Amy Poching

Yeah, all sorts.

OK, this is a couple in their early 50s and 50, for people that are coming up to 50 or just as they turn 50, that's like an age where people go, oh, it's like we really need to get serious about this retirement stuff now.

And, yeah, so a common kind of scenario for people, early 50s, come to me, want to, like, get ourselves sorted for retirement.

They've got, they're both in their KiwiSaver, they've got a home, they've got a mortgage, they've got a couple of kids.

And when I looked at their situation, and they're like, want to buy an investment property.

Okay, so we looked at their situation and they don't have the cash flow to be doing it.

They are spending like $136,000 on day-to-day living expenses.

So that's living expenses.

That is not mortgage or KiwiSaver.

That is like food, clothing, rates, insurance, da-da-da.

And so because of that, they don't have the ability, they've got nothing to put anywhere, whether that's property, whether that's shares, whatever.

And so the first thing was to really just go through the process so that they could see we're going to need to make some changes.

We want something different for our future.

We are going to need to make some changes now.

So they now have the clarity to decide whether that's something that they want to do.

The other thing is that they were paying a huge amount for insurance, like close to 25 grand a year on insurance.

Just life, income and medical.

Yeah.

Insured to the health.

And so it's like, gosh, could we actually...