{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.325,"endTime":2.785,"body":"Hey, welcome back"},{"speaker":"Average Joe Finances","startTime":0.325,"endTime":2.785,"body":"to the Average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":2.785,"endTime":6.835,"body":"I'm your host, Mike Cavaggioni,"},{"speaker":"Average Joe Finances","startTime":2.785,"endTime":6.835,"body":"and today's guest is Barbara Sloan."},{"speaker":"Average Joe Finances","startTime":6.84,"endTime":9.865,"body":"So Barbara, thank you so"},{"speaker":"Average Joe Finances","startTime":6.84,"endTime":9.865,"body":"much for joining me today."},{"speaker":"Barbara Sloan","startTime":10.54,"endTime":12.13,"body":"Mike, thank"},{"speaker":"Barbara Sloan","startTime":10.54,"endTime":12.13,"body":"you so much for having me on."},{"speaker":"Barbara Sloan","startTime":12.28,"endTime":12.97,"body":"I'm excited to chat."},{"speaker":"Average Joe Finances","startTime":13.45,"endTime":14.14,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":14.14,"endTime":16.97,"body":"Hey this episode's gonna be a little bit"},{"speaker":"Average Joe Finances","startTime":14.14,"endTime":16.97,"body":"different for what we're talking about."},{"speaker":"Average Joe Finances","startTime":16.97,"endTime":19.97,"body":"It's not gonna be specifically like"},{"speaker":"Average Joe Finances","startTime":16.97,"endTime":19.97,"body":"down the real estate rabbit hole."},{"speaker":"Average Joe Finances","startTime":19.97,"endTime":23.67,"body":"We're gonna talk about different ways"},{"speaker":"Average Joe Finances","startTime":19.97,"endTime":23.67,"body":"people are making money in the service"},{"speaker":"Average Joe Finances","startTime":23.67,"endTime":29.55,"body":"industry particularly people that, that"},{"speaker":"Average Joe Finances","startTime":23.67,"endTime":29.55,"body":"survive off of getting tipped, right?"},{"speaker":"Average Joe Finances","startTime":29.55,"endTime":30.18,"body":"Getting tipping."},{"speaker":"Average Joe Finances","startTime":30.46,"endTime":32.295,"body":"And you wrote a book about that."},{"speaker":"Average Joe Finances","startTime":32.295,"endTime":34.545,"body":"So I'm pretty excited, but we're gonna"},{"speaker":"Average Joe Finances","startTime":32.295,"endTime":34.545,"body":"talk about that a little bit too."},{"speaker":"Average Joe Finances","startTime":34.915,"endTime":39.265,"body":"But I wanna start this off so the audience"},{"speaker":"Average Joe Finances","startTime":34.915,"endTime":39.265,"body":"can get to know you a little bit better."},{"speaker":"Average Joe Finances","startTime":39.385,"endTime":41.215,"body":"This is the way we start"},{"speaker":"Average Joe Finances","startTime":39.385,"endTime":41.215,"body":"every episode, right?"},{"speaker":"Average Joe Finances","startTime":41.725,"endTime":42.775,"body":"So we wanna get to know you."},{"speaker":"Average Joe Finances","startTime":42.805,"endTime":46.135,"body":"So Barbara, if you could tell us a"},{"speaker":"Average Joe Finances","startTime":42.805,"endTime":46.135,"body":"little bit about yourself, go into"},{"speaker":"Average Joe Finances","startTime":46.135,"endTime":48.145,"body":"your background, share your story."},{"speaker":"Average Joe Finances","startTime":48.145,"endTime":49.855,"body":"Who is Barbara Sloan?"},{"speaker":"Barbara Sloan","startTime":50.735,"endTime":54.455,"body":"Yeah, so most"},{"speaker":"Barbara Sloan","startTime":50.735,"endTime":54.455,"body":"people who meet me today know me"},{"speaker":"Barbara Sloan","startTime":54.46,"endTime":58.685,"body":"as somebody who owns a women owned"},{"speaker":"Barbara Sloan","startTime":54.46,"endTime":58.685,"body":"and operated high-end construction"},{"speaker":"Barbara Sloan","startTime":58.685,"endTime":60.005,"body":"company in the heart of Manhattan."},{"speaker":"Barbara Sloan","startTime":60.545,"endTime":65.495,"body":"What they don't know is that I spent"},{"speaker":"Barbara Sloan","startTime":60.545,"endTime":65.495,"body":"two decades working sometimes in tandem,"},{"speaker":"Barbara Sloan","startTime":65.495,"endTime":71.48,"body":"but sometimes instead of in the service"},{"speaker":"Barbara Sloan","startTime":65.495,"endTime":71.48,"body":"industry, I like to say I worked a little"},{"speaker":"Barbara Sloan","startTime":71.54,"endTime":73.58,"body":"dirt in the day and dirty in the evening."},{"speaker":"Barbara Sloan","startTime":74.09,"endTime":78.53,"body":"So 20 years both in construction"},{"speaker":"Barbara Sloan","startTime":74.09,"endTime":78.53,"body":"and in the service industry."},{"speaker":"Barbara Sloan","startTime":78.59,"endTime":82.73,"body":"And when I say the service industry,"},{"speaker":"Barbara Sloan","startTime":78.59,"endTime":82.73,"body":"for the most part, my experience"},{"speaker":"Barbara Sloan","startTime":83.03,"endTime":85.16,"body":"was in bars, restaurants, and clubs."},{"speaker":"Barbara Sloan","startTime":85.26,"endTime":90.32,"body":"So I was a bartender, a go-go dancer,"},{"speaker":"Barbara Sloan","startTime":85.26,"endTime":90.32,"body":"a stripper, a fetish performer,"},{"speaker":"Barbara Sloan","startTime":90.32,"endTime":93.44,"body":"a sideshow, showgirl, a circus"},{"speaker":"Barbara Sloan","startTime":90.32,"endTime":93.44,"body":"performer, a flair bartender."},{"speaker":"Barbara Sloan","startTime":93.575,"endTime":96.365,"body":"A pole dancer, a cater"},{"speaker":"Barbara Sloan","startTime":93.575,"endTime":96.365,"body":"waiter, you name it."},{"speaker":"Barbara Sloan","startTime":96.365,"endTime":100.025,"body":"If it involved tips, I did it and"},{"speaker":"Barbara Sloan","startTime":96.365,"endTime":100.025,"body":"I did it all over the country."},{"speaker":"Average Joe Finances","startTime":101.255,"endTime":101.585,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":101.765,"endTime":102.095,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":102.125,"endTime":102.665,"body":"That's awesome."},{"speaker":"Average Joe Finances","startTime":102.665,"endTime":105.245,"body":"Quite a bit experience there in"},{"speaker":"Average Joe Finances","startTime":102.665,"endTime":105.245,"body":"the surface industry as well."},{"speaker":"Average Joe Finances","startTime":105.245,"endTime":107.68,"body":"So every different facet of it."},{"speaker":"Average Joe Finances","startTime":107.76,"endTime":111.59,"body":"I like how you describe the, getting"},{"speaker":"Average Joe Finances","startTime":107.76,"endTime":111.59,"body":"getting in the dirt in the morning"},{"speaker":"Average Joe Finances","startTime":111.59,"endTime":113.37,"body":"and getting dirty in the evening."},{"speaker":"Average Joe Finances","startTime":113.37,"endTime":114.06,"body":"That's pretty funny."},{"speaker":"Average Joe Finances","startTime":114.43,"endTime":114.73,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":114.73,"endTime":115.18,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":115.34,"endTime":119.81,"body":"Let's get into this and talk about,"},{"speaker":"Average Joe Finances","startTime":115.34,"endTime":119.81,"body":"Why this is the route that you went."},{"speaker":"Average Joe Finances","startTime":119.81,"endTime":122.9,"body":"And that is something, that I'm curious"},{"speaker":"Average Joe Finances","startTime":119.81,"endTime":122.9,"body":"about and probably the audiences as"},{"speaker":"Average Joe Finances","startTime":122.9,"endTime":129.07,"body":"well is, when did you start in this"},{"speaker":"Average Joe Finances","startTime":122.9,"endTime":129.07,"body":"industry and was it something that or"},{"speaker":"Average Joe Finances","startTime":129.07,"endTime":133.72,"body":"actually when did you start and why did"},{"speaker":"Average Joe Finances","startTime":129.07,"endTime":133.72,"body":"you start in this specific industry?"},{"speaker":"Barbara Sloan","startTime":134.725,"endTime":138.215,"body":"I would say my first"},{"speaker":"Barbara Sloan","startTime":134.725,"endTime":138.215,"body":"exposure to tipping and kind of a"},{"speaker":"Barbara Sloan","startTime":138.215,"endTime":140.255,"body":"service industry job was probably at 10."},{"speaker":"Barbara Sloan","startTime":140.315,"endTime":143.225,"body":"I was a paper girl, and so"},{"speaker":"Barbara Sloan","startTime":140.315,"endTime":143.225,"body":"I had a couple of blocks."},{"speaker":"Barbara Sloan","startTime":143.225,"endTime":147.435,"body":"I lived in a suburb outside of Detroit"},{"speaker":"Barbara Sloan","startTime":143.225,"endTime":147.435,"body":"and I would just sling a bunch of papers"},{"speaker":"Barbara Sloan","startTime":147.435,"endTime":150.735,"body":"over my back and I worked a couple"},{"speaker":"Barbara Sloan","startTime":147.435,"endTime":150.735,"body":"blocks and I remember around the holidays"},{"speaker":"Barbara Sloan","startTime":150.74,"endTime":155.655,"body":"getting thrown like some singles and"},{"speaker":"Barbara Sloan","startTime":150.74,"endTime":155.655,"body":"$5 and at 10, that was huge money."},{"speaker":"Barbara Sloan","startTime":155.655,"endTime":156.855,"body":"I felt super rich."},{"speaker":"Barbara Sloan","startTime":156.855,"endTime":157.515,"body":"I loved it."},{"speaker":"Barbara Sloan","startTime":157.855,"endTime":160.375,"body":"Then in high school I"},{"speaker":"Barbara Sloan","startTime":157.855,"endTime":160.375,"body":"mean I had three jobs."},{"speaker":"Barbara Sloan","startTime":161.575,"endTime":164.905,"body":"One of them was working at an A\u0026W, which"},{"speaker":"Barbara Sloan","startTime":161.575,"endTime":164.905,"body":"I'm not sure if people know, but it's"},{"speaker":"Barbara Sloan","startTime":164.91,"endTime":171.005,"body":"like a car hop style, roller skating,"},{"speaker":"Barbara Sloan","startTime":164.91,"endTime":171.005,"body":"waitress serving hot dogs and root beer."},{"speaker":"Barbara Sloan","startTime":171.365,"endTime":172.265,"body":"I was in the Midwest."},{"speaker":"Barbara Sloan","startTime":172.385,"endTime":176.04,"body":"And so I did some stuff during"},{"speaker":"Barbara Sloan","startTime":172.385,"endTime":176.04,"body":"high school, and then when I was"},{"speaker":"Barbara Sloan","startTime":176.04,"endTime":178.56,"body":"20, I moved out to California."},{"speaker":"Barbara Sloan","startTime":179.24,"endTime":182.39,"body":"And that's really where I started"},{"speaker":"Barbara Sloan","startTime":179.24,"endTime":182.39,"body":"full-time in the service industry."},{"speaker":"Barbara Sloan","startTime":182.39,"endTime":185.05,"body":"And I started by like"},{"speaker":"Barbara Sloan","startTime":182.39,"endTime":185.05,"body":"responding to Craigslist ads"},{"speaker":"Barbara Sloan","startTime":185.05,"endTime":186.34,"body":"for anything that paid cash."},{"speaker":"Barbara Sloan","startTime":186.34,"endTime":189.58,"body":"And so this started with some really"},{"speaker":"Barbara Sloan","startTime":186.34,"endTime":189.58,"body":"random side gigs, some catering"},{"speaker":"Barbara Sloan","startTime":189.58,"endTime":191.925,"body":"gigs and it went from there."},{"speaker":"Barbara Sloan","startTime":191.985,"endTime":194.025,"body":"I fell in love with the industry."},{"speaker":"Barbara Sloan","startTime":194.025,"endTime":195.765,"body":"I liked the schedule flexibility."},{"speaker":"Barbara Sloan","startTime":195.925,"endTime":197.965,"body":"I liked going to the"},{"speaker":"Barbara Sloan","startTime":195.925,"endTime":197.965,"body":"beach on a random Tuesday."},{"speaker":"Barbara Sloan","startTime":198.705,"endTime":200.655,"body":"I liked the quick access to cash."},{"speaker":"Barbara Sloan","startTime":200.655,"endTime":202.665,"body":"I loved the camaraderie of the girls."},{"speaker":"Barbara Sloan","startTime":203.49,"endTime":207.0,"body":"I'm also queer and so one of the things"},{"speaker":"Barbara Sloan","startTime":203.49,"endTime":207.0,"body":"I loved about the service industry"},{"speaker":"Barbara Sloan","startTime":207.0,"endTime":210.45,"body":"was that I like, it's like the one"},{"speaker":"Barbara Sloan","startTime":207.0,"endTime":210.45,"body":"industry where you're celebrated to"},{"speaker":"Barbara Sloan","startTime":210.45,"endTime":212.94,"body":"be yourself and a little bit extra."},{"speaker":"Barbara Sloan","startTime":212.94,"endTime":217.02,"body":"And so I love that I got to be exactly"},{"speaker":"Barbara Sloan","startTime":212.94,"endTime":217.02,"body":"who I was at all times, and I just,"},{"speaker":"Barbara Sloan","startTime":217.02,"endTime":222.2,"body":"I've always had that like entertainment"},{"speaker":"Barbara Sloan","startTime":217.02,"endTime":222.2,"body":"side to me where I like to raise the"},{"speaker":"Barbara Sloan","startTime":222.48,"endTime":227.07,"body":"energy of wherever I am, whether it's"},{"speaker":"Barbara Sloan","startTime":222.48,"endTime":227.07,"body":"a bar or a house party or a club."},{"speaker":"Barbara Sloan","startTime":227.37,"endTime":229.17,"body":"And yeah, I just, I really connected with."},{"speaker":"Barbara Sloan","startTime":229.525,"endTime":234.505,"body":"The work, I found a real art and craft to"},{"speaker":"Barbara Sloan","startTime":229.525,"endTime":234.505,"body":"it, and it just, it really worked for me."},{"speaker":"Average Joe Finances","startTime":235.825,"endTime":236.995,"body":"Okay, fantastic."},{"speaker":"Average Joe Finances","startTime":237.025,"endTime":238.405,"body":"I appreciate that answer."},{"speaker":"Average Joe Finances","startTime":238.745,"endTime":242.495,"body":"One of the things we had some topics that"},{"speaker":"Average Joe Finances","startTime":238.745,"endTime":242.495,"body":"we were gonna discuss today, and one of"},{"speaker":"Average Joe Finances","startTime":242.495,"endTime":247.085,"body":"'em is how service industry professionals"},{"speaker":"Average Joe Finances","startTime":242.495,"endTime":247.085,"body":"are left out of wealth building."},{"speaker":"Average Joe Finances","startTime":247.385,"endTime":249.24,"body":"So can you talk to me a"},{"speaker":"Average Joe Finances","startTime":247.385,"endTime":249.24,"body":"little bit about that?"},{"speaker":"Average Joe Finances","startTime":249.245,"endTime":252.335,"body":"Why do you think that service"},{"speaker":"Average Joe Finances","startTime":249.245,"endTime":252.335,"body":"industry professionals are left out"},{"speaker":"Average Joe Finances","startTime":252.335,"endTime":255.995,"body":"when it comes to wealth building"},{"speaker":"Average Joe Finances","startTime":252.335,"endTime":255.995,"body":"and just being able to build up"},{"speaker":"Average Joe Finances","startTime":255.995,"endTime":257.805,"body":"passive income and things like that?"},{"speaker":"Barbara Sloan","startTime":258.81,"endTime":261.21,"body":"Yeah, so I'll"},{"speaker":"Barbara Sloan","startTime":258.81,"endTime":261.21,"body":"say the one of the first aha"},{"speaker":"Barbara Sloan","startTime":261.21,"endTime":263.37,"body":"moments came to me in 2013."},{"speaker":"Barbara Sloan","startTime":263.7,"endTime":265.77,"body":"I moved to New York City with my wife."},{"speaker":"Barbara Sloan","startTime":265.77,"endTime":268.53,"body":"We had 700 bucks in our"},{"speaker":"Barbara Sloan","startTime":265.77,"endTime":268.53,"body":"pocket, and I got two jobs."},{"speaker":"Barbara Sloan","startTime":268.95,"endTime":273.33,"body":"I got one job working at Coyote Ugly,"},{"speaker":"Barbara Sloan","startTime":268.95,"endTime":273.33,"body":"which I'm not sure if people know the"},{"speaker":"Barbara Sloan","startTime":273.33,"endTime":276.93,"body":"movie, but basically you sing and dance"},{"speaker":"Barbara Sloan","startTime":273.33,"endTime":276.93,"body":"on the bar, you beat your patrons,"},{"speaker":"Barbara Sloan","startTime":276.93,"endTime":278.08,"body":"you get girls to take their bra's off."},{"speaker":"Barbara Sloan","startTime":278.16,"endTime":279.63,"body":"It's a saucy, fun time."},{"speaker":"Barbara Sloan","startTime":279.99,"endTime":284.73,"body":"And then I was working days on Wall Street"},{"speaker":"Barbara Sloan","startTime":279.99,"endTime":284.73,"body":"for an unregulated market, so it was part"},{"speaker":"Barbara Sloan","startTime":284.73,"endTime":288.355,"body":"trading floor, part independent sales"},{"speaker":"Barbara Sloan","startTime":284.73,"endTime":288.355,"body":"organization, loan sharking essentially."},{"speaker":"Barbara Sloan","startTime":288.745,"endTime":295.765,"body":"And so after a couple months of seeing"},{"speaker":"Barbara Sloan","startTime":288.745,"endTime":295.765,"body":"some really horrible stuff and our third"},{"speaker":"Barbara Sloan","startTime":295.765,"endTime":300.535,"body":"trader getting shipped off rehab, I was"},{"speaker":"Barbara Sloan","startTime":295.765,"endTime":300.535,"body":"like, I cannot do financial services."},{"speaker":"Barbara Sloan","startTime":300.59,"endTime":301.82,"body":"This is way too toxic."},{"speaker":"Barbara Sloan","startTime":301.82,"endTime":303.53,"body":"I'm going back to bars and construction."},{"speaker":"Barbara Sloan","startTime":304.56,"endTime":306.72,"body":"So I got a job at a construction company."},{"speaker":"Barbara Sloan","startTime":306.72,"endTime":308.88,"body":"It's actually the construction"},{"speaker":"Barbara Sloan","startTime":306.72,"endTime":308.88,"body":"company that I now own."},{"speaker":"Barbara Sloan","startTime":309.36,"endTime":311.46,"body":"And I was employee number three or four."},{"speaker":"Barbara Sloan","startTime":311.945,"endTime":316.53,"body":"And I was hired to do finance and"},{"speaker":"Barbara Sloan","startTime":311.945,"endTime":316.53,"body":"accounting, but I was also hired to do HR."},{"speaker":"Barbara Sloan","startTime":317.295,"endTime":319.965,"body":"I had never had HR before, so"},{"speaker":"Barbara Sloan","startTime":317.295,"endTime":319.965,"body":"I had no idea what they did."},{"speaker":"Barbara Sloan","startTime":319.965,"endTime":325.305,"body":"I had no idea what a 401k was, a pay"},{"speaker":"Barbara Sloan","startTime":319.965,"endTime":325.305,"body":"time off policy, FSA, I had maybe"},{"speaker":"Barbara Sloan","startTime":325.31,"endTime":327.225,"body":"had health insurance once before."},{"speaker":"Barbara Sloan","startTime":327.615,"endTime":332.115,"body":"And so I was researching all of these"},{"speaker":"Barbara Sloan","startTime":327.615,"endTime":332.115,"body":"benefits and all of these safety nets."},{"speaker":"Barbara Sloan","startTime":332.115,"endTime":334.935,"body":"And then on the other side of the"},{"speaker":"Barbara Sloan","startTime":332.115,"endTime":334.935,"body":"equation, I was working for these"},{"speaker":"Barbara Sloan","startTime":334.935,"endTime":338.535,"body":"really high net worth individuals,"},{"speaker":"Barbara Sloan","startTime":334.935,"endTime":338.535,"body":"talking to them about their biggest"},{"speaker":"Barbara Sloan","startTime":338.535,"endTime":341.925,"body":"budget items, talking to them about how"},{"speaker":"Barbara Sloan","startTime":338.535,"endTime":341.925,"body":"they viewed money, the trade-offs that"},{"speaker":"Barbara Sloan","startTime":341.925,"endTime":344.145,"body":"they were making, and it was in scene."},{"speaker":"Barbara Sloan","startTime":345.04,"endTime":349.33,"body":"Both those systems and safety nets"},{"speaker":"Barbara Sloan","startTime":345.04,"endTime":349.33,"body":"and the mindset of the people that"},{"speaker":"Barbara Sloan","startTime":349.335,"endTime":354.13,"body":"I was working with, and I was like,"},{"speaker":"Barbara Sloan","startTime":349.335,"endTime":354.13,"body":"oh, these are the reasons that my"},{"speaker":"Barbara Sloan","startTime":354.13,"endTime":355.75,"body":"peers and I have not built wealth."},{"speaker":"Barbara Sloan","startTime":356.17,"endTime":357.22,"body":"It's these systems."},{"speaker":"Barbara Sloan","startTime":358.335,"endTime":358.515,"body":"Wow."},{"speaker":"Barbara Sloan","startTime":359.745,"endTime":364.785,"body":"So then I started deep diving, personal"},{"speaker":"Barbara Sloan","startTime":359.745,"endTime":364.785,"body":"finance content, and in 2016, we all"},{"speaker":"Barbara Sloan","startTime":364.785,"endTime":366.045,"body":"know what was happening in the country."},{"speaker":"Barbara Sloan","startTime":366.045,"endTime":367.155,"body":"It was a little bit of a nightmare."},{"speaker":"Barbara Sloan","startTime":367.495,"endTime":372.08,"body":"I did a media blackout and I only listened"},{"speaker":"Barbara Sloan","startTime":367.495,"endTime":372.08,"body":"to the sweet soothing sounds of personal"},{"speaker":"Barbara Sloan","startTime":372.08,"endTime":377.64,"body":"finance podcasts and audiobooks and year"},{"speaker":"Barbara Sloan","startTime":372.08,"endTime":377.64,"body":"after year podcast after podcast book,"},{"speaker":"Barbara Sloan","startTime":377.99,"endTime":379.91,"body":"I never saw or heard anyone like me."},{"speaker":"Barbara Sloan","startTime":380.95,"endTime":383.735,"body":"And so it was just in that"},{"speaker":"Barbara Sloan","startTime":380.95,"endTime":383.735,"body":"moment where I was like, nobody"},{"speaker":"Barbara Sloan","startTime":383.735,"endTime":385.235,"body":"is talking to these people."},{"speaker":"Barbara Sloan","startTime":385.235,"endTime":387.905,"body":"Nobody is talking to people like me where."},{"speaker":"Average Joe Finances","startTime":388.015,"endTime":390.815,"body":"Like a"},{"speaker":"Average Joe Finances","startTime":388.015,"endTime":390.815,"body":"whole untapped community, right?"},{"speaker":"Barbara Sloan","startTime":391.685,"endTime":392.045,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":392.045,"endTime":396.545,"body":"There's more than 5.5 million"},{"speaker":"Barbara Sloan","startTime":392.045,"endTime":396.545,"body":"people working on tips in the us."},{"speaker":"Barbara Sloan","startTime":396.755,"endTime":399.805,"body":"It is the second largest employment"},{"speaker":"Barbara Sloan","startTime":396.755,"endTime":399.805,"body":"sector in the United States."},{"speaker":"Barbara Sloan","startTime":400.805,"endTime":406.745,"body":"And so to see that we were left out of"},{"speaker":"Barbara Sloan","startTime":400.805,"endTime":406.745,"body":"the financial conversation, we're left out"},{"speaker":"Barbara Sloan","startTime":406.745,"endTime":409.415,"body":"of the most basic of employer benefits."},{"speaker":"Barbara Sloan","startTime":410.03,"endTime":415.43,"body":"And then the only time we do see financial"},{"speaker":"Barbara Sloan","startTime":410.03,"endTime":415.43,"body":"services is in this really predatory way."},{"speaker":"Barbara Sloan","startTime":415.91,"endTime":417.44,"body":"It's just somebody's gotta do something."},{"speaker":"Barbara Sloan","startTime":417.44,"endTime":419.33,"body":"Somebody needs to start"},{"speaker":"Barbara Sloan","startTime":417.44,"endTime":419.33,"body":"talking to these people."},{"speaker":"Average Joe Finances","startTime":421.16,"endTime":421.46,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":421.49,"endTime":422.3,"body":"No that's great."},{"speaker":"Average Joe Finances","startTime":422.3,"endTime":426.795,"body":"So again, you were able to recluse"},{"speaker":"Average Joe Finances","startTime":422.3,"endTime":426.795,"body":"yourself, during that timeframe and just"},{"speaker":"Average Joe Finances","startTime":426.795,"endTime":429.525,"body":"cut everything else off and focus on."},{"speaker":"Average Joe Finances","startTime":429.885,"endTime":433.575,"body":"Your personal finances right by listening"},{"speaker":"Average Joe Finances","startTime":429.885,"endTime":433.575,"body":"to all these different podcasts, I'm"},{"speaker":"Average Joe Finances","startTime":433.575,"endTime":438.945,"body":"sure you were watching YouTube channels"},{"speaker":"Average Joe Finances","startTime":433.575,"endTime":438.945,"body":"as well, but the whole time you're doing"},{"speaker":"Average Joe Finances","startTime":438.95,"endTime":444.045,"body":"this, there was nobody that resonated"},{"speaker":"Average Joe Finances","startTime":438.95,"endTime":444.045,"body":"with you for who you were, right?"},{"speaker":"Barbara Sloan","startTime":444.075,"endTime":444.255,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":444.285,"endTime":444.585,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":444.585,"endTime":446.205,"body":"Some of the advice might be great."},{"speaker":"Average Joe Finances","startTime":446.21,"endTime":446.745,"body":"Yes, sure."},{"speaker":"Average Joe Finances","startTime":446.745,"endTime":447.765,"body":"I could do this with my money."},{"speaker":"Average Joe Finances","startTime":447.765,"endTime":450.675,"body":"I could do that with my money,"},{"speaker":"Average Joe Finances","startTime":447.765,"endTime":450.675,"body":"but do you really know me?"},{"speaker":"Average Joe Finances","startTime":451.105,"endTime":456.115,"body":"Do you do, can we really connect on"},{"speaker":"Average Joe Finances","startTime":451.105,"endTime":456.115,"body":"that level to where I feel comfortable,"},{"speaker":"Average Joe Finances","startTime":456.385,"endTime":459.935,"body":"you know that this is gonna be a"},{"speaker":"Average Joe Finances","startTime":456.385,"endTime":459.935,"body":"good move for me to do with my money."},{"speaker":"Barbara Sloan","startTime":459.935,"endTime":459.995,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":460.295,"endTime":463.235,"body":"So yeah,"},{"speaker":"Average Joe Finances","startTime":460.295,"endTime":463.235,"body":"there's a whole untapped industry"},{"speaker":"Average Joe Finances","startTime":463.595,"endTime":468.005,"body":"of people that are not getting that"},{"speaker":"Average Joe Finances","startTime":463.595,"endTime":468.005,"body":"financial education because, Most"},{"speaker":"Average Joe Finances","startTime":468.01,"endTime":471.515,"body":"of the time it caters to somebody"},{"speaker":"Average Joe Finances","startTime":468.01,"endTime":471.515,"body":"that's on salary or has set hours."},{"speaker":"Average Joe Finances","startTime":471.515,"endTime":474.095,"body":"They know what their income is, right?"},{"speaker":"Average Joe Finances","startTime":474.095,"endTime":478.265,"body":"Whereas in the service industry, your"},{"speaker":"Average Joe Finances","startTime":474.095,"endTime":478.265,"body":"income is going to fluctuate all the time."},{"speaker":"Barbara Sloan","startTime":478.335,"endTime":478.625,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":478.805,"endTime":480.305,"body":"You can have"},{"speaker":"Average Joe Finances","startTime":478.805,"endTime":480.305,"body":"one really great week where you"},{"speaker":"Average Joe Finances","startTime":480.305,"endTime":483.945,"body":"make a but ton of money and the"},{"speaker":"Average Joe Finances","startTime":480.305,"endTime":483.945,"body":"next week you could be a zero."},{"speaker":"Average Joe Finances","startTime":483.945,"endTime":486.105,"body":"You can go from zero"},{"speaker":"Average Joe Finances","startTime":483.945,"endTime":486.105,"body":"to hero and here zero."},{"speaker":"Average Joe Finances","startTime":486.135,"endTime":486.885,"body":"Just like that."},{"speaker":"Barbara Sloan","startTime":487.77,"endTime":490.305,"body":"Yeah, there's a"},{"speaker":"Barbara Sloan","startTime":487.77,"endTime":490.305,"body":"lot of unique hazards and a lot of"},{"speaker":"Barbara Sloan","startTime":490.365,"endTime":492.495,"body":"unique opportunities in the industry."},{"speaker":"Barbara Sloan","startTime":492.495,"endTime":496.72,"body":"And yeah, all of the classically"},{"speaker":"Barbara Sloan","startTime":492.495,"endTime":496.72,"body":"shouted personal finance advice, get"},{"speaker":"Barbara Sloan","startTime":496.72,"endTime":501.52,"body":"the 401K match, negotiate your salary"},{"speaker":"Barbara Sloan","startTime":496.72,"endTime":501.52,"body":"budget based off of your income."},{"speaker":"Barbara Sloan","startTime":502.27,"endTime":503.5,"body":"None of it applied."},{"speaker":"Barbara Sloan","startTime":503.5,"endTime":505.66,"body":"Our financial lives look"},{"speaker":"Barbara Sloan","startTime":503.5,"endTime":505.66,"body":"completely different."},{"speaker":"Barbara Sloan","startTime":505.715,"endTime":507.255,"body":"We need specialized advice."},{"speaker":"Average Joe Finances","startTime":508.565,"endTime":511.245,"body":"Yeah that's"},{"speaker":"Average Joe Finances","startTime":508.565,"endTime":511.245,"body":"interesting too cuz e even, my podcast"},{"speaker":"Average Joe Finances","startTime":511.245,"endTime":515.205,"body":"too the who we cater to, the Average"},{"speaker":"Average Joe Finances","startTime":511.245,"endTime":515.205,"body":"Joe and the Average Jane, usually blue"},{"speaker":"Average Joe Finances","startTime":515.205,"endTime":520.455,"body":"collar workers that are trying to get"},{"speaker":"Average Joe Finances","startTime":515.205,"endTime":520.455,"body":"out of the rat race and beat debt."},{"speaker":"Average Joe Finances","startTime":520.485,"endTime":525.535,"body":"I too am guilty of not contributing"},{"speaker":"Average Joe Finances","startTime":520.485,"endTime":525.535,"body":"towards the service industry."},{"speaker":"Average Joe Finances","startTime":525.905,"endTime":530.015,"body":"So I'm glad we're having this conversation"},{"speaker":"Average Joe Finances","startTime":525.905,"endTime":530.015,"body":"cuz this will give some other people,"},{"speaker":"Average Joe Finances","startTime":530.015,"endTime":531.455,"body":"something to resonate with, right?"},{"speaker":"Average Joe Finances","startTime":531.835,"endTime":533.995,"body":"That there is a way for"},{"speaker":"Average Joe Finances","startTime":531.835,"endTime":533.995,"body":"you to do this, right?"},{"speaker":"Average Joe Finances","startTime":533.995,"endTime":535.305,"body":"And, go follow Barbara, right?"},{"speaker":"Average Joe Finances","startTime":535.795,"endTime":536.785,"body":"Go check out her stuff."},{"speaker":"Average Joe Finances","startTime":536.875,"endTime":537.355,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":537.615,"endTime":542.095,"body":"But yeah, no, this is very interesting"},{"speaker":"Average Joe Finances","startTime":537.615,"endTime":542.095,"body":"stuff because, there are the."},{"speaker":"Average Joe Finances","startTime":543.7,"endTime":546.73,"body":"When you think about personal"},{"speaker":"Average Joe Finances","startTime":543.7,"endTime":546.73,"body":"finances and financial education,"},{"speaker":"Average Joe Finances","startTime":546.73,"endTime":548.41,"body":"just in general, right?"},{"speaker":"Average Joe Finances","startTime":548.56,"endTime":552.79,"body":"There are so many people that are left"},{"speaker":"Average Joe Finances","startTime":548.56,"endTime":552.79,"body":"out and there are so many people that"},{"speaker":"Average Joe Finances","startTime":552.79,"endTime":555.46,"body":"just don't get touched or reached."},{"speaker":"Average Joe Finances","startTime":555.955,"endTime":557.155,"body":"By anybody else."},{"speaker":"Average Joe Finances","startTime":557.425,"endTime":561.925,"body":"So I'm hoping that this can reach"},{"speaker":"Average Joe Finances","startTime":557.425,"endTime":561.925,"body":"an audience that may not have been"},{"speaker":"Average Joe Finances","startTime":561.925,"endTime":563.425,"body":"touched by this podcast before."},{"speaker":"Average Joe Finances","startTime":563.475,"endTime":566.865,"body":"That may not have felt they had"},{"speaker":"Average Joe Finances","startTime":563.475,"endTime":566.865,"body":"a voice or anything like that."},{"speaker":"Average Joe Finances","startTime":566.865,"endTime":570.73,"body":"So it's great for everybody to have"},{"speaker":"Average Joe Finances","startTime":566.865,"endTime":570.73,"body":"someone they can relate to and feel like,"},{"speaker":"Average Joe Finances","startTime":570.73,"endTime":572.73,"body":"Hey I can see myself in this person."},{"speaker":"Barbara Sloan","startTime":573.0,"endTime":573.09,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":573.54,"endTime":575.43,"body":"I think we all learned a look up story."},{"speaker":"Barbara Sloan","startTime":575.64,"endTime":576.09,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":576.095,"endTime":576.34,"body":"Absolutely."},{"speaker":"Barbara Sloan","startTime":576.54,"endTime":576.81,"body":"Totally."},{"speaker":"Average Joe Finances","startTime":577.35,"endTime":577.65,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":578.37,"endTime":582.35,"body":"Okay let's go a little bit into it"},{"speaker":"Average Joe Finances","startTime":578.37,"endTime":582.35,"body":"then and talk about, what that looks"},{"speaker":"Average Joe Finances","startTime":582.35,"endTime":585.68,"body":"like, the financial life of somebody"},{"speaker":"Average Joe Finances","startTime":582.35,"endTime":585.68,"body":"in the service industry, right?"},{"speaker":"Average Joe Finances","startTime":585.68,"endTime":588.95,"body":"I had mentioned how, you go from"},{"speaker":"Average Joe Finances","startTime":585.68,"endTime":588.95,"body":"zero to hero and hero to zero, right?"},{"speaker":"Average Joe Finances","startTime":589.25,"endTime":591.44,"body":"You have this fluctuating income."},{"speaker":"Average Joe Finances","startTime":591.62,"endTime":593.53,"body":"So how does somebody that is."},{"speaker":"Average Joe Finances","startTime":594.705,"endTime":599.545,"body":"In that particular industry able to,"},{"speaker":"Average Joe Finances","startTime":594.705,"endTime":599.545,"body":"make themselves a proper spending"},{"speaker":"Average Joe Finances","startTime":599.545,"endTime":603.635,"body":"plan or budget to make life a little"},{"speaker":"Average Joe Finances","startTime":599.545,"endTime":603.635,"body":"bit easier for themselves and to"},{"speaker":"Average Joe Finances","startTime":603.665,"endTime":606.36,"body":"maybe start building that nest egg"},{"speaker":"Average Joe Finances","startTime":603.665,"endTime":606.36,"body":"for the future, for retirement."},{"speaker":"Barbara Sloan","startTime":607.14,"endTime":609.41,"body":"Yeah, budgeting is"},{"speaker":"Barbara Sloan","startTime":607.14,"endTime":609.41,"body":"one of my favorite things to talk"},{"speaker":"Barbara Sloan","startTime":609.41,"endTime":612.02,"body":"about because it's just one of the"},{"speaker":"Barbara Sloan","startTime":609.41,"endTime":612.02,"body":"things that is needed the most for"},{"speaker":"Barbara Sloan","startTime":612.025,"endTime":616.34,"body":"people on a fluctuating income, and"},{"speaker":"Barbara Sloan","startTime":612.025,"endTime":616.34,"body":"I don't even start with budgeting."},{"speaker":"Barbara Sloan","startTime":616.4,"endTime":618.95,"body":"The first thing we start"},{"speaker":"Barbara Sloan","startTime":616.4,"endTime":618.95,"body":"with is tracking your income."},{"speaker":"Barbara Sloan","startTime":619.49,"endTime":624.52,"body":"For people who live on a fluctuating"},{"speaker":"Barbara Sloan","startTime":619.49,"endTime":624.52,"body":"income, they're often not tracking it and."},{"speaker":"Barbara Sloan","startTime":625.995,"endTime":628.005,"body":"People can vilify them"},{"speaker":"Barbara Sloan","startTime":625.995,"endTime":628.005,"body":"and say, oh why not?"},{"speaker":"Barbara Sloan","startTime":628.035,"endTime":630.985,"body":"But for the most part, most people"},{"speaker":"Barbara Sloan","startTime":628.035,"endTime":630.985,"body":"aren't tracking their expenses."},{"speaker":"Barbara Sloan","startTime":631.345,"endTime":635.245,"body":"So when you think about how easy it is"},{"speaker":"Barbara Sloan","startTime":631.345,"endTime":635.245,"body":"to not itemize each of your transactions"},{"speaker":"Barbara Sloan","startTime":635.25,"endTime":638.935,"body":"on the expense side, that's how easy"},{"speaker":"Barbara Sloan","startTime":635.25,"endTime":638.935,"body":"it is for somebody who's operating off"},{"speaker":"Barbara Sloan","startTime":638.935,"endTime":642.925,"body":"fluctuating income, not to track all of"},{"speaker":"Barbara Sloan","startTime":638.935,"endTime":642.925,"body":"these random dollars that are coming in."},{"speaker":"Barbara Sloan","startTime":643.705,"endTime":646.945,"body":"So the first thing we start to"},{"speaker":"Barbara Sloan","startTime":643.705,"endTime":646.945,"body":"talk about is the income side of"},{"speaker":"Barbara Sloan","startTime":646.945,"endTime":650.575,"body":"the equation, because it's really"},{"speaker":"Barbara Sloan","startTime":646.945,"endTime":650.575,"body":"important to track your income."},{"speaker":"Barbara Sloan","startTime":651.205,"endTime":654.625,"body":"When you start tracking your"},{"speaker":"Barbara Sloan","startTime":651.205,"endTime":654.625,"body":"income, you will see trends."},{"speaker":"Barbara Sloan","startTime":655.585,"endTime":658.475,"body":"Every single industry has trends."},{"speaker":"Barbara Sloan","startTime":659.785,"endTime":664.105,"body":"I'm married to somebody who does corporate"},{"speaker":"Barbara Sloan","startTime":659.785,"endTime":664.105,"body":"finance for a living, and we nerd"},{"speaker":"Barbara Sloan","startTime":664.105,"endTime":665.635,"body":"out on this money stuff all the time."},{"speaker":"Barbara Sloan","startTime":665.635,"endTime":669.045,"body":"And I always say that people in the"},{"speaker":"Barbara Sloan","startTime":665.635,"endTime":669.045,"body":"service industry, you are, you're an"},{"speaker":"Barbara Sloan","startTime":669.05,"endTime":673.575,"body":"entrepreneur, you are running your own"},{"speaker":"Barbara Sloan","startTime":669.05,"endTime":673.575,"body":"little business, and having a fluctuating"},{"speaker":"Barbara Sloan","startTime":673.575,"endTime":677.565,"body":"income in the service industry is"},{"speaker":"Barbara Sloan","startTime":673.575,"endTime":677.565,"body":"very similar to owning a business."},{"speaker":"Barbara Sloan","startTime":677.625,"endTime":682.125,"body":"You're never gonna have the same"},{"speaker":"Barbara Sloan","startTime":677.625,"endTime":682.125,"body":"two months of income ever, and so"},{"speaker":"Barbara Sloan","startTime":682.125,"endTime":683.745,"body":"you have to act like a business."},{"speaker":"Barbara Sloan","startTime":683.775,"endTime":685.095,"body":"And what do businesses do?"},{"speaker":"Barbara Sloan","startTime":685.875,"endTime":687.045,"body":"They look for trends."},{"speaker":"Barbara Sloan","startTime":687.705,"endTime":688.965,"body":"They set targets."},{"speaker":"Barbara Sloan","startTime":689.25,"endTime":692.88,"body":"And then they look back to see if"},{"speaker":"Barbara Sloan","startTime":689.25,"endTime":692.88,"body":"they hit those targets and where"},{"speaker":"Barbara Sloan","startTime":692.88,"endTime":694.11,"body":"they need to make adjustments."},{"speaker":"Barbara Sloan","startTime":694.32,"endTime":696.87,"body":"And when you're operating on a"},{"speaker":"Barbara Sloan","startTime":694.32,"endTime":696.87,"body":"fluctuating income, you need to do"},{"speaker":"Barbara Sloan","startTime":696.87,"endTime":701.515,"body":"the exact same thing and you need"},{"speaker":"Barbara Sloan","startTime":696.87,"endTime":701.515,"body":"to look at it at a micro level."},{"speaker":"Barbara Sloan","startTime":701.755,"endTime":703.855,"body":"So you're gonna start"},{"speaker":"Barbara Sloan","startTime":701.755,"endTime":703.855,"body":"by tracking your income."},{"speaker":"Barbara Sloan","startTime":704.035,"endTime":705.085,"body":"You're gonna look for those trends."},{"speaker":"Barbara Sloan","startTime":705.085,"endTime":707.545,"body":"If you're in the service industry, if"},{"speaker":"Barbara Sloan","startTime":705.085,"endTime":707.545,"body":"you're in a club environment, when I"},{"speaker":"Barbara Sloan","startTime":707.545,"endTime":709.825,"body":"was dancing, summers are really slow."},{"speaker":"Barbara Sloan","startTime":710.155,"endTime":712.075,"body":"Sporting events are really slow."},{"speaker":"Barbara Sloan","startTime":712.375,"endTime":715.885,"body":"If you're a waitress or a bartender"},{"speaker":"Barbara Sloan","startTime":712.375,"endTime":715.885,"body":"who has access to a section on a"},{"speaker":"Barbara Sloan","startTime":715.89,"endTime":718.195,"body":"patio, your summers are gonna be busy."},{"speaker":"Barbara Sloan","startTime":719.335,"endTime":721.765,"body":"Holidays are gonna be another busy season."},{"speaker":"Barbara Sloan","startTime":721.795,"endTime":726.49,"body":"And so when you start to see those"},{"speaker":"Barbara Sloan","startTime":721.795,"endTime":726.49,"body":"trends, In your establishment or in your"},{"speaker":"Barbara Sloan","startTime":726.49,"endTime":731.29,"body":"area or in your industry, then you can"},{"speaker":"Barbara Sloan","startTime":726.49,"endTime":731.29,"body":"start to make a plan with that income."},{"speaker":"Barbara Sloan","startTime":731.29,"endTime":734.23,"body":"And that can look like"},{"speaker":"Barbara Sloan","startTime":731.29,"endTime":734.23,"body":"building in buffers, saving"},{"speaker":"Barbara Sloan","startTime":734.235,"endTime":736.36,"body":"up for things like your p t o."},{"speaker":"Barbara Sloan","startTime":736.365,"endTime":740.13,"body":"Like one of my favorite things to"},{"speaker":"Barbara Sloan","startTime":736.365,"endTime":740.13,"body":"talk about for people who are part of"},{"speaker":"Barbara Sloan","startTime":740.13,"endTime":745.77,"body":"that big December income push with the"},{"speaker":"Barbara Sloan","startTime":740.13,"endTime":745.77,"body":"holidays is set aside a thousand extra"},{"speaker":"Barbara Sloan","startTime":745.77,"endTime":751.755,"body":"dollars in December and break it up"},{"speaker":"Barbara Sloan","startTime":745.77,"endTime":751.755,"body":"into 10 envelopes of a hundred bucks."},{"speaker":"Barbara Sloan","startTime":751.785,"endTime":752.385,"body":"There you go."},{"speaker":"Barbara Sloan","startTime":752.445,"endTime":754.035,"body":"That's 10 paid days off for you."},{"speaker":"Barbara Sloan","startTime":754.035,"endTime":754.815,"body":"Next year."},{"speaker":"Barbara Sloan","startTime":755.085,"endTime":759.285,"body":"Most Americans have an average"},{"speaker":"Barbara Sloan","startTime":755.085,"endTime":759.285,"body":"of 20 paid days off every year."},{"speaker":"Barbara Sloan","startTime":759.345,"endTime":760.635,"body":"That's like a working month."},{"speaker":"Barbara Sloan","startTime":761.055,"endTime":764.655,"body":"Can you imagine if you didn't have"},{"speaker":"Barbara Sloan","startTime":761.055,"endTime":764.655,"body":"any of those days, how easy it would"},{"speaker":"Barbara Sloan","startTime":764.655,"endTime":767.945,"body":"be for you to burn out or not take"},{"speaker":"Barbara Sloan","startTime":764.655,"endTime":767.945,"body":"care of your health or your dentist"},{"speaker":"Barbara Sloan","startTime":768.125,"endTime":771.315,"body":"or maintenance on your home or all"},{"speaker":"Barbara Sloan","startTime":768.125,"endTime":771.315,"body":"of these other things because you"},{"speaker":"Barbara Sloan","startTime":771.315,"endTime":773.145,"body":"don't have access to paid time off."},{"speaker":"Barbara Sloan","startTime":773.445,"endTime":775.605,"body":"And even if you're in a state where."},{"speaker":"Barbara Sloan","startTime":776.575,"endTime":778.89,"body":"You're required to give paid time off."},{"speaker":"Barbara Sloan","startTime":779.61,"endTime":782.97,"body":"You don't actually see it if you're"},{"speaker":"Barbara Sloan","startTime":779.61,"endTime":782.97,"body":"in the service industry because people"},{"speaker":"Barbara Sloan","startTime":782.97,"endTime":787.11,"body":"who work in the service industry are"},{"speaker":"Barbara Sloan","startTime":782.97,"endTime":787.11,"body":"held to a totally different sub minimum"},{"speaker":"Barbara Sloan","startTime":787.115,"endTime":789.42,"body":"wage, which is $2 and 13 cents an hour."},{"speaker":"Barbara Sloan","startTime":789.42,"endTime":792.69,"body":"So if you have a paid day off,"},{"speaker":"Barbara Sloan","startTime":789.42,"endTime":792.69,"body":"we're talking eight hours times"},{"speaker":"Barbara Sloan","startTime":792.69,"endTime":794.3,"body":"two 13, which is like 17 bucks."},{"speaker":"Barbara Sloan","startTime":794.84,"endTime":798.03,"body":"And then we're also saying the"},{"speaker":"Barbara Sloan","startTime":794.84,"endTime":798.03,"body":"portion of your tips are claimed"},{"speaker":"Barbara Sloan","startTime":798.03,"endTime":799.32,"body":"automatically throughout that week."},{"speaker":"Barbara Sloan","startTime":799.62,"endTime":801.78,"body":"Taxes, eat that $17."},{"speaker":"Barbara Sloan","startTime":801.78,"endTime":804.93,"body":"And cash flow wise, you never"},{"speaker":"Barbara Sloan","startTime":801.78,"endTime":804.93,"body":"experience a paid day off."},{"speaker":"Barbara Sloan","startTime":805.61,"endTime":808.635,"body":"And so that's just not a reality for"},{"speaker":"Barbara Sloan","startTime":805.61,"endTime":808.635,"body":"people in this industry is paid time"},{"speaker":"Barbara Sloan","startTime":808.635,"endTime":811.275,"body":"off, but you have to build it yourself,"},{"speaker":"Barbara Sloan","startTime":808.635,"endTime":811.275,"body":"and that's one of the ways that I"},{"speaker":"Barbara Sloan","startTime":811.275,"endTime":815.295,"body":"like to do is like when you find those"},{"speaker":"Barbara Sloan","startTime":811.275,"endTime":815.295,"body":"trends of when you have access or more"},{"speaker":"Barbara Sloan","startTime":815.295,"endTime":818.625,"body":"income coming in, you can start to put"},{"speaker":"Barbara Sloan","startTime":815.295,"endTime":818.625,"body":"some of these systems in place, like"},{"speaker":"Barbara Sloan","startTime":818.625,"endTime":822.616,"body":"a paid time off policy, maybe some"},{"speaker":"Barbara Sloan","startTime":818.625,"endTime":822.616,"body":"insurances, maybe we can start talking"},{"speaker":"Barbara Sloan","startTime":822.621,"endTime":824.655,"body":"about retirement planning and investing."},{"speaker":"Barbara Sloan","startTime":824.685,"endTime":828.135,"body":"So tracking your income is the"},{"speaker":"Barbara Sloan","startTime":824.685,"endTime":828.135,"body":"most important piece for planning."},{"speaker":"Barbara Sloan","startTime":828.525,"endTime":831.675,"body":"The other reason that tracking your"},{"speaker":"Barbara Sloan","startTime":828.525,"endTime":831.675,"body":"income's really important is because."},{"speaker":"Barbara Sloan","startTime":832.725,"endTime":837.135,"body":"Your income is what"},{"speaker":"Barbara Sloan","startTime":832.725,"endTime":837.135,"body":"qualifies you for benefits."},{"speaker":"Barbara Sloan","startTime":837.735,"endTime":842.295,"body":"So something like unemployment, like when"},{"speaker":"Barbara Sloan","startTime":837.735,"endTime":842.295,"body":"Covid happened, people in the service"},{"speaker":"Barbara Sloan","startTime":842.295,"endTime":845.025,"body":"industry, the only reason they received"},{"speaker":"Barbara Sloan","startTime":842.295,"endTime":845.025,"body":"any money if they weren't claiming"},{"speaker":"Barbara Sloan","startTime":845.025,"endTime":846.585,"body":"their tips was because of the booster."},{"speaker":"Barbara Sloan","startTime":847.185,"endTime":850.245,"body":"The other thing that is the"},{"speaker":"Barbara Sloan","startTime":847.185,"endTime":850.245,"body":"biggest financial safety net in"},{"speaker":"Barbara Sloan","startTime":850.245,"endTime":852.345,"body":"the United States, Social Security."},{"speaker":"Barbara Sloan","startTime":852.765,"endTime":856.095,"body":"So Social Security was created"},{"speaker":"Barbara Sloan","startTime":852.765,"endTime":856.095,"body":"because people were falling between"},{"speaker":"Barbara Sloan","startTime":856.095,"endTime":859.485,"body":"the cracks of a 401k and pension."},{"speaker":"Barbara Sloan","startTime":860.015,"endTime":862.5,"body":"And the only people that still fall"},{"speaker":"Barbara Sloan","startTime":860.015,"endTime":862.5,"body":"through that crack are people who"},{"speaker":"Barbara Sloan","startTime":862.5,"endTime":865.815,"body":"work in the service industry because"},{"speaker":"Barbara Sloan","startTime":862.5,"endTime":865.815,"body":"oftentimes they're not tracking their"},{"speaker":"Barbara Sloan","startTime":865.815,"endTime":869.805,"body":"income, which means that they're not"},{"speaker":"Barbara Sloan","startTime":865.815,"endTime":869.805,"body":"claiming their income, which means that"},{"speaker":"Barbara Sloan","startTime":869.805,"endTime":873.555,"body":"they aren't on the receiving end of"},{"speaker":"Barbara Sloan","startTime":869.805,"endTime":873.555,"body":"that partial income replacement plan."},{"speaker":"Average Joe Finances","startTime":873.775,"endTime":876.935,"body":"They're not,"},{"speaker":"Average Joe Finances","startTime":873.775,"endTime":876.935,"body":"contributing at that point because it's"},{"speaker":"Average Joe Finances","startTime":876.935,"endTime":881.485,"body":"not, while they are like the, whatever,"},{"speaker":"Average Joe Finances","startTime":876.935,"endTime":881.485,"body":"this minimum that comes out of that"},{"speaker":"Average Joe Finances","startTime":881.545,"endTime":886.425,"body":"$2 and 13 cents per hour, but that is"},{"speaker":"Average Joe Finances","startTime":881.545,"endTime":886.425,"body":"not gonna be something that's livable."},{"speaker":"Average Joe Finances","startTime":886.72,"endTime":888.73,"body":"In your sixties and"},{"speaker":"Average Joe Finances","startTime":886.72,"endTime":888.73,"body":"seventies, it's just not"},{"speaker":"Barbara Sloan","startTime":889.46,"endTime":892.37,"body":"And so part of the"},{"speaker":"Barbara Sloan","startTime":889.46,"endTime":892.37,"body":"research when I was writing my book,"},{"speaker":"Barbara Sloan","startTime":892.37,"endTime":895.49,"body":"was digging into the economics of"},{"speaker":"Barbara Sloan","startTime":892.37,"endTime":895.49,"body":"the people who are in this industry."},{"speaker":"Barbara Sloan","startTime":895.49,"endTime":900.59,"body":"And I found that currently retired"},{"speaker":"Barbara Sloan","startTime":895.49,"endTime":900.59,"body":"service industry professionals rely"},{"speaker":"Barbara Sloan","startTime":900.59,"endTime":904.35,"body":"solely on social security, which is"},{"speaker":"Barbara Sloan","startTime":900.59,"endTime":904.35,"body":"terrifying when you think about the"},{"speaker":"Barbara Sloan","startTime":904.61,"endTime":909.26,"body":"fact that the average social security"},{"speaker":"Barbara Sloan","startTime":904.61,"endTime":909.26,"body":"payout in 2020 was less than $20,000."},{"speaker":"Barbara Sloan","startTime":909.26,"endTime":911.45,"body":"And that's for people who"},{"speaker":"Barbara Sloan","startTime":909.26,"endTime":911.45,"body":"claim their income in full."},{"speaker":"Barbara Sloan","startTime":911.8,"endTime":915.94,"body":"So if you can't imagine living off of"},{"speaker":"Barbara Sloan","startTime":911.8,"endTime":915.94,"body":"$10,000 a year, you're in real trouble."},{"speaker":"Barbara Sloan","startTime":916.72,"endTime":919.69,"body":"So claiming that and tracking"},{"speaker":"Barbara Sloan","startTime":916.72,"endTime":919.69,"body":"your income is a big part of"},{"speaker":"Barbara Sloan","startTime":919.69,"endTime":920.89,"body":"the beginning conversation."},{"speaker":"Barbara Sloan","startTime":920.89,"endTime":923.385,"body":"And then we can get more"},{"speaker":"Barbara Sloan","startTime":920.89,"endTime":923.385,"body":"into budgeting as well."},{"speaker":"Barbara Sloan","startTime":923.695,"endTime":924.905,"body":"And how you can do that."},{"speaker":"Barbara Sloan","startTime":924.905,"endTime":928.565,"body":"But to me, a big part of the"},{"speaker":"Barbara Sloan","startTime":924.905,"endTime":928.565,"body":"conversation has to be focused on income."},{"speaker":"Average Joe Finances","startTime":929.155,"endTime":931.475,"body":"Yeah, no,"},{"speaker":"Average Joe Finances","startTime":929.155,"endTime":931.475,"body":"definitely appreciate that, Barbara."},{"speaker":"Average Joe Finances","startTime":931.475,"endTime":933.335,"body":"Cuz, the more you were talking,"},{"speaker":"Average Joe Finances","startTime":931.475,"endTime":933.335,"body":"I was sitting here taking"},{"speaker":"Average Joe Finances","startTime":933.335,"endTime":934.625,"body":"some notes and thinking about."},{"speaker":"Average Joe Finances","startTime":935.195,"endTime":938.255,"body":"Thinking about it, one of the biggest"},{"speaker":"Average Joe Finances","startTime":935.195,"endTime":938.255,"body":"things that we talk about when it comes"},{"speaker":"Average Joe Finances","startTime":938.255,"endTime":942.705,"body":"to building up a budget or a spending"},{"speaker":"Average Joe Finances","startTime":938.255,"endTime":942.705,"body":"plan is, itemizing those expenses."},{"speaker":"Average Joe Finances","startTime":942.805,"endTime":946.185,"body":"Where, in the service industry, you"},{"speaker":"Average Joe Finances","startTime":942.805,"endTime":946.185,"body":"also have to itemize that income."},{"speaker":"Average Joe Finances","startTime":946.5,"endTime":947.94,"body":"Because it's never gonna be the same."},{"speaker":"Average Joe Finances","startTime":948.36,"endTime":950.53,"body":"And I like how you were"},{"speaker":"Average Joe Finances","startTime":948.36,"endTime":950.53,"body":"talking about, treat it like"},{"speaker":"Average Joe Finances","startTime":950.53,"endTime":952.0,"body":"a business, set these targets."},{"speaker":"Average Joe Finances","startTime":952.0,"endTime":955.51,"body":"This is how much you wanna make this"},{"speaker":"Average Joe Finances","startTime":952.0,"endTime":955.51,"body":"month, this is how much you wanna have."},{"speaker":"Average Joe Finances","startTime":955.515,"endTime":958.67,"body":"That's, spending this is how much you"},{"speaker":"Average Joe Finances","startTime":955.515,"endTime":958.67,"body":"wanna have put to the side for your"},{"speaker":"Average Joe Finances","startTime":958.67,"endTime":960.44,"body":"expenses and et cetera, et cetera."},{"speaker":"Average Joe Finances","startTime":960.78,"endTime":963.38,"body":"And then also another piece of that too"},{"speaker":"Average Joe Finances","startTime":960.78,"endTime":963.38,"body":"is, building up that emergency fund."},{"speaker":"Average Joe Finances","startTime":963.38,"endTime":966.245,"body":"You were talking about how not"},{"speaker":"Average Joe Finances","startTime":963.38,"endTime":966.245,"body":"even just an emergency fund, but"},{"speaker":"Average Joe Finances","startTime":966.245,"endTime":967.775,"body":"also like a paid time off, right?"},{"speaker":"Average Joe Finances","startTime":967.775,"endTime":973.085,"body":"You're like, Hey, you take this, Extra,"},{"speaker":"Average Joe Finances","startTime":967.775,"endTime":973.085,"body":"what, a thousand dollars and break it up"},{"speaker":"Average Joe Finances","startTime":973.085,"endTime":976.805,"body":"into an envelope, 10 different envelopes,"},{"speaker":"Average Joe Finances","startTime":973.085,"endTime":976.805,"body":"that's 10 days off right there, right?"},{"speaker":"Average Joe Finances","startTime":976.805,"endTime":978.605,"body":"If you're making averaging"},{"speaker":"Average Joe Finances","startTime":976.805,"endTime":978.605,"body":"a hundred dollars a day."},{"speaker":"Average Joe Finances","startTime":979.025,"endTime":980.285,"body":"So that's super important."},{"speaker":"Average Joe Finances","startTime":980.355,"endTime":983.625,"body":"If, when you think about it, because"},{"speaker":"Average Joe Finances","startTime":980.355,"endTime":983.625,"body":"you're right, you're like, you're"},{"speaker":"Average Joe Finances","startTime":983.625,"endTime":985.545,"body":"not gonna get that paid time off."},{"speaker":"Average Joe Finances","startTime":986.205,"endTime":988.935,"body":"Cuz if you do, you're getting"},{"speaker":"Average Joe Finances","startTime":986.205,"endTime":988.935,"body":"what, the eight hours of what?"},{"speaker":"Average Joe Finances","startTime":988.935,"endTime":989.955,"body":"16 bucks, right?"},{"speaker":"Average Joe Finances","startTime":990.005,"endTime":994.38,"body":"And then, it's getting tax"},{"speaker":"Average Joe Finances","startTime":990.005,"endTime":994.38,"body":"anyway, and it's, what does"},{"speaker":"Average Joe Finances","startTime":994.38,"endTime":995.58,"body":"that even do for you, right?"},{"speaker":"Average Joe Finances","startTime":995.58,"endTime":998.37,"body":"Because those days that you take"},{"speaker":"Average Joe Finances","startTime":995.58,"endTime":998.37,"body":"off, you're not getting tips, you're"},{"speaker":"Average Joe Finances","startTime":998.37,"endTime":999.84,"body":"not getting anything else, right?"},{"speaker":"Average Joe Finances","startTime":1000.23,"endTime":1001.82,"body":"So it's not like that comes with it."},{"speaker":"Average Joe Finances","startTime":1002.21,"endTime":1003.675,"body":"So you have to fend for yourself."},{"speaker":"Average Joe Finances","startTime":1003.975,"endTime":1008.175,"body":"But the thing is, there is a"},{"speaker":"Average Joe Finances","startTime":1003.975,"endTime":1008.175,"body":"lot of lucrative opportunity for"},{"speaker":"Average Joe Finances","startTime":1008.18,"endTime":1011.055,"body":"people in the service industry"},{"speaker":"Average Joe Finances","startTime":1008.18,"endTime":1011.055,"body":"as well, I think personally."},{"speaker":"Average Joe Finances","startTime":1011.425,"endTime":1017.455,"body":"Because when you have those bigger days of"},{"speaker":"Average Joe Finances","startTime":1011.425,"endTime":1017.455,"body":"bigger income because you had really great"},{"speaker":"Average Joe Finances","startTime":1017.455,"endTime":1020.875,"body":"tips or anything like that, or during"},{"speaker":"Average Joe Finances","startTime":1017.455,"endTime":1020.875,"body":"your busy season, that's more money that"},{"speaker":"Average Joe Finances","startTime":1020.875,"endTime":1025.945,"body":"you can put away or put into something"},{"speaker":"Average Joe Finances","startTime":1020.875,"endTime":1025.945,"body":"that will continuously pay you like real"},{"speaker":"Average Joe Finances","startTime":1025.945,"endTime":1030.87,"body":"estate or other investments that will pay"},{"speaker":"Average Joe Finances","startTime":1025.945,"endTime":1030.87,"body":"you or even something that you wanna hold"},{"speaker":"Average Joe Finances","startTime":1030.87,"endTime":1034.57,"body":"onto into the future and eventually sell"},{"speaker":"Average Joe Finances","startTime":1030.87,"endTime":1034.57,"body":"different securities and things like that."},{"speaker":"Average Joe Finances","startTime":1034.57,"endTime":1039.485,"body":"So what would you say for somebody that's"},{"speaker":"Average Joe Finances","startTime":1034.57,"endTime":1039.485,"body":"Hey, I wanna stay in the service industry."},{"speaker":"Average Joe Finances","startTime":1040.005,"endTime":1041.175,"body":"My entire life, I love it."},{"speaker":"Average Joe Finances","startTime":1041.175,"endTime":1047.165,"body":"I love entertaining, I love, being a host"},{"speaker":"Average Joe Finances","startTime":1041.175,"endTime":1047.165,"body":"or hostess, and this is what I wanna do"},{"speaker":"Average Joe Finances","startTime":1047.165,"endTime":1051.995,"body":"cause this is my passion and I want to do"},{"speaker":"Average Joe Finances","startTime":1047.165,"endTime":1051.995,"body":"this until I'm able to comfortably retire."},{"speaker":"Average Joe Finances","startTime":1052.445,"endTime":1055.86,"body":"What would you say to somebody like"},{"speaker":"Average Joe Finances","startTime":1052.445,"endTime":1055.86,"body":"that's, that's the route they want to go?"},{"speaker":"Average Joe Finances","startTime":1056.43,"endTime":1057.72,"body":"How would they get there?"},{"speaker":"Barbara Sloan","startTime":1058.68,"endTime":1059.01,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1059.01,"endTime":1063.28,"body":"I love this question because during the"},{"speaker":"Barbara Sloan","startTime":1059.01,"endTime":1063.28,"body":"research for the book and everything, the."},{"speaker":"Barbara Sloan","startTime":1063.67,"endTime":1065.35,"body":"Only time I came across peop."},{"speaker":"Barbara Sloan","startTime":1065.38,"endTime":1070.92,"body":"I interviewed tons, hundreds of sips,"},{"speaker":"Barbara Sloan","startTime":1065.38,"endTime":1070.92,"body":"and the only time I talked to people"},{"speaker":"Barbara Sloan","startTime":1070.92,"endTime":1072.96,"body":"who had sought out financial advice."},{"speaker":"Barbara Sloan","startTime":1073.47,"endTime":1076.05,"body":"The advice that they received"},{"speaker":"Barbara Sloan","startTime":1073.47,"endTime":1076.05,"body":"was to get out of the industry."},{"speaker":"Barbara Sloan","startTime":1076.98,"endTime":1079.38,"body":"And I'm just like, that"},{"speaker":"Barbara Sloan","startTime":1076.98,"endTime":1079.38,"body":"is terrible advice."},{"speaker":"Barbara Sloan","startTime":1079.59,"endTime":1082.98,"body":"We are taking people who are this close"},{"speaker":"Barbara Sloan","startTime":1079.59,"endTime":1082.98,"body":"to finally getting some good advice that"},{"speaker":"Barbara Sloan","startTime":1082.98,"endTime":1086.52,"body":"they can model and take back and share"},{"speaker":"Barbara Sloan","startTime":1082.98,"endTime":1086.52,"body":"with their peers, and we're shipping them"},{"speaker":"Barbara Sloan","startTime":1086.52,"endTime":1089.25,"body":"up to other industries without exploring."},{"speaker":"Barbara Sloan","startTime":1089.835,"endTime":1093.015,"body":"Environmental controls, financial"},{"speaker":"Barbara Sloan","startTime":1089.835,"endTime":1093.015,"body":"systems, or other things that"},{"speaker":"Barbara Sloan","startTime":1093.015,"endTime":1095.865,"body":"they can implement prior to"},{"speaker":"Barbara Sloan","startTime":1093.015,"endTime":1095.865,"body":"abandoning a career they may enjoy."},{"speaker":"Barbara Sloan","startTime":1095.865,"endTime":1102.165,"body":"So I love that you're asking this because"},{"speaker":"Barbara Sloan","startTime":1095.865,"endTime":1102.165,"body":"it's totally possible to have a career in"},{"speaker":"Barbara Sloan","startTime":1102.165,"endTime":1104.745,"body":"this industry and to retire comfortably."},{"speaker":"Barbara Sloan","startTime":1105.495,"endTime":1109.065,"body":"The first thing I always like to talk"},{"speaker":"Barbara Sloan","startTime":1105.495,"endTime":1109.065,"body":"about, to give people hope, is that"},{"speaker":"Barbara Sloan","startTime":1110.385,"endTime":1117.24,"body":"when you're a lower earner, Need to save"},{"speaker":"Barbara Sloan","startTime":1110.385,"endTime":1117.24,"body":"and invest for a six figure retirement."},{"speaker":"Barbara Sloan","startTime":1117.75,"endTime":1120.51,"body":"People who are earning and spending"},{"speaker":"Barbara Sloan","startTime":1117.75,"endTime":1120.51,"body":"six figures, they have more that"},{"speaker":"Barbara Sloan","startTime":1120.51,"endTime":1123.33,"body":"they have to save because they're"},{"speaker":"Barbara Sloan","startTime":1120.51,"endTime":1123.33,"body":"compensating for a bigger lifestyle."},{"speaker":"Barbara Sloan","startTime":1123.33,"endTime":1128.13,"body":"If you're a lower middle income earner,"},{"speaker":"Barbara Sloan","startTime":1123.33,"endTime":1128.13,"body":"it is just as easy for you to set"},{"speaker":"Barbara Sloan","startTime":1128.13,"endTime":1131.74,"body":"up a low to middle income retirement"},{"speaker":"Barbara Sloan","startTime":1128.13,"endTime":1131.74,"body":"for yourself because you don't have"},{"speaker":"Barbara Sloan","startTime":1131.74,"endTime":1134.14,"body":"to try to replicate six figures."},{"speaker":"Barbara Sloan","startTime":1134.385,"endTime":1136.005,"body":"That's not the lifestyle"},{"speaker":"Barbara Sloan","startTime":1134.385,"endTime":1136.005,"body":"that you're living."},{"speaker":"Barbara Sloan","startTime":1136.065,"endTime":1140.025,"body":"And so in some ways I like to point that"},{"speaker":"Barbara Sloan","startTime":1136.065,"endTime":1140.025,"body":"out because I think that makes people"},{"speaker":"Barbara Sloan","startTime":1140.025,"endTime":1143.275,"body":"feel like there's a little bit of a level"},{"speaker":"Barbara Sloan","startTime":1140.025,"endTime":1143.275,"body":"playing field and there's hope for them."},{"speaker":"Barbara Sloan","startTime":1143.515,"endTime":1146.845,"body":"I think in the personal finance"},{"speaker":"Barbara Sloan","startTime":1143.515,"endTime":1146.845,"body":"space, we all love that $40,000 a"},{"speaker":"Barbara Sloan","startTime":1146.845,"endTime":1150.54,"body":"year janitor that retired on the East"},{"speaker":"Barbara Sloan","startTime":1146.845,"endTime":1150.54,"body":"coast and he ended up with $8 million"},{"speaker":"Barbara Sloan","startTime":1150.54,"endTime":1151.65,"body":"in his bank account or something."},{"speaker":"Barbara Sloan","startTime":1152.19,"endTime":1156.27,"body":"Cuz he's just another example of"},{"speaker":"Barbara Sloan","startTime":1152.19,"endTime":1156.27,"body":"it's totally possible to be a low and"},{"speaker":"Barbara Sloan","startTime":1156.27,"endTime":1158.58,"body":"middle income earner and to retire."},{"speaker":"Barbara Sloan","startTime":1158.58,"endTime":1163.39,"body":"But the thing he had"},{"speaker":"Barbara Sloan","startTime":1158.58,"endTime":1163.39,"body":"going for him was, Player."},{"speaker":"Barbara Sloan","startTime":1163.72,"endTime":1166.87,"body":"Those systems for people in this"},{"speaker":"Barbara Sloan","startTime":1163.72,"endTime":1166.87,"body":"industry, we have to replicate ourselves."},{"speaker":"Barbara Sloan","startTime":1167.17,"endTime":1171.76,"body":"So when we're talking about investing,"},{"speaker":"Barbara Sloan","startTime":1167.17,"endTime":1171.76,"body":"people don't have access to quote"},{"speaker":"Barbara Sloan","startTime":1171.76,"endTime":1173.35,"body":"unquote a retirement account."},{"speaker":"Barbara Sloan","startTime":1173.92,"endTime":1177.28,"body":"And the only reasons things are called"},{"speaker":"Barbara Sloan","startTime":1173.92,"endTime":1177.28,"body":"retirement accounts in the first place"},{"speaker":"Barbara Sloan","startTime":1177.28,"endTime":1180.58,"body":"is because they're tax advantaged and"},{"speaker":"Barbara Sloan","startTime":1177.28,"endTime":1180.58,"body":"they have that separate set of rules."},{"speaker":"Barbara Sloan","startTime":1180.85,"endTime":1185.38,"body":"But you can retire out of a brokerage"},{"speaker":"Barbara Sloan","startTime":1180.85,"endTime":1185.38,"body":"account, you can retire out of a"},{"speaker":"Barbara Sloan","startTime":1185.38,"endTime":1190.0,"body":"savings, high yield savings account,"},{"speaker":"Barbara Sloan","startTime":1185.38,"endTime":1190.0,"body":"you can retire out of a IRA."},{"speaker":"Barbara Sloan","startTime":1190.21,"endTime":1194.25,"body":"So I think a lot of people in this"},{"speaker":"Barbara Sloan","startTime":1190.21,"endTime":1194.25,"body":"industry, Don't know that you can"},{"speaker":"Barbara Sloan","startTime":1194.25,"endTime":1198.96,"body":"set up your own retirement accounts,"},{"speaker":"Barbara Sloan","startTime":1194.25,"endTime":1198.96,"body":"call them whatever you want."},{"speaker":"Barbara Sloan","startTime":1198.99,"endTime":1200.49,"body":"They're your retirement accounts."},{"speaker":"Barbara Sloan","startTime":1200.49,"endTime":1203.31,"body":"They may not be as tax advantaged,"},{"speaker":"Barbara Sloan","startTime":1200.49,"endTime":1203.31,"body":"but on the other side of it,"},{"speaker":"Barbara Sloan","startTime":1203.61,"endTime":1204.63,"body":"there's also other perks."},{"speaker":"Barbara Sloan","startTime":1204.64,"endTime":1206.77,"body":"You have quicker access"},{"speaker":"Barbara Sloan","startTime":1204.64,"endTime":1206.77,"body":"to it if you need to."},{"speaker":"Barbara Sloan","startTime":1206.77,"endTime":1210.175,"body":"You could retire before you hit,"},{"speaker":"Barbara Sloan","startTime":1206.77,"endTime":1210.175,"body":"retire traditional retirement age."},{"speaker":"Barbara Sloan","startTime":1210.795,"endTime":1215.915,"body":"So I like to encourage people that they"},{"speaker":"Barbara Sloan","startTime":1210.795,"endTime":1215.915,"body":"have a lot of options for retirement."},{"speaker":"Barbara Sloan","startTime":1216.36,"endTime":1218.94,"body":"Staying in this industry,"},{"speaker":"Barbara Sloan","startTime":1216.36,"endTime":1218.94,"body":"it's totally possible."},{"speaker":"Barbara Sloan","startTime":1219.36,"endTime":1222.72,"body":"One, the first thing I always tell people"},{"speaker":"Barbara Sloan","startTime":1219.36,"endTime":1222.72,"body":"to put in place is an emergency fund."},{"speaker":"Barbara Sloan","startTime":1223.71,"endTime":1226.62,"body":"When you are in this industry,"},{"speaker":"Barbara Sloan","startTime":1223.71,"endTime":1226.62,"body":"there is a power imbalance."},{"speaker":"Barbara Sloan","startTime":1226.86,"endTime":1229.2,"body":"You are waiting on somebody"},{"speaker":"Barbara Sloan","startTime":1226.86,"endTime":1229.2,"body":"that you don't know."},{"speaker":"Barbara Sloan","startTime":1229.53,"endTime":1232.62,"body":"They are your miniature boss for an"},{"speaker":"Barbara Sloan","startTime":1229.53,"endTime":1232.62,"body":"hour or whatever, and they're your"},{"speaker":"Barbara Sloan","startTime":1232.62,"endTime":1234.031,"body":"new boss and you have to train them."},{"speaker":"Barbara Sloan","startTime":1234.5,"endTime":1236.97,"body":"And, but there's that power and balance."},{"speaker":"Barbara Sloan","startTime":1236.97,"endTime":1239.61,"body":"And so if you don't have an"},{"speaker":"Barbara Sloan","startTime":1236.97,"endTime":1239.61,"body":"emergency fund or some savings"},{"speaker":"Barbara Sloan","startTime":1239.61,"endTime":1244.5,"body":"set aside, then you become totally"},{"speaker":"Barbara Sloan","startTime":1239.61,"endTime":1244.5,"body":"reliant on a singular person's tip."},{"speaker":"Barbara Sloan","startTime":1244.845,"endTime":1248.655,"body":"And that can put you in some really"},{"speaker":"Barbara Sloan","startTime":1244.845,"endTime":1248.655,"body":"unsafe and unwelcome environments."},{"speaker":"Barbara Sloan","startTime":1248.655,"endTime":1251.945,"body":"And so one of the things and this is the"},{"speaker":"Barbara Sloan","startTime":1248.655,"endTime":1251.945,"body":"other thing I like to point out to people"},{"speaker":"Barbara Sloan","startTime":1251.945,"endTime":1255.995,"body":"in the service industry is that everyone"},{"speaker":"Barbara Sloan","startTime":1251.945,"endTime":1255.995,"body":"has to save for their emergency fund."},{"speaker":"Barbara Sloan","startTime":1256.385,"endTime":1259.415,"body":"That is not a benefit that you're"},{"speaker":"Barbara Sloan","startTime":1256.385,"endTime":1259.415,"body":"missing out on by being in this industry."},{"speaker":"Barbara Sloan","startTime":1259.415,"endTime":1261.305,"body":"We all start from zero there too."},{"speaker":"Barbara Sloan","startTime":1261.575,"endTime":1264.87,"body":"And but it's more important for you"},{"speaker":"Barbara Sloan","startTime":1261.575,"endTime":1264.87,"body":"in this industry as well because."},{"speaker":"Barbara Sloan","startTime":1265.135,"endTime":1268.115,"body":"You are put in those situations where"},{"speaker":"Barbara Sloan","startTime":1265.135,"endTime":1268.115,"body":"you need to keep yourself safe and"},{"speaker":"Barbara Sloan","startTime":1268.115,"endTime":1270.815,"body":"make sure that you're not saying yes"},{"speaker":"Barbara Sloan","startTime":1268.115,"endTime":1270.815,"body":"to requests that you would rather"},{"speaker":"Barbara Sloan","startTime":1270.815,"endTime":1274.295,"body":"say no to, so that's one of the"},{"speaker":"Barbara Sloan","startTime":1270.815,"endTime":1274.295,"body":"first things we put in place as well."},{"speaker":"Average Joe Finances","startTime":1275.045,"endTime":1276.16,"body":"Yeah, no that's great."},{"speaker":"Average Joe Finances","startTime":1276.38,"endTime":1279.38,"body":"Yeah, everybody should have an"},{"speaker":"Average Joe Finances","startTime":1276.38,"endTime":1279.38,"body":"emergency fund, but it's more"},{"speaker":"Average Joe Finances","startTime":1279.38,"endTime":1281.24,"body":"important in this particular industry."},{"speaker":"Average Joe Finances","startTime":1281.245,"endTime":1282.02,"body":"Yeah, for sure."},{"speaker":"Average Joe Finances","startTime":1282.53,"endTime":1282.92,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1283.02,"endTime":1290.44,"body":"Now what are some what do you see are"},{"speaker":"Average Joe Finances","startTime":1283.02,"endTime":1290.44,"body":"like the common I guess hazards or things"},{"speaker":"Average Joe Finances","startTime":1290.44,"endTime":1295.03,"body":"that people see in this industry that"},{"speaker":"Average Joe Finances","startTime":1290.44,"endTime":1295.03,"body":"kind of sabotage their financial goals."},{"speaker":"Barbara Sloan","startTime":1296.62,"endTime":1299.41,"body":"Environment"},{"speaker":"Barbara Sloan","startTime":1296.62,"endTime":1299.41,"body":"is probably the first one."},{"speaker":"Barbara Sloan","startTime":1299.65,"endTime":1301.24,"body":"I'm in construction as well."},{"speaker":"Barbara Sloan","startTime":1301.24,"endTime":1304.04,"body":"And there's an organization"},{"speaker":"Barbara Sloan","startTime":1301.24,"endTime":1304.04,"body":"in construction called OSHA."},{"speaker":"Barbara Sloan","startTime":1304.46,"endTime":1308.36,"body":"And OSHA is designed to help"},{"speaker":"Barbara Sloan","startTime":1304.46,"endTime":1308.36,"body":"workers prevent workplace"},{"speaker":"Barbara Sloan","startTime":1308.36,"endTime":1309.74,"body":"injuries and workplace deaths."},{"speaker":"Barbara Sloan","startTime":1309.74,"endTime":1312.08,"body":"And what they did was something"},{"speaker":"Barbara Sloan","startTime":1309.74,"endTime":1312.08,"body":"really unique at the time."},{"speaker":"Barbara Sloan","startTime":1312.35,"endTime":1315.53,"body":"They trained the workforce and they"},{"speaker":"Barbara Sloan","startTime":1312.35,"endTime":1315.53,"body":"changed the industry from within."},{"speaker":"Barbara Sloan","startTime":1316.07,"endTime":1320.89,"body":"And so to me that's the same thing I'm"},{"speaker":"Barbara Sloan","startTime":1316.07,"endTime":1320.89,"body":"trying to do is to talk to the workers"},{"speaker":"Barbara Sloan","startTime":1320.89,"endTime":1322.18,"body":"and change the industry firm within."},{"speaker":"Barbara Sloan","startTime":1322.18,"endTime":1323.86,"body":"But you have to start with environment."},{"speaker":"Barbara Sloan","startTime":1324.28,"endTime":1326.23,"body":"Every workplace has hazards."},{"speaker":"Barbara Sloan","startTime":1326.23,"endTime":1331.42,"body":"You just have to get trained on"},{"speaker":"Barbara Sloan","startTime":1326.23,"endTime":1331.42,"body":"them most in on their hazards."},{"speaker":"Barbara Sloan","startTime":1331.42,"endTime":1334.24,"body":"This is an industry that doesn't"},{"speaker":"Barbara Sloan","startTime":1331.42,"endTime":1334.24,"body":"train its workers on the hazards."},{"speaker":"Barbara Sloan","startTime":1334.51,"endTime":1337.95,"body":"So some of the hazards that are included"},{"speaker":"Barbara Sloan","startTime":1334.51,"endTime":1337.95,"body":"in this industry are your guests."},{"speaker":"Barbara Sloan","startTime":1338.8,"endTime":1341.055,"body":"The people you are waiting on are hazard."},{"speaker":"Barbara Sloan","startTime":1341.325,"endTime":1343.485,"body":"They can chip at your confidence, right?"},{"speaker":"Barbara Sloan","startTime":1343.485,"endTime":1346.815,"body":"Like how many times have people in the"},{"speaker":"Barbara Sloan","startTime":1343.485,"endTime":1346.815,"body":"industry heard, what's your real job?"},{"speaker":"Barbara Sloan","startTime":1347.025,"endTime":1348.105,"body":"What else are you doing?"},{"speaker":"Barbara Sloan","startTime":1348.135,"endTime":1349.755,"body":"What's next after this, right?"},{"speaker":"Barbara Sloan","startTime":1349.755,"endTime":1351.495,"body":"They will chip away at your confidence."},{"speaker":"Barbara Sloan","startTime":1351.495,"endTime":1355.245,"body":"If you don't protect your energy,"},{"speaker":"Barbara Sloan","startTime":1351.495,"endTime":1355.245,"body":"protect yourself from them."},{"speaker":"Barbara Sloan","startTime":1355.25,"endTime":1360.945,"body":"Another hazard in the industry, alcohol"},{"speaker":"Barbara Sloan","startTime":1355.25,"endTime":1360.945,"body":"substances, you are in the constant."},{"speaker":"Barbara Sloan","startTime":1361.335,"endTime":1365.385,"body":"You're in an environment that is exposed"},{"speaker":"Barbara Sloan","startTime":1361.335,"endTime":1365.385,"body":"to constant alcohol and substance use,"},{"speaker":"Barbara Sloan","startTime":1365.805,"endTime":1369.525,"body":"and so you need to remember that's just"},{"speaker":"Barbara Sloan","startTime":1365.805,"endTime":1369.525,"body":"not everybody's lifestyle at all times."},{"speaker":"Barbara Sloan","startTime":1369.555,"endTime":1373.66,"body":"You're just constantly exposed to it, so"},{"speaker":"Barbara Sloan","startTime":1369.555,"endTime":1373.66,"body":"you need to be aware of the fact that's"},{"speaker":"Barbara Sloan","startTime":1373.665,"endTime":1375.33,"body":"gonna be in your environment at all times."},{"speaker":"Barbara Sloan","startTime":1377.05,"endTime":1379.81,"body":"The other thing can be health wellness."},{"speaker":"Barbara Sloan","startTime":1379.81,"endTime":1382.45,"body":"Like I can't tell you how many shifts"},{"speaker":"Barbara Sloan","startTime":1379.81,"endTime":1382.45,"body":"I worked where I didn't go to the"},{"speaker":"Barbara Sloan","startTime":1382.45,"endTime":1384.4,"body":"bathroom, I didn't drink any water."},{"speaker":"Barbara Sloan","startTime":1384.7,"endTime":1387.97,"body":"I didn't get a good night's rest"},{"speaker":"Barbara Sloan","startTime":1384.7,"endTime":1387.97,"body":"because I stayed out late having a"},{"speaker":"Barbara Sloan","startTime":1387.97,"endTime":1389.62,"body":"good time after my previous shift."},{"speaker":"Barbara Sloan","startTime":1390.16,"endTime":1392.69,"body":"So those are some of the most"},{"speaker":"Barbara Sloan","startTime":1390.16,"endTime":1392.69,"body":"common hazards that I see."},{"speaker":"Barbara Sloan","startTime":1392.695,"endTime":1396.53,"body":"I also see with that lack of financial"},{"speaker":"Barbara Sloan","startTime":1392.695,"endTime":1396.53,"body":"literacy, a lot of people don't"},{"speaker":"Barbara Sloan","startTime":1396.53,"endTime":1402.17,"body":"have some of these rules of thumb"},{"speaker":"Barbara Sloan","startTime":1396.53,"endTime":1402.17,"body":"as far as what they're spending"},{"speaker":"Barbara Sloan","startTime":1402.17,"endTime":1403.52,"body":"their money on after a shift."},{"speaker":"Barbara Sloan","startTime":1403.775,"endTime":1406.265,"body":"So we all talk in the personal"},{"speaker":"Barbara Sloan","startTime":1403.775,"endTime":1406.265,"body":"finance space about the cost"},{"speaker":"Barbara Sloan","startTime":1406.265,"endTime":1407.975,"body":"of working in this industry."},{"speaker":"Barbara Sloan","startTime":1407.975,"endTime":1410.225,"body":"There's a cost to winding"},{"speaker":"Barbara Sloan","startTime":1407.975,"endTime":1410.225,"body":"down After a shift."},{"speaker":"Barbara Sloan","startTime":1410.765,"endTime":1414.545,"body":"You leave a shift more energized"},{"speaker":"Barbara Sloan","startTime":1410.765,"endTime":1414.545,"body":"than when you started, right?"},{"speaker":"Barbara Sloan","startTime":1414.545,"endTime":1415.865,"body":"You had some big rushes."},{"speaker":"Barbara Sloan","startTime":1415.865,"endTime":1418.32,"body":"You didn't get to talk to your"},{"speaker":"Barbara Sloan","startTime":1415.865,"endTime":1418.32,"body":"fellow workers because you were so"},{"speaker":"Barbara Sloan","startTime":1418.32,"endTime":1421.59,"body":"busy and now you just wanna go and"},{"speaker":"Barbara Sloan","startTime":1418.32,"endTime":1421.59,"body":"burn off some steam and have a few"},{"speaker":"Barbara Sloan","startTime":1421.595,"endTime":1423.15,"body":"drinks and order some queso dip."},{"speaker":"Barbara Sloan","startTime":1423.15,"endTime":1426.45,"body":"And there you just spent"},{"speaker":"Barbara Sloan","startTime":1423.15,"endTime":1426.45,"body":"50% of what you just made."},{"speaker":"Barbara Sloan","startTime":1426.72,"endTime":1429.36,"body":"It exited your life moments"},{"speaker":"Barbara Sloan","startTime":1426.72,"endTime":1429.36,"body":"after it entered it."},{"speaker":"Barbara Sloan","startTime":1429.36,"endTime":1429.925,"body":"And Yeah."},{"speaker":"Barbara Sloan","startTime":1429.925,"endTime":1432.985,"body":"So those are some of the"},{"speaker":"Barbara Sloan","startTime":1429.925,"endTime":1432.985,"body":"bigger hazards that I see."},{"speaker":"Average Joe Finances","startTime":1433.885,"endTime":1435.745,"body":"Yeah, that,"},{"speaker":"Average Joe Finances","startTime":1433.885,"endTime":1435.745,"body":"that could be dangerous right there."},{"speaker":"Average Joe Finances","startTime":1435.745,"endTime":1439.115,"body":"Oh man, I work so hard, I'm"},{"speaker":"Average Joe Finances","startTime":1435.745,"endTime":1439.115,"body":"gonna go out I earned this."},{"speaker":"Average Joe Finances","startTime":1439.115,"endTime":1443.48,"body":"You tell yourself in your head, I earned"},{"speaker":"Average Joe Finances","startTime":1439.115,"endTime":1443.48,"body":"this, I'm gonna yolo, spend this money."},{"speaker":"Average Joe Finances","startTime":1443.48,"endTime":1443.57,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":1443.57,"endTime":1444.38,"body":"Cuz I earned this."},{"speaker":"Barbara Sloan","startTime":1444.58,"endTime":1444.795,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1444.815,"endTime":1446.015,"body":"And when you walk out of a shift, yeah."},{"speaker":"Barbara Sloan","startTime":1446.055,"endTime":1449.175,"body":"You have to remember you are"},{"speaker":"Barbara Sloan","startTime":1446.055,"endTime":1449.175,"body":"walking out with gross numbers cuz"},{"speaker":"Barbara Sloan","startTime":1449.175,"endTime":1450.465,"body":"you're a business owner now, right?"},{"speaker":"Barbara Sloan","startTime":1450.465,"endTime":1450.466,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1450.471,"endTime":1451.486,"body":"You're walking out with gross numbers."},{"speaker":"Barbara Sloan","startTime":1451.491,"endTime":1454.755,"body":"Whereas nine to five, Jason,"},{"speaker":"Barbara Sloan","startTime":1451.491,"endTime":1454.755,"body":"who's rolling up to the bar,"},{"speaker":"Barbara Sloan","startTime":1454.755,"endTime":1456.045,"body":"he's dealing with net numbers."},{"speaker":"Barbara Sloan","startTime":1456.525,"endTime":1458.115,"body":"Your money is not the same."},{"speaker":"Barbara Sloan","startTime":1458.775,"endTime":1462.105,"body":"So it's very important to keep"},{"speaker":"Barbara Sloan","startTime":1458.775,"endTime":1462.105,"body":"some of those things in mind."},{"speaker":"Average Joe Finances","startTime":1463.26,"endTime":1463.92,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":1463.96,"endTime":1465.82,"body":"I'm really glad you pointed that out too."},{"speaker":"Average Joe Finances","startTime":1465.88,"endTime":1470.66,"body":"Cause I feel like, and this could"},{"speaker":"Average Joe Finances","startTime":1465.88,"endTime":1470.66,"body":"be anybody in any situation that,"},{"speaker":"Average Joe Finances","startTime":1470.66,"endTime":1472.76,"body":"you have a hard day at work, you're"},{"speaker":"Average Joe Finances","startTime":1470.66,"endTime":1472.76,"body":"like, ah, I'm just, I need to go"},{"speaker":"Average Joe Finances","startTime":1472.76,"endTime":1473.96,"body":"blow off some steam or whatever."},{"speaker":"Average Joe Finances","startTime":1474.23,"endTime":1478.4,"body":"But again, the difference is, like"},{"speaker":"Average Joe Finances","startTime":1474.23,"endTime":1478.4,"body":"you said, the nine to five persons"},{"speaker":"Average Joe Finances","startTime":1478.4,"endTime":1480.98,"body":"coming in with those net numbers,"},{"speaker":"Average Joe Finances","startTime":1478.4,"endTime":1480.98,"body":"you're coming in with those gross"},{"speaker":"Average Joe Finances","startTime":1481.31,"endTime":1483.83,"body":"numbers and like literally you're"},{"speaker":"Average Joe Finances","startTime":1481.31,"endTime":1483.83,"body":"spending the money that you just"},{"speaker":"Average Joe Finances","startTime":1483.83,"endTime":1486.38,"body":"earned that day, literally an hour ago."},{"speaker":"Average Joe Finances","startTime":1486.8,"endTime":1487.79,"body":"And you just."},{"speaker":"Average Joe Finances","startTime":1488.6,"endTime":1492.68,"body":"Used half of it because you felt"},{"speaker":"Average Joe Finances","startTime":1488.6,"endTime":1492.68,"body":"super energized for having such an"},{"speaker":"Average Joe Finances","startTime":1492.68,"endTime":1495.83,"body":"awesome day and you're like, yeah,"},{"speaker":"Average Joe Finances","startTime":1492.68,"endTime":1495.83,"body":"I'm gonna, I earned this a again,"},{"speaker":"Average Joe Finances","startTime":1496.31,"endTime":1500.25,"body":"yeah, that, that could be a mindset"},{"speaker":"Average Joe Finances","startTime":1496.31,"endTime":1500.25,"body":"that could be really tough to break."},{"speaker":"Average Joe Finances","startTime":1500.64,"endTime":1502.715,"body":"So actually I wanna ask you about"},{"speaker":"Average Joe Finances","startTime":1500.64,"endTime":1502.715,"body":"that too, cause I know mindset"},{"speaker":"Average Joe Finances","startTime":1503.195,"endTime":1505.535,"body":"has to be a big piece of this."},{"speaker":"Average Joe Finances","startTime":1505.535,"endTime":1508.805,"body":"So how does somebody in"},{"speaker":"Average Joe Finances","startTime":1505.535,"endTime":1508.805,"body":"this service industry."},{"speaker":"Average Joe Finances","startTime":1509.22,"endTime":1514.24,"body":"Have the right mindset to not do"},{"speaker":"Average Joe Finances","startTime":1509.22,"endTime":1514.24,"body":"those things and to de discipline"},{"speaker":"Average Joe Finances","startTime":1514.24,"endTime":1518.21,"body":"themself to not, yolo their money"},{"speaker":"Average Joe Finances","startTime":1514.24,"endTime":1518.21,"body":"away when they had a great day."},{"speaker":"Barbara Sloan","startTime":1518.99,"endTime":1519.47,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1519.53,"endTime":1521.79,"body":"So there's two approaches"},{"speaker":"Barbara Sloan","startTime":1519.53,"endTime":1521.79,"body":"to self-care, right?"},{"speaker":"Barbara Sloan","startTime":1521.79,"endTime":1524.28,"body":"There's proactive and there's reactive."},{"speaker":"Barbara Sloan","startTime":1524.38,"endTime":1527.61,"body":"And the reason that I love talking"},{"speaker":"Barbara Sloan","startTime":1524.38,"endTime":1527.61,"body":"about proactive self-care is"},{"speaker":"Barbara Sloan","startTime":1527.61,"endTime":1531.2,"body":"because a lot of proactive self-care"},{"speaker":"Barbara Sloan","startTime":1527.61,"endTime":1531.2,"body":"leads to an abundance mindset."},{"speaker":"Barbara Sloan","startTime":1532.03,"endTime":1535.485,"body":"One of my favorite things, To"},{"speaker":"Barbara Sloan","startTime":1532.03,"endTime":1535.485,"body":"help people who are in the service"},{"speaker":"Barbara Sloan","startTime":1535.485,"endTime":1537.645,"body":"industry is to talk about meditation."},{"speaker":"Barbara Sloan","startTime":1537.915,"endTime":1541.035,"body":"I love meditation, not because"},{"speaker":"Barbara Sloan","startTime":1537.915,"endTime":1541.035,"body":"it's woowoo, not because it's,"},{"speaker":"Barbara Sloan","startTime":1541.035,"endTime":1544.605,"body":"mindfulness, meditation does two"},{"speaker":"Barbara Sloan","startTime":1541.035,"endTime":1544.605,"body":"things for people in the industry."},{"speaker":"Barbara Sloan","startTime":1544.725,"endTime":1547.755,"body":"One, it teaches you patience"},{"speaker":"Barbara Sloan","startTime":1544.725,"endTime":1547.755,"body":"and you need patience."},{"speaker":"Barbara Sloan","startTime":1547.875,"endTime":1551.055,"body":"That is a tool in your toolbox in"},{"speaker":"Barbara Sloan","startTime":1547.875,"endTime":1551.055,"body":"this industry that is a resource that"},{"speaker":"Barbara Sloan","startTime":1551.06,"endTime":1552.355,"body":"you need in order to be successful."},{"speaker":"Barbara Sloan","startTime":1553.005,"endTime":1554.745,"body":"The second thing it does is it interrupt."},{"speaker":"Barbara Sloan","startTime":1554.745,"endTime":1556.815,"body":"It allows you to interrupt"},{"speaker":"Barbara Sloan","startTime":1554.745,"endTime":1556.815,"body":"your thought process."},{"speaker":"Barbara Sloan","startTime":1557.12,"endTime":1558.38,"body":"Oh, I'm having a bad day."},{"speaker":"Barbara Sloan","startTime":1558.38,"endTime":1559.49,"body":"I don't really feel great."},{"speaker":"Barbara Sloan","startTime":1559.49,"endTime":1561.68,"body":"Maybe I'll take the first cut"},{"speaker":"Barbara Sloan","startTime":1559.49,"endTime":1561.68,"body":"position instead of staying"},{"speaker":"Barbara Sloan","startTime":1561.68,"endTime":1563.48,"body":"for my entire shift, right?"},{"speaker":"Barbara Sloan","startTime":1563.48,"endTime":1566.63,"body":"Where if you can learn to interrupt some"},{"speaker":"Barbara Sloan","startTime":1563.48,"endTime":1566.63,"body":"of those negative talks or interrupt"},{"speaker":"Barbara Sloan","startTime":1566.63,"endTime":1571.49,"body":"some of your guests negative talk, get"},{"speaker":"Barbara Sloan","startTime":1566.63,"endTime":1571.49,"body":"over the hurdle of maybe a bad table"},{"speaker":"Barbara Sloan","startTime":1571.49,"endTime":1574.551,"body":"or a bad guest experience, then you"},{"speaker":"Barbara Sloan","startTime":1571.49,"endTime":1574.551,"body":"can get yourself back in the game."},{"speaker":"Barbara Sloan","startTime":1574.6,"endTime":1578.23,"body":"And Meditation is one of those"},{"speaker":"Barbara Sloan","startTime":1574.6,"endTime":1578.23,"body":"proactive self-care things that"},{"speaker":"Barbara Sloan","startTime":1578.23,"endTime":1580.75,"body":"I like to talk to people about"},{"speaker":"Barbara Sloan","startTime":1578.23,"endTime":1580.75,"body":"who work in the service industry."},{"speaker":"Barbara Sloan","startTime":1581.18,"endTime":1584.36,"body":"There are other ways that you can build"},{"speaker":"Barbara Sloan","startTime":1581.18,"endTime":1584.36,"body":"an abundance mindset and you need an"},{"speaker":"Barbara Sloan","startTime":1584.36,"endTime":1586.135,"body":"abundance mindset in this industry."},{"speaker":"Barbara Sloan","startTime":1586.375,"endTime":1590.595,"body":"I have four strategies that I like"},{"speaker":"Barbara Sloan","startTime":1586.375,"endTime":1590.595,"body":"to recommend because they're free and"},{"speaker":"Barbara Sloan","startTime":1590.6,"endTime":1591.885,"body":"I love starting with mindset work."},{"speaker":"Average Joe Finances","startTime":1592.215,"endTime":1593.595,"body":"That's"},{"speaker":"Average Joe Finances","startTime":1592.215,"endTime":1593.595,"body":"my favorite price, by the way."},{"speaker":"Average Joe Finances","startTime":1593.6,"endTime":1593.805,"body":"Free."},{"speaker":"Barbara Sloan","startTime":1594.065,"endTime":1594.285,"body":"Yes."},{"speaker":"Barbara Sloan","startTime":1596.085,"endTime":1599.475,"body":"I love starting with mindset work because"},{"speaker":"Barbara Sloan","startTime":1596.085,"endTime":1599.475,"body":"if you're somebody who can't make some"},{"speaker":"Barbara Sloan","startTime":1599.475,"endTime":1603.465,"body":"of those big financial shifts right"},{"speaker":"Barbara Sloan","startTime":1599.475,"endTime":1603.465,"body":"away, you can work on the mindset stuff."},{"speaker":"Barbara Sloan","startTime":1604.005,"endTime":1606.645,"body":"You have the resources to"},{"speaker":"Barbara Sloan","startTime":1604.005,"endTime":1606.645,"body":"work on the mindset stuff."},{"speaker":"Barbara Sloan","startTime":1606.645,"endTime":1609.525,"body":"So my first favorite thing"},{"speaker":"Barbara Sloan","startTime":1606.645,"endTime":1609.525,"body":"to do for mindset is mantras."},{"speaker":"Barbara Sloan","startTime":1610.115,"endTime":1612.945,"body":"My favorite mantra when I was in"},{"speaker":"Barbara Sloan","startTime":1610.115,"endTime":1612.945,"body":"the service industry was money comes"},{"speaker":"Barbara Sloan","startTime":1612.945,"endTime":1615.305,"body":"easily and frequently because it did."},{"speaker":"Barbara Sloan","startTime":1615.365,"endTime":1618.905,"body":"It always came easily and frequently"},{"speaker":"Barbara Sloan","startTime":1615.365,"endTime":1618.905,"body":"and mantras need to be something"},{"speaker":"Barbara Sloan","startTime":1618.965,"endTime":1621.095,"body":"where possibility meets truth."},{"speaker":"Barbara Sloan","startTime":1621.68,"endTime":1624.41,"body":"So it has to have a little bit of truth,"},{"speaker":"Barbara Sloan","startTime":1621.68,"endTime":1624.41,"body":"and it has to have a little bit of"},{"speaker":"Barbara Sloan","startTime":1624.41,"endTime":1628.52,"body":"possibility and use those two things to"},{"speaker":"Barbara Sloan","startTime":1624.41,"endTime":1628.52,"body":"find a great mantra that works for you."},{"speaker":"Barbara Sloan","startTime":1629.21,"endTime":1630.62,"body":"The second one is identity."},{"speaker":"Barbara Sloan","startTime":1631.46,"endTime":1636.355,"body":"Identity is, this one can be tricky"},{"speaker":"Barbara Sloan","startTime":1631.46,"endTime":1636.355,"body":"because some people can say oh,"},{"speaker":"Barbara Sloan","startTime":1636.355,"endTime":1638.665,"body":"I wanna be a rich person, so I'm"},{"speaker":"Barbara Sloan","startTime":1636.355,"endTime":1638.665,"body":"gonna spend like a rich person."},{"speaker":"Barbara Sloan","startTime":1639.865,"endTime":1642.025,"body":"That one's not, that's"},{"speaker":"Barbara Sloan","startTime":1639.865,"endTime":1642.025,"body":"not gonna work, right?"},{"speaker":"Barbara Sloan","startTime":1642.025,"endTime":1643.345,"body":"But are you a saver?"},{"speaker":"Barbara Sloan","startTime":1643.675,"endTime":1644.635,"body":"Are you saving money?"},{"speaker":"Barbara Sloan","startTime":1644.635,"endTime":1645.715,"body":"Therefore you're a saver?"},{"speaker":"Barbara Sloan","startTime":1645.985,"endTime":1647.035,"body":"Are you investing?"},{"speaker":"Barbara Sloan","startTime":1647.035,"endTime":1648.415,"body":"Therefore, you're an investor."},{"speaker":"Barbara Sloan","startTime":1648.715,"endTime":1652.705,"body":"So I adopt, adopting the identity"},{"speaker":"Barbara Sloan","startTime":1648.715,"endTime":1652.705,"body":"portion of the things that are"},{"speaker":"Barbara Sloan","startTime":1652.705,"endTime":1655.585,"body":"gonna lead to wealth building"},{"speaker":"Barbara Sloan","startTime":1652.705,"endTime":1655.585,"body":"is really important and free."},{"speaker":"Barbara Sloan","startTime":1656.165,"endTime":1658.439,"body":"The last two are similar"},{"speaker":"Barbara Sloan","startTime":1656.165,"endTime":1658.439,"body":"because they trick your brain."},{"speaker":"Barbara Sloan","startTime":1658.499,"endTime":1659.729,"body":"The first is charity."},{"speaker":"Barbara Sloan","startTime":1660.209,"endTime":1661.439,"body":"Charity tricks your brain."},{"speaker":"Barbara Sloan","startTime":1661.439,"endTime":1664.709,"body":"Because if you're like, if I have"},{"speaker":"Barbara Sloan","startTime":1661.439,"endTime":1664.709,"body":"enough to give, then I have enough."},{"speaker":"Barbara Sloan","startTime":1665.249,"endTime":1668.759,"body":"So it literally carves its way into"},{"speaker":"Barbara Sloan","startTime":1665.249,"endTime":1668.759,"body":"your brain to say, I have enough."},{"speaker":"Barbara Sloan","startTime":1669.179,"endTime":1672.089,"body":"And then the last one, I just"},{"speaker":"Barbara Sloan","startTime":1669.179,"endTime":1672.089,"body":"lost my train of thought."},{"speaker":"Barbara Sloan","startTime":1672.089,"endTime":1672.449,"body":"Sorry."},{"speaker":"Barbara Sloan","startTime":1672.659,"endTime":1677.569,"body":"So charity and gratitude's the final one."},{"speaker":"Barbara Sloan","startTime":1677.899,"endTime":1678.999,"body":"When you are in a."},{"speaker":"Barbara Sloan","startTime":1680.089,"endTime":1683.179,"body":"Mindset of gratitude, and you're"},{"speaker":"Barbara Sloan","startTime":1680.089,"endTime":1683.179,"body":"thankful for what you have."},{"speaker":"Barbara Sloan","startTime":1683.179,"endTime":1684.949,"body":"You're not focused on what you lack."},{"speaker":"Barbara Sloan","startTime":1685.369,"endTime":1688.279,"body":"And so again, this just does a"},{"speaker":"Barbara Sloan","startTime":1685.369,"endTime":1688.279,"body":"trick to your brain that instantly"},{"speaker":"Barbara Sloan","startTime":1688.279,"endTime":1689.759,"body":"puts you into an abundance mindset."},{"speaker":"Barbara Sloan","startTime":1690.409,"endTime":1693.139,"body":"And you need that abundance"},{"speaker":"Barbara Sloan","startTime":1690.409,"endTime":1693.139,"body":"mindset to help you build wealth."},{"speaker":"Barbara Sloan","startTime":1693.169,"endTime":1696.409,"body":"Because if you're in a scarcity"},{"speaker":"Barbara Sloan","startTime":1693.169,"endTime":1696.409,"body":"mindset, you're not gonna be able"},{"speaker":"Barbara Sloan","startTime":1696.414,"endTime":1697.669,"body":"to put money into investments."},{"speaker":"Barbara Sloan","startTime":1697.674,"endTime":1701.089,"body":"You're gonna be too scared, and you need"},{"speaker":"Barbara Sloan","startTime":1697.674,"endTime":1701.089,"body":"to be able to invest in order to build."},{"speaker":"Average Joe Finances","startTime":1701.139,"endTime":1703.269,"body":"Yeah, I"},{"speaker":"Average Joe Finances","startTime":1701.139,"endTime":1703.269,"body":"absolutely love that, Barbara."},{"speaker":"Average Joe Finances","startTime":1703.269,"endTime":1703.779,"body":"Thank you."},{"speaker":"Average Joe Finances","startTime":1703.779,"endTime":1705.809,"body":"One of the things I do I journal, right?"},{"speaker":"Average Joe Finances","startTime":1705.809,"endTime":1707.219,"body":"And I meditate as well."},{"speaker":"Average Joe Finances","startTime":1707.579,"endTime":1710.219,"body":"And one of the things I always"},{"speaker":"Average Joe Finances","startTime":1707.579,"endTime":1710.219,"body":"do in my journal is I write"},{"speaker":"Average Joe Finances","startTime":1710.219,"endTime":1711.839,"body":"a daily affirmation, right?"},{"speaker":"Average Joe Finances","startTime":1711.899,"endTime":1713.009,"body":"That's my mantra, right?"},{"speaker":"Average Joe Finances","startTime":1713.009,"endTime":1714.599,"body":"And I write it every single day."},{"speaker":"Average Joe Finances","startTime":1715.019,"endTime":1718.409,"body":"So it's always there in the"},{"speaker":"Average Joe Finances","startTime":1715.019,"endTime":1718.409,"body":"back of my head as I do it."},{"speaker":"Average Joe Finances","startTime":1718.799,"endTime":1721.585,"body":"And I'll tell you what it is"},{"speaker":"Average Joe Finances","startTime":1718.799,"endTime":1721.585,"body":"it's, I am healthy, wealthy,"},{"speaker":"Average Joe Finances","startTime":1721.585,"endTime":1722.965,"body":"and live a life of abundance."},{"speaker":"Average Joe Finances","startTime":1723.325,"endTime":1725.875,"body":"That's what I write in my"},{"speaker":"Average Joe Finances","startTime":1723.325,"endTime":1725.875,"body":"journal every single day."},{"speaker":"Average Joe Finances","startTime":1726.405,"endTime":1727.635,"body":"It's something that's obtainable."},{"speaker":"Average Joe Finances","startTime":1727.905,"endTime":1730.905,"body":"It's something that I'm working"},{"speaker":"Average Joe Finances","startTime":1727.905,"endTime":1730.905,"body":"on and it's something that I"},{"speaker":"Average Joe Finances","startTime":1730.905,"endTime":1734.58,"body":"believe, that I'm already there,"},{"speaker":"Average Joe Finances","startTime":1730.905,"endTime":1734.58,"body":"and that's my mantra, right?"},{"speaker":"Average Joe Finances","startTime":1734.58,"endTime":1738.15,"body":"And I like to say that to"},{"speaker":"Average Joe Finances","startTime":1734.58,"endTime":1738.15,"body":"myself every single day."},{"speaker":"Average Joe Finances","startTime":1738.48,"endTime":1741.62,"body":"And I think it's important for me to"},{"speaker":"Average Joe Finances","startTime":1738.48,"endTime":1741.62,"body":"wake up and have that mindset every day."},{"speaker":"Average Joe Finances","startTime":1742.33,"endTime":1744.935,"body":"And these other things I"},{"speaker":"Average Joe Finances","startTime":1742.33,"endTime":1744.935,"body":"identify with this, right?"},{"speaker":"Average Joe Finances","startTime":1744.945,"endTime":1746.385,"body":"You have to have a good mindset."},{"speaker":"Average Joe Finances","startTime":1746.895,"endTime":1750.195,"body":"You have to know who you are,"},{"speaker":"Average Joe Finances","startTime":1746.895,"endTime":1750.195,"body":"what your identity is, right?"},{"speaker":"Average Joe Finances","startTime":1750.495,"endTime":1753.825,"body":"Find yourself in charity Giving back."},{"speaker":"Average Joe Finances","startTime":1753.855,"endTime":1754.815,"body":"I love giving back."},{"speaker":"Average Joe Finances","startTime":1754.815,"endTime":1756.58,"body":"It's one of the reasons"},{"speaker":"Average Joe Finances","startTime":1754.815,"endTime":1756.58,"body":"why I do this podcast too."},{"speaker":"Average Joe Finances","startTime":1756.61,"endTime":1760.065,"body":"This is just another way for me to"},{"speaker":"Average Joe Finances","startTime":1756.61,"endTime":1760.065,"body":"give back to other people and help"},{"speaker":"Average Joe Finances","startTime":1760.07,"endTime":1761.505,"body":"show them that you can do this too."},{"speaker":"Average Joe Finances","startTime":1762.125,"endTime":1763.665,"body":"And of course, gratitude."},{"speaker":"Average Joe Finances","startTime":1763.665,"endTime":1767.235,"body":"I am, I'm super grateful even that"},{"speaker":"Average Joe Finances","startTime":1763.665,"endTime":1767.235,"body":"we get to have this conversation."},{"speaker":"Average Joe Finances","startTime":1767.59,"endTime":1770.89,"body":"The people that I get to meet through"},{"speaker":"Average Joe Finances","startTime":1767.59,"endTime":1770.89,"body":"this podcast is just absolutely amazing."},{"speaker":"Average Joe Finances","startTime":1771.19,"endTime":1774.52,"body":"So these four tenants that you"},{"speaker":"Average Joe Finances","startTime":1771.19,"endTime":1774.52,"body":"have here are absolutely amazing."},{"speaker":"Average Joe Finances","startTime":1774.88,"endTime":1775.57,"body":"I love it."},{"speaker":"Average Joe Finances","startTime":1775.57,"endTime":1776.83,"body":"And I just wanna point that out."},{"speaker":"Barbara Sloan","startTime":1777.49,"endTime":1777.79,"body":"Thank you."},{"speaker":"Barbara Sloan","startTime":1777.79,"endTime":1778.54,"body":"That's awesome."},{"speaker":"Barbara Sloan","startTime":1778.6,"endTime":1779.3,"body":"Yeah, I love them too."},{"speaker":"Barbara Sloan","startTime":1779.41,"endTime":1780.52,"body":"I love mindset and stuff."},{"speaker":"Barbara Sloan","startTime":1780.52,"endTime":1781.63,"body":"It's so fun, it's so good."},{"speaker":"Average Joe Finances","startTime":1781.63,"endTime":1783.82,"body":"Mindset is"},{"speaker":"Average Joe Finances","startTime":1781.63,"endTime":1783.82,"body":"the most important thing, right?"},{"speaker":"Average Joe Finances","startTime":1783.85,"endTime":1785.284,"body":"In anything that you do."},{"speaker":"Average Joe Finances","startTime":1785.554,"endTime":1789.184,"body":"But when it comes to your finances,"},{"speaker":"Average Joe Finances","startTime":1785.554,"endTime":1789.184,"body":"that's the first thing you need to fix."},{"speaker":"Average Joe Finances","startTime":1789.364,"endTime":1791.824,"body":"And the first thing you need to"},{"speaker":"Average Joe Finances","startTime":1789.364,"endTime":1791.824,"body":"change is your mindset, right?"},{"speaker":"Average Joe Finances","startTime":1791.824,"endTime":1795.105,"body":"Because as you were describing"},{"speaker":"Average Joe Finances","startTime":1791.824,"endTime":1795.105,"body":"earlier, you could sit here and yeah."},{"speaker":"Average Joe Finances","startTime":1795.564,"endTime":1798.654,"body":"You might not be itemizing"},{"speaker":"Average Joe Finances","startTime":1795.564,"endTime":1798.654,"body":"your expenses or your income."},{"speaker":"Average Joe Finances","startTime":1798.704,"endTime":1804.299,"body":"And you might just not, you might not"},{"speaker":"Average Joe Finances","startTime":1798.704,"endTime":1804.299,"body":"just be disciplined enough to do that yet."},{"speaker":"Average Joe Finances","startTime":1804.629,"endTime":1807.929,"body":"And how you get yourself there by"},{"speaker":"Average Joe Finances","startTime":1804.629,"endTime":1807.929,"body":"changing your mindset, changing how"},{"speaker":"Average Joe Finances","startTime":1807.929,"endTime":1809.939,"body":"you think, changing how you operate."},{"speaker":"Average Joe Finances","startTime":1810.299,"endTime":1814.799,"body":"There'll be a day when you keep working"},{"speaker":"Average Joe Finances","startTime":1810.299,"endTime":1814.799,"body":"on yourself and working on yourself that"},{"speaker":"Average Joe Finances","startTime":1814.804,"endTime":1818.429,"body":"you're gonna have that rough day at work"},{"speaker":"Average Joe Finances","startTime":1814.804,"endTime":1818.429,"body":"or that really great day, and you're gonna"},{"speaker":"Average Joe Finances","startTime":1818.429,"endTime":1820.109,"body":"say, okay, I'm gonna go wind down now."},{"speaker":"Average Joe Finances","startTime":1820.299,"endTime":1821.229,"body":"Actually, you know what?"},{"speaker":"Average Joe Finances","startTime":1821.904,"endTime":1822.924,"body":"Today was a good day."},{"speaker":"Average Joe Finances","startTime":1823.134,"endTime":1827.064,"body":"I'm gonna go back home, get a good night's"},{"speaker":"Average Joe Finances","startTime":1823.134,"endTime":1827.064,"body":"sleep and get recharged for tomorrow."},{"speaker":"Average Joe Finances","startTime":1827.364,"endTime":1830.274,"body":"That's when you know you've"},{"speaker":"Average Joe Finances","startTime":1827.364,"endTime":1830.274,"body":"made that change, right?"},{"speaker":"Average Joe Finances","startTime":1830.274,"endTime":1833.334,"body":"Because now you're focusing more on"},{"speaker":"Average Joe Finances","startTime":1830.274,"endTime":1833.334,"body":"your health, you're focusing more"},{"speaker":"Average Joe Finances","startTime":1833.339,"endTime":1836.049,"body":"now on, on everything else that"},{"speaker":"Average Joe Finances","startTime":1833.339,"endTime":1836.049,"body":"you're doing which comes back to"},{"speaker":"Average Joe Finances","startTime":1836.054,"endTime":1839.469,"body":"your health cuz your financial health"},{"speaker":"Average Joe Finances","startTime":1836.054,"endTime":1839.469,"body":"will affect your physical health."},{"speaker":"Average Joe Finances","startTime":1839.829,"endTime":1841.519,"body":"And a lot of people don't realize that."},{"speaker":"Average Joe Finances","startTime":1841.579,"endTime":1842.149,"body":"I don't think."},{"speaker":"Barbara Sloan","startTime":1842.199,"endTime":1842.424,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1842.424,"endTime":1845.994,"body":"And that's proactive healthcare"},{"speaker":"Barbara Sloan","startTime":1842.424,"endTime":1845.994,"body":"or the proactive self care is"},{"speaker":"Barbara Sloan","startTime":1845.994,"endTime":1847.404,"body":"getting that good night's sleep."},{"speaker":"Average Joe Finances","startTime":1847.584,"endTime":1850.794,"body":"And when you make"},{"speaker":"Average Joe Finances","startTime":1847.584,"endTime":1850.794,"body":"that shift from reactive to proactive,"},{"speaker":"Average Joe Finances","startTime":1850.794,"endTime":1852.324,"body":"that's when you change your mindset."},{"speaker":"Barbara Sloan","startTime":1853.134,"endTime":1855.504,"body":"And I'm glad you"},{"speaker":"Barbara Sloan","startTime":1853.134,"endTime":1855.504,"body":"mentioned like that bandwidth angle"},{"speaker":"Barbara Sloan","startTime":1855.509,"endTime":1858.984,"body":"because I find that a lot when people"},{"speaker":"Barbara Sloan","startTime":1855.509,"endTime":1858.984,"body":"who are in the service industry,"},{"speaker":"Barbara Sloan","startTime":1858.984,"endTime":1862.884,"body":"not only is it a really physical"},{"speaker":"Barbara Sloan","startTime":1858.984,"endTime":1862.884,"body":"job, but it's a mental job as well."},{"speaker":"Barbara Sloan","startTime":1862.884,"endTime":1865.524,"body":"So when you're exhausted, a lot"},{"speaker":"Barbara Sloan","startTime":1862.884,"endTime":1865.524,"body":"of people, when you're at your"},{"speaker":"Barbara Sloan","startTime":1865.524,"endTime":1868.974,"body":"computers, you come, you're mentally"},{"speaker":"Barbara Sloan","startTime":1865.524,"endTime":1868.974,"body":"exhausted after your nine to five."},{"speaker":"Barbara Sloan","startTime":1869.244,"endTime":1872.274,"body":"But people in the service industry are"},{"speaker":"Barbara Sloan","startTime":1869.244,"endTime":1872.274,"body":"both physically and mentally exhausted."},{"speaker":"Barbara Sloan","startTime":1872.544,"endTime":1875.904,"body":"And so there's, I'm like, you have"},{"speaker":"Barbara Sloan","startTime":1872.544,"endTime":1875.904,"body":"to find a way to carve out bandwidth"},{"speaker":"Barbara Sloan","startTime":1875.904,"endTime":1877.254,"body":"to take care of your finances."},{"speaker":"Barbara Sloan","startTime":1877.434,"endTime":1880.344,"body":"One of my favorite tips for people in"},{"speaker":"Barbara Sloan","startTime":1877.434,"endTime":1880.344,"body":"the service industry to get some of"},{"speaker":"Barbara Sloan","startTime":1880.344,"endTime":1882.894,"body":"that bandwidth back is to use your pen."},{"speaker":"Barbara Sloan","startTime":1883.329,"endTime":1886.719,"body":"Do not try to remember people's"},{"speaker":"Barbara Sloan","startTime":1883.329,"endTime":1886.719,"body":"orders or people's names."},{"speaker":"Barbara Sloan","startTime":1887.049,"endTime":1888.219,"body":"Don't, no one's impressed."},{"speaker":"Barbara Sloan","startTime":1888.459,"endTime":1891.549,"body":"If anything, people get, they're anxious"},{"speaker":"Barbara Sloan","startTime":1888.459,"endTime":1891.549,"body":"because they're worried you're gonna mess"},{"speaker":"Barbara Sloan","startTime":1891.549,"endTime":1894.729,"body":"something up, and that's not what you"},{"speaker":"Barbara Sloan","startTime":1891.549,"endTime":1894.729,"body":"want for your dining or buyer experience."},{"speaker":"Average Joe Finances","startTime":1894.784,"endTime":1895.784,"body":"Wow, that's huge."},{"speaker":"Barbara Sloan","startTime":1896.264,"endTime":1896.654,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1896.654,"endTime":1898.154,"body":"Use the pen, write things down."},{"speaker":"Barbara Sloan","startTime":1898.154,"endTime":1899.354,"body":"Don't be that guy or gal."},{"speaker":"Barbara Sloan","startTime":1899.354,"endTime":1901.314,"body":"And then also have a few go-tos."},{"speaker":"Barbara Sloan","startTime":1901.714,"endTime":1903.004,"body":"If somebody wants a recommendation."},{"speaker":"Barbara Sloan","startTime":1903.844,"endTime":1907.804,"body":"Maybe don't tailor every single"},{"speaker":"Barbara Sloan","startTime":1903.844,"endTime":1907.804,"body":"recommendation to that person."},{"speaker":"Barbara Sloan","startTime":1908.044,"endTime":1911.824,"body":"Maybe have a few go-tos so you're"},{"speaker":"Barbara Sloan","startTime":1908.044,"endTime":1911.824,"body":"not having to use that mental energy"},{"speaker":"Barbara Sloan","startTime":1911.829,"endTime":1913.894,"body":"each time in each guest situation."},{"speaker":"Average Joe Finances","startTime":1913.894,"endTime":1913.954,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":1914.254,"endTime":1915.664,"body":"Have"},{"speaker":"Barbara Sloan","startTime":1914.254,"endTime":1915.664,"body":"some favorites lined up."},{"speaker":"Barbara Sloan","startTime":1916.144,"endTime":1919.114,"body":"Cuz you're right that bandwidth you"},{"speaker":"Barbara Sloan","startTime":1916.144,"endTime":1919.114,"body":"need it in order to make changes."},{"speaker":"Average Joe Finances","startTime":1919.424,"endTime":1920.865,"body":"It's the"},{"speaker":"Average Joe Finances","startTime":1919.424,"endTime":1920.865,"body":"small thoughts that I think people"},{"speaker":"Average Joe Finances","startTime":1920.87,"endTime":1924.554,"body":"don't think about really, that, that"},{"speaker":"Average Joe Finances","startTime":1920.87,"endTime":1924.554,"body":"take up a lot of that space in your"},{"speaker":"Average Joe Finances","startTime":1924.554,"endTime":1926.424,"body":"head that take up that bandwidth."},{"speaker":"Average Joe Finances","startTime":1926.424,"endTime":1929.874,"body":"Like you said, it's the small"},{"speaker":"Average Joe Finances","startTime":1926.424,"endTime":1929.874,"body":"actions that you do that all adds up."},{"speaker":"Average Joe Finances","startTime":1930.214,"endTime":1932.899,"body":"So if you're sitting here thinking, oh,"},{"speaker":"Average Joe Finances","startTime":1930.214,"endTime":1932.899,"body":"this person seems like they might be a"},{"speaker":"Average Joe Finances","startTime":1932.899,"endTime":1934.789,"body":"good steak guy, let me recommend this."},{"speaker":"Average Joe Finances","startTime":1935.009,"endTime":1937.869,"body":"You're wasting too much time thinking"},{"speaker":"Average Joe Finances","startTime":1935.009,"endTime":1937.869,"body":"about that, so yeah, having those"},{"speaker":"Average Joe Finances","startTime":1937.869,"endTime":1939.759,"body":"go-tos, boom, it's already there."},{"speaker":"Average Joe Finances","startTime":1939.879,"endTime":1941.079,"body":"You're not wasting time."},{"speaker":"Average Joe Finances","startTime":1941.139,"endTime":1944.559,"body":"You spit it out and you move"},{"speaker":"Average Joe Finances","startTime":1941.139,"endTime":1944.559,"body":"on and you keep things going."},{"speaker":"Average Joe Finances","startTime":1944.559,"endTime":1945.424,"body":"So I love that."},{"speaker":"Average Joe Finances","startTime":1945.814,"endTime":1950.254,"body":"Now, Barbara, I wanna ask you something"},{"speaker":"Average Joe Finances","startTime":1945.814,"endTime":1950.254,"body":"and before we go into the final round,"},{"speaker":"Average Joe Finances","startTime":1950.254,"endTime":1955.074,"body":"and this might be a little spicy"},{"speaker":"Average Joe Finances","startTime":1950.254,"endTime":1955.074,"body":"or might heat things up a bit, but."},{"speaker":"Average Joe Finances","startTime":1955.974,"endTime":1962.064,"body":"I wanted to ask you about tipping in"},{"speaker":"Average Joe Finances","startTime":1955.974,"endTime":1962.064,"body":"particular when it comes to, so I get it,"},{"speaker":"Average Joe Finances","startTime":1962.064,"endTime":1966.284,"body":"like in the service industry, a lot of"},{"speaker":"Average Joe Finances","startTime":1962.064,"endTime":1966.284,"body":"people live off of and rely on tips, but"},{"speaker":"Average Joe Finances","startTime":1966.284,"endTime":1970.434,"body":"one of the things I've noticed lately and"},{"speaker":"Average Joe Finances","startTime":1966.284,"endTime":1970.434,"body":"I've heard other people talk about this"},{"speaker":"Average Joe Finances","startTime":1970.439,"endTime":1976.064,"body":"too, is that you can go somewhere else"},{"speaker":"Average Joe Finances","startTime":1970.439,"endTime":1976.064,"body":"to, a fast food restaurant or Starbucks,"},{"speaker":"Average Joe Finances","startTime":1976.114,"endTime":1980.194,"body":"and you put your order in, you get it,"},{"speaker":"Average Joe Finances","startTime":1976.114,"endTime":1980.194,"body":"and they flip the little iPad around."},{"speaker":"Average Joe Finances","startTime":1980.194,"endTime":1981.364,"body":"It's asking you for a tip."},{"speaker":"Average Joe Finances","startTime":1981.979,"endTime":1986.199,"body":"Now they're not, they're"},{"speaker":"Average Joe Finances","startTime":1981.979,"endTime":1986.199,"body":"getting paid their full wage."},{"speaker":"Average Joe Finances","startTime":1986.249,"endTime":1989.539,"body":"Versus somebody who's actually"},{"speaker":"Average Joe Finances","startTime":1986.249,"endTime":1989.539,"body":"a waiter or a waitress, that is"},{"speaker":"Average Joe Finances","startTime":1989.689,"endTime":1991.549,"body":"living off that $2 and 13 cents."},{"speaker":"Average Joe Finances","startTime":1992.089,"endTime":1995.899,"body":"And then sometimes I feel like, man, I"},{"speaker":"Average Joe Finances","startTime":1992.089,"endTime":1995.899,"body":"feel obligated to, to leave a tip here."},{"speaker":"Average Joe Finances","startTime":1995.899,"endTime":1997.704,"body":"But then there's other times I'm like no."},{"speaker":"Average Joe Finances","startTime":1997.954,"endTime":2001.224,"body":"Why am I gonna tip for something I"},{"speaker":"Average Joe Finances","startTime":1997.954,"endTime":2001.224,"body":"normally never tip for in the past?"},{"speaker":"Average Joe Finances","startTime":2001.434,"endTime":2002.964,"body":"So what are your thoughts on that?"},{"speaker":"Average Joe Finances","startTime":2002.964,"endTime":2004.794,"body":"This might be a hot take,"},{"speaker":"Average Joe Finances","startTime":2002.964,"endTime":2004.794,"body":"but what are your thoughts?"},{"speaker":"Barbara Sloan","startTime":2005.424,"endTime":2006.954,"body":"I am so glad"},{"speaker":"Barbara Sloan","startTime":2005.424,"endTime":2006.954,"body":"you asked this question."},{"speaker":"Barbara Sloan","startTime":2006.954,"endTime":2008.574,"body":"I love this question."},{"speaker":"Barbara Sloan","startTime":2008.614,"endTime":2009.814,"body":"So I get it."},{"speaker":"Barbara Sloan","startTime":2009.814,"endTime":2011.314,"body":"Our world's changing, right?"},{"speaker":"Barbara Sloan","startTime":2011.314,"endTime":2016.534,"body":"So what I like people to think about"},{"speaker":"Barbara Sloan","startTime":2011.314,"endTime":2016.534,"body":"is the fact that iPad, it represents"},{"speaker":"Barbara Sloan","startTime":2016.534,"endTime":2018.184,"body":"what used to just be a tip jar."},{"speaker":"Barbara Sloan","startTime":2018.774,"endTime":2022.014,"body":"So the iPad is cha is"},{"speaker":"Barbara Sloan","startTime":2018.774,"endTime":2022.014,"body":"replacing the tip jar."},{"speaker":"Barbara Sloan","startTime":2022.074,"endTime":2026.244,"body":"And for many people who maybe ignored"},{"speaker":"Barbara Sloan","startTime":2022.074,"endTime":2026.244,"body":"the tip jar or were getting services"},{"speaker":"Barbara Sloan","startTime":2026.244,"endTime":2029.899,"body":"that didn't, rise to the occasion of"},{"speaker":"Barbara Sloan","startTime":2026.244,"endTime":2029.899,"body":"tipping, they didn't notice that tip jar."},{"speaker":"Barbara Sloan","startTime":2029.904,"endTime":2031.819,"body":"But now it's part of every transaction."},{"speaker":"Barbara Sloan","startTime":2031.819,"endTime":2034.544,"body":"So we just have to get used to"},{"speaker":"Barbara Sloan","startTime":2031.819,"endTime":2034.544,"body":"the fact that tip jar is now a"},{"speaker":"Barbara Sloan","startTime":2034.549,"endTime":2035.874,"body":"part of every single transaction."},{"speaker":"Barbara Sloan","startTime":2036.414,"endTime":2042.554,"body":"And just like in any industry, you have"},{"speaker":"Barbara Sloan","startTime":2036.414,"endTime":2042.554,"body":"to be an educated and engaged consumer."},{"speaker":"Barbara Sloan","startTime":2042.824,"endTime":2046.019,"body":"I like to say tip on"},{"speaker":"Barbara Sloan","startTime":2042.824,"endTime":2046.019,"body":"service, not on product."},{"speaker":"Barbara Sloan","startTime":2046.199,"endTime":2050.329,"body":"Let's say you're at that coffee shop and"},{"speaker":"Barbara Sloan","startTime":2046.199,"endTime":2050.329,"body":"you're getting a latte and that person"},{"speaker":"Barbara Sloan","startTime":2050.329,"endTime":2055.849,"body":"is putting a foam cat face on your latte,"},{"speaker":"Barbara Sloan","startTime":2050.329,"endTime":2055.849,"body":"and they're risking burning themselves."},{"speaker":"Barbara Sloan","startTime":2056.629,"endTime":2060.09,"body":"Yes, they are making not the $2"},{"speaker":"Barbara Sloan","startTime":2056.629,"endTime":2060.09,"body":"and 13 cents sub minimum wage."},{"speaker":"Barbara Sloan","startTime":2060.359,"endTime":2062.729,"body":"They're making the"},{"speaker":"Barbara Sloan","startTime":2060.359,"endTime":2062.729,"body":"regular $7 and 25 cents."},{"speaker":"Barbara Sloan","startTime":2063.149,"endTime":2065.969,"body":"Minimum wage, but that's"},{"speaker":"Barbara Sloan","startTime":2063.149,"endTime":2065.969,"body":"still hard to live on."},{"speaker":"Barbara Sloan","startTime":2066.059,"endTime":2067.949,"body":"So if you felt like you"},{"speaker":"Barbara Sloan","startTime":2066.059,"endTime":2067.949,"body":"got, that's very fair."},{"speaker":"Barbara Sloan","startTime":2068.249,"endTime":2068.489,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2068.489,"endTime":2072.419,"body":"If you felt like you got great service"},{"speaker":"Barbara Sloan","startTime":2068.489,"endTime":2072.419,"body":"and this person wrist burning themselves"},{"speaker":"Barbara Sloan","startTime":2072.419,"endTime":2079.379,"body":"for you, maybe throw them a buck, but"},{"speaker":"Barbara Sloan","startTime":2072.419,"endTime":2079.379,"body":"don't feel the need to tip 30% on that,"},{"speaker":"Barbara Sloan","startTime":2079.384,"endTime":2080.999,"body":"just because that's what the prompts are."},{"speaker":"Barbara Sloan","startTime":2081.004,"endTime":2085.109,"body":"Those prompts sometimes are"},{"speaker":"Barbara Sloan","startTime":2081.004,"endTime":2085.109,"body":"preloaded, sometimes therefore, the"},{"speaker":"Barbara Sloan","startTime":2085.109,"endTime":2088.739,"body":"optionality of something else that"},{"speaker":"Barbara Sloan","startTime":2085.109,"endTime":2088.739,"body":"maybe that establishment offers."},{"speaker":"Barbara Sloan","startTime":2088.769,"endTime":2091.849,"body":"Like I always get the give the"},{"speaker":"Barbara Sloan","startTime":2088.769,"endTime":2091.849,"body":"reference of A bakery, right?"},{"speaker":"Barbara Sloan","startTime":2091.849,"endTime":2097.159,"body":"If somebody ordered a customized birthday"},{"speaker":"Barbara Sloan","startTime":2091.849,"endTime":2097.159,"body":"cake and that baker nailed it, they got"},{"speaker":"Barbara Sloan","startTime":2097.229,"endTime":2102.479,"body":"the exact cake that your six year old"},{"speaker":"Barbara Sloan","startTime":2097.229,"endTime":2102.479,"body":"was dreaming of, then that's the occasion"},{"speaker":"Barbara Sloan","startTime":2102.479,"endTime":2104.279,"body":"where you're gonna tip above and beyond."},{"speaker":"Barbara Sloan","startTime":2104.279,"endTime":2108.189,"body":"So in some of these establishments, you're"},{"speaker":"Barbara Sloan","startTime":2104.279,"endTime":2108.189,"body":"like, why is this even being asked of me?"},{"speaker":"Barbara Sloan","startTime":2108.249,"endTime":2110.489,"body":"Why do I even have the optionality?"},{"speaker":"Barbara Sloan","startTime":2110.489,"endTime":2114.359,"body":"It's usually because they offer a"},{"speaker":"Barbara Sloan","startTime":2110.489,"endTime":2114.359,"body":"lot of different services, and some"},{"speaker":"Barbara Sloan","startTime":2114.359,"endTime":2116.399,"body":"of those services have the option."},{"speaker":"Barbara Sloan","startTime":2116.749,"endTime":2117.409,"body":"Of tipping."},{"speaker":"Barbara Sloan","startTime":2117.679,"endTime":2123.529,"body":"So if you are an engaged consumer, then"},{"speaker":"Barbara Sloan","startTime":2117.679,"endTime":2123.529,"body":"you know I got a packaged water and a"},{"speaker":"Barbara Sloan","startTime":2123.529,"endTime":2128.899,"body":"packaged sandwich, I can hit no tip with"},{"speaker":"Barbara Sloan","startTime":2123.529,"endTime":2128.899,"body":"confidence and walk out of this place with"},{"speaker":"Barbara Sloan","startTime":2128.904,"endTime":2133.389,"body":"my head health high because I know that"},{"speaker":"Barbara Sloan","startTime":2128.904,"endTime":2133.389,"body":"this person is paid their regular minimum"},{"speaker":"Barbara Sloan","startTime":2133.699,"endTime":2137.089,"body":"wage and I didn't get a service where."},{"speaker":"Barbara Sloan","startTime":2137.739,"endTime":2140.834,"body":"I think and I think it's causing"},{"speaker":"Barbara Sloan","startTime":2137.739,"endTime":2140.834,"body":"a lot of like tipping fatigue."},{"speaker":"Barbara Sloan","startTime":2140.834,"endTime":2144.104,"body":"And so people are getting a little angry"},{"speaker":"Barbara Sloan","startTime":2140.834,"endTime":2144.104,"body":"and it's rising to the occasion of we"},{"speaker":"Barbara Sloan","startTime":2144.104,"endTime":2145.994,"body":"need to do away with tipping altogether."},{"speaker":"Average Joe Finances","startTime":2146.124,"endTime":2148.944,"body":"That's why I"},{"speaker":"Average Joe Finances","startTime":2146.124,"endTime":2148.944,"body":"asked this question, cause I do, I,"},{"speaker":"Average Joe Finances","startTime":2149.274,"endTime":2151.974,"body":"again, I hear people talking about"},{"speaker":"Average Joe Finances","startTime":2149.274,"endTime":2151.974,"body":"this all the time and that's why"},{"speaker":"Average Joe Finances","startTime":2151.979,"endTime":2153.169,"body":"it's yeah, maybe that's what it is."},{"speaker":"Average Joe Finances","startTime":2153.169,"endTime":2154.379,"body":"It's this tipping fatigue now."},{"speaker":"Average Joe Finances","startTime":2154.669,"endTime":2158.659,"body":"Because the way I look at it is, you have"},{"speaker":"Average Joe Finances","startTime":2154.669,"endTime":2158.659,"body":"these restaurants and stuff that are."},{"speaker":"Average Joe Finances","startTime":2159.229,"endTime":2164.194,"body":"Basically hiring people and paying"},{"speaker":"Average Joe Finances","startTime":2159.229,"endTime":2164.194,"body":"them a non livable wage, even if"},{"speaker":"Average Joe Finances","startTime":2164.194,"endTime":2165.304,"body":"they were paying them minimum wage."},{"speaker":"Average Joe Finances","startTime":2165.304,"endTime":2166.054,"body":"It's non livable."},{"speaker":"Average Joe Finances","startTime":2166.104,"endTime":2172.614,"body":"And expecting the consumer to be"},{"speaker":"Average Joe Finances","startTime":2166.104,"endTime":2172.614,"body":"the person to offset that and pay"},{"speaker":"Average Joe Finances","startTime":2172.614,"endTime":2174.204,"body":"this person's living expenses."},{"speaker":"Average Joe Finances","startTime":2174.394,"endTime":2176.795,"body":"That's just the different"},{"speaker":"Average Joe Finances","startTime":2174.394,"endTime":2176.795,"body":"discussions that I've been hearing"},{"speaker":"Average Joe Finances","startTime":2176.924,"endTime":2178.658,"body":"and and you see it every day."},{"speaker":"Average Joe Finances","startTime":2178.658,"endTime":2184.013,"body":"Like how can you, Feel like $2 and 13"},{"speaker":"Average Joe Finances","startTime":2178.658,"endTime":2184.013,"body":"cents as like a retainer or whatever"},{"speaker":"Average Joe Finances","startTime":2184.013,"endTime":2189.623,"body":"is even legit because you know what"},{"speaker":"Average Joe Finances","startTime":2184.013,"endTime":2189.623,"body":"happens if that individual, just had"},{"speaker":"Average Joe Finances","startTime":2189.623,"endTime":2193.553,"body":"crappy people all day that didn't"},{"speaker":"Average Joe Finances","startTime":2189.623,"endTime":2193.553,"body":"leave any tips and now, they just"},{"speaker":"Average Joe Finances","startTime":2193.558,"endTime":2197.378,"body":"worked this full day of eight hours"},{"speaker":"Average Joe Finances","startTime":2193.558,"endTime":2197.378,"body":"and they made 16 freaking dollars."},{"speaker":"Average Joe Finances","startTime":2197.568,"endTime":2198.098,"body":"Like what?"},{"speaker":"Average Joe Finances","startTime":2198.398,"endTime":2200.188,"body":"Or they made a couple tips."},{"speaker":"Average Joe Finances","startTime":2200.268,"endTime":2204.598,"body":"So they made, 30 bucks for putting"},{"speaker":"Average Joe Finances","startTime":2200.268,"endTime":2204.598,"body":"in a full eight hours of really"},{"speaker":"Average Joe Finances","startTime":2204.603,"endTime":2207.098,"body":"busting their butt, is that really?"},{"speaker":"Average Joe Finances","startTime":2207.648,"endTime":2208.908,"body":"Is this where we really are?"},{"speaker":"Average Joe Finances","startTime":2209.238,"endTime":2211.478,"body":"Because you look at countries"},{"speaker":"Average Joe Finances","startTime":2209.238,"endTime":2211.478,"body":"overseas too, like in Europe."},{"speaker":"Average Joe Finances","startTime":2211.478,"endTime":2212.638,"body":"Like they don't tip over there."},{"speaker":"Average Joe Finances","startTime":2212.998,"endTime":2213.918,"body":"Japan don't tip."},{"speaker":"Barbara Sloan","startTime":2214.238,"endTime":2215.258,"body":"There's"},{"speaker":"Barbara Sloan","startTime":2214.238,"endTime":2215.258,"body":"like poor countries."},{"speaker":"Average Joe Finances","startTime":2215.388,"endTime":2217.678,"body":"Carry a"},{"speaker":"Average Joe Finances","startTime":2215.388,"endTime":2217.678,"body":"better wage to those people."},{"speaker":"Barbara Sloan","startTime":2219.268,"endTime":2221.608,"body":"Majority of"},{"speaker":"Barbara Sloan","startTime":2219.268,"endTime":2221.608,"body":"countries do have tipping culture."},{"speaker":"Barbara Sloan","startTime":2221.658,"endTime":2224.968,"body":"There are a few countries in Europe"},{"speaker":"Barbara Sloan","startTime":2221.658,"endTime":2224.968,"body":"that really like to point out that"},{"speaker":"Barbara Sloan","startTime":2224.968,"endTime":2228.358,"body":"they don't have tipping in Australia"},{"speaker":"Barbara Sloan","startTime":2224.968,"endTime":2228.358,"body":"and Japan, but majority of other"},{"speaker":"Barbara Sloan","startTime":2228.358,"endTime":2230.008,"body":"countries do have a tipping culture."},{"speaker":"Barbara Sloan","startTime":2230.013,"endTime":2230.068,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2230.068,"endTime":2233.128,"body":"And over one third have a"},{"speaker":"Barbara Sloan","startTime":2230.068,"endTime":2233.128,"body":"tipping culture of over 10%."},{"speaker":"Barbara Sloan","startTime":2234.118,"endTime":2236.878,"body":"So I always like to talk a little"},{"speaker":"Barbara Sloan","startTime":2234.118,"endTime":2236.878,"body":"bit about the history of tipping."},{"speaker":"Barbara Sloan","startTime":2237.868,"endTime":2242.488,"body":"So tipping came over and was"},{"speaker":"Barbara Sloan","startTime":2237.868,"endTime":2242.488,"body":"popularized post-slavery."},{"speaker":"Barbara Sloan","startTime":2242.998,"endTime":2249.418,"body":"So what happened was formerly"},{"speaker":"Barbara Sloan","startTime":2242.998,"endTime":2249.418,"body":"enslaved people went out into the"},{"speaker":"Barbara Sloan","startTime":2249.418,"endTime":2253.168,"body":"workforce and most of them got jobs"},{"speaker":"Barbara Sloan","startTime":2249.418,"endTime":2253.168,"body":"in restaurants and on the railroads."},{"speaker":"Barbara Sloan","startTime":2253.173,"endTime":2259.048,"body":"Both of those positions were tipped"},{"speaker":"Barbara Sloan","startTime":2253.173,"endTime":2259.048,"body":"positions, and the employers wanted to"},{"speaker":"Barbara Sloan","startTime":2259.048,"endTime":2262.918,"body":"profit off the backs of their black,"},{"speaker":"Barbara Sloan","startTime":2259.048,"endTime":2262.918,"body":"brown, uneducated minority workers."},{"speaker":"Barbara Sloan","startTime":2263.203,"endTime":2268.928,"body":"But the people who own service-based"},{"speaker":"Barbara Sloan","startTime":2263.203,"endTime":2268.928,"body":"establishments are not those employers."},{"speaker":"Barbara Sloan","startTime":2269.528,"endTime":2274.238,"body":"And a big part of the reason that"},{"speaker":"Barbara Sloan","startTime":2269.528,"endTime":2274.238,"body":"tipping has lasted in the US for over"},{"speaker":"Barbara Sloan","startTime":2274.243,"endTime":2279.788,"body":"a hundred years is because it is a"},{"speaker":"Barbara Sloan","startTime":2274.243,"endTime":2279.788,"body":"form of a subsidy for this industry."},{"speaker":"Barbara Sloan","startTime":2279.848,"endTime":2283.298,"body":"It is a unique industry, again,"},{"speaker":"Barbara Sloan","startTime":2279.848,"endTime":2283.298,"body":"that has unique challenges."},{"speaker":"Barbara Sloan","startTime":2283.328,"endTime":2287.828,"body":"Over 90% of this industry is"},{"speaker":"Barbara Sloan","startTime":2283.328,"endTime":2287.828,"body":"small mom and pop establishment."},{"speaker":"Barbara Sloan","startTime":2288.343,"endTime":2290.443,"body":"That would not be able"},{"speaker":"Barbara Sloan","startTime":2288.343,"endTime":2290.443,"body":"to stay in business."},{"speaker":"Barbara Sloan","startTime":2290.443,"endTime":2295.053,"body":"If they had to have the compliance"},{"speaker":"Barbara Sloan","startTime":2290.443,"endTime":2295.053,"body":"measures of an added HR person"},{"speaker":"Barbara Sloan","startTime":2295.443,"endTime":2299.283,"body":"of management, of a 401k, of"},{"speaker":"Barbara Sloan","startTime":2295.443,"endTime":2299.283,"body":"managing all of these benefits."},{"speaker":"Barbara Sloan","startTime":2299.288,"endTime":2303.393,"body":"They wouldn't be able to stay in business"},{"speaker":"Barbara Sloan","startTime":2299.288,"endTime":2303.393,"body":"if they had to pay payroll taxes on"},{"speaker":"Barbara Sloan","startTime":2303.393,"endTime":2305.373,"body":"the added wages for those employees."},{"speaker":"Barbara Sloan","startTime":2305.483,"endTime":2309.123,"body":"So there's a whole host of"},{"speaker":"Barbara Sloan","startTime":2305.483,"endTime":2309.123,"body":"reasons why the government."},{"speaker":"Barbara Sloan","startTime":2309.598,"endTime":2313.543,"body":"The service-based establishments"},{"speaker":"Barbara Sloan","startTime":2309.598,"endTime":2313.543,"body":"and the workers all come to"},{"speaker":"Barbara Sloan","startTime":2313.543,"endTime":2314.713,"body":"the table with the subsidy."},{"speaker":"Barbara Sloan","startTime":2314.713,"endTime":2318.373,"body":"No one in agreeing that we are"},{"speaker":"Barbara Sloan","startTime":2314.713,"endTime":2318.373,"body":"gonna slightly subsidize this and"},{"speaker":"Barbara Sloan","startTime":2318.373,"endTime":2322.273,"body":"let you pay for a small portion"},{"speaker":"Barbara Sloan","startTime":2318.373,"endTime":2322.273,"body":"of this directly because you're"},{"speaker":"Barbara Sloan","startTime":2322.273,"endTime":2324.163,"body":"not gonna pay for a $60 burger."},{"speaker":"Barbara Sloan","startTime":2324.343,"endTime":2327.353,"body":"And yeah, they don't do it in Europe, but"},{"speaker":"Barbara Sloan","startTime":2324.343,"endTime":2327.353,"body":"they have in some countries in Europe."},{"speaker":"Barbara Sloan","startTime":2327.353,"endTime":2331.693,"body":"But they have different systems set up"},{"speaker":"Barbara Sloan","startTime":2327.353,"endTime":2331.693,"body":"for those establishments, different,"},{"speaker":"Barbara Sloan","startTime":2331.963,"endTime":2336.073,"body":"totally different laws, taxes and"},{"speaker":"Barbara Sloan","startTime":2331.963,"endTime":2336.073,"body":"systems than we do here in the us."},{"speaker":"Barbara Sloan","startTime":2336.858,"endTime":2341.198,"body":"And so there's restaurant groups"},{"speaker":"Barbara Sloan","startTime":2336.858,"endTime":2341.198,"body":"here in New York City that have"},{"speaker":"Barbara Sloan","startTime":2341.198,"endTime":2342.518,"body":"tried to do away with tipping."},{"speaker":"Barbara Sloan","startTime":2342.758,"endTime":2345.428,"body":"Danny Meyers, one of the most famous"},{"speaker":"Barbara Sloan","startTime":2342.758,"endTime":2345.428,"body":"restaurant groups, tried to do away"},{"speaker":"Barbara Sloan","startTime":2345.428,"endTime":2351.068,"body":"with tipping, just went back to tipping"},{"speaker":"Barbara Sloan","startTime":2345.428,"endTime":2351.068,"body":"because not only is it what works best"},{"speaker":"Barbara Sloan","startTime":2351.068,"endTime":2355.068,"body":"for the business, but it's what the"},{"speaker":"Barbara Sloan","startTime":2351.068,"endTime":2355.068,"body":"employees want and what customers want."},{"speaker":"Barbara Sloan","startTime":2355.698,"endTime":2359.388,"body":"No, $2 and 13 cents is not an"},{"speaker":"Barbara Sloan","startTime":2355.698,"endTime":2359.388,"body":"appropriate sub minimum wage."},{"speaker":"Barbara Sloan","startTime":2359.478,"endTime":2361.188,"body":"In fact, I think we need"},{"speaker":"Barbara Sloan","startTime":2359.478,"endTime":2361.188,"body":"to do away with this."},{"speaker":"Barbara Sloan","startTime":2361.188,"endTime":2365.148,"body":"I have a whole policy wishlist, but that"},{"speaker":"Barbara Sloan","startTime":2361.188,"endTime":2365.148,"body":"doesn't mean that tipping's gonna go away."},{"speaker":"Barbara Sloan","startTime":2365.198,"endTime":2368.813,"body":"It's an important part of this industry,"},{"speaker":"Barbara Sloan","startTime":2365.198,"endTime":2368.813,"body":"you're getting a unique guest experience."},{"speaker":"Barbara Sloan","startTime":2369.273,"endTime":2373.143,"body":"You're the only person who's"},{"speaker":"Barbara Sloan","startTime":2369.273,"endTime":2373.143,"body":"able to gauge the value of that"},{"speaker":"Barbara Sloan","startTime":2373.143,"endTime":2374.913,"body":"unique service-based experience."},{"speaker":"Barbara Sloan","startTime":2375.318,"endTime":2379.458,"body":"And so you have to be a part of that"},{"speaker":"Barbara Sloan","startTime":2375.318,"endTime":2379.458,"body":"experience by offering your tip as"},{"speaker":"Barbara Sloan","startTime":2379.458,"endTime":2381.438,"body":"a portion of their compensation."},{"speaker":"Average Joe Finances","startTime":2383.538,"endTime":2383.838,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":2384.618,"endTime":2387.018,"body":"Thank you so much for"},{"speaker":"Average Joe Finances","startTime":2384.618,"endTime":2387.018,"body":"that, for sharing that."},{"speaker":"Average Joe Finances","startTime":2387.018,"endTime":2387.558,"body":"That was."},{"speaker":"Barbara Sloan","startTime":2388.758,"endTime":2389.178,"body":"Sorry."},{"speaker":"Average Joe Finances","startTime":2389.418,"endTime":2392.043,"body":"Much better than"},{"speaker":"Average Joe Finances","startTime":2389.418,"endTime":2392.043,"body":"I expected that answer to be because,"},{"speaker":"Average Joe Finances","startTime":2392.363,"endTime":2394.283,"body":"I found myself even saying that too."},{"speaker":"Average Joe Finances","startTime":2394.283,"endTime":2396.503,"body":"Oh, why am I tipping for something"},{"speaker":"Average Joe Finances","startTime":2394.283,"endTime":2396.503,"body":"I've never had to tip before?"},{"speaker":"Average Joe Finances","startTime":2396.503,"endTime":2398.213,"body":"And it's not something you"},{"speaker":"Average Joe Finances","startTime":2396.503,"endTime":2398.213,"body":"think about too much, right?"},{"speaker":"Average Joe Finances","startTime":2398.213,"endTime":2400.368,"body":"You go get that latte"},{"speaker":"Average Joe Finances","startTime":2398.213,"endTime":2400.368,"body":"from Starbucks, right?"},{"speaker":"Average Joe Finances","startTime":2400.368,"endTime":2404.208,"body":"And somebody took the time to make"},{"speaker":"Average Joe Finances","startTime":2400.368,"endTime":2404.208,"body":"sure your milk was frothed properly"},{"speaker":"Average Joe Finances","startTime":2404.208,"endTime":2407.988,"body":"and everything looks nice and you"},{"speaker":"Average Joe Finances","startTime":2404.208,"endTime":2407.988,"body":"it nice presentation and you're"},{"speaker":"Average Joe Finances","startTime":2407.988,"endTime":2409.188,"body":"just like, oh yeah, whatever."},{"speaker":"Average Joe Finances","startTime":2409.188,"endTime":2409.758,"body":"It's a $2."},{"speaker":"Average Joe Finances","startTime":2409.788,"endTime":2410.478,"body":"No, it's Starbucks."},{"speaker":"Average Joe Finances","startTime":2410.478,"endTime":2411.438,"body":"It's like a $10 coffee."},{"speaker":"Barbara Sloan","startTime":2411.488,"endTime":2411.728,"body":"Seriously."},{"speaker":"Average Joe Finances","startTime":2412.718,"endTime":2413.378,"body":"But yeah."},{"speaker":"Average Joe Finances","startTime":2413.378,"endTime":2414.698,"body":"You know that's a very."},{"speaker":"Average Joe Finances","startTime":2414.973,"endTime":2418.453,"body":"Great point, and I really hope that"},{"speaker":"Average Joe Finances","startTime":2414.973,"endTime":2418.453,"body":"people that are listening to this right"},{"speaker":"Average Joe Finances","startTime":2418.453,"endTime":2423.383,"body":"now have a better understanding and"},{"speaker":"Average Joe Finances","startTime":2418.453,"endTime":2423.383,"body":"can better resonate with people in the"},{"speaker":"Average Joe Finances","startTime":2423.383,"endTime":2426.053,"body":"service industry when it comes to tipping."},{"speaker":"Average Joe Finances","startTime":2427.223,"endTime":2427.583,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2428.033,"endTime":2428.243,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2428.243,"endTime":2432.153,"body":"And I think the other thing is that"},{"speaker":"Barbara Sloan","startTime":2428.243,"endTime":2432.153,"body":"tipping is only found in luxury"},{"speaker":"Barbara Sloan","startTime":2433.403,"endTime":2434.833,"body":"service-based establishments."},{"speaker":"Barbara Sloan","startTime":2435.363,"endTime":2438.063,"body":"There's no tipping involved"},{"speaker":"Barbara Sloan","startTime":2435.363,"endTime":2438.063,"body":"in places like grocery stores."},{"speaker":"Barbara Sloan","startTime":2438.063,"endTime":2442.018,"body":"So if you don't have the budget"},{"speaker":"Barbara Sloan","startTime":2438.063,"endTime":2442.018,"body":"or means to tip, there's a lot of"},{"speaker":"Barbara Sloan","startTime":2442.018,"endTime":2443.128,"body":"other things that you can do, right?"},{"speaker":"Barbara Sloan","startTime":2443.338,"endTime":2445.078,"body":"You can have a picnic,"},{"speaker":"Barbara Sloan","startTime":2443.338,"endTime":2445.078,"body":"you can have a potluck."},{"speaker":"Barbara Sloan","startTime":2445.138,"endTime":2451.898,"body":"You do not need to go to a service-based"},{"speaker":"Barbara Sloan","startTime":2445.138,"endTime":2451.898,"body":"establishment and maybe force somebody"},{"speaker":"Barbara Sloan","startTime":2451.898,"endTime":2454.088,"body":"to work without a portion of their wages."},{"speaker":"Barbara Sloan","startTime":2454.093,"endTime":2458.278,"body":"Because the thing is that also a lot of"},{"speaker":"Barbara Sloan","startTime":2454.093,"endTime":2458.278,"body":"these positions have support positions."},{"speaker":"Barbara Sloan","startTime":2458.398,"endTime":2463.318,"body":"So if you're a waitress, for instance,"},{"speaker":"Barbara Sloan","startTime":2458.398,"endTime":2463.318,"body":"if somebody doesn't tip you, you"},{"speaker":"Barbara Sloan","startTime":2463.318,"endTime":2464.728,"body":"still have to tip out your busboy."},{"speaker":"Barbara Sloan","startTime":2465.208,"endTime":2467.038,"body":"You still have to tip out your bartender."},{"speaker":"Barbara Sloan","startTime":2467.128,"endTime":2468.778,"body":"They still have to tip out their bar back."},{"speaker":"Barbara Sloan","startTime":2469.228,"endTime":2475.558,"body":"And so not tipping is not an"},{"speaker":"Barbara Sloan","startTime":2469.228,"endTime":2475.558,"body":"option in a luxury experience."},{"speaker":"Average Joe Finances","startTime":2475.558,"endTime":2475.618,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2475.618,"endTime":2479.578,"body":"And so part of that"},{"speaker":"Barbara Sloan","startTime":2475.618,"endTime":2479.578,"body":"is that as people get older and as"},{"speaker":"Barbara Sloan","startTime":2479.578,"endTime":2481.049,"body":"people get more money, we have to be."},{"speaker":"Barbara Sloan","startTime":2481.963,"endTime":2485.083,"body":"Engaging and teaching people"},{"speaker":"Barbara Sloan","startTime":2481.963,"endTime":2485.083,"body":"how to use luxury services."},{"speaker":"Barbara Sloan","startTime":2485.353,"endTime":2488.833,"body":"If you walk into a spot for the first"},{"speaker":"Barbara Sloan","startTime":2485.353,"endTime":2488.833,"body":"time, you might not know how to act"},{"speaker":"Barbara Sloan","startTime":2488.833,"endTime":2491.983,"body":"or what the rules and engagement are,"},{"speaker":"Barbara Sloan","startTime":2488.833,"endTime":2491.983,"body":"and you might need to learn, oh, okay,"},{"speaker":"Barbara Sloan","startTime":2491.983,"endTime":2496.123,"body":"I get a robe, or, whatever the rules"},{"speaker":"Barbara Sloan","startTime":2491.983,"endTime":2496.123,"body":"are for each industry and the service"},{"speaker":"Barbara Sloan","startTime":2496.123,"endTime":2497.923,"body":"industry, and luxury and tipping."},{"speaker":"Barbara Sloan","startTime":2497.973,"endTime":2501.123,"body":"It's something that people just"},{"speaker":"Barbara Sloan","startTime":2497.973,"endTime":2501.123,"body":"sometimes need to be educated on."},{"speaker":"Average Joe Finances","startTime":2502.158,"endTime":2503.418,"body":"No,"},{"speaker":"Average Joe Finances","startTime":2502.158,"endTime":2503.418,"body":"definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2503.878,"endTime":2507.448,"body":"Okay, so Barbara, I wanna"},{"speaker":"Average Joe Finances","startTime":2503.878,"endTime":2507.448,"body":"transition this now into something"},{"speaker":"Average Joe Finances","startTime":2507.448,"endTime":2508.588,"body":"that I call the final round."},{"speaker":"Average Joe Finances","startTime":2508.918,"endTime":2511.708,"body":"It's where I'm gonna ask you the same"},{"speaker":"Average Joe Finances","startTime":2508.918,"endTime":2511.708,"body":"four questions that I ask everybody that"},{"speaker":"Average Joe Finances","startTime":2511.708,"endTime":2515.518,"body":"comes on this show and get a good idea"},{"speaker":"Average Joe Finances","startTime":2511.708,"endTime":2515.518,"body":"of where your mindset is when you're"},{"speaker":"Average Joe Finances","startTime":2515.523,"endTime":2516.568,"body":"put under a little bit of pressure."},{"speaker":"Average Joe Finances","startTime":2516.568,"endTime":2518.429,"body":"But I think we know where that's"},{"speaker":"Average Joe Finances","startTime":2516.568,"endTime":2518.429,"body":"at cuz you're gonna crush this."},{"speaker":"Average Joe Finances","startTime":2519.058,"endTime":2519.688,"body":"You ready to go?"},{"speaker":"Barbara Sloan","startTime":2519.688,"endTime":2520.748,"body":"Okay, let's do it."},{"speaker":"Average Joe Finances","startTime":2521.038,"endTime":2521.588,"body":"Let's do it."},{"speaker":"Average Joe Finances","startTime":2521.668,"endTime":2522.058,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2522.568,"endTime":2528.673,"body":"So Barbara, Spending over 20"},{"speaker":"Average Joe Finances","startTime":2522.568,"endTime":2528.673,"body":"years in the service industry."},{"speaker":"Average Joe Finances","startTime":2528.673,"endTime":2532.753,"body":"I'm sure you've had a lot of ups and"},{"speaker":"Average Joe Finances","startTime":2528.673,"endTime":2532.753,"body":"downs when it came to your finances"},{"speaker":"Average Joe Finances","startTime":2532.963,"endTime":2536.703,"body":"and figuring out the right way to"},{"speaker":"Average Joe Finances","startTime":2532.963,"endTime":2536.703,"body":"make this work, especially as you were"},{"speaker":"Average Joe Finances","startTime":2536.703,"endTime":2538.083,"body":"coming together to write this book."},{"speaker":"Average Joe Finances","startTime":2538.423,"endTime":2542.843,"body":"What would you say is the biggest mistake"},{"speaker":"Average Joe Finances","startTime":2538.423,"endTime":2542.843,"body":"you've ever made in your finances?"},{"speaker":"Barbara Sloan","startTime":2543.473,"endTime":2552.203,"body":"When I was 19 my father"},{"speaker":"Barbara Sloan","startTime":2543.473,"endTime":2552.203,"body":"passed away and the house that I grew"},{"speaker":"Barbara Sloan","startTime":2552.203,"endTime":2553.733,"body":"up in was sold against my wishes."},{"speaker":"Barbara Sloan","startTime":2554.228,"endTime":2559.478,"body":"So I wrote a letter to the homeowners"},{"speaker":"Barbara Sloan","startTime":2554.228,"endTime":2559.478,"body":"asking if I could buy it from them,"},{"speaker":"Barbara Sloan","startTime":2560.168,"endTime":2566.618,"body":"and a week later I got a response and"},{"speaker":"Barbara Sloan","startTime":2560.168,"endTime":2566.618,"body":"I bought the house for twice the price"},{"speaker":"Barbara Sloan","startTime":2566.618,"endTime":2571.688,"body":"that the previous owners paid, only"},{"speaker":"Barbara Sloan","startTime":2566.618,"endTime":2571.688,"body":"months prior, a hundred percent financed."},{"speaker":"Barbara Sloan","startTime":2572.108,"endTime":2575.888,"body":"And then I proceeded to take out"},{"speaker":"Barbara Sloan","startTime":2572.108,"endTime":2575.888,"body":"10 credit cards and max them out"},{"speaker":"Barbara Sloan","startTime":2575.888,"endTime":2578.198,"body":"to renovate the house myself at 19."},{"speaker":"Barbara Sloan","startTime":2578.828,"endTime":2583.043,"body":"So that was my biggest and"},{"speaker":"Barbara Sloan","startTime":2578.828,"endTime":2583.043,"body":"worst financial mistake."},{"speaker":"Barbara Sloan","startTime":2583.103,"endTime":2586.763,"body":"And part of the reason that I"},{"speaker":"Barbara Sloan","startTime":2583.103,"endTime":2586.763,"body":"needed to rely on cash so heavily"},{"speaker":"Barbara Sloan","startTime":2586.768,"endTime":2588.383,"body":"because I had creditors chasing me."},{"speaker":"Barbara Sloan","startTime":2588.383,"endTime":2591.718,"body":"And my credit was"},{"speaker":"Barbara Sloan","startTime":2588.383,"endTime":2591.718,"body":"absolutely gone after that."},{"speaker":"Average Joe Finances","startTime":2591.818,"endTime":2591.998,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2592.028,"endTime":2595.353,"body":"That was my,"},{"speaker":"Barbara Sloan","startTime":2592.028,"endTime":2595.353,"body":"that was a huge financial hit."},{"speaker":"Barbara Sloan","startTime":2595.353,"endTime":2598.203,"body":"But it was like one of those things"},{"speaker":"Barbara Sloan","startTime":2595.353,"endTime":2598.203,"body":"where I'm like, so glad it happened"},{"speaker":"Barbara Sloan","startTime":2598.203,"endTime":2600.993,"body":"cuz I learned so many things from it."},{"speaker":"Barbara Sloan","startTime":2600.993,"endTime":2603.663,"body":"I learned so much about construction,"},{"speaker":"Barbara Sloan","startTime":2600.993,"endTime":2603.663,"body":"I learned so much about real estate."},{"speaker":"Barbara Sloan","startTime":2603.663,"endTime":2606.663,"body":"I learned so much about myself,"},{"speaker":"Barbara Sloan","startTime":2603.663,"endTime":2606.663,"body":"about failure it is still"},{"speaker":"Barbara Sloan","startTime":2606.663,"endTime":2608.103,"body":"paying dividends at this point."},{"speaker":"Barbara Sloan","startTime":2608.343,"endTime":2612.003,"body":"It was the worst paper mistake, but the"},{"speaker":"Barbara Sloan","startTime":2608.343,"endTime":2612.003,"body":"best thing that ever happened to me."},{"speaker":"Average Joe Finances","startTime":2613.293,"endTime":2613.593,"body":"Great."},{"speaker":"Average Joe Finances","startTime":2613.593,"endTime":2614.013,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2614.013,"endTime":2615.633,"body":"Thank you for your transparency with that."},{"speaker":"Average Joe Finances","startTime":2615.713,"endTime":2615.953,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2615.953,"endTime":2618.048,"body":"The next question, Barbara,"},{"speaker":"Average Joe Finances","startTime":2615.953,"endTime":2618.048,"body":"ties into that one."},{"speaker":"Average Joe Finances","startTime":2618.138,"endTime":2619.698,"body":"These all kind of tie into each other."},{"speaker":"Average Joe Finances","startTime":2620.038,"endTime":2623.668,"body":"But what is something that you've"},{"speaker":"Average Joe Finances","startTime":2620.038,"endTime":2623.668,"body":"learned that you wish you knew"},{"speaker":"Average Joe Finances","startTime":2623.668,"endTime":2625.048,"body":"when you first got started?"},{"speaker":"Barbara Sloan","startTime":2629.393,"endTime":2632.063,"body":"I'm sure everyone's"},{"speaker":"Barbara Sloan","startTime":2629.393,"endTime":2632.063,"body":"answer is compound interest, so I'm"},{"speaker":"Barbara Sloan","startTime":2632.063,"endTime":2633.353,"body":"not gonna say compound interest."},{"speaker":"Barbara Sloan","startTime":2633.463,"endTime":2637.903,"body":"I would probably say I wish I knew"},{"speaker":"Barbara Sloan","startTime":2633.463,"endTime":2637.903,"body":"all of the ways that people could"},{"speaker":"Barbara Sloan","startTime":2637.903,"endTime":2639.283,"body":"report to your credit report."},{"speaker":"Barbara Sloan","startTime":2639.288,"endTime":2642.103,"body":"Like I didn't know the library"},{"speaker":"Barbara Sloan","startTime":2639.288,"endTime":2642.103,"body":"could hit your credit report."},{"speaker":"Barbara Sloan","startTime":2642.403,"endTime":2645.113,"body":"I didn't know medical debt from other"},{"speaker":"Barbara Sloan","startTime":2642.403,"endTime":2645.113,"body":"countries could hit your credit report."},{"speaker":"Barbara Sloan","startTime":2645.113,"endTime":2649.333,"body":"Like I feel like I tested"},{"speaker":"Barbara Sloan","startTime":2645.113,"endTime":2649.333,"body":"the credit systems limits."},{"speaker":"Barbara Sloan","startTime":2649.393,"endTime":2651.253,"body":"So I wish I had learned more about that."},{"speaker":"Average Joe Finances","startTime":2653.053,"endTime":2653.413,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2653.473,"endTime":2653.983,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":2653.983,"endTime":2654.463,"body":"Right on."},{"speaker":"Average Joe Finances","startTime":2654.793,"endTime":2655.093,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2655.143,"endTime":2655.833,"body":"That's interesting."},{"speaker":"Average Joe Finances","startTime":2655.883,"endTime":2659.033,"body":"I didn't know that medical"},{"speaker":"Average Joe Finances","startTime":2655.883,"endTime":2659.033,"body":"debt from other countries can"},{"speaker":"Average Joe Finances","startTime":2659.033,"endTime":2660.203,"body":"actually hit your credit report."},{"speaker":"Average Joe Finances","startTime":2660.663,"endTime":2663.733,"body":"I think I've heard of the"},{"speaker":"Average Joe Finances","startTime":2660.663,"endTime":2663.733,"body":"library can actually get you,"},{"speaker":"Average Joe Finances","startTime":2663.733,"endTime":2665.058,"body":"but yeah, no that's interesting."},{"speaker":"Average Joe Finances","startTime":2665.568,"endTime":2665.658,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":2666.663,"endTime":2666.963,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2666.963,"endTime":2670.043,"body":"So the next question, Barbara and again"},{"speaker":"Average Joe Finances","startTime":2666.963,"endTime":2670.043,"body":"this one ties into the last as well."},{"speaker":"Average Joe Finances","startTime":2670.443,"endTime":2674.583,"body":"Do you have any tips or tricks and we'll"},{"speaker":"Average Joe Finances","startTime":2670.443,"endTime":2674.583,"body":"keep this service industry related, right?"},{"speaker":"Average Joe Finances","startTime":2674.853,"endTime":2676.893,"body":"So do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":2674.853,"endTime":2676.893,"body":"that you would recommend to"},{"speaker":"Average Joe Finances","startTime":2676.893,"endTime":2680.493,"body":"somebody that is just getting"},{"speaker":"Average Joe Finances","startTime":2676.893,"endTime":2680.493,"body":"started out in that industry today?"},{"speaker":"Barbara Sloan","startTime":2681.913,"endTime":2684.174,"body":"Other, I would first"},{"speaker":"Barbara Sloan","startTime":2681.913,"endTime":2684.174,"body":"tell them to pick up a copy of my book."},{"speaker":"Barbara Sloan","startTime":2684.903,"endTime":2685.723,"body":"But let's go."},{"speaker":"Average Joe Finances","startTime":2685.723,"endTime":2685.893,"body":"Ofcourse."},{"speaker":"Barbara Sloan","startTime":2685.893,"endTime":2686.313,"body":"Let's go."},{"speaker":"Barbara Sloan","startTime":2686.313,"endTime":2686.583,"body":"Yeah."},{"speaker":"Barbara Sloan","startTime":2686.583,"endTime":2688.383,"body":"Let's go back to the emergency fund."},{"speaker":"Barbara Sloan","startTime":2688.533,"endTime":2689.433,"body":"Absolutely."},{"speaker":"Barbara Sloan","startTime":2689.449,"endTime":2692.599,"body":"Industry is starting your emergency"},{"speaker":"Barbara Sloan","startTime":2689.449,"endTime":2692.599,"body":"fund, and I always like to gamify it."},{"speaker":"Barbara Sloan","startTime":2692.599,"endTime":2694.819,"body":"So here's one little tip I'll"},{"speaker":"Barbara Sloan","startTime":2692.599,"endTime":2694.819,"body":"give for people who are trying"},{"speaker":"Barbara Sloan","startTime":2694.819,"endTime":2696.199,"body":"to save for an emergency fund."},{"speaker":"Barbara Sloan","startTime":2696.829,"endTime":2699.159,"body":"If you are in a service-based"},{"speaker":"Barbara Sloan","startTime":2696.829,"endTime":2699.159,"body":"establishment, let's say you're a"},{"speaker":"Barbara Sloan","startTime":2699.164,"endTime":2702.519,"body":"waitress and you have a six table"},{"speaker":"Barbara Sloan","startTime":2699.164,"endTime":2702.519,"body":"section, take one of your tables"},{"speaker":"Barbara Sloan","startTime":2702.609,"endTime":2703.849,"body":"and the tips from that table."},{"speaker":"Barbara Sloan","startTime":2704.679,"endTime":2707.619,"body":"Are always going into your"},{"speaker":"Barbara Sloan","startTime":2704.679,"endTime":2707.619,"body":"emergency fund until it's full."},{"speaker":"Barbara Sloan","startTime":2707.769,"endTime":2710.959,"body":"So make it a little bit of a game and I"},{"speaker":"Barbara Sloan","startTime":2707.769,"endTime":2710.959,"body":"guarantee you that you will treat that"},{"speaker":"Barbara Sloan","startTime":2710.959,"endTime":2714.739,"body":"table so much differently because that"},{"speaker":"Barbara Sloan","startTime":2710.959,"endTime":2714.739,"body":"table is literally saving your butt."},{"speaker":"Barbara Sloan","startTime":2714.979,"endTime":2717.079,"body":"If you're a bartender,"},{"speaker":"Barbara Sloan","startTime":2714.979,"endTime":2717.079,"body":"pick up a couple of stools."},{"speaker":"Barbara Sloan","startTime":2717.289,"endTime":2718.759,"body":"That's your savings section."},{"speaker":"Barbara Sloan","startTime":2718.909,"endTime":2723.289,"body":"If you're a dancer, pick a guy with a"},{"speaker":"Barbara Sloan","startTime":2718.909,"endTime":2723.289,"body":"certain shirt color or a bill type, but"},{"speaker":"Barbara Sloan","startTime":2723.294,"endTime":2727.039,"body":"make it fun and enjoyable so that you can"},{"speaker":"Barbara Sloan","startTime":2723.294,"endTime":2727.039,"body":"get that safety net in place for yourself."},{"speaker":"Average Joe Finances","startTime":2728.074,"endTime":2728.374,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":2728.524,"endTime":2729.694,"body":"That is fantastic."},{"speaker":"Average Joe Finances","startTime":2729.844,"endTime":2730.834,"body":"That is fantastic."},{"speaker":"Average Joe Finances","startTime":2730.834,"endTime":2732.094,"body":"All right, awesome."},{"speaker":"Average Joe Finances","startTime":2732.514,"endTime":2737.314,"body":"Now I will preface this last question"},{"speaker":"Average Joe Finances","startTime":2732.514,"endTime":2737.314,"body":"with, besides your own, but do you have"},{"speaker":"Average Joe Finances","startTime":2737.314,"endTime":2742.234,"body":"a favorite business investing or real"},{"speaker":"Average Joe Finances","startTime":2737.314,"endTime":2742.234,"body":"estate related book or podcast or both?"},{"speaker":"Barbara Sloan","startTime":2743.284,"endTime":2746.194,"body":"My first two favorite"},{"speaker":"Barbara Sloan","startTime":2743.284,"endTime":2746.194,"body":"podcast that I started listening"},{"speaker":"Barbara Sloan","startTime":2746.194,"endTime":2750.854,"body":"to was So Money By Farnoosh Torabi"},{"speaker":"Barbara Sloan","startTime":2746.194,"endTime":2750.854,"body":"and Afford Anything by Paula Pant."},{"speaker":"Barbara Sloan","startTime":2750.924,"endTime":2755.814,"body":"I'm reading a book right now called the"},{"speaker":"Barbara Sloan","startTime":2750.924,"endTime":2755.814,"body":"Perfectionist Guide to Losing Control."},{"speaker":"Barbara Sloan","startTime":2756.174,"endTime":2757.464,"body":"It's so good."},{"speaker":"Barbara Sloan","startTime":2757.774,"endTime":2762.719,"body":"It's just, oh man, I see myself so"},{"speaker":"Barbara Sloan","startTime":2757.774,"endTime":2762.719,"body":"much in that if you at all identify as"},{"speaker":"Barbara Sloan","startTime":2763.289,"endTime":2767.809,"body":"slightly a perfectionist, pick yourself"},{"speaker":"Barbara Sloan","startTime":2763.289,"endTime":2767.809,"body":"up a copy of that book because Gosh, even"},{"speaker":"Barbara Sloan","startTime":2767.814,"endTime":2772.579,"body":"like her explanation of the difference"},{"speaker":"Barbara Sloan","startTime":2767.814,"endTime":2772.579,"body":"between feelings and intuition worth"},{"speaker":"Barbara Sloan","startTime":2772.579,"endTime":2774.739,"body":"it just in that such a good book."},{"speaker":"Average Joe Finances","startTime":2776.119,"endTime":2776.599,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2776.749,"endTime":2777.259,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":2777.709,"endTime":2778.939,"body":"Thank you for those recommendations."},{"speaker":"Average Joe Finances","startTime":2778.939,"endTime":2781.669,"body":"I wrote them down cuz I don't"},{"speaker":"Average Joe Finances","startTime":2778.939,"endTime":2781.669,"body":"think I had any of those on my"},{"speaker":"Average Joe Finances","startTime":2781.669,"endTime":2783.349,"body":"list and they're getting edited in."},{"speaker":"Average Joe Finances","startTime":2783.889,"endTime":2786.889,"body":"Okay, Barbara, so that is"},{"speaker":"Average Joe Finances","startTime":2783.889,"endTime":2786.889,"body":"it for the final round."},{"speaker":"Average Joe Finances","startTime":2787.579,"endTime":2791.749,"body":"However, I do have one more question"},{"speaker":"Average Joe Finances","startTime":2787.579,"endTime":2791.749,"body":"for you, and this is the most important"},{"speaker":"Average Joe Finances","startTime":2791.749,"endTime":2794.119,"body":"question of this interview because."},{"speaker":"Average Joe Finances","startTime":2794.914,"endTime":2796.849,"body":"This was a different kind"},{"speaker":"Average Joe Finances","startTime":2794.914,"endTime":2796.849,"body":"of episode for us, right?"},{"speaker":"Average Joe Finances","startTime":2797.119,"endTime":2800.759,"body":"And we have a whole different"},{"speaker":"Average Joe Finances","startTime":2797.119,"endTime":2800.759,"body":"perspective that, came from this"},{"speaker":"Average Joe Finances","startTime":2800.759,"endTime":2802.919,"body":"interview and I really appreciate that."},{"speaker":"Average Joe Finances","startTime":2803.249,"endTime":2808.259,"body":"And what I'd like to do is provide, where"},{"speaker":"Average Joe Finances","startTime":2803.249,"endTime":2808.259,"body":"people can find more information about"},{"speaker":"Average Joe Finances","startTime":2808.259,"endTime":2810.219,"body":"you, where they could find your book."},{"speaker":"Average Joe Finances","startTime":2810.779,"endTime":2813.809,"body":"So if you have a website or any"},{"speaker":"Average Joe Finances","startTime":2810.779,"endTime":2813.809,"body":"social media profiles you wanna"},{"speaker":"Average Joe Finances","startTime":2813.809,"endTime":2817.259,"body":"share with us, please do and I"},{"speaker":"Average Joe Finances","startTime":2813.809,"endTime":2817.259,"body":"will make sure that it gets out to"},{"speaker":"Average Joe Finances","startTime":2817.259,"endTime":2820.584,"body":"everybody in the show notes and and"},{"speaker":"Average Joe Finances","startTime":2817.259,"endTime":2820.584,"body":"make it easy for people to find you."},{"speaker":"Barbara Sloan","startTime":2821.319,"endTime":2824.344,"body":"Yeah, so thank you so"},{"speaker":"Barbara Sloan","startTime":2821.319,"endTime":2824.344,"body":"much for asking me that I always forget."},{"speaker":"Barbara Sloan","startTime":2824.404,"endTime":2826.054,"body":"The book is available on Amazon."},{"speaker":"Barbara Sloan","startTime":2826.054,"endTime":2829.264,"body":"It's, you can get it in Kindle"},{"speaker":"Barbara Sloan","startTime":2826.054,"endTime":2829.264,"body":"paperback or hard cover copy."},{"speaker":"Barbara Sloan","startTime":2829.474,"endTime":2832.954,"body":"If you do buy it, please leave a review"},{"speaker":"Barbara Sloan","startTime":2829.474,"endTime":2832.954,"body":"cuz I have a shadow ban on Amazon because"},{"speaker":"Barbara Sloan","startTime":2832.959,"endTime":2834.604,"body":"I have the word stripper in my subtitle."},{"speaker":"Barbara Sloan","startTime":2834.884,"endTime":2836.049,"body":"So I'm not able to advertise."},{"speaker":"Barbara Sloan","startTime":2836.109,"endTime":2837.629,"body":"So please leave a review"},{"speaker":"Barbara Sloan","startTime":2836.109,"endTime":2837.629,"body":"if you buy a copy."},{"speaker":"Barbara Sloan","startTime":2838.089,"endTime":2841.479,"body":"I'm available on my"},{"speaker":"Barbara Sloan","startTime":2838.089,"endTime":2841.479,"body":"website, tippedfinance.com."},{"speaker":"Barbara Sloan","startTime":2841.809,"endTime":2844.479,"body":"You can reach out to me if you have"},{"speaker":"Barbara Sloan","startTime":2841.809,"endTime":2844.479,"body":"questions, one-on-one coaching."},{"speaker":"Barbara Sloan","startTime":2844.479,"endTime":2845.829,"body":"I also do speaking."},{"speaker":"Barbara Sloan","startTime":2846.304,"endTime":2849.694,"body":"I just gave an awesome keynote on"},{"speaker":"Barbara Sloan","startTime":2846.304,"endTime":2849.694,"body":"financial legitimacy for people who do"},{"speaker":"Barbara Sloan","startTime":2849.694,"endTime":2853.714,"body":"work in the service industry or other,"},{"speaker":"Barbara Sloan","startTime":2849.694,"endTime":2853.714,"body":"maybe look down upon professions."},{"speaker":"Barbara Sloan","startTime":2854.174,"endTime":2857.544,"body":"You can follow me on the"},{"speaker":"Barbara Sloan","startTime":2854.174,"endTime":2857.544,"body":"socials @TippedFinance."},{"speaker":"Barbara Sloan","startTime":2857.564,"endTime":2859.304,"body":"I mostly hang out on Instagram."},{"speaker":"Barbara Sloan","startTime":2859.304,"endTime":2860.354,"body":"I'm starting on TikTok."},{"speaker":"Barbara Sloan","startTime":2860.354,"endTime":2861.759,"body":"I'm on Twitter as well."},{"speaker":"Barbara Sloan","startTime":2862.069,"endTime":2865.484,"body":"I try to make financial"},{"speaker":"Barbara Sloan","startTime":2862.069,"endTime":2865.484,"body":"literacy fun, approachable."},{"speaker":"Barbara Sloan","startTime":2865.484,"endTime":2868.844,"body":"I do standup now and again,"},{"speaker":"Barbara Sloan","startTime":2865.484,"endTime":2868.844,"body":"so yeah, please find me on the"},{"speaker":"Barbara Sloan","startTime":2868.844,"endTime":2870.284,"body":"socials or reach out to me."},{"speaker":"Average Joe Finances","startTime":2870.859,"endTime":2871.189,"body":"All right."},{"speaker":"Average Joe Finances","startTime":2871.189,"endTime":2871.849,"body":"Fantastic."},{"speaker":"Average Joe Finances","startTime":2871.849,"endTime":2872.809,"body":"Barbara, thank you so much."},{"speaker":"Average Joe Finances","startTime":2872.809,"endTime":2874.369,"body":"And like I said, I'll make"},{"speaker":"Average Joe Finances","startTime":2872.809,"endTime":2874.369,"body":"it easy for everybody."},{"speaker":"Average Joe Finances","startTime":2874.374,"endTime":2875.299,"body":"It'll be in the show notes."},{"speaker":"Average Joe Finances","startTime":2875.299,"endTime":2877.489,"body":"You could just copy and"},{"speaker":"Average Joe Finances","startTime":2875.299,"endTime":2877.489,"body":"paste or click away."},{"speaker":"Average Joe Finances","startTime":2877.489,"endTime":2880.279,"body":"Just don't do it if you're driving,"},{"speaker":"Average Joe Finances","startTime":2877.489,"endTime":2880.279,"body":"I'd appreciate that very much."},{"speaker":"Average Joe Finances","startTime":2880.649,"endTime":2883.079,"body":"And I wanna say again, thank you"},{"speaker":"Average Joe Finances","startTime":2880.649,"endTime":2883.079,"body":"so much for joining me today."},{"speaker":"Average Joe Finances","startTime":2883.079,"endTime":2884.129,"body":"This was a real treat."},{"speaker":"Average Joe Finances","startTime":2884.129,"endTime":2887.729,"body":"I feel like I learned a lot more"},{"speaker":"Average Joe Finances","startTime":2884.129,"endTime":2887.729,"body":"about the service industry just from"},{"speaker":"Average Joe Finances","startTime":2887.729,"endTime":2888.9,"body":"the short conversation that we had."},{"speaker":"Barbara Sloan","startTime":2890.249,"endTime":2890.819,"body":"Thank you, mike."},{"speaker":"Barbara Sloan","startTime":2890.819,"endTime":2891.719,"body":"This was a lot of fun."},{"speaker":"Average Joe Finances","startTime":2892.019,"endTime":2892.859,"body":"Yeah, absolutely."},{"speaker":"Average Joe Finances","startTime":2893.069,"endTime":2896.699,"body":"And hey, I wanna also thank my"},{"speaker":"Average Joe Finances","startTime":2893.069,"endTime":2896.699,"body":"listeners for joining me and our"},{"speaker":"Average Joe Finances","startTime":2896.699,"endTime":2900.719,"body":"special guest today, Barbara Sloan,"},{"speaker":"Average Joe Finances","startTime":2896.699,"endTime":2900.719,"body":"on the Average Joe Finances Podcast."},{"speaker":"Average Joe Finances","startTime":2901.049,"endTime":2904.079,"body":"Go leave us a five star review and"},{"speaker":"Average Joe Finances","startTime":2901.049,"endTime":2904.079,"body":"tell us what you liked about today's"},{"speaker":"Average Joe Finances","startTime":2904.079,"endTime":2906.179,"body":"specific episode with Barbara."},{"speaker":"Average Joe Finances","startTime":2906.419,"endTime":2909.179,"body":"Aloha from Hawaii and have"},{"speaker":"Average Joe Finances","startTime":2906.419,"endTime":2909.179,"body":"a great rest of your day."}]}