{"version":"1.0.0","segments":[{"speaker":"Josh Bolton","startTime":0.0,"endTime":2.34,"body":"Trading contracts."},{"speaker":"Josh Bolton","startTime":0.0,"endTime":2.34,"body":"Are you trading options?"},{"speaker":"Unknown","startTime":4.2,"endTime":10.11,"body":"contracts on futures?"},{"speaker":"Unknown","startTime":4.2,"endTime":10.11,"body":"Yeah, but I'm basically the s\u0026p"},{"speaker":"Unknown","startTime":10.11,"endTime":10.77,"body":"500."},{"speaker":"Josh Bolton","startTime":12.24,"endTime":18.06,"body":"Wow. Okay. That's"},{"speaker":"Josh Bolton","startTime":12.24,"endTime":18.06,"body":"cool. That's cool. I mean, I"},{"speaker":"Josh Bolton","startTime":18.06,"endTime":21.9,"body":"trade options. I do you know,"},{"speaker":"Josh Bolton","startTime":18.06,"endTime":21.9,"body":"Ken Roberts, the option trader"},{"speaker":"Josh Bolton","startTime":21.9,"endTime":28.44,"body":"from the 90s. No. Dude made like"},{"speaker":"Josh Bolton","startTime":21.9,"endTime":28.44,"body":"hundreds of millions of dollars"},{"speaker":"Josh Bolton","startTime":28.44,"endTime":30.99,"body":"off the futures market. He"},{"speaker":"Josh Bolton","startTime":28.44,"endTime":30.99,"body":"showed me his tricks of options"},{"speaker":"Josh Bolton","startTime":30.99,"endTime":33.15,"body":"too. So"},{"speaker":"Unknown","startTime":33.18,"endTime":36.6,"body":"wow, that's cool. Yeah,"},{"speaker":"Unknown","startTime":33.18,"endTime":36.6,"body":"that's because I've been doing"},{"speaker":"Unknown","startTime":36.63,"endTime":37.62,"body":"options last year."},{"speaker":"Josh Bolton","startTime":38.31,"endTime":40.56,"body":"Okay. Yeah. Yeah."},{"speaker":"Unknown","startTime":42.15,"endTime":45.09,"body":"But after Russia"},{"speaker":"Unknown","startTime":42.15,"endTime":45.09,"body":"invaded Ukraine options kind of"},{"speaker":"Unknown","startTime":45.09,"endTime":48.54,"body":"got a little stressful because I"},{"speaker":"Unknown","startTime":45.09,"endTime":48.54,"body":"was doing the iron condors,"},{"speaker":"Unknown","startTime":48.96,"endTime":53.07,"body":"which was a spread. And so the"},{"speaker":"Unknown","startTime":48.96,"endTime":53.07,"body":"price had to stay in between two"},{"speaker":"Unknown","startTime":53.07,"endTime":56.79,"body":"points. And so the market got"},{"speaker":"Unknown","startTime":53.07,"endTime":56.79,"body":"very volatile. And so I was"},{"speaker":"Unknown","startTime":56.79,"endTime":59.64,"body":"like, No, I need something else."},{"speaker":"Unknown","startTime":56.79,"endTime":59.64,"body":"So that's what moved me over to"},{"speaker":"Unknown","startTime":59.64,"endTime":62.91,"body":"futures, which was just"},{"speaker":"Unknown","startTime":59.64,"endTime":62.91,"body":"wonderful. I don't care if the"},{"speaker":"Unknown","startTime":62.91,"endTime":67.47,"body":"market goes up or down. I make"},{"speaker":"Unknown","startTime":62.91,"endTime":67.47,"body":"money either way. So it's a"},{"speaker":"Josh Bolton","startTime":67.5,"endTime":69.09,"body":"you'll have to"},{"speaker":"Josh Bolton","startTime":67.5,"endTime":69.09,"body":"listen to news, you just look at"},{"speaker":"Josh Bolton","startTime":69.09,"endTime":70.74,"body":"charts and be like, Alright, it"},{"speaker":"Josh Bolton","startTime":69.09,"endTime":70.74,"body":"looks like it's going down"},{"speaker":"Josh Bolton","startTime":70.74,"endTime":71.07,"body":"today."},{"speaker":"Unknown","startTime":72.03,"endTime":76.47,"body":"Yeah, I actually. So I"},{"speaker":"Unknown","startTime":72.03,"endTime":76.47,"body":"actually built a bot, to measure"},{"speaker":"Unknown","startTime":76.47,"endTime":79.23,"body":"the market for me. So I just do"},{"speaker":"Unknown","startTime":76.47,"endTime":79.23,"body":"whatever the bot says."},{"speaker":"Josh Bolton","startTime":81.09,"endTime":82.74,"body":"Python, or?"},{"speaker":"Unknown","startTime":83.97,"endTime":89.43,"body":"No. So in Ninja Trader,"},{"speaker":"Unknown","startTime":83.97,"endTime":89.43,"body":"Ninja has their own little"},{"speaker":"Unknown","startTime":89.43,"endTime":93.48,"body":"script that you can modify. And"},{"speaker":"Unknown","startTime":89.43,"endTime":93.48,"body":"so you can basically say, like,"},{"speaker":"Unknown","startTime":93.48,"endTime":96.39,"body":"hey, based on these indicators,"},{"speaker":"Unknown","startTime":93.48,"endTime":96.39,"body":"and these parameters, this price"},{"speaker":"Unknown","startTime":96.39,"endTime":100.44,"body":"point, if all of these things"},{"speaker":"Unknown","startTime":96.39,"endTime":100.44,"body":"match up in this formula, then"},{"speaker":"Unknown","startTime":100.47,"endTime":103.92,"body":"go along. If they don't, then"},{"speaker":"Unknown","startTime":100.47,"endTime":103.92,"body":"don't do anything. And if they"},{"speaker":"Unknown","startTime":104.07,"endTime":108.45,"body":"are the opposite, then go short."},{"speaker":"Unknown","startTime":104.07,"endTime":108.45,"body":"And so sometimes when you're a"},{"speaker":"Unknown","startTime":108.45,"endTime":113.25,"body":"trader, you can I guess you can"},{"speaker":"Unknown","startTime":108.45,"endTime":113.25,"body":"be hopeful, like, Oh, I think"},{"speaker":"Unknown","startTime":113.25,"endTime":115.56,"body":"it's gonna go up, I feel like"},{"speaker":"Unknown","startTime":113.25,"endTime":115.56,"body":"it's gonna go up or whatever."},{"speaker":"Unknown","startTime":116.01,"endTime":121.05,"body":"The bot is just the math, if the"},{"speaker":"Unknown","startTime":116.01,"endTime":121.05,"body":"if the indications were there,"},{"speaker":"Unknown","startTime":121.08,"endTime":123.21,"body":"it takes the trade if they were"},{"speaker":"Unknown","startTime":121.08,"endTime":123.21,"body":"not there, it doesn't do"},{"speaker":"Unknown","startTime":123.21,"endTime":125.25,"body":"anything. So it's more"},{"speaker":"Josh Bolton","startTime":125.28,"endTime":130.98,"body":"stable. It is, I"},{"speaker":"Josh Bolton","startTime":125.28,"endTime":130.98,"body":"have a so use track and trade as"},{"speaker":"Josh Bolton","startTime":130.98,"endTime":136.56,"body":"my treating provider, and they"},{"speaker":"Josh Bolton","startTime":130.98,"endTime":136.56,"body":"have a bot that comes with it."},{"speaker":"Josh Bolton","startTime":137.31,"endTime":140.85,"body":"And it's annoying, because"},{"speaker":"Josh Bolton","startTime":137.31,"endTime":140.85,"body":"sometimes they'll go, right? I"},{"speaker":"Josh Bolton","startTime":140.85,"endTime":143.73,"body":"think it was, like, give me a"},{"speaker":"Josh Bolton","startTime":140.85,"endTime":143.73,"body":"special like, 1000 bucks for"},{"speaker":"Josh Bolton","startTime":143.73,"endTime":147.12,"body":"everything, including the pilot"},{"speaker":"Josh Bolton","startTime":143.73,"endTime":147.12,"body":"was like, hey, that's awesome."},{"speaker":"Josh Bolton","startTime":147.15,"endTime":151.41,"body":"I'll take it. But uh, that it's"},{"speaker":"Josh Bolton","startTime":147.15,"endTime":151.41,"body":"annoying to look at because he"},{"speaker":"Josh Bolton","startTime":151.41,"endTime":154.23,"body":"goes off the like moving"},{"speaker":"Josh Bolton","startTime":151.41,"endTime":154.23,"body":"averages and all that and I can"},{"speaker":"Josh Bolton","startTime":154.23,"endTime":160.23,"body":"get more specialized. But at my"},{"speaker":"Josh Bolton","startTime":154.23,"endTime":160.23,"body":"best rule, it took anywhere from"},{"speaker":"Josh Bolton","startTime":160.23,"endTime":163.47,"body":"two weeks in between trades, and"},{"speaker":"Josh Bolton","startTime":160.23,"endTime":163.47,"body":"I'm like, I'm sitting here"},{"speaker":"Josh Bolton","startTime":163.47,"endTime":165.51,"body":"sweating bullets again. Oh, it"},{"speaker":"Josh Bolton","startTime":163.47,"endTime":165.51,"body":"doesn't go the wrong way."},{"speaker":"Unknown","startTime":167.01,"endTime":169.74,"body":"Yeah, I felt my I"},{"speaker":"Unknown","startTime":167.01,"endTime":169.74,"body":"thought my boss was like, long."},{"speaker":"Unknown","startTime":169.74,"endTime":174.18,"body":"So my bot only takes trades when"},{"speaker":"Unknown","startTime":169.74,"endTime":174.18,"body":"it's in a certain level on the"},{"speaker":"Unknown","startTime":174.18,"endTime":177.48,"body":"mark on the on the chart. So"},{"speaker":"Unknown","startTime":174.18,"endTime":177.48,"body":"there's like the volume weighted"},{"speaker":"Unknown","startTime":177.48,"endTime":181.08,"body":"average price. And so there are"},{"speaker":"Unknown","startTime":177.48,"endTime":181.08,"body":"bands. So there's like level"},{"speaker":"Unknown","startTime":181.08,"endTime":184.8,"body":"one, two, and three. And so my"},{"speaker":"Unknown","startTime":181.08,"endTime":184.8,"body":"bot will only take the trades"},{"speaker":"Unknown","startTime":184.83,"endTime":189.09,"body":"when it's in like level two."},{"speaker":"Unknown","startTime":184.83,"endTime":189.09,"body":"Because when it's like inside,"},{"speaker":"Unknown","startTime":189.54,"endTime":192.66,"body":"inside those bands, it can be"},{"speaker":"Unknown","startTime":189.54,"endTime":192.66,"body":"very volatile, going up and"},{"speaker":"Unknown","startTime":192.66,"endTime":195.78,"body":"down. But once it's gone to a"},{"speaker":"Unknown","startTime":192.66,"endTime":195.78,"body":"certain level, it stays there."},{"speaker":"Unknown","startTime":195.84,"endTime":198.0,"body":"But sometimes I'm looking at it."},{"speaker":"Unknown","startTime":195.84,"endTime":198.0,"body":"It's like, Oh, that would have"},{"speaker":"Unknown","startTime":198.0,"endTime":200.82,"body":"been such a good trade. But it"},{"speaker":"Unknown","startTime":198.0,"endTime":200.82,"body":"just wasn't, wasn't guaranteed."},{"speaker":"Unknown","startTime":200.82,"endTime":205.86,"body":"So it doesn't take it. So yeah."},{"speaker":"Unknown","startTime":200.82,"endTime":205.86,"body":"It's awesome. It's interesting,"},{"speaker":"Unknown","startTime":205.86,"endTime":209.94,"body":"man. That's very cool. That's"},{"speaker":"Unknown","startTime":205.86,"endTime":209.94,"body":"super cool. Do I have a delay on"},{"speaker":"Unknown","startTime":209.94,"endTime":213.36,"body":"my line? Because you've got a"},{"speaker":"Unknown","startTime":209.94,"endTime":213.36,"body":"pretty significant one. Not sure"},{"speaker":"Unknown","startTime":213.36,"endTime":215.61,"body":"if that matters for recording"},{"speaker":"Unknown","startTime":213.36,"endTime":215.61,"body":"later."},{"speaker":"Josh Bolton","startTime":216.45,"endTime":218.04,"body":"It seems like"},{"speaker":"Josh Bolton","startTime":216.45,"endTime":218.04,"body":"you're coming through just fine."},{"speaker":"Josh Bolton","startTime":218.04,"endTime":220.56,"body":"On my end. It records whatever"},{"speaker":"Josh Bolton","startTime":218.04,"endTime":220.56,"body":"my screen says."},{"speaker":"Unknown","startTime":222.03,"endTime":224.25,"body":"Okay, okay, good, good."},{"speaker":"Unknown","startTime":222.03,"endTime":224.25,"body":"Just making sure."},{"speaker":"Josh Bolton","startTime":225.0,"endTime":227.04,"body":"I'll say I'll check"},{"speaker":"Josh Bolton","startTime":225.0,"endTime":227.04,"body":"it later. If not, I'll just got"},{"speaker":"Josh Bolton","startTime":227.04,"endTime":235.65,"body":"to sit there and chop everything"},{"speaker":"Josh Bolton","startTime":227.04,"endTime":235.65,"body":"and paperwork. All right. So I"},{"speaker":"Josh Bolton","startTime":235.65,"endTime":237.33,"body":"was thinking, Can we get a quick"},{"speaker":"Josh Bolton","startTime":235.65,"endTime":237.33,"body":"introduction of who you are and"},{"speaker":"Josh Bolton","startTime":237.33,"endTime":237.78,"body":"what you do?"},{"speaker":"Unknown","startTime":239.16,"endTime":244.59,"body":"Sure. So my name is Bob"},{"speaker":"Unknown","startTime":239.16,"endTime":244.59,"body":"Hunter. And I am the CEO of"},{"speaker":"Unknown","startTime":244.59,"endTime":249.12,"body":"Oxford Pierpont, and also my"},{"speaker":"Unknown","startTime":244.59,"endTime":249.12,"body":"business credit, which is our"},{"speaker":"Unknown","startTime":249.15,"endTime":252.36,"body":"newer business that does"},{"speaker":"Unknown","startTime":249.15,"endTime":252.36,"body":"business financing for small and"},{"speaker":"Unknown","startTime":252.36,"endTime":256.41,"body":"medium businesses. And the"},{"speaker":"Unknown","startTime":252.36,"endTime":256.41,"body":"reason that there are two is"},{"speaker":"Unknown","startTime":256.41,"endTime":259.89,"body":"because Oxford is very"},{"speaker":"Unknown","startTime":256.41,"endTime":259.89,"body":"corporate, for larger"},{"speaker":"Unknown","startTime":259.89,"endTime":265.65,"body":"businesses, for businesses that"},{"speaker":"Unknown","startTime":259.89,"endTime":265.65,"body":"are more, I guess, office based"},{"speaker":"Unknown","startTime":265.74,"endTime":270.36,"body":"think lawyers, mortgage brokers,"},{"speaker":"Unknown","startTime":265.74,"endTime":270.36,"body":"bankers, accountants, things"},{"speaker":"Unknown","startTime":270.36,"endTime":275.55,"body":"like that. My business credit is"},{"speaker":"Unknown","startTime":270.36,"endTime":275.55,"body":"way more friendly, way happier"},{"speaker":"Unknown","startTime":275.55,"endTime":279.12,"body":"looking brand. And we helped"},{"speaker":"Unknown","startTime":275.55,"endTime":279.12,"body":"sort of small and medium sized"},{"speaker":"Unknown","startTime":279.12,"endTime":282.81,"body":"businesses to get money. And the"},{"speaker":"Unknown","startTime":279.12,"endTime":282.81,"body":"biggest problem that we're"},{"speaker":"Unknown","startTime":282.81,"endTime":287.46,"body":"trying to solve there is"},{"speaker":"Unknown","startTime":282.81,"endTime":287.46,"body":"unfortunately about 90 roughly"},{"speaker":"Unknown","startTime":287.46,"endTime":291.51,"body":"90% of new business owners will"},{"speaker":"Unknown","startTime":287.46,"endTime":291.51,"body":"not make it to year five. And"},{"speaker":"Unknown","startTime":291.51,"endTime":293.82,"body":"the biggest reason that they"},{"speaker":"Unknown","startTime":291.51,"endTime":293.82,"body":"won't is because is that they"},{"speaker":"Unknown","startTime":293.82,"endTime":297.3,"body":"are undercapitalized. So that is"},{"speaker":"Unknown","startTime":293.82,"endTime":297.3,"body":"the that is the single biggest"},{"speaker":"Unknown","startTime":297.3,"endTime":300.63,"body":"problem that we're trying to"},{"speaker":"Unknown","startTime":297.3,"endTime":300.63,"body":"solve. So that So what I do?"},{"speaker":"Josh Bolton","startTime":302.07,"endTime":307.47,"body":"So let's say like I"},{"speaker":"Josh Bolton","startTime":302.07,"endTime":307.47,"body":"open a business, for easy sake,"},{"speaker":"Josh Bolton","startTime":307.5,"endTime":310.56,"body":"an air conditioning company, I"},{"speaker":"Josh Bolton","startTime":307.5,"endTime":310.56,"body":"have all the experience, but I"},{"speaker":"Josh Bolton","startTime":310.56,"endTime":313.35,"body":"don't have the capital, would it"},{"speaker":"Josh Bolton","startTime":310.56,"endTime":313.35,"body":"be something, you'd help me"},{"speaker":"Josh Bolton","startTime":313.35,"endTime":314.64,"body":"figure out the financing for"},{"speaker":"Josh Bolton","startTime":313.35,"endTime":314.64,"body":"that?"},{"speaker":"Unknown","startTime":316.68,"endTime":319.35,"body":"Yep, so we'd help you"},{"speaker":"Unknown","startTime":316.68,"endTime":319.35,"body":"figure out the financing. But"},{"speaker":"Unknown","startTime":319.35,"endTime":323.37,"body":"more importantly, we would make"},{"speaker":"Unknown","startTime":319.35,"endTime":323.37,"body":"sure that you're doing all the"},{"speaker":"Unknown","startTime":323.37,"endTime":326.04,"body":"things that you need to do to be"},{"speaker":"Unknown","startTime":323.37,"endTime":326.04,"body":"attractive to a bank in the"},{"speaker":"Unknown","startTime":326.04,"endTime":331.02,"body":"first place. So many business"},{"speaker":"Unknown","startTime":326.04,"endTime":331.02,"body":"owners what they do is they open"},{"speaker":"Unknown","startTime":331.02,"endTime":333.54,"body":"their business, and they're"},{"speaker":"Unknown","startTime":331.02,"endTime":333.54,"body":"thinking about everything in the"},{"speaker":"Unknown","startTime":333.54,"endTime":337.86,"body":"context of how do I provide the"},{"speaker":"Unknown","startTime":333.54,"endTime":337.86,"body":"best service or the best product"},{"speaker":"Unknown","startTime":337.86,"endTime":340.89,"body":"and you know, get more customers"},{"speaker":"Unknown","startTime":337.86,"endTime":340.89,"body":"make my customers happy? How do"},{"speaker":"Unknown","startTime":340.89,"endTime":344.28,"body":"I hire people? How do I grow all"},{"speaker":"Unknown","startTime":340.89,"endTime":344.28,"body":"of these things that they're"},{"speaker":"Unknown","startTime":344.28,"endTime":347.58,"body":"thinking about from an operating"},{"speaker":"Unknown","startTime":344.28,"endTime":347.58,"body":"perspective, they're not really"},{"speaker":"Unknown","startTime":347.58,"endTime":351.09,"body":"thinking about the business"},{"speaker":"Unknown","startTime":347.58,"endTime":351.09,"body":"administration side as much. And"},{"speaker":"Unknown","startTime":351.09,"endTime":353.64,"body":"so what ends up happening is"},{"speaker":"Unknown","startTime":351.09,"endTime":353.64,"body":"you've got a business owner"},{"speaker":"Unknown","startTime":353.64,"endTime":355.89,"body":"who's ready to grow, maybe"},{"speaker":"Unknown","startTime":353.64,"endTime":355.89,"body":"they're ready to hire more"},{"speaker":"Unknown","startTime":355.89,"endTime":359.07,"body":"people, or acquire new products,"},{"speaker":"Unknown","startTime":355.89,"endTime":359.07,"body":"or maybe even buy another"},{"speaker":"Unknown","startTime":359.07,"endTime":364.11,"body":"business, but they do not have"},{"speaker":"Unknown","startTime":359.07,"endTime":364.11,"body":"the, the history to justify"},{"speaker":"Unknown","startTime":364.11,"endTime":367.5,"body":"giving them money. So they might"},{"speaker":"Unknown","startTime":364.11,"endTime":367.5,"body":"have cashflow. For example,"},{"speaker":"Unknown","startTime":367.53,"endTime":370.86,"body":"let's say that your business is"},{"speaker":"Unknown","startTime":367.53,"endTime":370.86,"body":"doing really well, you end up"},{"speaker":"Unknown","startTime":371.13,"endTime":375.81,"body":"producing $20,000 per month. So"},{"speaker":"Unknown","startTime":371.13,"endTime":375.81,"body":"on a cash flow, you know, from a"},{"speaker":"Unknown","startTime":375.81,"endTime":379.71,"body":"cash flow perspective, you look"},{"speaker":"Unknown","startTime":375.81,"endTime":379.71,"body":"wonderful. But then we find out"},{"speaker":"Unknown","startTime":379.71,"endTime":383.25,"body":"well, you're bringing in 20. But"},{"speaker":"Unknown","startTime":379.71,"endTime":383.25,"body":"in your bank account, you're"},{"speaker":"Unknown","startTime":383.25,"endTime":388.2,"body":"actually only keeping about"},{"speaker":"Unknown","startTime":383.25,"endTime":388.2,"body":"19,000 or less. So really,"},{"speaker":"Unknown","startTime":388.2,"endTime":390.9,"body":"you're spending all of your"},{"speaker":"Unknown","startTime":388.2,"endTime":390.9,"body":"money. So if you're talking to"},{"speaker":"Unknown","startTime":390.9,"endTime":395.97,"body":"the bank now and you say, hey,"},{"speaker":"Unknown","startTime":390.9,"endTime":395.97,"body":"bank, I need $100,000, the bank"},{"speaker":"Unknown","startTime":395.97,"endTime":399.75,"body":"looks at it as well, you're only"},{"speaker":"Unknown","startTime":395.97,"endTime":399.75,"body":"really able to spare $1,000,"},{"speaker":"Unknown","startTime":399.75,"endTime":402.78,"body":"just from your current revenue,"},{"speaker":"Unknown","startTime":399.75,"endTime":402.78,"body":"we get that you need the money,"},{"speaker":"Unknown","startTime":402.81,"endTime":405.75,"body":"but we need a little bit more"},{"speaker":"Unknown","startTime":402.81,"endTime":405.75,"body":"cushion and security. So that's"},{"speaker":"Unknown","startTime":405.75,"endTime":408.45,"body":"why they have something called a"},{"speaker":"Unknown","startTime":405.75,"endTime":408.45,"body":"bank rating, where the bank is"},{"speaker":"Unknown","startTime":408.45,"endTime":412.53,"body":"basically measuring what your"},{"speaker":"Unknown","startTime":408.45,"endTime":412.53,"body":"average account balance is over"},{"speaker":"Unknown","startTime":412.53,"endTime":415.44,"body":"the last 90 days. And that"},{"speaker":"Unknown","startTime":412.53,"endTime":415.44,"body":"number needs to be 10,000 or"},{"speaker":"Unknown","startTime":415.44,"endTime":419.91,"body":"higher. So little things like"},{"speaker":"Unknown","startTime":415.44,"endTime":419.91,"body":"that. We try to make sure"},{"speaker":"Unknown","startTime":420.42,"endTime":422.94,"body":"business owners are"},{"speaker":"Unknown","startTime":420.42,"endTime":422.94,"body":"understanding, you've got to run"},{"speaker":"Unknown","startTime":422.94,"endTime":426.96,"body":"your business, but you've also"},{"speaker":"Unknown","startTime":422.94,"endTime":426.96,"body":"got to build your business. So"},{"speaker":"Unknown","startTime":426.96,"endTime":430.47,"body":"that later you're able to have"},{"speaker":"Unknown","startTime":426.96,"endTime":430.47,"body":"these conversations with parties"},{"speaker":"Unknown","startTime":430.47,"endTime":433.02,"body":"that are able to give you money."},{"speaker":"Unknown","startTime":430.47,"endTime":433.02,"body":"And there's a long list of them"},{"speaker":"Unknown","startTime":433.05,"endTime":435.48,"body":"20 things Be more specific. So"},{"speaker":"Josh Bolton","startTime":436.26,"endTime":438.81,"body":"Oh, wow, that"},{"speaker":"Josh Bolton","startTime":436.26,"endTime":438.81,"body":"plenty of talk about that. But"},{"speaker":"Josh Bolton","startTime":438.81,"endTime":442.05,"body":"I'm just I'm just thinking of"},{"speaker":"Josh Bolton","startTime":438.81,"endTime":442.05,"body":"one. And because it probably"},{"speaker":"Josh Bolton","startTime":442.08,"endTime":444.36,"body":"popped up in other people's head"},{"speaker":"Josh Bolton","startTime":442.08,"endTime":444.36,"body":"listening to this, does that"},{"speaker":"Josh Bolton","startTime":444.36,"endTime":446.88,"body":"mean that I have to increase my"},{"speaker":"Josh Bolton","startTime":444.36,"endTime":446.88,"body":"price, so I have more cushion."},{"speaker":"Josh Bolton","startTime":447.21,"endTime":448.83,"body":"But that could scare off"},{"speaker":"Josh Bolton","startTime":447.21,"endTime":448.83,"body":"customers kind of thing."},{"speaker":"Unknown","startTime":448.86,"endTime":453.06,"body":"It's it's more about"},{"speaker":"Unknown","startTime":448.86,"endTime":453.06,"body":"how you're using, how you're"},{"speaker":"Unknown","startTime":453.06,"endTime":456.21,"body":"using your money. So for"},{"speaker":"Unknown","startTime":453.06,"endTime":456.21,"body":"example, with the bank rating,"},{"speaker":"Unknown","startTime":456.21,"endTime":460.32,"body":"right? Let's say that you"},{"speaker":"Unknown","startTime":456.21,"endTime":460.32,"body":"genuinely did need that money."},{"speaker":"Unknown","startTime":460.35,"endTime":462.84,"body":"Because obviously, you did in"},{"speaker":"Unknown","startTime":460.35,"endTime":462.84,"body":"that hypothetical example, if"},{"speaker":"Unknown","startTime":462.84,"endTime":465.99,"body":"you brought in 20, and you were"},{"speaker":"Unknown","startTime":462.84,"endTime":465.99,"body":"spending 19, I'm sure you"},{"speaker":"Unknown","startTime":465.99,"endTime":468.48,"body":"weren't going out and you know,"},{"speaker":"Unknown","startTime":465.99,"endTime":468.48,"body":"paying a monthly note on a"},{"speaker":"Unknown","startTime":468.48,"endTime":473.04,"body":"Ferrari, you know, you were"},{"speaker":"Unknown","startTime":468.48,"endTime":473.04,"body":"probably paying your employees,"},{"speaker":"Unknown","startTime":473.04,"endTime":475.53,"body":"we were probably paying for"},{"speaker":"Unknown","startTime":473.04,"endTime":475.53,"body":"advertising or anything for your"},{"speaker":"Unknown","startTime":475.53,"endTime":479.04,"body":"business. So what you want to be"},{"speaker":"Unknown","startTime":475.53,"endTime":479.04,"body":"able to do is instead of just"},{"speaker":"Unknown","startTime":479.04,"endTime":482.46,"body":"having that cash always been"},{"speaker":"Unknown","startTime":479.04,"endTime":482.46,"body":"spent, have a revolving line of"},{"speaker":"Unknown","startTime":482.46,"endTime":486.03,"body":"credit a business line of"},{"speaker":"Unknown","startTime":482.46,"endTime":486.03,"body":"credit, that is cycling every"},{"speaker":"Unknown","startTime":486.03,"endTime":489.45,"body":"month, that is secured by a"},{"speaker":"Unknown","startTime":486.03,"endTime":489.45,"body":"certificate of deposit. And that"},{"speaker":"Unknown","startTime":489.45,"endTime":492.84,"body":"accomplishes two things for you."},{"speaker":"Unknown","startTime":489.45,"endTime":492.84,"body":"One, you took your original cash"},{"speaker":"Unknown","startTime":492.84,"endTime":496.08,"body":"that you had, you put it into a"},{"speaker":"Unknown","startTime":492.84,"endTime":496.08,"body":"certificate of deposit, which is"},{"speaker":"Unknown","startTime":496.08,"endTime":500.25,"body":"a high interest savings account"},{"speaker":"Unknown","startTime":496.08,"endTime":500.25,"body":"at your bank. And then your bank"},{"speaker":"Unknown","startTime":500.25,"endTime":503.07,"body":"said, okay, cool. So we've got"},{"speaker":"Unknown","startTime":500.25,"endTime":503.07,"body":"this money here is growing"},{"speaker":"Unknown","startTime":503.07,"endTime":506.34,"body":"interest, you're now able to"},{"speaker":"Unknown","startTime":503.07,"endTime":506.34,"body":"say, Well, hey, I want to use"},{"speaker":"Unknown","startTime":506.37,"endTime":510.66,"body":"that CD, as collateral for a"},{"speaker":"Unknown","startTime":506.37,"endTime":510.66,"body":"revolving business line of"},{"speaker":"Unknown","startTime":510.66,"endTime":514.41,"body":"credit. So now you've got two"},{"speaker":"Unknown","startTime":510.66,"endTime":514.41,"body":"sets of $20,000, you'd have the"},{"speaker":"Unknown","startTime":514.41,"endTime":517.14,"body":"one that was your original cash,"},{"speaker":"Unknown","startTime":514.41,"endTime":517.14,"body":"which is now safely sitting"},{"speaker":"Unknown","startTime":517.14,"endTime":521.01,"body":"inside of that CD. And now"},{"speaker":"Unknown","startTime":517.14,"endTime":521.01,"body":"you've got $20,000 of revolving"},{"speaker":"Unknown","startTime":521.01,"endTime":525.39,"body":"money, okay? If you do not pay"},{"speaker":"Unknown","startTime":521.01,"endTime":525.39,"body":"that $20,000, like, let's say"},{"speaker":"Unknown","startTime":525.39,"endTime":528.21,"body":"that you spend up all the money,"},{"speaker":"Unknown","startTime":525.39,"endTime":528.21,"body":"and the following month, you"},{"speaker":"Unknown","startTime":528.21,"endTime":530.94,"body":"don't do anything to bring your"},{"speaker":"Unknown","startTime":528.21,"endTime":530.94,"body":"balance down, while the bank"},{"speaker":"Unknown","startTime":530.94,"endTime":534.0,"body":"isn't as worried as they"},{"speaker":"Unknown","startTime":530.94,"endTime":534.0,"body":"normally would be. Because they"},{"speaker":"Unknown","startTime":534.0,"endTime":537.66,"body":"will just simply take the money"},{"speaker":"Unknown","startTime":534.0,"endTime":537.66,"body":"out of your out of your CD,"},{"speaker":"Unknown","startTime":537.78,"endTime":540.63,"body":"because that is your security,"},{"speaker":"Unknown","startTime":537.78,"endTime":540.63,"body":"that's your collateral, if you"},{"speaker":"Unknown","startTime":540.63,"endTime":544.2,"body":"end up defaulting on that. So it"},{"speaker":"Unknown","startTime":540.63,"endTime":544.2,"body":"makes the bank feel better. By"},{"speaker":"Unknown","startTime":544.2,"endTime":547.2,"body":"having that money safely sitting"},{"speaker":"Unknown","startTime":544.2,"endTime":547.2,"body":"in that CD bearing interest."},{"speaker":"Unknown","startTime":547.68,"endTime":549.63,"body":"That means your bank rating is"},{"speaker":"Unknown","startTime":547.68,"endTime":549.63,"body":"now going to be a little bit"},{"speaker":"Unknown","startTime":549.63,"endTime":553.53,"body":"higher, because your bank"},{"speaker":"Unknown","startTime":549.63,"endTime":553.53,"body":"balance is always staying at"},{"speaker":"Unknown","startTime":553.53,"endTime":557.67,"body":"least the same or higher as it"},{"speaker":"Unknown","startTime":553.53,"endTime":557.67,"body":"is increasing. And finally, by"},{"speaker":"Unknown","startTime":557.67,"endTime":560.4,"body":"having a business line of credit"},{"speaker":"Unknown","startTime":557.67,"endTime":560.4,"body":"at the bank, you're now more"},{"speaker":"Unknown","startTime":560.4,"endTime":562.95,"body":"attractive, attractive because"},{"speaker":"Unknown","startTime":560.4,"endTime":562.95,"body":"you're able to go to another"},{"speaker":"Unknown","startTime":562.95,"endTime":566.85,"body":"bank later and say, Hey, I've"},{"speaker":"Unknown","startTime":562.95,"endTime":566.85,"body":"got this account with Bank A,"},{"speaker":"Unknown","startTime":567.15,"endTime":571.35,"body":"it's in good standing, I pay my"},{"speaker":"Unknown","startTime":567.15,"endTime":571.35,"body":"bill. I'm always keeping the"},{"speaker":"Unknown","startTime":571.35,"endTime":574.05,"body":"money revolving like it's"},{"speaker":"Unknown","startTime":571.35,"endTime":574.05,"body":"supposed to be. Give me more"},{"speaker":"Unknown","startTime":574.05,"endTime":577.17,"body":"money. If we take that a step"},{"speaker":"Unknown","startTime":574.05,"endTime":577.17,"body":"further, when we're talking"},{"speaker":"Unknown","startTime":577.17,"endTime":580.56,"body":"about how to bring down these"},{"speaker":"Unknown","startTime":577.17,"endTime":580.56,"body":"expenses, bringing it to a"},{"speaker":"Unknown","startTime":580.56,"endTime":583.56,"body":"vendor, instead of just spending"},{"speaker":"Unknown","startTime":580.56,"endTime":583.56,"body":"money outright. Let's say that"},{"speaker":"Unknown","startTime":583.56,"endTime":587.49,"body":"you are, I don't know spending"},{"speaker":"Unknown","startTime":583.56,"endTime":587.49,"body":"money on gasoline, right? You're"},{"speaker":"Unknown","startTime":587.49,"endTime":589.65,"body":"driving around, maybe you're"},{"speaker":"Unknown","startTime":587.49,"endTime":589.65,"body":"driving them to your worksite"},{"speaker":"Unknown","startTime":589.68,"endTime":592.77,"body":"maybe you're delivering stuff or"},{"speaker":"Unknown","startTime":589.68,"endTime":592.77,"body":"whatever it is. Get a gas card."},{"speaker":"Unknown","startTime":593.01,"endTime":596.19,"body":"That's another example. Maybe"},{"speaker":"Unknown","startTime":593.01,"endTime":596.19,"body":"you're spending money on"},{"speaker":"Unknown","startTime":596.19,"endTime":599.16,"body":"recurring bills like you've got"},{"speaker":"Unknown","startTime":596.19,"endTime":599.16,"body":"some software bills where you"},{"speaker":"Unknown","startTime":599.16,"endTime":603.0,"body":"have a payroll bills or whatever"},{"speaker":"Unknown","startTime":599.16,"endTime":603.0,"body":"it is as recurring, instead of"},{"speaker":"Unknown","startTime":603.0,"endTime":606.93,"body":"spending that as just cash, get"},{"speaker":"Unknown","startTime":603.0,"endTime":606.93,"body":"a special credit card just for"},{"speaker":"Unknown","startTime":606.93,"endTime":610.35,"body":"those kinds of revolving bills."},{"speaker":"Unknown","startTime":606.93,"endTime":610.35,"body":"So it's not necessarily about"},{"speaker":"Unknown","startTime":610.35,"endTime":614.91,"body":"only about just reducing the"},{"speaker":"Unknown","startTime":610.35,"endTime":614.91,"body":"costs, which I mean, if you can,"},{"speaker":"Unknown","startTime":614.94,"endTime":619.32,"body":"by all means do. But it's about"},{"speaker":"Unknown","startTime":614.94,"endTime":619.32,"body":"spending the money in a way that"},{"speaker":"Unknown","startTime":619.32,"endTime":622.05,"body":"is wiser, and allows you to get"},{"speaker":"Unknown","startTime":619.32,"endTime":622.05,"body":"multiple uses of the same"},{"speaker":"Unknown","startTime":622.05,"endTime":625.26,"body":"dollar. So I don't know if that"},{"speaker":"Unknown","startTime":622.05,"endTime":625.26,"body":"makes sense."},{"speaker":"Josh Bolton","startTime":626.22,"endTime":629.73,"body":"It does for me, but"},{"speaker":"Josh Bolton","startTime":626.22,"endTime":629.73,"body":"I wanted to ask on a question, I"},{"speaker":"Josh Bolton","startTime":629.73,"endTime":633.72,"body":"didn't think how would I, let's"},{"speaker":"Josh Bolton","startTime":629.73,"endTime":633.72,"body":"see, I formed my LLC, I buy my"},{"speaker":"Josh Bolton","startTime":633.72,"endTime":638.13,"body":"virtual real estate place, my"},{"speaker":"Josh Bolton","startTime":633.72,"endTime":638.13,"body":"LLC there. How would it convince"},{"speaker":"Josh Bolton","startTime":638.22,"endTime":641.7,"body":"a bank to be like, I know I'm"},{"speaker":"Josh Bolton","startTime":638.22,"endTime":641.7,"body":"new, but can I get a $10,000"},{"speaker":"Josh Bolton","startTime":641.73,"endTime":644.13,"body":"line of credit? How would that"},{"speaker":"Josh Bolton","startTime":641.73,"endTime":644.13,"body":"work?"},{"speaker":"Unknown","startTime":644.52,"endTime":648.3,"body":"So there's, so the"},{"speaker":"Unknown","startTime":644.52,"endTime":648.3,"body":"banks are going to want to honor"},{"speaker":"Unknown","startTime":648.3,"endTime":650.79,"body":"these three things. So you've"},{"speaker":"Unknown","startTime":648.3,"endTime":650.79,"body":"either got to have cash flow,"},{"speaker":"Unknown","startTime":651.21,"endTime":654.45,"body":"which generally needs to be"},{"speaker":"Unknown","startTime":651.21,"endTime":654.45,"body":"10,000 or more, or you've got"},{"speaker":"Unknown","startTime":654.45,"endTime":657.09,"body":"collateral, which in your case"},{"speaker":"Unknown","startTime":654.45,"endTime":657.09,"body":"would have been the house, or"},{"speaker":"Unknown","startTime":657.09,"endTime":659.88,"body":"you have good credit. So you've"},{"speaker":"Unknown","startTime":657.09,"endTime":659.88,"body":"got to have two of those three,"},{"speaker":"Unknown","startTime":659.94,"endTime":663.18,"body":"any two, but you need at least"},{"speaker":"Unknown","startTime":659.94,"endTime":663.18,"body":"two of those three, if you are"},{"speaker":"Unknown","startTime":663.18,"endTime":667.38,"body":"someone who has good credit, and"},{"speaker":"Unknown","startTime":663.18,"endTime":667.38,"body":"by good, we mean a score of 680"},{"speaker":"Unknown","startTime":667.38,"endTime":671.07,"body":"or higher, then you're able to"},{"speaker":"Unknown","startTime":667.38,"endTime":671.07,"body":"now leverage that good credit"},{"speaker":"Unknown","startTime":671.07,"endTime":676.29,"body":"history and say, Hey, bank, give"},{"speaker":"Unknown","startTime":671.07,"endTime":676.29,"body":"me give me money. And the other"},{"speaker":"Unknown","startTime":676.29,"endTime":679.56,"body":"thing too, is you still need"},{"speaker":"Unknown","startTime":676.29,"endTime":679.56,"body":"some kind of cash flow to back"},{"speaker":"Unknown","startTime":679.56,"endTime":682.02,"body":"it up. Because remember, you"},{"speaker":"Unknown","startTime":679.56,"endTime":682.02,"body":"need to now if you've just"},{"speaker":"Unknown","startTime":682.02,"endTime":684.84,"body":"started a business, you might"},{"speaker":"Unknown","startTime":682.02,"endTime":684.84,"body":"not have cash flow yet, we do"},{"speaker":"Unknown","startTime":684.84,"endTime":688.59,"body":"offer startup financing, that is"},{"speaker":"Unknown","startTime":684.84,"endTime":688.59,"body":"a type of financing that we can"},{"speaker":"Unknown","startTime":688.59,"endTime":691.8,"body":"give a business that has not"},{"speaker":"Unknown","startTime":688.59,"endTime":691.8,"body":"even been opened yet. And it's"},{"speaker":"Unknown","startTime":691.8,"endTime":695.34,"body":"based on your personal income at"},{"speaker":"Unknown","startTime":691.8,"endTime":695.34,"body":"that point. So the bank needs to"},{"speaker":"Unknown","startTime":695.34,"endTime":699.6,"body":"verify in some way that the"},{"speaker":"Unknown","startTime":695.34,"endTime":699.6,"body":"money is secured, either because"},{"speaker":"Unknown","startTime":699.6,"endTime":702.78,"body":"you're putting up collateral, or"},{"speaker":"Unknown","startTime":699.6,"endTime":702.78,"body":"you're putting up not that"},{"speaker":"Unknown","startTime":702.78,"endTime":705.66,"body":"you're putting up cash, but that"},{"speaker":"Unknown","startTime":702.78,"endTime":705.66,"body":"you at least have cash, or"},{"speaker":"Unknown","startTime":705.66,"endTime":710.1,"body":"you've got, you've got good"},{"speaker":"Unknown","startTime":705.66,"endTime":710.1,"body":"credit. So in your case, house,"},{"speaker":"Unknown","startTime":710.37,"endTime":715.53,"body":"and your credit would be would"},{"speaker":"Unknown","startTime":710.37,"endTime":715.53,"body":"be your would be more attractive"},{"speaker":"Unknown","startTime":715.53,"endTime":720.6,"body":"features. There that case. Now,"},{"speaker":"Unknown","startTime":715.53,"endTime":720.6,"body":"if you are going to be also"},{"speaker":"Unknown","startTime":721.35,"endTime":724.92,"body":"specifically talking about real"},{"speaker":"Unknown","startTime":721.35,"endTime":724.92,"body":"estate, you can also go and get"},{"speaker":"Unknown","startTime":724.92,"endTime":728.01,"body":"private money loans. So we do"},{"speaker":"Unknown","startTime":724.92,"endTime":728.01,"body":"offer that as well, a lot of"},{"speaker":"Unknown","startTime":728.01,"endTime":730.41,"body":"real estate investors, what they"},{"speaker":"Unknown","startTime":728.01,"endTime":730.41,"body":"will do is a lot of fix and"},{"speaker":"Unknown","startTime":730.41,"endTime":734.82,"body":"flips, they'll go buy a property"},{"speaker":"Unknown","startTime":730.41,"endTime":734.82,"body":"at one price, they will put a"},{"speaker":"Unknown","startTime":734.82,"endTime":738.99,"body":"certain amount of repairs into"},{"speaker":"Unknown","startTime":734.82,"endTime":738.99,"body":"it, and then sell that property"},{"speaker":"Unknown","startTime":738.99,"endTime":742.44,"body":"at a higher price. We provide"},{"speaker":"Unknown","startTime":738.99,"endTime":742.44,"body":"financing for that as well up to"},{"speaker":"Unknown","startTime":742.44,"endTime":743.43,"body":"$2.2 million."},{"speaker":"Josh Bolton","startTime":746.64,"endTime":749.31,"body":"So the person then"},{"speaker":"Josh Bolton","startTime":746.64,"endTime":749.31,"body":"must have a very good plan and"},{"speaker":"Josh Bolton","startTime":749.31,"endTime":752.58,"body":"very good credit history for you"},{"speaker":"Josh Bolton","startTime":749.31,"endTime":752.58,"body":"to consider something that I"},{"speaker":"Unknown","startTime":754.05,"endTime":757.35,"body":"Yeah, so credit is"},{"speaker":"Unknown","startTime":754.05,"endTime":757.35,"body":"going to be the biggest thing."},{"speaker":"Unknown","startTime":757.41,"endTime":761.16,"body":"There's so many people who have"},{"speaker":"Unknown","startTime":757.41,"endTime":761.16,"body":"this misconception that and I"},{"speaker":"Unknown","startTime":761.16,"endTime":764.82,"body":"get why because people say this"},{"speaker":"Unknown","startTime":761.16,"endTime":764.82,"body":"online all the time, oh, you can"},{"speaker":"Unknown","startTime":764.82,"endTime":768.78,"body":"go and just open an LLC. And"},{"speaker":"Unknown","startTime":764.82,"endTime":768.78,"body":"you're going to be able to go"},{"speaker":"Unknown","startTime":768.78,"endTime":774.93,"body":"and buy, you know, an Escalade,"},{"speaker":"Unknown","startTime":768.78,"endTime":774.93,"body":"or f150 or all this stuff just"},{"speaker":"Unknown","startTime":774.93,"endTime":778.41,"body":"because you have an LLC or to"},{"speaker":"Unknown","startTime":774.93,"endTime":778.41,"body":"open a week ago. And it does not"},{"speaker":"Unknown","startTime":778.41,"endTime":781.8,"body":"really work like that. They"},{"speaker":"Unknown","startTime":778.41,"endTime":781.8,"body":"still need some kind of"},{"speaker":"Unknown","startTime":781.83,"endTime":785.13,"body":"verification that you have the"},{"speaker":"Unknown","startTime":781.83,"endTime":785.13,"body":"means to pay, whether it's"},{"speaker":"Unknown","startTime":785.13,"endTime":787.98,"body":"through your credit history as"},{"speaker":"Unknown","startTime":785.13,"endTime":787.98,"body":"evidence that you've paid other"},{"speaker":"Unknown","startTime":787.98,"endTime":792.54,"body":"people on time and responsibly,"},{"speaker":"Unknown","startTime":787.98,"endTime":792.54,"body":"or if it's through your personal"},{"speaker":"Unknown","startTime":792.78,"endTime":797.52,"body":"income that verifies that you do"},{"speaker":"Unknown","startTime":792.78,"endTime":797.52,"body":"at least have access to it to an"},{"speaker":"Unknown","startTime":797.52,"endTime":800.67,"body":"income that justifies the amount"},{"speaker":"Unknown","startTime":797.52,"endTime":800.67,"body":"that you're looking for. Or if"},{"speaker":"Unknown","startTime":800.7,"endTime":804.15,"body":"the the thing that you're"},{"speaker":"Unknown","startTime":800.7,"endTime":804.15,"body":"getting, right, so the"},{"speaker":"Unknown","startTime":804.15,"endTime":807.63,"body":"collateral that you're getting"},{"speaker":"Unknown","startTime":804.15,"endTime":807.63,"body":"in this case, being the house is"},{"speaker":"Unknown","startTime":807.63,"endTime":810.69,"body":"worth enough to satisfy the"},{"speaker":"Unknown","startTime":807.63,"endTime":810.69,"body":"loan, if for some reason you"},{"speaker":"Unknown","startTime":810.69,"endTime":814.38,"body":"defaulted. Everything that the"},{"speaker":"Unknown","startTime":810.69,"endTime":814.38,"body":"bank asks you all the different"},{"speaker":"Unknown","startTime":814.38,"endTime":817.41,"body":"questions, it's really only to"},{"speaker":"Unknown","startTime":814.38,"endTime":817.41,"body":"answer one thing, and that is if"},{"speaker":"Unknown","startTime":817.41,"endTime":820.8,"body":"we give you money as the bank,"},{"speaker":"Unknown","startTime":817.41,"endTime":820.8,"body":"will you as the borrower pay it"},{"speaker":"Unknown","startTime":820.8,"endTime":823.5,"body":"back? If the answer to that"},{"speaker":"Unknown","startTime":820.8,"endTime":823.5,"body":"question is yes, then the bank"},{"speaker":"Unknown","startTime":823.5,"endTime":825.54,"body":"is very happy to give you all"},{"speaker":"Unknown","startTime":823.5,"endTime":825.54,"body":"the money that you need."},{"speaker":"Josh Bolton","startTime":827.52,"endTime":830.46,"body":"Interesting. So"},{"speaker":"Josh Bolton","startTime":827.52,"endTime":830.46,"body":"let's say hypothetical, because"},{"speaker":"Josh Bolton","startTime":830.46,"endTime":834.18,"body":"you definitely a guy that could"},{"speaker":"Josh Bolton","startTime":830.46,"endTime":834.18,"body":"tell me the right answer. Let's"},{"speaker":"Josh Bolton","startTime":834.18,"endTime":836.67,"body":"say I get a bunch of backers"},{"speaker":"Josh Bolton","startTime":834.18,"endTime":836.67,"body":"private investment, I formed my"},{"speaker":"Josh Bolton","startTime":836.67,"endTime":844.26,"body":"LLC, but I get for accredited"},{"speaker":"Josh Bolton","startTime":836.67,"endTime":844.26,"body":"investors to give me 200k. Total"},{"speaker":"Josh Bolton","startTime":844.89,"endTime":847.53,"body":"is that then when I could take"},{"speaker":"Josh Bolton","startTime":844.89,"endTime":847.53,"body":"it to the bank and say, I know"},{"speaker":"Josh Bolton","startTime":847.53,"endTime":851.19,"body":"this is a new LLC, but I have"},{"speaker":"Josh Bolton","startTime":847.53,"endTime":851.19,"body":"$200,000 worth of cash from"},{"speaker":"Josh Bolton","startTime":851.19,"endTime":854.97,"body":"backers. I'd like to put this"},{"speaker":"Josh Bolton","startTime":851.19,"endTime":854.97,"body":"down as a payment is that can"},{"speaker":"Josh Bolton","startTime":854.97,"endTime":855.51,"body":"that work?"},{"speaker":"Unknown","startTime":856.41,"endTime":859.32,"body":"After about 90 days, it"},{"speaker":"Unknown","startTime":856.41,"endTime":859.32,"body":"definitely can. The reason that"},{"speaker":"Unknown","startTime":859.71,"endTime":862.44,"body":"I say 90 days is because they"},{"speaker":"Unknown","startTime":859.71,"endTime":862.44,"body":"always ask for about three"},{"speaker":"Unknown","startTime":862.44,"endTime":867.48,"body":"months of history, you still can"},{"speaker":"Unknown","startTime":862.44,"endTime":867.48,"body":"go ahead of time, but it's more"},{"speaker":"Unknown","startTime":867.48,"endTime":868.98,"body":"guaranteed after 90 days."},{"speaker":"Josh Bolton","startTime":869.819,"endTime":872.339,"body":"So then I would"},{"speaker":"Josh Bolton","startTime":869.819,"endTime":872.339,"body":"have to prep my investors say I"},{"speaker":"Josh Bolton","startTime":872.339,"endTime":876.539,"body":"would need to form my LLC put"},{"speaker":"Josh Bolton","startTime":872.339,"endTime":876.539,"body":"everything in, keep it there"},{"speaker":"Josh Bolton","startTime":876.539,"endTime":879.749,"body":"legally, 90 days, and then I can"},{"speaker":"Josh Bolton","startTime":876.539,"endTime":879.749,"body":"we can start the process right?"},{"speaker":"Unknown","startTime":880.98,"endTime":883.68,"body":"The 90 days just makes"},{"speaker":"Unknown","startTime":880.98,"endTime":883.68,"body":"it more ideal. So you can"},{"speaker":"Unknown","startTime":883.74,"endTime":886.62,"body":"definitely like let's say"},{"speaker":"Unknown","startTime":883.74,"endTime":886.62,"body":"today's Tuesday, I'm gonna go in"},{"speaker":"Unknown","startTime":886.92,"endTime":890.01,"body":"and take this 800k that I have"},{"speaker":"Unknown","startTime":886.92,"endTime":890.01,"body":"in one straight to the bank and"},{"speaker":"Unknown","startTime":890.01,"endTime":893.79,"body":"ask for more money. You"},{"speaker":"Unknown","startTime":890.01,"endTime":893.79,"body":"certainly can. But there's still"},{"speaker":"Unknown","startTime":893.79,"endTime":897.15,"body":"a possibility that you can get"},{"speaker":"Unknown","startTime":893.79,"endTime":897.15,"body":"denied. Whereas in 90 days of"},{"speaker":"Unknown","startTime":897.15,"endTime":899.97,"body":"you showing that hey, I've had"},{"speaker":"Unknown","startTime":897.15,"endTime":899.97,"body":"this money and it's stable. It's"},{"speaker":"Unknown","startTime":900.0,"endTime":903.33,"body":"Not money, that is just a quick"},{"speaker":"Unknown","startTime":900.0,"endTime":903.33,"body":"blip, and then it's gone kind of"},{"speaker":"Unknown","startTime":903.33,"endTime":905.76,"body":"thing. Because again, you got to"},{"speaker":"Unknown","startTime":903.33,"endTime":905.76,"body":"think about it from the bank's"},{"speaker":"Unknown","startTime":905.76,"endTime":909.24,"body":"perspective, are they going to"},{"speaker":"Unknown","startTime":905.76,"endTime":909.24,"body":"be safe giving you more money,"},{"speaker":"Unknown","startTime":909.33,"endTime":912.39,"body":"right? After them asking for"},{"speaker":"Unknown","startTime":909.33,"endTime":912.39,"body":"your last three months of"},{"speaker":"Unknown","startTime":912.39,"endTime":916.05,"body":"history, and now your bank"},{"speaker":"Unknown","startTime":912.39,"endTime":916.05,"body":"rating is, you know, is very"},{"speaker":"Unknown","startTime":916.05,"endTime":920.34,"body":"high. They're very happy. It's"},{"speaker":"Unknown","startTime":916.05,"endTime":920.34,"body":"way easier to get the money,"},{"speaker":"Unknown","startTime":920.34,"endTime":923.37,"body":"especially if on top of that,"},{"speaker":"Unknown","startTime":920.34,"endTime":923.37,"body":"you've also got a decent credit"},{"speaker":"Josh Bolton","startTime":924.51,"endTime":928.38,"body":"or credit partners"},{"speaker":"Josh Bolton","startTime":924.51,"endTime":928.38,"body":"that will say, We're partners."},{"speaker":"Josh Bolton","startTime":928.38,"endTime":931.92,"body":"Okay. That was really helpful."},{"speaker":"Josh Bolton","startTime":928.38,"endTime":931.92,"body":"Yeah, that would have been, as"},{"speaker":"Josh Bolton","startTime":931.92,"endTime":933.87,"body":"one of those I've been thinking"},{"speaker":"Josh Bolton","startTime":931.92,"endTime":933.87,"body":"of getting into real estate."},{"speaker":"Josh Bolton","startTime":934.08,"endTime":936.57,"body":"Now, I know you're the guy that"},{"speaker":"Josh Bolton","startTime":934.08,"endTime":936.57,"body":"also called you if I'm gonna do"},{"speaker":"Josh Bolton","startTime":936.57,"endTime":940.11,"body":"it. But um, oh, yeah. We had it"},{"speaker":"Unknown","startTime":940.11,"endTime":941.85,"body":"was just a website,"},{"speaker":"Unknown","startTime":940.11,"endTime":941.85,"body":"too."},{"speaker":"Josh Bolton","startTime":942.9,"endTime":947.07,"body":"Oh, yeah. I liked"},{"speaker":"Josh Bolton","startTime":942.9,"endTime":947.07,"body":"it animation, if you scroll on"},{"speaker":"Josh Bolton","startTime":947.07,"endTime":947.73,"body":"your website?"},{"speaker":"Unknown","startTime":949.56,"endTime":953.43,"body":"Oh, yeah, thank you."},{"speaker":"Unknown","startTime":949.56,"endTime":953.43,"body":"There's a page on our website"},{"speaker":"Unknown","startTime":953.43,"endTime":956.76,"body":"that goes into more detail about"},{"speaker":"Unknown","startTime":953.43,"endTime":956.76,"body":"real estate specifically. And"},{"speaker":"Unknown","startTime":956.76,"endTime":961.23,"body":"there's an animated video as"},{"speaker":"Unknown","startTime":956.76,"endTime":961.23,"body":"well, where we talk about"},{"speaker":"Unknown","startTime":961.23,"endTime":966.27,"body":"exactly what what is needed to"},{"speaker":"Unknown","startTime":961.23,"endTime":966.27,"body":"get real estate financing. So"},{"speaker":"Unknown","startTime":966.48,"endTime":969.84,"body":"where you know, you go, you get"},{"speaker":"Unknown","startTime":966.48,"endTime":969.84,"body":"the property, you need to find"},{"speaker":"Unknown","startTime":969.84,"endTime":973.44,"body":"out what property you want."},{"speaker":"Unknown","startTime":969.84,"endTime":973.44,"body":"Basically, find out what repairs"},{"speaker":"Unknown","startTime":973.44,"endTime":975.69,"body":"it needs. If you decide to get"},{"speaker":"Unknown","startTime":973.44,"endTime":975.69,"body":"into the fix and flip side of"},{"speaker":"Unknown","startTime":975.69,"endTime":980.49,"body":"things. This cannot be an owner"},{"speaker":"Unknown","startTime":975.69,"endTime":980.49,"body":"occupied property. And we work"},{"speaker":"Unknown","startTime":980.49,"endTime":984.0,"body":"with private money lenders to"},{"speaker":"Unknown","startTime":980.49,"endTime":984.0,"body":"get you that money. So it's a"},{"speaker":"Unknown","startTime":984.0,"endTime":988.86,"body":"very, very good way to get"},{"speaker":"Unknown","startTime":984.0,"endTime":988.86,"body":"access to capital and get into"},{"speaker":"Unknown","startTime":988.86,"endTime":990.81,"body":"business very quickly. If you"},{"speaker":"Unknown","startTime":988.86,"endTime":990.81,"body":"know what you're doing. Of"},{"speaker":"Unknown","startTime":990.81,"endTime":993.78,"body":"course, you still have to put"},{"speaker":"Unknown","startTime":990.81,"endTime":993.78,"body":"the legwork in of actually, you"},{"speaker":"Unknown","startTime":993.78,"endTime":997.5,"body":"know, doing flipping the"},{"speaker":"Unknown","startTime":993.78,"endTime":997.5,"body":"property. Yeah, they're doing"},{"speaker":"Unknown","startTime":997.5,"endTime":997.98,"body":"right."},{"speaker":"Josh Bolton","startTime":998.79,"endTime":1000.83,"body":"Yeah, either you're"},{"speaker":"Josh Bolton","startTime":998.79,"endTime":1000.83,"body":"doing it yourself, or you're"},{"speaker":"Josh Bolton","startTime":1000.83,"endTime":1003.8,"body":"hiring a good contractor to do"},{"speaker":"Josh Bolton","startTime":1000.83,"endTime":1003.8,"body":"it. Either way, you're gonna"},{"speaker":"Josh Bolton","startTime":1003.8,"endTime":1007.76,"body":"have to do something. That's"},{"speaker":"Josh Bolton","startTime":1003.8,"endTime":1007.76,"body":"interesting. So what exactly is,"},{"speaker":"Josh Bolton","startTime":1008.51,"endTime":1010.97,"body":"so I'm sure we hit a couple of"},{"speaker":"Josh Bolton","startTime":1008.51,"endTime":1010.97,"body":"steps, they were talking about"},{"speaker":"Josh Bolton","startTime":1010.97,"endTime":1015.35,"body":"one of the the 20 steps, what"},{"speaker":"Josh Bolton","startTime":1010.97,"endTime":1015.35,"body":"are a few that I might miss that"},{"speaker":"Josh Bolton","startTime":1015.35,"endTime":1016.46,"body":"I'm not familiar with?"},{"speaker":"Unknown","startTime":1017.78,"endTime":1021.08,"body":"Sure. So a few things"},{"speaker":"Unknown","startTime":1017.78,"endTime":1021.08,"body":"that people will just kind of"},{"speaker":"Unknown","startTime":1021.08,"endTime":1025.28,"body":"overlook, or don't even realize,"},{"speaker":"Unknown","startTime":1021.08,"endTime":1025.28,"body":"matter. Let's start with the"},{"speaker":"Unknown","startTime":1025.28,"endTime":1029.0,"body":"basics. So the things that are"},{"speaker":"Unknown","startTime":1025.28,"endTime":1029.0,"body":"called a lender compliance, this"},{"speaker":"Unknown","startTime":1029.0,"endTime":1033.29,"body":"would be things like, if you are"},{"speaker":"Unknown","startTime":1029.0,"endTime":1033.29,"body":"normally putting your cell phone"},{"speaker":"Unknown","startTime":1033.29,"endTime":1035.36,"body":"down, you know, your personal"},{"speaker":"Unknown","startTime":1033.29,"endTime":1035.36,"body":"cell phone number on these"},{"speaker":"Unknown","startTime":1035.36,"endTime":1038.78,"body":"applications for the bank, you"},{"speaker":"Unknown","startTime":1035.36,"endTime":1038.78,"body":"really need to be putting down a"},{"speaker":"Unknown","startTime":1038.78,"endTime":1041.75,"body":"business phone number that are"},{"speaker":"Unknown","startTime":1038.78,"endTime":1041.75,"body":"going to check, this would be a"},{"speaker":"Unknown","startTime":1041.75,"endTime":1045.29,"body":"411 registered business phone"},{"speaker":"Unknown","startTime":1041.75,"endTime":1045.29,"body":"number. Same with your address,"},{"speaker":"Unknown","startTime":1045.29,"endTime":1047.54,"body":"you need to make sure that you"},{"speaker":"Unknown","startTime":1045.29,"endTime":1047.54,"body":"have a dedicated business"},{"speaker":"Unknown","startTime":1047.54,"endTime":1050.78,"body":"address, not just your house,"},{"speaker":"Unknown","startTime":1047.54,"endTime":1050.78,"body":"even if you have a home office"},{"speaker":"Unknown","startTime":1050.81,"endTime":1054.86,"body":"still need a dedicated business"},{"speaker":"Unknown","startTime":1050.81,"endTime":1054.86,"body":"address. Another one is your"},{"speaker":"Unknown","startTime":1054.86,"endTime":1059.81,"body":"email, you might be putting you"},{"speaker":"Unknown","startTime":1054.86,"endTime":1059.81,"body":"know bob.hunter@gmail.com When"},{"speaker":"Unknown","startTime":1059.81,"endTime":1064.1,"body":"it should be Bob dot Hunter at"},{"speaker":"Unknown","startTime":1059.81,"endTime":1064.1,"body":"Oxford pierpont.com. Basically"},{"speaker":"Unknown","startTime":1064.13,"endTime":1067.76,"body":"saying that you need to make"},{"speaker":"Unknown","startTime":1064.13,"endTime":1067.76,"body":"sure you've got your name at"},{"speaker":"Unknown","startTime":1067.76,"endTime":1072.8,"body":"your business.com or dot"},{"speaker":"Unknown","startTime":1067.76,"endTime":1072.8,"body":"whatever, as a legitimate email"},{"speaker":"Unknown","startTime":1072.8,"endTime":1076.1,"body":"that just further gives the bank"},{"speaker":"Unknown","startTime":1072.8,"endTime":1076.1,"body":"comfort that you are a real"},{"speaker":"Unknown","startTime":1076.1,"endTime":1079.61,"body":"business, right. You also want"},{"speaker":"Unknown","startTime":1076.1,"endTime":1079.61,"body":"to make sure that you'd have a"},{"speaker":"Unknown","startTime":1079.61,"endTime":1082.67,"body":"website for your business, they"},{"speaker":"Unknown","startTime":1079.61,"endTime":1082.67,"body":"will check that basically"},{"speaker":"Unknown","startTime":1082.67,"endTime":1087.47,"body":"they're trying to find out. If"},{"speaker":"Unknown","startTime":1082.67,"endTime":1087.47,"body":"you are actually a business that"},{"speaker":"Unknown","startTime":1087.83,"endTime":1090.47,"body":"is legitimate and has been in"},{"speaker":"Unknown","startTime":1087.83,"endTime":1090.47,"body":"business for some time, they're"},{"speaker":"Unknown","startTime":1090.47,"endTime":1093.8,"body":"looking for that they're looking"},{"speaker":"Unknown","startTime":1090.47,"endTime":1093.8,"body":"for your state registrations,"},{"speaker":"Unknown","startTime":1093.86,"endTime":1096.05,"body":"they want to make sure that"},{"speaker":"Unknown","startTime":1093.86,"endTime":1096.05,"body":"you're not only registered with"},{"speaker":"Unknown","startTime":1096.05,"endTime":1099.62,"body":"your local Secretary of State,"},{"speaker":"Unknown","startTime":1096.05,"endTime":1099.62,"body":"but you are also in good"},{"speaker":"Unknown","startTime":1099.62,"endTime":1104.18,"body":"standing and in compliance with"},{"speaker":"Unknown","startTime":1099.62,"endTime":1104.18,"body":"Secretary of State. A few other"},{"speaker":"Unknown","startTime":1104.18,"endTime":1107.96,"body":"things, if you are going to be"},{"speaker":"Unknown","startTime":1104.18,"endTime":1107.96,"body":"getting higher amounts, they"},{"speaker":"Unknown","startTime":1107.96,"endTime":1110.45,"body":"would like for you to be in"},{"speaker":"Unknown","startTime":1107.96,"endTime":1110.45,"body":"business for at least two years,"},{"speaker":"Unknown","startTime":1110.78,"endTime":1114.02,"body":"they would like for you to have"},{"speaker":"Unknown","startTime":1110.78,"endTime":1114.02,"body":"at least $10,000 per month and"},{"speaker":"Unknown","startTime":1114.41,"endTime":1117.38,"body":"in recurring revenue coming in,"},{"speaker":"Unknown","startTime":1114.41,"endTime":1117.38,"body":"they'd like for you to have a"},{"speaker":"Unknown","startTime":1117.38,"endTime":1120.05,"body":"bank rating of five or higher,"},{"speaker":"Unknown","startTime":1117.38,"endTime":1120.05,"body":"that means that you are keeping"},{"speaker":"Unknown","startTime":1120.05,"endTime":1124.91,"body":"at least $10,000 per month in"},{"speaker":"Unknown","startTime":1120.05,"endTime":1124.91,"body":"your account or more. There's"},{"speaker":"Unknown","startTime":1125.57,"endTime":1129.38,"body":"there's a long list. But"},{"speaker":"Unknown","startTime":1125.57,"endTime":1129.38,"body":"basically all of these things"},{"speaker":"Unknown","startTime":1129.41,"endTime":1132.98,"body":"help the bank answer that one"},{"speaker":"Unknown","startTime":1129.41,"endTime":1132.98,"body":"question of if I give you money,"},{"speaker":"Unknown","startTime":1132.98,"endTime":1136.1,"body":"will you pay it back? Every time"},{"speaker":"Unknown","startTime":1132.98,"endTime":1136.1,"body":"that the answer to one of those"},{"speaker":"Unknown","startTime":1136.1,"endTime":1139.43,"body":"questions is no, that increases"},{"speaker":"Unknown","startTime":1136.1,"endTime":1139.43,"body":"the likelihood from the bank's"},{"speaker":"Unknown","startTime":1139.43,"endTime":1142.07,"body":"perspective that you're going to"},{"speaker":"Unknown","startTime":1139.43,"endTime":1142.07,"body":"be someone who will default on"},{"speaker":"Unknown","startTime":1142.07,"endTime":1142.55,"body":"the loan."},{"speaker":"Josh Bolton","startTime":1146.21,"endTime":1147.56,"body":"Sir, I'm looking"},{"speaker":"Josh Bolton","startTime":1146.21,"endTime":1147.56,"body":"around like I've tried to"},{"speaker":"Josh Bolton","startTime":1147.56,"endTime":1149.51,"body":"process everything like he's"},{"speaker":"Josh Bolton","startTime":1147.56,"endTime":1149.51,"body":"given me gold right now. And"},{"speaker":"Josh Bolton","startTime":1149.51,"endTime":1152.18,"body":"remember this, oh, well, we're"},{"speaker":"Unknown","startTime":1152.18,"endTime":1154.1,"body":"actually going to be"},{"speaker":"Unknown","startTime":1152.18,"endTime":1154.1,"body":"putting all this on our website"},{"speaker":"Unknown","startTime":1154.52,"endTime":1159.02,"body":"for for free for everyone in a"},{"speaker":"Unknown","startTime":1154.52,"endTime":1159.02,"body":"few weeks here, so it'll be"},{"speaker":"Unknown","startTime":1159.02,"endTime":1159.62,"body":"there for you."},{"speaker":"Josh Bolton","startTime":1160.37,"endTime":1163.37,"body":"Awesome, then be"},{"speaker":"Josh Bolton","startTime":1160.37,"endTime":1163.37,"body":"checking in your site. And this"},{"speaker":"Josh Bolton","startTime":1163.37,"endTime":1167.21,"body":"is awesome. So that like already"},{"speaker":"Josh Bolton","startTime":1163.37,"endTime":1167.21,"body":"the I knew the business number,"},{"speaker":"Josh Bolton","startTime":1167.63,"endTime":1169.91,"body":"but I didn't because I was"},{"speaker":"Josh Bolton","startTime":1167.63,"endTime":1169.91,"body":"thinking like oh, just buying a"},{"speaker":"Josh Bolton","startTime":1169.91,"endTime":1174.29,"body":"nerd cricket number will cricket"},{"speaker":"Josh Bolton","startTime":1169.91,"endTime":1174.29,"body":"the mobile company listed then I"},{"speaker":"Josh Bolton","startTime":1174.29,"endTime":1178.46,"body":"would have to register it"},{"speaker":"Josh Bolton","startTime":1174.29,"endTime":1178.46,"body":"through my okay. This is good"},{"speaker":"Josh Bolton","startTime":1178.46,"endTime":1178.85,"body":"stuff."},{"speaker":"Unknown","startTime":1179.48,"endTime":1182.42,"body":"It's there are plenty"},{"speaker":"Unknown","startTime":1179.48,"endTime":1182.42,"body":"of companies that will give you"},{"speaker":"Unknown","startTime":1182.42,"endTime":1184.25,"body":"a phone number and there's"},{"speaker":"Unknown","startTime":1182.42,"endTime":1184.25,"body":"nothing stopping you from"},{"speaker":"Unknown","startTime":1184.25,"endTime":1187.49,"body":"forwarding that number to your"},{"speaker":"Unknown","startTime":1184.25,"endTime":1187.49,"body":"cell phone. But it still needs"},{"speaker":"Unknown","startTime":1187.49,"endTime":1191.21,"body":"to be an actual business number"},{"speaker":"Unknown","startTime":1187.49,"endTime":1191.21,"body":"that is registered. Like that is"},{"speaker":"Unknown","startTime":1191.21,"endTime":1194.84,"body":"like 411 or excuse me 411"},{"speaker":"Unknown","startTime":1191.21,"endTime":1194.84,"body":"registered like that is just"},{"speaker":"Unknown","startTime":1194.84,"endTime":1197.99,"body":"your business line. Banks really"},{"speaker":"Unknown","startTime":1194.84,"endTime":1197.99,"body":"look for that."},{"speaker":"Josh Bolton","startTime":1199.16,"endTime":1201.83,"body":"form one one"},{"speaker":"Josh Bolton","startTime":1199.16,"endTime":1201.83,"body":"registered, okay, is there like"},{"speaker":"Josh Bolton","startTime":1201.83,"endTime":1203.96,"body":"a specific site I would need to"},{"speaker":"Josh Bolton","startTime":1201.83,"endTime":1203.96,"body":"go to for that"},{"speaker":"Unknown","startTime":1205.52,"endTime":1208.55,"body":"there are plenty. So"},{"speaker":"Unknown","startTime":1205.52,"endTime":1208.55,"body":"um, on our website, there is a"},{"speaker":"Unknown","startTime":1208.55,"endTime":1212.09,"body":"Resources tab right on the"},{"speaker":"Unknown","startTime":1208.55,"endTime":1212.09,"body":"homepage. And in those"},{"speaker":"Unknown","startTime":1212.09,"endTime":1214.79,"body":"resources, you'll see where it"},{"speaker":"Unknown","startTime":1212.09,"endTime":1214.79,"body":"says marketplace, there are a"},{"speaker":"Unknown","startTime":1214.79,"endTime":1217.13,"body":"lot of phone companies that we"},{"speaker":"Unknown","startTime":1214.79,"endTime":1217.13,"body":"recommend, like go to"},{"speaker":"Unknown","startTime":1217.13,"endTime":1221.54,"body":"RingCentral manage any one of"},{"speaker":"Unknown","startTime":1217.13,"endTime":1221.54,"body":"those can get you a number for"},{"speaker":"Unknown","startTime":1221.54,"endTime":1226.01,"body":"the address, you can actually"},{"speaker":"Unknown","startTime":1221.54,"endTime":1226.01,"body":"use I postal, but I postal"},{"speaker":"Unknown","startTime":1226.07,"endTime":1228.86,"body":"actually provides phone numbers"},{"speaker":"Unknown","startTime":1226.07,"endTime":1228.86,"body":"as well. So you can kind of kill"},{"speaker":"Unknown","startTime":1228.86,"endTime":1231.92,"body":"two birds with one stone there,"},{"speaker":"Unknown","startTime":1228.86,"endTime":1231.92,"body":"you can find links to all that"},{"speaker":"Unknown","startTime":1231.92,"endTime":1234.92,"body":"stuff in our website under"},{"speaker":"Unknown","startTime":1231.92,"endTime":1234.92,"body":"Resources. Under resources,"},{"speaker":"Unknown","startTime":1234.92,"endTime":1240.11,"body":"you'll also find very helpful,"},{"speaker":"Unknown","startTime":1234.92,"endTime":1240.11,"body":"we list out the vendors that you"},{"speaker":"Unknown","startTime":1240.11,"endTime":1243.35,"body":"might be able to use to get"},{"speaker":"Unknown","startTime":1240.11,"endTime":1243.35,"body":"vendor lines of credit, we tell"},{"speaker":"Unknown","startTime":1243.35,"endTime":1246.41,"body":"you exactly what credit bureaus,"},{"speaker":"Unknown","startTime":1243.35,"endTime":1246.41,"body":"they report to whether it's done"},{"speaker":"Unknown","startTime":1246.41,"endTime":1250.13,"body":"in Bradstreet, Experian, or"},{"speaker":"Unknown","startTime":1246.41,"endTime":1250.13,"body":"Equifax. And we tell you if they"},{"speaker":"Unknown","startTime":1250.13,"endTime":1254.51,"body":"have any net terms, so like net,"},{"speaker":"Unknown","startTime":1250.13,"endTime":1254.51,"body":"15, net 30. Net 60. And for"},{"speaker":"Unknown","startTime":1254.51,"endTime":1257.63,"body":"those of you who do not know"},{"speaker":"Unknown","startTime":1254.51,"endTime":1257.63,"body":"what net terms are, is basically"},{"speaker":"Unknown","startTime":1257.63,"endTime":1261.32,"body":"where the vendor says, Hey,"},{"speaker":"Unknown","startTime":1257.63,"endTime":1261.32,"body":"we're gonna give you the product"},{"speaker":"Unknown","startTime":1261.35,"endTime":1265.4,"body":"or the service today, and you"},{"speaker":"Unknown","startTime":1261.35,"endTime":1265.4,"body":"have 15 days to pay in the case"},{"speaker":"Unknown","startTime":1265.4,"endTime":1268.49,"body":"of Netflix team or you've got 90"},{"speaker":"Unknown","startTime":1265.4,"endTime":1268.49,"body":"days to pay in the case of a net"},{"speaker":"Unknown","startTime":1268.49,"endTime":1271.67,"body":"90. Basically, you want to make"},{"speaker":"Unknown","startTime":1268.49,"endTime":1271.67,"body":"sure that your bill is paid in"},{"speaker":"Unknown","startTime":1271.67,"endTime":1275.54,"body":"full by whatever that term data"},{"speaker":"Unknown","startTime":1271.67,"endTime":1275.54,"body":"is. That way, you're always in"},{"speaker":"Unknown","startTime":1275.54,"endTime":1278.69,"body":"good standing with them, you"},{"speaker":"Unknown","startTime":1275.54,"endTime":1278.69,"body":"need 15 accounts total on your"},{"speaker":"Unknown","startTime":1278.69,"endTime":1281.84,"body":"credit report. And those vendor"},{"speaker":"Unknown","startTime":1278.69,"endTime":1281.84,"body":"lines of credit will help you"},{"speaker":"Unknown","startTime":1281.84,"endTime":1284.48,"body":"get to that number 15. And make"},{"speaker":"Unknown","startTime":1281.84,"endTime":1284.48,"body":"sure you keep them all in good"},{"speaker":"Unknown","startTime":1284.48,"endTime":1288.05,"body":"standing, then boom, your credit"},{"speaker":"Unknown","startTime":1284.48,"endTime":1288.05,"body":"score your business credit score"},{"speaker":"Unknown","startTime":1288.08,"endTime":1289.85,"body":"just slowly inches up."},{"speaker":"Josh Bolton","startTime":1291.59,"endTime":1294.26,"body":"Something these"},{"speaker":"Josh Bolton","startTime":1291.59,"endTime":1294.26,"body":"vendors or doesn't matter in"},{"speaker":"Josh Bolton","startTime":1294.26,"endTime":1297.38,"body":"particular, which vendor or it's"},{"speaker":"Josh Bolton","startTime":1294.26,"endTime":1297.38,"body":"just 15 vendors in general,"},{"speaker":"Unknown","startTime":1298.67,"endTime":1301.58,"body":"the wall not even just"},{"speaker":"Unknown","startTime":1298.67,"endTime":1301.58,"body":"a team vendors, it can be a mix"},{"speaker":"Unknown","startTime":1301.58,"endTime":1304.73,"body":"of credit cards, business lines"},{"speaker":"Unknown","startTime":1301.58,"endTime":1304.73,"body":"of credit and vendors for a"},{"speaker":"Unknown","startTime":1304.73,"endTime":1307.97,"body":"total of 15. When it comes to"},{"speaker":"Unknown","startTime":1304.73,"endTime":1307.97,"body":"the vendors, the main thing that"},{"speaker":"Unknown","startTime":1307.97,"endTime":1311.69,"body":"matters is that they actually"},{"speaker":"Unknown","startTime":1307.97,"endTime":1311.69,"body":"report to the Bureau's if they"},{"speaker":"Unknown","startTime":1311.69,"endTime":1314.33,"body":"don't mean that doesn't mean"},{"speaker":"Unknown","startTime":1311.69,"endTime":1314.33,"body":"don't work with that vendor."},{"speaker":"Unknown","startTime":1314.36,"endTime":1316.67,"body":"It's just so you'd have to be"},{"speaker":"Unknown","startTime":1314.36,"endTime":1316.67,"body":"conscious of the fact that"},{"speaker":"Unknown","startTime":1317.06,"endTime":1320.18,"body":"working with that vendor isn't"},{"speaker":"Unknown","startTime":1317.06,"endTime":1320.18,"body":"really going to help you from a"},{"speaker":"Unknown","startTime":1320.18,"endTime":1322.52,"body":"business credit building"},{"speaker":"Unknown","startTime":1320.18,"endTime":1322.52,"body":"perspective, because no one's"},{"speaker":"Unknown","startTime":1322.52,"endTime":1323.06,"body":"reporting."},{"speaker":"Josh Bolton","startTime":1324.62,"endTime":1327.65,"body":"Good points. Yeah."},{"speaker":"Josh Bolton","startTime":1324.62,"endTime":1327.65,"body":"But it's like maybe it's one of"},{"speaker":"Josh Bolton","startTime":1327.65,"endTime":1331.64,"body":"those, they're hardworking, and"},{"speaker":"Josh Bolton","startTime":1327.65,"endTime":1331.64,"body":"they're trustworthy, but they're"},{"speaker":"Josh Bolton","startTime":1331.64,"endTime":1336.95,"body":"not going to necessarily tell"},{"speaker":"Josh Bolton","startTime":1331.64,"endTime":1336.95,"body":"the others about the credit"},{"speaker":"Josh Bolton","startTime":1337.49,"endTime":1338.45,"body":"between us."},{"speaker":"Unknown","startTime":1338.81,"endTime":1343.19,"body":"Exactly. Exactly."},{"speaker":"Unknown","startTime":1338.81,"endTime":1343.19,"body":"Exactly. And that mean, vendors,"},{"speaker":"Unknown","startTime":1343.22,"endTime":1345.56,"body":"I mean, that can be something as"},{"speaker":"Unknown","startTime":1343.22,"endTime":1345.56,"body":"simple as a gas card or"},{"speaker":"Unknown","startTime":1345.56,"endTime":1348.56,"body":"something as complicated as, I"},{"speaker":"Unknown","startTime":1345.56,"endTime":1348.56,"body":"don't know, maybe you sell T"},{"speaker":"Unknown","startTime":1348.56,"endTime":1351.59,"body":"shirts, if you've got a t shirt"},{"speaker":"Unknown","startTime":1348.56,"endTime":1351.59,"body":"vendor that's always giving you"},{"speaker":"Unknown","startTime":1352.04,"endTime":1355.31,"body":"you know, those products, or"},{"speaker":"Unknown","startTime":1352.04,"endTime":1355.31,"body":"maybe you manufacture something,"},{"speaker":"Unknown","startTime":1355.61,"endTime":1358.46,"body":"and instead of just buying all"},{"speaker":"Unknown","startTime":1355.61,"endTime":1358.46,"body":"of your stuff from various"},{"speaker":"Unknown","startTime":1358.61,"endTime":1361.46,"body":"suppliers, you're taking the"},{"speaker":"Unknown","startTime":1358.61,"endTime":1361.46,"body":"extra time to say to each"},{"speaker":"Unknown","startTime":1361.46,"endTime":1365.81,"body":"supplier, hey, do you all report"},{"speaker":"Unknown","startTime":1361.46,"endTime":1365.81,"body":"to Dun and Bradstreet or Equifax"},{"speaker":"Unknown","startTime":1365.81,"endTime":1369.17,"body":"or whoever? That way you at"},{"speaker":"Unknown","startTime":1365.81,"endTime":1369.17,"body":"least know that this particular"},{"speaker":"Unknown","startTime":1369.17,"endTime":1372.53,"body":"supplier when you're buying for"},{"speaker":"Unknown","startTime":1369.17,"endTime":1372.53,"body":"them from them, you're still"},{"speaker":"Unknown","startTime":1372.53,"endTime":1374.78,"body":"gonna get credit for it from a"},{"speaker":"Unknown","startTime":1372.53,"endTime":1374.78,"body":"business credit perspective?"},{"speaker":"Unknown","startTime":1375.2,"endTime":1378.17,"body":"Getting again, yet another use"},{"speaker":"Unknown","startTime":1375.2,"endTime":1378.17,"body":"out of every dollar."},{"speaker":"Josh Bolton","startTime":1379.28,"endTime":1383.03,"body":"Right? Yeah, it's"},{"speaker":"Josh Bolton","startTime":1379.28,"endTime":1383.03,"body":"like, maybe you have like the t"},{"speaker":"Josh Bolton","startTime":1383.03,"endTime":1385.58,"body":"shirt analogy you gave earlier."},{"speaker":"Josh Bolton","startTime":1383.03,"endTime":1385.58,"body":"Maybe you have one t shirt"},{"speaker":"Josh Bolton","startTime":1385.58,"endTime":1388.4,"body":"wholesaler that gives you an"},{"speaker":"Josh Bolton","startTime":1385.58,"endTime":1388.4,"body":"amazing deals, but he doesn't"},{"speaker":"Josh Bolton","startTime":1388.4,"endTime":1391.4,"body":"report like the savings is worth"},{"speaker":"Josh Bolton","startTime":1388.4,"endTime":1391.4,"body":"a sack. So you're not getting"},{"speaker":"Josh Bolton","startTime":1391.76,"endTime":1392.72,"body":"the double hit but"},{"speaker":"Unknown","startTime":1393.77,"endTime":1397.34,"body":"Right, right. And I"},{"speaker":"Unknown","startTime":1393.77,"endTime":1397.34,"body":"mean, it's, it's one of those"},{"speaker":"Unknown","startTime":1397.34,"endTime":1400.37,"body":"things you kind of have to do"},{"speaker":"Unknown","startTime":1397.34,"endTime":1400.37,"body":"long term math for because you"},{"speaker":"Unknown","startTime":1400.37,"endTime":1403.82,"body":"might be saving money today. But"},{"speaker":"Unknown","startTime":1400.37,"endTime":1403.82,"body":"maybe by having a vendor who was"},{"speaker":"Unknown","startTime":1403.82,"endTime":1406.73,"body":"actually reporting and boosting"},{"speaker":"Unknown","startTime":1403.82,"endTime":1406.73,"body":"your business credit score, you"},{"speaker":"Unknown","startTime":1406.73,"endTime":1409.19,"body":"might have been able to get"},{"speaker":"Unknown","startTime":1406.73,"endTime":1409.19,"body":"access to more money later. So"},{"speaker":"Unknown","startTime":1409.19,"endTime":1411.98,"body":"you just kind of have to weigh"},{"speaker":"Unknown","startTime":1409.19,"endTime":1411.98,"body":"the pros and cons of that. But"},{"speaker":"Unknown","startTime":1411.98,"endTime":1413.87,"body":"that's part of having a"},{"speaker":"Unknown","startTime":1411.98,"endTime":1413.87,"body":"business. Right. It's part of"},{"speaker":"Unknown","startTime":1413.87,"endTime":1415.64,"body":"it. Right? That is part of"},{"speaker":"Josh Bolton","startTime":1415.64,"endTime":1419.9,"body":"the plan. Been for"},{"speaker":"Josh Bolton","startTime":1415.64,"endTime":1419.9,"body":"some,"},{"speaker":"Unknown","startTime":1421.16,"endTime":1424.25,"body":"but for some Yeah. As"},{"speaker":"Unknown","startTime":1421.16,"endTime":1424.25,"body":"soon as I said, I realized,"},{"speaker":"Unknown","startTime":1424.25,"endTime":1425.84,"body":"well, that doesn't sound very"},{"speaker":"Unknown","startTime":1424.25,"endTime":1425.84,"body":"fun at all."},{"speaker":"Josh Bolton","startTime":1427.34,"endTime":1433.88,"body":"That was a joke."},{"speaker":"Josh Bolton","startTime":1427.34,"endTime":1433.88,"body":"Man. So yeah, that's"},{"speaker":"Josh Bolton","startTime":1433.88,"endTime":1438.98,"body":"interesting. So how, let's say,"},{"speaker":"Josh Bolton","startTime":1433.88,"endTime":1438.98,"body":"I do get my LLC, I go through I"},{"speaker":"Josh Bolton","startTime":1438.98,"endTime":1442.31,"body":"postal and get everything out"},{"speaker":"Josh Bolton","startTime":1438.98,"endTime":1442.31,"body":"who would ever talk to you for"},{"speaker":"Josh Bolton","startTime":1442.31,"endTime":1444.26,"body":"the grass gas card because you"},{"speaker":"Josh Bolton","startTime":1442.31,"endTime":1444.26,"body":"bring that up a lot?"},{"speaker":"Unknown","startTime":1446.18,"endTime":1448.58,"body":"Well, the reason I"},{"speaker":"Unknown","startTime":1446.18,"endTime":1448.58,"body":"bring up the gas card is because"},{"speaker":"Unknown","startTime":1448.58,"endTime":1452.51,"body":"I live in Atlanta, and you can't"},{"speaker":"Unknown","startTime":1448.58,"endTime":1452.51,"body":"get anywhere without a car in"},{"speaker":"Unknown","startTime":1452.51,"endTime":1455.09,"body":"Atlanta. I mean, I guess"},{"speaker":"Unknown","startTime":1452.51,"endTime":1455.09,"body":"technically they have the bus,"},{"speaker":"Unknown","startTime":1455.09,"endTime":1458.39,"body":"but the bus takes forever so"},{"speaker":"Unknown","startTime":1455.09,"endTime":1458.39,"body":"people almost always have a car"},{"speaker":"Unknown","startTime":1458.39,"endTime":1462.62,"body":"for the most part. So like it's"},{"speaker":"Unknown","startTime":1458.39,"endTime":1462.62,"body":"low hanging fruit, because it's"},{"speaker":"Unknown","startTime":1462.62,"endTime":1465.56,"body":"money that you are almost"},{"speaker":"Unknown","startTime":1462.62,"endTime":1465.56,"body":"guaranteed to be spending"},{"speaker":"Unknown","startTime":1465.56,"endTime":1468.41,"body":"anyway. So if you were gonna"},{"speaker":"Unknown","startTime":1465.56,"endTime":1468.41,"body":"have to spend that money"},{"speaker":"Unknown","startTime":1468.41,"endTime":1472.37,"body":"regardless, you might as well be"},{"speaker":"Unknown","startTime":1468.41,"endTime":1472.37,"body":"getting credit for it. So if you"},{"speaker":"Unknown","startTime":1472.4,"endTime":1476.66,"body":"are on our website, you click on"},{"speaker":"Unknown","startTime":1472.4,"endTime":1476.66,"body":"vendors under the under the"},{"speaker":"Unknown","startTime":1476.66,"endTime":1481.25,"body":"resources tab. You can filter by"},{"speaker":"Unknown","startTime":1476.66,"endTime":1481.25,"body":"gas cards, and you'll see"},{"speaker":"Unknown","startTime":1481.52,"endTime":1485.69,"body":"there's like you know, all your"},{"speaker":"Unknown","startTime":1481.52,"endTime":1485.69,"body":"big gas stations Kwik Trip is"},{"speaker":"Unknown","startTime":1485.69,"endTime":1489.32,"body":"really big down here. You"},{"speaker":"Unknown","startTime":1485.69,"endTime":1489.32,"body":"basically apply for that card"},{"speaker":"Unknown","startTime":1489.32,"endTime":1492.47,"body":"and now whenever you're filling"},{"speaker":"Unknown","startTime":1489.32,"endTime":1492.47,"body":"up, you make sure that you"},{"speaker":"Unknown","startTime":1492.47,"endTime":1496.01,"body":"always use that gas card and"},{"speaker":"Unknown","startTime":1492.47,"endTime":1496.01,"body":"just like any other credit you"},{"speaker":"Unknown","startTime":1496.01,"endTime":1499.1,"body":"pay it at the end of the month"},{"speaker":"Unknown","startTime":1496.01,"endTime":1499.1,"body":"in full. Always pay your bills"},{"speaker":"Unknown","startTime":1499.1,"endTime":1503.15,"body":"in full that matter. was a lot,"},{"speaker":"Unknown","startTime":1499.1,"endTime":1503.15,"body":"but you paid in full. And now"},{"speaker":"Unknown","startTime":1503.18,"endTime":1505.94,"body":"great. Now you've gotten to"},{"speaker":"Unknown","startTime":1503.18,"endTime":1505.94,"body":"users out of the money, not to"},{"speaker":"Unknown","startTime":1505.94,"endTime":1508.25,"body":"mention you're able to delay"},{"speaker":"Unknown","startTime":1505.94,"endTime":1508.25,"body":"having to pay in the first"},{"speaker":"Unknown","startTime":1508.25,"endTime":1509.12,"body":"place. So."},{"speaker":"Josh Bolton","startTime":1510.5,"endTime":1513.98,"body":"So when you say pay"},{"speaker":"Josh Bolton","startTime":1510.5,"endTime":1513.98,"body":"in full, let's say I did $80,"},{"speaker":"Josh Bolton","startTime":1514.1,"endTime":1518.33,"body":"Phillip of my tank, what I paid"},{"speaker":"Josh Bolton","startTime":1514.1,"endTime":1518.33,"body":"the full 80 off, or the minimum"},{"speaker":"Josh Bolton","startTime":1518.36,"endTime":1519.47,"body":"a request for the month."},{"speaker":"Unknown","startTime":1520.28,"endTime":1521.93,"body":"Because I've heard if"},{"speaker":"Unknown","startTime":1520.28,"endTime":1521.93,"body":"you paid, I would never"},{"speaker":"Unknown","startTime":1521.93,"endTime":1527.78,"body":"recommend paying the minimum."},{"speaker":"Unknown","startTime":1521.93,"endTime":1527.78,"body":"Okay? Here's why I say that. You"},{"speaker":"Unknown","startTime":1527.78,"endTime":1530.99,"body":"want to make sure that your"},{"speaker":"Unknown","startTime":1527.78,"endTime":1530.99,"body":"utilization is always as low as"},{"speaker":"Unknown","startTime":1530.99,"endTime":1534.83,"body":"possible. And so it's great to"},{"speaker":"Unknown","startTime":1530.99,"endTime":1534.83,"body":"have the benefit of being able"},{"speaker":"Unknown","startTime":1534.83,"endTime":1538.7,"body":"to delay a payment. But people"},{"speaker":"Unknown","startTime":1534.83,"endTime":1538.7,"body":"get into trouble when they start"},{"speaker":"Unknown","startTime":1538.7,"endTime":1541.88,"body":"paying the minimums because now"},{"speaker":"Unknown","startTime":1538.7,"endTime":1541.88,"body":"balances start to add up."},{"speaker":"Unknown","startTime":1542.39,"endTime":1546.02,"body":"Because now you're carrying over"},{"speaker":"Unknown","startTime":1542.39,"endTime":1546.02,"body":"this month's expenses into the"},{"speaker":"Unknown","startTime":1546.02,"endTime":1550.13,"body":"next month. And if you have a"},{"speaker":"Unknown","startTime":1546.02,"endTime":1550.13,"body":"limited amount of money as your"},{"speaker":"Unknown","startTime":1550.13,"endTime":1553.61,"body":"resource, Will, you're setting"},{"speaker":"Unknown","startTime":1550.13,"endTime":1553.61,"body":"yourself up for failure, because"},{"speaker":"Unknown","startTime":1553.61,"endTime":1557.54,"body":"at some point you're gonna run"},{"speaker":"Unknown","startTime":1553.61,"endTime":1557.54,"body":"out, it's better to only limit"},{"speaker":"Unknown","startTime":1557.54,"endTime":1560.0,"body":"yourself to money that you are"},{"speaker":"Unknown","startTime":1557.54,"endTime":1560.0,"body":"going to spend anyway when it"},{"speaker":"Unknown","startTime":1560.0,"endTime":1563.54,"body":"comes to credit. Because let's"},{"speaker":"Unknown","startTime":1560.0,"endTime":1563.54,"body":"say that you are already going"},{"speaker":"Unknown","startTime":1563.54,"endTime":1568.52,"body":"to spend $80 on that, Philip,"},{"speaker":"Unknown","startTime":1563.54,"endTime":1568.52,"body":"just pay that full $80 Don't get"},{"speaker":"Unknown","startTime":1568.52,"endTime":1571.25,"body":"don't don't do the partial, I"},{"speaker":"Unknown","startTime":1568.52,"endTime":1571.25,"body":"know that people sometimes do it"},{"speaker":"Unknown","startTime":1571.25,"endTime":1573.65,"body":"like Oh, I'm just gonna pay the"},{"speaker":"Unknown","startTime":1571.25,"endTime":1573.65,"body":"minimum, you end up incurring"},{"speaker":"Unknown","startTime":1573.65,"endTime":1577.43,"body":"interest now, you end up pissing"},{"speaker":"Unknown","startTime":1573.65,"endTime":1577.43,"body":"off your vendors and running the"},{"speaker":"Unknown","startTime":1577.43,"endTime":1582.89,"body":"risk of, of I guess tarnishing"},{"speaker":"Unknown","startTime":1577.43,"endTime":1582.89,"body":"those relationship relationships"},{"speaker":"Unknown","startTime":1582.89,"endTime":1585.89,"body":"because you're not paying your"},{"speaker":"Unknown","startTime":1582.89,"endTime":1585.89,"body":"bill as agreed. And you just end"},{"speaker":"Unknown","startTime":1585.89,"endTime":1589.55,"body":"up running into problems. And"},{"speaker":"Unknown","startTime":1585.89,"endTime":1589.55,"body":"then you're also taking more of"},{"speaker":"Unknown","startTime":1589.55,"endTime":1593.15,"body":"a personal credit approach to"},{"speaker":"Unknown","startTime":1589.55,"endTime":1593.15,"body":"something that really should be"},{"speaker":"Unknown","startTime":1593.15,"endTime":1596.48,"body":"handled as business credit. So"},{"speaker":"Unknown","startTime":1593.15,"endTime":1596.48,"body":"does that make sense?"},{"speaker":"Josh Bolton","startTime":1598.01,"endTime":1601.73,"body":"It was probably"},{"speaker":"Josh Bolton","startTime":1598.01,"endTime":1601.73,"body":"something like a Grant Cardone"},{"speaker":"Josh Bolton","startTime":1601.73,"endTime":1604.28,"body":"talk or whatever, where they're"},{"speaker":"Josh Bolton","startTime":1601.73,"endTime":1604.28,"body":"like, only pay the minimum, one"},{"speaker":"Josh Bolton","startTime":1604.28,"endTime":1607.61,"body":"bike, that doesn't sound smart,"},{"speaker":"Josh Bolton","startTime":1604.28,"endTime":1607.61,"body":"but a lot of people and I keep"},{"speaker":"Josh Bolton","startTime":1607.61,"endTime":1609.14,"body":"saying so I guess my favorite"},{"speaker":"Josh Bolton","startTime":1607.61,"endTime":1609.14,"body":"thing."},{"speaker":"Unknown","startTime":1610.79,"endTime":1613.76,"body":"I mean, you know, I"},{"speaker":"Unknown","startTime":1610.79,"endTime":1613.76,"body":"always say only stupid people"},{"speaker":"Unknown","startTime":1613.76,"endTime":1618.59,"body":"know everything. So that's a"},{"speaker":"Unknown","startTime":1613.76,"endTime":1618.59,"body":"good, I definitely would not, I"},{"speaker":"Unknown","startTime":1618.59,"endTime":1621.44,"body":"definitely would not disagree"},{"speaker":"Unknown","startTime":1618.59,"endTime":1621.44,"body":"with Grant Cardone in that way."},{"speaker":"Unknown","startTime":1621.44,"endTime":1623.93,"body":"But I will say from personal"},{"speaker":"Unknown","startTime":1621.44,"endTime":1623.93,"body":"experience, and just what I've"},{"speaker":"Unknown","startTime":1623.93,"endTime":1629.63,"body":"seen, people have this stigma"},{"speaker":"Unknown","startTime":1623.93,"endTime":1629.63,"body":"about credit in general. And it"},{"speaker":"Unknown","startTime":1629.63,"endTime":1633.86,"body":"really has a lot to do with how"},{"speaker":"Unknown","startTime":1629.63,"endTime":1633.86,"body":"credit gets handled. So let's"},{"speaker":"Unknown","startTime":1633.86,"endTime":1637.19,"body":"say that we're talking about"},{"speaker":"Unknown","startTime":1633.86,"endTime":1637.19,"body":"personal credit here, okay, you"},{"speaker":"Unknown","startTime":1637.19,"endTime":1640.01,"body":"might have a credit card, let's"},{"speaker":"Unknown","startTime":1637.19,"endTime":1640.01,"body":"say that your credit card has a,"},{"speaker":"Unknown","startTime":1640.04,"endTime":1644.0,"body":"I don't know, $10,000 limit,"},{"speaker":"Unknown","startTime":1640.04,"endTime":1644.0,"body":"okay. And so over the course of"},{"speaker":"Unknown","startTime":1644.0,"endTime":1646.37,"body":"a month, people will swipe,"},{"speaker":"Unknown","startTime":1644.0,"endTime":1646.37,"body":"swipe, swipe, and all this"},{"speaker":"Unknown","startTime":1646.37,"endTime":1649.46,"body":"stuff, then the bill comes and"},{"speaker":"Unknown","startTime":1646.37,"endTime":1649.46,"body":"they've got a minimum payment,"},{"speaker":"Unknown","startTime":1649.49,"endTime":1652.91,"body":"they pay that, but you still"},{"speaker":"Unknown","startTime":1649.49,"endTime":1652.91,"body":"have this big balance. And now"},{"speaker":"Unknown","startTime":1652.91,"endTime":1655.73,"body":"you've also got interest added"},{"speaker":"Unknown","startTime":1652.91,"endTime":1655.73,"body":"to that, because he carried over"},{"speaker":"Unknown","startTime":1655.73,"endTime":1658.64,"body":"a balance. And you might still"},{"speaker":"Unknown","startTime":1655.73,"endTime":1658.64,"body":"need that credit card, and"},{"speaker":"Unknown","startTime":1658.64,"endTime":1661.67,"body":"you're still swiping and buying"},{"speaker":"Unknown","startTime":1658.64,"endTime":1661.67,"body":"stuff. And now you're just kind"},{"speaker":"Unknown","startTime":1661.67,"endTime":1664.88,"body":"of setting yourself up with a"},{"speaker":"Unknown","startTime":1661.67,"endTime":1664.88,"body":"hole. And now your credit score"},{"speaker":"Unknown","startTime":1664.88,"endTime":1667.4,"body":"starts to go down because you've"},{"speaker":"Unknown","startTime":1664.88,"endTime":1667.4,"body":"got this balance that you're"},{"speaker":"Unknown","startTime":1667.43,"endTime":1672.2,"body":"carrying over. The thing about"},{"speaker":"Unknown","startTime":1667.43,"endTime":1672.2,"body":"personal credit is that usually,"},{"speaker":"Unknown","startTime":1672.5,"endTime":1676.4,"body":"that bill is being paid by your"},{"speaker":"Unknown","startTime":1672.5,"endTime":1676.4,"body":"personal income, which is often"},{"speaker":"Unknown","startTime":1676.4,"endTime":1679.4,"body":"limited for most people, it's"},{"speaker":"Unknown","startTime":1676.4,"endTime":1679.4,"body":"whatever your job pays you in"},{"speaker":"Unknown","startTime":1679.4,"endTime":1682.55,"body":"most cases. So that's the amount"},{"speaker":"Unknown","startTime":1679.4,"endTime":1682.55,"body":"of money that you have to spend"},{"speaker":"Unknown","startTime":1682.79,"endTime":1686.39,"body":"on paying down any credit cards."},{"speaker":"Unknown","startTime":1682.79,"endTime":1686.39,"body":"With business, it's a little bit"},{"speaker":"Unknown","startTime":1686.39,"endTime":1689.09,"body":"different. Because with business"},{"speaker":"Unknown","startTime":1686.39,"endTime":1689.09,"body":"number one, the thing that"},{"speaker":"Unknown","startTime":1689.09,"endTime":1692.24,"body":"you're buying probably is"},{"speaker":"Unknown","startTime":1689.09,"endTime":1692.24,"body":"something that is an asset, not"},{"speaker":"Unknown","startTime":1692.24,"endTime":1695.12,"body":"a liability, meaning that it"},{"speaker":"Unknown","startTime":1692.24,"endTime":1695.12,"body":"makes money instead of just"},{"speaker":"Unknown","startTime":1695.12,"endTime":1698.66,"body":"costing money. So that's the"},{"speaker":"Unknown","startTime":1695.12,"endTime":1698.66,"body":"first difference. The second is"},{"speaker":"Unknown","startTime":1699.35,"endTime":1702.98,"body":"with a business, you're able to"},{"speaker":"Unknown","startTime":1699.35,"endTime":1702.98,"body":"generally make income that you"},{"speaker":"Unknown","startTime":1702.98,"endTime":1706.28,"body":"can then use to pay the card"},{"speaker":"Unknown","startTime":1702.98,"endTime":1706.28,"body":"back. And so or not even just"},{"speaker":"Unknown","startTime":1706.28,"endTime":1709.49,"body":"the card in this case, but the"},{"speaker":"Unknown","startTime":1706.28,"endTime":1709.49,"body":"debt in general, you're able to"},{"speaker":"Unknown","startTime":1709.49,"endTime":1711.71,"body":"take that money from the"},{"speaker":"Unknown","startTime":1709.49,"endTime":1711.71,"body":"business and now pay off that"},{"speaker":"Unknown","startTime":1711.71,"endTime":1715.7,"body":"debt because that debt has now"},{"speaker":"Unknown","startTime":1711.71,"endTime":1715.7,"body":"produced money with personal"},{"speaker":"Unknown","startTime":1715.7,"endTime":1718.49,"body":"credit. Debts don't usually"},{"speaker":"Unknown","startTime":1715.7,"endTime":1718.49,"body":"produce money they usually are"},{"speaker":"Unknown","startTime":1718.49,"endTime":1721.82,"body":"for buying things. So that's why"},{"speaker":"Unknown","startTime":1718.49,"endTime":1721.82,"body":"I say I wouldn't be careful"},{"speaker":"Unknown","startTime":1721.82,"endTime":1724.4,"body":"about taking personal credit"},{"speaker":"Unknown","startTime":1721.82,"endTime":1724.4,"body":"habits like only paying the"},{"speaker":"Unknown","startTime":1724.4,"endTime":1729.71,"body":"minimum over to a business, a"},{"speaker":"Unknown","startTime":1724.4,"endTime":1729.71,"body":"business credit card or business"},{"speaker":"Unknown","startTime":1729.71,"endTime":1732.92,"body":"line of credit whatever it is,"},{"speaker":"Unknown","startTime":1729.71,"endTime":1732.92,"body":"just because it's kind of"},{"speaker":"Unknown","startTime":1732.92,"endTime":1735.92,"body":"setting you up for failure down"},{"speaker":"Unknown","startTime":1732.92,"endTime":1735.92,"body":"the road, at least in my"},{"speaker":"Unknown","startTime":1735.92,"endTime":1739.55,"body":"opinion. Now again, other people"},{"speaker":"Unknown","startTime":1735.92,"endTime":1739.55,"body":"might think differently, but I"},{"speaker":"Unknown","startTime":1739.55,"endTime":1741.8,"body":"would not form that bad habit if"},{"speaker":"Unknown","startTime":1739.55,"endTime":1741.8,"body":"I can help it"},{"speaker":"Josh Bolton","startTime":1743.09,"endTime":1744.95,"body":"No, it's a it's a"},{"speaker":"Josh Bolton","startTime":1743.09,"endTime":1744.95,"body":"very good point that you bring"},{"speaker":"Josh Bolton","startTime":1744.95,"endTime":1750.59,"body":"up because it I've always paid"},{"speaker":"Josh Bolton","startTime":1744.95,"endTime":1750.59,"body":"aggressively on my personal line"},{"speaker":"Josh Bolton","startTime":1750.59,"endTime":1754.01,"body":"of credit. Just I don't like"},{"speaker":"Josh Bolton","startTime":1750.59,"endTime":1754.01,"body":"seeing debt so I just like make"},{"speaker":"Josh Bolton","startTime":1754.01,"endTime":1758.12,"body":"it go away as fast as possible."},{"speaker":"Josh Bolton","startTime":1754.01,"endTime":1758.12,"body":"But we have like for the"},{"speaker":"Josh Bolton","startTime":1758.12,"endTime":1760.67,"body":"business like different"},{"speaker":"Josh Bolton","startTime":1758.12,"endTime":1760.67,"body":"entrepreneurs I've had on the"},{"speaker":"Josh Bolton","startTime":1760.67,"endTime":1763.64,"body":"show they've even said to like"},{"speaker":"Josh Bolton","startTime":1760.67,"endTime":1763.64,"body":"yeah, we we took it we maxed out"},{"speaker":"Josh Bolton","startTime":1763.64,"endTime":1767.24,"body":"all our credit cards, cash"},{"speaker":"Josh Bolton","startTime":1763.64,"endTime":1767.24,"body":"advanced everything. I did that"},{"speaker":"Josh Bolton","startTime":1767.24,"endTime":1770.6,"body":"once by accident and I'm like"},{"speaker":"Josh Bolton","startTime":1767.24,"endTime":1770.6,"body":"God the interest in seen on cash"},{"speaker":"Josh Bolton","startTime":1770.6,"endTime":1774.5,"body":"you're bouncing. Yeah. But I'm"},{"speaker":"Josh Bolton","startTime":1770.6,"endTime":1774.5,"body":"sitting here going. They're"},{"speaker":"Josh Bolton","startTime":1774.5,"endTime":1776.78,"body":"like, Yeah, we just paid the"},{"speaker":"Josh Bolton","startTime":1774.5,"endTime":1776.78,"body":"minimum enough to not make the"},{"speaker":"Josh Bolton","startTime":1776.78,"endTime":1780.35,"body":"banks angry with us until we hit"},{"speaker":"Josh Bolton","startTime":1776.78,"endTime":1780.35,"body":"it big Mike. What if you didn't"},{"speaker":"Josh Bolton","startTime":1780.35,"endTime":1783.92,"body":"hit a big though? And he's like,"},{"speaker":"Josh Bolton","startTime":1780.35,"endTime":1783.92,"body":"Well damn, screw that."},{"speaker":"Unknown","startTime":1784.79,"endTime":1788.96,"body":"Yeah, yeah. I don't get"},{"speaker":"Unknown","startTime":1784.79,"endTime":1788.96,"body":"me wrong. I get why people would"},{"speaker":"Unknown","startTime":1788.96,"endTime":1795.08,"body":"do it. But it's your it's almost"},{"speaker":"Unknown","startTime":1788.96,"endTime":1795.08,"body":"like you're in Vegas and you're"},{"speaker":"Unknown","startTime":1795.08,"endTime":1799.73,"body":"gambling with your future at"},{"speaker":"Unknown","startTime":1795.08,"endTime":1799.73,"body":"that point. So if it's a habit"},{"speaker":"Unknown","startTime":1799.73,"endTime":1803.96,"body":"that you can avoid just avoided."},{"speaker":"Unknown","startTime":1799.73,"endTime":1803.96,"body":"Again, I understand why people"},{"speaker":"Unknown","startTime":1803.96,"endTime":1807.53,"body":"would, especially if money's"},{"speaker":"Unknown","startTime":1803.96,"endTime":1807.53,"body":"tight, but you're borrowing time"},{"speaker":"Unknown","startTime":1807.56,"endTime":1811.22,"body":"in that, from that perspective,"},{"speaker":"Unknown","startTime":1807.56,"endTime":1811.22,"body":"it might have been better to"},{"speaker":"Unknown","startTime":1811.22,"endTime":1815.51,"body":"slow down and revise your"},{"speaker":"Unknown","startTime":1811.22,"endTime":1815.51,"body":"marketing strategy or your"},{"speaker":"Unknown","startTime":1815.51,"endTime":1818.72,"body":"business plan or your operating"},{"speaker":"Unknown","startTime":1815.51,"endTime":1818.72,"body":"strategy in a way that produces"},{"speaker":"Unknown","startTime":1818.72,"endTime":1822.05,"body":"more revenue so that you don't"},{"speaker":"Unknown","startTime":1818.72,"endTime":1822.05,"body":"really have to play that risky"},{"speaker":"Unknown","startTime":1822.05,"endTime":1822.5,"body":"game."},{"speaker":"Josh Bolton","startTime":1824.36,"endTime":1826.73,"body":"Yeah, I agree. And"},{"speaker":"Josh Bolton","startTime":1824.36,"endTime":1826.73,"body":"that was a big one for me."},{"speaker":"Josh Bolton","startTime":1826.76,"endTime":1829.73,"body":"Because that's that was the"},{"speaker":"Josh Bolton","startTime":1826.76,"endTime":1829.73,"body":"final fall for him. I was the"},{"speaker":"Josh Bolton","startTime":1829.73,"endTime":1833.51,"body":"guy that set for multiple he was"},{"speaker":"Josh Bolton","startTime":1829.73,"endTime":1833.51,"body":"the final one. I asked him. I"},{"speaker":"Josh Bolton","startTime":1833.51,"endTime":1836.27,"body":"said, so what happened? If you"},{"speaker":"Josh Bolton","startTime":1833.51,"endTime":1836.27,"body":"didn't hit it big? He like, oh,"},{"speaker":"Josh Bolton","startTime":1836.27,"endTime":1839.66,"body":"have we so scared? He's like, I"},{"speaker":"Josh Bolton","startTime":1836.27,"endTime":1839.66,"body":"he's like, I've already had"},{"speaker":"Josh Bolton","startTime":1839.66,"endTime":1844.49,"body":"like, two bankruptcies? And I'm"},{"speaker":"Josh Bolton","startTime":1839.66,"endTime":1844.49,"body":"like, that's not good. Yeah,"},{"speaker":"Unknown","startTime":1844.85,"endTime":1847.7,"body":"it's a it's a very"},{"speaker":"Unknown","startTime":1844.85,"endTime":1847.7,"body":"risky way to do business. I"},{"speaker":"Unknown","startTime":1847.7,"endTime":1851.66,"body":"mean, it does work in some"},{"speaker":"Unknown","startTime":1847.7,"endTime":1851.66,"body":"cases. But it's a very risky"},{"speaker":"Unknown","startTime":1851.72,"endTime":1853.13,"body":"start to the process."},{"speaker":"Josh Bolton","startTime":1854.03,"endTime":1857.18,"body":"Yeah, it's like I"},{"speaker":"Josh Bolton","startTime":1854.03,"endTime":1857.18,"body":"tell a lot of people and it"},{"speaker":"Josh Bolton","startTime":1857.24,"endTime":1859.85,"body":"sounds like you're very similar"},{"speaker":"Josh Bolton","startTime":1857.24,"endTime":1859.85,"body":"mindset is like, just bootstrap"},{"speaker":"Josh Bolton","startTime":1859.85,"endTime":1863.03,"body":"it, make it work. Work within"},{"speaker":"Josh Bolton","startTime":1859.85,"endTime":1863.03,"body":"your means. And then as you"},{"speaker":"Josh Bolton","startTime":1863.03,"endTime":1865.13,"body":"grow, just throw everything back"},{"speaker":"Josh Bolton","startTime":1863.03,"endTime":1865.13,"body":"into it."},{"speaker":"Unknown","startTime":1866.51,"endTime":1869.51,"body":"Right, and I mean, use"},{"speaker":"Unknown","startTime":1866.51,"endTime":1869.51,"body":"other people's money whenever"},{"speaker":"Unknown","startTime":1869.51,"endTime":1873.05,"body":"you can. But there's a"},{"speaker":"Unknown","startTime":1869.51,"endTime":1873.05,"body":"difference when you're dealing"},{"speaker":"Unknown","startTime":1873.05,"endTime":1877.88,"body":"with people in the sense of like"},{"speaker":"Unknown","startTime":1873.05,"endTime":1877.88,"body":"investors, right. So like, an"},{"speaker":"Unknown","startTime":1877.88,"endTime":1883.25,"body":"actual somebody gave you money"},{"speaker":"Unknown","startTime":1877.88,"endTime":1883.25,"body":"instead of an institution, that"},{"speaker":"Unknown","startTime":1883.25,"endTime":1887.18,"body":"would be a bit of a different"},{"speaker":"Unknown","startTime":1883.25,"endTime":1887.18,"body":"situation. Usually, an investor"},{"speaker":"Unknown","startTime":1887.18,"endTime":1891.32,"body":"has already understood where you"},{"speaker":"Unknown","startTime":1887.18,"endTime":1891.32,"body":"are financially in your"},{"speaker":"Unknown","startTime":1891.32,"endTime":1893.42,"body":"business, and what you're"},{"speaker":"Unknown","startTime":1891.32,"endTime":1893.42,"body":"planning to do with the money."},{"speaker":"Unknown","startTime":1893.81,"endTime":1898.76,"body":"They will also, in many cases,"},{"speaker":"Unknown","startTime":1893.81,"endTime":1898.76,"body":"be giving you advice on what to"},{"speaker":"Unknown","startTime":1898.76,"endTime":1900.98,"body":"do with the money, it's not just"},{"speaker":"Unknown","startTime":1898.76,"endTime":1900.98,"body":"the money that you get, but"},{"speaker":"Unknown","startTime":1900.98,"endTime":1903.65,"body":"often you get a little bit of"},{"speaker":"Unknown","startTime":1900.98,"endTime":1903.65,"body":"counsel, because the investor"},{"speaker":"Unknown","startTime":1903.65,"endTime":1906.02,"body":"they want just like the banks to"},{"speaker":"Unknown","startTime":1903.65,"endTime":1906.02,"body":"get their money back if they"},{"speaker":"Unknown","startTime":1906.02,"endTime":1911.06,"body":"gave it to you. And there's also"},{"speaker":"Unknown","startTime":1906.02,"endTime":1911.06,"body":"not always a whole heap of"},{"speaker":"Unknown","startTime":1911.06,"endTime":1914.81,"body":"interest that is rolling over"},{"speaker":"Unknown","startTime":1911.06,"endTime":1914.81,"body":"every month that you do not pay"},{"speaker":"Unknown","startTime":1914.81,"endTime":1917.45,"body":"down your balances when you're"},{"speaker":"Unknown","startTime":1914.81,"endTime":1917.45,"body":"dealing with, with a private"},{"speaker":"Unknown","startTime":1917.45,"endTime":1921.53,"body":"investor. If you're dealing with"},{"speaker":"Unknown","startTime":1917.45,"endTime":1921.53,"body":"money from an institution like"},{"speaker":"Unknown","startTime":1922.16,"endTime":1925.7,"body":"like credit cards, or a loan or"},{"speaker":"Unknown","startTime":1922.16,"endTime":1925.7,"body":"something like that, unless"},{"speaker":"Unknown","startTime":1925.7,"endTime":1928.58,"body":"you're on some kind of terms,"},{"speaker":"Unknown","startTime":1925.7,"endTime":1928.58,"body":"where it was 0% interest for the"},{"speaker":"Unknown","startTime":1928.58,"endTime":1931.82,"body":"first year or something, you"},{"speaker":"Unknown","startTime":1928.58,"endTime":1931.82,"body":"know, something glorious like"},{"speaker":"Unknown","startTime":1931.82,"endTime":1936.2,"body":"that, you always do need to be"},{"speaker":"Unknown","startTime":1931.82,"endTime":1936.2,"body":"conscious of how much money the"},{"speaker":"Unknown","startTime":1936.2,"endTime":1940.28,"body":"money is costing you how"},{"speaker":"Unknown","startTime":1936.2,"endTime":1940.28,"body":"expensive that money is, right?"},{"speaker":"Unknown","startTime":1940.67,"endTime":1944.57,"body":"And if you can make that money"},{"speaker":"Unknown","startTime":1940.67,"endTime":1944.57,"body":"as cheap as possible, and put it"},{"speaker":"Unknown","startTime":1944.57,"endTime":1948.14,"body":"to work, so that it produces"},{"speaker":"Unknown","startTime":1944.57,"endTime":1948.14,"body":"itself as quickly as possible,"},{"speaker":"Unknown","startTime":1948.26,"endTime":1951.14,"body":"covers your debts, and you can"},{"speaker":"Unknown","startTime":1948.26,"endTime":1951.14,"body":"now expand and move on."},{"speaker":"Unknown","startTime":1951.5,"endTime":1955.16,"body":"Definitely do that, even if it"},{"speaker":"Unknown","startTime":1951.5,"endTime":1955.16,"body":"means slowing down, taking some"},{"speaker":"Unknown","startTime":1955.16,"endTime":1958.88,"body":"time to revise your operating"},{"speaker":"Unknown","startTime":1955.16,"endTime":1958.88,"body":"strategy. And then starting"},{"speaker":"Unknown","startTime":1958.88,"endTime":1962.66,"body":"again. I mean, that's what I"},{"speaker":"Unknown","startTime":1958.88,"endTime":1962.66,"body":"would recommend just being safe."},{"speaker":"Unknown","startTime":1963.68,"endTime":1964.1,"body":"With money."},{"speaker":"Josh Bolton","startTime":1964.1,"endTime":1967.01,"body":"Yeah, no, and we"},{"speaker":"Josh Bolton","startTime":1964.1,"endTime":1967.01,"body":"see everything you've presented"},{"speaker":"Josh Bolton","startTime":1967.01,"endTime":1972.47,"body":"very sound up trying to lock it"},{"speaker":"Josh Bolton","startTime":1967.01,"endTime":1972.47,"body":"and keep it there. So then,"},{"speaker":"Josh Bolton","startTime":1973.61,"endTime":1976.94,"body":"let's go back to the"},{"speaker":"Josh Bolton","startTime":1973.61,"endTime":1976.94,"body":"hypothetical was talking to you"},{"speaker":"Josh Bolton","startTime":1976.94,"endTime":1981.86,"body":"earlier about the business"},{"speaker":"Josh Bolton","startTime":1976.94,"endTime":1981.86,"body":"credit, Blitz, is there certain"},{"speaker":"Josh Bolton","startTime":1981.86,"endTime":1984.83,"body":"industries that you may not have"},{"speaker":"Josh Bolton","startTime":1981.86,"endTime":1984.83,"body":"the best track record, but"},{"speaker":"Josh Bolton","startTime":1984.83,"endTime":1990.23,"body":"because you're in aerospace"},{"speaker":"Josh Bolton","startTime":1984.83,"endTime":1990.23,"body":"engineering, or tech, SAS"},{"speaker":"Josh Bolton","startTime":1990.23,"endTime":1993.62,"body":"company? Are there certain"},{"speaker":"Josh Bolton","startTime":1990.23,"endTime":1993.62,"body":"because of that aspect? Is it"},{"speaker":"Josh Bolton","startTime":1993.65,"endTime":1998.69,"body":"easier to get investors and"},{"speaker":"Josh Bolton","startTime":1993.65,"endTime":1998.69,"body":"funding from banks that you've"},{"speaker":"Josh Bolton","startTime":1998.69,"endTime":1999.08,"body":"seen,"},{"speaker":"Unknown","startTime":1999.23,"endTime":2002.77,"body":"it's easier. It's way"},{"speaker":"Unknown","startTime":1999.23,"endTime":2002.77,"body":"easier for businesses that have"},{"speaker":"Unknown","startTime":2002.8,"endTime":2007.6,"body":"physical assets. So interesting."},{"speaker":"Unknown","startTime":2002.8,"endTime":2007.6,"body":"Another way of putting it is,"},{"speaker":"Unknown","startTime":2008.65,"endTime":2012.55,"body":"again, this still yet again,"},{"speaker":"Unknown","startTime":2008.65,"endTime":2012.55,"body":"goes back to that question that"},{"speaker":"Unknown","startTime":2012.55,"endTime":2014.98,"body":"the bank says of, hey, if we"},{"speaker":"Unknown","startTime":2012.55,"endTime":2014.98,"body":"give you money, well, we get it"},{"speaker":"Unknown","startTime":2014.98,"endTime":2017.62,"body":"back, the bank can feel better"},{"speaker":"Unknown","startTime":2014.98,"endTime":2017.62,"body":"about getting their money back"},{"speaker":"Unknown","startTime":2017.62,"endTime":2021.07,"body":"is, if there's something that"},{"speaker":"Unknown","startTime":2017.62,"endTime":2021.07,"body":"they can sell off later. Let's"},{"speaker":"Unknown","startTime":2021.07,"endTime":2024.76,"body":"say that you are a factory, you"},{"speaker":"Unknown","startTime":2021.07,"endTime":2024.76,"body":"might be selling off some of"},{"speaker":"Unknown","startTime":2024.76,"endTime":2028.66,"body":"those heavy equipment assets"},{"speaker":"Unknown","startTime":2024.76,"endTime":2028.66,"body":"that you've acquired. That's way"},{"speaker":"Unknown","startTime":2028.66,"endTime":2031.96,"body":"better for the bank, instead of"},{"speaker":"Unknown","startTime":2028.66,"endTime":2031.96,"body":"having, let's say, a digital"},{"speaker":"Unknown","startTime":2031.96,"endTime":2035.29,"body":"marketing agency where there's"},{"speaker":"Unknown","startTime":2031.96,"endTime":2035.29,"body":"not really anything tangible. If"},{"speaker":"Unknown","startTime":2035.29,"endTime":2039.82,"body":"you go under, what can they"},{"speaker":"Unknown","startTime":2035.29,"endTime":2039.82,"body":"sell. So you see the difference"},{"speaker":"Unknown","startTime":2039.82,"endTime":2045.58,"body":"there. So that's why it's easier"},{"speaker":"Unknown","startTime":2039.82,"endTime":2045.58,"body":"to fund to fund I guess, those"},{"speaker":"Unknown","startTime":2045.58,"endTime":2049.3,"body":"equipment, heavy asset heavy"},{"speaker":"Unknown","startTime":2045.58,"endTime":2049.3,"body":"businesses. So and it just kind"},{"speaker":"Unknown","startTime":2049.3,"endTime":2053.17,"body":"of scales down. Now, there are"},{"speaker":"Unknown","startTime":2049.3,"endTime":2053.17,"body":"limits to that, for example,"},{"speaker":"Unknown","startTime":2053.17,"endTime":2057.13,"body":"with trucking. A lot of people"},{"speaker":"Unknown","startTime":2053.17,"endTime":2057.13,"body":"will ask me, Hey, do you offer"},{"speaker":"Unknown","startTime":2057.16,"endTime":2059.68,"body":"loans for trucking, you know,"},{"speaker":"Unknown","startTime":2057.16,"endTime":2059.68,"body":"Equipment Financing like that?"},{"speaker":"Unknown","startTime":2059.89,"endTime":2063.64,"body":"We do technically, but they're"},{"speaker":"Unknown","startTime":2059.89,"endTime":2063.64,"body":"not easy because the banks don't"},{"speaker":"Unknown","startTime":2063.64,"endTime":2067.48,"body":"like truckers simply from"},{"speaker":"Unknown","startTime":2063.64,"endTime":2067.48,"body":"branches and that a lot of new"},{"speaker":"Unknown","startTime":2067.48,"endTime":2071.38,"body":"trucking companies. They don't"},{"speaker":"Unknown","startTime":2067.48,"endTime":2071.38,"body":"really, they don't succeed very"},{"speaker":"Unknown","startTime":2071.38,"endTime":2074.92,"body":"often. And so there's a high"},{"speaker":"Unknown","startTime":2071.38,"endTime":2074.92,"body":"risk not to mention, those"},{"speaker":"Unknown","startTime":2074.92,"endTime":2078.19,"body":"trucks end up costing a lot of"},{"speaker":"Unknown","startTime":2074.92,"endTime":2078.19,"body":"money, not just after you bought"},{"speaker":"Unknown","startTime":2078.19,"endTime":2080.8,"body":"them but a lot of maintenance, a"},{"speaker":"Unknown","startTime":2078.19,"endTime":2080.8,"body":"lot of gas. There's a lot that"},{"speaker":"Unknown","startTime":2080.8,"endTime":2085.0,"body":"has to go into a truck. So how"},{"speaker":"Unknown","startTime":2080.8,"endTime":2085.0,"body":"much the equipment costs after"},{"speaker":"Unknown","startTime":2085.0,"endTime":2087.19,"body":"you buy it is also a big factor."},{"speaker":"Josh Bolton","startTime":2089.23,"endTime":2091.81,"body":"Right on that note"},{"speaker":"Josh Bolton","startTime":2089.23,"endTime":2091.81,"body":"of the trucking let's say I was"},{"speaker":"Josh Bolton","startTime":2091.81,"endTime":2095.5,"body":"getting into more of equipment"},{"speaker":"Josh Bolton","startTime":2091.81,"endTime":2095.5,"body":"rental, like trailers and small"},{"speaker":"Josh Bolton","startTime":2095.5,"endTime":2098.32,"body":"box trucks. Would that be easier"},{"speaker":"Josh Bolton","startTime":2095.5,"endTime":2098.32,"body":"to for me to get money"},{"speaker":"Unknown","startTime":2101.17,"endTime":2104.62,"body":"I don't know if I would"},{"speaker":"Unknown","startTime":2101.17,"endTime":2104.62,"body":"say easier because, again, if"},{"speaker":"Unknown","startTime":2104.65,"endTime":2107.38,"body":"anything happened with the money"},{"speaker":"Unknown","startTime":2104.65,"endTime":2107.38,"body":"that the bank gave you, well,"},{"speaker":"Unknown","startTime":2107.38,"endTime":2111.43,"body":"what do they have to sell as"},{"speaker":"Unknown","startTime":2107.38,"endTime":2111.43,"body":"assets? There really aren't any."},{"speaker":"Unknown","startTime":2111.85,"endTime":2115.42,"body":"That doesn't mean that this is a"},{"speaker":"Unknown","startTime":2111.85,"endTime":2115.42,"body":"problem. It just means if we're"},{"speaker":"Unknown","startTime":2115.42,"endTime":2118.9,"body":"just talking about like, Hey,"},{"speaker":"Unknown","startTime":2115.42,"endTime":2118.9,"body":"what is easiest for the bank"},{"speaker":"Unknown","startTime":2119.83,"endTime":2123.67,"body":"that have come and put it so"},{"speaker":"Unknown","startTime":2119.83,"endTime":2123.67,"body":"that that business where you're"},{"speaker":"Unknown","startTime":2123.67,"endTime":2127.21,"body":"renting, like Sprinter vans and"},{"speaker":"Unknown","startTime":2123.67,"endTime":2127.21,"body":"box trucks would be almost the"},{"speaker":"Unknown","startTime":2127.21,"endTime":2130.45,"body":"same as the digital marketing"},{"speaker":"Unknown","startTime":2127.21,"endTime":2130.45,"body":"agency, both of them own nothing"},{"speaker":"Unknown","startTime":2130.45,"endTime":2132.88,"body":"really? Does that make sense?"},{"speaker":"Josh Bolton","startTime":2133.63,"endTime":2136.39,"body":"Okay, so that they"},{"speaker":"Josh Bolton","startTime":2133.63,"endTime":2136.39,"body":"look at the vans as more than"},{"speaker":"Josh Bolton","startTime":2136.39,"endTime":2139.93,"body":"half value when you buy it."},{"speaker":"Josh Bolton","startTime":2136.39,"endTime":2139.93,"body":"After"},{"speaker":"Unknown","startTime":2139.93,"endTime":2144.34,"body":"for my lecture, so"},{"speaker":"Unknown","startTime":2139.93,"endTime":2144.34,"body":"yeah, but you can say that,"},{"speaker":"Unknown","startTime":2144.34,"endTime":2147.85,"body":"yeah, at least you have an"},{"speaker":"Unknown","startTime":2144.34,"endTime":2147.85,"body":"asset, though, at least you have"},{"speaker":"Unknown","startTime":2147.85,"endTime":2151.51,"body":"an asset. So it's not the best"},{"speaker":"Unknown","startTime":2147.85,"endTime":2151.51,"body":"asset, because it's an asset"},{"speaker":"Unknown","startTime":2151.51,"endTime":2153.25,"body":"that requires a lot of"},{"speaker":"Unknown","startTime":2151.51,"endTime":2153.25,"body":"maintenance and money, but it's"},{"speaker":"Unknown","startTime":2153.25,"endTime":2155.77,"body":"still an asset, technically, you"},{"speaker":"Unknown","startTime":2153.25,"endTime":2155.77,"body":"can still sell the truck,"},{"speaker":"Unknown","startTime":2155.83,"endTime":2160.21,"body":"technically. Whereas if you're"},{"speaker":"Unknown","startTime":2155.83,"endTime":2160.21,"body":"renting, we really don't have"},{"speaker":"Unknown","startTime":2160.21,"endTime":2164.08,"body":"anything to sell. But again,"},{"speaker":"Unknown","startTime":2160.21,"endTime":2164.08,"body":"this also has a lot to do with"},{"speaker":"Unknown","startTime":2164.08,"endTime":2166.18,"body":"how qualified you are from"},{"speaker":"Unknown","startTime":2164.08,"endTime":2166.18,"body":"beginning because if you've"},{"speaker":"Unknown","startTime":2166.18,"endTime":2168.76,"body":"already got a let's say that"},{"speaker":"Unknown","startTime":2166.18,"endTime":2168.76,"body":"you've already started a"},{"speaker":"Unknown","startTime":2168.76,"endTime":2171.13,"body":"business, you've been in"},{"speaker":"Unknown","startTime":2168.76,"endTime":2171.13,"body":"business for two years, and"},{"speaker":"Unknown","startTime":2171.13,"endTime":2174.25,"body":"you're already bringing in"},{"speaker":"Unknown","startTime":2171.13,"endTime":2174.25,"body":"revenue, with the rentals, and"},{"speaker":"Unknown","startTime":2174.25,"endTime":2176.74,"body":"you've protected your personal"},{"speaker":"Unknown","startTime":2174.25,"endTime":2176.74,"body":"credit. So you've got a 680"},{"speaker":"Unknown","startTime":2176.74,"endTime":2179.89,"body":"credit score or higher, it's"},{"speaker":"Unknown","startTime":2176.74,"endTime":2179.89,"body":"still an easier conversation to"},{"speaker":"Unknown","startTime":2179.89,"endTime":2183.25,"body":"have. So I don't want to give"},{"speaker":"Unknown","startTime":2179.89,"endTime":2183.25,"body":"the impression that it's all"},{"speaker":"Unknown","startTime":2183.25,"endTime":2186.64,"body":"about the equipment, or all"},{"speaker":"Unknown","startTime":2183.25,"endTime":2186.64,"body":"about the purchase, only,"},{"speaker":"Unknown","startTime":2186.85,"endTime":2189.85,"body":"because that's just one factor"},{"speaker":"Unknown","startTime":2186.85,"endTime":2189.85,"body":"of many that have to be"},{"speaker":"Unknown","startTime":2189.85,"endTime":2193.03,"body":"considered. on whether or not"},{"speaker":"Unknown","startTime":2189.85,"endTime":2193.03,"body":"you're going to defaults on the"},{"speaker":"Unknown","startTime":2193.03,"endTime":2193.48,"body":"loan."},{"speaker":"Josh Bolton","startTime":2195.46,"endTime":2197.35,"body":"That's interesting."},{"speaker":"Josh Bolton","startTime":2195.46,"endTime":2197.35,"body":"Yeah. Because I would think if"},{"speaker":"Josh Bolton","startTime":2197.35,"endTime":2201.88,"body":"you have because trailers don't"},{"speaker":"Josh Bolton","startTime":2197.35,"endTime":2201.88,"body":"usually, usually drastically"},{"speaker":"Josh Bolton","startTime":2202.18,"endTime":2205.51,"body":"deplete in value. I know if you"},{"speaker":"Josh Bolton","startTime":2202.18,"endTime":2205.51,"body":"buy a truck, it's like a car"},{"speaker":"Josh Bolton","startTime":2205.87,"endTime":2207.55,"body":"within the first five years."},{"speaker":"Josh Bolton","startTime":2205.87,"endTime":2207.55,"body":"Like,"},{"speaker":"Unknown","startTime":2207.76,"endTime":2211.54,"body":"trailers. Yeah. I'm"},{"speaker":"Unknown","startTime":2207.76,"endTime":2211.54,"body":"sorry, I didn't even hear that"},{"speaker":"Unknown","startTime":2211.54,"endTime":2217.21,"body":"part. I'm so sorry. It's okay."},{"speaker":"Unknown","startTime":2211.54,"endTime":2217.21,"body":"Yeah. My, so my partner, she"},{"speaker":"Unknown","startTime":2217.21,"endTime":2220.15,"body":"owns a trucking company, you"},{"speaker":"Unknown","startTime":2217.21,"endTime":2220.15,"body":"know, give her a quick plug a"},{"speaker":"Unknown","startTime":2220.15,"endTime":2226.15,"body":"global fleet logistics, and her"},{"speaker":"Unknown","startTime":2220.15,"endTime":2226.15,"body":"Yeah, her biggest, our biggest"},{"speaker":"Unknown","startTime":2226.15,"endTime":2230.53,"body":"challenge is, is getting the"},{"speaker":"Unknown","startTime":2226.15,"endTime":2230.53,"body":"people who do have the trailers"},{"speaker":"Unknown","startTime":2230.74,"endTime":2233.83,"body":"and getting them as for drivers,"},{"speaker":"Unknown","startTime":2230.74,"endTime":2233.83,"body":"because they can take heavier"},{"speaker":"Unknown","startTime":2233.83,"endTime":2237.25,"body":"loads, they make more money. And"},{"speaker":"Unknown","startTime":2233.83,"endTime":2237.25,"body":"like you said, the trailer is"},{"speaker":"Unknown","startTime":2237.25,"endTime":2240.28,"body":"not something that has to be"},{"speaker":"Unknown","startTime":2237.25,"endTime":2240.28,"body":"like, maintained all heavily, I"},{"speaker":"Unknown","startTime":2240.28,"endTime":2244.12,"body":"was thinking just about the"},{"speaker":"Unknown","startTime":2240.28,"endTime":2244.12,"body":"actual truck, the vehicle on the"},{"speaker":"Unknown","startTime":2244.12,"endTime":2247.84,"body":"front end, that is where all the"},{"speaker":"Unknown","startTime":2244.12,"endTime":2247.84,"body":"maintenance and all the heavy"},{"speaker":"Unknown","startTime":2248.38,"endTime":2252.34,"body":"expense is coming in, I guess,"},{"speaker":"Unknown","startTime":2248.38,"endTime":2252.34,"body":"which is, which is definitely a"},{"speaker":"Unknown","startTime":2252.34,"endTime":2254.86,"body":"problem. But it's a problem that"},{"speaker":"Unknown","startTime":2252.34,"endTime":2254.86,"body":"can be worked around. The"},{"speaker":"Unknown","startTime":2254.86,"endTime":2257.8,"body":"important things here are making"},{"speaker":"Unknown","startTime":2254.86,"endTime":2257.8,"body":"sure that you're bringing enough"},{"speaker":"Unknown","startTime":2257.8,"endTime":2262.18,"body":"to the table, to to make"},{"speaker":"Unknown","startTime":2257.8,"endTime":2262.18,"body":"yourself attractive to the bank,"},{"speaker":"Unknown","startTime":2262.21,"endTime":2264.88,"body":"so that you are bringing your"},{"speaker":"Unknown","startTime":2262.21,"endTime":2264.88,"body":"good credit, you're bringing"},{"speaker":"Unknown","startTime":2264.88,"endTime":2267.73,"body":"good cash flow, you are"},{"speaker":"Unknown","startTime":2264.88,"endTime":2267.73,"body":"bringing, you know, a good"},{"speaker":"Unknown","startTime":2267.73,"endTime":2273.04,"body":"history with vendors and other"},{"speaker":"Unknown","startTime":2267.73,"endTime":2273.04,"body":"creditors, you are making sure"},{"speaker":"Unknown","startTime":2273.04,"endTime":2277.21,"body":"that your cash flow inside of"},{"speaker":"Unknown","startTime":2273.04,"endTime":2277.21,"body":"your bank account is healthy. So"},{"speaker":"Unknown","startTime":2277.21,"endTime":2280.27,"body":"even if you are bringing in over"},{"speaker":"Unknown","startTime":2277.21,"endTime":2280.27,"body":"$10,000, that you're actually"},{"speaker":"Unknown","startTime":2280.27,"endTime":2283.42,"body":"keeping a good portion of that"},{"speaker":"Unknown","startTime":2280.27,"endTime":2283.42,"body":"money, making sure that you're"},{"speaker":"Unknown","startTime":2283.42,"endTime":2286.93,"body":"actually registered properly, so"},{"speaker":"Unknown","startTime":2283.42,"endTime":2286.93,"body":"that you are attractive to the"},{"speaker":"Unknown","startTime":2286.93,"endTime":2290.53,"body":"bank in that way that your SLS,"},{"speaker":"Unknown","startTime":2286.93,"endTime":2290.53,"body":"registration is healthy, and in"},{"speaker":"Unknown","startTime":2290.53,"endTime":2294.4,"body":"good standing, all of that stuff"},{"speaker":"Unknown","startTime":2290.53,"endTime":2294.4,"body":"that goes into whether or not"},{"speaker":"Unknown","startTime":2294.4,"endTime":2297.31,"body":"the bank wants to work with you."},{"speaker":"Unknown","startTime":2294.4,"endTime":2297.31,"body":"So if you're thinking about it"},{"speaker":"Unknown","startTime":2297.31,"endTime":2300.82,"body":"from that perspective of hey,"},{"speaker":"Unknown","startTime":2297.31,"endTime":2300.82,"body":"would I give me money, right?"},{"speaker":"Unknown","startTime":2301.03,"endTime":2304.0,"body":"Based on all these things, all"},{"speaker":"Unknown","startTime":2301.03,"endTime":2304.0,"body":"these different factors, then"},{"speaker":"Unknown","startTime":2304.0,"endTime":2306.82,"body":"you're able to just have an"},{"speaker":"Unknown","startTime":2304.0,"endTime":2306.82,"body":"easier conversation at the"},{"speaker":"Unknown","startTime":2306.82,"endTime":2307.24,"body":"outset."},{"speaker":"Josh Bolton","startTime":2310.69,"endTime":2315.07,"body":"So then, yeah, it's"},{"speaker":"Josh Bolton","startTime":2310.69,"endTime":2315.07,"body":"more lay the proper foundation"},{"speaker":"Josh Bolton","startTime":2315.07,"endTime":2319.3,"body":"down, and obviously scale and"},{"speaker":"Josh Bolton","startTime":2315.07,"endTime":2319.3,"body":"grow but have the foundation so"},{"speaker":"Josh Bolton","startTime":2319.3,"endTime":2321.67,"body":"when you do go on a year to to"},{"speaker":"Josh Bolton","startTime":2319.3,"endTime":2321.67,"body":"the bank and be like, Yes, I'm"},{"speaker":"Josh Bolton","startTime":2321.67,"endTime":2324.79,"body":"still new. I know this. Look at"},{"speaker":"Josh Bolton","startTime":2321.67,"endTime":2324.79,"body":"look at my business how well it"},{"speaker":"Josh Bolton","startTime":2324.79,"endTime":2328.0,"body":"is. So with all the bells and"},{"speaker":"Josh Bolton","startTime":2324.79,"endTime":2328.0,"body":"whistles I've lined up for you"},{"speaker":"Josh Bolton","startTime":2328.72,"endTime":2331.84,"body":"make it to the point like and"},{"speaker":"Josh Bolton","startTime":2328.72,"endTime":2331.84,"body":"then they just the chairman's"},{"speaker":"Josh Bolton","startTime":2331.84,"endTime":2333.7,"body":"are like, Alright, how much do"},{"speaker":"Josh Bolton","startTime":2331.84,"endTime":2333.7,"body":"we give them?"},{"speaker":"Unknown","startTime":2334.81,"endTime":2339.07,"body":"Yep. It's so funny,"},{"speaker":"Unknown","startTime":2334.81,"endTime":2339.07,"body":"because, you know, there's so"},{"speaker":"Unknown","startTime":2339.07,"endTime":2342.76,"body":"much money out there, and people"},{"speaker":"Unknown","startTime":2339.07,"endTime":2342.76,"body":"will easily give it to you, if"},{"speaker":"Unknown","startTime":2342.76,"endTime":2346.18,"body":"you can prove that you that you"},{"speaker":"Unknown","startTime":2342.76,"endTime":2346.18,"body":"can pay it back. That's really"},{"speaker":"Unknown","startTime":2346.18,"endTime":2350.8,"body":"all it comes down to. I mean,"},{"speaker":"Unknown","startTime":2346.18,"endTime":2350.8,"body":"there there are people who will"},{"speaker":"Unknown","startTime":2350.8,"endTime":2354.43,"body":"go and like, okay, great"},{"speaker":"Unknown","startTime":2350.8,"endTime":2354.43,"body":"example. Elon Musk just bought"},{"speaker":"Unknown","startTime":2354.43,"endTime":2361.48,"body":"Twitter for what was it like"},{"speaker":"Unknown","startTime":2354.43,"endTime":2361.48,"body":"44,000 Billion US me not $1,000?"},{"speaker":"Unknown","startTime":2367.33,"endTime":2372.82,"body":"Yeah, we're billion. But he"},{"speaker":"Unknown","startTime":2367.33,"endTime":2372.82,"body":"didn't finance that all himself."},{"speaker":"Unknown","startTime":2372.85,"endTime":2377.59,"body":"You know, he does have, he does"},{"speaker":"Unknown","startTime":2372.85,"endTime":2377.59,"body":"have loans for that. He has"},{"speaker":"Unknown","startTime":2377.59,"endTime":2380.62,"body":"investors for that. And he has"},{"speaker":"Unknown","startTime":2377.59,"endTime":2380.62,"body":"his personal money in that as"},{"speaker":"Unknown","startTime":2380.62,"endTime":2384.52,"body":"well. So my point is, there's"},{"speaker":"Unknown","startTime":2380.62,"endTime":2384.52,"body":"plenty of money out there that"},{"speaker":"Unknown","startTime":2384.55,"endTime":2387.4,"body":"can be gotten for you. If you"},{"speaker":"Unknown","startTime":2384.55,"endTime":2387.4,"body":"can just prove that you are"},{"speaker":"Unknown","startTime":2387.4,"endTime":2391.57,"body":"someone who is capable of paying"},{"speaker":"Unknown","startTime":2387.4,"endTime":2391.57,"body":"it back, lowering your risk"},{"speaker":"Unknown","startTime":2391.57,"endTime":2392.17,"body":"overall."},{"speaker":"Josh Bolton","startTime":2393.64,"endTime":2396.1,"body":"Well, I think also,"},{"speaker":"Josh Bolton","startTime":2393.64,"endTime":2396.1,"body":"there's a whole thing with Elon"},{"speaker":"Josh Bolton","startTime":2396.1,"endTime":2399.79,"body":"Musk in that so did you hear"},{"speaker":"Josh Bolton","startTime":2396.1,"endTime":2399.79,"body":"about his 55 billion payout?"},{"speaker":"Unknown","startTime":2401.77,"endTime":2404.02,"body":"No, I didn't. So like,"},{"speaker":"Josh Bolton","startTime":2404.47,"endTime":2407.53,"body":"a month after he"},{"speaker":"Josh Bolton","startTime":2404.47,"endTime":2407.53,"body":"bought Twitter in, I saw the"},{"speaker":"Josh Bolton","startTime":2407.53,"endTime":2411.19,"body":"headline in my trading newsfeed"},{"speaker":"Josh Bolton","startTime":2407.53,"endTime":2411.19,"body":"saying Elon Musk got paid out"},{"speaker":"Josh Bolton","startTime":2411.19,"endTime":2415.93,"body":"from Tesla $55 billion. Like,"},{"speaker":"Josh Bolton","startTime":2411.19,"endTime":2415.93,"body":"that's why he kept floundering"},{"speaker":"Josh Bolton","startTime":2415.93,"endTime":2418.36,"body":"during the summer, is he wanted"},{"speaker":"Josh Bolton","startTime":2415.93,"endTime":2418.36,"body":"to make sure he's going to get"},{"speaker":"Josh Bolton","startTime":2418.36,"endTime":2419.17,"body":"that payout."},{"speaker":"Unknown","startTime":2419.98,"endTime":2423.04,"body":"Because of that, yeah."},{"speaker":"Unknown","startTime":2419.98,"endTime":2423.04,"body":"That will make way more sense."},{"speaker":"Unknown","startTime":2423.7,"endTime":2424.57,"body":"Right learning."},{"speaker":"Josh Bolton","startTime":2425.47,"endTime":2430.12,"body":"I love sir dude has"},{"speaker":"Josh Bolton","startTime":2425.47,"endTime":2430.12,"body":"so many layers to how he's"},{"speaker":"Josh Bolton","startTime":2430.12,"endTime":2433.27,"body":"thinking it must be insane to"},{"speaker":"Josh Bolton","startTime":2430.12,"endTime":2433.27,"body":"live in his own brain."},{"speaker":"Unknown","startTime":2434.86,"endTime":2438.64,"body":"Yeah, I can imagine. I"},{"speaker":"Unknown","startTime":2434.86,"endTime":2438.64,"body":"mean, he's, he's been a hero of"},{"speaker":"Unknown","startTime":2438.64,"endTime":2442.03,"body":"mine for quite some time. So"},{"speaker":"Unknown","startTime":2438.64,"endTime":2442.03,"body":"it's always interesting. It's"},{"speaker":"Unknown","startTime":2442.03,"endTime":2444.7,"body":"interesting. Even seeing the"},{"speaker":"Unknown","startTime":2442.03,"endTime":2444.7,"body":"struggles that he's having. Now."},{"speaker":"Unknown","startTime":2444.7,"endTime":2447.25,"body":"I'm curious to just kind of"},{"speaker":"Unknown","startTime":2444.7,"endTime":2447.25,"body":"watch this play out and how he"},{"speaker":"Unknown","startTime":2447.25,"endTime":2451.96,"body":"ends up overcoming the whole"},{"speaker":"Unknown","startTime":2447.25,"endTime":2451.96,"body":"thing with Twitter. So yeah,"},{"speaker":"Josh Bolton","startTime":2452.98,"endTime":2455.65,"body":"one of my one of my"},{"speaker":"Josh Bolton","startTime":2452.98,"endTime":2455.65,"body":"buddies, he's a coder, and he"},{"speaker":"Josh Bolton","startTime":2455.65,"endTime":2457.6,"body":"even said he like this either"},{"speaker":"Josh Bolton","startTime":2455.65,"endTime":2457.6,"body":"gonna be the best thing for"},{"speaker":"Josh Bolton","startTime":2457.6,"endTime":2460.69,"body":"Twitter, or it's gonna be the"},{"speaker":"Josh Bolton","startTime":2457.6,"endTime":2460.69,"body":"death. We don't know. We'll"},{"speaker":"Josh Bolton","startTime":2460.69,"endTime":2462.31,"body":"figure it out in like, two to"},{"speaker":"Josh Bolton","startTime":2460.69,"endTime":2462.31,"body":"three years."},{"speaker":"Unknown","startTime":2463.69,"endTime":2466.33,"body":"Yeah, I'd say two to"},{"speaker":"Unknown","startTime":2463.69,"endTime":2466.33,"body":"three years is pretty accurate."},{"speaker":"Unknown","startTime":2466.36,"endTime":2469.54,"body":"I mean, I feel like it's gonna"},{"speaker":"Unknown","startTime":2466.36,"endTime":2469.54,"body":"go well, I think that they're"},{"speaker":"Unknown","startTime":2469.54,"endTime":2473.08,"body":"just whenever there's change,"},{"speaker":"Unknown","startTime":2469.54,"endTime":2473.08,"body":"it's always difficult. And he's"},{"speaker":"Unknown","startTime":2473.08,"endTime":2476.23,"body":"not doing anything that any"},{"speaker":"Unknown","startTime":2473.08,"endTime":2476.23,"body":"other m\u0026a person, or mergers and"},{"speaker":"Unknown","startTime":2476.23,"endTime":2479.08,"body":"acquisitions person doesn't do"},{"speaker":"Unknown","startTime":2476.23,"endTime":2479.08,"body":"is one of the first things that"},{"speaker":"Unknown","startTime":2479.08,"endTime":2482.29,"body":"they do, they company gets"},{"speaker":"Unknown","startTime":2479.08,"endTime":2482.29,"body":"bought. And they kind of cut the"},{"speaker":"Unknown","startTime":2482.29,"endTime":2485.83,"body":"fat, like right away, trying to"},{"speaker":"Unknown","startTime":2482.29,"endTime":2485.83,"body":"figure out who deserves to keep"},{"speaker":"Unknown","startTime":2485.83,"endTime":2488.98,"body":"their job, who doesn't, what"},{"speaker":"Unknown","startTime":2485.83,"endTime":2488.98,"body":"processes are making money,"},{"speaker":"Unknown","startTime":2488.98,"endTime":2493.9,"body":"which ones aren't. And over"},{"speaker":"Unknown","startTime":2488.98,"endTime":2493.9,"body":"time, things start to stabilize,"},{"speaker":"Unknown","startTime":2493.93,"endTime":2496.93,"body":"and things start to grow. And"},{"speaker":"Unknown","startTime":2493.93,"endTime":2496.93,"body":"then you have a stronger"},{"speaker":"Unknown","startTime":2496.93,"endTime":2499.96,"body":"business. The big thing about"},{"speaker":"Unknown","startTime":2496.93,"endTime":2499.96,"body":"Twitter, I think that is"},{"speaker":"Unknown","startTime":2500.08,"endTime":2503.89,"body":"fascinating is it's the first"},{"speaker":"Unknown","startTime":2500.08,"endTime":2503.89,"body":"kind of social thing that he's"},{"speaker":"Unknown","startTime":2503.89,"endTime":2507.64,"body":"had to really do. With PayPal,"},{"speaker":"Unknown","startTime":2503.89,"endTime":2507.64,"body":"he had all the payment systems,"},{"speaker":"Unknown","startTime":2508.03,"endTime":2510.49,"body":"revolutionized. And then of"},{"speaker":"Unknown","startTime":2508.03,"endTime":2510.49,"body":"course, with Tesla, he had the"},{"speaker":"Unknown","startTime":2510.49,"endTime":2514.0,"body":"whole electric car industry"},{"speaker":"Unknown","startTime":2510.49,"endTime":2514.0,"body":"revolutionized with SpaceX. He"},{"speaker":"Unknown","startTime":2514.03,"endTime":2516.85,"body":"literally has space travel"},{"speaker":"Unknown","startTime":2514.03,"endTime":2516.85,"body":"revolutionized, because that was"},{"speaker":"Unknown","startTime":2516.85,"endTime":2521.59,"body":"kind of NASA's ballpark at"},{"speaker":"Unknown","startTime":2516.85,"endTime":2521.59,"body":"first, and I'm just curious to"},{"speaker":"Unknown","startTime":2521.59,"endTime":2525.58,"body":"see how he would be able to"},{"speaker":"Unknown","startTime":2521.59,"endTime":2525.58,"body":"revolutionize Twitter, or not,"},{"speaker":"Unknown","startTime":2525.58,"endTime":2529.03,"body":"not just Twitter, but social"},{"speaker":"Unknown","startTime":2525.58,"endTime":2529.03,"body":"media in that way. So we'll see."},{"speaker":"Unknown","startTime":2529.75,"endTime":2530.26,"body":"Let's see."},{"speaker":"Josh Bolton","startTime":2530.47,"endTime":2532.09,"body":"It'll be very"},{"speaker":"Josh Bolton","startTime":2530.47,"endTime":2532.09,"body":"interesting. If we might have a"},{"speaker":"Josh Bolton","startTime":2532.09,"endTime":2536.26,"body":"chat in two years and be like,"},{"speaker":"Josh Bolton","startTime":2532.09,"endTime":2536.26,"body":"Wow, he did a great job. Yeah,"},{"speaker":"Unknown","startTime":2536.29,"endTime":2539.29,"body":"I mean, I feel like you"},{"speaker":"Unknown","startTime":2536.29,"endTime":2539.29,"body":"will I mean, you know, it's, the"},{"speaker":"Unknown","startTime":2539.29,"endTime":2543.43,"body":"guy literally does rocket"},{"speaker":"Unknown","startTime":2539.29,"endTime":2543.43,"body":"science. So how hard would it"},{"speaker":"Unknown","startTime":2543.43,"endTime":2546.91,"body":"be? However, though, in his"},{"speaker":"Unknown","startTime":2543.43,"endTime":2546.91,"body":"events, rocket science might"},{"speaker":"Unknown","startTime":2546.91,"endTime":2548.77,"body":"actually be easier than dealing"},{"speaker":"Unknown","startTime":2546.91,"endTime":2548.77,"body":"with people."},{"speaker":"Josh Bolton","startTime":2549.97,"endTime":2555.91,"body":"Because the honest"},{"speaker":"Josh Bolton","startTime":2549.97,"endTime":2555.91,"body":"at times. You have computers and"},{"speaker":"Josh Bolton","startTime":2556.33,"endTime":2558.73,"body":"science, you don't have to deal"},{"speaker":"Josh Bolton","startTime":2556.33,"endTime":2558.73,"body":"with emotions, and we got"},{"speaker":"Josh Bolton","startTime":2558.73,"endTime":2560.71,"body":"emotions. There's a whole hot"},{"speaker":"Josh Bolton","startTime":2558.73,"endTime":2560.71,"body":"mess with that."},{"speaker":"Unknown","startTime":2560.95,"endTime":2566.29,"body":"Yeah. Yeah. And then I"},{"speaker":"Unknown","startTime":2560.95,"endTime":2566.29,"body":"mean, he's still also has the"},{"speaker":"Unknown","startTime":2566.29,"endTime":2570.28,"body":"Optimus robot coming out, too."},{"speaker":"Unknown","startTime":2566.29,"endTime":2570.28,"body":"So he's got a lot on his plate"},{"speaker":"Unknown","startTime":2570.4,"endTime":2572.05,"body":"was all connects together?"},{"speaker":"Josh Bolton","startTime":2572.439,"endTime":2577.149,"body":"I'll say he also is"},{"speaker":"Josh Bolton","startTime":2572.439,"endTime":2577.149,"body":"like, involved with open AI. And"},{"speaker":"Josh Bolton","startTime":2577.149,"endTime":2579.939,"body":"the neuro link thing too,"},{"speaker":"Josh Bolton","startTime":2577.149,"endTime":2579.939,"body":"because it was like six or"},{"speaker":"Josh Bolton","startTime":2579.939,"endTime":2588.729,"body":"seven. Link. The boring company?"},{"speaker":"Josh Bolton","startTime":2579.939,"endTime":2588.729,"body":"Yeah. Well, he has ever really"},{"speaker":"Josh Bolton","startTime":2588.729,"endTime":2592.299,"body":"done anything. They just made"},{"speaker":"Josh Bolton","startTime":2588.729,"endTime":2592.299,"body":"the flavours, right. He's the"},{"speaker":"Josh Bolton","startTime":2592.299,"endTime":2593.709,"body":"guy. He's still"},{"speaker":"Unknown","startTime":2594.01,"endTime":2596.74,"body":"he made the flame"},{"speaker":"Unknown","startTime":2594.01,"endTime":2596.74,"body":"throwers to to raise money."},{"speaker":"Josh Bolton","startTime":2598.78,"endTime":2600.4,"body":"But obviously, I"},{"speaker":"Josh Bolton","startTime":2598.78,"endTime":2600.4,"body":"haven't heard anything about the"},{"speaker":"Josh Bolton","startTime":2600.4,"endTime":2604.42,"body":"boring company sense. Or is it"},{"speaker":"Josh Bolton","startTime":2600.4,"endTime":2604.42,"body":"just"},{"speaker":"Unknown","startTime":2605.71,"endTime":2610.12,"body":"something maybe about a"},{"speaker":"Unknown","startTime":2605.71,"endTime":2610.12,"body":"month ago? Yeah, it's it's it"},{"speaker":"Unknown","startTime":2610.12,"endTime":2614.29,"body":"was. So I think the biggest"},{"speaker":"Unknown","startTime":2610.12,"endTime":2614.29,"body":"roadblock that he's dealing with"},{"speaker":"Unknown","startTime":2614.29,"endTime":2618.73,"body":"are the state regulations."},{"speaker":"Unknown","startTime":2614.29,"endTime":2618.73,"body":"Literally drilling, you know,"},{"speaker":"Unknown","startTime":2618.76,"endTime":2623.59,"body":"through like drilling tunnels,"},{"speaker":"Unknown","startTime":2618.76,"endTime":2623.59,"body":"through states, I can imagine,"},{"speaker":"Unknown","startTime":2623.98,"endTime":2626.62,"body":"is problematic. So I think"},{"speaker":"Unknown","startTime":2623.98,"endTime":2626.62,"body":"that's where his biggest"},{"speaker":"Unknown","startTime":2626.62,"endTime":2630.73,"body":"roadblock is, with the boring"},{"speaker":"Unknown","startTime":2626.62,"endTime":2630.73,"body":"company. And I mean, the concept"},{"speaker":"Unknown","startTime":2630.76,"endTime":2633.4,"body":"itself, I thought was a"},{"speaker":"Unknown","startTime":2630.76,"endTime":2633.4,"body":"wonderful one. Like taking"},{"speaker":"Unknown","startTime":2633.46,"endTime":2637.03,"body":"California for example, you're"},{"speaker":"Unknown","startTime":2633.46,"endTime":2637.03,"body":"supposed to be able to make that"},{"speaker":"Unknown","startTime":2637.03,"endTime":2641.68,"body":"trip from San Francisco down to"},{"speaker":"Unknown","startTime":2637.03,"endTime":2641.68,"body":"LA in like a quarter of the time"},{"speaker":"Unknown","startTime":2641.8,"endTime":2644.77,"body":"and be able to just, you know,"},{"speaker":"Unknown","startTime":2641.8,"endTime":2644.77,"body":"on this automatic track through"},{"speaker":"Unknown","startTime":2644.77,"endTime":2648.43,"body":"this tunnel. Like I think that's"},{"speaker":"Unknown","startTime":2644.77,"endTime":2648.43,"body":"an amazing concept. If you can"},{"speaker":"Unknown","startTime":2648.43,"endTime":2651.43,"body":"actually get the permission to"},{"speaker":"Unknown","startTime":2648.43,"endTime":2651.43,"body":"do it, because it may on the"},{"speaker":"Unknown","startTime":2651.43,"endTime":2655.72,"body":"surface is simple enough. But in"},{"speaker":"Unknown","startTime":2651.43,"endTime":2655.72,"body":"doing like in practice, it's"},{"speaker":"Unknown","startTime":2655.72,"endTime":2659.92,"body":"probably a lot to deal with to"},{"speaker":"Unknown","startTime":2655.72,"endTime":2659.92,"body":"literally drill through real"},{"speaker":"Unknown","startTime":2659.92,"endTime":2662.83,"body":"estate. Yeah,"},{"speaker":"Josh Bolton","startTime":2663.52,"endTime":2666.85,"body":"yeah. Then you have"},{"speaker":"Josh Bolton","startTime":2663.52,"endTime":2666.85,"body":"a whole dilemma of are you a"},{"speaker":"Josh Bolton","startTime":2666.85,"endTime":2669.7,"body":"still in California or Nevada,"},{"speaker":"Josh Bolton","startTime":2666.85,"endTime":2669.7,"body":"like if you're going to Vegas?"},{"speaker":"Josh Bolton","startTime":2670.75,"endTime":2674.53,"body":"If you get pulled over for some"},{"speaker":"Josh Bolton","startTime":2670.75,"endTime":2674.53,"body":"reason. Where's the lines?"},{"speaker":"Unknown","startTime":2677.05,"endTime":2680.53,"body":"Yeah, I think it's an I"},{"speaker":"Unknown","startTime":2677.05,"endTime":2680.53,"body":"could be wrong. I think it's"},{"speaker":"Unknown","startTime":2680.53,"endTime":2683.8,"body":"supposed to be automatic. Like"},{"speaker":"Unknown","startTime":2680.53,"endTime":2683.8,"body":"it's supposed to be a track that"},{"speaker":"Unknown","startTime":2683.8,"endTime":2687.88,"body":"is pulling you. So like once you"},{"speaker":"Unknown","startTime":2683.8,"endTime":2687.88,"body":"are at the start of it. It's"},{"speaker":"Unknown","startTime":2687.88,"endTime":2690.88,"body":"almost like you're on this"},{"speaker":"Unknown","startTime":2687.88,"endTime":2690.88,"body":"conveyor belt. Well, not a belt,"},{"speaker":"Unknown","startTime":2690.88,"endTime":2693.43,"body":"but you're basically"},{"speaker":"Unknown","startTime":2690.88,"endTime":2693.43,"body":"automatically being taken"},{"speaker":"Unknown","startTime":2693.46,"endTime":2698.8,"body":"through the thing at this really"},{"speaker":"Unknown","startTime":2693.46,"endTime":2698.8,"body":"high speed. So it should be"},{"speaker":"Unknown","startTime":2698.8,"endTime":2701.62,"body":"safe, you know? Sounds like"},{"speaker":"Unknown","startTime":2698.8,"endTime":2701.62,"body":"basically high speed rail for"},{"speaker":"Unknown","startTime":2701.62,"endTime":2703.21,"body":"cars is what it sounds like."},{"speaker":"Josh Bolton","startTime":2703.57,"endTime":2706.63,"body":"Yeah. Yeah, it's"},{"speaker":"Josh Bolton","startTime":2703.57,"endTime":2706.63,"body":"probably just gonna be the"},{"speaker":"Josh Bolton","startTime":2706.63,"endTime":2710.17,"body":"politics in the lines of where"},{"speaker":"Josh Bolton","startTime":2706.63,"endTime":2710.17,"body":"everything goes is his biggest"},{"speaker":"Josh Bolton","startTime":2710.17,"endTime":2713.2,"body":"problem right now. That's"},{"speaker":"Josh Bolton","startTime":2710.17,"endTime":2713.2,"body":"interesting."},{"speaker":"Unknown","startTime":2713.32,"endTime":2715.51,"body":"I'm just curious"},{"speaker":"Unknown","startTime":2713.32,"endTime":2715.51,"body":"solutionary though he if he"},{"speaker":"Unknown","startTime":2715.51,"endTime":2717.22,"body":"pulls it off, all right,"},{"speaker":"Josh Bolton","startTime":2717.22,"endTime":2719.14,"body":"he's gonna He's"},{"speaker":"Josh Bolton","startTime":2717.22,"endTime":2719.14,"body":"gonna be changing so many things"},{"speaker":"Josh Bolton","startTime":2719.14,"endTime":2723.22,"body":"about just the human condition"},{"speaker":"Josh Bolton","startTime":2719.14,"endTime":2723.22,"body":"in general. And then like three"},{"speaker":"Josh Bolton","startTime":2723.22,"endTime":2725.92,"body":"or four generations later, like,"},{"speaker":"Josh Bolton","startTime":2723.22,"endTime":2725.92,"body":"oh, it's normal. And like, oh,"},{"speaker":"Josh Bolton","startTime":2725.92,"endTime":2729.73,"body":"it was Elon Musk. Who did this,"},{"speaker":"Josh Bolton","startTime":2725.92,"endTime":2729.73,"body":"like Nikola Tesla's like, who?"},{"speaker":"Josh Bolton","startTime":2731.05,"endTime":2731.74,"body":"Exactly"},{"speaker":"Unknown","startTime":2732.1,"endTime":2734.47,"body":"will talk about him the"},{"speaker":"Unknown","startTime":2732.1,"endTime":2734.47,"body":"way we talk the way we talk"},{"speaker":"Unknown","startTime":2734.47,"endTime":2739.39,"body":"about Tesla? Yeah, only Tesla"},{"speaker":"Unknown","startTime":2734.47,"endTime":2739.39,"body":"didn't actually get to be as"},{"speaker":"Unknown","startTime":2739.39,"endTime":2745.0,"body":"wealthy or as famous. So Elon is"},{"speaker":"Unknown","startTime":2739.39,"endTime":2745.0,"body":"already doing pretty much"},{"speaker":"Unknown","startTime":2745.06,"endTime":2746.38,"body":"pretty, pretty well."},{"speaker":"Josh Bolton","startTime":2747.04,"endTime":2749.38,"body":"I'm certain he"},{"speaker":"Josh Bolton","startTime":2747.04,"endTime":2749.38,"body":"because he's, he loves reading"},{"speaker":"Josh Bolton","startTime":2749.38,"endTime":2751.96,"body":"his sci fi books. He's He's"},{"speaker":"Josh Bolton","startTime":2749.38,"endTime":2751.96,"body":"studied Tesla. And it's like, I"},{"speaker":"Josh Bolton","startTime":2751.96,"endTime":2756.49,"body":"am not going to be that guy."},{"speaker":"Josh Bolton","startTime":2751.96,"endTime":2756.49,"body":"I've just got to four."},{"speaker":"Unknown","startTime":2756.61,"endTime":2762.16,"body":"I love I love Tesla. I"},{"speaker":"Unknown","startTime":2756.61,"endTime":2762.16,"body":"mean, probably another was about"},{"speaker":"Unknown","startTime":2762.16,"endTime":2764.65,"body":"10 minutes. 1020 minutes. Yeah."},{"speaker":"Unknown","startTime":2762.16,"endTime":2764.65,"body":"Cool."},{"speaker":"Josh Bolton","startTime":2765.67,"endTime":2767.86,"body":"And then I'll"},{"speaker":"Josh Bolton","startTime":2765.67,"endTime":2767.86,"body":"slowly start winding it down."},{"speaker":"Josh Bolton","startTime":2767.86,"endTime":2773.08,"body":"But yeah, Tesla. Man, the things"},{"speaker":"Josh Bolton","startTime":2767.86,"endTime":2773.08,"body":"Nikola Tesla has done for us is"},{"speaker":"Josh Bolton","startTime":2773.08,"endTime":2773.62,"body":"amazing."},{"speaker":"Unknown","startTime":2776.8,"endTime":2782.32,"body":"I love Tesla, because I"},{"speaker":"Unknown","startTime":2776.8,"endTime":2782.32,"body":"mean, so I always in reading,"},{"speaker":"Unknown","startTime":2782.71,"endTime":2787.39,"body":"okay, well, I'm a bit of a nerd."},{"speaker":"Unknown","startTime":2782.71,"endTime":2787.39,"body":"And so there's this thing that I"},{"speaker":"Unknown","startTime":2787.66,"endTime":2790.81,"body":"am always always interested in."},{"speaker":"Unknown","startTime":2787.66,"endTime":2790.81,"body":"And it's atmospheric"},{"speaker":"Unknown","startTime":2790.81,"endTime":2796.63,"body":"electricity. And basically, you"},{"speaker":"Unknown","startTime":2790.81,"endTime":2796.63,"body":"have the ionosphere, which is"},{"speaker":"Unknown","startTime":2797.05,"endTime":2801.76,"body":"well above our atmosphere, that"},{"speaker":"Unknown","startTime":2797.05,"endTime":2801.76,"body":"is constantly dropping ions. And"},{"speaker":"Unknown","startTime":2801.76,"endTime":2807.58,"body":"so the sky is very, is very"},{"speaker":"Unknown","startTime":2801.76,"endTime":2807.58,"body":"positively charged, the ground"},{"speaker":"Unknown","startTime":2807.58,"endTime":2812.62,"body":"is negatively charged. And so if"},{"speaker":"Unknown","startTime":2807.58,"endTime":2812.62,"body":"you're able to basically connect"},{"speaker":"Unknown","startTime":2812.62,"endTime":2817.15,"body":"something to the ground, and,"},{"speaker":"Unknown","startTime":2812.62,"endTime":2817.15,"body":"and put it into the air, where"},{"speaker":"Unknown","startTime":2817.18,"endTime":2821.41,"body":"at every what is it? It's either"},{"speaker":"Unknown","startTime":2817.18,"endTime":2821.41,"body":"every mile or every meter, I"},{"speaker":"Unknown","startTime":2821.41,"endTime":2826.39,"body":"can't remember right now. But"},{"speaker":"Unknown","startTime":2821.41,"endTime":2826.39,"body":"the level of the level of charge"},{"speaker":"Unknown","startTime":2826.39,"endTime":2831.34,"body":"goes up, as the higher you get"},{"speaker":"Unknown","startTime":2826.39,"endTime":2831.34,"body":"into the sky. And so I was"},{"speaker":"Unknown","startTime":2831.34,"endTime":2835.3,"body":"wondering, like I bet, people"},{"speaker":"Unknown","startTime":2831.34,"endTime":2835.3,"body":"could basically turn buildings"},{"speaker":"Unknown","startTime":2835.33,"endTime":2839.32,"body":"into enormous batteries, where"},{"speaker":"Unknown","startTime":2835.33,"endTime":2839.32,"body":"the height of the building is"},{"speaker":"Unknown","startTime":2839.32,"endTime":2842.89,"body":"what ends up making it possible"},{"speaker":"Unknown","startTime":2839.32,"endTime":2842.89,"body":"to collect ions directly from"},{"speaker":"Unknown","startTime":2842.89,"endTime":2846.82,"body":"the sky, and use the ground that"},{"speaker":"Unknown","startTime":2842.89,"endTime":2846.82,"body":"the building was attached to as"},{"speaker":"Unknown","startTime":2846.82,"endTime":2849.58,"body":"the grounding force to"},{"speaker":"Unknown","startTime":2846.82,"endTime":2849.58,"body":"circulate, or to create a"},{"speaker":"Unknown","startTime":2849.58,"endTime":2852.79,"body":"circuit of electricity"},{"speaker":"Unknown","startTime":2849.58,"endTime":2852.79,"body":"throughout the building,"},{"speaker":"Unknown","startTime":2852.85,"endTime":2858.22,"body":"therefore making the building"},{"speaker":"Unknown","startTime":2852.85,"endTime":2858.22,"body":"one enormous battery. So I've"},{"speaker":"Unknown","startTime":2858.22,"endTime":2861.37,"body":"thought about that, though,"},{"speaker":"Unknown","startTime":2858.22,"endTime":2861.37,"body":"because of what Tesla does, and"},{"speaker":"Unknown","startTime":2861.37,"endTime":2864.76,"body":"how Tesla was trying to create"},{"speaker":"Unknown","startTime":2861.37,"endTime":2864.76,"body":"free energy for everyone. And I"},{"speaker":"Unknown","startTime":2864.76,"endTime":2868.03,"body":"was like, man, there's all this"},{"speaker":"Unknown","startTime":2864.76,"endTime":2868.03,"body":"electricity out there, all the"},{"speaker":"Unknown","startTime":2868.03,"endTime":2871.15,"body":"pieces are already there, it's"},{"speaker":"Unknown","startTime":2868.03,"endTime":2871.15,"body":"just a matter of getting them"},{"speaker":"Unknown","startTime":2871.42,"endTime":2875.47,"body":"put together in a way that is"},{"speaker":"Unknown","startTime":2871.42,"endTime":2875.47,"body":"effective, without killing"},{"speaker":"Unknown","startTime":2875.47,"endTime":2879.19,"body":"anyone, and without threatening"},{"speaker":"Unknown","startTime":2875.47,"endTime":2879.19,"body":"anyone as far as the economy"},{"speaker":"Unknown","startTime":2879.19,"endTime":2882.34,"body":"goes, because some things that"},{"speaker":"Unknown","startTime":2879.19,"endTime":2882.34,"body":"are possible still are not"},{"speaker":"Unknown","startTime":2882.34,"endTime":2884.17,"body":"allowed, just because they're so"},{"speaker":"Unknown","startTime":2882.34,"endTime":2884.17,"body":"disruptive."},{"speaker":"Josh Bolton","startTime":2885.85,"endTime":2888.13,"body":"Yeah, that's"},{"speaker":"Josh Bolton","startTime":2885.85,"endTime":2888.13,"body":"interesting, because I read"},{"speaker":"Josh Bolton","startTime":2888.46,"endTime":2891.28,"body":"three or four months ago of this"},{"speaker":"Josh Bolton","startTime":2888.46,"endTime":2891.28,"body":"one place in Dubai, where"},{"speaker":"Josh Bolton","startTime":2891.28,"endTime":2896.53,"body":"they're building like 480"},{"speaker":"Josh Bolton","startTime":2891.28,"endTime":2896.53,"body":"stores, it's gonna be the"},{"speaker":"Josh Bolton","startTime":2896.53,"endTime":2900.67,"body":"tallest building ever. And with"},{"speaker":"Josh Bolton","startTime":2896.53,"endTime":2900.67,"body":"the the data demonstration,"},{"speaker":"Josh Bolton","startTime":2900.67,"endTime":2903.19,"body":"where it would be it would be up"},{"speaker":"Josh Bolton","startTime":2900.67,"endTime":2903.19,"body":"in the cloud. So would that be"},{"speaker":"Josh Bolton","startTime":2903.19,"endTime":2904.48,"body":"close enough that I on few"},{"speaker":"Unknown","startTime":2906.07,"endTime":2911.23,"body":"words, so it's funny,"},{"speaker":"Unknown","startTime":2906.07,"endTime":2911.23,"body":"because the ions are just"},{"speaker":"Unknown","startTime":2911.23,"endTime":2914.41,"body":"concentrated, the higher up you"},{"speaker":"Unknown","startTime":2911.23,"endTime":2914.41,"body":"go, when you're getting into the"},{"speaker":"Unknown","startTime":2914.41,"endTime":2917.35,"body":"clouds, that's why you know,"},{"speaker":"Unknown","startTime":2914.41,"endTime":2917.35,"body":"you've got all this electricity"},{"speaker":"Unknown","startTime":2917.35,"endTime":2921.37,"body":"in the clouds, just because of"},{"speaker":"Unknown","startTime":2917.35,"endTime":2921.37,"body":"how high it is. And so it's just"},{"speaker":"Unknown","startTime":2921.37,"endTime":2924.85,"body":"a matter of being able to"},{"speaker":"Unknown","startTime":2921.37,"endTime":2924.85,"body":"capture those ions. So your,"},{"speaker":"Unknown","startTime":2925.21,"endTime":2928.72,"body":"your building has to basically"},{"speaker":"Unknown","startTime":2925.21,"endTime":2928.72,"body":"have almost like spikes on it."},{"speaker":"Unknown","startTime":2928.87,"endTime":2932.44,"body":"And so the spikes are able to"},{"speaker":"Unknown","startTime":2928.87,"endTime":2932.44,"body":"attract the ions on their"},{"speaker":"Unknown","startTime":2932.44,"endTime":2937.45,"body":"points. And then the ion is able"},{"speaker":"Unknown","startTime":2932.44,"endTime":2937.45,"body":"to travel into the into the"},{"speaker":"Unknown","startTime":2937.45,"endTime":2940.09,"body":"grounding wire. And that's"},{"speaker":"Unknown","startTime":2937.45,"endTime":2940.09,"body":"what's able to create that"},{"speaker":"Unknown","startTime":2940.09,"endTime":2942.28,"body":"circuit. So if you've got a"},{"speaker":"Unknown","startTime":2940.09,"endTime":2942.28,"body":"building covered and enough of"},{"speaker":"Unknown","startTime":2942.28,"endTime":2945.79,"body":"those of those spikes, you're"},{"speaker":"Unknown","startTime":2942.28,"endTime":2945.79,"body":"basically and I'm sure I'm"},{"speaker":"Unknown","startTime":2945.79,"endTime":2949.36,"body":"explaining this terribly some,"},{"speaker":"Unknown","startTime":2945.79,"endTime":2949.36,"body":"some average versus electrician"},{"speaker":"Unknown","startTime":2949.36,"endTime":2951.25,"body":"or scientist is probably"},{"speaker":"Unknown","startTime":2949.36,"endTime":2951.25,"body":"watching this and thinking"},{"speaker":"Unknown","startTime":2951.25,"endTime":2957.25,"body":"that's the wrong answer. But the"},{"speaker":"Unknown","startTime":2951.25,"endTime":2957.25,"body":"general idea is simply taking"},{"speaker":"Unknown","startTime":2957.25,"endTime":2960.19,"body":"the positive ions connecting"},{"speaker":"Unknown","startTime":2957.25,"endTime":2960.19,"body":"them with the negative ions, but"},{"speaker":"Unknown","startTime":2960.19,"endTime":2963.91,"body":"doing it in a massive flow, so"},{"speaker":"Unknown","startTime":2960.19,"endTime":2963.91,"body":"that you're able to constantly"},{"speaker":"Unknown","startTime":2963.91,"endTime":2968.17,"body":"generate this, this circuit of"},{"speaker":"Unknown","startTime":2963.91,"endTime":2968.17,"body":"electricity. So it can be done"},{"speaker":"Unknown","startTime":2968.26,"endTime":2971.74,"body":"quite certainly can be done. And"},{"speaker":"Unknown","startTime":2968.26,"endTime":2971.74,"body":"if not, then it'll mean you will"},{"speaker":"Unknown","startTime":2971.74,"endTime":2976.39,"body":"actually need to figure it out."},{"speaker":"Unknown","startTime":2971.74,"endTime":2976.39,"body":"If not, yeah. Figure it out."},{"speaker":"Unknown","startTime":2976.39,"endTime":2978.94,"body":"Hopefully, he doesn't, he"},{"speaker":"Unknown","startTime":2976.39,"endTime":2978.94,"body":"doesn't take everything. I"},{"speaker":"Unknown","startTime":2978.94,"endTime":2981.04,"body":"remember I was a kid I was in"},{"speaker":"Unknown","startTime":2978.94,"endTime":2981.04,"body":"11th grade, I was in"},{"speaker":"Unknown","startTime":2981.04,"endTime":2983.86,"body":"environmental science class."},{"speaker":"Unknown","startTime":2981.04,"endTime":2983.86,"body":"Right. And we were just talking"},{"speaker":"Unknown","startTime":2983.86,"endTime":2986.38,"body":"about like solar panels and all"},{"speaker":"Unknown","startTime":2983.86,"endTime":2986.38,"body":"that stuff. And my first thought"},{"speaker":"Unknown","startTime":2986.38,"endTime":2989.56,"body":"was, oh, someone should just put"},{"speaker":"Unknown","startTime":2986.38,"endTime":2989.56,"body":"solar panels on the car and on"},{"speaker":"Unknown","startTime":2989.56,"endTime":2994.09,"body":"houses and just, you know, turn"},{"speaker":"Unknown","startTime":2989.56,"endTime":2994.09,"body":"like the shingles into solar"},{"speaker":"Unknown","startTime":2994.09,"endTime":2996.58,"body":"panels. They're both black."},{"speaker":"Unknown","startTime":2994.09,"endTime":2996.58,"body":"Anyway, like, that was my"},{"speaker":"Unknown","startTime":2996.58,"endTime":2999.61,"body":"thought and I was just a kid."},{"speaker":"Unknown","startTime":2996.58,"endTime":2999.61,"body":"But sure enough, Elon did and I"},{"speaker":"Unknown","startTime":2999.61,"endTime":3004.29,"body":"was like, Dammit, I should have"},{"speaker":"Unknown","startTime":2999.61,"endTime":3004.29,"body":"done something. I should have"},{"speaker":"Unknown","startTime":3004.29,"endTime":3008.16,"body":"done it. So I'm sure you will"},{"speaker":"Unknown","startTime":3004.29,"endTime":3008.16,"body":"because to me, it's like a"},{"speaker":"Unknown","startTime":3008.16,"endTime":3010.44,"body":"common sense thing, which means"},{"speaker":"Unknown","startTime":3008.16,"endTime":3010.44,"body":"it's probably common sense for"},{"speaker":"Unknown","startTime":3010.44,"endTime":3011.28,"body":"somebody else to."},{"speaker":"Josh Bolton","startTime":3012.36,"endTime":3014.37,"body":"Well, like, for me"},{"speaker":"Josh Bolton","startTime":3012.36,"endTime":3014.37,"body":"the biggest one, it was meant to"},{"speaker":"Josh Bolton","startTime":3014.37,"endTime":3018.09,"body":"be a joke, but I took it quite"},{"speaker":"Josh Bolton","startTime":3014.37,"endTime":3018.09,"body":"literal. And in elementary one"},{"speaker":"Josh Bolton","startTime":3018.09,"endTime":3021.18,"body":"of the teachers like, oh, la"},{"speaker":"Josh Bolton","startTime":3018.09,"endTime":3021.18,"body":"traffic's terrible this snap."},{"speaker":"Josh Bolton","startTime":3021.27,"endTime":3024.18,"body":"Does anyone know how to cure it?"},{"speaker":"Josh Bolton","startTime":3021.27,"endTime":3024.18,"body":"Like as it were, like six to"},{"speaker":"Josh Bolton","startTime":3024.18,"endTime":3027.39,"body":"eight year olds. I was like, why"},{"speaker":"Josh Bolton","startTime":3024.18,"endTime":3027.39,"body":"don't we just dig a hole in the"},{"speaker":"Josh Bolton","startTime":3027.39,"endTime":3029.73,"body":"ground and just have people"},{"speaker":"Josh Bolton","startTime":3027.39,"endTime":3029.73,"body":"drive there. You can't get a car"},{"speaker":"Josh Bolton","startTime":3029.73,"endTime":3030.75,"body":"crash if you're in a hole."},{"speaker":"Unknown","startTime":3033.3,"endTime":3035.52,"body":"And look, now you've"},{"speaker":"Unknown","startTime":3033.3,"endTime":3035.52,"body":"got your long doing the boring"},{"speaker":"Unknown","startTime":3035.52,"endTime":3042.72,"body":"feel on doing that. That's"},{"speaker":"Unknown","startTime":3035.52,"endTime":3042.72,"body":"funny. It's funny, but it's very"},{"speaker":"Unknown","startTime":3042.72,"endTime":3043.2,"body":"true."},{"speaker":"Josh Bolton","startTime":3045.15,"endTime":3049.23,"body":"Exactly. This has"},{"speaker":"Josh Bolton","startTime":3045.15,"endTime":3049.23,"body":"been an absolute honor and a"},{"speaker":"Josh Bolton","startTime":3049.23,"endTime":3052.47,"body":"blast to be with you. I've"},{"speaker":"Josh Bolton","startTime":3049.23,"endTime":3052.47,"body":"learned so much personally."},{"speaker":"Josh Bolton","startTime":3053.16,"endTime":3058.68,"body":"Thank you. We're kin. So my"},{"speaker":"Josh Bolton","startTime":3053.16,"endTime":3058.68,"body":"three going out questions our"},{"speaker":"Josh Bolton","startTime":3059.91,"endTime":3063.27,"body":"first one, other than work, what"},{"speaker":"Josh Bolton","startTime":3059.91,"endTime":3063.27,"body":"have you been doing to keep"},{"speaker":"Josh Bolton","startTime":3063.27,"endTime":3066.9,"body":"yourself busy during these COVID"},{"speaker":"Josh Bolton","startTime":3063.27,"endTime":3066.9,"body":"Time for previous COVID times?"},{"speaker":"Unknown","startTime":3068.52,"endTime":3073.56,"body":"Oh, boy, I actually"},{"speaker":"Unknown","startTime":3068.52,"endTime":3073.56,"body":"work 16 to 20 hours a day, every"},{"speaker":"Unknown","startTime":3073.56,"endTime":3078.63,"body":"day. So that is pretty much my"},{"speaker":"Unknown","startTime":3073.56,"endTime":3078.63,"body":"life. If I'm not working, I'm"},{"speaker":"Unknown","startTime":3078.63,"endTime":3085.35,"body":"doing photography. I will before"},{"speaker":"Unknown","startTime":3078.63,"endTime":3085.35,"body":"the pandemic travel was fun,"},{"speaker":"Unknown","startTime":3085.38,"endTime":3089.31,"body":"like I like traveling. And I"},{"speaker":"Unknown","startTime":3085.38,"endTime":3089.31,"body":"like traveling specifically to"},{"speaker":"Unknown","startTime":3089.31,"endTime":3094.44,"body":"eat. So I like like taking"},{"speaker":"Unknown","startTime":3089.31,"endTime":3094.44,"body":"photos of food. So that's always"},{"speaker":"Unknown","startTime":3094.44,"endTime":3098.34,"body":"fun. And yeah, that's I pretty"},{"speaker":"Unknown","startTime":3094.44,"endTime":3098.34,"body":"much just work though. And"},{"speaker":"Unknown","startTime":3098.34,"endTime":3101.4,"body":"that's mostly it. So I go to bed"},{"speaker":"Unknown","startTime":3098.34,"endTime":3101.4,"body":"at midnight and I wake up at 4am"},{"speaker":"Unknown","startTime":3101.4,"endTime":3104.79,"body":"every day. So sorry, hours"},{"speaker":"Unknown","startTime":3101.4,"endTime":3104.79,"body":"asleep."},{"speaker":"Josh Bolton","startTime":3105.99,"endTime":3111.84,"body":"And slough mad"},{"speaker":"Josh Bolton","startTime":3105.99,"endTime":3111.84,"body":"props, I six hours, my minimum"},{"speaker":"Josh Bolton","startTime":3111.84,"endTime":3112.8,"body":"five minute push shit."},{"speaker":"Unknown","startTime":3114.06,"endTime":3117.33,"body":"But someone for so"},{"speaker":"Unknown","startTime":3114.06,"endTime":3117.33,"body":"long, I can't even help it."},{"speaker":"Josh Bolton","startTime":3118.56,"endTime":3120.18,"body":"Technically, like,"},{"speaker":"Josh Bolton","startTime":3118.56,"endTime":3120.18,"body":"I don't know where the off"},{"speaker":"Josh Bolton","startTime":3120.18,"endTime":3127.74,"body":"switch is now. So someone that's"},{"speaker":"Josh Bolton","startTime":3120.18,"endTime":3127.74,"body":"inspired by you that wants to go"},{"speaker":"Josh Bolton","startTime":3127.74,"endTime":3131.7,"body":"down a similar path. Trader"},{"speaker":"Josh Bolton","startTime":3127.74,"endTime":3131.7,"body":"investor, helper business,"},{"speaker":"Josh Bolton","startTime":3131.7,"endTime":3135.69,"body":"investor trading, and getting"},{"speaker":"Josh Bolton","startTime":3131.7,"endTime":3135.69,"body":"them funds. What are some tips,"},{"speaker":"Josh Bolton","startTime":3135.69,"endTime":3138.27,"body":"tricks or advice, you give them"},{"speaker":"Josh Bolton","startTime":3135.69,"endTime":3138.27,"body":"the start down a similar path."},{"speaker":"Unknown","startTime":3140.97,"endTime":3145.08,"body":"I would invest time in"},{"speaker":"Unknown","startTime":3140.97,"endTime":3145.08,"body":"just properly researching and"},{"speaker":"Unknown","startTime":3145.08,"endTime":3150.54,"body":"planning out your business."},{"speaker":"Unknown","startTime":3145.08,"endTime":3150.54,"body":"Really making sure that the"},{"speaker":"Unknown","startTime":3150.54,"endTime":3154.98,"body":"business you're starting is one"},{"speaker":"Unknown","startTime":3150.54,"endTime":3154.98,"body":"that will add value to the"},{"speaker":"Unknown","startTime":3154.98,"endTime":3158.64,"body":"marketplace. Just because the"},{"speaker":"Unknown","startTime":3154.98,"endTime":3158.64,"body":"internet the world that we live"},{"speaker":"Unknown","startTime":3158.64,"endTime":3164.43,"body":"in, it's so competitive, you can"},{"speaker":"Unknown","startTime":3158.64,"endTime":3164.43,"body":"avoid a lot of difficulty by"},{"speaker":"Unknown","startTime":3164.43,"endTime":3167.85,"body":"just having proper planning from"},{"speaker":"Unknown","startTime":3164.43,"endTime":3167.85,"body":"the very beginning. And making"},{"speaker":"Unknown","startTime":3167.85,"endTime":3170.1,"body":"sure that you're actually"},{"speaker":"Unknown","startTime":3167.85,"endTime":3170.1,"body":"bringing something that is"},{"speaker":"Unknown","startTime":3170.1,"endTime":3173.31,"body":"unique to the market. The other"},{"speaker":"Unknown","startTime":3170.1,"endTime":3173.31,"body":"thing I would make sure I"},{"speaker":"Unknown","startTime":3173.31,"endTime":3176.79,"body":"focused on is handling your"},{"speaker":"Unknown","startTime":3173.31,"endTime":3176.79,"body":"personal credit, I know that"},{"speaker":"Unknown","startTime":3176.79,"endTime":3179.13,"body":"there's this whole narrative out"},{"speaker":"Unknown","startTime":3176.79,"endTime":3179.13,"body":"there about Oh, you don't need"},{"speaker":"Unknown","startTime":3179.13,"endTime":3182.91,"body":"your personal credit, and you"},{"speaker":"Unknown","startTime":3179.13,"endTime":3182.91,"body":"can use your EIN make sure you"},{"speaker":"Unknown","startTime":3182.91,"endTime":3186.51,"body":"handle your personal credit, the"},{"speaker":"Unknown","startTime":3182.91,"endTime":3186.51,"body":"amount of opportunities that"},{"speaker":"Unknown","startTime":3186.51,"endTime":3189.69,"body":"you're limited from just because"},{"speaker":"Unknown","startTime":3186.51,"endTime":3189.69,"body":"you don't have access to money."},{"speaker":"Unknown","startTime":3190.02,"endTime":3194.49,"body":"It's It's astounding. And your"},{"speaker":"Unknown","startTime":3190.02,"endTime":3194.49,"body":"entire business your entire life"},{"speaker":"Unknown","startTime":3194.82,"endTime":3197.61,"body":"will just be dramatically"},{"speaker":"Unknown","startTime":3194.82,"endTime":3197.61,"body":"different in how you go about it"},{"speaker":"Unknown","startTime":3197.61,"endTime":3201.03,"body":"just because you have the you"},{"speaker":"Unknown","startTime":3197.61,"endTime":3201.03,"body":"have access to the funds and the"},{"speaker":"Unknown","startTime":3201.12,"endTime":3205.65,"body":"the credit that you need. And"},{"speaker":"Unknown","startTime":3201.12,"endTime":3205.65,"body":"not having it just makes"},{"speaker":"Unknown","startTime":3205.65,"endTime":3208.11,"body":"everything unnecessarily"},{"speaker":"Unknown","startTime":3205.65,"endTime":3208.11,"body":"difficult. So that would be the"},{"speaker":"Unknown","startTime":3208.11,"endTime":3211.59,"body":"second thing. Yeah. And I guess"},{"speaker":"Unknown","startTime":3208.11,"endTime":3211.59,"body":"the third thing is just make"},{"speaker":"Unknown","startTime":3211.59,"endTime":3215.34,"body":"sure that you are persevering"},{"speaker":"Unknown","startTime":3211.59,"endTime":3215.34,"body":"and just having discipline, and"},{"speaker":"Unknown","startTime":3215.67,"endTime":3218.88,"body":"not just trying to run off of"},{"speaker":"Unknown","startTime":3215.67,"endTime":3218.88,"body":"the fuel that of motivation,"},{"speaker":"Unknown","startTime":3218.88,"endTime":3222.57,"body":"just because motivation by"},{"speaker":"Unknown","startTime":3218.88,"endTime":3222.57,"body":"itself is a pretty weak fuel. If"},{"speaker":"Unknown","startTime":3222.57,"endTime":3225.75,"body":"you have something that is very"},{"speaker":"Unknown","startTime":3222.57,"endTime":3225.75,"body":"disciplined, meaning that you"},{"speaker":"Unknown","startTime":3225.75,"endTime":3228.81,"body":"have structure in order, you're"},{"speaker":"Unknown","startTime":3225.75,"endTime":3228.81,"body":"saying, Hey, these are the"},{"speaker":"Unknown","startTime":3228.81,"endTime":3231.66,"body":"things I'm going to do. And I'm"},{"speaker":"Unknown","startTime":3228.81,"endTime":3231.66,"body":"going to do them and I'm forming"},{"speaker":"Unknown","startTime":3231.66,"endTime":3236.01,"body":"the habit of actually completing"},{"speaker":"Unknown","startTime":3231.66,"endTime":3236.01,"body":"things, you're going to be more"},{"speaker":"Unknown","startTime":3236.01,"endTime":3239.46,"body":"successful, a lot of business"},{"speaker":"Unknown","startTime":3236.01,"endTime":3239.46,"body":"owners, they will start, but you"},{"speaker":"Unknown","startTime":3239.46,"endTime":3241.8,"body":"don't make it to your five, not"},{"speaker":"Unknown","startTime":3239.46,"endTime":3241.8,"body":"just because you ran out of"},{"speaker":"Unknown","startTime":3241.8,"endTime":3245.04,"body":"money, but because you ran out"},{"speaker":"Unknown","startTime":3241.8,"endTime":3245.04,"body":"of that motivation and energy to"},{"speaker":"Unknown","startTime":3245.04,"endTime":3248.31,"body":"keep going. So make sure that"},{"speaker":"Unknown","startTime":3245.04,"endTime":3248.31,"body":"you have discipline because that"},{"speaker":"Unknown","startTime":3248.31,"endTime":3250.41,"body":"is what gets you to do the"},{"speaker":"Unknown","startTime":3248.31,"endTime":3250.41,"body":"things that you're supposed to"},{"speaker":"Unknown","startTime":3250.41,"endTime":3253.5,"body":"do even when you didn't want to."},{"speaker":"Unknown","startTime":3250.41,"endTime":3253.5,"body":"So that's that's what I would I"},{"speaker":"Unknown","startTime":3253.5,"endTime":3257.1,"body":"guess, recommend to a business"},{"speaker":"Unknown","startTime":3253.5,"endTime":3257.1,"body":"owner, all the rest of this"},{"speaker":"Unknown","startTime":3257.1,"endTime":3261.3,"body":"stuff. I mean, yeah, it's pretty"},{"speaker":"Unknown","startTime":3257.1,"endTime":3261.3,"body":"easy to figure out. Don't be"},{"speaker":"Unknown","startTime":3261.3,"endTime":3263.49,"body":"afraid of breaking stuff. I"},{"speaker":"Unknown","startTime":3261.3,"endTime":3263.49,"body":"break something once a week, you"},{"speaker":"Unknown","startTime":3263.49,"endTime":3266.31,"body":"know, I fail at least once a"},{"speaker":"Unknown","startTime":3263.49,"endTime":3266.31,"body":"week just on purpose. I mean,"},{"speaker":"Unknown","startTime":3266.37,"endTime":3268.95,"body":"oh, I wonder what happened. If I"},{"speaker":"Unknown","startTime":3266.37,"endTime":3268.95,"body":"do this, that didn't work out. I"},{"speaker":"Unknown","startTime":3268.95,"endTime":3271.8,"body":"will not do that again. Or go"},{"speaker":"Unknown","startTime":3268.95,"endTime":3271.8,"body":"well, that was that was very"},{"speaker":"Unknown","startTime":3271.8,"endTime":3274.98,"body":"helpful. Let's do more of that."},{"speaker":"Unknown","startTime":3271.8,"endTime":3274.98,"body":"It's okay, this isn't school"},{"speaker":"Unknown","startTime":3275.01,"endTime":3278.25,"body":"where the teacher will give you"},{"speaker":"Unknown","startTime":3275.01,"endTime":3278.25,"body":"a lesson then give you a test"},{"speaker":"Unknown","startTime":3278.25,"endTime":3280.41,"body":"and then give you a greater than"},{"speaker":"Unknown","startTime":3278.25,"endTime":3280.41,"body":"that greatest kind of the end of"},{"speaker":"Unknown","startTime":3280.41,"endTime":3284.31,"body":"it. In life. You get the test"},{"speaker":"Unknown","startTime":3280.41,"endTime":3284.31,"body":"first and the lesson after so"},{"speaker":"Unknown","startTime":3284.46,"endTime":3287.82,"body":"just you know, just do it. Just"},{"speaker":"Unknown","startTime":3284.46,"endTime":3287.82,"body":"do some stuff fail. It's fine."},{"speaker":"Unknown","startTime":3288.12,"endTime":3291.15,"body":"You'll figure out ways not to do"},{"speaker":"Unknown","startTime":3288.12,"endTime":3291.15,"body":"it and you'll be successful as"},{"speaker":"Unknown","startTime":3291.15,"endTime":3297.06,"body":"you continue figuring out ways"},{"speaker":"Unknown","startTime":3291.15,"endTime":3297.06,"body":"to avoid those problems and just"},{"speaker":"Unknown","startTime":3297.06,"endTime":3299.37,"body":"be better. So that's it"},{"speaker":"Josh Bolton","startTime":3300.719,"endTime":3304.379,"body":"I like how you said"},{"speaker":"Josh Bolton","startTime":3300.719,"endTime":3304.379,"body":"life is the test and you get the"},{"speaker":"Josh Bolton","startTime":3304.379,"endTime":3308.459,"body":"lesson at the end. That was That"},{"speaker":"Josh Bolton","startTime":3304.379,"endTime":3308.459,"body":"was deep. I like it. Yes. Well,"},{"speaker":"Josh Bolton","startTime":3308.459,"endTime":3316.379,"body":"thank you. So it's, it's true."},{"speaker":"Josh Bolton","startTime":3308.459,"endTime":3316.379,"body":"It is. So whoever made it this"},{"speaker":"Josh Bolton","startTime":3316.379,"endTime":3318.089,"body":"far and where can everyone"},{"speaker":"Josh Bolton","startTime":3316.379,"endTime":3318.089,"body":"contact you at?"},{"speaker":"Unknown","startTime":3320.19,"endTime":3323.64,"body":"Yep, so you can go to"},{"speaker":"Unknown","startTime":3320.19,"endTime":3323.64,"body":"my business credit.com I"},{"speaker":"Unknown","startTime":3324.36,"endTime":3327.51,"body":"deliberately made that name"},{"speaker":"Unknown","startTime":3324.36,"endTime":3327.51,"body":"super simple, that domain cost"},{"speaker":"Unknown","startTime":3327.51,"endTime":3332.43,"body":"me a lot of money. So by all"},{"speaker":"Unknown","startTime":3327.51,"endTime":3332.43,"body":"means, please visit it. But you"},{"speaker":"Unknown","startTime":3332.43,"endTime":3336.57,"body":"can go to my business credit.com"},{"speaker":"Unknown","startTime":3332.43,"endTime":3336.57,"body":"I believe in providing a lot of"},{"speaker":"Unknown","startTime":3336.57,"endTime":3339.9,"body":"resources to people, just"},{"speaker":"Unknown","startTime":3336.57,"endTime":3339.9,"body":"because I do genuinely want"},{"speaker":"Unknown","startTime":3339.9,"endTime":3344.67,"body":"people to get funded. So"},{"speaker":"Unknown","startTime":3339.9,"endTime":3344.67,"body":"understand that 90% of the"},{"speaker":"Unknown","startTime":3344.67,"endTime":3348.42,"body":"people that we talk to, they do"},{"speaker":"Unknown","startTime":3344.67,"endTime":3348.42,"body":"not qualify. But our job is to"},{"speaker":"Unknown","startTime":3348.42,"endTime":3352.26,"body":"help you get qualified. So find"},{"speaker":"Unknown","startTime":3348.42,"endTime":3352.26,"body":"out what you're missing. And"},{"speaker":"Unknown","startTime":3352.26,"endTime":3355.56,"body":"then work on those things. And"},{"speaker":"Unknown","startTime":3352.26,"endTime":3355.56,"body":"then try again, in 90 days, when"},{"speaker":"Unknown","startTime":3355.56,"endTime":3358.77,"body":"you're more attractive to the"},{"speaker":"Unknown","startTime":3355.56,"endTime":3358.77,"body":"bank. Also, do not take the"},{"speaker":"Unknown","startTime":3358.77,"endTime":3361.8,"body":"first money that people offer"},{"speaker":"Unknown","startTime":3358.77,"endTime":3361.8,"body":"you generally is not the best."},{"speaker":"Unknown","startTime":3362.16,"endTime":3365.55,"body":"And I say that because if"},{"speaker":"Unknown","startTime":3362.16,"endTime":3365.55,"body":"someone is just willing to take"},{"speaker":"Unknown","startTime":3365.55,"endTime":3368.73,"body":"the time to show you, hey, you"},{"speaker":"Unknown","startTime":3365.55,"endTime":3368.73,"body":"qualified for this, but you"},{"speaker":"Unknown","startTime":3368.73,"endTime":3371.19,"body":"really could have qualified for"},{"speaker":"Unknown","startTime":3368.73,"endTime":3371.19,"body":"this other amount if you would"},{"speaker":"Unknown","startTime":3371.19,"endTime":3375.66,"body":"just fix these little things."},{"speaker":"Unknown","startTime":3371.19,"endTime":3375.66,"body":"fix those things and then work"},{"speaker":"Unknown","startTime":3375.66,"endTime":3380.49,"body":"with someone. Just slow down in"},{"speaker":"Unknown","startTime":3375.66,"endTime":3380.49,"body":"how much money you need and how"},{"speaker":"Unknown","startTime":3380.52,"endTime":3383.22,"body":"quickly you're trying to get it"},{"speaker":"Unknown","startTime":3380.52,"endTime":3383.22,"body":"because you can fix your"},{"speaker":"Unknown","startTime":3383.22,"endTime":3386.28,"body":"problems and then you'll be in a"},{"speaker":"Unknown","startTime":3383.22,"endTime":3386.28,"body":"better position. All that is on"},{"speaker":"Unknown","startTime":3386.28,"endTime":3387.54,"body":"my business. credit.com"},{"speaker":"Josh Bolton","startTime":3388.62,"endTime":3390.69,"body":"That's awesome."},{"speaker":"Josh Bolton","startTime":3388.62,"endTime":3390.69,"body":"Thank you so much for everything"},{"speaker":"Josh Bolton","startTime":3390.69,"endTime":3391.14,"body":"again."},{"speaker":"Unknown","startTime":3393.3,"endTime":3396.54,"body":"No problems. Pleasure"},{"speaker":"Unknown","startTime":3393.3,"endTime":3396.54,"body":"to be here. So pleasure"},{"speaker":"Josh Bolton","startTime":3396.54,"endTime":3396.93,"body":"and honor"}]}