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Speaker 1: Goodbye everyone, and welcome back to another episode of Sugar

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Speaker 1: Mama's Fireplay. Today's episode is one that is very close

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Speaker 1: to my heart because we're going to be talking about

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Speaker 1: the power of stepping up and taking control of your

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Speaker 1: financial future. I am joined by a very special couple who,

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Speaker 1: like so many people approaching retirement, found themselves worried about

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Speaker 1: their financial security and feared becoming they stick that retires

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Speaker 1: in poverty. However, this couple decided to do something about it.

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Speaker 1: Instead of feeling stuck and helpless, they took action. They

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Speaker 1: changed their life. That is, they reached out to speak

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Speaker 1: to a financial planner. A financial planner which in fact

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Speaker 1: was myself, that could give them personal, professional advice tailored

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Speaker 1: to their situation. And I will admit this was actually

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Speaker 1: a client that came to me off the back of

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Speaker 1: somewhat average advice. Something in their gut told them that

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Speaker 1: wasn't right and they needed to move on. So today

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Speaker 1: we're going to be exploring their journey, but it's not

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Speaker 1: about the financial planner as such. It's about their mindset

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Speaker 1: in seeking help and how that decision to get help

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Speaker 1: seek another opinion has completely transformed their life. This episode

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Speaker 1: is a testament to the value of taking action and

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Speaker 1: investing in yourself and your future. Glenn and Natalie, thank

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Speaker 1: you so much for joining me today on Sugar Mommer's Fireplay.

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Speaker 1: Lovely to see you would hear you?

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Speaker 2: How are you well? We're good? Thank you, can I

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Speaker 2: We're going along pretty nice?

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Speaker 3: Yeah, thank you, Kenny. Yes, We're so happy to be here.

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Speaker 3: Life is good.

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Speaker 1: I'm so glad. Life is good. And I you know,

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Speaker 1: we're just churning before I press record, and as how

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Speaker 1: proud I am and how happy I am for both

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Speaker 1: of you. Now, I've got a whole part of questions.

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Speaker 1: We're here to talk about your mindset in deciding you

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Speaker 1: need to get the other opinion, you need to get

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Speaker 1: better quality advice, and not to stay in a place

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Speaker 1: of fear and panic. So the first thing I want

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Speaker 1: to ask you is what were you worried about the

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Speaker 1: most when it came to thinking about money, your current

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Speaker 1: financial situation and your financial future being retirement.

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Speaker 3: My biggest fear was will we have enough to see

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Speaker 3: us through and how are we going to survive our

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Speaker 3: old age?

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Speaker 2: That was my main worry, And what about you, Glenn?

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Speaker 2: I was worried that going to run out of money

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Speaker 2: if it happened that I passed on before Natalie. So yeah,

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Speaker 2: it was a concern, but the main thing was running

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Speaker 2: out of money before I run out of life.

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Speaker 1: Yeah, yeah, and how to find that stress impacted your life.

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Speaker 2: It was a nagging worry in the back of your mind.

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Speaker 4: And I felt that I.

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Speaker 2: Didn't have a clear window of when I could possible

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Speaker 2: stably feel comfortable stopping work even into could seeing you

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Speaker 2: working well until my seventies, just to make sure that

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Speaker 2: I had enough, because I didn't feel at the time

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Speaker 2: that we had enough to keep us going, because we

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Speaker 2: did not start thinking about this early enough.

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Speaker 4: And that's I cannot stress that enough. Fear.

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Speaker 2: There will come a time in everybody's life, whether you

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Speaker 2: like it or not, that you're going to start you're

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Speaker 2: not there no longer again to be able to trade

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Speaker 2: your time for money. Yeah, And it's like, how are

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Speaker 2: you going to go on a thirty year holiday and

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Speaker 2: fund it yourself when you're not no longer got need

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Speaker 2: your own money coming in the door as wages trading time.

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Speaker 2: So the earlier you start to think about this, the

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Speaker 2: better the outcome will be.

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Speaker 1: When you get old, that feeling of not seeing light

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Speaker 1: at the end of the tunnel must have been exhausting.

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Speaker 1: It was.

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Speaker 3: Yeah, it was going to bed at night, It'd be

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Speaker 3: the last thing I think about the first thing.

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Speaker 1: In the morning.

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Speaker 3: It was a constant worry for me. It was emotionally draining.

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Speaker 1: And it's also incredibly toxic to your mental and physical help.

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Speaker 2: It was sit on a complete loop and it also

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Speaker 2: puts pressure on your daily life as well, because you're going, Okay,

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Speaker 2: I'll go and buy a new some new clothes or

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Speaker 2: you know, a new thing, and you go, hang on

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Speaker 2: a minute, now, you know I mentally you would not

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Speaker 2: do that.

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Speaker 4: You're guilty because.

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Speaker 2: You kind of felt that you were robbing your future

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Speaker 2: and because of your live.

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Speaker 4: Got the stress. It stops you from.

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Speaker 2: Actually being able to focus on how to fix the problem.

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Speaker 2: All you know is you've got the problem, but you

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Speaker 2: don't know how to fix it, and you're just not

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Speaker 2: enjoying life.

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Speaker 3: You know you should be doing like daily and there was.

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Speaker 2: Just no joints. It was just awful.

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Speaker 1: I heard her saying the other day, you can't read

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Speaker 1: the label when you're inside the jar.

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Speaker 3: Oh I love.

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Speaker 2: That, Yeah, yeah, perfect, yeap.

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Speaker 1: And you're you're right you know, when you ask stress,

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Speaker 1: whatever stress it may be, it's very hard to be

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Speaker 1: present and to be seeing, you know, the beautiful, simple

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Speaker 1: moments around you. So when it comes to I guess

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Speaker 1: educating yourselves. What was one of the first things you

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Speaker 1: did before seeing a financial planner initially or before coming

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Speaker 1: to see me?

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Speaker 2: So prior to coming to see you, I'd taken a

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Speaker 2: very passive approach because I wasn't really sure that SUPER

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Speaker 2: was even my money, which is kind of weird.

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Speaker 1: Because I think a lot of people have this disconnect

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Speaker 1: with their super. They're like, oh, it's boring, it's dull,

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Speaker 1: and it can never access it, and they don't take

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Speaker 1: ownership of it. Yes, but you take honest Rubert, you

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Speaker 1: can actually nurture it and harvest it and build it.

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Speaker 1: I think a lot of people are going to connect

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Speaker 1: and resonate with what you just said.

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Speaker 2: Yeah, it was something that somebody else looked after for me,

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Speaker 2: and when I got to whatever age, when I was

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Speaker 2: able to access it, it would be their waiting and

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Speaker 2: I didn't really have to think about it.

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Speaker 4: I cannot stress.

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Speaker 2: How much that is the completely wrong approach. It is

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Speaker 2: your money. You need to treat it like the money

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Speaker 2: in your check account, and you need to make it

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Speaker 2: work hard for you as early as possible in your life.

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Speaker 3: I think where you relied on back then and ice

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Speaker 3: took friends of family, older generations. You know, they used

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Speaker 3: to tell us their experiences, and that's what I think

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Speaker 3: we relied on in the beginning. We were naive and

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Speaker 3: so we just did what everybody else did with no

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Speaker 3: advice at all. So to move us to a different level,

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Speaker 3: I started reading and thinking there has to be a

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Speaker 3: better way, So I started reading book Your Mindful Money.

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Speaker 2: Was one of them. Scott Pape's book The Barefoot Investor

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Speaker 2: gave us path outhold that focused more on our daily stuff.

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Speaker 2: Then the other one that really lit my fire was

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Speaker 2: Peter thorn Hill's Motivated Money. And there's a there's a

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Speaker 2: man who walks his talk m hm.

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Speaker 4: And it's not difficult stuff. You just have to apply

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Speaker 4: yourself and want to apply yourself.

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Speaker 2: And you have to take action.

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Speaker 4: It's a bit like.

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Speaker 2: Losing weight or learning a new language. You've got to

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Speaker 2: take At some point, we've got to stop doing the

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Speaker 2: reading and go okay, yeah, well I get how that works.

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Speaker 4: I understand what our.

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Speaker 2: Uh and the Shane traded fund is and all that stuff.

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Speaker 2: But at the end of the day, you've got us

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Speaker 2: to stop and take some action and actually do something.

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Speaker 1: I think a lot of people get stuck. They get

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Speaker 1: analysis paralysis where they sometimes maybe go too deep and

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Speaker 1: they think that they've got to do so much of

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Speaker 1: that work themselves, like figure out the individual stocks or

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Speaker 1: that the ETFs or I managed funds. And that's when

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Speaker 1: you really consult with a financial planner because there's a

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Speaker 1: lot of gratgy behind the work, which will come to

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Speaker 1: in a little bit. But you know, all you need

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Speaker 1: to do is touch for a financial planners office with

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Speaker 1: just a little bit I guess the foundation of financial knowledge.

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Speaker 1: But more importantly, it's the financial planner's job to make

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Speaker 1: sure you're up to speed and understand everything. But the

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Speaker 1: most important thing is actually to touch for financial plans office,

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Speaker 1: going this is what I need, this is what I'm

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Speaker 1: worried about, and this is what I want.

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Speaker 2: Yeah, I couldn't agree more. Yeah. We would turn up

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Speaker 2: to the previous financial planners and it would have a

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Speaker 2: nice cup of coffee and some very nice premises, and

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Speaker 2: once a year it would get asked out to a

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Speaker 2: dinner that they didn't really want to gate, but then

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Speaker 2: we weren't educate. We didn't feel like we were being

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Speaker 2: educated or showing anything. It was very, oh, well, this

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Speaker 2: is what's happened, you know, see an issue. To me,

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Speaker 2: it felt like we were marching on spots in year march.

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Speaker 2: It was the same thing every year, and I.

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Speaker 3: Thought to themselves, there's got to be something better than this,

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Speaker 3: and it's better than nothing, but there's got to be something.

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Speaker 2: Better than this. And the important thing is to follow

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Speaker 2: your gut if you feel that you're not getting the

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Speaker 2: right levels of support and knowledge, because you know, a

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Speaker 2: good financial planner is there to educate you and to

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Speaker 2: guide you. I can't stress that enough. But they're just

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Speaker 2: sitting there basically shuffling paper in front of you and

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Speaker 2: getting you assign documents. They're not doing the best by you.

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Speaker 1: I don't Oh, and that's a big red flag because

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Speaker 1: that's obviously, as a financial planet's also a breach because

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Speaker 1: every client must be a habit, you know, informs and

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Speaker 1: educated consent, you know, to proceed ahead. When it came

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Speaker 1: to going all right, we're not comfortable with the level

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Speaker 1: of service that we're getting with our current financial planner,

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Speaker 1: what was it that made you then pick up the

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Speaker 1: phone and ask somebody else, which obviously was myself, you know,

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Speaker 1: for help.

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Speaker 2: Look, we came across the previous financial planner. I think

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Speaker 2: we came to it through your mum's estate, didn't we

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Speaker 2: really the managing of your mummers?

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Speaker 5: No.

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Speaker 3: I was in Saint George, ban and I was asking

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Speaker 3: the teller trine, I'd like to make an appointment to

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Speaker 3: see if financial brand and she said this name, that,

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Speaker 3: this name, and they're really good. They used to work

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Speaker 3: for the bank, you know, good persons. There was an

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Speaker 3: increasing level of our super hadn't.

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Speaker 2: Gone very much, hadn't done much but for quite a

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Speaker 2: bit of a period of time, and I thought, no,

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Speaker 2: this's going to be a better way than this. And

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Speaker 2: it was just a growing level of unease that really

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Speaker 2: made us pick up the phone.

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Speaker 4: And plus, after.

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Speaker 2: Doing some reading on the subject, I realized what we

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Speaker 2: were kicking.

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Speaker 1: And yeah, exactly, And I think that's what I think

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Speaker 1: a lot of people struggle to do, is take some responsibility,

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Speaker 1: because that's when you can really start to move forward

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Speaker 1: and really transform your life. And obviously that's exactly what

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Speaker 1: you guys did. How quickly would you say you felt

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Speaker 1: after getting a better level of service and quality advice

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Speaker 1: from moving financial planners.

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Speaker 2: For me, it took a little while, I have to say,

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Speaker 2: because it's a big leak to throw your future financial security,

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Speaker 2: to take it from planner A and give it to

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Speaker 2: plan a Sea. So yeah, it took a while, I

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Speaker 2: have to say. And I recall soon after, and this

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Speaker 2: is an important point, soon after we did it, things

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Speaker 2: started to go The value started to go down a

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Speaker 2: m and I think I called you, and I called

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Speaker 2: your associate and said, look, I'm nervous about this, I'm

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Speaker 2: not really comfortable. And you the important thing was that

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Speaker 2: you said, look, hold your nerve, stay the course, We've

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Speaker 2: got the plan. Let you know, have faith in the plane.

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Speaker 2: That was really the best advice I think I've ever had. Yeah.

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Speaker 1: Look, so many people have this knee jerk reaction and

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Speaker 1: they panic and they sell everything down and convert it

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Speaker 1: to cash, and you're ether, you know, crystallizing capital gains

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Speaker 1: or crystallizing losses. So at the end of the day,

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Speaker 1: market movements are perfectly normal and perfectly natural, and sometimes,

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Speaker 1: as I say to people, they're often opportunities as well.

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Speaker 1: So I'm really glad you listened, because obviously the advice

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Speaker 1: paid off and you're in a fantastic situation.

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Speaker 2: She'll come to a little bit.

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Speaker 1: But when you're thinking about obviously, and we'll forget about

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Speaker 1: the average financial plannel, we'll talk about you know, the quald,

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Speaker 1: because I mean, I think what you went through was

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Speaker 1: just you know, you've got a bad egg.

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Speaker 2: I can just jump in there. What we didn't do

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Speaker 2: is we didn't know enough to say, okay, how do

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Speaker 2: we select a financial plan exactly.

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Speaker 1: That's why I always say to people, will shop around,

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Speaker 1: you know, go interview plenty of like interview at least

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Speaker 1: a handful. And even when I had clients come to

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Speaker 1: me for initial appointment, actually say to them, please go

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Speaker 1: and meet with other financial planners because we're not all

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Speaker 1: the same. We offer different levels of service and it

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Speaker 1: is really a relationship. But as you said, that level

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Speaker 1: of financial literacy. When you saw the first financial planner,

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Speaker 1: you didn't know that, and they didn't tell you that either.

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Speaker 4: Life felt like a landing of the slough.

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Speaker 3: And I think there was some from place of seen

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Speaker 3: there as well. It was well every year, even though

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Speaker 3: we sort of knew but I used to say, well,

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Speaker 3: he's better than nothing.

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Speaker 1: Oh wow, Yeah, Okay, the listeners out there that are

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Speaker 1: saying that themselves, that is a sign to shop around

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Speaker 1: for a different financial planner.

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Speaker 2: Ye.

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Speaker 4: Yeah.

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Speaker 2: And we tried to have faith that he was doing

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Speaker 2: it better than we would and it was probably correct.

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Speaker 4: But at the end of the day, you've got to

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Speaker 4: follow your gut.

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Speaker 1: Yeah, what would it say? Has been the biggest benefits

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Speaker 1: apart from financially that is, from seeing from getting quoity advice.

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Speaker 2: Look, the important thing for us has been there that

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Speaker 2: the slow but gentle transition from a place of fear

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Speaker 2: and anxiety around our future retirement to being in a

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Speaker 2: place where we are far less concerned about it and

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Speaker 2: we have the level of confidence that we're going to

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Speaker 2: have enough to see us out. It's priceless, it really is.

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Speaker 2: We can't stress that enough. And it takes the pressure

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Speaker 2: of great source of potential anxiety and conflict out of

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Speaker 2: our relationship because we're very much on the same pay

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Speaker 2: and we have a plan and sorry, we've got a

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Speaker 2: confidence that there's going to be enough to know. It

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Speaker 2: keeps the lights on and the trains or any one

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Speaker 2: time within our own and peace of mind is the

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Speaker 2: big thing The other thing that for me, which kind

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Speaker 2: of comes part of the advice, was being exposed to

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Speaker 2: strategems which we had no experience of. For example, the

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Speaker 2: ability to I thought that once you retired, everything in

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Speaker 2: your accumulation says the fund went into your pension funnel,

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Speaker 2: and that was the end of the story. Not the

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Speaker 2: end of the story at all, it's just the beginning.

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Speaker 2: So by keeping the accumulation fund open and topping that

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Speaker 2: up if you get work and being able to move

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Speaker 2: that into the pension fund every so often makes so

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Speaker 2: much sense. And yet that's a strategy, and so many

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Speaker 2: people just don't understand.

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Speaker 1: The tax savings with those strategies can be huge, and

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Speaker 1: that can be you know, that tax savings alone can

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Speaker 1: be the equivalent of like twenty percent of your living expenses,

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Speaker 1: just instantly like that. And that's a huge boost to

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Speaker 1: the value of getting quality advice. And I think people

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Speaker 1: really under estimate, you know, they're trying to allot themselves.

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Speaker 1: But the knowledge and the expertise of the strategy is, yes,

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Speaker 1: where the.

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Speaker 2: Meat of the the strategy is so important. And sticking

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Speaker 2: to the strategy, not changing it unless you've got very

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Speaker 2: good reason to.

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Speaker 4: And you know, exercise the plan, just roll the plan,

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Speaker 4: do it and keep at it.

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Speaker 1: A lot of people think that when you go and

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Speaker 1: see a financial planner, you're going to they're going to

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Speaker 1: be talking to you almost a foreign language, and that

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Speaker 1: they're going to be using, you know, acronym terminology that's

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Speaker 1: just you know, intimidating. Would you say this was the

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Speaker 1: case for you or did you find you know, especially

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Speaker 1: coming from a background, you thought you had quite a

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Speaker 1: low level initially of financial literacy.

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Speaker 2: Look, it can be a complex topic that the only

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Speaker 2: the dumbest question ever is the one you don't ask.

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Speaker 2: And you've got to be humble up to be able

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Speaker 2: to put your ego to one side and say, look,

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Speaker 2: I don't really quite understand what compulsory subranuation is. Why

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Speaker 2: do I what is an each year? What is what

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Speaker 2: our equities? I don't understand? Can you explain it to

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Speaker 2: me in terms that I can understand? And again that

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Speaker 2: comes back to the role of a good entered player

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Speaker 2: who will take you on that journey and give a

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Speaker 2: few in terms that you understand. And so the advice

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Speaker 2: that we bock seemed a little bit daunting, but if

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Speaker 2: you just relax, read through it and ask lots of Britain. Absolutely.

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Speaker 1: You mentioned when you first implemented the advice, you got

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Speaker 1: a little nervous and you know, called me up and

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Speaker 1: you were worried about you know, the portfolio of value

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Speaker 1: falling and you know it was this you could sense

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Speaker 1: obviously an element of panic, and yeah, how long did

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Speaker 1: you did it take for you to start to feel

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Speaker 1: better or feel confident and feel reassured that actually, no,

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Speaker 1: we're doing the right thing here is actually going to work,

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Speaker 1: because I think a lot of people think that financial

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Speaker 1: planner is going to magically, you know, trust everything instantly

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Speaker 1: and you know, like a haircut of most or a

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Speaker 1: makeover and you've got to walk out the door of

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Speaker 1: the Fashon Pole's office. But it's not the case. It

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Speaker 1: needs time is a genstation period. And you know, so

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Speaker 1: for you in your experience as someone who was approaching

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Speaker 1: retirement getting caughty advice finally and obviously being low in

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Speaker 1: faith and confidence at the time, how long did it

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Speaker 1: take for you to go all right, this was actually

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Speaker 1: a great move.

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Speaker 4: About twelve months, I think, So there was a bit of.

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Speaker 2: We started off for a probably level six seven anxiety

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Speaker 2: and then the twelve month probably dropped by about half

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Speaker 2: a percent of a month to the point now where

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Speaker 2: we have really probably only about a half of percent

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Speaker 2: anxiety of the whole thing, and the wits have anyway, Yeah,

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Speaker 2: we always will be blessed just the subject favorising the market,

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Speaker 2: and we're a bit ocd about it. One of the

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Speaker 2: things that was as interesting is with the new that

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Speaker 2: what was put in place, we then had access to it,

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Speaker 2: or maybe we may have, I don't know, but we

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Speaker 2: now realized that we had access to be able to

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Speaker 2: look at the watch the balances and see how that goes.

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Speaker 2: That's a two edged sword doing that too.

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Speaker 1: Often, it is, And I think ever I would have

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Speaker 1: told you that, I think.

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Speaker 2: You'd probably did. Yes. So again, ignore the news and

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Speaker 2: that you see on the you know, the financial section

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Speaker 2: of the of the news every night. Once you've got

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Speaker 2: your plan in place and just let it take care

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Speaker 2: of itself, you've got to play the long down.

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Speaker 4: Yeah, play the long dame.

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Speaker 2: And again it comes back to I wish I could

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Speaker 2: take every eight year old and tell them and show

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Speaker 2: them how compound interest works and how it can change

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Speaker 2: their world. And the long the earlier you start taking

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Speaker 2: control of your super well, lot Ofer, you have the

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Speaker 2: magic compound interest working in your favor. I wish there

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Speaker 2: was a thing where the government supported parents and grandparents

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Speaker 2: to put three thousand dollars or one thousand dollars into

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Speaker 2: some kind of account for children when they were born

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Speaker 2: and they can't touch it until they're sixty and a

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Speaker 2: drude kind of I've done a little bit of research

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Speaker 2: and I've worked out that most pensioners will cost the

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Speaker 2: Australian taxpayer around about half a million dollars in pension

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Speaker 2: that they received from the government for the duration of

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Speaker 2: the life and when they start taking it till when

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Speaker 2: they no longer need it. Imagine what our society would

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Speaker 2: look like and our economy would look like if that

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Speaker 2: wasn't even required because people were.

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Speaker 1: Self funded, self funded. Absolutely. Well, look, we're moving on

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Speaker 1: to a much more positive space. So that is your

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Speaker 1: financial future, because it's been almost three years since we

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Speaker 1: implemented your advice and I would love to hear about

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Speaker 1: how you feel now. You know, what is life looking

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Speaker 1: like for you? I mean, is retirement around the corner?

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Speaker 1: Can you see that light at the end of the tunnel?

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Speaker 2: Like?

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Speaker 1: What are your what are your plans? Now that your

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Speaker 1: financial world has changed for.

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Speaker 3: Me, I'm feeling entirely different about our future. I have

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Speaker 3: peace of mind. I can't stress that enough how important

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Speaker 3: that is. And I feel our future is secure. I

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Speaker 3: feel a much hackey act. I'm in a much place

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Speaker 3: knowing that we plan do all the things we're planning

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Speaker 3: to do, like doing a lot more traveling next year.

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Speaker 3: I'm just in an entirely different.

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Speaker 2: Mindset.

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Speaker 3: I can't explain it. It's just I'm just so thankful

404
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Speaker 3: to you, Kennor for doing all this for us. It's

405
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Speaker 3: just just give them a new lace of life on

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Speaker 3: fee truly.

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Speaker 1: Well, I don't really don't real God was saying accepting

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Speaker 1: that because you guys did all the hard work. You know,

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Speaker 1: I was just the one that guided you and told

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Speaker 1: you what to do and explained everything. You're the ones

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Speaker 1: that you know took action, hand your faith over to

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Speaker 1: me and and and listened and trusted me. And I

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Speaker 1: wouldn't have like we wouldn't it took that case. It

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Speaker 1: was a bit of a group efforts. So I thank

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Speaker 1: thank you for you know, for like believing in me

416
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Speaker 1: and and the value of of what I do with

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Speaker 1: the and the advice, and I was so grateful just

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Speaker 1: to get you to help pick that situation. And you know,

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Speaker 1: when I met with you both, you know, I was worried,

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Speaker 1: but I knew that if we started got onto this

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Speaker 1: quickly and wasted no time at all that but there

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Speaker 1: was a lot we could make up for a lot

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Speaker 1: of damn as I could fixed, and a lot of

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Speaker 1: time we could you could catch up on. So I

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00:24:05,080 --> 00:24:08,440
Speaker 1: had a feeling that you would be okay, but I

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Speaker 1: knew it really really boiled down to not delay. And

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Speaker 1: I think a lot of people you know are in

428
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Speaker 1: a very similar situation, whether they're just arming and ring.

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Speaker 1: And that's the scary thing is watching time being wasted.

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Speaker 1: And thankfully you guys hit the ground running and we're fantastic.

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Speaker 3: You know, on the very first day we met you,

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Speaker 3: I could see it on your base that you were worried.

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Speaker 3: So well, if she's worried, we better be. But you

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00:24:38,800 --> 00:24:43,879
Speaker 3: don't out of that big hole. And you know that

435
00:24:44,920 --> 00:24:48,800
Speaker 3: you just whoever you are, whatever your circumstances are, and

436
00:24:48,920 --> 00:24:54,960
Speaker 3: you must seek help and action. Now, don't believe it.

437
00:24:55,520 --> 00:24:57,040
Speaker 4: The cerner the churning.

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Speaker 2: Star, the easier your life becomes. Yes, and the less

439
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Speaker 2: stress you have in your life three years down the

440
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Speaker 2: track from employing in the out of the advice. Wow,

441
00:25:08,200 --> 00:25:11,520
Speaker 2: I can't believe the situation that we're in. Has it

442
00:25:11,640 --> 00:25:17,240
Speaker 2: been the most stellar performing return in the world. Probably not.

443
00:25:17,560 --> 00:25:19,680
Speaker 2: And then you know, I don't actually care.

444
00:25:21,880 --> 00:25:25,920
Speaker 1: Just for our listeners without obviously disclosing you know the

445
00:25:26,000 --> 00:25:28,760
Speaker 1: details of your financial situation obviously, but if you could

446
00:25:28,800 --> 00:25:32,159
Speaker 1: just share a little insiders to you know, when you

447
00:25:32,320 --> 00:25:35,360
Speaker 1: are potentially looking at retirement and because when we first

448
00:25:35,440 --> 00:25:37,680
Speaker 1: started this episode off you explaining how you had no

449
00:25:37,880 --> 00:25:39,480
Speaker 1: light at the end the tunnel, You had no you

450
00:25:39,520 --> 00:25:40,840
Speaker 1: thought you were going to be working well into your

451
00:25:40,920 --> 00:25:44,320
Speaker 1: seventies and that retirement whatever really actually happened for you.

452
00:25:44,720 --> 00:25:47,240
Speaker 1: Can you just share it with our listeners a little

453
00:25:47,280 --> 00:25:51,680
Speaker 1: bit about what your future looks like now and where

454
00:25:51,680 --> 00:25:52,560
Speaker 1: it might be kicking off.

455
00:25:53,040 --> 00:25:56,879
Speaker 2: Sure? Okay, So since we started back, I think, and

456
00:25:57,000 --> 00:26:01,679
Speaker 2: it was about April twenty twenty one, our the value

457
00:26:01,800 --> 00:26:05,359
Speaker 2: of our combined SUFO is gone up by about thirty

458
00:26:05,400 --> 00:26:11,159
Speaker 2: percent or ten percent per year, which is good numbers

459
00:26:11,240 --> 00:26:15,800
Speaker 2: in anyone's language, particularly as it's as it's the way

460
00:26:15,880 --> 00:26:17,960
Speaker 2: it's been structured and the strategy has been.

461
00:26:17,880 --> 00:26:18,520
Speaker 4: Put in place.

462
00:26:19,160 --> 00:26:21,480
Speaker 2: Most of that is tax free. The anions on that

463
00:26:21,640 --> 00:26:24,800
Speaker 2: is tax free. So we're in a much much better

464
00:26:24,880 --> 00:26:28,600
Speaker 2: place than we were. I can now I'm now looking

465
00:26:28,720 --> 00:26:33,280
Speaker 2: to retire before the middle of next year with confidence.

466
00:26:33,520 --> 00:26:38,000
Speaker 2: I actually look forward to it, and we really want

467
00:26:38,119 --> 00:26:42,760
Speaker 2: to start and enjoying life and to remove that pressure

468
00:26:43,240 --> 00:26:47,200
Speaker 2: having to go into the daily slog every five days

469
00:26:47,200 --> 00:26:49,840
Speaker 2: a week at the ripe adld age of sixty nine

470
00:26:50,480 --> 00:26:53,320
Speaker 2: and PID four and having to do that for however

471
00:26:53,960 --> 00:26:56,639
Speaker 2: loll it takes until I feel comfortable. Now we have

472
00:26:56,760 --> 00:26:59,840
Speaker 2: that level of comfy. So yeah, it's something that we're

473
00:26:59,840 --> 00:27:01,160
Speaker 2: looking looking forward to. Very light.

474
00:27:02,119 --> 00:27:05,240
Speaker 1: And how about a few Natalie, Compared to the way

475
00:27:05,320 --> 00:27:07,880
Speaker 1: I feel now compared to three.

476
00:27:07,800 --> 00:27:10,320
Speaker 2: Years ago is night and day.

477
00:27:10,680 --> 00:27:13,960
Speaker 3: I think we have no I don't. I know, we

478
00:27:14,160 --> 00:27:19,040
Speaker 3: have a lot more ahead of us. I'm just I

479
00:27:19,160 --> 00:27:22,280
Speaker 3: feel secure and piece of mind that we can go

480
00:27:22,880 --> 00:27:27,159
Speaker 3: and do our trips and not just to worry about

481
00:27:27,320 --> 00:27:32,560
Speaker 3: anything because everything that's taken care of and we're in

482
00:27:32,680 --> 00:27:35,240
Speaker 3: a very good financial position.

483
00:27:37,119 --> 00:27:40,520
Speaker 2: Yeah, I think that financial position is there have been

484
00:27:41,840 --> 00:27:44,760
Speaker 2: we would have been if we had not got Yeah,

485
00:27:45,160 --> 00:27:47,280
Speaker 2: their your advice and taken any.

486
00:27:47,560 --> 00:27:51,200
Speaker 3: Because I don't think we would be anywhere near what

487
00:27:51,400 --> 00:27:51,719
Speaker 3: we are.

488
00:27:52,920 --> 00:27:57,520
Speaker 2: Yeah. So yes, the idea of financial advice come to

489
00:27:57,600 --> 00:28:01,600
Speaker 2: the cost. Absolutely, But then so there's getting somebody to

490
00:28:01,720 --> 00:28:05,840
Speaker 2: build build your house. I mean when you don't learn,

491
00:28:06,040 --> 00:28:10,639
Speaker 2: you don't go, for example, swore for an animal and

492
00:28:10,880 --> 00:28:12,800
Speaker 2: because you want to meet, you go to a butcher

493
00:28:12,880 --> 00:28:15,400
Speaker 2: who does it's skilled and you pay a preen one

494
00:28:15,720 --> 00:28:21,200
Speaker 2: for those skills or you know you you do, you

495
00:28:21,280 --> 00:28:23,480
Speaker 2: don't care well, you make it your own here.

496
00:28:23,800 --> 00:28:27,119
Speaker 4: But you know, in an ideal world, you'll you'll you're.

497
00:28:27,000 --> 00:28:30,639
Speaker 2: Paid for the it's worth paying for the skills for

498
00:28:30,760 --> 00:28:34,960
Speaker 2: somebody to give you benefits that you don't know to

499
00:28:35,119 --> 00:28:38,400
Speaker 2: for their skills, loge and experience to be brought.

500
00:28:38,240 --> 00:28:39,800
Speaker 4: To bear on your situation.

501
00:28:41,080 --> 00:28:43,480
Speaker 1: Absolutely. You know, as I said to people of faith,

502
00:28:43,520 --> 00:28:45,280
Speaker 1: if you injured your knee, would you would you try

503
00:28:45,320 --> 00:28:47,200
Speaker 1: and do knee surgery?

504
00:28:48,240 --> 00:28:49,880
Speaker 2: I think I'll just surgery.

505
00:28:49,960 --> 00:28:50,680
Speaker 4: You go on West.

506
00:28:53,640 --> 00:28:55,760
Speaker 1: Anyone who's listening to this right now and is in

507
00:28:55,880 --> 00:28:58,560
Speaker 1: the situation for them right now that you were in,

508
00:28:59,000 --> 00:29:01,280
Speaker 1: you know, three four five years ago, you know, frozen

509
00:29:01,400 --> 00:29:06,440
Speaker 1: with fear, overwhelmed, a sense of panic and just despair

510
00:29:06,920 --> 00:29:10,000
Speaker 1: and hopelessness. You know, for someone who's too scared to

511
00:29:10,160 --> 00:29:14,560
Speaker 1: get advice or it doesn't understand how beneficial this could be,

512
00:29:14,800 --> 00:29:17,040
Speaker 1: what would you say to them right now as they

513
00:29:17,120 --> 00:29:17,480
Speaker 1: listen to.

514
00:29:19,000 --> 00:29:21,240
Speaker 4: The financial journey that you need to go on.

515
00:29:21,560 --> 00:29:26,000
Speaker 2: It's a bit like learning to walk. You weren't bond walkings.

516
00:29:26,960 --> 00:29:30,800
Speaker 5: You had a couple of goos, you sell over and

517
00:29:31,040 --> 00:29:34,120
Speaker 5: you got it together and you learned the next minute

518
00:29:34,200 --> 00:29:36,560
Speaker 5: you were walking, next minute you were striding, and the

519
00:29:36,640 --> 00:29:38,160
Speaker 5: next minute you were actually running.

520
00:29:39,200 --> 00:29:43,760
Speaker 2: And you were scared at first to start walking. This

521
00:29:44,000 --> 00:29:46,120
Speaker 2: can be out of a staying what it could be like.

522
00:29:46,240 --> 00:29:46,960
Speaker 1: And we were like this.

523
00:29:47,200 --> 00:29:50,320
Speaker 2: We were scared because it just all seemed too big

524
00:29:50,400 --> 00:29:54,720
Speaker 2: and too overwhelming until many it turns. But just start

525
00:29:54,840 --> 00:29:59,640
Speaker 2: small and just pape action and necessary you do it

526
00:30:00,280 --> 00:30:04,040
Speaker 2: that far easier than life will be. I wish owing

527
00:30:04,120 --> 00:30:07,480
Speaker 2: you now and the actor is that I did three

528
00:30:07,600 --> 00:30:13,280
Speaker 2: years ago, fifteen looking years ago. Because the legacy that

529
00:30:13,440 --> 00:30:16,320
Speaker 2: you can lead for the people that you care about

530
00:30:16,760 --> 00:30:19,360
Speaker 2: and the life that you can enjoy when you go

531
00:30:19,600 --> 00:30:22,760
Speaker 2: on that for thirty year holiday that you have to

532
00:30:22,840 --> 00:30:26,560
Speaker 2: pay for and you can't trade your time for money

533
00:30:26,640 --> 00:30:31,200
Speaker 2: to do it will be a very different experience to

534
00:30:31,360 --> 00:30:36,800
Speaker 2: when if you leave it until you're speech thank you.

535
00:30:38,160 --> 00:30:40,600
Speaker 1: I can't tell you how grave I am for you guys,

536
00:30:41,040 --> 00:30:43,720
Speaker 1: to you both sharing your story and your insights and

537
00:30:43,840 --> 00:30:48,560
Speaker 1: your experience, and I really hope this obviously figures pull

538
00:30:48,640 --> 00:30:52,680
Speaker 1: to action to get advice and to following your footsteps

539
00:30:52,760 --> 00:30:56,719
Speaker 1: and follow your wisdom. And in hearing today's conversation, hopefully

540
00:30:56,760 --> 00:30:59,560
Speaker 1: you can now see that the first step towards financial

541
00:30:59,640 --> 00:31:06,240
Speaker 1: clarity is truly transformational. And obviously hearing your story Glenn

542
00:31:06,280 --> 00:31:08,320
Speaker 1: and Athlete, it's a reminder that it's never too late

543
00:31:08,720 --> 00:31:12,959
Speaker 1: to seek financial advice and that when you get personal

544
00:31:13,080 --> 00:31:16,959
Speaker 1: professional advice, it is actually quite incredible what it can

545
00:31:17,040 --> 00:31:22,920
Speaker 1: do to your life, not just financially but emotionally, spiritually, energetically.

546
00:31:23,520 --> 00:31:26,720
Speaker 1: You know, even at getting a good quality in hight

547
00:31:26,800 --> 00:31:28,600
Speaker 1: sleep is the value is.

548
00:31:29,680 --> 00:31:33,680
Speaker 2: So it can either extend your life. I think because

549
00:31:33,680 --> 00:31:36,360
Speaker 2: of the last there were movament of stress and anxiety

550
00:31:36,440 --> 00:31:38,960
Speaker 2: from your life. As you say, make you seek better

551
00:31:39,400 --> 00:31:43,680
Speaker 2: and yeah, it just calms the farm, right.

552
00:31:43,600 --> 00:31:45,160
Speaker 1: Say to my kids all the time, carp with the

553
00:31:45,240 --> 00:31:50,680
Speaker 1: farm in the yelly, because right now you have ever

554
00:31:50,840 --> 00:31:56,320
Speaker 1: felt uncertain about your financial future, Please let this experience

555
00:31:56,600 --> 00:31:59,280
Speaker 1: from Glenn, and that would be the motivation that you

556
00:31:59,560 --> 00:32:02,840
Speaker 1: need right now today to reach out and take control

557
00:32:03,040 --> 00:32:07,760
Speaker 1: of your financial situation and your financial future, in particular

558
00:32:08,120 --> 00:32:12,160
Speaker 1: planning for your retirement and together we can all build

559
00:32:12,200 --> 00:32:15,720
Speaker 1: a future that is safe, secure, and free from financial

560
00:32:15,800 --> 00:32:20,000
Speaker 1: fear and anxiety. Thank you everyone for joining us this

561
00:32:20,160 --> 00:32:23,480
Speaker 1: morning on Sugar Mamma's Fireplay, and again a very special

562
00:32:23,600 --> 00:32:26,640
Speaker 1: thank you to Glenn and Natalie for their time in

563
00:32:26,760 --> 00:32:31,400
Speaker 1: sharing their experience, their mindset, and of course their transformation

564
00:32:31,800 --> 00:32:34,560
Speaker 1: and breakthrough something that you are more than worthy of.

565
00:32:34,880 --> 00:32:39,280
Speaker 1: Happy for yourself when you see he quiet until next time,

566
00:32:39,720 --> 00:32:43,680
Speaker 1: keep that financial require burning bright with it. Shout now

567
00:33:00,080 --> 00:33:00,160
Speaker 3: Ye