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Breakup reset: how to rebuild financially in your 40s and 50s · Making Cents

• 0:00
  Breakups
• 0:00
  don't
• 0:01
  just
• 0:01
  end
• 0:01
  relationships,
• 0:02
  they
• 0:02
  force
• 0:03
  decisions,
• 0:04
  big
• 0:04
  ones,
• 0:05
  and
• 0:05
  a
• 0:05
  lot
• 0:05
  of
• 0:05
  them
• 0:06
  can
• 0:06
  be
• 0:06
  financial,
• 0:07
  especially
• 0:08
  if
• 0:08
  you're
• 0:08
  in
• 0:08
  that
• 0:09
  crunchy
• 0:09
  time
• 0:10
  of
• 0:10
  life,
• 0:10
  your
• 0:10
  40s
• 0:11
  or
• 0:11
  50s,
• 0:12
  when
• 0:12
  a
• 0:13
  long
• 0:13
  term
• 0:13
  relationship
• 0:14
  ends,
• 0:14
  that
• 0:15
  you
• 0:15
  probably
• 0:16
  made
• 0:16
  serious
• 0:17
  financial
• 0:17
  decisions.
• 0:18
  Around
• 0:19
  now
• 0:19
  you're
• 0:19
  getting
• 0:20
  much
• 0:20
  closer
• 0:21
  to
• 0:21
  retirement
• 0:22
  but
• 0:22
  have
• 0:22
  to
• 0:23
  ask
• 0:23
  questions
• 0:24
  like
• 0:24
  what
• 0:25
  to
• 0:25
  do
• 0:25
  with
• 0:25
  the
• 0:25
  house
• 0:26
  and
• 0:26
  how
• 0:26
  you
• 0:27
  can
• 0:27
  rebuild
• 0:28
  QuickSmart.
• 0:29
  And
• 0:29
  that
• 0:30
  housing
• 0:30
  decision
• 0:31
  is
• 0:31
  enormous
• 0:32
  for
• 0:32
  both
• 0:33
  lifestyle
• 0:33
  and
• 0:34
  money.
• 0:34
  Your
• 0:34
  security,
• 0:35
  cash
• 0:36
  flow
• 0:36
  and
• 0:36
  whether
• 0:37
  your
• 0:37
  money
• 0:37
  will
• 0:37
  actually
• 0:38
  support
• 0:39
  the
• 0:39
  life
• 0:39
  you
• 0:39
  want
• 0:40
  in
• 0:40
  the
• 0:40
  years
• 0:40
  ahead.
• 0:42
  So
• 0:42
  whether
• 0:42
  you
• 0:42
  buy
• 0:43
  the
• 0:43
  X
• 0:43
  out,
• 0:44
  downsize
• 0:45
  or
• 0:45
  find
• 0:45
  a
• 0:45
  different
• 0:46
  solution
• 0:46
  entirely,
• 0:47
  the
• 0:47
  pressure
• 0:48
  is
• 0:49
  on.
• 0:50
  Well,
• 0:50
  welcome
• 0:51
  to
• 0:51
  Ask
• 0:51
  the
• 0:51
  Experts
• 0:52
  where
• 0:52
  each
• 0:52
  week
• 0:52
  people
• 0:53
  working
• 0:53
  in
• 0:53
  the
• 0:53
  money
• 0:53
  world
• 0:54
  answer
• 0:55
  your
• 0:55
  questions
• 0:55
  to
• 0:56
  get
• 0:56
  the
• 0:56
  answers
• 0:56
  you
• 0:57
  need.
• 0:57
  Right
• 0:58
  now,
• 0:59
  Making
• 0:59
  Sense
• 1:00
  is
• 1:00
  proudly
• 1:00
  supported
• 1:01
  by
• 1:01
  Heartland
• 1:02
  Bank,
• 1:02
  a
• 1:02
  New
• 1:02
  Zealand
• 1:03
  bank
• 1:03
  here
• 1:03
  to
• 1:04
  help
• 1:04
  you
• 1:04
  make
• 1:04
  the
• 1:04
  most
• 1:05
  of
• 1:05
  your
• 1:05
  money.
• 1:06
  In
• 1:06
  the
• 1:06
  hot
• 1:06
  seat,
• 1:07
  Will
• 1:07
  White,
• 1:07
  Heartland
• 1:08
  Bank.
• 1:08
  Welcome
• 1:09
  back.
• 1:09
  Are
• 1:09
  you
• 1:09
  ready
• 1:10
  for
• 1:10
  the
• 1:10
  letter?
• 1:10
  Sure.
• 1:11
  I'm
• 1:11
  Francis.
• 1:11
  All
• 1:12
  right,
• 1:12
  here
• 1:12
  we
• 1:12
  go.
• 1:13
  Kia
• 1:13
  ora
• 1:13
  Frances.
• 1:14
  I'm
• 1:14
  49.
• 1:15
  My
• 1:15
  10
• 1:16
  year
• 1:16
  relationship
• 1:16
  has
• 1:17
  ended
• 1:17
  and
• 1:17
  I'm
• 1:18
  stuck
• 1:18
  on
• 1:19
  whether
• 1:19
  to
• 1:19
  sell
• 1:19
  the
• 1:20
  house
• 1:20
  and
• 1:20
  split
• 1:20
  things
• 1:21
  with
• 1:21
  my
• 1:21
  ex
• 1:21
  partner
• 1:22
  or,
• 1:22
  or
• 1:22
  whether
• 1:22
  I
• 1:23
  should
• 1:23
  buy
• 1:23
  them
• 1:23
  out.
• 1:24
  If
• 1:25
  I
• 1:25
  buy
• 1:25
  them
• 1:25
  out,
• 1:25
  I
• 1:26
  can
• 1:26
  do
• 1:26
  it,
• 1:27
  but
• 1:27
  it
• 1:27
  will
• 1:27
  be
• 1:28
  tight.
• 1:29
  If
• 1:29
  I
• 1:29
  don't
• 1:30
  buy
• 1:30
  them
• 1:30
  out,
• 1:31
  I
• 1:31
  won't
• 1:31
  be
• 1:31
  able
• 1:32
  to
• 1:32
  afford
• 1:32
  to
• 1:32
  buy
• 1:32
  a
• 1:32
  property
• 1:33
  like
• 1:33
  the
• 1:33
  one
• 1:33
  we
• 1:34
  own
• 1:34
  currently.
• 1:35
  Together
• 1:36
  it's
• 1:36
  a
• 1:36
  three
• 1:36
  bedroom
• 1:37
  house
• 1:37
  and
• 1:37
  a
• 1:37
  large
• 1:38
  section
• 1:38
  and
• 1:39
  we
• 1:39
  have
• 1:39
  two
• 1:39
  dogs.
• 1:40
  I
• 1:41
  will
• 1:41
  just
• 1:41
  be
• 1:41
  able
• 1:42
  to
• 1:42
  afford
• 1:42
  a
• 1:43
  two
• 1:43
  bedroom
• 1:43
  duplex
• 1:44
  with
• 1:44
  no
• 1:45
  section.
• 1:45
  Ideally
• 1:46
  I
• 1:46
  would
• 1:46
  rather
• 1:47
  not
• 1:47
  have
• 1:47
  flatmates
• 1:48
  as
• 1:48
  I
• 1:48
  have
• 1:48
  a
• 1:49
  demanding
• 1:49
  job.
• 1:50
  I'm
• 1:50
  an
• 1:50
  introvert,
• 1:51
  so
• 1:51
  having
• 1:51
  my
• 1:51
  home
• 1:51
  be
• 1:52
  a
• 1:52
  space
• 1:52
  where
• 1:52
  I
• 1:52
  can
• 1:52
  decompress
• 1:53
  at
• 1:53
  the
• 1:53
  end
• 1:53
  of
• 1:53
  the
• 1:53
  day
• 1:54
  is
• 1:54
  important
• 1:55
  for
• 1:55
  my
• 1:55
  wellbeing.
• 1:56
  Honestly,
• 1:57
  I
• 1:57
  can't
• 1:57
  see
• 1:57
  myself
• 1:58
  making
• 1:58
  small
• 1:58
  talk
• 1:59
  with
• 1:59
  a
• 1:59
  flatmate
• 1:59
  after
• 2:00
  a
• 2:00
  tough
• 2:00
  day.
• 2:01
  But
• 2:01
  also
• 2:02
  maybe
• 2:02
  it's
• 2:02
  something
• 2:03
  I
• 2:03
  should
• 2:03
  give
• 2:03
  some
• 2:03
  serious
• 2:04
  thought
• 2:04
  to.
• 2:05
  So
• 2:05
  what
• 2:06
  is
• 2:06
  the
• 2:06
  better
• 2:06
  financial
• 2:07
  decision?
• 2:08
  Buy
• 2:08
  them
• 2:08
  out,
• 2:09
  Sell
• 2:09
  and
• 2:10
  rent
• 2:10
  or
• 2:11
  sell
• 2:11
  and
• 2:11
  buy?
• 2:12
  Is
• 2:12
  there
• 2:12
  another
• 2:13
  financial
• 2:13
  decision
• 2:13
  that
• 2:14
  I
• 2:14
  haven't
• 2:14
  thought
• 2:14
  about?
• 2:15
  Thanks
• 2:16
  for
• 2:16
  any
• 2:16
  advice
• 2:16
  you
• 2:17
  can
• 2:17
  give
• 2:17
  me.
• 2:18
  So
• 2:19
  a
• 2:19
  lot
• 2:19
  there,
• 2:20
  a
• 2:20
  lot
• 2:20
  there.
• 2:21
  Starting
• 2:22
  over
• 2:22
  in
• 2:23
  that
• 2:23
  sort
• 2:23
  of
• 2:23
  later
• 2:24
  life
• 2:24
  stage,
• 2:24
  the
• 2:24
  40s
• 2:25
  and
• 2:25
  50s,
• 2:26
  I
• 2:26
  feel
• 2:27
  like
• 2:27
  there's
• 2:28
  a
• 2:28
  little
• 2:28
  bit
• 2:28
  of
• 2:29
  a
• 2:29
  time
• 2:29
  crunch
• 2:30
  happening
• 2:30
  there.
• 2:31
  Right.
• 2:31
  So
• 2:31
  what
• 2:31
  do
• 2:31
  you
• 2:31
  think
• 2:32
  are
• 2:32
  the
• 2:32
  financial
• 2:32
  considerations
• 2:33
  that
• 2:33
  need
• 2:33
  to
• 2:33
  be
• 2:33
  weighing
• 2:34
  up
• 2:34
  in
• 2:34
  this
• 2:34
  moment?
• 2:35
  The
• 2:35
  most
• 2:35
  immediate
• 2:36
  one
• 2:36
  is
• 2:36
  probably
• 2:36
  the
• 2:36
  property
• 2:37
  decision
• 2:37
  because
• 2:37
  I
• 2:38
  assume
• 2:38
  that's
• 2:38
  on
• 2:38
  a
• 2:38
  bit
• 2:38
  of
• 2:38
  a
• 2:39
  time
• 2:39
  stamp.
• 2:40
  You've
• 2:40
  got
• 2:40
  to
• 2:40
  decide
• 2:40
  one
• 2:41
  way
• 2:41
  or
• 2:41
  the
• 2:41
  other
• 2:41
  what
• 2:41
  you
• 2:42
  want
• 2:42
  to
• 2:42
  do.
• 2:43
  You
• 2:43
  know,
• 2:44
  fellow
• 2:44
  introvert
• 2:44
  here.
• 2:45
  Yeah,
• 2:45
  I
• 2:45
  don't
• 2:45
  want
• 2:45
  to
• 2:46
  live
• 2:46
  with
• 2:46
  a
• 2:46
  housemate
• 2:47
  in
• 2:48
  my
• 2:48
  40s
• 2:48
  or
• 2:49
  50s
• 2:49
  either.
• 2:49
  So
• 2:50
  absolutely
• 2:50
  get
• 2:50
  where
• 2:51
  you're
• 2:51
  coming
• 2:51
  from.
• 2:51
  From
• 2:52
  that
• 2:52
  perspective
• 2:53
  also,
• 2:53
  how
• 2:54
  is
• 2:54
  the
• 2:54
  relationship
• 2:55
  between
• 2:56
  you
• 2:56
  and
• 2:56
  your
• 2:57
  ex?
• 2:57
  Is
• 2:57
  this
• 2:57
  going
• 2:57
  to
• 2:58
  be
• 2:58
  a
• 2:59
  transaction
• 2:59
  that
• 3:00
  can
• 3:00
  be
• 3:00
  done
• 3:00
  relatively
• 3:01
  easily
• 3:01
  or
• 3:02
  are
• 3:02
  we
• 3:02
  all
• 3:02
  lawyered
• 3:03
  up
• 3:03
  on
• 3:03
  both
• 3:03
  sides?
• 3:04
  How
• 3:04
  much
• 3:04
  stress
• 3:05
  and
• 3:05
  pressure
• 3:06
  do
• 3:06
  you
• 3:06
  want
• 3:06
  to
• 3:06
  go
• 3:06
  through?
• 3:07
  Even
• 3:07
  if
• 3:08
  it
• 3:08
  is
• 3:08
  financially
• 3:08
  possible?
• 3:09
  Do
• 3:09
  you
• 3:10
  want
• 3:10
  that
• 3:10
  emotional
• 3:11
  toll
• 3:12
  or
• 3:12
  is
• 3:12
  it
• 3:13
  better
• 3:13
  to
• 3:13
  part
• 3:14
  ways
• 3:14
  and
• 3:14
  go
• 3:14
  and
• 3:15
  do
• 3:15
  something
• 3:15
  else?
• 3:15
  Only
• 3:16
  you
• 3:16
  can
• 3:16
  answer
• 3:16
  that
• 3:17
  question.
• 3:17
  If
• 3:17
  it's
• 3:18
  tight
• 3:19
  to
• 3:19
  do
• 3:19
  the
• 3:19
  transaction
• 3:20
  today
• 3:20
  and
• 3:21
  find
• 3:21
  the
• 3:21
  money
• 3:21
  each
• 3:22
  month
• 3:22
  in
• 3:22
  order
• 3:22
  to
• 3:23
  pay
• 3:23
  the
• 3:23
  mortgage,
• 3:24
  what
• 3:24
  does
• 3:25
  tight
• 3:25
  look
• 3:25
  like
• 3:25
  when
• 3:26
  interest
• 3:26
  rates
• 3:26
  look
• 3:27
  different?
• 3:27
  So
• 3:27
  if
• 3:28
  interest
• 3:28
  rates
• 3:28
  were
• 3:28
  to
• 3:28
  go
• 3:29
  up
• 3:29
  over
• 3:29
  the
• 3:30
  next
• 3:30
  couple
• 3:30
  of
• 3:30
  years,
• 3:31
  what
• 3:31
  does
• 3:31
  that
• 3:32
  mean
• 3:32
  to
• 3:32
  your
• 3:33
  monthly
• 3:33
  budget?
• 3:33
  Have
• 3:34
  you
• 3:34
  considered
• 3:34
  that?
• 3:34
  If
• 3:35
  you
• 3:35
  haven't,
• 3:35
  that's
• 3:35
  definitely
• 3:36
  something
• 3:36
  you
• 3:36
  need
• 3:37
  to
• 3:37
  consider.
• 3:39
  The
• 3:39
  dogs
• 3:40
  is
• 3:40
  not
• 3:41
  mentioned,
• 3:41
  but
• 3:41
  are
• 3:42
  you
• 3:42
  keeping
• 3:42
  both
• 3:42
  of
• 3:43
  the
• 3:43
  dogs?
• 3:43
  Where
• 3:43
  are
• 3:43
  the
• 3:43
  pets
• 3:43
  going?
• 3:44
  Because
• 3:44
  again,
• 3:45
  that
• 3:45
  will
• 3:45
  play
• 3:46
  into
• 3:46
  your
• 3:46
  decision
• 3:47
  around
• 3:48
  a
• 3:48
  house
• 3:49
  and
• 3:50
  the
• 3:50
  space
• 3:50
  that
• 3:51
  you
• 3:51
  need.
• 3:51
  So
• 3:52
  they're
• 3:52
  all
• 3:52
  the
• 3:52
  things
• 3:52
  that
• 3:52
  you
• 3:53
  probably
• 3:53
  need
• 3:53
  to
• 3:53
  give
• 3:53
  some
• 3:54
  consideration
• 3:54
  to.
• 3:55
  Yeah.
• 3:55
  And
• 3:55
  I
• 3:56
  think
• 3:56
  that
• 3:56
  the
• 3:56
  house
• 3:57
  is
• 3:57
  such
• 3:58
  an
• 3:58
  important
• 3:58
  consideration.
• 3:59
  Right.
• 3:59
  Because
• 3:59
  it's
• 4:00
  both
• 4:00
  the
• 4:00
  financial
• 4:00
  and
• 4:01
  the
• 4:01
  lifestyle
• 4:02
  as
• 4:02
  you've
• 4:02
  pulled
• 4:03
  out
• 4:03
  there,
• 4:03
  I
• 4:04
  mean,
• 4:04
  especially
• 4:05
  in
• 4:05
  this
• 4:05
  later
• 4:05
  stage,
• 4:06
  getting
• 4:06
  closer
• 4:07
  to
• 4:07
  retirement.
• 4:08
  How
• 4:08
  important
• 4:08
  is
• 4:09
  the
• 4:09
  house
• 4:09
  piece.
• 4:10
  Piece
• 4:10
  of
• 4:10
  this?
• 4:11
  It's
• 4:11
  very
• 4:11
  important
• 4:11
  because
• 4:12
  it's
• 4:13
  shelter.
• 4:14
  You
• 4:14
  need
• 4:14
  somewhere
• 4:15
  to
• 4:15
  live
• 4:16
  again
• 4:17
  at
• 4:17
  this
• 4:17
  stage
• 4:17
  of
• 4:17
  life
• 4:18
  if
• 4:18
  you're
• 4:18
  going
• 4:18
  to
• 4:18
  be
• 4:19
  on
• 4:19
  your
• 4:20
  own,
• 4:20
  you
• 4:20
  know,
• 4:20
  for
• 4:21
  the
• 4:21
  foreseeable
• 4:21
  future,
• 4:23
  putting
• 4:23
  the
• 4:24
  pets
• 4:24
  to
• 4:24
  one
• 4:24
  side
• 4:24
  for
• 4:25
  a
• 4:25
  minute.
• 4:25
  Do
• 4:25
  you
• 4:25
  need
• 4:26
  a
• 4:26
  house
• 4:26
  of
• 4:26
  that
• 4:26
  size?
• 4:27
  Are
• 4:27
  you
• 4:27
  over
• 4:28
  stretching
• 4:28
  yourself
• 4:29
  for
• 4:29
  a
• 4:29
  size
• 4:29
  of
• 4:30
  a
• 4:30
  property
• 4:30
  that
• 4:30
  you
• 4:30
  actually
• 4:31
  don't
• 4:31
  need?
• 4:32
  Is
• 4:33
  it
• 4:33
  comfort?
• 4:34
  Is
• 4:34
  it
• 4:34
  you
• 4:34
  want
• 4:34
  to
• 4:34
  stay
• 4:35
  there
• 4:35
  because
• 4:35
  that's
• 4:36
  what
• 4:36
  you
• 4:36
  know
• 4:37
  people
• 4:37
  and
• 4:37
  you
• 4:37
  don't
• 4:38
  want
• 4:38
  the
• 4:38
  stress
• 4:39
  of
• 4:39
  having
• 4:39
  to
• 4:39
  go
• 4:39
  somewhere
• 4:40
  else.
• 4:40
  Which
• 4:40
  is
• 4:40
  completely
• 4:41
  understandable
• 4:42
  by
• 4:42
  the
• 4:42
  way.
• 4:42
  It's
• 4:42
  just
• 4:42
  a
• 4:43
  question
• 4:43
  you
• 4:43
  should
• 4:43
  probably
• 4:44
  pose
• 4:44
  to
• 4:44
  yourself.
• 4:45
  Why
• 4:45
  is
• 4:45
  it
• 4:46
  that
• 4:46
  I
• 4:46
  do
• 4:46
  want
• 4:46
  to
• 4:46
  stay
• 4:47
  here
• 4:47
  as
• 4:47
  opposed
• 4:48
  to
• 4:48
  doing
• 4:48
  something
• 4:49
  else?
• 4:49
  Yeah,
• 4:50
  I
• 4:50
  think
• 4:50
  that's
• 4:51
  actually
• 4:51
  as
• 4:52
  well.
• 4:52
  The
• 4:52
  point
• 4:52
  you
• 4:53
  made
• 4:53
  there
• 4:53
  about
• 4:53
  comfort
• 4:54
  is
• 4:55
  a
• 4:55
  really
• 4:55
  good
• 4:55
  point.
• 4:57
  I
• 4:57
  hadn't
• 4:57
  thought
• 4:57
  about
• 4:58
  this
• 4:58
  until
• 4:58
  as
• 4:58
  you
• 4:58
  said
• 4:59
  that,
• 4:59
  but
• 4:59
  I
• 4:59
  imagine
• 5:00
  with
• 5:00
  a
• 5:00
  10
• 5:00
  year
• 5:00
  relationship
• 5:01
  ending
• 5:02
  there
• 5:02
  would
• 5:03
  be
• 5:03
  a
• 5:03
  certain
• 5:03
  amount
• 5:04
  of
• 5:04
  pull
• 5:05
  towards
• 5:05
  decisions
• 5:06
  that
• 5:06
  keep
• 5:07
  some
• 5:07
  form
• 5:07
  of
• 5:08
  what
• 5:08
  you've
• 5:08
  known
• 5:08
  because
• 5:09
  that's
• 5:09
  turning
• 5:09
  your
• 5:10
  Life
• 5:10
  on
• 5:10
  its
• 5:10
  head.
• 5:11
  Yeah.
• 5:11
  When
• 5:11
  something
• 5:12
  as
• 5:13
  difficult
• 5:14
  as
• 5:14
  that's
• 5:14
  happened,
• 5:16
  what
• 5:16
  you
• 5:16
  can
• 5:16
  keep
• 5:16
  the
• 5:17
  same,
• 5:17
  you
• 5:18
  yearn
• 5:18
  to
• 5:18
  keep
• 5:19
  the
• 5:19
  same.
• 5:19
  So
• 5:19
  if
• 5:20
  you
• 5:20
  can
• 5:20
  have
• 5:21
  the
• 5:22
  creature
• 5:22
  comforts
• 5:23
  of
• 5:23
  the
• 5:23
  home
• 5:23
  you've
• 5:23
  lived
• 5:23
  in
• 5:24
  for
• 5:24
  many,
• 5:24
  many
• 5:25
  years
• 5:25
  and
• 5:25
  you
• 5:25
  don't
• 5:26
  have
• 5:26
  to
• 5:26
  turn
• 5:26
  all
• 5:27
  that
• 5:27
  on
• 5:27
  its
• 5:27
  head,
• 5:28
  of
• 5:28
  course
• 5:28
  you
• 5:28
  want
• 5:28
  to
• 5:29
  do
• 5:29
  that,
• 5:29
  and
• 5:30
  that
• 5:30
  might
• 5:30
  be
• 5:30
  reason
• 5:31
  enough
• 5:31
  to
• 5:31
  determine
• 5:32
  you
• 5:32
  are
• 5:32
  going
• 5:32
  to
• 5:32
  stay
• 5:32
  where
• 5:33
  you
• 5:33
  are
• 5:33
  and
• 5:33
  you're
• 5:33
  going
• 5:33
  to
• 5:33
  try
• 5:33
  and
• 5:33
  make
• 5:34
  it
• 5:34
  work.
• 5:34
  But
• 5:35
  also,
• 5:35
  if
• 5:35
  comfort
• 5:36
  is
• 5:36
  what's
• 5:36
  pulling
• 5:37
  you
• 5:37
  towards
• 5:38
  that
• 5:38
  decision,
• 5:39
  maybe
• 5:39
  it's
• 5:39
  time
• 5:39
  to
• 5:39
  get
• 5:39
  out
• 5:40
  of
• 5:40
  your
• 5:40
  comfort
• 5:40
  zone
• 5:41
  a
• 5:41
  little
• 5:41
  bit
• 5:41
  almost,
• 5:43
  you
• 5:43
  know,
• 5:44
  get
• 5:44
  off
• 5:44
  the
• 5:44
  dance
• 5:45
  floor
• 5:45
  into
• 5:45
  the
• 5:46
  balcony,
• 5:46
  right.
• 5:47
  And
• 5:47
  actually
• 5:47
  assess
• 5:48
  yourself
• 5:48
  and
• 5:48
  go,
• 5:49
  what
• 5:49
  do
• 5:49
  I
• 5:49
  actually
• 5:50
  really
• 5:51
  need
• 5:52
  versus
• 5:52
  what
• 5:53
  I
• 5:53
  want?
• 5:53
  Because
• 5:54
  they're
• 5:54
  two
• 5:54
  different
• 5:54
  things.
• 5:55
  And
• 5:55
  just
• 5:55
  because
• 5:55
  you
• 5:55
  want
• 5:56
  it
• 5:56
  doesn't
• 5:56
  necessarily
• 5:57
  mean
• 5:57
  it's
• 5:57
  possible
• 5:57
  at
• 5:58
  this
• 5:58
  stage
• 5:58
  of
• 5:58
  life.
• 5:59
  Now,
• 5:59
  of
• 5:59
  course,
• 6:00
  if
• 6:00
  you
• 6:01
  sell,
• 6:01
  you're
• 6:02
  out
• 6:02
  of
• 6:02
  the
• 6:02
  property
• 6:03
  market,
• 6:03
  so
• 6:04
  then
• 6:04
  what?
• 6:04
  Buying
• 6:05
  back
• 6:05
  in,
• 6:06
  as
• 6:06
  you've
• 6:06
  alluded
• 6:07
  to,
• 6:07
  is
• 6:07
  going
• 6:07
  to
• 6:07
  be
• 6:08
  difficult.
• 6:08
  You're
• 6:08
  going
• 6:09
  to
• 6:09
  get
• 6:09
  a
• 6:09
  lot
• 6:09
  less
• 6:10
  for
• 6:10
  your
• 6:10
  money
• 6:10
  than
• 6:11
  you've
• 6:11
  currently
• 6:11
  got
• 6:11
  today.
• 6:13
  It
• 6:13
  doesn't
• 6:13
  matter
• 6:13
  if
• 6:14
  you're
• 6:14
  going
• 6:14
  to
• 6:14
  financially
• 6:15
  screw
• 6:15
  yourself
• 6:16
  in
• 6:16
  order
• 6:16
  to
• 6:16
  do
• 6:16
  it.
• 6:17
  So
• 6:18
  if
• 6:18
  the
• 6:18
  budget's
• 6:19
  not
• 6:19
  been
• 6:19
  done,
• 6:20
  that's
• 6:21
  the
• 6:21
  place
• 6:21
  to
• 6:21
  start.
• 6:22
  As
• 6:22
  I
• 6:22
  said.
• 6:22
  Factor
• 6:23
  in
• 6:23
  what,
• 6:24
  you
• 6:24
  know,
• 6:24
  two
• 6:24
  rate
• 6:25
  increases
• 6:25
  might
• 6:26
  look
• 6:26
  like
• 6:26
  over
• 6:26
  next.
• 6:26
  No
• 6:27
  one
• 6:27
  knows
• 6:27
  what's
• 6:27
  going
• 6:27
  to
• 6:27
  happen,
• 6:28
  but
• 6:28
  you've
• 6:28
  got
• 6:28
  to
• 6:28
  factor
• 6:29
  it
• 6:29
  in.
• 6:29
  Got
• 6:30
  a
• 6:30
  factor
• 6:30
  in
• 6:31
  cpi.
• 6:31
  So
• 6:32
  everything
• 6:32
  keeps
• 6:32
  going
• 6:32
  up.
• 6:33
  Does
• 6:33
  your
• 6:33
  salary
• 6:33
  go
• 6:34
  up
• 6:34
  by
• 6:34
  the
• 6:34
  same
• 6:34
  amount?
• 6:35
  The
• 6:35
  point
• 6:35
  around
• 6:36
  a
• 6:37
  tenant,
• 6:38
  I
• 6:38
  get
• 6:38
  that,
• 6:39
  but
• 6:39
  you
• 6:39
  know,
• 6:40
  Airbnb,
• 6:41
  you
• 6:42
  can
• 6:43
  potentially
• 6:43
  make
• 6:44
  some
• 6:44
  income
• 6:44
  and
• 6:44
  you're
• 6:44
  absolutely
• 6:45
  in
• 6:45
  charge
• 6:46
  around
• 6:46
  when
• 6:46
  you
• 6:46
  allow
• 6:47
  people
• 6:47
  to
• 6:47
  stay
• 6:48
  in
• 6:48
  your
• 6:48
  house.
• 6:49
  So
• 6:49
  you
• 6:49
  don't
• 6:50
  have
• 6:50
  someone
• 6:50
  there
• 6:50
  all
• 6:50
  the
• 6:51
  time,
• 6:51
  but
• 6:51
  if
• 6:51
  there's
• 6:51
  a
• 6:51
  spare
• 6:52
  room
• 6:52
  you
• 6:52
  can
• 6:53
  get
• 6:53
  some
• 6:53
  income
• 6:53
  from,
• 6:54
  hey,
• 6:54
  that's
• 6:54
  something
• 6:54
  you
• 6:55
  should
• 6:55
  probably
• 6:55
  consider.
• 6:56
  That's
• 6:56
  a
• 6:57
  really
• 6:57
  good
• 6:57
  point,
• 6:58
  actually,
• 6:58
  that
• 6:58
  you
• 6:58
  maybe
• 6:59
  don't
• 6:59
  have
• 6:59
  to
• 6:59
  have
• 6:59
  the
• 7:00
  permanent
• 7:00
  flatmate
• 7:00
  situation.
• 7:01
  You
• 7:02
  can
• 7:02
  just
• 7:02
  have
• 7:02
  people
• 7:02
  at
• 7:03
  certain
• 7:03
  times
• 7:04
  and
• 7:04
  then
• 7:04
  you
• 7:05
  get
• 7:05
  the
• 7:05
  recharge
• 7:05
  the
• 7:06
  rest
• 7:06
  of
• 7:06
  the
• 7:06
  time.
• 7:06
  But
• 7:06
  you've
• 7:06
  still
• 7:07
  got
• 7:07
  some
• 7:07
  extra
• 7:07
  money
• 7:07
  coming
• 7:08
  in.
• 7:08
  Yeah.
• 7:08
  And
• 7:08
  actually
• 7:09
  you'll
• 7:09
  earn
• 7:10
  more
• 7:10
  on
• 7:11
  a
• 7:11
  per
• 7:11
  night
• 7:11
  basis
• 7:12
  doing
• 7:12
  that
• 7:12
  than
• 7:12
  you
• 7:12
  would
• 7:12
  by
• 7:13
  having
• 7:13
  tenants.
• 7:13
  And
• 7:13
  it's
• 7:13
  something
• 7:14
  I
• 7:14
  think
• 7:14
  a
• 7:14
  lot
• 7:14
  of
• 7:14
  people
• 7:14
  overlook.
• 7:16
  Making
• 7:16
  Sense
• 7:17
  is
• 7:17
  proudly
• 7:18
  supported
• 7:18
  by
• 7:18
  Heartland
• 7:19
  Bank.
• 7:19
  If
• 7:20
  you're
• 7:20
  looking
• 7:20
  for
• 7:20
  specialist
• 7:21
  banking
• 7:21
  products,
• 7:22
  this
• 7:22
  is
• 7:22
  their
• 7:23
  area.
• 7:23
  They're
• 7:24
  a
• 7:24
  New
• 7:24
  Zealand
• 7:24
  bank
• 7:25
  which
• 7:25
  offers
• 7:25
  savings
• 7:26
  and
• 7:26
  deposit
• 7:26
  accounts,
• 7:27
  reverse
• 7:27
  Mortgages,
• 7:28
  car
• 7:28
  loans,
• 7:29
  and
• 7:29
  rural
• 7:30
  lending.
• 7:30
  They're
• 7:31
  also
• 7:31
  the
• 7:31
  bank
• 7:31
  chosen
• 7:32
  by
• 7:32
  26,600
• 7:33
  kiwi
• 7:34
  to
• 7:34
  unlock
• 7:34
  the
• 7:35
  value
• 7:35
  in
• 7:35
  their
• 7:35
  homes
• 7:36
  through
• 7:36
  a
• 7:36
  reverse
• 7:37
  mortgage
• 7:37
  so
• 7:38
  they
• 7:38
  can
• 7:38
  stay
• 7:38
  in
• 7:38
  the
• 7:38
  place
• 7:39
  they
• 7:39
  love
• 7:39
  and
• 7:39
  enjoy
• 7:40
  a
• 7:40
  little
• 7:40
  more
• 7:40
  freedom
• 7:41
  in
• 7:41
  retirement.
• 7:42
  Heartland
• 7:42
  Bank's
• 7:43
  lending
• 7:43
  criteria
• 7:44
  fees
• 7:44
  and
• 7:44
  charges
• 7:45
  apply.
• 7:46
  Okay,
• 7:46
  so
• 7:46
  let's
• 7:47
  run
• 7:47
  through
• 7:47
  the
• 7:47
  options
• 7:47
  again
• 7:48
  and
• 7:48
  just
• 7:48
  make
• 7:48
  sure
• 7:48
  that
• 7:49
  we've
• 7:49
  covered
• 7:49
  them
• 7:50
  off.
• 7:50
  So
• 7:50
  she's
• 7:51
  identified
• 7:53
  to
• 7:53
  try
• 7:53
  and
• 7:53
  buy
• 7:53
  out
• 7:53
  the
• 7:54
  partner
• 7:55
  to
• 7:55
  sell
• 7:56
  and
• 7:56
  downsize,
• 7:57
  or
• 7:57
  to
• 7:58
  try
• 7:58
  and
• 7:58
  buy
• 7:58
  out
• 7:59
  the
• 7:59
  partner
• 7:59
  and
• 8:00
  maybe
• 8:01
  either
• 8:01
  rent
• 8:01
  out
• 8:02
  a
• 8:02
  room
• 8:02
  or,
• 8:02
  as
• 8:03
  you
• 8:03
  said,
• 8:03
  Airbnb
• 8:04
  a
• 8:04
  room.
• 8:04
  That's.
• 8:05
  That's
• 8:05
  really
• 8:05
  it
• 8:06
  in
• 8:06
  terms
• 8:06
  of
• 8:06
  weighing
• 8:06
  things
• 8:07
  up.
• 8:07
  Right.
• 8:08
  I
• 8:08
  think
• 8:08
  that's
• 8:08
  the
• 8:08
  immediate
• 8:09
  decision.
• 8:09
  You've.
• 8:10
  You've
• 8:10
  got
• 8:10
  to
• 8:10
  work
• 8:10
  out
• 8:10
  what
• 8:11
  to
• 8:11
  do.
• 8:12
  And
• 8:12
  again,
• 8:12
  not
• 8:12
  knowing
• 8:13
  kind
• 8:14
  of
• 8:14
  what
• 8:14
  the
• 8:15
  standard
• 8:15
  of
• 8:15
  the
• 8:16
  communication
• 8:16
  between
• 8:17
  you
• 8:17
  and
• 8:17
  your
• 8:17
  ex
• 8:18
  is,
• 8:18
  you
• 8:18
  might
• 8:19
  be
• 8:19
  on
• 8:19
  a
• 8:19
  time
• 8:19
  crunch.
• 8:20
  If
• 8:20
  you've
• 8:20
  got
• 8:20
  a
• 8:20
  bit
• 8:20
  more
• 8:21
  time,
• 8:21
  then
• 8:22
  take
• 8:22
  the
• 8:22
  time
• 8:22
  to
• 8:23
  make
• 8:23
  the
• 8:23
  decision
• 8:23
  that's
• 8:23
  right
• 8:23
  for
• 8:24
  you,
• 8:24
  I
• 8:24
  would
• 8:24
  say.
• 8:25
  And
• 8:25
  I
• 8:25
  think
• 8:25
  the
• 8:25
  points
• 8:26
  that
• 8:26
  you've
• 8:26
  made
• 8:26
  about
• 8:26
  thinking
• 8:27
  about
• 8:27
  rates,
• 8:28
  insurance,
• 8:29
  if
• 8:29
  interest
• 8:29
  rates
• 8:30
  change,
• 8:30
  all
• 8:31
  of
• 8:31
  that
• 8:31
  stuff,
• 8:32
  if
• 8:32
  your
• 8:32
  income
• 8:33
  maybe
• 8:33
  will
• 8:33
  change,
• 8:33
  or
• 8:34
  that
• 8:34
  you
• 8:34
  don't
• 8:34
  want
• 8:34
  to,
• 8:34
  like,
• 8:35
  hinge
• 8:35
  everything
• 8:35
  on,
• 8:35
  I'll
• 8:35
  get
• 8:35
  a
• 8:36
  pair
• 8:36
  eyes
• 8:36
  and
• 8:36
  it'll
• 8:36
  all
• 8:36
  be
• 8:36
  fine.
• 8:37
  But,
• 8:37
  you
• 8:37
  know,
• 8:37
  just.
• 8:38
  Just
• 8:38
  factor
• 8:38
  these
• 8:38
  things
• 8:39
  in.
• 8:39
  I
• 8:39
  think
• 8:40
  that's
• 8:40
  a
• 8:40
  really
• 8:41
  good
• 8:41
  point,
• 8:41
  because
• 8:41
  if.
• 8:42
  If
• 8:42
  she's
• 8:42
  saying,
• 8:42
  you
• 8:43
  know,
• 8:44
  it'll
• 8:44
  be
• 8:44
  tight,
• 8:44
  but
• 8:45
  I
• 8:45
  think
• 8:45
  I
• 8:45
  can
• 8:45
  do
• 8:46
  it.
• 8:47
  How
• 8:47
  tight
• 8:47
  can
• 8:48
  those
• 8:48
  margins
• 8:49
  get,
• 8:49
  do
• 8:49
  you
• 8:50
  think,
• 8:50
  before
• 8:50
  it's
• 8:50
  dangerous?
• 8:51
  I
• 8:51
  mean,
• 8:51
  there's.
• 8:51
  There's
• 8:52
  tight
• 8:52
  and
• 8:52
  then
• 8:52
  there's
• 8:53
  dangerous.
• 8:53
  How
• 8:53
  do
• 8:53
  we
• 8:53
  know
• 8:54
  the
• 8:54
  line
• 8:55
  once
• 8:55
  you've
• 8:55
  crossed
• 8:57
  is
• 8:58
  hard?
• 8:58
  Because
• 8:58
  there's
• 8:59
  so
• 8:59
  many
• 8:59
  variables
• 9:00
  that
• 9:00
  will
• 9:00
  just
• 9:00
  creep
• 9:01
  up
• 9:01
  on
• 9:01
  you
• 9:01
  that
• 9:01
  you
• 9:01
  just
• 9:02
  weren't
• 9:02
  expecting,
• 9:03
  which
• 9:03
  is
• 9:03
  where
• 9:03
  the
• 9:03
  buffer
• 9:04
  becomes
• 9:04
  so
• 9:04
  important.
• 9:05
  Now,
• 9:05
  what
• 9:06
  we're
• 9:06
  kind
• 9:06
  of
• 9:06
  hearing
• 9:07
  or
• 9:07
  inferring
• 9:08
  from
• 9:08
  the
• 9:09
  letter
• 9:09
  here
• 9:10
  is
• 9:10
  if
• 9:10
  I
• 9:10
  stay
• 9:10
  where
• 9:10
  I
• 9:11
  am,
• 9:11
  there
• 9:11
  is
• 9:11
  no
• 9:12
  buffer.
• 9:12
  I
• 9:12
  will
• 9:13
  be
• 9:13
  nudging
• 9:13
  up
• 9:13
  against
• 9:13
  that
• 9:14
  every
• 9:14
  single
• 9:14
  month.
• 9:15
  So
• 9:15
  it
• 9:15
  takes
• 9:16
  one
• 9:16
  car
• 9:16
  breakdown,
• 9:18
  one
• 9:18
  vet
• 9:19
  trip
• 9:19
  that
• 9:19
  was
• 9:20
  unexpected,
• 9:20
  and
• 9:21
  all
• 9:21
  of
• 9:21
  a
• 9:21
  sudden
• 9:21
  we're
• 9:22
  living
• 9:22
  on
• 9:22
  credit
• 9:22
  cards.
• 9:23
  Short
• 9:23
  term,
• 9:24
  that's
• 9:24
  okay
• 9:24
  as
• 9:24
  long
• 9:25
  as
• 9:25
  you've
• 9:25
  got
• 9:25
  a
• 9:25
  plan
• 9:26
  to
• 9:26
  pay
• 9:27
  them
• 9:27
  off.
• 9:27
  You
• 9:28
  don't
• 9:28
  want
• 9:28
  to
• 9:29
  be
• 9:29
  at
• 9:29
  the
• 9:29
  point
• 9:29
  of
• 9:30
  not
• 9:30
  being
• 9:30
  able
• 9:31
  to
• 9:31
  live
• 9:31
  your
• 9:31
  life
• 9:32
  simply
• 9:32
  because
• 9:32
  you
• 9:33
  made
• 9:33
  a
• 9:33
  decision
• 9:33
  to
• 9:34
  stay
• 9:34
  in
• 9:34
  a
• 9:34
  place
• 9:35
  that
• 9:35
  has
• 9:35
  an
• 9:35
  emotional
• 9:36
  connection
• 9:36
  to
• 9:36
  you.
• 9:37
  If
• 9:37
  you
• 9:37
  can't
• 9:38
  afford
• 9:38
  it,
• 9:39
  if
• 9:39
  you
• 9:39
  think
• 9:39
  there
• 9:40
  is
• 9:40
  an
• 9:40
  opportunity
• 9:41
  there
• 9:41
  to
• 9:41
  find
• 9:41
  A
• 9:42
  way
• 9:42
  to
• 9:42
  make
• 9:42
  it
• 9:42
  work.
• 9:42
  And
• 9:43
  you
• 9:43
  would
• 9:43
  prefer
• 9:43
  to
• 9:44
  stay.
• 9:45
  Stay.
• 9:46
  But
• 9:46
  don't
• 9:46
  do
• 9:46
  it
• 9:47
  at
• 9:47
  the
• 9:47
  expense
• 9:47
  of
• 9:47
  your
• 9:48
  overall
• 9:48
  well
• 9:48
  being
• 9:49
  because
• 9:49
  you're
• 9:50
  going
• 9:50
  to
• 9:50
  be
• 9:50
  going
• 9:50
  home
• 9:50
  to
• 9:51
  a
• 9:51
  house
• 9:51
  every
• 9:51
  night
• 9:51
  that
• 9:52
  you're
• 9:52
  stressed
• 9:53
  to
• 9:53
  the
• 9:53
  max
• 9:54
  about
• 9:54
  keeping
• 9:55
  and
• 9:55
  all
• 9:55
  that
• 9:56
  emotional
• 9:57
  stability
• 9:57
  you
• 9:58
  wanted
• 9:58
  by
• 9:58
  staying
• 9:58
  in
• 9:59
  the
• 9:59
  house
• 9:59
  will
• 9:59
  have
• 9:59
  evaporated.
• 10:00
  So
• 10:01
  you
• 10:01
  have
• 10:01
  got
• 10:01
  to
• 10:01
  look
• 10:02
  at
• 10:02
  this
• 10:02
  quiet,
• 10:03
  coldly
• 10:04
  and
• 10:05
  then
• 10:05
  apply
• 10:06
  logic
• 10:06
  to
• 10:07
  it
• 10:07
  and
• 10:07
  go,
• 10:07
  okay,
• 10:08
  what
• 10:08
  do
• 10:08
  I,
• 10:08
  what
• 10:09
  do
• 10:09
  I
• 10:09
  want
• 10:09
  versus
• 10:10
  what
• 10:10
  do
• 10:10
  I
• 10:10
  need?
• 10:11
  And
• 10:11
  probably
• 10:12
  the
• 10:12
  truth
• 10:12
  of
• 10:12
  those
• 10:13
  two
• 10:13
  things
• 10:13
  is
• 10:13
  in
• 10:13
  the
• 10:13
  middle
• 10:14
  there
• 10:14
  somewhere.
• 10:15
  Yeah.
• 10:15
  Okay,
• 10:16
  so
• 10:16
  what
• 10:17
  financial
• 10:17
  trade
• 10:18
  offs
• 10:18
  do
• 10:18
  you
• 10:18
  think
• 10:19
  should
• 10:20
  be
• 10:20
  on
• 10:20
  the
• 10:20
  table
• 10:21
  versus
• 10:21
  off
• 10:21
  the
• 10:21
  table
• 10:22
  in
• 10:22
  this
• 10:22
  situation?
• 10:23
  Well,
• 10:23
  it's
• 10:24
  a
• 10:24
  good
• 10:24
  question.
• 10:24
  So
• 10:25
  everyone
• 10:25
  always
• 10:26
  has
• 10:27
  disposable
• 10:28
  spend
• 10:28
  that
• 10:28
  can
• 10:29
  always
• 10:29
  be
• 10:29
  cut
• 10:29
  back.
• 10:30
  If
• 10:30
  you're
• 10:30
  kind
• 10:30
  of
• 10:31
  ruthless
• 10:31
  enough,
• 10:31
  the
• 10:32
  eating
• 10:32
  out,
• 10:32
  the
• 10:33
  subscriptions,
• 10:33
  you
• 10:34
  know,
• 10:34
  you
• 10:34
  can
• 10:34
  look
• 10:34
  at
• 10:35
  all
• 10:35
  that
• 10:35
  and
• 10:35
  make
• 10:35
  some
• 10:36
  conscious
• 10:36
  decisions.
• 10:37
  But
• 10:37
  what
• 10:38
  I
• 10:38
  wouldn't
• 10:38
  be
• 10:38
  doing
• 10:38
  is
• 10:39
  things
• 10:39
  like,
• 10:39
  well,
• 10:40
  you
• 10:40
  know,
• 10:40
  I
• 10:41
  won't
• 10:41
  have
• 10:41
  insurance,
• 10:42
  right,
• 10:42
  because
• 10:43
  that's,
• 10:43
  that's
• 10:43
  a
• 10:44
  cost
• 10:44
  that
• 10:44
  I
• 10:44
  can't
• 10:44
  really
• 10:45
  afford
• 10:45
  a
• 10:45
  month.
• 10:45
  If
• 10:45
  you're
• 10:46
  going
• 10:46
  to
• 10:46
  pay
• 10:46
  the
• 10:47
  mortgage
• 10:47
  every
• 10:47
  month,
• 10:47
  you
• 10:48
  need
• 10:48
  to
• 10:48
  protect
• 10:48
  the
• 10:48
  asset.
• 10:49
  So
• 10:50
  really
• 10:50
  think
• 10:50
  about
• 10:51
  where
• 10:51
  can
• 10:51
  you
• 10:51
  cut
• 10:52
  back?
• 10:52
  And
• 10:53
  then
• 10:53
  if
• 10:53
  you
• 10:53
  find
• 10:53
  yourself
• 10:53
  of
• 10:54
  a
• 10:54
  gap,
• 10:54
  that's
• 10:54
  maybe
• 10:55
  where
• 10:55
  the
• 10:55
  Airbnb
• 10:56
  conversation
• 10:56
  comes
• 10:57
  in.
• 10:57
  You
• 10:57
  don't
• 10:57
  want
• 10:57
  tenants.
• 10:58
  You
• 10:58
  clear
• 10:58
  on
• 10:59
  that?
• 10:59
  You
• 10:59
  do
• 11:00
  your
• 11:00
  budget
• 11:00
  and
• 11:00
  you
• 11:00
  have
• 11:00
  a,
• 11:01
  you
• 11:01
  know,
• 11:01
  several
• 11:02
  hundred
• 11:02
  dollar
• 11:02
  a
• 11:03
  month
• 11:03
  shortfall.
• 11:04
  Well,
• 11:05
  you
• 11:05
  know,
• 11:05
  what's
• 11:05
  that
• 11:05
  on
• 11:05
  Airbnb
• 11:06
  in
• 11:06
  terms
• 11:06
  of
• 11:06
  income?
• 11:07
  Is
• 11:07
  it,
• 11:07
  is
• 11:08
  it
• 11:08
  two,
• 11:08
  six,
• 11:09
  nine
• 11:09
  nights
• 11:10
  a
• 11:10
  month
• 11:10
  that
• 11:10
  you
• 11:10
  might
• 11:10
  need
• 11:11
  to
• 11:11
  do
• 11:11
  with
• 11:11
  some
• 11:11
  consistency
• 11:12
  and
• 11:12
  all
• 11:12
  of
• 11:12
  a
• 11:12
  sudden
• 11:13
  you
• 11:13
  can
• 11:13
  cover
• 11:13
  your
• 11:14
  gap.
• 11:14
  Well
• 11:14
  then
• 11:14
  you've
• 11:15
  just
• 11:15
  solved
• 11:15
  your
• 11:15
  problem.
• 11:16
  Yeah,
• 11:16
  love
• 11:17
  it.
• 11:17
  Maybe
• 11:17
  find
• 11:18
  a
• 11:18
  flatmate
• 11:18
  who's
• 11:19
  a
• 11:19
  flight
• 11:19
  attendant
• 11:20
  or
• 11:20
  something.
• 11:20
  Exactly.
• 11:20
  Right.
• 11:20
  Yeah.
• 11:21
  Someone's
• 11:21
  there
• 11:21
  two
• 11:21
  days
• 11:21
  a
• 11:22
  month.
• 11:22
  Yeah,
• 11:22
  pays
• 11:23
  for.
• 11:23
  Right.
• 11:24
  I
• 11:24
  love
• 11:24
  the
• 11:24
  sideways
• 11:25
  thinking
• 11:25
  that
• 11:25
  we
• 11:26
  need.
• 11:26
  Thank
• 11:26
  you
• 11:27
  so
• 11:27
  much.
• 11:27
  Will
• 11:27
  White,
• 11:28
  Heartland
• 11:28
  Bank.
• 11:29
  Now,
• 11:29
  if
• 11:29
  you
• 11:30
  have
• 11:30
  any
• 11:30
  sort
• 11:31
  of
• 11:31
  question
• 11:31
  about
• 11:31
  money,
• 11:31
  send
• 11:32
  it
• 11:32
  through
• 11:32
  and
• 11:32
  we'll
• 11:33
  get
• 11:33
  our
• 11:33
  lovely
• 11:33
  experts
• 11:34
  in
• 11:34
  to
• 11:35
  help
• 11:35
  answer
• 11:36
  your
• 11:36
  question.
• 11:36
  It's
• 11:36
  askranciscook.
• 11:38
  CO
• 11:39
  nz.
• 11:39
  Until
• 11:40
  next
• 11:40
  time.
• 11:40
  Have
• 11:40
  a
• 11:41
  great
• 11:41
  day.
• 11:43
  This
• 11:43
  podcast
• 11:44
  can
• 11:44
  only
• 11:44
  give
• 11:44
  you
• 11:45
  general
• 11:45
  information
• 11:45
  about
• 11:46
  how
• 11:46
  things
• 11:46
  work
• 11:47
  in
• 11:47
  most
• 11:47
  situations.
• 11:48
  It's
• 11:49
  not
• 11:49
  individual
• 11:49
  financial
• 11:50
  advice.
• 11:51
  If
• 11:51
  you're
• 11:51
  after
• 11:51
  that.
• 11:52
  A
• 11:52
  financial
• 11:52
  advisor
• 11:53
  is
• 11:53
  always
• 11:53
  the
• 11:54
  best
• 11:54
  bet.