{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.644,"endTime":2.924,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":0.644,"endTime":2.924,"body":"to the Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":2.929,"endTime":6.594,"body":"I'm your host, Mike Cavaggioni,"},{"speaker":"Average Joe Finances","startTime":2.929,"endTime":6.594,"body":"and today's guest is Ray Zhang."},{"speaker":"Average Joe Finances","startTime":6.614,"endTime":9.134,"body":"So Ray, super excited"},{"speaker":"Average Joe Finances","startTime":6.614,"endTime":9.134,"body":"to have you on the show."},{"speaker":"Average Joe Finances","startTime":9.134,"endTime":13.484,"body":"I know we're gonna talk about some awesome"},{"speaker":"Average Joe Finances","startTime":9.134,"endTime":13.484,"body":"things regarding land flipping and also"},{"speaker":"Average Joe Finances","startTime":13.484,"endTime":15.148,"body":"what you do as a coach for land flipping."},{"speaker":"Average Joe Finances","startTime":15.148,"endTime":15.988,"body":"Welcome to the show."},{"speaker":"Ray Zhang","startTime":16.768,"endTime":17.278,"body":"Absolutely."},{"speaker":"Ray Zhang","startTime":17.278,"endTime":17.818,"body":"Thank you, Mike."},{"speaker":"Ray Zhang","startTime":17.938,"endTime":19.738,"body":"And it's been honorable to be here."},{"speaker":"Average Joe Finances","startTime":20.443,"endTime":23.713,"body":"Yeah, the honor is"},{"speaker":"Average Joe Finances","startTime":20.443,"endTime":23.713,"body":"all of mine and I appreciate that so much."},{"speaker":"Average Joe Finances","startTime":23.729,"endTime":27.689,"body":"Hey, I wanna start this off the same"},{"speaker":"Average Joe Finances","startTime":23.729,"endTime":27.689,"body":"way I start every podcast episode,"},{"speaker":"Average Joe Finances","startTime":27.989,"endTime":29.669,"body":"and we wanna know more about you."},{"speaker":"Average Joe Finances","startTime":29.674,"endTime":32.549,"body":"So if you could share a little bit"},{"speaker":"Average Joe Finances","startTime":29.674,"endTime":32.549,"body":"about yourself, share your story."},{"speaker":"Average Joe Finances","startTime":32.909,"endTime":34.669,"body":"Who is Ray Zhang?"},{"speaker":"Ray Zhang","startTime":35.519,"endTime":35.969,"body":"All right."},{"speaker":"Ray Zhang","startTime":35.969,"endTime":39.509,"body":"So I came to the United"},{"speaker":"Ray Zhang","startTime":35.969,"endTime":39.509,"body":"States about 11 years ago."},{"speaker":"Ray Zhang","startTime":39.539,"endTime":41.549,"body":"I went to Hawaii in the north part."},{"speaker":"Ray Zhang","startTime":41.579,"endTime":43.504,"body":"I was studying in the university."},{"speaker":"Ray Zhang","startTime":43.879,"endTime":48.754,"body":"And then I became Eastern homeless because"},{"speaker":"Ray Zhang","startTime":43.879,"endTime":48.754,"body":"I didn't know I didn't bring much money"},{"speaker":"Ray Zhang","startTime":49.084,"endTime":53.978,"body":"from China, because my family did their"},{"speaker":"Ray Zhang","startTime":49.084,"endTime":53.978,"body":"best, but there was not too much money."},{"speaker":"Ray Zhang","startTime":54.031,"endTime":57.222,"body":"So I came to Hawaii and I lived"},{"speaker":"Ray Zhang","startTime":54.031,"endTime":57.222,"body":"in the car for about three months."},{"speaker":"Ray Zhang","startTime":57.672,"endTime":61.182,"body":"So after that I started to flip"},{"speaker":"Ray Zhang","startTime":57.672,"endTime":61.182,"body":"a lot of different stuff, like"},{"speaker":"Ray Zhang","startTime":61.182,"endTime":64.792,"body":"I grabs things on the street"},{"speaker":"Ray Zhang","startTime":61.182,"endTime":64.792,"body":"and try to sell on the Facebook."},{"speaker":"Ray Zhang","startTime":65.457,"endTime":69.745,"body":"I went to Craiglist and tried to find"},{"speaker":"Ray Zhang","startTime":65.457,"endTime":69.745,"body":"free stuff and sell it back on Facebook."},{"speaker":"Ray Zhang","startTime":70.195,"endTime":73.345,"body":"So this is what I did"},{"speaker":"Ray Zhang","startTime":70.195,"endTime":73.345,"body":"when I was in school."},{"speaker":"Ray Zhang","startTime":73.645,"endTime":79.162,"body":"And then after about five years of,"},{"speaker":"Ray Zhang","startTime":73.645,"endTime":79.162,"body":"or six years about hustling, I came"},{"speaker":"Ray Zhang","startTime":79.162,"endTime":81.81,"body":"to to land flip about four years ago."},{"speaker":"Ray Zhang","startTime":81.873,"endTime":82.953,"body":"It's been a great journey."},{"speaker":"Ray Zhang","startTime":82.953,"endTime":86.61,"body":"And this last year, I should say,"},{"speaker":"Ray Zhang","startTime":82.953,"endTime":86.61,"body":"it's already New Year, right?"},{"speaker":"Ray Zhang","startTime":86.61,"endTime":87.78,"body":"So last year."},{"speaker":"Ray Zhang","startTime":88.365,"endTime":91.159,"body":"We did almost 900,000 profit land flip."},{"speaker":"Average Joe Finances","startTime":91.969,"endTime":92.179,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":92.179,"endTime":93.489,"body":"So that's profit you said?"},{"speaker":"Ray Zhang","startTime":93.849,"endTime":94.299,"body":"Correct?"},{"speaker":"Ray Zhang","startTime":94.359,"endTime":94.929,"body":"That's profit."},{"speaker":"Average Joe Finances","startTime":95.379,"endTime":95.739,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":95.739,"endTime":96.139,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":96.144,"endTime":96.399,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":96.399,"endTime":97.239,"body":"Fantastic, man."},{"speaker":"Average Joe Finances","startTime":97.269,"endTime":98.493,"body":"Okay, so let me get this straight."},{"speaker":"Average Joe Finances","startTime":98.498,"endTime":102.213,"body":"So you started off, you were going to"},{"speaker":"Average Joe Finances","startTime":98.498,"endTime":102.213,"body":"school and you were like, okay, you just"},{"speaker":"Average Joe Finances","startTime":102.213,"endTime":105.451,"body":"started flipping whatever you could, you"},{"speaker":"Average Joe Finances","startTime":102.213,"endTime":105.451,"body":"were finding stuff for free on Craigslist."},{"speaker":"Average Joe Finances","startTime":105.451,"endTime":107.732,"body":"You even said something"},{"speaker":"Average Joe Finances","startTime":105.451,"endTime":107.732,"body":"about you picked up a sink."},{"speaker":"Average Joe Finances","startTime":108.152,"endTime":110.072,"body":"Was it somebody had it in their"},{"speaker":"Average Joe Finances","startTime":108.152,"endTime":110.072,"body":"rubbish and stuff and they were"},{"speaker":"Average Joe Finances","startTime":110.072,"endTime":113.297,"body":"throwing it away and you picked up"},{"speaker":"Average Joe Finances","startTime":110.072,"endTime":113.297,"body":"a sink and you sold that as well?"},{"speaker":"Ray Zhang","startTime":114.037,"endTime":115.257,"body":"I pick up or anything."},{"speaker":"Ray Zhang","startTime":115.317,"endTime":116.347,"body":"Like a mattress."},{"speaker":"Ray Zhang","startTime":116.667,"endTime":116.877,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":116.877,"endTime":117.597,"body":"Mattress."},{"speaker":"Ray Zhang","startTime":117.667,"endTime":120.157,"body":"Table, chairs, whatever they don't want."},{"speaker":"Average Joe Finances","startTime":120.224,"endTime":120.494,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":120.494,"endTime":123.645,"body":"So as you're going through this whole"},{"speaker":"Average Joe Finances","startTime":120.494,"endTime":123.645,"body":"thing and trying to figure it out I"},{"speaker":"Average Joe Finances","startTime":123.645,"endTime":125.745,"body":"guess you finish up school, right?"},{"speaker":"Average Joe Finances","startTime":125.775,"endTime":128.785,"body":"What made you like start looking at land?"},{"speaker":"Average Joe Finances","startTime":128.785,"endTime":132.243,"body":"What was that aha moment when you"},{"speaker":"Average Joe Finances","startTime":128.785,"endTime":132.243,"body":"were doing all this other stuff"},{"speaker":"Average Joe Finances","startTime":132.603,"endTime":135.448,"body":"that you said, oh I think land"},{"speaker":"Average Joe Finances","startTime":132.603,"endTime":135.448,"body":"should be the thing I should sell."},{"speaker":"Ray Zhang","startTime":136.218,"endTime":137.778,"body":"Yeah, I actually"},{"speaker":"Ray Zhang","startTime":136.218,"endTime":137.778,"body":"didn't finish school."},{"speaker":"Ray Zhang","startTime":137.778,"endTime":139.828,"body":"I got kicked out the"},{"speaker":"Ray Zhang","startTime":137.778,"endTime":139.828,"body":"first year after school."},{"speaker":"Ray Zhang","startTime":139.828,"endTime":142.167,"body":"Because they don't want"},{"speaker":"Ray Zhang","startTime":139.828,"endTime":142.167,"body":"me to do any business."},{"speaker":"Ray Zhang","startTime":142.235,"endTime":144.77,"body":"But it was the whole point"},{"speaker":"Ray Zhang","startTime":142.235,"endTime":144.77,"body":"of living doing business."},{"speaker":"Ray Zhang","startTime":144.814,"endTime":147.514,"body":"Why do you have to wait"},{"speaker":"Ray Zhang","startTime":144.814,"endTime":147.514,"body":"until you graduate?"},{"speaker":"Ray Zhang","startTime":147.519,"endTime":149.734,"body":"So I started to do that"},{"speaker":"Ray Zhang","startTime":147.519,"endTime":149.734,"body":"when I was in school."},{"speaker":"Ray Zhang","startTime":149.824,"endTime":151.244,"body":"They find out that kick me out."},{"speaker":"Ray Zhang","startTime":151.256,"endTime":154.489,"body":"And then I just flipped cars"},{"speaker":"Ray Zhang","startTime":151.256,"endTime":154.489,"body":"for a living for many years."},{"speaker":"Ray Zhang","startTime":154.909,"endTime":159.301,"body":". And during the time I flipped cars, I"},{"speaker":"Ray Zhang","startTime":154.909,"endTime":159.301,"body":"tried different kinds of real estate."},{"speaker":"Ray Zhang","startTime":159.301,"endTime":161.823,"body":"I dunno, what's your"},{"speaker":"Ray Zhang","startTime":159.301,"endTime":161.823,"body":"experience in Hawaii market?"},{"speaker":"Ray Zhang","startTime":161.823,"endTime":165.843,"body":"But for me, I've tried to"},{"speaker":"Ray Zhang","startTime":161.823,"endTime":165.843,"body":"wholesale houses, I tried to do"},{"speaker":"Ray Zhang","startTime":165.843,"endTime":167.373,"body":"virtual whole selling houses."},{"speaker":"Ray Zhang","startTime":167.733,"endTime":170.488,"body":"I just couldn't work"},{"speaker":"Ray Zhang","startTime":167.733,"endTime":170.488,"body":"well for me in Hawaii."},{"speaker":"Ray Zhang","startTime":170.533,"endTime":172.587,"body":"So that doesn't work so well."},{"speaker":"Ray Zhang","startTime":172.587,"endTime":175.951,"body":"And then I try to find a different"},{"speaker":"Ray Zhang","startTime":172.587,"endTime":175.951,"body":"method to do real estate."},{"speaker":"Ray Zhang","startTime":176.02,"endTime":178.02,"body":"And then I find line about four years"},{"speaker":"Average Joe Finances","startTime":179.069,"endTime":179.309,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":179.309,"endTime":179.549,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":179.549,"endTime":182.247,"body":"So you tried different aspects of"},{"speaker":"Average Joe Finances","startTime":179.549,"endTime":182.247,"body":"real estate out here in Hawaii."},{"speaker":"Average Joe Finances","startTime":182.3,"endTime":182.845,"body":"I get it, man."},{"speaker":"Average Joe Finances","startTime":182.881,"endTime":184.091,"body":"It's definitely tough out here."},{"speaker":"Average Joe Finances","startTime":184.091,"endTime":188.969,"body":"My actual quote unquote day job right now"},{"speaker":"Average Joe Finances","startTime":184.091,"endTime":188.969,"body":"in Hawaii is actually being a real estate"},{"speaker":"Average Joe Finances","startTime":188.969,"endTime":190.559,"body":"agent since I retired from the Navy."},{"speaker":"Average Joe Finances","startTime":190.595,"endTime":192.459,"body":"So yeah the market is pretty tough here."},{"speaker":"Average Joe Finances","startTime":192.459,"endTime":194.799,"body":"Even when it's good it's"},{"speaker":"Average Joe Finances","startTime":192.459,"endTime":194.799,"body":"a tough market, right?"},{"speaker":"Ray Zhang","startTime":194.865,"endTime":195.135,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":195.135,"endTime":197.399,"body":"So it's just"},{"speaker":"Average Joe Finances","startTime":195.135,"endTime":197.399,"body":"you got a lot of investors out here"},{"speaker":"Average Joe Finances","startTime":197.399,"endTime":200.843,"body":"with big money that come out and make"},{"speaker":"Average Joe Finances","startTime":197.399,"endTime":200.843,"body":"things pretty hard for somebody just"},{"speaker":"Average Joe Finances","startTime":200.843,"endTime":203.033,"body":"starting out to, to get involved, right?"},{"speaker":"Average Joe Finances","startTime":203.423,"endTime":203.463,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":203.493,"endTime":206.523,"body":"But now you said something else too"},{"speaker":"Average Joe Finances","startTime":203.493,"endTime":206.523,"body":"that, that caught my attention is"},{"speaker":"Average Joe Finances","startTime":206.523,"endTime":208.345,"body":"that you were flipping cars as well."},{"speaker":"Average Joe Finances","startTime":208.355,"endTime":209.195,"body":"How does that work?"},{"speaker":"Average Joe Finances","startTime":209.195,"endTime":212.278,"body":"Because I've heard of this before,"},{"speaker":"Average Joe Finances","startTime":209.195,"endTime":212.278,"body":"where people will find a car and."},{"speaker":"Average Joe Finances","startTime":213.298,"endTime":214.288,"body":"Sell it for a profit."},{"speaker":"Average Joe Finances","startTime":214.588,"endTime":215.863,"body":"But were you repairing them?"},{"speaker":"Average Joe Finances","startTime":215.863,"endTime":218.69,"body":"What would you do to make it,"},{"speaker":"Average Joe Finances","startTime":215.863,"endTime":218.69,"body":"were you able to make a profit?"},{"speaker":"Ray Zhang","startTime":219.65,"endTime":222.558,"body":"So I think my"},{"speaker":"Ray Zhang","startTime":219.65,"endTime":222.558,"body":"strength is negotiation."},{"speaker":"Ray Zhang","startTime":222.588,"endTime":224.038,"body":"So I can go to, okay."},{"speaker":"Ray Zhang","startTime":224.038,"endTime":227.656,"body":"Any car the private sellers, I"},{"speaker":"Ray Zhang","startTime":224.038,"endTime":227.656,"body":"can go to them and try to get"},{"speaker":"Ray Zhang","startTime":227.656,"endTime":229.726,"body":"it down to very cheap price."},{"speaker":"Ray Zhang","startTime":229.996,"endTime":232.786,"body":"And then I don't really do"},{"speaker":"Ray Zhang","startTime":229.996,"endTime":232.786,"body":"much to the car normally."},{"speaker":"Ray Zhang","startTime":232.786,"endTime":235.539,"body":"I just vacuum it And then"},{"speaker":"Ray Zhang","startTime":232.786,"endTime":235.539,"body":"I'll put it back for sale."},{"speaker":"Ray Zhang","startTime":235.58,"endTime":241.523,"body":"About a year ago when I left Hawaii,"},{"speaker":"Ray Zhang","startTime":235.58,"endTime":241.523,"body":"I was making about $40,000 to $50,000"},{"speaker":"Ray Zhang","startTime":241.523,"endTime":244.503,"body":"per month profit doing cars alone."},{"speaker":"Ray Zhang","startTime":244.574,"endTime":246.299,"body":"That was very good years, I think."},{"speaker":"Ray Zhang","startTime":246.359,"endTime":252.858,"body":"But right now I try to do land full-time"},{"speaker":"Ray Zhang","startTime":246.359,"endTime":252.858,"body":"and land is much easier and you can do it."},{"speaker":"Ray Zhang","startTime":253.173,"endTime":254.543,"body":"Virtually anywhere."},{"speaker":"Ray Zhang","startTime":254.613,"endTime":255.963,"body":"So it is not like cars."},{"speaker":"Ray Zhang","startTime":256.023,"endTime":258.966,"body":"You go to a vacation and"},{"speaker":"Ray Zhang","startTime":256.023,"endTime":258.966,"body":"you have to stop that."},{"speaker":"Ray Zhang","startTime":258.966,"endTime":261.991,"body":"So there's no way you can flip"},{"speaker":"Ray Zhang","startTime":258.966,"endTime":261.991,"body":"cars when you're on vacation."},{"speaker":"Average Joe Finances","startTime":262.049,"endTime":263.189,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":262.049,"endTime":263.189,"body":"no that's interesting though."},{"speaker":"Average Joe Finances","startTime":263.219,"endTime":265.859,"body":"But you said you were making"},{"speaker":"Average Joe Finances","startTime":263.219,"endTime":265.859,"body":"40k to 50k a month doing that."},{"speaker":"Average Joe Finances","startTime":265.859,"endTime":267.389,"body":"You're gonna have to"},{"speaker":"Average Joe Finances","startTime":265.859,"endTime":267.389,"body":"teach me your ways, man."},{"speaker":"Average Joe Finances","startTime":267.389,"endTime":269.325,"body":"That's , that's pretty amazing,"},{"speaker":"Average Joe Finances","startTime":267.389,"endTime":269.325,"body":"especially out here in Hawaii."},{"speaker":"Average Joe Finances","startTime":269.325,"endTime":271.044,"body":"You were doing that,"},{"speaker":"Average Joe Finances","startTime":269.325,"endTime":271.044,"body":"I'm out here in Hawaii."},{"speaker":"Average Joe Finances","startTime":271.044,"endTime":274.01,"body":"So if that's something to look at, man"},{"speaker":"Average Joe Finances","startTime":271.044,"endTime":274.01,"body":"I'll take a look at that's pretty cool."},{"speaker":"Ray Zhang","startTime":274.38,"endTime":276.879,"body":"I actually just create"},{"speaker":"Ray Zhang","startTime":274.38,"endTime":276.879,"body":"a course on that, so if you're"},{"speaker":"Ray Zhang","startTime":276.879,"endTime":279.069,"body":"interested, I can send it your way."},{"speaker":"Average Joe Finances","startTime":279.339,"endTime":281.079,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":279.339,"endTime":281.079,"body":"man, shoot it to me, man."},{"speaker":"Average Joe Finances","startTime":281.079,"endTime":281.649,"body":"That's pretty cool."},{"speaker":"Average Joe Finances","startTime":281.716,"endTime":282.696,"body":". Ah, very interesting."},{"speaker":"Average Joe Finances","startTime":282.726,"endTime":287.539,"body":"Okay, so again you pretty much"},{"speaker":"Average Joe Finances","startTime":282.726,"endTime":287.539,"body":"flipped whatever you could, right?"},{"speaker":"Average Joe Finances","startTime":287.61,"endTime":290.53,"body":"And you were doing quite well"},{"speaker":"Average Joe Finances","startTime":287.61,"endTime":290.53,"body":"with flipping cars, so what made"},{"speaker":"Average Joe Finances","startTime":290.53,"endTime":293.962,"body":"you say, you know what I wanna,"},{"speaker":"Average Joe Finances","startTime":290.53,"endTime":293.962,"body":"I'm gonna flip land instead."},{"speaker":"Ray Zhang","startTime":295.042,"endTime":298.222,"body":"Yeah, so I, when I"},{"speaker":"Ray Zhang","startTime":295.042,"endTime":298.222,"body":"was flipping cars, I do land on"},{"speaker":"Ray Zhang","startTime":298.222,"endTime":299.752,"body":"the side when I go back home."},{"speaker":"Ray Zhang","startTime":299.782,"endTime":299.812,"body":"Okay."},{"speaker":"Ray Zhang","startTime":299.812,"endTime":303.343,"body":"Because people won't come out to check"},{"speaker":"Ray Zhang","startTime":299.812,"endTime":303.343,"body":"out your car after seven or eight o'clock."},{"speaker":"Ray Zhang","startTime":303.343,"endTime":303.433,"body":"Right?"},{"speaker":"Average Joe Finances","startTime":303.433,"endTime":304.718,"body":"Where were"},{"speaker":"Average Joe Finances","startTime":303.433,"endTime":304.718,"body":"you doing it at though because you"},{"speaker":"Average Joe Finances","startTime":304.718,"endTime":306.608,"body":"were flipping the cars on Hawaii."},{"speaker":"Average Joe Finances","startTime":306.728,"endTime":308.018,"body":"Where were you flipping the land at?"},{"speaker":"Ray Zhang","startTime":308.018,"endTime":311.03,"body":"I was doing all over"},{"speaker":"Ray Zhang","startTime":308.018,"endTime":311.03,"body":"the place in Arizona, Colorado."},{"speaker":"Ray Zhang","startTime":311.53,"endTime":313.131,"body":"Florida, Texas by then."},{"speaker":"Ray Zhang","startTime":313.131,"endTime":313.331,"body":"Okay."},{"speaker":"Ray Zhang","startTime":313.331,"endTime":315.411,"body":"But right now I'm in much"},{"speaker":"Ray Zhang","startTime":313.331,"endTime":315.411,"body":"more different markets."},{"speaker":"Ray Zhang","startTime":315.475,"endTime":320.18,"body":"But by then I was in the four markets"},{"speaker":"Ray Zhang","startTime":315.475,"endTime":320.18,"body":"and I never been to any land I sold"},{"speaker":"Ray Zhang","startTime":320.18,"endTime":322.206,"body":"and bought but I just do it virtually."},{"speaker":"After about 7:00 PM 8","startTime":322.256,"endTime":326.387,"body":"00 PM well,"},{"speaker":"After about 7:00 PM 8","startTime":322.256,"endTime":326.387,"body":"nobody come here and look at my cars."},{"speaker":"After about 7:00 PM 8","startTime":326.627,"endTime":329.678,"body":"I will start to try to find deals"},{"speaker":"After about 7:00 PM 8","startTime":326.627,"endTime":329.678,"body":"in the mainland because in the"},{"speaker":"After about 7:00 PM 8","startTime":329.678,"endTime":330.833,"body":"mainland it's still daytime, right?"},{"speaker":"After about 7:00 PM 8","startTime":330.833,"endTime":332.199,"body":"Try to utilize more time."},{"speaker":"Average Joe Finances","startTime":332.762,"endTime":333.092,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":333.122,"endTime":333.332,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":333.349,"endTime":333.979,"body":"That's fair."},{"speaker":"Average Joe Finances","startTime":334.049,"endTime":337.933,"body":"So you started flipping land and you"},{"speaker":"Average Joe Finances","startTime":334.049,"endTime":337.933,"body":"were doing it while you were out here in"},{"speaker":"Average Joe Finances","startTime":337.933,"endTime":340.003,"body":"Hawaii and you were in a different market."},{"speaker":"Average Joe Finances","startTime":340.003,"endTime":342.102,"body":"Now things have shifted for you, right?"},{"speaker":"Average Joe Finances","startTime":342.114,"endTime":345.367,"body":"We talked a little bit off"},{"speaker":"Average Joe Finances","startTime":342.114,"endTime":345.367,"body":"camera about where you live at"},{"speaker":"Average Joe Finances","startTime":345.367,"endTime":346.608,"body":"now, and now you're in Florida."},{"speaker":"Average Joe Finances","startTime":346.636,"endTime":349.806,"body":"So what kind of markets are you"},{"speaker":"Average Joe Finances","startTime":346.636,"endTime":349.806,"body":"looking at right now for land."},{"speaker":"Ray Zhang","startTime":350.023,"endTime":352.905,"body":"For land right now I'm"},{"speaker":"Ray Zhang","startTime":350.023,"endTime":352.905,"body":"in about 45 different markets."},{"speaker":"Ray Zhang","startTime":352.981,"endTime":355.385,"body":"In what do I mean by markets is counties."},{"speaker":"Ray Zhang","startTime":355.595,"endTime":359.761,"body":"So I'm in 40 different counties in"},{"speaker":"Ray Zhang","startTime":355.595,"endTime":359.761,"body":"about eight or nine different states."},{"speaker":"Ray Zhang","startTime":359.844,"endTime":363.887,"body":"Over the place at aside from"},{"speaker":"Ray Zhang","startTime":359.844,"endTime":363.887,"body":"Arizona, Colorado, Florida, Texas,"},{"speaker":"Ray Zhang","startTime":363.997,"endTime":368.143,"body":"I'm in North and South Carolina,"},{"speaker":"Ray Zhang","startTime":363.997,"endTime":368.143,"body":"Georgia just Hawaii, big Island."},{"speaker":"Ray Zhang","startTime":368.213,"endTime":369.413,"body":"Just all over the place right now."},{"speaker":"Average Joe Finances","startTime":370.013,"endTime":370.223,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":370.253,"endTime":371.543,"body":"Oh, even on Big Island too?"},{"speaker":"Ray Zhang","startTime":372.033,"endTime":372.593,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":372.623,"endTime":373.133,"body":"Okay, awesome."},{"speaker":"Average Joe Finances","startTime":373.221,"endTime":375.909,"body":"I was a buddy of mine was telling me"},{"speaker":"Average Joe Finances","startTime":373.221,"endTime":375.909,"body":"he, he had started picking up some"},{"speaker":"Average Joe Finances","startTime":375.909,"endTime":380.047,"body":"pieces of land and, he gave me this"},{"speaker":"Average Joe Finances","startTime":375.909,"endTime":380.047,"body":"website, I was checking it out, I think"},{"speaker":"Average Joe Finances","startTime":380.047,"endTime":383.767,"body":"it was called Priced or something, and"},{"speaker":"Average Joe Finances","startTime":380.047,"endTime":383.767,"body":"he's, he was finding these different"},{"speaker":"Average Joe Finances","startTime":383.767,"endTime":386.737,"body":"lots and he started picking up"},{"speaker":"Average Joe Finances","startTime":383.767,"endTime":386.737,"body":"some lots in, in Arizona and stuff."},{"speaker":"Average Joe Finances","startTime":386.977,"endTime":390.383,"body":"I'm not sure what's going on with that,"},{"speaker":"Average Joe Finances","startTime":386.977,"endTime":390.383,"body":"if he did anything with it yet or not."},{"speaker":"Average Joe Finances","startTime":390.383,"endTime":392.127,"body":"But I was looking at it"},{"speaker":"Average Joe Finances","startTime":390.383,"endTime":392.127,"body":"cause it was like land up for"},{"speaker":"Average Joe Finances","startTime":392.127,"endTime":393.357,"body":"auction, which was pretty neat."},{"speaker":"Average Joe Finances","startTime":393.398,"endTime":396.608,"body":"Some of it was as cheap as 700 bucks,"},{"speaker":"Average Joe Finances","startTime":393.398,"endTime":396.608,"body":"which I thought was pretty cool."},{"speaker":"Average Joe Finances","startTime":398.118,"endTime":401.59,"body":"I didn't really understand the process"},{"speaker":"Average Joe Finances","startTime":398.118,"endTime":401.59,"body":"though, so if you could walk me through"},{"speaker":"Average Joe Finances","startTime":401.62,"endTime":406.42,"body":"what does the process look like from start"},{"speaker":"Average Joe Finances","startTime":401.62,"endTime":406.42,"body":"to finish when you find a lot of land"},{"speaker":"Average Joe Finances","startTime":406.48,"endTime":411.028,"body":"that you're like, okay, this lot I think"},{"speaker":"Average Joe Finances","startTime":406.48,"endTime":411.028,"body":"can flip, I think we can use this one."},{"speaker":"Average Joe Finances","startTime":411.04,"endTime":415.61,"body":"What does that process look like when"},{"speaker":"Average Joe Finances","startTime":411.04,"endTime":415.61,"body":"you find it, purchase it and then,"},{"speaker":"Average Joe Finances","startTime":415.634,"endTime":417.279,"body":"sell it and flip it in the future."},{"speaker":"Ray Zhang","startTime":417.989,"endTime":418.189,"body":"Right?"},{"speaker":"Ray Zhang","startTime":418.209,"endTime":422.409,"body":"So when we bought the land, it's actually"},{"speaker":"Ray Zhang","startTime":418.209,"endTime":422.409,"body":"from, directly from the land owner."},{"speaker":"Ray Zhang","startTime":422.679,"endTime":426.249,"body":"We never go to any website or"},{"speaker":"Ray Zhang","startTime":422.679,"endTime":426.249,"body":"auction sites to buy land because"},{"speaker":"Ray Zhang","startTime":426.275,"endTime":428.085,"body":"there's a lot of competition there."},{"speaker":"Ray Zhang","startTime":428.475,"endTime":431.952,"body":"And whatever for a couple hundred"},{"speaker":"Ray Zhang","startTime":428.475,"endTime":431.952,"body":"dollars is not a super good land."},{"speaker":"Ray Zhang","startTime":432.132,"endTime":434.947,"body":"I assume, you can maybe make"},{"speaker":"Ray Zhang","startTime":432.132,"endTime":434.947,"body":"money, but not that much."},{"speaker":"Ray Zhang","startTime":435.023,"endTime":438.443,"body":"So right now I do land, so"},{"speaker":"Ray Zhang","startTime":435.023,"endTime":438.443,"body":"I will pick a county first."},{"speaker":"Ray Zhang","startTime":438.443,"endTime":440.393,"body":"So market selection is the step one."},{"speaker":"Ray Zhang","startTime":440.753,"endTime":445.703,"body":"So what do you do on market selection is"},{"speaker":"Ray Zhang","startTime":440.753,"endTime":445.703,"body":"you want to find a market that has quite"},{"speaker":"Ray Zhang","startTime":445.703,"endTime":447.473,"body":"a bit of sold in the last three months."},{"speaker":"Ray Zhang","startTime":447.803,"endTime":453.067,"body":"So I'll tell my students you have to"},{"speaker":"Ray Zhang","startTime":447.803,"endTime":453.067,"body":"have at least about 40 sold for land in"},{"speaker":"Ray Zhang","startTime":453.067,"endTime":454.467,"body":"the past three months for that county."},{"speaker":"Ray Zhang","startTime":454.927,"endTime":457.969,"body":"So that's the first"},{"speaker":"Ray Zhang","startTime":454.927,"endTime":457.969,"body":"requirement to pick a country."},{"speaker":"Ray Zhang","startTime":458.219,"endTime":463.73,"body":"And after you pick a county, we have"},{"speaker":"Ray Zhang","startTime":458.219,"endTime":463.73,"body":"some formula we follow to make offers."},{"speaker":"Ray Zhang","startTime":463.76,"endTime":466.81,"body":"I made a podcast with Joe McCall."},{"speaker":"Ray Zhang","startTime":466.835,"endTime":470.878,"body":"On that you guys can search Joe McCall,"},{"speaker":"Ray Zhang","startTime":466.835,"endTime":470.878,"body":"Ray Zhang, and you'll find our interview"},{"speaker":"Ray Zhang","startTime":470.878,"endTime":473.055,"body":"is specifically on how to make offers."},{"speaker":"Ray Zhang","startTime":473.265,"endTime":475.022,"body":"So that's basically the second step."},{"speaker":"Ray Zhang","startTime":475.262,"endTime":479.162,"body":"And after you make offers, you just"},{"speaker":"Ray Zhang","startTime":475.262,"endTime":479.162,"body":"send out the offers to the landowner."},{"speaker":"Ray Zhang","startTime":479.522,"endTime":482.667,"body":"So they'll call you to, they"},{"speaker":"Ray Zhang","startTime":479.522,"endTime":482.667,"body":"either tell you to, f off, right?"},{"speaker":"Ray Zhang","startTime":482.667,"endTime":484.513,"body":"Or you'll find me with offer."},{"speaker":"Ray Zhang","startTime":484.581,"endTime":488.087,"body":"Or second respondent will be, they"},{"speaker":"Ray Zhang","startTime":484.581,"endTime":488.087,"body":"want to sell their land, right?"},{"speaker":"Ray Zhang","startTime":488.087,"endTime":488.417,"body":"Sorry."},{"speaker":"Ray Zhang","startTime":488.417,"endTime":490.697,"body":"They either sign of the"},{"speaker":"Ray Zhang","startTime":488.417,"endTime":490.697,"body":"offer letter or they you."},{"speaker":"Ray Zhang","startTime":491.117,"endTime":493.152,"body":"I am ready to go ahead and sell this."},{"speaker":"Ray Zhang","startTime":493.214,"endTime":496.773,"body":"And then we negotiate on"},{"speaker":"Ray Zhang","startTime":493.214,"endTime":496.773,"body":"top of that offer price."},{"speaker":"Ray Zhang","startTime":497.283,"endTime":502.13,"body":"So we try to bring down even more"},{"speaker":"Ray Zhang","startTime":497.283,"endTime":502.13,"body":"price on, on top of the offer price."},{"speaker":"Ray Zhang","startTime":502.6,"endTime":506.951,"body":"And after that we purchase the"},{"speaker":"Ray Zhang","startTime":502.6,"endTime":506.951,"body":"land, we sell it back to the market"},{"speaker":"Ray Zhang","startTime":506.951,"endTime":509.224,"body":"by listed by realtors on the MLS."},{"speaker":"Ray Zhang","startTime":509.534,"endTime":512.954,"body":"So that's pretty much the whole"},{"speaker":"Ray Zhang","startTime":509.534,"endTime":512.954,"body":"simple version of how the deal works."},{"speaker":"Average Joe Finances","startTime":514.394,"endTime":514.604,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":514.604,"endTime":514.934,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":516.394,"endTime":519.724,"body":"And you actually list it with realtors"},{"speaker":"Average Joe Finances","startTime":516.394,"endTime":519.724,"body":"on the MLS, so you're selling it for a"},{"speaker":"Average Joe Finances","startTime":519.724,"endTime":524.164,"body":"price point high enough where you're able"},{"speaker":"Average Joe Finances","startTime":519.724,"endTime":524.164,"body":"to afford paying the realtor as well?"},{"speaker":"Ray Zhang","startTime":524.734,"endTime":525.394,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":525.844,"endTime":526.334,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":526.339,"endTime":527.234,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":527.324,"endTime":528.024,"body":"Now, yeah."},{"speaker":"Average Joe Finances","startTime":528.024,"endTime":530.019,"body":"What are you doing to reach"},{"speaker":"Average Joe Finances","startTime":528.024,"endTime":530.019,"body":"these buyers directly?"},{"speaker":"Ray Zhang","startTime":530.019,"endTime":531.533,"body":"The buyer, I don't do much."},{"speaker":"Ray Zhang","startTime":531.629,"endTime":532.769,"body":"The realtor will do it."},{"speaker":"Ray Zhang","startTime":532.859,"endTime":533.909,"body":"They'll communicate."},{"speaker":"Ray Zhang","startTime":533.949,"endTime":536.389,"body":"That's why you can go to many"},{"speaker":"Ray Zhang","startTime":533.949,"endTime":536.389,"body":"markets at the same time."},{"speaker":"Ray Zhang","startTime":536.389,"endTime":538.999,"body":"A lot of people try to save"},{"speaker":"Ray Zhang","startTime":536.389,"endTime":538.999,"body":"money and try to wholesale the"},{"speaker":"Ray Zhang","startTime":538.999,"endTime":540.799,"body":"land, which is a big time waste."},{"speaker":"Ray Zhang","startTime":541.299,"endTime":546.357,"body":"You can definitely save the realtor fee"},{"speaker":"Ray Zhang","startTime":541.299,"endTime":546.357,"body":"by doing that, but you cannot save time."},{"speaker":"Average Joe Finances","startTime":546.569,"endTime":546.629,"body":"No."},{"speaker":"Average Joe Finances","startTime":546.686,"endTime":549.505,"body":"Like when you when you pick your counties"},{"speaker":"Average Joe Finances","startTime":546.686,"endTime":549.505,"body":"that you're gonna go into, right?"},{"speaker":"Average Joe Finances","startTime":549.505,"endTime":552.25,"body":"Like you find that county where"},{"speaker":"Average Joe Finances","startTime":549.505,"endTime":552.25,"body":"there was 40 sold in the last year."},{"speaker":"Average Joe Finances","startTime":552.32,"endTime":555.233,"body":", what are you what are you doing"},{"speaker":"Average Joe Finances","startTime":552.32,"endTime":555.233,"body":"to market to the I guess the"},{"speaker":"Average Joe Finances","startTime":555.233,"endTime":556.553,"body":"sellers, sorry, I said buyers."},{"speaker":"Average Joe Finances","startTime":556.823,"endTime":559.823,"body":"What are you doing to market to"},{"speaker":"Average Joe Finances","startTime":556.823,"endTime":559.823,"body":"tho those land sellers that the"},{"speaker":"Average Joe Finances","startTime":559.823,"endTime":562.263,"body":"folks that you're trying to pick"},{"speaker":"Average Joe Finances","startTime":559.823,"endTime":562.263,"body":"up those pieces of land from?"},{"speaker":"Average Joe Finances","startTime":562.263,"endTime":563.35,"body":"What are you doing to find them."},{"speaker":"Ray Zhang","startTime":563.704,"endTime":564.989,"body":"I send a direct mail."},{"speaker":"Ray Zhang","startTime":564.989,"endTime":565.168,"body":"Okay."},{"speaker":"Ray Zhang","startTime":565.199,"endTime":566.609,"body":"In the mail has an offer letter."},{"speaker":"Ray Zhang","startTime":566.609,"endTime":570.858,"body":"So that's we make offers before we"},{"speaker":"Ray Zhang","startTime":566.609,"endTime":570.858,"body":"send it out, and then we send out the"},{"speaker":"Ray Zhang","startTime":570.858,"endTime":572.718,"body":"offer letter with a price on there."},{"speaker":"Average Joe Finances","startTime":573.678,"endTime":573.918,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":573.927,"endTime":575.058,"body":"Yeah, so it's very personal."},{"speaker":"Average Joe Finances","startTime":575.058,"endTime":578.668,"body":"It's not like one of those blanket,"},{"speaker":"Average Joe Finances","startTime":575.058,"endTime":578.668,"body":"direct mailers that you get."},{"speaker":"Average Joe Finances","startTime":578.668,"endTime":582.737,"body":"It's Hey, this piece of land right"},{"speaker":"Average Joe Finances","startTime":578.668,"endTime":582.737,"body":"here that you own, we're gonna"},{"speaker":"Average Joe Finances","startTime":582.737,"endTime":584.327,"body":"offer you this much money for it."},{"speaker":"Average Joe Finances","startTime":584.717,"endTime":585.867,"body":"Get back in touch with us."},{"speaker":"Ray Zhang","startTime":586.317,"endTime":587.012,"body":"Yeah, definitely."},{"speaker":"Ray Zhang","startTime":587.042,"endTime":588.002,"body":"That's something like that."},{"speaker":"Ray Zhang","startTime":588.152,"endTime":588.405,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":588.405,"endTime":592.131,"body":"I tell my student, your direct"},{"speaker":"Ray Zhang","startTime":588.405,"endTime":592.131,"body":"mail is your little army."},{"speaker":"Ray Zhang","startTime":592.701,"endTime":595.221,"body":"They kill all the non-motivated sellers."},{"speaker":"Ray Zhang","startTime":596.121,"endTime":599.181,"body":"So only the people who are motivated"},{"speaker":"Ray Zhang","startTime":596.121,"endTime":599.181,"body":"to sell you, they either motivated"},{"speaker":"Ray Zhang","startTime":599.181,"endTime":601.971,"body":"to curse on you or they're mo"},{"speaker":"Ray Zhang","startTime":599.181,"endTime":601.971,"body":"motivated to sell their land,"},{"speaker":"Average Joe Finances","startTime":602.07,"endTime":603.39,"body":"Okay, that's fair."},{"speaker":"Average Joe Finances","startTime":603.57,"endTime":603.78,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":603.78,"endTime":606.18,"body":"They're either gonna curse you out"},{"speaker":"Average Joe Finances","startTime":603.78,"endTime":606.18,"body":"or they're gonna say, yeah, you know"},{"speaker":"Average Joe Finances","startTime":606.18,"endTime":608.371,"body":"what I'll sell you my land and then"},{"speaker":"Average Joe Finances","startTime":606.18,"endTime":608.371,"body":"even then, there's probably gonna be"},{"speaker":"Average Joe Finances","startTime":608.376,"endTime":610.987,"body":"some negotiation in there because they"},{"speaker":"Average Joe Finances","startTime":608.376,"endTime":610.987,"body":"might say, oh maybe a little higher"},{"speaker":"Average Joe Finances","startTime":610.987,"endTime":614.26,"body":"than the price you offered me, or"},{"speaker":"Average Joe Finances","startTime":610.987,"endTime":614.26,"body":"whatever, it gets your foot in the door."},{"speaker":"Average Joe Finances","startTime":614.74,"endTime":616.21,"body":"So I think that's the important thing."},{"speaker":"Average Joe Finances","startTime":616.212,"endTime":619.053,"body":"I hear a lot of people talk about"},{"speaker":"Average Joe Finances","startTime":616.212,"endTime":619.053,"body":"that too, like with direct mail"},{"speaker":"Average Joe Finances","startTime":619.076,"endTime":621.709,"body":"just for real estate in general,"},{"speaker":"Average Joe Finances","startTime":619.076,"endTime":621.709,"body":"like a lot of wholesalers do it."},{"speaker":"Average Joe Finances","startTime":622.269,"endTime":625.466,"body":"I've done it as a realtor and I"},{"speaker":"Average Joe Finances","startTime":622.269,"endTime":625.466,"body":"felt it, especially when you do like"},{"speaker":"Average Joe Finances","startTime":625.496,"endTime":628.596,"body":"generic direct mailers, I felt like"},{"speaker":"Average Joe Finances","startTime":625.496,"endTime":628.596,"body":"that was a waste of money for me."},{"speaker":"Average Joe Finances","startTime":628.596,"endTime":632.573,"body":"But it seems like, the way you're doing"},{"speaker":"Average Joe Finances","startTime":628.596,"endTime":632.573,"body":"it makes it very personal and direct"},{"speaker":"Average Joe Finances","startTime":632.573,"endTime":634.583,"body":"speaking directly to that individual."},{"speaker":"Average Joe Finances","startTime":634.583,"endTime":638.106,"body":"And I think if you're doing something"},{"speaker":"Average Joe Finances","startTime":634.583,"endTime":638.106,"body":"like that, it makes it more, more"},{"speaker":"Average Joe Finances","startTime":638.106,"endTime":642.036,"body":"palatable for them to, to wanna read"},{"speaker":"Average Joe Finances","startTime":638.106,"endTime":642.036,"body":"it and look a little further into it."},{"speaker":"Ray Zhang","startTime":642.1,"endTime":642.41,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":642.455,"endTime":643.265,"body":"That's awesome, man."},{"speaker":"Average Joe Finances","startTime":643.775,"endTime":647.21,"body":"Now, throughout your land buying"},{"speaker":"Average Joe Finances","startTime":643.775,"endTime":647.21,"body":"journey, I'm pretty sure you've"},{"speaker":"Average Joe Finances","startTime":647.21,"endTime":650.12,"body":"encountered some crazy things, right?"},{"speaker":"Average Joe Finances","startTime":650.175,"endTime":652.37,"body":", what is maybe one of the"},{"speaker":"Average Joe Finances","startTime":650.175,"endTime":652.37,"body":"craziest things you've seen"},{"speaker":"Average Joe Finances","startTime":652.37,"endTime":653.538,"body":"when purchasing a piece of land?"},{"speaker":"Ray Zhang","startTime":653.538,"endTime":656.282,"body":"I have seen"},{"speaker":"Ray Zhang","startTime":653.538,"endTime":656.282,"body":"like a lot of crazy price."},{"speaker":"Ray Zhang","startTime":656.282,"endTime":659.883,"body":"I bought the land and that happened"},{"speaker":"Ray Zhang","startTime":656.282,"endTime":659.883,"body":"to me when I bought and sell cars."},{"speaker":"Ray Zhang","startTime":659.953,"endTime":664.529,"body":"So if I'm not sure if my negotiation"},{"speaker":"Ray Zhang","startTime":659.953,"endTime":664.529,"body":"skill is that, that good, but"},{"speaker":"Ray Zhang","startTime":664.532,"endTime":665.925,"body":"I always got killing bills."},{"speaker":"Ray Zhang","startTime":666.028,"endTime":667.739,"body":"What I mean is super cheap bills."},{"speaker":"Ray Zhang","startTime":667.769,"endTime":669.689,"body":"I got a car in Hawaii for a hundred bucks."},{"speaker":"Ray Zhang","startTime":669.999,"endTime":671.529,"body":"I sold it for $2,500."},{"speaker":"Ray Zhang","startTime":671.556,"endTime":672.541,"body":"So nobody believed that."},{"speaker":"Ray Zhang","startTime":672.931,"endTime":676.534,"body":"And I bought a land ocean front for $700."},{"speaker":"Ray Zhang","startTime":677.369,"endTime":683.817,"body":"and when the owner bought it"},{"speaker":"Ray Zhang","startTime":677.369,"endTime":683.817,"body":"in 2001 for about $155,000."},{"speaker":"Ray Zhang","startTime":684.137,"endTime":685.547,"body":"So I bought it for 700 bucks."},{"speaker":"Ray Zhang","startTime":685.628,"endTime":687.508,"body":"Just I think, I guess that's crazy."},{"speaker":"Ray Zhang","startTime":687.508,"endTime":688.978,"body":"I got two line for free last year."},{"speaker":"Average Joe Finances","startTime":689.077,"endTime":690.416,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":689.077,"endTime":690.416,"body":"that is a crazy number."},{"speaker":"Average Joe Finances","startTime":690.425,"endTime":692.901,"body":"And you say oceanfront, like"},{"speaker":"Average Joe Finances","startTime":690.425,"endTime":692.901,"body":"where was that at what state?"},{"speaker":"Ray Zhang","startTime":692.973,"endTime":693.933,"body":"South Carolina."},{"speaker":"Average Joe Finances","startTime":694.353,"endTime":695.063,"body":"Wow,"},{"speaker":"Ray Zhang","startTime":695.583,"endTime":695.733,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":695.987,"endTime":695.988,"body":"Okay."},{"speaker":"Ray Zhang","startTime":696.347,"endTime":697.397,"body":"It's in a small island."},{"speaker":"Ray Zhang","startTime":697.397,"endTime":698.722,"body":"You have to take the ferry."},{"speaker":"Ray Zhang","startTime":698.722,"endTime":698.902,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":698.932,"endTime":699.292,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":699.772,"endTime":700.132,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":701.182,"endTime":701.422,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":701.422,"endTime":702.052,"body":"That's awesome, man."},{"speaker":"Average Joe Finances","startTime":702.052,"endTime":704.674,"body":"Actually I've heard of a couple"},{"speaker":"Average Joe Finances","startTime":702.052,"endTime":704.674,"body":"people that are buying, they try"},{"speaker":"Average Joe Finances","startTime":704.674,"endTime":707.567,"body":"to buy like whole islands out there"},{"speaker":"Average Joe Finances","startTime":704.674,"endTime":707.567,"body":"now, and turn it into whatever."},{"speaker":"Average Joe Finances","startTime":707.567,"endTime":710.447,"body":"But that's amazing cause even with"},{"speaker":"Average Joe Finances","startTime":707.567,"endTime":710.447,"body":"something like that, somebody could"},{"speaker":"Average Joe Finances","startTime":710.452,"endTime":712.547,"body":"build like a private, secluded."},{"speaker":"Average Joe Finances","startTime":713.162,"endTime":714.722,"body":"Airbnb or something like that."},{"speaker":"Average Joe Finances","startTime":714.722,"endTime":716.382,"body":"I There's a lot of stuff you"},{"speaker":"Average Joe Finances","startTime":714.722,"endTime":716.382,"body":"could do with land like that,"},{"speaker":"Average Joe Finances","startTime":716.382,"endTime":717.776,"body":"especially on an island like that."},{"speaker":"Ray Zhang","startTime":718.466,"endTime":718.736,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":719.246,"endTime":720.145,"body":"So"},{"speaker":"Average Joe Finances","startTime":719.246,"endTime":720.145,"body":"that's pretty amazing."},{"speaker":"Average Joe Finances","startTime":720.145,"endTime":723.677,"body":"That was that because the person"},{"speaker":"Average Joe Finances","startTime":720.145,"endTime":723.677,"body":"originally bought it at that price and"},{"speaker":"Average Joe Finances","startTime":723.677,"endTime":726.977,"body":"then someone else inherited it and they"},{"speaker":"Average Joe Finances","startTime":723.677,"endTime":726.977,"body":"just didn't wanna pay the taxes on it."},{"speaker":"Average Joe Finances","startTime":727.597,"endTime":729.262,"body":"Did you ever run into"},{"speaker":"Average Joe Finances","startTime":727.597,"endTime":729.262,"body":"situations like that?"},{"speaker":"Ray Zhang","startTime":730.117,"endTime":730.687,"body":"Absolutely."},{"speaker":"Ray Zhang","startTime":730.687,"endTime":733.147,"body":"So in this case, for"},{"speaker":"Ray Zhang","startTime":730.687,"endTime":733.147,"body":"the ultra in front one."},{"speaker":"Ray Zhang","startTime":733.417,"endTime":736.087,"body":"So she just wanted to"},{"speaker":"Ray Zhang","startTime":733.417,"endTime":736.087,"body":"claim a lot on her text."},{"speaker":"Ray Zhang","startTime":736.087,"endTime":740.467,"body":"So she said, if you can close, if you"},{"speaker":"Ray Zhang","startTime":736.087,"endTime":740.467,"body":"can close within a week, that's yours."},{"speaker":"Ray Zhang","startTime":740.557,"endTime":742.229,"body":"I said, okay that's something I can do."},{"speaker":"Ray Zhang","startTime":742.259,"endTime":742.499,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":742.499,"endTime":745.079,"body":"So a lot of people sell their"},{"speaker":"Ray Zhang","startTime":742.499,"endTime":745.079,"body":"land for different reasons."},{"speaker":"Ray Zhang","startTime":745.079,"endTime":748.693,"body":"I have a lot of people doubt this"},{"speaker":"Ray Zhang","startTime":745.079,"endTime":748.693,"body":"because they think, oh, if they know"},{"speaker":"Ray Zhang","startTime":748.723,"endTime":751.456,"body":"how much their land is worth, how,"},{"speaker":"Ray Zhang","startTime":748.723,"endTime":751.456,"body":"why do they sell it for that low?"},{"speaker":"Ray Zhang","startTime":751.456,"endTime":753.858,"body":"They actually do, people"},{"speaker":"Ray Zhang","startTime":751.456,"endTime":753.858,"body":"have different reason."},{"speaker":"Ray Zhang","startTime":754.303,"endTime":755.352,"body":"That you don't have."},{"speaker":"Ray Zhang","startTime":755.622,"endTime":760.332,"body":"As for instance, I got that two line"},{"speaker":"Ray Zhang","startTime":755.622,"endTime":760.332,"body":"for free and one of them is the guy is"},{"speaker":"Ray Zhang","startTime":760.332,"endTime":765.392,"body":"so old, he's 80 years old and he got"},{"speaker":"Ray Zhang","startTime":760.332,"endTime":765.392,"body":"my offer letter for 8,000 bucks and he"},{"speaker":"Ray Zhang","startTime":765.397,"endTime":769.982,"body":"saw the offer price and he still tell,"},{"speaker":"Ray Zhang","startTime":765.397,"endTime":769.982,"body":"told me, Hey, I don't want your money."},{"speaker":"Ray Zhang","startTime":769.982,"endTime":771.511,"body":"Just come and send me the deed."},{"speaker":"Ray Zhang","startTime":771.571,"endTime":772.321,"body":"Let's close it."},{"speaker":"Ray Zhang","startTime":772.321,"endTime":777.639,"body":"I don't want it because it brought"},{"speaker":"Ray Zhang","startTime":772.321,"endTime":777.639,"body":"him so much paying in the past the"},{"speaker":"Ray Zhang","startTime":777.639,"endTime":782.307,"body":"city gave him a fine, or there is a"},{"speaker":"Ray Zhang","startTime":777.639,"endTime":782.307,"body":"DeLuca in taxes but not that much."},{"speaker":"Ray Zhang","startTime":782.312,"endTime":785.389,"body":"I paid about $1,500 on the"},{"speaker":"Ray Zhang","startTime":782.312,"endTime":785.389,"body":"back taxes and everything."},{"speaker":"Ray Zhang","startTime":785.389,"endTime":787.471,"body":"So I sold that land for $16,000."},{"speaker":"Ray Zhang","startTime":787.532,"endTime":789.907,"body":"People get rid of their"},{"speaker":"Ray Zhang","startTime":787.532,"endTime":789.907,"body":"land for different reasons."},{"speaker":"Average Joe Finances","startTime":789.907,"endTime":791.479,"body":"Yeah,"},{"speaker":"Average Joe Finances","startTime":789.907,"endTime":791.479,"body":"that's a little over a hundred"},{"speaker":"Average Joe Finances","startTime":791.479,"endTime":793.741,"body":"x return if you think about what"},{"speaker":"Average Joe Finances","startTime":791.479,"endTime":793.741,"body":"you had to pay for the taxes."},{"speaker":"Average Joe Finances","startTime":793.741,"endTime":796.013,"body":"So that's that's pretty amazing,"},{"speaker":"Average Joe Finances","startTime":793.741,"endTime":796.013,"body":"it's funny though, because like"},{"speaker":"Average Joe Finances","startTime":796.068,"endTime":798.648,"body":"when you dive a little bit deeper"},{"speaker":"Average Joe Finances","startTime":796.068,"endTime":798.648,"body":"into some of these and you see some"},{"speaker":"Average Joe Finances","startTime":798.653,"endTime":800.208,"body":"of the reasons that people sell."},{"speaker":"Average Joe Finances","startTime":800.284,"endTime":803.374,"body":"It goes to show that not"},{"speaker":"Average Joe Finances","startTime":800.284,"endTime":803.374,"body":"every story's the same, right?"},{"speaker":"Average Joe Finances","startTime":803.374,"endTime":805.384,"body":"Not every piece of land's"},{"speaker":"Average Joe Finances","startTime":803.374,"endTime":805.384,"body":"always gonna be the same."},{"speaker":"Average Joe Finances","startTime":805.654,"endTime":807.694,"body":"It's the same thing in any"},{"speaker":"Average Joe Finances","startTime":805.654,"endTime":807.694,"body":"piece of real estate, right?"},{"speaker":"Average Joe Finances","startTime":807.722,"endTime":811.801,"body":"What you're doing right now at, with your"},{"speaker":"Average Joe Finances","startTime":807.722,"endTime":811.801,"body":"land flipping, is you're helping people"},{"speaker":"Average Joe Finances","startTime":811.801,"endTime":813.421,"body":"solve problems that they might have."},{"speaker":"Average Joe Finances","startTime":813.494,"endTime":816.343,"body":"I never would've thought of, somebody"},{"speaker":"Average Joe Finances","startTime":813.494,"endTime":816.343,"body":"saying, oh yeah, you know what?"},{"speaker":"Average Joe Finances","startTime":816.343,"endTime":819.883,"body":"I'll sell my $150,000 piece of"},{"speaker":"Average Joe Finances","startTime":816.343,"endTime":819.883,"body":"land for 700 bucks because I get to"},{"speaker":"Average Joe Finances","startTime":819.883,"endTime":821.563,"body":"claim this huge loss on my taxes."},{"speaker":"Average Joe Finances","startTime":821.863,"endTime":824.863,"body":"You know that's probably somebody who"},{"speaker":"Average Joe Finances","startTime":821.863,"endTime":824.863,"body":"did really well that year and they"},{"speaker":"Average Joe Finances","startTime":824.863,"endTime":826.753,"body":"need something to lower that bill."},{"speaker":"Ray Zhang","startTime":827.633,"endTime":828.253,"body":"Absolutely."},{"speaker":"Ray Zhang","startTime":829.223,"endTime":830.933,"body":"So you never know what they would do."},{"speaker":"Ray Zhang","startTime":832.433,"endTime":832.923,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":832.928,"endTime":833.063,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":834.083,"endTime":834.593,"body":"All right, man."},{"speaker":"Average Joe Finances","startTime":834.593,"endTime":835.013,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":835.08,"endTime":838.339,"body":"Now that's some of the craziest things"},{"speaker":"Average Joe Finances","startTime":835.08,"endTime":838.339,"body":"you've seen now with the car flipping."},{"speaker":"Average Joe Finances","startTime":838.36,"endTime":840.283,"body":"Now you had mentioned that there"},{"speaker":"Average Joe Finances","startTime":838.36,"endTime":840.283,"body":"was one that you bought for a"},{"speaker":"Average Joe Finances","startTime":840.283,"endTime":842.257,"body":"$100 and you sold it for $2,200."},{"speaker":"Average Joe Finances","startTime":842.278,"endTime":844.088,"body":"How do you find something like that?"},{"speaker":"Average Joe Finances","startTime":844.088,"endTime":844.75,"body":"Just in general?"},{"speaker":"Average Joe Finances","startTime":844.75,"endTime":845.71,"body":"I'm just curious."},{"speaker":"Ray Zhang","startTime":847.925,"endTime":848.815,"body":"The first rule, was."},{"speaker":"Average Joe Finances","startTime":848.815,"endTime":850.435,"body":"That"},{"speaker":"Average Joe Finances","startTime":848.815,"endTime":850.435,"body":"like Facebook marketplace or?"},{"speaker":"Ray Zhang","startTime":850.885,"endTime":852.758,"body":"Yeah, I believe"},{"speaker":"Ray Zhang","startTime":850.885,"endTime":852.758,"body":"it was Craiglist by then,"},{"speaker":"Ray Zhang","startTime":852.788,"endTime":854.144,"body":"but I used two both of them."},{"speaker":"Ray Zhang","startTime":854.144,"endTime":857.795,"body":"Again, if you want the course,"},{"speaker":"Ray Zhang","startTime":854.144,"endTime":857.795,"body":"I can send you  and so there's"},{"speaker":"Ray Zhang","startTime":857.855,"endTime":859.025,"body":"two ways you can find deals."},{"speaker":"Ray Zhang","startTime":859.055,"endTime":862.161,"body":"One is Facebook Marketplace,"},{"speaker":"Ray Zhang","startTime":859.055,"endTime":862.161,"body":"and then otherwise Craiglist."},{"speaker":"Ray Zhang","startTime":862.199,"endTime":866.575,"body":"The first rule of finding a good"},{"speaker":"Ray Zhang","startTime":862.199,"endTime":866.575,"body":"deal is to, so you cannot just"},{"speaker":"Ray Zhang","startTime":866.575,"endTime":869.264,"body":"sit there and people will be"},{"speaker":"Ray Zhang","startTime":866.575,"endTime":869.264,"body":"like, oh, where's a good deal?"},{"speaker":"Ray Zhang","startTime":869.264,"endTime":869.894,"body":"Where's a good deal?"},{"speaker":"Ray Zhang","startTime":870.194,"endTime":873.185,"body":"So the good deal is when"},{"speaker":"Ray Zhang","startTime":870.194,"endTime":873.185,"body":"you find it diligently."},{"speaker":"Ray Zhang","startTime":873.19,"endTime":875.755,"body":"So for example, when flip cars."},{"speaker":"Ray Zhang","startTime":876.115,"endTime":880.135,"body":"I look at my phone every 15"},{"speaker":"Ray Zhang","startTime":876.115,"endTime":880.135,"body":"minutes for new listings, for cars."},{"speaker":"Ray Zhang","startTime":880.187,"endTime":884.178,"body":"Every time I'm just flipping the phone"},{"speaker":"Ray Zhang","startTime":880.187,"endTime":884.178,"body":"and you can, there is always deals here"},{"speaker":"Ray Zhang","startTime":884.183,"endTime":885.948,"body":"and there, especially in Hawaii market."},{"speaker":"Ray Zhang","startTime":886.128,"endTime":889.158,"body":"That's extremely easy"},{"speaker":"Ray Zhang","startTime":886.128,"endTime":889.158,"body":"to flip cars, very easy."},{"speaker":"Ray Zhang","startTime":889.158,"endTime":891.478,"body":"I wish I can do the same market here that."},{"speaker":"Ray Zhang","startTime":891.545,"endTime":892.605,"body":"I tried something here."},{"speaker":"Ray Zhang","startTime":892.633,"endTime":897.433,"body":"It is, it's just not as easy because"},{"speaker":"Ray Zhang","startTime":892.633,"endTime":897.433,"body":"Hawaii is in general a vacation place."},{"speaker":"Ray Zhang","startTime":897.763,"endTime":902.173,"body":"People stay there for a very short"},{"speaker":"Ray Zhang","startTime":897.763,"endTime":902.173,"body":"time, and when they leave, guess what?"},{"speaker":"Ray Zhang","startTime":902.178,"endTime":902.953,"body":"They have to sell."},{"speaker":"Ray Zhang","startTime":903.673,"endTime":906.026,"body":"They have to sell their house and"},{"speaker":"Ray Zhang","startTime":903.673,"endTime":906.026,"body":"then their house and the cars."},{"speaker":"Ray Zhang","startTime":906.026,"endTime":908.794,"body":"And when they get there,"},{"speaker":"Ray Zhang","startTime":906.026,"endTime":908.794,"body":"what do they buy first?"},{"speaker":"Ray Zhang","startTime":909.474,"endTime":910.404,"body":"The car, right?"},{"speaker":"Ray Zhang","startTime":910.424,"endTime":914.348,"body":"So you can have the boat market and"},{"speaker":"Ray Zhang","startTime":910.424,"endTime":914.348,"body":"you don't see much, like a downturn"},{"speaker":"Ray Zhang","startTime":914.348,"endTime":918.784,"body":"sometime, even on Christmas you can, I"},{"speaker":"Ray Zhang","startTime":914.348,"endTime":918.784,"body":"remember there was a day when I was in"},{"speaker":"Ray Zhang","startTime":918.784,"endTime":923.194,"body":"Hawaii, there was like a huge hurricane,"},{"speaker":"Ray Zhang","startTime":918.784,"endTime":923.194,"body":"whatever, nobody on the street, right?"},{"speaker":"Ray Zhang","startTime":923.769,"endTime":927.569,"body":"and I was living in the penthouse"},{"speaker":"Ray Zhang","startTime":923.769,"endTime":927.569,"body":"in Honolulu and I see, I look"},{"speaker":"Ray Zhang","startTime":927.569,"endTime":929.039,"body":"down, there's absolutely no cars."},{"speaker":"Ray Zhang","startTime":929.369,"endTime":930.822,"body":"So that day I saw the car."},{"speaker":"Ray Zhang","startTime":930.861,"endTime":933.575,"body":"There's, every day you"},{"speaker":"Ray Zhang","startTime":930.861,"endTime":933.575,"body":"can find a deal there."},{"speaker":"Average Joe Finances","startTime":933.626,"endTime":934.604,"body":"Yeah, that's okay."},{"speaker":"Average Joe Finances","startTime":934.604,"endTime":936.569,"body":"Yeah, step one, find, go find that deal."},{"speaker":"Average Joe Finances","startTime":936.616,"endTime":940.568,"body":"Okay alright, Ray I want to ask"},{"speaker":"Average Joe Finances","startTime":936.616,"endTime":940.568,"body":"you then, so besides just the"},{"speaker":"Average Joe Finances","startTime":940.568,"endTime":943.388,"body":"car flipping, the land, flipping,"},{"speaker":"Average Joe Finances","startTime":940.568,"endTime":943.388,"body":"obviously everything that you've"},{"speaker":"Average Joe Finances","startTime":943.388,"endTime":945.26,"body":"done you've been very successful at."},{"speaker":"Average Joe Finances","startTime":945.26,"endTime":948.012,"body":"But I know it took a lot"},{"speaker":"Average Joe Finances","startTime":945.26,"endTime":948.012,"body":"of hard work to get there."},{"speaker":"Average Joe Finances","startTime":948.252,"endTime":953.452,"body":"So what would you say are your steps"},{"speaker":"Average Joe Finances","startTime":948.252,"endTime":953.452,"body":"for success just in life in general?"},{"speaker":"Ray Zhang","startTime":953.452,"endTime":954.825,"body":"Just what do"},{"speaker":"Ray Zhang","startTime":953.452,"endTime":954.825,"body":"you say in the background?"},{"speaker":"Ray Zhang","startTime":954.885,"endTime":955.825,"body":"Work hard and hustle."},{"speaker":"Ray Zhang","startTime":955.855,"endTime":956.365,"body":"I like that."},{"speaker":"Ray Zhang","startTime":957.175,"endTime":957.46,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":957.46,"endTime":958.269,"body":"You got it already."},{"speaker":"Ray Zhang","startTime":958.689,"endTime":960.297,"body":"And what do I mean by work hard?"},{"speaker":"Ray Zhang","startTime":960.627,"endTime":962.187,"body":"Work hard when you don't want to."},{"speaker":"Ray Zhang","startTime":962.577,"endTime":965.243,"body":"Work hard when everyone"},{"speaker":"Ray Zhang","startTime":962.577,"endTime":965.243,"body":"tell you're crazy, right?"},{"speaker":"Ray Zhang","startTime":965.248,"endTime":968.093,"body":"I got this all the time,"},{"speaker":"Ray Zhang","startTime":965.248,"endTime":968.093,"body":"especially for my wife, and she's"},{"speaker":"Ray Zhang","startTime":968.151,"endTime":969.861,"body":"you work, always work, work."},{"speaker":"Ray Zhang","startTime":969.891,"endTime":971.063,"body":"All of it's work, even."},{"speaker":"Ray Zhang","startTime":971.718,"endTime":974.357,"body":"Last last couple weeks"},{"speaker":"Ray Zhang","startTime":971.718,"endTime":974.357,"body":"is during Christmas."},{"speaker":"Ray Zhang","startTime":974.357,"endTime":978.014,"body":"So we went to Dallas"},{"speaker":"Ray Zhang","startTime":974.357,"endTime":978.014,"body":"and visited the in-laws."},{"speaker":"Ray Zhang","startTime":978.464,"endTime":981.224,"body":"And even in there I still working."},{"speaker":"Ray Zhang","startTime":981.229,"endTime":984.044,"body":"I brought my mic here"},{"speaker":"Ray Zhang","startTime":981.229,"endTime":984.044,"body":"and attached their table."},{"speaker":"Ray Zhang","startTime":984.314,"endTime":987.564,"body":"I got all my computers"},{"speaker":"Ray Zhang","startTime":984.314,"endTime":987.564,"body":"and I start to do content."},{"speaker":"Ray Zhang","startTime":987.592,"endTime":989.883,"body":"So this is how, what do"},{"speaker":"Ray Zhang","startTime":987.592,"endTime":989.883,"body":"you mean by work hard?"},{"speaker":"Ray Zhang","startTime":990.273,"endTime":992.332,"body":"And but I do take a day off every week."},{"speaker":"Ray Zhang","startTime":992.332,"endTime":993.772,"body":"That Sunday I have to go to church."},{"speaker":"Ray Zhang","startTime":993.839,"endTime":995.013,"body":"But the rest of the day."},{"speaker":"Ray Zhang","startTime":995.05,"endTime":996.039,"body":"You work there at night."},{"speaker":"Ray Zhang","startTime":996.055,"endTime":997.968,"body":"That's a basic line if you wanna make it."},{"speaker":"Average Joe Finances","startTime":997.997,"endTime":998.807,"body":"Yeah, I like it, man."},{"speaker":"Average Joe Finances","startTime":998.835,"endTime":1000.225,"body":"You got to hustle and you got to work."},{"speaker":"Average Joe Finances","startTime":1000.253,"endTime":1000.866,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":1000.948,"endTime":1003.198,"body":"You even brought your mic"},{"speaker":"Average Joe Finances","startTime":1000.948,"endTime":1003.198,"body":"and stuff there with you."},{"speaker":"Average Joe Finances","startTime":1003.257,"endTime":1003.797,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":1004.037,"endTime":1006.704,"body":"So and you said create contents, like"},{"speaker":"Average Joe Finances","startTime":1004.037,"endTime":1006.704,"body":"what kind of content are you creating?"},{"speaker":"Average Joe Finances","startTime":1006.704,"endTime":1008.234,"body":"I know you have courses, right?"},{"speaker":"Average Joe Finances","startTime":1008.26,"endTime":1008.845,"body":"What else are you doing?"},{"speaker":"Average Joe Finances","startTime":1008.845,"endTime":1010.795,"body":"Are you like on social media anywhere?"},{"speaker":"Average Joe Finances","startTime":1010.894,"endTime":1011.794,"body":"Sharing stuff."},{"speaker":"Ray Zhang","startTime":1012.514,"endTime":1013.314,"body":"Yeah, absolutely."},{"speaker":"Ray Zhang","startTime":1013.334,"endTime":1014.694,"body":"I'm mean Instagram a lot."},{"speaker":"Ray Zhang","startTime":1014.719,"endTime":1020.609,"body":"My Instagram is called Virtual Flipland,"},{"speaker":"Ray Zhang","startTime":1014.719,"endTime":1020.609,"body":"so V I R T U A L, Virtual Flipland."},{"speaker":"Ray Zhang","startTime":1021.019,"endTime":1024.789,"body":"And my content is more about land"},{"speaker":"Ray Zhang","startTime":1021.019,"endTime":1024.789,"body":"flipping and sometimes about car flipping."},{"speaker":"Ray Zhang","startTime":1024.789,"endTime":1026.0,"body":"But mainly about land."},{"speaker":"Average Joe Finances","startTime":1026.09,"endTime":1026.42,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1026.63,"endTime":1027.02,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":1027.02,"endTime":1027.2,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1027.29,"endTime":1028.29,"body":"Are you on TikTok at all?"},{"speaker":"Ray Zhang","startTime":1029.48,"endTime":1031.5,"body":"Yeah, I just create a TikTok."},{"speaker":"Average Joe Finances","startTime":1031.5,"endTime":1031.927,"body":"Okay, cool."},{"speaker":"Average Joe Finances","startTime":1032.227,"endTime":1033.74,"body":"As I say, man, you got to get on that man."},{"speaker":"Average Joe Finances","startTime":1033.74,"endTime":1034.592,"body":"TikTok is like."},{"speaker":"Ray Zhang","startTime":1034.622,"endTime":1035.192,"body":"Blowing."},{"speaker":"Average Joe Finances","startTime":1035.432,"endTime":1037.292,"body":"The social"},{"speaker":"Average Joe Finances","startTime":1035.432,"endTime":1037.292,"body":"media place right now, man."},{"speaker":"Ray Zhang","startTime":1037.802,"endTime":1038.402,"body":"Blowing."},{"speaker":"Average Joe Finances","startTime":1038.402,"endTime":1038.702,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":1038.753,"endTime":1042.039,"body":"I tell my wife, it just"},{"speaker":"Ray Zhang","startTime":1038.753,"endTime":1042.039,"body":"sometime it's scary to look at whatever"},{"speaker":"Ray Zhang","startTime":1042.129,"endTime":1043.772,"body":"other people post couldn't be careful."},{"speaker":"Ray Zhang","startTime":1043.772,"endTime":1044.702,"body":"Don't drag in."},{"speaker":"Average Joe Finances","startTime":1045.062,"endTime":1045.512,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1045.512,"endTime":1046.262,"body":"Yes, for sure."},{"speaker":"Ray Zhang","startTime":1046.492,"endTime":1047.142,"body":"Yeah, So."},{"speaker":"Average Joe Finances","startTime":1048.202,"endTime":1048.482,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1048.482,"endTime":1049.137,"body":"Right on, man."},{"speaker":"Average Joe Finances","startTime":1049.155,"endTime":1053.445,"body":"Listen, I want to ask you four"},{"speaker":"Average Joe Finances","startTime":1049.155,"endTime":1053.445,"body":"questions that I ask everybody"},{"speaker":"Average Joe Finances","startTime":1053.445,"endTime":1054.405,"body":"that comes on this show."},{"speaker":"Average Joe Finances","startTime":1054.405,"endTime":1056.145,"body":"I call this the final round."},{"speaker":"Average Joe Finances","startTime":1056.157,"endTime":1059.173,"body":"And we can get as deep into"},{"speaker":"Average Joe Finances","startTime":1056.157,"endTime":1059.173,"body":"this as you want to get into."},{"speaker":"Average Joe Finances","startTime":1059.229,"endTime":1062.884,"body":"But this is it's like to see, how Ray"},{"speaker":"Average Joe Finances","startTime":1059.229,"endTime":1062.884,"body":"reacts when he is under pressure or"},{"speaker":"Average Joe Finances","startTime":1062.953,"endTime":1066.393,"body":"putting a tough spot, but I'm pretty"},{"speaker":"Average Joe Finances","startTime":1062.953,"endTime":1066.393,"body":"sure I know how you do that already"},{"speaker":"Average Joe Finances","startTime":1066.393,"endTime":1068.084,"body":"because you're crushing it right now."},{"speaker":"Average Joe Finances","startTime":1068.166,"endTime":1070.506,"body":"So if you're ready to go,"},{"speaker":"Average Joe Finances","startTime":1068.166,"endTime":1070.506,"body":"we'll get that party started."},{"speaker":"Ray Zhang","startTime":1071.106,"endTime":1071.306,"body":"All right."},{"speaker":"Ray Zhang","startTime":1071.306,"endTime":1071.736,"body":"Let's go."},{"speaker":"Average Joe Finances","startTime":1071.736,"endTime":1072.921,"body":"All right, let's do it."},{"speaker":"Average Joe Finances","startTime":1072.921,"endTime":1077.2,"body":"Hey, first question is, what's"},{"speaker":"Average Joe Finances","startTime":1072.921,"endTime":1077.2,"body":"the biggest mistake you've"},{"speaker":"Average Joe Finances","startTime":1077.2,"endTime":1079.1,"body":"ever made in your investing?"},{"speaker":"Ray Zhang","startTime":1079.1,"endTime":1082.127,"body":"The biggest mistake is"},{"speaker":"Ray Zhang","startTime":1079.1,"endTime":1082.127,"body":"you invest something you don't know."},{"speaker":"Ray Zhang","startTime":1082.397,"endTime":1086.43,"body":"So as far as investing, that's"},{"speaker":"Ray Zhang","startTime":1082.397,"endTime":1086.43,"body":"different from doing business."},{"speaker":"Ray Zhang","startTime":1086.465,"endTime":1089.356,"body":"Doing business is you"},{"speaker":"Ray Zhang","startTime":1086.465,"endTime":1089.356,"body":"get the money in, right?"},{"speaker":"Ray Zhang","startTime":1089.356,"endTime":1093.471,"body":"So investing is, you get the money"},{"speaker":"Ray Zhang","startTime":1089.356,"endTime":1093.471,"body":"out and try to put a safe place."},{"speaker":"Ray Zhang","startTime":1093.541,"endTime":1098.011,"body":"If you don't know anything about that"},{"speaker":"Ray Zhang","startTime":1093.541,"endTime":1098.011,"body":"subject, do not ever invest in there."},{"speaker":"Ray Zhang","startTime":1098.041,"endTime":1103.083,"body":"I remember when I was about one"},{"speaker":"Ray Zhang","startTime":1098.041,"endTime":1103.083,"body":"year after the college, I went back"},{"speaker":"Ray Zhang","startTime":1103.083,"endTime":1105.183,"body":"to China because I flipped cars."},{"speaker":"Ray Zhang","startTime":1105.183,"endTime":1107.703,"body":"I got like $30,000 on my pocket."},{"speaker":"Ray Zhang","startTime":1107.726,"endTime":1109.266,"body":"So I brought that into China."},{"speaker":"Ray Zhang","startTime":1109.266,"endTime":1113.343,"body":"In China if you have"},{"speaker":"Ray Zhang","startTime":1109.266,"endTime":1113.343,"body":"$30,000 as a young age."},{"speaker":"Ray Zhang","startTime":1113.343,"endTime":1115.473,"body":"So that's a very good place to be, right?"},{"speaker":"Ray Zhang","startTime":1115.505,"endTime":1119.786,"body":"And then I came to this this guy,"},{"speaker":"Ray Zhang","startTime":1115.505,"endTime":1119.786,"body":"he is, looks super like supermodel"},{"speaker":"Ray Zhang","startTime":1119.876,"endTime":1122.714,"body":"type and I became friends with him."},{"speaker":"Ray Zhang","startTime":1123.034,"endTime":1127.543,"body":"I went to his company and he showed"},{"speaker":"Ray Zhang","startTime":1123.034,"endTime":1127.543,"body":"me, all these different models and"},{"speaker":"Ray Zhang","startTime":1127.596,"endTime":1129.786,"body":"singers or whatever on the pictures."},{"speaker":"Ray Zhang","startTime":1130.026,"endTime":1132.023,"body":"So I got super excited."},{"speaker":"Ray Zhang","startTime":1132.023,"endTime":1134.493,"body":"I was like, how do you, how"},{"speaker":"Ray Zhang","startTime":1132.023,"endTime":1134.493,"body":"do I invest in your company?"},{"speaker":"Ray Zhang","startTime":1134.523,"endTime":1135.873,"body":"Let's make something happen, right?"},{"speaker":"Ray Zhang","startTime":1135.873,"endTime":1140.653,"body":"So I invest all that"},{"speaker":"Ray Zhang","startTime":1135.873,"endTime":1140.653,"body":"$30,000 into his company."},{"speaker":"Ray Zhang","startTime":1140.743,"endTime":1145.653,"body":"And then he gave me like a position"},{"speaker":"Ray Zhang","startTime":1140.743,"endTime":1145.653,"body":"to be in his company every single"},{"speaker":"Ray Zhang","startTime":1145.653,"endTime":1147.063,"body":"day to look at the operation."},{"speaker":"Ray Zhang","startTime":1147.453,"endTime":1152.246,"body":"But eventually I lost at 30 the company"},{"speaker":"Ray Zhang","startTime":1147.453,"endTime":1152.246,"body":"got bankrupt because they, what they do"},{"speaker":"Ray Zhang","startTime":1152.251,"endTime":1158.774,"body":"is They try to recruit people in, but they"},{"speaker":"Ray Zhang","startTime":1152.251,"endTime":1158.774,"body":"never produce any TV show any show at all."},{"speaker":"Ray Zhang","startTime":1158.774,"endTime":1163.717,"body":"So just look nice, look shiny, but"},{"speaker":"Ray Zhang","startTime":1158.774,"endTime":1163.717,"body":"inside is like a empty shell company,"},{"speaker":"Ray Zhang","startTime":1164.287,"endTime":1166.627,"body":"so you have to know what you guys in."},{"speaker":"Ray Zhang","startTime":1166.897,"endTime":1166.957,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":1167.137,"endTime":1167.797,"body":"Very Be careful."},{"speaker":"Average Joe Finances","startTime":1167.897,"endTime":1168.012,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1168.042,"endTime":1168.522,"body":"Oh, okay."},{"speaker":"Average Joe Finances","startTime":1168.522,"endTime":1170.784,"body":"So that, that is that's definitely"},{"speaker":"Average Joe Finances","startTime":1168.522,"endTime":1170.784,"body":"a big mistake that you that"},{"speaker":"Average Joe Finances","startTime":1170.784,"endTime":1172.151,"body":"you've definitely learned from."},{"speaker":"Average Joe Finances","startTime":1172.17,"endTime":1175.29,"body":"Speaking of things that you've learned"},{"speaker":"Average Joe Finances","startTime":1172.17,"endTime":1175.29,"body":"from that, that kind of carries"},{"speaker":"Average Joe Finances","startTime":1175.29,"endTime":1179.34,"body":"into this next question is, what is"},{"speaker":"Average Joe Finances","startTime":1175.29,"endTime":1179.34,"body":"something that you've learned that you"},{"speaker":"Average Joe Finances","startTime":1179.34,"endTime":1181.39,"body":"wish you knew when you first started?"},{"speaker":"Ray Zhang","startTime":1181.39,"endTime":1184.27,"body":"There's a difference between"},{"speaker":"Ray Zhang","startTime":1181.39,"endTime":1184.27,"body":"what do you know and what you do, right?"},{"speaker":"Ray Zhang","startTime":1184.288,"endTime":1185.818,"body":"I know it by then, but I didn't do it."},{"speaker":"Ray Zhang","startTime":1185.818,"endTime":1187.378,"body":"So it cost me a lot of time and."},{"speaker":"Ray Zhang","startTime":1187.948,"endTime":1190.746,"body":"So what I made a mistake"},{"speaker":"Ray Zhang","startTime":1187.948,"endTime":1190.746,"body":"was I didn't focus."},{"speaker":"Ray Zhang","startTime":1190.825,"endTime":1197.575,"body":"Focus is one thing every entrepreneur have"},{"speaker":"Ray Zhang","startTime":1190.825,"endTime":1197.575,"body":"to learn because by nature, entrepreneur"},{"speaker":"Ray Zhang","startTime":1197.58,"endTime":1200.815,"body":"have different, new creative ideas."},{"speaker":"Ray Zhang","startTime":1201.025,"endTime":1203.353,"body":"So that this is just an"},{"speaker":"Ray Zhang","startTime":1201.025,"endTime":1203.353,"body":"entrepreneurs, right?"},{"speaker":"Ray Zhang","startTime":1203.353,"endTime":1207.768,"body":"So you cannot find a very numb and"},{"speaker":"Ray Zhang","startTime":1203.353,"endTime":1207.768,"body":"I just want to work for someone"},{"speaker":"Ray Zhang","startTime":1207.768,"endTime":1209.088,"body":"else to be an entrepreneur."},{"speaker":"Ray Zhang","startTime":1209.088,"endTime":1209.838,"body":"That's impossible."},{"speaker":"Ray Zhang","startTime":1210.198,"endTime":1213.904,"body":"So all the people who are very"},{"speaker":"Ray Zhang","startTime":1210.198,"endTime":1213.904,"body":"creative, they can be entrepreneur."},{"speaker":"Ray Zhang","startTime":1213.904,"endTime":1214.691,"body":"But what's the problem?"},{"speaker":"Ray Zhang","startTime":1214.781,"endTime":1215.831,"body":"They always jump around."},{"speaker":"Ray Zhang","startTime":1215.891,"endTime":1217.277,"body":"So there's always a new idea."},{"speaker":"Ray Zhang","startTime":1217.334,"endTime":1219.434,"body":"There's a always a new shiny object."},{"speaker":"Ray Zhang","startTime":1219.524,"endTime":1222.91,"body":"So there, there's the object"},{"speaker":"Ray Zhang","startTime":1219.524,"endTime":1222.91,"body":"is always shinier and you can"},{"speaker":"Ray Zhang","startTime":1222.91,"endTime":1224.26,"body":"earn more money in shorter time."},{"speaker":"Ray Zhang","startTime":1224.32,"endTime":1225.73,"body":"So that's a formula, right?"},{"speaker":"Ray Zhang","startTime":1225.73,"endTime":1227.44,"body":"So be careful of that."},{"speaker":"Ray Zhang","startTime":1227.44,"endTime":1231.38,"body":"Don't fall into that and otherwise you'll"},{"speaker":"Ray Zhang","startTime":1227.44,"endTime":1231.38,"body":"waste a lot of years of effort, money."},{"speaker":"Average Joe Finances","startTime":1232.36,"endTime":1232.72,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":1232.72,"endTime":1234.586,"body":"Get over that shiny object syndrome."},{"speaker":"Ray Zhang","startTime":1234.606,"endTime":1234.966,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1234.966,"endTime":1235.236,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1235.296,"endTime":1235.716,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1235.716,"endTime":1239.004,"body":"All right okay Ray, do you have"},{"speaker":"Average Joe Finances","startTime":1235.716,"endTime":1239.004,"body":"any tips or tricks that you"},{"speaker":"Average Joe Finances","startTime":1239.004,"endTime":1242.184,"body":"would recommend to someone that"},{"speaker":"Average Joe Finances","startTime":1239.004,"endTime":1242.184,"body":"is just getting started today?"},{"speaker":"Ray Zhang","startTime":1242.904,"endTime":1243.894,"body":"For landing medicine?"},{"speaker":"Ray Zhang","startTime":1244.104,"endTime":1244.164,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":1245.849,"endTime":1248.033,"body":"I would say just find a"},{"speaker":"Ray Zhang","startTime":1245.849,"endTime":1248.033,"body":"mentor and follow them."},{"speaker":"Ray Zhang","startTime":1248.243,"endTime":1250.483,"body":"So do whatever they tell you to do."},{"speaker":"Ray Zhang","startTime":1250.541,"endTime":1251.608,"body":"Either me or someone else."},{"speaker":"Ray Zhang","startTime":1251.608,"endTime":1255.424,"body":"So you have to make sure first"},{"speaker":"Ray Zhang","startTime":1251.608,"endTime":1255.424,"body":"that mentor has results, right?"},{"speaker":"Ray Zhang","startTime":1255.724,"endTime":1257.418,"body":"And not something just lied to you."},{"speaker":"Ray Zhang","startTime":1257.428,"endTime":1260.523,"body":"And secondly, You have to find"},{"speaker":"Ray Zhang","startTime":1257.428,"endTime":1260.523,"body":"what they do and you have to"},{"speaker":"Ray Zhang","startTime":1260.523,"endTime":1262.269,"body":"pay him to get his time right."},{"speaker":"Ray Zhang","startTime":1262.269,"endTime":1265.001,"body":"I tell people, free stuff is"},{"speaker":"Ray Zhang","startTime":1262.269,"endTime":1265.001,"body":"always the most expensive."},{"speaker":"Ray Zhang","startTime":1265.121,"endTime":1268.962,"body":"All the people want to do just go to"},{"speaker":"Ray Zhang","startTime":1265.121,"endTime":1268.962,"body":"YouTube and search and they do something."},{"speaker":"Ray Zhang","startTime":1269.082,"endTime":1270.342,"body":"That's not gonna work."},{"speaker":"Ray Zhang","startTime":1270.582,"endTime":1271.482,"body":"That's not gonna work."},{"speaker":"Ray Zhang","startTime":1271.872,"endTime":1276.082,"body":"So just find someone who have"},{"speaker":"Ray Zhang","startTime":1271.872,"endTime":1276.082,"body":"results and follow that, that's it."},{"speaker":"Average Joe Finances","startTime":1276.132,"endTime":1276.272,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1276.292,"endTime":1278.849,"body":"I mean there's plenty of information"},{"speaker":"Average Joe Finances","startTime":1276.292,"endTime":1278.849,"body":"out there for free, but it's how"},{"speaker":"Average Joe Finances","startTime":1278.849,"endTime":1281.634,"body":"you apply it that you need to learn"},{"speaker":"Average Joe Finances","startTime":1278.849,"endTime":1281.634,"body":"and you're gonna learn that from"},{"speaker":"Average Joe Finances","startTime":1281.984,"endTime":1283.014,"body":"somebody that has the experience."},{"speaker":"Average Joe Finances","startTime":1283.044,"endTime":1283.742,"body":"That's important."},{"speaker":"Average Joe Finances","startTime":1283.751,"endTime":1287.021,"body":"I've always been a believer"},{"speaker":"Average Joe Finances","startTime":1283.751,"endTime":1287.021,"body":"in coaches and mentors."},{"speaker":"Average Joe Finances","startTime":1287.05,"endTime":1290.47,"body":"I really believe that they will"},{"speaker":"Average Joe Finances","startTime":1287.05,"endTime":1290.47,"body":"help you take your stuff to the next"},{"speaker":"Average Joe Finances","startTime":1290.47,"endTime":1292.03,"body":"level, cause you're gonna pay for it."},{"speaker":"Average Joe Finances","startTime":1292.03,"endTime":1292.45,"body":"Either way."},{"speaker":"Average Joe Finances","startTime":1292.45,"endTime":1295.36,"body":"You're either going to pay for"},{"speaker":"Average Joe Finances","startTime":1292.45,"endTime":1295.36,"body":"it by paying a coach or a mentor."},{"speaker":"Average Joe Finances","startTime":1296.075,"endTime":1299.05,"body":"or you're gonna pay for it by making"},{"speaker":"Average Joe Finances","startTime":1296.075,"endTime":1299.05,"body":"those mistakes that you could have"},{"speaker":"Average Joe Finances","startTime":1299.05,"endTime":1303.04,"body":"avoided if you had a good coach"},{"speaker":"Average Joe Finances","startTime":1299.05,"endTime":1303.04,"body":"or mentor help you along the way."},{"speaker":"Ray Zhang","startTime":1303.04,"endTime":1303.31,"body":"Absolutely."},{"speaker":"Ray Zhang","startTime":1303.37,"endTime":1305.47,"body":"Yeah, you'll end up"},{"speaker":"Ray Zhang","startTime":1303.37,"endTime":1305.47,"body":"paying more by that way."},{"speaker":"Ray Zhang","startTime":1305.59,"endTime":1306.07,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1306.73,"endTime":1307.15,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1307.205,"endTime":1308.91,"body":"You'll get your master's degree for sure."},{"speaker":"Average Joe Finances","startTime":1309.33,"endTime":1312.21,"body":"At the same cost , so all, okay."},{"speaker":"Average Joe Finances","startTime":1312.215,"endTime":1312.57,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":1312.63,"endTime":1313.08,"body":"Oh, okay."},{"speaker":"Average Joe Finances","startTime":1313.129,"endTime":1314.389,"body":"Final question of the final round."},{"speaker":"Average Joe Finances","startTime":1314.389,"endTime":1317.23,"body":"This is a opinion-based question"},{"speaker":"Average Joe Finances","startTime":1314.389,"endTime":1317.23,"body":"but do you have a favorite"},{"speaker":"Average Joe Finances","startTime":1317.69,"endTime":1322.13,"body":"business investing or real estate"},{"speaker":"Average Joe Finances","startTime":1317.69,"endTime":1322.13,"body":"related book or podcast, or, both?"},{"speaker":"Ray Zhang","startTime":1322.97,"endTime":1323.515,"body":"Yeah, I do."},{"speaker":"Ray Zhang","startTime":1323.597,"endTime":1324.137,"body":"I have a lot."},{"speaker":"Ray Zhang","startTime":1324.197,"endTime":1325.427,"body":"So do you mind if I share."},{"speaker":"Average Joe Finances","startTime":1325.491,"endTime":1326.721,"body":"You"},{"speaker":"Average Joe Finances","startTime":1325.491,"endTime":1326.721,"body":"could share a couple those."},{"speaker":"Average Joe Finances","startTime":1326.931,"endTime":1328.911,"body":"We won't go, let's not get out of hand."},{"speaker":"Ray Zhang","startTime":1329.451,"endTime":1329.931,"body":"All right."},{"speaker":"Ray Zhang","startTime":1329.931,"endTime":1330.831,"body":"Give me 20 minutes."},{"speaker":"Ray Zhang","startTime":1331.131,"endTime":1331.611,"body":"Just kidding."},{"speaker":"Ray Zhang","startTime":1331.701,"endTime":1332.188,"body":"But yeah."},{"speaker":"Average Joe Finances","startTime":1332.188,"endTime":1333.628,"body":"So the"},{"speaker":"Average Joe Finances","startTime":1332.188,"endTime":1333.628,"body":"second half of the episode."},{"speaker":"Ray Zhang","startTime":1334.108,"endTime":1334.588,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":1335.008,"endTime":1337.165,"body":"So I love couple books especially."},{"speaker":"Ray Zhang","startTime":1337.165,"endTime":1339.265,"body":"My specialty is negotiation."},{"speaker":"Ray Zhang","startTime":1339.295,"endTime":1342.155,"body":"I can go to any markets, you can learn it."},{"speaker":"Ray Zhang","startTime":1342.155,"endTime":1342.979,"body":"You taught me Ray."},{"speaker":"Ray Zhang","startTime":1343.444,"endTime":1348.077,"body":"Get rid of all your belongings and"},{"speaker":"Ray Zhang","startTime":1343.444,"endTime":1348.077,"body":"throw me in any city in the United"},{"speaker":"Ray Zhang","startTime":1348.077,"endTime":1349.727,"body":"States, I can survive and thrive."},{"speaker":"Ray Zhang","startTime":1349.787,"endTime":1352.337,"body":"I can guarantee you that"},{"speaker":"Ray Zhang","startTime":1349.787,"endTime":1352.337,"body":"because of negotiation skill."},{"speaker":"Ray Zhang","startTime":1352.787,"endTime":1356.127,"body":"So how do I become a"},{"speaker":"Ray Zhang","startTime":1352.787,"endTime":1356.127,"body":"master of a negotiator?"},{"speaker":"Ray Zhang","startTime":1356.156,"endTime":1357.326,"body":"It is a couple books."},{"speaker":"Ray Zhang","startTime":1357.402,"endTime":1362.187,"body":"The first one is, Never Split"},{"speaker":"Ray Zhang","startTime":1357.402,"endTime":1362.187,"body":"the difference by Chris Voss."},{"speaker":"Ray Zhang","startTime":1362.577,"endTime":1364.903,"body":"So that guy is a hostage negotiator."},{"speaker":"Ray Zhang","startTime":1364.933,"endTime":1367.686,"body":"So you can what do I mean by"},{"speaker":"Ray Zhang","startTime":1364.933,"endTime":1367.686,"body":"never split the difference?"},{"speaker":"Ray Zhang","startTime":1367.716,"endTime":1371.372,"body":"You, when you negotiate with a"},{"speaker":"Ray Zhang","startTime":1367.716,"endTime":1371.372,"body":"criminal for the for the hostage,"},{"speaker":"Ray Zhang","startTime":1371.402,"endTime":1375.362,"body":"you cannot tell the criminal, Hey,"},{"speaker":"Ray Zhang","startTime":1371.402,"endTime":1375.362,"body":"let's just split half you, keep half."},{"speaker":"Ray Zhang","startTime":1375.496,"endTime":1376.426,"body":"I'll keep you the other half."},{"speaker":"Ray Zhang","startTime":1376.906,"endTime":1378.076,"body":"So that's not gonna work."},{"speaker":"Ray Zhang","startTime":1378.076,"endTime":1382.385,"body":"So the second book is called"},{"speaker":"Ray Zhang","startTime":1378.076,"endTime":1382.385,"body":"Flip the script, yellow small"},{"speaker":"Ray Zhang","startTime":1382.408,"endTime":1384.148,"body":"book, not the Pretty girl one."},{"speaker":"Ray Zhang","startTime":1384.208,"endTime":1388.378,"body":"There's another girl wrote a book called"},{"speaker":"Ray Zhang","startTime":1384.208,"endTime":1388.378,"body":"Flip the Script with her picture on it."},{"speaker":"Ray Zhang","startTime":1388.408,"endTime":1389.518,"body":"That's not the book, right?"},{"speaker":"Ray Zhang","startTime":1389.518,"endTime":1391.475,"body":"So the yellow book is"},{"speaker":"Ray Zhang","startTime":1389.518,"endTime":1391.475,"body":"the one I talk about."},{"speaker":"Ray Zhang","startTime":1391.475,"endTime":1393.665,"body":"And there's a third book"},{"speaker":"Ray Zhang","startTime":1391.475,"endTime":1393.665,"body":"is called Go For No."},{"speaker":"Ray Zhang","startTime":1394.92,"endTime":1399.171,"body":"So very thin book, but it absolutely"},{"speaker":"Ray Zhang","startTime":1394.92,"endTime":1399.171,"body":"can change the way you talk, change"},{"speaker":"Ray Zhang","startTime":1399.171,"endTime":1400.821,"body":"the way you communicate with people."},{"speaker":"Ray Zhang","startTime":1400.905,"endTime":1405.255,"body":"For example, if you go to a shop and"},{"speaker":"Ray Zhang","startTime":1400.905,"endTime":1405.255,"body":"that cashier just follow your run."},{"speaker":"Ray Zhang","startTime":1405.28,"endTime":1407.35,"body":"We always have that experience, right?"},{"speaker":"Ray Zhang","startTime":1407.41,"endTime":1411.47,"body":"And they ask you, Hey, do you wanna buy"},{"speaker":"Ray Zhang","startTime":1407.41,"endTime":1411.47,"body":"anything or do you have any questions?"},{"speaker":"Ray Zhang","startTime":1411.64,"endTime":1414.266,"body":"So deep down we feel, right?"},{"speaker":"Ray Zhang","startTime":1414.28,"endTime":1415.0,"body":"Just keep there."},{"speaker":"Ray Zhang","startTime":1415.0,"endTime":1417.052,"body":"Don't leave and I'll do my thing, right?"},{"speaker":"Ray Zhang","startTime":1417.058,"endTime":1418.168,"body":"But go for note."},{"speaker":"Ray Zhang","startTime":1418.198,"endTime":1421.738,"body":"Tell you how to, how do"},{"speaker":"Ray Zhang","startTime":1418.198,"endTime":1421.738,"body":"you approach to sellers?"},{"speaker":"Ray Zhang","startTime":1422.128,"endTime":1423.938,"body":"How do you approach to buyers?"},{"speaker":"Ray Zhang","startTime":1423.938,"endTime":1427.474,"body":"You say something like hey"},{"speaker":"Ray Zhang","startTime":1423.938,"endTime":1427.474,"body":"Mike, I'm assuming you are not"},{"speaker":"Ray Zhang","startTime":1427.474,"endTime":1428.884,"body":"interested in this course, right?"},{"speaker":"Ray Zhang","startTime":1429.439,"endTime":1431.329,"body":"So just do something like that."},{"speaker":"Ray Zhang","startTime":1431.539,"endTime":1436.964,"body":"And you said the opposite of what you"},{"speaker":"Ray Zhang","startTime":1431.539,"endTime":1436.964,"body":"wanted to say, and then they will do"},{"speaker":"Ray Zhang","startTime":1436.964,"endTime":1438.894,"body":"the thing that you wanted them to do."},{"speaker":"Average Joe Finances","startTime":1440.544,"endTime":1440.724,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1440.743,"endTime":1443.537,"body":"So basically it's like saying,"},{"speaker":"Average Joe Finances","startTime":1440.743,"endTime":1443.537,"body":"we wanna force the no out of you."},{"speaker":"Average Joe Finances","startTime":1443.537,"endTime":1446.411,"body":"Either you're gonna say no or you're"},{"speaker":"Average Joe Finances","startTime":1443.537,"endTime":1446.411,"body":"gonna, you're gonna move forward."},{"speaker":"Ray Zhang","startTime":1446.483,"endTime":1447.083,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1447.143,"endTime":1447.863,"body":"I like that."},{"speaker":"Average Joe Finances","startTime":1447.913,"endTime":1450.853,"body":"Yeah, I don't think I've had that"},{"speaker":"Average Joe Finances","startTime":1447.913,"endTime":1450.853,"body":"book suggested on this podcast yet,"},{"speaker":"Average Joe Finances","startTime":1450.858,"endTime":1452.093,"body":"so I'm gonna have to add that to my."},{"speaker":"Average Joe Finances","startTime":1452.578,"endTime":1453.808,"body":"The other two definitely."},{"speaker":"Average Joe Finances","startTime":1453.888,"endTime":1455.374,"body":"But yeah, I've not heard of that one yet."},{"speaker":"Average Joe Finances","startTime":1455.374,"endTime":1456.166,"body":"Who's the author?"},{"speaker":"Average Joe Finances","startTime":1456.796,"endTime":1457.055,"body":"Do you know?"},{"speaker":"Ray Zhang","startTime":1457.055,"endTime":1457.735,"body":"Go for no?"},{"speaker":"Average Joe Finances","startTime":1457.961,"endTime":1458.261,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":1458.267,"endTime":1459.121,"body":"Let me search real quick."},{"speaker":"Ray Zhang","startTime":1459.571,"endTime":1459.887,"body":"Oh."},{"speaker":"Average Joe Finances","startTime":1459.887,"endTime":1460.603,"body":"Should be able to find it."},{"speaker":"Average Joe Finances","startTime":1460.753,"endTime":1461.233,"body":"It's not a big deal."},{"speaker":"Ray Zhang","startTime":1461.983,"endTime":1462.163,"body":"Yeah."},{"speaker":"Ray Zhang","startTime":1462.163,"endTime":1465.97,"body":"It's it's written by this"},{"speaker":"Ray Zhang","startTime":1462.163,"endTime":1465.97,"body":"guy called Richard Fenton."},{"speaker":"Average Joe Finances","startTime":1467.055,"endTime":1467.195,"body":"Okay."},{"speaker":"Ray Zhang","startTime":1467.255,"endTime":1467.955,"body":"F E N T O N."},{"speaker":"Average Joe Finances","startTime":1467.955,"endTime":1468.305,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1468.74,"endTime":1469.16,"body":"Got."},{"speaker":"Average Joe Finances","startTime":1470.4,"endTime":1470.91,"body":"All right."},{"speaker":"Average Joe Finances","startTime":1470.91,"endTime":1471.751,"body":"And okay."},{"speaker":"Average Joe Finances","startTime":1471.751,"endTime":1473.421,"body":"What any podcasts that you like,"},{"speaker":"Ray Zhang","startTime":1474.101,"endTime":1474.581,"body":"Yeah, of course."},{"speaker":"Ray Zhang","startTime":1474.581,"endTime":1475.451,"body":"Yours first."},{"speaker":"Average Joe Finances","startTime":1476.051,"endTime":1476.741,"body":"Hey, there we go."},{"speaker":"Ray Zhang","startTime":1477.361,"endTime":1478.901,"body":"Yeah, I know."},{"speaker":"Ray Zhang","startTime":1478.947,"endTime":1482.47,"body":"There is a lot of and for real"},{"speaker":"Ray Zhang","startTime":1478.947,"endTime":1482.47,"body":"estate, there are so many of them."},{"speaker":"Ray Zhang","startTime":1482.47,"endTime":1484.15,"body":"The real estate direct disruptors."},{"speaker":"Ray Zhang","startTime":1484.155,"endTime":1486.85,"body":"I'm gonna be on the podcast in that march."},{"speaker":"Average Joe Finances","startTime":1487.12,"endTime":1487.21,"body":"Nice."},{"speaker":"Ray Zhang","startTime":1487.303,"endTime":1490.15,"body":"There is, Rich dad"},{"speaker":"Ray Zhang","startTime":1487.303,"endTime":1490.15,"body":"poor dad, there's Wholesale Inc."},{"speaker":"Ray Zhang","startTime":1490.18,"endTime":1494.048,"body":"If you wanna listen to how to flip"},{"speaker":"Ray Zhang","startTime":1490.18,"endTime":1494.048,"body":"houses, there's a whole bunch of them."},{"speaker":"Ray Zhang","startTime":1494.168,"endTime":1494.618,"body":"Very good."},{"speaker":"Average Joe Finances","startTime":1495.828,"endTime":1496.013,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":1496.013,"endTime":1496.643,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":1496.673,"endTime":1498.762,"body":"Okay Ray, so that's it"},{"speaker":"Average Joe Finances","startTime":1496.673,"endTime":1498.762,"body":"for the final round."},{"speaker":"Average Joe Finances","startTime":1498.762,"endTime":1500.802,"body":"That's really all the"},{"speaker":"Average Joe Finances","startTime":1498.762,"endTime":1500.802,"body":"questions I have for you."},{"speaker":"Average Joe Finances","startTime":1500.802,"endTime":1503.232,"body":"However, I do have one more question."},{"speaker":"Average Joe Finances","startTime":1503.232,"endTime":1504.282,"body":"It's the most important one."},{"speaker":"Average Joe Finances","startTime":1504.329,"endTime":1505.598,"body":"You shared already a little bit."},{"speaker":"Average Joe Finances","startTime":1505.623,"endTime":1509.158,"body":"We got your Instagram and"},{"speaker":"Average Joe Finances","startTime":1505.623,"endTime":1509.158,"body":"stuff, but where can people"},{"speaker":"Average Joe Finances","startTime":1509.158,"endTime":1510.898,"body":"find more information about you?"},{"speaker":"Average Joe Finances","startTime":1510.956,"endTime":1512.209,"body":"Do you also have a website?"},{"speaker":"Average Joe Finances","startTime":1512.236,"endTime":1514.297,"body":"What other social medias"},{"speaker":"Average Joe Finances","startTime":1512.236,"endTime":1514.297,"body":"can you share with us well?"},{"speaker":"Ray Zhang","startTime":1515.207,"endTime":1518.385,"body":"I'm creating among"},{"speaker":"Ray Zhang","startTime":1515.207,"endTime":1518.385,"body":"us Instagram and TikTok."},{"speaker":"Ray Zhang","startTime":1518.413,"endTime":1521.481,"body":"The tech there is virtual"},{"speaker":"Ray Zhang","startTime":1518.413,"endTime":1521.481,"body":"flipland, the same, right?"},{"speaker":"Ray Zhang","startTime":1521.751,"endTime":1522.774,"body":"So virtual flipland."},{"speaker":"Ray Zhang","startTime":1522.888,"endTime":1524.833,"body":"You'll find me on Instagram and TikTok."},{"speaker":"Average Joe Finances","startTime":1525.703,"endTime":1529.915,"body":"All right hey, for"},{"speaker":"Average Joe Finances","startTime":1525.703,"endTime":1529.915,"body":"all my listeners, go follow his Instagram"},{"speaker":"Average Joe Finances","startTime":1529.915,"endTime":1531.671,"body":"and his TikTok he's the real deal."},{"speaker":"Average Joe Finances","startTime":1531.711,"endTime":1533.506,"body":"Just having this small conversation here."},{"speaker":"Average Joe Finances","startTime":1533.506,"endTime":1535.43,"body":"This has just been really, eye-opening."},{"speaker":"Average Joe Finances","startTime":1535.497,"endTime":1538.117,"body":"I think I might want to try flipping"},{"speaker":"Average Joe Finances","startTime":1535.497,"endTime":1538.117,"body":"some cars out here in Hawaii."},{"speaker":"Average Joe Finances","startTime":1538.707,"endTime":1540.867,"body":"Absolutely, I think that's"},{"speaker":"Average Joe Finances","startTime":1538.707,"endTime":1540.867,"body":"pretty awesome, man."},{"speaker":"Average Joe Finances","startTime":1540.888,"endTime":1544.068,"body":"Hey, but thank you so much"},{"speaker":"Average Joe Finances","startTime":1540.888,"endTime":1544.068,"body":"for joining me and our guest."},{"speaker":"Average Joe Finances","startTime":1544.068,"endTime":1546.394,"body":"Ray Zhang, and sorry I"},{"speaker":"Average Joe Finances","startTime":1544.068,"endTime":1546.394,"body":"mispronounce it earlier."},{"speaker":"Average Joe Finances","startTime":1546.604,"endTime":1550.775,"body":"I normally ask that before we hit record,"},{"speaker":"Average Joe Finances","startTime":1546.604,"endTime":1550.775,"body":"but be like, I have a brain fog right"},{"speaker":"Average Joe Finances","startTime":1550.78,"endTime":1554.156,"body":"now was, I was talking with him off the"},{"speaker":"Average Joe Finances","startTime":1550.78,"endTime":1554.156,"body":"air about this, but we have round two of"},{"speaker":"Average Joe Finances","startTime":1554.156,"endTime":1555.806,"body":"Covid going through the house right now."},{"speaker":"Average Joe Finances","startTime":1555.853,"endTime":1559.027,"body":"So we're not all feeling the greatest"},{"speaker":"Average Joe Finances","startTime":1555.853,"endTime":1559.027,"body":"but thank you so much for joining us"},{"speaker":"Average Joe Finances","startTime":1559.097,"endTime":1560.717,"body":"on the Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":1561.047,"endTime":1563.507,"body":"Go leave us a five star review"},{"speaker":"Average Joe Finances","startTime":1561.047,"endTime":1563.507,"body":"and tell us what you liked"},{"speaker":"Average Joe Finances","startTime":1563.507,"endTime":1566.172,"body":"about today's episode with Ray."},{"speaker":"Average Joe Finances","startTime":1566.472,"endTime":1569.472,"body":"Aloha from Hawaii and have"},{"speaker":"Average Joe Finances","startTime":1566.472,"endTime":1569.472,"body":"a great rest of your day."}]}