{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.189,"endTime":1.239,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.189,"endTime":1.239,"body":"how's it going everybody?"},{"speaker":"Average Joe Finances","startTime":1.239,"endTime":5.71,"body":"So today's guest is Sammy warrior yet,"},{"speaker":"Average Joe Finances","startTime":1.239,"endTime":5.71,"body":"and he has been a leader at a fortune"},{"speaker":"Average Joe Finances","startTime":5.71,"endTime":11.11,"body":"1000 company, a warehouse blue collar"},{"speaker":"Average Joe Finances","startTime":5.71,"endTime":11.11,"body":"stocker, a support analyst, and many other"},{"speaker":"Average Joe Finances","startTime":11.11,"endTime":13.416,"body":"roles in between throughout all of it."},{"speaker":"Average Joe Finances","startTime":13.416,"endTime":17.556,"body":"Sammy has always been passionate"},{"speaker":"Average Joe Finances","startTime":13.416,"endTime":17.556,"body":"about finding a way to be financially"},{"speaker":"Average Joe Finances","startTime":17.556,"endTime":19.686,"body":"independent and do what he loves most."},{"speaker":"Average Joe Finances","startTime":20.371,"endTime":25.231,"body":"Coaching personal finance and being a life"},{"speaker":"Average Joe Finances","startTime":20.371,"endTime":25.231,"body":"coach in areas of success for millennials,"},{"speaker":"Average Joe Finances","startTime":25.231,"endTime":30.128,"body":"his own age, Sammy realized that money"},{"speaker":"Average Joe Finances","startTime":25.231,"endTime":30.128,"body":"is important to unlock freedom of time,"},{"speaker":"Average Joe Finances","startTime":30.178,"endTime":31.798,"body":"but it's not the only piece needed."},{"speaker":"Average Joe Finances","startTime":31.835,"endTime":35.135,"body":"That was a key motivator for him to"},{"speaker":"Average Joe Finances","startTime":31.835,"endTime":35.135,"body":"dive in and see what else was needed"},{"speaker":"Average Joe Finances","startTime":35.135,"endTime":36.885,"body":"to be truly successful in life."},{"speaker":"Average Joe Finances","startTime":36.955,"endTime":40.379,"body":"Where he eventually came up with"},{"speaker":"Average Joe Finances","startTime":36.955,"endTime":40.379,"body":"these five categories, happiness,"},{"speaker":"Average Joe Finances","startTime":40.48,"endTime":45.08,"body":"money, physical and mental health"},{"speaker":"Average Joe Finances","startTime":40.48,"endTime":45.08,"body":"career and purpose and relationships."},{"speaker":"Average Joe Finances","startTime":45.08,"endTime":48.436,"body":"And that's social, intimate"},{"speaker":"Average Joe Finances","startTime":45.08,"endTime":48.436,"body":"and family relationships today."},{"speaker":"Average Joe Finances","startTime":48.453,"endTime":50.103,"body":"Sammy's retired."},{"speaker":"Average Joe Finances","startTime":50.103,"endTime":54.253,"body":"I'll say that word again, retired"},{"speaker":"Average Joe Finances","startTime":50.103,"endTime":54.253,"body":"from corporate America and hosting"},{"speaker":"Average Joe Finances","startTime":54.253,"endTime":56.233,"body":"the successful millennials podcast."},{"speaker":"Average Joe Finances","startTime":56.243,"endTime":60.469,"body":"It's a podcast that's dedicated to"},{"speaker":"Average Joe Finances","startTime":56.243,"endTime":60.469,"body":"informing empowering and inspiring"},{"speaker":"Average Joe Finances","startTime":60.469,"endTime":64.233,"body":"millennials to get out into the world"},{"speaker":"Average Joe Finances","startTime":60.469,"endTime":64.233,"body":"and live their most successful life."},{"speaker":"Average Joe Finances","startTime":64.329,"endTime":67.772,"body":"They cover all areas of the stuff"},{"speaker":"Average Joe Finances","startTime":64.329,"endTime":67.772,"body":"you wish you learned in school, and"},{"speaker":"Average Joe Finances","startTime":67.772,"endTime":71.616,"body":"they explore the steps to reaching"},{"speaker":"Average Joe Finances","startTime":67.772,"endTime":71.616,"body":"success in 5 categories, like we"},{"speaker":"Average Joe Finances","startTime":71.616,"endTime":74.799,"body":"said before, money, happiness,"},{"speaker":"Average Joe Finances","startTime":71.616,"endTime":74.799,"body":"health, relationships, and career."},{"speaker":"Average Joe Finances","startTime":74.806,"endTime":77.146,"body":"Hey Sammy, absolute"},{"speaker":"Average Joe Finances","startTime":74.806,"endTime":77.146,"body":"pleasure having you on."},{"speaker":"Average Joe Finances","startTime":77.146,"endTime":78.406,"body":"That's an awesome background."},{"speaker":"Average Joe Finances","startTime":78.472,"endTime":79.532,"body":"Thanks for joining us today."},{"speaker":"Sammy Warrayat","startTime":80.162,"endTime":81.047,"body":"I appreciate it, man."},{"speaker":"Sammy Warrayat","startTime":81.047,"endTime":82.247,"body":"You a hype me up a lot."},{"speaker":"Sammy Warrayat","startTime":82.247,"endTime":84.007,"body":"I hope that's a little expectations."},{"speaker":"Average Joe Finances","startTime":84.257,"endTime":85.607,"body":"Yeah, I hope so too."},{"speaker":"Average Joe Finances","startTime":85.637,"endTime":89.707,"body":"Now I'm getting, Hey so speaking of that"},{"speaker":"Average Joe Finances","startTime":85.637,"endTime":89.707,"body":"background, which amazing background,"},{"speaker":"Average Joe Finances","startTime":89.707,"endTime":92.527,"body":"man, congratulations for all your"},{"speaker":"Average Joe Finances","startTime":89.707,"endTime":92.527,"body":"success and everything that you're doing."},{"speaker":"Average Joe Finances","startTime":92.564,"endTime":95.144,"body":"I'd like to dive a little"},{"speaker":"Average Joe Finances","startTime":92.564,"endTime":95.144,"body":"bit deeper into that, right?"},{"speaker":"Average Joe Finances","startTime":95.144,"endTime":97.844,"body":"So I kind of gave like the"},{"speaker":"Average Joe Finances","startTime":95.144,"endTime":97.844,"body":"wave top of who you are."},{"speaker":"Average Joe Finances","startTime":97.894,"endTime":101.094,"body":"So Sammy, if you could tell us a"},{"speaker":"Average Joe Finances","startTime":97.894,"endTime":101.094,"body":"little bit more about yourself what"},{"speaker":"Average Joe Finances","startTime":101.094,"endTime":103.074,"body":"was the thing that drove you into this?"},{"speaker":"Average Joe Finances","startTime":103.074,"endTime":104.454,"body":"Just share your story with us."},{"speaker":"Sammy Warrayat","startTime":104.487,"endTime":104.667,"body":"Yeah."},{"speaker":"Sammy Warrayat","startTime":104.687,"endTime":108.347,"body":"I think it's because my parents were"},{"speaker":"Sammy Warrayat","startTime":104.687,"endTime":108.347,"body":"immigrants into the country and they"},{"speaker":"Sammy Warrayat","startTime":108.497,"endTime":112.997,"body":"thought that the level of success or"},{"speaker":"Sammy Warrayat","startTime":108.497,"endTime":112.997,"body":"the goal of success would be get a high"},{"speaker":"Sammy Warrayat","startTime":112.997,"endTime":117.947,"body":"paying job, get a college degree, lawyer,"},{"speaker":"Sammy Warrayat","startTime":112.997,"endTime":117.947,"body":"engineer, doctor, or something like that."},{"speaker":"Sammy Warrayat","startTime":117.947,"endTime":119.277,"body":"And, you'll be good."},{"speaker":"Sammy Warrayat","startTime":119.697,"endTime":123.977,"body":"And I started, I went to Georgia tech,"},{"speaker":"Sammy Warrayat","startTime":119.697,"endTime":123.977,"body":"I got a computer science background."},{"speaker":"Sammy Warrayat","startTime":123.977,"endTime":127.217,"body":"Didn't really know what I wanted to do,"},{"speaker":"Sammy Warrayat","startTime":123.977,"endTime":127.217,"body":"but I was young and I was just like,"},{"speaker":"Sammy Warrayat","startTime":127.217,"endTime":131.537,"body":"let me get something that I can transfer"},{"speaker":"Sammy Warrayat","startTime":127.217,"endTime":131.537,"body":"into any industry and computer science."},{"speaker":"Sammy Warrayat","startTime":131.537,"endTime":135.407,"body":"You can do analytics, you can do"},{"speaker":"Sammy Warrayat","startTime":131.537,"endTime":135.407,"body":"project management, you can do,"},{"speaker":"Sammy Warrayat","startTime":135.437,"endTime":137.177,"body":"coding, you could do anything really."},{"speaker":"Sammy Warrayat","startTime":137.177,"endTime":139.65,"body":"So I decided that would"},{"speaker":"Sammy Warrayat","startTime":137.177,"endTime":139.65,"body":"be the major for me."},{"speaker":"Sammy Warrayat","startTime":139.65,"endTime":143.43,"body":"And I started in bouncing around"},{"speaker":"Sammy Warrayat","startTime":139.65,"endTime":143.43,"body":"in corporate but, I didn't"},{"speaker":"Sammy Warrayat","startTime":143.45,"endTime":145.16,"body":"really know what I wanted still."},{"speaker":"Sammy Warrayat","startTime":145.16,"endTime":149.81,"body":"So my only two criteria for finding"},{"speaker":"Sammy Warrayat","startTime":145.16,"endTime":149.81,"body":"a job was what am I going to learn?"},{"speaker":"Sammy Warrayat","startTime":149.93,"endTime":151.04,"body":"And what am I going to earn?"},{"speaker":"Sammy Warrayat","startTime":151.58,"endTime":156.68,"body":"And that's it like the company"},{"speaker":"Sammy Warrayat","startTime":151.58,"endTime":156.68,"body":"culture, the team dynamic, the"},{"speaker":"Sammy Warrayat","startTime":156.71,"endTime":158.45,"body":"title, none of that mattered to me."},{"speaker":"Sammy Warrayat","startTime":158.45,"endTime":159.74,"body":"It was just those two things."},{"speaker":"Sammy Warrayat","startTime":160.13,"endTime":162.02,"body":"And so I bounced around"},{"speaker":"Sammy Warrayat","startTime":160.13,"endTime":162.02,"body":"a little bit after."},{"speaker":"Sammy Warrayat","startTime":162.169,"endTime":164.179,"body":"I continue to try to master every role."},{"speaker":"Sammy Warrayat","startTime":164.179,"endTime":166.039,"body":"I was working as hard as I could."},{"speaker":"Sammy Warrayat","startTime":166.039,"endTime":171.169,"body":"And as many hours as I felt needed,"},{"speaker":"Sammy Warrayat","startTime":166.039,"endTime":171.169,"body":"like 70, 60, 70 hours every week,"},{"speaker":"Sammy Warrayat","startTime":171.169,"endTime":175.609,"body":"and try to master the role as fast as"},{"speaker":"Sammy Warrayat","startTime":171.169,"endTime":175.609,"body":"possible with trying to find out, okay,"},{"speaker":"Sammy Warrayat","startTime":175.999,"endTime":177.949,"body":"now I can build that kind of salary."},{"speaker":"Sammy Warrayat","startTime":177.949,"endTime":180.289,"body":"Let's figure out what I'm"},{"speaker":"Sammy Warrayat","startTime":177.949,"endTime":180.289,"body":"going to do for the future."},{"speaker":"Sammy Warrayat","startTime":180.289,"endTime":184.489,"body":"Cause I know this isn't a, long-term"},{"speaker":"Sammy Warrayat","startTime":180.289,"endTime":184.489,"body":"like I'll burn out by doing this forever."},{"speaker":"Sammy Warrayat","startTime":184.489,"endTime":188.319,"body":"So I had to keep a forward eye"},{"speaker":"Sammy Warrayat","startTime":184.489,"endTime":188.319,"body":"on the future with saying, how"},{"speaker":"Sammy Warrayat","startTime":188.319,"endTime":189.759,"body":"am I going to free my time?"},{"speaker":"Sammy Warrayat","startTime":191.069,"endTime":193.589,"body":"And so the last few years I've been"},{"speaker":"Sammy Warrayat","startTime":191.069,"endTime":193.589,"body":"really trying to a bunch of different"},{"speaker":"Sammy Warrayat","startTime":193.589,"endTime":198.209,"body":"side hustles, finding out where my passion"},{"speaker":"Sammy Warrayat","startTime":193.589,"endTime":198.209,"body":"could be, because I didn't just want to"},{"speaker":"Sammy Warrayat","startTime":198.209,"endTime":200.459,"body":"transfer from one job to another job."},{"speaker":"Sammy Warrayat","startTime":200.939,"endTime":204.449,"body":"I wanted it to be something"},{"speaker":"Sammy Warrayat","startTime":200.939,"endTime":204.449,"body":"that was more passion driven and"},{"speaker":"Sammy Warrayat","startTime":204.509,"endTime":206.549,"body":"allow myself the time to really."},{"speaker":"Sammy Warrayat","startTime":207.549,"endTime":211.059,"body":"Find it and master that role or"},{"speaker":"Sammy Warrayat","startTime":207.549,"endTime":211.059,"body":"in continuing to really learn it."},{"speaker":"Sammy Warrayat","startTime":211.059,"endTime":215.159,"body":"Because even in podcasting, as you know,"},{"speaker":"Sammy Warrayat","startTime":211.059,"endTime":215.159,"body":"like every episode you feel like is"},{"speaker":"Sammy Warrayat","startTime":215.159,"endTime":217.679,"body":"better than the last one, because you've"},{"speaker":"Sammy Warrayat","startTime":215.159,"endTime":217.679,"body":"learned something new, either how to"},{"speaker":"Sammy Warrayat","startTime":217.679,"endTime":219.929,"body":"interview, how to edit, how to promote."},{"speaker":"Sammy Warrayat","startTime":220.349,"endTime":223.979,"body":"So it's just a constant process of"},{"speaker":"Sammy Warrayat","startTime":220.349,"endTime":223.979,"body":"learning that I've just figured out."},{"speaker":"Sammy Warrayat","startTime":224.039,"endTime":224.939,"body":"This is what I like doing."},{"speaker":"Sammy Warrayat","startTime":224.939,"endTime":225.989,"body":"I love talking to people."},{"speaker":"Sammy Warrayat","startTime":225.989,"endTime":227.069,"body":"I love helping people."},{"speaker":"Sammy Warrayat","startTime":227.459,"endTime":231.719,"body":"And whether that be via podcast"},{"speaker":"Sammy Warrayat","startTime":227.459,"endTime":231.719,"body":"form via the coaching that I do or."},{"speaker":"Sammy Warrayat","startTime":232.779,"endTime":233.859,"body":"Getting on other people's shows."},{"speaker":"Sammy Warrayat","startTime":233.859,"endTime":236.379,"body":"It's just how you want to spread"},{"speaker":"Sammy Warrayat","startTime":233.859,"endTime":236.379,"body":"the word and get people to"},{"speaker":"Sammy Warrayat","startTime":236.379,"endTime":237.969,"body":"have their finances in order."},{"speaker":"Sammy Warrayat","startTime":238.059,"endTime":240.929,"body":"And then everything else will"},{"speaker":"Sammy Warrayat","startTime":238.059,"endTime":240.929,"body":"be following in my opinion."},{"speaker":"Sammy Warrayat","startTime":240.929,"endTime":244.439,"body":"And I think you would agree with me is"},{"speaker":"Sammy Warrayat","startTime":240.929,"endTime":244.439,"body":"if you could get your money in order"},{"speaker":"Sammy Warrayat","startTime":244.439,"endTime":247.349,"body":"first, that makes a lot of things easier."},{"speaker":"Sammy Warrayat","startTime":247.349,"endTime":248.909,"body":"It's not going to guarantee you happiness."},{"speaker":"Sammy Warrayat","startTime":248.909,"endTime":253.169,"body":"It's not going to make you without"},{"speaker":"Sammy Warrayat","startTime":248.909,"endTime":253.169,"body":"any problems in life, but you'll be"},{"speaker":"Sammy Warrayat","startTime":253.169,"endTime":255.389,"body":"able to handle a lot of stress better."},{"speaker":"Sammy Warrayat","startTime":255.389,"endTime":258.809,"body":"If you could just cut a check,"},{"speaker":"Sammy Warrayat","startTime":255.389,"endTime":258.809,"body":"Zell somebody or pay cash"},{"speaker":"Sammy Warrayat","startTime":258.809,"endTime":260.139,"body":"to get rid of the problem."},{"speaker":"Average Joe Finances","startTime":260.273,"endTime":261.143,"body":"Yeah, right on man."},{"speaker":"Average Joe Finances","startTime":261.173,"endTime":264.495,"body":"That's all awesome stuff and to"},{"speaker":"Average Joe Finances","startTime":261.173,"endTime":264.495,"body":"add onto your background there."},{"speaker":"Average Joe Finances","startTime":264.495,"endTime":267.915,"body":"I was taking some notes as you're you"},{"speaker":"Average Joe Finances","startTime":264.495,"endTime":267.915,"body":"were talking about the stuff there."},{"speaker":"Average Joe Finances","startTime":267.915,"endTime":270.015,"body":"So, you went in to your"},{"speaker":"Average Joe Finances","startTime":267.915,"endTime":270.015,"body":"career field, right?"},{"speaker":"Average Joe Finances","startTime":270.015,"endTime":274.665,"body":"You majored in computer science"},{"speaker":"Average Joe Finances","startTime":270.015,"endTime":274.665,"body":"because of how diverse it can"},{"speaker":"Average Joe Finances","startTime":274.665,"endTime":276.555,"body":"be in, in the corporate world."},{"speaker":"Average Joe Finances","startTime":276.605,"endTime":276.905,"body":"And."},{"speaker":"Average Joe Finances","startTime":277.405,"endTime":280.445,"body":"The question you asked yourself when"},{"speaker":"Average Joe Finances","startTime":277.405,"endTime":280.445,"body":"you got to your company is what am I"},{"speaker":"Average Joe Finances","startTime":280.445,"endTime":283.655,"body":"going to learn and what am I going to"},{"speaker":"Average Joe Finances","startTime":280.445,"endTime":283.655,"body":"earn that I had to write that down."},{"speaker":"Average Joe Finances","startTime":283.655,"endTime":284.675,"body":"That is absolutely amazing."},{"speaker":"Average Joe Finances","startTime":284.825,"endTime":288.815,"body":"You probably saw me on the camera here,"},{"speaker":"Average Joe Finances","startTime":284.825,"endTime":288.815,"body":"as you said that I just had this big"},{"speaker":"Average Joe Finances","startTime":288.815,"endTime":291.505,"body":"smile on my face and I was on mute."},{"speaker":"Average Joe Finances","startTime":291.505,"endTime":292.015,"body":"You didn't hear me?"},{"speaker":"Average Joe Finances","startTime":292.105,"endTime":293.275,"body":"I said, oh, that's really good."},{"speaker":"Average Joe Finances","startTime":293.515,"endTime":294.535,"body":"And I wrote that down."},{"speaker":"Average Joe Finances","startTime":294.591,"endTime":297.511,"body":"That's a question that anybody"},{"speaker":"Average Joe Finances","startTime":294.591,"endTime":297.511,"body":"should ask in any career field"},{"speaker":"Average Joe Finances","startTime":297.511,"endTime":298.321,"body":"that they're going to go into."},{"speaker":"Average Joe Finances","startTime":298.371,"endTime":301.131,"body":"Cause if you have that"},{"speaker":"Average Joe Finances","startTime":298.371,"endTime":301.131,"body":"kind of mindset, right?"},{"speaker":"Average Joe Finances","startTime":301.131,"endTime":302.461,"body":"The, what am I going to learn?"},{"speaker":"Average Joe Finances","startTime":302.461,"endTime":303.361,"body":"And what am I going to earn?"},{"speaker":"Average Joe Finances","startTime":303.661,"endTime":306.721,"body":"And I really liked that you said,"},{"speaker":"Average Joe Finances","startTime":303.661,"endTime":306.721,"body":"what am I going to learn first?"},{"speaker":"Average Joe Finances","startTime":306.781,"endTime":307.771,"body":"Not what am I going to earn?"},{"speaker":"Average Joe Finances","startTime":307.771,"endTime":308.611,"body":"And what am I going to learn you?"},{"speaker":"Average Joe Finances","startTime":308.611,"endTime":309.661,"body":"So what am I going to learn?"},{"speaker":"Average Joe Finances","startTime":309.661,"endTime":310.523,"body":"And what am I going to earn?"},{"speaker":"Average Joe Finances","startTime":310.573,"endTime":312.653,"body":"That's an ode to that education piece."},{"speaker":"Average Joe Finances","startTime":312.703,"endTime":316.183,"body":"And why it's important to learn as you go."},{"speaker":"Average Joe Finances","startTime":316.261,"endTime":318.661,"body":"One of the other things you said"},{"speaker":"Average Joe Finances","startTime":316.261,"endTime":318.661,"body":"too, being a fellow podcaster are"},{"speaker":"Average Joe Finances","startTime":318.661,"endTime":322.031,"body":"you understand that,  you feel oh,"},{"speaker":"Average Joe Finances","startTime":318.661,"endTime":322.031,"body":"Hey, this is better than the last one"},{"speaker":"Average Joe Finances","startTime":322.031,"endTime":325.051,"body":"because I learned this or because,"},{"speaker":"Average Joe Finances","startTime":322.031,"endTime":325.051,"body":"I, I talked to this guest and they"},{"speaker":"Average Joe Finances","startTime":325.051,"endTime":328.471,"body":"said this, and you learn so much"},{"speaker":"Average Joe Finances","startTime":325.051,"endTime":328.471,"body":"as you go through this process."},{"speaker":"Average Joe Finances","startTime":328.521,"endTime":329.841,"body":"So that's absolutely awesome."},{"speaker":"Average Joe Finances","startTime":329.841,"endTime":333.178,"body":"I just, I had to point that out"},{"speaker":"Average Joe Finances","startTime":329.841,"endTime":333.178,"body":"the other thing I wrote down is you"},{"speaker":"Average Joe Finances","startTime":333.178,"endTime":337.648,"body":"understood going into this career"},{"speaker":"Average Joe Finances","startTime":333.178,"endTime":337.648,"body":"field, that if you did this forever, you"},{"speaker":"Average Joe Finances","startTime":337.648,"endTime":339.208,"body":"would totally get yourself burnt out."},{"speaker":"Average Joe Finances","startTime":339.208,"endTime":343.168,"body":"And this was not a long-term"},{"speaker":"Average Joe Finances","startTime":339.208,"endTime":343.168,"body":"thing for you, but going into"},{"speaker":"Average Joe Finances","startTime":343.168,"endTime":345.118,"body":"a decently paying job right."},{"speaker":"Average Joe Finances","startTime":345.118,"endTime":345.748,"body":"Where you can actually."},{"speaker":"Average Joe Finances","startTime":346.448,"endTime":349.598,"body":"Build start building up some capital to"},{"speaker":"Average Joe Finances","startTime":346.448,"endTime":349.598,"body":"start doing something else with that."},{"speaker":"Average Joe Finances","startTime":349.648,"endTime":351.338,"body":"You told yourself, okay, Hey, what's next?"},{"speaker":"Average Joe Finances","startTime":351.338,"endTime":353.198,"body":"So you started doing side hustles, right?"},{"speaker":"Average Joe Finances","startTime":353.438,"endTime":355.958,"body":"Something that was more passion"},{"speaker":"Average Joe Finances","startTime":353.438,"endTime":355.958,"body":"driven is what you said."},{"speaker":"Average Joe Finances","startTime":356.008,"endTime":359.458,"body":"And, being able to do something that"},{"speaker":"Average Joe Finances","startTime":356.008,"endTime":359.458,"body":"you're passionate about, and I say"},{"speaker":"Average Joe Finances","startTime":359.458,"endTime":360.778,"body":"this on my show all the time, too."},{"speaker":"Average Joe Finances","startTime":360.778,"endTime":364.435,"body":"If you're doing something that you"},{"speaker":"Average Joe Finances","startTime":360.778,"endTime":364.435,"body":"really, really genuinely enjoy doing."},{"speaker":"Average Joe Finances","startTime":364.985,"endTime":366.575,"body":"Can you even really consider that work?"},{"speaker":"Average Joe Finances","startTime":366.601,"endTime":369.631,"body":"Because you sit here and it's something"},{"speaker":"Average Joe Finances","startTime":366.601,"endTime":369.631,"body":"you're just enjoying, like you're"},{"speaker":"Average Joe Finances","startTime":369.631,"endTime":373.801,"body":"spending your time doing something that"},{"speaker":"Average Joe Finances","startTime":369.631,"endTime":373.801,"body":"you enjoy and it's making you money."},{"speaker":"Average Joe Finances","startTime":374.221,"endTime":375.841,"body":"Like you can't beat that, right?"},{"speaker":"Average Joe Finances","startTime":376.021,"endTime":376.161,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":376.161,"endTime":378.581,"body":"Because yeah we are always"},{"speaker":"Average Joe Finances","startTime":376.161,"endTime":378.581,"body":"trading time for money."},{"speaker":"Average Joe Finances","startTime":378.791,"endTime":381.841,"body":"We trade time for money and"},{"speaker":"Average Joe Finances","startTime":378.791,"endTime":381.841,"body":"that's one of the biggest things."},{"speaker":"Average Joe Finances","startTime":381.841,"endTime":385.471,"body":"And if you're trading time and you're"},{"speaker":"Average Joe Finances","startTime":381.841,"endTime":385.471,"body":"not enjoying what you're doing, but"},{"speaker":"Average Joe Finances","startTime":385.471,"endTime":389.281,"body":"you're trading that time for money, man,"},{"speaker":"Average Joe Finances","startTime":385.471,"endTime":389.281,"body":"that can really be a drag sometimes."},{"speaker":"Average Joe Finances","startTime":389.281,"endTime":391.691,"body":"So I really appreciate"},{"speaker":"Average Joe Finances","startTime":389.281,"endTime":391.691,"body":"you pointing that out."},{"speaker":"Average Joe Finances","startTime":391.795,"endTime":391.985,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":392.005,"endTime":395.035,"body":"So I have a question I want to ask"},{"speaker":"Average Joe Finances","startTime":392.005,"endTime":395.035,"body":"you before I get into like some of the"},{"speaker":"Average Joe Finances","startTime":395.035,"endTime":397.735,"body":"stuff like the different categories"},{"speaker":"Average Joe Finances","startTime":395.035,"endTime":397.735,"body":"that we were going to discuss today."},{"speaker":"Average Joe Finances","startTime":397.76,"endTime":400.04,"body":"So it's more about you personally, Sammy."},{"speaker":"Average Joe Finances","startTime":400.04,"endTime":404.33,"body":"So what is it that you are doing"},{"speaker":"Average Joe Finances","startTime":400.04,"endTime":404.33,"body":"right now on your own journey"},{"speaker":"Average Joe Finances","startTime":404.66,"endTime":406.65,"body":"to, or in financial freedom?"},{"speaker":"Sammy Warrayat","startTime":406.747,"endTime":409.657,"body":"I'm really trying to"},{"speaker":"Sammy Warrayat","startTime":406.747,"endTime":409.657,"body":"focus down on my trading strategy."},{"speaker":"Sammy Warrayat","startTime":409.657,"endTime":414.457,"body":"So I know common knowledge and the"},{"speaker":"Sammy Warrayat","startTime":409.657,"endTime":414.457,"body":"majority, the vast majority 95, probably"},{"speaker":"Sammy Warrayat","startTime":414.457,"endTime":419.857,"body":"97% of the people in the world should just"},{"speaker":"Sammy Warrayat","startTime":414.457,"endTime":419.857,"body":"stick to ETFs and index funds and you're"},{"speaker":"Sammy Warrayat","startTime":419.857,"endTime":421.657,"body":"going to perform or outperform the market."},{"speaker":"Sammy Warrayat","startTime":422.437,"endTime":426.667,"body":"And the people who take the risks"},{"speaker":"Sammy Warrayat","startTime":422.437,"endTime":426.667,"body":"generally fail like time in the market"},{"speaker":"Sammy Warrayat","startTime":426.667,"endTime":428.197,"body":"is better than timing the market."},{"speaker":"Sammy Warrayat","startTime":428.597,"endTime":431.717,"body":"But there is people who have been"},{"speaker":"Sammy Warrayat","startTime":428.597,"endTime":431.717,"body":"able to do it, whether it be day"},{"speaker":"Sammy Warrayat","startTime":431.717,"endTime":434.717,"body":"trading or swing trading, and I've"},{"speaker":"Sammy Warrayat","startTime":431.717,"endTime":434.717,"body":"started to get into swing trading."},{"speaker":"Sammy Warrayat","startTime":434.717,"endTime":437.297,"body":"I think it's more of my risk profile."},{"speaker":"Sammy Warrayat","startTime":437.627,"endTime":440.897,"body":"I'm not comfortable throwing the"},{"speaker":"Sammy Warrayat","startTime":437.627,"endTime":440.897,"body":"amounts of money needed in a day"},{"speaker":"Sammy Warrayat","startTime":440.897,"endTime":444.707,"body":"trade or a weekly option to make the"},{"speaker":"Sammy Warrayat","startTime":440.897,"endTime":444.707,"body":"returns needed for it to be viable."},{"speaker":"Sammy Warrayat","startTime":444.707,"endTime":447.467,"body":"So I figured swing"},{"speaker":"Sammy Warrayat","startTime":444.707,"endTime":447.467,"body":"training is a thing for me."},{"speaker":"Sammy Warrayat","startTime":447.467,"endTime":448.517,"body":"I've dabbled in it."},{"speaker":"Sammy Warrayat","startTime":448.517,"endTime":448.867,"body":"I've gotten."},{"speaker":"Sammy Warrayat","startTime":449.402,"endTime":450.482,"body":"Decent at it."},{"speaker":"Sammy Warrayat","startTime":450.482,"endTime":451.832,"body":"I need to get a lot better."},{"speaker":"Sammy Warrayat","startTime":452.202,"endTime":455.382,"body":"But that's the big one for me"},{"speaker":"Sammy Warrayat","startTime":452.202,"endTime":455.382,"body":"because 50% of my portfolio I"},{"speaker":"Sammy Warrayat","startTime":455.382,"endTime":457.242,"body":"would say is long-term investing."},{"speaker":"Sammy Warrayat","startTime":457.542,"endTime":461.172,"body":"And then 40% is swing trading"},{"speaker":"Sammy Warrayat","startTime":457.542,"endTime":461.172,"body":"with 10% cash on hand."},{"speaker":"Sammy Warrayat","startTime":461.172,"endTime":465.012,"body":"Every time I need to make a move or"},{"speaker":"Sammy Warrayat","startTime":461.172,"endTime":465.012,"body":"anything, but narrowing down that"},{"speaker":"Sammy Warrayat","startTime":465.012,"endTime":468.972,"body":"strategy, figuring out how to follow"},{"speaker":"Sammy Warrayat","startTime":465.012,"endTime":468.972,"body":"that strategy is a lot of discipline"},{"speaker":"Sammy Warrayat","startTime":468.972,"endTime":474.362,"body":"and there's like a lot of emotions"},{"speaker":"Sammy Warrayat","startTime":468.972,"endTime":474.362,"body":"that go in to markets and timing."},{"speaker":"Sammy Warrayat","startTime":474.362,"endTime":477.622,"body":"And this past week has been"},{"speaker":"Sammy Warrayat","startTime":474.362,"endTime":477.622,"body":"terrible for a lot of people."},{"speaker":"Sammy Warrayat","startTime":477.638,"endTime":481.105,"body":"So you just got to kind of weather"},{"speaker":"Sammy Warrayat","startTime":477.638,"endTime":481.105,"body":"those storms and figure out what"},{"speaker":"Sammy Warrayat","startTime":481.105,"endTime":482.935,"body":"your plan is and follow that."},{"speaker":"Sammy Warrayat","startTime":482.935,"endTime":486.535,"body":"So figuring out how to continue to"},{"speaker":"Sammy Warrayat","startTime":482.935,"endTime":486.535,"body":"master that is really next on my journey."},{"speaker":"Average Joe Finances","startTime":486.68,"endTime":487.4,"body":"Yeah, right on."},{"speaker":"Average Joe Finances","startTime":487.45,"endTime":489.92,"body":"For our listeners here, if you"},{"speaker":"Average Joe Finances","startTime":487.45,"endTime":489.92,"body":"could, cause you had brought up"},{"speaker":"Average Joe Finances","startTime":489.92,"endTime":491.24,"body":"day trading and swing trading."},{"speaker":"Average Joe Finances","startTime":491.24,"endTime":494.06,"body":"Can you explain the difference"},{"speaker":"Average Joe Finances","startTime":491.24,"endTime":494.06,"body":"between somebody that's day trading"},{"speaker":"Average Joe Finances","startTime":494.09,"endTime":495.54,"body":"versus somebody that's swing trading."},{"speaker":"Sammy Warrayat","startTime":495.723,"endTime":496.043,"body":"Sure."},{"speaker":"Sammy Warrayat","startTime":496.283,"endTime":499.013,"body":"So day trading is normally"},{"speaker":"Sammy Warrayat","startTime":496.283,"endTime":499.013,"body":"defined as somebody who holds"},{"speaker":"Sammy Warrayat","startTime":499.013,"endTime":500.633,"body":"a position within a day."},{"speaker":"Sammy Warrayat","startTime":500.633,"endTime":502.793,"body":"Like they buy it and they"},{"speaker":"Sammy Warrayat","startTime":500.633,"endTime":502.793,"body":"sell the same position."},{"speaker":"Sammy Warrayat","startTime":502.793,"endTime":503.393,"body":"Same day."},{"speaker":"Sammy Warrayat","startTime":503.447,"endTime":507.317,"body":"And swing trading is normally"},{"speaker":"Sammy Warrayat","startTime":503.447,"endTime":507.317,"body":"like a week long, sometimes a"},{"speaker":"Sammy Warrayat","startTime":507.317,"endTime":508.937,"body":"month, three months, six months."},{"speaker":"Sammy Warrayat","startTime":508.937,"endTime":512.617,"body":"But normally in that half a"},{"speaker":"Sammy Warrayat","startTime":508.937,"endTime":512.617,"body":"year timeline there they've"},{"speaker":"Sammy Warrayat","startTime":512.947,"endTime":514.657,"body":"entered and exited that position."},{"speaker":"Sammy Warrayat","startTime":514.72,"endTime":518.05,"body":"I try to do that two weeks"},{"speaker":"Sammy Warrayat","startTime":514.72,"endTime":518.05,"body":"to three months timeline."},{"speaker":"Sammy Warrayat","startTime":518.05,"endTime":519.37,"body":"So I'm more of a swing trader."},{"speaker":"Sammy Warrayat","startTime":519.7,"endTime":520.3,"body":"It's just a lot of."},{"speaker":"Sammy Warrayat","startTime":521.545,"endTime":526.045,"body":"Pressure to bank on everything"},{"speaker":"Sammy Warrayat","startTime":521.545,"endTime":526.045,"body":"heading on the same day for me to be"},{"speaker":"Sammy Warrayat","startTime":526.045,"endTime":527.755,"body":"able to be a successful day trader."},{"speaker":"Average Joe Finances","startTime":528.131,"endTime":531.941,"body":"And with that"},{"speaker":"Average Joe Finances","startTime":528.131,"endTime":531.941,"body":"comes a lot of research and time into it."},{"speaker":"Average Joe Finances","startTime":531.941,"endTime":534.368,"body":"So if you're going to be doing the"},{"speaker":"Average Joe Finances","startTime":531.941,"endTime":534.368,"body":"day trading that you're sitting here"},{"speaker":"Average Joe Finances","startTime":534.368,"endTime":538.658,"body":"staring at charts all day and watching"},{"speaker":"Average Joe Finances","startTime":534.368,"endTime":538.658,"body":"the stock market, so you have to"},{"speaker":"Average Joe Finances","startTime":538.658,"endTime":540.608,"body":"be fully dedicated and invested in."},{"speaker":"Average Joe Finances","startTime":541.108,"endTime":542.128,"body":"In that moment."},{"speaker":"Average Joe Finances","startTime":542.518,"endTime":545.458,"body":"Whereas with swing trading, it's"},{"speaker":"Average Joe Finances","startTime":542.518,"endTime":545.458,"body":"more of a, Hey, you can see where"},{"speaker":"Average Joe Finances","startTime":545.458,"endTime":548.698,"body":"the trend is going and know like,,"},{"speaker":"Average Joe Finances","startTime":545.458,"endTime":548.698,"body":"maybe it's time to get out or,"},{"speaker":"Average Joe Finances","startTime":548.698,"endTime":550.708,"body":"Hey, right now this is on sale."},{"speaker":"Average Joe Finances","startTime":550.708,"endTime":551.488,"body":"Let me go get it."},{"speaker":"Average Joe Finances","startTime":551.528,"endTime":556.008,"body":"So that's a, for people that have day"},{"speaker":"Average Joe Finances","startTime":551.528,"endTime":556.008,"body":"jobs or anything else like that, and"},{"speaker":"Average Joe Finances","startTime":556.008,"endTime":559.218,"body":"you can't dedicate that time to be"},{"speaker":"Average Joe Finances","startTime":556.008,"endTime":559.218,"body":"a full-time day trader, maybe swing"},{"speaker":"Average Joe Finances","startTime":559.218,"endTime":560.478,"body":"trading is a better option for you."},{"speaker":"Average Joe Finances","startTime":560.478,"endTime":562.893,"body":"If if you research it enough and"},{"speaker":"Average Joe Finances","startTime":560.478,"endTime":562.893,"body":"understand what you're doing Me"},{"speaker":"Average Joe Finances","startTime":562.913,"endTime":565.756,"body":"myself personally, I don't do"},{"speaker":"Average Joe Finances","startTime":562.913,"endTime":565.756,"body":"a swing trading or day trading."},{"speaker":"Average Joe Finances","startTime":566.086,"endTime":569.106,"body":"I just, I feel like a,"},{"speaker":"Average Joe Finances","startTime":566.086,"endTime":569.106,"body":"that is not my forte."},{"speaker":"Average Joe Finances","startTime":569.206,"endTime":571.056,"body":"I tend to stick with real estate."},{"speaker":"Average Joe Finances","startTime":571.506,"endTime":572.719,"body":"But that, you know, that's just me."},{"speaker":"Average Joe Finances","startTime":572.769,"endTime":577.306,"body":"So that's why it's, it's really awesome to"},{"speaker":"Average Joe Finances","startTime":572.769,"endTime":577.306,"body":"have somebody on the show that  is, more"},{"speaker":"Average Joe Finances","startTime":577.306,"endTime":581.46,"body":"into swing trading but is also has the"},{"speaker":"Average Joe Finances","startTime":577.306,"endTime":581.46,"body":"same kind of goals that I have as well."},{"speaker":"Average Joe Finances","startTime":581.77,"endTime":585.01,"body":"So you're just using like a different"},{"speaker":"Average Joe Finances","startTime":581.77,"endTime":585.01,"body":"vehicle and a different way to get there."},{"speaker":"Average Joe Finances","startTime":585.2,"endTime":587.06,"body":"It's one of the things that"},{"speaker":"Average Joe Finances","startTime":585.2,"endTime":587.06,"body":"I talk about a lot too, that"},{"speaker":"Average Joe Finances","startTime":587.09,"endTime":588.29,"body":"there's so many different ways."},{"speaker":"Average Joe Finances","startTime":589.02,"endTime":591.45,"body":"To get yourself to financial independence."},{"speaker":"Average Joe Finances","startTime":591.63,"endTime":592.68,"body":"It doesn't have to be my way."},{"speaker":"Average Joe Finances","startTime":592.68,"endTime":593.97,"body":"It doesn't have to be Sammy's way."},{"speaker":"Average Joe Finances","startTime":594.18,"endTime":595.08,"body":"It could be your own way."},{"speaker":"Average Joe Finances","startTime":595.08,"endTime":596.88,"body":"You can come up with your own"},{"speaker":"Average Joe Finances","startTime":595.08,"endTime":596.88,"body":"strategy that works for you."},{"speaker":"Average Joe Finances","startTime":596.88,"endTime":597.93,"body":"It could be a mix of everything."},{"speaker":"Average Joe Finances","startTime":598.26,"endTime":599.82,"body":"I still invest in the stock market."},{"speaker":"Average Joe Finances","startTime":599.82,"endTime":604.17,"body":"I just, I'm more of a buy and hold kind of"},{"speaker":"Average Joe Finances","startTime":599.82,"endTime":604.17,"body":"guy, because for me, that's what I know,"},{"speaker":"Average Joe Finances","startTime":604.22,"endTime":608.3,"body":"and maybe one day, who knows, maybe when"},{"speaker":"Average Joe Finances","startTime":604.22,"endTime":608.3,"body":"I retire from my day job that I'll maybe"},{"speaker":"Average Joe Finances","startTime":608.3,"endTime":611.66,"body":"I'll do some day trading or swing trading"},{"speaker":"Average Joe Finances","startTime":608.3,"endTime":611.66,"body":"if I could dedicate the time to it."},{"speaker":"Average Joe Finances","startTime":612.03,"endTime":613.35,"body":"But yeah, I just think"},{"speaker":"Average Joe Finances","startTime":612.03,"endTime":613.35,"body":"that's awesome, man."},{"speaker":"Average Joe Finances","startTime":613.428,"endTime":615.168,"body":"Just to see where you're"},{"speaker":"Average Joe Finances","startTime":613.428,"endTime":615.168,"body":"going with your journey."},{"speaker":"Average Joe Finances","startTime":615.618,"endTime":617.838,"body":"And that was one of the things I"},{"speaker":"Average Joe Finances","startTime":615.618,"endTime":617.838,"body":"wanted to talk about today too."},{"speaker":"Average Joe Finances","startTime":617.888,"endTime":621.918,"body":"Speaking of, investing and trading"},{"speaker":"Average Joe Finances","startTime":617.888,"endTime":621.918,"body":"and all of that stuff, what is the"},{"speaker":"Average Joe Finances","startTime":621.918,"endTime":624.558,"body":"difference between investing and trading?"},{"speaker":"Sammy Warrayat","startTime":624.78,"endTime":626.88,"body":"I think it's the exact"},{"speaker":"Sammy Warrayat","startTime":624.78,"endTime":626.88,"body":"thing that you mentioned when you're"},{"speaker":"Sammy Warrayat","startTime":626.88,"endTime":628.59,"body":"investing, you're buying and holding."},{"speaker":"Sammy Warrayat","startTime":628.59,"endTime":633.09,"body":"You don't really care that this"},{"speaker":"Sammy Warrayat","startTime":628.59,"endTime":633.09,"body":"variant that just came out and COVID"},{"speaker":"Sammy Warrayat","startTime":633.12,"endTime":636.0,"body":"six months ago, by the time this"},{"speaker":"Sammy Warrayat","startTime":633.12,"endTime":636.0,"body":"episode gets released, probably, and"},{"speaker":"Sammy Warrayat","startTime":636.27,"endTime":640.694,"body":"it tanked the market 15% as a person"},{"speaker":"Sammy Warrayat","startTime":636.27,"endTime":640.694,"body":"who buys and holds, that's fine."},{"speaker":"Sammy Warrayat","startTime":640.709,"endTime":644.069,"body":"Every month you're going to dollar"},{"speaker":"Sammy Warrayat","startTime":640.709,"endTime":644.069,"body":"cost average, which means you're going"},{"speaker":"Sammy Warrayat","startTime":644.069,"endTime":645.449,"body":"to buy a certain amount of money."},{"speaker":"Sammy Warrayat","startTime":645.449,"endTime":647.609,"body":"Let's say a thousand"},{"speaker":"Sammy Warrayat","startTime":645.449,"endTime":647.609,"body":"dollars a month in a stock."},{"speaker":"Sammy Warrayat","startTime":647.999,"endTime":650.309,"body":"And next month we're going to buy"},{"speaker":"Sammy Warrayat","startTime":647.999,"endTime":650.309,"body":"a thousand dollars and you don't"},{"speaker":"Sammy Warrayat","startTime":650.309,"endTime":651.989,"body":"care what the price is over time."},{"speaker":"Sammy Warrayat","startTime":651.989,"endTime":654.749,"body":"It'll average out and you'll"},{"speaker":"Sammy Warrayat","startTime":651.989,"endTime":654.749,"body":"have a cost basis of X."},{"speaker":"Sammy Warrayat","startTime":655.284,"endTime":658.974,"body":"Whereas when you're swing trading"},{"speaker":"Sammy Warrayat","startTime":655.284,"endTime":658.974,"body":"or you're just trading in general,"},{"speaker":"Sammy Warrayat","startTime":659.274,"endTime":661.494,"body":"your cost basis is really important."},{"speaker":"Sammy Warrayat","startTime":661.494,"endTime":665.214,"body":"Your average price of each share,"},{"speaker":"Sammy Warrayat","startTime":661.494,"endTime":665.214,"body":"whether you dollar cost average in"},{"speaker":"Sammy Warrayat","startTime":665.214,"endTime":669.864,"body":"terms of many bumps in and stepping out"},{"speaker":"Sammy Warrayat","startTime":665.214,"endTime":669.864,"body":"of a trade, or it's just, you don't,"},{"speaker":"Sammy Warrayat","startTime":669.894,"endTime":671.994,"body":"that 15% would probably stop you out."},{"speaker":"Sammy Warrayat","startTime":672.154,"endTime":674.764,"body":"Most people have stop-losses"},{"speaker":"Sammy Warrayat","startTime":672.154,"endTime":674.764,"body":"or limit orders as soon as"},{"speaker":"Sammy Warrayat","startTime":674.764,"endTime":676.144,"body":"there's an alert that hits."},{"speaker":"Sammy Warrayat","startTime":676.564,"endTime":679.924,"body":"So it's those types of"},{"speaker":"Sammy Warrayat","startTime":676.564,"endTime":679.924,"body":"swings really matter."},{"speaker":"Sammy Warrayat","startTime":679.924,"endTime":683.674,"body":"And you're really focused on the short"},{"speaker":"Sammy Warrayat","startTime":679.924,"endTime":683.674,"body":"term and short term, like I said, it could"},{"speaker":"Sammy Warrayat","startTime":683.674,"endTime":689.844,"body":"be up to six months, but it's definitely"},{"speaker":"Sammy Warrayat","startTime":683.674,"endTime":689.844,"body":"a shorter focus than 20 years where in 20."},{"speaker":"Sammy Warrayat","startTime":690.534,"endTime":693.344,"body":"Unless you're holding like"},{"speaker":"Sammy Warrayat","startTime":690.534,"endTime":693.344,"body":"a specific individual stock."},{"speaker":"Sammy Warrayat","startTime":693.614,"endTime":696.434,"body":"If you're holding index funds for 20"},{"speaker":"Sammy Warrayat","startTime":693.614,"endTime":696.434,"body":"years, you're always going to be up."},{"speaker":"Sammy Warrayat","startTime":696.994,"endTime":701.464,"body":"No matter what happens, COVID happens"},{"speaker":"Sammy Warrayat","startTime":696.994,"endTime":701.464,"body":"the oh eight crash, the.com crash."},{"speaker":"Sammy Warrayat","startTime":701.854,"endTime":705.844,"body":"Oh, if you'd look back and zoom out,"},{"speaker":"Sammy Warrayat","startTime":701.854,"endTime":705.844,"body":"you'll always be up in a long-term."},{"speaker":"Sammy Warrayat","startTime":705.844,"endTime":710.374,"body":"So that's why it's the safest investment"},{"speaker":"Sammy Warrayat","startTime":705.844,"endTime":710.374,"body":"for a majority of people that either don't"},{"speaker":"Sammy Warrayat","startTime":710.374,"endTime":713.644,"body":"have the time don't have the emotional"},{"speaker":"Sammy Warrayat","startTime":710.374,"endTime":713.644,"body":"capability to do it because it's not"},{"speaker":"Sammy Warrayat","startTime":713.644,"endTime":715.574,"body":"really the charts are one thing, but."},{"speaker":"Sammy Warrayat","startTime":716.064,"endTime":719.004,"body":"When you just have a strategy"},{"speaker":"Sammy Warrayat","startTime":716.064,"endTime":719.004,"body":"and then it goes down against"},{"speaker":"Sammy Warrayat","startTime":719.004,"endTime":720.294,"body":"you, how do you react to that?"},{"speaker":"Sammy Warrayat","startTime":720.354,"endTime":724.584,"body":"Is the more important, like"},{"speaker":"Sammy Warrayat","startTime":720.354,"endTime":724.584,"body":"characteristic of a good trader."},{"speaker":"Average Joe Finances","startTime":724.776,"endTime":726.796,"body":"That's a key"},{"speaker":"Average Joe Finances","startTime":724.776,"endTime":726.796,"body":"thing is the reaction part, right?"},{"speaker":"Average Joe Finances","startTime":726.846,"endTime":729.486,"body":"And you had mentioned like, somebody"},{"speaker":"Average Joe Finances","startTime":726.846,"endTime":729.486,"body":"who's trading, like they have"},{"speaker":"Average Joe Finances","startTime":729.486,"endTime":730.986,"body":"their alerts set up and everything."},{"speaker":"Average Joe Finances","startTime":731.125,"endTime":735.045,"body":"I remember when I first started just"},{"speaker":"Average Joe Finances","startTime":731.125,"endTime":735.045,"body":"getting into the market, I'd set up alerts"},{"speaker":"Average Joe Finances","startTime":735.525,"endTime":737.805,"body":"and even being like a buy and hold guy."},{"speaker":"Average Joe Finances","startTime":737.835,"endTime":738.825,"body":"And then I would get these alerts."},{"speaker":"Average Joe Finances","startTime":738.825,"endTime":738.885,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":739.86,"endTime":741.54,"body":"I'd start questioning myself"},{"speaker":"Average Joe Finances","startTime":739.86,"endTime":741.54,"body":"like, oh, should I sell?"},{"speaker":"Average Joe Finances","startTime":741.59,"endTime":742.13,"body":"Should I buy?"},{"speaker":"Average Joe Finances","startTime":742.52,"endTime":744.95,"body":"And it's ah, I was like, no, I don't"},{"speaker":"Average Joe Finances","startTime":742.52,"endTime":744.95,"body":"have the time to focus on this."},{"speaker":"Average Joe Finances","startTime":744.95,"endTime":746.06,"body":"I gotta get back to doing what I'm doing."},{"speaker":"Average Joe Finances","startTime":746.42,"endTime":748.61,"body":"So like for me, like it just,"},{"speaker":"Average Joe Finances","startTime":746.42,"endTime":748.61,"body":"it wasn't gonna work for me."},{"speaker":"Average Joe Finances","startTime":748.61,"endTime":749.8,"body":"So I turned the alerts off."},{"speaker":"Average Joe Finances","startTime":749.92,"endTime":750.85,"body":"I can't do it."},{"speaker":"Average Joe Finances","startTime":750.85,"endTime":751.0,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":751.6,"endTime":751.99,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":753.115,"endTime":757.185,"body":"Before you got into the whole"},{"speaker":"Average Joe Finances","startTime":753.115,"endTime":757.185,"body":"swing trading and got yourself to"},{"speaker":"Average Joe Finances","startTime":757.185,"endTime":758.685,"body":"a point where you can get there."},{"speaker":"Average Joe Finances","startTime":759.055,"endTime":761.245,"body":"Let's talk about how you got there."},{"speaker":"Average Joe Finances","startTime":761.245,"endTime":761.482,"body":"Right?"},{"speaker":"Average Joe Finances","startTime":761.482,"endTime":764.812,"body":"You had to get yourself to a point where"},{"speaker":"Average Joe Finances","startTime":761.482,"endTime":764.812,"body":"you had the capital to invest, right?"},{"speaker":"Average Joe Finances","startTime":765.062,"endTime":769.082,"body":"So do you have any budgeting"},{"speaker":"Average Joe Finances","startTime":765.062,"endTime":769.082,"body":"tips for millennials?"},{"speaker":"Average Joe Finances","startTime":769.442,"endTime":770.462,"body":"Because I know that's your focus."},{"speaker":"Average Joe Finances","startTime":770.462,"endTime":771.722,"body":"That's where your podcast is about, right?"},{"speaker":"Average Joe Finances","startTime":771.752,"endTime":772.892,"body":"That's your focus group."},{"speaker":"Average Joe Finances","startTime":773.162,"endTime":775.362,"body":"So what would your budgeting"},{"speaker":"Average Joe Finances","startTime":773.162,"endTime":775.362,"body":"tips for millennials be?"},{"speaker":"Sammy Warrayat","startTime":775.992,"endTime":776.392,"body":"Yeah."},{"speaker":"Sammy Warrayat","startTime":776.392,"endTime":779.257,"body":"It's like the bread and butter, I"},{"speaker":"Sammy Warrayat","startTime":776.392,"endTime":779.257,"body":"think is the most important thing."},{"speaker":"Sammy Warrayat","startTime":779.287,"endTime":783.277,"body":"You can learn how to make great"},{"speaker":"Sammy Warrayat","startTime":779.287,"endTime":783.277,"body":"returns as a trader or great returns"},{"speaker":"Sammy Warrayat","startTime":783.277,"endTime":784.837,"body":"as a side hustle or a business."},{"speaker":"Sammy Warrayat","startTime":785.317,"endTime":788.257,"body":"But if you're spending a lot,"},{"speaker":"Sammy Warrayat","startTime":785.317,"endTime":788.257,"body":"then it doesn't really matter."},{"speaker":"Sammy Warrayat","startTime":788.257,"endTime":791.917,"body":"If you have a lot of stupid consumer"},{"speaker":"Sammy Warrayat","startTime":788.257,"endTime":791.917,"body":"debt, then you're going to be forcing"},{"speaker":"Sammy Warrayat","startTime":791.917,"endTime":794.857,"body":"yourself to make up a lot of money."},{"speaker":"Sammy Warrayat","startTime":794.887,"endTime":795.727,"body":"Just doing that."},{"speaker":"Sammy Warrayat","startTime":795.727,"endTime":798.697,"body":"So the first thing I"},{"speaker":"Sammy Warrayat","startTime":795.727,"endTime":798.697,"body":"did was I bought my car."},{"speaker":"Sammy Warrayat","startTime":798.727,"endTime":801.877,"body":"I paid off my car or I sold my"},{"speaker":"Sammy Warrayat","startTime":798.727,"endTime":801.877,"body":"car and I bought another car cash."},{"speaker":"Sammy Warrayat","startTime":802.237,"endTime":802.947,"body":"And then I, I."},{"speaker":"Sammy Warrayat","startTime":803.647,"endTime":805.897,"body":"I have two main tips that"},{"speaker":"Sammy Warrayat","startTime":803.647,"endTime":805.897,"body":"really helped me get there."},{"speaker":"Sammy Warrayat","startTime":805.947,"endTime":811.527,"body":"Build up a sum or a sinking fund that you"},{"speaker":"Sammy Warrayat","startTime":805.947,"endTime":811.527,"body":"can do something like that for 10, 12,000,"},{"speaker":"Sammy Warrayat","startTime":811.527,"endTime":814.197,"body":"$15,000, you would want to do something."},{"speaker":"Sammy Warrayat","startTime":814.197,"endTime":817.29,"body":"Like I created a list of all"},{"speaker":"Sammy Warrayat","startTime":814.197,"endTime":817.29,"body":"the groceries I ever wanted"},{"speaker":"Sammy Warrayat","startTime":817.29,"endTime":819.21,"body":"to shop in at week every week."},{"speaker":"Sammy Warrayat","startTime":819.21,"endTime":820.11,"body":"I just it's an ever."},{"speaker":"Sammy Warrayat","startTime":820.765,"endTime":822.235,"body":"Or a OneNote, whatever you want."},{"speaker":"Sammy Warrayat","startTime":822.335,"endTime":825.755,"body":"And you just continuously track"},{"speaker":"Sammy Warrayat","startTime":822.335,"endTime":825.755,"body":"everything that you want to buy."},{"speaker":"Sammy Warrayat","startTime":826.235,"endTime":829.595,"body":"And then when you go to the store,"},{"speaker":"Sammy Warrayat","startTime":826.235,"endTime":829.595,"body":"you only get that on the list."},{"speaker":"Sammy Warrayat","startTime":829.625,"endTime":834.662,"body":"It sounds extremely simple, but the"},{"speaker":"Sammy Warrayat","startTime":829.625,"endTime":834.662,"body":"problem with it is you see, you go when"},{"speaker":"Sammy Warrayat","startTime":834.662,"endTime":838.882,"body":"you're hungry, for example, or you go"},{"speaker":"Sammy Warrayat","startTime":834.662,"endTime":838.882,"body":"on a random day or you go on target."},{"speaker":"Sammy Warrayat","startTime":839.152,"endTime":842.992,"body":"When you forgot something on the"},{"speaker":"Sammy Warrayat","startTime":839.152,"endTime":842.992,"body":"list and you buy five other things."},{"speaker":"Sammy Warrayat","startTime":843.352,"endTime":847.252,"body":"And these impulse decisions really"},{"speaker":"Sammy Warrayat","startTime":843.352,"endTime":847.252,"body":"drain you over a long period of time."},{"speaker":"Sammy Warrayat","startTime":847.787,"endTime":852.467,"body":"And it's never the things that you really"},{"speaker":"Sammy Warrayat","startTime":847.787,"endTime":852.467,"body":"wanted in my experience, coaching people,"},{"speaker":"Sammy Warrayat","startTime":852.467,"endTime":854.207,"body":"or even my experience doing it myself."},{"speaker":"Sammy Warrayat","startTime":854.567,"endTime":857.957,"body":"I've noticed that if you could just"},{"speaker":"Sammy Warrayat","startTime":854.567,"endTime":857.957,"body":"limit your impulse decisions, remove"},{"speaker":"Sammy Warrayat","startTime":857.957,"endTime":861.617,"body":"that buyer's remorse and only focus"},{"speaker":"Sammy Warrayat","startTime":857.957,"endTime":861.617,"body":"on the things you really want to have."},{"speaker":"Sammy Warrayat","startTime":862.422,"endTime":865.842,"body":"You're going to live a more happy"},{"speaker":"Sammy Warrayat","startTime":862.422,"endTime":865.842,"body":"life anyway, and it will be cheaper."},{"speaker":"Sammy Warrayat","startTime":866.262,"endTime":869.172,"body":"So the first thing is"},{"speaker":"Sammy Warrayat","startTime":866.262,"endTime":869.172,"body":"definitely create a list."},{"speaker":"Sammy Warrayat","startTime":869.172,"endTime":874.212,"body":"And every week I only go shopping"},{"speaker":"Sammy Warrayat","startTime":869.172,"endTime":874.212,"body":"once and I do all my errands that"},{"speaker":"Sammy Warrayat","startTime":874.212,"endTime":877.062,"body":"day, and I only buy stuff on the list."},{"speaker":"Sammy Warrayat","startTime":877.062,"endTime":881.112,"body":"And that has helped remove like 70% of"},{"speaker":"Sammy Warrayat","startTime":877.062,"endTime":881.112,"body":"the impulse decisions that people make,"},{"speaker":"Sammy Warrayat","startTime":881.592,"endTime":883.332,"body":"which obviously really helps your budget."},{"speaker":"Sammy Warrayat","startTime":883.332,"endTime":886.902,"body":"I'm not going to say don't get that"},{"speaker":"Sammy Warrayat","startTime":883.332,"endTime":886.902,"body":"Starbucks and save that $5 here and there."},{"speaker":"Sammy Warrayat","startTime":886.912,"endTime":890.722,"body":"Yeah, those things are cool, but it's"},{"speaker":"Sammy Warrayat","startTime":886.912,"endTime":890.722,"body":"not going to break your bank as much as."},{"speaker":"Sammy Warrayat","startTime":891.152,"endTime":894.922,"body":"Let me just get these, this brand new"},{"speaker":"Sammy Warrayat","startTime":891.152,"endTime":894.922,"body":"shoes are brand new clothes and that"},{"speaker":"Sammy Warrayat","startTime":894.932,"endTime":896.312,"body":"gets a hundred to a hundred hundred."},{"speaker":"Sammy Warrayat","startTime":896.312,"endTime":897.522,"body":"And those stuff add up."},{"speaker":"Average Joe Finances","startTime":897.752,"endTime":898.562,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":898.652,"endTime":901.762,"body":"It don't mention though, bind that"},{"speaker":"Average Joe Finances","startTime":898.652,"endTime":901.762,"body":"extra Starbucks every now and then,"},{"speaker":"Average Joe Finances","startTime":901.762,"endTime":905.452,"body":"you'll have a Dave Ramsey looking"},{"speaker":"Average Joe Finances","startTime":901.762,"endTime":905.452,"body":"out from the bushes looking for you."},{"speaker":"Average Joe Finances","startTime":905.842,"endTime":910.282,"body":"So I just think that was a funny trend"},{"speaker":"Average Joe Finances","startTime":905.842,"endTime":910.282,"body":"that I saw on Tik TOK, not too long ago."},{"speaker":"Average Joe Finances","startTime":910.282,"endTime":913.912,"body":"It was like the millennial thinking"},{"speaker":"Average Joe Finances","startTime":910.282,"endTime":913.912,"body":"about going to get a cup of Starbucks."},{"speaker":"Average Joe Finances","startTime":914.447,"endTime":915.587,"body":"Dave Ramsey pops out."},{"speaker":"Average Joe Finances","startTime":915.587,"endTime":916.217,"body":"It's pretty funny."},{"speaker":"Average Joe Finances","startTime":916.697,"endTime":918.857,"body":"But anyway, no, no hating"},{"speaker":"Average Joe Finances","startTime":916.697,"endTime":918.857,"body":"on him or anything."},{"speaker":"Average Joe Finances","startTime":918.857,"endTime":920.087,"body":"Cause he's helped a lot of people out."},{"speaker":"Average Joe Finances","startTime":920.137,"endTime":922.297,"body":"But I think that's awesome,"},{"speaker":"Average Joe Finances","startTime":920.137,"endTime":922.297,"body":"man, because you said that you"},{"speaker":"Average Joe Finances","startTime":922.297,"endTime":923.377,"body":"built the list in Evernote."},{"speaker":"Average Joe Finances","startTime":923.377,"endTime":925.447,"body":"I use Evernote too, because"},{"speaker":"Average Joe Finances","startTime":923.377,"endTime":925.447,"body":"it's absolutely awesome."},{"speaker":"Average Joe Finances","startTime":925.447,"endTime":928.327,"body":"I can, if I put it in on my"},{"speaker":"Average Joe Finances","startTime":925.447,"endTime":928.327,"body":"phone, then it's also my iPad."},{"speaker":"Average Joe Finances","startTime":928.327,"endTime":929.587,"body":"I can pull it up on my laptop."},{"speaker":"Average Joe Finances","startTime":929.897,"endTime":932.127,"body":"I do a lot of stuff with"},{"speaker":"Average Joe Finances","startTime":929.897,"endTime":932.127,"body":"my podcast notes and stuff."},{"speaker":"Average Joe Finances","startTime":932.14,"endTime":935.02,"body":"If I'm at work and something comes up"},{"speaker":"Average Joe Finances","startTime":932.14,"endTime":935.02,"body":"and there's a topic, I want to put it"},{"speaker":"Average Joe Finances","startTime":935.02,"endTime":938.44,"body":"in, I'll log into Evernote and go put it"},{"speaker":"Average Joe Finances","startTime":935.02,"endTime":938.44,"body":"in so I can go pull it up at home later."},{"speaker":"Average Joe Finances","startTime":938.44,"endTime":940.27,"body":"It's not something I have"},{"speaker":"Average Joe Finances","startTime":938.44,"endTime":940.27,"body":"to email myself or anything."},{"speaker":"Average Joe Finances","startTime":940.27,"endTime":944.18,"body":"It's just one simple thing"},{"speaker":"Average Joe Finances","startTime":940.27,"endTime":944.18,"body":"between that and Trello boards."},{"speaker":"Average Joe Finances","startTime":944.18,"endTime":945.26,"body":"It's absolutely amazing."},{"speaker":"Average Joe Finances","startTime":945.74,"endTime":949.34,"body":"So yeah, so you built a list in Evernote"},{"speaker":"Average Joe Finances","startTime":945.74,"endTime":949.34,"body":"and what you did was like all the things"},{"speaker":"Average Joe Finances","startTime":949.34,"endTime":952.34,"body":"that you knew you had to get, that's"},{"speaker":"Average Joe Finances","startTime":949.34,"endTime":952.34,"body":"what you would put in there and then."},{"speaker":"Average Joe Finances","startTime":952.815,"endTime":954.465,"body":"You would just go get that."},{"speaker":"Average Joe Finances","startTime":954.465,"endTime":957.345,"body":"And I think one of the big"},{"speaker":"Average Joe Finances","startTime":954.465,"endTime":957.345,"body":"things here is discipline."},{"speaker":"Average Joe Finances","startTime":957.715,"endTime":959.245,"body":"You said, hey, this is what I'm going for."},{"speaker":"Average Joe Finances","startTime":959.245,"endTime":960.235,"body":"This is what I'm going to get."},{"speaker":"Average Joe Finances","startTime":960.805,"endTime":961.915,"body":"And that's it."},{"speaker":"Average Joe Finances","startTime":962.115,"endTime":964.935,"body":"Even if I forget to put something on"},{"speaker":"Average Joe Finances","startTime":962.115,"endTime":964.935,"body":"the list, I'm not going to go get."},{"speaker":"Average Joe Finances","startTime":965.905,"endTime":969.115,"body":"And one of the things you said too,"},{"speaker":"Average Joe Finances","startTime":965.905,"endTime":969.115,"body":"and it made me chuckle a bit is"},{"speaker":"Average Joe Finances","startTime":969.385,"endTime":970.945,"body":"don't go grocery shopping, hungry."},{"speaker":"Average Joe Finances","startTime":971.155,"endTime":972.355,"body":"It just don't do it."},{"speaker":"Average Joe Finances","startTime":972.355,"endTime":974.515,"body":"Cause you're going to wind up"},{"speaker":"Average Joe Finances","startTime":972.355,"endTime":974.515,"body":"buying all the crap you don't need."},{"speaker":"Average Joe Finances","startTime":974.599,"endTime":975.019,"body":"Trust me."},{"speaker":"Average Joe Finances","startTime":975.019,"endTime":976.369,"body":"That's why I don't go grocery shopping."},{"speaker":"Average Joe Finances","startTime":976.369,"endTime":977.269,"body":"Cause I'm always hungry."},{"speaker":"Average Joe Finances","startTime":977.509,"endTime":980.809,"body":"I always ask my wife to do that"},{"speaker":"Average Joe Finances","startTime":977.509,"endTime":980.809,"body":"because I'll well, and when she asked"},{"speaker":"Average Joe Finances","startTime":980.809,"endTime":982.939,"body":"me to go get something, she'll send"},{"speaker":"Average Joe Finances","startTime":980.809,"endTime":982.939,"body":"me like a list and she'd be like, oh,"},{"speaker":"Average Joe Finances","startTime":982.939,"endTime":984.049,"body":"Hey, can you pick up this and this."},{"speaker":"Average Joe Finances","startTime":984.049,"endTime":985.189,"body":"And I come back with three other things."},{"speaker":"Average Joe Finances","startTime":985.189,"endTime":985.969,"body":"She's what'd you do?"},{"speaker":"Average Joe Finances","startTime":986.539,"endTime":987.949,"body":"So it's like the end of the world."},{"speaker":"Average Joe Finances","startTime":988.519,"endTime":989.869,"body":"But yeah it's what happens, man."},{"speaker":"Average Joe Finances","startTime":989.919,"endTime":990.369,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":990.679,"endTime":994.609,"body":"So yeah by doing that, by disciplining"},{"speaker":"Average Joe Finances","startTime":990.679,"endTime":994.609,"body":"yourself, you're removing that that, that"},{"speaker":"Average Joe Finances","startTime":994.639,"endTime":996.799,"body":"impulse to buy things that you don't need."},{"speaker":"Average Joe Finances","startTime":997.219,"endTime":1000.239,"body":"And like you said like maybe a coffee"},{"speaker":"Average Joe Finances","startTime":997.219,"endTime":1000.239,"body":"here and there that might not be a big"},{"speaker":"Average Joe Finances","startTime":1000.269,"endTime":1003.569,"body":"deal, but the other things, like if"},{"speaker":"Average Joe Finances","startTime":1000.269,"endTime":1003.569,"body":"you go to target and then you go by"},{"speaker":"Average Joe Finances","startTime":1003.569,"endTime":1007.019,"body":"and pick up a pair of sneakers or some"},{"speaker":"Average Joe Finances","startTime":1003.569,"endTime":1007.019,"body":"type of electronics, something that you"},{"speaker":"Average Joe Finances","startTime":1007.019,"endTime":1011.699,"body":"didn't need, but you wanted, that's a,"},{"speaker":"Average Joe Finances","startTime":1007.019,"endTime":1011.699,"body":"another key thing too, is identifying"},{"speaker":"Average Joe Finances","startTime":1012.289,"endTime":1013.849,"body":"what's a need versus what's a want."},{"speaker":"Average Joe Finances","startTime":1014.189,"endTime":1015.329,"body":"So absolutely awesome."},{"speaker":"Average Joe Finances","startTime":1015.427,"endTime":1016.477,"body":"Going into this, right?"},{"speaker":"Average Joe Finances","startTime":1016.477,"endTime":1018.397,"body":"So that's the, those are some"},{"speaker":"Average Joe Finances","startTime":1016.477,"endTime":1018.397,"body":"things that worked for you."},{"speaker":"Average Joe Finances","startTime":1018.397,"endTime":1021.637,"body":"You sold your car, bought a car cash,"},{"speaker":"Average Joe Finances","startTime":1018.397,"endTime":1021.637,"body":"so you removed that car payment."},{"speaker":"Average Joe Finances","startTime":1022.097,"endTime":1024.517,"body":"I think another thing that's really"},{"speaker":"Average Joe Finances","startTime":1022.097,"endTime":1024.517,"body":"awesome about that too, is you're able"},{"speaker":"Average Joe Finances","startTime":1024.517,"endTime":1025.927,"body":"to lessen your insurance now right?"},{"speaker":"Average Joe Finances","startTime":1025.927,"endTime":1029.707,"body":"You don't know if the coverage you"},{"speaker":"Average Joe Finances","startTime":1025.927,"endTime":1029.707,"body":"can now get, just liability insurance."},{"speaker":"Sammy Warrayat","startTime":1029.917,"endTime":1032.377,"body":"I went from a"},{"speaker":"Sammy Warrayat","startTime":1029.917,"endTime":1032.377,"body":"nicer car, like a sports card."},{"speaker":"Sammy Warrayat","startTime":1032.377,"endTime":1036.807,"body":"So like an Altima, which is, pre"},{"speaker":"Sammy Warrayat","startTime":1032.377,"endTime":1036.807,"body":"regular gas instead of premium"},{"speaker":"Sammy Warrayat","startTime":1036.867,"endTime":1038.367,"body":"and it's way better mileage."},{"speaker":"Sammy Warrayat","startTime":1038.697,"endTime":1041.704,"body":"And to me like, I was tired of a"},{"speaker":"Sammy Warrayat","startTime":1038.697,"endTime":1041.704,"body":"coop because I couldn't fit anything."},{"speaker":"Sammy Warrayat","startTime":1041.704,"endTime":1044.764,"body":"Like I wanted to buy a TV, couldn't"},{"speaker":"Sammy Warrayat","startTime":1041.704,"endTime":1044.764,"body":"fit it in the infinity that I had."},{"speaker":"Sammy Warrayat","startTime":1044.764,"endTime":1046.144,"body":"Cause it was like a sports car."},{"speaker":"Sammy Warrayat","startTime":1046.534,"endTime":1049.594,"body":"So like that one decision to me were"},{"speaker":"Sammy Warrayat","startTime":1046.534,"endTime":1049.594,"body":"on the outside looking in and like,"},{"speaker":"Sammy Warrayat","startTime":1049.624,"endTime":1052.071,"body":"oh, well you had a really nice car"},{"speaker":"Sammy Warrayat","startTime":1049.624,"endTime":1052.071,"body":"and I just have an Altima,  but it"},{"speaker":"Sammy Warrayat","startTime":1052.071,"endTime":1059.096,"body":"saved about $750-$800 a month with"},{"speaker":"Sammy Warrayat","startTime":1052.071,"endTime":1059.096,"body":"the payment, the insurance and the gas"},{"speaker":"Sammy Warrayat","startTime":1059.156,"endTime":1063.296,"body":"combined like $800 over two, three years."},{"speaker":"Sammy Warrayat","startTime":1063.296,"endTime":1065.396,"body":"That's an extreme,"},{"speaker":"Sammy Warrayat","startTime":1063.296,"endTime":1065.396,"body":"that's 20 GS right there."},{"speaker":"Average Joe Finances","startTime":1065.751,"endTime":1066.351,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1066.531,"endTime":1071.281,"body":"And isn't infinity just like a hyped"},{"speaker":"Average Joe Finances","startTime":1066.531,"endTime":1071.281,"body":"up Altima or a hyped up Nissan anyway."},{"speaker":"Average Joe Finances","startTime":1071.428,"endTime":1075.408,"body":"It's funny I don't know if Altimas are"},{"speaker":"Average Joe Finances","startTime":1071.428,"endTime":1075.408,"body":"the go-to thing, but I've had two Altimas"},{"speaker":"Average Joe Finances","startTime":1075.428,"endTime":1077.028,"body":"that I've bought used in the past."},{"speaker":"Average Joe Finances","startTime":1077.338,"endTime":1081.208,"body":"Actually my last car that I had, I"},{"speaker":"Average Joe Finances","startTime":1077.338,"endTime":1081.208,"body":"have a Tesla now, but before that I"},{"speaker":"Average Joe Finances","startTime":1081.208,"endTime":1085.298,"body":"had an Altima, when I first moved out"},{"speaker":"Average Joe Finances","startTime":1081.208,"endTime":1085.298,"body":"here to Hawaii, I bought a used Altima"},{"speaker":"Average Joe Finances","startTime":1085.328,"endTime":1086.498,"body":"after we bought our house out here."},{"speaker":"Average Joe Finances","startTime":1086.938,"endTime":1087.988,"body":"Cause I didn't want to have car payments."},{"speaker":"Average Joe Finances","startTime":1087.988,"endTime":1091.378,"body":"And then my wife's car that's"},{"speaker":"Average Joe Finances","startTime":1087.988,"endTime":1091.378,"body":"been paid off for a couple of"},{"speaker":"Average Joe Finances","startTime":1091.378,"endTime":1092.818,"body":"years now, so we haven't had that."},{"speaker":"Average Joe Finances","startTime":1093.088,"endTime":1096.988,"body":"So I do now have my first car payment"},{"speaker":"Average Joe Finances","startTime":1093.088,"endTime":1096.988,"body":"for the first time in a long time."},{"speaker":"Average Joe Finances","startTime":1097.388,"endTime":1098.878,"body":"And that's with my Tesla."},{"speaker":"Average Joe Finances","startTime":1098.908,"endTime":1101.718,"body":"But before that, even before we"},{"speaker":"Average Joe Finances","startTime":1098.908,"endTime":1101.718,"body":"moved here when I lived in Virginia,"},{"speaker":"Average Joe Finances","startTime":1102.108,"endTime":1106.358,"body":"I had an Altima and then I sold"},{"speaker":"Average Joe Finances","startTime":1102.108,"endTime":1106.358,"body":"that and bought a F-150 cash."},{"speaker":"Average Joe Finances","startTime":1106.968,"endTime":1108.768,"body":"And then I sold that two years later."},{"speaker":"Average Joe Finances","startTime":1109.333,"endTime":1113.623,"body":"For 2000 more than I paid for it because"},{"speaker":"Average Joe Finances","startTime":1109.333,"endTime":1113.623,"body":"used trucks were went up in value."},{"speaker":"Average Joe Finances","startTime":1113.663,"endTime":1114.913,"body":"That was absolutely awesome."},{"speaker":"Average Joe Finances","startTime":1115.243,"endTime":1118.403,"body":"Best investment in a vehicle I've"},{"speaker":"Average Joe Finances","startTime":1115.243,"endTime":1118.403,"body":"ever made bought it for 7,000,"},{"speaker":"Average Joe Finances","startTime":1118.403,"endTime":1120.023,"body":"sold it two years later for 9,000."},{"speaker":"Average Joe Finances","startTime":1120.173,"endTime":1120.623,"body":"Love it."},{"speaker":"Average Joe Finances","startTime":1121.073,"endTime":1122.423,"body":"And it was a 2005 too."},{"speaker":"Average Joe Finances","startTime":1122.483,"endTime":1125.193,"body":"And it had it had 62,000 miles on it."},{"speaker":"Average Joe Finances","startTime":1125.193,"endTime":1127.313,"body":"It was like, Barely"},{"speaker":"Average Joe Finances","startTime":1125.193,"endTime":1127.313,"body":"used, which was awesome."},{"speaker":"Average Joe Finances","startTime":1127.733,"endTime":1129.993,"body":"And I like to kayak fish, it was perfect."},{"speaker":"Average Joe Finances","startTime":1129.993,"endTime":1133.463,"body":"So I had my truck to put the kayak and"},{"speaker":"Average Joe Finances","startTime":1129.993,"endTime":1133.463,"body":"it was very tough doing it on the Altima."},{"speaker":"Average Joe Finances","startTime":1134.013,"endTime":1138.093,"body":"But anyway, and the only reason why I even"},{"speaker":"Average Joe Finances","startTime":1134.013,"endTime":1138.093,"body":"took out a loan for the Tesla is because"},{"speaker":"Average Joe Finances","startTime":1138.093,"endTime":1140.193,"body":"the interest rate is ridiculously low."},{"speaker":"Average Joe Finances","startTime":1140.193,"endTime":1141.303,"body":"I'm paying like 2%."},{"speaker":"Average Joe Finances","startTime":1141.633,"endTime":1142.703,"body":"It's almost like free money."},{"speaker":"Average Joe Finances","startTime":1143.178,"endTime":1143.688,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1143.688,"endTime":1144.588,"body":"So I just want to touch on that."},{"speaker":"Average Joe Finances","startTime":1144.588,"endTime":1147.858,"body":"So yeah, I do have a car"},{"speaker":"Average Joe Finances","startTime":1144.588,"endTime":1147.858,"body":"payment, so don't yell at me."},{"speaker":"Average Joe Finances","startTime":1148.248,"endTime":1149.478,"body":"In our generation."},{"speaker":"Average Joe Finances","startTime":1149.528,"endTime":1150.578,"body":"Cause I'm also a millennial, right?"},{"speaker":"Average Joe Finances","startTime":1150.578,"endTime":1154.438,"body":"So in our generation we have this"},{"speaker":"Average Joe Finances","startTime":1150.578,"endTime":1154.438,"body":"need for this instant gratification."},{"speaker":"Average Joe Finances","startTime":1154.468,"endTime":1155.848,"body":"And I know I have it too."},{"speaker":"Average Joe Finances","startTime":1155.848,"endTime":1158.278,"body":"Like it's for me, I understand."},{"speaker":"Average Joe Finances","startTime":1158.278,"endTime":1159.118,"body":"Like I'm a spender."},{"speaker":"Average Joe Finances","startTime":1159.118,"endTime":1159.928,"body":"My wife's a saver."},{"speaker":"Average Joe Finances","startTime":1159.928,"endTime":1160.738,"body":"I'm a spender."},{"speaker":"Average Joe Finances","startTime":1161.078,"endTime":1164.268,"body":"So I've had to change my mindset"},{"speaker":"Average Joe Finances","startTime":1161.078,"endTime":1164.268,"body":"on what I spend my money on."},{"speaker":"Average Joe Finances","startTime":1164.268,"endTime":1167.798,"body":"It's not so much the, I have"},{"speaker":"Average Joe Finances","startTime":1164.268,"endTime":1167.798,"body":"to go get, this because."},{"speaker":"Average Joe Finances","startTime":1168.508,"endTime":1171.268,"body":"What I want and it's going to"},{"speaker":"Average Joe Finances","startTime":1168.508,"endTime":1171.268,"body":"gratify me instantly right now."},{"speaker":"Average Joe Finances","startTime":1171.268,"endTime":1174.538,"body":"It's more okay, I want to spend my"},{"speaker":"Average Joe Finances","startTime":1171.268,"endTime":1174.538,"body":"money on an investment, or I want"},{"speaker":"Average Joe Finances","startTime":1174.538,"endTime":1178.418,"body":"to buy an asset that will generate"},{"speaker":"Average Joe Finances","startTime":1174.538,"endTime":1178.418,"body":"the cashflow to buy this thing."},{"speaker":"Average Joe Finances","startTime":1178.468,"endTime":1180.658,"body":"So I've changed my mindset on that."},{"speaker":"Average Joe Finances","startTime":1180.658,"endTime":1181.678,"body":"I'm still a spender though."},{"speaker":"Average Joe Finances","startTime":1181.678,"endTime":1186.148,"body":"So why is it important to,"},{"speaker":"Average Joe Finances","startTime":1181.678,"endTime":1186.148,"body":"especially living in today's world"},{"speaker":"Average Joe Finances","startTime":1186.478,"endTime":1190.258,"body":"to have your finances in order"},{"speaker":"Average Joe Finances","startTime":1186.478,"endTime":1190.258,"body":"with this instant gratification"},{"speaker":"Average Joe Finances","startTime":1190.258,"endTime":1191.688,"body":"society that we live in today?"},{"speaker":"Sammy Warrayat","startTime":1191.918,"endTime":1195.168,"body":"I think it's because"},{"speaker":"Sammy Warrayat","startTime":1191.918,"endTime":1195.168,"body":"there's so many things pulling at you."},{"speaker":"Sammy Warrayat","startTime":1195.588,"endTime":1198.488,"body":"Like not only is, if you're a"},{"speaker":"Sammy Warrayat","startTime":1195.588,"endTime":1198.488,"body":"conspiracy theorist or whatever,"},{"speaker":"Sammy Warrayat","startTime":1198.488,"endTime":1199.748,"body":"like NSA's always listening to you."},{"speaker":"Sammy Warrayat","startTime":1199.748,"endTime":1202.358,"body":"You mentioned something all of a"},{"speaker":"Sammy Warrayat","startTime":1199.748,"endTime":1202.358,"body":"sudden you're scrolling Instagram,"},{"speaker":"Sammy Warrayat","startTime":1202.358,"endTime":1207.098,"body":"that ad for that companies in your"},{"speaker":"Sammy Warrayat","startTime":1202.358,"endTime":1207.098,"body":"feed, like everybody is positioning"},{"speaker":"Sammy Warrayat","startTime":1207.578,"endTime":1209.228,"body":"to make you buy something."},{"speaker":"Sammy Warrayat","startTime":1210.398,"endTime":1214.238,"body":"If you let your impulses go, or you"},{"speaker":"Sammy Warrayat","startTime":1210.398,"endTime":1214.238,"body":"say, oh, I need that immediately."},{"speaker":"Sammy Warrayat","startTime":1214.658,"endTime":1216.578,"body":"You're just going to be given"},{"speaker":"Sammy Warrayat","startTime":1214.658,"endTime":1216.578,"body":"out money left and right."},{"speaker":"Sammy Warrayat","startTime":1216.578,"endTime":1218.228,"body":"And it'd be like a death"},{"speaker":"Sammy Warrayat","startTime":1216.578,"endTime":1218.228,"body":"by a thousand cuts."},{"speaker":"Sammy Warrayat","startTime":1218.228,"endTime":1222.468,"body":"You'll never be able to get your head out"},{"speaker":"Sammy Warrayat","startTime":1218.228,"endTime":1222.468,"body":"of the bushes and you'll live paycheck"},{"speaker":"Sammy Warrayat","startTime":1222.468,"endTime":1224.178,"body":"to paycheck for a long period of time."},{"speaker":"Sammy Warrayat","startTime":1224.178,"endTime":1228.028,"body":"Like even a lot of big myths is you"},{"speaker":"Sammy Warrayat","startTime":1224.178,"endTime":1228.028,"body":"have to be a high income earner for you."},{"speaker":"Sammy Warrayat","startTime":1228.598,"endTime":1230.098,"body":"To be living like that."},{"speaker":"Sammy Warrayat","startTime":1230.098,"endTime":1235.438,"body":"But even people who live 50 who make 50"},{"speaker":"Sammy Warrayat","startTime":1230.098,"endTime":1235.438,"body":"to a hundred thousand in the us still"},{"speaker":"Sammy Warrayat","startTime":1235.438,"endTime":1237.268,"body":"live paycheck to paycheck, 70% of them."},{"speaker":"Sammy Warrayat","startTime":1237.268,"endTime":1241.468,"body":"So it's not like you can out earn"},{"speaker":"Sammy Warrayat","startTime":1237.268,"endTime":1241.468,"body":"that and to credit Dave Ramsey,"},{"speaker":"Sammy Warrayat","startTime":1241.468,"endTime":1242.848,"body":"like he can't earn your stupidity."},{"speaker":"Sammy Warrayat","startTime":1242.848,"endTime":1243.808,"body":"He's actually right there."},{"speaker":"Sammy Warrayat","startTime":1243.808,"endTime":1247.468,"body":"If you're not intentional with where"},{"speaker":"Sammy Warrayat","startTime":1243.808,"endTime":1247.468,"body":"you're going with your money, then"},{"speaker":"Sammy Warrayat","startTime":1247.718,"endTime":1250.178,"body":"you'll fall into a lot of these impulses."},{"speaker":"Sammy Warrayat","startTime":1250.178,"endTime":1252.953,"body":"So for me, Figure out what you"},{"speaker":"Sammy Warrayat","startTime":1250.178,"endTime":1252.953,"body":"want to spend your money on"},{"speaker":"Sammy Warrayat","startTime":1253.133,"endTime":1254.393,"body":"for me like, I love traveling."},{"speaker":"Sammy Warrayat","startTime":1254.733,"endTime":1256.593,"body":"You seem like you'd like to spend"},{"speaker":"Sammy Warrayat","startTime":1254.733,"endTime":1256.593,"body":"it on a bunch of different things."},{"speaker":"Sammy Warrayat","startTime":1256.593,"endTime":1257.133,"body":"That's just fine."},{"speaker":"Sammy Warrayat","startTime":1257.133,"endTime":1261.933,"body":"As long as you know what they are and you"},{"speaker":"Sammy Warrayat","startTime":1257.133,"endTime":1261.933,"body":"spend on only them, because I think the"},{"speaker":"Sammy Warrayat","startTime":1261.933,"endTime":1266.313,"body":"problem with budgeting and the problem"},{"speaker":"Sammy Warrayat","startTime":1261.933,"endTime":1266.313,"body":"with what everybody has that bad kind"},{"speaker":"Sammy Warrayat","startTime":1266.313,"endTime":1268.713,"body":"of connotation of it is they restrict."},{"speaker":"Sammy Warrayat","startTime":1269.348,"endTime":1273.578,"body":"Only on the things they truly"},{"speaker":"Sammy Warrayat","startTime":1269.348,"endTime":1273.578,"body":"like, and then they go super harsh"},{"speaker":"Sammy Warrayat","startTime":1273.698,"endTime":1277.368,"body":"and then they end up crashing and"},{"speaker":"Sammy Warrayat","startTime":1273.698,"endTime":1277.368,"body":"relapsing similar to a diet okay."},{"speaker":"Sammy Warrayat","startTime":1277.368,"endTime":1279.888,"body":"You like tacos and that's the"},{"speaker":"Sammy Warrayat","startTime":1277.368,"endTime":1279.888,"body":"first thing you'd cut in a diet."},{"speaker":"Sammy Warrayat","startTime":1279.888,"endTime":1283.578,"body":"It's not really going to work because"},{"speaker":"Sammy Warrayat","startTime":1279.888,"endTime":1283.578,"body":"you need it to be a longterm lifestyle."},{"speaker":"Sammy Warrayat","startTime":1283.578,"endTime":1284.598,"body":"That'll stay forever."},{"speaker":"Sammy Warrayat","startTime":1285.578,"endTime":1289.708,"body":"As corny as that sounds, it's really the"},{"speaker":"Sammy Warrayat","startTime":1285.578,"endTime":1289.708,"body":"only way to make a long lasting change."},{"speaker":"Sammy Warrayat","startTime":1289.708,"endTime":1293.548,"body":"And the only way the discipline will help"},{"speaker":"Sammy Warrayat","startTime":1289.708,"endTime":1293.548,"body":"you, because otherwise you're just relying"},{"speaker":"Sammy Warrayat","startTime":1293.548,"endTime":1296.398,"body":"on motivation and passion to carry you."},{"speaker":"Sammy Warrayat","startTime":1296.398,"endTime":1300.387,"body":"So for me, like I create a sinking"},{"speaker":"Sammy Warrayat","startTime":1296.398,"endTime":1300.387,"body":"fund so I can travel every month."},{"speaker":"Sammy Warrayat","startTime":1300.427,"endTime":1303.337,"body":"Or I go like for like three"},{"speaker":"Sammy Warrayat","startTime":1300.427,"endTime":1303.337,"body":"weeks, every two months."},{"speaker":"Sammy Warrayat","startTime":1303.337,"endTime":1308.587,"body":"So it depends on where my plan is, but I"},{"speaker":"Sammy Warrayat","startTime":1303.337,"endTime":1308.587,"body":"always make sure that I'm saving a certain"},{"speaker":"Sammy Warrayat","startTime":1308.587,"endTime":1310.117,"body":"amount of money so that I can travel."},{"speaker":"Sammy Warrayat","startTime":1310.507,"endTime":1316.167,"body":"And when I go to any place"},{"speaker":"Sammy Warrayat","startTime":1310.507,"endTime":1316.167,"body":"and I see a potential target."},{"speaker":"Sammy Warrayat","startTime":1316.327,"endTime":1319.222,"body":"Of somebody who like, okay,"},{"speaker":"Sammy Warrayat","startTime":1316.327,"endTime":1319.222,"body":"I really want that right now."},{"speaker":"Sammy Warrayat","startTime":1319.222,"endTime":1321.352,"body":"That instant gratification"},{"speaker":"Sammy Warrayat","startTime":1319.222,"endTime":1321.352,"body":"that impulse hits me."},{"speaker":"Sammy Warrayat","startTime":1321.802,"endTime":1325.702,"body":"I look back, I just take a one, one"},{"speaker":"Sammy Warrayat","startTime":1321.802,"endTime":1325.702,"body":"step back and I just pause for like"},{"speaker":"Sammy Warrayat","startTime":1325.725,"endTime":1328.785,"body":"five seconds and be like, is this"},{"speaker":"Sammy Warrayat","startTime":1325.725,"endTime":1328.785,"body":"more important than me traveling"},{"speaker":"Sammy Warrayat","startTime":1328.785,"endTime":1333.225,"body":"to wherever my next place I want"},{"speaker":"Sammy Warrayat","startTime":1328.785,"endTime":1333.225,"body":"to go to is nine times out of 10."},{"speaker":"Sammy Warrayat","startTime":1333.225,"endTime":1335.565,"body":"That answer is always going"},{"speaker":"Sammy Warrayat","startTime":1333.225,"endTime":1335.565,"body":"to be no, I'd rather go to the"},{"speaker":"Sammy Warrayat","startTime":1335.565,"endTime":1336.705,"body":"place that I've been planning."},{"speaker":"Sammy Warrayat","startTime":1337.095,"endTime":1341.005,"body":"So I say no to the instant gratification,"},{"speaker":"Sammy Warrayat","startTime":1337.095,"endTime":1341.005,"body":"that impulse that I would need"},{"speaker":"Sammy Warrayat","startTime":1341.005,"endTime":1343.075,"body":"something right now, quote, unquote."},{"speaker":"Sammy Warrayat","startTime":1343.083,"endTime":1344.193,"body":"That's how I stop it."},{"speaker":"Sammy Warrayat","startTime":1344.253,"endTime":1347.793,"body":"And if you have to pause five"},{"speaker":"Sammy Warrayat","startTime":1344.253,"endTime":1347.793,"body":"seconds because emotionally your mind"},{"speaker":"Sammy Warrayat","startTime":1347.793,"endTime":1349.533,"body":"processes at faster than you can."},{"speaker":"Sammy Warrayat","startTime":1349.983,"endTime":1353.757,"body":"So you have to kind of pause,"},{"speaker":"Sammy Warrayat","startTime":1349.983,"endTime":1353.757,"body":"take a mini step back and then"},{"speaker":"Sammy Warrayat","startTime":1353.757,"endTime":1355.077,"body":"ask yourself that question."},{"speaker":"Sammy Warrayat","startTime":1355.167,"endTime":1358.047,"body":"Is this more important than"},{"speaker":"Sammy Warrayat","startTime":1355.167,"endTime":1358.047,"body":"my number one priority?"},{"speaker":"Sammy Warrayat","startTime":1358.707,"endTime":1362.207,"body":"And if you've chosen the right"},{"speaker":"Sammy Warrayat","startTime":1358.707,"endTime":1362.207,"body":"number one priority, then most"},{"speaker":"Sammy Warrayat","startTime":1362.207,"endTime":1363.347,"body":"times that won't be the case."},{"speaker":"Average Joe Finances","startTime":1363.657,"endTime":1364.317,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":1364.367,"endTime":1367.247,"body":"And if you asked yourself that"},{"speaker":"Average Joe Finances","startTime":1364.367,"endTime":1367.247,"body":"question and you realize it's"},{"speaker":"Average Joe Finances","startTime":1367.247,"endTime":1370.337,"body":"going to set you back, then maybe"},{"speaker":"Average Joe Finances","startTime":1367.247,"endTime":1370.337,"body":"it's something you shouldn't do."},{"speaker":"Average Joe Finances","startTime":1370.497,"endTime":1371.487,"body":"You have your."},{"speaker":"Average Joe Finances","startTime":1371.643,"endTime":1373.323,"body":"You know your goal with"},{"speaker":"Average Joe Finances","startTime":1371.643,"endTime":1373.323,"body":"what you want to do."},{"speaker":"Average Joe Finances","startTime":1373.323,"endTime":1374.313,"body":"Hey, I want to travel."},{"speaker":"Average Joe Finances","startTime":1374.593,"endTime":1376.363,"body":"Let's say I want to go"},{"speaker":"Average Joe Finances","startTime":1374.593,"endTime":1376.363,"body":"to Italy next month."},{"speaker":"Average Joe Finances","startTime":1376.633,"endTime":1379.743,"body":"But if I go get the new iPhone"},{"speaker":"Average Joe Finances","startTime":1376.633,"endTime":1379.743,"body":"that came out because of this down"},{"speaker":"Average Joe Finances","startTime":1379.743,"endTime":1382.563,"body":"payment I have to put on it, I"},{"speaker":"Average Joe Finances","startTime":1379.743,"endTime":1382.563,"body":"might not be able to afford to go to"},{"speaker":"Average Joe Finances","startTime":1382.563,"endTime":1384.073,"body":"Italy with the budget that I have."},{"speaker":"Average Joe Finances","startTime":1384.553,"endTime":1387.943,"body":"So now, you're putting yourself in a"},{"speaker":"Average Joe Finances","startTime":1384.553,"endTime":1387.943,"body":"predicament where, you know, oh, you"},{"speaker":"Average Joe Finances","startTime":1387.943,"endTime":1390.803,"body":"can get that instant gratification,"},{"speaker":"Average Joe Finances","startTime":1387.943,"endTime":1390.803,"body":"get that phone that you really wanted."},{"speaker":"Average Joe Finances","startTime":1391.408,"endTime":1395.258,"body":"Or you can say, this other one that"},{"speaker":"Average Joe Finances","startTime":1391.408,"endTime":1395.258,"body":"lasts a little bit longer and I"},{"speaker":"Average Joe Finances","startTime":1395.258,"endTime":1398.528,"body":"could still go there and still do"},{"speaker":"Average Joe Finances","startTime":1395.258,"endTime":1398.528,"body":"what it was that I wanted to do."},{"speaker":"Average Joe Finances","startTime":1398.858,"endTime":1401.438,"body":"And there was another thing that you"},{"speaker":"Average Joe Finances","startTime":1398.858,"endTime":1401.438,"body":"said too, that I, and I wrote this down"},{"speaker":"Average Joe Finances","startTime":1401.438,"endTime":1406.988,"body":"because it's absolutely important that"},{"speaker":"Average Joe Finances","startTime":1401.438,"endTime":1406.988,"body":"you are intentional with your money."},{"speaker":"Average Joe Finances","startTime":1406.988,"endTime":1408.878,"body":"Like you said, you have"},{"speaker":"Average Joe Finances","startTime":1406.988,"endTime":1408.878,"body":"to be intentional with it."},{"speaker":"Average Joe Finances","startTime":1408.928,"endTime":1412.078,"body":"People are living paycheck to paycheck,"},{"speaker":"Average Joe Finances","startTime":1408.928,"endTime":1412.078,"body":"and they live paycheck to paycheck because"},{"speaker":"Average Joe Finances","startTime":1412.078,"endTime":1413.608,"body":"they're not intentional with their money."},{"speaker":"Average Joe Finances","startTime":1413.658,"endTime":1414.708,"body":"They're not thinking about it."},{"speaker":"Average Joe Finances","startTime":1414.708,"endTime":1416.628,"body":"They're just, okay, I'm going to pay"},{"speaker":"Average Joe Finances","startTime":1414.708,"endTime":1416.628,"body":"my bills and I'm going to go do this."},{"speaker":"Average Joe Finances","startTime":1416.628,"endTime":1417.258,"body":"I'm going to do that."},{"speaker":"Average Joe Finances","startTime":1417.353,"endTime":1418.373,"body":"They're not budgeting."},{"speaker":"Average Joe Finances","startTime":1418.373,"endTime":1420.17,"body":"Like you said, too,"},{"speaker":"Average Joe Finances","startTime":1418.373,"endTime":1420.17,"body":"you have sinking funds."},{"speaker":"Average Joe Finances","startTime":1420.17,"endTime":1421.4,"body":"This that's also something I do."},{"speaker":"Average Joe Finances","startTime":1421.4,"endTime":1422.15,"body":"I have seeking funds."},{"speaker":"Average Joe Finances","startTime":1422.15,"endTime":1425.69,"body":"I have, I think, seven to nine or"},{"speaker":"Average Joe Finances","startTime":1422.15,"endTime":1425.69,"body":"whatever, like different accounts"},{"speaker":"Average Joe Finances","startTime":1425.69,"endTime":1428.81,"body":"right now that every time I get"},{"speaker":"Average Joe Finances","startTime":1425.69,"endTime":1428.81,"body":"paid, my paycheck gets split"},{"speaker":"Average Joe Finances","startTime":1428.81,"endTime":1429.77,"body":"into these different accounts."},{"speaker":"Average Joe Finances","startTime":1429.79,"endTime":1433.64,"body":"So what I do is I pay myself first, so"},{"speaker":"Average Joe Finances","startTime":1429.79,"endTime":1433.64,"body":"I pay into my investment accounts first."},{"speaker":"Average Joe Finances","startTime":1433.739,"endTime":1436.897,"body":"Then after that, we put the money"},{"speaker":"Average Joe Finances","startTime":1433.739,"endTime":1436.897,"body":"into the different sinking funds."},{"speaker":"Average Joe Finances","startTime":1437.147,"endTime":1440.027,"body":"We're diving into one of our sinking"},{"speaker":"Average Joe Finances","startTime":1437.147,"endTime":1440.027,"body":"funds right now because it's the holiday."},{"speaker":"Average Joe Finances","startTime":1440.057,"endTime":1443.287,"body":"So we have a holiday and birthday"},{"speaker":"Average Joe Finances","startTime":1440.057,"endTime":1443.287,"body":"fund, we know how much we're going"},{"speaker":"Average Joe Finances","startTime":1443.287,"endTime":1444.997,"body":"to spend on everybody every year."},{"speaker":"Average Joe Finances","startTime":1445.327,"endTime":1448.884,"body":"So we put a specific set amount in"},{"speaker":"Average Joe Finances","startTime":1445.327,"endTime":1448.884,"body":"there each month because we know how"},{"speaker":"Average Joe Finances","startTime":1448.884,"endTime":1450.58,"body":"much we need to spend for the holidays."},{"speaker":"Average Joe Finances","startTime":1451.48,"endTime":1453.46,"body":"And for each birthday"},{"speaker":"Average Joe Finances","startTime":1451.48,"endTime":1453.46,"body":"and things like that."},{"speaker":"Average Joe Finances","startTime":1453.468,"endTime":1454.248,"body":"We have pets, right?"},{"speaker":"Average Joe Finances","startTime":1454.248,"endTime":1458.188,"body":"We have a dog and a cat, so we have"},{"speaker":"Average Joe Finances","startTime":1454.248,"endTime":1458.188,"body":"a vet sinking fund, or a pet one,"},{"speaker":"Average Joe Finances","startTime":1458.238,"endTime":1459.848,"body":"we call it the vet and pet fund."},{"speaker":"Average Joe Finances","startTime":1460.368,"endTime":1463.288,"body":"And that's how we buy the dog food,"},{"speaker":"Average Joe Finances","startTime":1460.368,"endTime":1463.288,"body":"cat food and all that other stuff."},{"speaker":"Average Joe Finances","startTime":1463.528,"endTime":1465.658,"body":"So I think stuff like"},{"speaker":"Average Joe Finances","startTime":1463.528,"endTime":1465.658,"body":"that is super important."},{"speaker":"Average Joe Finances","startTime":1465.658,"endTime":1469.078,"body":"Then after we pay ourselves and"},{"speaker":"Average Joe Finances","startTime":1465.658,"endTime":1469.078,"body":"pay our sinking funds, then we pay"},{"speaker":"Average Joe Finances","startTime":1469.078,"endTime":1470.368,"body":"our bills with what's left over."},{"speaker":"Average Joe Finances","startTime":1470.368,"endTime":1470.878,"body":"And guess what?"},{"speaker":"Average Joe Finances","startTime":1470.878,"endTime":1473.668,"body":"After we pay all our bills, there's"},{"speaker":"Average Joe Finances","startTime":1470.878,"endTime":1473.668,"body":"still money left over that goes"},{"speaker":"Average Joe Finances","startTime":1473.668,"endTime":1475.048,"body":"into savings, or it gets invested."},{"speaker":"Average Joe Finances","startTime":1475.135,"endTime":1477.265,"body":"Stuff like that is super important."},{"speaker":"Average Joe Finances","startTime":1477.475,"endTime":1480.205,"body":"And I just wanted to touch on that a"},{"speaker":"Average Joe Finances","startTime":1477.475,"endTime":1480.205,"body":"little bit for for my listeners here."},{"speaker":"Average Joe Finances","startTime":1480.485,"endTime":1483.275,"body":"If somebody newer to the show that"},{"speaker":"Average Joe Finances","startTime":1480.485,"endTime":1483.275,"body":"might not know what sinking funds"},{"speaker":"Average Joe Finances","startTime":1483.275,"endTime":1484.595,"body":"is, that's generally what it is."},{"speaker":"Average Joe Finances","startTime":1484.645,"endTime":1488.608,"body":"You take your money and you put it into"},{"speaker":"Average Joe Finances","startTime":1484.645,"endTime":1488.608,"body":"different accounts for specific reasons."},{"speaker":"Average Joe Finances","startTime":1488.631,"endTime":1490.821,"body":"Each account has its own specific goal."},{"speaker":"Sammy Warrayat","startTime":1491.181,"endTime":1492.081,"body":"It's perfect."},{"speaker":"Sammy Warrayat","startTime":1492.081,"endTime":1492.861,"body":"The way you do it as well."},{"speaker":"Sammy Warrayat","startTime":1492.861,"endTime":1494.931,"body":"Like you, you do it for the long term."},{"speaker":"Sammy Warrayat","startTime":1494.991,"endTime":1499.138,"body":"And so there's whole rays of Christmas"},{"speaker":"Sammy Warrayat","startTime":1494.991,"endTime":1499.138,"body":"shopping and black Friday holiday."},{"speaker":"Sammy Warrayat","startTime":1500.168,"endTime":1500.678,"body":"Valentine's day."},{"speaker":"Sammy Warrayat","startTime":1500.678,"endTime":1504.668,"body":"Everything is right in that last, the"},{"speaker":"Sammy Warrayat","startTime":1500.678,"endTime":1504.668,"body":"three months schedule, but people,"},{"speaker":"Sammy Warrayat","startTime":1504.668,"endTime":1507.968,"body":"most people just get hit at that three"},{"speaker":"Sammy Warrayat","startTime":1504.668,"endTime":1507.968,"body":"months, but if you're developing a"},{"speaker":"Sammy Warrayat","startTime":1507.968,"endTime":1510.908,"body":"sinking fund, you're planning for"},{"speaker":"Sammy Warrayat","startTime":1507.968,"endTime":1510.908,"body":"that in January of the year, before,"},{"speaker":"Sammy Warrayat","startTime":1510.908,"endTime":1514.568,"body":"and every month you put like $50, a"},{"speaker":"Sammy Warrayat","startTime":1510.908,"endTime":1514.568,"body":"hundred dollars or whatever one 12th"},{"speaker":"Sammy Warrayat","startTime":1514.568,"endTime":1516.458,"body":"of that number of your sinking fund is."},{"speaker":"Sammy Warrayat","startTime":1516.458,"endTime":1517.868,"body":"And so that doesn't really hit you."},{"speaker":"Sammy Warrayat","startTime":1518.328,"endTime":1519.048,"body":"All at once."},{"speaker":"Sammy Warrayat","startTime":1519.048,"endTime":1522.528,"body":"That's really what you want to do"},{"speaker":"Sammy Warrayat","startTime":1519.048,"endTime":1522.528,"body":"is kinda ammortize it, if you will."},{"speaker":"Sammy Warrayat","startTime":1522.535,"endTime":1523.075,"body":"It's perfect."},{"speaker":"Sammy Warrayat","startTime":1523.075,"endTime":1526.345,"body":"Think about yourself as a P"},{"speaker":"Sammy Warrayat","startTime":1523.075,"endTime":1526.345,"body":"and L for the nerds out there."},{"speaker":"Sammy Warrayat","startTime":1526.345,"endTime":1527.425,"body":"I guess like myself."},{"speaker":"Average Joe Finances","startTime":1527.64,"endTime":1527.86,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1527.86,"endTime":1528.0,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1528.0,"endTime":1531.3,"body":"So I actually do it a little bit"},{"speaker":"Average Joe Finances","startTime":1528.0,"endTime":1531.3,"body":"differently because that particular"},{"speaker":"Average Joe Finances","startTime":1531.3,"endTime":1534.78,"body":"fund is also like for birthdays"},{"speaker":"Average Joe Finances","startTime":1531.3,"endTime":1534.78,"body":"and stuff, and birthdays are all"},{"speaker":"Average Joe Finances","startTime":1534.78,"endTime":1535.92,"body":"spread out throughout the year."},{"speaker":"Average Joe Finances","startTime":1536.31,"endTime":1540.78,"body":"So we add up what everything's"},{"speaker":"Average Joe Finances","startTime":1536.31,"endTime":1540.78,"body":"going to be for an entire one year."},{"speaker":"Average Joe Finances","startTime":1540.96,"endTime":1544.77,"body":"And we say, okay, we know at this month"},{"speaker":"Average Joe Finances","startTime":1540.96,"endTime":1544.77,"body":"we need this much from this account."},{"speaker":"Average Joe Finances","startTime":1544.77,"endTime":1546.78,"body":"We need this much from this account,"},{"speaker":"Average Joe Finances","startTime":1544.77,"endTime":1546.78,"body":"this much from this account."},{"speaker":"Average Joe Finances","startTime":1546.793,"endTime":1550.933,"body":"So we know monthly, we have a set amount"},{"speaker":"Average Joe Finances","startTime":1546.793,"endTime":1550.933,"body":"that we put into the sinking funds."},{"speaker":"Average Joe Finances","startTime":1551.463,"endTime":1553.923,"body":"But how it gets split is different."},{"speaker":"Average Joe Finances","startTime":1554.253,"endTime":1557.463,"body":"So it's always going to be the same"},{"speaker":"Average Joe Finances","startTime":1554.253,"endTime":1557.463,"body":"investment amount that goes into the"},{"speaker":"Average Joe Finances","startTime":1557.463,"endTime":1562.383,"body":"funds, but we split it into each account"},{"speaker":"Average Joe Finances","startTime":1557.463,"endTime":1562.383,"body":"each month, based off of our chart when"},{"speaker":"Average Joe Finances","startTime":1562.383,"endTime":1566.253,"body":"we know what's coming up and what's"},{"speaker":"Average Joe Finances","startTime":1562.383,"endTime":1566.253,"body":"going where but the beautiful part is"},{"speaker":"Average Joe Finances","startTime":1566.263,"endTime":1570.473,"body":"it is that it's always the same amount"},{"speaker":"Average Joe Finances","startTime":1566.263,"endTime":1570.473,"body":"that we're giving up from our paycheck."},{"speaker":"Average Joe Finances","startTime":1570.833,"endTime":1572.963,"body":"So we understand like where"},{"speaker":"Average Joe Finances","startTime":1570.833,"endTime":1572.963,"body":"we're going with that now."},{"speaker":"Average Joe Finances","startTime":1572.963,"endTime":1577.71,"body":"I wanna kinda  circle this"},{"speaker":"Average Joe Finances","startTime":1572.963,"endTime":1577.71,"body":"back to what we were talking"},{"speaker":"Average Joe Finances","startTime":1577.71,"endTime":1578.94,"body":"about in the beginning, right?"},{"speaker":"Average Joe Finances","startTime":1578.94,"endTime":1582.74,"body":"How you started off, in computer"},{"speaker":"Average Joe Finances","startTime":1578.94,"endTime":1582.74,"body":"science, in the corporate world,"},{"speaker":"Average Joe Finances","startTime":1583.22,"endTime":1585.44,"body":"and then you started a side hustle."},{"speaker":"Average Joe Finances","startTime":1585.44,"endTime":1589.07,"body":"And that's where, you started collecting"},{"speaker":"Average Joe Finances","startTime":1585.44,"endTime":1589.07,"body":"some more money to invest and do"},{"speaker":"Average Joe Finances","startTime":1589.07,"endTime":1590.27,"body":"your swing trading and everything."},{"speaker":"Average Joe Finances","startTime":1590.27,"endTime":1595.48,"body":"So is it better for you or has"},{"speaker":"Average Joe Finances","startTime":1590.27,"endTime":1595.48,"body":"it worked out better for you"},{"speaker":"Average Joe Finances","startTime":1595.48,"endTime":1600.647,"body":"to scale your side hustle or to"},{"speaker":"Average Joe Finances","startTime":1595.48,"endTime":1600.647,"body":"move up in the corporate ladder."},{"speaker":"Sammy Warrayat","startTime":1600.687,"endTime":1603.697,"body":"I moved up in"},{"speaker":"Sammy Warrayat","startTime":1600.687,"endTime":1603.697,"body":"the corporate ladder faster."},{"speaker":"Sammy Warrayat","startTime":1603.787,"endTime":1607.287,"body":"I think you can move up in the"},{"speaker":"Sammy Warrayat","startTime":1603.787,"endTime":1607.287,"body":"corporate ladder to a certain extent."},{"speaker":"Sammy Warrayat","startTime":1608.177,"endTime":1610.457,"body":"Faster than you could"},{"speaker":"Sammy Warrayat","startTime":1608.177,"endTime":1610.457,"body":"probably do a side hustle."},{"speaker":"Sammy Warrayat","startTime":1611.207,"endTime":1615.257,"body":"And it was also partly because one,"},{"speaker":"Sammy Warrayat","startTime":1611.207,"endTime":1615.257,"body":"I didn't have enough money to feed a"},{"speaker":"Sammy Warrayat","startTime":1615.257,"endTime":1620.447,"body":"side hustle in the beginning and I was"},{"speaker":"Sammy Warrayat","startTime":1615.257,"endTime":1620.447,"body":"investing for the long-term and you're"},{"speaker":"Sammy Warrayat","startTime":1620.447,"endTime":1622.157,"body":"doing your bills and stuff like that."},{"speaker":"Sammy Warrayat","startTime":1622.157,"endTime":1623.267,"body":"And I just paying off debt."},{"speaker":"Sammy Warrayat","startTime":1623.902,"endTime":1626.962,"body":"I didn't have any extra money"},{"speaker":"Sammy Warrayat","startTime":1623.902,"endTime":1626.962,"body":"to really start something new."},{"speaker":"Sammy Warrayat","startTime":1626.962,"endTime":1630.952,"body":"So I had to move up in corporate"},{"speaker":"Sammy Warrayat","startTime":1626.962,"endTime":1630.952,"body":"and I did I over doubled my"},{"speaker":"Sammy Warrayat","startTime":1630.952,"endTime":1632.482,"body":"salary in the four or five years."},{"speaker":"Sammy Warrayat","startTime":1632.482,"endTime":1635.602,"body":"Cause I was just, like I said, learn"},{"speaker":"Sammy Warrayat","startTime":1632.482,"endTime":1635.602,"body":"or learn, earn a year and a half."},{"speaker":"Sammy Warrayat","startTime":1635.602,"endTime":1637.282,"body":"I was out every single time."},{"speaker":"Sammy Warrayat","startTime":1637.822,"endTime":1640.892,"body":"And then I was like, okay, now"},{"speaker":"Sammy Warrayat","startTime":1637.822,"endTime":1640.892,"body":"I have enough capital I was"},{"speaker":"Sammy Warrayat","startTime":1640.912,"endTime":1641.902,"body":"invested for the long-term."},{"speaker":"Sammy Warrayat","startTime":1641.902,"endTime":1642.742,"body":"I have no debt."},{"speaker":"Sammy Warrayat","startTime":1642.742,"endTime":1644.512,"body":"I have lower expenses because of that."},{"speaker":"Sammy Warrayat","startTime":1644.962,"endTime":1647.627,"body":"And I can afford to figure"},{"speaker":"Sammy Warrayat","startTime":1644.962,"endTime":1647.627,"body":"out what I want to do."},{"speaker":"Sammy Warrayat","startTime":1647.627,"endTime":1648.797,"body":"So like you talked about real estate."},{"speaker":"Sammy Warrayat","startTime":1648.797,"endTime":1650.117,"body":"I tried Airbnb."},{"speaker":"Sammy Warrayat","startTime":1650.457,"endTime":1653.187,"body":"I tried renting a house and"},{"speaker":"Sammy Warrayat","startTime":1650.457,"endTime":1653.187,"body":"buying, I, it didn't work for me."},{"speaker":"Sammy Warrayat","startTime":1653.237,"endTime":1656.057,"body":"Eventually I'll go into multi-families"},{"speaker":"Sammy Warrayat","startTime":1653.237,"endTime":1656.057,"body":"again and give it another try."},{"speaker":"Sammy Warrayat","startTime":1656.057,"endTime":1658.707,"body":"But for me, that just, I didn't get it."},{"speaker":"Sammy Warrayat","startTime":1658.707,"endTime":1659.997,"body":"I didn't like it as much."},{"speaker":"Sammy Warrayat","startTime":1659.997,"endTime":1663.627,"body":"So I just, I tried to move to something"},{"speaker":"Sammy Warrayat","startTime":1659.997,"endTime":1663.627,"body":"else and that's where I finally found"},{"speaker":"Sammy Warrayat","startTime":1663.627,"endTime":1665.307,"body":"swing trading and financial coaching."},{"speaker":"Sammy Warrayat","startTime":1665.857,"endTime":1667.277,"body":"And obviously the podcast."},{"speaker":"Sammy Warrayat","startTime":1667.307,"endTime":1670.257,"body":"And then I was like, okay, let"},{"speaker":"Sammy Warrayat","startTime":1667.307,"endTime":1670.257,"body":"me figure out how to go all three"},{"speaker":"Sammy Warrayat","startTime":1670.677,"endTime":1672.177,"body":"and try to scale all of them."},{"speaker":"Sammy Warrayat","startTime":1672.177,"endTime":1672.447,"body":"But then."},{"speaker":"Sammy Warrayat","startTime":1673.002,"endTime":1675.102,"body":"Too much things juggling around."},{"speaker":"Sammy Warrayat","startTime":1675.402,"endTime":1678.755,"body":"So then I was just like, okay, I have"},{"speaker":"Sammy Warrayat","startTime":1675.402,"endTime":1678.755,"body":"enough capital to take this risk."},{"speaker":"Sammy Warrayat","startTime":1678.755,"endTime":1682.745,"body":"I have enough capital to know I can"},{"speaker":"Sammy Warrayat","startTime":1678.755,"endTime":1682.745,"body":"make a sustainable living in one"},{"speaker":"Sammy Warrayat","startTime":1682.805,"endTime":1684.365,"body":"and all three of those combined."},{"speaker":"Sammy Warrayat","startTime":1684.665,"endTime":1689.015,"body":"So let me just retire from corporate,"},{"speaker":"Sammy Warrayat","startTime":1684.665,"endTime":1689.015,"body":"leave that main source of income,"},{"speaker":"Sammy Warrayat","startTime":1689.435,"endTime":1691.295,"body":"but then I can work on scaling it."},{"speaker":"Sammy Warrayat","startTime":1691.295,"endTime":1694.025,"body":"Cause I was at a position"},{"speaker":"Sammy Warrayat","startTime":1691.295,"endTime":1694.025,"body":"where I couldn't do both."},{"speaker":"Sammy Warrayat","startTime":1694.055,"endTime":1695.255,"body":"I couldn't do all four really."},{"speaker":"Sammy Warrayat","startTime":1695.395,"endTime":1700.405,"body":"But I moved up in corporate first to"},{"speaker":"Sammy Warrayat","startTime":1695.395,"endTime":1700.405,"body":"give myself the security, give myself"},{"speaker":"Sammy Warrayat","startTime":1700.405,"endTime":1704.065,"body":"the starting point and give myself really"},{"speaker":"Sammy Warrayat","startTime":1700.405,"endTime":1704.065,"body":"the time to know what I wanted to do."},{"speaker":"Sammy Warrayat","startTime":1704.065,"endTime":1707.135,"body":"Cause I don't know if anybody knows"},{"speaker":"Sammy Warrayat","startTime":1704.065,"endTime":1707.135,"body":"what they want to do in their twenties."},{"speaker":"Sammy Warrayat","startTime":1707.215,"endTime":1709.075,"body":"I certainly didn't graduate in college."},{"speaker":"Sammy Warrayat","startTime":1709.155,"endTime":1712.005,"body":"I still sometimes don't know, like"},{"speaker":"Sammy Warrayat","startTime":1709.155,"endTime":1712.005,"body":"I just keep trying new things and"},{"speaker":"Sammy Warrayat","startTime":1712.065,"endTime":1714.045,"body":"go, okay, this is what I'm going"},{"speaker":"Sammy Warrayat","startTime":1712.065,"endTime":1714.045,"body":"to do for the next few years."},{"speaker":"Sammy Warrayat","startTime":1714.435,"endTime":1715.035,"body":"And if it works."},{"speaker":"Sammy Warrayat","startTime":1715.035,"endTime":1716.595,"body":"And if it doesn't okay,"},{"speaker":"Sammy Warrayat","startTime":1715.035,"endTime":1716.595,"body":"let me try something else."},{"speaker":"Average Joe Finances","startTime":1716.752,"endTime":1718.762,"body":"Yeah, but you got"},{"speaker":"Average Joe Finances","startTime":1716.752,"endTime":1718.762,"body":"yourself to the point where you've lowered"},{"speaker":"Average Joe Finances","startTime":1718.762,"endTime":1723.042,"body":"your expenses so much and you have such"},{"speaker":"Average Joe Finances","startTime":1718.762,"endTime":1723.042,"body":"a good nest egg built up that you can"},{"speaker":"Average Joe Finances","startTime":1723.042,"endTime":1724.662,"body":"afford to take those kinds of risks."},{"speaker":"Average Joe Finances","startTime":1724.712,"endTime":1728.282,"body":"And I think one of the key things too,"},{"speaker":"Average Joe Finances","startTime":1724.712,"endTime":1728.282,"body":"like to scaling, you had mentioned"},{"speaker":"Average Joe Finances","startTime":1728.282,"endTime":1731.732,"body":"too, like you didn't have the money"},{"speaker":"Average Joe Finances","startTime":1728.282,"endTime":1731.732,"body":"to put into your side hustle and a"},{"speaker":"Average Joe Finances","startTime":1731.732,"endTime":1734.162,"body":"lot of people don't understand, like"},{"speaker":"Average Joe Finances","startTime":1731.732,"endTime":1734.162,"body":"sometimes when you build a side hustle,"},{"speaker":"Average Joe Finances","startTime":1734.162,"endTime":1737.312,"body":"you start your own business, you're"},{"speaker":"Average Joe Finances","startTime":1734.162,"endTime":1737.312,"body":"going to be putting money into it."},{"speaker":"Average Joe Finances","startTime":1737.36,"endTime":1741.32,"body":"even for me,  I came up with, Hey,"},{"speaker":"Average Joe Finances","startTime":1737.36,"endTime":1741.32,"body":"I need to step back and give up"},{"speaker":"Average Joe Finances","startTime":1741.71,"endTime":1743.6,"body":"some of the control to someone else."},{"speaker":"Average Joe Finances","startTime":1743.84,"endTime":1746.27,"body":"And that's when I started"},{"speaker":"Average Joe Finances","startTime":1743.84,"endTime":1746.27,"body":"outsourcing a few things and"},{"speaker":"Average Joe Finances","startTime":1746.27,"endTime":1748.22,"body":"I was actually able to scale."},{"speaker":"Average Joe Finances","startTime":1748.4,"endTime":1751.38,"body":"I actually started, I actually"},{"speaker":"Average Joe Finances","startTime":1748.4,"endTime":1751.38,"body":"hired the the podcast editing team"},{"speaker":"Average Joe Finances","startTime":1751.38,"endTime":1753.33,"body":"before my podcast was making money."},{"speaker":"Average Joe Finances","startTime":1753.7,"endTime":1756.25,"body":"Just because I felt like, Hey,"},{"speaker":"Average Joe Finances","startTime":1753.7,"endTime":1756.25,"body":"it's the time I've got extra"},{"speaker":"Average Joe Finances","startTime":1756.25,"endTime":1757.51,"body":"cash that I could put into it."},{"speaker":"Average Joe Finances","startTime":1758.1,"endTime":1761.73,"body":"That I think at least to get"},{"speaker":"Average Joe Finances","startTime":1758.1,"endTime":1761.73,"body":"my time back and spend a little"},{"speaker":"Average Joe Finances","startTime":1761.73,"endTime":1762.57,"body":"more time with my family."},{"speaker":"Average Joe Finances","startTime":1762.57,"endTime":1766.13,"body":"And instead of spending, four hours a"},{"speaker":"Average Joe Finances","startTime":1762.57,"endTime":1766.13,"body":"day editing after I'd been at work all"},{"speaker":"Average Joe Finances","startTime":1766.13,"endTime":1768.74,"body":"day, I think that was super important."},{"speaker":"Average Joe Finances","startTime":1768.77,"endTime":1769.85,"body":"And it was very helpful."},{"speaker":"Average Joe Finances","startTime":1770.34,"endTime":1773.45,"body":"To scale, sometimes you got to"},{"speaker":"Average Joe Finances","startTime":1770.34,"endTime":1773.45,"body":"spend a little bit of money and"},{"speaker":"Average Joe Finances","startTime":1773.49,"endTime":1775.7,"body":"I think that's really important"},{"speaker":"Average Joe Finances","startTime":1773.49,"endTime":1775.7,"body":"that people understand that."},{"speaker":"Average Joe Finances","startTime":1775.97,"endTime":1779.45,"body":"And, you got yourself to a point where you"},{"speaker":"Average Joe Finances","startTime":1775.97,"endTime":1779.45,"body":"were able to do that and still be able to"},{"speaker":"Average Joe Finances","startTime":1779.45,"endTime":1781.7,"body":"walk away, which is absolutely amazing."},{"speaker":"Average Joe Finances","startTime":1781.808,"endTime":1785.038,"body":"Speaking of your side hustle you,"},{"speaker":"Average Joe Finances","startTime":1781.808,"endTime":1785.038,"body":"you do the swing trading, and"},{"speaker":"Average Joe Finances","startTime":1785.038,"endTime":1790.393,"body":"you also have a podcast now, when"},{"speaker":"Average Joe Finances","startTime":1785.038,"endTime":1790.393,"body":"you when you're swing trading."},{"speaker":"Average Joe Finances","startTime":1790.443,"endTime":1793.873,"body":"A lot of it is not a lot of it,"},{"speaker":"Average Joe Finances","startTime":1790.443,"endTime":1793.873,"body":"all of it is based on the market."},{"speaker":"Average Joe Finances","startTime":1793.953,"endTime":1797.853,"body":"So if somebody's getting into"},{"speaker":"Average Joe Finances","startTime":1793.953,"endTime":1797.853,"body":"this and they said, oh well,"},{"speaker":"Average Joe Finances","startTime":1797.853,"endTime":1798.813,"body":"I want to beat the market."},{"speaker":"Average Joe Finances","startTime":1798.813,"endTime":1801.063,"body":"So well, can you even beat the market?"},{"speaker":"Average Joe Finances","startTime":1801.483,"endTime":1803.013,"body":"And should you even try to do that?"},{"speaker":"Sammy Warrayat","startTime":1803.192,"endTime":1806.222,"body":"You can or people"},{"speaker":"Sammy Warrayat","startTime":1803.192,"endTime":1806.222,"body":"have, I'll say it that way."},{"speaker":"Sammy Warrayat","startTime":1806.252,"endTime":1810.292,"body":"There's been people who have beaten"},{"speaker":"Sammy Warrayat","startTime":1806.252,"endTime":1810.292,"body":"the market but even like regular retail"},{"speaker":"Sammy Warrayat","startTime":1810.292,"endTime":1814.022,"body":"traders retail being people who are like"},{"speaker":"Sammy Warrayat","startTime":1810.292,"endTime":1814.022,"body":"me and you, and not people who work in"},{"speaker":"Sammy Warrayat","startTime":1814.022,"endTime":1819.032,"body":"wall street as institutional brokerage"},{"speaker":"Sammy Warrayat","startTime":1814.022,"endTime":1819.032,"body":"firms, but the person I would say that"},{"speaker":"Sammy Warrayat","startTime":1819.032,"endTime":1820.982,"body":"is more, most capable of doing it."},{"speaker":"Sammy Warrayat","startTime":1820.982,"endTime":1825.292,"body":"Somebody who is always gonna continue"},{"speaker":"Sammy Warrayat","startTime":1820.982,"endTime":1825.292,"body":"to learn and very humble because"},{"speaker":"Sammy Warrayat","startTime":1825.292,"endTime":1828.742,"body":"the market will humble you when you"},{"speaker":"Sammy Warrayat","startTime":1825.292,"endTime":1828.742,"body":"think you've made the right choice"},{"speaker":"Sammy Warrayat","startTime":1828.832,"endTime":1831.322,"body":"and everything is correct on paper."},{"speaker":"Sammy Warrayat","startTime":1831.802,"endTime":1834.892,"body":"And then some news comes"},{"speaker":"Sammy Warrayat","startTime":1831.802,"endTime":1834.892,"body":"out that you didn't expect."},{"speaker":"Sammy Warrayat","startTime":1835.432,"endTime":1839.662,"body":"And news has a very volatile impact"},{"speaker":"Sammy Warrayat","startTime":1835.432,"endTime":1839.662,"body":"in the short-term and the long-term,"},{"speaker":"Sammy Warrayat","startTime":1839.662,"endTime":1844.312,"body":"it goes away, but in the short term,"},{"speaker":"Sammy Warrayat","startTime":1839.662,"endTime":1844.312,"body":"it'll mess you up and then people"},{"speaker":"Sammy Warrayat","startTime":1844.312,"endTime":1845.992,"body":"start panicking and those emotions."},{"speaker":"Sammy Warrayat","startTime":1845.992,"endTime":1848.692,"body":"So I would recommend"},{"speaker":"Sammy Warrayat","startTime":1845.992,"endTime":1848.692,"body":"reading a lot of books."},{"speaker":"Sammy Warrayat","startTime":1849.152,"endTime":1850.742,"body":"Famous traders that have done it."},{"speaker":"Sammy Warrayat","startTime":1850.932,"endTime":1853.902,"body":"One of my favorites is new"},{"speaker":"Sammy Warrayat","startTime":1850.932,"endTime":1853.902,"body":"trading for a living by Dr."},{"speaker":"Sammy Warrayat","startTime":1853.902,"endTime":1858.022,"body":"Elder which really focuses a lot on"},{"speaker":"Sammy Warrayat","startTime":1853.902,"endTime":1858.022,"body":"the trading psychology and investor"},{"speaker":"Sammy Warrayat","startTime":1858.022,"endTime":1864.082,"body":"psychology of mass markets of people"},{"speaker":"Sammy Warrayat","startTime":1858.022,"endTime":1864.082,"body":"and how you can get better at that."},{"speaker":"Sammy Warrayat","startTime":1864.142,"endTime":1868.132,"body":"And there's obviously technical indicators"},{"speaker":"Sammy Warrayat","startTime":1864.142,"endTime":1868.132,"body":"and which is like the charts and the"},{"speaker":"Sammy Warrayat","startTime":1868.132,"endTime":1872.092,"body":"patterns, and then there's fundamentals,"},{"speaker":"Sammy Warrayat","startTime":1868.132,"endTime":1872.092,"body":"which is how to assess a company."},{"speaker":"Sammy Warrayat","startTime":1872.092,"endTime":1875.512,"body":"But those are easy to"},{"speaker":"Sammy Warrayat","startTime":1872.092,"endTime":1875.512,"body":"learn, because it's just."},{"speaker":"Sammy Warrayat","startTime":1876.517,"endTime":1880.597,"body":"You can Google it and stuff like that"},{"speaker":"Sammy Warrayat","startTime":1876.517,"endTime":1880.597,"body":"and figure it out, research it, but how"},{"speaker":"Sammy Warrayat","startTime":1880.597,"endTime":1884.857,"body":"you respond to something is the biggest"},{"speaker":"Sammy Warrayat","startTime":1880.597,"endTime":1884.857,"body":"part that I think a lot of people miss."},{"speaker":"Sammy Warrayat","startTime":1884.857,"endTime":1888.427,"body":"And if you don't have that piece, then the"},{"speaker":"Sammy Warrayat","startTime":1884.857,"endTime":1888.427,"body":"rest doesn't really matter in my opinion."},{"speaker":"Sammy Warrayat","startTime":1888.877,"endTime":1892.837,"body":"So I, it's hard to really say if"},{"speaker":"Sammy Warrayat","startTime":1888.877,"endTime":1892.837,"body":"everybody should do it because"},{"speaker":"Sammy Warrayat","startTime":1892.837,"endTime":1896.547,"body":"a lot of people try and a lot of"},{"speaker":"Sammy Warrayat","startTime":1892.837,"endTime":1896.547,"body":"people don't make it very well."},{"speaker":"Sammy Warrayat","startTime":1896.607,"endTime":1900.027,"body":"So I would focus on that and"},{"speaker":"Sammy Warrayat","startTime":1896.607,"endTime":1900.027,"body":"focus with small positions"},{"speaker":"Sammy Warrayat","startTime":1900.537,"endTime":1901.677,"body":"is the most important thing."},{"speaker":"Sammy Warrayat","startTime":1901.707,"endTime":1905.037,"body":"Worry about the percent return,"},{"speaker":"Sammy Warrayat","startTime":1901.707,"endTime":1905.037,"body":"not the money you got back."},{"speaker":"Sammy Warrayat","startTime":1905.037,"endTime":1909.137,"body":"Cause okay, you get 10% return is"},{"speaker":"Sammy Warrayat","startTime":1905.037,"endTime":1909.137,"body":"good on a swing trade in a month."},{"speaker":"Sammy Warrayat","startTime":1909.167,"endTime":1911.327,"body":"But if you put a thousand dollars"},{"speaker":"Sammy Warrayat","startTime":1909.167,"endTime":1911.327,"body":"and it was like, oh, I did all"},{"speaker":"Sammy Warrayat","startTime":1911.327,"endTime":1912.317,"body":"that work for a hundred dollars."},{"speaker":"Sammy Warrayat","startTime":1912.962,"endTime":1914.102,"body":"That's not what you're trying to do."},{"speaker":"Sammy Warrayat","startTime":1914.112,"endTime":1918.182,"body":"Are you trying to focus on, can you"},{"speaker":"Sammy Warrayat","startTime":1914.112,"endTime":1918.182,"body":"get that 10% return consistently so"},{"speaker":"Sammy Warrayat","startTime":1918.182,"endTime":1922.232,"body":"that when eventually you're playing"},{"speaker":"Sammy Warrayat","startTime":1918.182,"endTime":1922.232,"body":"with the 10, 15, 20, 30, a hundred"},{"speaker":"Sammy Warrayat","startTime":1922.232,"endTime":1927.302,"body":"thousand dollars position, now 10% of a"},{"speaker":"Sammy Warrayat","startTime":1922.232,"endTime":1927.302,"body":"hundred grand is it's 10 K in a month."},{"speaker":"Sammy Warrayat","startTime":1927.452,"endTime":1929.322,"body":"That's not bad, off one trade."},{"speaker":"Sammy Warrayat","startTime":1929.742,"endTime":1934.992,"body":"So that's just how you have to start with"},{"speaker":"Sammy Warrayat","startTime":1929.742,"endTime":1934.992,"body":"the small baby positions hundred dollar"},{"speaker":"Sammy Warrayat","startTime":1934.992,"endTime":1938.692,"body":"positions, build it up to a thousand,"},{"speaker":"Sammy Warrayat","startTime":1934.992,"endTime":1938.692,"body":"five, 10, and then go from there."},{"speaker":"Sammy Warrayat","startTime":1938.692,"endTime":1940.582,"body":"But if you can't handle."},{"speaker":"Sammy Warrayat","startTime":1941.307,"endTime":1944.697,"body":"A small position emotionally, then"},{"speaker":"Sammy Warrayat","startTime":1941.307,"endTime":1944.697,"body":"you're not really going to have"},{"speaker":"Sammy Warrayat","startTime":1944.697,"endTime":1946.697,"body":"a good time handling large ones."},{"speaker":"Average Joe Finances","startTime":1946.837,"endTime":1949.447,"body":"Now you had"},{"speaker":"Average Joe Finances","startTime":1946.837,"endTime":1949.447,"body":"mentioned like that there's certain things"},{"speaker":"Average Joe Finances","startTime":1949.447,"endTime":1953.347,"body":"that, traders are looking at, and like"},{"speaker":"Average Joe Finances","startTime":1949.447,"endTime":1953.347,"body":"different indicators and measurements."},{"speaker":"Average Joe Finances","startTime":1953.347,"endTime":1957.527,"body":"So what is it that you're looking at when"},{"speaker":"Average Joe Finances","startTime":1953.347,"endTime":1957.527,"body":"you're making these decisions on whether"},{"speaker":"Average Joe Finances","startTime":1957.527,"endTime":1959.447,"body":"or not you're going to, buy or sell?"},{"speaker":"Sammy Warrayat","startTime":1959.837,"endTime":1961.042,"body":"Oh, man,"},{"speaker":"Sammy Warrayat","startTime":1959.837,"endTime":1961.042,"body":"I love this question."},{"speaker":"Sammy Warrayat","startTime":1961.142,"endTime":1964.412,"body":"The Mac D is one of my"},{"speaker":"Sammy Warrayat","startTime":1961.142,"endTime":1964.412,"body":"favorite indicators."},{"speaker":"Sammy Warrayat","startTime":1964.412,"endTime":1967.292,"body":"It's has it's called a convergence"},{"speaker":"Sammy Warrayat","startTime":1964.412,"endTime":1967.292,"body":"divergence and a moving"},{"speaker":"Sammy Warrayat","startTime":1967.292,"endTime":1968.612,"body":"average convergence divergence."},{"speaker":"Sammy Warrayat","startTime":1968.642,"endTime":1972.863,"body":"And essentially when it comes up and"},{"speaker":"Sammy Warrayat","startTime":1968.642,"endTime":1972.863,"body":"it crosses, that's a good buy signal,"},{"speaker":"Sammy Warrayat","startTime":1973.193,"endTime":1976.043,"body":"but the key with all the indicators"},{"speaker":"Sammy Warrayat","startTime":1973.193,"endTime":1976.043,"body":"is you want two or three confirmations"},{"speaker":"Sammy Warrayat","startTime":1976.043,"endTime":1977.693,"body":"on two or three different timelines."},{"speaker":"Sammy Warrayat","startTime":1978.053,"endTime":1981.683,"body":"So as a swing trader, I look at"},{"speaker":"Sammy Warrayat","startTime":1978.053,"endTime":1981.683,"body":"the day chart is my favorite chart."},{"speaker":"Sammy Warrayat","startTime":1981.683,"endTime":1985.123,"body":"Look, I don't really look at the one"},{"speaker":"Sammy Warrayat","startTime":1981.683,"endTime":1985.123,"body":"minute two minutes charts, but the day"},{"speaker":"Sammy Warrayat","startTime":1985.123,"endTime":1988.663,"body":"char and when I want to zoom out, I"},{"speaker":"Sammy Warrayat","startTime":1985.123,"endTime":1988.663,"body":"want to look at the week and the month."},{"speaker":"Sammy Warrayat","startTime":1988.783,"endTime":1991.153,"body":"So I'm looking for"},{"speaker":"Sammy Warrayat","startTime":1988.783,"endTime":1991.153,"body":"confirmation at the month."},{"speaker":"Sammy Warrayat","startTime":1991.153,"endTime":1996.133,"body":"First, then the week, if both of"},{"speaker":"Sammy Warrayat","startTime":1991.153,"endTime":1996.133,"body":"those are a good trend up a pill, then"},{"speaker":"Sammy Warrayat","startTime":1996.133,"endTime":1997.663,"body":"I'm like, okay, this is a good time."},{"speaker":"Sammy Warrayat","startTime":1997.723,"endTime":2000.153,"body":"Or they're both confirming back then."},{"speaker":"Sammy Warrayat","startTime":2000.153,"endTime":2002.793,"body":"I'm looking at the day and"},{"speaker":"Sammy Warrayat","startTime":2000.153,"endTime":2002.793,"body":"seeing where the Chen gets."},{"speaker":"Sammy Warrayat","startTime":2002.823,"endTime":2005.913,"body":"So from an indicator perspective"},{"speaker":"Sammy Warrayat","startTime":2002.823,"endTime":2005.913,"body":"is something called a relative"},{"speaker":"Sammy Warrayat","startTime":2005.913,"endTime":2007.323,"body":"strength index as well."},{"speaker":"Sammy Warrayat","startTime":2007.353,"endTime":2008.973,"body":"That if it's under 30."},{"speaker":"Sammy Warrayat","startTime":2009.448,"endTime":2012.148,"body":"It's considered, oversold"},{"speaker":"Sammy Warrayat","startTime":2009.448,"endTime":2012.148,"body":"and it's a good buy."},{"speaker":"Sammy Warrayat","startTime":2012.448,"endTime":2015.958,"body":"And then over bought at like 80 meaning"},{"speaker":"Sammy Warrayat","startTime":2012.448,"endTime":2015.958,"body":"too many people are holding onto it."},{"speaker":"Sammy Warrayat","startTime":2015.958,"endTime":2017.368,"body":"It's probably a good cell signal."},{"speaker":"Sammy Warrayat","startTime":2017.698,"endTime":2019.258,"body":"That's just a quick checkmark."},{"speaker":"Sammy Warrayat","startTime":2019.348,"endTime":2023.428,"body":"Makadi is a really a, is a good one"},{"speaker":"Sammy Warrayat","startTime":2019.348,"endTime":2023.428,"body":"for me as in terms of indicators."},{"speaker":"Sammy Warrayat","startTime":2023.428,"endTime":2025.348,"body":"And then there's a bunch of"},{"speaker":"Sammy Warrayat","startTime":2023.428,"endTime":2025.348,"body":"different chart patterns."},{"speaker":"Sammy Warrayat","startTime":2025.348,"endTime":2026.668,"body":"I try to draw a triangle."},{"speaker":"Sammy Warrayat","startTime":2026.998,"endTime":2031.341,"body":"So like if it's descending downwards, Then"},{"speaker":"Sammy Warrayat","startTime":2026.998,"endTime":2031.341,"body":"when it hits the point or right when it"},{"speaker":"Sammy Warrayat","startTime":2031.341,"endTime":2035.451,"body":"breaks out of either end of the triangle,"},{"speaker":"Sammy Warrayat","startTime":2031.341,"endTime":2035.451,"body":"whichever direction it breaks, if it"},{"speaker":"Sammy Warrayat","startTime":2035.451,"endTime":2038.451,"body":"holds for a day or two, then I'm going in."},{"speaker":"Sammy Warrayat","startTime":2038.511,"endTime":2042.381,"body":"Or I buy a little bit when it first breaks"},{"speaker":"Sammy Warrayat","startTime":2038.511,"endTime":2042.381,"body":"up by a little bit after the second day."},{"speaker":"Sammy Warrayat","startTime":2042.411,"endTime":2045.861,"body":"And then if it's still holding, then"},{"speaker":"Sammy Warrayat","startTime":2042.411,"endTime":2045.861,"body":"I'm going with the rest of my position."},{"speaker":"Sammy Warrayat","startTime":2046.396,"endTime":2050.323,"body":"And then exit signals are the, you"},{"speaker":"Sammy Warrayat","startTime":2046.396,"endTime":2050.323,"body":"know, there's Fibonacci sequence."},{"speaker":"Sammy Warrayat","startTime":2050.323,"endTime":2052.903,"body":"There's a bunch of different"},{"speaker":"Sammy Warrayat","startTime":2050.323,"endTime":2052.903,"body":"ones or when a trend starts"},{"speaker":"Sammy Warrayat","startTime":2052.903,"endTime":2055.293,"body":"reversing is a good one as well."},{"speaker":"Sammy Warrayat","startTime":2055.293,"endTime":2059.276,"body":"So like if  they start losing momentum,"},{"speaker":"Sammy Warrayat","startTime":2055.293,"endTime":2059.276,"body":"not a lot of volume, then I'm like,"},{"speaker":"Sammy Warrayat","startTime":2059.276,"endTime":2060.966,"body":"okay this run is probably over."},{"speaker":"Average Joe Finances","startTime":2061.064,"endTime":2063.644,"body":"That's definitely"},{"speaker":"Average Joe Finances","startTime":2061.064,"endTime":2063.644,"body":"a great way  to better understand it."},{"speaker":"Average Joe Finances","startTime":2063.864,"endTime":2066.334,"body":"And I know there's so much"},{"speaker":"Average Joe Finances","startTime":2063.864,"endTime":2066.334,"body":"more that goes into that."},{"speaker":"Average Joe Finances","startTime":2066.334,"endTime":2069.934,"body":"So for the people that are listening,"},{"speaker":"Average Joe Finances","startTime":2066.334,"endTime":2069.934,"body":"this is like a wave top of what he's doing"},{"speaker":"Average Joe Finances","startTime":2069.934,"endTime":2072.084,"body":"when he's looking at making these trades."},{"speaker":"Average Joe Finances","startTime":2072.569,"endTime":2074.669,"body":"And it's still like a"},{"speaker":"Average Joe Finances","startTime":2072.569,"endTime":2074.669,"body":"different language to me."},{"speaker":"Average Joe Finances","startTime":2074.669,"endTime":2076.379,"body":"So I'm sitting here"},{"speaker":"Average Joe Finances","startTime":2074.669,"endTime":2076.379,"body":"writing all these notes."},{"speaker":"Average Joe Finances","startTime":2076.396,"endTime":2077.136,"body":"Absolutely awesome."},{"speaker":"Average Joe Finances","startTime":2077.136,"endTime":2079.916,"body":"Like I'm actually looking forward"},{"speaker":"Average Joe Finances","startTime":2077.136,"endTime":2079.916,"body":"to when I  transcribe this episode,"},{"speaker":"Average Joe Finances","startTime":2079.916,"endTime":2082.886,"body":"just go back and like really read a"},{"speaker":"Average Joe Finances","startTime":2079.916,"endTime":2082.886,"body":"lot of the stuff that you're talking"},{"speaker":"Average Joe Finances","startTime":2082.886,"endTime":2086.066,"body":"about, because this is absolutely"},{"speaker":"Average Joe Finances","startTime":2082.886,"endTime":2086.066,"body":"awesome man especially the mention of"},{"speaker":"Average Joe Finances","startTime":2086.066,"endTime":2087.286,"body":"that book, I'm going to check it out."},{"speaker":"Sammy Warrayat","startTime":2087.496,"endTime":2089.836,"body":"There's also"},{"speaker":"Sammy Warrayat","startTime":2087.496,"endTime":2089.836,"body":"Two great YouTube people."},{"speaker":"Sammy Warrayat","startTime":2089.916,"endTime":2094.806,"body":"Swedish investor and financial wisdom,"},{"speaker":"Sammy Warrayat","startTime":2089.916,"endTime":2094.806,"body":"the two different YouTube channels."},{"speaker":"Sammy Warrayat","startTime":2094.806,"endTime":2095.556,"body":"They do the same thing."},{"speaker":"Sammy Warrayat","startTime":2095.556,"endTime":2098.256,"body":"It's like an animated graphic of"},{"speaker":"Average Joe Finances","startTime":2098.386,"endTime":2100.336,"body":"I've watched"},{"speaker":"Average Joe Finances","startTime":2098.386,"endTime":2100.336,"body":"some of those channels before."},{"speaker":"Average Joe Finances","startTime":2100.786,"endTime":2101.086,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2102.176,"endTime":2102.456,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2102.516,"endTime":2104.366,"body":"It's almost like cliff notes of books."},{"speaker":"Average Joe Finances","startTime":2104.366,"endTime":2105.466,"body":"I've actually It's funny."},{"speaker":"Average Joe Finances","startTime":2105.466,"endTime":2107.746,"body":"Cause I read there was a couple of"},{"speaker":"Average Joe Finances","startTime":2105.466,"endTime":2107.746,"body":"books that I read and then I went"},{"speaker":"Average Joe Finances","startTime":2107.746,"endTime":2112.066,"body":"and watched that to just compare"},{"speaker":"Average Joe Finances","startTime":2107.746,"endTime":2112.066,"body":"like, okay, what did I get out of"},{"speaker":"Average Joe Finances","startTime":2112.066,"endTime":2113.386,"body":"the book versus what they're saying?"},{"speaker":"Average Joe Finances","startTime":2113.686,"endTime":2118.046,"body":"And holy crap, if it's not really close,"},{"speaker":"Average Joe Finances","startTime":2113.686,"endTime":2118.046,"body":"it's almost like a, there's this this"},{"speaker":"Average Joe Finances","startTime":2118.046,"endTime":2119.936,"body":"app or website now called Blinkist."},{"speaker":"Average Joe Finances","startTime":2119.936,"endTime":2121.346,"body":"And there's a couple"},{"speaker":"Average Joe Finances","startTime":2119.936,"endTime":2121.346,"body":"other ones too, where."},{"speaker":"Average Joe Finances","startTime":2121.846,"endTime":2125.446,"body":"Or 12 minute reads and things like that,"},{"speaker":"Average Joe Finances","startTime":2121.846,"endTime":2125.446,"body":"where they'll just take a whole book."},{"speaker":"Average Joe Finances","startTime":2125.446,"endTime":2130.186,"body":"And within 12 to 15 minutes, explain what"},{"speaker":"Average Joe Finances","startTime":2125.446,"endTime":2130.186,"body":"the entire premise of that book is to you."},{"speaker":"Average Joe Finances","startTime":2130.526,"endTime":2132.686,"body":"And what I found is like this"},{"speaker":"Average Joe Finances","startTime":2130.526,"endTime":2132.686,"body":"YouTube channel does the same"},{"speaker":"Average Joe Finances","startTime":2132.686,"endTime":2134.156,"body":"thing, but they do it in 10 minutes."},{"speaker":"Average Joe Finances","startTime":2134.426,"endTime":2137.126,"body":"So why do seven minute abs when"},{"speaker":"Average Joe Finances","startTime":2134.426,"endTime":2137.126,"body":"you can get six minute abs?"},{"speaker":"Average Joe Finances","startTime":2137.246,"endTime":2139.556,"body":"And they say, okay, Awesome."},{"speaker":"Average Joe Finances","startTime":2139.626,"endTime":2142.276,"body":"You had said to throw a movie"},{"speaker":"Average Joe Finances","startTime":2139.626,"endTime":2142.276,"body":"reference in there, but okay, cool."},{"speaker":"Average Joe Finances","startTime":2142.276,"endTime":2146.686,"body":"So now I went backwards in the"},{"speaker":"Average Joe Finances","startTime":2142.276,"endTime":2146.686,"body":"order of the categories that you"},{"speaker":"Average Joe Finances","startTime":2146.686,"endTime":2148.036,"body":"wanted to discuss with me today."},{"speaker":"Average Joe Finances","startTime":2148.036,"endTime":2149.566,"body":"And I did it on purpose, right?"},{"speaker":"Average Joe Finances","startTime":2149.566,"endTime":2155.356,"body":"Because I think all of this culminates"},{"speaker":"Average Joe Finances","startTime":2149.566,"endTime":2155.356,"body":"into what you put together as what you"},{"speaker":"Average Joe Finances","startTime":2155.356,"endTime":2157.906,"body":"call the five categories of success."},{"speaker":"Average Joe Finances","startTime":2158.236,"endTime":2158.866,"body":"And that was."},{"speaker":"Average Joe Finances","startTime":2159.451,"endTime":2162.481,"body":"First thing that we had on"},{"speaker":"Average Joe Finances","startTime":2159.451,"endTime":2162.481,"body":"the topics for discussion."},{"speaker":"Average Joe Finances","startTime":2162.691,"endTime":2165.661,"body":"I actually want it to be the last"},{"speaker":"Average Joe Finances","startTime":2162.691,"endTime":2165.661,"body":"thing, because I feel like all"},{"speaker":"Average Joe Finances","startTime":2165.661,"endTime":2167.581,"body":"of this culminates into that."},{"speaker":"Average Joe Finances","startTime":2167.941,"endTime":2173.861,"body":"So now if you could, could you explain"},{"speaker":"Average Joe Finances","startTime":2167.941,"endTime":2173.861,"body":"what are these five categories of success?"},{"speaker":"Sammy Warrayat","startTime":2174.569,"endTime":2176.549,"body":"Yeah, and I love the"},{"speaker":"Sammy Warrayat","startTime":2174.569,"endTime":2176.549,"body":"way you did that as well, because"},{"speaker":"Sammy Warrayat","startTime":2176.549,"endTime":2179.609,"body":"they're all super intertwined"},{"speaker":"Sammy Warrayat","startTime":2176.549,"endTime":2179.609,"body":"and they all have the end goal."},{"speaker":"Sammy Warrayat","startTime":2179.669,"endTime":2182.579,"body":"And to me, the end goal is"},{"speaker":"Sammy Warrayat","startTime":2179.669,"endTime":2182.579,"body":"the happiness success metric."},{"speaker":"Sammy Warrayat","startTime":2182.609,"endTime":2187.559,"body":"I think nobody would really be opposed"},{"speaker":"Sammy Warrayat","startTime":2182.609,"endTime":2187.559,"body":"to having a happy life and a successful"},{"speaker":"Sammy Warrayat","startTime":2187.559,"endTime":2189.509,"body":"life and the way they determine it."},{"speaker":"Sammy Warrayat","startTime":2190.009,"endTime":2192.049,"body":"A lot of people define"},{"speaker":"Sammy Warrayat","startTime":2190.009,"endTime":2192.049,"body":"it in different things."},{"speaker":"Sammy Warrayat","startTime":2192.049,"endTime":2195.179,"body":"And to me I've heard a lot of"},{"speaker":"Sammy Warrayat","startTime":2192.049,"endTime":2195.179,"body":"different definitions, but if"},{"speaker":"Sammy Warrayat","startTime":2195.179,"endTime":2198.479,"body":"you're for the money category, if"},{"speaker":"Sammy Warrayat","startTime":2195.179,"endTime":2198.479,"body":"you're financially independent,"},{"speaker":"Sammy Warrayat","startTime":2198.529,"endTime":2199.729,"body":"you're able to do what you want."},{"speaker":"Sammy Warrayat","startTime":2199.729,"endTime":2202.069,"body":"You don't have to necessarily"},{"speaker":"Sammy Warrayat","startTime":2199.729,"endTime":2202.069,"body":"retire if you don't want to, if"},{"speaker":"Sammy Warrayat","startTime":2202.069,"endTime":2203.239,"body":"you love your job, that's awesome."},{"speaker":"Sammy Warrayat","startTime":2203.299,"endTime":2206.359,"body":"But being able to do"},{"speaker":"Sammy Warrayat","startTime":2203.299,"endTime":2206.359,"body":"what you want when you."},{"speaker":"Sammy Warrayat","startTime":2206.964,"endTime":2208.434,"body":"Is the financial piece of that."},{"speaker":"Sammy Warrayat","startTime":2208.464,"endTime":2212.654,"body":"The money piece of that the mental"},{"speaker":"Sammy Warrayat","startTime":2208.464,"endTime":2212.654,"body":"health, somebody who is not really"},{"speaker":"Sammy Warrayat","startTime":2213.044,"endTime":2216.214,"body":"who knows their emotions, who"},{"speaker":"Sammy Warrayat","startTime":2213.044,"endTime":2216.214,"body":"knows how to handle their emotions."},{"speaker":"Sammy Warrayat","startTime":2216.214,"endTime":2220.024,"body":"So it knows how to build relationships"},{"speaker":"Sammy Warrayat","startTime":2216.214,"endTime":2220.024,"body":"through, not being jealous, not being"},{"speaker":"Sammy Warrayat","startTime":2220.024,"endTime":2223.354,"body":"angry all the time, not being passive"},{"speaker":"Sammy Warrayat","startTime":2220.024,"endTime":2223.354,"body":"aggressive, all these negative types of"},{"speaker":"Sammy Warrayat","startTime":2223.734,"endTime":2227.184,"body":"people who aren't really healthy mentally,"},{"speaker":"Sammy Warrayat","startTime":2223.734,"endTime":2227.184,"body":"or they just have mental wellness issues"},{"speaker":"Sammy Warrayat","startTime":2227.184,"endTime":2228.744,"body":"like anxiety, depression, et cetera."},{"speaker":"Sammy Warrayat","startTime":2228.744,"endTime":2230.094,"body":"That's a really big in today's."},{"speaker":"Sammy Warrayat","startTime":2230.884,"endTime":2232.264,"body":"Partially because of social media."},{"speaker":"Sammy Warrayat","startTime":2232.264,"endTime":2236.494,"body":"I think probably a lot of it due to"},{"speaker":"Sammy Warrayat","startTime":2232.264,"endTime":2236.494,"body":"social media, but it's just the fact that"},{"speaker":"Sammy Warrayat","startTime":2236.494,"endTime":2240.034,"body":"there's so much comparison going on and"},{"speaker":"Sammy Warrayat","startTime":2236.494,"endTime":2240.034,"body":"people don't feel like they're enough."},{"speaker":"Sammy Warrayat","startTime":2240.144,"endTime":2244.084,"body":"So mental health has been really huge, I"},{"speaker":"Sammy Warrayat","startTime":2240.144,"endTime":2244.084,"body":"think in rightfully so it wasn't really"},{"speaker":"Sammy Warrayat","startTime":2244.084,"endTime":2245.884,"body":"like that, I guess 10, 20 years ago."},{"speaker":"Sammy Warrayat","startTime":2245.894,"endTime":2247.944,"body":"Physical health is always been important."},{"speaker":"Sammy Warrayat","startTime":2247.944,"endTime":2249.174,"body":"It's been really important to me."},{"speaker":"Sammy Warrayat","startTime":2249.564,"endTime":2253.084,"body":"And I think your body is, the most"},{"speaker":"Sammy Warrayat","startTime":2249.564,"endTime":2253.084,"body":"important thing you have to be"},{"speaker":"Sammy Warrayat","startTime":2253.084,"endTime":2254.494,"body":"able to be in control of your body."},{"speaker":"Sammy Warrayat","startTime":2254.494,"endTime":2257.134,"body":"You have to be able to, feel"},{"speaker":"Sammy Warrayat","startTime":2254.494,"endTime":2257.134,"body":"good, feel healthy, look good,"},{"speaker":"Sammy Warrayat","startTime":2257.134,"endTime":2258.784,"body":"feel good type of mentality."},{"speaker":"Sammy Warrayat","startTime":2259.024,"endTime":2263.884,"body":"So pairing a good physical frame with"},{"speaker":"Sammy Warrayat","startTime":2259.024,"endTime":2263.884,"body":"a healthy mind really helps you be"},{"speaker":"Sammy Warrayat","startTime":2263.914,"endTime":2266.224,"body":"able to do things that you want to do."},{"speaker":"Sammy Warrayat","startTime":2266.224,"endTime":2267.484,"body":"And you're not out of energy."},{"speaker":"Sammy Warrayat","startTime":2267.754,"endTime":2269.224,"body":"You don't lack the vitality."},{"speaker":"Sammy Warrayat","startTime":2269.444,"endTime":2271.484,"body":"You don't wake up groggy in"},{"speaker":"Sammy Warrayat","startTime":2269.444,"endTime":2271.484,"body":"the morning, stuff like that."},{"speaker":"Sammy Warrayat","startTime":2271.756,"endTime":2273.566,"body":"And career slash purpose."},{"speaker":"Sammy Warrayat","startTime":2273.781,"endTime":2277.141,"body":"If you had all the money in the world and"},{"speaker":"Sammy Warrayat","startTime":2273.781,"endTime":2277.141,"body":"you were healthy, but then you still see"},{"speaker":"Sammy Warrayat","startTime":2277.141,"endTime":2280.971,"body":"people not really live in life is I think"},{"speaker":"Sammy Warrayat","startTime":2277.141,"endTime":2280.971,"body":"it's because they're living an empty life."},{"speaker":"Sammy Warrayat","startTime":2281.361,"endTime":2284.601,"body":"You see a lot of people with the"},{"speaker":"Sammy Warrayat","startTime":2281.361,"endTime":2284.601,"body":"golden handcuffs even, which is,"},{"speaker":"Sammy Warrayat","startTime":2284.601,"endTime":2288.291,"body":"they have a high earning corporate"},{"speaker":"Sammy Warrayat","startTime":2284.601,"endTime":2288.291,"body":"career and they have enough money to"},{"speaker":"Sammy Warrayat","startTime":2288.291,"endTime":2290.721,"body":"do their family vacations every year."},{"speaker":"Sammy Warrayat","startTime":2291.111,"endTime":2293.271,"body":"And they have everything"},{"speaker":"Sammy Warrayat","startTime":2291.111,"endTime":2293.271,"body":"they really want, but just."},{"speaker":"Sammy Warrayat","startTime":2293.851,"endTime":2296.201,"body":"There they live in like"},{"speaker":"Sammy Warrayat","startTime":2293.851,"endTime":2296.201,"body":"in a shell of themselves."},{"speaker":"Sammy Warrayat","startTime":2296.201,"endTime":2297.791,"body":"I feel like it's the"},{"speaker":"Sammy Warrayat","startTime":2296.201,"endTime":2297.791,"body":"best way to describe it."},{"speaker":"Sammy Warrayat","startTime":2298.181,"endTime":2301.121,"body":"They don't really have that"},{"speaker":"Sammy Warrayat","startTime":2298.181,"endTime":2301.121,"body":"energy of working in your passion."},{"speaker":"Sammy Warrayat","startTime":2301.121,"endTime":2303.381,"body":"You mentioned earlier, if you're"},{"speaker":"Sammy Warrayat","startTime":2301.121,"endTime":2303.381,"body":"working in something that you"},{"speaker":"Sammy Warrayat","startTime":2303.381,"endTime":2306.231,"body":"love doing and you're getting paid"},{"speaker":"Sammy Warrayat","startTime":2303.381,"endTime":2306.231,"body":"doing it, is it really even work?"},{"speaker":"Sammy Warrayat","startTime":2306.261,"endTime":2307.354,"body":"Like it's not it's."},{"speaker":"Sammy Warrayat","startTime":2307.354,"endTime":2307.994,"body":"It's awesome."},{"speaker":"Sammy Warrayat","startTime":2308.074,"endTime":2312.874,"body":"So having that purposeful career is"},{"speaker":"Sammy Warrayat","startTime":2308.074,"endTime":2312.874,"body":"a very big, I think success metric to"},{"speaker":"Sammy Warrayat","startTime":2312.874,"endTime":2314.824,"body":"achieve in order to have happiness."},{"speaker":"Sammy Warrayat","startTime":2314.874,"endTime":2317.244,"body":"But even if you have all those"},{"speaker":"Sammy Warrayat","startTime":2314.874,"endTime":2317.244,"body":"three things and you're doing"},{"speaker":"Sammy Warrayat","startTime":2317.244,"endTime":2319.221,"body":"it alone, It's lonely, right?"},{"speaker":"Sammy Warrayat","startTime":2319.221,"endTime":2320.151,"body":"It's boring."},{"speaker":"Sammy Warrayat","startTime":2320.211,"endTime":2324.351,"body":"It's you can't have the quality"},{"speaker":"Sammy Warrayat","startTime":2320.211,"endTime":2324.351,"body":"relationships, what's it all for, if"},{"speaker":"Sammy Warrayat","startTime":2324.351,"endTime":2327.932,"body":"you're not sharing it with somebody or"},{"speaker":"Sammy Warrayat","startTime":2324.351,"endTime":2327.932,"body":"passing it on to somebody  it could be"},{"speaker":"Sammy Warrayat","startTime":2327.932,"endTime":2331.232,"body":"an empty world if you don't have any good"},{"speaker":"Sammy Warrayat","startTime":2327.932,"endTime":2331.232,"body":"quality relationships and relationship"},{"speaker":"Sammy Warrayat","startTime":2331.262,"endTime":2333.422,"body":"category is all about the quality of it."},{"speaker":"Sammy Warrayat","startTime":2333.422,"endTime":2336.902,"body":"To me, I don't really care"},{"speaker":"Sammy Warrayat","startTime":2333.422,"endTime":2336.902,"body":"about how many friends I have."},{"speaker":"Sammy Warrayat","startTime":2336.902,"endTime":2339.062,"body":"I care about, the ones"},{"speaker":"Sammy Warrayat","startTime":2336.902,"endTime":2339.062,"body":"that can count on the most."},{"speaker":"Sammy Warrayat","startTime":2339.062,"endTime":2340.052,"body":"And that goes with friends."},{"speaker":"Sammy Warrayat","startTime":2340.052,"endTime":2340.922,"body":"It goes with family."},{"speaker":"Sammy Warrayat","startTime":2340.922,"endTime":2343.382,"body":"It goes with in a significant other"},{"speaker":"Sammy Warrayat","startTime":2340.922,"endTime":2343.382,"body":"when you're in a relationship."},{"speaker":"Sammy Warrayat","startTime":2343.882,"endTime":2349.072,"body":"And to me, those are those all four"},{"speaker":"Sammy Warrayat","startTime":2343.882,"endTime":2349.072,"body":"kind of tie into the happiness."},{"speaker":"Sammy Warrayat","startTime":2349.492,"endTime":2353.902,"body":"It's hard to me to be happy overall, and"},{"speaker":"Sammy Warrayat","startTime":2349.492,"endTime":2353.902,"body":"you're not going to be happy a hundred"},{"speaker":"Sammy Warrayat","startTime":2353.902,"endTime":2356.902,"body":"percent of the time, even if you have"},{"speaker":"Sammy Warrayat","startTime":2353.902,"endTime":2356.902,"body":"all four of these things mastered."},{"speaker":"Sammy Warrayat","startTime":2356.911,"endTime":2357.589,"body":"To be happy."},{"speaker":"Sammy Warrayat","startTime":2357.589,"endTime":2361.399,"body":"And majority of the time it would, it's"},{"speaker":"Sammy Warrayat","startTime":2357.589,"endTime":2361.399,"body":"really hard to do that without being"},{"speaker":"Sammy Warrayat","startTime":2362.059,"endTime":2363.859,"body":"successful in any of the other four."},{"speaker":"Sammy Warrayat","startTime":2364.249,"endTime":2367.939,"body":"So I kind of have happiness at"},{"speaker":"Sammy Warrayat","startTime":2364.249,"endTime":2367.939,"body":"the end there, because it it's all"},{"speaker":"Sammy Warrayat","startTime":2368.299,"endTime":2370.058,"body":"streams of an ocean going together."},{"speaker":"Average Joe Finances","startTime":2370.194,"endTime":2371.634,"body":"Yeah, absolutely love that."},{"speaker":"Average Joe Finances","startTime":2371.634,"endTime":2372.204,"body":"Man, love that."},{"speaker":"Average Joe Finances","startTime":2372.204,"endTime":2373.554,"body":"Love this entire conversation."},{"speaker":"Average Joe Finances","startTime":2373.554,"endTime":2377.704,"body":"I feel like the two of us could chop"},{"speaker":"Average Joe Finances","startTime":2373.554,"endTime":2377.704,"body":"it up for hours, man but unfortunately"},{"speaker":"Average Joe Finances","startTime":2377.704,"endTime":2380.744,"body":"we can't because nobody's gonna"},{"speaker":"Average Joe Finances","startTime":2377.704,"endTime":2380.744,"body":"listen to a show that's 10 hours long."},{"speaker":"Average Joe Finances","startTime":2381.084,"endTime":2383.034,"body":"So I'm sure we could talk"},{"speaker":"Average Joe Finances","startTime":2381.084,"endTime":2383.034,"body":"for at least 10 hours."},{"speaker":"Average Joe Finances","startTime":2383.514,"endTime":2386.494,"body":"Until I run out of breath"},{"speaker":"Average Joe Finances","startTime":2383.514,"endTime":2386.494,"body":"here, but absolutely awesome."},{"speaker":"Average Joe Finances","startTime":2386.494,"endTime":2389.474,"body":"And now you had mentioned a book"},{"speaker":"Average Joe Finances","startTime":2386.494,"endTime":2389.474,"body":"earlier, but I, I want also want to"},{"speaker":"Average Joe Finances","startTime":2389.474,"endTime":2393.524,"body":"ask you too, if you have a favorite"},{"speaker":"Average Joe Finances","startTime":2389.474,"endTime":2393.524,"body":"business investing or real estate"},{"speaker":"Average Joe Finances","startTime":2393.524,"endTime":2395.984,"body":"related book or podcast besides your own,"},{"speaker":"Sammy Warrayat","startTime":2396.108,"endTime":2397.148,"body":"Favorite book."},{"speaker":"Sammy Warrayat","startTime":2397.588,"endTime":2400.353,"body":"I think it's always been in the"},{"speaker":"Sammy Warrayat","startTime":2397.588,"endTime":2400.353,"body":"top three, but I think my now my"},{"speaker":"Sammy Warrayat","startTime":2400.353,"endTime":2403.679,"body":"favorite book is Psycho-Cybernetics,"},{"speaker":"Sammy Warrayat","startTime":2400.353,"endTime":2403.679,"body":"it's an old book by Dr."},{"speaker":"Sammy Warrayat","startTime":2403.679,"endTime":2408.179,"body":"Maxwell Maltz has nothing to do"},{"speaker":"Sammy Warrayat","startTime":2403.679,"endTime":2408.179,"body":"with business or stocks or real"},{"speaker":"Sammy Warrayat","startTime":2408.179,"endTime":2412.259,"body":"estate, but it has a lot to do with"},{"speaker":"Sammy Warrayat","startTime":2408.179,"endTime":2412.259,"body":"how to understand your mind, how to"},{"speaker":"Sammy Warrayat","startTime":2412.259,"endTime":2418.139,"body":"understand your conditions and your"},{"speaker":"Sammy Warrayat","startTime":2412.259,"endTime":2418.139,"body":"sub subconscious and how to alter it."},{"speaker":"Sammy Warrayat","startTime":2418.349,"endTime":2421.319,"body":"And so you're not living on"},{"speaker":"Sammy Warrayat","startTime":2418.349,"endTime":2421.319,"body":"autopilot, which I think if"},{"speaker":"Sammy Warrayat","startTime":2421.319,"endTime":2422.629,"body":"you're able to master that."},{"speaker":"Sammy Warrayat","startTime":2422.779,"endTime":2426.019,"body":"Then you're able to do whatever"},{"speaker":"Sammy Warrayat","startTime":2422.779,"endTime":2426.019,"body":"you really want in business."},{"speaker":"Sammy Warrayat","startTime":2426.019,"endTime":2428.719,"body":"So you're not always fighting against"},{"speaker":"Sammy Warrayat","startTime":2426.019,"endTime":2428.719,"body":"yourself, not always finding it's your"},{"speaker":"Sammy Warrayat","startTime":2428.719,"endTime":2430.309,"body":"preconceived notions and stuff like that."},{"speaker":"Sammy Warrayat","startTime":2430.669,"endTime":2433.629,"body":"And it helps with people who"},{"speaker":"Sammy Warrayat","startTime":2430.669,"endTime":2433.629,"body":"are fighting, self-confidence"},{"speaker":"Sammy Warrayat","startTime":2433.629,"endTime":2434.859,"body":"issues and so forth issues."},{"speaker":"Sammy Warrayat","startTime":2434.859,"endTime":2437.146,"body":"So Psycho-Cybernetics is a great book."},{"speaker":"Sammy Warrayat","startTime":2437.636,"endTime":2440.966,"body":"It's like a book in the fifties,"},{"speaker":"Sammy Warrayat","startTime":2437.636,"endTime":2440.966,"body":"but it still is awesome to me."},{"speaker":"Sammy Warrayat","startTime":2440.996,"endTime":2441.356,"body":"Yeah."},{"speaker":"Sammy Warrayat","startTime":2441.866,"endTime":2444.606,"body":"And then podcasts, there's"},{"speaker":"Sammy Warrayat","startTime":2441.866,"endTime":2444.606,"body":"a lot of good ones."},{"speaker":"Sammy Warrayat","startTime":2444.636,"endTime":2446.286,"body":"I've actually been recently on."},{"speaker":"Sammy Warrayat","startTime":2446.495,"endTime":2447.205,"body":"What is it called?"},{"speaker":"Sammy Warrayat","startTime":2447.235,"endTime":2450.755,"body":"The learning leader show with Ryan"},{"speaker":"Sammy Warrayat","startTime":2447.235,"endTime":2450.755,"body":"Hawk and he's he has some really"},{"speaker":"Sammy Warrayat","startTime":2450.755,"endTime":2456.005,"body":"interesting people about business,"},{"speaker":"Sammy Warrayat","startTime":2450.755,"endTime":2456.005,"body":"about management, about leadership and"},{"speaker":"Sammy Warrayat","startTime":2456.185,"endTime":2458.615,"body":"just, he has some great guys as well."},{"speaker":"Sammy Warrayat","startTime":2458.615,"endTime":2462.345,"body":"Like Patrick Lencioni is a"},{"speaker":"Sammy Warrayat","startTime":2458.615,"endTime":2462.345,"body":"common guest on that show."},{"speaker":"Sammy Warrayat","startTime":2462.385,"endTime":2464.035,"body":"It was on of my favorite authors as well."},{"speaker":"Sammy Warrayat","startTime":2464.425,"endTime":2465.745,"body":"So he's just got a really good."},{"speaker":"Sammy Warrayat","startTime":2466.445,"endTime":2468.665,"body":"Corporate, he has a sales"},{"speaker":"Sammy Warrayat","startTime":2466.445,"endTime":2468.665,"body":"background, so he talks a little"},{"speaker":"Sammy Warrayat","startTime":2468.665,"endTime":2470.195,"body":"bit about his sales background."},{"speaker":"Sammy Warrayat","startTime":2470.525,"endTime":2475.085,"body":"He's the brother of AJ Hawker Packers, a"},{"speaker":"Sammy Warrayat","startTime":2470.525,"endTime":2475.085,"body":"legend for those guys who watch football."},{"speaker":"Sammy Warrayat","startTime":2475.265,"endTime":2477.605,"body":"So he came on the show a"},{"speaker":"Sammy Warrayat","startTime":2475.265,"endTime":2477.605,"body":"couple of times as well."},{"speaker":"Sammy Warrayat","startTime":2477.605,"endTime":2479.645,"body":"And it's got a lot of"},{"speaker":"Sammy Warrayat","startTime":2477.605,"endTime":2479.645,"body":"different perspectives."},{"speaker":"Sammy Warrayat","startTime":2479.705,"endTime":2481.255,"body":"He's a great interviewer as well."},{"speaker":"Sammy Warrayat","startTime":2481.265,"endTime":2482.855,"body":"His conversations are always good on that."},{"speaker":"Average Joe Finances","startTime":2483.42,"endTime":2484.09,"body":"Awesome Sammy."},{"speaker":"Average Joe Finances","startTime":2484.11,"endTime":2485.22,"body":"Great recommendations."},{"speaker":"Average Joe Finances","startTime":2485.22,"endTime":2486.27,"body":"Really appreciate that."},{"speaker":"Average Joe Finances","startTime":2486.27,"endTime":2488.89,"body":"So now Sammy has his own podcast, right?"},{"speaker":"Average Joe Finances","startTime":2488.89,"endTime":2490.69,"body":"The successful millennials podcast."},{"speaker":"Average Joe Finances","startTime":2490.97,"endTime":2494.06,"body":"I'm going to ask you the most important"},{"speaker":"Average Joe Finances","startTime":2490.97,"endTime":2494.06,"body":"question this entire interview, right?"},{"speaker":"Average Joe Finances","startTime":2494.06,"endTime":2496.95,"body":"Because we're sitting here having"},{"speaker":"Average Joe Finances","startTime":2494.06,"endTime":2496.95,"body":"this awesome conversation and our"},{"speaker":"Average Joe Finances","startTime":2496.95,"endTime":2501.12,"body":"listeners right now are thinking, man,"},{"speaker":"Average Joe Finances","startTime":2496.95,"endTime":2501.12,"body":"I really like what Sammy's putting out."},{"speaker":"Average Joe Finances","startTime":2501.12,"endTime":2502.32,"body":"This is some really good stuff."},{"speaker":"Average Joe Finances","startTime":2502.61,"endTime":2505.34,"body":"Tired of hearing Mike, I want to"},{"speaker":"Average Joe Finances","startTime":2502.61,"endTime":2505.34,"body":"know more about what Sam's doing."},{"speaker":"Average Joe Finances","startTime":2505.34,"endTime":2507.26,"body":"Where can people find more"},{"speaker":"Average Joe Finances","startTime":2505.34,"endTime":2507.26,"body":"information about you?"},{"speaker":"Average Joe Finances","startTime":2507.29,"endTime":2510.07,"body":"You have a website, social media,"},{"speaker":"Average Joe Finances","startTime":2507.29,"endTime":2510.07,"body":"you could share with us a, I know we"},{"speaker":"Average Joe Finances","startTime":2510.07,"endTime":2513.67,"body":"could find the successful millennials"},{"speaker":"Average Joe Finances","startTime":2510.07,"endTime":2513.67,"body":"podcasts everywhere that podcasts are"},{"speaker":"Average Joe Finances","startTime":2513.67,"endTime":2515.47,"body":"out, but where else can we find you?"},{"speaker":"Sammy Warrayat","startTime":2515.77,"endTime":2517.89,"body":"Yeah, like I said"},{"speaker":"Sammy Warrayat","startTime":2515.77,"endTime":2517.89,"body":"all the shooting platforms that"},{"speaker":"Sammy Warrayat","startTime":2517.89,"endTime":2521.35,"body":"they have it there, but Instagram"},{"speaker":"Sammy Warrayat","startTime":2517.89,"endTime":2521.35,"body":"and email is probably the best way."},{"speaker":"Sammy Warrayat","startTime":2521.35,"endTime":2526.295,"body":"So financezilla is my Instagram"},{"speaker":"Sammy Warrayat","startTime":2521.35,"endTime":2526.295,"body":"handle as well as the company."},{"speaker":"Sammy Warrayat","startTime":2526.325,"endTime":2530.135,"body":"So you could find the website"},{"speaker":"Sammy Warrayat","startTime":2526.325,"endTime":2530.135,"body":"is financezilla.net as well, but"},{"speaker":"Sammy Warrayat","startTime":2530.575,"endTime":2531.835,"body":"Instagram, probably the best way."},{"speaker":"Sammy Warrayat","startTime":2531.905,"endTime":2535.495,"body":"A lot of people, my age are"},{"speaker":"Sammy Warrayat","startTime":2531.905,"endTime":2535.495,"body":"probably on Instagram as well."},{"speaker":"Sammy Warrayat","startTime":2535.855,"endTime":2538.025,"body":"And then email is financezilla@gmail.com."},{"speaker":"Sammy Warrayat","startTime":2538.045,"endTime":2540.105,"body":"So it's pretty much fine"},{"speaker":"Sammy Warrayat","startTime":2538.045,"endTime":2540.105,"body":"until across all the boards."},{"speaker":"Average Joe Finances","startTime":2540.317,"endTime":2540.887,"body":"Right on, man."},{"speaker":"Average Joe Finances","startTime":2540.887,"endTime":2543.857,"body":"We'll make sure we have the links in"},{"speaker":"Average Joe Finances","startTime":2540.887,"endTime":2543.857,"body":"your contact information in the show"},{"speaker":"Average Joe Finances","startTime":2543.857,"endTime":2545.447,"body":"notes to make it easy for everybody."},{"speaker":"Average Joe Finances","startTime":2545.757,"endTime":2548.277,"body":"Sammy dude, this has been"},{"speaker":"Average Joe Finances","startTime":2545.757,"endTime":2548.277,"body":"an absolute pleasure."},{"speaker":"Average Joe Finances","startTime":2548.307,"endTime":2550.527,"body":"Like I said, I could chop"},{"speaker":"Average Joe Finances","startTime":2548.307,"endTime":2550.527,"body":"it up with you all day, man."},{"speaker":"Average Joe Finances","startTime":2550.587,"endTime":2553.737,"body":"So definitely want to stay in"},{"speaker":"Average Joe Finances","startTime":2550.587,"endTime":2553.737,"body":"touch when this is over for sure."},{"speaker":"Average Joe Finances","startTime":2554.017,"endTime":2557.887,"body":"But this has been a phenomenal interview"},{"speaker":"Average Joe Finances","startTime":2554.017,"endTime":2557.887,"body":"and the information that you're putting"},{"speaker":"Average Joe Finances","startTime":2557.887,"endTime":2560.947,"body":"out and your five categories of success."},{"speaker":"Average Joe Finances","startTime":2560.947,"endTime":2565.597,"body":"This is just really good stuff and"},{"speaker":"Average Joe Finances","startTime":2560.947,"endTime":2565.597,"body":"it ties a lot into what we talk about"},{"speaker":"Average Joe Finances","startTime":2565.597,"endTime":2570.04,"body":"here at average, Joe finances and you"},{"speaker":"Average Joe Finances","startTime":2565.597,"endTime":2570.04,"body":"just, you get it with the common people"},{"speaker":"Average Joe Finances","startTime":2570.04,"endTime":2571.39,"body":"struggle, you know what I'm saying?"},{"speaker":"Average Joe Finances","startTime":2571.39,"endTime":2575.55,"body":"So it's really awesome to get another"},{"speaker":"Average Joe Finances","startTime":2571.39,"endTime":2575.55,"body":"perspective like yours on the show and"},{"speaker":"Average Joe Finances","startTime":2575.55,"endTime":2579.15,"body":"somebody who has a similar perspective"},{"speaker":"Average Joe Finances","startTime":2575.55,"endTime":2579.15,"body":"to mine, but is doing it a little"},{"speaker":"Average Joe Finances","startTime":2579.15,"endTime":2581.34,"body":"bit different in the swing trading."},{"speaker":"Average Joe Finances","startTime":2581.37,"endTime":2584.39,"body":"And I just think it's really"},{"speaker":"Average Joe Finances","startTime":2581.37,"endTime":2584.39,"body":"awesome to get this perspective."},{"speaker":"Average Joe Finances","startTime":2584.39,"endTime":2588.23,"body":"So again, Sammy, thank you so much"},{"speaker":"Average Joe Finances","startTime":2584.39,"endTime":2588.23,"body":"for taking some time on a Saturday"},{"speaker":"Average Joe Finances","startTime":2588.23,"endTime":2589.36,"body":"to to join me on the show today."},{"speaker":"Sammy Warrayat","startTime":2590.27,"endTime":2591.35,"body":"Mike, this is my honor."},{"speaker":"Sammy Warrayat","startTime":2591.35,"endTime":2593.66,"body":"I was really looking forward"},{"speaker":"Sammy Warrayat","startTime":2591.35,"endTime":2593.66,"body":"to this episode for a while."},{"speaker":"Sammy Warrayat","startTime":2593.66,"endTime":2596.66,"body":"Cause like you said, I feel like we"},{"speaker":"Sammy Warrayat","startTime":2593.66,"endTime":2596.66,"body":"could talk for awhile, both have similar"},{"speaker":"Sammy Warrayat","startTime":2596.66,"endTime":2599.99,"body":"interests and I really enjoyed this"},{"speaker":"Sammy Warrayat","startTime":2596.66,"endTime":2599.99,"body":"conversation and definitely keep in touch."},{"speaker":"Average Joe Finances","startTime":2600.29,"endTime":2600.92,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":2600.92,"endTime":2601.22,"body":"Man."},{"speaker":"Average Joe Finances","startTime":2601.22,"endTime":2602.3,"body":"Aloha from Hawaii."}]}