{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.299,"endTime":0.84,"body":"Hey everybody."},{"speaker":"Average Joe Finances","startTime":0.84,"endTime":3.06,"body":"Welcome back  to the average"},{"speaker":"Average Joe Finances","startTime":0.84,"endTime":3.06,"body":"Joe finances podcast."},{"speaker":"Average Joe Finances","startTime":3.06,"endTime":7.86,"body":"I'm your host, Mike Cavaggioni and today's"},{"speaker":"Average Joe Finances","startTime":3.06,"endTime":7.86,"body":"guest is Drew White from Create Tailwind."},{"speaker":"Average Joe Finances","startTime":7.86,"endTime":9.57,"body":"So really excited to talk about drew."},{"speaker":"Average Joe Finances","startTime":9.57,"endTime":12.45,"body":"We just had, an awesome conversation"},{"speaker":"Average Joe Finances","startTime":9.57,"endTime":12.45,"body":"before I hit the record button."},{"speaker":"Average Joe Finances","startTime":12.599,"endTime":15.362,"body":"He's got an amazing story"},{"speaker":"Average Joe Finances","startTime":12.599,"endTime":15.362,"body":"and stuff to share with you,"},{"speaker":"Average Joe Finances","startTime":15.367,"endTime":16.772,"body":"all some great information."},{"speaker":"Average Joe Finances","startTime":16.922,"endTime":19.412,"body":"I am really excited"},{"speaker":"Average Joe Finances","startTime":16.922,"endTime":19.412,"body":"about this conversation."},{"speaker":"Average Joe Finances","startTime":19.412,"endTime":20.252,"body":"That's about to take place."},{"speaker":"Average Joe Finances","startTime":20.252,"endTime":21.857,"body":"So Drew, welcome to the show."},{"speaker":"Drew White","startTime":22.137,"endTime":23.657,"body":"Mike thank"},{"speaker":"Drew White","startTime":22.137,"endTime":23.657,"body":"you for having me, man."},{"speaker":"Drew White","startTime":23.657,"endTime":25.487,"body":"I'm excited to have a"},{"speaker":"Drew White","startTime":23.657,"endTime":25.487,"body":"conversation with you."},{"speaker":"Average Joe Finances","startTime":25.787,"endTime":26.627,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":26.689,"endTime":30.176,"body":"Hey, the way I like to start this off"},{"speaker":"Average Joe Finances","startTime":26.689,"endTime":30.176,"body":"we talked about this before we even"},{"speaker":"Average Joe Finances","startTime":30.176,"endTime":34.29,"body":"hit record, I like to just have this"},{"speaker":"Average Joe Finances","startTime":30.176,"endTime":34.29,"body":"as be a genuine conversation, but what"},{"speaker":"Average Joe Finances","startTime":34.295,"endTime":37.71,"body":"we really want to know is a little bit"},{"speaker":"Average Joe Finances","startTime":34.295,"endTime":37.71,"body":"more about you and your background."},{"speaker":"Average Joe Finances","startTime":37.95,"endTime":39.42,"body":"So, who are you?"},{"speaker":"Average Joe Finances","startTime":39.42,"endTime":41.76,"body":"How'd you get started,"},{"speaker":"Average Joe Finances","startTime":39.42,"endTime":41.76,"body":"share your story with us."},{"speaker":"Drew White","startTime":42.06,"endTime":42.54,"body":"Yeah, man."},{"speaker":"Drew White","startTime":42.57,"endTime":45.715,"body":"I was born on a cold winter"},{"speaker":"Drew White","startTime":42.57,"endTime":45.715,"body":"night and no, I'm just kidding."},{"speaker":"Drew White","startTime":45.715,"endTime":47.155,"body":"I'm not gonna go that far back on you."},{"speaker":"Drew White","startTime":47.525,"endTime":48.605,"body":"But, no, it's okay."},{"speaker":"Drew White","startTime":48.668,"endTime":51.523,"body":"I was  born and raised Omaha,"},{"speaker":"Drew White","startTime":48.668,"endTime":51.523,"body":"Nebraska still live here today."},{"speaker":"Drew White","startTime":51.603,"endTime":54.543,"body":"I was a pediatric oncology"},{"speaker":"Drew White","startTime":51.603,"endTime":54.543,"body":"nurse for 10 years."},{"speaker":"Drew White","startTime":54.693,"endTime":58.023,"body":"And that's really the start of my"},{"speaker":"Drew White","startTime":54.693,"endTime":58.023,"body":"journey of my financial journey anyway."},{"speaker":"Drew White","startTime":58.273,"endTime":62.576,"body":"Because I graduated with 150,000"},{"speaker":"Drew White","startTime":58.273,"endTime":62.576,"body":"plus in student loan debt."},{"speaker":"Drew White","startTime":62.876,"endTime":64.993,"body":"And up to that point, I"},{"speaker":"Drew White","startTime":62.876,"endTime":64.993,"body":"knew nothing about money."},{"speaker":"Drew White","startTime":64.993,"endTime":66.793,"body":"I didn't come from a"},{"speaker":"Drew White","startTime":64.993,"endTime":66.793,"body":"background with money."},{"speaker":"Drew White","startTime":66.793,"endTime":68.023,"body":"My dad was a pastor."},{"speaker":"Drew White","startTime":68.301,"endTime":70.803,"body":"And so all we really knew"},{"speaker":"Drew White","startTime":68.301,"endTime":70.803,"body":"were just, like I, I didn't"},{"speaker":"Drew White","startTime":70.803,"endTime":72.013,"body":"really know budgeting, nothing."},{"speaker":"Drew White","startTime":72.163,"endTime":75.673,"body":"My dad being a good father, that he is,"},{"speaker":"Drew White","startTime":72.163,"endTime":75.673,"body":"was a little bit worried about me when"},{"speaker":"Drew White","startTime":75.673,"endTime":79.312,"body":"he realized like, Hey, you're in quite a"},{"speaker":"Drew White","startTime":75.673,"endTime":79.312,"body":"bit of debt here and you're making like"},{"speaker":"Drew White","startTime":79.312,"endTime":81.562,"body":"40,000 a year, this is not lining up."},{"speaker":"Drew White","startTime":81.862,"endTime":85.533,"body":"And and so he sat me down, taught me"},{"speaker":"Drew White","startTime":81.862,"endTime":85.533,"body":"a little Dave Ramsey and Dave does the"},{"speaker":"Drew White","startTime":85.533,"endTime":87.866,"body":"gazelle style, the, paying off the debt."},{"speaker":"Drew White","startTime":87.866,"endTime":90.555,"body":"And so I, I went at it,"},{"speaker":"Drew White","startTime":87.866,"endTime":90.555,"body":"tacked it aggressively."},{"speaker":"Drew White","startTime":90.584,"endTime":95.046,"body":"It was when I realized oh my gosh, half"},{"speaker":"Drew White","startTime":90.584,"endTime":95.046,"body":"my money is going to pan down my debt."},{"speaker":"Drew White","startTime":95.046,"endTime":96.017,"body":"This is, this is crazy."},{"speaker":"Drew White","startTime":96.017,"endTime":97.007,"body":"What did I do to myself?"},{"speaker":"Drew White","startTime":97.007,"endTime":99.746,"body":"And, we won't get into it or maybe we"},{"speaker":"Drew White","startTime":97.007,"endTime":99.746,"body":"will, I don't know why an 18 year old"},{"speaker":"Drew White","startTime":99.746,"endTime":103.805,"body":"was allowed to make that decision, but I"},{"speaker":"Drew White","startTime":99.746,"endTime":103.805,"body":"was  and that's where my journey started."},{"speaker":"Drew White","startTime":103.81,"endTime":106.252,"body":"So I got a lot of debt paid"},{"speaker":"Drew White","startTime":103.81,"endTime":106.252,"body":"it off pretty quickly added"},{"speaker":"Drew White","startTime":106.252,"endTime":107.902,"body":"my wife's debt to it as well."},{"speaker":"Drew White","startTime":108.082,"endTime":111.267,"body":"And that's really when I"},{"speaker":"Drew White","startTime":108.082,"endTime":111.267,"body":"started to it opened me up to."},{"speaker":"Drew White","startTime":111.314,"endTime":111.524,"body":"Okay."},{"speaker":"Drew White","startTime":111.734,"endTime":112.754,"body":"What are other people doing?"},{"speaker":"Drew White","startTime":112.904,"endTime":114.224,"body":"How are other people growing their wealth?"},{"speaker":"Drew White","startTime":114.224,"endTime":115.374,"body":"I was like, now what do I do?"},{"speaker":"Drew White","startTime":115.424,"endTime":119.179,"body":"I've been in scarcity, I've just really"},{"speaker":"Drew White","startTime":115.424,"endTime":119.179,"body":"been like grinding paying this off."},{"speaker":"Drew White","startTime":119.179,"endTime":120.13,"body":"What do I do now?"},{"speaker":"Drew White","startTime":120.152,"endTime":121.732,"body":"So I learned a little"},{"speaker":"Drew White","startTime":120.152,"endTime":121.732,"body":"bit about real estate."},{"speaker":"Drew White","startTime":121.882,"endTime":124.762,"body":"I did some day trading flip some"},{"speaker":"Drew White","startTime":121.882,"endTime":124.762,"body":"mobile homes, and then I found my way"},{"speaker":"Drew White","startTime":124.762,"endTime":128.332,"body":"to, what I teach people now, which"},{"speaker":"Drew White","startTime":124.762,"endTime":128.332,"body":"is the infinite banking concept."},{"speaker":"Drew White","startTime":128.332,"endTime":130.852,"body":"And there were some things"},{"speaker":"Drew White","startTime":128.332,"endTime":130.852,"body":"that overflowed there with real"},{"speaker":"Drew White","startTime":130.852,"endTime":132.592,"body":"estate and infinite banking."},{"speaker":"Drew White","startTime":132.663,"endTime":136.503,"body":"But that $150,000 student loan debt"},{"speaker":"Drew White","startTime":132.663,"endTime":136.503,"body":"and really was what kicked it off."},{"speaker":"Drew White","startTime":136.503,"endTime":138.545,"body":"And it was about a 10 year journey."},{"speaker":"Drew White","startTime":138.845,"endTime":142.683,"body":"and I, and now I do what I do today and I"},{"speaker":"Drew White","startTime":138.845,"endTime":142.683,"body":"let my nursing license expire last year."},{"speaker":"Average Joe Finances","startTime":142.833,"endTime":143.343,"body":"Oh, wow."},{"speaker":"Average Joe Finances","startTime":143.373,"endTime":143.553,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":143.553,"endTime":148.817,"body":"So yeah you have completely separated"},{"speaker":"Average Joe Finances","startTime":143.553,"endTime":148.817,"body":"yourself from your nine to five, and"},{"speaker":"Average Joe Finances","startTime":148.847,"endTime":150.107,"body":"now you're a full-time entrepreneur."},{"speaker":"Drew White","startTime":150.407,"endTime":150.977,"body":"Yeah, it's good stuff."},{"speaker":"Average Joe Finances","startTime":151.118,"endTime":153.322,"body":"It's funny because"},{"speaker":"Average Joe Finances","startTime":151.118,"endTime":153.322,"body":"there's a lot of people that I've talked"},{"speaker":"Average Joe Finances","startTime":153.327,"endTime":157.078,"body":"to and even myself, that, that look back"},{"speaker":"Average Joe Finances","startTime":153.327,"endTime":157.078,"body":"and say, when you first started this"},{"speaker":"Average Joe Finances","startTime":157.078,"endTime":161.248,"body":"journey to, to building your finances"},{"speaker":"Average Joe Finances","startTime":157.078,"endTime":161.248,"body":"and getting outta debt, a lot of people"},{"speaker":"Average Joe Finances","startTime":161.248,"endTime":165.952,"body":"come back to the whole Dave Ramsey and"},{"speaker":"Average Joe Finances","startTime":161.248,"endTime":165.952,"body":"seven baby steps and all that good stuff."},{"speaker":"Average Joe Finances","startTime":166.009,"endTime":168.943,"body":"I did the same thing, I've I was following"},{"speaker":"Average Joe Finances","startTime":166.009,"endTime":168.943,"body":"the baby steps to get outta debt."},{"speaker":"Average Joe Finances","startTime":169.153,"endTime":172.239,"body":"I didn't have quite as much"},{"speaker":"Average Joe Finances","startTime":169.153,"endTime":172.239,"body":"debt as you but it was up there."},{"speaker":"Average Joe Finances","startTime":172.277,"endTime":175.062,"body":"And it worked out pretty good, like"},{"speaker":"Average Joe Finances","startTime":172.277,"endTime":175.062,"body":"to actually get rid of the But at"},{"speaker":"Average Joe Finances","startTime":175.062,"endTime":178.392,"body":"the same time, like after I was"},{"speaker":"Average Joe Finances","startTime":175.062,"endTime":178.392,"body":"debt free, I was like, now what."},{"speaker":"Drew White","startTime":178.692,"endTime":179.022,"body":"Yep."},{"speaker":"Drew White","startTime":179.082,"endTime":181.312,"body":"So that's when I started, exploring"},{"speaker":"Drew White","startTime":179.082,"endTime":181.312,"body":"different options and that's when I"},{"speaker":"Drew White","startTime":181.312,"endTime":182.782,"body":"got into to real estate investing."},{"speaker":"Average Joe Finances","startTime":182.87,"endTime":184.774,"body":"Now you had"},{"speaker":"Average Joe Finances","startTime":182.87,"endTime":184.774,"body":"mentioned something you had said, that"},{"speaker":"Average Joe Finances","startTime":184.774,"endTime":188.112,"body":"you're doing infinite banking now  and"},{"speaker":"Average Joe Finances","startTime":184.774,"endTime":188.112,"body":"I know  a little bit about that, right?"},{"speaker":"Average Joe Finances","startTime":188.144,"endTime":190.925,"body":"I do velocity banking myself"},{"speaker":"Average Joe Finances","startTime":188.144,"endTime":190.925,"body":"and I've had a couple people on"},{"speaker":"Average Joe Finances","startTime":190.93,"endTime":192.695,"body":"talk about that on my podcast."},{"speaker":"Average Joe Finances","startTime":192.747,"endTime":196.88,"body":"In the past, haven't had a lot of"},{"speaker":"Average Joe Finances","startTime":192.747,"endTime":196.88,"body":"people come on to talk infinite banking."},{"speaker":"Average Joe Finances","startTime":196.88,"endTime":200.06,"body":"We've maybe had maybe one or two guests"},{"speaker":"Average Joe Finances","startTime":196.88,"endTime":200.06,"body":"that have, talked about a little bit."},{"speaker":"Average Joe Finances","startTime":200.06,"endTime":202.91,"body":"So I'd like to, go into"},{"speaker":"Average Joe Finances","startTime":200.06,"endTime":202.91,"body":"your experiences with that."},{"speaker":"Average Joe Finances","startTime":203.18,"endTime":206.253,"body":"And how did you get started"},{"speaker":"Average Joe Finances","startTime":203.18,"endTime":206.253,"body":"in infinite banking?"},{"speaker":"Average Joe Finances","startTime":206.327,"endTime":210.431,"body":"And I guess maybe let's rewind"},{"speaker":"Average Joe Finances","startTime":206.327,"endTime":210.431,"body":"it back to, when you started"},{"speaker":"Average Joe Finances","startTime":210.436,"endTime":214.396,"body":"investing in general, how did you"},{"speaker":"Average Joe Finances","startTime":210.436,"endTime":214.396,"body":"get to the point where infinite"},{"speaker":"Average Joe Finances","startTime":214.396,"endTime":215.746,"body":"banking was the next step for you?"},{"speaker":"Drew White","startTime":216.046,"endTime":216.496,"body":"Sure."},{"speaker":"Drew White","startTime":216.546,"endTime":217.973,"body":"So it's honestly interesting."},{"speaker":"Drew White","startTime":217.973,"endTime":220.702,"body":"I had a friend we're sitting down"},{"speaker":"Drew White","startTime":217.973,"endTime":220.702,"body":"in a coffee with another group of"},{"speaker":"Drew White","startTime":220.702,"endTime":224.069,"body":"friends and he slides me this book"},{"speaker":"Drew White","startTime":220.702,"endTime":224.069,"body":"and it's called the Bitcoin standard."},{"speaker":"Drew White","startTime":224.369,"endTime":227.296,"body":"And this will tie into infinite banking,"},{"speaker":"Drew White","startTime":224.369,"endTime":227.296,"body":"he slides it over to me and it looks"},{"speaker":"Drew White","startTime":227.301,"endTime":228.586,"body":"like the most boring book in the world."},{"speaker":"Drew White","startTime":228.646,"endTime":231.637,"body":"And I'm like, oh my God, a friend"},{"speaker":"Drew White","startTime":228.646,"endTime":231.637,"body":"gives you a book, you have to read it."},{"speaker":"Drew White","startTime":231.637,"endTime":233.497,"body":"And it wasn't like he was giving it to me."},{"speaker":"Drew White","startTime":233.737,"endTime":235.207,"body":"It was his book I was borrowing."},{"speaker":"Drew White","startTime":235.207,"endTime":236.967,"body":"So I was like, now I"},{"speaker":"Drew White","startTime":235.207,"endTime":236.967,"body":"really have to read it."},{"speaker":"Average Joe Finances","startTime":236.967,"endTime":238.347,"body":"Is that"},{"speaker":"Average Joe Finances","startTime":236.967,"endTime":238.347,"body":"the really, really thick one?"},{"speaker":"Drew White","startTime":238.497,"endTime":240.059,"body":"It's not, no,"},{"speaker":"Drew White","startTime":238.497,"endTime":240.059,"body":"it's pretty normal size."},{"speaker":"Drew White","startTime":240.089,"endTime":240.119,"body":"Okay."},{"speaker":"Drew White","startTime":240.149,"endTime":241.538,"body":"But in front of it looks boring."},{"speaker":"Drew White","startTime":241.538,"endTime":244.448,"body":"I think it's got a gold bar and some like"},{"speaker":"Drew White","startTime":241.538,"endTime":244.448,"body":"a wheel or something I don't remember."},{"speaker":"Drew White","startTime":244.448,"endTime":249.011,"body":"But, and but that book really it, he"},{"speaker":"Drew White","startTime":244.448,"endTime":249.011,"body":"doesn't talk so much about Bitcoin until"},{"speaker":"Drew White","startTime":249.011,"endTime":252.461,"body":"the pretty much like the last chapter,"},{"speaker":"Drew White","startTime":249.011,"endTime":252.461,"body":"but he explains like what's going on."},{"speaker":"Drew White","startTime":252.721,"endTime":256.741,"body":"And the history of money and the economy"},{"speaker":"Drew White","startTime":252.721,"endTime":256.741,"body":"and all these things with the Fiat"},{"speaker":"Drew White","startTime":256.741,"endTime":258.601,"body":"standard that I just didn't understand."},{"speaker":"Drew White","startTime":258.809,"endTime":263.813,"body":"And so I read that, which, opened me up"},{"speaker":"Drew White","startTime":258.809,"endTime":263.813,"body":"to, Bitcoin, but I tell people I never"},{"speaker":"Drew White","startTime":263.813,"endTime":266.033,"body":"would've been open to infinite banking."},{"speaker":"Drew White","startTime":266.033,"endTime":267.543,"body":"And just even looking into that further."},{"speaker":"Drew White","startTime":267.751,"endTime":271.398,"body":"Because Bitcoin really made me curious"},{"speaker":"Drew White","startTime":267.751,"endTime":271.398,"body":"and made me wanna understand economics"},{"speaker":"Drew White","startTime":271.403,"endTime":274.878,"body":"on a larger level, and I'm not a master"},{"speaker":"Drew White","startTime":271.403,"endTime":274.878,"body":"of economics, but I definitely understand"},{"speaker":"Drew White","startTime":274.878,"endTime":278.808,"body":"more now with fiat money and not being"},{"speaker":"Drew White","startTime":274.878,"endTime":278.808,"body":"our money, not being backed by gold."},{"speaker":"Drew White","startTime":278.993,"endTime":282.563,"body":"And so that is really what opened"},{"speaker":"Drew White","startTime":278.993,"endTime":282.563,"body":"me and be like really allowed me to"},{"speaker":"Drew White","startTime":282.568,"endTime":286.093,"body":"be a questioner and be like, When I"},{"speaker":"Drew White","startTime":282.568,"endTime":286.093,"body":"first heard infinite banking, not just"},{"speaker":"Drew White","startTime":286.153,"endTime":288.043,"body":"write it off as, oh, that's a scam."},{"speaker":"Drew White","startTime":288.293,"endTime":288.987,"body":"I've never heard of that."},{"speaker":"Drew White","startTime":288.989,"endTime":292.096,"body":"And because we mentioned my"},{"speaker":"Drew White","startTime":288.989,"endTime":292.096,"body":"Dave Ramsey background, infinite"},{"speaker":"Drew White","startTime":292.101,"endTime":293.716,"body":"banking, spoiler alert for people."},{"speaker":"Drew White","startTime":293.716,"endTime":295.186,"body":"It involves whole life insurance."},{"speaker":"Drew White","startTime":295.186,"endTime":299.361,"body":"And so if you're a Dave Ramsey"},{"speaker":"Drew White","startTime":295.186,"endTime":299.361,"body":"person, you're typically skeptical"},{"speaker":"Drew White","startTime":299.361,"endTime":302.908,"body":"of whole life insurance as I was,"},{"speaker":"Drew White","startTime":299.361,"endTime":302.908,"body":"because he rails on it a little bit."},{"speaker":"Drew White","startTime":302.908,"endTime":305.649,"body":"And but because of that book, because"},{"speaker":"Drew White","startTime":302.908,"endTime":305.649,"body":"I had started to like, be like,"},{"speaker":"Drew White","startTime":305.679,"endTime":308.709,"body":"oh, I understood a little bit more"},{"speaker":"Drew White","startTime":305.679,"endTime":308.709,"body":"about what's going on economically."},{"speaker":"Drew White","startTime":308.715,"endTime":310.695,"body":"In the world, I was like, more open to it."},{"speaker":"Drew White","startTime":310.719,"endTime":313.564,"body":"And if you want me to get into, I can,"},{"speaker":"Drew White","startTime":310.719,"endTime":313.564,"body":"how I first came across it, but that's"},{"speaker":"Drew White","startTime":313.774,"endTime":317.322,"body":"that book actually allowed me to be"},{"speaker":"Drew White","startTime":313.774,"endTime":317.322,"body":"at least a little bit more open minded"},{"speaker":"Drew White","startTime":317.322,"endTime":319.407,"body":"because I had ruled out Bitcoin as well."},{"speaker":"Drew White","startTime":319.407,"endTime":321.177,"body":"I thought Bitcoiners were dumb."},{"speaker":"Drew White","startTime":321.177,"endTime":322.889,"body":"I wasn't into it, and then that book just."},{"speaker":"Drew White","startTime":323.045,"endTime":324.888,"body":"Oh I understand a little bit more now."},{"speaker":"Average Joe Finances","startTime":325.038,"endTime":325.941,"body":"No, that's great, man."},{"speaker":"Average Joe Finances","startTime":325.969,"endTime":329.371,"body":"I do, I'd like to, I'd love to dive"},{"speaker":"Average Joe Finances","startTime":325.969,"endTime":329.371,"body":"a little bit more into into that"},{"speaker":"Average Joe Finances","startTime":329.371,"endTime":333.393,"body":"cuz this book opened dress, but"},{"speaker":"Average Joe Finances","startTime":329.371,"endTime":333.393,"body":"I'm curious like it's, this is a"},{"speaker":"Average Joe Finances","startTime":333.393,"endTime":334.953,"body":"book called the Bitcoin standard."},{"speaker":"Average Joe Finances","startTime":334.958,"endTime":338.102,"body":"How did it open your"},{"speaker":"Average Joe Finances","startTime":334.958,"endTime":338.102,"body":"eyes to infinite banking?"},{"speaker":"Drew White","startTime":338.402,"endTime":338.732,"body":"Yeah."},{"speaker":"Drew White","startTime":338.732,"endTime":342.395,"body":"How I found infinite banking was my kids"},{"speaker":"Drew White","startTime":338.732,"endTime":342.395,"body":"were playing at a playground and I was"},{"speaker":"Drew White","startTime":342.395,"endTime":345.455,"body":"listening to a podcast and I hear these"},{"speaker":"Drew White","startTime":342.395,"endTime":345.455,"body":"guys come on and the other phrase that"},{"speaker":"Drew White","startTime":345.455,"endTime":348.092,"body":"people might have heard with infinite"},{"speaker":"Drew White","startTime":345.455,"endTime":348.092,"body":"banking, becoming your own banker."},{"speaker":"Drew White","startTime":348.092,"endTime":349.382,"body":"That's the other thing it's known by."},{"speaker":"Drew White","startTime":349.682,"endTime":352.414,"body":"And so I hear this, I hear this"},{"speaker":"Drew White","startTime":349.682,"endTime":352.414,"body":"podcast and these two guys are talking"},{"speaker":"Drew White","startTime":352.414,"endTime":353.654,"body":"about becoming your own banker."},{"speaker":"Drew White","startTime":353.804,"endTime":356.186,"body":"And at first again, I'm like,"},{"speaker":"Drew White","startTime":353.804,"endTime":356.186,"body":"huh, this sounds scammy."},{"speaker":"Drew White","startTime":356.186,"endTime":357.146,"body":"I don't know about this."},{"speaker":"Drew White","startTime":357.205,"endTime":359.275,"body":"And then I reach out to one"},{"speaker":"Drew White","startTime":357.205,"endTime":359.275,"body":"of 'em and he and I chat and"},{"speaker":"Drew White","startTime":359.275,"endTime":361.109,"body":"he has a Bitcoin connection."},{"speaker":"Drew White","startTime":361.114,"endTime":362.978,"body":"And so we both, chatted about Bitcoin."},{"speaker":"Drew White","startTime":363.195,"endTime":366.06,"body":"And and then he sends me this book"},{"speaker":"Drew White","startTime":363.195,"endTime":366.06,"body":"about becoming your own banker."},{"speaker":"Drew White","startTime":366.06,"endTime":369.165,"body":"Becoming Your Own Banker it"},{"speaker":"Drew White","startTime":366.06,"endTime":369.165,"body":"talks not just about setting"},{"speaker":"Drew White","startTime":369.165,"endTime":370.411,"body":"up this system and everything."},{"speaker":"Drew White","startTime":370.411,"endTime":373.95,"body":"It talks about what's going on, with our"},{"speaker":"Drew White","startTime":370.411,"endTime":373.95,"body":"money and the banking system and with, the"},{"speaker":"Drew White","startTime":373.95,"endTime":378.27,"body":"bank printing, being able to print, seven,"},{"speaker":"Drew White","startTime":373.95,"endTime":378.27,"body":"10 times the deposit you put in the bank."},{"speaker":"Drew White","startTime":378.27,"endTime":381.553,"body":"And because I understood that"},{"speaker":"Drew White","startTime":378.27,"endTime":381.553,"body":"Bitcoin standard talks about banking."},{"speaker":"Drew White","startTime":381.553,"endTime":384.733,"body":"It talks about Fiat money and then"},{"speaker":"Drew White","startTime":381.553,"endTime":384.733,"body":"this becoming your own banker also"},{"speaker":"Drew White","startTime":384.733,"endTime":388.393,"body":"ties into that and talks about"},{"speaker":"Drew White","startTime":384.733,"endTime":388.393,"body":"how the banking system works,"},{"speaker":"Drew White","startTime":388.418,"endTime":389.751,"body":"how we're just, printing money."},{"speaker":"Drew White","startTime":389.756,"endTime":393.88,"body":"And so that's really where I was like,"},{"speaker":"Drew White","startTime":389.756,"endTime":393.88,"body":"oh, these two do connect a little bit."},{"speaker":"Drew White","startTime":394.12,"endTime":395.815,"body":"And like I said, I was more open to it."},{"speaker":"Drew White","startTime":395.82,"endTime":398.492,"body":"And so as I read that book, I was"},{"speaker":"Drew White","startTime":395.82,"endTime":398.492,"body":"just only about halfway through"},{"speaker":"Drew White","startTime":398.492,"endTime":402.355,"body":"it and I remember closing it and"},{"speaker":"Drew White","startTime":398.492,"endTime":402.355,"body":"I turned to my wife cuz I knew, I"},{"speaker":"Drew White","startTime":402.355,"endTime":403.895,"body":"wanted to do something in money."},{"speaker":"Drew White","startTime":403.895,"endTime":405.798,"body":"Ever since I first started"},{"speaker":"Drew White","startTime":403.895,"endTime":405.798,"body":"learning the Dave way."},{"speaker":"Drew White","startTime":405.798,"endTime":408.327,"body":"And so I, I closed the book and"},{"speaker":"Drew White","startTime":405.798,"endTime":408.327,"body":"I turned to my wife and I said, I"},{"speaker":"Drew White","startTime":408.327,"endTime":411.717,"body":"wanna do this with our money but I"},{"speaker":"Drew White","startTime":408.327,"endTime":411.717,"body":"also know that I wanna teach people."},{"speaker":"Drew White","startTime":411.722,"endTime":414.607,"body":"I don't know why, and so then I, so"},{"speaker":"Drew White","startTime":411.722,"endTime":414.607,"body":"we started this ourselves and then I"},{"speaker":"Drew White","startTime":414.607,"endTime":419.208,"body":"started teaching other people and I'd"},{"speaker":"Drew White","startTime":414.607,"endTime":419.208,"body":"always had nurses ask me for advice"},{"speaker":"Drew White","startTime":419.208,"endTime":422.321,"body":"on money and even just stuff on how to"},{"speaker":"Drew White","startTime":419.208,"endTime":422.321,"body":"set up their insurance, their health"},{"speaker":"Drew White","startTime":422.321,"endTime":423.581,"body":"insurance, what, how to choose it."},{"speaker":"Drew White","startTime":423.881,"endTime":424.995,"body":"So I always knew that was in me."},{"speaker":"Drew White","startTime":424.995,"endTime":428.372,"body":"And that just pretty much was like that"},{"speaker":"Drew White","startTime":424.995,"endTime":428.372,"body":"point that it awakened in me and was"},{"speaker":"Drew White","startTime":428.377,"endTime":429.572,"body":"like, okay, this is what I wanna do."},{"speaker":"Average Joe Finances","startTime":429.872,"endTime":430.446,"body":"No that's great."},{"speaker":"Average Joe Finances","startTime":430.49,"endTime":435.437,"body":"A lot of people they find like these great"},{"speaker":"Average Joe Finances","startTime":430.49,"endTime":435.437,"body":"vehicles for investing and just being able"},{"speaker":"Average Joe Finances","startTime":435.455,"endTime":439.142,"body":"to do awesome things for themself, they"},{"speaker":"Average Joe Finances","startTime":435.455,"endTime":439.142,"body":"want to go and share with other people."},{"speaker":"Average Joe Finances","startTime":439.142,"endTime":442.401,"body":"It's one of the reasons why I started"},{"speaker":"Average Joe Finances","startTime":439.142,"endTime":442.401,"body":"this whole podcast as well is to get"},{"speaker":"Average Joe Finances","startTime":442.401,"endTime":445.341,"body":"like some of this really good information"},{"speaker":"Average Joe Finances","startTime":442.401,"endTime":445.341,"body":"out there, cuz there's so many people"},{"speaker":"Average Joe Finances","startTime":445.346,"endTime":447.082,"body":"that, might wanna do the strategy."},{"speaker":"Average Joe Finances","startTime":447.082,"endTime":448.282,"body":"They just don't know it yet."},{"speaker":"Average Joe Finances","startTime":448.282,"endTime":451.441,"body":"They're just not too sure, they've never"},{"speaker":"Average Joe Finances","startTime":448.282,"endTime":451.441,"body":"heard of it, or they may have heard of"},{"speaker":"Average Joe Finances","startTime":451.441,"endTime":455.064,"body":"it, but they heard, just bits and pieces,"},{"speaker":"Average Joe Finances","startTime":451.441,"endTime":455.064,"body":"not enough to make them comfortable to"},{"speaker":"Average Joe Finances","startTime":455.069,"endTime":456.552,"body":"try to get into something like this."},{"speaker":"Average Joe Finances","startTime":456.562,"endTime":460.791,"body":"You read this book what was it that kind"},{"speaker":"Average Joe Finances","startTime":456.562,"endTime":460.791,"body":"of flipped that switch that said, you"},{"speaker":"Average Joe Finances","startTime":460.791,"endTime":463.569,"body":"know what, I know you said, you wanted"},{"speaker":"Average Joe Finances","startTime":460.791,"endTime":463.569,"body":"to go right in and start teaching other"},{"speaker":"Average Joe Finances","startTime":463.569,"endTime":466.449,"body":"people about it, but what flipped the"},{"speaker":"Average Joe Finances","startTime":463.569,"endTime":466.449,"body":"switch to make you want to actually say,"},{"speaker":"Average Joe Finances","startTime":466.646,"endTime":471.956,"body":"I'm gonna invest my own money into my"},{"speaker":"Average Joe Finances","startTime":466.646,"endTime":471.956,"body":"whole life insurance policy to be able"},{"speaker":"Average Joe Finances","startTime":471.956,"endTime":473.486,"body":"to use that for future investments?"},{"speaker":"Average Joe Finances","startTime":473.636,"endTime":474.656,"body":"What was that trigger?"},{"speaker":"Drew White","startTime":474.956,"endTime":475.286,"body":"Yeah."},{"speaker":"Drew White","startTime":475.364,"endTime":480.019,"body":"It was, a lot in that book, Nelson Nash,"},{"speaker":"Drew White","startTime":475.364,"endTime":480.019,"body":"the way he breaks it down and he talks,"},{"speaker":"Drew White","startTime":480.229,"endTime":483.738,"body":"he gives you this example of, and he does"},{"speaker":"Drew White","startTime":480.229,"endTime":483.738,"body":"it this way so that everybody can relate."},{"speaker":"Drew White","startTime":483.743,"endTime":486.718,"body":"He gives you this example of being"},{"speaker":"Drew White","startTime":483.743,"endTime":486.718,"body":"a grocery store owner, and he talks"},{"speaker":"Drew White","startTime":486.718,"endTime":490.318,"body":"about, Basically his point is that you"},{"speaker":"Drew White","startTime":486.718,"endTime":490.318,"body":"want to be the owner of your money, of"},{"speaker":"Drew White","startTime":490.318,"endTime":492.358,"body":"your banking system, not a customer."},{"speaker":"Drew White","startTime":492.508,"endTime":495.838,"body":"And he gives a story too, about how you"},{"speaker":"Drew White","startTime":492.508,"endTime":495.838,"body":"don't wanna steal the peas from your own"},{"speaker":"Drew White","startTime":495.843,"endTime":497.83,"body":"bank, or from your own grocery store."},{"speaker":"Drew White","startTime":497.83,"endTime":498.2,"body":"Sorry."},{"speaker":"Drew White","startTime":498.35,"endTime":502.1,"body":"And so that idea, that concept, I"},{"speaker":"Drew White","startTime":498.35,"endTime":502.1,"body":"never really heard that of wait,"},{"speaker":"Drew White","startTime":502.1,"endTime":503.78,"body":"I couldn't become my own bank."},{"speaker":"Drew White","startTime":503.78,"endTime":505.17,"body":"I can create a system."},{"speaker":"Drew White","startTime":505.47,"endTime":506.76,"body":"Or I'm the owner, right?"},{"speaker":"Drew White","startTime":506.76,"endTime":510.87,"body":"Instead of the bank using my money to"},{"speaker":"Drew White","startTime":506.76,"endTime":510.87,"body":"make more money, I can create my own"},{"speaker":"Drew White","startTime":510.87,"endTime":515.06,"body":"pool of money that I have control over"},{"speaker":"Drew White","startTime":510.87,"endTime":515.06,"body":"that I have liquidity over that gets,"},{"speaker":"Drew White","startTime":515.091,"endTime":517.251,"body":"tax free, guaranteed growth over time."},{"speaker":"Drew White","startTime":517.468,"endTime":522.816,"body":"And for me, those concepts I really like"},{"speaker":"Drew White","startTime":517.468,"endTime":522.816,"body":"the idea of I'm not huge into retirement."},{"speaker":"Drew White","startTime":523.116,"endTime":525.786,"body":"To me, retirement means to"},{"speaker":"Drew White","startTime":523.116,"endTime":525.786,"body":"be taken out of service."},{"speaker":"Drew White","startTime":525.834,"endTime":529.51,"body":"And if people do a deep dive on it,"},{"speaker":"Drew White","startTime":525.834,"endTime":529.51,"body":"it was created by the Germans to"},{"speaker":"Drew White","startTime":529.51,"endTime":530.71,"body":"get people out of the workforce."},{"speaker":"Drew White","startTime":530.71,"endTime":534.31,"body":"And so Nelson, he mentions that"},{"speaker":"Drew White","startTime":530.71,"endTime":534.31,"body":"in his book and that we're all,"},{"speaker":"Drew White","startTime":534.339,"endTime":536.731,"body":"a lot of people are waiting to"},{"speaker":"Drew White","startTime":534.339,"endTime":536.731,"body":"use their money to a later date."},{"speaker":"Drew White","startTime":536.731,"endTime":540.241,"body":"And so this idea was like, no, let's"},{"speaker":"Drew White","startTime":536.731,"endTime":540.241,"body":"put your money in a system that benefits"},{"speaker":"Drew White","startTime":540.241,"endTime":544.706,"body":"you now that you control now that,"},{"speaker":"Drew White","startTime":540.241,"endTime":544.706,"body":"and then there, there's another huge"},{"speaker":"Drew White","startTime":544.706,"endTime":548.076,"body":"concept that sounds like, almost too"},{"speaker":"Drew White","startTime":544.706,"endTime":548.076,"body":"good to be true with infinite banking."},{"speaker":"Drew White","startTime":548.076,"endTime":548.768,"body":"And that is that."},{"speaker":"Drew White","startTime":548.918,"endTime":552.527,"body":"Whenever you use that money and say,"},{"speaker":"Drew White","startTime":548.918,"endTime":552.527,"body":"go buy real estate or buy a business."},{"speaker":"Drew White","startTime":552.574,"endTime":555.149,"body":"You're really leveraging the"},{"speaker":"Drew White","startTime":552.574,"endTime":555.149,"body":"insurance company's money."},{"speaker":"Drew White","startTime":555.389,"endTime":556.619,"body":"You're using the"},{"speaker":"Drew White","startTime":555.389,"endTime":556.619,"body":"insurance company's money."},{"speaker":"Drew White","startTime":556.619,"endTime":560.409,"body":"So your money continues growing"},{"speaker":"Drew White","startTime":556.619,"endTime":560.409,"body":"tax free, guaranteed uninterrupted."},{"speaker":"Drew White","startTime":560.559,"endTime":562.671,"body":"And for me, it was like,"},{"speaker":"Drew White","startTime":560.559,"endTime":562.671,"body":"oh that's incredible."},{"speaker":"Drew White","startTime":562.762,"endTime":564.352,"body":"I can get my growth going on."},{"speaker":"Drew White","startTime":564.382,"endTime":566.062,"body":"And one side, of the equation."},{"speaker":"Drew White","startTime":566.062,"endTime":569.272,"body":"And then on the other side of the"},{"speaker":"Drew White","startTime":566.062,"endTime":569.272,"body":"equation, outside of my policy banking"},{"speaker":"Drew White","startTime":569.272,"endTime":572.516,"body":"system, I can get in real estate or"},{"speaker":"Drew White","startTime":569.272,"endTime":572.516,"body":"businesses or Bitcoin or whatever."},{"speaker":"Drew White","startTime":572.516,"endTime":575.096,"body":"And so those were some of the"},{"speaker":"Drew White","startTime":572.516,"endTime":575.096,"body":"concepts that was like, I just"},{"speaker":"Drew White","startTime":575.096,"endTime":576.176,"body":"had never heard that before."},{"speaker":"Drew White","startTime":576.176,"endTime":578.066,"body":"And that was like, all I'm in . Yeah."},{"speaker":"Drew White","startTime":578.071,"endTime":578.643,"body":"I'm sold."},{"speaker":"Drew White","startTime":578.643,"endTime":579.633,"body":"It's time to get moving."},{"speaker":"Average Joe Finances","startTime":580.033,"endTime":580.963,"body":"That's good stuff, man."},{"speaker":"Average Joe Finances","startTime":580.973,"endTime":581.153,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":581.153,"endTime":583.905,"body":"So speaking of that, let's talk"},{"speaker":"Average Joe Finances","startTime":581.153,"endTime":583.905,"body":"about some things you can do"},{"speaker":"Average Joe Finances","startTime":584.111,"endTime":585.521,"body":"with infinite banking, right?"},{"speaker":"Average Joe Finances","startTime":585.576,"endTime":590.076,"body":"First of all, to get to the point where"},{"speaker":"Average Joe Finances","startTime":585.576,"endTime":590.076,"body":"you can actually start investing the"},{"speaker":"Average Joe Finances","startTime":590.081,"endTime":593.886,"body":"money, like borrowing from your policy,"},{"speaker":"Average Joe Finances","startTime":590.081,"endTime":593.886,"body":"what does it look like to get there?"},{"speaker":"Average Joe Finances","startTime":593.886,"endTime":596.534,"body":"Do you have to supercharge your"},{"speaker":"Average Joe Finances","startTime":593.886,"endTime":596.534,"body":"account your life insurance policy?"},{"speaker":"Drew White","startTime":596.684,"endTime":596.924,"body":"Yeah."},{"speaker":"Drew White","startTime":596.954,"endTime":600.612,"body":"Some people will call it like overfunded"},{"speaker":"Drew White","startTime":596.954,"endTime":600.612,"body":"life insurance, which is a generalized,"},{"speaker":"Drew White","startTime":600.642,"endTime":603.072,"body":"that's not my favorite term, but it's"},{"speaker":"Drew White","startTime":600.642,"endTime":603.072,"body":"a good way to describe it because"},{"speaker":"Drew White","startTime":603.072,"endTime":607.623,"body":"you, you can basically, you're gonna,"},{"speaker":"Drew White","startTime":603.072,"endTime":607.623,"body":"like a traditional whole life guys,"},{"speaker":"Drew White","startTime":607.623,"endTime":611.408,"body":"if he sat down with you, honestly,"},{"speaker":"Drew White","startTime":607.623,"endTime":611.408,"body":"That's the kind that Dave Ramsey's"},{"speaker":"Drew White","startTime":611.408,"endTime":612.788,"body":"talking about, it's kind of junk."},{"speaker":"Drew White","startTime":613.058,"endTime":615.278,"body":"You're not gonna have"},{"speaker":"Drew White","startTime":613.058,"endTime":615.278,"body":"cash value right away."},{"speaker":"Drew White","startTime":615.278,"endTime":618.578,"body":"What you wanna do is have someone that"},{"speaker":"Drew White","startTime":615.278,"endTime":618.578,"body":"knows how to design it, and you're"},{"speaker":"Drew White","startTime":618.578,"endTime":622.628,"body":"gonna, basically, you are gonna basically"},{"speaker":"Drew White","startTime":618.578,"endTime":622.628,"body":"put extra into it for about four years"},{"speaker":"Drew White","startTime":622.628,"endTime":624.638,"body":"to really pump that cash value up."},{"speaker":"Drew White","startTime":624.718,"endTime":626.978,"body":"However, you can use it like right away."},{"speaker":"Drew White","startTime":626.978,"endTime":630.248,"body":"So people will always ask me like how"},{"speaker":"Drew White","startTime":626.978,"endTime":630.248,"body":"quickly  can I take a loan from the"},{"speaker":"Drew White","startTime":630.248,"endTime":631.868,"body":"insurance company and use this money."},{"speaker":"Drew White","startTime":632.168,"endTime":635.134,"body":"And, I always tell them, as soon as that"},{"speaker":"Drew White","startTime":632.168,"endTime":635.134,"body":"first check clears and different states"},{"speaker":"Drew White","startTime":635.134,"endTime":638.947,"body":"have different money laundering laws, or"},{"speaker":"Drew White","startTime":635.134,"endTime":638.947,"body":"whatever our anti-money laundering laws."},{"speaker":"Drew White","startTime":638.947,"endTime":641.735,"body":"But, typically we say three"},{"speaker":"Drew White","startTime":638.947,"endTime":641.735,"body":"weeks then after that it's highly"},{"speaker":"Drew White","startTime":641.735,"endTime":642.755,"body":"liquid the rest of the year."},{"speaker":"Drew White","startTime":642.811,"endTime":644.401,"body":"I had a day where I took a loan."},{"speaker":"Drew White","startTime":644.611,"endTime":646.651,"body":"I told them in the morning"},{"speaker":"Drew White","startTime":644.611,"endTime":646.651,"body":"I wanted the money and they"},{"speaker":"Drew White","startTime":646.651,"endTime":647.911,"body":"had it to me by the evening."},{"speaker":"Drew White","startTime":647.911,"endTime":650.445,"body":"And so it's very liquid, which,"},{"speaker":"Drew White","startTime":647.911,"endTime":650.445,"body":"again, a lot of real estate and"},{"speaker":"Drew White","startTime":650.445,"endTime":653.496,"body":"business owners love it because you"},{"speaker":"Drew White","startTime":650.445,"endTime":653.496,"body":"can use it for those transactions"},{"speaker":"Drew White","startTime":653.496,"endTime":654.837,"body":"when you need that money, quickly."},{"speaker":"Drew White","startTime":654.837,"endTime":658.146,"body":"But so to answer your question, you"},{"speaker":"Drew White","startTime":654.837,"endTime":658.146,"body":"wanna fund it extra about the first"},{"speaker":"Drew White","startTime":658.146,"endTime":659.466,"body":"four years, build that cash up."},{"speaker":"Drew White","startTime":659.466,"endTime":662.199,"body":"And then it reaches a point that"},{"speaker":"Drew White","startTime":659.466,"endTime":662.199,"body":"we call efficiency, where, you're"},{"speaker":"Drew White","startTime":662.199,"endTime":666.439,"body":"basically putting in $1 and you're able"},{"speaker":"Drew White","startTime":662.199,"endTime":666.439,"body":"to actually take out maybe a dollar."},{"speaker":"Drew White","startTime":666.589,"endTime":668.977,"body":"10 per dollar and it gets"},{"speaker":"Drew White","startTime":666.589,"endTime":668.977,"body":"better from there every year."},{"speaker":"Average Joe Finances","startTime":669.127,"endTime":669.577,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":669.582,"endTime":673.447,"body":"So when you're actually borrowing the"},{"speaker":"Average Joe Finances","startTime":669.582,"endTime":673.447,"body":"money from the policy, are you borrowing"},{"speaker":"Average Joe Finances","startTime":673.447,"endTime":677.077,"body":"it from your cash value or are you"},{"speaker":"Average Joe Finances","startTime":673.447,"endTime":677.077,"body":"borrowing it from the death benefit?"},{"speaker":"Drew White","startTime":677.377,"endTime":678.037,"body":"Cash value."},{"speaker":"Drew White","startTime":678.097,"endTime":678.727,"body":"Great question."},{"speaker":"Drew White","startTime":678.737,"endTime":682.307,"body":"One time my mistake, I taught a guy and"},{"speaker":"Drew White","startTime":678.737,"endTime":682.307,"body":"I thought he gets it all and he goes,"},{"speaker":"Drew White","startTime":682.307,"endTime":686.147,"body":"and he gets to the final step and he"},{"speaker":"Drew White","startTime":682.307,"endTime":686.147,"body":"thinks that he's got millions of dollars."},{"speaker":"Drew White","startTime":686.147,"endTime":688.337,"body":"So it'll take from his death benefit."},{"speaker":"Drew White","startTime":688.337,"endTime":690.527,"body":"And I was like, oh no,"},{"speaker":"Drew White","startTime":688.337,"endTime":690.527,"body":"I did not teach you."},{"speaker":"Drew White","startTime":690.532,"endTime":693.408,"body":"And so we had to go back, to"},{"speaker":"Drew White","startTime":690.532,"endTime":693.408,"body":"square one there to step one."},{"speaker":"Drew White","startTime":693.43,"endTime":696.7,"body":"But yeah, so it's the cash value"},{"speaker":"Drew White","startTime":693.43,"endTime":696.7,"body":"that you have put into your policy"},{"speaker":"Drew White","startTime":696.97,"endTime":699.059,"body":"what's happening is when you"},{"speaker":"Drew White","startTime":696.97,"endTime":699.059,"body":"use that money, they're actually"},{"speaker":"Drew White","startTime":699.059,"endTime":700.859,"body":"putting a lean on your cash value."},{"speaker":"Drew White","startTime":700.869,"endTime":702.939,"body":"And so that's, but yeah,"},{"speaker":"Drew White","startTime":700.869,"endTime":702.939,"body":"so it is the cash value."},{"speaker":"Drew White","startTime":702.944,"endTime":706.239,"body":"Thank you for asking that question,"},{"speaker":"Drew White","startTime":702.944,"endTime":706.239,"body":"cuz it's needs to be clarified"},{"speaker":"Average Joe Finances","startTime":706.416,"endTime":707.406,"body":"Yeah, no, absolutely."},{"speaker":"Average Joe Finances","startTime":707.408,"endTime":707.738,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":707.948,"endTime":711.096,"body":"Now how would a real estate"},{"speaker":"Average Joe Finances","startTime":707.948,"endTime":711.096,"body":"investor or a business owner, how"},{"speaker":"Average Joe Finances","startTime":711.096,"endTime":715.194,"body":"would they use this to, I guess"},{"speaker":"Average Joe Finances","startTime":711.096,"endTime":715.194,"body":"scale or increase their business?"},{"speaker":"Average Joe Finances","startTime":715.344,"endTime":717.264,"body":"Why not just go take out"},{"speaker":"Average Joe Finances","startTime":715.344,"endTime":717.264,"body":"a loan from the bank?"},{"speaker":"Average Joe Finances","startTime":717.264,"endTime":719.15,"body":"What is the point of"},{"speaker":"Average Joe Finances","startTime":717.264,"endTime":719.15,"body":"borrowing it from yourself?"},{"speaker":"Average Joe Finances","startTime":719.155,"endTime":720.02,"body":"What's the benefit?"},{"speaker":"Drew White","startTime":720.2,"endTime":720.65,"body":"Yeah."},{"speaker":"Drew White","startTime":720.95,"endTime":721.52,"body":"Great question."},{"speaker":"Drew White","startTime":721.52,"endTime":723.53,"body":"So there's multiple ways to do it, right?"},{"speaker":"Drew White","startTime":723.53,"endTime":726.898,"body":"So I and it's tough to even cover"},{"speaker":"Drew White","startTime":723.53,"endTime":726.898,"body":"them all because I work with, myriad"},{"speaker":"Drew White","startTime":726.898,"endTime":727.978,"body":"of people who do different things."},{"speaker":"Drew White","startTime":727.978,"endTime":731.439,"body":"But so I have, I have a guy who"},{"speaker":"Drew White","startTime":727.978,"endTime":731.439,"body":"does he's a land investor, so he"},{"speaker":"Drew White","startTime":731.439,"endTime":733.074,"body":"doesn't typically work with banks."},{"speaker":"Drew White","startTime":733.074,"endTime":736.576,"body":"He doesn't need a ton of money for those"},{"speaker":"Drew White","startTime":733.074,"endTime":736.576,"body":"deals, needs some thousands of dollars."},{"speaker":"Drew White","startTime":736.602,"endTime":741.192,"body":"So for him, It's much quicker and"},{"speaker":"Drew White","startTime":736.602,"endTime":741.192,"body":"easier for him to basically give his"},{"speaker":"Drew White","startTime":741.282,"endTime":744.582,"body":"business a hard money loan and he"},{"speaker":"Drew White","startTime":741.282,"endTime":744.582,"body":"can have access to that money within"},{"speaker":"Drew White","startTime":744.582,"endTime":746.202,"body":"one to three days for his deals."},{"speaker":"Drew White","startTime":746.472,"endTime":750.081,"body":"Now I have other people who are, doing"},{"speaker":"Drew White","startTime":746.472,"endTime":750.081,"body":"larger real estate, maybe multi-family."},{"speaker":"Drew White","startTime":750.381,"endTime":754.273,"body":"And they still will use bank money and"},{"speaker":"Drew White","startTime":750.381,"endTime":754.273,"body":"nothing against banks, because even"},{"speaker":"Drew White","startTime":754.273,"endTime":756.613,"body":"though interest rates are going up,"},{"speaker":"Drew White","startTime":754.273,"endTime":756.613,"body":"they're still, it's still pretty cheap."},{"speaker":"Drew White","startTime":756.711,"endTime":759.681,"body":"Another way to do it is you can"},{"speaker":"Drew White","startTime":756.711,"endTime":759.681,"body":"leverage that money in that policy"},{"speaker":"Drew White","startTime":759.681,"endTime":762.838,"body":"as a down payment on whatever you're"},{"speaker":"Drew White","startTime":759.681,"endTime":762.838,"body":"gonna do, or there's people who"},{"speaker":"Drew White","startTime":762.838,"endTime":764.488,"body":"use it to invest in syndications."},{"speaker":"Drew White","startTime":764.541,"endTime":767.699,"body":"On the real estate side, we've actually"},{"speaker":"Drew White","startTime":764.541,"endTime":767.699,"body":"do preach, use it for the down payment"},{"speaker":"Drew White","startTime":767.699,"endTime":770.736,"body":"right now, while interest rates are"},{"speaker":"Drew White","startTime":767.699,"endTime":770.736,"body":"still low, and go out and yeah, buy"},{"speaker":"Drew White","startTime":770.736,"endTime":772.386,"body":"a multi-family deal or whatever."},{"speaker":"Drew White","startTime":772.66,"endTime":772.78,"body":"And."},{"speaker":"Drew White","startTime":772.974,"endTime":776.525,"body":"Put that money back into the system and"},{"speaker":"Drew White","startTime":772.974,"endTime":776.525,"body":"keep, keep it cycling it, because right"},{"speaker":"Drew White","startTime":776.525,"endTime":780.905,"body":"now, like you don't want money stagnant"},{"speaker":"Drew White","startTime":776.525,"endTime":780.905,"body":"in this hyperinflationary environment."},{"speaker":"Drew White","startTime":780.935,"endTime":782.795,"body":"And then the last thing I'll"},{"speaker":"Drew White","startTime":780.935,"endTime":782.795,"body":"say, you asked about business"},{"speaker":"Drew White","startTime":782.795,"endTime":784.254,"body":"owners for business owners."},{"speaker":"Drew White","startTime":784.254,"endTime":784.914,"body":"It's the same thing."},{"speaker":"Drew White","startTime":784.914,"endTime":787.115,"body":"They can go and use it if they're"},{"speaker":"Drew White","startTime":784.914,"endTime":787.115,"body":"gonna, if they have a business"},{"speaker":"Drew White","startTime":787.115,"endTime":790.415,"body":"that they have to own land or a"},{"speaker":"Drew White","startTime":787.115,"endTime":790.415,"body":"building, you can do the down payment."},{"speaker":"Drew White","startTime":790.625,"endTime":793.378,"body":"But I also have business owners,"},{"speaker":"Drew White","startTime":790.625,"endTime":793.378,"body":"like I have a guy who's has"},{"speaker":"Drew White","startTime":793.378,"endTime":794.578,"body":"a coffee roasting business."},{"speaker":"Drew White","startTime":794.578,"endTime":797.878,"body":"And so his roaster was gonna"},{"speaker":"Drew White","startTime":794.578,"endTime":797.878,"body":"cost him 30,000 that he was gonna"},{"speaker":"Drew White","startTime":797.878,"endTime":799.288,"body":"get a loan from the bank for."},{"speaker":"Drew White","startTime":799.588,"endTime":803.299,"body":"So instead of doing that, He took"},{"speaker":"Drew White","startTime":799.588,"endTime":803.299,"body":"30,000 from his policy and he"},{"speaker":"Drew White","startTime":803.299,"endTime":806.759,"body":"recaptured the interest that he was"},{"speaker":"Drew White","startTime":803.299,"endTime":806.759,"body":"gonna pay to a bank  to himself now."},{"speaker":"Drew White","startTime":806.759,"endTime":809.309,"body":"And he just repaid himself, set"},{"speaker":"Drew White","startTime":806.759,"endTime":809.309,"body":"up the terms of the loan that way."},{"speaker":"Drew White","startTime":809.459,"endTime":810.509,"body":"So those are just a few ways."},{"speaker":"Drew White","startTime":810.509,"endTime":812.549,"body":"One of the things I love"},{"speaker":"Drew White","startTime":810.509,"endTime":812.549,"body":"about it is pretty much"},{"speaker":"Drew White","startTime":812.549,"endTime":813.959,"body":"everybody's situation is unique."},{"speaker":"Drew White","startTime":813.959,"endTime":817.019,"body":"There's no one size fits all and"},{"speaker":"Drew White","startTime":813.959,"endTime":817.019,"body":"really your creativity and like"},{"speaker":"Drew White","startTime":817.019,"endTime":819.069,"body":"imagination is the limit on this."},{"speaker":"Average Joe Finances","startTime":819.369,"endTime":820.03,"body":"No, that's great."},{"speaker":"Average Joe Finances","startTime":820.03,"endTime":821.938,"body":"So when you're borrowing money, right?"},{"speaker":"Average Joe Finances","startTime":821.938,"endTime":824.968,"body":"So you're borrowing this money"},{"speaker":"Average Joe Finances","startTime":821.938,"endTime":824.968,"body":"from the cash value of your policy."},{"speaker":"Average Joe Finances","startTime":825.043,"endTime":826.333,"body":"I can see the benefit there, right?"},{"speaker":"Average Joe Finances","startTime":826.333,"endTime":829.023,"body":"Cuz now you're not paying this interest"},{"speaker":"Average Joe Finances","startTime":826.333,"endTime":829.023,"body":"to the bank when you're paying the"},{"speaker":"Average Joe Finances","startTime":829.023,"endTime":831.363,"body":"interest, it's going back to you, right?"},{"speaker":"Average Joe Finances","startTime":831.363,"endTime":834.423,"body":"All that interest that you pay"},{"speaker":"Average Joe Finances","startTime":831.363,"endTime":834.423,"body":"goes back to you and not to"},{"speaker":"Average Joe Finances","startTime":834.423,"endTime":835.443,"body":"the life insurance company."},{"speaker":"Average Joe Finances","startTime":835.443,"endTime":835.593,"body":"Right?"},{"speaker":"Drew White","startTime":835.893,"endTime":836.163,"body":"Yeah."},{"speaker":"Drew White","startTime":836.193,"endTime":836.433,"body":"Yep."},{"speaker":"Drew White","startTime":836.593,"endTime":837.539,"body":"And I don't wanna leave people straight."},{"speaker":"Drew White","startTime":837.539,"endTime":840.942,"body":"So it is right now it's like"},{"speaker":"Drew White","startTime":837.539,"endTime":840.942,"body":"4% simple interest that will go"},{"speaker":"Drew White","startTime":840.942,"endTime":842.172,"body":"back to the insurance company."},{"speaker":"Drew White","startTime":842.172,"endTime":843.769,"body":"But I said simple interest."},{"speaker":"Drew White","startTime":843.785,"endTime":847.689,"body":"So it's not amortized, but then yeah,"},{"speaker":"Drew White","startTime":843.785,"endTime":847.689,"body":"what you do, the banking side of this"},{"speaker":"Drew White","startTime":847.689,"endTime":851.979,"body":"comes in where, take the hard money guy"},{"speaker":"Drew White","startTime":847.689,"endTime":851.979,"body":"I mentioned who's doing a land deal."},{"speaker":"Drew White","startTime":851.982,"endTime":854.022,"body":"So he can charge himself maybe 18%."},{"speaker":"Drew White","startTime":854.292,"endTime":854.682,"body":"So yeah."},{"speaker":"Drew White","startTime":854.682,"endTime":856.242,"body":"He's still making that difference."},{"speaker":"Drew White","startTime":856.242,"endTime":859.492,"body":"Whereas if he had used the hard money"},{"speaker":"Drew White","startTime":856.242,"endTime":859.492,"body":"lender, That hard money lender makes"},{"speaker":"Drew White","startTime":859.492,"endTime":862.21,"body":"all that money off him, and he only"},{"speaker":"Drew White","startTime":859.492,"endTime":862.21,"body":"gets what he made from the deal."},{"speaker":"Drew White","startTime":862.21,"endTime":862.499,"body":"And yeah."},{"speaker":"Drew White","startTime":862.499,"endTime":865.229,"body":"So now he's bringing both"},{"speaker":"Drew White","startTime":862.499,"endTime":865.229,"body":"those things in house and yeah."},{"speaker":"Drew White","startTime":865.229,"endTime":868.919,"body":"So it is 4% simple interest,  that you"},{"speaker":"Drew White","startTime":865.229,"endTime":868.919,"body":"pay the insurance company back for."},{"speaker":"Drew White","startTime":869.069,"endTime":872.129,"body":"I also mention it's an interest only"},{"speaker":"Drew White","startTime":869.069,"endTime":872.129,"body":"loan with the insurance company."},{"speaker":"Drew White","startTime":872.129,"endTime":873.024,"body":"You set the terms."},{"speaker":"Drew White","startTime":873.084,"endTime":876.084,"body":"All they care about at the end of the"},{"speaker":"Drew White","startTime":873.084,"endTime":876.084,"body":"year is if they got their simple interest"},{"speaker":"Drew White","startTime":876.084,"endTime":878.124,"body":"back, they don't care about anything else."},{"speaker":"Drew White","startTime":878.296,"endTime":880.906,"body":"And so that's, so at the end of the year,"},{"speaker":"Drew White","startTime":878.296,"endTime":880.906,"body":"it's really just as simple interest."},{"speaker":"Average Joe Finances","startTime":881.073,"endTime":881.253,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":881.253,"endTime":884.103,"body":"So as much as you're willing to pay"},{"speaker":"Average Joe Finances","startTime":881.253,"endTime":884.103,"body":"back to the principal balance that you"},{"speaker":"Average Joe Finances","startTime":884.103,"endTime":888.557,"body":"owe, that's it, the loan could take as"},{"speaker":"Average Joe Finances","startTime":884.103,"endTime":888.557,"body":"long or as little as you need, right?"},{"speaker":"Drew White","startTime":888.557,"endTime":889.337,"body":"Yep, exactly."},{"speaker":"Drew White","startTime":889.337,"endTime":889.577,"body":"Yeah."},{"speaker":"Drew White","startTime":889.577,"endTime":889.787,"body":"Yeah."},{"speaker":"Drew White","startTime":889.787,"endTime":891.537,"body":"And so we have some people who,"},{"speaker":"Drew White","startTime":889.787,"endTime":891.537,"body":"yeah, they're like, they need"},{"speaker":"Drew White","startTime":891.537,"endTime":893.067,"body":"a little room for a deal right."},{"speaker":"Drew White","startTime":893.067,"endTime":896.337,"body":"To work, so they may set their terms"},{"speaker":"Drew White","startTime":893.067,"endTime":896.337,"body":"up longer, but some people know, I"},{"speaker":"Drew White","startTime":896.337,"endTime":897.567,"body":"only need that loan for six months."},{"speaker":"Drew White","startTime":897.567,"endTime":901.246,"body":"So they set that up, and then I'm not"},{"speaker":"Drew White","startTime":897.567,"endTime":901.246,"body":"a CPA, but you can also, there's some"},{"speaker":"Drew White","startTime":901.246,"endTime":903.856,"body":"tax strategies they can use where"},{"speaker":"Drew White","startTime":901.246,"endTime":903.856,"body":"they deduct those interest payments"},{"speaker":"Drew White","startTime":903.856,"endTime":905.716,"body":"back that they're making too also."},{"speaker":"Average Joe Finances","startTime":905.924,"endTime":906.734,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":906.734,"endTime":911.666,"body":"Now, what about the as you're borrowing"},{"speaker":"Average Joe Finances","startTime":906.734,"endTime":911.666,"body":"from your cash that you have in your"},{"speaker":"Average Joe Finances","startTime":911.666,"endTime":916.796,"body":"policy already, does that take away"},{"speaker":"Average Joe Finances","startTime":911.666,"endTime":916.796,"body":"from the interest that your cash"},{"speaker":"Average Joe Finances","startTime":916.796,"endTime":918.656,"body":"that's in the policy is building?"},{"speaker":"Average Joe Finances","startTime":918.806,"endTime":921.844,"body":"Does the amount that you borrow, does"},{"speaker":"Average Joe Finances","startTime":918.806,"endTime":921.844,"body":"it make it so let's say you borrow,"},{"speaker":"Average Joe Finances","startTime":922.114,"endTime":925.267,"body":"let's say you have a hundred thousand"},{"speaker":"Average Joe Finances","startTime":922.114,"endTime":925.267,"body":"in there and you borrow, 40,000,"},{"speaker":"Average Joe Finances","startTime":925.312,"endTime":928.632,"body":"are you now only getting interest"},{"speaker":"Average Joe Finances","startTime":925.312,"endTime":928.632,"body":"on 60,000 or are you still getting"},{"speaker":"Average Joe Finances","startTime":928.632,"endTime":931.522,"body":"interest on the entire a hundred"},{"speaker":"Average Joe Finances","startTime":928.632,"endTime":931.522,"body":"thousand that you have in the policy?"},{"speaker":"Drew White","startTime":931.672,"endTime":931.882,"body":"Yeah."},{"speaker":"Drew White","startTime":931.882,"endTime":933.567,"body":"So another really great question."},{"speaker":"Drew White","startTime":933.617,"endTime":936.317,"body":"You still get that interest on the"},{"speaker":"Drew White","startTime":933.617,"endTime":936.317,"body":"hundred it's as if the hundred's"},{"speaker":"Drew White","startTime":936.317,"endTime":938.777,"body":"there, because what's happening"},{"speaker":"Drew White","startTime":936.317,"endTime":938.777,"body":"is there's a lean on it, right?"},{"speaker":"Drew White","startTime":939.077,"endTime":941.779,"body":"So your hundred is still"},{"speaker":"Drew White","startTime":939.077,"endTime":941.779,"body":"gonna grow at that, tax free,"},{"speaker":"Drew White","startTime":941.779,"endTime":944.039,"body":"guaranteed rate plus dividends."},{"speaker":"Drew White","startTime":944.232,"endTime":947.077,"body":"Which is one of the things that"},{"speaker":"Drew White","startTime":944.232,"endTime":947.077,"body":"makes, I think makes it so powerful."},{"speaker":"Drew White","startTime":947.227,"endTime":950.626,"body":"And it's also one of why we talk about,"},{"speaker":"Drew White","startTime":947.227,"endTime":950.626,"body":"we tell people if I'm showing you an"},{"speaker":"Drew White","startTime":950.626,"endTime":953.744,"body":"illustration and you're looking at these"},{"speaker":"Drew White","startTime":950.626,"endTime":953.744,"body":"numbers and it's We're like, but we're"},{"speaker":"Drew White","startTime":953.744,"endTime":955.394,"body":"saying this, these are the numbers."},{"speaker":"Drew White","startTime":955.394,"endTime":959.774,"body":"If you do nothing with this policy, but"},{"speaker":"Drew White","startTime":955.394,"endTime":959.774,"body":"you should do something with this policy."},{"speaker":"Drew White","startTime":959.774,"endTime":963.224,"body":"You should keep your money in motion"},{"speaker":"Drew White","startTime":959.774,"endTime":963.224,"body":"and go buy cash, selling assets,"},{"speaker":"Drew White","startTime":963.229,"endTime":966.325,"body":"or, like we talked about Bitcoin or"},{"speaker":"Drew White","startTime":963.229,"endTime":966.325,"body":"crypto or NFTs, whatever you're into."},{"speaker":"Drew White","startTime":966.325,"endTime":970.094,"body":"I'm not saying do those things, but"},{"speaker":"Drew White","startTime":966.325,"endTime":970.094,"body":"whatever you're into, because your"},{"speaker":"Drew White","startTime":970.094,"endTime":974.024,"body":"money is still gonna grow in that"},{"speaker":"Drew White","startTime":970.094,"endTime":974.024,"body":"account, whether you use it or not."},{"speaker":"Drew White","startTime":974.024,"endTime":975.224,"body":"So you might as well put it to use."},{"speaker":"Drew White","startTime":975.224,"endTime":978.374,"body":"And then as I mentioned earlier,"},{"speaker":"Drew White","startTime":975.224,"endTime":978.374,"body":"Inflation right now is bananas."},{"speaker":"Drew White","startTime":978.374,"endTime":981.124,"body":"So you, you're losing, if that"},{"speaker":"Drew White","startTime":978.374,"endTime":981.124,"body":"money's just sitting in that"},{"speaker":"Drew White","startTime":981.124,"endTime":982.904,"body":"account, stagnating doing nothing."},{"speaker":"Drew White","startTime":982.904,"endTime":984.752,"body":"And so to, answer your original question."},{"speaker":"Drew White","startTime":984.752,"endTime":985.112,"body":"Yeah."},{"speaker":"Drew White","startTime":985.112,"endTime":988.602,"body":"A hundred thousand is still gonna be"},{"speaker":"Drew White","startTime":985.112,"endTime":988.602,"body":"growing uninterrupted, which is what makes"},{"speaker":"Drew White","startTime":988.607,"endTime":992.772,"body":"this system, I think pretty special and"},{"speaker":"Drew White","startTime":988.607,"endTime":992.772,"body":"unique because you get the growth in the"},{"speaker":"Drew White","startTime":992.772,"endTime":996.012,"body":"system and then you get the, your growth"},{"speaker":"Drew White","startTime":992.772,"endTime":996.012,"body":"on your behavior outside the system."},{"speaker":"Average Joe Finances","startTime":996.312,"endTime":996.462,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":996.462,"endTime":996.912,"body":"It's great."},{"speaker":"Average Joe Finances","startTime":996.981,"endTime":998.481,"body":"You get to double dip, right?"},{"speaker":"Average Joe Finances","startTime":998.521,"endTime":1001.897,"body":"So you're borrowing from something"},{"speaker":"Average Joe Finances","startTime":998.521,"endTime":1001.897,"body":"that getting your interest that"},{"speaker":"Average Joe Finances","startTime":1001.897,"endTime":1003.157,"body":"you're getting on it back already."},{"speaker":"Average Joe Finances","startTime":1003.157,"endTime":1006.007,"body":"Plus the dividends that you're still"},{"speaker":"Average Joe Finances","startTime":1003.157,"endTime":1006.007,"body":"getting on the a hundred thousand."},{"speaker":"Average Joe Finances","startTime":1006.307,"endTime":1009.162,"body":"right on top of that, you're taking"},{"speaker":"Average Joe Finances","startTime":1006.307,"endTime":1009.162,"body":"the money that you borrowed and"},{"speaker":"Average Joe Finances","startTime":1009.162,"endTime":1011.292,"body":"investing it in a cash flowing asset."},{"speaker":"Average Joe Finances","startTime":1011.492,"endTime":1013.642,"body":"So it, yeah, you're essentially,"},{"speaker":"Average Joe Finances","startTime":1011.492,"endTime":1013.642,"body":"you're just, you're double dipping."},{"speaker":"Average Joe Finances","startTime":1013.642,"endTime":1014.76,"body":"That's really awesome."},{"speaker":"Average Joe Finances","startTime":1014.96,"endTime":1015.05,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1015.1,"endTime":1015.46,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1015.55,"endTime":1016.06,"body":"I love that."},{"speaker":"Drew White","startTime":1016.065,"endTime":1018.373,"body":"That partner really got me"},{"speaker":"Drew White","startTime":1016.065,"endTime":1018.373,"body":"it took me a little bit, cuz I was like,"},{"speaker":"Drew White","startTime":1018.373,"endTime":1020.113,"body":"that sounds just too good to be true."},{"speaker":"Drew White","startTime":1020.118,"endTime":1023.416,"body":"And we've all been taught either or"},{"speaker":"Drew White","startTime":1020.118,"endTime":1023.416,"body":"with money, you either get the growth"},{"speaker":"Drew White","startTime":1023.416,"endTime":1025.216,"body":"here or here, but you can't do both."},{"speaker":"Drew White","startTime":1025.216,"endTime":1028.456,"body":"And that's what I think separates it"},{"speaker":"Drew White","startTime":1025.216,"endTime":1028.456,"body":"a little bit in my mind from other."},{"speaker":"Average Joe Finances","startTime":1028.673,"endTime":1029.003,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1029.003,"endTime":1029.753,"body":"Yeah, right on."},{"speaker":"Average Joe Finances","startTime":1029.993,"endTime":1034.198,"body":"Now, so speaking of that, since you're"},{"speaker":"Average Joe Finances","startTime":1029.993,"endTime":1034.198,"body":"talking about it seems too good to be true"},{"speaker":"Average Joe Finances","startTime":1034.198,"endTime":1038.169,"body":"and everything like that, what are some"},{"speaker":"Average Joe Finances","startTime":1034.198,"endTime":1038.169,"body":"common misconceptions that you find or"},{"speaker":"Average Joe Finances","startTime":1038.263,"endTime":1042.413,"body":"that people ask you about when it comes"},{"speaker":"Average Joe Finances","startTime":1038.263,"endTime":1042.413,"body":"to having a whole life insurance policy?"},{"speaker":"Drew White","startTime":1042.563,"endTime":1043.493,"body":"Oh, man, that's a good one."},{"speaker":"Drew White","startTime":1043.493,"endTime":1044.813,"body":"Common misconceptions."},{"speaker":"Drew White","startTime":1044.963,"endTime":1047.607,"body":"I'll say a common misconception"},{"speaker":"Drew White","startTime":1044.963,"endTime":1047.607,"body":"that maybe, and I can probably get"},{"speaker":"Drew White","startTime":1047.607,"endTime":1050.871,"body":"another one for you that relates"},{"speaker":"Drew White","startTime":1047.607,"endTime":1050.871,"body":"to term, but I often hear the thing"},{"speaker":"Drew White","startTime":1050.876,"endTime":1054.303,"body":"that people tell me is why wouldn't"},{"speaker":"Drew White","startTime":1050.876,"endTime":1054.303,"body":"I just buy term and invest the rest?"},{"speaker":"Drew White","startTime":1054.327,"endTime":1056.691,"body":"That's a common phrase that is out there."},{"speaker":"Drew White","startTime":1056.931,"endTime":1060.769,"body":"And I I used to say that phrase myself,"},{"speaker":"Drew White","startTime":1056.931,"endTime":1060.769,"body":"but the thing that I found is most"},{"speaker":"Drew White","startTime":1060.769,"endTime":1062.479,"body":"people don't invest the difference."},{"speaker":"Drew White","startTime":1062.479,"endTime":1065.462,"body":"They buy term, and then, they"},{"speaker":"Drew White","startTime":1062.479,"endTime":1065.462,"body":"don't invest that difference."},{"speaker":"Drew White","startTime":1065.672,"endTime":1070.203,"body":"Other people, the other real, I would"},{"speaker":"Drew White","startTime":1065.672,"endTime":1070.203,"body":"say big misconception too, is people"},{"speaker":"Drew White","startTime":1070.203,"endTime":1071.763,"body":"look at it as this is an investment."},{"speaker":"Drew White","startTime":1071.763,"endTime":1074.279,"body":"So I've had a young guy just recently"},{"speaker":"Drew White","startTime":1071.763,"endTime":1074.279,"body":"say to me why would I do this when"},{"speaker":"Drew White","startTime":1074.279,"endTime":1075.749,"body":"I could 10 X my money elsewhere?"},{"speaker":"Drew White","startTime":1075.749,"endTime":1077.801,"body":"And I said, you're thinking"},{"speaker":"Drew White","startTime":1075.749,"endTime":1077.801,"body":"in either ORs again."},{"speaker":"Drew White","startTime":1077.801,"endTime":1078.941,"body":"So you're thinking you either do."},{"speaker":"Drew White","startTime":1079.241,"endTime":1082.061,"body":"Or you go 10 exit, but what I'm"},{"speaker":"Drew White","startTime":1079.241,"endTime":1082.061,"body":"telling you is actually put your money"},{"speaker":"Drew White","startTime":1082.061,"endTime":1086.362,"body":"here first and then yeah, absolutely"},{"speaker":"Drew White","startTime":1082.061,"endTime":1086.362,"body":"go 10 exit elsewhere, on your own."},{"speaker":"Drew White","startTime":1086.362,"endTime":1089.632,"body":"And so a lot of people think sometimes"},{"speaker":"Drew White","startTime":1086.362,"endTime":1089.632,"body":"they start to look at this as an"},{"speaker":"Drew White","startTime":1089.632,"endTime":1091.942,"body":"investment and they're looking"},{"speaker":"Drew White","startTime":1089.632,"endTime":1091.942,"body":"at the returns over time, which"},{"speaker":"Drew White","startTime":1091.947,"endTime":1095.522,"body":"actually, if you can think long term,"},{"speaker":"Drew White","startTime":1091.947,"endTime":1095.522,"body":"actually they are still pretty good."},{"speaker":"Drew White","startTime":1095.672,"endTime":1098.766,"body":"But the point, is not to put"},{"speaker":"Drew White","startTime":1095.672,"endTime":1098.766,"body":"this in an investment vehicle"},{"speaker":"Drew White","startTime":1098.766,"endTime":1099.846,"body":"and just leave it there."},{"speaker":"Drew White","startTime":1099.896,"endTime":1103.601,"body":"Like a 401k that just, you never"},{"speaker":"Drew White","startTime":1099.896,"endTime":1103.601,"body":"touch, the point is to use it."},{"speaker":"Drew White","startTime":1103.606,"endTime":1106.17,"body":"And so I think that's probably one"},{"speaker":"Drew White","startTime":1103.606,"endTime":1106.17,"body":"of the biggest things that I get is"},{"speaker":"Drew White","startTime":1106.17,"endTime":1109.53,"body":"that people come thinking like, oh,"},{"speaker":"Drew White","startTime":1106.17,"endTime":1109.53,"body":"this is an investment vehicle as well."},{"speaker":"Drew White","startTime":1109.53,"endTime":1110.67,"body":"And it can be an emergency fund."},{"speaker":"Drew White","startTime":1110.675,"endTime":1112.842,"body":"Don't get me wrong, but it's"},{"speaker":"Drew White","startTime":1110.675,"endTime":1112.842,"body":"also, something you can use"},{"speaker":"Drew White","startTime":1112.842,"endTime":1113.952,"body":"to invest in other vehicles."},{"speaker":"Average Joe Finances","startTime":1114.111,"endTime":1114.951,"body":"That's fantastic."},{"speaker":"Average Joe Finances","startTime":1115.191,"endTime":1119.575,"body":"And so speaking of, using this,"},{"speaker":"Average Joe Finances","startTime":1115.191,"endTime":1119.575,"body":"you said emergency fund too, right?"},{"speaker":"Average Joe Finances","startTime":1119.575,"endTime":1123.054,"body":"But if you're talking about just"},{"speaker":"Average Joe Finances","startTime":1119.575,"endTime":1123.054,"body":"life insurance policies in general,"},{"speaker":"Average Joe Finances","startTime":1123.092,"endTime":1124.844,"body":"you mentioned, term life insurance."},{"speaker":"Average Joe Finances","startTime":1124.868,"endTime":1127.93,"body":"So I, everybody knows term life"},{"speaker":"Average Joe Finances","startTime":1124.868,"endTime":1127.93,"body":"insurance is basically just,"},{"speaker":"Average Joe Finances","startTime":1127.93,"endTime":1131.04,"body":"you pay a small premium, and"},{"speaker":"Average Joe Finances","startTime":1127.93,"endTime":1131.04,"body":"you just have the death benefit."},{"speaker":"Average Joe Finances","startTime":1131.114,"endTime":1133.419,"body":"The death benefit, there's no"},{"speaker":"Average Joe Finances","startTime":1131.114,"endTime":1133.419,"body":"cash value or anything like that."},{"speaker":"Average Joe Finances","startTime":1133.569,"endTime":1136.659,"body":"But what about other permanent"},{"speaker":"Average Joe Finances","startTime":1133.569,"endTime":1136.659,"body":"life insurance policies?"},{"speaker":"Average Joe Finances","startTime":1136.659,"endTime":1141.925,"body":"Like what makes a whole life insurance"},{"speaker":"Average Joe Finances","startTime":1136.659,"endTime":1141.925,"body":"policy stand out for maybe a variable?"},{"speaker":"Average Joe Finances","startTime":1142.205,"endTime":1142.565,"body":"What is it?"},{"speaker":"Average Joe Finances","startTime":1142.565,"endTime":1144.185,"body":"What's it called a variable interest?"},{"speaker":"Drew White","startTime":1144.185,"endTime":1145.159,"body":"Variable universal."},{"speaker":"Average Joe Finances","startTime":1145.309,"endTime":1145.489,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1145.489,"endTime":1146.509,"body":"Variable universal."},{"speaker":"Average Joe Finances","startTime":1146.559,"endTime":1147.469,"body":"What's like the difference?"},{"speaker":"Drew White","startTime":1147.619,"endTime":1147.889,"body":"Yeah."},{"speaker":"Drew White","startTime":1147.889,"endTime":1149.755,"body":"So I don't, me personally,"},{"speaker":"Drew White","startTime":1147.889,"endTime":1149.755,"body":"just full disclosure."},{"speaker":"Drew White","startTime":1149.76,"endTime":1152.984,"body":"So I'm called what's like a"},{"speaker":"Drew White","startTime":1149.76,"endTime":1152.984,"body":"IBC certified practitioner, so"},{"speaker":"Drew White","startTime":1152.984,"endTime":1154.514,"body":"we're very like, just whole."},{"speaker":"Drew White","startTime":1154.814,"endTime":1156.134,"body":"Centric whole life centered."},{"speaker":"Drew White","startTime":1156.284,"endTime":1158.984,"body":"For a lot of things we talked about"},{"speaker":"Drew White","startTime":1156.284,"endTime":1158.984,"body":"where, whole life specifically gets"},{"speaker":"Drew White","startTime":1158.984,"endTime":1161.174,"body":"you, this tax free, guaranteed growth."},{"speaker":"Drew White","startTime":1161.324,"endTime":1164.984,"body":"You get that uninterrupted compounding you"},{"speaker":"Drew White","startTime":1161.324,"endTime":1164.984,"body":"get use and control of it, very liquid."},{"speaker":"Drew White","startTime":1165.134,"endTime":1167.553,"body":"So that's more like my"},{"speaker":"Drew White","startTime":1165.134,"endTime":1167.553,"body":"niche, like what I focus on."},{"speaker":"Drew White","startTime":1167.617,"endTime":1171.487,"body":"So I'm not as well versed in some"},{"speaker":"Drew White","startTime":1167.617,"endTime":1171.487,"body":"of those other universal variable."},{"speaker":"Drew White","startTime":1171.517,"endTime":1174.727,"body":"So I don't personally teach it"},{"speaker":"Drew White","startTime":1171.517,"endTime":1174.727,"body":"or sell it or anything like that."},{"speaker":"Drew White","startTime":1174.752,"endTime":1177.48,"body":"I know other people who are great experts"},{"speaker":"Drew White","startTime":1174.752,"endTime":1177.48,"body":"at it, and I think, you mentioned I,"},{"speaker":"Drew White","startTime":1177.6,"endTime":1180.73,"body":"some velocity banking, which I think"},{"speaker":"Drew White","startTime":1177.6,"endTime":1180.73,"body":"maybe uses some of those concepts and."},{"speaker":"Drew White","startTime":1180.73,"endTime":1184.008,"body":"That's not my specific thing, but"},{"speaker":"Drew White","startTime":1180.73,"endTime":1184.008,"body":"that's where, Nelson Nash, who I"},{"speaker":"Drew White","startTime":1184.008,"endTime":1187.714,"body":"mentioned earlier with the book, I'm"},{"speaker":"Drew White","startTime":1184.008,"endTime":1187.714,"body":"more of a Nelson Nash, I'd say purist."},{"speaker":"Drew White","startTime":1187.774,"endTime":1192.396,"body":"And so he was very whole life and"},{"speaker":"Drew White","startTime":1187.774,"endTime":1192.396,"body":"also the other thing I would say for"},{"speaker":"Drew White","startTime":1192.396,"endTime":1194.826,"body":"whole life, why I'm a big fan is it's"},{"speaker":"Drew White","startTime":1192.396,"endTime":1194.826,"body":"literally been around for hundreds"},{"speaker":"Drew White","startTime":1194.826,"endTime":1198.852,"body":"of years and never failed and never"},{"speaker":"Drew White","startTime":1194.826,"endTime":1198.852,"body":"had to be repackaged as an insurance"},{"speaker":"Drew White","startTime":1198.852,"endTime":1200.947,"body":"product, which some things have had to."},{"speaker":"Drew White","startTime":1200.947,"endTime":1202.747,"body":"And then said, oh, this is the new thing."},{"speaker":"Drew White","startTime":1202.752,"endTime":1205.117,"body":"And so whole life has just been one"},{"speaker":"Drew White","startTime":1202.752,"endTime":1205.117,"body":"of those things that's been steady"},{"speaker":"Drew White","startTime":1205.117,"endTime":1207.037,"body":"and consistent for hundreds of years."},{"speaker":"Drew White","startTime":1207.037,"endTime":1209.647,"body":"And so if I'm gonna put a large"},{"speaker":"Drew White","startTime":1207.037,"endTime":1209.647,"body":"amount of money into it, I want"},{"speaker":"Drew White","startTime":1209.647,"endTime":1211.327,"body":"to know what's gonna be safe long."},{"speaker":"Average Joe Finances","startTime":1211.627,"endTime":1211.897,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1211.897,"endTime":1213.099,"body":"No, I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1213.099,"endTime":1214.247,"body":"That's that's fantastic."},{"speaker":"Average Joe Finances","startTime":1214.247,"endTime":1217.297,"body":"Don't want to talk about things that"},{"speaker":"Average Joe Finances","startTime":1214.247,"endTime":1217.297,"body":"we  don't know too much about because"},{"speaker":"Average Joe Finances","startTime":1217.297,"endTime":1218.347,"body":"that's when people get in trouble."},{"speaker":"Average Joe Finances","startTime":1218.503,"endTime":1218.743,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1218.743,"endTime":1218.803,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1219.103,"endTime":1219.403,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1219.403,"endTime":1219.883,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":1219.913,"endTime":1220.123,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1220.123,"endTime":1223.705,"body":"Can you talk a little bit about then, so"},{"speaker":"Average Joe Finances","startTime":1220.123,"endTime":1223.705,"body":"if we're talking about the way that you"},{"speaker":"Average Joe Finances","startTime":1223.735,"endTime":1225.699,"body":"have this set up with infinite banking."},{"speaker":"Average Joe Finances","startTime":1225.699,"endTime":1228.549,"body":"And I know you, you had mentioned velocity"},{"speaker":"Average Joe Finances","startTime":1225.699,"endTime":1228.549,"body":"banking just now we, we had talked"},{"speaker":"Average Joe Finances","startTime":1228.549,"endTime":1231.523,"body":"about that pre-recording cause I was"},{"speaker":"Average Joe Finances","startTime":1228.549,"endTime":1231.523,"body":"talking to him about how I do that right"},{"speaker":"Average Joe Finances","startTime":1231.523,"endTime":1234.22,"body":"now with a HELOC so this is definitely"},{"speaker":"Average Joe Finances","startTime":1231.523,"endTime":1234.22,"body":"a little bit different than that."},{"speaker":"Average Joe Finances","startTime":1234.242,"endTime":1236.941,"body":"Not a little bit, it's a lot"},{"speaker":"Average Joe Finances","startTime":1234.242,"endTime":1236.941,"body":"different than velocity banking."},{"speaker":"Average Joe Finances","startTime":1236.941,"endTime":1239.621,"body":"But I wanna talk to you a little"},{"speaker":"Average Joe Finances","startTime":1236.941,"endTime":1239.621,"body":"bit about, legacy planning."},{"speaker":"Average Joe Finances","startTime":1239.621,"endTime":1241.301,"body":"So if you could just talk"},{"speaker":"Average Joe Finances","startTime":1239.621,"endTime":1241.301,"body":"about that a little bit and"},{"speaker":"Average Joe Finances","startTime":1241.372,"endTime":1242.752,"body":"how does this help with legacy."},{"speaker":"Drew White","startTime":1242.954,"endTime":1244.844,"body":"Yeah and that was, one"},{"speaker":"Drew White","startTime":1242.954,"endTime":1244.844,"body":"of the things, one of my, I keep"},{"speaker":"Drew White","startTime":1244.844,"endTime":1248.654,"body":"mentioning Nelson, but in the book he"},{"speaker":"Drew White","startTime":1244.844,"endTime":1248.654,"body":"has this last chapter that he really"},{"speaker":"Drew White","startTime":1248.654,"endTime":1250.783,"body":"does focus in on that, that I love."},{"speaker":"Drew White","startTime":1251.053,"endTime":1254.486,"body":"And I have this saying that I learned"},{"speaker":"Drew White","startTime":1251.053,"endTime":1254.486,"body":"from a guy named Jamal King, which is, a"},{"speaker":"Drew White","startTime":1254.491,"endTime":1257.216,"body":"great principle that it's not like he's"},{"speaker":"Drew White","startTime":1254.491,"endTime":1257.216,"body":"the one that invented this we've all heard"},{"speaker":"Drew White","startTime":1257.216,"endTime":1261.066,"body":"it, but that a blessed man leaves that"},{"speaker":"Drew White","startTime":1257.216,"endTime":1261.066,"body":"inheritance to his children's children."},{"speaker":"Drew White","startTime":1261.366,"endTime":1264.216,"body":"And so in that last chapter,"},{"speaker":"Drew White","startTime":1261.366,"endTime":1264.216,"body":"Nelson touches on that."},{"speaker":"Drew White","startTime":1264.486,"endTime":1267.558,"body":"And so there's things you can do,"},{"speaker":"Drew White","startTime":1264.486,"endTime":1267.558,"body":"obviously if you have a policy on"},{"speaker":"Drew White","startTime":1267.558,"endTime":1270.761,"body":"yourself or your spouse or whatever,"},{"speaker":"Drew White","startTime":1267.558,"endTime":1270.761,"body":"there's a death benefit attached to that."},{"speaker":"Drew White","startTime":1270.788,"endTime":1273.719,"body":"We don't focus on the insurance,"},{"speaker":"Drew White","startTime":1270.788,"endTime":1273.719,"body":"in fact we're opposite, right?"},{"speaker":"Drew White","startTime":1273.719,"endTime":1277.327,"body":"We're focusing on the cash value"},{"speaker":"Drew White","startTime":1273.719,"endTime":1277.327,"body":"and then the insurance, but"},{"speaker":"Drew White","startTime":1277.327,"endTime":1278.377,"body":"there is an insurance side to it."},{"speaker":"Drew White","startTime":1278.377,"endTime":1281.892,"body":"Number one, you're gonna leave that,"},{"speaker":"Drew White","startTime":1278.377,"endTime":1281.892,"body":"death benefit, that's gonna  pass down"},{"speaker":"Drew White","startTime":1281.892,"endTime":1285.192,"body":"tax free to your next generation, but"},{"speaker":"Drew White","startTime":1281.892,"endTime":1285.192,"body":"then there's some other things that"},{"speaker":"Drew White","startTime":1285.192,"endTime":1288.822,"body":"you can do that are interesting, where"},{"speaker":"Drew White","startTime":1285.192,"endTime":1288.822,"body":"you can take out a policy on a child,"},{"speaker":"Drew White","startTime":1288.886,"endTime":1290.686,"body":"and you can do it on an adult child."},{"speaker":"Drew White","startTime":1290.896,"endTime":1293.956,"body":"You can take it on, also, not adult"},{"speaker":"Drew White","startTime":1290.896,"endTime":1293.956,"body":"children, but younger children."},{"speaker":"Drew White","startTime":1294.106,"endTime":1298.486,"body":"You can do a policy on grandchildren"},{"speaker":"Drew White","startTime":1294.106,"endTime":1298.486,"body":"as well and pass this down to them."},{"speaker":"Drew White","startTime":1298.756,"endTime":1301.095,"body":"And then, people like, so"},{"speaker":"Drew White","startTime":1298.756,"endTime":1301.095,"body":"Nelson, one of the things he"},{"speaker":"Drew White","startTime":1301.1,"endTime":1302.805,"body":"did, he had tons of grandkids."},{"speaker":"Drew White","startTime":1302.805,"endTime":1306.075,"body":"I don't remember how many, but"},{"speaker":"Drew White","startTime":1302.805,"endTime":1306.075,"body":"each grandkid had a policy."},{"speaker":"Drew White","startTime":1306.08,"endTime":1308.858,"body":"And when he passed,  he had"},{"speaker":"Drew White","startTime":1306.08,"endTime":1308.858,"body":"also gave them, their policy"},{"speaker":"Drew White","startTime":1308.858,"endTime":1310.788,"body":"and the book on how to use it."},{"speaker":"Drew White","startTime":1310.788,"endTime":1314.023,"body":"And one of the things I love about"},{"speaker":"Drew White","startTime":1310.788,"endTime":1314.023,"body":"that strategy is, like I don't"},{"speaker":"Drew White","startTime":1314.023,"endTime":1317.338,"body":"personally know where college"},{"speaker":"Drew White","startTime":1314.023,"endTime":1317.338,"body":"is gonna be, 20 years from now."},{"speaker":"Drew White","startTime":1317.338,"endTime":1320.338,"body":"So I'm not a huge fan of"},{"speaker":"Drew White","startTime":1317.338,"endTime":1320.338,"body":"those college savings plans."},{"speaker":"Drew White","startTime":1320.548,"endTime":1324.784,"body":"Whereas this, like I have a daughter she's"},{"speaker":"Drew White","startTime":1320.548,"endTime":1324.784,"body":"seven and she's already entrepreneurial."},{"speaker":"Drew White","startTime":1324.789,"endTime":1327.514,"body":"She's already come up with these little"},{"speaker":"Drew White","startTime":1324.789,"endTime":1327.514,"body":"businesses and made some side money."},{"speaker":"Drew White","startTime":1327.634,"endTime":1329.945,"body":"And so in my mind, I'm like I"},{"speaker":"Drew White","startTime":1327.634,"endTime":1329.945,"body":"don't wanna pigeonhole her and"},{"speaker":"Drew White","startTime":1329.945,"endTime":1330.995,"body":"say, you have to go to college."},{"speaker":"Drew White","startTime":1330.995,"endTime":1334.876,"body":"If she wants to start a business, so we're"},{"speaker":"Drew White","startTime":1330.995,"endTime":1334.876,"body":"opening the policies on our kids that"},{"speaker":"Drew White","startTime":1334.881,"endTime":1337.906,"body":"they can have control of, and that we're"},{"speaker":"Drew White","startTime":1334.881,"endTime":1337.906,"body":"gonna teach them over time, how to use."},{"speaker":"Drew White","startTime":1337.996,"endTime":1340.036,"body":"And I think also it's beneficial."},{"speaker":"Drew White","startTime":1340.244,"endTime":1343.33,"body":"It begins that conversation about"},{"speaker":"Drew White","startTime":1340.244,"endTime":1343.33,"body":"how to use this money how to"},{"speaker":"Drew White","startTime":1343.33,"endTime":1346.41,"body":"become your own bank, but also"},{"speaker":"Drew White","startTime":1343.33,"endTime":1346.41,"body":"leads to these larger discussions"},{"speaker":"Drew White","startTime":1346.41,"endTime":1348.0,"body":"about money and entrepreneurship."},{"speaker":"Drew White","startTime":1348.15,"endTime":1351.897,"body":"But so the way that you can, do it is you"},{"speaker":"Drew White","startTime":1348.15,"endTime":1351.897,"body":"can set up policies on kids and grandkids"},{"speaker":"Drew White","startTime":1351.902,"endTime":1353.877,"body":"and you can pass them down generationally."},{"speaker":"Drew White","startTime":1353.941,"endTime":1357.443,"body":"And then, you like, so say, and if I"},{"speaker":"Drew White","startTime":1353.941,"endTime":1357.443,"body":"pass and I have my kids have one, now"},{"speaker":"Drew White","startTime":1357.443,"endTime":1360.7,"body":"they have all this tax free money that's"},{"speaker":"Drew White","startTime":1357.443,"endTime":1360.7,"body":"gonna pass down that probably could"},{"speaker":"Drew White","startTime":1360.7,"endTime":1362.23,"body":"even fund their policies in the future."},{"speaker":"Drew White","startTime":1362.235,"endTime":1362.89,"body":"So there's really some."},{"speaker":"Drew White","startTime":1363.19,"endTime":1366.443,"body":"Legacy planning strategies, and I won't"},{"speaker":"Drew White","startTime":1363.19,"endTime":1366.443,"body":"get two into the weeds, but that you"},{"speaker":"Drew White","startTime":1366.443,"endTime":1368.153,"body":"can definitely do with this system."},{"speaker":"Drew White","startTime":1368.393,"endTime":1369.185,"body":"That's pretty cool."},{"speaker":"Average Joe Finances","startTime":1369.335,"endTime":1369.995,"body":"Yeah, that's great."},{"speaker":"Average Joe Finances","startTime":1370.0,"endTime":1373.833,"body":"You had talked about like super charging"},{"speaker":"Average Joe Finances","startTime":1370.0,"endTime":1373.833,"body":"a policy like over a four year period."},{"speaker":"Average Joe Finances","startTime":1373.833,"endTime":1378.332,"body":"Can you imagine doing it, from the time"},{"speaker":"Average Joe Finances","startTime":1373.833,"endTime":1378.332,"body":"that a child is seven years old, right?"},{"speaker":"Average Joe Finances","startTime":1378.422,"endTime":1379.742,"body":"You don't even have to supercharge it."},{"speaker":"Average Joe Finances","startTime":1379.742,"endTime":1383.191,"body":"You could just, put a little more"},{"speaker":"Average Joe Finances","startTime":1379.742,"endTime":1383.191,"body":"than the normal premium and just, and"},{"speaker":"Average Joe Finances","startTime":1383.191,"endTime":1385.231,"body":"start just increasing that cash value."},{"speaker":"Average Joe Finances","startTime":1385.258,"endTime":1385.951,"body":"That's really awesome."},{"speaker":"Average Joe Finances","startTime":1385.951,"endTime":1389.431,"body":"So definitely a great way to"},{"speaker":"Average Joe Finances","startTime":1385.951,"endTime":1389.431,"body":"build that generational wealth"},{"speaker":"Average Joe Finances","startTime":1389.457,"endTime":1392.897,"body":"for the next generation to leave"},{"speaker":"Average Joe Finances","startTime":1389.457,"endTime":1392.897,"body":"that legacy ah, I love it, man."},{"speaker":"Average Joe Finances","startTime":1393.167,"endTime":1393.347,"body":"Love it."},{"speaker":"Drew White","startTime":1393.347,"endTime":1393.557,"body":"Yeah."},{"speaker":"Drew White","startTime":1393.857,"endTime":1395.807,"body":"There's a lot of, there's some"},{"speaker":"Drew White","startTime":1393.857,"endTime":1395.807,"body":"interesting stuff out there too, that"},{"speaker":"Drew White","startTime":1395.812,"endTime":1398.977,"body":"if you ever look into Walt Disney,"},{"speaker":"Drew White","startTime":1395.812,"endTime":1398.977,"body":"he funded Disney from his whole"},{"speaker":"Drew White","startTime":1398.977,"endTime":1401.115,"body":"life policy that he had for years."},{"speaker":"Drew White","startTime":1401.115,"endTime":1402.435,"body":"So someone probably started for him."},{"speaker":"Drew White","startTime":1402.464,"endTime":1403.214,"body":"I don't know for sure."},{"speaker":"Drew White","startTime":1403.214,"endTime":1406.628,"body":"And then, the pampered chef as well,"},{"speaker":"Drew White","startTime":1403.214,"endTime":1406.628,"body":"did that's how she got her, I don't"},{"speaker":"Drew White","startTime":1406.628,"endTime":1409.482,"body":"know if anybody remembers pampered chef,"},{"speaker":"Drew White","startTime":1406.628,"endTime":1409.482,"body":"that's how she got it started as well."},{"speaker":"Drew White","startTime":1409.482,"endTime":1412.223,"body":"And then too, there's people like"},{"speaker":"Drew White","startTime":1409.482,"endTime":1412.223,"body":"Jim Harbaugh, his contract is"},{"speaker":"Drew White","startTime":1412.223,"endTime":1415.961,"body":"structured using a kind of a whole"},{"speaker":"Drew White","startTime":1412.223,"endTime":1415.961,"body":"life type banking structure as well."},{"speaker":"Average Joe Finances","startTime":1416.111,"endTime":1416.711,"body":"Yeah, that's great."},{"speaker":"Average Joe Finances","startTime":1416.715,"endTime":1419.208,"body":"I think one of the things that I love"},{"speaker":"Average Joe Finances","startTime":1416.715,"endTime":1419.208,"body":"about it is just, and you mentioned"},{"speaker":"Average Joe Finances","startTime":1419.208,"endTime":1420.768,"body":"this earlier is the liquidity of it."},{"speaker":"Average Joe Finances","startTime":1420.818,"endTime":1424.556,"body":"You were able to call them that morning"},{"speaker":"Average Joe Finances","startTime":1420.818,"endTime":1424.556,"body":"and say, Hey, I need X amount of dollars."},{"speaker":"Average Joe Finances","startTime":1424.706,"endTime":1426.986,"body":"And that night you had it, right?"},{"speaker":"Average Joe Finances","startTime":1427.196,"endTime":1427.256,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1427.256,"endTime":1432.334,"body":"You go and, for an investor sometimes that"},{"speaker":"Average Joe Finances","startTime":1427.256,"endTime":1432.334,"body":"can be, make or break on a deal, right?"},{"speaker":"Average Joe Finances","startTime":1432.574,"endTime":1436.054,"body":"Hey, we need to earn this money"},{"speaker":"Average Joe Finances","startTime":1432.574,"endTime":1436.054,"body":"deposited this much by this time."},{"speaker":"Average Joe Finances","startTime":1436.204,"endTime":1437.284,"body":"And you're like, got it."},{"speaker":"Average Joe Finances","startTime":1437.314,"endTime":1438.497,"body":"You can make that phone call."},{"speaker":"Average Joe Finances","startTime":1438.647,"endTime":1440.087,"body":"And make that happen very quickly."},{"speaker":"Average Joe Finances","startTime":1440.087,"endTime":1444.244,"body":"So that's, there's a lot of convenience"},{"speaker":"Average Joe Finances","startTime":1440.087,"endTime":1444.244,"body":"there as well, besides that double"},{"speaker":"Average Joe Finances","startTime":1444.244,"endTime":1446.854,"body":"dipping benefit and the other"},{"speaker":"Average Joe Finances","startTime":1444.244,"endTime":1446.854,"body":"benefits that you get from it as well."},{"speaker":"Average Joe Finances","startTime":1446.854,"endTime":1447.814,"body":"So yeah."},{"speaker":"Average Joe Finances","startTime":1447.814,"endTime":1448.624,"body":"That's awesome stuff."},{"speaker":"Drew White","startTime":1448.924,"endTime":1451.083,"body":"And you also, the"},{"speaker":"Drew White","startTime":1448.924,"endTime":1451.083,"body":"other thing people like is"},{"speaker":"Drew White","startTime":1451.083,"endTime":1452.463,"body":"there's no questions asked, right?"},{"speaker":"Drew White","startTime":1452.463,"endTime":1456.6,"body":"When you go to your bank, you gotta give"},{"speaker":"Drew White","startTime":1452.463,"endTime":1456.6,"body":"like your dog's name, your cat's name."},{"speaker":"Drew White","startTime":1456.6,"endTime":1459.179,"body":"And when they last saw the vet,"},{"speaker":"Drew White","startTime":1456.6,"endTime":1459.179,"body":"and you gotta tell 'em all this"},{"speaker":"Drew White","startTime":1459.179,"endTime":1461.846,"body":"background  and the guy that I was"},{"speaker":"Drew White","startTime":1459.179,"endTime":1461.846,"body":"mentioned, that's the land flipper."},{"speaker":"Drew White","startTime":1461.846,"endTime":1465.067,"body":"He was, Drew man, if I never have to"},{"speaker":"Drew White","startTime":1461.846,"endTime":1465.067,"body":"go to a bank again, I'll be a happy"},{"speaker":"Drew White","startTime":1465.067,"endTime":1466.657,"body":"man, cuz he hates that whole process."},{"speaker":"Drew White","startTime":1466.657,"endTime":1468.397,"body":"And so for him, he loves that."},{"speaker":"Drew White","startTime":1468.397,"endTime":1472.47,"body":"He calls up, says, I need this"},{"speaker":"Drew White","startTime":1468.397,"endTime":1472.47,"body":"much money, wire it to me now."},{"speaker":"Drew White","startTime":1472.47,"endTime":1474.707,"body":"Though he thinks ahead a lot"},{"speaker":"Drew White","startTime":1472.47,"endTime":1474.707,"body":"so he doesn't do always do the"},{"speaker":"Drew White","startTime":1474.707,"endTime":1476.808,"body":"wiring, if he needs to, he can."},{"speaker":"Drew White","startTime":1477.028,"endTime":1479.513,"body":"And so for him, yeah, it's"},{"speaker":"Drew White","startTime":1477.028,"endTime":1479.513,"body":"definitely eliminated a big, pain"},{"speaker":"Drew White","startTime":1479.513,"endTime":1481.209,"body":"point obstacle for him as well."},{"speaker":"Drew White","startTime":1481.239,"endTime":1482.578,"body":"That's been pretty cool."},{"speaker":"Average Joe Finances","startTime":1482.728,"endTime":1484.153,"body":"Yeah"},{"speaker":"Average Joe Finances","startTime":1482.728,"endTime":1484.153,"body":"Drew that's fantastic."},{"speaker":"Average Joe Finances","startTime":1484.203,"endTime":1486.903,"body":"I've had other people on that have"},{"speaker":"Average Joe Finances","startTime":1484.203,"endTime":1486.903,"body":"talked about this strategy before."},{"speaker":"Average Joe Finances","startTime":1487.123,"endTime":1488.462,"body":"You make it sound so much better."},{"speaker":"Average Joe Finances","startTime":1488.47,"endTime":1491.002,"body":"Not, I'm not saying better than"},{"speaker":"Average Joe Finances","startTime":1488.47,"endTime":1491.002,"body":"everybody else, but you just, you"},{"speaker":"Average Joe Finances","startTime":1491.002,"endTime":1494.883,"body":"make this sound very appetizing to"},{"speaker":"Average Joe Finances","startTime":1491.002,"endTime":1494.883,"body":"somebody who, who wants to look at doing"},{"speaker":"Average Joe Finances","startTime":1494.888,"endTime":1496.863,"body":"this, at least from my perspective."},{"speaker":"Average Joe Finances","startTime":1496.863,"endTime":1497.898,"body":"So this seems pretty fun."},{"speaker":"Drew White","startTime":1497.952,"endTime":1498.662,"body":"I appreciate that."},{"speaker":"Average Joe Finances","startTime":1498.872,"endTime":1499.082,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1499.082,"endTime":1499.952,"body":"Yeah, absolutely man."},{"speaker":"Average Joe Finances","startTime":1499.952,"endTime":1502.256,"body":"Hey, I'd like to go into something"},{"speaker":"Average Joe Finances","startTime":1499.952,"endTime":1502.256,"body":"that we started doing recently."},{"speaker":"Average Joe Finances","startTime":1502.256,"endTime":1506.768,"body":"It's called the the final round it's where"},{"speaker":"Average Joe Finances","startTime":1502.256,"endTime":1506.768,"body":"I have four questions that are gonna kinda"},{"speaker":"Average Joe Finances","startTime":1506.976,"endTime":1512.416,"body":"hit you hard and get down to the nitty"},{"speaker":"Average Joe Finances","startTime":1506.976,"endTime":1512.416,"body":"gritty  of the core of who drew white is."},{"speaker":"Average Joe Finances","startTime":1512.569,"endTime":1514.909,"body":"So if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":1512.569,"endTime":1514.909,"body":"we'll get this party started."},{"speaker":"Drew White","startTime":1515.209,"endTime":1515.539,"body":"Okay."},{"speaker":"Drew White","startTime":1515.539,"endTime":1516.229,"body":"I'm ready, man."},{"speaker":"Average Joe Finances","startTime":1516.409,"endTime":1517.039,"body":"All right, let's do it."},{"speaker":"Average Joe Finances","startTime":1517.039,"endTime":1521.599,"body":"So the first question is what's the"},{"speaker":"Average Joe Finances","startTime":1517.039,"endTime":1521.599,"body":"biggest mistake you've ever made."},{"speaker":"Drew White","startTime":1521.899,"endTime":1523.267,"body":"That is that's a good one."},{"speaker":"Drew White","startTime":1523.475,"endTime":1524.875,"body":"So I'm gonna be honest here."},{"speaker":"Drew White","startTime":1524.875,"endTime":1530.85,"body":"Biggest mistake for me probably was going"},{"speaker":"Drew White","startTime":1524.875,"endTime":1530.85,"body":"to college and specifically where I went,"},{"speaker":"Drew White","startTime":1531.0,"endTime":1532.59,"body":"everybody told me where I was going."},{"speaker":"Drew White","startTime":1532.638,"endTime":1534.078,"body":"I'm not trying to fill"},{"speaker":"Drew White","startTime":1532.638,"endTime":1534.078,"body":"them under the bus here."},{"speaker":"Drew White","startTime":1534.083,"endTime":1537.678,"body":"Not that any of them will listen to this,"},{"speaker":"Drew White","startTime":1534.083,"endTime":1537.678,"body":"but I went to Creighton University and"},{"speaker":"Drew White","startTime":1537.828,"endTime":1539.508,"body":"everyone wants a Creighton nurse, right?"},{"speaker":"Drew White","startTime":1539.52,"endTime":1542.351,"body":"They're one of the best and"},{"speaker":"Drew White","startTime":1539.52,"endTime":1542.351,"body":"everybody loves Creighton nurses."},{"speaker":"Drew White","startTime":1542.374,"endTime":1544.804,"body":"What I later learned out is"},{"speaker":"Drew White","startTime":1542.374,"endTime":1544.804,"body":"everybody just wants a nurse."},{"speaker":"Drew White","startTime":1544.825,"endTime":1545.968,"body":"There's a nursing shortage."},{"speaker":"Drew White","startTime":1546.151,"endTime":1548.161,"body":"And my dad tried to warn"},{"speaker":"Drew White","startTime":1546.151,"endTime":1548.161,"body":"me after the first year."},{"speaker":"Drew White","startTime":1548.19,"endTime":1551.659,"body":"Hey man, this is a lot of money for this"},{"speaker":"Drew White","startTime":1548.19,"endTime":1551.659,"body":"and you're not gonna make that much."},{"speaker":"Drew White","startTime":1551.663,"endTime":1554.208,"body":"At least I would've asked some"},{"speaker":"Drew White","startTime":1551.663,"endTime":1554.208,"body":"more questions beforehand."},{"speaker":"Drew White","startTime":1554.269,"endTime":1555.919,"body":"I don't regret my time as a nurse."},{"speaker":"Drew White","startTime":1555.919,"endTime":1560.778,"body":"I learned a ton and met some amazing"},{"speaker":"Drew White","startTime":1555.919,"endTime":1560.778,"body":"families .But for me I realized pretty"},{"speaker":"Drew White","startTime":1560.778,"endTime":1564.32,"body":"quickly, like it wasn't the right"},{"speaker":"Drew White","startTime":1560.778,"endTime":1564.32,"body":"career for me, wasn't the right path"},{"speaker":"Drew White","startTime":1564.32,"endTime":1567.019,"body":"for me, and, I don't know if I found"},{"speaker":"Drew White","startTime":1564.32,"endTime":1567.019,"body":"my way to what I'm doing if I hadn't"},{"speaker":"Drew White","startTime":1567.024,"endTime":1568.314,"body":"done that, so I wouldn't change it."},{"speaker":"Drew White","startTime":1568.314,"endTime":1572.097,"body":"But, definitely taking on that debt and"},{"speaker":"Drew White","startTime":1568.314,"endTime":1572.097,"body":"not asking more questions and learning"},{"speaker":"Drew White","startTime":1572.097,"endTime":1573.357,"body":"about money a little bit sooner."},{"speaker":"Drew White","startTime":1573.657,"endTime":1576.568,"body":"I would have to say is one of"},{"speaker":"Drew White","startTime":1573.657,"endTime":1576.568,"body":"my biggest biggest mistakes."},{"speaker":"Average Joe Finances","startTime":1576.718,"endTime":1579.792,"body":"No, and I can,"},{"speaker":"Average Joe Finances","startTime":1576.718,"endTime":1579.792,"body":"I could appreciate the honesty and"},{"speaker":"Average Joe Finances","startTime":1579.792,"endTime":1583.616,"body":"going back to all that, but, I will say"},{"speaker":"Average Joe Finances","startTime":1579.792,"endTime":1583.616,"body":"that, looking back at everything that"},{"speaker":"Average Joe Finances","startTime":1583.616,"endTime":1587.44,"body":"you've been through and how you got to"},{"speaker":"Average Joe Finances","startTime":1583.616,"endTime":1587.44,"body":"where you are today, I feel like, that"},{"speaker":"Average Joe Finances","startTime":1587.44,"endTime":1591.07,"body":"journey that you had probably wouldn't"},{"speaker":"Average Joe Finances","startTime":1587.44,"endTime":1591.07,"body":"have started if you didn't rack up this"},{"speaker":"Average Joe Finances","startTime":1591.07,"endTime":1594.728,"body":"student loan debt and  get yourself into"},{"speaker":"Average Joe Finances","startTime":1591.07,"endTime":1594.728,"body":"the situation where you're in right now."},{"speaker":"Average Joe Finances","startTime":1594.728,"endTime":1599.808,"body":"So maybe if you didn't do it, you might"},{"speaker":"Average Joe Finances","startTime":1594.728,"endTime":1599.808,"body":"not be sitting where you're at right now."},{"speaker":"Drew White","startTime":1600.108,"endTime":1600.588,"body":"Yeah, no."},{"speaker":"Drew White","startTime":1600.588,"endTime":1604.056,"body":"And that's what I tell people even"},{"speaker":"Drew White","startTime":1600.588,"endTime":1604.056,"body":"though I was a mistake and I regret it,"},{"speaker":"Drew White","startTime":1604.261,"endTime":1607.621,"body":"I also have somehow have at the same"},{"speaker":"Drew White","startTime":1604.261,"endTime":1607.621,"body":"time, this gratitude for it, because I"},{"speaker":"Drew White","startTime":1607.621,"endTime":1609.121,"body":"genuinely believe what you're saying."},{"speaker":"Drew White","startTime":1609.143,"endTime":1610.951,"body":"I don't think I'm here today."},{"speaker":"Drew White","startTime":1611.101,"endTime":1613.771,"body":"I don't think, I don't even know if I'd"},{"speaker":"Drew White","startTime":1611.101,"endTime":1613.771,"body":"ever get to the point that I care about"},{"speaker":"Drew White","startTime":1613.771,"endTime":1615.991,"body":"generational wealth and teaching my kids."},{"speaker":"Drew White","startTime":1616.046,"endTime":1618.626,"body":"Wealth principles and"},{"speaker":"Drew White","startTime":1616.046,"endTime":1618.626,"body":"mindsets and things like that."},{"speaker":"Drew White","startTime":1618.896,"endTime":1622.466,"body":"And so I, a hundred percent like"},{"speaker":"Drew White","startTime":1618.896,"endTime":1622.466,"body":"acknowledged that it started from there."},{"speaker":"Drew White","startTime":1622.866,"endTime":1624.006,"body":"Definitely a mistake I wish."},{"speaker":"Drew White","startTime":1624.246,"endTime":1627.005,"body":"And the other thing I'd say the other"},{"speaker":"Drew White","startTime":1624.246,"endTime":1627.005,"body":"mistake, I think, and again, not to"},{"speaker":"Drew White","startTime":1627.005,"endTime":1630.839,"body":"rail Dave Ramsey, I wish instead of"},{"speaker":"Drew White","startTime":1627.005,"endTime":1630.839,"body":"paying off all that, maybe this is"},{"speaker":"Drew White","startTime":1630.839,"endTime":1633.509,"body":"a better one, honestly, now that I'm"},{"speaker":"Drew White","startTime":1630.839,"endTime":1633.509,"body":"thinking of it, I wish I had invested"},{"speaker":"Drew White","startTime":1633.509,"endTime":1637.019,"body":"in real estate and I wish I had done"},{"speaker":"Drew White","startTime":1633.509,"endTime":1637.019,"body":"this, what I'm doing now sooner."},{"speaker":"Drew White","startTime":1637.229,"endTime":1640.539,"body":"I could have kept that mistake and"},{"speaker":"Drew White","startTime":1637.229,"endTime":1640.539,"body":"still had the student loan debt, but"},{"speaker":"Drew White","startTime":1640.539,"endTime":1642.905,"body":"invested in real estate, 10 years sooner."},{"speaker":"Drew White","startTime":1643.117,"endTime":1644.577,"body":"And been a little bit further ahead."},{"speaker":"Drew White","startTime":1644.577,"endTime":1645.697,"body":"So maybe I'll change my answer."},{"speaker":"Average Joe Finances","startTime":1645.847,"endTime":1646.609,"body":"Hey, that's fine, man."},{"speaker":"Average Joe Finances","startTime":1646.609,"endTime":1646.883,"body":"That's fine."},{"speaker":"Drew White","startTime":1647.003,"endTime":1648.803,"body":"I give you two"},{"speaker":"Drew White","startTime":1647.003,"endTime":1648.803,"body":"mistakes for the price of one."},{"speaker":"Average Joe Finances","startTime":1649.073,"endTime":1650.059,"body":"Hey, I appreciate that."},{"speaker":"Average Joe Finances","startTime":1650.059,"endTime":1650.359,"body":"Look at that."},{"speaker":"Average Joe Finances","startTime":1650.359,"endTime":1652.489,"body":"Now I'm double dipping"},{"speaker":"Average Joe Finances","startTime":1650.359,"endTime":1652.489,"body":"on the podcast episode."},{"speaker":"Average Joe Finances","startTime":1652.789,"endTime":1653.149,"body":"That's great."},{"speaker":"Average Joe Finances","startTime":1653.449,"endTime":1653.719,"body":"All right."},{"speaker":"Average Joe Finances","startTime":1653.719,"endTime":1654.109,"body":"Cool, man."},{"speaker":"Average Joe Finances","startTime":1654.109,"endTime":1655.103,"body":"Hey next question."},{"speaker":"Average Joe Finances","startTime":1655.103,"endTime":1659.159,"body":"And this ties into probably what we"},{"speaker":"Average Joe Finances","startTime":1655.103,"endTime":1659.159,"body":"just talked about and what is something"},{"speaker":"Average Joe Finances","startTime":1659.159,"endTime":1662.769,"body":"that you've learned that you wish"},{"speaker":"Average Joe Finances","startTime":1659.159,"endTime":1662.769,"body":"you knew when you first started?"},{"speaker":"Drew White","startTime":1662.919,"endTime":1663.129,"body":"Yeah."},{"speaker":"Drew White","startTime":1663.134,"endTime":1666.279,"body":"So this is this is a one I've"},{"speaker":"Drew White","startTime":1663.134,"endTime":1666.279,"body":"only really learned in the past"},{"speaker":"Drew White","startTime":1666.279,"endTime":1667.629,"body":"year that I'll share with people."},{"speaker":"Drew White","startTime":1667.876,"endTime":1669.645,"body":"It's, called the gap and the gain."},{"speaker":"Drew White","startTime":1669.645,"endTime":1670.692,"body":"There's a book on it."},{"speaker":"Drew White","startTime":1670.702,"endTime":1672.352,"body":"Yeah, I actually haven't even read"},{"speaker":"Drew White","startTime":1670.702,"endTime":1672.352,"body":"the book to be honest, I've just"},{"speaker":"Drew White","startTime":1672.352,"endTime":1676.055,"body":"been taught the principles, but for"},{"speaker":"Drew White","startTime":1672.352,"endTime":1676.055,"body":"me it's been a huge one and I'll go"},{"speaker":"Drew White","startTime":1676.055,"endTime":1678.679,"body":"in real quick to what that kind of"},{"speaker":"Drew White","startTime":1676.055,"endTime":1678.679,"body":"means, or at least how I understand it."},{"speaker":"Drew White","startTime":1678.679,"endTime":1682.069,"body":"The gap is where I'm at right now"},{"speaker":"Drew White","startTime":1678.679,"endTime":1682.069,"body":"in and where I wanna be, where my"},{"speaker":"Drew White","startTime":1682.069,"endTime":1684.919,"body":"future me wants to be, where my"},{"speaker":"Drew White","startTime":1682.069,"endTime":1684.919,"body":"goals are ,my vision is ,right?"},{"speaker":"Drew White","startTime":1685.189,"endTime":1689.306,"body":"But the gain is when you measure backwards"},{"speaker":"Drew White","startTime":1685.189,"endTime":1689.306,"body":"and you say, okay I was drew that had"},{"speaker":"Drew White","startTime":1689.306,"endTime":1694.458,"body":"$150,000 student loan debt, and now"},{"speaker":"Drew White","startTime":1689.306,"endTime":1694.458,"body":"I'm here Drew teaching these, wealth"},{"speaker":"Drew White","startTime":1694.458,"endTime":1696.031,"body":"concepts and principles of people."},{"speaker":"Drew White","startTime":1696.031,"endTime":1699.563,"body":"That's pretty remarkable how far I've"},{"speaker":"Drew White","startTime":1696.031,"endTime":1699.563,"body":"come from, to pat myself on the back for."},{"speaker":"Drew White","startTime":1699.575,"endTime":1704.351,"body":"But if I'm constantly measuring and living"},{"speaker":"Drew White","startTime":1699.575,"endTime":1704.351,"body":"in that other place, the gap where I'm"},{"speaker":"Drew White","startTime":1704.351,"endTime":1707.289,"body":"saying, yeah, but I have all these things"},{"speaker":"Drew White","startTime":1704.351,"endTime":1707.289,"body":"that I want, I have all these things."},{"speaker":"Drew White","startTime":1707.289,"endTime":1710.213,"body":"I want my wife and I wanna have an"},{"speaker":"Drew White","startTime":1707.289,"endTime":1710.213,"body":"Airbnb and this, and we're not there yet."},{"speaker":"Drew White","startTime":1710.236,"endTime":1711.376,"body":"Then I'm never measuring up."},{"speaker":"Drew White","startTime":1711.376,"endTime":1713.736,"body":"I'm never enough, I'm"},{"speaker":"Drew White","startTime":1711.376,"endTime":1713.736,"body":"always falling short."},{"speaker":"Drew White","startTime":1713.777,"endTime":1717.22,"body":"But if you can, measure backwards"},{"speaker":"Drew White","startTime":1713.777,"endTime":1717.22,"body":"and see, and basically live in kind"},{"speaker":"Drew White","startTime":1717.22,"endTime":1720.709,"body":"of gratitude of where you came from"},{"speaker":"Drew White","startTime":1717.22,"endTime":1720.709,"body":"and to be thankful for that journey"},{"speaker":"Drew White","startTime":1720.709,"endTime":1722.329,"body":"and say, wow, I really have grown."},{"speaker":"Drew White","startTime":1722.428,"endTime":1723.5,"body":"I'm not a nurse anymore."},{"speaker":"Drew White","startTime":1723.549,"endTime":1724.119,"body":"That's amazing."},{"speaker":"Drew White","startTime":1724.124,"endTime":1726.039,"body":"I didn't think I'd ever"},{"speaker":"Drew White","startTime":1724.124,"endTime":1726.039,"body":"get out from being a nurse."},{"speaker":"Drew White","startTime":1726.119,"endTime":1727.649,"body":"I don't work weekends and holidays."},{"speaker":"Drew White","startTime":1727.649,"endTime":1728.519,"body":"I could be with my family."},{"speaker":"Drew White","startTime":1728.819,"endTime":1731.699,"body":"And so for me, that's been something"},{"speaker":"Drew White","startTime":1728.819,"endTime":1731.699,"body":"I wish I had learned sooner."},{"speaker":"Drew White","startTime":1731.892,"endTime":1737.062,"body":"I for years was just like always looking"},{"speaker":"Drew White","startTime":1731.892,"endTime":1737.062,"body":"at that  big future vision and being."},{"speaker":"Drew White","startTime":1737.362,"endTime":1738.562,"body":"Oh, I'm not measuring up."},{"speaker":"Drew White","startTime":1738.562,"endTime":1739.372,"body":"I'm not good enough."},{"speaker":"Drew White","startTime":1739.372,"endTime":1740.422,"body":"I'm not there yet."},{"speaker":"Drew White","startTime":1740.452,"endTime":1743.01,"body":"So that's been a huge one for me"},{"speaker":"Drew White","startTime":1740.452,"endTime":1743.01,"body":"that I, whenever I share people"},{"speaker":"Drew White","startTime":1743.01,"endTime":1745.091,"body":"with that with people, that's"},{"speaker":"Drew White","startTime":1743.01,"endTime":1745.091,"body":"oh yeah, that , that's good."},{"speaker":"Average Joe Finances","startTime":1745.391,"endTime":1746.951,"body":"No,"},{"speaker":"Average Joe Finances","startTime":1745.391,"endTime":1746.951,"body":"that, that is that's fantastic."},{"speaker":"Average Joe Finances","startTime":1746.951,"endTime":1750.4,"body":"Because when you look back and"},{"speaker":"Average Joe Finances","startTime":1746.951,"endTime":1750.4,"body":"you think about just the knowledge"},{"speaker":"Average Joe Finances","startTime":1750.4,"endTime":1754.06,"body":"that you have now versus when"},{"speaker":"Average Joe Finances","startTime":1750.4,"endTime":1754.06,"body":"you first got yourself into this."},{"speaker":"Average Joe Finances","startTime":1754.06,"endTime":1756.1,"body":"I mean it's night and day, right?"},{"speaker":"Average Joe Finances","startTime":1756.1,"endTime":1756.91,"body":"It's night and day."},{"speaker":"Average Joe Finances","startTime":1756.915,"endTime":1761.21,"body":"Like you, you can go look and say, okay,"},{"speaker":"Average Joe Finances","startTime":1756.915,"endTime":1761.21,"body":"I wanna go buy a piece of real estate,"},{"speaker":"Average Joe Finances","startTime":1761.34,"endTime":1763.477,"body":"exactly what to do now to go do that."},{"speaker":"Average Joe Finances","startTime":1763.541,"endTime":1767.111,"body":"You know exactly how to borrow that"},{"speaker":"Average Joe Finances","startTime":1763.541,"endTime":1767.111,"body":"money from your policy when you need"},{"speaker":"Average Joe Finances","startTime":1767.111,"endTime":1770.192,"body":"it in that moment where, when you"},{"speaker":"Average Joe Finances","startTime":1767.111,"endTime":1770.192,"body":"first started off, it's a lot of"},{"speaker":"Average Joe Finances","startTime":1770.192,"endTime":1773.538,"body":"learning and all the learning curves"},{"speaker":"Average Joe Finances","startTime":1770.192,"endTime":1773.538,"body":"you have to go through, the books"},{"speaker":"Average Joe Finances","startTime":1773.538,"endTime":1776.544,"body":"that you were reading, the podcast"},{"speaker":"Average Joe Finances","startTime":1773.538,"endTime":1776.544,"body":"you were listening to, that's huge."},{"speaker":"Average Joe Finances","startTime":1776.574,"endTime":1777.024,"body":"It's huge."},{"speaker":"Average Joe Finances","startTime":1777.074,"endTime":1777.794,"body":"Awesome, man."},{"speaker":"Average Joe Finances","startTime":1778.094,"endTime":1778.664,"body":"All right, cool."},{"speaker":"Average Joe Finances","startTime":1778.694,"endTime":1780.104,"body":"Let's move on to the next question."},{"speaker":"Average Joe Finances","startTime":1780.313,"endTime":1783.203,"body":"And this also kind of ties,"},{"speaker":"Average Joe Finances","startTime":1780.313,"endTime":1783.203,"body":"they'll you'll see that they"},{"speaker":"Average Joe Finances","startTime":1783.203,"endTime":1784.268,"body":"all tie into each other, right?"},{"speaker":"Average Joe Finances","startTime":1784.436,"endTime":1788.336,"body":"But do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":1784.436,"endTime":1788.336,"body":"that you would recommend to someone"},{"speaker":"Average Joe Finances","startTime":1788.341,"endTime":1789.956,"body":"that is just getting started today?"},{"speaker":"Average Joe Finances","startTime":1789.956,"endTime":1793.007,"body":"Let's say somebody wants to take"},{"speaker":"Average Joe Finances","startTime":1789.956,"endTime":1793.007,"body":"out a whole life insurance policy,"},{"speaker":"Average Joe Finances","startTime":1793.277,"endTime":1796.347,"body":"cuz  they listened to this episode and"},{"speaker":"Average Joe Finances","startTime":1793.277,"endTime":1796.347,"body":"said, Drew, this is what I want to do."},{"speaker":"Average Joe Finances","startTime":1796.567,"endTime":1796.847,"body":"Drew."},{"speaker":"Average Joe Finances","startTime":1797.147,"endTime":1798.377,"body":"What would you recommend to them?"},{"speaker":"Drew White","startTime":1798.677,"endTime":1799.516,"body":"Okay two parts."},{"speaker":"Drew White","startTime":1799.516,"endTime":1800.956,"body":"One, I'd say, Hey, reach out to me."},{"speaker":"Drew White","startTime":1800.956,"endTime":1804.643,"body":"And we'll answer that at the end of"},{"speaker":"Drew White","startTime":1800.956,"endTime":1804.643,"body":"the show, how to, but I would say, for"},{"speaker":"Drew White","startTime":1804.648,"endTime":1809.423,"body":"anybody find someone that could mentor"},{"speaker":"Drew White","startTime":1804.648,"endTime":1809.423,"body":"you or coach you, that you would trust,"},{"speaker":"Drew White","startTime":1809.573,"endTime":1814.247,"body":"and for me, if, to be honest, like I"},{"speaker":"Drew White","startTime":1809.573,"endTime":1814.247,"body":"really didn't, I didn't know the value"},{"speaker":"Drew White","startTime":1814.247,"endTime":1817.907,"body":"of coaching and having a mentor and"},{"speaker":"Drew White","startTime":1814.247,"endTime":1817.907,"body":"having someone that can basically look"},{"speaker":"Drew White","startTime":1817.907,"endTime":1821.918,"body":"from the outside of the glass or the"},{"speaker":"Drew White","startTime":1817.907,"endTime":1821.918,"body":"jar and see the bigger picture than"},{"speaker":"Drew White","startTime":1821.918,"endTime":1824.933,"body":"when you're just inside of it and you"},{"speaker":"Drew White","startTime":1821.918,"endTime":1824.933,"body":"can only see the glass around you."},{"speaker":"Drew White","startTime":1824.999,"endTime":1826.368,"body":"And I think that's huge."},{"speaker":"Drew White","startTime":1826.368,"endTime":1828.588,"body":"And so many people think,"},{"speaker":"Drew White","startTime":1826.368,"endTime":1828.588,"body":"oh, I can't afford it."},{"speaker":"Drew White","startTime":1828.588,"endTime":1829.578,"body":"I can't do that."},{"speaker":"Drew White","startTime":1829.768,"endTime":1831.829,"body":"And sometimes I have to take a"},{"speaker":"Drew White","startTime":1829.768,"endTime":1831.829,"body":"leap of faith and just do it."},{"speaker":"Drew White","startTime":1831.829,"endTime":1833.628,"body":"And I still in my business have done."},{"speaker":"Drew White","startTime":1833.633,"endTime":1835.338,"body":"I'm still being coached and mentored."},{"speaker":"Drew White","startTime":1835.55,"endTime":1837.62,"body":"And sometimes it is like"},{"speaker":"Drew White","startTime":1835.55,"endTime":1837.62,"body":"a financial leap of faith."},{"speaker":"Drew White","startTime":1837.641,"endTime":1841.691,"body":"Okay, I'm gonna pay this person, cuz I've"},{"speaker":"Drew White","startTime":1837.641,"endTime":1841.691,"body":"seen so much from coaching and mentoring"},{"speaker":"Drew White","startTime":1841.691,"endTime":1844.271,"body":"that's pushed me outside my comfort zone."},{"speaker":"Drew White","startTime":1844.321,"endTime":1847.978,"body":"One of the greatest life hacks there is"},{"speaker":"Drew White","startTime":1844.321,"endTime":1847.978,"body":"and, it's and someone that you can trust,"},{"speaker":"Drew White","startTime":1848.006,"endTime":1850.977,"body":"don't just go with the first person,"},{"speaker":"Drew White","startTime":1848.006,"endTime":1850.977,"body":"interview and make sure too it's someone"},{"speaker":"Drew White","startTime":1850.977,"endTime":1854.184,"body":"that's ahead of where you're at, because"},{"speaker":"Drew White","startTime":1850.977,"endTime":1854.184,"body":"if they're the same level as you, you're"},{"speaker":"Drew White","startTime":1854.189,"endTime":1855.324,"body":"probably not gonna get that growth."},{"speaker":"Drew White","startTime":1855.324,"endTime":1857.134,"body":"You need someone ahead of where you're at."},{"speaker":"Drew White","startTime":1857.314,"endTime":1860.254,"body":"And then the other thing I'm gonna do"},{"speaker":"Drew White","startTime":1857.314,"endTime":1860.254,"body":"a bonus one again here, so two for the"},{"speaker":"Drew White","startTime":1860.254,"endTime":1863.493,"body":"price of one if someone was starting, the"},{"speaker":"Drew White","startTime":1860.254,"endTime":1863.493,"body":"advice I would've given myself is figure"},{"speaker":"Drew White","startTime":1863.493,"endTime":1867.483,"body":"out what your mindset is around money,"},{"speaker":"Drew White","startTime":1863.493,"endTime":1867.483,"body":"because we all have a relationship with"},{"speaker":"Drew White","startTime":1867.483,"endTime":1869.103,"body":"money, whether we realize it or not."},{"speaker":"Drew White","startTime":1869.108,"endTime":1871.413,"body":"And a lot of it crazy"},{"speaker":"Drew White","startTime":1869.108,"endTime":1871.413,"body":"enough is generational."},{"speaker":"Drew White","startTime":1871.445,"endTime":1874.05,"body":"It comes from your parents comes"},{"speaker":"Drew White","startTime":1871.445,"endTime":1874.05,"body":"from the previous generation."},{"speaker":"Drew White","startTime":1874.26,"endTime":1878.19,"body":"And so if you're not assessing those"},{"speaker":"Drew White","startTime":1874.26,"endTime":1878.19,"body":"and evaluating those, it's tough to grow"},{"speaker":"Drew White","startTime":1878.19,"endTime":1881.781,"body":"beyond where you're at, because you really"},{"speaker":"Drew White","startTime":1878.19,"endTime":1881.781,"body":"like for me, I had some issues with money."},{"speaker":"Drew White","startTime":1881.811,"endTime":1884.841,"body":"I heard this guy say, just write"},{"speaker":"Drew White","startTime":1881.811,"endTime":1884.841,"body":"down money is, and then free"},{"speaker":"Drew White","startTime":1884.841,"endTime":1886.242,"body":"flow, for five, 10 minutes."},{"speaker":"Drew White","startTime":1886.302,"endTime":1887.562,"body":"And you'll see what comes out."},{"speaker":"Drew White","startTime":1887.562,"endTime":1888.942,"body":"Just don't filter it just right."},{"speaker":"Drew White","startTime":1889.212,"endTime":1889.932,"body":"And it was huge."},{"speaker":"Drew White","startTime":1889.937,"endTime":1893.091,"body":"It was like, oh my gosh, all almost"},{"speaker":"Drew White","startTime":1889.937,"endTime":1893.091,"body":"everything was negative . And so"},{"speaker":"Drew White","startTime":1893.096,"endTime":1896.481,"body":"realizing you have  a mindset around"},{"speaker":"Drew White","startTime":1893.096,"endTime":1896.481,"body":"money is really important if you're"},{"speaker":"Drew White","startTime":1896.481,"endTime":1899.541,"body":"just starting out and figuring out what"},{"speaker":"Drew White","startTime":1896.481,"endTime":1899.541,"body":"that is, and then working to change."},{"speaker":"Average Joe Finances","startTime":1899.729,"endTime":1901.379,"body":"I absolutely love that."},{"speaker":"Average Joe Finances","startTime":1901.379,"endTime":1903.992,"body":"And I, I've mentioned that on the"},{"speaker":"Average Joe Finances","startTime":1901.379,"endTime":1903.992,"body":"podcast before, too, especially"},{"speaker":"Average Joe Finances","startTime":1903.992,"endTime":1906.956,"body":"when it comes to relationships and"},{"speaker":"Average Joe Finances","startTime":1903.992,"endTime":1906.956,"body":"money, that you have to have a good,"},{"speaker":"Average Joe Finances","startTime":1906.956,"endTime":1908.516,"body":"positive relationship with your money."},{"speaker":"Average Joe Finances","startTime":1908.666,"endTime":1911.975,"body":"If you have to treat it like it's"},{"speaker":"Average Joe Finances","startTime":1908.666,"endTime":1911.975,"body":"a person, if you were in a toxic"},{"speaker":"Average Joe Finances","startTime":1911.98,"endTime":1915.36,"body":"relationship with somebody, would you"},{"speaker":"Average Joe Finances","startTime":1911.98,"endTime":1915.36,"body":"stay or would you say it's time to go?"},{"speaker":"Average Joe Finances","startTime":1915.57,"endTime":1917.73,"body":"If you have a toxic relationship"},{"speaker":"Average Joe Finances","startTime":1915.57,"endTime":1917.73,"body":"with money, guess what?"},{"speaker":"Average Joe Finances","startTime":1917.91,"endTime":1919.59,"body":"It's gonna be the money"},{"speaker":"Average Joe Finances","startTime":1917.91,"endTime":1919.59,"body":"walking out on you."},{"speaker":"Average Joe Finances","startTime":1919.59,"endTime":1922.47,"body":"It's gonna be the money walking"},{"speaker":"Average Joe Finances","startTime":1919.59,"endTime":1922.47,"body":"away, not you walking away from it."},{"speaker":"Average Joe Finances","startTime":1922.5,"endTime":1925.86,"body":"Cuz trust me, you'll be chasing it the"},{"speaker":"Average Joe Finances","startTime":1922.5,"endTime":1925.86,"body":"entire time for the rest of your life."},{"speaker":"Drew White","startTime":1926.16,"endTime":1926.82,"body":"I've never that analogy."},{"speaker":"Drew White","startTime":1926.82,"endTime":1928.41,"body":"I love that the money walking out on you."},{"speaker":"Average Joe Finances","startTime":1928.71,"endTime":1930.24,"body":"Just,"},{"speaker":"Average Joe Finances","startTime":1928.71,"endTime":1930.24,"body":"it just made that up just now."},{"speaker":"Average Joe Finances","startTime":1930.24,"endTime":1931.02,"body":"So there you go."},{"speaker":"Average Joe Finances","startTime":1931.11,"endTime":1932.82,"body":"A lot, lots of firsts happening right now."},{"speaker":"Average Joe Finances","startTime":1932.82,"endTime":1934.86,"body":"So there, here it is folks right here."},{"speaker":"Average Joe Finances","startTime":1935.04,"endTime":1935.94,"body":"Heard it for the first time."},{"speaker":"Average Joe Finances","startTime":1936.24,"endTime":1937.11,"body":"Oh, good stuff, man."},{"speaker":"Average Joe Finances","startTime":1937.11,"endTime":1937.59,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":1937.62,"endTime":1937.98,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1938.199,"endTime":1942.595,"body":"I have one final question for the final"},{"speaker":"Average Joe Finances","startTime":1938.199,"endTime":1942.595,"body":"round and I have a feeling I know what"},{"speaker":"Average Joe Finances","startTime":1942.595,"endTime":1947.43,"body":"this answer's gonna be, but do you have"},{"speaker":"Average Joe Finances","startTime":1942.595,"endTime":1947.43,"body":"a favorite business investing or real"},{"speaker":"Average Joe Finances","startTime":1947.43,"endTime":1950.52,"body":"estate related book or podcast or both?"},{"speaker":"Drew White","startTime":1950.82,"endTime":1951.3,"body":"Okay."},{"speaker":"Drew White","startTime":1951.6,"endTime":1952.919,"body":"So yeah you did get me."},{"speaker":"Drew White","startTime":1952.986,"endTime":1955.807,"body":"I think you're gonna know, but and I"},{"speaker":"Drew White","startTime":1952.986,"endTime":1955.807,"body":"hope people keep an open mind cuz I would"},{"speaker":"Drew White","startTime":1955.807,"endTime":1958.177,"body":"say read The Bitcoin Standard honestly."},{"speaker":"Drew White","startTime":1958.177,"endTime":1961.53,"body":"And I would also say Becoming Your Own"},{"speaker":"Drew White","startTime":1958.177,"endTime":1961.53,"body":"Banker obviously, cuz I loved it, but"},{"speaker":"Drew White","startTime":1961.83,"endTime":1965.01,"body":"The Bitcoin Standard and not even if"},{"speaker":"Drew White","startTime":1961.83,"endTime":1965.01,"body":"you're like interested in Bitcoin, to"},{"speaker":"Drew White","startTime":1965.01,"endTime":1966.75,"body":"be honest and you may not be by end of."},{"speaker":"Drew White","startTime":1967.05,"endTime":1971.86,"body":"But it's just to me, it was so fascinating"},{"speaker":"Drew White","startTime":1967.05,"endTime":1971.86,"body":"and  he does such a great job of showing"},{"speaker":"Drew White","startTime":1971.86,"endTime":1975.16,"body":"you the history of money, which again,"},{"speaker":"Drew White","startTime":1971.86,"endTime":1975.16,"body":"anybody saying the history of money,"},{"speaker":"Drew White","startTime":1975.4,"endTime":1978.61,"body":"that doesn't sound interesting, but"},{"speaker":"Drew White","startTime":1975.4,"endTime":1978.61,"body":"I promise you, like he really does."},{"speaker":"Drew White","startTime":1978.61,"endTime":1979.81,"body":"It really is interesting."},{"speaker":"Drew White","startTime":1979.894,"endTime":1982.889,"body":"And he goes into like fractional"},{"speaker":"Drew White","startTime":1979.894,"endTime":1982.889,"body":"reserve banking and all of this stuff."},{"speaker":"Drew White","startTime":1982.889,"endTime":1984.789,"body":"And so for me, it was"},{"speaker":"Drew White","startTime":1982.889,"endTime":1984.789,"body":"just very eye opening."},{"speaker":"Drew White","startTime":1984.789,"endTime":1985.899,"body":"Very interesting."},{"speaker":"Drew White","startTime":1986.109,"endTime":1988.779,"body":"And then, yeah, I can't recommend"},{"speaker":"Drew White","startTime":1986.109,"endTime":1988.779,"body":"enough Becoming Your Own Banker."},{"speaker":"Drew White","startTime":1989.012,"endTime":1991.249,"body":"And if people want that, I send"},{"speaker":"Drew White","startTime":1989.012,"endTime":1991.249,"body":"it to people for free because"},{"speaker":"Drew White","startTime":1991.254,"endTime":1992.789,"body":"it impacted my life so much."},{"speaker":"Drew White","startTime":1992.858,"endTime":1995.113,"body":"I maybe shouldn't say that on a"},{"speaker":"Drew White","startTime":1992.858,"endTime":1995.113,"body":"podcast, but I will  but those are"},{"speaker":"Drew White","startTime":1995.113,"endTime":1997.108,"body":"two, two huge ones for me personally."},{"speaker":"Average Joe Finances","startTime":1997.325,"endTime":1997.625,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1997.745,"endTime":1998.975,"body":"No, absolutely love that, man."},{"speaker":"Average Joe Finances","startTime":1999.017,"endTime":1999.677,"body":"That's great."},{"speaker":"Average Joe Finances","startTime":1999.725,"endTime":2002.108,"body":"Yeah, and I figured that was I"},{"speaker":"Average Joe Finances","startTime":1999.725,"endTime":2002.108,"body":"figured at least becoming your"},{"speaker":"Average Joe Finances","startTime":2002.113,"endTime":2004.623,"body":"own banker was definitely it and"},{"speaker":"Average Joe Finances","startTime":2002.113,"endTime":2004.623,"body":"then also the Bitcoin standard."},{"speaker":"Average Joe Finances","startTime":2004.628,"endTime":2006.513,"body":"So another two for the price one."},{"speaker":"Drew White","startTime":2006.577,"endTime":2006.829,"body":"Oh man."},{"speaker":"Drew White","startTime":2006.829,"endTime":2008.389,"body":"I know I'm just doubling up today."},{"speaker":"Average Joe Finances","startTime":2008.539,"endTime":2008.929,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2009.12,"endTime":2009.54,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2009.84,"endTime":2010.2,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2010.2,"endTime":2010.98,"body":"Hey, I love it, man."},{"speaker":"Average Joe Finances","startTime":2011.057,"endTime":2013.067,"body":"Drew, this has been absolutely phenomenal."},{"speaker":"Average Joe Finances","startTime":2013.067,"endTime":2014.534,"body":"This conversation's been awesome."},{"speaker":"Average Joe Finances","startTime":2014.548,"endTime":2018.272,"body":"So I have one more question for you,"},{"speaker":"Average Joe Finances","startTime":2014.548,"endTime":2018.272,"body":"this one's coming but this is the one"},{"speaker":"Average Joe Finances","startTime":2018.272,"endTime":2021.632,"body":"that is super important because there's"},{"speaker":"Average Joe Finances","startTime":2018.272,"endTime":2021.632,"body":"people that are listening to this episode"},{"speaker":"Average Joe Finances","startTime":2021.632,"endTime":2024.627,"body":"right now and say, you know what drew"},{"speaker":"Average Joe Finances","startTime":2021.632,"endTime":2024.627,"body":"is talking about some really cool stuff,"},{"speaker":"Average Joe Finances","startTime":2024.627,"endTime":2028.536,"body":"I really like this investment banking"},{"speaker":"Average Joe Finances","startTime":2024.627,"endTime":2028.536,"body":"in infinite investing banking strategy."},{"speaker":"Average Joe Finances","startTime":2028.536,"endTime":2030.678,"body":"What is some ways I could"},{"speaker":"Average Joe Finances","startTime":2028.536,"endTime":2030.678,"body":"learn more about that?"},{"speaker":"Average Joe Finances","startTime":2030.703,"endTime":2031.646,"body":"I need to talk to drew."},{"speaker":"Average Joe Finances","startTime":2031.646,"endTime":2032.996,"body":"So how am I gonna get in touch with drew?"},{"speaker":"Average Joe Finances","startTime":2032.996,"endTime":2033.896,"body":"So drew."},{"speaker":"Average Joe Finances","startTime":2034.102,"endTime":2037.934,"body":"Can you share with us, do you have a"},{"speaker":"Average Joe Finances","startTime":2034.102,"endTime":2037.934,"body":"website, any social media or anything"},{"speaker":"Average Joe Finances","startTime":2037.934,"endTime":2039.554,"body":"like that where people can find you?"},{"speaker":"Drew White","startTime":2039.754,"endTime":2040.234,"body":"Yes."},{"speaker":"Drew White","startTime":2040.234,"endTime":2041.194,"body":"Thank you for asking."},{"speaker":"Drew White","startTime":2041.194,"endTime":2042.664,"body":"And let me share that with the audience."},{"speaker":"Drew White","startTime":2042.704,"endTime":2047.894,"body":"So ibcdrew.com, which stands for"},{"speaker":"Drew White","startTime":2042.704,"endTime":2047.894,"body":"infinite banking concept, drew.com."},{"speaker":"Drew White","startTime":2048.044,"endTime":2049.274,"body":"They can book a call with me."},{"speaker":"Drew White","startTime":2049.424,"endTime":2051.595,"body":"There's, some resources"},{"speaker":"Drew White","startTime":2049.424,"endTime":2051.595,"body":"for more information."},{"speaker":"Drew White","startTime":2051.745,"endTime":2053.646,"body":"And then I'm really big on LinkedIn."},{"speaker":"Drew White","startTime":2053.646,"endTime":2055.806,"body":"That's where I'm mostly"},{"speaker":"Drew White","startTime":2053.646,"endTime":2055.806,"body":"active on social media."},{"speaker":"Drew White","startTime":2055.806,"endTime":2059.419,"body":"So if anybody wants to check me out"},{"speaker":"Drew White","startTime":2055.806,"endTime":2059.419,"body":"on there, we will provide the link in"},{"speaker":"Drew White","startTime":2059.419,"endTime":2062.862,"body":"the show notes, it's just basically"},{"speaker":"Drew White","startTime":2059.419,"endTime":2062.862,"body":"that LinkedIn and back slash ibcdrew."},{"speaker":"Drew White","startTime":2063.036,"endTime":2065.907,"body":"But I'd say, if you wanna book a call"},{"speaker":"Drew White","startTime":2063.036,"endTime":2065.907,"body":"with me on the website, spot to do"},{"speaker":"Drew White","startTime":2065.907,"endTime":2068.936,"body":"that and we can chat and and I tell"},{"speaker":"Drew White","startTime":2065.907,"endTime":2068.936,"body":"people too, if you have policies"},{"speaker":"Drew White","startTime":2068.936,"endTime":2069.866,"body":"and you want me to look 'em over."},{"speaker":"Drew White","startTime":2069.889,"endTime":2070.854,"body":"I help people with that too."},{"speaker":"Drew White","startTime":2070.884,"endTime":2073.902,"body":"Cuz sometimes people have"},{"speaker":"Drew White","startTime":2070.884,"endTime":2073.902,"body":"something that can already be used."},{"speaker":"Drew White","startTime":2073.952,"endTime":2075.962,"body":"And I just tell you, oh yeah,"},{"speaker":"Drew White","startTime":2073.952,"endTime":2075.962,"body":"here's how you can use that."},{"speaker":"Drew White","startTime":2075.962,"endTime":2077.241,"body":"And that's how I work with people."},{"speaker":"Drew White","startTime":2077.241,"endTime":2079.674,"body":"Insurance companies pay me,"},{"speaker":"Drew White","startTime":2077.241,"endTime":2079.674,"body":"my clients never pay me."},{"speaker":"Drew White","startTime":2079.679,"endTime":2080.868,"body":"So I'm, a free coach"},{"speaker":"Drew White","startTime":2080.868,"endTime":2081.798,"body":"."},{"speaker":"Drew White","startTime":2080.868,"endTime":2081.798,"body":"Average Joe Finances: That's fantastic."},{"speaker":"Drew White","startTime":2082.008,"endTime":2084.258,"body":"You know what, that's my favorite"},{"speaker":"Drew White","startTime":2082.008,"endTime":2084.258,"body":"price phrase, my favorite price."},{"speaker":"Drew White","startTime":2084.258,"endTime":2088.191,"body":"So for those of you that are listening"},{"speaker":"Drew White","startTime":2084.258,"endTime":2088.191,"body":"I'll make sure I have all those links in"},{"speaker":"Drew White","startTime":2088.191,"endTime":2089.832,"body":"the show notes to make it easy for you."},{"speaker":"Drew White","startTime":2089.852,"endTime":2092.652,"body":"You can just copy and paste or"},{"speaker":"Drew White","startTime":2089.852,"endTime":2092.652,"body":"click or whatever works for you."},{"speaker":"Drew White","startTime":2092.652,"endTime":2095.112,"body":"Just don't do it while you're"},{"speaker":"Drew White","startTime":2092.652,"endTime":2095.112,"body":"driving, because that probably"},{"speaker":"Drew White","startTime":2095.112,"endTime":2096.612,"body":"won't help your insurance policy."},{"speaker":"Drew White","startTime":2096.672,"endTime":2099.459,"body":"So drew, it's been an absolute pleasure."},{"speaker":"Drew White","startTime":2099.509,"endTime":2101.876,"body":"I really appreciate you coming"},{"speaker":"Drew White","startTime":2099.509,"endTime":2101.876,"body":"on and taking the time to have"},{"speaker":"Drew White","startTime":2101.876,"endTime":2103.106,"body":"this conversation with me today."},{"speaker":"Drew White","startTime":2103.406,"endTime":2103.616,"body":"Yeah."},{"speaker":"Drew White","startTime":2103.616,"endTime":2104.696,"body":"Thank you so much, Mike."},{"speaker":"Drew White","startTime":2104.701,"endTime":2105.566,"body":"I really appreciate."},{"speaker":"Average Joe Finances","startTime":2105.866,"endTime":2106.436,"body":"All right, man."},{"speaker":"Average Joe Finances","startTime":2106.436,"endTime":2107.126,"body":"Aloha."}]}