Latest / Making Cents / The Quick Calculation To Know If Solar and EVs Are Right For You

Transcript

The Quick Calculation To Know If Solar and EVs Are Right For You · Making Cents

• 0:02
  Hey
• 0:02
  team,
• 0:02
  it's
• 0:02
  Francis.
• 0:03
  Well,
• 0:04
  my
• 0:04
  chat
• 0:04
  about
• 0:04
  solar
• 0:05
  power
• 0:05
  and
• 0:05
  electric
• 0:06
  vehicles
• 0:06
  was
• 0:06
  more
• 0:06
  popular
• 0:07
  than
• 0:07
  I
• 0:07
  thought.
• 0:08
  It
• 0:08
  seems
• 0:08
  that
• 0:08
  the
• 0:08
  oil
• 0:09
  crisis
• 0:09
  has
• 0:09
  got
• 0:09
  a
• 0:09
  lot
• 0:10
  of
• 0:10
  us
• 0:10
  making
• 0:10
  some
• 0:10
  hard
• 0:10
  decisions
• 0:11
  and
• 0:11
  yeah,
• 0:12
  it's
• 0:12
  that
• 0:12
  kind
• 0:13
  of
• 0:13
  situation,
• 0:13
  isn't
• 0:13
  it?
• 0:14
  TVNZ
• 0:15
  Breakfast
• 0:15
  also
• 0:16
  wanted
• 0:16
  to
• 0:16
  have
• 0:16
  a
• 0:17
  chat
• 0:17
  about
• 0:17
  it,
• 0:17
  so
• 0:18
  I
• 0:18
  ran
• 0:18
  some
• 0:18
  really
• 0:19
  rough
• 0:19
  numbers
• 0:20
  to
• 0:20
  help
• 0:20
  you
• 0:21
  do
• 0:21
  some
• 0:21
  back
• 0:21
  of
• 0:21
  the
• 0:22
  envelope
• 0:22
  calculations
• 0:23
  on
• 0:23
  whether
• 0:23
  solar
• 0:24
  could
• 0:24
  also
• 0:24
  work
• 0:24
  for
• 0:25
  you
• 0:26
  and
• 0:26
  they
• 0:26
  said
• 0:26
  I
• 0:26
  could
• 0:26
  also
• 0:27
  put
• 0:27
  that
• 0:27
  conversation
• 0:27
  here
• 0:28
  for
• 0:28
  you,
• 0:28
  so
• 0:29
  hope
• 0:29
  it
• 0:29
  helps.
• 0:30
  Look,
• 0:30
  there
• 0:30
  were
• 0:31
  lots
• 0:31
  of
• 0:31
  questions
• 0:32
  after
• 0:32
  the
• 0:32
  previous
• 0:33
  solar
• 0:33
  power
• 0:34
  electric
• 0:34
  vehicle
• 0:35
  episode,
• 0:36
  so
• 0:36
  I'm
• 0:36
  going
• 0:36
  to
• 0:36
  do
• 0:37
  a
• 0:37
  deep
• 0:37
  dive
• 0:37
  on
• 0:38
  all
• 0:38
  of
• 0:38
  those
• 0:38
  issues
• 0:39
  in
• 0:39
  my
• 0:39
  newsletter.
• 0:40
  I
• 0:40
  think
• 0:40
  that'll
• 0:41
  be
• 0:41
  an
• 0:41
  easier
• 0:41
  format
• 0:42
  to
• 0:42
  dive
• 0:42
  into
• 0:42
  some
• 0:43
  of
• 0:43
  those
• 0:43
  details
• 0:43
  for
• 0:43
  you.
• 0:44
  If
• 0:44
  you
• 0:45
  want
• 0:45
  to
• 0:45
  read
• 0:45
  that
• 0:45
  when
• 0:45
  it
• 0:45
  comes
• 0:46
  out,
• 0:46
  head
• 0:46
  to
• 0:46
  Francisco
• 0:47
  Co
• 0:48
  NZ
• 0:49
  Invest
• 0:49
  and
• 0:50
  put
• 0:50
  your
• 0:50
  email
• 0:50
  address
• 0:51
  in
• 0:51
  there.
• 0:51
  I'll
• 0:51
  put
• 0:52
  the
• 0:52
  link
• 0:52
  in
• 0:52
  the
• 0:52
  show
• 0:52
  notes
• 0:52
  of
• 0:53
  this
• 0:53
  episode
• 0:53
  too.
• 0:54
  Anyway,
• 0:54
  enjoy.
• 1:00
  Power
• 1:01
  prices
• 1:01
  are
• 1:02
  climbing.
• 1:02
  Petrol
• 1:02
  costs
• 1:03
  are
• 1:03
  soaring.
• 1:03
  And
• 1:03
  for
• 1:03
  many
• 1:04
  Kiwis
• 1:04
  it's
• 1:05
  getting
• 1:05
  harder
• 1:05
  to
• 1:05
  figure
• 1:06
  out
• 1:06
  where
• 1:06
  to
• 1:06
  make
• 1:07
  any
• 1:07
  savings
• 1:07
  at
• 1:07
  all.
• 1:08
  But
• 1:08
  some
• 1:08
  households
• 1:09
  are
• 1:09
  taking
• 1:09
  a
• 1:09
  different
• 1:09
  approach,
• 1:10
  investing
• 1:10
  in
• 1:10
  things
• 1:11
  like
• 1:11
  solar
• 1:11
  panels
• 1:12
  and
• 1:12
  electric
• 1:12
  vehicles
• 1:13
  to
• 1:13
  try
• 1:13
  and
• 1:13
  cut
• 1:14
  costs
• 1:14
  in
• 1:14
  the
• 1:14
  long
• 1:15
  run.
• 1:15
  So
• 1:15
  could
• 1:16
  these
• 1:16
  strategies
• 1:16
  actually
• 1:17
  work
• 1:17
  for
• 1:17
  you
• 1:17
  and
• 1:17
  your
• 1:18
  family?
• 1:18
  Let's
• 1:18
  bring
• 1:18
  in
• 1:18
  independent
• 1:19
  financial
• 1:19
  journalist
• 1:20
  Frances
• 1:20
  Cook.
• 1:20
  Morina.
• 1:21
  Francis,
• 1:21
  I
• 1:21
  know
• 1:21
  you've
• 1:22
  got
• 1:22
  firsthand
• 1:22
  experience
• 1:22
  with
• 1:23
  a
• 1:23
  lot
• 1:23
  of
• 1:23
  things
• 1:23
  we're
• 1:23
  talking
• 1:23
  about
• 1:24
  today,
• 1:24
  which
• 1:24
  is
• 1:24
  wonderful.
• 1:25
  Let's
• 1:25
  start
• 1:25
  with
• 1:26
  solar
• 1:26
  panels.
• 1:27
  Who
• 1:27
  is
• 1:28
  a
• 1:28
  good
• 1:28
  candidate
• 1:29
  for
• 1:29
  investing
• 1:30
  in
• 1:30
  something
• 1:30
  like
• 1:31
  solar?
• 1:31
  Yeah,
• 1:32
  and
• 1:32
  it's
• 1:32
  as
• 1:32
  you
• 1:33
  say,
• 1:33
  those
• 1:33
  power
• 1:34
  prices
• 1:34
  going
• 1:34
  through
• 1:34
  the
• 1:34
  roof,
• 1:35
  the
• 1:35
  fuel
• 1:36
  costs,
• 1:36
  insane.
• 1:37
  So
• 1:37
  if
• 1:37
  you're
• 1:38
  looking
• 1:38
  at.
• 1:38
  Apparently
• 1:39
  the
• 1:39
  average
• 1:39
  New
• 1:40
  Zealand
• 1:40
  household
• 1:41
  Now
• 1:41
  spends
• 1:41
  about
• 1:41
  $200
• 1:42
  a
• 1:42
  month
• 1:42
  on
• 1:43
  their
• 1:43
  electricity.
• 1:44
  That
• 1:44
  is
• 1:44
  old
• 1:45
  stats.
• 1:45
  It
• 1:45
  will
• 1:45
  be
• 1:45
  more
• 1:46
  than
• 1:46
  that
• 1:46
  by
• 1:46
  now.
• 1:47
  So
• 1:47
  a
• 1:48
  little
• 1:48
  rule
• 1:48
  of
• 1:48
  thumb
• 1:49
  is
• 1:49
  if
• 1:49
  you're
• 1:49
  spending
• 1:49
  more
• 1:49
  than
• 1:49
  180amonth,
• 1:51
  then
• 1:51
  solar
• 1:52
  could
• 1:52
  help
• 1:52
  bring
• 1:53
  your
• 1:53
  power
• 1:53
  prices
• 1:54
  down.
• 1:54
  The
• 1:54
  trick
• 1:54
  is
• 1:55
  this
• 1:55
  is
• 1:55
  another
• 1:55
  one
• 1:55
  where
• 1:56
  it
• 1:56
  works
• 1:56
  best
• 1:56
  for
• 1:56
  homeowners
• 1:57
  because
• 1:57
  you
• 1:58
  have
• 1:58
  to
• 1:58
  be
• 1:59
  in
• 1:59
  that
• 1:59
  house
• 1:59
  for
• 2:00
  the
• 2:00
  long
• 2:00
  term
• 2:01
  for
• 2:01
  it
• 2:01
  to
• 2:01
  be
• 2:02
  giving
• 2:02
  you
• 2:02
  a
• 2:02
  cost
• 2:03
  saving
• 2:03
  over
• 2:03
  a
• 2:03
  long
• 2:03
  period
• 2:03
  of
• 2:04
  time.
• 2:04
  Yeah.
• 2:04
  So
• 2:04
  not
• 2:05
  only
• 2:05
  a
• 2:05
  homeowner,
• 2:05
  but
• 2:05
  you
• 2:06
  really
• 2:06
  do
• 2:06
  intend
• 2:06
  to
• 2:07
  stay
• 2:07
  in
• 2:07
  that
• 2:07
  property
• 2:07
  for
• 2:08
  quite
• 2:08
  some
• 2:08
  time.
• 2:09
  So
• 2:09
  what
• 2:09
  would
• 2:10
  be
• 2:10
  the
• 2:10
  initial
• 2:11
  outlay
• 2:12
  to
• 2:12
  say
• 2:12
  getting
• 2:12
  them
• 2:12
  on
• 2:13
  your
• 2:13
  ceiling
• 2:13
  on
• 2:13
  your
• 2:13
  roof?
• 2:14
  Sorry.
• 2:14
  Yeah,
• 2:15
  well,
• 2:15
  so
• 2:15
  the
• 2:15
  average
• 2:16
  install
• 2:16
  is
• 2:17
  16,500
• 2:18
  in
• 2:18
  New
• 2:18
  Zealand.
• 2:19
  So
• 2:19
  that
• 2:19
  is
• 2:19
  quite
• 2:19
  a
• 2:20
  bit.
• 2:20
  You
• 2:20
  can
• 2:20
  get
• 2:20
  it
• 2:20
  less.
• 2:20
  It
• 2:21
  depends
• 2:21
  if
• 2:22
  you
• 2:22
  have
• 2:22
  a
• 2:22
  north
• 2:22
  facing
• 2:23
  roof,
• 2:23
  then
• 2:24
  you
• 2:24
  can
• 2:24
  often
• 2:24
  get
• 2:24
  more
• 2:24
  power
• 2:25
  coming
• 2:25
  in
• 2:25
  and
• 2:26
  really
• 2:26
  good
• 2:26
  generation.
• 2:27
  And
• 2:28
  then
• 2:28
  as
• 2:28
  well,
• 2:28
  if
• 2:28
  you
• 2:29
  can
• 2:29
  access
• 2:29
  something
• 2:29
  like
• 2:29
  a
• 2:30
  green
• 2:30
  loan.
• 2:30
  It
• 2:30
  makes
• 2:30
  it
• 2:30
  a
• 2:31
  little
• 2:31
  cheap
• 2:31
  here,
• 2:31
  but
• 2:32
  you
• 2:32
  really
• 2:33
  want
• 2:33
  to
• 2:33
  be
• 2:33
  thinking
• 2:33
  about,
• 2:33
  I'm
• 2:34
  going
• 2:34
  to
• 2:34
  be
• 2:34
  here
• 2:34
  for
• 2:34
  a
• 2:34
  long
• 2:34
  time,
• 2:35
  I've
• 2:35
  got
• 2:35
  a
• 2:35
  good
• 2:35
  north
• 2:35
  facing
• 2:36
  roof
• 2:36
  and
• 2:37
  that
• 2:37
  16,500
• 2:39
  is
• 2:39
  a
• 2:39
  lot.
• 2:39
  Have
• 2:40
  a
• 2:40
  little
• 2:40
  look
• 2:41
  at
• 2:41
  your
• 2:41
  power
• 2:42
  bill
• 2:43
  for
• 2:43
  the
• 2:43
  year.
• 2:44
  Divide
• 2:44
  the
• 2:45
  16,500
• 2:46
  by
• 2:46
  your
• 2:46
  yearly
• 2:47
  power
• 2:47
  bill.
• 2:48
  That
• 2:48
  gives
• 2:48
  you
• 2:48
  a
• 2:48
  really
• 2:49
  rough
• 2:49
  back
• 2:49
  of
• 2:50
  the
• 2:50
  envelope
• 2:50
  calculation
• 2:50
  on
• 2:51
  how
• 2:51
  long
• 2:51
  it
• 2:51
  would
• 2:51
  take
• 2:51
  for
• 2:51
  you
• 2:52
  to
• 2:52
  pay
• 2:52
  back.
• 2:53
  And
• 2:53
  then
• 2:53
  your
• 2:53
  average
• 2:53
  solar
• 2:54
  system
• 2:55
  can
• 2:55
  last
• 2:55
  sort
• 2:55
  of
• 2:55
  20
• 2:55
  to
• 2:56
  25
• 2:56
  years.
• 2:56
  So
• 2:56
  it's
• 2:56
  like,
• 2:57
  okay,
• 2:57
  if
• 2:57
  this
• 2:57
  is
• 2:57
  going
• 2:58
  to
• 2:58
  take
• 2:58
  me
• 2:58
  eight
• 2:58
  years
• 2:58
  to
• 2:59
  pay
• 2:59
  off,
• 2:59
  then
• 3:00
  I've
• 3:00
  got
• 3:00
  another
• 3:00
  maybe
• 3:01
  15
• 3:01
  to
• 3:01
  20
• 3:02
  years
• 3:02
  of
• 3:02
  free
• 3:02
  power,
• 3:03
  then
• 3:03
  that's
• 3:03
  looking
• 3:04
  pretty
• 3:04
  good.
• 3:04
  But
• 3:04
  you
• 3:05
  do
• 3:05
  want
• 3:05
  to
• 3:05
  be
• 3:05
  sticking
• 3:05
  with
• 3:05
  it
• 3:05
  long
• 3:05
  term.
• 3:06
  You
• 3:06
  have
• 3:06
  to
• 3:06
  stick
• 3:06
  with
• 3:06
  it
• 3:06
  long
• 3:07
  term.
• 3:07
  And
• 3:07
  I
• 3:07
  think
• 3:07
  that
• 3:07
  might
• 3:08
  be
• 3:08
  scary
• 3:08
  for
• 3:08
  some
• 3:08
  people
• 3:09
  because
• 3:09
  they
• 3:09
  might
• 3:09
  not
• 3:09
  necessarily
• 3:10
  want
• 3:10
  to
• 3:10
  lock
• 3:11
  in
• 3:11
  for
• 3:11
  something
• 3:11
  that
• 3:11
  long.
• 3:11
  But
• 3:12
  I
• 3:12
  mean,
• 3:12
  the
• 3:12
  people
• 3:12
  that
• 3:12
  did
• 3:12
  it
• 3:12
  10
• 3:13
  years
• 3:13
  ago
• 3:13
  are,
• 3:14
  you
• 3:14
  know,
• 3:15
  laughing
• 3:15
  right
• 3:15
  now,
• 3:16
  aren't
• 3:16
  they?
• 3:17
  And
• 3:17
  in
• 3:17
  terms
• 3:17
  of
• 3:18
  EVs,
• 3:18
  obviously
• 3:18
  we
• 3:18
  know
• 3:19
  these
• 3:19
  are
• 3:19
  selling
• 3:19
  like
• 3:19
  hotcakes
• 3:20
  around
• 3:20
  the
• 3:20
  country
• 3:21
  right
• 3:21
  now.
• 3:21
  Who
• 3:22
  might
• 3:23
  be
• 3:23
  a
• 3:23
  good
• 3:23
  person
• 3:23
  to
• 3:24
  consider
• 3:24
  an
• 3:24
  ev?
• 3:24
  I
• 3:24
  mean,
• 3:25
  do
• 3:25
  they
• 3:25
  work
• 3:25
  for
• 3:25
  everyone?
• 3:26
  Yeah.
• 3:26
  So
• 3:27
  the
• 3:27
  big
• 3:27
  thing
• 3:27
  that
• 3:27
  you
• 3:28
  often
• 3:28
  end
• 3:28
  up
• 3:28
  paying
• 3:28
  for
• 3:29
  if
• 3:29
  you've
• 3:29
  got
• 3:29
  an
• 3:29
  electric
• 3:30
  car
• 3:30
  is
• 3:30
  range.
• 3:31
  And
• 3:31
  that's
• 3:31
  how
• 3:31
  long
• 3:31
  your
• 3:32
  battery
• 3:32
  lasts
• 3:32
  before
• 3:33
  you
• 3:33
  need
• 3:33
  to
• 3:33
  charge
• 3:33
  it
• 3:33
  up
• 3:33
  again.
• 3:34
  If
• 3:34
  you're
• 3:34
  just,
• 3:35
  you
• 3:35
  know,
• 3:35
  tootling
• 3:35
  around
• 3:36
  Auckland
• 3:36
  or
• 3:36
  Wellington
• 3:37
  and
• 3:37
  you
• 3:37
  don't
• 3:37
  really
• 3:37
  go
• 3:37
  on
• 3:37
  many
• 3:38
  road
• 3:38
  trips,
• 3:38
  you're
• 3:38
  not
• 3:38
  on
• 3:38
  the
• 3:38
  road
• 3:38
  for
• 3:39
  work
• 3:39
  much,
• 3:39
  then
• 3:40
  it's
• 3:40
  not
• 3:41
  so
• 3:41
  bad.
• 3:41
  You
• 3:41
  don't
• 3:41
  need
• 3:42
  much
• 3:42
  range.
• 3:42
  You
• 3:42
  could
• 3:42
  probably
• 3:43
  get
• 3:43
  away
• 3:43
  with
• 3:43
  a
• 3:43
  little
• 3:43
  secondhand
• 3:44
  Nissan
• 3:44
  Leaf,
• 3:45
  whatever.
• 3:45
  Yes.
• 3:46
  If
• 3:46
  you
• 3:46
  are
• 3:46
  someone
• 3:46
  like
• 3:47
  me
• 3:47
  who
• 3:47
  drives
• 3:47
  a
• 3:48
  lot
• 3:48
  for
• 3:48
  work,
• 3:48
  then
• 3:49
  you
• 3:49
  might
• 3:49
  need
• 3:49
  to
• 3:49
  spend
• 3:49
  more
• 3:50
  on
• 3:50
  a
• 3:50
  car
• 3:50
  that
• 3:50
  has
• 3:50
  bigger
• 3:51
  battery,
• 3:51
  bigger
• 3:52
  range.
• 3:52
  But
• 3:52
  if
• 3:53
  you
• 3:53
  are
• 3:53
  already
• 3:53
  doing
• 3:54
  something
• 3:54
  like
• 3:55
  the
• 3:55
  solar,
• 3:56
  then
• 3:56
  it's
• 3:57
  potentially
• 3:57
  worth
• 3:58
  considering.
• 3:58
  How
• 3:59
  much
• 3:59
  can
• 3:59
  you
• 3:59
  stack
• 3:59
  up
• 4:00
  here?
• 4:00
  It's
• 4:00
  not
• 4:00
  that
• 4:01
  much
• 4:01
  of
• 4:01
  an
• 4:01
  extra
• 4:01
  investment.
• 4:02
  If
• 4:03
  you
• 4:03
  can
• 4:03
  get
• 4:03
  a
• 4:04
  cheaper
• 4:04
  install
• 4:05
  and
• 4:05
  a
• 4:05
  cheaper
• 4:06
  secondhand
• 4:06
  electric
• 4:07
  car,
• 4:07
  you
• 4:07
  might
• 4:07
  be
• 4:08
  looking
• 4:08
  at
• 4:08
  $20,000
• 4:09
  tops,
• 4:10
  which
• 4:10
  at
• 4:10
  that
• 4:11
  point,
• 4:11
  yes,
• 4:12
  that's
• 4:12
  a
• 4:12
  lot
• 4:12
  of
• 4:12
  money.
• 4:13
  But
• 4:13
  if
• 4:13
  you
• 4:13
  can
• 4:13
  finance
• 4:14
  it
• 4:14
  right
• 4:14
  then
• 4:14
  it's
• 4:14
  sort
• 4:15
  of
• 4:15
  looking
• 4:15
  like
• 4:15
  a
• 4:15
  bit
• 4:15
  of
• 4:15
  an
• 4:15
  investment
• 4:16
  in
• 4:16
  the
• 4:16
  future.
• 4:17
  And
• 4:17
  you
• 4:17
  quickly
• 4:17
  mentioned
• 4:18
  green
• 4:18
  loans
• 4:19
  just
• 4:19
  a
• 4:19
  moment
• 4:19
  ago.
• 4:19
  Tell
• 4:20
  us
• 4:20
  more
• 4:20
  about
• 4:20
  that
• 4:20
  because
• 4:20
  I'm
• 4:21
  not
• 4:21
  sure
• 4:21
  everyone
• 4:21
  actually
• 4:21
  knows
• 4:22
  that
• 4:22
  these
• 4:22
  even
• 4:23
  exist.
• 4:23
  Do
• 4:24
  all
• 4:24
  banks
• 4:24
  offer
• 4:24
  them
• 4:25
  and
• 4:25
  how
• 4:25
  do
• 4:25
  they
• 4:26
  work?
• 4:26
  Yeah,
• 4:26
  so
• 4:27
  this
• 4:27
  is
• 4:27
  a
• 4:27
  thing
• 4:27
  that
• 4:27
  takes
• 4:28
  it
• 4:28
  from
• 4:28
  who
• 4:28
  has
• 4:29
  $20,000
• 4:29
  to
• 4:30
  invest
• 4:30
  in
• 4:30
  this
• 4:30
  to
• 4:30
  oh,
• 4:31
  this
• 4:31
  might
• 4:31
  actually
• 4:31
  work.
• 4:32
  Pretty
• 4:32
  much
• 4:33
  all
• 4:33
  the
• 4:33
  major
• 4:33
  banks
• 4:34
  have
• 4:34
  these
• 4:34
  green
• 4:35
  loans
• 4:35
  where
• 4:36
  you
• 4:36
  can
• 4:36
  access
• 4:37
  sort
• 4:37
  of
• 4:37
  0
• 4:38
  to
• 4:38
  1%
• 4:39
  interest
• 4:39
  rate.
• 4:39
  You
• 4:40
  do
• 4:40
  have
• 4:40
  to
• 4:40
  pay
• 4:40
  it
• 4:40
  back
• 4:40
  faster.
• 4:41
  It's
• 4:41
  sort
• 4:41
  of
• 4:41
  three
• 4:42
  to
• 4:42
  five
• 4:42
  years.
• 4:42
  It's
• 4:43
  all
• 4:43
  depending
• 4:43
  on
• 4:43
  your
• 4:43
  bank.
• 4:44
  But
• 4:44
  then
• 4:45
  when
• 4:45
  you're
• 4:45
  doing
• 4:46
  it
• 4:46
  like
• 4:46
  that,
• 4:46
  with
• 4:46
  money
• 4:46
  that
• 4:47
  is
• 4:47
  really
• 4:48
  very
• 4:48
  cheap,
• 4:49
  then
• 4:49
  it
• 4:49
  makes
• 4:49
  it
• 4:49
  easier
• 4:50
  to
• 4:50
  get
• 4:50
  the
• 4:50
  capital
• 4:51
  and
• 4:51
  then
• 4:51
  get
• 4:51
  those
• 4:51
  savings.
• 4:53
  Direct
• 4:53
  your
• 4:53
  former
• 4:54
  power
• 4:54
  bill
• 4:54
  spending
• 4:54
  to
• 4:55
  paying
• 4:55
  that
• 4:55
  off,
• 4:56
  then
• 4:56
  you're
• 4:56
  looking
• 4:57
  a
• 4:57
  lot
• 4:57
  better.
• 4:57
  Home
• 4:58
  and
• 4:58
  host.
• 4:58
  Home
• 4:58
  and
• 4:58
  host.
• 4:59
  How
• 4:59
  long,
• 5:00
  I
• 5:00
  mean,
• 5:00
  how
• 5:00
  easy
• 5:00
  it
• 5:00
  is
• 5:01
  to
• 5:01
  get
• 5:01
  these
• 5:01
  green
• 5:01
  lights?
• 5:02
  Yeah,
• 5:02
  it's
• 5:02
  tricky,
• 5:03
  right,
• 5:03
  because
• 5:03
  this
• 5:03
  is
• 5:03
  another
• 5:04
  one
• 5:04
  of
• 5:04
  those
• 5:04
  things
• 5:04
  where
• 5:04
  if
• 5:05
  you
• 5:05
  own
• 5:05
  a
• 5:05
  home
• 5:05
  and
• 5:06
  you've
• 5:06
  got
• 5:06
  a
• 5:06
  mortgage,
• 5:07
  then
• 5:07
  it
• 5:07
  becomes
• 5:07
  so
• 5:08
  much
• 5:08
  easier
• 5:09
  and
• 5:09
  it
• 5:09
  is
• 5:09
  a
• 5:09
  little
• 5:10
  tricky
• 5:10
  on
• 5:10
  that
• 5:10
  front.
• 5:11
  But
• 5:11
  I
• 5:11
  do
• 5:11
  still
• 5:12
  think,
• 5:12
  you
• 5:12
  know,
• 5:12
  if
• 5:12
  we're
• 5:13
  looking
• 5:13
  at
• 5:13
  an
• 5:13
  oil
• 5:13
  crisis
• 5:14
  like
• 5:14
  this
• 5:14
  where
• 5:14
  we're
• 5:15
  saying,
• 5:15
  well,
• 5:15
  hey,
• 5:16
  we're
• 5:16
  needing
• 5:16
  to
• 5:16
  get
• 5:17
  some
• 5:17
  pressure
• 5:18
  off
• 5:18
  our
• 5:18
  fuel
• 5:18
  supplies,
• 5:19
  we
• 5:19
  need
• 5:19
  fewer
• 5:19
  people
• 5:20
  using
• 5:20
  petrol,
• 5:20
  more
• 5:21
  people
• 5:21
  electric.
• 5:22
  Even
• 5:22
  if
• 5:23
  we're
• 5:23
  saying
• 5:23
  we're
• 5:23
  getting
• 5:24
  some
• 5:24
  more
• 5:24
  electric
• 5:25
  cars
• 5:25
  into
• 5:25
  the
• 5:25
  system,
• 5:26
  then
• 5:26
  that
• 5:26
  all
• 5:27
  helps.
• 5:27
  So
• 5:27
  I
• 5:27
  know
• 5:28
  it
• 5:28
  can
• 5:28
  feel
• 5:28
  a
• 5:28
  little
• 5:28
  frustrating
• 5:29
  if
• 5:29
  people
• 5:29
  aren't
• 5:29
  a
• 5:30
  homeowner
• 5:30
  or
• 5:30
  they're
• 5:30
  not
• 5:30
  staying
• 5:31
  there
• 5:31
  for
• 5:31
  long,
• 5:31
  but
• 5:32
  still
• 5:32
  getting
• 5:32
  the
• 5:32
  stuff
• 5:33
  into
• 5:33
  the
• 5:33
  system
• 5:33
  and
• 5:33
  starting
• 5:34
  to
• 5:34
  change,
• 5:34
  that
• 5:35
  can
• 5:35
  have
• 5:35
  flow
• 5:35
  on
• 5:35
  effects
• 5:36
  that
• 5:36
  make
• 5:36
  it
• 5:36
  a
• 5:36
  little
• 5:36
  easier
• 5:36
  for
• 5:37
  everyone.
• 5:37
  Well,
• 5:37
  thank
• 5:38
  you
• 5:38
  so
• 5:38
  much
• 5:38
  for
• 5:38
  your
• 5:39
  sage
• 5:39
  advice
• 5:39
  as
• 5:40
  always,
• 5:40
  Frances
• 5:40
  Kirk.
• 5:40
  Appreciate
• 5:41
  you
• 5:41
  coming
• 5:41
  in.
• 5:42
  This
• 5:42
  podcast
• 5:43
  can
• 5:43
  only
• 5:43
  give
• 5:43
  you
• 5:43
  general
• 5:44
  information
• 5:44
  about
• 5:45
  how
• 5:45
  things
• 5:45
  work
• 5:46
  in
• 5:46
  most
• 5:46
  situations.
• 5:47
  It's
• 5:48
  not
• 5:48
  individual
• 5:48
  financial
• 5:49
  advice.
• 5:50
  If
• 5:50
  you're
• 5:50
  after
• 5:50
  that,
• 5:51
  a
• 5:51
  financial
• 5:51
  advisor
• 5:52
  is
• 5:52
  always
• 5:52
  the
• 5:53
  best
• 5:53
  bet.