{"version":"1.0.0","segments":[{"speaker":"Average Joe Finances","startTime":0.932,"endTime":3.422,"body":"Hey, Welcome back"},{"speaker":"Average Joe Finances","startTime":0.932,"endTime":3.422,"body":"to the Average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":3.427,"endTime":7.662,"body":"I'm your host, Mike Cavaggioni,"},{"speaker":"Average Joe Finances","startTime":3.427,"endTime":7.662,"body":"and today's guest is Ace Hagerty."},{"speaker":"Average Joe Finances","startTime":7.682,"endTime":9.902,"body":"So Ace, super excited"},{"speaker":"Average Joe Finances","startTime":7.682,"endTime":9.902,"body":"to talk with you today."},{"speaker":"Average Joe Finances","startTime":9.902,"endTime":14.017,"body":"We had a nice little chat before recording"},{"speaker":"Average Joe Finances","startTime":9.902,"endTime":14.017,"body":"and I'm excited to talk about what"},{"speaker":"Average Joe Finances","startTime":14.017,"endTime":15.457,"body":"you're working on and what you're doing."},{"speaker":"Average Joe Finances","startTime":15.457,"endTime":16.567,"body":"So welcome to the show."},{"speaker":"Ace Hagerty","startTime":17.707,"endTime":19.717,"body":"Hey, Matt, I really"},{"speaker":"Ace Hagerty","startTime":17.707,"endTime":19.717,"body":"appreciate you having me on and."},{"speaker":"Ace Hagerty","startTime":20.227,"endTime":22.417,"body":"I'm just excited to be chatting with you."},{"speaker":"Ace Hagerty","startTime":22.417,"endTime":26.197,"body":"You have a phenomenal podcast and"},{"speaker":"Ace Hagerty","startTime":22.417,"endTime":26.197,"body":"I think what we talk about is just"},{"speaker":"Ace Hagerty","startTime":26.197,"endTime":30.577,"body":"so important for people on their"},{"speaker":"Ace Hagerty","startTime":26.197,"endTime":30.577,"body":"financial journey and really in the"},{"speaker":"Ace Hagerty","startTime":30.577,"endTime":32.287,"body":"broader scope, their journey in life."},{"speaker":"Average Joe Finances","startTime":33.367,"endTime":33.727,"body":"Awesome."},{"speaker":"Average Joe Finances","startTime":33.732,"endTime":34.477,"body":"Thank you so much."},{"speaker":"Average Joe Finances","startTime":34.482,"endTime":35.287,"body":"I appreciate that."},{"speaker":"Average Joe Finances","startTime":35.647,"endTime":40.177,"body":"Hey, let's kick this off the same"},{"speaker":"Average Joe Finances","startTime":35.647,"endTime":40.177,"body":"way I start every podcast episode,"},{"speaker":"Average Joe Finances","startTime":40.507,"endTime":42.107,"body":"and we wanna know more about you."},{"speaker":"Average Joe Finances","startTime":42.772,"endTime":46.702,"body":"So if you could share with me in the"},{"speaker":"Average Joe Finances","startTime":42.772,"endTime":46.702,"body":"audience who you are, what your story"},{"speaker":"Average Joe Finances","startTime":46.702,"endTime":48.472,"body":"is, just give us your background."},{"speaker":"Average Joe Finances","startTime":48.472,"endTime":50.622,"body":"Who is Ace Hagerty?"},{"speaker":"Ace Hagerty","startTime":51.472,"endTime":51.652,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":51.652,"endTime":52.972,"body":"No, I appreciate you asking that."},{"speaker":"Ace Hagerty","startTime":53.302,"endTime":55.612,"body":"Oh, there's a whole lot to unpack."},{"speaker":"Ace Hagerty","startTime":55.617,"endTime":59.062,"body":"I've been doing real estate"},{"speaker":"Ace Hagerty","startTime":55.617,"endTime":59.062,"body":"for about 10 years now."},{"speaker":"Ace Hagerty","startTime":59.752,"endTime":64.822,"body":"I started off as a fix"},{"speaker":"Ace Hagerty","startTime":59.752,"endTime":64.822,"body":"and flip guy and my story."},{"speaker":"Ace Hagerty","startTime":66.127,"endTime":68.827,"body":"Essentially was, I was"},{"speaker":"Ace Hagerty","startTime":66.127,"endTime":68.827,"body":"a structural engineer."},{"speaker":"Ace Hagerty","startTime":68.887,"endTime":70.747,"body":"I still am a structural engineer actually."},{"speaker":"Ace Hagerty","startTime":71.587,"endTime":77.017,"body":"And a buddy of mine, a realtor, came"},{"speaker":"Ace Hagerty","startTime":71.587,"endTime":77.017,"body":"up to me and wanted to flip a house."},{"speaker":"Ace Hagerty","startTime":77.107,"endTime":81.247,"body":"And back 10 years ago, house flipping"},{"speaker":"Ace Hagerty","startTime":77.107,"endTime":81.247,"body":"wasn't as popular, I would say, as it"},{"speaker":"Ace Hagerty","startTime":81.277,"endTime":83.437,"body":"is today with HGTV and all of that."},{"speaker":"Ace Hagerty","startTime":83.437,"endTime":89.237,"body":"And so I just didn't know much about it,"},{"speaker":"Ace Hagerty","startTime":83.437,"endTime":89.237,"body":"but I knew enough being an engineer and"},{"speaker":"Ace Hagerty","startTime":89.237,"endTime":93.017,"body":"also I was working for a contractor at"},{"speaker":"Ace Hagerty","startTime":89.237,"endTime":93.017,"body":"the time and decided to give it a shot."},{"speaker":"Ace Hagerty","startTime":93.067,"endTime":97.607,"body":"Back then since I worked at W-2"},{"speaker":"Ace Hagerty","startTime":93.067,"endTime":97.607,"body":"I was able to get bank financing."},{"speaker":"Ace Hagerty","startTime":97.607,"endTime":99.137,"body":"So I said it was a second."},{"speaker":"Ace Hagerty","startTime":99.317,"endTime":103.127,"body":"Home Bank didn't really care too"},{"speaker":"Ace Hagerty","startTime":99.317,"endTime":103.127,"body":"much at that point, so instead of"},{"speaker":"Ace Hagerty","startTime":103.127,"endTime":108.497,"body":"putting down 20, 25%, I only put down"},{"speaker":"Ace Hagerty","startTime":103.127,"endTime":108.497,"body":"10% and used the rest of the money."},{"speaker":"Ace Hagerty","startTime":108.497,"endTime":111.347,"body":"Hired my own guys that they had"},{"speaker":"Ace Hagerty","startTime":108.497,"endTime":111.347,"body":"from my construction company, plus"},{"speaker":"Ace Hagerty","startTime":111.347,"endTime":112.877,"body":"some other subcontractors I knew."},{"speaker":"Ace Hagerty","startTime":113.957,"endTime":117.407,"body":"Project managed the Flip,"},{"speaker":"Ace Hagerty","startTime":113.957,"endTime":117.407,"body":"did a pretty much cosmetic"},{"speaker":"Ace Hagerty","startTime":117.407,"endTime":119.267,"body":"flip, which was a great first."},{"speaker":"Ace Hagerty","startTime":119.777,"endTime":120.887,"body":"Project to start on."},{"speaker":"Ace Hagerty","startTime":121.517,"endTime":125.207,"body":"And we flipped it within three months"},{"speaker":"Ace Hagerty","startTime":121.517,"endTime":125.207,"body":"because we bought it as a short sale."},{"speaker":"Ace Hagerty","startTime":125.207,"endTime":127.307,"body":"And back then, I don't"},{"speaker":"Ace Hagerty","startTime":125.207,"endTime":127.307,"body":"know what the laws are."},{"speaker":"Ace Hagerty","startTime":127.307,"endTime":129.347,"body":"I haven't done a short"},{"speaker":"Ace Hagerty","startTime":127.307,"endTime":129.347,"body":"sale pretty much since."},{"speaker":"Ace Hagerty","startTime":129.347,"endTime":132.857,"body":"But you couldn't sell the property"},{"speaker":"Ace Hagerty","startTime":129.347,"endTime":132.857,"body":"for 90 days after buying it."},{"speaker":"Ace Hagerty","startTime":133.187,"endTime":136.817,"body":"So that's a learning lesson by itself."},{"speaker":"Ace Hagerty","startTime":136.917,"endTime":140.397,"body":"Learning the rules before you jump"},{"speaker":"Ace Hagerty","startTime":136.917,"endTime":140.397,"body":"feet first is always good, what,"},{"speaker":"Ace Hagerty","startTime":140.397,"endTime":141.807,"body":"at least the timing worked out."},{"speaker":"Ace Hagerty","startTime":142.572,"endTime":143.832,"body":"Timing worked out phenomenally."},{"speaker":"Ace Hagerty","startTime":143.882,"endTime":147.452,"body":"It gave us 90 days to rehab"},{"speaker":"Ace Hagerty","startTime":143.882,"endTime":147.452,"body":"it, and so I didn't have to"},{"speaker":"Ace Hagerty","startTime":147.452,"endTime":148.892,"body":"rush it or anything like that."},{"speaker":"Ace Hagerty","startTime":148.892,"endTime":150.632,"body":"I had, like I said, bank financing."},{"speaker":"Ace Hagerty","startTime":150.637,"endTime":153.842,"body":"Interest rates were probably around"},{"speaker":"Ace Hagerty","startTime":150.637,"endTime":153.842,"body":"five, five and a quarter back then,"},{"speaker":"Ace Hagerty","startTime":154.202,"endTime":158.552,"body":"so interest rates were decent and"},{"speaker":"Ace Hagerty","startTime":154.202,"endTime":158.552,"body":"we fixed it up and it was back in"},{"speaker":"Ace Hagerty","startTime":158.552,"endTime":159.932,"body":"California where I'm originally from."},{"speaker":"Ace Hagerty","startTime":160.712,"endTime":161.582,"body":"We found a buyer."},{"speaker":"Ace Hagerty","startTime":161.822,"endTime":163.412,"body":"So he found the deal, brought it in."},{"speaker":"Ace Hagerty","startTime":163.412,"endTime":165.752,"body":"I fixed it up and on"},{"speaker":"Ace Hagerty","startTime":163.412,"endTime":165.752,"body":"the back end he sold it."},{"speaker":"Ace Hagerty","startTime":165.752,"endTime":167.132,"body":"So he was front end, back end."},{"speaker":"Ace Hagerty","startTime":167.222,"endTime":168.032,"body":"I was in the middle."},{"speaker":"Ace Hagerty","startTime":168.422,"endTime":172.712,"body":"We were both in our lanes, learned"},{"speaker":"Ace Hagerty","startTime":168.422,"endTime":172.712,"body":"a little bit from each other of the"},{"speaker":"Ace Hagerty","startTime":172.712,"endTime":178.952,"body":"different parts of the project, but walked"},{"speaker":"Ace Hagerty","startTime":172.712,"endTime":178.952,"body":"away with 90 k, split between us 50 50."},{"speaker":"Ace Hagerty","startTime":179.612,"endTime":182.612,"body":"And you would've thought after that"},{"speaker":"Ace Hagerty","startTime":179.612,"endTime":182.612,"body":"first flip, I would've gone to my"},{"speaker":"Ace Hagerty","startTime":182.612,"endTime":185.092,"body":"boss and said, here's my two month."},{"speaker":"Ace Hagerty","startTime":185.617,"endTime":188.217,"body":"One month notice whatever"},{"speaker":"Ace Hagerty","startTime":185.617,"endTime":188.217,"body":"people do these days."},{"speaker":"Ace Hagerty","startTime":188.217,"endTime":190.777,"body":"It's been a long time since I've been"},{"speaker":"Ace Hagerty","startTime":188.217,"endTime":190.777,"body":"unemployed, so I don't even remember,"},{"speaker":"Ace Hagerty","startTime":191.137,"endTime":195.817,"body":"but you would think at that point I"},{"speaker":"Ace Hagerty","startTime":191.137,"endTime":195.817,"body":"would've been smart enough to say this is"},{"speaker":"Ace Hagerty","startTime":195.817,"endTime":198.607,"body":"something I should probably do full-time."},{"speaker":"Ace Hagerty","startTime":198.907,"endTime":202.237,"body":"Fast forward 10 years, I've done a"},{"speaker":"Ace Hagerty","startTime":198.907,"endTime":202.237,"body":"whole bunch of things like we talked"},{"speaker":"Ace Hagerty","startTime":202.237,"endTime":204.307,"body":"about before, the show, fix and flip."},{"speaker":"Ace Hagerty","startTime":204.527,"endTime":207.947,"body":"Buy and hold, both long term"},{"speaker":"Ace Hagerty","startTime":204.527,"endTime":207.947,"body":"and short term with Airbnbs."},{"speaker":"Ace Hagerty","startTime":208.782,"endTime":214.332,"body":"I've also worked for, as a partner"},{"speaker":"Ace Hagerty","startTime":208.782,"endTime":214.332,"body":"for a turnkey rental company doing out"},{"speaker":"Ace Hagerty","startTime":214.332,"endTime":217.462,"body":"of state turnkey rental properties."},{"speaker":"Ace Hagerty","startTime":217.462,"endTime":218.422,"body":"Georgia, Ohio."},{"speaker":"Ace Hagerty","startTime":218.692,"endTime":222.802,"body":"Currently I live in Nashville, Tennessee,"},{"speaker":"Ace Hagerty","startTime":218.692,"endTime":222.802,"body":"where I got my contractors' license"},{"speaker":"Ace Hagerty","startTime":222.802,"endTime":227.602,"body":"during covid and decided to do ground"},{"speaker":"Ace Hagerty","startTime":222.802,"endTime":227.602,"body":"up construction, single family homes,"},{"speaker":"Ace Hagerty","startTime":228.022,"endTime":230.032,"body":"Airbnbs as well, short term rentals."},{"speaker":"Ace Hagerty","startTime":230.542,"endTime":235.222,"body":"And so I've done a little bit of"},{"speaker":"Ace Hagerty","startTime":230.542,"endTime":235.222,"body":"everything over my career, however,"},{"speaker":"Ace Hagerty","startTime":235.912,"endTime":240.022,"body":"This gets into the, actually really"},{"speaker":"Ace Hagerty","startTime":235.912,"endTime":240.022,"body":"interesting part of my story."},{"speaker":"Ace Hagerty","startTime":240.442,"endTime":246.392,"body":"About a year and a half ago, my now"},{"speaker":"Ace Hagerty","startTime":240.442,"endTime":246.392,"body":"ex-wife approached me and she was"},{"speaker":"Ace Hagerty","startTime":246.392,"endTime":249.302,"body":"like, Hey, I can't handle this anymore."},{"speaker":"Ace Hagerty","startTime":250.112,"endTime":252.042,"body":"Cuz like I said, structural engineer."},{"speaker":"Ace Hagerty","startTime":252.797,"endTime":257.597,"body":"Multiple real estate businesses"},{"speaker":"Ace Hagerty","startTime":252.797,"endTime":257.597,"body":"going on, and my life was"},{"speaker":"Ace Hagerty","startTime":257.597,"endTime":258.857,"body":"just completely outta balance."},{"speaker":"Ace Hagerty","startTime":258.887,"endTime":262.427,"body":"I'm like, probably most of your"},{"speaker":"Ace Hagerty","startTime":258.887,"endTime":262.427,"body":"listeners a high achiever, which means"},{"speaker":"Ace Hagerty","startTime":262.427,"endTime":265.967,"body":"we're gonna work long hours, we're"},{"speaker":"Ace Hagerty","startTime":262.427,"endTime":265.967,"body":"gonna get out of our W two s, a lot"},{"speaker":"Ace Hagerty","startTime":265.967,"endTime":270.497,"body":"of us, and trade 40 weeks for 80, a"},{"speaker":"Ace Hagerty","startTime":265.967,"endTime":270.497,"body":"hundred hour weeks with no guaranteed"},{"speaker":"Ace Hagerty","startTime":270.497,"endTime":273.617,"body":"pay, no health insurance, no 401k."},{"speaker":"Ace Hagerty","startTime":273.797,"endTime":276.107,"body":"We're doing it ourselves."},{"speaker":"Ace Hagerty","startTime":276.917,"endTime":280.967,"body":"And so she approached me because my"},{"speaker":"Ace Hagerty","startTime":276.917,"endTime":280.967,"body":"life was just completely outta balance."},{"speaker":"Ace Hagerty","startTime":281.017,"endTime":284.887,"body":"I was using things like alcohol,"},{"speaker":"Ace Hagerty","startTime":281.017,"endTime":284.887,"body":"pornography to numb issues that"},{"speaker":"Ace Hagerty","startTime":284.887,"endTime":287.767,"body":"I was dealing with personally,"},{"speaker":"Ace Hagerty","startTime":284.887,"endTime":287.767,"body":"stress, things like that."},{"speaker":"Ace Hagerty","startTime":288.037,"endTime":291.452,"body":"Trying to juggle projects and as when"},{"speaker":"Ace Hagerty","startTime":288.037,"endTime":291.452,"body":"you wear yourself too thin, there's"},{"speaker":"Ace Hagerty","startTime":291.457,"endTime":294.962,"body":"gonna be cracks in all parts of your"},{"speaker":"Ace Hagerty","startTime":291.457,"endTime":294.962,"body":"life and everything is gonna suffer."},{"speaker":"Ace Hagerty","startTime":295.532,"endTime":298.022,"body":"Business, personal"},{"speaker":"Ace Hagerty","startTime":295.532,"endTime":298.022,"body":"relationships, all of that."},{"speaker":"Ace Hagerty","startTime":298.022,"endTime":302.252,"body":"So it was at that point that I"},{"speaker":"Ace Hagerty","startTime":298.022,"endTime":302.252,"body":"really had to make a decision,"},{"speaker":"Ace Hagerty","startTime":303.002,"endTime":305.402,"body":"am I going to clean up my life?"},{"speaker":"Ace Hagerty","startTime":306.017,"endTime":309.287,"body":"Clean up all of these habits"},{"speaker":"Ace Hagerty","startTime":306.017,"endTime":309.287,"body":"and these rituals that were"},{"speaker":"Ace Hagerty","startTime":309.287,"endTime":314.387,"body":"not serving me in my life, and"},{"speaker":"Ace Hagerty","startTime":309.287,"endTime":314.387,"body":"really focus on what's important."},{"speaker":"Ace Hagerty","startTime":314.537,"endTime":317.957,"body":"So essentially that was my rock bottom."},{"speaker":"Ace Hagerty","startTime":318.767,"endTime":324.977,"body":"And what I did after that for the next few"},{"speaker":"Ace Hagerty","startTime":318.767,"endTime":324.977,"body":"months was I consolidated my businesses."},{"speaker":"Ace Hagerty","startTime":326.417,"endTime":331.547,"body":"I focused mostly at that point on the"},{"speaker":"Ace Hagerty","startTime":326.417,"endTime":331.547,"body":"development, got bought out of the turnkey"},{"speaker":"Ace Hagerty","startTime":331.607,"endTime":333.857,"body":"rental business, got bought out of that."},{"speaker":"Ace Hagerty","startTime":334.457,"endTime":337.577,"body":"And really just focused engineering."},{"speaker":"Ace Hagerty","startTime":337.577,"endTime":338.867,"body":"I tapered down a bunch."},{"speaker":"Ace Hagerty","startTime":339.017,"endTime":342.387,"body":"It still brings in great capital,"},{"speaker":"Ace Hagerty","startTime":339.017,"endTime":342.387,"body":"great revenue and it doesn't"},{"speaker":"Ace Hagerty","startTime":342.392,"endTime":343.677,"body":"take me very long to do that."},{"speaker":"Ace Hagerty","startTime":343.682,"endTime":347.162,"body":"But I tapered that back and focused"},{"speaker":"Ace Hagerty","startTime":343.682,"endTime":347.162,"body":"on my developments and so that I"},{"speaker":"Ace Hagerty","startTime":347.162,"endTime":353.732,"body":"could spend time not only with my"},{"speaker":"Ace Hagerty","startTime":347.162,"endTime":353.732,"body":"ex-wife, but also get my shit together."},{"speaker":"Ace Hagerty","startTime":354.632,"endTime":356.522,"body":"That really, that's what it came down to."},{"speaker":"Ace Hagerty","startTime":357.092,"endTime":358.292,"body":"And so I did that."},{"speaker":"Ace Hagerty","startTime":359.387,"endTime":361.067,"body":"Things went well for the next few months."},{"speaker":"Ace Hagerty","startTime":361.067,"endTime":362.477,"body":"I was making progress."},{"speaker":"Ace Hagerty","startTime":362.477,"endTime":366.587,"body":"I hired a personal trainer and I was"},{"speaker":"Ace Hagerty","startTime":362.477,"endTime":366.587,"body":"doing things, but I wasn't making the"},{"speaker":"Ace Hagerty","startTime":366.587,"endTime":372.617,"body":"type of progress that I was hoping for"},{"speaker":"Ace Hagerty","startTime":366.587,"endTime":372.617,"body":"because I was slowly making changes"},{"speaker":"Ace Hagerty","startTime":373.187,"endTime":378.167,"body":"and I realized after a few months that"},{"speaker":"Ace Hagerty","startTime":373.187,"endTime":378.167,"body":"like if I keep going at this rate, yes,"},{"speaker":"Ace Hagerty","startTime":378.167,"endTime":381.947,"body":"I'm going down the right path, but I"},{"speaker":"Ace Hagerty","startTime":378.167,"endTime":381.947,"body":"need to, for me, where I'm at in my"},{"speaker":"Ace Hagerty","startTime":381.947,"endTime":386.177,"body":"life, if I have any hope of saving my"},{"speaker":"Ace Hagerty","startTime":381.947,"endTime":386.177,"body":"marriage, I need to supercharge this."},{"speaker":"Ace Hagerty","startTime":386.987,"endTime":391.727,"body":"I need to do something that will"},{"speaker":"Ace Hagerty","startTime":386.987,"endTime":391.727,"body":"completely transform my life."},{"speaker":"Ace Hagerty","startTime":392.447,"endTime":395.727,"body":"And at that time, my mentor was"},{"speaker":"Ace Hagerty","startTime":392.447,"endTime":395.727,"body":"putting on this thing called"},{"speaker":"Ace Hagerty","startTime":395.727,"endTime":396.687,"body":"the a hundred Day Challenge."},{"speaker":"Ace Hagerty","startTime":397.407,"endTime":402.987,"body":"For any of listeners that are familiar"},{"speaker":"Ace Hagerty","startTime":397.407,"endTime":402.987,"body":"with Andy Frisella or 75 Hard, think"},{"speaker":"Ace Hagerty","startTime":402.992,"endTime":411.537,"body":"of 75 hard but for a hundred days and"},{"speaker":"Ace Hagerty","startTime":402.992,"endTime":411.537,"body":"think of 75 hard as kindergarten, and"},{"speaker":"Ace Hagerty","startTime":411.542,"endTime":413.137,"body":"this is college, so sounds brutal."},{"speaker":"Ace Hagerty","startTime":413.722,"endTime":414.682,"body":"It was insane."},{"speaker":"Ace Hagerty","startTime":414.682,"endTime":419.602,"body":"So for the a hundred day challenge,"},{"speaker":"Ace Hagerty","startTime":414.682,"endTime":419.602,"body":"there's eight parts of your life,"},{"speaker":"Ace Hagerty","startTime":420.292,"endTime":426.512,"body":"health and fitness emotions and meaning,"},{"speaker":"Ace Hagerty","startTime":420.292,"endTime":426.512,"body":"relationships, spirituality, work, career,"},{"speaker":"Ace Hagerty","startTime":426.512,"endTime":429.722,"body":"mission, legacy, finances all that."},{"speaker":"Ace Hagerty","startTime":430.682,"endTime":433.772,"body":"And so for the a hundred day"},{"speaker":"Ace Hagerty","startTime":430.682,"endTime":433.772,"body":"challenge, you can do one of the"},{"speaker":"Ace Hagerty","startTime":433.772,"endTime":436.322,"body":"categories or you could do 2, 3, 4."},{"speaker":"Ace Hagerty","startTime":436.652,"endTime":437.372,"body":"I was like, you know what?"},{"speaker":"Ace Hagerty","startTime":437.372,"endTime":438.422,"body":"I need to do all eight."},{"speaker":"Ace Hagerty","startTime":439.242,"endTime":439.402,"body":"Wow."},{"speaker":"Ace Hagerty","startTime":439.407,"endTime":440.852,"body":"I'm not happy with my spiritual walk."},{"speaker":"Ace Hagerty","startTime":440.912,"endTime":442.562,"body":"I'm not happy with my finances."},{"speaker":"Ace Hagerty","startTime":442.862,"endTime":448.202,"body":"Like I said, I was born thin and cracks"},{"speaker":"Ace Hagerty","startTime":442.862,"endTime":448.202,"body":"everywhere in all parts of my life."},{"speaker":"Ace Hagerty","startTime":448.202,"endTime":449.882,"body":"My relationships were crumbling."},{"speaker":"Ace Hagerty","startTime":450.212,"endTime":453.782,"body":"My businesses were on a downward trend."},{"speaker":"Ace Hagerty","startTime":454.682,"endTime":457.112,"body":"Like I said, my spiritual walk"},{"speaker":"Ace Hagerty","startTime":454.682,"endTime":457.112,"body":"wasn't where I wanted it to be."},{"speaker":"Ace Hagerty","startTime":457.172,"endTime":458.882,"body":"My health and fitness,"},{"speaker":"Ace Hagerty","startTime":457.172,"endTime":458.882,"body":"I had gained weight."},{"speaker":"Ace Hagerty","startTime":459.452,"endTime":463.882,"body":"I wasn't exercising my emotions and"},{"speaker":"Ace Hagerty","startTime":459.452,"endTime":463.882,"body":"meanings that I gave, things were"},{"speaker":"Ace Hagerty","startTime":463.882,"endTime":465.532,"body":"just very negative, not very good."},{"speaker":"Ace Hagerty","startTime":466.162,"endTime":469.752,"body":"And The magic of this a hundred"},{"speaker":"Ace Hagerty","startTime":466.162,"endTime":469.752,"body":"day challenge is that in that"},{"speaker":"Ace Hagerty","startTime":469.752,"endTime":472.812,"body":"short amount of time now, it's"},{"speaker":"Ace Hagerty","startTime":469.752,"endTime":472.812,"body":"not short while you're in it."},{"speaker":"Ace Hagerty","startTime":472.812,"endTime":475.872,"body":"A hundred days seems like a long"},{"speaker":"Ace Hagerty","startTime":472.812,"endTime":475.872,"body":"time when you're in it, but in the"},{"speaker":"Ace Hagerty","startTime":475.872,"endTime":479.082,"body":"grand scheme of things, a hundred"},{"speaker":"Ace Hagerty","startTime":475.872,"endTime":479.082,"body":"days goes by just like that."},{"speaker":"Ace Hagerty","startTime":480.192,"endTime":481.992,"body":"So what did I do?"},{"speaker":"Ace Hagerty","startTime":482.502,"endTime":487.272,"body":"I set up a bunch of goals, a"},{"speaker":"Ace Hagerty","startTime":482.502,"endTime":487.272,"body":"bunch of things that I wanted"},{"speaker":"Ace Hagerty","startTime":487.272,"endTime":488.442,"body":"to do to change my life."},{"speaker":"Ace Hagerty","startTime":489.012,"endTime":490.062,"body":"I had to prepare for it."},{"speaker":"Ace Hagerty","startTime":490.062,"endTime":495.372,"body":"So I did things like, okay, I'm"},{"speaker":"Ace Hagerty","startTime":490.062,"endTime":495.372,"body":"going to continue with my trainer."},{"speaker":"Ace Hagerty","startTime":496.212,"endTime":500.682,"body":"I want to lose a certain amount of weight"},{"speaker":"Ace Hagerty","startTime":496.212,"endTime":500.682,"body":"and build up a certain amount of muscle."},{"speaker":"Ace Hagerty","startTime":501.372,"endTime":504.282,"body":"So I got with my trainer, I was like,"},{"speaker":"Ace Hagerty","startTime":501.372,"endTime":504.282,"body":"okay, what are the metrics that we need"},{"speaker":"Ace Hagerty","startTime":504.282,"endTime":506.412,"body":"to do and what's the plan of action?"},{"speaker":"Ace Hagerty","startTime":507.192,"endTime":509.862,"body":"And I didn't want to do it"},{"speaker":"Ace Hagerty","startTime":507.192,"endTime":509.862,"body":"myself with diet or exercise."},{"speaker":"Ace Hagerty","startTime":509.872,"endTime":511.432,"body":"I hired somebody for that."},{"speaker":"Ace Hagerty","startTime":511.437,"endTime":514.312,"body":"You just tell me what to do and I do it."},{"speaker":"Ace Hagerty","startTime":514.612,"endTime":518.812,"body":"I don't have time to worry about this"},{"speaker":"Ace Hagerty","startTime":514.612,"endTime":518.812,"body":"other than just doing what I need to do."},{"speaker":"Ace Hagerty","startTime":519.967,"endTime":523.387,"body":"There's a bunch of other things"},{"speaker":"Ace Hagerty","startTime":519.967,"endTime":523.387,"body":"that I want to do that I'm gonna"},{"speaker":"Ace Hagerty","startTime":523.387,"endTime":525.277,"body":"put more time and energy into."},{"speaker":"Ace Hagerty","startTime":525.847,"endTime":526.537,"body":"So I did that."},{"speaker":"Average Joe Finances","startTime":526.542,"endTime":527.507,"body":"That's a lot of power."},{"speaker":"Average Joe Finances","startTime":527.507,"endTime":528.992,"body":"You're handing off, handing off,"},{"speaker":"Ace Hagerty","startTime":529.042,"endTime":529.372,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":529.372,"endTime":533.132,"body":"And that's the importance of coaching,"},{"speaker":"Ace Hagerty","startTime":529.372,"endTime":533.132,"body":"finding the right coach, finding someone"},{"speaker":"Ace Hagerty","startTime":533.342,"endTime":535.082,"body":"who you can trust and put your faith in."},{"speaker":"Ace Hagerty","startTime":535.082,"endTime":536.752,"body":"Because honestly, I had a beer gut."},{"speaker":"Ace Hagerty","startTime":536.932,"endTime":538.372,"body":"I had a beer gut since I was 22."},{"speaker":"Ace Hagerty","startTime":538.372,"endTime":540.562,"body":"I'm, at the time I was 38 years old."},{"speaker":"Ace Hagerty","startTime":541.072,"endTime":545.212,"body":"So a good 16 years of having a beer gut"},{"speaker":"Ace Hagerty","startTime":541.072,"endTime":545.212,"body":"and never thinking I could get rid of it."},{"speaker":"Ace Hagerty","startTime":545.272,"endTime":549.742,"body":"Never thinking I could have six pack"},{"speaker":"Ace Hagerty","startTime":545.272,"endTime":549.742,"body":"abs or muscles or anything like that,"},{"speaker":"Ace Hagerty","startTime":549.792,"endTime":552.402,"body":"that just wasn't in my identity."},{"speaker":"Ace Hagerty","startTime":552.882,"endTime":554.952,"body":"So there were things like that."},{"speaker":"Ace Hagerty","startTime":555.012,"endTime":556.452,"body":"I wanted to write a book."},{"speaker":"Ace Hagerty","startTime":556.857,"endTime":559.827,"body":"I had tried writing a book, so"},{"speaker":"Ace Hagerty","startTime":556.857,"endTime":559.827,"body":"there was a project aspect of it."},{"speaker":"Ace Hagerty","startTime":559.827,"endTime":563.457,"body":"So I was like, in a hundred days I'll"},{"speaker":"Ace Hagerty","startTime":559.827,"endTime":563.457,"body":"write the first draft of a book and"},{"speaker":"Ace Hagerty","startTime":563.457,"endTime":568.587,"body":"actually finish a book instead of writing"},{"speaker":"Ace Hagerty","startTime":563.457,"endTime":568.587,"body":"50, 75 pages and then petering out"},{"speaker":"Ace Hagerty","startTime":568.587,"endTime":570.627,"body":"and getting focused on something else."},{"speaker":"Ace Hagerty","startTime":571.017,"endTime":576.177,"body":"Obviously working on my marriage, my"},{"speaker":"Ace Hagerty","startTime":571.017,"endTime":576.177,"body":"relationship, so seeing a therapist or"},{"speaker":"Ace Hagerty","startTime":576.177,"endTime":580.227,"body":"marriage counseling, figuring that out"},{"speaker":"Ace Hagerty","startTime":576.177,"endTime":580.227,"body":"as well, and spending time on that."},{"speaker":"Ace Hagerty","startTime":580.767,"endTime":582.597,"body":"And I can go down the list."},{"speaker":"Ace Hagerty","startTime":583.257,"endTime":585.087,"body":"It's really not that"},{"speaker":"Ace Hagerty","startTime":583.257,"endTime":585.087,"body":"important, but there was."},{"speaker":"Ace Hagerty","startTime":585.387,"endTime":587.397,"body":"A lot of things that were on this list."},{"speaker":"Ace Hagerty","startTime":587.397,"endTime":592.367,"body":"And then I took that, that, that goal,"},{"speaker":"Ace Hagerty","startTime":587.397,"endTime":592.367,"body":"that playbook and I was like, okay, what"},{"speaker":"Ace Hagerty","startTime":592.367,"endTime":597.617,"body":"are the things that I need to do every day"},{"speaker":"Ace Hagerty","startTime":592.367,"endTime":597.617,"body":"or every couple days or every week to make"},{"speaker":"Ace Hagerty","startTime":597.622,"endTime":602.687,"body":"sure that I'm making progress, I'm keeping"},{"speaker":"Ace Hagerty","startTime":597.622,"endTime":602.687,"body":"score and keeping track of what I'm doing"},{"speaker":"Ace Hagerty","startTime":602.692,"endTime":608.147,"body":"so that by the end of this a hundred days,"},{"speaker":"Ace Hagerty","startTime":602.692,"endTime":608.147,"body":"I come out of it completely transformed."},{"speaker":"Ace Hagerty","startTime":608.207,"endTime":609.907,"body":"And that's what this process does."},{"speaker":"Ace Hagerty","startTime":610.477,"endTime":614.287,"body":"And by having the daily discipline, so I"},{"speaker":"Ace Hagerty","startTime":610.477,"endTime":614.287,"body":"was getting up at five 30 every morning."},{"speaker":"Ace Hagerty","startTime":614.992,"endTime":618.412,"body":"Now I get up, I think"},{"speaker":"Ace Hagerty","startTime":614.992,"endTime":618.412,"body":"usually around 4, 4 30."},{"speaker":"Ace Hagerty","startTime":618.412,"endTime":620.272,"body":"So I've stepped it up since then."},{"speaker":"Ace Hagerty","startTime":620.602,"endTime":620.842,"body":"This was."},{"speaker":"Average Joe Finances","startTime":620.842,"endTime":622.762,"body":"That sounds like"},{"speaker":"Average Joe Finances","startTime":620.842,"endTime":622.762,"body":"when I was active duty in the Navy."},{"speaker":"Ace Hagerty","startTime":623.242,"endTime":623.602,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":623.662,"endTime":625.132,"body":"This, that's what time was getting."},{"speaker":"Ace Hagerty","startTime":625.822,"endTime":626.182,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":626.272,"endTime":628.922,"body":"I'm like Jocko or Goggins."},{"speaker":"Ace Hagerty","startTime":628.922,"endTime":629.762,"body":"I love those guys."},{"speaker":"Ace Hagerty","startTime":629.762,"endTime":630.242,"body":"So yeah."},{"speaker":"Ace Hagerty","startTime":630.242,"endTime":630.542,"body":"Getting up."},{"speaker":"Average Joe Finances","startTime":630.542,"endTime":631.262,"body":"Oh yeah, they're great."},{"speaker":"Ace Hagerty","startTime":632.012,"endTime":632.282,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":632.342,"endTime":635.642,"body":"Mark Wahlberg, I think gets"},{"speaker":"Ace Hagerty","startTime":632.342,"endTime":635.642,"body":"up at 2:30 AM every morning."},{"speaker":"Ace Hagerty","startTime":636.032,"endTime":638.572,"body":"So I was like, yeah, I'm on"},{"speaker":"Ace Hagerty","startTime":636.032,"endTime":638.572,"body":"Mark Wahlberg time just had a"},{"speaker":"Ace Hagerty","startTime":638.572,"endTime":640.042,"body":"couple hours cuz of time zones."},{"speaker":"Ace Hagerty","startTime":640.702,"endTime":645.232,"body":"So anyways, for the a hundred days, I"},{"speaker":"Ace Hagerty","startTime":640.702,"endTime":645.232,"body":"would just, I had this checklist and I"},{"speaker":"Ace Hagerty","startTime":645.292,"endTime":650.182,"body":"literally printed it out, paper, laminated"},{"speaker":"Ace Hagerty","startTime":645.292,"endTime":650.182,"body":"it so I can check everything off and"},{"speaker":"Ace Hagerty","startTime":650.182,"endTime":651.562,"body":"then wipe it off at the end of the day."},{"speaker":"Ace Hagerty","startTime":651.892,"endTime":656.122,"body":"So I just had a list of"},{"speaker":"Ace Hagerty","startTime":651.892,"endTime":656.122,"body":"things I will do every day."},{"speaker":"Ace Hagerty","startTime":656.122,"endTime":659.962,"body":"So get up at five 30, go"},{"speaker":"Ace Hagerty","startTime":656.122,"endTime":659.962,"body":"to the gym, read my Bible."},{"speaker":"Ace Hagerty","startTime":660.832,"endTime":664.792,"body":"Do an hour of studying every day"},{"speaker":"Ace Hagerty","startTime":660.832,"endTime":664.792,"body":"because for my book, I needed to"},{"speaker":"Ace Hagerty","startTime":664.792,"endTime":668.002,"body":"do a lot of research and then do"},{"speaker":"Ace Hagerty","startTime":664.792,"endTime":668.002,"body":"an hour of writing every day, which"},{"speaker":"Ace Hagerty","startTime":668.122,"endTime":670.312,"body":"equated to about 300 words a day."},{"speaker":"Ace Hagerty","startTime":671.002,"endTime":673.702,"body":"And so I just had all these"},{"speaker":"Ace Hagerty","startTime":671.002,"endTime":673.702,"body":"things that I needed to do because"},{"speaker":"Ace Hagerty","startTime":673.707,"endTime":675.082,"body":"I planned 'em out properly."},{"speaker":"Ace Hagerty","startTime":675.382,"endTime":677.512,"body":"I had my goals and I had my why Now."},{"speaker":"Ace Hagerty","startTime":677.512,"endTime":680.242,"body":"Originally, my why was"},{"speaker":"Ace Hagerty","startTime":677.512,"endTime":680.242,"body":"to save my marriage."},{"speaker":"Ace Hagerty","startTime":680.602,"endTime":683.722,"body":"But to be completely transparent,"},{"speaker":"Ace Hagerty","startTime":680.602,"endTime":683.722,"body":"I am a spiritual person."},{"speaker":"Ace Hagerty","startTime":684.112,"endTime":688.432,"body":"My why turned into even something that was"},{"speaker":"Ace Hagerty","startTime":684.112,"endTime":688.432,"body":"more important than saving my marriage."},{"speaker":"Ace Hagerty","startTime":688.702,"endTime":694.822,"body":"It was saving my soul because I had"},{"speaker":"Ace Hagerty","startTime":688.702,"endTime":694.822,"body":"gone 38 years and I'm high achiever."},{"speaker":"Ace Hagerty","startTime":694.822,"endTime":697.792,"body":"I went to uc, Berkeley for my"},{"speaker":"Ace Hagerty","startTime":694.822,"endTime":697.792,"body":"master's in structural engineering."},{"speaker":"Ace Hagerty","startTime":698.052,"endTime":701.412,"body":"I have all these wonderful"},{"speaker":"Ace Hagerty","startTime":698.052,"endTime":701.412,"body":"accolades, whatever, who cares?"},{"speaker":"Ace Hagerty","startTime":701.802,"endTime":702.972,"body":"What are the results in life?"},{"speaker":"Ace Hagerty","startTime":703.587,"endTime":707.127,"body":"I was getting to be almost close to"},{"speaker":"Ace Hagerty","startTime":703.587,"endTime":707.127,"body":"40 years old and I look back on my"},{"speaker":"Ace Hagerty","startTime":707.127,"endTime":708.807,"body":"life and I had to ask myself question."},{"speaker":"Ace Hagerty","startTime":708.807,"endTime":711.837,"body":"If I died today, would I be"},{"speaker":"Ace Hagerty","startTime":708.807,"endTime":711.837,"body":"proud of the person that I was?"},{"speaker":"Ace Hagerty","startTime":711.837,"endTime":717.837,"body":"And yeah, I didn't get in trouble with"},{"speaker":"Ace Hagerty","startTime":711.837,"endTime":717.837,"body":"the law and I provided for my family"},{"speaker":"Ace Hagerty","startTime":717.837,"endTime":721.737,"body":"and everything, but truly did I do"},{"speaker":"Ace Hagerty","startTime":717.837,"endTime":721.737,"body":"anything remarkable that when if I got"},{"speaker":"Ace Hagerty","startTime":721.742,"endTime":726.987,"body":"hit by a bus today, would I have left"},{"speaker":"Ace Hagerty","startTime":721.742,"endTime":726.987,"body":"an impression on the world at large?"},{"speaker":"Ace Hagerty","startTime":726.987,"endTime":727.887,"body":"Like a big impression?"},{"speaker":"Ace Hagerty","startTime":727.887,"endTime":728.967,"body":"Cuz that's what I want to do."},{"speaker":"Ace Hagerty","startTime":728.967,"endTime":730.437,"body":"I wanna leave a big impression."},{"speaker":"Ace Hagerty","startTime":730.872,"endTime":732.372,"body":"On this world when I die."},{"speaker":"Ace Hagerty","startTime":732.762,"endTime":735.692,"body":"And I honestly, I was like I"},{"speaker":"Ace Hagerty","startTime":732.762,"endTime":735.692,"body":"haven't, I've been selfish."},{"speaker":"Ace Hagerty","startTime":736.337,"endTime":737.567,"body":"I haven't been giving enough."},{"speaker":"Ace Hagerty","startTime":737.627,"endTime":741.047,"body":"That's because I haven't been growing"},{"speaker":"Ace Hagerty","startTime":737.627,"endTime":741.047,"body":"enough and loving myself enough."},{"speaker":"Ace Hagerty","startTime":741.052,"endTime":746.237,"body":"So this a hundred days is a way to take"},{"speaker":"Ace Hagerty","startTime":741.052,"endTime":746.237,"body":"back my life, to be in control of my"},{"speaker":"Ace Hagerty","startTime":746.237,"endTime":750.797,"body":"life, to get over all these obstacles"},{"speaker":"Ace Hagerty","startTime":746.237,"endTime":750.797,"body":"that have been just stopping me year"},{"speaker":"Ace Hagerty","startTime":750.797,"endTime":752.267,"body":"after year, not writing the book."},{"speaker":"Ace Hagerty","startTime":752.387,"endTime":755.537,"body":"One thing, at the end of the a hundred"},{"speaker":"Ace Hagerty","startTime":752.387,"endTime":755.537,"body":"day challenge, I told myself as a"},{"speaker":"Ace Hagerty","startTime":755.537,"endTime":758.207,"body":"celebration, I would hike a tall mountain."},{"speaker":"Ace Hagerty","startTime":758.657,"endTime":763.007,"body":"And so at the end of it, I finished"},{"speaker":"Ace Hagerty","startTime":758.657,"endTime":763.007,"body":"it, transformed, did the whole thing,"},{"speaker":"Ace Hagerty","startTime":763.217,"endTime":769.217,"body":"and as a celebration, I hiked a 14 er,"},{"speaker":"Ace Hagerty","startTime":763.217,"endTime":769.217,"body":"which is a 14,000 foot summit mountain."},{"speaker":"Ace Hagerty","startTime":769.397,"endTime":770.867,"body":"They have a whole bunch in Colorado."},{"speaker":"Ace Hagerty","startTime":771.347,"endTime":774.557,"body":"And my buddy who did it with me,"},{"speaker":"Ace Hagerty","startTime":771.347,"endTime":774.557,"body":"him and I were like, when we get"},{"speaker":"Ace Hagerty","startTime":774.562,"endTime":777.437,"body":"through these a hundred days, we'll"},{"speaker":"Ace Hagerty","startTime":774.562,"endTime":777.437,"body":"celebrate by hiking this mountain."},{"speaker":"Ace Hagerty","startTime":777.687,"endTime":783.292,"body":"People didn't tell me that in April in"},{"speaker":"Ace Hagerty","startTime":777.687,"endTime":783.292,"body":"the Rockies there's still a ton of snow."},{"speaker":"Ace Hagerty","startTime":783.742,"endTime":787.792,"body":"And so we not only hiked up a 14,000"},{"speaker":"Ace Hagerty","startTime":783.742,"endTime":787.792,"body":"foot mountain, which I've never"},{"speaker":"Ace Hagerty","startTime":787.792,"endTime":791.752,"body":"done, I've only hiked a couple miles"},{"speaker":"Ace Hagerty","startTime":787.792,"endTime":791.752,"body":"on flat ground ever in my life."},{"speaker":"Ace Hagerty","startTime":792.392,"endTime":798.082,"body":"We had to do it in snowshoes,"},{"speaker":"Ace Hagerty","startTime":792.392,"endTime":798.082,"body":"and in crazy weather as well."},{"speaker":"Ace Hagerty","startTime":798.292,"endTime":800.482,"body":"And that was another thing."},{"speaker":"Ace Hagerty","startTime":800.482,"endTime":803.062,"body":"I got to cross off my bucket list"},{"speaker":"Ace Hagerty","startTime":800.482,"endTime":803.062,"body":"throughout this whole process."},{"speaker":"Ace Hagerty","startTime":803.062,"endTime":806.512,"body":"Write the book, climb the"},{"speaker":"Ace Hagerty","startTime":803.062,"endTime":806.512,"body":"mountain, lose the gut."},{"speaker":"Ace Hagerty","startTime":806.602,"endTime":809.512,"body":"I did all of these"},{"speaker":"Ace Hagerty","startTime":806.602,"endTime":809.512,"body":"things in a hundred days."},{"speaker":"Ace Hagerty","startTime":809.512,"endTime":810.292,"body":"I couldn't believe it."},{"speaker":"Ace Hagerty","startTime":810.292,"endTime":813.322,"body":"At the end of it, it"},{"speaker":"Ace Hagerty","startTime":810.292,"endTime":813.322,"body":"completely transformed my life."},{"speaker":"Ace Hagerty","startTime":813.772,"endTime":815.002,"body":"And real estate is great."},{"speaker":"Ace Hagerty","startTime":815.182,"endTime":818.962,"body":"Finances are great, but if you're"},{"speaker":"Ace Hagerty","startTime":815.182,"endTime":818.962,"body":"not taking control of your life"},{"speaker":"Ace Hagerty","startTime":818.962,"endTime":822.352,"body":"and doing the things you need to"},{"speaker":"Ace Hagerty","startTime":818.962,"endTime":822.352,"body":"do consistently every single day."},{"speaker":"Ace Hagerty","startTime":823.222,"endTime":827.272,"body":"All this stuff, real estate, finances,"},{"speaker":"Ace Hagerty","startTime":823.222,"endTime":827.272,"body":"that's just a byproduct of who you"},{"speaker":"Ace Hagerty","startTime":827.272,"endTime":831.412,"body":"show up as every single day of your"},{"speaker":"Ace Hagerty","startTime":827.272,"endTime":831.412,"body":"life and every day we have a choice."},{"speaker":"Ace Hagerty","startTime":831.502,"endTime":832.932,"body":"We have a choice of what we don't do."},{"speaker":"Ace Hagerty","startTime":832.932,"endTime":834.812,"body":"Yeah, sometimes it's hard."},{"speaker":"Ace Hagerty","startTime":835.172,"endTime":837.342,"body":"I did not want to get up"},{"speaker":"Ace Hagerty","startTime":835.172,"endTime":837.342,"body":"at 5:30, get up at 5:30."},{"speaker":"Ace Hagerty","startTime":837.367,"endTime":839.972,"body":"I used to sit up at the beginning"},{"speaker":"Ace Hagerty","startTime":837.367,"endTime":839.972,"body":"of a hundred day challenge,"},{"speaker":"cuz I was used to 6","startTime":839.977,"endTime":842.012,"body":"37.."},{"speaker":"cuz I was used to 6","startTime":842.642,"endTime":845.432,"body":"I used to sit up and I just,"},{"speaker":"cuz I was used to 6","startTime":842.642,"endTime":845.432,"body":"I couldn't keep my eyes open."},{"speaker":"cuz I was used to 6","startTime":845.432,"endTime":847.292,"body":"I would just be like"},{"speaker":"cuz I was used to 6","startTime":845.432,"endTime":847.292,"body":"rocking back and forth."},{"speaker":"cuz I was used to 6","startTime":847.297,"endTime":849.967,"body":"Just like if you sit up"},{"speaker":"cuz I was used to 6","startTime":847.297,"endTime":849.967,"body":"for a couple minutes."},{"speaker":"cuz I was used to 6","startTime":850.882,"endTime":856.662,"body":"You won't go back to sleep and you will"},{"speaker":"cuz I was used to 6","startTime":850.882,"endTime":856.662,"body":"get up and eventually it got better."},{"speaker":"cuz I was used to 6","startTime":857.262,"endTime":858.912,"body":"But yeah, it's hard to change your habits."},{"speaker":"cuz I was used to 6","startTime":858.912,"endTime":863.082,"body":"Your body is so wired to what it"},{"speaker":"cuz I was used to 6","startTime":858.912,"endTime":863.082,"body":"was used to doing for so long."},{"speaker":"cuz I was used to 6","startTime":863.562,"endTime":865.452,"body":"It's not easy, but it does get easier."},{"speaker":"cuz I was used to 6","startTime":865.692,"endTime":870.012,"body":"By the time I hit day 30, 40, 50,"},{"speaker":"cuz I was used to 6","startTime":865.692,"endTime":870.012,"body":"like I was on a roll, I was like,"},{"speaker":"cuz I was used to 6","startTime":870.012,"endTime":871.752,"body":"man, I could do this all day long."},{"speaker":"cuz I was used to 6","startTime":872.367,"endTime":876.747,"body":"And that's when you really get"},{"speaker":"cuz I was used to 6","startTime":872.367,"endTime":876.747,"body":"the empowerment, the inspiration."},{"speaker":"cuz I was used to 6","startTime":876.747,"endTime":880.617,"body":"And I could get into the specifics"},{"speaker":"cuz I was used to 6","startTime":876.747,"endTime":880.617,"body":"of what's going on in your body with"},{"speaker":"cuz I was used to 6","startTime":880.617,"endTime":884.937,"body":"dopamine release, adrenaline release,"},{"speaker":"cuz I was used to 6","startTime":880.617,"endTime":884.937,"body":"all these great neurochemicals that"},{"speaker":"cuz I was used to 6","startTime":884.937,"endTime":888.537,"body":"really keep you motivated and keep"},{"speaker":"cuz I was used to 6","startTime":884.937,"endTime":888.537,"body":"you going and keep you energized."},{"speaker":"cuz I was used to 6","startTime":888.587,"endTime":892.087,"body":"But you start to gain"},{"speaker":"cuz I was used to 6","startTime":888.587,"endTime":892.087,"body":"momentum and that is powerful."},{"speaker":"cuz I was used to 6","startTime":892.117,"endTime":894.222,"body":"And I wrote it in my book."},{"speaker":"cuz I was used to 6","startTime":894.272,"endTime":897.092,"body":"It's about my journey, but"},{"speaker":"cuz I was used to 6","startTime":894.272,"endTime":897.092,"body":"it's also about people."},{"speaker":"cuz I was used to 6","startTime":897.182,"endTime":898.952,"body":"A lot of people call it biohacking."},{"speaker":"cuz I was used to 6","startTime":899.162,"endTime":903.032,"body":"I just call it giving what God gave"},{"speaker":"cuz I was used to 6","startTime":899.162,"endTime":903.032,"body":"you and really leveraging your nervous"},{"speaker":"cuz I was used to 6","startTime":903.032,"endTime":906.692,"body":"system, changing your nervous system,"},{"speaker":"cuz I was used to 6","startTime":903.032,"endTime":906.692,"body":"using the right neurochemicals, the"},{"speaker":"cuz I was used to 6","startTime":906.692,"endTime":910.412,"body":"right tools to get your energy levels up."},{"speaker":"cuz I was used to 6","startTime":910.442,"endTime":914.802,"body":"Like I was only eating 1700"},{"speaker":"cuz I was used to 6","startTime":910.442,"endTime":914.802,"body":"calories, like I'm 5'10\"."},{"speaker":"cuz I was used to 6","startTime":914.822,"endTime":915.842,"body":"I'm not a big guy."},{"speaker":"cuz I was used to 6","startTime":916.262,"endTime":918.662,"body":"But 1700 calories is nothing."},{"speaker":"cuz I was used to 6","startTime":918.662,"endTime":920.042,"body":"I was trying to lose weight."},{"speaker":"cuz I was used to 6","startTime":920.462,"endTime":925.292,"body":"I stopped drinking caffeine, so I"},{"speaker":"cuz I was used to 6","startTime":920.462,"endTime":925.292,"body":"was doing things like cold showers,"},{"speaker":"cuz I was used to 6","startTime":925.562,"endTime":927.362,"body":"Wim Hof, breathing, all these things."},{"speaker":"cuz I was used to 6","startTime":927.362,"endTime":929.727,"body":"I talk about how you"},{"speaker":"cuz I was used to 6","startTime":927.362,"endTime":929.727,"body":"can do it in the book."},{"speaker":"cuz I was used to 6","startTime":929.727,"endTime":937.077,"body":"But I had more energy with no fuel in my"},{"speaker":"cuz I was used to 6","startTime":929.727,"endTime":937.077,"body":"body, no caffeine in my body, no sugar."},{"speaker":"cuz I was used to 6","startTime":937.137,"endTime":941.517,"body":"I didn't eat any sugar,"},{"speaker":"cuz I was used to 6","startTime":937.137,"endTime":941.517,"body":"any artificial sugar, and."},{"speaker":"cuz I was used to 6","startTime":941.952,"endTime":945.642,"body":"I had more energy at the age"},{"speaker":"cuz I was used to 6","startTime":941.952,"endTime":945.642,"body":"of 38 than I did throughout my"},{"speaker":"cuz I was used to 6","startTime":945.647,"endTime":946.842,"body":"entire twenties and thirties."},{"speaker":"cuz I was used to 6","startTime":946.872,"endTime":948.312,"body":"It was, it blew my mind."},{"speaker":"cuz I was used to 6","startTime":948.312,"endTime":953.292,"body":"I couldn't believe it until it actually"},{"speaker":"cuz I was used to 6","startTime":948.312,"endTime":953.292,"body":"happened, and I, it took faith just"},{"speaker":"cuz I was used to 6","startTime":953.292,"endTime":958.662,"body":"to know, having faith in my coach,"},{"speaker":"cuz I was used to 6","startTime":953.292,"endTime":958.662,"body":"my mentor, my group, my trainer, all,"},{"speaker":"cuz I was used to 6","startTime":958.782,"endTime":964.212,"body":"everybody I surrounded myself with"},{"speaker":"cuz I was used to 6","startTime":958.782,"endTime":964.212,"body":"having complete faith cuz trust me."},{"speaker":"cuz I was used to 6","startTime":964.632,"endTime":968.522,"body":"I think I know better every, most"},{"speaker":"cuz I was used to 6","startTime":964.632,"endTime":968.522,"body":"people think they know better, but."},{"speaker":"Average Joe Finances","startTime":968.642,"endTime":968.822,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":969.032,"endTime":969.842,"body":"A lot of times we don't."},{"speaker":"Ace Hagerty","startTime":969.842,"endTime":971.282,"body":"That's just us lying to ourselves."},{"speaker":"Ace Hagerty","startTime":971.282,"endTime":972.422,"body":"That's our ego kicking in."},{"speaker":"Ace Hagerty","startTime":973.472,"endTime":973.772,"body":"So."},{"speaker":"Average Joe Finances","startTime":973.772,"endTime":976.052,"body":"That's,"},{"speaker":"Average Joe Finances","startTime":973.772,"endTime":976.052,"body":"yeah, that's, that's phenomenal."},{"speaker":"Average Joe Finances","startTime":976.102,"endTime":976.822,"body":"What a background."},{"speaker":"Average Joe Finances","startTime":976.872,"endTime":979.032,"body":"Probably one of the longer"},{"speaker":"Average Joe Finances","startTime":976.872,"endTime":979.032,"body":"ones I've had on the show, but"},{"speaker":"Average Joe Finances","startTime":979.032,"endTime":980.682,"body":"man, so worth it to hear that."},{"speaker":"Average Joe Finances","startTime":980.682,"endTime":984.532,"body":"To hear your story because I'm sitting"},{"speaker":"Average Joe Finances","startTime":980.682,"endTime":984.532,"body":"here taking notes as you're going."},{"speaker":"Average Joe Finances","startTime":984.537,"endTime":986.812,"body":"So there, there's a lot"},{"speaker":"Average Joe Finances","startTime":984.537,"endTime":986.812,"body":"to unpack here, right?"},{"speaker":"Average Joe Finances","startTime":987.292,"endTime":991.402,"body":"You were experiencing like"},{"speaker":"Average Joe Finances","startTime":987.292,"endTime":991.402,"body":"that ultimate burnout, right?"},{"speaker":"Average Joe Finances","startTime":991.432,"endTime":996.772,"body":"Of trying to balance your W-2"},{"speaker":"Average Joe Finances","startTime":991.432,"endTime":996.772,"body":"day job and then all the real"},{"speaker":"Average Joe Finances","startTime":996.772,"endTime":997.942,"body":"estate businesses you were doing."},{"speaker":"Average Joe Finances","startTime":997.942,"endTime":999.372,"body":"It was controlling your life."},{"speaker":"Average Joe Finances","startTime":999.562,"endTime":1003.532,"body":"And then your your spouse at the"},{"speaker":"Average Joe Finances","startTime":999.562,"endTime":1003.532,"body":"time came to you and said, Hey,"},{"speaker":"Average Joe Finances","startTime":1003.592,"endTime":1005.427,"body":"like this is not working right."},{"speaker":"Average Joe Finances","startTime":1005.907,"endTime":1010.257,"body":"And I feel like this kind of message"},{"speaker":"Average Joe Finances","startTime":1005.907,"endTime":1010.257,"body":"will resonate with a lot of people"},{"speaker":"Average Joe Finances","startTime":1010.262,"endTime":1015.267,"body":"that listen to this show that might"},{"speaker":"Average Joe Finances","startTime":1010.262,"endTime":1015.267,"body":"be, burning the candle at both ends"},{"speaker":"Average Joe Finances","startTime":1015.267,"endTime":1017.427,"body":"and, firing off all cylinders at once."},{"speaker":"Average Joe Finances","startTime":1017.427,"endTime":1018.867,"body":"We all know the sayings right?"},{"speaker":"Average Joe Finances","startTime":1019.347,"endTime":1019.827,"body":"And."},{"speaker":"Average Joe Finances","startTime":1020.777,"endTime":1023.522,"body":"I feel like a lot of people will"},{"speaker":"Average Joe Finances","startTime":1020.777,"endTime":1023.522,"body":"really resonate with your message,"},{"speaker":"Average Joe Finances","startTime":1023.702,"endTime":1025.022,"body":"which is why it's so important."},{"speaker":"Average Joe Finances","startTime":1025.262,"endTime":1031.072,"body":"And, you wound up taking a step back and"},{"speaker":"Average Joe Finances","startTime":1025.262,"endTime":1031.072,"body":"taking control by doing this challenge."},{"speaker":"Average Joe Finances","startTime":1031.102,"endTime":1033.627,"body":"And I wanted to say something"},{"speaker":"Average Joe Finances","startTime":1031.102,"endTime":1033.627,"body":"while you were saying this, but I"},{"speaker":"Average Joe Finances","startTime":1033.627,"endTime":1039.757,"body":"let you finish, but you ended this"},{"speaker":"Average Joe Finances","startTime":1033.627,"endTime":1039.757,"body":"challenge with a challenge, right?"},{"speaker":"Average Joe Finances","startTime":1039.757,"endTime":1041.347,"body":"So to celebrate Yeah."},{"speaker":"Average Joe Finances","startTime":1041.347,"endTime":1043.507,"body":"You wind up doing something"},{"speaker":"Average Joe Finances","startTime":1041.347,"endTime":1043.507,"body":"you've never done before."},{"speaker":"Average Joe Finances","startTime":1043.757,"endTime":1045.702,"body":"For a lot of people would"},{"speaker":"Average Joe Finances","startTime":1043.757,"endTime":1045.702,"body":"look at that as being insane."},{"speaker":"Average Joe Finances","startTime":1045.752,"endTime":1048.902,"body":"But you said, no this is what I"},{"speaker":"Average Joe Finances","startTime":1045.752,"endTime":1048.902,"body":"committed to, and I'm gonna do it."},{"speaker":"Average Joe Finances","startTime":1049.232,"endTime":1052.562,"body":"And I think that's probably the biggest"},{"speaker":"Average Joe Finances","startTime":1049.232,"endTime":1052.562,"body":"takeaway from this was your commitment"},{"speaker":"Average Joe Finances","startTime":1053.042,"endTime":1055.142,"body":"throughout the entire challenge, right?"},{"speaker":"Average Joe Finances","startTime":1055.362,"endTime":1057.987,"body":"Not only your commitment, but your"},{"speaker":"Average Joe Finances","startTime":1055.362,"endTime":1057.987,"body":"commitment to yourself, but also"},{"speaker":"Average Joe Finances","startTime":1057.992,"endTime":1059.367,"body":"your commitment to your coach, right?"},{"speaker":"Average Joe Finances","startTime":1059.607,"endTime":1063.207,"body":"Because if you can't commit to"},{"speaker":"Average Joe Finances","startTime":1059.607,"endTime":1063.207,"body":"yourself, you're not gonna be"},{"speaker":"Average Joe Finances","startTime":1063.207,"endTime":1064.947,"body":"able to commit to someone else."},{"speaker":"Average Joe Finances","startTime":1065.287,"endTime":1069.852,"body":"I think you took that, that self"},{"speaker":"Average Joe Finances","startTime":1065.287,"endTime":1069.852,"body":"motivation and that self commitment"},{"speaker":"Average Joe Finances","startTime":1069.857,"endTime":1071.832,"body":"and that self-love that you needed."},{"speaker":"Average Joe Finances","startTime":1072.372,"endTime":1075.462,"body":"Took care of yourself first, and then"},{"speaker":"Average Joe Finances","startTime":1072.372,"endTime":1075.462,"body":"you were able to give it to others."},{"speaker":"Average Joe Finances","startTime":1075.512,"endTime":1079.412,"body":"But the fact that you were able"},{"speaker":"Average Joe Finances","startTime":1075.512,"endTime":1079.412,"body":"to say, Hey, coach, just tell me"},{"speaker":"Average Joe Finances","startTime":1079.412,"endTime":1080.612,"body":"what to do and I'm gonna do it."},{"speaker":"Average Joe Finances","startTime":1080.892,"endTime":1083.202,"body":"You just handed off all"},{"speaker":"Average Joe Finances","startTime":1080.892,"endTime":1083.202,"body":"of that to, to them."},{"speaker":"Average Joe Finances","startTime":1083.482,"endTime":1086.917,"body":"That also proved that you really trusted"},{"speaker":"Average Joe Finances","startTime":1083.482,"endTime":1086.917,"body":"them, that they were gonna make the right"},{"speaker":"Average Joe Finances","startTime":1086.917,"endTime":1088.987,"body":"decision for you in your best interest."},{"speaker":"Average Joe Finances","startTime":1088.987,"endTime":1091.987,"body":"So obviously finding the"},{"speaker":"Average Joe Finances","startTime":1088.987,"endTime":1091.987,"body":"right coaches super huge."},{"speaker":"Average Joe Finances","startTime":1092.467,"endTime":1096.497,"body":"I wanna get into one of the things"},{"speaker":"Average Joe Finances","startTime":1092.467,"endTime":1096.497,"body":"you talked about too was the momentum"},{"speaker":"Average Joe Finances","startTime":1096.587,"endTime":1097.997,"body":"that you started building up, right?"},{"speaker":"Average Joe Finances","startTime":1098.267,"endTime":1100.747,"body":"As you were going the"},{"speaker":"Average Joe Finances","startTime":1098.267,"endTime":1100.747,"body":"momentum's one thing, right?"},{"speaker":"Average Joe Finances","startTime":1100.747,"endTime":1101.977,"body":"So you talked about that."},{"speaker":"Average Joe Finances","startTime":1102.247,"endTime":1107.197,"body":"What I wanna really know is, as you were"},{"speaker":"Average Joe Finances","startTime":1102.247,"endTime":1107.197,"body":"doing this right, cuz you still had your"},{"speaker":"Average Joe Finances","startTime":1107.197,"endTime":1109.537,"body":"businesses going, you were still working."},{"speaker":"Average Joe Finances","startTime":1110.227,"endTime":1115.207,"body":"Where did you find the balance while"},{"speaker":"Average Joe Finances","startTime":1110.227,"endTime":1115.207,"body":"you were doing the challenge, right?"},{"speaker":"Average Joe Finances","startTime":1115.207,"endTime":1122.017,"body":"So after you started, how did you juggle"},{"speaker":"Average Joe Finances","startTime":1115.207,"endTime":1122.017,"body":"everything else while still doing what"},{"speaker":"Average Joe Finances","startTime":1122.017,"endTime":1123.027,"body":"you were doing with the challenge?"},{"speaker":"Ace Hagerty","startTime":1124.137,"endTime":1125.527,"body":"Year, No"},{"speaker":"Ace Hagerty","startTime":1124.137,"endTime":1125.527,"body":"that's a great question."},{"speaker":"Ace Hagerty","startTime":1126.157,"endTime":1133.117,"body":"One thing that people can do that's"},{"speaker":"Ace Hagerty","startTime":1126.157,"endTime":1133.117,"body":"easier said than done is you can get"},{"speaker":"Ace Hagerty","startTime":1133.117,"endTime":1136.417,"body":"up earlier or you can stay up later."},{"speaker":"Ace Hagerty","startTime":1137.257,"endTime":1142.297,"body":"Now, if you're taking care of your body"},{"speaker":"Ace Hagerty","startTime":1137.257,"endTime":1142.297,"body":"diet, taking care of your body, exercise,"},{"speaker":"Ace Hagerty","startTime":1143.197,"endTime":1146.557,"body":"taking care of your mind, making sure"},{"speaker":"Ace Hagerty","startTime":1143.197,"endTime":1146.557,"body":"you're not stressing out too much."},{"speaker":"Ace Hagerty","startTime":1147.607,"endTime":1149.737,"body":"You can go with less sleep."},{"speaker":"Ace Hagerty","startTime":1149.737,"endTime":1153.427,"body":"I always thought I needed minimally"},{"speaker":"Ace Hagerty","startTime":1149.737,"endTime":1153.427,"body":"eight, nine plus hours of sleep"},{"speaker":"Ace Hagerty","startTime":1154.087,"endTime":1155.887,"body":"and so I would get up earlier."},{"speaker":"Ace Hagerty","startTime":1156.097,"endTime":1159.547,"body":"So I was, like I said, get up"},{"speaker":"Ace Hagerty","startTime":1156.097,"endTime":1159.547,"body":"at five 30 and then I'd stay"},{"speaker":"Ace Hagerty","startTime":1159.547,"endTime":1161.167,"body":"up till about nine, 10 o'clock."},{"speaker":"Ace Hagerty","startTime":1161.167,"endTime":1163.417,"body":"On average I was getting"},{"speaker":"Ace Hagerty","startTime":1161.167,"endTime":1163.417,"body":"about six hours of sleep."},{"speaker":"Ace Hagerty","startTime":1164.227,"endTime":1168.847,"body":"But what I learned through studying about"},{"speaker":"Ace Hagerty","startTime":1164.227,"endTime":1168.847,"body":"sleep is we get do it in 90 minute cycles."},{"speaker":"Ace Hagerty","startTime":1169.207,"endTime":1171.697,"body":"So six hours is four cycles."},{"speaker":"Ace Hagerty","startTime":1171.997,"endTime":1176.017,"body":"I get enough sleep cycles in, I"},{"speaker":"Ace Hagerty","startTime":1171.997,"endTime":1176.017,"body":"get the REM sleep that I need."},{"speaker":"Ace Hagerty","startTime":1176.587,"endTime":1180.787,"body":"Then I found out, hey, I actually,"},{"speaker":"Ace Hagerty","startTime":1176.587,"endTime":1180.787,"body":"I don't really need as much sleep"},{"speaker":"Ace Hagerty","startTime":1180.787,"endTime":1185.147,"body":"as I thought I used to need as"},{"speaker":"Ace Hagerty","startTime":1180.787,"endTime":1185.147,"body":"long as I'm not, I cut alcohol out."},{"speaker":"Ace Hagerty","startTime":1185.217,"endTime":1188.752,"body":"So I'm not going out and"},{"speaker":"Ace Hagerty","startTime":1185.217,"endTime":1188.752,"body":"drinking or watching tv."},{"speaker":"Ace Hagerty","startTime":1188.757,"endTime":1193.767,"body":"Another thing that I took out was"},{"speaker":"Ace Hagerty","startTime":1188.757,"endTime":1193.767,"body":"watching TV at night for the sleep reason."},{"speaker":"Ace Hagerty","startTime":1194.007,"endTime":1197.577,"body":"So I stopped looking at screens"},{"speaker":"Ace Hagerty","startTime":1194.007,"endTime":1197.577,"body":"two hours before I went to sleep."},{"speaker":"Ace Hagerty","startTime":1198.207,"endTime":1203.217,"body":"I'd go to sleep in a certain time"},{"speaker":"Ace Hagerty","startTime":1198.207,"endTime":1203.217,"body":"window, and so that by itself opened up."},{"speaker":"Ace Hagerty","startTime":1203.847,"endTime":1204.927,"body":"A whole bunch of hours."},{"speaker":"Ace Hagerty","startTime":1204.927,"endTime":1210.417,"body":"Now, just as important as doing"},{"speaker":"Ace Hagerty","startTime":1204.927,"endTime":1210.417,"body":"something like that is a lot of"},{"speaker":"Ace Hagerty","startTime":1210.417,"endTime":1211.857,"body":"people call it time management."},{"speaker":"Ace Hagerty","startTime":1211.977,"endTime":1213.447,"body":"I call it yes management."},{"speaker":"Ace Hagerty","startTime":1213.897,"endTime":1215.187,"body":"What am I saying yes to?"},{"speaker":"Ace Hagerty","startTime":1215.187,"endTime":1218.997,"body":"Because if we say yes to everything"},{"speaker":"Ace Hagerty","startTime":1215.187,"endTime":1218.997,"body":"and not just the most important"},{"speaker":"Ace Hagerty","startTime":1219.002,"endTime":1222.117,"body":"yeses, that can just kill our days."},{"speaker":"Ace Hagerty","startTime":1222.747,"endTime":1228.537,"body":"And so I really had to be intentional"},{"speaker":"Ace Hagerty","startTime":1222.747,"endTime":1228.537,"body":"and purposeful about what I said yes to."},{"speaker":"Ace Hagerty","startTime":1229.587,"endTime":1232.517,"body":"And you had mentioned the W-2 job."},{"speaker":"Ace Hagerty","startTime":1233.822,"endTime":1237.542,"body":"The engineering business was my own"},{"speaker":"Ace Hagerty","startTime":1233.822,"endTime":1237.542,"body":"business, so it wasn't technically a W-2,"},{"speaker":"Ace Hagerty","startTime":1237.542,"endTime":1243.542,"body":"but for anyone who the reason I bring"},{"speaker":"Ace Hagerty","startTime":1237.542,"endTime":1243.542,"body":"that up is most solo entrepreneurs, that"},{"speaker":"Ace Hagerty","startTime":1243.542,"endTime":1246.272,"body":"business was a solo entrepreneur business."},{"speaker":"Ace Hagerty","startTime":1246.482,"endTime":1248.342,"body":"So meaning I do everything."},{"speaker":"Average Joe Finances","startTime":1248.347,"endTime":1250.262,"body":"It's not"},{"speaker":"Average Joe Finances","startTime":1248.347,"endTime":1250.262,"body":"40 hours a week, it's much more."},{"speaker":"Ace Hagerty","startTime":1251.102,"endTime":1255.722,"body":"And on top of it, your"},{"speaker":"Ace Hagerty","startTime":1251.102,"endTime":1255.722,"body":"boss goes from being like a normal boss."},{"speaker":"Ace Hagerty","startTime":1256.232,"endTime":1260.192,"body":"Your clients become your boss, and"},{"speaker":"Ace Hagerty","startTime":1256.232,"endTime":1260.192,"body":"if you can't manage those bosses,"},{"speaker":"Ace Hagerty","startTime":1260.822,"endTime":1263.612,"body":"Just say yes, because I love"},{"speaker":"Ace Hagerty","startTime":1260.822,"endTime":1263.612,"body":"helping people with engineering."},{"speaker":"Ace Hagerty","startTime":1263.612,"endTime":1268.142,"body":"I'm really freaking good at it, and"},{"speaker":"Ace Hagerty","startTime":1263.612,"endTime":1268.142,"body":"I love being able to help people."},{"speaker":"Ace Hagerty","startTime":1268.652,"endTime":1270.152,"body":"So I would just take on jobs."},{"speaker":"Ace Hagerty","startTime":1270.482,"endTime":1271.322,"body":"I'd take on jobs."},{"speaker":"Ace Hagerty","startTime":1271.322,"endTime":1273.932,"body":"I'd be going to job sites around"},{"speaker":"Ace Hagerty","startTime":1271.322,"endTime":1273.932,"body":"six, seven o'clock at night."},{"speaker":"Ace Hagerty","startTime":1273.992,"endTime":1275.462,"body":"I'd be going Saturdays."},{"speaker":"Ace Hagerty","startTime":1275.867,"endTime":1277.547,"body":"Sometimes I'd even be going Sunday."},{"speaker":"Ace Hagerty","startTime":1277.547,"endTime":1282.107,"body":"So one thing I had to do was set up"},{"speaker":"Ace Hagerty","startTime":1277.547,"endTime":1282.107,"body":"certain boundaries on what I said yes to."},{"speaker":"Ace Hagerty","startTime":1282.437,"endTime":1283.817,"body":"And it's gonna be different for everybody."},{"speaker":"Ace Hagerty","startTime":1283.822,"endTime":1288.227,"body":"But if you spend the time and think"},{"speaker":"Ace Hagerty","startTime":1283.822,"endTime":1288.227,"body":"about, okay, where do I spend my time?"},{"speaker":"Ace Hagerty","startTime":1288.447,"endTime":1292.497,"body":"Maybe you have to spend a week just"},{"speaker":"Ace Hagerty","startTime":1288.447,"endTime":1292.497,"body":"mapping out at the end of the day,"},{"speaker":"Ace Hagerty","startTime":1292.797,"endTime":1294.357,"body":"how would I spend my hours today?"},{"speaker":"Ace Hagerty","startTime":1294.717,"endTime":1298.147,"body":"So you can get an accurate"},{"speaker":"Ace Hagerty","startTime":1294.717,"endTime":1298.147,"body":"account of what you say yes to."},{"speaker":"Ace Hagerty","startTime":1299.087,"endTime":1301.847,"body":"Because if you're not even saying"},{"speaker":"Ace Hagerty","startTime":1299.087,"endTime":1301.847,"body":"yes to it consciously, if you're"},{"speaker":"Ace Hagerty","startTime":1301.847,"endTime":1303.377,"body":"doing it, you're saying yes to it."},{"speaker":"Ace Hagerty","startTime":1303.977,"endTime":1305.297,"body":"So how are you spending your time?"},{"speaker":"Ace Hagerty","startTime":1305.297,"endTime":1310.187,"body":"So I really had to evaluate that ahead"},{"speaker":"Ace Hagerty","startTime":1305.297,"endTime":1310.187,"body":"of time and plan accordingly, because"},{"speaker":"Ace Hagerty","startTime":1310.187,"endTime":1314.657,"body":"I knew with that kinda list, it's"},{"speaker":"Ace Hagerty","startTime":1310.187,"endTime":1314.657,"body":"like business owners that say when"},{"speaker":"Ace Hagerty","startTime":1314.657,"endTime":1318.497,"body":"they have kids, they become so much"},{"speaker":"Ace Hagerty","startTime":1314.657,"endTime":1318.497,"body":"more efficient at their businesses"},{"speaker":"Ace Hagerty","startTime":1318.827,"endTime":1321.227,"body":"because they have no other option."},{"speaker":"Ace Hagerty","startTime":1321.497,"endTime":1322.727,"body":"They've got a freaking kid."},{"speaker":"Ace Hagerty","startTime":1322.907,"endTime":1323.597,"body":"Instead of a kid."},{"speaker":"Ace Hagerty","startTime":1323.597,"endTime":1324.957,"body":"I had a hundred day challenge."},{"speaker":"Ace Hagerty","startTime":1326.262,"endTime":1331.722,"body":"I finally understood what people meant by"},{"speaker":"Ace Hagerty","startTime":1326.262,"endTime":1331.722,"body":"when they would say, once I had to become"},{"speaker":"Ace Hagerty","startTime":1331.722,"endTime":1336.732,"body":"more structured and more disciplined and"},{"speaker":"Ace Hagerty","startTime":1331.722,"endTime":1336.732,"body":"set up the proper boundaries, man, you can"},{"speaker":"Ace Hagerty","startTime":1336.732,"endTime":1338.352,"body":"just take care of a whole bunch of things."},{"speaker":"Ace Hagerty","startTime":1338.352,"endTime":1343.033,"body":"And another thing too, there was a"},{"speaker":"Ace Hagerty","startTime":1338.352,"endTime":1343.033,"body":"book called Who, not How I forget it."},{"speaker":"Ace Hagerty","startTime":1343.092,"endTime":1344.442,"body":"It came out recently."},{"speaker":"Ace Hagerty","startTime":1344.532,"endTime":1346.332,"body":"I'm sure a lot of your listeners know it."},{"speaker":"Ace Hagerty","startTime":1346.692,"endTime":1347.532,"body":"Phenomenal book."},{"speaker":"Ace Hagerty","startTime":1347.532,"endTime":1349.872,"body":"It could be summarized literally"},{"speaker":"Ace Hagerty","startTime":1347.532,"endTime":1349.872,"body":"in a paragraph, and it's"},{"speaker":"Ace Hagerty","startTime":1349.932,"endTime":1353.022,"body":"essentially say, instead of ask"},{"speaker":"Ace Hagerty","startTime":1349.932,"endTime":1353.022,"body":"the question, how do I do this?"},{"speaker":"Ace Hagerty","startTime":1353.472,"endTime":1356.772,"body":"With my health and fitness, I"},{"speaker":"Ace Hagerty","startTime":1353.472,"endTime":1356.772,"body":"had to be the one eating and I"},{"speaker":"Ace Hagerty","startTime":1356.772,"endTime":1358.062,"body":"had to be the one working out."},{"speaker":"Ace Hagerty","startTime":1358.062,"endTime":1361.182,"body":"However, I didn't wanna figure"},{"speaker":"Ace Hagerty","startTime":1358.062,"endTime":1361.182,"body":"out the exercise routine."},{"speaker":"Ace Hagerty","startTime":1361.182,"endTime":1363.222,"body":"I didn't wanna figure out the macros."},{"speaker":"Ace Hagerty","startTime":1363.222,"endTime":1367.332,"body":"I didn't wanna figure out the diet of"},{"speaker":"Ace Hagerty","startTime":1363.222,"endTime":1367.332,"body":"what I should and shouldn't be eating."},{"speaker":"Ace Hagerty","startTime":1367.542,"endTime":1371.652,"body":"So I was like, who can I"},{"speaker":"Ace Hagerty","startTime":1367.542,"endTime":1371.652,"body":"hire to take care of this?"},{"speaker":"Ace Hagerty","startTime":1371.657,"endTime":1372.462,"body":"And you'd be surprised."},{"speaker":"Ace Hagerty","startTime":1372.512,"endTime":1373.802,"body":"My coach was online."},{"speaker":"Ace Hagerty","startTime":1373.802,"endTime":1376.802,"body":"I never met with the person"},{"speaker":"Ace Hagerty","startTime":1373.802,"endTime":1376.802,"body":"I knew enough at the gym."},{"speaker":"Ace Hagerty","startTime":1377.207,"endTime":1380.627,"body":"To do what I needed to do and I"},{"speaker":"Ace Hagerty","startTime":1377.207,"endTime":1380.627,"body":"took videos of it to send to him and"},{"speaker":"Ace Hagerty","startTime":1380.627,"endTime":1382.307,"body":"everything so he could critique me."},{"speaker":"Ace Hagerty","startTime":1382.817,"endTime":1387.137,"body":"But I didn't even need to meet with a"},{"speaker":"Ace Hagerty","startTime":1382.817,"endTime":1387.137,"body":"personal fitness coach, which is great"},{"speaker":"Ace Hagerty","startTime":1387.137,"endTime":1390.737,"body":"too, because it's a whole heck of a"},{"speaker":"Ace Hagerty","startTime":1387.137,"endTime":1390.737,"body":"lot cheaper as well to do it that way."},{"speaker":"Ace Hagerty","startTime":1390.737,"endTime":1394.907,"body":"And it got me the results that"},{"speaker":"Ace Hagerty","startTime":1390.737,"endTime":1394.907,"body":"I was looking for pretty easily."},{"speaker":"Ace Hagerty","startTime":1394.907,"endTime":1397.417,"body":"I just had to put in what he,"},{"speaker":"Ace Hagerty","startTime":1394.907,"endTime":1397.417,"body":"the work that he told me to do."},{"speaker":"Ace Hagerty","startTime":1397.417,"endTime":1397.747,"body":"So."},{"speaker":"Average Joe Finances","startTime":1397.777,"endTime":1397.957,"body":"Nice."},{"speaker":"Ace Hagerty","startTime":1398.017,"endTime":1399.067,"body":"Leveraging is huge."},{"speaker":"Ace Hagerty","startTime":1399.067,"endTime":1402.427,"body":"Who not How is such a"},{"speaker":"Ace Hagerty","startTime":1399.067,"endTime":1402.427,"body":"powerful concept as well."},{"speaker":"Average Joe Finances","startTime":1402.907,"endTime":1403.147,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1403.147,"endTime":1405.167,"body":"So even outside of, real estate, right?"},{"speaker":"Average Joe Finances","startTime":1405.167,"endTime":1407.687,"body":"Because that's a question we"},{"speaker":"Average Joe Finances","startTime":1405.167,"endTime":1407.687,"body":"always ask when we run our own"},{"speaker":"Average Joe Finances","startTime":1407.687,"endTime":1408.917,"body":"real estate business too, right?"},{"speaker":"Average Joe Finances","startTime":1408.917,"endTime":1409.097,"body":"Who?"},{"speaker":"Average Joe Finances","startTime":1409.097,"endTime":1412.417,"body":"Not how, how do you find the"},{"speaker":"Average Joe Finances","startTime":1409.097,"endTime":1412.417,"body":"right person for each job?"},{"speaker":"Average Joe Finances","startTime":1412.727,"endTime":1416.117,"body":"But you also took it to the level in"},{"speaker":"Average Joe Finances","startTime":1412.727,"endTime":1416.117,"body":"your personal life too and said, Hey,"},{"speaker":"Average Joe Finances","startTime":1416.387,"endTime":1419.177,"body":"no, I can also apply this here, right?"},{"speaker":"Average Joe Finances","startTime":1419.177,"endTime":1420.047,"body":"And figure out."},{"speaker":"Average Joe Finances","startTime":1420.512,"endTime":1425.612,"body":"Who's the right person to help me on my"},{"speaker":"Average Joe Finances","startTime":1420.512,"endTime":1425.612,"body":"physical aspect of my journey, right?"},{"speaker":"Average Joe Finances","startTime":1425.832,"endTime":1428.182,"body":"I can do the eating right,"},{"speaker":"Average Joe Finances","startTime":1425.832,"endTime":1428.182,"body":"I have to do the eatings."},{"speaker":"Average Joe Finances","startTime":1428.182,"endTime":1429.102,"body":"If I don't eat, I'll die."},{"speaker":"Average Joe Finances","startTime":1429.412,"endTime":1433.552,"body":"I, I could do all that, but who's"},{"speaker":"Average Joe Finances","startTime":1429.412,"endTime":1433.552,"body":"gonna tell me what I need to eat?"},{"speaker":"Average Joe Finances","startTime":1433.982,"endTime":1438.012,"body":"I, when I need to eat I need to work out,"},{"speaker":"Average Joe Finances","startTime":1433.982,"endTime":1438.012,"body":"and what kind of workouts I need to do,"},{"speaker":"Average Joe Finances","startTime":1438.012,"endTime":1439.982,"body":"like what kind of physical exercises."},{"speaker":"Average Joe Finances","startTime":1440.262,"endTime":1444.492,"body":"By figuring that out, Getting the right"},{"speaker":"Average Joe Finances","startTime":1440.262,"endTime":1444.492,"body":"person in your corner there was huge."},{"speaker":"Average Joe Finances","startTime":1444.852,"endTime":1447.367,"body":"And I also wanna go back to something"},{"speaker":"Average Joe Finances","startTime":1444.852,"endTime":1447.367,"body":"else that you said that I really"},{"speaker":"Average Joe Finances","startTime":1447.367,"endTime":1449.227,"body":"liked was the yes management, right?"},{"speaker":"Average Joe Finances","startTime":1449.227,"endTime":1451.897,"body":"So yes, we always talk"},{"speaker":"Average Joe Finances","startTime":1449.227,"endTime":1451.897,"body":"about time management."},{"speaker":"Average Joe Finances","startTime":1451.897,"endTime":1452.762,"body":"Time management."},{"speaker":"Average Joe Finances","startTime":1453.072,"endTime":1459.822,"body":"The but the way you described the Yes"},{"speaker":"Average Joe Finances","startTime":1453.072,"endTime":1459.822,"body":"management resonated so much to me that"},{"speaker":"Average Joe Finances","startTime":1459.822,"endTime":1464.892,"body":"I was like, I say yes to a lot of things"},{"speaker":"Average Joe Finances","startTime":1459.822,"endTime":1464.892,"body":"that I probably didn't have to say"},{"speaker":"Average Joe Finances","startTime":1464.892,"endTime":1467.142,"body":"yes to or shouldn't have said yes to."},{"speaker":"Average Joe Finances","startTime":1467.142,"endTime":1470.112,"body":"That kind of started ruling my day."},{"speaker":"Average Joe Finances","startTime":1470.712,"endTime":1475.332,"body":"And so if it's got me asking that question"},{"speaker":"Average Joe Finances","startTime":1470.712,"endTime":1475.332,"body":"I know that there's people listening"},{"speaker":"Average Joe Finances","startTime":1475.337,"endTime":1479.472,"body":"to this show that are like, huh, maybe"},{"speaker":"Average Joe Finances","startTime":1475.337,"endTime":1479.472,"body":"that's what I really need to focus on."},{"speaker":"Average Joe Finances","startTime":1479.472,"endTime":1480.522,"body":"What am I saying yes to?"},{"speaker":"Average Joe Finances","startTime":1480.642,"endTime":1483.127,"body":"And I've had somebody come on before"},{"speaker":"Average Joe Finances","startTime":1480.642,"endTime":1483.127,"body":"that, that, we always talked about you,"},{"speaker":"Average Joe Finances","startTime":1483.127,"endTime":1484.447,"body":"you have to be able to say no more."},{"speaker":"Average Joe Finances","startTime":1484.867,"endTime":1489.207,"body":"But the way that you put it is it's not"},{"speaker":"Average Joe Finances","startTime":1484.867,"endTime":1489.207,"body":"so much say, no more, say yes, less."},{"speaker":"Average Joe Finances","startTime":1489.652,"endTime":1489.712,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":1490.012,"endTime":1490.912,"body":"It's not, yeah."},{"speaker":"Average Joe Finances","startTime":1490.912,"endTime":1491.182,"body":"Wow."},{"speaker":"Average Joe Finances","startTime":1491.222,"endTime":1492.482,"body":"That's powerful stuff, man."},{"speaker":"Average Joe Finances","startTime":1492.542,"endTime":1493.802,"body":"So I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":1494.312,"endTime":1498.992,"body":"And now, okay, so we talked a little bit"},{"speaker":"Average Joe Finances","startTime":1494.312,"endTime":1498.992,"body":"about how you found that balance, right?"},{"speaker":"Average Joe Finances","startTime":1498.992,"endTime":1503.252,"body":"So you started getting up earlier, you"},{"speaker":"Average Joe Finances","startTime":1498.992,"endTime":1503.252,"body":"found that you needed less sleep, right?"},{"speaker":"Average Joe Finances","startTime":1503.282,"endTime":1506.412,"body":"This was something I figured out too"},{"speaker":"Average Joe Finances","startTime":1503.282,"endTime":1506.412,"body":"while I was in the military, right?"},{"speaker":"Average Joe Finances","startTime":1506.412,"endTime":1507.552,"body":"So I did 20 years in the Navy."},{"speaker":"Average Joe Finances","startTime":1508.077,"endTime":1511.547,"body":"And sleep deprivation was something"},{"speaker":"Average Joe Finances","startTime":1508.077,"endTime":1511.547,"body":"that I always had to deal with."},{"speaker":"Average Joe Finances","startTime":1511.957,"endTime":1516.367,"body":"So I had to figure out the right time"},{"speaker":"Average Joe Finances","startTime":1511.957,"endTime":1516.367,"body":"to, to try to get those four to six"},{"speaker":"Average Joe Finances","startTime":1516.372,"endTime":1517.897,"body":"hours in that I would get every night."},{"speaker":"Average Joe Finances","startTime":1518.207,"endTime":1519.587,"body":"Actually it's more like four to five."},{"speaker":"Average Joe Finances","startTime":1519.627,"endTime":1522.412,"body":"It's still kinda like that, but"},{"speaker":"Average Joe Finances","startTime":1519.627,"endTime":1522.412,"body":"I've been trying to get a little"},{"speaker":"Average Joe Finances","startTime":1522.412,"endTime":1524.022,"body":"bit more sleep now that I'm retired."},{"speaker":"Average Joe Finances","startTime":1524.352,"endTime":1524.682,"body":"But."},{"speaker":"Average Joe Finances","startTime":1525.477,"endTime":1528.777,"body":"Being able to find that"},{"speaker":"Average Joe Finances","startTime":1525.477,"endTime":1528.777,"body":"balance, I think is so key."},{"speaker":"Average Joe Finances","startTime":1528.837,"endTime":1533.127,"body":"And by you describing the way that"},{"speaker":"Average Joe Finances","startTime":1528.837,"endTime":1533.127,"body":"you did it, I feel like it makes it"},{"speaker":"Average Joe Finances","startTime":1533.127,"endTime":1539.197,"body":"more palatable palatable for people"},{"speaker":"Average Joe Finances","startTime":1533.127,"endTime":1539.197,"body":"to to maybe try this on their own."},{"speaker":"Average Joe Finances","startTime":1539.247,"endTime":1542.577,"body":"Figure out what's gonna be that,"},{"speaker":"Average Joe Finances","startTime":1539.247,"endTime":1542.577,"body":"that breaking point for them"},{"speaker":"Average Joe Finances","startTime":1542.577,"endTime":1545.097,"body":"in their sleep cycle and figure"},{"speaker":"Average Joe Finances","startTime":1542.577,"endTime":1545.097,"body":"out what's gonna work for them."},{"speaker":"Average Joe Finances","startTime":1545.147,"endTime":1546.587,"body":"Everybody's built different, right?"},{"speaker":"Average Joe Finances","startTime":1546.587,"endTime":1551.552,"body":"We all have different bodies and however,"},{"speaker":"Average Joe Finances","startTime":1546.587,"endTime":1551.552,"body":"I feel as you're putting yourself"},{"speaker":"Average Joe Finances","startTime":1551.552,"endTime":1554.672,"body":"through this challenge, like you said,"},{"speaker":"Average Joe Finances","startTime":1551.552,"endTime":1554.672,"body":"it started to get easier and easier."},{"speaker":"Average Joe Finances","startTime":1555.062,"endTime":1558.252,"body":"I feel as people start changing"},{"speaker":"Average Joe Finances","startTime":1555.062,"endTime":1558.252,"body":"their habits these things"},{"speaker":"Average Joe Finances","startTime":1558.252,"endTime":1559.542,"body":"will become easier and easier."},{"speaker":"Average Joe Finances","startTime":1559.547,"endTime":1562.642,"body":"So if you want to actually no, nevermind."},{"speaker":"Average Joe Finances","startTime":1562.642,"endTime":1564.052,"body":"I'm not even gonna have"},{"speaker":"Average Joe Finances","startTime":1562.642,"endTime":1564.052,"body":"you elaborate on that."},{"speaker":"Average Joe Finances","startTime":1564.082,"endTime":1565.252,"body":"I wanted to ask you."},{"speaker":"Average Joe Finances","startTime":1565.582,"endTime":1565.972,"body":"Okay."},{"speaker":"Average Joe Finances","startTime":1566.212,"endTime":1569.662,"body":"Cuz you described how"},{"speaker":"Average Joe Finances","startTime":1566.212,"endTime":1569.662,"body":"you got to where you are."},{"speaker":"Average Joe Finances","startTime":1570.002,"endTime":1572.822,"body":"You touched on this a little bit, but"},{"speaker":"Average Joe Finances","startTime":1570.002,"endTime":1572.822,"body":"I don't feel like we went deep enough"},{"speaker":"Average Joe Finances","startTime":1572.822,"endTime":1577.712,"body":"in this But I feel like this changed"},{"speaker":"Average Joe Finances","startTime":1572.822,"endTime":1577.712,"body":"over time for you as well, but what"},{"speaker":"Average Joe Finances","startTime":1577.712,"endTime":1580.592,"body":"is your why for doing what you did?"},{"speaker":"Average Joe Finances","startTime":1582.642,"endTime":1585.522,"body":"And like I said, I know you touched on it"},{"speaker":"Average Joe Finances","startTime":1582.642,"endTime":1585.522,"body":"was you were trying to save your marriage,"},{"speaker":"Average Joe Finances","startTime":1585.522,"endTime":1589.807,"body":"you were trying to, also change your, get"},{"speaker":"Average Joe Finances","startTime":1585.522,"endTime":1589.807,"body":"your spirituality spiritual habits back."},{"speaker":"Average Joe Finances","startTime":1589.817,"endTime":1594.137,"body":"And yeah, but I feel like we could go a"},{"speaker":"Average Joe Finances","startTime":1589.817,"endTime":1594.137,"body":"little bit deeper into that because I."},{"speaker":"Average Joe Finances","startTime":1594.542,"endTime":1599.132,"body":"It changed while you were doing the"},{"speaker":"Average Joe Finances","startTime":1594.542,"endTime":1599.132,"body":"challenge, so what made that change?"},{"speaker":"Ace Hagerty","startTime":1600.122,"endTime":1602.782,"body":"I realized at the"},{"speaker":"Ace Hagerty","startTime":1600.122,"endTime":1602.782,"body":"beginning of the challenge, and once"},{"speaker":"Ace Hagerty","startTime":1602.782,"endTime":1606.202,"body":"again, this goes to coaching, this"},{"speaker":"Ace Hagerty","startTime":1602.782,"endTime":1606.202,"body":"goes to faith, this goes to trust."},{"speaker":"Ace Hagerty","startTime":1606.952,"endTime":1611.882,"body":"When I was putting this my why"},{"speaker":"Ace Hagerty","startTime":1606.952,"endTime":1611.882,"body":"together with my mentor, I told him,"},{"speaker":"Ace Hagerty","startTime":1612.152,"endTime":1613.442,"body":"he was like, why are you doing this?"},{"speaker":"Ace Hagerty","startTime":1613.472,"endTime":1617.257,"body":"I was like I'm saving my marriage"},{"speaker":"Ace Hagerty","startTime":1613.472,"endTime":1617.257,"body":"like, Seems like a pretty"},{"speaker":"Ace Hagerty","startTime":1617.257,"endTime":1619.367,"body":"legit reason for most people."},{"speaker":"Ace Hagerty","startTime":1619.907,"endTime":1621.647,"body":"And he's no, you need"},{"speaker":"Ace Hagerty","startTime":1619.907,"endTime":1621.647,"body":"something deeper than that."},{"speaker":"Ace Hagerty","startTime":1621.647,"endTime":1622.937,"body":"Something more powerful."},{"speaker":"Ace Hagerty","startTime":1622.942,"endTime":1627.917,"body":"Cuz if you put your faith in"},{"speaker":"Ace Hagerty","startTime":1622.942,"endTime":1627.917,"body":"people, chances are you're gonna"},{"speaker":"Ace Hagerty","startTime":1627.917,"endTime":1629.237,"body":"get disappointed at some point."},{"speaker":"Ace Hagerty","startTime":1629.237,"endTime":1631.732,"body":"People are fallible just by nature."},{"speaker":"Average Joe Finances","startTime":1631.732,"endTime":1631.942,"body":"Everytime."},{"speaker":"Ace Hagerty","startTime":1631.942,"endTime":1632.717,"body":"Nobody's perfect."},{"speaker":"Ace Hagerty","startTime":1633.317,"endTime":1633.947,"body":"Nobody's perfect."},{"speaker":"Ace Hagerty","startTime":1633.947,"endTime":1636.857,"body":"I don't, and I'm not here to"},{"speaker":"Ace Hagerty","startTime":1633.947,"endTime":1636.857,"body":"preach or anything like that."},{"speaker":"Ace Hagerty","startTime":1637.277,"endTime":1639.497,"body":"People's spiritual walk"},{"speaker":"Ace Hagerty","startTime":1637.277,"endTime":1639.497,"body":"is their spiritual walk."},{"speaker":"Ace Hagerty","startTime":1640.607,"endTime":1644.747,"body":"However, for me, I really dug down deep"},{"speaker":"Ace Hagerty","startTime":1640.607,"endTime":1644.747,"body":"and I was like, if I don't do this, if"},{"speaker":"Ace Hagerty","startTime":1644.747,"endTime":1648.047,"body":"I don't accomplish all these things in"},{"speaker":"Ace Hagerty","startTime":1644.747,"endTime":1648.047,"body":"the next 10, it's just a hundred days."},{"speaker":"Ace Hagerty","startTime":1648.287,"endTime":1652.217,"body":"Yes, it's a lot to do and it's gonna"},{"speaker":"Ace Hagerty","startTime":1648.287,"endTime":1652.217,"body":"be a challenge and it's gonna be"},{"speaker":"Ace Hagerty","startTime":1652.217,"endTime":1659.117,"body":"difficult, but put some perspective"},{"speaker":"Ace Hagerty","startTime":1652.217,"endTime":1659.117,"body":"in it like I live in the us."},{"speaker":"Ace Hagerty","startTime":1659.612,"endTime":1664.332,"body":"At a phenomenal time, and I know we're,"},{"speaker":"Ace Hagerty","startTime":1659.612,"endTime":1664.332,"body":"people are scared right now because of"},{"speaker":"Ace Hagerty","startTime":1664.692,"endTime":1668.322,"body":"interest rates going sky high and the"},{"speaker":"Ace Hagerty","startTime":1664.692,"endTime":1668.322,"body":"economy's shaky and all this and that."},{"speaker":"Ace Hagerty","startTime":1668.327,"endTime":1671.022,"body":"But take a step back, like"},{"speaker":"Ace Hagerty","startTime":1668.327,"endTime":1671.022,"body":"I wake up every morning and"},{"speaker":"Ace Hagerty","startTime":1671.022,"endTime":1672.192,"body":"that's where gratitude comes in."},{"speaker":"Ace Hagerty","startTime":1672.247,"endTime":1674.467,"body":"I wake up every morning, I can breathe."},{"speaker":"Ace Hagerty","startTime":1675.397,"endTime":1679.327,"body":"I'm fully functional body, fully"},{"speaker":"Ace Hagerty","startTime":1675.397,"endTime":1679.327,"body":"functional mind, and I get the"},{"speaker":"Ace Hagerty","startTime":1679.327,"endTime":1682.087,"body":"opportunity to do whatever I want."},{"speaker":"Ace Hagerty","startTime":1682.087,"endTime":1684.397,"body":"That's the brilliant thing"},{"speaker":"Ace Hagerty","startTime":1682.087,"endTime":1684.397,"body":"about being an entrepreneur."},{"speaker":"Ace Hagerty","startTime":1684.547,"endTime":1685.177,"body":"Entrepreneur."},{"speaker":"Ace Hagerty","startTime":1685.177,"endTime":1686.167,"body":"You don't have to clock in."},{"speaker":"Ace Hagerty","startTime":1686.902,"endTime":1688.732,"body":"You can do whatever you want."},{"speaker":"Ace Hagerty","startTime":1689.242,"endTime":1697.162,"body":"And so for me, my why was to save my"},{"speaker":"Ace Hagerty","startTime":1689.242,"endTime":1697.162,"body":"soul because if I can't do this, shoot,"},{"speaker":"Ace Hagerty","startTime":1697.162,"endTime":1700.492,"body":"God's not gonna want me in the afterlife"},{"speaker":"Ace Hagerty","startTime":1697.162,"endTime":1700.492,"body":"to stand next to his side and fight"},{"speaker":"Ace Hagerty","startTime":1700.492,"endTime":1702.232,"body":"the good fight between good and evil."},{"speaker":"Ace Hagerty","startTime":1702.532,"endTime":1704.002,"body":"And that these are just my beliefs."},{"speaker":"Ace Hagerty","startTime":1704.002,"endTime":1707.522,"body":"So I might get a little spiritual with"},{"speaker":"Ace Hagerty","startTime":1704.002,"endTime":1707.522,"body":"what I believe in, but at the same"},{"speaker":"Ace Hagerty","startTime":1707.522,"endTime":1712.022,"body":"time, It gave me the strength that I"},{"speaker":"Ace Hagerty","startTime":1707.522,"endTime":1712.022,"body":"needed because there were hard days."},{"speaker":"Ace Hagerty","startTime":1712.027,"endTime":1715.802,"body":"There were days getting up at five 30"},{"speaker":"Ace Hagerty","startTime":1712.027,"endTime":1715.802,"body":"sucked, or I had to stay up late because"},{"speaker":"Ace Hagerty","startTime":1715.802,"endTime":1717.962,"body":"I did not do everything on that list."},{"speaker":"Ace Hagerty","startTime":1719.202,"endTime":1722.232,"body":"If I was not efficient with my yes"},{"speaker":"Ace Hagerty","startTime":1719.202,"endTime":1722.232,"body":"management during the day, guess what?"},{"speaker":"Ace Hagerty","startTime":1722.232,"endTime":1724.662,"body":"I was up till 11, 12, 1 o'clock."},{"speaker":"With that 5","startTime":1724.872,"endTime":1728.712,"body":"30 AM staring"},{"speaker":"With that 5","startTime":1724.872,"endTime":1728.712,"body":"me squarely in the eyes."},{"speaker":"With that 5","startTime":1729.432,"endTime":1732.672,"body":"So that was my why."},{"speaker":"With that 5","startTime":1732.672,"endTime":1737.802,"body":"Now, in addition to that, As I was"},{"speaker":"With that 5","startTime":1732.672,"endTime":1737.802,"body":"going through this challenge, I"},{"speaker":"With that 5","startTime":1737.802,"endTime":1739.512,"body":"started to realize a few things."},{"speaker":"With that 5","startTime":1740.562,"endTime":1741.972,"body":"I really liked learning."},{"speaker":"With that 5","startTime":1743.052,"endTime":1748.002,"body":"I hadn't, I would read books now and"},{"speaker":"With that 5","startTime":1743.052,"endTime":1748.002,"body":"then, but I had to do a ton of research"},{"speaker":"With that 5","startTime":1748.002,"endTime":1752.472,"body":"for this book, and as I did the research,"},{"speaker":"With that 5","startTime":1748.002,"endTime":1752.472,"body":"I just got more and more excited."},{"speaker":"With that 5","startTime":1752.472,"endTime":1753.642,"body":"I was like, oh man."},{"speaker":"With that 5","startTime":1753.912,"endTime":1758.892,"body":"I rediscovered my love of learning"},{"speaker":"With that 5","startTime":1753.912,"endTime":1758.892,"body":"because I went through college."},{"speaker":"With that 5","startTime":1758.892,"endTime":1759.882,"body":"I did really well."},{"speaker":"With that 5","startTime":1759.882,"endTime":1760.992,"body":"I was an engineer."},{"speaker":"With that 5","startTime":1761.082,"endTime":1763.452,"body":"Went to grad school, top grad"},{"speaker":"With that 5","startTime":1761.082,"endTime":1763.452,"body":"school in the country at the"},{"speaker":"With that 5","startTime":1763.452,"endTime":1764.712,"body":"time for structural engineering."},{"speaker":"With that 5","startTime":1765.417,"endTime":1769.857,"body":"I worked my butt off, but I loved"},{"speaker":"With that 5","startTime":1765.417,"endTime":1769.857,"body":"learning and I lost that over the years."},{"speaker":"With that 5","startTime":1770.817,"endTime":1775.707,"body":"And so just to learn, not because there's"},{"speaker":"With that 5","startTime":1770.817,"endTime":1775.707,"body":"a test or anything, but learn because"},{"speaker":"With that 5","startTime":1776.247,"endTime":1781.197,"body":"I have an opportunity to grow and be"},{"speaker":"With that 5","startTime":1776.247,"endTime":1781.197,"body":"better at something that didn't even"},{"speaker":"With that 5","startTime":1781.197,"endTime":1784.167,"body":"directly apply to my engineering business."},{"speaker":"With that 5","startTime":1784.197,"endTime":1789.657,"body":"It didn't apply directly to my real"},{"speaker":"With that 5","startTime":1784.197,"endTime":1789.657,"body":"estate businesses, but I just rediscovered"},{"speaker":"With that 5","startTime":1789.657,"endTime":1791.397,"body":"a love of learning and growth."},{"speaker":"With that 5","startTime":1792.687,"endTime":1796.527,"body":"And once I started doing that,"},{"speaker":"With that 5","startTime":1792.687,"endTime":1796.527,"body":"I wanted to help more people."},{"speaker":"With that 5","startTime":1796.527,"endTime":1801.747,"body":"The whole point of me writing this book"},{"speaker":"With that 5","startTime":1796.527,"endTime":1801.747,"body":"and starting my podcast is to inspire"},{"speaker":"With that 5","startTime":1801.747,"endTime":1808.437,"body":"people to take control of their lives and"},{"speaker":"With that 5","startTime":1801.747,"endTime":1808.437,"body":"to stop being victims and being victors"},{"speaker":"With that 5","startTime":1808.497,"endTime":1815.517,"body":"of their lives, be in control and live"},{"speaker":"With that 5","startTime":1808.497,"endTime":1815.517,"body":"their lives purposefully so that when"},{"speaker":"With that 5","startTime":1815.637,"endTime":1819.417,"body":"their time comes, cuz it's not a matter"},{"speaker":"With that 5","startTime":1815.637,"endTime":1819.417,"body":"of if, it's a matter of when we die."},{"speaker":"With that 5","startTime":1820.212,"endTime":1824.022,"body":"They can look back at least on their"},{"speaker":"With that 5","startTime":1820.212,"endTime":1824.022,"body":"lives and say, yes, I gave it my all."},{"speaker":"With that 5","startTime":1824.322,"endTime":1830.082,"body":"I did what I wanted to do and I grew and"},{"speaker":"With that 5","startTime":1824.322,"endTime":1830.082,"body":"I gave to the people that I love the most."},{"speaker":"With that 5","startTime":1830.652,"endTime":1837.942,"body":"And if I'm gonna preach that, also I"},{"speaker":"With that 5","startTime":1830.652,"endTime":1837.942,"body":"need to be an example of that cuz nothing"},{"speaker":"With that 5","startTime":1837.942,"endTime":1842.292,"body":"pisses me off more then these talking"},{"speaker":"With that 5","startTime":1837.942,"endTime":1842.292,"body":"heads are people that are on social media"},{"speaker":"With that 5","startTime":1842.562,"endTime":1846.462,"body":"or this or that, that don't actually"},{"speaker":"With that 5","startTime":1842.562,"endTime":1846.462,"body":"live the life that they're preaching."},{"speaker":"With that 5","startTime":1847.032,"endTime":1850.692,"body":"It's like getting financial advice"},{"speaker":"With that 5","startTime":1847.032,"endTime":1850.692,"body":"from a poor person or somebody who"},{"speaker":"With that 5","startTime":1850.692,"endTime":1855.012,"body":"spends all their money and never has"},{"speaker":"With that 5","startTime":1850.692,"endTime":1855.012,"body":"anything to spend on their family"},{"speaker":"With that 5","startTime":1855.012,"endTime":1857.022,"body":"or their investments or anything."},{"speaker":"With that 5","startTime":1857.442,"endTime":1863.022,"body":"And so I knew too if I'm gonna be a"},{"speaker":"With that 5","startTime":1857.442,"endTime":1863.022,"body":"good leader and I'm going to really"},{"speaker":"With that 5","startTime":1863.027,"endTime":1866.757,"body":"make a change in people's lives,"},{"speaker":"With that 5","startTime":1863.027,"endTime":1866.757,"body":"I have to start with me first."},{"speaker":"With that 5","startTime":1866.967,"endTime":1869.157,"body":"And that's why I do ice baths."},{"speaker":"With that 5","startTime":1869.157,"endTime":1871.347,"body":"That's why I take cold showers."},{"speaker":"With that 5","startTime":1871.347,"endTime":1875.427,"body":"That's why I climb mountains as"},{"speaker":"With that 5","startTime":1871.347,"endTime":1875.427,"body":"celebrations instead of going to the"},{"speaker":"With that 5","startTime":1875.427,"endTime":1877.647,"body":"bar and kicking a few back and relaxing."},{"speaker":"With that 5","startTime":1878.277,"endTime":1881.067,"body":"My life has completely changed"},{"speaker":"With that 5","startTime":1878.277,"endTime":1881.067,"body":"because of this challenge."},{"speaker":"With that 5","startTime":1881.697,"endTime":1886.947,"body":"And so yeah, my celebrations"},{"speaker":"With that 5","startTime":1881.697,"endTime":1886.947,"body":"are to climb harder."},{"speaker":"With that 5","startTime":1886.947,"endTime":1887.487,"body":"Mountains."},{"speaker":"With that 5","startTime":1887.787,"endTime":1892.097,"body":"I just speaking of wealth and"},{"speaker":"With that 5","startTime":1887.787,"endTime":1892.097,"body":"learning, I just did a Tony Robbins"},{"speaker":"With that 5","startTime":1892.097,"endTime":1897.582,"body":"Wealth Mastery program with about a"},{"speaker":"With that 5","startTime":1892.097,"endTime":1897.582,"body":"dozen people this past weekend and"},{"speaker":"With that 5","startTime":1897.582,"endTime":1901.452,"body":"we would get in the 16 hour days cuz"},{"speaker":"With that 5","startTime":1897.582,"endTime":1901.452,"body":"anyone that does, Tony Robbins knows."},{"speaker":"With that 5","startTime":1901.452,"endTime":1905.712,"body":"He goes 14, 16 hours a"},{"speaker":"With that 5","startTime":1901.452,"endTime":1905.712,"body":"day with really no breaks."},{"speaker":"With that 5","startTime":1905.712,"endTime":1907.842,"body":"We got 1 35 minute break one day."},{"speaker":"With that 5","startTime":1908.562,"endTime":1911.982,"body":"So my buddies and I decided to run a 5k."},{"speaker":"With that 5","startTime":1912.102,"endTime":1913.962,"body":"We said we'd take it easy, but guess what?"},{"speaker":"With that 5","startTime":1914.712,"endTime":1917.712,"body":"Some people were throwing up, other"},{"speaker":"With that 5","startTime":1914.712,"endTime":1917.712,"body":"people were almost blacking out because"},{"speaker":"With that 5","startTime":1917.712,"endTime":1922.842,"body":"we would push each other because we've"},{"speaker":"With that 5","startTime":1917.712,"endTime":1922.842,"body":"created a culture where we push each other"},{"speaker":"With that 5","startTime":1922.932,"endTime":1924.792,"body":"to be the best versions of ourselves."},{"speaker":"With that 5","startTime":1925.092,"endTime":1927.882,"body":"And some people from outside"},{"speaker":"With that 5","startTime":1925.092,"endTime":1927.882,"body":"looking in might think we're"},{"speaker":"With that 5","startTime":1927.887,"endTime":1929.862,"body":"crazy, but we love each other."},{"speaker":"With that 5","startTime":1929.862,"endTime":1933.222,"body":"We've formed a strong tribe,"},{"speaker":"With that 5","startTime":1929.862,"endTime":1933.222,"body":"and these are all guys I've only"},{"speaker":"With that 5","startTime":1933.222,"endTime":1934.482,"body":"met in the past year and a half."},{"speaker":"With that 5","startTime":1934.722,"endTime":1938.052,"body":"Once you start being a different"},{"speaker":"With that 5","startTime":1934.722,"endTime":1938.052,"body":"person, you start attracting."},{"speaker":"With that 5","startTime":1938.427,"endTime":1939.177,"body":"People around you."},{"speaker":"With that 5","startTime":1939.177,"endTime":1942.957,"body":"I know the law of attraction is very"},{"speaker":"With that 5","startTime":1939.177,"endTime":1942.957,"body":"popular with the Tony Robbins crew, but a"},{"speaker":"With that 5","startTime":1942.957,"endTime":1944.727,"body":"lot of other people talk about it as well."},{"speaker":"With that 5","startTime":1944.727,"endTime":1946.587,"body":"The energy you put out, you get back in."},{"speaker":"With that 5","startTime":1946.587,"endTime":1951.807,"body":"I have relationships now, both personally"},{"speaker":"With that 5","startTime":1946.587,"endTime":1951.807,"body":"and professionally, that I feel closer"},{"speaker":"With that 5","startTime":1951.807,"endTime":1956.487,"body":"to these people than I have people"},{"speaker":"With that 5","startTime":1951.807,"endTime":1956.487,"body":"that I've known for 20, 30 plus years."},{"speaker":"With that 5","startTime":1957.117,"endTime":1961.377,"body":"And my life has completely changed"},{"speaker":"With that 5","startTime":1957.117,"endTime":1961.377,"body":"because I did it from the inside out."},{"speaker":"Average Joe Finances","startTime":1963.057,"endTime":1963.387,"body":"Ace."},{"speaker":"Average Joe Finances","startTime":1963.397,"endTime":1964.807,"body":"I absolutely love that, man."},{"speaker":"Average Joe Finances","startTime":1964.807,"endTime":1968.257,"body":"And one of the things you said too about,"},{"speaker":"Average Joe Finances","startTime":1964.807,"endTime":1968.257,"body":"the whole taking control of your life"},{"speaker":"Average Joe Finances","startTime":1968.257,"endTime":1971.707,"body":"piece, that's, that's why you started"},{"speaker":"Average Joe Finances","startTime":1968.257,"endTime":1971.707,"body":"your podcast and wrote your book."},{"speaker":"Average Joe Finances","startTime":1971.897,"endTime":1976.377,"body":"That's huge and that resonates so much"},{"speaker":"Average Joe Finances","startTime":1971.897,"endTime":1976.377,"body":"with me because, our motto at average,"},{"speaker":"Average Joe Finances","startTime":1976.377,"endTime":1981.597,"body":"Joe Finances is beat debt, build"},{"speaker":"Average Joe Finances","startTime":1976.377,"endTime":1981.597,"body":"your wealth and control your future."},{"speaker":"Average Joe Finances","startTime":1981.907,"endTime":1982.807,"body":"I that, that."},{"speaker":"Average Joe Finances","startTime":1983.197,"endTime":1988.237,"body":"Having that control is probably one of"},{"speaker":"Average Joe Finances","startTime":1983.197,"endTime":1988.237,"body":"the things that people don't realize"},{"speaker":"Average Joe Finances","startTime":1988.237,"endTime":1992.597,"body":"they don't have in life until they get"},{"speaker":"Average Joe Finances","startTime":1988.237,"endTime":1992.597,"body":"to the point where they actually take"},{"speaker":"Average Joe Finances","startTime":1992.597,"endTime":1995.837,"body":"a step back and realize they don't have"},{"speaker":"Average Joe Finances","startTime":1992.597,"endTime":1995.837,"body":"control and then they take control."},{"speaker":"Average Joe Finances","startTime":1995.892,"endTime":1999.542,"body":"So that's one of the things I like to"},{"speaker":"Average Joe Finances","startTime":1995.892,"endTime":1999.542,"body":"do with this podcast too, is to offer,"},{"speaker":"Average Joe Finances","startTime":1999.842,"endTime":2005.082,"body":"bring people on like you, experts like"},{"speaker":"Average Joe Finances","startTime":1999.842,"endTime":2005.082,"body":"you that have gone through these different"},{"speaker":"Average Joe Finances","startTime":2005.082,"endTime":2010.517,"body":"things in life and challenges and stuff,"},{"speaker":"Average Joe Finances","startTime":2005.082,"endTime":2010.517,"body":"and show your side to that, right?"},{"speaker":"Average Joe Finances","startTime":2010.522,"endTime":2015.017,"body":"And give them an opportunity to"},{"speaker":"Average Joe Finances","startTime":2010.522,"endTime":2015.017,"body":"listen to what you're saying and then"},{"speaker":"Average Joe Finances","startTime":2015.017,"endTime":2018.587,"body":"maybe decide that, Hey, maybe I wanna"},{"speaker":"Average Joe Finances","startTime":2015.017,"endTime":2018.587,"body":"do this a hundred day challenge."},{"speaker":"Average Joe Finances","startTime":2018.647,"endTime":2019.937,"body":"I wanna change my life."},{"speaker":"Average Joe Finances","startTime":2019.942,"endTime":2021.197,"body":"I wanna do what Ace did."},{"speaker":"Average Joe Finances","startTime":2021.627,"endTime":2023.967,"body":"And that's the reason why"},{"speaker":"Average Joe Finances","startTime":2021.627,"endTime":2023.967,"body":"I have this podcast too."},{"speaker":"Average Joe Finances","startTime":2023.967,"endTime":2025.257,"body":"So this is fantastic, man."},{"speaker":"Average Joe Finances","startTime":2025.257,"endTime":2029.367,"body":"This is really valuable information"},{"speaker":"Average Joe Finances","startTime":2025.257,"endTime":2029.367,"body":"and I greatly appreciate it."},{"speaker":"Average Joe Finances","startTime":2029.992,"endTime":2032.632,"body":"However, we are running outta"},{"speaker":"Average Joe Finances","startTime":2029.992,"endTime":2032.632,"body":"time, so I'm gonna go ahead and"},{"speaker":"Average Joe Finances","startTime":2032.632,"endTime":2034.432,"body":"transition this into the final round."},{"speaker":"Average Joe Finances","startTime":2034.832,"endTime":2038.522,"body":"We've only touched a little bit on"},{"speaker":"Average Joe Finances","startTime":2034.832,"endTime":2038.522,"body":"your real estate side, so you can jump"},{"speaker":"Average Joe Finances","startTime":2038.522,"endTime":2042.302,"body":"into this if you want here, because"},{"speaker":"Average Joe Finances","startTime":2038.522,"endTime":2042.302,"body":"the first question I'm gonna ask you,"},{"speaker":"Average Joe Finances","startTime":2042.422,"endTime":2046.292,"body":"ACE, is what's the biggest mistake"},{"speaker":"Average Joe Finances","startTime":2042.422,"endTime":2046.292,"body":"you've ever made in real estate?"},{"speaker":"Ace Hagerty","startTime":2048.212,"endTime":2051.472,"body":"Oh I've made a whole"},{"speaker":"Ace Hagerty","startTime":2048.212,"endTime":2051.472,"body":"bunch of mistakes and I should"},{"speaker":"Ace Hagerty","startTime":2051.472,"endTime":2053.782,"body":"probably write a book on exactly."},{"speaker":"Ace Hagerty","startTime":2054.192,"endTime":2055.482,"body":"What not to do, right?"},{"speaker":"Ace Hagerty","startTime":2055.482,"endTime":2059.802,"body":"They say the definition of an expert"},{"speaker":"Ace Hagerty","startTime":2055.482,"endTime":2059.802,"body":"is somebody who's made all the mistakes"},{"speaker":"Ace Hagerty","startTime":2059.802,"endTime":2061.932,"body":"that are needed to become an expert."},{"speaker":"Ace Hagerty","startTime":2062.392,"endTime":2065.537,"body":"So I told you briefly about"},{"speaker":"Ace Hagerty","startTime":2062.392,"endTime":2065.537,"body":"my first flip in California."},{"speaker":"Ace Hagerty","startTime":2065.837,"endTime":2069.527,"body":"So when I moved to Nashville five years"},{"speaker":"Ace Hagerty","startTime":2065.837,"endTime":2069.527,"body":"ago, I thought I was gonna be the next"},{"speaker":"Ace Hagerty","startTime":2069.527,"endTime":2072.917,"body":"flip or flop Nashville guy and all that."},{"speaker":"Ace Hagerty","startTime":2073.247,"endTime":2075.377,"body":"And so I came in bravado."},{"speaker":"Ace Hagerty","startTime":2075.377,"endTime":2078.497,"body":"Yes, I've flipped houses, I've"},{"speaker":"Ace Hagerty","startTime":2075.377,"endTime":2078.497,"body":"have rentals and all that."},{"speaker":"Ace Hagerty","startTime":2078.977,"endTime":2082.637,"body":"And when you start becoming full of"},{"speaker":"Ace Hagerty","startTime":2078.977,"endTime":2082.637,"body":"yourself thinking you know everything,"},{"speaker":"Ace Hagerty","startTime":2083.147,"endTime":2087.287,"body":"that's when you start making"},{"speaker":"Ace Hagerty","startTime":2083.147,"endTime":2087.287,"body":"mistakes and you're not as careful."},{"speaker":"Ace Hagerty","startTime":2087.292,"endTime":2089.547,"body":"And I was in a new a new area."},{"speaker":"Ace Hagerty","startTime":2090.252,"endTime":2092.022,"body":"A new way of construction."},{"speaker":"Ace Hagerty","startTime":2092.122,"endTime":2093.892,"body":"It wasn't California anymore."},{"speaker":"Ace Hagerty","startTime":2094.072,"endTime":2098.452,"body":"It was Nashville, which at the time was"},{"speaker":"Ace Hagerty","startTime":2094.072,"endTime":2098.452,"body":"a fantastic market to be in as well."},{"speaker":"Ace Hagerty","startTime":2099.142,"endTime":2100.132,"body":"Lower price point."},{"speaker":"Ace Hagerty","startTime":2100.132,"endTime":2103.967,"body":"I ran my numbers not fully understanding"},{"speaker":"Ace Hagerty","startTime":2100.132,"endTime":2103.967,"body":"what construction costs were."},{"speaker":"Ace Hagerty","startTime":2104.457,"endTime":2110.427,"body":"I hired a contractor who wasn't the best"},{"speaker":"Ace Hagerty","startTime":2104.457,"endTime":2110.427,"body":"contractor around, but it was my fault"},{"speaker":"Ace Hagerty","startTime":2110.427,"endTime":2112.677,"body":"because I did not manage him properly."},{"speaker":"Ace Hagerty","startTime":2112.677,"endTime":2116.607,"body":"I didn't set up the right expectations,"},{"speaker":"Ace Hagerty","startTime":2112.677,"endTime":2116.607,"body":"and even if I did set up the right"},{"speaker":"Ace Hagerty","startTime":2116.607,"endTime":2120.507,"body":"expectations, I didn't hold him"},{"speaker":"Ace Hagerty","startTime":2116.607,"endTime":2120.507,"body":"accountable to those expectations"},{"speaker":"Ace Hagerty","startTime":2120.747,"endTime":2125.877,"body":"throughout the project, and so I didn't"},{"speaker":"Ace Hagerty","startTime":2120.747,"endTime":2125.877,"body":"keep very good control of my budget."},{"speaker":"Ace Hagerty","startTime":2127.112,"endTime":2130.682,"body":"Then when we went to sell, it"},{"speaker":"Ace Hagerty","startTime":2127.112,"endTime":2130.682,"body":"wasn't the best time of year."},{"speaker":"Ace Hagerty","startTime":2130.862,"endTime":2134.432,"body":"There was a little bit of a lull"},{"speaker":"Ace Hagerty","startTime":2130.862,"endTime":2134.432,"body":"for whatever reason, I forget"},{"speaker":"Ace Hagerty","startTime":2134.582,"endTime":2138.782,"body":"exactly why, but I just wasn't"},{"speaker":"Ace Hagerty","startTime":2134.582,"endTime":2138.782,"body":"paying attention to the project."},{"speaker":"Ace Hagerty","startTime":2138.872,"endTime":2142.652,"body":"I wasn't giving it my focus or my energy"},{"speaker":"Ace Hagerty","startTime":2138.872,"endTime":2142.652,"body":"that I needed to, even though I took"},{"speaker":"Ace Hagerty","startTime":2142.832,"endTime":2147.992,"body":"a step back, I wasn't managing the"},{"speaker":"Ace Hagerty","startTime":2142.832,"endTime":2147.992,"body":"project anymore, and I trusted a realtor."},{"speaker":"Ace Hagerty","startTime":2148.577,"endTime":2150.857,"body":"Who ended up not being"},{"speaker":"Ace Hagerty","startTime":2148.577,"endTime":2150.857,"body":"the best of realtors."},{"speaker":"Ace Hagerty","startTime":2150.977,"endTime":2155.277,"body":"His a RV wasn't very good, and that"},{"speaker":"Ace Hagerty","startTime":2150.977,"endTime":2155.277,"body":"was up to me to really double check and"},{"speaker":"Ace Hagerty","startTime":2155.277,"endTime":2157.467,"body":"make sure that the comps worked out."},{"speaker":"Ace Hagerty","startTime":2158.007,"endTime":2159.387,"body":"And I didn't do that."},{"speaker":"Ace Hagerty","startTime":2159.987,"endTime":2161.427,"body":"And I didn't manage my budget."},{"speaker":"Ace Hagerty","startTime":2161.427,"endTime":2165.267,"body":"So budget went up and he tried"},{"speaker":"Ace Hagerty","startTime":2161.427,"endTime":2165.267,"body":"to get me on change orders that"},{"speaker":"Ace Hagerty","startTime":2165.627,"endTime":2167.277,"body":"I just wasn't on site enough."},{"speaker":"Ace Hagerty","startTime":2167.817,"endTime":2173.427,"body":"And jumping into a new market"},{"speaker":"Ace Hagerty","startTime":2167.817,"endTime":2173.427,"body":"and a new area, I should have"},{"speaker":"Ace Hagerty","startTime":2173.937,"endTime":2175.407,"body":"put more controls in place."},{"speaker":"Ace Hagerty","startTime":2175.467,"endTime":2177.117,"body":"I should have looked at my numbers more."},{"speaker":"Ace Hagerty","startTime":2177.117,"endTime":2177.597,"body":"I should have."},{"speaker":"Ace Hagerty","startTime":2178.137,"endTime":2179.787,"body":"Kept score of my metrics better."},{"speaker":"Ace Hagerty","startTime":2180.027,"endTime":2182.667,"body":"So I was just making little mistakes"},{"speaker":"Ace Hagerty","startTime":2180.027,"endTime":2182.667,"body":"all over the place, cuz in California"},{"speaker":"Ace Hagerty","startTime":2182.667,"endTime":2187.287,"body":"I knew the crews, I knew what the"},{"speaker":"Ace Hagerty","startTime":2182.667,"endTime":2187.287,"body":"costs were, I trusted my guys."},{"speaker":"Ace Hagerty","startTime":2187.947,"endTime":2191.157,"body":"But here I am in a new market"},{"speaker":"Ace Hagerty","startTime":2187.947,"endTime":2191.157,"body":"and I was, I didn't have all of"},{"speaker":"Ace Hagerty","startTime":2191.162,"endTime":2193.077,"body":"that, which I had in California."},{"speaker":"Ace Hagerty","startTime":2193.467,"endTime":2196.851,"body":"And so a lot of it I wasn't even"},{"speaker":"Ace Hagerty","startTime":2193.467,"endTime":2196.851,"body":"aware of because you're not aware"},{"speaker":"Ace Hagerty","startTime":2197.511,"endTime":2201.141,"body":"of what's, what the mistakes are"},{"speaker":"Ace Hagerty","startTime":2197.511,"endTime":2201.141,"body":"until you make them a lot of times."},{"speaker":"Ace Hagerty","startTime":2201.906,"endTime":2204.996,"body":"And so ended up losing on that deal."},{"speaker":"Ace Hagerty","startTime":2205.326,"endTime":2209.476,"body":"Just got out of it after selling to"},{"speaker":"Ace Hagerty","startTime":2205.326,"endTime":2209.476,"body":"some homeowners, dropped my price."},{"speaker":"Ace Hagerty","startTime":2209.476,"endTime":2213.586,"body":"Dropped my price, and I think"},{"speaker":"Ace Hagerty","startTime":2209.476,"endTime":2213.586,"body":"I lost about 35 grand on that."},{"speaker":"Average Joe Finances","startTime":2213.591,"endTime":2213.816,"body":"Oh, wow."},{"speaker":"Ace Hagerty","startTime":2213.886,"endTime":2214.486,"body":"Deal."},{"speaker":"Ace Hagerty","startTime":2214.646,"endTime":2217.706,"body":"Which probably I think has"},{"speaker":"Ace Hagerty","startTime":2214.646,"endTime":2217.706,"body":"been one of my bigger losses."},{"speaker":"Ace Hagerty","startTime":2217.706,"endTime":2221.966,"body":"I've lost a little bit of money here"},{"speaker":"Ace Hagerty","startTime":2217.706,"endTime":2221.966,"body":"and there, but that really stung because"},{"speaker":"Ace Hagerty","startTime":2222.026,"endTime":2227.786,"body":"I did not ever lose money before that,"},{"speaker":"Ace Hagerty","startTime":2222.026,"endTime":2227.786,"body":"and I was damn sure not gonna lose"},{"speaker":"Ace Hagerty","startTime":2227.786,"endTime":2230.216,"body":"money after then to make things worse."},{"speaker":"Ace Hagerty","startTime":2231.551,"endTime":2235.841,"body":"I almost couldn't pay for my wedding"},{"speaker":"Ace Hagerty","startTime":2231.551,"endTime":2235.841,"body":"because two weeks before the wedding I"},{"speaker":"Ace Hagerty","startTime":2235.841,"endTime":2239.981,"body":"couldn't pay any of my vendors because"},{"speaker":"Ace Hagerty","startTime":2235.841,"endTime":2239.981,"body":"all my money was tied up in my projects."},{"speaker":"Ace Hagerty","startTime":2239.986,"endTime":2244.596,"body":"And thank God that project sold and I got"},{"speaker":"Ace Hagerty","startTime":2239.986,"endTime":2244.596,"body":"the closing two weeks before my wedding."},{"speaker":"Ace Hagerty","startTime":2245.166,"endTime":2248.796,"body":"Now I would've been able to borrow money"},{"speaker":"Ace Hagerty","startTime":2245.166,"endTime":2248.796,"body":"from maybe, you get resourceful, right?"},{"speaker":"Ace Hagerty","startTime":2249.066,"endTime":2250.866,"body":"I could have borrowed"},{"speaker":"Ace Hagerty","startTime":2249.066,"endTime":2250.866,"body":"money from a relative."},{"speaker":"Ace Hagerty","startTime":2251.421,"endTime":2255.891,"body":"Or maybe somehow get a private loan"},{"speaker":"Ace Hagerty","startTime":2251.421,"endTime":2255.891,"body":"from another investor or something."},{"speaker":"Ace Hagerty","startTime":2256.521,"endTime":2259.131,"body":"But how embarrassing"},{"speaker":"Ace Hagerty","startTime":2256.521,"endTime":2259.131,"body":"is that on the surface?"},{"speaker":"Ace Hagerty","startTime":2259.131,"endTime":2259.851,"body":"Like you Yeah."},{"speaker":"Ace Hagerty","startTime":2259.851,"endTime":2261.591,"body":"Almost couldn't pay for your wedding."},{"speaker":"Ace Hagerty","startTime":2262.971,"endTime":2263.151,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":2263.156,"endTime":2263.391,"body":"Wow."},{"speaker":"Ace Hagerty","startTime":2263.391,"endTime":2264.341,"body":"And that really hurt."},{"speaker":"Ace Hagerty","startTime":2264.341,"endTime":2267.821,"body":"So on top of it not being a great"},{"speaker":"Ace Hagerty","startTime":2264.341,"endTime":2267.821,"body":"investment and a great flip,"},{"speaker":"Ace Hagerty","startTime":2267.826,"endTime":2271.381,"body":"and I lost money, I almost was"},{"speaker":"Ace Hagerty","startTime":2267.826,"endTime":2271.381,"body":"not able to pay for my wedding."},{"speaker":"Ace Hagerty","startTime":2271.441,"endTime":2272.311,"body":"So that was."},{"speaker":"Average Joe Finances","startTime":2272.311,"endTime":2273.511,"body":"At"},{"speaker":"Average Joe Finances","startTime":2272.311,"endTime":2273.511,"body":"least that's pretty rough."},{"speaker":"Average Joe Finances","startTime":2273.516,"endTime":2275.791,"body":"So I definitely appreciate your"},{"speaker":"Average Joe Finances","startTime":2273.516,"endTime":2275.791,"body":"transparency there because."},{"speaker":"Average Joe Finances","startTime":2276.556,"endTime":2280.806,"body":"That, that went a lot deeper, than"},{"speaker":"Average Joe Finances","startTime":2276.556,"endTime":2280.806,"body":"just, Hey, this mistake that I made"},{"speaker":"Average Joe Finances","startTime":2280.806,"endTime":2282.396,"body":"in real estate, I lost, some money."},{"speaker":"Average Joe Finances","startTime":2282.726,"endTime":2288.216,"body":"No, th this was like, you almost"},{"speaker":"Average Joe Finances","startTime":2282.726,"endTime":2288.216,"body":"lost a lot more than just $35,000."},{"speaker":"Average Joe Finances","startTime":2288.216,"endTime":2289.926,"body":"So I definitely appreciate"},{"speaker":"Average Joe Finances","startTime":2288.216,"endTime":2289.926,"body":"you sharing that."},{"speaker":"Average Joe Finances","startTime":2290.366,"endTime":2294.346,"body":"The next question I have these all"},{"speaker":"Average Joe Finances","startTime":2290.366,"endTime":2294.346,"body":"kind of tie into each other but what is"},{"speaker":"Average Joe Finances","startTime":2294.346,"endTime":2298.546,"body":"something that you've learned that you"},{"speaker":"Average Joe Finances","startTime":2294.346,"endTime":2298.546,"body":"wish you knew when you first started?"},{"speaker":"Ace Hagerty","startTime":2300.886,"endTime":2301.636,"body":"Oh man."},{"speaker":"Ace Hagerty","startTime":2301.966,"endTime":2303.196,"body":"Yeah there's a lot."},{"speaker":"Ace Hagerty","startTime":2303.196,"endTime":2309.076,"body":"Cause I learned a lot through mistakes"},{"speaker":"Ace Hagerty","startTime":2303.196,"endTime":2309.076,"body":"like I alluded to or said before."},{"speaker":"Ace Hagerty","startTime":2309.156,"endTime":2314.916,"body":"I think just being better with my"},{"speaker":"Ace Hagerty","startTime":2309.156,"endTime":2314.916,"body":"numbers, knowing my numbers cuz I"},{"speaker":"Ace Hagerty","startTime":2314.916,"endTime":2317.706,"body":"had such high margins in California"},{"speaker":"Ace Hagerty","startTime":2314.916,"endTime":2317.706,"body":"because I had a good realtor."},{"speaker":"Ace Hagerty","startTime":2318.441,"endTime":2319.671,"body":"Good contractors."},{"speaker":"Ace Hagerty","startTime":2320.061,"endTime":2324.441,"body":"I was doing it with bank financing,"},{"speaker":"Ace Hagerty","startTime":2320.061,"endTime":2324.441,"body":"which was at a good interest rate."},{"speaker":"Ace Hagerty","startTime":2325.011,"endTime":2328.611,"body":"And so certain things, certain"},{"speaker":"Ace Hagerty","startTime":2325.011,"endTime":2328.611,"body":"fundamentals that every investor"},{"speaker":"Ace Hagerty","startTime":2328.611,"endTime":2333.316,"body":"should do, run good, accurate"},{"speaker":"Ace Hagerty","startTime":2328.611,"endTime":2333.316,"body":"numbers, get good accurate comps,"},{"speaker":"Ace Hagerty","startTime":2333.316,"endTime":2338.116,"body":"get good accurate costs for rehab,"},{"speaker":"Ace Hagerty","startTime":2333.316,"endTime":2338.116,"body":"holding costs, all the stuff you can"},{"speaker":"Ace Hagerty","startTime":2338.116,"endTime":2339.736,"body":"just freaking go on bigger pockets."},{"speaker":"Ace Hagerty","startTime":2339.736,"endTime":2342.316,"body":"And then they have their own"},{"speaker":"Ace Hagerty","startTime":2339.736,"endTime":2342.316,"body":"calculators that you can use."},{"speaker":"Average Joe Finances","startTime":2342.586,"endTime":2342.766,"body":"Yep."},{"speaker":"Ace Hagerty","startTime":2343.876,"endTime":2344.836,"body":"Know your numbers."},{"speaker":"Ace Hagerty","startTime":2345.781,"endTime":2347.071,"body":"Know your numbers."},{"speaker":"Ace Hagerty","startTime":2347.071,"endTime":2348.001,"body":"Numbers don't lie."},{"speaker":"Ace Hagerty","startTime":2348.571,"endTime":2353.221,"body":"And another thing too, don't manipulate"},{"speaker":"Ace Hagerty","startTime":2348.571,"endTime":2353.221,"body":"your numbers to make them look better."},{"speaker":"Ace Hagerty","startTime":2353.221,"endTime":2357.236,"body":"It's easy to manipulate numbers"},{"speaker":"Ace Hagerty","startTime":2353.221,"endTime":2357.236,"body":"and hope that you'll get the"},{"speaker":"Ace Hagerty","startTime":2357.236,"endTime":2358.256,"body":"return you're looking for."},{"speaker":"Ace Hagerty","startTime":2358.256,"endTime":2358.856,"body":"You hope."},{"speaker":"Average Joe Finances","startTime":2358.946,"endTime":2359.036,"body":"Yes."},{"speaker":"Ace Hagerty","startTime":2359.036,"endTime":2362.126,"body":"Because if you hope"},{"speaker":"Ace Hagerty","startTime":2359.036,"endTime":2362.126,"body":"also, that's never gonna happen."},{"speaker":"Ace Hagerty","startTime":2362.126,"endTime":2362.216,"body":"Yes."},{"speaker":"Ace Hagerty","startTime":2362.246,"endTime":2363.536,"body":"Look where we are right now."},{"speaker":"Ace Hagerty","startTime":2364.556,"endTime":2367.306,"body":"A lot of my developments I've made"},{"speaker":"Ace Hagerty","startTime":2364.556,"endTime":2367.306,"body":"pretty decent money on, but there's"},{"speaker":"Ace Hagerty","startTime":2367.306,"endTime":2370.966,"body":"others that are not selling right now"},{"speaker":"Ace Hagerty","startTime":2367.306,"endTime":2370.966,"body":"for just different reasons, whether"},{"speaker":"Ace Hagerty","startTime":2370.966,"endTime":2373.096,"body":"it's a Airbnb or a single family home."},{"speaker":"Ace Hagerty","startTime":2373.576,"endTime":2375.106,"body":"Interest rates affect all of that."},{"speaker":"Ace Hagerty","startTime":2375.106,"endTime":2380.926,"body":"So the hope of the profits I was gonna"},{"speaker":"Ace Hagerty","startTime":2375.106,"endTime":2380.926,"body":"make, I'm not gonna make those, but"},{"speaker":"Ace Hagerty","startTime":2380.926,"endTime":2383.806,"body":"you know what, it's all right because"},{"speaker":"Ace Hagerty","startTime":2380.926,"endTime":2383.806,"body":"I've learned not to hope anymore."},{"speaker":"Ace Hagerty","startTime":2384.286,"endTime":2387.106,"body":"Yes, there's best case,"},{"speaker":"Ace Hagerty","startTime":2384.286,"endTime":2387.106,"body":"but what's worst case?"},{"speaker":"Ace Hagerty","startTime":2387.646,"endTime":2391.051,"body":"And and so yeah, if I would've"},{"speaker":"Ace Hagerty","startTime":2387.646,"endTime":2391.051,"body":"known my numbers better."},{"speaker":"Ace Hagerty","startTime":2391.396,"endTime":2393.976,"body":"I would not have made"},{"speaker":"Ace Hagerty","startTime":2391.396,"endTime":2393.976,"body":"that $35,000 mistake."},{"speaker":"Ace Hagerty","startTime":2393.976,"endTime":2397.486,"body":"But then again, that $35,000"},{"speaker":"Ace Hagerty","startTime":2393.976,"endTime":2397.486,"body":"mistake has made me a lot more"},{"speaker":"Ace Hagerty","startTime":2397.486,"endTime":2399.286,"body":"than $35,000 over the years."},{"speaker":"Average Joe Finances","startTime":2399.496,"endTime":2401.596,"body":"Yeah, I mean"},{"speaker":"Average Joe Finances","startTime":2399.496,"endTime":2401.596,"body":"it was, it was an educational tool."},{"speaker":"Average Joe Finances","startTime":2401.596,"endTime":2404.526,"body":"So I really appreciate what you said"},{"speaker":"Average Joe Finances","startTime":2401.596,"endTime":2404.526,"body":"too about not fudging your numbers"},{"speaker":"Average Joe Finances","startTime":2404.531,"endTime":2407.016,"body":"and changing that, cuz I've talked"},{"speaker":"Average Joe Finances","startTime":2404.531,"endTime":2407.016,"body":"about that several times on this"},{"speaker":"Average Joe Finances","startTime":2407.016,"endTime":2413.226,"body":"podcast where, you know if something"},{"speaker":"Average Joe Finances","startTime":2407.016,"endTime":2413.226,"body":"doesn't pass the, doesn't pass your"},{"speaker":"Average Joe Finances","startTime":2413.226,"endTime":2418.086,"body":"sniff test, don't force it to pass the"},{"speaker":"Average Joe Finances","startTime":2413.226,"endTime":2418.086,"body":"sniff test cuz it's still gonna stink."},{"speaker":"Average Joe Finances","startTime":2418.491,"endTime":2422.481,"body":"So I definitely appreciate that cuz,"},{"speaker":"Average Joe Finances","startTime":2418.491,"endTime":2422.481,"body":"I feel like the folks that wind up"},{"speaker":"Average Joe Finances","startTime":2422.481,"endTime":2426.821,"body":"getting to the point where they feel"},{"speaker":"Average Joe Finances","startTime":2422.481,"endTime":2426.821,"body":"like they're gonna lose everything"},{"speaker":"Average Joe Finances","startTime":2426.881,"endTime":2429.101,"body":"is because they overestimated."},{"speaker":"Average Joe Finances","startTime":2429.621,"endTime":2431.226,"body":"Or they just didn't do"},{"speaker":"Average Joe Finances","startTime":2429.621,"endTime":2431.226,"body":"their numbers right."},{"speaker":"Average Joe Finances","startTime":2431.566,"endTime":2435.706,"body":"Or they said if I do this, if I tweak"},{"speaker":"Average Joe Finances","startTime":2431.566,"endTime":2435.706,"body":"this here, this'll look better on"},{"speaker":"Average Joe Finances","startTime":2435.706,"endTime":2437.146,"body":"the back end here and this and that."},{"speaker":"Average Joe Finances","startTime":2438.431,"endTime":2439.206,"body":"That's a mistake."},{"speaker":"Average Joe Finances","startTime":2439.206,"endTime":2444.756,"body":"If you have your own set of rules for"},{"speaker":"Average Joe Finances","startTime":2439.206,"endTime":2444.756,"body":"yourself, do not go outside of that."},{"speaker":"Average Joe Finances","startTime":2445.066,"endTime":2449.371,"body":"Do what's right and don't try"},{"speaker":"Average Joe Finances","startTime":2445.066,"endTime":2449.371,"body":"to change it to make it work."},{"speaker":"Average Joe Finances","startTime":2449.376,"endTime":2450.991,"body":"So I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2450.991,"endTime":2455.711,"body":"So speaking of the next question is"},{"speaker":"Average Joe Finances","startTime":2450.991,"endTime":2455.711,"body":"ACE, do you have any tips or tricks"},{"speaker":"Average Joe Finances","startTime":2456.041,"endTime":2459.881,"body":"that you would recommend to someone"},{"speaker":"Average Joe Finances","startTime":2456.041,"endTime":2459.881,"body":"that is just getting started out today?"},{"speaker":"Ace Hagerty","startTime":2462.296,"endTime":2463.286,"body":"Tips or tricks?"},{"speaker":"Ace Hagerty","startTime":2463.346,"endTime":2466.256,"body":"When I started, I did the Brrr"},{"speaker":"Ace Hagerty","startTime":2463.346,"endTime":2466.256,"body":"method, which I'm sure your"},{"speaker":"Ace Hagerty","startTime":2466.256,"endTime":2467.636,"body":"audience is very familiar with."},{"speaker":"Ace Hagerty","startTime":2467.756,"endTime":2471.356,"body":"It wasn't even called the"},{"speaker":"Ace Hagerty","startTime":2467.756,"endTime":2471.356,"body":"Brrr method back then."},{"speaker":"Ace Hagerty","startTime":2471.626,"endTime":2472.016,"body":"I don't know."},{"speaker":"Ace Hagerty","startTime":2472.016,"endTime":2473.511,"body":"I just go back to the basics."},{"speaker":"Ace Hagerty","startTime":2473.611,"endTime":2476.966,"body":"Robert Kiyosaki, rich Dad, poor Dad, is"},{"speaker":"Ace Hagerty","startTime":2473.611,"endTime":2476.966,"body":"one of my favorite books of all time."},{"speaker":"Ace Hagerty","startTime":2477.866,"endTime":2481.496,"body":"He talks about OPM, other people's"},{"speaker":"Ace Hagerty","startTime":2477.866,"endTime":2481.496,"body":"money and OPT, other people's"},{"speaker":"Ace Hagerty","startTime":2481.496,"endTime":2484.646,"body":"time and those, the fundamentals."},{"speaker":"Ace Hagerty","startTime":2484.646,"endTime":2486.056,"body":"I always go back to the basics."},{"speaker":"Ace Hagerty","startTime":2486.056,"endTime":2489.386,"body":"Kobe Bryant, from a basketball"},{"speaker":"Ace Hagerty","startTime":2486.056,"endTime":2489.386,"body":"standpoint, I hate the Lakers."},{"speaker":"Ace Hagerty","startTime":2489.386,"endTime":2492.896,"body":"I'm a Golden State Warriors fan,"},{"speaker":"Ace Hagerty","startTime":2489.386,"endTime":2492.896,"body":"but I love Kobe Bryant and he"},{"speaker":"Ace Hagerty","startTime":2492.896,"endTime":2494.726,"body":"would always go back to the basics."},{"speaker":"Ace Hagerty","startTime":2495.296,"endTime":2497.846,"body":"So I'm tips or tricks."},{"speaker":"Ace Hagerty","startTime":2498.056,"endTime":2499.106,"body":"Learn the basics."},{"speaker":"Ace Hagerty","startTime":2499.616,"endTime":2500.576,"body":"Learn your numbers."},{"speaker":"Ace Hagerty","startTime":2500.996,"endTime":2504.446,"body":"And then you could do cool things"},{"speaker":"Ace Hagerty","startTime":2500.996,"endTime":2504.446,"body":"like leveraging other people's money,"},{"speaker":"Ace Hagerty","startTime":2504.446,"endTime":2508.496,"body":"whether it's a bank, whether it's a"},{"speaker":"Ace Hagerty","startTime":2504.446,"endTime":2508.496,"body":"hard money lender, private investors,"},{"speaker":"Ace Hagerty","startTime":2508.496,"endTime":2512.436,"body":"friends, family and then other"},{"speaker":"Ace Hagerty","startTime":2508.496,"endTime":2512.436,"body":"people's time, like the who, not how."},{"speaker":"Ace Hagerty","startTime":2512.916,"endTime":2518.106,"body":"And once you start just doing the basics,"},{"speaker":"Ace Hagerty","startTime":2512.916,"endTime":2518.106,"body":"like with basketball, learning how to"},{"speaker":"Ace Hagerty","startTime":2518.156,"endTime":2520.436,"body":"dribble and pass and basic shooting."},{"speaker":"Ace Hagerty","startTime":2521.351,"endTime":2523.121,"body":"You can do a lot of damage."},{"speaker":"Ace Hagerty","startTime":2523.121,"endTime":2527.621,"body":"You don't have to worry about the"},{"speaker":"Ace Hagerty","startTime":2523.121,"endTime":2527.621,"body":"seller financing stuff or the zero down"},{"speaker":"Ace Hagerty","startTime":2527.801,"endTime":2529.781,"body":"stuff that a lot of these gurus teach."},{"speaker":"Ace Hagerty","startTime":2529.781,"endTime":2533.951,"body":"The more intricate, and there, there's"},{"speaker":"Ace Hagerty","startTime":2529.781,"endTime":2533.951,"body":"places for that, don't get me wrong,"},{"speaker":"Ace Hagerty","startTime":2534.401,"endTime":2539.921,"body":"but for someone starting out, just read"},{"speaker":"Ace Hagerty","startTime":2534.401,"endTime":2539.921,"body":"the classic books and learn the classic"},{"speaker":"Ace Hagerty","startTime":2539.921,"endTime":2544.991,"body":"formulas and the classic ways of doing"},{"speaker":"Ace Hagerty","startTime":2539.921,"endTime":2544.991,"body":"things because those aren't gonna change."},{"speaker":"Ace Hagerty","startTime":2545.786,"endTime":2546.506,"body":"The basics."},{"speaker":"Ace Hagerty","startTime":2546.566,"endTime":2549.596,"body":"Never change the basic principles, because"},{"speaker":"Ace Hagerty","startTime":2546.566,"endTime":2549.596,"body":"once you've learned those principles,"},{"speaker":"Ace Hagerty","startTime":2549.836,"endTime":2554.336,"body":"then you can do the cute stuff and"},{"speaker":"Ace Hagerty","startTime":2549.836,"endTime":2554.336,"body":"the brrr method stuff and all of that."},{"speaker":"Average Joe Finances","startTime":2555.476,"endTime":2557.156,"body":"Yeah, no"},{"speaker":"Average Joe Finances","startTime":2555.476,"endTime":2557.156,"body":"I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2557.156,"endTime":2558.296,"body":"Get the basics down."},{"speaker":"Average Joe Finances","startTime":2558.296,"endTime":2559.556,"body":"That, that is super huge."},{"speaker":"Average Joe Finances","startTime":2559.556,"endTime":2560.426,"body":"Great tip there."},{"speaker":"Average Joe Finances","startTime":2560.856,"endTime":2564.846,"body":"Okay, now you've already mentioned"},{"speaker":"Average Joe Finances","startTime":2560.856,"endTime":2564.846,"body":"some really good books, and I"},{"speaker":"Average Joe Finances","startTime":2564.846,"endTime":2567.426,"body":"know you have your own podcast,"},{"speaker":"Average Joe Finances","startTime":2564.846,"endTime":2567.426,"body":"so I'm gonna preface this with."},{"speaker":"Average Joe Finances","startTime":2568.086,"endTime":2570.276,"body":"Besides your own and"},{"speaker":"Average Joe Finances","startTime":2568.086,"endTime":2570.276,"body":"your own book as well."},{"speaker":"Average Joe Finances","startTime":2570.646,"endTime":2573.736,"body":"Do you have a favorite business"},{"speaker":"Average Joe Finances","startTime":2570.646,"endTime":2573.736,"body":"investing or real estate"},{"speaker":"Average Joe Finances","startTime":2573.736,"endTime":2575.866,"body":"related book or podcast or both?"},{"speaker":"Ace Hagerty","startTime":2577.846,"endTime":2578.596,"body":"Oh, man."},{"speaker":"Ace Hagerty","startTime":2579.376,"endTime":2579.766,"body":"Yeah."},{"speaker":"Ace Hagerty","startTime":2579.826,"endTime":2582.701,"body":"I just have to keep going back"},{"speaker":"Ace Hagerty","startTime":2579.826,"endTime":2582.701,"body":"to the basics with all of that."},{"speaker":"Ace Hagerty","startTime":2582.706,"endTime":2587.261,"body":"I read The Millionaire Real"},{"speaker":"Ace Hagerty","startTime":2582.706,"endTime":2587.261,"body":"Estate Investor by Gary Keller."},{"speaker":"Ace Hagerty","startTime":2588.281,"endTime":2590.981,"body":"Man, that is such a classic"},{"speaker":"Ace Hagerty","startTime":2588.281,"endTime":2590.981,"body":"book, but it covers."},{"speaker":"Ace Hagerty","startTime":2591.626,"endTime":2595.526,"body":"All of the basics gives you"},{"speaker":"Ace Hagerty","startTime":2591.626,"endTime":2595.526,"body":"formulas, talks about how to build"},{"speaker":"Ace Hagerty","startTime":2595.526,"endTime":2600.596,"body":"a proper team, and I find that in"},{"speaker":"Ace Hagerty","startTime":2595.526,"endTime":2600.596,"body":"my career when I break any of those"},{"speaker":"Ace Hagerty","startTime":2600.596,"endTime":2606.446,"body":"fundamental principles, something"},{"speaker":"Ace Hagerty","startTime":2600.596,"endTime":2606.446,"body":"not so good will probably happen."},{"speaker":"Ace Hagerty","startTime":2607.436,"endTime":2608.786,"body":"Quick little story."},{"speaker":"Ace Hagerty","startTime":2609.566,"endTime":2610.826,"body":"It's taken me 10 years."},{"speaker":"Ace Hagerty","startTime":2611.726,"endTime":2614.576,"body":"I'm at the precipice of"},{"speaker":"Ace Hagerty","startTime":2611.726,"endTime":2614.576,"body":"becoming financially free."},{"speaker":"Ace Hagerty","startTime":2614.576,"endTime":2615.596,"body":"I'm one of those guys."},{"speaker":"Ace Hagerty","startTime":2616.616,"endTime":2618.056,"body":"Jack of all trades, master of none."},{"speaker":"Ace Hagerty","startTime":2618.056,"endTime":2621.296,"body":"I've told you I've done turnkey"},{"speaker":"Ace Hagerty","startTime":2618.056,"endTime":2621.296,"body":"long-term, short-term buy"},{"speaker":"Ace Hagerty","startTime":2621.296,"endTime":2623.446,"body":"and hold flips, you name it."},{"speaker":"Ace Hagerty","startTime":2624.136,"endTime":2629.446,"body":"I've done a little bit of everything,"},{"speaker":"Ace Hagerty","startTime":2624.136,"endTime":2629.446,"body":"and a close friend of mine, the guy that"},{"speaker":"Ace Hagerty","startTime":2629.446,"endTime":2634.076,"body":"hiked that first tall mountain with me,"},{"speaker":"Ace Hagerty","startTime":2629.446,"endTime":2634.076,"body":"he's a business owner, not very big in"},{"speaker":"Ace Hagerty","startTime":2634.076,"endTime":2638.066,"body":"real estate, doesn't know much about"},{"speaker":"Ace Hagerty","startTime":2634.076,"endTime":2638.066,"body":"it, but he followed the principles."},{"speaker":"Ace Hagerty","startTime":2638.711,"endTime":2642.671,"body":"He's a great business owner, great"},{"speaker":"Ace Hagerty","startTime":2638.711,"endTime":2642.671,"body":"with systems, and knows how to get"},{"speaker":"Ace Hagerty","startTime":2642.676,"endTime":2645.611,"body":"people in the right place, but doesn't"},{"speaker":"Ace Hagerty","startTime":2642.676,"endTime":2645.611,"body":"know really much about real estate."},{"speaker":"Ace Hagerty","startTime":2645.611,"endTime":2646.991,"body":"I can run circles around him."},{"speaker":"Ace Hagerty","startTime":2648.461,"endTime":2654.041,"body":"18 months ago, he decided to buy 70 houses"},{"speaker":"Ace Hagerty","startTime":2648.461,"endTime":2654.041,"body":"in Eastern Pennsylvania where he's from."},{"speaker":"Ace Hagerty","startTime":2654.046,"endTime":2658.391,"body":"So he went locally and he got the"},{"speaker":"Ace Hagerty","startTime":2654.046,"endTime":2658.391,"body":"right people in the place, got"},{"speaker":"Ace Hagerty","startTime":2658.391,"endTime":2661.751,"body":"the right funding, found the right"},{"speaker":"Ace Hagerty","startTime":2658.391,"endTime":2661.751,"body":"contractors, the right property"},{"speaker":"Ace Hagerty","startTime":2661.751,"endTime":2666.371,"body":"management company, and within 18"},{"speaker":"Ace Hagerty","startTime":2661.751,"endTime":2666.371,"body":"months he became financially free."},{"speaker":"Ace Hagerty","startTime":2666.986,"endTime":2671.366,"body":"Just by following basic business"},{"speaker":"Ace Hagerty","startTime":2666.986,"endTime":2671.366,"body":"principles and didn't know more than"},{"speaker":"Ace Hagerty","startTime":2671.366,"endTime":2676.406,"body":"just, yeah, a BiggerPockets calculator"},{"speaker":"Ace Hagerty","startTime":2671.366,"endTime":2676.406,"body":"or just your standard buy and hold"},{"speaker":"Ace Hagerty","startTime":2676.976,"endTime":2678.846,"body":"formulas that you'll get in that book."},{"speaker":"Ace Hagerty","startTime":2679.006,"endTime":2683.026,"body":"The Millionaire Real Estate Investor,"},{"speaker":"Ace Hagerty","startTime":2679.006,"endTime":2683.026,"body":"he did not try to overcomplicate things."},{"speaker":"Ace Hagerty","startTime":2683.026,"endTime":2686.806,"body":"He kept it very simple and it didn't"},{"speaker":"Ace Hagerty","startTime":2683.026,"endTime":2686.806,"body":"take up a lot of his time because he had"},{"speaker":"Ace Hagerty","startTime":2686.866,"endTime":2689.596,"body":"other people doing everything for him."},{"speaker":"Ace Hagerty","startTime":2689.596,"endTime":2690.766,"body":"He has other businesses."},{"speaker":"Ace Hagerty","startTime":2691.321,"endTime":2695.431,"body":"That he's way more passionate about,"},{"speaker":"Ace Hagerty","startTime":2691.321,"endTime":2695.431,"body":"that he was caring about growing."},{"speaker":"Ace Hagerty","startTime":2695.431,"endTime":2699.901,"body":"He just wanted that so he could have"},{"speaker":"Ace Hagerty","startTime":2695.431,"endTime":2699.901,"body":"good, stable investments, brick and"},{"speaker":"Ace Hagerty","startTime":2699.901,"endTime":2704.071,"body":"mortar investments that will get him"},{"speaker":"Ace Hagerty","startTime":2699.901,"endTime":2704.071,"body":"financially free, not when he retires, not"},{"speaker":"Ace Hagerty","startTime":2704.071,"endTime":2706.711,"body":"stocks, bonds, crypto, any of that stuff."},{"speaker":"Ace Hagerty","startTime":2707.281,"endTime":2713.821,"body":"He wanted passive cash flowing"},{"speaker":"Ace Hagerty","startTime":2707.281,"endTime":2713.821,"body":"properties, very minimal time and energy."},{"speaker":"Ace Hagerty","startTime":2714.331,"endTime":2715.621,"body":"And he did that in 18 months."},{"speaker":"Ace Hagerty","startTime":2715.621,"endTime":2718.956,"body":"He blew my mind away when he did that cuz"},{"speaker":"Ace Hagerty","startTime":2715.621,"endTime":2718.956,"body":"I was there with him throughout the whole"},{"speaker":"Ace Hagerty","startTime":2718.956,"endTime":2723.366,"body":"journey, helping them out just from like"},{"speaker":"Ace Hagerty","startTime":2718.956,"endTime":2723.366,"body":"more of a coaching friend standpoint."},{"speaker":"Ace Hagerty","startTime":2723.366,"endTime":2728.346,"body":"But he completely changed my look on"},{"speaker":"Ace Hagerty","startTime":2723.366,"endTime":2728.346,"body":"how to run businesses properly and"},{"speaker":"Ace Hagerty","startTime":2728.346,"endTime":2732.396,"body":"how to just stay focused on, on one"},{"speaker":"Ace Hagerty","startTime":2728.346,"endTime":2732.396,"body":"thing and do it really freaking well."},{"speaker":"Average Joe Finances","startTime":2732.771,"endTime":2733.161,"body":"Yeah."},{"speaker":"Average Joe Finances","startTime":2733.241,"endTime":2734.971,"body":"That's awesome Ace that's phenomenal."},{"speaker":"Average Joe Finances","startTime":2734.971,"endTime":2739.096,"body":"I thank you for sharing that because,"},{"speaker":"Average Joe Finances","startTime":2734.971,"endTime":2739.096,"body":"a lot of times people think, oh, I have"},{"speaker":"Average Joe Finances","startTime":2739.101,"endTime":2744.191,"body":"to do, maybe just something really small"},{"speaker":"Average Joe Finances","startTime":2739.101,"endTime":2744.191,"body":"to start, you can, if you've got the"},{"speaker":"Average Joe Finances","startTime":2744.191,"endTime":2748.176,"body":"right resources and everything, you can"},{"speaker":"Average Joe Finances","startTime":2744.191,"endTime":2748.176,"body":"get right into something really big."},{"speaker":"Average Joe Finances","startTime":2748.456,"endTime":2750.856,"body":"As long as you're following"},{"speaker":"Average Joe Finances","startTime":2748.456,"endTime":2750.856,"body":"all the basic principles."},{"speaker":"Average Joe Finances","startTime":2751.351,"endTime":2753.241,"body":"It's just with higher numbers, right?"},{"speaker":"Average Joe Finances","startTime":2753.361,"endTime":2755.851,"body":"You're just adding a couple"},{"speaker":"Average Joe Finances","startTime":2753.361,"endTime":2755.851,"body":"more zeros onto the end of that."},{"speaker":"Average Joe Finances","startTime":2756.151,"endTime":2758.761,"body":"Yeah, you could go buy the a hundred"},{"speaker":"Average Joe Finances","startTime":2756.151,"endTime":2758.761,"body":"thousand dollars house, or you could buy"},{"speaker":"Average Joe Finances","startTime":2758.761,"endTime":2763.086,"body":"the $1 million multi-family property that"},{"speaker":"Average Joe Finances","startTime":2758.761,"endTime":2763.086,"body":"you know that everything looks better."},{"speaker":"Average Joe Finances","startTime":2763.486,"endTime":2765.741,"body":"It just depends on,"},{"speaker":"Average Joe Finances","startTime":2763.486,"endTime":2765.741,"body":"what your abilities are."},{"speaker":"Average Joe Finances","startTime":2765.741,"endTime":2767.811,"body":"So as long as you know"},{"speaker":"Average Joe Finances","startTime":2765.741,"endTime":2767.811,"body":"what your capabilities are."},{"speaker":"Average Joe Finances","startTime":2768.426,"endTime":2770.536,"body":"Know, there's, what you"},{"speaker":"Average Joe Finances","startTime":2768.426,"endTime":2770.536,"body":"can accomplish, right?"},{"speaker":"Average Joe Finances","startTime":2770.586,"endTime":2773.376,"body":"But following the basics, I think"},{"speaker":"Average Joe Finances","startTime":2770.586,"endTime":2773.376,"body":"that's the biggest takeaway."},{"speaker":"Average Joe Finances","startTime":2773.376,"endTime":2774.606,"body":"So I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2775.096,"endTime":2778.666,"body":"Okay, so that is it for"},{"speaker":"Average Joe Finances","startTime":2775.096,"endTime":2778.666,"body":"the final round Ace."},{"speaker":"Average Joe Finances","startTime":2778.671,"endTime":2781.786,"body":"However, I have another question I"},{"speaker":"Average Joe Finances","startTime":2778.671,"endTime":2781.786,"body":"wanna ask you, and this is probably"},{"speaker":"Average Joe Finances","startTime":2781.791,"endTime":2784.396,"body":"the most important question I'm"},{"speaker":"Average Joe Finances","startTime":2781.791,"endTime":2784.396,"body":"gonna ask you throughout this entire"},{"speaker":"Average Joe Finances","startTime":2784.396,"endTime":2789.226,"body":"interview, and that is, okay, you've"},{"speaker":"Average Joe Finances","startTime":2784.396,"endTime":2789.226,"body":"provided a lot of value, right?"},{"speaker":"Average Joe Finances","startTime":2789.306,"endTime":2789.666,"body":"Yes."},{"speaker":"Average Joe Finances","startTime":2789.716,"endTime":2790.646,"body":"We didn't talk."},{"speaker":"Average Joe Finances","startTime":2791.211,"endTime":2792.831,"body":"A hundred percent about"},{"speaker":"Average Joe Finances","startTime":2791.211,"endTime":2792.831,"body":"real estate, right?"},{"speaker":"Average Joe Finances","startTime":2792.831,"endTime":2796.951,"body":"We talked about, how you changed your"},{"speaker":"Average Joe Finances","startTime":2792.831,"endTime":2796.951,"body":"life, how you changed your mindset,"},{"speaker":"Average Joe Finances","startTime":2796.951,"endTime":2799.291,"body":"how you think, how you do, right?"},{"speaker":"Average Joe Finances","startTime":2799.711,"endTime":2804.096,"body":"And that provides a lot of value"},{"speaker":"Average Joe Finances","startTime":2799.711,"endTime":2804.096,"body":"to an audience like mine that"},{"speaker":"Average Joe Finances","startTime":2804.096,"endTime":2807.306,"body":"is probably in situations where"},{"speaker":"Average Joe Finances","startTime":2804.096,"endTime":2807.306,"body":"they're like, man, I feel like."},{"speaker":"Average Joe Finances","startTime":2808.116,"endTime":2811.386,"body":"Know I'm doing too much, or"},{"speaker":"Average Joe Finances","startTime":2808.116,"endTime":2811.386,"body":"maybe I'm doing too little."},{"speaker":"Average Joe Finances","startTime":2811.386,"endTime":2813.306,"body":"I can't find this balance right?"},{"speaker":"Average Joe Finances","startTime":2813.306,"endTime":2816.606,"body":"So I definitely appreciate the insight"},{"speaker":"Average Joe Finances","startTime":2813.306,"endTime":2816.606,"body":"and the value that you gave there."},{"speaker":"Average Joe Finances","startTime":2816.611,"endTime":2821.706,"body":"So speaking of where can people"},{"speaker":"Average Joe Finances","startTime":2816.611,"endTime":2821.706,"body":"find more information about you?"},{"speaker":"Average Joe Finances","startTime":2822.036,"endTime":2824.016,"body":"You have a website you could"},{"speaker":"Average Joe Finances","startTime":2822.036,"endTime":2824.016,"body":"share with us, social media."},{"speaker":"Average Joe Finances","startTime":2824.016,"endTime":2825.606,"body":"Where can we find your podcast?"},{"speaker":"Average Joe Finances","startTime":2825.756,"endTime":2827.196,"body":"Where can we get your book?"},{"speaker":"Average Joe Finances","startTime":2827.796,"endTime":2828.456,"body":"Hit us with it."},{"speaker":"Ace Hagerty","startTime":2829.221,"endTime":2829.961,"body":"I appreciate that."},{"speaker":"Ace Hagerty","startTime":2829.961,"endTime":2832.591,"body":"I appreciate the opportunity"},{"speaker":"Ace Hagerty","startTime":2829.961,"endTime":2832.591,"body":"to to talk about that with your"},{"speaker":"Ace Hagerty","startTime":2832.596,"endTime":2833.851,"body":"audience and sell my services."},{"speaker":"Ace Hagerty","startTime":2833.901,"endTime":2835.461,"body":"Everything's superhero by design."},{"speaker":"Ace Hagerty","startTime":2835.611,"endTime":2838.431,"body":"Go on Amazon Superhero by Design."},{"speaker":"Ace Hagerty","startTime":2838.521,"endTime":2842.691,"body":"Get the book, it'll teach you"},{"speaker":"Ace Hagerty","startTime":2838.521,"endTime":2842.691,"body":"phenomenal tools about leveraging"},{"speaker":"Ace Hagerty","startTime":2842.691,"endTime":2844.101,"body":"and changing your nervous system."},{"speaker":"Ace Hagerty","startTime":2844.881,"endTime":2849.741,"body":"Pretty funny, inspirational stories"},{"speaker":"Ace Hagerty","startTime":2844.881,"endTime":2849.741,"body":"of my chaotic life and how I"},{"speaker":"Ace Hagerty","startTime":2849.741,"endTime":2851.121,"body":"get through life and everything."},{"speaker":"Ace Hagerty","startTime":2851.121,"endTime":2854.011,"body":"But just valuable information"},{"speaker":"Ace Hagerty","startTime":2851.121,"endTime":2854.011,"body":"from some of the top"},{"speaker":"Ace Hagerty","startTime":2854.011,"endTime":2857.041,"body":"neuroscientists in the world today."},{"speaker":"Ace Hagerty","startTime":2857.491,"endTime":2862.741,"body":"The website is superherobydesign.com,"},{"speaker":"Ace Hagerty","startTime":2857.491,"endTime":2862.741,"body":"the podcast, you can find it anywhere."},{"speaker":"Ace Hagerty","startTime":2863.641,"endTime":2864.991,"body":"Superhero by design as well."},{"speaker":"Ace Hagerty","startTime":2864.991,"endTime":2869.401,"body":"On the podcast, I focus on"},{"speaker":"Ace Hagerty","startTime":2864.991,"endTime":2869.401,"body":"interviewing people who are"},{"speaker":"Ace Hagerty","startTime":2869.401,"endTime":2870.721,"body":"just doing incredible things."},{"speaker":"Ace Hagerty","startTime":2870.781,"endTime":2875.701,"body":"I consider them real life superheroes"},{"speaker":"Ace Hagerty","startTime":2870.781,"endTime":2875.701,"body":"and so they, whatever they do."},{"speaker":"Ace Hagerty","startTime":2876.136,"endTime":2880.276,"body":"Whether they're teaching inner city"},{"speaker":"Ace Hagerty","startTime":2876.136,"endTime":2880.276,"body":"youth or they're doing bigger things"},{"speaker":"Ace Hagerty","startTime":2880.276,"endTime":2885.341,"body":"on a grand scale all over the world,"},{"speaker":"Ace Hagerty","startTime":2880.276,"endTime":2885.341,"body":"changing people's lives it doesn't matter."},{"speaker":"Ace Hagerty","startTime":2885.611,"endTime":2889.781,"body":"What they do is they have"},{"speaker":"Ace Hagerty","startTime":2885.611,"endTime":2889.781,"body":"control of their lives."},{"speaker":"Ace Hagerty","startTime":2889.786,"endTime":2892.901,"body":"They're living the lives that they"},{"speaker":"Ace Hagerty","startTime":2889.786,"endTime":2892.901,"body":"want to do, and they just focus"},{"speaker":"Ace Hagerty","startTime":2892.901,"endTime":2894.221,"body":"on those two fundamental things."},{"speaker":"Ace Hagerty","startTime":2894.221,"endTime":2899.141,"body":"I've talked about growth and contribution,"},{"speaker":"Ace Hagerty","startTime":2894.221,"endTime":2899.141,"body":"and they are strong mission people,"},{"speaker":"Ace Hagerty","startTime":2899.441,"endTime":2903.821,"body":"and I did that because I wanted to"},{"speaker":"Ace Hagerty","startTime":2899.441,"endTime":2903.821,"body":"show people that there are just."},{"speaker":"Ace Hagerty","startTime":2904.466,"endTime":2907.676,"body":"Amazing people in this world that"},{"speaker":"Ace Hagerty","startTime":2904.466,"endTime":2907.676,"body":"are doing amazing things, and I just"},{"speaker":"Ace Hagerty","startTime":2907.796,"endTime":2912.086,"body":"wanted to, they inspire me every time"},{"speaker":"Ace Hagerty","startTime":2907.796,"endTime":2912.086,"body":"I interview them and talk to them."},{"speaker":"Ace Hagerty","startTime":2912.086,"endTime":2917.276,"body":"And all I wanna do is inspire my audience"},{"speaker":"Ace Hagerty","startTime":2912.086,"endTime":2917.276,"body":"to think bigger, to feel empowered so"},{"speaker":"Ace Hagerty","startTime":2917.276,"endTime":2921.356,"body":"that they can take control of their"},{"speaker":"Ace Hagerty","startTime":2917.276,"endTime":2921.356,"body":"lives and do whatever it is they"},{"speaker":"Ace Hagerty","startTime":2921.356,"endTime":2924.536,"body":"wanna do to just do incredible things."},{"speaker":"Ace Hagerty","startTime":2925.166,"endTime":2929.296,"body":"And superhero By Design podcast, and"},{"speaker":"Ace Hagerty","startTime":2925.166,"endTime":2929.296,"body":"then also on my website, if you're"},{"speaker":"Ace Hagerty","startTime":2929.296,"endTime":2930.786,"body":"interested in the a hundred day Challenge."},{"speaker":"Ace Hagerty","startTime":2932.341,"endTime":2936.691,"body":"We just finished it about a week ago"},{"speaker":"Ace Hagerty","startTime":2932.341,"endTime":2936.691,"body":"actually, but I do have a free pdf."},{"speaker":"Ace Hagerty","startTime":2937.381,"endTime":2941.391,"body":"I broke it down into quarters,"},{"speaker":"Ace Hagerty","startTime":2937.381,"endTime":2941.391,"body":"so I call it the Quarter Quest."},{"speaker":"Ace Hagerty","startTime":2941.841,"endTime":2947.151,"body":"So essentially changing your nervous"},{"speaker":"Ace Hagerty","startTime":2941.841,"endTime":2947.151,"body":"system and your habits within 25 days."},{"speaker":"Ace Hagerty","startTime":2947.361,"endTime":2953.331,"body":"So it's a much shorter but just"},{"speaker":"Ace Hagerty","startTime":2947.361,"endTime":2953.331,"body":"as powerful way for you to start"},{"speaker":"Ace Hagerty","startTime":2953.331,"endTime":2957.471,"body":"making those changes in your life"},{"speaker":"Ace Hagerty","startTime":2953.331,"endTime":2957.471,"body":"immediately in as little as 25 days."},{"speaker":"Average Joe Finances","startTime":2958.881,"endTime":2961.171,"body":"I definitely"},{"speaker":"Average Joe Finances","startTime":2958.881,"endTime":2961.171,"body":"appreciate that and, we're gonna"},{"speaker":"Average Joe Finances","startTime":2961.171,"endTime":2964.481,"body":"make sure we have all those links"},{"speaker":"Average Joe Finances","startTime":2961.171,"endTime":2964.481,"body":"in the show notes to make it easier"},{"speaker":"Average Joe Finances","startTime":2964.481,"endTime":2966.251,"body":"for our listeners to go and find it."},{"speaker":"Average Joe Finances","startTime":2966.501,"endTime":2969.651,"body":"So hey, if you're listening, you"},{"speaker":"Average Joe Finances","startTime":2966.501,"endTime":2969.651,"body":"can copy and paste or click away."},{"speaker":"Average Joe Finances","startTime":2969.801,"endTime":2972.141,"body":"Just please don't do it if"},{"speaker":"Average Joe Finances","startTime":2969.801,"endTime":2972.141,"body":"you're driving right now."},{"speaker":"Average Joe Finances","startTime":2972.141,"endTime":2973.251,"body":"ACE, this has been."},{"speaker":"Average Joe Finances","startTime":2973.306,"endTime":2974.026,"body":"Phenomenal."},{"speaker":"Average Joe Finances","startTime":2974.026,"endTime":2977.866,"body":"Thank you so much for taking the time"},{"speaker":"Average Joe Finances","startTime":2974.026,"endTime":2977.866,"body":"to, to talk with me today, sharing"},{"speaker":"Average Joe Finances","startTime":2977.871,"endTime":2979.666,"body":"your story, and sharing your journey."},{"speaker":"Average Joe Finances","startTime":2979.826,"endTime":2983.406,"body":"It's very inspirational and I appreciate"},{"speaker":"Average Joe Finances","startTime":2979.826,"endTime":2983.406,"body":"the resources you're providing as"},{"speaker":"Average Joe Finances","startTime":2983.406,"endTime":2987.136,"body":"well for my listeners to go check out"},{"speaker":"Average Joe Finances","startTime":2983.406,"endTime":2987.136,"body":"and maybe try a challenge themself."},{"speaker":"Average Joe Finances","startTime":2987.406,"endTime":2988.936,"body":"So I definitely appreciate that."},{"speaker":"Average Joe Finances","startTime":2988.936,"endTime":2991.396,"body":"So again, thank you so much, ACE."},{"speaker":"Ace Hagerty","startTime":2991.401,"endTime":2992.326,"body":"This was phenomenal."},{"speaker":"Ace Hagerty","startTime":2993.166,"endTime":2994.276,"body":"Hey, thank you for having me, man."},{"speaker":"Ace Hagerty","startTime":2994.276,"endTime":2996.286,"body":"It was an absolute pleasure"},{"speaker":"Ace Hagerty","startTime":2994.276,"endTime":2996.286,"body":"coming on with you."},{"speaker":"Average Joe Finances","startTime":2996.666,"endTime":2997.296,"body":"Absolutely."},{"speaker":"Average Joe Finances","startTime":2997.296,"endTime":3001.116,"body":"And hey, I also wanna thank my"},{"speaker":"Average Joe Finances","startTime":2997.296,"endTime":3001.116,"body":"listeners so much for joining me"},{"speaker":"Average Joe Finances","startTime":3001.116,"endTime":3005.316,"body":"and our special guest Ace Hagerty"},{"speaker":"Average Joe Finances","startTime":3001.116,"endTime":3005.316,"body":"on the average Joe Finances podcast."},{"speaker":"Average Joe Finances","startTime":3005.646,"endTime":3007.986,"body":"Go leave us a five star review"},{"speaker":"Average Joe Finances","startTime":3005.646,"endTime":3007.986,"body":"and tell us what you liked"},{"speaker":"Average Joe Finances","startTime":3007.986,"endTime":3010.596,"body":"about today's episode with Ace."},{"speaker":"Average Joe Finances","startTime":3010.836,"endTime":3013.296,"body":"And if you sign up for a challenge,"},{"speaker":"Average Joe Finances","startTime":3010.836,"endTime":3013.296,"body":"I wanna know about that too."},{"speaker":"Average Joe Finances","startTime":3013.326,"endTime":3014.436,"body":"Make sure you put that in there."},{"speaker":"Average Joe Finances","startTime":3014.736,"endTime":3015.096,"body":"All right."},{"speaker":"Average Joe Finances","startTime":3015.306,"endTime":3018.276,"body":"Aloha from Hawaii and have"},{"speaker":"Average Joe Finances","startTime":3015.306,"endTime":3018.276,"body":"a great rest of your day."}]}