{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.149,"endTime":1.259,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.149,"endTime":1.259,"body":"how's it going everybody."},{"speaker":"Average Joe Finances","startTime":1.259,"endTime":3.719,"body":"Welcome back to the average"},{"speaker":"Average Joe Finances","startTime":1.259,"endTime":3.719,"body":"show finances podcast."},{"speaker":"Average Joe Finances","startTime":3.96,"endTime":5.639,"body":"And today's guest is Dr."},{"speaker":"Average Joe Finances","startTime":5.639,"endTime":7.9,"body":"Susan Lobbuck  so Dr."},{"speaker":"Average Joe Finances","startTime":7.9,"endTime":10.9,"body":"Lobbuck really excited to"},{"speaker":"Average Joe Finances","startTime":7.9,"endTime":10.9,"body":"have you on the show today."},{"speaker":"Average Joe Finances","startTime":11.079,"endTime":14.32,"body":"You have an impressive background"},{"speaker":"Average Joe Finances","startTime":11.079,"endTime":14.32,"body":"and I'm looking forward to"},{"speaker":"Average Joe Finances","startTime":14.32,"endTime":15.16,"body":"talking about your book."},{"speaker":"Dr. Susan Laubach","startTime":15.402,"endTime":16.032,"body":"Thank you."},{"speaker":"Dr. Susan Laubach","startTime":16.062,"endTime":16.812,"body":"Thank you, Mike."},{"speaker":"Dr. Susan Laubach","startTime":16.812,"endTime":17.742,"body":"I'm so glad to be"},{"speaker":"Average Joe Finances","startTime":17.742,"endTime":17.982,"body":"here."},{"speaker":"Average Joe Finances","startTime":18.132,"endTime":21.942,"body":"So I'd like to start this off with the"},{"speaker":"Average Joe Finances","startTime":18.132,"endTime":21.942,"body":"same question I ask every guest that"},{"speaker":"Average Joe Finances","startTime":21.942,"endTime":25.272,"body":"comes on the show and if you could share"},{"speaker":"Average Joe Finances","startTime":21.942,"endTime":25.272,"body":"a little bit about yourself and share"},{"speaker":"Average Joe Finances","startTime":25.272,"endTime":29.998,"body":"your story,  what got you into to writing"},{"speaker":"Average Joe Finances","startTime":25.272,"endTime":29.998,"body":"made you want to write about an investing?"},{"speaker":"Dr. Susan Laubach","startTime":30.05,"endTime":32.69,"body":"I was in the"},{"speaker":"Dr. Susan Laubach","startTime":30.05,"endTime":32.69,"body":"investment business for many years."},{"speaker":"Dr. Susan Laubach","startTime":32.72,"endTime":34.16,"body":"I was a stockbroker."},{"speaker":"Dr. Susan Laubach","startTime":34.16,"endTime":38.377,"body":"I was a manager of stockbrokers"},{"speaker":"Dr. Susan Laubach","startTime":34.16,"endTime":38.377,"body":"at trainer of stockbrokers."},{"speaker":"Dr. Susan Laubach","startTime":38.527,"endTime":40.566,"body":"And I really loved the business."},{"speaker":"Dr. Susan Laubach","startTime":40.633,"endTime":44.996,"body":"And I found that there were so many"},{"speaker":"Dr. Susan Laubach","startTime":40.633,"endTime":44.996,"body":"people, my clients included and the"},{"speaker":"Dr. Susan Laubach","startTime":44.996,"endTime":49.775,"body":"people that I were, I was teaching"},{"speaker":"Dr. Susan Laubach","startTime":44.996,"endTime":49.775,"body":"that,  had certain fears about getting"},{"speaker":"Dr. Susan Laubach","startTime":49.775,"endTime":54.998,"body":"into the market and a lot of basic"},{"speaker":"Dr. Susan Laubach","startTime":49.775,"endTime":54.998,"body":"misunderstandings about,  the market."},{"speaker":"Dr. Susan Laubach","startTime":55.148,"endTime":61.629,"body":"And I thought that it would be an easy"},{"speaker":"Dr. Susan Laubach","startTime":55.148,"endTime":61.629,"body":"way for people to learn and remember,"},{"speaker":"Dr. Susan Laubach","startTime":61.689,"endTime":64.329,"body":"particularly remember, certain concepts."},{"speaker":"Dr. Susan Laubach","startTime":64.329,"endTime":64.806,"body":"If I put."},{"speaker":"Dr. Susan Laubach","startTime":64.956,"endTime":66.546,"body":"Into story form."},{"speaker":"Dr. Susan Laubach","startTime":66.846,"endTime":69.876,"body":"And, so I, and I really enjoy doing that."},{"speaker":"Dr. Susan Laubach","startTime":70.176,"endTime":72.996,"body":"And I have been writing for a long time."},{"speaker":"Dr. Susan Laubach","startTime":73.046,"endTime":75.926,"body":"I had written several"},{"speaker":"Dr. Susan Laubach","startTime":73.046,"endTime":75.926,"body":"books prior to this one."},{"speaker":"Dr. Susan Laubach","startTime":76.226,"endTime":77.996,"body":"I wrote, you've got children."},{"speaker":"Dr. Susan Laubach","startTime":78.056,"endTime":80.396,"body":"I wrote children's books for my children."},{"speaker":"Dr. Susan Laubach","startTime":80.696,"endTime":84.836,"body":"And when they grew out of the"},{"speaker":"Dr. Susan Laubach","startTime":80.696,"endTime":84.836,"body":"children's book phase, I started"},{"speaker":"Dr. Susan Laubach","startTime":84.836,"endTime":87.116,"body":"to write more for adults."},{"speaker":"Dr. Susan Laubach","startTime":87.416,"endTime":90.506,"body":"And by the title of my book,"},{"speaker":"Dr. Susan Laubach","startTime":87.416,"endTime":90.506,"body":"you might think that it was only"},{"speaker":"Dr. Susan Laubach","startTime":90.506,"endTime":92.066,"body":"for children, but it is not."},{"speaker":"Dr. Susan Laubach","startTime":92.306,"endTime":96.686,"body":"It is for, oh, anybody who's"},{"speaker":"Dr. Susan Laubach","startTime":92.306,"endTime":96.686,"body":"interested in getting into the"},{"speaker":"Dr. Susan Laubach","startTime":96.686,"endTime":98.526,"body":"investment business, the market."},{"speaker":"Average Joe Finances","startTime":98.676,"endTime":98.826,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":98.826,"endTime":99.61,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":99.61,"endTime":102.228,"body":"And, you would think by hearing"},{"speaker":"Average Joe Finances","startTime":99.61,"endTime":102.228,"body":"that name that you would think"},{"speaker":"Average Joe Finances","startTime":102.228,"endTime":103.848,"body":"maybe it is a children's book."},{"speaker":"Average Joe Finances","startTime":104.068,"endTime":107.11,"body":"I gotta tell ya there's there"},{"speaker":"Average Joe Finances","startTime":104.068,"endTime":107.11,"body":"is,  there are plenty of children's"},{"speaker":"Average Joe Finances","startTime":107.11,"endTime":108.307,"body":"books out there that I think."},{"speaker":"Average Joe Finances","startTime":108.457,"endTime":109.897,"body":"Would provide value to adults."},{"speaker":"Average Joe Finances","startTime":109.957,"endTime":112.027,"body":"Anyway, as a matter of fact,"},{"speaker":"Average Joe Finances","startTime":109.957,"endTime":112.027,"body":"there's one book I have my"},{"speaker":"Average Joe Finances","startTime":112.027,"endTime":113.047,"body":"daughter's reading right now."},{"speaker":"Average Joe Finances","startTime":113.137,"endTime":116.264,"body":"It's a children's books how to turn"},{"speaker":"Average Joe Finances","startTime":113.137,"endTime":116.264,"body":"a hundred dollars into a million"},{"speaker":"Average Joe Finances","startTime":116.264,"endTime":120.331,"body":"dollars and I read it with them and"},{"speaker":"Average Joe Finances","startTime":116.264,"endTime":120.331,"body":"I'm like,  this really has a good"},{"speaker":"Average Joe Finances","startTime":120.361,"endTime":126.057,"body":"foundation to it, to help children"},{"speaker":"Average Joe Finances","startTime":120.361,"endTime":126.057,"body":"understand compound interest too early."},{"speaker":"Average Joe Finances","startTime":126.057,"endTime":126.447,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":126.527,"endTime":126.977,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":126.977,"endTime":129.307,"body":"And that's what I think is"},{"speaker":"Average Joe Finances","startTime":126.977,"endTime":129.307,"body":"super amazing about that."},{"speaker":"Average Joe Finances","startTime":129.457,"endTime":131.317,"body":"So talking about your book, right?"},{"speaker":"Average Joe Finances","startTime":131.387,"endTime":133.927,"body":"Rumpelstiltskin's rules for"},{"speaker":"Average Joe Finances","startTime":131.387,"endTime":133.927,"body":"making your farthings grow."},{"speaker":"Average Joe Finances","startTime":133.927,"endTime":137.947,"body":"So now for those that don't"},{"speaker":"Average Joe Finances","startTime":133.927,"endTime":137.947,"body":"know what farthings are, right."},{"speaker":"Average Joe Finances","startTime":137.947,"endTime":140.805,"body":"If you're into any type of fantasy"},{"speaker":"Average Joe Finances","startTime":137.947,"endTime":140.805,"body":"or  you see it, especially like"},{"speaker":"Average Joe Finances","startTime":140.805,"endTime":143.305,"body":"in Robin hood and other, stories."},{"speaker":"Average Joe Finances","startTime":143.605,"endTime":144.205,"body":"You'll see."},{"speaker":"Average Joe Finances","startTime":144.274,"endTime":147.634,"body":"You'll hear farthings a lot often,"},{"speaker":"Average Joe Finances","startTime":144.274,"endTime":147.634,"body":"and that's a form of currency, right?"},{"speaker":"Average Joe Finances","startTime":147.634,"endTime":147.974,"body":"It's money."},{"speaker":"Average Joe Finances","startTime":147.974,"endTime":148.594,"body":"It's farthings."},{"speaker":"Average Joe Finances","startTime":148.788,"endTime":152.834,"body":"What I really like about that is,"},{"speaker":"Average Joe Finances","startTime":148.788,"endTime":152.834,"body":"especially with Rumpelstiltskin, because"},{"speaker":"Average Joe Finances","startTime":152.864,"endTime":156.236,"body":"when you think about Rumpelstiltskin"},{"speaker":"Average Joe Finances","startTime":152.864,"endTime":156.236,"body":"in general, you think of, his whole"},{"speaker":"Average Joe Finances","startTime":156.236,"endTime":158.113,"body":"thing was, spinning, spinning."},{"speaker":"Average Joe Finances","startTime":158.179,"endTime":161.289,"body":"Was it hay into gold, right?"},{"speaker":"Average Joe Finances","startTime":161.319,"endTime":161.589,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":161.589,"endTime":165.339,"body":"So his whole thing was about,"},{"speaker":"Average Joe Finances","startTime":161.589,"endTime":165.339,"body":"essentially in his own."},{"speaker":"Average Joe Finances","startTime":165.535,"endTime":169.864,"body":"Really sadistic way,  with cursing"},{"speaker":"Average Joe Finances","startTime":165.535,"endTime":169.864,"body":"people,  was growing his wealth."},{"speaker":"Average Joe Finances","startTime":170.064,"endTime":173.893,"body":"So I thought it was,  I thought the name"},{"speaker":"Average Joe Finances","startTime":170.064,"endTime":173.893,"body":"was very clever, and he's a good guy."},{"speaker":"Average Joe Finances","startTime":174.056,"endTime":174.995,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":174.995,"endTime":176.718,"body":"And then you got to figure"},{"speaker":"Average Joe Finances","startTime":174.995,"endTime":176.718,"body":"out his name and go ahead and"},{"speaker":"Average Joe Finances","startTime":176.718,"endTime":178.213,"body":"pronounce that, just looking at it."},{"speaker":"Average Joe Finances","startTime":178.213,"endTime":178.753,"body":"You're like, Ooh."},{"speaker":"Average Joe Finances","startTime":178.993,"endTime":180.556,"body":"And then, but if you know"},{"speaker":"Average Joe Finances","startTime":178.993,"endTime":180.556,"body":"the story, the story."},{"speaker":"Average Joe Finances","startTime":180.706,"endTime":180.976,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":181.061,"endTime":181.361,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":181.391,"endTime":181.931,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":182.021,"endTime":182.261,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":182.303,"endTime":183.623,"body":"It's just, it's really exciting."},{"speaker":"Average Joe Finances","startTime":183.629,"endTime":186.508,"body":"It's definitely a different take,"},{"speaker":"Average Joe Finances","startTime":183.629,"endTime":186.508,"body":"something that, you can read a book"},{"speaker":"Average Joe Finances","startTime":186.508,"endTime":190.641,"body":"like that and get an understanding, but"},{"speaker":"Average Joe Finances","startTime":186.508,"endTime":190.641,"body":"it's more, more of an allegory, right?"},{"speaker":"Average Joe Finances","startTime":190.641,"endTime":193.271,"body":"Because it's or a metaphor,  I"},{"speaker":"Average Joe Finances","startTime":190.641,"endTime":193.271,"body":"dunno, I like to tie things"},{"speaker":"Average Joe Finances","startTime":193.271,"endTime":194.791,"body":"into stuff that's relatable."},{"speaker":"Average Joe Finances","startTime":195.011,"endTime":198.88,"body":"And I feel something like that just"},{"speaker":"Average Joe Finances","startTime":195.011,"endTime":198.88,"body":"makes it more relatable for other"},{"speaker":"Average Joe Finances","startTime":198.88,"endTime":203.14,"body":"people that don't want to sit here and"},{"speaker":"Average Joe Finances","startTime":198.88,"endTime":203.14,"body":"read the black and white on investing."},{"speaker":"Dr. Susan Laubach","startTime":203.314,"endTime":203.524,"body":"Yeah."},{"speaker":"Dr. Susan Laubach","startTime":203.524,"endTime":204.214,"body":"You're so right."},{"speaker":"Dr. Susan Laubach","startTime":204.214,"endTime":204.874,"body":"You're so right."},{"speaker":"Dr. Susan Laubach","startTime":204.874,"endTime":211.234,"body":"And each one of these rules I've"},{"speaker":"Dr. Susan Laubach","startTime":204.874,"endTime":211.234,"body":"embedded into well-known fairy tales."},{"speaker":"Dr. Susan Laubach","startTime":211.534,"endTime":215.734,"body":"And so we have Rumpelstiltskin"},{"speaker":"Dr. Susan Laubach","startTime":211.534,"endTime":215.734,"body":"who in the book is running."},{"speaker":"Dr. Susan Laubach","startTime":216.034,"endTime":218.824,"body":"His own investment banking firm."},{"speaker":"Dr. Susan Laubach","startTime":219.02,"endTime":224.943,"body":"And he is telling these various"},{"speaker":"Dr. Susan Laubach","startTime":219.02,"endTime":224.943,"body":"stories, which in each one"},{"speaker":"Dr. Susan Laubach","startTime":224.943,"endTime":227.073,"body":"of them, there is a rule."},{"speaker":"Dr. Susan Laubach","startTime":227.373,"endTime":232.653,"body":"What I would have to say is a concept,"},{"speaker":"Dr. Susan Laubach","startTime":227.373,"endTime":232.653,"body":"a guidance principle for people who"},{"speaker":"Dr. Susan Laubach","startTime":232.653,"endTime":237.303,"body":"are interested in getting into, or who"},{"speaker":"Dr. Susan Laubach","startTime":232.653,"endTime":237.303,"body":"are already in the investment market."},{"speaker":"Dr. Susan Laubach","startTime":237.603,"endTime":242.69,"body":"So when I use, various,  stories"},{"speaker":"Dr. Susan Laubach","startTime":237.603,"endTime":242.69,"body":"that are well known to us, but"},{"speaker":"Dr. Susan Laubach","startTime":242.78,"endTime":246.74,"body":"there may be some young people who"},{"speaker":"Dr. Susan Laubach","startTime":242.78,"endTime":246.74,"body":"really don't know these stories."},{"speaker":"Dr. Susan Laubach","startTime":246.74,"endTime":252.77,"body":"They're easily found actually of the"},{"speaker":"Dr. Susan Laubach","startTime":246.74,"endTime":252.77,"body":"sleeping beauty and Goldie locks, the"},{"speaker":"Dr. Susan Laubach","startTime":252.77,"endTime":255.53,"body":"three bears and emperor's new clothes."},{"speaker":"Dr. Susan Laubach","startTime":255.691,"endTime":257.961,"body":"I use that one as well."},{"speaker":"Dr. Susan Laubach","startTime":258.111,"endTime":261.681,"body":"But I had a lot of fun writing them"},{"speaker":"Dr. Susan Laubach","startTime":258.111,"endTime":261.681,"body":"because I made them pretty silly."},{"speaker":"Average Joe Finances","startTime":261.862,"endTime":263.592,"body":"You have to"},{"speaker":"Average Joe Finances","startTime":261.862,"endTime":263.592,"body":"have fun doing something like that."},{"speaker":"Average Joe Finances","startTime":263.611,"endTime":267.084,"body":"Because if you're not having fun"},{"speaker":"Average Joe Finances","startTime":263.611,"endTime":267.084,"body":"with it, then you know, how are your"},{"speaker":"Average Joe Finances","startTime":267.084,"endTime":268.404,"body":"readers going to have fun with it?"},{"speaker":"Average Joe Finances","startTime":268.704,"endTime":268.984,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":269.114,"endTime":270.074,"body":"That's yeah."},{"speaker":"Average Joe Finances","startTime":270.254,"endTime":275.295,"body":"But, it creates a form of excitement"},{"speaker":"Average Joe Finances","startTime":270.254,"endTime":275.295,"body":"and,  it makes people want to"},{"speaker":"Average Joe Finances","startTime":275.355,"endTime":277.098,"body":"learn a little bit more about that."},{"speaker":"Average Joe Finances","startTime":277.129,"endTime":282.125,"body":"Because a lot of times, people don't"},{"speaker":"Average Joe Finances","startTime":277.129,"endTime":282.125,"body":"really focus or at least it's not embedded"},{"speaker":"Average Joe Finances","startTime":282.185,"endTime":286.946,"body":"in our education system to teach financial"},{"speaker":"Average Joe Finances","startTime":282.185,"endTime":286.946,"body":"literacy,  especially the young people."},{"speaker":"Average Joe Finances","startTime":286.976,"endTime":290.756,"body":"I didn't really understand"},{"speaker":"Average Joe Finances","startTime":286.976,"endTime":290.756,"body":"my finances until I was in my"},{"speaker":"Average Joe Finances","startTime":290.786,"endTime":292.317,"body":"early thirties, which is sad."},{"speaker":"Dr. Susan Laubach","startTime":292.691,"endTime":295.421,"body":"When I was on"},{"speaker":"Dr. Susan Laubach","startTime":292.691,"endTime":295.421,"body":"the economic education committee for"},{"speaker":"Dr. Susan Laubach","startTime":295.421,"endTime":300.956,"body":"the securities industry association,"},{"speaker":"Dr. Susan Laubach","startTime":295.421,"endTime":300.956,"body":"we've learned, we knew at that point"},{"speaker":"Dr. Susan Laubach","startTime":301.109,"endTime":303.784,"body":"that,  actually economic education."},{"speaker":"Dr. Susan Laubach","startTime":304.342,"endTime":309.862,"body":"Had been required in schools for"},{"speaker":"Dr. Susan Laubach","startTime":304.342,"endTime":309.862,"body":"years, but it was never taught."},{"speaker":"Dr. Susan Laubach","startTime":310.162,"endTime":313.132,"body":"It w it was rarely taught, I should say."},{"speaker":"Dr. Susan Laubach","startTime":313.432,"endTime":318.277,"body":"And,  our committee ran something called"},{"speaker":"Dr. Susan Laubach","startTime":313.432,"endTime":318.277,"body":"at the time, the stock market game."},{"speaker":"Dr. Susan Laubach","startTime":318.436,"endTime":323.183,"body":"I do think the stock market game is"},{"speaker":"Dr. Susan Laubach","startTime":318.436,"endTime":323.183,"body":"still played across the nation, in high"},{"speaker":"Dr. Susan Laubach","startTime":323.183,"endTime":327.368,"body":"schools, but it is, matter of fact, I"},{"speaker":"Dr. Susan Laubach","startTime":323.183,"endTime":327.368,"body":"think it even goes down to,  junior high"},{"speaker":"Dr. Susan Laubach","startTime":327.368,"endTime":329.547,"body":"schools, but,  I don't believe the SIS."},{"speaker":"Dr. Susan Laubach","startTime":329.592,"endTime":331.062,"body":"Sponsors at anymore."},{"speaker":"Dr. Susan Laubach","startTime":331.13,"endTime":334.769,"body":"It's passed over to another,"},{"speaker":"Dr. Susan Laubach","startTime":331.13,"endTime":334.769,"body":"economic education group."},{"speaker":"Dr. Susan Laubach","startTime":334.919,"endTime":339.816,"body":"But that was meant to teach kids"},{"speaker":"Dr. Susan Laubach","startTime":334.919,"endTime":339.816,"body":"how to invest, how to, read an"},{"speaker":"Dr. Susan Laubach","startTime":339.816,"endTime":345.255,"body":"annual report, how to, understand"},{"speaker":"Dr. Susan Laubach","startTime":339.816,"endTime":345.255,"body":"a company before they invest in it."},{"speaker":"Dr. Susan Laubach","startTime":345.255,"endTime":348.111,"body":"And that was a very good thing,"},{"speaker":"Dr. Susan Laubach","startTime":345.255,"endTime":348.111,"body":"but not everybody played the"},{"speaker":"Dr. Susan Laubach","startTime":348.111,"endTime":351.701,"body":"stock market game coming out of"},{"speaker":"Dr. Susan Laubach","startTime":348.111,"endTime":351.701,"body":"high school, knowing anything."},{"speaker":"Dr. Susan Laubach","startTime":352.001,"endTime":355.121,"body":"Companies and how to invest"},{"speaker":"Dr. Susan Laubach","startTime":352.001,"endTime":355.121,"body":"in them and how to value them."},{"speaker":"Dr. Susan Laubach","startTime":355.421,"endTime":357.251,"body":"Most people like you."},{"speaker":"Dr. Susan Laubach","startTime":357.251,"endTime":360.221,"body":"And I had to learn by doing"},{"speaker":"Average Joe Finances","startTime":360.521,"endTime":360.841,"body":"yeah."},{"speaker":"Average Joe Finances","startTime":361.061,"endTime":364.691,"body":"Learn by doing or by being"},{"speaker":"Average Joe Finances","startTime":361.061,"endTime":364.691,"body":"fortunate enough to meet somebody"},{"speaker":"Average Joe Finances","startTime":364.691,"endTime":366.719,"body":"else who's doing it already."},{"speaker":"Average Joe Finances","startTime":366.749,"endTime":370.449,"body":"That's pretty much how it started"},{"speaker":"Average Joe Finances","startTime":366.749,"endTime":370.449,"body":"for me is, I had to go out and"},{"speaker":"Average Joe Finances","startTime":370.599,"endTime":374.252,"body":"fortunately enough, I met other"},{"speaker":"Average Joe Finances","startTime":370.599,"endTime":374.252,"body":"people that were investing and taking"},{"speaker":"Average Joe Finances","startTime":374.252,"endTime":378.192,"body":"like their financial,  literacy"},{"speaker":"Average Joe Finances","startTime":374.252,"endTime":378.192,"body":"seriously and learning all of that."},{"speaker":"Average Joe Finances","startTime":378.192,"endTime":382.113,"body":"So it's one of the reasons why I"},{"speaker":"Average Joe Finances","startTime":378.192,"endTime":382.113,"body":"started this podcast because, sure"},{"speaker":"Average Joe Finances","startTime":382.142,"endTime":383.432,"body":"there's plenty of things out there."},{"speaker":"Average Joe Finances","startTime":383.432,"endTime":385.895,"body":"There's plenty of resources, but not"},{"speaker":"Average Joe Finances","startTime":383.432,"endTime":385.895,"body":"a lot of people going out there and"},{"speaker":"Average Joe Finances","startTime":385.895,"endTime":387.665,"body":"pushing it out and pushing it forward."},{"speaker":"Average Joe Finances","startTime":387.862,"endTime":388.482,"body":"So I"},{"speaker":"Dr. Susan Laubach","startTime":388.482,"endTime":388.782,"body":"Make it"},{"speaker":"Average Joe Finances","startTime":388.782,"endTime":392.122,"body":"understandable, make it accessible."},{"speaker":"Average Joe Finances","startTime":392.292,"endTime":393.042,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":393.102,"endTime":394.122,"body":"Absolutely because, okay."},{"speaker":"Average Joe Finances","startTime":394.122,"endTime":394.932,"body":"I'll tell you right now."},{"speaker":"Average Joe Finances","startTime":394.932,"endTime":397.152,"body":"Like the first thing I thought"},{"speaker":"Average Joe Finances","startTime":394.932,"endTime":397.152,"body":"when I first started looking at"},{"speaker":"Average Joe Finances","startTime":397.152,"endTime":400.212,"body":"investing at all is this stuff's"},{"speaker":"Average Joe Finances","startTime":397.152,"endTime":400.212,"body":"in a different language to me."},{"speaker":"Average Joe Finances","startTime":400.512,"endTime":401.862,"body":"I don't even know what I'm looking at."},{"speaker":"Average Joe Finances","startTime":402.162,"endTime":405.702,"body":"So being able to break it down"},{"speaker":"Average Joe Finances","startTime":402.162,"endTime":405.702,"body":"to the basics is super important."},{"speaker":"Dr. Susan Laubach","startTime":405.875,"endTime":406.415,"body":"I agree."},{"speaker":"Dr. Susan Laubach","startTime":406.605,"endTime":412.247,"body":"And the problem that I found when I"},{"speaker":"Dr. Susan Laubach","startTime":406.605,"endTime":412.247,"body":"first came into this business was that"},{"speaker":"Dr. Susan Laubach","startTime":412.247,"endTime":416.4,"body":"as you say, there's another language"},{"speaker":"Dr. Susan Laubach","startTime":412.247,"endTime":416.4,"body":"and people are using terminology that"},{"speaker":"Dr. Susan Laubach","startTime":416.55,"endTime":419.64,"body":"I really had to have translated for me."},{"speaker":"Dr. Susan Laubach","startTime":419.91,"endTime":421.62,"body":"So I was in the business."},{"speaker":"Dr. Susan Laubach","startTime":421.65,"endTime":423.81,"body":"Can you imagine how clients felt."},{"speaker":"Dr. Susan Laubach","startTime":424.11,"endTime":427.77,"body":"When a broker would call them up"},{"speaker":"Dr. Susan Laubach","startTime":424.11,"endTime":427.77,"body":"and babble all this stuff that had"},{"speaker":"Dr. Susan Laubach","startTime":427.83,"endTime":430.86,"body":"no meaning for these people at all."},{"speaker":"Dr. Susan Laubach","startTime":431.045,"endTime":438.378,"body":"Fortunately I remember the learning"},{"speaker":"Dr. Susan Laubach","startTime":431.045,"endTime":438.378,"body":"process and how really hard it was for me."},{"speaker":"Dr. Susan Laubach","startTime":438.678,"endTime":443.008,"body":"So I think that made me a good teacher"},{"speaker":"Dr. Susan Laubach","startTime":438.678,"endTime":443.008,"body":"because I know where the, I know"},{"speaker":"Dr. Susan Laubach","startTime":443.008,"endTime":447.655,"body":"where the questions are, I know where"},{"speaker":"Dr. Susan Laubach","startTime":443.008,"endTime":447.655,"body":"the peop where people are puzzled."},{"speaker":"Dr. Susan Laubach","startTime":447.805,"endTime":449.465,"body":"And, I try to unpuzzle"},{"speaker":"Average Joe Finances","startTime":449.485,"endTime":449.725,"body":"them."},{"speaker":"Average Joe Finances","startTime":450.025,"endTime":450.295,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":450.595,"endTime":450.865,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":450.865,"endTime":451.489,"body":"And that's great."},{"speaker":"Average Joe Finances","startTime":451.489,"endTime":454.191,"body":"And, you're able to do that"},{"speaker":"Average Joe Finances","startTime":451.489,"endTime":454.191,"body":"through, being an author right."},{"speaker":"Average Joe Finances","startTime":454.191,"endTime":457.707,"body":"Through providing, books that are gonna"},{"speaker":"Average Joe Finances","startTime":454.191,"endTime":457.707,"body":"break it down a little bit easier,"},{"speaker":"Average Joe Finances","startTime":457.707,"endTime":459.147,"body":"make it a little more digestible."},{"speaker":"Average Joe Finances","startTime":459.343,"endTime":464.124,"body":"So it's take it in small pieces instead of"},{"speaker":"Average Joe Finances","startTime":459.343,"endTime":464.124,"body":"just the fire hose, drinking by the fire"},{"speaker":"Average Joe Finances","startTime":464.124,"endTime":465.604,"body":"hose, which is what a lot of people do."},{"speaker":"Average Joe Finances","startTime":465.754,"endTime":466.684,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":466.984,"endTime":467.314,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":467.342,"endTime":470.101,"body":"I want to talk a little bit more"},{"speaker":"Average Joe Finances","startTime":467.342,"endTime":470.101,"body":"about what you're doing and how you"},{"speaker":"Average Joe Finances","startTime":470.101,"endTime":471.994,"body":"got to where you are today, right?"},{"speaker":"Average Joe Finances","startTime":472.004,"endTime":475.374,"body":"On your own journey,  to financial"},{"speaker":"Average Joe Finances","startTime":472.004,"endTime":475.374,"body":"independence and financial"},{"speaker":"Average Joe Finances","startTime":475.374,"endTime":477.535,"body":"freedom, what did you do?"},{"speaker":"Average Joe Finances","startTime":477.567,"endTime":483.396,"body":"What was it or the trigger that got"},{"speaker":"Average Joe Finances","startTime":477.567,"endTime":483.396,"body":"you to start looking at investing and"},{"speaker":"Average Joe Finances","startTime":483.396,"endTime":485.136,"body":"building assets to build your wealth?"},{"speaker":"Dr. Susan Laubach","startTime":485.18,"endTime":487.724,"body":"It was a"},{"speaker":"Dr. Susan Laubach","startTime":485.18,"endTime":487.724,"body":"matter of pure necessity for me."},{"speaker":"Dr. Susan Laubach","startTime":487.744,"endTime":490.278,"body":"First of all,  I came into"},{"speaker":"Dr. Susan Laubach","startTime":487.744,"endTime":490.278,"body":"the business from the theater."},{"speaker":"Dr. Susan Laubach","startTime":490.398,"endTime":492.408,"body":"I had been a PR theater professional."},{"speaker":"Dr. Susan Laubach","startTime":492.625,"endTime":495.475,"body":"Nobody I knew anything about investing."},{"speaker":"Dr. Susan Laubach","startTime":495.585,"endTime":498.985,"body":"We were theater people, but if we know,"},{"speaker":"Dr. Susan Laubach","startTime":495.585,"endTime":498.985,"body":"and we didn't have any money anyway,"},{"speaker":"Dr. Susan Laubach","startTime":498.985,"endTime":501.475,"body":"so it didn't make any difference"},{"speaker":"Dr. Susan Laubach","startTime":498.985,"endTime":501.475,"body":"that we didn't know anything."},{"speaker":"Dr. Susan Laubach","startTime":501.745,"endTime":502.045,"body":"But then."},{"speaker":"Dr. Susan Laubach","startTime":502.195,"endTime":507.292,"body":"It became obvious to me that I was"},{"speaker":"Dr. Susan Laubach","startTime":502.195,"endTime":507.292,"body":"going, I have five children and that five"},{"speaker":"Dr. Susan Laubach","startTime":507.292,"endTime":513.324,"body":"children were going to go to college and,"},{"speaker":"Dr. Susan Laubach","startTime":507.292,"endTime":513.324,"body":"equity pay did not educate five kids."},{"speaker":"Dr. Susan Laubach","startTime":513.624,"endTime":520.224,"body":"So I had to find a job that would enable"},{"speaker":"Dr. Susan Laubach","startTime":513.624,"endTime":520.224,"body":"me to put my kids through college."},{"speaker":"Dr. Susan Laubach","startTime":520.374,"endTime":520.539,"body":"And."},{"speaker":"Dr. Susan Laubach","startTime":520.753,"endTime":524.623,"body":"A friend of mine suggested that I"},{"speaker":"Dr. Susan Laubach","startTime":520.753,"endTime":524.623,"body":"go into this business and I said,"},{"speaker":"Dr. Susan Laubach","startTime":524.923,"endTime":528.785,"body":"yeah,  I don't know the difference"},{"speaker":"Dr. Susan Laubach","startTime":524.923,"endTime":528.785,"body":"between a stock and a bond."},{"speaker":"Dr. Susan Laubach","startTime":528.935,"endTime":530.075,"body":"That's all right."},{"speaker":"Dr. Susan Laubach","startTime":530.075,"endTime":530.945,"body":"You'll learn."},{"speaker":"Dr. Susan Laubach","startTime":530.945,"endTime":532.475,"body":"You they'll train you."},{"speaker":"Dr. Susan Laubach","startTime":532.775,"endTime":533.435,"body":"They did."},{"speaker":"Dr. Susan Laubach","startTime":533.435,"endTime":539.255,"body":"I did get training once I was hired, I"},{"speaker":"Dr. Susan Laubach","startTime":533.435,"endTime":539.255,"body":"was fortunate to get hired by a truly fine"},{"speaker":"Dr. Susan Laubach","startTime":539.255,"endTime":542.135,"body":"firm, which just between you and me, Mike."},{"speaker":"Dr. Susan Laubach","startTime":542.435,"endTime":549.155,"body":"They had never, they've had one woman"},{"speaker":"Dr. Susan Laubach","startTime":542.435,"endTime":549.155,"body":"work for them in their 200 year history."},{"speaker":"Dr. Susan Laubach","startTime":549.455,"endTime":550.985,"body":"And I was the second woman."},{"speaker":"Dr. Susan Laubach","startTime":551.285,"endTime":555.095,"body":"So they hired me because I"},{"speaker":"Dr. Susan Laubach","startTime":551.285,"endTime":555.095,"body":"think they felt they had to."},{"speaker":"Dr. Susan Laubach","startTime":555.395,"endTime":560.105,"body":"And then I was fortunate enough"},{"speaker":"Dr. Susan Laubach","startTime":555.395,"endTime":560.105,"body":"to have very good training."},{"speaker":"Dr. Susan Laubach","startTime":560.277,"endTime":565.797,"body":"But a lot of that very good training came"},{"speaker":"Dr. Susan Laubach","startTime":560.277,"endTime":565.797,"body":"from my going out and learning on the job."},{"speaker":"Dr. Susan Laubach","startTime":566.097,"endTime":570.118,"body":"And coming back and asking people, what"},{"speaker":"Dr. Susan Laubach","startTime":566.097,"endTime":570.118,"body":"is this, they're asking me about this."},{"speaker":"Dr. Susan Laubach","startTime":570.118,"endTime":570.838,"body":"What does that mean?"},{"speaker":"Dr. Susan Laubach","startTime":571.026,"endTime":576.606,"body":"That's how I got into the business"},{"speaker":"Dr. Susan Laubach","startTime":571.026,"endTime":576.606,"body":"and I immediately loved it."},{"speaker":"Dr. Susan Laubach","startTime":576.823,"endTime":578.323,"body":"I loved it because."},{"speaker":"Dr. Susan Laubach","startTime":578.508,"endTime":583.494,"body":"When you're a stockbroker, you are"},{"speaker":"Dr. Susan Laubach","startTime":578.508,"endTime":583.494,"body":"always learning something new, things"},{"speaker":"Dr. Susan Laubach","startTime":583.494,"endTime":588.204,"body":"come along and you don't know the first"},{"speaker":"Dr. Susan Laubach","startTime":583.494,"endTime":588.204,"body":"thing about that particular technology."},{"speaker":"Dr. Susan Laubach","startTime":588.236,"endTime":592.136,"body":"You got to learn about it because you"},{"speaker":"Dr. Susan Laubach","startTime":588.236,"endTime":592.136,"body":"got to tell someone else about it and why"},{"speaker":"Dr. Susan Laubach","startTime":592.136,"endTime":595.096,"body":"it would be good or bad to invest in it."},{"speaker":"Dr. Susan Laubach","startTime":595.396,"endTime":600.246,"body":"I had a very, Excellent broker friend,"},{"speaker":"Dr. Susan Laubach","startTime":595.396,"endTime":600.246,"body":"a guy who'd been in the business"},{"speaker":"Dr. Susan Laubach","startTime":600.246,"endTime":602.466,"body":"for years and was really successful."},{"speaker":"Dr. Susan Laubach","startTime":602.766,"endTime":608.826,"body":"And he said to me, if I can't explain"},{"speaker":"Dr. Susan Laubach","startTime":602.766,"endTime":608.826,"body":"these companies or these products to"},{"speaker":"Dr. Susan Laubach","startTime":608.826,"endTime":613.967,"body":"my kids, fifth grade class, then I"},{"speaker":"Dr. Susan Laubach","startTime":608.826,"endTime":613.967,"body":"don't understand it enough myself."},{"speaker":"Dr. Susan Laubach","startTime":614.117,"endTime":619.677,"body":"And his point too, was that you don't"},{"speaker":"Dr. Susan Laubach","startTime":614.117,"endTime":619.677,"body":"invest in anything that you don't"},{"speaker":"Dr. Susan Laubach","startTime":619.677,"endTime":622.24,"body":"understand that I don't understand."},{"speaker":"Dr. Susan Laubach","startTime":622.39,"endTime":623.59,"body":"That's a real risk."},{"speaker":"Dr. Susan Laubach","startTime":623.65,"endTime":625.66,"body":"You don't want to take that"},{"speaker":"Dr. Susan Laubach","startTime":623.65,"endTime":625.66,"body":"risk with your clients."},{"speaker":"Average Joe Finances","startTime":625.96,"endTime":626.62,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":626.62,"endTime":628.692,"body":"And it's funny that you"},{"speaker":"Average Joe Finances","startTime":626.62,"endTime":628.692,"body":"bring it back to that."},{"speaker":"Average Joe Finances","startTime":628.723,"endTime":632.413,"body":"I, if I can't explain this to a fifth"},{"speaker":"Average Joe Finances","startTime":628.723,"endTime":632.413,"body":"grade class, then I really don't"},{"speaker":"Average Joe Finances","startTime":632.413,"endTime":635.383,"body":"know anything about it because you"},{"speaker":"Average Joe Finances","startTime":632.413,"endTime":635.383,"body":"hear that saying all the time too."},{"speaker":"Average Joe Finances","startTime":635.383,"endTime":637.449,"body":"Hey, talk to me like,  like"},{"speaker":"Average Joe Finances","startTime":635.383,"endTime":637.449,"body":"I'm a fifth grader."},{"speaker":"Average Joe Finances","startTime":637.539,"endTime":639.909,"body":"Explain it to me in a"},{"speaker":"Average Joe Finances","startTime":637.539,"endTime":639.909,"body":"way that I'll understand."},{"speaker":"Average Joe Finances","startTime":640.126,"endTime":643.79,"body":"And, having a, a show like mine and"},{"speaker":"Average Joe Finances","startTime":640.126,"endTime":643.79,"body":"what I like to do and similar to"},{"speaker":"Average Joe Finances","startTime":643.79,"endTime":645.17,"body":"what you do with your books, right?"},{"speaker":"Average Joe Finances","startTime":645.35,"endTime":647.06,"body":"It's almost like a translation."},{"speaker":"Average Joe Finances","startTime":647.06,"endTime":650.45,"body":"Like we're translating some of"},{"speaker":"Average Joe Finances","startTime":647.06,"endTime":650.45,"body":"this language to make it more"},{"speaker":"Average Joe Finances","startTime":650.45,"endTime":654.789,"body":"understandable, more digestible and"},{"speaker":"Average Joe Finances","startTime":650.45,"endTime":654.789,"body":"easier for people to navigate through."},{"speaker":"Average Joe Finances","startTime":654.849,"endTime":655.239,"body":"Right."},{"speaker":"Dr. Susan Laubach","startTime":655.419,"endTime":659.889,"body":"And into actually"},{"speaker":"Dr. Susan Laubach","startTime":655.419,"endTime":659.889,"body":"Mike to actually learn to love it because"},{"speaker":"Dr. Susan Laubach","startTime":660.189,"endTime":665.759,"body":"it's such a challenge, the stock, the"},{"speaker":"Dr. Susan Laubach","startTime":660.189,"endTime":665.759,"body":"wall street, I've heard a lot of people."},{"speaker":"Dr. Susan Laubach","startTime":666.059,"endTime":668.579,"body":"Go like this about wall street these days."},{"speaker":"Dr. Susan Laubach","startTime":668.879,"endTime":674.459,"body":"And I have to remind them that wall street"},{"speaker":"Dr. Susan Laubach","startTime":668.879,"endTime":674.459,"body":"is the engine that runs our country."},{"speaker":"Dr. Susan Laubach","startTime":674.759,"endTime":680.669,"body":"That if we didn't have companies doing"},{"speaker":"Dr. Susan Laubach","startTime":674.759,"endTime":680.669,"body":"business nationally and internationally"},{"speaker":"Dr. Susan Laubach","startTime":680.699,"endTime":686.689,"body":"good companies whose products we use"},{"speaker":"Dr. Susan Laubach","startTime":680.699,"endTime":686.689,"body":"and we need, we wouldn't have a country"},{"speaker":"Dr. Susan Laubach","startTime":686.689,"endTime":688.429,"body":"as great as the one that we have."},{"speaker":"Dr. Susan Laubach","startTime":688.429,"endTime":690.967,"body":"So it's important that people."},{"speaker":"Dr. Susan Laubach","startTime":691.267,"endTime":698.527,"body":"Understand and learn to love, not to"},{"speaker":"Dr. Susan Laubach","startTime":691.267,"endTime":698.527,"body":"hate, learn to love wall street, but the"},{"speaker":"Dr. Susan Laubach","startTime":698.527,"endTime":701.467,"body":"bad guys are the ones that you see in."},{"speaker":"Dr. Susan Laubach","startTime":701.677,"endTime":705.757,"body":"See the movies written and books written"},{"speaker":"Dr. Susan Laubach","startTime":701.677,"endTime":705.757,"body":"about the bad guys, because they're"},{"speaker":"Dr. Susan Laubach","startTime":705.757,"endTime":707.977,"body":"the ones who make a story exciting."},{"speaker":"Dr. Susan Laubach","startTime":707.977,"endTime":714.044,"body":"I guess somebody said to me recently,"},{"speaker":"Dr. Susan Laubach","startTime":707.977,"endTime":714.044,"body":"Why don't we see any,  stories and"},{"speaker":"Dr. Susan Laubach","startTime":714.044,"endTime":719.394,"body":"media movies, television, whatever"},{"speaker":"Dr. Susan Laubach","startTime":714.044,"endTime":719.394,"body":"about women stockbrokers and we're"},{"speaker":"Dr. Susan Laubach","startTime":719.394,"endTime":723.744,"body":"not gonna, we're not going to do"},{"speaker":"Dr. Susan Laubach","startTime":719.394,"endTime":723.744,"body":"bad things with your portfolio."},{"speaker":"Dr. Susan Laubach","startTime":724.044,"endTime":726.054,"body":"We're very conservative folk."},{"speaker":"Dr. Susan Laubach","startTime":726.354,"endTime":731.874,"body":"We will and want you to make money"},{"speaker":"Dr. Susan Laubach","startTime":726.354,"endTime":731.874,"body":"and we don't want you to be mad at us."},{"speaker":"Dr. Susan Laubach","startTime":732.174,"endTime":736.959,"body":"So I think that's why we try"},{"speaker":"Dr. Susan Laubach","startTime":732.174,"endTime":736.959,"body":"and I'm sure, there are lots"},{"speaker":"Dr. Susan Laubach","startTime":736.959,"endTime":738.279,"body":"of men who do the same thing."},{"speaker":"Dr. Susan Laubach","startTime":738.432,"endTime":743.832,"body":"I was in the business a long time and I"},{"speaker":"Dr. Susan Laubach","startTime":738.432,"endTime":743.832,"body":"one time and it wasn't in our company."},{"speaker":"Dr. Susan Laubach","startTime":743.862,"endTime":750.552,"body":"One time I met a guy who was not, I"},{"speaker":"Dr. Susan Laubach","startTime":743.862,"endTime":750.552,"body":"would say totally honest, one time in"},{"speaker":"Dr. Susan Laubach","startTime":750.582,"endTime":756.702,"body":"all those years, most everybody I met in"},{"speaker":"Dr. Susan Laubach","startTime":750.582,"endTime":756.702,"body":"this business was really trying to do the"},{"speaker":"Dr. Susan Laubach","startTime":756.702,"endTime":760.542,"body":"best for our clients to make you rich."},{"speaker":"Dr. Susan Laubach","startTime":760.762,"endTime":762.358,"body":"We'll be, successful."},{"speaker":"Dr. Susan Laubach","startTime":762.358,"endTime":764.758,"body":"We'll be wealthy too,"},{"speaker":"Dr. Susan Laubach","startTime":762.358,"endTime":764.758,"body":"if you're a successful"},{"speaker":"Average Joe Finances","startTime":764.758,"endTime":765.308,"body":"and wealthy."},{"speaker":"Average Joe Finances","startTime":765.458,"endTime":765.638,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":765.648,"endTime":768.18,"body":"That's super important though,"},{"speaker":"Average Joe Finances","startTime":765.648,"endTime":768.18,"body":"especially to point that out,"},{"speaker":"Average Joe Finances","startTime":768.18,"endTime":772.029,"body":"that, it's the bad apples that"},{"speaker":"Average Joe Finances","startTime":768.18,"endTime":772.029,"body":"create the bad rap for everybody."},{"speaker":"Average Joe Finances","startTime":772.039,"endTime":774.279,"body":"And there's not as many"},{"speaker":"Average Joe Finances","startTime":772.039,"endTime":774.279,"body":"as you think there are."},{"speaker":"Average Joe Finances","startTime":774.579,"endTime":776.079,"body":"There are some right."},{"speaker":"Average Joe Finances","startTime":776.32,"endTime":780.091,"body":"But at the same time, if the stockbroker's"},{"speaker":"Average Joe Finances","startTime":776.32,"endTime":780.091,"body":"doing their job is to make sure"},{"speaker":"Average Joe Finances","startTime":780.091,"endTime":782.371,"body":"that their clients are making money."},{"speaker":"Average Joe Finances","startTime":782.426,"endTime":784.429,"body":"And if their clients are making"},{"speaker":"Average Joe Finances","startTime":782.426,"endTime":784.429,"body":"money, they're making money."},{"speaker":"Average Joe Finances","startTime":784.429,"endTime":785.904,"body":"That's, it's win-win for everybody."},{"speaker":"Dr. Susan Laubach","startTime":785.966,"endTime":789.556,"body":"And the other thing"},{"speaker":"Dr. Susan Laubach","startTime":785.966,"endTime":789.556,"body":"is you don't want disclosable clients."},{"speaker":"Dr. Susan Laubach","startTime":789.646,"endTime":792.312,"body":"You don't want, you screw this"},{"speaker":"Dr. Susan Laubach","startTime":789.646,"endTime":792.312,"body":"guy over, he goes off and you"},{"speaker":"Dr. Susan Laubach","startTime":792.312,"endTime":797.422,"body":"have find a new one that is not"},{"speaker":"Dr. Susan Laubach","startTime":792.312,"endTime":797.422,"body":"a way to build a business at all."},{"speaker":"Dr. Susan Laubach","startTime":797.572,"endTime":800.655,"body":"It, we became members"},{"speaker":"Dr. Susan Laubach","startTime":797.572,"endTime":800.655,"body":"of people's families."},{"speaker":"Dr. Susan Laubach","startTime":801.241,"endTime":804.211,"body":"And we went to their babies christenings."},{"speaker":"Dr. Susan Laubach","startTime":804.31,"endTime":808.01,"body":"We sadly went to their funerals,"},{"speaker":"Dr. Susan Laubach","startTime":804.31,"endTime":808.01,"body":"but the thing is we were part of"},{"speaker":"Dr. Susan Laubach","startTime":808.01,"endTime":813.584,"body":"their lives and just you wouldn't"},{"speaker":"Dr. Susan Laubach","startTime":808.01,"endTime":813.584,"body":"do a bad turn for your friends."},{"speaker":"Dr. Susan Laubach","startTime":813.734,"endTime":816.944,"body":"You wouldn't do a bad turn"},{"speaker":"Dr. Susan Laubach","startTime":813.734,"endTime":816.944,"body":"for your customers either."},{"speaker":"Dr. Susan Laubach","startTime":817.244,"endTime":818.774,"body":"You want to be well thought of."},{"speaker":"Average Joe Finances","startTime":818.941,"endTime":819.871,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":819.871,"endTime":822.331,"body":"It's about building that circle"},{"speaker":"Average Joe Finances","startTime":819.871,"endTime":822.331,"body":"and building that network."},{"speaker":"Average Joe Finances","startTime":822.331,"endTime":825.7,"body":"It's refreshing to hear, especially"},{"speaker":"Average Joe Finances","startTime":822.331,"endTime":825.7,"body":"somebody who's lived the stockbroker"},{"speaker":"Average Joe Finances","startTime":825.7,"endTime":828.411,"body":"life, refer to their clients as family."},{"speaker":"Average Joe Finances","startTime":828.474,"endTime":831.822,"body":"And really getting close and getting"},{"speaker":"Average Joe Finances","startTime":828.474,"endTime":831.822,"body":"close knit because a lot of times, people"},{"speaker":"Average Joe Finances","startTime":831.822,"endTime":833.262,"body":"don't really talk about that too much."},{"speaker":"Average Joe Finances","startTime":833.262,"endTime":835.212,"body":"And one of the things I talk"},{"speaker":"Average Joe Finances","startTime":833.262,"endTime":835.212,"body":"about a lot in this podcast"},{"speaker":"Average Joe Finances","startTime":835.242,"endTime":837.019,"body":"is, community and networking."},{"speaker":"Average Joe Finances","startTime":837.282,"endTime":837.432,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":837.732,"endTime":841.152,"body":"And why that's so important, no"},{"speaker":"Average Joe Finances","startTime":837.732,"endTime":841.152,"body":"matter what field you go into."},{"speaker":"Average Joe Finances","startTime":841.201,"endTime":841.817,"body":"I, I."},{"speaker":"Average Joe Finances","startTime":841.822,"endTime":843.382,"body":"Stray more towards real estate."},{"speaker":"Average Joe Finances","startTime":843.382,"endTime":845.392,"body":"I invest in the stock market a little bit."},{"speaker":"Average Joe Finances","startTime":845.456,"endTime":847.142,"body":"But I'm more of a real estate investor."},{"speaker":"Average Joe Finances","startTime":847.164,"endTime":850.704,"body":"But a big part of that is the network that"},{"speaker":"Average Joe Finances","startTime":847.164,"endTime":850.704,"body":"I've built and the people that are around"},{"speaker":"Average Joe Finances","startTime":850.704,"endTime":853.927,"body":"me that I surround myself with right now"},{"speaker":"Average Joe Finances","startTime":850.704,"endTime":853.927,"body":"I don't think just because the realtor"},{"speaker":"Average Joe Finances","startTime":853.927,"endTime":856.038,"body":"helped me close on a deal that, they were."},{"speaker":"Average Joe Finances","startTime":856.067,"endTime":857.609,"body":"Just get their commission and leave me."},{"speaker":"Average Joe Finances","startTime":857.879,"endTime":861.663,"body":"No, they're my realtor for the next"},{"speaker":"Average Joe Finances","startTime":857.879,"endTime":861.663,"body":"deal too, so it's all about, building"},{"speaker":"Average Joe Finances","startTime":861.663,"endTime":865.006,"body":"a community and building a community"},{"speaker":"Average Joe Finances","startTime":861.663,"endTime":865.006,"body":"of people that you can trust."},{"speaker":"Average Joe Finances","startTime":865.012,"endTime":866.482,"body":"Cause that's like the key word."},{"speaker":"Average Joe Finances","startTime":866.782,"endTime":868.222,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":868.522,"endTime":871.83,"body":"So talking about your book a"},{"speaker":"Average Joe Finances","startTime":868.522,"endTime":871.83,"body":"little bit too,  so it goes"},{"speaker":"Average Joe Finances","startTime":871.83,"endTime":873.791,"body":"through different stories, right?"},{"speaker":"Average Joe Finances","startTime":873.791,"endTime":875.964,"body":"Rumpelstiltskin is actually"},{"speaker":"Average Joe Finances","startTime":873.791,"endTime":875.964,"body":"the one telling the story."},{"speaker":"Dr. Susan Laubach","startTime":876.169,"endTime":876.439,"body":"Yes."},{"speaker":"Dr. Susan Laubach","startTime":876.439,"endTime":881.72,"body":"He, in the very beginning, I set the"},{"speaker":"Dr. Susan Laubach","startTime":876.439,"endTime":881.72,"body":"stage, so to speak by showing how a"},{"speaker":"Dr. Susan Laubach","startTime":881.72,"endTime":886.821,"body":"company goes public, because I do think"},{"speaker":"Dr. Susan Laubach","startTime":881.72,"endTime":886.821,"body":"that's an important sort of base for"},{"speaker":"Dr. Susan Laubach","startTime":886.821,"endTime":892.162,"body":"people to have, to understand that"},{"speaker":"Dr. Susan Laubach","startTime":886.821,"endTime":892.162,"body":"not all companies, can you invest"},{"speaker":"Dr. Susan Laubach","startTime":892.162,"endTime":893.932,"body":"in, they have to be publicly traded."},{"speaker":"Dr. Susan Laubach","startTime":894.232,"endTime":895.612,"body":"Or you can invest in them."},{"speaker":"Dr. Susan Laubach","startTime":895.612,"endTime":900.652,"body":"So I tell the story of Goldilocks"},{"speaker":"Dr. Susan Laubach","startTime":895.612,"endTime":900.652,"body":"and the three bears and how she"},{"speaker":"Dr. Susan Laubach","startTime":900.892,"endTime":902.902,"body":"decided that their little house."},{"speaker":"Dr. Susan Laubach","startTime":903.512,"endTime":908.942,"body":"Would be the beginning of a series"},{"speaker":"Dr. Susan Laubach","startTime":903.512,"endTime":908.942,"body":"of bed and breakfasts, and then"},{"speaker":"Dr. Susan Laubach","startTime":908.942,"endTime":911.042,"body":"as she's a venture capitalist."},{"speaker":"Dr. Susan Laubach","startTime":911.132,"endTime":916.652,"body":"And so she brings them to the point where"},{"speaker":"Dr. Susan Laubach","startTime":911.132,"endTime":916.652,"body":"they go public and they need to have an"},{"speaker":"Dr. Susan Laubach","startTime":916.652,"endTime":918.902,"body":"investment banker to help them do that."},{"speaker":"Dr. Susan Laubach","startTime":919.202,"endTime":925.442,"body":"So she takes them to her very dear"},{"speaker":"Dr. Susan Laubach","startTime":919.202,"endTime":925.442,"body":"friend, Rumpelstiltskin, who has a firm"},{"speaker":"Dr. Susan Laubach","startTime":925.442,"endTime":928.092,"body":"called Rumpelstiltskin, never rip off."},{"speaker":"Dr. Susan Laubach","startTime":928.262,"endTime":932.642,"body":"And his never rip off investment"},{"speaker":"Dr. Susan Laubach","startTime":928.262,"endTime":932.642,"body":"banking firm takes them public."},{"speaker":"Dr. Susan Laubach","startTime":932.942,"endTime":939.212,"body":"And then we call him rump from then on a"},{"speaker":"Dr. Susan Laubach","startTime":932.942,"endTime":939.212,"body":"rump takes in baby bear, who is now called"},{"speaker":"Dr. Susan Laubach","startTime":939.212,"endTime":946.412,"body":"Bob Bear because he's grown up and he's"},{"speaker":"Dr. Susan Laubach","startTime":939.212,"endTime":946.412,"body":"telling Bob Bear how to be, a trustworthy."},{"speaker":"Dr. Susan Laubach","startTime":946.602,"endTime":952.78,"body":"Broker stockbroker and he tells it through"},{"speaker":"Dr. Susan Laubach","startTime":946.602,"endTime":952.78,"body":"these stories and these rules of these"},{"speaker":"Dr. Susan Laubach","startTime":952.78,"endTime":956.83,"body":"by the way, are things that I think"},{"speaker":"Dr. Susan Laubach","startTime":952.78,"endTime":956.83,"body":"people should know before they get to"},{"speaker":"Dr. Susan Laubach","startTime":956.83,"endTime":958.81,"body":"the stock market, or if they're in it."},{"speaker":"Dr. Susan Laubach","startTime":958.81,"endTime":960.73,"body":"And they're not quite sure"},{"speaker":"Dr. Susan Laubach","startTime":958.81,"endTime":960.73,"body":"they're doing the right thing."},{"speaker":"Dr. Susan Laubach","startTime":960.938,"endTime":963.729,"body":"They're just very basic concepts."},{"speaker":"Average Joe Finances","startTime":964.029,"endTime":965.438,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":964.029,"endTime":965.438,"body":"no,  that's fantastic."},{"speaker":"Average Joe Finances","startTime":965.468,"endTime":969.858,"body":"Now, what is, what would you say is"},{"speaker":"Average Joe Finances","startTime":965.468,"endTime":969.858,"body":"probably like your favorite story"},{"speaker":"Average Joe Finances","startTime":969.858,"endTime":973.587,"body":"out of all the stories that rumble"},{"speaker":"Average Joe Finances","startTime":969.858,"endTime":973.587,"body":"the, or rump tells him this book?"},{"speaker":"Average Joe Finances","startTime":973.799,"endTime":973.859,"body":"Yeah."},{"speaker":"Dr. Susan Laubach","startTime":974.019,"endTime":977.799,"body":"I particularly"},{"speaker":"Dr. Susan Laubach","startTime":974.019,"endTime":977.799,"body":"liked the last one of which is when,"},{"speaker":"Dr. Susan Laubach","startTime":977.888,"endTime":984.035,"body":"tells his own personal story and how"},{"speaker":"Dr. Susan Laubach","startTime":977.888,"endTime":984.035,"body":"he learned that, you, aren't going"},{"speaker":"Dr. Susan Laubach","startTime":984.035,"endTime":990.617,"body":"to really spin straw into gold, that"},{"speaker":"Dr. Susan Laubach","startTime":984.035,"endTime":990.617,"body":"you have to manage your expectations."},{"speaker":"Dr. Susan Laubach","startTime":990.857,"endTime":992.147,"body":"That was something I always."},{"speaker":"Dr. Susan Laubach","startTime":992.361,"endTime":997.071,"body":"I always told my clients let's"},{"speaker":"Dr. Susan Laubach","startTime":992.361,"endTime":997.071,"body":"manage your expectations."},{"speaker":"Dr. Susan Laubach","startTime":997.371,"endTime":1001.181,"body":"You buy a growth stock so"},{"speaker":"Dr. Susan Laubach","startTime":997.371,"endTime":1001.181,"body":"that the earnings will grow."},{"speaker":"Dr. Susan Laubach","startTime":1001.481,"endTime":1005.321,"body":"You buy a dividend paying"},{"speaker":"Dr. Susan Laubach","startTime":1001.481,"endTime":1005.321,"body":"stock or real estate investment"},{"speaker":"Dr. Susan Laubach","startTime":1005.321,"endTime":1007.631,"body":"trust for you, Mike, because."},{"speaker":"Dr. Susan Laubach","startTime":1007.848,"endTime":1010.218,"body":"Those dividends will"},{"speaker":"Dr. Susan Laubach","startTime":1007.848,"endTime":1010.218,"body":"grown up not the earnings."},{"speaker":"Dr. Susan Laubach","startTime":1010.518,"endTime":1014.118,"body":"So if you want income, you"},{"speaker":"Dr. Susan Laubach","startTime":1010.518,"endTime":1014.118,"body":"buy that kind of a stock."},{"speaker":"Dr. Susan Laubach","startTime":1014.278,"endTime":1017.998,"body":"If you want growth, you"},{"speaker":"Dr. Susan Laubach","startTime":1014.278,"endTime":1017.998,"body":"buy that kind of stock."},{"speaker":"Dr. Susan Laubach","startTime":1017.998,"endTime":1024.148,"body":"So manage your expectations and know why"},{"speaker":"Dr. Susan Laubach","startTime":1017.998,"endTime":1024.148,"body":"you bought each piece of your portfolio."},{"speaker":"Dr. Susan Laubach","startTime":1024.448,"endTime":1026.248,"body":"I like that one, a lot."},{"speaker":"Dr. Susan Laubach","startTime":1026.428,"endTime":1027.508,"body":"And I also wait a minute."},{"speaker":"Dr. Susan Laubach","startTime":1027.538,"endTime":1029.068,"body":"I also liked the one."},{"speaker":"Dr. Susan Laubach","startTime":1029.368,"endTime":1032.998,"body":"This is real, I guess I like all"},{"speaker":"Dr. Susan Laubach","startTime":1029.368,"endTime":1032.998,"body":"of them, but the really important"},{"speaker":"Dr. Susan Laubach","startTime":1032.998,"endTime":1038.023,"body":"one too really important is"},{"speaker":"Dr. Susan Laubach","startTime":1032.998,"endTime":1038.023,"body":"the one,  with the three pigs."},{"speaker":"Dr. Susan Laubach","startTime":1038.113,"endTime":1044.168,"body":"And that is the one the story or"},{"speaker":"Dr. Susan Laubach","startTime":1038.113,"endTime":1044.168,"body":"the rule is always asked what can"},{"speaker":"Dr. Susan Laubach","startTime":1044.168,"endTime":1049.588,"body":"go wrong when you're approaching any"},{"speaker":"Dr. Susan Laubach","startTime":1044.168,"endTime":1049.588,"body":"investment in the stock market, you"},{"speaker":"Dr. Susan Laubach","startTime":1049.588,"endTime":1052.528,"body":"must ask yourself or your broker?"},{"speaker":"Dr. Susan Laubach","startTime":1052.678,"endTime":1054.106,"body":"You've told me what can go, right?"},{"speaker":"Dr. Susan Laubach","startTime":1054.256,"endTime":1056.686,"body":"You've told me that the earnings"},{"speaker":"Dr. Susan Laubach","startTime":1054.256,"endTime":1056.686,"body":"are going to grow wonderful."},{"speaker":"Dr. Susan Laubach","startTime":1056.686,"endTime":1057.616,"body":"I'm glad to hear that."},{"speaker":"Dr. Susan Laubach","startTime":1057.916,"endTime":1061.396,"body":"You've told me that the product is"},{"speaker":"Dr. Susan Laubach","startTime":1057.916,"endTime":1061.396,"body":"super-duper and gets lots of play"},{"speaker":"Dr. Susan Laubach","startTime":1061.396,"endTime":1063.856,"body":"in the news, but what can go wrong?"},{"speaker":"Dr. Susan Laubach","startTime":1064.156,"endTime":1065.336,"body":"Ooh, I know."},{"speaker":"Dr. Susan Laubach","startTime":1065.336,"endTime":1067.276,"body":"No, I never thought about that."},{"speaker":"Dr. Susan Laubach","startTime":1067.428,"endTime":1070.914,"body":"It's not that if the broker"},{"speaker":"Dr. Susan Laubach","startTime":1067.428,"endTime":1070.914,"body":"says, interest rates could go"},{"speaker":"Dr. Susan Laubach","startTime":1070.914,"endTime":1072.744,"body":"up and that might hurt this."},{"speaker":"Dr. Susan Laubach","startTime":1072.808,"endTime":1075.718,"body":"We could have problems with China"},{"speaker":"Dr. Susan Laubach","startTime":1072.808,"endTime":1075.718,"body":"and worldwide, and that's what we're,"},{"speaker":"Dr. Susan Laubach","startTime":1075.778,"endTime":1077.008,"body":"that's what's happening right now."},{"speaker":"Dr. Susan Laubach","startTime":1077.193,"endTime":1083.673,"body":"But once, you know what could go wrong,"},{"speaker":"Dr. Susan Laubach","startTime":1077.193,"endTime":1083.673,"body":"you make the decision to either buy"},{"speaker":"Dr. Susan Laubach","startTime":1083.673,"endTime":1089.283,"body":"it or not buy it depending upon how"},{"speaker":"Dr. Susan Laubach","startTime":1083.673,"endTime":1089.283,"body":"much that impacts your own company."},{"speaker":"Dr. Susan Laubach","startTime":1089.583,"endTime":1091.323,"body":"In other words, you make the decision."},{"speaker":"Dr. Susan Laubach","startTime":1091.323,"endTime":1092.643,"body":"I know what can go wrong."},{"speaker":"Dr. Susan Laubach","startTime":1092.703,"endTime":1093.123,"body":"Okay."},{"speaker":"Dr. Susan Laubach","startTime":1093.153,"endTime":1093.813,"body":"That's fine."},{"speaker":"Dr. Susan Laubach","startTime":1093.843,"endTime":1098.283,"body":"But I still think this is a product"},{"speaker":"Dr. Susan Laubach","startTime":1093.843,"endTime":1098.283,"body":"that I'm going to use forever."},{"speaker":"Dr. Susan Laubach","startTime":1098.373,"endTime":1102.963,"body":"So I know no matter what goes wrong,"},{"speaker":"Dr. Susan Laubach","startTime":1098.373,"endTime":1102.963,"body":"people will use this product forever."},{"speaker":"Dr. Susan Laubach","startTime":1102.963,"endTime":1108.566,"body":"So it's that kind of, it's that"},{"speaker":"Dr. Susan Laubach","startTime":1102.963,"endTime":1108.566,"body":"kind of scenario that,  I want"},{"speaker":"Dr. Susan Laubach","startTime":1108.566,"endTime":1110.456,"body":"people to think of when they think."},{"speaker":"Dr. Susan Laubach","startTime":1110.647,"endTime":1111.577,"body":"What can go wrong?"},{"speaker":"Average Joe Finances","startTime":1111.727,"endTime":1114.989,"body":"That's a key"},{"speaker":"Average Joe Finances","startTime":1111.727,"endTime":1114.989,"body":"part of understanding risk, right?"},{"speaker":"Average Joe Finances","startTime":1115.019,"endTime":1118.079,"body":"And you have to understand, no matter"},{"speaker":"Average Joe Finances","startTime":1115.019,"endTime":1118.079,"body":"what investment you go into, whether"},{"speaker":"Average Joe Finances","startTime":1118.079,"endTime":1121.139,"body":"it's real estate or the stock market,"},{"speaker":"Average Joe Finances","startTime":1118.079,"endTime":1121.139,"body":"it doesn't matter what you go into."},{"speaker":"Average Joe Finances","startTime":1121.169,"endTime":1124.169,"body":"Even if it's, crypto, which is"},{"speaker":"Average Joe Finances","startTime":1121.169,"endTime":1124.169,"body":"the big craze right now, right?"},{"speaker":"Average Joe Finances","startTime":1124.319,"endTime":1125.249,"body":"There's oh yeah."},{"speaker":"Average Joe Finances","startTime":1125.549,"endTime":1126.929,"body":"There's inherent risk there."},{"speaker":"Average Joe Finances","startTime":1126.929,"endTime":1128.099,"body":"No matter what you go."},{"speaker":"Average Joe Finances","startTime":1128.773,"endTime":1132.853,"body":"So that is a question that you should"},{"speaker":"Average Joe Finances","startTime":1128.773,"endTime":1132.853,"body":"be asking yourself is what can go wrong."},{"speaker":"Average Joe Finances","startTime":1133.003,"endTime":1133.723,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1134.023,"endTime":1138.213,"body":"Now there, there was other things too, I"},{"speaker":"Average Joe Finances","startTime":1134.023,"endTime":1138.213,"body":"had it like in the topics of discussion"},{"speaker":"Average Joe Finances","startTime":1138.343,"endTime":1142.353,"body":"that I want to talk about with you too"},{"speaker":"Average Joe Finances","startTime":1138.343,"endTime":1142.353,"body":"about like being a loaner versus an owner."},{"speaker":"Dr. Susan Laubach","startTime":1142.503,"endTime":1142.814,"body":"Yes."},{"speaker":"Dr. Susan Laubach","startTime":1142.814,"endTime":1143.054,"body":"Yes."},{"speaker":"Dr. Susan Laubach","startTime":1143.054,"endTime":1146.684,"body":"That's that's again, part of"},{"speaker":"Dr. Susan Laubach","startTime":1143.054,"endTime":1146.684,"body":"understanding what your investment is."},{"speaker":"Dr. Susan Laubach","startTime":1146.834,"endTime":1150.751,"body":"When you're investing in a common"},{"speaker":"Dr. Susan Laubach","startTime":1146.834,"endTime":1150.751,"body":"stock, you're an owner of the company."},{"speaker":"Dr. Susan Laubach","startTime":1150.901,"endTime":1156.061,"body":"You are literally an owner, whether you"},{"speaker":"Dr. Susan Laubach","startTime":1150.901,"endTime":1156.061,"body":"own it through an ETF or through a mutual"},{"speaker":"Dr. Susan Laubach","startTime":1156.061,"endTime":1162.181,"body":"fund, you are an owner and you will"},{"speaker":"Dr. Susan Laubach","startTime":1156.061,"endTime":1162.181,"body":"participate in that company's good or bad"},{"speaker":"Dr. Susan Laubach","startTime":1162.181,"endTime":1168.271,"body":"fortune, but if you can't afford to take"},{"speaker":"Dr. Susan Laubach","startTime":1162.181,"endTime":1168.271,"body":"that kind of risk and you absolutely have"},{"speaker":"Dr. Susan Laubach","startTime":1168.271,"endTime":1174.811,"body":"to have the money to you at a certain"},{"speaker":"Dr. Susan Laubach","startTime":1168.271,"endTime":1174.811,"body":"time, then you want to loan the money out"},{"speaker":"Dr. Susan Laubach","startTime":1175.051,"endTime":1180.961,"body":"and get the interest paid to you while"},{"speaker":"Dr. Susan Laubach","startTime":1175.051,"endTime":1180.961,"body":"the loan is active and then get your money"},{"speaker":"Dr. Susan Laubach","startTime":1180.961,"endTime":1183.421,"body":"back at a particular time in the future."},{"speaker":"Dr. Susan Laubach","startTime":1183.721,"endTime":1186.661,"body":"That's a loner, that's a bond."},{"speaker":"Dr. Susan Laubach","startTime":1186.961,"endTime":1192.821,"body":"That's a fixed income security,"},{"speaker":"Dr. Susan Laubach","startTime":1186.961,"endTime":1192.821,"body":"which is a bond versus common stock."},{"speaker":"Average Joe Finances","startTime":1192.863,"endTime":1193.133,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1193.133,"endTime":1195.413,"body":"So loaning versus owning, right?"},{"speaker":"Average Joe Finances","startTime":1195.413,"endTime":1201.44,"body":"So loaning your money to the government"},{"speaker":"Average Joe Finances","startTime":1195.413,"endTime":1201.44,"body":"or owning a share, a piece of a company."},{"speaker":"Dr. Susan Laubach","startTime":1201.66,"endTime":1203.61,"body":"You can"},{"speaker":"Dr. Susan Laubach","startTime":1201.66,"endTime":1203.61,"body":"loan to a fine corporation."},{"speaker":"Dr. Susan Laubach","startTime":1203.76,"endTime":1205.422,"body":"You can have a corporate bond."},{"speaker":"Dr. Susan Laubach","startTime":1205.467,"endTime":1209.179,"body":"You can have a government agency bond,"},{"speaker":"Dr. Susan Laubach","startTime":1205.467,"endTime":1209.179,"body":"which pays more than the treasury."},{"speaker":"Dr. Susan Laubach","startTime":1209.329,"endTime":1214.332,"body":"There are various levels of,"},{"speaker":"Dr. Susan Laubach","startTime":1209.329,"endTime":1214.332,"body":"quality, of course their treasury"},{"speaker":"Dr. Susan Laubach","startTime":1214.332,"endTime":1218.202,"body":"has the highest quality in the"},{"speaker":"Dr. Susan Laubach","startTime":1214.332,"endTime":1218.202,"body":"world because our treasuries are"},{"speaker":"Dr. Susan Laubach","startTime":1218.202,"endTime":1221.472,"body":"backed by the full faith and credit"},{"speaker":"Dr. Susan Laubach","startTime":1218.202,"endTime":1221.472,"body":"of the United States government."},{"speaker":"Dr. Susan Laubach","startTime":1221.772,"endTime":1223.092,"body":"The taxing power."},{"speaker":"Dr. Susan Laubach","startTime":1223.392,"endTime":1225.672,"body":"That gives us a AAA rating."},{"speaker":"Dr. Susan Laubach","startTime":1225.839,"endTime":1230.054,"body":"But there are very good corporate bonds"},{"speaker":"Dr. Susan Laubach","startTime":1225.839,"endTime":1230.054,"body":"that have a AA rating that have, very"},{"speaker":"Dr. Susan Laubach","startTime":1230.084,"endTime":1232.799,"body":"good, histories of paying their interest."},{"speaker":"Dr. Susan Laubach","startTime":1232.989,"endTime":1236.139,"body":"Bonds are very interesting"},{"speaker":"Dr. Susan Laubach","startTime":1232.989,"endTime":1236.139,"body":"and I think that a good"},{"speaker":"Dr. Susan Laubach","startTime":1236.315,"endTime":1238.745,"body":"well-balanced portfolio has both."},{"speaker":"Average Joe Finances","startTime":1238.918,"endTime":1239.508,"body":"Yeah, right on."},{"speaker":"Average Joe Finances","startTime":1239.518,"endTime":1241.632,"body":"And, and it's something that you"},{"speaker":"Average Joe Finances","startTime":1239.518,"endTime":1241.632,"body":"had mentioned earlier, right?"},{"speaker":"Average Joe Finances","startTime":1241.632,"endTime":1243.998,"body":"When it comes to any type of investing."},{"speaker":"Average Joe Finances","startTime":1243.998,"endTime":1247.081,"body":"Cause we kinda, we talked about"},{"speaker":"Average Joe Finances","startTime":1243.998,"endTime":1247.081,"body":"the risk and good mentioned,"},{"speaker":"Average Joe Finances","startTime":1247.15,"endTime":1248.74,"body":"managing your expectations."},{"speaker":"Average Joe Finances","startTime":1248.819,"endTime":1253.319,"body":"And it's super important to manage your"},{"speaker":"Average Joe Finances","startTime":1248.819,"endTime":1253.319,"body":"expectations, whether your loaning your"},{"speaker":"Average Joe Finances","startTime":1253.319,"endTime":1257.672,"body":"money in a bond or you're investing in a"},{"speaker":"Average Joe Finances","startTime":1253.319,"endTime":1257.672,"body":"company and owning a piece of that company"},{"speaker":"Average Joe Finances","startTime":1257.672,"endTime":1259.836,"body":"by buying stocks, buying common stocks."},{"speaker":"Average Joe Finances","startTime":1259.986,"endTime":1261.546,"body":"Th the whole point of it though, is."},{"speaker":"Average Joe Finances","startTime":1261.846,"endTime":1264.276,"body":"Really understanding what"},{"speaker":"Average Joe Finances","startTime":1261.846,"endTime":1264.276,"body":"you're getting into, right?"},{"speaker":"Average Joe Finances","startTime":1264.396,"endTime":1269.016,"body":"Educate yourself like we talked"},{"speaker":"Average Joe Finances","startTime":1264.396,"endTime":1269.016,"body":"about earlier and then managing your"},{"speaker":"Average Joe Finances","startTime":1269.016,"endTime":1272.857,"body":"expectations because,  and understanding"},{"speaker":"Average Joe Finances","startTime":1269.016,"endTime":1272.857,"body":"what you're getting into, understanding"},{"speaker":"Average Joe Finances","startTime":1272.857,"endTime":1276.017,"body":"the risk involved, because there is"},{"speaker":"Average Joe Finances","startTime":1272.857,"endTime":1276.017,"body":"always an inherent risk, no matter"},{"speaker":"Average Joe Finances","startTime":1276.017,"endTime":1278.327,"body":"what you do, but you can mitigate it."},{"speaker":"Average Joe Finances","startTime":1278.627,"endTime":1281.477,"body":"And you mitigate that with your"},{"speaker":"Average Joe Finances","startTime":1278.627,"endTime":1281.477,"body":"education, with doing research"},{"speaker":"Dr. Susan Laubach","startTime":1281.777,"endTime":1283.457,"body":"and you bear a risk."},{"speaker":"Dr. Susan Laubach","startTime":1283.757,"endTime":1288.887,"body":"If you do nothing, because if you do"},{"speaker":"Dr. Susan Laubach","startTime":1283.757,"endTime":1288.887,"body":"nothing and you put your money into."},{"speaker":"Dr. Susan Laubach","startTime":1289.187,"endTime":1292.727,"body":"I don't know a bank that"},{"speaker":"Dr. Susan Laubach","startTime":1289.187,"endTime":1292.727,"body":"pays no very little interest."},{"speaker":"Dr. Susan Laubach","startTime":1292.727,"endTime":1294.497,"body":"You put it in your mattress"},{"speaker":"Dr. Susan Laubach","startTime":1292.727,"endTime":1294.497,"body":"for heaven's sakes."},{"speaker":"Dr. Susan Laubach","startTime":1294.797,"endTime":1296.747,"body":"You are still losing money."},{"speaker":"Dr. Susan Laubach","startTime":1296.747,"endTime":1300.527,"body":"You're losing purchasing power"},{"speaker":"Dr. Susan Laubach","startTime":1296.747,"endTime":1300.527,"body":"every year because of inflation."},{"speaker":"Dr. Susan Laubach","startTime":1300.527,"endTime":1304.577,"body":"So you're taking it as much"},{"speaker":"Dr. Susan Laubach","startTime":1300.527,"endTime":1304.577,"body":"of a risk when you do nothing."},{"speaker":"Average Joe Finances","startTime":1304.757,"endTime":1309.34,"body":"We close out"},{"speaker":"Average Joe Finances","startTime":1304.757,"endTime":1309.34,"body":"what 2021 with a 7% is what's public."},{"speaker":"Average Joe Finances","startTime":1309.354,"endTime":1311.816,"body":"But we know it's actually a"},{"speaker":"Average Joe Finances","startTime":1309.354,"endTime":1311.816,"body":"little higher than that, or could"},{"speaker":"Average Joe Finances","startTime":1311.816,"endTime":1313.046,"body":"even be way higher than that."},{"speaker":"Average Joe Finances","startTime":1313.217,"endTime":1316.054,"body":"But, if you just have money sitting"},{"speaker":"Average Joe Finances","startTime":1313.217,"endTime":1316.054,"body":"in an account, that's getting half"},{"speaker":"Average Joe Finances","startTime":1316.054,"endTime":1319.095,"body":"a percent of interest, you just lost"},{"speaker":"Average Joe Finances","startTime":1316.054,"endTime":1319.095,"body":"six and a half percent, your loan."},{"speaker":"Dr. Susan Laubach","startTime":1319.395,"endTime":1320.085,"body":"Exactly."},{"speaker":"Dr. Susan Laubach","startTime":1320.085,"endTime":1324.012,"body":"And the,  while the stock market has"},{"speaker":"Dr. Susan Laubach","startTime":1320.085,"endTime":1324.012,"body":"been in a bull market for some time"},{"speaker":"Dr. Susan Laubach","startTime":1324.012,"endTime":1327.013,"body":"now, people will say, why didn't I get."},{"speaker":"Dr. Susan Laubach","startTime":1327.313,"endTime":1333.728,"body":"Why didn't I get 26% or"},{"speaker":"Dr. Susan Laubach","startTime":1327.313,"endTime":1333.728,"body":"35%, because I got 10%."},{"speaker":"Dr. Susan Laubach","startTime":1334.014,"endTime":1335.274,"body":"That was very good."},{"speaker":"Dr. Susan Laubach","startTime":1335.274,"endTime":1341.251,"body":"10% because you probably had bonds"},{"speaker":"Dr. Susan Laubach","startTime":1335.274,"endTime":1341.251,"body":"in there and you probably have."},{"speaker":"Dr. Susan Laubach","startTime":1341.551,"endTime":1347.461,"body":"Very high quality growth stocks and"},{"speaker":"Dr. Susan Laubach","startTime":1341.551,"endTime":1347.461,"body":"all that business of 26 and 30%."},{"speaker":"Dr. Susan Laubach","startTime":1347.731,"endTime":1353.462,"body":"We're in a few very risky high-tech"},{"speaker":"Dr. Susan Laubach","startTime":1347.731,"endTime":1353.462,"body":"companies that are selling way over"},{"speaker":"Dr. Susan Laubach","startTime":1353.462,"endTime":1354.932,"body":"the price they should be selling."},{"speaker":"Average Joe Finances","startTime":1354.999,"endTime":1355.719,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":1355.719,"endTime":1359.603,"body":"And that's something you have to think"},{"speaker":"Average Joe Finances","startTime":1355.719,"endTime":1359.603,"body":"of too, is that, don't compare what"},{"speaker":"Average Joe Finances","startTime":1359.603,"endTime":1363.053,"body":"you're doing to other people because"},{"speaker":"Average Joe Finances","startTime":1359.603,"endTime":1363.053,"body":"you put yourself in a, oh, if I would"},{"speaker":"Average Joe Finances","startTime":1363.053,"endTime":1365.999,"body":"have done this or I would have done"},{"speaker":"Average Joe Finances","startTime":1363.053,"endTime":1365.999,"body":"that and then you get the whole FOMO"},{"speaker":"Average Joe Finances","startTime":1365.999,"endTime":1370.052,"body":"thing, the whole fear of missing out"},{"speaker":"Average Joe Finances","startTime":1365.999,"endTime":1370.052,"body":"it's a nasty spot to be in because,"},{"speaker":"Average Joe Finances","startTime":1370.202,"endTime":1373.232,"body":"Especially when you start comparing"},{"speaker":"Average Joe Finances","startTime":1370.202,"endTime":1373.232,"body":"yourself, if you come up with your own"},{"speaker":"Average Joe Finances","startTime":1373.232,"endTime":1377.762,"body":"plan that you're comfortable with look"},{"speaker":"Average Joe Finances","startTime":1373.232,"endTime":1377.762,"body":"10%, you beat inflation at that point."},{"speaker":"Dr. Susan Laubach","startTime":1377.972,"endTime":1378.632,"body":"Absolutely."},{"speaker":"Dr. Susan Laubach","startTime":1378.852,"endTime":1382.622,"body":"And, and after that, if you were"},{"speaker":"Dr. Susan Laubach","startTime":1378.852,"endTime":1382.622,"body":"talking about compound interest in"},{"speaker":"Dr. Susan Laubach","startTime":1382.622,"endTime":1384.962,"body":"the way it grows, that's fabulous."},{"speaker":"Dr. Susan Laubach","startTime":1384.962,"endTime":1386.342,"body":"If you've been do that every year."},{"speaker":"Dr. Susan Laubach","startTime":1386.582,"endTime":1391.875,"body":"The other thing to remember this FOMO"},{"speaker":"Dr. Susan Laubach","startTime":1386.582,"endTime":1391.875,"body":"business of fear of missing out, there's"},{"speaker":"Dr. Susan Laubach","startTime":1391.875,"endTime":1394.812,"body":"something to this because if people."},{"speaker":"Dr. Susan Laubach","startTime":1394.962,"endTime":1398.54,"body":"For instance, I've had people say to"},{"speaker":"Dr. Susan Laubach","startTime":1394.962,"endTime":1398.54,"body":"me, oh, the stock market's so high."},{"speaker":"Dr. Susan Laubach","startTime":1398.69,"endTime":1401.39,"body":"I don't want to get in now what"},{"speaker":"Dr. Susan Laubach","startTime":1398.69,"endTime":1401.39,"body":"you're not getting into the"},{"speaker":"Dr. Susan Laubach","startTime":1401.39,"endTime":1407.42,"body":"market, you're getting into any"},{"speaker":"Dr. Susan Laubach","startTime":1401.39,"endTime":1407.42,"body":"ETF or a company or a mutual fund."},{"speaker":"Dr. Susan Laubach","startTime":1407.45,"endTime":1409.196,"body":"That's what you're not"},{"speaker":"Dr. Susan Laubach","startTime":1407.45,"endTime":1409.196,"body":"getting into the market."},{"speaker":"Dr. Susan Laubach","startTime":1409.196,"endTime":1412.746,"body":"So let's look at the individual"},{"speaker":"Dr. Susan Laubach","startTime":1409.196,"endTime":1412.746,"body":"thing and let's remember this."},{"speaker":"Dr. Susan Laubach","startTime":1412.896,"endTime":1417.306,"body":"One of my very best clients was called"},{"speaker":"Dr. Susan Laubach","startTime":1412.896,"endTime":1417.306,"body":"the father of momentum investing."},{"speaker":"Dr. Susan Laubach","startTime":1417.646,"endTime":1422.528,"body":"Richard Driehaus died sadly about a"},{"speaker":"Dr. Susan Laubach","startTime":1417.646,"endTime":1422.528,"body":"year ago, but, Richard always said to"},{"speaker":"Dr. Susan Laubach","startTime":1422.528,"endTime":1428.135,"body":"me, volatility is our friend, meaning"},{"speaker":"Dr. Susan Laubach","startTime":1422.528,"endTime":1428.135,"body":"you've had your eye on a company"},{"speaker":"Dr. Susan Laubach","startTime":1428.135,"endTime":1430.475,"body":"that you know is way overpriced."},{"speaker":"Dr. Susan Laubach","startTime":1430.685,"endTime":1432.605,"body":"It stock is way over priced."},{"speaker":"Dr. Susan Laubach","startTime":1432.905,"endTime":1436.745,"body":"And then the market has one of those"},{"speaker":"Dr. Susan Laubach","startTime":1432.905,"endTime":1436.745,"body":"awful days or one of those awful"},{"speaker":"Dr. Susan Laubach","startTime":1436.745,"endTime":1438.485,"body":"weeks, like we've had this week."},{"speaker":"Dr. Susan Laubach","startTime":1438.785,"endTime":1444.755,"body":"Your company is now at a price"},{"speaker":"Dr. Susan Laubach","startTime":1438.785,"endTime":1444.755,"body":"that's attractive volatility"},{"speaker":"Dr. Susan Laubach","startTime":1444.755,"endTime":1446.495,"body":"is your friend buy it."},{"speaker":"Dr. Susan Laubach","startTime":1446.795,"endTime":1448.025,"body":"Don't be afraid."},{"speaker":"Dr. Susan Laubach","startTime":1448.325,"endTime":1448.955,"body":"Buy it."},{"speaker":"Dr. Susan Laubach","startTime":1449.255,"endTime":1451.985,"body":"If it goes down more, don't be afraid."},{"speaker":"Dr. Susan Laubach","startTime":1452.075,"endTime":1458.375,"body":"Buy more because you have faith in that"},{"speaker":"Dr. Susan Laubach","startTime":1452.075,"endTime":1458.375,"body":"company because you took the time to"},{"speaker":"Dr. Susan Laubach","startTime":1458.375,"endTime":1460.865,"body":"understand what that company was about."},{"speaker":"Average Joe Finances","startTime":1461.165,"endTime":1463.505,"body":"Yeah, you"},{"speaker":"Average Joe Finances","startTime":1461.165,"endTime":1463.505,"body":"did the research on it and now"},{"speaker":"Average Joe Finances","startTime":1463.505,"endTime":1464.465,"body":"you're buying it at a distance."},{"speaker":"Average Joe Finances","startTime":1464.765,"endTime":1466.475,"body":"Yes, absolutely."},{"speaker":"Average Joe Finances","startTime":1466.775,"endTime":1466.985,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1467.015,"endTime":1467.585,"body":"Oh, I love it."},{"speaker":"Average Joe Finances","startTime":1467.585,"endTime":1467.975,"body":"I love it."},{"speaker":"Average Joe Finances","startTime":1467.975,"endTime":1468.815,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":1469.055,"endTime":1473.499,"body":"And what a great way to just, have these"},{"speaker":"Average Joe Finances","startTime":1469.055,"endTime":1473.499,"body":"stories, just, translate this a little"},{"speaker":"Average Joe Finances","startTime":1473.499,"endTime":1476.814,"body":"bit easier, make it easier to digest"},{"speaker":"Average Joe Finances","startTime":1473.499,"endTime":1476.814,"body":"for, somebody that would be listening to"},{"speaker":"Average Joe Finances","startTime":1476.814,"endTime":1478.623,"body":"this show, like our everyday average Joe."},{"speaker":"Average Joe Finances","startTime":1478.674,"endTime":1482.517,"body":"So that's,  this is probably one you want"},{"speaker":"Average Joe Finances","startTime":1478.674,"endTime":1482.517,"body":"to pick up and check out if going into the"},{"speaker":"Average Joe Finances","startTime":1482.517,"endTime":1483.957,"body":"stock markets, what you're interested in."},{"speaker":"Average Joe Finances","startTime":1484.445,"endTime":1485.015,"body":"All right, Dr."},{"speaker":"Average Joe Finances","startTime":1485.015,"endTime":1487.985,"body":"Laubach, I've got four"},{"speaker":"Average Joe Finances","startTime":1485.015,"endTime":1487.985,"body":"questions I want to ask you."},{"speaker":"Average Joe Finances","startTime":1488.145,"endTime":1488.605,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1488.613,"endTime":1491.193,"body":"And this is something I just started"},{"speaker":"Average Joe Finances","startTime":1488.613,"endTime":1491.193,"body":"recently doing on the show, but it's"},{"speaker":"Average Joe Finances","startTime":1491.193,"endTime":1493.893,"body":"four questions I want to make sure"},{"speaker":"Average Joe Finances","startTime":1491.193,"endTime":1493.893,"body":"I ask every guest that comes on now."},{"speaker":"Average Joe Finances","startTime":1494.104,"endTime":1497.1,"body":"And,  it's, it's personal for me,"},{"speaker":"Average Joe Finances","startTime":1494.104,"endTime":1497.1,"body":"like stuff that I want to know."},{"speaker":"Average Joe Finances","startTime":1497.1,"endTime":1498.883,"body":"Cause it helps me learn and grow as well."},{"speaker":"Average Joe Finances","startTime":1498.883,"endTime":1501.383,"body":"And I think it adds"},{"speaker":"Average Joe Finances","startTime":1498.883,"endTime":1501.383,"body":"value,  to my listeners."},{"speaker":"Average Joe Finances","startTime":1501.597,"endTime":1504.327,"body":"So if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":1501.597,"endTime":1504.327,"body":"I'll fire off these questions."},{"speaker":"Average Joe Finances","startTime":1504.567,"endTime":1504.837,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1504.837,"endTime":1505.137,"body":"Cool."},{"speaker":"Average Joe Finances","startTime":1505.437,"endTime":1505.677,"body":"All right."},{"speaker":"Average Joe Finances","startTime":1505.677,"endTime":1506.397,"body":"First question."},{"speaker":"Average Joe Finances","startTime":1506.517,"endTime":1506.777,"body":"It's a big."},{"speaker":"Average Joe Finances","startTime":1507.077,"endTime":1509.297,"body":"What's the biggest"},{"speaker":"Average Joe Finances","startTime":1507.077,"endTime":1509.297,"body":"mistake you've ever made."},{"speaker":"Dr. Susan Laubach","startTime":1509.597,"endTime":1514.997,"body":"The biggest mistake"},{"speaker":"Dr. Susan Laubach","startTime":1509.597,"endTime":1514.997,"body":"I ever made was not to listen to my"},{"speaker":"Dr. Susan Laubach","startTime":1514.997,"endTime":1521.387,"body":"own intuition and not to go with what"},{"speaker":"Dr. Susan Laubach","startTime":1514.997,"endTime":1521.387,"body":"I knew was the right thing to do."},{"speaker":"Dr. Susan Laubach","startTime":1521.687,"endTime":1529.077,"body":"And that really had to do with buying"},{"speaker":"Dr. Susan Laubach","startTime":1521.687,"endTime":1529.077,"body":"something I didn't understand paying"},{"speaker":"Dr. Susan Laubach","startTime":1529.077,"endTime":1531.807,"body":"too much for it early in my career."},{"speaker":"Dr. Susan Laubach","startTime":1531.807,"endTime":1533.457,"body":"And I lost a bundle."},{"speaker":"Dr. Susan Laubach","startTime":1533.647,"endTime":1536.137,"body":"And trust yourself, have a"},{"speaker":"Dr. Susan Laubach","startTime":1533.647,"endTime":1536.137,"body":"little faith in yourself."},{"speaker":"Dr. Susan Laubach","startTime":1536.137,"endTime":1539.867,"body":"You did the work you'll know that's"},{"speaker":"Dr. Susan Laubach","startTime":1536.137,"endTime":1539.867,"body":"either a good price or a bad price."},{"speaker":"Average Joe Finances","startTime":1540.167,"endTime":1541.637,"body":"Yeah, I've done that too."},{"speaker":"Average Joe Finances","startTime":1541.7,"endTime":1545.15,"body":"I've sold something early that I should"},{"speaker":"Average Joe Finances","startTime":1541.7,"endTime":1545.15,"body":"have held on to for three more months."},{"speaker":"Average Joe Finances","startTime":1545.15,"endTime":1547.782,"body":"And if I would have 25 X my"},{"speaker":"Average Joe Finances","startTime":1545.15,"endTime":1547.782,"body":"money instead of just doubled"},{"speaker":"Average Joe Finances","startTime":1547.782,"endTime":1548.712,"body":"it, but I wasn't happy with"},{"speaker":"Dr. Susan Laubach","startTime":1548.832,"endTime":1549.612,"body":"yeah, exactly."},{"speaker":"Dr. Susan Laubach","startTime":1549.612,"endTime":1551.382,"body":"But be happy with doubling it."},{"speaker":"Dr. Susan Laubach","startTime":1551.532,"endTime":1554.202,"body":"And don't collapse that"},{"speaker":"Dr. Susan Laubach","startTime":1551.532,"endTime":1554.202,"body":"wasn't a mistake of yours."},{"speaker":"Dr. Susan Laubach","startTime":1554.202,"endTime":1556.902,"body":"That was actually a smart thing to do."},{"speaker":"Dr. Susan Laubach","startTime":1557.202,"endTime":1559.593,"body":"You took, if you've got,"},{"speaker":"Dr. Susan Laubach","startTime":1557.202,"endTime":1559.593,"body":"if you've made a nice."},{"speaker":"Dr. Susan Laubach","startTime":1559.81,"endTime":1562.87,"body":"You take your original"},{"speaker":"Dr. Susan Laubach","startTime":1559.81,"endTime":1562.87,"body":"investment off the table."},{"speaker":"Dr. Susan Laubach","startTime":1562.99,"endTime":1564.25,"body":"You sell that much."},{"speaker":"Dr. Susan Laubach","startTime":1564.31,"endTime":1568.6,"body":"You keep the rest in the biz"},{"speaker":"Dr. Susan Laubach","startTime":1564.31,"endTime":1568.6,"body":"and whatever you had it in and"},{"speaker":"Dr. Susan Laubach","startTime":1568.6,"endTime":1572.14,"body":"let it ride, but that your money"},{"speaker":"Dr. Susan Laubach","startTime":1568.6,"endTime":1572.14,"body":"out to go do something else with"},{"speaker":"Average Joe Finances","startTime":1572.14,"endTime":1572.23,"body":"it."},{"speaker":"Average Joe Finances","startTime":1572.53,"endTime":1573.16,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1573.19,"endTime":1573.73,"body":"Which I did."},{"speaker":"Average Joe Finances","startTime":1573.82,"endTime":1576.311,"body":"I did actually, I took it out"},{"speaker":"Average Joe Finances","startTime":1573.82,"endTime":1576.311,"body":"and I invested in a, in some"},{"speaker":"Average Joe Finances","startTime":1576.311,"endTime":1577.271,"body":"more real estate, actually."},{"speaker":"Average Joe Finances","startTime":1577.488,"endTime":1578.598,"body":"That was a good thing."},{"speaker":"Average Joe Finances","startTime":1578.718,"endTime":1579.228,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1579.278,"endTime":1579.664,"body":"Thank you."},{"speaker":"Average Joe Finances","startTime":1579.738,"endTime":1580.068,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1580.248,"endTime":1583.256,"body":"Now,  next question is what"},{"speaker":"Average Joe Finances","startTime":1580.248,"endTime":1583.256,"body":"is something that you learned."},{"speaker":"Average Joe Finances","startTime":1583.473,"endTime":1586.443,"body":"That you wish you knew"},{"speaker":"Average Joe Finances","startTime":1583.473,"endTime":1586.443,"body":"when you first got started?"},{"speaker":"Dr. Susan Laubach","startTime":1586.626,"endTime":1588.606,"body":"Oh,"},{"speaker":"Dr. Susan Laubach","startTime":1586.626,"endTime":1588.606,"body":"I love that question."},{"speaker":"Dr. Susan Laubach","startTime":1588.759,"endTime":1596.389,"body":"I learned to take time listening to"},{"speaker":"Dr. Susan Laubach","startTime":1588.759,"endTime":1596.389,"body":"my clients, by the way back when I"},{"speaker":"Dr. Susan Laubach","startTime":1596.389,"endTime":1598.309,"body":"started, we called them customers."},{"speaker":"Dr. Susan Laubach","startTime":1598.609,"endTime":1605.149,"body":"It became very important over the"},{"speaker":"Dr. Susan Laubach","startTime":1598.609,"endTime":1605.149,"body":"years to listen carefully to what"},{"speaker":"Dr. Susan Laubach","startTime":1605.239,"endTime":1610.579,"body":"they wanted, not what I thought they"},{"speaker":"Dr. Susan Laubach","startTime":1605.239,"endTime":1610.579,"body":"should have, but what they wanted."},{"speaker":"Dr. Susan Laubach","startTime":1610.879,"endTime":1615.109,"body":"And once I learned that and"},{"speaker":"Dr. Susan Laubach","startTime":1610.879,"endTime":1615.109,"body":"realized these people were smart"},{"speaker":"Dr. Susan Laubach","startTime":1615.109,"endTime":1617.179,"body":"people, they knew what they wanted."},{"speaker":"Dr. Susan Laubach","startTime":1617.269,"endTime":1621.619,"body":"And if I tried to sell him something that"},{"speaker":"Dr. Susan Laubach","startTime":1617.269,"endTime":1621.619,"body":"was wrong for them, it would end badly."},{"speaker":"Dr. Susan Laubach","startTime":1621.919,"endTime":1624.919,"body":"I wish I had known those first two years."},{"speaker":"Dr. Susan Laubach","startTime":1624.919,"endTime":1631.069,"body":"I was in the business just to have"},{"speaker":"Dr. Susan Laubach","startTime":1624.919,"endTime":1631.069,"body":"faith that if I listened to people, I"},{"speaker":"Dr. Susan Laubach","startTime":1631.069,"endTime":1634.129,"body":"would eventually get their business."},{"speaker":"Dr. Susan Laubach","startTime":1634.189,"endTime":1637.669,"body":"It was important to take"},{"speaker":"Dr. Susan Laubach","startTime":1634.189,"endTime":1637.669,"body":"time, to build a relationship."},{"speaker":"Average Joe Finances","startTime":1637.969,"endTime":1639.169,"body":"Absolutely love that."},{"speaker":"Average Joe Finances","startTime":1639.259,"endTime":1639.769,"body":"Love that."},{"speaker":"Average Joe Finances","startTime":1640.069,"endTime":1640.369,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1640.399,"endTime":1644.452,"body":"On this podcast, we have a lot of folks"},{"speaker":"Average Joe Finances","startTime":1640.399,"endTime":1644.452,"body":"that are listening that are, on their"},{"speaker":"Average Joe Finances","startTime":1644.452,"endTime":1648.172,"body":"journey to getting out of debt and"},{"speaker":"Average Joe Finances","startTime":1644.452,"endTime":1648.172,"body":"then they want to start investing once"},{"speaker":"Average Joe Finances","startTime":1648.172,"endTime":1649.771,"body":"they get themselves to a good spot."},{"speaker":"Average Joe Finances","startTime":1649.921,"endTime":1654.091,"body":"So do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":1649.921,"endTime":1654.091,"body":"that you would recommend to someone"},{"speaker":"Average Joe Finances","startTime":1654.091,"endTime":1655.881,"body":"that is just getting started today?."},{"speaker":"Dr. Susan Laubach","startTime":1656.124,"endTime":1656.784,"body":"Yes."},{"speaker":"Dr. Susan Laubach","startTime":1657.084,"endTime":1660.234,"body":"First of all, you don't need to"},{"speaker":"Dr. Susan Laubach","startTime":1657.084,"endTime":1660.234,"body":"have a big, huge pot of money."},{"speaker":"Dr. Susan Laubach","startTime":1660.534,"endTime":1662.664,"body":"You can start with 500 hundred bucks."},{"speaker":"Dr. Susan Laubach","startTime":1662.754,"endTime":1667.344,"body":"Just the point is get started, but"},{"speaker":"Dr. Susan Laubach","startTime":1662.754,"endTime":1667.344,"body":"that's one of the very first stories"},{"speaker":"Dr. Susan Laubach","startTime":1667.344,"endTime":1670.044,"body":"I have get started and keep going."},{"speaker":"Dr. Susan Laubach","startTime":1670.194,"endTime":1676.727,"body":"The other thing is I would look very"},{"speaker":"Dr. Susan Laubach","startTime":1670.194,"endTime":1676.727,"body":"seriously at ETFs exchange traded funds."},{"speaker":"Dr. Susan Laubach","startTime":1676.877,"endTime":1682.441,"body":"Which as our baskets of securities,"},{"speaker":"Dr. Susan Laubach","startTime":1676.877,"endTime":1682.441,"body":"baskets of stocks in particular"},{"speaker":"Dr. Susan Laubach","startTime":1682.441,"endTime":1686.569,"body":"industries, areas all there,"},{"speaker":"Dr. Susan Laubach","startTime":1682.441,"endTime":1686.569,"body":"many different kinds of ETFs."},{"speaker":"Dr. Susan Laubach","startTime":1686.786,"endTime":1689.126,"body":"That's a very good way to get started."},{"speaker":"Dr. Susan Laubach","startTime":1689.216,"endTime":1696.806,"body":"Another way would be to find one company"},{"speaker":"Dr. Susan Laubach","startTime":1689.216,"endTime":1696.806,"body":"that makes a product that you use day in"},{"speaker":"Dr. Susan Laubach","startTime":1696.896,"endTime":1702.686,"body":"and day out, that if they rose the price"},{"speaker":"Dr. Susan Laubach","startTime":1696.896,"endTime":1702.686,"body":"on that, Because of inflation, you would"},{"speaker":"Dr. Susan Laubach","startTime":1702.686,"endTime":1709.976,"body":"still buy it and look at that company and"},{"speaker":"Dr. Susan Laubach","startTime":1702.686,"endTime":1709.976,"body":"consider buying its stock or buy what I"},{"speaker":"Dr. Susan Laubach","startTime":1709.976,"endTime":1717.026,"body":"call a back door company, which is the"},{"speaker":"Dr. Susan Laubach","startTime":1709.976,"endTime":1717.026,"body":"supplier to that company who brings in"},{"speaker":"Dr. Susan Laubach","startTime":1717.026,"endTime":1721.208,"body":"the stuff in the back door that company"},{"speaker":"Dr. Susan Laubach","startTime":1717.026,"endTime":1721.208,"body":"needs in order to make its product."},{"speaker":"Dr. Susan Laubach","startTime":1721.358,"endTime":1724.988,"body":"That's sometimes the better investment"},{"speaker":"Dr. Susan Laubach","startTime":1721.358,"endTime":1724.988,"body":"because that hasn't gotten all the"},{"speaker":"Dr. Susan Laubach","startTime":1724.988,"endTime":1727.883,"body":"attention that the,  original company has."},{"speaker":"Dr. Susan Laubach","startTime":1728.123,"endTime":1728.513,"body":"Those."},{"speaker":"Dr. Susan Laubach","startTime":1728.543,"endTime":1730.113,"body":"That would be my suggestion."},{"speaker":"Average Joe Finances","startTime":1730.263,"endTime":1730.473,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1730.473,"endTime":1731.343,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":1731.378,"endTime":1734.462,"body":"I heard somebody else mentioned"},{"speaker":"Average Joe Finances","startTime":1731.378,"endTime":1734.462,"body":"too that, I forget who it was that"},{"speaker":"Average Joe Finances","startTime":1734.462,"endTime":1737.162,"body":"says they do this to, they said"},{"speaker":"Average Joe Finances","startTime":1734.462,"endTime":1737.162,"body":"that they will not buy a product."},{"speaker":"Average Joe Finances","startTime":1737.327,"endTime":1739.907,"body":"Unless they own stock in that company."},{"speaker":"Average Joe Finances","startTime":1739.907,"endTime":1742.913,"body":"So for instance, it's Hey, I"},{"speaker":"Average Joe Finances","startTime":1739.907,"endTime":1742.913,"body":"want to go get myself an iPhone."},{"speaker":"Average Joe Finances","startTime":1742.971,"endTime":1745.941,"body":"I'm not going to get an iPhone"},{"speaker":"Average Joe Finances","startTime":1742.971,"endTime":1745.941,"body":"if I don't own any apple stock."},{"speaker":"Average Joe Finances","startTime":1746.211,"endTime":1749.331,"body":"So first I'll take that money that"},{"speaker":"Average Joe Finances","startTime":1746.211,"endTime":1749.331,"body":"I would've used to buy an iPhone"},{"speaker":"Average Joe Finances","startTime":1749.541,"endTime":1750.861,"body":"and I'll go buy apple stock with it."},{"speaker":"Average Joe Finances","startTime":1750.891,"endTime":1753.288,"body":"Then when I get that money"},{"speaker":"Average Joe Finances","startTime":1750.891,"endTime":1753.288,"body":"again, I will go buy the iPhone."},{"speaker":"Average Joe Finances","startTime":1753.438,"endTime":1754.458,"body":"So I just thought that was."},{"speaker":"Average Joe Finances","startTime":1754.758,"endTime":1755.208,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1755.238,"endTime":1755.418,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1755.418,"endTime":1758.268,"body":"I thought that was super interesting"},{"speaker":"Average Joe Finances","startTime":1755.418,"endTime":1758.268,"body":"because it's like, Hey, once you own"},{"speaker":"Average Joe Finances","startTime":1758.268,"endTime":1761.298,"body":"a piece of that company, when you"},{"speaker":"Average Joe Finances","startTime":1758.268,"endTime":1761.298,"body":"go buy that product, you're putting"},{"speaker":"Average Joe Finances","startTime":1761.298,"endTime":1762.528,"body":"money back in your own pocket."},{"speaker":"Average Joe Finances","startTime":1762.588,"endTime":1766.848,"body":"It might be a fraction of a penny,"},{"speaker":"Average Joe Finances","startTime":1762.588,"endTime":1766.848,"body":"but over time with compound interest,"},{"speaker":"Average Joe Finances","startTime":1767.148,"endTime":1770.416,"body":"it, it's gonna keep going and"},{"speaker":"Average Joe Finances","startTime":1767.148,"endTime":1770.416,"body":"going, but it helps that demand."},{"speaker":"Dr. Susan Laubach","startTime":1770.642,"endTime":1773.308,"body":"With your"},{"speaker":"Dr. Susan Laubach","startTime":1770.642,"endTime":1773.308,"body":"children,  your little girls, if you"},{"speaker":"Dr. Susan Laubach","startTime":1773.368,"endTime":1778.318,"body":"get them started on buying something,"},{"speaker":"Dr. Susan Laubach","startTime":1773.368,"endTime":1778.318,"body":"I've done this for my kids, buying"},{"speaker":"Dr. Susan Laubach","startTime":1778.318,"endTime":1780.628,"body":"something that they use all the time."},{"speaker":"Dr. Susan Laubach","startTime":1780.628,"endTime":1785.409,"body":"I don't know, Nike shoes or, something"},{"speaker":"Dr. Susan Laubach","startTime":1780.628,"endTime":1785.409,"body":"that, that they use or wear all the"},{"speaker":"Dr. Susan Laubach","startTime":1785.409,"endTime":1787.886,"body":"time, a school supplies of some kind."},{"speaker":"Dr. Susan Laubach","startTime":1788.186,"endTime":1790.726,"body":"Then they really get excited about."},{"speaker":"Dr. Susan Laubach","startTime":1791.026,"endTime":1794.806,"body":"And they want to read the annual"},{"speaker":"Dr. Susan Laubach","startTime":1791.026,"endTime":1794.806,"body":"report and look at the pictures"},{"speaker":"Dr. Susan Laubach","startTime":1794.806,"endTime":1798.083,"body":"and, go to the store and see"},{"speaker":"Dr. Susan Laubach","startTime":1794.806,"endTime":1798.083,"body":"people, other people are buying it."},{"speaker":"Dr. Susan Laubach","startTime":1798.148,"endTime":1801.328,"body":"They get the feeling"},{"speaker":"Dr. Susan Laubach","startTime":1798.148,"endTime":1801.328,"body":"a personal investment."},{"speaker":"Dr. Susan Laubach","startTime":1801.888,"endTime":1803.028,"body":"Other than just their money."},{"speaker":"Average Joe Finances","startTime":1803.328,"endTime":1803.628,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1803.638,"endTime":1803.828,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1803.838,"endTime":1808.268,"body":"And it grows that connection between"},{"speaker":"Average Joe Finances","startTime":1803.838,"endTime":1808.268,"body":"what they're doing and essentially"},{"speaker":"Average Joe Finances","startTime":1808.268,"endTime":1810.478,"body":"making their dollars, work,  for them."},{"speaker":"Average Joe Finances","startTime":1810.536,"endTime":1813.108,"body":"That's like the key thing when"},{"speaker":"Average Joe Finances","startTime":1810.536,"endTime":1813.108,"body":"I try to explain that to the,"},{"speaker":"Average Joe Finances","startTime":1813.198,"endTime":1815.815,"body":"to my kids too, especially with"},{"speaker":"Average Joe Finances","startTime":1813.198,"endTime":1815.815,"body":"the book that I had mentioned."},{"speaker":"Average Joe Finances","startTime":1815.819,"endTime":1819.439,"body":"It's about employing your dollars"},{"speaker":"Average Joe Finances","startTime":1815.819,"endTime":1819.439,"body":"and making your dollars work for"},{"speaker":"Average Joe Finances","startTime":1819.439,"endTime":1820.868,"body":"you instead of you working for them."},{"speaker":"Average Joe Finances","startTime":1821.018,"endTime":1821.228,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1821.408,"endTime":1821.678,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1821.708,"endTime":1822.158,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1822.188,"endTime":1822.518,"body":"All right."},{"speaker":"Average Joe Finances","startTime":1822.578,"endTime":1823.718,"body":"So final question."},{"speaker":"Average Joe Finances","startTime":1823.887,"endTime":1828.786,"body":"So this is going to be, so I'll just"},{"speaker":"Average Joe Finances","startTime":1823.887,"endTime":1828.786,"body":"go with, besides your own, do you have"},{"speaker":"Average Joe Finances","startTime":1828.786,"endTime":1833.176,"body":"a favorite business investing or real"},{"speaker":"Average Joe Finances","startTime":1828.786,"endTime":1833.176,"body":"estate related book or podcast or both?"},{"speaker":"Dr. Susan Laubach","startTime":1833.346,"endTime":1836.496,"body":"Not specifically,"},{"speaker":"Dr. Susan Laubach","startTime":1833.346,"endTime":1836.496,"body":"I listened to so many different"},{"speaker":"Dr. Susan Laubach","startTime":1836.496,"endTime":1838.446,"body":"ones that I can't pull out."},{"speaker":"Dr. Susan Laubach","startTime":1838.446,"endTime":1841.514,"body":"One that, what is, what's"},{"speaker":"Dr. Susan Laubach","startTime":1838.446,"endTime":1841.514,"body":"going on at the time."},{"speaker":"Dr. Susan Laubach","startTime":1841.514,"endTime":1843.764,"body":"I've got the time to listen to it."},{"speaker":"Dr. Susan Laubach","startTime":1843.923,"endTime":1849.173,"body":"As far as a book is concerned,"},{"speaker":"Dr. Susan Laubach","startTime":1843.923,"endTime":1849.173,"body":"oh boy I love John Bogle's book."},{"speaker":"Dr. Susan Laubach","startTime":1849.393,"endTime":1854.138,"body":"John Bogle wrote a, oh, it was something"},{"speaker":"Dr. Susan Laubach","startTime":1849.393,"endTime":1854.138,"body":"like the little red book of investing."},{"speaker":"Dr. Susan Laubach","startTime":1854.155,"endTime":1855.473,"body":"I can't, basic book."},{"speaker":"Dr. Susan Laubach","startTime":1855.672,"endTime":1858.612,"body":"He's gone now, but what"},{"speaker":"Dr. Susan Laubach","startTime":1855.672,"endTime":1858.612,"body":"a super-duper guy, yeah."},{"speaker":"Dr. Susan Laubach","startTime":1858.642,"endTime":1861.522,"body":"And he's the one who"},{"speaker":"Dr. Susan Laubach","startTime":1858.642,"endTime":1861.522,"body":"started the Vanguard funds."},{"speaker":"Dr. Susan Laubach","startTime":1861.582,"endTime":1866.862,"body":"And the thing with John, he's such a hero"},{"speaker":"Dr. Susan Laubach","startTime":1861.582,"endTime":1866.862,"body":"in our business because he worked very"},{"speaker":"Dr. Susan Laubach","startTime":1866.862,"endTime":1872.442,"body":"hard to draw attention to the high fees"},{"speaker":"Dr. Susan Laubach","startTime":1866.862,"endTime":1872.442,"body":"that were being charged for mutual funds."},{"speaker":"Dr. Susan Laubach","startTime":1872.742,"endTime":1879.162,"body":"And his whole thing was bringing decent"},{"speaker":"Dr. Susan Laubach","startTime":1872.742,"endTime":1879.162,"body":"investments to people with a low fee,"},{"speaker":"Dr. Susan Laubach","startTime":1879.432,"endTime":1881.202,"body":"as far as mutual funds were concerned."},{"speaker":"Dr. Susan Laubach","startTime":1881.202,"endTime":1881.961,"body":"So he's a hero."},{"speaker":"Average Joe Finances","startTime":1882.143,"endTime":1882.353,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1882.353,"endTime":1882.893,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":1883.043,"endTime":1883.433,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1883.493,"endTime":1884.513,"body":"Vanguard, ETFs."},{"speaker":"Average Joe Finances","startTime":1884.513,"endTime":1885.023,"body":"I love them."},{"speaker":"Average Joe Finances","startTime":1885.023,"endTime":1887.243,"body":"That's actually one of the things"},{"speaker":"Average Joe Finances","startTime":1885.023,"endTime":1887.243,"body":"I like to invest in myself."},{"speaker":"Average Joe Finances","startTime":1887.393,"endTime":1888.113,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":1888.413,"endTime":1888.953,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1888.983,"endTime":1889.863,"body":"Thank you so much for that."},{"speaker":"Average Joe Finances","startTime":1889.863,"endTime":1890.553,"body":"I wrote that down."},{"speaker":"Average Joe Finances","startTime":1890.619,"endTime":1893.139,"body":"Like I said, these questions"},{"speaker":"Average Joe Finances","startTime":1890.619,"endTime":1893.139,"body":"are stuff I like to ask"},{"speaker":"Average Joe Finances","startTime":1893.139,"endTime":1894.318,"body":"because for me, it's more of a."},{"speaker":"Average Joe Finances","startTime":1894.379,"endTime":1897.371,"body":"I believe it adds value because it's"},{"speaker":"Average Joe Finances","startTime":1894.379,"endTime":1897.371,"body":"like a personal question that I want"},{"speaker":"Average Joe Finances","startTime":1897.371,"endTime":1900.831,"body":"to know about you and some of the"},{"speaker":"Average Joe Finances","startTime":1897.371,"endTime":1900.831,"body":"mistakes that you've made, some of"},{"speaker":"Average Joe Finances","startTime":1900.831,"endTime":1902.541,"body":"the things you've learned over time."},{"speaker":"Average Joe Finances","startTime":1902.711,"endTime":1904.643,"body":"And,  so like I said, I wrote that down."},{"speaker":"Average Joe Finances","startTime":1904.643,"endTime":1906.743,"body":"I'm going to go look up the, I'm"},{"speaker":"Average Joe Finances","startTime":1904.643,"endTime":1906.743,"body":"going to try to find that book."},{"speaker":"Average Joe Finances","startTime":1906.893,"endTime":1907.733,"body":"Stuff like that."},{"speaker":"Average Joe Finances","startTime":1907.733,"endTime":1908.813,"body":"It just adds value."},{"speaker":"Average Joe Finances","startTime":1908.842,"endTime":1910.432,"body":"It just helps us get smarter."},{"speaker":"Average Joe Finances","startTime":1910.702,"endTime":1912.652,"body":"It helps us get better at our craft."},{"speaker":"Average Joe Finances","startTime":1912.922,"endTime":1914.692,"body":"And I just absolutely love that."},{"speaker":"Average Joe Finances","startTime":1914.692,"endTime":1915.528,"body":"I think it's amazing."},{"speaker":"Average Joe Finances","startTime":1915.543,"endTime":1918.243,"body":"I do have one more question though,"},{"speaker":"Average Joe Finances","startTime":1915.543,"endTime":1918.243,"body":"besides the four questions I asked you,"},{"speaker":"Average Joe Finances","startTime":1918.243,"endTime":1921.248,"body":"and this is the most important, one of"},{"speaker":"Average Joe Finances","startTime":1918.243,"endTime":1921.248,"body":"all, because the folks that are sitting"},{"speaker":"Average Joe Finances","startTime":1921.248,"endTime":1924.788,"body":"here listening to our conversation"},{"speaker":"Average Joe Finances","startTime":1921.248,"endTime":1924.788,"body":"are like, Hey, I really liked Dr."},{"speaker":"Average Joe Finances","startTime":1924.788,"endTime":1926.598,"body":"Laubach and what she's putting out here."},{"speaker":"Average Joe Finances","startTime":1926.748,"endTime":1928.848,"body":"This book sounds super interesting."},{"speaker":"Average Joe Finances","startTime":1928.848,"endTime":1929.898,"body":"I want to check it out."},{"speaker":"Average Joe Finances","startTime":1930.078,"endTime":1931.128,"body":"Where can I find it?"},{"speaker":"Average Joe Finances","startTime":1931.128,"endTime":1933.228,"body":"So that's the next question for you?"},{"speaker":"Average Joe Finances","startTime":1933.228,"endTime":1935.988,"body":"Where can people find more"},{"speaker":"Average Joe Finances","startTime":1933.228,"endTime":1935.988,"body":"information about you?"},{"speaker":"Average Joe Finances","startTime":1936.138,"endTime":1937.983,"body":"Do you have a website or social media?"},{"speaker":"Average Joe Finances","startTime":1937.983,"endTime":1939.033,"body":"Where can we find your book."},{"speaker":"Dr. Susan Laubach","startTime":1939.158,"endTime":1939.458,"body":"Yes."},{"speaker":"Dr. Susan Laubach","startTime":1939.515,"endTime":1946.224,"body":"My book is on Amazon Kindle and I"},{"speaker":"Dr. Susan Laubach","startTime":1939.515,"endTime":1946.224,"body":"recorded it for,  audible and, I"},{"speaker":"Dr. Susan Laubach","startTime":1946.224,"endTime":1949.476,"body":"have a website, susanlaubach.com."},{"speaker":"Dr. Susan Laubach","startTime":1949.776,"endTime":1951.186,"body":"Not hard to remember."},{"speaker":"Dr. Susan Laubach","startTime":1951.365,"endTime":1954.835,"body":"And I'd be just absolutely"},{"speaker":"Dr. Susan Laubach","startTime":1951.365,"endTime":1954.835,"body":"delighted if people would."},{"speaker":"Dr. Susan Laubach","startTime":1955.038,"endTime":1956.748,"body":"Look up the book and look me up."},{"speaker":"Average Joe Finances","startTime":1957.048,"endTime":1957.978,"body":"Yeah, fantastic."},{"speaker":"Average Joe Finances","startTime":1957.978,"endTime":1960.111,"body":"I'm going to make it easy for"},{"speaker":"Average Joe Finances","startTime":1957.978,"endTime":1960.111,"body":"everybody that's listening."},{"speaker":"Average Joe Finances","startTime":1960.111,"endTime":1963.335,"body":"So even if you can't spell that or"},{"speaker":"Average Joe Finances","startTime":1960.111,"endTime":1963.335,"body":"you're trying to figure it out while"},{"speaker":"Average Joe Finances","startTime":1963.335,"endTime":1967.295,"body":"you're going, I'm going to have"},{"speaker":"Average Joe Finances","startTime":1963.335,"endTime":1967.295,"body":"all of her links in the show notes."},{"speaker":"Average Joe Finances","startTime":1967.475,"endTime":1970.205,"body":"So all you have to do is copy and"},{"speaker":"Average Joe Finances","startTime":1967.475,"endTime":1970.205,"body":"paste and you can go check out"},{"speaker":"Average Joe Finances","startTime":1970.205,"endTime":1971.765,"body":"her book, check out her website."},{"speaker":"Average Joe Finances","startTime":1972.131,"endTime":1973.781,"body":"Learn more about Dr."},{"speaker":"Average Joe Finances","startTime":1973.781,"endTime":1978.431,"body":"Susan Laubach and what she's doing"},{"speaker":"Average Joe Finances","startTime":1973.781,"endTime":1978.431,"body":"and the legacy that she has built."},{"speaker":"Average Joe Finances","startTime":1978.431,"endTime":1979.991,"body":"It's just absolutely phenomenal."},{"speaker":"Average Joe Finances","startTime":1980.141,"endTime":1983.321,"body":"This has been a very"},{"speaker":"Average Joe Finances","startTime":1980.141,"endTime":1983.321,"body":"pleasant conversation."},{"speaker":"Average Joe Finances","startTime":1983.321,"endTime":1987.731,"body":"I genuinely enjoyed it and really"},{"speaker":"Average Joe Finances","startTime":1983.321,"endTime":1987.731,"body":"appreciate you taking the time"},{"speaker":"Average Joe Finances","startTime":1987.731,"endTime":1988.881,"body":"to talk with me on a Saturday."},{"speaker":"Average Joe Finances","startTime":1989.031,"endTime":1992.862,"body":"From the chilly, windy area"},{"speaker":"Average Joe Finances","startTime":1989.031,"endTime":1992.862,"body":"of Manhattan right now."},{"speaker":"Dr. Susan Laubach","startTime":1993.027,"endTime":1995.247,"body":"I really"},{"speaker":"Dr. Susan Laubach","startTime":1993.027,"endTime":1995.247,"body":"enjoyed our time together."},{"speaker":"Dr. Susan Laubach","startTime":1995.247,"endTime":1999.04,"body":"Mike has been a lot of fun, I love"},{"speaker":"Dr. Susan Laubach","startTime":1995.247,"endTime":1999.04,"body":"to talk about the market and,  it's"},{"speaker":"Dr. Susan Laubach","startTime":1999.04,"endTime":2001.441,"body":"so nice to hear your thoughts too."},{"speaker":"Dr. Susan Laubach","startTime":2001.681,"endTime":2004.801,"body":"So thanks so much for"},{"speaker":"Dr. Susan Laubach","startTime":2001.681,"endTime":2004.801,"body":"having me on your show."},{"speaker":"Average Joe Finances","startTime":2005.101,"endTime":2007.711,"body":"Ah, thank"},{"speaker":"Average Joe Finances","startTime":2005.101,"endTime":2007.711,"body":"you so much in Aloha from Hawaii."}]}