{"version":"1.0.0","segments":[{"speaker":"Annemie Tonken","startTime":0.33,"endTime":3.03,"body":"Ever since I"},{"speaker":"Annemie Tonken","startTime":0.33,"endTime":3.03,"body":"started in the education space,"},{"speaker":"Annemie Tonken","startTime":3.03,"endTime":7.95,"body":"one of the first things that I"},{"speaker":"Annemie Tonken","startTime":3.03,"endTime":7.95,"body":"cover, whatever you're learning"},{"speaker":"Annemie Tonken","startTime":7.95,"endTime":11.82,"body":"with me, is pricing. And the"},{"speaker":"Annemie Tonken","startTime":7.95,"endTime":11.82,"body":"reason that I start there, even"},{"speaker":"Annemie Tonken","startTime":11.82,"endTime":14.07,"body":"if someone feels pretty"},{"speaker":"Annemie Tonken","startTime":11.82,"endTime":14.07,"body":"confident in their pricing is"},{"speaker":"Annemie Tonken","startTime":14.07,"endTime":19.08,"body":"that most photographers that I"},{"speaker":"Annemie Tonken","startTime":14.07,"endTime":19.08,"body":"come across are not adequately"},{"speaker":"Annemie Tonken","startTime":19.23,"endTime":24.3,"body":"making space in their pricing"},{"speaker":"Annemie Tonken","startTime":19.23,"endTime":24.3,"body":"budget, so to speak, for saving"},{"speaker":"Annemie Tonken","startTime":24.3,"endTime":26.94,"body":"for the future retirement"},{"speaker":"Annemie Tonken","startTime":24.3,"endTime":26.94,"body":"accounts, that sort of thing."},{"speaker":"Annemie Tonken","startTime":27.21,"endTime":30.99,"body":"Most of us, especially early in"},{"speaker":"Annemie Tonken","startTime":27.21,"endTime":30.99,"body":"our careers are so worried about"},{"speaker":"Annemie Tonken","startTime":30.99,"endTime":34.98,"body":"just paying our day to day"},{"speaker":"Annemie Tonken","startTime":30.99,"endTime":34.98,"body":"expenses, that we tell"},{"speaker":"Annemie Tonken","startTime":34.98,"endTime":38.64,"body":"ourselves, I'll deal with, you"},{"speaker":"Annemie Tonken","startTime":34.98,"endTime":38.64,"body":"know, saving for retirement"},{"speaker":"Annemie Tonken","startTime":38.67,"endTime":42.99,"body":"later, that is a luxury that I"},{"speaker":"Annemie Tonken","startTime":38.67,"endTime":42.99,"body":"can't currently afford. And"},{"speaker":"Annemie Tonken","startTime":43.02,"endTime":47.79,"body":"speaking as someone who went"},{"speaker":"Annemie Tonken","startTime":43.02,"endTime":47.79,"body":"through a divorce and had almost"},{"speaker":"Annemie Tonken","startTime":47.79,"endTime":50.67,"body":"nothing to show for it, when it"},{"speaker":"Annemie Tonken","startTime":47.79,"endTime":50.67,"body":"came to retirement funds and"},{"speaker":"Annemie Tonken","startTime":50.67,"endTime":53.55,"body":"that sort of thing. I have"},{"speaker":"Annemie Tonken","startTime":50.67,"endTime":53.55,"body":"learned kind of late in the"},{"speaker":"Annemie Tonken","startTime":53.55,"endTime":56.82,"body":"game. And definitely the hard"},{"speaker":"Annemie Tonken","startTime":53.55,"endTime":56.82,"body":"way that that is something that"},{"speaker":"Annemie Tonken","startTime":56.82,"endTime":59.28,"body":"can't be put off, and the"},{"speaker":"Annemie Tonken","startTime":56.82,"endTime":59.28,"body":"further you put it off, the"},{"speaker":"Annemie Tonken","startTime":59.28,"endTime":62.94,"body":"harder it is to catch up. So"},{"speaker":"Annemie Tonken","startTime":59.28,"endTime":62.94,"body":"it's something that you know,"},{"speaker":"Annemie Tonken","startTime":62.94,"endTime":67.32,"body":"I'm not a financial advisor, I"},{"speaker":"Annemie Tonken","startTime":62.94,"endTime":67.32,"body":"don't feel prepared to give"},{"speaker":"Annemie Tonken","startTime":67.32,"endTime":70.29,"body":"people advice about how to"},{"speaker":"Annemie Tonken","startTime":67.32,"endTime":70.29,"body":"handle their money. But one"},{"speaker":"Annemie Tonken","startTime":70.29,"endTime":73.86,"body":"thing that I can very"},{"speaker":"Annemie Tonken","startTime":70.29,"endTime":73.86,"body":"confidently tell people is that"},{"speaker":"Annemie Tonken","startTime":73.86,"endTime":76.83,"body":"a you want to set up your"},{"speaker":"Annemie Tonken","startTime":73.86,"endTime":76.83,"body":"photography business correctly."},{"speaker":"Annemie Tonken","startTime":77.07,"endTime":82.65,"body":"And be you always want to have"},{"speaker":"Annemie Tonken","startTime":77.07,"endTime":82.65,"body":"an eye on the future of not only"},{"speaker":"Annemie Tonken","startTime":82.65,"endTime":85.68,"body":"your business, but your life,"},{"speaker":"Annemie Tonken","startTime":82.65,"endTime":85.68,"body":"right. I mean, we work in an"},{"speaker":"Annemie Tonken","startTime":85.68,"endTime":90.87,"body":"industry where at some point,"},{"speaker":"Annemie Tonken","startTime":85.68,"endTime":90.87,"body":"you are probably going to want"},{"speaker":"Annemie Tonken","startTime":90.87,"endTime":95.97,"body":"to consider scaling back or"},{"speaker":"Annemie Tonken","startTime":90.87,"endTime":95.97,"body":"stopping doing the literal heavy"},{"speaker":"Annemie Tonken","startTime":95.97,"endTime":99.9,"body":"lifting of photography, wedding"},{"speaker":"Annemie Tonken","startTime":95.97,"endTime":99.9,"body":"photographers I know, you know,"},{"speaker":"Annemie Tonken","startTime":99.9,"endTime":104.04,"body":"at some point or another, they"},{"speaker":"Annemie Tonken","startTime":99.9,"endTime":104.04,"body":"say these 1012 hour days"},{"speaker":"Annemie Tonken","startTime":104.04,"endTime":107.07,"body":"carrying around heavy equipment"},{"speaker":"Annemie Tonken","startTime":104.04,"endTime":107.07,"body":"and trying to keep my energy up."},{"speaker":"Annemie Tonken","startTime":107.37,"endTime":110.16,"body":"That's not something that I can"},{"speaker":"Annemie Tonken","startTime":107.37,"endTime":110.16,"body":"continue to do until I'm 70"},{"speaker":"Annemie Tonken","startTime":110.16,"endTime":113.49,"body":"years old. As a family"},{"speaker":"Annemie Tonken","startTime":110.16,"endTime":113.49,"body":"photographer who frequently has"},{"speaker":"Annemie Tonken","startTime":113.49,"endTime":116.28,"body":"clients with two and three year"},{"speaker":"Annemie Tonken","startTime":113.49,"endTime":116.28,"body":"old kids, you know, I'm down,"},{"speaker":"Annemie Tonken","startTime":116.55,"endTime":119.64,"body":"running around on my knees or"},{"speaker":"Annemie Tonken","startTime":116.55,"endTime":119.64,"body":"trying to crawl under the coffee"},{"speaker":"Annemie Tonken","startTime":119.64,"endTime":123.75,"body":"table to get that fun photo of a"},{"speaker":"Annemie Tonken","startTime":119.64,"endTime":123.75,"body":"toddler. And that's not"},{"speaker":"Annemie Tonken","startTime":123.75,"endTime":127.71,"body":"something that I anticipate"},{"speaker":"Annemie Tonken","startTime":123.75,"endTime":127.71,"body":"being able to do when I am much"},{"speaker":"Annemie Tonken","startTime":127.71,"endTime":131.13,"body":"older. And of course, there's"},{"speaker":"Annemie Tonken","startTime":127.71,"endTime":131.13,"body":"always the potential that you"},{"speaker":"Annemie Tonken","startTime":131.13,"endTime":135.0,"body":"become injured, or handicapped"},{"speaker":"Annemie Tonken","startTime":131.13,"endTime":135.0,"body":"in a way that limits you from"},{"speaker":"Annemie Tonken","startTime":135.0,"endTime":138.93,"body":"doing the work of a"},{"speaker":"Annemie Tonken","startTime":135.0,"endTime":138.93,"body":"photographer. So in addition to"},{"speaker":"Annemie Tonken","startTime":138.93,"endTime":141.57,"body":"setting your photography,"},{"speaker":"Annemie Tonken","startTime":138.93,"endTime":141.57,"body":"business upright, and making"},{"speaker":"Annemie Tonken","startTime":141.57,"endTime":145.59,"body":"sure that you're, you know,"},{"speaker":"Annemie Tonken","startTime":141.57,"endTime":145.59,"body":"giving yourself padding and"},{"speaker":"Annemie Tonken","startTime":145.59,"endTime":148.86,"body":"being able to save and all that"},{"speaker":"Annemie Tonken","startTime":145.59,"endTime":148.86,"body":"sort of thing. I also think that"},{"speaker":"Annemie Tonken","startTime":148.86,"endTime":153.54,"body":"it is just basic good advice to"},{"speaker":"Annemie Tonken","startTime":148.86,"endTime":153.54,"body":"consider what if something were"},{"speaker":"Annemie Tonken","startTime":153.54,"endTime":158.76,"body":"to happen, what would be a"},{"speaker":"Annemie Tonken","startTime":153.54,"endTime":158.76,"body":"fallback for my income, and that"},{"speaker":"Annemie Tonken","startTime":158.76,"endTime":161.76,"body":"could be something inside the"},{"speaker":"Annemie Tonken","startTime":158.76,"endTime":161.76,"body":"photography space, it could be"},{"speaker":"Annemie Tonken","startTime":162.06,"endTime":165.99,"body":"education, like what I'm doing"},{"speaker":"Annemie Tonken","startTime":162.06,"endTime":165.99,"body":"here, it could be something"},{"speaker":"Annemie Tonken","startTime":166.02,"endTime":169.05,"body":"outside the photography space."},{"speaker":"Annemie Tonken","startTime":166.02,"endTime":169.05,"body":"So you know, if you're a really"},{"speaker":"Annemie Tonken","startTime":169.05,"endTime":172.95,"body":"good editor, you could be a"},{"speaker":"Annemie Tonken","startTime":169.05,"endTime":172.95,"body":"photography editor on the side,"},{"speaker":"Annemie Tonken","startTime":172.95,"endTime":175.86,"body":"you could be a website"},{"speaker":"Annemie Tonken","startTime":172.95,"endTime":175.86,"body":"copywriter on the side, you"},{"speaker":"Annemie Tonken","startTime":175.86,"endTime":178.5,"body":"could do all kinds of different"},{"speaker":"Annemie Tonken","startTime":175.86,"endTime":178.5,"body":"things within photography. And"},{"speaker":"Annemie Tonken","startTime":178.5,"endTime":181.56,"body":"of course, there are countless"},{"speaker":"Annemie Tonken","startTime":178.5,"endTime":181.56,"body":"ways to earn money outside of"},{"speaker":"Annemie Tonken","startTime":181.56,"endTime":185.46,"body":"photography. But today's"},{"speaker":"Annemie Tonken","startTime":181.56,"endTime":185.46,"body":"conversation is centered on this"},{"speaker":"Annemie Tonken","startTime":185.46,"endTime":191.04,"body":"idea of diversifying your income"},{"speaker":"Annemie Tonken","startTime":185.46,"endTime":191.04,"body":"thinking about how you can"},{"speaker":"Annemie Tonken","startTime":191.07,"endTime":196.98,"body":"protect yourself from the"},{"speaker":"Annemie Tonken","startTime":191.07,"endTime":196.98,"body":"potential for one part of your"},{"speaker":"Annemie Tonken","startTime":197.01,"endTime":201.27,"body":"income getting reduced or even"},{"speaker":"Annemie Tonken","startTime":197.01,"endTime":201.27,"body":"cut off. And the person that I"},{"speaker":"Annemie Tonken","startTime":201.27,"endTime":205.11,"body":"get to talk with that about is"},{"speaker":"Annemie Tonken","startTime":201.27,"endTime":205.11,"body":"Nikki Closser. Nikki is a"},{"speaker":"Annemie Tonken","startTime":205.14,"endTime":208.29,"body":"longtime photographer, she does"},{"speaker":"Annemie Tonken","startTime":205.14,"endTime":208.29,"body":"personal brand work that is"},{"speaker":"Annemie Tonken","startTime":208.29,"endTime":212.55,"body":"amazing. But she has also"},{"speaker":"Annemie Tonken","startTime":208.29,"endTime":212.55,"body":"diversified her own portfolio."},{"speaker":"Annemie Tonken","startTime":212.82,"endTime":216.99,"body":"She is now the host of the"},{"speaker":"Annemie Tonken","startTime":212.82,"endTime":216.99,"body":"Portrait System Podcast with the"},{"speaker":"Annemie Tonken","startTime":216.99,"endTime":220.62,"body":"Sue Bryce education team. And"},{"speaker":"Annemie Tonken","startTime":216.99,"endTime":220.62,"body":"you may know her from there. She"},{"speaker":"Annemie Tonken","startTime":220.62,"endTime":224.04,"body":"also has gotten into real estate"},{"speaker":"Annemie Tonken","startTime":220.62,"endTime":224.04,"body":"investing and some other things."},{"speaker":"Annemie Tonken","startTime":224.04,"endTime":229.59,"body":"And we are basically just kind"},{"speaker":"Annemie Tonken","startTime":224.04,"endTime":229.59,"body":"of chatting about how our own"},{"speaker":"Annemie Tonken","startTime":229.59,"endTime":233.94,"body":"personal stories have led us to"},{"speaker":"Annemie Tonken","startTime":229.59,"endTime":233.94,"body":"making those decisions and"},{"speaker":"Annemie Tonken","startTime":233.94,"endTime":237.48,"body":"protecting our businesses. And I"},{"speaker":"Annemie Tonken","startTime":233.94,"endTime":237.48,"body":"hope that this serves as a"},{"speaker":"Annemie Tonken","startTime":237.48,"endTime":241.59,"body":"reminder and an inspiration for"},{"speaker":"Annemie Tonken","startTime":237.48,"endTime":241.59,"body":"you as well. So without further"},{"speaker":"Annemie Tonken","startTime":241.59,"endTime":246.6,"body":"ado, I will cue the music and"},{"speaker":"Annemie Tonken","startTime":241.59,"endTime":246.6,"body":"introduce Nikki. Welcome to this"},{"speaker":"Annemie Tonken","startTime":246.6,"endTime":250.05,"body":"can't be that hard. My name is"},{"speaker":"Annemie Tonken","startTime":246.6,"endTime":250.05,"body":"Annemie Tonken. And I help"},{"speaker":"Annemie Tonken","startTime":250.05,"endTime":253.26,"body":"photographers run profitable,"},{"speaker":"Annemie Tonken","startTime":250.05,"endTime":253.26,"body":"sustainable businesses that they"},{"speaker":"Annemie Tonken","startTime":253.26,"endTime":257.94,"body":"love. Each week on the podcast,"},{"speaker":"Annemie Tonken","startTime":253.26,"endTime":257.94,"body":"I cover simple, actionable"},{"speaker":"Annemie Tonken","startTime":257.94,"endTime":261.12,"body":"strategies and systems that"},{"speaker":"Annemie Tonken","startTime":257.94,"endTime":261.12,"body":"photographers at every level of"},{"speaker":"Annemie Tonken","startTime":261.12,"endTime":264.93,"body":"experience can use to earn more"},{"speaker":"Annemie Tonken","startTime":261.12,"endTime":264.93,"body":"money in a more sustainable way."},{"speaker":"Annemie Tonken","startTime":265.83,"endTime":268.8,"body":"Running a photography business"},{"speaker":"Annemie Tonken","startTime":265.83,"endTime":268.8,"body":"doesn't have to be that hard."},{"speaker":"Annemie Tonken","startTime":269.25,"endTime":271.5,"body":"You can do it. And I can show"},{"speaker":"Annemie Tonken","startTime":269.25,"endTime":271.5,"body":"you how."},{"speaker":"Annemie Tonken","startTime":275.28,"endTime":278.37,"body":"Nikki Closser are welcome to"},{"speaker":"Annemie Tonken","startTime":275.28,"endTime":278.37,"body":"this can't be that hard. It's so"},{"speaker":"Annemie Tonken","startTime":278.37,"endTime":281.82,"body":"great to see you and to to get"},{"speaker":"Annemie Tonken","startTime":278.37,"endTime":281.82,"body":"to chat with you again. How are"},{"speaker":"Annemie Tonken","startTime":281.82,"endTime":283.11,"body":"you in Hi,"},{"speaker":"Nikki Closser","startTime":283.17,"endTime":285.63,"body":"I'm great. It's"},{"speaker":"Nikki Closser","startTime":283.17,"endTime":285.63,"body":"such an honor to be here. Thank"},{"speaker":"Nikki Closser","startTime":285.63,"endTime":286.41,"body":"you for having me."},{"speaker":"Annemie Tonken","startTime":286.44,"endTime":289.83,"body":"Oh no, the honor"},{"speaker":"Annemie Tonken","startTime":286.44,"endTime":289.83,"body":"is all mine. I got to chat with"},{"speaker":"Annemie Tonken","startTime":289.83,"endTime":294.06,"body":"you on your podcast. Gosh, it"},{"speaker":"Annemie Tonken","startTime":289.83,"endTime":294.06,"body":"feels like ages ago and we have"},{"speaker":"Annemie Tonken","startTime":294.06,"endTime":297.0,"body":"been waiting and then I got"},{"speaker":"Annemie Tonken","startTime":294.06,"endTime":297.0,"body":"COVID And it's like delay delay"},{"speaker":"Annemie Tonken","startTime":297.0,"endTime":300.0,"body":"delay. So I'm super excited for"},{"speaker":"Annemie Tonken","startTime":297.0,"endTime":300.0,"body":"today's conversation."},{"speaker":"Nikki Closser","startTime":300.06,"endTime":302.22,"body":"Yeah, let's do"},{"speaker":"Nikki Closser","startTime":300.06,"endTime":302.22,"body":"it. So yeah,"},{"speaker":"Annemie Tonken","startTime":302.22,"endTime":304.56,"body":"I guess we'll"},{"speaker":"Annemie Tonken","startTime":302.22,"endTime":304.56,"body":"start out the way we normally"},{"speaker":"Annemie Tonken","startTime":304.56,"endTime":307.5,"body":"start out, which is to just have"},{"speaker":"Annemie Tonken","startTime":304.56,"endTime":307.5,"body":"you introduce yourself in case"},{"speaker":"Annemie Tonken","startTime":307.5,"endTime":310.41,"body":"anyone doesn't know who you are"},{"speaker":"Annemie Tonken","startTime":307.5,"endTime":310.41,"body":"and what you do. And then we'll"},{"speaker":"Annemie Tonken","startTime":310.41,"endTime":311.13,"body":"go from there."},{"speaker":"Nikki Closser","startTime":311.25,"endTime":314.67,"body":"Okay, I'm Nikki"},{"speaker":"Nikki Closser","startTime":311.25,"endTime":314.67,"body":"Clauser. And, gosh, you know, I,"},{"speaker":"Nikki Closser","startTime":315.0,"endTime":317.4,"body":"I try whenever people ask me,"},{"speaker":"Nikki Closser","startTime":315.0,"endTime":317.4,"body":"like, what do you do, and I'm"},{"speaker":"Nikki Closser","startTime":317.4,"endTime":320.91,"body":"like, Well, I do a lot of"},{"speaker":"Nikki Closser","startTime":317.4,"endTime":320.91,"body":"things. I've been a portrait"},{"speaker":"Nikki Closser","startTime":320.91,"endTime":324.21,"body":"photographer for 10 years. Prior"},{"speaker":"Nikki Closser","startTime":320.91,"endTime":324.21,"body":"to that I was a school social"},{"speaker":"Nikki Closser","startTime":324.21,"endTime":329.28,"body":"worker for 12 years. So that was"},{"speaker":"Nikki Closser","startTime":324.21,"endTime":329.28,"body":"a total changing career. And now"},{"speaker":"Nikki Closser","startTime":329.28,"endTime":332.19,"body":"I host the portrait system"},{"speaker":"Nikki Closser","startTime":329.28,"endTime":332.19,"body":"podcast, I do photography,"},{"speaker":"Nikki Closser","startTime":332.19,"endTime":335.37,"body":"education, I do some real estate"},{"speaker":"Nikki Closser","startTime":332.19,"endTime":335.37,"body":"investing, I have a business"},{"speaker":"Nikki Closser","startTime":335.37,"endTime":338.76,"body":"there. So kind of dabble in a"},{"speaker":"Nikki Closser","startTime":335.37,"endTime":338.76,"body":"lot of different things. But"},{"speaker":"Nikki Closser","startTime":338.76,"endTime":344.25,"body":"photography has been my, like,"},{"speaker":"Nikki Closser","startTime":338.76,"endTime":344.25,"body":"base income for the last decade."},{"speaker":"Annemie Tonken","startTime":344.55,"endTime":346.41,"body":"And I mean, part"},{"speaker":"Annemie Tonken","startTime":344.55,"endTime":346.41,"body":"of the reason that we're"},{"speaker":"Annemie Tonken","startTime":346.41,"endTime":349.89,"body":"chatting today is because you do"},{"speaker":"Annemie Tonken","startTime":346.41,"endTime":349.89,"body":"have your fingers in so many"},{"speaker":"Annemie Tonken","startTime":349.89,"endTime":352.77,"body":"pies, and you do it all. So"},{"speaker":"Annemie Tonken","startTime":349.89,"endTime":352.77,"body":"well. And I think that as"},{"speaker":"Annemie Tonken","startTime":352.77,"endTime":358.83,"body":"creatives a lot of us have, and"},{"speaker":"Annemie Tonken","startTime":352.77,"endTime":358.83,"body":"I don't want to like misuse an"},{"speaker":"Annemie Tonken","startTime":358.83,"endTime":363.33,"body":"actual medical diagnostic term,"},{"speaker":"Annemie Tonken","startTime":358.83,"endTime":363.33,"body":"but like, we kind of have life"},{"speaker":"Annemie Tonken","startTime":363.33,"endTime":366.99,"body":"ADHD, where we get excited and"},{"speaker":"Annemie Tonken","startTime":363.33,"endTime":366.99,"body":"inspired by a lot of different"},{"speaker":"Annemie Tonken","startTime":366.99,"endTime":371.82,"body":"things. And so, you know,"},{"speaker":"Annemie Tonken","startTime":366.99,"endTime":371.82,"body":"pursuing all of those passions,"},{"speaker":"Annemie Tonken","startTime":371.82,"endTime":376.23,"body":"or several of those passions,"},{"speaker":"Annemie Tonken","startTime":371.82,"endTime":376.23,"body":"can be problematic if you're not"},{"speaker":"Annemie Tonken","startTime":376.23,"endTime":379.65,"body":"giving anything, your full"},{"speaker":"Annemie Tonken","startTime":376.23,"endTime":379.65,"body":"attention. But it can also be a"},{"speaker":"Annemie Tonken","startTime":379.65,"endTime":384.27,"body":"really good way to diversify"},{"speaker":"Annemie Tonken","startTime":379.65,"endTime":384.27,"body":"your income and protect yourself"},{"speaker":"Annemie Tonken","startTime":384.54,"endTime":388.77,"body":"from you know, the inevitable"},{"speaker":"Annemie Tonken","startTime":384.54,"endTime":388.77,"body":"ebbs and flows of business, in"},{"speaker":"Annemie Tonken","startTime":388.77,"endTime":394.38,"body":"whatever corner you're in. So,"},{"speaker":"Annemie Tonken","startTime":388.77,"endTime":394.38,"body":"so yeah, I think that giving us"},{"speaker":"Annemie Tonken","startTime":394.41,"endTime":399.0,"body":"kind of the backstory on your"},{"speaker":"Annemie Tonken","startTime":394.41,"endTime":399.0,"body":"journey, and how you have come"},{"speaker":"Annemie Tonken","startTime":399.0,"endTime":402.48,"body":"to do so many things. So well,"},{"speaker":"Annemie Tonken","startTime":399.0,"endTime":402.48,"body":"it's gonna be really"},{"speaker":"Annemie Tonken","startTime":402.48,"endTime":405.84,"body":"enlightening. So yeah, let's"},{"speaker":"Annemie Tonken","startTime":402.48,"endTime":405.84,"body":"kind of rewind it back to when"},{"speaker":"Annemie Tonken","startTime":405.84,"endTime":409.14,"body":"you were switching over from"},{"speaker":"Annemie Tonken","startTime":405.84,"endTime":409.14,"body":"social work into photography."},{"speaker":"Nikki Closser","startTime":409.5,"endTime":411.42,"body":"Yeah, you just"},{"speaker":"Nikki Closser","startTime":409.5,"endTime":411.42,"body":"said that. So perfectly the way"},{"speaker":"Nikki Closser","startTime":411.42,"endTime":414.21,"body":"you just described all of that."},{"speaker":"Nikki Closser","startTime":411.42,"endTime":414.21,"body":"Yeah, I feel like I have the 10"},{"speaker":"Nikki Closser","startTime":414.21,"endTime":417.72,"body":"year itch with my career."},{"speaker":"Nikki Closser","startTime":414.21,"endTime":417.72,"body":"Because like I said, social"},{"speaker":"Nikki Closser","startTime":417.72,"endTime":421.56,"body":"worker for 12 years, and I got"},{"speaker":"Nikki Closser","startTime":417.72,"endTime":421.56,"body":"to the point where I was just so"},{"speaker":"Nikki Closser","startTime":421.56,"endTime":425.25,"body":"burned out. And I mean, let's"},{"speaker":"Nikki Closser","startTime":421.56,"endTime":425.25,"body":"face it, social workers do not"},{"speaker":"Nikki Closser","startTime":425.25,"endTime":428.64,"body":"make the big bucks. You know, I"},{"speaker":"Nikki Closser","startTime":425.25,"endTime":428.64,"body":"was I didn't know how to manage"},{"speaker":"Nikki Closser","startTime":428.64,"endTime":433.44,"body":"money at the time. So I was in"},{"speaker":"Nikki Closser","startTime":428.64,"endTime":433.44,"body":"debt, I was unhappy. And it was,"},{"speaker":"Nikki Closser","startTime":433.53,"endTime":436.29,"body":"and that's not not normally like"},{"speaker":"Nikki Closser","startTime":433.53,"endTime":436.29,"body":"me, like, my disposition is"},{"speaker":"Nikki Closser","startTime":436.29,"endTime":439.2,"body":"usually pretty cherry, you know,"},{"speaker":"Nikki Closser","startTime":436.29,"endTime":439.2,"body":"I didn't struggle with"},{"speaker":"Nikki Closser","startTime":439.2,"endTime":441.84,"body":"depression before. And when that"},{"speaker":"Nikki Closser","startTime":439.2,"endTime":441.84,"body":"hit my husband, I were like,"},{"speaker":"Nikki Closser","startTime":441.87,"endTime":445.8,"body":"Okay. And I kind of said, like,"},{"speaker":"Nikki Closser","startTime":441.87,"endTime":445.8,"body":"I just have to do something"},{"speaker":"Nikki Closser","startTime":445.8,"endTime":448.98,"body":"different. And I decided I was"},{"speaker":"Nikki Closser","startTime":445.8,"endTime":448.98,"body":"going to do photography, like on"},{"speaker":"Nikki Closser","startTime":448.98,"endTime":452.1,"body":"a whim. And the next thing I"},{"speaker":"Nikki Closser","startTime":448.98,"endTime":452.1,"body":"knew, I was just slowly but"},{"speaker":"Nikki Closser","startTime":452.1,"endTime":454.38,"body":"surely growing my business, and"},{"speaker":"Nikki Closser","startTime":452.1,"endTime":454.38,"body":"I ended up going down to part"},{"speaker":"Nikki Closser","startTime":454.38,"endTime":459.36,"body":"time, for a full year at the"},{"speaker":"Nikki Closser","startTime":454.38,"endTime":459.36,"body":"school. And then after that part"},{"speaker":"Nikki Closser","startTime":459.36,"endTime":465.12,"body":"time, for a year, I was able to"},{"speaker":"Nikki Closser","startTime":459.36,"endTime":465.12,"body":"quit that job and really just do"},{"speaker":"Nikki Closser","startTime":465.12,"endTime":469.35,"body":"photography full time. So yeah,"},{"speaker":"Nikki Closser","startTime":465.12,"endTime":469.35,"body":"it was pretty cool. And it's not"},{"speaker":"Nikki Closser","startTime":469.35,"endTime":472.11,"body":"like, it's not like my husband"},{"speaker":"Nikki Closser","startTime":469.35,"endTime":472.11,"body":"had this, like amazing job where"},{"speaker":"Nikki Closser","startTime":472.11,"endTime":475.02,"body":"he could pay the bills, you"},{"speaker":"Nikki Closser","startTime":472.11,"endTime":475.02,"body":"know, like I needed to pull my"},{"speaker":"Nikki Closser","startTime":475.02,"endTime":480.06,"body":"weight when it came to bills. So"},{"speaker":"Nikki Closser","startTime":475.02,"endTime":480.06,"body":"that was, I think that helped to"},{"speaker":"Nikki Closser","startTime":480.06,"endTime":482.52,"body":"motivate me a little bit to work"},{"speaker":"Nikki Closser","startTime":480.06,"endTime":482.52,"body":"even harder."},{"speaker":"Annemie Tonken","startTime":483.15,"endTime":486.48,"body":"Whenever I mean,"},{"speaker":"Annemie Tonken","startTime":483.15,"endTime":486.48,"body":"if anyone listening knows my"},{"speaker":"Annemie Tonken","startTime":486.48,"endTime":489.72,"body":"backstory for sure, I switched"},{"speaker":"Annemie Tonken","startTime":486.48,"endTime":489.72,"body":"over from nursing to"},{"speaker":"Annemie Tonken","startTime":489.72,"endTime":493.08,"body":"photography, and it was the same"},{"speaker":"Annemie Tonken","startTime":489.72,"endTime":493.08,"body":"thing. It was like I was working"},{"speaker":"Annemie Tonken","startTime":493.08,"endTime":496.8,"body":"two full time jobs for a while"},{"speaker":"Annemie Tonken","startTime":493.08,"endTime":496.8,"body":"because I knew that the only way"},{"speaker":"Annemie Tonken","startTime":496.8,"endTime":499.23,"body":"that I could go full time on"},{"speaker":"Annemie Tonken","startTime":496.8,"endTime":499.23,"body":"photography is if I was"},{"speaker":"Annemie Tonken","startTime":499.44,"endTime":503.55,"body":"replacing my income or better,"},{"speaker":"Annemie Tonken","startTime":499.44,"endTime":503.55,"body":"like we write me. And so it was"},{"speaker":"Annemie Tonken","startTime":503.58,"endTime":508.74,"body":"from day one. I was like, I have"},{"speaker":"Annemie Tonken","startTime":503.58,"endTime":508.74,"body":"to get this. Right. Yeah, yeah."},{"speaker":"Annemie Tonken","startTime":508.77,"endTime":513.03,"body":"Which is a good motivator for"},{"speaker":"Annemie Tonken","startTime":508.77,"endTime":513.03,"body":"sure. But when you first started"},{"speaker":"Annemie Tonken","startTime":513.03,"endTime":516.57,"body":"in photography, what, what kind"},{"speaker":"Annemie Tonken","startTime":513.03,"endTime":516.57,"body":"of genre were you focused on?"},{"speaker":"Nikki Closser","startTime":516.96,"endTime":519.18,"body":"I started a"},{"speaker":"Nikki Closser","startTime":516.96,"endTime":519.18,"body":"little bit of everything I did,"},{"speaker":"Nikki Closser","startTime":519.18,"endTime":523.74,"body":"the families I was doing like"},{"speaker":"Nikki Closser","startTime":519.18,"endTime":523.74,"body":"the $75 shoots in the park. You"},{"speaker":"Nikki Closser","startTime":523.74,"endTime":526.98,"body":"know, seniors, I never did"},{"speaker":"Nikki Closser","startTime":523.74,"endTime":526.98,"body":"babies. That was something I"},{"speaker":"Nikki Closser","startTime":526.98,"endTime":529.71,"body":"didn't really do. I didn't"},{"speaker":"Nikki Closser","startTime":526.98,"endTime":529.71,"body":"weddings, I did weddings for"},{"speaker":"Nikki Closser","startTime":529.71,"endTime":535.05,"body":"about five years. But the thing"},{"speaker":"Nikki Closser","startTime":529.71,"endTime":535.05,"body":"that really stuck with me that I"},{"speaker":"Nikki Closser","startTime":535.05,"endTime":538.53,"body":"resonated with so much was"},{"speaker":"Nikki Closser","startTime":535.05,"endTime":538.53,"body":"personal branding. So I started"},{"speaker":"Nikki Closser","startTime":538.53,"endTime":544.26,"body":"doing that back in 2012 was when"},{"speaker":"Nikki Closser","startTime":538.53,"endTime":544.26,"body":"I started and I realized like, I"},{"speaker":"Nikki Closser","startTime":544.26,"endTime":548.19,"body":"love this, like I love helping"},{"speaker":"Nikki Closser","startTime":544.26,"endTime":548.19,"body":"entrepreneurs. I mean,"},{"speaker":"Nikki Closser","startTime":548.22,"endTime":551.4,"body":"ultimately getting new photos,"},{"speaker":"Nikki Closser","startTime":548.22,"endTime":551.4,"body":"this might sound a little"},{"speaker":"Nikki Closser","startTime":551.4,"endTime":554.13,"body":"dramatic, but getting new photos"},{"speaker":"Nikki Closser","startTime":551.4,"endTime":554.13,"body":"helps them make more money,"},{"speaker":"Nikki Closser","startTime":554.61,"endTime":558.18,"body":"ultimately, in the end, which"},{"speaker":"Nikki Closser","startTime":554.61,"endTime":558.18,"body":"means they have Okay, I want to"},{"speaker":"Nikki Closser","startTime":558.18,"endTime":560.76,"body":"start by saying I'm probably"},{"speaker":"Nikki Closser","startTime":558.18,"endTime":560.76,"body":"going to talk a lot about money"},{"speaker":"Nikki Closser","startTime":560.79,"endTime":563.52,"body":"throughout this, but I don't"},{"speaker":"Nikki Closser","startTime":560.79,"endTime":563.52,"body":"want it to be it's not so much"},{"speaker":"Nikki Closser","startTime":563.52,"endTime":567.84,"body":"about the money. It's about the"},{"speaker":"Nikki Closser","startTime":563.52,"endTime":567.84,"body":"experiences, that money offers"},{"speaker":"Nikki Closser","startTime":567.84,"endTime":571.8,"body":"my life and the things that I"},{"speaker":"Nikki Closser","startTime":567.84,"endTime":571.8,"body":"get to do because of the money."},{"speaker":"Nikki Closser","startTime":571.89,"endTime":575.37,"body":"So when I say like I help other"},{"speaker":"Nikki Closser","startTime":571.89,"endTime":575.37,"body":"people make money. It's"},{"speaker":"Nikki Closser","startTime":575.61,"endTime":578.25,"body":"ultimately bettering their life"},{"speaker":"Nikki Closser","startTime":575.61,"endTime":578.25,"body":"because they get to do the"},{"speaker":"Nikki Closser","startTime":578.25,"endTime":580.71,"body":"things they want to. I mean"},{"speaker":"Nikki Closser","startTime":578.25,"endTime":580.71,"body":"making sense like I just don't"},{"speaker":"Nikki Closser","startTime":580.71,"endTime":583.2,"body":"want it to sound like it's all"},{"speaker":"Nikki Closser","startTime":580.71,"endTime":583.2,"body":"about the money but it's life"},{"speaker":"Nikki Closser","startTime":583.2,"endTime":583.83,"body":"experience."},{"speaker":"Annemie Tonken","startTime":583.86,"endTime":585.48,"body":"I actually"},{"speaker":"Annemie Tonken","startTime":583.86,"endTime":585.48,"body":"really appreciate you bringing"},{"speaker":"Annemie Tonken","startTime":585.48,"endTime":590.43,"body":"that up because I make a point"},{"speaker":"Annemie Tonken","startTime":585.48,"endTime":590.43,"body":"on here as much as is relevant."},{"speaker":"Annemie Tonken","startTime":590.43,"endTime":593.31,"body":"Like I'm not just like money,"},{"speaker":"Annemie Tonken","startTime":590.43,"endTime":593.31,"body":"money, money, money, money, but"},{"speaker":"Annemie Tonken","startTime":593.55,"endTime":597.18,"body":"the fact of the matter is that"},{"speaker":"Annemie Tonken","startTime":593.55,"endTime":597.18,"body":"most of us do not have the"},{"speaker":"Annemie Tonken","startTime":597.18,"endTime":602.76,"body":"luxury of working for fun If you"},{"speaker":"Annemie Tonken","startTime":597.18,"endTime":602.76,"body":"write in for if you are someone"},{"speaker":"Annemie Tonken","startTime":602.76,"endTime":607.68,"body":"who can afford to work for fun,"},{"speaker":"Annemie Tonken","startTime":602.76,"endTime":607.68,"body":"you typically do that for a"},{"speaker":"Annemie Tonken","startTime":607.68,"endTime":609.87,"body":"short period of time. And then"},{"speaker":"Annemie Tonken","startTime":607.68,"endTime":609.87,"body":"you're like, oh, that's actually"},{"speaker":"Annemie Tonken","startTime":609.87,"endTime":610.89,"body":"real work."},{"speaker":"Nikki Closser","startTime":612.57,"endTime":613.56,"body":"Right? For"},{"speaker":"Annemie Tonken","startTime":613.56,"endTime":617.58,"body":"fun. And so as"},{"speaker":"Annemie Tonken","startTime":613.56,"endTime":617.58,"body":"much as I think a lot of artists"},{"speaker":"Annemie Tonken","startTime":617.58,"endTime":621.54,"body":"and photographers have a hard"},{"speaker":"Annemie Tonken","startTime":617.58,"endTime":621.54,"body":"time saying, I want to make more"},{"speaker":"Annemie Tonken","startTime":621.54,"endTime":624.54,"body":"money, or it's not that I need"},{"speaker":"Annemie Tonken","startTime":621.54,"endTime":624.54,"body":"more money, I just would like"},{"speaker":"Annemie Tonken","startTime":624.54,"endTime":628.59,"body":"more because it affords me"},{"speaker":"Annemie Tonken","startTime":624.54,"endTime":628.59,"body":"certain things. I think that has"},{"speaker":"Annemie Tonken","startTime":628.62,"endTime":632.4,"body":"a really bad stigma attached to"},{"speaker":"Annemie Tonken","startTime":628.62,"endTime":632.4,"body":"it or reputation in our"},{"speaker":"Annemie Tonken","startTime":632.4,"endTime":635.55,"body":"industry. And as much as I don't"},{"speaker":"Annemie Tonken","startTime":632.4,"endTime":635.55,"body":"want to swing us all the way to"},{"speaker":"Annemie Tonken","startTime":635.55,"endTime":638.94,"body":"the other side where we're all"},{"speaker":"Annemie Tonken","startTime":635.55,"endTime":638.94,"body":"like posing on Lamborghinis. And"},{"speaker":"Annemie Tonken","startTime":638.94,"endTime":639.24,"body":"like,"},{"speaker":"Nikki Closser","startTime":641.13,"endTime":643.2,"body":"I drive a"},{"speaker":"Nikki Closser","startTime":641.13,"endTime":643.2,"body":"minivan, let's just make that"},{"speaker":"Nikki Closser","startTime":643.2,"endTime":644.91,"body":"clear. I do drive a minivan. So"},{"speaker":"Annemie Tonken","startTime":646.2,"endTime":648.48,"body":"but at the same"},{"speaker":"Annemie Tonken","startTime":646.2,"endTime":648.48,"body":"time, I feel like we could"},{"speaker":"Annemie Tonken","startTime":648.48,"endTime":652.32,"body":"probably own that a little bit"},{"speaker":"Annemie Tonken","startTime":648.48,"endTime":652.32,"body":"more and acknowledge that it is"},{"speaker":"Annemie Tonken","startTime":652.35,"endTime":656.64,"body":"okay to want to increase your"},{"speaker":"Annemie Tonken","startTime":652.35,"endTime":656.64,"body":"income and protect yourself."},{"speaker":"Annemie Tonken","startTime":656.64,"endTime":661.41,"body":"Yes. When it comes to, you know,"},{"speaker":"Annemie Tonken","startTime":656.64,"endTime":661.41,"body":"if you're living hand to mouth,"},{"speaker":"Annemie Tonken","startTime":661.44,"endTime":663.9,"body":"that's a pretty dicey spot to be"},{"speaker":"Annemie Tonken","startTime":661.44,"endTime":663.9,"body":"in."},{"speaker":"Nikki Closser","startTime":664.62,"endTime":666.24,"body":"I've been there,"},{"speaker":"Nikki Closser","startTime":664.62,"endTime":666.24,"body":"I mean, paycheck to paycheck,"},{"speaker":"Nikki Closser","startTime":666.24,"endTime":669.78,"body":"when I was a social worker, I"},{"speaker":"Nikki Closser","startTime":666.24,"endTime":669.78,"body":"was making 3300. Okay, and this"},{"speaker":"Nikki Closser","startTime":669.78,"endTime":673.5,"body":"is when because I was born and"},{"speaker":"Nikki Closser","startTime":669.78,"endTime":673.5,"body":"raised in Michigan, and I had a"},{"speaker":"Nikki Closser","startTime":673.5,"endTime":677.16,"body":"job at one of the highest paying"},{"speaker":"Nikki Closser","startTime":673.5,"endTime":677.16,"body":"school districts in Michigan,"},{"speaker":"Nikki Closser","startTime":677.16,"endTime":680.97,"body":"and I was still only making"},{"speaker":"Nikki Closser","startTime":677.16,"endTime":680.97,"body":"like, $50,000 a year. And then I"},{"speaker":"Nikki Closser","startTime":680.97,"endTime":683.49,"body":"moved to Seattle, and I could"},{"speaker":"Nikki Closser","startTime":680.97,"endTime":683.49,"body":"not get a job. So I was working"},{"speaker":"Nikki Closser","startTime":683.49,"endTime":686.1,"body":"for like 15 bucks an hour and a"},{"speaker":"Nikki Closser","startTime":683.49,"endTime":686.1,"body":"master's degree, it was just one"},{"speaker":"Nikki Closser","startTime":686.1,"endTime":690.48,"body":"of those things where, you know,"},{"speaker":"Nikki Closser","startTime":686.1,"endTime":690.48,"body":"I was 100% living paycheck to"},{"speaker":"Nikki Closser","startTime":690.48,"endTime":693.87,"body":"paycheck. And then when I did"},{"speaker":"Nikki Closser","startTime":690.48,"endTime":693.87,"body":"get another job as a school"},{"speaker":"Nikki Closser","startTime":693.87,"endTime":697.05,"body":"social workout social worker out"},{"speaker":"Nikki Closser","startTime":693.87,"endTime":697.05,"body":"there, I took like a $10,000 pay"},{"speaker":"Nikki Closser","startTime":697.05,"endTime":700.5,"body":"cut, I was making like, $42,000"},{"speaker":"Nikki Closser","startTime":697.05,"endTime":700.5,"body":"a year was like, $3,000 a month."},{"speaker":"Nikki Closser","startTime":700.8,"endTime":702.93,"body":"And then when I was doing"},{"speaker":"Nikki Closser","startTime":700.8,"endTime":702.93,"body":"photography, all I had to do was"},{"speaker":"Nikki Closser","startTime":703.05,"endTime":709.5,"body":"two shoots to make $3,000. And I"},{"speaker":"Nikki Closser","startTime":703.05,"endTime":709.5,"body":"was like, whoa, okay. And I have"},{"speaker":"Nikki Closser","startTime":709.5,"endTime":713.4,"body":"the freedom of my time to like,"},{"speaker":"Nikki Closser","startTime":709.5,"endTime":713.4,"body":"design my schedule, however I"},{"speaker":"Nikki Closser","startTime":713.4,"endTime":718.47,"body":"wanted. Whereas before, I mean,"},{"speaker":"Nikki Closser","startTime":713.4,"endTime":718.47,"body":"I had to eat lunch from 1112 to"},{"speaker":"Nikki Closser","startTime":718.53,"endTime":724.65,"body":"1142. Like that, you know? Yeah,"},{"speaker":"Nikki Closser","startTime":718.53,"endTime":724.65,"body":"I'm just not a good, I'm not a"},{"speaker":"Nikki Closser","startTime":724.65,"endTime":728.97,"body":"good employee anymore. Like, I'm"},{"speaker":"Nikki Closser","startTime":724.65,"endTime":728.97,"body":"so used to the freedom of time"},{"speaker":"Nikki Closser","startTime":728.97,"endTime":734.19,"body":"and just designing my life, how"},{"speaker":"Nikki Closser","startTime":728.97,"endTime":734.19,"body":"I want it to be. If anything,"},{"speaker":"Nikki Closser","startTime":734.19,"endTime":737.13,"body":"being an entrepreneur, that is"},{"speaker":"Nikki Closser","startTime":734.19,"endTime":737.13,"body":"my favorite part,"},{"speaker":"Annemie Tonken","startTime":737.19,"endTime":739.08,"body":"I joke all the"},{"speaker":"Annemie Tonken","startTime":737.19,"endTime":739.08,"body":"time that I would be a terrible"},{"speaker":"Annemie Tonken","startTime":739.08,"endTime":743.25,"body":"employee, I would be if someone"},{"speaker":"Annemie Tonken","startTime":739.08,"endTime":743.25,"body":"gave me like, all the room to do"},{"speaker":"Annemie Tonken","startTime":743.25,"endTime":746.64,"body":"it my way. But as soon as they"},{"speaker":"Annemie Tonken","startTime":743.25,"endTime":746.64,"body":"started trying to like, tell me"},{"speaker":"Annemie Tonken","startTime":746.64,"endTime":748.53,"body":"how and when to do everything."},{"speaker":"Nikki Closser","startTime":749.31,"endTime":752.01,"body":"Yeah. But yeah,"},{"speaker":"Nikki Closser","startTime":749.31,"endTime":752.01,"body":"personal branding. So to go back"},{"speaker":"Nikki Closser","startTime":752.01,"endTime":754.86,"body":"to what you originally asked me"},{"speaker":"Nikki Closser","startTime":752.01,"endTime":754.86,"body":"personal branding for me was,"},{"speaker":"Nikki Closser","startTime":754.98,"endTime":759.36,"body":"was really great. And I found"},{"speaker":"Nikki Closser","startTime":754.98,"endTime":759.36,"body":"that once once people kind of"},{"speaker":"Nikki Closser","startTime":759.36,"endTime":761.76,"body":"saw the results they were"},{"speaker":"Nikki Closser","startTime":759.36,"endTime":761.76,"body":"getting from the photos or their"},{"speaker":"Nikki Closser","startTime":761.76,"endTime":765.78,"body":"friends, the results their"},{"speaker":"Nikki Closser","startTime":761.76,"endTime":765.78,"body":"friends were getting, because I"},{"speaker":"Nikki Closser","startTime":765.78,"endTime":769.38,"body":"joined networking groups,"},{"speaker":"Nikki Closser","startTime":765.78,"endTime":769.38,"body":"networking groups, for me, was"},{"speaker":"Nikki Closser","startTime":769.38,"endTime":772.38,"body":"like it catapulted my business."},{"speaker":"Nikki Closser","startTime":769.38,"endTime":772.38,"body":"That's when the client started"},{"speaker":"Nikki Closser","startTime":772.38,"endTime":775.83,"body":"really, like snowballed when I"},{"speaker":"Nikki Closser","startTime":772.38,"endTime":775.83,"body":"went in to these networking"},{"speaker":"Nikki Closser","startTime":775.83,"endTime":779.34,"body":"groups, but I didn't go in like,"},{"speaker":"Nikki Closser","startTime":775.83,"endTime":779.34,"body":"I'm gonna book 10 People today,"},{"speaker":"Nikki Closser","startTime":779.37,"endTime":782.25,"body":"I went in, like, I'm going to"},{"speaker":"Nikki Closser","startTime":779.37,"endTime":782.25,"body":"start building relationships"},{"speaker":"Nikki Closser","startTime":782.25,"endTime":786.18,"body":"with people. Because I was way,"},{"speaker":"Nikki Closser","startTime":782.25,"endTime":786.18,"body":"way more expensive than the"},{"speaker":"Nikki Closser","startTime":786.18,"endTime":788.31,"body":"other, like headshot"},{"speaker":"Nikki Closser","startTime":786.18,"endTime":788.31,"body":"photographers that were in the"},{"speaker":"Nikki Closser","startTime":788.31,"endTime":791.52,"body":"group. So I knew I had some work"},{"speaker":"Nikki Closser","startTime":788.31,"endTime":791.52,"body":"to do. I knew I needed to build"},{"speaker":"Nikki Closser","startTime":791.52,"endTime":795.6,"body":"relationships, I needed to show"},{"speaker":"Nikki Closser","startTime":791.52,"endTime":795.6,"body":"the value of what I did. So it"},{"speaker":"Nikki Closser","startTime":795.6,"endTime":798.9,"body":"took some time, it wasn't just"},{"speaker":"Nikki Closser","startTime":795.6,"endTime":798.9,"body":"an overnight situation, but I"},{"speaker":"Nikki Closser","startTime":798.9,"endTime":802.59,"body":"like hit these networking groups"},{"speaker":"Nikki Closser","startTime":798.9,"endTime":802.59,"body":"hard. And some of them I, some"},{"speaker":"Nikki Closser","startTime":802.59,"endTime":805.65,"body":"groups, I didn't feel like were"},{"speaker":"Nikki Closser","startTime":802.59,"endTime":805.65,"body":"for me, especially the ones that"},{"speaker":"Nikki Closser","startTime":805.65,"endTime":809.37,"body":"were like, You have to come, you"},{"speaker":"Nikki Closser","startTime":805.65,"endTime":809.37,"body":"know, four times a month, and"},{"speaker":"Nikki Closser","startTime":809.37,"endTime":811.77,"body":"you have to meet with X amount"},{"speaker":"Nikki Closser","startTime":809.37,"endTime":811.77,"body":"of people. I'm like, don't tell"},{"speaker":"Nikki Closser","startTime":811.77,"endTime":813.9,"body":"me what to do. I don't like to"},{"speaker":"Nikki Closser","startTime":811.77,"endTime":813.9,"body":"be told what to do. Like, no,"},{"speaker":"Nikki Closser","startTime":813.93,"endTime":817.17,"body":"this isn't gonna work. But once"},{"speaker":"Nikki Closser","startTime":813.93,"endTime":817.17,"body":"I found the groups that I felt"},{"speaker":"Nikki Closser","startTime":817.17,"endTime":823.23,"body":"comfortable in, that really was"},{"speaker":"Nikki Closser","startTime":817.17,"endTime":823.23,"body":"a game changer, for sure."},{"speaker":"Annemie Tonken","startTime":823.44,"endTime":826.8,"body":"Can I pause for"},{"speaker":"Annemie Tonken","startTime":823.44,"endTime":826.8,"body":"just a second? Because I feel"},{"speaker":"Annemie Tonken","startTime":826.8,"endTime":829.29,"body":"like networking groups are one"},{"speaker":"Annemie Tonken","startTime":826.8,"endTime":829.29,"body":"of those things that a lot of"},{"speaker":"Annemie Tonken","startTime":829.29,"endTime":832.62,"body":"photographers may not be even"},{"speaker":"Annemie Tonken","startTime":829.29,"endTime":832.62,"body":"familiar with as a concept."},{"speaker":"Annemie Tonken","startTime":832.62,"endTime":835.56,"body":"Where did you find those? who,"},{"speaker":"Annemie Tonken","startTime":832.62,"endTime":835.56,"body":"you know, how are you getting"},{"speaker":"Annemie Tonken","startTime":835.56,"endTime":838.11,"body":"involved? Is that sort of a pay"},{"speaker":"Annemie Tonken","startTime":835.56,"endTime":838.11,"body":"to play thing? Is it an"},{"speaker":"Annemie Tonken","startTime":838.11,"endTime":840.27,"body":"invitation thing? How did that"},{"speaker":"Annemie Tonken","startTime":838.11,"endTime":840.27,"body":"work for you?"},{"speaker":"Nikki Closser","startTime":841.17,"endTime":844.95,"body":"It's usually a"},{"speaker":"Nikki Closser","startTime":841.17,"endTime":844.95,"body":"minimal fee. I want to say,"},{"speaker":"Nikki Closser","startTime":844.98,"endTime":847.29,"body":"let's see, there was one here in"},{"speaker":"Nikki Closser","startTime":844.98,"endTime":847.29,"body":"Michigan that I joined when I"},{"speaker":"Nikki Closser","startTime":847.29,"endTime":851.67,"body":"moved back here and it was like"},{"speaker":"Nikki Closser","startTime":847.29,"endTime":851.67,"body":"$150 a year. But then each event"},{"speaker":"Nikki Closser","startTime":851.67,"endTime":856.26,"body":"you went to it was like 10 or 20"},{"speaker":"Nikki Closser","startTime":851.67,"endTime":856.26,"body":"bucks. So it wasn't a huge"},{"speaker":"Nikki Closser","startTime":856.26,"endTime":860.52,"body":"amount. Well, okay, for me"},{"speaker":"Nikki Closser","startTime":856.26,"endTime":860.52,"body":"anyways, at the time, it wasn't"},{"speaker":"Nikki Closser","startTime":860.52,"endTime":864.57,"body":"a huge amount, like I knew the"},{"speaker":"Nikki Closser","startTime":860.52,"endTime":864.57,"body":"investment would pay off. Some"},{"speaker":"Nikki Closser","startTime":864.57,"endTime":867.84,"body":"are a little bit more expensive."},{"speaker":"Nikki Closser","startTime":864.57,"endTime":867.84,"body":"It just depends. But overall,"},{"speaker":"Nikki Closser","startTime":867.84,"endTime":870.72,"body":"it's not like it was 1000s and"},{"speaker":"Nikki Closser","startTime":867.84,"endTime":870.72,"body":"1000s of dollars for me, it was,"},{"speaker":"Nikki Closser","startTime":870.96,"endTime":876.33,"body":"you know, pretty low bar for"},{"speaker":"Nikki Closser","startTime":870.96,"endTime":876.33,"body":"getting into some really great"},{"speaker":"Nikki Closser","startTime":876.36,"endTime":880.86,"body":"marketing opportunities. So"},{"speaker":"Nikki Closser","startTime":876.36,"endTime":880.86,"body":"yeah. So if I mean if you're if"},{"speaker":"Nikki Closser","startTime":880.86,"endTime":882.75,"body":"you're wondering what a"},{"speaker":"Nikki Closser","startTime":880.86,"endTime":882.75,"body":"networking group is, and whether"},{"speaker":"Nikki Closser","startTime":882.75,"endTime":885.69,"body":"or not you should join it if you"},{"speaker":"Nikki Closser","startTime":882.75,"endTime":885.69,"body":"google your area, or the largest"},{"speaker":"Nikki Closser","startTime":885.69,"endTime":888.66,"body":"city in your area with"},{"speaker":"Nikki Closser","startTime":885.69,"endTime":888.66,"body":"networking groups, or if you"},{"speaker":"Nikki Closser","startTime":888.69,"endTime":892.23,"body":"want to join like a women's"},{"speaker":"Nikki Closser","startTime":888.69,"endTime":892.23,"body":"group or in women to be honest,"},{"speaker":"Nikki Closser","startTime":892.23,"endTime":894.75,"body":"so some of these women's groups"},{"speaker":"Nikki Closser","startTime":892.23,"endTime":894.75,"body":"were weren't just for women"},{"speaker":"Nikki Closser","startTime":894.75,"endTime":897.3,"body":"there were even though it was"},{"speaker":"Nikki Closser","startTime":894.75,"endTime":897.3,"body":"like marketed as a women's"},{"speaker":"Nikki Closser","startTime":897.3,"endTime":900.99,"body":"group. We often had men in the"},{"speaker":"Nikki Closser","startTime":897.3,"endTime":900.99,"body":"group and we always remembered"},{"speaker":"Nikki Closser","startTime":900.99,"endTime":902.82,"body":"the men because there were only"},{"speaker":"Nikki Closser","startTime":900.99,"endTime":902.82,"body":"a few of them. We always"},{"speaker":"Nikki Closser","startTime":902.82,"endTime":906.87,"body":"remembered what they did, you"},{"speaker":"Nikki Closser","startTime":902.82,"endTime":906.87,"body":"know? So, but anyways, and"},{"speaker":"Nikki Closser","startTime":906.87,"endTime":909.93,"body":"again, you know, try out a"},{"speaker":"Nikki Closser","startTime":906.87,"endTime":909.93,"body":"couple groups and see see what"},{"speaker":"Nikki Closser","startTime":909.93,"endTime":912.45,"body":"makes sense for you. And some of"},{"speaker":"Nikki Closser","startTime":909.93,"endTime":912.45,"body":"some of them meet online, which"},{"speaker":"Nikki Closser","startTime":912.45,"endTime":917.61,"body":"I don't love as much because"},{"speaker":"Nikki Closser","startTime":912.45,"endTime":917.61,"body":"it's just so much harder to make"},{"speaker":"Nikki Closser","startTime":917.61,"endTime":921.36,"body":"that personal connection with"},{"speaker":"Nikki Closser","startTime":917.61,"endTime":921.36,"body":"someone. Like if I saw someone"},{"speaker":"Nikki Closser","startTime":921.36,"endTime":924.15,"body":"standing there like a wallflower"},{"speaker":"Nikki Closser","startTime":921.36,"endTime":924.15,"body":"looking really uncomfortable. I"},{"speaker":"Nikki Closser","startTime":924.15,"endTime":926.49,"body":"was like, right up to them,"},{"speaker":"Nikki Closser","startTime":924.15,"endTime":926.49,"body":"like, hey, what do you do? You"},{"speaker":"Nikki Closser","startTime":926.49,"endTime":928.62,"body":"know, this is so and so. And"},{"speaker":"Nikki Closser","startTime":926.49,"endTime":928.62,"body":"this is so and so because I"},{"speaker":"Nikki Closser","startTime":928.62,"endTime":931.05,"body":"remembered what it was like to"},{"speaker":"Nikki Closser","startTime":928.62,"endTime":931.05,"body":"stand there. Like, I don't know"},{"speaker":"Nikki Closser","startTime":931.05,"endTime":933.42,"body":"anybody. I don't know what to do"},{"speaker":"Nikki Closser","startTime":931.05,"endTime":933.42,"body":"right now. And I remember the"},{"speaker":"Nikki Closser","startTime":933.42,"endTime":936.93,"body":"person who came up to me to make"},{"speaker":"Nikki Closser","startTime":933.42,"endTime":936.93,"body":"me feel comfortable. And that"},{"speaker":"Nikki Closser","startTime":936.93,"endTime":940.26,"body":"person who was the wallflower"},{"speaker":"Nikki Closser","startTime":936.93,"endTime":940.26,"body":"now remembers that I did that"},{"speaker":"Nikki Closser","startTime":940.26,"endTime":944.49,"body":"for them. So, you know, it's"},{"speaker":"Nikki Closser","startTime":940.26,"endTime":944.49,"body":"just really, it's just building"},{"speaker":"Nikki Closser","startTime":944.49,"endTime":946.92,"body":"relationships from the start."},{"speaker":"Nikki Closser","startTime":944.49,"endTime":946.92,"body":"And these groups and when they"},{"speaker":"Nikki Closser","startTime":946.92,"endTime":951.09,"body":"need what you offer, they think"},{"speaker":"Nikki Closser","startTime":946.92,"endTime":951.09,"body":"of you and they might pay more,"},{"speaker":"Nikki Closser","startTime":951.3,"endTime":953.43,"body":"because of that relationship"},{"speaker":"Nikki Closser","startTime":951.3,"endTime":953.43,"body":"they have with you."},{"speaker":"Annemie Tonken","startTime":953.88,"endTime":957.09,"body":"So you were"},{"speaker":"Annemie Tonken","startTime":953.88,"endTime":957.09,"body":"getting into these networking"},{"speaker":"Annemie Tonken","startTime":957.09,"endTime":960.45,"body":"groups, you were building your"},{"speaker":"Annemie Tonken","startTime":957.09,"endTime":960.45,"body":"personal branding empire, as it"},{"speaker":"Annemie Tonken","startTime":960.45,"endTime":963.42,"body":"turned into eventually. How did"},{"speaker":"Annemie Tonken","startTime":960.45,"endTime":963.42,"body":"you take it from there?"},{"speaker":"Nikki Closser","startTime":964.35,"endTime":967.5,"body":"Yeah, I did that"},{"speaker":"Nikki Closser","startTime":964.35,"endTime":967.5,"body":"for almost 10 years, I was"},{"speaker":"Nikki Closser","startTime":967.5,"endTime":971.25,"body":"shooting like 10 to 12"},{"speaker":"Nikki Closser","startTime":967.5,"endTime":971.25,"body":"photoshoots a month. Okay. Now,"},{"speaker":"Nikki Closser","startTime":971.25,"endTime":973.59,"body":"I was also doing weddings in"},{"speaker":"Nikki Closser","startTime":971.25,"endTime":973.59,"body":"there for a couple years. The"},{"speaker":"Nikki Closser","startTime":973.59,"endTime":977.04,"body":"last wedding that I shot,"},{"speaker":"Nikki Closser","startTime":973.59,"endTime":977.04,"body":"though, was in 2016. I had my"},{"speaker":"Nikki Closser","startTime":977.04,"endTime":982.08,"body":"first son in 2016. And I knew I"},{"speaker":"Nikki Closser","startTime":977.04,"endTime":982.08,"body":"didn't want to do weddings"},{"speaker":"Nikki Closser","startTime":982.08,"endTime":985.02,"body":"anymore. You know, it was kind"},{"speaker":"Nikki Closser","startTime":982.08,"endTime":985.02,"body":"of like I had a scarcity"},{"speaker":"Nikki Closser","startTime":985.02,"endTime":987.93,"body":"mindset, like, you know, when"},{"speaker":"Nikki Closser","startTime":985.02,"endTime":987.93,"body":"you book weddings, you can see"},{"speaker":"Nikki Closser","startTime":987.93,"endTime":991.08,"body":"that your calendar is booked out"},{"speaker":"Nikki Closser","startTime":987.93,"endTime":991.08,"body":"for next year, and you take half"},{"speaker":"Nikki Closser","startTime":991.08,"endTime":993.75,"body":"the deposit when you book it,"},{"speaker":"Nikki Closser","startTime":991.08,"endTime":993.75,"body":"and then you know, you're gonna"},{"speaker":"Nikki Closser","startTime":993.75,"endTime":995.91,"body":"get the other half when you"},{"speaker":"Nikki Closser","startTime":993.75,"endTime":995.91,"body":"shoot the wedding. So it was"},{"speaker":"Nikki Closser","startTime":995.91,"endTime":998.64,"body":"just kind of mindset that I knew"},{"speaker":"Nikki Closser","startTime":995.91,"endTime":998.64,"body":"the money was coming, where with"},{"speaker":"Nikki Closser","startTime":998.82,"endTime":1002.24,"body":"portraits and personal branding,"},{"speaker":"Nikki Closser","startTime":998.82,"endTime":1002.24,"body":"you don't usually book a year"},{"speaker":"Nikki Closser","startTime":1002.24,"endTime":1005.27,"body":"out, you know, I'm usually"},{"speaker":"Nikki Closser","startTime":1002.24,"endTime":1005.27,"body":"booked out like two months, you"},{"speaker":"Nikki Closser","startTime":1005.27,"endTime":1008.0,"body":"know, and so I would look at the"},{"speaker":"Nikki Closser","startTime":1005.27,"endTime":1008.0,"body":"calendar and be like, Well, that"},{"speaker":"Nikki Closser","startTime":1008.0,"endTime":1011.21,"body":"looks empty, like that scary or"},{"speaker":"Nikki Closser","startTime":1008.0,"endTime":1011.21,"body":"whatever. But as soon as I had"},{"speaker":"Nikki Closser","startTime":1011.21,"endTime":1016.1,"body":"my son, it was such a game"},{"speaker":"Nikki Closser","startTime":1011.21,"endTime":1016.1,"body":"changer. For me. I remember the"},{"speaker":"Nikki Closser","startTime":1016.1,"endTime":1018.98,"body":"first wedding and he was in the"},{"speaker":"Nikki Closser","startTime":1016.1,"endTime":1018.98,"body":"NICU for the first three weeks"},{"speaker":"Nikki Closser","startTime":1018.98,"endTime":1022.13,"body":"of his life. And then the first"},{"speaker":"Nikki Closser","startTime":1018.98,"endTime":1022.13,"body":"wedding that I went back to he"},{"speaker":"Nikki Closser","startTime":1022.13,"endTime":1024.5,"body":"was like eight weeks old, or 10"},{"speaker":"Nikki Closser","startTime":1022.13,"endTime":1024.5,"body":"weeks old or something like"},{"speaker":"Nikki Closser","startTime":1024.5,"endTime":1028.79,"body":"that. I hated it. I was in the"},{"speaker":"Nikki Closser","startTime":1024.5,"endTime":1028.79,"body":"bathroom pumping every three"},{"speaker":"Nikki Closser","startTime":1028.79,"endTime":1032.48,"body":"hours. It was of course the one"},{"speaker":"Nikki Closser","startTime":1028.79,"endTime":1032.48,"body":"wedding that was so overtime,"},{"speaker":"Nikki Closser","startTime":1032.48,"endTime":1035.06,"body":"and I ended up being away from"},{"speaker":"Nikki Closser","startTime":1032.48,"endTime":1035.06,"body":"my newborn for like 12 hours."},{"speaker":"Nikki Closser","startTime":1035.06,"endTime":1037.94,"body":"And I was having I had my first"},{"speaker":"Nikki Closser","startTime":1035.06,"endTime":1037.94,"body":"panic attack, like it was awful."},{"speaker":"Nikki Closser","startTime":1037.94,"endTime":1041.54,"body":"And I was like, I am so done. So"},{"speaker":"Nikki Closser","startTime":1037.94,"endTime":1041.54,"body":"that flipped my scarcity"},{"speaker":"Nikki Closser","startTime":1041.54,"endTime":1044.27,"body":"mentality to like, it's, it's"},{"speaker":"Nikki Closser","startTime":1041.54,"endTime":1044.27,"body":"going to be okay, I'm going to"},{"speaker":"Nikki Closser","startTime":1044.27,"endTime":1046.76,"body":"book this calendar up, and I"},{"speaker":"Nikki Closser","startTime":1044.27,"endTime":1046.76,"body":"did. So from then on, it was"},{"speaker":"Nikki Closser","startTime":1046.76,"endTime":1051.2,"body":"like 10 to 12 shoots a month,"},{"speaker":"Nikki Closser","startTime":1046.76,"endTime":1051.2,"body":"with an average sale of back"},{"speaker":"Nikki Closser","startTime":1051.2,"endTime":1054.29,"body":"then it was probably about 1500."},{"speaker":"Nikki Closser","startTime":1051.2,"endTime":1054.29,"body":"And then ultimately it was 2000"},{"speaker":"Nikki Closser","startTime":1054.32,"endTime":1058.16,"body":"a month per sale. And that's"},{"speaker":"Nikki Closser","startTime":1054.32,"endTime":1058.16,"body":"kind of that was how I did it"},{"speaker":"Nikki Closser","startTime":1058.16,"endTime":1059.09,"body":"for a long time."},{"speaker":"Annemie Tonken","startTime":1059.15,"endTime":1063.98,"body":"Yeah. And I"},{"speaker":"Annemie Tonken","startTime":1059.15,"endTime":1063.98,"body":"mean, people. So I also started"},{"speaker":"Annemie Tonken","startTime":1063.98,"endTime":1066.77,"body":"out doing weddings and"},{"speaker":"Annemie Tonken","startTime":1063.98,"endTime":1066.77,"body":"portraits, I never got into"},{"speaker":"Annemie Tonken","startTime":1066.77,"endTime":1071.24,"body":"branding work. But at some"},{"speaker":"Annemie Tonken","startTime":1066.77,"endTime":1071.24,"body":"point, I got busy enough in both"},{"speaker":"Annemie Tonken","startTime":1071.27,"endTime":1074.78,"body":"that I needed to kind of choose"},{"speaker":"Annemie Tonken","startTime":1071.27,"endTime":1074.78,"body":"one or the other. And for me, it"},{"speaker":"Annemie Tonken","startTime":1074.78,"endTime":1079.52,"body":"was a no brainer to go with"},{"speaker":"Annemie Tonken","startTime":1074.78,"endTime":1079.52,"body":"family work. Because whereas to"},{"speaker":"Annemie Tonken","startTime":1079.52,"endTime":1083.3,"body":"your point, like with weddings,"},{"speaker":"Annemie Tonken","startTime":1079.52,"endTime":1083.3,"body":"you have the I don't know"},{"speaker":"Annemie Tonken","startTime":1083.3,"endTime":1086.6,"body":"security blanket of future"},{"speaker":"Annemie Tonken","startTime":1083.3,"endTime":1086.6,"body":"bookings. And you have those"},{"speaker":"Annemie Tonken","startTime":1086.6,"endTime":1089.96,"body":"deposits that are coming in, and"},{"speaker":"Annemie Tonken","startTime":1086.6,"endTime":1089.96,"body":"it does feel like a lot of money"},{"speaker":"Annemie Tonken","startTime":1090.23,"endTime":1094.49,"body":"for one job. At the same time."},{"speaker":"Annemie Tonken","startTime":1090.23,"endTime":1094.49,"body":"You know, most weddings are,"},{"speaker":"Annemie Tonken","startTime":1094.52,"endTime":1100.19,"body":"it's up Saturday of your life."},{"speaker":"Annemie Tonken","startTime":1094.52,"endTime":1100.19,"body":"And our for hour, I was looking"},{"speaker":"Annemie Tonken","startTime":1100.19,"endTime":1104.45,"body":"at the income and it just made"},{"speaker":"Annemie Tonken","startTime":1100.19,"endTime":1104.45,"body":"so much more sense and money to"},{"speaker":"Annemie Tonken","startTime":1104.45,"endTime":1110.42,"body":"stick with portraits. So totally"},{"speaker":"Annemie Tonken","startTime":1104.45,"endTime":1110.42,"body":"similar, totally a path. But now"},{"speaker":"Annemie Tonken","startTime":1110.45,"endTime":1114.44,"body":"as you kind of teased at the"},{"speaker":"Annemie Tonken","startTime":1110.45,"endTime":1114.44,"body":"beginning, you do a lot more"},{"speaker":"Annemie Tonken","startTime":1114.44,"endTime":1117.95,"body":"than just photography. So talk"},{"speaker":"Annemie Tonken","startTime":1114.44,"endTime":1117.95,"body":"to me a little bit about how and"},{"speaker":"Annemie Tonken","startTime":1117.95,"endTime":1122.0,"body":"when it grew from just"},{"speaker":"Annemie Tonken","startTime":1117.95,"endTime":1122.0,"body":"diversifying your port your"},{"speaker":"Annemie Tonken","startTime":1122.03,"endTime":1125.12,"body":"income portfolio within"},{"speaker":"Annemie Tonken","startTime":1122.03,"endTime":1125.12,"body":"photography to then moving to"},{"speaker":"Annemie Tonken","startTime":1125.12,"endTime":1125.9,"body":"the next level."},{"speaker":"Nikki Closser","startTime":1126.17,"endTime":1129.29,"body":"Yeah, like I"},{"speaker":"Nikki Closser","startTime":1126.17,"endTime":1129.29,"body":"said, 10 year itch. So I did"},{"speaker":"Nikki Closser","startTime":1129.29,"endTime":1133.16,"body":"this for about 10 years. And I"},{"speaker":"Nikki Closser","startTime":1129.29,"endTime":1133.16,"body":"got to the point where I'm 45"},{"speaker":"Nikki Closser","startTime":1133.16,"endTime":1136.73,"body":"now, so I didn't you know, from"},{"speaker":"Nikki Closser","startTime":1133.16,"endTime":1136.73,"body":"I started my business when I was"},{"speaker":"Nikki Closser","startTime":1136.73,"endTime":1142.64,"body":"like 3434 I think and so I just"},{"speaker":"Nikki Closser","startTime":1136.73,"endTime":1142.64,"body":"I don't I don't know what it is"},{"speaker":"Nikki Closser","startTime":1142.64,"endTime":1146.24,"body":"I just get, I just start to get"},{"speaker":"Nikki Closser","startTime":1142.64,"endTime":1146.24,"body":"bored and a little burned out."},{"speaker":"Nikki Closser","startTime":1146.24,"endTime":1149.21,"body":"And when you do the same things"},{"speaker":"Nikki Closser","startTime":1146.24,"endTime":1149.21,"body":"over and over it and I was doing"},{"speaker":"Nikki Closser","startTime":1149.21,"endTime":1152.36,"body":"creative shoots as well to just"},{"speaker":"Nikki Closser","startTime":1149.21,"endTime":1152.36,"body":"kind of feed that part of my"},{"speaker":"Nikki Closser","startTime":1152.36,"endTime":1157.19,"body":"brain and what I needed or"},{"speaker":"Nikki Closser","startTime":1152.36,"endTime":1157.19,"body":"whatever. But once I Okay, and I"},{"speaker":"Nikki Closser","startTime":1157.19,"endTime":1159.32,"body":"do have to say I still do"},{"speaker":"Nikki Closser","startTime":1157.19,"endTime":1159.32,"body":"personal branding shoots and I"},{"speaker":"Nikki Closser","startTime":1159.32,"endTime":1162.05,"body":"really love them but I do like"},{"speaker":"Nikki Closser","startTime":1159.32,"endTime":1162.05,"body":"to a month, three months, you"},{"speaker":"Nikki Closser","startTime":1162.05,"endTime":1166.64,"body":"know, it's not my full time gig"},{"speaker":"Nikki Closser","startTime":1162.05,"endTime":1166.64,"body":"anymore. And I don't know if"},{"speaker":"Nikki Closser","startTime":1166.64,"endTime":1169.82,"body":"it's just a social worker in me"},{"speaker":"Nikki Closser","startTime":1166.64,"endTime":1169.82,"body":"like the the teacher in me, but"},{"speaker":"Nikki Closser","startTime":1169.82,"endTime":1174.02,"body":"I was so excited thinking like,"},{"speaker":"Nikki Closser","startTime":1169.82,"endTime":1174.02,"body":"Okay, I've changed my life from"},{"speaker":"Nikki Closser","startTime":1174.26,"endTime":1177.26,"body":"from this business. Like, I"},{"speaker":"Nikki Closser","startTime":1174.26,"endTime":1177.26,"body":"would love to be able to teach"},{"speaker":"Nikki Closser","startTime":1177.29,"endTime":1180.8,"body":"others to do it as well. And if"},{"speaker":"Nikki Closser","startTime":1177.29,"endTime":1180.8,"body":"if you're a close friend of"},{"speaker":"Nikki Closser","startTime":1180.8,"endTime":1183.47,"body":"mine, you know that I'm always"},{"speaker":"Nikki Closser","startTime":1180.8,"endTime":1183.47,"body":"like, okay, like, let's"},{"speaker":"Nikki Closser","startTime":1183.47,"endTime":1185.66,"body":"brainstorm what you could do."},{"speaker":"Nikki Closser","startTime":1183.47,"endTime":1185.66,"body":"Okay, I know you hate teaching"},{"speaker":"Nikki Closser","startTime":1185.66,"endTime":1187.94,"body":"right now. So let's see how we"},{"speaker":"Nikki Closser","startTime":1185.66,"endTime":1187.94,"body":"could take those skills so that"},{"speaker":"Nikki Closser","startTime":1187.94,"endTime":1192.11,"body":"you can have a life that you you"},{"speaker":"Nikki Closser","startTime":1187.94,"endTime":1192.11,"body":"know, can design or whatever it"},{"speaker":"Nikki Closser","startTime":1192.11,"endTime":1194.48,"body":"my friends know they're always"},{"speaker":"Nikki Closser","startTime":1192.11,"endTime":1194.48,"body":"like, okay, Nike, like whatever"},{"speaker":"Nikki Closser","startTime":1194.48,"endTime":1199.31,"body":"like I just am that person who"},{"speaker":"Nikki Closser","startTime":1194.48,"endTime":1199.31,"body":"wants the others, just loving"},{"speaker":"Nikki Closser","startTime":1199.34,"endTime":1202.94,"body":"what they do. and loving their"},{"speaker":"Nikki Closser","startTime":1199.34,"endTime":1202.94,"body":"life. And I was encouraged to"},{"speaker":"Nikki Closser","startTime":1202.94,"endTime":1207.2,"body":"start kind of doing some things"},{"speaker":"Nikki Closser","startTime":1202.94,"endTime":1207.2,"body":"that to teach others and I went"},{"speaker":"Nikki Closser","startTime":1207.2,"endTime":1210.2,"body":"for it. And I started out with"},{"speaker":"Nikki Closser","startTime":1207.2,"endTime":1210.2,"body":"just email templates, because"},{"speaker":"Nikki Closser","startTime":1210.95,"endTime":1213.59,"body":"you know how it is with having"},{"speaker":"Nikki Closser","startTime":1210.95,"endTime":1213.59,"body":"to automate, automate things."},{"speaker":"Nikki Closser","startTime":1213.59,"endTime":1216.77,"body":"And it you can save yourself so"},{"speaker":"Nikki Closser","startTime":1213.59,"endTime":1216.77,"body":"much time with templates. So I"},{"speaker":"Nikki Closser","startTime":1216.77,"endTime":1220.04,"body":"did that I have a lightroom"},{"speaker":"Nikki Closser","startTime":1216.77,"endTime":1220.04,"body":"presets. And so I started"},{"speaker":"Nikki Closser","startTime":1220.04,"endTime":1222.47,"body":"selling those to other"},{"speaker":"Nikki Closser","startTime":1220.04,"endTime":1222.47,"body":"photographers. And I saw that"},{"speaker":"Nikki Closser","startTime":1222.5,"endTime":1225.38,"body":"bringing in some passive income."},{"speaker":"Nikki Closser","startTime":1222.5,"endTime":1225.38,"body":"And I was like, wow, that was"},{"speaker":"Nikki Closser","startTime":1225.38,"endTime":1227.87,"body":"kind of nice, I made, you know,"},{"speaker":"Nikki Closser","startTime":1225.38,"endTime":1227.87,"body":"a couple 100 bucks was asleep"},{"speaker":"Nikki Closser","startTime":1227.93,"endTime":1232.16,"body":"last night, like, I really like"},{"speaker":"Nikki Closser","startTime":1227.93,"endTime":1232.16,"body":"this. So I started doing that."},{"speaker":"Nikki Closser","startTime":1232.16,"endTime":1235.76,"body":"And then ultimately, that led to"},{"speaker":"Nikki Closser","startTime":1232.16,"endTime":1235.76,"body":"me doing a personal branding"},{"speaker":"Nikki Closser","startTime":1235.76,"endTime":1239.36,"body":"course and an on location"},{"speaker":"Nikki Closser","startTime":1235.76,"endTime":1239.36,"body":"photography course. And so"},{"speaker":"Nikki Closser","startTime":1239.36,"endTime":1242.6,"body":"that's been really great, too."},{"speaker":"Nikki Closser","startTime":1239.36,"endTime":1242.6,"body":"And just having having the"},{"speaker":"Nikki Closser","startTime":1242.6,"endTime":1247.37,"body":"opportunity to have other people"},{"speaker":"Nikki Closser","startTime":1242.6,"endTime":1247.37,"body":"learn from my mistakes. I'm"},{"speaker":"Nikki Closser","startTime":1247.37,"endTime":1251.99,"body":"super open, like, I don't hide"},{"speaker":"Nikki Closser","startTime":1247.37,"endTime":1251.99,"body":"any of my mistakes and things"},{"speaker":"Nikki Closser","startTime":1251.99,"endTime":1255.59,"body":"that I did wrong and that sort"},{"speaker":"Nikki Closser","startTime":1251.99,"endTime":1255.59,"body":"of thing. So, so yeah, so having"},{"speaker":"Nikki Closser","startTime":1255.59,"endTime":1259.88,"body":"that extra passive income will,"},{"speaker":"Nikki Closser","startTime":1255.59,"endTime":1259.88,"body":"okay, it wasn't passive at"},{"speaker":"Nikki Closser","startTime":1259.88,"endTime":1263.18,"body":"first, like, it's, you know, it"},{"speaker":"Nikki Closser","startTime":1259.88,"endTime":1263.18,"body":"takes a lot of work to create"},{"speaker":"Nikki Closser","startTime":1263.21,"endTime":1266.66,"body":"these things, obviously, as you"},{"speaker":"Nikki Closser","startTime":1263.21,"endTime":1266.66,"body":"know, so but, you know,"},{"speaker":"Nikki Closser","startTime":1266.66,"endTime":1270.68,"body":"eventually it becomes sort of"},{"speaker":"Nikki Closser","startTime":1266.66,"endTime":1270.68,"body":"passive. And I was like, Okay,"},{"speaker":"Nikki Closser","startTime":1270.68,"endTime":1274.34,"body":"this is great. Like, I can do a"},{"speaker":"Nikki Closser","startTime":1270.68,"endTime":1274.34,"body":"little bit of photography, I"},{"speaker":"Nikki Closser","startTime":1274.34,"endTime":1278.72,"body":"have some of my course income."},{"speaker":"Nikki Closser","startTime":1274.34,"endTime":1278.72,"body":"And yeah, so allows me more time"},{"speaker":"Nikki Closser","startTime":1278.72,"endTime":1281.75,"body":"with my kids. So yeah,"},{"speaker":"Annemie Tonken","startTime":1282.2,"endTime":1285.74,"body":"I also think,"},{"speaker":"Annemie Tonken","startTime":1282.2,"endTime":1285.74,"body":"and I've talked before, a little"},{"speaker":"Annemie Tonken","startTime":1285.74,"endTime":1290.0,"body":"bit about getting into the"},{"speaker":"Annemie Tonken","startTime":1285.74,"endTime":1290.0,"body":"education space. And similarly"},{"speaker":"Annemie Tonken","startTime":1290.0,"endTime":1292.88,"body":"to you, I'm, I'm that person in"},{"speaker":"Annemie Tonken","startTime":1290.0,"endTime":1292.88,"body":"my friend group where somebody's"},{"speaker":"Annemie Tonken","startTime":1292.88,"endTime":1296.06,"body":"talking, I'm like, oh, okay,"},{"speaker":"Annemie Tonken","startTime":1292.88,"endTime":1296.06,"body":"it's a it's a problem. How are"},{"speaker":"Annemie Tonken","startTime":1296.06,"endTime":1301.19,"body":"we going to solve it? Yeah. And,"},{"speaker":"Annemie Tonken","startTime":1296.06,"endTime":1301.19,"body":"like, I feel that creative"},{"speaker":"Annemie Tonken","startTime":1301.34,"endTime":1305.12,"body":"juices flowing around business"},{"speaker":"Annemie Tonken","startTime":1301.34,"endTime":1305.12,"body":"ideas, it sounds like very much"},{"speaker":"Annemie Tonken","startTime":1305.12,"endTime":1309.17,"body":"the same way as you do. And, and"},{"speaker":"Annemie Tonken","startTime":1305.12,"endTime":1309.17,"body":"so education for me also felt"},{"speaker":"Annemie Tonken","startTime":1309.17,"endTime":1314.15,"body":"like kind of a next step. When"},{"speaker":"Annemie Tonken","startTime":1309.17,"endTime":1314.15,"body":"did you start doing more"},{"speaker":"Annemie Tonken","startTime":1314.15,"endTime":1316.37,"body":"education? Like, when did you"},{"speaker":"Annemie Tonken","startTime":1314.15,"endTime":1316.37,"body":"first launch those email"},{"speaker":"Annemie Tonken","startTime":1316.37,"endTime":1317.09,"body":"templates?"},{"speaker":"Nikki Closser","startTime":1317.42,"endTime":1319.43,"body":"Let's see. I did"},{"speaker":"Nikki Closser","startTime":1317.42,"endTime":1319.43,"body":"the email templates, like six"},{"speaker":"Nikki Closser","startTime":1319.43,"endTime":1322.1,"body":"years ago. Okay. Yeah. So that's"},{"speaker":"Nikki Closser","startTime":1319.43,"endTime":1322.1,"body":"been a little that's been a"},{"speaker":"Nikki Closser","startTime":1322.1,"endTime":1326.75,"body":"little while. The the courses,"},{"speaker":"Nikki Closser","startTime":1322.1,"endTime":1326.75,"body":"my first one I did in 2020. I"},{"speaker":"Nikki Closser","startTime":1326.75,"endTime":1329.15,"body":"mean, we had some downtime"},{"speaker":"Nikki Closser","startTime":1326.75,"endTime":1329.15,"body":"there. So it kind of made sense"},{"speaker":"Nikki Closser","startTime":1329.15,"endTime":1333.71,"body":"for me to, you know, do the do"},{"speaker":"Nikki Closser","startTime":1329.15,"endTime":1333.71,"body":"the course then. And then the"},{"speaker":"Nikki Closser","startTime":1333.71,"endTime":1336.38,"body":"second The On location course"},{"speaker":"Nikki Closser","startTime":1333.71,"endTime":1336.38,"body":"outdoor, and on location course"},{"speaker":"Nikki Closser","startTime":1336.38,"endTime":1340.19,"body":"I did that launch this year, or"},{"speaker":"Nikki Closser","startTime":1336.38,"endTime":1340.19,"body":"last year started 2022. Oh,"},{"speaker":"Nikki Closser","startTime":1340.19,"endTime":1343.37,"body":"nice. Congratulations. That's,"},{"speaker":"Nikki Closser","startTime":1340.19,"endTime":1343.37,"body":"thank you, thank you, thank"},{"speaker":"Annemie Tonken","startTime":1343.37,"endTime":1345.29,"body":"you just like"},{"speaker":"Annemie Tonken","startTime":1343.37,"endTime":1345.29,"body":"having a baby. It's a whole"},{"speaker":"Annemie Tonken","startTime":1345.29,"endTime":1345.59,"body":"thing."},{"speaker":"Nikki Closser","startTime":1346.07,"endTime":1348.38,"body":"I know, it's the"},{"speaker":"Nikki Closser","startTime":1346.07,"endTime":1348.38,"body":"best. I love it."},{"speaker":"Annemie Tonken","startTime":1348.38,"endTime":1351.41,"body":"Yeah, the reason"},{"speaker":"Annemie Tonken","startTime":1348.38,"endTime":1351.41,"body":"that I was gonna ask is just"},{"speaker":"Annemie Tonken","startTime":1351.44,"endTime":1356.21,"body":"that I happened to launch my"},{"speaker":"Annemie Tonken","startTime":1351.44,"endTime":1356.21,"body":"education business, or start"},{"speaker":"Annemie Tonken","startTime":1356.21,"endTime":1359.33,"body":"really getting into education at"},{"speaker":"Annemie Tonken","startTime":1356.21,"endTime":1359.33,"body":"the beginning of 2020. And"},{"speaker":"Annemie Tonken","startTime":1359.33,"endTime":1365.48,"body":"January, when the pandemic hit."},{"speaker":"Annemie Tonken","startTime":1359.33,"endTime":1365.48,"body":"That was, it was a huge piece of"},{"speaker":"Annemie Tonken","startTime":1365.48,"endTime":1369.17,"body":"my sort of financial safety net."},{"speaker":"Annemie Tonken","startTime":1365.48,"endTime":1369.17,"body":"And that was kind of the next"},{"speaker":"Annemie Tonken","startTime":1369.17,"endTime":1373.19,"body":"thing that I wanted to talk to"},{"speaker":"Annemie Tonken","startTime":1369.17,"endTime":1373.19,"body":"you about when it comes to"},{"speaker":"Annemie Tonken","startTime":1373.88,"endTime":1377.45,"body":"adding other income streams."},{"speaker":"Annemie Tonken","startTime":1373.88,"endTime":1377.45,"body":"Because there is something to be"},{"speaker":"Annemie Tonken","startTime":1377.45,"endTime":1381.35,"body":"said for, you need to give"},{"speaker":"Annemie Tonken","startTime":1377.45,"endTime":1381.35,"body":"yourself enough space to focus"},{"speaker":"Annemie Tonken","startTime":1381.38,"endTime":1383.96,"body":"on what you're doing and make"},{"speaker":"Annemie Tonken","startTime":1381.38,"endTime":1383.96,"body":"sure that what you are"},{"speaker":"Annemie Tonken","startTime":1383.96,"endTime":1387.95,"body":"delivering whether it's"},{"speaker":"Annemie Tonken","startTime":1383.96,"endTime":1387.95,"body":"photography, or education, or"},{"speaker":"Annemie Tonken","startTime":1387.95,"endTime":1391.13,"body":"something else completely, you"},{"speaker":"Annemie Tonken","startTime":1387.95,"endTime":1391.13,"body":"need to be doing well, right."},{"speaker":"Annemie Tonken","startTime":1391.16,"endTime":1395.06,"body":"Obviously, we don't be a jack of"},{"speaker":"Annemie Tonken","startTime":1391.16,"endTime":1395.06,"body":"all trades, master of none. But"},{"speaker":"Annemie Tonken","startTime":1395.12,"endTime":1399.23,"body":"at the same time, it's kind of"},{"speaker":"Annemie Tonken","startTime":1395.12,"endTime":1399.23,"body":"like an insurance policy. So I"},{"speaker":"Annemie Tonken","startTime":1399.23,"endTime":1404.03,"body":"sort of brought that up, because"},{"speaker":"Annemie Tonken","startTime":1399.23,"endTime":1404.03,"body":"in a way, having multiple income"},{"speaker":"Annemie Tonken","startTime":1404.03,"endTime":1407.63,"body":"streams really can be almost"},{"speaker":"Annemie Tonken","startTime":1404.03,"endTime":1407.63,"body":"like a bit of an insurance"},{"speaker":"Annemie Tonken","startTime":1407.63,"endTime":1411.86,"body":"policy, if one thing gets really"},{"speaker":"Annemie Tonken","startTime":1407.63,"endTime":1411.86,"body":"quiet for a period of time,"},{"speaker":"Annemie Tonken","startTime":1411.89,"endTime":1415.64,"body":"hopefully not because of the"},{"speaker":"Annemie Tonken","startTime":1411.89,"endTime":1415.64,"body":"pandemic again, but then having"},{"speaker":"Annemie Tonken","startTime":1415.64,"endTime":1419.15,"body":"different kinds of income or"},{"speaker":"Annemie Tonken","startTime":1415.64,"endTime":1419.15,"body":"income coming in from different"},{"speaker":"Annemie Tonken","startTime":1419.15,"endTime":1423.5,"body":"directions can really protect"},{"speaker":"Annemie Tonken","startTime":1419.15,"endTime":1423.5,"body":"you and your financial security."},{"speaker":"Nikki Closser","startTime":1424.46,"endTime":1427.34,"body":"Well, you know,"},{"speaker":"Nikki Closser","startTime":1424.46,"endTime":1427.34,"body":"it's interesting, because my"},{"speaker":"Nikki Closser","startTime":1427.34,"endTime":1430.4,"body":"husband and I lived in Seattle,"},{"speaker":"Nikki Closser","startTime":1427.34,"endTime":1430.4,"body":"and my kids, well, my kids are"},{"speaker":"Nikki Closser","startTime":1430.82,"endTime":1435.38,"body":"six and four now. So we lived in"},{"speaker":"Nikki Closser","startTime":1430.82,"endTime":1435.38,"body":"Seattle for 11 years. And I"},{"speaker":"Nikki Closser","startTime":1435.38,"endTime":1438.44,"body":"wanted to move back to Michigan"},{"speaker":"Nikki Closser","startTime":1435.38,"endTime":1438.44,"body":"for like, 10 of those years. So"},{"speaker":"Nikki Closser","startTime":1438.44,"endTime":1444.11,"body":"we we spent a lot of time going"},{"speaker":"Nikki Closser","startTime":1438.44,"endTime":1444.11,"body":"back and forth. And it was like"},{"speaker":"Nikki Closser","startTime":1444.11,"endTime":1450.92,"body":"2016 or 17 that I started a"},{"speaker":"Nikki Closser","startTime":1444.11,"endTime":1450.92,"body":"studio in Michigan as well. So"},{"speaker":"Nikki Closser","startTime":1450.95,"endTime":1453.32,"body":"anytime I wanted to come home to"},{"speaker":"Nikki Closser","startTime":1450.95,"endTime":1453.32,"body":"Michigan to visit my family and"},{"speaker":"Nikki Closser","startTime":1453.32,"endTime":1456.68,"body":"friends, I could work. So I had"},{"speaker":"Nikki Closser","startTime":1453.32,"endTime":1456.68,"body":"studios in both Seattle and"},{"speaker":"Nikki Closser","startTime":1456.68,"endTime":1461.03,"body":"Michigan fully operating, you"},{"speaker":"Nikki Closser","startTime":1456.68,"endTime":1461.03,"body":"know, lots of shoot studios. So"},{"speaker":"Nikki Closser","startTime":1461.03,"endTime":1464.96,"body":"it was it was crazy. But I"},{"speaker":"Nikki Closser","startTime":1461.03,"endTime":1464.96,"body":"started to think like you know,"},{"speaker":"Nikki Closser","startTime":1464.96,"endTime":1467.81,"body":"when we go back to Michigan for"},{"speaker":"Nikki Closser","startTime":1464.96,"endTime":1467.81,"body":"these extended periods of time,"},{"speaker":"Nikki Closser","startTime":1467.84,"endTime":1470.54,"body":"our Seattle house is just"},{"speaker":"Nikki Closser","startTime":1467.84,"endTime":1470.54,"body":"sitting there empty, like what"},{"speaker":"Nikki Closser","startTime":1470.54,"endTime":1473.3,"body":"could we do with it? And we"},{"speaker":"Nikki Closser","startTime":1470.54,"endTime":1473.3,"body":"didn't own a home in Michigan at"},{"speaker":"Nikki Closser","startTime":1473.3,"endTime":1475.19,"body":"this time we would go home and"},{"speaker":"Nikki Closser","startTime":1473.3,"endTime":1475.19,"body":"stay with my in laws or"},{"speaker":"Nikki Closser","startTime":1475.19,"endTime":1479.18,"body":"whatever. So we started Airbnb"},{"speaker":"Nikki Closser","startTime":1475.19,"endTime":1479.18,"body":"at the Seattle house while we"},{"speaker":"Nikki Closser","startTime":1479.18,"endTime":1482.27,"body":"were in Michigan. And I was like"},{"speaker":"Nikki Closser","startTime":1479.18,"endTime":1482.27,"body":"dang, this is pretty lucrative"},{"speaker":"Nikki Closser","startTime":1482.3,"endTime":1485.51,"body":"like not my favorite thing in"},{"speaker":"Nikki Closser","startTime":1482.3,"endTime":1485.51,"body":"the world to do and I won't"},{"speaker":"Nikki Closser","startTime":1485.51,"endTime":1489.59,"body":"Airbnb again, I don't think but"},{"speaker":"Nikki Closser","startTime":1485.51,"endTime":1489.59,"body":"at the time it was bringing me"},{"speaker":"Nikki Closser","startTime":1489.59,"endTime":1492.83,"body":"in like an extra $1,500 a month"},{"speaker":"Nikki Closser","startTime":1489.59,"endTime":1492.83,"body":"and that was paying for our"},{"speaker":"Nikki Closser","startTime":1492.83,"endTime":1497.87,"body":"flights home. And I saw like"},{"speaker":"Nikki Closser","startTime":1492.83,"endTime":1497.87,"body":"okay, this is kind of cool. This"},{"speaker":"Nikki Closser","startTime":1497.87,"endTime":1501.14,"body":"is some extra income coming in."},{"speaker":"Nikki Closser","startTime":1497.87,"endTime":1501.14,"body":"And like you said, I'm always"},{"speaker":"Nikki Closser","startTime":1501.14,"endTime":1507.02,"body":"thinking about little ways to"},{"speaker":"Nikki Closser","startTime":1501.14,"endTime":1507.02,"body":"bring in that extra income. So"},{"speaker":"Nikki Closser","startTime":1507.26,"endTime":1509.51,"body":"that was like the start of my"},{"speaker":"Nikki Closser","startTime":1507.26,"endTime":1509.51,"body":"real estate. You know, I"},{"speaker":"Nikki Closser","startTime":1509.51,"endTime":1513.2,"body":"mentioned at the beginning that"},{"speaker":"Nikki Closser","startTime":1509.51,"endTime":1513.2,"body":"I am a real estate investor now,"},{"speaker":"Nikki Closser","startTime":1513.2,"endTime":1514.34,"body":"and that was kind of the start"},{"speaker":"Nikki Closser","startTime":1513.2,"endTime":1514.34,"body":"of it."},{"speaker":"Annemie Tonken","startTime":1515.09,"endTime":1518.12,"body":"And so what is"},{"speaker":"Annemie Tonken","startTime":1515.09,"endTime":1518.12,"body":"your real estate investing? What"},{"speaker":"Annemie Tonken","startTime":1518.12,"endTime":1519.35,"body":"has that turned into?"},{"speaker":"Nikki Closser","startTime":1519.38,"endTime":1521.42,"body":"Well, it's funny,"},{"speaker":"Nikki Closser","startTime":1519.38,"endTime":1521.42,"body":"because the way it really"},{"speaker":"Nikki Closser","startTime":1521.42,"endTime":1526.07,"body":"happened is I was asked to be"},{"speaker":"Nikki Closser","startTime":1521.42,"endTime":1526.07,"body":"the host of the system, the one"},{"speaker":"Nikki Closser","startTime":1526.07,"endTime":1530.36,"body":"that you were on with me. And in"},{"speaker":"Nikki Closser","startTime":1526.07,"endTime":1530.36,"body":"order to be the host, the"},{"speaker":"Nikki Closser","startTime":1530.39,"endTime":1532.58,"body":"producer was like, I have some"},{"speaker":"Nikki Closser","startTime":1530.39,"endTime":1532.58,"body":"homework for you. I was like,"},{"speaker":"Nikki Closser","startTime":1532.58,"endTime":1535.73,"body":"okay, he's like, I want you to"},{"speaker":"Nikki Closser","startTime":1532.58,"endTime":1535.73,"body":"listen to 10 episodes of this"},{"speaker":"Nikki Closser","startTime":1535.73,"endTime":1539.12,"body":"podcast called bigger pockets."},{"speaker":"Nikki Closser","startTime":1535.73,"endTime":1539.12,"body":"It's a real estate and real"},{"speaker":"Nikki Closser","startTime":1539.12,"endTime":1543.89,"body":"estate, investing podcast, he's"},{"speaker":"Nikki Closser","startTime":1539.12,"endTime":1543.89,"body":"like, it'll probably be boring"},{"speaker":"Nikki Closser","startTime":1543.89,"endTime":1546.92,"body":"for you, whatever. But I want to"},{"speaker":"Nikki Closser","startTime":1543.89,"endTime":1546.92,"body":"structure the podcast how"},{"speaker":"Nikki Closser","startTime":1546.92,"endTime":1549.83,"body":"BiggerPockets does it and I'm"},{"speaker":"Nikki Closser","startTime":1546.92,"endTime":1549.83,"body":"like, Okay, sounds good. So"},{"speaker":"Nikki Closser","startTime":1549.83,"endTime":1551.78,"body":"after listening to like, the"},{"speaker":"Nikki Closser","startTime":1549.83,"endTime":1551.78,"body":"second episode, I call my"},{"speaker":"Nikki Closser","startTime":1551.78,"endTime":1554.42,"body":"husband, and I'm like, why are"},{"speaker":"Nikki Closser","startTime":1551.78,"endTime":1554.42,"body":"we not investing in real estate?"},{"speaker":"Nikki Closser","startTime":1554.42,"endTime":1557.39,"body":"Like I knew about the Airbnb"},{"speaker":"Nikki Closser","startTime":1554.42,"endTime":1557.39,"body":"opportunity, but I just didn't"},{"speaker":"Nikki Closser","startTime":1557.39,"endTime":1561.08,"body":"understand. I knew nothing about"},{"speaker":"Nikki Closser","startTime":1557.39,"endTime":1561.08,"body":"investing in real estate. And"},{"speaker":"Nikki Closser","startTime":1561.08,"endTime":1563.39,"body":"let's be honest, as"},{"speaker":"Nikki Closser","startTime":1561.08,"endTime":1563.39,"body":"entrepreneurs, we don't have"},{"speaker":"Nikki Closser","startTime":1563.39,"endTime":1567.35,"body":"pensions, we don't have 401 K"},{"speaker":"Nikki Closser","startTime":1563.39,"endTime":1567.35,"body":"matching, like, we don't have"},{"speaker":"Nikki Closser","startTime":1567.35,"endTime":1572.57,"body":"any of that. And so I started to"},{"speaker":"Nikki Closser","startTime":1567.35,"endTime":1572.57,"body":"think like, okay, you know, I'm,"},{"speaker":"Nikki Closser","startTime":1572.6,"endTime":1577.19,"body":"let's see, when was that that"},{"speaker":"Nikki Closser","startTime":1572.6,"endTime":1577.19,"body":"was early 2020. So I was like,"},{"speaker":"Nikki Closser","startTime":1577.19,"endTime":1582.77,"body":"42, at the time, or 42,"},{"speaker":"Nikki Closser","startTime":1577.19,"endTime":1582.77,"body":"something. And I was thinking,"},{"speaker":"Nikki Closser","startTime":1583.76,"endTime":1585.95,"body":"you know, we have to start"},{"speaker":"Nikki Closser","startTime":1583.76,"endTime":1585.95,"body":"saving for our future, we have"},{"speaker":"Nikki Closser","startTime":1585.95,"endTime":1588.59,"body":"to start investing. And this,"},{"speaker":"Nikki Closser","startTime":1585.95,"endTime":1588.59,"body":"this listening to this podcast,"},{"speaker":"Nikki Closser","startTime":1588.59,"endTime":1591.98,"body":"really just kind of kicked it in"},{"speaker":"Nikki Closser","startTime":1588.59,"endTime":1591.98,"body":"gear for me. And from then the"},{"speaker":"Nikki Closser","startTime":1591.98,"endTime":1594.65,"body":"first thing we did is we owned"},{"speaker":"Nikki Closser","startTime":1591.98,"endTime":1594.65,"body":"our house in Seattle, and we got"},{"speaker":"Nikki Closser","startTime":1594.65,"endTime":1598.7,"body":"a home equity line of credit."},{"speaker":"Nikki Closser","startTime":1594.65,"endTime":1598.7,"body":"And I bought a six unit"},{"speaker":"Nikki Closser","startTime":1598.79,"endTime":1602.84,"body":"apartment building in Michigan"},{"speaker":"Nikki Closser","startTime":1598.79,"endTime":1602.84,"body":"with that. And that's kind of"},{"speaker":"Nikki Closser","startTime":1602.84,"endTime":1607.52,"body":"how it just, it just started"},{"speaker":"Nikki Closser","startTime":1602.84,"endTime":1607.52,"body":"that way. And now I own let's"},{"speaker":"Nikki Closser","startTime":1607.52,"endTime":1612.5,"body":"see, we own 50 units, we're"},{"speaker":"Nikki Closser","startTime":1607.52,"endTime":1612.5,"body":"about to close on 30 More, at"},{"speaker":"Nikki Closser","startTime":1612.5,"endTime":1617.0,"body":"the end of February. So I just"},{"speaker":"Nikki Closser","startTime":1612.5,"endTime":1617.0,"body":"start, like I bought my first"},{"speaker":"Nikki Closser","startTime":1617.0,"endTime":1621.32,"body":"building in September of 2020."},{"speaker":"Nikki Closser","startTime":1617.0,"endTime":1621.32,"body":"So it's only been two and a"},{"speaker":"Nikki Closser","startTime":1621.32,"endTime":1624.95,"body":"half, not quite two and a half"},{"speaker":"Nikki Closser","startTime":1621.32,"endTime":1624.95,"body":"years. And I'm at 80 units like"},{"speaker":"Nikki Closser","startTime":1625.34,"endTime":1628.73,"body":"and it's not like we were rich."},{"speaker":"Nikki Closser","startTime":1625.34,"endTime":1628.73,"body":"And yes, we did have the HELOC."},{"speaker":"Nikki Closser","startTime":1629.15,"endTime":1634.28,"body":"You know, the home equity line"},{"speaker":"Nikki Closser","startTime":1629.15,"endTime":1634.28,"body":"of credit. But I it's just it's"},{"speaker":"Nikki Closser","startTime":1634.28,"endTime":1638.33,"body":"just amazing what you can do if"},{"speaker":"Nikki Closser","startTime":1634.28,"endTime":1638.33,"body":"you really just like workshop"},{"speaker":"Nikki Closser","startTime":1638.33,"endTime":1643.28,"body":"your resources and try and you"},{"speaker":"Nikki Closser","startTime":1638.33,"endTime":1643.28,"body":"know, work with what you got?"},{"speaker":"Annemie Tonken","startTime":1643.31,"endTime":1646.61,"body":"Yeah, well, and"},{"speaker":"Annemie Tonken","startTime":1643.31,"endTime":1646.61,"body":"I think the reason that I was so"},{"speaker":"Annemie Tonken","startTime":1646.61,"endTime":1649.82,"body":"excited to chat with you about"},{"speaker":"Annemie Tonken","startTime":1646.61,"endTime":1649.82,"body":"all this is that it is very"},{"speaker":"Annemie Tonken","startTime":1649.82,"endTime":1653.9,"body":"easy. As entrepreneurs, we wear"},{"speaker":"Annemie Tonken","startTime":1649.82,"endTime":1653.9,"body":"a lot of hats, there's a lot"},{"speaker":"Annemie Tonken","startTime":1653.9,"endTime":1656.81,"body":"going on in our little"},{"speaker":"Annemie Tonken","startTime":1653.9,"endTime":1656.81,"body":"businesses, it's easy to put the"},{"speaker":"Annemie Tonken","startTime":1656.81,"endTime":1660.02,"body":"blinders on, and just what's"},{"speaker":"Annemie Tonken","startTime":1656.81,"endTime":1660.02,"body":"directly in front of us. And it"},{"speaker":"Annemie Tonken","startTime":1660.02,"endTime":1664.01,"body":"is really important to"},{"speaker":"Annemie Tonken","startTime":1660.02,"endTime":1664.01,"body":"periodically pick your head up"},{"speaker":"Annemie Tonken","startTime":1664.01,"endTime":1667.73,"body":"and look further down the road"},{"speaker":"Annemie Tonken","startTime":1664.01,"endTime":1667.73,"body":"and say, am I setting myself up?"},{"speaker":"Annemie Tonken","startTime":1668.12,"endTime":1672.05,"body":"So that future me is still taken"},{"speaker":"Annemie Tonken","startTime":1668.12,"endTime":1672.05,"body":"care of not just like next week"},{"speaker":"Annemie Tonken","startTime":1672.05,"endTime":1677.24,"body":"me. But like five years from now"},{"speaker":"Annemie Tonken","startTime":1672.05,"endTime":1677.24,"body":"me 10 years from now me? I know"},{"speaker":"Annemie Tonken","startTime":1677.24,"endTime":1681.86,"body":"too many photographers who so as"},{"speaker":"Annemie Tonken","startTime":1677.24,"endTime":1681.86,"body":"part of actually most of my"},{"speaker":"Annemie Tonken","startTime":1681.86,"endTime":1685.25,"body":"courses, I have people run their"},{"speaker":"Annemie Tonken","startTime":1681.86,"endTime":1685.25,"body":"numbers really in a very"},{"speaker":"Annemie Tonken","startTime":1685.25,"endTime":1689.66,"body":"detailed way. And and one of the"},{"speaker":"Annemie Tonken","startTime":1685.25,"endTime":1689.66,"body":"line items in that is like"},{"speaker":"Annemie Tonken","startTime":1689.66,"endTime":1693.53,"body":"where's your retirement savings?"},{"speaker":"Annemie Tonken","startTime":1689.66,"endTime":1693.53,"body":"And I can't tell you when I'm"},{"speaker":"Annemie Tonken","startTime":1693.56,"endTime":1695.96,"body":"you know, chatting with people"},{"speaker":"Annemie Tonken","startTime":1693.56,"endTime":1695.96,"body":"about the way that they're going"},{"speaker":"Annemie Tonken","startTime":1695.96,"endTime":1699.23,"body":"through the calculator. How many"},{"speaker":"Annemie Tonken","startTime":1695.96,"endTime":1699.23,"body":"people say well, I'm not, I'm"},{"speaker":"Annemie Tonken","startTime":1699.23,"endTime":1703.16,"body":"not doing that now. We'll do"},{"speaker":"Annemie Tonken","startTime":1699.23,"endTime":1703.16,"body":"that later. Yes. And it's like,"},{"speaker":"Annemie Tonken","startTime":1703.19,"endTime":1706.55,"body":"right, okay, let's come back to"},{"speaker":"Annemie Tonken","startTime":1703.19,"endTime":1706.55,"body":"that and build that into your"},{"speaker":"Annemie Tonken","startTime":1706.55,"endTime":1709.67,"body":"pricing and into your income."},{"speaker":"Annemie Tonken","startTime":1706.55,"endTime":1709.67,"body":"And whether you're getting that"},{"speaker":"Annemie Tonken","startTime":1709.67,"endTime":1714.08,"body":"from photography, or you've got"},{"speaker":"Annemie Tonken","startTime":1709.67,"endTime":1714.08,"body":"some sort of side hustle to"},{"speaker":"Annemie Tonken","startTime":1714.08,"endTime":1719.78,"body":"your, to your business. It's so"},{"speaker":"Annemie Tonken","startTime":1714.08,"endTime":1719.78,"body":"so important. And that really"},{"speaker":"Annemie Tonken","startTime":1719.78,"endTime":1723.11,"body":"starts with educating yourself."},{"speaker":"Annemie Tonken","startTime":1719.78,"endTime":1723.11,"body":"I love the fact that you came"},{"speaker":"Annemie Tonken","startTime":1723.14,"endTime":1726.11,"body":"across that outside of the"},{"speaker":"Annemie Tonken","startTime":1723.14,"endTime":1726.11,"body":"photography realm."},{"speaker":"Nikki Closser","startTime":1726.74,"endTime":1729.53,"body":"Yeah. And I want"},{"speaker":"Nikki Closser","startTime":1726.74,"endTime":1729.53,"body":"to be clear, too. It's not like,"},{"speaker":"Nikki Closser","startTime":1729.89,"endTime":1733.67,"body":"you know, the real estate that I"},{"speaker":"Nikki Closser","startTime":1729.89,"endTime":1733.67,"body":"have right now, that's not pay,"},{"speaker":"Nikki Closser","startTime":1733.7,"endTime":1738.38,"body":"like I don't use that to pay my"},{"speaker":"Nikki Closser","startTime":1733.7,"endTime":1738.38,"body":"bills. I that's real estate's a"},{"speaker":"Nikki Closser","startTime":1738.38,"endTime":1741.32,"body":"long game. Real estate is an"},{"speaker":"Nikki Closser","startTime":1738.38,"endTime":1741.32,"body":"investment opportunity. I mean,"},{"speaker":"Nikki Closser","startTime":1741.32,"endTime":1743.81,"body":"and when within a couple years"},{"speaker":"Nikki Closser","startTime":1741.32,"endTime":1743.81,"body":"that probably will, I'll"},{"speaker":"Nikki Closser","startTime":1743.81,"endTime":1746.09,"body":"probably switch over to that"},{"speaker":"Nikki Closser","startTime":1743.81,"endTime":1746.09,"body":"paying my bills, I'll get to"},{"speaker":"Nikki Closser","startTime":1746.09,"endTime":1748.76,"body":"that point for sure. But it's"},{"speaker":"Nikki Closser","startTime":1746.09,"endTime":1748.76,"body":"one of those things where you"},{"speaker":"Nikki Closser","startTime":1748.76,"endTime":1752.54,"body":"have to look at investing as"},{"speaker":"Nikki Closser","startTime":1748.76,"endTime":1752.54,"body":"taking money, putting it"},{"speaker":"Nikki Closser","startTime":1752.54,"endTime":1756.47,"body":"somewhere for a long time. And"},{"speaker":"Nikki Closser","startTime":1752.54,"endTime":1756.47,"body":"then when you're ready, it'll be"},{"speaker":"Nikki Closser","startTime":1756.47,"endTime":1759.74,"body":"there. And it's one of those"},{"speaker":"Nikki Closser","startTime":1756.47,"endTime":1759.74,"body":"things where I think people get"},{"speaker":"Nikki Closser","startTime":1759.74,"endTime":1764.45,"body":"really nervous to take a chunk"},{"speaker":"Nikki Closser","startTime":1759.74,"endTime":1764.45,"body":"of money and put it somewhere"},{"speaker":"Nikki Closser","startTime":1764.45,"endTime":1768.59,"body":"because it's it's just not a"},{"speaker":"Nikki Closser","startTime":1764.45,"endTime":1768.59,"body":"tangible thing yet, if that"},{"speaker":"Nikki Closser","startTime":1768.59,"endTime":1773.48,"body":"makes sense. But there has to be"},{"speaker":"Nikki Closser","startTime":1768.59,"endTime":1773.48,"body":"a shift there because I know I"},{"speaker":"Nikki Closser","startTime":1773.48,"endTime":1776.69,"body":"didn't want to be like slang in"},{"speaker":"Nikki Closser","startTime":1773.48,"endTime":1776.69,"body":"my camera when I'm 75 years old."},{"speaker":"Nikki Closser","startTime":1777.38,"endTime":1782.33,"body":"You know, I will always do"},{"speaker":"Nikki Closser","startTime":1777.38,"endTime":1782.33,"body":"photography in some way I"},{"speaker":"Nikki Closser","startTime":1782.33,"endTime":1785.6,"body":"anticipate like it's just such a"},{"speaker":"Nikki Closser","startTime":1782.33,"endTime":1785.6,"body":"cool thing to do. But trading"},{"speaker":"Nikki Closser","startTime":1785.6,"endTime":1792.05,"body":"time for money is very different"},{"speaker":"Nikki Closser","startTime":1785.6,"endTime":1792.05,"body":"than you know kind of more of a"},{"speaker":"Nikki Closser","startTime":1792.05,"endTime":1794.36,"body":"passive and I hate to use the"},{"speaker":"Nikki Closser","startTime":1792.05,"endTime":1794.36,"body":"word passive because there's"},{"speaker":"Nikki Closser","startTime":1794.36,"endTime":1798.44,"body":"always work that comes with it."},{"speaker":"Nikki Closser","startTime":1794.36,"endTime":1798.44,"body":"But it's different than trading"},{"speaker":"Nikki Closser","startTime":1798.44,"endTime":1801.71,"body":"time for money like if I'm not"},{"speaker":"Nikki Closser","startTime":1798.44,"endTime":1801.71,"body":"shooting, I'm not making money."},{"speaker":"Nikki Closser","startTime":1802.76,"endTime":1807.89,"body":"You know. And that's kind of the"},{"speaker":"Nikki Closser","startTime":1802.76,"endTime":1807.89,"body":"idea of trading time for money."},{"speaker":"Nikki Closser","startTime":1807.92,"endTime":1810.47,"body":"Although I will say one thing I"},{"speaker":"Nikki Closser","startTime":1807.92,"endTime":1810.47,"body":"left out of a way that I was"},{"speaker":"Nikki Closser","startTime":1810.47,"endTime":1813.77,"body":"bringing in extra income is when"},{"speaker":"Nikki Closser","startTime":1810.47,"endTime":1813.77,"body":"we moved back to Michigan at the"},{"speaker":"Nikki Closser","startTime":1813.77,"endTime":1818.33,"body":"end of 2019, like December,"},{"speaker":"Nikki Closser","startTime":1813.77,"endTime":1818.33,"body":"November of 2019. And I had an"},{"speaker":"Nikki Closser","startTime":1818.33,"endTime":1823.13,"body":"associate shooter with me in all"},{"speaker":"Nikki Closser","startTime":1818.33,"endTime":1823.13,"body":"through 2019. And then when I"},{"speaker":"Nikki Closser","startTime":1823.13,"endTime":1825.65,"body":"moved back, and she was in"},{"speaker":"Nikki Closser","startTime":1823.13,"endTime":1825.65,"body":"Seattle, so she was doing shoot,"},{"speaker":"Nikki Closser","startTime":1825.65,"endTime":1828.83,"body":"I trained her, she was doing"},{"speaker":"Nikki Closser","startTime":1825.65,"endTime":1828.83,"body":"shoots for me out there, I was"},{"speaker":"Nikki Closser","startTime":1828.83,"endTime":1832.1,"body":"doing the retouching, she would"},{"speaker":"Nikki Closser","startTime":1828.83,"endTime":1832.1,"body":"do the photo viewing. And we"},{"speaker":"Nikki Closser","startTime":1832.1,"endTime":1834.35,"body":"were sharing the profit that"},{"speaker":"Nikki Closser","startTime":1832.1,"endTime":1834.35,"body":"way. So that was another way"},{"speaker":"Nikki Closser","startTime":1834.35,"endTime":1837.47,"body":"that I had income coming in. And"},{"speaker":"Nikki Closser","startTime":1834.35,"endTime":1837.47,"body":"then she left Seattle, and I"},{"speaker":"Nikki Closser","startTime":1837.47,"endTime":1839.81,"body":"just called it a day and didn't"},{"speaker":"Nikki Closser","startTime":1837.47,"endTime":1839.81,"body":"hire, you know, train anyone"},{"speaker":"Nikki Closser","startTime":1839.81,"endTime":1842.39,"body":"else. But that's another way"},{"speaker":"Nikki Closser","startTime":1839.81,"endTime":1842.39,"body":"that you can bring in extra"},{"speaker":"Nikki Closser","startTime":1842.39,"endTime":1844.64,"body":"income to and your photography"},{"speaker":"Nikki Closser","startTime":1842.39,"endTime":1844.64,"body":"business side out"},{"speaker":"Annemie Tonken","startTime":1844.64,"endTime":1846.86,"body":"there. Yeah,"},{"speaker":"Annemie Tonken","startTime":1844.64,"endTime":1846.86,"body":"it's absolutely possible to do"},{"speaker":"Annemie Tonken","startTime":1846.86,"endTime":1851.36,"body":"this within photography. But"},{"speaker":"Annemie Tonken","startTime":1846.86,"endTime":1851.36,"body":"it's also worth exploring if"},{"speaker":"Annemie Tonken","startTime":1851.36,"endTime":1854.18,"body":"there are other avenues that you"},{"speaker":"Annemie Tonken","startTime":1851.36,"endTime":1854.18,"body":"can pursue. And one of the"},{"speaker":"Annemie Tonken","startTime":1854.18,"endTime":1859.82,"body":"things in my own experience, and"},{"speaker":"Annemie Tonken","startTime":1854.18,"endTime":1859.82,"body":"actually that of my fiance, he"},{"speaker":"Annemie Tonken","startTime":1859.82,"endTime":1863.54,"body":"used to be a wedding"},{"speaker":"Annemie Tonken","startTime":1859.82,"endTime":1863.54,"body":"photographer he has now as of"},{"speaker":"Annemie Tonken","startTime":1863.54,"endTime":1865.97,"body":"the pandemic he switched over,"},{"speaker":"Annemie Tonken","startTime":1863.54,"endTime":1865.97,"body":"because he had been sort of"},{"speaker":"Annemie Tonken","startTime":1865.97,"endTime":1871.19,"body":"dabbling in Airbnb. And then he"},{"speaker":"Annemie Tonken","startTime":1865.97,"endTime":1871.19,"body":"went full all in on Airbnb. So"},{"speaker":"Annemie Tonken","startTime":1871.22,"endTime":1874.85,"body":"now he owns several properties."},{"speaker":"Annemie Tonken","startTime":1871.22,"endTime":1874.85,"body":"And he manages the awesome, and"},{"speaker":"Annemie Tonken","startTime":1874.85,"endTime":1879.26,"body":"it is a full time job. Like he"},{"speaker":"Annemie Tonken","startTime":1874.85,"endTime":1879.26,"body":"works very much full time doing"},{"speaker":"Annemie Tonken","startTime":1879.26,"endTime":1884.21,"body":"that. But what we have both"},{"speaker":"Annemie Tonken","startTime":1879.26,"endTime":1884.21,"body":"talked about a lot is how many"},{"speaker":"Annemie Tonken","startTime":1884.21,"endTime":1888.23,"body":"of his skills as a small"},{"speaker":"Annemie Tonken","startTime":1884.21,"endTime":1888.23,"body":"business owner, as a"},{"speaker":"Annemie Tonken","startTime":1888.23,"endTime":1892.61,"body":"photography, business owner, he"},{"speaker":"Annemie Tonken","startTime":1888.23,"endTime":1892.61,"body":"has turned into being a better"},{"speaker":"Annemie Tonken","startTime":1892.61,"endTime":1897.62,"body":"Airbnb host and owner than much"},{"speaker":"Annemie Tonken","startTime":1892.61,"endTime":1897.62,"body":"of the competition because, you"},{"speaker":"Annemie Tonken","startTime":1897.62,"endTime":1900.83,"body":"know, it was like, he knew how"},{"speaker":"Annemie Tonken","startTime":1897.62,"endTime":1900.83,"body":"to create a great experience for"},{"speaker":"Annemie Tonken","startTime":1900.83,"endTime":1903.83,"body":"someone he knew how to handle"},{"speaker":"Annemie Tonken","startTime":1900.83,"endTime":1903.83,"body":"customer service. He knew how to"},{"speaker":"Annemie Tonken","startTime":1903.83,"endTime":1907.16,"body":"put systems in place. So that"},{"speaker":"Annemie Tonken","startTime":1903.83,"endTime":1907.16,"body":"was not having to constantly"},{"speaker":"Annemie Tonken","startTime":1907.16,"endTime":1911.36,"body":"like touch everything. I love"},{"speaker":"Annemie Tonken","startTime":1907.16,"endTime":1911.36,"body":"how this journey can be. It's"},{"speaker":"Annemie Tonken","startTime":1911.36,"endTime":1914.27,"body":"all additive, right? Like always"},{"speaker":"Annemie Tonken","startTime":1911.36,"endTime":1914.27,"body":"learning and you're taking the"},{"speaker":"Annemie Tonken","startTime":1914.27,"endTime":1916.67,"body":"lessons that you've learned and"},{"speaker":"Annemie Tonken","startTime":1914.27,"endTime":1916.67,"body":"applying that and your"},{"speaker":"Annemie Tonken","startTime":1916.67,"endTime":1920.21,"body":"creativity to whatever adventure"},{"speaker":"Annemie Tonken","startTime":1916.67,"endTime":1920.21,"body":"you're going to next."},{"speaker":"Nikki Closser","startTime":1920.63,"endTime":1922.67,"body":"I'm so glad you"},{"speaker":"Nikki Closser","startTime":1920.63,"endTime":1922.67,"body":"brought this up. That's so"},{"speaker":"Nikki Closser","startTime":1922.67,"endTime":1926.96,"body":"important because it's when you"},{"speaker":"Nikki Closser","startTime":1922.67,"endTime":1926.96,"body":"shift into something else, it's"},{"speaker":"Nikki Closser","startTime":1926.96,"endTime":1930.14,"body":"a million times easier, because"},{"speaker":"Nikki Closser","startTime":1926.96,"endTime":1930.14,"body":"what you said you already know"},{"speaker":"Nikki Closser","startTime":1930.14,"endTime":1933.71,"body":"what to do, like so my business"},{"speaker":"Nikki Closser","startTime":1930.14,"endTime":1933.71,"body":"partner and I who actually Aaron"},{"speaker":"Nikki Closser","startTime":1933.71,"endTime":1937.58,"body":"Anderson is his name. He was the"},{"speaker":"Nikki Closser","startTime":1933.71,"endTime":1937.58,"body":"producer of the podcast, the"},{"speaker":"Nikki Closser","startTime":1937.58,"endTime":1940.85,"body":"portrait system podcast, he and"},{"speaker":"Nikki Closser","startTime":1937.58,"endTime":1940.85,"body":"I started a business called"},{"speaker":"Nikki Closser","startTime":1940.85,"endTime":1944.57,"body":"Dream Life investors because we"},{"speaker":"Nikki Closser","startTime":1940.85,"endTime":1944.57,"body":"realized we could scale a lot"},{"speaker":"Nikki Closser","startTime":1944.57,"endTime":1947.45,"body":"quicker if we were offering"},{"speaker":"Nikki Closser","startTime":1944.57,"endTime":1947.45,"body":"other people the opportunity to"},{"speaker":"Nikki Closser","startTime":1947.45,"endTime":1951.26,"body":"invest. So like with real"},{"speaker":"Nikki Closser","startTime":1947.45,"endTime":1951.26,"body":"estate, I think it's pretty"},{"speaker":"Nikki Closser","startTime":1951.26,"endTime":1953.84,"body":"remarkable how many people say"},{"speaker":"Nikki Closser","startTime":1951.26,"endTime":1953.84,"body":"they they're interested in"},{"speaker":"Nikki Closser","startTime":1953.84,"endTime":1955.91,"body":"investing in real estate, but"},{"speaker":"Nikki Closser","startTime":1953.84,"endTime":1955.91,"body":"they just don't know how they"},{"speaker":"Nikki Closser","startTime":1955.91,"endTime":1958.25,"body":"don't know what to do. They"},{"speaker":"Nikki Closser","startTime":1955.91,"endTime":1958.25,"body":"don't you know, it's can be very"},{"speaker":"Nikki Closser","startTime":1958.25,"endTime":1961.07,"body":"overwhelming to learn. So"},{"speaker":"Nikki Closser","startTime":1958.25,"endTime":1961.07,"body":"there's a couple of ways you can"},{"speaker":"Nikki Closser","startTime":1961.07,"endTime":1963.89,"body":"invest in real estate like your"},{"speaker":"Nikki Closser","startTime":1961.07,"endTime":1963.89,"body":"fiance does. There's Airbnb,"},{"speaker":"Nikki Closser","startTime":1964.01,"endTime":1967.13,"body":"some people are all about like"},{"speaker":"Nikki Closser","startTime":1964.01,"endTime":1967.13,"body":"finding buildings, like"},{"speaker":"Nikki Closser","startTime":1967.13,"endTime":1970.67,"body":"commercial multifamily, for me"},{"speaker":"Nikki Closser","startTime":1967.13,"endTime":1970.67,"body":"is apartment buildings and that"},{"speaker":"Nikki Closser","startTime":1970.67,"endTime":1973.4,"body":"sort of thing. That's my jam."},{"speaker":"Nikki Closser","startTime":1970.67,"endTime":1973.4,"body":"Like I absolutely love it. I"},{"speaker":"Nikki Closser","startTime":1973.4,"endTime":1977.45,"body":"love finding places I love, you"},{"speaker":"Nikki Closser","startTime":1973.4,"endTime":1977.45,"body":"know, buying buildings from a"},{"speaker":"Nikki Closser","startTime":1977.45,"endTime":1980.45,"body":"slumlord and turning it into a"},{"speaker":"Nikki Closser","startTime":1977.45,"endTime":1980.45,"body":"really great place to live."},{"speaker":"Nikki Closser","startTime":1980.87,"endTime":1983.75,"body":"That's, you know, there's just"},{"speaker":"Nikki Closser","startTime":1980.87,"endTime":1983.75,"body":"everything about it I love. Now"},{"speaker":"Nikki Closser","startTime":1983.75,"endTime":1985.73,"body":"some people don't want to do the"},{"speaker":"Nikki Closser","startTime":1983.75,"endTime":1985.73,"body":"work at all, they just want to"},{"speaker":"Nikki Closser","startTime":1985.73,"endTime":1989.39,"body":"be like here, take my money and"},{"speaker":"Nikki Closser","startTime":1985.73,"endTime":1989.39,"body":"invest it for me. Because I"},{"speaker":"Nikki Closser","startTime":1989.39,"endTime":1991.58,"body":"don't want to, I want to be"},{"speaker":"Nikki Closser","startTime":1989.39,"endTime":1991.58,"body":"hands off. So there's just lots"},{"speaker":"Nikki Closser","startTime":1991.58,"endTime":1993.56,"body":"of ways to do it. So Aaron, and"},{"speaker":"Nikki Closser","startTime":1991.58,"endTime":1993.56,"body":"I were like, Okay, we could"},{"speaker":"Nikki Closser","startTime":1993.56,"endTime":1997.73,"body":"scale this quicker if we offer"},{"speaker":"Nikki Closser","startTime":1993.56,"endTime":1997.73,"body":"this opportunity to others. And"},{"speaker":"Nikki Closser","startTime":1997.73,"endTime":2001.39,"body":"so we started dream life, which"},{"speaker":"Nikki Closser","startTime":1997.73,"endTime":2001.39,"body":"is a syndication company. So"},{"speaker":"Nikki Closser","startTime":2001.39,"endTime":2005.2,"body":"other people give us their"},{"speaker":"Nikki Closser","startTime":2001.39,"endTime":2005.2,"body":"money, and we invest it in"},{"speaker":"Nikki Closser","startTime":2005.2,"endTime":2007.57,"body":"properties, and we're investing"},{"speaker":"Nikki Closser","startTime":2005.2,"endTime":2007.57,"body":"our own money as well. Like, we"},{"speaker":"Nikki Closser","startTime":2007.57,"endTime":2009.97,"body":"always put our money where our"},{"speaker":"Nikki Closser","startTime":2007.57,"endTime":2009.97,"body":"mouth is, because that's you"},{"speaker":"Nikki Closser","startTime":2009.97,"endTime":2013.66,"body":"know, but like you said, I knew"},{"speaker":"Nikki Closser","startTime":2009.97,"endTime":2013.66,"body":"right away, we gotta get an"},{"speaker":"Nikki Closser","startTime":2013.66,"endTime":2016.78,"body":"email list going like step"},{"speaker":"Nikki Closser","startTime":2013.66,"endTime":2016.78,"body":"because I didn't do that at the"},{"speaker":"Nikki Closser","startTime":2016.78,"endTime":2019.39,"body":"beginning of my business. And I"},{"speaker":"Nikki Closser","startTime":2016.78,"endTime":2019.39,"body":"should have so anyone out there"},{"speaker":"Nikki Closser","startTime":2019.39,"endTime":2022.45,"body":"listening photographer or"},{"speaker":"Nikki Closser","startTime":2019.39,"endTime":2022.45,"body":"otherwise, get that email list"},{"speaker":"Nikki Closser","startTime":2022.45,"endTime":2025.39,"body":"started. I wish I would have"},{"speaker":"Nikki Closser","startTime":2022.45,"endTime":2025.39,"body":"started that sooner. So things"},{"speaker":"Nikki Closser","startTime":2025.39,"endTime":2027.4,"body":"like that, how to design a"},{"speaker":"Nikki Closser","startTime":2025.39,"endTime":2027.4,"body":"website, I think I had our"},{"speaker":"Nikki Closser","startTime":2027.4,"endTime":2031.06,"body":"website built in like three"},{"speaker":"Nikki Closser","startTime":2027.4,"endTime":2031.06,"body":"hours on show it like, no"},{"speaker":"Nikki Closser","startTime":2031.06,"endTime":2034.6,"body":"problem. And I'm not a web"},{"speaker":"Nikki Closser","startTime":2031.06,"endTime":2034.6,"body":"designer, you guys like I that"},{"speaker":"Nikki Closser","startTime":2034.81,"endTime":2038.26,"body":"not my thing. But when you do it"},{"speaker":"Nikki Closser","startTime":2034.81,"endTime":2038.26,"body":"long enough, all of a sudden is"},{"speaker":"Nikki Closser","startTime":2038.26,"endTime":2042.13,"body":"easy. If I was just starting"},{"speaker":"Nikki Closser","startTime":2038.26,"endTime":2042.13,"body":"this business, without having"},{"speaker":"Nikki Closser","startTime":2042.13,"endTime":2045.22,"body":"any of my business experience as"},{"speaker":"Nikki Closser","startTime":2042.13,"endTime":2045.22,"body":"a photographer before, we would"},{"speaker":"Nikki Closser","startTime":2045.22,"endTime":2047.98,"body":"never be as far along as we are"},{"speaker":"Nikki Closser","startTime":2045.22,"endTime":2047.98,"body":"not a chance"},{"speaker":"Annemie Tonken","startTime":2048.159,"endTime":2053.439,"body":"and photography,"},{"speaker":"Annemie Tonken","startTime":2048.159,"endTime":2053.439,"body":"amazing. First business to own"},{"speaker":"Annemie Tonken","startTime":2053.439,"endTime":2057.189,"body":"because the stakes are pretty"},{"speaker":"Annemie Tonken","startTime":2053.439,"endTime":2057.189,"body":"low and you can't you know, and"},{"speaker":"Annemie Tonken","startTime":2057.189,"endTime":2060.489,"body":"I say the stakes are low,"},{"speaker":"Annemie Tonken","startTime":2057.189,"endTime":2060.489,"body":"because the overhead is"},{"speaker":"Annemie Tonken","startTime":2060.489,"endTime":2065.379,"body":"typically quite low and able to"},{"speaker":"Annemie Tonken","startTime":2060.489,"endTime":2065.379,"body":"manage a lot of things as a"},{"speaker":"Annemie Tonken","startTime":2065.379,"endTime":2069.339,"body":"single person, you can get stuck"},{"speaker":"Annemie Tonken","startTime":2065.379,"endTime":2069.339,"body":"in that. But if you move through"},{"speaker":"Annemie Tonken","startTime":2069.339,"endTime":2071.829,"body":"it and you learn the lessons"},{"speaker":"Annemie Tonken","startTime":2069.339,"endTime":2071.829,"body":"that you're learning, and then"},{"speaker":"Annemie Tonken","startTime":2071.829,"endTime":2076.029,"body":"you're willing to translate"},{"speaker":"Annemie Tonken","startTime":2071.829,"endTime":2076.029,"body":"those, you have a set of"},{"speaker":"Annemie Tonken","startTime":2076.029,"endTime":2079.779,"body":"business skills that very few"},{"speaker":"Annemie Tonken","startTime":2076.029,"endTime":2079.779,"body":"people have if you're working in"},{"speaker":"Annemie Tonken","startTime":2079.779,"endTime":2084.279,"body":"the marketing department of you"},{"speaker":"Annemie Tonken","startTime":2079.779,"endTime":2084.279,"body":"know, Acme Company, whatever."},{"speaker":"Annemie Tonken","startTime":2085.839,"endTime":2090.039,"body":"You know, your slice of the"},{"speaker":"Annemie Tonken","startTime":2085.839,"endTime":2090.039,"body":"business, but as photographers"},{"speaker":"Annemie Tonken","startTime":2090.069,"endTime":2094.899,"body":"we know a mini business in its"},{"speaker":"Annemie Tonken","startTime":2090.069,"endTime":2094.899,"body":"entirety, and that's a really"},{"speaker":"Annemie Tonken","startTime":2094.929,"endTime":2095.559,"body":"powerful"},{"speaker":"Nikki Closser","startTime":2095.56,"endTime":2098.59,"body":"thing. It is it"},{"speaker":"Nikki Closser","startTime":2095.56,"endTime":2098.59,"body":"is cashew bring up that's just"},{"speaker":"Nikki Closser","startTime":2098.62,"endTime":2102.61,"body":"it's amazing. Yeah, it really"},{"speaker":"Nikki Closser","startTime":2098.62,"endTime":2102.61,"body":"truly is. And like you said,"},{"speaker":"Nikki Closser","startTime":2102.61,"endTime":2105.73,"body":"like about your fiance with the"},{"speaker":"Nikki Closser","startTime":2102.61,"endTime":2105.73,"body":"customer service aspect that is"},{"speaker":"Nikki Closser","startTime":2105.73,"endTime":2110.47,"body":"super important to us too. And I"},{"speaker":"Nikki Closser","startTime":2105.73,"endTime":2110.47,"body":"will say like, this has been"},{"speaker":"Nikki Closser","startTime":2110.47,"endTime":2115.48,"body":"really overwhelming and in like"},{"speaker":"Nikki Closser","startTime":2110.47,"endTime":2115.48,"body":"a really great, like loving way"},{"speaker":"Nikki Closser","startTime":2115.48,"endTime":2118.87,"body":"to me, a lot of people are"},{"speaker":"Nikki Closser","startTime":2115.48,"endTime":2118.87,"body":"investing with Aaron and I. And"},{"speaker":"Nikki Closser","startTime":2118.87,"endTime":2121.66,"body":"they specifically said, we're"},{"speaker":"Nikki Closser","startTime":2118.87,"endTime":2121.66,"body":"investing with you because we"},{"speaker":"Nikki Closser","startTime":2121.66,"endTime":2125.26,"body":"know like and trust you. Because"},{"speaker":"Nikki Closser","startTime":2121.66,"endTime":2125.26,"body":"I've been following you. For the"},{"speaker":"Nikki Closser","startTime":2125.26,"endTime":2128.77,"body":"last 10 years, I watched you"},{"speaker":"Nikki Closser","startTime":2125.26,"endTime":2128.77,"body":"grow your business. I watched"},{"speaker":"Nikki Closser","startTime":2128.77,"endTime":2131.8,"body":"you with Sue Brice, I watched"},{"speaker":"Nikki Closser","startTime":2128.77,"endTime":2131.8,"body":"you, you know, I listened to you"},{"speaker":"Nikki Closser","startTime":2131.8,"endTime":2135.07,"body":"on the podcast every week for"},{"speaker":"Nikki Closser","startTime":2131.8,"endTime":2135.07,"body":"the last three years. I feel"},{"speaker":"Nikki Closser","startTime":2135.07,"endTime":2138.34,"body":"like I know you. And I know"},{"speaker":"Nikki Closser","startTime":2135.07,"endTime":2138.34,"body":"you're good at what you do. So"},{"speaker":"Nikki Closser","startTime":2138.34,"endTime":2141.49,"body":"therefore, take my money and do"},{"speaker":"Nikki Closser","startTime":2138.34,"endTime":2141.49,"body":"whatever you want with it. I'm"},{"speaker":"Nikki Closser","startTime":2141.49,"endTime":2145.9,"body":"not even kidding. Like it has"},{"speaker":"Nikki Closser","startTime":2141.49,"endTime":2145.9,"body":"been. Like, it could seriously"},{"speaker":"Nikki Closser","startTime":2145.9,"endTime":2151.06,"body":"bring me to tears like how"},{"speaker":"Nikki Closser","startTime":2145.9,"endTime":2151.06,"body":"incredible it has been, you"},{"speaker":"Nikki Closser","startTime":2151.06,"endTime":2156.16,"body":"know, and so don't like I guess"},{"speaker":"Nikki Closser","startTime":2151.06,"endTime":2156.16,"body":"if you're out there wondering if"},{"speaker":"Nikki Closser","startTime":2156.16,"endTime":2159.52,"body":"you want to switch your industry"},{"speaker":"Nikki Closser","startTime":2156.16,"endTime":2159.52,"body":"or start a new business or start"},{"speaker":"Nikki Closser","startTime":2159.52,"endTime":2162.85,"body":"something else. Think about the"},{"speaker":"Nikki Closser","startTime":2159.52,"endTime":2162.85,"body":"people that you have, who know"},{"speaker":"Nikki Closser","startTime":2162.85,"endTime":2168.01,"body":"like and trust you now. And, you"},{"speaker":"Nikki Closser","startTime":2162.85,"endTime":2168.01,"body":"know, bring them along somehow"},{"speaker":"Nikki Closser","startTime":2168.01,"endTime":2173.02,"body":"it's like, just all of it has"},{"speaker":"Nikki Closser","startTime":2168.01,"endTime":2173.02,"body":"meshed incredibly together. It's"},{"speaker":"Nikki Closser","startTime":2173.11,"endTime":2174.31,"body":"it's been really remarkable."},{"speaker":"Annemie Tonken","startTime":2175.06,"endTime":2178.72,"body":"I think one of"},{"speaker":"Annemie Tonken","startTime":2175.06,"endTime":2178.72,"body":"the more fun exercises, the"},{"speaker":"Annemie Tonken","startTime":2178.72,"endTime":2181.51,"body":"older I get, and I guess this is"},{"speaker":"Annemie Tonken","startTime":2178.72,"endTime":2181.51,"body":"one of those where the extra"},{"speaker":"Annemie Tonken","startTime":2181.66,"endTime":2184.75,"body":"size just gets more fun, the"},{"speaker":"Annemie Tonken","startTime":2181.66,"endTime":2184.75,"body":"older you get is to really turn"},{"speaker":"Annemie Tonken","startTime":2184.75,"endTime":2188.02,"body":"around I remember especially in"},{"speaker":"Annemie Tonken","startTime":2184.75,"endTime":2188.02,"body":"my 20s because I bounced around"},{"speaker":"Annemie Tonken","startTime":2188.02,"endTime":2191.77,"body":"career wise a lot. And I"},{"speaker":"Annemie Tonken","startTime":2188.02,"endTime":2191.77,"body":"remember thinking as I was sort"},{"speaker":"Annemie Tonken","startTime":2191.77,"endTime":2196.3,"body":"of looking forward, like, oh my"},{"speaker":"Annemie Tonken","startTime":2191.77,"endTime":2196.3,"body":"gosh, who am I I'm so all over"},{"speaker":"Annemie Tonken","startTime":2196.3,"endTime":2198.55,"body":"the place. Nobody's ever gonna"},{"speaker":"Annemie Tonken","startTime":2196.3,"endTime":2198.55,"body":"take me seriously, because I'm"},{"speaker":"Annemie Tonken","startTime":2198.55,"endTime":2203.83,"body":"just like, that seems cool. That"},{"speaker":"Annemie Tonken","startTime":2198.55,"endTime":2203.83,"body":"seems nice. And now looking"},{"speaker":"Annemie Tonken","startTime":2203.83,"endTime":2206.95,"body":"back, I mean, it is my career"},{"speaker":"Annemie Tonken","startTime":2203.83,"endTime":2206.95,"body":"path, if you want to call it"},{"speaker":"Annemie Tonken","startTime":2206.95,"endTime":2211.42,"body":"that is like this very, you"},{"speaker":"Annemie Tonken","startTime":2206.95,"endTime":2211.42,"body":"know, zigzaggy line, but I now"},{"speaker":"Annemie Tonken","startTime":2211.42,"endTime":2214.93,"body":"can look back and say, Oh, this"},{"speaker":"Annemie Tonken","startTime":2211.42,"endTime":2214.93,"body":"is how they're all connected."},{"speaker":"Annemie Tonken","startTime":2215.29,"endTime":2219.19,"body":"And I love doing that with my"},{"speaker":"Annemie Tonken","startTime":2215.29,"endTime":2219.19,"body":"other like my peers. And I'm"},{"speaker":"Annemie Tonken","startTime":2219.19,"endTime":2221.83,"body":"sure yours is the same way it"},{"speaker":"Annemie Tonken","startTime":2219.19,"endTime":2221.83,"body":"sounds like you've got this"},{"speaker":"Annemie Tonken","startTime":2221.86,"endTime":2226.0,"body":"through line where you know, you"},{"speaker":"Annemie Tonken","startTime":2221.86,"endTime":2226.0,"body":"wanted to serve people you"},{"speaker":"Annemie Tonken","startTime":2226.0,"endTime":2230.89,"body":"wanted to, you know, and all of"},{"speaker":"Annemie Tonken","startTime":2226.0,"endTime":2230.89,"body":"those little skills and"},{"speaker":"Annemie Tonken","startTime":2230.89,"endTime":2233.8,"body":"personality traits really do"},{"speaker":"Annemie Tonken","startTime":2230.89,"endTime":2233.8,"body":"come into play. That's so cool."},{"speaker":"Nikki Closser","startTime":2233.86,"endTime":2238.42,"body":"And I think part"},{"speaker":"Nikki Closser","startTime":2233.86,"endTime":2238.42,"body":"of it is, is making sure to kind"},{"speaker":"Nikki Closser","startTime":2238.42,"endTime":2241.75,"body":"of stick with your strengths."},{"speaker":"Nikki Closser","startTime":2238.42,"endTime":2241.75,"body":"Like the things that you want to"},{"speaker":"Nikki Closser","startTime":2241.75,"endTime":2244.96,"body":"do and the things that you're"},{"speaker":"Nikki Closser","startTime":2241.75,"endTime":2244.96,"body":"really good at, like Aaron is"},{"speaker":"Nikki Closser","startTime":2244.96,"endTime":2249.1,"body":"more of the numbers guy. He's"},{"speaker":"Nikki Closser","startTime":2244.96,"endTime":2249.1,"body":"the one who like sets up the"},{"speaker":"Nikki Closser","startTime":2249.1,"endTime":2251.92,"body":"portal like that we have and all"},{"speaker":"Nikki Closser","startTime":2249.1,"endTime":2251.92,"body":"these things. I'm the one who"},{"speaker":"Nikki Closser","startTime":2251.92,"endTime":2254.56,"body":"like built our team here in"},{"speaker":"Nikki Closser","startTime":2251.92,"endTime":2254.56,"body":"Michigan, I'm out looking at"},{"speaker":"Nikki Closser","startTime":2254.56,"endTime":2257.05,"body":"properties, I'm the boots on the"},{"speaker":"Nikki Closser","startTime":2254.56,"endTime":2257.05,"body":"ground, I'm the you know,"},{"speaker":"Nikki Closser","startTime":2258.31,"endTime":2261.19,"body":"exactly the things that I love"},{"speaker":"Nikki Closser","startTime":2258.31,"endTime":2261.19,"body":"to do in my photography,"},{"speaker":"Nikki Closser","startTime":2261.19,"endTime":2264.46,"body":"business, you know, the"},{"speaker":"Nikki Closser","startTime":2261.19,"endTime":2264.46,"body":"networking, and just like the"},{"speaker":"Nikki Closser","startTime":2264.46,"endTime":2268.06,"body":"creative part of it, you know,"},{"speaker":"Nikki Closser","startTime":2264.46,"endTime":2268.06,"body":"I'm doing all of that like"},{"speaker":"Nikki Closser","startTime":2268.06,"endTime":2271.66,"body":"designing, you know, our brand"},{"speaker":"Nikki Closser","startTime":2268.06,"endTime":2271.66,"body":"colors, and all of that for this"},{"speaker":"Nikki Closser","startTime":2271.66,"endTime":2275.14,"body":"current business. And I feel"},{"speaker":"Nikki Closser","startTime":2271.66,"endTime":2275.14,"body":"like if you're gonna start"},{"speaker":"Nikki Closser","startTime":2275.14,"endTime":2278.83,"body":"something new, whether it's for"},{"speaker":"Nikki Closser","startTime":2275.14,"endTime":2278.83,"body":"passive income, or just a new"},{"speaker":"Nikki Closser","startTime":2278.83,"endTime":2282.46,"body":"business or whatever, make sure"},{"speaker":"Nikki Closser","startTime":2278.83,"endTime":2282.46,"body":"you're doing the things that you"},{"speaker":"Nikki Closser","startTime":2282.46,"endTime":2286.3,"body":"love, and not taking the things"},{"speaker":"Nikki Closser","startTime":2282.46,"endTime":2286.3,"body":"that you didn't enjoy about the"},{"speaker":"Nikki Closser","startTime":2286.3,"endTime":2289.03,"body":"other business and then doing"},{"speaker":"Nikki Closser","startTime":2286.3,"endTime":2289.03,"body":"the same thing again, because"},{"speaker":"Nikki Closser","startTime":2289.03,"endTime":2291.85,"body":"that's just gonna burn you like,"},{"speaker":"Nikki Closser","startTime":2289.03,"endTime":2291.85,"body":"Okay, one more thing when I when"},{"speaker":"Nikki Closser","startTime":2291.85,"endTime":2295.99,"body":"I was transitioning, when we"},{"speaker":"Nikki Closser","startTime":2291.85,"endTime":2295.99,"body":"moved to Seattle, and I started"},{"speaker":"Nikki Closser","startTime":2295.99,"endTime":2299.2,"body":"to get burned out on being a"},{"speaker":"Nikki Closser","startTime":2295.99,"endTime":2299.2,"body":"social worker, I was like, I"},{"speaker":"Nikki Closser","startTime":2299.2,"endTime":2301.9,"body":"want to do something different."},{"speaker":"Nikki Closser","startTime":2299.2,"endTime":2301.9,"body":"I know, I'll start a nonprofit."},{"speaker":"Nikki Closser","startTime":2302.14,"endTime":2306.34,"body":"So I started, I started a"},{"speaker":"Nikki Closser","startTime":2302.14,"endTime":2306.34,"body":"nonprofit. And it was really it"},{"speaker":"Nikki Closser","startTime":2306.34,"endTime":2309.85,"body":"was really, it was really"},{"speaker":"Nikki Closser","startTime":2306.34,"endTime":2309.85,"body":"incredible. We did autism"},{"speaker":"Nikki Closser","startTime":2309.85,"endTime":2313.0,"body":"education and advocacy in"},{"speaker":"Nikki Closser","startTime":2309.85,"endTime":2313.0,"body":"developing countries. So we had"},{"speaker":"Nikki Closser","startTime":2313.0,"endTime":2315.37,"body":"projects in Nepal. And then in"},{"speaker":"Nikki Closser","startTime":2313.0,"endTime":2315.37,"body":"the Maldives, it was"},{"speaker":"Nikki Closser","startTime":2315.94,"endTime":2318.82,"body":"unbelievable. Like, the amount"},{"speaker":"Nikki Closser","startTime":2315.94,"endTime":2318.82,"body":"of families we helped and"},{"speaker":"Nikki Closser","startTime":2318.82,"endTime":2323.14,"body":"everything. But I was doing more"},{"speaker":"Nikki Closser","startTime":2318.82,"endTime":2323.14,"body":"of the same. I was doing social"},{"speaker":"Nikki Closser","startTime":2323.14,"endTime":2326.65,"body":"work, I was doing what was"},{"speaker":"Nikki Closser","startTime":2323.14,"endTime":2326.65,"body":"burning me out, you know, and it"},{"speaker":"Nikki Closser","startTime":2326.65,"endTime":2329.77,"body":"was it was looking back, it's I"},{"speaker":"Nikki Closser","startTime":2326.65,"endTime":2329.77,"body":"would never change the"},{"speaker":"Nikki Closser","startTime":2329.77,"endTime":2333.76,"body":"experience. But knowing the"},{"speaker":"Nikki Closser","startTime":2329.77,"endTime":2333.76,"body":"things that light me up now and"},{"speaker":"Nikki Closser","startTime":2333.76,"endTime":2336.43,"body":"then I can do philanthropy on"},{"speaker":"Nikki Closser","startTime":2333.76,"endTime":2336.43,"body":"the side. You know, I can do"},{"speaker":"Nikki Closser","startTime":2336.43,"endTime":2339.49,"body":"philanthropy without it being my"},{"speaker":"Nikki Closser","startTime":2336.43,"endTime":2339.49,"body":"my whole life. But sticking with"},{"speaker":"Nikki Closser","startTime":2339.49,"endTime":2343.75,"body":"the thing that you love to do,"},{"speaker":"Nikki Closser","startTime":2339.49,"endTime":2343.75,"body":"and that light you up is going"},{"speaker":"Nikki Closser","startTime":2343.75,"endTime":2344.95,"body":"to be so important. Lean"},{"speaker":"Annemie Tonken","startTime":2344.95,"endTime":2348.16,"body":"into more of"},{"speaker":"Annemie Tonken","startTime":2344.95,"endTime":2348.16,"body":"what works for you. Oh, that's"},{"speaker":"Annemie Tonken","startTime":2348.16,"endTime":2351.7,"body":"so good. Well, Nikki, thank you"},{"speaker":"Annemie Tonken","startTime":2348.16,"endTime":2351.7,"body":"so much for sharing all of this,"},{"speaker":"Annemie Tonken","startTime":2351.7,"endTime":2354.43,"body":"I feel like this is going to be"},{"speaker":"Annemie Tonken","startTime":2351.7,"endTime":2354.43,"body":"one of those where somebody's"},{"speaker":"Annemie Tonken","startTime":2354.43,"endTime":2356.59,"body":"driving along and they're like"},{"speaker":"Annemie Tonken","startTime":2354.43,"endTime":2356.59,"body":"pulling over the side of the"},{"speaker":"Annemie Tonken","startTime":2356.59,"endTime":2359.8,"body":"road to make note because I do"},{"speaker":"Annemie Tonken","startTime":2356.59,"endTime":2359.8,"body":"think that this is one of those"},{"speaker":"Annemie Tonken","startTime":2359.8,"endTime":2362.14,"body":"things that in this industry"},{"speaker":"Annemie Tonken","startTime":2359.8,"endTime":2362.14,"body":"just doesn't get talked about"},{"speaker":"Annemie Tonken","startTime":2362.17,"endTime":2365.62,"body":"enough. So thank you for sharing"},{"speaker":"Annemie Tonken","startTime":2362.17,"endTime":2365.62,"body":"your experience, but let"},{"speaker":"Annemie Tonken","startTime":2365.62,"endTime":2367.24,"body":"everybody know where they can"},{"speaker":"Annemie Tonken","startTime":2365.62,"endTime":2367.24,"body":"find you."},{"speaker":"Unknown","startTime":2367.27,"endTime":2370.3,"body":"Sure. Everything's"},{"speaker":"Unknown","startTime":2367.27,"endTime":2370.3,"body":"under my name. So Nikki Closser."},{"speaker":"Unknown","startTime":2370.69,"endTime":2374.11,"body":"And there are there's a couple"},{"speaker":"Unknown","startTime":2370.69,"endTime":2374.11,"body":"like free download resources on"},{"speaker":"Unknown","startTime":2374.11,"endTime":2377.02,"body":"my website. If people are"},{"speaker":"Unknown","startTime":2374.11,"endTime":2377.02,"body":"interested, a couple free"},{"speaker":"Unknown","startTime":2377.02,"endTime":2380.53,"body":"videos, a couple PDFs, personal"},{"speaker":"Unknown","startTime":2377.02,"endTime":2380.53,"body":"branding related posing"},{"speaker":"Unknown","startTime":2380.53,"endTime":2385.66,"body":"marketing, that sort of thing."},{"speaker":"Unknown","startTime":2380.53,"endTime":2385.66,"body":"On Instagram, Nikki cossar. And"},{"speaker":"Unknown","startTime":2385.66,"endTime":2388.75,"body":"if you're interested in real"},{"speaker":"Unknown","startTime":2385.66,"endTime":2388.75,"body":"estate investing, that's dream"},{"speaker":"Unknown","startTime":2388.75,"endTime":2392.47,"body":"life. investors.com. And, yeah,"},{"speaker":"Annemie Tonken","startTime":2392.71,"endTime":2394.81,"body":"amazing. We'll"},{"speaker":"Annemie Tonken","startTime":2392.71,"endTime":2394.81,"body":"link all of it in the show"},{"speaker":"Annemie Tonken","startTime":2394.81,"endTime":2398.98,"body":"notes, of course. But we'll have"},{"speaker":"Annemie Tonken","startTime":2394.81,"endTime":2398.98,"body":"you on again sometime in the"},{"speaker":"Annemie Tonken","startTime":2398.98,"endTime":2401.41,"body":"near ish future. So that we can"},{"speaker":"Annemie Tonken","startTime":2398.98,"endTime":2401.41,"body":"chat more."},{"speaker":"Nikki Closser","startTime":2402.13,"endTime":2403.81,"body":"That would be"},{"speaker":"Nikki Closser","startTime":2402.13,"endTime":2403.81,"body":"awesome. Thank you so much."},{"speaker":"Nikki Closser","startTime":2403.81,"endTime":2406.33,"body":"Anyway, appreciate appreciate"},{"speaker":"Nikki Closser","startTime":2403.81,"endTime":2406.33,"body":"you having me on. Of course."},{"speaker":"Annemie Tonken","startTime":2406.33,"endTime":2409.36,"body":"Thank you have a"},{"speaker":"Annemie Tonken","startTime":2406.33,"endTime":2409.36,"body":"great day. Well, that's it for"},{"speaker":"Annemie Tonken","startTime":2409.36,"endTime":2412.39,"body":"this week's episode of This"},{"speaker":"Annemie Tonken","startTime":2409.36,"endTime":2412.39,"body":"can't be that hard. I'll be back"},{"speaker":"Annemie Tonken","startTime":2412.39,"endTime":2416.26,"body":"Same time, same place next week."},{"speaker":"Annemie Tonken","startTime":2412.39,"endTime":2416.26,"body":"In the meantime, you can find"},{"speaker":"Annemie Tonken","startTime":2416.26,"endTime":2419.02,"body":"more information about this"},{"speaker":"Annemie Tonken","startTime":2416.26,"endTime":2419.02,"body":"episode, along with all the"},{"speaker":"Annemie Tonken","startTime":2419.02,"endTime":2422.41,"body":"relevant links, notes and"},{"speaker":"Annemie Tonken","startTime":2419.02,"endTime":2422.41,"body":"downloads at this can't be that"},{"speaker":"Annemie Tonken","startTime":2422.41,"endTime":2426.79,"body":"hard.com/learn If you liked the"},{"speaker":"Annemie Tonken","startTime":2422.41,"endTime":2426.79,"body":"podcast, be sure to hit the"},{"speaker":"Annemie Tonken","startTime":2426.79,"endTime":2430.42,"body":"subscribe button. Even better,"},{"speaker":"Annemie Tonken","startTime":2426.79,"endTime":2430.42,"body":"share the love by leaving a"},{"speaker":"Annemie Tonken","startTime":2430.42,"endTime":2434.56,"body":"review in iTunes. And as always,"},{"speaker":"Annemie Tonken","startTime":2430.42,"endTime":2434.56,"body":"thanks so much for joining me. I"},{"speaker":"Annemie Tonken","startTime":2434.56,"endTime":2436.45,"body":"hope you have a fantastic week."}]}