{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.2,"endTime":2.75,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":0.2,"endTime":2.75,"body":"to the Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":2.78,"endTime":7.17,"body":"I'm your host, Mike Cavaggioni, and"},{"speaker":"Average Joe Finances","startTime":2.78,"endTime":7.17,"body":"today's guest is Brighton Gbarazia."},{"speaker":"Average Joe Finances","startTime":7.189,"endTime":9.65,"body":"So Brighton, super excited"},{"speaker":"Average Joe Finances","startTime":7.189,"endTime":9.65,"body":"to have you on the show."},{"speaker":"Average Joe Finances","startTime":9.93,"endTime":10.842,"body":"Thanks for joining me."},{"speaker":"Brighton Gbarazia","startTime":11.042,"endTime":11.492,"body":"Thanks, Mike."},{"speaker":"Brighton Gbarazia","startTime":11.497,"endTime":12.302,"body":"Thanks for having me on."},{"speaker":"Brighton Gbarazia","startTime":12.302,"endTime":13.022,"body":"Excited to be on."},{"speaker":"Average Joe Finances","startTime":13.202,"endTime":14.012,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":14.017,"endTime":16.742,"body":"Hey I know we were talking a"},{"speaker":"Average Joe Finances","startTime":14.017,"endTime":16.742,"body":"little bit off camera, but I want"},{"speaker":"Average Joe Finances","startTime":16.742,"endTime":20.882,"body":"to talk a little bit more about"},{"speaker":"Average Joe Finances","startTime":16.742,"endTime":20.882,"body":"who you are, what you're doing."},{"speaker":"Average Joe Finances","startTime":20.882,"endTime":22.592,"body":"Give the audience a good understanding."},{"speaker":"Average Joe Finances","startTime":22.862,"endTime":24.632,"body":"Who is Brighton Gbarazia?"},{"speaker":"Brighton Gbarazia","startTime":24.982,"endTime":25.402,"body":"Sure."},{"speaker":"Brighton Gbarazia","startTime":25.916,"endTime":27.311,"body":"So I'm Brighton Gbarazia."},{"speaker":"Brighton Gbarazia","startTime":27.311,"endTime":31.139,"body":"I'm a financial coach also founder"},{"speaker":"Brighton Gbarazia","startTime":27.311,"endTime":31.139,"body":"of Wealth Marathon and a licensed"},{"speaker":"Brighton Gbarazia","startTime":31.139,"endTime":32.489,"body":"a mortgage broker out in Canada."},{"speaker":"Brighton Gbarazia","startTime":32.489,"endTime":33.92,"body":"So I'm based out in Vancouver."},{"speaker":"Brighton Gbarazia","startTime":33.939,"endTime":36.101,"body":"So that's what I've been"},{"speaker":"Brighton Gbarazia","startTime":33.939,"endTime":36.101,"body":"doing last couple of years."},{"speaker":"Brighton Gbarazia","startTime":36.131,"endTime":39.071,"body":"Prior to that, I worked"},{"speaker":"Brighton Gbarazia","startTime":36.131,"endTime":39.071,"body":"basically for all the top banks"},{"speaker":"Brighton Gbarazia","startTime":39.071,"endTime":41.051,"body":"in Canada doing underwriting."},{"speaker":"Brighton Gbarazia","startTime":41.051,"endTime":44.436,"body":"So whether it's auto owner writing,"},{"speaker":"Brighton Gbarazia","startTime":41.051,"endTime":44.436,"body":"mortgage underwriting, Pretty much any"},{"speaker":"Brighton Gbarazia","startTime":44.436,"endTime":47.496,"body":"kind of underwriting you can think of I've"},{"speaker":"Brighton Gbarazia","startTime":44.436,"endTime":47.496,"body":"pretty much touched it at the bank world."},{"speaker":"Brighton Gbarazia","startTime":47.826,"endTime":50.617,"body":"So I bring all those knowledge"},{"speaker":"Brighton Gbarazia","startTime":47.826,"endTime":50.617,"body":"together and then I help my clients"},{"speaker":"Brighton Gbarazia","startTime":50.617,"endTime":53.617,"body":"in terms of financial coaching,"},{"speaker":"Brighton Gbarazia","startTime":50.617,"endTime":53.617,"body":"probably looking to do real estate."},{"speaker":"Brighton Gbarazia","startTime":53.617,"endTime":56.953,"body":"I help out with the financing side of"},{"speaker":"Brighton Gbarazia","startTime":53.617,"endTime":56.953,"body":"it cause I'm a licensed mortgage broker."},{"speaker":"Brighton Gbarazia","startTime":56.968,"endTime":59.271,"body":"But yeah, my next little"},{"speaker":"Brighton Gbarazia","startTime":56.968,"endTime":59.271,"body":"project here is being focused"},{"speaker":"Brighton Gbarazia","startTime":59.271,"endTime":60.765,"body":"on building, wealth marathon."},{"speaker":"Brighton Gbarazia","startTime":60.77,"endTime":63.165,"body":"So that's what I do most of my time now."},{"speaker":"Brighton Gbarazia","startTime":63.195,"endTime":66.725,"body":"And also doing my normal real estate"},{"speaker":"Brighton Gbarazia","startTime":63.195,"endTime":66.725,"body":"deals that I do on the site as well."},{"speaker":"Average Joe Finances","startTime":66.843,"endTime":67.533,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":67.563,"endTime":68.503,"body":"Like what a great background."},{"speaker":"Average Joe Finances","startTime":68.526,"endTime":70.836,"body":"And I don't think, when we were talking"},{"speaker":"Average Joe Finances","startTime":68.526,"endTime":70.836,"body":"off camera, you mentioned that you were"},{"speaker":"Average Joe Finances","startTime":70.836,"endTime":73.598,"body":"a financial coach as well, so that's"},{"speaker":"Average Joe Finances","startTime":70.836,"endTime":73.598,"body":"awesome cause I'm also a financial coach."},{"speaker":"Average Joe Finances","startTime":73.958,"endTime":75.578,"body":"So maybe we could talk more Yeah."},{"speaker":"Average Joe Finances","startTime":75.968,"endTime":79.028,"body":"Share some ideas about that after"},{"speaker":"Average Joe Finances","startTime":75.968,"endTime":79.028,"body":"this, but No, that, that's awesome."},{"speaker":"Average Joe Finances","startTime":79.028,"endTime":79.388,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":79.455,"endTime":82.091,"body":"And it's cool because like you're"},{"speaker":"Average Joe Finances","startTime":79.455,"endTime":82.091,"body":"a financial coach, but then you're"},{"speaker":"Average Joe Finances","startTime":82.091,"endTime":84.135,"body":"also a, licensed mortgage broker."},{"speaker":"Average Joe Finances","startTime":84.555,"endTime":86.625,"body":"And I'm a financial coach,"},{"speaker":"Average Joe Finances","startTime":84.555,"endTime":86.625,"body":"but I'm also a licensed real"},{"speaker":"Average Joe Finances","startTime":86.625,"endTime":88.038,"body":"estate agent out here in Hawaii."},{"speaker":"Average Joe Finances","startTime":88.043,"endTime":91.987,"body":"So it's like we're both on two different"},{"speaker":"Average Joe Finances","startTime":88.043,"endTime":91.987,"body":"sides of the real estate spectrum."},{"speaker":"Average Joe Finances","startTime":92.087,"endTime":95.807,"body":"So I'm curious though, like when"},{"speaker":"Average Joe Finances","startTime":92.087,"endTime":95.807,"body":"you were, like, when you're coaching"},{"speaker":"Average Joe Finances","startTime":95.807,"endTime":99.247,"body":"your clients and stuff, Do you"},{"speaker":"Average Joe Finances","startTime":95.807,"endTime":99.247,"body":"focus more on the real estate side?"},{"speaker":"Average Joe Finances","startTime":99.649,"endTime":102.643,"body":"cause when I talk to them about, once they"},{"speaker":"Average Joe Finances","startTime":99.649,"endTime":102.643,"body":"get themselves to a good place and they're"},{"speaker":"Average Joe Finances","startTime":102.643,"endTime":106.27,"body":"ready to start doing something with their"},{"speaker":"Average Joe Finances","startTime":102.643,"endTime":106.27,"body":"money, I always say real estate should be"},{"speaker":"Average Joe Finances","startTime":106.27,"endTime":110.596,"body":"a very big consideration for building your"},{"speaker":"Average Joe Finances","startTime":106.27,"endTime":110.596,"body":"wealth depending on what you wanna do is"},{"speaker":"Average Joe Finances","startTime":110.596,"endTime":112.306,"body":"that kind of the same route that you go?"},{"speaker":"Average Joe Finances","startTime":112.306,"endTime":112.996,"body":"or anything else?"},{"speaker":"Brighton Gbarazia","startTime":113.036,"endTime":115.628,"body":"Yeah, I think"},{"speaker":"Brighton Gbarazia","startTime":113.036,"endTime":115.628,"body":"it's the same too for me, Mike."},{"speaker":"Brighton Gbarazia","startTime":115.628,"endTime":119.798,"body":"I think what I usually do is it depends"},{"speaker":"Brighton Gbarazia","startTime":115.628,"endTime":119.798,"body":"how people get in touch with me first."},{"speaker":"Brighton Gbarazia","startTime":119.803,"endTime":123.518,"body":"So some people may just get in"},{"speaker":"Brighton Gbarazia","startTime":119.803,"endTime":123.518,"body":"touch with me on the coaching side,"},{"speaker":"Brighton Gbarazia","startTime":123.908,"endTime":126.818,"body":"and then naturally they find out"},{"speaker":"Brighton Gbarazia","startTime":123.908,"endTime":126.818,"body":"I'm also licensed mortgage broker."},{"speaker":"Brighton Gbarazia","startTime":126.818,"endTime":128.228,"body":"And then real estate always comes up."},{"speaker":"Brighton Gbarazia","startTime":128.528,"endTime":132.206,"body":"And as like real estate is such a big part"},{"speaker":"Brighton Gbarazia","startTime":128.528,"endTime":132.206,"body":"of everyone's finance because it makes up"},{"speaker":"Brighton Gbarazia","startTime":132.206,"endTime":133.916,"body":"a huge percentage of people's net worth."},{"speaker":"Brighton Gbarazia","startTime":134.366,"endTime":137.516,"body":"So real estate at some point will"},{"speaker":"Brighton Gbarazia","startTime":134.366,"endTime":137.516,"body":"come up in any kind of financial"},{"speaker":"Brighton Gbarazia","startTime":137.696,"endTime":139.208,"body":"discussion you're talking about."},{"speaker":"Brighton Gbarazia","startTime":139.256,"endTime":141.836,"body":"But yeah, it depends what child,"},{"speaker":"Brighton Gbarazia","startTime":139.256,"endTime":141.836,"body":"they're first come in contact with me."},{"speaker":"Brighton Gbarazia","startTime":141.836,"endTime":144.956,"body":"If I have a client that came to"},{"speaker":"Brighton Gbarazia","startTime":141.836,"endTime":144.956,"body":"me just from the strip real estate"},{"speaker":"Brighton Gbarazia","startTime":144.956,"endTime":148.445,"body":"side, we start there and then we"},{"speaker":"Brighton Gbarazia","startTime":144.956,"endTime":148.445,"body":"see if they want to broaden their"},{"speaker":"Brighton Gbarazia","startTime":148.445,"endTime":151.968,"body":"financial, picture a little bit more"},{"speaker":"Brighton Gbarazia","startTime":148.445,"endTime":151.968,"body":"and then we go into the coaching side."},{"speaker":"Brighton Gbarazia","startTime":152.358,"endTime":156.204,"body":"So yeah, it depends how they come into"},{"speaker":"Brighton Gbarazia","startTime":152.358,"endTime":156.204,"body":"me and I cannot stay with that lane,"},{"speaker":"Brighton Gbarazia","startTime":156.204,"endTime":158.978,"body":"and then we broaden the lane depending"},{"speaker":"Brighton Gbarazia","startTime":156.204,"endTime":158.978,"body":"if they wanna go further with that."},{"speaker":"Brighton Gbarazia","startTime":159.027,"endTime":161.83,"body":"So I let my clients decide,"},{"speaker":"Brighton Gbarazia","startTime":159.027,"endTime":161.83,"body":"but it's always nice for them"},{"speaker":"Brighton Gbarazia","startTime":161.83,"endTime":163.773,"body":"to know that I am licensed."},{"speaker":"Brighton Gbarazia","startTime":163.803,"endTime":167.523,"body":"Sometimes they forget that I'm licensed"},{"speaker":"Brighton Gbarazia","startTime":163.803,"endTime":167.523,"body":"because I usually do have my financial"},{"speaker":"Brighton Gbarazia","startTime":167.523,"endTime":172.533,"body":"coach first, because to me I promote"},{"speaker":"Brighton Gbarazia","startTime":167.523,"endTime":172.533,"body":"that more often because really I"},{"speaker":"Brighton Gbarazia","startTime":172.533,"endTime":173.973,"body":"want people to be financially secure."},{"speaker":"Brighton Gbarazia","startTime":173.973,"endTime":176.583,"body":"And to me that doesn't mean necessarily"},{"speaker":"Brighton Gbarazia","startTime":173.973,"endTime":176.583,"body":"mean you have to be in real estate."},{"speaker":"Brighton Gbarazia","startTime":176.913,"endTime":180.056,"body":"So I'm really more about,"},{"speaker":"Brighton Gbarazia","startTime":176.913,"endTime":180.056,"body":"how do you get life."},{"speaker":"Brighton Gbarazia","startTime":180.056,"endTime":183.146,"body":"You want that financial independence"},{"speaker":"Brighton Gbarazia","startTime":180.056,"endTime":183.146,"body":"journey you're on and whether"},{"speaker":"Brighton Gbarazia","startTime":183.146,"endTime":185.966,"body":"that real estate is a part of"},{"speaker":"Brighton Gbarazia","startTime":183.146,"endTime":185.966,"body":"that or it's a stock investment,"},{"speaker":"Brighton Gbarazia","startTime":186.236,"endTime":187.526,"body":"I'm really indifferent to that."},{"speaker":"Brighton Gbarazia","startTime":187.706,"endTime":190.856,"body":"So I usually start off there, but at"},{"speaker":"Brighton Gbarazia","startTime":187.706,"endTime":190.856,"body":"the same time, if we start talking, they"},{"speaker":"Brighton Gbarazia","startTime":190.856,"endTime":192.116,"body":"find out, oh, you're actually licensed."},{"speaker":"Brighton Gbarazia","startTime":192.116,"endTime":193.556,"body":"I'm like, yes, I am licensed too."},{"speaker":"Brighton Gbarazia","startTime":193.951,"endTime":195.786,"body":"I can do these deals for"},{"speaker":"Brighton Gbarazia","startTime":193.951,"endTime":195.786,"body":"you if you need that."},{"speaker":"Brighton Gbarazia","startTime":195.793,"endTime":198.068,"body":"And I usually gives them comfort cause"},{"speaker":"Brighton Gbarazia","startTime":195.793,"endTime":198.068,"body":"then they're dealing with someone they"},{"speaker":"Brighton Gbarazia","startTime":198.068,"endTime":201.332,"body":"know and trust and then it's just getting"},{"speaker":"Brighton Gbarazia","startTime":198.068,"endTime":201.332,"body":"the deal done for them around that side."},{"speaker":"Average Joe Finances","startTime":201.432,"endTime":202.091,"body":"Yeah that's awesome."},{"speaker":"Average Joe Finances","startTime":202.091,"endTime":206.156,"body":"Now, so one of the things I wanted to talk"},{"speaker":"Average Joe Finances","startTime":202.091,"endTime":206.156,"body":"to you about specifically so if you come"},{"speaker":"Average Joe Finances","startTime":206.156,"endTime":210.386,"body":"to that empass and they're like, okay,"},{"speaker":"Average Joe Finances","startTime":206.156,"endTime":210.386,"body":"I want to invest in real estate, that's"},{"speaker":"Average Joe Finances","startTime":210.386,"endTime":212.396,"body":"where I wanna put my money to work for me."},{"speaker":"Average Joe Finances","startTime":212.481,"endTime":217.071,"body":"I know the real estate market in"},{"speaker":"Average Joe Finances","startTime":212.481,"endTime":217.071,"body":"Canada is very similar to the real"},{"speaker":"Average Joe Finances","startTime":217.071,"endTime":218.301,"body":"estate market in the US right?"},{"speaker":"Average Joe Finances","startTime":218.301,"endTime":220.341,"body":"We have a lot of similar programs."},{"speaker":"Average Joe Finances","startTime":220.37,"endTime":224.485,"body":"So the way that people invest is"},{"speaker":"Average Joe Finances","startTime":220.37,"endTime":224.485,"body":"very close to the same, right?"},{"speaker":"Average Joe Finances","startTime":224.485,"endTime":224.545,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":224.725,"endTime":227.305,"body":"So one of the questions I wanted to ask"},{"speaker":"Average Joe Finances","startTime":224.725,"endTime":227.305,"body":"you, when you have somebody coming up"},{"speaker":"Average Joe Finances","startTime":227.31,"endTime":233.155,"body":"to you and they decide, okay, I want"},{"speaker":"Average Joe Finances","startTime":227.31,"endTime":233.155,"body":"to buy my first property, I wanna buy"},{"speaker":"Average Joe Finances","startTime":233.395,"endTime":234.91,"body":"my first home, how do you make that?"},{"speaker":"Average Joe Finances","startTime":235.03,"endTime":237.376,"body":"Like, how do you make that"},{"speaker":"Average Joe Finances","startTime":235.03,"endTime":237.376,"body":"purchase the right way."},{"speaker":"Brighton Gbarazia","startTime":237.406,"endTime":238.416,"body":"Great question, mike."},{"speaker":"Brighton Gbarazia","startTime":238.416,"endTime":242.236,"body":"cause you know you probably . We get"},{"speaker":"Brighton Gbarazia","startTime":238.416,"endTime":242.236,"body":"that question quite often I think."},{"speaker":"Brighton Gbarazia","startTime":242.506,"endTime":242.806,"body":"Okay."},{"speaker":"Brighton Gbarazia","startTime":242.806,"endTime":247.756,"body":"So you have to understand I'm sub 35,"},{"speaker":"Brighton Gbarazia","startTime":242.806,"endTime":247.756,"body":"so the demographic that I deal with"},{"speaker":"Brighton Gbarazia","startTime":248.266,"endTime":251.116,"body":"is a little bit different than if I"},{"speaker":"Brighton Gbarazia","startTime":248.266,"endTime":251.116,"body":"have a client who's more seasoned."},{"speaker":"Brighton Gbarazia","startTime":251.223,"endTime":253.023,"body":"That's completely different conversation."},{"speaker":"Brighton Gbarazia","startTime":253.413,"endTime":257.643,"body":"So for my demographic, I think"},{"speaker":"Brighton Gbarazia","startTime":253.413,"endTime":257.643,"body":"what I really try to, and it sounds"},{"speaker":"Brighton Gbarazia","startTime":257.643,"endTime":259.353,"body":"weird, but I really try to make them."},{"speaker":"Brighton Gbarazia","startTime":259.483,"endTime":262.183,"body":"It's really okay to"},{"speaker":"Brighton Gbarazia","startTime":259.483,"endTime":262.183,"body":"take this process slow."},{"speaker":"Brighton Gbarazia","startTime":262.564,"endTime":266.494,"body":"What I try to do with my clients is just"},{"speaker":"Brighton Gbarazia","startTime":262.564,"endTime":266.494,"body":"tell them to slow down this process."},{"speaker":"Brighton Gbarazia","startTime":266.494,"endTime":270.094,"body":"Because when you're buying a home, and"},{"speaker":"Brighton Gbarazia","startTime":266.494,"endTime":270.094,"body":"if you've done it for your first time,"},{"speaker":"Brighton Gbarazia","startTime":270.124,"endTime":274.234,"body":"it's such an emotional rollercoaster"},{"speaker":"Brighton Gbarazia","startTime":270.124,"endTime":274.234,"body":"because you can be buying a home for"},{"speaker":"Brighton Gbarazia","startTime":274.234,"endTime":277.954,"body":"all sorts of reasons that you're not"},{"speaker":"Brighton Gbarazia","startTime":274.234,"endTime":277.954,"body":"emotionally aware of, and then that can"},{"speaker":"Brighton Gbarazia","startTime":277.954,"endTime":279.634,"body":"go into the finance decision, right?"},{"speaker":"Brighton Gbarazia","startTime":279.934,"endTime":283.933,"body":"You could be buying a home for me, I said"},{"speaker":"Brighton Gbarazia","startTime":279.934,"endTime":283.933,"body":"in my book when I was buying my first"},{"speaker":"Brighton Gbarazia","startTime":283.933,"endTime":285.583,"body":"home, I'm an immigrant from Nigeria."},{"speaker":"Brighton Gbarazia","startTime":285.968,"endTime":289.598,"body":"I wanted to be that first family, that"},{"speaker":"Brighton Gbarazia","startTime":285.968,"endTime":289.598,"body":"person in the family that bought the home."},{"speaker":"Brighton Gbarazia","startTime":289.598,"endTime":292.928,"body":"My parents had been renting the whole"},{"speaker":"Brighton Gbarazia","startTime":289.598,"endTime":292.928,"body":"time in Canada, and I didn't like the way"},{"speaker":"Brighton Gbarazia","startTime":292.928,"endTime":296.678,"body":"people looked at us when we said we were"},{"speaker":"Brighton Gbarazia","startTime":292.928,"endTime":296.678,"body":"renting, and that was a huge emotional"},{"speaker":"Brighton Gbarazia","startTime":296.678,"endTime":298.598,"body":"trigger for me to want to buy that home."},{"speaker":"Brighton Gbarazia","startTime":298.898,"endTime":303.214,"body":"So in my case, initially I was using"},{"speaker":"Brighton Gbarazia","startTime":298.898,"endTime":303.214,"body":"it as a way to show my success and"},{"speaker":"Brighton Gbarazia","startTime":303.214,"endTime":305.764,"body":"all these other things that had"},{"speaker":"Brighton Gbarazia","startTime":303.214,"endTime":305.764,"body":"nothing to do with the home really."},{"speaker":"Brighton Gbarazia","startTime":306.149,"endTime":309.869,"body":"So when it comes to people with Sub"},{"speaker":"Brighton Gbarazia","startTime":306.149,"endTime":309.869,"body":"35, I really try to slow down the"},{"speaker":"Brighton Gbarazia","startTime":309.869,"endTime":313.049,"body":"process because they're trying to get"},{"speaker":"Brighton Gbarazia","startTime":309.869,"endTime":313.049,"body":"a home to show themselves that they're"},{"speaker":"Brighton Gbarazia","startTime":313.049,"endTime":314.849,"body":"successful, like the rest of their peers."},{"speaker":"Brighton Gbarazia","startTime":315.239,"endTime":317.159,"body":"And what I try to do is"},{"speaker":"Brighton Gbarazia","startTime":315.239,"endTime":317.159,"body":"just, let's slow this down."},{"speaker":"Brighton Gbarazia","startTime":317.159,"endTime":318.137,"body":"This is an investment."},{"speaker":"Brighton Gbarazia","startTime":318.142,"endTime":319.835,"body":"There's lots of, transaction happen."},{"speaker":"Brighton Gbarazia","startTime":319.835,"endTime":324.545,"body":"This is a long-term purchase that could"},{"speaker":"Brighton Gbarazia","startTime":319.835,"endTime":324.545,"body":"have impact fee for 25 plus years, right?"},{"speaker":"Brighton Gbarazia","startTime":324.725,"endTime":328.295,"body":"So let's take our time with"},{"speaker":"Brighton Gbarazia","startTime":324.725,"endTime":328.295,"body":"it and let's first understand."},{"speaker":"Brighton Gbarazia","startTime":328.6,"endTime":330.46,"body":"What it is that we are buying?"},{"speaker":"Brighton Gbarazia","startTime":330.76,"endTime":332.29,"body":"Where are the expenses related to us?"},{"speaker":"Brighton Gbarazia","startTime":332.35,"endTime":333.7,"body":"How does this asset work?"},{"speaker":"Brighton Gbarazia","startTime":333.97,"endTime":335.39,"body":"And how do you do it properly?"},{"speaker":"Brighton Gbarazia","startTime":335.86,"endTime":339.04,"body":"And then what I usually do with all"},{"speaker":"Brighton Gbarazia","startTime":335.86,"endTime":339.04,"body":"my clients is I try to retire them and"},{"speaker":"Brighton Gbarazia","startTime":339.04,"endTime":340.75,"body":"say, this is just a lifestyle purchase."},{"speaker":"Brighton Gbarazia","startTime":341.2,"endTime":344.44,"body":"I'm of the belief that if you buy a"},{"speaker":"Brighton Gbarazia","startTime":341.2,"endTime":344.44,"body":"principal resident, by that I mean you"},{"speaker":"Brighton Gbarazia","startTime":344.445,"endTime":346.18,"body":"are gonna live in there with your family."},{"speaker":"Brighton Gbarazia","startTime":346.645,"endTime":349.585,"body":"The best way to be successful at"},{"speaker":"Brighton Gbarazia","startTime":346.645,"endTime":349.585,"body":"that is really to ignore all the"},{"speaker":"Brighton Gbarazia","startTime":349.585,"endTime":352.105,"body":"noise about your assets gonna go"},{"speaker":"Brighton Gbarazia","startTime":349.585,"endTime":352.105,"body":"up and blah, blah, blah, blah."},{"speaker":"Brighton Gbarazia","startTime":352.495,"endTime":356.185,"body":"Because the mindset to buying an"},{"speaker":"Brighton Gbarazia","startTime":352.495,"endTime":356.185,"body":"investment property and a principal"},{"speaker":"Brighton Gbarazia","startTime":356.565,"endTime":359.305,"body":"resident to raise your family"},{"speaker":"Brighton Gbarazia","startTime":356.565,"endTime":359.305,"body":"are completely different, right?"},{"speaker":"Brighton Gbarazia","startTime":359.575,"endTime":362.485,"body":"One is about numbers and how"},{"speaker":"Brighton Gbarazia","startTime":359.575,"endTime":362.485,"body":"do I get the best return?"},{"speaker":"Brighton Gbarazia","startTime":362.755,"endTime":365.395,"body":"And the other one is really about"},{"speaker":"Brighton Gbarazia","startTime":362.755,"endTime":365.395,"body":"creating this experience that you're"},{"speaker":"Brighton Gbarazia","startTime":365.395,"endTime":367.855,"body":"gonna have these memories that"},{"speaker":"Brighton Gbarazia","startTime":365.395,"endTime":367.855,"body":"you want to build up in that home."},{"speaker":"Brighton Gbarazia","startTime":368.155,"endTime":371.875,"body":"And that means sometimes it's not about"},{"speaker":"Brighton Gbarazia","startTime":368.155,"endTime":371.875,"body":"the investment return that you care about."},{"speaker":"Brighton Gbarazia","startTime":372.11,"endTime":375.02,"body":"But it's also about those"},{"speaker":"Brighton Gbarazia","startTime":372.11,"endTime":375.02,"body":"memories that are just as equally"},{"speaker":"Brighton Gbarazia","startTime":375.02,"endTime":376.91,"body":"as important as the return."},{"speaker":"Brighton Gbarazia","startTime":377.15,"endTime":381.02,"body":"So that's what I try to do with all my"},{"speaker":"Brighton Gbarazia","startTime":377.15,"endTime":381.02,"body":"clients, is slow down the process and let"},{"speaker":"Brighton Gbarazia","startTime":381.02,"endTime":383.06,"body":"them know that it's a lifestyle purchase."},{"speaker":"Brighton Gbarazia","startTime":383.3,"endTime":386.0,"body":"And what we want to do is figure out"},{"speaker":"Brighton Gbarazia","startTime":383.3,"endTime":386.0,"body":"what's the right mortgage, what's"},{"speaker":"Brighton Gbarazia","startTime":386.0,"endTime":388.13,"body":"the right home that can get us?"},{"speaker":"Brighton Gbarazia","startTime":388.4,"endTime":393.12,"body":"The lifestyle that we love living, because"},{"speaker":"Brighton Gbarazia","startTime":388.4,"endTime":393.12,"body":"if we can do that, we wouldn't care if the"},{"speaker":"Brighton Gbarazia","startTime":393.12,"endTime":396.42,"body":"properties are going up and down because"},{"speaker":"Brighton Gbarazia","startTime":393.12,"endTime":396.42,"body":"we can actually live the lifestyle."},{"speaker":"Brighton Gbarazia","startTime":396.66,"endTime":399.66,"body":"We want to live on a dayday basis,"},{"speaker":"Brighton Gbarazia","startTime":396.66,"endTime":399.66,"body":"and that's really all that matters."},{"speaker":"Brighton Gbarazia","startTime":399.66,"endTime":402.77,"body":"So that's what I try to do, is just"},{"speaker":"Brighton Gbarazia","startTime":399.66,"endTime":402.77,"body":"slow down the process for them, let"},{"speaker":"Brighton Gbarazia","startTime":402.77,"endTime":406.2,"body":"them know it's a lifestyle purchase,"},{"speaker":"Brighton Gbarazia","startTime":402.77,"endTime":406.2,"body":"and then we try to understand, educate"},{"speaker":"Brighton Gbarazia","startTime":406.2,"endTime":410.68,"body":"them about all the expenses to come home"},{"speaker":"Brighton Gbarazia","startTime":406.2,"endTime":410.68,"body":"ownership, and then usually, my clients"},{"speaker":"Brighton Gbarazia","startTime":410.68,"endTime":413.92,"body":"appreciate that because they realize"},{"speaker":"Brighton Gbarazia","startTime":410.68,"endTime":413.92,"body":"they don't have to rush into this."},{"speaker":"Brighton Gbarazia","startTime":413.948,"endTime":414.509,"body":"This isn't a thing."},{"speaker":"Brighton Gbarazia","startTime":414.509,"endTime":416.249,"body":"I have to go buy home right now."},{"speaker":"Brighton Gbarazia","startTime":416.549,"endTime":419.639,"body":"And they take the time to figure out"},{"speaker":"Brighton Gbarazia","startTime":416.549,"endTime":419.639,"body":"what is a lifestyle and then find"},{"speaker":"Brighton Gbarazia","startTime":419.644,"endTime":423.102,"body":"the right mortgage at a right home"},{"speaker":"Brighton Gbarazia","startTime":419.644,"endTime":423.102,"body":"that can fit that lifestyle for them."},{"speaker":"Average Joe Finances","startTime":423.202,"endTime":425.662,"body":"Yeah, so"},{"speaker":"Average Joe Finances","startTime":423.202,"endTime":425.662,"body":"Brighton, I absolutely love your"},{"speaker":"Average Joe Finances","startTime":425.667,"endTime":430.042,"body":"answer to that because you know it's,"},{"speaker":"Average Joe Finances","startTime":425.667,"endTime":430.042,"body":"it shows how genuine you are, right?"},{"speaker":"Average Joe Finances","startTime":430.042,"endTime":433.402,"body":"And how caring you are with your"},{"speaker":"Average Joe Finances","startTime":430.042,"endTime":433.402,"body":"clients, that you tell them, Hey,"},{"speaker":"Average Joe Finances","startTime":433.812,"endTime":436.209,"body":"slowdown, let's take a deep breath."},{"speaker":"Brighton Gbarazia","startTime":436.269,"endTime":436.329,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":436.359,"endTime":439.149,"body":"And really take"},{"speaker":"Average Joe Finances","startTime":436.359,"endTime":439.149,"body":"a step back and take a look at what"},{"speaker":"Average Joe Finances","startTime":439.149,"endTime":440.469,"body":"we're getting ourselves into here."},{"speaker":"Average Joe Finances","startTime":440.494,"endTime":443.627,"body":"Especially if you're a first time home"},{"speaker":"Average Joe Finances","startTime":440.494,"endTime":443.627,"body":"buyer, you've never owned a home before."},{"speaker":"Average Joe Finances","startTime":444.232,"endTime":446.979,"body":"Maybe your parents have,"},{"speaker":"Average Joe Finances","startTime":444.232,"endTime":446.979,"body":"maybe they haven't, but you"},{"speaker":"Average Joe Finances","startTime":446.979,"endTime":448.329,"body":"don't have that experience."},{"speaker":"Average Joe Finances","startTime":448.329,"endTime":451.436,"body":"You might know other ho people"},{"speaker":"Average Joe Finances","startTime":448.329,"endTime":451.436,"body":"that own homes, but you've"},{"speaker":"Average Joe Finances","startTime":451.436,"endTime":452.336,"body":"never owned one yourself."},{"speaker":"Average Joe Finances","startTime":452.336,"endTime":454.136,"body":"So you've never gone through that process."},{"speaker":"Average Joe Finances","startTime":454.143,"endTime":458.065,"body":"And to say that emotions are"},{"speaker":"Average Joe Finances","startTime":454.143,"endTime":458.065,"body":"involved is an understatement, right?"},{"speaker":"Average Joe Finances","startTime":458.065,"endTime":461.741,"body":"Because yeah, you might have that"},{"speaker":"Average Joe Finances","startTime":458.065,"endTime":461.741,"body":"underlying emotional connection that's"},{"speaker":"Average Joe Finances","startTime":461.741,"endTime":465.881,"body":"happening when you're making this"},{"speaker":"Average Joe Finances","startTime":461.741,"endTime":465.881,"body":"purchase, but there is so much more than"},{"speaker":"Average Joe Finances","startTime":465.881,"endTime":469.106,"body":"that, like you said, you might not even"},{"speaker":"Average Joe Finances","startTime":465.881,"endTime":469.106,"body":"realize cause when you're gonna spend"},{"speaker":"Average Joe Finances","startTime":469.106,"endTime":472.725,"body":"that much money on something, trust me,"},{"speaker":"Average Joe Finances","startTime":469.106,"endTime":472.725,"body":"the emotions are gonna get triggered."},{"speaker":"Average Joe Finances","startTime":472.782,"endTime":473.652,"body":"You're gonna feel that."},{"speaker":"Average Joe Finances","startTime":473.712,"endTime":474.042,"body":"Oh yeah."},{"speaker":"Average Joe Finances","startTime":474.132,"endTime":480.205,"body":"And and you might not realize just how"},{"speaker":"Average Joe Finances","startTime":474.132,"endTime":480.205,"body":"tied this transaction is to your emotions."},{"speaker":"Average Joe Finances","startTime":480.274,"endTime":483.734,"body":"I think a lot of people don't realize"},{"speaker":"Average Joe Finances","startTime":480.274,"endTime":483.734,"body":"and it took me a long time to realize"},{"speaker":"Average Joe Finances","startTime":483.739,"endTime":486.762,"body":"too, that every purchase I've ever."},{"speaker":"Average Joe Finances","startTime":486.766,"endTime":492.171,"body":"Whether it was something small, big an"},{"speaker":"Average Joe Finances","startTime":486.766,"endTime":492.171,"body":"investment, anything, there was always"},{"speaker":"Average Joe Finances","startTime":492.291,"endTime":494.562,"body":"some type of emotion tied to that."},{"speaker":"Average Joe Finances","startTime":494.577,"endTime":496.231,"body":"And anytime I spent my money."},{"speaker":"Average Joe Finances","startTime":496.231,"endTime":499.863,"body":"And it was about changing that"},{"speaker":"Average Joe Finances","startTime":496.231,"endTime":499.863,"body":"mindset of how I felt about my money,"},{"speaker":"Average Joe Finances","startTime":499.863,"endTime":502.773,"body":"how I treated my money, and just"},{"speaker":"Average Joe Finances","startTime":499.863,"endTime":502.773,"body":"changing my relationship with my"},{"speaker":"Average Joe Finances","startTime":502.778,"endTime":507.959,"body":"money is when I realized, okay, it's"},{"speaker":"Average Joe Finances","startTime":502.778,"endTime":507.959,"body":"okay to let go of certain things."},{"speaker":"Average Joe Finances","startTime":508.017,"endTime":508.977,"body":"But that took time."},{"speaker":"Average Joe Finances","startTime":508.977,"endTime":509.127,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":509.187,"endTime":512.051,"body":"That wasn't just Overnight"},{"speaker":"Average Joe Finances","startTime":509.187,"endTime":512.051,"body":"thing and I'm ready to go."},{"speaker":"Average Joe Finances","startTime":512.089,"endTime":515.97,"body":"Oh yeah I've completely detached myself"},{"speaker":"Average Joe Finances","startTime":512.089,"endTime":515.97,"body":"emotionally from all of this, right?"},{"speaker":"Average Joe Finances","startTime":515.983,"endTime":516.823,"body":"It's impossible."},{"speaker":"Average Joe Finances","startTime":516.843,"endTime":519.204,"body":"I even say that from my primary"},{"speaker":"Average Joe Finances","startTime":516.843,"endTime":519.204,"body":"residence that I live in out"},{"speaker":"Average Joe Finances","startTime":519.204,"endTime":520.194,"body":"here in Hawaii too, right?"},{"speaker":"Average Joe Finances","startTime":520.194,"endTime":522.072,"body":"It's oh yeah I've detached"},{"speaker":"Average Joe Finances","startTime":520.194,"endTime":522.072,"body":"myself emotionally."},{"speaker":"Average Joe Finances","startTime":522.102,"endTime":523.322,"body":"I could sell this"},{"speaker":"Average Joe Finances","startTime":522.102,"endTime":523.322,"body":"tomorrow and I'd be fine."},{"speaker":"Average Joe Finances","startTime":523.389,"endTime":525.013,"body":"That's not really the case."},{"speaker":"Average Joe Finances","startTime":525.051,"endTime":528.085,"body":"My wife and my kids are here,"},{"speaker":"Average Joe Finances","startTime":525.051,"endTime":528.085,"body":"that we built a life here to"},{"speaker":"Average Joe Finances","startTime":528.085,"endTime":529.795,"body":"just pack up and go like that."},{"speaker":"Average Joe Finances","startTime":529.795,"endTime":532.817,"body":"That's a huge emotional decision, right?"},{"speaker":"Average Joe Finances","startTime":532.817,"endTime":534.895,"body":"Although it's one that I'm trying"},{"speaker":"Average Joe Finances","startTime":532.817,"endTime":534.895,"body":"to convince my wife to make so we"},{"speaker":"Average Joe Finances","startTime":534.895,"endTime":536.905,"body":"can just pack everything up and go"},{"speaker":"Average Joe Finances","startTime":534.895,"endTime":536.905,"body":"buy a sailboat and sail around the"},{"speaker":"Average Joe Finances","startTime":536.905,"endTime":539.248,"body":"world, but, I digress but seriously."},{"speaker":"Brighton Gbarazia","startTime":539.248,"endTime":539.758,"body":"Good luck with that."},{"speaker":"Average Joe Finances","startTime":539.758,"endTime":540.418,"body":"That's one of the things."},{"speaker":"Average Joe Finances","startTime":540.478,"endTime":540.628,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":540.628,"endTime":543.93,"body":"But that's one of those things where you"},{"speaker":"Average Joe Finances","startTime":540.628,"endTime":543.93,"body":"don't realize that those little things"},{"speaker":"Average Joe Finances","startTime":543.93,"endTime":546.629,"body":"in the back of your head that might be"},{"speaker":"Average Joe Finances","startTime":543.93,"endTime":546.629,"body":"getting triggered when you start making"},{"speaker":"Average Joe Finances","startTime":546.634,"endTime":550.24,"body":"those decisions, and then you start,"},{"speaker":"Average Joe Finances","startTime":546.634,"endTime":550.24,"body":"talking yourself out of things because"},{"speaker":"Average Joe Finances","startTime":550.24,"endTime":551.32,"body":"you're like, did I do the right thing?"},{"speaker":"Average Joe Finances","startTime":551.32,"endTime":552.55,"body":"Did I make the right decision?"},{"speaker":"Average Joe Finances","startTime":552.553,"endTime":555.012,"body":"Is this the right path for"},{"speaker":"Average Joe Finances","startTime":552.553,"endTime":555.012,"body":"me and my family to follow?"},{"speaker":"Average Joe Finances","startTime":555.662,"endTime":558.529,"body":". So the fact that you target"},{"speaker":"Average Joe Finances","startTime":555.662,"endTime":558.529,"body":"that when you're working"},{"speaker":"Average Joe Finances","startTime":558.529,"endTime":560.577,"body":"with clients is huge, right?"},{"speaker":"Average Joe Finances","startTime":560.577,"endTime":563.603,"body":"Because it shows how much you"},{"speaker":"Average Joe Finances","startTime":560.577,"endTime":563.603,"body":"care like I said before, right?"},{"speaker":"Average Joe Finances","startTime":563.63,"endTime":563.69,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":563.695,"endTime":566.566,"body":"So I know that they're getting a"},{"speaker":"Average Joe Finances","startTime":563.695,"endTime":566.566,"body":"good experience when they come to"},{"speaker":"Average Joe Finances","startTime":566.571,"endTime":569.051,"body":"you, that they feel more comfortable"},{"speaker":"Average Joe Finances","startTime":566.571,"endTime":569.051,"body":"when they make that decision."},{"speaker":"Average Joe Finances","startTime":569.501,"endTime":574.493,"body":"So as they're going through the"},{"speaker":"Average Joe Finances","startTime":569.501,"endTime":574.493,"body":"process they've slowed down and they're"},{"speaker":"Average Joe Finances","startTime":574.493,"endTime":578.149,"body":"like, okay we've found the property"},{"speaker":"Average Joe Finances","startTime":574.493,"endTime":578.149,"body":"we want we wanna make this happen."},{"speaker":"Average Joe Finances","startTime":578.298,"endTime":582.248,"body":". I'm not sure what the, cause I"},{"speaker":"Average Joe Finances","startTime":578.298,"endTime":582.248,"body":"haven't followed it, like what the"},{"speaker":"Average Joe Finances","startTime":582.248,"endTime":585.488,"body":"interest rates and stuff look like"},{"speaker":"Average Joe Finances","startTime":582.248,"endTime":585.488,"body":"in Canada right now, but I know"},{"speaker":"Average Joe Finances","startTime":585.488,"endTime":587.311,"body":"in the US they're rising, right?"},{"speaker":"Brighton Gbarazia","startTime":587.394,"endTime":587.514,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":587.514,"endTime":589.674,"body":"Yeah, but"},{"speaker":"Average Joe Finances","startTime":587.514,"endTime":589.674,"body":"they're, I mean they're what they"},{"speaker":"Average Joe Finances","startTime":589.674,"endTime":592.525,"body":"were at I think when I bought my first"},{"speaker":"Average Joe Finances","startTime":589.674,"endTime":592.525,"body":"home cause when I bought my first"},{"speaker":"Average Joe Finances","startTime":592.525,"endTime":597.398,"body":"property I think I got like a 6.4%"},{"speaker":"Average Joe Finances","startTime":592.525,"endTime":597.398,"body":"interest rate or something on it."},{"speaker":"Brighton Gbarazia","startTime":597.398,"endTime":597.723,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":597.733,"endTime":600.157,"body":"My current"},{"speaker":"Average Joe Finances","startTime":597.733,"endTime":600.157,"body":"property, I my primary residence right"},{"speaker":"Average Joe Finances","startTime":600.157,"endTime":601.903,"body":"now, I have a 2.25, which is beautiful."},{"speaker":"Average Joe Finances","startTime":601.903,"endTime":605.085,"body":"People right now are like, okay, they're"},{"speaker":"Average Joe Finances","startTime":601.903,"endTime":605.085,"body":"scared because the interest rates right"},{"speaker":"Average Joe Finances","startTime":605.535,"endTime":609.707,"body":"now, if you are working with somebody"},{"speaker":"Average Joe Finances","startTime":605.535,"endTime":609.707,"body":"and that becomes a factor, like they're"},{"speaker":"Average Joe Finances","startTime":609.707,"endTime":612.886,"body":"starting to back off because they're"},{"speaker":"Average Joe Finances","startTime":609.707,"endTime":612.886,"body":"like, I don't know, because the interest"},{"speaker":"Average Joe Finances","startTime":612.886,"endTime":616.806,"body":"rates, like how does that impact"},{"speaker":"Average Joe Finances","startTime":612.886,"endTime":616.806,"body":"somebody that wants to purchase home?"},{"speaker":"Brighton Gbarazia","startTime":617.02,"endTime":619.748,"body":"Yeah, and I think"},{"speaker":"Brighton Gbarazia","startTime":617.02,"endTime":619.748,"body":"Mike, you probably know this, it depends"},{"speaker":"Brighton Gbarazia","startTime":619.778,"endTime":623.03,"body":"the segment, if you're a first time home,"},{"speaker":"Brighton Gbarazia","startTime":619.778,"endTime":623.03,"body":"buyer's definitely impacting them way"},{"speaker":"Brighton Gbarazia","startTime":623.03,"endTime":627.871,"body":"more because obviously, their ability,"},{"speaker":"Brighton Gbarazia","startTime":623.03,"endTime":627.871,"body":"their capacity is reduced significantly."},{"speaker":"Brighton Gbarazia","startTime":627.93,"endTime":631.125,"body":"Like in Canada, even though rates"},{"speaker":"Brighton Gbarazia","startTime":627.93,"endTime":631.125,"body":"are rising and prices have slowed"},{"speaker":"Brighton Gbarazia","startTime":631.125,"endTime":635.395,"body":"down, Average home price is still"},{"speaker":"Brighton Gbarazia","startTime":631.125,"endTime":635.395,"body":"far exceeding most people's first"},{"speaker":"Brighton Gbarazia","startTime":635.395,"endTime":636.895,"body":"time home buyers income level, right?"},{"speaker":"Brighton Gbarazia","startTime":637.255,"endTime":641.695,"body":"So even if rates are high and yes, people"},{"speaker":"Brighton Gbarazia","startTime":637.255,"endTime":641.695,"body":"are not like crazy bidding on houses and"},{"speaker":"Brighton Gbarazia","startTime":641.695,"endTime":645.594,"body":"all that, like during covid time it's"},{"speaker":"Brighton Gbarazia","startTime":641.695,"endTime":645.594,"body":"still really expensive to get a home or"},{"speaker":"Brighton Gbarazia","startTime":645.594,"endTime":647.694,"body":"to get into a home to start off with it."},{"speaker":"Brighton Gbarazia","startTime":647.724,"endTime":651.524,"body":"And honest truth is, For most"},{"speaker":"Brighton Gbarazia","startTime":647.724,"endTime":651.524,"body":"young buyers, I'm no, just so"},{"speaker":"Brighton Gbarazia","startTime":651.524,"endTime":654.044,"body":"you know, most they're having to"},{"speaker":"Brighton Gbarazia","startTime":651.524,"endTime":654.044,"body":"get help from family and friends."},{"speaker":"Brighton Gbarazia","startTime":654.044,"endTime":656.994,"body":"That's just the reality of it, because"},{"speaker":"Brighton Gbarazia","startTime":654.044,"endTime":656.994,"body":"to save up the amount of money that"},{"speaker":"Brighton Gbarazia","startTime":656.994,"endTime":660.56,"body":"you need for the minimum down payment,"},{"speaker":"Brighton Gbarazia","startTime":656.994,"endTime":660.56,"body":"5% of a million dollars is a lot of"},{"speaker":"Brighton Gbarazia","startTime":660.565,"endTime":663.42,"body":"money to save up, particularly when"},{"speaker":"Brighton Gbarazia","startTime":660.565,"endTime":663.42,"body":"you're just maybe starting your career."},{"speaker":"Brighton Gbarazia","startTime":663.42,"endTime":666.061,"body":"Even if you're just eating noodles,"},{"speaker":"Brighton Gbarazia","startTime":663.42,"endTime":666.061,"body":"it's still a lot of money to save up."},{"speaker":"Brighton Gbarazia","startTime":666.571,"endTime":670.261,"body":"So typically what I find is friends"},{"speaker":"Brighton Gbarazia","startTime":666.571,"endTime":670.261,"body":"and families have to get involved,"},{"speaker":"Brighton Gbarazia","startTime":670.261,"endTime":671.641,"body":"and that's just the reality of it."},{"speaker":"Brighton Gbarazia","startTime":672.031,"endTime":674.885,"body":"And I try to coach them and say,"},{"speaker":"Brighton Gbarazia","startTime":672.031,"endTime":674.885,"body":"some people really, they really"},{"speaker":"Brighton Gbarazia","startTime":674.89,"endTime":675.905,"body":"want to try to do on their own."},{"speaker":"Brighton Gbarazia","startTime":675.905,"endTime":676.595,"body":"And I say, you know what?"},{"speaker":"Brighton Gbarazia","startTime":677.175,"endTime":680.505,"body":"It's okay if you need to get"},{"speaker":"Brighton Gbarazia","startTime":677.175,"endTime":680.505,"body":"friends and family involved in this"},{"speaker":"Brighton Gbarazia","startTime":680.595,"endTime":684.165,"body":"transaction because the reality is"},{"speaker":"Brighton Gbarazia","startTime":680.595,"endTime":684.165,"body":"maybe it's just not working out."},{"speaker":"Brighton Gbarazia","startTime":684.525,"endTime":685.965,"body":"So that's one way to do it."},{"speaker":"Brighton Gbarazia","startTime":685.965,"endTime":687.526,"body":"The other way, people are being creative."},{"speaker":"Brighton Gbarazia","startTime":687.526,"endTime":689.996,"body":"Maybe I would say younger people"},{"speaker":"Brighton Gbarazia","startTime":687.526,"endTime":689.996,"body":"are being smarter, they pay"},{"speaker":"Brighton Gbarazia","startTime":689.996,"endTime":691.376,"body":"more attention to cash flow."},{"speaker":"Brighton Gbarazia","startTime":691.676,"endTime":694.856,"body":"So maybe they're due to have a"},{"speaker":"Brighton Gbarazia","startTime":691.676,"endTime":694.856,"body":"property, it's just not a principal."},{"speaker":"Brighton Gbarazia","startTime":694.923,"endTime":698.775,"body":"It's a rental property and they rent,"},{"speaker":"Brighton Gbarazia","startTime":694.923,"endTime":698.775,"body":"I have a friend who lives in Vancouver,"},{"speaker":"Brighton Gbarazia","startTime":698.775,"endTime":702.579,"body":"but they own the property in another"},{"speaker":"Brighton Gbarazia","startTime":698.775,"endTime":702.579,"body":"part of Vancouver, which is low mainland."},{"speaker":"Brighton Gbarazia","startTime":702.969,"endTime":706.419,"body":"And actually because they bought early"},{"speaker":"Brighton Gbarazia","startTime":702.969,"endTime":706.419,"body":"on that property now is generating"},{"speaker":"Brighton Gbarazia","startTime":706.419,"endTime":709.689,"body":"enough cash for the office of their"},{"speaker":"Brighton Gbarazia","startTime":706.419,"endTime":709.689,"body":"rental cost in Vancouver because they"},{"speaker":"Brighton Gbarazia","startTime":709.689,"endTime":711.999,"body":"would like to live in Vancouver, and"},{"speaker":"Brighton Gbarazia","startTime":709.689,"endTime":711.999,"body":"that's the life that they wanna live."},{"speaker":"Brighton Gbarazia","startTime":712.609,"endTime":715.069,"body":", and that's ways that I think"},{"speaker":"Brighton Gbarazia","startTime":712.609,"endTime":715.069,"body":"younger people are doing it."},{"speaker":"Brighton Gbarazia","startTime":715.339,"endTime":716.869,"body":"So you have to be a little more creative."},{"speaker":"Brighton Gbarazia","startTime":717.139,"endTime":721.306,"body":"You have to look at how the landscape"},{"speaker":"Brighton Gbarazia","startTime":717.139,"endTime":721.306,"body":"is and then be creative in terms of"},{"speaker":"Brighton Gbarazia","startTime":721.306,"endTime":724.456,"body":"thinking about what is it that I'm"},{"speaker":"Brighton Gbarazia","startTime":721.306,"endTime":724.456,"body":"trying to achieve long term, and then"},{"speaker":"Brighton Gbarazia","startTime":724.456,"endTime":726.106,"body":"find different ways to go about it."},{"speaker":"Brighton Gbarazia","startTime":726.406,"endTime":729.556,"body":"But if you're just laser focused on"},{"speaker":"Brighton Gbarazia","startTime":726.406,"endTime":729.556,"body":"just the way that maybe your parents"},{"speaker":"Brighton Gbarazia","startTime":729.556,"endTime":733.256,"body":"did it, , but the situation environment"},{"speaker":"Brighton Gbarazia","startTime":729.556,"endTime":733.256,"body":"today is completely different"},{"speaker":"Brighton Gbarazia","startTime":733.256,"endTime":734.486,"body":"from where your parents are going."},{"speaker":"Brighton Gbarazia","startTime":734.876,"endTime":737.606,"body":"You're gonna find it very frustrating"},{"speaker":"Brighton Gbarazia","startTime":734.876,"endTime":737.606,"body":"with any kind of realtor or"},{"speaker":"Brighton Gbarazia","startTime":737.996,"endTime":740.156,"body":"mortgage broker because you're"},{"speaker":"Brighton Gbarazia","startTime":737.996,"endTime":740.156,"body":"never gonna be able to get in."},{"speaker":"Brighton Gbarazia","startTime":740.156,"endTime":743.516,"body":"So you have to be creative to"},{"speaker":"Brighton Gbarazia","startTime":740.156,"endTime":743.516,"body":"get to the same destination"},{"speaker":"Brighton Gbarazia","startTime":743.696,"endTime":744.806,"body":"that you're trying to get to."},{"speaker":"Brighton Gbarazia","startTime":745.016,"endTime":747.956,"body":"It doesn't mean that you can't achieve"},{"speaker":"Brighton Gbarazia","startTime":745.016,"endTime":747.956,"body":"that, but it does mean it makes like a"},{"speaker":"Brighton Gbarazia","startTime":748.076,"endTime":750.146,"body":"different vehicle to get to that spot."},{"speaker":"Brighton Gbarazia","startTime":750.356,"endTime":753.212,"body":"And that's what I like to do with people"},{"speaker":"Brighton Gbarazia","startTime":750.356,"endTime":753.212,"body":"who were at that point where they're"},{"speaker":"Brighton Gbarazia","startTime":753.522,"endTime":756.101,"body":"trying to get in, but they're like, oh,"},{"speaker":"Brighton Gbarazia","startTime":753.522,"endTime":756.101,"body":"you can't and Mike, you know this, the"},{"speaker":"Brighton Gbarazia","startTime":756.101,"endTime":758.811,"body":"other thing too, that it's important for"},{"speaker":"Brighton Gbarazia","startTime":756.101,"endTime":758.811,"body":"clients in this market, I try to tell"},{"speaker":"Brighton Gbarazia","startTime":758.811,"endTime":762.961,"body":"them is the best time to really buy a"},{"speaker":"Brighton Gbarazia","startTime":758.811,"endTime":762.961,"body":"property is when these prices are going"},{"speaker":"Brighton Gbarazia","startTime":762.961,"endTime":766.381,"body":"high, because people who are still selling"},{"speaker":"Brighton Gbarazia","startTime":762.961,"endTime":766.381,"body":"at these points, they want to get out."},{"speaker":"Brighton Gbarazia","startTime":766.381,"endTime":767.881,"body":"Either they have some kind of motivation."},{"speaker":"Brighton Gbarazia","startTime":767.881,"endTime":769.201,"body":"That's what you always wanna find, right?"},{"speaker":"Brighton Gbarazia","startTime":769.441,"endTime":773.401,"body":"You want to find that seller that has"},{"speaker":"Brighton Gbarazia","startTime":769.441,"endTime":773.401,"body":"a motivated reason to get rid of that"},{"speaker":"Brighton Gbarazia","startTime":773.401,"endTime":776.641,"body":"property because it means you're gonna"},{"speaker":"Brighton Gbarazia","startTime":773.401,"endTime":776.641,"body":"be able to negotiate with them, right?"},{"speaker":"Brighton Gbarazia","startTime":776.971,"endTime":780.391,"body":"So in the rising interest rate"},{"speaker":"Brighton Gbarazia","startTime":776.971,"endTime":780.391,"body":"environment, you have individuals"},{"speaker":"Brighton Gbarazia","startTime":780.391,"endTime":783.061,"body":"who, they're selling late now"},{"speaker":"Brighton Gbarazia","startTime":780.391,"endTime":783.061,"body":"because they saw all their friends"},{"speaker":"Brighton Gbarazia","startTime":783.066,"endTime":784.321,"body":"and families sell earlier on."},{"speaker":"Brighton Gbarazia","startTime":784.711,"endTime":787.081,"body":"They're still stuck to that price"},{"speaker":"Brighton Gbarazia","startTime":784.711,"endTime":787.081,"body":"point, but then they have to re."},{"speaker":"Brighton Gbarazia","startTime":787.184,"endTime":789.824,"body":"And what will be left eventually"},{"speaker":"Brighton Gbarazia","startTime":787.184,"endTime":789.824,"body":"with people who are actually have"},{"speaker":"Brighton Gbarazia","startTime":789.824,"endTime":791.584,"body":"a need to leave that property."},{"speaker":"Brighton Gbarazia","startTime":791.924,"endTime":796.514,"body":"So it can be a great time to buy now"},{"speaker":"Brighton Gbarazia","startTime":791.924,"endTime":796.514,"body":"if you can get into it, because you're"},{"speaker":"Brighton Gbarazia","startTime":796.984,"endTime":800.054,"body":"probably gonna be buying from people"},{"speaker":"Brighton Gbarazia","startTime":796.984,"endTime":800.054,"body":"who have an extra motivation to get"},{"speaker":"Brighton Gbarazia","startTime":800.054,"endTime":804.374,"body":"rid of that property, as opposed to"},{"speaker":"Brighton Gbarazia","startTime":800.054,"endTime":804.374,"body":"when rates are really low, everyone's"},{"speaker":"Brighton Gbarazia","startTime":804.374,"endTime":807.603,"body":"selling and buying, now you're committing"},{"speaker":"Brighton Gbarazia","startTime":804.374,"endTime":807.603,"body":"people like, oh, just send on silent."},{"speaker":"Brighton Gbarazia","startTime":807.603,"endTime":808.443,"body":"Everyone can afford it."},{"speaker":"Brighton Gbarazia","startTime":808.773,"endTime":809.463,"body":"Everyone can qualify."},{"speaker":"Brighton Gbarazia","startTime":809.733,"endTime":810.453,"body":"No problem."},{"speaker":"Brighton Gbarazia","startTime":810.458,"endTime":811.923,"body":"So it's a great time."},{"speaker":"Brighton Gbarazia","startTime":811.923,"endTime":813.783,"body":"I'm working with a client right"},{"speaker":"Brighton Gbarazia","startTime":811.923,"endTime":813.783,"body":"now and that's what we're doing."},{"speaker":"Brighton Gbarazia","startTime":813.783,"endTime":814.652,"body":"I'm just I told them."},{"speaker":"Brighton Gbarazia","startTime":815.022,"endTime":816.312,"body":"Know, just relax."},{"speaker":"Brighton Gbarazia","startTime":816.312,"endTime":817.302,"body":"We'll take our time."},{"speaker":"Brighton Gbarazia","startTime":817.332,"endTime":820.902,"body":"Maybe Christmas time will come and we'll"},{"speaker":"Brighton Gbarazia","startTime":817.332,"endTime":820.902,"body":"see some really people who are really"},{"speaker":"Brighton Gbarazia","startTime":820.902,"endTime":823.782,"body":"desperate, they need to get off their"},{"speaker":"Brighton Gbarazia","startTime":820.902,"endTime":823.782,"body":"property and that might be a good time"},{"speaker":"Brighton Gbarazia","startTime":823.782,"endTime":827.185,"body":"for you to go acquire property because"},{"speaker":"Brighton Gbarazia","startTime":823.782,"endTime":827.185,"body":"has their home off for sale in December."},{"speaker":"Brighton Gbarazia","startTime":827.455,"endTime":828.475,"body":"They got to leave, right?"},{"speaker":"Brighton Gbarazia","startTime":828.475,"endTime":830.005,"body":"No one wants to sell in December, right?"},{"speaker":"Brighton Gbarazia","startTime":830.275,"endTime":833.695,"body":". So it's one of those things, finding"},{"speaker":"Brighton Gbarazia","startTime":830.275,"endTime":833.695,"body":"different ways to get to the same solution"},{"speaker":"Brighton Gbarazia","startTime":833.695,"endTime":835.105,"body":"and just being patient with it, right?"},{"speaker":"Average Joe Finances","startTime":835.735,"endTime":836.335,"body":"Yeah, Brighton."},{"speaker":"Average Joe Finances","startTime":836.363,"endTime":837.158,"body":"That's a great point."},{"speaker":"Average Joe Finances","startTime":837.158,"endTime":839.804,"body":"And it makes me think about, some of"},{"speaker":"Average Joe Finances","startTime":837.158,"endTime":839.804,"body":"the conversations I've had with my"},{"speaker":"Average Joe Finances","startTime":839.804,"endTime":844.756,"body":"clients as a real estate agent out here"},{"speaker":"Average Joe Finances","startTime":839.804,"endTime":844.756,"body":"as well is, Yes the home prices are at"},{"speaker":"Average Joe Finances","startTime":844.756,"endTime":846.745,"body":"a point where they've peaked, right?"},{"speaker":"Average Joe Finances","startTime":847.015,"endTime":849.345,"body":"And now with the rise in interest"},{"speaker":"Average Joe Finances","startTime":847.015,"endTime":849.345,"body":"rates, they've, we're starting"},{"speaker":"Average Joe Finances","startTime":849.35,"endTime":851.385,"body":"to see like smaller price drops."},{"speaker":"Average Joe Finances","startTime":851.385,"endTime":854.721,"body":"Nothing crazy out here, but"},{"speaker":"Average Joe Finances","startTime":851.385,"endTime":854.721,"body":"they're either staying flat or"},{"speaker":"Average Joe Finances","startTime":854.8,"endTime":856.21,"body":"there's minor price drops, right?"},{"speaker":"Average Joe Finances","startTime":856.69,"endTime":859.3,"body":"And with the higher interest"},{"speaker":"Average Joe Finances","startTime":856.69,"endTime":859.3,"body":"rates, it does make it a"},{"speaker":"Average Joe Finances","startTime":859.3,"endTime":860.17,"body":"little more difficult, right?"},{"speaker":"Average Joe Finances","startTime":860.17,"endTime":865.047,"body":"Because you cannot purchase as much"},{"speaker":"Average Joe Finances","startTime":860.17,"endTime":865.047,"body":"home as you could a year ago when"},{"speaker":"Average Joe Finances","startTime":865.047,"endTime":866.547,"body":"the interest rates were much lower."},{"speaker":"Average Joe Finances","startTime":866.817,"endTime":870.258,"body":"But what I'm telling the clients"},{"speaker":"Average Joe Finances","startTime":866.817,"endTime":870.258,"body":"that I work with is Hey, like right"},{"speaker":"Average Joe Finances","startTime":870.258,"endTime":872.708,"body":"now, Your competition is gone."},{"speaker":"Average Joe Finances","startTime":872.978,"endTime":876.607,"body":"Like where, a couple months ago"},{"speaker":"Average Joe Finances","startTime":872.978,"endTime":876.607,"body":"you'd be bidding on this house and"},{"speaker":"Average Joe Finances","startTime":876.607,"endTime":879.457,"body":"crossing your fingers and hoping"},{"speaker":"Average Joe Finances","startTime":876.607,"endTime":879.457,"body":"that you put the right amount on"},{"speaker":"Average Joe Finances","startTime":879.457,"endTime":881.437,"body":"there over asking price to get it."},{"speaker":"Average Joe Finances","startTime":881.767,"endTime":884.887,"body":"Where now you can probably go in"},{"speaker":"Average Joe Finances","startTime":881.767,"endTime":884.887,"body":"and offer asking price or maybe"},{"speaker":"Average Joe Finances","startTime":884.887,"endTime":889.417,"body":"even a little under asking price"},{"speaker":"Average Joe Finances","startTime":884.887,"endTime":889.417,"body":"and get this property that you want."},{"speaker":"Average Joe Finances","startTime":889.447,"endTime":890.467,"body":"And then guess what?"},{"speaker":"Average Joe Finances","startTime":890.887,"endTime":894.395,"body":"When interest rates, resolve"},{"speaker":"Average Joe Finances","startTime":890.887,"endTime":894.395,"body":"and they start going back down."},{"speaker":"Average Joe Finances","startTime":894.425,"endTime":897.245,"body":"Yeah, go refinance it six"},{"speaker":"Average Joe Finances","startTime":894.425,"endTime":897.245,"body":"months to a year from now."},{"speaker":"Brighton Gbarazia","startTime":897.337,"endTime":897.727,"body":"Exactly."},{"speaker":"Average Joe Finances","startTime":897.727,"endTime":899.257,"body":"And"},{"speaker":"Average Joe Finances","startTime":897.727,"endTime":899.257,"body":"lower your mortgage payment."},{"speaker":"Average Joe Finances","startTime":899.257,"endTime":899.887,"body":"But guess what?"},{"speaker":"Average Joe Finances","startTime":899.887,"endTime":903.247,"body":"You won because you got that"},{"speaker":"Average Joe Finances","startTime":899.887,"endTime":903.247,"body":"property that you wanted and you"},{"speaker":"Average Joe Finances","startTime":903.247,"endTime":904.657,"body":"didn't have to compete for it."},{"speaker":"Average Joe Finances","startTime":904.957,"endTime":908.887,"body":"So right now it's exactly,"},{"speaker":"Average Joe Finances","startTime":904.957,"endTime":908.887,"body":"it's a good time to be a buyer."},{"speaker":"Average Joe Finances","startTime":908.909,"endTime":912.299,"body":"It is a really good time because"},{"speaker":"Average Joe Finances","startTime":908.909,"endTime":912.299,"body":"you have that opportunity now."},{"speaker":"Average Joe Finances","startTime":912.884,"endTime":914.904,"body":"You have a little more"},{"speaker":"Average Joe Finances","startTime":912.884,"endTime":914.904,"body":"leverage than you did before."},{"speaker":"Average Joe Finances","startTime":914.904,"endTime":916.579,"body":"Previously when it was"},{"speaker":"Average Joe Finances","startTime":914.904,"endTime":916.579,"body":"just a seller's market."},{"speaker":"Average Joe Finances","startTime":916.629,"endTime":919.179,"body":"it was like throwing a rock and"},{"speaker":"Average Joe Finances","startTime":916.629,"endTime":919.179,"body":"hoping that it hits something"},{"speaker":"Average Joe Finances","startTime":919.509,"endTime":920.25,"body":"and you're like please."},{"speaker":"Brighton Gbarazia","startTime":920.255,"endTime":920.47,"body":"Exactly."},{"speaker":"Average Joe Finances","startTime":920.56,"endTime":923.449,"body":"I had a client"},{"speaker":"Average Joe Finances","startTime":920.56,"endTime":923.449,"body":"that, we put in nine offers and"},{"speaker":"Average Joe Finances","startTime":923.454,"endTime":925.489,"body":"when they were going to put in their"},{"speaker":"Average Joe Finances","startTime":923.454,"endTime":925.489,"body":"10th one, they said, you know what,"},{"speaker":"Average Joe Finances","startTime":925.494,"endTime":926.659,"body":"we just, we can't do this anymore."},{"speaker":"Average Joe Finances","startTime":926.659,"endTime":927.889,"body":"It's too emotionally draining."},{"speaker":"Average Joe Finances","startTime":928.549,"endTime":931.344,"body":"And I'm talking about they were"},{"speaker":"Average Joe Finances","startTime":928.549,"endTime":931.344,"body":"offering 50, 60, 70,000 over"},{"speaker":"Average Joe Finances","startTime":931.349,"endTime":932.715,"body":"asking and still not getting it."},{"speaker":"Average Joe Finances","startTime":932.72,"endTime":934.64,"body":"Stuff like that is, is painful."},{"speaker":"Average Joe Finances","startTime":934.661,"endTime":938.25,"body":"But now is that time, you don't have"},{"speaker":"Average Joe Finances","startTime":934.661,"endTime":938.25,"body":"to worry necessarily worry about that."},{"speaker":"Average Joe Finances","startTime":938.25,"endTime":942.85,"body":"And you can focus on finding that"},{"speaker":"Average Joe Finances","startTime":938.25,"endTime":942.85,"body":"property that you really want."},{"speaker":"Average Joe Finances","startTime":942.853,"endTime":945.043,"body":"The one that hits the market and"},{"speaker":"Average Joe Finances","startTime":942.853,"endTime":945.043,"body":"you're like, okay, this is it."},{"speaker":"Average Joe Finances","startTime":945.433,"endTime":947.965,"body":"And you don't really have"},{"speaker":"Average Joe Finances","startTime":945.433,"endTime":947.965,"body":"that competition anymore."},{"speaker":"Average Joe Finances","startTime":947.973,"endTime":948.513,"body":"I think that's huge."},{"speaker":"Average Joe Finances","startTime":948.56,"endTime":950.99,"body":"I wanna circle back to something"},{"speaker":"Average Joe Finances","startTime":948.56,"endTime":950.99,"body":"else that you mentioned about"},{"speaker":"Average Joe Finances","startTime":950.995,"endTime":952.336,"body":"your friends in Vancouver."},{"speaker":"Average Joe Finances","startTime":952.336,"endTime":955.677,"body":"And how they bought that one"},{"speaker":"Average Joe Finances","startTime":952.336,"endTime":955.677,"body":"property outside of Vancouver."},{"speaker":"Brighton Gbarazia","startTime":955.69,"endTime":955.93,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":956.4,"endTime":958.06,"body":"They got it"},{"speaker":"Average Joe Finances","startTime":956.4,"endTime":958.06,"body":"at a price point where it now it,"},{"speaker":"Average Joe Finances","startTime":958.079,"endTime":961.469,"body":"cash flows and offsets their rent"},{"speaker":"Average Joe Finances","startTime":958.079,"endTime":961.469,"body":"for them to live in Vancouver."},{"speaker":"Average Joe Finances","startTime":961.949,"endTime":966.539,"body":"And it makes me think about a conversation"},{"speaker":"Average Joe Finances","startTime":961.949,"endTime":966.539,"body":"I had with someone a couple months ago,"},{"speaker":"Average Joe Finances","startTime":966.539,"endTime":969.989,"body":"and actually the podcast episode just"},{"speaker":"Average Joe Finances","startTime":966.539,"endTime":969.989,"body":"aired not too long ago, but we were"},{"speaker":"Average Joe Finances","startTime":969.989,"endTime":972.612,"body":"talking about how, he in particular,"},{"speaker":"Average Joe Finances","startTime":969.989,"endTime":972.612,"body":"and I've heard other people say"},{"speaker":"Average Joe Finances","startTime":972.617,"endTime":975.333,"body":"this too own where you rent, right?"},{"speaker":"Average Joe Finances","startTime":975.333,"endTime":978.843,"body":"So rent out the properties"},{"speaker":"Average Joe Finances","startTime":975.333,"endTime":978.843,"body":"that you own, but then live."},{"speaker":"Brighton Gbarazia","startTime":978.943,"endTime":979.143,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":979.155,"endTime":980.265,"body":"And"},{"speaker":"Average Joe Finances","startTime":979.155,"endTime":980.265,"body":"then rent where you live."},{"speaker":"Average Joe Finances","startTime":980.298,"endTime":981.43,"body":"So what are your thoughts on that?"},{"speaker":"Average Joe Finances","startTime":981.442,"endTime":985.482,"body":"If you were to just buy, like investment"},{"speaker":"Average Joe Finances","startTime":981.442,"endTime":985.482,"body":"properties in different areas?"},{"speaker":"Average Joe Finances","startTime":985.942,"endTime":989.242,"body":"And then you wanna rent in"},{"speaker":"Average Joe Finances","startTime":985.942,"endTime":989.242,"body":"a specific location because"},{"speaker":"Average Joe Finances","startTime":989.242,"endTime":990.232,"body":"that's where you want to be."},{"speaker":"Average Joe Finances","startTime":990.592,"endTime":993.532,"body":"And it would be cheaper to rent"},{"speaker":"Average Joe Finances","startTime":990.592,"endTime":993.532,"body":"there than buy I, an example being"},{"speaker":"Average Joe Finances","startTime":993.532,"endTime":997.718,"body":"Vancouver, I'm pretty sure it's very"},{"speaker":"Average Joe Finances","startTime":993.532,"endTime":997.718,"body":"expensive to purchase real estate there."},{"speaker":"Average Joe Finances","startTime":997.718,"endTime":1000.707,"body":"But renting would is"},{"speaker":"Average Joe Finances","startTime":997.718,"endTime":1000.707,"body":"more is doable, right?"},{"speaker":"Average Joe Finances","startTime":1001.007,"endTime":1002.194,"body":"So what are your thoughts on that?"},{"speaker":"Average Joe Finances","startTime":1002.194,"endTime":1004.332,"body":"What do you think about"},{"speaker":"Average Joe Finances","startTime":1002.194,"endTime":1004.332,"body":"your friends that did that?"},{"speaker":"Average Joe Finances","startTime":1004.375,"endTime":1006.846,"body":"Is that something that you"},{"speaker":"Average Joe Finances","startTime":1004.375,"endTime":1006.846,"body":"would recommend to other people?"},{"speaker":"Average Joe Finances","startTime":1007.086,"endTime":1010.13,"body":"Hey, use this to offset and live"},{"speaker":"Average Joe Finances","startTime":1007.086,"endTime":1010.13,"body":"where you wanna live and enjoy."},{"speaker":"Brighton Gbarazia","startTime":1010.357,"endTime":1010.807,"body":"Yeah."},{"speaker":"Brighton Gbarazia","startTime":1010.807,"endTime":1014.467,"body":"I think, yeah, that's a conversation"},{"speaker":"Brighton Gbarazia","startTime":1010.807,"endTime":1014.467,"body":"that happens more because I"},{"speaker":"Brighton Gbarazia","startTime":1014.467,"endTime":1017.557,"body":"think, again, demographic,"},{"speaker":"Brighton Gbarazia","startTime":1014.467,"endTime":1017.557,"body":"depending where you are at, right?"},{"speaker":"Brighton Gbarazia","startTime":1017.562,"endTime":1021.022,"body":"Like in Vancouver it's stupidly expensive."},{"speaker":"Brighton Gbarazia","startTime":1021.022,"endTime":1024.016,"body":"And I said a million, that's not"},{"speaker":"Brighton Gbarazia","startTime":1021.022,"endTime":1024.016,"body":"the price month of Vancouver, right?"},{"speaker":"Brighton Gbarazia","startTime":1024.016,"endTime":1025.816,"body":"That's like a box you're"},{"speaker":"Brighton Gbarazia","startTime":1024.016,"endTime":1025.816,"body":"getting for a million."},{"speaker":"Brighton Gbarazia","startTime":1026.176,"endTime":1029.716,"body":"So if you're talking like a detached"},{"speaker":"Brighton Gbarazia","startTime":1026.176,"endTime":1029.716,"body":"home, like most of us, like sub 30,"},{"speaker":"Brighton Gbarazia","startTime":1029.746,"endTime":1031.336,"body":"no, that's way out in the picture."},{"speaker":"Brighton Gbarazia","startTime":1031.341,"endTime":1031.57,"body":"You're not."},{"speaker":"Brighton Gbarazia","startTime":1031.67,"endTime":1035.18,"body":"So I think the whole idea for me"},{"speaker":"Brighton Gbarazia","startTime":1031.67,"endTime":1035.18,"body":"in that concept, whatever makes"},{"speaker":"Brighton Gbarazia","startTime":1035.18,"endTime":1036.39,"body":"sense, it depends on the client."},{"speaker":"Brighton Gbarazia","startTime":1037.025,"endTime":1040.625,"body":"You have to first agree with me"},{"speaker":"Brighton Gbarazia","startTime":1037.025,"endTime":1040.625,"body":"on the basis of why I would make"},{"speaker":"Brighton Gbarazia","startTime":1040.625,"endTime":1044.675,"body":"that recommendation, which is I"},{"speaker":"Brighton Gbarazia","startTime":1040.625,"endTime":1044.675,"body":"don't view a principal resident"},{"speaker":"Brighton Gbarazia","startTime":1045.005,"endTime":1046.685,"body":"as an investment property."},{"speaker":"Brighton Gbarazia","startTime":1046.685,"endTime":1049.895,"body":"Like I don't view that as an"},{"speaker":"Brighton Gbarazia","startTime":1046.685,"endTime":1049.895,"body":"asset because I'm using cash flow"},{"speaker":"Brighton Gbarazia","startTime":1049.895,"endTime":1051.245,"body":"as my definition of it, right?"},{"speaker":"Brighton Gbarazia","startTime":1051.605,"endTime":1055.775,"body":"Because if I have a cash flow property,"},{"speaker":"Brighton Gbarazia","startTime":1051.605,"endTime":1055.775,"body":"someone's paying me cash for the"},{"speaker":"Brighton Gbarazia","startTime":1055.775,"endTime":1058.005,"body":"offset the cost of that property."},{"speaker":"Brighton Gbarazia","startTime":1058.005,"endTime":1060.575,"body":"And then if I'm lucky and I've paid"},{"speaker":"Brighton Gbarazia","startTime":1058.005,"endTime":1060.575,"body":"all the expense and I have a little"},{"speaker":"Brighton Gbarazia","startTime":1060.575,"endTime":1063.929,"body":"bit of cash for leftover, which then"},{"speaker":"Brighton Gbarazia","startTime":1060.575,"endTime":1063.929,"body":"I can do whatever I want with it."},{"speaker":"Brighton Gbarazia","startTime":1064.289,"endTime":1067.319,"body":"But in a principal resident,"},{"speaker":"Brighton Gbarazia","startTime":1064.289,"endTime":1067.319,"body":"it's the opposite, right?"},{"speaker":"Brighton Gbarazia","startTime":1067.349,"endTime":1068.909,"body":"You're not the one"},{"speaker":"Brighton Gbarazia","startTime":1067.349,"endTime":1068.909,"body":"receiving the cash flow."},{"speaker":"Brighton Gbarazia","startTime":1068.909,"endTime":1071.879,"body":"The lender receives the cash flow,"},{"speaker":"Brighton Gbarazia","startTime":1068.909,"endTime":1071.879,"body":"which is why I said earlier, you need"},{"speaker":"Brighton Gbarazia","startTime":1071.879,"endTime":1073.349,"body":"to think of it as a lifestyle purchase."},{"speaker":"Brighton Gbarazia","startTime":1073.709,"endTime":1076.884,"body":"So if it's a lifestyle you're after,"},{"speaker":"Brighton Gbarazia","startTime":1073.709,"endTime":1076.884,"body":"then it makes sense for you to think"},{"speaker":"Brighton Gbarazia","startTime":1076.889,"endTime":1078.27,"body":"about, okay, where do I wanna live?"},{"speaker":"Brighton Gbarazia","startTime":1078.66,"endTime":1081.3,"body":"If you can find someone saying"},{"speaker":"Brighton Gbarazia","startTime":1078.66,"endTime":1081.3,"body":"Vancouver, where you're like, okay."},{"speaker":"Brighton Gbarazia","startTime":1081.426,"endTime":1084.846,"body":"I don't really want to buy a principal"},{"speaker":"Brighton Gbarazia","startTime":1081.426,"endTime":1084.846,"body":"resident because I'm after a particular"},{"speaker":"Brighton Gbarazia","startTime":1084.846,"endTime":1088.506,"body":"lifestyle and the area I wanna live"},{"speaker":"Brighton Gbarazia","startTime":1084.846,"endTime":1088.506,"body":"doesn't make sense for me to buy a"},{"speaker":"Brighton Gbarazia","startTime":1088.506,"endTime":1091.626,"body":"principal resident because then I'm"},{"speaker":"Brighton Gbarazia","startTime":1088.506,"endTime":1091.626,"body":"really not buying investment property,"},{"speaker":"Brighton Gbarazia","startTime":1091.956,"endTime":1095.406,"body":"but I can buy an investment property,"},{"speaker":"Brighton Gbarazia","startTime":1091.956,"endTime":1095.406,"body":"which then I can participate in the"},{"speaker":"Brighton Gbarazia","startTime":1095.411,"endTime":1097.626,"body":"growth of real estate over time."},{"speaker":"Brighton Gbarazia","startTime":1097.626,"endTime":1102.216,"body":"And over time I can actually have that"},{"speaker":"Brighton Gbarazia","startTime":1097.626,"endTime":1102.216,"body":"cashflow to help me lift the lifestyle,"},{"speaker":"Brighton Gbarazia","startTime":1102.216,"endTime":1103.536,"body":"the place that I want to live in."},{"speaker":"Brighton Gbarazia","startTime":1103.986,"endTime":1106.886,"body":"And that's very, but you have to be"},{"speaker":"Brighton Gbarazia","startTime":1103.986,"endTime":1106.886,"body":"very disciplined with that, right?"},{"speaker":"Brighton Gbarazia","startTime":1107.066,"endTime":1109.586,"body":"It's not a thing that you just pick"},{"speaker":"Brighton Gbarazia","startTime":1107.066,"endTime":1109.586,"body":"up and say, I'm gonna do overnight."},{"speaker":"Brighton Gbarazia","startTime":1109.886,"endTime":1113.156,"body":"And that's why most of the clients"},{"speaker":"Brighton Gbarazia","startTime":1109.886,"endTime":1113.156,"body":"that I would bring up that to,"},{"speaker":"Brighton Gbarazia","startTime":1113.606,"endTime":1115.021,"body":"they already think in that manner."},{"speaker":"Brighton Gbarazia","startTime":1115.021,"endTime":1118.932,"body":"I just help educate and say, okay"},{"speaker":"Brighton Gbarazia","startTime":1115.021,"endTime":1118.932,"body":"your thought process makes sense."},{"speaker":"Brighton Gbarazia","startTime":1119.262,"endTime":1123.552,"body":"I wouldn't be necessarily suggesting that"},{"speaker":"Brighton Gbarazia","startTime":1119.262,"endTime":1123.552,"body":"just to anyone, because that strategy"},{"speaker":"Brighton Gbarazia","startTime":1123.557,"endTime":1125.472,"body":"really requires someone to be disciplined."},{"speaker":"Brighton Gbarazia","startTime":1125.516,"endTime":1127.47,"body":"That friend I mention has"},{"speaker":"Brighton Gbarazia","startTime":1125.516,"endTime":1127.47,"body":"owned that property for 10."},{"speaker":"Brighton Gbarazia","startTime":1127.487,"endTime":1129.832,"body":"This is not just a one"},{"speaker":"Brighton Gbarazia","startTime":1127.487,"endTime":1129.832,"body":"thing, oh, 10 years."},{"speaker":"Brighton Gbarazia","startTime":1130.042,"endTime":1133.582,"body":"And that person's individually strong"},{"speaker":"Brighton Gbarazia","startTime":1130.042,"endTime":1133.582,"body":"in the lifestyle they wanna live, right?"},{"speaker":"Brighton Gbarazia","startTime":1133.882,"endTime":1135.112,"body":"Not all clients like that."},{"speaker":"Brighton Gbarazia","startTime":1135.112,"endTime":1137.242,"body":"They may say it's a good"},{"speaker":"Brighton Gbarazia","startTime":1135.112,"endTime":1137.242,"body":"thing, it makes sense."},{"speaker":"Brighton Gbarazia","startTime":1137.247,"endTime":1138.262,"body":"We talk about emotional."},{"speaker":"Brighton Gbarazia","startTime":1138.472,"endTime":1140.752,"body":"They may agree with me, they may be"},{"speaker":"Brighton Gbarazia","startTime":1138.472,"endTime":1140.752,"body":"nodding with me, but when it comes"},{"speaker":"Brighton Gbarazia","startTime":1140.752,"endTime":1143.932,"body":"time to implementing the strategy,"},{"speaker":"Brighton Gbarazia","startTime":1140.752,"endTime":1143.932,"body":"they're waiver on it, right?"},{"speaker":"Brighton Gbarazia","startTime":1143.932,"endTime":1145.972,"body":"Maybe now they move back"},{"speaker":"Brighton Gbarazia","startTime":1143.932,"endTime":1145.972,"body":"into the property, right?"},{"speaker":"Brighton Gbarazia","startTime":1145.972,"endTime":1148.188,"body":"Because they're going why would"},{"speaker":"Brighton Gbarazia","startTime":1145.972,"endTime":1148.188,"body":"I be paying rent to someone else?"},{"speaker":"Brighton Gbarazia","startTime":1148.188,"endTime":1149.898,"body":"And all these different things, right?"},{"speaker":"Brighton Gbarazia","startTime":1150.138,"endTime":1150.288,"body":"And."},{"speaker":"Brighton Gbarazia","startTime":1150.408,"endTime":1152.838,"body":"The reason why that makes sense and"},{"speaker":"Brighton Gbarazia","startTime":1150.408,"endTime":1152.838,"body":"why that conversations happened more"},{"speaker":"Brighton Gbarazia","startTime":1152.838,"endTime":1157.998,"body":"often, particularly under 35 years,"},{"speaker":"Brighton Gbarazia","startTime":1152.838,"endTime":1157.998,"body":"is because at this price point, it"},{"speaker":"Brighton Gbarazia","startTime":1157.998,"endTime":1163.608,"body":"starts to become even more obvious"},{"speaker":"Brighton Gbarazia","startTime":1157.998,"endTime":1163.608,"body":"that it is not a cashflow investment."},{"speaker":"Brighton Gbarazia","startTime":1163.908,"endTime":1168.108,"body":"Like they're giving up so much of their"},{"speaker":"Brighton Gbarazia","startTime":1163.908,"endTime":1168.108,"body":"income daily to put a roof over their"},{"speaker":"Brighton Gbarazia","startTime":1168.108,"endTime":1171.978,"body":"head, and they start to question, what is"},{"speaker":"Brighton Gbarazia","startTime":1168.108,"endTime":1171.978,"body":"the quality of that lifestyle I'm having?"},{"speaker":"Brighton Gbarazia","startTime":1172.318,"endTime":1175.578,"body":"What is the point of giving"},{"speaker":"Brighton Gbarazia","startTime":1172.318,"endTime":1175.578,"body":"so much of my income on a"},{"speaker":"Brighton Gbarazia","startTime":1175.578,"endTime":1177.318,"body":"day-to-day basis to someone else?"},{"speaker":"Brighton Gbarazia","startTime":1177.823,"endTime":1180.373,"body":"when I'm gonna be doing this"},{"speaker":"Brighton Gbarazia","startTime":1177.823,"endTime":1180.373,"body":"for the next 25 years, like I"},{"speaker":"Brighton Gbarazia","startTime":1180.373,"endTime":1181.603,"body":"don't wanna live that lifestyle."},{"speaker":"Brighton Gbarazia","startTime":1181.903,"endTime":1184.183,"body":"And when they realize that, I"},{"speaker":"Brighton Gbarazia","startTime":1181.903,"endTime":1184.183,"body":"think that's where the renting"},{"speaker":"Brighton Gbarazia","startTime":1184.183,"endTime":1186.553,"body":"thing starts to play a bigger role."},{"speaker":"Brighton Gbarazia","startTime":1186.793,"endTime":1190.273,"body":"And because in Vancouver, I don't know how"},{"speaker":"Brighton Gbarazia","startTime":1186.793,"endTime":1190.273,"body":"it is in Hawaii, but in Vancouver, just"},{"speaker":"Brighton Gbarazia","startTime":1190.273,"endTime":1194.143,"body":"the fundamentals of supply for us, like"},{"speaker":"Brighton Gbarazia","startTime":1190.273,"endTime":1194.143,"body":"there's just not enough homes, which means"},{"speaker":"Brighton Gbarazia","startTime":1194.148,"endTime":1195.943,"body":"these prices are gonna stay elevated."},{"speaker":"Brighton Gbarazia","startTime":1196.363,"endTime":1197.803,"body":"For as long as you can."},{"speaker":"Brighton Gbarazia","startTime":1198.073,"endTime":1200.533,"body":"And which means that if you've"},{"speaker":"Brighton Gbarazia","startTime":1198.073,"endTime":1200.533,"body":"gone in early, like I was fortunate"},{"speaker":"Brighton Gbarazia","startTime":1200.533,"endTime":1204.283,"body":"to get in early, you're gonna"},{"speaker":"Brighton Gbarazia","startTime":1200.533,"endTime":1204.283,"body":"benefit for the short to long term."},{"speaker":"Brighton Gbarazia","startTime":1204.3,"endTime":1207.882,"body":"But if you're trying to start the"},{"speaker":"Brighton Gbarazia","startTime":1204.3,"endTime":1207.882,"body":"game right now, it's really difficult."},{"speaker":"Brighton Gbarazia","startTime":1208.182,"endTime":1211.152,"body":"And people ask me all the times,"},{"speaker":"Brighton Gbarazia","startTime":1208.182,"endTime":1211.152,"body":"would I do buy my own home again?"},{"speaker":"Brighton Gbarazia","startTime":1211.152,"endTime":1214.722,"body":"I said, no, I wouldn't because it's"},{"speaker":"Brighton Gbarazia","startTime":1211.152,"endTime":1214.722,"body":"way too much cash flow access, right?"},{"speaker":"Brighton Gbarazia","startTime":1214.842,"endTime":1217.032,"body":"The home I'm in right now, I"},{"speaker":"Brighton Gbarazia","startTime":1214.842,"endTime":1217.032,"body":"wouldn't buy at the price when"},{"speaker":"Brighton Gbarazia","startTime":1217.032,"endTime":1218.232,"body":"it's currently for the market."},{"speaker":"Brighton Gbarazia","startTime":1218.422,"endTime":1221.242,"body":"What I would do though is what I"},{"speaker":"Brighton Gbarazia","startTime":1218.422,"endTime":1221.242,"body":"said earlier, which is I probably"},{"speaker":"Brighton Gbarazia","startTime":1221.247,"endTime":1224.032,"body":"buy it, but it'd probably be an"},{"speaker":"Brighton Gbarazia","startTime":1221.247,"endTime":1224.032,"body":"investment property, which means"},{"speaker":"Brighton Gbarazia","startTime":1224.272,"endTime":1225.502,"body":"the whole house would be rented."},{"speaker":"Brighton Gbarazia","startTime":1225.742,"endTime":1228.712,"body":"My family and I would probably live"},{"speaker":"Brighton Gbarazia","startTime":1225.742,"endTime":1228.712,"body":"in somewhere else, and then my hope"},{"speaker":"Brighton Gbarazia","startTime":1228.717,"endTime":1231.982,"body":"would be in 10 years, we've paid it"},{"speaker":"Brighton Gbarazia","startTime":1228.717,"endTime":1231.982,"body":"down enough that it makes sense for"},{"speaker":"Brighton Gbarazia","startTime":1231.982,"endTime":1236.392,"body":"my lifestyle to move into that home"},{"speaker":"Brighton Gbarazia","startTime":1231.982,"endTime":1236.392,"body":"or we just keep it going forever."},{"speaker":"Brighton Gbarazia","startTime":1236.392,"endTime":1238.552,"body":"And then that could be our"},{"speaker":"Brighton Gbarazia","startTime":1236.392,"endTime":1238.552,"body":"retirement plan down the road."},{"speaker":"Brighton Gbarazia","startTime":1238.852,"endTime":1242.362,"body":"So again, it's about thinking differently"},{"speaker":"Brighton Gbarazia","startTime":1238.852,"endTime":1242.362,"body":"based on the environment you're in"},{"speaker":"Brighton Gbarazia","startTime":1242.692,"endTime":1245.812,"body":"and not just doing the same thing"},{"speaker":"Brighton Gbarazia","startTime":1242.692,"endTime":1245.812,"body":"that you are accustomed to when the"},{"speaker":"Brighton Gbarazia","startTime":1245.812,"endTime":1249.112,"body":"environment and situation around here"},{"speaker":"Brighton Gbarazia","startTime":1245.812,"endTime":1249.112,"body":"is completely changed, but you're"},{"speaker":"Brighton Gbarazia","startTime":1249.112,"endTime":1252.292,"body":"still doing the same habits and"},{"speaker":"Brighton Gbarazia","startTime":1249.112,"endTime":1252.292,"body":"wondering like, why can't I buy a home?"},{"speaker":"Brighton Gbarazia","startTime":1252.316,"endTime":1253.796,"body":"Because it's completely out to your reach."},{"speaker":"Brighton Gbarazia","startTime":1253.816,"endTime":1254.716,"body":"You have to think about."},{"speaker":"Brighton Gbarazia","startTime":1255.321,"endTime":1256.041,"body":"differently, right?"},{"speaker":"Brighton Gbarazia","startTime":1256.401,"endTime":1257.751,"body":"So that's what I mean by that."},{"speaker":"Brighton Gbarazia","startTime":1257.751,"endTime":1258.517,"body":"But I agree with you, Mike."},{"speaker":"Brighton Gbarazia","startTime":1258.547,"endTime":1261.517,"body":"I think those conversations I'm"},{"speaker":"Brighton Gbarazia","startTime":1258.547,"endTime":1261.517,"body":"hearing are way more than I used to."},{"speaker":"Brighton Gbarazia","startTime":1261.967,"endTime":1265.237,"body":"But I think it's helping in my market"},{"speaker":"Brighton Gbarazia","startTime":1261.967,"endTime":1265.237,"body":"because the prices are so high."},{"speaker":"Brighton Gbarazia","startTime":1265.537,"endTime":1268.147,"body":"But if you take another market like"},{"speaker":"Brighton Gbarazia","startTime":1265.537,"endTime":1268.147,"body":"Calgary, which is just a neighboring"},{"speaker":"Brighton Gbarazia","startTime":1268.214,"endTime":1271.438,"body":"province, to me, more people still"},{"speaker":"Brighton Gbarazia","startTime":1268.214,"endTime":1271.438,"body":"own there because home ownership"},{"speaker":"Brighton Gbarazia","startTime":1271.438,"endTime":1273.328,"body":"is still way affordable over there."},{"speaker":"Brighton Gbarazia","startTime":1273.598,"endTime":1275.518,"body":"So it depends what market you're in."},{"speaker":"Brighton Gbarazia","startTime":1275.728,"endTime":1278.668,"body":"But if you're in a high price market,"},{"speaker":"Brighton Gbarazia","startTime":1275.728,"endTime":1278.668,"body":"I think that strategy makes more sense."},{"speaker":"Brighton Gbarazia","startTime":1278.968,"endTime":1281.963,"body":"But if you're in Alberta, which is"},{"speaker":"Brighton Gbarazia","startTime":1278.968,"endTime":1281.963,"body":"next door to British Columbia, It's"},{"speaker":"Brighton Gbarazia","startTime":1281.963,"endTime":1283.403,"body":"still really affordable to buy a home."},{"speaker":"Brighton Gbarazia","startTime":1283.403,"endTime":1286.219,"body":"You can buy a nice reasonable"},{"speaker":"Brighton Gbarazia","startTime":1283.403,"endTime":1286.219,"body":"home for like 300,000 Alberta."},{"speaker":"Brighton Gbarazia","startTime":1286.72,"endTime":1289.12,"body":"So like it's still the"},{"speaker":"Brighton Gbarazia","startTime":1286.72,"endTime":1289.12,"body":"rent versus ownership."},{"speaker":"Brighton Gbarazia","startTime":1289.69,"endTime":1292.63,"body":"Ownership makes more sense in that"},{"speaker":"Brighton Gbarazia","startTime":1289.69,"endTime":1292.63,"body":"market than say, Vancouver, where"},{"speaker":"Brighton Gbarazia","startTime":1292.96,"endTime":1294.79,"body":"it's completely skewed the other way."},{"speaker":"Brighton Gbarazia","startTime":1294.795,"endTime":1299.08,"body":"Where it's just way too expensive,"},{"speaker":"Brighton Gbarazia","startTime":1294.795,"endTime":1299.08,"body":"too much cash flow outflow going out"},{"speaker":"Brighton Gbarazia","startTime":1299.085,"endTime":1302.62,"body":"every month, that it doesn't make sense"},{"speaker":"Brighton Gbarazia","startTime":1299.085,"endTime":1302.62,"body":"necessarily to own, even if there may"},{"speaker":"Brighton Gbarazia","startTime":1302.62,"endTime":1306.112,"body":"be a long-term benefit, just day-to-day"},{"speaker":"Brighton Gbarazia","startTime":1302.62,"endTime":1306.112,"body":"people can't sustain that lifestyle"},{"speaker":"Brighton Gbarazia","startTime":1306.282,"endTime":1310.41,"body":"for like 10, 15, 25 years cause it"},{"speaker":"Brighton Gbarazia","startTime":1306.282,"endTime":1310.41,"body":"sucks so much income out of their life."},{"speaker":"Average Joe Finances","startTime":1310.519,"endTime":1313.223,"body":"Yeah, Brighton"},{"speaker":"Average Joe Finances","startTime":1310.519,"endTime":1313.223,"body":"you hit a lot of key things there."},{"speaker":"Average Joe Finances","startTime":1313.311,"endTime":1317.674,"body":"And one of the things I want to talk about"},{"speaker":"Average Joe Finances","startTime":1313.311,"endTime":1317.674,"body":"is, the inventory of the market right now."},{"speaker":"Average Joe Finances","startTime":1317.722,"endTime":1321.36,"body":"When you were describing how the"},{"speaker":"Average Joe Finances","startTime":1317.722,"endTime":1321.36,"body":"prices there are staying steady"},{"speaker":"Average Joe Finances","startTime":1321.36,"endTime":1325.653,"body":"because there is a low inventory right"},{"speaker":"Average Joe Finances","startTime":1321.36,"endTime":1325.653,"body":"of properties that are available."},{"speaker":"Average Joe Finances","startTime":1325.863,"endTime":1327.633,"body":"And it's the same thing out"},{"speaker":"Average Joe Finances","startTime":1325.863,"endTime":1327.633,"body":"here in Hawaii, and that's"},{"speaker":"Average Joe Finances","startTime":1328.063,"endTime":1330.873,"body":"actually always been a problem in"},{"speaker":"Average Joe Finances","startTime":1328.063,"endTime":1330.873,"body":"Hawaii, is the actual inventory."},{"speaker":"Average Joe Finances","startTime":1330.999,"endTime":1332.679,"body":"It's always been very tough."},{"speaker":"Average Joe Finances","startTime":1332.684,"endTime":1335.563,"body":"And then of course with the"},{"speaker":"Average Joe Finances","startTime":1332.684,"endTime":1335.563,"body":"pandemic it made it even crazier."},{"speaker":"Average Joe Finances","startTime":1335.563,"endTime":1338.199,"body":"And the thing is like that and that's I"},{"speaker":"Average Joe Finances","startTime":1335.563,"endTime":1338.199,"body":"think that's what people don't realize."},{"speaker":"Average Joe Finances","startTime":1338.199,"endTime":1340.386,"body":"They're like why aren't the"},{"speaker":"Average Joe Finances","startTime":1338.199,"endTime":1340.386,"body":"prices like dropping more?"},{"speaker":"Average Joe Finances","startTime":1340.447,"endTime":1344.017,"body":"cause you'll see like a property"},{"speaker":"Average Joe Finances","startTime":1340.447,"endTime":1344.017,"body":"that's listed, at 1,000,100 thousand"},{"speaker":"Average Joe Finances","startTime":1344.017,"endTime":1345.667,"body":"and then they'll drop it 50,000."},{"speaker":"Average Joe Finances","startTime":1345.68,"endTime":1346.896,"body":"Oh, how come they haven't dropped it more?"},{"speaker":"Average Joe Finances","startTime":1346.896,"endTime":1346.955,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1346.955,"endTime":1349.972,"body":"50 thousand's a lot for for"},{"speaker":"Average Joe Finances","startTime":1346.955,"endTime":1349.972,"body":"the reason why they dropped it."},{"speaker":"Average Joe Finances","startTime":1350.041,"endTime":1354.138,"body":"The values of these properties are"},{"speaker":"Average Joe Finances","startTime":1350.041,"endTime":1354.138,"body":"not going down because there's no"},{"speaker":"Average Joe Finances","startTime":1354.138,"endTime":1355.638,"body":"other properties really being built."},{"speaker":"Average Joe Finances","startTime":1355.848,"endTime":1358.611,"body":"We have some that are"},{"speaker":"Average Joe Finances","startTime":1355.848,"endTime":1358.611,"body":"being built, but not much."},{"speaker":"Average Joe Finances","startTime":1358.654,"endTime":1361.624,"body":"There's only so much land that we"},{"speaker":"Average Joe Finances","startTime":1358.654,"endTime":1361.624,"body":"have out here before, before you can't"},{"speaker":"Average Joe Finances","startTime":1361.624,"endTime":1363.225,"body":"build anything any anymore anyway."},{"speaker":"Average Joe Finances","startTime":1363.23,"endTime":1366.149,"body":"But the same thing though with some"},{"speaker":"Average Joe Finances","startTime":1363.23,"endTime":1366.149,"body":"of the shortages and the supply chain"},{"speaker":"Average Joe Finances","startTime":1366.154,"endTime":1369.599,"body":"and things like that, it's caused a"},{"speaker":"Average Joe Finances","startTime":1366.154,"endTime":1369.599,"body":"lot of these home developers to not"},{"speaker":"Average Joe Finances","startTime":1369.599,"endTime":1371.549,"body":"be able to finish projects on time."},{"speaker":"Average Joe Finances","startTime":1372.184,"endTime":1374.614,"body":"Or increased costs that"},{"speaker":"Average Joe Finances","startTime":1372.184,"endTime":1374.614,"body":"they have to deal with."},{"speaker":"Average Joe Finances","startTime":1374.614,"endTime":1376.886,"body":"So now the properties that they're"},{"speaker":"Average Joe Finances","startTime":1374.614,"endTime":1376.886,"body":"building that you thought you"},{"speaker":"Average Joe Finances","startTime":1376.886,"endTime":1379.686,"body":"were getting at a certain price"},{"speaker":"Average Joe Finances","startTime":1376.886,"endTime":1379.686,"body":"point now have to go up in price."},{"speaker":"Average Joe Finances","startTime":1379.7,"endTime":1381.957,"body":"So there's a lot of factors"},{"speaker":"Average Joe Finances","startTime":1379.7,"endTime":1381.957,"body":"that come into that."},{"speaker":"Average Joe Finances","startTime":1381.957,"endTime":1385.461,"body":"But the inventory piece I think is huge"},{"speaker":"Average Joe Finances","startTime":1381.957,"endTime":1385.461,"body":"so I'm glad that you mentioned that."},{"speaker":"Average Joe Finances","startTime":1385.464,"endTime":1388.63,"body":"And it's a thing that it needs to be"},{"speaker":"Average Joe Finances","startTime":1385.464,"endTime":1388.63,"body":"in the back of people's heads when they"},{"speaker":"Average Joe Finances","startTime":1388.63,"endTime":1391.04,"body":"start looking to go purchase a property."},{"speaker":"Average Joe Finances","startTime":1391.34,"endTime":1394.623,"body":"Just understanding how the market itself"},{"speaker":"Average Joe Finances","startTime":1391.34,"endTime":1394.623,"body":"works, and that's why it's important"},{"speaker":"Average Joe Finances","startTime":1394.623,"endTime":1396.303,"body":"that you have a really good team, right?"},{"speaker":"Average Joe Finances","startTime":1396.603,"endTime":1400.223,"body":"You have a really good real estate agent"},{"speaker":"Average Joe Finances","startTime":1396.603,"endTime":1400.223,"body":"that knows the market you're working in."},{"speaker":"Average Joe Finances","startTime":1400.523,"endTime":1405.326,"body":"You have a really good, lender that"},{"speaker":"Average Joe Finances","startTime":1400.523,"endTime":1405.326,"body":"understands, what your capabilities"},{"speaker":"Average Joe Finances","startTime":1405.326,"endTime":1408.266,"body":"are right to make sure that you're"},{"speaker":"Average Joe Finances","startTime":1405.326,"endTime":1408.266,"body":"pre-approved for the loan that you"},{"speaker":"Average Joe Finances","startTime":1408.266,"endTime":1410.803,"body":"need to have and to make sure you're"},{"speaker":"Average Joe Finances","startTime":1408.266,"endTime":1410.803,"body":"not gonna over-leverage yourself."},{"speaker":"Average Joe Finances","startTime":1410.803,"endTime":1413.218,"body":"Because that's one of those things"},{"speaker":"Average Joe Finances","startTime":1410.803,"endTime":1413.218,"body":"you don't wanna see people doing is"},{"speaker":"Average Joe Finances","startTime":1413.218,"endTime":1416.758,"body":"where they take out a loan too big"},{"speaker":"Average Joe Finances","startTime":1413.218,"endTime":1416.758,"body":"and they think, okay, I got this."},{"speaker":"Average Joe Finances","startTime":1416.758,"endTime":1418.138,"body":"I'm pre-approved and I'm"},{"speaker":"Average Joe Finances","startTime":1416.758,"endTime":1418.138,"body":"gonna go buy this home."},{"speaker":"Average Joe Finances","startTime":1418.138,"endTime":1420.958,"body":"And then they buy the home and they're"},{"speaker":"Average Joe Finances","startTime":1418.138,"endTime":1420.958,"body":"like, cool, I could afford this mortgage."},{"speaker":"Average Joe Finances","startTime":1420.958,"endTime":1422.828,"body":"And they're like, oh wait, property taxes."},{"speaker":"Average Joe Finances","startTime":1422.918,"endTime":1425.059,"body":"Oh, wait in, homeowner's insurance?"},{"speaker":"Average Joe Finances","startTime":1425.149,"endTime":1425.209,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1425.419,"endTime":1425.599,"body":"Oh."},{"speaker":"Average Joe Finances","startTime":1425.605,"endTime":1428.39,"body":"We have an assessment that came up"},{"speaker":"Average Joe Finances","startTime":1425.605,"endTime":1428.39,"body":"for whatever, or, oh, wait here's"},{"speaker":"Average Joe Finances","startTime":1428.39,"endTime":1429.74,"body":"a homeowner's association fee."},{"speaker":"Average Joe Finances","startTime":1429.74,"endTime":1431.03,"body":"I got a pay that I didn't know about."},{"speaker":"Average Joe Finances","startTime":1431.24,"endTime":1435.001,"body":"So it's very important to have all"},{"speaker":"Average Joe Finances","startTime":1431.24,"endTime":1435.001,"body":"this information upfront before you"},{"speaker":"Average Joe Finances","startTime":1435.001,"endTime":1438.031,"body":"make that huge emotional decision."},{"speaker":"Average Joe Finances","startTime":1438.106,"endTime":1438.824,"body":"Yeah that's huge, man."},{"speaker":"Average Joe Finances","startTime":1438.829,"endTime":1442.38,"body":"So actually speaking of that, because I"},{"speaker":"Average Joe Finances","startTime":1438.829,"endTime":1442.38,"body":"just outlined a couple of mistakes, but"},{"speaker":"Average Joe Finances","startTime":1442.451,"endTime":1447.141,"body":"what are some common mistakes that you've"},{"speaker":"Average Joe Finances","startTime":1442.451,"endTime":1447.141,"body":"seen people make when buying a home?"},{"speaker":"Brighton Gbarazia","startTime":1447.241,"endTime":1448.121,"body":"Yeah, oh man."},{"speaker":"Brighton Gbarazia","startTime":1448.321,"endTime":1449.911,"body":"Maybe we'll have to do another podcast."},{"speaker":"Brighton Gbarazia","startTime":1449.911,"endTime":1451.591,"body":"Your mic just cover this."},{"speaker":"Brighton Gbarazia","startTime":1451.591,"endTime":1453.661,"body":"We can share with each"},{"speaker":"Brighton Gbarazia","startTime":1451.591,"endTime":1453.661,"body":"other and never seen."},{"speaker":"Brighton Gbarazia","startTime":1454.274,"endTime":1457.751,"body":"I think the biggest, the overarching"},{"speaker":"Brighton Gbarazia","startTime":1454.274,"endTime":1457.751,"body":"thing is just we're not really"},{"speaker":"Brighton Gbarazia","startTime":1457.756,"endTime":1459.551,"body":"clear about what we want initially."},{"speaker":"Brighton Gbarazia","startTime":1459.551,"endTime":1461.921,"body":"Like when you started this"},{"speaker":"Brighton Gbarazia","startTime":1459.551,"endTime":1461.921,"body":"journey, we're just not clear."},{"speaker":"Brighton Gbarazia","startTime":1461.951,"endTime":1466.391,"body":"Even I, it took me a while and I said"},{"speaker":"Brighton Gbarazia","startTime":1461.951,"endTime":1466.391,"body":"in my book, the reason I was successful."},{"speaker":"Brighton Gbarazia","startTime":1466.776,"endTime":1471.276,"body":"At my initial first purchase was because I"},{"speaker":"Brighton Gbarazia","startTime":1466.776,"endTime":1471.276,"body":"worked at the bank, so I would meet these"},{"speaker":"Brighton Gbarazia","startTime":1471.276,"endTime":1475.716,"body":"clients that own property or investment"},{"speaker":"Brighton Gbarazia","startTime":1471.276,"endTime":1475.716,"body":"property, and I would literally just work"},{"speaker":"Brighton Gbarazia","startTime":1475.716,"endTime":1477.996,"body":"my conversation to buying a home into it."},{"speaker":"Brighton Gbarazia","startTime":1478.421,"endTime":1479.681,"body":"And they kept giving me advice."},{"speaker":"Brighton Gbarazia","startTime":1479.681,"endTime":1483.041,"body":"And what I found was people who"},{"speaker":"Brighton Gbarazia","startTime":1479.681,"endTime":1483.041,"body":"did the home successfully, they"},{"speaker":"Brighton Gbarazia","startTime":1483.041,"endTime":1484.841,"body":"kept stressing the mortgage debt."},{"speaker":"Brighton Gbarazia","startTime":1484.841,"endTime":1487.721,"body":"Like they just kept stressing"},{"speaker":"Brighton Gbarazia","startTime":1484.841,"endTime":1487.721,"body":"it over and over to me."},{"speaker":"Brighton Gbarazia","startTime":1488.051,"endTime":1490.691,"body":"The investors, my clients"},{"speaker":"Brighton Gbarazia","startTime":1488.051,"endTime":1490.691,"body":"that were investor, they kept"},{"speaker":"Brighton Gbarazia","startTime":1490.691,"endTime":1492.489,"body":"stressing cash flow, right?"},{"speaker":"Brighton Gbarazia","startTime":1492.579,"endTime":1493.779,"body":"Just focus on cash flow."},{"speaker":"Brighton Gbarazia","startTime":1493.779,"endTime":1498.369,"body":"So when I went my first purchase,"},{"speaker":"Brighton Gbarazia","startTime":1493.779,"endTime":1498.369,"body":"like I said, I was an emotional wreck."},{"speaker":"Brighton Gbarazia","startTime":1498.429,"endTime":1502.599,"body":"I didn't know that I was using my home"},{"speaker":"Brighton Gbarazia","startTime":1498.429,"endTime":1502.599,"body":"as a way to show that I was successful."},{"speaker":"Brighton Gbarazia","startTime":1502.869,"endTime":1503.979,"body":"Like I really didn't think of that."},{"speaker":"Brighton Gbarazia","startTime":1503.979,"endTime":1505.567,"body":"I was just like, oh,"},{"speaker":"Brighton Gbarazia","startTime":1503.979,"endTime":1505.567,"body":"I've got a good career."},{"speaker":"Brighton Gbarazia","startTime":1505.837,"endTime":1507.217,"body":"The next step is to buy a home."},{"speaker":"Brighton Gbarazia","startTime":1507.427,"endTime":1508.897,"body":"That's what I was thinking myself."},{"speaker":"Brighton Gbarazia","startTime":1508.897,"endTime":1511.867,"body":"But realistically, what I was"},{"speaker":"Brighton Gbarazia","startTime":1508.897,"endTime":1511.867,"body":"doing is I was using my home"},{"speaker":"Brighton Gbarazia","startTime":1511.867,"endTime":1513.247,"body":"as this guys for success."},{"speaker":"Brighton Gbarazia","startTime":1513.247,"endTime":1516.337,"body":"I wanted people to just see the home"},{"speaker":"Brighton Gbarazia","startTime":1513.247,"endTime":1516.337,"body":"and then automatically attached that"},{"speaker":"Brighton Gbarazia","startTime":1516.337,"endTime":1518.167,"body":"I'm successful because I have this home."},{"speaker":"Brighton Gbarazia","startTime":1518.497,"endTime":1520.367,"body":"So it took me a while"},{"speaker":"Brighton Gbarazia","startTime":1518.497,"endTime":1520.367,"body":"to know that I think."},{"speaker":"Brighton Gbarazia","startTime":1520.922,"endTime":1521.792,"body":"like you and I will know."},{"speaker":"Brighton Gbarazia","startTime":1521.792,"endTime":1524.612,"body":"The typical thing for first time home"},{"speaker":"Brighton Gbarazia","startTime":1521.792,"endTime":1524.612,"body":"buyers, like they don't like the things"},{"speaker":"Brighton Gbarazia","startTime":1524.612,"endTime":1527.372,"body":"you point at, they don't know there's"},{"speaker":"Brighton Gbarazia","startTime":1524.612,"endTime":1527.372,"body":"other expense, like property tax,"},{"speaker":"Brighton Gbarazia","startTime":1527.372,"endTime":1529.532,"body":"like insurance, like water utility."},{"speaker":"Brighton Gbarazia","startTime":1529.646,"endTime":1532.886,"body":"They will typically come from a place,"},{"speaker":"Brighton Gbarazia","startTime":1529.646,"endTime":1532.886,"body":"maybe they're paying rent, so they will go"},{"speaker":"Brighton Gbarazia","startTime":1532.891,"endTime":1534.836,"body":"rent to mortgage and they think that's it."},{"speaker":"Brighton Gbarazia","startTime":1534.841,"endTime":1535.676,"body":"And I go, no."},{"speaker":"Brighton Gbarazia","startTime":1536.191,"endTime":1539.281,"body":"Yeah, rent to mortgage is not really"},{"speaker":"Brighton Gbarazia","startTime":1536.191,"endTime":1539.281,"body":"an apples to apples comparison."},{"speaker":"Brighton Gbarazia","startTime":1539.281,"endTime":1543.121,"body":"What you have to do is if you're paying a"},{"speaker":"Brighton Gbarazia","startTime":1539.281,"endTime":1543.121,"body":"certain amount of rent, you have to figure"},{"speaker":"Brighton Gbarazia","startTime":1543.121,"endTime":1547.921,"body":"out what the total home ownership cost"},{"speaker":"Brighton Gbarazia","startTime":1543.121,"endTime":1547.921,"body":"is to own a home, and then compare that."},{"speaker":"Brighton Gbarazia","startTime":1548.251,"endTime":1553.082,"body":"So the rent payment would be comparing"},{"speaker":"Brighton Gbarazia","startTime":1548.251,"endTime":1553.082,"body":"to the mortgage, the property taxes,"},{"speaker":"Brighton Gbarazia","startTime":1553.087,"endTime":1556.492,"body":"the insurance the person has to pay,"},{"speaker":"Brighton Gbarazia","startTime":1553.087,"endTime":1556.492,"body":"and all the other expense that are"},{"speaker":"Brighton Gbarazia","startTime":1556.497,"endTime":1560.402,"body":"required for that individual to pay,"},{"speaker":"Brighton Gbarazia","startTime":1556.497,"endTime":1560.402,"body":"to continue to live in that home."},{"speaker":"Brighton Gbarazia","startTime":1560.992,"endTime":1563.692,"body":"And then you factor that into your"},{"speaker":"Brighton Gbarazia","startTime":1560.992,"endTime":1563.692,"body":"actual rent payment, cause that'll"},{"speaker":"Brighton Gbarazia","startTime":1563.692,"endTime":1565.072,"body":"give you a proper assessment on it."},{"speaker":"Brighton Gbarazia","startTime":1565.522,"endTime":1569.392,"body":"So I think the biggest thing is,"},{"speaker":"Brighton Gbarazia","startTime":1565.522,"endTime":1569.392,"body":"like you said, most of us are"},{"speaker":"Brighton Gbarazia","startTime":1569.392,"endTime":1571.012,"body":"emotionally driven by something else."},{"speaker":"Brighton Gbarazia","startTime":1571.012,"endTime":1572.542,"body":"We think we just wanna buy the home."},{"speaker":"Brighton Gbarazia","startTime":1572.542,"endTime":1574.192,"body":"But really there's"},{"speaker":"Brighton Gbarazia","startTime":1572.542,"endTime":1574.192,"body":"something else happening."},{"speaker":"Brighton Gbarazia","startTime":1574.192,"endTime":1578.332,"body":"We're not willing to be honest about"},{"speaker":"Brighton Gbarazia","startTime":1574.192,"endTime":1578.332,"body":"that until someone points it out to us."},{"speaker":"Brighton Gbarazia","startTime":1578.362,"endTime":1580.372,"body":"Oh, we take a deep dive into ourselves."},{"speaker":"Brighton Gbarazia","startTime":1580.792,"endTime":1583.822,"body":"And then the second thing there's comment"},{"speaker":"Brighton Gbarazia","startTime":1580.792,"endTime":1583.822,"body":"I wanna tell you is just first time"},{"speaker":"Brighton Gbarazia","startTime":1583.822,"endTime":1587.075,"body":"home buyers, they just don't know all"},{"speaker":"Brighton Gbarazia","startTime":1583.822,"endTime":1587.075,"body":"the expenses associated with they're"},{"speaker":"Brighton Gbarazia","startTime":1587.08,"endTime":1588.87,"body":"really not aware of house breakdown."},{"speaker":"Brighton Gbarazia","startTime":1588.887,"endTime":1590.087,"body":"And that's your cost."},{"speaker":"Brighton Gbarazia","startTime":1590.087,"endTime":1591.407,"body":"The bank doesn't come to fix that."},{"speaker":"Brighton Gbarazia","startTime":1591.707,"endTime":1593.477,"body":"Like a new gutter needs to be replaced."},{"speaker":"Brighton Gbarazia","startTime":1593.717,"endTime":1594.527,"body":"That's your cost."},{"speaker":"Brighton Gbarazia","startTime":1594.541,"endTime":1595.745,"body":"No one is coming to fix that."},{"speaker":"Brighton Gbarazia","startTime":1595.745,"endTime":1599.087,"body":"Or the maintenance are just"},{"speaker":"Brighton Gbarazia","startTime":1595.745,"endTime":1599.087,"body":"involved in keeping a home going."},{"speaker":"Brighton Gbarazia","startTime":1599.477,"endTime":1601.127,"body":"People are not really aware of that."},{"speaker":"Brighton Gbarazia","startTime":1601.127,"endTime":1604.757,"body":"Or if they are, they really don't"},{"speaker":"Brighton Gbarazia","startTime":1601.127,"endTime":1604.757,"body":"appreciate how cost that can"},{"speaker":"Brighton Gbarazia","startTime":1604.757,"endTime":1608.227,"body":"be, especially if you get into"},{"speaker":"Brighton Gbarazia","startTime":1604.757,"endTime":1608.227,"body":"a home where you just got in."},{"speaker":"Brighton Gbarazia","startTime":1608.667,"endTime":1610.557,"body":"You don't have a lot of free cash flow."},{"speaker":"Brighton Gbarazia","startTime":1610.767,"endTime":1613.557,"body":"So you get into the home, you're"},{"speaker":"Brighton Gbarazia","startTime":1610.767,"endTime":1613.557,"body":"excited, and then two months later,"},{"speaker":"Brighton Gbarazia","startTime":1613.557,"endTime":1616.797,"body":"something's wrong with the gutter"},{"speaker":"Brighton Gbarazia","startTime":1613.557,"endTime":1616.797,"body":"and that's $1,200 you have to pay."},{"speaker":"Brighton Gbarazia","startTime":1617.037,"endTime":1618.627,"body":"And you're like, I don't have $1,200."},{"speaker":"Brighton Gbarazia","startTime":1618.627,"endTime":1619.647,"body":"So guess where it goes?"},{"speaker":"Brighton Gbarazia","startTime":1619.737,"endTime":1620.337,"body":"Credit card."},{"speaker":"Brighton Gbarazia","startTime":1620.366,"endTime":1622.016,"body":"And then the cycle kind of starts."},{"speaker":"Brighton Gbarazia","startTime":1622.346,"endTime":1626.841,"body":"And then I think the final thing for"},{"speaker":"Brighton Gbarazia","startTime":1622.346,"endTime":1626.841,"body":"my existing homeowners that have home."},{"speaker":"Brighton Gbarazia","startTime":1627.201,"endTime":1631.791,"body":"The biggest thing they do is they"},{"speaker":"Brighton Gbarazia","startTime":1627.201,"endTime":1631.791,"body":"constantly refinance their home."},{"speaker":"Brighton Gbarazia","startTime":1632.151,"endTime":1637.811,"body":"And I am not a fan of constant refinance,"},{"speaker":"Brighton Gbarazia","startTime":1632.151,"endTime":1637.811,"body":"particularly if it's a principle resident."},{"speaker":"Brighton Gbarazia","startTime":1638.031,"endTime":1640.953,"body":"I view refinancing, like when"},{"speaker":"Brighton Gbarazia","startTime":1638.031,"endTime":1640.953,"body":"you own a business and you have"},{"speaker":"Brighton Gbarazia","startTime":1640.978,"endTime":1642.173,"body":"retained earnings at the end."},{"speaker":"Brighton Gbarazia","startTime":1642.538,"endTime":1646.498,"body":"Like you shouldn't just get your retain"},{"speaker":"Brighton Gbarazia","startTime":1642.538,"endTime":1646.498,"body":"earnings to go spend on vacation, whatever"},{"speaker":"Brighton Gbarazia","startTime":1646.528,"endTime":1650.608,"body":"that retainer is in there to try to help"},{"speaker":"Brighton Gbarazia","startTime":1646.528,"endTime":1650.608,"body":"the business be more successful, right?"},{"speaker":"Brighton Gbarazia","startTime":1650.608,"endTime":1653.188,"body":"So when you take the money out to the"},{"speaker":"Brighton Gbarazia","startTime":1650.608,"endTime":1653.188,"body":"company, you should be on things that"},{"speaker":"Brighton Gbarazia","startTime":1653.188,"endTime":1654.898,"body":"can actually improve the business."},{"speaker":"Brighton Gbarazia","startTime":1655.288,"endTime":1659.098,"body":"And to me, I use that analogy of my"},{"speaker":"Brighton Gbarazia","startTime":1655.288,"endTime":1659.098,"body":"clients and say, your equity you build"},{"speaker":"Brighton Gbarazia","startTime":1659.098,"endTime":1660.808,"body":"up is like your retained earning."},{"speaker":"Brighton Gbarazia","startTime":1661.258,"endTime":1665.128,"body":"Why would you take that back out"},{"speaker":"Brighton Gbarazia","startTime":1661.258,"endTime":1665.128,"body":"to go give back to the lender"},{"speaker":"Brighton Gbarazia","startTime":1665.128,"endTime":1666.788,"body":"to charge her a higher interest?"},{"speaker":"Brighton Gbarazia","startTime":1666.918,"endTime":1670.368,"body":"You just worked all this time paying down"},{"speaker":"Brighton Gbarazia","startTime":1666.918,"endTime":1670.368,"body":"the mortgage to bring through a certain"},{"speaker":"Brighton Gbarazia","startTime":1670.368,"endTime":1673.578,"body":"level and now you're gonna give it back"},{"speaker":"Brighton Gbarazia","startTime":1670.368,"endTime":1673.578,"body":"to lend to make more money off you."},{"speaker":"Brighton Gbarazia","startTime":1673.968,"endTime":1678.288,"body":"And the worst part with my existing"},{"speaker":"Brighton Gbarazia","startTime":1673.968,"endTime":1678.288,"body":"clients is most of that refinancing"},{"speaker":"Brighton Gbarazia","startTime":1678.678,"endTime":1681.168,"body":"is done for credit card consolidation."},{"speaker":"Brighton Gbarazia","startTime":1681.543,"endTime":1684.783,"body":"So now they're taking good"},{"speaker":"Brighton Gbarazia","startTime":1681.543,"endTime":1684.783,"body":"debt that they had and they're"},{"speaker":"Brighton Gbarazia","startTime":1684.873,"endTime":1686.463,"body":"bringing in to pay off bad debt."},{"speaker":"Brighton Gbarazia","startTime":1686.673,"endTime":1689.943,"body":"And they continue to do that because"},{"speaker":"Brighton Gbarazia","startTime":1686.673,"endTime":1689.943,"body":"they have a cashflow deficit, right?"},{"speaker":"Brighton Gbarazia","startTime":1690.303,"endTime":1691.983,"body":"And that's something that"},{"speaker":"Brighton Gbarazia","startTime":1690.303,"endTime":1691.983,"body":"I really try to tap with."},{"speaker":"Brighton Gbarazia","startTime":1692.053,"endTime":1693.703,"body":"You shouldn't just refinance."},{"speaker":"Brighton Gbarazia","startTime":1693.703,"endTime":1695.838,"body":"And I think Mike, we have all"},{"speaker":"Brighton Gbarazia","startTime":1693.703,"endTime":1695.838,"body":"these new products, right?"},{"speaker":"Brighton Gbarazia","startTime":1695.838,"endTime":1696.778,"body":"Equity line credits."},{"speaker":"Brighton Gbarazia","startTime":1696.798,"endTime":1700.848,"body":"So easy to tap into that equity"},{"speaker":"Brighton Gbarazia","startTime":1696.798,"endTime":1700.848,"body":"nowadays that I try to tell my clients,"},{"speaker":"Brighton Gbarazia","startTime":1701.148,"endTime":1704.009,"body":"if you have a home and you've done a"},{"speaker":"Brighton Gbarazia","startTime":1701.148,"endTime":1704.009,"body":"really good job, when you're paying"},{"speaker":"Brighton Gbarazia","startTime":1704.014,"endTime":1705.918,"body":"that down, that is your payday."},{"speaker":"Brighton Gbarazia","startTime":1705.918,"endTime":1707.238,"body":"That is your retained earning."},{"speaker":"Brighton Gbarazia","startTime":1707.538,"endTime":1708.828,"body":"If you're gonna take that equity."},{"speaker":"Brighton Gbarazia","startTime":1709.473,"endTime":1711.84,"body":"Do it on things that is gonna"},{"speaker":"Brighton Gbarazia","startTime":1709.473,"endTime":1711.84,"body":"produce more cash for you."},{"speaker":"Brighton Gbarazia","startTime":1711.84,"endTime":1714.379,"body":"Try not to just do it"},{"speaker":"Brighton Gbarazia","startTime":1711.84,"endTime":1714.379,"body":"to go get a new vehicle."},{"speaker":"Brighton Gbarazia","startTime":1714.679,"endTime":1717.689,"body":"Like I know you need a new vehicle,"},{"speaker":"Brighton Gbarazia","startTime":1714.679,"endTime":1717.689,"body":"but that's a depreciating asset,"},{"speaker":"Brighton Gbarazia","startTime":1717.709,"endTime":1720.769,"body":"and now you've just taken good debt"},{"speaker":"Brighton Gbarazia","startTime":1717.709,"endTime":1720.769,"body":"and made even worse debt, right?"},{"speaker":"Brighton Gbarazia","startTime":1720.769,"endTime":1721.789,"body":"That you've paid down on."},{"speaker":"Brighton Gbarazia","startTime":1721.789,"endTime":1724.789,"body":"So those are big things I know went"},{"speaker":"Brighton Gbarazia","startTime":1721.789,"endTime":1724.789,"body":"in circle, but if you're starting"},{"speaker":"Brighton Gbarazia","startTime":1724.794,"endTime":1727.413,"body":"out, I would say, most people,"},{"speaker":"Brighton Gbarazia","startTime":1724.794,"endTime":1727.413,"body":"they're buying a home for other"},{"speaker":"Brighton Gbarazia","startTime":1727.418,"endTime":1728.703,"body":"reasons other than just buying a home."},{"speaker":"Brighton Gbarazia","startTime":1728.703,"endTime":1730.663,"body":"But they tell themselves they"},{"speaker":"Brighton Gbarazia","startTime":1728.703,"endTime":1730.663,"body":"keep buying a home for that."},{"speaker":"Brighton Gbarazia","startTime":1730.883,"endTime":1733.838,"body":"No, there's an emotional thing why"},{"speaker":"Brighton Gbarazia","startTime":1730.883,"endTime":1733.838,"body":"you're buying a home, so figure that out."},{"speaker":"Brighton Gbarazia","startTime":1734.258,"endTime":1736.148,"body":"And then the second thing"},{"speaker":"Brighton Gbarazia","startTime":1734.258,"endTime":1736.148,"body":"is most part, just not aware"},{"speaker":"Brighton Gbarazia","startTime":1736.148,"endTime":1737.288,"body":"with the full cost of a home."},{"speaker":"Brighton Gbarazia","startTime":1737.288,"endTime":1740.708,"body":"They don't appreciate that,"},{"speaker":"Brighton Gbarazia","startTime":1737.288,"endTime":1740.708,"body":"hey, this home takes a lot of"},{"speaker":"Brighton Gbarazia","startTime":1740.738,"endTime":1742.358,"body":"energy and effort to maintain."},{"speaker":"Brighton Gbarazia","startTime":1742.718,"endTime":1746.108,"body":"And then for once they get the home and"},{"speaker":"Brighton Gbarazia","startTime":1742.718,"endTime":1746.108,"body":"they've been working on it for five, 10"},{"speaker":"Brighton Gbarazia","startTime":1746.113,"endTime":1750.068,"body":"years, they start to frequently refinance"},{"speaker":"Brighton Gbarazia","startTime":1746.113,"endTime":1750.068,"body":"every time their property goes up."},{"speaker":"Brighton Gbarazia","startTime":1750.338,"endTime":1753.098,"body":"And they don't understand that they're"},{"speaker":"Brighton Gbarazia","startTime":1750.338,"endTime":1753.098,"body":"taking their retained earnings and"},{"speaker":"Brighton Gbarazia","startTime":1753.098,"endTime":1754.523,"body":"giving it right back to the bank."},{"speaker":"Brighton Gbarazia","startTime":1754.773,"endTime":1756.247,"body":"To charge a more interest on it."},{"speaker":"Brighton Gbarazia","startTime":1756.303,"endTime":1759.476,"body":"So those the three things I would"},{"speaker":"Brighton Gbarazia","startTime":1756.303,"endTime":1759.476,"body":"say that most people misstep"},{"speaker":"Brighton Gbarazia","startTime":1759.476,"endTime":1760.779,"body":"in terms of the home ownership."},{"speaker":"Average Joe Finances","startTime":1760.879,"endTime":1761.119,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1761.119,"endTime":1762.613,"body":"That's a lot to unpack there."},{"speaker":"Average Joe Finances","startTime":1762.648,"endTime":1765.904,"body":", and, including what I had mentioned"},{"speaker":"Average Joe Finances","startTime":1762.648,"endTime":1765.904,"body":"earlier, you added so much onto that too."},{"speaker":"Average Joe Finances","startTime":1765.904,"endTime":1769.872,"body":"Like, when you think about the different"},{"speaker":"Average Joe Finances","startTime":1765.904,"endTime":1769.872,"body":"expenses that can come up with home"},{"speaker":"Average Joe Finances","startTime":1769.877,"endTime":1773.531,"body":"ownership, you have a plumbing issue,"},{"speaker":"Average Joe Finances","startTime":1769.877,"endTime":1773.531,"body":"you have an electrical issue something"},{"speaker":"Average Joe Finances","startTime":1773.531,"endTime":1775.091,"body":"happens and you have to replace your roof."},{"speaker":"Average Joe Finances","startTime":1775.091,"endTime":1776.27,"body":"That stuff's not cheap."},{"speaker":"Average Joe Finances","startTime":1776.271,"endTime":1779.541,"body":"And it's not something that is really"},{"speaker":"Average Joe Finances","startTime":1776.271,"endTime":1779.541,"body":"on the top of your mind when you're"},{"speaker":"Average Joe Finances","startTime":1779.541,"endTime":1781.491,"body":"signing that document to own that home."},{"speaker":"Average Joe Finances","startTime":1781.491,"endTime":1782.671,"body":"You're like, , great."},{"speaker":"Average Joe Finances","startTime":1782.701,"endTime":1783.741,"body":"I own this property."},{"speaker":"Average Joe Finances","startTime":1783.746,"endTime":1786.541,"body":"This is how much it's gonna cost me every"},{"speaker":"Average Joe Finances","startTime":1783.746,"endTime":1786.541,"body":"month, and this and that, or whatever."},{"speaker":"Average Joe Finances","startTime":1786.931,"endTime":1789.451,"body":"But then if you add up all those"},{"speaker":"Average Joe Finances","startTime":1786.931,"endTime":1789.451,"body":"other expenses that are gonna pop up"},{"speaker":"Average Joe Finances","startTime":1789.451,"endTime":1790.921,"body":"and add that to your monthly payment."},{"speaker":"Average Joe Finances","startTime":1791.211,"endTime":1792.471,"body":"Now, what do you think about it?"},{"speaker":"Average Joe Finances","startTime":1792.471,"endTime":1794.359,"body":"So those are things that"},{"speaker":"Average Joe Finances","startTime":1792.471,"endTime":1794.359,"body":"you really need to consider."},{"speaker":"Average Joe Finances","startTime":1794.366,"endTime":1797.343,"body":"And then, yeah, for the people going out"},{"speaker":"Average Joe Finances","startTime":1794.366,"endTime":1797.343,"body":"and refine, I guess maybe doing like a"},{"speaker":"Average Joe Finances","startTime":1797.343,"endTime":1799.308,"body":"cash out refinance and things like that."},{"speaker":"Average Joe Finances","startTime":1799.329,"endTime":1803.947,"body":"Not realizing how much more you're adding"},{"speaker":"Average Joe Finances","startTime":1799.329,"endTime":1803.947,"body":"or paying back to the bank by doing that."},{"speaker":"Average Joe Finances","startTime":1803.951,"endTime":1807.191,"body":"I do like other products, like you"},{"speaker":"Average Joe Finances","startTime":1803.951,"endTime":1807.191,"body":"had mentioned lines of credit, right?"},{"speaker":"Average Joe Finances","startTime":1807.191,"endTime":1808.451,"body":"So home equity line of credit."},{"speaker":"Average Joe Finances","startTime":1808.525,"endTime":1811.541,"body":"I actually took one out to my principal"},{"speaker":"Average Joe Finances","startTime":1808.525,"endTime":1811.541,"body":"residents to buy more real estate."},{"speaker":"Average Joe Finances","startTime":1811.595,"endTime":1816.174,"body":"And I bought more cash flowing assets,"},{"speaker":"Average Joe Finances","startTime":1811.595,"endTime":1816.174,"body":"and I take the cash flow from those"},{"speaker":"Average Joe Finances","startTime":1816.174,"endTime":1817.914,"body":"assets and I pay it back into the heloc."},{"speaker":"Average Joe Finances","startTime":1817.976,"endTime":1818.551,"body":"So I think."},{"speaker":"Brighton Gbarazia","startTime":1818.551,"endTime":1818.821,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1818.821,"endTime":1819.901,"body":"Stuff like that is great."},{"speaker":"Average Joe Finances","startTime":1819.906,"endTime":1826.251,"body":"So knowing what those products are and"},{"speaker":"Average Joe Finances","startTime":1819.906,"endTime":1826.251,"body":"how to properly utilize them, To purchase"},{"speaker":"Average Joe Finances","startTime":1826.256,"endTime":1830.653,"body":"more cash flowing assets can really"},{"speaker":"Average Joe Finances","startTime":1826.256,"endTime":1830.653,"body":"help you in the long run, start really"},{"speaker":"Average Joe Finances","startTime":1830.953,"endTime":1833.143,"body":"accelerating and building your wealth."},{"speaker":"Average Joe Finances","startTime":1833.143,"endTime":1834.887,"body":"So I think that's I think that's huge."},{"speaker":"Average Joe Finances","startTime":1834.933,"endTime":1836.468,"body":"Brighton absolutely awesome, man."},{"speaker":"Average Joe Finances","startTime":1836.492,"endTime":1839.612,"body":"I wanna transition this now into something"},{"speaker":"Average Joe Finances","startTime":1836.492,"endTime":1839.612,"body":"that I call the final round where I'm"},{"speaker":"Average Joe Finances","startTime":1839.612,"endTime":1842.613,"body":"gonna ask you the same four questions that"},{"speaker":"Average Joe Finances","startTime":1839.612,"endTime":1842.613,"body":"I ask everybody that comes on this show."},{"speaker":"Average Joe Finances","startTime":1842.64,"endTime":1844.506,"body":"So if you're ready to go"},{"speaker":"Average Joe Finances","startTime":1842.64,"endTime":1844.506,"body":"we'll get that party started."},{"speaker":"Brighton Gbarazia","startTime":1844.652,"endTime":1845.642,"body":"Let's get into it."},{"speaker":"Average Joe Finances","startTime":1845.732,"endTime":1846.482,"body":"All right, let's do it."},{"speaker":"Average Joe Finances","startTime":1846.482,"endTime":1846.992,"body":"All right, Brighton."},{"speaker":"Average Joe Finances","startTime":1847.01,"endTime":1850.3,"body":"The first question I'm gonna ask you"},{"speaker":"Average Joe Finances","startTime":1847.01,"endTime":1850.3,"body":"and these are all like hard-hitting"},{"speaker":"Average Joe Finances","startTime":1850.3,"endTime":1854.251,"body":"questions and they all tie into each"},{"speaker":"Average Joe Finances","startTime":1850.3,"endTime":1854.251,"body":"other, but what's the biggest mistake"},{"speaker":"Average Joe Finances","startTime":1854.281,"endTime":1856.462,"body":"you've ever made with your finances?"},{"speaker":"Brighton Gbarazia","startTime":1856.562,"endTime":1859.202,"body":"Yeah, biggest"},{"speaker":"Brighton Gbarazia","startTime":1856.562,"endTime":1859.202,"body":"mistake is when I got my first real"},{"speaker":"Brighton Gbarazia","startTime":1859.202,"endTime":1860.732,"body":"job running for a cellphone company."},{"speaker":"Brighton Gbarazia","startTime":1860.732,"endTime":1863.852,"body":"I decided to buy a brand new"},{"speaker":"Brighton Gbarazia","startTime":1860.732,"endTime":1863.852,"body":"vehicle as opposed to listen to my"},{"speaker":"Brighton Gbarazia","startTime":1863.912,"endTime":1867.602,"body":"dad to buy, keep my used vehicle,"},{"speaker":"Brighton Gbarazia","startTime":1863.912,"endTime":1867.602,"body":"and just keep maintaining it."},{"speaker":"Brighton Gbarazia","startTime":1868.022,"endTime":1869.912,"body":"Again, I shall impress my dad."},{"speaker":"Brighton Gbarazia","startTime":1869.942,"endTime":1875.072,"body":"So I bought the new vehicle $350 a"},{"speaker":"Brighton Gbarazia","startTime":1869.942,"endTime":1875.072,"body":"month, and it was a balloon payment,"},{"speaker":"Brighton Gbarazia","startTime":1875.072,"endTime":1880.077,"body":"which meant that at the end of five"},{"speaker":"Brighton Gbarazia","startTime":1875.072,"endTime":1880.077,"body":"years, the interest shocked 3% to 11%."},{"speaker":"Brighton Gbarazia","startTime":1880.407,"endTime":1883.917,"body":"So yeah, I have that vehicle"},{"speaker":"Brighton Gbarazia","startTime":1880.407,"endTime":1883.917,"body":"still to remind me what poor"},{"speaker":"Brighton Gbarazia","startTime":1883.917,"endTime":1885.117,"body":"financial decisions look like."},{"speaker":"Brighton Gbarazia","startTime":1885.317,"endTime":1888.227,"body":"So that would be my biggest mistake"},{"speaker":"Brighton Gbarazia","startTime":1885.317,"endTime":1888.227,"body":"that I still drive that vehicle."},{"speaker":"Brighton Gbarazia","startTime":1888.227,"endTime":1888.767,"body":"I'm not kidding."},{"speaker":"Brighton Gbarazia","startTime":1888.767,"endTime":1890.747,"body":"I still have it as a Kia Forte 2010."},{"speaker":"Brighton Gbarazia","startTime":1891.134,"endTime":1894.104,"body":"And that's where I drive to remind"},{"speaker":"Brighton Gbarazia","startTime":1891.134,"endTime":1894.104,"body":"myself that we all make mistakes."},{"speaker":"Brighton Gbarazia","startTime":1894.104,"endTime":1896.324,"body":"But that's my biggest"},{"speaker":"Brighton Gbarazia","startTime":1894.104,"endTime":1896.324,"body":"financial mistake early on."},{"speaker":"Average Joe Finances","startTime":1896.414,"endTime":1896.799,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":1896.799,"endTime":1898.029,"body":"appreciate that transparency."},{"speaker":"Average Joe Finances","startTime":1898.086,"endTime":1901.074,"body":"And I just got to ask, cause you"},{"speaker":"Average Joe Finances","startTime":1898.086,"endTime":1901.074,"body":"said, your dad told you to keep"},{"speaker":"Average Joe Finances","startTime":1901.074,"endTime":1904.509,"body":"your used car and then you bought"},{"speaker":"Average Joe Finances","startTime":1901.074,"endTime":1904.509,"body":"the new car to impress your dad."},{"speaker":"Average Joe Finances","startTime":1904.658,"endTime":1906.45,"body":"So what did he say when"},{"speaker":"Average Joe Finances","startTime":1904.658,"endTime":1906.45,"body":"you when you did that?"},{"speaker":"Average Joe Finances","startTime":1906.452,"endTime":1907.387,"body":"What do you do with knucklehead?"},{"speaker":"Brighton Gbarazia","startTime":1907.487,"endTime":1909.298,"body":"Yeah, he was"},{"speaker":"Brighton Gbarazia","startTime":1907.487,"endTime":1909.298,"body":"just I did that he was fighting"},{"speaker":"Brighton Gbarazia","startTime":1909.303,"endTime":1911.698,"body":"with me the whole day, like saying,"},{"speaker":"Brighton Gbarazia","startTime":1909.303,"endTime":1911.698,"body":"why are you buying this vehicle?"},{"speaker":"Brighton Gbarazia","startTime":1911.698,"endTime":1912.688,"body":"You don't need it."},{"speaker":"Brighton Gbarazia","startTime":1912.739,"endTime":1916.209,"body":"But like that, what that was very good"},{"speaker":"Brighton Gbarazia","startTime":1912.739,"endTime":1916.209,"body":"is like when he said his piece, he"},{"speaker":"Brighton Gbarazia","startTime":1916.209,"endTime":1919.179,"body":"lets you experience the failure cause"},{"speaker":"Brighton Gbarazia","startTime":1916.209,"endTime":1919.179,"body":"he always thought you learn more."},{"speaker":"Brighton Gbarazia","startTime":1919.509,"endTime":1920.109,"body":"And he was right."},{"speaker":"Brighton Gbarazia","startTime":1920.109,"endTime":1922.689,"body":"He went with me to a dealership"},{"speaker":"Brighton Gbarazia","startTime":1920.109,"endTime":1922.689,"body":"and he said, it's a nice car."},{"speaker":"Brighton Gbarazia","startTime":1922.689,"endTime":1926.538,"body":"He was very supportive, but he made his"},{"speaker":"Brighton Gbarazia","startTime":1922.689,"endTime":1926.538,"body":"point like, you don't need to do this."},{"speaker":"Brighton Gbarazia","startTime":1926.572,"endTime":1929.212,"body":"This is a wasteful purchase"},{"speaker":"Brighton Gbarazia","startTime":1926.572,"endTime":1929.212,"body":"that you're doing right now."},{"speaker":"Brighton Gbarazia","startTime":1929.807,"endTime":1932.389,"body":"But I was young, just I"},{"speaker":"Brighton Gbarazia","startTime":1929.807,"endTime":1932.389,"body":"thought, I deserved a new car."},{"speaker":"Brighton Gbarazia","startTime":1932.389,"endTime":1934.824,"body":"I didn't want to be driving"},{"speaker":"Brighton Gbarazia","startTime":1932.389,"endTime":1934.824,"body":"an old beat up car anymore."},{"speaker":"Average Joe Finances","startTime":1934.843,"endTime":1935.335,"body":"No that's fair."},{"speaker":"Brighton Gbarazia","startTime":1935.335,"endTime":1936.095,"body":"I got a new car."},{"speaker":"Average Joe Finances","startTime":1936.244,"endTime":1936.884,"body":"But that's awesome."},{"speaker":"Brighton Gbarazia","startTime":1936.884,"endTime":1939.853,"body":"I learned now what"},{"speaker":"Brighton Gbarazia","startTime":1936.884,"endTime":1939.853,"body":"he meant as just, Hey, I get it now."},{"speaker":"Brighton Gbarazia","startTime":1939.863,"endTime":1940.803,"body":"It's a depreciation asset."},{"speaker":"Brighton Gbarazia","startTime":1940.823,"endTime":1941.513,"body":"I'm spending this money."},{"speaker":"Brighton Gbarazia","startTime":1941.513,"endTime":1942.593,"body":"I should put that into savings."},{"speaker":"Brighton Gbarazia","startTime":1942.593,"endTime":1945.533,"body":"And don't get me started, Mike, on"},{"speaker":"Brighton Gbarazia","startTime":1942.593,"endTime":1945.533,"body":"the compounding effect on that payment"},{"speaker":"Brighton Gbarazia","startTime":1945.923,"endTime":1947.213,"body":"that I'm thinking about every day."},{"speaker":"Brighton Gbarazia","startTime":1947.213,"endTime":1948.623,"body":"I don't think about it really."},{"speaker":"Brighton Gbarazia","startTime":1948.623,"endTime":1949.683,"body":"I don't think about it."},{"speaker":"Average Joe Finances","startTime":1949.783,"endTime":1950.143,"body":"All right."},{"speaker":"Average Joe Finances","startTime":1950.143,"endTime":1952.31,"body":"I'm not gonna try to give"},{"speaker":"Average Joe Finances","startTime":1950.143,"endTime":1952.31,"body":"you any flashbacks or bring"},{"speaker":"Average Joe Finances","startTime":1952.31,"endTime":1953.35,"body":"that up anymore, alright."},{"speaker":"Average Joe Finances","startTime":1953.374,"endTime":1956.095,"body":"Hey Brighton, so what is something"},{"speaker":"Average Joe Finances","startTime":1953.374,"endTime":1956.095,"body":"that you've learned that you wish"},{"speaker":"Average Joe Finances","startTime":1956.095,"endTime":1957.535,"body":"you knew when you first started?"},{"speaker":"Brighton Gbarazia","startTime":1957.612,"endTime":1961.232,"body":"Focus on cashflow"},{"speaker":"Brighton Gbarazia","startTime":1957.612,"endTime":1961.232,"body":"generation as opposed to acquiring assets."},{"speaker":"Brighton Gbarazia","startTime":1961.329,"endTime":1965.713,"body":"That I wish someone had really hammered"},{"speaker":"Brighton Gbarazia","startTime":1961.329,"endTime":1965.713,"body":"that into my head because what I'm"},{"speaker":"Brighton Gbarazia","startTime":1965.718,"endTime":1968.983,"body":"doing now in my life and everything"},{"speaker":"Brighton Gbarazia","startTime":1965.718,"endTime":1968.983,"body":"I look to purchase, you mentioned"},{"speaker":"Brighton Gbarazia","startTime":1968.983,"endTime":1970.993,"body":"investment, profit is just cash flow."},{"speaker":"Brighton Gbarazia","startTime":1971.263,"endTime":1975.223,"body":"The more cashflow you can get right"},{"speaker":"Brighton Gbarazia","startTime":1971.263,"endTime":1975.223,"body":"and keep your expenses low, the"},{"speaker":"Brighton Gbarazia","startTime":1975.223,"endTime":1976.783,"body":"better quality of life you can have."},{"speaker":"Brighton Gbarazia","startTime":1977.298,"endTime":1979.428,"body":"But early on I was focused"},{"speaker":"Brighton Gbarazia","startTime":1977.298,"endTime":1979.428,"body":"on asset accumulate."},{"speaker":"Brighton Gbarazia","startTime":1979.428,"endTime":1982.218,"body":"I wanted assets, I didn't care"},{"speaker":"Brighton Gbarazia","startTime":1979.428,"endTime":1982.218,"body":"if they had cash flow or not."},{"speaker":"Brighton Gbarazia","startTime":1982.218,"endTime":1983.808,"body":"I just want people to be"},{"speaker":"Brighton Gbarazia","startTime":1982.218,"endTime":1983.808,"body":"like, oh, you got a new car?"},{"speaker":"Brighton Gbarazia","startTime":1983.808,"endTime":1984.618,"body":"Oh, you got a house."},{"speaker":"Brighton Gbarazia","startTime":1984.918,"endTime":1988.188,"body":"But I wasn't paying attention to"},{"speaker":"Brighton Gbarazia","startTime":1984.918,"endTime":1988.188,"body":"cash flow, so now I understand how"},{"speaker":"Brighton Gbarazia","startTime":1988.188,"endTime":1992.508,"body":"significant the cash flow is, and I"},{"speaker":"Brighton Gbarazia","startTime":1988.188,"endTime":1992.508,"body":"wish I had learned that early on because"},{"speaker":"Brighton Gbarazia","startTime":1992.508,"endTime":1995.448,"body":"some of the investment decisions I"},{"speaker":"Brighton Gbarazia","startTime":1992.508,"endTime":1995.448,"body":"would've done would've been different."},{"speaker":"Brighton Gbarazia","startTime":1995.658,"endTime":1999.532,"body":"I would've been where I am probably sooner"},{"speaker":"Brighton Gbarazia","startTime":1995.658,"endTime":1999.532,"body":"if I understood the cashflow principle."},{"speaker":"Average Joe Finances","startTime":1999.656,"endTime":2002.026,"body":"That"},{"speaker":"Average Joe Finances","startTime":1999.656,"endTime":2002.026,"body":"is a fantastic answer."},{"speaker":"Average Joe Finances","startTime":2002.056,"endTime":2005.266,"body":"And again, thank you again for that"},{"speaker":"Average Joe Finances","startTime":2002.056,"endTime":2005.266,"body":"transparency because cash flow,"},{"speaker":"Average Joe Finances","startTime":2005.358,"endTime":2006.703,"body":"as I say, cash is king, right?"},{"speaker":"Average Joe Finances","startTime":2006.703,"endTime":2007.663,"body":"Cash flow is king."},{"speaker":"Brighton Gbarazia","startTime":2007.963,"endTime":2008.173,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2008.185,"endTime":2010.832,"body":"If you can build"},{"speaker":"Average Joe Finances","startTime":2008.185,"endTime":2010.832,"body":"up your cash flow to the point where, You"},{"speaker":"Average Joe Finances","startTime":2010.832,"endTime":2012.692,"body":"have enough where it covers your expenses."},{"speaker":"Average Joe Finances","startTime":2012.72,"endTime":2014.775,"body":"You have now become"},{"speaker":"Average Joe Finances","startTime":2012.72,"endTime":2014.775,"body":"financially independent."},{"speaker":"Average Joe Finances","startTime":2014.778,"endTime":2015.492,"body":"And I think that's huge."},{"speaker":"Average Joe Finances","startTime":2015.492,"endTime":2020.671,"body":"As a matter of fact this past weekend, I"},{"speaker":"Average Joe Finances","startTime":2015.492,"endTime":2020.671,"body":"played the cash flow game for kids with"},{"speaker":"Average Joe Finances","startTime":2020.671,"endTime":2023.611,"body":"my kids, and they absolutely loved it."},{"speaker":"Average Joe Finances","startTime":2023.611,"endTime":2027.048,"body":"And they were asking so many questions"},{"speaker":"Average Joe Finances","startTime":2023.611,"endTime":2027.048,"body":"about Hey, why is it that now I have"},{"speaker":"Average Joe Finances","startTime":2027.048,"endTime":2030.339,"body":"to make this, these extra payments"},{"speaker":"Average Joe Finances","startTime":2027.048,"endTime":2030.339,"body":"because I got this, credit card"},{"speaker":"Average Joe Finances","startTime":2030.339,"endTime":2033.339,"body":"payment, that now I have this new"},{"speaker":"Average Joe Finances","startTime":2030.339,"endTime":2033.339,"body":"monthly debt that I have to pay."},{"speaker":"Average Joe Finances","startTime":2033.699,"endTime":2036.078,"body":"And my youngest she was asking so"},{"speaker":"Average Joe Finances","startTime":2033.699,"endTime":2036.078,"body":"many questions about this stuff and"},{"speaker":"Average Joe Finances","startTime":2036.078,"endTime":2037.026,"body":"I was like, oh, this is really good."},{"speaker":"Average Joe Finances","startTime":2037.026,"endTime":2039.321,"body":"It's getting, the juices flowing"},{"speaker":"Average Joe Finances","startTime":2037.026,"endTime":2039.321,"body":"and getting them thinking about it."},{"speaker":"Average Joe Finances","startTime":2039.321,"endTime":2039.695,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":2039.695,"endTime":2039.88,"body":"And then awesome, yeah."},{"speaker":"Average Joe Finances","startTime":2040.308,"endTime":2041.728,"body":"realized, like there was some of"},{"speaker":"Average Joe Finances","startTime":2040.308,"endTime":2041.728,"body":"the stuff that they bought, they"},{"speaker":"Average Joe Finances","startTime":2041.728,"endTime":2045.028,"body":"would buy securities and they're"},{"speaker":"Average Joe Finances","startTime":2041.728,"endTime":2045.028,"body":"like, oh, you know it, that's only"},{"speaker":"Average Joe Finances","startTime":2045.028,"endTime":2046.618,"body":"getting me a small amount per month."},{"speaker":"Average Joe Finances","startTime":2046.656,"endTime":2049.544,"body":"But then when I bought this business or"},{"speaker":"Average Joe Finances","startTime":2046.656,"endTime":2049.544,"body":"when I bought this piece of real estate,"},{"speaker":"Average Joe Finances","startTime":2049.544,"endTime":2054.451,"body":"it was making me more cash flow than the"},{"speaker":"Average Joe Finances","startTime":2049.544,"endTime":2054.451,"body":"investment, the securities that I bought."},{"speaker":"Average Joe Finances","startTime":2054.456,"endTime":2055.154,"body":"So she's okay."},{"speaker":"Average Joe Finances","startTime":2055.454,"endTime":2059.795,"body":"She's maybe that's what I wanna focus"},{"speaker":"Average Joe Finances","startTime":2055.454,"endTime":2059.795,"body":"on, if I land on a asset card and it"},{"speaker":"Average Joe Finances","startTime":2059.795,"endTime":2062.255,"body":"comes up with another securities, if"},{"speaker":"Average Joe Finances","startTime":2059.795,"endTime":2062.255,"body":"it's not enough money, I don't want"},{"speaker":"Average Joe Finances","startTime":2062.255,"endTime":2065.638,"body":"it, I'm gonna push that business or"},{"speaker":"Average Joe Finances","startTime":2062.255,"endTime":2065.638,"body":"I'm gonna push for that real estate."},{"speaker":"Average Joe Finances","startTime":2065.668,"endTime":2066.718,"body":"And I was like, oh, okay."},{"speaker":"Average Joe Finances","startTime":2066.746,"endTime":2067.149,"body":"That's good."},{"speaker":"Average Joe Finances","startTime":2067.149,"endTime":2069.139,"body":"So I was like, yeah this game's"},{"speaker":"Average Joe Finances","startTime":2067.149,"endTime":2069.139,"body":"that's out pretty good, man."},{"speaker":"Average Joe Finances","startTime":2069.192,"endTime":2069.354,"body":", okay."},{"speaker":"Average Joe Finances","startTime":2069.404,"endTime":2069.484,"body":"Cool."},{"speaker":"Average Joe Finances","startTime":2069.489,"endTime":2070.074,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":2070.1,"endTime":2073.055,"body":"I don't want to take this over, so"},{"speaker":"Average Joe Finances","startTime":2070.1,"endTime":2073.055,"body":"I'm gonna go into the next question."},{"speaker":"Brighton Gbarazia","startTime":2073.595,"endTime":2074.881,"body":"And it's all good man."},{"speaker":"Average Joe Finances","startTime":2075.151,"endTime":2077.592,"body":"Do you have"},{"speaker":"Average Joe Finances","startTime":2075.151,"endTime":2077.592,"body":"any tips or tricks that you would"},{"speaker":"Average Joe Finances","startTime":2077.592,"endTime":2080.605,"body":"recommend to someone that is"},{"speaker":"Average Joe Finances","startTime":2077.592,"endTime":2080.605,"body":"just getting started out today?"},{"speaker":"Brighton Gbarazia","startTime":2080.705,"endTime":2082.145,"body":"Ooh,"},{"speaker":"Brighton Gbarazia","startTime":2080.705,"endTime":2082.145,"body":"that's a tough one."},{"speaker":"Brighton Gbarazia","startTime":2082.145,"endTime":2084.919,"body":"But I think it goes back to my"},{"speaker":"Brighton Gbarazia","startTime":2082.145,"endTime":2084.919,"body":"early answer, which is just focus"},{"speaker":"Brighton Gbarazia","startTime":2084.919,"endTime":2088.061,"body":"on the lifestyle, really try to"},{"speaker":"Brighton Gbarazia","startTime":2084.919,"endTime":2088.061,"body":"create a sustainable lifestyle."},{"speaker":"Brighton Gbarazia","startTime":2088.061,"endTime":2092.651,"body":"What I mean is like you can have a"},{"speaker":"Brighton Gbarazia","startTime":2088.061,"endTime":2092.651,"body":"lifestyle that's just like you can live"},{"speaker":"Brighton Gbarazia","startTime":2092.656,"endTime":2095.291,"body":"on consistently as minimal as possible."},{"speaker":"Brighton Gbarazia","startTime":2095.531,"endTime":2098.441,"body":"And then what I do is make sure you have"},{"speaker":"Brighton Gbarazia","startTime":2095.531,"endTime":2098.441,"body":"cherries on tops here and there, but"},{"speaker":"Brighton Gbarazia","startTime":2098.621,"endTime":2099.971,"body":"you don't wanna cherish your whole life."},{"speaker":"Brighton Gbarazia","startTime":2099.971,"endTime":2102.701,"body":"You need a sustainable"},{"speaker":"Brighton Gbarazia","startTime":2099.971,"endTime":2102.701,"body":"lifestyle, but still find ways."},{"speaker":"Brighton Gbarazia","startTime":2102.701,"endTime":2105.2,"body":"If you like to travel, make sure"},{"speaker":"Brighton Gbarazia","startTime":2102.701,"endTime":2105.2,"body":"maybe your budget's a little more"},{"speaker":"Brighton Gbarazia","startTime":2105.2,"endTime":2107.93,"body":"skewed more than other people,"},{"speaker":"Brighton Gbarazia","startTime":2105.2,"endTime":2107.93,"body":"tourists, traveling, but make sure"},{"speaker":"Brighton Gbarazia","startTime":2107.93,"endTime":2109.4,"body":"everything else is consistent."},{"speaker":"Brighton Gbarazia","startTime":2109.405,"endTime":2113.449,"body":"So for me now, it's just, try to"},{"speaker":"Brighton Gbarazia","startTime":2109.405,"endTime":2113.449,"body":"create a sustainable lifestyle, because"},{"speaker":"Brighton Gbarazia","startTime":2113.454,"endTime":2116.719,"body":"if you can do that, you can keep"},{"speaker":"Brighton Gbarazia","startTime":2113.454,"endTime":2116.719,"body":"increasing your cash flow, but your"},{"speaker":"Brighton Gbarazia","startTime":2116.719,"endTime":2118.879,"body":"expenses won't necessarily increase."},{"speaker":"Brighton Gbarazia","startTime":2118.879,"endTime":2122.509,"body":"And that's the trick in this finance"},{"speaker":"Brighton Gbarazia","startTime":2118.879,"endTime":2122.509,"body":"game is how do I increase my income?"},{"speaker":"Brighton Gbarazia","startTime":2122.909,"endTime":2126.179,"body":"but keep my expenses"},{"speaker":"Brighton Gbarazia","startTime":2122.909,"endTime":2126.179,"body":"at bare minimum, right?"},{"speaker":"Brighton Gbarazia","startTime":2126.179,"endTime":2128.759,"body":"That still functions for my"},{"speaker":"Brighton Gbarazia","startTime":2126.179,"endTime":2128.759,"body":"day-to-day life, my family's life."},{"speaker":"Brighton Gbarazia","startTime":2128.759,"endTime":2132.065,"body":"So I think that's the tip I would"},{"speaker":"Brighton Gbarazia","startTime":2128.759,"endTime":2132.065,"body":"say is, if you can do that, you're"},{"speaker":"Brighton Gbarazia","startTime":2132.065,"endTime":2133.455,"body":"probably gonna be successful long term."},{"speaker":"Average Joe Finances","startTime":2133.555,"endTime":2133.825,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2133.825,"endTime":2134.395,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":2134.545,"endTime":2135.115,"body":"I love that."},{"speaker":"Average Joe Finances","startTime":2135.505,"endTime":2135.865,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2136.165,"endTime":2141.117,"body":"And the final question Brighton, do you"},{"speaker":"Average Joe Finances","startTime":2136.165,"endTime":2141.117,"body":"have, and besides your own do you have"},{"speaker":"Average Joe Finances","startTime":2141.117,"endTime":2147.675,"body":"a favorite business investing or real"},{"speaker":"Average Joe Finances","startTime":2141.117,"endTime":2147.675,"body":"estate related book or podcast or both?"},{"speaker":"Brighton Gbarazia","startTime":2147.675,"endTime":2148.677,"body":"Average"},{"speaker":"Brighton Gbarazia","startTime":2147.675,"endTime":2148.677,"body":"Joe is pretty good too."},{"speaker":"Brighton Gbarazia","startTime":2148.677,"endTime":2150.718,"body":"Yeah, no, I would say"},{"speaker":"Brighton Gbarazia","startTime":2148.677,"endTime":2150.718,"body":"about that one a book."},{"speaker":"Brighton Gbarazia","startTime":2150.746,"endTime":2152.529,"body":"I'm a huge fan of Ray Dalio."},{"speaker":"Brighton Gbarazia","startTime":2152.644,"endTime":2154.384,"body":"So Principal is one I read recently."},{"speaker":"Brighton Gbarazia","startTime":2154.384,"endTime":2155.374,"body":"It's a really good book."},{"speaker":"Brighton Gbarazia","startTime":2155.374,"endTime":2158.009,"body":"I just like how we like a"},{"speaker":"Brighton Gbarazia","startTime":2155.374,"endTime":2158.009,"body":"life and wealth together."},{"speaker":"Brighton Gbarazia","startTime":2158.009,"endTime":2159.929,"body":"I think if you try to"},{"speaker":"Brighton Gbarazia","startTime":2158.009,"endTime":2159.929,"body":"disconnect those two things."},{"speaker":"Brighton Gbarazia","startTime":2160.369,"endTime":2162.499,"body":"Even if you have financial"},{"speaker":"Brighton Gbarazia","startTime":2160.369,"endTime":2162.499,"body":"success, you're gonna be miserable."},{"speaker":"Brighton Gbarazia","startTime":2162.499,"endTime":2166.709,"body":"So I like how he ma matches"},{"speaker":"Brighton Gbarazia","startTime":2162.499,"endTime":2166.709,"body":"wealth and life in general."},{"speaker":"Brighton Gbarazia","startTime":2167.009,"endTime":2167.819,"body":"So that's a good one."},{"speaker":"Brighton Gbarazia","startTime":2167.917,"endTime":2168.757,"body":"Won of the earliest book."},{"speaker":"Brighton Gbarazia","startTime":2168.757,"endTime":2171.554,"body":"That really I was like that's"},{"speaker":"Brighton Gbarazia","startTime":2168.757,"endTime":2171.554,"body":"that's exactly, it was Tony"},{"speaker":"Brighton Gbarazia","startTime":2171.554,"endTime":2175.704,"body":"Robbins, the first book he wrote,"},{"speaker":"Brighton Gbarazia","startTime":2171.554,"endTime":2175.704,"body":"the big giant, like 800 page one."},{"speaker":"Brighton Gbarazia","startTime":2175.704,"endTime":2177.94,"body":"Off the top of my head, I"},{"speaker":"Brighton Gbarazia","startTime":2175.704,"endTime":2177.94,"body":"can, I think it's mastered the"},{"speaker":"Brighton Gbarazia","startTime":2177.94,"endTime":2178.72,"body":"game or something like that."},{"speaker":"Brighton Gbarazia","startTime":2178.72,"endTime":2179.29,"body":"It's call."},{"speaker":"Brighton Gbarazia","startTime":2179.65,"endTime":2181.48,"body":"But that book was really great."},{"speaker":"Brighton Gbarazia","startTime":2181.647,"endTime":2184.877,"body":"I'm gonna get one more investment book"},{"speaker":"Brighton Gbarazia","startTime":2181.647,"endTime":2184.877,"body":"that I like, which is the original Jack"},{"speaker":"Brighton Gbarazia","startTime":2184.877,"endTime":2186.929,"body":"Bolos book on that passive investing."},{"speaker":"Brighton Gbarazia","startTime":2187.139,"endTime":2189.659,"body":"Can't remember the exact title,"},{"speaker":"Brighton Gbarazia","startTime":2187.139,"endTime":2189.659,"body":"but it's the little small book."},{"speaker":"Brighton Gbarazia","startTime":2189.709,"endTime":2191.309,"body":"I think it's called"},{"speaker":"Brighton Gbarazia","startTime":2189.709,"endTime":2191.309,"body":"Little Book on Investing."},{"speaker":"Brighton Gbarazia","startTime":2191.309,"endTime":2195.002,"body":"But that was just like, to me when I read"},{"speaker":"Brighton Gbarazia","startTime":2191.309,"endTime":2195.002,"body":"that, it was just, I was at the bank and"},{"speaker":"Brighton Gbarazia","startTime":2195.002,"endTime":2198.293,"body":"I remember we always had these debate"},{"speaker":"Brighton Gbarazia","startTime":2195.002,"endTime":2198.293,"body":"between active versus versus passive."},{"speaker":"Brighton Gbarazia","startTime":2198.593,"endTime":2199.883,"body":"And when I read his book, I just was like."},{"speaker":"Brighton Gbarazia","startTime":2199.883,"endTime":2202.259,"body":"Yeah, I knew it didn't make"},{"speaker":"Brighton Gbarazia","startTime":2199.883,"endTime":2202.259,"body":"sense for this to be happening."},{"speaker":"Brighton Gbarazia","startTime":2202.619,"endTime":2206.459,"body":"So that book's always in my shelf and it's"},{"speaker":"Brighton Gbarazia","startTime":2202.619,"endTime":2206.459,"body":"one of my favorite books to give first"},{"speaker":"Brighton Gbarazia","startTime":2206.459,"endTime":2210.599,"body":"time investors to just say, Hey, at the"},{"speaker":"Brighton Gbarazia","startTime":2206.459,"endTime":2210.599,"body":"end of the day, cost matters a great deal."},{"speaker":"Brighton Gbarazia","startTime":2210.779,"endTime":2213.239,"body":"All things being equal, focus on the cost."},{"speaker":"Brighton Gbarazia","startTime":2213.25,"endTime":2216.609,"body":"For podcasts, other than that"},{"speaker":"Brighton Gbarazia","startTime":2213.25,"endTime":2216.609,"body":"Freakonomics is one I enjoy thoroughly."},{"speaker":"Brighton Gbarazia","startTime":2216.703,"endTime":2219.103,"body":"I think he does a really good"},{"speaker":"Brighton Gbarazia","startTime":2216.703,"endTime":2219.103,"body":"job just exploring all kinds"},{"speaker":"Brighton Gbarazia","startTime":2219.103,"endTime":2220.393,"body":"of finance and stuff like that."},{"speaker":"Brighton Gbarazia","startTime":2220.723,"endTime":2221.863,"body":"So those would be my tips."},{"speaker":"Brighton Gbarazia","startTime":2221.863,"endTime":2222.984,"body":"Things that I'm interested in."},{"speaker":"Brighton Gbarazia","startTime":2222.984,"endTime":2224.414,"body":"I read and listen too."},{"speaker":"Average Joe Finances","startTime":2224.564,"endTime":2224.804,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2224.924,"endTime":2225.194,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2225.194,"endTime":2226.124,"body":"I appreciate that."},{"speaker":"Average Joe Finances","startTime":2226.124,"endTime":2228.076,"body":"I appreciate your recommendations there."},{"speaker":"Average Joe Finances","startTime":2228.112,"endTime":2230.734,"body":"And I wrote down a couple of them"},{"speaker":"Average Joe Finances","startTime":2228.112,"endTime":2230.734,"body":"there, especially principals."},{"speaker":"Average Joe Finances","startTime":2230.764,"endTime":2231.823,"body":"got to add that to my list."},{"speaker":"Average Joe Finances","startTime":2231.823,"endTime":2232.808,"body":"But yeah that's awesome man."},{"speaker":"Average Joe Finances","startTime":2232.808,"endTime":2236.348,"body":"And I appreciate just everything about"},{"speaker":"Average Joe Finances","startTime":2232.808,"endTime":2236.348,"body":"this episode, the transparency and"},{"speaker":"Average Joe Finances","startTime":2236.353,"endTime":2237.323,"body":"just how open you were with everything."},{"speaker":"Average Joe Finances","startTime":2237.783,"endTime":2241.317,"body":"But I do have one more question for you"},{"speaker":"Average Joe Finances","startTime":2237.783,"endTime":2241.317,"body":"cause that's it for the final round."},{"speaker":"Average Joe Finances","startTime":2241.707,"endTime":2245.257,"body":"But the last question here is the"},{"speaker":"Average Joe Finances","startTime":2241.707,"endTime":2245.257,"body":"most important question of all because"},{"speaker":"Average Joe Finances","startTime":2245.281,"endTime":2248.443,"body":"the people that have been listening"},{"speaker":"Average Joe Finances","startTime":2245.281,"endTime":2248.443,"body":"to this episode are like, I really"},{"speaker":"Average Joe Finances","startTime":2248.443,"endTime":2250.153,"body":"like what Brighton's talking about."},{"speaker":"Average Joe Finances","startTime":2250.234,"endTime":2253.684,"body":"I really want to know more"},{"speaker":"Average Joe Finances","startTime":2250.234,"endTime":2253.684,"body":"about him and what he's doing."},{"speaker":"Average Joe Finances","startTime":2253.684,"endTime":2256.799,"body":"And I know we, we didn't really talk about"},{"speaker":"Average Joe Finances","startTime":2253.684,"endTime":2256.799,"body":"it during the interview, but I know you"},{"speaker":"Average Joe Finances","startTime":2256.799,"endTime":2258.869,"body":"have a website that you can share with us."},{"speaker":"Average Joe Finances","startTime":2258.869,"endTime":2261.388,"body":"So if you could please share"},{"speaker":"Average Joe Finances","startTime":2258.869,"endTime":2261.388,"body":"with us what is your website?"},{"speaker":"Average Joe Finances","startTime":2261.388,"endTime":2264.629,"body":"Do you have any social medias that"},{"speaker":"Average Joe Finances","startTime":2261.388,"endTime":2264.629,"body":"anybody can follow you on and hear"},{"speaker":"Average Joe Finances","startTime":2264.629,"endTime":2266.889,"body":"more information about you or from you."},{"speaker":"Brighton Gbarazia","startTime":2267.106,"endTime":2267.766,"body":"Yeah, sure."},{"speaker":"Brighton Gbarazia","startTime":2267.976,"endTime":2270.886,"body":"So the best way to get in contact"},{"speaker":"Brighton Gbarazia","startTime":2267.976,"endTime":2270.886,"body":"would be go to a website, which"},{"speaker":"Brighton Gbarazia","startTime":2270.886,"endTime":2273.306,"body":"is www.wealthmarathon.com."},{"speaker":"Brighton Gbarazia","startTime":2273.636,"endTime":2276.604,"body":"That's the best place to start, cause"},{"speaker":"Brighton Gbarazia","startTime":2273.636,"endTime":2276.604,"body":"there you got all the details from there."},{"speaker":"Brighton Gbarazia","startTime":2276.664,"endTime":2279.888,"body":"I'm active on LinkedIn, we got"},{"speaker":"Brighton Gbarazia","startTime":2276.664,"endTime":2279.888,"body":"lots of exciting stuff happening"},{"speaker":"Brighton Gbarazia","startTime":2279.888,"endTime":2281.208,"body":"next year with the company."},{"speaker":"Brighton Gbarazia","startTime":2281.373,"endTime":2282.783,"body":"So go on the website."},{"speaker":"Brighton Gbarazia","startTime":2282.783,"endTime":2285.573,"body":"You can always sign up a newsletter,"},{"speaker":"Brighton Gbarazia","startTime":2282.783,"endTime":2285.573,"body":"keep updated on all the information"},{"speaker":"Brighton Gbarazia","startTime":2285.573,"endTime":2286.533,"body":"that's gonna be coming through."},{"speaker":"Brighton Gbarazia","startTime":2286.893,"endTime":2289.923,"body":"If you want to read a little bit"},{"speaker":"Brighton Gbarazia","startTime":2286.893,"endTime":2289.923,"body":"more about me or some of my concepts,"},{"speaker":"Brighton Gbarazia","startTime":2289.928,"endTime":2291.073,"body":"you can always pick up my book."},{"speaker":"Brighton Gbarazia","startTime":2291.079,"endTime":2292.159,"body":"Master Your Mortgage."},{"speaker":"Brighton Gbarazia","startTime":2292.197,"endTime":2295.007,"body":"It's on Amazon what the banks wouldn't"},{"speaker":"Brighton Gbarazia","startTime":2292.197,"endTime":2295.007,"body":"tell you about buying the right home."},{"speaker":"Brighton Gbarazia","startTime":2295.307,"endTime":2297.617,"body":"So you can read a little bit of that"},{"speaker":"Brighton Gbarazia","startTime":2295.307,"endTime":2297.617,"body":"to find a little bit more about me."},{"speaker":"Brighton Gbarazia","startTime":2297.617,"endTime":2300.407,"body":"But again, go to the website cause"},{"speaker":"Brighton Gbarazia","startTime":2297.617,"endTime":2300.407,"body":"that's where you got all the details."},{"speaker":"Average Joe Finances","startTime":2300.525,"endTime":2300.765,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2300.765,"endTime":2301.185,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2301.185,"endTime":2302.87,"body":"Hey, man I really appreciate that."},{"speaker":"Average Joe Finances","startTime":2302.871,"endTime":2306.844,"body":"I'll make it simple for everybody and we"},{"speaker":"Average Joe Finances","startTime":2302.871,"endTime":2306.844,"body":"will have those links in the show notes"},{"speaker":"Average Joe Finances","startTime":2306.844,"endTime":2308.524,"body":"so you can copy and paste or click away."},{"speaker":"Brighton Gbarazia","startTime":2308.529,"endTime":2308.644,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2309.229,"endTime":2310.654,"body":"Just don't"},{"speaker":"Average Joe Finances","startTime":2309.229,"endTime":2310.654,"body":"do it while you're driving."},{"speaker":"Average Joe Finances","startTime":2310.767,"endTime":2313.587,"body":"Brighton, this has been Yes,"},{"speaker":"Average Joe Finances","startTime":2310.767,"endTime":2313.587,"body":"absolutely fantastic, man."},{"speaker":"Average Joe Finances","startTime":2313.635,"endTime":2316.485,"body":"This was a really good interview"},{"speaker":"Average Joe Finances","startTime":2313.635,"endTime":2316.485,"body":"and I really appreciate your energy."},{"speaker":"Average Joe Finances","startTime":2316.755,"endTime":2320.625,"body":"I appreciate your transparency,"},{"speaker":"Average Joe Finances","startTime":2316.755,"endTime":2320.625,"body":"like I said before, and just all the"},{"speaker":"Average Joe Finances","startTime":2320.63,"endTime":2321.795,"body":"information that you shared with us."},{"speaker":"Average Joe Finances","startTime":2321.795,"endTime":2322.905,"body":"Man, this was really good stuff."},{"speaker":"Brighton Gbarazia","startTime":2323.072,"endTime":2325.052,"body":"Hey"},{"speaker":"Brighton Gbarazia","startTime":2323.072,"endTime":2325.052,"body":"man, like I'm appreciated."},{"speaker":"Brighton Gbarazia","startTime":2325.052,"endTime":2325.962,"body":"You had me on Mike."},{"speaker":"Brighton Gbarazia","startTime":2325.982,"endTime":2326.672,"body":"It was awesome."},{"speaker":"Brighton Gbarazia","startTime":2326.672,"endTime":2330.092,"body":"And again, hopefully that was valuable to"},{"speaker":"Brighton Gbarazia","startTime":2326.672,"endTime":2330.092,"body":"all the audience that's listening here."},{"speaker":"Average Joe Finances","startTime":2330.542,"endTime":2331.292,"body":"Yeah, thanks so much."},{"speaker":"Average Joe Finances","startTime":2331.292,"endTime":2335.838,"body":"And speaking of my listeners I want to"},{"speaker":"Average Joe Finances","startTime":2331.292,"endTime":2335.838,"body":"thank you all so much for joining me"},{"speaker":"Average Joe Finances","startTime":2335.838,"endTime":2340.458,"body":"in our special guest Brighton Gbarazia,"},{"speaker":"Average Joe Finances","startTime":2335.838,"endTime":2340.458,"body":"on the average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":2340.698,"endTime":2343.398,"body":"Make sure you go leave us a five star"},{"speaker":"Average Joe Finances","startTime":2340.698,"endTime":2343.398,"body":"review and tell us what you liked"},{"speaker":"Average Joe Finances","startTime":2343.398,"endTime":2346.158,"body":"about today's episode with Brighton."},{"speaker":"Average Joe Finances","startTime":2346.488,"endTime":2347.718,"body":"Aloha from Hawaiian."},{"speaker":"Average Joe Finances","startTime":2347.718,"endTime":2349.338,"body":"Have a great rest of your day."}]}