28
  trick
• 2:28
  is
• 2:28
  if
• 2:28
  you
• 2:28
  start
• 2:29
  to
• 2:29
  prepare
• 2:29
  now,
• 2:29
  it
• 2:30
  gives
• 2:30
  you
• 2:30
  more
• 2:30
  buffer.
• 2:30
  If
• 2:31
  things
• 2:31
  do
• 2:31
  get
• 2:31
  really
• 2:32
  crunchy
• 2:32
  later,
• 2:33
  start
• 2:34
  looking
• 2:34
  at,
• 2:34
  you
• 2:34
  know,
• 2:35
  check
• 2:35
  out
• 2:35
  what's
• 2:35
  actually
• 2:36
  in
• 2:36
  season.
• 2:36
  That
• 2:37
  sort
• 2:37
  of
• 2:37
  stuff
• 2:37
  needs
• 2:37
  less
• 2:38
  fertilizer
• 2:38
  in,
• 2:38
  you
• 2:39
  know,
• 2:39
  the
• 2:39
  beginning
• 2:39
  of
• 2:39
  things.
• 2:40
  Get
• 2:41
  more
• 2:41
  familiar
• 2:41
  with
• 2:42
  what's
• 2:42
  good
• 2:42
  that's
• 2:42
  canned
• 2:42
  and
• 2:43
  frozen.
• 2:43
  Maybe
• 2:43
  start
• 2:44
  growing
• 2:44
  some
• 2:44
  of
• 2:44
  the
• 2:44
  stuff
• 2:45
  that,
• 2:45
  that's
• 2:45
  easy.
• 2:46
  But
• 2:47
  more
• 2:47
  expensive
• 2:48
  things
• 2:48
  like
• 2:48
  your
• 2:48
  leafy
• 2:49
  greens,
• 2:49
  your
• 2:49
  herbs
• 2:49
  can
• 2:50
  be
• 2:50
  very
• 2:50
  expensive.
• 2:51
  Grow
• 2:51
  them
• 2:51
  on
• 2:51
  a
• 2:52
  windowsill,
• 2:52
  get
• 2:52
  that
• 2:53
  going.
• 2:54
  And
• 2:54
  then
• 2:54
  maybe,
• 2:55
  you
• 2:55
  know,
• 2:55
  just
• 2:56
  keep
• 2:56
  an
• 2:56
  eye
• 2:56
  on
• 2:56
  any
• 2:57
  food
• 2:57
  waste,
• 2:58
  make
• 2:58
  sure
• 2:58
  that
• 2:58
  that
• 2:59
  is
• 2:59
  all
• 2:59
  going
• 3:00
  really
• 3:00
  well.
• 3:01
  Maybe
• 3:02
  stock
• 3:02
  up
• 3:02
  a
• 3:02
  little
• 3:02
  bit,
• 3:02
  don't
• 3:03
  panic,
• 3:03
  buy,
• 3:03
  but
• 3:04
  stock
• 3:04
  up
• 3:04
  a
• 3:04
  little
• 3:04
  bit
• 3:05
  on
• 3:05
  some
• 3:05
  of
• 3:05
  your
• 3:05
  staples
• 3:06
  like
• 3:06
  flour,
• 3:07
  if
• 3:07
  you're
• 3:07
  a
• 3:07
  big
• 3:07
  baker.
• 3:08
  And
• 3:08
  what
• 3:08
  about
• 3:08
  Kiwi
• 3:09
  savor?
• 3:09
  This
• 3:10
  can
• 3:10
  be
• 3:10
  a
• 3:10
  scary
• 3:10
  time
• 3:10
  for
• 3:11
  people
• 3:11
  looking
• 3:11
  at
• 3:11
  their
• 3:12
  back
• 3:12
  balances.
• 3:12
  What
• 3:13
  would
• 3:13
  your
• 3:13
  advice
• 3:13
  be
• 3:13
  there?
• 3:14
  And
• 3:14
  the
• 3:14
  thing
• 3:15
  with
• 3:15
  Kiwisaver
• 3:15
  is
• 3:16
  it's
• 3:16
  going
• 3:16
  to
• 3:16
  be
• 3:16
  all
• 3:16
  over
• 3:16
  the
• 3:17
  place
• 3:17
  and
• 3:17
  it's
• 3:17
  going
• 3:17
  to
• 3:18
  stay
• 3:18
  being
• 3:18
  all
• 3:18
  over
• 3:19
  the
• 3:19
  place
• 3:19
  through
• 3:19
  this.
• 3:19
  I
• 3:19
  mean,
• 3:20
  we've
• 3:20
  got
• 3:20
  the
• 3:20
  latest.
• 3:21
  I
• 3:21
  was
• 3:21
  just
• 3:21
  listening
• 3:21
  to
• 3:21
  some
• 3:21
  of
• 3:22
  your
• 3:22
  updates
• 3:22
  there
• 3:22
  before
• 3:23
  and
• 3:23
  it's
• 3:24
  on,
• 3:24
  it's
• 3:24
  off
• 3:24
  again,
• 3:25
  who
• 3:25
  knows?
• 3:27
  And
• 3:27
  it
• 3:27
  rattles
• 3:28
  the
• 3:28
  markets.
• 3:29
  Over
• 3:29
  the
• 3:29
  weekend
• 3:29
  we
• 3:29
  had
• 3:30
  things
• 3:30
  going
• 3:30
  down.
• 3:30
  Let's
• 3:31
  back
• 3:31
  up.
• 3:32
  Your
• 3:32
  Kiwisaver
• 3:33
  should
• 3:33
  fit
• 3:33
  your
• 3:33
  life,
• 3:34
  not
• 3:35
  the
• 3:35
  headlines.
• 3:35
  So
• 3:36
  what's
• 3:37
  far
• 3:37
  more
• 3:37
  important
• 3:38
  than
• 3:39
  whatever
• 3:39
  is
• 3:39
  happening
• 3:40
  overseas
• 3:41
  is
• 3:42
  when
• 3:42
  do
• 3:42
  you
• 3:42
  need
• 3:43
  your
• 3:43
  Kiwisaver?
• 3:44
  Whether
• 3:44
  it's
• 3:44
  a
• 3:44
  first
• 3:44
  home
• 3:45
  or
• 3:45
  planning
• 3:45
  to
• 3:45
  retire.
• 3:46
  General
• 3:47
  rules
• 3:47
  of
• 3:47
  thumb
• 3:47
  here.
• 3:48
  If
• 3:48
  you
• 3:48
  don't
• 3:49
  need
• 3:49
  it
• 3:49
  for
• 3:49
  10
• 3:49
  years
• 3:50
  or
• 3:50
  more,
• 3:50
  growth
• 3:51
  is
• 3:51
  great.
• 3:51
  Even
• 3:52
  these
• 3:52
  ups
• 3:52
  and
• 3:52
  downs,
• 3:53
  they're
• 3:53
  a
• 3:53
  feature,
• 3:54
  not
• 3:54
  a
• 3:54
  bug.
• 3:55
  They're
• 3:55
  actually
• 3:55
  part
• 3:56
  of
• 3:56
  how
• 3:56
  you
• 3:56
  make
• 3:56
  money
• 3:56
  long
• 3:57
  term,
• 3:57
  but
• 3:58
  you
• 3:58
  have
• 3:58
  to
• 3:58
  ride
• 3:58
  through
• 3:59
  it.
• 3:59
  So
• 3:59
  10
• 4:00
  years
• 4:00
  or
• 4:00
  more
• 4:00
  growth
• 4:01
  is
• 4:01
  usually
• 4:01
  better.
• 4:02
  Needing
• 4:02
  it
• 4:02
  in
• 4:03
  five
• 4:03
  years
• 4:03
  or
• 4:03
  so.
• 4:04
  Something
• 4:04
  like
• 4:04
  balanced.
• 4:05
  If
• 4:05
  you're
• 4:06
  actively
• 4:06
  house
• 4:06
  hunting
• 4:07
  or
• 4:07
  thinking
• 4:07
  about
• 4:07
  retiring
• 4:08
  soon,
• 4:09
  conservative,
• 4:09
  much
• 4:10
  better.
• 4:10
  And
• 4:11
  what
• 4:11
  about
• 4:12
  fuel,
• 4:12
  gas
• 4:13
  itself?
• 4:14
  How
• 4:14
  can
• 4:14
  you
• 4:15
  kind
• 4:15
  of
• 4:15
  get
• 4:15
  the
• 4:15
  most
• 4:15
  out
• 4:16
  of
• 4:16
  that?
• 4:16
  Yeah,
• 4:17
  and
• 4:17
  I
• 4:17
  really
• 4:17
  think
• 4:18
  get
• 4:19
  smart
• 4:19
  with
• 4:19
  your
• 4:20
  fuel
• 4:20
  usage.
• 4:20
  I
• 4:21
  mean,
• 4:21
  they
• 4:21
  are
• 4:21
  saying
• 4:21
  there
• 4:22
  could
• 4:22
  be
• 4:22
  problems
• 4:23
  with
• 4:23
  that.
• 4:23
  Who
• 4:23
  knows?
• 4:24
  Just
• 4:24
  get
• 4:24
  smart
• 4:24
  with
• 4:25
  it
• 4:25
  now.
• 4:25
  This
• 4:25
  is
• 4:25
  a
• 4:25
  really
• 4:25
  great
• 4:26
  time
• 4:26
  to
• 4:26
  just
• 4:26
  recalibrate,
• 4:27
  reset.
• 4:27
  If
• 4:27
  you've
• 4:27
  got
• 4:28
  a
• 4:28
  roof
• 4:28
  rack,
• 4:28
  get
• 4:28
  it
• 4:28
  off.
• 4:29
  That
• 4:29
  really
• 4:29
  increases
• 4:30
  your
• 4:30
  fuel
• 4:30
  usage.
• 4:31
  Check
• 4:31
  your
• 4:32
  tire
• 4:32
  pressure,
• 4:32
  it's
• 4:33
  free.
• 4:33
  Why
• 4:33
  not
• 4:33
  check
• 4:34
  that?
• 4:34
  Huge
• 4:35
  impact
• 4:35
  on
• 4:35
  your
• 4:35
  fuel
• 4:35
  usage.
• 4:36
  Use
• 4:37
  those
• 4:37
  price
• 4:37
  comparison
• 4:38
  apps.
• 4:38
  People
• 4:39
  always
• 4:39
  yell
• 4:39
  at
• 4:39
  me
• 4:39
  over
• 4:39
  how
• 4:40
  this
• 4:40
  is
• 4:40
  pronounced.
• 4:40
  I
• 4:40
  don't
• 4:40
  know
• 4:40
  if
• 4:41
  it's
• 4:41
  gaspy
• 4:41
  or
• 4:41
  Gaspi.
• 4:42
  Whichever
• 4:42
  one
• 4:43
  I
• 4:43
  pick,
• 4:43
  we've
• 4:43
  gone
• 4:43
  with.
• 4:43
  We've
• 4:44
  gone
• 4:44
  with
• 4:44
  Gaspy.
• 4:45
  There
• 4:45
  we
• 4:45
  go.
• 4:45
  Holding
• 4:46
  strong
• 4:46
  on
• 4:46
  it.
• 4:46
  Yeah.
• 4:48
  So
• 4:48
  Gatsby
• 4:49
  is
• 4:49
  great,
• 4:49
  but,
• 4:49
  you
• 4:50
  know,
• 4:50
  it
• 4:50
  can
• 4:50
  make
• 4:50
  a
• 4:50
  huge
• 4:51
  difference.
• 4:51
  Huge
• 4:51
  difference.
• 4:52
  Price,
• 4:52
  compare.
• 4:53
  Really
• 4:53
  take
• 4:53
  control
• 4:54
  of
• 4:54
  those
• 4:54
  things
• 4:54
  and
• 4:55
  you're
• 4:55
  going
• 4:55
  to
• 4:55
  feel
• 4:56
  a
• 4:56
  bit
• 4:56
  better
• 4:56
  about
• 4:56
  it
• 4:57
  just
• 4:57
  by
• 4:57
  taking
• 4:57
  control
• 4:58
  of
• 4:58
  what
• 4:58
  you
• 4:58
  can.
• 4:59
  And
• 4:59
  that
• 4:59
  sense
• 4:59
  of
• 4:59
  powerlessness,
• 5:00
  though
• 5:01
  it
• 5:01
  does
• 5:01
  extend
• 5:02
  beyond
• 5:02
  that.
• 5:02
  Of
• 5:03
  course,
• 5:03
  a
• 5:03
  lot
• 5:03
  of
• 5:03
  what
• 5:03
  we're
• 5:03
  seeing
• 5:04
  here
• 5:04
  is
• 5:04
  the
• 5:04
  result
• 5:04
  of
• 5:04
  decisions
• 5:05
  made
• 5:05
  far,
• 5:05
  far
• 5:06
  away.
• 5:06
  What
• 5:06
  can
• 5:07
  we
• 5:07
  do
• 5:08
  here
• 5:08
  in
• 5:09
  order
• 5:09
  to
• 5:09
  maybe
• 5:10
  exert
• 5:10
  some
• 5:10
  sort
• 5:10
  of
• 5:11
  influence?
• 5:11
  And
• 5:12
  I
• 5:12
  think
• 5:12
  that's
• 5:12
  a
• 5:12
  really
• 5:12
  big
• 5:13
  thing
• 5:13
  is,
• 5:13
  you
• 5:13
  know,
• 5:14
  way
• 5:14
  back
• 5:15
  in
• 5:15
  the
• 5:15
  eons
• 5:16
  of
• 5:16
  time,
• 5:16
  before
• 5:16
  I
• 5:17
  got
• 5:17
  into
• 5:17
  business,
• 5:17
  I
• 5:18
  did
• 5:18
  political
• 5:18
  journalism.
• 5:19
  Right.
• 5:19
  People
• 5:20
  would
• 5:20
  be
• 5:20
  shocked
• 5:20
  how
• 5:21
  much
• 5:21
  a
• 5:21
  simple
• 5:21
  email
• 5:22
  to
• 5:22
  your
• 5:22
  MP
• 5:22
  actually
• 5:23
  does
• 5:23
  impact
• 5:23
  things,
• 5:24
  especially
• 5:25
  if
• 5:25
  there's
• 5:25
  a
• 5:25
  few
• 5:25
  of
• 5:25
  you
• 5:26
  emailing.
• 5:26
  So
• 5:27
  if
• 5:27
  you're
• 5:27
  looking
• 5:27
  at
• 5:27
  this
• 5:27
  and
• 5:28
  thinking,
• 5:28
  I
• 5:28
  wish
• 5:28
  more
• 5:29
  was
• 5:29
  happening
• 5:29
  with
• 5:29
  solar
• 5:30
  power,
• 5:30
  or
• 5:30
  I
• 5:30
  wish
• 5:30
  more
• 5:30
  was
• 5:31
  happening
• 5:31
  with
• 5:31
  electric
• 5:31
  vehicles
• 5:32
  or
• 5:32
  whatever
• 5:33
  your
• 5:33
  thing
• 5:33
  is,
• 5:33
  I'm
• 5:33
  not
• 5:34
  gonna
• 5:34
  tell
• 5:34
  people
• 5:34
  what
• 5:34
  to
• 5:34
  be
• 5:34
  keen
• 5:35
  on.
• 5:35
  But
• 5:35
  whatever
• 5:36
  you're
• 5:36
  keen
• 5:36
  on,
• 5:36
  if
• 5:37
  you
• 5:37
  do
• 5:37
  send
• 5:37
  just
• 5:38
  a
• 5:38
  quick
• 5:38
  email
• 5:38
  to
• 5:39
  your
• 5:39
  local
• 5:39
  mp,
• 5:40
  you
• 5:40
  would
• 5:40
  be
• 5:41
  shocked
• 5:41
  at
• 5:41
  the
• 5:42
  difference
• 5:42
  that
• 5:42
  can
• 5:42
  make.
• 5:42
  So
• 5:43
  if
• 5:43
  you
• 5:43
  are
• 5:43
  feeling
• 5:44
  like
• 5:44
  something
• 5:44
  needs
• 5:44
  to
• 5:44
  change,
• 5:45
  you
• 5:45
  tell
• 5:46
  them.
• 5:46
  They
• 5:46
  don't
• 5:46
  know
• 5:46
  unless
• 5:46
  you
• 5:46
  tell
• 5:47
  them.
• 5:47
  Make
• 5:47
  your
• 5:47
  voice
• 5:48
  heard.
• 5:48
  Yeah,
• 5:48
  great
• 5:48
  advice.
• 5:49
  Always
• 5:49
  nice
• 5:49
  to
• 5:49
  have
• 5:49
  you
• 5:50
  here,
• 5:50
  Francis
• 5:50
  Cook.
• 5:50
  Appreciate
• 5:51
  your
• 5:51
  insights.
• 5:52
  Thanks
• 5:52
  for
• 5:52
  having
• 5:52
  me.
• 5:53
  This
• 5:53
  podcast
• 5:54
  can
• 5:54
  only
• 5:54
  give
• 5:54
  you
• 5:55
  general
• 5:55
  information
• 5:55
  about
• 5:56
  how
• 5:56
  things
• 5:56
  work
• 5:57
  in
• 5:57
  most
• 5:57
  cities
• 5:58
  situations.
• 5:58
  It's
• 5:59
  not
• 5:59
  individual
• 6:00
  financial
• 6:00
  advice
• 6:01
  if
• 6:01
  you're
• 6:01
  after
• 6:01
  that.
• 6:02
  A
• 6:02
  financial
• 6:02
  advisor
• 6:03
  is
• 6:03
  always
• 6:04
  the
• 6:04
  best
• 6:04
  bet.