{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.299,"endTime":1.409,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.299,"endTime":1.409,"body":"how's it going everybody."},{"speaker":"Average Joe Finances","startTime":1.409,"endTime":4.08,"body":"Welcome back to the Average"},{"speaker":"Average Joe Finances","startTime":1.409,"endTime":4.08,"body":"Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":4.11,"endTime":9.36,"body":"I'm your host, Mike Cavaggioni and"},{"speaker":"Average Joe Finances","startTime":4.11,"endTime":9.36,"body":"today's guest is Tyson Koska and Tyson,"},{"speaker":"Average Joe Finances","startTime":9.395,"endTime":13.017,"body":"I'm really excited that I got a chance to"},{"speaker":"Average Joe Finances","startTime":9.395,"endTime":13.017,"body":"talk with you a little bit before we hit"},{"speaker":"Average Joe Finances","startTime":13.017,"endTime":16.947,"body":"the record button and I'm super excited"},{"speaker":"Average Joe Finances","startTime":13.017,"endTime":16.947,"body":"for what we're gonna discuss today."},{"speaker":"Average Joe Finances","startTime":17.067,"endTime":18.347,"body":"So thank you so much for joining me."},{"speaker":"Tyson Koska","startTime":18.517,"endTime":19.327,"body":"Happy to be here."},{"speaker":"Tyson Koska","startTime":19.507,"endTime":19.867,"body":"Thanks."},{"speaker":"Average Joe Finances","startTime":20.167,"endTime":20.977,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":20.977,"endTime":24.429,"body":"The very first question I'd like to ask"},{"speaker":"Average Joe Finances","startTime":20.977,"endTime":24.429,"body":"you is the same question I ask everybody"},{"speaker":"Average Joe Finances","startTime":24.429,"endTime":29.241,"body":"that comes on this show and we wanna know"},{"speaker":"Average Joe Finances","startTime":24.429,"endTime":29.241,"body":"about Tyson so we wanna know about you."},{"speaker":"Average Joe Finances","startTime":29.241,"endTime":33.345,"body":"So if you could share a little bit about"},{"speaker":"Average Joe Finances","startTime":29.241,"endTime":33.345,"body":"yourself and your story and how everything"},{"speaker":"Average Joe Finances","startTime":33.35,"endTime":37.293,"body":"got started for you to, from, your humble"},{"speaker":"Average Joe Finances","startTime":33.35,"endTime":37.293,"body":"beginnings, to where you're at today."},{"speaker":"Tyson Koska","startTime":37.49,"endTime":38.3,"body":"Yeah, thanks."},{"speaker":"Tyson Koska","startTime":38.35,"endTime":41.573,"body":"And I love that you start the show out"},{"speaker":"Tyson Koska","startTime":38.35,"endTime":41.573,"body":"this way because you doing somebody"},{"speaker":"Tyson Koska","startTime":41.573,"endTime":44.993,"body":"else's bio versus hearing it from the"},{"speaker":"Tyson Koska","startTime":41.573,"endTime":44.993,"body":"themselves can be really different."},{"speaker":"Tyson Koska","startTime":45.293,"endTime":48.713,"body":"I'll keep it really snappy, but"},{"speaker":"Tyson Koska","startTime":45.293,"endTime":48.713,"body":"I'm gonna start when I was 13 years"},{"speaker":"Tyson Koska","startTime":48.713,"endTime":50.663,"body":"old, I had a little snowball salmon."},{"speaker":"Tyson Koska","startTime":50.663,"endTime":54.929,"body":"I live on the east coast and snowball"},{"speaker":"Tyson Koska","startTime":50.663,"endTime":54.929,"body":"is crushed ice with sugar water on top."},{"speaker":"Tyson Koska","startTime":54.929,"endTime":58.883,"body":"I had a little snowball salmon, I was"},{"speaker":"Tyson Koska","startTime":54.929,"endTime":58.883,"body":"13 years old and I come from a very"},{"speaker":"Tyson Koska","startTime":58.888,"endTime":61.283,"body":"humble, lower middle class family."},{"speaker":"Tyson Koska","startTime":61.288,"endTime":62.633,"body":"My dad was a police officer."},{"speaker":"Tyson Koska","startTime":62.633,"endTime":63.653,"body":"My mom's a waitress."},{"speaker":"Tyson Koska","startTime":63.803,"endTime":67.913,"body":"It was a little bit cliche and for the"},{"speaker":"Tyson Koska","startTime":63.803,"endTime":67.913,"body":"first time in my life at 13 years old,"},{"speaker":"Tyson Koska","startTime":67.913,"endTime":68.963,"body":"I had a little bit of pocket money."},{"speaker":"Tyson Koska","startTime":69.263,"endTime":71.363,"body":"And with that pocket"},{"speaker":"Tyson Koska","startTime":69.263,"endTime":71.363,"body":"money, I bought a computer."},{"speaker":"Tyson Koska","startTime":71.513,"endTime":74.163,"body":"This was back in 1980, 1981."},{"speaker":"Tyson Koska","startTime":74.183,"endTime":76.703,"body":"So it was when the personal"},{"speaker":"Tyson Koska","startTime":74.183,"endTime":76.703,"body":"computers were first coming out."},{"speaker":"Tyson Koska","startTime":77.003,"endTime":82.193,"body":"I'm only telling you that piece of my"},{"speaker":"Tyson Koska","startTime":77.003,"endTime":82.193,"body":"story, because that ends up being one"},{"speaker":"Tyson Koska","startTime":82.198,"endTime":85.913,"body":"of the things that completely changes"},{"speaker":"Tyson Koska","startTime":82.198,"endTime":85.913,"body":"my life later on, because I went to"},{"speaker":"Tyson Koska","startTime":85.913,"endTime":88.103,"body":"high school, graduated high school."},{"speaker":"Tyson Koska","startTime":88.343,"endTime":89.963,"body":"I wanted to go away to college."},{"speaker":"Tyson Koska","startTime":90.263,"endTime":92.093,"body":"Parents couldn't really"},{"speaker":"Tyson Koska","startTime":90.263,"endTime":92.093,"body":"afford to send me to college."},{"speaker":"Tyson Koska","startTime":92.093,"endTime":95.884,"body":"So I ended up joining the army and I"},{"speaker":"Tyson Koska","startTime":92.093,"endTime":95.884,"body":"was really fortunate to be in a program"},{"speaker":"Tyson Koska","startTime":95.884,"endTime":97.997,"body":"called high school to flight school."},{"speaker":"Tyson Koska","startTime":98.147,"endTime":105.347,"body":"So I graduated high school in 1986 and"},{"speaker":"Tyson Koska","startTime":98.147,"endTime":105.347,"body":"a year later, I'm in basic training."},{"speaker":"Tyson Koska","startTime":105.377,"endTime":108.527,"body":"Then I'm in Warren officer"},{"speaker":"Tyson Koska","startTime":105.377,"endTime":108.527,"body":"candidate school, then I'm flying"},{"speaker":"Tyson Koska","startTime":108.527,"endTime":111.437,"body":"helicopters, and then I'm in Korea."},{"speaker":"Tyson Koska","startTime":111.517,"endTime":112.38,"body":"It's crazy."},{"speaker":"Tyson Koska","startTime":112.38,"endTime":115.08,"body":"And then a year later, I'm in"},{"speaker":"Tyson Koska","startTime":112.38,"endTime":115.08,"body":"Germany, then I'm in the first"},{"speaker":"Tyson Koska","startTime":115.08,"endTime":117.33,"body":"Gulf war, in Iraq, in Saudi Arabia."},{"speaker":"Tyson Koska","startTime":117.63,"endTime":119.901,"body":"And got out of the military in '92."},{"speaker":"Tyson Koska","startTime":120.051,"endTime":120.951,"body":"And then I went to college."},{"speaker":"Tyson Koska","startTime":120.956,"endTime":122.901,"body":"I had the GI bill money in my pocket."},{"speaker":"Tyson Koska","startTime":122.931,"endTime":126.291,"body":"I was ready to figure out what I"},{"speaker":"Tyson Koska","startTime":122.931,"endTime":126.291,"body":"wanted to do with the rest of my"},{"speaker":"Tyson Koska","startTime":126.291,"endTime":128.211,"body":"life after all of that had happened."},{"speaker":"Tyson Koska","startTime":128.511,"endTime":132.911,"body":"And just got a degree in English"},{"speaker":"Tyson Koska","startTime":128.511,"endTime":132.911,"body":"and philosophy, which doesn't"},{"speaker":"Tyson Koska","startTime":132.911,"endTime":134.081,"body":"make a whole lot of sense."},{"speaker":"Tyson Koska","startTime":134.281,"endTime":140.491,"body":"Graduated from college, had a very"},{"speaker":"Tyson Koska","startTime":134.281,"endTime":140.491,"body":"difficult time finding a job and luckily,"},{"speaker":"Tyson Koska","startTime":140.521,"endTime":143.891,"body":"because when I was 13, I had bought"},{"speaker":"Tyson Koska","startTime":140.521,"endTime":143.891,"body":"a computer and I had taught myself"},{"speaker":"Tyson Koska","startTime":143.891,"endTime":148.175,"body":"how to program and the IT industry"},{"speaker":"Tyson Koska","startTime":143.891,"endTime":148.175,"body":"was just exploding in the mid and"},{"speaker":"Tyson Koska","startTime":148.445,"endTime":152.352,"body":"late nineties, I basically got a job"},{"speaker":"Tyson Koska","startTime":148.445,"endTime":152.352,"body":"based on what I learned when I was 13."},{"speaker":"Tyson Koska","startTime":152.652,"endTime":154.362,"body":"So I'd been in the military."},{"speaker":"Tyson Koska","startTime":154.602,"endTime":156.012,"body":"I had gone to college."},{"speaker":"Tyson Koska","startTime":156.042,"endTime":159.572,"body":"I had two bachelor's degrees and"},{"speaker":"Tyson Koska","startTime":156.042,"endTime":159.572,"body":"ended up doing something that"},{"speaker":"Tyson Koska","startTime":159.572,"endTime":160.982,"body":"I taught myself when I was 13."},{"speaker":"Tyson Koska","startTime":160.982,"endTime":163.72,"body":"So that's why I told you open the"},{"speaker":"Tyson Koska","startTime":160.982,"endTime":163.72,"body":"story with the snowball stand."},{"speaker":"Tyson Koska","startTime":163.937,"endTime":166.273,"body":"It's just so weird how"},{"speaker":"Tyson Koska","startTime":163.937,"endTime":166.273,"body":"the whole thing work out."},{"speaker":"Tyson Koska","startTime":166.513,"endTime":171.317,"body":"I spent the next 20 years in"},{"speaker":"Tyson Koska","startTime":166.513,"endTime":171.317,"body":"corporate it, and I started a startup"},{"speaker":"Tyson Koska","startTime":171.342,"endTime":174.157,"body":"that I'm currently working on now"},{"speaker":"Tyson Koska","startTime":171.342,"endTime":174.157,"body":"about 20 years into my career."},{"speaker":"Average Joe Finances","startTime":174.457,"endTime":174.727,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":174.737,"endTime":176.057,"body":"That's fantastic Tyson."},{"speaker":"Average Joe Finances","startTime":176.102,"endTime":176.912,"body":"What a background."},{"speaker":"Average Joe Finances","startTime":176.912,"endTime":180.47,"body":"Cause Going all the way back to when"},{"speaker":"Average Joe Finances","startTime":176.912,"endTime":180.47,"body":"you were 13 that just right there, the"},{"speaker":"Average Joe Finances","startTime":180.47,"endTime":184.884,"body":"whole, the snowball stand just shows"},{"speaker":"Average Joe Finances","startTime":180.47,"endTime":184.884,"body":"the entre entrepreneurial mindset"},{"speaker":"Average Joe Finances","startTime":184.884,"endTime":186.774,"body":"that you had even at such a young age."},{"speaker":"Average Joe Finances","startTime":186.924,"endTime":190.953,"body":"And then you bought a computer with that"},{"speaker":"Average Joe Finances","startTime":186.924,"endTime":190.953,"body":"money, so you saved up for something that"},{"speaker":"Average Joe Finances","startTime":190.953,"endTime":194.558,"body":"you wanted and at 13, that's a lot of"},{"speaker":"Average Joe Finances","startTime":190.953,"endTime":194.558,"body":"discipline and I'll tell you that right"},{"speaker":"Average Joe Finances","startTime":194.558,"endTime":198.428,"body":"now, if I ask my daughter, who's 12 to"},{"speaker":"Average Joe Finances","startTime":194.558,"endTime":198.428,"body":"save up for something that she wants."},{"speaker":"Average Joe Finances","startTime":198.461,"endTime":201.762,"body":"If she begging me for a phone for her"},{"speaker":"Average Joe Finances","startTime":198.461,"endTime":201.762,"body":"13th birthday, if I told her, Hey,"},{"speaker":"Average Joe Finances","startTime":201.762,"endTime":204.981,"body":"if you had to save up for that to get"},{"speaker":"Average Joe Finances","startTime":201.762,"endTime":204.981,"body":"it, I don't know if she'd get there."},{"speaker":"Average Joe Finances","startTime":204.981,"endTime":207.469,"body":"So we're still working on"},{"speaker":"Average Joe Finances","startTime":204.981,"endTime":207.469,"body":"where where she's at with her"},{"speaker":"Average Joe Finances","startTime":207.469,"endTime":208.91,"body":"finances, but we're getting there."},{"speaker":"Average Joe Finances","startTime":209.088,"endTime":210.932,"body":"So that's a great mindset to have."},{"speaker":"Average Joe Finances","startTime":210.932,"endTime":212.726,"body":"I just wanna point that"},{"speaker":"Average Joe Finances","startTime":210.932,"endTime":212.726,"body":"out right off the bat."},{"speaker":"Average Joe Finances","startTime":212.876,"endTime":214.675,"body":"And then, thank you for"},{"speaker":"Average Joe Finances","startTime":212.876,"endTime":214.675,"body":"your service as well."},{"speaker":"Average Joe Finances","startTime":214.675,"endTime":216.655,"body":"Fast forward to you joining the army."},{"speaker":"Average Joe Finances","startTime":216.955,"endTime":219.819,"body":"And that, that's an interesting"},{"speaker":"Average Joe Finances","startTime":216.955,"endTime":219.819,"body":"program cuz you know I know we have,"},{"speaker":"Average Joe Finances","startTime":219.833,"endTime":222.907,"body":"flying warrant officers in the army,"},{"speaker":"Average Joe Finances","startTime":219.833,"endTime":222.907,"body":"I didn't know that they had a program"},{"speaker":"Average Joe Finances","startTime":223.202,"endTime":226.503,"body":"bring you straight through basic up"},{"speaker":"Average Joe Finances","startTime":223.202,"endTime":226.503,"body":"to being a warrant officer back in"},{"speaker":"Average Joe Finances","startTime":226.503,"endTime":227.869,"body":"the 80's, like that's pretty awesome."},{"speaker":"Average Joe Finances","startTime":228.069,"endTime":232.187,"body":"And of course being a veteran in a"},{"speaker":"Average Joe Finances","startTime":228.069,"endTime":232.187,"body":"conflict in a time of war, with the"},{"speaker":"Average Joe Finances","startTime":232.187,"endTime":234.955,"body":"Persian Gulf and everything that's"},{"speaker":"Average Joe Finances","startTime":232.187,"endTime":234.955,"body":"again, I just wanna say thank you cuz"},{"speaker":"Average Joe Finances","startTime":234.955,"endTime":236.684,"body":"that was not an easy time for anybody."},{"speaker":"Average Joe Finances","startTime":236.684,"endTime":240.473,"body":"I've served in the Navy for 20 years and"},{"speaker":"Average Joe Finances","startTime":236.684,"endTime":240.473,"body":"almost my entire career has been at war."},{"speaker":"Average Joe Finances","startTime":240.525,"endTime":243.17,"body":"So it's not, that's not an"},{"speaker":"Average Joe Finances","startTime":240.525,"endTime":243.17,"body":"easy thing to be a part of."},{"speaker":"Average Joe Finances","startTime":243.17,"endTime":243.95,"body":"Thank you for that."},{"speaker":"Average Joe Finances","startTime":243.95,"endTime":247.728,"body":"Now you got out, you took advantage of"},{"speaker":"Average Joe Finances","startTime":243.95,"endTime":247.728,"body":"the fact that you had your GI bill, and"},{"speaker":"Average Joe Finances","startTime":247.728,"endTime":252.195,"body":"you went to school and you know that"},{"speaker":"Average Joe Finances","startTime":247.728,"endTime":252.195,"body":"obviously from what, the way that you"},{"speaker":"Average Joe Finances","startTime":252.195,"endTime":255.823,"body":"worded it the, your majors didn't really"},{"speaker":"Average Joe Finances","startTime":252.195,"endTime":255.823,"body":"equate to anything that you can do on"},{"speaker":"Average Joe Finances","startTime":255.823,"endTime":259.152,"body":"the outside that would help you make"},{"speaker":"Average Joe Finances","startTime":255.823,"endTime":259.152,"body":"an income, that you were looking for."},{"speaker":"Average Joe Finances","startTime":259.352,"endTime":261.122,"body":"So you got into IT, right?"},{"speaker":"Average Joe Finances","startTime":261.122,"endTime":262.922,"body":"Because you bought that"},{"speaker":"Average Joe Finances","startTime":261.122,"endTime":262.922,"body":"computer again when you were"},{"speaker":"Average Joe Finances","startTime":262.922,"endTime":264.452,"body":"13 and learned how to program."},{"speaker":"Average Joe Finances","startTime":264.452,"endTime":268.413,"body":"Absolutely amazing that it just"},{"speaker":"Average Joe Finances","startTime":264.452,"endTime":268.413,"body":"resets back to your childhood, right?"},{"speaker":"Average Joe Finances","startTime":268.593,"endTime":271.503,"body":"One of the things that you learned about"},{"speaker":"Average Joe Finances","startTime":268.593,"endTime":271.503,"body":"when you were younger, it looks like"},{"speaker":"Average Joe Finances","startTime":271.503,"endTime":274.743,"body":"it became a passion of yours that you"},{"speaker":"Average Joe Finances","startTime":271.503,"endTime":274.743,"body":"were able to learn all that and then"},{"speaker":"Average Joe Finances","startTime":274.773,"endTime":276.243,"body":"take advantage of that into the future."},{"speaker":"Average Joe Finances","startTime":276.245,"endTime":280.178,"body":"Now with that being said, now you're"},{"speaker":"Average Joe Finances","startTime":276.245,"endTime":280.178,"body":"like in the personal finance space."},{"speaker":"Average Joe Finances","startTime":280.178,"endTime":283.518,"body":"And just looking at your background"},{"speaker":"Average Joe Finances","startTime":280.178,"endTime":283.518,"body":"and with where you're at right now,"},{"speaker":"Average Joe Finances","startTime":283.518,"endTime":286.53,"body":"you said you have this startup I'd"},{"speaker":"Average Joe Finances","startTime":283.518,"endTime":286.53,"body":"like to talk about that a little bit."},{"speaker":"Average Joe Finances","startTime":286.53,"endTime":288.507,"body":"What is the startup that you put together?"},{"speaker":"Tyson Koska","startTime":288.657,"endTime":291.907,"body":"Yeah, so it is a little"},{"speaker":"Tyson Koska","startTime":288.657,"endTime":291.907,"body":"strange that I'm in personal finance"},{"speaker":"Tyson Koska","startTime":291.907,"endTime":295.987,"body":"because nothing in that story that I"},{"speaker":"Tyson Koska","startTime":291.907,"endTime":295.987,"body":"just told you would lead you to think"},{"speaker":"Tyson Koska","startTime":295.987,"endTime":301.09,"body":"that that I would be here, but I had this"},{"speaker":"Tyson Koska","startTime":295.987,"endTime":301.09,"body":"very mechanical mindset and I, as soon"},{"speaker":"Tyson Koska","startTime":301.09,"endTime":306.944,"body":"as I entered Corporate IT, I realized I"},{"speaker":"Tyson Koska","startTime":301.09,"endTime":306.944,"body":"don't wanna do this until I'm 70 years"},{"speaker":"Tyson Koska","startTime":306.949,"endTime":311.614,"body":"old there, I just, the politics in"},{"speaker":"Tyson Koska","startTime":306.949,"endTime":311.614,"body":"Corporate IT,, the games you have to play."},{"speaker":"Tyson Koska","startTime":311.764,"endTime":314.726,"body":"When you work for big companies and"},{"speaker":"Tyson Koska","startTime":311.764,"endTime":314.726,"body":"this is true of being  a government"},{"speaker":"Tyson Koska","startTime":314.786,"endTime":318.731,"body":"employee working in large corporate"},{"speaker":"Tyson Koska","startTime":314.786,"endTime":318.731,"body":"America, whatever, when you're in a big"},{"speaker":"Tyson Koska","startTime":318.731,"endTime":322.951,"body":"organization, it's much less about how"},{"speaker":"Tyson Koska","startTime":318.731,"endTime":322.951,"body":"much work you do and about the things you"},{"speaker":"Tyson Koska","startTime":322.951,"endTime":324.762,"body":"do to make it look like you're doing work."},{"speaker":"Tyson Koska","startTime":325.022,"endTime":330.141,"body":"And I, it just, that game did not interest"},{"speaker":"Tyson Koska","startTime":325.022,"endTime":330.141,"body":"me and I, so I was always curious."},{"speaker":"Tyson Koska","startTime":330.441,"endTime":335.528,"body":"I wanted to know if I make this much now,"},{"speaker":"Tyson Koska","startTime":330.441,"endTime":335.528,"body":"and I'm putting this money here and I"},{"speaker":"Tyson Koska","startTime":335.528,"endTime":341.018,"body":"have this expectation of these expenses"},{"speaker":"Tyson Koska","startTime":335.528,"endTime":341.018,"body":"and what is that curve of my life?"},{"speaker":"Tyson Koska","startTime":341.018,"endTime":343.478,"body":"What does that trajectory"},{"speaker":"Tyson Koska","startTime":341.018,"endTime":343.478,"body":"of my life look like?"},{"speaker":"Tyson Koska","startTime":343.718,"endTime":348.848,"body":"And what is literally the precise date"},{"speaker":"Tyson Koska","startTime":343.718,"endTime":348.848,"body":"that I can quit this job, this high"},{"speaker":"Tyson Koska","startTime":348.848,"endTime":352.667,"body":"paying job and go work in a bookstore?"},{"speaker":"Tyson Koska","startTime":352.692,"endTime":356.466,"body":"I'm a little bit of a literary"},{"speaker":"Tyson Koska","startTime":352.692,"endTime":356.466,"body":"bookish kind of person in addition"},{"speaker":"Tyson Koska","startTime":356.466,"endTime":358.126,"body":"to being very engineering."},{"speaker":"Average Joe Finances","startTime":358.126,"endTime":358.636,"body":"I would hope so."},{"speaker":"Average Joe Finances","startTime":358.636,"endTime":360.256,"body":"You majored in English and Philosophy."},{"speaker":"Tyson Koska","startTime":360.406,"endTime":363.606,"body":"And, what's interesting"},{"speaker":"Tyson Koska","startTime":360.406,"endTime":363.606,"body":"that, the itch that IT scratches"},{"speaker":"Tyson Koska","startTime":363.606,"endTime":365.273,"body":"for me  is building something."},{"speaker":"Tyson Koska","startTime":365.393,"endTime":369.293,"body":"And I love looking at an application or a"},{"speaker":"Tyson Koska","startTime":365.393,"endTime":369.293,"body":"program that I've made and standing back"},{"speaker":"Tyson Koska","startTime":369.298,"endTime":373.542,"body":"and going, oh, I made that I come from"},{"speaker":"Tyson Koska","startTime":369.298,"endTime":373.542,"body":"a long line of carpenters and craftsman."},{"speaker":"Tyson Koska","startTime":373.662,"endTime":376.744,"body":"And so I always tell my dad"},{"speaker":"Tyson Koska","startTime":373.662,"endTime":376.744,"body":"he's a master carpenter."},{"speaker":"Tyson Koska","startTime":376.954,"endTime":378.664,"body":"I was like, I build things too."},{"speaker":"Tyson Koska","startTime":378.694,"endTime":381.515,"body":"It's just, they're in code"},{"speaker":"Tyson Koska","startTime":378.694,"endTime":381.515,"body":"and it scratches that itch."},{"speaker":"Tyson Koska","startTime":381.635,"endTime":384.215,"body":"Anyway, so yeah, I'm a little"},{"speaker":"Tyson Koska","startTime":381.635,"endTime":384.215,"body":"bit bookish and I always thought"},{"speaker":"Tyson Koska","startTime":384.215,"endTime":385.67,"body":"when can I quit this job?"},{"speaker":"Tyson Koska","startTime":385.723,"endTime":388.783,"body":"And then just like I said, working"},{"speaker":"Tyson Koska","startTime":385.723,"endTime":388.783,"body":"whatever in a coffee shop, whatever."},{"speaker":"Tyson Koska","startTime":388.942,"endTime":389.482,"body":"And."},{"speaker":"Tyson Koska","startTime":389.782,"endTime":390.622,"body":"Nothing existed."},{"speaker":"Tyson Koska","startTime":390.922,"endTime":392.945,"body":"And I looked, there's"},{"speaker":"Tyson Koska","startTime":390.922,"endTime":392.945,"body":"lots of budgeting tools."},{"speaker":"Tyson Koska","startTime":392.945,"endTime":396.389,"body":"There's lots of stuff gets you"},{"speaker":"Tyson Koska","startTime":392.945,"endTime":396.389,"body":"outta debt or gets you focused."},{"speaker":"Tyson Koska","startTime":396.389,"endTime":399.507,"body":"But the line that they draw"},{"speaker":"Tyson Koska","startTime":396.389,"endTime":399.507,"body":"into the future is very short."},{"speaker":"Tyson Koska","startTime":399.807,"endTime":402.652,"body":"Now there are other kinds of programs"},{"speaker":"Tyson Koska","startTime":399.807,"endTime":402.652,"body":"they're called either retirement"},{"speaker":"Tyson Koska","startTime":402.652,"endTime":404.099,"body":"calculators something like that."},{"speaker":"Tyson Koska","startTime":404.299,"endTime":406.858,"body":"But they're like, you"},{"speaker":"Tyson Koska","startTime":404.299,"endTime":406.858,"body":"put in what am I making?"},{"speaker":"Tyson Koska","startTime":407.128,"endTime":411.368,"body":"And then you don't have any chance"},{"speaker":"Tyson Koska","startTime":407.128,"endTime":411.368,"body":"to say I'm making this now, in two"},{"speaker":"Tyson Koska","startTime":411.368,"endTime":414.735,"body":"years my wife, we were gonna have a"},{"speaker":"Tyson Koska","startTime":411.368,"endTime":414.735,"body":"family and she's gonna stop working."},{"speaker":"Tyson Koska","startTime":414.809,"endTime":417.219,"body":"There's just no flexibility"},{"speaker":"Tyson Koska","startTime":414.809,"endTime":417.219,"body":"in the modeling."},{"speaker":"Tyson Koska","startTime":417.369,"endTime":422.799,"body":"And so you have a choice between doing"},{"speaker":"Tyson Koska","startTime":417.369,"endTime":422.799,"body":"really detailed budgeting stuff and"},{"speaker":"Tyson Koska","startTime":422.799,"endTime":427.899,"body":"getting a short term, maybe six month"},{"speaker":"Tyson Koska","startTime":422.799,"endTime":427.899,"body":"plan or whatever one year view or putting"},{"speaker":"Tyson Koska","startTime":427.899,"endTime":432.058,"body":"very broad assumptions in and getting"},{"speaker":"Tyson Koska","startTime":427.899,"endTime":432.058,"body":"this long term view, neither, which in"},{"speaker":"Tyson Koska","startTime":432.058,"endTime":436.468,"body":"my opinion, gives you any idea, the path,"},{"speaker":"Tyson Koska","startTime":432.058,"endTime":436.468,"body":"the real financial path that you're on."},{"speaker":"Tyson Koska","startTime":436.63,"endTime":441.094,"body":"So I would say for the first decade that"},{"speaker":"Tyson Koska","startTime":436.63,"endTime":441.094,"body":"I was in IT, I was just like, waiting"},{"speaker":"Tyson Koska","startTime":441.294,"endTime":445.254,"body":"for someone to write the software, the"},{"speaker":"Tyson Koska","startTime":441.294,"endTime":445.254,"body":"internet got bigger and more important."},{"speaker":"Tyson Koska","startTime":445.404,"endTime":449.731,"body":"And I'll never forget the moment I"},{"speaker":"Tyson Koska","startTime":445.404,"endTime":449.731,"body":"decided I was gonna work on this software."},{"speaker":"Tyson Koska","startTime":450.031,"endTime":453.401,"body":"Was my wife, we had a young"},{"speaker":"Tyson Koska","startTime":450.031,"endTime":453.401,"body":"daughter and my wife came and said,"},{"speaker":"Tyson Koska","startTime":453.551,"endTime":454.811,"body":"we're gonna have another, child."},{"speaker":"Tyson Koska","startTime":455.051,"endTime":456.251,"body":"And I was like, oh, that's great."},{"speaker":"Tyson Koska","startTime":456.551,"endTime":458.231,"body":"I'm gonna need another 529 plan."},{"speaker":"Tyson Koska","startTime":458.231,"endTime":460.001,"body":"I'm gonna need, we need a bigger house."},{"speaker":"Tyson Koska","startTime":460.006,"endTime":462.161,"body":"If we get a bigger house,"},{"speaker":"Tyson Koska","startTime":460.006,"endTime":462.161,"body":"let's move out to the burbs."},{"speaker":"Tyson Koska","startTime":462.161,"endTime":462.911,"body":"We're gonna need another car."},{"speaker":"Tyson Koska","startTime":462.971,"endTime":464.321,"body":"You like all these variables."},{"speaker":"Tyson Koska","startTime":464.621,"endTime":466.151,"body":"And I was like, you know"},{"speaker":"Tyson Koska","startTime":464.621,"endTime":466.151,"body":"what, I'm gonna write."},{"speaker":"Tyson Koska","startTime":466.368,"endTime":467.148,"body":"I'm a software engineer."},{"speaker":"Tyson Koska","startTime":467.358,"endTime":472.305,"body":"I'm gonna write software that answers"},{"speaker":"Tyson Koska","startTime":467.358,"endTime":472.305,"body":"the questions and it's just about me."},{"speaker":"Tyson Koska","startTime":472.395,"endTime":476.475,"body":"I'm just gonna write this very complex"},{"speaker":"Tyson Koska","startTime":472.395,"endTime":476.475,"body":"program and it ended up getting so"},{"speaker":"Tyson Koska","startTime":476.475,"endTime":479.925,"body":"complex, so fast, I went to some"},{"speaker":"Tyson Koska","startTime":476.475,"endTime":479.925,"body":"other programmer friends and I was"},{"speaker":"Tyson Koska","startTime":479.925,"endTime":483.015,"body":"like, Hey guys, would you like to"},{"speaker":"Tyson Koska","startTime":479.925,"endTime":483.015,"body":"have a tool where you can put in"},{"speaker":"Tyson Koska","startTime":483.015,"endTime":485.595,"body":"these various income streams, they"},{"speaker":"Tyson Koska","startTime":483.015,"endTime":485.595,"body":"start, they stop and they change."},{"speaker":"Tyson Koska","startTime":485.775,"endTime":488.895,"body":"And then these expense streams and the"},{"speaker":"Tyson Koska","startTime":485.775,"endTime":488.895,"body":"big ones and small ones, and you can"},{"speaker":"Tyson Koska","startTime":488.895,"endTime":493.145,"body":"put in your account structure and your"},{"speaker":"Tyson Koska","startTime":488.895,"endTime":493.145,"body":"529 playing your 401k or whatever,"},{"speaker":"Tyson Koska","startTime":493.355,"endTime":495.545,"body":"and you change your contributions"},{"speaker":"Tyson Koska","startTime":493.355,"endTime":495.545,"body":"and you can change it and you can"},{"speaker":"Tyson Koska","startTime":495.545,"endTime":497.855,"body":"see how the line, that line changes."},{"speaker":"Tyson Koska","startTime":497.855,"endTime":500.105,"body":"And then you can put in what"},{"speaker":"Tyson Koska","startTime":497.855,"endTime":500.105,"body":"if scenarios and they're like,"},{"speaker":"Tyson Koska","startTime":500.135,"endTime":501.39,"body":"oh, that, that has to exist."},{"speaker":"Tyson Koska","startTime":501.57,"endTime":504.91,"body":"I was like, if, look, if it exists,"},{"speaker":"Tyson Koska","startTime":501.57,"endTime":504.91,"body":"please show me, cuz that's what I want."},{"speaker":"Tyson Koska","startTime":505.21,"endTime":506.65,"body":"And then I don't have to write it."},{"speaker":"Tyson Koska","startTime":506.95,"endTime":508.3,"body":"They looked, they couldn't find it."},{"speaker":"Tyson Koska","startTime":508.3,"endTime":509.29,"body":"They're like we want this too."},{"speaker":"Tyson Koska","startTime":509.44,"endTime":512.95,"body":"So the three of us, we began"},{"speaker":"Tyson Koska","startTime":509.44,"endTime":512.95,"body":"this company back in 2014."},{"speaker":"Tyson Koska","startTime":513.1,"endTime":517.601,"body":"And so yeah, it's been a while, but"},{"speaker":"Tyson Koska","startTime":513.1,"endTime":517.601,"body":"we did it on the side for years and"},{"speaker":"Tyson Koska","startTime":517.751,"endTime":520.797,"body":"we would just, code on the weekends"},{"speaker":"Tyson Koska","startTime":517.751,"endTime":520.797,"body":"and holidays and that's my gig now."},{"speaker":"Average Joe Finances","startTime":520.959,"endTime":522.219,"body":"Yeah, that's fantastic."},{"speaker":"Average Joe Finances","startTime":522.232,"endTime":525.212,"body":"By creating this, so it's"},{"speaker":"Average Joe Finances","startTime":522.232,"endTime":525.212,"body":"on trajectory.com, right?"},{"speaker":"Tyson Koska","startTime":525.282,"endTime":525.372,"body":"Yep."},{"speaker":"Average Joe Finances","startTime":525.4,"endTime":526.05,"body":"Is the website."},{"speaker":"Average Joe Finances","startTime":526.05,"endTime":530.882,"body":"So by creating this software and these"},{"speaker":"Average Joe Finances","startTime":526.05,"endTime":530.882,"body":"tools that, that people can use to plug"},{"speaker":"Average Joe Finances","startTime":530.887,"endTime":536.286,"body":"in all that different data and it gives"},{"speaker":"Average Joe Finances","startTime":530.887,"endTime":536.286,"body":"them like a good idea of that date"},{"speaker":"Average Joe Finances","startTime":536.286,"endTime":537.976,"body":"that they can walk away from that W2."},{"speaker":"Average Joe Finances","startTime":537.981,"endTime":542.761,"body":"As you guys put this together and you're"},{"speaker":"Average Joe Finances","startTime":537.981,"endTime":542.761,"body":"gearing yourself up to get closer to that"},{"speaker":"Average Joe Finances","startTime":542.766,"endTime":546.277,"body":"date as well cuz you said you started"},{"speaker":"Average Joe Finances","startTime":542.766,"endTime":546.277,"body":"this off as a side thing, did you turn"},{"speaker":"Average Joe Finances","startTime":546.277,"endTime":550.459,"body":"this into something that became more"},{"speaker":"Average Joe Finances","startTime":546.277,"endTime":550.459,"body":"of like a way to build passive income"},{"speaker":"Average Joe Finances","startTime":550.459,"endTime":554.752,"body":"as well, to help you with your date of"},{"speaker":"Average Joe Finances","startTime":550.459,"endTime":554.752,"body":"okay, here's the time that I can finally"},{"speaker":"Average Joe Finances","startTime":554.752,"endTime":558.29,"body":"walk away from my W2 because I've got"},{"speaker":"Average Joe Finances","startTime":554.752,"endTime":558.29,"body":"this project that I've been working"},{"speaker":"Average Joe Finances","startTime":558.29,"endTime":562.49,"body":"on, that's gonna bring in some income"},{"speaker":"Average Joe Finances","startTime":558.29,"endTime":562.49,"body":"plus what I've been investing based off"},{"speaker":"Average Joe Finances","startTime":562.495,"endTime":564.625,"body":"of the data that I put into this tool."},{"speaker":"Average Joe Finances","startTime":564.652,"endTime":569.392,"body":"So I know that on this date, I can walk"},{"speaker":"Average Joe Finances","startTime":564.652,"endTime":569.392,"body":"away from my W2 and me and my family"},{"speaker":"Average Joe Finances","startTime":569.662,"endTime":572.214,"body":"are in a good place to be on that date."},{"speaker":"Tyson Koska","startTime":572.38,"endTime":575.59,"body":"So that's very insightful,"},{"speaker":"Tyson Koska","startTime":572.38,"endTime":575.59,"body":"cuz that's exactly what happened was"},{"speaker":"Tyson Koska","startTime":575.86,"endTime":581.23,"body":"my effort to find the date, birth"},{"speaker":"Tyson Koska","startTime":575.86,"endTime":581.23,"body":"the thing that helped me actually"},{"speaker":"Tyson Koska","startTime":581.26,"endTime":582.76,"body":"accelerate the date a little bit."},{"speaker":"Tyson Koska","startTime":582.81,"endTime":585.356,"body":"And it and it's not been all success."},{"speaker":"Tyson Koska","startTime":585.416,"endTime":587.426,"body":"I don't want you to think, like"},{"speaker":"Tyson Koska","startTime":585.416,"endTime":587.426,"body":"I invented this tool and like"},{"speaker":"Tyson Koska","startTime":587.636,"endTime":590.066,"body":"it was gangbusters back in 2018."},{"speaker":"Tyson Koska","startTime":590.066,"endTime":592.316,"body":"So it was about four years"},{"speaker":"Tyson Koska","startTime":590.066,"endTime":592.316,"body":"after we started the project."},{"speaker":"Tyson Koska","startTime":592.616,"endTime":596.396,"body":"I went to my wife and I"},{"speaker":"Tyson Koska","startTime":592.616,"endTime":596.396,"body":"was like, I am so tired."},{"speaker":"Tyson Koska","startTime":596.696,"endTime":602.475,"body":"So I just, I can't go to another status"},{"speaker":"Tyson Koska","startTime":596.696,"endTime":602.475,"body":"meeting with my manager and talk I'm"},{"speaker":"Tyson Koska","startTime":602.475,"endTime":606.346,"body":"just I was just, I was mentally exhausted"},{"speaker":"Tyson Koska","startTime":602.475,"endTime":606.346,"body":"and I, and this is rare in IT, but I"},{"speaker":"Tyson Koska","startTime":606.351,"endTime":608.056,"body":"was at the same company for 20 years."},{"speaker":"Tyson Koska","startTime":608.356,"endTime":613.036,"body":"When I left, I was on the same project for"},{"speaker":"Tyson Koska","startTime":608.356,"endTime":613.036,"body":"10 years, which is a really long project."},{"speaker":"Tyson Koska","startTime":613.226,"endTime":616.052,"body":"And she's maybe you just need to,"},{"speaker":"Tyson Koska","startTime":613.226,"endTime":616.052,"body":"find a different project or maybe"},{"speaker":"Tyson Koska","startTime":616.142,"endTime":617.402,"body":"looking your look for another job."},{"speaker":"Tyson Koska","startTime":617.616,"endTime":620.084,"body":"I was like, no, I was like, we're,"},{"speaker":"Tyson Koska","startTime":617.616,"endTime":620.084,"body":"on trajectories, we got a little"},{"speaker":"Tyson Koska","startTime":620.084,"endTime":624.046,"body":"cashflow coming in and it's coming in"},{"speaker":"Tyson Koska","startTime":620.084,"endTime":624.046,"body":"without me really, doing it full time."},{"speaker":"Tyson Koska","startTime":624.346,"endTime":627.406,"body":"I'm just gonna quit my job"},{"speaker":"Tyson Koska","startTime":624.346,"endTime":627.406,"body":"and, see what happened."},{"speaker":"Tyson Koska","startTime":627.406,"endTime":628.456,"body":"She's can we afford that?"},{"speaker":"Tyson Koska","startTime":628.456,"endTime":629.659,"body":"I was like let me show you."},{"speaker":"Tyson Koska","startTime":629.659,"endTime":630.769,"body":"Here's the chart."},{"speaker":"Tyson Koska","startTime":630.974,"endTime":632.204,"body":"And I showed her all the inputs."},{"speaker":"Tyson Koska","startTime":632.204,"endTime":635.864,"body":"I showed her all the outputs and I"},{"speaker":"Tyson Koska","startTime":632.204,"endTime":635.864,"body":"said, look, as long as we hit this"},{"speaker":"Tyson Koska","startTime":635.864,"endTime":639.794,"body":"number by this date, then we're okay."},{"speaker":"Tyson Koska","startTime":640.094,"endTime":641.937,"body":"And she's oh, okay, go ahead."},{"speaker":"Tyson Koska","startTime":641.937,"endTime":642.657,"body":"Quit your job."},{"speaker":"Tyson Koska","startTime":642.957,"endTime":644.997,"body":"And I was like, oh, okay, great."},{"speaker":"Tyson Koska","startTime":645.187,"endTime":647.946,"body":"It's this, this thing that"},{"speaker":"Tyson Koska","startTime":645.187,"endTime":647.946,"body":"lets people come together and"},{"speaker":"Tyson Koska","startTime":648.246,"endTime":649.386,"body":"reach certain conclusions."},{"speaker":"Tyson Koska","startTime":649.566,"endTime":650.256,"body":"And that was just great."},{"speaker":"Tyson Koska","startTime":650.256,"endTime":652.356,"body":"And cuz if I tried to put my"},{"speaker":"Tyson Koska","startTime":650.256,"endTime":652.356,"body":"job, my wife wasn't on board,"},{"speaker":"Tyson Koska","startTime":652.566,"endTime":653.833,"body":"that's gonna be, not great."},{"speaker":"Tyson Koska","startTime":653.983,"endTime":654.433,"body":"So yeah."},{"speaker":"Tyson Koska","startTime":654.433,"endTime":656.923,"body":"So that's so it did and"},{"speaker":"Tyson Koska","startTime":654.433,"endTime":656.923,"body":"you know what happened?"},{"speaker":"Tyson Koska","startTime":656.953,"endTime":658.333,"body":"I failed, I didn't get it."},{"speaker":"Tyson Koska","startTime":658.333,"endTime":659.833,"body":"So in 2019 I went back."},{"speaker":"Average Joe Finances","startTime":660.257,"endTime":660.557,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":660.557,"endTime":661.007,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":661.057,"endTime":664.821,"body":"That's that's a humbling experience"},{"speaker":"Average Joe Finances","startTime":661.057,"endTime":664.821,"body":"for sure Tyson, because you had this"},{"speaker":"Average Joe Finances","startTime":664.821,"endTime":669.865,"body":"goal set and you dove right in and"},{"speaker":"Average Joe Finances","startTime":664.821,"endTime":669.865,"body":"you didn't quite get there, but you"},{"speaker":"Average Joe Finances","startTime":669.865,"endTime":674.45,"body":"were able to realize, Hey, okay, I"},{"speaker":"Average Joe Finances","startTime":669.865,"endTime":674.45,"body":"fudged this one up a little bit, gotta"},{"speaker":"Average Joe Finances","startTime":674.45,"endTime":676.16,"body":"go back to work and make this work."},{"speaker":"Average Joe Finances","startTime":676.16,"endTime":678.683,"body":"So the fact that you were"},{"speaker":"Average Joe Finances","startTime":676.16,"endTime":678.683,"body":"able to recognize that and"},{"speaker":"Average Joe Finances","startTime":678.688,"endTime":680.273,"body":"not try to keep pushing.."},{"speaker":"Tyson Koska","startTime":680.573,"endTime":681.803,"body":"Well, it"},{"speaker":"Tyson Koska","startTime":680.573,"endTime":681.803,"body":"was very not emotional."},{"speaker":"Tyson Koska","startTime":682.046,"endTime":683.426,"body":"That's what the tool did for us."},{"speaker":"Tyson Koska","startTime":683.456,"endTime":687.275,"body":"Was she, she's like she bought in because"},{"speaker":"Tyson Koska","startTime":683.456,"endTime":687.275,"body":"she knew if that number's not there,"},{"speaker":"Tyson Koska","startTime":687.275,"endTime":690.375,"body":"then, and which we haven't gotten into it."},{"speaker":"Tyson Koska","startTime":690.675,"endTime":693.195,"body":"But for me, it's all about peace of mind."},{"speaker":"Tyson Koska","startTime":693.495,"endTime":697.995,"body":"It's about the feeling of peace in"},{"speaker":"Tyson Koska","startTime":693.495,"endTime":697.995,"body":"your financial life, which I don't"},{"speaker":"Tyson Koska","startTime":697.995,"endTime":699.255,"body":"know if you know the statistic or not."},{"speaker":"Tyson Koska","startTime":699.435,"endTime":703.875,"body":"73% of Americans, financial stress"},{"speaker":"Tyson Koska","startTime":699.435,"endTime":703.875,"body":"is the top stressor in their life."},{"speaker":"Average Joe Finances","startTime":704.041,"endTime":706.176,"body":"Oh I believe"},{"speaker":"Average Joe Finances","startTime":704.041,"endTime":706.176,"body":"that actually Tyson let's get into"},{"speaker":"Average Joe Finances","startTime":706.176,"endTime":711.04,"body":"that because I'd love to talk about"},{"speaker":"Average Joe Finances","startTime":706.176,"endTime":711.04,"body":"how mindfulness is tied to somebody, an"},{"speaker":"Average Joe Finances","startTime":711.045,"endTime":712.93,"body":"individual with their personal finances."},{"speaker":"Average Joe Finances","startTime":712.93,"endTime":714.656,"body":"So can you elaborate on"},{"speaker":"Average Joe Finances","startTime":712.93,"endTime":714.656,"body":"that a little bit more?"},{"speaker":"Tyson Koska","startTime":714.806,"endTime":718.096,"body":"So I was, I was,"},{"speaker":"Tyson Koska","startTime":714.806,"endTime":718.096,"body":"like 73% of Americans, I was"},{"speaker":"Tyson Koska","startTime":718.096,"endTime":720.046,"body":"like, can I buy the latte?"},{"speaker":"Tyson Koska","startTime":720.061,"endTime":721.397,"body":"The whole, whole coffee thing."},{"speaker":"Tyson Koska","startTime":721.547,"endTime":725.438,"body":"And you question, every decision,"},{"speaker":"Tyson Koska","startTime":721.547,"endTime":725.438,"body":"you go on a vacation and you're"},{"speaker":"Tyson Koska","startTime":725.438,"endTime":727.978,"body":"like, you want $8 for a hotdog?."},{"speaker":"Tyson Koska","startTime":728.148,"endTime":732.298,"body":"And you're like, it's it just,"},{"speaker":"Tyson Koska","startTime":728.148,"endTime":732.298,"body":"it saps the fun out of living"},{"speaker":"Tyson Koska","startTime":732.453,"endTime":733.353,"body":"when you're going through."},{"speaker":"Tyson Koska","startTime":733.353,"endTime":734.553,"body":"And you're like, can I afford this?"},{"speaker":"Tyson Koska","startTime":734.558,"endTime":735.234,"body":"Can I do this?"},{"speaker":"Tyson Koska","startTime":735.284,"endTime":736.004,"body":"Having a plan."},{"speaker":"Tyson Koska","startTime":736.034,"endTime":738.419,"body":"And I'm not even talking about"},{"speaker":"Tyson Koska","startTime":736.034,"endTime":738.419,"body":"on trajectory, I'm talking"},{"speaker":"Tyson Koska","startTime":738.419,"endTime":740.069,"body":"about having a financial plan."},{"speaker":"Tyson Koska","startTime":740.369,"endTime":745.41,"body":"What having a financial plan does for"},{"speaker":"Tyson Koska","startTime":740.369,"endTime":745.41,"body":"you is it takes all that questioning out"},{"speaker":"Tyson Koska","startTime":745.62,"endTime":748.565,"body":"and  it literally helps you live a life."},{"speaker":"Tyson Koska","startTime":748.775,"endTime":752.265,"body":"That's more mindful because you can"},{"speaker":"Tyson Koska","startTime":748.775,"endTime":752.265,"body":"be in the moment and not thinking"},{"speaker":"Tyson Koska","startTime":752.265,"endTime":756.255,"body":"about six months from now, what is"},{"speaker":"Tyson Koska","startTime":752.265,"endTime":756.255,"body":"this impact or six years from now?"},{"speaker":"Tyson Koska","startTime":756.375,"endTime":757.065,"body":"What is the impact?"},{"speaker":"Tyson Koska","startTime":757.245,"endTime":760.305,"body":"It gives you freedom to actually live"},{"speaker":"Tyson Koska","startTime":757.245,"endTime":760.305,"body":"in the moments that you're living in."},{"speaker":"Tyson Koska","startTime":760.545,"endTime":765.595,"body":"Because if you're not living in this"},{"speaker":"Tyson Koska","startTime":760.545,"endTime":765.595,"body":"moment, you're not living, in my opinion."},{"speaker":"Average Joe Finances","startTime":765.895,"endTime":767.575,"body":"I love that"},{"speaker":"Average Joe Finances","startTime":765.895,"endTime":767.575,"body":"you have to live in the moment."},{"speaker":"Average Joe Finances","startTime":767.575,"endTime":769.165,"body":"You have to have that peace of mind."},{"speaker":"Average Joe Finances","startTime":769.185,"endTime":773.443,"body":"If you don't have that peace of mind, how"},{"speaker":"Average Joe Finances","startTime":769.185,"endTime":773.443,"body":"can you live comfortably in that moment?"},{"speaker":"Average Joe Finances","startTime":773.443,"endTime":776.432,"body":"You could live in the moment all day,"},{"speaker":"Average Joe Finances","startTime":773.443,"endTime":776.432,"body":"but you'd be stressing about your"},{"speaker":"Average Joe Finances","startTime":776.432,"endTime":778.459,"body":"finances and how do you call that living?"},{"speaker":"Average Joe Finances","startTime":778.493,"endTime":779.385,"body":"So that's a great point."},{"speaker":"Average Joe Finances","startTime":779.39,"endTime":783.71,"body":"Like you have to have this clear"},{"speaker":"Average Joe Finances","startTime":779.39,"endTime":783.71,"body":"peace of mind when it comes"},{"speaker":"Average Joe Finances","startTime":783.71,"endTime":785.34,"body":"to wherever you're at in life."},{"speaker":"Average Joe Finances","startTime":785.37,"endTime":790.8,"body":"And one of the best ways to have that"},{"speaker":"Average Joe Finances","startTime":785.37,"endTime":790.8,"body":"is to know that you have enough to be"},{"speaker":"Average Joe Finances","startTime":790.8,"endTime":794.61,"body":"able to take care of yourself and your"},{"speaker":"Average Joe Finances","startTime":790.8,"endTime":794.61,"body":"family and not have to worry about that."},{"speaker":"Average Joe Finances","startTime":794.61,"endTime":796.35,"body":"That relieves so much stress."},{"speaker":"Average Joe Finances","startTime":796.53,"endTime":797.52,"body":"And like you said, what was the number?"},{"speaker":"Average Joe Finances","startTime":797.52,"endTime":798.75,"body":"73%?"},{"speaker":"Average Joe Finances","startTime":798.9,"endTime":799.77,"body":"Of Americans, right?"},{"speaker":"Average Joe Finances","startTime":799.787,"endTime":801.527,"body":"That's their number one stressor."},{"speaker":"Average Joe Finances","startTime":801.588,"endTime":806.002,"body":"I would say that's probably a good"},{"speaker":"Average Joe Finances","startTime":801.588,"endTime":806.002,"body":"indicator worldwide as well, because this"},{"speaker":"Average Joe Finances","startTime":806.002,"endTime":808.306,"body":"doesn't pertain just to Americans, right?"},{"speaker":"Average Joe Finances","startTime":808.306,"endTime":812.236,"body":"If having financial peace is important to"},{"speaker":"Average Joe Finances","startTime":808.306,"endTime":812.236,"body":"anyone, no matter where you are, right?"},{"speaker":"Average Joe Finances","startTime":812.536,"endTime":817.006,"body":"You wanna know that you can live"},{"speaker":"Average Joe Finances","startTime":812.536,"endTime":817.006,"body":"and enjoy your life and not have to"},{"speaker":"Average Joe Finances","startTime":817.006,"endTime":819.166,"body":"worry about whether or not you could"},{"speaker":"Average Joe Finances","startTime":817.006,"endTime":819.166,"body":"put food on the table, whether or"},{"speaker":"Average Joe Finances","startTime":819.166,"endTime":822.76,"body":"not you can afford to go get that"},{"speaker":"Average Joe Finances","startTime":819.166,"endTime":822.76,"body":"coffee today or anything like that."},{"speaker":"Average Joe Finances","startTime":822.764,"endTime":824.474,"body":"Talking about that, okay."},{"speaker":"Average Joe Finances","startTime":824.534,"endTime":828.617,"body":"As you're trying to live life and"},{"speaker":"Average Joe Finances","startTime":824.534,"endTime":828.617,"body":"experience life, how do you deal"},{"speaker":"Average Joe Finances","startTime":828.617,"endTime":831.316,"body":"with like, when you're planning for"},{"speaker":"Average Joe Finances","startTime":828.617,"endTime":831.316,"body":"your financial future,  Because,"},{"speaker":"Average Joe Finances","startTime":831.358,"endTime":834.207,"body":"like a lot of people are very"},{"speaker":"Average Joe Finances","startTime":831.358,"endTime":834.207,"body":"much oh, you only live once."},{"speaker":"Average Joe Finances","startTime":834.212,"endTime":835.621,"body":"That whole YOLO mindset."},{"speaker":"Average Joe Finances","startTime":835.771,"endTime":838.954,"body":"And it's I wanna spend"},{"speaker":"Average Joe Finances","startTime":835.771,"endTime":838.954,"body":"my money now while I can."},{"speaker":"Average Joe Finances","startTime":839.104,"endTime":840.724,"body":"And they rack up all this debt."},{"speaker":"Average Joe Finances","startTime":840.791,"endTime":842.771,"body":"And then you have other people, the"},{"speaker":"Average Joe Finances","startTime":840.791,"endTime":842.771,"body":"other side of the spectrum where"},{"speaker":"Average Joe Finances","startTime":842.776,"endTime":845.698,"body":"people are like, they have that fear"},{"speaker":"Average Joe Finances","startTime":842.776,"endTime":845.698,"body":"of missing out Hey, if I don't, put"},{"speaker":"Average Joe Finances","startTime":845.728,"endTime":847.996,"body":"my money into something, the what if."},{"speaker":"Average Joe Finances","startTime":848.173,"endTime":851.394,"body":"One of the things I liked that you"},{"speaker":"Average Joe Finances","startTime":848.173,"endTime":851.394,"body":"mentioned too earlier on is that your"},{"speaker":"Average Joe Finances","startTime":851.544,"endTime":853.004,"body":"software has a, what if scenario?"},{"speaker":"Average Joe Finances","startTime":853.034,"endTime":856.511,"body":"So like you can figure out the, what"},{"speaker":"Average Joe Finances","startTime":853.034,"endTime":856.511,"body":"if this, what if that you can plug"},{"speaker":"Average Joe Finances","startTime":856.511,"endTime":858.033,"body":"it all in and get that figured out."},{"speaker":"Average Joe Finances","startTime":858.033,"endTime":861.772,"body":"So how do you deal with those situations,"},{"speaker":"Average Joe Finances","startTime":858.033,"endTime":861.772,"body":"when you're planning your financial"},{"speaker":"Average Joe Finances","startTime":861.772,"endTime":863.962,"body":"future with both the FOMO and the YOLO?"},{"speaker":"Tyson Koska","startTime":864.15,"endTime":865.95,"body":"Yeah, and this takes work."},{"speaker":"Tyson Koska","startTime":866.04,"endTime":869.862,"body":"I'm not gonna say, and I'm not"},{"speaker":"Tyson Koska","startTime":866.04,"endTime":869.862,"body":"gonna say I was there at 18 or 20."},{"speaker":"Tyson Koska","startTime":869.862,"endTime":872.691,"body":"Maybe by 22, 23, I got there emotionally."},{"speaker":"Tyson Koska","startTime":872.841,"endTime":874.671,"body":"But it's about valuing value."},{"speaker":"Tyson Koska","startTime":874.971,"endTime":878.901,"body":"It's about aligning what is"},{"speaker":"Tyson Koska","startTime":874.971,"endTime":878.901,"body":"truly important to you in"},{"speaker":"Tyson Koska","startTime":878.901,"endTime":881.871,"body":"life and living that way?"},{"speaker":"Tyson Koska","startTime":882.044,"endTime":887.004,"body":"I'm sure there are people that the thing"},{"speaker":"Tyson Koska","startTime":882.044,"endTime":887.004,"body":"they value absolutely the most in life is"},{"speaker":"Tyson Koska","startTime":887.004,"endTime":892.295,"body":"getting messed up on expensive cocktails"},{"speaker":"Tyson Koska","startTime":887.004,"endTime":892.295,"body":"at a overpriced restaurant someplace and"},{"speaker":"Tyson Koska","startTime":892.295,"endTime":893.978,"body":"it's sweaty and you're stuffed in there."},{"speaker":"Tyson Koska","startTime":894.278,"endTime":896.218,"body":"I'm sure there are people that have that."},{"speaker":"Tyson Koska","startTime":896.518,"endTime":900.998,"body":"But I think probably if you ask most"},{"speaker":"Tyson Koska","startTime":896.518,"endTime":900.998,"body":"people, they would say friendships,"},{"speaker":"Tyson Koska","startTime":900.998,"endTime":905.318,"body":"relationships special outings or"},{"speaker":"Tyson Koska","startTime":900.998,"endTime":905.318,"body":"and an outing again, doesn't have"},{"speaker":"Tyson Koska","startTime":905.318,"endTime":908.053,"body":"to be in a sweaty, but sometimes"},{"speaker":"Tyson Koska","startTime":905.318,"endTime":908.053,"body":"you do wanna go sweat and dancing,"},{"speaker":"Tyson Koska","startTime":908.053,"endTime":908.903,"body":"whatever, I know I get that."},{"speaker":"Tyson Koska","startTime":908.925,"endTime":911.935,"body":"But even that, you can be smart"},{"speaker":"Tyson Koska","startTime":908.925,"endTime":911.935,"body":"about that experience as well."},{"speaker":"Tyson Koska","startTime":912.175,"endTime":917.758,"body":"It's for me, it's about when I talk"},{"speaker":"Tyson Koska","startTime":912.175,"endTime":917.758,"body":"about financial independence or fire"},{"speaker":"Tyson Koska","startTime":917.758,"endTime":920.698,"body":"or any of those sort of, or concepts."},{"speaker":"Tyson Koska","startTime":920.998,"endTime":924.968,"body":"The frugality piece is not"},{"speaker":"Tyson Koska","startTime":920.998,"endTime":924.968,"body":"interesting to me at all."},{"speaker":"Tyson Koska","startTime":925.118,"endTime":926.648,"body":"Because it's not about being cheap."},{"speaker":"Tyson Koska","startTime":926.918,"endTime":929.408,"body":"It's not about, giving something up."},{"speaker":"Tyson Koska","startTime":929.708,"endTime":935.378,"body":"What it's about is realizing, here are the"},{"speaker":"Tyson Koska","startTime":929.708,"endTime":935.378,"body":"things I want in my life, and I'm actually"},{"speaker":"Tyson Koska","startTime":935.618,"endTime":942.188,"body":"investing in activities and actions, and"},{"speaker":"Tyson Koska","startTime":935.618,"endTime":942.188,"body":"I'm doing things that is gonna expand."},{"speaker":"Tyson Koska","startTime":942.388,"endTime":946.358,"body":"Honestly, I think that we talk"},{"speaker":"Tyson Koska","startTime":942.388,"endTime":946.358,"body":"about compound interest a lot."},{"speaker":"Tyson Koska","startTime":946.41,"endTime":949.067,"body":"You get interest on your interest"},{"speaker":"Tyson Koska","startTime":946.41,"endTime":949.067,"body":"because the way things are,"},{"speaker":"Tyson Koska","startTime":949.263,"endTime":950.343,"body":"it's the same for happiness."},{"speaker":"Tyson Koska","startTime":950.343,"endTime":951.243,"body":"It's the same for peace of mind."},{"speaker":"Tyson Koska","startTime":951.543,"endTime":952.263,"body":"Compounds."},{"speaker":"Tyson Koska","startTime":952.323,"endTime":954.783,"body":"Smiles compound, Goodwill compounds."},{"speaker":"Tyson Koska","startTime":955.083,"endTime":959.733,"body":"And if you can get yourself into a"},{"speaker":"Tyson Koska","startTime":955.083,"endTime":959.733,"body":"mindset where We're gonna go for a hike."},{"speaker":"Tyson Koska","startTime":959.733,"endTime":963.157,"body":"We're gonna do a potluck we're gonna,"},{"speaker":"Tyson Koska","startTime":959.733,"endTime":963.157,"body":"I've had more fun at a good, well"},{"speaker":"Tyson Koska","startTime":963.157,"endTime":967.775,"body":"done potluck, than I have in in, in"},{"speaker":"Tyson Koska","startTime":963.157,"endTime":967.775,"body":"any club, probably because, you're,"},{"speaker":"Tyson Koska","startTime":967.865,"endTime":969.425,"body":"you can drink just as much alcohol."},{"speaker":"Tyson Koska","startTime":969.515,"endTime":973.145,"body":"You can tell, just as many silly stories,"},{"speaker":"Tyson Koska","startTime":969.515,"endTime":973.145,"body":"you can sing karaoke with your friends."},{"speaker":"Tyson Koska","startTime":973.15,"endTime":975.605,"body":"I've had so much fun singing"},{"speaker":"Tyson Koska","startTime":973.15,"endTime":975.605,"body":"karaoke in my living room."},{"speaker":"Tyson Koska","startTime":975.67,"endTime":976.625,"body":"It's just amazing."},{"speaker":"Tyson Koska","startTime":976.692,"endTime":979.04,"body":"And it costs, it's cheap and"},{"speaker":"Tyson Koska","startTime":976.692,"endTime":979.04,"body":"the friendships are there."},{"speaker":"Tyson Koska","startTime":979.04,"endTime":980.395,"body":"It's you're paying yourself."},{"speaker":"Tyson Koska","startTime":980.545,"endTime":984.505,"body":"By aligning yourself with things that"},{"speaker":"Tyson Koska","startTime":980.545,"endTime":984.505,"body":"are gonna give you value later on."},{"speaker":"Tyson Koska","startTime":984.705,"endTime":986.175,"body":"It is a bit of a mindset change."},{"speaker":"Tyson Koska","startTime":986.175,"endTime":988.809,"body":"And as I said I'm not gonna say I"},{"speaker":"Tyson Koska","startTime":986.175,"endTime":988.809,"body":"was there immediately, cause it's"},{"speaker":"Tyson Koska","startTime":988.869,"endTime":993.369,"body":"not about making more money, it's"},{"speaker":"Tyson Koska","startTime":988.869,"endTime":993.369,"body":"not about having a $200,000 paycheck."},{"speaker":"Tyson Koska","startTime":993.669,"endTime":997.161,"body":"It's about aligning yourself and"},{"speaker":"Tyson Koska","startTime":993.669,"endTime":997.161,"body":"enjoying what's out there for."},{"speaker":"Average Joe Finances","startTime":997.355,"endTime":999.888,"body":"Yeah, Tyson that's"},{"speaker":"Average Joe Finances","startTime":997.355,"endTime":999.888,"body":"all great points, especially, one of the"},{"speaker":"Average Joe Finances","startTime":999.888,"endTime":1002.713,"body":"things I wrote down as you were talking,"},{"speaker":"Average Joe Finances","startTime":999.888,"endTime":1002.713,"body":"some of the important things that we have"},{"speaker":"Average Joe Finances","startTime":1002.713,"endTime":1004.789,"body":"to focus on in life is our relationships."},{"speaker":"Average Joe Finances","startTime":1004.789,"endTime":1005.052,"body":"Right?"},{"speaker":"Average Joe Finances","startTime":1005.202,"endTime":1008.707,"body":"And one of those, I would also argue too,"},{"speaker":"Average Joe Finances","startTime":1005.202,"endTime":1008.707,"body":"is your relationship with money, right?"},{"speaker":"Average Joe Finances","startTime":1008.707,"endTime":1010.897,"body":"You have to have some type"},{"speaker":"Average Joe Finances","startTime":1008.707,"endTime":1010.897,"body":"of relationship with it."},{"speaker":"Average Joe Finances","startTime":1010.897,"endTime":1012.607,"body":"Is it healthy or is it toxic?"},{"speaker":"Average Joe Finances","startTime":1012.758,"endTime":1016.316,"body":"And, we would love to say that, Hey,"},{"speaker":"Average Joe Finances","startTime":1012.758,"endTime":1016.316,"body":"we have a healthy relationship with"},{"speaker":"Average Joe Finances","startTime":1016.321,"endTime":1019.936,"body":"money, but a lot of times they have a"},{"speaker":"Average Joe Finances","startTime":1016.321,"endTime":1019.936,"body":"toxic relationship with money and they"},{"speaker":"Average Joe Finances","startTime":1019.936,"endTime":1023.356,"body":"just see it constantly just go away"},{"speaker":"Average Joe Finances","startTime":1019.936,"endTime":1023.356,"body":"because they're not, what you said"},{"speaker":"Average Joe Finances","startTime":1023.356,"endTime":1025.857,"body":"was What was it valuing value, right?"},{"speaker":"Average Joe Finances","startTime":1025.867,"endTime":1029.257,"body":"They're not understanding what the"},{"speaker":"Average Joe Finances","startTime":1025.867,"endTime":1029.257,"body":"value of that money actually is."},{"speaker":"Average Joe Finances","startTime":1029.422,"endTime":1034.912,"body":"And for me, the value of money,"},{"speaker":"Average Joe Finances","startTime":1029.422,"endTime":1034.912,"body":"isn't the actual monetary value."},{"speaker":"Average Joe Finances","startTime":1034.912,"endTime":1037.162,"body":"It's the, what can I do with this money?"},{"speaker":"Average Joe Finances","startTime":1037.162,"endTime":1040.552,"body":"That's going to better"},{"speaker":"Average Joe Finances","startTime":1037.162,"endTime":1040.552,"body":"my life moving forward."},{"speaker":"Average Joe Finances","startTime":1040.702,"endTime":1042.832,"body":"How is this going to"},{"speaker":"Average Joe Finances","startTime":1040.702,"endTime":1042.832,"body":"benefit me and my family?"},{"speaker":"Average Joe Finances","startTime":1042.832,"endTime":1047.102,"body":"How am I employing these dollars to"},{"speaker":"Average Joe Finances","startTime":1042.832,"endTime":1047.102,"body":"get that compound interest and work"},{"speaker":"Average Joe Finances","startTime":1047.102,"endTime":1049.682,"body":"for me instead of work against me?"},{"speaker":"Average Joe Finances","startTime":1049.832,"endTime":1051.687,"body":"And a lot of people don't,"},{"speaker":"Average Joe Finances","startTime":1049.832,"endTime":1051.687,"body":"they don't look at it that way."},{"speaker":"Average Joe Finances","startTime":1051.687,"endTime":1053.997,"body":"And that's when they have the"},{"speaker":"Average Joe Finances","startTime":1051.687,"endTime":1053.997,"body":"money working against them."},{"speaker":"Average Joe Finances","startTime":1054.297,"endTime":1057.969,"body":"And something else that, that I wanted"},{"speaker":"Average Joe Finances","startTime":1054.297,"endTime":1057.969,"body":"to touch on too, that I really like,"},{"speaker":"Average Joe Finances","startTime":1057.969,"endTime":1061.329,"body":"that you had brought up is, you see"},{"speaker":"Average Joe Finances","startTime":1057.969,"endTime":1061.329,"body":"this a lot in the fire movement."},{"speaker":"Average Joe Finances","startTime":1061.505,"endTime":1062.847,"body":"And I love the fire movement."},{"speaker":"Average Joe Finances","startTime":1062.847,"endTime":1064.077,"body":"I think it's fantastic."},{"speaker":"Average Joe Finances","startTime":1064.145,"endTime":1069.427,"body":"I'm a firm believer in it, but at the same"},{"speaker":"Average Joe Finances","startTime":1064.145,"endTime":1069.427,"body":"time that whole frugality piece, a lot of"},{"speaker":"Average Joe Finances","startTime":1069.427,"endTime":1071.254,"body":"times, people can't really cope with that."},{"speaker":"Average Joe Finances","startTime":1071.404,"endTime":1075.695,"body":"And, that's where they get lost because"},{"speaker":"Average Joe Finances","startTime":1071.404,"endTime":1075.695,"body":"they either lack the discipline or"},{"speaker":"Average Joe Finances","startTime":1075.749,"endTime":1077.252,"body":"they get bored of it really fast."},{"speaker":"Average Joe Finances","startTime":1077.257,"endTime":1079.177,"body":"Hey, I'm tired of living"},{"speaker":"Average Joe Finances","startTime":1077.257,"endTime":1079.177,"body":"off of ramen noodles."},{"speaker":"Average Joe Finances","startTime":1079.333,"endTime":1081.433,"body":"Five days a week, just to"},{"speaker":"Average Joe Finances","startTime":1079.333,"endTime":1081.433,"body":"make sure I could save a few"},{"speaker":"Average Joe Finances","startTime":1081.433,"endTime":1082.633,"body":"more bucks in my groceries."},{"speaker":"Average Joe Finances","startTime":1082.793,"endTime":1086.063,"body":"There, there is that other piece that"},{"speaker":"Average Joe Finances","startTime":1082.793,"endTime":1086.063,"body":"there's the discipline piece, but at the"},{"speaker":"Average Joe Finances","startTime":1086.063,"endTime":1088.613,"body":"same time, there's also the comfort piece."},{"speaker":"Average Joe Finances","startTime":1088.663,"endTime":1092.443,"body":"You wanna be able to live comfortably"},{"speaker":"Average Joe Finances","startTime":1088.663,"endTime":1092.443,"body":"as you're building up your assets and"},{"speaker":"Average Joe Finances","startTime":1092.443,"endTime":1095.963,"body":"as you're building, these different"},{"speaker":"Average Joe Finances","startTime":1092.443,"endTime":1095.963,"body":"ways of building your compound interest."},{"speaker":"Average Joe Finances","startTime":1096.001,"endTime":1098.639,"body":"So I think that's a huge important"},{"speaker":"Average Joe Finances","startTime":1096.001,"endTime":1098.639,"body":"thing that people need to think"},{"speaker":"Average Joe Finances","startTime":1098.639,"endTime":1100.39,"body":"about Tyson is your comfort level."},{"speaker":"Average Joe Finances","startTime":1100.414,"endTime":1102.839,"body":"I just wanted touch on that because"},{"speaker":"Average Joe Finances","startTime":1100.414,"endTime":1102.839,"body":"I think I think that's huge."},{"speaker":"Average Joe Finances","startTime":1103.056,"endTime":1103.986,"body":"What do you think about that?"},{"speaker":"Average Joe Finances","startTime":1103.986,"endTime":1107.766,"body":"Like when it comes to, having"},{"speaker":"Average Joe Finances","startTime":1103.986,"endTime":1107.766,"body":"certain creature comforts, as"},{"speaker":"Average Joe Finances","startTime":1107.766,"endTime":1110.376,"body":"you're trying to build your wealth"},{"speaker":"Average Joe Finances","startTime":1107.766,"endTime":1110.376,"body":"what do you think about that?"},{"speaker":"Tyson Koska","startTime":1110.55,"endTime":1112.71,"body":"You have to be realistic."},{"speaker":"Tyson Koska","startTime":1112.95,"endTime":1113.91,"body":"I don't like."},{"speaker":"Tyson Koska","startTime":1114.127,"endTime":1117.667,"body":"I personally am not a big fan"},{"speaker":"Tyson Koska","startTime":1114.127,"endTime":1117.667,"body":"of budgeting, which I know is"},{"speaker":"Tyson Koska","startTime":1117.967,"endTime":1122.129,"body":"probably completely anathema"},{"speaker":"Tyson Koska","startTime":1117.967,"endTime":1122.129,"body":"no, I let me rephrase that."},{"speaker":"Tyson Koska","startTime":1122.429,"endTime":1127.079,"body":"I'm not a big fan of line"},{"speaker":"Tyson Koska","startTime":1122.429,"endTime":1127.079,"body":"by line level budget."},{"speaker":"Tyson Koska","startTime":1127.379,"endTime":1129.449,"body":"And I'm look, it's fine."},{"speaker":"Tyson Koska","startTime":1129.599,"endTime":1131.549,"body":"I'm a big bucket kind of budgeter."},{"speaker":"Tyson Koska","startTime":1131.579,"endTime":1133.949,"body":"I'm like, did I make"},{"speaker":"Tyson Koska","startTime":1131.579,"endTime":1133.949,"body":"this number this month?"},{"speaker":"Tyson Koska","startTime":1134.189,"endTime":1135.059,"body":"Or did I not?"},{"speaker":"Tyson Koska","startTime":1135.359,"endTime":1138.029,"body":"Where I deployed the"},{"speaker":"Tyson Koska","startTime":1135.359,"endTime":1138.029,"body":"funds, that's up to me."},{"speaker":"Tyson Koska","startTime":1138.329,"endTime":1141.005,"body":"But if I make the number"},{"speaker":"Tyson Koska","startTime":1138.329,"endTime":1141.005,"body":"like restrict yourself to a"},{"speaker":"Tyson Koska","startTime":1141.005,"endTime":1142.205,"body":"number, you make that number."},{"speaker":"Tyson Koska","startTime":1142.235,"endTime":1142.895,"body":"That's the number."},{"speaker":"Tyson Koska","startTime":1143.065,"endTime":1146.624,"body":"That's my idea of budgeting, because"},{"speaker":"Tyson Koska","startTime":1143.065,"endTime":1146.624,"body":"I don't like to, I know it sounds"},{"speaker":"Tyson Koska","startTime":1146.624,"endTime":1150.265,"body":"weird as a software engineer who"},{"speaker":"Tyson Koska","startTime":1146.624,"endTime":1150.265,"body":"has a personal finance tool I don't"},{"speaker":"Tyson Koska","startTime":1150.265,"endTime":1151.509,"body":"like to do line level budgeting."},{"speaker":"Tyson Koska","startTime":1151.659,"endTime":1156.189,"body":"And, part of the reason is"},{"speaker":"Tyson Koska","startTime":1151.659,"endTime":1156.189,"body":"that you had asked me, I had a"},{"speaker":"Tyson Koska","startTime":1156.189,"endTime":1158.229,"body":"really pressing it point here."},{"speaker":"Tyson Koska","startTime":1158.529,"endTime":1161.949,"body":"Because what happens is I"},{"speaker":"Tyson Koska","startTime":1158.529,"endTime":1161.949,"body":"think maybe this is just me."},{"speaker":"Tyson Koska","startTime":1162.249,"endTime":1167.889,"body":"When I look at things really granularly"},{"speaker":"Tyson Koska","startTime":1162.249,"endTime":1167.889,"body":"and then I mess it up or it gets"},{"speaker":"Tyson Koska","startTime":1167.889,"endTime":1172.239,"body":"tiring, or I'm trying, if I'm trying"},{"speaker":"Tyson Koska","startTime":1167.889,"endTime":1172.239,"body":"to balance too many variables at"},{"speaker":"Tyson Koska","startTime":1172.239,"endTime":1176.799,"body":"once, and I'm thinking about those"},{"speaker":"Tyson Koska","startTime":1172.239,"endTime":1176.799,"body":"variables, then I get tired of it."},{"speaker":"Tyson Koska","startTime":1177.069,"endTime":1182.169,"body":"And eventually the more tired you get,"},{"speaker":"Tyson Koska","startTime":1177.069,"endTime":1182.169,"body":"the potential for failure is there."},{"speaker":"Tyson Koska","startTime":1182.469,"endTime":1187.93,"body":"And so if you can keep things flexible"},{"speaker":"Tyson Koska","startTime":1182.469,"endTime":1187.93,"body":"and loose and like for me, just like outer"},{"speaker":"Tyson Koska","startTime":1187.935,"endTime":1190.0,"body":"guardrails, then it makes it much easier."},{"speaker":"Tyson Koska","startTime":1190.06,"endTime":1194.021,"body":"So I think that, being realistic, adding"},{"speaker":"Tyson Koska","startTime":1190.06,"endTime":1194.021,"body":"creature comforts into your budget.."},{"speaker":"Tyson Koska","startTime":1194.051,"endTime":1195.761,"body":"I'll okay, lemme give"},{"speaker":"Tyson Koska","startTime":1194.051,"endTime":1195.761,"body":"you this great example."},{"speaker":"Tyson Koska","startTime":1196.061,"endTime":1198.151,"body":"So my wife and I were"},{"speaker":"Tyson Koska","startTime":1196.061,"endTime":1198.151,"body":"working on our budget."},{"speaker":"Tyson Koska","startTime":1198.321,"endTime":1200.031,"body":"And we're trying to come"},{"speaker":"Tyson Koska","startTime":1198.321,"endTime":1200.031,"body":"up with what's the right."},{"speaker":"Tyson Koska","startTime":1200.061,"endTime":1202.1,"body":"Cause she's how much"},{"speaker":"Tyson Koska","startTime":1200.061,"endTime":1202.1,"body":"you wanna put in here?"},{"speaker":"Tyson Koska","startTime":1202.22,"endTime":1205.07,"body":"How much you put I'm like, I don't"},{"speaker":"Tyson Koska","startTime":1202.22,"endTime":1205.07,"body":"know, let's just pick a number and"},{"speaker":"Tyson Koska","startTime":1205.07,"endTime":1207.448,"body":"let's just stay in that and was"},{"speaker":"Tyson Koska","startTime":1205.07,"endTime":1207.448,"body":"like, she's what is that number?"},{"speaker":"Tyson Koska","startTime":1207.568,"endTime":1211.378,"body":"And I'm like, okay, look, let's"},{"speaker":"Tyson Koska","startTime":1207.568,"endTime":1211.378,"body":"do a month where we don't eat out."},{"speaker":"Tyson Koska","startTime":1211.678,"endTime":1212.668,"body":"We don't order out."},{"speaker":"Tyson Koska","startTime":1212.968,"endTime":1214.258,"body":"We don't buy any clothes."},{"speaker":"Tyson Koska","startTime":1214.408,"endTime":1215.248,"body":"We don't buy any shoes."},{"speaker":"Tyson Koska","startTime":1215.548,"endTime":1216.778,"body":"We don't buy any movies."},{"speaker":"Tyson Koska","startTime":1216.868,"endTime":1219.988,"body":"We just, whatever we have right"},{"speaker":"Tyson Koska","startTime":1216.868,"endTime":1219.988,"body":"now, we're just from this from"},{"speaker":"Tyson Koska","startTime":1220.288,"endTime":1222.718,"body":"beginning of this month to the end"},{"speaker":"Tyson Koska","startTime":1220.288,"endTime":1222.718,"body":"month, we're just having no spend."},{"speaker":"Tyson Koska","startTime":1223.018,"endTime":1225.297,"body":"And she's okay, let's do that."},{"speaker":"Tyson Koska","startTime":1225.327,"endTime":1227.025,"body":"Cause we wanna see"},{"speaker":"Tyson Koska","startTime":1225.327,"endTime":1227.025,"body":"what's that real number?"},{"speaker":"Tyson Koska","startTime":1227.025,"endTime":1229.334,"body":"Like we actually really what are"},{"speaker":"Tyson Koska","startTime":1227.025,"endTime":1229.334,"body":"we really spending groceries?"},{"speaker":"Tyson Koska","startTime":1229.484,"endTime":1231.404,"body":"What do we really spend on"},{"speaker":"Tyson Koska","startTime":1229.484,"endTime":1231.404,"body":"with this kind of stuff?"},{"speaker":"Tyson Koska","startTime":1231.569,"endTime":1234.209,"body":"I'm not sure we made it to the end"},{"speaker":"Tyson Koska","startTime":1231.569,"endTime":1234.209,"body":"of the month, but we made it almost"},{"speaker":"Tyson Koska","startTime":1234.209,"endTime":1239.489,"body":"to the end of the month and we"},{"speaker":"Tyson Koska","startTime":1234.209,"endTime":1239.489,"body":"realized how little we actually need."},{"speaker":"Tyson Koska","startTime":1239.789,"endTime":1242.014,"body":"And two, two interesting things happened."},{"speaker":"Tyson Koska","startTime":1242.224,"endTime":1245.554,"body":"We thought we would like double spend"},{"speaker":"Tyson Koska","startTime":1242.224,"endTime":1245.554,"body":"the next month when we went back to"},{"speaker":"Tyson Koska","startTime":1245.554,"endTime":1248.884,"body":"our regular habits, but we didn't"},{"speaker":"Tyson Koska","startTime":1245.554,"endTime":1248.884,"body":"all those purchases that we didn't"},{"speaker":"Tyson Koska","startTime":1248.884,"endTime":1251.164,"body":"make, we never actually made at all."},{"speaker":"Tyson Koska","startTime":1251.384,"endTime":1255.545,"body":"There was thousands of dollars in"},{"speaker":"Tyson Koska","startTime":1251.384,"endTime":1255.545,"body":"savings that didn't get added back in."},{"speaker":"Tyson Koska","startTime":1255.695,"endTime":1260.627,"body":"And we were so happy and grateful that we"},{"speaker":"Tyson Koska","startTime":1255.695,"endTime":1260.627,"body":"added in, going out to eat once a month"},{"speaker":"Tyson Koska","startTime":1260.627,"endTime":1262.212,"body":"or ordering out or something like that."},{"speaker":"Tyson Koska","startTime":1262.362,"endTime":1266.082,"body":"Back to this, find something that's"},{"speaker":"Tyson Koska","startTime":1262.362,"endTime":1266.082,"body":"realistic, find the minimum, but"},{"speaker":"Tyson Koska","startTime":1266.082,"endTime":1267.402,"body":"then add something on top of that."},{"speaker":"Tyson Koska","startTime":1267.402,"endTime":1269.572,"body":"Cuz if you try to say at that"},{"speaker":"Tyson Koska","startTime":1267.402,"endTime":1269.572,"body":"minimum, you're gonna fail."},{"speaker":"Average Joe Finances","startTime":1269.872,"endTime":1270.472,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1270.482,"endTime":1273.992,"body":"Tyson, I agree with that wholeheartedly"},{"speaker":"Average Joe Finances","startTime":1270.482,"endTime":1273.992,"body":"because when it comes to, again,"},{"speaker":"Average Joe Finances","startTime":1274.022,"endTime":1276.164,"body":"I'm going back to what I was"},{"speaker":"Average Joe Finances","startTime":1274.022,"endTime":1276.164,"body":"talking about too, with those basic"},{"speaker":"Average Joe Finances","startTime":1276.164,"endTime":1277.385,"body":"creature comforts that you have."},{"speaker":"Average Joe Finances","startTime":1277.535,"endTime":1279.133,"body":"And, I also do financial coaching."},{"speaker":"Average Joe Finances","startTime":1279.133,"endTime":1282.486,"body":"And when I work with some clients, I"},{"speaker":"Average Joe Finances","startTime":1279.133,"endTime":1282.486,"body":"always tell them too, you have to add"},{"speaker":"Average Joe Finances","startTime":1282.491,"endTime":1284.106,"body":"into your budget or spending plan."},{"speaker":"Average Joe Finances","startTime":1284.124,"endTime":1286.002,"body":"You have to add in certain things."},{"speaker":"Average Joe Finances","startTime":1286.237,"endTime":1288.277,"body":"They're gonna help you not fail."},{"speaker":"Average Joe Finances","startTime":1288.577,"endTime":1291.395,"body":"And by saying that I'm saying like, you"},{"speaker":"Average Joe Finances","startTime":1288.577,"endTime":1291.395,"body":"need to have some money that you're gonna"},{"speaker":"Average Joe Finances","startTime":1291.395,"endTime":1295.7,"body":"use to go out, to eat or to go buy a new"},{"speaker":"Average Joe Finances","startTime":1291.395,"endTime":1295.7,"body":"pair of shoes or just the things that"},{"speaker":"Average Joe Finances","startTime":1295.7,"endTime":1297.38,"body":"you do that bring you joy and comfort."},{"speaker":"Average Joe Finances","startTime":1297.38,"endTime":1300.782,"body":"But now you just gotta narrow it"},{"speaker":"Average Joe Finances","startTime":1297.38,"endTime":1300.782,"body":"down to how much do you really"},{"speaker":"Average Joe Finances","startTime":1300.782,"endTime":1302.299,"body":"wanna spend on some of those things."},{"speaker":"Average Joe Finances","startTime":1302.449,"endTime":1304.429,"body":"But at the same time, don't take it away."},{"speaker":"Average Joe Finances","startTime":1304.729,"endTime":1307.639,"body":"Cuz the minute you start taking away"},{"speaker":"Average Joe Finances","startTime":1304.729,"endTime":1307.639,"body":"some of those things that bring you"},{"speaker":"Average Joe Finances","startTime":1307.639,"endTime":1311.676,"body":"joy is the minute that you're gonna"},{"speaker":"Average Joe Finances","startTime":1307.639,"endTime":1311.676,"body":"fail  because you're gonna say, you"},{"speaker":"Average Joe Finances","startTime":1311.676,"endTime":1313.236,"body":"know what, I can't do this anymore."},{"speaker":"Average Joe Finances","startTime":1313.236,"endTime":1318.166,"body":"This is too hard, you're not happy,"},{"speaker":"Average Joe Finances","startTime":1313.236,"endTime":1318.166,"body":"but if you can discipline yourself and"},{"speaker":"Average Joe Finances","startTime":1318.166,"endTime":1322.264,"body":"just bring it, just scale it back, see"},{"speaker":"Average Joe Finances","startTime":1318.166,"endTime":1322.264,"body":"how much you spend, that's why I really"},{"speaker":"Average Joe Finances","startTime":1322.269,"endTime":1323.164,"body":"like what you did there with that."},{"speaker":"Average Joe Finances","startTime":1323.164,"endTime":1326.43,"body":"No spend month, you got a really"},{"speaker":"Average Joe Finances","startTime":1323.164,"endTime":1326.43,"body":"good idea of what you're really"},{"speaker":"Average Joe Finances","startTime":1326.43,"endTime":1329.37,"body":"spending on groceries, what you're"},{"speaker":"Average Joe Finances","startTime":1326.43,"endTime":1329.37,"body":"really spending on other items."},{"speaker":"Average Joe Finances","startTime":1329.49,"endTime":1332.25,"body":"And then you're like, wow, all this"},{"speaker":"Average Joe Finances","startTime":1329.49,"endTime":1332.25,"body":"extra money we're doing on these"},{"speaker":"Average Joe Finances","startTime":1332.25,"endTime":1334.647,"body":"other things like books and going"},{"speaker":"Average Joe Finances","startTime":1332.25,"endTime":1334.647,"body":"out to eat and all this other stuff."},{"speaker":"Average Joe Finances","startTime":1334.65,"endTime":1335.13,"body":"Maybe we."},{"speaker":"Average Joe Finances","startTime":1335.241,"endTime":1337.101,"body":"Readjust how we look at that."},{"speaker":"Average Joe Finances","startTime":1337.371,"endTime":1340.707,"body":"And then you incorporated that into"},{"speaker":"Average Joe Finances","startTime":1337.371,"endTime":1340.707,"body":"your budget, or into your spending plan."},{"speaker":"Average Joe Finances","startTime":1341.007,"endTime":1344.25,"body":"So I think that's huge, you have to"},{"speaker":"Average Joe Finances","startTime":1341.007,"endTime":1344.25,"body":"have something that's going to give"},{"speaker":"Average Joe Finances","startTime":1344.25,"endTime":1348.35,"body":"you those typical creature comforts"},{"speaker":"Average Joe Finances","startTime":1344.25,"endTime":1348.35,"body":"that make you just go on your day to"},{"speaker":"Average Joe Finances","startTime":1348.35,"endTime":1352.189,"body":"day life and be able to enjoy your life"},{"speaker":"Average Joe Finances","startTime":1348.35,"endTime":1352.189,"body":"and not just completely just eat away."},{"speaker":"Average Joe Finances","startTime":1352.409,"endTime":1354.119,"body":"So I, I think that's super important."},{"speaker":"Average Joe Finances","startTime":1354.119,"endTime":1356.067,"body":"So I just wanna to point that out."},{"speaker":"Tyson Koska","startTime":1356.261,"endTime":1356.531,"body":"Yeah."},{"speaker":"Tyson Koska","startTime":1356.621,"endTime":1359.231,"body":"That, and I'm wanna add a little"},{"speaker":"Tyson Koska","startTime":1356.621,"endTime":1359.231,"body":"bit of cream on top of that."},{"speaker":"Tyson Koska","startTime":1359.421,"endTime":1363.65,"body":"The way I like to talk to people about"},{"speaker":"Tyson Koska","startTime":1359.421,"endTime":1363.65,"body":"it is everything that you spend, that"},{"speaker":"Tyson Koska","startTime":1363.71,"endTime":1367.46,"body":"whatever, that, whatever, that number"},{"speaker":"Tyson Koska","startTime":1363.71,"endTime":1367.46,"body":"that you're now not spending on is not"},{"speaker":"Tyson Koska","startTime":1367.465,"endTime":1369.2,"body":"something that you're missing out on."},{"speaker":"Tyson Koska","startTime":1369.47,"endTime":1372.29,"body":"It's something that you are investing"},{"speaker":"Tyson Koska","startTime":1369.47,"endTime":1372.29,"body":"in your future, and it's gonna"},{"speaker":"Tyson Koska","startTime":1372.29,"endTime":1374.179,"body":"give you huge returns in the end."},{"speaker":"Tyson Koska","startTime":1374.389,"endTime":1376.456,"body":"So you should feel when you don't spend."},{"speaker":"Tyson Koska","startTime":1376.606,"endTime":1379.576,"body":"You should feel good, not"},{"speaker":"Tyson Koska","startTime":1376.606,"endTime":1379.576,"body":"bad cause I didn't spend it."},{"speaker":"Tyson Koska","startTime":1379.666,"endTime":1382.71,"body":"And now I'm gonna fulfill some"},{"speaker":"Tyson Koska","startTime":1379.666,"endTime":1382.71,"body":"other goal that I have in my life."},{"speaker":"Average Joe Finances","startTime":1382.781,"endTime":1385.067,"body":"And you take"},{"speaker":"Average Joe Finances","startTime":1382.781,"endTime":1385.067,"body":"that as an opportunity to celebrate"},{"speaker":"Average Joe Finances","startTime":1385.089,"endTime":1386.797,"body":"that small victory that you have."},{"speaker":"Average Joe Finances","startTime":1387.067,"endTime":1390.737,"body":"And now this money that you're"},{"speaker":"Average Joe Finances","startTime":1387.067,"endTime":1390.737,"body":"investing,  is now returning with"},{"speaker":"Average Joe Finances","startTime":1390.737,"endTime":1394.915,"body":"compound interest and, giving you more"},{"speaker":"Average Joe Finances","startTime":1390.737,"endTime":1394.915,"body":"dollars to spend into the future if"},{"speaker":"Average Joe Finances","startTime":1394.915,"endTime":1395.905,"body":"that's what you choose to do with it."},{"speaker":"Average Joe Finances","startTime":1395.922,"endTime":1398.954,"body":"But ultimately, what we're talking"},{"speaker":"Average Joe Finances","startTime":1395.922,"endTime":1398.954,"body":"about is we're trying to get"},{"speaker":"Average Joe Finances","startTime":1398.954,"endTime":1401.972,"body":"ourselves to the point where we can"},{"speaker":"Average Joe Finances","startTime":1398.954,"endTime":1401.972,"body":"retire, and live a comfortable life."},{"speaker":"Average Joe Finances","startTime":1402.122,"endTime":1405.872,"body":"And not everybody wants to retire in"},{"speaker":"Average Joe Finances","startTime":1402.122,"endTime":1405.872,"body":"their sixties or seventies and live"},{"speaker":"Average Joe Finances","startTime":1405.872,"endTime":1409.54,"body":"out, their golden years and, oh, and"},{"speaker":"Average Joe Finances","startTime":1405.872,"endTime":1409.54,"body":"now's the time I can go travel and go"},{"speaker":"Average Joe Finances","startTime":1409.54,"endTime":1413.363,"body":"do all these things, but, oh I can't do"},{"speaker":"Average Joe Finances","startTime":1409.54,"endTime":1413.363,"body":"this hike anymore because I'm 72 and my"},{"speaker":"Average Joe Finances","startTime":1413.363,"endTime":1417.336,"body":"back's out, you that's, is that really"},{"speaker":"Average Joe Finances","startTime":1413.363,"endTime":1417.336,"body":"how long you wanna wait to do this stuff?"},{"speaker":"Average Joe Finances","startTime":1417.336,"endTime":1417.786,"body":"No."},{"speaker":"Average Joe Finances","startTime":1417.846,"endTime":1418.146,"body":"No."},{"speaker":"Average Joe Finances","startTime":1418.146,"endTime":1420.91,"body":"So that's one of the reasons why"},{"speaker":"Average Joe Finances","startTime":1418.146,"endTime":1420.91,"body":"we talk about different ways to get"},{"speaker":"Average Joe Finances","startTime":1420.91,"endTime":1425.199,"body":"yourself to the point where you can"},{"speaker":"Average Joe Finances","startTime":1420.91,"endTime":1425.199,"body":"live your life and retire either earlier"},{"speaker":"Average Joe Finances","startTime":1425.499,"endTime":1427.299,"body":"or still retire at that later age."},{"speaker":"Average Joe Finances","startTime":1427.299,"endTime":1430.749,"body":"But Moving up to that time, you"},{"speaker":"Average Joe Finances","startTime":1427.299,"endTime":1430.749,"body":"didn't take away from yourself."},{"speaker":"Average Joe Finances","startTime":1430.749,"endTime":1434.799,"body":"You didn't take away that joy in,"},{"speaker":"Average Joe Finances","startTime":1430.749,"endTime":1434.799,"body":"in being able to enjoy life, on your"},{"speaker":"Average Joe Finances","startTime":1434.799,"endTime":1436.96,"body":"journey to getting to retirement."},{"speaker":"Average Joe Finances","startTime":1436.977,"endTime":1439.585,"body":"I think that's definitely huge because"},{"speaker":"Average Joe Finances","startTime":1436.977,"endTime":1439.585,"body":"again, we touched on a little bit"},{"speaker":"Average Joe Finances","startTime":1439.59,"endTime":1443.043,"body":"before, you have the whole FOMO thing,"},{"speaker":"Average Joe Finances","startTime":1439.59,"endTime":1443.043,"body":"the fear of missing out, and then"},{"speaker":"Average Joe Finances","startTime":1443.043,"endTime":1446.073,"body":"you have the YOLO side too, where"},{"speaker":"Average Joe Finances","startTime":1443.043,"endTime":1446.073,"body":"it's like, Hey, you only live once."},{"speaker":"Average Joe Finances","startTime":1446.073,"endTime":1447.393,"body":"So you want to enjoy that."},{"speaker":"Average Joe Finances","startTime":1447.663,"endTime":1452.762,"body":"And absolutely you can still budget"},{"speaker":"Average Joe Finances","startTime":1447.663,"endTime":1452.762,"body":"or have a good spending plan and"},{"speaker":"Average Joe Finances","startTime":1452.762,"endTime":1457.052,"body":"live an enjoyable life and get"},{"speaker":"Average Joe Finances","startTime":1452.762,"endTime":1457.052,"body":"yourself to a point of retirement."},{"speaker":"Average Joe Finances","startTime":1457.052,"endTime":1457.575,"body":"Exactly."},{"speaker":"Average Joe Finances","startTime":1457.734,"endTime":1461.314,"body":"And, maybe even start a side project"},{"speaker":"Average Joe Finances","startTime":1457.734,"endTime":1461.314,"body":"or a side hustle, like what you"},{"speaker":"Average Joe Finances","startTime":1461.314,"endTime":1464.64,"body":"did with this passion project that"},{"speaker":"Average Joe Finances","startTime":1461.314,"endTime":1464.64,"body":"you started that turned into, this"},{"speaker":"Average Joe Finances","startTime":1464.64,"endTime":1469.313,"body":"full, ongoing tool that other people"},{"speaker":"Average Joe Finances","startTime":1464.64,"endTime":1469.313,"body":"can utilize to, to get themselves"},{"speaker":"Average Joe Finances","startTime":1469.313,"endTime":1470.777,"body":"in a good good place financially."},{"speaker":"Average Joe Finances","startTime":1470.927,"endTime":1472.839,"body":"Yeah I think that's fantastic Tyson."},{"speaker":"Average Joe Finances","startTime":1472.899,"endTime":1475.987,"body":"I wanna move on to the next"},{"speaker":"Average Joe Finances","startTime":1472.899,"endTime":1475.987,"body":"stage of of the podcast here."},{"speaker":"Average Joe Finances","startTime":1476.287,"endTime":1479.017,"body":"I have some kind of hard hitting"},{"speaker":"Average Joe Finances","startTime":1476.287,"endTime":1479.017,"body":"questions I'd like to ask you."},{"speaker":"Average Joe Finances","startTime":1479.017,"endTime":1480.584,"body":"It's we call this the final round."},{"speaker":"Average Joe Finances","startTime":1480.614,"endTime":1480.884,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1481.184,"endTime":1482.414,"body":"So I've got four questions."},{"speaker":"Average Joe Finances","startTime":1482.419,"endTime":1483.723,"body":"Three of 'em are hard hitting one."},{"speaker":"Average Joe Finances","startTime":1483.753,"endTime":1485.383,"body":"The last one's kind of an opinion piece."},{"speaker":"Average Joe Finances","startTime":1485.383,"endTime":1487.797,"body":"But if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":1485.383,"endTime":1487.797,"body":"we'll get that party started."},{"speaker":"Tyson Koska","startTime":1487.947,"endTime":1488.457,"body":"I'm ready."},{"speaker":"Tyson Koska","startTime":1488.577,"endTime":1489.057,"body":"Let's party."},{"speaker":"Average Joe Finances","startTime":1489.357,"endTime":1490.257,"body":"All"},{"speaker":"Average Joe Finances","startTime":1489.357,"endTime":1490.257,"body":"right, Tyson, here we go."},{"speaker":"Average Joe Finances","startTime":1490.283,"endTime":1494.276,"body":"You've had this really interesting"},{"speaker":"Average Joe Finances","startTime":1490.283,"endTime":1494.276,"body":"experience in life, from the age of"},{"speaker":"Average Joe Finances","startTime":1494.276,"endTime":1498.69,"body":"13, with the selling the snowballs"},{"speaker":"Average Joe Finances","startTime":1494.276,"endTime":1498.69,"body":"to, to where you're at now."},{"speaker":"Average Joe Finances","startTime":1498.718,"endTime":1502.422,"body":"And of course in between, with"},{"speaker":"Average Joe Finances","startTime":1498.718,"endTime":1502.422,"body":"serving in the army and just really"},{"speaker":"Average Joe Finances","startTime":1502.589,"endTime":1506.559,"body":"understanding getting your feet out"},{"speaker":"Average Joe Finances","startTime":1502.589,"endTime":1506.559,"body":"under you and understanding life itself."},{"speaker":"Average Joe Finances","startTime":1506.623,"endTime":1510.662,"body":"So as you're on this journey there's"},{"speaker":"Average Joe Finances","startTime":1506.623,"endTime":1510.662,"body":"all this opportunity to make mistakes."},{"speaker":"Average Joe Finances","startTime":1510.694,"endTime":1514.118,"body":"So I'd like to ask you, what's the"},{"speaker":"Average Joe Finances","startTime":1510.694,"endTime":1514.118,"body":"biggest mistake you've ever made?"},{"speaker":"Tyson Koska","startTime":1514.418,"endTime":1516.578,"body":"Yeah, this is"},{"speaker":"Tyson Koska","startTime":1514.418,"endTime":1516.578,"body":"not an uncommon mistake."},{"speaker":"Tyson Koska","startTime":1516.678,"endTime":1519.978,"body":"I just can't believe I fell into"},{"speaker":"Tyson Koska","startTime":1516.678,"endTime":1519.978,"body":"it when I did into the army."},{"speaker":"Tyson Koska","startTime":1520.278,"endTime":1523.998,"body":"I was making more than I"},{"speaker":"Tyson Koska","startTime":1520.278,"endTime":1523.998,"body":"had ever made in my life."},{"speaker":"Tyson Koska","startTime":1524.148,"endTime":1528.948,"body":"I, I just, I was like, oh my God,"},{"speaker":"Tyson Koska","startTime":1524.148,"endTime":1528.948,"body":"I got so much money coming in."},{"speaker":"Tyson Koska","startTime":1529.128,"endTime":1533.229,"body":"I'm a single, I was, I was 19 when"},{"speaker":"Tyson Koska","startTime":1529.128,"endTime":1533.229,"body":"I entered the service and I was"},{"speaker":"Tyson Koska","startTime":1533.229,"endTime":1536.226,"body":"making, even, I don't know what"},{"speaker":"Tyson Koska","startTime":1533.229,"endTime":1536.226,"body":"it's adjusted for, it was good."},{"speaker":"Tyson Koska","startTime":1536.316,"endTime":1536.976,"body":"It was good money."},{"speaker":"Tyson Koska","startTime":1537.193,"endTime":1537.823,"body":"And."},{"speaker":"Tyson Koska","startTime":1538.123,"endTime":1543.073,"body":"I opened, I don't know how many credit"},{"speaker":"Tyson Koska","startTime":1538.123,"endTime":1543.073,"body":"cards, store credit cards, Visa Card,"},{"speaker":"Tyson Koska","startTime":1543.373,"endTime":1548.173,"body":"MasterCard, just I had within a year,"},{"speaker":"Tyson Koska","startTime":1543.373,"endTime":1548.173,"body":"I had thousands of dollars in debt."},{"speaker":"Tyson Koska","startTime":1548.473,"endTime":1549.823,"body":"I bought a new car."},{"speaker":"Tyson Koska","startTime":1549.828,"endTime":1553.621,"body":"I had, fancy clothes, a hundred"},{"speaker":"Tyson Koska","startTime":1549.828,"endTime":1553.621,"body":"dollars bottles of cologne and all"},{"speaker":"Tyson Koska","startTime":1553.621,"endTime":1559.048,"body":"that stuff that young service members"},{"speaker":"Tyson Koska","startTime":1553.621,"endTime":1559.048,"body":"run it that very often run into."},{"speaker":"Tyson Koska","startTime":1559.165,"endTime":1560.495,"body":"We see that a lot for sure."},{"speaker":"Tyson Koska","startTime":1560.675,"endTime":1561.706,"body":"And I couldn't believe it."},{"speaker":"Tyson Koska","startTime":1561.766,"endTime":1562.836,"body":"I was like, I could bar."},{"speaker":"Tyson Koska","startTime":1563.136,"endTime":1566.029,"body":"I'm not sure that I, all, that I made"},{"speaker":"Tyson Koska","startTime":1563.136,"endTime":1566.029,"body":"the minimum payments every month."},{"speaker":"Tyson Koska","startTime":1566.082,"endTime":1568.553,"body":"It was like, and it"},{"speaker":"Tyson Koska","startTime":1566.082,"endTime":1568.553,"body":"was, I was so confused."},{"speaker":"Tyson Koska","startTime":1568.553,"endTime":1569.393,"body":"How did I get here?"},{"speaker":"Tyson Koska","startTime":1569.513,"endTime":1570.383,"body":"What did I do?"},{"speaker":"Tyson Koska","startTime":1570.503,"endTime":1573.022,"body":"How did I make so many"},{"speaker":"Tyson Koska","startTime":1570.503,"endTime":1573.022,"body":"bad decisions so often?"},{"speaker":"Tyson Koska","startTime":1573.089,"endTime":1579.113,"body":"And the weirdest thing is I got out of"},{"speaker":"Tyson Koska","startTime":1573.089,"endTime":1579.113,"body":"it because Saddam Hussein invited Kuwait."},{"speaker":"Tyson Koska","startTime":1579.413,"endTime":1583.666,"body":"I ended up going, and then literally"},{"speaker":"Tyson Koska","startTime":1579.413,"endTime":1583.666,"body":"couldn't spend money on anything."},{"speaker":"Tyson Koska","startTime":1583.883,"endTime":1585.083,"body":"And I was able to pay down."},{"speaker":"Tyson Koska","startTime":1585.263,"endTime":1586.733,"body":"I was getting combat paid too."},{"speaker":"Tyson Koska","startTime":1587.033,"endTime":1589.763,"body":"And when I got outta the military,"},{"speaker":"Tyson Koska","startTime":1587.033,"endTime":1589.763,"body":"I was basically back to zero."},{"speaker":"Tyson Koska","startTime":1590.063,"endTime":1592.073,"body":"So I'd gotten myself into this huge hole."},{"speaker":"Tyson Koska","startTime":1592.223,"endTime":1596.443,"body":"After desert storm, I came to my"},{"speaker":"Tyson Koska","startTime":1592.223,"endTime":1596.443,"body":"senses and I got everything sorted"},{"speaker":"Tyson Koska","startTime":1596.443,"endTime":1599.743,"body":"out, but it was, I was so confused"},{"speaker":"Tyson Koska","startTime":1596.443,"endTime":1599.743,"body":"how I could fall into that trap."},{"speaker":"Tyson Koska","startTime":1599.893,"endTime":1602.557,"body":"And then when I look at people"},{"speaker":"Tyson Koska","startTime":1599.893,"endTime":1602.557,"body":"that, are maybe not as thoughtful,"},{"speaker":"Tyson Koska","startTime":1602.857,"endTime":1606.0,"body":"it's really easy to fall into that"},{"speaker":"Tyson Koska","startTime":1602.857,"endTime":1606.0,"body":"trap, and so I don't feel bad."},{"speaker":"Tyson Koska","startTime":1606.056,"endTime":1609.823,"body":"I never, if I meet somebody in a lot of"},{"speaker":"Tyson Koska","startTime":1606.056,"endTime":1609.823,"body":"debt, I'm like, been there done that."},{"speaker":"Tyson Koska","startTime":1610.033,"endTime":1610.843,"body":"I understand."},{"speaker":"Average Joe Finances","startTime":1610.943,"endTime":1611.827,"body":"It's got the t-shirt."},{"speaker":"Tyson Koska","startTime":1611.977,"endTime":1612.097,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1612.397,"endTime":1613.327,"body":"Took the road trip."},{"speaker":"Average Joe Finances","startTime":1613.627,"endTime":1613.807,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1613.807,"endTime":1617.156,"body":"That, that, that's Tyson, that's very"},{"speaker":"Average Joe Finances","startTime":1613.807,"endTime":1617.156,"body":"common and that a lot in the military,"},{"speaker":"Average Joe Finances","startTime":1617.156,"endTime":1620.383,"body":"but not just in the military, just"},{"speaker":"Average Joe Finances","startTime":1617.156,"endTime":1620.383,"body":"anybody that, they graduate high school"},{"speaker":"Average Joe Finances","startTime":1620.383,"endTime":1623.423,"body":"and get into the workforce or they go to"},{"speaker":"Average Joe Finances","startTime":1620.383,"endTime":1623.423,"body":"college and then get into the workforce."},{"speaker":"Average Joe Finances","startTime":1623.432,"endTime":1627.377,"body":"That a lot like this, you have this"},{"speaker":"Average Joe Finances","startTime":1623.432,"endTime":1627.377,"body":"expectation of where you should be at a"},{"speaker":"Average Joe Finances","startTime":1627.382,"endTime":1629.087,"body":"certain age or different things like that."},{"speaker":"Average Joe Finances","startTime":1629.327,"endTime":1631.007,"body":"Or if you start making more money."},{"speaker":"Average Joe Finances","startTime":1631.267,"endTime":1634.789,"body":"You get that lifestyle creep that just"},{"speaker":"Average Joe Finances","startTime":1631.267,"endTime":1634.789,"body":"just creeps up on you and you don't"},{"speaker":"Average Joe Finances","startTime":1634.789,"endTime":1639.706,"body":"even realize that you're overspending or"},{"speaker":"Average Joe Finances","startTime":1634.789,"endTime":1639.706,"body":"you're overindulging in certain things."},{"speaker":"Average Joe Finances","startTime":1639.777,"endTime":1641.737,"body":"And I think that's really"},{"speaker":"Average Joe Finances","startTime":1639.777,"endTime":1641.737,"body":"important to point out."},{"speaker":"Average Joe Finances","startTime":1641.743,"endTime":1645.403,"body":"And the fact that you were able to"},{"speaker":"Average Joe Finances","startTime":1641.743,"endTime":1645.403,"body":"take the take advantage of the fact"},{"speaker":"Average Joe Finances","startTime":1645.403,"endTime":1648.253,"body":"that you were getting the combat pay"},{"speaker":"Average Joe Finances","startTime":1645.403,"endTime":1648.253,"body":"and you weren't able to spend money"},{"speaker":"Average Joe Finances","startTime":1648.253,"endTime":1649.573,"body":"on things cuz you were deployed."},{"speaker":"Average Joe Finances","startTime":1649.588,"endTime":1652.488,"body":"You were able to get yourself to"},{"speaker":"Average Joe Finances","startTime":1649.588,"endTime":1652.488,"body":"reset back down to zero and said what"},{"speaker":"Average Joe Finances","startTime":1652.493,"endTime":1654.018,"body":"was I doing the past couple years?"},{"speaker":"Average Joe Finances","startTime":1654.068,"endTime":1655.447,"body":"I really need to pay attention to this."},{"speaker":"Average Joe Finances","startTime":1655.447,"endTime":1657.384,"body":"So that was a good way for"},{"speaker":"Average Joe Finances","startTime":1655.447,"endTime":1657.384,"body":"you to shift your mindset."},{"speaker":"Average Joe Finances","startTime":1657.434,"endTime":1660.417,"body":"So speaking of that kind of ties"},{"speaker":"Average Joe Finances","startTime":1657.434,"endTime":1660.417,"body":"into what my next question is here."},{"speaker":"Average Joe Finances","startTime":1660.417,"endTime":1663.559,"body":"And that is, throughout all these"},{"speaker":"Average Joe Finances","startTime":1660.417,"endTime":1663.559,"body":"experiences, there's several things that"},{"speaker":"Average Joe Finances","startTime":1663.559,"endTime":1665.774,"body":"you've been able to learn and grow on."},{"speaker":"Average Joe Finances","startTime":1666.044,"endTime":1668.834,"body":"So what is something that"},{"speaker":"Average Joe Finances","startTime":1666.044,"endTime":1668.834,"body":"you've learned that you wish"},{"speaker":"Average Joe Finances","startTime":1668.834,"endTime":1670.334,"body":"you knew when you first started?"},{"speaker":"Average Joe Finances","startTime":1670.353,"endTime":1672.397,"body":"I guess I would say in the"},{"speaker":"Average Joe Finances","startTime":1670.353,"endTime":1672.397,"body":"personal finance space."},{"speaker":"Tyson Koska","startTime":1672.547,"endTime":1672.817,"body":"Yeah."},{"speaker":"Tyson Koska","startTime":1672.842,"endTime":1676.535,"body":"And honestly my answer would be in"},{"speaker":"Tyson Koska","startTime":1672.842,"endTime":1676.535,"body":"a personal finance space anyway."},{"speaker":"Tyson Koska","startTime":1676.835,"endTime":1680.015,"body":"And it's, it goes back to"},{"speaker":"Tyson Koska","startTime":1676.835,"endTime":1680.015,"body":"that compound interesting."},{"speaker":"Tyson Koska","startTime":1680.135,"endTime":1681.827,"body":"It's it almost doesn't"},{"speaker":"Tyson Koska","startTime":1680.135,"endTime":1681.827,"body":"matter what you saved."},{"speaker":"Tyson Koska","startTime":1682.097,"endTime":1683.831,"body":"Just do a little bit of something."},{"speaker":"Tyson Koska","startTime":1683.891,"endTime":1685.061,"body":"Save a little bit of something."},{"speaker":"Tyson Koska","startTime":1685.301,"endTime":1687.251,"body":"Sooner the better, right now."},{"speaker":"Tyson Koska","startTime":1687.331,"endTime":1690.061,"body":"It has to be now, cuz if you didn't"},{"speaker":"Tyson Koska","startTime":1687.331,"endTime":1690.061,"body":"already start, it has to be now"},{"speaker":"Tyson Koska","startTime":1690.278,"endTime":1695.288,"body":"because you get this little buzz when"},{"speaker":"Tyson Koska","startTime":1690.278,"endTime":1695.288,"body":"you see, okay., I saved the money,"},{"speaker":"Tyson Koska","startTime":1695.558,"endTime":1698.738,"body":"but then hopefully you're not just"},{"speaker":"Tyson Koska","startTime":1695.558,"endTime":1698.738,"body":"putting it into a savings account"},{"speaker":"Tyson Koska","startTime":1698.738,"endTime":1700.118,"body":"don't do that, put it into something."},{"speaker":"Tyson Koska","startTime":1700.298,"endTime":1701.528,"body":"That's gonna give you"},{"speaker":"Tyson Koska","startTime":1700.298,"endTime":1701.528,"body":"a little bit of action."},{"speaker":"Tyson Koska","startTime":1701.728,"endTime":1705.388,"body":"And you start to see that and you're"},{"speaker":"Tyson Koska","startTime":1701.728,"endTime":1705.388,"body":"like, oh wow, that's really neat."},{"speaker":"Tyson Koska","startTime":1705.448,"endTime":1708.688,"body":"And then it starts growing"},{"speaker":"Tyson Koska","startTime":1705.448,"endTime":1708.688,"body":"in a way that's non-linear."},{"speaker":"Tyson Koska","startTime":1708.988,"endTime":1711.808,"body":"Now I know that we're in a tough"},{"speaker":"Tyson Koska","startTime":1708.988,"endTime":1711.808,"body":"market right now, but actually now it's"},{"speaker":"Tyson Koska","startTime":1711.808,"endTime":1715.348,"body":"probably  among the best act to get"},{"speaker":"Tyson Koska","startTime":1711.808,"endTime":1715.348,"body":"in because we are in a tough market."},{"speaker":"Tyson Koska","startTime":1715.648,"endTime":1719.861,"body":"And that little buzz, that little charge"},{"speaker":"Tyson Koska","startTime":1715.648,"endTime":1719.861,"body":"that I'm making money on my money."},{"speaker":"Tyson Koska","startTime":1719.871,"endTime":1723.319,"body":"It's not addictive, but it's, it"},{"speaker":"Tyson Koska","startTime":1719.871,"endTime":1723.319,"body":"is very fulfilling to see that"},{"speaker":"Tyson Koska","startTime":1723.319,"endTime":1724.559,"body":"progress be made in your life."},{"speaker":"Average Joe Finances","startTime":1724.732,"endTime":1725.452,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1725.452,"endTime":1728.397,"body":"It helps fill that joy bucket,"},{"speaker":"Average Joe Finances","startTime":1725.452,"endTime":1728.397,"body":"when it comes to just being"},{"speaker":"Average Joe Finances","startTime":1728.397,"endTime":1729.807,"body":"able to enjoy what you're doing."},{"speaker":"Average Joe Finances","startTime":1729.807,"endTime":1734.547,"body":"But when you're able to see the money"},{"speaker":"Average Joe Finances","startTime":1729.807,"endTime":1734.547,"body":"that you've been putting away, just grow"},{"speaker":"Average Joe Finances","startTime":1734.577,"endTime":1737.697,"body":"with, especially with compound interest,"},{"speaker":"Average Joe Finances","startTime":1734.577,"endTime":1737.697,"body":"there's a reason why it's called the it's"},{"speaker":"Average Joe Finances","startTime":1737.702,"endTime":1738.948,"body":"called the eighth wonder of the world."},{"speaker":"Average Joe Finances","startTime":1738.948,"endTime":1740.481,"body":"It's just amazing to watch that."},{"speaker":"Average Joe Finances","startTime":1740.486,"endTime":1742.682,"body":"And for, especially"},{"speaker":"Average Joe Finances","startTime":1740.486,"endTime":1742.682,"body":"when you start nothing."},{"speaker":"Average Joe Finances","startTime":1742.982,"endTime":1746.342,"body":"And you start from zero and you're just"},{"speaker":"Average Joe Finances","startTime":1742.982,"endTime":1746.342,"body":"watching it and you're like, oh man,"},{"speaker":"Average Joe Finances","startTime":1746.342,"endTime":1748.412,"body":"am I really even doing the right thing?"},{"speaker":"Average Joe Finances","startTime":1748.622,"endTime":1751.292,"body":"And then a year later you're"},{"speaker":"Average Joe Finances","startTime":1748.622,"endTime":1751.292,"body":"like, okay, this is looking nicer."},{"speaker":"Average Joe Finances","startTime":1751.292,"endTime":1753.362,"body":"And then two years later"},{"speaker":"Average Joe Finances","startTime":1751.292,"endTime":1753.362,"body":"you're like, okay, we're."},{"speaker":"Average Joe Finances","startTime":1753.512,"endTime":1757.412,"body":"This looks like it's promising"},{"speaker":"Average Joe Finances","startTime":1753.512,"endTime":1757.412,"body":"3, 4, 5, 6 years later."},{"speaker":"Average Joe Finances","startTime":1757.412,"endTime":1758.282,"body":"And you're like, wow."},{"speaker":"Average Joe Finances","startTime":1758.432,"endTime":1761.945,"body":"Now I'm at the point where, I'm"},{"speaker":"Average Joe Finances","startTime":1758.432,"endTime":1761.945,"body":"now making more of my interest"},{"speaker":"Average Joe Finances","startTime":1761.945,"endTime":1763.115,"body":"than what I'm putting in monthly."},{"speaker":"Average Joe Finances","startTime":1763.12,"endTime":1764.135,"body":"This is really cool."},{"speaker":"Average Joe Finances","startTime":1764.435,"endTime":1768.714,"body":"So it's just a matter of disciplining"},{"speaker":"Average Joe Finances","startTime":1764.435,"endTime":1768.714,"body":"yourself to constantly just keep"},{"speaker":"Average Joe Finances","startTime":1768.719,"endTime":1771.026,"body":"putting in and and investing."},{"speaker":"Average Joe Finances","startTime":1771.056,"endTime":1772.252,"body":"So that's I think that's huge."},{"speaker":"Average Joe Finances","startTime":1772.252,"endTime":1775.27,"body":"Definitely good thing that, that"},{"speaker":"Average Joe Finances","startTime":1772.252,"endTime":1775.27,"body":"you've learned on your journey here."},{"speaker":"Average Joe Finances","startTime":1775.289,"endTime":1778.596,"body":"So speaking of that, so this all,"},{"speaker":"Average Joe Finances","startTime":1775.289,"endTime":1778.596,"body":"again, this ties into the next question."},{"speaker":"Average Joe Finances","startTime":1778.596,"endTime":1781.086,"body":"Do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":1778.596,"endTime":1781.086,"body":"that you would recommend to someone"},{"speaker":"Average Joe Finances","startTime":1781.086,"endTime":1782.556,"body":"that is just getting started today?"},{"speaker":"Average Joe Finances","startTime":1782.556,"endTime":1786.587,"body":"And by that, let's say somebody that"},{"speaker":"Average Joe Finances","startTime":1782.556,"endTime":1786.587,"body":"had, they just finished school, they"},{"speaker":"Average Joe Finances","startTime":1786.587,"endTime":1790.783,"body":"just finished college or they they"},{"speaker":"Average Joe Finances","startTime":1786.587,"endTime":1790.783,"body":"just joined the military, whatever"},{"speaker":"Average Joe Finances","startTime":1790.783,"endTime":1793.663,"body":"that may be, whatever it is that"},{"speaker":"Average Joe Finances","startTime":1790.783,"endTime":1793.663,"body":"there's, their starting point is"},{"speaker":"Average Joe Finances","startTime":1793.903,"endTime":1795.353,"body":"what would you recommend to somebody?"},{"speaker":"Tyson Koska","startTime":1795.503,"endTime":1798.893,"body":"So something you mentioned"},{"speaker":"Tyson Koska","startTime":1795.503,"endTime":1798.893,"body":"earlier was, you've gotta, you've gotta"},{"speaker":"Tyson Koska","startTime":1798.893,"endTime":1800.723,"body":"do things in your life that bring you joy."},{"speaker":"Tyson Koska","startTime":1801.023,"endTime":1804.327,"body":"And if you try to, if you're trying"},{"speaker":"Tyson Koska","startTime":1801.023,"endTime":1804.327,"body":"to be frugal and giving up everything"},{"speaker":"Tyson Koska","startTime":1804.327,"endTime":1807.207,"body":"and just eating, like you said,"},{"speaker":"Tyson Koska","startTime":1804.327,"endTime":1807.207,"body":"Ramen noodle three times a day."},{"speaker":"Tyson Koska","startTime":1807.207,"endTime":1808.148,"body":"And I don't go anywhere."},{"speaker":"Tyson Koska","startTime":1808.148,"endTime":1811.101,"body":"I just sit and stare at a wall, you're"},{"speaker":"Tyson Koska","startTime":1808.148,"endTime":1811.101,"body":"gonna fail and you're gonna be miserable."},{"speaker":"Tyson Koska","startTime":1811.401,"endTime":1813.321,"body":"You've gotta find things"},{"speaker":"Tyson Koska","startTime":1811.401,"endTime":1813.321,"body":"in life that bring you joy."},{"speaker":"Tyson Koska","startTime":1813.621,"endTime":1814.551,"body":"And here's what I'll say."},{"speaker":"Tyson Koska","startTime":1814.671,"endTime":1819.201,"body":"There are a lot of things in life that can"},{"speaker":"Tyson Koska","startTime":1814.671,"endTime":1819.201,"body":"bring you joy that actually pay you back."},{"speaker":"Tyson Koska","startTime":1819.411,"endTime":1820.821,"body":"That aren't a money hole."},{"speaker":"Tyson Koska","startTime":1821.061,"endTime":1822.201,"body":"So I always."},{"speaker":"Tyson Koska","startTime":1822.501,"endTime":1826.751,"body":"If you if you like really good"},{"speaker":"Tyson Koska","startTime":1822.501,"endTime":1826.751,"body":"meals, when you go to a restaurant,"},{"speaker":"Tyson Koska","startTime":1826.751,"endTime":1827.651,"body":"I dunno if you know this or not."},{"speaker":"Tyson Koska","startTime":1827.861,"endTime":1831.191,"body":"When you go to a restaurant,"},{"speaker":"Tyson Koska","startTime":1827.861,"endTime":1831.191,"body":"their target cost on, do you know"},{"speaker":"Tyson Koska","startTime":1831.191,"endTime":1832.481,"body":"what the target cost on food is?"},{"speaker":"Tyson Koska","startTime":1832.481,"endTime":1833.242,"body":"When you go to a restaurant?"},{"speaker":"Average Joe Finances","startTime":1833.392,"endTime":1834.232,"body":"I do not"},{"speaker":"Tyson Koska","startTime":1834.532,"endTime":1835.282,"body":"30%."},{"speaker":"Tyson Koska","startTime":1835.582,"endTime":1840.082,"body":"So their target cost is to"},{"speaker":"Tyson Koska","startTime":1835.582,"endTime":1840.082,"body":"keep the food cost at 30%."},{"speaker":"Tyson Koska","startTime":1840.232,"endTime":1844.582,"body":"So when you buy something, you're"},{"speaker":"Tyson Koska","startTime":1840.232,"endTime":1844.582,"body":"paying 70% for the experience and the"},{"speaker":"Tyson Koska","startTime":1844.582,"endTime":1847.882,"body":"ambiance and having somebody wait on"},{"speaker":"Tyson Koska","startTime":1844.582,"endTime":1847.882,"body":"you, but you're paying the waiter extra"},{"speaker":"Tyson Koska","startTime":1847.882,"endTime":1848.842,"body":"anyway, cause you're tipping them."},{"speaker":"Tyson Koska","startTime":1849.142,"endTime":1852.645,"body":"So you're paying 70% just for the"},{"speaker":"Tyson Koska","startTime":1849.142,"endTime":1852.645,"body":"cook to cook it and the ambiance and"},{"speaker":"Tyson Koska","startTime":1852.807,"endTime":1854.817,"body":"obviously the chef to create the menu."},{"speaker":"Tyson Koska","startTime":1855.117,"endTime":1859.767,"body":"But if you can learn to cook and you can"},{"speaker":"Tyson Koska","startTime":1855.117,"endTime":1859.767,"body":"make meals that really give you joy, you"},{"speaker":"Tyson Koska","startTime":1859.767,"endTime":1862.677,"body":"are gonna make so much because a you're"},{"speaker":"Tyson Koska","startTime":1859.767,"endTime":1862.677,"body":"gonna impress every woman every day."},{"speaker":"Tyson Koska","startTime":1862.696,"endTime":1865.336,"body":"And you're gonna have great"},{"speaker":"Tyson Koska","startTime":1862.696,"endTime":1865.336,"body":"meals and you're gonna be"},{"speaker":"Tyson Koska","startTime":1865.336,"endTime":1867.146,"body":"like, oh, this is amazing food."},{"speaker":"Tyson Koska","startTime":1867.296,"endTime":1869.396,"body":"Another example is fitness."},{"speaker":"Tyson Koska","startTime":1869.613,"endTime":1873.003,"body":"I wouldn't say I'm an avid hiker,"},{"speaker":"Tyson Koska","startTime":1869.613,"endTime":1873.003,"body":"but I go, I hike regularly."},{"speaker":"Tyson Koska","startTime":1873.033,"endTime":1874.863,"body":"My wife and I, we enjoy going on hikes."},{"speaker":"Tyson Koska","startTime":1874.953,"endTime":1878.622,"body":"I do a boy's trip annually where we"},{"speaker":"Tyson Koska","startTime":1874.953,"endTime":1878.622,"body":"all go and take our tents out into"},{"speaker":"Tyson Koska","startTime":1878.622,"endTime":1879.732,"body":"the woods and do a little hike."},{"speaker":"Tyson Koska","startTime":1879.737,"endTime":1882.462,"body":"And it's great, but it's"},{"speaker":"Tyson Koska","startTime":1879.737,"endTime":1882.462,"body":"great physical fitness, right?"},{"speaker":"Tyson Koska","startTime":1882.462,"endTime":1883.722,"body":"Physical fitness pays you back."},{"speaker":"Tyson Koska","startTime":1883.902,"endTime":1885.942,"body":"It doesn't cost a lot of"},{"speaker":"Tyson Koska","startTime":1883.902,"endTime":1885.942,"body":"money to hike in the woods."},{"speaker":"Tyson Koska","startTime":1886.242,"endTime":1888.072,"body":"My point is find a habit."},{"speaker":"Tyson Koska","startTime":1888.162,"endTime":1888.712,"body":"Gardening."},{"speaker":"Tyson Koska","startTime":1888.792,"endTime":1890.322,"body":"The gardening's another"},{"speaker":"Tyson Koska","startTime":1888.792,"endTime":1890.322,"body":"one that can pay you back."},{"speaker":"Tyson Koska","startTime":1890.572,"endTime":1891.168,"body":"Crafting."},{"speaker":"Tyson Koska","startTime":1891.348,"endTime":1894.378,"body":"You, you figure out a craft that you"},{"speaker":"Tyson Koska","startTime":1891.348,"endTime":1894.378,"body":"like, maybe you can sell some of it."},{"speaker":"Tyson Koska","startTime":1894.618,"endTime":1896.508,"body":"At least you can give some"},{"speaker":"Tyson Koska","startTime":1894.618,"endTime":1896.508,"body":"Christmas presents away."},{"speaker":"Tyson Koska","startTime":1896.508,"endTime":1900.629,"body":"Like these things, you can find little"},{"speaker":"Tyson Koska","startTime":1896.508,"endTime":1900.629,"body":"joys in your life that you enjoy doing"},{"speaker":"Tyson Koska","startTime":1900.779,"endTime":1904.846,"body":"that pay you for doing them, which I"},{"speaker":"Tyson Koska","startTime":1900.779,"endTime":1904.846,"body":"think is if you can do that's a great."},{"speaker":"Tyson Koska","startTime":1904.896,"endTime":1909.065,"body":"My personal I, my, my little habit that"},{"speaker":"Tyson Koska","startTime":1904.896,"endTime":1909.065,"body":"pays me back, I make sausage, I make all"},{"speaker":"Tyson Koska","startTime":1909.065,"endTime":1912.815,"body":"kinds of different sausages and giving to"},{"speaker":"Tyson Koska","startTime":1909.065,"endTime":1912.815,"body":"family and friends and eat 'em at home."},{"speaker":"Tyson Koska","startTime":1912.815,"endTime":1914.475,"body":"And sauges making is cheap."},{"speaker":"Average Joe Finances","startTime":1914.775,"endTime":1916.005,"body":"Yeah, that's fantastic."},{"speaker":"Average Joe Finances","startTime":1916.095,"endTime":1919.676,"body":"It's a great way to look at, taking"},{"speaker":"Average Joe Finances","startTime":1916.095,"endTime":1919.676,"body":"something that, that brings you joy and"},{"speaker":"Average Joe Finances","startTime":1919.676,"endTime":1923.749,"body":"utilizing it to not only like maybe save"},{"speaker":"Average Joe Finances","startTime":1919.676,"endTime":1923.749,"body":"you money or even make you money as well."},{"speaker":"Average Joe Finances","startTime":1923.749,"endTime":1926.975,"body":"So I'm pretty sure if you wanted to, you"},{"speaker":"Average Joe Finances","startTime":1923.749,"endTime":1926.975,"body":"could probably sell some of those sausages"},{"speaker":"Average Joe Finances","startTime":1927.157,"endTime":1928.933,"body":"as well and make a little bit from that."},{"speaker":"Average Joe Finances","startTime":1929.083,"endTime":1933.463,"body":"Now you have this hobby that you enjoy"},{"speaker":"Average Joe Finances","startTime":1929.083,"endTime":1933.463,"body":"doing and you can give it away as gifts."},{"speaker":"Average Joe Finances","startTime":1933.642,"endTime":1934.482,"body":"Different things like that."},{"speaker":"Average Joe Finances","startTime":1934.482,"endTime":1937.065,"body":"That's gonna save you money,"},{"speaker":"Average Joe Finances","startTime":1934.482,"endTime":1937.065,"body":"like for birthdays and"},{"speaker":"Average Joe Finances","startTime":1937.065,"endTime":1938.295,"body":"holidays and things like that."},{"speaker":"Average Joe Finances","startTime":1938.295,"endTime":1941.025,"body":"You've gotta, you've got a"},{"speaker":"Average Joe Finances","startTime":1938.295,"endTime":1941.025,"body":"skill or a talent that you can"},{"speaker":"Average Joe Finances","startTime":1941.03,"endTime":1943.875,"body":"utilize that you enjoy doing."},{"speaker":"Average Joe Finances","startTime":1944.048,"endTime":1946.563,"body":"And, it's, that's less money"},{"speaker":"Average Joe Finances","startTime":1944.048,"endTime":1946.563,"body":"you have to spend on something"},{"speaker":"Average Joe Finances","startTime":1946.585,"endTime":1947.657,"body":"for little things like that."},{"speaker":"Average Joe Finances","startTime":1947.693,"endTime":1948.983,"body":"It could really go a long way."},{"speaker":"Average Joe Finances","startTime":1948.987,"endTime":1951.825,"body":"And I just wanted to point out too, if you"},{"speaker":"Average Joe Finances","startTime":1948.987,"endTime":1951.825,"body":"ever if you ever come out to Hawaii and"},{"speaker":"Average Joe Finances","startTime":1951.825,"endTime":1953.565,"body":"you wanna go hiking definitely hit me up."},{"speaker":"Average Joe Finances","startTime":1953.625,"endTime":1954.045,"body":"For sure."},{"speaker":"Average Joe Finances","startTime":1954.074,"endTime":1955.394,"body":"There's a lot of great hikes out here."},{"speaker":"Average Joe Finances","startTime":1955.605,"endTime":1956.685,"body":"Okay, fantastic."},{"speaker":"Average Joe Finances","startTime":1956.716,"endTime":1958.906,"body":"So Tyson, I'd like to move"},{"speaker":"Average Joe Finances","startTime":1956.716,"endTime":1958.906,"body":"on to the last question."},{"speaker":"Average Joe Finances","startTime":1958.906,"endTime":1960.776,"body":"This is more of like an"},{"speaker":"Average Joe Finances","startTime":1958.906,"endTime":1960.776,"body":"opinion based question."},{"speaker":"Average Joe Finances","startTime":1960.776,"endTime":1961.819,"body":"It's important as well."},{"speaker":"Average Joe Finances","startTime":1961.821,"endTime":1965.544,"body":"Do you have a favorite business"},{"speaker":"Average Joe Finances","startTime":1961.821,"endTime":1965.544,"body":"investing or real estate"},{"speaker":"Average Joe Finances","startTime":1965.544,"endTime":1967.824,"body":"related book or podcast or both?"},{"speaker":"Tyson Koska","startTime":1968.035,"endTime":1971.266,"body":"So I'm gonna, I'm"},{"speaker":"Tyson Koska","startTime":1968.035,"endTime":1971.266,"body":"gonna, hopefully this stays within"},{"speaker":"Tyson Koska","startTime":1971.266,"endTime":1972.556,"body":"the guardrails of the question."},{"speaker":"Tyson Koska","startTime":1972.856,"endTime":1977.197,"body":"Business, investing, real estate,"},{"speaker":"Tyson Koska","startTime":1972.856,"endTime":1977.197,"body":"all of these things take a little bit"},{"speaker":"Tyson Koska","startTime":1977.197,"endTime":1978.937,"body":"of discipline to follow through on."},{"speaker":"Tyson Koska","startTime":1978.996,"endTime":1984.031,"body":"And one of the really good books I've"},{"speaker":"Tyson Koska","startTime":1978.996,"endTime":1984.031,"body":"read in the past five years is Willpower"},{"speaker":"Tyson Koska","startTime":1984.031,"endTime":1989.611,"body":"does not work by Ben Hardy and this"},{"speaker":"Tyson Koska","startTime":1984.031,"endTime":1989.611,"body":"book is all about, so a few years back,"},{"speaker":"Tyson Koska","startTime":1989.611,"endTime":1990.781,"body":"there was this whole notion of grit."},{"speaker":"Tyson Koska","startTime":1990.811,"endTime":1992.041,"body":"You gotta power through everything."},{"speaker":"Tyson Koska","startTime":1992.046,"endTime":1994.711,"body":"You've gotta like, just"},{"speaker":"Tyson Koska","startTime":1992.046,"endTime":1994.711,"body":"find the inner strength."},{"speaker":"Tyson Koska","startTime":1995.011,"endTime":2001.781,"body":"And his whole take is, maybe, but maybe,"},{"speaker":"Tyson Koska","startTime":1995.011,"endTime":2001.781,"body":"that'll work for a time and eventually,"},{"speaker":"Tyson Koska","startTime":2002.081,"endTime":2006.341,"body":"just trying to pow eventually any muscle,"},{"speaker":"Tyson Koska","startTime":2002.081,"endTime":2006.341,"body":"if you strain it, it's gonna give out."},{"speaker":"Tyson Koska","startTime":2006.641,"endTime":2009.661,"body":"And so this whole book is"},{"speaker":"Tyson Koska","startTime":2006.641,"endTime":2009.661,"body":"about building up willpower."},{"speaker":"Tyson Koska","startTime":2009.961,"endTime":2015.721,"body":"To recognize the frailties of just trying"},{"speaker":"Tyson Koska","startTime":2009.961,"endTime":2015.721,"body":"to power through everything in your life."},{"speaker":"Tyson Koska","startTime":2015.961,"endTime":2018.121,"body":"And I think it's a really"},{"speaker":"Tyson Koska","startTime":2015.961,"endTime":2018.121,"body":"great, it's a great read."},{"speaker":"Tyson Koska","startTime":2018.246,"endTime":2019.291,"body":"It's a habit building book."},{"speaker":"Tyson Koska","startTime":2019.38,"endTime":2021.81,"body":"I know there's lots of habit building"},{"speaker":"Tyson Koska","startTime":2019.38,"endTime":2021.81,"body":"books out there, but it really struck"},{"speaker":"Tyson Koska","startTime":2021.81,"endTime":2026.31,"body":"me that something that's just applicable"},{"speaker":"Tyson Koska","startTime":2021.81,"endTime":2026.31,"body":"across whatever you're trying to do."},{"speaker":"Tyson Koska","startTime":2026.528,"endTime":2030.128,"body":"When I first got into investing,"},{"speaker":"Tyson Koska","startTime":2026.528,"endTime":2030.128,"body":"I was so completely overwhelmed."},{"speaker":"Tyson Koska","startTime":2030.428,"endTime":2033.578,"body":"And after I lost a little bit of money,"},{"speaker":"Tyson Koska","startTime":2030.428,"endTime":2033.578,"body":"I was like, I never wanna do this again."},{"speaker":"Tyson Koska","startTime":2033.818,"endTime":2036.428,"body":"And then when I tried to dip my"},{"speaker":"Tyson Koska","startTime":2033.818,"endTime":2036.428,"body":"toe back in again, I read some"},{"speaker":"Tyson Koska","startTime":2036.428,"endTime":2040.993,"body":"good, more passive ways to invest"},{"speaker":"Tyson Koska","startTime":2036.428,"endTime":2040.993,"body":"which saved my sanity and actually"},{"speaker":"Tyson Koska","startTime":2040.993,"endTime":2042.653,"body":"helped my pocket book quite a bit."},{"speaker":"Tyson Koska","startTime":2042.679,"endTime":2046.462,"body":"But this book I think is regardless"},{"speaker":"Tyson Koska","startTime":2042.679,"endTime":2046.462,"body":"of what you're trying to achieve,"},{"speaker":"Tyson Koska","startTime":2046.762,"endTime":2049.997,"body":"it's about breaking things down and"},{"speaker":"Tyson Koska","startTime":2046.762,"endTime":2049.997,"body":"taking it small bites and setting"},{"speaker":"Tyson Koska","startTime":2049.997,"endTime":2051.377,"body":"your expectations in the right."},{"speaker":"Average Joe Finances","startTime":2051.594,"endTime":2052.437,"body":"No that's fantastic."},{"speaker":"Average Joe Finances","startTime":2052.437,"endTime":2053.702,"body":"That's definitely a great recommendation."},{"speaker":"Average Joe Finances","startTime":2053.702,"endTime":2055.952,"body":"I wrote that one down"},{"speaker":"Average Joe Finances","startTime":2053.702,"endTime":2055.952,"body":"to, to add to my list."},{"speaker":"Average Joe Finances","startTime":2056.016,"endTime":2060.18,"body":"Yeah, because it's when it comes to,"},{"speaker":"Average Joe Finances","startTime":2056.016,"endTime":2060.18,"body":"business, investing, real estate,"},{"speaker":"Average Joe Finances","startTime":2060.21,"endTime":2064.718,"body":"all that right there, there comes"},{"speaker":"Average Joe Finances","startTime":2060.21,"endTime":2064.718,"body":"this discipline that you have to have"},{"speaker":"Average Joe Finances","startTime":2064.868,"endTime":2068.326,"body":"with those with those things, the"},{"speaker":"Average Joe Finances","startTime":2064.868,"endTime":2068.326,"body":"different topics, different subjects."},{"speaker":"Average Joe Finances","startTime":2068.626,"endTime":2071.956,"body":"But discipline is huge if you"},{"speaker":"Average Joe Finances","startTime":2068.626,"endTime":2071.956,"body":"don't, if you lack discipline"},{"speaker":"Average Joe Finances","startTime":2072.076,"endTime":2074.107,"body":"and or, Willpower right."},{"speaker":"Average Joe Finances","startTime":2074.107,"endTime":2076.275,"body":"Also to, to just keep pushing forward."},{"speaker":"Average Joe Finances","startTime":2076.281,"endTime":2076.911,"body":"That's huge."},{"speaker":"Average Joe Finances","startTime":2076.947,"endTime":2080.676,"body":"And the fact that this book is something"},{"speaker":"Average Joe Finances","startTime":2076.947,"endTime":2080.676,"body":"that can help you understand that a"},{"speaker":"Average Joe Finances","startTime":2080.676,"endTime":2083.979,"body":"little bit better, I think is very"},{"speaker":"Average Joe Finances","startTime":2080.676,"endTime":2083.979,"body":"valuable to anybody that's looking"},{"speaker":"Average Joe Finances","startTime":2083.979,"endTime":2088.081,"body":"to either get started in business"},{"speaker":"Average Joe Finances","startTime":2083.979,"endTime":2088.081,"body":"or investing or anything like that."},{"speaker":"Average Joe Finances","startTime":2088.085,"endTime":2088.789,"body":"Definitely huge."},{"speaker":"Average Joe Finances","startTime":2088.789,"endTime":2090.559,"body":"So definitely appreciate"},{"speaker":"Average Joe Finances","startTime":2088.789,"endTime":2090.559,"body":"that recommendation."},{"speaker":"Average Joe Finances","startTime":2090.735,"endTime":2092.295,"body":"Now I do have one more question for you."},{"speaker":"Average Joe Finances","startTime":2092.505,"endTime":2096.235,"body":"We're done with the final four, but I have"},{"speaker":"Average Joe Finances","startTime":2092.505,"endTime":2096.235,"body":"one more question for you and it's really"},{"speaker":"Average Joe Finances","startTime":2096.235,"endTime":2100.025,"body":"important question and this is for the"},{"speaker":"Average Joe Finances","startTime":2096.235,"endTime":2100.025,"body":"people that have been listening to this"},{"speaker":"Average Joe Finances","startTime":2100.025,"endTime":2105.62,"body":"episode that, are like, Hey, I really like"},{"speaker":"Average Joe Finances","startTime":2100.025,"endTime":2105.62,"body":"what, what Tyson's talking about here."},{"speaker":"Average Joe Finances","startTime":2105.89,"endTime":2109.256,"body":"I really I'd like to learn more"},{"speaker":"Average Joe Finances","startTime":2105.89,"endTime":2109.256,"body":"about his software, and everything."},{"speaker":"Average Joe Finances","startTime":2109.256,"endTime":2113.666,"body":"Maybe this is something I can utilize to,"},{"speaker":"Average Joe Finances","startTime":2109.256,"endTime":2113.666,"body":"to get better in my own personal finances."},{"speaker":"Average Joe Finances","startTime":2113.936,"endTime":2116.139,"body":"So they're gonna wanna"},{"speaker":"Average Joe Finances","startTime":2113.936,"endTime":2116.139,"body":"know more about you."},{"speaker":"Average Joe Finances","startTime":2116.139,"endTime":2118.701,"body":"So where can people find"},{"speaker":"Average Joe Finances","startTime":2116.139,"endTime":2118.701,"body":"this information about you?"},{"speaker":"Average Joe Finances","startTime":2118.701,"endTime":2121.371,"body":"Do you have a website you could"},{"speaker":"Average Joe Finances","startTime":2118.701,"endTime":2121.371,"body":"share with us or any social media"},{"speaker":"Average Joe Finances","startTime":2121.371,"endTime":2122.621,"body":"profiles or anything like that?"},{"speaker":"Tyson Koska","startTime":2122.796,"endTime":2123.216,"body":"Sure."},{"speaker":"Tyson Koska","startTime":2123.216,"endTime":2128.866,"body":"I mean ontrajectory as just"},{"speaker":"Tyson Koska","startTime":2123.216,"endTime":2128.866,"body":"one word ontrajectory.com,"},{"speaker":"Tyson Koska","startTime":2129.156,"endTime":2131.946,"body":"Instagram, Facebook, everything."},{"speaker":"Tyson Koska","startTime":2132.006,"endTime":2135.974,"body":"Oh, Twitter ontrajectory is where to find"},{"speaker":"Tyson Koska","startTime":2132.006,"endTime":2135.974,"body":"me, but I would definitely recommend, so"},{"speaker":"Tyson Koska","startTime":2135.974,"endTime":2138.661,"body":"we are free to try, we're free forever."},{"speaker":"Tyson Koska","startTime":2138.841,"endTime":2140.502,"body":"You can, you don't need a credit card."},{"speaker":"Tyson Koska","startTime":2140.592,"endTime":2145.811,"body":"It's just, I'm really, I really get"},{"speaker":"Tyson Koska","startTime":2140.592,"endTime":2145.811,"body":"charged up by just helping people"},{"speaker":"Tyson Koska","startTime":2146.081,"endTime":2148.751,"body":"visualize this long term financial plan."},{"speaker":"Tyson Koska","startTime":2148.991,"endTime":2150.856,"body":"So it's yeah, just go to on trajectory."},{"speaker":"Tyson Koska","startTime":2150.856,"endTime":2154.976,"body":"And if you ever wanna reach out"},{"speaker":"Tyson Koska","startTime":2150.856,"endTime":2154.976,"body":"to me, I'm ty@ontrajectory.com."},{"speaker":"Average Joe Finances","startTime":2155.266,"endTime":2155.566,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2155.566,"endTime":2156.496,"body":"Fantastic Tyson."},{"speaker":"Average Joe Finances","startTime":2156.496,"endTime":2157.129,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":2157.155,"endTime":2159.885,"body":"I'm gonna make sure I have all"},{"speaker":"Average Joe Finances","startTime":2157.155,"endTime":2159.885,"body":"those links in the show notes"},{"speaker":"Average Joe Finances","startTime":2159.885,"endTime":2161.205,"body":"to make it easier for everybody."},{"speaker":"Average Joe Finances","startTime":2161.505,"endTime":2165.162,"body":"And so you can copy and paste or"},{"speaker":"Average Joe Finances","startTime":2161.505,"endTime":2165.162,"body":"click away and go check it out."},{"speaker":"Average Joe Finances","startTime":2165.162,"endTime":2167.172,"body":"Go look up Tyson, go see what he's doing."},{"speaker":"Average Joe Finances","startTime":2167.172,"endTime":2169.482,"body":"Go check out ontrajectory and yeah."},{"speaker":"Average Joe Finances","startTime":2169.487,"endTime":2172.122,"body":"Hey, I appreciate everybody"},{"speaker":"Average Joe Finances","startTime":2169.487,"endTime":2172.122,"body":"listening to this episode and Tyson."},{"speaker":"Average Joe Finances","startTime":2172.122,"endTime":2175.482,"body":"I truly appreciate you coming on"},{"speaker":"Average Joe Finances","startTime":2172.122,"endTime":2175.482,"body":"and having this chat with me today."},{"speaker":"Average Joe Finances","startTime":2175.632,"endTime":2176.527,"body":"It's been really fun."},{"speaker":"Tyson Koska","startTime":2176.527,"endTime":2177.067,"body":"Thanks, Mike."},{"speaker":"Average Joe Finances","startTime":2177.367,"endTime":2178.387,"body":"All right, Aloha."}]}