{"version":"1.0.0","segments":[{"speaker":"Jon Acuff","startTime":9.72,"endTime":13.02,"body":"Hey, this Jon Acuff,"},{"speaker":"Jon Acuff","startTime":9.72,"endTime":13.02,"body":"welcome to the podcast. I can't"},{"speaker":"Jon Acuff","startTime":13.02,"endTime":16.74,"body":"wait for today's episode. It's"},{"speaker":"Jon Acuff","startTime":13.02,"endTime":16.74,"body":"gonna be really, really fun,"},{"speaker":"Jon Acuff","startTime":16.77,"endTime":20.19,"body":"really, really fast. It's two"},{"speaker":"Jon Acuff","startTime":16.77,"endTime":20.19,"body":"Atlanta-based friends Joel"},{"speaker":"Jon Acuff","startTime":20.19,"endTime":24.15,"body":"Larsgaard and Matthew Altmix."},{"speaker":"Jon Acuff","startTime":20.19,"endTime":24.15,"body":"They're the co-hosts of How to"},{"speaker":"Jon Acuff","startTime":24.15,"endTime":27.18,"body":"Money. How to Money is an"},{"speaker":"Jon Acuff","startTime":24.15,"endTime":27.18,"body":"amazing podcast that was created"},{"speaker":"Jon Acuff","startTime":27.18,"endTime":31.35,"body":"in 2018. And the podcast helps"},{"speaker":"Jon Acuff","startTime":27.18,"endTime":31.35,"body":"people gain personal financial"},{"speaker":"Jon Acuff","startTime":31.41,"endTime":33.99,"body":"knowledge in a fun and"},{"speaker":"Jon Acuff","startTime":31.41,"endTime":33.99,"body":"interesting way. Skills include"},{"speaker":"Jon Acuff","startTime":33.99,"endTime":37.14,"body":"debt payoff, DIY investing,"},{"speaker":"Jon Acuff","startTime":33.99,"endTime":37.14,"body":"money tricks for rich living on"},{"speaker":"Jon Acuff","startTime":37.14,"endTime":41.04,"body":"less money, and the podcast has"},{"speaker":"Jon Acuff","startTime":37.14,"endTime":41.04,"body":"absolutely blown up. I think"},{"speaker":"Jon Acuff","startTime":41.04,"endTime":45.15,"body":"people love that it's unbiased,"},{"speaker":"Jon Acuff","startTime":41.04,"endTime":45.15,"body":"it's jargon free. It's real"},{"speaker":"Jon Acuff","startTime":45.15,"endTime":48.36,"body":"money advice, and they've got 20"},{"speaker":"Jon Acuff","startTime":45.15,"endTime":48.36,"body":"million downloads since they"},{"speaker":"Jon Acuff","startTime":48.36,"endTime":51.6,"body":"started. I love to talk about"},{"speaker":"Jon Acuff","startTime":48.36,"endTime":51.6,"body":"goals on this podcast. Obviously"},{"speaker":"Jon Acuff","startTime":51.6,"endTime":54.03,"body":"the podcast is called All It"},{"speaker":"Jon Acuff","startTime":51.6,"endTime":54.03,"body":"Takes is a Goal. So I thought"},{"speaker":"Jon Acuff","startTime":54.03,"endTime":57.99,"body":"it'd be fun to do our first real"},{"speaker":"Jon Acuff","startTime":54.03,"endTime":57.99,"body":"money episode. To have two good"},{"speaker":"Jon Acuff","startTime":57.99,"endTime":61.41,"body":"friends jump in and say \"hey,"},{"speaker":"Jon Acuff","startTime":57.99,"endTime":61.41,"body":"here's some smart things you can"},{"speaker":"Jon Acuff","startTime":61.41,"endTime":64.2,"body":"do with your money. Here's how"},{"speaker":"Jon Acuff","startTime":61.41,"endTime":64.2,"body":"to money.\" So today's episode is"},{"speaker":"Jon Acuff","startTime":64.2,"endTime":64.86,"body":"gonna be a blast."},{"speaker":"Jon Acuff","startTime":64.859,"endTime":69.419,"body":"But first, today's episode is"},{"speaker":"Jon Acuff","startTime":64.859,"endTime":69.419,"body":"sponsored by Medi-Share. Have y"},{"speaker":"Jon Acuff","startTime":69.419,"endTime":71.729,"body":"u guys ever had buyer's remor"},{"speaker":"Jon Acuff","startTime":69.419,"endTime":71.729,"body":"e? You know that feeling"},{"speaker":"Jon Acuff","startTime":71.729,"endTime":75.539,"body":"f intense regret because the thi"},{"speaker":"Jon Acuff","startTime":71.729,"endTime":75.539,"body":"g you thought you just had to ha"},{"speaker":"Jon Acuff","startTime":75.569,"endTime":78.269,"body":"e was only something used once o"},{"speaker":"Jon Acuff","startTime":75.569,"endTime":78.269,"body":"twice? For me it was the time"},{"speaker":"Jon Acuff","startTime":78.269,"endTime":80.489,"body":"bought a really expensive road"},{"speaker":"Jon Acuff","startTime":78.269,"endTime":80.489,"body":"ike because I thought I was"},{"speaker":"Jon Acuff","startTime":80.489,"endTime":83.369,"body":"oing to get into cycling. I"},{"speaker":"Jon Acuff","startTime":80.489,"endTime":83.369,"body":"roceeded to hang it on the wall"},{"speaker":"Jon Acuff","startTime":83.369,"endTime":86.909,"body":"n my garage and feel ashamed"},{"speaker":"Jon Acuff","startTime":83.369,"endTime":86.909,"body":"or six months. Well, I know som"},{"speaker":"Jon Acuff","startTime":86.909,"endTime":89.639,"body":"of you are experiencing bu"},{"speaker":"Jon Acuff","startTime":86.909,"endTime":89.639,"body":"er's remorse right now for some"},{"speaker":"Jon Acuff","startTime":89.639,"endTime":92.849,"body":"hing much more frustrating. You"},{"speaker":"Jon Acuff","startTime":89.639,"endTime":92.849,"body":"know what I'm talking about. It'"},{"speaker":"Jon Acuff","startTime":92.849,"endTime":96.389,"body":"the healthcare you rushed"},{"speaker":"Jon Acuff","startTime":92.849,"endTime":96.389,"body":"to get during open enrollme"},{"speaker":"Jon Acuff","startTime":96.389,"endTime":98.849,"body":"t last December. Well, I have so"},{"speaker":"Jon Acuff","startTime":96.389,"endTime":98.849,"body":"e good news for you. You've p"},{"speaker":"Jon Acuff","startTime":98.849,"endTime":102.029,"body":"obably heard me talking about o"},{"speaker":"Jon Acuff","startTime":98.849,"endTime":102.029,"body":"r main sponsor for this podcas"},{"speaker":"Jon Acuff","startTime":102.029,"endTime":105.629,"body":", Medi-Share. And these guys h"},{"speaker":"Jon Acuff","startTime":102.029,"endTime":105.629,"body":"ve the answer to healthcare"},{"speaker":"Jon Acuff","startTime":105.629,"endTime":109.679,"body":"uyer's remorse. Check this out,"},{"speaker":"Jon Acuff","startTime":105.629,"endTime":109.679,"body":"members of Medi-Share save up"},{"speaker":"Jon Acuff","startTime":109.679,"endTime":112.139,"body":"to 50% or more per mont"},{"speaker":"Jon Acuff","startTime":109.679,"endTime":112.139,"body":"on their health care costs. T"},{"speaker":"Jon Acuff","startTime":112.139,"endTime":115.379,"body":"ey say the typical family saves"},{"speaker":"Jon Acuff","startTime":112.139,"endTime":115.379,"body":"up to $500 per month. And here"},{"speaker":"Jon Acuff","startTime":115.379,"endTime":118.829,"body":"s the best part, you can become"},{"speaker":"Jon Acuff","startTime":115.379,"endTime":118.829,"body":"member at any time. So that mea"},{"speaker":"Jon Acuff","startTime":118.829,"endTime":121.439,"body":"s it isn't too late to ditch y"},{"speaker":"Jon Acuff","startTime":118.829,"endTime":121.439,"body":"ur buyer's remorse and switc"},{"speaker":"Jon Acuff","startTime":121.439,"endTime":124.499,"body":"to a more affordable health car"},{"speaker":"Jon Acuff","startTime":121.439,"endTime":124.499,"body":"that will save you money a"},{"speaker":"Jon Acuff","startTime":124.499,"endTime":126.989,"body":"d help you sleep better at nig"},{"speaker":"Jon Acuff","startTime":124.499,"endTime":126.989,"body":"t. If this is your first"},{"speaker":"Jon Acuff","startTime":126.989,"endTime":130.229,"body":"ime you're hearing about Medi"},{"speaker":"Jon Acuff","startTime":126.989,"endTime":130.229,"body":"Share, it is the best alternat"},{"speaker":"Jon Acuff","startTime":130.229,"endTime":133.259,"body":"ve to health insurance that"},{"speaker":"Jon Acuff","startTime":130.229,"endTime":133.259,"body":"llows you to share the burd"},{"speaker":"Jon Acuff","startTime":133.259,"endTime":137.729,"body":"n of medical bills, offers acc"},{"speaker":"Jon Acuff","startTime":133.259,"endTime":137.729,"body":"ss to 900,000 plus health care"},{"speaker":"Jon Acuff","startTime":137.729,"endTime":140.969,"body":"providers, and has a prove"},{"speaker":"Jon Acuff","startTime":137.729,"endTime":140.969,"body":"25 year track record. Plus"},{"speaker":"Jon Acuff","startTime":140.969,"endTime":143.999,"body":"in addition to saving hundreds"},{"speaker":"Jon Acuff","startTime":140.969,"endTime":143.999,"body":"per month, as a member of Me"},{"speaker":"Jon Acuff","startTime":143.999,"endTime":147.149,"body":"i-Share, you will also h"},{"speaker":"Jon Acuff","startTime":143.999,"endTime":147.149,"body":"ve access to free telehe"},{"speaker":"Jon Acuff","startTime":147.149,"endTime":150.179,"body":"lth and free telecounseling. Yo"},{"speaker":"Jon Acuff","startTime":147.149,"endTime":150.179,"body":"won't find that with any t"},{"speaker":"Jon Acuff","startTime":150.179,"endTime":152.759,"body":"aditional health insurance p"},{"speaker":"Jon Acuff","startTime":150.179,"endTime":152.759,"body":"ovider. Guys, it only takes t"},{"speaker":"Jon Acuff","startTime":152.759,"endTime":155.249,"body":"o minutes to see how much y"},{"speaker":"Jon Acuff","startTime":152.759,"endTime":155.249,"body":"u could save. Go investigate"},{"speaker":"Jon Acuff","startTime":155.309,"endTime":159.989,"body":"hat for yourself and your fa"},{"speaker":"Jon Acuff","startTime":155.309,"endTime":159.989,"body":"ily at Medi-Share.com/Jon. That"},{"speaker":"Jon Acuff","startTime":160.019,"endTime":162.719,"body":"s Medi-Share.com/Jon. Rem"},{"speaker":"Jon Acuff","startTime":160.019,"endTime":162.719,"body":"mber Jon doesn't have an H in"},{"speaker":"Jon Acuff","startTime":162.749,"endTime":171.389,"body":"t. So it's a M-E-D-I, that's Med"},{"speaker":"Jon Acuff","startTime":162.749,"endTime":171.389,"body":", share, S-H-A-R-E dot com slas"},{"speaker":"Jon Acuff","startTime":170.47,"endTime":174.1,"body":"Alright, so the concept, guys,"},{"speaker":"Jon Acuff","startTime":170.47,"endTime":174.1,"body":"f today's episode is very simpl"},{"speaker":"Jon Acuff","startTime":171.389,"endTime":174.539,"body":"J-O-N."},{"speaker":"Jon Acuff","startTime":174.1,"endTime":177.07,"body":". We call it New Friend Frida"},{"speaker":"Jon Acuff","startTime":174.1,"endTime":177.07,"body":". It's a chance for me to conne"},{"speaker":"Jon Acuff","startTime":177.07,"endTime":180.34,"body":"t with new people and share n"},{"speaker":"Jon Acuff","startTime":177.07,"endTime":180.34,"body":"w information with my audienc"},{"speaker":"Jon Acuff","startTime":180.34,"endTime":183.88,"body":". The concept is simple fi"},{"speaker":"Jon Acuff","startTime":180.34,"endTime":183.88,"body":"e questions on a Friday for"},{"speaker":"Jon Acuff","startTime":183.88,"endTime":187.12,"body":"5 minutes with new friends."},{"speaker":"Jon Acuff","startTime":183.88,"endTime":187.12,"body":"o Matt and Joel, thanks f"},{"speaker":"Jon Acuff","startTime":187.12,"endTime":187.72,"body":"r joining me toda"},{"speaker":"Joel Larsgaard","startTime":187.859,"endTime":189.449,"body":"Dude. Thanks for"},{"speaker":"Joel Larsgaard","startTime":187.859,"endTime":189.449,"body":"having us. We're glad to be here"},{"speaker":"Matt Altmix","startTime":189.449,"endTime":190.319,"body":"Yeah, we appreciate"},{"speaker":"Matt Altmix","startTime":189.449,"endTime":190.319,"body":"it."},{"speaker":"Jon Acuff","startTime":190.67,"endTime":192.29,"body":"Yeah, I think it's"},{"speaker":"Jon Acuff","startTime":190.67,"endTime":192.29,"body":"gonna be a lot of fun. We have"},{"speaker":"Jon Acuff","startTime":192.29,"endTime":195.8,"body":"Atlanta in common. I teased you"},{"speaker":"Jon Acuff","startTime":192.29,"endTime":195.8,"body":"about Nashville versus Atlanta,"},{"speaker":"Jon Acuff","startTime":195.8,"endTime":198.74,"body":"because I feel like most of"},{"speaker":"Jon Acuff","startTime":195.8,"endTime":198.74,"body":"Atlanta now lives in Nashville."},{"speaker":"Jon Acuff","startTime":199.37,"endTime":201.77,"body":"But I spent some time in"},{"speaker":"Jon Acuff","startTime":199.37,"endTime":201.77,"body":"Alpharetta. So I love that we've"},{"speaker":"Jon Acuff","startTime":201.77,"endTime":204.56,"body":"got some overlap in our southern"},{"speaker":"Jon Acuff","startTime":201.77,"endTime":204.56,"body":"roots, so to speak."},{"speaker":"Joel Larsgaard","startTime":204.75,"endTime":205.32,"body":"Absolutely."},{"speaker":"Matt Altmix","startTime":205.32,"endTime":206.61,"body":"That's right. We're"},{"speaker":"Matt Altmix","startTime":205.32,"endTime":206.61,"body":"staying here until there's"},{"speaker":"Matt Altmix","startTime":206.61,"endTime":209.31,"body":"nobody left man. Like even if"},{"speaker":"Matt Altmix","startTime":206.61,"endTime":209.31,"body":"they all moved to Nashville, I'm"},{"speaker":"Matt Altmix","startTime":209.31,"endTime":209.94,"body":"stayin' put."},{"speaker":"Jon Acuff","startTime":210.21,"endTime":212.13,"body":"Nice. You heard it"},{"speaker":"Jon Acuff","startTime":210.21,"endTime":212.13,"body":"here. You heard it here first."},{"speaker":"Jon Acuff","startTime":212.13,"endTime":215.49,"body":"So guys, I want to start"},{"speaker":"Jon Acuff","startTime":212.13,"endTime":215.49,"body":"question number one. What is the"},{"speaker":"Jon Acuff","startTime":215.49,"endTime":219.9,"body":"worst, most common money advice"},{"speaker":"Jon Acuff","startTime":215.49,"endTime":219.9,"body":"that you run into?"},{"speaker":"Jon Acuff","startTime":220.29,"endTime":221.49,"body":"Oh, gosh, that"},{"speaker":"Matt Altmix","startTime":221.849,"endTime":224.939,"body":"There are so many"},{"speaker":"Matt Altmix","startTime":221.849,"endTime":224.939,"body":"bad ones Jon. It's so hard to"},{"speaker":"Matt Altmix","startTime":224.939,"endTime":229.859,"body":"pinpoint one thing. But I guess"},{"speaker":"Matt Altmix","startTime":224.939,"endTime":229.859,"body":"like the thing that most people"},{"speaker":"Matt Altmix","startTime":230.039,"endTime":233.609,"body":"hear overall is that they should"},{"speaker":"Matt Altmix","startTime":230.039,"endTime":233.609,"body":"start investing. And I think"},{"speaker":"Matt Altmix","startTime":233.639,"endTime":237.179,"body":"we've seen this trend right now"},{"speaker":"Matt Altmix","startTime":233.639,"endTime":237.179,"body":"of people investing before they"},{"speaker":"Matt Altmix","startTime":237.179,"endTime":240.419,"body":"know what they're doing. They're"},{"speaker":"Matt Altmix","startTime":237.179,"endTime":240.419,"body":"investing in made up"},{"speaker":"Matt Altmix","startTime":240.419,"endTime":243.509,"body":"cryptocurrencies, right before"},{"speaker":"Matt Altmix","startTime":240.419,"endTime":243.509,"body":"they start investing"},{"speaker":"Joel Larsgaard","startTime":243.509,"endTime":245.099,"body":"Joke, meme"},{"speaker":"Joel Larsgaard","startTime":243.509,"endTime":245.099,"body":"coins."},{"speaker":"Matt Altmix","startTime":245.0,"endTime":247.4,"body":"Right, like the"},{"speaker":"Matt Altmix","startTime":245.0,"endTime":247.4,"body":"most basic way as possible"},{"speaker":"Matt Altmix","startTime":247.4,"endTime":250.1,"body":"before they even start putting"},{"speaker":"Matt Altmix","startTime":247.4,"endTime":250.1,"body":"money into their tax advantaged"},{"speaker":"Matt Altmix","startTime":250.1,"endTime":253.73,"body":"accounts like a 401k or an IRA."},{"speaker":"Matt Altmix","startTime":250.1,"endTime":253.73,"body":"They're like on the Robinhood"},{"speaker":"Matt Altmix","startTime":253.73,"endTime":256.64,"body":"app, and they're tossing, you"},{"speaker":"Matt Altmix","startTime":253.73,"endTime":256.64,"body":"know, all their spare cash into"},{"speaker":"Matt Altmix","startTime":256.64,"endTime":259.31,"body":"things that are highly volatile,"},{"speaker":"Matt Altmix","startTime":256.64,"endTime":259.31,"body":"that they don't really know much"},{"speaker":"Matt Altmix","startTime":259.31,"endTime":262.37,"body":"about. And so I think investing"},{"speaker":"Matt Altmix","startTime":259.31,"endTime":262.37,"body":"is a good thing. But I think"},{"speaker":"Matt Altmix","startTime":262.37,"endTime":264.35,"body":"right now, the current"},{"speaker":"Matt Altmix","startTime":262.37,"endTime":264.35,"body":"environment in which we're"},{"speaker":"Matt Altmix","startTime":264.35,"endTime":267.98,"body":"talking about investing, is it's"},{"speaker":"Matt Altmix","startTime":264.35,"endTime":267.98,"body":"fraught with a lot of perils for"},{"speaker":"Matt Altmix","startTime":268.01,"endTime":271.07,"body":"a lot of individual investors."},{"speaker":"Matt Altmix","startTime":268.01,"endTime":271.07,"body":"And not to mention, so we've"},{"speaker":"Matt Altmix","startTime":271.07,"endTime":273.8,"body":"seen the rise of Robinhood."},{"speaker":"Matt Altmix","startTime":271.07,"endTime":273.8,"body":"Right? And I think at this"},{"speaker":"Matt Altmix","startTime":273.8,"endTime":276.41,"body":"point, they have somewhere"},{"speaker":"Matt Altmix","startTime":273.8,"endTime":276.41,"body":"between 15 and 20 million users."},{"speaker":"Matt Altmix","startTime":276.56,"endTime":279.68,"body":"They saw a 6 million increase in"},{"speaker":"Matt Altmix","startTime":276.56,"endTime":279.68,"body":"the number of folks that join"},{"speaker":"Matt Altmix","startTime":279.68,"endTime":282.38,"body":"their platforms in two months"},{"speaker":"Matt Altmix","startTime":279.68,"endTime":282.38,"body":"earlier this year. And so that"},{"speaker":"Matt Altmix","startTime":282.38,"endTime":285.8,"body":"tells you something about the"},{"speaker":"Matt Altmix","startTime":282.38,"endTime":285.8,"body":"number of folks who are looking"},{"speaker":"Matt Altmix","startTime":285.8,"endTime":287.54,"body":"to cash in."},{"speaker":"Joel Larsgaard","startTime":287.63,"endTime":288.23,"body":"Get rich quick."},{"speaker":"Matt Altmix","startTime":288.26,"endTime":290.36,"body":"They're joining"},{"speaker":"Matt Altmix","startTime":288.26,"endTime":290.36,"body":"that casino like kind of"},{"speaker":"Matt Altmix","startTime":290.39,"endTime":293.33,"body":"mentality that's going on when"},{"speaker":"Matt Altmix","startTime":290.39,"endTime":293.33,"body":"it comes to single stock"},{"speaker":"Matt Altmix","startTime":293.33,"endTime":296.66,"body":"investing jumping on the"},{"speaker":"Matt Altmix","startTime":293.33,"endTime":296.66,"body":"cryptocurrencies. Before, they"},{"speaker":"Matt Altmix","startTime":296.66,"endTime":299.0,"body":"had basic things in place like"},{"speaker":"Matt Altmix","startTime":296.66,"endTime":299.0,"body":"an emergency fund before they're"},{"speaker":"Matt Altmix","startTime":299.0,"endTime":301.34,"body":"taking advantage of tax"},{"speaker":"Matt Altmix","startTime":299.0,"endTime":301.34,"body":"advantage accounts just like"},{"speaker":"Matt Altmix","startTime":301.34,"endTime":304.25,"body":"Joel mentioned, especially the"},{"speaker":"Matt Altmix","startTime":301.34,"endTime":304.25,"body":"ones that have a match at work."},{"speaker":"Jon Acuff","startTime":304.23,"endTime":307.74,"body":"Do you think that an"},{"speaker":"Jon Acuff","startTime":304.23,"endTime":307.74,"body":"this is question number two,"},{"speaker":"Matt Altmix","startTime":304.3,"endTime":308.02,"body":"Absolutely. I mean,"},{"speaker":"Matt Altmix","startTime":304.3,"endTime":308.02,"body":"that's the power of a narrative,"},{"speaker":"Matt Altmix","startTime":307.74,"endTime":311.25,"body":"need to transition properly. D"},{"speaker":"Matt Altmix","startTime":307.74,"endTime":311.25,"body":"you think that sometimes whe"},{"speaker":"Matt Altmix","startTime":309.58,"endTime":318.43,"body":"right? People love stories. They"},{"speaker":"Matt Altmix","startTime":309.58,"endTime":318.43,"body":"like hearing folks win. And in"},{"speaker":"Matt Altmix","startTime":311.25,"endTime":315.33,"body":"something's successful, we lis"},{"speaker":"Matt Altmix","startTime":311.25,"endTime":315.33,"body":"en to the story of the success,"},{"speaker":"Matt Altmix","startTime":315.33,"endTime":318.12,"body":"ut don't ever ask about all"},{"speaker":"Matt Altmix","startTime":315.33,"endTime":318.12,"body":"he work that went behind it?"},{"speaker":"Matt Altmix","startTime":318.12,"endTime":320.49,"body":"nd that's part of you know,"},{"speaker":"Matt Altmix","startTime":318.12,"endTime":320.49,"body":"ou hear \"so and so made X amoun"},{"speaker":"Matt Altmix","startTime":318.46,"endTime":334.33,"body":"particular, when it comes to"},{"speaker":"Matt Altmix","startTime":318.46,"endTime":334.33,"body":"their money, they see something"},{"speaker":"Matt Altmix","startTime":320.49,"endTime":322.89,"body":"of dollars on investing, I nee"},{"speaker":"Matt Altmix","startTime":320.49,"endTime":322.89,"body":"to invest\" and there"},{"speaker":"Matt Altmix","startTime":322.89,"endTime":325.59,"body":"s no background, it's just \"I'm"},{"speaker":"Matt Altmix","startTime":322.89,"endTime":325.59,"body":"going to throw my money at this"},{"speaker":"Matt Altmix","startTime":334.33,"endTime":337.24,"body":"and they think, \"Well, I can do"},{"speaker":"Matt Altmix","startTime":334.33,"endTime":337.24,"body":"that, like that, that took"},{"speaker":"Matt Altmix","startTime":337.24,"endTime":340.3,"body":"nothing for them.\" They don't"},{"speaker":"Matt Altmix","startTime":337.24,"endTime":340.3,"body":"see You know, for some"},{"speaker":"Matt Altmix","startTime":340.3,"endTime":342.82,"body":"individuals like the Warren"},{"speaker":"Matt Altmix","startTime":340.3,"endTime":342.82,"body":"Buffett's and Charlie Munger's"},{"speaker":"Matt Altmix","startTime":342.82,"endTime":346.57,"body":"of the world, they don't see the"},{"speaker":"Matt Altmix","startTime":342.82,"endTime":346.57,"body":"decade's worth of research that"},{"speaker":"Matt Altmix","startTime":346.57,"endTime":350.59,"body":"goes into successfully investing"},{"speaker":"Matt Altmix","startTime":346.57,"endTime":350.59,"body":"their money, and doing it over"},{"speaker":"Matt Altmix","startTime":350.68,"endTime":354.07,"body":"not only years, but decades,"},{"speaker":"Matt Altmix","startTime":350.68,"endTime":354.07,"body":"right. And so when we've seen"},{"speaker":"Matt Altmix","startTime":354.07,"endTime":357.55,"body":"the markets rebound, like we've"},{"speaker":"Matt Altmix","startTime":354.07,"endTime":357.55,"body":"seen since last March, it looks"},{"speaker":"Matt Altmix","startTime":357.55,"endTime":360.04,"body":"easy. And when when folks are"},{"speaker":"Matt Altmix","startTime":357.55,"endTime":360.04,"body":"winning with their money,"},{"speaker":"Matt Altmix","startTime":360.4,"endTime":362.26,"body":"everybody thinks that they can"},{"speaker":"Matt Altmix","startTime":360.4,"endTime":362.26,"body":"replicate that. But"},{"speaker":"Matt Altmix","startTime":362.26,"endTime":365.95,"body":"unfortunately, I mean, I'm not"},{"speaker":"Matt Altmix","startTime":362.26,"endTime":365.95,"body":"going to predict any, any"},{"speaker":"Matt Altmix","startTime":365.95,"endTime":368.05,"body":"downturns in the market. But at"},{"speaker":"Matt Altmix","startTime":365.95,"endTime":368.05,"body":"some point, that's going to"},{"speaker":"Matt Altmix","startTime":368.05,"endTime":370.99,"body":"happen. And I'm a little"},{"speaker":"Matt Altmix","startTime":368.05,"endTime":370.99,"body":"concerned as to the kind of"},{"speaker":"Matt Altmix","startTime":370.99,"endTime":373.57,"body":"effect that's going to have on"},{"speaker":"Matt Altmix","startTime":370.99,"endTime":373.57,"body":"some of these newer investors."},{"speaker":"Jon Acuff","startTime":373.69,"endTime":376.78,"body":"100%. This is my"},{"speaker":"Jon Acuff","startTime":373.69,"endTime":376.78,"body":"third question. Transitioning."},{"speaker":"Jon Acuff","startTime":377.05,"endTime":380.32,"body":"Is passive income a myth? I love"},{"speaker":"Jon Acuff","startTime":377.05,"endTime":380.32,"body":"that you guys talk about that."},{"speaker":"Jon Acuff","startTime":380.32,"endTime":381.85,"body":"And I want to hear your"},{"speaker":"Jon Acuff","startTime":380.32,"endTime":381.85,"body":"thoughts. Because I think"},{"speaker":"Jon Acuff","startTime":381.85,"endTime":385.12,"body":"there's a lot of people on a"},{"speaker":"Jon Acuff","startTime":381.85,"endTime":385.12,"body":"podcast about goals that might"},{"speaker":"Jon Acuff","startTime":385.12,"endTime":387.43,"body":"say, \"Okay, I've got a goal, to"},{"speaker":"Jon Acuff","startTime":385.12,"endTime":387.43,"body":"have a side hustle. I've got a"},{"speaker":"Jon Acuff","startTime":387.43,"endTime":391.63,"body":"goal, to try something. I want"},{"speaker":"Jon Acuff","startTime":387.43,"endTime":391.63,"body":"to be kind of a tiny bit of"},{"speaker":"Jon Acuff","startTime":391.63,"endTime":395.11,"body":"entrepreneur spirit. Like, and I"},{"speaker":"Jon Acuff","startTime":391.63,"endTime":395.11,"body":"keep hearing about passive"},{"speaker":"Jon Acuff","startTime":395.11,"endTime":398.47,"body":"income. And it's they just bring"},{"speaker":"Jon Acuff","startTime":395.11,"endTime":398.47,"body":"dump trucks of money to your"},{"speaker":"Jon Acuff","startTime":398.5,"endTime":402.52,"body":"driveway while you sleep. And I"},{"speaker":"Jon Acuff","startTime":398.5,"endTime":402.52,"body":"want that money.\" So is passive"},{"speaker":"Jon Acuff","startTime":402.55,"endTime":403.51,"body":"income a myth?"},{"speaker":"Joel Larsgaard","startTime":403.86,"endTime":405.54,"body":"So I don't want"},{"speaker":"Joel Larsgaard","startTime":403.86,"endTime":405.54,"body":"to be a Debbie Downer here."},{"speaker":"Joel Larsgaard","startTime":406.74,"endTime":410.88,"body":"Because I do think there is a"},{"speaker":"Joel Larsgaard","startTime":406.74,"endTime":410.88,"body":"reality to the idea of passive"},{"speaker":"Joel Larsgaard","startTime":410.88,"endTime":415.17,"body":"income. And it is something that"},{"speaker":"Joel Larsgaard","startTime":410.88,"endTime":415.17,"body":"you can, with hard work and time"},{"speaker":"Joel Larsgaard","startTime":415.47,"endTime":418.68,"body":"actually begin to have in your"},{"speaker":"Joel Larsgaard","startTime":415.47,"endTime":418.68,"body":"life. But it is one of the"},{"speaker":"Joel Larsgaard","startTime":418.68,"endTime":421.71,"body":"things that does take both of"},{"speaker":"Joel Larsgaard","startTime":418.68,"endTime":421.71,"body":"those ingredients, I think. And"},{"speaker":"Joel Larsgaard","startTime":421.71,"endTime":424.29,"body":"so whether it's stock investing,"},{"speaker":"Joel Larsgaard","startTime":421.71,"endTime":424.29,"body":"you know, whether it's investing"},{"speaker":"Joel Larsgaard","startTime":424.29,"endTime":428.58,"body":"in index funds, in your 401k, or"},{"speaker":"Joel Larsgaard","startTime":424.29,"endTime":428.58,"body":"in your IRA, like doing that"},{"speaker":"Joel Larsgaard","startTime":428.73,"endTime":431.97,"body":"work over 30 years, the goal is"},{"speaker":"Joel Larsgaard","startTime":428.73,"endTime":431.97,"body":"that you have passive income"},{"speaker":"Joel Larsgaard","startTime":431.97,"endTime":435.45,"body":"that you don't have to work once"},{"speaker":"Joel Larsgaard","startTime":431.97,"endTime":435.45,"body":"you hit your 50s or 60s, right."},{"speaker":"Joel Larsgaard","startTime":435.6,"endTime":437.7,"body":"And, you know, with the FIRE"},{"speaker":"Joel Larsgaard","startTime":435.6,"endTime":437.7,"body":"movement, maybe even a little"},{"speaker":"Joel Larsgaard","startTime":437.7,"endTime":438.42,"body":"bit earlier than that."},{"speaker":"Joel Larsgaard","startTime":438.0,"endTime":441.6,"body":"Your 30s and"},{"speaker":"Joel Larsgaard","startTime":438.0,"endTime":441.6,"body":"40s. And so that idea can become"},{"speaker":"Matt Altmix","startTime":438.45,"endTime":439.08,"body":"Thirties and"},{"speaker":"Matt Altmix","startTime":438.45,"endTime":439.08,"body":"forties."},{"speaker":"Matt Altmix","startTime":441.6,"endTime":443.85,"body":"a reality. It's just one of"},{"speaker":"Matt Altmix","startTime":441.6,"endTime":443.85,"body":"those things, that does take"},{"speaker":"Matt Altmix","startTime":443.85,"endTime":445.86,"body":"time, a lot of intentionality,"},{"speaker":"Matt Altmix","startTime":443.85,"endTime":445.86,"body":"and a lot of sacrifice. Because"},{"speaker":"Matt Altmix","startTime":445.86,"endTime":448.26,"body":"to get to that point in time,"},{"speaker":"Matt Altmix","startTime":445.86,"endTime":448.26,"body":"you're gonna have to spend a lot"},{"speaker":"Matt Altmix","startTime":448.26,"endTime":451.2,"body":"less than you earn. And you're"},{"speaker":"Matt Altmix","startTime":448.26,"endTime":451.2,"body":"gonna have to be socking that"},{"speaker":"Matt Altmix","startTime":451.2,"endTime":453.84,"body":"money away. And I think, you"},{"speaker":"Matt Altmix","startTime":451.2,"endTime":453.84,"body":"know, something like real estate"},{"speaker":"Matt Altmix","startTime":453.84,"endTime":458.28,"body":"is another area of investing"},{"speaker":"Matt Altmix","startTime":453.84,"endTime":458.28,"body":"where it gets talked about in"},{"speaker":"Matt Altmix","startTime":458.28,"endTime":460.5,"body":"this way, like, well, yeah, get"},{"speaker":"Matt Altmix","startTime":458.28,"endTime":460.5,"body":"your get your passive investment"},{"speaker":"Matt Altmix","startTime":460.5,"endTime":462.93,"body":"game on and buy some real"},{"speaker":"Matt Altmix","startTime":460.5,"endTime":462.93,"body":"estate. But there's work"},{"speaker":"Matt Altmix","startTime":462.93,"endTime":466.17,"body":"involved in that, too. Matt, and"},{"speaker":"Matt Altmix","startTime":462.93,"endTime":466.17,"body":"I each own a few properties. And"},{"speaker":"Matt Altmix","startTime":466.2,"endTime":468.51,"body":"you know, we have to find"},{"speaker":"Matt Altmix","startTime":466.2,"endTime":468.51,"body":"tenants, we have to, you know,"},{"speaker":"Matt Altmix","startTime":468.57,"endTime":471.87,"body":"make repairs. And there are all"},{"speaker":"Matt Altmix","startTime":468.57,"endTime":471.87,"body":"sorts of things that go into"},{"speaker":"Matt Altmix","startTime":471.87,"endTime":474.69,"body":"owning a property. Granted, I'm"},{"speaker":"Matt Altmix","startTime":471.87,"endTime":474.69,"body":"glad. Like, it's been a good"},{"speaker":"Matt Altmix","startTime":474.69,"endTime":477.69,"body":"return for us. Like, I'm"},{"speaker":"Matt Altmix","startTime":474.69,"endTime":477.69,"body":"thankful to be a real estate"},{"speaker":"Matt Altmix","startTime":477.69,"endTime":481.56,"body":"investor. But at the same time,"},{"speaker":"Matt Altmix","startTime":477.69,"endTime":481.56,"body":"it's not as easy or as simple as"},{"speaker":"Matt Altmix","startTime":481.56,"endTime":484.71,"body":"just passive income. Like there,"},{"speaker":"Matt Altmix","startTime":481.56,"endTime":484.71,"body":"yeah, there's other things at"},{"speaker":"Matt Altmix","startTime":484.71,"endTime":485.04,"body":"play."},{"speaker":"Jon Acuff","startTime":485.52,"endTime":487.74,"body":"Now, you mentioned"},{"speaker":"Jon Acuff","startTime":485.52,"endTime":487.74,"body":"the FIRE movement. For somebody"},{"speaker":"Jon Acuff","startTime":487.74,"endTime":491.55,"body":"who hasn't heard of that, define"},{"speaker":"Jon Acuff","startTime":487.74,"endTime":491.55,"body":"it and I want to hear Matt and"},{"speaker":"Jon Acuff","startTime":491.55,"endTime":494.73,"body":"Joel's opinion of the FIRE"},{"speaker":"Jon Acuff","startTime":491.55,"endTime":494.73,"body":"movement, because it's massive"},{"speaker":"Jon Acuff","startTime":494.73,"endTime":496.44,"body":"online. Like it's gigantic"},{"speaker":"Jon Acuff","startTime":494.73,"endTime":496.44,"body":"online."},{"speaker":"Matt Altmix","startTime":496.51,"endTime":498.73,"body":"It's massive, and"},{"speaker":"Matt Altmix","startTime":496.51,"endTime":498.73,"body":"it continues to grow. Right. So"},{"speaker":"Matt Altmix","startTime":498.73,"endTime":502.6,"body":"FIRE is financial independence,"},{"speaker":"Matt Altmix","startTime":498.73,"endTime":502.6,"body":"retire early. And so it's a"},{"speaker":"Matt Altmix","startTime":502.6,"endTime":507.52,"body":"movement. And essentially, it's"},{"speaker":"Matt Altmix","startTime":502.6,"endTime":507.52,"body":"no different than the, you know,"},{"speaker":"Matt Altmix","startTime":507.55,"endTime":510.28,"body":"the traditional idea of"},{"speaker":"Matt Altmix","startTime":507.55,"endTime":510.28,"body":"retirement where you work, you"},{"speaker":"Matt Altmix","startTime":510.28,"endTime":513.28,"body":"invest your money, and then you"},{"speaker":"Matt Altmix","startTime":510.28,"endTime":513.28,"body":"have that money to fund your"},{"speaker":"Matt Altmix","startTime":513.28,"endTime":515.5,"body":"lifestyle to pay the bills."},{"speaker":"Matt Altmix","startTime":513.28,"endTime":515.5,"body":"Except for obviously, the"},{"speaker":"Matt Altmix","startTime":515.5,"endTime":518.47,"body":"biggest difference is it's"},{"speaker":"Matt Altmix","startTime":515.5,"endTime":518.47,"body":"retire early. It's the ability"},{"speaker":"Matt Altmix","startTime":518.47,"endTime":522.58,"body":"to do that on a truncated time"},{"speaker":"Matt Altmix","startTime":518.47,"endTime":522.58,"body":"schedule. So yeah, I mean, it's"},{"speaker":"Matt Altmix","startTime":522.58,"endTime":525.22,"body":"something that Joel and I that"},{"speaker":"Matt Altmix","startTime":522.58,"endTime":525.22,"body":"we are both pursuing. I think,"},{"speaker":"Matt Altmix","startTime":525.22,"endTime":527.86,"body":"unfortunately, a lot of times,"},{"speaker":"Matt Altmix","startTime":525.22,"endTime":527.86,"body":"we know folks in the space that"},{"speaker":"Matt Altmix","startTime":527.86,"endTime":531.46,"body":"have become too obsessed with"},{"speaker":"Matt Altmix","startTime":527.86,"endTime":531.46,"body":"the idea of financial"},{"speaker":"Matt Altmix","startTime":531.46,"endTime":533.86,"body":"independence. And because of"},{"speaker":"Matt Altmix","startTime":531.46,"endTime":533.86,"body":"that, what they've done is"},{"speaker":"Matt Altmix","startTime":533.98,"endTime":536.32,"body":"they've pushed a lot of things"},{"speaker":"Matt Altmix","startTime":533.98,"endTime":536.32,"body":"to the side in their life."},{"speaker":"Matt Altmix","startTime":536.35,"endTime":538.54,"body":"Whether that's their health,"},{"speaker":"Matt Altmix","startTime":536.35,"endTime":538.54,"body":"whether that's their family,"},{"speaker":"Matt Altmix","startTime":538.54,"endTime":541.51,"body":"other important relationships."},{"speaker":"Matt Altmix","startTime":538.54,"endTime":541.51,"body":"And when you're so focused on"},{"speaker":"Matt Altmix","startTime":541.51,"endTime":544.36,"body":"something like your number, you"},{"speaker":"Matt Altmix","startTime":541.51,"endTime":544.36,"body":"know, your number, like"},{"speaker":"Matt Altmix","startTime":544.39,"endTime":546.4,"body":"everybody knows, or not"},{"speaker":"Matt Altmix","startTime":544.39,"endTime":546.4,"body":"everybody, but a lot of folks"},{"speaker":"Matt Altmix","startTime":546.94,"endTime":550.09,"body":"who are in the FIRE movement"},{"speaker":"Matt Altmix","startTime":546.94,"endTime":550.09,"body":"know that once they achieve this"},{"speaker":"Matt Altmix","startTime":550.12,"endTime":553.06,"body":"magical number, that that's when"},{"speaker":"Matt Altmix","startTime":550.12,"endTime":553.06,"body":"they can quit their job. That's"},{"speaker":"Matt Altmix","startTime":553.06,"endTime":555.67,"body":"when they can shift gears, you"},{"speaker":"Matt Altmix","startTime":553.06,"endTime":555.67,"body":"know, spend time on the beach,"},{"speaker":"Matt Altmix","startTime":555.67,"endTime":558.28,"body":"whatever it is that they want to"},{"speaker":"Matt Altmix","startTime":555.67,"endTime":558.28,"body":"do, it's up to the individual."},{"speaker":"Matt Altmix","startTime":558.79,"endTime":562.51,"body":"But when you purely focus on the"},{"speaker":"Matt Altmix","startTime":558.79,"endTime":562.51,"body":"number, you're sacrificing a lot"},{"speaker":"Matt Altmix","startTime":562.51,"endTime":565.18,"body":"along the way. And"},{"speaker":"Matt Altmix","startTime":562.51,"endTime":565.18,"body":"unfortunately, we've seen some"},{"speaker":"Matt Altmix","startTime":565.18,"endTime":568.27,"body":"folks kind of get to that point."},{"speaker":"Matt Altmix","startTime":565.18,"endTime":568.27,"body":"And then they realize that,"},{"speaker":"Matt Altmix","startTime":568.3,"endTime":569.92,"body":"gosh, like what is their left,"},{"speaker":"Joel Larsgaard","startTime":570.16,"endTime":571.36,"body":"There is no pot"},{"speaker":"Joel Larsgaard","startTime":570.16,"endTime":571.36,"body":"of gold at the end of the"},{"speaker":"Joel Larsgaard","startTime":571.36,"endTime":571.6,"body":"rainbow,"},{"speaker":"Matt Altmix","startTime":571.6,"endTime":572.74,"body":"There's no pot of"},{"speaker":"Matt Altmix","startTime":571.6,"endTime":572.74,"body":"gold, they don't find"},{"speaker":"Matt Altmix","startTime":572.74,"endTime":574.96,"body":"fulfillment. And there's a lot"},{"speaker":"Matt Altmix","startTime":572.74,"endTime":574.96,"body":"of individuals who have gone"},{"speaker":"Matt Altmix","startTime":574.96,"endTime":578.56,"body":"back to work because maybe they"},{"speaker":"Matt Altmix","startTime":574.96,"endTime":578.56,"body":"even put too much of their self"},{"speaker":"Matt Altmix","startTime":578.56,"endTime":581.53,"body":"worth, too much of their"},{"speaker":"Matt Altmix","startTime":578.56,"endTime":581.53,"body":"identity, in their work. And you"},{"speaker":"Matt Altmix","startTime":581.53,"endTime":584.23,"body":"know, we're big fans of work."},{"speaker":"Matt Altmix","startTime":581.53,"endTime":584.23,"body":"But you got to find that balance"},{"speaker":"Matt Altmix","startTime":584.23,"endTime":587.08,"body":"between striving for"},{"speaker":"Matt Altmix","startTime":584.23,"endTime":587.08,"body":"independence while also finding"},{"speaker":"Matt Altmix","startTime":587.08,"endTime":588.52,"body":"ways to bring value to other"},{"speaker":"Matt Altmix","startTime":587.08,"endTime":588.52,"body":"people."},{"speaker":"Joel Larsgaard","startTime":588.54,"endTime":590.13,"body":"Yeah, I think"},{"speaker":"Joel Larsgaard","startTime":588.54,"endTime":590.13,"body":"those first two letters are the"},{"speaker":"Joel Larsgaard","startTime":590.13,"endTime":592.11,"body":"best two letters, the financial"},{"speaker":"Joel Larsgaard","startTime":590.13,"endTime":592.11,"body":"independence part right and the"},{"speaker":"Joel Larsgaard","startTime":592.11,"endTime":594.75,"body":"retire early we're less enthused"},{"speaker":"Joel Larsgaard","startTime":592.11,"endTime":594.75,"body":"about. I think if it's running"},{"speaker":"Joel Larsgaard","startTime":594.75,"endTime":597.78,"body":"away from work, if it's this"},{"speaker":"Joel Larsgaard","startTime":594.75,"endTime":597.78,"body":"attempt to, like live as"},{"speaker":"Joel Larsgaard","startTime":597.78,"endTime":600.6,"body":"frugally as possible now so that"},{"speaker":"Joel Larsgaard","startTime":597.78,"endTime":600.6,"body":"you can eventually, you know,"},{"speaker":"Joel Larsgaard","startTime":600.6,"endTime":603.45,"body":"quit work and live as frugally"},{"speaker":"Joel Larsgaard","startTime":600.6,"endTime":603.45,"body":"as possible, because that's kind"},{"speaker":"Joel Larsgaard","startTime":603.45,"endTime":606.36,"body":"of what's required. For most"},{"speaker":"Joel Larsgaard","startTime":603.45,"endTime":606.36,"body":"people when it comes to FIRE, I"},{"speaker":"Joel Larsgaard","startTime":606.36,"endTime":608.64,"body":"think that's that's not a good"},{"speaker":"Joel Larsgaard","startTime":606.36,"endTime":608.64,"body":"thing. Like we want people to"},{"speaker":"Joel Larsgaard","startTime":608.64,"endTime":611.16,"body":"enjoy their work or to pursue"},{"speaker":"Joel Larsgaard","startTime":608.64,"endTime":611.16,"body":"something that they love in the"},{"speaker":"Joel Larsgaard","startTime":611.16,"endTime":613.65,"body":"here and now. And if it means"},{"speaker":"Joel Larsgaard","startTime":611.16,"endTime":613.65,"body":"not being able to invest as"},{"speaker":"Joel Larsgaard","startTime":613.65,"endTime":616.62,"body":"much, that's okay. Because,"},{"speaker":"Joel Larsgaard","startTime":613.65,"endTime":616.62,"body":"yeah, life's not all about"},{"speaker":"Joel Larsgaard","startTime":616.62,"endTime":620.25,"body":"quitting work at the age of 35,"},{"speaker":"Joel Larsgaard","startTime":616.62,"endTime":620.25,"body":"or 40. And there are some merits"},{"speaker":"Joel Larsgaard","startTime":620.25,"endTime":622.14,"body":"to I think there's a lot of"},{"speaker":"Joel Larsgaard","startTime":620.25,"endTime":622.14,"body":"things that people can learn"},{"speaker":"Joel Larsgaard","startTime":622.14,"endTime":624.42,"body":"from the FIRE movement. There"},{"speaker":"Joel Larsgaard","startTime":622.14,"endTime":624.42,"body":"are a lot of really smart people"},{"speaker":"Joel Larsgaard","startTime":624.42,"endTime":627.15,"body":"in it, but at the same time,"},{"speaker":"Joel Larsgaard","startTime":624.42,"endTime":627.15,"body":"yeah, it can be sometimes"},{"speaker":"Joel Larsgaard","startTime":627.18,"endTime":629.97,"body":"reactionary. If you're pursuing"},{"speaker":"Joel Larsgaard","startTime":627.18,"endTime":629.97,"body":"it for that reason. It's not a"},{"speaker":"Joel Larsgaard","startTime":629.97,"endTime":630.42,"body":"great thing."},{"speaker":"Jon Acuff","startTime":630.69,"endTime":633.18,"body":"Yeah, I guess I don't"},{"speaker":"Jon Acuff","startTime":630.69,"endTime":633.18,"body":"want a life I need to escape"},{"speaker":"Jon Acuff","startTime":633.18,"endTime":633.54,"body":"from"},{"speaker":"Joel Larsgaard","startTime":633.69,"endTime":634.38,"body":"Right. Yeah."},{"speaker":"Jon Acuff","startTime":634.0,"endTime":637.69,"body":"I love the work I do."},{"speaker":"Jon Acuff","startTime":634.0,"endTime":637.69,"body":"I love that there's, I'm sure,"},{"speaker":"Jon Acuff","startTime":637.72,"endTime":640.93,"body":"retirement at some point in the"},{"speaker":"Jon Acuff","startTime":637.72,"endTime":640.93,"body":"future. But I also know if I was"},{"speaker":"Jon Acuff","startTime":640.96,"endTime":644.38,"body":"40, and I was done, I don't know"},{"speaker":"Jon Acuff","startTime":640.96,"endTime":644.38,"body":"that it's reasonable to think"},{"speaker":"Jon Acuff","startTime":644.38,"endTime":648.52,"body":"you'd spend 20 years hustling"},{"speaker":"Jon Acuff","startTime":644.38,"endTime":648.52,"body":"really working hard, and then"},{"speaker":"Jon Acuff","startTime":648.97,"endTime":651.04,"body":"when you get to the number,"},{"speaker":"Jon Acuff","startTime":648.97,"endTime":651.04,"body":"you're going to be a completely"},{"speaker":"Jon Acuff","startTime":651.04,"endTime":655.03,"body":"different person. And now you're"},{"speaker":"Jon Acuff","startTime":651.04,"endTime":655.03,"body":"like, Joe, Relax. Like, I think"},{"speaker":"Jon Acuff","startTime":655.06,"endTime":657.79,"body":"you've just taught yourself to"},{"speaker":"Jon Acuff","startTime":655.06,"endTime":657.79,"body":"sprint for 20 years."},{"speaker":"Joel Larsgaard","startTime":657.82,"endTime":658.27,"body":"Yeah."},{"speaker":"Jon Acuff","startTime":658.54,"endTime":661.54,"body":"That's a tough"},{"speaker":"Jon Acuff","startTime":658.54,"endTime":661.54,"body":"transition to \"And now I live in"},{"speaker":"Jon Acuff","startTime":661.54,"endTime":664.78,"body":"Key West and I have a cat and"},{"speaker":"Jon Acuff","startTime":661.54,"endTime":664.78,"body":"this is my cat. And I write"},{"speaker":"Jon Acuff","startTime":664.78,"endTime":665.89,"body":"poems about my cat.\""},{"speaker":"Joel Larsgaard","startTime":665.96,"endTime":667.43,"body":"It could be"},{"speaker":"Joel Larsgaard","startTime":665.96,"endTime":667.43,"body":"multiple cats too. Let's be"},{"speaker":"Joel Larsgaard","startTime":667.43,"endTime":667.85,"body":"honest."},{"speaker":"Jon Acuff","startTime":667.88,"endTime":670.25,"body":"I think a lot of"},{"speaker":"Jon Acuff","startTime":667.88,"endTime":670.25,"body":"cats, I think you go real heavy"},{"speaker":"Jon Acuff","startTime":670.25,"endTime":671.42,"body":"into cats, I think you"},{"speaker":"Matt Altmix","startTime":671.48,"endTime":672.56,"body":"That's what you do"},{"speaker":"Matt Altmix","startTime":671.48,"endTime":672.56,"body":"with your time."},{"speaker":"Jon Acuff","startTime":673.52,"endTime":675.74,"body":"Like if you've taught"},{"speaker":"Jon Acuff","startTime":673.52,"endTime":675.74,"body":"yourself to be aggressively"},{"speaker":"Jon Acuff","startTime":675.74,"endTime":678.29,"body":"motivated and hustling, you"},{"speaker":"Jon Acuff","startTime":675.74,"endTime":678.29,"body":"don't turn that off with a"},{"speaker":"Jon Acuff","startTime":678.29,"endTime":681.11,"body":"switch. I mean, like you said,"},{"speaker":"Jon Acuff","startTime":678.29,"endTime":681.11,"body":"it's not, it's not the balance."},{"speaker":"Jon Acuff","startTime":681.11,"endTime":684.11,"body":"And the other thing is missing"},{"speaker":"Jon Acuff","startTime":681.11,"endTime":684.11,"body":"your family for the number. Like"},{"speaker":"Jon Acuff","startTime":684.11,"endTime":686.54,"body":"you have one shot at their"},{"speaker":"Jon Acuff","startTime":684.11,"endTime":686.54,"body":"childhood. Like you don't get to"},{"speaker":"Jon Acuff","startTime":686.54,"endTime":690.11,"body":"repeat that. I've never met"},{"speaker":"Jon Acuff","startTime":686.54,"endTime":690.11,"body":"somebody's kid who said, \"Yeah,"},{"speaker":"Jon Acuff","startTime":690.11,"endTime":693.02,"body":"I didn't know my dad growing up,"},{"speaker":"Jon Acuff","startTime":690.11,"endTime":693.02,"body":"but I have a really cool bike."},{"speaker":"Jon Acuff","startTime":693.2,"endTime":696.65,"body":"And so like, it's front"},{"speaker":"Jon Acuff","startTime":693.2,"endTime":696.65,"body":"suspension and rear. So it's at"},{"speaker":"Jon Acuff","startTime":696.65,"endTime":699.02,"body":"the end and works out.\" And so I"},{"speaker":"Jon Acuff","startTime":696.65,"endTime":699.02,"body":"think, I think you're right, I"},{"speaker":"Jon Acuff","startTime":699.02,"endTime":700.85,"body":"think it's, there's some great"},{"speaker":"Jon Acuff","startTime":699.02,"endTime":700.85,"body":"things, but there's also"},{"speaker":"Jon Acuff","startTime":700.85,"endTime":705.29,"body":"balance. I'm curious, question"},{"speaker":"Jon Acuff","startTime":700.85,"endTime":705.29,"body":"number four, what are the four"},{"speaker":"Jon Acuff","startTime":705.29,"endTime":709.01,"body":"books about money you'd put on"},{"speaker":"Jon Acuff","startTime":705.29,"endTime":709.01,"body":"your Mount Rushmore of financial"},{"speaker":"Jon Acuff","startTime":709.01,"endTime":712.43,"body":"advice. So I'm a listener of"},{"speaker":"Jon Acuff","startTime":709.01,"endTime":712.43,"body":"this podcast, money's one of my"},{"speaker":"Jon Acuff","startTime":712.43,"endTime":714.8,"body":"goals, I want to kind of, you"},{"speaker":"Jon Acuff","startTime":712.43,"endTime":714.8,"body":"know, figure out some things."},{"speaker":"Jon Acuff","startTime":714.8,"endTime":717.68,"body":"You guys have to pick four books"},{"speaker":"Jon Acuff","startTime":714.8,"endTime":717.68,"body":"that are on the Mount Rushmore"},{"speaker":"Jon Acuff","startTime":717.68,"endTime":719.54,"body":"of financial advice, who you're"},{"speaker":"Jon Acuff","startTime":717.68,"endTime":719.54,"body":"putting up there?"},{"speaker":"Joel Larsgaard","startTime":719.75,"endTime":722.18,"body":"Alright, the"},{"speaker":"Joel Larsgaard","startTime":719.75,"endTime":722.18,"body":"first one I would recommend is"},{"speaker":"Joel Larsgaard","startTime":722.18,"endTime":726.26,"body":"The Richest an in Babylon. This"},{"speaker":"Joel Larsgaard","startTime":722.18,"endTime":726.26,"body":"is a super old school book. And"},{"speaker":"Joel Larsgaard","startTime":726.26,"endTime":728.72,"body":"it's been a minute honestly,"},{"speaker":"Joel Larsgaard","startTime":726.26,"endTime":728.72,"body":"since I've, since I've read it."},{"speaker":"Joel Larsgaard","startTime":729.92,"endTime":733.64,"body":"I mean, it's written in terrible"},{"speaker":"Joel Larsgaard","startTime":729.92,"endTime":733.64,"body":"form. And the lessons that he's"},{"speaker":"Joel Larsgaard","startTime":733.64,"endTime":737.03,"body":"able to weave into these"},{"speaker":"Joel Larsgaard","startTime":733.64,"endTime":737.03,"body":"stories, you know, based on like"},{"speaker":"Joel Larsgaard","startTime":737.06,"endTime":741.56,"body":"ancient Greece, are timeless."},{"speaker":"Joel Larsgaard","startTime":737.06,"endTime":741.56,"body":"And so he explains these"},{"speaker":"Joel Larsgaard","startTime":741.56,"endTime":744.83,"body":"principles behind, I mean, at"},{"speaker":"Joel Larsgaard","startTime":741.56,"endTime":744.83,"body":"the end of the day, it's, it's"},{"speaker":"Joel Larsgaard","startTime":744.83,"endTime":747.47,"body":"spending less than you make and"},{"speaker":"Joel Larsgaard","startTime":744.83,"endTime":747.47,"body":"making sure that you're using"},{"speaker":"Joel Larsgaard","startTime":747.47,"endTime":751.82,"body":"that money to put towards"},{"speaker":"Joel Larsgaard","startTime":747.47,"endTime":751.82,"body":"essentially buying more money"},{"speaker":"Joel Larsgaard","startTime":751.82,"endTime":754.37,"body":"that will earn you more money"},{"speaker":"Joel Larsgaard","startTime":751.82,"endTime":754.37,"body":"down the road. It's essentially"},{"speaker":"Joel Larsgaard","startTime":754.37,"endTime":759.17,"body":"finding ways to invest and"},{"speaker":"Joel Larsgaard","startTime":754.37,"endTime":759.17,"body":"making sure that you're not"},{"speaker":"Joel Larsgaard","startTime":759.38,"endTime":764.03,"body":"solely dependent on your ability"},{"speaker":"Joel Larsgaard","startTime":759.38,"endTime":764.03,"body":"to work into labor, to provide"},{"speaker":"Joel Larsgaard","startTime":764.03,"endTime":767.06,"body":"for yourself, and so yeah, I'll"},{"speaker":"Joel Larsgaard","startTime":764.03,"endTime":767.06,"body":"put that one out there as my"},{"speaker":"Joel Larsgaard","startTime":767.15,"endTime":768.05,"body":"personal number one."},{"speaker":"Joel Larsgaard","startTime":768.03,"endTime":770.52,"body":"Okay, I'll go to number two"},{"speaker":"Joel Larsgaard","startTime":768.03,"endTime":770.52,"body":"here. I think that another"},{"speaker":"Joel Larsgaard","startTime":770.52,"endTime":772.98,"body":"really important book in the"},{"speaker":"Joel Larsgaard","startTime":770.52,"endTime":772.98,"body":"repertoire is The Simple Path to"},{"speaker":"Joel Larsgaard","startTime":772.98,"endTime":775.53,"body":"Wealth. Matt and I are all about"},{"speaker":"Joel Larsgaard","startTime":772.98,"endTime":775.53,"body":"simplicity. I think the"},{"speaker":"Joel Larsgaard","startTime":775.56,"endTime":778.17,"body":"financial services industry"},{"speaker":"Joel Larsgaard","startTime":775.56,"endTime":778.17,"body":"wants to make you think that"},{"speaker":"Joel Larsgaard","startTime":778.17,"endTime":780.18,"body":"money is really, really"},{"speaker":"Joel Larsgaard","startTime":778.17,"endTime":780.18,"body":"difficult, and that you can't do"},{"speaker":"Joel Larsgaard","startTime":780.18,"endTime":783.33,"body":"it by yourself. And like"},{"speaker":"Joel Larsgaard","startTime":780.18,"endTime":783.33,"body":"investing is super complicated."},{"speaker":"Joel Larsgaard","startTime":783.57,"endTime":787.53,"body":"And a lot of that is is just"},{"speaker":"Joel Larsgaard","startTime":783.57,"endTime":787.53,"body":"bunk, like it's just not true."},{"speaker":"Joel Larsgaard","startTime":787.74,"endTime":791.34,"body":"And there's a lot of really"},{"speaker":"Joel Larsgaard","startTime":787.74,"endTime":791.34,"body":"smart DIY investors. It doesn't"},{"speaker":"Joel Larsgaard","startTime":791.34,"endTime":794.61,"body":"take just this massive amount of"},{"speaker":"Joel Larsgaard","startTime":791.34,"endTime":794.61,"body":"knowledge or someone holding"},{"speaker":"Joel Larsgaard","startTime":794.61,"endTime":797.22,"body":"your hand that charges you"},{"speaker":"Joel Larsgaard","startTime":794.61,"endTime":797.22,"body":"massive fees to figure it out."},{"speaker":"Joel Larsgaard","startTime":797.22,"endTime":801.33,"body":"And so simplicity is a huge"},{"speaker":"Joel Larsgaard","startTime":797.22,"endTime":801.33,"body":"part, a huge theme in our show."},{"speaker":"Joel Larsgaard","startTime":801.54,"endTime":803.88,"body":"And so yeah, that's that's one"},{"speaker":"Joel Larsgaard","startTime":801.54,"endTime":803.88,"body":"of my favorite books by J.L."},{"speaker":"Joel Larsgaard","startTime":803.88,"endTime":806.43,"body":"Collins The Simple Path to"},{"speaker":"Joel Larsgaard","startTime":803.88,"endTime":806.43,"body":"Wealth. Matt, your third one?"},{"speaker":"Matt Altmix","startTime":806.42,"endTime":808.88,"body":"Yeah. So I'll"},{"speaker":"Matt Altmix","startTime":806.42,"endTime":808.88,"body":"continue the investing theme."},{"speaker":"Matt Altmix","startTime":808.91,"endTime":812.39,"body":"And I'm kind of torn between"},{"speaker":"Matt Altmix","startTime":808.91,"endTime":812.39,"body":"like The Millionaire Real Estate"},{"speaker":"Matt Altmix","startTime":812.39,"endTime":815.42,"body":"Investor. I think that one's by,"},{"speaker":"Matt Altmix","startTime":812.39,"endTime":815.42,"body":"like one of the Keller, Keller"},{"speaker":"Matt Altmix","startTime":815.42,"endTime":818.84,"body":"Williams guys. That one was"},{"speaker":"Matt Altmix","startTime":815.42,"endTime":818.84,"body":"really important to me early on,"},{"speaker":"Matt Altmix","startTime":818.84,"endTime":821.63,"body":"just to understand real estate"},{"speaker":"Matt Altmix","startTime":818.84,"endTime":821.63,"body":"and essentially how to approach."},{"speaker":"Matt Altmix","startTime":821.84,"endTime":824.39,"body":"So hopefully, I think I'm going"},{"speaker":"Matt Altmix","startTime":821.84,"endTime":824.39,"body":"to about to spout out two of"},{"speaker":"Matt Altmix","startTime":824.39,"endTime":826.34,"body":"them here. Joel, you still get a"},{"speaker":"Matt Altmix","startTime":824.39,"endTime":826.34,"body":"second one."},{"speaker":"Jon Acuff","startTime":826.34,"endTime":828.95,"body":"Giving me a bit of a"},{"speaker":"Jon Acuff","startTime":826.34,"endTime":828.95,"body":"two-face, kinda?"},{"speaker":"Joel Larsgaard","startTime":830.42,"endTime":834.95,"body":"Gosh. For me,"},{"speaker":"Joel Larsgaard","startTime":830.42,"endTime":834.95,"body":"that one allowed me to see that"},{"speaker":"Joel Larsgaard","startTime":834.95,"endTime":837.47,"body":"when you invest in real estate,"},{"speaker":"Joel Larsgaard","startTime":834.95,"endTime":837.47,"body":"you don't do it to collect"},{"speaker":"Joel Larsgaard","startTime":837.47,"endTime":840.53,"body":"properties. You're not a"},{"speaker":"Joel Larsgaard","startTime":837.47,"endTime":840.53,"body":"collector, you're an investor."},{"speaker":"Joel Larsgaard","startTime":840.53,"endTime":842.69,"body":"And so what that means is making"},{"speaker":"Joel Larsgaard","startTime":840.53,"endTime":842.69,"body":"sure that you're looking at the"},{"speaker":"Joel Larsgaard","startTime":842.69,"endTime":845.48,"body":"numbers, because at the end of"},{"speaker":"Joel Larsgaard","startTime":842.69,"endTime":845.48,"body":"the day, it's less about how you"},{"speaker":"Joel Larsgaard","startTime":845.48,"endTime":848.54,"body":"feel about it. And it's more"},{"speaker":"Joel Larsgaard","startTime":845.48,"endTime":848.54,"body":"about the actual business of"},{"speaker":"Joel Larsgaard","startTime":848.54,"endTime":850.73,"body":"real estate. And so kind of"},{"speaker":"Joel Larsgaard","startTime":848.54,"endTime":850.73,"body":"related to that one, though, it"},{"speaker":"Joel Larsgaard","startTime":851.03,"endTime":854.12,"body":"also has to do with investing,"},{"speaker":"Joel Larsgaard","startTime":851.03,"endTime":854.12,"body":"but The Behavioral Investor by"},{"speaker":"Joel Larsgaard","startTime":854.12,"endTime":857.87,"body":"Daniel Crosby, I just thought"},{"speaker":"Joel Larsgaard","startTime":854.12,"endTime":857.87,"body":"was so good. He just attacks"},{"speaker":"Joel Larsgaard","startTime":857.99,"endTime":861.59,"body":"head on the fact that when it"},{"speaker":"Joel Larsgaard","startTime":857.99,"endTime":861.59,"body":"comes to investing, it's not"},{"speaker":"Joel Larsgaard","startTime":861.62,"endTime":864.98,"body":"about the numbers. And so this"},{"speaker":"Joel Larsgaard","startTime":861.62,"endTime":864.98,"body":"is sort of the two-faced answer"},{"speaker":"Joel Larsgaard","startTime":864.98,"endTime":867.83,"body":"that you're alluding to. Because"},{"speaker":"Joel Larsgaard","startTime":864.98,"endTime":867.83,"body":"you can know all the nuts and"},{"speaker":"Joel Larsgaard","startTime":867.83,"endTime":871.01,"body":"bolts, you can know how"},{"speaker":"Joel Larsgaard","startTime":867.83,"endTime":871.01,"body":"individual retirement accounts"},{"speaker":"Joel Larsgaard","startTime":871.01,"endTime":873.77,"body":"work. You can understand all the"},{"speaker":"Joel Larsgaard","startTime":871.01,"endTime":873.77,"body":"things that you're supposed to"},{"speaker":"Joel Larsgaard","startTime":873.77,"endTime":876.86,"body":"do. But if you don't do them,"},{"speaker":"Joel Larsgaard","startTime":873.77,"endTime":876.86,"body":"and if you're not taking the"},{"speaker":"Joel Larsgaard","startTime":876.86,"endTime":880.01,"body":"actions to ensure that you are"},{"speaker":"Joel Larsgaard","startTime":876.86,"endTime":880.01,"body":"doing the smart things, well, it"},{"speaker":"Joel Larsgaard","startTime":880.01,"endTime":882.29,"body":"doesn't matter. You can have all"},{"speaker":"Joel Larsgaard","startTime":880.01,"endTime":882.29,"body":"the knowledge in the world. If"},{"speaker":"Joel Larsgaard","startTime":882.29,"endTime":884.15,"body":"you're not acting on it, you're"},{"speaker":"Joel Larsgaard","startTime":882.29,"endTime":884.15,"body":"not gonna get anywhere."},{"speaker":"Jon Acuff","startTime":884.0,"endTime":885.98,"body":"I'm just gonna say"},{"speaker":"Jon Acuff","startTime":884.0,"endTime":885.98,"body":"that's when people ever tell me"},{"speaker":"Jon Acuff","startTime":885.98,"endTime":888.23,"body":"something is common sense, I"},{"speaker":"Jon Acuff","startTime":885.98,"endTime":888.23,"body":"always say \"Well, are you doing"},{"speaker":"Jon Acuff","startTime":888.23,"endTime":891.41,"body":"it?\" And if they say no, then"},{"speaker":"Jon Acuff","startTime":888.23,"endTime":891.41,"body":"that's the most amazing thing in"},{"speaker":"Jon Acuff","startTime":891.41,"endTime":895.34,"body":"the world you've ever heard. We"},{"speaker":"Jon Acuff","startTime":891.41,"endTime":895.34,"body":"all know, \"Okay, doing sit-ups"},{"speaker":"Jon Acuff","startTime":895.34,"endTime":897.89,"body":"is better than not doing"},{"speaker":"Jon Acuff","startTime":895.34,"endTime":897.89,"body":"sit-ups, but you shouldn't go,"},{"speaker":"Jon Acuff","startTime":898.13,"endTime":900.74,"body":"\"That's just common sense\" if"},{"speaker":"Jon Acuff","startTime":898.13,"endTime":900.74,"body":"you're not doing sit-ups. So I"},{"speaker":"Jon Acuff","startTime":900.77,"endTime":902.99,"body":"completely agree with that. I"},{"speaker":"Jon Acuff","startTime":900.77,"endTime":902.99,"body":"cut you off. What's book number"},{"speaker":"Jon Acuff","startTime":902.99,"endTime":904.46,"body":"four? I really like five-ish."},{"speaker":"Joel Larsgaard","startTime":904.75,"endTime":908.8,"body":"Yeah, no. Book"},{"speaker":"Joel Larsgaard","startTime":904.75,"endTime":908.8,"body":"number number four, five is The"},{"speaker":"Joel Larsgaard","startTime":908.8,"endTime":913.75,"body":"Psychology of Money by Morgan"},{"speaker":"Joel Larsgaard","startTime":908.8,"endTime":913.75,"body":"Housel. And so much of how we"},{"speaker":"Joel Larsgaard","startTime":913.78,"endTime":916.51,"body":"interact with our money has all"},{"speaker":"Joel Larsgaard","startTime":913.78,"endTime":916.51,"body":"these, like, there's all these"},{"speaker":"Joel Larsgaard","startTime":916.54,"endTime":920.86,"body":"ingrained patterns that leftover"},{"speaker":"Joel Larsgaard","startTime":916.54,"endTime":920.86,"body":"from childhood, or, you know,"},{"speaker":"Joel Larsgaard","startTime":920.89,"endTime":923.11,"body":"conversations we've had with our"},{"speaker":"Joel Larsgaard","startTime":920.89,"endTime":923.11,"body":"spouse, or the friends we've"},{"speaker":"Joel Larsgaard","startTime":923.11,"endTime":925.9,"body":"surrounded ourselves with. We"},{"speaker":"Joel Larsgaard","startTime":923.11,"endTime":925.9,"body":"have this idea or this vision of"},{"speaker":"Joel Larsgaard","startTime":925.9,"endTime":930.04,"body":"money and how hard or easy it is"},{"speaker":"Joel Larsgaard","startTime":925.9,"endTime":930.04,"body":"to make money. And I think, you"},{"speaker":"Joel Larsgaard","startTime":930.04,"endTime":932.86,"body":"know, a lot of those biases come"},{"speaker":"Joel Larsgaard","startTime":930.04,"endTime":932.86,"body":"into play with a lot of our"},{"speaker":"Joel Larsgaard","startTime":932.86,"endTime":936.58,"body":"spending decisions. Our brains"},{"speaker":"Joel Larsgaard","startTime":932.86,"endTime":936.58,"body":"get in the way. And so Morgan"},{"speaker":"Joel Larsgaard","startTime":936.58,"endTime":939.34,"body":"Housel does a great job in his"},{"speaker":"Joel Larsgaard","startTime":936.58,"endTime":939.34,"body":"book, The Psychology of Money,"},{"speaker":"Joel Larsgaard","startTime":939.34,"endTime":942.1,"body":"really kind of pinpointing some"},{"speaker":"Joel Larsgaard","startTime":939.34,"endTime":942.1,"body":"of those things to help you"},{"speaker":"Joel Larsgaard","startTime":942.1,"endTime":945.46,"body":"change, but also to he's a"},{"speaker":"Joel Larsgaard","startTime":942.1,"endTime":945.46,"body":"really good storyteller. So it's"},{"speaker":"Joel Larsgaard","startTime":945.46,"endTime":948.34,"body":"less just like nuts and bolts,"},{"speaker":"Joel Larsgaard","startTime":945.46,"endTime":948.34,"body":"like, do I have to, you know,"},{"speaker":"Joel Larsgaard","startTime":948.61,"endTime":952.81,"body":"learn interest rates and"},{"speaker":"Joel Larsgaard","startTime":948.61,"endTime":952.81,"body":"compounding rate of returns. He"},{"speaker":"Joel Larsgaard","startTime":952.81,"endTime":955.54,"body":"does a great job of telling"},{"speaker":"Joel Larsgaard","startTime":952.81,"endTime":955.54,"body":"these really great stories that"},{"speaker":"Joel Larsgaard","startTime":955.54,"endTime":956.53,"body":"help drive home the point."},{"speaker":"Jon Acuff","startTime":956.95,"endTime":959.44,"body":"I love it. I've only"},{"speaker":"Jon Acuff","startTime":956.95,"endTime":959.44,"body":"I have The Richest Man in"},{"speaker":"Jon Acuff","startTime":959.44,"endTime":961.6,"body":"Babylon, but I hadn't heard of"},{"speaker":"Jon Acuff","startTime":959.44,"endTime":961.6,"body":"those other ones. So that's a,"},{"speaker":"Jon Acuff","startTime":961.9,"endTime":964.57,"body":"that's a great list that I think"},{"speaker":"Jon Acuff","startTime":961.9,"endTime":964.57,"body":"is going to be helpful to a lot"},{"speaker":"Jon Acuff","startTime":964.57,"endTime":967.09,"body":"of people. And we're already at"},{"speaker":"Jon Acuff","startTime":964.57,"endTime":967.09,"body":"question number five, which is"},{"speaker":"Jon Acuff","startTime":967.09,"endTime":970.54,"body":"why this is so fun, and so fast."},{"speaker":"Jon Acuff","startTime":967.09,"endTime":970.54,"body":"So I want to shift for a second"},{"speaker":"Jon Acuff","startTime":970.54,"endTime":973.93,"body":"your podcast How to Money is"},{"speaker":"Jon Acuff","startTime":970.54,"endTime":973.93,"body":"blowing up. We'll certainly link"},{"speaker":"Jon Acuff","startTime":973.93,"endTime":977.17,"body":"to it in the show notes. 20"},{"speaker":"Jon Acuff","startTime":973.93,"endTime":977.17,"body":"million downloads since 2018,"},{"speaker":"Jon Acuff","startTime":977.17,"endTime":980.89,"body":"which is crazy. And I talk about"},{"speaker":"Jon Acuff","startTime":977.17,"endTime":980.89,"body":"goals a lot in this podcast,"},{"speaker":"Jon Acuff","startTime":980.89,"endTime":983.56,"body":"it's right there in the name."},{"speaker":"Jon Acuff","startTime":980.89,"endTime":983.56,"body":"That's a huge goal you've"},{"speaker":"Jon Acuff","startTime":983.56,"endTime":986.14,"body":"accomplished and you're"},{"speaker":"Jon Acuff","startTime":983.56,"endTime":986.14,"body":"continuing to build, continuing"},{"speaker":"Jon Acuff","startTime":986.14,"endTime":988.93,"body":"to grow it. What were the steps"},{"speaker":"Jon Acuff","startTime":986.14,"endTime":988.93,"body":"that helped you the most. Maybe"},{"speaker":"Jon Acuff","startTime":988.93,"endTime":991.27,"body":"I'm listening to this and I'm"},{"speaker":"Jon Acuff","startTime":988.93,"endTime":991.27,"body":"going, \"Oh, wow, these guys"},{"speaker":"Jon Acuff","startTime":991.27,"endTime":994.27,"body":"clearly have a passion for this."},{"speaker":"Jon Acuff","startTime":991.27,"endTime":994.27,"body":"They clearly have spent a lot of"},{"speaker":"Jon Acuff","startTime":994.27,"endTime":997.42,"body":"time building expertise. And I"},{"speaker":"Jon Acuff","startTime":994.27,"endTime":997.42,"body":"want to do a podcast too. Or I"},{"speaker":"Jon Acuff","startTime":997.42,"endTime":999.76,"body":"want to do a book too.\" Like,"},{"speaker":"Jon Acuff","startTime":997.42,"endTime":999.76,"body":"what were the steps that helped"},{"speaker":"Jon Acuff","startTime":999.76,"endTime":1000.36,"body":"you the most?"},{"speaker":"Joel Larsgaard","startTime":1000.54,"endTime":1003.03,"body":"I would say the"},{"speaker":"Joel Larsgaard","startTime":1000.54,"endTime":1003.03,"body":"number one thing, consistency."},{"speaker":"Jon Acuff","startTime":1003.48,"endTime":1006.33,"body":"People hate that"},{"speaker":"Jon Acuff","startTime":1003.48,"endTime":1006.33,"body":"word. I was afraid you were I"},{"speaker":"Jon Acuff","startTime":1006.33,"endTime":1009.27,"body":"was hoping you were gonna say \"A"},{"speaker":"Jon Acuff","startTime":1006.33,"endTime":1009.27,"body":"magic thing I bought on the"},{"speaker":"Jon Acuff","startTime":1009.27,"endTime":1010.56,"body":"internet from a genie.\""},{"speaker":"Joel Larsgaard","startTime":1010.62,"endTime":1011.28,"body":"Pure talent."},{"speaker":"Jon Acuff","startTime":1011.79,"endTime":1014.07,"body":"Pure talent. I just"},{"speaker":"Jon Acuff","startTime":1011.79,"endTime":1014.07,"body":"showed up and I was handsome. It"},{"speaker":"Jon Acuff","startTime":1014.28,"endTime":1015.3,"body":"all worked out."},{"speaker":"Matt Altmix","startTime":1015.48,"endTime":1017.55,"body":"No, I mean this and"},{"speaker":"Matt Altmix","startTime":1015.48,"endTime":1017.55,"body":"this is something I'll credit"},{"speaker":"Matt Altmix","startTime":1017.55,"endTime":1021.24,"body":"Joel with. So early on, we had"},{"speaker":"Matt Altmix","startTime":1017.55,"endTime":1021.24,"body":"the ideas to, you know, to"},{"speaker":"Matt Altmix","startTime":1021.24,"endTime":1024.66,"body":"create this podcast. Anytime we"},{"speaker":"Matt Altmix","startTime":1021.24,"endTime":1024.66,"body":"got together. I mean, anyway,"},{"speaker":"Matt Altmix","startTime":1024.66,"endTime":1028.08,"body":"we're sitting down cracking open"},{"speaker":"Matt Altmix","startTime":1024.66,"endTime":1028.08,"body":"a craft beer. Every episode on"},{"speaker":"Matt Altmix","startTime":1028.08,"endTime":1030.66,"body":"our show, we have a craft beer"},{"speaker":"Matt Altmix","startTime":1028.08,"endTime":1030.66,"body":"because it's for us. It's a way"},{"speaker":"Matt Altmix","startTime":1030.66,"endTime":1034.11,"body":"to symbolize that we're not"},{"speaker":"Matt Altmix","startTime":1030.66,"endTime":1034.11,"body":"sacrificing too much. Now we're"},{"speaker":"Matt Altmix","startTime":1034.11,"endTime":1037.17,"body":"enjoying life a little bit right"},{"speaker":"Matt Altmix","startTime":1034.11,"endTime":1037.17,"body":"now. It's not all about"},{"speaker":"Matt Altmix","startTime":1037.2,"endTime":1038.25,"body":"deprivation. Right?"},{"speaker":"Jon Acuff","startTime":1038.25,"endTime":1040.29,"body":"How did you come up"},{"speaker":"Jon Acuff","startTime":1038.25,"endTime":1040.29,"body":"with that? Did you do it once"},{"speaker":"Jon Acuff","startTime":1040.29,"endTime":1042.24,"body":"and you're like, \"Wait, this was"},{"speaker":"Jon Acuff","startTime":1040.29,"endTime":1042.24,"body":"dope.\" And then you started to"},{"speaker":"Jon Acuff","startTime":1042.24,"endTime":1042.69,"body":"do it again?"},{"speaker":"Jon Acuff","startTime":1042.67,"endTime":1045.85,"body":"I think so. I mean, we just"},{"speaker":"Jon Acuff","startTime":1042.67,"endTime":1045.85,"body":"really like beer, man. We did"},{"speaker":"Jon Acuff","startTime":1045.85,"endTime":1046.99,"body":"like that craft beer."},{"speaker":"Matt Altmix","startTime":1046.0,"endTime":1047.98,"body":"That's what we did"},{"speaker":"Matt Altmix","startTime":1046.0,"endTime":1047.98,"body":"before we started creating the"},{"speaker":"Matt Altmix","startTime":1047.98,"endTime":1049.9,"body":"podcast was we would talk about"},{"speaker":"Matt Altmix","startTime":1047.98,"endTime":1049.9,"body":"money and have beer. And so it"},{"speaker":"Matt Altmix","startTime":1049.9,"endTime":1053.17,"body":"was just this natural, natural,"},{"speaker":"Matt Altmix","startTime":1049.9,"endTime":1053.17,"body":"natural thing. It's like let's"},{"speaker":"Matt Altmix","startTime":1053.17,"endTime":1053.98,"body":"translate it to audio."},{"speaker":"Jon Acuff","startTime":1054.2,"endTime":1056.51,"body":"How many of those"},{"speaker":"Jon Acuff","startTime":1054.2,"endTime":1056.51,"body":"have been hazy IPAs in the last"},{"speaker":"Jon Acuff","startTime":1056.51,"endTime":1056.96,"body":"six months?"},{"speaker":"Matt Altmix","startTime":1056.96,"endTime":1059.69,"body":"Oh, shut up! Way"},{"speaker":"Matt Altmix","startTime":1056.96,"endTime":1059.69,"body":"too many. 80% of them at this"},{"speaker":"Matt Altmix","startTime":1059.69,"endTime":1059.81,"body":"point."},{"speaker":"Jon Acuff","startTime":1060.11,"endTime":1062.57,"body":"Do you feel like we"},{"speaker":"Jon Acuff","startTime":1060.11,"endTime":1062.57,"body":"have enough hazy IPAs?"},{"speaker":"Matt Altmix","startTime":1062.53,"endTime":1064.81,"body":"No."},{"speaker":"Joel Larsgaard","startTime":1063.92,"endTime":1065.66,"body":"They're so good!"},{"speaker":"Matt Altmix","startTime":1065.66,"endTime":1067.49,"body":"You're up there in"},{"speaker":"Matt Altmix","startTime":1065.66,"endTime":1067.49,"body":"Nashville, you've got plenty of"},{"speaker":"Matt Altmix","startTime":1067.76,"endTime":1068.72,"body":"great breweries who are making"},{"speaker":"Matt Altmix","startTime":1067.76,"endTime":1068.72,"body":"those as well."},{"speaker":"Jon Acuff","startTime":1068.42,"endTime":1070.4,"body":"It's not great up"},{"speaker":"Jon Acuff","startTime":1068.42,"endTime":1070.4,"body":"here. We don't have Total Wine,"},{"speaker":"Jon Acuff","startTime":1070.43,"endTime":1072.62,"body":"Total Beer and Wine like you"},{"speaker":"Jon Acuff","startTime":1070.43,"endTime":1072.62,"body":"guys have in Atlanta. You guys"},{"speaker":"Jon Acuff","startTime":1072.62,"endTime":1076.43,"body":"have massive Walmart, like beer"},{"speaker":"Jon Acuff","startTime":1072.62,"endTime":1076.43,"body":"selections. We have seven beers"},{"speaker":"Jon Acuff","startTime":1076.43,"endTime":1076.91,"body":"available."},{"speaker":"Joel Larsgaard","startTime":1077.63,"endTime":1078.62,"body":"Move on down the"},{"speaker":"Joel Larsgaard","startTime":1077.63,"endTime":1078.62,"body":"water's nice."},{"speaker":"Matt Altmix","startTime":1079.32,"endTime":1080.67,"body":"But, so I want to"},{"speaker":"Matt Altmix","startTime":1079.32,"endTime":1080.67,"body":"continue that thought, though."},{"speaker":"Matt Altmix","startTime":1080.67,"endTime":1083.7,"body":"So early on. I mean, we created"},{"speaker":"Matt Altmix","startTime":1080.67,"endTime":1083.7,"body":"a few of those episodes, Joel"},{"speaker":"Matt Altmix","startTime":1083.7,"endTime":1085.98,"body":"and I, we sat down, we had a"},{"speaker":"Matt Altmix","startTime":1083.7,"endTime":1085.98,"body":"conversation and I credit Joel"},{"speaker":"Matt Altmix","startTime":1085.98,"endTime":1088.47,"body":"with this. And he said, \"You"},{"speaker":"Matt Altmix","startTime":1085.98,"endTime":1088.47,"body":"know what? Like, we need to make"},{"speaker":"Matt Altmix","startTime":1088.47,"endTime":1090.72,"body":"sure that we're consistent. That"},{"speaker":"Matt Altmix","startTime":1088.47,"endTime":1090.72,"body":"way, if we're actually going to"},{"speaker":"Matt Altmix","startTime":1090.72,"endTime":1092.94,"body":"give this thing a chance, we"},{"speaker":"Matt Altmix","startTime":1090.72,"endTime":1092.94,"body":"need to be consistent. We need"},{"speaker":"Matt Altmix","startTime":1092.94,"endTime":1095.97,"body":"to look like that we are being"},{"speaker":"Matt Altmix","startTime":1092.94,"endTime":1095.97,"body":"serious about this. It needs to"},{"speaker":"Matt Altmix","startTime":1095.97,"endTime":1098.64,"body":"look like that we're serious"},{"speaker":"Matt Altmix","startTime":1095.97,"endTime":1098.64,"body":"enough about this, that"},{"speaker":"Matt Altmix","startTime":1098.64,"endTime":1100.98,"body":"listeners will want to listen.\""},{"speaker":"Matt Altmix","startTime":1098.64,"endTime":1100.98,"body":"And I would have been content"},{"speaker":"Matt Altmix","startTime":1100.98,"endTime":1103.05,"body":"with just like, \"Yeah, that"},{"speaker":"Matt Altmix","startTime":1100.98,"endTime":1103.05,"body":"maybe let's record one, then"},{"speaker":"Matt Altmix","startTime":1103.05,"endTime":1105.84,"body":"maybe in a couple weeks, we'll"},{"speaker":"Matt Altmix","startTime":1103.05,"endTime":1105.84,"body":"record another one.\" And early"},{"speaker":"Matt Altmix","startTime":1105.84,"endTime":1108.27,"body":"on we're like, okay, let's let's"},{"speaker":"Matt Altmix","startTime":1105.84,"endTime":1108.27,"body":"stick with a once a week. And"},{"speaker":"Matt Altmix","startTime":1108.27,"endTime":1111.24,"body":"you know, so that's how we"},{"speaker":"Matt Altmix","startTime":1108.27,"endTime":1111.24,"body":"started early on. You know, I"},{"speaker":"Matt Altmix","startTime":1111.24,"endTime":1113.46,"body":"think you were like, yeah, we"},{"speaker":"Matt Altmix","startTime":1111.24,"endTime":1113.46,"body":"don't want to be bush league,"},{"speaker":"Matt Altmix","startTime":1113.49,"endTime":1113.88,"body":"you know."},{"speaker":"Joel Larsgaard","startTime":1114.65,"endTime":1116.27,"body":"Triple A, that"},{"speaker":"Joel Larsgaard","startTime":1114.65,"endTime":1116.27,"body":"was kind of our mindset. Like,"},{"speaker":"Joel Larsgaard","startTime":1116.27,"endTime":1118.67,"body":"let's be triple A, let's be"},{"speaker":"Joel Larsgaard","startTime":1116.27,"endTime":1118.67,"body":"good. Let's be professionals"},{"speaker":"Joel Larsgaard","startTime":1118.82,"endTime":1120.77,"body":"about this. Like, we don't have"},{"speaker":"Joel Larsgaard","startTime":1118.82,"endTime":1120.77,"body":"to knock it out of the park,"},{"speaker":"Joel Larsgaard","startTime":1120.77,"endTime":1123.5,"body":"have the fanciest microphones."},{"speaker":"Joel Larsgaard","startTime":1120.77,"endTime":1123.5,"body":"But yeah, we did need to be"},{"speaker":"Joel Larsgaard","startTime":1123.53,"endTime":1125.9,"body":"consistent, and we needed to be"},{"speaker":"Joel Larsgaard","startTime":1123.53,"endTime":1125.9,"body":"solid. And I think like, yeah,"},{"speaker":"Joel Larsgaard","startTime":1125.9,"endTime":1128.03,"body":"one of the other major things"},{"speaker":"Joel Larsgaard","startTime":1125.9,"endTime":1128.03,"body":"for us was listen to the"},{"speaker":"Joel Larsgaard","startTime":1128.03,"endTime":1130.58,"body":"feedback that we're getting,"},{"speaker":"Joel Larsgaard","startTime":1128.03,"endTime":1130.58,"body":"like some of those early"},{"speaker":"Joel Larsgaard","startTime":1130.58,"endTime":1134.6,"body":"reviews, especially the one"},{"speaker":"Joel Larsgaard","startTime":1130.58,"endTime":1134.6,"body":"stars, were the most helpful and"},{"speaker":"Joel Larsgaard","startTime":1134.6,"endTime":1135.95,"body":"helping us like hone what we"},{"speaker":"Joel Larsgaard","startTime":1134.6,"endTime":1135.95,"body":"wanted to do."},{"speaker":"Jon Acuff","startTime":1135.95,"endTime":1136.52,"body":"Oh, you guys read"},{"speaker":"Jon Acuff","startTime":1135.95,"endTime":1136.52,"body":"them?"},{"speaker":"Matt Altmix","startTime":1136.82,"endTime":1139.13,"body":"Dude, so they tell"},{"speaker":"Matt Altmix","startTime":1136.82,"endTime":1139.13,"body":"you not to read the reviews. But"},{"speaker":"Matt Altmix","startTime":1139.13,"endTime":1142.91,"body":"early on. I mean, we were"},{"speaker":"Matt Altmix","startTime":1139.13,"endTime":1142.91,"body":"willing to, yeah, to face the"},{"speaker":"Matt Altmix","startTime":1142.91,"endTime":1143.33,"body":"crowds"},{"speaker":"Joel Larsgaard","startTime":1143.33,"endTime":1145.82,"body":"The one star"},{"speaker":"Joel Larsgaard","startTime":1143.33,"endTime":1145.82,"body":"reviews now are just incredibly"},{"speaker":"Joel Larsgaard","startTime":1145.82,"endTime":1149.0,"body":"different, right? Like they they"},{"speaker":"Joel Larsgaard","startTime":1145.82,"endTime":1149.0,"body":"do, they do bum me out. But"},{"speaker":"Joel Larsgaard","startTime":1149.03,"endTime":1152.69,"body":"they're, they're less, I think"},{"speaker":"Joel Larsgaard","startTime":1149.03,"endTime":1152.69,"body":"constructive. Like they're more"},{"speaker":"Joel Larsgaard","startTime":1152.69,"endTime":1154.82,"body":"just like, \"Really don't like"},{"speaker":"Joel Larsgaard","startTime":1152.69,"endTime":1154.82,"body":"these guys not gonna listen"},{"speaker":"Joel Larsgaard","startTime":1154.82,"endTime":1156.8,"body":"again.\" And I'm like, that's"},{"speaker":"Joel Larsgaard","startTime":1154.82,"endTime":1156.8,"body":"okay. Like, there are people"},{"speaker":"Joel Larsgaard","startTime":1156.8,"endTime":1157.79,"body":"that our show's not for."},{"speaker":"Matt Altmix","startTime":1157.85,"endTime":1158.33,"body":"Not your jam."},{"speaker":"Joel Larsgaard","startTime":1158.36,"endTime":1161.15,"body":"Yeah. But early"},{"speaker":"Joel Larsgaard","startTime":1158.36,"endTime":1161.15,"body":"on, it was like, \"Man, if these"},{"speaker":"Joel Larsgaard","startTime":1161.15,"endTime":1163.52,"body":"guys will just do this, this and"},{"speaker":"Joel Larsgaard","startTime":1161.15,"endTime":1163.52,"body":"this, this show would actually"},{"speaker":"Joel Larsgaard","startTime":1163.52,"endTime":1166.88,"body":"not suck.\" And so like I tried"},{"speaker":"Joel Larsgaard","startTime":1163.52,"endTime":1166.88,"body":"to learn from those things. It"},{"speaker":"Joel Larsgaard","startTime":1166.88,"endTime":1169.4,"body":"was certainly like there's"},{"speaker":"Joel Larsgaard","startTime":1166.88,"endTime":1169.4,"body":"either don't look at them at"},{"speaker":"Joel Larsgaard","startTime":1169.4,"endTime":1173.06,"body":"all, or let them completely ruin"},{"speaker":"Joel Larsgaard","startTime":1169.4,"endTime":1173.06,"body":"your day. But then there's also"},{"speaker":"Joel Larsgaard","startTime":1173.09,"endTime":1175.82,"body":"actually there's really"},{"speaker":"Joel Larsgaard","startTime":1173.09,"endTime":1175.82,"body":"important bits, there was a lot"},{"speaker":"Joel Larsgaard","startTime":1175.82,"endTime":1178.01,"body":"of change that we made to the"},{"speaker":"Joel Larsgaard","startTime":1175.82,"endTime":1178.01,"body":"podcast early on, when some of"},{"speaker":"Joel Larsgaard","startTime":1178.01,"endTime":1180.35,"body":"those reviews came in, that made"},{"speaker":"Joel Larsgaard","startTime":1178.01,"endTime":1180.35,"body":"it way better."},{"speaker":"Matt Altmix","startTime":1180.38,"endTime":1181.7,"body":"Yeah, we suck less"},{"speaker":"Matt Altmix","startTime":1180.38,"endTime":1181.7,"body":"now."},{"speaker":"Jon Acuff","startTime":1182.92,"endTime":1186.13,"body":"I'll write that down."},{"speaker":"Jon Acuff","startTime":1182.92,"endTime":1186.13,"body":"So I took consistency, craft"},{"speaker":"Jon Acuff","startTime":1186.13,"endTime":1189.79,"body":"brew and suck less. Suck less. A"},{"speaker":"Jon Acuff","startTime":1186.13,"endTime":1189.79,"body":"lot of business books don't tell"},{"speaker":"Jon Acuff","startTime":1189.79,"endTime":1190.12,"body":"you that."},{"speaker":"Joel Larsgaard","startTime":1190.15,"endTime":1191.89,"body":"Yeah, it's"},{"speaker":"Joel Larsgaard","startTime":1190.15,"endTime":1191.89,"body":"that's that's key. That's key."},{"speaker":"Jon Acuff","startTime":1192.1,"endTime":1194.77,"body":"Reading the reviews."},{"speaker":"Jon Acuff","startTime":1192.1,"endTime":1194.77,"body":"You're so right. I think"},{"speaker":"Jon Acuff","startTime":1194.92,"endTime":1198.76,"body":"especially if it's constructive."},{"speaker":"Jon Acuff","startTime":1194.92,"endTime":1198.76,"body":"If it's \"I hate your hair.\" This"},{"speaker":"Jon Acuff","startTime":1198.76,"endTime":1202.21,"body":"is the hair I have. Like this Is"},{"speaker":"Jon Acuff","startTime":1198.76,"endTime":1202.21,"body":"my head. It's like a 2008 youth"},{"speaker":"Jon Acuff","startTime":1202.21,"endTime":1205.78,"body":"minister. I can't, it's what I"},{"speaker":"Jon Acuff","startTime":1202.21,"endTime":1205.78,"body":"got going. But if it's"},{"speaker":"Jon Acuff","startTime":1205.78,"endTime":1208.27,"body":"constructive, and they say, \"I"},{"speaker":"Jon Acuff","startTime":1205.78,"endTime":1208.27,"body":"wish they talked about this, or"},{"speaker":"Jon Acuff","startTime":1208.3,"endTime":1211.36,"body":"they talked too much over the"},{"speaker":"Jon Acuff","startTime":1208.3,"endTime":1211.36,"body":"guests\" like, yeah, that's,"},{"speaker":"Jon Acuff","startTime":1211.39,"endTime":1214.42,"body":"that's a good point. I did do"},{"speaker":"Jon Acuff","startTime":1211.39,"endTime":1214.42,"body":"that. So these are awesome,"},{"speaker":"Jon Acuff","startTime":1214.42,"endTime":1217.51,"body":"guys. You know, the last kind of"},{"speaker":"Jon Acuff","startTime":1214.42,"endTime":1217.51,"body":"bonus question is, where can"},{"speaker":"Jon Acuff","startTime":1217.51,"endTime":1220.78,"body":"people find out more about you?"},{"speaker":"Jon Acuff","startTime":1217.51,"endTime":1220.78,"body":"We'll definitely link to the"},{"speaker":"Jon Acuff","startTime":1220.81,"endTime":1223.78,"body":"podcast, How to Money. But if"},{"speaker":"Jon Acuff","startTime":1220.81,"endTime":1223.78,"body":"people are saying \"Okay, I'm"},{"speaker":"Jon Acuff","startTime":1223.78,"endTime":1226.51,"body":"interested in Joel and Matt\""},{"speaker":"Jon Acuff","startTime":1223.78,"endTime":1226.51,"body":"like, where do they go?"},{"speaker":"Joel Larsgaard","startTime":1226.54,"endTime":1228.97,"body":"So yeah, just"},{"speaker":"Joel Larsgaard","startTime":1226.54,"endTime":1228.97,"body":"HowToMoney.com. We got a"},{"speaker":"Joel Larsgaard","startTime":1228.97,"endTime":1231.61,"body":"website. We have articles up"},{"speaker":"Joel Larsgaard","startTime":1228.97,"endTime":1231.61,"body":"there too and all of our"},{"speaker":"Joel Larsgaard","startTime":1231.61,"endTime":1233.53,"body":"episodes, but yeah, you can"},{"speaker":"Joel Larsgaard","startTime":1231.61,"endTime":1233.53,"body":"listen to us, wherever you're"},{"speaker":"Joel Larsgaard","startTime":1233.53,"endTime":1237.34,"body":"listening to this podcast, check"},{"speaker":"Joel Larsgaard","startTime":1233.53,"endTime":1237.34,"body":"it out. We'd love to have you in"},{"speaker":"Joel Larsgaard","startTime":1237.34,"endTime":1239.59,"body":"the How to Money community. We"},{"speaker":"Joel Larsgaard","startTime":1237.34,"endTime":1239.59,"body":"also have like a Facebook group,"},{"speaker":"Joel Larsgaard","startTime":1239.65,"endTime":1242.41,"body":"people can join. They're helping"},{"speaker":"Joel Larsgaard","startTime":1239.65,"endTime":1242.41,"body":"each other out too, which is one"},{"speaker":"Joel Larsgaard","startTime":1242.41,"endTime":1245.77,"body":"of the cool parts to see our"},{"speaker":"Joel Larsgaard","startTime":1242.41,"endTime":1245.77,"body":"listeners, like really jump in"},{"speaker":"Joel Larsgaard","startTime":1245.8,"endTime":1248.44,"body":"and take care of one another in"},{"speaker":"Joel Larsgaard","startTime":1245.8,"endTime":1248.44,"body":"their money questions."},{"speaker":"Jon Acuff","startTime":1248.83,"endTime":1251.47,"body":"Great, great. And"},{"speaker":"Jon Acuff","startTime":1248.83,"endTime":1251.47,"body":"last thing I wanted to give you"},{"speaker":"Jon Acuff","startTime":1251.47,"endTime":1255.58,"body":"kudos, congrats on iHeartMedia."},{"speaker":"Jon Acuff","startTime":1251.47,"endTime":1255.58,"body":"That's been huge. Like, I don't"},{"speaker":"Jon Acuff","startTime":1255.58,"endTime":1259.12,"body":"want to miss that as an"},{"speaker":"Jon Acuff","startTime":1255.58,"endTime":1259.12,"body":"accomplishment that you built up"},{"speaker":"Jon Acuff","startTime":1259.12,"endTime":1262.39,"body":"something awesome and they came"},{"speaker":"Jon Acuff","startTime":1259.12,"endTime":1262.39,"body":"in and said, \"Hey, we love what"},{"speaker":"Jon Acuff","startTime":1262.39,"endTime":1265.84,"body":"you're doing.\" So kudos on that."},{"speaker":"Jon Acuff","startTime":1262.39,"endTime":1265.84,"body":"It's always great to be"},{"speaker":"Jon Acuff","startTime":1265.84,"endTime":1267.43,"body":"connected to a big brand like"},{"speaker":"Jon Acuff","startTime":1265.84,"endTime":1267.43,"body":"iHeart."},{"speaker":"Joel Larsgaard","startTime":1267.52,"endTime":1268.0,"body":"Thanks, man."},{"speaker":"Matt Altmix","startTime":1268.0,"endTime":1269.59,"body":"Yeah, they've been"},{"speaker":"Matt Altmix","startTime":1268.0,"endTime":1269.59,"body":"they've been incredible to work"},{"speaker":"Matt Altmix","startTime":1269.59,"endTime":1271.0,"body":"with us for sure. They've been"},{"speaker":"Matt Altmix","startTime":1269.59,"endTime":1271.0,"body":"good to us."},{"speaker":"Jon Acuff","startTime":1271.24,"endTime":1273.16,"body":"Perfect. Perfect."},{"speaker":"Jon Acuff","startTime":1271.24,"endTime":1273.16,"body":"Well, guys, thanks for joining"},{"speaker":"Jon Acuff","startTime":1273.16,"endTime":1276.16,"body":"me today. Can't wait to share"},{"speaker":"Jon Acuff","startTime":1273.16,"endTime":1276.16,"body":"this episode with folks. And"},{"speaker":"Jon Acuff","startTime":1276.16,"endTime":1279.64,"body":"remember, all it takes is a"},{"speaker":"Jon Acuff","startTime":1276.16,"endTime":1279.64,"body":"goal. I'll see you next week."},{"speaker":"Jon Acuff","startTime":1288.7,"endTime":1291.88,"body":"This episode of the podcast was"},{"speaker":"Jon Acuff","startTime":1288.7,"endTime":1291.88,"body":"brought to you by Medi-Share."},{"speaker":"Jon Acuff","startTime":1292.06,"endTime":1297.85,"body":"Text JON, J-O-N to 474747 for"},{"speaker":"Jon Acuff","startTime":1292.06,"endTime":1297.85,"body":"more information. Huge thank you"},{"speaker":"Jon Acuff","startTime":1297.85,"endTime":1303.04,"body":"to Medi-Share for sponsoring it."},{"speaker":"Jon Acuff","startTime":1297.85,"endTime":1303.04,"body":"J-O-N to 474747."},{"speaker":"Producer","startTime":1304.21,"endTime":1306.88,"body":"Thanks for listening."},{"speaker":"Producer","startTime":1304.21,"endTime":1306.88,"body":"To learn more about the All It"},{"speaker":"Producer","startTime":1306.88,"endTime":1309.82,"body":"Takes Is A Goal podcast and to"},{"speaker":"Producer","startTime":1306.88,"endTime":1309.82,"body":"get access to today's show"},{"speaker":"Producer","startTime":1309.82,"endTime":1313.33,"body":"notes, transcript, and exclusive"},{"speaker":"Producer","startTime":1309.82,"endTime":1313.33,"body":"content from Jon Acuff, visit"},{"speaker":"Producer","startTime":1313.36,"endTime":1318.64,"body":"Acuff.me/podcast. Thanks again"},{"speaker":"Producer","startTime":1313.36,"endTime":1318.64,"body":"for joining us. Be sure to tune"},{"speaker":"Producer","startTime":1318.64,"endTime":1321.58,"body":"in next week for another episode"},{"speaker":"Producer","startTime":1318.64,"endTime":1321.58,"body":"of the All It Takes Is A Goal"},{"speaker":"Producer","startTime":1321.58,"endTime":1322.6,"body":"podcast.o tune in next week for"},{"speaker":"Producer","startTime":1321.58,"endTime":1322.6,"body":"another episode of the All it"},{"speaker":"Producer","startTime":1325.72,"endTime":1326.23,"body":"takes is a goal podcast"}]}