{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.2,"endTime":2.93,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":0.2,"endTime":2.93,"body":"to the Average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":2.93,"endTime":6.629,"body":"I'm your host, Mike Cavaggioni"},{"speaker":"Average Joe Finances","startTime":2.93,"endTime":6.629,"body":"and today's guest is Eunicia"},{"speaker":"Average Joe Finances","startTime":6.779,"endTime":10.399,"body":"Peret as she's the founder of"},{"speaker":"Average Joe Finances","startTime":6.779,"endTime":10.399,"body":"the empowered financial planner."},{"speaker":"Average Joe Finances","startTime":10.599,"endTime":12.205,"body":"I'm super excited to have you on the show."},{"speaker":"Average Joe Finances","startTime":12.205,"endTime":13.585,"body":"Thanks so much for joining me today."},{"speaker":"Eunicia Peret","startTime":13.785,"endTime":15.875,"body":"Thanks so much for having"},{"speaker":"Eunicia Peret","startTime":13.785,"endTime":15.875,"body":"me, Mike, it's a pleasure to be here."},{"speaker":"Average Joe Finances","startTime":16.051,"endTime":16.445,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":16.445,"endTime":19.465,"body":"So, right off the bat, the first"},{"speaker":"Average Joe Finances","startTime":16.445,"endTime":19.465,"body":"question, this is the same question I"},{"speaker":"Average Joe Finances","startTime":19.465,"endTime":22.735,"body":"ask everybody that comes on the show is"},{"speaker":"Average Joe Finances","startTime":19.465,"endTime":22.735,"body":"we wanna know a little bit about you."},{"speaker":"Average Joe Finances","startTime":22.735,"endTime":25.915,"body":"So if you could, share something"},{"speaker":"Average Joe Finances","startTime":22.735,"endTime":25.915,"body":"about yourself, share your story,"},{"speaker":"Average Joe Finances","startTime":25.915,"endTime":27.175,"body":"how did this all get started for you?"},{"speaker":"Average Joe Finances","startTime":27.355,"endTime":30.025,"body":"How did you find the"},{"speaker":"Average Joe Finances","startTime":27.355,"endTime":30.025,"body":"empowered financial planner?"},{"speaker":"Eunicia Peret","startTime":30.225,"endTime":31.275,"body":"That's a great question."},{"speaker":"Eunicia Peret","startTime":31.485,"endTime":33.525,"body":"I didn't find it, it found me."},{"speaker":"Eunicia Peret","startTime":33.725,"endTime":37.545,"body":"It found me really through the personal"},{"speaker":"Eunicia Peret","startTime":33.725,"endTime":37.545,"body":"journey that my husband and I had"},{"speaker":"Eunicia Peret","startTime":37.605,"endTime":42.122,"body":"really with our finances, our old"},{"speaker":"Eunicia Peret","startTime":37.605,"endTime":42.122,"body":"financial advisors and really our"},{"speaker":"Eunicia Peret","startTime":42.322,"endTime":46.622,"body":"overall journey to finding this thing"},{"speaker":"Eunicia Peret","startTime":42.322,"endTime":46.622,"body":"called financial empowerment, right?"},{"speaker":"Eunicia Peret","startTime":46.622,"endTime":50.755,"body":"Financial independence, whatever people"},{"speaker":"Eunicia Peret","startTime":46.622,"endTime":50.755,"body":"find designed to or desire to call it."},{"speaker":"Eunicia Peret","startTime":50.955,"endTime":55.479,"body":"And the journey really started if we"},{"speaker":"Eunicia Peret","startTime":50.955,"endTime":55.479,"body":"were to go back through my career, it"},{"speaker":"Eunicia Peret","startTime":55.484,"endTime":59.999,"body":"started back in the day when I was an"},{"speaker":"Eunicia Peret","startTime":55.484,"endTime":59.999,"body":"executive in Corporate America had done"},{"speaker":"Eunicia Peret","startTime":59.999,"endTime":64.082,"body":"everything I needed to  climb up the"},{"speaker":"Eunicia Peret","startTime":59.999,"endTime":64.082,"body":"corporate ladder exceptionally fast."},{"speaker":"Eunicia Peret","startTime":64.282,"endTime":69.322,"body":"And what I realized as that was happening"},{"speaker":"Eunicia Peret","startTime":64.282,"endTime":69.322,"body":"was that the more money I was making,"},{"speaker":"Eunicia Peret","startTime":69.322,"endTime":72.952,"body":"the more money we were making as a"},{"speaker":"Eunicia Peret","startTime":69.322,"endTime":72.952,"body":"family, the more money we were spending."},{"speaker":"Eunicia Peret","startTime":73.152,"endTime":76.692,"body":"And because of that, yes, our wealth was"},{"speaker":"Eunicia Peret","startTime":73.152,"endTime":76.692,"body":"growing, but it was not growing quite"},{"speaker":"Eunicia Peret","startTime":76.752,"endTime":81.122,"body":"the same way that perhaps we were hoping,"},{"speaker":"Eunicia Peret","startTime":76.752,"endTime":81.122,"body":"or perhaps we were even witnessing other"},{"speaker":"Eunicia Peret","startTime":81.127,"endTime":82.892,"body":"people around us growing their wealth."},{"speaker":"Eunicia Peret","startTime":83.092,"endTime":86.902,"body":"And so one of the things that happened"},{"speaker":"Eunicia Peret","startTime":83.092,"endTime":86.902,"body":"for us a few years back is we need to"},{"speaker":"Eunicia Peret","startTime":86.962,"endTime":88.792,"body":"needed to make some financial decisions."},{"speaker":"Eunicia Peret","startTime":88.992,"endTime":94.53,"body":"And when we took a pause to ask some"},{"speaker":"Eunicia Peret","startTime":88.992,"endTime":94.53,"body":"questions regarding and surrounding those"},{"speaker":"Eunicia Peret","startTime":94.53,"endTime":98.69,"body":"financial decisions, what we found out was"},{"speaker":"Eunicia Peret","startTime":94.53,"endTime":98.69,"body":"that our financial advisors, at that point"},{"speaker":"Eunicia Peret","startTime":98.69,"endTime":102.58,"body":"in time, all they really were interested"},{"speaker":"Eunicia Peret","startTime":98.69,"endTime":102.58,"body":"in doing putting us in the types of"},{"speaker":"Eunicia Peret","startTime":102.58,"endTime":106.82,"body":"vehicles, financial vehicles that they"},{"speaker":"Eunicia Peret","startTime":102.58,"endTime":106.82,"body":"were quote unquote selling because in my"},{"speaker":"Eunicia Peret","startTime":106.825,"endTime":112.589,"body":"heart and, what I did as a career for many"},{"speaker":"Eunicia Peret","startTime":106.825,"endTime":112.589,"body":"years, as a strategy consultant, I ask a"},{"speaker":"Eunicia Peret","startTime":112.589,"endTime":116.099,"body":"lot of questions and I was asking all of"},{"speaker":"Eunicia Peret","startTime":112.589,"endTime":116.099,"body":"these questions that frankly, I was not"},{"speaker":"Eunicia Peret","startTime":116.099,"endTime":120.149,"body":"getting very many answers to, or if I was"},{"speaker":"Eunicia Peret","startTime":116.099,"endTime":120.149,"body":"getting answers to the answers were always"},{"speaker":"Eunicia Peret","startTime":120.349,"endTime":122.569,"body":"wishy washy to the best of my ability."},{"speaker":"Eunicia Peret","startTime":122.769,"endTime":125.691,"body":"They were never clean and they"},{"speaker":"Eunicia Peret","startTime":122.769,"endTime":125.691,"body":"never made me feel comfortable."},{"speaker":"Eunicia Peret","startTime":125.871,"endTime":129.411,"body":"And so what I did is I started really"},{"speaker":"Eunicia Peret","startTime":125.871,"endTime":129.411,"body":"geeking out and asking more and"},{"speaker":"Eunicia Peret","startTime":129.411,"endTime":133.601,"body":"more questions, but not just asking"},{"speaker":"Eunicia Peret","startTime":129.411,"endTime":133.601,"body":"questions, figuring out not only"},{"speaker":"Eunicia Peret","startTime":133.601,"endTime":138.261,"body":"the answers, but more importantly,"},{"speaker":"Eunicia Peret","startTime":133.601,"endTime":138.261,"body":"how and why the questions and even"},{"speaker":"Eunicia Peret","startTime":138.261,"endTime":142.856,"body":"more importantly, the industry is so"},{"speaker":"Eunicia Peret","startTime":138.261,"endTime":142.856,"body":"disparate across the board, right?"},{"speaker":"Eunicia Peret","startTime":142.886,"endTime":147.126,"body":"Because if everybody sells something,"},{"speaker":"Eunicia Peret","startTime":142.886,"endTime":147.126,"body":"it means that everybody's got their"},{"speaker":"Eunicia Peret","startTime":147.131,"endTime":151.386,"body":"own unique niche and ultimately, unless"},{"speaker":"Eunicia Peret","startTime":147.131,"endTime":151.386,"body":"we have all of the products under"},{"speaker":"Eunicia Peret","startTime":151.386,"endTime":153.411,"body":"the sandwich, that's very unlikely."},{"speaker":"Eunicia Peret","startTime":153.611,"endTime":157.441,"body":"We end up missing out potentially on"},{"speaker":"Eunicia Peret","startTime":153.611,"endTime":157.441,"body":"strategies that could be helpful for us."},{"speaker":"Eunicia Peret","startTime":157.641,"endTime":160.191,"body":"So in that journey, one of the"},{"speaker":"Eunicia Peret","startTime":157.641,"endTime":160.191,"body":"things that I discovered was"},{"speaker":"Eunicia Peret","startTime":160.191,"endTime":165.461,"body":"that there are individuals in"},{"speaker":"Eunicia Peret","startTime":160.191,"endTime":165.461,"body":"general have a lot of blind spots."},{"speaker":"Eunicia Peret","startTime":165.521,"endTime":168.611,"body":"There are a lot of black holes, potholes,"},{"speaker":"Eunicia Peret","startTime":165.521,"endTime":168.611,"body":"whatever you wanna call them that"},{"speaker":"Eunicia Peret","startTime":168.811,"endTime":172.591,"body":"unless we know how to avoid them, we"},{"speaker":"Eunicia Peret","startTime":168.811,"endTime":172.591,"body":"go right through them and we may not"},{"speaker":"Eunicia Peret","startTime":172.591,"endTime":175.631,"body":"necessarily feel, the impact at the onset."},{"speaker":"Eunicia Peret","startTime":175.831,"endTime":180.225,"body":"What ends up happening is because"},{"speaker":"Eunicia Peret","startTime":175.831,"endTime":180.225,"body":"of those blind spots, potholes,"},{"speaker":"Eunicia Peret","startTime":180.225,"endTime":183.915,"body":"whatever we wanna call them, we end up"},{"speaker":"Eunicia Peret","startTime":180.225,"endTime":183.915,"body":"leaving a ton of money on the table."},{"speaker":"Eunicia Peret","startTime":184.155,"endTime":188.235,"body":"And so that's a little bit about my"},{"speaker":"Eunicia Peret","startTime":184.155,"endTime":188.235,"body":"journey and how I ended up really"},{"speaker":"Eunicia Peret","startTime":188.24,"endTime":192.38,"body":"focusing in on how do we help other"},{"speaker":"Eunicia Peret","startTime":188.24,"endTime":192.38,"body":"individuals, specifically those"},{"speaker":"Eunicia Peret","startTime":192.38,"endTime":194.233,"body":"that are earning a lot of money."},{"speaker":"Eunicia Peret","startTime":194.263,"endTime":198.539,"body":"We work with a lot of multi six and"},{"speaker":"Eunicia Peret","startTime":194.263,"endTime":198.539,"body":"seven figure earners that are leaving"},{"speaker":"Eunicia Peret","startTime":198.539,"endTime":202.679,"body":"money, a lot of money to on the table"},{"speaker":"Eunicia Peret","startTime":198.539,"endTime":202.679,"body":"to taxes, to bad investments, to poor"},{"speaker":"Eunicia Peret","startTime":202.684,"endTime":206.024,"body":"investments, and really to the lack"},{"speaker":"Eunicia Peret","startTime":202.684,"endTime":206.024,"body":"of knowledge when it comes to not"},{"speaker":"Eunicia Peret","startTime":206.029,"endTime":209.834,"body":"just risk, but also protecting fr"},{"speaker":"Eunicia Peret","startTime":206.029,"endTime":209.834,"body":"themselves from a legal standpoint."},{"speaker":"Average Joe Finances","startTime":210.034,"endTime":210.484,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":210.484,"endTime":215.468,"body":"Yeah, that is an extensive background"},{"speaker":"Average Joe Finances","startTime":210.484,"endTime":215.468,"body":"and also really awesome to see how you"},{"speaker":"Average Joe Finances","startTime":215.468,"endTime":219.578,"body":"got into where you're at right now, just"},{"speaker":"Average Joe Finances","startTime":215.468,"endTime":219.578,"body":"asking the questions that you were asking,"},{"speaker":"Average Joe Finances","startTime":219.778,"endTime":221.938,"body":"not really getting any type of answers."},{"speaker":"Average Joe Finances","startTime":222.138,"endTime":226.198,"body":"Which is funny when cause I've interviewed"},{"speaker":"Average Joe Finances","startTime":222.138,"endTime":226.198,"body":"a few people that have gone the"},{"speaker":"Average Joe Finances","startTime":226.198,"endTime":231.983,"body":"standard route and the standard way with"},{"speaker":"Average Joe Finances","startTime":226.198,"endTime":231.983,"body":"financial planners and it's funny that,"},{"speaker":"Average Joe Finances","startTime":232.133,"endTime":233.723,"body":"what's considered the standard, right?"},{"speaker":"Average Joe Finances","startTime":233.723,"endTime":238.113,"body":"The products that get sold to consumers"},{"speaker":"Average Joe Finances","startTime":233.723,"endTime":238.113,"body":"today, or investors or people that are"},{"speaker":"Average Joe Finances","startTime":238.113,"endTime":239.733,"body":"trying to save up for retirement today."},{"speaker":"Average Joe Finances","startTime":239.933,"endTime":243.949,"body":"It's so funny, if you start looking at"},{"speaker":"Average Joe Finances","startTime":239.933,"endTime":243.949,"body":"alternative investments and other ways"},{"speaker":"Average Joe Finances","startTime":243.949,"endTime":248.439,"body":"to do it, there's other avenues to get"},{"speaker":"Average Joe Finances","startTime":243.949,"endTime":248.439,"body":"you there, that your money's not locked"},{"speaker":"Average Joe Finances","startTime":248.439,"endTime":254.029,"body":"in until you're 65 years old or whatever,"},{"speaker":"Average Joe Finances","startTime":248.439,"endTime":254.029,"body":"and opportunities for it to grow even"},{"speaker":"Average Joe Finances","startTime":254.034,"endTime":256.279,"body":"more with less fees and, things like that."},{"speaker":"Average Joe Finances","startTime":256.479,"endTime":259.324,"body":"As you were talking about that,"},{"speaker":"Average Joe Finances","startTime":256.479,"endTime":259.324,"body":"I wrote down this question that I"},{"speaker":"Average Joe Finances","startTime":259.324,"endTime":263.154,"body":"wanted to ask you because, why is"},{"speaker":"Average Joe Finances","startTime":259.324,"endTime":263.154,"body":"it that the financial industry is"},{"speaker":"Average Joe Finances","startTime":263.154,"endTime":266.674,"body":"so focused on the standard products?"},{"speaker":"Eunicia Peret","startTime":266.874,"endTime":269.907,"body":"A big part of"},{"speaker":"Eunicia Peret","startTime":266.874,"endTime":269.907,"body":"it is the way that the industry"},{"speaker":"Eunicia Peret","startTime":269.937,"endTime":271.975,"body":"itself incentivizes people, right?"},{"speaker":"Eunicia Peret","startTime":272.175,"endTime":277.38,"body":"Because financial products do come with"},{"speaker":"Eunicia Peret","startTime":272.175,"endTime":277.38,"body":"a commission, oftentimes what individuals"},{"speaker":"Eunicia Peret","startTime":277.608,"endTime":282.518,"body":"and end consumers really ultimately the"},{"speaker":"Eunicia Peret","startTime":277.608,"endTime":282.518,"body":"clients don't understand is that, just"},{"speaker":"Eunicia Peret","startTime":282.718,"endTime":285.808,"body":"think of real estate that's something"},{"speaker":"Eunicia Peret","startTime":282.718,"endTime":285.808,"body":"that everybody kind of understands, right?"},{"speaker":"Eunicia Peret","startTime":285.808,"endTime":288.718,"body":"When you work with a real estate"},{"speaker":"Eunicia Peret","startTime":285.808,"endTime":288.718,"body":"agent, let's say that you might get"},{"speaker":"Eunicia Peret","startTime":288.718,"endTime":292.688,"body":"qualified for we'll use easy numbers,"},{"speaker":"Eunicia Peret","startTime":288.718,"endTime":292.688,"body":"$500,000 or a million dollars."},{"speaker":"Eunicia Peret","startTime":292.888,"endTime":296.649,"body":"But let's say that you're qualified for"},{"speaker":"Eunicia Peret","startTime":292.888,"endTime":296.649,"body":"a million dollars, easy round numbers,"},{"speaker":"Eunicia Peret","startTime":296.849,"endTime":300.555,"body":"and you go out there with your real"},{"speaker":"Eunicia Peret","startTime":296.849,"endTime":300.555,"body":"estate team and you look at a ton of"},{"speaker":"Eunicia Peret","startTime":300.555,"endTime":304.935,"body":"houses, but you're really starting in"},{"speaker":"Eunicia Peret","startTime":300.555,"endTime":304.935,"body":"that 500, $600,000 level because who"},{"speaker":"Eunicia Peret","startTime":304.935,"endTime":306.795,"body":"knows, maybe you find that gem, right?"},{"speaker":"Eunicia Peret","startTime":306.995,"endTime":310.805,"body":"And you find a house that fits your"},{"speaker":"Eunicia Peret","startTime":306.995,"endTime":310.805,"body":"needs perfectly, but maybe it's"},{"speaker":"Eunicia Peret","startTime":310.805,"endTime":317.355,"body":"650,000, maybe it's $700,000, unless"},{"speaker":"Eunicia Peret","startTime":310.805,"endTime":317.355,"body":"your real estate agent helps you make"},{"speaker":"Eunicia Peret","startTime":317.355,"endTime":321.765,"body":"the decision that's focused on what"},{"speaker":"Eunicia Peret","startTime":317.355,"endTime":321.765,"body":"you truly are most interested in, not"},{"speaker":"Eunicia Peret","startTime":321.765,"endTime":325.665,"body":"the price of the house, but really how"},{"speaker":"Eunicia Peret","startTime":321.765,"endTime":325.665,"body":"well does the house fit your needs?"},{"speaker":"Eunicia Peret","startTime":325.865,"endTime":329.395,"body":"What you as an end consumer might"},{"speaker":"Eunicia Peret","startTime":325.865,"endTime":329.395,"body":"end up being exposed to, you're"},{"speaker":"Eunicia Peret","startTime":329.395,"endTime":332.455,"body":"probably gonna end up maxing out"},{"speaker":"Eunicia Peret","startTime":329.395,"endTime":332.455,"body":"on what you were qualified for."},{"speaker":"Eunicia Peret","startTime":332.635,"endTime":335.235,"body":"You were probably gonna end up"},{"speaker":"Eunicia Peret","startTime":332.635,"endTime":335.235,"body":"with a million dollar home, even"},{"speaker":"Eunicia Peret","startTime":335.235,"endTime":339.825,"body":"though that house of $750,000 or"},{"speaker":"Eunicia Peret","startTime":335.235,"endTime":339.825,"body":"$700,000, could've been yours."},{"speaker":"Eunicia Peret","startTime":339.825,"endTime":343.175,"body":"Maybe you needed to put a little bit"},{"speaker":"Eunicia Peret","startTime":339.825,"endTime":343.175,"body":"of lipstick on it and it could've cost"},{"speaker":"Eunicia Peret","startTime":343.175,"endTime":349.295,"body":"you in all in 700,000, but you still"},{"speaker":"Eunicia Peret","startTime":343.175,"endTime":349.295,"body":"would've had $300,000 more to play with."},{"speaker":"Eunicia Peret","startTime":349.495,"endTime":352.975,"body":"It's the same thing with financial"},{"speaker":"Eunicia Peret","startTime":349.495,"endTime":352.975,"body":"services when individuals are out"},{"speaker":"Eunicia Peret","startTime":352.975,"endTime":357.235,"body":"there in financial advisors regardless"},{"speaker":"Eunicia Peret","startTime":352.975,"endTime":357.235,"body":"of whether they're traditional,"},{"speaker":"Eunicia Peret","startTime":357.235,"endTime":361.995,"body":"non-traditional financial advisors,"},{"speaker":"Eunicia Peret","startTime":357.235,"endTime":361.995,"body":"they focus on helping their clients"},{"speaker":"Eunicia Peret","startTime":361.995,"endTime":363.165,"body":"through those specific products."},{"speaker":"Eunicia Peret","startTime":363.165,"endTime":367.185,"body":"And because they're commission driven,"},{"speaker":"Eunicia Peret","startTime":363.165,"endTime":367.185,"body":"It ends up being that everybody is"},{"speaker":"Eunicia Peret","startTime":367.185,"endTime":370.815,"body":"going to be doing something a little bit"},{"speaker":"Eunicia Peret","startTime":367.185,"endTime":370.815,"body":"different, everybody's going to specialize"},{"speaker":"Eunicia Peret","startTime":370.815,"endTime":372.585,"body":"into something a little bit different."},{"speaker":"Eunicia Peret","startTime":372.585,"endTime":376.865,"body":"And oftentimes even the companies that"},{"speaker":"Eunicia Peret","startTime":372.585,"endTime":376.865,"body":"they work with are going to offer certain"},{"speaker":"Eunicia Peret","startTime":376.865,"endTime":381.555,"body":"products based on either a menu of"},{"speaker":"Eunicia Peret","startTime":376.865,"endTime":381.555,"body":"services that's redefined because that's"},{"speaker":"Eunicia Peret","startTime":381.56,"endTime":385.275,"body":"what they do as a company or a menu"},{"speaker":"Eunicia Peret","startTime":381.56,"endTime":385.275,"body":"of services that's redefined based on"},{"speaker":"Eunicia Peret","startTime":385.475,"endTime":387.935,"body":"investible assets that an individual has."},{"speaker":"Eunicia Peret","startTime":388.135,"endTime":391.615,"body":"And so just there alone, we looked"},{"speaker":"Eunicia Peret","startTime":388.135,"endTime":391.615,"body":"at a couple of major things, right?"},{"speaker":"Eunicia Peret","startTime":391.645,"endTime":396.528,"body":"How the industry's incentivized and what"},{"speaker":"Eunicia Peret","startTime":391.645,"endTime":396.528,"body":"types of financial or vehicles a lot of"},{"speaker":"Eunicia Peret","startTime":396.533,"endTime":398.733,"body":"the financial advisors have access to."},{"speaker":"Eunicia Peret","startTime":398.933,"endTime":403.283,"body":"And so, your question was more along the"},{"speaker":"Eunicia Peret","startTime":398.933,"endTime":403.283,"body":"lines of really when we're looking at"},{"speaker":"Eunicia Peret","startTime":403.283,"endTime":407.413,"body":"how financial advisors are incentivized"},{"speaker":"Eunicia Peret","startTime":403.283,"endTime":407.413,"body":"specifically, I think you, your question"},{"speaker":"Eunicia Peret","startTime":407.413,"endTime":412.098,"body":"was why is it that financial advisors will"},{"speaker":"Eunicia Peret","startTime":407.413,"endTime":412.098,"body":"be proponents of specific things, right?"},{"speaker":"Eunicia Peret","startTime":412.298,"endTime":416.378,"body":"It's because if let's say that a client"},{"speaker":"Eunicia Peret","startTime":412.298,"endTime":416.378,"body":"had talked about real estate comes in"},{"speaker":"Eunicia Peret","startTime":416.383,"endTime":420.728,"body":"and says, Hey, Eunicia, I really want"},{"speaker":"Eunicia Peret","startTime":416.383,"endTime":420.728,"body":"to understand more about real estate."},{"speaker":"Eunicia Peret","startTime":420.733,"endTime":423.538,"body":"I like, I want to have"},{"speaker":"Eunicia Peret","startTime":420.733,"endTime":423.538,"body":"a portfolio of assets."},{"speaker":"Eunicia Peret","startTime":423.738,"endTime":427.968,"body":"Most financial advisors would start"},{"speaker":"Eunicia Peret","startTime":423.738,"endTime":427.968,"body":"talking the game of the risk and the"},{"speaker":"Eunicia Peret","startTime":427.968,"endTime":429.198,"body":"different things that are associated."},{"speaker":"Eunicia Peret","startTime":429.228,"endTime":432.818,"body":"Real estate is great, but, and you"},{"speaker":"Eunicia Peret","startTime":429.228,"endTime":432.818,"body":"have this long, laundry list of buts."},{"speaker":"Eunicia Peret","startTime":433.018,"endTime":437.374,"body":"What I found in working with our clients"},{"speaker":"Eunicia Peret","startTime":433.018,"endTime":437.374,"body":"as a world strategist is that I don't want"},{"speaker":"Eunicia Peret","startTime":437.374,"endTime":441.854,"body":"to tell a client that real estate is great"},{"speaker":"Eunicia Peret","startTime":437.374,"endTime":441.854,"body":"but, and then the laundry list, right?"},{"speaker":"Eunicia Peret","startTime":441.854,"endTime":447.188,"body":"Rather the client, if the client sees"},{"speaker":"Eunicia Peret","startTime":441.854,"endTime":447.188,"body":"and believes that real estate is the best"},{"speaker":"Eunicia Peret","startTime":447.193,"endTime":452.298,"body":"and that's where their heart and mind is,"},{"speaker":"Eunicia Peret","startTime":447.193,"endTime":452.298,"body":"the question is that and becomes, how do"},{"speaker":"Eunicia Peret","startTime":452.298,"endTime":456.458,"body":"we address the needs for that specific"},{"speaker":"Eunicia Peret","startTime":452.298,"endTime":456.458,"body":"client to make sure that their money"},{"speaker":"Eunicia Peret","startTime":456.458,"endTime":460.688,"body":"still grows, the risk is managed, but"},{"speaker":"Eunicia Peret","startTime":456.458,"endTime":460.688,"body":"at the end of the day, they get to rest"},{"speaker":"Eunicia Peret","startTime":460.688,"endTime":463.928,"body":"in peace, knowing that they're building"},{"speaker":"Eunicia Peret","startTime":460.688,"endTime":463.928,"body":"wealth in a way that's meaningful to them."},{"speaker":"Eunicia Peret","startTime":464.198,"endTime":468.488,"body":"And so that was a pretty complex answer"},{"speaker":"Eunicia Peret","startTime":464.198,"endTime":468.488,"body":"to a very simple question, but the reality"},{"speaker":"Eunicia Peret","startTime":468.493,"endTime":472.108,"body":"is a lot of people don't understand the"},{"speaker":"Eunicia Peret","startTime":468.493,"endTime":472.108,"body":"complexities and because of that, they"},{"speaker":"Eunicia Peret","startTime":472.113,"endTime":476.178,"body":"fall trapped to the typical of what"},{"speaker":"Eunicia Peret","startTime":472.113,"endTime":476.178,"body":"they see out there every single day."},{"speaker":"Average Joe Finances","startTime":476.378,"endTime":477.81,"body":"No I"},{"speaker":"Average Joe Finances","startTime":476.378,"endTime":477.81,"body":"definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":478.01,"endTime":482.81,"body":"The too long didn't read version that"},{"speaker":"Average Joe Finances","startTime":478.01,"endTime":482.81,"body":"I'm getting out of that is, Hey, the"},{"speaker":"Average Joe Finances","startTime":482.81,"endTime":486.84,"body":"standard practices ,they're commission"},{"speaker":"Average Joe Finances","startTime":482.81,"endTime":486.84,"body":"based when they're selling these products,"},{"speaker":"Average Joe Finances","startTime":487.04,"endTime":490.054,"body":"it's gonna put more in their pocket by"},{"speaker":"Average Joe Finances","startTime":487.04,"endTime":490.054,"body":"sticking with what they know and what"},{"speaker":"Average Joe Finances","startTime":490.054,"endTime":494.944,"body":"they sell, versus trying to have, you"},{"speaker":"Average Joe Finances","startTime":490.054,"endTime":494.944,"body":"like look at alternatives as well now?"},{"speaker":"Average Joe Finances","startTime":495.144,"endTime":500.248,"body":"One of the things that I really appreciate"},{"speaker":"Average Joe Finances","startTime":495.144,"endTime":500.248,"body":"also about that answer is just how, in"},{"speaker":"Average Joe Finances","startTime":500.248,"endTime":501.658,"body":"depth you went into that though, right?"},{"speaker":"Average Joe Finances","startTime":501.658,"endTime":505.191,"body":"Cause it's, not just that simple,"},{"speaker":"Average Joe Finances","startTime":501.658,"endTime":505.191,"body":"there's a lot more that goes into it."},{"speaker":"Average Joe Finances","startTime":505.191,"endTime":508.282,"body":"So when you gave that description too,"},{"speaker":"Average Joe Finances","startTime":505.191,"endTime":508.282,"body":"with looking at real estate, you're"},{"speaker":"Average Joe Finances","startTime":508.282,"endTime":512.082,"body":"qualified for a million dollar home,"},{"speaker":"Average Joe Finances","startTime":508.282,"endTime":512.082,"body":"but you might find something that's"},{"speaker":"Average Joe Finances","startTime":512.082,"endTime":516.73,"body":"750 and that maybe you just need to fix"},{"speaker":"Average Joe Finances","startTime":512.082,"endTime":516.73,"body":"up and you might get talked out of it"},{"speaker":"Average Joe Finances","startTime":516.73,"endTime":521.29,"body":"because it might not be as advantageous"},{"speaker":"Average Joe Finances","startTime":516.73,"endTime":521.29,"body":"to whoever's helping you right?"},{"speaker":"Average Joe Finances","startTime":521.59,"endTime":524.35,"body":"Now at the same time I, would hope"},{"speaker":"Average Joe Finances","startTime":521.59,"endTime":524.35,"body":"that other realtors at that I'm also a"},{"speaker":"Average Joe Finances","startTime":524.355,"endTime":527.138,"body":"realtor myself, but I would hope that"},{"speaker":"Average Joe Finances","startTime":524.355,"endTime":527.138,"body":"other realtors out there upholding"},{"speaker":"Average Joe Finances","startTime":527.138,"endTime":530.455,"body":"their fiduciary responsibility"},{"speaker":"Average Joe Finances","startTime":527.138,"endTime":530.455,"body":"to their buyers because that's"},{"speaker":"Average Joe Finances","startTime":530.455,"endTime":532.206,"body":"ultimately what they should be doing."},{"speaker":"Eunicia Peret","startTime":532.446,"endTime":535.766,"body":"You and I both"},{"speaker":"Eunicia Peret","startTime":532.446,"endTime":535.766,"body":"know that's less the case than"},{"speaker":"Eunicia Peret","startTime":535.771,"endTime":537.056,"body":"we would like for it to be."},{"speaker":"Average Joe Finances","startTime":537.296,"endTime":539.126,"body":"Unfortunately,"},{"speaker":"Average Joe Finances","startTime":537.296,"endTime":539.126,"body":"that's why they need to find a good one."},{"speaker":"Average Joe Finances","startTime":539.126,"endTime":539.666,"body":"Like me."},{"speaker":"Average Joe Finances","startTime":539.716,"endTime":543.871,"body":"No,  shameless self plug, but but"},{"speaker":"Average Joe Finances","startTime":539.716,"endTime":543.871,"body":"anyway, yeah you say that, what"},{"speaker":"Average Joe Finances","startTime":543.871,"endTime":546.181,"body":"makes you different is you're"},{"speaker":"Average Joe Finances","startTime":543.871,"endTime":546.181,"body":"a wealth strategist, right?"},{"speaker":"Average Joe Finances","startTime":546.181,"endTime":551.911,"body":"So your focus more is on what is it"},{"speaker":"Average Joe Finances","startTime":546.181,"endTime":551.911,"body":"that your clients want to invest in to"},{"speaker":"Average Joe Finances","startTime":551.911,"endTime":555.751,"body":"build their wealth versus any products"},{"speaker":"Average Joe Finances","startTime":551.911,"endTime":555.751,"body":"that you're just offering yourself?"},{"speaker":"Eunicia Peret","startTime":555.951,"endTime":556.294,"body":"Correct."},{"speaker":"Average Joe Finances","startTime":556.494,"endTime":557.154,"body":"Okay, great."},{"speaker":"Average Joe Finances","startTime":557.394,"endTime":560.666,"body":"So Eunicia when I'm looking at like"},{"speaker":"Average Joe Finances","startTime":557.394,"endTime":560.666,"body":"your background and everything,"},{"speaker":"Average Joe Finances","startTime":560.666,"endTime":563.426,"body":"you have something that's called"},{"speaker":"Average Joe Finances","startTime":560.666,"endTime":563.426,"body":"the wealth freedom formula."},{"speaker":"Average Joe Finances","startTime":563.626,"endTime":565.509,"body":"So  I was curious to what that is."},{"speaker":"Average Joe Finances","startTime":565.509,"endTime":566.679,"body":"So can you share that with us?"},{"speaker":"Average Joe Finances","startTime":566.879,"endTime":568.319,"body":"What is your wealth freedom formula?"},{"speaker":"Eunicia Peret","startTime":568.519,"endTime":569.029,"body":"Absolutely."},{"speaker":"Eunicia Peret","startTime":569.029,"endTime":573.909,"body":"So the wealth freedom formula is actually"},{"speaker":"Eunicia Peret","startTime":569.029,"endTime":573.909,"body":"a hands on super, super personalized"},{"speaker":"Eunicia Peret","startTime":573.909,"endTime":577.834,"body":"consulting program and engagement that"},{"speaker":"Eunicia Peret","startTime":573.909,"endTime":577.834,"body":"we put all of our clients through."},{"speaker":"Eunicia Peret","startTime":578.034,"endTime":582.305,"body":"The reason we do that Mike is because for"},{"speaker":"Eunicia Peret","startTime":578.034,"endTime":582.305,"body":"years and years, I helped clients and the"},{"speaker":"Eunicia Peret","startTime":582.31,"endTime":586.66,"body":"best of my ability walk them through what"},{"speaker":"Eunicia Peret","startTime":582.31,"endTime":586.66,"body":"are their options, helping 'em understand"},{"speaker":"Eunicia Peret","startTime":586.66,"endTime":588.43,"body":"their own logic with money, right?"},{"speaker":"Eunicia Peret","startTime":588.53,"endTime":591.65,"body":"Cuz we were raised and had issues"},{"speaker":"Eunicia Peret","startTime":588.53,"endTime":591.65,"body":"as a kid and because of that, we"},{"speaker":"Eunicia Peret","startTime":591.65,"endTime":594.8,"body":"have financial problems, not nothing"},{"speaker":"Eunicia Peret","startTime":591.65,"endTime":594.8,"body":"like that, although that does"},{"speaker":"Eunicia Peret","startTime":594.805,"endTime":596.36,"body":"have its own meaning and benefit."},{"speaker":"Eunicia Peret","startTime":596.56,"endTime":599.65,"body":"But, when we're thinking about"},{"speaker":"Eunicia Peret","startTime":596.56,"endTime":599.65,"body":"the relationship that people have"},{"speaker":"Eunicia Peret","startTime":599.65,"endTime":602.89,"body":"with money, oftentimes they don't"},{"speaker":"Eunicia Peret","startTime":599.65,"endTime":602.89,"body":"understand what they don't understand."},{"speaker":"Eunicia Peret","startTime":602.89,"endTime":607.116,"body":"And so having spent hours and endless"},{"speaker":"Eunicia Peret","startTime":602.89,"endTime":607.116,"body":"conversations with clients, what"},{"speaker":"Eunicia Peret","startTime":607.116,"endTime":610.676,"body":"I identify was that, we needed a"},{"speaker":"Eunicia Peret","startTime":607.116,"endTime":610.676,"body":"methodology, we needed an approach"},{"speaker":"Eunicia Peret","startTime":610.946,"endTime":615.266,"body":"through which the clients are empowered"},{"speaker":"Eunicia Peret","startTime":610.946,"endTime":615.266,"body":"to understand not only what their options"},{"speaker":"Eunicia Peret","startTime":615.266,"endTime":620.096,"body":"are, but more than that even understand"},{"speaker":"Eunicia Peret","startTime":615.266,"endTime":620.096,"body":"what is it that they need the money to do."},{"speaker":"Eunicia Peret","startTime":620.196,"endTime":623.821,"body":"And what is the meaning of that"},{"speaker":"Eunicia Peret","startTime":620.196,"endTime":623.821,"body":"and  what does that look like?"},{"speaker":"Eunicia Peret","startTime":623.826,"endTime":628.049,"body":"And so the world freedom formula is"},{"speaker":"Eunicia Peret","startTime":623.826,"endTime":628.049,"body":"that methodology that helps the client"},{"speaker":"Eunicia Peret","startTime":628.049,"endTime":631.489,"body":"and helps us in our communication"},{"speaker":"Eunicia Peret","startTime":628.049,"endTime":631.489,"body":"with our clients to make sure that"},{"speaker":"Eunicia Peret","startTime":631.489,"endTime":636.339,"body":"we follow a blueprint that helps us"},{"speaker":"Eunicia Peret","startTime":631.489,"endTime":636.339,"body":"stay on track but then at every single"},{"speaker":"Eunicia Peret","startTime":636.579,"endTime":641.249,"body":"point as part of that engagement, the"},{"speaker":"Eunicia Peret","startTime":636.579,"endTime":641.249,"body":"process is customized to the individual."},{"speaker":"Eunicia Peret","startTime":641.509,"endTime":645.379,"body":"Because the question could very well be"},{"speaker":"Eunicia Peret","startTime":641.509,"endTime":645.379,"body":"the same for two or three or multiple"},{"speaker":"Eunicia Peret","startTime":645.379,"endTime":649.489,"body":"individuals, but the responses are"},{"speaker":"Eunicia Peret","startTime":645.379,"endTime":649.489,"body":"going to be very different and those"},{"speaker":"Eunicia Peret","startTime":649.489,"endTime":653.389,"body":"responses and those discussions are"},{"speaker":"Eunicia Peret","startTime":649.489,"endTime":653.389,"body":"going to lead to what I call the domino"},{"speaker":"Eunicia Peret","startTime":653.389,"endTime":657.019,"body":"effect, that's going to be vastly"},{"speaker":"Eunicia Peret","startTime":653.389,"endTime":657.019,"body":"different from one person to another."},{"speaker":"Eunicia Peret","startTime":657.019,"endTime":663.456,"body":"And so that's what we do and, all of that"},{"speaker":"Eunicia Peret","startTime":657.019,"endTime":663.456,"body":"was born as part of those big questions"},{"speaker":"Eunicia Peret","startTime":663.711,"endTime":669.855,"body":"and that seeking to find why is the"},{"speaker":"Eunicia Peret","startTime":663.711,"endTime":669.855,"body":"industry so disparate and why don't things"},{"speaker":"Eunicia Peret","startTime":669.855,"endTime":673.455,"body":"come together in such a way where we're"},{"speaker":"Eunicia Peret","startTime":669.855,"endTime":673.455,"body":"looking at the end to end picture for"},{"speaker":"Eunicia Peret","startTime":673.455,"endTime":677.752,"body":"the client and that's exactly what the"},{"speaker":"Eunicia Peret","startTime":673.455,"endTime":677.752,"body":"WFF or the world freedom formula does."},{"speaker":"Average Joe Finances","startTime":677.952,"endTime":678.582,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":678.687,"endTime":681.927,"body":"It puts control back in"},{"speaker":"Average Joe Finances","startTime":678.687,"endTime":681.927,"body":"the in the client's hands."},{"speaker":"Average Joe Finances","startTime":682.227,"endTime":686.246,"body":"It lets guide the or, not guide like"},{"speaker":"Average Joe Finances","startTime":682.227,"endTime":686.246,"body":"you help them, you help guide them"},{"speaker":"Average Joe Finances","startTime":686.246,"endTime":690.357,"body":"right to where they want to go, but"},{"speaker":"Average Joe Finances","startTime":686.246,"endTime":690.357,"body":"you help them build this roadmap of"},{"speaker":"Average Joe Finances","startTime":690.362,"endTime":692.277,"body":"a journey that they're embarking on."},{"speaker":"Average Joe Finances","startTime":692.477,"endTime":696.67,"body":"And along the way, they can figure"},{"speaker":"Average Joe Finances","startTime":692.477,"endTime":696.67,"body":"out the different pieces that work for"},{"speaker":"Average Joe Finances","startTime":696.67,"endTime":698.49,"body":"them, that makes them more comfortable."},{"speaker":"Average Joe Finances","startTime":698.49,"endTime":701.79,"body":"And that's something that I think is"},{"speaker":"Average Joe Finances","startTime":698.49,"endTime":701.79,"body":"really respectable and commendable because"},{"speaker":"Average Joe Finances","startTime":701.99,"endTime":706.27,"body":"you don't see a lot of people out there in"},{"speaker":"Average Joe Finances","startTime":701.99,"endTime":706.27,"body":"this industry that are like, Hey, we wanna"},{"speaker":"Average Joe Finances","startTime":706.275,"endTime":710.336,"body":"help you do what you wanna do, something"},{"speaker":"Average Joe Finances","startTime":706.275,"endTime":710.336,"body":"that makes you feel more comfortable"},{"speaker":"Average Joe Finances","startTime":710.536,"endTime":711.946,"body":"as you're building your wealth."},{"speaker":"Average Joe Finances","startTime":711.946,"endTime":714.297,"body":"So that's really awesome,"},{"speaker":"Average Joe Finances","startTime":711.946,"endTime":714.297,"body":"and I appreciate that."},{"speaker":"Average Joe Finances","startTime":714.497,"endTime":719.621,"body":"Now, as you've been doing this"},{"speaker":"Average Joe Finances","startTime":714.497,"endTime":719.621,"body":"throughout so it was what, 15, 15 years?"},{"speaker":"Average Joe Finances","startTime":719.721,"endTime":720.501,"body":"That you've been doing this?"},{"speaker":"Average Joe Finances","startTime":720.506,"endTime":720.781,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":720.786,"endTime":720.981,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":721.041,"endTime":722.241,"body":"Okay, fantastic."},{"speaker":"Average Joe Finances","startTime":722.441,"endTime":726.524,"body":"So as you've been doing this, what about"},{"speaker":"Average Joe Finances","startTime":722.441,"endTime":726.524,"body":"like your own personal financial journey?"},{"speaker":"Average Joe Finances","startTime":726.524,"endTime":730.594,"body":"So, when you started down this road, so"},{"speaker":"Average Joe Finances","startTime":726.524,"endTime":730.594,"body":"I know you said you were in Corporate"},{"speaker":"Average Joe Finances","startTime":730.599,"endTime":734.453,"body":"America for a little while, you climbed"},{"speaker":"Average Joe Finances","startTime":730.599,"endTime":734.453,"body":"the ladder and then you got out and you"},{"speaker":"Average Joe Finances","startTime":734.453,"endTime":738.549,"body":"started  this program, the empowered"},{"speaker":"Average Joe Finances","startTime":734.453,"endTime":738.549,"body":"financial planner, and with doing that,"},{"speaker":"Average Joe Finances","startTime":738.549,"endTime":740.739,"body":"you became your own entrepreneur, right?"},{"speaker":"Average Joe Finances","startTime":740.954,"endTime":742.389,"body":"You started off on this own journey."},{"speaker":"Average Joe Finances","startTime":742.489,"endTime":745.051,"body":"Now, did you have to build a team?"},{"speaker":"Average Joe Finances","startTime":745.251,"endTime":747.521,"body":"What else went into this"},{"speaker":"Average Joe Finances","startTime":745.251,"endTime":747.521,"body":"as you started building up?"},{"speaker":"Average Joe Finances","startTime":747.521,"endTime":750.841,"body":"Cause I know like it's gotta be very"},{"speaker":"Average Joe Finances","startTime":747.521,"endTime":750.841,"body":"uncomfortable leaving the comfort"},{"speaker":"Average Joe Finances","startTime":750.841,"endTime":755.001,"body":"zone of having that corporate"},{"speaker":"Average Joe Finances","startTime":750.841,"endTime":755.001,"body":"job, with that guaranteed paycheck"},{"speaker":"Average Joe Finances","startTime":755.001,"endTime":757.411,"body":"coming in to starting from nothing."},{"speaker":"Average Joe Finances","startTime":757.681,"endTime":758.761,"body":"So what was that like for you?"},{"speaker":"Eunicia Peret","startTime":758.961,"endTime":761.451,"body":"Actually that's"},{"speaker":"Eunicia Peret","startTime":758.961,"endTime":761.451,"body":"a very deep question, Mike."},{"speaker":"Eunicia Peret","startTime":761.591,"endTime":765.361,"body":"It was not easy, particularly because"},{"speaker":"Eunicia Peret","startTime":761.591,"endTime":765.361,"body":"at the time I left Corporate America, I"},{"speaker":"Eunicia Peret","startTime":765.366,"endTime":768.305,"body":"was actually in a very unique position."},{"speaker":"Eunicia Peret","startTime":768.505,"endTime":772.05,"body":"I was having discussions regarding"},{"speaker":"Eunicia Peret","startTime":768.505,"endTime":772.05,"body":"partnership,  joining the"},{"speaker":"Eunicia Peret","startTime":772.05,"endTime":775.59,"body":"partnership in a major consulting"},{"speaker":"Eunicia Peret","startTime":772.05,"endTime":775.59,"body":"firm, worldwide consulting firm."},{"speaker":"Eunicia Peret","startTime":775.59,"endTime":779.6,"body":"And it was actually my husband that"},{"speaker":"Eunicia Peret","startTime":775.59,"endTime":779.6,"body":"kind of brought the awareness to"},{"speaker":"Eunicia Peret","startTime":779.6,"endTime":783.22,"body":"me and said, Darling, I need you to"},{"speaker":"Eunicia Peret","startTime":779.6,"endTime":783.22,"body":"look at a list of questions, right?"},{"speaker":"Eunicia Peret","startTime":783.29,"endTime":787.665,"body":"Having seen, he was always my biggest"},{"speaker":"Eunicia Peret","startTime":783.29,"endTime":787.665,"body":"proponent when it came to my role"},{"speaker":"Eunicia Peret","startTime":787.665,"endTime":791.722,"body":"in Corporate America and, climbing"},{"speaker":"Eunicia Peret","startTime":787.665,"endTime":791.722,"body":"through the leadership ranks."},{"speaker":"Eunicia Peret","startTime":791.752,"endTime":795.712,"body":"And when he came with this list of"},{"speaker":"Eunicia Peret","startTime":791.752,"endTime":795.712,"body":"question, it was very much based in his"},{"speaker":"Eunicia Peret","startTime":795.717,"endTime":799.542,"body":"observations of what not necessarily"},{"speaker":"Eunicia Peret","startTime":795.717,"endTime":799.542,"body":"I went through, but observations"},{"speaker":"Eunicia Peret","startTime":799.542,"endTime":801.432,"body":"that he had seen me experience."},{"speaker":"Eunicia Peret","startTime":801.632,"endTime":804.362,"body":"And so it was along the lines"},{"speaker":"Eunicia Peret","startTime":801.632,"endTime":804.362,"body":"of what are you gonna do When?"},{"speaker":"Eunicia Peret","startTime":804.572,"endTime":805.922,"body":"And then there was a question."},{"speaker":"Eunicia Peret","startTime":806.122,"endTime":808.795,"body":"And I had, there are a few nos"},{"speaker":"Eunicia Peret","startTime":806.122,"endTime":808.795,"body":"and, a lot of them were really"},{"speaker":"Eunicia Peret","startTime":808.795,"endTime":813.265,"body":"based on my moral compass and what"},{"speaker":"Eunicia Peret","startTime":808.795,"endTime":813.265,"body":"I felt was right or was wrong."},{"speaker":"Eunicia Peret","startTime":813.295,"endTime":816.315,"body":"And he looked at me and he"},{"speaker":"Eunicia Peret","startTime":813.295,"endTime":816.315,"body":"said, sweetheart, 10 years"},{"speaker":"Eunicia Peret","startTime":816.315,"endTime":817.665,"body":"is a very long timeframe."},{"speaker":"Eunicia Peret","startTime":817.865,"endTime":822.5,"body":"How many career limiting moves or"},{"speaker":"Eunicia Peret","startTime":817.865,"endTime":822.5,"body":"career limiting, respectful nos do you"},{"speaker":"Eunicia Peret","startTime":822.5,"endTime":823.94,"body":"think you're gonna be able to have?"},{"speaker":"Eunicia Peret","startTime":824.14,"endTime":827.697,"body":"And and so at that point in time"},{"speaker":"Eunicia Peret","startTime":824.14,"endTime":827.697,"body":"that it was actually my husband that"},{"speaker":"Eunicia Peret","startTime":827.697,"endTime":829.917,"body":"gave me the grace of taking a break."},{"speaker":"Eunicia Peret","startTime":829.917,"endTime":834.637,"body":"He said, you need a break, you've worked"},{"speaker":"Eunicia Peret","startTime":829.917,"endTime":834.637,"body":"really hard, and you just need to make"},{"speaker":"Eunicia Peret","startTime":834.637,"endTime":837.907,"body":"sure that whatever your decision is that"},{"speaker":"Eunicia Peret","startTime":834.637,"endTime":837.907,"body":"you're gonna be comfortable with for"},{"speaker":"Eunicia Peret","startTime":837.907,"endTime":841.407,"body":"the long haul, not just comfortable,"},{"speaker":"Eunicia Peret","startTime":837.907,"endTime":841.407,"body":"but happy because you've put all of"},{"speaker":"Eunicia Peret","startTime":841.407,"endTime":842.817,"body":"this time, you've built your career."},{"speaker":"Eunicia Peret","startTime":842.817,"endTime":843.837,"body":"You were very successful."},{"speaker":"Eunicia Peret","startTime":843.837,"endTime":847.507,"body":"You were very happy, but is, the"},{"speaker":"Eunicia Peret","startTime":843.837,"endTime":847.507,"body":"happiness that has carried you until"},{"speaker":"Eunicia Peret","startTime":847.507,"endTime":849.217,"body":"now going to keep you going forward."},{"speaker":"Eunicia Peret","startTime":849.417,"endTime":853.637,"body":"And so it was at that point in"},{"speaker":"Eunicia Peret","startTime":849.417,"endTime":853.637,"body":"time, coincidentally, we had those"},{"speaker":"Eunicia Peret","startTime":853.637,"endTime":855.527,"body":"major financial questions for us."},{"speaker":"Eunicia Peret","startTime":855.727,"endTime":859.047,"body":"And so I was already a"},{"speaker":"Eunicia Peret","startTime":855.727,"endTime":859.047,"body":"multi six figure earner."},{"speaker":"Eunicia Peret","startTime":859.047,"endTime":860.937,"body":"We were doing very well as a family."},{"speaker":"Eunicia Peret","startTime":861.137,"endTime":866.027,"body":"And you can imagine when I sat down and I"},{"speaker":"Eunicia Peret","startTime":861.137,"endTime":866.027,"body":"looked at even from a taxes perspective,"},{"speaker":"Eunicia Peret","startTime":866.027,"endTime":870.147,"body":"how many hundreds of thousands of dollars"},{"speaker":"Eunicia Peret","startTime":866.027,"endTime":870.147,"body":"we had just paid in taxes because we"},{"speaker":"Eunicia Peret","startTime":870.147,"endTime":871.977,"body":"didn't know that we had alternatives."},{"speaker":"Eunicia Peret","startTime":872.177,"endTime":876.337,"body":"It was painful and it was hurtful, and"},{"speaker":"Eunicia Peret","startTime":872.177,"endTime":876.337,"body":"when I started looking at what could"},{"speaker":"Eunicia Peret","startTime":876.337,"endTime":879.837,"body":"be done, obviously at first I looked"},{"speaker":"Eunicia Peret","startTime":876.337,"endTime":879.837,"body":"at our situation, but then it very"},{"speaker":"Eunicia Peret","startTime":879.837,"endTime":883.667,"body":"quickly converted into how can I give"},{"speaker":"Eunicia Peret","startTime":879.837,"endTime":883.667,"body":"back and to answer your question about"},{"speaker":"Eunicia Peret","startTime":883.667,"endTime":887.027,"body":"my journey as a, as an entrepreneur,"},{"speaker":"Eunicia Peret","startTime":883.667,"endTime":887.027,"body":"I started out as an entrepreneur."},{"speaker":"Eunicia Peret","startTime":887.227,"endTime":890.637,"body":"I didn't know at first, if I knew"},{"speaker":"Eunicia Peret","startTime":887.227,"endTime":890.637,"body":"how to pay myself, because that"},{"speaker":"Eunicia Peret","startTime":890.637,"endTime":892.397,"body":"was never a thought in my mind."},{"speaker":"Eunicia Peret","startTime":892.397,"endTime":896.071,"body":"I had never been in that"},{"speaker":"Eunicia Peret","startTime":892.397,"endTime":896.071,"body":"realm of earning my own pay."},{"speaker":"Eunicia Peret","startTime":896.071,"endTime":896.611,"body":"Of course."},{"speaker":"Eunicia Peret","startTime":896.616,"endTime":902.401,"body":"Yes, I did earn the pay because I got the"},{"speaker":"Eunicia Peret","startTime":896.616,"endTime":902.401,"body":"salary, but how do you truly pay yourself?"},{"speaker":"Eunicia Peret","startTime":902.461,"endTime":904.381,"body":"Through your own hard work."},{"speaker":"Eunicia Peret","startTime":904.581,"endTime":907.224,"body":"You get to be the person that"},{"speaker":"Eunicia Peret","startTime":904.581,"endTime":907.224,"body":"invoices and everything else."},{"speaker":"Eunicia Peret","startTime":907.224,"endTime":910.544,"body":"And so it started out"},{"speaker":"Eunicia Peret","startTime":907.224,"endTime":910.544,"body":"by me working on my own."},{"speaker":"Eunicia Peret","startTime":910.694,"endTime":915.257,"body":"Then I got a group of very close"},{"speaker":"Eunicia Peret","startTime":910.694,"endTime":915.257,"body":"mentors that I collaborated with"},{"speaker":"Eunicia Peret","startTime":915.257,"endTime":918.447,"body":"and what I realized was that in"},{"speaker":"Eunicia Peret","startTime":915.257,"endTime":918.447,"body":"order for  me to really be able to"},{"speaker":"Eunicia Peret","startTime":918.447,"endTime":920.907,"body":"give back we needed an actual team."},{"speaker":"Eunicia Peret","startTime":920.907,"endTime":925.345,"body":"And so I just, we just started bolting on"},{"speaker":"Eunicia Peret","startTime":920.907,"endTime":925.345,"body":"different team members in different parts"},{"speaker":"Eunicia Peret","startTime":925.345,"endTime":929.415,"body":"of the organization, and we continued to"},{"speaker":"Eunicia Peret","startTime":925.345,"endTime":929.415,"body":"grow and we continue to hire and continue"},{"speaker":"Eunicia Peret","startTime":929.415,"endTime":933.755,"body":"to bring on amazing folks that can help"},{"speaker":"Eunicia Peret","startTime":929.415,"endTime":933.755,"body":"us deliver the mission that were set out"},{"speaker":"Eunicia Peret","startTime":933.755,"endTime":938.708,"body":"to deliver in terms of helping people grow"},{"speaker":"Eunicia Peret","startTime":933.755,"endTime":938.708,"body":"through their wealth optimization effort."},{"speaker":"Average Joe Finances","startTime":938.908,"endTime":939.358,"body":"I love it."},{"speaker":"Average Joe Finances","startTime":939.358,"endTime":943.108,"body":"And I love your mission too, especially"},{"speaker":"Average Joe Finances","startTime":939.358,"endTime":943.108,"body":"with just how genuine it is and, how"},{"speaker":"Average Joe Finances","startTime":943.108,"endTime":946.751,"body":"you're trying to help people invest"},{"speaker":"Average Joe Finances","startTime":943.108,"endTime":946.751,"body":"in ways that, that work for them."},{"speaker":"Average Joe Finances","startTime":946.751,"endTime":949.444,"body":"Now, there was something you had"},{"speaker":"Average Joe Finances","startTime":946.751,"endTime":949.444,"body":"mentioned and I wrote this down"},{"speaker":"Average Joe Finances","startTime":949.671,"endTime":952.772,"body":"because of the amount of taxes"},{"speaker":"Average Joe Finances","startTime":949.671,"endTime":952.772,"body":"that you said that you were paying."},{"speaker":"Average Joe Finances","startTime":952.972,"endTime":956.032,"body":"And when you start looking at some of"},{"speaker":"Average Joe Finances","startTime":952.972,"endTime":956.032,"body":"these alternative investments, such"},{"speaker":"Average Joe Finances","startTime":956.032,"endTime":960.822,"body":"as real estate, I think people don't"},{"speaker":"Average Joe Finances","startTime":956.032,"endTime":960.822,"body":"realize, besides the cash flow or"},{"speaker":"Average Joe Finances","startTime":960.827,"endTime":964.392,"body":"appreciation that you might be getting"},{"speaker":"Average Joe Finances","startTime":960.827,"endTime":964.392,"body":"from investing in these assets, there's"},{"speaker":"Average Joe Finances","startTime":964.392,"endTime":965.742,"body":"something else that you get too."},{"speaker":"Average Joe Finances","startTime":966.042,"endTime":968.2,"body":"And it's huge tax advantages."},{"speaker":"Average Joe Finances","startTime":968.2,"endTime":972.513,"body":"By being able to look at that and look at"},{"speaker":"Average Joe Finances","startTime":968.2,"endTime":972.513,"body":"it from a different scope of view, right?"},{"speaker":"Average Joe Finances","startTime":972.513,"endTime":976.389,"body":"Like you started to do, what"},{"speaker":"Average Joe Finances","startTime":972.513,"endTime":976.389,"body":"made you realize that there were"},{"speaker":"Average Joe Finances","startTime":976.394,"endTime":979.888,"body":"other options out there that can"},{"speaker":"Average Joe Finances","startTime":976.394,"endTime":979.888,"body":"actually help you in that avenue?"},{"speaker":"Eunicia Peret","startTime":980.088,"endTime":983.328,"body":"You are completely right"},{"speaker":"Eunicia Peret","startTime":980.088,"endTime":983.328,"body":"when it comes to how real estate can"},{"speaker":"Eunicia Peret","startTime":983.328,"endTime":985.758,"body":"be so helpful on the tax optimization."},{"speaker":"Eunicia Peret","startTime":985.758,"endTime":989.528,"body":"But what I realized when I started"},{"speaker":"Eunicia Peret","startTime":985.758,"endTime":989.528,"body":"really geeking out and, really"},{"speaker":"Eunicia Peret","startTime":989.528,"endTime":993.708,"body":"hanging out more  from a financial"},{"speaker":"Eunicia Peret","startTime":989.528,"endTime":993.708,"body":"strategic discussion, right?"},{"speaker":"Eunicia Peret","startTime":993.708,"endTime":998.188,"body":"Financial strategic discussions rather,"},{"speaker":"Eunicia Peret","startTime":993.708,"endTime":998.188,"body":"with individuals that were either in"},{"speaker":"Eunicia Peret","startTime":998.188,"endTime":1003.258,"body":"similar situations to mine or other"},{"speaker":"Eunicia Peret","startTime":998.188,"endTime":1003.258,"body":"professionals such as doctors, pilots,"},{"speaker":"Eunicia Peret","startTime":1003.438,"endTime":1007.278,"body":"individuals that make a lot of money"},{"speaker":"Eunicia Peret","startTime":1003.438,"endTime":1007.278,"body":"don't have time to geek out on their"},{"speaker":"Eunicia Peret","startTime":1007.278,"endTime":1008.808,"body":"own stuff, nor should they write."},{"speaker":"Eunicia Peret","startTime":1008.808,"endTime":1011.078,"body":"They have their unique areas of specialty."},{"speaker":"Eunicia Peret","startTime":1011.278,"endTime":1014.988,"body":"What I realized was that, oftentimes,"},{"speaker":"Eunicia Peret","startTime":1011.278,"endTime":1014.988,"body":"even with real estate, even"},{"speaker":"Eunicia Peret","startTime":1014.988,"endTime":1017.718,"body":"with the real estate portfolio,"},{"speaker":"Eunicia Peret","startTime":1014.988,"endTime":1017.718,"body":"people still end up leaving more"},{"speaker":"Eunicia Peret","startTime":1017.718,"endTime":1019.548,"body":"on the table than they need to."},{"speaker":"Eunicia Peret","startTime":1019.818,"endTime":1024.408,"body":"The reason for that Mike is because"},{"speaker":"Eunicia Peret","startTime":1019.818,"endTime":1024.408,"body":"they don't have a true financial"},{"speaker":"Eunicia Peret","startTime":1024.408,"endTime":1025.998,"body":"team that works for not against them."},{"speaker":"Eunicia Peret","startTime":1026.198,"endTime":1029.288,"body":"And this is not to say that our"},{"speaker":"Eunicia Peret","startTime":1026.198,"endTime":1029.288,"body":"financial teams or anybody's financial"},{"speaker":"Eunicia Peret","startTime":1029.288,"endTime":1030.728,"body":"team truly works against them."},{"speaker":"Eunicia Peret","startTime":1030.928,"endTime":1034.408,"body":"But if that financial team, if you've"},{"speaker":"Eunicia Peret","startTime":1030.928,"endTime":1034.408,"body":"got the wrong people on the bus, that"},{"speaker":"Eunicia Peret","startTime":1034.408,"endTime":1039.058,"body":"don't truly understand how the tax"},{"speaker":"Eunicia Peret","startTime":1034.408,"endTime":1039.058,"body":"code applies to you specifically,"},{"speaker":"Eunicia Peret","startTime":1039.258,"endTime":1042.468,"body":"you're gonna end up leaving more"},{"speaker":"Eunicia Peret","startTime":1039.258,"endTime":1042.468,"body":"and paying more than you should."},{"speaker":"Eunicia Peret","startTime":1042.668,"endTime":1046.788,"body":"A good example for it when it comes to"},{"speaker":"Eunicia Peret","startTime":1042.668,"endTime":1046.788,"body":"real estate, we have several clients"},{"speaker":"Eunicia Peret","startTime":1046.788,"endTime":1049.578,"body":"that when we started working with"},{"speaker":"Eunicia Peret","startTime":1046.788,"endTime":1049.578,"body":"them they had a real estate portfolio."},{"speaker":"Eunicia Peret","startTime":1049.818,"endTime":1053.288,"body":"And when we found out was that the"},{"speaker":"Eunicia Peret","startTime":1049.818,"endTime":1053.288,"body":"CAs that they were using were not"},{"speaker":"Eunicia Peret","startTime":1053.288,"endTime":1057.478,"body":"that don't necessarily understand"},{"speaker":"Eunicia Peret","startTime":1053.288,"endTime":1057.478,"body":"the intricacies of their overall"},{"speaker":"Eunicia Peret","startTime":1057.478,"endTime":1061.438,"body":"business, the intricacies of and the"},{"speaker":"Eunicia Peret","startTime":1057.478,"endTime":1061.438,"body":"delineation between the real estate"},{"speaker":"Eunicia Peret","startTime":1061.438,"endTime":1063.413,"body":"portfolio and their day to day jobs."},{"speaker":"Eunicia Peret","startTime":1063.613,"endTime":1066.993,"body":"And because of that, they"},{"speaker":"Eunicia Peret","startTime":1063.613,"endTime":1066.993,"body":"weren't optimizing the tax code."},{"speaker":"Eunicia Peret","startTime":1066.993,"endTime":1071.463,"body":"And so part of what we do, especially"},{"speaker":"Eunicia Peret","startTime":1066.993,"endTime":1071.463,"body":"with high net worth individuals, as well"},{"speaker":"Eunicia Peret","startTime":1071.468,"endTime":1076.423,"body":"as high income earners is to make sure"},{"speaker":"Eunicia Peret","startTime":1071.468,"endTime":1076.423,"body":"that the client's financial team either"},{"speaker":"Eunicia Peret","startTime":1076.423,"endTime":1080.643,"body":"comes together because we have the right"},{"speaker":"Eunicia Peret","startTime":1076.423,"endTime":1080.643,"body":"people on the bus, or the client will get"},{"speaker":"Eunicia Peret","startTime":1080.643,"endTime":1085.123,"body":"to decide when they realize maybe that"},{"speaker":"Eunicia Peret","startTime":1080.643,"endTime":1085.123,"body":"they don't have the right individuals,"},{"speaker":"Eunicia Peret","startTime":1085.363,"endTime":1089.673,"body":"they'll literally come to us and say,"},{"speaker":"Eunicia Peret","startTime":1085.363,"endTime":1089.673,"body":"okay, I think I need to speak to somebody"},{"speaker":"Eunicia Peret","startTime":1089.673,"endTime":1091.443,"body":"else who might you be able to introduce?"},{"speaker":"Eunicia Peret","startTime":1091.443,"endTime":1093.333,"body":"And that's where our team"},{"speaker":"Eunicia Peret","startTime":1091.443,"endTime":1093.333,"body":"of experts comes to bear."},{"speaker":"Eunicia Peret","startTime":1093.573,"endTime":1097.813,"body":"Those are not individuals that are on"},{"speaker":"Eunicia Peret","startTime":1093.573,"endTime":1097.813,"body":"our team necessarily directly and the"},{"speaker":"Eunicia Peret","startTime":1097.813,"endTime":1099.523,"body":"reason for that is very strategic."},{"speaker":"Eunicia Peret","startTime":1099.723,"endTime":1104.153,"body":"We want our clients to get"},{"speaker":"Eunicia Peret","startTime":1099.723,"endTime":1104.153,"body":"unbiased, firsthand and first help."},{"speaker":"Eunicia Peret","startTime":1104.153,"endTime":1108.373,"body":"And that's where we act more as the"},{"speaker":"Eunicia Peret","startTime":1104.153,"endTime":1108.373,"body":"conduit, more of as the quarterback"},{"speaker":"Eunicia Peret","startTime":1108.373,"endTime":1111.793,"body":"for our clients, so that nobody ever"},{"speaker":"Eunicia Peret","startTime":1108.373,"endTime":1111.793,"body":"feels that, Hey, I'm in a family"},{"speaker":"Eunicia Peret","startTime":1111.793,"endTime":1114.703,"body":"office and these guys are just"},{"speaker":"Eunicia Peret","startTime":1111.793,"endTime":1114.703,"body":"kind of everything that they do,"},{"speaker":"Eunicia Peret","startTime":1114.703,"endTime":1116.538,"body":"they can just executed internally."},{"speaker":"Eunicia Peret","startTime":1116.778,"endTime":1120.308,"body":"I see that as potentially being very"},{"speaker":"Eunicia Peret","startTime":1116.778,"endTime":1120.308,"body":"dangerous, because then again, it"},{"speaker":"Eunicia Peret","startTime":1120.308,"endTime":1123.998,"body":"takes us right back into what is the"},{"speaker":"Eunicia Peret","startTime":1120.308,"endTime":1123.998,"body":"menu of services and are we somehow"},{"speaker":"Eunicia Peret","startTime":1123.998,"endTime":1127.575,"body":"limited to either the knowledge or the"},{"speaker":"Eunicia Peret","startTime":1123.998,"endTime":1127.575,"body":"menu of services that we're getting"},{"speaker":"Eunicia Peret","startTime":1127.575,"endTime":1131.625,"body":"so I know it was a long, pretty"},{"speaker":"Eunicia Peret","startTime":1127.575,"endTime":1131.625,"body":"detailed answers and answer are very"},{"speaker":"Eunicia Peret","startTime":1131.625,"endTime":1137.085,"body":"multifaceted, but unfortunately this"},{"speaker":"Eunicia Peret","startTime":1131.625,"endTime":1137.085,"body":"problem of truly optimizing wealth"},{"speaker":"Eunicia Peret","startTime":1137.285,"endTime":1139.353,"body":"is not as simple as to your point."},{"speaker":"Eunicia Peret","startTime":1139.353,"endTime":1142.523,"body":"Just cut down the cost and you'll"},{"speaker":"Eunicia Peret","startTime":1139.353,"endTime":1142.523,"body":"be fine, or just buy real estate"},{"speaker":"Eunicia Peret","startTime":1142.528,"endTime":1145.223,"body":"because it'll help you minimize"},{"speaker":"Eunicia Peret","startTime":1142.528,"endTime":1145.223,"body":"your taxes and you'll be fine."},{"speaker":"Eunicia Peret","startTime":1145.223,"endTime":1146.333,"body":"I wish it was that easy."},{"speaker":"Average Joe Finances","startTime":1146.533,"endTime":1147.763,"body":"No"},{"speaker":"Average Joe Finances","startTime":1146.533,"endTime":1147.763,"body":"nothing's ever that easy."},{"speaker":"Average Joe Finances","startTime":1147.763,"endTime":1148.948,"body":"Nothing's ever that simple."},{"speaker":"Average Joe Finances","startTime":1149.148,"endTime":1150.108,"body":"I really appreciate that."},{"speaker":"Average Joe Finances","startTime":1150.108,"endTime":1152.658,"body":"And one of the things I wrote down,"},{"speaker":"Average Joe Finances","startTime":1150.108,"endTime":1152.658,"body":"like the key word that you said there,"},{"speaker":"Average Joe Finances","startTime":1152.658,"endTime":1157.224,"body":"by being able to refer these people"},{"speaker":"Average Joe Finances","startTime":1152.658,"endTime":1157.224,"body":"out to other outside entities, that"},{"speaker":"Average Joe Finances","startTime":1157.224,"endTime":1162.687,"body":"third parties is how they can get that"},{"speaker":"Average Joe Finances","startTime":1157.224,"endTime":1162.687,"body":"unbiased opinion or recommendation"},{"speaker":"Average Joe Finances","startTime":1162.887,"endTime":1164.947,"body":"that's separate from, you and your team."},{"speaker":"Average Joe Finances","startTime":1164.947,"endTime":1166.175,"body":"So that's, really awesome."},{"speaker":"Average Joe Finances","startTime":1166.375,"endTime":1169.545,"body":"Another thing I wrote down too, cuz I, one"},{"speaker":"Average Joe Finances","startTime":1166.375,"endTime":1169.545,"body":"of the things I'm really enjoying about"},{"speaker":"Average Joe Finances","startTime":1169.545,"endTime":1173.265,"body":"this conversation is you keep saying that"},{"speaker":"Average Joe Finances","startTime":1169.545,"endTime":1173.265,"body":"you're geeking out on this stuff and I"},{"speaker":"Average Joe Finances","startTime":1173.265,"endTime":1174.945,"body":"love it cuz I geek out on this stuff too."},{"speaker":"Average Joe Finances","startTime":1174.945,"endTime":1179.435,"body":"It's just, it's really fun to"},{"speaker":"Average Joe Finances","startTime":1174.945,"endTime":1179.435,"body":"just learn more and learn these"},{"speaker":"Average Joe Finances","startTime":1179.435,"endTime":1181.435,"body":"different ways to build wealth."},{"speaker":"Average Joe Finances","startTime":1181.635,"endTime":1184.585,"body":"To save on taxes and"},{"speaker":"Average Joe Finances","startTime":1181.635,"endTime":1184.585,"body":"different things like that."},{"speaker":"Average Joe Finances","startTime":1184.585,"endTime":1187.064,"body":"So I really love that you"},{"speaker":"Average Joe Finances","startTime":1184.585,"endTime":1187.064,"body":"use that term geeking out."},{"speaker":"Average Joe Finances","startTime":1187.264,"endTime":1190.241,"body":"I wanna rewind back to something"},{"speaker":"Average Joe Finances","startTime":1187.264,"endTime":1190.241,"body":"else that you said, maybe"},{"speaker":"Average Joe Finances","startTime":1190.441,"endTime":1191.761,"body":"two or three questions ago."},{"speaker":"Average Joe Finances","startTime":1192.031,"endTime":1194.261,"body":"And I, wrote this down and"},{"speaker":"Average Joe Finances","startTime":1192.031,"endTime":1194.261,"body":"I forgot  to bring this up."},{"speaker":"Average Joe Finances","startTime":1194.561,"endTime":1197.777,"body":"And that was, you had mentioned"},{"speaker":"Average Joe Finances","startTime":1194.561,"endTime":1197.777,"body":"something about having a relationship"},{"speaker":"Average Joe Finances","startTime":1197.777,"endTime":1200.935,"body":"with money, and this is something that"},{"speaker":"Average Joe Finances","startTime":1197.777,"endTime":1200.935,"body":"I brought up on this show a couple"},{"speaker":"Average Joe Finances","startTime":1200.935,"endTime":1203.415,"body":"times, I've had a couple other guests"},{"speaker":"Average Joe Finances","startTime":1200.935,"endTime":1203.415,"body":"on the show  that bring this up."},{"speaker":"Average Joe Finances","startTime":1203.615,"endTime":1206.015,"body":"And, I would, I just wanna point"},{"speaker":"Average Joe Finances","startTime":1203.615,"endTime":1206.015,"body":"out the significance of that"},{"speaker":"Average Joe Finances","startTime":1206.015,"endTime":1209.535,"body":"because a lot of people, they don't"},{"speaker":"Average Joe Finances","startTime":1206.015,"endTime":1209.535,"body":"have a relationship with money."},{"speaker":"Average Joe Finances","startTime":1209.735,"endTime":1211.595,"body":"They just think of it as a tool."},{"speaker":"Average Joe Finances","startTime":1211.625,"endTime":1211.925,"body":"Sure."},{"speaker":"Average Joe Finances","startTime":1212.125,"endTime":1213.085,"body":"It is a tool, right?"},{"speaker":"Average Joe Finances","startTime":1213.09,"endTime":1215.035,"body":"It is a tool that you can"},{"speaker":"Average Joe Finances","startTime":1213.09,"endTime":1215.035,"body":"use to help build wealth."},{"speaker":"Average Joe Finances","startTime":1215.235,"endTime":1217.036,"body":", but what is your relationship with money?"},{"speaker":"Average Joe Finances","startTime":1217.31,"endTime":1219.8,"body":"So it's, just like having a"},{"speaker":"Average Joe Finances","startTime":1217.31,"endTime":1219.8,"body":"relationship with a person."},{"speaker":"Average Joe Finances","startTime":1220.04,"endTime":1223.9,"body":"If it's toxic, it's not gonna work out"},{"speaker":"Average Joe Finances","startTime":1220.04,"endTime":1223.9,"body":"that well, you're probably just gonna"},{"speaker":"Average Joe Finances","startTime":1223.9,"endTime":1226.84,"body":"see your money walking out the door,"},{"speaker":"Average Joe Finances","startTime":1223.9,"endTime":1226.84,"body":"but if you have a good relationship"},{"speaker":"Average Joe Finances","startTime":1226.84,"endTime":1230.7,"body":"with money, you can, Hey money,"},{"speaker":"Average Joe Finances","startTime":1226.84,"endTime":1230.7,"body":"come on board, let's work together."},{"speaker":"Average Joe Finances","startTime":1230.85,"endTime":1232.854,"body":"Let's get you employed"},{"speaker":"Average Joe Finances","startTime":1230.85,"endTime":1232.854,"body":"to make more of you."},{"speaker":"Average Joe Finances","startTime":1233.054,"endTime":1235.641,"body":"So I, think I just wanna point"},{"speaker":"Average Joe Finances","startTime":1233.054,"endTime":1235.641,"body":"that out because that's something."},{"speaker":"Average Joe Finances","startTime":1235.901,"endTime":1241.103,"body":"Key words that you say that make me"},{"speaker":"Average Joe Finances","startTime":1235.901,"endTime":1241.103,"body":"really smile on the inside, but also okay."},{"speaker":"Average Joe Finances","startTime":1241.303,"endTime":1243.073,"body":"She's genuine, she's a genuine person."},{"speaker":"Average Joe Finances","startTime":1243.073,"endTime":1245.143,"body":"So I just wanna say, I"},{"speaker":"Average Joe Finances","startTime":1243.073,"endTime":1245.143,"body":"really appreciate that."},{"speaker":"Average Joe Finances","startTime":1245.143,"endTime":1248.773,"body":"Now, speaking of being genuine and"},{"speaker":"Average Joe Finances","startTime":1245.143,"endTime":1248.773,"body":"enjoying what we're talking about,"},{"speaker":"Average Joe Finances","startTime":1249.013,"endTime":1251.203,"body":"you've been doing this for over 15 years."},{"speaker":"Average Joe Finances","startTime":1251.203,"endTime":1255.189,"body":"You've been helping multiple people"},{"speaker":"Average Joe Finances","startTime":1251.203,"endTime":1255.189,"body":"with building their wealth and just"},{"speaker":"Average Joe Finances","startTime":1255.189,"endTime":1258.549,"body":"building different wealth strategies,"},{"speaker":"Average Joe Finances","startTime":1255.189,"endTime":1258.549,"body":"helping them build their blueprints and"},{"speaker":"Average Joe Finances","startTime":1258.549,"endTime":1261.989,"body":"work on that relationship with money,"},{"speaker":"Average Joe Finances","startTime":1258.549,"endTime":1261.989,"body":"what would you say is the thing that"},{"speaker":"Average Joe Finances","startTime":1261.989,"endTime":1264.049,"body":"you enjoy the most about what you do?"},{"speaker":"Eunicia Peret","startTime":1264.199,"endTime":1266.059,"body":"At the end of"},{"speaker":"Eunicia Peret","startTime":1264.199,"endTime":1266.059,"body":"the day it's seeing the value"},{"speaker":"Eunicia Peret","startTime":1266.059,"endTime":1267.769,"body":"that we deliver to our clients."},{"speaker":"Eunicia Peret","startTime":1267.859,"endTime":1271.929,"body":"And going back to the 15 years that"},{"speaker":"Eunicia Peret","startTime":1267.859,"endTime":1271.929,"body":"you were mentioning, it's actually"},{"speaker":"Eunicia Peret","startTime":1272.079,"endTime":1277.199,"body":"even part of that 15 years for our"},{"speaker":"Eunicia Peret","startTime":1272.079,"endTime":1277.199,"body":"listeners to understand was rooted in"},{"speaker":"Eunicia Peret","startTime":1277.199,"endTime":1280.669,"body":"helping large fortune 500 organizations."},{"speaker":"Eunicia Peret","startTime":1280.869,"endTime":1283.479,"body":"Just listen to this, do"},{"speaker":"Eunicia Peret","startTime":1280.869,"endTime":1283.479,"body":"more with less, right?"},{"speaker":"Eunicia Peret","startTime":1283.479,"endTime":1287.379,"body":"How can we do more with fewer"},{"speaker":"Eunicia Peret","startTime":1283.479,"endTime":1287.379,"body":"people with better processes"},{"speaker":"Eunicia Peret","startTime":1287.379,"endTime":1288.779,"body":"with increasing our bottom?"},{"speaker":"Eunicia Peret","startTime":1288.979,"endTime":1294.151,"body":"And one of the biggest, ahas and"},{"speaker":"Eunicia Peret","startTime":1288.979,"endTime":1294.151,"body":"the biggest rewards that I ever got"},{"speaker":"Eunicia Peret","startTime":1294.151,"endTime":1299.701,"body":"personally was to see that we can deliver"},{"speaker":"Eunicia Peret","startTime":1294.151,"endTime":1299.701,"body":"the value to the clients oftentimes."},{"speaker":"Eunicia Peret","startTime":1299.901,"endTime":1303.321,"body":"Yeah, doing more with less but not"},{"speaker":"Eunicia Peret","startTime":1299.901,"endTime":1303.321,"body":"focusing on how do we fire people,"},{"speaker":"Eunicia Peret","startTime":1303.561,"endTime":1307.811,"body":"but rather how do we reengineer what"},{"speaker":"Eunicia Peret","startTime":1303.561,"endTime":1307.811,"body":"the client already has and focus"},{"speaker":"Eunicia Peret","startTime":1307.811,"endTime":1309.611,"body":"on bettering that organization."},{"speaker":"Eunicia Peret","startTime":1309.821,"endTime":1311.511,"body":"It's the same thing"},{"speaker":"Eunicia Peret","startTime":1309.821,"endTime":1311.511,"body":"when it comes to money."},{"speaker":"Eunicia Peret","startTime":1311.711,"endTime":1314.965,"body":"Just like I said earlier, it doesn't"},{"speaker":"Eunicia Peret","startTime":1311.711,"endTime":1314.965,"body":"mean that if you have a financial team,"},{"speaker":"Eunicia Peret","startTime":1314.965,"endTime":1318.145,"body":"which said, they just say most people"},{"speaker":"Eunicia Peret","startTime":1314.965,"endTime":1318.145,"body":"don't truly have a financial team."},{"speaker":"Eunicia Peret","startTime":1318.345,"endTime":1321.075,"body":"If it even exists, it doesn't"},{"speaker":"Eunicia Peret","startTime":1318.345,"endTime":1321.075,"body":"mean that we have to scrap it."},{"speaker":"Eunicia Peret","startTime":1321.275,"endTime":1325.145,"body":"But it does mean that we can bring"},{"speaker":"Eunicia Peret","startTime":1321.275,"endTime":1325.145,"body":"those people up to speed on what else"},{"speaker":"Eunicia Peret","startTime":1325.145,"endTime":1329.319,"body":"are we missing out by infusing the"},{"speaker":"Eunicia Peret","startTime":1325.145,"endTime":1329.319,"body":"situation with thought leadership with,"},{"speaker":"Eunicia Peret","startTime":1329.379,"endTime":1333.209,"body":"new leading practices, with leading"},{"speaker":"Eunicia Peret","startTime":1329.379,"endTime":1333.209,"body":"practices that may be using your favorite"},{"speaker":"Eunicia Peret","startTime":1333.214,"endTime":1335.129,"body":"word, they didn't geek out on, right?"},{"speaker":"Eunicia Peret","startTime":1335.129,"endTime":1338.279,"body":"Because they're, doing what they're"},{"speaker":"Eunicia Peret","startTime":1335.129,"endTime":1338.279,"body":"supposed to be doing every single day."},{"speaker":"Eunicia Peret","startTime":1338.479,"endTime":1341.449,"body":"It's our job to geek out because that's"},{"speaker":"Eunicia Peret","startTime":1338.479,"endTime":1341.449,"body":"what we do and that's what I love"},{"speaker":"Eunicia Peret","startTime":1341.449,"endTime":1345.533,"body":"doing, but it's that it's seeing the"},{"speaker":"Eunicia Peret","startTime":1341.449,"endTime":1345.533,"body":"results and it's seeing the, fact that"},{"speaker":"Eunicia Peret","startTime":1345.533,"endTime":1350.89,"body":"we do have an impact and that what we"},{"speaker":"Eunicia Peret","startTime":1345.533,"endTime":1350.89,"body":"deliver to clients is hardcore results."},{"speaker":"Eunicia Peret","startTime":1350.95,"endTime":1354.97,"body":"Hardcore increases to their bottom"},{"speaker":"Eunicia Peret","startTime":1350.95,"endTime":1354.97,"body":"line by minimizing taxes, by"},{"speaker":"Eunicia Peret","startTime":1354.975,"endTime":1358.638,"body":"optimizing the way that they invest"},{"speaker":"Eunicia Peret","startTime":1354.975,"endTime":1358.638,"body":"money and by many cases, minimizing"},{"speaker":"Eunicia Peret","startTime":1358.638,"endTime":1360.648,"body":"risk, even from a legal standpoint."},{"speaker":"Average Joe Finances","startTime":1360.848,"endTime":1361.628,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":1361.633,"endTime":1362.558,"body":"Absolutely love that."},{"speaker":"Average Joe Finances","startTime":1362.858,"endTime":1366.835,"body":"So as again, there was another, key word"},{"speaker":"Average Joe Finances","startTime":1362.858,"endTime":1366.835,"body":"that you said too is how you're adding."},{"speaker":"Average Joe Finances","startTime":1367.035,"endTime":1369.988,"body":"And being able to add value to these"},{"speaker":"Average Joe Finances","startTime":1367.035,"endTime":1369.988,"body":"different companies and the different"},{"speaker":"Average Joe Finances","startTime":1369.988,"endTime":1373.465,"body":"people that you work with, that's huge"},{"speaker":"Average Joe Finances","startTime":1369.988,"endTime":1373.465,"body":"because being able to do more with"},{"speaker":"Average Joe Finances","startTime":1373.465,"endTime":1377.122,"body":"less and actually with me being in"},{"speaker":"Average Joe Finances","startTime":1373.465,"endTime":1377.122,"body":"the military for over 20 years, that's"},{"speaker":"Average Joe Finances","startTime":1377.322,"endTime":1380.689,"body":"that's one of the things that was always"},{"speaker":"Average Joe Finances","startTime":1377.322,"endTime":1380.689,"body":"a big thing, is do more with less."},{"speaker":"Average Joe Finances","startTime":1380.689,"endTime":1383.318,"body":"And we always had to figure"},{"speaker":"Average Joe Finances","startTime":1380.689,"endTime":1383.318,"body":"out how to make that work."},{"speaker":"Average Joe Finances","startTime":1383.518,"endTime":1387.212,"body":"But having somebody be able to"},{"speaker":"Average Joe Finances","startTime":1383.518,"endTime":1387.212,"body":"guide you as you do, that's huge."},{"speaker":"Average Joe Finances","startTime":1387.412,"endTime":1389.155,"body":"And, you don't really see that too often."},{"speaker":"Average Joe Finances","startTime":1389.365,"endTime":1392.095,"body":"It's just pretty much a, Hey,"},{"speaker":"Average Joe Finances","startTime":1389.365,"endTime":1392.095,"body":"suck it up and figure it out."},{"speaker":"Average Joe Finances","startTime":1392.365,"endTime":1396.285,"body":"So the fact that you can help guide"},{"speaker":"Average Joe Finances","startTime":1392.365,"endTime":1396.285,"body":"people and guide these companies"},{"speaker":"Average Joe Finances","startTime":1396.285,"endTime":1398.707,"body":"through that pathway, is very awesome."},{"speaker":"Average Joe Finances","startTime":1398.907,"endTime":1403.784,"body":"Now I wanna go back to you, personally"},{"speaker":"Average Joe Finances","startTime":1398.907,"endTime":1403.784,"body":"a little bit with what it is that you're"},{"speaker":"Average Joe Finances","startTime":1403.784,"endTime":1408.27,"body":"doing for yourself and, your family"},{"speaker":"Average Joe Finances","startTime":1403.784,"endTime":1408.27,"body":"in your own financial freedom journey."},{"speaker":"Average Joe Finances","startTime":1408.47,"endTime":1411.955,"body":"So I just wanna ask you what, kind of"},{"speaker":"Average Joe Finances","startTime":1408.47,"endTime":1411.955,"body":"asset classes do you currently invest in."},{"speaker":"Eunicia Peret","startTime":1412.155,"endTime":1413.895,"body":"It just really"},{"speaker":"Eunicia Peret","startTime":1412.155,"endTime":1413.895,"body":"varies across the board."},{"speaker":"Eunicia Peret","startTime":1413.925,"endTime":1417.509,"body":"There's everything from the"},{"speaker":"Eunicia Peret","startTime":1413.925,"endTime":1417.509,"body":"traditional financial vehicles"},{"speaker":"Eunicia Peret","startTime":1417.509,"endTime":1422.449,"body":"to the non-traditional financial"},{"speaker":"Eunicia Peret","startTime":1417.509,"endTime":1422.449,"body":"products to non-financial anything."},{"speaker":"Eunicia Peret","startTime":1422.649,"endTime":1426.907,"body":"Think of real estate, think of"},{"speaker":"Eunicia Peret","startTime":1422.649,"endTime":1426.907,"body":"non-traditional investments in terms of"},{"speaker":"Eunicia Peret","startTime":1427.107,"endTime":1431.239,"body":"different projects and different things"},{"speaker":"Eunicia Peret","startTime":1427.107,"endTime":1431.239,"body":"where we see that there's an opportunity"},{"speaker":"Eunicia Peret","startTime":1431.239,"endTime":1437.069,"body":"to not just make money, but be the voice"},{"speaker":"Eunicia Peret","startTime":1431.239,"endTime":1437.069,"body":"of reason behind some amazing initiatives."},{"speaker":"Eunicia Peret","startTime":1437.269,"endTime":1441.194,"body":"And we do all of that just like"},{"speaker":"Eunicia Peret","startTime":1437.269,"endTime":1441.194,"body":"we do with our clients in a matter"},{"speaker":"Eunicia Peret","startTime":1441.194,"endTime":1442.634,"body":"in which it feels comfortable."},{"speaker":"Eunicia Peret","startTime":1442.664,"endTime":1445.394,"body":"If it doesn't feel comfortable, I'll"},{"speaker":"Eunicia Peret","startTime":1442.664,"endTime":1445.394,"body":"tell just like I tell my clients,"},{"speaker":"Eunicia Peret","startTime":1445.394,"endTime":1448.334,"body":"there are certain things for example,"},{"speaker":"Eunicia Peret","startTime":1445.394,"endTime":1448.334,"body":"the market, there are specific things"},{"speaker":"Eunicia Peret","startTime":1448.339,"endTime":1451.744,"body":"that I just can't stand about the"},{"speaker":"Eunicia Peret","startTime":1448.339,"endTime":1451.744,"body":"market not because it's what it is,"},{"speaker":"Eunicia Peret","startTime":1451.744,"endTime":1455.994,"body":"but because it is what it is, it's"},{"speaker":"Eunicia Peret","startTime":1451.744,"endTime":1455.994,"body":"because I cannot deal with the losses."},{"speaker":"Eunicia Peret","startTime":1455.994,"endTime":1460.734,"body":"And so some of our products in that"},{"speaker":"Eunicia Peret","startTime":1455.994,"endTime":1460.734,"body":"arena are really more there for"},{"speaker":"Eunicia Peret","startTime":1460.734,"endTime":1464.454,"body":"us to sense what's happening with"},{"speaker":"Eunicia Peret","startTime":1460.734,"endTime":1464.454,"body":"the market, because I need that."},{"speaker":"Eunicia Peret","startTime":1464.689,"endTime":1465.864,"body":"And, because of what I do."},{"speaker":"Eunicia Peret","startTime":1466.064,"endTime":1469.964,"body":"But outside of that, I cannot stomach"},{"speaker":"Eunicia Peret","startTime":1466.064,"endTime":1469.964,"body":"losses, I don't like seeing major"},{"speaker":"Eunicia Peret","startTime":1470.054,"endTime":1473.244,"body":"losses just to see major gains"},{"speaker":"Eunicia Peret","startTime":1470.054,"endTime":1473.244,"body":"because at the end of the day what I"},{"speaker":"Eunicia Peret","startTime":1473.249,"endTime":1477.164,"body":"know is that they even out and so I"},{"speaker":"Eunicia Peret","startTime":1473.249,"endTime":1477.164,"body":"don't need a roller coaster to live"},{"speaker":"Eunicia Peret","startTime":1477.164,"endTime":1479.174,"body":"on for every single day of my life."},{"speaker":"Eunicia Peret","startTime":1479.174,"endTime":1483.734,"body":"If I needed a roller coaster, six flags"},{"speaker":"Eunicia Peret","startTime":1479.174,"endTime":1483.734,"body":"is a pretty good place to to scratch"},{"speaker":"Eunicia Peret","startTime":1483.764,"endTime":1485.144,"body":"that edge during the summertime."},{"speaker":"Average Joe Finances","startTime":1485.344,"endTime":1486.094,"body":"Yeah, for sure."},{"speaker":"Average Joe Finances","startTime":1486.274,"endTime":1489.054,"body":"No I appreciate that answer"},{"speaker":"Average Joe Finances","startTime":1486.274,"endTime":1489.054,"body":"because it's the same thing for me."},{"speaker":"Average Joe Finances","startTime":1489.254,"endTime":1491.144,"body":"I focus mostly on real estate."},{"speaker":"Average Joe Finances","startTime":1491.344,"endTime":1494.784,"body":"I do invest in a whole bunch of other"},{"speaker":"Average Joe Finances","startTime":1491.344,"endTime":1494.784,"body":"different products, but real estate for"},{"speaker":"Average Joe Finances","startTime":1494.784,"endTime":1497.874,"body":"me has always been the bread and butter"},{"speaker":"Average Joe Finances","startTime":1494.784,"endTime":1497.874,"body":"because it's always been very steady."},{"speaker":"Average Joe Finances","startTime":1498.074,"endTime":1501.504,"body":"Whereas as you said the market"},{"speaker":"Average Joe Finances","startTime":1498.074,"endTime":1501.504,"body":"can be a roller coaster."},{"speaker":"Average Joe Finances","startTime":1501.704,"endTime":1502.728,"body":"These, ups and downs."},{"speaker":"Average Joe Finances","startTime":1502.728,"endTime":1505.748,"body":"And so I do have some small"},{"speaker":"Average Joe Finances","startTime":1502.728,"endTime":1505.748,"body":"positions in the market when I"},{"speaker":"Average Joe Finances","startTime":1505.748,"endTime":1508.984,"body":"look at that every now and then,"},{"speaker":"Average Joe Finances","startTime":1505.748,"endTime":1508.984,"body":"so that's one thing I refuse to do."},{"speaker":"Average Joe Finances","startTime":1508.984,"endTime":1511.654,"body":"I will not look at my investment"},{"speaker":"Average Joe Finances","startTime":1508.984,"endTime":1511.654,"body":"portfolio, like every day, like"},{"speaker":"Average Joe Finances","startTime":1511.654,"endTime":1515.274,"body":"some people do, because I would just"},{"speaker":"Average Joe Finances","startTime":1511.654,"endTime":1515.274,"body":"lose my mind, but maybe about once"},{"speaker":"Average Joe Finances","startTime":1515.274,"endTime":1518.189,"body":"or twice a week, I'll just pull it"},{"speaker":"Average Joe Finances","startTime":1515.274,"endTime":1518.189,"body":"up, see what's going on and say, Eh,"},{"speaker":"Average Joe Finances","startTime":1518.389,"endTime":1519.799,"body":"not looking at that until next week."},{"speaker":"Average Joe Finances","startTime":1520.039,"endTime":1522.049,"body":"So yeah, definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1522.249,"endTime":1526.623,"body":"Now, I wanna kind of transition this into"},{"speaker":"Average Joe Finances","startTime":1522.249,"endTime":1526.623,"body":"something that we started doing called"},{"speaker":"Average Joe Finances","startTime":1526.623,"endTime":1531.637,"body":"the final round and it's four kind of"},{"speaker":"Average Joe Finances","startTime":1526.623,"endTime":1531.637,"body":"hard hitting questions  that I think will"},{"speaker":"Average Joe Finances","startTime":1531.637,"endTime":1536.087,"body":"really pull out some good information"},{"speaker":"Average Joe Finances","startTime":1531.637,"endTime":1536.087,"body":"from what it is that you're doing."},{"speaker":"Average Joe Finances","startTime":1536.087,"endTime":1538.187,"body":"And just some of the trials"},{"speaker":"Average Joe Finances","startTime":1536.087,"endTime":1538.187,"body":"and tribulations that you've"},{"speaker":"Average Joe Finances","startTime":1538.187,"endTime":1542.168,"body":"faced in your own journey and"},{"speaker":"Average Joe Finances","startTime":1538.187,"endTime":1542.168,"body":"building up your company as well."},{"speaker":"Average Joe Finances","startTime":1542.368,"endTime":1544.948,"body":"So if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":1542.368,"endTime":1544.948,"body":"we'll get that party started."},{"speaker":"Eunicia Peret","startTime":1545.148,"endTime":1546.618,"body":"Let's"},{"speaker":"Eunicia Peret","startTime":1545.148,"endTime":1546.618,"body":"get the party started."},{"speaker":"Average Joe Finances","startTime":1546.818,"endTime":1548.288,"body":"All right"},{"speaker":"Average Joe Finances","startTime":1546.818,"endTime":1548.288,"body":"Eunicia, I appreciate that."},{"speaker":"Average Joe Finances","startTime":1548.528,"endTime":1553.018,"body":"So the first question is what's the"},{"speaker":"Average Joe Finances","startTime":1548.528,"endTime":1553.018,"body":"biggest mistake you've ever made."},{"speaker":"Eunicia Peret","startTime":1553.218,"endTime":1556.138,"body":"The biggest"},{"speaker":"Eunicia Peret","startTime":1553.218,"endTime":1556.138,"body":"mistake I've ever made was not"},{"speaker":"Eunicia Peret","startTime":1556.138,"endTime":1557.506,"body":"listening to my gut instinct."},{"speaker":"Eunicia Peret","startTime":1557.606,"endTime":1561.346,"body":"Time and this is the guiding point"},{"speaker":"Eunicia Peret","startTime":1557.606,"endTime":1561.346,"body":"that I give my clients and anybody"},{"speaker":"Eunicia Peret","startTime":1561.346,"endTime":1565.156,"body":"that I talk to anytime when your"},{"speaker":"Eunicia Peret","startTime":1561.346,"endTime":1565.156,"body":"gut tells you or guides you into a"},{"speaker":"Eunicia Peret","startTime":1565.156,"endTime":1566.686,"body":"specific direction, listen to it."},{"speaker":"Eunicia Peret","startTime":1566.686,"endTime":1569.916,"body":"Obviously ask questions"},{"speaker":"Eunicia Peret","startTime":1566.686,"endTime":1569.916,"body":"but follow your instincts."},{"speaker":"Eunicia Peret","startTime":1569.916,"endTime":1573.804,"body":"Your instincts are generally rooted"},{"speaker":"Eunicia Peret","startTime":1569.916,"endTime":1573.804,"body":"like the relationship with money, right?"},{"speaker":"Eunicia Peret","startTime":1573.804,"endTime":1577.284,"body":"The rooted in past experiences,"},{"speaker":"Eunicia Peret","startTime":1573.804,"endTime":1577.284,"body":"the rooted in things that you can't"},{"speaker":"Eunicia Peret","startTime":1577.284,"endTime":1579.234,"body":"necessarily understand or articulate."},{"speaker":"Eunicia Peret","startTime":1579.434,"endTime":1582.585,"body":"And for me, the biggest mistakes"},{"speaker":"Eunicia Peret","startTime":1579.434,"endTime":1582.585,"body":"have always been associated with"},{"speaker":"Eunicia Peret","startTime":1582.585,"endTime":1583.935,"body":"not listening to my instincts."},{"speaker":"Average Joe Finances","startTime":1584.135,"endTime":1584.345,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1584.611,"endTime":1585.365,"body":"That's very fair."},{"speaker":"Average Joe Finances","startTime":1585.395,"endTime":1586.095,"body":"That's very fair."},{"speaker":"Average Joe Finances","startTime":1586.295,"endTime":1589.745,"body":"I've even experienced that myself"},{"speaker":"Average Joe Finances","startTime":1586.295,"endTime":1589.745,"body":"too, even in a real estate deal that I"},{"speaker":"Average Joe Finances","startTime":1589.745,"endTime":1594.555,"body":"purchased one time where I didn't listen"},{"speaker":"Average Joe Finances","startTime":1589.745,"endTime":1594.555,"body":"to my gut and I got punched in my gut for"},{"speaker":"Average Joe Finances","startTime":1594.555,"endTime":1596.319,"body":"not listening to it, so that's for sure."},{"speaker":"Average Joe Finances","startTime":1596.519,"endTime":1599.089,"body":"People are a lot more intuitive"},{"speaker":"Average Joe Finances","startTime":1596.519,"endTime":1599.089,"body":"than they think they are."},{"speaker":"Average Joe Finances","startTime":1599.089,"endTime":1602.917,"body":"And if you can really focus on"},{"speaker":"Average Joe Finances","startTime":1599.089,"endTime":1602.917,"body":"your instincts, like you said"},{"speaker":"Average Joe Finances","startTime":1603.117,"endTime":1604.18,"body":"it can make a big difference."},{"speaker":"Average Joe Finances","startTime":1604.38,"endTime":1607.349,"body":"We don't know what we don't know,"},{"speaker":"Average Joe Finances","startTime":1604.38,"endTime":1607.349,"body":"but we do know what we do know."},{"speaker":"Average Joe Finances","startTime":1607.549,"endTime":1611.256,"body":"In the back of your head, if something's"},{"speaker":"Average Joe Finances","startTime":1607.549,"endTime":1611.256,"body":"telling you this doesn't smell this"},{"speaker":"Average Joe Finances","startTime":1611.256,"endTime":1614.446,"body":"doesn't feel right, it's probably"},{"speaker":"Average Joe Finances","startTime":1611.256,"endTime":1614.446,"body":"because there's some knowledge that"},{"speaker":"Average Joe Finances","startTime":1614.446,"endTime":1617.806,"body":"you have back there that you're tapping"},{"speaker":"Average Joe Finances","startTime":1614.446,"endTime":1617.806,"body":"into that you're maybe just not seeing"},{"speaker":"Average Joe Finances","startTime":1617.806,"endTime":1621.406,"body":"it right now, but your body is telling"},{"speaker":"Average Joe Finances","startTime":1617.806,"endTime":1621.406,"body":"you, Hey, This is not the right move."},{"speaker":"Average Joe Finances","startTime":1621.406,"endTime":1623.408,"body":"So definitely appreciate that perspective."},{"speaker":"Average Joe Finances","startTime":1623.608,"endTime":1626.806,"body":"Now the next couple questions"},{"speaker":"Average Joe Finances","startTime":1623.608,"endTime":1626.806,"body":"all tie into this as well."},{"speaker":"Average Joe Finances","startTime":1627.006,"endTime":1630.666,"body":"So the next question is what is"},{"speaker":"Average Joe Finances","startTime":1627.006,"endTime":1630.666,"body":"something that you've learned that you"},{"speaker":"Average Joe Finances","startTime":1630.666,"endTime":1632.436,"body":"wish you knew when you first started"},{"speaker":"Eunicia Peret","startTime":1632.636,"endTime":1633.506,"body":"invest in yourself?"},{"speaker":"Eunicia Peret","startTime":1633.706,"endTime":1638.687,"body":"I wish that, especially for if we have"},{"speaker":"Eunicia Peret","startTime":1633.706,"endTime":1638.687,"body":"any individuals that are leaders in the"},{"speaker":"Eunicia Peret","startTime":1638.687,"endTime":1642.497,"body":"corporate world or you work for somebody"},{"speaker":"Eunicia Peret","startTime":1638.687,"endTime":1642.497,"body":"else, or even if you're a business owner"},{"speaker":"Eunicia Peret","startTime":1642.497,"endTime":1646.517,"body":"and you found success by doing the hard"},{"speaker":"Eunicia Peret","startTime":1642.497,"endTime":1646.517,"body":"work, investing in yourself and the"},{"speaker":"Eunicia Peret","startTime":1646.517,"endTime":1651.685,"body":"knowledge in the strategic guidance"},{"speaker":"Eunicia Peret","startTime":1646.517,"endTime":1651.685,"body":"and support from experts is huge."},{"speaker":"Eunicia Peret","startTime":1651.885,"endTime":1653.819,"body":"Give an example of how far I've come."},{"speaker":"Eunicia Peret","startTime":1653.849,"endTime":1657.359,"body":"When I first left Corporate America, I"},{"speaker":"Eunicia Peret","startTime":1653.849,"endTime":1657.359,"body":"didn't even know that there's the notion."},{"speaker":"Eunicia Peret","startTime":1657.359,"endTime":1660.209,"body":"Of course I knew about"},{"speaker":"Eunicia Peret","startTime":1657.359,"endTime":1660.209,"body":"consultants for crying out loud."},{"speaker":"Eunicia Peret","startTime":1660.209,"endTime":1665.289,"body":"I had been in that role for many years,"},{"speaker":"Eunicia Peret","startTime":1660.209,"endTime":1665.289,"body":"but I never knew that hiring a consult"},{"speaker":"Eunicia Peret","startTime":1665.489,"endTime":1669.599,"body":"at a personal level, not for a fortune"},{"speaker":"Eunicia Peret","startTime":1665.489,"endTime":1669.599,"body":"500 company, but for myself, for my small"},{"speaker":"Eunicia Peret","startTime":1669.599,"endTime":1671.839,"body":"company at that time that it was critical."},{"speaker":"Eunicia Peret","startTime":1671.839,"endTime":1675.789,"body":"And so when I first discovered that it"},{"speaker":"Eunicia Peret","startTime":1671.839,"endTime":1675.789,"body":"was a huge eye opener and it was such"},{"speaker":"Eunicia Peret","startTime":1675.789,"endTime":1680.396,"body":"a big eye opener to where even just"},{"speaker":"Eunicia Peret","startTime":1675.789,"endTime":1680.396,"body":"this past year, I had three business"},{"speaker":"Eunicia Peret","startTime":1680.396,"endTime":1684.511,"body":"coaches That I had hired and every single"},{"speaker":"Eunicia Peret","startTime":1680.396,"endTime":1684.511,"body":"one of them had a different strategy."},{"speaker":"Eunicia Peret","startTime":1684.511,"endTime":1687.631,"body":"Now, of course there was the kind of"},{"speaker":"Eunicia Peret","startTime":1684.511,"endTime":1687.631,"body":"key business coach and everything else"},{"speaker":"Eunicia Peret","startTime":1687.631,"endTime":1691.565,"body":"that I was hearing was a validation"},{"speaker":"Eunicia Peret","startTime":1687.631,"endTime":1691.565,"body":"of, is it leading practices or is"},{"speaker":"Eunicia Peret","startTime":1691.565,"endTime":1694.835,"body":"it not leading practices, but then"},{"speaker":"Eunicia Peret","startTime":1691.565,"endTime":1694.835,"body":"in itself gives you the idea of"},{"speaker":"Eunicia Peret","startTime":1695.035,"endTime":1696.945,"body":"there's so much stuff out there."},{"speaker":"Eunicia Peret","startTime":1697.215,"endTime":1699.265,"body":"We can Google anything that we want."},{"speaker":"Eunicia Peret","startTime":1699.535,"endTime":1703.455,"body":"The reality is that without having"},{"speaker":"Eunicia Peret","startTime":1699.535,"endTime":1703.455,"body":"the true leading practices from"},{"speaker":"Eunicia Peret","startTime":1703.455,"endTime":1708.163,"body":"individuals that have an unbiased way"},{"speaker":"Eunicia Peret","startTime":1703.455,"endTime":1708.163,"body":"of helping us and helping us think"},{"speaker":"Eunicia Peret","startTime":1708.163,"endTime":1711.643,"body":"through, helping us see what we need"},{"speaker":"Eunicia Peret","startTime":1708.163,"endTime":1711.643,"body":"to see and helping us think through"},{"speaker":"Eunicia Peret","startTime":1711.643,"endTime":1714.543,"body":"what we need to think through, we're"},{"speaker":"Eunicia Peret","startTime":1711.643,"endTime":1714.543,"body":"gonna be our own worst enemies."},{"speaker":"Eunicia Peret","startTime":1714.743,"endTime":1719.533,"body":"And so, that was the one thing that"},{"speaker":"Eunicia Peret","startTime":1714.743,"endTime":1719.533,"body":"I've learned that investing in ourselves"},{"speaker":"Eunicia Peret","startTime":1719.773,"endTime":1721.693,"body":"in our business is absolutely huge."},{"speaker":"Average Joe Finances","startTime":1721.893,"endTime":1723.153,"body":"Absolutely agree with that."},{"speaker":"Average Joe Finances","startTime":1723.353,"endTime":1726.981,"body":"You have to invest in yourself and"},{"speaker":"Average Joe Finances","startTime":1723.353,"endTime":1726.981,"body":"that kind of takes me back to a really"},{"speaker":"Average Joe Finances","startTime":1726.981,"endTime":1731.791,"body":"good book called profits first by"},{"speaker":"Average Joe Finances","startTime":1726.981,"endTime":1731.791,"body":"Mike Michalowicz and I've had actually"},{"speaker":"Average Joe Finances","startTime":1731.791,"endTime":1734.723,"body":"two different people on my show that"},{"speaker":"Average Joe Finances","startTime":1731.791,"endTime":1734.723,"body":"actually talked about that a little bit."},{"speaker":"Average Joe Finances","startTime":1734.923,"endTime":1737.893,"body":"So it's like the same thing,"},{"speaker":"Average Joe Finances","startTime":1734.923,"endTime":1737.893,"body":"pay yourself first, right?"},{"speaker":"Average Joe Finances","startTime":1737.893,"endTime":1741.343,"body":"So as you're investing and you're"},{"speaker":"Average Joe Finances","startTime":1737.893,"endTime":1741.343,"body":"especially if you're building a business."},{"speaker":"Average Joe Finances","startTime":1741.533,"endTime":1743.153,"body":"You wanna pay yourself first as well."},{"speaker":"Average Joe Finances","startTime":1743.153,"endTime":1744.683,"body":"So investing in yourself is huge."},{"speaker":"Average Joe Finances","startTime":1744.803,"endTime":1749.109,"body":"And that could be anything of going"},{"speaker":"Average Joe Finances","startTime":1744.803,"endTime":1749.109,"body":"out to a nice dinner, it could be"},{"speaker":"Average Joe Finances","startTime":1749.309,"endTime":1753.3,"body":"different things that you might need"},{"speaker":"Average Joe Finances","startTime":1749.309,"endTime":1753.3,"body":"for let's say you wanna start a podcast"},{"speaker":"Average Joe Finances","startTime":1753.3,"endTime":1754.59,"body":"and you need to buy some equipment."},{"speaker":"Average Joe Finances","startTime":1754.79,"endTime":1757.038,"body":"Investing in that, just"},{"speaker":"Average Joe Finances","startTime":1754.79,"endTime":1757.038,"body":"different things that will help"},{"speaker":"Average Joe Finances","startTime":1757.038,"endTime":1759.178,"body":"you raise the happiness bar."},{"speaker":"Average Joe Finances","startTime":1759.378,"endTime":1762.864,"body":"And, sometimes I think a lot of people"},{"speaker":"Average Joe Finances","startTime":1759.378,"endTime":1762.864,"body":"forget, especially in this industry"},{"speaker":"Average Joe Finances","startTime":1763.064,"endTime":1765.881,"body":"for people that are maybe trying"},{"speaker":"Average Joe Finances","startTime":1763.064,"endTime":1765.881,"body":"to be a little bit more frugal as"},{"speaker":"Average Joe Finances","startTime":1765.881,"endTime":1769.061,"body":"they're beating debt and trying to"},{"speaker":"Average Joe Finances","startTime":1765.881,"endTime":1769.061,"body":"figure out ways to build their wealth."},{"speaker":"Average Joe Finances","startTime":1769.261,"endTime":1773.021,"body":"Sometimes they forget to give them,"},{"speaker":"Average Joe Finances","startTime":1769.261,"endTime":1773.021,"body":"give themselves something, and a lot"},{"speaker":"Average Joe Finances","startTime":1773.021,"endTime":1775.451,"body":"of times those are the people that"},{"speaker":"Average Joe Finances","startTime":1773.021,"endTime":1775.451,"body":"will get burned out and say, you know"},{"speaker":"Average Joe Finances","startTime":1775.451,"endTime":1776.741,"body":"what, I'm not doing this anymore."},{"speaker":"Average Joe Finances","startTime":1776.941,"endTime":1780.361,"body":"And they wind up living paycheck to"},{"speaker":"Average Joe Finances","startTime":1776.941,"endTime":1780.361,"body":"paycheck for the rest of their life, or"},{"speaker":"Average Joe Finances","startTime":1780.561,"endTime":1784.208,"body":"having to wait until they're in their"},{"speaker":"Average Joe Finances","startTime":1780.561,"endTime":1784.208,"body":"late sixties to be able to retire."},{"speaker":"Average Joe Finances","startTime":1784.408,"endTime":1787.318,"body":"And even then sometimes"},{"speaker":"Average Joe Finances","startTime":1784.408,"endTime":1787.318,"body":"they can't even retire then."},{"speaker":"Average Joe Finances","startTime":1787.318,"endTime":1791.368,"body":"So I think investing in yourself"},{"speaker":"Average Joe Finances","startTime":1787.318,"endTime":1791.368,"body":"and, keeping yourself happy as you"},{"speaker":"Average Joe Finances","startTime":1791.398,"endTime":1793.558,"body":"go along in your journey is huge."},{"speaker":"Average Joe Finances","startTime":1793.758,"endTime":1794.928,"body":"So I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1795.128,"endTime":1798.298,"body":"Okay, so this, again, this kind"},{"speaker":"Average Joe Finances","startTime":1795.128,"endTime":1798.298,"body":"of ties into the next question."},{"speaker":"Average Joe Finances","startTime":1798.498,"endTime":1803.718,"body":"And that is, do you have any tips or"},{"speaker":"Average Joe Finances","startTime":1798.498,"endTime":1803.718,"body":"tricks that you would recommend to someone"},{"speaker":"Average Joe Finances","startTime":1803.723,"endTime":1805.308,"body":"that is just getting started today?"},{"speaker":"Eunicia Peret","startTime":1805.508,"endTime":1806.678,"body":"So tips and tricks."},{"speaker":"Eunicia Peret","startTime":1806.683,"endTime":1807.458,"body":"That's a great one."},{"speaker":"Eunicia Peret","startTime":1807.658,"endTime":1810.588,"body":"Going back to what you said earlier"},{"speaker":"Eunicia Peret","startTime":1807.658,"endTime":1810.588,"body":"about you have to invest in your"},{"speaker":"Eunicia Peret","startTime":1810.588,"endTime":1814.158,"body":"help and yourself, you have to"},{"speaker":"Eunicia Peret","startTime":1810.588,"endTime":1814.158,"body":"invest in your happiness, 100%."},{"speaker":"Eunicia Peret","startTime":1814.358,"endTime":1818.598,"body":"One of the big tips and tricks that"},{"speaker":"Eunicia Peret","startTime":1814.358,"endTime":1818.598,"body":"I share with and even if I didn't"},{"speaker":"Eunicia Peret","startTime":1818.598,"endTime":1822.669,"body":"share it with them, our clients always"},{"speaker":"Eunicia Peret","startTime":1818.598,"endTime":1822.669,"body":"see it on the other side, is this"},{"speaker":"Eunicia Peret","startTime":1822.669,"endTime":1825.249,"body":"knowledge that free, isn't always free."},{"speaker":"Eunicia Peret","startTime":1825.279,"endTime":1827.109,"body":"There's nothing in life"},{"speaker":"Eunicia Peret","startTime":1825.279,"endTime":1827.109,"body":"that comes for free."},{"speaker":"Eunicia Peret","startTime":1827.309,"endTime":1831.819,"body":"And often times what we see with"},{"speaker":"Eunicia Peret","startTime":1827.309,"endTime":1831.819,"body":"individuals so many times, whether they"},{"speaker":"Eunicia Peret","startTime":1831.819,"endTime":1835.949,"body":"work with a real estate agent or they work"},{"speaker":"Eunicia Peret","startTime":1831.819,"endTime":1835.949,"body":"even with the financial advisor, they just"},{"speaker":"Eunicia Peret","startTime":1835.949,"endTime":1838.139,"body":"want the free, how can I get it for free?"},{"speaker":"Eunicia Peret","startTime":1838.139,"endTime":1840.649,"body":"How can I negotiate myself a better."},{"speaker":"Eunicia Peret","startTime":1840.849,"endTime":1846.868,"body":"And what I feel they always fail to see"},{"speaker":"Eunicia Peret","startTime":1840.849,"endTime":1846.868,"body":"is that negotiating a little bit here or a"},{"speaker":"Eunicia Peret","startTime":1846.868,"endTime":1851.038,"body":"little bit there ends up actually costing"},{"speaker":"Eunicia Peret","startTime":1846.868,"endTime":1851.038,"body":"them a whole lot more in the long run."},{"speaker":"Eunicia Peret","startTime":1851.238,"endTime":1855.441,"body":"So while it's not a tangible tip and"},{"speaker":"Eunicia Peret","startTime":1851.238,"endTime":1855.441,"body":"trick when you're thinking, let's say for"},{"speaker":"Eunicia Peret","startTime":1855.441,"endTime":1859.449,"body":"example, the free guidance that you've"},{"speaker":"Eunicia Peret","startTime":1855.441,"endTime":1859.449,"body":"gotten thus far with how you invest your"},{"speaker":"Eunicia Peret","startTime":1859.449,"endTime":1861.689,"body":"money, think of the following question."},{"speaker":"Eunicia Peret","startTime":1861.749,"endTime":1862.979,"body":"What are you leaving on the table?"},{"speaker":"Eunicia Peret","startTime":1863.179,"endTime":1864.679,"body":"What is it truly costing you?"},{"speaker":"Eunicia Peret","startTime":1864.679,"endTime":1868.179,"body":"Because it's not just about how you invest"},{"speaker":"Eunicia Peret","startTime":1864.679,"endTime":1868.179,"body":"your money, it's so much more than that."},{"speaker":"Eunicia Peret","startTime":1868.379,"endTime":1872.069,"body":"So what are the different pots of"},{"speaker":"Eunicia Peret","startTime":1868.379,"endTime":1872.069,"body":"money that you are truly flushing down"},{"speaker":"Eunicia Peret","startTime":1872.069,"endTime":1875.629,"body":"the toilet every single day, every"},{"speaker":"Eunicia Peret","startTime":1872.069,"endTime":1875.629,"body":"month, every year that you'll never"},{"speaker":"Eunicia Peret","startTime":1875.634,"endTime":1877.719,"body":"get to see because you got it for free."},{"speaker":"Eunicia Peret","startTime":1877.919,"endTime":1882.479,"body":"You had access to that very super"},{"speaker":"Eunicia Peret","startTime":1877.919,"endTime":1882.479,"body":"limited menu of services and you were"},{"speaker":"Eunicia Peret","startTime":1882.479,"endTime":1885.389,"body":"fine with that because it was free"},{"speaker":"Eunicia Peret","startTime":1882.479,"endTime":1885.389,"body":"and you didn't know any different."},{"speaker":"Eunicia Peret","startTime":1885.589,"endTime":1890.779,"body":"So my tip and my trick there is surround"},{"speaker":"Eunicia Peret","startTime":1885.589,"endTime":1890.779,"body":"yourself with good people be comfortable"},{"speaker":"Eunicia Peret","startTime":1890.809,"endTime":1894.939,"body":"to potentially shift people, on and"},{"speaker":"Eunicia Peret","startTime":1890.809,"endTime":1894.939,"body":"off your bus like I said earlier."},{"speaker":"Eunicia Peret","startTime":1895.139,"endTime":1899.159,"body":"The same individuals, the same companies,"},{"speaker":"Eunicia Peret","startTime":1895.139,"endTime":1899.159,"body":"the same strategic partners that helped"},{"speaker":"Eunicia Peret","startTime":1899.159,"endTime":1903.079,"body":"you get to where you're at, may or may"},{"speaker":"Eunicia Peret","startTime":1899.159,"endTime":1903.079,"body":"not be able to take you to the next level."},{"speaker":"Eunicia Peret","startTime":1903.279,"endTime":1906.999,"body":"And so don't be afraid, that's the other"},{"speaker":"Eunicia Peret","startTime":1903.279,"endTime":1906.999,"body":"thing, don't be afraid to make changes."},{"speaker":"Eunicia Peret","startTime":1907.199,"endTime":1910.619,"body":"Again, when your instinct tells"},{"speaker":"Eunicia Peret","startTime":1907.199,"endTime":1910.619,"body":"you that, Hey, maybe it's time."},{"speaker":"Eunicia Peret","startTime":1910.819,"endTime":1912.049,"body":"It probably is time."},{"speaker":"Eunicia Peret","startTime":1912.049,"endTime":1916.929,"body":"And we see that so often with so many"},{"speaker":"Eunicia Peret","startTime":1912.049,"endTime":1916.929,"body":"clients, we've got several clients that"},{"speaker":"Eunicia Peret","startTime":1916.929,"endTime":1921.064,"body":"we're working on, with them  on this"},{"speaker":"Eunicia Peret","startTime":1916.929,"endTime":1921.064,"body":"specifically with them and we're not about"},{"speaker":"Eunicia Peret","startTime":1921.069,"endTime":1923.454,"body":"displacing, but we are about optimizing."},{"speaker":"Eunicia Peret","startTime":1923.454,"endTime":1928.216,"body":"And so  it's the idea of you understanding"},{"speaker":"Eunicia Peret","startTime":1923.454,"endTime":1928.216,"body":"what it is that you need to do to"},{"speaker":"Eunicia Peret","startTime":1928.216,"endTime":1930.179,"body":"help take your own game to the next."},{"speaker":"Average Joe Finances","startTime":1930.379,"endTime":1931.321,"body":"That, is fantastic."},{"speaker":"Average Joe Finances","startTime":1931.566,"endTime":1932.551,"body":"That is a great answer."},{"speaker":"Average Joe Finances","startTime":1932.751,"endTime":1933.811,"body":"Really appreciate that."},{"speaker":"Average Joe Finances","startTime":1934.011,"endTime":1936.921,"body":"You always bring it back to"},{"speaker":"Average Joe Finances","startTime":1934.011,"endTime":1936.921,"body":"these analogies that make sense."},{"speaker":"Average Joe Finances","startTime":1937.121,"endTime":1942.199,"body":"And don't miss the bus people, don't miss"},{"speaker":"Average Joe Finances","startTime":1937.121,"endTime":1942.199,"body":"the bus and guess what, the value of the"},{"speaker":"Average Joe Finances","startTime":1942.199,"endTime":1944.319,"body":"bus ticket that you have, it's worth it."},{"speaker":"Average Joe Finances","startTime":1944.319,"endTime":1945.069,"body":"So pay for it."},{"speaker":"Average Joe Finances","startTime":1945.069,"endTime":1947.709,"body":"Don't try to negotiate the your fair price"},{"speaker":"Eunicia Peret","startTime":1947.889,"endTime":1949.109,"body":"And don't"},{"speaker":"Eunicia Peret","startTime":1947.889,"endTime":1949.109,"body":"try to get on that list."},{"speaker":"Average Joe Finances","startTime":1949.109,"endTime":1950.544,"body":"You'll wind up"},{"speaker":"Average Joe Finances","startTime":1949.109,"endTime":1950.544,"body":"missing off,  you're gonna wind up"},{"speaker":"Average Joe Finances","startTime":1950.544,"endTime":1953.194,"body":"having to get off two stops too early,"},{"speaker":"Average Joe Finances","startTime":1950.544,"endTime":1953.194,"body":"and then you're gonna walk two blocks."},{"speaker":"Average Joe Finances","startTime":1953.394,"endTime":1954.74,"body":"No I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1954.953,"endTime":1955.623,"body":"That is awesome."},{"speaker":"Average Joe Finances","startTime":1955.843,"endTime":1956.573,"body":"Okay, Eunicia."},{"speaker":"Average Joe Finances","startTime":1956.618,"endTime":1961.413,"body":"And now the next question is, do you have"},{"speaker":"Average Joe Finances","startTime":1956.618,"endTime":1961.413,"body":"a favorite business investing or real"},{"speaker":"Average Joe Finances","startTime":1961.413,"endTime":1964.233,"body":"estate related book or podcast, or both?"},{"speaker":"Eunicia Peret","startTime":1964.433,"endTime":1968.293,"body":"As a matter of fact, I"},{"speaker":"Eunicia Peret","startTime":1964.433,"endTime":1968.293,"body":"do Mike, one of my most favorite books"},{"speaker":"Eunicia Peret","startTime":1968.293,"endTime":1973.211,"body":"for folks to reference is Tony Robbins'"},{"speaker":"Eunicia Peret","startTime":1968.293,"endTime":1973.211,"body":"book called Money Mastered The Game."},{"speaker":"Eunicia Peret","startTime":1973.411,"endTime":1975.053,"body":"It's not a super hard read."},{"speaker":"Eunicia Peret","startTime":1975.053,"endTime":1979.407,"body":"It is a long book to get through, but"},{"speaker":"Eunicia Peret","startTime":1975.053,"endTime":1979.407,"body":"the reason I specifically appreciate"},{"speaker":"Eunicia Peret","startTime":1979.407,"endTime":1983.367,"body":"the book is because number one, it"},{"speaker":"Eunicia Peret","startTime":1979.407,"endTime":1983.367,"body":"provides a third party, some third party"},{"speaker":"Eunicia Peret","startTime":1983.367,"endTime":1987.187,"body":"insights into this idea that you need"},{"speaker":"Eunicia Peret","startTime":1983.367,"endTime":1987.187,"body":"to be thinking about things differently."},{"speaker":"Eunicia Peret","startTime":1987.387,"endTime":1992.127,"body":"The other reason is when I first read that"},{"speaker":"Eunicia Peret","startTime":1987.387,"endTime":1992.127,"body":"book, I thought, oh my gosh, we need to"},{"speaker":"Eunicia Peret","startTime":1992.127,"endTime":1997.391,"body":"do something about the limited options"},{"speaker":"Eunicia Peret","startTime":1992.127,"endTime":1997.391,"body":"that people *have when it comes to how"},{"speaker":"Eunicia Peret","startTime":1997.391,"endTime":2001.431,"body":"they see money, to how they invest money,"},{"speaker":"Eunicia Peret","startTime":1997.391,"endTime":2001.431,"body":"to how they perceive going back to their"},{"speaker":"Eunicia Peret","startTime":2001.431,"endTime":2003.451,"body":"relationship that we talked about money."},{"speaker":"Eunicia Peret","startTime":2003.651,"endTime":2005.739,"body":"And so it's a book that"},{"speaker":"Eunicia Peret","startTime":2003.651,"endTime":2005.739,"body":"I definitely recommend."},{"speaker":"Eunicia Peret","startTime":2005.939,"endTime":2008.489,"body":"It's fun and it'll be a"},{"speaker":"Eunicia Peret","startTime":2005.939,"endTime":2008.489,"body":"huge eye opener for many."},{"speaker":"Average Joe Finances","startTime":2008.689,"endTime":2009.619,"body":"That is fantastic."},{"speaker":"Average Joe Finances","startTime":2009.619,"endTime":2011.359,"body":"That's a great book for people to read."},{"speaker":"Average Joe Finances","startTime":2011.559,"endTime":2015.279,"body":"And, Tony Robbins is a great"},{"speaker":"Average Joe Finances","startTime":2011.559,"endTime":2015.279,"body":"coach and author, and does"},{"speaker":"Average Joe Finances","startTime":2015.279,"endTime":2016.359,"body":"some really amazing things."},{"speaker":"Average Joe Finances","startTime":2016.359,"endTime":2017.289,"body":"So I appreciate that."},{"speaker":"Average Joe Finances","startTime":2017.289,"endTime":2020.949,"body":"So if you haven't already go"},{"speaker":"Average Joe Finances","startTime":2017.289,"endTime":2020.949,"body":"check out Money Master The Game."},{"speaker":"Average Joe Finances","startTime":2021.149,"endTime":2021.629,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2021.829,"endTime":2024.045,"body":"This has been a fantastic conversation."},{"speaker":"Average Joe Finances","startTime":2024.255,"endTime":2025.424,"body":"I've really enjoyed it."},{"speaker":"Average Joe Finances","startTime":2025.624,"endTime":2028.535,"body":"But now I have one more question for"},{"speaker":"Average Joe Finances","startTime":2025.624,"endTime":2028.535,"body":"you, and I think this is the most"},{"speaker":"Average Joe Finances","startTime":2028.735,"endTime":2031.979,"body":"important, question of all, because for"},{"speaker":"Average Joe Finances","startTime":2028.735,"endTime":2031.979,"body":"the people that have been listening and,"},{"speaker":"Average Joe Finances","startTime":2031.979,"endTime":2036.224,"body":"following along with this interview and"},{"speaker":"Average Joe Finances","startTime":2031.979,"endTime":2036.224,"body":"following along with your journey and"},{"speaker":"Average Joe Finances","startTime":2036.224,"endTime":2039.534,"body":"what you've done, and then also what"},{"speaker":"Average Joe Finances","startTime":2036.224,"endTime":2039.534,"body":"you've done with the wealth freedom"},{"speaker":"Average Joe Finances","startTime":2039.534,"endTime":2043.434,"body":"formula, people are gonna wanna know"},{"speaker":"Average Joe Finances","startTime":2039.534,"endTime":2043.434,"body":"more about you and about the formula."},{"speaker":"Average Joe Finances","startTime":2043.674,"endTime":2048.04,"body":"So Eunicia, if you could share where we"},{"speaker":"Average Joe Finances","startTime":2043.674,"endTime":2048.04,"body":"could find that, do you have a website,"},{"speaker":"Average Joe Finances","startTime":2048.25,"endTime":2050.14,"body":"any social media profiles we can follow?"},{"speaker":"Average Joe Finances","startTime":2050.14,"endTime":2051.16,"body":"That would be fantastic."},{"speaker":"Eunicia Peret","startTime":2051.36,"endTime":2052.17,"body":"Absolutely."},{"speaker":"Eunicia Peret","startTime":2052.47,"endTime":2054.72,"body":"Folks can certainly"},{"speaker":"Eunicia Peret","startTime":2052.47,"endTime":2054.72,"body":"follow us on our website."},{"speaker":"Eunicia Peret","startTime":2054.72,"endTime":2057.44,"body":"They can even interact and"},{"speaker":"Eunicia Peret","startTime":2054.72,"endTime":2057.44,"body":"chat with us there, it is"},{"speaker":"Eunicia Peret","startTime":2057.64,"endTime":2061.38,"body":"www.empoweredfinancialplanner.com."},{"speaker":"Eunicia Peret","startTime":2061.58,"endTime":2064.95,"body":"And  for those listeners that are"},{"speaker":"Eunicia Peret","startTime":2061.58,"endTime":2064.95,"body":"interested to learn more about kind"},{"speaker":"Eunicia Peret","startTime":2064.95,"endTime":2068.73,"body":"of the philosophies behind even what"},{"speaker":"Eunicia Peret","startTime":2064.95,"endTime":2068.73,"body":"made the wealth freedom formula,"},{"speaker":"Eunicia Peret","startTime":2068.73,"endTime":2072.611,"body":"what it is, you're more than welcome"},{"speaker":"Eunicia Peret","startTime":2068.73,"endTime":2072.611,"body":"to grab your free quick read."},{"speaker":"Eunicia Peret","startTime":2072.811,"endTime":2076.411,"body":"It's a checklist to the five financial"},{"speaker":"Eunicia Peret","startTime":2072.811,"endTime":2076.411,"body":"pitfalls that really we should all"},{"speaker":"Eunicia Peret","startTime":2076.411,"endTime":2078.022,"body":"be focused on in order to avoid."},{"speaker":"Eunicia Peret","startTime":2078.222,"endTime":2083.232,"body":"And you can find that on our website, same"},{"speaker":"Eunicia Peret","startTime":2078.222,"endTime":2083.232,"body":"thing, www.empoweredfinancialplanner.com,"},{"speaker":"Eunicia Peret","startTime":2083.392,"endTime":2083.992,"body":"pitfalls."},{"speaker":"Eunicia Peret","startTime":2084.192,"endTime":2085.372,"body":"I encourage you to get that."},{"speaker":"Eunicia Peret","startTime":2085.572,"endTime":2089.172,"body":"Let us know that you heard about it"},{"speaker":"Eunicia Peret","startTime":2085.572,"endTime":2089.172,"body":"here on the podcast that you heard"},{"speaker":"Eunicia Peret","startTime":2089.172,"endTime":2094.032,"body":"it from Mike and from me, and it'll"},{"speaker":"Eunicia Peret","startTime":2089.172,"endTime":2094.032,"body":"be our pleasure to connect with you."},{"speaker":"Eunicia Peret","startTime":2094.032,"endTime":2096.502,"body":"If you have any questions and"},{"speaker":"Eunicia Peret","startTime":2094.032,"endTime":2096.502,"body":"go from there, you can also"},{"speaker":"Eunicia Peret","startTime":2096.502,"endTime":2097.792,"body":"find us  on social media."},{"speaker":"Eunicia Peret","startTime":2097.792,"endTime":2101.198,"body":"We're just about everywhere,"},{"speaker":"Eunicia Peret","startTime":2097.792,"endTime":2101.198,"body":"linkedIn, Facebook, Instagram we"},{"speaker":"Eunicia Peret","startTime":2101.198,"endTime":2102.053,"body":"look forward to hearing from you."},{"speaker":"Average Joe Finances","startTime":2102.268,"endTime":2102.896,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":2102.896,"endTime":2105.906,"body":"And I'll make sure I have links  to"},{"speaker":"Average Joe Finances","startTime":2102.896,"endTime":2105.906,"body":"all of that in the show notes, the"},{"speaker":"Average Joe Finances","startTime":2105.906,"endTime":2108.786,"body":"website, the social media profiles,"},{"speaker":"Average Joe Finances","startTime":2105.906,"endTime":2108.786,"body":"just to make it easier for all of you."},{"speaker":"Average Joe Finances","startTime":2109.056,"endTime":2112.916,"body":"So you can either copy and paste or"},{"speaker":"Average Joe Finances","startTime":2109.056,"endTime":2112.916,"body":"click away and go give them a follow,"},{"speaker":"Average Joe Finances","startTime":2112.916,"endTime":2117.362,"body":"go check out the website, see what"},{"speaker":"Average Joe Finances","startTime":2112.916,"endTime":2117.362,"body":"Eunicia and her team is doing with"},{"speaker":"Average Joe Finances","startTime":2117.392,"endTime":2119.192,"body":"the empowered financial planner."},{"speaker":"Average Joe Finances","startTime":2119.192,"endTime":2122.282,"body":"So this is just really awesome and"},{"speaker":"Average Joe Finances","startTime":2119.192,"endTime":2122.282,"body":"go check out the wealth freedom"},{"speaker":"Average Joe Finances","startTime":2122.282,"endTime":2126.236,"body":"formula that they have and get"},{"speaker":"Average Joe Finances","startTime":2122.282,"endTime":2126.236,"body":"the free information that you can,"},{"speaker":"Average Joe Finances","startTime":2126.436,"endTime":2128.146,"body":"and it's gonna be awesome guys."},{"speaker":"Average Joe Finances","startTime":2128.35,"endTime":2131.196,"body":"Hey Eunicia again, this has"},{"speaker":"Average Joe Finances","startTime":2128.35,"endTime":2131.196,"body":"been an absolute pleasure."},{"speaker":"Average Joe Finances","startTime":2131.196,"endTime":2134.196,"body":"I really appreciate you taking the"},{"speaker":"Average Joe Finances","startTime":2131.196,"endTime":2134.196,"body":"time to have this chat with me today."},{"speaker":"Average Joe Finances","startTime":2134.406,"endTime":2135.696,"body":"It's been really fun."},{"speaker":"Eunicia Peret","startTime":2135.896,"endTime":2138.326,"body":"Likewise, Mike, it was"},{"speaker":"Eunicia Peret","startTime":2135.896,"endTime":2138.326,"body":"a pleasure to be here with you today."},{"speaker":"Eunicia Peret","startTime":2138.526,"endTime":2139.066,"body":"All righty."},{"speaker":"Eunicia Peret","startTime":2139.216,"endTime":2140.416,"body":"Aloha from Hawaii."}]}