{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.919,"endTime":2.299,"body":"Hey,"},{"speaker":"Average Joe Finances","startTime":0.919,"endTime":2.299,"body":"welcome back to the Average Joe"},{"speaker":"Average Joe Finances","startTime":2.299,"endTime":3.769,"body":"Finances podcast, everybody."},{"speaker":"Average Joe Finances","startTime":3.769,"endTime":8.252,"body":"I'm your host, Mike Cavaggioni,"},{"speaker":"Average Joe Finances","startTime":3.769,"endTime":8.252,"body":"and today's guest is Tony Bradshaw."},{"speaker":"Average Joe Finances","startTime":8.252,"endTime":11.264,"body":"So Tony super excited to talk with"},{"speaker":"Average Joe Finances","startTime":8.252,"endTime":11.264,"body":"you today and share your story."},{"speaker":"Average Joe Finances","startTime":11.474,"endTime":12.644,"body":"Thanks for joining me on the show."},{"speaker":"Tony Bradshaw","startTime":12.69,"endTime":13.68,"body":"Yeah, thanks for having me."},{"speaker":"Tony Bradshaw","startTime":13.68,"endTime":16.184,"body":"I'm looking forward to having"},{"speaker":"Tony Bradshaw","startTime":13.68,"endTime":16.184,"body":"a good discussion on finance."},{"speaker":"Average Joe Finances","startTime":16.338,"endTime":18.54,"body":"Definitely"},{"speaker":"Average Joe Finances","startTime":16.338,"endTime":18.54,"body":"appreciate that and I'd like to start this"},{"speaker":"Average Joe Finances","startTime":18.54,"endTime":21.643,"body":"off with the first question that I ask"},{"speaker":"Average Joe Finances","startTime":18.54,"endTime":21.643,"body":"everybody that comes on the show, cause we"},{"speaker":"Average Joe Finances","startTime":21.643,"endTime":25.843,"body":"wanna know a little bit more about you who"},{"speaker":"Average Joe Finances","startTime":21.643,"endTime":25.843,"body":"you are, what your story is so we can get"},{"speaker":"Average Joe Finances","startTime":25.843,"endTime":28.459,"body":"a better idea for who is Tony Bradshaw."},{"speaker":"Average Joe Finances","startTime":28.459,"endTime":32.106,"body":"So if you could please share"},{"speaker":"Average Joe Finances","startTime":28.459,"endTime":32.106,"body":"with us who is Tony bradshaw?"},{"speaker":"Tony Bradshaw","startTime":32.211,"endTime":32.986,"body":"Yeah, thanks for that."},{"speaker":"Tony Bradshaw","startTime":32.986,"endTime":35.216,"body":"I grew up in a financially"},{"speaker":"Tony Bradshaw","startTime":32.986,"endTime":35.216,"body":"mismanaged home."},{"speaker":"Tony Bradshaw","startTime":35.254,"endTime":37.564,"body":"Oddly enough, I still live in"},{"speaker":"Tony Bradshaw","startTime":35.254,"endTime":37.564,"body":"the same town I grew up in,"},{"speaker":"Tony Bradshaw","startTime":37.564,"endTime":38.884,"body":"which is Nashville, Tennessee."},{"speaker":"Tony Bradshaw","startTime":38.928,"endTime":42.712,"body":"We have a lot of immigrants coming"},{"speaker":"Tony Bradshaw","startTime":38.928,"endTime":42.712,"body":"from California, New York, Chicago"},{"speaker":"Tony Bradshaw","startTime":42.806,"endTime":44.525,"body":"anywhere that wants to move south."},{"speaker":"Tony Bradshaw","startTime":44.53,"endTime":48.425,"body":"We are one of the only states, by the way,"},{"speaker":"Tony Bradshaw","startTime":44.53,"endTime":48.425,"body":"that has no income tax, state income tax."},{"speaker":"Tony Bradshaw","startTime":48.425,"endTime":50.635,"body":"I think they are about, three"},{"speaker":"Tony Bradshaw","startTime":48.425,"endTime":50.635,"body":"or five different states that"},{"speaker":"Tony Bradshaw","startTime":50.635,"endTime":51.625,"body":"don't have income tax anymore."},{"speaker":"Tony Bradshaw","startTime":51.644,"endTime":53.774,"body":"But yeah, I grew up in a"},{"speaker":"Tony Bradshaw","startTime":51.644,"endTime":53.774,"body":"financially mismanaged home."},{"speaker":"Tony Bradshaw","startTime":53.895,"endTime":54.735,"body":"Give you an example."},{"speaker":"Tony Bradshaw","startTime":54.735,"endTime":57.042,"body":"Our power would get cut"},{"speaker":"Tony Bradshaw","startTime":54.735,"endTime":57.042,"body":"off pretty regularly."},{"speaker":"Tony Bradshaw","startTime":57.042,"endTime":58.902,"body":"I remember that several"},{"speaker":"Tony Bradshaw","startTime":57.042,"endTime":58.902,"body":"happening several times."},{"speaker":"Tony Bradshaw","startTime":58.946,"endTime":60.416,"body":"Our water would get cut off."},{"speaker":"Tony Bradshaw","startTime":60.445,"endTime":63.258,"body":"We would use what's called a water"},{"speaker":"Tony Bradshaw","startTime":60.445,"endTime":63.258,"body":"key to go out, open the water"},{"speaker":"Tony Bradshaw","startTime":63.258,"endTime":64.848,"body":"meter up, turn the water back on."},{"speaker":"Tony Bradshaw","startTime":64.876,"endTime":67.806,"body":"Because the bill had to be paid,"},{"speaker":"Tony Bradshaw","startTime":64.876,"endTime":67.806,"body":"and that works pretty well until you"},{"speaker":"Tony Bradshaw","startTime":67.816,"endTime":69.186,"body":"don't pay your bill continuously."},{"speaker":"Tony Bradshaw","startTime":69.186,"endTime":70.446,"body":"And then they put a padlock on it."},{"speaker":"Tony Bradshaw","startTime":70.483,"endTime":73.195,"body":"And my dad would come home from"},{"speaker":"Tony Bradshaw","startTime":70.483,"endTime":73.195,"body":"work sometimes and my mom would be"},{"speaker":"Tony Bradshaw","startTime":73.195,"endTime":74.395,"body":"like, Hey, the water's been cut off."},{"speaker":"Tony Bradshaw","startTime":74.395,"endTime":75.137,"body":"I wanna take a shower."},{"speaker":"Tony Bradshaw","startTime":75.145,"endTime":76.824,"body":"And we would, go turn the water on."},{"speaker":"Tony Bradshaw","startTime":76.824,"endTime":77.634,"body":"And that's part of it."},{"speaker":"Tony Bradshaw","startTime":77.844,"endTime":81.268,"body":"Lots of memories about my mom and dad"},{"speaker":"Tony Bradshaw","startTime":77.844,"endTime":81.268,"body":"fighting about bounce checks when my"},{"speaker":"Tony Bradshaw","startTime":81.268,"endTime":84.264,"body":"dad would take money out of the ATM"},{"speaker":"Tony Bradshaw","startTime":81.268,"endTime":84.264,"body":"and my mom wouldn't know about it,"},{"speaker":"Tony Bradshaw","startTime":84.264,"endTime":87.369,"body":"next thing you know, they're bouncing"},{"speaker":"Tony Bradshaw","startTime":84.264,"endTime":87.369,"body":"four, five or six checks, 20 to 40"},{"speaker":"Tony Bradshaw","startTime":87.369,"endTime":89.472,"body":"dollars a piece in return check fees."},{"speaker":"Tony Bradshaw","startTime":89.472,"endTime":91.672,"body":"And so that was the world I grew up in."},{"speaker":"Tony Bradshaw","startTime":91.672,"endTime":95.438,"body":"So small wonder, I was at 25"},{"speaker":"Tony Bradshaw","startTime":91.672,"endTime":95.438,"body":"and outta college and thought"},{"speaker":"Tony Bradshaw","startTime":95.438,"endTime":96.494,"body":"I was doing pretty well."},{"speaker":"Tony Bradshaw","startTime":96.512,"endTime":99.912,"body":"I think at that time my mom was making"},{"speaker":"Tony Bradshaw","startTime":96.512,"endTime":99.912,"body":"about 35 grand a year, and my first"},{"speaker":"Tony Bradshaw","startTime":99.912,"endTime":102.132,"body":"year outta college, I made $39,000."},{"speaker":"Tony Bradshaw","startTime":102.215,"endTime":104.458,"body":"And so I thought, Hey I"},{"speaker":"Tony Bradshaw","startTime":102.215,"endTime":104.458,"body":"just got to the party, man."},{"speaker":"Tony Bradshaw","startTime":104.458,"endTime":105.522,"body":"I'm just here."},{"speaker":"Tony Bradshaw","startTime":105.522,"endTime":106.542,"body":"I'm 25 years old."},{"speaker":"Tony Bradshaw","startTime":106.542,"endTime":107.639,"body":"My mom's 45."},{"speaker":"Tony Bradshaw","startTime":107.639,"endTime":109.319,"body":"I'm making more money than my mom and dad."},{"speaker":"Tony Bradshaw","startTime":109.398,"endTime":110.987,"body":"I'm arrived like I've conquered."},{"speaker":"Tony Bradshaw","startTime":110.988,"endTime":112.398,"body":"And then I got my W-2."},{"speaker":"Tony Bradshaw","startTime":112.408,"endTime":115.383,"body":"And when I got that and looked"},{"speaker":"Tony Bradshaw","startTime":112.408,"endTime":115.383,"body":"at it and I realized I had"},{"speaker":"Tony Bradshaw","startTime":115.383,"endTime":116.977,"body":"about 500 bucks in the bank."},{"speaker":"Tony Bradshaw","startTime":116.986,"endTime":119.176,"body":"I was about $16,000 in debt."},{"speaker":"Tony Bradshaw","startTime":119.178,"endTime":121.418,"body":"And it just hit me where"},{"speaker":"Tony Bradshaw","startTime":119.178,"endTime":121.418,"body":"did all that money go?"},{"speaker":"Tony Bradshaw","startTime":121.418,"endTime":124.285,"body":"Because I'm living in a studio"},{"speaker":"Tony Bradshaw","startTime":121.418,"endTime":124.285,"body":"bedroom at my parents' house,"},{"speaker":"Tony Bradshaw","startTime":124.292,"endTime":126.089,"body":"paying 200 bucks a month of rent."},{"speaker":"Tony Bradshaw","startTime":126.102,"endTime":130.703,"body":"I offered to pay 400, but they only took"},{"speaker":"Tony Bradshaw","startTime":126.102,"endTime":130.703,"body":"two, so they were very gracious and had"},{"speaker":"Tony Bradshaw","startTime":130.923,"endTime":132.863,"body":"a car that I had financed, a computer."},{"speaker":"Tony Bradshaw","startTime":132.863,"endTime":136.973,"body":"I financed a desk that my dad had built"},{"speaker":"Tony Bradshaw","startTime":132.863,"endTime":136.973,"body":"for me, a bed that I had built from"},{"speaker":"Tony Bradshaw","startTime":137.005,"endTime":139.343,"body":"Post and two by six s from Home Depot."},{"speaker":"Tony Bradshaw","startTime":139.41,"endTime":144.057,"body":"And a really good stereo and a really nice"},{"speaker":"Tony Bradshaw","startTime":139.41,"endTime":144.057,"body":"TV for the time, 27 Inch Sony Television"},{"speaker":"Tony Bradshaw","startTime":144.083,"endTime":147.627,"body":"Harman card stereo and some poke audio"},{"speaker":"Tony Bradshaw","startTime":144.083,"endTime":147.627,"body":"speakers, which is where I put most of"},{"speaker":"Tony Bradshaw","startTime":147.627,"endTime":149.278,"body":"my money and and I was just shocked."},{"speaker":"Tony Bradshaw","startTime":149.278,"endTime":151.662,"body":"I was like, wow, like"},{"speaker":"Tony Bradshaw","startTime":149.278,"endTime":151.662,"body":"where did all of that?"},{"speaker":"Tony Bradshaw","startTime":151.662,"endTime":155.196,"body":"Because that's $16,000 in the"},{"speaker":"Tony Bradshaw","startTime":151.662,"endTime":155.196,"body":"wrong direction and I made 39."},{"speaker":"Tony Bradshaw","startTime":155.196,"endTime":158.966,"body":"So I basically spent 55 grand that"},{"speaker":"Tony Bradshaw","startTime":155.196,"endTime":158.966,"body":"year and knew that was a bad formula,"},{"speaker":"Tony Bradshaw","startTime":158.966,"endTime":160.886,"body":"so I started going to the bookstore."},{"speaker":"Tony Bradshaw","startTime":160.943,"endTime":163.186,"body":"We didn't have internet back"},{"speaker":"Tony Bradshaw","startTime":160.943,"endTime":163.186,"body":"then or at least it was not"},{"speaker":"Tony Bradshaw","startTime":163.186,"endTime":164.506,"body":"as well known as it is today."},{"speaker":"Tony Bradshaw","startTime":164.506,"endTime":165.556,"body":"The resources weren't there."},{"speaker":"Tony Bradshaw","startTime":165.556,"endTime":168.996,"body":"So I go to the bookstore and just"},{"speaker":"Tony Bradshaw","startTime":165.556,"endTime":168.996,"body":"bought up money magazines, money books,"},{"speaker":"Tony Bradshaw","startTime":169.001,"endTime":170.316,"body":"and started learning about money."},{"speaker":"Tony Bradshaw","startTime":170.586,"endTime":174.364,"body":"And what I realized pretty quickly is"},{"speaker":"Tony Bradshaw","startTime":170.586,"endTime":174.364,"body":"that money really is just a math problem."},{"speaker":"Tony Bradshaw","startTime":174.372,"endTime":177.376,"body":"And it's a behavior problem as"},{"speaker":"Tony Bradshaw","startTime":174.372,"endTime":177.376,"body":"well, but it's also a math problem."},{"speaker":"Tony Bradshaw","startTime":177.387,"endTime":180.549,"body":"And I'm pretty good at math and it"},{"speaker":"Tony Bradshaw","startTime":177.387,"endTime":180.549,"body":"wasn't very complicated math and so"},{"speaker":"Tony Bradshaw","startTime":180.549,"endTime":184.039,"body":"that allowed me to put together a"},{"speaker":"Tony Bradshaw","startTime":180.549,"endTime":184.039,"body":"plan, what I call my millionaire plan"},{"speaker":"Tony Bradshaw","startTime":184.065,"endTime":185.997,"body":"to become a millionaire by age 40."},{"speaker":"Tony Bradshaw","startTime":186.022,"endTime":187.129,"body":"And I was able to do that."},{"speaker":"Tony Bradshaw","startTime":187.129,"endTime":192.421,"body":"And so to go from being a broke young guy"},{"speaker":"Tony Bradshaw","startTime":187.129,"endTime":192.421,"body":"at 25 and to believing that I could be a"},{"speaker":"Tony Bradshaw","startTime":192.426,"endTime":194.821,"body":"millionaire by age 40, that's a huge jump."},{"speaker":"Tony Bradshaw","startTime":194.844,"endTime":196.032,"body":"We were a lower income family."},{"speaker":"Tony Bradshaw","startTime":196.374,"endTime":197.501,"body":"Didn't manage our money well."},{"speaker":"Tony Bradshaw","startTime":197.501,"endTime":200.969,"body":"And and that's what I really try to do"},{"speaker":"Tony Bradshaw","startTime":197.501,"endTime":200.969,"body":"today, is I try to encourage people to"},{"speaker":"Tony Bradshaw","startTime":200.969,"endTime":204.869,"body":"make a millionaire choice like I did"},{"speaker":"Tony Bradshaw","startTime":200.969,"endTime":204.869,"body":"at 25 and to create a millionaire plan."},{"speaker":"Tony Bradshaw","startTime":204.952,"endTime":208.732,"body":"Do what they need to do to do that and"},{"speaker":"Tony Bradshaw","startTime":204.952,"endTime":208.732,"body":"what I find on my podcast and show is I"},{"speaker":"Tony Bradshaw","startTime":208.912,"endTime":211.672,"body":"interview people, millionaires, and future"},{"speaker":"Tony Bradshaw","startTime":208.912,"endTime":211.672,"body":"millionaires about how to build wealth,"},{"speaker":"Tony Bradshaw","startTime":211.672,"endTime":215.119,"body":"what to do with once you have it is most"},{"speaker":"Tony Bradshaw","startTime":211.672,"endTime":215.119,"body":"of their stories are exactly the same."},{"speaker":"Tony Bradshaw","startTime":215.119,"endTime":217.678,"body":"Most of the people I interviewed,"},{"speaker":"Tony Bradshaw","startTime":215.119,"endTime":217.678,"body":"they were in broke homes, broke"},{"speaker":"Tony Bradshaw","startTime":217.678,"endTime":219.448,"body":"family, single mom households."},{"speaker":"Tony Bradshaw","startTime":219.501,"endTime":222.541,"body":"Some were in Chinese concentration"},{"speaker":"Tony Bradshaw","startTime":219.501,"endTime":222.541,"body":"camps while they were in high school."},{"speaker":"Tony Bradshaw","startTime":222.603,"endTime":226.203,"body":"Others were homeless at age 19 and"},{"speaker":"Tony Bradshaw","startTime":222.603,"endTime":226.203,"body":"millionaires by the time they were age 30."},{"speaker":"Tony Bradshaw","startTime":226.216,"endTime":229.78,"body":"And those are the stories I"},{"speaker":"Tony Bradshaw","startTime":226.216,"endTime":229.78,"body":"keep hearing over and over"},{"speaker":"Tony Bradshaw","startTime":229.78,"endTime":231.43,"body":"again that were similar to mine."},{"speaker":"Tony Bradshaw","startTime":231.435,"endTime":233.77,"body":"Some of them had more"},{"speaker":"Tony Bradshaw","startTime":231.435,"endTime":233.77,"body":"struggles to face than I did."},{"speaker":"Tony Bradshaw","startTime":233.795,"endTime":235.89,"body":"Others maybe had a little"},{"speaker":"Tony Bradshaw","startTime":233.795,"endTime":235.89,"body":"bit of an easier road."},{"speaker":"Tony Bradshaw","startTime":235.89,"endTime":237.201,"body":"But that's who I am in a nutshell."},{"speaker":"Tony Bradshaw","startTime":237.201,"endTime":239.241,"body":"Just trying to get out there and"},{"speaker":"Tony Bradshaw","startTime":237.201,"endTime":239.241,"body":"make a difference in people's"},{"speaker":"Average Joe Finances","startTime":239.679,"endTime":242.068,"body":"Yeah, tony,"},{"speaker":"Average Joe Finances","startTime":239.679,"endTime":242.068,"body":"definitely appreciate, you sharing"},{"speaker":"Average Joe Finances","startTime":242.071,"endTime":245.802,"body":"your backstory and I think a lot of"},{"speaker":"Average Joe Finances","startTime":242.071,"endTime":245.802,"body":"us, we find that we've grown up in"},{"speaker":"Average Joe Finances","startTime":245.802,"endTime":249.482,"body":"a different time there was a lot of"},{"speaker":"Average Joe Finances","startTime":245.802,"endTime":249.482,"body":"financial irresponsibility for a lot"},{"speaker":"Average Joe Finances","startTime":249.482,"endTime":252.119,"body":"of people I know that listen to my"},{"speaker":"Average Joe Finances","startTime":249.482,"endTime":252.119,"body":"show, that that they realize in their"},{"speaker":"Average Joe Finances","startTime":252.119,"endTime":256.122,"body":"families I know for me growing up, like"},{"speaker":"Average Joe Finances","startTime":252.119,"endTime":256.122,"body":"money was always a very taboo thing."},{"speaker":"Average Joe Finances","startTime":256.122,"endTime":257.832,"body":"Like we didn't talk about it too much."},{"speaker":"Average Joe Finances","startTime":257.914,"endTime":260.634,"body":"It was not something that we talked"},{"speaker":"Average Joe Finances","startTime":257.914,"endTime":260.634,"body":"about at the dinner table, and it"},{"speaker":"Average Joe Finances","startTime":260.634,"endTime":262.182,"body":"was just a don't worry about it."},{"speaker":"Average Joe Finances","startTime":262.182,"endTime":264.777,"body":"Mom and dad's gonna take care of things"},{"speaker":"Average Joe Finances","startTime":262.182,"endTime":264.777,"body":"and you guys don't have to worry about it."},{"speaker":"Average Joe Finances","startTime":264.777,"endTime":266.549,"body":"Which it should be like"},{"speaker":"Average Joe Finances","startTime":264.777,"endTime":266.549,"body":"that for your children."},{"speaker":"Average Joe Finances","startTime":266.573,"endTime":269.58,"body":"But then when you start running"},{"speaker":"Average Joe Finances","startTime":266.573,"endTime":269.58,"body":"into problems and the children"},{"speaker":"Average Joe Finances","startTime":269.58,"endTime":271.5,"body":"notice and they see what's going on."},{"speaker":"Average Joe Finances","startTime":271.5,"endTime":273.75,"body":"They're like, okay, why is"},{"speaker":"Average Joe Finances","startTime":271.5,"endTime":273.75,"body":"the power getting cut off?"},{"speaker":"Average Joe Finances","startTime":273.75,"endTime":275.616,"body":"What, how come I can't"},{"speaker":"Average Joe Finances","startTime":273.75,"endTime":275.616,"body":"go take a hot shower?"},{"speaker":"Average Joe Finances","startTime":275.645,"endTime":275.735,"body":"What?"},{"speaker":"Average Joe Finances","startTime":275.765,"endTime":276.545,"body":"What's going on?"},{"speaker":"Average Joe Finances","startTime":276.682,"endTime":279.236,"body":"It's these little things"},{"speaker":"Average Joe Finances","startTime":276.682,"endTime":279.236,"body":"that kind of stick to you."},{"speaker":"Average Joe Finances","startTime":279.266,"endTime":281.784,"body":"And you remember, like when you look"},{"speaker":"Average Joe Finances","startTime":279.266,"endTime":281.784,"body":"at your childhood and you're like, Man."},{"speaker":"Average Joe Finances","startTime":281.789,"endTime":283.606,"body":"Yeah, I remember those times"},{"speaker":"Average Joe Finances","startTime":281.789,"endTime":283.606,"body":"and I remember the fights"},{"speaker":"Average Joe Finances","startTime":283.606,"endTime":284.318,"body":"and everything like that."},{"speaker":"Average Joe Finances","startTime":284.323,"endTime":285.96,"body":"So those things stick right."},{"speaker":"Average Joe Finances","startTime":285.96,"endTime":287.931,"body":"And it's something that"},{"speaker":"Average Joe Finances","startTime":285.96,"endTime":287.931,"body":"you'll never forget."},{"speaker":"Average Joe Finances","startTime":287.931,"endTime":290.917,"body":"But I think one of the things that, I"},{"speaker":"Average Joe Finances","startTime":287.931,"endTime":290.917,"body":"wanna point out that you had mentioned,"},{"speaker":"Average Joe Finances","startTime":290.917,"endTime":294.667,"body":"I was writing this stuff down as you"},{"speaker":"Average Joe Finances","startTime":290.917,"endTime":294.667,"body":"were going, but I feel like in the back"},{"speaker":"Average Joe Finances","startTime":294.672,"endTime":296.145,"body":"of your head it triggered something."},{"speaker":"Average Joe Finances","startTime":296.145,"endTime":299.582,"body":"And you had this shift in your mindset,"},{"speaker":"Average Joe Finances","startTime":296.145,"endTime":299.582,"body":"like when you finished school and you"},{"speaker":"Average Joe Finances","startTime":299.587,"endTime":302.669,"body":"got a job and you were making more than"},{"speaker":"Average Joe Finances","startTime":299.587,"endTime":302.669,"body":"your parents now at this time, but you"},{"speaker":"Average Joe Finances","startTime":302.869,"endTime":304.132,"body":"were man, where are all my money going?"},{"speaker":"Average Joe Finances","startTime":304.132,"endTime":305.212,"body":"I racked up all this debt."},{"speaker":"Average Joe Finances","startTime":305.215,"endTime":307.585,"body":"I don't wanna follow these same"},{"speaker":"Average Joe Finances","startTime":305.215,"endTime":307.585,"body":"footsteps, I gotta change something."},{"speaker":"Average Joe Finances","startTime":307.585,"endTime":308.575,"body":"I gotta do something different."},{"speaker":"Average Joe Finances","startTime":308.58,"endTime":309.445,"body":"And you did right?"},{"speaker":"Average Joe Finances","startTime":309.494,"endTime":314.456,"body":"So what was it the actual, so when you"},{"speaker":"Average Joe Finances","startTime":309.494,"endTime":314.456,"body":"got the W-2 and you realized, okay, I made"},{"speaker":"Average Joe Finances","startTime":314.456,"endTime":317.959,"body":"this much this year but took out this many"},{"speaker":"Average Joe Finances","startTime":314.456,"endTime":317.959,"body":"loans and put myself in this much debt."},{"speaker":"Average Joe Finances","startTime":317.959,"endTime":321.149,"body":"What was it that flipped the switch"},{"speaker":"Average Joe Finances","startTime":317.959,"endTime":321.149,"body":"for you that said something's"},{"speaker":"Average Joe Finances","startTime":321.149,"endTime":322.679,"body":"gotta go, something's gotta change?"},{"speaker":"Tony Bradshaw","startTime":322.776,"endTime":323.256,"body":"Yeah."},{"speaker":"Tony Bradshaw","startTime":323.256,"endTime":327.546,"body":"I think the biggest thing was to realize"},{"speaker":"Tony Bradshaw","startTime":323.256,"endTime":327.546,"body":"how much I had made and how little I had."},{"speaker":"Tony Bradshaw","startTime":327.576,"endTime":328.626,"body":"That was the biggest thing."},{"speaker":"Tony Bradshaw","startTime":328.626,"endTime":331.067,"body":"Like for me, it felt like"},{"speaker":"Tony Bradshaw","startTime":328.626,"endTime":331.067,"body":"there should have been a bigger"},{"speaker":"Tony Bradshaw","startTime":331.097,"endTime":332.667,"body":"pile of money in the bank."},{"speaker":"Tony Bradshaw","startTime":332.667,"endTime":337.594,"body":"If I made 39 grand, not only did I not"},{"speaker":"Tony Bradshaw","startTime":332.667,"endTime":337.594,"body":"have 39 grand in my checking account, I"},{"speaker":"Tony Bradshaw","startTime":337.594,"endTime":340.004,"body":"didn't have, I was 16 grand in a negative."},{"speaker":"Tony Bradshaw","startTime":340.164,"endTime":342.972,"body":"I was gonna be paying that"},{"speaker":"Tony Bradshaw","startTime":340.164,"endTime":342.972,"body":"off according to that plan."},{"speaker":"Tony Bradshaw","startTime":342.972,"endTime":344.462,"body":"A car note, it's a five year note."},{"speaker":"Tony Bradshaw","startTime":344.462,"endTime":345.302,"body":"It was a five year note."},{"speaker":"Tony Bradshaw","startTime":345.302,"endTime":347.2,"body":"320 bucks a month, 319."},{"speaker":"Tony Bradshaw","startTime":347.244,"endTime":348.924,"body":"That just didn't sit well with me."},{"speaker":"Tony Bradshaw","startTime":348.961,"endTime":351.331,"body":"I was like, wow, like"},{"speaker":"Tony Bradshaw","startTime":348.961,"endTime":351.331,"body":"that is a bad formula."},{"speaker":"Tony Bradshaw","startTime":351.331,"endTime":355.824,"body":"What I did this last year at"},{"speaker":"Tony Bradshaw","startTime":351.331,"endTime":355.824,"body":"25, I could never do that again."},{"speaker":"Tony Bradshaw","startTime":355.824,"endTime":357.324,"body":"It's a recipe for disaster."},{"speaker":"Tony Bradshaw","startTime":357.36,"endTime":362.372,"body":"And I immediately shifted from a spend"},{"speaker":"Tony Bradshaw","startTime":357.36,"endTime":362.372,"body":"mindset, we call it consumer mindset"},{"speaker":"Tony Bradshaw","startTime":362.732,"endTime":367.204,"body":"to a let's get the heck outta debt"},{"speaker":"Tony Bradshaw","startTime":362.732,"endTime":367.204,"body":"and let's start investing immediately."},{"speaker":"Tony Bradshaw","startTime":367.204,"endTime":370.444,"body":"So what I did is I brutally"},{"speaker":"Tony Bradshaw","startTime":367.204,"endTime":370.444,"body":"broke my budget instead of"},{"speaker":"Tony Bradshaw","startTime":370.449,"endTime":371.794,"body":"everything going out the window."},{"speaker":"Tony Bradshaw","startTime":371.8,"endTime":373.027,"body":"And not having any of it left."},{"speaker":"Tony Bradshaw","startTime":373.027,"endTime":374.982,"body":"I call it like, it's like sand"},{"speaker":"Tony Bradshaw","startTime":373.027,"endTime":374.982,"body":"slipping through your fingers, right?"},{"speaker":"Tony Bradshaw","startTime":374.982,"endTime":376.332,"body":"You go to the beach, try to pick up sand."},{"speaker":"Tony Bradshaw","startTime":376.332,"endTime":377.62,"body":"It's so much of it just escapes."},{"speaker":"Tony Bradshaw","startTime":377.673,"endTime":378.793,"body":"It's hard to hang onto sand."},{"speaker":"Tony Bradshaw","startTime":378.793,"endTime":379.637,"body":"You don't have much left."},{"speaker":"Tony Bradshaw","startTime":379.637,"endTime":381.077,"body":"Money can be the same way."},{"speaker":"Tony Bradshaw","startTime":381.347,"endTime":385.123,"body":"So what I did immediately is I just"},{"speaker":"Tony Bradshaw","startTime":381.347,"endTime":385.123,"body":"looked at my budget and I looked at"},{"speaker":"Tony Bradshaw","startTime":385.123,"endTime":386.863,"body":"my finances and I said, you know what?"},{"speaker":"Tony Bradshaw","startTime":386.863,"endTime":389.053,"body":"I'm gonna chop my finances"},{"speaker":"Tony Bradshaw","startTime":386.863,"endTime":389.053,"body":"up into three pieces."},{"speaker":"Tony Bradshaw","startTime":389.087,"endTime":390.527,"body":"I'm gonna have the money I live on."},{"speaker":"Tony Bradshaw","startTime":390.547,"endTime":392.407,"body":"That became about a"},{"speaker":"Tony Bradshaw","startTime":390.547,"endTime":392.407,"body":"thousand dollars a month."},{"speaker":"Tony Bradshaw","startTime":392.43,"endTime":395.367,"body":"I'm gonna have the money I pay my"},{"speaker":"Tony Bradshaw","startTime":392.43,"endTime":395.367,"body":"debt with, which was about a thousand"},{"speaker":"Tony Bradshaw","startTime":395.367,"endTime":397.933,"body":"dollars a month, and I'm gonna"},{"speaker":"Tony Bradshaw","startTime":395.367,"endTime":397.933,"body":"invest about a thousand dollars."},{"speaker":"Tony Bradshaw","startTime":398.17,"endTime":402.45,"body":"And that allowed me to have to steadily"},{"speaker":"Tony Bradshaw","startTime":398.17,"endTime":402.45,"body":"march towards getting that debt paid off."},{"speaker":"Tony Bradshaw","startTime":402.464,"endTime":404.935,"body":"And then also have some investments going."},{"speaker":"Tony Bradshaw","startTime":404.94,"endTime":408.157,"body":"So after, about 18 months or"},{"speaker":"Tony Bradshaw","startTime":404.94,"endTime":408.157,"body":"so, I had, my debt was gone."},{"speaker":"Tony Bradshaw","startTime":408.162,"endTime":409.817,"body":"I was red of my consumer debt."},{"speaker":"Tony Bradshaw","startTime":409.818,"endTime":413.356,"body":"And I had about $18,000 in"},{"speaker":"Tony Bradshaw","startTime":409.818,"endTime":413.356,"body":"stocks and mutual funds."},{"speaker":"Tony Bradshaw","startTime":413.476,"endTime":417.738,"body":"And so I ended up liquidating those stocks"},{"speaker":"Tony Bradshaw","startTime":413.476,"endTime":417.738,"body":"because I ended up finding a wife and"},{"speaker":"Tony Bradshaw","startTime":417.788,"endTime":420.548,"body":"she wasn't gonna let me do some of the"},{"speaker":"Tony Bradshaw","startTime":417.788,"endTime":420.548,"body":"financial things that I wanted to do."},{"speaker":"Tony Bradshaw","startTime":420.553,"endTime":422.138,"body":"I tried to get her to move into a trailer."},{"speaker":"Tony Bradshaw","startTime":422.187,"endTime":424.263,"body":"Cause I, that was the cheapest"},{"speaker":"Tony Bradshaw","startTime":422.187,"endTime":424.263,"body":"thing I could do to make,"},{"speaker":"Tony Bradshaw","startTime":424.36,"endTime":425.404,"body":"cause I'm not going in debt."},{"speaker":"Tony Bradshaw","startTime":425.409,"endTime":426.079,"body":"I don't wanna go back in debt."},{"speaker":"Tony Bradshaw","startTime":426.324,"endTime":427.933,"body":"And and she's I'm not having that."},{"speaker":"Tony Bradshaw","startTime":428.018,"endTime":429.068,"body":"We're gonna have a different plan."},{"speaker":"Tony Bradshaw","startTime":429.073,"endTime":430.898,"body":"If you're gonna marry me, you're"},{"speaker":"Tony Bradshaw","startTime":429.073,"endTime":430.898,"body":"gonna have a different plan."},{"speaker":"Tony Bradshaw","startTime":430.918,"endTime":435.092,"body":"And so we started looking for"},{"speaker":"Tony Bradshaw","startTime":430.918,"endTime":435.092,"body":"houses I found the $62,500 house."},{"speaker":"Tony Bradshaw","startTime":435.115,"endTime":437.365,"body":"My house note on that first"},{"speaker":"Tony Bradshaw","startTime":435.115,"endTime":437.365,"body":"house was about 500 bucks."},{"speaker":"Tony Bradshaw","startTime":438.135,"endTime":440.298,"body":"And I wish I'd kept that"},{"speaker":"Tony Bradshaw","startTime":438.135,"endTime":440.298,"body":"one but was the plan."},{"speaker":"Tony Bradshaw","startTime":440.298,"endTime":443.231,"body":"But that was the biggest shift is to"},{"speaker":"Tony Bradshaw","startTime":440.298,"endTime":443.231,"body":"go, Hey, I don't have to live this way."},{"speaker":"Tony Bradshaw","startTime":443.231,"endTime":444.501,"body":"I'm making enough money."},{"speaker":"Tony Bradshaw","startTime":444.561,"endTime":446.404,"body":"I don't have to live like broke."},{"speaker":"Tony Bradshaw","startTime":446.404,"endTime":448.654,"body":"I don't have, I should have more"},{"speaker":"Tony Bradshaw","startTime":446.404,"endTime":448.654,"body":"money in my checking account with"},{"speaker":"Tony Bradshaw","startTime":448.654,"endTime":451.174,"body":"the amount of money I have and"},{"speaker":"Tony Bradshaw","startTime":448.654,"endTime":451.174,"body":"the amount of expenses I have."},{"speaker":"Tony Bradshaw","startTime":451.564,"endTime":453.758,"body":"And I was able to make"},{"speaker":"Tony Bradshaw","startTime":451.564,"endTime":453.758,"body":"a big positive shift."},{"speaker":"Tony Bradshaw","startTime":453.807,"endTime":457.2,"body":"Now I will add to that Mike,"},{"speaker":"Tony Bradshaw","startTime":453.807,"endTime":457.2,"body":"is that, watching my parents"},{"speaker":"Tony Bradshaw","startTime":457.29,"endTime":459.168,"body":"and family they didn't shift."},{"speaker":"Tony Bradshaw","startTime":459.192,"endTime":460.572,"body":"That was 25 years ago."},{"speaker":"Tony Bradshaw","startTime":460.582,"endTime":464.542,"body":"And even though I shifted, my personal"},{"speaker":"Tony Bradshaw","startTime":460.582,"endTime":464.542,"body":"finances shifted and my lifestyle"},{"speaker":"Tony Bradshaw","startTime":464.542,"endTime":466.008,"body":"shifted and my mindset shifted."},{"speaker":"Tony Bradshaw","startTime":466.008,"endTime":468.965,"body":"The people around these mindsets"},{"speaker":"Tony Bradshaw","startTime":466.008,"endTime":468.965,"body":"did not shift along with mine."},{"speaker":"Tony Bradshaw","startTime":469.039,"endTime":471.192,"body":"And that's something that"},{"speaker":"Tony Bradshaw","startTime":469.039,"endTime":471.192,"body":"bothers me even today."},{"speaker":"Tony Bradshaw","startTime":471.192,"endTime":474.722,"body":"And, and I,  as much as I wanted to"},{"speaker":"Tony Bradshaw","startTime":471.192,"endTime":474.722,"body":"change that or I wanted to impact that,"},{"speaker":"Tony Bradshaw","startTime":474.742,"endTime":477.052,"body":"it's beyond the scope of what you can do."},{"speaker":"Tony Bradshaw","startTime":477.052,"endTime":479.722,"body":"You can really only change"},{"speaker":"Tony Bradshaw","startTime":477.052,"endTime":479.722,"body":"yourself and other people"},{"speaker":"Tony Bradshaw","startTime":479.722,"endTime":480.832,"body":"gotta make their own decision."},{"speaker":"Average Joe Finances","startTime":480.836,"endTime":482.765,"body":"Yeah, No,"},{"speaker":"Average Joe Finances","startTime":480.836,"endTime":482.765,"body":"Tony, that is a great point."},{"speaker":"Average Joe Finances","startTime":482.765,"endTime":485.23,"body":"And it's one of the things that"},{"speaker":"Average Joe Finances","startTime":482.765,"endTime":485.23,"body":"I've struggled with as well."},{"speaker":"Average Joe Finances","startTime":485.258,"endTime":487.761,"body":"I've seen it, with a lot of"},{"speaker":"Average Joe Finances","startTime":485.258,"endTime":487.761,"body":"my own friends and family."},{"speaker":"Average Joe Finances","startTime":487.819,"endTime":491.384,"body":"I made this shift in my life and"},{"speaker":"Average Joe Finances","startTime":487.819,"endTime":491.384,"body":"decided to take ownership of my"},{"speaker":"Average Joe Finances","startTime":491.384,"endTime":495.697,"body":"finances and like actually do make"},{"speaker":"Average Joe Finances","startTime":491.384,"endTime":495.697,"body":"better money decisions, right?"},{"speaker":"Average Joe Finances","startTime":495.697,"endTime":498.803,"body":"And I feel like maybe I left some people"},{"speaker":"Average Joe Finances","startTime":495.697,"endTime":498.803,"body":"behind, but at the same time, The whole"},{"speaker":"Average Joe Finances","startTime":498.803,"endTime":500.213,"body":"time I'm like, Hey, come along with me."},{"speaker":"Average Joe Finances","startTime":500.243,"endTime":500.753,"body":"Let's go."},{"speaker":"Average Joe Finances","startTime":500.783,"endTime":501.773,"body":"Let's do this together."},{"speaker":"Average Joe Finances","startTime":501.783,"endTime":503.536,"body":"And some people just don't wanna change."},{"speaker":"Average Joe Finances","startTime":503.536,"endTime":506.575,"body":"They don't wanna they like the"},{"speaker":"Average Joe Finances","startTime":503.536,"endTime":506.575,"body":"way that their lifestyle is,"},{"speaker":"Average Joe Finances","startTime":506.575,"endTime":507.565,"body":"and that's what they wanna do."},{"speaker":"Average Joe Finances","startTime":507.565,"endTime":510.45,"body":"It's one of the reasons why I started"},{"speaker":"Average Joe Finances","startTime":507.565,"endTime":510.45,"body":"this podcast is I wanted to share my"},{"speaker":"Average Joe Finances","startTime":510.45,"endTime":514.603,"body":"story and I wanted to bring people on"},{"speaker":"Average Joe Finances","startTime":510.45,"endTime":514.603,"body":"that have similar stories or people that"},{"speaker":"Average Joe Finances","startTime":514.603,"endTime":518.99,"body":"have just come up and just been really"},{"speaker":"Average Joe Finances","startTime":514.603,"endTime":518.99,"body":"successful and share what they're doing."},{"speaker":"Average Joe Finances","startTime":519.05,"endTime":521.289,"body":"Because when you start listening"},{"speaker":"Average Joe Finances","startTime":519.05,"endTime":521.289,"body":"to these things, you start"},{"speaker":"Average Joe Finances","startTime":521.289,"endTime":522.451,"body":"listening to other people that are."},{"speaker":"Average Joe Finances","startTime":522.451,"endTime":526.247,"body":"Having this success and it's not just"},{"speaker":"Average Joe Finances","startTime":522.451,"endTime":526.247,"body":"the same guy over and over again."},{"speaker":"Average Joe Finances","startTime":526.247,"endTime":526.577,"body":"Oh yeah."},{"speaker":"Average Joe Finances","startTime":526.577,"endTime":529.76,"body":"Like I know that Mike Cavaggioni"},{"speaker":"Average Joe Finances","startTime":526.577,"endTime":529.76,"body":"story, like I know that guy, whatever."},{"speaker":"Average Joe Finances","startTime":529.82,"endTime":531.5,"body":"Oh, but now, oh, Tony Bradshaw."},{"speaker":"Average Joe Finances","startTime":531.5,"endTime":534.26,"body":"So he did something"},{"speaker":"Average Joe Finances","startTime":531.5,"endTime":534.26,"body":"like this and Oh, okay."},{"speaker":"Average Joe Finances","startTime":534.352,"endTime":537.357,"body":"It's a different perspective and"},{"speaker":"Average Joe Finances","startTime":534.352,"endTime":537.357,"body":"you see it from different people."},{"speaker":"Average Joe Finances","startTime":537.422,"endTime":539.775,"body":"And it helps you shift into that mindset."},{"speaker":"Average Joe Finances","startTime":539.783,"endTime":541.682,"body":"So that's one of the things,"},{"speaker":"Average Joe Finances","startTime":539.783,"endTime":541.682,"body":"one of the reasons why I think"},{"speaker":"Average Joe Finances","startTime":541.682,"endTime":543.602,"body":"podcasts like this are important."},{"speaker":"Average Joe Finances","startTime":543.671,"endTime":546.821,"body":"YouTube channels that share this"},{"speaker":"Average Joe Finances","startTime":543.671,"endTime":546.821,"body":"type of content, all that stuff."},{"speaker":"Average Joe Finances","startTime":546.847,"endTime":550.281,"body":"But then the problem is getting the people"},{"speaker":"Average Joe Finances","startTime":546.847,"endTime":550.281,"body":"to actually consume that content, right?"},{"speaker":"Average Joe Finances","startTime":550.337,"endTime":552.467,"body":"And that's one of the reasons"},{"speaker":"Average Joe Finances","startTime":550.337,"endTime":552.467,"body":"why I make this big push to get"},{"speaker":"Average Joe Finances","startTime":552.467,"endTime":553.754,"body":"all this information out there."},{"speaker":"Average Joe Finances","startTime":553.766,"endTime":558.12,"body":"Now your story what I love about"},{"speaker":"Average Joe Finances","startTime":553.766,"endTime":558.12,"body":"it is not the same, but similar."},{"speaker":"Average Joe Finances","startTime":558.12,"endTime":561.415,"body":"I was at a point in my life where I"},{"speaker":"Average Joe Finances","startTime":558.12,"endTime":561.415,"body":"was in a lot of consumer debt, right?"},{"speaker":"Average Joe Finances","startTime":561.445,"endTime":563.275,"body":"$28,000 in credit card debt."},{"speaker":"Average Joe Finances","startTime":563.366,"endTime":567.269,"body":"I had several personal loans out and"},{"speaker":"Average Joe Finances","startTime":563.366,"endTime":567.269,"body":"I knew I wanted to come to Hawaii."},{"speaker":"Average Joe Finances","startTime":567.269,"endTime":569.936,"body":"And when I come to Hawaii I wanted"},{"speaker":"Average Joe Finances","startTime":567.269,"endTime":569.936,"body":"to buy a house and my wife and I"},{"speaker":"Average Joe Finances","startTime":569.941,"endTime":571.796,"body":"were trying to figure out like,"},{"speaker":"Average Joe Finances","startTime":569.941,"endTime":571.796,"body":"how are we gonna make this work?"},{"speaker":"Average Joe Finances","startTime":571.796,"endTime":574.804,"body":"So we actually followed Dave"},{"speaker":"Average Joe Finances","startTime":571.796,"endTime":574.804,"body":"Ramsey's baby steps steps one,"},{"speaker":"Average Joe Finances","startTime":574.804,"endTime":576.413,"body":"two, three before we backed off."},{"speaker":"Average Joe Finances","startTime":576.448,"endTime":580.208,"body":"And then shifted a little bit, and then"},{"speaker":"Average Joe Finances","startTime":576.448,"endTime":580.208,"body":"we started doing Sinking funds, So just"},{"speaker":"Average Joe Finances","startTime":580.208,"endTime":582.609,"body":"different things like that, just trying"},{"speaker":"Average Joe Finances","startTime":580.208,"endTime":582.609,"body":"to make sure that we were putting our"},{"speaker":"Average Joe Finances","startTime":582.609,"endTime":584.626,"body":"money into buckets that would work for us."},{"speaker":"Average Joe Finances","startTime":584.626,"endTime":587.534,"body":"And that, people can do whatever you want"},{"speaker":"Average Joe Finances","startTime":584.626,"endTime":587.534,"body":"to do, like whatever they want, right?"},{"speaker":"Average Joe Finances","startTime":587.534,"endTime":590.39,"body":"As long as you find something that"},{"speaker":"Average Joe Finances","startTime":587.534,"endTime":590.39,"body":"works for you, that's what matters."},{"speaker":"Average Joe Finances","startTime":590.395,"endTime":594.027,"body":"So now you said you broke yours down"},{"speaker":"Average Joe Finances","startTime":590.395,"endTime":594.027,"body":"into three different categories, right?"},{"speaker":"Average Joe Finances","startTime":594.027,"endTime":597.037,"body":"The money that you live on, the"},{"speaker":"Average Joe Finances","startTime":594.027,"endTime":597.037,"body":"money that you pay your debt with,"},{"speaker":"Average Joe Finances","startTime":597.037,"endTime":598.227,"body":"and then the money that you save."},{"speaker":"Average Joe Finances","startTime":598.31,"endTime":602.25,"body":"So when you made that shift and you"},{"speaker":"Average Joe Finances","startTime":598.31,"endTime":602.25,"body":"started paying down your debt so you"},{"speaker":"Average Joe Finances","startTime":602.25,"endTime":604.14,"body":"had, you said what, 16,000 right?"},{"speaker":"Average Joe Finances","startTime":604.14,"endTime":607.662,"body":"That you were under after that first"},{"speaker":"Average Joe Finances","startTime":604.14,"endTime":607.662,"body":"year, and you made that decision in"},{"speaker":"Average Joe Finances","startTime":607.662,"endTime":609.582,"body":"that first year to get on top of that?"},{"speaker":"Average Joe Finances","startTime":609.582,"endTime":612.333,"body":"For me, it took several"},{"speaker":"Average Joe Finances","startTime":609.582,"endTime":612.333,"body":"years to make that decision."},{"speaker":"Average Joe Finances","startTime":612.366,"endTime":615.636,"body":"So one, I commend you for making"},{"speaker":"Average Joe Finances","startTime":612.366,"endTime":615.636,"body":"that decision at such a young age."},{"speaker":"Average Joe Finances","startTime":615.717,"endTime":618.727,"body":"And early on when you realize, hey,"},{"speaker":"Average Joe Finances","startTime":615.717,"endTime":618.727,"body":"whoa, something else has gotta change."},{"speaker":"Average Joe Finances","startTime":618.735,"endTime":621.735,"body":"I probably told myself something's"},{"speaker":"Average Joe Finances","startTime":618.735,"endTime":621.735,"body":"gotta change probably for 10 years."},{"speaker":"Average Joe Finances","startTime":621.858,"endTime":623.97,"body":"Before I made a decision to"},{"speaker":"Average Joe Finances","startTime":621.858,"endTime":623.97,"body":"actually make the change."},{"speaker":"Average Joe Finances","startTime":623.97,"endTime":628.42,"body":"So when you did that, what made you"},{"speaker":"Average Joe Finances","startTime":623.97,"endTime":628.42,"body":"decide to break it up into those three"},{"speaker":"Average Joe Finances","startTime":628.42,"endTime":632.844,"body":"categories, and then when you broke it"},{"speaker":"Average Joe Finances","startTime":628.42,"endTime":632.844,"body":"into those three categories, how did you"},{"speaker":"Average Joe Finances","startTime":632.844,"endTime":637.121,"body":"figure out how you want to divvy up your"},{"speaker":"Average Joe Finances","startTime":632.844,"endTime":637.121,"body":"paycheck into those three categories?"},{"speaker":"Tony Bradshaw","startTime":637.267,"endTime":637.477,"body":"Yeah."},{"speaker":"Tony Bradshaw","startTime":637.477,"endTime":640.477,"body":"I think for back then, now today, I"},{"speaker":"Tony Bradshaw","startTime":637.477,"endTime":640.477,"body":"would probably look at it a little bit"},{"speaker":"Tony Bradshaw","startTime":640.477,"endTime":642.847,"body":"differently because I'm a little bit"},{"speaker":"Tony Bradshaw","startTime":640.477,"endTime":642.847,"body":"older, a little bit wiser, a little bit"},{"speaker":"Tony Bradshaw","startTime":642.847,"endTime":646.884,"body":"more mature, and for me it was just very"},{"speaker":"Tony Bradshaw","startTime":642.847,"endTime":646.884,"body":"simple back then because I could do it."},{"speaker":"Tony Bradshaw","startTime":646.941,"endTime":649.551,"body":"My living expenses were"},{"speaker":"Tony Bradshaw","startTime":646.941,"endTime":649.551,"body":"essentially a car note."},{"speaker":"Tony Bradshaw","startTime":649.553,"endTime":652.726,"body":"Some credit cards that I paid and"},{"speaker":"Tony Bradshaw","startTime":649.553,"endTime":652.726,"body":"then my 200 bucks a month to my"},{"speaker":"Tony Bradshaw","startTime":652.726,"endTime":655.091,"body":"rent, my mom and dad, and I had"},{"speaker":"Tony Bradshaw","startTime":652.726,"endTime":655.091,"body":"to pay my own insurance, right?"},{"speaker":"Tony Bradshaw","startTime":655.091,"endTime":658.086,"body":"So I didn't have all these other little"},{"speaker":"Tony Bradshaw","startTime":655.091,"endTime":658.086,"body":"expenses like, Hey, I got a house"},{"speaker":"Tony Bradshaw","startTime":658.086,"endTime":659.766,"body":"payment, I got a insurance on a house."},{"speaker":"Tony Bradshaw","startTime":659.771,"endTime":661.003,"body":"I got, I didn't have all that."},{"speaker":"Tony Bradshaw","startTime":661.003,"endTime":664.982,"body":"So I did have a good bit of disposable"},{"speaker":"Tony Bradshaw","startTime":661.003,"endTime":664.982,"body":"income, which allowed me to, break"},{"speaker":"Tony Bradshaw","startTime":664.987,"endTime":666.092,"body":"it up into those three buckets."},{"speaker":"Tony Bradshaw","startTime":666.092,"endTime":670.201,"body":"I think if you're a homeowner, I"},{"speaker":"Tony Bradshaw","startTime":666.092,"endTime":670.201,"body":"think Dave Ramsey teaches 25% of your"},{"speaker":"Tony Bradshaw","startTime":670.201,"endTime":671.881,"body":"take home pay on your house note."},{"speaker":"Tony Bradshaw","startTime":671.89,"endTime":674.199,"body":"So that's a different"},{"speaker":"Tony Bradshaw","startTime":671.89,"endTime":674.199,"body":"circumstance that you're under."},{"speaker":"Tony Bradshaw","startTime":674.199,"endTime":676.688,"body":"But in that model and that day before."},{"speaker":"Tony Bradshaw","startTime":676.738,"endTime":679.108,"body":"I was able to break it down into"},{"speaker":"Tony Bradshaw","startTime":676.738,"endTime":679.108,"body":"those, and that was just very simple."},{"speaker":"Tony Bradshaw","startTime":679.108,"endTime":682.138,"body":"The reason I put a thousand dollars"},{"speaker":"Tony Bradshaw","startTime":679.108,"endTime":682.138,"body":"towards the debt is cause I wanted"},{"speaker":"Tony Bradshaw","startTime":682.138,"endTime":685.298,"body":"to get outta debt as quickly as"},{"speaker":"Tony Bradshaw","startTime":682.138,"endTime":685.298,"body":"possible, but I also wanted to start"},{"speaker":"Tony Bradshaw","startTime":685.303,"endTime":688.063,"body":"investing and I wanted to start"},{"speaker":"Tony Bradshaw","startTime":685.303,"endTime":688.063,"body":"what I call multiplying your money."},{"speaker":"Tony Bradshaw","startTime":688.063,"endTime":690.491,"body":"And I think that's very key"},{"speaker":"Tony Bradshaw","startTime":688.063,"endTime":690.491,"body":"for people because  I love the"},{"speaker":"Tony Bradshaw","startTime":690.491,"endTime":693.311,"body":"way Dave teaches things because"},{"speaker":"Tony Bradshaw","startTime":690.491,"endTime":693.311,"body":"some people need it that simple."},{"speaker":"Tony Bradshaw","startTime":693.311,"endTime":695.784,"body":"Like they can't juggle more than"},{"speaker":"Tony Bradshaw","startTime":693.311,"endTime":695.784,"body":"two or three things at a time."},{"speaker":"Tony Bradshaw","startTime":695.784,"endTime":696.414,"body":"They have to get simple."},{"speaker":"Tony Bradshaw","startTime":696.434,"endTime":701.441,"body":"But I really like starting with investing"},{"speaker":"Tony Bradshaw","startTime":696.434,"endTime":701.441,"body":"early because once you can see that money"},{"speaker":"Tony Bradshaw","startTime":701.941,"endTime":703.776,"body":"multiplying, It kinda energizes you."},{"speaker":"Tony Bradshaw","startTime":703.776,"endTime":704.526,"body":"It really does."},{"speaker":"Tony Bradshaw","startTime":704.526,"endTime":708.942,"body":"Like I think day's plan draws energy"},{"speaker":"Tony Bradshaw","startTime":704.526,"endTime":708.942,"body":"from paying off those debts and feeling"},{"speaker":"Tony Bradshaw","startTime":708.942,"endTime":710.378,"body":"like you're gaining ground on debt."},{"speaker":"Tony Bradshaw","startTime":710.422,"endTime":714.502,"body":"I feel like for certain people"},{"speaker":"Tony Bradshaw","startTime":710.422,"endTime":714.502,"body":"seeing that money multiply and come"},{"speaker":"Tony Bradshaw","startTime":714.502,"endTime":716.165,"body":"into an account at a big number."},{"speaker":"Tony Bradshaw","startTime":716.189,"endTime":720.96,"body":"And so for me, after a year of putting a"},{"speaker":"Tony Bradshaw","startTime":716.189,"endTime":720.96,"body":"thousand bucks a month, and that's $12,000"},{"speaker":"Tony Bradshaw","startTime":720.96,"endTime":724.605,"body":"plus growth in whatever fund I was in, I"},{"speaker":"Tony Bradshaw","startTime":720.96,"endTime":724.605,"body":"think I was in Kaufmann Fund back then,"},{"speaker":"Tony Bradshaw","startTime":724.605,"endTime":725.985,"body":"which honestly was not a great fund."},{"speaker":"Tony Bradshaw","startTime":726.315,"endTime":729.26,"body":"I bought all the hype, the advertising,"},{"speaker":"Tony Bradshaw","startTime":726.315,"endTime":729.26,"body":"which they're very good at advertising."},{"speaker":"Tony Bradshaw","startTime":729.26,"endTime":732.135,"body":"And I didn't know better, but I was"},{"speaker":"Tony Bradshaw","startTime":729.26,"endTime":732.135,"body":"trading tech stocks on the side,"},{"speaker":"Tony Bradshaw","startTime":732.135,"endTime":735.992,"body":"making 60 to 90% every six to nine"},{"speaker":"Tony Bradshaw","startTime":732.135,"endTime":735.992,"body":"months and doing pretty well with that."},{"speaker":"Tony Bradshaw","startTime":735.992,"endTime":739.309,"body":"But it was just a small amount of"},{"speaker":"Tony Bradshaw","startTime":735.992,"endTime":739.309,"body":"money, 500 bucks into mutual funds"},{"speaker":"Tony Bradshaw","startTime":739.309,"endTime":742.879,"body":"and roughly 500 bucks a month into"},{"speaker":"Tony Bradshaw","startTime":739.309,"endTime":742.879,"body":"like different stock investments"},{"speaker":"Tony Bradshaw","startTime":742.879,"endTime":743.779,"body":"playing with those things."},{"speaker":"Tony Bradshaw","startTime":743.797,"endTime":745.777,"body":"And then the fees were a"},{"speaker":"Tony Bradshaw","startTime":743.797,"endTime":745.777,"body":"lot higher back then, right?"},{"speaker":"Tony Bradshaw","startTime":745.777,"endTime":747.847,"body":"Because you had to go"},{"speaker":"Tony Bradshaw","startTime":745.777,"endTime":747.847,"body":"through a broker account."},{"speaker":"Tony Bradshaw","startTime":747.877,"endTime":750.145,"body":"You didn't have E-Trade or"},{"speaker":"Tony Bradshaw","startTime":747.877,"endTime":750.145,"body":"Scottrade or those kind of guys"},{"speaker":"Tony Bradshaw","startTime":750.15,"endTime":751.318,"body":"where you're doing $8 trades."},{"speaker":"Tony Bradshaw","startTime":751.342,"endTime":755.331,"body":"My trades were costing me like 50 bucks"},{"speaker":"Tony Bradshaw","startTime":751.342,"endTime":755.331,"body":"a pop to get in, 50 bucks to get out."},{"speaker":"Tony Bradshaw","startTime":755.391,"endTime":757.893,"body":"And I don't remember if there was a"},{"speaker":"Tony Bradshaw","startTime":755.391,"endTime":757.893,"body":"percentage associated with it, the"},{"speaker":"Tony Bradshaw","startTime":757.893,"endTime":758.963,"body":"fees were a lot higher back then."},{"speaker":"Tony Bradshaw","startTime":759.025,"endTime":760.508,"body":"For me, it was just very simple."},{"speaker":"Tony Bradshaw","startTime":760.538,"endTime":763.919,"body":"Now, today it might look a little"},{"speaker":"Tony Bradshaw","startTime":760.538,"endTime":763.919,"body":"bit different because and as I"},{"speaker":"Tony Bradshaw","startTime":763.919,"endTime":767.489,"body":"coach people, I would look at"},{"speaker":"Tony Bradshaw","startTime":763.919,"endTime":767.489,"body":"what their overall situation is."},{"speaker":"Tony Bradshaw","startTime":767.489,"endTime":771.341,"body":"Do they have enough disposable income"},{"speaker":"Tony Bradshaw","startTime":767.489,"endTime":771.341,"body":"to, do a little bit of investing"},{"speaker":"Tony Bradshaw","startTime":771.341,"endTime":772.901,"body":"while they do the debt payoff?"},{"speaker":"Tony Bradshaw","startTime":772.901,"endTime":776.453,"body":"Or do they really need to focus on the"},{"speaker":"Tony Bradshaw","startTime":772.901,"endTime":776.453,"body":"debt payoff first to get control of it?"},{"speaker":"Tony Bradshaw","startTime":776.453,"endTime":778.551,"body":"Or do they have so much debt."},{"speaker":"Tony Bradshaw","startTime":778.571,"endTime":781.451,"body":"They just need to like, have a be"},{"speaker":"Tony Bradshaw","startTime":778.571,"endTime":781.451,"body":"okay with the fact that they're"},{"speaker":"Tony Bradshaw","startTime":781.451,"endTime":782.571,"body":"gonna float debt for a while."},{"speaker":"Tony Bradshaw","startTime":782.586,"endTime":785.515,"body":"And I have a principle that I teach, do"},{"speaker":"Tony Bradshaw","startTime":782.586,"endTime":785.515,"body":"you wanna work your way out of debt or"},{"speaker":"Tony Bradshaw","startTime":785.515,"endTime":786.985,"body":"do you wanna invest your way out of debt?"},{"speaker":"Tony Bradshaw","startTime":787.073,"endTime":790.853,"body":"For example, if you look at real estate,"},{"speaker":"Tony Bradshaw","startTime":787.073,"endTime":790.853,"body":"and of course this would be a taboo"},{"speaker":"Tony Bradshaw","startTime":790.853,"endTime":795.023,"body":"in some circles, but if you could buy"},{"speaker":"Tony Bradshaw","startTime":790.853,"endTime":795.023,"body":"150 or $200,000 home, let's say you"},{"speaker":"Tony Bradshaw","startTime":795.023,"endTime":798.613,"body":"got 50 grand in debt, that's a lot of"},{"speaker":"Tony Bradshaw","startTime":795.023,"endTime":798.613,"body":"work to get out of 50 grand in debt."},{"speaker":"Tony Bradshaw","startTime":798.673,"endTime":802.656,"body":"But if you could use inflation and"},{"speaker":"Tony Bradshaw","startTime":798.673,"endTime":802.656,"body":"appreciation of a home to get out"},{"speaker":"Tony Bradshaw","startTime":802.673,"endTime":805.956,"body":"then that's a different resource to"},{"speaker":"Tony Bradshaw","startTime":802.673,"endTime":805.956,"body":"be able to leverage against your debt."},{"speaker":"Tony Bradshaw","startTime":805.956,"endTime":809.107,"body":"It's a different way of thinking, so for"},{"speaker":"Tony Bradshaw","startTime":805.956,"endTime":809.107,"body":"some people I would look at, Hey, is this"},{"speaker":"Tony Bradshaw","startTime":809.107,"endTime":812.197,"body":"a good option for you to invest your way"},{"speaker":"Tony Bradshaw","startTime":809.107,"endTime":812.197,"body":"outta debt so you have that money left?"},{"speaker":"Tony Bradshaw","startTime":812.385,"endTime":815.656,"body":"When your debt's paid off or do you to"},{"speaker":"Tony Bradshaw","startTime":812.385,"endTime":815.656,"body":"really need to work and get it paid off."},{"speaker":"Tony Bradshaw","startTime":815.656,"endTime":819.778,"body":"And I think that's gonna vary on how much"},{"speaker":"Tony Bradshaw","startTime":815.656,"endTime":819.778,"body":"debt someone has and, interest rates."},{"speaker":"Tony Bradshaw","startTime":819.783,"endTime":822.898,"body":"I've got some clients that are at"},{"speaker":"Tony Bradshaw","startTime":819.783,"endTime":822.898,"body":"27% interest on their credit cards."},{"speaker":"Tony Bradshaw","startTime":822.901,"endTime":823.92,"body":"Yeah, it's ridiculous."},{"speaker":"Tony Bradshaw","startTime":823.942,"endTime":825.144,"body":"And that ought to be illegal."},{"speaker":"Tony Bradshaw","startTime":825.144,"endTime":825.544,"body":"Honestly."},{"speaker":"Tony Bradshaw","startTime":825.544,"endTime":826.434,"body":"It thought to be illegal."},{"speaker":"Tony Bradshaw","startTime":826.533,"endTime":828.913,"body":"There all to be laws against"},{"speaker":"Tony Bradshaw","startTime":826.533,"endTime":828.913,"body":"interest rates that high."},{"speaker":"Tony Bradshaw","startTime":828.916,"endTime":832.316,"body":"It's just abuse of the people that"},{"speaker":"Tony Bradshaw","startTime":828.916,"endTime":832.316,"body":"have the cards and taking advantage of"},{"speaker":"Tony Bradshaw","startTime":832.316,"endTime":834.149,"body":"them to make other people very rich."},{"speaker":"Tony Bradshaw","startTime":834.149,"endTime":838.112,"body":"But that's how I broke it down and"},{"speaker":"Tony Bradshaw","startTime":834.149,"endTime":838.112,"body":"how I got to that system, as a 25 year"},{"speaker":"Tony Bradshaw","startTime":838.112,"endTime":841.65,"body":"old, I think the learning there is"},{"speaker":"Tony Bradshaw","startTime":838.112,"endTime":841.65,"body":"money doesn't have to be complicated."},{"speaker":"Tony Bradshaw","startTime":841.65,"endTime":846.944,"body":"You really just have to implement a"},{"speaker":"Tony Bradshaw","startTime":841.65,"endTime":846.944,"body":"few simple principles to really see"},{"speaker":"Tony Bradshaw","startTime":846.944,"endTime":848.572,"body":"things start to shift and turn around."},{"speaker":"Tony Bradshaw","startTime":848.853,"endTime":849.219,"body":"And"},{"speaker":"Tony Bradshaw","startTime":849.219,"endTime":853.355,"body":"I think the problem is, We keep"},{"speaker":"Tony Bradshaw","startTime":849.219,"endTime":853.355,"body":"replicating the habits that we saw as"},{"speaker":"Tony Bradshaw","startTime":853.355,"endTime":856.991,"body":"we grew up and we have gotten trapped"},{"speaker":"Tony Bradshaw","startTime":853.355,"endTime":856.991,"body":"on this gebo wheel of finance where"},{"speaker":"Tony Bradshaw","startTime":856.991,"endTime":860.004,"body":"we just kinda get up, go to work, go"},{"speaker":"Tony Bradshaw","startTime":856.991,"endTime":860.004,"body":"home, spend your money, get up, go"},{"speaker":"Tony Bradshaw","startTime":860.009,"endTime":861.384,"body":"to work, go home, spend your money."},{"speaker":"Tony Bradshaw","startTime":861.384,"endTime":865.121,"body":"And we never change the"},{"speaker":"Tony Bradshaw","startTime":861.384,"endTime":865.121,"body":"variables in that situation."},{"speaker":"Tony Bradshaw","startTime":865.181,"endTime":869.569,"body":"And if you don't change, you're gonna be"},{"speaker":"Tony Bradshaw","startTime":865.181,"endTime":869.569,"body":"stuck in that cycle for your entire life."},{"speaker":"Tony Bradshaw","startTime":869.569,"endTime":874.617,"body":"And, to scare your listeners here, Mike,"},{"speaker":"Tony Bradshaw","startTime":869.569,"endTime":874.617,"body":"You're gonna work a hundred to 150,000"},{"speaker":"Tony Bradshaw","startTime":874.617,"endTime":879.978,"body":"hours in your if you're broke Now, do you"},{"speaker":"Tony Bradshaw","startTime":874.617,"endTime":879.978,"body":"really wanna be broke at the end of that?"},{"speaker":"Tony Bradshaw","startTime":880.019,"endTime":881.099,"body":"Do you still wanna be broke?"},{"speaker":"Tony Bradshaw","startTime":881.099,"endTime":884.517,"body":"That's a lot of work to still be"},{"speaker":"Tony Bradshaw","startTime":881.099,"endTime":884.517,"body":"broke at the end, and and it's"},{"speaker":"Tony Bradshaw","startTime":884.517,"endTime":885.745,"body":"something to think about, right?"},{"speaker":"Tony Bradshaw","startTime":885.775,"endTime":886.975,"body":"There are better ways."},{"speaker":"Tony Bradshaw","startTime":887.073,"endTime":889.876,"body":"Like I mentioned before, I've"},{"speaker":"Tony Bradshaw","startTime":887.073,"endTime":889.876,"body":"talked to people who were in Chinese"},{"speaker":"Tony Bradshaw","startTime":889.876,"endTime":892.886,"body":"concentration camps, came to America"},{"speaker":"Tony Bradshaw","startTime":889.876,"endTime":892.886,"body":"with 50 bucks in their pocket."},{"speaker":"Tony Bradshaw","startTime":893.246,"endTime":894.316,"body":"And now they're millionaires."},{"speaker":"Tony Bradshaw","startTime":894.319,"endTime":898.602,"body":"People that were homeless at 19, married"},{"speaker":"Tony Bradshaw","startTime":894.319,"endTime":898.602,"body":"and homeless at 19, and just decided,"},{"speaker":"Tony Bradshaw","startTime":898.602,"endTime":900.072,"body":"man, I don't wanna live like this."},{"speaker":"Tony Bradshaw","startTime":900.227,"endTime":902.285,"body":"That's a crazy story,"},{"speaker":"Tony Bradshaw","startTime":900.227,"endTime":902.285,"body":"a guy named Jerry Feda."},{"speaker":"Tony Bradshaw","startTime":902.315,"endTime":902.975,"body":"He's a great guy."},{"speaker":"Tony Bradshaw","startTime":903.047,"endTime":907.117,"body":"He's in an investing world now, and he"},{"speaker":"Tony Bradshaw","startTime":903.047,"endTime":907.117,"body":"broke free from that, that broke mindset"},{"speaker":"Tony Bradshaw","startTime":907.117,"endTime":911.408,"body":"or that mismanagement of finances and"},{"speaker":"Tony Bradshaw","startTime":907.117,"endTime":911.408,"body":"became a multimillionaire at age 30."},{"speaker":"Tony Bradshaw","startTime":911.408,"endTime":913.436,"body":"He's a pretty cool dude, but"},{"speaker":"Tony Bradshaw","startTime":911.408,"endTime":913.436,"body":"there's a lot of people out there."},{"speaker":"Tony Bradshaw","startTime":913.441,"endTime":914.786,"body":"Those aren't just one off exceptions."},{"speaker":"Tony Bradshaw","startTime":914.786,"endTime":916.032,"body":"Those aren't people that got lucky."},{"speaker":"Tony Bradshaw","startTime":916.032,"endTime":919.202,"body":"Those are people that put in"},{"speaker":"Tony Bradshaw","startTime":916.032,"endTime":919.202,"body":"the effort  and got money smart"},{"speaker":"Tony Bradshaw","startTime":919.202,"endTime":920.402,"body":"and made a shift in their lives"},{"speaker":"Average Joe Finances","startTime":920.476,"endTime":923.639,"body":"yeah, Tony that is"},{"speaker":"Average Joe Finances","startTime":920.476,"endTime":923.639,"body":"all fantastic points especially when you"},{"speaker":"Average Joe Finances","startTime":923.639,"endTime":927.304,"body":"bring that up about the people, making"},{"speaker":"Average Joe Finances","startTime":923.639,"endTime":927.304,"body":"those decisions that keep them on what"},{"speaker":"Average Joe Finances","startTime":927.304,"endTime":929.563,"body":"you call the the gerbil wheel of finances."},{"speaker":"Average Joe Finances","startTime":929.582,"endTime":932.588,"body":"I like that because you always hear"},{"speaker":"Average Joe Finances","startTime":929.582,"endTime":932.588,"body":"like the whole, kind of cliche saying"},{"speaker":"Average Joe Finances","startTime":932.588,"endTime":935.113,"body":"of getting outta the rat race, get outta"},{"speaker":"Average Joe Finances","startTime":932.588,"endTime":935.113,"body":"the rat race, get outta the rat race."},{"speaker":"Average Joe Finances","startTime":935.113,"endTime":938.188,"body":"But for a lot of us, it is"},{"speaker":"Average Joe Finances","startTime":935.113,"endTime":938.188,"body":"like a gerbil wheel, right?"},{"speaker":"Average Joe Finances","startTime":938.188,"endTime":940.067,"body":"Where you get on and you're running"},{"speaker":"Average Joe Finances","startTime":938.188,"endTime":940.067,"body":"and running and running, and"},{"speaker":"Average Joe Finances","startTime":940.067,"endTime":941.663,"body":"you're going absolutely nowhere."},{"speaker":"Average Joe Finances","startTime":941.68,"endTime":945.2,"body":"And when you think about all the"},{"speaker":"Average Joe Finances","startTime":941.68,"endTime":945.2,"body":"time that they're running and getting"},{"speaker":"Average Joe Finances","startTime":945.2,"endTime":948.147,"body":"nowhere, you're thinking about those"},{"speaker":"Average Joe Finances","startTime":945.2,"endTime":948.147,"body":"hours that you're working throughout"},{"speaker":"Average Joe Finances","startTime":948.147,"endTime":950.577,"body":"your entire life and going nowhere."},{"speaker":"Average Joe Finances","startTime":950.586,"endTime":951.888,"body":"So that's a very good point."},{"speaker":"Average Joe Finances","startTime":951.957,"endTime":955.227,"body":"And it is something to that maybe a"},{"speaker":"Average Joe Finances","startTime":951.957,"endTime":955.227,"body":"little scare tactic as well, right?"},{"speaker":"Average Joe Finances","startTime":955.227,"endTime":957.859,"body":"cause you think about your mortality,"},{"speaker":"Average Joe Finances","startTime":955.227,"endTime":957.859,"body":"you think about when you're at your"},{"speaker":"Average Joe Finances","startTime":957.889,"endTime":961.812,"body":"end life, do you really wanna be the"},{"speaker":"Average Joe Finances","startTime":957.889,"endTime":961.812,"body":"person that's in their sixties and"},{"speaker":"Average Joe Finances","startTime":961.812,"endTime":964.192,"body":"seventies continuing to have to work."},{"speaker":"Average Joe Finances","startTime":964.252,"endTime":968.469,"body":"In order to live and survive,"},{"speaker":"Average Joe Finances","startTime":964.252,"endTime":968.469,"body":"you should want to live life, not"},{"speaker":"Average Joe Finances","startTime":968.469,"endTime":970.304,"body":"just to survive, but to thrive."},{"speaker":"Average Joe Finances","startTime":970.304,"endTime":970.839,"body":"You know what I'm saying?"},{"speaker":"Average Joe Finances","startTime":970.839,"endTime":974.098,"body":"That's the type of mindset that you"},{"speaker":"Average Joe Finances","startTime":970.839,"endTime":974.098,"body":"need to have if you wanna become a"},{"speaker":"Average Joe Finances","startTime":974.098,"endTime":978.4,"body":"millionaire and get yourself out of this"},{"speaker":"Average Joe Finances","startTime":974.098,"endTime":978.4,"body":"rat race or off that gerbil wheel, right?"},{"speaker":"Average Joe Finances","startTime":978.4,"endTime":981.285,"body":"And start actually making"},{"speaker":"Average Joe Finances","startTime":978.4,"endTime":981.285,"body":"some movement forward, right?"},{"speaker":"Average Joe Finances","startTime":981.386,"endTime":983.316,"body":"And there's a couple things that"},{"speaker":"Average Joe Finances","startTime":981.386,"endTime":983.316,"body":"you can take out of that, right?"},{"speaker":"Average Joe Finances","startTime":983.341,"endTime":985.226,"body":"You get out of the gerbil"},{"speaker":"Average Joe Finances","startTime":983.341,"endTime":985.226,"body":"wheel and you can move forward."},{"speaker":"Average Joe Finances","startTime":985.226,"endTime":987.618,"body":"And then there's the end of the"},{"speaker":"Average Joe Finances","startTime":985.226,"endTime":987.618,"body":"durable tank enclosure, right?"},{"speaker":"Average Joe Finances","startTime":987.623,"endTime":989.958,"body":"So now you gotta figure out how"},{"speaker":"Average Joe Finances","startTime":987.623,"endTime":989.958,"body":"you're gonna get out of there, how"},{"speaker":"Average Joe Finances","startTime":989.958,"endTime":991.389,"body":"you're gonna climb up on out, right?"},{"speaker":"Average Joe Finances","startTime":991.669,"endTime":994.729,"body":"There's so many different ways and like"},{"speaker":"Average Joe Finances","startTime":991.669,"endTime":994.729,"body":"some of the ways that you were sharing."},{"speaker":"Average Joe Finances","startTime":994.827,"endTime":998.315,"body":"I think that's a hundred percent, a"},{"speaker":"Average Joe Finances","startTime":994.827,"endTime":998.315,"body":"factor that people should think about."},{"speaker":"Average Joe Finances","startTime":998.33,"endTime":1001.024,"body":"There's so many ways to build"},{"speaker":"Average Joe Finances","startTime":998.33,"endTime":1001.024,"body":"wealth, whether it's through"},{"speaker":"Average Joe Finances","startTime":1001.024,"endTime":1003.887,"body":"real estate, through investing in"},{"speaker":"Average Joe Finances","startTime":1001.024,"endTime":1003.887,"body":"the stock market or even through"},{"speaker":"Average Joe Finances","startTime":1003.917,"endTime":1005.627,"body":"cryptocurrencies and things like that."},{"speaker":"Average Joe Finances","startTime":1005.627,"endTime":1007.457,"body":"I don't know too much about crypto."},{"speaker":"Average Joe Finances","startTime":1007.481,"endTime":1009.997,"body":"So don't, try not to talk about that"},{"speaker":"Average Joe Finances","startTime":1007.481,"endTime":1009.997,"body":"too much, but I know people that"},{"speaker":"Average Joe Finances","startTime":1009.997,"endTime":1011.243,"body":"have done really well with that."},{"speaker":"Average Joe Finances","startTime":1011.299,"endTime":1013.999,"body":"And I know people that have"},{"speaker":"Average Joe Finances","startTime":1011.299,"endTime":1013.999,"body":"done very poorly with that."},{"speaker":"Average Joe Finances","startTime":1013.999,"endTime":1016.252,"body":"But you know what, I could say the"},{"speaker":"Average Joe Finances","startTime":1013.999,"endTime":1016.252,"body":"same thing about the stock market."},{"speaker":"Average Joe Finances","startTime":1016.252,"endTime":1018.142,"body":"I could say the same thing"},{"speaker":"Average Joe Finances","startTime":1016.252,"endTime":1018.142,"body":"about real estate, right?"},{"speaker":"Average Joe Finances","startTime":1018.142,"endTime":1021.699,"body":"So these are all different asset classes"},{"speaker":"Average Joe Finances","startTime":1018.142,"endTime":1021.699,"body":"and you're gonna find your comfort zone."},{"speaker":"Average Joe Finances","startTime":1021.699,"endTime":1024.296,"body":"You're gonna find what you're comfortable"},{"speaker":"Average Joe Finances","startTime":1021.699,"endTime":1024.296,"body":"with and find something that that"},{"speaker":"Average Joe Finances","startTime":1024.301,"endTime":1026.786,"body":"you are passionate about and that"},{"speaker":"Average Joe Finances","startTime":1024.301,"endTime":1026.786,"body":"you wanna move forward in, right?"},{"speaker":"Average Joe Finances","startTime":1026.786,"endTime":1029.593,"body":"So whatever that is, just"},{"speaker":"Average Joe Finances","startTime":1026.786,"endTime":1029.593,"body":"take it seriously, right?"},{"speaker":"Average Joe Finances","startTime":1029.593,"endTime":1029.875,"body":"But yeah."},{"speaker":"Average Joe Finances","startTime":1029.875,"endTime":1032.294,"body":"Now in your own personal journey, right?"},{"speaker":"Average Joe Finances","startTime":1032.294,"endTime":1035.988,"body":"So you made that decision at 25 and"},{"speaker":"Average Joe Finances","startTime":1032.294,"endTime":1035.988,"body":"you're doing, amazing things where"},{"speaker":"Average Joe Finances","startTime":1035.998,"endTime":1037.978,"body":"now you're at this point where you're"},{"speaker":"Average Joe Finances","startTime":1035.998,"endTime":1037.978,"body":"putting a thousand dollars away."},{"speaker":"Average Joe Finances","startTime":1038.773,"endTime":1043.918,"body":"500 a month into you said, was it mutual"},{"speaker":"Average Joe Finances","startTime":1038.773,"endTime":1043.918,"body":"funds or index funds and then another 500?"},{"speaker":"Tony Bradshaw","startTime":1043.923,"endTime":1044.908,"body":"Yeah, that"},{"speaker":"Tony Bradshaw","startTime":1043.923,"endTime":1044.908,"body":"time was mutual funds."},{"speaker":"Average Joe Finances","startTime":1044.998,"endTime":1045.328,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1045.568,"endTime":1045.748,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1045.748,"endTime":1048.778,"body":"And then like another 500 into some stocks"},{"speaker":"Average Joe Finances","startTime":1045.748,"endTime":1048.778,"body":"that you were interested in, that you"},{"speaker":"Average Joe Finances","startTime":1048.778,"endTime":1053.134,"body":"were trading at a, between 60 and 90%,"},{"speaker":"Average Joe Finances","startTime":1048.778,"endTime":1053.134,"body":"which is awesome, like great returns."},{"speaker":"Average Joe Finances","startTime":1053.212,"endTime":1056.445,"body":"Usually when I try to trade stuff, I"},{"speaker":"Average Joe Finances","startTime":1053.212,"endTime":1056.445,"body":"usually, get negative returns, , so"},{"speaker":"Average Joe Finances","startTime":1056.445,"endTime":1057.735,"body":"I try to set it and forget it."},{"speaker":"Average Joe Finances","startTime":1057.761,"endTime":1058.437,"body":"But that's just me."},{"speaker":"Average Joe Finances","startTime":1058.487,"endTime":1058.817,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1058.937,"endTime":1062.156,"body":"Now when you did that and you made"},{"speaker":"Average Joe Finances","startTime":1058.937,"endTime":1062.156,"body":"that shift, you said, By the age"},{"speaker":"Average Joe Finances","startTime":1062.156,"endTime":1063.581,"body":"of 40, I'm gonna be a millionaire."},{"speaker":"Average Joe Finances","startTime":1063.581,"endTime":1066.867,"body":"So you gave yourself"},{"speaker":"Average Joe Finances","startTime":1063.581,"endTime":1066.867,"body":"that 15 year time limit."},{"speaker":"Average Joe Finances","startTime":1066.928,"endTime":1069.808,"body":"How long did it take you from the"},{"speaker":"Average Joe Finances","startTime":1066.928,"endTime":1069.808,"body":"time that you made that decision"},{"speaker":"Average Joe Finances","startTime":1069.808,"endTime":1070.848,"body":"to actually reach that goal?"},{"speaker":"Tony Bradshaw","startTime":1070.929,"endTime":1072.519,"body":"Yeah, I"},{"speaker":"Tony Bradshaw","startTime":1070.929,"endTime":1072.519,"body":"was right at 15 years."},{"speaker":"Tony Bradshaw","startTime":1072.519,"endTime":1073.719,"body":"I was in my 40th year."},{"speaker":"Tony Bradshaw","startTime":1073.802,"endTime":1076.172,"body":"I remember walking into my wife"},{"speaker":"Tony Bradshaw","startTime":1073.802,"endTime":1076.172,"body":"and saying, Hey, guess what?"},{"speaker":"Tony Bradshaw","startTime":1076.172,"endTime":1076.802,"body":"We're millionaires."},{"speaker":"Tony Bradshaw","startTime":1076.802,"endTime":1077.205,"body":"She's what?"},{"speaker":"Tony Bradshaw","startTime":1077.236,"endTime":1080.346,"body":"I had the mistake I made there was,"},{"speaker":"Tony Bradshaw","startTime":1077.236,"endTime":1080.346,"body":"I didn't talk to her about it, like"},{"speaker":"Tony Bradshaw","startTime":1080.346,"endTime":1083.991,"body":"I was doing this thing and I didn't"},{"speaker":"Tony Bradshaw","startTime":1080.346,"endTime":1083.991,"body":"know what it meant to be barely knew"},{"speaker":"Tony Bradshaw","startTime":1083.996,"endTime":1085.191,"body":"what it meant to be married man."},{"speaker":"Tony Bradshaw","startTime":1085.191,"endTime":1086.802,"body":"And and share your ideas."},{"speaker":"Tony Bradshaw","startTime":1086.802,"endTime":1089.472,"body":"So I'm over here working and doing this"},{"speaker":"Tony Bradshaw","startTime":1086.802,"endTime":1089.472,"body":"stuff, trying to stay outta debt and,"},{"speaker":"Tony Bradshaw","startTime":1089.539,"endTime":1090.891,"body":"and we're having babies popping out."},{"speaker":"Tony Bradshaw","startTime":1090.891,"endTime":1092.181,"body":"We popped out six kids."},{"speaker":"Tony Bradshaw","startTime":1092.251,"endTime":1093.001,"body":"I did the math."},{"speaker":"Tony Bradshaw","startTime":1093.001,"endTime":1096.614,"body":"I tried to get her to do cloth diapers"},{"speaker":"Tony Bradshaw","startTime":1093.001,"endTime":1096.614,"body":"to save money, and she said, hell no."},{"speaker":"Tony Bradshaw","startTime":1097.064,"endTime":1099.538,"body":"And I was like okay,"},{"speaker":"Tony Bradshaw","startTime":1097.064,"endTime":1099.538,"body":"I'll do regular diapers."},{"speaker":"Tony Bradshaw","startTime":1099.538,"endTime":1102.405,"body":"Fortunately, I had a boss and I"},{"speaker":"Tony Bradshaw","startTime":1099.538,"endTime":1102.405,"body":"did cloth diapers, don't do cloth"},{"speaker":"Tony Bradshaw","startTime":1102.41,"endTime":1104.327,"body":"diapers buy the disposables."},{"speaker":"Tony Bradshaw","startTime":1104.335,"endTime":1105.115,"body":"And I did the math."},{"speaker":"Tony Bradshaw","startTime":1105.12,"endTime":1109.648,"body":"It was like $1,500 per kid on diapers,"},{"speaker":"Tony Bradshaw","startTime":1105.12,"endTime":1109.648,"body":"their life the first 2, 3 years."},{"speaker":"Tony Bradshaw","startTime":1109.648,"endTime":1109.858,"body":"Yeah."},{"speaker":"Tony Bradshaw","startTime":1110.308,"endTime":1111.838,"body":"And I'm like, man, I didn't"},{"speaker":"Tony Bradshaw","startTime":1110.308,"endTime":1111.838,"body":"wanna spend that money."},{"speaker":"Tony Bradshaw","startTime":1111.838,"endTime":1114.855,"body":"You know that six kids, that's like"},{"speaker":"Tony Bradshaw","startTime":1111.838,"endTime":1114.855,"body":"nine grand and I didn't wanna spend that"},{"speaker":"Tony Bradshaw","startTime":1114.855,"endTime":1117.644,"body":"money, but we spent it cause for me, I'm"},{"speaker":"Tony Bradshaw","startTime":1114.855,"endTime":1117.644,"body":"that's something that should be going"},{"speaker":"Tony Bradshaw","startTime":1117.644,"endTime":1118.994,"body":"in the investment bucket over here."},{"speaker":"Tony Bradshaw","startTime":1119.045,"endTime":1122.325,"body":"Not in the poop bucket and that"},{"speaker":"Tony Bradshaw","startTime":1119.045,"endTime":1122.325,"body":"was the journey that we were on."},{"speaker":"Tony Bradshaw","startTime":1122.385,"endTime":1125.484,"body":"And like I said I think you"},{"speaker":"Tony Bradshaw","startTime":1122.385,"endTime":1125.484,"body":"gotta start where you are, right?"},{"speaker":"Tony Bradshaw","startTime":1125.507,"endTime":1127.702,"body":"I didn't, 25, I didn't"},{"speaker":"Tony Bradshaw","startTime":1125.507,"endTime":1127.702,"body":"have all the answers."},{"speaker":"Tony Bradshaw","startTime":1127.702,"endTime":1131.537,"body":"All I did was change course and I"},{"speaker":"Tony Bradshaw","startTime":1127.702,"endTime":1131.537,"body":"know a lot more today, 25 years later"},{"speaker":"Tony Bradshaw","startTime":1131.537,"endTime":1134.924,"body":"than I did when I started, but the"},{"speaker":"Tony Bradshaw","startTime":1131.537,"endTime":1134.924,"body":"beauty of it is I think if you can get"},{"speaker":"Tony Bradshaw","startTime":1134.924,"endTime":1137.834,"body":"people going in the right direction,"},{"speaker":"Tony Bradshaw","startTime":1134.924,"endTime":1137.834,"body":"they'll figure it out like that."},{"speaker":"Tony Bradshaw","startTime":1137.864,"endTime":1139.514,"body":"You just gotta shift their priorities."},{"speaker":"Tony Bradshaw","startTime":1139.528,"endTime":1142.129,"body":"And then, I, what I teach, one"},{"speaker":"Tony Bradshaw","startTime":1139.528,"endTime":1142.129,"body":"of the things I teach people is"},{"speaker":"Tony Bradshaw","startTime":1142.129,"endTime":1145.713,"body":"Millionaire Key number four in my"},{"speaker":"Tony Bradshaw","startTime":1142.129,"endTime":1145.713,"body":"book is You gotta Get Money Smart."},{"speaker":"Tony Bradshaw","startTime":1145.772,"endTime":1149.555,"body":"We all go to school, spend 12 years in,"},{"speaker":"Tony Bradshaw","startTime":1145.772,"endTime":1149.555,"body":"undergrad school, then you go off to"},{"speaker":"Tony Bradshaw","startTime":1149.555,"endTime":1152.964,"body":"college, spend another four years, maybe"},{"speaker":"Tony Bradshaw","startTime":1149.555,"endTime":1152.964,"body":"five, maybe six, maybe eight, depending"},{"speaker":"Tony Bradshaw","startTime":1152.969,"endTime":1154.254,"body":"on if you get a PhD or something."},{"speaker":"Tony Bradshaw","startTime":1154.284,"endTime":1157.674,"body":"But really when you look at how"},{"speaker":"Tony Bradshaw","startTime":1154.284,"endTime":1157.674,"body":"much studying you do, how many hours"},{"speaker":"Tony Bradshaw","startTime":1157.674,"endTime":1160.907,"body":"you spend to study math, english,"},{"speaker":"Tony Bradshaw","startTime":1157.674,"endTime":1160.907,"body":"science, you might get, like today"},{"speaker":"Tony Bradshaw","startTime":1160.907,"endTime":1164.207,"body":"even they might give you one personal"},{"speaker":"Tony Bradshaw","startTime":1160.907,"endTime":1164.207,"body":"finance class and it's not very good."},{"speaker":"Tony Bradshaw","startTime":1164.207,"endTime":1167.512,"body":"So it's like, why, like why is"},{"speaker":"Tony Bradshaw","startTime":1164.207,"endTime":1167.512,"body":"it like one of the most important"},{"speaker":"Tony Bradshaw","startTime":1167.512,"endTime":1171.042,"body":"things you could possibly study in"},{"speaker":"Tony Bradshaw","startTime":1167.512,"endTime":1171.042,"body":"your lifetime is personal finance."},{"speaker":"Tony Bradshaw","startTime":1171.042,"endTime":1174.376,"body":"And so I teach people to go, Hey,"},{"speaker":"Tony Bradshaw","startTime":1171.042,"endTime":1174.376,"body":"you spent that much time learning"},{"speaker":"Tony Bradshaw","startTime":1174.376,"endTime":1175.696,"body":"about math, English, and science."},{"speaker":"Tony Bradshaw","startTime":1175.696,"endTime":1178.666,"body":"Why don't you spend that much time"},{"speaker":"Tony Bradshaw","startTime":1175.696,"endTime":1178.666,"body":"learning about personal finance, which"},{"speaker":"Tony Bradshaw","startTime":1178.671,"endTime":1183.232,"body":"is gonna affect you for your entire life"},{"speaker":"Tony Bradshaw","startTime":1178.671,"endTime":1183.232,"body":"and affect your family and affect your"},{"speaker":"Tony Bradshaw","startTime":1183.642,"endTime":1185.032,"body":"grandkids and affect your great grandkids?"},{"speaker":"Tony Bradshaw","startTime":1185.302,"endTime":1187.022,"body":"Because if you could make that shift."},{"speaker":"Tony Bradshaw","startTime":1187.066,"endTime":1191.341,"body":"As a person, your kids are gonna"},{"speaker":"Tony Bradshaw","startTime":1187.066,"endTime":1191.341,"body":"pick up some of that from you."},{"speaker":"Tony Bradshaw","startTime":1191.341,"endTime":1192.776,"body":"They're gonna get, on the right track."},{"speaker":"Tony Bradshaw","startTime":1192.776,"endTime":1195.197,"body":"You said something earlier"},{"speaker":"Tony Bradshaw","startTime":1192.776,"endTime":1195.197,"body":"about growing up and shielding"},{"speaker":"Tony Bradshaw","startTime":1195.197,"endTime":1196.702,"body":"our kids from financial issues."},{"speaker":"Tony Bradshaw","startTime":1196.882,"endTime":1197.962,"body":"I did the opposite.."},{"speaker":"Tony Bradshaw","startTime":1197.966,"endTime":1200.651,"body":"If we're tight on money, I just tell"},{"speaker":"Tony Bradshaw","startTime":1197.966,"endTime":1200.651,"body":"them, I'm like, Hey, we're tight."},{"speaker":"Tony Bradshaw","startTime":1200.651,"endTime":1202.365,"body":"You're not getting, we're"},{"speaker":"Tony Bradshaw","startTime":1200.651,"endTime":1202.365,"body":"not going and doing that."},{"speaker":"Tony Bradshaw","startTime":1202.605,"endTime":1207.041,"body":"I was very specific about teaching"},{"speaker":"Tony Bradshaw","startTime":1202.605,"endTime":1207.041,"body":"my kids the goods, the ups and"},{"speaker":"Tony Bradshaw","startTime":1207.301,"endTime":1208.393,"body":"the downs, and are we wealthy?"},{"speaker":"Tony Bradshaw","startTime":1208.426,"endTime":1209.386,"body":"Yeah, we got money."},{"speaker":"Tony Bradshaw","startTime":1209.626,"endTime":1211.786,"body":"We're probably the wealthiest"},{"speaker":"Tony Bradshaw","startTime":1209.626,"endTime":1211.786,"body":"people in our neighborhood."},{"speaker":"Tony Bradshaw","startTime":1211.822,"endTime":1214.285,"body":"We're probably the only ones"},{"speaker":"Tony Bradshaw","startTime":1211.822,"endTime":1214.285,"body":"that have our house paid off."},{"speaker":"Tony Bradshaw","startTime":1214.289,"endTime":1216.005,"body":"Everybody else is floating"},{"speaker":"Tony Bradshaw","startTime":1214.289,"endTime":1216.005,"body":"out on their house."},{"speaker":"Tony Bradshaw","startTime":1216.006,"endTime":1218.616,"body":"My kids know that and I teach 'em"},{"speaker":"Tony Bradshaw","startTime":1216.006,"endTime":1218.616,"body":"that because I don't want 'em to"},{"speaker":"Tony Bradshaw","startTime":1218.621,"endTime":1222.582,"body":"be arrogant about the finances or"},{"speaker":"Tony Bradshaw","startTime":1218.621,"endTime":1222.582,"body":"about the money, I bought my wife a"},{"speaker":"Tony Bradshaw","startTime":1223.012,"endTime":1225.254,"body":"1969 Corvette for her 40th birthday."},{"speaker":"Tony Bradshaw","startTime":1225.279,"endTime":1227.51,"body":"And those are things you"},{"speaker":"Tony Bradshaw","startTime":1225.279,"endTime":1227.51,"body":"can do when you have cash."},{"speaker":"Tony Bradshaw","startTime":1227.51,"endTime":1230.802,"body":"Sometimes, there's opportunities"},{"speaker":"Tony Bradshaw","startTime":1227.51,"endTime":1230.802,"body":"to give to people that need help."},{"speaker":"Tony Bradshaw","startTime":1230.802,"endTime":1234.351,"body":"Engaged with some non-profits some human"},{"speaker":"Tony Bradshaw","startTime":1230.802,"endTime":1234.351,"body":"trap that are fighting human trafficking."},{"speaker":"Tony Bradshaw","startTime":1234.351,"endTime":1236.366,"body":"We've written some very"},{"speaker":"Tony Bradshaw","startTime":1234.351,"endTime":1236.366,"body":"large checks to those groups."},{"speaker":"Tony Bradshaw","startTime":1236.405,"endTime":1240.641,"body":"Those are shifts in your mindset that"},{"speaker":"Tony Bradshaw","startTime":1236.405,"endTime":1240.641,"body":"kind of take you on a different journey."},{"speaker":"Tony Bradshaw","startTime":1240.641,"endTime":1245.82,"body":"And, and my wife, honestly, I think she's"},{"speaker":"Tony Bradshaw","startTime":1240.641,"endTime":1245.82,"body":"just now getting used after 23 years of"},{"speaker":"Tony Bradshaw","startTime":1245.82,"endTime":1249.318,"body":"marriage actually getting used to the"},{"speaker":"Tony Bradshaw","startTime":1245.82,"endTime":1249.318,"body":"idea of having a little bit of wealth."},{"speaker":"Tony Bradshaw","startTime":1249.334,"endTime":1251.024,"body":"Like she didn't grow up in a wealthy home."},{"speaker":"Tony Bradshaw","startTime":1251.147,"endTime":1253.836,"body":"So both of us are first generation"},{"speaker":"Tony Bradshaw","startTime":1251.147,"endTime":1253.836,"body":"millionaires in our families,"},{"speaker":"Tony Bradshaw","startTime":1253.86,"endTime":1256.721,"body":"and we're just now figuring out"},{"speaker":"Tony Bradshaw","startTime":1253.86,"endTime":1256.721,"body":"what it, means to have wealth."},{"speaker":"Tony Bradshaw","startTime":1256.726,"endTime":1262.017,"body":"We didn't have it before, and you have to"},{"speaker":"Tony Bradshaw","startTime":1256.726,"endTime":1262.017,"body":"go through this kind of growing process."},{"speaker":"Tony Bradshaw","startTime":1262.017,"endTime":1262.324,"body":"It does."},{"speaker":"Tony Bradshaw","startTime":1262.329,"endTime":1263.791,"body":"It's not oh, you weren't a millionaire."},{"speaker":"Tony Bradshaw","startTime":1263.791,"endTime":1264.631,"body":"Now you're a millionaire."},{"speaker":"Tony Bradshaw","startTime":1264.636,"endTime":1265.861,"body":"And now you got it all figured out."},{"speaker":"Tony Bradshaw","startTime":1265.891,"endTime":1266.911,"body":"It doesn't work that way."},{"speaker":"Tony Bradshaw","startTime":1266.911,"endTime":1270.654,"body":"You just have to evolve in your thinking"},{"speaker":"Tony Bradshaw","startTime":1266.911,"endTime":1270.654,"body":"and getting money smart is a big thing."},{"speaker":"Tony Bradshaw","startTime":1270.654,"endTime":1273.336,"body":"One of the things I teach too is"},{"speaker":"Tony Bradshaw","startTime":1270.654,"endTime":1273.336,"body":"you know like Warren Buffet, bill"},{"speaker":"Tony Bradshaw","startTime":1273.336,"endTime":1275.766,"body":"Gates, Warren Buffet, you name him,"},{"speaker":"Tony Bradshaw","startTime":1273.336,"endTime":1275.766,"body":"all the richest guys in the world."},{"speaker":"Tony Bradshaw","startTime":1275.792,"endTime":1279.095,"body":"They weren't born with gold bars"},{"speaker":"Tony Bradshaw","startTime":1275.792,"endTime":1279.095,"body":"in their hands, doing spreadsheets"},{"speaker":"Tony Bradshaw","startTime":1279.095,"endTime":1280.712,"body":"on personal finance or investing."},{"speaker":"Tony Bradshaw","startTime":1280.712,"endTime":1282.896,"body":"They had to learn it"},{"speaker":"Tony Bradshaw","startTime":1280.712,"endTime":1282.896,"body":"just like everybody else."},{"speaker":"Tony Bradshaw","startTime":1282.896,"endTime":1286.516,"body":"They just happened to learn it at a"},{"speaker":"Tony Bradshaw","startTime":1282.896,"endTime":1286.516,"body":"probably younger age than most of us do."},{"speaker":"Tony Bradshaw","startTime":1286.54,"endTime":1289.115,"body":"And they were able to walk that"},{"speaker":"Tony Bradshaw","startTime":1286.54,"endTime":1289.115,"body":"out for a longer period of time."},{"speaker":"Tony Bradshaw","startTime":1289.315,"endTime":1292.146,"body":"I think Warren Buffet's probably"},{"speaker":"Tony Bradshaw","startTime":1289.315,"endTime":1292.146,"body":"what, 80 years old now or something?"},{"speaker":"Average Joe Finances","startTime":1292.506,"endTime":1293.676,"body":"Yeah, he's in his eighties."},{"speaker":"Average Joe Finances","startTime":1294.096,"endTime":1297.256,"body":"He's made most of his money"},{"speaker":"Average Joe Finances","startTime":1294.096,"endTime":1297.256,"body":"from the age of 65 until now."},{"speaker":"Average Joe Finances","startTime":1297.282,"endTime":1299.567,"body":"Just because of the beauty of"},{"speaker":"Average Joe Finances","startTime":1297.282,"endTime":1299.567,"body":"compound interest, the way you"},{"speaker":"Average Joe Finances","startTime":1299.567,"endTime":1300.837,"body":"were describing it before, right?"},{"speaker":"Average Joe Finances","startTime":1300.857,"endTime":1302.807,"body":"When you first started saving"},{"speaker":"Average Joe Finances","startTime":1300.857,"endTime":1302.807,"body":"and you were like, oh yeah."},{"speaker":"Average Joe Finances","startTime":1302.807,"endTime":1308.08,"body":"That first year, it was $12,000 plus"},{"speaker":"Average Joe Finances","startTime":1302.807,"endTime":1308.08,"body":"what I made with what was invested."},{"speaker":"Average Joe Finances","startTime":1308.179,"endTime":1310.309,"body":"But that's one of the beautiful"},{"speaker":"Average Joe Finances","startTime":1308.179,"endTime":1310.309,"body":"things about compound interest."},{"speaker":"Average Joe Finances","startTime":1310.309,"endTime":1314.599,"body":"The earlier you start, the better offer"},{"speaker":"Average Joe Finances","startTime":1310.309,"endTime":1314.599,"body":"you're gonna be in the end because"},{"speaker":"Average Joe Finances","startTime":1314.599,"endTime":1316.489,"body":"it's just compounding on top of itself."},{"speaker":"Average Joe Finances","startTime":1316.489,"endTime":1317.239,"body":"On top of itself."},{"speaker":"Average Joe Finances","startTime":1317.449,"endTime":1319.479,"body":"It's the reason why it's called"},{"speaker":"Average Joe Finances","startTime":1317.449,"endTime":1319.479,"body":"the eighth one of the world."},{"speaker":"Tony Bradshaw","startTime":1319.56,"endTime":1320.13,"body":"I love that."},{"speaker":"Tony Bradshaw","startTime":1320.13,"endTime":1322.714,"body":"But I also wanna tell people, cause"},{"speaker":"Tony Bradshaw","startTime":1320.13,"endTime":1322.714,"body":"one of the things I hear from people"},{"speaker":"Tony Bradshaw","startTime":1322.714,"endTime":1325.284,"body":"I talk to is, oh those millionaires"},{"speaker":"Tony Bradshaw","startTime":1322.714,"endTime":1325.284,"body":"got lucky, or those rich people"},{"speaker":"Tony Bradshaw","startTime":1325.289,"endTime":1327.336,"body":"got lucky, or, which is, it's crap."},{"speaker":"Tony Bradshaw","startTime":1327.336,"endTime":1327.981,"body":"That's not true."},{"speaker":"Tony Bradshaw","startTime":1328.221,"endTime":1331.133,"body":"That just discounts all the"},{"speaker":"Tony Bradshaw","startTime":1328.221,"endTime":1331.133,"body":"hard work that people do to"},{"speaker":"Tony Bradshaw","startTime":1331.133,"endTime":1332.891,"body":"learn and grow and to be ready."},{"speaker":"Tony Bradshaw","startTime":1332.922,"endTime":1336.036,"body":"Rich people are not evil at least not"},{"speaker":"Tony Bradshaw","startTime":1332.922,"endTime":1336.036,"body":"all of them, some of them are for sure."},{"speaker":"Tony Bradshaw","startTime":1336.069,"endTime":1337.239,"body":"But they're good ones"},{"speaker":"Tony Bradshaw","startTime":1336.069,"endTime":1337.239,"body":"and they're bad ones."},{"speaker":"Tony Bradshaw","startTime":1337.244,"endTime":1339.203,"body":"Just there are, good people,"},{"speaker":"Tony Bradshaw","startTime":1337.244,"endTime":1339.203,"body":"bad people everywhere."},{"speaker":"Tony Bradshaw","startTime":1339.233,"endTime":1342.459,"body":"One thing that I do see is like when"},{"speaker":"Tony Bradshaw","startTime":1339.233,"endTime":1342.459,"body":"people are older they think it's too late."},{"speaker":"Tony Bradshaw","startTime":1342.476,"endTime":1344.396,"body":"They're like, ah, I missed my opportunity."},{"speaker":"Tony Bradshaw","startTime":1344.396,"endTime":1344.936,"body":"I'm in my forties."},{"speaker":"Tony Bradshaw","startTime":1344.936,"endTime":1347.707,"body":"So yeah it's great to do compound"},{"speaker":"Tony Bradshaw","startTime":1344.936,"endTime":1347.707,"body":"interest when you're in your twenties,"},{"speaker":"Tony Bradshaw","startTime":1348.217,"endTime":1351.547,"body":"but the reality is you could be 40 and"},{"speaker":"Tony Bradshaw","startTime":1348.217,"endTime":1351.547,"body":"you could still take advantage of it."},{"speaker":"Tony Bradshaw","startTime":1351.547,"endTime":1354.037,"body":"I got a friend that didn't start"},{"speaker":"Tony Bradshaw","startTime":1351.547,"endTime":1354.037,"body":"investing until he was 38 years old."},{"speaker":"Tony Bradshaw","startTime":1354.187,"endTime":1356.917,"body":"He didn't know anything about"},{"speaker":"Tony Bradshaw","startTime":1354.187,"endTime":1356.917,"body":"investing nothing, and he had"},{"speaker":"Tony Bradshaw","startTime":1356.917,"endTime":1359.147,"body":"$70,000 sitting in a savings account."},{"speaker":"Tony Bradshaw","startTime":1359.164,"endTime":1361.087,"body":"Collecting like one, 2% interest."},{"speaker":"Tony Bradshaw","startTime":1361.087,"endTime":1361.147,"body":"Wow."},{"speaker":"Tony Bradshaw","startTime":1361.417,"endTime":1361.657,"body":"Yeah."},{"speaker":"Tony Bradshaw","startTime":1361.657,"endTime":1364.653,"body":"He didn't know anything about and"},{"speaker":"Tony Bradshaw","startTime":1361.657,"endTime":1364.653,"body":"once he discovered compound interest,"},{"speaker":"Tony Bradshaw","startTime":1364.653,"endTime":1366.303,"body":"once he discovered how to invest."},{"speaker":"Tony Bradshaw","startTime":1366.303,"endTime":1367.233,"body":"He's off to the races."},{"speaker":"Tony Bradshaw","startTime":1367.233,"endTime":1371.633,"body":"He told, his brain shifted, it only"},{"speaker":"Tony Bradshaw","startTime":1367.233,"endTime":1371.633,"body":"took him nine years after that moment"},{"speaker":"Tony Bradshaw","startTime":1371.693,"endTime":1372.984,"body":"to actually become a millionaire."},{"speaker":"Tony Bradshaw","startTime":1372.984,"endTime":1376.41,"body":"And then now he's only about, I"},{"speaker":"Tony Bradshaw","startTime":1372.984,"endTime":1376.41,"body":"think a year or two years past that."},{"speaker":"Tony Bradshaw","startTime":1376.59,"endTime":1379.262,"body":"And he's knocking on the door"},{"speaker":"Tony Bradshaw","startTime":1376.59,"endTime":1379.262,"body":"2 million just two years later,"},{"speaker":"Tony Bradshaw","startTime":1379.262,"endTime":1380.278,"body":"a year to two years later."},{"speaker":"Tony Bradshaw","startTime":1380.286,"endTime":1382.866,"body":"And so when he gets a dollar,"},{"speaker":"Tony Bradshaw","startTime":1380.286,"endTime":1382.866,"body":"here's how he's shifted his mind."},{"speaker":"Tony Bradshaw","startTime":1383.196,"endTime":1383.916,"body":"He gets a dollar."},{"speaker":"Tony Bradshaw","startTime":1383.916,"endTime":1385.656,"body":"He's like, where can I stick this money?"},{"speaker":"Tony Bradshaw","startTime":1385.686,"endTime":1386.897,"body":"Like, where can I compound it?"},{"speaker":"Tony Bradshaw","startTime":1386.902,"endTime":1387.897,"body":"Where can I multiply it?"},{"speaker":"Tony Bradshaw","startTime":1388.026,"endTime":1390.851,"body":"So he doesn't go go, Hey, where"},{"speaker":"Tony Bradshaw","startTime":1388.026,"endTime":1390.851,"body":"can I, what car can I buy?"},{"speaker":"Tony Bradshaw","startTime":1390.909,"endTime":1391.658,"body":"What watch, can I buy?"},{"speaker":"Tony Bradshaw","startTime":1391.658,"endTime":1392.42,"body":"What pool can I buy?"},{"speaker":"Tony Bradshaw","startTime":1392.425,"endTime":1395.275,"body":"He automatically, his brain's"},{"speaker":"Tony Bradshaw","startTime":1392.425,"endTime":1395.275,"body":"wired to go, how can I multiply it?"},{"speaker":"Tony Bradshaw","startTime":1395.785,"endTime":1398.785,"body":"And then now his wife, I met her"},{"speaker":"Tony Bradshaw","startTime":1395.785,"endTime":1398.785,"body":"for the first time here recently,"},{"speaker":"Tony Bradshaw","startTime":1398.785,"endTime":1400.555,"body":"and she's on the same page."},{"speaker":"Tony Bradshaw","startTime":1400.705,"endTime":1403.063,"body":"Like they both think that"},{"speaker":"Tony Bradshaw","startTime":1400.705,"endTime":1403.063,"body":"way now in their family."},{"speaker":"Tony Bradshaw","startTime":1403.071,"endTime":1407.417,"body":"And they both came from low income"},{"speaker":"Tony Bradshaw","startTime":1403.071,"endTime":1407.417,"body":"broken, like not broken, but not not"},{"speaker":"Tony Bradshaw","startTime":1407.417,"endTime":1409.718,"body":"well to do families out in Mississippi."},{"speaker":"Tony Bradshaw","startTime":1409.724,"endTime":1412.864,"body":"And then now he's like probably"},{"speaker":"Tony Bradshaw","startTime":1409.724,"endTime":1412.864,"body":"first generation millionaire."},{"speaker":"Tony Bradshaw","startTime":1412.875,"endTime":1413.895,"body":"He's a multi-millionaire now."},{"speaker":"Tony Bradshaw","startTime":1413.919,"endTime":1416.903,"body":"And he grew up and there was a,"},{"speaker":"Tony Bradshaw","startTime":1413.919,"endTime":1416.903,"body":"another guy had on my show called"},{"speaker":"Tony Bradshaw","startTime":1416.903,"endTime":1418.947,"body":"Willie Mandrell, his grandmother."},{"speaker":"Tony Bradshaw","startTime":1418.965,"endTime":1421.192,"body":"Grew up, I think she was born in Alabama."},{"speaker":"Tony Bradshaw","startTime":1421.192,"endTime":1424.352,"body":"I could be wrong, Alabama or"},{"speaker":"Tony Bradshaw","startTime":1421.192,"endTime":1424.352,"body":"Mississippi, low income family, sixth"},{"speaker":"Tony Bradshaw","startTime":1424.352,"endTime":1428.432,"body":"grade education, Mike, sixth grade"},{"speaker":"Tony Bradshaw","startTime":1424.352,"endTime":1428.432,"body":"education, that's as far as she went."},{"speaker":"Tony Bradshaw","startTime":1428.762,"endTime":1431.852,"body":"Moved up to Boston, started getting"},{"speaker":"Tony Bradshaw","startTime":1428.762,"endTime":1431.852,"body":"into real estate multimillionaire,"},{"speaker":"Tony Bradshaw","startTime":1432.032,"endTime":1434.81,"body":"and this woman's probably, I don't"},{"speaker":"Tony Bradshaw","startTime":1432.032,"endTime":1434.81,"body":"even think she's alive anymore."},{"speaker":"Tony Bradshaw","startTime":1434.966,"endTime":1436.855,"body":"She'd probably be about"},{"speaker":"Tony Bradshaw","startTime":1434.966,"endTime":1436.855,"body":"80 years old right now."},{"speaker":"Tony Bradshaw","startTime":1436.855,"endTime":1437.635,"body":"She was still alive."},{"speaker":"Tony Bradshaw","startTime":1437.668,"endTime":1440.898,"body":"Willie's in his thirties, his dad's"},{"speaker":"Tony Bradshaw","startTime":1437.668,"endTime":1440.898,"body":"probably in his forties, and so she would"},{"speaker":"Tony Bradshaw","startTime":1440.898,"endTime":1443.222,"body":"be, maybe 60, 70, but multimillionaire."},{"speaker":"Tony Bradshaw","startTime":1443.342,"endTime":1445.542,"body":"And all she ever had was a"},{"speaker":"Tony Bradshaw","startTime":1443.342,"endTime":1445.542,"body":"sixth grade education woman."},{"speaker":"Tony Bradshaw","startTime":1445.542,"endTime":1448.297,"body":"And that's why I tell people"},{"speaker":"Tony Bradshaw","startTime":1445.542,"endTime":1448.297,"body":"anyone can become a millionaire."},{"speaker":"Tony Bradshaw","startTime":1448.304,"endTime":1449.054,"body":"Why not you?"},{"speaker":"Tony Bradshaw","startTime":1449.054,"endTime":1449.924,"body":"So you got a choice."},{"speaker":"Tony Bradshaw","startTime":1449.929,"endTime":1452.544,"body":"Do you wanna, be broke at the end"},{"speaker":"Tony Bradshaw","startTime":1449.929,"endTime":1452.544,"body":"of your life, or do you wanna have a"},{"speaker":"Tony Bradshaw","startTime":1452.544,"endTime":1454.794,"body":"little bit of wealth and be able to"},{"speaker":"Tony Bradshaw","startTime":1452.544,"endTime":1454.794,"body":"have a little bit of impact on people's"},{"speaker":"Tony Bradshaw","startTime":1454.794,"endTime":1456.117,"body":"lives, make the world a better place?"},{"speaker":"Average Joe Finances","startTime":1456.141,"endTime":1459.302,"body":"Yeah, the thing"},{"speaker":"Average Joe Finances","startTime":1456.141,"endTime":1459.302,"body":"is If you have the right mindset,"},{"speaker":"Average Joe Finances","startTime":1459.362,"endTime":1462.381,"body":"and it's something that you put"},{"speaker":"Average Joe Finances","startTime":1459.362,"endTime":1462.381,"body":"these goals out there and something"},{"speaker":"Average Joe Finances","startTime":1462.381,"endTime":1466.414,"body":"you wanna do, the only person that"},{"speaker":"Average Joe Finances","startTime":1462.381,"endTime":1466.414,"body":"can stop you is yourself, right?"},{"speaker":"Average Joe Finances","startTime":1466.464,"endTime":1469.549,"body":"That's the whole thing about having this"},{"speaker":"Average Joe Finances","startTime":1466.464,"endTime":1469.549,"body":"mindset shift and flipping that switch."},{"speaker":"Average Joe Finances","startTime":1469.553,"endTime":1474.355,"body":"I know for me, like I was going against"},{"speaker":"Average Joe Finances","startTime":1469.553,"endTime":1474.355,"body":"myself for the longest time before I was"},{"speaker":"Average Joe Finances","startTime":1474.355,"endTime":1476.875,"body":"able to shift my mindset and say, No!"},{"speaker":"Average Joe Finances","startTime":1476.942,"endTime":1478.172,"body":"I'm not doing this anymore."},{"speaker":"Average Joe Finances","startTime":1478.172,"endTime":1480.809,"body":"I need to make better decisions"},{"speaker":"Average Joe Finances","startTime":1478.172,"endTime":1480.809,"body":"when it comes to my in, what"},{"speaker":"Average Joe Finances","startTime":1480.809,"endTime":1481.919,"body":"I'm doing with my income, right?"},{"speaker":"Average Joe Finances","startTime":1481.919,"endTime":1483.143,"body":"And where am I putting this money?"},{"speaker":"Average Joe Finances","startTime":1483.163,"endTime":1486.05,"body":"When you were talking about your buddy"},{"speaker":"Average Joe Finances","startTime":1483.163,"endTime":1486.05,"body":"that he gets a dollar and he says, okay,"},{"speaker":"Average Joe Finances","startTime":1486.05,"endTime":1489.512,"body":"where am I gonna put this dollar that it's"},{"speaker":"Average Joe Finances","startTime":1486.05,"endTime":1489.512,"body":"going to, basically go get put to work."},{"speaker":"Average Joe Finances","startTime":1489.512,"endTime":1491.648,"body":"That's the way millionaires think."},{"speaker":"Average Joe Finances","startTime":1491.698,"endTime":1494.172,"body":"It's not about, okay, oh I"},{"speaker":"Average Joe Finances","startTime":1491.698,"endTime":1494.172,"body":"made a little extra money."},{"speaker":"Average Joe Finances","startTime":1494.172,"endTime":1495.372,"body":"Let me go buy a new car."},{"speaker":"Average Joe Finances","startTime":1495.372,"endTime":1496.152,"body":"No, it's okay."},{"speaker":"Average Joe Finances","startTime":1496.152,"endTime":1497.652,"body":"I got this money that came in."},{"speaker":"Average Joe Finances","startTime":1497.712,"endTime":1500.452,"body":"What can I invest it in that's"},{"speaker":"Average Joe Finances","startTime":1497.712,"endTime":1500.452,"body":"going to make me more money?"},{"speaker":"Average Joe Finances","startTime":1500.476,"endTime":1502.211,"body":"And keep that compound thing going."},{"speaker":"Average Joe Finances","startTime":1502.246,"endTime":1506.773,"body":"The nicer cars and the nicer home and"},{"speaker":"Average Joe Finances","startTime":1502.246,"endTime":1506.773,"body":"all that other stuff that is a side"},{"speaker":"Average Joe Finances","startTime":1506.773,"endTime":1510.952,"body":"effect of shifting that mindset, because"},{"speaker":"Average Joe Finances","startTime":1506.773,"endTime":1510.952,"body":"eventually when the time comes, you"},{"speaker":"Average Joe Finances","startTime":1510.952,"endTime":1514.302,"body":"could be like, oh, I've got an asset that"},{"speaker":"Average Joe Finances","startTime":1510.952,"endTime":1514.302,"body":"will pay for this vehicle or whatever."},{"speaker":"Average Joe Finances","startTime":1514.302,"endTime":1516.677,"body":"Like it's already taken care"},{"speaker":"Average Joe Finances","startTime":1514.302,"endTime":1516.677,"body":"of because of what I bought is"},{"speaker":"Average Joe Finances","startTime":1516.682,"endTime":1517.727,"body":"something that's gonna pay for it."},{"speaker":"Average Joe Finances","startTime":1517.757,"endTime":1520.157,"body":"It's not something I'm gonna pay my"},{"speaker":"Average Joe Finances","startTime":1517.757,"endTime":1520.157,"body":"own money out of, it's money that"},{"speaker":"Average Joe Finances","startTime":1520.157,"endTime":1522.227,"body":"I employed to create more money."},{"speaker":"Average Joe Finances","startTime":1522.241,"endTime":1523.098,"body":"We'll go pay for that."},{"speaker":"Average Joe Finances","startTime":1523.098,"endTime":1526.284,"body":"So once you make that shift in"},{"speaker":"Average Joe Finances","startTime":1523.098,"endTime":1526.284,"body":"your mindset, it's just like"},{"speaker":"Average Joe Finances","startTime":1526.346,"endTime":1528.026,"body":"the whole world changes for you."},{"speaker":"Average Joe Finances","startTime":1528.044,"endTime":1528.718,"body":"At that point."},{"speaker":"Average Joe Finances","startTime":1528.737,"endTime":1529.688,"body":"And it takes some time."},{"speaker":"Average Joe Finances","startTime":1529.688,"endTime":1532.334,"body":"Like you don't just become an instant"},{"speaker":"Average Joe Finances","startTime":1529.688,"endTime":1532.334,"body":"millionaire, But once you get that"},{"speaker":"Average Joe Finances","startTime":1532.334,"endTime":1536.831,"body":"millionaire mindset and as you say,"},{"speaker":"Average Joe Finances","startTime":1532.334,"endTime":1536.831,"body":"make that millionaire choice, Once"},{"speaker":"Average Joe Finances","startTime":1536.831,"endTime":1540.264,"body":"you do that, you're unstoppable at"},{"speaker":"Average Joe Finances","startTime":1536.831,"endTime":1540.264,"body":"that point, as long as you stayed"},{"speaker":"Average Joe Finances","startTime":1540.269,"endTime":1542.371,"body":"disciplined and focused on your goals."},{"speaker":"Tony Bradshaw","startTime":1542.401,"endTime":1543.451,"body":"Yeah, I think you're right."},{"speaker":"Tony Bradshaw","startTime":1543.571,"endTime":1546.723,"body":"I love what you said about making your"},{"speaker":"Tony Bradshaw","startTime":1543.571,"endTime":1546.723,"body":"money a multiply for you because I'll be"},{"speaker":"Tony Bradshaw","startTime":1546.723,"endTime":1551.215,"body":"honest, even for me cause I come out of"},{"speaker":"Tony Bradshaw","startTime":1546.723,"endTime":1551.215,"body":"the corporate world, And this is a new"},{"speaker":"Tony Bradshaw","startTime":1551.215,"endTime":1554.785,"body":"thought process cause we get programmed"},{"speaker":"Tony Bradshaw","startTime":1551.215,"endTime":1554.785,"body":"to think about how to make money and"},{"speaker":"Tony Bradshaw","startTime":1554.79,"endTime":1556.964,"body":"we get so, in that track of a job."},{"speaker":"Tony Bradshaw","startTime":1557.041,"endTime":1557.971,"body":"And that's all we learn."},{"speaker":"Tony Bradshaw","startTime":1557.987,"endTime":1559.433,"body":"There's lots of ways to make money."},{"speaker":"Tony Bradshaw","startTime":1559.443,"endTime":1564.291,"body":"The job just seems to be the one that"},{"speaker":"Tony Bradshaw","startTime":1559.443,"endTime":1564.291,"body":"everybody gets pigeonholed into and"},{"speaker":"Tony Bradshaw","startTime":1564.741,"endTime":1568.274,"body":"honestly stuck in and I really encourage"},{"speaker":"Tony Bradshaw","startTime":1564.741,"endTime":1568.274,"body":"your listeners go, okay, I can work a"},{"speaker":"Tony Bradshaw","startTime":1568.279,"endTime":1569.834,"body":"job and make money, but what other ways?"},{"speaker":"Tony Bradshaw","startTime":1569.949,"endTime":1570.835,"body":"Can I go to make money?"},{"speaker":"Tony Bradshaw","startTime":1570.849,"endTime":1572.199,"body":"Some people go create a business."},{"speaker":"Tony Bradshaw","startTime":1572.199,"endTime":1574.604,"body":"Some people do passive income"},{"speaker":"Tony Bradshaw","startTime":1572.199,"endTime":1574.604,"body":"through real estate investing."},{"speaker":"Tony Bradshaw","startTime":1574.609,"endTime":1577.747,"body":"Some people maybe create their own"},{"speaker":"Tony Bradshaw","startTime":1574.609,"endTime":1577.747,"body":"products or patents or things like that."},{"speaker":"Tony Bradshaw","startTime":1577.752,"endTime":1580.907,"body":"Those are engineer types that come up"},{"speaker":"Tony Bradshaw","startTime":1577.752,"endTime":1580.907,"body":"with stuff, maybe software technology."},{"speaker":"Tony Bradshaw","startTime":1580.941,"endTime":1583.371,"body":"But looking at all those different"},{"speaker":"Tony Bradshaw","startTime":1580.941,"endTime":1583.371,"body":"ways, I think Robert Kiyosaki"},{"speaker":"Tony Bradshaw","startTime":1583.371,"endTime":1584.811,"body":"talks about cash flow quadrants."},{"speaker":"Tony Bradshaw","startTime":1584.827,"endTime":1586.717,"body":"Like how can you create passive income?"},{"speaker":"Tony Bradshaw","startTime":1586.785,"endTime":1589.245,"body":"And I forget who you may"},{"speaker":"Tony Bradshaw","startTime":1586.785,"endTime":1589.245,"body":"remember who said this."},{"speaker":"Tony Bradshaw","startTime":1589.695,"endTime":1591.885,"body":"I wanna say it was like Ben"},{"speaker":"Tony Bradshaw","startTime":1589.695,"endTime":1591.885,"body":"Franklin or somebody like."},{"speaker":"Tony Bradshaw","startTime":1592.101,"endTime":1595.157,"body":"But it was if you need to learn how"},{"speaker":"Tony Bradshaw","startTime":1592.101,"endTime":1595.157,"body":"to make money in your sleep or you'll"},{"speaker":"Tony Bradshaw","startTime":1595.157,"endTime":1597.201,"body":"be working until you die for money."},{"speaker":"Average Joe Finances","startTime":1597.271,"endTime":1598.259,"body":"Think"},{"speaker":"Average Joe Finances","startTime":1597.271,"endTime":1598.259,"body":"that was ben franklin."},{"speaker":"Tony Bradshaw","startTime":1598.286,"endTime":1600.356,"body":"And so that's something"},{"speaker":"Tony Bradshaw","startTime":1598.286,"endTime":1600.356,"body":"that I think everybody needs to"},{"speaker":"Tony Bradshaw","startTime":1600.356,"endTime":1604.641,"body":"hear because, honestly, I'm still"},{"speaker":"Tony Bradshaw","startTime":1600.356,"endTime":1604.641,"body":"trapped in that mindset of working"},{"speaker":"Tony Bradshaw","startTime":1604.646,"endTime":1606.351,"body":"for money now the last six years."},{"speaker":"Tony Bradshaw","startTime":1606.351,"endTime":1609.544,"body":"One of the other goals I had when"},{"speaker":"Tony Bradshaw","startTime":1606.351,"endTime":1609.544,"body":"I was 25 was to be a millionaire by"},{"speaker":"Tony Bradshaw","startTime":1609.544,"endTime":1611.644,"body":"age 40 and living off my investments."},{"speaker":"Tony Bradshaw","startTime":1611.914,"endTime":1616.024,"body":"Now, I had forgotten about that goal"},{"speaker":"Tony Bradshaw","startTime":1611.914,"endTime":1616.024,"body":"because I had such a lucrative job, I"},{"speaker":"Tony Bradshaw","startTime":1616.024,"endTime":1617.584,"body":"was just like rolling into cash, right?"},{"speaker":"Tony Bradshaw","startTime":1617.604,"endTime":1622.415,"body":"So long comes I was 46 and I lost my job,"},{"speaker":"Tony Bradshaw","startTime":1617.604,"endTime":1622.415,"body":"and now all of a sudden I went from this"},{"speaker":"Tony Bradshaw","startTime":1622.42,"endTime":1624.769,"body":"big fat, juicy income to a big nothing."},{"speaker":"Tony Bradshaw","startTime":1624.78,"endTime":1629.55,"body":"And so what I didn't realize over the"},{"speaker":"Tony Bradshaw","startTime":1624.78,"endTime":1629.55,"body":"last six years is that I have been"},{"speaker":"Tony Bradshaw","startTime":1629.555,"endTime":1631.05,"body":"living without a job for six years."},{"speaker":"Tony Bradshaw","startTime":1631.375,"endTime":1635.914,"body":"Even though my goal was to be living"},{"speaker":"Tony Bradshaw","startTime":1631.375,"endTime":1635.914,"body":"off of my investment income by age 40,"},{"speaker":"Tony Bradshaw","startTime":1635.927,"endTime":1638.477,"body":"I didn't really start that until age 46."},{"speaker":"Tony Bradshaw","startTime":1638.477,"endTime":1641.557,"body":"Now, my original plan, I"},{"speaker":"Tony Bradshaw","startTime":1638.477,"endTime":1641.557,"body":"didn't have a wife in my plan."},{"speaker":"Tony Bradshaw","startTime":1641.557,"endTime":1642.918,"body":"I didn't have her in my spreadsheet."},{"speaker":"Tony Bradshaw","startTime":1642.93,"endTime":1645.0,"body":"I didn't have six kids in my spreadsheet."},{"speaker":"Tony Bradshaw","startTime":1645.0,"endTime":1648.378,"body":"I didn't have private school at"},{"speaker":"Tony Bradshaw","startTime":1645.0,"endTime":1648.378,"body":"75 grand a year in my spreadsheet."},{"speaker":"Tony Bradshaw","startTime":1648.404,"endTime":1652.057,"body":"So those things were factors"},{"speaker":"Tony Bradshaw","startTime":1648.404,"endTime":1652.057,"body":"that were outside of my plan."},{"speaker":"Tony Bradshaw","startTime":1652.066,"endTime":1654.154,"body":"But I got moving in the right direction."},{"speaker":"Tony Bradshaw","startTime":1654.154,"endTime":1657.925,"body":"And so here I was, maybe six years later,"},{"speaker":"Tony Bradshaw","startTime":1654.154,"endTime":1657.925,"body":"even though I was a millionaire at 40, at"},{"speaker":"Tony Bradshaw","startTime":1657.925,"endTime":1661.168,"body":"46, I was unemployed starting a new life."},{"speaker":"Tony Bradshaw","startTime":1661.212,"endTime":1664.099,"body":"And that allowed me, everything"},{"speaker":"Tony Bradshaw","startTime":1661.212,"endTime":1664.099,"body":"I had done prior to that time"},{"speaker":"Tony Bradshaw","startTime":1664.127,"endTime":1666.27,"body":"allowed me to do the last six years."},{"speaker":"Tony Bradshaw","startTime":1666.27,"endTime":1669.99,"body":"Go through COVID go through all"},{"speaker":"Tony Bradshaw","startTime":1666.27,"endTime":1669.99,"body":"this transition, be at home with my"},{"speaker":"Tony Bradshaw","startTime":1669.99,"endTime":1674.566,"body":"family, almost 24 /7 and I'm like,"},{"speaker":"Tony Bradshaw","startTime":1669.99,"endTime":1674.566,"body":"wow I forgot that I had that goal."},{"speaker":"Tony Bradshaw","startTime":1674.566,"endTime":1676.16,"body":"Even, I think I just remembered that goal."},{"speaker":"Tony Bradshaw","startTime":1676.16,"endTime":1679.088,"body":"Like last year I was like, oh,"},{"speaker":"Tony Bradshaw","startTime":1676.16,"endTime":1679.088,"body":"I had a goal to live off my"},{"speaker":"Tony Bradshaw","startTime":1679.088,"endTime":1680.888,"body":"investment income by age 40."},{"speaker":"Tony Bradshaw","startTime":1680.893,"endTime":1681.348,"body":"I didn't do it by 40."},{"speaker":"Tony Bradshaw","startTime":1681.578,"endTime":1682.682,"body":"I did it by 46."},{"speaker":"Tony Bradshaw","startTime":1682.692,"endTime":1684.102,"body":"And man, it's been amazing."},{"speaker":"Tony Bradshaw","startTime":1684.102,"endTime":1686.656,"body":"And I'm like, dude I"},{"speaker":"Tony Bradshaw","startTime":1684.102,"endTime":1686.656,"body":"don't ever wanna go back."},{"speaker":"Tony Bradshaw","startTime":1686.656,"endTime":1689.426,"body":"I don't care how much you paying me,"},{"speaker":"Tony Bradshaw","startTime":1686.656,"endTime":1689.426,"body":"I wouldn't ever wanna go back to job."},{"speaker":"Tony Bradshaw","startTime":1689.431,"endTime":1691.373,"body":"I'm not saying everybody"},{"speaker":"Tony Bradshaw","startTime":1689.431,"endTime":1691.373,"body":"has can live it that way."},{"speaker":"Tony Bradshaw","startTime":1691.396,"endTime":1694.516,"body":"I'm just saying that's where I'm"},{"speaker":"Tony Bradshaw","startTime":1691.396,"endTime":1694.516,"body":"at today and it's just causing"},{"speaker":"Tony Bradshaw","startTime":1694.516,"endTime":1697.173,"body":"me to think differently and"},{"speaker":"Tony Bradshaw","startTime":1694.516,"endTime":1697.173,"body":"break free from that programming."},{"speaker":"Tony Bradshaw","startTime":1697.215,"endTime":1698.8,"body":"I think I started working"},{"speaker":"Tony Bradshaw","startTime":1697.215,"endTime":1698.8,"body":"with my mom and dad."},{"speaker":"Tony Bradshaw","startTime":1698.8,"endTime":1702.236,"body":"I was probably like about eight"},{"speaker":"Tony Bradshaw","startTime":1698.8,"endTime":1702.236,"body":"years old and cleaning parking lots,"},{"speaker":"Tony Bradshaw","startTime":1702.236,"endTime":1706.166,"body":"sweeping up cigarette butts and pulling"},{"speaker":"Tony Bradshaw","startTime":1702.236,"endTime":1706.166,"body":"thorns and weeds out of flower beds."},{"speaker":"Tony Bradshaw","startTime":1706.222,"endTime":1708.705,"body":"I hated that job, but that's"},{"speaker":"Tony Bradshaw","startTime":1706.222,"endTime":1708.705,"body":"where I learned how to make money."},{"speaker":"Tony Bradshaw","startTime":1708.705,"endTime":1711.258,"body":"I think I was at $3 and"},{"speaker":"Tony Bradshaw","startTime":1708.705,"endTime":1711.258,"body":"35 cents a hour back then."},{"speaker":"Tony Bradshaw","startTime":1711.293,"endTime":1713.377,"body":"Yeah, it was, and back then"},{"speaker":"Tony Bradshaw","startTime":1711.293,"endTime":1713.377,"body":"that was probably pretty good."},{"speaker":"Tony Bradshaw","startTime":1713.427,"endTime":1716.037,"body":"But I was hoping to get to $4"},{"speaker":"Tony Bradshaw","startTime":1713.427,"endTime":1716.037,"body":"an hour cause I thought my whole"},{"speaker":"Tony Bradshaw","startTime":1716.037,"endTime":1717.657,"body":"world would change get $4 an hour."},{"speaker":"Tony Bradshaw","startTime":1717.703,"endTime":1718.463,"body":"It doesn't change"},{"speaker":"Tony Bradshaw","startTime":1718.481,"endTime":1720.041,"body":"."},{"speaker":"Tony Bradshaw","startTime":1718.481,"endTime":1720.041,"body":"Average Joe Finances: That's, a"},{"speaker":"Tony Bradshaw","startTime":1720.041,"endTime":1721.901,"body":"I, if I just make more money,"},{"speaker":"Tony Bradshaw","startTime":1720.041,"endTime":1721.901,"body":"if I just make more money,"},{"speaker":"Tony Bradshaw","startTime":1721.901,"endTime":1722.883,"body":"everything's gonna change."},{"speaker":"Tony Bradshaw","startTime":1722.925,"endTime":1725.351,"body":"No, you're gonna make more money"},{"speaker":"Tony Bradshaw","startTime":1722.925,"endTime":1725.351,"body":"and you're gonna spend that money."},{"speaker":"Tony Bradshaw","startTime":1725.375,"endTime":1727.747,"body":"That's the only thing that's gonna"},{"speaker":"Tony Bradshaw","startTime":1725.375,"endTime":1727.747,"body":"change is your spending's gonna go up."},{"speaker":"Tony Bradshaw","startTime":1727.747,"endTime":1730.589,"body":"Not unless you change your"},{"speaker":"Tony Bradshaw","startTime":1727.747,"endTime":1730.589,"body":"mindset and discipline yourself."},{"speaker":"Tony Bradshaw","startTime":1730.617,"endTime":1732.604,"body":"Now Tony, there was something"},{"speaker":"Tony Bradshaw","startTime":1730.617,"endTime":1732.604,"body":"that you had mentioned earlier,"},{"speaker":"Tony Bradshaw","startTime":1732.604,"endTime":1733.522,"body":"and I want to touch on it."},{"speaker":"Tony Bradshaw","startTime":1733.552,"endTime":1735.755,"body":"It was you called them your money keys."},{"speaker":"Tony Bradshaw","startTime":1736.085,"endTime":1738.313,"body":"So if you could just tell me"},{"speaker":"Tony Bradshaw","startTime":1736.085,"endTime":1738.313,"body":"real quick what are these money"},{"speaker":"Tony Bradshaw","startTime":1738.313,"endTime":1739.393,"body":"keys that you had mentioned?"},{"speaker":"Tony Bradshaw","startTime":1739.428,"endTime":1742.112,"body":"So in my book you have"},{"speaker":"Tony Bradshaw","startTime":1739.428,"endTime":1742.112,"body":"to figure out how to transfer your"},{"speaker":"Tony Bradshaw","startTime":1742.112,"endTime":1745.59,"body":"ideas and what made you successful"},{"speaker":"Tony Bradshaw","startTime":1742.112,"endTime":1745.59,"body":"or what you wanna share with people."},{"speaker":"Tony Bradshaw","startTime":1745.83,"endTime":1748.62,"body":"So in my book, the Millionaire Choice,"},{"speaker":"Tony Bradshaw","startTime":1745.83,"endTime":1748.62,"body":"I have what I call 10 Keys of the"},{"speaker":"Tony Bradshaw","startTime":1748.62,"endTime":1751.69,"body":"Millionaire and and the first two"},{"speaker":"Tony Bradshaw","startTime":1748.62,"endTime":1751.69,"body":"keys, actually, the first four really"},{"speaker":"Tony Bradshaw","startTime":1751.69,"endTime":1753.07,"body":"don't have anything to do with money."},{"speaker":"Tony Bradshaw","startTime":1753.1,"endTime":1755.834,"body":"They have to do with what I call"},{"speaker":"Tony Bradshaw","startTime":1753.1,"endTime":1755.834,"body":"building your foundation and and"},{"speaker":"Tony Bradshaw","startTime":1755.834,"endTime":1758.348,"body":"what I mean by that is you can build"},{"speaker":"Tony Bradshaw","startTime":1755.834,"endTime":1758.348,"body":"all the money you want, but if you"},{"speaker":"Tony Bradshaw","startTime":1758.348,"endTime":1759.669,"body":"don't have a strong foundation."},{"speaker":"Tony Bradshaw","startTime":1759.669,"endTime":1760.569,"body":"It's not gonna last."},{"speaker":"Tony Bradshaw","startTime":1760.569,"endTime":1761.829,"body":"It's gonna be something very temporary."},{"speaker":"Tony Bradshaw","startTime":1761.829,"endTime":1765.382,"body":"So the first key is you have to develop"},{"speaker":"Tony Bradshaw","startTime":1761.829,"endTime":1765.382,"body":"strong character cause you can't build"},{"speaker":"Tony Bradshaw","startTime":1765.382,"endTime":1767.062,"body":"or keep wealth without strong character."},{"speaker":"Tony Bradshaw","startTime":1767.128,"endTime":1770.214,"body":"Case in point, the fastest way to"},{"speaker":"Tony Bradshaw","startTime":1767.128,"endTime":1770.214,"body":"lose and I hope I don't offend anybody"},{"speaker":"Tony Bradshaw","startTime":1770.214,"endTime":1772.994,"body":"listening to the show, but it's just"},{"speaker":"Tony Bradshaw","startTime":1770.214,"endTime":1772.994,"body":"the fact, the fastest way to lose half"},{"speaker":"Tony Bradshaw","startTime":1772.999,"endTime":1774.644,"body":"your money is to go through a divorce."},{"speaker":"Tony Bradshaw","startTime":1774.68,"endTime":1778.158,"body":"Which I came dangerously close to at one"},{"speaker":"Tony Bradshaw","startTime":1774.68,"endTime":1778.158,"body":"point and I was able to make it through."},{"speaker":"Tony Bradshaw","startTime":1778.158,"endTime":1781.211,"body":"But, my wife, if that would've happened,"},{"speaker":"Tony Bradshaw","startTime":1778.158,"endTime":1781.211,"body":"my wife would've ended up with, 50"},{"speaker":"Tony Bradshaw","startTime":1781.211,"endTime":1783.21,"body":"to 60% of what I had worked for."},{"speaker":"Tony Bradshaw","startTime":1783.21,"endTime":1785.308,"body":"That's not a good situation"},{"speaker":"Tony Bradshaw","startTime":1783.21,"endTime":1785.308,"body":"for anybody to go through."},{"speaker":"Tony Bradshaw","startTime":1785.322,"endTime":1785.544,"body":"But"},{"speaker":"Tony Bradshaw","startTime":1785.544,"endTime":1789.25,"body":"I deal with only five factors of"},{"speaker":"Tony Bradshaw","startTime":1785.544,"endTime":1789.25,"body":"character -integrity, responsibility,"},{"speaker":"Tony Bradshaw","startTime":1789.25,"endTime":1791.5,"body":"work ethic, self discipline and focus."},{"speaker":"Tony Bradshaw","startTime":1791.78,"endTime":1795.95,"body":"So those were five things that even though"},{"speaker":"Tony Bradshaw","startTime":1791.78,"endTime":1795.95,"body":"my parents didn't teach me about personal"},{"speaker":"Tony Bradshaw","startTime":1795.95,"endTime":1800.789,"body":"finance, they did instill those principles"},{"speaker":"Tony Bradshaw","startTime":1795.95,"endTime":1800.789,"body":"of integrity, responsibilities work ethic,"},{"speaker":"Tony Bradshaw","startTime":1800.789,"endTime":1802.979,"body":"self-discipline, and focus into my life."},{"speaker":"Tony Bradshaw","startTime":1802.979,"endTime":1806.762,"body":"And that I think those were pivotal for me"},{"speaker":"Tony Bradshaw","startTime":1802.979,"endTime":1806.762,"body":"being able to reach some level of success."},{"speaker":"Tony Bradshaw","startTime":1806.784,"endTime":1809.148,"body":"The next one was time management."},{"speaker":"Tony Bradshaw","startTime":1809.148,"endTime":1810.618,"body":"So you have to maximize your time."},{"speaker":"Tony Bradshaw","startTime":1810.618,"endTime":1812.928,"body":"Cause we all are created"},{"speaker":"Tony Bradshaw","startTime":1810.618,"endTime":1812.928,"body":"with the same amount of time."},{"speaker":"Tony Bradshaw","startTime":1812.933,"endTime":1816.673,"body":"I talked about, you're gonna work a"},{"speaker":"Tony Bradshaw","startTime":1812.933,"endTime":1816.673,"body":"hundred to 150,000 hours in your lifetime."},{"speaker":"Tony Bradshaw","startTime":1816.903,"endTime":1820.593,"body":"It's the rest of your time that really"},{"speaker":"Tony Bradshaw","startTime":1816.903,"endTime":1820.593,"body":"dictates how you're gonna do because"},{"speaker":"Tony Bradshaw","startTime":1820.602,"endTime":1824.311,"body":"you got people, average person watches"},{"speaker":"Tony Bradshaw","startTime":1820.602,"endTime":1824.311,"body":"like 130 average American that is"},{"speaker":"Tony Bradshaw","startTime":1824.311,"endTime":1826.385,"body":"watches 130 hours of television a month."},{"speaker":"Tony Bradshaw","startTime":1826.391,"endTime":1827.691,"body":"That's basically a full-time."},{"speaker":"Tony Bradshaw","startTime":1827.691,"endTime":1831.64,"body":"Watching video or being on television and"},{"speaker":"Tony Bradshaw","startTime":1827.691,"endTime":1831.64,"body":"you're not gonna build wealth doing that."},{"speaker":"Tony Bradshaw","startTime":1831.669,"endTime":1833.524,"body":"That's not a wealth building principle."},{"speaker":"Tony Bradshaw","startTime":1833.554,"endTime":1836.774,"body":"That's a principle that's gonna put you"},{"speaker":"Tony Bradshaw","startTime":1833.554,"endTime":1836.774,"body":"into poverty or keep you in poverty and"},{"speaker":"Tony Bradshaw","startTime":1836.774,"endTime":1840.427,"body":"so you have to think through like, how"},{"speaker":"Tony Bradshaw","startTime":1836.774,"endTime":1840.427,"body":"do I maximize my time and get more out of"},{"speaker":"Tony Bradshaw","startTime":1840.432,"endTime":1842.053,"body":"my life out of the time I had available."},{"speaker":"Tony Bradshaw","startTime":1842.053,"endTime":1844.183,"body":"The third key is you gotta find a mentor."},{"speaker":"Tony Bradshaw","startTime":1844.193,"endTime":1845.313,"body":"I was more of a do it yourself."},{"speaker":"Tony Bradshaw","startTime":1845.368,"endTime":1847.4,"body":"My mentor was magazines and books."},{"speaker":"Tony Bradshaw","startTime":1847.461,"endTime":1849.469,"body":"If I could go back and redo it."},{"speaker":"Tony Bradshaw","startTime":1849.512,"endTime":1852.812,"body":"I would've went and found a mentor, I"},{"speaker":"Tony Bradshaw","startTime":1849.512,"endTime":1852.812,"body":"would've found somebody that could have"},{"speaker":"Tony Bradshaw","startTime":1852.812,"endTime":1856.544,"body":"mentored me whether that's somebody"},{"speaker":"Tony Bradshaw","startTime":1852.812,"endTime":1856.544,"body":"on the radio or somebody in person."},{"speaker":"Tony Bradshaw","startTime":1856.57,"endTime":1859.817,"body":"But I think that's pivotal to learn"},{"speaker":"Tony Bradshaw","startTime":1856.57,"endTime":1859.817,"body":"from somebody else's experience"},{"speaker":"Tony Bradshaw","startTime":1859.817,"endTime":1862.77,"body":"that's 20, 30, 40 years down the"},{"speaker":"Tony Bradshaw","startTime":1859.817,"endTime":1862.77,"body":"road from you versus trying to"},{"speaker":"Tony Bradshaw","startTime":1862.775,"endTime":1863.85,"body":"figure out everything on your own."},{"speaker":"Tony Bradshaw","startTime":1863.855,"endTime":1865.417,"body":"Go from there find a money mentor."},{"speaker":"Tony Bradshaw","startTime":1865.417,"endTime":1867.472,"body":"And then the fourth one is, get money."},{"speaker":"Tony Bradshaw","startTime":1867.472,"endTime":1868.042,"body":"Smart, right?"},{"speaker":"Tony Bradshaw","startTime":1868.042,"endTime":1869.242,"body":"We talked about that one already."},{"speaker":"Tony Bradshaw","startTime":1869.317,"endTime":1872.125,"body":"You gotta put the effort in listening"},{"speaker":"Tony Bradshaw","startTime":1869.317,"endTime":1872.125,"body":"to a podcast, getting a habit of"},{"speaker":"Tony Bradshaw","startTime":1872.125,"endTime":1875.501,"body":"listening to a podcast, listening"},{"speaker":"Tony Bradshaw","startTime":1872.125,"endTime":1875.501,"body":"to financial guys read books how"},{"speaker":"Tony Bradshaw","startTime":1875.501,"endTime":1876.671,"body":"are you absorbing new information?"},{"speaker":"Tony Bradshaw","startTime":1876.676,"endTime":1877.975,"body":"You mentioned cryptocurrency."},{"speaker":"Tony Bradshaw","startTime":1877.975,"endTime":1879.055,"body":"I gotta do cryptocurrency."},{"speaker":"Tony Bradshaw","startTime":1879.06,"endTime":1882.917,"body":"In 2017 again, I went down to do it"},{"speaker":"Tony Bradshaw","startTime":1879.06,"endTime":1882.917,"body":"yourself, figure it out I actually"},{"speaker":"Tony Bradshaw","startTime":1882.922,"endTime":1885.321,"body":"picked I don't know, I probably"},{"speaker":"Tony Bradshaw","startTime":1882.922,"endTime":1885.321,"body":"invested in 20 different cryptos."},{"speaker":"Tony Bradshaw","startTime":1885.561,"endTime":1888.855,"body":"About 15 of those are top"},{"speaker":"Tony Bradshaw","startTime":1885.561,"endTime":1888.855,"body":"probably top twenties right now."},{"speaker":"Tony Bradshaw","startTime":1888.86,"endTime":1890.92,"body":"And then I had to sell a"},{"speaker":"Tony Bradshaw","startTime":1888.86,"endTime":1890.92,"body":"bunch of 'em off pay bills and"},{"speaker":"Tony Bradshaw","startTime":1890.92,"endTime":1891.91,"body":"different things I had going on."},{"speaker":"Tony Bradshaw","startTime":1892.09,"endTime":1894.568,"body":"But those are what I call"},{"speaker":"Tony Bradshaw","startTime":1892.09,"endTime":1894.568,"body":"the foundational elements."},{"speaker":"Tony Bradshaw","startTime":1894.568,"endTime":1898.569,"body":"And then once you get past"},{"speaker":"Tony Bradshaw","startTime":1894.568,"endTime":1898.569,"body":"those, you get into the basics,"},{"speaker":"Tony Bradshaw","startTime":1898.574,"endTime":1900.065,"body":"which you need to have a budget."},{"speaker":"Tony Bradshaw","startTime":1900.096,"endTime":1902.106,"body":"And we talked about"},{"speaker":"Tony Bradshaw","startTime":1900.096,"endTime":1902.106,"body":"budgeting a little bit."},{"speaker":"Tony Bradshaw","startTime":1902.106,"endTime":1905.496,"body":"You need to avoid, I call it avoid"},{"speaker":"Tony Bradshaw","startTime":1902.106,"endTime":1905.496,"body":"debt, but you could say get outta"},{"speaker":"Tony Bradshaw","startTime":1905.501,"endTime":1907.116,"body":"debt if you've got consumer debt."},{"speaker":"Tony Bradshaw","startTime":1907.155,"endTime":1908.097,"body":"We're not talking about."},{"speaker":"Tony Bradshaw","startTime":1908.097,"endTime":1909.512,"body":"Good debt versus bad debt."},{"speaker":"Tony Bradshaw","startTime":1909.512,"endTime":1910.632,"body":"That's a different conversation."},{"speaker":"Tony Bradshaw","startTime":1910.632,"endTime":1913.67,"body":"But we could go down that road and"},{"speaker":"Tony Bradshaw","startTime":1910.632,"endTime":1913.67,"body":"then when you get through the rest of"},{"speaker":"Tony Bradshaw","startTime":1913.67,"endTime":1916.405,"body":"those, and they're all listed on my"},{"speaker":"Tony Bradshaw","startTime":1913.67,"endTime":1916.405,"body":"website at themillionairechoice.com,"},{"speaker":"Tony Bradshaw","startTime":1916.43,"endTime":1919.16,"body":"but probably the bigger ones is"},{"speaker":"Tony Bradshaw","startTime":1916.43,"endTime":1919.16,"body":"you need to boost your income."},{"speaker":"Tony Bradshaw","startTime":1919.228,"endTime":1921.388,"body":"You need to figure out"},{"speaker":"Tony Bradshaw","startTime":1919.228,"endTime":1921.388,"body":"ways to boost your income."},{"speaker":"Tony Bradshaw","startTime":1921.388,"endTime":1923.456,"body":"I think that's millionaire"},{"speaker":"Tony Bradshaw","startTime":1921.388,"endTime":1923.456,"body":"key number nine because you"},{"speaker":"Tony Bradshaw","startTime":1923.456,"endTime":1924.926,"body":"don't wanna be income stagnant."},{"speaker":"Tony Bradshaw","startTime":1924.926,"endTime":1929.371,"body":"I know a lot of my friends who"},{"speaker":"Tony Bradshaw","startTime":1924.926,"endTime":1929.371,"body":"are stuck in 30, $40,000 range and"},{"speaker":"Tony Bradshaw","startTime":1929.371,"endTime":1930.991,"body":"they have a lot more potential."},{"speaker":"Tony Bradshaw","startTime":1930.991,"endTime":1934.801,"body":"But if you wanna accelerate wealth"},{"speaker":"Tony Bradshaw","startTime":1930.991,"endTime":1934.801,"body":"building, you've got to figure out"},{"speaker":"Tony Bradshaw","startTime":1934.801,"endTime":1938.101,"body":"how to boost your income, get a side"},{"speaker":"Tony Bradshaw","startTime":1934.801,"endTime":1938.101,"body":"hustle, get another way to make money."},{"speaker":"Tony Bradshaw","startTime":1938.102,"endTime":1941.557,"body":"I didn't at 39 grand, so I put"},{"speaker":"Tony Bradshaw","startTime":1938.102,"endTime":1941.557,"body":"my millionaire plan together"},{"speaker":"Tony Bradshaw","startTime":1941.557,"endTime":1943.417,"body":"when I was making $39,000."},{"speaker":"Tony Bradshaw","startTime":1943.417,"endTime":1946.352,"body":"Now today in today's money,"},{"speaker":"Tony Bradshaw","startTime":1943.417,"endTime":1946.352,"body":"that's not very much money at all."},{"speaker":"Tony Bradshaw","startTime":1946.358,"endTime":1950.503,"body":"But that was enough to allow me to grab"},{"speaker":"Tony Bradshaw","startTime":1946.358,"endTime":1950.503,"body":"hold of that concept of building wealth."},{"speaker":"Tony Bradshaw","startTime":1950.526,"endTime":1953.908,"body":"What I never realized because of"},{"speaker":"Tony Bradshaw","startTime":1950.526,"endTime":1953.908,"body":"the family I came from, is I didn't"},{"speaker":"Tony Bradshaw","startTime":1954.088,"endTime":1957.268,"body":"really believe or understand that"},{"speaker":"Tony Bradshaw","startTime":1954.088,"endTime":1957.268,"body":"I could make a six figure income."},{"speaker":"Tony Bradshaw","startTime":1957.268,"endTime":1959.582,"body":"Like I didn't understand I could make"},{"speaker":"Tony Bradshaw","startTime":1957.268,"endTime":1959.582,"body":"a hundred thousand dollars a year."},{"speaker":"Tony Bradshaw","startTime":1959.598,"endTime":1962.268,"body":"I didn't understand that I could make"},{"speaker":"Tony Bradshaw","startTime":1959.598,"endTime":1962.268,"body":"a quarter of a million dollars a year."},{"speaker":"Tony Bradshaw","startTime":1962.301,"endTime":1965.181,"body":"I didn't understand that I could make"},{"speaker":"Tony Bradshaw","startTime":1962.301,"endTime":1965.181,"body":"half a million dollars a year, and I"},{"speaker":"Tony Bradshaw","startTime":1965.181,"endTime":1967.724,"body":"went to what a lot of people would say."},{"speaker":"Tony Bradshaw","startTime":1967.724,"endTime":1969.674,"body":"It is a small college down in Florida."},{"speaker":"Tony Bradshaw","startTime":1969.68,"endTime":1971.882,"body":"It's not a a super well known college."},{"speaker":"Tony Bradshaw","startTime":1971.882,"endTime":1973.082,"body":"It's not a university."},{"speaker":"Tony Bradshaw","startTime":1973.082,"endTime":1975.798,"body":"It's not one you think about people who"},{"speaker":"Tony Bradshaw","startTime":1973.082,"endTime":1975.798,"body":"are making big money, you're, oh, you"},{"speaker":"Tony Bradshaw","startTime":1975.798,"endTime":1979.497,"body":"went and got your, Tennessee University"},{"speaker":"Tony Bradshaw","startTime":1975.798,"endTime":1979.497,"body":"or University of Florida, university"},{"speaker":"Tony Bradshaw","startTime":1979.497,"endTime":1980.427,"body":"of Hawaii or something like that."},{"speaker":"Tony Bradshaw","startTime":1980.667,"endTime":1982.729,"body":"The school I went to was not that school."},{"speaker":"Tony Bradshaw","startTime":1982.729,"endTime":1988.068,"body":"But I still was able to make a big"},{"speaker":"Tony Bradshaw","startTime":1982.729,"endTime":1988.068,"body":"income because I invested in myself even"},{"speaker":"Tony Bradshaw","startTime":1988.068,"endTime":1989.791,"body":"after college and continued to grow."},{"speaker":"Tony Bradshaw","startTime":1989.796,"endTime":1992.98,"body":"I found ways to boost my income,"},{"speaker":"Tony Bradshaw","startTime":1989.796,"endTime":1992.98,"body":"and that was by self development"},{"speaker":"Tony Bradshaw","startTime":1992.98,"endTime":1993.91,"body":"and investing in myself."},{"speaker":"Tony Bradshaw","startTime":1993.926,"endTime":1996.656,"body":"And then the last one is what I"},{"speaker":"Tony Bradshaw","startTime":1993.926,"endTime":1996.656,"body":"call create your millionaire plan,"},{"speaker":"Tony Bradshaw","startTime":1996.986,"endTime":1998.553,"body":"which is, what's your income plan?"},{"speaker":"Tony Bradshaw","startTime":1998.553,"endTime":2001.853,"body":"What's your debt plan, what's your"},{"speaker":"Tony Bradshaw","startTime":1998.553,"endTime":2001.853,"body":"investing and  multiplying planning?"},{"speaker":"Tony Bradshaw","startTime":2001.853,"endTime":2002.603,"body":"It's pretty simple."},{"speaker":"Tony Bradshaw","startTime":2002.61,"endTime":2003.836,"body":"And then make sure you review that."},{"speaker":"Tony Bradshaw","startTime":2003.836,"endTime":2006.546,"body":"Now, if I had to write that book again,"},{"speaker":"Tony Bradshaw","startTime":2003.836,"endTime":2006.546,"body":"I would say, what's your tax plan?"},{"speaker":"Tony Bradshaw","startTime":2006.553,"endTime":2011.78,"body":"Because I didn't understand taxes really"},{"speaker":"Tony Bradshaw","startTime":2006.553,"endTime":2011.78,"body":"that much until in the last year I've"},{"speaker":"Tony Bradshaw","startTime":2011.78,"endTime":2015.14,"body":"started learning more about them and"},{"speaker":"Tony Bradshaw","startTime":2011.78,"endTime":2015.14,"body":"I've paid over a million bucks in taxes."},{"speaker":"Tony Bradshaw","startTime":2015.2,"endTime":2018.5,"body":"I really hate to think of it any bigger"},{"speaker":"Tony Bradshaw","startTime":2015.2,"endTime":2018.5,"body":"than that cuz it would really depress me."},{"speaker":"Tony Bradshaw","startTime":2018.74,"endTime":2020.474,"body":"But it's, it could be double that number."},{"speaker":"Tony Bradshaw","startTime":2020.49,"endTime":2022.32,"body":"But I just didn't really focus on taxes."},{"speaker":"Tony Bradshaw","startTime":2022.32,"endTime":2025.83,"body":"I focused on income development"},{"speaker":"Tony Bradshaw","startTime":2022.32,"endTime":2025.83,"body":"and investing and not on the taxes."},{"speaker":"Tony Bradshaw","startTime":2025.83,"endTime":2028.86,"body":"I should have paid more attention to the"},{"speaker":"Tony Bradshaw","startTime":2025.83,"endTime":2028.86,"body":"taxes, but I would add that in there."},{"speaker":"Tony Bradshaw","startTime":2028.86,"endTime":2030.798,"body":"But that's millionaire key"},{"speaker":"Tony Bradshaw","startTime":2028.86,"endTime":2030.798,"body":"number 10, which is what's your"},{"speaker":"Tony Bradshaw","startTime":2030.798,"endTime":2032.038,"body":"millionaire plan putting together."},{"speaker":"Average Joe Finances","startTime":2032.205,"endTime":2032.925,"body":"Yeah, all right."},{"speaker":"Average Joe Finances","startTime":2032.925,"endTime":2033.852,"body":"So that's fantastic."},{"speaker":"Average Joe Finances","startTime":2033.852,"endTime":2037.602,"body":"So those are the keys for your"},{"speaker":"Average Joe Finances","startTime":2033.852,"endTime":2037.602,"body":"million, for your basically for"},{"speaker":"Average Joe Finances","startTime":2037.632,"endTime":2040.525,"body":"making that millionaire choice"},{"speaker":"Average Joe Finances","startTime":2037.632,"endTime":2040.525,"body":"that we talked about earlier."},{"speaker":"Average Joe Finances","startTime":2040.537,"endTime":2041.132,"body":"And that's awesome."},{"speaker":"Average Joe Finances","startTime":2041.132,"endTime":2044.128,"body":"So yeah I wanted to get those out"},{"speaker":"Average Joe Finances","startTime":2041.132,"endTime":2044.128,"body":"there, cause you had mentioned"},{"speaker":"Average Joe Finances","startTime":2044.128,"endTime":2045.178,"body":"one of the keys earlier."},{"speaker":"Average Joe Finances","startTime":2045.183,"endTime":2047.579,"body":"I wanna know what these keys are"},{"speaker":"Average Joe Finances","startTime":2045.183,"endTime":2047.579,"body":"that he's talking about here."},{"speaker":"Average Joe Finances","startTime":2047.589,"endTime":2047.963,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2047.963,"endTime":2051.393,"body":"Tony, I'd like to transition this now into"},{"speaker":"Average Joe Finances","startTime":2047.963,"endTime":2051.393,"body":"something that I call the final round."},{"speaker":"Average Joe Finances","startTime":2051.444,"endTime":2053.691,"body":"Where I'm gonna ask you"},{"speaker":"Average Joe Finances","startTime":2051.444,"endTime":2053.691,"body":"four hard-hitting questions."},{"speaker":"Average Joe Finances","startTime":2053.719,"endTime":2056.275,"body":"Really three hard-hitting"},{"speaker":"Average Joe Finances","startTime":2053.719,"endTime":2056.275,"body":"questions and one opinion question."},{"speaker":"Average Joe Finances","startTime":2056.295,"endTime":2059.878,"body":"And just to give the audience a"},{"speaker":"Average Joe Finances","startTime":2056.295,"endTime":2059.878,"body":"better idea of, how you perform or"},{"speaker":"Average Joe Finances","startTime":2059.878,"endTime":2063.061,"body":"how you've performed, when you've"},{"speaker":"Average Joe Finances","startTime":2059.878,"endTime":2063.061,"body":"made mistakes and things like that."},{"speaker":"Average Joe Finances","startTime":2063.066,"endTime":2065.131,"body":"So if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":2063.066,"endTime":2065.131,"body":"we'll get this party started."},{"speaker":"Tony Bradshaw","startTime":2065.821,"endTime":2066.631,"body":"Let's do it, Mike."},{"speaker":"Average Joe Finances","startTime":2067.051,"endTime":2068.051,"body":"All right, let's do it."},{"speaker":"Average Joe Finances","startTime":2068.051,"endTime":2071.995,"body":"So the first question I'm gonna ask"},{"speaker":"Average Joe Finances","startTime":2068.051,"endTime":2071.995,"body":"you is, what's the biggest mistake"},{"speaker":"Average Joe Finances","startTime":2072.025,"endTime":2073.985,"body":"you've ever made in your finances?"},{"speaker":"Tony Bradshaw","startTime":2074.014,"endTime":2074.854,"body":"I'm gonna give you two."},{"speaker":"Tony Bradshaw","startTime":2074.998,"endTime":2080.285,"body":"And so the first one I would say is I"},{"speaker":"Tony Bradshaw","startTime":2074.998,"endTime":2080.285,"body":"was so opposed to debt that I felt like"},{"speaker":"Tony Bradshaw","startTime":2080.285,"endTime":2084.53,"body":"I needed to sell my first house, that"},{"speaker":"Tony Bradshaw","startTime":2080.285,"endTime":2084.53,"body":"I, that when we moved to a new house"},{"speaker":"Tony Bradshaw","startTime":2084.574,"endTime":2085.894,"body":"I should have kept that first house."},{"speaker":"Tony Bradshaw","startTime":2085.946,"endTime":2087.513,"body":"We paid 62.5 for it."},{"speaker":"Tony Bradshaw","startTime":2087.568,"endTime":2089.298,"body":"It the house note was 500 bucks a month."},{"speaker":"Tony Bradshaw","startTime":2089.298,"endTime":2092.208,"body":"I could have easily afforded that"},{"speaker":"Tony Bradshaw","startTime":2089.298,"endTime":2092.208,"body":"house and turned it into a rental."},{"speaker":"Tony Bradshaw","startTime":2092.231,"endTime":2093.551,"body":"I just wasn't thinking that way."},{"speaker":"Tony Bradshaw","startTime":2093.551,"endTime":2095.891,"body":"And because of the group of"},{"speaker":"Tony Bradshaw","startTime":2093.551,"endTime":2095.891,"body":"people I was running around with"},{"speaker":"Tony Bradshaw","startTime":2095.9,"endTime":2099.424,"body":"it was a very much an anti-debt"},{"speaker":"Tony Bradshaw","startTime":2095.9,"endTime":2099.424,"body":"teaching or anti-debt philosophy."},{"speaker":"Tony Bradshaw","startTime":2099.754,"endTime":2101.764,"body":"My second house, I sold my second house."},{"speaker":"Tony Bradshaw","startTime":2101.824,"endTime":2102.424,"body":"Same thing."},{"speaker":"Tony Bradshaw","startTime":2102.839,"endTime":2105.109,"body":"If I could go back, I would've"},{"speaker":"Tony Bradshaw","startTime":2102.839,"endTime":2105.109,"body":"kept both of those houses."},{"speaker":"Tony Bradshaw","startTime":2105.191,"endTime":2108.701,"body":"Both of those houses together is probably"},{"speaker":"Tony Bradshaw","startTime":2105.191,"endTime":2108.701,"body":"three quarters of a million dollars in"},{"speaker":"Tony Bradshaw","startTime":2108.701,"endTime":2111.941,"body":"net, in a asset value, maybe higher."},{"speaker":"Tony Bradshaw","startTime":2112.241,"endTime":2115.845,"body":"And I would be renting those for"},{"speaker":"Tony Bradshaw","startTime":2112.241,"endTime":2115.845,"body":"probably probably about three to"},{"speaker":"Tony Bradshaw","startTime":2115.845,"endTime":2119.16,"body":"$4,000 a month between the two of them,"},{"speaker":"Tony Bradshaw","startTime":2115.845,"endTime":2119.16,"body":"and that would be a good investment."},{"speaker":"Tony Bradshaw","startTime":2119.174,"endTime":2120.554,"body":"I should have kept both of those houses."},{"speaker":"Tony Bradshaw","startTime":2120.554,"endTime":2121.212,"body":"I should have done that."},{"speaker":"Tony Bradshaw","startTime":2121.212,"endTime":2125.085,"body":"The second example I would give is I"},{"speaker":"Tony Bradshaw","startTime":2121.212,"endTime":2125.085,"body":"bought a lot of cryptocurrency back in"},{"speaker":"Tony Bradshaw","startTime":2125.085,"endTime":2129.735,"body":"2017 and I made some really good choices"},{"speaker":"Tony Bradshaw","startTime":2125.085,"endTime":2129.735,"body":"with my crypto, very good choices."},{"speaker":"Tony Bradshaw","startTime":2129.803,"endTime":2133.757,"body":"And, but what I ended up doing is"},{"speaker":"Tony Bradshaw","startTime":2129.803,"endTime":2133.757,"body":"I had depleted some funds in some"},{"speaker":"Tony Bradshaw","startTime":2133.757,"endTime":2137.417,"body":"other areas, so I did not get to hold"},{"speaker":"Tony Bradshaw","startTime":2133.757,"endTime":2137.417,"body":"those crypto investments as long as"},{"speaker":"Tony Bradshaw","startTime":2137.422,"endTime":2139.092,"body":"I needed to to really get the value."},{"speaker":"Tony Bradshaw","startTime":2139.092,"endTime":2143.177,"body":"If I had held those assets through"},{"speaker":"Tony Bradshaw","startTime":2139.092,"endTime":2143.177,"body":"this last bull run or, yeah, bill."},{"speaker":"Tony Bradshaw","startTime":2143.313,"endTime":2147.417,"body":"I probably would've gotten about a"},{"speaker":"Tony Bradshaw","startTime":2143.313,"endTime":2147.417,"body":"1,500% return on those investments,"},{"speaker":"Tony Bradshaw","startTime":2147.473,"endTime":2150.963,"body":"but I had to sell them and I"},{"speaker":"Tony Bradshaw","startTime":2147.473,"endTime":2150.963,"body":"didn't give 'em time to mature."},{"speaker":"Tony Bradshaw","startTime":2150.963,"endTime":2152.733,"body":"I wasn't able to give them time to mature."},{"speaker":"Tony Bradshaw","startTime":2152.738,"endTime":2154.939,"body":"And I think that's the thing we"},{"speaker":"Tony Bradshaw","startTime":2152.738,"endTime":2154.939,"body":"talked about, time, value, and money."},{"speaker":"Tony Bradshaw","startTime":2154.939,"endTime":2158.761,"body":"When you make an investment, you either"},{"speaker":"Tony Bradshaw","startTime":2154.939,"endTime":2158.761,"body":"got to have a plan to leverage it,"},{"speaker":"Tony Bradshaw","startTime":2158.761,"endTime":2162.263,"body":"to get it out, or you've got to let"},{"speaker":"Tony Bradshaw","startTime":2158.761,"endTime":2162.263,"body":"it sit and give it some time to grow"},{"speaker":"Tony Bradshaw","startTime":2162.281,"endTime":2163.688,"body":"and that, those are my biggest ones."},{"speaker":"Average Joe Finances","startTime":2163.79,"endTime":2164.0,"body":"Ok."},{"speaker":"Average Joe Finances","startTime":2164.0,"endTime":2165.222,"body":"No, thank you for sharing that."},{"speaker":"Average Joe Finances","startTime":2165.25,"endTime":2165.88,"body":"That's huge."},{"speaker":"Average Joe Finances","startTime":2165.88,"endTime":2167.512,"body":"And I mean with any investment, right?"},{"speaker":"Average Joe Finances","startTime":2167.512,"endTime":2170.362,"body":"You can't just jump into something"},{"speaker":"Average Joe Finances","startTime":2167.512,"endTime":2170.362,"body":"and then get out of it right away."},{"speaker":"Average Joe Finances","startTime":2170.442,"endTime":2174.502,"body":"Cause one, if you did do really well"},{"speaker":"Average Joe Finances","startTime":2170.442,"endTime":2174.502,"body":"with it very quickly, you're gonna"},{"speaker":"Average Joe Finances","startTime":2174.502,"endTime":2176.111,"body":"pay a lot of capital gains for one."},{"speaker":"Average Joe Finances","startTime":2176.111,"endTime":2180.076,"body":"But for two, a lot of times you're not"},{"speaker":"Average Joe Finances","startTime":2176.111,"endTime":2180.076,"body":"gonna give enough time to actually turn"},{"speaker":"Average Joe Finances","startTime":2180.076,"endTime":2183.442,"body":"into something that's going to build"},{"speaker":"Average Joe Finances","startTime":2180.076,"endTime":2183.442,"body":"you wealth or be beneficial to you."},{"speaker":"Average Joe Finances","startTime":2183.442,"endTime":2185.055,"body":"So no, I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2185.084,"endTime":2186.494,"body":"Definitely some good"},{"speaker":"Average Joe Finances","startTime":2185.084,"endTime":2186.494,"body":"lessons learned there."},{"speaker":"Average Joe Finances","startTime":2186.494,"endTime":2190.814,"body":"But speaking of lessons learned, that kind"},{"speaker":"Average Joe Finances","startTime":2186.494,"endTime":2190.814,"body":"of ties into the next question and that is"},{"speaker":"Average Joe Finances","startTime":2190.814,"endTime":2195.194,"body":"what is something that you've learned that"},{"speaker":"Average Joe Finances","startTime":2190.814,"endTime":2195.194,"body":"you wish you knew when you first started?"},{"speaker":"Tony Bradshaw","startTime":2195.257,"endTime":2198.235,"body":"Something I wish that"},{"speaker":"Tony Bradshaw","startTime":2195.257,"endTime":2198.235,"body":"I knew even started probably Just"},{"speaker":"Tony Bradshaw","startTime":2198.235,"endTime":2202.945,"body":"evolution, I think evolving, like"},{"speaker":"Tony Bradshaw","startTime":2198.235,"endTime":2202.945,"body":"how can you, once you get started"},{"speaker":"Tony Bradshaw","startTime":2203.035,"endTime":2204.925,"body":"and how can you continue your growth?"},{"speaker":"Tony Bradshaw","startTime":2204.925,"endTime":2209.515,"body":"Like I was very focused on my corporate"},{"speaker":"Tony Bradshaw","startTime":2204.925,"endTime":2209.515,"body":"leadership growth and my skills growth."},{"speaker":"Tony Bradshaw","startTime":2209.515,"endTime":2213.457,"body":"Like I got into the internet data"},{"speaker":"Tony Bradshaw","startTime":2209.515,"endTime":2213.457,"body":"and grew my skill set, which allowed"},{"speaker":"Tony Bradshaw","startTime":2213.457,"endTime":2215.227,"body":"my income to go up exponentially."},{"speaker":"Tony Bradshaw","startTime":2215.232,"endTime":2219.607,"body":"But what I didn't do was continue"},{"speaker":"Tony Bradshaw","startTime":2215.232,"endTime":2219.607,"body":"growing my mind on the way to"},{"speaker":"Tony Bradshaw","startTime":2220.027,"endTime":2221.329,"body":"multiply my money or investing."},{"speaker":"Tony Bradshaw","startTime":2221.33,"endTime":2222.938,"body":"And I wish I had done that more."},{"speaker":"Tony Bradshaw","startTime":2223.049,"endTime":2226.339,"body":"Now, there's a lot of reasons why you"},{"speaker":"Tony Bradshaw","startTime":2223.049,"endTime":2226.339,"body":"could say oh, you got married, you had six"},{"speaker":"Tony Bradshaw","startTime":2226.339,"endTime":2228.329,"body":"kids, you're popping out kids like crazy."},{"speaker":"Tony Bradshaw","startTime":2228.355,"endTime":2229.825,"body":"Your job was evolving."},{"speaker":"Tony Bradshaw","startTime":2229.854,"endTime":2232.994,"body":"There was a lot going on in that season"},{"speaker":"Tony Bradshaw","startTime":2229.854,"endTime":2232.994,"body":"of life, but I wish I would've developed a"},{"speaker":"Tony Bradshaw","startTime":2232.999,"endTime":2237.434,"body":"habit of personal development growth just"},{"speaker":"Tony Bradshaw","startTime":2232.999,"endTime":2237.434,"body":"around the area of finance so that I could"},{"speaker":"Tony Bradshaw","startTime":2237.434,"endTime":2239.864,"body":"have spent growing that For 15, 20 years."},{"speaker":"Tony Bradshaw","startTime":2239.894,"endTime":2242.284,"body":"Also developing  multiple income streams."},{"speaker":"Tony Bradshaw","startTime":2242.284,"endTime":2243.104,"body":"That's a real big one."},{"speaker":"Tony Bradshaw","startTime":2243.117,"endTime":2247.617,"body":"When I lost my job in 2016, that was"},{"speaker":"Tony Bradshaw","startTime":2243.117,"endTime":2247.617,"body":"my only real major income stream."},{"speaker":"Tony Bradshaw","startTime":2247.622,"endTime":2250.619,"body":"I had, rental properties and"},{"speaker":"Tony Bradshaw","startTime":2247.622,"endTime":2250.619,"body":"stuff, but that was a sliver of"},{"speaker":"Tony Bradshaw","startTime":2250.624,"endTime":2251.999,"body":"what I was making as an income."},{"speaker":"Tony Bradshaw","startTime":2252.269,"endTime":2255.171,"body":"And I think I would've it would've"},{"speaker":"Tony Bradshaw","startTime":2252.269,"endTime":2255.171,"body":"been good if I had stayed more"},{"speaker":"Tony Bradshaw","startTime":2255.171,"endTime":2258.822,"body":"focused on multiple income streams"},{"speaker":"Tony Bradshaw","startTime":2255.171,"endTime":2258.822,"body":"so that you got options like when the"},{"speaker":"Tony Bradshaw","startTime":2258.822,"endTime":2262.578,"body":"transition comes and it's gonna come,"},{"speaker":"Tony Bradshaw","startTime":2258.822,"endTime":2262.578,"body":"It will come for everyone eventually."},{"speaker":"Tony Bradshaw","startTime":2262.604,"endTime":2264.664,"body":"How ready are you gonna"},{"speaker":"Tony Bradshaw","startTime":2262.604,"endTime":2264.664,"body":"be for it when it comes."},{"speaker":"Average Joe Finances","startTime":2265.444,"endTime":2265.774,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2265.774,"endTime":2266.85,"body":"No, very good point."},{"speaker":"Average Joe Finances","startTime":2266.85,"endTime":2267.42,"body":"Very good."},{"speaker":"Average Joe Finances","startTime":2267.516,"endTime":2270.244,"body":"Lessons learned and stuff to take"},{"speaker":"Average Joe Finances","startTime":2267.516,"endTime":2270.244,"body":"for those that are listening right"},{"speaker":"Average Joe Finances","startTime":2270.249,"endTime":2271.899,"body":"now, things for you to think about."},{"speaker":"Average Joe Finances","startTime":2271.928,"endTime":2275.548,"body":"That Tony looks back at his past and"},{"speaker":"Average Joe Finances","startTime":2271.928,"endTime":2275.548,"body":"says, wish I would've done this instead."},{"speaker":"Average Joe Finances","startTime":2275.548,"endTime":2278.352,"body":"And I definitely appreciate that"},{"speaker":"Average Joe Finances","startTime":2275.548,"endTime":2278.352,"body":"perspective cause a lot of times, we"},{"speaker":"Average Joe Finances","startTime":2278.352,"endTime":2282.629,"body":"get so comfortable with what we're doing"},{"speaker":"Average Joe Finances","startTime":2278.352,"endTime":2282.629,"body":"and you get that complacency right."},{"speaker":"Average Joe Finances","startTime":2282.629,"endTime":2285.929,"body":"And complacency can sometimes"},{"speaker":"Average Joe Finances","startTime":2282.629,"endTime":2285.929,"body":"really become detrimental."},{"speaker":"Average Joe Finances","startTime":2285.975,"endTime":2288.795,"body":"But thankfully you were able to"},{"speaker":"Average Joe Finances","startTime":2285.975,"endTime":2288.795,"body":"land on your feet because of the"},{"speaker":"Average Joe Finances","startTime":2288.795,"endTime":2292.579,"body":"good money decisions that you've"},{"speaker":"Average Joe Finances","startTime":2288.795,"endTime":2292.579,"body":"made, that losing that income"},{"speaker":"Average Joe Finances","startTime":2292.579,"endTime":2294.329,"body":"didn't completely decimate you."},{"speaker":"Average Joe Finances","startTime":2294.329,"endTime":2297.602,"body":"Where somebody who's not making"},{"speaker":"Average Joe Finances","startTime":2294.329,"endTime":2297.602,"body":"such good money decisions, they lose"},{"speaker":"Average Joe Finances","startTime":2297.602,"endTime":2301.085,"body":"that primary income and they lose"},{"speaker":"Average Joe Finances","startTime":2297.602,"endTime":2301.085,"body":"their home, they lose everything."},{"speaker":"Average Joe Finances","startTime":2301.114,"endTime":2302.824,"body":"So definitely something to think about."},{"speaker":"Average Joe Finances","startTime":2302.824,"endTime":2304.504,"body":"Definitely something to chew on, for sure."},{"speaker":"Average Joe Finances","startTime":2304.585,"endTime":2307.875,"body":"So speaking of that, do you"},{"speaker":"Average Joe Finances","startTime":2304.585,"endTime":2307.875,"body":"have any tips or tricks that you"},{"speaker":"Average Joe Finances","startTime":2307.875,"endTime":2310.625,"body":"would recommend to someone that"},{"speaker":"Average Joe Finances","startTime":2307.875,"endTime":2310.625,"body":"is just getting started today?"},{"speaker":"Tony Bradshaw","startTime":2310.848,"endTime":2314.563,"body":"Yeah, probably the biggest"},{"speaker":"Tony Bradshaw","startTime":2310.848,"endTime":2314.563,"body":"one is to get around like-minded people."},{"speaker":"Tony Bradshaw","startTime":2314.591,"endTime":2317.711,"body":"If you wanna go build some wealth,"},{"speaker":"Tony Bradshaw","startTime":2314.591,"endTime":2317.711,"body":"the best thing you can do is"},{"speaker":"Tony Bradshaw","startTime":2317.711,"endTime":2320.358,"body":"get around somebody else that's"},{"speaker":"Tony Bradshaw","startTime":2317.711,"endTime":2320.358,"body":"trying to build wealth and grow."},{"speaker":"Tony Bradshaw","startTime":2320.372,"endTime":2321.785,"body":"And if you can figure that on your own."},{"speaker":"Tony Bradshaw","startTime":2322.025,"endTime":2324.987,"body":"Now the sad thing is the majority"},{"speaker":"Tony Bradshaw","startTime":2322.025,"endTime":2324.987,"body":"of people that we hang out with,"},{"speaker":"Tony Bradshaw","startTime":2324.987,"endTime":2327.867,"body":"the people that we went to high"},{"speaker":"Tony Bradshaw","startTime":2324.987,"endTime":2327.867,"body":"school with, the people that we work"},{"speaker":"Tony Bradshaw","startTime":2327.867,"endTime":2329.14,"body":"with, they're not building wealth."},{"speaker":"Tony Bradshaw","startTime":2329.167,"endTime":2333.304,"body":"80% of roughly 80% probably with this,"},{"speaker":"Tony Bradshaw","startTime":2329.167,"endTime":2333.304,"body":"what's going on with the economy right now"},{"speaker":"Tony Bradshaw","startTime":2333.304,"endTime":2334.724,"body":"are probably living paycheck to paycheck."},{"speaker":"Tony Bradshaw","startTime":2334.752,"endTime":2338.532,"body":"I think the real statistics that are"},{"speaker":"Tony Bradshaw","startTime":2334.752,"endTime":2338.532,"body":"published are like 72, 75%, but I"},{"speaker":"Tony Bradshaw","startTime":2338.532,"endTime":2341.412,"body":"believe that number's much higher right"},{"speaker":"Tony Bradshaw","startTime":2338.532,"endTime":2341.412,"body":"now just because of the gas prices"},{"speaker":"Tony Bradshaw","startTime":2341.417,"endTime":2342.522,"body":"and everything else that's going on."},{"speaker":"Tony Bradshaw","startTime":2342.549,"endTime":2344.892,"body":"But if you're hanging out with"},{"speaker":"Tony Bradshaw","startTime":2342.549,"endTime":2344.892,"body":"broke people, you're gonna be broke."},{"speaker":"Tony Bradshaw","startTime":2345.045,"endTime":2346.395,"body":"It's just a sad fact."},{"speaker":"Tony Bradshaw","startTime":2346.395,"endTime":2349.785,"body":"So you have to change the people"},{"speaker":"Tony Bradshaw","startTime":2346.395,"endTime":2349.785,"body":"that you're around, change the"},{"speaker":"Tony Bradshaw","startTime":2349.785,"endTime":2350.835,"body":"people you're hanging out with."},{"speaker":"Tony Bradshaw","startTime":2350.862,"endTime":2353.155,"body":"Their investment group is"},{"speaker":"Tony Bradshaw","startTime":2350.862,"endTime":2353.155,"body":"pretty much all over America."},{"speaker":"Tony Bradshaw","startTime":2353.155,"endTime":2355.312,"body":"If there's not one in your"},{"speaker":"Tony Bradshaw","startTime":2353.155,"endTime":2355.312,"body":"area, go find one online."},{"speaker":"Tony Bradshaw","startTime":2355.362,"endTime":2358.812,"body":"The whole thing with the Game stop and"},{"speaker":"Tony Bradshaw","startTime":2355.362,"endTime":2358.812,"body":"all that, with Wall Street Bets on Reddit."},{"speaker":"Tony Bradshaw","startTime":2358.879,"endTime":2361.459,"body":"I had a guy, a friend of mine"},{"speaker":"Tony Bradshaw","startTime":2358.879,"endTime":2361.459,"body":"that was in a group like that"},{"speaker":"Tony Bradshaw","startTime":2361.489,"endTime":2363.109,"body":"and he made first year investing."},{"speaker":"Tony Bradshaw","startTime":2363.109,"endTime":2364.219,"body":"He made 1,200%."},{"speaker":"Tony Bradshaw","startTime":2364.222,"endTime":2367.063,"body":"And it was because he was hanging out"},{"speaker":"Tony Bradshaw","startTime":2364.222,"endTime":2367.063,"body":"in one of those groups and made two"},{"speaker":"Tony Bradshaw","startTime":2367.063,"endTime":2368.663,"body":"investments that they recommended."},{"speaker":"Tony Bradshaw","startTime":2368.696,"endTime":2372.599,"body":"And he got 1,200% on $6,000,"},{"speaker":"Tony Bradshaw","startTime":2368.696,"endTime":2372.599,"body":"so that's not too bad."},{"speaker":"Average Joe Finances","startTime":2373.069,"endTime":2374.209,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":2374.276,"endTime":2378.469,"body":"No, I love that because I am a huge fan"},{"speaker":"Average Joe Finances","startTime":2374.276,"endTime":2378.469,"body":"of networking and I talk about a lot"},{"speaker":"Average Joe Finances","startTime":2378.474,"endTime":2382.21,"body":"on this podcast too, about surrounding"},{"speaker":"Average Joe Finances","startTime":2378.474,"endTime":2382.21,"body":"yourself with like-minded people."},{"speaker":"Average Joe Finances","startTime":2382.24,"endTime":2385.533,"body":"Similar to what you just said, that, if"},{"speaker":"Average Joe Finances","startTime":2382.24,"endTime":2385.533,"body":"you're hanging out with five millionaires,"},{"speaker":"Average Joe Finances","startTime":2385.593,"endTime":2386.843,"body":"you're gonna be the sixth one."},{"speaker":"Average Joe Finances","startTime":2386.914,"endTime":2388.287,"body":"Because that stuff rubs off."},{"speaker":"Average Joe Finances","startTime":2388.287,"endTime":2392.007,"body":"It's something that will keep motivating"},{"speaker":"Average Joe Finances","startTime":2388.287,"endTime":2392.007,"body":"you and pushing you to keep going."},{"speaker":"Average Joe Finances","startTime":2392.007,"endTime":2392.682,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":2392.703,"endTime":2394.803,"body":"All right, Tony, so the final"},{"speaker":"Average Joe Finances","startTime":2392.703,"endTime":2394.803,"body":"question in the final round."},{"speaker":"Average Joe Finances","startTime":2394.803,"endTime":2396.153,"body":"This is an opinion based one."},{"speaker":"Average Joe Finances","startTime":2396.166,"endTime":2400.096,"body":"And I'm gonna preface it with, besides"},{"speaker":"Average Joe Finances","startTime":2396.166,"endTime":2400.096,"body":"your own, do you have a favorite"},{"speaker":"Average Joe Finances","startTime":2400.101,"endTime":2404.658,"body":"business investing or real estate"},{"speaker":"Average Joe Finances","startTime":2400.101,"endTime":2404.658,"body":"related book or podcast or both?"},{"speaker":"Tony Bradshaw","startTime":2404.753,"endTime":2406.373,"body":"Yeah, I'm gonna"},{"speaker":"Tony Bradshaw","startTime":2404.753,"endTime":2406.373,"body":"give you a couple of things."},{"speaker":"Tony Bradshaw","startTime":2406.431,"endTime":2410.031,"body":"One, a book I'm going through right"},{"speaker":"Tony Bradshaw","startTime":2406.431,"endTime":2410.031,"body":"now, which I wish everybody in"},{"speaker":"Tony Bradshaw","startTime":2410.031,"endTime":2413.811,"body":"America would read, like it's, I"},{"speaker":"Tony Bradshaw","startTime":2410.031,"endTime":2413.811,"body":"think it is that important of a book."},{"speaker":"Tony Bradshaw","startTime":2413.844,"endTime":2415.344,"body":"I recommend you do it on audio book."},{"speaker":"Tony Bradshaw","startTime":2415.974,"endTime":2416.244,"body":"Okay."},{"speaker":"Tony Bradshaw","startTime":2416.544,"endTime":2418.342,"body":"Because it's a very long book."},{"speaker":"Tony Bradshaw","startTime":2418.357,"endTime":2419.017,"body":"It's a very long book."},{"speaker":"Tony Bradshaw","startTime":2419.047,"endTime":2421.597,"body":"It's called The Creature"},{"speaker":"Tony Bradshaw","startTime":2419.047,"endTime":2421.597,"body":"from Jekyll Island by G."},{"speaker":"Tony Bradshaw","startTime":2421.597,"endTime":2422.497,"body":"Edward Griffin."},{"speaker":"Tony Bradshaw","startTime":2422.616,"endTime":2425.136,"body":"And I'm not going to give the"},{"speaker":"Tony Bradshaw","startTime":2422.616,"endTime":2425.136,"body":"secrets of it away of what it is."},{"speaker":"Tony Bradshaw","startTime":2425.136,"endTime":2430.222,"body":"But if you read that book or listen to"},{"speaker":"Tony Bradshaw","startTime":2425.136,"endTime":2430.222,"body":"that book on audio, you will be blown away"},{"speaker":"Tony Bradshaw","startTime":2430.246,"endTime":2431.751,"body":"by the material that's contained in it."},{"speaker":"Tony Bradshaw","startTime":2431.765,"endTime":2432.57,"body":"I'll go out there and say that."},{"speaker":"Tony Bradshaw","startTime":2432.81,"endTime":2435.076,"body":"If I'm wrong, email me and"},{"speaker":"Tony Bradshaw","startTime":2432.81,"endTime":2435.076,"body":"text me and tell me I'm wrong."},{"speaker":"Tony Bradshaw","startTime":2435.076,"endTime":2435.356,"body":"Okay."},{"speaker":"Tony Bradshaw","startTime":2435.37,"endTime":2436.515,"body":"But it'll blow your mind."},{"speaker":"Tony Bradshaw","startTime":2436.515,"endTime":2437.415,"body":"It'll blow your mind."},{"speaker":"Tony Bradshaw","startTime":2437.415,"endTime":2440.325,"body":"And I've had this book on my shelf for"},{"speaker":"Tony Bradshaw","startTime":2437.415,"endTime":2440.325,"body":"a while, but I'll tell you right now,"},{"speaker":"Tony Bradshaw","startTime":2440.325,"endTime":2443.74,"body":"most everybody I'm talking to that, that"},{"speaker":"Tony Bradshaw","startTime":2440.325,"endTime":2443.74,"body":"come on my podcast right now, are talking"},{"speaker":"Tony Bradshaw","startTime":2443.74,"endTime":2445.24,"body":"about that book or bringing that book up."},{"speaker":"Tony Bradshaw","startTime":2445.3,"endTime":2447.848,"body":"As I would say, maybe not"},{"speaker":"Tony Bradshaw","startTime":2445.3,"endTime":2447.848,"body":"everybody, but maybe 30%."},{"speaker":"Tony Bradshaw","startTime":2447.895,"endTime":2448.885,"body":"That's a big one for me."},{"speaker":"Tony Bradshaw","startTime":2448.974,"endTime":2452.653,"body":"Robert Kiyosaki is a book that keep rich"},{"speaker":"Tony Bradshaw","startTime":2448.974,"endTime":2452.653,"body":"Dad, poor Dad is a book that a lot of."},{"speaker":"Tony Bradshaw","startTime":2452.908,"endTime":2454.265,"body":"People are coming out."},{"speaker":"Tony Bradshaw","startTime":2454.265,"endTime":2458.255,"body":"I think the two books I see that pop"},{"speaker":"Tony Bradshaw","startTime":2454.265,"endTime":2458.255,"body":"up the most in financial world would be"},{"speaker":"Tony Bradshaw","startTime":2458.255,"endTime":2462.222,"body":"like Dave Ramsey's Told Money Makeover"},{"speaker":"Tony Bradshaw","startTime":2458.255,"endTime":2462.222,"body":"or Robert Kiyosaki's, rich Dad, poor Dad."},{"speaker":"Tony Bradshaw","startTime":2462.522,"endTime":2465.321,"body":"And those two are some of the"},{"speaker":"Tony Bradshaw","startTime":2462.522,"endTime":2465.321,"body":"biggest financial books out there."},{"speaker":"Tony Bradshaw","startTime":2465.386,"endTime":2467.846,"body":"I like Robert's material"},{"speaker":"Tony Bradshaw","startTime":2465.386,"endTime":2467.846,"body":"just cuz it's so wealth Mind."},{"speaker":"Tony Bradshaw","startTime":2467.87,"endTime":2470.543,"body":"Now I didn't build my wealth the"},{"speaker":"Tony Bradshaw","startTime":2467.87,"endTime":2470.543,"body":"way that Robert teaches, but I"},{"speaker":"Tony Bradshaw","startTime":2470.543,"endTime":2473.106,"body":"know a lot of people that did,"},{"speaker":"Tony Bradshaw","startTime":2470.543,"endTime":2473.106,"body":"and so that would be another one."},{"speaker":"Tony Bradshaw","startTime":2473.106,"endTime":2476.774,"body":"I like the Millionaires Unveiled podcast"},{"speaker":"Tony Bradshaw","startTime":2473.106,"endTime":2476.774,"body":"with Jay Mattson and some other guys."},{"speaker":"Tony Bradshaw","startTime":2476.774,"endTime":2478.604,"body":"Their podcast is very inspirational."},{"speaker":"Tony Bradshaw","startTime":2478.604,"endTime":2480.874,"body":"They interview millionaires and"},{"speaker":"Tony Bradshaw","startTime":2478.604,"endTime":2480.874,"body":"talk about net worth and just"},{"speaker":"Tony Bradshaw","startTime":2480.874,"endTime":2481.954,"body":"really share those stories."},{"speaker":"Tony Bradshaw","startTime":2481.954,"endTime":2484.98,"body":"And I think that's so important for"},{"speaker":"Tony Bradshaw","startTime":2481.954,"endTime":2484.98,"body":"people to hear every day because"},{"speaker":"Tony Bradshaw","startTime":2484.98,"endTime":2486.42,"body":"you're hearing from everyday people."},{"speaker":"Tony Bradshaw","startTime":2486.69,"endTime":2490.457,"body":"Some of them might have 20 million net"},{"speaker":"Tony Bradshaw","startTime":2486.69,"endTime":2490.457,"body":"worth, others might be, 1.2 million,"},{"speaker":"Tony Bradshaw","startTime":2490.497,"endTime":2493.278,"body":"but they're people that are, Like us"},{"speaker":"Tony Bradshaw","startTime":2490.497,"endTime":2493.278,"body":"have come from lower income families"},{"speaker":"Tony Bradshaw","startTime":2493.278,"endTime":2497.296,"body":"or broken families and done something"},{"speaker":"Tony Bradshaw","startTime":2493.278,"endTime":2497.296,"body":"different and been inspired and gotten"},{"speaker":"Tony Bradshaw","startTime":2497.296,"endTime":2500.356,"body":"there and Jason and them do a really"},{"speaker":"Tony Bradshaw","startTime":2497.296,"endTime":2500.356,"body":"good job of communicating that and"},{"speaker":"Tony Bradshaw","startTime":2500.356,"endTime":2501.466,"body":"letting people share their stories."},{"speaker":"Average Joe Finances","startTime":2501.616,"endTime":2502.606,"body":"That's great."},{"speaker":"Average Joe Finances","startTime":2502.606,"endTime":2503.534,"body":"Recommendations."},{"speaker":"Average Joe Finances","startTime":2503.534,"endTime":2504.735,"body":"I love Rich Dad, poor Dad."},{"speaker":"Average Joe Finances","startTime":2504.735,"endTime":2505.905,"body":"It's one of my favorite books."},{"speaker":"Average Joe Finances","startTime":2505.944,"endTime":2508.056,"body":"And definitely gonna check"},{"speaker":"Average Joe Finances","startTime":2505.944,"endTime":2508.056,"body":"out that podcast as well."},{"speaker":"Average Joe Finances","startTime":2508.056,"endTime":2509.676,"body":"It definitely sounds"},{"speaker":"Average Joe Finances","startTime":2508.056,"endTime":2509.676,"body":"like right up my alley."},{"speaker":"Average Joe Finances","startTime":2509.742,"endTime":2512.952,"body":"I love listening to stuff like that,"},{"speaker":"Average Joe Finances","startTime":2509.742,"endTime":2512.952,"body":"especially when you get to hear"},{"speaker":"Average Joe Finances","startTime":2512.952,"endTime":2516.362,"body":"people share their story and you"},{"speaker":"Average Joe Finances","startTime":2512.952,"endTime":2516.362,"body":"realize that, Hey, they came up the,"},{"speaker":"Average Joe Finances","startTime":2516.38,"endTime":2519.36,"body":"similar stories came up the same"},{"speaker":"Average Joe Finances","startTime":2516.38,"endTime":2519.36,"body":"way and look at what they're doing."},{"speaker":"Average Joe Finances","startTime":2519.36,"endTime":2520.705,"body":"It's absolutely awesome."},{"speaker":"Average Joe Finances","startTime":2520.705,"endTime":2522.97,"body":"So I definitely appreciate"},{"speaker":"Average Joe Finances","startTime":2520.705,"endTime":2522.97,"body":"you sharing that with us."},{"speaker":"Average Joe Finances","startTime":2522.97,"endTime":2524.532,"body":"Now I have one more question for you."},{"speaker":"Average Joe Finances","startTime":2524.532,"endTime":2526.392,"body":"The final round is done, but"},{"speaker":"Average Joe Finances","startTime":2524.532,"endTime":2526.392,"body":"I have one more question."},{"speaker":"Average Joe Finances","startTime":2526.392,"endTime":2529.152,"body":"It's the most important question of"},{"speaker":"Average Joe Finances","startTime":2526.392,"endTime":2529.152,"body":"all, because the people that are sitting"},{"speaker":"Average Joe Finances","startTime":2529.152,"endTime":2532.861,"body":"here listening saying, Hey, I really"},{"speaker":"Average Joe Finances","startTime":2529.152,"endTime":2532.861,"body":"you know what Tony's talking about."},{"speaker":"Average Joe Finances","startTime":2532.861,"endTime":2534.421,"body":"I wanna know more about him."},{"speaker":"Average Joe Finances","startTime":2534.781,"endTime":2536.371,"body":"I wanna know more about what he's doing."},{"speaker":"Average Joe Finances","startTime":2536.371,"endTime":2538.015,"body":"So if you could you share with us?"},{"speaker":"Average Joe Finances","startTime":2538.335,"endTime":2541.255,"body":"Where can people find more"},{"speaker":"Average Joe Finances","startTime":2538.335,"endTime":2541.255,"body":"information about you?"},{"speaker":"Average Joe Finances","startTime":2541.255,"endTime":2543.372,"body":"Do you have a website, social"},{"speaker":"Average Joe Finances","startTime":2541.255,"endTime":2543.372,"body":"media, or anything like that"},{"speaker":"Average Joe Finances","startTime":2543.372,"endTime":2544.182,"body":"you could share with us?"},{"speaker":"Tony Bradshaw","startTime":2544.39,"endTime":2546.58,"body":"Yeah, so I'm on"},{"speaker":"Tony Bradshaw","startTime":2544.39,"endTime":2546.58,"body":"all the social media platforms,"},{"speaker":"Tony Bradshaw","startTime":2546.58,"endTime":2549.39,"body":"or at least all the big ones, so"},{"speaker":"Tony Bradshaw","startTime":2546.58,"endTime":2549.39,"body":"feel free to check me out there."},{"speaker":"Tony Bradshaw","startTime":2549.39,"endTime":2552.31,"body":"It's either gonna, you'll find either"},{"speaker":"Tony Bradshaw","startTime":2549.39,"endTime":2552.31,"body":"Under The Millionaire Choice or Tony"},{"speaker":"Tony Bradshaw","startTime":2552.315,"endTime":2556.45,"body":"Bradshaw or combination thereof Facebook,"},{"speaker":"Tony Bradshaw","startTime":2552.315,"endTime":2556.45,"body":"Instagram the two primary websites"},{"speaker":"Tony Bradshaw","startTime":2556.45,"endTime":2559.57,"body":"I'm using where I have most of my"},{"speaker":"Tony Bradshaw","startTime":2556.45,"endTime":2559.57,"body":"materials at themillionairechoice.com."},{"speaker":"Tony Bradshaw","startTime":2559.594,"endTime":2562.196,"body":"You can go there and get my"},{"speaker":"Tony Bradshaw","startTime":2559.594,"endTime":2562.196,"body":"book for free on ebook format."},{"speaker":"Tony Bradshaw","startTime":2562.646,"endTime":2565.196,"body":"If you wanna buy it, a paperback,"},{"speaker":"Tony Bradshaw","startTime":2562.646,"endTime":2565.196,"body":"go pick it up from Amazon."},{"speaker":"Tony Bradshaw","startTime":2565.277,"endTime":2568.247,"body":"The other thing that I do that I think a"},{"speaker":"Tony Bradshaw","startTime":2565.277,"endTime":2568.247,"body":"lot of people don't do out there is I've"},{"speaker":"Tony Bradshaw","startTime":2568.247,"endTime":2572.007,"body":"really set aside an hour of my day to just"},{"speaker":"Tony Bradshaw","startTime":2568.247,"endTime":2572.007,"body":"talk to people who wanna talk about money."},{"speaker":"Tony Bradshaw","startTime":2572.152,"endTime":2573.832,"body":"So I do one hour of free coaching."},{"speaker":"Tony Bradshaw","startTime":2573.832,"endTime":2577.072,"body":"If anybody wants to go sign up, you can"},{"speaker":"Tony Bradshaw","startTime":2573.832,"endTime":2577.072,"body":"just go find that link on my website."},{"speaker":"Tony Bradshaw","startTime":2577.145,"endTime":2580.033,"body":"Say Free Money Mentor session"},{"speaker":"Tony Bradshaw","startTime":2577.145,"endTime":2580.033,"body":"life Money mentor session."},{"speaker":"Tony Bradshaw","startTime":2580.393,"endTime":2581.653,"body":"So you can go book that."},{"speaker":"Tony Bradshaw","startTime":2581.653,"endTime":2583.603,"body":"And that's only at"},{"speaker":"Tony Bradshaw","startTime":2581.653,"endTime":2583.603,"body":"themillionairechoice.com is the"},{"speaker":"Tony Bradshaw","startTime":2583.608,"endTime":2584.743,"body":"only place you can book that."},{"speaker":"Tony Bradshaw","startTime":2584.743,"endTime":2585.538,"body":"So go there to book it."},{"speaker":"Tony Bradshaw","startTime":2585.913,"endTime":2587.714,"body":"But tonybradshaw.com as well."},{"speaker":"Tony Bradshaw","startTime":2587.714,"endTime":2590.711,"body":"I've got a lot of material over"},{"speaker":"Tony Bradshaw","startTime":2587.714,"endTime":2590.711,"body":"there, but yeah that's where I'm at."},{"speaker":"Tony Bradshaw","startTime":2590.831,"endTime":2592.431,"body":"If you wanna talk more find stuff in."},{"speaker":"Tony Bradshaw","startTime":2592.431,"endTime":2595.212,"body":"But I try to I really wanna get free"},{"speaker":"Tony Bradshaw","startTime":2592.431,"endTime":2595.212,"body":"material into everybody's hands."},{"speaker":"Tony Bradshaw","startTime":2595.212,"endTime":2598.572,"body":"I can, so I try to make as much of"},{"speaker":"Tony Bradshaw","startTime":2595.212,"endTime":2598.572,"body":"this stuff available for free as I can."},{"speaker":"Tony Bradshaw","startTime":2598.872,"endTime":2600.562,"body":"At the millionairechoice.com."},{"speaker":"Average Joe Finances","startTime":2600.937,"endTime":2601.657,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":2601.657,"endTime":2602.557,"body":"Thank you so much, Tony."},{"speaker":"Average Joe Finances","startTime":2602.557,"endTime":2605.707,"body":"Thank you for sharing that with us and"},{"speaker":"Average Joe Finances","startTime":2602.557,"endTime":2605.707,"body":"thank you so much for joining me on"},{"speaker":"Average Joe Finances","startTime":2605.707,"endTime":2607.162,"body":"the show today, man this was awesome."},{"speaker":"Tony Bradshaw","startTime":2607.195,"endTime":2608.455,"body":"Yeah, Thanks"},{"speaker":"Tony Bradshaw","startTime":2607.195,"endTime":2608.455,"body":"for having me on, Mike."},{"speaker":"Average Joe Finances","startTime":2608.665,"endTime":2609.475,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":2609.48,"endTime":2613.555,"body":"And to my listeners, thanks for joining"},{"speaker":"Average Joe Finances","startTime":2609.48,"endTime":2613.555,"body":"me and our special guest, Tony Bradshaw,"},{"speaker":"Average Joe Finances","startTime":2613.585,"endTime":2615.595,"body":"on the Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":2615.985,"endTime":2618.585,"body":"Go leave us a five star review"},{"speaker":"Average Joe Finances","startTime":2615.985,"endTime":2618.585,"body":"and tell us what you liked"},{"speaker":"Average Joe Finances","startTime":2618.585,"endTime":2620.67,"body":"about today's episode with Tony."},{"speaker":"Average Joe Finances","startTime":2620.735,"endTime":2623.315,"body":"Aloha from Hawaii and have"},{"speaker":"Average Joe Finances","startTime":2620.735,"endTime":2623.315,"body":"a great rest of your day."}]}